A lot of people resolve to start investing at the start of the New Year. But how many actually follow through with their resolution? Well, don’t worry if you haven’t kept up your resolution. This Gudi Padwa, you have another chance.

Image Source – Mutual Funds

Gudi Padwa is a spring time festival that is considered as the traditional New Year by the people of Maharashtra. With the festival coming up, how about investing in mutual funds in order to create wealth for the future!

Gudi: The symbol of victory

It is believed that Lord Ram defeated Ravana and returned to Ayodhya on this day. The ‘Gudi’ or flag symbolizes victory and inspires people to achieve spiritual and material success.

This can be achieved by investing in mutual funds. Generally, most people put their money in savings accounts and fixed deposits. While these avenues offer capital protection, the returns are not very high. Mutual funds can be a better alternative. They have the potential to provide returns that are higher than the prevalent inflation rates, which generally hover around the 4~5% mark in India.

By steadily investing in mutual funds, you can successfully meet your financial goals such as buying a car or a house or creating a corpus for your retirement.

The Gudi Padwa offering : an assorted mix

The traditional Gudi Padwa offering comprises of various items such as dal, neem leaves, neem flowers, honey, jaggery and cumin seeds. All these ingredients differ in aroma and taste. And to make the dish correctly, all the different ingredients should be in the right quantity. You don’t want it to be too sweet or too bitter.

Similarly, there are different mutual funds choices available for investing. Equity funds, debt funds, index funds, sectoral funds and so on. Each fund is tailored to meet specific needs of the investor.

For example, equity funds have the potential to offer high returns. But on the flip side, they are prone to higher market risks. The returns on debt funds may be comparatively lower but they offer capital preservation.

A good portfolio shouldn’t be exposed to too much risk. At the same time, it should try and maximize the returns of the investor. In other words, there should be a perfect balance; just like the holy offering.

Unity in diversity

Unlike other investment avenues, mutual funds offer the benefit of diversification in a very easy manner. Instead of investing in 20 to 30 stocks, it is possible to invest in a single index fund and achieve the same level of diversification.

And the best part is you don’t even need to spend a lot of money to achieve this. In fact, through Systematic Investment Plans [SIPs], you can start your investment journey with as little as Rs 500 each month. Slowly, you can increase the monthly investment amount as your income level grows.


As the festivities for the New Year begin, how about starting your investment journey too? This Gudi Padwa, make a resolution to increase your wealth by investing in mutual funds.

While the influence of technology has permeated every industry and sector conceivable, whether it’s Banking, Manufacturing or Healthcare, the role technology is playing in shaping the real estate & construction industry is of transformational nature.  Of particular interest is the role new-gen technologies like Blockchain, Internet of Things [IoT], Machine learning, Artificial Intelligence and Robotics are playing in shaping the industry. And among them Blockchain related technologies seems to be most talked about and most misconstrued as well. Industry pundits, across the globe, seem to reckon that Blockchain could have a large and lasting impact on the way real estate gets done, but it requires big changes, not just minor tweaks.

Image Source – BlockChain

Estimates peg the global market for Blockchain at $708 million in 2017, anticipating it to reach anywhere close to $60.7 billion in 2024. Hence the impact this technology is poised to play in the near future cannot be undermined. However, before we delve any further on how Blockchain is set to impact the industry, we need to understand the underlying technology.

At the core of it, Blockchain is a digital ledger containing digital record of transactions, maintained by a network of computers. This means information of a financial or non-financial transaction is shared with a decentralized network and validated by the entire network. With Blockchain technology, one can transfer assets digitally without the need for a central verifying authority.  This is in itself is a revolutionary way of doing things. A Blockchain framework effectively reduces the chances of data manipulation and leaves lesser scope for a hacker to corrupt the computer system.

