Startup Genius

Mumbai is notorious for its skyrocketing property prices and steep living costs. In prime areas like Cuffe Parade or Nariman Point, residents often pay thousands—or even lakhs—every month as maintenance charges, rent, or society fees. But imagine a place where living is not only free from maintenance costs but actually pays you money . Sounds like a dream? Welcome to Jolly Maker Tower , one of South Mumbai’s most fascinating housing stories. Zero Fees, Positive Returns Located in Cuffe Parade, Jolly Maker Tower flips the traditional concept of housing on its head. Unlike most apartments in Mumbai, where residents often dread paying high maintenance fees, residents of Jolly Maker don’t pay anything . In fact, they receive an annual dividend of roughly Rs 2.5 lakh simply for owning a flat in the building. The phenomenon gained attention when real-estate content creator Vishal Bhargava shared a video explaining the unusual financial structure. “Get paid Rs 2.5 lakh to stay in this build...

अपना घर होना हर किसी का सपना होता है। अन्न, वस्त्र और निवारा—ये तीनों मानव जीवन की मूलभूत आवश्यकताएँ हैं, और घर का मालिक होना स्थिरता, सुरक्षा और दीर्घकालिक वित्तीय योजना का प्रतीक है। आजकल बढ़ती संपत्ति की कीमतों के कारण मध्यम वर्ग के लिए घर खरीदना कठिन होता जा रहा है। ऐसे में होम लोन एक महत्वपूर्ण भूमिका निभाता है, जिससे लंबी अवधि के किफायती ईएमआई के माध्यम से घर लेना संभव हो जाता है। लेकिन होम लोन लेना केवल बैंक से मंजूरी पाने तक सीमित नहीं है। इसके लिए पात्रता नियमों, ईएमआई क्षमता और सबसे महत्वपूर्ण, होम लोन पर मिलने वाले कर लाभ को समझना भी जरूरी है—विशेषकर आयकर अधिनियम की धारा 24(ब) के तहत। कई नए खरीदार इन बातों को नजरअंदाज कर देते हैं या गलत समझते हैं, जिससे भविष्य में वित्तीय समस्याएँ पैदा हो सकती हैं। यह गाइड होम लोन, पात्रता, ईएमआई और कर लाभ को आसान और सरल भाषा में समझाता है। आज घर खरीदना क्यों मुश्किल हो गया है साधारणतः 45 लाख रुपये तक की कीमत वाले घरों को परवडणारे घर माना जाता है। इन प्रोजेक्ट्स में डेवलपर्स का लाभ लगभग 10–12% होता है। वहीं, प्रीमियम और लक्ज़री घरों में ल...

Inflation is one of the most talked-about economic terms, yet it often feels confusing. Simply put, inflation means a general rise in prices —when everyday items like food, fuel, housing, and services become more expensive over time. One important but less understood factor behind inflation is loans and credit . Loans play a powerful role in shaping how much money flows through an economy. When used wisely, they support growth and development. When used excessively or carelessly, they can push prices up and create inflationary pressure.  Understanding the basic connection between loans and inflation At its core, inflation is about too much money chasing too few goods . Loans directly influence this balance. When people and businesses borrow money, they gain purchasing power —the ability to spend more. If spending rises faster than the production of goods and services, prices begin to increase. This is how loans, indirectly but powerfully, affect inflation. 1. Loans increase money c...

Mayaa SH, a distinguished Indian author, activist, and feminist philosopher ,a globally recognized literary figure and social activist from India, frequently employs the adage "Rome Was Not Built In A Day" to characterize her arduous journey toward becoming a champion for women's rights and a prolific authoress. Her philosophy centers on the belief that great achievements require Time, Persistent Effort, and Unwavering Patience, reflecting her own transition from a dedicated writer to an international icon known as the "Lady Gandhi" of the modern era. Mayaa SH faced a series of formidable challenges during her journey toward becoming a prominent voice for women's rights and social reform. Her path was primarily obstructed by deeply entrenched patriarchal norms, systemic gender biases within the legal and social framework, personal experiences with domestic violence, and the social stigma surrounding mental health and suicide prevention. However,her Nerves Of...

When banks lend money, they expect borrowers to repay it on time. But in reality, this does not always happen. Some borrowers delay payments, while others stop repaying altogether. Over time, especially during economic slowdowns, these unpaid loans pile up and turn into non-performing assets (NPAs) . A high level of NPAs weakens banks, reduces their ability to lend, and slows down economic growth. To deal with this problem in a focused and systematic way, the idea of a “bad bank” has emerged. In this article, we explain what a bad bank is, how it works, the Reserve Bank of India’s (RBI) role, why India needs it, and the key benefits it offers What Is a Bad Bank? In simple terms, a bad bank is a specialised institution created to take over bad loans from regular banks. These bad loans are also called stressed assets or NPAs . When NPAs remain on a bank’s balance sheet for too long, they create multiple problems: Banks have to set aside more capital as provisions Profits decline Banks ...

पिछले कुछ वर्षों में भारत के बढ़ते कर्ज़ को लेकर लगातार चर्चा हो रही है। कई रिपोर्ट्स और बहसों में कहा जाता है कि भारत पर कुल कर्ज़ उसकी GDP के क़रीब पहुँच रहा है , खासकर विदेशी देशों जैसे अमेरिका से लिया गया कर्ज़। लेकिन इसका असली मतलब क्या है? अगर किसी देश का कर्ज़ उसकी GDP से ज़्यादा हो जाए तो क्या होता है? और अर्थशास्त्री इसे ख़तरनाक स्थिति क्यों मानते हैं? इस लेख में हम इस पूरे विषय को समझेंगे। सबसे पहले समझिए: GDP और राष्ट्रीय कर्ज़ GDP क्या होती है? GDP (सकल घरेलू उत्पाद) वह कुल मूल्य है जो कोई देश एक साल में वस्तुओं और सेवाओं के ज़रिये कमाता है। सीधे शब्दों में कहें तो: GDP देश की सालाना कमाई है। अगर भारत की GDP ₹100 है, तो इसका मतलब है कि देश एक साल में ₹100 कमाता है। राष्ट्रीय कर्ज़ क्या होता है? राष्ट्रीय कर्ज़ वह पैसा है जो सरकार ने उधार लिया होता है। यह कर्ज़ लिया जाता है: देश के भीतर (बैंक, संस्थान, RBI) विदेशों से (अमेरिका, IMF, World Bank आदि) अगर भारत ₹100 कमाता है और ₹90 उधार ले चुका है, तो कर्ज़ GDP का 90% हो जाता है। देश कर्ज़ क्यों लेते हैं? कर्ज़ लेना अपने आप मे...

To many people, buying a superbike worth ₹50–80 lakh sounds like a terrible financial decision. Bikes depreciate, maintenance is expensive, and resale is uncertain. From a middle-class point of view, it feels risky and impractical. Yet, wealthy individuals around the world continue to buy high-end superbikes—often multiple ones—without hesitation. Why? Because rich people do not look at superbikes as ordinary vehicles . They see them as a mix of assets, experiences, status tools, and network builders . When viewed through this lens, the decision makes complete sense. Let’s break it down. 1. Financial Value: Some Bikes Actually Appreciate The biggest myth is that all bikes lose value. In reality, not all superbikes depreciate . High-end, limited-edition motorcycles often behave more like collectibles than machines. Examples of bikes known for strong value retention: Ducati Superleggera V4 Kawasaki H2 Carbon BMW HP4 Race Yamaha R1M (limited editions) MV Agusta Serie Oro These bikes are...