Trailblazing Entrepreneur

Health insurance is no longer just a financial product—it is a critical safety net that protects you and your family from unexpected medical expenses. Traditionally, most people in India opt for annual health insurance plans and renew them every year. While this approach is familiar and flexible, it also comes with certain risks, such as forgetting renewal dates, premium hikes, and breaks in coverage. To address these issues, insurance companies now offer multi-year health insurance plans , allowing policyholders to pay premiums for several years in advance. But is choosing a multi-year plan a smarter decision than sticking to an annual policy? Let us explore how multi-year health insurance plans work, their advantages, and who should consider them. Understanding Multi-Year Health Insurance Plans A multi-year health insurance plan allows you to pay the policy premium for more than one year at a time—usually for 2, 3, or even 5 years . These plans are also known as multi-pay policies . ...

The death of a family member is emotionally devastating. During such a difficult time, families often face another fear— outstanding loans or credit card dues left behind by the deceased. Many people worry: Will the bank demand money from the family? Can it seize bank balances, property, or jewelry? The answers are clearly defined under Reserve Bank of India (RBI) guidelines and India’s succession laws. Understanding these rules can help families protect their rights and deal confidently with banks during such sensitive situations. Is the Family Personally Liable for the Debt? Let us start with the most important clarification. If a credit card holder or loan borrower dies, their family members are NOT personally responsible for repaying the debt. The spouse, children, or parents cannot be forced to pay from their own income or savings . Any attempt by bank officials or recovery agents to pressure family members is a violation of RBI’s fair practice norms . 👉 Simply put, the debt do...

प्रॉपर्टी बेचना जीवन के सबसे बड़े आर्थिक फैसलों में से एक होता है। चाहे आप फ्लैट बेच रहे हों, घर या कोई कमर्शियल प्रॉपर्टी – एक छोटी-सी चूक आपके फायदे को भारी नुकसान में बदल सकती है। कई लोग जल्दबाज़ी में या भावनाओं में आकर प्रॉपर्टी बेच देते हैं और बाद में पछताते हैं। भारत में प्रॉपर्टी की खरीद-फरोख्त केवल खरीदार ढूँढने तक सीमित नहीं होती। इसमें टैक्स, कानूनी नियम, दस्तावेज़, सही मूल्यांकन और स्मार्ट प्लानिंग बहुत ज़रूरी होती है। अगर आप इन बातों को सही से समझ लें, तो आप लाखों रुपये बचा सकते हैं और सुरक्षित सौदा कर सकते हैं। 1. कैपिटल गेन टैक्स को समझें सरकार प्रॉपर्टी बेचने से होने वाले मुनाफ़े पर कैपिटल गेन टैक्स लगाती है। शॉर्ट-टर्म कैपिटल गेन (STCG): अगर आप 2 साल के अंदर प्रॉपर्टी बेचते हैं, तो मुनाफ़ा आपकी आय में जुड़ जाता है और इनकम टैक्स स्लैब के अनुसार टैक्स लगता है। लॉन्ग-टर्म कैपिटल गेन (LTCG): अगर 2 साल बाद बेचते हैं, तो 12.5% (या पुराने नियम के अनुसार) टैक्स लगता है। टैक्स बचाने का तरीका: आयकर अधिनियम की धारा 54 के तहत दूसरा घर खरीदकर टैक्स से बचा जा सकता है। 2. सही वैल्यू...

Davinder Singh, Founder of M/s Shah Ji D’ziners, is a well-known and respected entrepreneur in the Indian fashion and garment industry. His journey is a powerful story of heritage, dedication, and vision, built on a family legacy that began more than seven decades ago. With over 30 years of hands-on experience, he has successfully transformed traditional fabric knowledge into a modern fashion brand that stands for quality, inclusivity, and trust. Davinder Singh is the son of Shri Bhupinder Singh and belongs to a family deeply connected to fabrics and textiles since the time of India’s Partition in 1947. When his forefathers migrated to Delhi during that challenging period, they rebuilt their lives through hard work and integrity. Textiles became the backbone of the family business and a symbol of resilience and craftsmanship. As the third generation, Davinder Singh carries forward this legacy with pride and responsibility. Growing up in a textile-oriented household, Davinder Singh deve...

In a world where fashion trends change rapidly, only a few brands manage to stand the test of time. Shah Ji D’ziners is one such name—an enduring symbol of heritage, craftsmanship, and modern elegance. With three generations rooted in the fabric business and over thirty years of fashion excellence, the brand has earned a respected place in India’s designer wear industry. From the historic lanes of Chandni Chowk to wardrobes across India and abroad, Shah Ji D’ziners continues to redefine luxury by making it accessible, personal, and timeless. A Journey Shaped by History and Passion The foundation of Shah Ji D’ziners dates back to 1947 , when the family migrated to Delhi after the Partition and began their journey in the fabric trade. What began as a means of rebuilding life gradually evolved into a legacy of textiles, craftsmanship, and trust. Over the decades, the family developed deep knowledge of fabrics, textures, and quality—skills that would later become the backbone of a success...

The freedom to travel across borders without complicated visa procedures is no longer just a luxury—it is a strong indicator of a country’s global influence, diplomatic strength, and international trust. Each year, the Henley Passport Index offers a clear picture of which passports provide the greatest travel freedom to their holders. The 2026 Henley Passport Index has now been released, and it brings a mix of continuity and change. Singapore has once again emerged as the world’s most powerful passport , holding the top position for the third consecutive year . At the same time, India has recorded a notable improvement , climbing five places in the rankings, while several other countries continue to compete closely at the top. This article explains the 2026 passport rankings, looks closely at India and Pakistan’s positions, and explores why passport power matters more than ever in today’s world. Understanding the Henley Passport Index The Henley Passport Index is regarded as the mos...

Selling a property is one of the most significant financial decisions anyone can make. In India, whether it’s a residential flat, plot, or commercial property, the stakes are high. Some people sell to capitalize on rising market prices, while others need liquidity for personal reasons or to invest in a new property. Regardless of the reason, selling a property without careful planning can lead to significant financial losses. Even a small oversight in pricing, documentation, or tax compliance can reduce your profit by lakhs. Here’s a guide to ensure a smooth sale and maximize your returns. 1. Understand Capital Gains Tax Before You Sell A critical aspect often overlooked by sellers is capital gains tax . The government levies tax on the profit made from selling property, and the rate depends on how long you have held the property. Short-Term Capital Gains (STCG): Selling within 2 years of purchase means your profit is added to your total income, taxed at your applicable income tax sl...