21st December 2024 New Delhi, Delhi, India Mr Anil Dua has joined as a partner and Co-founder of the SAR E-Mobility Division, which comprises Lectrix and Mooving businesses. A seasoned leader with a proven track record across diverse industries, Mr Dua brings the group over three decades of unparalleled expertise in strategic leadership, digital transformation, and brand-building.

Most recently, Mr. Dua served as the Group CEO of Dish TV, where he steered the company through transformative milestones, including the merger with Videocon D2H. Before Dish TV, Mr Dua held pivotal roles at OTE Group in Oman, Hero MotoCorp, Unilever, and Gillette. At Hero MotoCorp, he was instrumental in the iconic rebranding from Hero Honda to Hero, doubling volumes and tripling turnover during his tenure. His strategic contributions have earned him numerous awards, including the IAA Marketer of the Year and recognition among India’s Top 50 Brand Leaders.

As an IIT Delhi alumnus with an MBA from IIM Ahmedabad, Mr. Dua’s stellar academic background complements his professional journey. His leadership philosophy, marked by innovation and collaboration, aligns seamlessly with SAR Group’s mission to accelerate India’s transition to sustainable mobility.

Commenting on the joining, Mr. Rakesh Malhotra, Founder of SAR Group, said, “Mr. Dua’s passion for operational excellence and brand building makes him a transformative force in any organisation. His remarkable ability to lead with clarity and purpose has set new benchmarks in every role he has undertaken. At SAR Group, we are excited to join hands as co-founders and leverage his strategic vision with unparalleled experience to redefine the future of electric mobility and propel us toward our goal of becoming a leader in sustainable transportation. His focus on driving growth, innovation, and operational rigour aligns perfectly with our mission.”

Commenting on his new role, Mr Anil Dua said, “I am thrilled to join hands with SAR Group, a group with a remarkable history of creating household brands and delivering customer-focused solutions. Electric mobility is still in its early stages, making this an exciting time to collaborate as the industry evolves. With its comprehensive ecosystem approach—Lectrix EV as the OEM and Mooving as the energy service provider—SAR Group is well-positioned to redefine mobility. I look forward to applying my experience to foster growth and drive innovation in this rapidly transforming industry.”

With Mr Dua on board, Lectrix EV and Mooving will strengthen their market positions, expand their product portfolios, and make electric mobility more accessible and sustainable. His visionary leadership will undoubtedly steer both companies toward a future of transformative growth and industry leadership.

21st December 2024  New Delhi, Delhi, India  JK Super Cement, a prominent name in India’s cement industry, has launched a captivating new television commercial (TVC) featuring Indian fast-bowling sensation and brand ambassador, Jasprit Bumrah. The campaign, titled Game Badal De, draws inspiration from Bumrah’s remarkable journey and embodies JK Super Cement’s commitment to innovation, transformation, and resilience.

The TVC narrates a poignant anecdote from Bumrah’s childhood, reflecting how he honed his craft using a cement wall as his silent partner during practice sessions. This story forms the emotional cornerstone of the campaign, portraying the wall not only as a physical structure but also as a metaphorical “game changer.” Through this narrative, JK Super Cement highlights its brand philosophy of overcoming challenges and achieving excellence.

Aligned with JK Super Cement’s recent rebranding initiative, the Game Badal De campaign aims to enhance brand visibility and foster deeper connections with its target audience. The rebranding introduced a refreshed identity, modernised packaging, and a dynamic logo symbolising strength, innovation, and sustainability. This also marked the revitalisation of JK Super Cement’s brand positioning as “Build Strong”.

Speaking on the campaign, Mr. Anuj Khandelwal, Business Head, JK Cement, said, “Our new brand identity is a response to meeting evolving customer aspirations. The Game Badal De campaign amplifies this vision by connecting authentically with our audience through innovation and storytelling.”

Mr. Pushpraj Singh, Group President Sales and Marketing, JK Cement, added, “While our legacy remains strong, our rebranding represents a transformation that allows us to stand apart in a saturated market. This TVC is a reflection of our transformation journey towards building a stronger, more sustainable future.”

