Trailblazing Entrepreneur

Madhulika Syal’s story is not defined by a single profession or achievement. Over more than two decades, she has built an international career across banking, financial services, governance, risk and compliance. Alongside that career, she has found another voice—as an author writing about resilience, identity, healing and the courage it sometimes takes to begin again. Based in Panchkula, Haryana, Madhulika brings together two worlds that may appear very different: the structured, demanding environment of global financial services and the deeply human world of storytelling. For her, however, they are connected by something fundamental—the ability to face uncertainty, adapt and keep moving forward. Two Decades Across Global Financial Services Madhulika has more than 20 years of international experience spanning banking, financial services, FinTech and consulting. Her career has taken her through senior leadership and specialist roles across corporate banking, financial crime, risk manage...

What if the biggest obstacle standing between you and your dreams isn't your circumstances, but your mindset? This powerful question lies at the heart of Sabeena's work. Through years of studying human behavior and helping people overcome personal and professional challenges, she has shown that lasting success begins not with changing the world around us, but with changing the way we think. Sabeena is a psychologist, psychometric counsellor, soft skills trainer, entrepreneur, and the founder of MindsetU , a personal development initiative committed to helping individuals discover their strengths and build meaningful lives. She is also the author of MindsetU Formula , a transformational book that combines psychology, self-awareness, and practical life strategies to help readers unlock their true potential. Her journey has always been driven by one purpose—to make psychology practical and accessible for everyone. While psychological concepts are often viewed as complex or academi...

जब भी कोयले का नाम आता है, तो सबसे पहले बिजली उत्पादन या उद्योगों में इस्तेमाल होने वाले काले पत्थर की तस्वीर दिमाग में आती है। वर्षों से कोयला ऊर्जा का प्रमुख स्रोत रहा है, लेकिन क्या आप जानते हैं कि यही कोयला आधुनिक प्लास्टिक करेंसी नोट बनाने में भी अहम भूमिका निभा सकता है? यह सुनकर हैरानी हो सकती है कि कई देशों में इस्तेमाल होने वाले प्लास्टिक के नोटों का कच्चा माल ऐसे रसायनों से तैयार किया जाता है, जिन्हें कोयले से भी बनाया जा सकता है। हालांकि कोयले को सीधे नोट में नहीं बदला जाता, बल्कि एक लंबी वैज्ञानिक प्रक्रिया के जरिए उससे ऐसे रसायन तैयार किए जाते हैं, जिनसे प्लास्टिक बनता है और फिर उसी प्लास्टिक से करेंसी नोट तैयार किए जाते हैं। क्या होते हैं प्लास्टिक के नोट? दुनिया के अधिकांश देशों में लंबे समय तक कागज के नोट इस्तेमाल किए जाते रहे। ये नोट मुख्य रूप से कॉटन फाइबर से बनाए जाते हैं। लेकिन समय के साथ इनमें कई कमियां सामने आईं। ये जल्दी फट जाते हैं, गंदे हो जाते हैं, नमी से खराब हो जाते हैं और नकली नोट बनाना भी अपेक्षाकृत आसान होता है। इन्हीं समस्याओं को देखते हुए कई देशों ने पॉल...

For many families, tax planning is an important part of managing finances. One common belief is that transferring money to a spouse's bank account or making investments in their name can legally reduce the family's income tax liability. This strategy is often considered when one spouse has little or no income or falls into a lower tax bracket. While gifting money to your spouse is completely legal, it does not always result in tax savings. The Income Tax Act contains specific provisions that prevent taxpayers from shifting income simply to reduce their tax burden. These provisions are known as the clubbing of income rules. Before transferring a large amount to your spouse, it is essential to understand how these rules work. Can You Gift Any Amount to Your Spouse? Yes. Under the Income Tax Act, gifts exchanged between spouses are exempt from tax because a spouse is considered a specified relative. Whether you transfer ₹1 lakh or ₹1 crore, your spouse does not have to pay tax on...

Buying a resale flat is often seen as a smart way to own a home at a reasonable price. However, many buyers focus only on the property's price, location, and condition while ignoring an equally important aspect—pending maintenance charges and legal dues. A small oversight during the purchase process can lead to unexpected financial burdens after registration. Imagine buying your dream apartment, completing the registration, taking possession, and then receiving a notice from the housing society demanding ₹80,000 in unpaid maintenance charges left behind by the previous owner. This situation is not uncommon, and it raises an important question: Can a housing society recover the previous owner's unpaid maintenance dues from the new owner? The answer is not always straightforward. It depends on state laws, the sale agreement, society bye-laws, and the facts of each individual case. Understanding your rights and responsibilities before buying a resale flat can save you from unneces...

अगर आप आकलन वर्ष (AY) 2026-27 के लिए ITR-1 (सहज) दाखिल करने की तैयारी कर रहे हैं, तो पहले इन नए नियमों को जरूर जान लें। आयकर विभाग ने ITR-1 की नई Excel Utility जारी की है, जिसमें कुछ महत्वपूर्ण बदलाव किए गए हैं। इन बदलावों का उद्देश्य टैक्स रिटर्न में पहले से अधिक पारदर्शिता और सटीक जानकारी सुनिश्चित करना है। हालांकि ITR-1 अभी भी सबसे सरल आयकर रिटर्न फॉर्म है, लेकिन अब इसमें हाउस प्रॉपर्टी, किराये की आय, दान पर मिलने वाली टैक्स छूट और राजनीतिक चंदे से जुड़ी अधिक जानकारी देनी होगी। यदि आपने आवश्यक जानकारी नहीं दी या कोई गलती कर दी, तो आपका रिटर्न प्रोसेस होने में देरी हो सकती है या आयकर विभाग की ओर से नोटिस भी आ सकता है। आइए जानते हैं इस बार ITR-1 में क्या-क्या बड़े बदलाव हुए हैं। कौन दाखिल कर सकता है ITR-1? ITR-1 यानी सहज फॉर्म उन भारतीय निवासी (Resident Individual) करदाताओं के लिए है जिनकी कुल वार्षिक आय 50 लाख रुपये तक है। इस फॉर्म के जरिए वे लोग रिटर्न दाखिल कर सकते हैं जिनकी आय इन स्रोतों से होती है— वेतन (Salary) या पेंशन अधिकतम दो हाउस प्रॉपर्टी से आय अन्य स्रोतों से आय, जै...

As fuel prices continue to rise and countries search for cleaner alternatives to petrol and diesel, ethanol-blended fuel has become increasingly common. In countries like India, petrol now contains up to 20% ethanol (E20) , and governments say it reduces oil imports and lowers carbon emissions. But is ethanol really a perfect solution? While ethanol has several environmental and economic benefits, it also comes with disadvantages. It can affect vehicle performance, damage certain engine components, reduce fuel efficiency, and create challenges that make many countries cautious about using high ethanol blends. Let's understand how ethanol works, how it affects vehicles, and why many countries do not rely heavily on it. What Is Ethanol? Ethanol is a type of alcohol made by fermenting crops such as sugarcane, corn, wheat, or other plant materials. It is mixed with petrol to create fuels like E10, E15, E20, and E85. E10 = 10% ethanol + 90% petrol E20 = 20% ethanol + 80% petrol E85 ...