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Homegrown Paytm Payments Bank Limited (PPBL) on Wednesday said it supports and welcomes the proposed implementation of the <keyword id="3880260" type="General" weightage="50" keywordseo="national-payments-council-of-india" source="Orion">National Payments Council of India</keyword>'s (<keyword id="193629" type="General" weightage="50" keywordseo="npci" source="Orion">NPCI</keyword>) <keyword id="6358921" type="General" weightage="100" keywordseo="upi" source="Orion">UPI</keyword> market cap. With this, the UPI ecosystem in India will see further growth in a democratised manner, encouraging wider participation and ending the market concentration risk, the company said in a statement. PPBL, which owns <keyword id="6076084" type="General" weightage="50" keywordseo="paytm-upi" source="Orion">Paytm UPI</keyword>, is an NPCI-certified PSP (Payment Service Provider) and Issuer Bank for UPI transactions, and not a Third Party Application Provider (TPAP) and won't come under the purview of NPCI's market cap. The Bank is an Issuer and <keyword id="15597664" type="General" weightage="50" keywordseo="psp-bank" source="Orion">PSP Bank</keyword> in itself along with being an acquirer of UPI transactions on its own platform and serves the customer end-to-end in a transaction. The Bank continues to lead UPI payments as the largest beneficiary bank and a leading remitter bank. According to the latest report by NPCI, as a beneficiary bank, PPBL has registered over 1,614 million transactions and as a remitter bank, it registered more than 362 million transactions in October 2022. "We believe the proposed implementation of UPI market capping will be hugely beneficial for the UPI ecosystem. This move by the NPCI will bolster the growth of digital payments and democratize it for the citizens, ending market concentration risk. With this, UPI will become even more accessible and enable further digital adoption," a Paytm Payments Bank spokesperson told IANS. The bank is now enabling users to make transactions across all UPI payment apps with just the mobile number, and even if it is not registered with Paytm. With this, users can receive and send money instantly to any mobile number with a registered UPI ID across platforms using the Paytm app. This further deepens Unified Payments Interface (UPI) interoperability and roots for the adoption of mobile payments. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/bengaluru-based-tech-firms-raised-record-7-5-bn-in-2022-report/articleshow/95711720.cms">Bengaluru-based tech firms raised record $7.5 bn in 2022: Report</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/finance/news/mukesh-ambanis-jio-financial-services-deep-pockets-and-wide-reach-to-challenge-the-likes-of-paytm-bajaj-finance/articleshow/95714425.cms">Mukesh Ambani’s Jio Financial Services’ deep pockets and wide reach to challenge the likes of Paytm, Bajaj Finance</a>

Paytm Payments Bank supports UPI market cap, maintains leadership as PSP & Issuer Bank

The payment industry in India has evolved dramatically through the past couple of years. Driving this change has been the interface between technologies, policy and user driven product development. Disruption has been at the core of this change. India’s growth story in <a href="http://www.businessinsider.in/searchresult.cms?query=payments+technology+&amp;sortorder=effectivedate">payments technology </a>has been further catalyzed by disruptive offerings pioneered to engage an ever evolving consumer demographic. 
 
Set to be the youngest country in the world by 2020, India is home to a majority of consumers who are willing to take the leap into <a href="http://www.businessinsider.in/searchresult.cms?query=digital+payments.+&amp;sortorder=effectivedate">digital payments. </a>This churn has led to a massive transformation from traditional currency to non-cash instruments paving way to digital payments. A key accelerator of this transformation is the penetration of smartphones. 
 
The opportunity for India really lies in the fact that it is the second largest active smartphone users market in the world, despite low penetration rates. The adoption of smartphones is estimated to grow to 520 million by 20201. An added impetus is the rapidly expanding 3G and <a href="http://www.businessinsider.in/searchresult.cms?query=4G+internet+network+&amp;sortorder=effectivedate">4G internet network </a>in to the hinterland. 
 
The government has initiated the process of making digitization an intrinsic part of the India growth story. Under the ‘<a href="http://www.businessinsider.in/searchresult.cms?query=Digital+India%E2%80%99+initiative&amp;sortorder=effectivedate">Digital India’ initiative</a>, 90 percent of mobile devices in the country are expected to be internet-enabled by 2017. The change has started to reflect in urban India. Digital transactions are said to have shown a growth of 50 percent Y-o-Y, followed by ATM transactions growing at 15 percent and branch transactions at 7 percent growth. While urban India naturally adapts itself to newer technologies, development of the internet infrastructure will drive rural India to follow a similar pattern. 
 
Traditionally, an empty pocket with no cash has been associated with a lack of financial security. However, technology continues to challenge tradition. Economies across the world have gradually realized that cash comes at a cost of printing, managing and moving it, besides being a key driver of a financial system that is unaccounted for. Alarmingly, India’s cash-to-gross domestic product proportion at 12 percent is higher than many other economies. There is an urgent need to acknowledge that the primary competition for any payment technology in India comes from cash and not from other peers and contemporaries. 
 There has not been a better time before in the nation for payments, especially with the regulatory bodies cognizant of the need to improve the payment system network in India. RBI’s breakthrough Vision-2018 document focuses on responsive regulation, robust infrastructure, effective supervision and customer-centricity, thus acting as an enabler for the payment transformation. The Unified Payment Interface (<keyword id="6358921" type="COMPANY" weightage="20" keywordseo="UPI">UPI</keyword>) has gone live and so have the incentives for digital transactions, tax deductions for cash transactions exceeding 2 lakh rupees and real time payment transfer using <keyword id="155319" type="COMPANY" weightage="20" keywordseo="Aadhar">Aadhar</keyword> enabled payment systems. 
 A key characteristic of the payment industry has been its ability to constantly innovate. The increasing adoption of technologies like Near Field Communication (<keyword id="6409450" type="ORGANIZATION" weightage="20" keywordseo="NFC">NFC</keyword>) enabled smartphones that allow real-time, one-touch payments, cloud-based PoS, peer-to-peer transfers, virtual currencies like bitcoins enabling higher transaction speed and efficiency are creating a shift in the mindscape of consumers, proving a lucrative model for all players in the system. 
 
