Indian Tycoons

पहली नज़र में क्रेडिट कार्ड किसी वरदान से कम नहीं लगते। वे आपको तुरंत खरीदारी करने की ताक़त देते हैं, हर ख़र्च पर कैशबैक, मुफ़्त एयर माइल्स, शॉपिंग वाउचर और यहाँ तक कि एयरपोर्ट लाउंज जैसी लग्ज़री सुविधाएँ भी देते हैं। बैंक इन्हें एक “लाइफ़स्टाइल अपग्रेड” के रूप में पेश करते हैं — मानो यह समझदारी से खर्च करने का नया तरीका हो। लेकिन सच यह है कि ये रिवार्ड्स कभी भी मुफ़्त नहीं होते। वास्तव में ज़्यादातर लोग जितना पाते हैं, उससे कहीं ज़्यादा चुकाते हैं। पॉइंट्स और पर्क्स की चमक के पीछे एक ऐसा बिज़नेस मॉडल छिपा है, जो आपको ज़्यादा ख़र्च करने, भुगतान टालने और अंततः 30–40% वार्षिक ब्याज चुकाने पर मजबूर कर देता है। आपको मिलने वाला कैशबैक बैंकों की कमाई का केवल एक छोटा हिस्सा है। असल में, आप ही अपनी “मुफ़्त” सुविधाओं का खर्च उठाते हैं — अक्सर बहुत भारी क़ीमत पर। मुफ़्त पैसे का भ्रम ज़्यादातर लोग क्रेडिट कार्ड की ओर सबसे पहले कैशबैक और पॉइंट्स के लालच में आकर्षित होते हैं। मान लीजिए आपने कार्ड से ₹10,000 ख़र्च किया और उस पर 1% कैशबैक मिला — यानी ₹100। यह सुनने में तो मुफ़्त पैसे जैसा लगता...

The Indian mutual fund industry has been growing at a remarkable pace. Over the past two decades, millions of investors have entered the market through Systematic Investment Plans (SIPs) , equity funds, and debt funds. Yet, with growing sophistication among investors, the demand for more advanced and innovative investment products has also increased. To address this demand, Edelweiss Mutual Fund has taken a bold step. It has filed draft papers with the Securities and Exchange Board of India (SEBI) to launch the Altiva Hybrid Long-Short Fund —India’s first Specialized Investment Fund (SIF) in the hybrid category. This article explains in detail what the Altiva Hybrid Long-Short Fund is, why it matters, how it will work, and what investors should know before considering it. 🌟 Introduction: The Birth of a New Category In May 2025, Edelweiss announced the launch of Altiva SIF , a platform for offering Specialized Investment Funds across equity, hybrid, and fixed-income categorie...

In today’s world, people often use bank lockers to store their valuable items such as gold, diamonds, cash, and important documents. A bank locker is considered a safe option compared to keeping valuables at home. However, a common question arises: What happens if items kept in a bank locker are stolen or destroyed? Until a few years ago, banks avoided taking responsibility in such cases. But now, with the new rules introduced by the Reserve Bank of India (RBI) , customers have a clear framework for compensation in case of theft, fire, or damage to locker contents. Let’s understand these rules in detail. 1. Why Do People Use Bank Lockers? To keep jewelry (gold, silver, diamond, platinum) safe. To store important legal documents such as property papers, wills, insurance policies, and share certificates. To protect large sums of cash or bonds from theft at home. The idea is simple: bank lockers provide peace of mind that valuables will remain secure under strong protec...

 Mayaa SH, a prominent figure in contemporary Indian literature and a passionate advocate for women's empowerment, has forged a remarkable career through a combination of innate talent, unwavering determination, and a commitment to social change. Her journey is characterized by bold decisions and an assertive approach to overcoming challenges, ultimately leading to significant achievements and widespread recognition. Mayaa SH's journey and her propensity for making bold decisions are deeply rooted in a confluence of personal convictions, societal observations, and a profound belief in the transformative power of self-belief and courage. Her inspiration stems from a desire to challenge patriarchal norms, advocate for women's rights, and foster an environment where women can thrive and realize their full potential. Mayaa SH, a prominent figure in contemporary Indian literature and a multi-award-winning authoress with international acclaims, has conveyed a significant message ...

भारत में घर, ज़मीन या खेती की ज़मीन बेचना ज़िंदगी का एक बड़ा वित्तीय फ़ैसला होता है। इससे एक तरफ़ नकदी और वित्तीय आज़ादी मिलती है, लेकिन दूसरी तरफ़ कैपिटल गेन टैक्स का बोझ भी आता है। बहुत से लोग मानते हैं कि यह टैक्स देना अनिवार्य है, लेकिन सच यह है कि आयकर अधिनियम, 1961 (Income Tax Act, 1961) में कई प्रावधान हैं जिनसे आप क़ानूनी रूप से इस टैक्स को घटा या पूरी तरह से बचा सकते हैं। अक्सर लोग धारा 54 (Section 54) और धारा 54F (Section 54F) के बारे में जानते हैं। लेकिन वास्तविकता यह है कि क़ानून में 9 अलग-अलग छूट (exemptions) उपलब्ध हैं, जिन्हें अलग-अलग परिस्थितियों में इस्तेमाल किया जा सकता है—चाहे आप किसान हों, घर बेच रहे हों, उद्योग चला रहे हों या स्टार्टअप में निवेश करना चाहते हों। इस लेख में हम इन सभी 9 प्रावधानों को आसान भाषा में समझेंगे, उनके नियम बताएँगे, और उदाहरण देंगे ताकि आप टैक्स बचाने का सही फ़ायदा उठा सकें। कैपिटल गेन टैक्स क्या है? जब आप कोई पूँजीगत सम्पत्ति (capital asset) —जैसे घर, ज़मीन, सोना या शेयर—बेचते हैं और उससे लाभ (profit) कमाते हैं, तो इसे कैपिटल गेन क...

Property inheritance in India is a sensitive subject. When a person passes away, questions arise about who gets the property, how it should be divided, and whether family members such as sons, daughters, wives, or siblings have rights in it. These issues often create disputes within families, especially when there is a registered Will (मृत्युपत्र) in place that gives property to one person and excludes others. Let us understand this issue step by step, with a real-life inspired example: 👉 A father executed a registered Will giving his entire property to his son. The Will mentioned that the daughter had already received her share during her marriage, so nothing was given to her. The son is also the executor of the Will. Now, the son is wondering: Does his sister have any rights in this property after their father’s death? Does his wife or children have a share in this property during his lifetime? What does the law say about such situations? This article explains everyt...

Buying property is one of the most important financial decisions in life. Whether it’s for personal use or investment, choosing the right type of property and location can have a major impact on your wealth, lifestyle, and peace of mind. One of the most common dilemmas that homebuyers face today is: 👉 Should I buy a flat in a metro city or a plot in a smaller town ? Both options look attractive, but the benefits and challenges are very different. In this article, we will break down the pros, cons, and future potential of both choices to help you decide which one fits your goals. 1. The Real Estate Shift in India India’s real estate market has undergone a massive transformation over the last decade. Metro Cities (Tier-1): Delhi, Mumbai, Bengaluru, Chennai, Hyderabad, and Kolkata remain hotspots because of job opportunities, business hubs, and better infrastructure. Smaller Cities (Tier-2 & Tier-3): Places like Jaipur, Lucknow, Indore, Bhopal, Coimbatore, Sonipat, and...