Unique Times February 2023

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Chief Mentor Mr. V.P. Nandakumar

Director & CEO

Editor

Legal Advisor

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Correspondents

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Ajit Ravi

Latha Anand

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Anusha Varghese

Ravi Saini

Athulya Pradip

Dr. Thomas Nechupadam

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Amrutha V Kumar

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“Women don’t need to find a voice, they have a voice, and they need to feel empowered to use it, and people need to be encouraged to listen.” –Meghan Markle.

More and more women are entering every sector and making an impact. Women are dismantling stereotypes and questioning established gender roles in fields ranging from politics and business to science and technology. Women are demonstrating that they have the abilities, expertise, and drive to excel at the top levels in professions that have historically been controlled by males, such as engineering, banking, business and law. In this edition cover story we will be coming across such a women who being a doctor is now the newly-appointed Executive Director of Manappuram Finance Limited, Dr Sumitha Nandan.

This month, Manappuram Finance Limited MD and CEO V P Nandakumar expresses his thoughts on 'Looking Ahead With Hope'.

Apart from the above said articles, the edition has all our usuals, from travel, beauty, movie reviews and book reviews to motivation tips and business articles.

“A room without books is like a body without a soul.” - Cicero

Enjoy Reading!

Cover Photograph Dr Sumitha Nandan Executive Director Manappuram Finance Ltd.

Apple Aims to Raise India Production Share to 25%: Minister

The commerce minister said at a conference on 23rd January that Apple Inc. wants India to account for up to 25% of its output, up from approximately 5%-7% at the moment as the iPhone maker continues to shift its manufacturing away from China. Piyush Goyal omitted a timeline for when Apple hopes to reach the objective. A request for comment from Apple was not immediately complied with. "Apple, another success story," Piyush Goyal said, pitching India as a competitive manufacturing destination. "They are already at about 5-7% of their manufacturing in India. If I am not mistaken, they are targeting to go up to 25% of their manufacturing. They launched the most recent models from India, manufactured in India." Since it started assembling iPhones there in Cupertino, California during 2017 through Wistron and then with Foxconn, Apple has made a significant investment in the nation in keeping with the push for domestic manufacturing made by the Indian government.

GoMechanic Founder Admits To Cooked Books, 70% Staff Sacked

Amit Bhasin, the co-founder of the automotive aftermarket service startup GoMechanic, admitted financial reporting errors on 18th January. As a result, a forensic audit was ordered and a business restructuring that will result in the layoffs of 70% of the company's 1,000 or so employees was implemented. It was discovered that GoMechanic manipulated its financial records by exaggerating revenues close to two years after it secured a massive $42 million in funding. Amit Bhasin claimed in a post on LinkedIn that founders "get carried away" in their pursuit of opportunities to develop. "Our passion to survive the intrinsic challenges of this sector, and manage capital, took the better of us and we made errors in judgment as we followed growth at all costs, including in regard to financial reporting, which we deeply regret," he wrote without giving details of the misreporting.

“If you’re not prepared to be wrong, you’ll never come up with anything original.”

Ken Robinson

India's First Green Bond Sale To Command 'Greenium': Report

According to two government officials, the Indian government has identified 400 billion rupees ($4.92 billion) in projects that may be supported with the revenues and expects to issue its first green bonds at a 'greenium,' with yields below current market rates. For the current fiscal year that ends on March 31, the government intends to raise 160 billion rupees through green bonds. The first tranche, worth 80 billion rupees, is slated for auction on 25th January. The money would go towards "green" initiatives that assist lower the carbon footprint of the economy, including solar, wind, and small hydropower projects. A green premium, or "greenium," on pricing is what the government anticipates will cause yields on sovereign bonds to drop 5–10 basis points (bps) as a result of the enthusiastic response and interest from both international and local investors.

Reducing Inflation Top Priority for South Asian Nations: RBI Governor

According to Reserve Bank of India (RBI) Governor Shaktikanta Das, bringing down inflation is the top concern for South Asian nations as dangers to the GDP and investment prospects could increase if pricing pressures linger at high levels. The head of the Indian central bank remarked that the Covid-19 outbreak and the crisis in Ukraine have exacerbated policy concerns in the area while speaking at a meeting of the International Monetary Fund (IMF). "While the recent softening of commodity prices and supply chain bottlenecks should help in lowering inflation going ahead, risks to growth and investment outlook may rise if inflation persists at high levels," Mr Das said. According to Mr Das, because of the region's high reliance on imported fossil fuels, food prices have risen by an average of more than 20% over the first three quarters of 2022.

“It’s not how far you fall, but how high you bounce that counts.”

Zig Ziglar

Tata Likely to Announce World's Largest Commercial Aircraft Deal in Weeks

Withinthe next few weeks, the Tata group is poised to finalise and announce what is anticipated to be the largest aviation deal in history, which will result in Air India receiving some of the newest and most technologically advanced commercial jetliners. Once the new planes start to arrive in considerable numbers, Air India, which now includes Vistara and Air Asia India, will probably have the youngest fleet in the entire world within a few years. The Tatas are close to concluding discussions with both Boeing and Airbus for a variety of long, medium, and short-medium range aircraft, according to information obtained by NDTV. The airline is anticipated to induct much more than a hundred aircraft, hence the contract size is likely to be in the billions of dollars.

Centre Expects 5-7 Countries to Sign Up for India Tech Stack by March

According to Union minister Rajeev Chandrasekhar, the government anticipates five to seven nations will sign up for the adoption of India-developed technology platforms like UPI and Aadhaar by March in order to accelerate digitisation. At the India Stack Developer Conference, the minister announced that the prime minister has chosen to make India's technological platforms available to other nations in order to speed up their digitalization. About 5-7 countries from around the world should sign up (for adopting platforms) by February or March, according to Chandrasekhar. As part of its duties as the G20 Presidency, the government intends to approach numerous nations with the technology stack (Aadhaar, UPI, Digi Locker, Co-Win, GeM, GSTN, etc.) and expects Indian entrepreneurs and system integrators to benefit from the effort.

“Work harder than you think you did yesterday.”

Alex Elle

Moscow Helsinki Group: Russia’s Oldest Human Rights Organisation Told to Close

The oldest human rights organisation in Russia has been told by a court to shut down. The Moscow Helsinki Group (MHG), which was established in 1976, publishes a yearly report on the state of human rights in Russia. The authorities have recently stated that it does not possess the proper registration. It is the most recent in a string of closures aimed at opposition and human rights organisations across Russia. The justice ministry sued to dissolve the organisation in December, claiming that it was only registered to protect human rights in Moscow and not elsewhere in the nation. The decision follows the filing of that complaint. Despite the MHG always working with a wider scope, this is the case.

Doja Cat Turns Heads in Red Body Paint and 30,000 Crystals at Schiaparelli’s Paris Show

Doja Cat, a pop diva, attracted attention in Paris when she walked in Schiaparelli’s Haute Couture presentation while decked out in 30,000 crystals and complete red body paint. It took her team five hours to finish the daring look, called Doja’s Inferno. Daniel Roseberry, the creative director of Schiaparelli, and Dame Pat McGrath, a British makeup artist, designed it. She called the finished product “a stunning, mesmerising masterwork of glittering brilliance” and credited Doja Cat with having “sublime patience.” Hand application of the Swarovski crystals was used. The singer wore a red silk bustier, a lavishly beaded tulip skirt, and a matching pair of red knee-high boots in addition to the body paint. In a behind-the-scenes time-lapse film, Dame Pat’s team can be seen painting the star’s skin and scattering hundreds of crystals.

Ed Sheeran Releases Tribute to Friend

Jamal Edwards on SBTV

Nearly a year after Jamal Edwards’ passing, Ed Sheeran released a song called F64 in his honour. It was made available on Edwards’ music service SBTV, where Sheeran first found success more than a decade ago. The video for the song was shot at Chelsea FC’s Stamford Bridge stadium because Edwards had been a lifetime supporter of the team. Brenda Edwards, the mother of the DJ and businesswoman, has also been advocating for greater CPR training in order to bring attention to her son’s passing. In February 2022, Jamal Edwards, age 31, passed away from a heart arrhythmia after using recreational drugs. Brenda Edwards said she was proud to continue on her son’s legacy and that he always helped people when speaking on BBC Radio 5Live on 19th January.

Snow Shortage Threatens Alps with Wet Winter Season

The Adelboden resort in Switzerland has been holding its breath as temperatures touched a record high of 20C on January 1st, the hottest recorded north of the Alps. The normal snowy slopes were actually dirt and grass, raising concerns about whether the Skiing World Cup which would take place the following weekend. It was warm even at 2,000 metres (6,500 feet), which is above freezing. In the end, it was decided to use the renowned Chuenisbärgli piste for the major slalom competitions. It required an army of snow cannons and a little drop in temperature at the top of the run to make it happen. However, they will be skiing on synthetic snow when the best male skiers in the world sprint across the finish line. The start of the ski season has been seriously hampered by the extremely warm and rainy weather across the Alps.

For more info: europetimes.co

Handling Business With Clinical Precision

Dr Sumitha Nandan, the newly-appointed Executive Director of Manappuram Finance, brings to the table oodles of energy and a fresh worldview

By Sujit Chandra Kumar

The task is to bring a certain cohesion so that it runs like a welloiled machine. One cannot achieve anything all by oneself but only through team building and the right kind of leadership. Success comes to those companies that manage to do things a little better than their competitors.

Dr Sumitha Nandan’s earliest memories about her growing-up years in Valapad revolve around her grandfather, the late Mr V.C. Padmanabhan. Says Dr Sumitha, the newly-appointed Executive Director of Manappuram Finance, which has its headquarters in Valapad: “I was his favourite grandchild, perhaps because I was the eldest. Whenever I took a fancy for something, I would run to him rather than my dad.”

The most poignant and painful of all the memories surrounds the passing away of her granddad who founded the Manappuram group of companies. “It was all so sudden. None of us among kids could figure out what was happening. We saw the ambulance arrive and all our favourite people in mourning. Then, I had to take leave from school for the ceremonies,” she reminisces.

The year was 1986 and Sumitha was then in the third standard. It was the same year when her dad Mr V.P. Nandakumar took over his father’s single-room business at Valapad. The rest, as they say, is corporate history. Says Dr Sumitha: “Manappuram has

always been dad’s first child. He eats, drinks and breathes Manappuram.”

In those days, life was a lot different in the sleepy hamlet tucked away in Thrissur, she observes. “On Sundays, we would go to the beach and have a running race for which dad would join too. We would then run from one part of the beach to another where a stream joins the ocean. On our way back on late evenings, we would meet all the members of our extended family. Dad is very emotionally connected to his extended family and our neighbours and so he would make us interact with all of them.”

