India’s financial ecosystem is undergoing a fundamental shift, and at its core lies an often-overlooked yet mission-critical function-collections. In a rapidly digitizing economy, collections is no longer a back-office task but a strategic enabler of financial health, trust, and resilience. Recognizing this seismic transformation, the Bharat Collection Summit & Awards 2025 emerges as India’s first and only dedicated platform to celebrate and elevate the collections function at a national scale.

Meet Collection Industry Leaders

This landmark summit, taking place on 12th June 2025 at The Lalit, Mumbai, brings together the full spectrum of stakeholders-banks, NBFCs, fintechs, regulators, legal experts, and field recovery professionals-onto one stage. It is not just a conference; it is a call to action for the entire ecosystem to shape the future of collections through innovation, compliance, and empathy.

Where Strategy Meets Execution-and Empathy

The Bharat Collection Summit is designed around five key themes that reflect the industrys pressing priorities and bold ambitions:

• Digital Reinvention of Collections: How AI, automation, and advanced analytics are building faster, smarter, and more personalized recovery systems.

• Compliance, Regulation & Responsible Recovery: Adapting to evolving frameworks while maintaining transparency and borrower-centric practices.

• Empowering Last-Mile Recovery: Enabling field agents and frontline teams with the right tools, training, and technology.

• The Power of a Unified Ecosystem: Driving collective progress by aligning lenders, agencies, and policymakers.

• The Collection Journey Ahead: Reimagining collections as a strategic lever for national growth and financial stability.

Backed by Industry Pioneers

Two key partners are powering this movement:

• Spocto X, the Presenting Partner, is leading the way in AI-powered, ethical, and end-to-end collections transformation.

• YuCollect, the Collections Infrastructure Partner, is redefining operational transparency, compliance, and scalability with a vast network across India’s collection agencies and lenders.

Together, they underscore the summit’s mission to not just reflect industry change-but drive it.

A Stage of Titans

The event will feature top voices from across India’s leading financial institutions, including senior leaders from HDFC Bank, SBI, ICICI Home Finance, Aditya Birla Finance, Bank of Baroda, Union Bank, Axis Bank, Kotak Mahindra Bank, Tata Capital, and more. Whether it’s unveiling future-ready strategies or sharing on-ground innovations, this summit provides a rare front-row seat to how the best minds in the industry are reshaping collections.

Who Should Attend

The summit is designed for all professionals who touch the collections value chain-from decision-makers to doers:

• CXOs, CROs, and Heads of Collections

• National and Regional Recovery Managers

• Fintech Founders, Product Leaders & Strategy Heads

• Field Supervisors and Last-Mile Teams

• Regulatory and Legal Experts

• Technology Providers & Consultants

If you are shaping, transforming, or executing collections-you belong in the room.

A Benchmarking Moment for India

As the collections landscape moves toward a tech-first, compliant, and customer-focused paradigm, the Bharat Collection Summit stands as a benchmarking moment-setting the tone for what collections should look like in the coming decade. It celebrates not only the evolution of systems and structures but also the resilience of the people who drive them.

With participation from India’s top lenders, groundbreaking fintechs, and progressive regulators, this is more than just an industry gathering. It is a tribute to the transformation already underway and a platform to co-create what comes next.

Join us on 12th June 2025 at The Lalit, Mumbai.
Register now: thebharatcollectionsummit.com/

A global study commissioned by Wonderful Pistachios, the world’s largest grower and processor of California Pistachios, has revealed a significant shift in India’s snacking culture that emphasizes that Indian consumers are seeking nutritious snacks as part of a healthy diet. The study, conducted across 10 countries with more than 12,400 respondents, found that 58% of urban Indian consumers now prioritise nutrition more than taste when it comes to purchasing snacks-above the global average of 52%. This growing inclination is especially prominent in cities like Delhi and Ahmedabad, where more than 60% of consumers base their food decisions on nutritional value.

California Pistachios

The research, conducted on 2,415 Indian consumers across six cities, highlights an evolving landscape where nutrition labels are being read more than ever before, with 83% of consumers reviewing them before purchase. Furthermore, 86% of respondents actively seek protein-rich foods, while 69% believe that plant-based protein is as good as meat-based alternatives, significantly outpacing the global average of 55%. Four core factors drive urban India’s nutritional snack choices: being natural, heart-healthy, a source of protein, and providing energy-all of which come before indulgence or cravings.

