“Start where you are. Use what you have. Do what you can.” – Arthur Ashe
Non-banking finance companies (NBFCs) are crucial in driving economic development and expanding access to capital for countless individuals and businesses. These entities bridge the gap between traditional banking institutions and the diverse financial needs of the populace, offering services ranging from loans and asset financing to investment products. As the financial landscape continues to transform, driven by technological advancements and changing consumer demands, the leaders at the helm of these organizations are tasked with navigating challenges while seizing opportunities for innovation and expansion. Among these influential figures is Mr. V.P. Nandakumar, the Managing Director and CEO of Manappuram Finance Ltd. This edition’s cover story features Mr. V.P. Nandakumar, whose strategic initiatives and innovative solutions are shaping the future of Manappuram Finance and contributing to the broader economic landscape of the country.
Also, in this month’s edition Mr. V.P. Nandakumar offers insights on “Investing for the Future”.
In addition, this edition includes our regular sections, showcasing travel highlights, beauty tips, movie and book critiques, as well as thought-provoking articles on business inspiration.
“Play by the rules, but be ferocious.” – Phil Knight
Wish you a joyful reading experience!
Aditya Birla Group Enters Jewellery Market With ‘Indriya’
The Aditya Birla Group has officially entered the Indian jewellery market with the launch of its new brand, Indriya. Chairman Kumar Mangalam Birla announced the venture on July 26 in New Delhi, outlining the Group’s ambitious goal of becoming one of the top three jewellery retailers in India within five years. This strategic move is supported by a significant investment of Rs. 5,000 crore. Indriya marks a pivotal moment for the Aditya Birla Group as it expands its consumer portfolio. Already a significant player in fashion retail and lifestyle, the Group intends to leverage its expertise in retail, design, and brand management to capture a share of the rapidly growing Rs. 6.7 lakh crore Indian jewellery market. Birla expressed confidence in this venture, stating that the Indian consumer is evolving and represents one of the most promising consumer markets globally.
PhonePe CEO Apologizes For Criticizing Karnataka’s Reservation Bill
“Your time is limited, so don't waste it living someone else's life. Don't be trapped by dogma – which is living with the results of other people's thinking.”
Steve Jobs
Sameer Nigam, Founder and CEO of PhonePe, issued an apology on 21st July 2024, following a controversial post on X (formerly Twitter) criticizing Karnataka’s recent local jobs reservation bill. Nigam stated that he never intended to offend Karnataka or its people and offered an unconditional apology for any hurt his comments might have caused. In his statement, Nigam emphasized his respect for Karnataka and its residents, as well as his appreciation for Kannada and other Indian languages. He highlighted the significance of linguistic diversity and cultural heritage as valuable national assets. The apology came in response to Karnataka’s bill that mandates 100% reservation for Kannadigas in private sector Group C and D positions, with local candidates required for management (50%) and non-management (70%) roles, along with Kannada proficiency for those without a secondary school certificate.
Budget 2024: Government Offers Loans
Up To Rs.10 Lakh For Domestic Higher Education
In a move to bolster educational opportunities, Finance Minister Nirmala Sitharaman announced new initiatives for education loans during her budget speech. These measures are designed to support students who have not yet taken advantage of existing government schemes. The government plans to offer education loans of up to Rs.10 lakh to eligible individuals pursuing higher education in domestic institutions. This initiative targets young people who have not previously received benefits from any government programs, providing them with the financial means to further their education and enhance their career prospects. The Model Skill Loan Scheme will be updated to provide loans of up to Rs.7.5 lakh. Additionally, a government-backed fund will offer a guarantee for these loans. To further ease the financial burden, the government will distribute e-vouchers to 1 lakh students, providing a 3% interest subvention to lower the cost of education loans.
Budget 2024: India’s Path To Sustainable Energy And Climate Resilience
"Don't worry about failure. You only have to be right once." -
Drew Houston
India’s Budget 2024 has charted a promising path towards a sustainable future by prioritizing rooftop solar expansion, energy security, and climate-resilient agriculture. Finance Minister Nirmala Sitharaman, during her presentation, highlighted the critical role of energy transition in addressing climate change. She noted that the PM Surya Ghar Muft Bijli Yojana, aimed at installing rooftop solar panels in over 1 crore households, has received over 1.28 crore registrations and 14 lakh applications. This scheme offers up to 300 units of free electricity per month, demonstrating the government’s commitment to clean energy. The Budget allocates Rs.1.52 lakh crore for climate-resilient agriculture, with plans to review agricultural research and develop high-yielding, climate-resilient crop varieties. Sitharaman also announced the creation of a policy document for energy transition pathways and a roadmap to shift industries from energy efficiency to emission targets.
ACKO Acquires OneCare To Expand Healthcare Ecosystem
ACKO has acquired OneCare, a digital chronic care management company, in an all-cash transaction aimed at expanding its healthcare services beyond insurance. As part of the deal, OneCare’s co-founders, Rakesh Shivran and Sagar Bhat, will join ACKO’s leadership team to bolster its health-tech offerings. ACKO, renowned for its technology-driven approach, has been actively involved in the health insurance sector. OneCare, which provides an integrated care model through wearables, data analytics, and a combination of physical and virtual care, aligns well with ACKO’s vision of a technology-enabled healthcare system. ACKO’s Founder and CEO, Varun Dua, emphasized that this acquisition will help redefine healthcare for customers by merging OneCare’s customer-centric care with ACKO’s insurance services. Shivran and Bhat expressed their enthusiasm, noting that ACKO’s vision aligns with their own objectives. They see this acquisition as an opportunity to broaden their impact and enhance care delivery nationwide.
GMR Airports And GMR Airports Infrastructure Unite To Streamline Corporate Structure
“Never let the fear of striking out keep you from playing the game.”
Ruth
GMR Airports Infrastructure Ltd., formerly known as GMR Infra Ltd., has announced the successful completion of its merger with GMR Airports Ltd. This strategic move aims to streamline its corporate structure and enhance governance practices. Following the merger, GMR Airports Infrastructure will fully own the airport business, with Groupe ADP as a significant stakeholder. The merger bolsters GIL’s balance sheet and market capitalization, positioning the company for future growth opportunities. “Effective today, GMR Airports and GMR Infra Developers have merged into GMR Airports Infrastructure, with an appointed date of April 1, 2023. The initial announcement was made on March 19, 2023,” stated the company in a filing. Following the merger, the GMR Group will continue to be the largest shareholder of GMR Airports Infrastructure, holding 33.8%, while Groupe ADP will own 32.3%, and public shareholders will account for 33.9% of the paid-up equity share capital.
Babe
Rewards for Tourists Who Litter Pick in Copenhagen
Tourists will be rewarded with free food and activities in exchange for participating in eco-friendly tasks while visiting Copenhagen, the city's tourist board has announced. Starting on July 15, this pilot scheme will encourage visitors to engage in activities such as litter-picking, using public transport, or biking around the city in return for rewards like free lunches, coffees, glasses of wine, and kayak rentals. The "CopenPay" initiative aims to counterbalance the environmental impact of tourism, as stated by Rikke Holm Petersen, the communications chief of the Copenhagen tourist board. She emphasized that travel, especially by plane or car, contributes to pollution, and this initiative seeks to promote sustainable behavior at the destination. Acknowledging that the plan is a modest step towards a green transition, Ms. Petersen noted that the project is based on trust.
Paris 2024: A Dazzling Opening Ceremony on the Seine
The 2024 Olympics opened in Paris with a stunning and innovative ceremony, marking the first time athletes paraded along the River Seine instead of in a stadium. The nearly four-hour spectacle featured 6,800 athletes from 205 delegations sailing on 85 boats, passing iconic landmarks like the Eiffel Tower and the Louvre. The event culminated in a dramatic moment as French judo champion Teddy Riner and sprinter Marie-Jose Perec lit a cauldron shaped like a hot air balloon, which soared into the Parisian sky. Despite heavy rain and earlier disruptions caused by arson attacks on the French train network, the ceremony unfolded with vibrant performances. Among the highlights were US singer Lady Gaga, who delivered a cabaret act, and Celine Dion, who made an emotional return to the stage. The artistic direction, led by Thomas Jolly, brought to life a narrative celebrating French history, art, and sport, with contributions from approximately 2,000 musicians and dancers.
Journalist Ordered to Pay Damages for Mocking Italian PM's Height
An Italian journalist, Giulia Cortese, has been ordered to pay Prime Minister Giorgia Meloni €5,000 (£4,210) in damages for social media posts mocking Meloni's height. A judge ruled that two tweets by Cortese, who also received a suspended fine of €1,200, were defamatory and constituted "body shaming." The incident began in October 2021 when Meloni's far-right Brothers of Italy party was in opposition. Cortese posted a doctored image on X (formerly Twitter) showing Meloni with a framed photo of fascist dictator Benito Mussolini in the background. Meloni condemned the image as extremely serious and announced legal action. Cortese deleted the image, admitting it was fake but accused Meloni of creating a "media pillory" against her. She called Meloni a "little woman" and later tweeted, "You don't scare me, Giorgia Meloni. After all, you're only 1.2m [3ft 9in] tall. I can't even see you." Meloni's actual height is reported as 1.63m (5ft 3in) in Italian media.
German City Bans ‘Silent Fox’ Gesture in Schools Over Far-Right Link
Anorthern German city has become the first to ban a classroom hand gesture, commonly used to encourage silence, due to its similarity to a far-right Turkish salute. The “silent fox” gesture, where the hand mimics an animal with upright ears and a closed mouth, has been a popular teaching tool in Germany and elsewhere to signal children to be quiet. However, authorities in Bremen argue that it closely resembles the extremist “wolf salute,” used by the right-wing Grey Wolves group, making it potentially confusing and politically charged. This issue gained prominence after Turkish footballer Merih Demiral used the salute during the Euros, leading to a diplomatic dispute and his subsequent ban by UEFA. Interior Minister Nancy Faeser condemned the use of the symbol, calling it an unacceptable platform for racism.
Spearheading the Incredible Manappuram Odyssey: V.P. Nandakumar
Many centuries ago, a savant and philosopher named Laozi on the other side of the Great Wall of China quipped, “A journey of a thousand miles begins with a single step.” True, a seemingly insignificant act can have a butterfly effect over the years. The peerless saga of an entrepreneurial colossus on this side of the Great Wall best illustrates this wise saying of Laozi mentioned in his monumental work ‘Dao De Jing’. When V.P. Nandakumar took over the reins of the single-branch money-lending business of his late father in 1986, not many would have thought that it would be the beginning of a journey of stellar, unprecedented success. Today, his Manappuram Finance Ltd is one of India’s leading NBFCs with 5,200 branches spanning 28 states and Union Territories with Assets Under Management (AUM) to the tune of Rs 42,069 crore and a workforce of more than 50,000. Unique Times chronicles the fascinating success saga of Nandakumar, the Managing Director and CEO of Manappuram Finance Ltd, who used his astute leadership skills, razor-sharp acumen and vision to steer his enterprise
all through its high-octane journey to becoming a financial powerhouse in the country. The journey that began in modest settings in Valapad, a quaint village in Kerala’s Thrissur, has acquired a pan-India dimension today, which is nothing but extraordinary. Nandakumar has added more feathers to his cap by unlocking the portals of diversification through microfinance, home loans, vehicle finance and SME and personal loans thereby broadening the spectrum of his company.
