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As India’s digital economy expands rapidly, small businesses are pivoting towards storytelling-driven marketing to build deeper connections with customers and stay competitive. Marketing strategist Ishan Goel, known for guiding startups and multi-crore brands, highlights the shift as a defining trend for 2025.
 

“In the digital age, people don’t buy products—they buy stories,” said Goel. “Trust has become the currency of online engagement, and the most authentic way to build that trust is through storytelling.”
 

The approach echoes the larger shift in India’s marketing landscape, as seen in recent developments such as the launch of comprehensive digital services by STS Digital Solutions. Their initiative aims to empower Indian businesses with end-to-end support in branding, performance marketing, and social media strategy—key areas that Goel also emphasizes in his work.
 

With competition from large corporates and influencer-led brands intensifying, Goel believes that small businesses must capitalize on their authenticity and community roots. “Whether you’re running a bakery or a boutique, your face, your journey, and your voice are your biggest assets,” he explained. “You don’t need lakhs of followers—just a few hundred loyal ones in your neighbourhood.”
 

Drawing parallels to social platforms, Goel offers a unique analogy: “Social media isn’t like a matrimonial site—it’s more like Tinder. You flirt, build interest, and form a bond before a customer commits.”
 

The strategy isn’t just for flashy industries. Goel cited examples of niche sectors like dry fruit sellers creating high-engagement content by sharing Ayurvedic tips, recipes, and behind-the-scenes footage. He encourages businesses to focus content on emotion, education, and entertainment, rather than hard selling.
 

This perspective aligns with insights shared by other industry leaders such as Chiranjit Deb, a digital marketing expert recently featured in Business Standard, who stressed the importance of adaptability and innovation in content creation and audience targeting.
 

For businesses looking to improve visibility, Goel recommends combining organic content with strategic media placements. “Writing informative articles or getting featured on credible news platforms can help your brand name rank faster than most paid SEO strategies,” he advised.
 

As digital-first branding becomes essential, experts agree that building online credibility and community loyalty will be vital for sustained growth. Goel concludes, “In 2025 and beyond, the goal isn’t just to go viral—it’s to be valuable.”

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Jaipur: In 2025, ARCH College of Design & Business proudly celebrates 25 years of pioneering design education. From its establishment in year 2000, ARCH has been driven by a vision to shape future-ready designers equipped with creativity, skill, and purpose. Guided by its core values, Empower, Co-Create, and Innovate, it has transformed into a premier institution, nurturing over 7,500 students through an environment where sustainability and creative design thinking prosper. ARCH alumni are making their mark worldwide as visionary design leaders, entrepreneurs, and change makers across diverse creative industries.

Spread across a 1 lakh sq. ft. campus, ARCH offers a vibrant learning space that brings together young creatives from across India and countries like Nepal, Brazil, Spain, the U.S., and Canada. With 30+ industry collaborations and 35+ national and international projects—including the USAID Afghan Project and Jaipur Metro—ARCH stands at the forefront of impactful design practice. 

Through 10+ forward-thinking initiatives such as Design Dhara, Design Culture, Campus to Company, and ARCH Design Incubator (hubIN), the college nurtures research, entrepreneurship, and community engagement. Its excellence has been recognised with over 30 national and international awards, including The Economic Times’ Education in Specialized Skills Award at the Rajasthan Business Summit. Moreover, 20+ MOUs with reputed academic and industry partners highlight the opportunities students get through global collaborations.

Visionary Leadership of Archana Surana

Behind ARCH’s journey stands Ms. Archana Surana—Founder and Chief Mentor. With 30 years in design education, she is a mentor, design educator, and social entrepreneur. As the Founder of the Women Mentors Forum, she has empowered 1500+ women professionals through mentoring initiatives. A TEDx speaker and recipient of the YUVA ICON award presented by Dr. A.P.J. Abdul Kalam, she continues to lead with vision and purpose.

Currently serving as Vice President of the CUMULUS Executive Board, she is actively shaping global and national design conversations through initiatives like the Pink City Design Confluence and her contributions to the CII and CBSE design committees.

