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Over three-fourths of wealthy Indians have sent or are planning to send their kids overseas for education, according to an <keyword id="19916458" type="General" weightage="20" keywordseo="hsbc" source="keywords">HSBC</keyword> survey. The survey of 1,456 Indians, having investable surplus between Rs 84 lakh ($100,000) and nearly Rs 17 crore ($2 million), conducted in March found a strong urge for overseas education with 78% of the respondents saying they are keen on a <keyword id="382324" type="General" weightage="100" keywordseo="foreign-education" source="Orion">foreign education</keyword> for their children. Investable survey is the amount set aside for investment from overall net worth. The <keyword id="23129277" type="General" weightage="20" keywordseo="global-quality-of-life" source="keywords">Global Quality of Life</keyword> 2024 survey commissioned by foreign lender HSBC said the <keyword id="19900781" type="General" weightage="20" keywordseo="united-states" source="keywords">United States</keyword> is top overseas destination for Indians, followed by the <keyword id="19956320" type="General" weightage="20" keywordseo="united-kingdom" source="keywords">United Kingdom</keyword>, <keyword id="19896882" type="General" weightage="20" keywordseo="canada" source="keywords">Canada</keyword>. <keyword id="19895799" type="General" weightage="20" keywordseo="australia" source="keywords">Australia</keyword> and <keyword id="19895045" type="General" weightage="20" keywordseo="singapore" source="keywords">Singapore</keyword>. So strong is the urge for foreign education for the child that the parents are willing to suffer financial strains as well, the survey said, pointing out that the investment in education may come at the sacrifice of retirement savings. The expected or actual annual cost of overseas education works out at $62,364, and may use up to 64% of parents' retirement savings. Parents resort to dipping into general savings, taking loans and selling assets to fund the overseas education, the survey said. The quality of overseas education tops the list of primary reason for considering the overseas education, followed closely by the possibility to specialise in an area, the survey said. The survey said that financial concerns are the biggest worry for parents when the kid flies out for education, and followed by others like social or mental concerns and physical or health concerns.

