CRED Cash+ Makes Borrowing Against Mutual Funds Seamless: Kunal Shah

CRED Cash+ Makes Borrowing Against Mutual Funds Seamless: Kunal Shah

Fintech company CRED has introduced CRED Cash+, a new offering that allows users to borrow against their mutual funds in collaboration with financial institutions, starting at an interest rate of 8.99%. Along with this, CRED has also launched a set of credit management tools aimed at helping members improve their credit scores, manage multiple credit cards, and access secured credit without the need to liquidate investments.

CRED has ventured into the world of secured lending with the launch of CRED Cash+, a product designed to make borrowing against mutual funds straightforward and hassle-free.

In an interview with CNBC-TV18, Founder Kunal Shah emphasized that CRED Cash+ offers an easy borrowing experience, allowing users to access funds quickly—without paperwork or any human interaction.

"CRED Cash+ lets our members borrow against their mutual funds with minimal hassle—no documents, no human calls—just a seamless process, and they can secure a very attractive interest rate, starting at 8.99%," he said.

The move into secured lending by the fintech company aims to reduce the practice of prematurely liquidating mutual funds. Shah explained that many users break their mutual funds or fixed deposits for short-term needs like vacations or weddings, which undermines the power of compounding.

"Mutual funds grow when you keep compounding them, not when you break them for short-term expenses. You lose that momentum entirely," Shah said. "If you need funds for a short-term period—say six months to two years—this product is ideal."

Shah also noted that secured lending fits CRED’s long-term goals, offering a lower-cost alternative to personal loans, which usually have higher interest rates (15–16%). CRED Cash+ not only provides a more affordable option but also helps improve users' credit scores.

While the launch coincides with a broader slowdown in the unsecured lending market, Shah emphasized that this decision was part of a long-term strategy, not a reaction to market changes.

"Our products are typically in development for several months or even quarters before we launch them. The timing worked well because both our partners and customers are shifting toward secured lending," he said.

Shah pointed out that in more mature financial markets, around 20-30% of mutual funds are leveraged, while in India, this figure remains below 1%. CRED aims to change that by making secured lending more accessible and mainstream.

Excerpts from the Interview:

Q: You've entered the secured lending space now. What motivated this move, and why now?

Shah: It’s always been on our roadmap, but we wanted to create an experience that feels seamless. CRED Cash+ enables our members to borrow against their mutual funds in a frictionless way—without paperwork, human calls, or delays—just within minutes, at an attractive rate of 8.99%.

This was once considered an ultra-HNI product, primarily for businesspeople borrowing against their investments. However, we noticed many users were liquidating mutual funds or fixed deposits for temporary needs like vacations or weddings. This goes against the power of compounding.

Mutual funds thrive when they are allowed to compound. Breaking them for short-term expenses disrupts that momentum. But if you only need money for a short period—say, six months or two years—this product is ideal. Initially, we thought this was only relevant to business people, but now we see it benefits all consumers. Instead of taking personal loans with high interest rates, they can secure a much better deal here, with no foreclosure risks, and improve their credit score in the process.

Q: The unsecured lending segment is slowing down. Did this influence your decision?

Shah: It just happened to coincide with the market trend. We’ve been developing this product for months, possibly quarters, before launching it. The timing is right because both our partners and consumers are moving toward secured lending. Creating a seamless experience for valuing demat accounts, mutual funds, offering limits, and securing competitive rates takes effort, and none of our partners had the infrastructure for this type of frictionless experience.

We want to lead this shift because the market and consumers are already leaning in this direction. We also noticed that while our consumer segment holds a significant amount in mutual funds, less than 1% of this is leveraged. In more developed markets, 20-30% of mutual funds are leveraged. We believe that should change in India, and we are here to make that happen.

This model benefits consumers' credit scores, balances secured and unsecured lending for banks, and aligns with our long-term vision. Ultimately, it’s all about offering the best solution for our members—and this product certainly delivers that.

Q: Will FLDG (First Loss Default Guarantee) be involved with your partners, or how will you offer this service?

Shah: We generally don’t engage in FLDG in most of our businesses. The reason is that we focus on high-affluent customers and low interest rates. FLDG isn’t a business model we would use for low-interest-rate products.

Secured lending, by nature, carries minimal risk because the loan is backed by collateral. Therefore, FLDG isn’t a prominent feature in secured lending businesses globally.

What we do is facilitate our banking and NBFC partners to offer these loans through our platform, and we earn a small fee for enabling this cross-sell opportunity. There will be no FLDG in this product category because of its inherent structure.

Q: CRED is known for focusing on long-term growth rather than short-term profits. With products like this, how do you see additional revenue streams? Will we see more secured offerings from CRED in the future?

Shah: It's not true that we aren’t focused on revenue and profit, but we prioritize long-term growth. We’re building a business that will last decades, and our decisions reflect that. If something benefits our consumers but might be less profitable in the short term, we’re fine with that. Over the long run, earning our members' trust will generate much more value.

Our focus is on sustainable revenue and long-term partnerships with lenders. We are likely the largest partner for most of them because we prioritize building strong, lasting relationships. Building a long-term financial services business might not seem thrilling, but it's the right way to do it.

Women’s Day | Navigating Challenges as a Woman in the Indian Judiciary

Women’s Day | Navigating Challenges as a Woman in the Indian Judiciary

"A woman cannot be herself in a society dominated by men, where laws are shaped by men and a judicial system views feminine conduct through a masculine lens." – Henrik Ibsen

In a recent statement, Justice B.V. Nagarathna observed, "It’s not enough to focus solely on the increasing number of female judicial officers; what truly matters is ensuring they work in an environment that supports them with sensitivity and guidance."

The Indian judiciary has witnessed a notable increase in the participation of women, especially within the subordinate judiciary. This growth is celebrated as a step toward diversity, and while it certainly brings new perspectives to decision-making, the effective participation of women remains far from being fully realized.

The notion of formal equality in numbers often doesn’t equate to genuine equality in practice, as women’s representation remains disproportionately low in higher courts. While the 2023 'State of the Judiciary' report indicates that women now make up 36.3% of the district judiciary, the numbers drop significantly in higher courts. Women constitute only 13.4% of judges in High Courts and a mere 9.3% in the Supreme Court. Notably, out of India’s 25 High Courts, only one is headed by a woman, and the Supreme Court Collegium has very few female judges.