The popularity of nuts as a preferred snack has skyrocketed in India, with 86% of shoppers reporting nut purchases within a six-month period in 2023-compared to 79% globally. This trend is particularly notable among Millennials and Gen X, who are leading the charge towards mindful eating. In line with these preferences, California Pistachios offer a compelling nutritional profile, providing 6 grams of plant protein and 3 grams of fibre per 28g serving, along with all nine essential amino acids, making them a complete plant protein.

Commenting on the findings, Shail Pancholi, spokesperson for California Pistachios in India, said, “It’s inspiring to see how Indian consumers are making smarter choices and placing a high value on nutrition, particularly protein-rich and natural foods. This shift underscores the role foods like California pistachios can play in supporting healthier lifestyles through simple, wholesome snacking options.”

Once reserved for special occasions, the Wonderful Pistachios study highlights that nuts are now becoming part of an everyday diet, driven by a rising demand for healthier choices. This shift spans across age groups-from Gen Z to Baby Boomers-highlighting a collective move toward more conscious and mindful eating. With a growing focus on natural, heart-healthy, protein-rich, and energy-supporting options, nutrition is clearly shaping the future of snacking in the country.

For more information about California Pistachios, visit www.californiapistachios.com.

About California Pistachios
California Pistachios are grown and distributed by The Wonderful Company, the worlds largest vertically integrated pistachio processor and marketer located in Californias Central Valley. California Pistachios are Non-GMO, providing a smart, healthy choice for consumers around the world. Sun-ripened in the moderate Mediterranean climate of California, these distinctively green nuts pack taste and contain antioxidants and over 30 different nutrients. California Pistachios in India are available under leading brands and private labels at retail outlets, grocery stores, and online platforms.

For more information about California Pistachios India, visit – www.californiapistachios.com.

Hypertension, the silent killer, now affects over 315 million Indians and continues to pose a major public health challenge due to low awareness, poor treatment adherence, and limited patient education. To tackle this growing crisis, USV has launched the ‘United for BP Control’ initiative in collaboration with the World Hypertension League (WHL) and the Indian Society of Hypertension.

United for BP Control

The initiative was inaugurated at the 6th World Hypertension Congress in Chennai by Dr. S.N. Narasingan a leading hypertension expert from Chennai, Prof. Paul K. Whelton (President, WHL), Prof. Dr. Gianfranco Parati (President-Elect, WHL), and other leading hypertension experts.

‘United for BP Control’ focuses on three key pillars:

• Awareness – Disseminating accurate hypertension information via expert-led content across print, TV, digital, and social media platforms

• Screening – Conducting 25,000+ BP and ECG camps with CV risk assessment, aiming to reach over 2.5 lakh patients.

• Management – Introducing first-of-its-kind patient education strips based on insights from 1,500+ doctors and 200+ patients. These strips reinforce three essential lifestyle habits: healthy eating, daily physical activity, and timely medication adherence

Talking about the launch, Dr. S N Narasingan, Past President, WHL & a leading hypertension expert from Chennai, said, “This is a thoughtful initiative by USV. The unique strip they conceptualised and designed, offers hypertension patients a reminder to stay on track with their medication, embrace healthier habits, and can make a difference in managing blood pressure.“

Dr. Anuj Maheshwari, Secretary General, Indian Society of Hypertension, appreciated the efforts by USV and stated, “The United for BP Control initiative is a commendable step towards reducing the burden of hypertension in India. With the introduction of uniquely designed strips, patients will now have a daily reminder to take their medication and adopt a healthier lifestyle.”

USV, an Indian multinational healthcare company, has launched this initiative to drive impactful, scalable change in how India understands, detects, and manages high blood pressure.

Mr. Prashant Tewari, Managing Director, USV, said, “With ‘United for BP Control,’ USV is taking a decisive step to tackle India’s escalating hypertension burden and enable sustained blood pressure management across the nation. This initiative reflects our deep commitment to improving patient care and empowering individuals to lead healthier, longer lives.”

About USV

Established in 1961, USV Private Limited is a leading Indian multinational healthcare company with a presence in 65+ countries. In India, USV holds the #1 position by prescriptions in the Oral Anti-Diabetic and Cardiology markets. Its global portfolio includes APIs, generics, branded generics, peptides, and biosimilars.