Archana Surana, Founder & Director of ARCH College of Design and Business, shared, “Completing 25 years is not just a milestone—it’s a testament to our unwavering commitment to shaping creative thinkers and innovators. Through design education, we empower students to challenge conventions, embrace sustainability, and create meaningful impact. Open Days is more than just an exhibition—it’s an invitation to experience, collaborate, and reimagine the future of design together.”

Marking 25 Years of ARCH with AnARCHY

The celebrations began on April 2nd with a Sunderkand Paath led by renowned scholar Shri Ajay Yaagnik ji, adding a spiritual beginning and sense of reflection to the occasion. On April 3rd, ‘AnARCHY’—an Inter-Discipline Design Culture Fest—kicked off, capturing the energy and creative spirit of ARCH as it marks 25 years of design excellence.

Join Us at Open Days

ARCH College invites you to its month-long Open Days Annual Exhibition, from April 3rd–30th, featuring student work across Fashion, Jewellery, Interior, and Communication Design. The showcase includes interactive sessions, craft demonstrations, SLOW talks, and design workshops—open to students, educators, professionals, and anyone curious about the future of design.

As ARCH completes this landmark journey, it continues to inspire a global community of design thinkers and changemakers, reinforcing its commitment to inclusive, future-facing education that shapes the world of tomorrow.

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“The World and India come together through META Superstar, Dual Dadasaheb Phalke Icon Awardee Tariq Khatri’s record-breaking Eid message motivates with viral unity video”

 

Mumbai 04 April 2025 – With his widely shared Eid message, social media star and META world record holder Tariq Khatri has once again captivated millions of people with a potent message of love, peace, and unity that transcends all religious boundaries.
 

Tariq’s Eid video has received over 4 million views, 111,000+ engagements, 99,000 likes, and 1,900+ shares in just two days, demonstrating the tremendous support for his message of “Hindu-Muslim-Sikh-Isai, Hum Sab Hai Bhai-Bhai.” The video, which was posted on his official META page, honors India’s Secular spirit by demonstrating how people of all faiths, including Christians, Sikhs, Hindus, and others, share in the celebration of Eid. Fans from India and other countries flooded the post with love, saying it was “the message the world needed.”

 

Tariq, already hailed as the “once-in-a-generation marketing phenomenon” by digital media experts, holds the world record for the Highest Engagement rate in META history (Authorised by all AI platforms and GOOGLE also) and has been honored with two Dadasaheb Phalke Icon Awards. This powerful blend of Patriotism, Unity and Viral impact is now drawing attention from World Book of Records and Guinness World Records; with social media already calling this video, the “Eid moment of the year.”

 

“This Eid, my only prayer is for India and Humanity to stay united. I dedicate this message to every child, every religion, every heart that believes in Peace,” said Tariq in the caption of the post. His message, in line with India’s constitutional ethos and global longing for peace, marks another chapter in Tariq Khatri’s unstoppable rise as not just a record-setter — but a voice of the people.

 

Website – www.tariqkhatri.in

Facebook – https://www.facebook.com/tariqkhatri2019

Instagram – https://www.instagram.com/tariq_khatri_aka_prince2/

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Fearless Victory Icon : Sangram S

Sangram Singh is not just an athlete—he is a phenomenon. From battling the crippling effects of Rheumatoid Arthritis as a child to rising as a global wrestling champion, his journey is an extraordinary testament to resilience, perseverance, and unbreakable spirit. Honored at HT Medias Crafting Bharat Awards, he was awarded the Bharat Innovator Award as a Fearless Victory Icon, further cementing his status as an inspiration for millions.

From Adversity to Glory

Sangram Singhs life is a saga of triumph over trials. Born with a severe form of Rheumatoid Arthritis, he was confined to a wheelchair during his early years. However, his determination to overcome the odds led him to the wrestling ring, where he defied all expectations and became a celebrated champion. His remarkable journey was so impactful that Discovery Channel chronicled it in a documentary hosted by Hrithik Roshan in 2015.