After her seventh standard, she moved to Bangalore to join the Bishop Cotton Girl’s School. “Every time I returned, I would be struck by the greenery, the pristine village environs and the close connectivity of the people, as opposed to the city’s hustle and bustle,” she says. Today, Valapad has blossomed into a self-contained township thanks to the ‘Manappuram effect’, a far cry from the days when Dr Sumitha, her brothers and cousins would play in the open fields, pluck cashew fruits and have their mouth full of almonds.

After Bangalore, she moved to Kodaikanal for her Plus Two and then made the biggest career choice of her life when she joined the Sidhartha Medical College in Tumkur. “This may come as a surprise to many but medicine was not at all in my list of choices. I grew up watching my dad lead Manappuram from strength to strength and did not want to pursue any career other than business. But then, the prevailing trend was for parents to push their kids to do either medicine or engineering after the twelfth. My parents were no different and I had to go by their wish,” she says. “In fact, it was during my house surgency at the Jubilee Mission Medical College and Research Institute in Thrissur that I really became interested in the medical field and woke up to its myriad possibilities.” Subsequently, she worked at the Vijaya Hospital in Chennai for a year before enrolling for her postgraduation in gynecology at the Ramachandra Medical College in Chennai.

Meanwhile, she got married and moved to Kochi where she had stints with leading hospitals such as the Thrikkakkara Cooperative Hospital, the Indira Gandhi Cooperative Hospital and KIMS. But the desire to be an entrepreneur pulled her back and made her join Manappuram Fi-

nance as Senior Vice President first and then as Executive Assistant to MD & CEO. During her three-anda-half-year stint, she handled many key assignments including the one as the CEO of Online Gold Loan division. “It was a new concept then and I had a young team and we were able to make a lot of headway,” she recalls.

In 2018, she felt that she hadn’t done full justice to her training and talent as a medical professional. “I did miss my profession and I am someone who likes to listen to people’s problems and solve them,” says Dr Sumitha, who went back to being a doctor. Initially, she taught at the Amritha Institute of Medical Sciences in Kochi but was determined to do something unique and specialised in Cosmetic Gynecology, a new sub branch that was little-known in Kerala. “I practised it at the CIMAR hospital in Kochi and I am still the only one to handle this discipline in the state,” she says. “To give an example, for a problem like stress urinary incontinence, there was only the option of invasive surgery where you put a sling or a mesh. But if detected early, you can now tackle it with a couple of sittings of laser and I have over 95 per cent rate of success in this line of treatment. There are also solutions to many other

conditions which women hesitate to open up about.”

Life came full circle for Dr Sumitha when she rejoined Manappuram Finance as Executive Director in January this year. She has her task cut out as the head honcho of an NBFC with a network of 5,200 branches that crisscross the country and a workforce of 45,000 employees. She realises that the challenge is to take the company to the next level and she has no doubt that her exposure to other fields would be a distinct advantage. “Whether you are in the healthcare sector or finance sector, business is all about people management. When you are a doctor, you tend to be a little more compassionate and this would be a plus when it comes to managing people and managing change,” she says. “There is already a well-established system in place at Manappuram. The task is to bring a certain cohesion so that it runs like a well-oiled machine. One cannot achieve anything all by oneself but only through team building and the right kind of leadership. In my view, success comes to those companies that manage to do things a little better than their competitors.”

She goes on to add that without innovation and readiness to change, no business or industry can hope to

I grew up watching my dad lead Manappuram from strength to strength and did not want to pursue any career other than business.

V.P. Nandakumar, MD & CEO - Manappuram Finance Ltd

succeed. “Going digital is no longer an innovation but an absolute necessity. Post Covid, everything has become digital because people have tasted convenience. Shopping is the best example. Even in the medical field, people turned to online consultation in an industry that always believed in one-on-one consultation. But Covid has proved to be the biggest disruptor. Even people who were resistant to change were forced to embrace the online mode,” she says.

She cites the example of how in her previous stint at Manappuram, a lot of time and effort was spent on making the office go paperless. “We even hired a senior official to facilitate the process but it did not help much. But Covid ensured what humans couldn’t and the office is now paperless. Unless there is an adversity, people are not willing to imbibe change because change is always painful,” she explains.

Even as she maintains a hectic schedule at work, Dr Sumitha takes care to spend quality time with her two daughters, Anushka and Aashirya, whenever she can. “Ours is the only generation that had to listen to our parents as well as our kids,” jokes Dr Sumitha, who radiates an effervescent nature. “Today’s generation will not simply accept whatever you tell them but will have a million questions.

But I am fortunate to have kids who are very adjusting, perhaps because I have always been a working woman. My Sundays are mostly devoted to them. I feel it is important to have open conversations with your children. You need to be a friend and inspire confidence in them so that they share their joys as well as disappointments with you,” she says. “Yes, you have to monitor them but at the same time give them the space that they require. You have to allow them to have their privacy, the freedom to take their own decisions and the chance to fail and learn from mistakes.”

A trained Bharatnatyam dancer, Dr Sumitha unwinds by listening to melodies, enjoying classical art forms and watching videos on selfimprovement. Her day starts with an hour of chanting and meditation. “It is important to differentiate between religion and spirituality. While religion is restrictive, spirituality is liberating,” she signs off

Shri V.P.Nandakumar MD & CEO Manappuram Finance Ltd.

Looking Ahead With Hope

India’s financial sector comprising of both Scheduled Commercial Banks (SCBs) and Non-Banking Financial Companies (NBFCs) have shown remarkable resilience in weathering the pandemic-induced storm in the credit market and the spill-over effects stemming from the global financial aftershocks of jumbo rate hikes by major central banks to tame elevated inflation. Equal credit for such a happy tiding in the fortunes of the financial market should go to the tight-fisted regulation by the Reserve Bank of India (RBI) and the self-discipline being shown by the industry players who carefully avoided unwanted ebullience. More importantly, most players in the financial industry passed the stringent stress test done by the RBI, though some pockets of concerns still persist. While the apex bank kept an 'Arjuna' eye on the financial sector’s

lending practices and capital buffers, the industry on its part has left no stones unturned in its ongoing efforts to improve the asset quality and reducing sticky or non-performing assets (NPAs). Such an achievement is a rare feat indeed considering the macro-headwinds that have swept the financial firmament for the past two to three years; first by the Covid-19 pandemic and second by the pivot by major central banks to a tighter monetary policy leading to liquidity normalisation and higher interest rates.

The latest Financial Stability Report (FSR) published by the RBI lends enough credence to the remarkable resilience of the Indian financial sector. “The Indian financial sector has remained resilient building on the consolidation of the banking sector’s balance sheet, the ongoing reduction in bad loans and the buffering of risk absorbing capac-

ity. Macro stress tests indicate that all banks would meet the regulatory minimum capital requirements even in a severe stress scenario. Stress tests indicate that some non-banking financial companies may be vulnerable to liquidity shocks. Contagion risks and consequent additional solvency losses remain limited,” the report says.

“The combination of regulatory measures undertaken to cushion banks since the onset of the pandemic and banks’ own efforts in augmenting their capital base and reducing non-performing loans appear to have fortified their balance sheets. A fresh lending cycle underway since H2:2021-22 gained further traction during H1:2022-23 as credit growth reached double digits and became broad based across sectors. Banks have managed their exposure to large borrowers well, with granularisation of loan books and re-

The recently released Financial Stability Report (FSR) of the Reserve Bank of India (RBI) shows the resilience of the banking sector in general and NBFCs in particular.

duction in asset impairment,” the FSR goes on to add.

This assumes significance in the wake of RBI’s plan to introduce new loan provisioning based on the concept of Expected Credit Loss (ECL). Though still a work in progress, switching over to ECL based provisioning may require building additional risk buffers by some banks and non-banks. As things stand now, they may be able to do it without much trouble since capital markets remain buoyant.

Also, there is a steady improvement in the earning visibility and profitability of the industry at a systemic level which deserves special mention against the backdrop of rising interest rate scenario. “At the system level, the net interest margin (NIM) witnessed an improvement of 20 bps between September 2021 and September 2022, reflecting a faster rate of increase in loan rates vis-à-vis deposit rates in a rising interest rate scenario as well,” the report says. This means that the financial sector has managed rate transmission in both credit and deposit markets dexterously or in other words they are 'banking on rates' in an efficient manner.

It should also be mentioned that NBFCs, as a whole, were the largest net borrowers of funds from the financial system, with gross payables of Rs 13.22 lakh crore and gross receivables of Rs 1.93 lakh crore as at end-September 2022.

“Over half of their borrowings were from SCBs and this share remained stable during Q2:2022-23 as their reliance on funding from AMC-MFs continued to reduce. Instrument wise, the NBFC funding mix saw a marginal rise in LT loans and LT debt instruments whereas the share of CPs declined during Q2:202223”. This diversification of sources of funding is important for NBFCs to dial down their dependence on a single source for funds.

“Keeping pace with the underlying momentum of domestic economic activity, financial sector entities have engaged in active intermediation to support the demand for funds. Lending has moved to a higher trajectory and has become broad based. Capital positions re-

main strong. The asset quality of banks and NBFCs has improved further. Macro stress tests indicate that SCBs can withstand moderate to severe adverse macroeconomic circumstances without significant capital impairment,” the FSR says.

On the balance, domestic financial players have sailed through turbulent periods of pandemic, high inflation and elevated interest rates with remarkable resilience. And going by the findings of the RBI report, they will continue to improve their performance in terms of asset quality, earning visibility and profitability ratios going forward. Therefore, 2023 may well play out as a banner year for the financial sector though some pockets of concerns still remain

Rajesh Nair Associate Partner, Ernst & Young LLP

Observing our neighborhood and surroundings is a start. It helps us shift focus from big-picture questions to narrowing them down to our own realities. When we look around and identify the 'poor' and their activities, we get more ideas on what they require and what will make a difference.

Making Sustainability a Key Purpose of Business

In January, Unique Times conducted a seminal event discussing the CSR landscape in India, or Corporate Social Responsibility, which refers to the voluntary and philanthropic efforts made by companies to give back to society and have a positive impact on the environment and communities in which they operate. In India, CSR is mandated by law, with companies having to spend 2% of their net profits on CSR activities. These activities can include social entrepreneurship, promoting education, alleviating poverty, improving public health, protecting the environment, and promoting gender equality, among others. The implementation of CSR initiatives in India has seen a significant increase in recent years, with companies recognizing the importance of responsible business practices.