Wealthy Indians send kids overseas for education, says HSBC Survey

India is blessed with a vast coastline, offering some of the most beautiful and diverse beaches in the world. From the lively shores of <keyword id="19895061" type="General" weightage="20" keywordseo="Goa" source="keywords" meta.keywordsubtype="org" meta.entityname="Goa" meta.hostid="261" meta.entityid="Goa">Goa</keyword> to the tranquil sands of the Andaman Islands, there’s a perfect beach for everyone. Let's explore the Indian states that offer the best beach experiences. <cmsannotation type="cmsannotation" annotationid="1. Goa: The Party Paradise" comment="subhead" text="1. Goa: The Party Paradise">1. Goa: The Party Paradise</cmsannotation> <div type="image" title="1" msid="110735219" hostid="261" sizebytes="2405590" caption="&amp;lt;p&amp;gt;Experience Goa&amp;#39;s vibrant nightlife and stunning beaches.&amp;lt;/p&amp;gt;"></div>Discover the vibrant shores of Goa, India's ultimate beach destination, where each beach has its own charm and energy. Baga Beach is the heart of nightlife and water sports, with buzzing restaurants and nightclubs. Anjuna Beach is famous for its trance parties and bustling flea markets, while Palolem Beach offers a peaceful retreat with its crescent-shaped shoreline and dolphin-spotting boat trips. <keyword id="21947906" type="General" weightage="20" keywordseo="best-beaches" source="keywords">Best beaches</keyword>: Baga Beach: Ideal for water sports and nightlife. Packed with restaurants, bars, and nightclubs. Anjuna Beach: Known for its trance parties and flea markets. Palolem Beach: A picturesque crescent-shaped beach, perfect for swimming and boat trips to see dolphins. Best Time to Visit: November to February <cmsannotation type="cmsannotation" annotationid="2. Kerala: God's Own Country" comment="subhead" text="2. Kerala: God's Own Country">2. Kerala: God's Own Country</cmsannotation> <div type="image" title="2" msid="110735236" hostid="261" sizebytes="2523401" caption="&amp;lt;p&amp;gt;Relax on Kerala&amp;#39;s tranquil and picturesque beaches.&amp;lt;/p&amp;gt;"></div>Experience the serene beauty of Kerala's beaches, where golden sands meet lush coconut groves and tranquil backwaters. Varkala Beach is renowned for its stunning cliffs and natural springs, offering a perfect spot for relaxation and Ayurvedic treatments. Kovalam Beach, with its iconic lighthouse, provides a picturesque setting for swimming and sunbathing. Marari Beach, a hidden gem, is ideal for those seeking a quiet and pristine getaway. Best beaches: Varkala Beach: Famous for its cliffs and natural springs. It's a great place to relax and enjoy Ayurvedic treatments. Kovalam Beach: Known for its lighthouse and three adjacent crescent-shaped beaches. Marari Beach: A quiet and clean beach, perfect for a peaceful retreat. Best Time to Visit: November to February <cmsannotation type="cmsannotation" annotationid="3. Andaman and Nicobar Islands: Tropical Paradise" comment="subhead" text="3. Andaman and Nicobar Islands: Tropical Paradise">3. Andaman and Nicobar Islands: Tropical Paradise</cmsannotation> <div type="image" title="3" msid="110735246" hostid="261" sizebytes="2102282" caption="&amp;lt;p&amp;gt;Dive into the pristine beauty of the Andaman and Nicobar Islands.&amp;lt;/p&amp;gt;"></div>Immerse yourself in the untouched beauty of the Andaman and Nicobar Islands, where pristine beaches like Radhanagar Beach on Havelock Island beckon with turquoise waters and powdery white sand. Elephant Beach is a paradise for snorkelling enthusiasts, showcasing vibrant coral reefs and marine life. Kalapathar Beach, known for its striking black rocks, offers a serene and picturesque escape from the hustle and bustle. Best beaches: Radhanagar Beach (Havelock Island): Often ranked among the best beaches in Asia, it is known for its turquoise waters and white sand. Elephant Beach: Great for snorkelling and witnessing colourful coral reefs. Kalapathar Beach: Famous for its unique black rocks and serene atmosphere. Best Time to Visit: October to May <cmsannotation type="cmsannotation" annotationid="4. Tamil Nadu: The Cultural Coast" comment="subhead" text="4. Tamil Nadu: The Cultural Coast">4. Tamil Nadu: The Cultural Coast</cmsannotation> <div type="image" title="4" msid="110735265" hostid="261" sizebytes="1717748" caption="&amp;lt;p&amp;gt;Explore the cultural and scenic coastline of Tamil Nadu.