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Category: MAM

  • Planning a Home Loan? Here’s How an EMI Calculator Can Help You

    Planning a Home Loan? Here’s How an EMI Calculator Can Help You

    Buying a home tends to be the single biggest financial commitment most people ever take on. Because property prices are high, many buyers rely on a home loan to cover the purchase cost. That choice brings a long repayment journey that should be planned carefully and assessed with precision. A home loan calculator lets you work out your future instalments before you apply, so you can organise your budget with clarity and confidence.

    What is a home loan EMI calculator?

    A home loan calculator is an online tool that estimates your equated monthly instalments. You can open it at any hour on a bank website, a fintech platform, or a real estate portal. Once you supply three basic details—the loan amount, the loan tenure, and the interest rate offered by your lender—the calculator shows the monthly repayment you can expect.

    Manual number crunching involves complex formulas and invites mistakes, yet the calculator produces accurate figures in seconds. Seeing reliable results early helps you compare offers, adjust expectations, and design a repayment plan that will last for the entire loan period.

    Features of a home loan EMI calculator

    A home loan calculator comes with various useful features that make it an essential part of the home loan planning process. These practical features are listed below:

    ●    Real-time results: Change the loan amount, tenure, or interest rate, and the EMI changes instantly. You can explore many scenarios in just a few minutes.

    ●    User-friendly interface: Most calculators are arranged in a straightforward layout. Enter your data, press one button, and read the output. No advanced finance knowledge is needed.

    ●    Customisation options: The tool lets you fine-tune the loan amount, repayment tenure, and interest rate. Even small adjustments show how your EMI and total repayment might shift.

    ●    Detailed information: Some versions supply an amortisation table, breaking each month or year into principal repayment and interest repayment. The schedule offers a transparent view of how your loan will shrink over time.

    ●    Constant accessibility: Because the tool stays online, you can use it whenever you wish. It works on laptops, desktops, tablets, and phones, and it remains free for unlimited use.

    How to use a home loan EMI calculator

    Using a home loan calculator is simpler than it sounds. Think of it as an online form that asks a few small questions and then does all the heavy lifting for you. Here’s a quick step-by-step guide to help you figure out how to use a home loan EMI calculator:

    1.    Type in the loan amount

    Enter the loan amount into the home loan calculator tool. Your loan amount is the amount of money you plan on borrowing from the bank. For instance, if you are buying a home worth Rs. 40 lakhs and making a down payment of Rs. 10 lakhs, then your home loan amount will be Rs. 30 lakhs. Since home loan EMI calculators are flexible, you can run multiple simulations with different loan amounts to see how your estimated EMIs change. 

    2.    Choose the ideal loan tenure

    Next, you have to enter the tenure of your home loan. Home loan tenure is the time period during which you plan to repay the loan to the lender. Lenders typically offer varied loan tenures ranging from 10 to 30 years, based on the loan amount and your eligibility.

    Most calculators come with sliders to help you customise the loan tenure option. You can slide it until the monthly figure in your mind feels comfortable. Remember that stretching the tenure down to the shorter end makes each instalment higher but saves you interest in the long run, while moving it to the far end eases the monthly load but adds interest.

    3.    Input the home loan interest rate

    The home loan calculator software calculates your EMIs based on the applicable rate of interest. So, you need to provide the home loan interest rate offered by the lender. Keep in mind that home loan interest rates are different from lender to lender. Lenders offer home loan interest rates depending on your credit score. So, If your credit report is good and your income is stable, you can usually negotiate a lower interest rate in order to have lower EMIs.

    4.    Press the ‘Calculate’ button

    After filling in all the details needed on the home loan EMI calculator, press the ‘Calculate’ button. The calculator will immediately show you your EMI amount, the total interest you will pay, and the total repayment amount over the loan period. Some calculators also print a month-by-month repayment table so you can see exactly how your balance falls with every payment. With that one click, you have a clear picture of your future cash flow before you even fill out the loan application.

    Why you should use a home loan EMI calculator

    Choosing a loan without crunching the numbers first is a bit like setting off on a road trip without checking the fuel gauge; you might get there, but the journey can become stressful. A quick session with a home loan calculator puts you back in the driver’s seat and makes planning far easier.

    ●    Compare different permutations: By tweaking the loan amount, tenure, and interest rate, you can see dozens of repayment scenarios in seconds. Watching the EMI rise or fall on-screen helps you zero in on the mix that feels right for your income and comfort level.

