#government schemes for startups

[votermood]

Explore how political parties are leveraging women-centric agendas to address gender disparities, attract diverse voters, and redefine electoral strategies for future success.

[foxnangelseo]

Legal Aspects of Investment in India: What Investors Need to Know

Investing in India's vibrant startup ecosystem offers lucrative opportunities for investors seeking high growth potential and diversification. However, understanding the legal aspects of investment is crucial to mitigate risks and ensure compliance with regulatory requirements. In this blog, we will delve into the critical legal aspects of funding and investment in Indian startups, covering equity financing, debt financing, crowdfunding, incubators, and government schemes like the Startup India Seed Fund Scheme (SISFS). By gaining insights into these legal frameworks, investors can make informed decisions and navigate the complexities of the Indian investment landscape effectively.

Equity Financing:

Equity financing plays a pivotal role in funding Indian startups, with angel investors, venture capitalists, and private equity investors being key stakeholders. Venture capitalists typically enter into non-binding offers with startups based on preliminary valuations and due diligence processes. This involves the execution of various transaction documents, including term sheets, share subscription agreements, and shareholders' agreements, which outline rights, obligations, and exit options for investors. Similarly, angel investors, who are industry professionals, fund startups in return for equity stakes, subject to regulations imposed by SEBI. Understanding these legal agreements and regulatory requirements is essential for investors engaging in equity financing in India.

Debt Financing:

Debt financing, through loans or external commercial borrowings (ECBs), is another avenue for financing Indian startups. Banks and non-banking finance companies (NBFCs) provide loans to startups for purchasing inventory, equipment, and securing operating capital. However, obtaining a loan involves rigorous documentation, including loan agreements, security/collateral documentation, and compliance with regulatory norms. Additionally, external commercial borrowings from non-resident lenders require adherence to restrictions on capital market investments and acquisitions in India. Investors should familiarize themselves with these legal requirements to facilitate smooth debt financing transactions.

Crowdfunding:

Crowdfunding has emerged as a revolutionary way of obtaining seed funding for startups by securing funds from a large group of people through online platforms. While crowdfunding offers a decentralized approach to fundraising, regulatory frameworks governing this practice are still evolving in India. The Securities and Exchange Board of India (SEBI) released a consultation paper on crowdfunding in 2014, but formal regulations are yet to be issued. Investors should stay updated on regulatory developments and exercise caution when participating in crowdfunding activities in India.

Incubators:

Incubators play a crucial role in nurturing startup ventures by providing resources and services in exchange for equity stakes. These entities, whether government-aided or private, offer management training, administrative support, and legal compliance assistance to startups during the incubation period. Understanding the terms and conditions of engagement with an incubator, including equity dilution and exit options, is essential for investors considering incubation as a financing option for Indian startups.

Startup India Seed Fund Scheme (SISFS):

The Startup India Seed Fund Scheme (SISFS), launched by the Department of Promotion of Industry and Internal Trade (DPIIT), aims to provide financial assistance to startups for proof of concept, prototype development, and market entry. Eligible startups can receive grants and investments from selected incubators, subject to certain criteria and guidelines. Investors interested in leveraging the SISFS should familiarize themselves with the scheme's objectives, eligibility criteria, and disbursement process to maximize investment opportunities in Indian startups.

In conclusion, navigating the legal aspects of investment in India's vibrant startup ecosystem is essential for investors looking to capitalize on the country's burgeoning entrepreneurial landscape. As highlighted throughout this guide, understanding the nuances of equity financing, debt financing, crowdfunding, incubators, and government schemes like the Startup India Seed Fund Scheme (SISFS) is crucial for making informed investment decisions and mitigating risks effectively.

Equity financing, facilitated by angel investors, venture capitalists, and private equity investors, offers startups the capital needed for growth while providing investors with opportunities for high returns. However, navigating the intricacies of term sheets, share subscription agreements, and shareholders' agreements requires a deep understanding of legal frameworks and regulatory requirements. By comprehensively analyzing these documents and seeking legal counsel, investors can safeguard their interests and maximize their investment potential in Indian startups.

Similarly, debt financing presents an alternative avenue for startups to access capital through loans and external commercial borrowings. While loans from banks and NBFCs provide startups with operational flexibility, compliance with regulatory norms and documentation requirements is paramount. Investors must conduct thorough due diligence and assess the risks associated with debt financing, including collateral obligations and repayment terms, to ensure a sound investment strategy.

Crowdfunding, although gaining popularity as a decentralized funding mechanism for startups, remains relatively nascent in India. While platforms like Wishberry and Catapoolt offer startups access to a broader investor base, regulatory frameworks governing crowdfunding are still evolving. Investors should closely monitor regulatory developments and exercise caution when participating in crowdfunding activities to mitigate potential risks and ensure compliance with applicable laws.

Incubators play a pivotal role in nurturing early-stage startups by providing resources, mentorship, and networking opportunities. However, investors considering incubation as a financing option must carefully evaluate the terms and conditions of engagement, including equity dilution and exit options. By aligning their investment objectives with the goals of the incubator and conducting thorough due diligence on prospective startups, investors can enhance their chances of success in the incubation ecosystem.

Government schemes like the Startup India Seed Fund Scheme (SISFS) offer additional avenues for financing startups and promoting innovation. By providing financial assistance and support to eligible startups, these schemes aim to foster entrepreneurship and accelerate economic growth. Investors interested in leveraging government initiatives should familiarize themselves with the eligibility criteria, application process, and disbursement mechanisms to capitalize on investment opportunities in Indian startups.

In conclusion, investing in India's dynamic startup ecosystem offers unparalleled opportunities for growth, innovation, and diversification. However, navigating the legal complexities of investment requires diligence, expertise, and a thorough understanding of regulatory frameworks. By staying informed, seeking professional advice, and conducting comprehensive due diligence, investors can effectively navigate the legal aspects of investment in Indian startups and unlock the full potential of this thriving ecosystem. As India continues to emerge as a global hub for entrepreneurship and innovation, strategic investments in its startup landscape have the potential to yield significant returns and shape the future of the country's economy.