Mr. Love Raghav, AVP & Head of Branding, JK Cement, stated, “With our new brand identity and bold campaign #GameBadalDe, we’re breaking barriers and reshaping the narrative in the cement industry. Bumrah’s story of perseverance resonates with our brand values and inspires a fresh perspective on construction and growth. Featuring him as the symbol of transformation, we aim to inspire game-changing stories in every corner of life.”

Traditionally, the cement industry has maintained a conservative approach to marketing and communication. With Game Badal De, JK Super Cement challenges this status quo by presenting a narrative that resonates with resilience and ingenuity. Bumrah, known for his mastery of Yorkers and his ability to change the course of a game, perfectly represents the brand’s ethos of challenging norms and driving innovation.

21st December 2024  New Delhi, Delhi, India  Lone Wolf, the spirits brand under Onkara Beverages & Hospitality, has added an exciting new offering to its portfolio with the launch of Lone Wolf Wild. With a steadfast commitment to quality and innovation, Lone Wolf continues to redefine India’s landscape, cementing its reputation as a standout beverage brand in the industry.

With over 10 million units sold, Lone Wolf has achieved remarkable growth in just two years, with revenues surpassing Rs. 43 crore in 2023-24 and an ambitious target of Rs. 80 crore for 2024-25. This growth reflects the brand’s focus on delivering exceptional experiences to its loyal customers.

Atul Kumar Singh, Founder of Lone Wolf, shares the vision behind the new variant, “This variant is for those who seek character in their drink—bold, smooth, and with a flavor that lingers. The ‘Wild’ in the name represents the untapped possibilities in taste and brewing that we aim to deliver.”

Lone Wolf Wild takes the spotlight alongside the iconic Alpha (a Belgian Witbier with a twist) and Mavrick (a crisp 100% lager), redefining boldness in every sip. With its golden hue, smooth clarity, and a balanced strength of 6-8% ABV, Wild is crafted for lovers who crave flavor and character. It’s an invitation to explore a bold new taste that’s as untamed as its name.

Lone Wolf Wild arrives as a response to the growing demand for diverse taste preferences in India. It symbolizes the brand’s determination to push boundaries, bringing bold and innovative brews to market. The brand’s decision to launch a strong variant reflects its focus on addressing consumer desires while staying true to its ethos of quality and innovation.

“The brand’s meteoric rise is backed by the accolades its portfolio has already garnered. Winning awards like “StartUp of the Year” at both Ambrosia Awards 2023 & the Brewer World Conclave, 2023 and the “Product Debut of the Year Gold Award” at the Spiritz Conclave and Achievers’ Awards 2024, is a validation of our commitment to excellence and has only motivated us to expand our horizons and introduce more exciting options for our customers,” Singh adds.

Currently available in Delhi, Chandigarh and Goa, Lone Wolf is preparing to expand its footprint into Kerala and Rajasthan, further solidifying its status as one of India’s most promising homegrown brands.

With Lone Wolf Wild, the brand sets a new benchmark in the strong beverage category, inviting enthusiasts to explore a bold, new taste and to join the pack in redefining India’s drinking culture.

21st December 2024  Mumbai, Maharashtra, India Shoppers Stop, India’s premium fashion, beauty, and gifting omnichannel destination, is thrilled to announce its groundbreaking revolution in the beauty world – Glamfluencer 2025 by SSBeauty. India’s first-ever beauty reality show is designed to discover India’s next Super Beauty Influencer. This pioneering concept marks a transformative moment in both the beauty and entertainment industries, combining passion, education, and storytelling to create an unforgettable platform for aspiring influencers.

This one-of-a-kind IP by SSBeauty promises unmatched drama, thrilling challenges, and transformative training. Contestants from across the country will undergo rigorous training in beauty techniques, content creation and digital trends while participating in challenges that test their creativity, knowledge, and resilience. Covering all aspects of beauty, the show will encompass makeup, skincare, fragrances, and haircare & styling, ensuring that contestants are equipped to inspire across every facet of the beauty industry.

21st December 2024

The winner will claim the ultimate opportunity to cement their place as India’s next beauty icon, redefining what it means to inspire and influence in the beauty space.