A decade ago ‘Social Business’ had been considered an oxymoron indicating that they are seemingly divergent economic paths. Several leading social entrepreneurs have

proved over the years that it is not true and that social businesses thrive when they are looked at as businesses and not philanthropy. Prof Mohammad Yunus, Nobel laureate 2006 for peace has been widely recognised as the father of the 'microcredit' business ecosystem he originally developed in Bangladesh under the aegis of the Grameen Bank and spread across the world. His fundamental tenet in the microcredit movement has been to ‘use business principles to solve social issues’. The compelling thought also is ‘social problems’ are not for ‘others’ to solve but for every individual to roll up their sleeves and do their bit. Prof Yunus spoke at the recent social business lecture series hosted by ESAF Bank and came out with several thought-provoking ideas.

An interesting sociological shift we see around us is the ever-growing divide between the 'haves and the have-nots'. While it seems so outside our remit to even think of anything beyond ourselves and the immediate circle of family or friends, it serves

well to remind ourselves that we are all elements in the large societal ecosystem we live in and are positively and negatively affected by the changes that are in motion around us. There are yet consolatory voices that say that 'but we are more connected to everyone right now', social media has brought us close than ever before. Well, the jury is fairly clear on this one – we are connected and perhaps more so than ever in the past but each of these connections remains the vestige of faceless calls and language texts on your smartphone. There are moments when we feel that we need to indulge more and do more and then we just move on to the next fire and into another moment of thoughts.

So this portends to a selfish society? Or a world that does not care for each other and is too inward-focused. It is definitely not that pessimistic! Intuitively, all of us know that it is important to help others, service to someone who requires help. The gaps are in the lack of avenues and opportunities for us to step out of

our personal cocoons – or at least that is what the consensus point to. So how does one go about it? The beginning is to focus not just on selfishness but also selflessness!

For starters, there are enough organizations that have been around for ages like the Rotary, Lions and much more affiliated international, national and regional associations. All of them have solid bylaws and structures which are here to garner the time and support of like-minded people and gather forces to do social good. The polio eradication under the aegis of Rotary International is a classic case of how anonymous people around the world battled a disease with gumption and dedication and killed it to

extinction. The charters of all these societies/clubs/forums are with the best intentions and with the verve to provide a platform for all likeminded people who can contribute to a large common good. What eventually happens, at times, is that these groups become more of an extended business or career networking platform and the basic ethos of the very idea of formation dissipates with time. Another cardinal mistake some of them make is to seek new members 'who are like them' – similar profiles, similar younger people – bringing in a diversity gap, which

becomes a deficient component to generate the best of good ideas.

An interesting idea is to involve students in social entrepreneurship projects in schools and colleges. Humans are wired to become entrepreneurs. Entrepreneurship is not just starting a venture but a way of thinking and a way of life. It is the constant quest to do better, to doggedly follow improvements and develop the keenness to make a difference. He regularly sees jobs being the end of creativity and people becoming just a 'pair of hands' doing things without thinking and

without the zest to make a difference. One gets worried when educated creative young people say that they can't find employment, when just opening your eyes can open you to a panorama of problems for you to solve and create a business out of. Prof Yunus says with a chuckle that we are fortunate that our forefathers did not wait to be given jobs but went about foraging, hunting and feeding themselves and their families.

Another very interesting concept proposed by him is the phases of life according to Prof Yunus,

we should meter our lives into two phases. The first phase is to create wealth and happiness for us and our dear ones and then to create wealth and happiness for others. He says making money will make you happy but helping someone to make money will make you super happy. We are biologically engineered to be selfish but we also need to be consciously selfless. That psyche will take us to a world of three zeros – Zero poverty, Zero unemployment, and Zero carbon Emission!

For a country that houses the largest population of 'poor' peo -

ple, we don't even understand the meaning of the word 'poor'… The lexicon defines poor – as 'the state of having little or no money, goods, or other means of support'. The focus of this article is on the necessity to indulge more and how this aspect of the economy needs to capture each Indian professional's mind space – at least a small niche. Corporations have created a proxy to rid themselves of this 'guilt' – CSR- Corporate social responsibility. The broad activities entail short-term measures of charity and some clearly lack the vision to create models of sustainable support. To mull further, we just need to remember the biblical parable of 'transitioning from giving fish to teaching fishing'. The action-oriented implementation steps needed to eradicate poverty is in itself presents 'rich economics' – wealth distribution channels, the psychology of savings, and the need for civil society to indulge more in building activities and initiatives brick by brick.

While a normative four-point plan is too ambitious a mandate, such a list tends to help us organize our thoughts and action

1. Observe around you Observing our neighborhood and surroundings is a start. It helps us shift focus from big-picture questions to narrowing them down to our own realities. When we look around and identify the 'poor' and their activities, we get more ideas on what they require and what will make a difference. It is often our mental makeup of 'what they want' that completely throws us off the direction. A good walk around your home with an inquisitive perusal and a perceptive mind can throw more inputs than intellectualizing at the policy drawing boards for years.

2. Analyzing what we ob-

Analysis entails asking several questions we have observed – What do they do? What do they buy? What do they do about their health and the health of their children? What are the choices they make? Do they think about tomorrow? Are they organized? Do they take decisions? What are government organizations doing? What is the real help they require – livelihoods, healthcare, education? What will sustain on a long-term basis? The intention is not to get everything correct and build a blueprint or a road map. The success of each action is much more short-term. A few actions and the commitment to follow through is the only thing which is needed. There are NGOs and government initiatives which are ever searching for volunteers – helpful hands and kind minds, who are ready to spare a small fraction of their time.

3. Associating with organized sectors like Microcredit

It is ultimately about knowing the lives and choices of the poor that tell us how to fight poverty globally and locally. One of the sectors which work hands-on in this area is Microfinance. It may not be the miracle or the magic bullet to the various issues – but the sector has hands-on experience on the various issues we need answers for. It has been revealed that small financial loans to self-help groups (SHG) are more effective than token subsidies. There is established evidence of improvement in hygiene, education, trade and self-employment in communities where SHGs are in action. There is ample opportunity to make money by doing well.

Success in these initiatives isn’t always far away as it seems and beyond the horizon. It is there waiting for your first step

Miss Queen of India 2023:

Pegasus Guides the Young Talents to the Fascinating World of Beauty

Pageants can provide women with opportunities for personal growth and development, as well as a platform to showcase their talents and skills. Pageants have a strong focus on providing participants with the opportunity to develop their skills and gain new experiences. This can provide them a chance to gain recognition, as well as build confidence and experience the thrill of performing in front of a live audience.

In 2011, Pegasus Global Pvt Ltd conducted the first Miss Queen of India for young talents around the nation. On 16th January 2023 Samruddi V Shetty from Karnataka was crowned as Manappuram DQUE Miss Queen of India 2023 along with Debasmita from Rajasthan as first runner-up and Meurel Viegas from Goa as second runner-up. Additionally, contestants won a significant number of regional titles and subtitles.

The winner was crowned by former Miss Queen of India Ankita Kharat. Pegasus Chairman, Dr Ajit

Ravi and Principal Commissioner Ministry of Finance New Delhi, Sreeram Bharat crowned the first and second runner-up winners. 15 contestants selected from applicants across the country lined the ramp for the Miss Queen of India pageant. The competition progressed in three rounds namely Royal Blue Indian Ethnic Wear, White Cocktail and Golden Gown.

The Miss Queen of India 2023 title winner earned a DQUE gift prize of Rs. 1,00,000, and the first

and second runners-up each received gift prizes of Rs. 60,000 and Rs. 40,000 respectively. Miss Queen of India is a pathway to countable international pageants including Miss Asia, Miss Asia Global and Miss Glam World.

Shiju A R(Actor and Model), Archana Ravi (Model and Actress), Ankita Kharat (Model and former Miss Queen of India, 2016) and Dr Asha Biju (Cosmetologist) were the judges of Miss Queen of India. The winners of the subtitles were select-

ed by a panel of eminent persons. The winners of Miss Queen of India were presented with a gold crown designed by Parakkat Jewelers.

Pageants that celebrate diversity and inclusivity can help women feel valued and represented, regardless of their background or physical appearance. These pageants can aid in overcoming negative gender stereotypes and establishing a more empowered image of women by encouraging a positive and inclusive representation of women

Mrs South India 2023: Pegasus Strives to Bring Forward Married Women

Pageants are always a platform to recognize the achievements and beauty of married women and to promote family values and a positive image of marriage. They also give an

opportunity for women to showcase their talents, intelligence, and grace, and to participate in a community of like-minded women. In recent years, there has been a growing trend towards inclusive pageants that cele-

brate diversity and break traditional beauty standards.

Pegasus Global Pvt Ltd one of the renowned event production companies kicked off their first-ever beauty pageant for married women,

Mrs South India in the year 2017. On 16th January at Le Meridien, Kochi Pegasus successfully conducted Mrs South India in which Merin John from Kerala was crowned as the Unique Times and DQUE Mrs South India 2023 along with Vaishali S from Tamilnadu as first runner-up and Shalu Raj from Tamil Nadu as second runner-up. Apart from this Priyadarsini Deepak from Kerala was crowned as Mrs South India Classic 2023. Pegasus Global Pvt Ltd MD, Jebitha Ajit, Pegasus Chairman, Dr Ajit Ravi and Principal commissioner ministry of Finance New Delhi, Sreeram Bharath crowned the winners of Mrs South India.

Apart from this, contestants also won countable regional titles and sub-titles. 14 contestants participated in Mrs South India pageant and have competed in two rounds.

Srini (International Director, Naturals), Jaya Mahesh (Mrs India Earth Classic 2016), Kripa Dharmaraj (Model and Second Runner Up of Mrs Glam World 2022) and Regi Bhaskar (Fashion Photographer) judged the Mrs South India pageant.

Pageant winners earned a DQUE gift worth Rs. 1,00,000, and the first and second runnersup each received gift prizes of Rs. 60,000 and Rs.

40,000 respectively. These pageants serve as a springboard for many highly sought-after national and worldwide beauty pageants without any registration.

Women who participate in pageants can use the platform to raise awareness about important issues, advocate for causes they believe in, and make a positive impact on their communities. This has allowed for a more diverse representation of beauty and has helped to break down traditional stereotypes. While pageants have faced criticism in the past, they have also provided a platform for women to shine, pursue their goals, and make a positive impact in the world. By embracing diversity and focusing on inner beauty and personal development, pageants can be a source of empowerment for women

Entrepreneurs Met Up to See the Bigger Picture in CSR Activities

Business summits are a valuable resource for entrepreneurs, executives, and industry professionals who are looking to network, learn and grow. They offer a unique platform for sharing knowledge and insights, as well as for building relationships with other professionals in their industry.