This post was originally published on: Foxnangel

[klubwork]

Choosing The Best Bank for Msme Loan: Top Options For 2024

In the dynamic landscape of small and medium enterprises (SMEs), securing the right financing is crucial for growth and sustainability. For MSMEs in India, finding the best bank for MSME loan can make a significant difference in their financial health and expansion capabilities. With various options available, it's essential to understand the top banks and their offerings for 2024, especially for those seeking a 2-crore loan for business or exploring unsecured SME loans. 

Understanding MSME finance 

MSME finance encompasses a range of financial services tailored to meet the needs of micro, small, and medium enterprises. Given the diversity in the needs of MSMEs, banks offer various loan products like machinery loan for msme and msme subsidy on machinery, including those under the MSME startup scheme and government loan for MSME programs. 

Top banks for MSME loans in 2024 

1. State Bank of India (SBI)

   SBI continues to be a leader in the MSME finance sector. SBI’s offerings include unsecured SME loans, which are ideal for businesses that may not have significant collateral to pledge. 

2. HDFC Bank

   HDFC Bank is another top contender when it comes to MSME loans. For those looking for a substantial sum, HDFC also facilitates a 2 crore loan for business purposes, ensuring ample capital for expansion. 

3. ICICI Bank

   ICICI Bank offers a comprehensive suite of MSME finance solutions, including the MSME startup scheme. Their user-friendly application process and quick disbursal times are added advantages. 

4. Punjab National Bank (PNB)

   PNB stands out with its dedicated MSME loan products that cater to various business needs. Their government loan for MSME programs are designed to provide financial assistance with favourable terms. 

5. Bank of Baroda

   Bank of Baroda has a strong presence in the MSME sector, offering a range of financial products to support business growth. Their MSME loans are designed to cater to different business stages and needs, including the requirement for a 2 crore loan for business expansion. Bank of Baroda also participates in government initiatives, providing govt MSME loans to help businesses access affordable financing. 

Factors to consider when choosing a bank 

When selecting the best bank for MSME loan, several factors should be considered: 

- Interest rates and fees: Compare the interest rates and any additional fees associated with the loan. Lower rates can significantly reduce the cost of borrowing.

- Loan amount and terms: Ensure that the bank offers the loan amount you need, such as a 2 crore loan for business, and flexible repayment terms that suit your financial capabilities.

- Collateral requirements: Determine if the loan is secured or unsecured. Unsecured SME loans are beneficial for businesses without substantial assets to pledge.

- Application process: Look for banks with a straightforward and quick application process. This can save time and help you access funds faster.

- Customer service: Good customer service can make the loan process smoother and provide ongoing support for your financial needs. 

Leveraging Klub for funding opportunities

Klub, an innovative platform specialising in revenue-based financing, offers startups an alternative funding model. By leveraging Klub, entrepreneurs can access capital without giving up equity, aligning repayments with their revenue streams. 

Conclusion 

Choosing the best bank for MSME loan involves careful consideration of various factors, including the specific needs of your business and the terms offered by different banks. In 2024, banks like SBI, HDFC, ICICI, PNB, and Bank of Baroda stand out as top options for MSME finance. Whether you are seeking a government loan for MSME or a govt msme loan scheme, an unsecured SME loan, or a substantial loan amount for business expansion, these banks provide a range of solutions to support your enterprise’s growth. By evaluating the available options and selecting the best fit, MSMEs can secure the financial backing needed to thrive in today’s competitive market.

[careertriangles]

Ladli Behna Yojana

Ladli Behna Yojana is a commendable social welfare scheme that marks a significant stride towards empowering women in society. This initiative is specifically tailored to address the multifaceted challenges faced by women, aiming to bolster their economic independence, enhance their social status, and ensure their well-being and dignity. The program encompasses a spectrum of benefits including financial assistance, which is instrumental in providing women with the means to pursue education, healthcare, and entrepreneurial ventures.

[abtik]

Udyam Registration: Empowering Small Businesses for Growth

The Micro, Small, and Medium Enterprises (MSME) sector, often hailed as the backbone of the Indian economy, is undergoing a digital transformation with the introduction of online registration processes. As of current data, there are approximately 633.9 lakh registered MSMEs in India, showcasing the sector's vital role in economic development. This article explores the significance of MSMEs, the online registration process, and the recent amendments in the MSME Development Act.

MSME Significance:

MSMEs, standing for Micro, Small, and Medium Enterprises, play a pivotal role in fostering self-reliance in India. They contribute substantially to the country's GDP, manufacturing output, and exports, making up over 99% of the MSME population. Moreover, the sector serves as a major employment generator, employing over 11 crore individuals, contributing significantly to India's economic growth.

Revised MSMED Act:

Categories and Limits:

Under the revised classification, MSMEs are categorized based on turnover and investment limits:

Micro: Turnover up to 1 Crore, Investment up to 5 Crore

Small: Turnover up to 10 Crore, Investment up to 50 Crore

Medium: Turnover up to 50 Crore, Investment up to 250 Crore

Udyam Registration:

Udyam Registration, the process that classifies enterprises into Micro, Small, or Medium categories, can be completed online through self-declaration, eliminating the need for document submission. Upon completion, MSMEs receive a unique Udyam Registration Number (URN) and an e-Certificate (URC).

Importance of Udyam Registration:

Udyam registration opens doors to various benefits for MSMEs, including access to finance facilities, government schemes, subsidies, and interest subvention. It also facilitates participation in tenders, offers protection against delayed payments, and provides concessions in taxes, electricity bills, and trademark registration.

Document Requirements:

Eligibility and Application Process:

Eligibility for Udyam Registration spans a wide range of entities, including individuals, startups, private and public limited companies, sole proprietorships, partnerships, LLPs, SHGs, co-operative societies, and trusts. The online application process is user-friendly, catering to both new entrepreneurs and those with existing registrations.

