Startup Genius

When you suddenly need money, choosing the right loan can be confusing. There are many options available—personal loans, home loans, gold loans, and credit cards. Each comes with its own interest rate, paperwork, and repayment pressure. But what if you already have money safely invested in a Fixed Deposit (FD)? In such cases, a loan against Fixed Deposit can be one of the smartest and cheapest borrowing options. India’s largest public sector bank, State Bank of India , offers a convenient loan against Time Deposit that allows customers to borrow money without breaking their FD. This article explains everything you need to know about SBI’s loan against FD—how much you can borrow, interest rates, eligibility, repayment rules, and whether this loan is right for you. What Is a Loan Against Fixed Deposit? A loan against Fixed Deposit is a secured loan where your FD acts as collateral. Instead of closing your FD and losing interest benefits, the bank gives you a loan by placing a lien on y...

भारत में चावल सिर्फ भोजन नहीं, बल्कि रोज़मर्रा की ज़िंदगी का हिस्सा है। दाल-चावल से लेकर पुलाव और बिरयानी तक, हर घर में चावल की खास जगह होती है। इसलिए हम आमतौर पर चावल को सस्ता और आसानी से मिलने वाला अनाज मानते हैं। लेकिन क्या आप कल्पना कर सकते हैं कि एक किलो चावल की कीमत एक स्मार्टफोन जितनी या उससे भी ज्यादा हो सकती है? जी हां, दुनिया में ऐसा चावल मौजूद है जिसे आम खाने के बजाय लग्ज़री और शौक़ की चीज़ माना जाता है। यह चावल इतना खास और दुर्लभ है कि इसकी कीमत सुनकर अच्छे-अच्छे खाने के शौकीन भी हैरान रह जाते हैं। आइए जानते हैं दुनिया के सबसे महंगे चावल की पूरी कहानी। दुनिया का सबसे महंगा चावल कौन सा है? रिपोर्ट के अनुसार CNN के मुताबिक, जापान का Kinmemai Premium चावल साल 2016 में Guinness World Records द्वारा दुनिया का सबसे महंगा चावल घोषित किया गया था। इस चावल को खास सिर्फ इसकी कीमत नहीं बनाती, बल्कि इसे उगाने, तैयार करने और पैक करने का तरीका भी इसे बेहद अनोखा बनाता है। कीमत जो सच में चौंका देती है Kinmemai Premium की कीमत आम चावल से कई गुना ज़्यादा है। 840 ग्राम के एक बॉक्स की कीमत...

Every home has stories that remain hidden — moments of sacrifice, quiet struggles, suppressed dreams, and emotions that are rarely expressed aloud. घर-घर की अनकही कहानी ( The Unspoken Story of Every Home ) by Alka Kumari (Alka Mishra Minky) , published by Authors Click Publishing , brings these untold stories to the forefront. Released on 27 January 2026 , this first edition paperback of 128 pages takes readers on an emotionally resonant journey into the everyday realities of Indian households. The book’s title is its essence: it is a reflection of the silent narratives, unseen sacrifices, and hidden emotions that define family life. Through her sensitive storytelling, Alka Mishra Minky captures these moments with clarity and compassion, helping readers connect with the emotional core of their own homes. Book Details at a Glance Title: घर-घर की अनकही कहानी Author: Alka Mishra (Minky) Publisher: Authors Click Publishing Publication Date: 27 January 2026 Edition: First Edition L...

In a world overflowing with stories that chase plot twists, dramatic climaxes, and fast-paced narratives, a rare gem emerges in contemporary Hindi literature — Likha Nahi Gaya लिखा नहीं गया by Alka Mishra, affectionately known as Minky. Loosely translated as “Not Written,” this book is not just a collection of words on paper; it is a reflective journey into the subtle spaces of human emotion, inner silence, and unspoken truths. Published by Chyren Publication on 22 December 2025, Likha Nahi Gaya defies conventional storytelling. Its B5 size format makes it reader-friendly, while its content offers a depth that encourages readers to pause, reflect, and feel. This is a book designed not merely to be read, but to be experienced. About the Author: Alka Mishra (Minky) Alka Mishra, known in literary circles as Minky, has carved a distinctive space in Hindi literature through her authentic voice and deeply personal reflections. Unlike many contemporary authors who rely on elaborate plots or...