What next? 
 
In a bid to enhance customer acquisition, wallet companies offer high-volume discounts and offers, thereby escalating customer expectations. Although the ecosystem is currently perceived to be in favour of customers, the discounting and cash–back led model might not be as sustainable as it is envisioned to be. A sustainable value proposition that any payments technology provider can offer the consumer should essentially be in the form of covering risk. 
 
There is an urgent need for financial technologies to back their core competencies and enable a secure and risk-free environment to create a loyal customer base. Most payment interfaces currently are responsible for processing payments. The next level of evolution will be driven by ensuring the safety of buyers and sellers through various systems that protect their interests beyond just the transaction. 
 
Enhancing user experience 
 
Risk mitigation mechanisms in India currently also rely on the consumer to ensure the safety of transactions. With a considerable number of purchases being made on the mobile phone, customer authentication techniques require them to switch between screens. Most instances of cart abandonment take place at this cumbersome stage of switching between two screens. This gap is currently the greatest opportunity for payment companies. To leverage it, companies would do well to redefine their operational models that stand for strong risk management capabilities in the backend. And in the process, ensure security of the customer’s money while facilitating a flawless checkout experience. 
 
In a nutshell 
 
India is slowly transcending from using technology to living it. The demographic dividend that India offers is immense – what makes this phase a winning spree is the happy coincidence of the inflexion points of the payment industry and the country’s young populace. While it may be a matter of time before digital payments landscape is more democratized than it is, the rate at which consumers are adopting the concept is encouraging. It is now over to us to make the game better than it was yesterday. 
 
(This article is authored by Anupam Pahuja, Managing Director and Country Manager, PayPal India)

