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Vikas Miglani Market professional, fiction writer and poet LinkedIn ; Blog ; Amazon Writer's Page Full article can be accessed on my blog at below link: The metal price enigma – Gold is Old as Silver Returns Precious metals, especially Gold and Silver, are generally considered more from ornamental value and in turn a safe hedge against inflation, especially Gold. Beyond the ornamental value, Gold had its relevance as an alternative way to maintain forex reserves while Silver always had its industrial utility that made it valuable For last two years however Gold prices have hit the roof so much so that in 2024 Gold yielded ~ 45% annual return and even this year till date the return is in excess of 55%. During the same period silver has also done the catch up game and after a sideway movement in 2024 the white gold has also caught up delivering a 50% return in last 6 odd months So swift has been the rise in Gold and Silver that it has caught the investors virtually napping and now there is a fear of missing out (FOMO) factor that is tempting the investors to chase the two instruments that have already rallied beyond expectation One reason for Gold having rallied beyond expectation is the global uncertainty, especially a series of wars that have taken place across globe, viz. Russia – Ukraine, Israel Hamas and Israeli strikes on Iran and the actions that US has taken w.r.t attachment of Russian forex reserves. Even the tariff tantrum by US has also led to Gold having moved up significantly. In addition the rising US deficit that is at USD 37 bn+ now has also pushed the central bankers to shift their holding in US assets to Gold During the same period the demand for Silver has gone up for its industrial utility especially the electronic vehicles and innovations in solar energy. Given these two factors the feeling is that Gold and silver may continue to remain elevated and Goldman Sachs has already given a target of USD 4900 on Gold by December 2026 and while one school school is banking on the silver having gone back from USD 50 dollars to USD 11 dollars during 2011 – 15 the general feeling is that the same may not happen this time Generally the silver trades at 1.5 – 2.0% band of Gold price and by that logic also the silver ideally should be around USD 60. This brings us back to the question on where exactly the price will continue to remain and what should be the strategy Now that Gold is trading in the range of USD 3900 – 4000 and Silver is trading in USD 47 – 49 range, some bit of correction, once the geo political and global economic environment settles down we may see some bit of correction in Gold and since the rise has been sharp a 15-20% correction, taking it back to USD 3500 is quite possible. Silver meanwhile has been far more stable and moved up gradually but for last six months and hence the move may be more muted and if it follows the yellow metal in correction, it may be 5 – 10% taking it down at the most to USD 42 – 45. Even that is not more than 1.25 – 1.30% of the gold value Having said that in the current scenario despite the gold having better ornamental value and reserve creation scenario, silver will be more preferred vis a vis Gold. If the idea is to invest with a 3 – 6 months view, brace up to face the volatility but if you are looking at a 3 – 5 year horizon there is every chance that you may see a decent return in both Gold and Silver. Better to go for systematic investment rather than a lump sum investment Silwere Returns, I mean silver     Caution : All investment are subject to market risk. I am not an investment advisor and this write up is being shared just to highlight the prevailing trend in Gold and Silver with a generic perspective. The need, requirement and objective varies from individual to individual and hence it is a must that one carries out their own due diligence in consultation with their investment advisor. I’ve zero liability for any investment decision that is taken up basis this write up as this is just a product overview carried out as an academic exercise Full article can be accessed on my blog at below link: The metal price enigma – Gold is Old as Silwere Returns

Dilpreeta Vasudeva CMO at First Living Spaces Linkedin ; Website ; Instagram No advice. No fixes. Just your truth finding form. I am baffled by how loosely everyone calls themselves a “coach” these days. Teach an AI hack? Coach. Run a finance workshop? Coach. Give life advice over cocktails? Apparently, also a coach. Speaking of cocktails, coaching has been blended into a sloppy cocktail equal parts trainer, consultant, and mentor but that’s not what it is. The role of a coach being stretched thin, confused and misused had me itching to nuance it. A coach is not: A trainer who equips you with content and skills. A mentor who shares their story and trajectory. A consultant who gives you a plan and solutions. An advisor who points to the road ahead. A therapist who tends to the past so you can heal. A counsellor who helps you steady the present. All valuable. But none of them are coaching. Coaching gives you: No advice. No fixes. No rescuing. No prescriptions. Coaching is the journey from “ knowing to becoming ”. It restores “your” power of choice. It invites “you” to dream boldly and unapologetically. It awakens “your” playfulness, curiosity, and experimentation. It calls forth “your” courage to see clearly. It integrates the whole of “you” both light and shadow. It connects “you” to meaning and the deeper why. It nudges gentle shifts in “you” that unlock transformation. It practices inquiry that unlocks answers “you” already carry. It grounds “your” awareness into action. In doing so, a coach walks beside you. Neither ahead. Nor pushing from behind. A coach helps you stand whole. To choose consciously and author your life. Coaching is “ Sovereignty in Motion ”. You with your coach are the “ House of Sovereign ”. Where clarity co-creates the future, and you become the person who lives it. Interested? Lets sit and talk today Dilpreeta Vasudeva Linkedin  ;  Website ; Instagram

Arvind Pawar Co-founder of Hyperlink Health Linkedin Dr. Kavitha Madhuri Ph.D. in Gynaecological Oncology ; LinkedIn “True worship is when we protect the living goddesses around us.” The Festival of Shakti and the Spirit of Health As the air fills with the rhythm of dhak drums and the fragrance of shiuli flowers, our homes prepare to welcome Goddess Durga—the embodiment of strength, wisdom, and compassion. This time of year carries a deeper significance: while we celebrate the divine feminine, September also marks Gynaecological Cancer Awareness Month —a moment to reflect on women’s health and the power of awareness. Durga Puja reminds us that Shakti is not just a celestial force—it lives in every woman who nurtures, teaches, and leads. Honoring the goddess must also mean protecting the women who embody her spirit around us. The Silent Battle Within Across India, many women continue to fight unseen battles against gynaecological cancers —cervical, ovarian, uterine, vaginal, and vulvar. Sadly, most cases are detected late, even though many are preventable or curable when caught early. Cervical cancer alone claims one life every eight minutes in India. Regular screenings and HPV vaccination can save thousands of lives each year. Ovarian cancer , often called the silent killer , appears through subtle symptoms like bloating or abdominal pain. Uterine cancer often begins