While the legality of crypto-currencies is still being debated in India, companies have begun shifting focus to the utility of Blockchain technology. According to an industry report, 56% of Indian businesses are inclined to make Blockchain a part of their core business. You may ask, how does it all Pan-out for the real estate & construction industry? The answer is that, Blockchain could open up newer models of ownerships like shared ownership helping first time buyers to purchase only part of property and proportionately earn rental incomes on the same.

In the construction industry, which requires bringing together large teams to design and shape the built environment the potential uses of this technology can be a real differentiator. With technology and in particular Building Information Modeling [BIM] becoming more widespread, openness to collaboration and new ideas is increasing across the industry. This momentum could be leveraged to bring the use of Blockchain technology to the fore. The potential uses of Blockchain, among many could be: Recording Value Exchange; Administering Smart ContractsCombining Smart Contracts to form a Decentralized Autonomous Organization [DAO]; and finally certifying proof of existence for certain data.

Hence, through this technology there is an opportunity to create a leaner procurement method which better engages the individuals who make up a project team. This will result in reducing costs by removing intermediaries, where a client has more control and transparency of cost, time and scope on their project.

A Blockchain-powered online ledger could overcome complications on multiple owners by securely and reliably tracking the size and value of individual stakes in the property in the same way as stock in companies is recorded on exchanges. Incorporated into land dealings and real estate, Blockchain could provide immense business opportunity in the future making way to a reliable property search, efficient management of property and cash flows. Blockchain integration constantly records and shares information to address traditional process inefficiencies in the commercial real estate industry.

While there are more advantages to it, there are few hurdles that the industry collectively needs to address before capitalising on the benefits of Blockchain. The adoption of Blockchain in real estate would require legislative changes, standardisation and education around Blockchain concepts so that every stakeholder understands the various stages of the transaction. The success or failure of this attempt will surely determine how government organizations feel about implementing these solutions in the future.

As per analysts, putting India’s land records on Blockchain would greatly increase efficiency and reduce fraud. While the Indian government has renewed its interest in digitizing land records through the Digital India Land Records Modernization Programme [DILRMP], the implementation of a distributed ledger first to digitize existing land records and set the precedent for future transactions ensures a legitimate, government-approved record of transactions.

It’s heartening to see that some of the Indian states have taken the lead in adopting this technology to solve real-world problems, which include – Karnataka, Andhra Pradesh, Telangana, Maharashtra, Gujarat and Rajasthan. While the adoption of Blockchain is still in a nascent stage and the world is still experimenting, it will undoubtedly create a new platform with a scope of positive outlook in the real estate market. With digital transformation taking place everywhere, Blockchain is all set to revolutionize the real estate sector, thereby bringing in reforms in the country.

About the author

Antao AV is the Chief Operating Officer of Synergy Property Development Services. More details about him can be found here

India’s popular Live TV App JioTV has introduced India’s FIRST interactive sports experience for consumers watching the ongoing tri-nation Nidahas trophy which is being shown exclusively on JioTV in India. With this, JioTV consumers can interact with the game while watching it – A revolution in the Live TV space.

Customers who watch the tri-series can do the following

  1. Customize their viewing experience by selecting from 5 different camera angles
  2. Experience audio from stump mic & stadium ambience, giving an immersive feel
  3. Choose commentary in a language of their choice – Hindi, English, Tamil, Telugu and Kannada
  4. Get access to leading cricket experts and commentators including Zaheer Khan, Ashish Nehra and Gaurav Kapoor
  5. View score and other details on demand, on a single click
  6. Watch catch-up (past content) in case they have missed a ball or a six

Once again, Jio has put the power of technology in the hands of the consumers, enabling them to challenge status quo. Till date, viewers are fed a single feed with broadcaster controlled video, commentary and score-boarding. With this innovation of digital interactivity, the game-viewing experience will get redefined.

Akash Ambani, Director, Jio, said

Interactivity in sports will transform the way sports is consumed in India. Jio continues to deliver the best and most premium content exclusively to its users through the Jio apps. Additionally, we have challenged status quo and redefined the existing user experience, with the help of technology. Jio will continue to bring a superlative consumer experience in the areas of sports, AR, VR, Immersive viewing and more in the coming days.

