Startup Genius

होम लोन लेकर घर या फ्लैट खरीदने के बाद अक्सर एक सवाल सामने आता है— अगर प्रॉपर्टी के मूल दस्तावेज बैंक के पास हैं, तो जरूरत पड़ने पर मालिक अपने घर पर कानूनी मालिकाना हक कैसे साबित करेगा? दरअसल, होम लोन के दौरान बैंक द्वारा मूल दस्तावेज अपने पास रखना एक सामान्य प्रक्रिया है। बैंक इन दस्तावेजों को इसलिए रखता है क्योंकि खरीदी गई प्रॉपर्टी लोन की सुरक्षा के तौर पर बैंक के पास गिरवी रहती है। इसका यह मतलब बिल्कुल नहीं है कि बैंक उस घर का मालिक बन जाता है। जब तक लोन पूरी तरह चुकता नहीं हो जाता, मूल दस्तावेज बैंक के पास रह सकते हैं। इस दौरान प्रॉपर्टी का मालिक अपने नाम से जुड़े कई अन्य दस्तावेजों के जरिए अपने मालिकाना हक और प्रॉपर्टी से संबंध को साबित कर सकता है। इसलिए केवल मूल रजिस्ट्री बैंक के पास होने को लेकर परेशान होने की जरूरत नहीं है। घर या फ्लैट से जुड़े सभी महत्वपूर्ण दस्तावेजों की प्रतियां और सरकारी रिकॉर्ड सुरक्षित रखना बेहद जरूरी है। बैंक मूल प्रॉपर्टी दस्तावेज अपने पास क्यों रखता है? जब कोई व्यक्ति होम लोन लेकर घर खरीदता है, तो आमतौर पर वह प्रॉपर्टी बैंक के लिए लोन की सुरक्षा यानी ...

Maharashtra has introduced stricter rules for the redevelopment of cooperative housing societies, aiming to make the process more transparent, participatory and time-bound. The new framework places greater responsibility on society committees while giving members more opportunities to participate in important decisions. The changes are particularly significant for cities such as Pune and Mumbai, where a large number of old housing societies are considering redevelopment. From mandatory member approval and competitive bids to online participation and access to documents, the new rules seek to reduce arbitrary decision-making and protect the interests of residents. Here are the key changes members should know. 1. At Least 51% of Members Must Approve the Redevelopment One of the most important requirements concerns member approval. For a redevelopment decision to be valid, at least two-thirds of the society's members must be present to meet the required quorum. In addition, the redeve...

Buying a home in a residential society is often seen as a major financial milestone. For most homebuyers, the biggest expense is the monthly home loan EMI. However, there is another recurring cost that can quietly become a significant burden over the years — the monthly maintenance charge. These charges are collected from residents to maintain the common facilities and services of a housing society. While maintenance costs naturally change over time, a sharp increase can become a serious concern for homeowners, particularly when residents do not clearly understand why the charges are rising or how their money is being spent. A recent dispute in Gurugram has brought this issue into focus. Residents of a housing society in Sector 108 are protesting against a steep increase in Common Area Maintenance, or CAM, charges. According to the information available about the dispute, the charges have reportedly increased by around 90% over the past two years. The incident highlights an important q...

Dr. Mayaa SH has emerged as one of the most compelling and transformative voices in contemporary Indian literature, social activism, and gender advocacy. Known widely for her groundbreaking concept of "Developmental Feminism" and her grass-roots "₹1 Initiative", her work bridges the gap between theoretical gender equality and grassroots socio-economic transformation.    Across the evolving landscape of Indian social reform, literature, and gender advocacy, few voices have resonated with the clarity, pragmatic strength, and grassroots impact of Dr. Mayaa SH. Known across national and international forums as a fearless advocate for human rights, a prolific literary icon, and a mental health champion, Dr. Mayaa SH has redefined what it means to lead a social movement in the modern age. At the heart of her life’s work lies a revolutionary vision: bridging the gap between high-minded gender theory and the gritty reality of real-world struggle. Through her groundbreaking ...

Some journeys begin with a clear plan. Others begin with something much simpler—a dream, curiosity, and the belief that life has more to offer. Sweta Singh’s journey belongs to the second kind. A small-town girl with big dreams, Sweta grew up curious about the world around her. She wanted to build a life beyond the familiar boundaries of her surroundings. Naturally introverted, she was not always the loudest person in the room. Instead, she preferred to observe, listen and understand people. That quiet curiosity would eventually shape two very different but deeply connected journeys: a successful career of more than 16 years in Human Resources and Talent Acquisition across India and the Asia-Pacific region, and an emerging career as a fiction author. Building a Career Around People Over the years, Sweta has worked with organisations and leaders across diverse markets, developing talent strategies, building teams and supporting businesses through periods of growth, transformation and ch...

भारत में कई कार खरीदारों के लिए ₹10–15 लाख का बजट एक दिलचस्प लेकिन मुश्किल फैसला सामने रखता है। क्या इस बजट में एक बिल्कुल नई कार का लोअर या मिड वेरिएंट खरीदना बेहतर है, या फिर इसी कीमत में एक पुरानी लेकिन प्रीमियम सेगमेंट की कार लेना ज्यादा समझदारी होगी? नई कार खरीदने का सबसे बड़ा फायदा यह है कि आप पहले मालिक होते हैं। आपको कंपनी की वारंटी मिलती है, नई टेक्नोलॉजी मिलती है और कार के पुराने इस्तेमाल को लेकर कोई चिंता नहीं होती। दूसरी तरफ, सेकेंड-हैंड कार बाजार में इसी बजट में बड़ी, ज्यादा प्रीमियम या बेहतर फीचर्स वाली कार मिल सकती है, जिसकी कीमत नई होने पर काफी ज्यादा होती। पहली नजर में पुरानी प्रीमियम कार बजट का बेहतर इस्तेमाल लग सकती है। लेकिन सिर्फ खरीद कीमत देखकर फैसला करना सही नहीं है। लोन की ब्याज दर, इंश्योरेंस, मेंटेनेंस, रिपेयर, डेप्रिसिएशन और भविष्य की रीसेल वैल्यू भी आपकी कुल लागत को काफी बदल सकती है। इसलिए नई और पुरानी कार में फैसला करते समय सिर्फ कीमत नहीं, बल्कि पूरी ओनरशिप कॉस्ट को देखना जरूरी है। सिर्फ खरीद कीमत नहीं, पूरी लागत देखें बजाज कैपिटल के CBO उत्तम अग्रवाल के अ...

Your phone shows “No Internet,” but the bill at the checkout counter is still waiting. In India, where UPI has become one of the most common ways to pay for everyday purchases, a sudden network failure can be frustrating. Whether you are buying groceries, paying for a cab or making a small payment to a local shop, poor connectivity can interrupt the transaction. But there is an important fact many users may not know: internet connectivity is not required for every digital payment method in India. The Reserve Bank of India (RBI) and the National Payments Corporation of India (NPCI) have introduced and supported several payment solutions that can work with limited or no mobile internet, depending on the service, device, bank and transaction conditions. Here are five options that can act as a backup when your regular UPI app cannot connect. 1. UPI Lite: Keep Small Payments Simple UPI Lite is designed mainly for low-value, everyday transactions. Instead of processing every small payment th...