Hitachi India Pvt. Ltd. (Hitachi India) as part of its growth strategy to further accelerate the business in India has announced the appointment of Mr. N Venu as the Managing Director of Hitachi India, in addition to his current role as Managing Director & CEO, Hitachi Energy India Limited and Region Head of South Asia at Hitachi Energy. The new appointment will be effective from 02 June 2025. This follows the elevation of Hitachis first Indian Managing Director Dr. Bharat Kaushal, Corporate officer, Hitachi, Ltd. to Executive Chairman, Hitachi India with effect from 1^st April 2025.

N Venu, Managing Director of Hitachi India

As the Managing Director of Hitachi India, N Venu will focus on expanding Hitachis legacy in India in line with Hitachi Groups new management plan – Inspire 2027. By strengthening the cohesion around 28 Hitachi group companies in India, Venu will strive to create value for customers as Hitachi transforms into a digital-centric company and expand the Lumada business while creating synergetic opportunities for the organization, especially by integrating IT, OT (Operational Technology) proficiency to further strengthen Hitachis over nine decades of flourishing partnership with the nation.

Hitachi is witnessing major expansion in India, covering varied businesses, including Rail, Digital, Connective Industries, Energy, Financial inclusion, e-Education and Healthcare. The journey goes beyond fortifying its collaboration with India to realize the long-term mission of making Hitachi India the global hub for providing solutions that echo the unified vision of building an ecosystem that supports steering business from India for India and India for the world. Hitachi India aspires to monetize the worlds largest Connected Community and create a new business model by establishing a Delivery-layer framework through Strategic Partnerships enabling its businesses in India, thereby ensuring a high-margin, high-revenue business model.

Speaking on the appointment, Mr. Kojin Nakakita, Vice President and Executive Officer, Head of Regional Strategies [APAC/India], in charge of Regional Strategies [APAC]/ Chairman of Hitachi Asia Ltd., said, “I am honored to welcome N Venu. His appointment reiterates our commitment to India and showcases the companys truly diverse culture and larger collaboration among Hitachi group companies. I am confident that his experience and deep understanding of the Indian market will be instrumental in further accelerating Hitachis business in India.“

Echoing similar thoughts Dr. Bharat Kaushal, Executive Chairman, Hitachi India, said, “The appointment of N Venu will reemphasize our vision and mission of making India as one of the most lucrative business hubs within Hitachis cosmic ecosystem. N Venu has been instrumental in driving and steering business at Hitachi Energy, which has witnessed expansive growth under his leadership. Hitachi Energy is one of Indias largest contributors in architecting a framework that goes beyond offering unparalleled energy solutions and has been supporting India in illuminating and realizing the dreams of billions. I firmly believe that his cosmic wisdom and business acumen will further strengthen the India operations, especially driving multiple stakeholders towards creating value to imprint an indelible social impact. As Hitachi transforms and evolves as one of the leading conglomerates to offer its distinguished Digital solutions, together we will drive digital centricity and digitalization adding invaluable acceleration to Social Innovation by combining advanced IT, OT (Operational Technology).“

Commenting on his new role, N Venu said, “It is an honor to be bestowed with this responsibility at such a critical juncture in Hitachis legacy. India is a key market for Hitachi Energy globally and, through One Hitachi, is set to be a cornerstone of the companys future worldwide growth.”

N Venu has nearly four decades of work experience and has led Hitachi Energy in India since its formation in 2019. He was also the Chairman of the Karnataka chapter of the Confederation of Indian Industry (CII) during 2024-25. Venu has a degree in Electrical Engineering from NIT Warangal and has also been accredited by the Indian Institute of Management Ahmedabad, the Indian School of Business, Hyderabad, and the International Institute of Management Development, Switzerland.

Hitachis partnership with India dates back to 1930s with the importing of table fans and later on, went on to supply steam engines followed by Turbines for the Bhakra Nangal Dam. Since then, Hitachi has been mounting its footprints in India and solidifying its position with the presence of around 28 group companies (as of March 2023), and Hitachi in India has a workforce of 39,322 employees (as of the end of Q1 of FY2024) fuelling the transformation of India.

Hitachi Energy is a global technology leader in electrification, powering a sustainable energy future with innovative power grid technologies with digital at the core. Over three billion people depend on Hitachi Energy’s technologies to power their daily lives. With over a century in pioneering mission-critical technologies like high-voltage, transformers, automation, and power electronics, Hitachi Energy is addressing the most urgent energy challenge of our time – balancing soaring electricity demand, while decarbonizing the power system.