Sangram was awarded “Worlds Best Wrestler” by World Wrestling Professionals (WWP) in 2012 and later went on to become a two-time Commonwealth Heavyweight Wrestling Champion in 2015 and 2016. His recent return to the ring after a six-year hiatus was marked by a stellar victory at the Dubai Pro Wrestling Championship, where he defeated a Pakistani opponent 17 years his junior. He is also the first Indian male wrestler to transition into MMA, having made history at the GAMA International Fighting Championship in Georgia.

A Voice of Inspiration

Beyond the wrestling mat, Sangram is a force of motivation. As the first Brand Ambassador and Motivational Speaker for the Wrestling Federation of India, he has inspired thousands, including Indian Army personnel and students at IITs and IIMs. His story serves as a beacon of hope and determination, motivating young minds across the country.

A Star Beyond the Ring

Sangram Singhs larger-than-life persona extends to the entertainment world. He has appeared in Bollywood films like Yuva and Udaan Zindagi Ki and starred in reality shows such as Bigg Boss 7, Nach Baliye, and Survivor India. His upcoming film, Vijeta: The Story of Real Unsung Heroes, promises to further establish his impact in the industry. Additionally, he has hosted shows like Hostlon Ki Udaan and Bitiyaa Mein Hai Dum, adding to his versatility.

Championing Social Causes

Sangrams contributions extend beyond sports and entertainment. He is the Brand Ambassador for the Swachh Bharat campaign, the Face of Indias Anti-Tobacco Movement, and a supporter of the Beti Bachao, Beti Padhao initiative. Through his Sangram Singh Charitable Foundation, he has adopted and provided education for over 160 children across India. His personal commitment to social good was further highlighted in 2017-18 when he pledged to donate all his organs and skin at Chandigarh PGI Hospital, inspiring over 30,000 youth in Haryana and Punjab to follow suit.

Accolades and Recognitions

Sangram Singhs contributions have been recognized with numerous prestigious awards, including:

  • Man of Substance Award (India Men Show, 2019).

  • Indian Affairs Indian of the Year 2014 in Sports Leadership.

  • World Peace Brand Ambassador (Wockhardt Group).

  • Fit India Icon & Ambassador (Ministry of Youth Affairs & Sports, India, since 2021).

  • Viksit Bharat 2023 Brand Ambassador.

  • WPWH (World Professional Wrestling Hub) Ambassador.

  • 2024 Fitness Icon Award.

  • 2024 Times Leading Awards Winner.

A Legacy in the Making

Sangram Singh stands as a living legend in Indian wrestling and a global inspiration. With his highly anticipated MMA debut and his commitment to nurturing young athletes, he continues to push boundaries. His story resonates beyond sports—a symbol of victory over life’s toughest battles. As one of India’s most-followed sports personalities, second only to cricketing icons, he represents the epitome of perseverance, strength, and excellence.

For brands and organizations looking to align with a true role model, Sangram Singh offers an opportunity like no other. A symbol of integrity, resilience, and impact, his legacy is just beginning to unfold on a global stage.

You Can Follow Wrestler Sangram Singh on https://www.instagram.com/sangramsingh_wrestler/

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State-of-the-art plant will manufacture in-demand Timken® spherical and cylindrical roller bearings 

 

BHARUCH, Gujarat, April 11, 2025 — Timken India Limited, a leader in engineered bearings and industrial motion products, today celebrated the expansion of its bearing manufacturing capabilities in Bharuch, Gujarat. Andreas Roellgen, executive vice president and president of Engineered Bearings and Sanjay Koul, president – India and South-East Asia and chairman – Timken India Ltd., joined other Timken officials, key customers and suppliers to commemorate the event.

 

“This is an exciting time for Timken,” Roellgen said. “As we continue to accelerate profitable growth in attractive markets with innovative products, the expansion of our world-class manufacturing facility in Bharuch will help increase the value and service we provide to customers in the region and around the world.” 

 

The expansion is adjacent to Timken’s existing manufacturing facility in Bharuch and will cater to growing demand for the company’s spherical roller bearings (SRBs), cylindrical roller bearings (CRBs) and related products.

 

“This marks an important milestone in the company’s continued expansion in India.” Koul said. “We are now able to manufacture Timken CRBs and SRBs locally, which will bring us closer to our customers while boosting our speed to market.”