&amp;lt;/p&amp;gt;"></div>Explore Tamil Nadu's rich cultural heritage along its beautiful coastline. Marina Beach in Chennai, one of the longest urban beaches in the world, is perfect for evening strolls and enjoying local delicacies. Mahabalipuram Beach, with its ancient rock-cut temples and sculptures, is a UNESCO World Heritage site that blends history with natural beauty. Kanyakumari Beach, at the southern tip of India, offers breathtaking views where three seas converge. Best beaches: Marina Beach (Chennai): One of the longest urban beaches in the world, perfect for evening walks and local snacks. Mahabalipuram Beach: Known for its UNESCO World Heritage Site temples and rock-cut sculptures. Kanyakumari Beach: Located at the southern tip of India, it’s a great spot to witness the confluence of the Arabian Sea, Bay of Bengal, and Indian Ocean. Best Time to Visit: November to February <cmsannotation type="cmsannotation" annotationid="5. Karnataka: The Unexplored Gem" comment="subhead" text="5. Karnataka: The Unexplored Gem">5. Karnataka: The Unexplored Gem</cmsannotation> <div type="image" title="5" msid="110735273" hostid="261" sizebytes="1641522" caption="&amp;lt;p&amp;gt;Discover Karnataka&amp;#39;s pristine and serene beaches.&amp;lt;/p&amp;gt;"></div>Discover the pristine and less crowded beaches of Karnataka, a hidden gem on India's west coast. Gokarna Beach, a spiritual and serene destination, is known for its beautiful temples and clean sands. Om Beach, named for its unique Om-shaped coastline, is perfect for trekking and enjoying stunning sunset views. Kudle Beach offers a peaceful retreat, ideal for yoga and relaxation, away from the tourist crowds. Best beaches: Gokarna Beach: A serene and spiritual destination, known for its beautiful temples and clean beaches. Om Beach: Named after its Om-shaped coastline, it’s a favourite for beach trekking and sunset views. Kudle Beach: A quiet beach, perfect for relaxing and yoga. Best Time to Visit: October to March <cmsannotation type="cmsannotation" annotationid="6. Maharashtra: The Diverse Coastline" comment="subhead" text="6. Maharashtra: The Diverse Coastline">6. Maharashtra: The Diverse Coastline</cmsannotation> <div type="image" title="6" msid="110735281" hostid="261" sizebytes="1985305" caption="&amp;lt;p&amp;gt;Enjoy Maharashtra&amp;#39;s diverse and beautiful beach destinations.&amp;lt;/p&amp;gt;"></div>Uncover the diverse beach experiences of Maharashtra, from bustling urban shores to serene getaways. Juhu Beach in Mumbai is a lively spot famous for its street food and Bollywood celebrity sightings. Alibaug Beach, just a ferry ride away from Mumbai, is known for its historic Kolaba Fort and clean sands. Ganpatipule Beach, a hidden gem along the Konkan coast, offers a tranquil atmosphere and pristine sands, making it perfect for a family escape. Best beaches: Juhu Beach (Mumbai): A bustling beach famous for street food and Bollywood celebrity sightings. Alibaug Beach: Known for its black sand and historic Kolaba Fort. Ganpatipule Beach: A hidden gem with clean sands and a tranquil atmosphere, ideal for families. Best Time to Visit: October to March <cmsannotation type="cmsannotation" annotationid="Tips for a Great Beach Experience" comment="subhead" text="Tips for a Great Beach Experience">Tips for a Great <keyword id="21022457" type="General" weightage="20" keywordseo="beach-experience" source="keywords">Beach Experience</keyword></cmsannotation> Plan Your Visit: Check the best time to visit each state to avoid the monsoon season. Pack Essentials: Sunscreen, hats, swimwear, and comfortable clothing are a must. Stay Hydrated: Carry enough water, especially in sunny weather. Respect Local Customs: Some beaches, especially in Kerala and Tamil Nadu, are close to temples and have dress codes. India’s beaches are as diverse as its culture, offering something for everyone—from partygoers and adventure seekers to those looking for peace and tranquillity. Whether you’re planning a family vacation, a romantic getaway, or a solo adventure, India’s coastal states provide the perfect setting for unforgettable beach experiences. SEE ALSO: <a href="https://www.businessinsider.in/travel/india/webstories/10-breathtaking-indian-islands-to-visit-this-summer/slidelist/109952791.cms" data-type="tilCustomLink" target="_blank">Beautiful islands to visit in India in summer</a>