With an unparalleled installed base in over 140 countries, Hitachi Energy co-creates and builds long-term partnerships across the utility, industry, transportation, data centers, and infrastructure sectors. Headquartered in Switzerland, Hitachi Energy employs over 50,000 people in 60 countries and generate revenues of around $16 billion USD. In India, Hitachi Energy operates under the legal entity name Hitachi Energy India Limited and is listed on the National Stock Exchange of India Limited (NSE) and BSE Limited (BSE) as POWERINDIA, Scrip code 543187.

Through its Social Innovation Business (SIB) that brings together IT, OT (Operational Technology) and products, Hitachi contributes to a harmonized society where the environment, wellbeing, and economic growth are in balance. Hitachi operates globally in four sectors – Digital Systems & Services, Energy, Mobility, and Connective Industries – and the Strategic SIB Business Unit for new growth businesses. With Lumada at its core, Hitachi generates value from integrating data, technology and domain knowledge to solve customer and social challenges. Revenues for FY2024 (ended March 31, 2025) totaled 9,783.3 billion yen, with 618 consolidated subsidiaries and approximately 280,000 employees worldwide.

A new study conducted under the PM Poshan (formerly Mid-Day Meal) scheme has revealed overwhelming acceptance of UHT (Ultra High Temperature) milk among schoolchildren reinforcing the potential of packaged milk in India’s school nutrition programs. The study surveyed 4,484 children (ages 3-13) and 57 key stakeholders, including parents, school administrators, and program coordinators across Chandigarh.

Verka study: UHT milk widely accepted by Chandigarh schoolkids

“Ensuring access to safe and nutritious milk in schools can be a game-changer for childhood development,” said a Verka spokesperson. “This study confirms the strong acceptance of UHT milk among students and makes a compelling case for expanding school milk programs across India. By scaling up distribution and integrating milk’s nutritional benefits, we can address key public health challenges like malnutrition and micronutrient deficiencies. Stakeholder collaboration remains crucial to ensuring the success of such initiatives.“

Key Findings:

• 80% of students rated the cardamom-flavored UHT milk from Verka as highly satisfactory.

• 69% of children recognized multiple health benefits of milk, with 22% associating it primarily with strong bones.

• 44% of students consumed milk more than four times a week, while 38% had it two to four times weekly.

• 82% of children responsibly disposed of empty milk packets in designated bins, reinforcing positive environmental habits.

The study-conducted by Verka in collaboration with Punjab University, the Department of Education (Chandigarh), Tetra Pak, and NGO Yuvsatta-underscores the effectiveness of aseptic UHT milk packaging. This packaging technology ensures food safety and extends shelf life without refrigeration, making it an ideal solution for large-scale school meal programs.

The study calls for an increase in milk distribution days, enhanced awareness campaigns on milk’s nutritional benefits, and the addition of complementary nutritious foods to improve overall dietary diversity. Regular monitoring and continuous stakeholder engagement are also recommended to strengthen program implementation.

School Milk Program by Verka

Milk Fed Punjabs Verka brand recently piloted a school milk program to support the PM Poshan scheme in schools. Through this initiative, students in Chandigarh received nutritious milk in Tetra Pak cartons. After consumption, these used cartons were collected by a local NGO and collection agencies and recycled into various useful items such as notebooks, planters, school desks and more. To encourage milk consumption among school kids, Verka made milk available in cardamom (elaichi) flavor to begin with, making it more appealing to children.

In addition to providing much needed nutrition to children, this school milk initiative served as an educational opportunity for children, teaching them the importance of responsible consumption and planet-friendly practices like recycling.

Global Context: A Growing Case for School Milk Programs

The International Dairy Federation (IDF) advocates for school milk programs as a solution to nutritional deficiencies and food education-helping millions of children worldwide understand the impact of food on health, society, and the environment. Countries like USA and China have successfully integrated milk into their school meal programs, significantly improving childhood nutrition and academic performance.

India now has an opportunity to scale its school feeding programs by fostering partnerships between government bodies, dairy cooperatives like Verka, and technology providers such as Tetra Pak. With the right ecosystem, the country can create a sustainable and impactful model for school nutrition, ensuring better health outcomes for future generations.

To access the full report, please visit the Verka website

Global consumer electronics leader Toshiba today announced the launch of its cutting-edge QLED Gaming TV, the Z570RP, featuring the groundbreaking REGZA Engine ZRi that intelligently optimizes picture and sound to deliver an unparalleled viewing experience.

Toshiba Z570RP

The Z570RP represents a significant leap forward in home entertainment technology, combining Toshibas renowned Japanese craftsmanship with advanced artificial intelligence to transform how consumers experience television.