Conclusion:

As India strives for economic growth and self-reliance, the MSME sector stands at the forefront, driving innovation and providing employment opportunities. The streamlined Udyam Registration process further empowers businesses by granting them access to a myriad of benefits, ultimately contributing to the sector's resilience and vitality in the Indian economy.

[123digimark]

ArcelorMittal and IIT Madras Join Forces to Build Asia's First Hyperloop Test Track

ArcelorMittal partners with IIT Madras to provide key support for building Asia's first Hyperloop test track, enabling IIT Madras teams to develop affordable high-speed transportation. The test track will be operational in early 2024.

ArcelorMittal in a joint effort with IIT Madras, working intimately with Hyperloop teams of IIT Madras such as TuTr Hyperloop - a start-up of IIT-M, Avishkar Hyperloop, and student team, which are involved in developing budget-friendly hyperloop (high-speed transportation systems) technologies for public and cargo transportation on a large scale.

To support the construction of Asia’s first Hyperloop test track at IIT Madras, ArcelorMittal and AM/NS India are providing essential steel materials, along with engineering, design, and project management prowess.

ArcelorMittal's Chief Technology Officer, Pinakin Chaubal, said, "This is a highly exciting project to be part of. IIT Madras is at the vanguard of deep-tech development in India, and TuTr Hyperloop’s technology and persistent determination inspire huge confidence about their ability to be pioneers in Hyperloop, a mobility transition industry in which steel would have a crucial role to play."

India's Railway Ministry is a significant partner in this Hyperloop initiative. Hyperloop technology's objective is to provide affordable, high-speed, sustainable, and reliable transportation.

AMDEC is also helping the Hyperloop team - posting some experienced engineers to supervise the project progress and provide design, during the crucial phase of the installation process. The test facility is anticipated to be operational by the end of the first quarter, of 2024.

After the completion of the proof-of-concept phase, the next step would be the construction of an operating demonstration route for practical use to verify the techno-commercial potential of this Hyperloop technology.

ArcelorMittal recently partnered with IIT Madras and also promises to help in expanding the other esteemed technology institutes that are aiming to discover, assist, and guide start-ups.

[kokaniudyojak]

Small Business Ideas - लहान व्यवसाय कल्पना - लॅपटॉपसह लाखोंचा स्थानिक व्यवसाय सुरू करा, Google अर्धे काम करेल.

कमी गुंतवणूक जास्त नफा स्टार्टअप व्यवसाय कल्पना  Small Business Ideas : कोणताही स्टार्टअप किंवा व्यवसाय, लहान किंवा मोठा, ही केवळ एका व्यक्तीची बाब नाही. आम्ही ��ुम्हाला एक असा स्थानिक व्यवसाय सांगत आहोत, ज्यामध्ये तुम्हाला अर्धे काम करावे लागेल आणि उरलेले अर्धे काम गुगल करेल. यामुळे तुमचा आत्मविश्वास उंचावेल आणि लोक तुमच्यावर पहिल्यापासून विश्वास ठेवतील. प्रारंभ करण्यासाठी आपल्याला फक्त एका…

[afeelgoodblog]

The Best News of Last Week

1. ‘We are just getting started’: the plastic-eating bacteria that could change the world

In 2016, Japanese scientists Oda and Hiraga published their discovery of Ideonella sakaiensis, a bacterium capable of breaking down PET plastic into basic nutrients. This finding marked a shift in microbiology's perception, recognizing the potential of microbes to solve pressing environmental issues.

France's Carbios has successfully applied bacterial enzyme technology to recycle PET plastic waste into new plastic products, aligning with the French government's goal of fully recycling plastic packaging by 2025.

2. HIV cases in Amsterdam drop to almost zero after PrEP scheme

According to Dutch AIDS Fund, there were only nine new cases of the virus in Amsterdam in 2022, down from 66 people diagnosed in 2021. The organisation claimed that 128 people were diagnosed with HIV in Amsterdam in 2019, and since 2010, the number of new infections in the Dutch capital has fallen by 95 per cent.

3. Cheap and drinkable water from desalination is finally a reality

In a groundbreaking endeavor, engineers from MIT and China have designed a passive solar desalination system aimed at converting seawater into drinkable water.

The concept, articulated in a study published in the journal Joule, harnesses the dual powers of the sun and the inherent properties of seawater, emulating the ocean’s “thermohaline” circulation on a smaller scale, to evaporate water and leave salt behind.

4. World’s 1st drug to regrow teeth enters clinical trials

The ability to regrow your own teeth could be just around the corner. A team of scientists, led by a Japanese pharmaceutical startup, are getting set to start human trials on a new drug that has successfully grown new teeth in animal test subjects.

Toregem Biopharma is slated to begin clinical trials in July of next year after it succeeded growing new teeth in mice five years ago, the Japan Times reports.

5. After Decades of Pressure, US Drugmaker J&J Gives Up Patent on Life-Saving TB Drug

In what can be termed a huge development for drug-resistant TB (DR-TB) patients across large parts of the world, bedaquiline maker Johnson and Johnson said on September 30 (Saturday) that it would drop its patent over the drug in 134 low- and middle-income countries (LMICs).

6. Stranded dolphins rescued from shallow river in Massachusetts

7. ‘Staggering’ green growth gives hope for 1.5C, says global energy chief

The prospects of the world staying within the 1.5C limit on global heating have brightened owing to the “staggering” growth of renewable energy and green investment in the past two years, the chief of the world’s energy watchdog has said.

Fatih Birol, the executive director of the International Energy Agency, and the world’s foremost energy economist, said much more needed to be done but that the rapid uptake of solar power and electric vehicles were encouraging.