The question remains: why are women judges so underrepresented in senior judicial positions?

A key issue is the lack of a level playing field. As former Chief Justice of India D.Y. Chandrachud once pointed out, women have never been a priority in institutional design. As they strive to break into these exclusive spaces, they often face institutional indifference or, worse, hostility.

This systemic bias leads to high attrition rates and stagnation for women, particularly in entry- and mid-level roles. In fact, India will only have its first female Chief Justice, Justice B.V. Nagarathna, in 2027 — and only for 36 days. In contrast, male Chief Justices typically hold the position for an average of 18 months.

Despite the increase in female representation, the judiciary is still primarily male-centric and often fails to address gender-specific issues, from the time a woman judge enters the system to her retirement. Instances of gender-based challenges continue to arise, whether it's a lack of accessible infrastructure, hostile work environments, or stigmatization. On this International Women’s Day, we explore three such challenges.

1. Stigmatization During Probation

Recently, Justices Nagarathna and NK Singh reinstated two female judicial officers in Madhya Pradesh whose services had been terminated during probation. The reasons cited included low disposal rates and pending complaints. However, one of the judges faced unjust termination despite explaining the personal difficulties she had endured, including marriage, illness, and a miscarriage.

The court recognized that the difficulties faced by the female officer were not adequately considered, highlighting the need for a more nuanced approach to evaluating judicial performance — one that accounts for gender-specific challenges. Justice Nagarathna aptly questioned whether such criteria would be applied to male judges if they experienced similar circumstances, such as menstruation or miscarriage.

2. Lack of Accessible Infrastructure

Women judges often face challenges due to inadequate physical infrastructure. Many court complexes lack private restrooms for female judges, forcing them to either share public facilities or return home during the day. The report shows that while 80% of district court complexes have separate ladies' toilets, these facilities are often in poor condition, with broken doors or unreliable water supply. Moreover, only 6.7% of these facilities offer sanitary napkin vending machines.

Gender-specific amenities, like childcare facilities, are also scarce. As of 2023, only 13.1% of district court complexes have a dedicated creche, and in states like Uttar Pradesh, Andhra Pradesh, and Uttarakhand, no such facilities exist.

In one troubling example, a female judicial officer from Gujarat had to seek permission from a male judge to use his restroom due to the lack of accessible facilities.

3. (In)Voluntary Resignations and Hostile Transfers

A particularly stark example of gender discrimination occurred when a female Additional District and Sessions Judge from Madhya Pradesh, who had filed sexual harassment allegations against a senior judge, was transferred to a naxal-affected region. The judge ultimately resigned, citing the harassment and her mid-term transfer, which was particularly difficult as it coincided with her daughter's board exams. Despite the allegations being dismissed by an inquiry committee, the judge's resignation was not voluntary but was a direct result of the harassment and lack of institutional support.

When women judges file complaints, they often face victimization and retaliation, as seen in the case of an Allahabad High Court judicial officer who faced delays and humiliation when seeking a fair hearing for her sexual harassment complaint.

Conclusion

The experiences of female judicial officers in India reveal that true equality goes beyond mere representation. It requires creating an environment where women can thrive without facing stigma or discrimination. If the judiciary is to uphold justice, it must first ensure that justice is delivered within its own ranks by fostering inclusivity, sensitivity, and meaningful opportunities for all. True equality in the judiciary requires more than numerical parity; it demands substantive equality.

Pritam Defends Blackpink's Jennie Amid Plagiarism Controversy: "Minor Similarities Are Common"

Pritam Defends Blackpink's Jennie Amid Plagiarism Controversy: "Minor Similarities Are Common"

Music composer Pritam has come forward to defend Blackpink's Jennie amid allegations of plagiarism, following claims that her recent song teaser resembled Alia Bhatt's theme song from Rocky Aur Rani Kii Prem Kahaani. The controversy ignited after fans pointed out the similarities between Jennie's new teaser, Like Jennie, and the theme used for Alia Bhatt’s character, Rani, in Karan Johar’s film.

In response to the backlash, Pritam, who composed music for Rocky Aur Rani Kii Prem Kahaani, dismissed the plagiarism accusations, emphasizing that minor similarities in music are normal. He explained that slight resemblances in melody, phrasing, or rhymes often occur, especially within the same genre, and should not be considered as copying.

Pritam took to social media to defend Jennie, stating, “Rani and Jennie are names that rhyme, so a similar flow in one phrase doesn’t make it a copy. In music, minor similarities are bound to happen. Instead of focusing on tiny details, it’s important to see the bigger picture.” He further noted that in today’s interconnected world, artists often share platforms and influences, making intentional plagiarism highly unlikely. "Creating a song takes immense effort, and if an artist truly resonates with an idea, they can simply collaborate," he added.

He concluded by urging fans to support artists and celebrate their work rather than tearing them down. "Music is about creativity, unique artistic perspectives, influences, and sometimes pure coincidence—especially when artists exist on the same creative wavelength," Pritam said. He also wished Jennie the best for her upcoming album.

While Jennie’s team has yet to respond to the plagiarism claims, many fans have observed the similarities in the music, noting the shared thumping beats and rhythmic tone in both tracks.

54% of Households in Delhi-NCR Report Flu Symptoms; Here's How to Stay Safe

54% of Households in Delhi-NCR Report Flu Symptoms; Here's How to Stay Safe

Swine Flu: While the illness used to last five to seven days, it now typically persists for about ten days.
In the past 24 hours, Delhi has seen a significant spike in cases of swine flu (H5N1), with reports stating that 54% of households in the Delhi-NCR region have at least one person showing symptoms such as fever, sore throat, cough, headache, stomach issues, joint pain, and respiratory problems. These symptoms, which closely resemble COVID-19, are putting pressure on healthcare facilities and heightening public concern. Hospitals are reporting an influx of patients with high fever, persistent cough, sore throat, and body aches. Health experts are urging the public to take necessary precautions.

