Startup Genius

भारत में घर, फ्लैट या किसी भी तरह की प्रॉपर्टी की खरीद-फरोख्त जीवन का एक बहुत बड़ा आर्थिक फैसला होती है। यह सौदा अक्सर सालों की मेहनत की कमाई और भविष्य की सुरक्षा से जुड़ा होता है। कुछ लोग बढ़ते बाजार भाव का फायदा उठाने के लिए प्रॉपर्टी बेचते हैं, तो कुछ लोग निजी जरूरतों, स्थान परिवर्तन या नई संपत्ति खरीदने के लिए पुरानी प्रॉपर्टी बेचते हैं। लेकिन कई बार लोग जल्दबाज़ी में या बिना सही तैयारी के प्रॉपर्टी बेच देते हैं। इसका नतीजा यह होता है कि मुनाफे की जगह उन्हें नुकसान झेलना पड़ता है। टैक्स, कीमत तय करने या कागजात से जुड़ी एक छोटी-सी चूक भी आपको लाखों का नुकसान करा सकती है। इसलिए प्रॉपर्टी बेचने से पहले कुछ जरूरी नियमों और बातों को समझना बेहद आवश्यक है 1. प्रॉपर्टी बेचने से पहले कैपिटल गेन टैक्स समझें प्रॉपर्टी बेचने पर होने वाली कमाई पर सरकार कैपिटल गेन टैक्स लगाती है। यह टैक्स इस बात पर निर्भर करता है कि आपने प्रॉपर्टी कितने समय तक अपने पास रखी है। शॉर्ट-टर्म कैपिटल गेन (STCG) अगर आप प्रॉपर्टी खरीदने के 2 साल के भीतर बेचते हैं, तो होने वाला मुनाफा आपकी कुल आय में जोड़ दिया जाता है।...

Borrowing against gold has become one of the most popular ways to meet urgent financial needs. Its popularity stems from speed, convenience, and minimal paperwork. Unlike other forms of loans, gold loans do not require a long approval process. You simply pledge your gold—whether jewellery, coins, or bars—and get funds quickly. Before taking a gold loan, most people want clarity about how much they can borrow and what their repayments will look like. This is where online calculators become invaluable. Two tools stand out in particular: the gold loan calculator and the gold rate calculator . While these tools may seem similar at first, they serve different purposes and provide distinct types of information. Understanding how each works can help you make smarter decisions, avoid surprises, and manage your finances better. In this article, we explore the differences between these two tools, explain when to use each, and guide you on the checks you should perform before borrowing. Why Onl...

With inflation rising every year, simply saving money in a bank account is no longer enough. Long-term, secure, and high-return investments are the need of the hour—especially when planning for a child’s future. For parents of a girl child, Sukanya Samriddhi Yojana (SSY) stands out as one of the best, safest, and most rewarding investment options available in India today. This government-backed scheme offers guaranteed returns, zero market risk, attractive interest, and full tax benefits . Most importantly, with disciplined investing, a total contribution of just ₹22.5 lakh can grow into nearly ₹72 lakh at maturity . Let’s understand why SSY is considered a powerful long-term investment tool. What Is Sukanya Samriddhi Yojana? Sukanya Samriddhi Yojana is a small savings scheme launched by the Government of India under the Beti Bachao, Beti Padhao initiative. The main goal of the scheme is to encourage parents to save systematically for their daughter’s education, career, and marriag...

घर किराये पर देना एक आम बात है, लेकिन जब किरायेदार तय समय के बाद भी मकान खाली न करे, तो यह मकान मालिक के लिए बड़ी परेशानी बन सकता है। भारत में अक्सर देखा गया है कि 11 महीने का किराया समझौता खत्म होने के बावजूद किरायेदार घर छोड़ने से इनकार कर देता है। ऐसी स्थिति में कई मकान मालिक भावनाओं में आकर गलत कदम उठा लेते हैं, जिससे मामला उल्टा पड़ सकता है। इस लेख में हम आसान भाषा में समझेंगे कि 11 महीने का किराया समझौता खत्म होने के बाद मकान मालिक के क्या अधिकार हैं, क्या गलतियां नहीं करनी चाहिए और सही कानूनी प्रक्रिया क्या है। 11 महीने का किराया समझौता क्यों होता है? भारत में ज्यादातर किराया समझौते 11 महीने के लिए किए जाते हैं, क्योंकि 12 महीने या उससे ज्यादा के समझौते को रजिस्टर कराना जरूरी होता है। 11 महीने का समझौता बिना रजिस्ट्रेशन के भी वैध माना जाता है। जब यह तय अवधि पूरी हो जाती है, तो कानूनी रूप से किरायेदार को मकान खाली कर देना चाहिए, जब तक कि नया समझौता या नवीनीकरण (renewal) न किया गया हो। जब किरायेदार समझौता खत्म होने के बाद भी घर खाली न करे ऐसे मामलों में मकान मालिक अक्सर उलझन में प...

Most people think financial problems arise from not earning enough. In reality, the problem isn’t income—it’s how we manage what we earn. Many face money struggles not because they don’t earn well, but because they don’t save consistently or make their money work for them. Financial comfort in your later years isn’t built overnight. It grows slowly, through small, consistent money habits practiced over decades. Even modest savings, when invested wisely and allowed to compound, can become a significant source of wealth. Two people with the same income can end up in completely different financial situations at retirement, simply because one started building wealth early while the other delayed. This is the perfect time to rethink your financial future. The following 12 money habits can help you take today’s income and turn it into financial security for life. Start practicing them now, and your future self will thank you. 1. Start Saving Consistently, No Matter How Small Consistency is ...

Mayaa SH is a staunch advocate for gender equality, viewing it as a fundamental human right and essential for societal progress. She actively promotes women's rights through her literary work, public speaking, and advocacy for policy changes. Her efforts aim to dismantle societal barriers that limit women's potential, emphasizing the importance of empowering women economically and socially. She believes that empowering women leads to stronger families, communities, and nations. Mayaa SH is a distinguished author, empowerment culturist, and advocate for gender equality whose profound work has inspired millions across the globe. Known for her influential book Swayam, she champions the principles of self-belief, resilience, and personal growth, especially for women seeking to reclaim their strength and independence. Her writings beautifully weave together introspection, motivation, and the power of an exponential growth mindset — drawing inspiration from trailblazers who have rede...

In a world where the fight for equality is still unfinished, voices that combine knowledge, courage, and compassion become powerful agents of change. Adv. Harjeet Kaur is one such voice. She is a respected human rights author, lawyer, and legal researcher who has dedicated her professional life to achieving gender justice , raising awareness about emotional abuse , and promoting equality-driven legal reforms . Her work stands at the intersection of law, psychology, and social change , with a deep focus on the lived realities of women in South Asia. A Strong Foundation in Law and Research Adv. Harjeet Kaur is a research scholar and accomplished lawyer with expertise in multiple critical areas of law. Her academic and professional foundation reflects a strong commitment to justice, especially for vulnerable and marginalized communities. Her key areas of focus include: Criminal Law Cybercrimes Gender Justice Juvenile Justice Human Rights Law What sets her apart is not just her legal kno...