JioTV users need to update to the latest version of the app from relevant app store to get this feature. JioTV, which recently won the prestigious Global Mobile [GLOMO] Award 2018 for the ‘Best Mobile Video Content’, has acquired the exclusive India digital rights for the T20 cricket series Nidahas Trophy – a tri-nation T20 competition being played at Colombo from March 6 to 18, 2018 between host Sri Lanka, Bangladesh and India. JioTV will provide comprehensive coverage of the triangular series, enabling millions in India to access live and catch-up content on their mobile devices.

Gearing up for the Indian summer season, Bajaj Electricals Ltd., India’s leading consumer durable and lighting company, today launched the first of its kind IoT enabled air cooler– Bajaj COOL.iNXT. With the launch of this IoT product, Bajaj Electricals aims to improve customer’s experience through smart technology and intuitive designs. In the next two years, the company expects a huge potential for IoT enabled air coolers, not only from the residential space but also commercial.

Image Source – Bajaj Electricals

The unique features of Bajaj COOL.iNXT can be accessed through a smartphone from anywhere in the world. The specially designed app provides complete control to its unique features and functions at the fingertips of the user making the cooling experience smart and convenient.

Being the pioneer of new age intelligent IoT technology, Bajaj COOL.iNXT has the following features that differentiate it from other air coolers:

  • 3 Methods of Control: With the state of the art mobile app; IR remote and digital control panel
  • Easy ‘Wi-Fi  & Internet Enabled’ operation with the mobile app
  • Intelligent Sensor that reads the temperature and humidity of the room
  • Auto mode to automatically adjust the fan and cooling speed on the basis of the temperature and humidity of the room
  • 5 level speed control and 4 cooling levels
  • Digital control and display panel
  • Digital low water level indicator
  • Honeycomb cooling media for efficient cooling
  • Ice Chamber for faster cooling
Mr. Anant Bajaj, JMD, Bajaj Electricals Ltd. at the launch of India’s first IoT enabled Air Cooler in Bengaluru

Anant Bajaj, JMD, Bajaj Electricals, speaking on the launch said

We are extremely excited and proud to launch India’s first IoT enabled Air Cooler. Real intelligence is when technologies interact with one another to make things effortlessly happen. We want the technology to earn a permanent place in everyday life, where IoT technology will play a crucial role making the process of cooling homes and commercial spaces smarter, effective and effortless. Realizing the market dynamics and the ever-evolving consumer needs, we at Bajaj Electricals Ltd. promise you to bring in technology that will improve consumer lifestyle.

About Bajaj Electricals Ltd

‘Bajaj Electricals Limited’, a trusted Indian company is a part of ‘Bajaj Group’. A globally renowned company, Bajaj Electricals is present across Consumer Products [Appliances, Fans and lighting], Luminaires, EPC [Illumination, Transmission Towers and Power Distribution] and Exports divisions. The company has 19 branch offices spread across the country with approximately 462 customer care centers and around 70 exclusive showrooms called ‘Bajaj World’. For more information, please visit Bajaj Electricals Ltd.

Joining the worldwide celebrations of International Women’s Day, Truecaller released its most comprehensive report yet, titled Understanding the Impact of Harassment & Spam Calls on Women. The report looks into the state of harassment calls made to women, what steps they can take to prevent them, and how big of problem they are, encouraging women facing harassment and spam to ‘Call It Out’.

Sexual Harassment: Where does it stop?

It comes as an ugly truth that 1 out of 3 [36%] women in India is receiving sexual & inappropriate calls or SMS’. Of those, 78% of women claimed to receive harassment calls with inappropriate and sexual content at least once a week, and 82% claimed to receive unsolicited videos and pictures with inappropriate and sexual content at least once a week.

On average, 50% of these calls and texts were anonymous, 11% were made by stalkers, and 3% were from a person known to them.

