The air crackles with anticipation. Amidst the whispers and excitement of friends and family, the rustle of silk and the gleam of intricate embroidery come alive. She adorns herself in her wedding attire, the delicate chime of bangles and the sparkle of jewels adding to the symphony of colour and craftsmanship that speaks of tradition and celebration. Every detail is meticulously chosen, a symphony of textures and colours. But one final touch remains – the fragrance that will become a part of her wedding day, a whispered echo of laughter, stolen glances, and promises under a starlit sky. Just like the perfect wedding dress, the right perfume lingers long after the celebration, a sensory snapshot of the exchange of vows. Choosing a wedding fragrance is a deeply personal decision, allowing brides to express their individuality and create a lasting sensory memory of their special day.

 The timeless romance of florals, the modern vibrancy of citrus, or the captivating allure of amber and spice, here are some trending notes that will make your wedding day unforgettable.

 1. Classic Floral: Evoking romance and grace, floral notes are still a mainstay in bridal fragrances. This year, traditional flowers like jasmine, peonies, and roses are popular but with a modern feel. ITC Engage L’amante Sunkissed Eau De Parfum is the perfect pick for this wedding as the perfume it is long lasting and offers a delightful aroma. It creates a romantic, floral harmony with notes of tiger orchid, jasmine, tuberose and sandalwood making it ideal for the wedding day for the bride.
2. Vibrant Citrus: Fresh lemon tones are especially lovely for outdoor ceremonies or a day wedding. The bright and energizing qualities of bergamot, lemon, and grapefruit give the scent a vibrant and vivacious vibe. Citrus notes are an excellent option for a modern bride because they can offer a refreshing contrast to the more conventional flower and woody ingredients. ITC Engage’s Verona Perfume offers a citrus and fruity note, creating a refreshing and invigorating scent.
3. Amber & Spice: Warm amber and delicate spices are going to be popular in 2024 to provide a hint of sensuality and depth. While spices like cardamom or cinnamon add a delicate note of intrigue, amber adds a rich, golden warmth. These notes are ideal for producing a fragrance that clings and makes an impact. ITC Engage’s Amber Hues Perfume for Men which has fruity and ambery notes is fresh modern fougere and is ideal for such special occasions.

ITC Engage’s brand ambassador Tara Sutaria advises bride-to-be to invest in a long-lasting fragrance. “I believe your choice of fragrance is an extension of your personal style, and your wedding day is the perfect time to choose a scent that makes you feel confident, radiant, and most yourself as you embark on a new and exciting journey with the one you love. It’s about creating a sensory memory that’s uniquely yours. The ITC Engage Verona offers a timeless scent with a delicate floral and citrusy touch that is most charming and elegant when worn. I highly recommend this perfume to all brides-to-be!”

As you embark on this exciting new chapter, remember that the perfect wedding fragrance is more than just a scent—it’s an extension of your love story. Choose a fragrance that speaks to your heart, embodies your unique style, and creates a lasting impression on your special day.

India has rapidly emerged as a global leader in the adoption of cutting-edge technologies, and Generative AI (GenAI) is no exception. As businesses across the world race to harness the power of AI for enhanced decision-making and business intelligence, several Indian companies have established themselves as pioneers in this domain.

1. Findability Sciences

Findability Sciences, a global leader in Enterprise Forecasting and Business Process Co-Pilots, is spearheading the adoption of Generative AI in the business intelligence space. Leveraging its powerful AI platform, Findability Sciences enables businesses to derive actionable insights from vast amounts of unstructured data. Their proprietary solutions, such as the GenAI-powered ROI Calculator, allow enterprises to predict outcomes and optimize decisions with unprecedented accuracy. The company’s expertise in AI-driven forecasting has made it a preferred partner for organizations looking to transform their business intelligence capabilities. By seamlessly integrating GenAI into their offerings, Findability Sciences is setting new benchmarks in the industry, empowering businesses to achieve higher levels of efficiency and innovation.