 

The plant was engineered with sustainability at its core with solar rooftop panels, zero liquid discharge, rainwater harvesting, energy-efficient heating, ventilation, air conditioning and lighting, electric material handling equipment and more than 900 trees planted on site. The 55,465-square-meter facility features state-of-the-art, fully automated and seamlessly connected grinding machines along with advanced superfinishing equipment, helping to ensure precision and efficiency at every stage of production.

 

About Timken

The Timken Company (NYSE: TKR; www.timken.com), a global technology leader in engineered bearings and industrial motion, designs a growing portfolio of next-generation products for diverse industries. For more than 125 years, Timken has used its specialized expertise to innovate and create customer-centric solutions that increase reliability and efficiency. Timken posted $4.6 billion in sales in 2024 and employs approximately 19,000 people globally, operating from 45 countries.

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April 11, 2025 – Zurich Kotak General Insurance is a trusted name for insurance solutions, ensuring policyholders experience hassle-free claim settlements. The transfer of car insurance policy has been an integral part of any buying or selling of four-wheelers. Be it in the case of resale, inheritance, or even company vehicle reassignment, the transfer is crucial. However, many vehicle owners focus only on transferring ownership through the Regional Transport Office (RTO) medium. They often overlook the importance of updating the insurance policy that reflects the new owner’s details. Failure to do so can lead to claim rejections, legal complications or even financial liabilities. 

Many policyholders have little clarity on transferring the ongoing car insurance policy. While many assume that car insurance automatically follows the vehicle, this is not the case. In fact, Section 157 of the Motor Vehicles Act stipulates that both the buyer and the seller must ensure that the car insurance transfer is completed within 14 days of the vehicle’s purchase. Zurich Kotak General Insurance has outlined a detailed guide on how to transfer the car insurance policy. While the focus is on general procedures, we’ll also touch upon how we facilitate this process to ensure a seamless experience for the policyholders.  

Step-by-Step Process for Car Insurance Transfer

A structured approach ensures that the transfer process is executed efficiently, minimizing disruptions to coverage and compliance.

Step 1: Transfer of Vehicle Ownership at the RTO

The insurance transfer process begins with updating the Registration Certificate (RC) in the name of the new owner at the Regional Transport Office (RTO). This step is mandatory, as insurance cannot be transferred unless the legal ownership is changed.

  • The seller must submit Form 29 and Form 30, along with sale documents, to the RTO.
  • The buyer is required to complete the RC transfer within 30 days of purchase.
  • The updated RC copy must be obtained as proof before proceeding with the insurance transfer.

Step 2: Notify Zurich Kotak General Insurance About the Ownership Change

Once the RC is transferred, the seller or buyer can inform Zurich Kotak General Insurance about the change in ownership. It is recommended that this be done within 14 days to ensure continuous policy validity. Delays beyond this period could lead to coverage lapses.

Step 3: Submission of Required Documents

In order to facilitate a smooth transfer, you need to submit the following documents:

  • An updated Registration Certificate (RC)
  • Original insurance policy document
  • Duly signed Form 29 and Form 30 (proof of sale and ownership transfer)
  • No Objection Certificate (NOC) given by the previous owner
  • Vehicle inspection report (If only required by the insurer)
  • Valid Pollution Under Control (PUC) certificate
  • New owner’s identity and address proof
  • Road tax receipt (if applicable)

Step 4: Vehicle Inspection & Premium Reassessment (If Required)

It depends on the type of policy as well as the insurer’s terms if a vehicle reinspection is required before transferring the insurance. Zurich Kotak General Insurance ensures a quick and seamless evaluation process, where we assess the vehicle’s condition and make necessary updates to the policy, such as the Insured Declared Value (IDV).

Step 5: Transfer Fees Payment & Policy Endorsement

A nominal transfer fee may be applicable as per policy conditions. Once the fee is paid and all documents are verified, Zurich Kotak General Insurance issues an endorsement reflecting the new owner’s details.

Step 6: Issuance of a New Policy Document

Once you have successfully completed the process, a new policy document is issued along with the new owner’s name. It is always advisable to review the updated policy thoroughly to ensure it covers all the essential aspects such as third-party liability, own damage protection and any add-on covers required. 

