Startup Genius

आज के समय में शिक्षा, घर, वाहन, व्यवसाय या मेडिकल इमरजेंसी जैसी आवश्यकताओं को पूरा करने के लिए लोन लेना एक आम बात हो गई है। लेकिन लोन लेने से पहले बैंकों या वित्तीय संस्थानों की एक महत्वपूर्ण शर्त होती है – सिबिल स्कोर (CIBIL Score) । अगर आपका स्कोर सही रेंज में आता है, तो लोन मिनटों में स्वीकृत हो सकता है, वरना अच्छी डील मिलना भी मुश्किल हो जाता है। क्या होता है सिबिल स्कोर? सिबिल स्कोर (CIBIL Score) एक तीन अंकों की संख्या होती है जो आपकी क्रेडिट हिस्ट्री को दर्शाती है। यह स्कोर 300 से 900 के बीच होता है और इसे भारत की पहली क्रेडिट ब्यूरो कंपनी CIBIL (Credit Information Bureau India Limited) द्वारा तैयार किया जाता है। यह स्कोर बताता है कि आपने अपने पुराने लोन या क्रेडिट कार्ड का भुगतान कैसे किया है। सिबिल स्कोर कैसे तय होता है? आपके सिबिल स्कोर को तय करने में कई कारकों की भूमिका होती है: भुगतान का इतिहास (Payment History): समय पर EMI और क्रेडिट कार्ड बिल चुकाने पर स्कोर बढ़ता है। क्रेडिट उपयोग अनुपात (Credit Utilization Ratio): जितना कम उपयोग, उतना बेहतर। क्रेडिट ...

Property Papers: Rising property prices have made buying real estate more difficult than ever. In such a situation, it is absolutely essential to verify certain crucial documents while buying a property. A small oversight can lead to major troubles, including long legal battles and frequent court appearances. This article provides you with all the details you need to know. Buying property is one of the biggest and most expensive decisions of a person’s life. That’s why it is vital to move ahead cautiously at every step of the property purchase process. There are several important documents related to a property that must be thoroughly examined. Failing to do so can lead to financial loss and even legal complications. What You Must Keep in Mind Fraud and scams related to property are on the rise. To avoid falling into such traps, it's necessary to be cautious when buying new property. Things like good location, clear and complete documentation, verification of the seller, and abs...

From a Dreaming Child to a Cultural Torchbearer—How One Woman’s Passion for Dance Is Changing Lives Across India In a fast-paced world that often forgets its roots, one woman is making sure ancient traditions live on—not only through breathtaking performances but also by sharing them with the next generation. Dr. Vandana Supriya Kasaravalli , an acclaimed Odissi soloist , visionary arts educator , and the founder of the Anandi Arts Foundation , is more than a dancer—she is a living embodiment of heritage, emotion, and hope . From captivating audiences with her expressive movements to bringing classical dance into government schools, her journey is one of grace, grit, and giving . Through her art, she builds bridges—between tradition and modernity, privilege and poverty, performance and purpose. Where the Journey Began: Childhood Shaped by Creativity Born on June 9, 1986 , in Bangalore , Vandana was raised in an environment that nurtured creativity. Her parents, Yashoda and Balra...

Imagine cruising down a national highway without ever slowing down for a toll booth. No long queues, no fumbling for change, no waiting for the FASTag sensor to beep. Sounds like a dream, right? Well, it’s about to become a reality in India. The Government of India is now revolutionizing the toll tax system , replacing physical toll booths with a satellite-based toll deduction system . This change is not just about technology – it’s about transforming the way we travel . 📢 What Is Changing? Union Minister Nitin Gadkari , during an event held on April 14, 2025 , announced a major shift in toll collection across the country. Here’s what’s new: Toll plazas on highways and expressways will soon disappear . Toll tax will be automatically deducted using satellite tracking and camera surveillance . You’ll pay only for the exact distance you travel. Annual and potentially lifetime toll passes will also be introduced. 🚗 The Problem With the Current System India curr...

घर खरीदना हर इंसान का सपना होता है। जब ये सपना हकीकत में बदलता है, तो खुशी के साथ-साथ कई ज़िम्मेदारियाँ भी साथ आती हैं। खासतौर पर तब जब घर खरीदने के लिए आपको बैंक से होम लोन लेना पड़ता है। भारत में ज्यादातर लोग होम लोन लेकर ही घर खरीदते हैं, लेकिन कई बार जल्दबाज़ी या जानकारी की कमी के कारण वे ऐसी गलतियाँ कर बैठते हैं जो बाद में भारी पड़ती हैं। अगर आप पहली बार होम लोन लेने जा रहे हैं या लेने की सोच रहे हैं, तो यह लेख आपके लिए बेहद ज़रूरी है। यहां हम सरल भाषा में बताएंगे कि होम लोन लेते समय किन 6 बातों का विशेष ध्यान रखना चाहिए ताकि भविष्य में आपको किसी तरह की परेशानी न हो। 1. अपनी आर्थिक स्थिति का सही मूल्यांकन करें होम लोन लेने से पहले सबसे पहली और ज़रूरी चीज़ है – अपनी आर्थिक स्थिति का आंकलन करना। इसमें आपको अपनी मासिक आय, खर्च, पहले से चल रहे किसी लोन या ईएमआई, और बचत का ध्यान रखना होगा। क्यों ज़रूरी है? अगर आप बिना सोचे-समझे ज़्यादा लोन ले लेते हैं, तो आपकी ईएमआई बहुत ज़्यादा हो सकती है जिसे चुकाना आपके लिए मुश्किल हो जाएगा। इससे आपका क्रेडिट स्कोर खराब हो सकता है और मानसिक तन...

In India, every citizen who earns above a certain limit is required to pay income tax. To do so, they must file an Income Tax Return (ITR). There are various forms available for filing ITR, and each has different rules and criteria. Currently, the Income Tax Department has released the ITR-2 form for the financial year 2024-25, which includes several important changes. Let’s understand what the ITR-2 form is and what modifications have been made in it. What Is ITR-2 Form and Who Should Use It? The ITR-2 form is used by individuals and Hindu Undivided Families (HUFs) who: Earn income through salary or pension. Have more than one house property. Earn capital gains from the sale of shares, mutual funds, property, or other assets. Have income from foreign assets or foreign sources. Have an annual income exceeding ₹50 lakh. Do not have income from business or profession (for which ITR-3 or ITR-4 is applicable). This form is essential for salaried individuals and pens...

2025 marks a historic milestone for India. According to recent data, India has overtaken Japan to become the 4th largest economy in the world. This achievement is not only an economic victory but also a testament to India's growing influence on the global stage. India's Gross Domestic Product (GDP) has now surpassed $4 trillion , ranking just behind China, the United States, and Germany. But this economic growth raises some crucial questions — does GDP truly reflect a country’s progress and development? Does it account for social reforms, education, healthcare, and the quality of life? In this article, we will explore the significance of this achievement, the importance and limitations of GDP, and how true development should be measured. India’s Historic Leap India's GDP in 2025: An Overview In 2025, India's GDP is expected to exceed $4 trillion , surpassing Japan and claiming the fourth spot in the global rankings. This achievement is significant for several re...