Wearing Many Hats With Elan
Born in 1954, Nandakumar holds a post-graduate degree in science, along with additional qualifications in Banking and Foreign Trade, which have equipped him with a robust foundation for his career in finance. His expertise has been recognised in various trade and industry associations, including FICCI, ASSOCHAM, and FIDC, where he has actively contributed to shaping policies and promoting best practices within the sector. His commitment to education and professional development is evident in his appointment to the Board of Governors of the Indian Institute of Management, Kozhikode, in January 2019, a role
that speaks a lot about his influence in the realm of management education.
Nandakumar is a Distinguished Invitee to the All-India Management Association’s Council of Management, where he lends his insights to advancing management practices across the country. Serving as Co-Chair of the State Council of FICCI Kerala, he is proving his prowess in fostering collaboration among industry leaders and enhancing the business landscape in the region. Through these engagements Nandakumar continues to impact the educational and industrial sectors positively, guiding future generations of leaders in the financial services industry.
How It All Began
Manappuram Finance Ltd traces its roots back to 1949 when it was founded by Nandakumar's father, the late V.C. Padmanabhan, in Valapad. The initial operations focused on money lending. It was a modest beginning that laid the foundation for what would become a financial behemoth. Following the untimely demise of his father in 1986, Nandakumar took over the reins of the family business and there has been no looking back ever since.
Nandakumar has added more feathers to his cap by unlocking the portals of diversification through microfinance, home loans, vehicle finance and SME and personal loans thereby broadening the spectrum of his company.
In a world where financial services are increasingly important, Nandakumar’s journey exemplifies the power of leadership, resilience, and a genuine commitment to making a difference.
Diversification and Growth
One of Nandakumar's most significant contributions has been his proactive approach to diversification. Recognising the evolving needs of customers, he has steered the company into new territories. Today, a remarkable 49% of Manappuram's total business originates from non-gold segments, a clear reflection of his strategic foresight.
Nandakumar's efforts have not gone unnoticed. His exemplary leadership and remarkable achievements have fetched him recognition on coveted national platforms. In May 2018, ‘Business World’ magazine listed him among India’s 40 most valuable CEOs. The ‘Economic Times’ acknowledged Manappuram as the ‘chart-topper’ in their ET500 list of Top Wealth Creators of 2019. Furthermore, he received the Hurun Industry Achievement Award in February 2023, a testament to his enduring impact in the business world.
Commitment to Community Development
Beyond his business acumen, Nandakumar’s commitment to social responsibility is a cornerstone of his vision. In 2009, he established the Manappuram Foundation aimed at uplifting the community through various initiatives. The foundation’s reach
extends to managing two schools, coaching centres for diverse skills, yoga centres, and wellness facilities. Notably, it also operates a sports complex with badminton and basketball courts, along with an aquatic complex featuring a state-of-the-art swimming pool. His dedication to community welfare is evident in the foundation's services, which are provided to people falling under the Below Poverty Line (BPL) category at subsidized rates. Additionally, the foundation has a fleet of ambulances equipped with advanced medical support systems, further solidifying its role as a pillar of support for the local population. He staunchly believes that these efforts to uplift the community will have a butterfly effect over the years as his empire grows.
Leadership Beyond Borders
In addition to his responsibilities at Manappuram Finance, Nandakumar has done yeoman service to international organizations. His journey with Lions Clubs International began in 1981, and over the years, he has held various leadership positions, including multiple district council chairperson and member of the LCIF Corporate, Foundation & Government Gifts Committee. His dedication and service culminated in his election as an
international director during the 102nd International Convention in Milan, Italy, in July 2019, marking a significant milestone in his commitment to community service.
Currently, he is serving as the Chair of LCCIA and Chairperson of the ISAME Area Leadership. Through these roles, he continues to foster collaboration among Lions Clubs worldwide, advocating service projects that address pressing social issues. His leadership not only strengthens the organisation but also reinforces his commitment to making a positive impact beyond national borders, embodying the spirit of global citizenship and community empowerment.
Promoting Financial Inclusivity
Nandakumar's influence reaches far beyond the confines of Manappuram Finance. He has been a driving force in promoting financial inclusivity through his involvement in several key ventures. Notably, he played a pivotal role in establishing Equitas Small Finance Bank Ltd., India’s first small finance bank that provides affordable financial solutions to the underserved. His efforts also contributed to the formation of Aptus Value Housing Finance India Ltd., both of which were successfully listed on the stock
exchange, marking significant milestones in the Indian financial landscape.
Additionally, Nandakumar’s promotion of Five Star Business Finance Ltd., an NBFC specialising in MSME finance, further emphasises his commitment to enhancing access to financial services for marginalised sectors. By focusing on micro, small, and medium enterprises, he has championed initiatives that empower entrepreneurs and drive economic growth. Through these
endeavours, Nandakumar continues to champion financial inclusivity, ensuring that diverse segments of society have the opportunity to participate in the economic mainstream.
A Legacy of Leadership and Vision for the Future
As Nandakumar continues to lead Manappuram Finance Ltd., his vision remains rooted in innovation, community service, and financial inclusivity. With plans for further expansion and diversification, he is poised to navigate
the evolving financial landscape while maintaining a strong commitment to the values that have guided him since the inception of the company.
In a world where financial services are increasingly important, Nandakumar’s journey exemplifies the power of leadership, resilience, and a genuine commitment to making a difference. As he looks to the future, there is no doubt that his impact will continue to shape the landscape of financial services in India and beyond
Shri V.P.Nandakumar MD & CEO Manappuram Finance Ltd
The recent back-to-back episodes of extreme weather events – unprecedented heatwaves followed by the monsoon fury inundating large parts of the nation - necessitates a policy revisit especially those concerning critical infrastructure
Investing for the Future
India can expedite its transition to a developed nation by framing a calibrated policy to futureproof critical infrastructure from extreme weather events.
India is poised to become a developed nation by 2047 and the country ticks most boxes to qualify for the rank of the third largest economy in the world by that time. World beating economic growth, rapidly expanding labour market, especially non-farm employment, increasing digital footprint and infrastructure, swelling ranks of middle class population with higher disposable income, healthy balance sheets of financial and non-financial corporates, political stability that guarantees policy continuity, a vibrant capital market – both primary and secondary – the list of positives go on and on.
However, the recent back-to-
back episodes of extreme weather events – unprecedented heatwaves followed by the monsoon fury inundating large parts of the nation - necessitates a policy revisit especially those concerning critical infrastructure. Though quick and effective reactions to such events have minimised the physical damage, such events nevertheless point to the imperative of weather proofing critical infrastructure. By definition, the term critical infrastructure covers not just power grids, dams or water resources, but a bevy of other things including transport, roads, bridges, telecommunication, digital infrastructure, financial network and healthcare.
Though putting a number to economic loss and growth sacrifice that the nation has to face due to natural calamities is hard to gauge at this point of time, there are some published numbers that shed light into the enormity of the problem. Official data shows that between 2018 and 2023, Indian states had to shell out a whopping Rs 1.5 lakh crore to deal with the aftermath of disasters and natural calamities. It is roughly equal to 1% of the nation’s Real Gross Domestic Product (GDP) in 2023-24 fiscal. Further, a report by the World Bank published in 2022 stated that the nation may lose 3.4 crore jobs by 2030 on account of productivity loss stemming from heat-
related stress. Also, transporting and storing perishables and other food articles in non-airconditioned facilities cost the country Rs 900 crore every year. These numbers should not be viewed in isolation as the precious resources lost could have gone for productive purposes such as investments that would have added traction to economic momentum.
This makes a compelling case for a calibrated and well synchronised policy to future proof our critical infrastructure. Future proofing critical infrastructure will indeed be a Herculean task but is essential for a fast-growing economy such as India to avoid any disruptions caused by extreme
weather events going forward. Developing such infrastructure needs extensive research and capacity building and the templates may differ from state to state and region to region. However, India has time on her side since most of the already announced infrastructure projects shall be completed only by 2030 and beyond. This gestation period gives policy makers enough time to work out the modalities to secure them from extreme weather events.
Also, diversity in future responses to natural calamities is only natural considering India’s sub-continental size land mass with different areas falling under different weather/ climatic zones.
Such a policy requires substantial investment but the nation will benefit enormously from such investments not only by minimizing domestic economic losses in the future but also by exporting such technology and practices to the world. Needless to say, developing such multiple templates will be a big positive for India since it will serve as the go-to practices for the rest of the world. In the same way as the nation did during the Covid 19 pandemic by turning into the pharmacy of the world by developing, mass producing and exporting antigens, India can be the model for the world by investing in technology to weatherproof critical infrastructure
Rajesh Nair Partner, Ernst & Young LLP
Incorporating climate risks and environmental sustainability into a management professional’s daily thinking framework requires intentional actions and a commitment to driving positive change.
The Threat of Climate Change is Real
All of us are still glued to our screens on the Wayanad tragedy. While we will debate the fallible policies, gaps in administration, how we often ignore early signals at our own peril, the moot point is here to stay and clear like the bright sky – we have to account for climate risks in whatever we do. The threat of climate change is one of the most pressing issues of our time, posing significant risks to the environment, economies, and societies globally. As the reality of these impacts becomes increasingly apparent, it is crucial for organizations and individuals to recognize the importance of inte-
grating Environmental, Social, and Governance (ESG) principles and sustainability into their strategic frameworks. Addressing sustainability and climate risks must be integral to any organization's strategy to ensure long-term viability and resilience.
The Reality of Climate Change
Climate change is not a distant threat; it is a current reality. Rising global temperatures, melting ice caps, increasingly severe weather events, and shifts in ecosystems and wildlife patterns are among the undeniable signs of a planet under stress. Scientific evidence from the Intergovernmental Panel
on Climate Change (IPCC) and numerous other research institutions underscores the rapid acceleration of these changes due to human activities, particularly the burning of fossil fuels and deforestation.
The Role of ESG in Addressing Climate Change
Environmental, Social, and Governance (ESG) principles offer a comprehensive framework for assessing and managing an organization’s impact on the environment and society. Integrating ESG considerations into business strategies is essential for mitigating climate risks and promoting sustainability. Environmental Considera-
tions:
• Organizations must monitor their carbon footprint, reduce greenhouse gas emissions, and adopt energy-efficient practices. This involves transitioning to renewable energy sources, optimizing resource use, and minimizing waste.
Social Factors:
• Responsible companies recognize the social implications of their operations. Ensuring fair labor practices, investing in community development, and promoting equitable access to resources are vital aspects of social responsibility.