“The launch of the Toshiba Z570RP represents our resolve to redefine premium entertainment,” said Mr. Pankaj Rana, CEO, Hisense India. “The Z570RPs Japanese-designed elegance and AI-powered REGZA Engine exemplify our commitment to bringing cutting-edge technology into consumers homes at accessible price points,” he added.

Designed for today’s discerning consumers, the Z570RP is packed with a range of premium features that enhance every aspect of viewing, gaming, and daily living. From revolutionary AI-driven performance to a health-conscious display design, the Z570RP Gaming TV is crafted to deliver an all-around immersive experience.

Revolutionary AI-Powered Performance
At the heart of the Z570RP lies Toshibas revolutionary REGZA Engine ZRi, which harnesses the power of AI to optimize picture quality, audio performance, and gaming capabilities. The sophisticated AI analysis technology intelligently maximizes the televisions potential across all viewing scenarios.

The Z570RP features Direct Full Array backlighting and QLED Color technology, producing vibrant, lifelike images with exceptional contrast and color accuracy. For gaming enthusiasts, the television offers an outstanding 144Hz refresh rate and the intuitive Game Deck interface, making it the perfect choice for next-generation console gaming.

Immersive Viewing Experience
The innovative Pure-View Display technology minimizes screen glare while significantly expanding viewing angles, ensuring every seat in the room offers an optimal visual experience. This visual excellence is complemented by 360 Surround Upscaling, which creates immersive, room-filling audio without requiring additional equipment.

Premium Features for Modern Living
The Z570RP integrates seamlessly into any living space through authentic Japanese design philosophy that balances form and function. The televisions sophisticated far-field voice recognition system enables effortless operation from anywhere in the room, enhancing user convenience. Gaming performance is further elevated through AMD FreeSync Premium technology, which ensures fluid, tear-free gameplay. Meanwhile, Dolby Vision and Dolby Atmos certification guarantee cinema-quality picture and sound reproduction for an immersive entertainment experience.

Availability and Pricing
The Toshiba Z570RP QLED Gaming TV is available in 55″, 65″, 75″, 85″ and 100″ screen sizes, with prices starting from INR 42,999*. This price includes a host of exciting launch offers including 1-Year JioHotstar Premium Subscription, No Cost EMI Options, and attractive exchange offers. The Z570RP series will be exclusively available on Flipkart starting today. Visit www.flipkart.com/product/p/itmepid=TVSHB3H568YM72WR to purchase now.

About Toshiba
Toshiba, Japan’s No.1 TV brand, is a trusted global name renowned for its commitment to quality, innovation, and Japanese engineering excellence. With a legacy of over 70 years in consumer electronics, Toshiba continues to push the boundaries of home entertainment. Toshiba TV in India are manufactured, sold and supported by Hisense India Pvt Ltd.

Shop-Cum-Offices (SCOs) are emerging as the new asset class in NCR’s commercial real estate. Blending the functionality of a retail space with the practicality of office space, SCO’s dual purpose serves both business visibility and workspace utility. The model is gaining the attention of investors and entrepreneurs due to its versatility, independence of ownership, and high rental yield potential. As per experts, SCO complexes are emerging as a favourite choice for developers, especially in the Delhi-NCR micro markets.

Modern Shop-Cum-Office (SCO) plots offer lucrative investment opportunities in NCRs booming commercial real estate market

According to a report by Knight Frank, there has been a significant 44% year-on-year (YoY) increase in office space leasing across eight major cities, underscoring the growing appeal of SCOs. Their versatility, coupled with affordable entry costs and high rental yields of roughly 9-10%, makes them a lucrative investment choice for both developers and investors. They house high streets, hypermarkets, offices, retail units, co-working spaces, restaurants and cafes, along with spaces for healthcare centres, banks, fitness centres, and gyms. Besides, the most attractive feature is the complete ownership of both land and built-up area, allowing investors full autonomy over design, construction, leasing, and usage. This level of control, combined with steady income potential, makes SCOs a smart, future-ready investment choice.

Additionally, the growth of SCOs in Delhi-NCR is directly associated with the development of key micro-markets that offer visibility and appreciation in value. Prime areas such as Noida, Gurugram, and chosen pockets in Faridabad are experiencing a boom in SCO developments. These areas are not only highly populated but also strategically linked, and hence, are perfect for office and retail operations. The momentum is also fueled by transformational infrastructure developments such as the Dwarka Expressway, Delhi-Mumbai Expressway, and the soon-to-be-established Noida International Airport that spur investor optimism and long-term capital appreciation.