with irregular bleeding, but many women hesitate to discuss it due to stigma. Breast and cervical cancers together account for nearly 40% of all cancers in Indian women —an urgent call for collective awareness. Breaking the Silence, One Conversation at a Time Our festivals celebrate the victory of light over darkness. Similarly, breaking the silence around women’s health is a victory in itself. When women speak openly about screening, vaccination, or symptoms, they replace fear with knowledge. This festival season, let’s pledge three simple acts of awareness: For Yourself: Schedule your next health screening—just as you plan your festive shopping. For Your Family: Encourage women around you to prioritise their health without guilt or hesitation. For Your Community: Use gatherings and celebrations to share information and encourage discussions on preventive care. Early detection saves lives—cure rates for cervical cancer exceed 90% when diagnosed early. Awareness is a form of empowerment. Insights from an Expert: Dr. Kavitha Madhuri During a conversation with my oncologist friend, Dr. Kavitha Madhuri , she shared a s triking truth: “Most women I meet don’t neglect their health out of choice, but because they are too occupied caring for others. By the time they come for a check-up, precious time has already been lost.” Her observation reveals a larger issue—the absence of structured reminders and the social mindset that places women’s health last on the list of priorities. Dr. Madhuri emphasized that consistent screening and awareness can prevent many tragedies. “Even one timely test,” she said, “can change the course of a family’s future.” Technology as a Partner in Preventive Care Today, as we depend on technology for almost everything, it’s time we used it to protect our health. Several medical experts are designing digital platforms to make preventive healthcare proactive, not reactive. One such initiative is Hyperlink Health —a doctor-led platform that connects genetics, technology, and cancer prevention. Hyperlink Health’s mission is simple: to help families understand their health history, identify genetic risks, and act early through screenings and vaccinations. It ’s an approach that combines empathy with evidence—turning technology into a true health ally. Through Hyperlink’s smart reminder system and guidance tools, women can track essential health check-ups, HPV vaccinations, and early symptoms—all supported by reliable medical insights. Shakti in Everyday Life The essence of Shakti lies not just in worship, but in action. When we light a diya this Durga Puja, let it remind us that the true triumph of good over evil is in defeating diseases through knowledge and courage. Let’s celebrate womanhood not only through devotion but through dedication to wellbeing—our own and that of others. A Thought to Reflect On When we chant “Jai Ma Durga,” are we also honoring the women beside us—those who face their own challenges quietly every day? This festive season, may our prayers translate into purpose—protecting health, spreading awareness, and supporting those who nurture us all. Conclusion and Call to Action Awareness, early detection, and preventive care are the real weapons in this modern battle. As we celebrate new beginnings this Vijayadashami, let’s make a collective promise: to encourage open conversations about women’s health, to schedule timely screenings, and to never overlook a symptom out of hesitation or fear. If you’re uncertain where to begin, sit down with healthcare experts or trusted medical partners like the team at Hyperlink Health . Their doctor-led approach helps individuals and families create personalized health roadmaps, ensuring no one misses vital preventive measures. True Shakti is not only in worship—but in action. Let’s celebrate Durga Puja by protecting every woman’s health and turning awareness into a movement of care. Jai Ma Durga. Jai Womanhood. Jai Health. Because when we protect each other’s health, we protect our future. If you would like to engage and reach us if you have any suggestions, please get in touch with the us at arvind.pawar@hyperlink.health

Vinita Khar Co founder of Aumentar Hospitality alliance a hospitality sales consulting organisation; Linkedin Profile ; Instagram India’s travel and tourism journey is unlike any other, a living reflection of the country’s vibrant diversity, soaring ambitions and remarkable power to adapt. Step into the story, where each decade brings fresh perspective, each challenge births opportunity and every experience weaves new colours into the national tapestry. A Decade of Dreaming and Doing In the years before COVID-19, Indian travellers redefined possibility. Gone were the days when holidays meant visits to relatives or repetitive sightseeing. Instead, trends painted a bold picture: more than 10 million Indians travelled abroad in 2019, chasing curated luxury escapes, destination weddings and tailored retreat experiences. The rapid growth of budget airlines, slashed ticket prices put remote corners within reach for millions. While digital platforms surged, India saw online travel bookings cross $10 billion just before the pandemic halted the world’s movement. Social media was the magic carpet transforming discovery. ‘Insta travel’ became a buzzword; searches for hidden beaches and mountain hideaways soared, with travel influencers guiding the way. MICE events, once reserved for metro elites, grew 30% year-on-year, making business journeys a powerful engine for hotels and local economies. The Pandemic: A Sigh and a Splash of Local Colour Then, the unthinkable. By mid-2020 global tourism fell by over 70%, and Indian states shut borders to protect citizens. But as restrictions eased, a new wave emerged. Domestic travel volume rebounded sharply, hitting nearly 2 billion trips in 2023, fuelled by the rise of homestays, boutique resorts and “bleisure” trips where work blended seamlessly with leisure. Traveler priorities shifted. Hygiene protocols, contactless check-ins, and private stays were non-negotiable. Travelers hunted for authenticity, indigenous festivals, sustainable stays, village walks became the new cool. Indians spent over $500 million on local experiences in 2024 alone. This pivot breathed life into rural economies, spotlighted lesser-known destinations like Meghalaya’s living root bridges and Gujarat’s salt desert and made travellers more conscious and connected. Navigating the Maze: Politics and Policies The road to recovery in India’s travel sector has been anything but straightforward. In 2024, the travel landscape buzzed with renewed energy and an appetite for both familiar comforts and fresh discoveries. Domestic tourism thrived as travellers sought immersive experiences in offbeat locations like Chopta Valley in Uttarakhand and the expansive, rugged beauty of Ladakh. On the international stage , Indian travellers gravitated towards top destinations such as Dubai’s luxurious urban charm, Singapore’s family-friendly vibe, Thailand ’s vibrant beaches and nightlife, Bali’s tropical allure and the Maldives’ idyllic overwater resorts. Personalization was the hallmark of these journeys; travellers placed experience above mere sightseeing, embracing culinary explorations, wellness retreats, cultural festivals and slow travel. The growing popularity of wellness and spiritual tourism, showcased by events like Pushkar Camel Fair and Jaipur Literature Festival , highlighted the evolving tastes of Indian