Key Considerations for Buyers and Sellers

For the Buyer:

  • Assess the current policy: Before purchasing a vehicle, review the existing insurance policy’s coverage, validity, and exclusions.
  • Upgrade to a comprehensive policy: If the existing policy is third-party only, consider switching to a comprehensive plan for enhanced protection.
  • Check the No Claim Bonus (NCB) Clause: The previous owner’s NCB is non-transferable and remains with them, but as a buyer, you can negotiate a price reduction considering the potential premium increase.
  • Confirm the policy transfer timeline: Ensure the process is completed within 14 days to avoid coverage lapses.

For the Seller:

  • Retain Your NCB: Apply for an NCB retention certificate if you plan to purchase another vehicle, ensuring you receive applicable discounts on future policies.
  • Ensure policy transfer to avoid legal liabilities: If the policy remains in your name after selling the vehicle, you could be held responsible for accidents or damages caused by the new owner.
  • Secure documentation: Keep copies of all transfer-related documents, including the sale agreement and policy handover confirmation.

Challenges in Policy Transfer & How to Overcome Them

1. Delayed Transfer Process

If you fail to initiate the transfer within the stipulated time, it can lead to insurance lapses, claim rejection, or legal complications. Policyholders need to act proactively in such cases to ensure a timely transition. 

2. Incomplete Documentation

Any incorrect or missing paperwork is one of the primary reasons for rejection. You need to have proper checklists and digital submission options to prevent errors.

3. Expired Insurance Policies

If the existing policy has expired, the new owner must purchase a fresh policy immediately. Zurich Kotak General Insurance offers hassle-free renewals with customizable add-ons to ensure optimal protection.

How Zurich Kotak General Insurance Streamlines the Transfer Process

Zurich Kotak General Insurance is dedicated to ensuring policyholders experience a seamless and efficient car insurance transfer process through:

  • Digital processing: Online submission and tracking of insurance transfer requests.
  • Automated policy issuance: Minimized paperwork and quick processing for uninterrupted coverage.
  • Dedicated assistance: Round-the-clock customer support via toll-free helpline 1800 266 4545.
  • Flexible coverage options: Upgrade policies with depreciation cover, engine protect, and roadside assistance.
  • Instant document access: Download and manage insurance documents through an intuitive digital portal.

Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited)

Zurich Kotak General Insurance Company (India) Limited is a 70:30 joint venture between Zurich Insurance Group and Kotak Mahindra Bank. The Company its new name ‘’Zurich Kotak General Insurance Company (India) Limited’’ in the month of August 2024, following Zurich Insurance Group’s 70% acquisition in Kotak Mahindra General Insurance Company Limited. It is the youngest and one of the fastest growing non-life insurance franchises in India.

Kotak General Insurance was established in 2015 to service the growing non-life insurance segment in India. The company aims to cater to a wide range of customer segments & geographies offering an array of non-life insurance products like Motor, Health, Home etc. As a practice, the company seeks to provide a differentiated value proposition through customized products and services leveraging state of art technology and digital infrastructure.

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Gold has always been a crucial part of Indian culture, serving as both an investment and a symbol of wealth. Recently, gold prices in India have soared to record highs, leaving consumers and investors wondering—what’s behind this surge, and how does it impact them?

Let’s break down the key factors driving the increase in gold prices and explore how this trend affects the Indian market.

Why Are Gold Prices Surging?

The rising gold rate today is not a coincidence. Several economic and geopolitical factors are influencing this spike.

1. Global Economic Uncertainty

Whenever financial markets become unstable, gold emerges as a safe-haven asset. With concerns over inflation, recession risks in major economies, and ongoing geopolitical tensions, investors are turning to gold, pushing its price higher.

2. Fluctuating U.S. Dollar and Interest Rates

The U.S. Federal Reserve’s policies play a crucial role in global gold prices. When interest rates are high, gold becomes less attractive since it does not yield interest. However, recent indications of a potential slowdown in rate hikes have led to increased demand for gold, driving prices up.