Governance:
• Strong governance structures ensure accountability and transparency in ESG initiatives. Boards and leadership teams must prioritize sustainability, set clear performance metrics, and report progress honestly.
Sustainability and Climate Risks in Strategic Planning
Sustainability and climate risks need to be integral to any organization's strategy to achieve long-term success and resilience. Companies that ignore these risks may face severe financial, operational, and reputational consequences.
Risk Mitigation:
• Organizations must identify, assess, and mitigate climate-related risks. This involves conducting thorough climate risk assessments to understand potential vulnerabilities in operations, supply chains, and markets. Developing strategies to address these risks can include diversifying supply chains, investing in resilient infrastructure, and establishing contingency plans for extreme weather events.
Innovation and Opportunity:
• Climate change also presents opportunities for innovation. Companies that invest in sustainable technologies, develop eco-friendly
products, and adopt circular economy principles can gain a competitive edge. Embracing sustainability can lead to the creation of new business models, improved efficiency, and reduced costs.
Investor Expectations:
• Investors are increasingly prioritizing sustainability and ESG considerations in their investment decisions. Companies that fail to address these aspects may find it more challenging to attract capital. Transparent and comprehensive ESG reporting can enhance investor confidence and support long-term growth.
Regulatory Compliance:
• Governments around the world are implementing stricter regulations to combat climate change. Organizations must stay ahead of regulatory requirements by adopting proactive sustainability measures. Compliance not only avoids legal repercussions but also demonstrates a commitment to responsible business
practices.
Reputation and Consumer Trust:
• Consumers are becoming more environmentally conscious and prefer to support companies that align with their values. By prioritizing sustainability, organizations can build trust, enhance brand loyalty, and differentiate themselves in the marketplace.
The Moral Imperative
Beyond the strategic and financial benefits, there is a moral imperative to address climate change. The impacts of climate change disproportionately affect vulnerable populations and future generations. Organizations have a responsibility to contribute to global efforts to mitigate these impacts and ensure a sustainable future for all.
The threat of climate change is real and demands urgent action. Integrating ESG principles and sustainability into organizational
strategies is essential for addressing climate risks, seizing opportunities, and ensuring long-term success. Companies that embrace these principles demonstrate leadership, responsibility, and a commitment to building a resilient and sustainable future. By taking proactive steps today, organizations can help mitigate the impacts of climate change and contribute to a healthier planet for generations to come.
Incorporating climate risks and environmental sustainability into a management professional’s daily thinking framework requires a shift in mindset and the adoption of practices that consistently prioritize these aspects. Here are several ways a management professional can seamlessly integrate these considerations into their daily routine:
1. Stay Informed and Educated
• Continuous Learning: Keep abreast of the latest research, trends,
and developments in climate science and environmental sustainability. This can be done through subscribing to relevant journals, attending webinars, and participating in industry conferences.
• Professional Development: Pursue certifications and courses related to sustainability and climate risk management, such as ESG (Environmental, Social, and Governance) certification programs.
2. Integrate ESG Principles into Decision-Making
• ESG Framework Integration: Ensure that all strategic and operational decisions are evaluated through the lens of ESG criteria. This includes assessing the environmental impact, social implications, and governance considerations of each decision.
• Holistic Risk Assessment: Incorporate climate risks and sustainability metrics into the risk assessment process. Evaluate how
potential decisions might affect the environment and weigh these impacts alongside traditional business risks.
3. Promote a Sustainable Company Culture
• Leadership by Example: Demonstrate a commitment to sustainability through personal actions and decisions. Use green practices such as reducing waste, conserving energy, and choosing sustainable products.
• Employee Engagement: Encourage employees to adopt sustainable practices by providing training, resources, and incentives. Foster an inclusive atmosphere where ideas for improving sustainability are welcomed and acted upon.
4. Sustainable Operational Practices
• Resource Efficiency: Implement practices that reduce the consumption of natural resources. This includes optimizing energy use, reducing water consumption, and minimizing waste through recycling and reuse.
• Sustainable Supply Chain: Work with suppliers and partners who share a commitment to sustainability. Ensure that procurement practices prioritize environmentally friendly products and ethical sourcing.
5. Embed Sustainability in Strategic Planning
• Long-Term Vision: Develop a strategic plan that incorporates sustainability goals and initiatives. Set clear targets for reducing carbon footprint, managing waste, and improving resource efficiency.
• Innovation and Sustaina-
bility: Encourage innovation that focuses on developing sustainable products and services. Foster a culture of continuous improvement where sustainability is a key driver of innovation.
6. Measure and Report Progress
• Sustainability Metrics: Establish key performance indicators (KPIs) related to environmental sustainability and climate risk management. Regularly track and report progress against these metrics.
• Transparent Reporting: Communicate sustainability efforts and achievements transparently to stakeholders, including employees, investors, and customers. Use established frameworks like the Global Reporting Initiative (GRI) for consistent and credible
reporting.
7. Collaborate and Advocate
• Industry Collaboration: Engage with industry groups, associations, and coalitions focused on sustainability. Collaborate on initiatives and share best practices to drive collective progress.
• Policy Advocacy: Support and advocate for policies that promote environmental sustainability and address climate change. Engage in dialogue with policymakers and contribute to the development of regulatory frameworks.
8. Empower and Equip Teams
• Tool and Resources: Provide teams with the tools and resources needed to implement sustainable practices. This includes access to sustainability software, eco-friendly materials, and professional development opportunities.
• Empowerment: Empower
teams to identify and execute sustainability initiatives within their areas of responsibility. Encourage cross-functional collaboration to develop and implement innovative solutions.
9. Adopt a Forward-Thinking Mindset
• Proactive Approach: Anticipate future sustainability challenges and opportunities. Stay ahead of emerging trends and regulations to proactively address environmental risks.
• Scenario Planning: Use scenario planning to understand the potential impacts of climate change on the business. Develop contingency plans to mitigate risks and adapt to changing conditions.
10. Communicate and Inspire
• Stakeholder Engagement: Regularly communicate the importance of sustainability to internal
and external stakeholders. Use storytelling to inspire and motivate action.
• Celebrate Successes: Recognize and celebrate achievements in sustainability. Highlight success stories to demonstrate the impact of individual and collective efforts.
Incorporating climate risks and environmental sustainability into a management professional’s daily thinking framework requires intentional actions and a commitment to driving positive change. By staying informed, integrating ESG principles, promoting a sustainable culture, and embedding sustainability in strategic planning, management professionals can ensure that their decisions contribute to a more sustainable and resilient future. Through these efforts, they not only mitigate risks but also create opportunities for innovation and long-term value creation
Pegasus has reached a remarkable milestone, celebrating 15 years of the prestigious MBA Award. This milestone is a testament to the relentless pursuit of excellence and the visionary leadership of Dr. Ajit Ravi, Chairman, Pegasus Global Pvt Ltd. Over the past two decades, Pegasus has carved a niche in the event management industry, consistently delivering top-tier events that highlight and celebrate exceptional achievements across various sectors.
Celebrating Business Titans
Conceptualized by the visionary Dr. Ajit Ravi, the MBA Award, presented by Pegasus and Unique Times is a distinguished accolade that honors exceptional Indo Multibillionaires
who have made significant contributions to the business world. Unique among business awards, the MBA Award emphasizes Corporate Social Responsibility (CSR), celebrating leaders who not only achieve financial success but also make a positive impact on society.
The MBA Award’s stringent criteria reflect its prestige. Candidates must manage assets totaling no less than Rs. 1000 crores and demonstrate substantial CSR initiatives. This holistic approach sets the MBA Award apart, symbolizing comprehensive success in the business community. Throughout its history, the award has honored numerous distinguished business leaders for their significant contributions and influ-
ence in the industry. The awardees include Shri V P Nandakumar of Manappuram Finance Ltd, Shri Joy Alukkas of Joy Alukkas Group, Shri M A Yusuf Ali who heads the EMKE Group, Shri T S Kalyana Raman of Kalyan Jewellers, Shri P N C Menon of Sobha Developers, Shri Gokulam Gopalan of Gokulam Group, Dr. Ravi Pillai, Founder & MD, R P Group of Companies, Shri M P Ramachandran, Managing Director and Chairman of Jyothy Laboratories, Shri Kochouseph Chitilappilly, Founder, Chairman & CEO of V-Guard Industries Ltd, Shri Sabu M Jacob, MD, Kitex Garments Ltd, Shri Viju Jacob, Managing Director of Synthite Industries Ltd, Dr. A V Anoop, Managing Director, AVA group of
companies, Dr. Varghese Kurian, Chairman, VKL Holdings and the Al Namal Group of Companies, Adv Dr P Krishnadas, Chairman & Managing Trustee, Nehru Group of Institutions and Dr. Hafeez Rahman, Chairman, Sunrise Hospitals. The Grand Event: MBA Award Ceremony
This year marks the 16th edition of the MBA Award, celebrating 15 years of honoring excellence. To commemorate this milestone, 15 distinguished individuals will be awarded the MBA Award this year. As a stepping stone to this, 5 individuals from Tamil Nadu will be honored with the MBA Award on August 13th, 2024, at Le Meridien, Coimbatore. The event will be honored by the presence of Padma Shri Dr.
D R Karthikeyan, President of the Foundation for Peace, Harmony and Good Governance (Age Care India) and Former Director of the Central Bureau of Investigation, as the chief guest. Additionally, Dr. E Balagurusamy, Chairman of the EBG Foundation and Academic Adviser to the Governor of Jharkhand, will serve as the guest of honor. Starting next year, the award will be presented annually to one outstanding individual.
Honoring Visionaries
The 16th edition of the MBA Award will honor five exceptional business leaders from Tamil Nadu:
Shri Soundararajan Bangarusamy: As the Chairman of Suguna Foods and Suguna Holdings, he has elevated Suguna Foods to be the 3rd largest poultry producer in
Asia, providing livelihoods to over 40,000 farmers and supporting over 200,000 people through contract farming.
Shri C K Kumaravel: The cofounder and CEO of Groom India Salons, Kumaravel has transformed Naturals into India's largest salon chain, with a vision to empower 1000 female entrepreneurs and create 50,000 jobs.
Shri V C Praveen: Vice Chairman of the Sree Gokulam Group of Companies and President of Gokulam Kerala FC, Praveen is a dedicated philanthropist and sports enthusiast, known for his significant contributions to education and healthcare.
Shri V R Muthu: As a cofounder of the Idhayam brand,
Dr. Ajit Ravi’s legacy is one of vision, excellence, and unwavering commitment to empowering individuals and celebrating achievements. Under his leadership, Pegasus has become a beacon of inspiration in the event management industry, and its journey remains a testament to the power of vision, innovation, and dedication.
Muthu revolutionized marketing techniques in the Gingelly Oil industry, making Idhayam a trusted household name through innovative advertising and quality commitment.