Digital payments: The inflexion point and the curve ahead

The <keyword id="20449324" type="General" weightage="20" keywordseo="Finance-Bill" source="keywords">Finance Bill</keyword> 2024 was passed by <keyword id="19895394" type="General" weightage="20" keywordseo="Lok-Sabha" source="keywords" meta.keywordsubtype="org" meta.entityname="Lok Sabha" meta.hostid="261" meta.entityid="Lok Sabha">Lok Sabha</keyword> on Wednesday evening, with a few amendments moved by the government. Replying to the debate, Finance Minister Nirmala Sitharman said the approach of the government has been to bring greater simplification of <keyword id="19987671" type="General" weightage="20" keywordseo="tax" source="keywords">tax</keyword> laws and procedures and enable growth and employment in the country. She responded to points made by members. The Finance Minister clarified that in real estate, the roll over provisions have not been withdrawn and are applicable. She said if the capital gain in a property transaction is invested in buying another one or two properties up to a maximum value of Rs 10 crore, no capital gain tax is required to be paid on such profits. <keyword id="20619608" type="General" weightage="20" keywordseo="capital-gains" source="keywords">Capital gains</keyword> can also still be invested in bonds which are notified under Section 54 of the Income Tax Act up to a maximum of Rs 50 lakh annually and save on taxes. To give relief on budget proposals, Sitharaman also moved an amendment in the Finance Bill on the changes in the capital gains tax on <keyword id="20412285" type="General" weightage="20" keywordseo="property-transactions" source="keywords">property transactions</keyword>. The amendment implies that taxpayers can avail either a lower tax of 12.5% without indexation or a rate of 20% with indexation, if the property is acquired prior to July 23, 2024, the day union budget was presented in the Lok Sabha. Sitharaman clarified that taxpayers can compute taxes under both provisions and choose to pay tax under the scheme where lower tax is applied. Effectively, July 23, 2024, is now set as the cut-off date for the calculation of the capital gains versus the earlier cut-off of 2001. Sitharaman said she has proposed these amendments as some members have raised hypothetical calculation to prove that under new provisions taxpayers will have to pay higher taxes. The new tax proposals on capital gains tax was brought in to bring in parity among different asset classes like equities, mutual funds and real estate. In the Finance Bill introduced on July 23, the Finance Minister had proposed a flat long term capital gains tax of 12.5% with no <keyword id="943856" type="General" weightage="100" keywordseo="indexation-benefit" source="Orion">indexation benefit</keyword>s, prior to it property transactions used to be taxed at 20% with indexation benefit. The minister also clarified that the grandfathering proposal will be allowed only for individual and Hindu Undivided Family (HUF) taxpayers and not for companies and Non Resident Individuals. They have to pay flat 12.5% LTCG tax without indexation. The proposed amendment will apply not only on real estate transactions, but also on unlisted equity transactions, which are done before July 23, 2024. All such transactions will be taxed at 10% long term capital gains instead of FY24-25 budget provision of 12.5% tax. With the opposition members demanding removal of <keyword id="19951327" type="General" weightage="20" keywordseo="GST" source="keywords">GST</keyword> on health insurance, Sitharaman said tax was there on medical insurance even before GST was introduced. "There was already a Service Tax on medical insurance, before the GST was introduced. This is not a new tax, it was already there in all the states. Those protesting here, did they discuss regarding the removal of this tax in their states? Did they write to the Finance Ministers of their respective states about it and asked them to raise it in the GST Council where states have 2/3rd part? No, but they are protesting here. This is their double standards, this is their drama," she said. "Wrongful protests have happened recently, and comments have been passed on the basis of a news report which suggested that the 'Centre has pocketed Rs. 24,529 crores of health insurance premiums alone'. This is incorrect and highly misleading. The GST rate of 18% on health insurance comprises of 9% CGST and 9% SGST. Thus, of the total collections of Rs 24,529 crores from health insurance in the last 3 years, Half of it, Rs. 12,264 crores, went straight to the states as SGST. It doesn't even come to the Centre," she added. The minister said that apart from this, roughly 41%of the Centre's share of GST collection on health insurance is devolved back to the states again, as part of Tax Devolution as per the Finance Commission's formula. Sitharaman said the new income tax regime is simpler and offers lower income tax rates for individuals. "It gives flexibility to the taxpayer to see where he wants to put his money in the absence of exemptions which is available in the old income tax regime. The old regime has not been dissolved and is still an alternative to the new tax regime. It still offers benefits of various deductions such as interest on home loan, etc. Individuals without business income can choose between regimes once and can revert back too. Hence, a choice has been provided to assesse," she said. For the previous Assessment Year 2023-24 till December 31, 2023, about 3.8% of taxpayers opted for the new tax regime, which equates to 30.93 lakh individuals, from a total of 7.98 crore ITRs filed in the categories of ITR-1 to ITR-4, she said. "However, for the Assessment Year 2024-25 until July 31, 2024, there was a dramatic increase in adoption of the new regime, with approximately 72.8% of taxpayers choosing the new tax regime. This represents about 5.25 crore individuals, out of a total of 7.22 crore ITRs filed in the same category." Sitharaman said this shows a substantial shift in taxpayer preference towards the new tax regime, over the span of just one year. "Taxpayers opting for the new regime does not mean savings and investments are not happening in the economy by the middle-class. Due to growth in fintech, better awareness, and ease of investment due to UPI, e-KYC, progressive regulations, investments in mutual funds have increased tremendously. On an average, 17.88 lakh new folios have been added every month in the last 5 years since June 2019. The number of unique mutual fund investors has grown from under 1 crore in 2014 to about 4 crore today," she added. The Finance (No.2) Bill, 2024 was passed after amendments moved by opposition were negatived. Sitharaman said the vision of Prime Minister Narendra Modi has been to establish a simple, efficient and fair technology-driven taxation regime in the country. "So, simplification and ease of compliance for the taxpayer has been the primary objective. In the last 10 years, and this year, in the third term of PM Modi, the approach to taxation has been to simplify it, reduce the burden on taxpayer and make sure it is transparent and equitable," she said. "This year also, our approach has been that we bring in greater simplification of tax laws and procedures, and that we enable growth and employment in this country," she added. Sitharaman presented the Union Budget in Parliament on July 23. This is the first full budget of the NDA government led by PM Modi. The BJP-led alliance won a third successive term earlier this year. The Lok Sabha took up discussion on the Finance Bill after the Appropriation Bill for the central government's expenditure for 2024-25 was passed by the House on Monday. The Finance Bill will now be discussed by Rajya Sabha. The passage of bill will complete the budget process.

Lok Sabha passes Finance Bill, provision on LTCG tax on property transactions amended

The <keyword id="6355302" type="General" weightage="100" keywordseo="rupee" source="Orion">rupee</keyword> depreciated 18 paise to close at 81.85 (provisional) against the <keyword id="6368584" type="General" weightage="80" keywordseo="us-dollar" source="Orion">US dollar</keyword> on Wednesday on dollar demand from importers and recovery in crude oil prices. Forex traders said sustained foreign fund outflows and concerns over rising COVID-19 cases in China also weighed on investor sentiments. At the interbank foreign exchange market, the local unit opened at 81.81 and later witnessed an intraday high of 81.74 and a low of 81.87 during the session. The domestic unit finally settled at 81.85 against the American currency, registering a fall of 18 paise over its last close of 81.67. "Indian Rupee depreciated on Dollar demand from importers and recovery in crude oil prices. FII outflows also weighed on Rupee," said Anuj Choudhary - Research Analyst at Sharekhan by BNP Paribas. However, the soft US Dollar and positive domestic markets cushioned the downside. The US Dollar declined on Tuesday on hopes that the <keyword id="45672" type="General" weightage="50" keywordseo="fed" source="Orion">Fed</keyword> may cool down its pace of rate hikes. The dollar index, which gauges the greenback's strength against a basket of six currencies, fell 0.21 per cent to 106.99. Global oil benchmark Brent crude futures advanced 0.91 per cent to USD 89.16 per barrel. Foreign Institutional Investors (FIIs) were net sellers in capital markets as they offloaded shares worth Rs 697.83 crore on Tuesday, according to exchange data. "We expect the Rupee to trade with a negative bias on concerns over rising COVID-19 cases in China and hawkish Fed speak. Though some Fed officials hint that they are open to a slower pace of rate hike, the US central bank will not pause its rate hike," Choudhary said. Traders may take cues from manufacturing and services <keyword id="104215" type="General" weightage="50" keywordseo="pmi" source="Orion">PMI</keyword>, durable goods orders and new home sales data. They will remain cautious ahead of the Federal Open Market Committee (FOMC) meeting minutes later today, Choudhary added. On the domestic equity market front, the 30-share BSE Sensex rose 91.62 points or 0.15 per cent to end at 61,510.58, while the broader <keyword id="372424" type="General" weightage="50" keywordseo="nse-nifty" source="Orion">NSE Nifty</keyword> advanced 23.05 points or 0.13 per cent to 18,267.25. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/finance/news/mukesh-ambanis-jio-financial-services-deep-pockets-and-wide-reach-to-challenge-the-likes-of-paytm-bajaj-finance/articleshow/95714425.cms">Mukesh Ambani’s Jio Financial Services’ deep pockets and wide reach to challenge the likes of Paytm, Bajaj Finance</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/finance/news/paytm-payments-bank-supports-upi-market-cap-maintains-leadership-as-psp-issuer-bank/articleshow/95714551.cms">Paytm Payments Bank supports UPI market cap, maintains leadership as PSP &amp; Issuer Bank</a>

