#international travel agency in indore

[tripocio]

🌴 Wanderlust beckons! Choose your adventure with our special domestic tour packages. Whether it’s the sun-kissed beaches of Goa or the tranquil beauty of Kashmir, we’ve got you covered. Book your spot and start packing! 🏔️

For Booking/Query: 🌐 Visit us at: https://tripocio.com/ 📧 Email: Info@tripocio.com 📞 Call: +916262277999, +917067409106

[nectarplus]

How Do Surrogacy Costs in Indore Compare to Other Locations?

Comparing surrogacy costs across different locations, including Indore, can be a complex task due to various factors influencing the overall expenses involved. However, I can provide you with a framework to explore this topic in your blog.

Understanding Surrogacy Costs:

Medical Expenses: The primary component of surrogacy costs is medical expenses, which include fertility treatments, screening tests, medications, and prenatal care. These costs can vary significantly based on the clinic's location, reputation, and success rates.

Legal Expenses: Legal fees associated with drafting contracts, parental rights, and potential disputes also contribute to the overall cost. Different jurisdictions may have varying legal requirements and associated expenses.

Surrogate Compensation: Surrogates are typically compensated for their time, effort, and the physical toll of carrying a child. This compensation varies based on the surrogate's location, experience, and individual circumstances.

Agency Fees: Many intended parents choose to work with surrogacy agencies to facilitate the process. These agencies charge fees for matching intended parents with surrogates, providing support throughout the journey, and managing administrative tasks.

Additional Expenses: Other expenses to consider include travel costs, accommodation, insurance, and any unexpected medical complications during the surrogacy process.

Comparing Surrogacy Costs in Indore with Other Locations:

Local Factors: In Indore, surrogacy costs may be influenced by factors such as the availability of medical facilities, the cost of living, and prevailing legal regulations. Researching local clinics and agencies can provide insight into specific cost structures.

Regional Variances: Surrogacy costs can vary significantly between regions within a country due to differences in healthcare systems, legal frameworks, and economic conditions. Comparing costs across different cities or states within the same country can highlight these variances.

International Options: Some intended parents may explore surrogacy options in countries with more favorable legal and regulatory environments or lower costs. However, it's essential to consider the potential challenges and ethical considerations associated with international surrogacy arrangements.

Quality of Care: While cost is an important factor, it's equally crucial to prioritize the quality of care and support provided throughout the surrogacy journey. Researching reviews, success rates, and the reputation of clinics and agencies can help ensure a positive experience.

Financial Planning: Regardless of location, intended parents should carefully consider their financial situation and budget for all anticipated expenses related to surrogacy. Consulting with financial advisors and exploring potential financing options can help manage costs effectively.

By examining these factors and conducting thorough research, intended parents can make informed decisions about surrogacy options that best align with their needs, preferences, and financial resources.

[nxtwaytoursandtravels]

Nxt Way Tours and Travels is a travel agency offering a diverse range of services related to travel and tour bookings. Our expertise includes handling domestic and international ticket reservations, crafting tour packages for both local and global destinations, securing hotel accommodations, and facilitating various types of package bookings. We are dedicated to providing a seamless and enriching travel experience for our clients.

[namohlogistictips]

Understanding the Difference Between Local and Long-Distance Movers

Moving can be a complex and challenging process, and one of the key decisions you'll need to make is choosing the right moving company to assist you. A fundamental distinction you'll encounter when selecting a moving service is whether you need a local or long-distance mover. While both types of movers specialize in relocating your belongings, the scope of their services and the logistics involved can differ significantly. In this article, we'll delve into the differences between local and long-distance movers to help you make an informed decision for your next move.

Local Movers

Service Area: Local Packers and Movers in Jabalpur, as the name suggests, primarily operate within a limited geographic region. These movers typically service moves within a radius of 50 miles or less from their base of operations.

Duration of Service: Local moves are generally shorter in duration compared to long-distance moves. They can often be completed within a single day, making them a more convenient option for short-distance relocations.

Cost Structure: Local Packers and movers Balaghat companies usually charge by the hour, and the total cost will depend on the number of hours it takes to complete your move. Additional services, such as packing, may incur extra charges.

Vehicle Size: Local packers and movers Satna typically use smaller trucks or vans suitable for short-distance transport. These vehicles are well-equipped for navigating local roads and neighborhoods.