After conquering the world of entertainment and modelling industries for the past two decades, Pegasus Global Pvt Ltd organised their first-ever Business Summit. The summit which was named under their magazine, Unique Times Business Summit was blessed with the presence of numerous prominent businessmen, experts, entrepreneurs, and investors from all over the state for discussing on the topic 'CSR Activities and it's Utilization'.

The summit was moderated by M P Joseph IAS. V P Nandakumar, MD and CEO Manappuram Finance Ltd, Dr A V Anoop, managing director of AVA Group of companies, Dr Varghese Kurian, Group Chairman of VKL Holdings and Al Namal

Group, Sreeram Bharath, Principal commissioner ministry of Finance New Delhi, Gokulam Gopal, Owner, Sree Gokulam Group of Companies, Rajesh Nair, Associate Partner, Ernst & Young LLP, C K Kumaravel, CEO, Naturals Salon & Spa, Deepak L Aswani, Managing Director, Aswani Lachmandas Group and many more prominent personalities graced the event.

Along with this Pegasus also conducted the logo-launching ceremony of the Federal International Chamber Forum which is an elite club for Multibillionaire businessmen and philanthropists from around the world. Every year 1 member will be admitted to this forum who is also the winner of

the prestigious MBA Award. Due to the fact that it will be an exclusive group for Awardees, the forum will serve as a meeting place for these outstanding business minds and their ideas, which may subsequently be implemented for the good of society. Mr P Rajeev presently the Kerala government's Minister for Industries, Law, and Coir launched the logo.

The main objective of these events is to provide a platform for attendees to network, learn from experts in their field, and gain new insights and knowledge about the latest trends and developments in business. This can help you establish new business connections, find potential partners, and learn from others' experiences

Dr Arun Oommen MBBS, MS (Gen Surg), MCh (Neurosurgery), MRCSEd,MBA Senior Consultant Neurosurgeon VPS Lakeshore Hospital

Sleep deprivation is one of the risk factors for obesity. It increases the production of the stress hormone cortisol. Lack of sleep lowers the level of a hormone called leptin, which tells our brain that we had enough to eat, and raises levels of a biochemical called ghrelin, which is an appetite stimulant.

Proper Sleep Is A Great Healer

Sleep is essential as much as you need to breathe and eat. While you’re sleeping, your body is busy tending to your physical and mental health and getting you ready for another day. Sleep deprivation is dangerous to our mental and physical health and can dramatically lower our quality of life. The quality of your sleep directly affects the quality of your awake life, including your mental sharpness, productivity, emotional balance, creativity, physical vitality, and even your weight. No other activity delivers so many benefits with so little effort! Even minimal sleep loss takes a toll on your mood, energy, and ability to handle stress.

The average sleep required for adults between 18-64 years is 7-9

hours (as per the national sleep foundation). But the average adult sleeps less than seven hours per night. In today’s fast-paced and competitive society, six or six and a half hours of sleep may sound pretty good. In reality, it's chronic sleep deprivation.

Sleep Deprivation Can Lead to Serious Health Problems

like

• Heart diseases

• High blood pressure

• Stroke

• Diabetes

• Migraine

• Low immunity

• Cognitive impairment

• Behavioral abnormalities

• Overweight

Lack of sleep can double the

risk of death, especially from cardiovascular diseases. In children and adolescents, hormones that promote growth are released during sleep which helps build muscle mass and repairs cells and tissues. Sleep is vital to development during puberty.

Central Nervous System

Sleep is necessary to keep the CNS functioning properly. During sleep, the brain rests on busy neurons and forms new pathways so that it can start new functions in the morning. Sleep deprivation leaves the brain exhausted, producing sleepiness. It interferes with our ability to concentrate and learn new things. It negatively impacts both short-term and long-term memory. It gets in the way of our decisionmaking process and stifles creativ-

NH-47, Bypass, Maradu, Nettoor PO, Kochi 682040, India.

ity. Our emotions are also affected, making us more likely to have short tempers and mood swings. If sleep deprivation continues long enough, it increased the risk of hallucinations, mania, impulsive behavior, depression, paranoia, and suicidal thoughts.

A side effect of sleep deprivation is micro sleep where we sleep for only a few seconds or a few minutes, but we don’t realize it. Microsleep can get out of our control and can be extremely dangerous if we are driving.

Brain events called “sharp wave ripples” are responsible for consolidating memory. The ripples also transfer learned information from the hippocampus to the neocortex of the brain, where long-term memo-

ries are stored. Sharp wave ripples occur mostly during the deepest levels of sleep.

Immune System

During sleep, our immune system produces protective cytokines and infection-fighting antibodies and cells. These cytokines and other protective substances give the immune system more energy to defend against illness. Long-term sleep deprivation raises our risk of developing chronic illnesses like diabetes and cardiovascular diseases and can prolong the time to recover from many illnesses.

Respiratory System

Sleep deprivation can weaken our immune system, hence we are more vulnerable to respiratory problems like the common cold and in-

fluenza. Moreover, good sleep can help cure respiratory problems. For men with obstructive sleep apnea secreted abnormally low levels of testosterone during the night.

Digestive System

Sleep deprivation is one of the risk factors for obesity. It increases the production of the stress hormone cortisol. Lack of sleep lowers the level of a hormone called leptin, which tells our brain that we had enough to eat, and raises levels of a biochemical called ghrelin, which is an appetite stimulant. Sleep deprivation prompts your body to release higher levels of insulin promoting fat storage and increasing your risk of developing type 2 diabetes. It stimulates cravings for high-fat, high-carbohydrate foods.

Sleep is necessary to keep the CNS functioning properly. During sleep, the brain rests on busy neurons and forms new pathways so that it can start new functions in the morning.

Cardiovascular System

Sleep plays a vital role in our body’s ability to heal and repair the blood vessels and heart. Thus deprival increases the risk of high blood pressure, heart disease, and stroke. Inadequate sleep accelerates aging

By releasing more of the stress hormone cortisol, it can break down skin collagen, the protein that keeps skin smooth and elastic. Most people have experienced sallow skin and puffy eyes after a few nights of missed sleep. But it turns out that chronic sleep loss can lead to lackluster skin, fine lines, and dark circles under the eyes.

Lack of Sleep Kills Sex Drive

Sleep specialists say that sleepdeprived men and women report lower libidos and less interest in sex. Depleted energy, sleepiness, and increased tension may be largely to blame.

Sleeplessness causes depression

The most common sleep disorder, insomnia, has the strongest link to depression. In fact, insomnia is often one of the first symptoms of depression

Myths regarding sleep

Myth 1: Getting just one hour less sleep per night won’t affect your daytime functioning

Myth 2: Your body adjusts quickly to different sleep schedules

Myth 3: Extra sleep at night can cure you of problems with excessive daytime fatigue

Myth 4: You can make up for lost sleep during the week by sleeping more on the weekends.

Myth 5: More intelligent people sleep less.

The sleep cycle

The stages of REM and nonREM sleep form a complete sleep cycle. Each cycle typically lasts about 90 minutes and repeats four to six times over the course of a night. Deep sleep (Stage N3) and

REM sleep are particularly important.

Our 24-hour sleep-wake cycle, otherwise known as your biological clock or circadian rhythm, is regulated by processes in the brain that respond to how long we have been awake and the changes between light and dark. At night, our body responds to the loss of daylight by producing melatonin, a hormone that makes you sleepy. During the day, sunlight triggers the brain to inhibit melatonin production so we feel awake and alert.

Our internal clock can be disrupted by factors such as nightshift work, traveling across time zones, or irregular sleeping patterns—leaving us feeling groggy, disoriented, and sleepy at inconvenient times. The production of melatonin can also be thrown off when we are deprived of sunlight during the day or exposed to too much artificial light at night— especially the light from electronic devices, including TVs, computers, tablets, and mobile phones. Seven tips to improve sleep

1. Stick to a sleep schedule.

2. Don't go to bed either hungry or stuffed. Nicotine, caffeine and alcohol should be taken with caution. Take only adequate water before sleep.

3. Create a bedtime ritual like taking a warm bath or shower, reading a book, or listening to soothing music — preferably with the lights dimmed. Relaxing activities like alpha meditation are useful.

4. Create a room that's ideal for sleeping. Often, this means cool, dark and quiet. The mattress and pillow can contribute to better sleep

5. Limit daytime naps. If you choose to nap during the day, limit yourself to about 10 to 30 minutes and make it during the mid-afternoon.

6. Regular physical activity can promote better sleep

7. Consider healthy ways to manage stress

Adv Sherry Samuel Oommen: This article is authored by Adv Sherry Samuel Oommen. Adv Oommen, who specializes in constitution, tax and corporate laws has also cleared the final exams of the Institute of Chartered Accountants of India, the Institute of Cost Accountants of India and the Institute of Company Secretaries of India. He has also completed his Masters Degree in Commerce, apart from obtaining a Post Graduate Diploma in Business and Corporate Laws from Symbiosis Pune. The views expressly are personal and should not be construed as a legal opinion.sherryoommen@nashcp.com.

Union Budget 2023Impact On Individuals

1. An Introduction The Union Finance Minister in her speech whilst presenting the Union Budget 2023 constantly referred to the phrase “Amrit Kaal”, a term that was first used by the Hon’ble Prime Minister in 2021 during the 75th Independence Day Celebrations. For the unversed, the term “Amrit Kaal” originates from Vedic astrology and is known as the critical time when the gates of greater

pleasure open for the inhuman, angels, and human beings. To start any new work, Amrit Kaal is considered the most auspicious time.

In this article, I intend to delve into some of the key personnel tax-related changes that have been proposed in the Union Budget 2023. I would leave it to the reader to determine whether the changes are a reflection of the “Amrit Kaal” or the “Rahu Kaal”.

2. Key changes

2.1 Increase in basic exemption limit

The basic exemption limit has been increased from INR 250,000 to INR 300,000 under Section 115BAC of the Income-tax Act, 1961 (“the Act”), which governs the new tax regime. The new tax regime does not grant by deductions whilst boasting of lower tax rates. The proposed slab rates in the new tax regime are as follows:

Viewed in the above context, one would also need to consider the rates applicable under the old tax regime in order to separate the trees from the wood. For ease of reference, a comparative chart has been provided below:

in order to optimise his tax outflows. To illustrate, in the case of an individual having a total income in excess of INR 15 Lakhs, an individual would benefit under the new tax regime if the available deductions (other than the standard deduction) are less than INR 375,000.