Indian states that offer the best beach experience

After reporting <keyword id="21767878" type="General" weightage="20" keywordseo="record-profits" source="keywords">record profits</keyword>, state-owned <keyword id="20459282" type="General" weightage="100" keywordseo="fuel-retailers" source="keywords">fuel retailers</keyword> <keyword id="19908045" type="General" weightage="20" keywordseo="Indian-Oil-Corporation" source="keywords" meta.keywordsubtype="org" meta.entityname="Indian Oil Corporation" meta.hostid="153" meta.entityid="Indian Oil Corporation">Indian Oil Corporation</keyword> (<keyword id="6354733" type="General" weightage="20" keywordseo="IOC" source="Orion">IOC</keyword>), <keyword id="19908646" type="General" weightage="20" keywordseo="BPCL" source="keywords" meta.keywordsubtype="org" meta.entityname="BPCL" meta.hostid="153" meta.entityid="BPCL">BPCL</keyword> and <keyword id="20052221" type="General" weightage="20" keywordseo="HPCL" source="keywords" meta.keywordsubtype="org" meta.entityname="HPCL" meta.hostid="153" meta.entityid="HPCL">HPCL</keyword> posted up to 90 per cent slump in their June quarter earnings as margins fell and they booked under-recovery on the sale of domestic cooking gas LPG at government-controlled rates. IOC, the nation's largest oil firm, reported 81 per cent drop in standalone net profit in April-June - the first quarter of current 2024-25 fiscal year - to Rs 2,643.18 crore as opposed to a profit of Rs 13,750.44 crore a year back, according to a company filing. Net profit also declined sequentially, when compared to an earning of Rs 11,570.82 crore in March quarter. Hindustan Petroleum Corporation Ltd (HPCL) posted 90 per cent drop in profit to Rs 633.94 crore as compared to an earning of Rs 6,765.50 crore in April-June 2023 and Rs 2,709.31 crore in the preceding March quarter. Bharat Petroleum Corporation Ltd (BPCL) net profit dropped to Rs 2,841.55 crore in April-June from Rs 10,644.30 crore a year back and Rs 4,789.57 crore in January-March, its filing showed. The three fuel retailers made extraordinary gains from holding petrol and diesel prices despite a drop in cost. The price freeze was justified in the name of recovering losses they had suffered in the previous year when they did not raise retail prices despite a surge in cost. The gains arising from the price freeze were eroded with petrol and diesel prices being cut by Rs 2 per litre each just before general elections and a fall in refining margins. Also, the three had uncompensated <keyword id="20866844" type="General" weightage="20" keywordseo="LPG-subsidy" source="keywords">LPG subsidy</keyword> - IOC booking under-recovery of Rs 5,156.23 crore in April-June, BPCL Rs 2,015.10 crore and HPCL Rs 2,443.71 crore, according to the filings. As per an order of the oil ministry, when market determined price (MDP) of LPG cylinders is less than its effective cost to customer (ECC), oil marketing companies (OMCs) have to retain the difference in a separate buffer account for future adjustment. However, as on June 30, 2024, the three firms had a net negative buffer as the retail selling price was less than MDP. The three retailers IOC, BPCL and HPCL had reported record profits totalling about Rs 81,000 crore in FY24 (2023-24), which was far more than their annual earnings of Rs 39,356 crore in pre-oil crisis years. This is because they resisted calls to revert to daily price revision and pass on softening in rates to consumers on grounds that prices continue to be extremely volatile - rising on one day and falling on the other - and that they needed to recoup losses incurred in the year, when they kept rates lower than cost. IOC in 2023-24 posted a standalone net profit of Rs 39,618.84 crore compared to Rs 8,241.82 crore in 2022-23. While the company could argue that FY23 was impacted by the <keyword id="21626914" type="General" weightage="20" keywordseo="oil-crisis" source="keywords">oil crisis</keyword>, the FY24 earnings are higher than even the pre-crisis years - Rs 24,184 crore net profit in 2021-22 and Rs 21,836 crore in 2020-21. BPCL posted a net profit of Rs 26,673.50 crore in FY24, higher than Rs 1,870.10 crore earnings in 2022-23 and Rs 8,788.73 crore in FY22. HPCL's 2023-24 profit of Rs 14,693.83 crore is compared with a Rs 8,974.03 crore loss in FY23 and a profit of Rs 6,382.63 crore in 2021-22, according to the filings. The losses in FY23 had led to the finance minister announcing Rs 30,000 crore equity infusion in the three firms. Mid-way through the year, that support was halved to Rs 15,000 crore. The support was to happen by way of equity infusion via a rights issue. But after the record profits of 2023-24, the equity infusion plan has now been scrapped. Finance Minister Nirmala Sitharaman had on February 1 last year, while presenting the annual Budget for the 2023-24 fiscal (April 2023 to March 2024), announced an equity infusion of Rs 30,000 crore in IOC, BPCL and HPCL to support the three state-owned firm's energy transition plans. In the interim budget that the finance minister presented in February this year ahead of the general elections, the capital support to the three oil companies was halved to Rs 15,000 crore. In the full budget for 2024-25, both plans have been scrapped. While other state-owned oil companies like Oil and Natural Gas Corporation (ONGC) and GAIL (India) Ltd too have lined up billions of dollars of investment to achieve net-zero carbon emissions, the equity support was limited to the three fuel retailers, which had suffered huge losses in 2022 when they held retail petrol, diesel and cooking gas (LPG) prices despite a spike in raw material (crude oil) prices, following Russia's invasion of Ukraine. The board of IOC and BPCL had last year approved rights issues to raise to Rs 22,000 crore and Rs 18,000 crore, respectively. The government was to participate in the rights issue. The three companies, which control roughly 90 per cent of India's fuel market, 'voluntarily' have not changed petrol, diesel and cooking gas (LPG) prices, resulting in losses when input costs were higher and profits when raw material prices were lower. They posted a combined net loss of Rs 21,201.18 crore during April-September 2022 despite accounting for Rs 22,000 crore announced but not paid LPG subsidy for the previous two years. Subsequent softening of international prices and government giving out LPG subsidies helped IOC and BPCL post annualised profit for 2022-23, but HPCL was in the red. In FY24, things changed dramatically, and the three firms posted record earnings.

After record profits, state-owned fuel retailers Indian Oil, BPCL and HPCL see profit slump in Q1

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Wealthy Indians send kids overseas for education, says HSBC Survey

PTI

Indian states that offer the best beach experience

Ayush Mehrotra

After record profits, state-owned fuel retailers Indian Oil, BPCL and HPCL see profit slump in Q1

PTI

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