2. Microsoft Power BI
Microsoft Power BI is a widely adopted BI tool that has seamlessly integrated generative AI to elevate data analysis. Power BI’s AI-driven features include automated insights, data transformation, and natural language processing (NLP) for easy querying. Indian businesses across various industries use Power BI to build customized dashboards and reports, enabling them to visualize data and make informed decisions with greater accuracy and speed. Its robust AI capabilities make it a favorite among large enterprises looking to leverage generative AI for BI.

3. Tableau
Tableau, a prominent BI platform, is known for its user-friendly visual analytics and AI capabilities. Tableau’s integration with generative AI allows users to ask questions in natural language, generate reports automatically, and perform predictive analysis without the need for coding expertise. In India, Tableau is widely adopted by companies to derive real-time insights, build interactive dashboards, and gain a deeper understanding of complex data. Tableau’s focus on self-service analytics, combined with generative AI, makes it a go-to tool for businesses looking to democratize data.

4. Qlik Sense
Qlik Sense has established itself as a leader in analytics, offering generative AI features that enable users to explore data intuitively. Qlik’s AI engine supports automatic insights, pattern recognition, and predictive analytics, making data analysis more efficient and effective. Indian businesses are utilizing Qlik Sense to turn vast amounts of data into actionable insights, drive operational efficiency, and gain a competitive edge. Its AI-powered recommendations simplify the data exploration process, helping users uncover insights faster and more accurately.

5. Zoho Analytics
Zoho Analytics is a homegrown BI solution that is gaining traction in India for its AI-enhanced analytics platform. Zoho leverages AI to automate report generation, perform predictive analytics, and offer data storytelling, allowing businesses to interpret data more efficiently. Its natural language processing (NLP) capabilities let users ask questions and get instant insights. Zoho’s easy-to-use interface and AI-powered tools make it an ideal choice for businesses of all sizes in India looking to leverage generative AI for better decision-making.
As generative AI becomes more integrated into business intelligence solutions, companies in India are at the forefront of this transformation. Brands like Findability Sciences, Microsoft Power BI, Tableau, Qlik Sense, and Zoho Analytics are leading the charge by providing AI-powered tools that enable organizations to harness the power of their data. Whether it’s predictive analytics, automated insights, or intuitive data exploration, these companies are empowering businesses to make smarter, faster, and more informed decisions, shaping the future of business intelligence in India.

Migsun Group, a leading real estate developer in North India, launches a new studio apartment project in Lucknow. A breathtakingly designed commercial masterpiece, the project will be constructed at a cost of Rs 50 crores. It is part of the upcoming Migsun Lucknow Central, a mixed-use project. Each unit is priced at around Rs 60 lakh, making it an attractive option for 9both end users and investors.

Migsun Lucknow Central is strategically located at Shaheed Path in Lucknow. It has been designed to emerge as the city’s iconic retail project known for its design values and brand mix. The unit size of these studio apartments starts from 650 sq. ft. They will be immaculately designed and fully furnished with branded equipment.

“We are thrilled to launch Migsun Studio Apartments, which forms part of our iconic commercial project in Lucknow,” said Yash Miglani, Managing Director of Migsun Group. “Our projects, Migsun Janpath and Migsun Lucknow Central have both been resounding successes, achieving significant appreciation in property value. We anticipate a similar success for these studio apartments and are committed to making it a landmark in Lucknow’s real estate landscape.”

Migsun Lucknow Central spreads over approximately 20,239 square meters and features High Street Retail, a Food Court, and Business Suites square meters of land fully owned by the company. The company had invested Rs 426 crores in the project.

The project is envisioned as Lucknow’s next iconic development, recognised for its cutting-edge design and high-quality amenities that include a clubhouse, swimming pool, state-of-the-art gym, restaurant, cafe, concierge & housekeeping services and a host of recreational facilities.

Migsun Group has delivered over 40 projects across the NCR region, earning a reputation for quality, innovation, and timely project completion. With a robust pipeline of upcoming developments, the Group continues to push boundaries and exceed customer expectations, solidifying its leadership in the real estate sector.