    ●    Create an effective budget: Once the calculator shows your likely EMI, you can map out the rest of your monthly spending with confidence. It becomes simpler to set aside money for groceries and utilities, build an emergency fund, and still reserve something for savings or future goals.

    ●    Save time: Longhand calculations eat up hours and still risk slip-ups. The calculator returns precise figures in a flash, letting you make clear, informed choices and move on to the fun part—finding the perfect home.

    Besides using the calculator, gather all the home loan documents required before approaching a lender. Typical home loan documents required include identity proof, address proof, proof of income, employment verification, property papers, and recent bank statements. Submitting complete and correct paperwork speeds up approval and may improve the terms you receive.

    Conclusion

    Checking your home loan EMI estimate before you sign anything is just as crucial as gathering the home loan documents required by the bank. Five minutes with an online calculator lets you see, in plain numbers, how the loan will sit in your monthly budget. If the EMI feels heavy, you can tweak the down payment, tenure, or interest rate until the figure matches your comfort zone. That little preview can save years of stress and keep your dream home truly affordable. 
     

  • The role of marketing in the evolution of corporate transport-as-a-service (TaaS) platforms in India

    The role of marketing in the evolution of corporate transport-as-a-service (TaaS) platforms in India

    MUMBAI: India is at a pivotal moment in rethinking how businesses move people. As companies continue to grow in a post-pandemic, sustainability-focused era, safe and efficient employee transport is more critical than ever. AI-powered transport-as-a-service (TaaS) platforms—once seen as futuristic—are now driving tangible efficiencies and smarter mobility.

    In a landscape long dominated by legacy systems and fragmented vendors, successful adoption increasingly depends on strategic marketing that builds trust and drives behaviour change. As more companies shift to integrated, tech-enabled solutions, India’s employee transportation market is poised to reach $13.2 billion by 2030—propelled by the expansion of GCCs, rising focus on employee well-being, and environmental accountability. 

    However, the concept of TaaS is still relatively new to many businesses, especially those in tier 2 and tier 3 cities. And with TaaS providers rapidly growing in India, standing out now hinges on strategic marketing—not just tech. So how does marketing drive all this? Rather than flashy promotion, the focus has pivoted to education, translating AI-driven, real-time transport orchestration into boardroom value. Marketing teams are now playing a crucial role in educating decision-makers about the cost, environmental, safety and operational benefits of transitioning from legacy transport models to digital-first, on-demand solutions. 

    Targeted content campaigns, engaging webinars, whitepapers, industry events, data-driven campaigns, and fact-based storytelling have become prime levers for TaaS marketers to successfully communicate the advantages of reduced overheads, improved route optimization, and enhanced employee satisfaction.  

    Powerful sources such as Google India’s Think with Google: B2B Playbook indicate that Indian business buyers digitally explore solutions to the extent of around 80% prior to going into contact with vendors. This makes online reputation, transparent data, and customer reviews critical marketing touchpoints. In response, thought leadership marketing—via blogs, LinkedIn articles, and panel discussions—has emerged as a strategic lever, positioning TaaS not just as a logistics solution, but as a vital pillar of future-ready enterprise strategy. 

    Arjun BhojrajIn an ESG-conscious corporate world, sustainability has become a major buying criterion. Indian TaaS platforms have leveraged this through savvy green marketing. Campaigns emphasizing electric vehicle (EV) adoption, carbon footprint reduction, and alignment with India’s net-zero goals have resonated strongly with large enterprises under pressure to showcase sustainability metrics. 

    Perhaps most fascinating is the shift in how trust and value are built. Marketing’s function today is to encourage internal adoption within client organizations, offering toolkits and change management processes to facility teams and HR rather than simply selling a service, but inducing behaviour change through tailored communication, including ROI calculators and demo videos. Trust is further reinforced through robust safety protocols, comprehensive driver background checks, vehicle health monitoring systems, and transparent ESG impact reports and sustainability dashboards playing a pivotal role in accelerating adoption.

    A critical dimension in the evolution of corporate TaaS platforms is monetisation. TaaS platforms often operate on a hybrid model, combining subscription-based pricing with usage-linked fees. Several research from PwC and Bain & Co. reveals a trend toward transparent, outcome-driven pricing, with additional layers for advanced analytics, ESG reporting, and premium support. Strategic marketing plays a role here too—by clearly communicating the ROI, cost-saving benefits, and long-term value of these offerings, platforms are able to position themselves not just as transport providers but as strategic mobility partners. 