Why Glamfluencer?

• India’s First-of-its-Kind: A beauty influencer reality show where talent meets opportunity.
• Exclusive Mentoring: Industry leaders, digital mavens, and beauty experts will guide contestants.
• Big Rewards: More than just a title – it’s a launchpad into the dazzling world of beauty and influence.

Commenting on the launch, Mr. Biju Kassim, Customer Care Associate and CEO of Beauty, Shoppers Stop said, “At SSBeauty, we believe in empowering individuals to redefine beauty and creativity in the Indian market. The launch of this unique IP aims to give India its very own Super Beauty Influencer. With Glamfluencer, we are not just launching a reality show – we are creating a transformative platform that celebrates talent, fosters innovation, and sets new benchmarks for the beauty industry, while positioning our country globally. This initiative aligns with our vision to inspire, educate, and amplify voices, bringing consumers and brands closer through unforgettable experiences.”

Stay tuned as the search for the Super Beauty Influencer unfolds on your favorite OTT channel. Glamfluencer – where beauty meets drama and dreams turn into reality!

Think you’ve got what it takes? Stay tuned for audition details and exclusive behind-the-scenes content. The glam revolution is here – and it’s yours to own.

21st December 2024 Panchkula, Haryana, India The two-day annual event, Satluj Pride, was held at Satluj Public School, Sector 4, Panchkula. This year marked the 48th edition of the program, celebrating the theme, “New India: Forging Futures, Celebrating Culture.”

Students of Satluj Public School performing at the two-day annual event, Satluj Pride 2024 that was held at Satluj Public School, Sector 4, Panchkula

On the inaugural day there were scintillating performances by students of classes 8-12, while on the second day students of classes 5 to 7 enthralled the audience.

The Chief Guest for the first day event was Sh. Mahipal Dhanda, Minister of School Education, Parliamentary Affairs, and Higher Education Archives, Government of Haryana. Special guests included Sh. Gian Chand Gupta, Former Speaker and MLA Panchkula; Banto Kataria; and Sh. Deepak Sharma (BJP District President, Panchkula), among others.

The cultural performances by students were the main highlight of the event. Class 8 students delivered an inspiring presentation on the theme “World Peace: Cultivating a Culture of Peace.” Class 9 students presented on “Sustainability and a Greener Tomorrow,” emphasizing the importance of environmental conservation and sustainability. Class 11 and 12 students brought alive the spirit of New India through their performance titled “Panegyric.” These performances left the audience energized and filled with fresh ideas. The event concluded with a rendition of the National Anthem by Class 12 students, instilling a sense of patriotism and pride in everyone present.

The second and the final day of the event witnessed the presence of the Chief Guest, Mr. Alok Kumar Roy, IPS, Director General of Police (DGP), Railways and Commando, and the Guest of Honour, Ms. Anjum Moudgil, an Olympian, Arjuna Awardee, former World No. 1, and the first Indian woman shooter to win medals at the World Championships and Commonwealth Games.

The ceremony began with the traditional lighting of the lamp and a Saraswati Vandana, followed by a series of inspirational performances by the students. Class 5 students presented “The World Is Our Stage” while Class 6 showcased “Legends and Leaders.” Another notable performance focused on “Innovators of Tomorrow: A Celebration of Creativity, Technology, and Innovation.”

Joining them on this occasion were Mr. Krit Serai, Co-Chair/ Director-Principal, Mr. Reekrit Serai, Managing Director of Satluj Group of Schools, Co-Principal Ms. Madhurima Serai, Mrs. Radhika Panickar Serai, entrepreneur and philanthropist, Mr. Gur K Serai, Co-Chairman/Director-Principal of Satluj Public School, Sector 2, Panchkula and Ms. Preet Mangat Serai.

Mr. Reekrit Serai, Managing Director of Satluj Group of Schools, expressed his gratitude to students, teachers, and everyone who contributed to making the event a success. He remarked that such events not only encourage students’ creativity and performance but also help them recognize their cultural heritage and individual talents. Programs like these provide students with opportunities to hone their skills, preparing them for success in various fields of life.