Rupee falls 18 paise to close at 81.85 against US dollar

<ul><li>TCS, Infosys, Wipro are the top three information technology firms in the Indian market with over 11 lakh professionals working for the companies.</li><li>The entire IT sector has been witnessing a talent war with a high number of employees leaving the organisation for the last one year.</li><li>As a result, these firms have been hiring aggressively to make up for those leaving. Let’s see how much has changed in one fiscal year.</li></ul>For the last one year, the India’s as well as global information technology (IT) sector is going through a talent war to retain employees from leaving the organisations and spend millions on frequent promotions. While this has burnt a hole in the pocket of these technology firms, it has created tons of job opportunities for freshers graduating out of universities. Tata Consultancy Services (TCS), Infosys, Wipro are the top three information technology firms in the Indian market with over 11 lakh IT professionals working for the companies. Tata Group company TCS is the top IT firm in the industry with highest market capitalisation and biggest staff count. <table style="border-width: initial; border-style: none; table-layout: fixed; width: 468pt;" class="redcator-table-advance"></colgroup><tbody><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Top three IT firms </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Hiring done in FY22 </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Total no of employees </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Tata Consultancy Services </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">1.03 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">6 lakh </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Infosys </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">85,000 </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">3.14 </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Wipro </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">45,416 </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">2.43 </td></tr></tbody><tbody></tbody></table>The companies have been hiring aggressively to tame high employee attrition rate. Employee attrition rate is the measure of employees who have left voluntarily or involuntarily over a period of time. Rate of employees leaving the organisation is highest in Infosys, second highest at Wipro and then at TCS. The management at TCS feels that the attrition rate is <a href="https://www.businessinsider.in/tech/enterprise/news/techies-will-continue-to-leave-tcs-at-a-higher-rate-for-a-few-more-quarters-and-later-cool-off/articleshow/90783480.cms">cooling off </a>and may come down after a few quarters. <div type="image" title="tcs, infosys, wipro attrition rate" height="900" width="1200" msid="91184456" hostid="261"></div> SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/tech/enterprise/news/wipro-to-double-fresher-intake-this-year-promotions-to-be-faster-as-employees-are-still-jumping-ship-in-hordes/articleshow/91181367.cms">Wipro to double fresher intake this year, promotions to be faster as employees are still jumping ship in hordes</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/ahead-of-lic-ipo-paytm-money-opens-bids-of-up-to-5-lakh-through-upi/articleshow/91182034.cms">Ahead of LIC IPO, Paytm Money opens bids of up to ₹5 lakh through UPI</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/top-five-experts-to-learn-investing-in-us-stocks-from/articleshow/91182037.cms">Top five experts to learn investing in US stocks from</a>