3. Strong Domestic Demand

India is one of the world’s largest gold consumers. Weddings, festivals, and long-term investment preferences fuel a continuous demand for gold, contributing to higher prices. Additionally, central banks worldwide, including the Reserve Bank of India (RBI), have been increasing their gold reserves, further impacting the market.

4. Rupee Depreciation

Gold is primarily traded in U.S. dollars. When the Indian rupee weakens against the dollar, it makes imported gold more expensive, directly affecting the gold price in India.

How Is This Impacting Indian Consumers?

1. Increased Cost for Jewelry Buyers

With the wedding season approaching, families planning gold purchases for jewelry are feeling the pinch. Higher gold rates mean increased costs for ornaments and reduced affordability for buyers.

2. Investment Perspective

For investors, rising gold prices can be a double-edged sword. Those who already own gold are seeing great returns, while new investors may hesitate due to the high price point. However, financial experts suggest that gold still remains a stable long-term investment.

3. Influence on Gold Loans

For many Indians, gold is more than just an investment—it’s also a financial lifeline. Gold loans have become a preferred borrowing option, offering quick liquidity without the need for extensive paperwork or credit checks. Institutions like Muthoot Finance, a leading player in the gold loan sector, provide loans based on the current market price of gold.

The loan amount you receive is directly linked to the weight and purity of your gold and the prevailing gold rate on the day you apply for the loan. Since gold prices fluctuate daily, a higher gold price in India allows borrowers to secure a larger loan amount for the same gold collateral. Conversely, if gold prices drop, the loan eligibility may reduce accordingly.

Moreover, the Reserve Bank of India (RBI) has set a maximum Loan-to-Value (LTV) ratio for gold loans, typically around 75% for NBFCs. This means that an NBFC can offer you a loan amount equivalent to up to 75% of the market value of your gold as on that date. However, the actual LTV ratio may vary depending on the lender’s policies, as some institutions may offer lower LTVs based on their risk assessment and interest rate structure.

Muthoot Finance, India’s No. 1 Most Trusted Financial Services Brand for the 9th year in a row (since 2016) by TRA’s Brand Trust Report 2025, offers flexible repayment options, competitive gold loan interest rate, and instant approvals, making gold loans a convenient solution for short-term cash needs.

Current Trends in Gold Loan Interest Rates

The rise in gold prices is also shaping the interest rates offered on gold loans. Here are a few notable trends:

Competitive Market: With increasing demand, gold loan providers are offering attractive interest rates to stay competitive.

Market Fluctuations: If gold prices continue to rise, lenders may lower interest rates to attract borrowers. Conversely, a decline in gold prices could lead to a rate increase.

RBI’s Role: While the RBI doesn’t fix gold loan interest rates, its policies influence lending structures, ensuring fair practices for consumers.

Should You Invest in Gold Now?

The million-dollar question—should you buy gold at its current high price? Experts recommend a balanced approach. If you’re investing for the long term, gold remains a strong hedge against inflation and economic downturns. However, if you’re looking for short-term gains, consider market trends before making a decision.

Conclusion

The rising gold rate today is shaping financial decisions across the country, affecting jewelry buyers, investors, and those seeking gold loans. Whether you’re looking to invest or secure a gold loan, staying informed about market trends is crucial.

For the latest updates on today’s gold price in India and to explore financial solutions, visit Muthoot Finance.

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Car insurance in India has undergone significant evolution, offering faster and more streamlined services. Today, you can get your car insured online in just a matter of minutes. Around one-fourth of the car insurance policies in India are purchased via online channels. However, it is crucial to choose the proper coverage. Although it is legally mandatory to have a third-party car insurance policy under the Motor Vehicles Act, 1988, it does not protect your vehicle against damage. Selecting the right features can save you from unexpected financial setbacks caused by accidental damage, natural disasters, or theft.

 

“A car insurance policy is not just about meeting the legal requirement, but also about confidence on the road. Having a comprehensive policy, the right add-ons, and a strong network of garages ensures that you are financially protected against any unexpected events.” – Nikhil Pandya, Chief Distribution Officer at Royal Sundaram

 

Here is the must-have checklist for 2025 to help you make an informed decision.