travellers. Meanwhile, business and luxury travel surged, reflecting a shift towards journeys that blend comfort with meaningful connections and sustainable memories that endure long after the trip ends. The New Promise: Personal Touch, Green Spirit, Deep Craft 2025 and beyond will be defined by personalization and purposeful travel. Recent data reveals that over 80% of Indian travellers now prefer itineraries tailored around their unique passions; be it exploring the rich food trails of Lucknow, stargazing under clear skies in Spiti, or indulging in Ayurveda healing retreats in Kerala. This shift towards a personal touch highlights how travellers seek experiences that resonate deeply with their individual desires and lifestyles. At the same time, the green spirit is transforming the industry, with eco-friendly properties moving firmly into the mainstream; by the end of 2025, more than 30% of new hotel openings in India are expected to be certified sustainable, reflecting a growing commitment to responsible and environmentally conscious tourism. Adventure and culture are taking centre stage, especially among younger travellers under 35, with wildlife safaris, art residencies, and immersive heritage walks becoming highly sought-after. This aligns closely with the concept of deep craft—travellers are increasingly drawn to authentic, immersive experiences that connect them to local craftsmanship, traditions and stories. Technology continues to elevate these journeys, with AI-powered trip planners and personalized recommendations making travel smarter, safer, and richer than ever before. Together, these trends mark a new promise for Indian tourism—one that blends meaning, mindfulness, and personalization to create unforgettable, transformative journeys. Your Next Chapter: Why Ordinary Won’t Do Aumentar Hospitality thrives on originality. Not just holidays, but hand-crafted journeys—whether it’s tracing forgotten trails in the mountains, serenading sunsets by serene lakes or discovering the heart of India via community-led cultural immersions. Every experience is a promise of delight, transformation and a dash of surprise. Ready to challenge the routine with the truly exceptional? The road less travelled is open. Reach out to Aumentar Hospitality—where your most unforgettable story is waiting to be written, starting now. Vinita Khar +91 9930798687

Arvind Pawar GM in Jio Health - Research & Intelligence; Linkedin Dr. Kavitha Madhuri Ph.D. in Gynaecological Oncology ; LinkedIn July is a significant month in India’s health calendar, offering us a chance to honor, reflect on, and take meaningful action. With three important observances—Doctors’ Day on July 1st, World Population Day on July 11th, and ORS Day on July 29th—we are reminded of the challenges we face and the incredible opportunities we have to uplift one another as a united community.   1.      Celebrating the Lifesavers: Doctors’ Day (July 1)   India celebrates Doctors’ Day on July 1st to honor the legendary Dr. Bidhan Chandra Roy, a visionary physician, freedom fighter, and statesman. In a time when our public health system faces challenges, this day serves as a tribute to the countless dedicated doctors who tirelessly serve in cities, villages, slums, and remote areas—often under immense pressure.   The Human Side of Medicine   Doctors are more than their white coats. They are counsellors, listeners, educators, and sometimes the only source of hope in critical times. From the local General Physician to the rural ASHA worker, they touch lives daily with compassion and skill.   A Call for Gratitude   Let us take time to thank the doctors around us. A heartfelt note, a community gesture, or even a quiet moment of appreciation can go a long way in recognizing their tireless work. Let us also encourage young people in our neighbourhoods to consider medicine as a noble path forward.   2.      A Nation of Billions: World Population Day (July 11)   With over 1.4 billion people , India is now the most populous country in the world. World Population Day , observed every year on July 11th, urges global citizens to think critically about population dynamics and their impact on health, environment, and development.   Challenges in Numbers   High population growth puts strain on healthcare systems, education, sanitation, and employment. The effects ripple outwards—leading to inequality, malnutrition, and even climate vulnerability. India’s youth bulge is both a potential demographic dividend and a policy challenge.   Empowering Through Education   One of the most effective ways to stabilize population growth is to invest in education and healthcare—particularly for girls and women . As a community, we can support awareness programs, vocational training, and family health initiatives that promote informed choices and sustainable living.   Thinking Locally, Acting Collectively   Whether it’s organizing a health awareness talk in your apartment block or inviting a local NGO to discuss reproductive health, we can use this day to encourage responsible population discourse and proactive community planning.   3.      The Lifesaving Simplicity of ORS: ORS Day (July 29)   ORS (Oral Rehydration Solution)  is one of the simplest yet most powerful medical interventions available today. ORS Day on July 29th  spreads awareness about preventing and managing dehydration, especially in children under 5, who are at high risk from diarrheal diseases.   Why ORS Matters   Each year, diarrheal diseases cause thousands of avoidable deaths in India—many due to a lack of access to clean water and timely rehydration. ORS, made with just salt, sugar, and water, can mean the difference between life and death.   Bridging the Access Gap   Could our community step forward and help distribute ORS packets to underserved areas? Could we tie up with local chemists, clinics, or NGOs to offer free rehydration corners during the monsoon season? Could children be taught to make ORS at home and become health ambassadors?   These are simple but transformative actions.   4.      Conclusion: A Month of Meaning   July is more than just the peak of the monsoon. It is a month of meaning—a reminder that our health is interconnected. By honoring our doctors, addressing population realities, and spreading the message of ORS, we acknowledge our shared responsibility for each other’s well-being.   Let us heal together. Let us build not just structures and roads, but a culture of care. Because a healthier India begins with a kinder, more active community. If you would like to engage and reach us if you have any suggestions, please get in touch with the us at pawar.arvind@gmail.com