Regulations: Local packers and movers Indore are subject to state and local regulations, but they are generally less complex and involve fewer permits and restrictions compared to long-distance moves.

Long-Distance Movers

Service Area: Long-distance movers, on the other hand, are equipped to handle moves across larger distances, often between different states or even countries. They have the infrastructure and expertise to manage the logistics of extended relocations.

Duration of Service: Long-distance moves are more time-consuming and can take several days or even weeks, depending on the distance and the specific services you require.

Cost Structure: The cost of a long-distance move is typically calculated based on the weight of your belongings and the distance they need to travel. This means that the pricing is generally more fixed and easier to estimate in advance.

Vehicle Size: Long-distance movers utilize larger trucks that are designed for transporting goods over extended distances. These vehicles are equipped with features like climate control and advanced security systems to protect your items during long journeys.

Regulations: Long-distance moves are subject to federal regulations from agencies like the Federal Motor Carrier Safety Administration (FMCSA). Movers must obtain proper licenses and adhere to strict safety and insurance standards when conducting interstate or international moves.

Additional Services: Long-distance movers often provide a range of additional services, such as packing and unpacking, storage options, and detailed inventory management. These services are designed to streamline the entire moving process.

How to Choose the Right Mover

When choosing between local and long-distance movers, it's crucial to consider the nature of your move. Factors to take into account include the distance to your new location, the size and weight of your belongings, your budget, and your preferred level of involvement in the moving process.

For local moves, hiring local packers and movers in Jabalpur makes sense due to their expertise in navigating the local area efficiently. However, for long-distance moves, it's essential to select a reputable long-distance moving company with a proven track record in managing extended relocations.

In both cases, thoroughly researching and obtaining quotes from multiple moving companies can help you make an informed decision. Ensure that you choose a licensed and insured moving company that meets your specific needs.

In conclusion, understanding the differences between local and long-distance movers is crucial for a successful move. Your choice will depend on the nature of your relocation, the services you require, and your budget. By selecting the right type of mover, you can enjoy a smooth and stress-free moving experience, whether it's a short hop across town or a long journey to a new state or country.

[engineerbabuinc]

How to Set Up an Offshore Development Center in India?

Are you a technology firm looking forward to expand and focus on the global market with an offshore development center? You definitely must have come across the saying for young and ambitious people that “West is Best”.

It’s very confusing to decide whether or not to go for an offshore development center when majority of the people believe that California is the place for entrepreneurs to begin at. Especially those working in technology, seeking funding and network connections.

But are you for some reason, not able to start in the Silicon Valley?

For any business, growth and scalability are essential. If you’re an entrepreneur in IT, always take this fact as a given that you might have to expand your team in the near future. And expanding your team is a costly yet inevitable venture. The challenges of finding economically feasible options in the Valley are well known in the industry.

An offshore development center in India is the right solution for you! It completely makes sense for you to explore the options for hiring the right group of software developers and experts

Is India a Right Destination for an Offshore Development Center?

Did you know that there are 25 unicorns in India so far,  where 15 have been from 2018 alone! The list includes Zomato, Shopclues, Udaan, Swiggy, OYO, Paytm Mall, Freshworks, Billdesk, Byju’s, Ola Cabs, PolicyBazaar and more.

It’s not a secret that Indian Developers work at a fraction of salary as compared to counterparts from other parts of the world. It’s a pretty huge country with a massive young population that has IT professionals and Computer Science majors in abundance.

More than 50% of the Indian developers are working on a yearly salary of less than $10,000.

We found some really interesting stats about the average annual salary of Developers in India:

2.5 times lesser than that of developers all over the world,

5 times lesser than the average salary in the US,

4 times lesser than the average salary in the UK,     and

3 times lesser than the average salary in Germany.

How important is Customer Satisfaction in the Indian Information Technology (IT) Service Industry?

Imagine getting a cake baked for your Boss’s birthday and the baker messing up with what goes up on it. A bad code is exactly like that. You cannot risk writing a bad code. Web/app development requires immense attention in managing operations and resources. Every customer is very particular about what problems their IT solution/product would be catering to.

A lot of Indian IT firms keep customer satisfaction as their utmost priority. And it shows in the various practices they’ve implemented in their working culture. India hosts a huge pool of talented developers who offer budget-friendly solutions. While looking for somebody from India, time-zones and communication will not become an issue. Along with a tailor-made hiring process, you get 24*7 support and a highly productive team.