Siddharth Katyal, CEO, Bhumika Group, says, “While flexible formats offer certain advantages, it’s the long-term performance of retail-led investments-particularly those anchored by strong national and international brands-that continues to lead in both footfall and rental yield. In high-growth corridors like Faridabad and Gurugram, it’s the presence of well-curated, fully leased retail ecosystems that sustains consumer engagement and bolsters investor confidence. Anchor stores in fashion, F&B, and wellness serve as powerful demand drivers, creating a robust consumption environment and supporting a more stable return cycle. As consumer behaviour shifts toward experience-led retail, institutional-grade developments clearly outpace fragmented assets in both value creation and resilience.”

Prakash Mehta, Chairman and Managing Director, Ocus Group, says, “The surge in demand for SCO complexes across NCR is a clear signal that the market is evolving, and Gurugram is leading this shift with conviction. Investors and business owners are gravitating toward the SCO model as it delivers on every front: capital appreciation, rental returns, and operational flexibility. Among the prominent sectors of Gurugram, Sector 99 on the Dwarka Expressway, in particular, is emerging as a commercial hotspot, due to its unbeatable connectivity and infrastructure growth. Hence, we look forward to curating high-potential business hubs that cater to both entrepreneurs and established brands, offering them prime locations with modern infrastructure.”

Further, SCOs have struck a chord with SME and startups, offering them the flexibility and control they seek. As hybrid work becomes the norm, entrepreneurs are gravitating toward self-owned commercial spaces that are not only functional but also close to residential catchments.

Ashwani Kumar, Pyramid Infratech, says, “SCOs are not just another real estate project; they represent a paradigm shift in how commercial spaces are conceived and consumed, especially in a dynamic market like Gurugram. Today, businesses don’t want rigid, one-size-fits-all formats; they want autonomy, scalability, and ownership, and that’s exactly what SCOs offer. As developers, we believe SCOs are the future of urban enterprise-spaces where startups can grow, retailers can thrive, and established firms can expand without compromise.”

Vishal Sabharwal, Head Sales, Orris Group, says, “SCO developments are rewriting the rules of commercial real estate, especially in high-demand markets like Gurugram. Their hybrid format isn’t a convenience; it’s a competitive advantage. The ability they offer to own, brand, and customize a space that functions both as a storefront and a workplace is a game-changer. Besides, the superior rental yields and appreciation potential it offers indicate why investors and business owners are doubling down on this format. In our view, SCOs represent the future of commercial property; flexible, profitable, and built for businesses that want more than just a lease.”

Thus, SCOs are no longer seen as speculative plays; theyre being recognized as strategic, long-term wealth-building assets. Their ability to serve both retail and office functions gives them a unique edge in a rapidly evolving business environment. As high-footfall locations continue to develop across NCR and infrastructure projects mature, the demand for self-owned, flexible-use commercial spaces will only intensify.

It is no secret that market volatility is a part of the investment journey you take as a mutual fund investor. It can be triggered by many factors. It can happen due to global events, policy changes, economic data or even investor sentiment. Feelings of uncertainty are common during volatile times. But it is essential to remember that your investment choice can make a meaningful difference in how your portfolio weathers the storm.

Role of hybrid funds amid market volatility

One such option that balances stability with growth potential is hybrid mutual funds. These funds invest in a mix of asset classes, typically equity and debt, making them well-suited for times when markets are unpredictable.

Let’s break down how hybrid mutual funds work and why they can be a suitable choice amid volatility.

What are hybrid mutual funds

Hybrid mutual funds invest in a combination of equity (stocks), debt (bonds or fixed income instruments), and sometimes even gold or other asset classes. The allocation between these assets can vary depending on the type of hybrid fund-some may be equity-oriented, others may lean more towards debt.

By combining two or more asset classes in one portfolio, hybrid funds aim to capture growth opportunities while also cushioning the impact of market corrections.

There are different types of hybrid mutual funds, including:

• Aggressive hybrid funds

• Conservative hybrid funds

• Balanced advantage funds

Benefits of hybrid mutual funds in volatile markets

Diversification in a single fund

One of the basics of mutual fund investing is diversification. This means that you spread your money across different assets to reduce overall risk. Hybrid mutual fund, by their very nature, are diversified by investing both equity and debt instruments. This means that when one part of the market is underperforming, the other can help balance the impact.