2.2 Increase in the limit of rebate under Section 87A of the Act

As evident, in terms of tax slab rates, the new regime under Section 115BAC appears to be more favourable. However, the crucial factor of non-availability of various specified deductions like Sec-

tions 80C, 80CCC, 80CCD, 80D, 80TA/24(b), etc. in the new regime, is also required to be considered and taken into account. This would ensure in a taxpayer making a wellinformed and pragmatic decision,

The rebate eligible under section 87A of the Act has been increased from INR 500,000 to INR 700,000 in the new tax regime. Consequently, individuals having a total income of upto INR 700,000 will not be required to pay any income tax. However, it may be noted that the said rebate will NOT be available if the total income exceeds INR 700,000, even by one rupee. The new tax regime now also provides a deduction under Section 16 of the Act towards standard deduction and a deduction in respect of family pension under

Section 57 of the Act.

2.3 Presumptive taxation –Increase in limits

As for the presumptive income scheme for small professionals and small businesses, the Finance Bill 2023 proposes to amend the provision laying down the presumptive income scheme to provide that as

against the present limit of Rs. 50 Lakhs, the limit of gross receipts up to Rs. 75 Lakhs would be applicable. Similarly for small businesses, the threshold limit has been increased from INR 2 crores to INR 3 crores. This change is indeed welcome and would provide succour to professionals and small businesses.

2.4 Measures to reduce litigation, speedy justice and aid to MSME

The Union Budget 2023 has proposed a new avatar of Vivad Se Vishwas, which would provide succour to MSMEs. In this regard, the Budget proposes that 95 percent of the amount forfeited during the cov-

In terms of tax slab rates, the new regime under Section 115BAC appears to be more favourable. However, the crucial factor of non-availability of various specified deductions like Sections 80C, 80CCC, 80CCD, 80D, 80TA/24(b), etc. in the new regime, is also required to be considered and taken into account.

id period whilst executing contracts with the Government would be returned to MSMEs. The Government has also sought to introduce a voluntary settlement scheme for easier and faster settlement of contractual disputes with Government and Governmental undertakings.

Further, in order to provide timely payment to MSMEs, the Government has introduced a provision whereby a deduction in respect of any sum payable to a micro and small enterprise shall be allowed as a deduction only on actual payment. It may be pertinent to note that a “micro enterprise” has been defined in the Micro, Small and Medium Enterprises Development Act, 2006 to mean an enterprise where the investment in plant and machinery does not exceed INR 1 crore and the turnover does not exceed INR 5 crore. Further, an enterprise would qualify as a “small enterprise” if the investment in plant and machinery does not exceed INR 10 crore and the turnover does not exceed INR 50 crore.

Further, in order to expedite the process of disposal of appeals, the Government proposes to deploy around 100 Joint Commissioners for disposing of small appeals. This would hopefully reduce the load and the pendency of appeals before the Commissioner (Appeals).

3. Conclusion

Union Budget 2023 in my view is a mixed bag. One would hope that the Government executes its proposals and the results are strictly monitored. For instance, the Government as part of its initiative of ensuring the effective administration of justice has now unveiled Phase III of the E-Courts Project with a planned outlay of INR 7,000 crores. One would hope that every rupee spent on this score is strictly monitored and a social audit was undertaken to check the efficacy of the outlay. At the end, the money belongs to the citizen, which should be utilized for his welfare and not a chosen few.

Under the convention, it deserves to be noted that the right to tax income from immoveable property is given to the state of source. This is on account of the fact that there is a very close economic connection between the source of income and the state of source. It deserves mention that the situs, i.e., where the immovable property is situated takes precedence over any of the rules governing Permanent Establishment. The UN Model follows a similar view akin to the OECD Model. Under the US Model Convention, Article 6(5), a resident has an option by election to be taxed on a net basis, as in case of permanent establish-

ment on income from real property situated in other State.

It would also be relevant to note that income from agriculture and forestry is also taxed as income from immoveable property. The term income agriculture and forestry include not only income that an enterprise engaged in agriculture or forestry activities derives from selling its agricultural produce but also income that is integral to carry out of agriculture or forestry activities – for instance, income from permits associated with rights integral to carrying out of agriculture or forestry activities.

The OECD Model Convention states that the right to tax of the State of source has a priority as contained in Article 6. Consequently, income indirectly derived from immoveable property would also fall within the confines of Article 6. The convention states that where the said income is part of a permanent establishment, the same would be taxed as income of the concerned business enterprise.

The above-principles would be a useful tool in determining whether an NRI, for instance a person who is gainfully employed in the UK, would be liable to tax in the UK on the rental income that he earns in India or the gains that accrues to him as a result of alienation of an immoveable property

Merin John Proves That Married

Women Can Too Walk The Ramp and Win

Marriage is not a barrier to participate in pageants. Many pageants welcome married women as contestants and provide them with the opportunity to showcase their beauty, talent, and achievements, providing them with a platform to showcase their individuality and to make a positive impact in their communities. Married women can participate in pageants that specifically cater to them. In addition to physical beauty, these pageants also place a strong emphasis on the character, personality, and achievements of the contestants. By participating in these pageants, married women have the opportunity to gain confidence, make new friends, and develop new skills.

Merin John, the title winner of Mrs South India even after being a married working woman overcame all the obstacles and followed her dream to achieve her goals. Let's know more about her win and future plans.

Many people think pageantry is just about style and makeup. What’s your take on this?

Pageantry is about more than just style and makeup. Beauty pageants have certainly changed a lot over years. Physical appearance and grooming are some of the important aspects of the competition. A beauty queen is crowned based on various aspects including personality, confidence, talent, intelligence, and many more. Pageantry not only helps to showcase the abilities and personalities of the contestants, but it also promotes self-confidence and personal growth.

How do you handle the fame that has come after becoming the title winner of Mrs South India?

Being in the limelight is always a dream for many. However, we should

not forget who we are. We need to stay grounded. It's important to remember that the title is something that we achieved but it should not change one's core values. Physical and mental self-care is essential to handle the stress and demands of the title. So, we need to maintain a healthy lifestyle. I should prepare myself to absorb judgment and criticism. Speak and act responsibly. Do good for the community or society whenever I get a chance, learn from my mistakes, continue to grow, and make everyone proud again. Who is your role model and why?

There are a lot of inspiring people around us. My mum and dad are my biggest inspiration. I believe that patience in me is an inherited trait from my mother. Her unconditional love, patience, and multitasking are important qualities that I always admire. And my dad for his willpower and hard work. What I or my family is today is all because of him. When it comes to such qualities or characters, I always look up to them. However, I do admire a lot of other personalities too for what they are and what they do. And I always try to maintain my individuality by being unique. I don’t like to copy others, but I do respect and appreciate others for their unique qualities too. I try every day to be a better version of myself so that I can be an inspiration to others. Explain the biggest obstacle you have faced in your pageant career so far. How did you overcome it?

In my opinion, most limitations and obstacles are self-imposed. I always dreamt of winning a crown, but I was always skeptical about it. Self-doubt and lack of confidence can always be the main reasons. Another important factor is the lack of awareness and support from our family or loved ones. We are answerable for a lot of queries for which we don’t have clarity. People have a lot of negative notions about the pageant or any such entertainment field. There are mainly negatives that stand out more than positive things. These can negatively affect us leaving us blank and not letting us take a decision. After my marriage, I discussed the same with my husband, Nikhil who stood like a pillar with me to chase my dreams. His motivation and encouragement gave wings to my dreams and boosted my confidence to go ahead and participate in beauty contests. I also started to explore more about pageants and approached people who had already been a part of it, and it made me realize that if others can do it then even I can. During my first pageant, my entire family was happy to see me competing for the crown with many potential women.

What advice would you give to aspiring models?

Finding a reliable modeling agency will undoubtedly increase your chances of success in this competi-

tive industry. Try to maintain discipline in your modeling career by keeping up a healthy lifestyle and taking care of your personality. Try to balance your professional and personal life. Networking is another important aspect of the industry so connect with professional photographers, agents, etc., to build your profession or passion. Avoid taking rejection personally and see it as a chance to learn and develop. Be mentally prepared for a lot of rejection and do not take it personally instead use it as an opportunity to grow and improve. Confidence is a vital factor that you need to have in the modeling industry which will help you to overcome any obstacles you may face. So be unique and embrace your individuality which will make you stand out from the crowd. Above all, maintain your physical and mental health which is highly essential no matter where you go or what you do.

NASA just had their first all-women spacewalk. What does this mean for women in STEM?

The first all-women spacewalk by NASA is an important milestone for women in STEM. This great achievement showcases the capabilities of women, and this will

be an inspiration for future generations of women who aspire to pursue careers in STEM. By doing this, NASA is breaking down the barriers and promoting gender equality in these fields. I would consider this as a positive step forward for women in STEM and serves as a powerful reminder of the importance of promoting diversity and equality in these fields. It will also set an example for various other organizations and industries demonstrating the benefits of encouraging inclusivity and diversity in the workplace. Do you believe contestants should be coached for pageantry?

It is a matter of personal choice and depends on several factors, such as the goals and motivations of the contestant, the type of pageant, and the resources available. Some contestants may prefer to hire a coach for guidance on various aspects of the competition, such as interview skills, public speaking, and stage presence, as well as for support and encouragement throughout the process. The choice of whether or not to receive coaching is ultimately a personal one that should be based on what will best enable the contestant to achieve their objectives and feel confident and prepared on stage. If you are confident and believe that you can do it all by yourself then you need not depend on a coach however if someone feels like having guidance will help them, they can go for it. When you get into international,

or any level of pageants competition would be high so you should be prepared enough to compete and stand out from the rest of the contestants to win the title.

What are your future plans?

If God willing, I will be competing for the upcoming levels and working hard to achieve my goals. I love modeling, acting, and dancing so I will keep trying to get into these fields and mark my presence there. And not just my development, I would want to empower and inspire a lot of high-potential women who face an obstacle to come out and showcase their talent. I will be approachable to such people who would require a helping hand at any stage. What have you learnt from pageantry and do express your experience with Pegasus?

Honestly, I had a lot of learning from it. Pageantry helps you to boost your confidence and self-esteem. We will understand the importance of punctuality, discipline, and mental and physical health. I met a lot of people from different places with unique mindsets and experiences and some of them tend to become our close friends. We need to be well prepared no matter what because there can be always others who are more prepared than us. So, the competition is always high. We will learn more about sharing and caring. Need to maintain calm and work under pressure. We need to be

more focused on our goal and nothing should divert our mind and even if it does, we need to have control over our mind. Prepare your mind and body to accept the results whatever they may be. What we expect might not happen all the time. Luck does play an important role most of the time. So do your best and leave the rest to God.