Artiste First is thrilled to announce the release of the evocative new music video for “Kis Raag Ka,” a song that highlights the resilience of artistry in the face of external constraints. The track, written, composed, and performed by Raag with stunning production by Hyder Dar, explores the profound idea that while one might attempt to cage a singer, the essence of a song remains free. This release, coming from a music label, emphasizes the very notion of artistic freedom. Directed by Sushant Vasishth and Fareed Kairon, with Naushad Ali as the Director of Photography, the music video beautifully captures the song’s emotional depth, inviting viewers to reflect on how external influences shape their inner world and challenge their beliefs.

At the heart of Kis Raag Ka lies a question that feels deeply personal: “In what melody do I belong?” This powerful line captures the struggle of balancing personal truth against the pressure of societal expectations. The lyrics beautifully express this feeling:

“Mere Vichar Janme hai mujhme ya ik hawa,

mere kaanon par jo aaye karde mujhme sudhaar,

De jaye mujhme sabki sargam…”

Through these words, Raag gives voice to the universal experience of feeling lost in a world that often tells us who we should be. The song’s haunting melody and thought-provoking lyrics blend seamlessly, creating a piece that feels raw, honest, and deeply relatable.

Raag on the song’s meaning mentioned “Kis Raag Ka came from a very personal place. It’s about realizing that the way you see the world might not actually be your own view, but shaped by everything around you. Writing this song helped me sort through that, and I hope it connects with anyone who’s ever felt that internal struggle.”

Rohit Sobti, Curator, Artiste First added “Kis Raag Ka is an incredible reflection of how we all grapple with who we are versus what society expects us to be. Raag has done a beautiful job of putting those emotions into words and music. At Artiste First, we’re proud to support artists like Raag, who bring such powerful and authentic music to the world.”

Kis Raag Ka is a song about the struggle to find your own voice in a world full of outside influences. With its haunting lyrics and immersive production, it offers listeners a deeply personal and relatable experience. You can stream Kis Raag Ka now on all major streaming platforms.

I am writing to you on behalf of Cult, from the house of Curefit, India’s largest fitness services and apparel provider, to announce the launch of Cult Gun Massagers, their latest range of innovation designed to enhance recovery for fitness enthusiasts. This range of massagers is a testament to their commitment to provide a holistic approach to fitness from start to end for optimal performance and overall well-being.

Fitness all-the-way

After the first or another intense workout at the gym, people experience muscle soreness and a lack of mobility that might have them questioning how to go back to working out, completely missing the concept of ‘post-workout recovery’. This is where Cult, being India’s largest fitness brand, steps in with its new range of massagers to talk about the holistic approach to fitness all the way.

Key Features and Benefits:

The Cult Gun Massager is engineered to provide a powerful recovery experience. With its advanced features, it caters to the needs of athletes and fitness enthusiasts alike. Key highlights of the range include:

● Recovery Massager: Designed to alleviate muscle tension and promote blood circulation, aiding in faster recovery post-exercise.

● Hot & Cold Massage Head Features: This innovative feature allows users to switch between hot and cold therapy, targeting muscle soreness and inflammation effectively. Hot therapy helps to relax muscles, while cold therapy reduces swelling and numbs sharp pain.

● Nitro Model: The Nitro variant of the gun massager is particularly favored by athletes for its powerful brushless motor and tri-positional rotatable arm, allowing for versatile massage angles and deeper penetration into muscle tissue.

Variations of the Gun Massager

The Cult Gun Massager comes in five distinct models, each tailored to meet different user needs:

Cult Volt:

· Segment: For entry-level

· Key USP: Compact and portable design, perfect for on-the-go recovery

· Features: 4 adjustable heads, 6 intensity modes, and a quiet operation (<45dB)

Cult Volt Plus:

· Segment: For entry-level

· Key USP: Premium design with a rubberized finish for better grip

· Features: Similar to Volt but with enhanced ergonomics

Cult Volt Pro:

· Segment: For Mid-level

· Key USP: Most powerful massager in its segment with 12 intensity modes

· Features: 4 adjustable heads, a larger battery (4500 mAH), and low noise operation

Cult Volt X:

· Segment: For Mid-level

· Key USP: Offers interchangeable hot and cold massage heads for versatile therapy