The event concluded with the Chief Guest, Guest of Honour and school management presenting awards to students for their outstanding performances. The event also celebrated the achievements of Class 10 and 12 students, with awards presented to the CBSE toppers of 2023-24.

21st December 2024   New Delhi, Delhi, India  The Claridges New Delhi is thrilled to announce the grand reopening of Sevilla, the city’s beloved Spanish and Mediterranean dining destination. After a meticulous transformation, Sevilla returns brighter and more captivating, offering a culinary journey that delights both the palate and the senses.

A Reimagined Mediterranean Experience

Known for its enchanting alfresco setting, Sevilla has been transformed into a Mediterranean paradise with a host of new features. The sprawling restaurant, set slightly apart from the main hotel building, offers intimate indoor and outdoor seating. Recognized for its romantic allure, Sevilla is an ideal spot to get-together with your special person or friends on celebratory occasions.

Introducing Chef Alex Rodriguez: The Visionary Behind Sevilla’s Mediterranean Revival and the Master Chef of Sevilla at The Claridges New Delhi

Chef Alex Rodriguez, Master Chef, Sevilla at The Claridges New Delhi is the culinary mastermind behind Sevilla’s revitalized menu at The Claridges New Delhi, and brings with him over 20 years of international expertise to the table. A graduate of the prestigious Culinary Institute of America, he has worked with iconic establishments such as the Waldorf Astoria, Four Seasons, and St. Regis in New York. His global journey through Spain, the Caribbean, and Europe has shaped his signature style, blending traditional Mediterranean flavours with modern culinary techniques.

An award-winning chef, Chef Alex has been recognized for his innovative dishes and artistic presentations, including the Gold Medal for Best Dish and Presentation at the Canary Islands Culinary Contest. At Sevilla, his passion for Mediterranean and Spanish cuisine shines through every dish, offering guests an unforgettable dining experience steeped in authenticity and creativity.

“As the Master Chef of Sevilla, I bring decades of culinary expertise from Spain to New Delhi. Our reimagined menu celebrates the rich Spanish and Mediterranean heritage, combining authentic flavours with contemporary culinary techniques. Inspired by my family’s culinary legacy and the vibrant aromas of roasted peppers, saffron, olive oil, and fresh fish from my grandmother’s kitchen, every dish at Sevilla tells the story of Spain.”

“From the iconic Paella of Valencia to other signature offerings, I am committed to delivering an extraordinary dining experience that connects our guests to the heart of Spanish cuisine,” said Chef Alex.

“We are elated to welcome Chef Alex Rodriguez to The Claridges family and Sevilla. His unparalleled expertise and passion for Spanish and Mediterranean cuisine perfectly aligns with our vision of offering authentic and unforgettable dining experiences. Chef Alex’s innovative approach and commitment to culinary excellence will undoubtedly set a new benchmark for Spanish and Mediterranean dining in Delhi,” said Hemendra Singh, General Manager, The Claridges New Delhi.

Curated Culinary Excellence
Sevilla continues to captivate diners with its exquisite menu offerings, blending classic dishes like Patatas Bravas, Gambas Al Ajillo, and Huevos Rotos estilo Casa Lucio with new creations that offer a modern twist on traditional flavours. Indulge in dishes such as Seafood Paella, Black Rice with squid ink, and fresh truffle-inspired pasta like Linguine Vongole and Tagliatelle with Truffle Mushroom Sauce. New additions like the signature Lobster Pasta and Rossejat de Pato y Setas further celebrate Spain’s rich culinary heritage. Renowned as one of Delhi’s most picturesque dining venues, Sevilla offers a luxurious ambiance with scenic outdoor seating, making it the perfect place for milestones, date nights, or group gatherings, ensuring a magical dining experience.

Sevilla’s Legacy of Excellence
The iconic restaurant has consecutively won the Best Restaurant Award for four years. In 2023, it was recognized as the Best Spanish Restaurant by the Times Food & Nightlife Awards. The restaurant also boasts a collection of 150 global wines.