In particular, 90% of respondents in Jaipur reported receiving calls and texts with offensive and sexual imagery or videos on a weekly basis, making it the highest in India.

The Fine Line between Nuisance and Harassment

While most women viewed cold calls from telemarketers, salespeople and fraudsters as a ‘nuisance’, 81% of women surveyed that blank calls were ‘harassment’. Blank calls in the survey were defined as an anonymous phone call made with the intention to threaten, harass or offend a caller, without a sales or phishing-related objective. In fact, blank calls were the one type of spam call overwhelmingly felt to be harassment as opposed to nuisance.

Payments and Phishing: The double-edged sword

As per Truecaller’s Insights 2017 report, India is plagued by the highest number of spam calls in the world, with the average Truecaller user receiving 22.6 spam calls per month. With India’s ever-expanding payments landscape, phishing calls collecting payment information have become rampant.

At least once a week, 72% of the women surveyed received calls from fraudsters seeking to collect payments or sensitive personal data, with 4% receiving counterfeit calls almost daily.

Calling It Out

Close to two-thirds [65%] of women reported feeling angry or irritated by harassment calls, while almost one-fourth [22%] felt troubled, worried or offended. The report also found that close to two-thirds [62%] of the women have taken measures against these calls, which is very encouraging.

The most common [65%] way to tackle this problem was to block the harasser’s number, install a call blocking app [48%] or search for the number online [41%]. Only 10% of all women filed a complaint to the police [10%] or named and shamed the spammer on social media [7%].

Truecaller found that 90% of women in India use Truecaller to block harassers and spammers and 95% use Truecaller to identify, name and shame unknown callers. According to Truecaller’s internal data it was found that, overall, women in India report 18% more unwanted calls than men do, which is not surprising at all considering all the harassment calls they receive. This is an increase with 5% from last year, which was at 13%.

Research Methodology

This research was conducted by Truecaller in collaboration with an independent market research, Ipsos Research in India. More details about them can be found here. Ipsos used the mobile based approach of data collection. The survey was conducted January 20th – February 22nd 2018 among 2,004 women aged 15-35 across 15 cities in India [SEC A & B1.] This was done on a smartphone interface, using a self-complete methodology ensuring short length of interview in an engaging format. The internal data in this article was aggregated anonymously from spam reports in India during the period of December 1st, 2017 to December 31th, 2017 to understand the trends and usage.

Criteo, the leading commerce marketing technology company, debuted findings from its Global Commerce Review, analyzing shoppers’ activities, behaviors and preferences across all devices and browsing environments. The report, which highlights a growing importance of mobile apps among shoppers, reinforces the ‘mobile-first’ mindset, and will help inform omnichannel commerce marketing strategies worldwide. Another key finding includes the relevant touch points for a shopper’s journey.

Image Source – Mobile Commerce

Expressing his views on the findings of the research, Siddharth Dabhade, General Manager, Criteo India said

With increase in smartphone usage, app adoption and mobile browsing is the largest media consumption for Indian consumers.  And with this, an interesting omnichannel shopping pattern has also emerged.  Our latest study also illustrates this, where smartphones are seen contributing to nearly fifty percent of the total online transactions in India. It is the perfect time for brands and retailers to leverage the rise of mobile-commerce in India and invest in mobile apps and mobile advertising, to effectively connect with shoppers to yield greatest possible commerce results.

Research Highlights

Mobile Growth

Mobile web usage has reached a maturity point, but shoppers rarely stay in one place for long, moving in and out of walled gardens, and are still buying on-the-go, with varying levels of frequency, on all connected devices. Also with rise in the mobile usage, the frequency of the shopper engagement is also increasing.

  • In India, smartphones contributes 45% of total transactions [App excluded].
  • Smartphone usage has been increasing at 6% since Q4 2016, showing that smartphones continue to be the most preferred environment.

Omnichannel Matters

The omnichannel strategies help educate shoppers during their winding journey, which in turn drives positive online results.