 

1. Assess Your Coverage Needs

 

The risk differs for every driver. Ask yourself:

  • Do you drive in heavy traffic or accident-prone areas?
  • Is your area prone to flooding or extreme weather conditions?
  • Do you frequently take long road trips?

2. Choose the Right Add-On Covers

 

Add-ons provide wider coverage and customise your policy to suit your driving habits and risk profile. 

  • Zero Depreciation Cover ensures full claim value without deductions for wear and tear.
  • Engine Protection Cover is essential for flood-prone areas, covering engine repairs resulting from water ingression.
  • Roadside Assistance provides emergency support such as minor repairs on the spot, towing and fuel delivery.
  • NCB Protection helps retain your No-Claim Bonus even after filing a claim.

 

“Car insurance is not one-size-fits-all. So, choose add-ons that suit your driving habits and risks, customising your policy for better protection.” – Nikhil Pandya, Chief Distribution Officer at Royal Sundaram

 

3. Check the IDV

 

Your Insured Declared Value (IDV) represents the current market value of your car. It affects both your premium and maximum claim payout. While lowering the IDV reduces premiums, it also decreases the compensation you receive in the event of a total loss, so choose wisely.

 

4. Review the Claim Settlement Ratio (CSR)

 

A high CSR indicates an insurer’s efficiency in settling claims. Research customer reviews and settlement timelines to ensure a smooth claims experience when needed. Royal Sundaram has a strong track record of fulfilling commitments with a 98.33%* CSR.

 

5. Balance Your Premium and Deductibles

 

Although a lower premium may seem appealing, you must choose a deductible that aligns with your financial comfort. Opting for higher voluntary deductibles can lower your premium, but ensure that it is an amount you can comfortably pay out of pocket without straining your finances during a claim.

 

6. Don’t Ignore Personal Accident Cover

 

A Personal Accident Cover is now mandatory, providing financial support in the event of owner-driver injuries or disability. However, ensure your policy extends coverage to passengers too for complete protection. You can also enhance your personal accident cover upto 50 Lacs in Royal Sundaram policies.

 

7. Ensure Access to a Wide Network of Garages

 

A strong cashless garage network ensures you don’t have to pay upfront for repairs. Choose an insurer with a nationwide network to ensure you can receive assistance anytime, anywhere. Royal Sundaram’s 7,600+ cashless garages across India ensure you receive hassle-free repairs wherever you are.

 

Stay Protected with the Right Coverage 

 

Royal Sundaram’s comprehensive car insurance policy is designed to provide complete peace of mind. It offers benefits such as cashless claim settlements at an extensive network of garages, seamless claim processing, and protection against accidents, theft, and natural disasters, ensuring you stay covered in every situation.

 

*Claims settled = claims paid + rejected + closed as of FY2023-24.

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In the realm of personal finance, making informed decisions is the key to long-term success. Whether you’re saving for a dream home, your child’s future, or a peaceful retirement, Systematic Investment Plans (SIPs) offer a disciplined and flexible way to reach your financial milestones. However, to make the most of SIPs, one tool stands out as a must-have—the SIP Calculator.

What Makes SIP Calculators So Valuable?

A SIP calculator simplifies the complex mathematics behind mutual fund investments. By entering a few key inputs—monthly investment amount, investment duration, and expected rate of return—you receive a clear projection of your wealth accumulation over time.

This level of clarity empowers investors to:

  • Set realistic financial goals

  • Plan their investment journey more strategically

  • Understand the power of compounding

  • Adjust their contributions based on target goals

Tailoring Investments to Life Goals

The beauty of SIP calculators lies in their customizability. Whether you’re planning to buy a car in five years, fund your child’s education in ten, or build a retirement corpus over 25 years, the calculator helps simulate each scenario effortlessly.

For example:

  • Investing ₹2,000/month for 10 years at an 11% return can yield approximately ₹4.2 lakhs.

  • Stretch that to 20 years and your corpus grows to nearly ₹15.2 lakhs—showcasing how time in the market can make a major difference.