This is my second pageant experience with Pegasus. It was a good experience being a part of the Pegasus family. I am happy to have started my pageant career with Pegasus. Their professionalism and transparency are commendable. As a responsible organization, they do abide by the rules and regulations and intimate the contestants with every minute of information. They are very much approachable especially, Jebitha madam, Ajit sir, groomers, and the entire crew. I would like to thank Pegasus for organizing such events which give an opportunity to all married women to showcase their talent. We all felt like a family. How did you prepare for this pageant?

Being a married working woman, I do have a lot of responsibilities, and managing my professional and personal life itself is a huge task. So, carrying my passion also along with my other responsibilities is challenging. To be honest, I could not prepare much for Mrs South India. My plan kept prolonging and when the event was getting closer, I got tensed and even was skeptical if I would be

Finding a reliable modeling agency will undoubtedly increase your chances of success in this competitive industry. Try to maintain discipline in your modeling career by keeping up a healthy lifestyle and taking care of your personality.

able to go for it. Not just the preparation, I had to even run around a lot to finalize and stitch my garments and accessories. So yeah, it was a lot of tasks towards the end, but my husband did motivate me, and the online and offline grooming sessions helped me to stay focused on my goal. Last-minute preparations have always helped me, and I had put in a lot of effort towards the end to focus on my introduction, walk, effective speaking, judge’s interaction, etc. I tried to calm my mind by praying and visualizing the positive things that can happen which eventually led me to win the title of Mrs. South India 2023. However, I don’t support only last-minute preparation, I would always suggest others come well prepared if you are planning to compete for a title and last-minute preparation is like an add-on

Rajiv Ambat Lifestyle Disorders Coach & Founder - NuvoVivo

About NuvoVivo (www.nuvovivo.com) Rajiv Ambat is the CEO of NuvoVivo, an online health & fitness company that is into medical fitness. He is a well-known speaker and author of the best-selling book - ‘The Midriff Crisis’ and lifestyle expert. Under the guidance of Mr Rajiv, his team at NuvoVivo help their clients manage/reverse lifestyle diseases like diabetes, cholesterol, fatty liver, uric acid, hypertension, PCOS, thyroid disorders, etc.

Stop dieting It doesn't work!

Think of 'weight loss' or 'becoming healthy', I bet the first thing that came to your mind is - 'A diet plan'! However, almost always, a diet plan fails!

In fact, a study published in the New England Journal of Medicine found that after two years, the majority of dieters had regained the weight they had lost. So, why do diet plans fail to produce lasting results? How can one achieve long-lasting results when it comes to weight loss, health, fitness & well-being?

Diet plans often rely on willpower and self-control to stick to

the plan. However, willpower is a finite resource and can easily be depleted by stress, fatigue, and other life demands. Also, they do not address the underlying psychological and emotional factors that contribute to overeating and weight gain. Many people turn to food as a coping mechanism for stress, boredom, or other emotional issues. A diet plan that only focuses on the physical aspect of weight loss will not address these underlying emotional issues and may not be successful in the long-term

Let's start by analysing the feeling invoked by the word 'diet'. A diet

is restrictive; it is like a punishment, you can't have your favourite foodyou basically don't have a social life! This is why I prefer the word 'nutrition' instead of 'diet'

'Nutrition' has a positive connotation to it! It is about nourishing the body, it is about feeling good and better. Such a regimen would also fit into what I call - 'The 3S of Lifestyle Change'

The 3S of Lifestyle Change

Any lifestyle change that you embrace will not be successful unless it fits into 'The 3 S' framework. They are -

• Sustainable

Nutrition & Exercises are 'science'. Unless the lifestyle change does not hold a scientific temper, there is a very high chance that it will do more harm than good in the longer run.

• Sensible

• Scientific

S1 - Sustainable

What is the point in being on a diet and not able to eat a piece of cake, on your loved one's birthday!? One should learn to have occasional indulgences and yet progress towards their health goals. Such a lifestyle plan has a significantly higher chance of long-term success

There is no point living every day for a tomorrow, and never ever living a today!

But sustainability is a lot more than just about occasional binge eating or enjoying a social life. Let me explain that with an example - let's suppose, we ask you to have 4 slices of bread and a whole egg, as an egg sandwich for your breakfast. For how many days can you have such an egg

sandwich for breakfast? (even if it is your favourite food) For sure, you will get bored after a week. But, what if I tell you that you may replace 1 whole egg with 25 gms of panner or 1 cheese slice, and 4 bread with 3 phulkas? Your options are now - egg sandwich, panner sandwich, vegetable sandwich, phulka and egg curry/ panner curry and so on!

Is the protein quality (and quan-

tity) exactly the same between an egg and paneer? Similarly, is the carb quality the same between bread and a phulka? It is not! But then, worrying about such smaller things becomes analysis paralysis in the larger scheme of things. As long as you include ample vegetables (fibre, vitamins and minerals) and adequate protein, and also bring in variety in these choices, you need not worry about such smaller details. This is how you make your nutrition plan sustainable. For sure, you will not feel this restrictive, or boring anymore.

S2 - Sensible

Truth be told - 95% of the food

cannot be classified as good or bad. Whether it is good or bad depends on many other factors such ashow much of it you consume, what else you eat along with it, medical conditions, frequency, and a lot more.

We are quick to label brown bread to be healthier than white bread. But remember, white bread with paneer as a sandwich and vegetables by the side is healthier than brown bread with maple syrup/jam. Similarly, I'd rather have white rice with adequate sabzi (leafy and fibrous veggies) and protein (lentils, pulses, lean meat) for lunch, than brown rice with some pickle.

For many of us, the 80-20 rule holds true in our food choices. the 20% changes that you make in your lifestyle, alone, can bring you 80% of the desired results One only needs to be sensible

In short - do not demonise food. Food is food; some nourish the body in a better or different way than others. When it comes to healthy food, both quantity & quality of calories matter!

Even the world's healthiest food (organic, natural, unprocessed) if you consume more than your calorie expenditure, you will gain weight and end up with fatty liver or high cholesterol.

That being said - there is a small group of food that does more harm than good. Eg - junk food, deep fried food and reheated oil, transfat, the overdose of high glycemic sugary drinks and juices, etc.

S3 - Scientific

'Reduce carbs - increase protein & fibre - workout for an hour' -- this is a very simple fitness approach to becoming healthy and managing a disease such as diabetes. Such an approach may work for someone who is in their 20s.

But a scientific approach would entail checking the s.creatinine, s.uric acid and urine albumin before increasing too much protein for a chronic diabetic person. In other words, checking for kidney health is important before loading

up on protein shakes to lose weight or control blood sugar. A person with gallbladder stones should reduce fat, a person with auto-immune markers may have to reduce gluten so on and so forth.

This is relevant even when it comes to exercises. It would be such a bad idea for a person with rheumatoid arthritis to go skipping and jogging or do mountain climbing. A person with piles or inguinal hernia, should not perform a heavy squat or deadlift in the gym.

Nutrition & Exercises are 'science'. Unless the lifestyle change does not hold a scientific temper, there is a very high chance that it will do more harm than good in the longer run It's like driving a car!

Learning a healthy lifestyle change is like learning to drive a car! It was a little overwhelming in the beginning - you need both your legs, hands and eyes. But over time, you realise that it is your second nature to drive a car. Also, you need not know how a car engine works to drive it; once you sit driver's seat, you have the entire car perimeter and how it responds to stimuli (break, accelerator, etc) in your subconscious. Similarly, you need not learn the science of dietetics or exercise to lead a healthy life. You only need to know the basics of it in a sustainable, sensible and scientific manner so that you can become healthy and also enjoy the process!

Yes, you can have your cake and eat it too! 

Dolly Maria

Dolly Maria is founder of THE IGNIST, a training company born out of a noble cause and spirit. She holds a decade long experience being a passionate mentor and entrepreneur.

An adaptable person wouldn’t be disappointed in making mistakes, but to correct them at the earliest. Embracing your mistakes and learning from them makes you more adaptable at managing the fallout.

I AM WHAT I CHOSE TO BECOME!

In the past few decades, and especially in the past couple of years with an unexpected pandemic overturning us to ‘new normals’ of uncertainties in life, pushing us to embrace the unpredictables with more ease, “Adaptability” has become the watchword in our lives more than ever. Even with such a pandemic, one can’t just ignore the fact that change is still speeding up. The world still didn't hesitate a bit to pounce on the very next chance to make it right. A positive and a 'can do – go getter' attitude is what life expects you in business and personal realms mostly, even when life throws curve balls at you every now and then. The right adaptable attitude will always launch you to the next desired level no matter what challenges you face. Hence 'adaptability’ is indeed the key to your business success.

Most often, we get so stuck in

the rut that we overlook our very common rigid unwilling thinking patterns which make us go round-around about the same circle without producing the expected new results, even when we have clear strategies and action plans driven out for deliverables. When the challenging dynamic arises over you like mountains, the best solution for immediate intake is not to get overwhelmed by the massive challenge that scares you on your face, but to cut it down to smaller pieces to confront, one monster at a time. Change is a constant and feeling anxious about what the day holds for you is normal on a normal business day of yours. Building consensus with your own mind to be bettering with adaptability should be one obvious deliberate goal. People who are flexible go a long way ahead in the game of success than those who are not. A major criteria of today's organisations in

selecting an employee is their ability to adapt quickly to the changing environments. In the ever-changing business atmosphere, it is important to keep yourself marketable at your best, which would make your business transitions smoother on the go.

During and after the pandemic we saw many companies forcing their employees to go remote and making things happen like usual. By leveraging the skill of adaptability, an individual can easily face any problematic situation with determination and grit. It is indeed a competitive advantage if you are an employee or a business owner, and is getting ever more critical for the future. We have been also hearing a lot of news of companies downsizing on a big level now and many employees are facing the threat of losing their job at any moment. When companies are on a sacking spree and one fine day you see yourself looking out for a new

green pasture, the skill of adaptability comes in handy more than anything, than to throw in towel. If you are adaptable, you will quickly assess the pros and cons, align yourself to the imminent change, lay out the opportunities at hand overcoming procrastinations and land into the next available option that’s favourable for your growth. An individual’s success is never on his education or on any certificates that he boasts to hold, but on these skills of adaptability, change management and resilience.