Dr. Arun N Palanisamy: Executive Director of the KMCH group of hospitals, Arun Palanisamy has driven significant advancements in patient care and hospital management, making KMCH a leader in multi-organ transplants and advanced medical procedures. A Forum of Brilliance
The establishment of the Federal International Chamber Forum (FICF) is yet another milestone in Dr. Ajit Ravi’s illustrious career. This exclusive forum, comprising MBA Awardees, aims to harness the collective wisdom of its members for the betterment of society. The FICF stands as the world's richest club and a pinnacle association of Multi-
billionaire Business Achievers, symbolizing exceptional achievement, business excellence, and a profound commitment to social causes.
Illuminating Minds: The Unique Times Conclave
The Unique Times Conclave is another testament to Dr. Ajit Ravi’s vision. This dynamic forum brings together brilliant minds from various sectors to discuss, debate, and share insights on pressing issues. The 2024 conclave will focus on "Globalization and Its Influence on Education and Business," moderated by Dr. Kuriachan K A, Former District Governor of Rotary International and International Corporate Trainer. This conclave is a melting pot of ideas, fostering collaboration and innovation.
Envisioning the Future: Pegasus’s Path Forward
As Pegasus looks to the future,
Dr. Ajit Ravi’s visionary leadership continues to drive its growth and success. The expansion of the MBA Award to a pan-India scale, starting with Tamil Nadu, marks a significant milestone. With the upcoming MBA Award, Pegasus continues to set new benchmarks for excellence and innovation. Completing 15 years and continuing this legacy is a rare achievement, with Dr. Ajit Ravi’s true dedication and commitment being the driving force behind this success.
Dr. Ajit Ravi’s legacy is one of vision, excellence, and unwavering commitment to empowering individuals and celebrating achievements. Under his leadership, Pegasus has become a beacon of inspiration in the event management industry, and its journey remains a testament to the power of vision, innovation, and dedication
Dr Arun Oommen
MBBS, MS ( Gen Surg), Mch( Neurosurgery),MRCS Ed (UK) , MBA(Hospitaladministration),ENLS,D Litt(H), Phd(H), D Sc(H) Neuro Endoscopy Fellow Senior Consultant Neurosurgeon VPS Lakeshore Hospital Kochi, India.
In the near future, AI is expected to provide medical practitioners with the latest medical information to support better clinical decision-making, reduce human errors, and potentially even replace human judgment in specific healthcare functions.
Judicious Use of Artificial Intelligence (AI) Is Poised to Make Giant Strides in the Healthcare Sector
AI has revolutionized the healthcare industry and let's checkout how AI will assist and impact patients, clinicians, administrative and the operational areas of the healthcare industry. Artificial intelligence, also known as AI, is subtly making its way into our daily lives. It has become increasingly difficult to discuss technology without mentioning AI. AI manifests itself in different ways and is starting to have an impact on our everyday activities. Whether it's logging into social media, conducting web searches, using digital personal assistants, shopping online, seeing advertisements, or utilizing ride-sharing services, AI algorithms are being used to enhance the user experience.
What is AI?
AI, or Artificial Intelligence, was first envisioned in the 1950s with
the aim of allowing machines or computers to mimic human thinking and learning processes. Companies such as Facebook (for instance, in facial recognition) and Google (for example, in search recommendations and route optimization) heavily rely on AI technology. Nevertheless, the healthcare sector has only begun to scratch the surface of the immense potential and possibilities offered by AI. The contemporary healthcare system is presently encountering significant obstacles intensified by the pandemic, an increase in lifestyle-related illnesses, and a growing global population. The positive development is that the utilization of artificial intelligence to develop intelligent procedures and workflows has the potential to render healthcare more affordable, efficient, personalized, and fair.
Artificial Intelligence (AI) is rap-
idly gaining traction in the healthcare industry and has the potential to revolutionize the field. With its machine learning (ML) and natural language processing (NLP) capabilities, AI is ushering in a new era in healthcare, with the goal of enhancing various aspects of patient care, healthcare professionals, and their interactions with patients. AI has the ability to excel in all areas of the healthcare sector, from cancer treatment and managing chronic illnesses to interpreting radiology images and assessing risks. By utilizing AI, healthcare providers can implement more precise, efficient, and impactful interventions at the most critical moments in a patient's treatment. In the near future, AI is expected to provide medical practitioners with the latest medical information to support better clinical decisionmaking, reduce human errors, and
potentially even replace human judgment in specific healthcare functions. AI in healthcare refers to the use of deep learning algorithms to interpret, review, analyze the data that is fed by doctors, researchers, and scientists into computers to find solutions to complex medical problems. AI is employed in clinical practices such as developing treatment protocols, diagnosis processes, drug development, patient monitoring, tailoring treatments, and more.
1.
Advanced Machine Learning for Medical Diagnosis and Radiography
AI has demonstrated encouraging outcomes in the realm of early diagnostics, as prompt diagnosis is crucial for a patient's care and treatment. Clinicians utilize AI deeplearning and image interpretation algorithms to compare a patient's scans with a vast number of scans
from healthy individuals, thereby expediting the diagnosis of illnesses and providing optimal treatment. These advanced algorithms enable a detailed analysis of scans at the pixel level, identifying subtle nuances that may elude human observation and leading to improved diagnostic accuracy. AI-powered algorithms have the capability to examine medical images like X-rays, MRIs, and CT scans in order to precisely detect conditions such as cancer, fractures, and cardiovascular diseases etc..Through machine learning models, patterns and irregularities in medical data can be identified, thus assisting in the early detection of diseases. As radiologists dictate, natural language processing is utilized to identify secondary issues for further evaluation, which may have previously gone unnoticed. This proactive approach aims to address potential health issues before
they escalate. The transformative potential of AI in healthcare lies in reshaping clinical workflows. AI has the capability to streamline tasks by either automating them entirely or enhancing the performance of healthcare professionals. By leveraging AI, organizations can optimize outcomes for patients and empower their staff to deliver superior care. Success in healthcare will be determined by the ability to revolutionize workflows and embrace machine learning and AI to establish an intelligent healthcare system.
2.
Creating Advanced Medical Technology
AI-powered medical devices are designed to enhance patient care. Intelligent devices play a crucial role in monitoring patient's health by analyzing data from each individual patient and comparing it to data from a large group of patients. These
Rather than replacing roles, the development of an intelligent health system will enhance clinicians' capabilities, leading to improved patient outcomes.
devices assist healthcare providers in managing chronic illnesses through sensor-based patient monitoring, enhancing the quality of medical imaging with AI-powered scanning devices, and ensuring patient compliance with treatment plans by utilizing AI and IoT technologies. Machine learning and AI are frequently utilized to forecast various outcomes, such as emergency department volumes for improved staffing and triage management, as well as determining the most effective treatments for women diagnosed with breast cancer.
3. The Exploration and Development of Pharmaceutical Substances
AI solutions are currently in development to analyze extensive databases of information on current medications in order to identify potential new treatments, which could be modified to combat serious threats eg the Ebola virus. This has the potential to enhance the effectiveness and rate of success in drug development, expediting the process of introducing new medications to the market in response to life-threatening diseases.
In light of the rise of new diseases, crucial information is spread across various sources such as news reports, local health department bulletins, online medical publications, and more. An editorial in Medical Science Monitor recently pointed out that AI algorithms have the potential to sift through this vast amount of data and highlight the pathogens that could lead to a pandemic. As highlighted in the editorial, back in December 2019, an online infectious disease surveillance system had already mentioned a suspicious cluster of pneumonia-like symptoms before the concerns about
COVID-19 were widely recognized. If AI had been utilized at that time, it could have potentially alerted epidemiologists sooner, enabling them to focus their efforts on identifying and containing the spread of COVID-19.
4. Client Admission and Supervision
Patient intake and engagement are crucial components of the healthcare journey, where AI can significantly enhance the process. Recent advancements in natural language processing have made it possible to automate patient screening and care navigation through conversational interfaces. These interfaces allow patients to communicate their symptoms and inquiries via text or voice input, receiving automated clinical guidance in return. The utilization of AI can enhance patient interaction and engagement, lower costs, increase access to healthcare services, and deliver quality primary care to a broader population, including those in remote areas. Furthermore, chatbots are rapidly evolving with NLP technology, paving the way for more sophisticated conversational AI. The future of patient communication is poised to become increasingly automated in the years to come.
AI-driven applications have the capability to optimize administrative duties for healthcare institutions, such as managing billing, scheduling appointments, and addressing patient inquiries. Robotic Process Automation (RPA) has the potential to enhance effectiveness in handling medical records and processing claims within the healthcare industry.
Through the analysis of extensive historical patient data, artificial intelligence (AI) solutions can offer immediate assistance to healthcare
providers in identifying patients who are at risk. One key area of focus is predicting re-admission risks, particularly in pinpointing individuals with a higher likelihood of returning to the hospital within 30 days of being discharged. Various companies and healthcare systems are currently working on developing solutions that leverage data from patients' electronic health records, partly driven by the growing resistance from payers to cover the costs of hospital readmissions. Recent studies have also shown the capability to forecast the risk of cardiovascular disease solely by examining a still image of a patient's retina. Appointment cancellations and patient no-shows can significantly impact healthcare providers financially. Utilizing RPA for online scheduling can reduce manual tasks, increase appointment attendance, and generate detailed reports on patient preferences across various platforms. This optimization leads to improved patient experiences, reduced errors, and better utilization of doctors' time.
5. Managing Revenue
Revenue cycle management (RCM) is a crucial and complex administrative task for healthcare providers. It involves a series of procedures used by healthcare providers to monitor and receive payments for the services they provide to patients. Due to the involvement of various stakeholders in overseeing payment reimbursements to the healthcare system, such as private insurers, government agencies, employers, and others, errors and delayed payments are frequent. AI can assist administrative departments in automating revenue cycle management to improve the reimbursement process.
Challenges of AI in Healthcare
Despite the significant advancements in AI, the healthcare industry is still in the early stages of fully grasping the potential of AI. AI has the capability to revolutionize healthcare, but the main obstacle lies in ensuring the integration of AI-based tools into everyday clinical practices. Concerns such as data privacy, regulatory compliance, and stakeholder involvement are some of the challenges faced by healthcare leaders. Standardization, regulatory approval, physician training, and regular updates are essential for the widespread adoption of AI systems. AI solutions are expected to play a vital role in improving healthcare delivery, optimizing clinical resources, and enhancing patient outcomes. With the increasing adoption of AI in medicine, personalized and effective healthcare will become more accessible to a larger population. The rapid acceleration of AI adoption in healthcare indicates a promising fu-
ture for the industry.