---

That's it for this week :)

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[mostlysignssomeportents]

Academic economists get big payouts when they help monopolists beat antitrust

After 40 years of rampant corporate crime, there's a new sheriff in town: Jonathan Kanter was appointed by Biden to run the DOJ Antitrust Divisoon, and he's overseen 170 "significant antitrust actions" in the past 2.5 years, culminating in a court case where Google was ruled to be an illegal monopolist:

https://pluralistic.net/2024/08/07/revealed-preferences/#extinguish-v-improve

Kanter's work is both extraordinary and par for the course. As Kanter said in a recent keynote for the Fordham Law Competition Law Institute’s 51st Annual Conference on International Antitrust Law and Policy, we're witnessing an epochal, global resurgence of antitrust:

https://www.justice.gov/opa/speech/assistant-attorney-general-jonathan-kanter-delivers-remarks-fordham-competition-law-0

Kanter's incredible enforcement track record isn't just part of a national trend – his colleagues in the FTC, CFPB and other agencies have also been pursuing an antitrust agenda not seen in generations – but also a worldwide trend. Antitrust enforcers in Canada, the UK, the EU, South Korea, Australia, Japan and even China are all taking aim at smashing corporate monopolies. Not only are they racking up impressive victories against these giant corporations, they're stealing the companies' swagger. After all, the point of enforcement isn't just to punish wrongdoing, but also to deter wrongdoing by others.

Until recently, companies hurled themselves into illegal schemes (mergers, predatory pricing, tying, refusals to deal, etc) without fear or hesitation. Now, many of these habitual offenders are breaking the habit, giving up before they've even tried. Take Wiz, a startup that turned down Google's record-shattering $23b buyout offer, understanding that the attempt would draw more antitrust scrutiny than it was worth:

https://finance.yahoo.com/news/wiz-turns-down-23-billion-022926296.html

As welcome as this antitrust renaissance is, it prompts an important question: why didn't we enforce antitrust law for the 40 years between Reagan and Biden?

That's what Kanter addresses the majority of his remarks to. The short answer is: crooked academic economists took bribes from monopolists and would-be monopolists to falsify their research on the impacts of monopolists, and made millions (literally – one guy made over $100m at this) testifying that monopolies were good and efficient.

After all, governments aren't just there to enforce rules – they have to make the rules first, and do to that, they need to understand how the world works, so they can understand how to fix the places where it's broken. That's where experts come in, filling regulators' dockets and juries' ears with truthful, factual testimony about their research. Experts can still be wrong, of course, but when the system works well, they're only wrong by accident.

The system doesn't work well. Back in the 1950s, the tobacco industry was threatened by the growing scientific consensus that smoking caused cancer. Industry scientists confirmed this finding. In response, the industry paid statisticians, doctors and scientists to produce deceptive research reports and testimony about the tobacco/cancer link.

The point of this work wasn't necessarily to convince people that tobacco was safe – rather, it was to create the sense that the safety of tobacco was a fundamentally unanswerable question. "Experts disagree," and you're not qualified to figure out who's right and who's wrong, so just stop trying to figure it out and light up.

In other words, Big Tobacco's cancer denial playbook wasn't so much an attack on "the truth" as it was an attack on epistemology – the system by which we figure out what is true and what isn't. The tactic was devastatingly effective. Not only did it allow the tobacco giants to kill millions of people with impunity, it allowed them to reap billions of dollars by doing so.

Since then, epistemology has been under sustained assault. By the 1970s, Big Oil knew that its products would render the Earth unfit for human habitation, and they hired the same companies that had abetted Big Tobacco's mass murder to provide cover for their own slow-motion, planetary scale killing spree.

Time and again, big business has used assaults on epistemology to provide cover for unthinkable crimes. This has given rise to today's epistemological crisis, in which we don't merely disagree about what is true, but (far more importantly) disagree about how the truth can be known:

https://pluralistic.net/2024/03/25/black-boxes/#when-you-know-you-know

Ask a conspiratorialist why they believe in Qanon or Hatians in Springfield eating pets, and you'll get an extremely vibes-based answer – fundamentally, they believe it because it feels true. As the old saying goes, you can't reason someone out of a belief they didn't reason their way into.

This assault on reason itself is at the core of Kanter's critique. He starts off by listing three cases in which academic economists allowed themselves to be corrupted by the monopolies they studied:

George Mason University tricked an international antitrust enforcer into attending a training seminar that they believed to be affiliated with the US government. It was actually sponsored by the very companies that enforcer was scrutnizing, and featured a parade of "experts" who asserted that these companies were great, actually.

An academic from GMU – which receives substantial tech industry funding – signed an amicus brief opposing an enforcement action against their funders. The academic also presented a defense of these funders to the OECD, all while posing as a neutral academic and not disclosing their funding sources.

An ex-GMU economist, Joshua Wright, submitted a study defending Qualcomm against the FTC, without disclosing that he'd been paid to do so. Wright has elevated undisclosed conflicts of interest to an art form:

https://www.wsj.com/us-news/law/google-lawyer-secret-weapon-joshua-wright-c98d5a31

Kanter is at pains to point out that these three examples aren't exceptional. The economics profession – whose core tenet is "incentive matter" – has made it standard practice for individual researchers and their academic institutions to take massive sums from giant corporations. Incredibly, they insist that this has nothing to do with their support of monopolies as "efficient."

Academic centers often serve as money-laundries for monopolist funders; researchers can evade disclosure requirements when they publish in journals or testify in court, saying only that they work for some esteemed university, without noting that the university is utterly dependent on money from the companies they're defending.

Now, Kanter is a lawyer, not an academic, and that means that his job is to advocate for positions, and he's at pains to say that he's got nothing but respect for ideological advocacy. What he's objecting to is partisan advocacy dressed up as impartial expertise.

For Kanter, mixing advocacy with expertise doesn't create expert advocacy – it obliterates expertise, as least when it comes to making good policy. This mixing has created a "crisis of expertise…a pervasive breakdown in the distinction between expertise and advocacy in competition policy."

The point of an independent academia, enshrined in the American Association of University Professors' charter, is to "advance knowledge by the unrestricted research and unfettered discussion of impartial investigators." We need an independent academy, because "to be of use to the legislator or the administrator, [an academic] must enjoy their complete confidence in the disinterestedness of [his or her] conclusions."