    As India accelerates its push toward digitization, green mobility, and human-centric workplaces, the role of smart transport marketing becomes increasingly critical. Marketing is no longer a peripheral function—it is a strategic force that drives awareness, builds trust, fosters engagement, and accelerates adoption.

    By aligning brand narratives with operational excellence and measurable socio-environmental impact, marketing ensures that TaaS platforms aren’t just selected—they’re embraced and advocated for by forward-thinking Indian enterprises.

    (This comment piece has been penned by Routematic chief business officer Arjun Bhojraj. The views expressed in it are entirely the author’s and indiantelevision.com need not subscribe to them)

  • Lucien Laviscount returns as face of Tommy Hilfiger SS25 watch line

    Lucien Laviscount returns as face of Tommy Hilfiger SS25 watch line

    MUMBAI: Tick, style, tock. Tommy Hilfiger is giving timepieces a dose of star power and this one comes with a British accent and signature smirk. Actor and Tommy Family brand ambassador Lucien Laviscount is once again the face of Tommy Hilfiger’s Spring Summer 2025 watch campaign. Following his Fall 2024 debut, Laviscount continues to bring “effortless cool and natural charisma” to the brand’s evolving vision of American classic-meets-modern swag.

    “It’s chic, elegant and hits all the right notes,” Laviscount said, waxing lyrical on the collection. “That’s pure Tommy through and through.” He’s not wrong.

    The SS25 men’s lineup hits the fast lane with the Bank, a motorsport-inspired model featuring a red aluminium pusher guard and an integrated silicone strap for peak performance. It’s style with speed on the wrist. Meanwhile, the TH85 Carbon Chronograph leans into the luxe lane with enamel dials, sub-dials, monograms, and Cordura straps that scream sport-meets-slick.

    Not to be outdone, the women’s range plays with poise and punch. From tank-shaped silhouettes with sculpted metal bracelets and sunray dials, to crystal-dotted “boyfriend watches” with sport-luxe vibes, these watches are all about timelessness with a wink.

    The SS25 collection is available across India via Titan World, Helios, Shoppers Stop, Lifestyle, Tommy Hilfiger stores and other premium outlets. And of course, it’s all over Instagram.

    Whether you’re racing against deadlines or fashionably late to everything, these timepieces make every second count with Lucien Laviscount, quite literally, in your corner.

  • What are the Common Myths About the Tax Benefits of NPS?

    What are the Common Myths About the Tax Benefits of NPS?

    The National Pension System (NPS) is a retirement savings instrument that offers attractive tax benefits to encourage people to save for their golden years. However, there are many myths surrounding the actual tax benefits you can avail of with NPS. This confuses and stops people from availing of a financially beneficial offering. In this article, we will bust some common myths about the tax perks of investing in NPS. Understanding the realities will help you make an informed decision about using NPS as a tax-saving tool.

    Myth 1: NPS Tax Benefits are Just Like Other Investments

    NPS offers additional, exclusive tax benefits that most other tax-saving investments do not. Under Section 80C, you can claim a deduction up to ₹1.5 lakhs for NPS contributions, just like other options such as PPF, ELSS, etc. However, NPS offers further deductions:

    ●    Section 80CCD(1B): An extra ₹50,000 deduction, over and above the 80C limit  
    ●    Section 80CCD(2): Up to 14% (new regime) is deductible from employer contributions

    This is a key difference from other tax-saving investments. Under 80CCD(2), employer NPS contributions up to 14% of basic pay become deductible from taxable salary. No other investment gives salaried individuals this triple tax benefit—80C, 80CCD(1B) and 80CCD(2).

    Myth 2: NPS Withdrawals are Fully Taxable

    At age 18, the child’s NPS account transitions to a standard NPS account. At exit (typically age 60), up to 60% of the corpus can be withdrawn tax-free as a lump sum, while at least 40% must be used to purchase an annuity, the income from which is taxable. If the corpus is below ₹2.5 lakh, it can be fully withdrawn tax-free.

    Compare this to PPF, EPF or VPF, where your accumulations and withdrawals are tax-free only until you retire. Post retirement, interest earnings exceeding ₹50,000 per annum are subject to tax. NPS scores over other retirement schemes here by making 60% of the corpus tax-free irrespective of the holding period or quantum withdrawn.

    Myth 3: You Lose Tax Benefits if You Exit Early

    This myth stems from partial knowledge. While an early NPS exit does limit the lump sum withdrawal percentage, it does not take back the tax benefits already availed on contributions. For instance, exiting before 60 years only allows withdrawals up to 20% of the corpus instead of 60%. However, all contributions for which you claimed tax deductions will not be added to your income in the year of withdrawal.