How efficient are Indian Developers?

The pricing is not the only deciding factor for hiring developers. Specially for setting up an offshore development center! If you want to hire, your first priority is somebody who knows how to write a good code.

There’s plenty of myths around Indian developers. But the truth is that the Indian job market for junior developer roles is incredibly crowded. They are no doubt paid lesser than the more experienced roles, but it makes them competitive for entry-level jobs.

What it takes is the right people. If you could get the right ten thousand people to move from Silicon Valley to Buffalo, Buffalo would become Silicon Valley.

–Paul Graham (Founder, Y Combinator)

A domain matters a lot when it comes to app/web development. Domain specialty increases the success rate exponentially. Teams holding expertise in developing social media websites will not deliver the same results for developing an e-commerce portal. Just look for the right team to outsource your project, and you will not be disappointed.

Introducing you to the commercial capital of Central India, Indore

The Silicon Valley of Central India 

Everybody across the globe knows that Bangalore is the Silicon Valley of India. But Indore is catching up to the startup culture at its slow, but steady speed. It is still in its development stage. So if you are planning to set up an offshore development center in Indore, this is the best time for it.

When we think of Tier-2 cities as a potential market, Indore is a little different from all the others.

According to market research platform Tracxn, Indore has 461 tech startups! This list includes WittyFeed and ShopKirana.

The latter recently got a funding worth $10 million in Series B Funding. Prior to this round, the company had raised $2.1 Mn. The fresh funds will be used to expand the company’s presence in major Tier 2 cities.

As per India’s first ever ‘Ease of Living‘ index, Indore ranks 8th on the list of Top Ten Livable Cities. Indore also stood on the position 5th in identify and culture, 8th in health, 4th in economy and employment and 7th in power supply categories. (Source)

Good Connectivity, Educational and Employment Opportunities:

Access to a good startup ecosystem, talent, presence of venture capitalists and financial institutions are a must for making a city a Startup Capital. Indore has been witnessing a massive growth in every sector- be it educational or commercial.

The Tier-2 city has great road, rail and air connectivity. City boasts of its International Airport and Super Corridor: a 250 ft wide connecting the airport to the city. This road is a budding place for MNCs and companies like TCS and Infosys. Also, the Delhi-Mumbai Industrial Corridor is nearby. Impetus, Yash Technologies, CSC and Infobeans already have a presence in Indore.

The market is dynamic and almost all inexpensive to international brands already have ventured here, which is a plus point. Force Motors, M&M, Cipla, Lupin, Glenmark, Bridgestone, Volvo, Eicher Motors, and various other brands are operating in Indore.

Also, Indore is the only city in India that has both IIM and IIT. Along with that, there’s SGSITS, NMIMS and various reputed B-schools as well.

There’s literally next to no traffic jams!

Unlike Bangalore, Indore doesn’t face the issue of traffic clogged streets and roads. It will not take you more than an hour to travel from any given point of Indore to the other!

It’s true. Indorians really do love their jobs! 

The inter-city travel is extremely convenient and affordable because of the iBus service. It’s a government-funded service and all the buses are operated by a semi-government agency AICTSL. In addition to that, several local transport startups like Ola Cabs, Uber, Jugnoo, etc also operate in the city.

How to set up an Offshore Development Center in Indore?

Building and managing a tech team is cumbersome. Founders usually end up wasting a lot of time, effort and money. Offshoring a development process simply means, relocating the part of business to some other place. There are several IT companies in India facilitating the same. However, as mentioned earlier, you have to be very careful when choosing one for your project.

EngineerBabu, Indore 

EngineerBabu is an IT services company based in Indore, specialized in building MVP (Minimum Viable Product) for startups and enterprises. With our extremely innovative, dedicated & experienced team of 50+ geeks, we have developed robust & scalable solutions that help our clients to overcome their technical hurdles, and launch amazing products and services.

In the last 5 years, we have worked with more than 700 startups, and many of them have got massive funding (including latest $30MN in Bankopen). We are a profitable startup making a $70,000 monthly recurring revenue!

Two of our clients’ products have been selected in Y-combinator and MIT DeltaV. Also, Harvard Innovation Lab Startups are also a part of our portfolio.