Reduced impact of market swings

As established before, hybrid funds invest in both equity and debt funds. This ensures that in periods of sharp market swings, the debt allocations in hybrid funds can act as a cushion. While equity markets may fluctuate, the relatively stable returns from debt components help mitigate the volatility. This is particularly useful for investors who are risk-averse but still want some exposure to equities.

Dynamic rebalancing

Hybrid funds like balanced advantage funds automatically adjust their equity and debt allocations based on the market trends and valuations. This consistent rebalancing helps investors stay aligned with long-term goals without reacting emotionally to short-term market noise.

Suitable for medium-term goals

When planning for mid-term goals like planning a vacation or buy a car, hybrid mutual funds offer a mix of return potential and relative stability. They can provide better returns than pure debt funds while managing downside risk better than pure equity funds.

Who should consider hybrid mutual funds

Hybrid mutual funds are suitable for:

• First-time mutual fund investors who want exposure to equities without taking on too much risk

• Conservative investors looking to balance capital protection with modest growth

• Those with medium-term investment goals

• Investors looking for a relatively smoother experience during volatile phases

These funds are also useful for retired individuals or those nearing retirement who want a steady income with lower equity exposure.

How to get started with hybrid mutual funds

You can start investing in hybrid mutual funds either through a Systematic Investment Plan (SIP) or as a one-time lumpsum investment. If you’re considering the latter, a lumpsum calculator can help you estimate potential returns based on the amount you plan to invest, the time horizon, and assumed returns.

For example, if you plan to invest Rs. 5 lakh lumpsum in a hybrid fund for five years, the lumpsum calculator can show you projected growth under various return scenarios. This helps you set realistic expectations and stay invested with confidence.

Conclusion

Market volatility doesn’t mean you have to pause your investment journey, it simply means being more thoughtful about your choices. Hybrid mutual funds offer a practical way to stay invested while managing risk and targeting reasonable returns.

They provide the balance, diversification, and adaptability that can help you stay on track, especially when markets are unpredictable. Whether youre investing for the first time or reshuffling your portfolio, hybrid funds can serve as a valuable addition to your investment strategy.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully

Mana Projects, a leading real estate player based in Bengaluru, today announced the launch of Mana Vista, a premium Park-Centric Residential Community located off Sarjapur Road. Located in one of Bengalurus fastest-growing tech corridors, the venture offers a lifestyle that blends urban vibrancy with the calm of lush green spaces. Spread across 6 acres, the project offers 440 spacious 2.5 and 3 BHK residences, meant for urban families looking for a balanced lifestyle based on wellness, connectivity, and community living.

Mana Vista, by Mana Projects

With only three towers rising to G+14 floors, the project offers a low-density, high-livability environment, enhanced by a spectacular 180 lake view, extensive green spaces, and over 35 thoughtfully curated lifestyle amenities.

Strategically located in Gattahalli, off Sarjapur Road, one of the city’s most promising growth corridors, Mana Vista is well connected to major employment hubs including Wipro SEZ, RGA Tech Park, RMZ Ecoworld, and Microsoft. The location also ensures easy access to Electronic City, Whitefield, and Outer Ring Road. Educational institutions like DPS, NPS, Harvest International, PES University, and top-tier healthcare facilities like Cloudnine and Belenus Hospitals are all within reach.

A key highlight of this project is its excellent long-term connectivity to major hubs. It is well linked to the operational Yellow Line metro. The project is expected to gain further momentum with the proposed Hebbal-Sarjapur Metro Corridor, which, according to Times Now reports, is expected to be operational by 2030, further enhancing long-term accessibility and investment potential.

Mana Vista is designed to elevate everyday living with amenities that foster wellness, leisure, and community bonding, including:

• Wellness & Fitness: Infinity Pool, Indoor & Outdoor Gyms, Yoga Deck

• Recreation: Amphitheatre, Hammock Garden, Reflexology Path

• For Families: Tot Lots, Elder’s Park, Daycare, Pet Park

• Sports: Badminton, Pickleball, Cricket Net, Basketball Court

• Clubhouse: Lounge, Cafeteria, Spa, Multipurpose Hall, Library

• Utilities: Supermarket, Kitchen/Pantry, Guest Parking

Commenting on the launch of Mana Vista, Mr Kishore Reddy, CMD, Mana Projects, commented, “We are pleased to launch Mana Vista, a project crafted for people who aspire to live purposefully, stay connected, and experience the best of Bengaluru. Mana Vista stands as a testament to sustainable architecture and mindful living. We believe Mana Vista will be a space where families thrive, communities flourish, and every sunrise brings new possibilities.”