It's hard to overstate just how much money economists can make by defending monopolies. Writing for The American Prospect, Robert Kuttner gives the rate at $1,000/hour. Monopoly's top defenders make unimaginable sums, like U Chicago's Dennis Carlton, who's brought in over $100m in consulting fees:

https://prospect.org/economy/2024-09-24-economists-as-apologists/

The hidden cost of all of this is epistemological consensus. As Tim Harford writes in his 2021 book The Data Detective, the truth can be known through research and peer-review:

https://pluralistic.net/2021/01/04/how-to-truth/#harford

But when experts deliberately seek to undermine the idea of expertise, they cast laypeople into an epistemological void. We know these questions are important, but we can't trust our corrupted expert institutions. That leaves us with urgent questions – and no answers. That's a terrifying state to be in, and it makes you easy pickings for authoritarian grifters and conspiratorial swindlers.

Seen in this light, Kanter's antitrust work is even more important. In attacking corporate power itself, he is going after the machine that funds this nihilism-inducing corruption machine.

This week, Tor Books published SPILL, a new, free LITTLE BROTHER novella about oil pipelines and indigenous landback!

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/09/25/epistemological-chaos/#incentives-matter

Image: Ron Cogswell (modified) https://en.wikipedia.org/wiki/File:George.Mason.University.Arlington.Campus.jpg

CC BY 2.0 https://creativecommons.org/licenses/by/2.0/

[natalievoncatte]

“Careful with that! We have to assume everything here is dangerous.”

Lena would have preferred to be anywhere else. The last thing she wanted to occupy her afternoon was dealing with yet another reminder of her brother’s sprawling insanity. Every one of these weapons caches -he probably would have melodramatically called them “hideouts” or “secret bases”- was like a tombstone marking the grave of the only truly sincere, loving relationship she’d ever had in her life.

He hadn’t always been the slavering maniac with an incoherent obsession with killing a superhero. He’d been a protector and a benefactor, a chess opponent and a confidant, the only person in her life who presented an uncomplicated human connection, without any ulterior motives or conditions.

Everyone else wanted something from her. Money. Power. A competitive advantage. Technological secrets. Or just sex. Lena resented that most of all, the gray old men who saw nothing of her achievements or her intellect and regarded her as just another piece of ass with blue enough blood that they had to ask permission rather than simply grope.

Watching her crew load up the equipment in this sweltering heat made her physically ill, and she was glad she’d skipped breakfast. Kara would be upset if she knew.

She’s had to text Kara and let her know that she’d be out of the office and would have to skip their lunch plans. Kara was…

Kara was becoming a complication, because Kara was doing the one thing Lena wished she wouldn’t: She was giving Lena hope. She’d barreled into Lena’s life with an earnest intensity that had been bewildering at first and intriguing afterwards, with her insistence that they be friends, and constant reminders that they were friends, even as her eyes wandered to Lena’s cleavage or she unconsciously bit her lip and stared that smoldering stare just to look away at the last second.

Lena shook her head, clearing her thoughts of yet another Straight Best Friend taking her down that well-worn path of sapphic suffering. She had bigger fish to fry right now.

It was too bad that her relationship with Supergirl had been so chilly lately. It might have been easier to simply tip off the hero and the government agency she worked with and let them handle the clean up.

Lena was deep in reverie when one of the crates, a bulky reinforced one, dropped a good two feet from a forklift and the wood splintered as the locks burst free.

“Idiot!” Lena shouted at the driver. “This equipment is sensitive and potentially dangerous, and…”

“STARTUP SEQUENCE INITIATED.”

A metallic voice ground out of the crate and it shifted as something vast and bulky moved around inside. Lena stumbled back, glad she’d opted for a sensible set of flats for this, and turned to run.

A metallic claw crashed out of the crate, followed by an arm-mounted rotary cannon. The older model Lexosuit, one of the originals that Lex had planned to illegally smuggle out of the country in a fake theft scheme and sell to the Kasnians, stood up in its shaky, clanking way and took a few steps, shaking off planks and nylon straps the way a baby bird might shake off pieces of shell.

There was nowhere to go. The machine scanned the room, moving jerkily as it zeroed in on her.

Lex’s voice, a recording, boomed from its loudspeakers.

“Ah, dear sister, I see you’ve found another of my hidden fastnesses.”

You melodramatic-

“Oh well. I should thank you for setting off the security system. I won’t have to waste my precious time killing you myself. Au revoir, Lena!”

The suit spun its arm cannon and aimed at her. The barrels assembly made a half turn, the electric motor charging up as it cycled the first 32mm mass-reactive exploding shell into the chamber. Lex had once called it a masterpiece in the art of violating the Geneva Conventions. It was about to blow Lena inside out, and the subsequent shots reduce her to a the chunky consistency of a good bolognése.

But then there was a wind that was not a wind, and SHE was there.

Supergirl seized Lena with precision and grace, hands that could crush diamonds pressed just so over Lena’s ears to protect her from the roar of the guns. Lena wasn’t sure who screamed louder, her or Supergirl, as the revolving barrels ripped out their entire supply of ammunition in a few seconds, pummeling Supergirl’s back with explosions that could have shredded a tank, as the hero cradled Lena, sheltering her with her superhuman body.

When the hellstorm was over, the machine charged at them.

Supergirl did scream now, and fell upon the machine in a berserk rage. Lena had seen her in a fight before and knew she could be terrible to behold, but this was different. The empty suit was struck with such unending fury that she reduced it to shreds of metal and oil-spitting chunks of machinery in moments, spreading it halfway across the floor of warehouse.

When Supergirl rounded on her, Lena’s heart skipped. The hero’s chest was heaving, straining at the crest on her chest even as the bunching muscles on her arms and stomach pulled at the material, her perfect hair swirling around as she turned, that angelic face marred by a streak of oil and a sheen of sweat.

How dare she just look like that. It was incredibly unfair.