Introducing Sevilla’s Signature Brunch
This season, Sevilla unveils its much-anticipated Brunch at Sevilla, an indulgent culinary affair featuring an array of delectable Tapas, signature Sangrias, and flavourful Paellas. Designed to cater to a diverse audience, the brunch promises a delightful experience for families, friends, and couples alike. Whether it’s a relaxed weekend with loved ones or a lively gathering, the serene alfresco setting, combined with the vibrant flavour, makes Sevilla a premier destination for leisurely brunches in Delhi.

“Sevilla’s reopening is a celebration of culinary artistry and cherished memories,” said Himanshu Kumar, Hotel Manager at The Claridges New Delhi. “Sevilla has long been a cherished destination where guests come together to savour exceptional cuisine and create unforgettable memories. We are thrilled to welcome our patrons back to a reimagined yet familiar space, where every detail has been thoughtfully designed to elevate their dining experience”

21st December 2024  Ahmedabad, Gujarat, India Latteys Industries Limited, an NSE-listed leader in energy-efficient solar submersible pumps, has announced remarkable financial results for the Quarter and Half Year ending September 2024.

Key Financial Highlights:

1. Revenue Growth: The company’s revenue surged from Rs. 1,575 lakhs to Rs. 1,873.46 lakhs, marking an 18.90% increase compared to the same period last year.
2. Net Profit: The net profit witnessed an impressive growth of 176.38%, rising from Rs. 25.37 lakhs to Rs. 70.12 lakhs. Sequentially, net profit grew by 86.20% compared to the previous quarter.
3. Earnings Per Share (EPS): EPS saw a threefold increase, jumping 200% from Rs. 0.04 to Rs. 0.12.

Latteys Industries continues to expand its presence in the solar water pump segment and is currently empanelled for installations in Madhya Pradesh, Maharashtra, Gujarat, and Uttar Pradesh. With additional orders on the horizon, the company is well-positioned to contribute significantly to India’s green energy initiatives. Efforts are underway to further expand operations into unrepresented regions, strengthening the company’s market footprint.

During the year, Latteys Industries secured a prestigious order worth approximately Rs. 30 crore for the design, manufacture, supply, installation, testing, and commissioning of 1,000 Off-Grid Solar Photovoltaic Water Pumping Systems (SPWPS) under Component-B of the PM-KUSUM scheme. The project includes a complete system warranty and repair/maintenance services for five years and was awarded by the Rajasthan Horticulture Department, Jaipur.

Total Orders In Hand as of Date: 37.525 and additional orders are expected to be signed soon.

Leadership Commentary

Commenting on the company’s performance, Mr. Kapoor Chand Garg, Promoter of Latteys Industries Limited, said: “We are delighted with the company’s performance and deeply value the trust our clients place in us. Our commitment to delivering high-quality, sustainable solutions remains unwavering, and we are confident in our ability to achieve even better results year after year.”

20th December 2024  New Delhi, Delhi, India  Best Agrolife Ltd., one of India’s leading agrochemical manufacturers, has been granted an international patent for its novel ternary insecticidal combination that effectively controls the entire sucking pest complex, including whitefly, jassids, aphids, and thrips with a single application. The granted patent covers the composition of Pyriproxyfen, Diafenthiuron, and Dinotefuran in a unique suspension concentrate formulation and has been granted by the African Intellectual Property Organization (OAPI) covering the countries of Benin, Burkina Faso, Cameroun, Centrafrique, Comores, Congo, Cote d’lvoire, Gabon, Guinee, Guinee Bissau, Guinee Equatoriale, Mali, Mauritanie, Niger, Senegal, Tchad, Togo.

The patent grant exemplifies Best Agrolife Ltd.’s dedication to globally delivering advanced, farmer-centric solutions, lowering costs and promoting sustainable agricultural practices.

Internationally, sucking pests are one of the most serious threats to agricultural crop productivity, causing significant quantitative and qualitative losses. Losses due to sucking pests are estimated to harm 18-20 percent of annual crop productivity. As much of these losses happens in the fields just before harvest, the impact can be devastating in developing countries such as the nations in the African continent.