The advancements made possible by AI are numerous, but experts warn that this technology also faces obstacles and constraints. It is crucial to understand how AI models arrive at their conclusions in order to build trust and ensure the justifiability of their results. Without a clear understanding of their inner workings, users may be hesitant to fully embrace AI solutions. Additionally, the development and implementation of AI systems require resources such as computing power, specialized expertise, and infrastructure, which are not equally accessible to everyone. This could worsen existing inequalities and raise concerns about the sustainability and environmental impact of this resourceintensive technology. Oversight is essential for the widespread public benefit of AI in healthcare. AI is a tool that complements human work rather than replacing it, provided it is used effectively. With numerous challenges to overcome, driven by
well-documented factors such as an aging population and increasing rates of chronic disease, the need for innovative healthcare solutions is evident. While AI-powered solutions have made progress in addressing key issues, they have yet to have a significant overall impact on the global healthcare industry, despite the considerable media attention they have received. If several key challenges can be addressed in the coming years, AI could play a leading role in shaping the future of healthcare systems, enhancing clinical resources, and ensuring optimal patient outcomes.
In order to adjust to upcoming trends and the incorporation of AI in the healthcare sector, clinicians must recognize the potential of this innovative technology and acknowledge the evolving landscape. Rather than replacing roles, the development of an intelligent health system will enhance clinicians' capabilities, leading to improved patient outcomes
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 2024 – A BRIEF REVIEW OF SOME OF THE KEY DIRECT TAX PROPOSALS – PART I
The Union Budget 2024 marks the first Budget of Modi 3.0. The overall theme of the Union Budget 2024 has been the emphasis on employment, skilling, education, women empowerment, whilst also focusing on the middle class. The Budget has laid down a roadmap for “Viksit Bharat” and has envisioned efforts across nine priorities which include inclusive human resource development and social justice, manufacturing and services, energy security, infrastructure, innovation and research and development, and next-generation reforms.
Unfortunately, as a few would reckon, some of the proposals in the Finance Bill, 2024 (“the Bill”) has
been caught in various controversies. On a positive side, the Government initiative to abolish the system of angel taxation as envisaged under Section 56(2)(viib) with effect from 01 April 2024 is a welcome initiative.
In this article, I intend to delve on some of the key proposals in the Bill from a direct tax standpoint. One must bear in mind that these are proposals, which would become law once the Bill is passed by both the houses of Parliament and after obtaining the assent of the Hon’ble President.
A welcome change that has caught my attention is the plan of the Government in reviewing the provisions of the Income-tax Act, 1961 in order to make it lucid,
concise and taxpayer friendly. The Government plans to overhaul the Income-tax Act, 1961 within a period of six months, which is welcome. I would hope that the changes are futuristic duly bearing in mind the doctrine of certainty in taxation. I would also hope that the new law would not evolve into a breeding ground of litigation akin to the laws governing Goods & Services Tax.
CHANGES IN THE SLAB RATES – PERSONAL TAX RELATED
The Bill proposes changes in the overall slab structure. For ease of reference, the changes have been tabulated below, which would indeed less the overall burden on the average middle class.
To add further impetus to the new tax regime, the standard deduction for taxpayers opting for the new tax regime has been enhanced from INR 50,000 to INR 75,000. Further, the deduction available towards pension scheme relating to employer’s contribution has been increased from 10 percent to 14 percent in case the employee has opted for the new tax regime.
RATIONALIZATION OF THE REGIME GOVERNING TAXA-
TION OF CAPITAL GAINS
The Finance Bill 2024 proposes a major shift in the regime governing capital gains with effect from 23.07.2024. The norms governing the period of holding for determination as regards whether a capital asset is classifiable as a long term or short-term capital asset is now going through a process of significant changes. For ease of reference and better understanding, these have been tabulated below:
The Bill has many other aspects which include reforms in the context of reassessment, the framework governing TDS and TCS and the abolishment of equalization levy, which also merit consideration.
The rate of taxation for all long term capital gains is proposed to be rationalized to 12.5 percent. Notably, the benefit of indexation has been stripped off, which has caused a lot of fury even in the Lok Sabha. I would hope that the Government would reconsider this as the benefit of indexation allows a taxpayer to adjust the cost of acquisition of their property to factor inflation. In my view, the Government should grant the taxpayer an option whether he wishes to be governed by the lower tax regime of 12.5 percent without the benefit of indexation or a higher rate of tax where the benefit of indexation would be granted. This would assuage the concerns of the taxpayers.
NEW REGIME GOVERN-
ING
BUYBACK
OF SHARES EFFECTIVE FROM 01 OCTOBER 2024
The Bill proposes to abolish the current buyback tax regime. Under the current regime, a company opting to buyback its shares is required
to pay an additional tax at the rate of 20 percent plus applicable surcharge and cess. Once the said tax is paid by the Company on the buyback of shares, the shareholders were exempt from paying any further tax.
The Bill proposes to tax the shareholder on amounts received consequent to buyback of shares. The amounts so received would be reckoned as “dividend” and taxed in the hands of the shareholder as “Income from Other Sources”. The Bill further states that no deduction shall be allowed against the said income.
DIRECT TAX VIVAD SE VISHWAS SCHEME, 2024
Owing to high pendency of cases pending before various appellate forum, the Government has proposed to introduce a new scheme called the Direct Tax Vivad Se Vishwas Scheme, 2024 (“the Scheme”). The Scheme provides for resolution of disputes pending as on 22 July 2024 subject to pay-
ment of certain specified amounts within prescribed timelines.
The Scheme also covers cases where (i) appeals/writ petition/special leave petition (SLP) relating to disputed tax, interest, penalty or fee is pending before the appellate authorities / High Court or the Supreme Court (ii) objections are filed before the Dispute Resolution Panel (“DRP”) and the DRP is yet to issue directions, (iii) DRP has issued directions, however, the tax authority is yet to pass an assessment order in conformity with such directions, (iv) revision application is filed by the taxpayer before the Commissioner.
The Bill has many other aspects which include reforms in the context of reassessment, the framework governing TDS and TCS and the abolishment of equalization levy, which also merit consideration. I intend to cover the other changes in the subsequent editions. I would hope that further clarity would evolve in the coming days
Rajiv Ambat is a well-known speaker and author of the best-selling book - 'The Midriff Crisis' and a lifestyle expert. Under the guidance of Mr Rajiv, his team at SOLVEMyHealth help their clients manage sleep disorders, apart from dealing with male sexual health conditions. At NuvoVivo, his team specialises in managing various lifestyle disorders of their clients through structured and scientific diet and exercise protocols customised for each individual.
10 Common Health Myths: Separating Facts from Fiction
In an age where health and wellness information is more accessible than ever, equally rampant is the menace of misinformation. With a barrage of diet trends, exercise fads, and wellness advice circulating online and through social media, separating fact from fiction can be challenging. Studies show that health misinformation spreads rapidly, with false claims about health topics circulating 70% faster on social media than accurate information. This proliferation of myths not only confuses but can also lead to poor health choices and outcomes.
In this article, we’ll explore 10 prevalent health myths related to nutrition and exercise clarifying the truths behind these misconceptions. Some of these myths are so deeply rooted in many people’s minds and
day-to-day experiences that they may seem controversial. However, each myth will be examined through a scientific lens to debunk common misunderstandings. My goal is to equip you with scientific information, empowering you to make informed decisions.
Myth 1: Eating Rice Will Make You Overweight or Diabetic
The notion that rice alone causes weight gain or diabetes is a misunderstanding. Weight gain results from consuming excess calories, not from any single type of food. Whether you eat rice, wheat, or any other food, if you consume more calories than you expend, you will gain weight. In regions like South India, where rice is a staple, it is often over-consumed, leading to weight gain and associated lifestyle diseases,
including diabetes. However, rice itself is not the villain; rather, it is the quantity consumed.
If rice were the sole culprit behind weight gain or diabetes, then individuals in the North of India, where wheat is more common, should be free of these issues. The reality is that cutting down on rice may help with weight management and disease prevention, but this is usually because it addresses the problem of overeating. You can enjoy rice and maintain good health if you manage your caloric intake and balance your diet with adequate protein, fats, and other nutrients, while also engaging in regular exercise and ensuring proper rest. The key is moderation and balance rather than blaming a specific food.
Myth 2: Increasing Protein Intake is the Answer to Bet-
The idea that yoga is the best exercise overlooks the unique benefits offered by different types of physical activities. Each form of exercise—cardio, weight training, and yoga—provides distinct advantages that contribute to overall health.
ter Health
The belief that simply increasing protein intake is the key to better health is a common myth. While protein is an essential nutrient important for muscle repair, immune function, and overall bodily maintenance, it is not a one-size-fits-all solution for improving health. A balanced diet that includes a variety of nutrients—proteins, carbohydrates, fats, vitamins, and minerals—is crucial for overall well-being.
Excessive calorie intake, regardless of the source, leads to weight gain. This applies to protein as well; consuming too much protein and ending up in a calorie surplus will result in weight gain. Additionally, increasing protein intake without considering kidney health, especially in cases like Diabetic Kidney Diseases and other chronic kidney diseases, can pose serious health risks. Similarly, increasing protein intake mindlessly may spike blood uric acid levels and cause gout.
Protein does have a higher satiety effect compared to carbohydrates - 100 calories from protein can keep you feeling full longer than
100 calories from carbohydrate-rich foods. This can reduce the likelihood of overeating and help with weight management. However, consuming excessive amounts of protein is not a panacea for weight loss and can even lead to weight gain if it results in a calorie surplus. For optimal health, focus on a balanced diet and consider protein intake as part of a comprehensive nutritional strategy rather than the sole answer to better health.
Myth 3: Fat is Bad for You and Causes Weight Gain
The belief that all dietary fats are bad and lead to weight gain is a common misconception. In reality, fats are an essential part of a balanced diet and play critical roles in the body. However, fat is much more calorie-dense - one gram of fat has 9 calories, as compared to 4 calories in protein and carbs. Fats are also hydrophobic, meaning they do not mix with water, unlike proteins or carbohydrates. This means while protein or carb-rich food comes along with water, fat need not be mixed up with water and this property contributes to its higher calorie density.
For example, one tablespoon of oil, which is approximately 15 grams, contains about 145 calories, all from fat. In contrast, one tablespoon of cooked rice, which is roughly 15 grams, provides approximately 15 - 20 calories only (because of the water content in cooked rice). Because of this, even small increases in oil intake can significantly raise overall calorie consumption, making it easier to exceed daily calorie needs leading to weight gain.
The general recommendation for fat intake for an average adult is roughly 50 - 80 grams of fat per day on a 2,000-calorie diet. Fat also helps in the absorption of fat-soluble vitamins A, D, E, and K and supports hormonal balance by contributing to the production of hormones like estrogen and testosterone.
Note that it's important to differentiate between healthy and unhealthy fats. Healthy fats, such as those found in avocados, nuts, seeds, and olive oil, support heart health and provide essential fatty acids necessary for various bodily functions. On the other hand, unhealthy fats, such as trans fats and excessive
amounts of saturated fats found in processed foods and fried items, can contribute to health issues like heart disease and weight gain.