One doesn’t probably know what tomorrow will bring. All we can do is to be prepared with the skills for better behavioural responses when it does. Adjusting your thoughts and actions in such a way that you can change the detriments of your life in due course, with the right kind of adaptability, at the same time by letting and not letting the currents carry you along. People who learn the trait of adaptability with more ease are better leaders. You excel in a situation that demands quick effective decision making, get the organisation pivots quickly through tougher transitions, showcase your ability to be resourceful, to model well, stay hopeful n positive to difficult alterations to find contentment

regardless of your circumstances. In fact you will be more relevant to the people around you. Achieving work-life balance is very important here. Adaptability always demands you to be analytical and to get yourself out of your current comfort zone. It helps you to ask better and right questions, and be a better listener inorder to understand n jot out a perfect balance to the new scenarios that've popped up. An adaptable person wouldn’t be disappointed in making mistakes, but to correct them at the earliest. Embracing your mistakes and learning from them makes you more adaptable at managing the fallout. Practicing your emotional intelligence well at the workplace with people around you will bring out the desired response than when you are trying out adaptability to induce better results. Being emotionally intelligent helps you stay grounded, emotionally clear and well-balanced in any situation. Even when Charles Darwin spoke of evolutionary bests by his idea of "survival of the fittest", he didn't really mean the strongest or the smartest life forms, but he was referring to the ones that would adapt most to the changing conditions the best. This stays the same in business, social or personal scenes – one who is un-

willing to change withers or breaks sooner. So, in order to weather the storm of an extreme situation and to survive it without much damage, one must internally and externally be ready to take the drift, choose the desired response for the current impediment, analyse the possibilities, take the stab if needed temporarily, look out for opportunities to level up, adapt eventually to the constantly changing market and take advantage of the rewards being adaptable.

Incorporating every possible information that you gather during the journey of life will always help you strengthen your skill sets. Stay strong and flexible in life. Do not be dismayed or continually disappointed with what life brings you – it is supposed to be such. All we can control is our response and choices to it. Let not the external conditions rule you, but your internal drive to succeed. Even if you decide to go with the flow or retreat at an unpredictable danger, the key is to be consciously adaptive to the very next opportunity which will cancel your previous setbacks. Be proud of what you have become. You are given this life because you are strong enough to live it. Remember to surprise yourself every day with your own courage

iQOO Neo 7

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Vivo S16

Rs 29,690 (Approximately)

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 6.78 inches (17.22 cm) Display

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OnePlus 11R

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OPPO Find N2 Flip

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Everything Good and Magical About Gooseberry

The gooseberry, also known as amla in India, provides many health advantages for your skin, hair, and overall well-being. As a healthy fruit with few calories and fat, gooseberries can assist a person in getting their recommended daily intake of nutrients as part of a balanced diet.

Additionally, the fibre they contain may help someone maintain regular bowel motions, give them the feeling of being full, and control their weight. This fruit must be a regular part of your daily life since it certainly lives up to its reputation as an ancient super fruit. Continue reading to learn more about the importance of amla for the health of our skin and hair.

Rebuilds damaged tissues

Amla juice has beneficial healing capabilities because it contains vitamin C and other antioxidants, which help hasten the mending of injured tissue. Additionally, it addresses the issue of dry and scaly skin.

Hair Growth

Amla contains phytonutrients, vitamins, and minerals that aid to improve scalp circulation and promote healthy growth. Collagen protein is produced by amla's vitamin C. This promotes both volume and length growth of the hair. Collagens produce new hair cells to replace the hair follicles' destroyed cells. Takes care of acne and acne scars

Mob: 9388618112

Amla juice is a natural blood purifier that reduces acne and speeds up skin recovery. Amla paste can be applied to affected regions to alleviate inflammation and lessen the like-

Dr. Elizabath Chacko, MD-Kalpana International

lihood of scarring. Acts as a natural conditioner for hair

Amla may strengthen, condition, and nourish your hair, giving it shine and adding volume. Up to 81.2 percent of the moisture is present in one amla. Additionally, if you have oily hair, apply amla powder because it will absorb all the extra oil on your scalp while also nourishing it.

Complexion is made lighter and brighter

Antioxidants and vitamin C, which are abundant in amla, work together to lighten the skin and complexion. The juice of amla or its use as a face pack are the finest ways to reap its skin-friendly effects.

Cleans the scalp

The scalp can be thoroughly

cleaned with amla juice. The scalp is nourished, and the hair becomes lustrous. Amla's antioxidant content protects our hair from different hair damage brought on by dust, pollution, tobacco, and hairstyle appliances, among other things.

Reduces the risk of early ageing

Growing older inevitably involves ageing. However, ageing symptoms sometimes start to show up later in life. Slowing down the signs of ageing is one of the many skin advantages of amla. Drink your amla juice after adding some honey to it. This juice's high antioxidant content will help fight fine lines, wrinkles, and dark spots while giving you younger-looking, smoother skin. Antioxidants also help to lessen the impact of free radicals.

Improves pigmentation

Amla is a common ingredient in hair colouring kits since it works to reduce pigmentation. It also aids in discoloration, lengthening and enhancing the lustre of the hair. Additionally, it's critical to maintain a clean scalp and hair in order to prevent discoloration. Amla, with its anti-microbial qualities, will not only get rid of the smell in your hair but also the germs that are clinging to it.

Amla is undoubtedly a superfruit and one of the simplest foods to incorporate into a diet. When consumed raw, amla is perfectly harmless, much like the majority of fruits. But you can also use its juice or powder if you can't get fresh, raw amla every day. However, if you are allergic to it, you should avoid this

The Giant’s Causeway: The Magnificent Natural Wonder In The Uk

From the winner of the 2016 ‘World’s Leading Tourist Attraction’ to Northern Ireland’s only UNESCO World Heritage Site, a trip around Northern Ireland’s Causeway Coastal Route has a whole lot to offer.

On the northern Irish coast, close to Bushmills, sits the Giant's Causeway, a UNESCO World Heritage Site. It's pretty amazing - a grouping of about 40,000 Basalt rocks, most of which are hexagonal in shape (although others are tall columns), that jut out into the water like stepping stones.

Volcanic activity created the causeway's distinctive appearance 60 million years ago. These pillars were created as a result of basalt lava seeping through the chalk layers and subsequently cooling.

Alternately, you may opt to accept the more intriguing legend that Irish colossus Finn MacCool constructed the causeway. Finn constructed the causeway as a bridge to connect Ireland and Scotland in response to a challenge from the Scottish giant Benandonner. Benandonner escaped back to Scotland when Finn outsmarted him, demolishing the causeway so that Finn could not pursue him. In Scotland, there are

more basalt rock columns to back up this myth. The Giant's Causeway is now a natural reserve and a UNESCO World Heritage Site. Things to Do on the Causeway Coastal Route:

From the winner of the 2016 ‘World’s Leading Tourist Attraction’ to Northern Ireland’s only UNESCO World Heritage Site, a trip around Northern Ireland’s Causeway Coastal Route has a whole lot to offer.

Titanic Belfast

No vacation to the capital of Northern Ireland would be complete without first stopping by Titanic Belfast, which was chosen as the World's Leading Tourist Attraction for 2016 at the renowned World Travel Awards. The Titanic Experience, which is conveniently located near the city centre, provides a thorough history of the tragic RMS Titanic, from her conception in 1907 to its ultimate destruction on its maiden voyage in 1912.

The Titanic Experience is a highly immersive attraction that

contains nine interactive galleries with special effects, interactive elements, and full-scale replicas. Purchasing tickets online will allow you to bypass the line.

Carrickfergus Castle

Carrickfergus Castle, one of the best-preserved mediaeval castles in the nation, offers stunning harbour vistas in addition to its frequently violent past. After being heavily besieged by Irish, English, Scottish, and French troops during its construction in 1177, the castle later served as a garrison during World War I and an air raid bunker during World War II.

The Government of Northern Ireland has protected Carrickfergus Castle as an ancient monument, and it now leads a serene life as a wedding venue and year-round tourist destination.

The Gobbins

Visit The Gobbins, a breathtaking cliff-face trek near Islandmagee, County Antrim, to reconnect with nature and appreciate its full force

and beauty. The Gobbins is a series of twisting cliff trails, stunning bridges, and underground tunnels, some of which extend below sea level. It was first made available to the public in 1902.

The Gobbins is a genuinely extraordinary experience that has to be seen to be believed, with countless chances for bird viewing and vistas that extend out across the sea to Scotland. The spring 2018

reopening of the cliff route will only be accessible by guided tour. If The Gobbins Cliff Walk seems a little too thrilling for your tastes, a much less gravity-defying interactive experience is available at the neighbouring visitor centre.

Rathlin Island

Rathlin Island, the only offshore island in Northern Ireland with a population of more than 150 people, is a favourite destination for day visi-

tors looking for picturesque views, brisk hikes, and clean sea air.

A haven for birdwatchers, Rathlin is a special area of conservation in Northern Ireland because it is home to thousands of seabirds, including puffins, guillemots, and razorbills. Rathlin's "upside-down" lighthouse, so named because the light is located on the base of the edifice rather than the top, is one of the town's more peculiar attractions.

The Dark Hedges

One of the most photographed tourist destinations in all of Northern Ireland is the Dark Hedges, a remarkable avenue of interlocking beech trees near Ballymoney in County Antrim that is instantly recognisable to fans of HBO's Game of Thrones.

This eerie avenue, which dates to the eighteenth century, was planted by James Stewart, who wanted

guests to be appropriately impressed as they approached his Georgian mansion, Gracehill House. Visit the Dark Hedges early in the day to avoid the crowds or after dusk, when you might run across the area's resident ghost, "The Grey Lady," to truly appreciate its enchanting beauty.

Dunluce Castle

Many people may recognise Dunluce Castle, a mediaeval ruin on the County Antrim coast, as the

setting for House Greyjoy in HBO's Game of Thrones. It is perched right on the edge of a cliff. In fact, this magnificent ruin's dramatic clifftop setting has served as an inspiration for numerous musicians, authors, and artists over the years.

While a picture of the castle may be found on the gatefold of Led Zeppelin's 1973 album, House of the Holy, it is believed that Dunluce Castle served as the model for Cair Paraval in C.S. Lewis' The Chronicles of Narnia. Visitors are welcome to the castle, which is connected to the mainland via a bridge, all year round.

Carrick-a-Rede Rope Bridge

The Carrick-a-Rede Rope Bridge, in County Antrim, close to Ballintoy, is a must-see for the truly daring traveller. This straightforward rope bridge, built by salmon fisherman in the middle of the eighteenth century and suspended thirty metres above the cliffs below, is now maintained by the National Trust.