Our clients include reputed brands like Samsung, YourStory, FrankGreen, IBM, BankOpen, Honeywell, Uber and HSBC bank, to name a few. Profitable startups like ZoomCar, Ondoor, Justride, MaalGaadi, Thrillophilia, Tooreest, Jokaamo, etc are some others. We have developed mobile apps for several other sectors like- Grocery Delivery, EduTech, Business Networking, FinTech, Service Providers, etc. Check out our complete portfolio here.

Pros of setting up an Offshore Development Center with EngineerBabu

We are very particular about thorough assessment of all candidates to take skills assessment tests. We do this to ensure that we’re hiring the best. And when you hire our development teams, they will be 100% dedicated to you and the project. It means that you’ll be in control of the team and product, till you get the desired results.

Just decide when to reduce or increase the size of the development team. All we’ll need from you is a 30 days notice. Our team’s schedule will always be in sync with your schedule. And each employee gets assessed for english language fluency for effective communication with you and your team. No more headache about the offshore development team not being aligned to your process and workflow!

We have been featured by YourStory for having a great culture! We don’t have any designated chairs for our employees, and neither does the boss!

A beautiful office where our employees are happy. Without worrying about anything, they just focus on creating the best products for you!

We provide every team member with laptops, fiber internet, and all the necessary tools and equipment to effectively do the job.

Also, in case you need to make a visit personally, we will be taking care of all the accommodation arrangements for you. We will take care of all the legal hassles. And you don’t have to worry about signing long term contracts with us. Everything is going to be mutually discussed and agreed upon!

Events and Initiatives at EngineerBabu:

We are known for running a conventional business in very unconventional ways. We keep hosting and organizing learning Saturdays and more such events for our employees on weekends regularly. They’re even open to outsiders with nominal or no charges.

Here’s the pictures of the most recent event hosted at EngineerBabu: “Startup Weekend Indore“.

So much happens in just 54 hours! It was a great concept that helped budding entrepreneurs to know the realities of the startup world before starting up. There were winners as young as students from Class XII! A lot of innovation and good ideas came out of the that lasted for just 54 hours- One weekend! 

Do you have any prior experience working with offshore development centers based in India? Let us know how was your experience, and what could’ve made the process even smoother for you and your team.

We hope this was worth value to you in helping you decide about the pros and cons of an offshore development center in India. If there’s any further queries, you can drop a comment in the comment section below. You can also simply shoot an email to us at mayank@engineerbabu.com.

Still not convinced about setting up your offshore development center in India? Don’t worry. We’re just one click away!

Talk to Us

[brajeshupadhyay]

Coronavirus cases see record jump with 2,411 infections, 71 deaths in 24 hrs; barber shops, sale of non-essentials by e-retailers allowed in green, orange zones, says MHA

India on Saturday registered a record jump of 2,411 new coronavirus cases and  71 deaths, taking the total number of infections in the country to 37,776 and the toll to 1,223.

Meanwhile, migrant workers stranded in different states since the imposition of the lockdown began their journey homes in special 'shramik trains'.

Case count surges to 37,776, toll reaches 1,223

According to the 5 pm update issued by the Union health ministry, the number of infections in the country jumped to 37,776 while the toll rose to 1,223. Over 10,000 persons have been cured of the disease and the number of active COVID-19 cases in the country stands at 26,535, it said.

Of the total fatalities, the highest have been reported in Maharashtra (485), followed by Gujarat (236), Madhya Pradesh (145) , Rajasthan (62) and Delhi (61).

Maharashtra continues to have the highest number of infections with 11,506 cases reported from the state. Gujarat has reported a total of 4,721 cases, followed by Delhi (3,738), Madhya Pradesh (2,719) and Rajasthan (2,666).

According to the Uttar Pradesh health department, 127 more people tested positive for COVID-19 in the state on Saturday, pushing the number of confirmed cases to 2,455. Forty-three deaths have so far been reported and 656 patients treated and discharged from hospitals. So far, COVID-19 cases have been reported in 64 of the 75 districts in the state, officials said.

In Delhi, 68 more personnel attached to a CRPF battalion tested positive for the novel coronavirus, taking the total number of those afflicted in the battalion to 122. A total of 127 CRPF personnel have so far contracted the disease, including one death and one recovery, ANI quoted the CRPF as saying.