    The taxman may not ask you to return or nullify deductions enjoyed in previous years. The only impact is that your withdrawals get restricted if you exit before the maturity period of 60 years. So, while early exit impacts liquidity, it does not reverse previously claimed NPS tax benefits.

    Myth 4: NPS Benefits Only High-Income Groups

    NPS tax benefits are meant for all individuals who pay income tax, irrespective of their salary brackets. For instance, even fixed-income senior citizens can open an NPS account and reduce their tax outgo by ₹50,000 through section 80CCD(1B) deductions.

    Similarly, employees across MNCs and SMEs – from blue to white collar roles – can claim NPS tax benefits under 80CCD(2) on employer contributions. The only criterion is that you should have some tax liability to offset through these deductions. So while HNIs may gain more in absolute rupee terms, NPS tax advantages are very much relevant for middle-income groups too.

    Myth 5: Lock-in Defeats Flexibility for Tax Planning

    NPS indeed comes with longer lock-in requirements than ELSS, PPF, or ULIPs. However, one must evaluate this from a retirement planning perspective. NPS aims to create a pension corpus and hence, places withdrawal limits. However, this does not make it inflexible.

    NPS allows partial withdrawals of up to 25% of own contributions before maturity for specific expenses like children’s education/marriage, or buying residential property. You can plan your withdrawals for these crucial life goals. Additionally, you can withdraw the entire corpus if you are diagnosed with any specified critical illness.

    So, while NPS discourages random withdrawals, it does account for critical liquidity needs. Partial withdrawals can be used for tax planning while the rest of the corpus remains invested for retirement.

    Conclusion

    NPS is fundamentally meant for retirement planning, not just tax savings. The lock-in period and withdrawal rules promote disciplined long-term investing. At the same time, exclusive tax benefits make NPS very attractive. Instead of getting swayed by superficial myths, evaluate NPS objectively for its dual advantage – tax efficiency coupled with wealth creation for your golden years. Use it strategically along with other tax-saving options to maximise deductions and secure your financial future.

    FAQs

    1. Is it good to invest in NPS for tax benefits?  
    Yes, NPS is great for tax savings. Under Sections 80CCD(1) and 80CCD(1B), you can save up to ₹2 lakh, plus extra deductions for employer contributions under Section 80CCD(2).

    2. Is NPS 100% tax-free?  
    No, NPS is not fully tax-free. After age 60, 60% of your withdrawal is tax-free, but the remaining 40% used for annuity payments is taxed based on your income slab.

    3. Can I claim both 80C and 80CCD?  
    Yes, you can claim both. Section 80CCD(1) is part of the ₹1.5 lakh 80C limit, but Section 80CCD(1B) gives an extra ₹50,000 deduction, and 80CCD(2) covers employer contributions.

    4. Can I exit from NPS after 1 year?  
    Yes, you can exit early, but there are restrictions on how much you can withdraw. Staying longer helps your money grow and keeps your tax benefits intact.

    5. What happens to 40% of the NPS amount after death?  
    If you pass away, your nominee can withdraw the entire NPS corpus, including the 40% annuity portion, as a lump sum, tax-free, or use it to buy an annuity.  
     

  • DSP’s ‘Salute’ gives financial heroes their cinematic due

    DSP’s ‘Salute’ gives financial heroes their cinematic due

    MUMBAI: They aren’t in the limelight, don’t post returns on Linkedin, and won’t show up in trending reels. But they’re the quiet anchors behind financial futures. DSP Mutual Fund’s new short film, Salute, puts the unsung Mutual Fund Distributor (MFD) at the centre of a stirring tribute turning spreadsheets into stories.

    Released in collaboration with long-time creative partner Bandstand Collective and scripted by their in-house agency Tune, the film trades numbers for nuance, emotion, and everyday financial realities. Known for their emotionally intelligent storytelling from the viral “Dancing Uncle is Back” to the subtle strength of “Stranger on the Bench” Bandstand once again proves that finance can be both heartfelt and human.

    Salute follows the lives of MFDs who do more than recommend SIPs. They counsel during market crashes, cheer quiet wins, and ensure dreams from education to retirement stay on track. It’s a nod to the deep trust between an investor and advisor in a world obsessed with DIY and meme-stock bravado.