Owning a home in India, especially in Tier-1 cities and metropolitan areas, is often both a dream and an investment. Many homeowners purchase flats not only for personal residence but also to earn rental income. However, this dual purpose has raised legal questions: if a flat is rented out, does the buyer still qualify as a “consumer” under the Consumer Protection Act? Recently, the Supreme Court of India provided clarity, delivering a landmark ruling that protects the rights of homebuyers. Renting Your Property Doesn’t Strip Consumer Rights The Supreme Court bench, comprising Justices Prashant Kumar Mishra and N.V. Anjaria, ruled that simply renting out a residential flat does not exclude the buyer from being considered a consumer. Builders had argued that when a flat is rented, it is purchased for business purposes, and therefore, the homebuyer cannot claim consumer protection. The Court clarified that a buyer cannot be excluded on the sole basis of earning rental income. For exclusi...

India has entered a new era in ride-hailing with the launch of Bharat Taxi , the country’s first government-backed, cooperative ride-hailing app . Unlike traditional apps like Ola or Uber, Bharat Taxi is owned and managed by the drivers themselves , giving them control and a fair share of the earnings. The app is operated by Sahakar Taxi Cooperative Limited under the guidance of the Ministry of Cooperation . Its nationwide rollout was officially launched by Union Minister Amit Shah on February 5, 2026 , after successful pilot runs in Delhi-NCR and other regions. A Platform Designed for Drivers Bharat Taxi is not just another ride-booking app. Its main difference lies in its cooperative model . While private ride-hailing companies treat drivers as gig workers, Bharat Taxi makes them stakeholders . Every driver is part of a collective that owns the platform , giving them a voice in decisions and a fairer share of profits. The government’s goal is clear: Eliminate the middleman and let b...

अगर आप विदेश यात्रा की योजना बना रहे हैं या किसी दूसरे देश से भारत लौट रहे हैं, तो यह खबर आपके लिए बेहद जरूरी है। भारत सरकार ने Customs Baggage Rules, 2026 लागू कर दिए हैं, जिनमें अंतरराष्ट्रीय यात्रियों को बड़ी राहत दी गई है। ये नए नियम 2 फरवरी 2026 से लागू हो चुके हैं और पुराने बैगेज नियमों की जगह ले चुके हैं। इन बदलावों का मुख्य उद्देश्य है यात्रियों को ज्यादा ड्यूटी-फ्री छूट देना और मोबाइल फोन, सोना, ज्वेलरी व इलेक्ट्रॉनिक सामान से जुड़े नियमों को साफ करना। आइए आसान भाषा में पूरी जानकारी समझते हैं। कस्टम्स बैगेज नियम क्या होते हैं? कस्टम्स बैगेज नियम यह तय करते हैं कि: विदेश से कितना सामान ला सकते हैं किस सामान पर ड्यूटी नहीं लगेगी कितना सोना या ज्वेलरी ला सकते हैं मोबाइल और लैपटॉप जैसे इलेक्ट्रॉनिक सामान की क्या सीमा है कब कस्टम ड्यूटी देनी होगी ये नियम भारतीय नागरिकों, एनआरआई और विदेशी यात्रियों—सभी पर लागू होते हैं जो हवाई या समुद्री रास्ते से भारत आते हैं। सरकार ने अब इन नियमों को अपडेट कर दिया है ताकि आज के समय और बढ़ती कीमतों के हिसाब से यात्रियों को राहत मिल सके। भारतीय या...