· Features: 6 adjustable heads and an LCD display for easy operation

Cult Nitro:

· Segment: For Professional

· Key USP: Designed for athletes, featuring a powerful brushless motor and tri-positional arm

· Features: 4 adjustable heads, 5 intensity modes, and a long-lasting battery (2000 mAH)

Expressing his excitement on the launch, Abhilash Panda, Business head, of hardlines, fitness products at Cult, said, “We are excited to own the recovery process with the launch of this new range. At Cult, we understand that effective recovery is just as important as the workout itself. Our massagers are designed specifically to help users relax, rejuvenate, and ultimately enhance their performance. With advanced features like hot and cold massage heads and the athlete-favorite Nitro option, we are committed to providing the tools necessary for a comprehensive fitness journey at all levels.”

With the launch of the Cult Gun Massager, Cult aims to redefine the perspective of fitness for the people of India. The Cult Gun Massager range is the ultimate partner in one’s fitness journey, helping them to achieve their goals while taking care of their body.

New Delhi, 10th September, 2024: Golden Growth Fund (GGF), a leading Category 2 Alternate Investment Fund (AIF), has successfully secured ₹25 crore in its first funding round, which concluded in mid-August. This initial capital infusion will be used to acquire a prime land parcel in South Delhi, marking a significant milestone for GGF. The acquisition is the first project under GGF’s strategic plan to develop high-end residential properties in the region, further supported by Grovy India Limited, which has completed over 100 real estate developments in Delhi.

Ankur Jalan, CEO of Golden Growth Fund, stated, “This first closing of the fund is a significant step forward in our mission to transform the luxury real estate landscape in Delhi. Our commitment to acquiring and developing premium land parcels in South Delhi is now being realized, and we anticipate that our ongoing funding efforts will further solidify our position as a leader in the market.”

Golden Growth Fund distinguishes itself in the field of alternative investment funds by focusing exclusively on real estate opportunities in the Delhi region, particularly in South and Lutyens’ Delhi. As a Category 2 AIF, GGF operates under the regulatory oversight of SEBI, ensuring a high level of transparency and security for its investors.

Notably, Golden Growth Fund’s focus on brownfield projects offers a distinct advantage over other realty funds, which primarily target greenfield developments. GGF’s project turnaround time is anticipated to be between 15-18 months, significantly shorter than the 60-72 months typically seen in greenfield projects. Additionally, GGF’s projects face no time escalation, construction cost escalation, or government regulation uncertainties, unlike the high risks associated with other realty funds. Furthermore, the infrastructure surrounding GGF’s projects is fully developed, reducing sale uncertainty and price volatility, which remain high in greenfield projects.

Golden Growth Fund is dedicated to transforming real estate fortunes in Delhi by equipping investors with actionable insights and flexible investment options. This commitment to transparency, coupled with a focus on high-end residential development in prime locations, positions GGF as a leader in the market.

The ₹25 crore raised in the first closing is just the beginning, as GGF plans to close additional funding rounds in the coming months. This capital will be crucial in supporting GGF’s ongoing and future projects, which aim to transform the luxury real estate market in South Delhi. With multiple proposals already in the pipeline, GGF is set to play a key role in reshaping the region’s real estate landscape.

Looking ahead, Golden Growth Fund anticipates continued growth and expansion as it finalizes additional funding rounds and explores new investment opportunities. The leadership team, with decades of experience in real estate and investment management, is committed to executing its projects with precision and delivering superior value to its stakeholders. GGF’s strategic focus on acquiring and developing prime land parcels in South Delhi highlights its commitment to driving high returns for its investors while contributing to the transparency of the region’s luxury real estate market.

Mumbai, September 10th, 2024: CRIF High Mark, a leading Indian credit bureau, launched the fourth edition of its flagship report, How India Lends, today. The report deep dives into Consumption Lending, MSME Lending, and Microfinance Lending for the last five years (FY20 to FY24) with an emphasis on key insights into the industry and consumer trends.