In short, fat is a double-edged sword. While excess fat is definitely not recommended, it should not be eliminated from the diet completely. Instead, focus on incorporating healthy fats in adequate quantities and maintaining a balanced diet to support overall health and wellbeing.
Myth 4: Walking is an Exercise
This may come across as controversial to some. I'm not dismissing the benefits of walking; it's a fantastic cardiovascular activity and certainly a better alternative than being a couch potato with a sedentary lifestyle. Also, walking may be the only form of activity that may be advisable for the geriatric population. However, walking is more of an "activity" rather than an exercise.
Many adults, especially those aged 30 to 60, rationalise walking as an exercise when they are capable of incorporating more strenuous forms — such as strength training, yoga or high-intensity cardio. Walking, while beneficial, will not fully address all fitness goals or provide a well-rounded approach to health and fitness.
Walking would do very little towards improving muscle quality, strength, body composition and overall fitness. Exercises, including resistance training, higher-intensity cardiovascular workouts and yoga, are necessary to achieve this. Such a well-structured exercise can improve glucose utilisation and various metabolic activities and ward off lifestyle diseases much more effectively than an activity like walking. Do not shy away from going out for a walk. But, make sure you do not equate that to an exercise.
Myth 5: Weight Training is only for
Young Boys or Body Builders
As we age, muscle mass declines
naturally - a process called age-related sarcopenia. This can impact mobility, strength, and overall quality of life. Weight training helps to counteract sarcopenia by stimulating muscle growth and maintenance, improving muscle function, and enhancing bone density.
Historically, weight training wasn't confined to the gym. Many traditional tasks, such as lifting water from wells using pulleys or grinding grains to make dosa batter, etc, involved significant muscle engagement and served as practical forms of resistance training. These activities helped maintain physical strength and endurance in daily life.
Weight training is beneficial for both men and women, regardless of age. Weight training does not make a woman look masculine; it only makes women more toned and sexy. For younger individuals, it builds strength, supports athletic performance, and promotes overall health. For older adults, it helps preserve muscle mass, improve balance, and reduce the risk of falls.
However, like every other exercise, it's essential to approach weight training also with caution, particularly for those with existing health conditions or physical limitations. Proper technique, gradual progression, and, if necessary, guidance from a fitness professional or healthcare provider can ensure a safe and effective weight training regimen.
Myth 6: Detox Drinks
No specific juice or food can uniquely detoxify our body. If someone claims that a particular juice or detox drink has special detoxifying effects, ask them to specify the name of toxins that it removes and the exact process by which it achieves this. Modern science does not have any evidence that supports the claims that beverages like cucumber juice or other detox drinks have distinct mechanisms for eliminating any specific toxins.
The organs responsible for de-
toxification in the body are the liver, kidneys, skin, and alimentary canal. These organs work continuously to remove and process toxins from the body. A well-balanced and fibre-rich diet along with adequate water intake will definitely improve these organs ability to remove toxins from the body. No detox drinks can replace their job.
Detox drinks may help you to lose some weight or improve health - but these benefits are attributed to their low-calorie content and high fiber, which can help reduce total calorie intake and not to any detox mechanism. The same results could be achieved if one drinks adequate water and includes enough veggies in the diet.
Myth 7: Yoga is the Best Exercise
The idea that yoga is the best exercise overlooks the unique benefits offered by different types of physical activities. Each form of exercise— cardio, weight training, and yoga— provides distinct advantages that contribute to overall health.
Cardiovascular exercise improves heart health, enhances endurance, and helps in weight management by increasing calorie burn. Weight training focuses on building muscle strength, improving glucose utilization, and boosting metabolism. Yoga, on the other hand, activates the parasympathetic nervous system, which helps reduce stress, lower blood pressure, and improve flexibility and balance.
It’s incorrect to pit one exercise type against another and declare one as superior. Each type of exercise serves a specific purpose and offers unique benefits. For optimal health, a well-rounded exercise routine should incorporate all three types— cardio, weight training, and yoga—to address various aspects of physical fitness and well-being.
Myth 8: You Can Spot Re-
duce Fat from Belly
The idea that you can target fat
loss from specific areas of the body through localised exercises, like crunches for belly fat, is a common misconception. The body does not selectively remove fat from the area that is being exercised. Instead, when you engage in physical activity, such as abdominal exercises, you strengthen and build muscle in that area. However, fat loss occurs as a result of creating a calorie deficit—burning more calories than you consume—and is not localised to the muscles being worked.
Fat loss is influenced by the overall reduction of body fat, which is determined by genetics, overall body composition, and the type of fat cells in different areas. The body tends to lose fat from areas where fat cells are less stubborn, which often includes the face and upper back, before it reduces fat from the belly.
Performing exercises like crunches may not only be ineffective for spot reduction but can also lead to issues such as lower back pain or disc problems if done excessively or with improper form. To effectively reduce belly fat, focus on creating a calorie deficit through a balanced approach that includes a
healthy diet, cardiovascular exercise, and strength training. A comprehensive fitness routine is more effective for reducing body fat and improving overall health than attempting to target fat loss from specific areas.
Myth 9: If You're Not Sweating, You're Not Exer-
cising
Enough
Sweating is primarily a response to regulate body temperature and can be influenced by various external factors, rather than indicating the intensity or effectiveness of your workout.
For example, you could perform the same exercise with the same intensity in an air-conditioned room versus a non-air-conditioned room and experience different levels of sweating. In a cooler environment, you might sweat less because your body needs less effort to maintain a stable temperature. Conversely, in a humid or hot environment, even standing still can make you sweat profusely due to the increased heat and humidity.
Sweating is not a reliable indicator of workout intensity or effectiveness. The quality of exercise should be assessed based on factors like the
heart rate, effort level, and overall physical challenge rather than the amount of sweat produced.
Myth 10: Green Tea or Lemon and Honey for Weight Loss
While green tea is known for its antioxidants and potential health benefits, it does not directly cause weight loss. Green tea contains compounds that may support overall health and enhance metabolism slightly, but drinking it alone will not lead to significant weight loss. The same goes for lemon and honey mixtures. Lemon may offer vitamin C and honey may provide some nutritional benefits, but neither has a direct impact on fat loss.
Effective weight loss fundamentally requires a calorie deficit—consuming fewer calories than you expend. No specific food or drink can single-handedly produce this deficit. Green tea, lemon, and honey can be part of a healthy diet, but they should not be relied upon as weight-loss solutions. The key to losing weight is a balanced diet combined with regular physical activity to achieve and maintain a calorie deficit
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.
Your brand image is what sets you apart from the rest of the counterparts and competition. It is the way how the world and your customers perceive you.
YOUR CULTURE IS YOUR BRAND!
Acompany is conceived first in your mind. You carry it in your heart and thoughts for a considerably long time before you decide to take a tangible action on it. Most of the time, a venture you start is born out of passion. Hence the development and growth of that baby of yours would be of extreme importance to you. The right degree of branding is one way to sustain your dream in reality for the longest time possible. Your brand image is what sets you apart from the rest of the counterparts and competition. It is the way how the world and your customers perceive you. Whether you are a small shop owner or is running a multi-national company, it’s important you brand your business in the right way inorder to reap results and benefits. It helps you increase your business value by leaps and bounds, giving your company a distinct edge in the marketplace. Your brand has many components combined together – your logo, theme, color, online handles, product/brand positioning, designs, packaging, communications, your products and services. Hence, by the end of the day, it’s what you offer to the world. How you want the world to see you. How you want to be
understood, felt, recognized and connected with. It is your identity and reputation.
Think of a phone – what comes into your mind, Apple? A search engine – Google? A coffee shop – Starbucks? A computer, Channel, Shoe … ? Which brand comes to your mind first from the millions of brands under the same category? If your branding is strong, the name springs up naturally to your mind. So, branding makes you recognizable from the rest of the crowd. It is somehow more familiar to you. It is your credibility in the market – You’ve worked on it for years together, building one brick on another, one step at a time. Whether it be Amazon, Kellogg's, Mcdonald's, or Tata, it all never was built overnight. All these brands had to weather the negative comments, challenges, random setbacks, and yet survive against all the odds. Like Jeff Bezos says, "Your branding is what other people say about you when you are not in the room". It is the recognition, credibility, loyalty, great customer support/ after sales, values and policies, consistency, etc. you have built and maintained over the years.
One most important thing as in every other business, the success in branding too, you
Your logo and slogan should communicate your character, the values your company holds and why your customer should identify with your brand. Your product packaging should reflect these values and ethics.
need to thoroughly understand the needs and interests of your customers. It is the relationship and the emotional connect that you build with your regulars that makes you win their hearts, and inturn makes you a successful brand. People choose a product after hearing reviews. They go with a brand when they recognize the loyalty, innovation, consistency and commitment the brand shows to society, by producing superior quality products and services. Sometimes even if all the packaging and color theme looks the same, one decides to buy a particular brand only because of the trust the brand has built over the years. Hence how you position your brand in the market will definitely influence the customer's decisionmaking process. Excellent branding helps you connect with your target audience faster, attract new customers, retain the existing ones and keep customer loyalty stable.
Your logo and slogan should communicate your character, the values your company holds and why your customer should identify with your brand. Your product packaging should reflect these values and ethics. The choice of words, messages, ideas, and every interaction you decide to have with the world, online and offline, should be carefully reflected through any posts on social media platforms, internal communications, websites or billboards. Every move you make subconsciously communicates the value of your product to your customer. You should be able to connect with them on a deeper level. Establishing a consistent image is the key. Your brand is what you promise to give to your customers. Create your future by being your genuine self.
Revisiting your brand's performance in regular intervals is significant and inevitable. Your brand's current performance is a yardstick for the strategies you would be making for your brand's voice tomorrow. Customer feedback is the most important thing here. Make sure you let them know how much you value their opinions, feed-
backs, criticisms and appreciation. A brand is to constantly evolve. Like we know the only thing that doesn’t change is ‘change’, your brand also needs to go through different phases of a productive evolutionary process inorder to be able to adapt to the market changes. This will enable you to devise new ideas, be open to modifications, and to boldly introduce innovations.
Your stakeholders include your business partners, collaborators, existing clients, your future possible clients and also your employees. Having an exceptional employee satisfaction can itself build a great brand image for you among your customers, as the internal agreement within the company will definitely reflect in work excellence and as word of mouth. Good branding easily can drum up a referral business, and a steady exponential growth. Internal culture will undeniably affect your external recognition. Your brand clarifies the role you want to play in their lives.
Today, branding is not just about the visual identity anymore. Your brand image is an asset that creates sales and revenue for your business. How many ever copycats you might have around you, they cannot be you, if you have built a strong reliable brand image. With the heightened influence of social media, your consumers get exposed to several hundreds of your competitors on a daily basis. Competition is really high today. If one pulls in a larger amount of advertising investment, it is easy nowadays to bombard the consumer with imagery of a product. However, whether they stay longer term or not always depends on the consistent performance of their brand. So, you need to go that extra mile inorder to secure your safe position in the market. It's not only about the aesthetic components but about making a memorable lasting impression on how you distinguish yourself from the rest. Brand is your own voice and just make sure that it is loudly heard the way you want it – And have creative fun while you are at it!