TCS, Infosys, and Wipro hired 2.33 lakh employees in FY22 to tame high attrition

<ul><li><keyword id="6358815" type="General" weightage="80" keywordseo="tech" source="Orion">Tech</keyword> majors like <keyword id="12873900" type="General" weightage="20" keywordseo="wipro-tech-mahindra" source="Orion">Wipro, Tech Mahindra</keyword> and other MNCs have either put off recruitment of freshers or asked them to wait. </li><li>Experts, allaying fears of recession in US and Europe affecting IT industry in <keyword id="3658" type="General" weightage="50" keywordseo="india" source="Orion">India</keyword>, state that the trend is not new.</li><li>The present trend could be the result of workability of pipeline projects. </li></ul> There is uneasiness among a major section of students whose onboarding process has been delayed by major tech companies. Tech majors like <keyword id="10862" type="General" weightage="80" keywordseo="wipro" source="Orion">Wipro</keyword>, Tech Mahindra and other MNCs have either put off recruitment of freshers or asked them to wait until they are intimated. The freshers awaiting onboarding in Wipro have launched a full fledged campaign on social media, questioning Wipro Chairman Rishad Premji's integrity and commitment as he spoke strongly about ethics in connection with moonlighting. "The career of thousands of students like me is at stake. We cleared the Wipro exam in 2021. We rejected offers from other companies. But, it's been one year and we are still not onboarded. Wipro is either delaying or rejecting without any clarification," fresher Nithin said. Another fresher <keyword id="15167860" type="General" weightage="50" keywordseo="rushikesh-rupnar" source="Orion">Rushikesh Rupnar</keyword> stated that "it's been 9 months since I received my offer letter. There is no update regarding onboarding since then. Are we a joke to them? So many students out there are waiting to join". The <keyword id="15167857" type="General" weightage="50" keywordseo="nascent-information-technology-employees" source="Orion">Nascent Information Technology Employees</keyword> Senate (<keyword id="12917180" type="General" weightage="50" keywordseo="nites" source="Orion">NITES</keyword>), an NGO working for the welfare of IT employees, stated that the trend is not confined to Wipro. "After Wipro, we have received complaints from employees of various IT companies regarding delay in onboarding. Unfortunately the CEOs bragging about work ethics and transparency are left with no humanity." "If the workers are organised, all they have to do is to put their hands in their pockets and they have got the capitalist class whipped," NITES asserted. IT firms should be held accountable for endangering the professional futures of the employees and trainees. Companies play a good game about their beliefs and ethics on the surface, but in reality, It's just crony capitalism, one of the IT job aspirants alleged. The students who have formed a group online with the "Wipro onboard us" title, stated "please update on our career, group respected <keyword id="15167858" type="General" weightage="50" keywordseo="rishadpremji" source="Orion">RishadPremji</keyword> sir please update about the onboarding of freshers, why this ego system on freshers." "I hope u r reading this reply and you got to help us soon. Wishing good health and happiness to the people who re supporting us in struggle of Wipro on-board." "Please update on our career group submitted respected RishadPremji sir we don't know how the moonlighting effected your company, but your hiring process and holding freshers on-boarding effecting the lives of 20k+ freshers. Is our lives not valuable?" NITES had also filed a complaint with <keyword id="9286293" type="General" weightage="50" keywordseo="union-ministry-of-labor-and-employment" source="Orion">Union Ministry of Labor and Employment</keyword> urging to initiate action against the Wipro for delaying onboarding of more than 2,000 students. Wipro has stated that it will honour all offer letters. However, experts, allaying fears of recession in US and Europe affecting IT industry in India, state that the trend is not new. They say since China is being hit post Corona period, India could be more resilient. The present trend could be the result of workability of pipeline projects. If pipeline projects are getting affected for various reasons, the companies will strategise their moves by holding new recruitments or withdrawing offers. "This trend is an old one and the situation is projected like it is the end of IT industry which is wrong. The focus is on adopting to new technology, which is being focussed by all major tech companies. They are doing best prepare work force for new challenges," an expert said. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/musk-again-offers-to-buy-twitter-for-54-20-a-share-report/articleshow/94655083.cms">Musk again offers to buy Twitter for $54.20 a share: Report</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/competition-commission-gives-conditional-approval-to-sony-zee-merger-deal/articleshow/94654411.cms">Competition Commission gives conditional approval to Sony-Zee merger deal</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/upi-is-indias-favourite-payment-mode-with-transactions-worth-30-4-trillion-in-april-june-says-report/articleshow/94642629.cms">UPI is India’s favourite payment mode with transactions worth ₹30.4 trillion in April-June, says report</a>