  • Global omnichannel customers offer the highest lifetime value to brands and retailers, generating 27 percent of all sales, despite representing only 7 percent of all customers.
  • Globally, retailers that are successful in combining offline and online data are able to apply more than four times [4X] as much sales data to improve marketing efforts.

App Opportunity

App has now become a crucial touch point for a shopper’s journey. Owing to this fact, apps are presenting a huge opportunity in terms of reaching out to the mobile first shoppers. In order to better connect with these mobile-first shoppers, enhance mobile shopper engagement and get substantial sales, retailers and brands need to invest in mobile app optimization and build a targeted marketing strategy.

  • Conversion rates are 5 times higher on app, about 20% then on mobile web, which is 4%, in the Asia-Pacific region.
  • Globally, advertisers saw nearly a 50 percent year-over-year increase of in-app transactions, climbing to 46 percent in the fourth quarter of 2017.

Shopping Moments

Consumers continue to trade desktop for mobile, and back again, depending on the time and day they are shopping online.

  • Retailers looking to target the busy working customer cannot ignore the dominance of desktop during business hours, especially between 9 A.M ~ Noon.
  • Alternatively, optimizing for smartphone and tablet targeting remains critical in the evenings and throughout the weekend.

Cross Device Data

Cross-device data combinations can help retailers make up lost ground from lower shares of mobile sales. It also helps in revealing where the shopper will go based on where their journey began.

  • In India, 25% of post click sales are preceded by a click on another device.

Combining cross-device data to better understand and target shopper intent allows marketers to capture higher-value shoppers. This trend is apparent in Travel & Retail category.

VuLiv Player, the most advanced and intelligent audio-video platform that uses Artificial Intelligence and Machine Learning to build predictive & prescriptive content recommendations, today announces the launch of EyeVu™ .

Image Source – VuPlayer

An A.I. powered advanced tracking technology marvel that gauges a viewer attention to digital content and enables brands & marketers to track even the slightest eye movement of a consumer while watching brand advertisement’s or digital video content . This will generate accurate data as to which part of the advertisement was actually viewed [not just played passive] and at which part of the viewers’ attention was lost.

Built on native android library , EyeVu™ ,is an intelligent technology that works on human eye movement across a set of angles or even eye blinking to create an algorithm that calculates the exact number of seconds or video frames a consumer’s attention was lost or regained and generates real time data that provides rich creative insights for brands to investigate a consumer’s viewing interest pattern to a particular ad campaign or video content.This eliminates the problems of misleading data on consumer’s viewing patterns and combats frauds in digital advertising.

The data generated can also help decode the science of compelling storytelling by advising marketers to rework on the content frame by frame and create A-B video testing samples to analyze audience response by exposing them to different edits of video under controlled conditions.

AI and Big data Analytics powered EyeVu technology empowers marketers and creative story tellers to create insightful, creative and unique content to ensure that the message weaved in an advertisement or the entertainment video reaches to the right audience, at the right time.

Speaking on launch of the feature, Manoj Kumar Gupta, Founder & CEO, VuLiv Player, said

In a world of technology as marketing becomes increasingly automated, brands need to ensure creativity and innovation don’t suffer as a result. Today, human attention to an advertising campaign on digital platform is being measured by the number of seconds a video content is played without assigning any importance to what is actually being watched/viewed.

With EyeVu AI, marketers first time will receive scientific measurement of a video content’s emotional engagement and predictive effectiveness of target audience, thereby creating the most effective formulae of gripping story telling for brands. This technology combined with AI and Big Data can unearth human science data to build right creative content, be it for advertising or entertainment.

According to marketing research firm eMarketer’s data, mobile will account for more than half [~62.0%] of overall digital ad spending, which is expected to hit a total of $2.8 billion by 2020. Globally, mobile ad spending touched $36.6 billion in 2016, accounting for 51% of overall digital advertising spending, according to IAB’s Internet Advertising Revenue Report.