Savor the Benefits of Vitamin K: Eat Your Way to Better Health
In our lives, beauty goes hand in hand with health, both of which are immensely important. Just as external beauty is significant, the proper functioning and overall health of our body are also essential, and vitamins play a crucial role in this. One such group of vitamins vital for blood clotting and wound healing is Vitamin K. This vitamin is also beneficial for bone health and heart health. A deficiency in Vitamin K can affect the health of our lungs as well. Let's explore some natural food sources of Vitamin K.
Leafy Greens
Leafy greens like spinach
and broccoli are top sources of Vitamin K. Spinach is rich in iron and folate, which support red blood cell production and DNA repair. Broccoli provides magnesium for muscle function and Vitamin E, an antioxidant that protects cells. These greens are vital for overall health and nutrition.
Eggs
Eggs are a protein-rich food that promotes satiety, making them a staple in weight-loss diets. Besides protein, eggs are a significant source of Vitamin K, crucial for blood clotting and bone health. They also contain Vitamin D for bone health and
choline for brain function, making them a nutritious choice.
Cheese
Cheese is abundant in Vitamin K, supporting blood clotting and bone health. It also provides Vitamin A for vision, Vitamin B12 for nerve function, Vitamin D for calcium absorption, and protein for muscle repair. Including cheese in your diet contributes to overall health in a tasty way.
Green Peas
Green peas are rich in Vitamin K, essential for blood clotting and bone health. They also offer fiber for digestion, protein for muscle growth, and iron for oxygen transport. Additionally,
they contain Vitamins A and C, which support immune function and skin health, making them a nutritious addition to meals.
Cucumber
Cucumber is favored for its high-water content and lowcalorie count, making it a refreshing diet choice. Though it has lower nutritional content compared to other vegetables, it is a good source of Vitamin K. Its mild flavor and crisp texture make it a versatile ingredient in salads and snacks.
Soybeans
Soybeans are high in protein, with over thirty percent protein content, and are an excellent source of Vitamin K. They also provide fiber for digestion and various vitamins and minerals, including iron and magnesium. This makes soybeans a nutritious option for
a balanced diet.
Kiwi
Kiwi is a tangy fruit rich in both Vitamin K and Vitamin C. Vitamin K supports blood clotting and bone health, while Vitamin C acts as an antioxidant, aiding the immune system and skin health. Kiwi also contains dietary fiber and potassium, enhancing its nutritional profile.
Avocado
Avocado is renowned for its health benefits and is packed with essential vitamins and antioxidants. It provides Vitamin K, which is crucial for blood clotting and bone health, along with magnesium, potassium, B vitamins, and dietary fiber. Its nutrient-dense profile makes it a valuable addition to a balanced diet.
Blueberries
Blueberries are a nutrientdense fruit loaded with Vitamin
K and antioxidants. Vitamin K supports blood clotting and bone health, while antioxidants, especially anthocyanins, help protect against oxidative stress and inflammation. Blueberries also offer fiber and Vitamin C, enhancing their health benefits.
Prunes
Prunes, or dried plums, are rich in antioxidants and fiber, making them excellent for digestive health. They contain Vitamin K, essential for blood clotting and bone health, and their natural sweetness adds nutritional value. Prunes are a convenient and healthy snack or ingredient in various dishes. These foods provide a range of nutrients beyond Vitamin K, supporting overall health and well-being. Incorporating them into your diet can contribute significantly to maintaining a balanced and healthy lifestyle
Rs. 94,990 (approximately)
Android v14
6.3 inches (16 cm) Display
50 MP + 48 MP + 48 MP Primary Camera
42 MP Front Camera
16 GB RAM
128GB Internal Storage
4, 650 mAh Battery Capacity
Rs. 47,396 (approximately)
Android v14
6.78 inches (17.22 cm) Display
50 MP + 8 MP + 2 MP Primary Camera
16 MP Front Camera
12 GB RAM
256 GB Internal Storage
6100 mAh Battery Capacity
Rs 45,990 (approximately)
Android v14
6.67 inches (16.94 cm) Display
50 MP + 8 MP + 2 MP Primary Camera
16 MP Front Camera
12 GB RAM
256 GB Internal Storage
5000 mAh Battery Capacity
Rs. 79,999 (approximately)
Android v14
6.5 inches (16.51 cm) Display
48 MP + 12 MP + 12 MP Primary Camera
12 MP Front Camera
12 GB RAM
256 GB Internal Storage
5000 mAh Battery Capacity
Flake-Free Fabulousness: Transform Your Scalp Naturally!
Are pesky hair flakes making you self-conscious, casting a shadow over your confidence? You’re not alone. Dandruff and dry scalp issues can affect anyone, but the good news is that you don't need to rely on synthetic treatments to restore your scalp's natural balance. Embrace the power of nature with these simple, yet effective home remedies that can transform your scalp from flaky to fabulous. Dive into these natural solutions that will have your hair feeling refreshed, your scalp rejuvenated, and those flakes a thing of the past!
Aloe Vera: The Soothing Elixir
Aloe vera is a natural wonder for your scalp. Known for its soothing properties, it can reduce inflammation and itching associated with dandruff. To use aloe vera, extract fresh
gel from an aloe leaf and apply it directly to your scalp. Leave it on for 30 minutes before rinsing it off with lukewarm water. Aloe vera helps to moisturize the scalp and reduce dryness, preventing flakes from forming.
Apple Cider Vinegar: The Balancer
Apple cider vinegar (ACV) is a popular remedy for a variety of scalp issues due to its natural acidity. It helps to balance the pH of the scalp, which can prevent the growth of dandruff-causing fungi. Mix equal parts of ACV and water in a spray bottle and apply it to your scalp. Let it sit for 15 minutes before rinsing it out with water. Regular use can help to keep your scalp clean and flake-free.
Coconut Oil: The Moisturizer
Coconut oil is renowned for its moisturizing properties. It contains
Dr. Elizabath Chacko, MD-Kalpana International
fatty acids that penetrate the hair shaft and nourish the scalp. Warm up a few tablespoons of coconut oil and gently massage it into your scalp. Leave it on for at least 30 minutes or overnight, if possible, then wash it out with a mild shampoo. Coconut oil can help to reduce dryness and prevent flakes by keeping your scalp hydrated.
Tea Tree Oil: The Antimicrobial Agent
Tea tree oil has powerful antimicrobial properties that can help combat the fungi and bacteria often responsible for dandruff. Mix a few drops of tea tree oil with a carrier oil, such as coconut or olive oil, and massage it into your scalp. Leave it on for about 30 minutes before washing it out with your regular shampoo. Tea tree oil can help to soothe the scalp and reduce itching and flakiness.
Yogurt and Lemon Juice: The Exfoliator
Yogurt and lemon juice together can help to exfoliate the scalp and remove dead skin cells. The lactic acid in yogurt gently exfoliates, while lemon juice acts as a natural astringent. Mix half a cup of plain yogurt with the juice of one lemon. Apply this mixture to your scalp and leave it on for 20 minutes before rinsing with lukewarm water. This remedy
can help to keep your scalp fresh and reduce flakiness.
Olive Oil: The NutrientRich Treatment
Olive oil is another excellent natural moisturizer for the scalp. It’s rich in vitamins and antioxidants that can help to nourish and heal your skin. Warm up a small amount of olive oil and massage it into your scalp. Cover your hair with a shower cap and leave it on for about an hour. Rinse thoroughly with a gentle shampoo. Regular ap-
plication can help to keep your scalp moisturized and free from flakes.
Baking Soda: The Natural Scrub
Baking soda acts as a gentle exfoliant that can help to remove excess oil and dead skin cells from your scalp. Simply sprinkle a small amount of baking soda onto your wet scalp and gently massage it in. Rinse thoroughly with water. Baking soda can help to cleanse the scalp and reduce the buildup of flakes, but be sure not to use it too fre-
quently as it can be drying.
Dealing with hair flakes doesn’t have to be a constant battle. Incorporating these natural remedies into your hair care routine can provide effective relief and promote a healthier, flake-free scalp. Whether you choose aloe vera, apple cider vinegar, coconut oil, or any of the other remedies, consistency is key. With a little patience and the right approach, you can say goodbye to flakes and hello to vibrant, healthy hair
Discovering the Serenity of Chopta: Uttarakhand's Hidden Gem
With its lush meadows, pristine views of the Himalayan ranges, and quaint charm, Chopta promises an unforgettable experience for every traveler.
Nestled in the Indian state of Uttarakhand, Chopta is often referred to as the "Mini Switzerland of India" due to its breathtaking landscapes and tranquil ambiance. This enchanting destination, located in the Kedarnath Wildlife Sanctuary, is a haven for nature lovers, adventure enthusiasts, and those seeking a peaceful retreat. With its lush meadows, pristine views of the Himalayan ranges, and quaint charm, Chopta promises an unforgettable experience for every traveler.
Climate
Chopta enjoys a cool and pleasant climate from March to May, with temperatures ranging between 10°C and 30°C. During this period, the weather is ideal for outdoor activities and trekking. The monsoon
season arrives in July and lasts until October. During these months, Chopta experiences heavy rainfall, which can make the trekking paths slippery and challenging.
From November to March, Chopta transforms into a winter wonderland, with temperatures ranging from -15°C to 15°C. Snowfall begins in November and intensifies throughout the winter, often reaching a thickness of 4 to 7 feet by January. The entire area is blanketed in snow during this time, and some routes to Chopta may be blocked. For those wishing to reach Chopta during the snowy season, an alternative route is available from Deoria Tal, which involves a 10–12 km trek starting from Saari Village. From June to August, Chopta is often covered in clouds, obscuring views of
the Himalayan peaks. The visibility of the mountains is limited during this period. However, winter offers clear skies and unobstructed views of the surrounding mountain ranges. Places to Visit in the Area
Chopta, often hailed as the "Mini Switzerland of India," is not just a picturesque destination but also a treasure trove of natural and spiritual wonders. This charming hamlet in Uttarakhand offers a wealth of experiences for visitors, from spiritual sojourns to breathtaking treks and serene natural spots. If you're planning a trip to Chopta, be sure to explore these remarkable places that highlight the region's stunning landscapes and rich biodiversity.
Tungnath Temple
Tungnath Temple, located in the Rudraprayag District of Uttara-
khand, stands as the highest Shiva temple in the world at an elevation of 3,680 meters. This revered site is one of the Panch Kedars and is believed to be nearly 1,000 years old, with its foundation attributed to Arjuna, one of the Pandava brothers from the epic Mahabharata. The temple features traditional North Indian architecture and is surrounded by a dozen smaller shrines dedicated to various deities. According to legend, Lord Ram meditated at this site to absolve himself of the Brahmahatya curse he incurred after killing Ravana.