Arshad Fahoum Options Trader, Investor, and Entrepreneur; Co-Founder Market Pulse Linkedin Profile ; YouTube ; TheOrg As global trade tensions escalate in 2025, with new tariffs, shifting alliances, and supply chain disruptions, India stands at a decisive moment in its economic journey. The world is realigning, and amid the uncertainty, India has a historic opportunity to emerge as a key driver of global growth. A Shifting Global Landscape Rising protectionism, the U.S.–China trade rift, and the aftermath of the COVID-19 pandemic have forced companies and countries to rethink their supply chain dependencies. The result: a growing preference for reliable, democratic, and diversified trade partners. Enter India—with its strategic non-alignment, expanding manufacturing base, and young workforce. India’s economy is navigating these turbulent waters through a mix of policy reforms, infrastructure investment, and sector-specific incentives. While some sectors are expected to face short-term headwinds due to global tariff shifts, others are poised for explosive growth. Sectors Poised for Growth 1. Electronics & Semiconductors Driven by domestic demand and global supply chain realignment, India’s electronics sector is projected to nearly double to $103 billion by 2030. Government support via the Production Linked Incentive (PLI) scheme and the India Semiconductor Mission has laid the foundation, with major players like Foxconn and Pegatron expanding production in Tamil Nadu and Karnataka. 2. Digital Financial Services India’s fintech revolution is making global headlines. With an 87% adoption rate—well above the global average—the sector is expected to reach a staggering $990 billion by 2032. From UPI to digital lending, India is setting benchmarks for emerging markets. 3. Electric Vehicles & Auto Components India aims for 30% EV adoption by 2030, boosting domestic demand for EV components. While exports of traditional auto parts to the U.S. may decline due to tariffs, the shift is pushing India to strengthen local manufacturing. This could turn a short-term loss into a long-term strategic advantage. 4. Renewable Energy India has already crossed 200 GW of installed renewable energy capacity and is targeting 500 GW by 2030. The sector is growing at 20% annually and is expected to generate over 3.5 million jobs. 5. Pharmaceuticals & Biotechnology Supplying 40% of the U.S. market for generic drugs, Indian pharma companies enjoy a strong export base. The push for resilient healthcare supply chains in the West plays directly to India’s strengths, with the sector projected to cross $638 billion by 2025. 6. Specialty Chemicals Though facing a short-term slowdown from global tariff volatility, India's specialty chemicals sector remains robust. Global customers are looking to reduce dependence on China, and India is emerging as a reliable alternative. Sectors Under Pressure Not all sectors are benefiting equally. Certain traditional export industries are feeling the heat: Seafood exports  (especially crustaceans) may decline by over 20% due to higher U.S. tariffs. Iron and steel products  face an 18% potential drop in exports. Jewelry and gems , a $12+ billion export segment, could contract by 15% under current trade restrictions. Electronics (excluding semiconductors)  and auto components  may see 10–12% short-term declines due to higher input costs and reduced global demand. India’s Strategic Advantages 1. The China+1 Opportunity Multinational companies are actively diversifying their supply chains, and India has emerged as a top alternative to China. Even capturing a small slice of China’s $439 billion export share to the U.S. can translate to billions in new business for Indian firms. 2. Friend-Shoring & Policy Stability India’s democratic governance, neutral foreign policy, and growing manufacturing capability make it a preferred partner in the new “friend-shoring” world. Global companies see India not just as a low-cost option, but as a stable, long-term partner. 3. Industrial Policy & Infrastructure The PLI scheme, backed by over ₹1.97 lakh crore in incentives, has already catalyzed ₹1.46 lakh crore in private investment and generated over ₹12.5 lakh crore in production. Complementary policies like Make in India 2.0  and major infrastructure investments are accelerating India’s rise as a manufacturing power. Navigating Challenges Despite its strengths, India must address several structural challenges: Fragmented manufacturing ecosystems  and outdated logistics in sectors like textiles. Infrastructure gaps , particularly in rail, ports, and cold chains. Skilling mismatch , with 51 million new jobs projected across high-growth sectors but limited workforce readiness. Continued reliance on China  for key inputs like APIs and electronics components, reflected in a $99.2 billion trade deficit. Effective implementation and coordination across central and state governments will be key to overcoming these roadblocks. Trade Strategy and Outlook India is also actively reshaping its global trade relationships. The recently signed UK-India Free Trade Agreement (FTA)  opens up new markets, and negotiations with the EU and U.S.  are in advanced stages. These deals aim to offset tariff pressures and give Indian exports a competitive edge. While the Reserve Bank of India (RBI) has projected a $5.76 billion dip in exports to the U.S. in 2025, it also expects this to be offset by gains in other markets and sectors. GDP impact is projected to be limited (–0.3% in 2025) and inflation is moderating, suggesting macroeconomic stability remains intact. A Defining Decade Ahead Global trade tensions are not just a challenge for India—they’re an opportunity. With the right mix of policy action, private sector innovation, and global engagement, India is well-positioned to lead the next wave of global economic growth. This moment represents the most significant realignment since liberalization in 1991. If India can stay the course—investing in infrastructure, finalizing key trade agreements, and deepening its industrial base—it could emerge not just as an alternative to China, but as a global economic powerhouse in its own right. References Ministry of Electronics & Information Technology (MeitY). (2024). Electronics Manufacturing in India . https://www.meity.gov.in Invest India. (2024). Electronics Sector Snapshot . Retrieved from https://www.investindia.gov.in/sector/electronic-systems NITI Aayog. (2023). India’s Electric Vehicle Mission and Roadmap 2030 . Retrieved from https://www.niti.gov.in Automotive Component Manufacturers Association (ACMA). (2024). Industry Trends Report . https://www.acma.in CRISIL. (2024). Indian Specialty Chemicals: Growth Outlook 2024–2033 . Retrieved from https://www.crisil.com Ministry of Textiles. (2024). Textile Sector Performance Report . Retrieved from https://textiles.gov.in India Brand Equity Foundation (IBEF). (2024). Pharmaceutical Industry Snapshot . Retrieved from https://www.ibef.org/industry/pharmaceutical-india McKinsey & Company. (2024). India’s Biopharma Vision 2030 . Retrieved from https://www.mckinsey.com NASSCOM. (2024). Annual Strategic Review: Indian IT Sector 2024 . Retrieved from https://nasscom.in Reserve Bank of India. (2023). Report on FinTech and Digital Payments . Retrieved from https://www.rbi.org.in Ministry of New and Renewable Energy (MNRE). (2024). Renewable Energy Statistics & Growth . Retrieved from https://mnre.gov.in International Energy Agency (IEA). (2024). India Energy Outlook Update . Retrieved from https://www.iea.org Ministry of Food Processing Industries (MoFPI). (2024). Food Processing Sector Overview . Retrieved from https://mofpi.nic.in EY India. (2023). Indian Food Processing Industry Outlook . Retrieved from https://www.ey.com/in Defence Research and Development Organisation (DRDO). (2024). India’s Defense R&D Milestones . Retrieved from https://drdo.gov.in SIPRI. (2024). Global Arms Transfers and India’s Defense Imports . Retrieved from https://www.sipri.org Department for Promotion of Industry and Internal Trade (DPIIT). (2024). PLI Scheme Investment Tracker . Retrieved from https://dpiit.gov.in Government of India. (2024). Economic Survey 2023–24 . Retrieved from https://www.indiabudget.gov.in Centre for Monitoring Indian Economy (CMIE). (2024). Economic Indicators Database . Retrieved