Freshers feel the heat as IT majors put onboarding on indefinite hold

Father’s Day is just around the corner and if you haven’t purchased a gift or are still confused about what to buy, you have come to the right place. One of the best gifts to give is something that is used frequently and makes life easier. It might be a good idea to go with something like a smartwatch or a Bluetooth headphone as they offer a lot of features without burning a hole in your pocket. Keeping this in mind, we have compiled a list of some of the <keyword id="8438754" type="General" weightage="20" keywordseo="best-tech-gifts" source="Orion">best tech gifts</keyword> for Father’s Day. <cmsannotation type="cmsannotation" annotationid="Smartwatches and smart bands" comment="subhead" text="Smartwatches and smart bands">Smartwatches and smart bands</cmsannotation> <cmsannotation type="cmsannotation" annotationid="Apple Watch SE" comment="subhead" text="Apple Watch SE">Apple Watch SE</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B09G96LV3G" comment="amazoncard" text="B09G96LV3G">B09G96LV3G</cmsannotation> The Apple Watch SE is a great gift, especially for the elderly as it offers features like fall detection and emergency SOS. The watch features a Retina display and allows you to answer calls right from the watch. It tracks your activities and comes with a swim proof design. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy Watch 4" comment="subhead" text="Samsung Galaxy Watch 4">Samsung Galaxy Watch 4</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B09DG73T2Q" comment="amazoncard" text="B09DG73T2Q">B09DG73T2Q</cmsannotation> The Samsung Galaxy Watch 4 is another great smartwatch and is suitable for Android users. It comes with a circular AMOLED display and a rotating bezel. The watch offers heart rate tracking, sleep tracking and blood oxygen monitoring. It can also track activities such as walking, cycling and swimming among others. <cmsannotation type="cmsannotation" annotationid="Amazfit GTS 3" comment="subhead" text="Amazfit GTS 3">Amazfit GTS 3</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B09HVBF5H5" comment="amazoncard" text="B09HVBF5H5">B09HVBF5H5</cmsannotation> The Amazfit GTS 3 features a rectangular design and comes with a 1.72-inch AMOLED display. It offers continuous heart rate tracking, sleep tracking and blood oxygen monitoring. The watch comes with over 150 sports modes and the main highlight of the watch is its up to 12 days of battery life. <cmsannotation type="cmsannotation" annotationid="Mi Smart Band 6" comment="subhead" text="Mi Smart Band 6">Mi Smart Band 6</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B091G3FLL7" comment="amazoncard" text="B091G3FLL7">B091G3FLL7</cmsannotation> The Mi Smart Band 6 is a great option if you are looking for an affordable fitness band. It comes with an AMOLED display and a silicone band. The watch offers heart rate tracking, blood oxygen (SpO2) monitoring, sleep tracking and more. It comes with 30 fitness modes and different activity trackers. It offers a battery life of up to 14 days. <cmsannotation type="cmsannotation" annotationid="Truly wireless earphones" comment="subhead" text="Truly wireless earphones">Truly wireless earphones</cmsannotation> <cmsannotation type="cmsannotation" annotationid="Apple AirPods" comment="subhead" text="Apple AirPods">Apple AirPods</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B09JRDN6PL" comment="amazoncard" text="B09JRDN6PL">B09JRDN6PL</cmsannotation> The Apple AirPods are a good gift for iPhone users and will allow them to listen to music on the go. It comes with Dolby Atmos support and delivers an immersive listening experience. It comes with a custom driver and dynamic range amplifier. It is IPX4 certified for water resistance, allowing you to use them outdoors. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy Buds Pro" comment="subhead" text="Samsung Galaxy Buds Pro">Samsung Galaxy Buds Pro</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B08SKDXKZF" comment="amazoncard" text="B08SKDXKZF">B08SKDXKZF</cmsannotation> The Samsung Galaxy Buds Pro is an excellent gift for audiophiles who wish to listen to music on the go. It comes with an 11mm woofer and 6.5mm tweeter in each earbud and offers active noise cancellation. It is IPX7 certified for water resistance, making it an excellent option for outdoor use. <cmsannotation type="cmsannotation" annotationid="OnePlus Buds Z2" comment="subhead" text="OnePlus Buds Z2">OnePlus Buds Z2</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B07XWBJ9L1" comment="amazoncard" text="B07XWBJ9L1">B07XWBJ9L1</cmsannotation> The OnePlus Buds Z2 is a good option if you are looking for reliable TWS earphones at an affordable price. The earphone comes with a 11mm dynamic driver that delivers powerful bass. It comes with a low latency mode and offers a battery life of up to 38 hours. It offers quick pairing for easy pairing and allows you to quickly switch between devices. <cmsannotation type="cmsannotation" annotationid="Power bank" comment="subhead" text="Power bank">Power bank</cmsannotation> <cmsannotation type="cmsannotation" annotationid="Mi Power Bank 3i 20000mAh" comment="subhead" text="Mi Power Bank 3i 20000mAh">Mi Power Bank 3i 20000mAh</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B08HV83HL3" comment="amazoncard" text="B08HV83HL3">B08HV83HL3</cmsannotation> The Mi Power Bank 3i is a feature-packed device that offers a capacity of 20,000mAh and offers 18W charging. It can charge up to three devices at once as it comes with three ports. It offers both Type-C and Type-A ports. The device comes with twelve layers of protection. <cmsannotation type="cmsannotation" annotationid="URBN 20000mAh" comment="subhead" text="URBN 20000mAh">URBN 20000mAh</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B08JW1GVS7" comment="amazoncard" text="B08JW1GVS7">B08JW1GVS7</cmsannotation> The URBN 20000mAh power bank is another good option if you are looking to gift a power bank. It offers 22.5W charging and features a smooth finish that gives it a premium look. The power bank offers Type-C input and output and comes with a Type-A port. It offers twelve layers of circuit protection. <cmsannotation type="cmsannotation" annotationid="Redmi 20000mAh Power Bank" comment="subhead" text="Redmi 20000mAh Power Bank">Redmi 20000mAh Power Bank</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B0851WWXJC" comment="amazoncard" text="B0851WWXJC">B0851WWXJC</cmsannotation> The Redmi Power Bank comes with a 20,000mAh capacity and offers 18W charging. It offers microUSB and Type-C ports and comes with dual output ports, allowing you to charge two devices at once. It features an anti-slip texture and comes with 12 layers of circuit protection. <cmsannotation type="cmsannotation" annotationid="Other gifts" comment="subhead" text="Other gifts">Other gifts</cmsannotation> <cmsannotation type="cmsannotation" annotationid="Philips EasyTouch Plus Garment Steamer" comment="subhead" text="Philips EasyTouch Plus Garment Steamer">Philips EasyTouch Plus Garment Steamer</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B07DZ986Q2" comment="amazoncard" text="B07DZ986Q2">B07DZ986Q2</cmsannotation> A garment steamer makes life easier, allowing you to quickly remove wrinkles. The Philips EasyTouch Plus Garment Steamer is a 1600W device that delivers 32 grams of steam per minute. It comes with a 1600ml water tank, allowing you to iron several clothes. SEE ALSO: <a href="https://www.businessinsider.in/finance/news/upi-and-rupay-cards-will-soon-be-accepted-in-france/articleshow/92247190.cms">You will soon be able to use UPI in France in addition to UAE, Singapore</a> <a href="https://www.businessinsider.in/tech/apps/how-to/how-to-transfer-whatsapp-chats-and-data-from-an-android-phone-to-iphone/articleshow/92224121.cms">How to transfer WhatsApp chats and data from an Android phone to iPhone</a> <a href="https://www.businessinsider.in/tech/mobile/news/nothing-phone-1-video-reveals-four-notification-lights-at-the-back/articleshow/92245389.cms">Nothing phone (1) video reveals four notification lights at the back</a>