    “Mutual fund distributors are the real enablers of long-term prosperity. They don’t make noise, but they make a difference,” said DSP Mutual Fund senior VP & head of marketing Abhik Sanyal. “With Salute, we wanted to move beyond metrics and celebrate those who guide people through life’s most crucial money decisions.”

    Backed by DSP’s consistent push to humanise financial communication, Salute marks another step away from the chart-and-graph trope. Instead, it finds power in everyday gestures reminding us that the biggest financial wins often start with quiet conversations.

    Bandstand Collective co-founder and CCO Tuhin added, “Our brief was simple, make people feel something. That’s always been the spirit of our work with DSP. With Salute, we wanted to give voice to the MFDs who are often overlooked but vital to millions of Indian families.”

    With financial storytelling that moves, not just informs, DSP Mutual Fund and Bandstand continue their winning streak of emotionally resonant content that makes you think maybe even rethink how you feel about finance.

  • Smart Retirement Planning: Good Retirement Plans to Consider Now

    Smart Retirement Planning: Good Retirement Plans to Consider Now

    Retirement is a phase when you want to spend quality time with your family and pursue your long-due dreams. However, it requires financial stability as a conventional source of income is not available anymore. Considering this, planning your retirement is necessary. Unfortunately, many people do not plan their retirement, which may cause trouble in future. As you transition from the working years to retirement, financial security is essential. A Best retirement plan helps you live peacefully without worrying about your finances.

    What is Retirement Planning

    Retirement planning is about determining your future financial requirements and making the right choices today in order to fulfil those needs. Retirement planning means selecting good investments, saving every month, and making sure that your savings increase sufficiently to sustain you once you retire.

    Planned retirement involves adopting a long-term strategy and starting early. Numerous individuals shy away from it, believing they have sufficient time. The sooner you begin, however, the greater your funds have the potential to grow with the compounding power.

    Why Should You Start Planning for Retirement Now?

    Starting your retirement planning early is essential for building a secure financial future. Here are a few reasons why it’s important to begin preparing for retirement as soon as possible:

    ●    Security and Stability: A solid retirement plan provides a stable income once you stop working, allowing you to maintain your lifestyle and avoid financial stress.   
    ●    Medical Expenses: As you age, medical expenses tend to rise. A well-structured retirement plan ensures that you are prepared for any healthcare needs without draining your savings.   
    ●    Inflation Protection: Over time, inflation increases the cost of goods and services. Retirement plans that grow over time can help protect your savings against inflation.

    Types of Retirement Plans to Consider

    India offers several good retirement plans, each designed to suit different needs. Let’s look at the most popular ones:

    Immediate Annuity Plans

    Immediate annuity plans allow you to invest a lump sum amount, and in return, you receive regular payouts starting within a year. These plans are better suited for individuals who are close to retirement and need a guaranteed source of income.

    The key benefit of immediate annuity plans is that they provide stable, predictable income throughout retirement. You don’t have to worry about managing investments or market fluctuations.

    Deferred Annuity Plans

    Unlike immediate annuity plans, deferred annuity plans allow the investor to decide when to start receiving annuity payouts. During the accumulation phase, the subscriber makes regular contributions that grow over time. After retirement, these contributions are converted into a stream of income.

    This plan is ideal for individuals who are still a few years away from retirement and want their savings to grow before they begin receiving payouts. The flexibility of deferred annuity plans is appealing to those who want to plan for long-term financial security.

    Senior Citizen Savings Scheme (SCSS)

    The Senior Citizen Savings Scheme (SCSS) is a government-backed savings scheme designed for people aged 60 and above. It offers regular quarterly interest payouts, making it a popular option for seniors who need consistent income after retirement.

    This scheme offers tax benefits and has a minimum investment of ₹1,000, with a maximum of ₹15 lakh. The current interest rate is 8.2% per annum, which is paid quarterly. The initial tenure is five years, with an option for extension for another three years.

    National Pension System (NPS)

    The National Pension System (NPS) is a government-supported retirement plan available for anyone between the ages of 18 and 70. NPS allows you to invest in market-linked instruments such as equities, bonds, and government securities.

    NPS offers tax benefits up to ₹2 lakh a year and provides the flexibility to manage your investments based on your risk appetite. NPS is especially beneficial for individuals who are comfortable with market risks and looking for a retirement plan with higher growth potential.

    Mutual Fund SIPs (Systematic Investment Plans)

    Mutual funds are a popular choice for retirement planning, and the Systematic Investment Plan (SIP) is a great way to invest consistently in mutual funds. SIPs allow you to invest a fixed amount regularly, helping you build wealth over time.