In Maharashtra, as many as 56 persons were discharged from a civic-run hospital in Thane's Mira Bhayander area at the same time, including a three-year-old girl and three septuagenarians.

Meanwhile, 20 visitors to the Gurdwara Langar Sahib in Nanded tested positive for the disease. The gurdwara had been shut on Friday after several pilgrims from Punjab, who returned to their state after visiting this shrine, tested coronavirus positive, officials had said.

On Saturday, Kerala, too, reported two positive cases — one from Wayanad and one from Kannur — taking the total number of cases in the state to 499. With Wayanad reporting a positive case after a month, the district was moved from the green to the orange zone, Chief Minister Pinarayi Vijayan said.

Barber shops, home delivery of non-essential items allowed in green and orange zones, clarifies MHA

A day after issuing fresh guidelines for the lockdown, the Ministry of Home Affairs clarified that barber shops and salons will be allowed to open in green and orange zones during the third phase of the lockdown beginning 4 May, besides sale of non-essential items by e-commerce platforms.

However, barber shops, saloons will continue to be prohibited in red zones and  e-commerce companies are allowed to sell only essential commodities in such areas, said the ministry.

The MHA on Friday, while extending the lockdown for two more weeks till 17 May, had lifted many restrictions in green and orange zones.

Sale of liquor is allowed in non containment areas of green, orange and red zones through stand alone shops and not in malls or shopping complexes, it further clarified.

In liquor shops, customers will have to maintain minimum six feet distance from each other, and also ensure that not more than five persons are present at one time at the shop.

On allowing domestic maids to work in red zones, a home ministry official said the RWAs should take a call  regarding allowing the movement of outsiders. But health protocols have to be maintained by domestic helps as well as employers, and the responsibility lies with the person who employs maids in case of any mishaps.

According to the home ministry, travel by road (inter-state), rail and air and metro are banned across the country during the lockdown.

The home ministry, however, may give permission in special cases depending on the urgency.

According to ANI, the ministry added that in orange zones, inter-district  and intra-district plying of buses remains prohibited. Taxis and cab aggregators are allowed to ply, with a restriction of two passengers apart from the driver in each vehicle only.  Inter-district movement of private cars in such zones is allowed only for permitted activities, with maximum two passengers, besides the driver.

In orange zones, inter-district movement of individuals and vehicles is allowed, only for permitted activities, with maximum two passengers, besides the driver, in four-wheelers: Ministry of Home Affairs. #lockdownextension https://t.co/mjIqgu2kJV

— ANI (@ANI) May 2, 2020

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MMR, Pune 'no-go', says Maharashtra govt

Based on the orders issued by the Centre, states also issued guideline for the third phase on the nationwide lockdown. The Maharashtra government said that in the cities with police commissionerates, a concerned deputy commissioner of police (DCP) will have the power to allow inter-state or inter-district journey. But the movement of people will not be allowed between the areas under Mumbai Metropolitan Region Development Authority and Pune Metropolitan Region Development Authority and other parts of the state during lockdown, it said.

The Karnataka government, too issued revised guidelines which will come into force from 4 May.

Karnataka Government issues revised guidelines on #lockdown measures which will come into effect from May 4 for two weeks in the state. pic.twitter.com/mDdZgytuaX

— ANI (@ANI) May 2, 2020

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Meanwhile, the Delhi government launched an exercise to open liquor shops in the National Capital in accordance with the latest guidelines issued by the home ministry.

The excise department has directed four government-run agencies, which are responsible to sell liquor in the city, to identify such outlets which fulfil all conditions prescribed by the  MHA.

DCGA extends suspension of flights till 17 May

The Directorate General of Civil Aviation (DGCA)  issued a circular to extend the suspension of domestic and international commercial flight operations till 17 May. However, the restriction shall not apply to international all-cargo operations and flights specifically approved by the DGCA.

Migrant workers head back in 'shramik trains'

The first 'Shramik Special' train carrying 1,187 stranded migrant labourers from Jaipur reached the Danapur railway station in Patna on Saturday afternoon.

Another special train train carrying over 300 stranded labourers from Nashik in Maharashtra reached Misrod Station on the outskirts of Bhopal.

"We have started screening these passengers brought here from Nashik in the special train. After that, they will be sent to their respective towns in different buses," a district administration officer told PTI.