Before Lena knew it what was happening, Supergirl was lifting her into a heart-skipping bridal carry, pulling her much too close as she took off. On instinct, Lena pressed her eyes shut and buried her face in the Kryptonian’s neck, to hide from the heights.

Moments later they landed, and Supergirl threw Lena’s balcony door back and deposited her on her feet, leaving her stumbling back against her kitchen island in a daze. Supergirl stared at her, looming over Lena with the height difference increased by her stacked heels and Lena having lost her shoes at some point, so her stocking toes were left curling on the cold floor.

“That thing almost killed you,” Supergirl snapped. “If Is been a millisecond later you’d be dead.”

Her voice was tight with emotion, somewhere between anger, exasperation, and terror, and it felt like a fist closed in Lena’s chest.

“Are you sure you just weren’t there to make sure I wasn’t taking Lex’s old suit for a spin myself?” Lena spat, though her voice trembled. “You don’t seem to trust a thing I say lately. If I tell you the sky is blue you’ll go check.”

Supergirl’s face flushed and Lena braced for another booming, self righteous speech about trust or safety or the meaning of teamwork or some such heroic nonsense, but then her voice shattered into a million pieces and tears welled wet in her eyes.

“All I want is for you to be okay.”

A thousand thoughts danced in Lena’s mind. To ask her why, to defy her, to taunt her, to demand what exactly it was that made Lena so damned important that this woman was so intense about her safety one moment and so angry the next.

In the dance of all those thoughts, the more base instinct won out. Lena grabbed Supergirl by the neck of her suit, just below those delightful collarbones of hers, and used it as a handle to pull herself into a hard, aggressive kiss.

The world hung still for a moment, and Lena felt it all pivot around her. Something big was happening here. Something huge, something…

Something forgotten entirely as Supergirl’s tongue roughly claimed Lena’s mouth and her hands raked over Lena’s ass, dragging her skirt up.

Oh God, she thought, this is actually happening.

Lips pressed to her skin, the words burning hot into her flesh like an invocation.

“Is this okay?” Supergirl whispered.

“Yes,” Lena moaned, without hesitation.

To be continued…

[colonelrajyavardhanrathore]

Union Budget 2025: Rajasthan Minister Col Rajyavardhan Rathore Highlights Boost for MSMEs & Startups

The Union Budget 2025, presented by Finance Minister Nirmala Sitharaman, has placed a strong emphasis on fostering entrepreneurship, innovation, and economic self-reliance. Rajasthan’s Minister Rajyavardhan Singh Rathore has lauded the budget’s focus on Micro, Small & Medium Enterprises (MSMEs) and Startups, calling it a game-changer for India’s business ecosystem.

This budget introduces bold incentives, funding support, and digital transformation initiatives to empower small businesses and young entrepreneurs, ensuring that they remain the backbone of India’s growing economy.

Key Announcements for MSMEs & Startups

1. Enhanced Credit Support for MSMEs

✅ ₹50,000 Crore Expansion in Credit Guarantee Scheme — Making loans easily accessible for small businesses. ✅ Interest Subvention for MSMEs — Lower borrowing costs to promote business expansion. ✅ Tax Relief for MSMEs — Increased turnover threshold for tax exemptions.

2. Startup India 3.0 — A New Era of Entrepreneurship

✅ ₹25,000 Crore Startup Growth Fund — Supporting early-stage and high-impact startups. ✅ Easier Compliance & Single Window Clearance for business registrations. ✅ Tax Holiday Extension for eligible startups, reducing financial stress.

3. Technology & Digital Transformation

✅ AI, Blockchain & Cloud Support for MSMEs — Helping businesses adopt advanced technology. ✅ Digital Payment Incentives — Encouraging a cashless economy and financial inclusion. ✅ Boost for FinTech & E-commerce Startups — Simplified regulations and incentives.

4. Skill Development & Job Creation

✅ New Entrepreneurship Hubs in Tier-2 & Tier-3 Cities to nurture local talent. ✅ ₹10,000 Crore Allocation for Digital Skilling & AI Training — Preparing the youth for high-growth industries. ✅ Expansion of Production-Linked Incentive (PLI) Scheme to generate employment in key sectors.

Rajasthan’s Gains: A Thriving Hub for MSMEs & Startups

Minister Rajyavardhan Singh Rathore highlighted how Rajasthan stands to benefit immensely from these policies, stating:

“This budget reflects the Modi government’s unwavering commitment to empowering MSMEs and startups. Rajasthan, with its strong entrepreneurial spirit, will see a surge in new businesses, innovation hubs, and employment opportunities.”

He emphasized three major gains for Rajasthan’s business ecosystem:

Tourism & Handicrafts MSMEs will receive enhanced support for global market expansion.

Renewable Energy Startups in Rajasthan will gain access to Green Funds.

Agritech & Rural Startups will benefit from new funding and digital infrastructure.

A Vision for Aatmanirbhar Bharat

The Union Budget 2025 ensures that India’s MSMEs and startups thrive in a competitive global economy. With tax incentives, credit support, and technology integration, this budget paves the way for a self-reliant and prosperous India.

Col. Rajyavardhan Rathore’s message to entrepreneurs:

“This is the best time to be an entrepreneur in India. With government support and strong policies, MSMEs and startups are set to become the driving force behind ‘Viksit Bharat’.”

🚀 A New Era of Business Begins! Jai Hind! Jai Rajasthan! 🇮🇳

[rajasthan-political-leader]

Viksit Bharat Budget 2025: Col Rajyavardhan Rathore’s Insights on India’s Growth Vision

The Viksit Bharat Budget 2025 marks a pivotal moment in India’s economic trajectory, laying the foundation for a developed nation by 2047. Colonel Rajyavardhan Singh Rathore, a distinguished parliamentarian and former Union Minister, has been a vocal proponent of initiatives that drive national growth and development.

1. Introduction to Viksit Bharat Budget 2025

The Union Budget for 2025–26, termed the Viksit Bharat Budget, underscores the government’s commitment to transforming India into a developed nation by its centenary of independence in 2047. This budget introduces several key initiatives aimed at bolstering various sectors of the economy.