The project is now in the allocation stage. With its strategic location, forward-thinking design, and curated amenities, Mana Vista is poised to become a benchmark for residential excellence in East Bengaluru’s growth story.

About MANA Projects
Mana is one of the top real estate companies in Bengaluru. Founded in 2000 by Mr D Kishore Reddy, the company has grown into a multi-faceted construction company with expertise in designing, building, and developing standard apartments to luxury apartments and villas in Sarjapur, Bengaluru. MANA creates spaces for lifestyle and living comfort with imagination, cutting-edge engineering, and excellent functional design and aesthetics that reflect the high living standards of its customers. The company has fine-tuned the art of ‘Imagineering’ – a blend of imagination and engineering – to build dream spaces that exceed the expectations of its customers. MANA has evolved as a reputed company, with business verticals spanning property development, construction, and infrastructure projects. With attention to detail, vision, and innovation, MANA has ensured that it can deliver quality that sets it apart from the rest.

For more information, please log on to www.manaprojects.com.

Mumbai’s most beloved luxury hotel in Worli is stepping into a new chapter. After an extensive transformation, Four Seasons Hotel Mumbai invites guests with refreshed elegance, reimagined spaces, and a soulfully luxurious experience that pays homage to the city’s rich heritage while meeting the desires of the modern traveller. From revitalized accommodations and a newly envisioned spa to enhancements across the hotel’s public spaces, guests can now expect a more refined, more immersive, and more indulgent Four Seasons experience than ever before. The hotel’s signature warmth remains, but everything else from interiors to amenities has been elevated, whispering quiet luxury in every detail.

General Manager Nitesh Gandhi introduces the new Spa at Four Seasons Mumbai

The New Rooms Reimagine Elegance

Renowned for their generous scale and impeccable comfort, the newly transformed rooms and suites at Four Seasons Hotel Mumbai now offer an evocative tribute to the spirit of the city. Echoing Mumbai’s vibrant textures, each space is imbued with intricate saree-inspired patterns, peacock feather motifs, and geometric borders; subtle cues that nod to tradition while feeling entirely of-the-moment. The design language is grounded in contemporary palettes and clean lines, creating a sanctuary that balances culture with calm.

New rooms at Four Seasons Mumbai sparkle with city spirit

Modern conveniences are seamlessly woven into the aesthetic. Smart Lutron systems allow guests to intuitively control lighting and window shades, while the blackout curtains promise uninterrupted rest. At the heart of each room is MyBar by Four Seasons, a thoughtfully stocked private bar replenished daily, whether you’re craving a revitalizing espresso at sunrise or a smooth nightcap to end the day on a golden note.

The Spa Redefines Urban Wellness

In a metropolis known for its pulse and pace, the newly reimagined Spa at Four Seasons Hotel Mumbai offers a rare gift: stillness. Unfolding over two sun-drenched floors, The Spa has been meticulously redesigned into a sanctuary that invites you to pause, breathe, and return to yourself. Soft natural hues, airy interiors, and healing energy define the atmosphere, setting the stage for rituals that blend ancient Indian wisdom with modern elegance.

Every treatment begins with a grounding Kansa foot massage: an age-old Indian ritual that calms and centers. From there, a curated menu of therapies unfolds like poetry: the Rejuvenating Serenity Massage uses flowing strokes and bespoke oils to dissolve tension, while the 24K Gold Radiance Facial blends precious metals and potent actives for a luminous, sculpted glow. Signature treatments like Myrrh, Noir, and the meditative Neroli Massage offer tailored experiences to meet individual needs, each using botanical oils from Ras Luxury Oils and cutting-edge formulations from French brand Gemology. Couples can reconnect over a candlelit soak in the Spa Romance ritual or indulge in the immersive Blissful Journey, while little guests are welcomed with the Junior’s Escape menu. With wellness for every generation, private spa suites with Jacuzzis, Ayurveda rooms, and serene vitality pools, every moment is soaked in serenity.

“Fuelling the physical transformation is our continued focus on enhancing the positioning of the hotel as Mumbai’s leading luxury hotel, supported by a team of talented and passionate hoteliers who make each guest feel welcome and special,” says Nitesh Gandhi, General Manager, as he helms the hotel’s transformative journey.

From immersive room experiences rooted in local artistry to wellness journeys that feel like quiet revelations, the all-new Four Seasons Hotel Mumbai welcomes guests to experience the city’s energy through a gentle, luxurious lens.