    By investing in a mix of equity, debt, or hybrid funds, you can create a diversified portfolio that grows as the market grows. SIPs are ideal for individuals with a long-term horizon who are looking for capital appreciation and tax benefits under Section 80C (only under the old tax regime).

    Factors to Consider While Choosing a Retirement Plan

    Choosing the right retirement plan is a crucial step towards securing your financial future. Here are a few factors to consider before selecting a retirement plan:

    ●    Risk Tolerance: Some plans, like pension plans and NPS, offer low-risk, stable returns, while others, such as mutual funds and equities, involve higher risks but provide better growth potential. Choose a plan that aligns with your risk appetite.   
    ●    Flexibility: Consider whether the retirement plan offers flexibility in terms of contribution amounts, withdrawal options, and annuity payout schedules. Flexible plans allow you to adapt your strategy as your financial situation changes over time.   
    ●    Tax Benefits: Many retirement plans offer tax savings either at the time of contribution or when you withdraw funds. Ensure that your plan maximises tax efficiency and aligns with your tax goals.   
    ●    Retirement Age: Your retirement age will determine the type of plan that is suitable for you. If you are young and have many years to save, growth-oriented plans like SIPs or NPS are ideal.

    However, if you’re nearing retirement, safer options like annuity plans or SCSS may be more appropriate.

    When thinking about your options for retirement, also consider that there are life insurance products that provide retirement benefits. Most insurers, including Axis Max Life Insurance, provide solutions that allow clients to reap the benefits of life insurance while also comfortably retiring. Most retirement solutions will typically allow you, the client, to make contingent regular payments after you retire, thus financially securing you for your golden years.

    Conclusion

    Good retirement planning is an integral component of a comfortable and secure future. It is important to understand the multitude of options available to you and how your retirement plans will go depending on your individual financial situation, age, and risk tolerance. Though there are options such as pension plans, mutual funds, insurance policies, and government-backed schemes such as SCSS and NPS, you’ll have an easier chance of achieving the financial freedom of your dreams if you start early and save regularly.

    When it comes to retirement, variations in retirement plans are all about, as well as your personal situation, and it is to your benefit to understand each plan and start building your retirement corpus for a future with less worry. The sooner you start, the more you could potentially generate wealth and provide you with the opportunity to spend your golden years in relaxation.   
     

  • Kingfisher kicks off with Messi’s men in India

    Kingfisher kicks off with Messi’s men in India

    Mumbai: Kingfisher Premium Packaged Drinking Water has signed on as the regional sponsor of the Argentine Football Association (AFA) in India, marking a major score for the United Breweries-owned brand as it looks to deepen ties with India’s most football-mad regions.

    The partnership, officially unveiled at Buenos Aires’ iconic River Plate Stadium, saw Mohit Raina, category head at Kingfisher, join Leandro Petersen, AFA’s chief commercial and marketing officer, to seal the deal.

    With the tie-up, Kingfisher aims to dribble deeper into India’s football heartlands — from West Bengal and Kerala to Goa and the Northeast — with campaigns that blend sport, celebration and its signature message of togetherness.

    The collaboration includes grassroots football initiatives, immersive fan experiences, and a digital blitz to rally support across platforms. But the real kicker? The Argentine national team — reigning world champions — is expected to play a high-voltage international friendly in Kerala come October 2025. With Messi and co likely to light up the pitch, the event is already generating massive buzz.

    For Kingfisher, it’s not just about hydration — it’s about being where the passion flows.

    AFA chief commercial & marketing officer Leandro Petersen, expressed his enthusiasm about the collaboration “We are excited to welcome Kingfisher Premium Packaged Drinking Water as a Regional Sponsor in India. This partnership not only enhances our presence in one of the world’s most vibrant football markets but also aligns perfectly with our vision to connect with fans globally through meaningful and engaging collaborations.”

    United Breweries Ltd CMO Vikram Bahl shared his perspective on the partnership, “Partnering with the Argentine Football Association marks a proud milestone for Kingfisher Premium Packaged Drinking Water.  Football has a remarkable ability to unite communities and inspire fans. Through this collaboration, we aim to bring that energy to life through meaningful experiences and memorable campaigns that celebrate the game and reflect the vibrant spirit of our brand.”

    For Kingfisher, it’s not just about hydration — it’s about being where the passion flows.