The worsening air quality is a major contributing factor to respiratory problems, and with seasonal infections peaking, officials are monitoring the situation closely for any sudden spikes. Experts and residents alike are concerned about the recent surge in swine flu (H1N1) cases in the capital.

Experts note that this outbreak is the worst in years. Previously, swine flu symptoms would last around five to seven days, but now it typically lasts about ten days. Additionally, more severe symptoms such as wheezing, chest congestion, and shortness of breath are now more common, which differs from the typical fever, cough, and cold seen in previous seasons.

Swine flu (H1N1) is a respiratory illness caused by the H1N1 virus. While it initially spread from pigs to humans, it now spreads from person to person, much like the seasonal flu. Symptoms include fever, cough, sore throat, body aches, fatigue, chills, and sometimes vomiting or diarrhea. In severe cases, it can lead to pneumonia or respiratory distress.

How to Stay Safe in High-Risk Areas

If you live in or are visiting a high-risk area, here are some precautions to follow:

• Get vaccinated: The best defense against H1N1 is the annual flu shot, which includes protection against the virus.
• Wear a mask: In crowded or poorly ventilated spaces, wearing a high-quality mask (like N95 or surgical masks) can help reduce the risk of inhaling infected droplets.
• Wash your hands frequently: Use soap and water or an alcohol-based hand sanitizer, especially after touching public surfaces.
• Avoid touching your face: The virus spreads when you touch contaminated surfaces and then touch your eyes, nose, or mouth.
• Maintain social distance: Stay away from people showing flu-like symptoms to reduce your risk of infection.
• Stay hydrated: Drinking plenty of fluids helps keep your respiratory system healthy.
• Practice good cough etiquette: Cover your mouth and nose with a tissue or elbow when sneezing or coughing, and dispose of used tissues properly.
• Disinfect surfaces: Regularly clean high-touch areas like doorknobs, phones, and keyboards with disinfectant.

If you experience flu-like symptoms, seek medical advice immediately, especially if you have underlying conditions such as diabetes, asthma, or heart disease.

Disclaimer: This content offers general advice and should not replace professional medical guidance. Always consult a healthcare specialist or your own doctor for personalized advice. NDTV is not responsible for the information provided.

"I Am A Zionist": Justin Trudeau's Support for Israel Stirs Controversy

"I Am A Zionist": Justin Trudeau's Support for Israel Stirs Controversy

Canadian Prime Minister Justin Trudeau's recent declaration that he is a Zionist and supports the rights of Jewish people has ignited controversy. Speaking at the National Forum on Combatting Anti-Semitism, Trudeau expressed that no one in Canada should fear identifying as a Zionist.

"The growing indifference or even rationalization of rising anti-Semitism is not normal. The term 'Zionist' is increasingly used as a pejorative, despite it simply representing a belief in the right of Jewish people, like all others, to determine their future," he stated.

The Israeli Embassy in Canada praised Trudeau's statement, especially given the "dark hours for Jews in Canada and around the world." The Embassy highlighted a troubling 670% increase in antisemitic incidents in Canada since October 7, according to Israel's Diaspora Ministry. They emphasized that words of solidarity must be accompanied by concrete actions to fight hate and educate against antisemitism.

In contrast, UN Special Rapporteur for Human Rights, Francesca Albanese, criticized Zionism, claiming it infringes on Palestinians' right to self-determination. She asserted that while antisemitism must be opposed, it should not come at the cost of ignoring the rights of others. Albanese pointed out Canada's legal obligations to support Palestinian self-determination, warning of potential legal consequences under international law.

Trudeau’s remarks sparked heated debate on social media, with some users accusing him of endorsing apartheid and Israel's controversial policies. Others expressed disgust at his statement, calling it a negative legacy for his leadership.

Trudeau, who announced his resignation earlier this year amidst internal party challenges and poor polling, is preparing to step down as leader of the Liberal Party. His successor is expected to be Mark Carney, former governor of both the Bank of Canada and the Bank of England.

Video of Ranveer Allahbadia Being Pushed and Pulled by Assam Police Goes Viral

Video of Ranveer Allahbadia Being Pushed and Pulled by Assam Police Goes Viral

A video of YouTuber Ranveer Allahbadia being escorted by Assam police has gone viral. The footage, taken on Friday, shows Allahbadia being pushed and pulled by officers as they escort him up a flight of stairs during his questioning by the Guwahati police. This questioning is part of the ongoing investigation into Allahbadia's remarks on Samay Raina’s YouTube show, India’s Got Latent.

Allahbadia, who arrived in Guwahati the night before, underwent more than four hours of questioning by the Crime Branch. He was accompanied by his lawyer during the interrogation.

Joint Commissioner Ankur Jain, who oversaw the police team, confirmed that Allahbadia fully cooperated and answered all the questions. Jain further stated that Allahbadia has pledged to continue cooperating with the investigation and will return to Guwahati if necessary.

The investigation follows Allahbadia's controversial comments on India’s Got Latent, which led to public outrage. Several FIRs have been filed against him across the country, mainly for his remarks about parents and sex. On February 10, Guwahati police registered a case under various legal provisions, including the IT Act and the Cinematograph Act.

Despite the Supreme Court granting Allahbadia interim protection from arrest, the court criticized his comments as "vulgar," calling them indicative of a "dirty mind" that brings shame to society.

The case remains under investigation, with other individuals involved, including comedian Samay Raina, and YouTubers Ashish Chanchlani, Jaspreet Singh, and Apoorva Makhija. Additionally, the owner of the venue where the show was filmed has also been named in the FIR.

Dupahiya Review: Gajraj Rao and Renuka Shahane Shine in This Clean, Family-Friendly Comedy

Dupahiya Review: Gajraj Rao and Renuka Shahane Shine in This Clean, Family-Friendly Comedy

"Dupahiya," starring Gajraj Rao and Renuka Shahane, offers a charming rural comedy with a focus on clean, family-oriented entertainment. Set in the fictional village of Dhadakpur, the show uses a stolen motorcycle, the "dupahiya," as its central plot point, setting off a series of quirky events. The characters, with their Bihari-Mumbai accents, embark on a light-hearted journey filled with humor and life lessons. Much like "Panchayat," the show leans into a cheerful tone that leaves the viewer smiling and entertained.