from https://www.cmie.com Ministry of Electronics & Information Technology (MeitY). (2024). Electronics Manufacturing in India . https://www.meity.gov.in Invest India. (2024). Electronics Sector Snapshot . https://www.investindia.gov.in/sector/electronic-systems NITI Aayog. (2023). India's Electric Vehicle Mission and Roadmap 2030 . https://www.niti.gov.in Automotive Component Manufacturers Association (ACMA). (2024). Industry Trends Report . https://www.acma.in CRISIL. (2024). Indian Specialty Chemicals: Growth Outlook 2024–2033 . https://www.crisil.com Ministry of Textiles. (2024). Textile Sector Performance Report . https://textiles.gov.in India Brand Equity Foundation (IBEF). (2024). Pharmaceutical Industry Snapshot . https://www.ibef.org/industry/pharmaceutical-india McKinsey & Company. (2024). India's Biopharma Vision 2030 . https://www.mckinsey.com NASSCOM. (2024). Annual Strategic Review: Indian IT Sector 2024 . https://nasscom.in Reserve Bank of India. (2023). Report on FinTech and Digital Payments . https://www.rbi.org.in Ministry of New and Renewable Energy (MNRE). (2024). Renewable Energy Statistics & Growth . https://mnre.gov.in International Energy Agency (IEA). (2024). India Energy Outlook Update . https://www.iea.org Ministry of Food Processing Industries (MoFPI). (2024). Food Processing Sector Overview . https://mofpi.nic.in EY India. (2023). Indian Food Processing Industry Outlook . https://www.ey.com/in Defence Research and Development Organisation (DRDO). (2024). India's Defense R&D Milestones . https://drdo.gov.in SIPRI. (2024). Global Arms Transfers and India's Defense Imports . https://www.sipri.org Department for Promotion of Industry and Internal Trade (DPIIT). (2024). PLI Scheme Investment Tracker . https://dpiit.gov.in Government of India. (2024). Economic Survey 2023–24 . https://www.indiabudget.gov.in Centre for Monitoring Indian Economy (CMIE). (2024). Economic Indicators Database . https://www.cmie.com Disclaimer The views and projections expressed in this article are for informational purposes only and do not constitute financial, investment, or policy advice. While every effort has been made to ensure accuracy, the data and trends cited are based on publicly available sources and may be subject to change. Readers are advised to exercise their own judgment and consult relevant experts before making decisions based on this content.

Raghav and Kabir, (5.5 Yrs) Co-Owners of Nutty Buddies (Narration by Bhakti (Raghav's Mom) Interview & Creative writing by: Harinath 1. The First Spark “It all started as a simple weekend activity. I wanted my son, Raghav, to have something healthy yet tasty to eat before his football practice. So, I made chocolate nut barks at home—packed with Chana and Nuts, but with just a touch of chocolate.” Raghav enjoyed the taste, and I had managed to sneak in something he usually avoided: Chana . 2. The Math Conversation One day, Raghav came home from school looking frustrated. Raghav: “Why do we have to do math? It’s so difficult. What’s the point? Why does it even exist?” I tried to explain. “Hmm… without math, how would we measure things?” But Raghav seemed unconvinced. So I tried another angle. “If there was no math, how would we deal with money? How would we count it?” That question made him pause. And for me, it sparked an idea: maybe school was becoming too theoretical, too book-heavy, without enough hands-on experiences. 3. Birth of Nutty Buddies “I wanted Raghav to learn numbers in a real-world way. So I thought—why not turn our chocolate nut barks into something more? Let him actually sell them, handle money, and understand value.” But Raghav was only five and a half . Doing it alone would be too much. So , he teamed up with his best friend, Kabir. His parents were equally excited and supportive, and the little venture slowly took shape. That weekend, Raghav and Kabir got together in the kitchen. They made the chocolate barks. Cut out and created labels. Packaged the chocolates by hand. Came up with a name: Nutty Buddies. As parents, we were amazed by their collaboration. Since they were buddies, and the chocolates were filled with nuts—it felt perfect! The concept was simple: chocolates with lots of nuts and just a thin layer of chocolate to bind them. 4. Hitting the Market To make it practical, the kids got a notebook to record: Which flats they visited. Who bought chocolates. How much money they collected. Pricing was set at ₹100 —an easy number for kids to understand in terms of multiples. At first, Raghav and Kabir hesitated. “They got cold feet initially, but soon enough, they figured it out. They went door-to-door, knocked on flats, and sold a lot of boxes.” There were rejections too. Some people said no. But that became part of the learning— understanding that not everyone will say yes . Others, impressed by their effort, bought chocolates and even gifted the kids a few treats in return. 5. Lessons in Numbers and Life The kids felt proud. They had earned money. But soon came the realization. Kabir (dreaming big): “I want to go to Paris with this money! ”Raghav: “I want a smartwatch!” Kabir’s mom and I looked at each other, smiling, and kept quiet initially. “They quickly learned that their earnings wouldn’t stretch that far. They got really upset and started thinking—why are we doing this if we can’t get what we want? We were worried… but to my surprise, unlike adults, they didn’t cling to the outcome. They enjoyed the activity, felt happy, and then moved on.” They also got to: Add up their earnings. Physically count notes. See the difference between cash and UPI payments. It was, in every way, a hands-on math lesson. 6. Beyond Money “The biggest win wasn’t the chocolates or the money. It was that Raghav and Kabir did something independently, faced rejections, received appreciation, and understood teamwork.” Some parents in the society even praised them, and now, having their story featured in a magazine adds to their sense of pride. For me, the experiment proved one thing: “School can sometimes feel meaningless to kids, especially when it’s all theory. Activities like Nutty Buddies connect learning to real life. It gives children purpose, keeps their curiosity alive, and makes learning joyful.” The Kids’ Pitch to EI Residents (In the voice of Raghav and Kabir) “Hello everyone! We are Raghav and Kabir, and we started Nutty Buddies. These are healthy chocolate nut barks we made ourselves—with lots of nuts and just enough chocolate. We may be little, but we have big dreams. Selling Nutty Buddies helped us learn numbers, understand money, and build confidence. So, next time kids in our society come to your door with an idea, please support them. When you buy their products, you’re not just getting something thoughtful—you’re encouraging young entrepreneurs to dream big.” Morals & Learnings For Kids: Learning becomes fun when connected to real life. Facing rejection teaches resilience. Teamwork makes the journey easier and more exciting. For Parents: Children need hands-on experiences to see the value of what they learn in school. Encouraging small experiments builds confidence early. For Big Businesses: Keep things simple—pricing, product, and pitch. Resilience and customer interaction are as important as the product itself. Innovation often begins with curiosity and play. For the EI Community: Support young entrepreneurs by buying their thoughtful creations. Small encouragements go a long way in shaping confident, capable children.