The diverse modes of action of this formulation includes active ingredients that work through different mechanisms. “Pyriproxyfen” disrupts insect growth and reproduction, while “Diafenthiuron” targets the nervous system of pests, and “Dinotefuran” acts systemically to penetrate the plant and control pests internally. This diverse action stalls development of resistance.

This novel formulation is being successfully sold in India under the brand name of “Ronfen” and has garnered praise from farmers throughout India as a cost effective and efficient combination. Year on year, the sale of “Ronfen” has been steadily increasing with wider adoption. The combined sale of “Ronfen” since introduction has exceeded Rs. 400 crores with farmers using “Ronfen” to treat acreage of more than 2.4 million acres.

Best Agrolife Limited, has been actively pursuing and expanding its intellectual property portfolio of 100+ national filings and 20+ international filings in OAPI, ARIPO, EU, USA, Thailand, UAE, Brazil, Argentina, Philippines, Cambodia, Yemen, Bangladesh and Bhutan. These strategic international filings reflect the company’s commitment developing a global presence with quality IP protected portfolio. The companies’ patents cover major agricultural regions like US, LATAM, APAC, Far East and Africa. “These patents are not just about protecting our intellectual property; they’re about driving meaningful change in agriculture,” added Mr. Vimal Kumar Alawadhi, MD of Best Agrolife.

Best Agrolife Ltd. reaffirms its position as a leader in agricultural innovation, continuing to empower farmers across the globe by enhancing productivity, safeguarding crop quality, and increasing profitability.

20th December 2024  Mumbai, Maharashtra, India Indo-French Chamber of Commerce and Industry (IFCCI) in collaboration with Pluxee India released a report on “Redefining Total Rewards: Fueling Business Ambitions & Employee Aspirations” at an event in Mumbai that brought together HR leaders, industry experts, and thought leaders to explore innovative Total Rewards strategies that bridge employee expectations and organizational goals.

The IFCCI & Pluxee Total Rewards Survey Report was unveiled by Mr. Suraj Chettri, Chairperson of the IFCCI HR Committee and VP, Head of HR for India & South Asia & Ms. Suvarna Mishra, HR Director, Pluxee India.

This comprehensive study highlights trends in compensation, well-being programs, and workforce engagement strategies.

The survey was shared with 140+ prominent companies, all members of the IFCCI HR Committee and of the respondents, 87% were Indian subsidiaries of French enterprises from diverse sizes and sectors of activities.

Key Insights from the Survey:

• Holistic Rewards: 72% of organizations prioritize wellness programs, while 94% have adopted flexible work arrangements to boost employee satisfaction.
• Performance-driven Compensation: Companies are increasingly adopting pay-for-performance models, linking salary increments to skill growth and performance.
• Personalized Benefits: Customized rewards such as hybrid work options and mental health support are gaining traction to meet diverse workforce needs.

The launch event covered key themes such as:

• Future-proofing Benefits: Exploring the role of preventive care, digital tools, and value-based benefits in enhancing employee well-being.
• Proactive Rewards: How tailored rewards can help organizations navigate business challenges and retain top talent.

Mr. Anish Sarkar, Managing Director – Pluxee India & Director – India/ Philippines/ Indonesia Cluster, emphasized, “We are committed to supporting organizations with insights that drive meaningful change. This report reflects our dedication to fostering workplaces where employees feel valued, motivated, and empowered.”

Ms Payal S. Kanwar, Director General, IFCCI, remarked, “We are proud to present this collaborative report with Pluxee India, which highlights the evolving dynamics of Total Rewards as a cornerstone of workforce management. The insights from this survey offer a valuable benchmark for companies to understand emerging trends and best practices, enabling employers to make informed decisions and optimize their employee offerings.

”The event concluded with a roundtable discussion, “Devil is in the Details,” where HR leaders shared actionable insights and strategies to implement forward-thinking Total Rewards frameworks.

20th December 2024  Pune, Maharashtra, India Personal loans offer a swift financial solution for various needs, providing borrowers quick access to funds anytime, anywhere. These loans ensure fast processing and approval, often within hours. Borrowers benefit from flexibility, as no collateral is required, and the application process is straightforward.