The premise—a crime-free village in Bihar—might feel far-fetched, but the strong ensemble cast makes the experience enjoyable. The story revolves around the efforts of school teacher Banwari Jha (Gajraj Rao) and his team as they try to find a match for his city-loving daughter, Roshni (Shivani Raghuvanshi). Their search for a groom leads them to a stolen motorcycle, which has captured the interest of Kuber (Avinash Dwivedi), a potential groom from Mumbai.

Over nine episodes, "Dupahiya" introduces the quirky residents of Dhadakpur, including the ambitious Pushplata Yadav (Renuka Shahane), who wants to become the head of the village panchayat, and Mithilesh Khuswaha (Yashpal Sharma), the sharp yet sleepy policeman. As the plot unfolds, we see the characters navigating various comedic situations, including attempts to prevent the motorcycle theft from being reported as a crime.

The show also features a range of subplots and supporting characters, adding to the quirkiness, such as a wannabe reporter trying to make a name for themselves, and a young girl dealing with the pressures of colorism. Even though the show occasionally touches on serious issues like dowry, women’s empowerment, and colorism, it manages to maintain a light, comedic tone.

While "Dupahiya" addresses these social issues, it does so in a way that doesn't weigh down the fun, making it a delightful watch for those seeking a light-hearted yet socially relevant show. It’s essentially an anti-"Mirzapur" with no violence, cursing, or dark themes. Despite a few slower moments, the show provides plenty of laughs and memorable lines, including gems like "yeh Bihar ka Belgium hai."

Overall, "Dupahiya" is a feel-good, family-friendly comedy that delivers exactly what it promises: entertainment without the grit, just clean fun and relatable social commentary.

Gold Price Update for March 8, 2025: Gold Prices Rise in Mumbai and Kolkata, Fall in Delhi and Bengaluru

Gold Price Update for March 8, 2025: Gold Prices Rise in Mumbai and Kolkata, Fall in Delhi and Bengaluru

Gold prices in India saw a modest increase today, rising by ₹180 per gram in most cities. The price for 8 grams of 24-carat gold also rose by ₹552 compared to yesterday.

Here's a breakdown of the gold prices in major cities:

Gold Prices in India Today

• 22 Carat Gold: ₹8,280 per gram (up by ₹180)
• 24 Carat Gold: ₹8,694 per gram (up by ₹189)
• 8 Grams of 22 Carat Gold: ₹66,240 (up by ₹1,440)
• 8 Grams of 24 Carat Gold: ₹69,552 (up by ₹1,512)

Gold Rate in Major Cities

• Mumbai:

  • 22 Carat Gold: ₹8,280 per gram (up by ₹180), ₹66,240 for 8 grams (up by ₹1,440)
  • 24 Carat Gold: ₹8,694 per gram (up by ₹189), ₹69,552 for 8 grams (up by ₹1,512)

• Chennai:

  • 22 Carat Gold: ₹8,030 per gram (up by ₹10), ₹64,240 for 8 grams (up by ₹80)
  • 24 Carat Gold: ₹8,432 per gram (up by ₹11), ₹67,456 for 8 grams (up by ₹88)

• Delhi:

  • 22 Carat Gold: ₹8,100 per gram (down by ₹20), ₹64,800 for 8 grams (down by ₹160)
  • 24 Carat Gold: ₹8,505 per gram (down by ₹21), ₹68,040 for 8 grams (down by ₹168)

• Hyderabad:

  • 22 Carat Gold: ₹8,030 per gram (up by ₹10), ₹64,240 for 8 grams (up by ₹80)
  • 24 Carat Gold: ₹8,432 per gram (up by ₹11), ₹67,456 for 8 grams (up by ₹88)

• Bengaluru:

  • 22 Carat Gold: ₹8,115 per gram (down by ₹20), ₹64,920 for 8 grams (down by ₹160)
  • 24 Carat Gold: ₹8,521 per gram (down by ₹21), ₹68,168 for 8 grams (down by ₹168)

• Kolkata:

• 22 Carat Gold: ₹8,180 per gram (down by ₹20), ₹65,440 for 8 grams (down by ₹160)
• 24 Carat Gold: ₹8,589 per gram (up by ₹21), ₹68,712 for 8 grams (up by ₹168)

Manamey Now Streaming on OTT: Where to Watch This Delayed Sharwanand Film Online

Manamey Now Streaming on OTT: Where to Watch This Delayed Sharwanand Film Online

After a long wait, Manamey, the 2024 romantic drama starring Sharwanand and Krithi Shetty, is finally available for streaming on OTT, six months after its theatrical release.

Originally released on June 7, 2024, Manamey had an average box office run. Now, the film has made its way to Amazon Prime Video, after a delay caused by financial disagreements between the makers and the streaming platform. The film, which was initially scheduled for a July 2024 release, is now available for viewing starting March 7, 2025.

This marks one of the longest waits for a Telugu film's OTT release in recent times. A similar delay was seen with Akhil’s Agent, which will premiere on Sony LIV on March 14, 2025.

Directed by Sriram Adittya, Manamey features Sharwanand in a captivating role that earned him significant praise. Krithi Shetty plays the female lead, complementing Sharwanand's performance with her screen presence. The film, shot entirely in London, is known for its beautiful visuals and soulful music. However, despite its appealing production values, the film’s conventional storyline led to a modest box office performance.

In Manamey, Sharwanand portrays a charming young man who unexpectedly takes on the responsibility of caring for his friend's son, with the help of Krithi Shetty's character. Hesham Abdul Wahab’s music adds to the film’s emotional depth, enhancing its appeal.

Produced by T.G. Vishwa Prasad under People Media Factory, Manamey had a large budget but did not perform well enough at the box office to break even. Now that it is streaming on Prime Video, it remains to be seen how it fares in the digital space.

With Thandel, Naga Chaitanya’s blockbuster, now streaming on Netflix, Manamey will face stiff competition on the OTT platform. It will be interesting to see how both films perform in the coming weeks.