Smita Shetty Chartered Accountant (CA);   FINANSYS LinkedIn ; Beyond Boardrooms by Smita Shetty The 56th meeting of the GST Council was held on 3rd September, 2025 at Sushma Swaraj Bhavan, New Delhi under the chairpersonship of the Union Finance & Corporate Affairs Minister Smt. Nirmala Sitharaman. The GST Council inter-alia made the recommendations relating to changes in GST tax rates, provide relief to individuals, common man, aspirational middle class and measures for facilitation of trade in GST. GST Reset: 6 Signals on India’s Road Ahead 1. Health first: Nudge through taxes. The government is using GST as a behavioural tool. Sugary sodas, energy drinks, pan masala and tobacco now face 40% GST . At the same time, healthier substitutes—like plain mineral water or plant-based milk - drop to 5% . It’s a clear signal: choose better, pay less; indulge, pay more . 2. Inflation control: Relief on everyday items. From milk and paneer to biscuits, soaps and shampoos - the GST cut to Nil–5% is designed to ease household budgets. Think of it as a stealth inflation shield: essentials get cheaper, so families feel less squeeze at the grocery counter . 3. Growth push: Cheaper cement, costlier coal. The construction sector gets a booster shot - cement falls from 28%→18% , lowering building costs. To balance the books, coal and lignite move up from 5%→18% . The mix is clever: make housing and infra more affordable, while nudging the energy sector toward efficiency and cleaner fuels. 4. Sin & Luxury: From Cess to Clean GST Historically, sin and luxury goods were never just taxed under GST - they carried a compensation cess on top of the 28% GST, meant to fund state revenues during the GST transition. For example, gutkha and chewing tobacco bore 28% GST plus a 160% cess , pan masala had a 60% cess, aerated and caffeinated drinks carried 12%, while luxury cars and big bikes had cess up to 15%. The effective burden often crossed 40–100% of retail price . The Council now plans to scrap the cess structure and move these categories to a flat 40% GST once legacy compensation loans are cleared. This isn’t a big hike — in fact, for some products the effective tax may be similar or lower - but it’s a big step toward simplification and transparency . One exception: bidis actually get cheaper, at 18% GST. 5. Closing leakages: No more MRP games. For years, pan masala and tobacco makers under-reported transaction values. Pan masala/tobacco companies were paying GST based on transaction value (the price they reported in their invoices to distributors). A pack that sells at ₹100 MRP in the market could be “invoiced” at only ₹50 to dealers. GST was then charged on ₹50, not ₹100. Now GST is pegged to the retail sale price (RSP) . That shuts a loophole, ensures a level playing field, and protects government revenues . 6. Ease of doing business: Faster refunds, fewer disputes. Businesses stuck with inverted duty credits (in some industries like textiles, pharma, or electronics assembly), firms pay higher GST on raw materials but face lower GST on finished products . Example: pay 18% GST on inputs, but only charge 5% on the final item. This leaves them with excess tax credit stuck with the government. They will now get 90% provisional refunds through an automated system - freeing up working capital faster. And with the GST Appellate Tribunal (GSTAT) going live by year-end, companies finally get a clear, time-bound dispute resolution forum. Less litigation uncertainty = more investor confidence. When does this hit you? The new GST rates will kick in from 22 September 2025 for all services and most goods. Exception: Pan masala, gutkha, cigarettes, chewing/unmanufactured tobacco and bidis will remain under the old GST + cess system until the government clears outstanding compensation-cess loans (and interest). This phasing ensures revenue stability while those past obligations are repaid (approximately 31st March 2026) . Industry & Market Map — Who Gains, Who Loses 1. FMCG Sector - Positive Expect a near-term lift to volumes and margins across staples/personal care as GST on daily items like soaps, shampoos, toothpaste and biscuits drops to 5%, with companies likely to pass benefits via price cuts or higher grammage-supporting rural demand into the festive quarter. Reuters also flags a broader consumption impulse from the overall tax rejig (plus recent macro tailwinds), with market futures indicating a stronger open on the “tax bonanza.” 2. Infrastructure, Cement & Energy Sector – Positive with caveats The GST cut on cement (28%→18%) improves affordability for housing and infrastructure projects, which is constructive for the cement and construction materials sector. At the same time, the cut to 5% on renewable energy equipment supports capex in the clean energy sector. The caveat: coal and lignite see GST raised from 5% to 18%, which increases costs for conventional thermal power producers and heavy industry. 3. Beverages, Tobacco & Autos – Split Impact For beverages , the effective burden remains ~40% (28% + 12% cess earlier vs. 40% GST now), so prices stay high and demand remains under pressure — but it’s not an incremental hike. In tobacco and pan masala , the headline rate (40% GST) looks lower than the old combined 60–100%+, yet with GST now linked to the printed MRP (RSP), companies lose the under-invoicing cushion; in practice, tax outgo tightens and margins remain stressed. In automobiles , the split is clearer: mass-market cars, 3-wheelers and smaller hybrids benefit from the cut to 18%, supporting affordability and volumes, while luxury cars, SUVs and big bikes move to a flat 40% — slightly lower than their earlier 43–50% burden, so not a major relief but at least not punitive.