Best tech gifts for Father’s Day

<ul><li><keyword id="12297640" type="General" weightage="20" keywordseo="shopify-india" source="Orion">Shopify India</keyword> launches Festive Shopping Outlook Report 2021. </li><li>The Indian Retail Sector can expect to cater to smarter, savvier shoppers this Diwali.</li></ul>Shopify India has released an exclusive industry trend report based on their 2021 Consumer Insights Survey. The Festive Shopping Outlook Report 2021 has been put together against the background of the pandemic, even as the Indian retail sector continues to witness radical changes when it comes to consumer behavior and buying patterns. The survey, conducted between September 15, 2021 to October 20, 2021 amongst 800 metro and non-metro Indian shoppers, reveals changing consumer shopping preferences heading into the <keyword id="36208" type="General" weightage="20" keywordseo="festive-season" source="Orion">festive season</keyword>. These trends will ultimately determine the course that the Indian retail sector will follow, by elevating consumer strategies and aligning themselves to the new order. The survey by Shopify India has been released to decode changing consumer trends and sentiments in the run-up to Diwali – one of India’s most important annual festivals, that also results in the largest shopping period in the country. At its core, the report is aimed at studying the impact that multiple lockdowns, shifting retail landscapes and a struggling economy have had on consumer pockets and mindsets. The Festive Shopping Outlook Report 2021 published nine major trends that emerged from the Consumer Insights Survey. Heightened confidence in e-tailers waters down traditional advance festive shopping The pull of last-minute discount deals along with short-lead/express delivery advantages offered by e-retailers have been instrumental in gaining consumer confidence. According to the report by Shopify India, 2 in 3 Indian shoppers had not started shopping for the festive season at the time of taking this survey. This is in sharp contrast to pre-pandemic traditional behaviors where festive shopping in India would kick off in full swing nearly a month in advance. Smaller Indian cities emerge as key e-shopping growth hubs Multiple factors such as India’s nationwide mobile penetration, brands opting to shift to a D2C model, enhanced last-mile delivery and customer-friendly return policies have been instrumental in bringing the millennial, non-metro shopper to opt for the digital medium. While online shopping – in the last decade – has largely been prevalent amongst consumers in tier-I Indian metropolitan cities, the pandemic has accelerated and driven this growth up the charts in tier-II cities and non-metros as well. According to Shopify’s Festive Shopping Outlook Report, 53.5% millennial shoppers from non-metros have displayed a strong preference to shop online. Health &amp; safety concerns push customers to adopt tech-enabled, family shopping experiences Even with increased vaccinations, consumers are wary of offline/physical shopping and in-person interactions. Convenience, value for money and personalization offered by online players has enhanced e-purchasing’s appeal. However, one thing remains the same – Indian shopping still continues to be a family affair! Half the respondents of the survey indicated that they will prefer involving their families even when shopping online during the festive season. Local businesses to win big as consumers wake up to the advantages of shopping locally Close to 58% respondents stated that they would prefer to support and shop from small online businesses during this year’s festive season. This is in sharp contrast to the usual skew towards high-end brands when it comes to gifting and festive shopping. Smaller retailers have managed to capture consumer attention and loyalty by offering a range of value for money options, along with individual attention and personalized experiences. These benefits, combined with the emotional pull that consumers feel towards extending support and encouragement to businesses that are fighting to survive, have been instrumental in driving e-sales at these small, local establishments. Festive gifting gets utility-focused Consumers are now leaning towards gifts with high functionality and utility value, as opposed to standard festive sweets or dry fruit tokens. Home confinements have led to consumers realizing the need to constantly upgrade or enhance their abodes. It comes as no surprise that home décor and furnishings topped this year’s festive shopping lists with over 50% respondents displaying preference to spend on gifts under this category. Big budgets parked for electronics, dimming the spotlight on jewellery Despite being considered auspicious as well as status symbols, gold and precious metal jewellery which have been traditional festive gifting favorites seem to have fallen out of favor with Indian shoppers this year. The pandemic has inspired consumers to put their money where major dependencies lie; in tech gadgets. This festive season, electronic gadgets are all set to command maximum consumer gifting budgets with close to 42% respondents to Shopify’s survey showcasing increased propensity towards it. High-speed internet connections and a heightened need to stay connected have increased consumer reliance on gadgets. This has translated onwards onto a large proportion of downsized festive budgets being allocated to electronic products this year. Consumer sentiment confirms that the online shopping boom is here to stay According to Shopify India’s Festive Shopping Report 2021, 76.9% Indian consumers show deep inclination towards online shopping this festive season because of the convenience it offers. While traditionally festive shopping has been an offline retail activity, pandemic-induced restrictions put in place to contain the virus forced most retail activity to move online. A practice that many consumers have got familiar with and also appreciate for the bouquet of benefits it has to offer. However, this year, even with the lifting of most restrictions, high vaccinations rates and a lower covid caseload in India, Shopify India has witnessed a continued preference for virtual retail. Contactless spending set to dominate the future of payments in India and in ‘Bharat’ With the pandemic necessitating contactless payments and boosting cashless transactions, cash is no longer king in an economy which was previously heavily reliant on cash. Armed with the second-largest mobile-user base globally, India has transitioned into the e-payments era on the back of easy, convenient and accessible UPI payment options. Nearly 50% respondents surveyed by Shopify stated that they preferred to process payments via UPI as opposed to any other form of transaction. Interestingly, the preference remains consistent across both, online and offline shopping experiences. Conclusion Diwali 2021 is set to witness the rise of a smarter, savvier Indian consumer generation which is highly dependent on technology and mobile connectivity. They now seek convenience and value over all else and have broken away from traditional token gifting. It can safely be said that this year, Indian consumers are planning their Diwali shopping with an eye on the future. A future which they are already scripting; one Rupee at a time.