Murmur Review: Tamil Cinema’s First ‘Found Footage Horror’ Film Offers a Gripping Theatrical Experience

Murmur Review: Tamil Cinema’s First ‘Found Footage Horror’ Film Offers a Gripping Theatrical Experience

Film Details:

• Banner: SPK Pictures Private Limited, Stand Alone Pictures International
• Direction: Hemnath Narayanan
• Production: Prabakaran
• Music: Kewyn Frederick

Review:

Written and directed by Hemnath Narayanan, Murmur is produced by Prabakaran under SPK Pictures and Stand Alone Pictures International. This film marks Tamil cinema’s first foray into the ‘found footage horror’ genre, a popular style explored in Hollywood and Bollywood but never before attempted in Tamil.

The story follows four YouTube content creators—Melvin, Rishi, Ankita, and Jennifer—who embark on an adventure to document the spooky legends surrounding Katoor, a mysterious village. According to local folklore, the village is haunted by the spirit of a woman who allegedly demands human sacrifices, while another legend tells of seven virgins who bathe in the river under a full moon. Determined to uncover the truth, the group sets off with their cameras, eager to capture whatever they find.

Initially guided by a local villager, the group’s plans take an unexpected turn when he is bitten by a snake and must be hospitalized. His daughter, Kantha, takes over as their guide, and the group continues their investigation. What begins as a lighthearted project soon takes a sinister turn. Despite warnings from the villagers, the team persists, and as night falls, they begin to experience eerie supernatural occurrences—strange noises, ghostly footsteps, and inexplicable movements in the dark. As they attempt to contact spirits through an Ouija board, chaos ensues. The question remains: Are these merely myths, or is there a dark truth behind them?

While horror films are no strangers to Tamil cinema, Murmur stands out as the first attempt at the found footage genre. This bold move deserves recognition, and director Hemnath Narayanan should be commended for bringing this unique experience to Tamil audiences.

Visually, the film immerses viewers in its haunting, claustrophobic atmosphere. Rather than relying on artificially lit nighttime shots, Murmur was filmed deep in the forest at night, adding authenticity to the eerie visuals. Cinematographer Jason captures the team’s journey through thick woods and towering trees during the day, while the nighttime scenes, illuminated only by torches and firelight, heighten the unsettling tension.

In keeping with the realism of found footage films, background music is kept to a minimum, and sound effects are raw and natural. Composer Kevin Frederick expertly uses the sounds of the environment—such as the crunch of footsteps on dry twigs—to amplify the terror, making the experience feel remarkably real. The film's lighting and color grading further enhance the eerie mood, offering an ideal viewing experience for darkened theaters.

However, due to the shaky cam cinematography, some viewers may experience dizziness or nausea, and the film carries a disclaimer at the beginning to warn of this potential side effect. Those prone to motion sickness, particularly in moving vehicles, may find certain sequences unsettling.

Despite its few minor flaws, Murmur successfully delivers a spine-chilling experience, establishing itself as Tamil cinema's first-ever found footage horror film. It's an immersive, nerve-wracking ride into the unknown that’s definitely worth watching in theaters.

Lalit Modi Seeks to Renounce Indian Passport, Holds Vanuatu Citizenship

Lalit Modi Seeks to Renounce Indian Passport, Holds Vanuatu Citizenship

Lalit Modi, the former IPL chairman and a key figure in its formation, has expressed his intention to give up his Indian passport. He has also obtained citizenship of Vanuatu, a Pacific island nation.

Randhir Jaiswal, a spokesperson for the Ministry of External Affairs, confirmed on Friday: “Lalit Modi has submitted an application to surrender his passport at the High Commission of India in London. The application will be reviewed in accordance with existing rules and procedures.”

He added, "We have also been informed that Modi has acquired citizenship in Vanuatu. However, we will continue to pursue the legal case against him as necessary."

Modi has been under investigation by various agencies in India for alleged forex violations and a controversial ₹425-crore TV rights deal for the 2009 IPL with World Sports Group.

In 2010, after attending a single interrogation session with Income Tax and Enforcement Directorate (ED) officials regarding forex violations, Modi fled to the UK. He had been the architect behind the launch of the IPL in 2008, which blended cricket with glamour and quickly became a global sports phenomenon. During the 2009 season, when the IPL had to be relocated to South Africa due to the Indian elections, Modi proved the value of the league internationally.

However, his career took a dramatic turn following the IPL 2010 final, when he was suspended from the Board of Control for Cricket in India (BCCI) for alleged misconduct, indiscipline, and financial irregularities involving bids for two new IPL franchises—Pune and Kochi. In 2013, after an investigation, the BCCI imposed a lifetime ban on him.

Since then, Modi has resided in London and has given multiple interviews denying the charges leveled against him by the BCCI. In 2015, a special court in Mumbai issued a non-bailable arrest warrant for Modi in connection with an alleged money-laundering case filed by the ED.

Vanuatu, which is made up of more than 80 islands in the southern Pacific Ocean and has a population of about 300,000, gained independence from France and Britain in 1980. The country offers citizenship through its Citizenship by Investment program, which requires a non-refundable donation or investment. For a single applicant, the cost is USD 155,000 (about ₹1.3 crore), making it one of the most affordable routes to acquiring citizenship.

Netflix & Karan Johar's 'Nadaaniyan' Movie Review: Ibrahim Ali Khan Struggles to Save a Dull, Lackluster Love Story; Khushi Kapoor Disappoints

Netflix & Karan Johar's 'Nadaaniyan' Movie Review: Ibrahim Ali Khan Struggles to Save a Dull, Lackluster Love Story; Khushi Kapoor Disappoints

Ibrahim Ali Khan, Khushi Kapoor, Mahima Chaudhry, Dia Mirza, and Suniel Shetty deliver a formulaic performance in a film that ultimately fails to impress. The outdated storyline is confusing and lacks any real sense of depth.

Review of Netflix's 'Nadaaniyan'

Directed by Shauna Gautam
Cast: Ibrahim Ali Khan, Khushi Kapoor, Mahima Chaudhry, Dia Mirza, Suniel Shetty

The premise of Netflix’s Nadaaniyan — featuring rich, glamorous young adults in elite schools falling in love — is one we've seen countless times before. Unfortunately, the story offers nothing new or engaging. This immature dramedy tries to depict the world of high schoolers but comes off as juvenile and embarrassingly shallow. There’s no depth or complexity, making it a struggle to stay interested.