This is the first special train which reached Bhopal after the Centre's announcement to run such services to facilitate the stranded labourers and workers.

A special train with 847 migrants also departed for Lucknow from Nashik in around 10 am on Saturday, said the Central Railway. Similar 'Shramik trains' are also set to provide connectivity between states such as Gujarat and Uttra Pradesh, Kerala and Jharkhand, among others.

Gujarat: A special train carrying migrant workers left from Sabarmati in Ahmedabad for Agra in Uttar Pradesh, amid #CoronavirusLockdown. pic.twitter.com/DBjPVWwXqV

— ANI (@ANI) May 2, 2020

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However, the problems faced by migrant workers continued to make it to the headlines with a migrant worker cycling from his workplace in Delhi to home in Bihar dying in UP's Saharanpur.

Dharamveer, along with a few other labourers, had started their journey from Delhi to Khagaria district in Bihar on bicycles on 28 April, PTI quotes police as saying.

"On Friday night, they halted on the Delhi-Lucknow highway in Shahjahanpur. When the condition of Dharamveer deteriorated, the labourers took him to the medical college where he was declared brought dead," said Circle Officer (city) Praveen Kumar.

In another case, 18 people, including 14 migrant labourers, were found to be travelling inside a cement mixer from Maharashtra to Uttar Pradesh. "During the routine check-up at Panth Piplai village, about 35 kilometres from Indore, we stopped a truck laden with a cement-mixer on suspicion. After opening the lid, we found 18 people inside," Traffic Police sub-inspector Amit Kumar Yadav told PTI.

Meanwhile, the Odisha government issued a standard operating procedure (SOP) for sending "guest workers" in the state to their home states by road or rail. The state government appointed nodal officers in charge of workers for different states and said the the prior approval of recipient states was necessary for sending back the stranded workers.

Modi holds review meeting on agricultural reforms, MSMEs

Prime Minister Narendra Modi  deliberated on ways to reform the agriculture sector with emphasis on agriculture marketing, access of farmers to institutional credit and freeing the sector of various restrictions with appropriate backing of laws.

The government has maintained that the country's farm sector is functioning smoothly despite the COVID-19 lockdown and there will not be much impact on its growth in the current fiscal, unlike other sectors.

The pros and cons of bio-technological developments in crops or enhancement of productivity and reduction in input costs was also deliberated, an official statement said.

Concessional credit flow to strengthen agriculture infrastructure, special Kisan Credit Card saturation drive for PM-Kisan beneficiaries and facilitating inter and intra-state trade of agriculture produce to ensure fairest return to farmers were some of the other important areas covered, the statement said.

Developing eNAM or the National Agriculture Market into a "platform of platforms" to enable e-commerce was one of the important topics of discussion on Saturday.

The prime minister also held a meeting to discuss ways to strengthen the MSME sector.

Chaired a meeting on strengthening our MSME sector, which plays a pivotal role in economic development. There were extensive discussions on ways to make this sector more vibrant, attractive and ready to embrace new opportunities. pic.twitter.com/b3o9MMZWZj

— Narendra Modi (@narendramodi) May 2, 2020

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With inputs from agencies

via Blogger https://ift.tt/2KPBa3Q

[homecredit123]

66.6% Indians are open to taking loans reports study | Home Credit India

- Focussing on service and trust, the campaign showcases Home Credit's role in helping customers to be financial literate & to avail safe loans

- Family aspirations and upgrading lifestyle is the primary reason for seeking loans by 46% Indians

- 33% of Indians are likely to purchase Consumer durables such as smartphones, refrigerators, TV etc. on EMIs to be able to upgrade lifestyle

- Loan culture penetrating deep in non-metro cities. Cities like Jaipur, Patna, Lucknow and Nagpur are driving this trend

The unique survey from across 12 cities of India across regions revealed that almost 67% of Indians were not opposed to taking loans especially if it fulfils their family's desire or upgrades their lifestyle. The survey reveals other key aspects of borrowing patterns as well.

This report was commissioned by Home Credit India, a local arm of the international consumer finance provider with operations spanning over Europe and Asia and committed to drive financial inclusion in India. This report has released a fresh new perspective on India's borrowing habits. This study conducted by research agency Absolutdata has been commissioned across 12 cities and 2,571 respondents have been evaluated to provide a near to accurate pattern of savings, spending and borrowing behavior in the country.