Local businesses to win big as consumers wake up to the advantages of shopping locally: Shopify report

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"></div></div></div>Andrew Luck is coming for the NFL.Even after three highly successful years in the NFL, Andrew Luck's career still feels like it's building to a monumental level.Three weeks out from the regular season, it feels as though 2015 will be the year Luck takes over, entering his name, officially, in the "best quarterback" conversation.In 2014, Luck threw a league-best 40 touchdowns to go with over 4,700 yards (third-best) on 616 attempts, third highest. Luck's completion percentage, 61.8% was a bit lower than some of the top quarterbacks, and it may have affected his advanced numbers, placing him ninth in <a href="http://www.footballoutsiders.com/stats/qb">Football Outsider's Defense-adjusted Yards Above Replacement </a>and 11th in Defense-adjusted Yards Above Average.However, Luck is just 25. He's still on his rookie contract. When he's due for a raise, some people think he&#xa0;may turn into the <a href="http://www.businessinsider.com/andrew-luck-contract-situation-2015-5">most expensive player in the league</a>.&#xa0;And entering his fourth year in the NFL, people already think he's ready to turn the corner. This is perhaps best evidenced by the <a href="http://chicago.suntimes.com/bears-football/7/71/894924/bears-rave-colts-elite-andrew-luck">quotes coming out of Chicago Bears players</a> in the Colts-Bears joint practices.Bears linebacker Pernell McPhee raved about Luck, first describing Luck cleverly saving a possession during a two-minute drill:"He's very smart. I mean you can clearly see on that two-minute. It was third-and-one and they got an illegal formation and they [get] backed up.&#xa0;I don't think the coach said [do] a hard count, and he [did a] hard count and the whole defense jumped. He got his third-and-one back. You feel me?"You know he's a very smart quarterback. He took all his reads. He doesn't try to get rid of the ball too fast. He'll sit in the pocket and play football...&#xa0;You've got to be on point with everything because he's elite."It's unclear if this is the same two-minute drill McPhee was referring to, but Luck reportedly put on a show in at least one two-minute drill:<div></div>McPhee also described how tough it is to defend Luck:"A great test because he's the type of guy (who) can run [or] he can sit in the pocket. So it's different angles how you have to rush him. Instead of going against Jay everyday at practice, you've got to be disciplined in your rush, where you can't go too high or Andrew will take off or you can't come under too early, and he'll take off. He's a great quarterback."Bears safety Antrel Rolle said:"He's one of the best quarterbacks in the league. He's very wise beyond his age. He runs a very efficient offense. He's very great at looking off defenders and he's very poised with his decision-making. He's a hell of a quarterback."Cornerback Tim Jennings added, "Andrew Luck is as good as you've got in the league."<div class="KonaFilter image-container display-table"><div><div class="image on-image"></div></div></div>Luck will also be working with a far greater offense than last season. Whereas last year, his top rusher was Trent Richardson, and his only receiver to break 800 yards was T.Y. Hilton, the Colts added Frank Gore as their primary rusher, while beefing up the receiving corps by adding Andre Johnson and drafting Phillip Dorsett.&#xa0;<a href="http://www.sportingnews.com/nfl/story/2015-08-20/andre-johnson-colts-andrew-luck-fantasy-talent-chemistry-offense-hilton-gore-dorsett">Johnson told Sporting News</a> that catching passes from Luck was a big part of the reason he left Houston to join the Colts:"That was a big part of my decision this offseason, when I became a free agent, just going to a place that had an established quarterback and a great quarterback. That's a reason why I came here. ...&#xa0;He's very smart. When I first got here, you would think he's been in the league for 10-12 years. He has a lot of experience even though he's been in the league for a short period of time. Those are some of the things that stand out. Once you get on the field with him, he's very prepared. He's a hands-on guy. He can tell you how he wants things, stuff like that."In <a href="http://espn.go.com/nfl/insider/story/_/id/13261036/league-insiders-rank-32-starting-quarterbacks-tiers-nfl">ESPN's quarterback rankings</a>, in which they surveyed league insiders for insight on each starting quarterback, Luck drew rave reviews. One GM compared Luck to Michael Jordan:"You want to talk about a guy who makes the team? He is Michael Jordan. Their defense sucks. Every game, he has to outscore everybody. He is the epitome of a 1. If I was to draft tomorrow any player in the NFL, it would be Andrew Luck one, Aaron Rodgers two."One head coach said Luck has all of the qualities of the NFL's best quarterbacks rolled into one: "He is as smart as Peyton, he is as accurate as Brady, he is tougher than Ben and he is as athletic as RG III."In an <a href="http://espn.go.com/blog/nflnation/post/_/id/174956/nfl-nation-casts-its-votes-for-nfls-highest-paid-player-and-its-not-eli-manning">ESPN poll of its NFL writers</a>, writers weighed in on who should be the league's highest-paid player. While Aaron Rodgers got the majority of his votes, some felt Luck should be the highest-paid player. Dolphins writer James Walker wrote:"He's already a top-three quarterback and may turn out to be the league's best quarterback by the end of this season. Luck single-handedly stabilizes the entire Colts franchise. Whatever Indianapolis pays Luck under the salary cap probably won't be a true indication of his value."With the burden of expectations, how could Luck respond to being anointed Future Best Quarterback in the NFL? He's kept his expectations low, <a href="http://www.cbssports.com/nfl/writer/jason-la-canfora/25276349/andrew-lucks-to-do-list-improve-in-red-zone-on-third-down-avoid-hits">telling CBS' Jason La Canfora</a> he only wants to improve in the red zone (again, he led the NFL in touchdowns), third downs, and limit his turnovers. Simple! He's not even done improving yet.The hype around Luck is tangible. Whether the lofty expectations for Luck can bear out in one year remains to be seen, but the NFL world is bracing itself for Luck to dominate. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/nfl-star-steelers-parent-advice-trophies-2015-8">Here's why NFL linebacker James Harrison threw away his kids' trophies</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="NubTkzdzr-tmZgfXbvQrE6N4xbfFgO4y" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

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