The temple’s extraordinary location amidst the majestic Himalayan ranges adds to its allure, draw-
ing millions of Hindu pilgrims and adventure seekers alike. The trek to Tungnath Temple, with its challenging paths and stunning views, provides a unique blend of spiritual fulfillment and natural beauty. This combination of sacred significance and breathtaking scenery makes Tungnath an ideal destination for those seeking both adventure and serenity.
Deoria Tal
Deoria Tal is situated along the Ukhimath-Gopeshwar road and can be reached via a 2 km trek starting from Sari Village. The journey to this serene lake offers a rich experience, allowing visitors to capture glimpses of village life through their cameras
and engage with the local inhabitants if possible.
Surrounded by lush pine forests, Deoria Tal is renowned for its pristine waters that perfectly reflect the surrounding pines and the majestic Chaukhamba peaks when calm. The lake is one of the main attractions in Chopta, drawing numerous visitors during the peak season who come to admire its natural beauty and tranquil setting.
Kanchula Korak Musk Deer Sanctuary
The Kanchula Korak Deer Musk Sanctuary is renowned for its population of Musk Deer and its rich, verdant flora, much of which is said by locals to remain scientifically
Whether you are seeking spiritual solace, thrilling treks, or tranquil retreats, Chopta's blend of natural splendor and cultural significance ensures a memorable journey.
unclassified. Covering an area of 5 square kilometers, the sanctuary is a lush haven of greenery that offers a captivating environment for nature enthusiasts.
Visitors can spend a significant portion of their day exploring the sanctuary, leisurely observing its diverse plant life and wildlife with a pair of binoculars. The sanctuary’s abundant vegetation and serene atmosphere make it a perfect spot for those seeking a peaceful retreat immersed in nature.
Chandrashila Peak
Chandrashila Peak, accessible via a trek from Tungnath Temple, rises to 4,000 meters and is renowned for its spectacular 360-degree views of the surrounding Himalayan ranges. From this vantage point, visitors can enjoy panoramic vistas of prominent peaks such as Nanda Devi, Trishul, and Chaukhamba. The sunrise views from Chandrashila are particularly mesmerizing, with the mountains bathed in hues of gold and pink as the day begins.
The trek to Chandrashila offers a rewarding challenge, with varied
terrain leading to one of the highest points in the region. This journey, marked by both physical exertion and awe-inspiring scenery, provides a memorable experience for those seeking both adventure and breathtaking natural beauty.
Sari Village
Sari Village, a charming settlement located on the way to Deoria Tal, offers a delightful glimpse into rural life in Uttarakhand. This picturesque village is known for its serene atmosphere and traditional lifestyle, providing a refreshing contrast
to the bustling city life. The village is surrounded by lush greenery and offers stunning views of the nearby hills and valleys, making it a pleasant stop for travelers.
Visiting Sari Village allows you to experience the local culture and hospitality firsthand. The trek to Deoria Tal begins here, and the village serves as a gateway to this scenic lake. As you stroll through Sari, you can capture snapshots of daily village life, interact with friendly locals, and enjoy the tranquil environment. The village’s rustic charm and scenic beauty make it an ideal place to immerse yourself in the natural and cultural essence of the region.
Rohini Bugyal
Rohini Bugyal, a stunning highaltitude meadow in Chopta, is a must-visit for nature enthusiasts and trekkers. The trek to this picturesque spot begins in Chopta and
typically takes around 6 to 7 hours to complete. This moderate-level trek guides you through dense forests of oak, rhododendron, and deodar trees, offering a rich tapestry of flora and opportunities for birdwatching along the way.
As you ascend, Rohini Bugyal reveals its beauty, especially during the summer months when the rhododendron flowers are in full bloom, creating a vibrant and colorful landscape. Besides being a trekker's paradise, the meadow is an excellent spot for camping, allowing visitors to immerse themselves in the tranquil beauty of the highlands and enjoy the serene views of the surrounding mountains.
A Journey of Natural Beauty and Spiritual Awakening Chopta, with its diverse offerings ranging from spiritual landmarks to natural wonders, provides a unique
and enriching experience for every traveler. From the sacred heights of Tungnath Temple to the serene beauty of Deoria Tal and the verdant expanse of the Kanchula Korak Deer Musk Sanctuary, this charming destination is a testament to the majestic allure of the Himalayas. The trek to Chandrashila Peak and the picturesque Rohini Bugyal further enhances the adventure, offering stunning vistas and immersive experiences in nature.
Whether you are seeking spiritual solace, thrilling treks, or tranquil retreats, Chopta's blend of natural splendor and cultural significance ensures a memorable journey. Each destination within this enchanting region invites exploration and reflection, making Chopta a must-visit for those eager to connect with the serene beauty and rich heritage of Uttarakhand
Bad Newz
"Bad
Newz" is a delightful comedy that strikes a perfect balance between humor and heart.
Directed by Anand Tiwari, this film brings together a stellar cast including Vicky Kaushal, Triptii Dimri, and Ammy Virk. The plot’s unique twist on heteropaternal superfecundation delivers fresh, engaging storytelling. The chemistry between the leads is palpable, and their performances are both heartfelt and hilarious. The narrative’s blend of romantic comedy with real-life challenges provides a refreshing take on relationships and parenting. Vicky Kaushal’s portrayal of Akhil’s selflessness adds depth to the film, making the emotional climax genuinely touching. With its clever script and charming performances, "Bad Newz" is a must-watch that leaves audiences both entertained and uplifted.
Raayan
Dhanush’s "Raayan" is an electrifying Tamil-language action thriller that keeps viewers on the edge of their seats. As his second directorial venture, Dhanush masterfully blends intense action with a gripping narrative. The film features a stellar ensemble cast including S. J. Suryah, Prakash Raj, and Selvaraghavan, each delivering strong performances that enhance the film's emotional depth and suspense. Dhanush's portrayal of Raayan, a determined man seeking justice, is both compelling and nuanced. The storyline centered around Raayan's journey through the dark alleys of the criminal underworld, is thrilling and well-crafted. With its high-octane sequences and strong character development, "Raayan" is a must-watch for fans of action thrillers.
Deadpool & Wolverine
"Deadpool & Wolverine" is an exhilarating addition to the Marvel Cinematic Universe (MCU), combining humor, action, and heart in a compelling sequel. Directed by Shawn Levy, this film seamlessly connects the previous "Deadpool" movies with "Logan" while introducing fresh, engaging twists. Ryan Reynolds and Hugh Jackman reprise their iconic roles with undeniable chemistry, delivering both comedic and dramatic moments with finesse. The plot’s multiversal adventure, filled with creative encounters and thrilling battles, keeps audiences hooked. The interplay between Deadpool’s irreverent humor and Wolverine’s intense resolve adds depth and excitement. Supporting performances by Emma Corrin and Morena Baccarin enrich the storyline, while the visual effects and action sequences are top-notch. Ultimately, "Deadpool & Wolverine" balances humor with a touching exploration of character redemption and friendship, making it a standout film in the MCU.
Kill
"Kill" is a gripping Hindi-language action thriller that makes a strong debut for Lakshya Lalwani. Directed by Nikhil Nagesh Bhat, the film combines intense action with a compelling narrative. Lalwani, alongside Raghav Juyal and Ashish Vidyarthi, delivers dynamic performances that drive the film’s adrenaline-pumping sequences. The plot follows Amrit Rathod, an army commando, on a daring mission to prevent his girlfriend Tulika's forced marriage, only to face a gang of ruthless bandits on a New Delhi-bound train. The film excels in its high-stakes action scenes and suspenseful moments, maintaining a relentless pace. The clash between Amrit, his friend Viresh, and the bandits adds layers of excitement and heroism. With its engaging storyline and strong performances, "Kill" is a must-watch for action enthusiasts.
The Briar Club
TAuthor : Kate Quinn
Price : `1,738 (Hardcover)
he Briar Club by Kate Quinn is an enthralling novel set in the 1950s, capturing the essence of female camaraderie and resilience against a backdrop of political paranoia. The story revolves around Briarwood, a women’s boardinghouse in Washington, D.C., where Grace March, a mysterious widow, ignites the spirit of friendship with her weekly dinner parties and teas. Quinn skillfully portrays the era's tension, with the fear of McCarthy’s Red Scare adding a layer of suspense. The narrative takes a dramatic turn with a shocking act of violence, compelling the women to confront their deepest fears and suspicions. Through vivid characters and a gripping plot, The Briar Club beautifully explores themes of trust, loyalty, and the strength found in female solidarity, making it a must-read.
Author : Meg Shaffer
Price : `1,880 (Hardcover)
The Lost Story
The Lost Story by Meg Shaffer is a mesmerizing tale that blends mystery, fantasy, and the bonds of brotherhood. As children, Jeremy and Rafe vanished for six months, returning with no explanation—Rafe bearing scars and no memory, and Jeremy harboring a magical secret. Now adults, Jeremy is a renowned missing persons investigator, and when he is hired by Emilie to find her missing sister, the past resurfaces. Jeremy must reveal the truth to Rafe about their childhood journey to an enchanted world and confront their shared trauma. Shaffer's storytelling is captivating, weaving a spellbinding narrative that explores the depths of memory, the power of truth, and the magic of lost worlds. The Lost Story is an enchanting read that keeps you hooked from start to finish.
The Summer Pact
Author : Emily Giffin
Price : `2,441 (Paperback)
The Summer Pact by Emily Giffin is a heartwarming exploration of friendship, growth, and the enduring bonds formed in college. The story follows four freshman roommates—Lainey, the vibrant party girl; Tyson, the brilliant academic; Summer, the driven athlete; and Hannah, the quiet observer—who forge an unbreakable connection. As graduation approaches, a tragic event deepens their commitment to one another, showcasing the power of support in times of crisis. Ten years later, Giffin beautifully reunites the group as a struggling Hannah reaches out, offering readers a poignant look at how friendships evolve and persist over time. With its relatable characters and emotional depth, The Summer Pact is a compelling read that celebrates the lasting impact of true friendship and the comfort of coming together when it matters most.
Breaking the Dark
BAuthor : Lisa Jewell
Price : `549 (Paperback)
reaking the Dark by Lisa Jewell is a thrilling and inventive addition to the Marvel Universe, blending Jewell’s psychological prowess with the superhero genre. This gripping novel follows Jessica Jones, a retired superhero turned private investigator, as she delves into a chilling mystery. When a distressed mother reports that her teenage twins have been swapped with “perfect” replacements after a visit to their father in the UK, Jessica’s investigation leads her to a small British town shrouded in mystery. Jewell masterfully intertwines elements of suspense, supernatural intrigue, and character-driven drama, crafting a story that keeps readers on the edge of their seats. Breaking the Dark showcases Jewell’s talent for creating complex narratives and captivating characters, making it a must-read for fans of both psychological thrillers and Marvel’s iconic hero.