A good credit score plays a vital role in securing instant personal loans with favourable terms. Borrowers can leverage tools like the OneScore App to monitor and improve their credit scores effortlessly. With better credit health, customers can also access loans of up to Rs. 5 Lakh quickly and seamlessly with the app.

Why Choose an Instant Personal Loan?

These loans provide a practical solution for customers in need of capital. Here are a few personal loan benefits that borrowers can look forward to:

• Borrowers can use the funds for various personal financial needs
• Ensures quick access to money when required
• Provides a lump-sum amount for larger expenses
• Features lower interest rates compared to credit cards
• Offers higher borrowing limits than credit cards
• Allows flexible repayment terms to suit borrowers
• Timely payments can improve credit scores
• Features a simple and hassle-free application process
• Comes with predictable monthly repayment schedules
• Requires no collateral, making it stress-free

To make the most of these benefits, borrowers are increasingly turning to loan apps for seamless access to funds. Understanding how these apps work can help streamline the borrowing experience.

Understanding Personal Loan Apps

These apps offer a convenient and efficient way to secure funds quickly. However, borrowers must first understand their functionality, benefits and potential drawbacks before making a decision.

When to Use

Before opting for one of these apps, borrowers should consider the following questions:

Is immediate access to funds required?
If so, instant loan apps provide one of the fastest methods for securing financial assistance.

Can the borrower manage higher interest rates?
It is important to assess whether the loan can be repaid comfortably, considering the added cost of interest.

Is the app trustworthy?
Borrowers should choose RBI-approved, reputable platforms to ensure reliable loan terms and avoid potential scams.

Which App to Use

When selecting a loan app, borrowers should prioritise the following aspects for a seamless experience

• Review user ratings and feedback to ensure the app’s trustworthiness
• Confirm eligibility criteria and loan limits to match the borrower’s profile and the required amount
• Ensure the app provides reliable customer support through accessible channels
• Verify the app’s security measures, such as encryption and a clear privacy policy
• Opt for apps that disburse funds promptly, typically within minutes or hours
• Compare interest rates and fees to find affordable and transparent options
• Look for apps offering flexible repayment terms tailored to individual financial needs
• Choose apps with a simple and efficient application process for quick approvals

How They Work

Obtaining a personal loan through an app is a straightforward process. Here are the typical steps borrowers can expect to follow to get a loan through a loan app:

• Download the app
• Complete the sign-up process
• Provide basic details, including name, email and contact information
• Enter an OTP for verification if the app requires it
• Complete the application form with the necessary information
• Upload the required documents
• Review all details and submit the application
• Wait for lender approval
• Accept the loan offer

Upon acceptance, the lender will transfer the funds directly to the borrower’s bank account.

Pros and Cons

Here is a quick overview of the advantages and risks of loan apps to assist customers in making an informed decision:

Pros

• Instant fund disbursal directly to the bank account
• Secure transactions with encryption for safety
• Available options for borrowers with low credit scores
• Flexible loan amounts, up to Rs. 5 lakh or more
• Quick approvals, often within minutes or hours
• Transparent fees and clear terms
• Easy application process via smartphone, eliminating the need for bank visits
• Minimal documentation required, such as PAN and Aadhaar

Cons

• Risk of over-borrowing due to easy access to funds
• Hidden fees, including late payment and processing charges
• Limited loan amounts on certain platforms
• Higher interest rates for borrowers with low credit scores
• Missed payments can negatively impact credit scores
• Short repayment periods leading to higher EMIs
• Risks associated with unregulated loan apps
• Limited or less personalised customer service

Instant personal loans offer flexible solution for those in need of funds, with minimal paperwork and no need to risk assets as security. These loans are processed quickly, often within hours, allowing borrowers to address urgent needs with ease.

By using the OneScore App, customers can track and improve their credit scores, enhancing their chances of securing better loan terms. Through the app, they can also get a loan of up to Rs. 5 Lakh as per their credit score. Before applying, customers should review the loan’s interest rates, repayment plans and terms to ensure they fit within their financial goals and capacity.