Today's high school students aren’t the naive, frivolous characters portrayed here. They face real-world challenges and understand the importance of independence, unlike the characters in Nadaaniyan, who are obsessed with superficial desires like studying abroad. It feels like a cheap imitation of Karan Johar’s Student of the Year, but with none of the charm or depth. Nadaaniyan objectifies its young leads just like Student of the Year, but without the same flair or appeal. Today's generation is much sharper and more grounded — they don’t have time for the kind of mindless drama this movie offers.

The film follows Pia (Khushi Kapoor), a South Delhi girl determined to create her perfect love story, and Arjun (Ibrahim Ali Khan), an overachieving, middle-class boy from Noida. Their worlds collide when Pia recruits Arjun to pretend to be her boyfriend for a fake romance. However, as they spend time together, real feelings develop. The concept is as shallow as the characters themselves. Pia and Arjun live in a fantasy world, completely disconnected from reality.

There’s also a troubling attempt to normalize infidelity through Suniel Shetty's character, Pia’s father, and a backward portrayal of Pia’s mother (Mahima Chaudhry) desiring a son. These outdated ideas have no place in today’s world, making the film even harder to digest.

The cliché of a rich girl falling for a middle-class boy is predictable and dull. You can guess the outcome without even watching the entire film. It’s so formulaic that it’s almost insulting to the audience’s intelligence.

Launching Ibrahim Ali Khan with a project like this, especially under Shauna Gautam’s direction, was a huge gamble. While Ibrahim gives his best effort, the film’s flaws overshadow his performance. He clearly has potential and looks just like his father, Saif Ali Khan, but the lack of a strong director to guide him is evident. A good director could have turned this into a more engaging project. Unfortunately, Nadaaniyan lacks a compelling story, which is crucial for success on digital platforms.

We now live in an age where audiences expect high-quality storytelling, and Nadaaniyan fails miserably in this regard. The film feels outdated, as if it belongs to another era. It's a love story that lacks passion, depth, or any real substance. It’s lazy filmmaking at its finest, and it’s hard to understand how Netflix agreed to feature it on their platform, especially when they have a roster of far superior films and series.

As a fan of cinema on streaming platforms, Nadaaniyan was a disappointing and embarrassing experience for today’s evolved viewers. The film’s foolish, uninspired narrative feels out of touch with the world we live in, particularly in the highly competitive environment that today’s youth face.

It’s also clear that while being a star kid can open doors, talent is still essential. Unfortunately, Khushi Kapoor falls short with her expressionless performance and frozen smile. Acting is a craft that requires hard work, and it’s evident she hasn’t invested the effort needed. As for Ibrahim, he still has the potential to shine under the right guidance, but Nadaaniyan doesn’t showcase that. First love may burn bright, but this film quickly fades away.

TS SSC 2025 10th Hall Ticket Available: Download Admit Cards from the Official Website at bse.telangana.gov.in

TS SSC 2025 10th Hall Ticket Available: Download Admit Cards from the Official Website at bse.telangana.gov.in

The Directorate of Government Examinations, Telangana, has released the TS SSC 2025 hall tickets for Class 10 students on March 7. Those registered for the exam can download their admit cards from the official website, bse.telangana.gov.in. The TS SSC exams will begin on March 21, starting with the first language papers, and conclude on April 4 with the OSSC Main Language Paper II exams, which include Sanskrit and Arabic.

Students can download their hall tickets by entering credentials such as their date of birth, roll number, and captcha code.

Steps to Download TS SSC 2025 Hall Tickets
Follow these steps to access the TS SSC Hall Tickets 2025:

1. Visit the official website: bse.telangana.gov.in
2. On the homepage, click on the “Download Admit Cards” section.
3. A login page will appear on the screen.
4. Enter your login details and submit.
5. Your TS Class 10 hall ticket will appear on the screen.

If students notice any errors, they should promptly inform the board to ensure corrections before the exams. Modifications can be requested through the online application correction link. A prescribed fee will be charged, and changes will need approval from the Divisional Board. Once approved, students can download the updated admit card using the “correction admit card” link.

The Telangana State Board will announce the SSC exam results a few weeks after the exams conclude. Last year, results were declared on April 30. Once the results are published, candidates can access their scorecards by entering their admit card ID number, school ID, date of birth, and captcha code on the official website.

To pass the TS SSC 2025 exams, students must score at least 35% in each subject. Those who score below 35% will be considered failed in the Telangana board Class 10 result.

Exam Statistics
Last year, 5,05,813 students appeared for the TS SSC exams, with 4,91,862 passing. The exams were conducted from March 18 to April 2, with a total of 5,08,385 students registered, including 2,57,952 boys and 2,50,433 girls. Notably, 3,927 schools achieved a 100% pass rate, while six schools recorded a 0% pass rate.

The best-performing district in the 2024 exams was Nirmal, with a pass rate of 99.05%. Of the 8,908 students who appeared for the exam in Nirmal, 8,823 students passed.

In the 2025 exams, the first language exam saw 4,79,634 students pass, achieving a 97.12% pass rate. The second language exam had 4,92,665 students pass, with a pass percentage of 99.87%.

For Telangana SSC Board results 2024, Telangana State Residential School achieved the highest passing percentage of 98.71%

Karnataka Budget 2025-26: Industry Leaders Praise Well-Balanced Strategies Supporting Industrial Growth and Social Welfare

 

Karnataka Budget 2025-26: Industry Leaders Praise Well-Balanced Strategies Supporting Industrial Growth and Social Welfare

Industry leaders and entrepreneurs have welcomed the Karnataka Budget 2025-26, presented by Chief Minister Siddaramaiah at the Vidhana Soudha in Bengaluru on March 7, 2025. The comprehensive budget is being hailed for its inclusive approach that addresses the needs of all sectors.

Fostering a Business-Friendly Environment
“With a strong emphasis on industrial development, welfare programs, infrastructure, education, agriculture, tourism, and healthcare, the State Government has successfully addressed various concerns and outlined well-crafted strategies that benefit Karnataka’s industries. The expansion of the Bengaluru metro network, especially with enhanced connectivity to Devanahalli, will significantly reduce traffic congestion.