Harinath Strategy & Growth – Reliance Retail; EI Outlook Editor Linkedin Profile Recently, I came across a discontinued podcast that captured young people’s reflections on their very first jobs. As is my habit, I noted down a few thoughts and lessons that stood out to me. I’ve curated them here, hoping my gentle readers will find something to relate to—and perhaps a spark of encouragement as well. “One of the most defining aspects of my first job was the mentorship I received. I joined a seven-person startup as a data analyst. But because of my mentor, the CTO, I wore many hats—testing, product management, fixing bugs. Two things he taught me shaped my entire career: always do the right thing , and the devil is in the details. That mindset helped me think long-term, build better products, and stay grounded.” — Gaurav, Software Engineer “When I started in field sales during the pandemic, I was terrified. I was an introvert, forced to meet strangers every day. But over time, I became more confident, learned to trust myself, and stopped fearing judgment. My manager told me something I’ll never forget: If you haven’t given it a fair try, don’t quit yet. But if a job ever asks you to abandon your core values, it’s time to walk away. That advice has guided every decision since.” — Kanupriya, Sales Professional “In those early years, I thought money and job titles would make me happiest. But when I looked back, I realized it was the people around me. Nearly 60% of people in our survey said their peer group and mentors mattered more than anything else. Only 5% said compensation was their main source of joy.” — Shiva, Software Professional “I used to think I needed to compete with everyone. But the biggest mistake I made was not collaborating. Once I stopped seeing colleagues as competitors and started seeing them as partners, everything changed. You can’t learn or grow in isolation.” — Anonymous Respondent “Validation meant everything to me. Early in your career, you have no idea if you’re doing things right. Every piece of feedback felt like fuel. It built my confidence. A simple ‘you’re doing great’ made me believe I belonged.” — Raahil, Journalist “For me, happiness at work is feeling creative. Even if it’s writing an email or designing a presentation, those small acts of creativity make everything worthwhile.” — Akshaya, Content Creator Conclusion Your first job is rarely perfect. It’s messy, unpredictable, and often humbling. Yet, hidden in that uncertainty are the seeds of growth—mentors who inspire you, challenges that teach resilience, and small victories that build your confidence. Whether it’s a moment of recognition, the thrill of solving a problem, or simply discovering what you don’t want—these experiences shape not just your career, but who you become.

Harish Dixit Senior Infrastructure Manager – APAC Linkedin Imagine your child’s digital footprint as a giant colouring book. Now imagine strangers scribbling all over it with crayons you didn’t hand out. That’s what parents sharing their kids’ photos and moments online can lead to. Commonly known as “sharenting”, it’s like giving out your kid’s school diary to the whole internet, complete with doodles, pet names, and birthday secrets. In India, the average child has over 1,500 photos online by age five. That’s more than the number of laddus eaten at a wedding! Just like laddus stick around like belly fat forever, these photos don’t disappear either. And that’s where the trouble begins. Cyberbullies, identity thieves, and creepy AI tools are lurking like monsters under the digital bed. These images can be used to create fake profiles, mimic voices, or worse, generate disturbing content. That’s not just a number; that’s a whole school full of kids at risk. India’s laws are still playing catch-up. The IT Act, 2000 only slaps wrists for obscene content, not innocent oversharing. And while the Constitution gives kids the right to privacy under Article 21, there’s no specific law stopping parents from turning their toddlers into online celebrities without consent. So, next time you’re tempted to post your kid’s dance moves or messy lunch face, ask yourself: Would they want this online when they’re 16 and trying to impress someone at college? Let’s not turn childhood into a viral meme. After all, even superheroes wear masks to protect their identity. Safe Sharenting Tips: Ask before you post (if your child is old enough to say “no,” listen!) Skip personal info like school names, birthdays, or home locations. Use private accounts and double-check privacy settings. Avoid tagging your child’s name or location. Don’t overshare. One cute photo is enough. No need for a daily soap. Teach kids digital boundaries early. Like “stranger danger,” but online.

Arvind Pawar Co-founder of Hyperlink Health Linkedin Dr. Kavitha Madhuri Ph.D. in Gynaecological Oncology ; LinkedIn (The events happened in August but still relevent) August offered us an important opportunity to pause and reflect on a range of health concerns that impact individuals and families across India. From lung cancer to malaria, from maternal health to preventive care, this month features several global and national health observances that remind us of our shared responsibility to protect life in all its forms. In this article, we explore the significance of these awareness days and offer ways we, as a building and neighbourhood community, can respond with compassion, action, and knowledge. 1. Breathing Matters: World Lung Cancer Day (1st August) Lung cancer is one of the leading causes of cancer-related deaths globally, and India is no exception. While often associated with smoking, it also affects non-smokers—particularly those exposed to air pollution, second-hand smoke, or environmental toxins. Key Facts: Early symptoms can include persistent cough, unexplained weight loss, breathlessness, or chest pain. Air quality and exposure to pollutants are rising concerns in urban India. What Can We Do? Avoid smoking and help others quit—consider a community tobacco-free campaign. Install indoor air purifiers or plants that naturally filter air. Encourage early check-ups for persistent respiratory issues. 2. Safe Pregnancy, Safe Birth: National Safe Motherhood Day (11th August) India was the first country to officially recognize Safe Motherhood Day , highlighting the urgent need for accessible maternal health services. Challenges: Many women still lack access to antenatal care, nutritional support, or safe delivery facilities. High-risk pregnancies in rural and urban underserved communities often go undiagnosed. Community Actions: Partner with local clinics or ASHA workers to organize antenatal check-ups. Offer nutrition kits or host wellness workshops for expecting mothers in the area. Raise awareness about the importance of postpartum care, mental health, and breastfeeding. 3. Wellness Begins at Home: Ayushman Bharat - Health and Wellness Centre Day (14th August) The Ayushman Bharat initiative aims to bring comprehensive primary health care to every Indian through over 1.5 lakh Health and Wellness Centres (HWCs). Why HWCs Matter: They provide free essential drugs, diagnostics, and wellness services. Emphasis on prevention, nutrition, mental health, and community engagement. As a Community: Map the nearest HWC and share the information through posters, WhatsApp groups, or notice boards. Invite local HWC teams for health talks in your building/tower. Support access to services for elderly residents or domestic staff. 