SIP Calculators: A Tool for Smart Budgeting

Beyond just growth projections, SIP calculators assist in monthly budgeting. Knowing how much you need to invest today to reach a goal 10 or 20 years from now allows you to prioritize savings more effectively. It transforms financial planning from guesswork to a calculated roadmap.

Additionally, many calculators—like those on platforms such as My Calculator Tools—allow you to test different scenarios:

  • What happens if you increase your SIP amount by 10% annually?

  • How do changes in expected returns impact your final corpus?

This interactive element provides valuable insight into making smart adjustments over time.

Encouraging Early and Consistent Investing

A major advantage of SIP calculators is how they visually demonstrate the benefit of starting early—even with small amounts. Seeing the difference between starting at 25 vs. 35 can be a wake-up call for many, emphasizing the importance of consistency over volume.

For instance, investing ₹500/month for 25 years at a 12% return can accumulate to over ₹8.3 lakhs. That’s the magic of compounding, especially when time is on your side.

Final Thoughts

In a world filled with financial uncertainty, having the right tools makes all the difference. SIP calculators bring clarity, confidence, and control to your investment journey. Whether you’re a beginner or a seasoned investor, using a SIP calculator helps bridge the gap between intention and execution.

Start your journey with confidence. Plan smart. Invest smarter.

Explore SIP and other useful financial tools at My Calculator Tools.

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Read Time:2 Minute, 18 Second

New Delhi, India – Amidst an age of unprecedented growth in global trade, Exwork Cargo India Pvt Ltd emerges as a shining example, revolutionizing how companies handle customs clearance and freight forwarding. As a licensed Customs Broker with more than 14 years of experience, Exwork Cargo provides an integrated, technology-driven solution that optimizes the efficiency of global logistics through accuracy, transparency, and innovation.

A Reliable Partner in Food Imports and Exports

Exwork Cargo, which operates in import and export of foodstuffs, functions in close coordination with government regulatory bodies such as the Food Safety and Standards Authority of India (FSSAI), Animal Quarantine and Certification Services (AQCS), and Plant Quarantine and Certification Services (PQCS). The company’s team of experts, including retired government bureaucrats, ensures that everything is done in accordance with applicable guidelines in letter and spirit, thereby emerging as a trusted support for intricate regulatory procedures.

Digital at the Heart: The Exwork Cargo Portal

At the heart of Exwork Cargo operations is its groundbreaking online portal: app.exworkcargo.com, https://app.exworkcargo.com. From this portal, customers can:

– Tracking of consignments in real time.
– Track customs clearance status
– Collect historical data and facts.
– Receive instant alerts and notifications.
– One must book and manage shipments.

This end-to-end solution is tailored for importers, exporters, freight forwarders, shipping agents, customs brokers, and transporters, providing complete visibility and control throughout every step.

Increased Logistics through AI-Powered Automation

Exwork Cargo goes one step further with eSANCHIT AI, a cutting-edge logistics solution that was developed in association with its group organization, Thinkwide Tech India Pvt Ltd. Its in-house AI system enables faster and more accurate processing, thus enabling the team to provide high-quality service in a time-sensitive business.

Automated alerts using WhatsApp and Email and customized alerting options guarantee customers are kept in the information loop during the shipping and clearance process—thereby promoting transparency and reducing delays.

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Why Companies Choose Exwork Cargo:

Over 14 years of logistics experience

– Specialty departments led by field experts

– Internal digital gateway for real-time visibility

– Artificial intelligence services offered by eSANCHIT AI.

– Accuracy of compliance supported by ex-government officials – Customized, client-focused service model

“Simplifying worldwide logistics for our customers with a solid blend of knowledge and innovation is our objective,” state the company executives. “Your cargo with Exwork Cargo is not merely shipped—but cared for and treated with great attention.”

Concerning Exwork Cargo India Pvt Ltd:
India-headquartered Exwork Cargo is one of the largest freight forwarders and customs brokers committed to providing frictionless, technology-driven logistics solutions. With a client-centric culture and technology ahead of tomorrow, the company is transforming the way companies conduct global business.

Your shipment is our promise it is monitored, cleared, and delivered with confidence.

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