  • How to Compare Mutual Funds Before Investing: Key Metrics and Tools

    How to Compare Mutual Funds Before Investing: Key Metrics and Tools

    Choosing the right mutual fund from the many options in India can feel daunting. Picking one based only on high returns might not suit your financial goals or how much risk you’re comfortable with.

    A clear, step-by-step comparison using specific measures helps you make smart choices. This guide explains how to evaluate mutual funds in a simple way, perfect for both new and experienced Indian investors.

    Why Compare Mutual Funds?

    Comparing mutual funds is about finding one that matches your needs, not just chasing the highest returns. It means looking at performance, costs, risks, and what the fund invests in. This ensures you pick a fund that fits your financial plans.

    Key Measures to Look At

    Here are the main things to check when comparing mutual funds:

    Past Performance

    Look at how the fund has done over different periods—like 1 year, 3 years, 5 years, or since it started. But don’t rely only on these numbers.  

    For example, HDFC Flexi Cap Fund might show an 18% return last year, while another fund has 16%. The 16% fund could be better if it’s more stable and less risky.

    Comparison to a Benchmark

    Every fund has a standard to measure against, like the Nifty 50 for large-cap funds. A good fund should do better than its benchmark over time.  

    If a mid-cap fund doesn’t beat the Nifty Midcap 150, it might mean the fund’s stock choices or fees are holding it back.

    Expense Ratio

    This is the yearly fee you pay, shown as a percentage of your investment. A lower fee means more money stays in your pocket, especially for long-term investments like SIPs.  

    Say Fund A charges 1% and Fund B charges 1.5%. That 0.5% difference might seem small, but over 10 years, it could cost you thousands of rupees.

    Risk Measures: Sharpe, Alpha, and Beta

    ●  Sharpe Ratio: Shows how much return you get for the risk taken. Higher is better.  
    ●  Alpha: Tells you if the fund manager beats the market with smart picks.  
    ●  Beta: Shows how much the fund’s value swings compared to the market. A beta of 1.1 means it’s 10% more up-and-down than the market.  
    These help you see if a fund’s returns are worth its risks.

    What’s Inside the Fund

    Check the sectors and companies the fund invests in. If you already own tech stocks elsewhere, adding a tech-heavy fund might make your investments too similar.  
    Look at the top 10 holdings and whether the fund focuses on large, small, or foreign companies for balance.

    Fund Manager’s Track Record

    A skilled manager can make a big difference. Those who’ve handled funds through good and bad market times often make better decisions.  
    Check how long the current manager has run the fund and if it’s done well under them.

    Exit Fees and Other Costs

    Some funds charge a fee if you withdraw money early, often within a year. If you might need your money soon, watch for these fees and other costs that could reduce your returns.

    Tools to Help You Compare

    These tools make comparing funds easier:

    ●  Online Platforms: Investment platforms let you compare up to four funds at once, showing their value, returns, risks, and fees.  
    ●  Benchmark Tools: Screeners from Fidelity or MarketWatch give detailed info on performance and stability.  
    ●  Ratings: Morningstar or Lipper ratings provide a quick look at a fund’s long-term performance, but don’t rely only on these.

    Example: Comparing Two Large-Cap Funds

    Here’s a comparison of two large-cap funds:

    Measure Fund A Fund B
    1-Year Return 12% 11.5%
    3-Year Average Return 15% 14.8%
    Expense Ratio 1.2% 1.4%
    Sharpe Ratio 1.1 0.9
    Alpha +1.5% +1.0%
    Beta 0.95 1.05
    Top Holdings Overlap 65% 70%
    Manager’s Years 7 years 3 years

    Fund A looks stronger—it has better returns for the risk, lower fees, and less price swings (lower beta). Plus, its manager has more experience, making it a solid choice.

    Tips for Indian Investors

    ●  If you’re investing monthly, focus on SIP returns, not one-time investment results. 
    ●  Don’t trust social media buzz or tips from influencers—they might not be reliable. 
    ●  Choose Direct Plans over Regular Plans to avoid extra fees. 
    ●  Pick a fund that fits your goals, like saving for retirement, education, or short-term needs.

    Mistakes to Avoid

    Steer clear of these common errors: 
    ●  Only Looking at Returns: Past gains don’t promise future wins. 
    ●  Ignoring Risk: High returns aren’t great if the fund’s too unpredictable. 
    ●  Forgetting Fees: A cheaper fund can beat a pricier one over time. 
    ●  Not Checking Holdings: Too much in one sector increases risk. 
    ●  Trusting Ratings Alone: Ratings change often, so dig deeper. 
    ●  Skipping Factsheets: These explain the fund’s strategy and changes. 
    ●  Ignoring Fund Size: Very large funds might struggle to keep outperforming.