Consumption Lending includes Home Loans, Personal Loans, Two-Wheeler Loans, Auto Loans, Consumer Durable Loans and Credit Cards. MSME lending includes Entity and Individual loans. Entity MSME Loans are defined based on entity-level credit exposure of up to ₹50 Crore. Individual MSME Loans include Business Loans, Property Loans, Commercial Vehicle Loans and Construction Equipment Loans. Corporate Loans refer to loans given to Mid and Large-size entities with credit exposure of more than ₹50 Crore and are reported to the Commercial Bureau.

Insights into Trends and Patterns Shaping Major Lending Product Categories in India

Consumption Loans: Portfolio outstanding of Consumption Loans increased by 15.2% YoY to ₹90.3 Lakh Cr as of Mar’24, however, portfolio growth has decelerated (from 17.4% as of Mar’23) primarily driven by the slowdown in the Home Loans segment (40.1% of consumption loans portfolio by value)

• Home Loans:
• Portfolio growth slowed down to 7.9% YoY (vs. 23% YoY as of Mar’23) due to muted growth in originations (9.2% in FY24 vs 18.2% in FY23)
• Shift in Originations (by value and volume) from ticket size ₹ 5L – ₹ 35L to ₹ 35L +
• Growth of 32% in Average Ticket Size (ATS) from ₹20.1L in FY20 to ₹26.5L in FY24

Personal Loans:

• Robust Portfolio growth (26% YoY as of Mar’24) despite recent regulatory reforms
• ₹10L+ Ticket Size loans continue to increase their share in originations by value, while <₹1L Ticket Size loans continue to dominate by volume
• Banks dominate Originations (by value) and NBFCs dominate Originations (by volume)

Two-wheeler loans:

• Growth accelerated to 34% YoY (from 30% as of Mar’23) primarily driven by the shift in originations to Higher Ticket Size loans,
• espite lower origination volume growth YoY (13% in FY24 vs. 32% in FY23)
• Shift in Originations (by value and volume) with a 4.6x growth can be seen for ₹75K+ from FY20 to FY24

Auto Loans:

• Marginal slowdown in Portfolio growth to +20% YoY (vs. 22% as of Mar’23) buoyed by Shift in Originations to ₹10L+ Ticket Size loans
• but dampened by lower growth in overall origination volumes
• 5% growth in Originations Volume (vs. 21% in FY23) and 12.5% growth in Originations Value (vs. 37.3% in FY23)

Consumer Durable Loans:

• Robust portfolio growth of 34% YoY (vs. 26% YoY as of Mar’23) driven by the shift in originations to ₹25K+ ticket size loans, which offset the muted growth in originations volumes (8.5% in FY24 vs 38.2% in FY23)
• 21% growth in Originations by value, and 8.5% growth by volume in FY24
• Private banks gained origination share from FY20 to FY23, however NBFCs regained some of their lost share in FY24

Credit Cards:

• 16.5% growth in Active cards from Mar’23 to Mar’24
• Credit card balances reached ₹3.0 lakh crore, with 999.1 lakh cards in circulation as of Mar’24

MSME Lending: Individual MSME segment growth outpaces that of Entity MSMEs, both in terms of portfolio growth (28.9% YoY vs 6.6% YoY) and originations growth (12.6% YoY vs 3.1%).

Individual MSME Loans

• Portfolio outstanding of Individual MSME Loans stands at ₹35.7 Lakh Cr as of Mar’24 with growth accelerating to 29% YoY (vs. 15% YoY as of Mar’23)
• Witnessed Y-o-Y growth in Originations by value at 12.6% and by volume at 19.4% in FY24
• Individual MSMEs witnessed improvement in delinquency across all Ticket sizes and Lender types

Entity MSME Loans

• The Portfolio outstanding of Entity MSME Loans stands at ₹28.4 Lakh Cr as of Mar’24 with growth decelerating to 6.6% YoY (vs. 17.2% as of Mar’23)
• The sector witnessed Y-o-Y growth in Originations by volume at 18.9%, while 3.1% by value, with the Micro Segment being the largest contributor

Microfinance Lending:

• Portfolio growth accelerated to 27% YoY (vs. 21% YoY as of Mar’23) with the Microfinance Loans portfolio outstanding of ₹442.7 K Cr as of Mar’24.
• The average ticket size for MFIs increased by 11% from ₹40.9K to ₹45.4K between FY23 and FY24
• PAR 31-90% and PAR 91-180% were stable as of Mar’24 compared to Mar’23

Commenting on the report Mr. Sanjeet Dawar, Managing Director, CRIF High Mark, said, “The fourth edition of the report ‘How India Lends – FY2024’ provides a comprehensive overview of the evolving lending landscape in India. This year’s report highlights the continued dominance of Home Loans and the notable growth in Personal Loans and Two-Wheeler Loans. We also observe a significant rebound in NBFCs’ market share and a marked expansion in the Microfinance sector. The stability in delinquencies and the strong performance across various lending categories underscore the ongoing resilience and vitality of the Indian credit market.”

Bengaluru, 09th September 2024: Expanding aggressively in India and overseas, Royal Orchid Hotels Ltd. (ROHL) announced the launch of ‘Regenta Resort and Spa, Chitwan’ in Nepal. This will be ROHL’s second property in the Himalayan country following the opening of their inaugural property ‘Regenta Place Sabrina’. Situated along the banks of the revered Narayani River and encircled by the picturesque Mahabharata Mountain panorama, the resort has been designed to cater to both corporate and recreational visitors who appreciate convenience, comfort, and value.

Chitwan, renowned for its abundant flora and fauna, accommodates a wide variety of species, including rare ones such as the Bengal Tiger, Gharial, Rhinoceros, Leopards, Mugger Crocodile as well as the Indian Rock Python. As the preeminent wildlife destination in Nepal, it attracts a substantial influx of visitors throughout the year. Regenta Resort and Spa, Chitwan is strategically located a short walk away from Chitwan National Park- a UNESCO World Heritage Site and offers guests an opportunity to visit one of the best-preserved national parks in Asia and embark on thrilling adventures through the dense forests. Making the most of the resort’s stunning location, guests can also immerse themselves in the rich cultural heritage and traditions of the neighborhood by visiting local attractions including Devghat, Jalbire Waterfall (Lamo Jharana), Chitwan Tharu Village, Bishazari Tal, and Elephant Breeding Centre that are just a short drive away.

Chander K. Baljee, Chairman and Managing Director, ROHL, commented, “India and Nepal have a long standing connection of history, culture, tradition, religion and more. We extend our deepest gratitude to the welcoming communities of Nepal for their unwavering support. We are on a rapid expansion spree, having added 481 keys this calendar year alone, taking the total keys under operations to 6397. We look forward to capitalising on this extraordinary location to elevate the hospitality landscape of Nepal and leave a lasting impression on our visitors and the communities.”

Spanning an expansive 4.6 acres, Regenta Resort and Spa, Chitwan offers a serene sanctuary amidst the natural environment and reflects the tapestry of local architecture and culture. The property houses a total of 51 well-appointed rooms including Plunge Pool Suite Rooms, unique Quad Rooms for backpackers and Premium Family Rooms with sweeping views of the jungle and Narayani River. Alongside featuring the spacious and elegantly crafted rooms, the newly launched hotel features a wide range of facilities for business and leisure travellers alike. ROHL’s in house multi cuisine restaurant “PINXX” offers guests an authentic gastronomical experience with Nepalese cuisines and cocktails alongside continental, Indian and Chinese food. The in-house spa allows guests to relax, unwind and rejuvenate with a wide range of massage therapies and treatments.

Philip Logan, COO of Royal Orchid Hotels Ltd, added, “Tourism is a significant contributor to Nepal’s economy and India has remained at the forefront of the inbound. Regenta Resort and Spa, Chitwan is another testament to our continuous endeavour to support neighbouring countries and create a thriving ecosystem in the hospitality industry.”

Regenta Resort and Spa, Chitwan, a perfect confluence of comfort and luxury, also provides an idyllic setting for business conferences, workshops, small functions and weddings or large-scale events with a choice of 3 different venues including Orchid Hall, Kitty Hall and a board room. The property is complete with a well-equipped fitness centre, a rejuvenating swimming pool and indoor and outdoor play arena.