Moreover, the ‘Brand Bengaluru – Green Bengaluru’ initiative, aimed at rejuvenating lakes and speeding up land acquisition for airports, will improve both connectivity and ecology throughout the State in an impactful way.

The introduction of the Karnataka Employer’s Compliance Decriminalization Bill and the Karnataka Employer’s Compliance Digitisation Bill is a game-changer. These will make Karnataka the first state in India to decriminalize employer violations and fully digitize compliance processes, creating a more business-friendly environment. This budget reflects a sincere effort to ensure that all citizens benefit from various government initiatives.”

– Vineet Verma, President, Bangalore Chamber of Industry and Commerce

A Pragmatic Growth Blueprint
The budget presented by the CM for fiscal year 2025-26 demonstrates a concerted effort to balance infrastructure development, industrial growth, and social welfare.

Key initiatives aimed at boosting the industrial and trade sectors include tax incentives for hybrid vehicles and electric vehicles (EVs), aligning with global sustainability trends. These measures are expected to attract investments from automotive manufacturers and related industries, further enhancing the state’s industrial landscape.

The budget also focuses on equitable regional development, with targeted allocations for various districts. While it aims to drive growth, maintaining fiscal discipline remains crucial to prevent long-term financial imbalances.

– M.G. Balakrishna, President, FKCCI

Digitizing Real Estate for Transparency and Efficiency
The Karnataka Budget 2025-26 highlights the government’s commitment to improving real estate transparency and efficiency through digitization. As CREDAI, we have advocated for the accelerated implementation of e-Khata within BBMP limits to streamline registration processes and meet capital gains tax requirements by March 31, 2025.

We are pleased to see a special ₹7,000 crore grant allocated to BBMP for various developmental projects, including the enhancement of the e-Khata system. We are optimistic that initiatives such as digital e-stamping and GIS-based property valuation and registration will be thoroughly tested before launch, ensuring a smooth transition. These measures will enhance transparency, reduce fraud, and guarantee fair market pricing, thereby boosting investor confidence and supporting sustainable urban development, especially in Bengaluru.

– Amar Mysore, President, CREDAI Bengaluru

Focus on Inclusive Growth
The Karnataka Budget 2025-26 marks an important step toward greater transparency and efficiency in real estate transactions. The government’s commitment to reinforcing e-Khata regulations will help reduce property fraud and prevent undervaluation, ensuring fair and transparent taxation.

Further, the introduction of digital e-stamping and GIS technology for property valuation will minimize misuse and correct discrepancies in guideline values. The proposed new land revenue act and online building plan approval system via the Unified Land Management System (ULMS) will simplify processes and bring greater clarity to property transactions. Additionally, the government’s focus on housing for the homeless highlights its commitment to inclusive growth.

– Murali Malayappan, Chairman & MD, Shriram Properties Ltd

Commendable Housing Initiatives
The ₹40,000 crore allocation for the Bengaluru tunnel corridor project, backed by a ₹19,000 crore government guarantee, is a transformative step towards easing city congestion and improving connectivity. Similarly, the ₹27,000 crore Bengaluru Business Corridor, which will develop a 73 km road network, is a critical investment that will enhance accessibility and create new real estate opportunities.

The government’s focus on housing and urban development is praiseworthy, with initiatives such as the Karnataka Housing Board’s plan to develop 16,140 plots in Bengaluru’s Suryanagar Phase-IV and the ₹1 lakh deposit waiver benefiting 12,153 homebuyers under the CM’s 1 Lakh Multi-storey Housing Scheme. Additionally, the interest subvention scheme under the Affordable Housing Program (AHP) will further improve affordability, making homeownership more accessible.

The ₹3,000 crore investment in 300 km of new roads, the ₹8,916 crore double-decker flyover project, and the ₹7,000 crore annual grant for Bengaluru’s infrastructure improvements will unlock new growth corridors and improve connectivity.

Happy International Women's Day 2025: 45+ Quotes, Wishes, Messages, and WhatsApp Status for Teachers

Happy International Women's Day 2025: 45+ Quotes, Wishes, Messages, and WhatsApp Status for Teachers

As we celebrate International Women's Day today, let's make it even more special by sharing heartfelt Women's Day wishes, messages, quotes, images, and WhatsApp statuses with the teachers who have had a lasting impact on our lives.

Celebrating Women’s Day: A Tribute to Teachers
International Women’s Day, observed on March 8, honors the significant contributions of women across all sectors, including society, the economy, culture, and politics. Various global events take place today to celebrate these achievements and advocate for gender equality.

The origins of this day trace back to February 28, 1909, when the first National Women’s Day was observed in the United States after a declaration by the Socialist Party of America. In 1910, Clara Zetkin proposed the idea of an annual Women’s Day at the International Conference for Working Women in Copenhagen, which led to the first official International Women’s Day in 1911, celebrated across multiple nations.

International Women’s Day is not only a time to reflect on women’s achievements but also serves as a reminder of the continued fight for gender equality and women’s rights.

The Role of Teachers in Shaping Futures
Teachers are pillars of knowledge, igniting curiosity and inspiring young minds. Through their wisdom and compassion, they nurture students and shape their futures with unwavering dedication. Beyond the classroom, they leave a lasting legacy of inspiration, hope, and empowerment, shaping the leaders of tomorrow.

With International Women's Day approaching, let’s take a moment to share heartfelt wishes, messages, quotes, and WhatsApp statuses with the incredible teachers who shape our lives.