    Steps to Compare Mutual Funds 
    Follow these steps for a clear comparison: 
    ●  Choose funds from the same type (e.g., large-cap equity). 
    ●  Use tools to check performance, fees, and risks. 
    ●  Compare measures side by side. 
    ●  Look at the fund’s investments for variety. 
    ●  Check the manager’s experience. 
    ●  Include all fees in your decision. 
    ●  Pick a fund that matches your goals, timeline, and risk comfort.

    Conclusion: Invest with Confidence

    The reason to compare mutual funds is to find the right fit for your financial goals, risk level, and investment timeline. By checking performance, fees, risks, and what’s inside the fund, you get a clear picture of your options. 
    Whether you’re investing through SIPs or a one-time amount, using these steps and tools helps you choose wisely. Take your time, use the resources available, and build a strong investment plan.

  • Ranveer Singh’s McDonald’s meal launches across North and East India

    Ranveer Singh’s McDonald’s meal launches across North and East India

    MUMBAI: Warning: This meal may cause spontaneous dancing. McDonald’s India – North and East has teamed up with hindi movie energy powerhouse Ranveer Singh to launch ‘The Ranveer Singh Meal’, a limited-time offering that’s equal parts flavour bomb and fan service.

    Joining global icons like BTS and Travis Scott, Singh becomes the first Indian celebrity to be part of McDonald’s global Famous Orders platform, bringing his go-to favourites to golden arches across North and East India.

    So, what’s on the Ranveer menu? Fans can choose between a McVeggie (Xplode) or McChicken (Xplode) amped up with a chilli-creamy ‘Xplode’ sauce and crispy golden onions, dialling up the drama on your everyday burger. It’s paired with the brand-new Golden Pop Fries, crispy potato pops that crunch and melt in a single bite, and the debut of Bobaaa Blast, a poppy boba pearl drink that’s part beverage, part party trick.

    The meal starts at Rs 249 for the vegetarian option and Rs 269 for non-veg, and is available from 13th June for a limited period across all McDonald’s outlets in North and East India including via the McDonald’s App, takeaway, drive-thru, Swiggy, and Zomato.

    A celebration of personal taste, pop culture, and playful nostalgia, this collab turns a meal into a mood and perhaps, a quick bop at the counter.

  • Adobe brings the AI thunder to Cannes with creative, campaign and customer orchestration tools

    Adobe brings the AI thunder to Cannes with creative, campaign and customer orchestration tools

    CANNES: Adobe is rewriting the playbook on customer experience with a bold tech salvo unveiled at leading advertising fest, the Cannes Lions. With a sharp focus on creativity-fuelled personalisation, Adobe’s latest updates promise to fuse generative AI, marketing tech and agentic intelligence into a potent cocktail for brands.

    Touted as the next leap from customer experience management, Adobe’s new suite under the banner of customer experience orchestration (CXO) aims to help brands deliver hyper-relevant content at scale across every consumer touchpoint. It’s a creative marketer’s dream: intuitive tools for orchestrating AI agents, conjuring short-form video ads, and even gaming the LLM algorithm to boost discoverability on AI browsers and chatbots.

    ““Delivering one-to-one personalization at scale demands a powerful fusion of creativity, marketing and AI,” said Adobe president digital experience business Anil Chakravarthy. “We are pioneering innovations through Adobe’s AI platform that enable teams to craft the most compelling and relevant customer experiences, helping businesses drive impact and seize this enormous opportunity.”

    Among the star tools:

    * GenStudio for Performance Marketing slashes campaign creation time with generative AI support for video, display, email, and more.

    * Firefly Services offers APIs for 3D images, avatars, and AI-powered video editing with drag-and-drop simplicity.

    * LLM Optimizer is Adobe’s answer to the AI content visibility race, giving marketers an edge in GenAI search results.

    Major brands—from Coca-Cola and Estée Lauder to Publicis and Prudential—are already plugged into Adobe’s AI stack, reporting sharper engagement, higher conversion, and serious time savings
    .
    Also live is the Adobe experience platform agent orchestrator, enabling brands to build and manage intelligent AI agents—like the new data insights agent and product support agent—taking the grunt work out of analytics and user support.

    As Cannes Lions toasts the creative elite, Adobe makes its case clear: in the era of AI-fuelled brand building, experience is everything—and the hotshop is betting big on orchestrating every pixel of it.