It's for the family! The desire to fulfil the needs and the wishes of the family tops the reasons for taking a loan in the future: So while lifestyle is important, respondents have revealed that fulfilling family needs and their wishes constitutes the single topmost reason for people wanting to take a new loan at an average of 46% nationally. Family orientation and needs is highest among people in Patna (61%) followed by Lucknow (58%), Nagpur (56%) and Jaipur (54%).

The second reason why most Indians are willing to take a loan is to Upgrade Their Lifestyle. The survey revealed that 33% of Indians are willing to take a loan for a consumer durable item such as- Mobile Phone, Television, Refrigerator etc. The other vastly popular loan categories are the two wheelers (23.3%) and personal expenses (20.3%). This is followed by is for purchase of Cars (12.5%), House (12%) and Gold (10.5%). When asked about the future, 33% of the respondents are likely to take it for consumer durables while personal loans are the next high interest segment at 28% followed by two wheelers at 22.8. Agriculture loans (0.7%), credit card EMI (1.1%), Travel loans (1.5%) and Medical loans (3.7%) are the lowest ranked categories of loans.

City-Wise Breakup: 33% Indians believe that loans are important to enhance their lifestyle highest being in cities like Mumbai (49%), Jaipur (47%) and Chandigarh (41%). On the converse, lifestyle consideration is the least among people in Ahmedabad (19%) followed by Indore (19%), Bangalore (20%) and Kolkata (20%).

Friends and Family not only feature at the top of the survey for fulfilling needs, they also play the most important role in the decision making process of the loan. 34% Indians rely on friends for advice while taking loans followed by family at 31.8% and colleagues at 25.4%. A financial advisor comes second at 22.4% as the source of advice followed by sales representative of a loan provider at 21.8%; 20.9% people take a self-decision while availing loan, and do not consult anyone.

People in Mumbai and Delhi are the most evolved in terms of consulting a financial advisor before taking at loan at 44.2% and 38.8% respectively; For other cities it is the non-formal sources for advice. The people of Nagpur are the most self-assured when it comes to taking a loan and do not consult anyone, taking their own decision to avail a loan at 50.8%. This is followed by people of Kolkata at 32.3% and Ahmedabad (22.2%) respectively.

While the country is very positive towards loans, a section of the respondents have also not been positively drawn towards the concept of lending and borrowing and therefore have never taken a loan before. The study identifies Key Behavioral Challenges that this section faces. 35% of the respondents say that "Having a loan is a stressful feeling". The second reason for loan aversion is that 32% of respondents 'believe in saving and spending'. The fear of not being able to repay is the third reason why people do not take loans, said 32% respondents. The burden of documentation and hassle at 31% is another reason why people do not prefer loans; so, they usually end up borrowing from friends and family, said 28% of the respondents. In fact, among the least important reasons for not taking a loan is that the employer provides with advance salary, if needed (20%), the process is rigorous and time consuming (25%) and the fear of repercussion in case of a default (26%). Another reason cited for not taking a loan is the lack of awareness of different types of loans (27%).

However, what stands out as a median reason for not taking a loan before, is that 28% of the respondents indicated the take the loans from their friends and family. The study also shows that a staggering 57.3% of respondents have never availed a loan before which means that cash is still king, Three-fourth of the people are most comfortable in using cash. This is followed by debit cards which are being used by 80% people, half of them using them at least once a week or more. Only 26% people use credit cards and 40% use net-banking, pointing that digitization of banking services is the road ahead.

Home Credit has been working aggressively in India and has been able to establish itself as a leading financial products and services provider. Gathering intel with knowledge partners to have a deeper understanding of the market trends, consumer behavior patterns is a continuous process at Home Credit across each market. This enables a focused, targeted customer centric proposition across all its product offerings. Almost 50% of Home Credit's customers are the First Time Borrower (FTB) who have no borrowing and repayment history with credit rating agencies. The company has strong underwriting capabilities, risk assessment, new market entry and customer focused approach have ensured that the company has made the right disbursements of loans in a responsible manner as well as has been able to advise and help customers plan their finances better. All this has helped to build Home Credit as a lender of choice and help the company retain its differentiated position in the market. The company is committed to driving credit penetration and broadening financial inclusion through responsible lending. This, the company aims to do through offering financial solutions that are simple, transparent and accessible to all, backed by trained financial advisers who are able to drive understanding of credit, assess the borrower and help them to ascertain the right borrowing.