Inspiring Quotes for Your Favourite Teacher on International Women’s Day

• "Teachers plant the seeds of knowledge that last a lifetime." - Unknown
• "One child, one teacher, one book, one pen can change the world." - Malala Yousafzai
• "The best teachers are those who show you where to look but don't tell you what to see." - Alexandra K. Trenfor
• "Teaching is not a profession; it’s a passion." - Unknown
• "The influence of a good teacher can never be erased." - Unknown
• "The mediocre teacher tells. The good teacher explains. The superior teacher demonstrates. The great teacher inspires." - William Arthur Ward
• "A good teacher can inspire hope, ignite the imagination, and instill a love of learning." - Brad Henry
• "Education is the key to unlocking the world, a passport to freedom." - Oprah Winfrey
• "Teaching is the profession that teaches all the other professions." - Unknown
• "The art of teaching is the art of assisting discovery." - Mark Van Doren

Heartfelt Women's Day Wishes for Your Favourite Teacher

• Happy International Women's Day to a phenomenal teacher! Your dedication and wisdom continue to inspire us all.
• Wishing my favourite teacher a day filled with recognition and appreciation. You make learning a joy—Happy Women’s Day!
• To an extraordinary mentor—Happy International Women’s Day! Thank you for being a guiding light and role model.
• Happy Women’s Day to an inspiring teacher! Your passion for education brightens the lives of countless students.
• Cheers to a wonderful teacher on International Women's Day! Your impact reaches far beyond the classroom.
• Warmest wishes to a fantastic teacher! Your encouragement and support mean the world to us—Happy Women’s Day!
• Happy International Women's Day to a remarkable educator! Your resilience and strength inspire us every day.
• To an amazing teacher—Happy Women’s Day! Thank you for shaping young minds with wisdom and kindness.
• Wishing a very Happy Women’s Day to a teacher who truly makes a difference! Your dedication does not go unnoticed.
• Happy International Women’s Day to our exceptional teacher! Your influence extends far beyond textbooks and lessons.
• Happy International Women's Day to an extraordinary teacher who empowers minds, shapes futures, and inspires greatness every day.
• Wishing my incredible teacher a day filled with recognition for the invaluable impact you have on your students' lives. Happy Women’s Day!
• To a remarkable woman who does more than just teach—she nurtures, guides, and uplifts every student. Happy International Women’s Day!
• On this special day, I honor an inspiring teacher whose dedication, passion, and wisdom light up the classroom and spark a love for learning.
• Here’s to a teacher whose influence extends far beyond the classroom—touching hearts and minds with kindness, knowledge, and unwavering support. Happy International Women’s Day!

Happy International Women's Day WhatsApp Status for Teachers

•  Celebrating our amazing teacher this International Women's Day! Your guidance and inspiration mean the world to us.
•  To our remarkable teacher: Happy International Women's Day! Your wisdom lights our way and shapes our future.
•  Wishing a Happy Women's Day to the incredible woman who educates with passion and empowers with knowledge.
•  Honouring our teacher on International Women's Day for her dedication to moulding young minds and uplifting spirits.
•  Happy Women's Day to our brilliant teacher! Your resilience and kindness continue to inspire us every single day.
•  Cheers to our teacher, a beacon of wisdom and compassion, on this special International Women's Day!
•  Sending heartfelt wishes to our exceptional teacher today. Your influence on our lives is immeasurable.
•  Happy International Women's Day to the teacher who inspires, challenges, and supports us to become our best selves.
•  On this special day, we celebrate our teacher’s leadership, wisdom, and endless encouragement. Happy Women's Day!
• To our extraordinary teacher: Happy International Women's Day! Thank you for shaping the future with passion and dedication.

Special Happy International Women's Day Messages for Teachers

• To our wonderful teacher, Happy International Women's Day! Your wisdom enlightens us, and your dedication empowers us every day.
• Wishing our incredible teacher a fantastic International Women's Day! Your passion for education and advocacy for equality continue to inspire us all.
• Happy Women's Day to our exceptional teacher! Your unwavering commitment to teaching and nurturing young minds is truly admirable.
• On this special occasion, we celebrate our extraordinary teacher. Your resilience, strength, and dedication make a lasting impact. Happy International Women's Day!
• To the inspiring woman who leads us with wisdom and kindness, Happy Women's Day! Thank you, teacher, for your constant guidance and encouragement.
• Happy International Women's Day to our remarkable teacher! Your belief in our potential and dedication to our growth are truly commendable.
• Wishing a joyful Women’s Day to our devoted teacher. Your relentless efforts to educate, empower, and uplift deserve immense appreciation.
• To our inspiring mentor and role model, Happy International Women’s Day! Thank you for shaping young minds and guiding future generations.
• Happy Women's Day to our phenomenal teacher! Your passion, perseverance, and commitment inspire us to strive for greatness.
• On this International Women’s Day, we honor our exceptional teacher. Your wisdom and strength serve as a beacon of inspiration to us all.

Influencer Trisha Paytas Announces She's Expecting Baby #3 with Husband Moses Hacmon, Reveals Due Date

Influencer Trisha Paytas Announces She's Expecting Baby #3 with Husband Moses Hacmon, Reveals Due Date

Trisha Paytas is expanding her family! The popular YouTuber and influencer, along with her husband Moses Hacmon, shared the exciting news that they are expecting their third child together. "MAMMA MIA! HERE WE GO AGAIN!" Trisha exclaimed.

The announcement came during the latest episode of her Just Trish podcast, followed by a post on Instagram. The caption for the YouTube version of her podcast read, "Oops, she did it again! Trisha is PREGNANT with baby number three! Trish and Moses finally reveal all the details after keeping their pregnancy a secret for months." Their third baby is due in July, and Trisha revealed that she'll announce the baby’s gender live at an upcoming show.

This joyful news comes less than a year after the couple welcomed their second child. Last June, they celebrated the birth of their daughter Elvis. They also share a two-year-old daughter, Malibu Barbie, born in September 2022. Trisha has previously shared the names she envisioned for her children, saying last year on her podcast that she always "manifested" the names Malibu and Elvis. At that time, she joked about what would happen if she got pregnant again, saying, "If we have a third, we literally have no names for it, so that can’t happen." We’re eager to see what name she chooses for baby number three!

Trisha and Moses met while filming The Bach3lorette, a YouTube version of the popular Bachelor Nation TV series, and began dating in 2020. They got engaged on Christmas Day that year and were married in Las Vegas in December 2021. Last year, to mark their third anniversary, Trisha shared a heartfelt post about Moses, writing in part, “I always envisioned being married with kids and having to dial back everything I do. But with Moses, it’s the opposite. He’s enhanced my life; made it better, made it easier. He’s the first person who didn’t try to dim my sparkle but put the spotlight on to allow me to shine more.