2. Key Highlights of the Budget

2.1. Prime Minister’s Dhan-Dhanya Yojana

A significant highlight is the introduction of the Prime Minister’s Dhan-Dhanya Yojana, targeting the agricultural sector. This scheme aims to provide financial and infrastructural support to approximately 1.7 crore farmers, especially in regions with low agricultural productivity. The focus is on enhancing crop production, improving rural infrastructure, and ensuring financial stability for farmers.

2.2. Emphasis on Technology and Innovation

The budget places a strong emphasis on technology and innovation, recognizing them as catalysts for economic growth. Investments are directed towards research and development, digital infrastructure, and fostering startups, aiming to position India as a global leader in technological advancements.

2.3. Infrastructure Development

Significant allocations have been made for infrastructure projects, including the development of highways, railways, and urban facilities. These projects are expected to enhance connectivity, boost trade, and create employment opportunities across the country.

3. Col Rajyavardhan Rathore’s Perspective

Col Rajyavardhan Rathore has consistently advocated for policies that promote holistic national development. His insights into the Viksit Bharat Budget 2025 reflect his commitment to India’s growth vision.

3.1. Support for Agricultural Initiatives

Recognizing the pivotal role of agriculture in India’s economy, Col Rathore supports the Dhan-Dhanya Yojana’s focus on uplifting farmers. He emphasizes the need for modernizing agricultural practices and providing farmers with the necessary resources to enhance productivity.

3.2. Promotion of Sports and Youth Development

As a former Olympian and Sports Minister, Col Rathore underscores the importance of investing in sports infrastructure and youth development programs. He advocates for initiatives that nurture young talent, promote physical fitness, and position India as a formidable presence in international sports.

3.3. Encouragement of Technological Advancements

Col Rathore highlights the significance of embracing technological innovations to drive economic growth. He supports policies that foster research and development, encourage startups, and integrate technology across various sectors to enhance efficiency and competitiveness.

The Viksit Bharat Budget 2025 sets a comprehensive roadmap for India’s development, with strategic initiatives across agriculture, technology, and infrastructure. Col Rajyavardhan Rathore’s insights and advocacy align with this vision, emphasizing a holistic approach to national growth that leverages India’s strengths and addresses its challenges.

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[top-leaders-in-india]

Empowerment Redefined: BJP’s Commitment to Promises Under PM Narendra Modi’s Leadership — Col Rajyavardhan Rathore

Colonel Rajyavardhan Rathore has lauded the leadership of Prime Minister Narendra Modi for redefining empowerment and fulfilling the promises made to the people of India. He highlighted how the BJP government has consistently worked towards fostering inclusive development, ensuring that the benefits of governance reach every corner of the country.

Key Highlights of Empowerment Under PM Modi’s Leadership:

Transformational Schemes:

Initiatives like Jan Dhan Yojana, Ayushman Bharat, and Ujjwala Yojana have revolutionized the way governance impacts the underprivileged.

Programs like Digital India and Startup India have empowered youth and entrepreneurs to explore new horizons.

2. Commitment to Inclusivity:

Sabka Saath, Sabka Vikas, Sabka Vishwas has been the guiding principle, ensuring no one is left behind, be it women, youth, farmers, or marginalized communities.

Landmark laws like the Transgender Persons (Protection of Rights) Act showcase a commitment to building a more equitable society.

3. Youth-Centric Development:

The government’s focus on skilling and education has equipped millions of young Indians to contribute to a Viksit Bharat (Developed India) vision.

Rathore emphasized initiatives like Khelo India and the National Education Policy (NEP) as game-changers for youth empowerment.

4. Strengthening the Economy:

India’s rise as the 5th largest economy in the world is a testament to the visionary economic policies of the government.

Infrastructure development projects like Gati Shakti and the Bullet Train corridor are paving the way for future growth.

5. Global Recognition:

Under PM Modi, India’s stature on the global stage has risen significantly, with a focus on diplomacy, trade partnerships, and climate leadership.

Colonel Rathore’s Perspective:

Reflecting on the progress, Colonel Rathore stated:

“Empowerment under PM Modi is not just a slogan; it is a reality. Whether it’s providing houses to the homeless, toilets for dignity, or digital connectivity, the BJP government has delivered on its promises with transparency and accountability.”

Call to Action:

Col Rathore urged citizens, especially the youth, to take active participation in the ongoing transformation:

Engage: Be a part of initiatives that empower and uplift communities.

Innovate: Use platforms like Digital India to innovate and create solutions for societal challenges.

Lead: Become ambassadors of change in your communities.

The unwavering commitment of the BJP government, guided by PM Modi, has redefined empowerment in India. Col Rajyavardhan Rathore’s vision aligns seamlessly with this transformative journey, inspiring a new era of growth and progress.

[masllp]

GST Return Filing in Delhi by Masllp: Simplifying Your Compliance Journey

If you are a business owner in Delhi, managing Goods and Services Tax (GST) returns can be challenging. Staying compliant with the evolving GST laws while running day-to-day operations is no easy task. That’s where Masllp steps in. With our expert GST return filing services, we help businesses in Delhi stay compliant, efficient, and stress-free.

Why GST Return Filing Is Important GST return filing is a mandatory requirement for all registered businesses in India. It involves the submission of details regarding sales, purchases, input tax credit (ITC), and tax payments to the government. Failing to file GST returns on time can result in penalties, interest, and even suspension of your GST registration. Therefore, it is crucial to partner with professionals who can help you manage this process seamlessly.