4. A Rare Blood Disorder with Real Impact: World Hemophilia Day (17th August) Hemophilia is a genetic disorder where the blood doesn’t clot properly, leading to excessive bleeding from even minor injuries. Though rare, the challenges are real and lifelong. What You Should Know: Most people with hemophilia are diagnosed in childhood. Routine injections of clotting factor can help prevent serious complications. How to Support: Organize a blood donation drive—since hemophilia patients may need blood products. Share emergency contacts and protocols in your building for residents with chronic conditions. 5. Love Your Liver: World Liver Day (19th August) The liver, often overlooked, plays a crucial role in digestion, detoxification, and metabolism. Lifestyle choices today directly impact liver health. Liver Risks: Alcohol consumption, hepatitis infections, obesity, and over-the-counter medication misuse can all damage the liver. Steps Toward Liver Health: Promote regular liver function tests for at-risk individuals. Encourage reduced alcohol intake and healthy diets. Hold a ‘Healthy Cooking Demo’ event with liver-friendly recipes. 6. The Battle Against the Bite: World Malaria Day (25th August) Malaria remains a serious public health issue in many parts of India, especially during the monsoon months. What We Face: Rising mosquito populations due to stagnant water and climate conditions. Resistance to some malaria drugs is an emerging concern. Preventive Measures: Eliminate mosquito breeding grounds in and around the building/towers. Use mosquito nets and repellents, especially for children and the elderly. Coordinate with local municipal bodies for fogging and sanitation drives. 7. Universal Wellness: World Health Day (7th August) While World Health Day is often celebrated globally on April 7th, some local organizations in India also mark this day in August as a reminder to revisit its annual theme. The 2024 theme is "My Health, My Right." Why It Matters: Health is not a luxury—it’s a basic human right. Inequalities in access to care, medication, and even health education persist across income and geography. How to Honor the Day: Conduct a “Know Your Numbers” event with BP and sugar level screenings. Host a rights-based health workshop for residents and domestic workers. Discuss mental health, LGBTQ+ health rights, and access to inclusive care. Conclusion: A Healthier August, A Stronger Community August’s health observances are not just symbolic—they are an invitation. An invitation to care, to act, and to uplift each other. By engaging in simple acts—sharing information, organizing events, reaching out to someone in need—we reaffirm that health truly is a shared responsibility. Let’s turn our buildings into ecosystems of empathy. Let’s bring health home. If you or your family would like to volunteer in any of the community wellness projects mentioned above, please reach out to the building committee or your Resident Welfare Association. Because when we protect each other’s health, we protect our future. If you would like to engage and reach us if you have any suggestions, please get in touch with the us at arvind.pawar@hyperlink.health

Dr. Devyani Rozario Corporate Professional/Academician/Soft skills Trainer/Happiness Coach,/Life Coach/Ex State President Maharashtra Marketing Council, WICCI Linkedin Profile ; Website Dealing with people who are stuck in the B.E.D. (Blame, Excuse, Denial ) cycle can be incredibly challenging and frustrating. The constant cycle of Blame, Excuse, and Denial is a defence mechanism for such people. They often resort to these behaviours to protect their ego and avoid uncomfortable feelings like guilt, shame, or fear. Their behaviour can create a toxic environment and negatively impact your own well-being. While you can't force them to change, you can adopt strategies to protect yourself and, in some cases, encourage a healthier dynamic. Here's how to deal with people who are constantly in B.E.D. mode: 1. Set and Maintain Firm Boundaries This is the most crucial step. B.E.D. behaviour thrives on a lack of boundaries. Communicate your limits: Clearly and calmly state what you will and will not tolerate. Don't engage in their game: When they start to blame or make excuses, resist the urge to argue or defend yourself. This only fuels the cycle. Walk away if necessary: If they continue to cross your boundaries, it's essential to follow through and remove yourself from the conversation or situation. 2. Practice Empathy Without Enabling It's helpful to remember that B.E.D. is often a defence mechanism stemming from fear, insecurity, or a fragile ego. Acknowledge their feelings, not their beliefs: You can say, "I can see that you're upset." This validates their emotions without agreeing with their excuses or blame. Don't rescue them: As much as you might want to help, allow them to face the natural outcomes of their choices. 3. Use "I" Statements and Focus on Facts "I" statements can help you express your feelings without making the other person feel attacked, which can reduce their defensiveness. Example: Instead of saying, "You are always making excuses," try, "I feel frustrated when deadlines are missed because it impacts the whole team's progress." Stick to the facts: When they begin to deny or invent excuses, gently redirect the conversation back to the reality of the situation. 4. Become a "Grey Rock" This technique is especially useful in situations with highly manipulative individuals. The idea is to become as uninteresting and unreactive as a grey rock. Provide minimal emotional response: Don't get angry, sad, or frustrated. Respond with simple, factual answers. Keep your responses short and to the point: Avoid sharing personal details or engaging in long conversations. This removes the emotional fuel they need to continue their B.E.D. behaviours. 5. Encourage a Growth Mindset While you can't change them, you can model and encourage a different way of thinking. Praise accountability: When they take a small step toward responsibility, acknowledge and praise it. This positive reinforcement can encourage more of that behaviour. Reframe problems as opportunities: When a problem arises, focus on the solution. Ask questions like, "What's the next step to fix it?" instead of dwelling on who is at fault. 6. Know When to Walk Away In some cases, the B.E.D. behaviour is too deeply ingrained or toxic to deal with. It may be part of a larger pattern of manipulation or abuse. Assess the cost: Consider the emotional toll this person's behaviour is taking on you. Is your relationship with them worth the constant stress and frustration? Limit contact: If the relationship is not essential, it may be best to limit your contact with them. In extreme cases, it may be necessary to end the relationship entirely. Seek professional help: If you are dealing with such a person is causing you significant distress, a therapist or counsellor can help. Take charge of your life! Only you can do it!