Supporting quote: Marko Carevic, Chief Marketing & Customer Experience Officer, Home Credit India: "We've made concerted efforts to broaden the ambit of financial inclusion across the world and India is a key market for us by virtue of the potential it offers. After China and Russia, India is now showing signs of a new resurgence and we have seen the evolution of the customers since our entry in 2012. The survey is yet another attempt to understand our customers so that we can customize our product offering to the need. We continue to build on the collective market intelligence coupled with our proprietary methods and technologies to evaluate all borrowers. As a company propagating responsible borrowing, we also effect responsible lending. We are committed to enhancing the quality of life through our financial products and services for our customers."

Source:  66.6% Indians are open to taking loans reports study : Home Credit India

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Affiliate marketing

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Flats in Jaipur: Luxury Sector Grows in India

Therefore, companies like Preferred Hotels & Resorts have made India a key country for its development, aware of the great growth potential that still has to be developed.

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"The figures show an uninterrupted increase in the market share of US travelers to India; Of the total number of Americans traveling abroad, 18 percent made it to the country, which represents the highest percentage in history, "the statement said.

Luxury Sector Grows in India, Invests in Real Estate for Them

According to the Ministry of Tourism, these figures are due to the fact that there is better air connectivity, greater financing to the sector, continuity in promotion strategies and a permanent international presence

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Greatly Benefitted By The Online Services Provided By Jet Airways

Last November, I was summoned to attend the wedding ceremony of a known person in New Delhi, as part of my job. I am used to travel long distances for fulfilling my job assignments. So I quickly consented to take up this assignment, as I wanted to visit Delhi for a long time. I have got a shopping spree and I learnt from my friends that there are a few many shopping centers in New Delhi, where every object of daily requirements and luxury items are available at reasonable prices. Therefore, I booked online my air ticket and hotel accommodation, with the references of my friends staying there.

My accommodation was booked in Hotel Sunstar Grand, a 3 Star hotel of New Delhi that was only around 15 Km from the Indira Gandhi International Airport and was in close proximity to my assigned wedding venue, as well as the major marketing centers in Connaught Place. I was quite pleased to see my well furnished air-conditioned room, where I had TV, telephone, luggage rack, mini bar and safe for my use. The room service, laundry service and the 24-hour front desk service were also prompt for the guests. I loved the Indian, Chinese and Continental dishes served in the in-site restaurant here.

Digital facilities provided by Jet Airways for its passengers

Indore to Delhi flight | Image Resource : contactnumbers.in

I booked ticket for my Indore to Delhi flight on the Economy Class of Jet Airways, as I found its schedule to be the most convenient one for me and also for the easy availability of its ticket on my required date. But I was truly benefitted from the online systems provided by this airline, for several pre-flight activities.

I could easily check the flight schedules of this airline on my required date, from the websites of some well known online travel agencies.

I could also check the availability of the air tickets on the flights on my desired date, as I found that numbers of Jet Airways flights are operated daily between New Delhi and Indore, my hometown.

The booking of the flight ticket was absolutely hassle-free, as I could do it online, from the website of Jet Airways.

The flight status also could be easily checked online, by entering the PNR number of my e-ticket and the date of departure, even from my mobile.

The online check-in option is another great digital facility provided by this airline, for the convenience of its passengers.

Overwhelmed to find all desired articles in busy shopping centers of Delhi

Janpath Market | Image Resource : style.time.com

After the completion of my assigned job, I went to Janpath Market of Connaught Place, to fulfill my shopping spree. It is an ancient market of this city and highly popular among the foreigners too, which was visible from the number of foreigners shopping there happily. The prices of all the items were really cheap, which attracted me to buy lots of ethnic garments and several gift items, from the shops lined on both sides of the pavement here.

I also visited Tibetan Market of Connaught Place, in Paharganj. As per the name, there are numerous shops selling all kinds of Tibetan artifacts, along with various Indian items too. I bought a small statue of Buddha and a few souvenir items from these shops and tasted some delicious Tibetan cuisines.

If I need to visit Delhi again in future, I am sure to buy my air tickets from Jet Airways only, without any hesitation.

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