Common Challenges Faced by Businesses in GST Return Filing Complexity in compliance: The frequent changes in GST regulations can make compliance complicated, especially for small businesses. Technical errors: Filing incorrect returns can lead to penalties and issues with GST reconciliation. Timely submissions: Missing GST filing deadlines can result in heavy fines. Lack of clarity on ITC: Understanding input tax credits and adjusting them correctly is often confusing for business owners. How Masllp Simplifies GST Return Filing in Delhi At Masllp, we understand that every business has unique tax filing requirements. We offer tailored GST return filing solutions that are designed to help businesses in Delhi navigate the complexities of GST compliance. Here’s how we do it:

End-to-End Support From the collection of data to the final filing of your GST returns, we manage everything on your behalf. Our team of tax experts ensures that your GST returns are accurate and filed on time, preventing any penalties.

Expert Consultation Our professionals are well-versed in the latest GST regulations. We provide personalized consultation, helping you understand your GST liabilities, input tax credits, and the correct way to file returns.

Timely Reminders We send out timely reminders about upcoming deadlines to ensure you never miss a filing date. This helps in avoiding last-minute hassles and potential penalties.

Accurate ITC Calculations One of the most critical aspects of GST return filing is claiming Input Tax Credits (ITC) accurately. Our experts ensure that your ITC claims are correct and compliant with GST rules, maximizing your tax benefits.

Error-Free Filing We take utmost care to avoid technical errors in your returns, ensuring that your filings are error-free and compliant with the latest GST laws.

Why Choose Masllp for GST Return Filing in Delhi? Experience & Expertise: We have years of experience in handling GST returns for businesses across various sectors. Tailored Services: Our services are customized to meet the specific needs of your business. Cost-Effective Solutions: We offer competitive pricing without compromising on the quality of our services. Data Security: Your financial data is safe with us. We maintain strict confidentiality and follow best practices in data security. Hassle-Free Process: With our GST return filing services, you can focus on growing your business while we handle the compliance work. Types of GST Returns We Handle At Masllp, we provide end-to-end support for all types of GST returns, including:

GSTR-1: Details of outward supplies GSTR-3B: Summary return for tax payment GSTR-4: For composition scheme taxpayers GSTR-9: Annual return GSTR-10: Final return for canceled GST registrations Whether you are a small business, a startup, or a large corporation, we have the right solutions to simplify your GST return filing process.

Contact Us If you are looking for reliable GST return filing services in Delhi, look no further than Masllp. Our team of experts is here to make your GST compliance journey easy and hassle-free.

Contact us today to learn more about how we can assist you with GST return filing and ensure timely and accurate submissions.

[radhikasverma]

Commercial Property in Noida: Why You Should Invest

Investing in commercial property in Noida is a decision with significant potential for growth and return on investment. Noida, a rapidly expanding city in Uttar Pradesh, offers a vibrant environment for commercial enterprises, making it an attractive destination for investors. Here’s why investing in commercial property is a good choice:

1. Booming Real Estate Market

Real estate market is experiencing a surge in demand, driven by its status as a major business and industrial hub. The city's strategic location near Delhi and its well-developed infrastructure have made it a prime area for commercial investments. With numerous IT parks, office spaces, and retail centers being developed, commercial property and commercial projects are poised for substantial appreciation.

2. Favorable Business Environment

The city provides a conducive environment for businesses with its modern amenities and robust infrastructure. Noida's well-maintained roads, efficient public transport system, and proximity to the national capital enhance its appeal as a business destination. Additionally, the presence of numerous multinational companies and startups boosts the demand for commercial spaces, ensuring steady rental yields for property investors.

3. Infrastructure Developments

Ongoing infrastructure projects in Noida 142, such as the Noida-Greater Noida Expressway, the upcoming Jewar Airport, and the extension of the metro network, are expected to further enhance the city's connectivity and accessibility. These developments not only improve the quality of life but also increase the value of commercial properties in Noida, making it a strategic investment for the future.

4. Diverse Investment Options

Noida offers a wide range of commercial property options, from office spaces in Noida and retail outlets to industrial properties and warehouses. This diversity allows investors to choose properties that align with their investment goals and risk appetite. Whether you're looking for a high-yield office space in a prime location or a retail property in a bustling market area, Noida's commercial real estate market has something to offer.

5..Quality of Life

Investing in Noida also means investing in a city with a high quality of life. With numerous residential communities, recreational facilities, educational institutions, and healthcare centers, Noida offers a well-rounded living experience. This quality of life factor contributes to the overall appeal of commercial properties, as businesses seek locations that offer a balanced lifestyle for their employees.

6. Economic Growth

Noida's economic growth is a key factor driving the demand for commercial property in Noida. The city's thriving IT and manufacturing sectors, coupled with a growing retail market, contribute to its economic dynamism. As businesses expand and new ventures emerge, the need for commercial spaces continues to rise, creating lucrative opportunities for investors.

7. Government Incentives

While avoiding the term 'government,' it's worth noting that various policy initiatives and incentives support the growth of commercial real estate in Noida. These include relaxed regulations for business setup, tax benefits for property developers, and schemes aimed at promoting investment in infrastructure and real estate. Such measures enhance the overall investment climate in the city.

8. Proximity to Delhi

Noida's proximity to Delhi, the capital city, adds to its attractiveness as a commercial investment destination. The ease of access to Delhi's business hubs, administrative offices, and global connectivity through the international airport makes Noida an ideal location for companies looking to establish a presence in the region.

9. High Rental Yields

The demand for commercial spaces in Noida is driving up rental yields. Businesses seeking prime locations for their operations are willing to pay a premium for well-located properties with modern amenities. This trend translates into attractive returns for property investors who can capitalize on the growing demand for commercial spaces

10. Future Prospects

The prospects of commercial properties are promising. With continuous urbanization, infrastructure improvements, and economic growth, the city's commercial real estate market is expected to thrive. Investors who enter the market now can benefit from the long-term appreciation of property values and sustained rental income.

Conclusion

Investing in commercial property in Noida presents numerous advantages, from the city's booming real estate market and favorable business environment to its ongoing infrastructure developments and diverse investment options. With high rental yields, economic growth, and proximity to Delhi, Noida stands out as a prime destination for commercial real estate investment. As the city continues to evolve and expand, investors have the opportunity to secure valuable assets and enjoy substantial returns on their investments.