Be cautious to check the weather prediction before you arrive if you intend to visit the Carrick-a-Rede rope bridge. Frequently, crossings, which cost £7, are suspended during unfavourable weather, such as intense rain and strong gusts.

An Incredible Hiking Trail

It is certainly recommended for those who are not in a rush to combine their trip to the Giants Causeway with a hike. A day climb up the "Shepherd's Stairs"' 162 stone steps will reward you with a stunning aerial view of the basalt columns. North of the visitor centre, these are to be found.

This distinctive setting in front of the Antrim coast's cliffs is known by a number of nicknames. Some of the column forms even have their own names, such as "the honeycomb," "the camel's humps," "the organ pipes," "the harp," and "the chimneys."

“Travel brings power and love back into your life.” - Rumi JalaludDin Happy Travelling!

Vivek Venugopal is one of India’s top automotive writers with over a decade’s experience in road-testing and reviewing cars. He is currently the Editor of Quarter Mile magazine and a columnist in several leading magazines and newspapers. He is also a highly sought after consulting engineer and market analyst for many automobile manufacturers.

Mercedes EQB

If the Mercedes GLB we featured earlier in this magazine was impressive, the EQB is even more so if you are looking for an urban SUV, with its electric powertrain, this is even more suited for the urban grind. Although it's a CBU, it is a whopping 25 lakhs cheaper than the GLC. And because it is taxed at 5 percent, it doesn't cost that much more than a top-end GLB.

Like the GLB, the EQB is also based on the MFA2 platform. The front - end has been smoothened out with a close-off black grille and curvier lines around the headlamps.

The side profile is similar to the GLB but the tail lamps are jointed and the number plate recess has been moved to the bumper. It is slightly longer than the GLB because of the bigger bumper.

Step inside and you see the same dash as the GLB but with the copper accents which are specific to the EQ range. The dashboard design is nice and the ergonomics are good. The MBUX spans across two 10.25-inch screens, one for the driver and another for the infotainment system. The dashboard gets extra leather trim on top for a more premium feel. The seats are finished

The EQB feels nice and gentle in the way it accelerates. It is smooth and easy to drive within the city while being brisk enough to quickly close gaps when you need to. 0-100kmph happens in a claimed 8 seconds and the top speed is 160kmph.

in leather and rose gold fabric. The front seats are supportive but you don't get the AMG line seats that hug you all around. In the second row, you notice the floor is higher due to the battery placed underneath. The third row is very low, access is difficult and isn't for adults. Luggage space is down to 465 litres. The EQB 300 we get in India comes with two motors, one for each

axle which combined have 229 bhp and 390Nm. The front motor is an induction motor and the rear is a permanent magnet synchronous motor which does most of the work. The EQB feels nice and gentle in the way it accelerates. It is smooth and easy to drive within the city while being brisk enough to quickly close gaps when you need to. 0-100kmph happens in a claimed 8 seconds and

The steering feels consistent and the brakes have good stopping power, aided by the regen of course. Ride quality is much better than the GLB, perhaps down to the smaller 18-inch wheels.

the top speed is 160kmph. The battery pack is 66.5kWh and has a WLTP range of 423km. Charging from 10-80 percent takes 32 minutes in a 100kW DC charger or 10-100 percent in 6 hours and 25 minutes in an 11kW AC charger.

While the GLB feels front wheel driven and it is, for the most part, the EQB feels distinctively rear wheel driven. There is a sense of turning into

a corner where it feels like being pushed from the rear that is enjoyable. The low centre of gravity with the 469kilo battery pack mounted low in the chassis also helps. The steering feels consistent and the brakes have good stopping power, aided by the regen of course. Ride quality is much better than the GLB, perhaps down to the smaller 18-inch wheels. There is a good ground clearance of

155mm, so it doesn't scrape anywhere.

The Mercedes EQB is priced at Rs.74.5 lakhs ex. showroom. It may not be as good value as the locally assembled Volvo XC40 but makes up for it with a more plush cabin and two extra seats. Mercedes says the residual values are on par with the ICE-equipped car and offers similar buyback prices for the EQB

Pathaan

Siddharth

Anand is the director of the 2023 Hindi-language action thriller movie Pathaan. Along with Shah Rukh Khan and Deepika Padukone, it also stars John Abraham, Dimple Kapadia, and Ashutosh Rana. In the movie, Pathaan, an exiled RAW agent, teams up with ISI operative Rubina to stop Jim, a former RAW agent turned traitor, from infecting India with a lethal lab-created virus. It's a family movie without any controversial content, but it will instead stoke the audience's sense of patriotism. The film is successful not just because of SRK; it's a total showbiz package with fantastic work from the lead trio. The actions are top-notch and unquestionably up to Hollywood standards. However, with Shah Rukh Khan playing the lead and Siddharth Anand at the helm, the movie is an extremely exciting action movie with stunning visuals. Overall, it's an amazing film with a smart and engaging storyline that will hold your attention for two hours. You'll be kept entertained to the very end by twists and wow moments.

Shantanu Bagchi is the director of the 2023 Indian spy thriller movie Mission Majnu. The movie, which features Sidharth Malhotra, is a fictional account that takes place prior to and during the 1971 Indo-Pakistani War. In supporting roles are Rashmika Mandanna, Parmeet Sethi, Sharib Hashmi, Kumud Mishra, and Rajit Kapur. The movie keeps loyal to its concept of the clandestine operation being revealed and avoids any overt displays of patriotism. It's important to pay attention to the conversations. Sidharth does a good job portraying Tariq and Amandeep, particularly in dramatic sequences. As Amandeep's partner, Sharib Hashmi also turns forth a great performance. Amandeep's intelligence, creativity, and patriotism while being mistreated are the main themes of Mission Majnu, but there is also a lot of action, which Sidharth does excellently.The crisp script, cleverly crafted moments, flawless execution, and standout performances by Sidharth Malhotra and other cast members make Mission Majnu an overall compelling saga.

Ayisha

The Malayalam-Arabic bilingual film by newcomer Aamir Pallikkal is based on the life of Nilambur Ayisha, popularly known as the first Muslim woman to act in plays and motion pictures in Kerala. The story revolves around Ayisha's experiences working as a housekeeper for a Saudi Arabian royal family. The majority of the horrible details from her background are kept to a minimum to highlight how valiantly she attempts to live on despite them. The uplifting drama examines suffering, leaving, the final seconds before death, betrayal, and the mystical tie between people that transcends national boundaries. Ayisha is made into an unforgettable character in the audience's thoughts by Manju Warrier. She and Mona, who plays Mama in the film, have wonderful chemistry together. Their relationship defies the usual notions of women in fictional roles, particularly those of mothers, lovers, sisters, and wives. They rely on one another and take pleasure in one another's companionship. The performances by each performer in the film were excellent.

Past Lives

Past Lives is a 2023 American drama romance film written and directed by Celine Song in her directorial debut. It stars Greta Lee, Teo Yoo and John Magaro. When Nora’s family immigrates to Canada, a burgeoning childhood relationship between Nora and Hae Sung, classmates at a primary school in Seoul, comes to an abrupt stop. Twelve years later, Nora, who is now studying playwriting in New York, discovers that Hae Sung has been looking for her on social media. The film Past Lives explores the friendship between two friends who have feelings for one another. Even though their circumstances and other critical life experiences have changed them, they are still connected by something important. The movie pays exquisite attention to longing and romance, and it does it in a surprising and perceptive way that also respects the passage of time and how many circumstances may change the course of two people’s lives.

The Fraud Squad

Author : Kyla Zhao

Price : `1,406 (Paperback)

In this compelling novel by upcoming novelist Kyla Zhao, a working-class woman who infiltrates Singapore's upper society to realise her aspirations risks losing everything in the process—including herself. This is Kyla Zhao's debut novel, and she does a fantastic job. Due to the plot being written in the third person, the structure was excellent. Because of this point of view, the book's character views become considerably larger, and the world-building is what really stands out. It exuded the appropriate atmosphere and all the drama that Singapore's upper social groups are known for. Sam was a fantastic character created by Zhao, showing the transformation of a common working-class girl into one of Singapore's social elites. Sam's work in several facets of the fashion industry was also motivating.

The Love Match

Author : Priyanka Taslim

Price : `1,654 (Hardcover)

In her charming and touching romantic comedy, Priyanka Taslim tells the story of a Bangladeshi-American teen whose meddling mother sets up a marriage to ensure their family's financial stability—just as she's falling in love with someone else. The debut novel by Priyanka Taslim immerses you in a Bangladeshi American neighbourhood where new love conflicts with established customs. On the verge of entering adulthood, Zahra Kahn, the protagonist must strike a balance between the increasing pressure from her family and society's conventional beliefs and her own deepest desires. Taslim brilliantly balances on this precarious line, conveying both despair and hope in equal measure. The power of a community, the price of dreams, and the guts it takes to fight for both are what The Love Match is all about.

REVIEW

Just the Nicest Couple

Author : Mary Kubica

Price : `2,811 (Paperback)

Justthe Nicest Couple by Mary Kubica is a wonderfully crafted thriller about lying to ourselves and the risk of a lie spiralling out of hand. Nina, Jake's wife, tells her coworker Lily that she believes it was caused by a quarrel the couple had. However, Lily admits to her husband Christian that she might have been the last person to see Jake. Christian merely wants to keep Nina from learning the truth so that Lily and the child she is carrying can remain safe. Every second of this taut, tremendously exciting story is expertly written to keep us wanting more. The mystery thriller novel was absolutely captivating. From the first page, we get hooked by the intriguing plot and the mysterious atmosphere. The characters were welldeveloped and the twists and turns keep you guessing until the very end. The author's writing style was descriptive and vivid, which was making it easy to picture the scenes. A fascinating, shiver-inducing read!

Highly Suspicious and Unfairly Cute

Author : Talia Hibbert

Price : `1,256 (Hardcover)

In this Young Adult novel by well-known romance author Talia Hibbert, two Black British ex-best friends fall into an unforeseen relationship. These two teenagers must slog through more than just mud and muck in order to win a grand prize; they also have to deal with their troubled history. And as their journey pulls them closer together, they start to recall the positive aspects of their past. Hibbert achieves the ideal harmony of romance and humour in this vivacious play while deftly capturing Celine's sentiments of rejection and resentment as well as Brad's mental health difficulties. Readers will root for the happy endings of Hibbert's ensemble of characters as they bumble their way to happiness because of their true depth and heart.