With VuLiv Player’s EyeVu data, marketers can analyze the creative lift of entertainment video piece that is been targeted to the consumer, predict and analyze their actual viewing pattern, understand where the customer’s attention is dropping or where they are most attentively watching in a video advertising session and create more relevant, compelling and gripping brand advertising content, saving almost 90% marketing dollars and generate accurate conversions to the campaign.

About VuLiv

VuLiv Player, is native media platform, that bridges offline-online entertainment playback experience on smartphone, by bringing users all Videos, Music, Photos & 400 hours of popular online entertainment into just 1 smartphone application, thereby Simplifying Entertainment for the emerging market internet consumer. For more information, please visit VuLiv Player

Indra Nooyi. Chanda Kocchar. Kalpana Chawla, Sudha Murthy. Saina Nehwal. PV Sindhu. Priyanka Chopra. Manushi Chillar. Additionally, there are numerous women entrepreneurs as well operating at various scales. These aren’t just names of famous women. They are the face of the changing reality of women. Today’s women are strong and smart enough to efficiently manage home and work together. However, when it comes to planning their finances, they still prefer to take a backseat.

Image Source – Financial Planning

Financial planning for modern women

Ladies, you take numerous short-term financial decisions day-in and day-out. Then why not plan to secure your financial future? It is high time that you come out of the closet and take the driver’s seat. Financial decisions are made for every family member’s future. It is only fair that everyone gets a say in fixing the goals and deciding where to invest.

On the other hand, say you know nothing about where the money is invested and how many insurance policies are there. Your entire family could suffer because of negligence and ignorance. You should not just be updated about whereabouts of the money but also be prepared for any sort of financial emergency that may arise.

Need for financial planning

Firstly, many women now have an actual source of income, so the household income is increasing as well. Now, your savings are not limited to just the pennies saved from household budget, but also the salary drawn every month. Thus, it becomes vital for you to do your own financial planning. Secondly, due to the proven worth, women also find a place in parents’ wills. Keeping the surplus income as a fixed deposit is not sufficient. Over time, the money will lose its value. Instead, you should work towards increasing its value.

Goal-setting is a part of process

Whether it is business or personal life, setting goals is important. Having need-based goals, charting a road map and converting it into actions are the basic steps for financial planning too. While there can be many needs, prima facie they can be categorized into two: protection needs like insurance and investment needs like retirement.

Plan your retirement

Women live longer. So, shouldn’t you be financially ready for your golden years? Having to compromise on your health and lifestyle in the old age is the last thing you would want to do. Look out for special schemes for women in your retirement plan where you can get some additional benefit.

Save for rainy day

Women are known to plan for emergencies and have a plan B. Not just planning, but you should also be emergency-ready for a sudden incident. This includes having health and life insurance, and also building a contingency fund.

Start with SIP

To begin with, invest in mutual funds through SIP. You can invest as less as Rs. 1000 per month. With mutual funds, you have the opportunity to invest small portions in widespread securities, thus, dividing the risk. You can also have multiple SIPs for different life goals like Pooja Shukla.

Pooja Shukla, 40, is an entrepreneur. At the age of 25, she invested in a mutual fund through SIP for her wedding. She also invested in another mutual fund for buying house. At the right time, Pooja redeemed her mutual fund units to finance her wedding and contribute to their first home.

At 31, when her daughter was born, she started 2 new SIPs for her school education and wedding. Pooja still continues the SIPs and plans to redeem them at the right time. Since last 15 years, Pooja also invests in ELSS every year, a mutual fund with a lock-in of 3 years, which gives tax benefit under section 80C. Instead of redeeming, she reinvests the matured amount in ELSS. The compounding effect has multiplied her investments manifold.

Your first step to become financially independent can be to invest in a mutual fund. Mutual funds are known to yield attractive returns in long run.

In a nutshell

It is important that you take the gender equality jargon seriously and take control of your own finances. While it is acceptable to emotionally depend on your husband, handle your finances independently.