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The Reserve Bank's FI, or <keyword id="20377974" type="General" weightage="100" keywordseo="financial-inclusion" source="keywords">financial inclusion</keyword> index, which captures the extent of financial inclusion across the country, rose to 64.2 in March 2024, marking growth across all parameters. The index captures information on various aspects of financial inclusion in a single value ranging between 0 and 100, where 0 represents complete financial exclusion and 100 indicates full financial inclusion. "The value of the index for March 2024 stands at 64.2 vis-a-vis 60.1 in March 2023, with growth witnessed across all sub-indices," the Reserve Bank of India (<keyword id="19899808" type="General" weightage="20" keywordseo="RBI" source="keywords">RBI</keyword>) said in a statement today. During FY23, the FI Index stood at 60.1. Improvement in <keyword id="18794777" type="General" weightage="20" keywordseo="FI-Index" source="Orion">FI-Index</keyword> is mainly contributed by usage dimension, which further reflects deepening of financial inclusion, it added. The FI-Index comprises three broad parameters -access, which has a 35% weightage, usage, which has a 45% weight and quality, which has a 20% weight. Each of these parameters further consist of various dimensions, which are computed based on a total of 97 indicators. Breaking these parameters ahead, access is made up of 26 indicators, which capture the number of banking outlets NBFCs, and post offices, total number of <keyword id="25450" type="General" weightage="20" keywordseo="savings" source="Orion">savings</keyword> accounts (including small savings), <keyword id="22348444" type="General" weightage="20" keywordseo="electronic-payment-infrastructure" source="Orion">electronic payment infrastructure</keyword> and more. Usage comprises 52 indicators, which aims to capture the demand side, and is essentially a barometer for understanding how actively financial infrastructure is being utilized in our country by way of savings, <keyword id="6355120" type="General" weightage="20" keywordseo="investment" source="Orion">investment</keyword>, <keyword id="35450" type="General" weightage="20" keywordseo="insurance" source="Orion">insurance</keyword>, availing of credit and remittance facilities, etc. And lastly, quality, which consists of 19 indicators, takes into account the efficacy of existing grievance redressal mechanisms and awareness efforts undertaken by stakeholders and more. In August 2021, the central bank said FI-Index has been conceptualized as a comprehensive index, incorporating details of banking, investments, insurance, postal, as well as the pension sector, in consultation with government and respective sectoral regulators. The index is responsive to ease of access, availability and usage of services, and quality of services. According to RBI, a unique feature of the index is the quality parameter which captures the quality aspect of financial inclusion as reflected by financial literacy, consumer protection and inequalities and deficiencies in services. <h2> India added 4.7 crore jobs in 2023-24, says RBI</h2>In another significant data release during the day, the apex bank of the country noted that India added nearly 4.7 crore jobs during 2023-24, taking the total number of employed people to 64.33 crore, which are spread over 27 sectors covering the entire economy. The number of employed people was 59.67 crore at the end of March 2023, as per the RBI's update on 'Measuring Productivity at the Industry Level-The India KLEMS [Capital (K), Labour (L), Energy (E), Material (M) and Services (S)] Database'. The bank said the annual growth in employment during 2023-24 was 6% compared to 3.2% in the year-ago period. In the last five years, <keyword id="22348445" type="General" weightage="20" keywordseo="The-India-KLEMS" source="Orion">the India KLEMS</keyword> database revealed that total employment increased from 53.44 crore in 2019-20 to 64.33 crore during the previous fiscal. The data for financial 2022-23 is a provisional estimate of productivity for the total economy. The 'agriculture, hunting, forestry and fishing' employed 25.3 crore individuals, up from 24.82 crore in 2021-22, the fiscal 2022-23 data suggested. Construction, trade, and transport and storage were among the leading employment provider segments in 2022-23. Notably, for the purpose of this database, 27 industries are clubbed together to form 6 major sectors, namely <ul><li>Agriculture, Hunting, Forestry and Fishing</li><li>Mining and Quarrying</li><li>Manufacturing</li><li>Electricity, Gas and Water supply</li><li>Construction</li><li>Services</li></ul>

Rise seen in financial inclusion index, jobs in the country, notes RBI

Festive season is here and on the occasion of <keyword id="23288581" type="General" weightage="20" keywordseo="Dhanteras" source="keywords">Dhanteras</keyword> today, buying jewellery is customary for many. If you are also planning to buy jewellery this festive season, this is for you. The <keyword id="20050220" type="General" weightage="20" keywordseo="Bureau-of-Indian-Standards" source="keywords" meta.keywordsubtype="org" meta.entityname="Bureau of Indian Standards" meta.hostid="261" meta.entityid="Bureau of Indian Standards">Bureau of Indian Standards</keyword> (BIS) is placing special emphasis on consumer awareness around gold and silver purchases, specifically advising shoppers to choose items backed by the <keyword id="21548543" type="General" weightage="20" keywordseo="BIS-hallmark" source="keywords">BIS hallmark</keyword> for guaranteed purity and quality. The hallmark, as the BIS notes, is a crucial indicator of authenticity, especially given the high value traditionally associated with gold purchases during this festival. The BIS hallmark consists of three critical components: the BIS Standard Mark, confirming adherence to quality standards; the Purity Mark, which denotes gold’s fineness and carat purity; and a unique Hallmark Unique ID (HUID), a six-digit alphanumeric code specific to each jewellery piece. Consumers can verify the HUID on their jewellery using the ‘<keyword id="23727070" type="General" weightage="20" keywordseo="verify-HUID" source="keywords">Verify HUID</keyword>’ feature on the BIS Care App, which is free to download. This added verification step ensures customers can make informed purchases that meet the advertised purity levels, making the hallmark a trusted seal during peak shopping seasons. As part of its hallmarking efforts, BIS has made hallmarking mandatory in several regions of India since June 2021. Originally launched in 256 districts, hallmarking has been expanded to cover 343 districts following three phases of implementation, according to BIS. The scheme has had a substantial impact, with the number of BIS-registered jewellers increasing from 43,153 in 2021 to over 193,567 today. Furthermore, the number of Assaying and Hallmarking Centres (AHCs) now stands at 1,611, reflecting an extensive infrastructure to meet rising demand. Hallmarking fees have been set at Rs 45 per piece (exclusive of taxes), with testing available at AHCs for Rs 200 per item, a move BIS believes supports consumer confidence by offering a third-party verification system. Director General of BIS, <keyword id="22532001" type="General" weightage="20" keywordseo="Pramod-Kumar-Tiwari" source="keywords">Pramod Kumar Tiwari</keyword>, reiterated BIS’s commitment to upholding <keyword id="21945794" type="General" weightage="20" keywordseo="quality-standards" source="keywords">quality standards</keyword> in gold purchases, especially during festive seasons like Dhanteras, when jewellery is traditionally seen as a symbol of prosperity and future security. Tiwari encouraged consumers to prioritise BIS-certified jewellery, highlighting that with the hallmark and BIS CARE app, buyers can validate purchases independently. With Dhanteras marking a peak in gold buying as families seek financial security, BIS is focusing on educating consumers about hallmarking as a means to safeguard investments. This growing system of certification, backed by government oversight, is intended to make buying gold a transparent, secure experience—one that helps consumers focus more on the joy of the purchase and less on the risks associated with authenticity. (with ANI inputs)

Buying gold jewellery this Dhanteras? Here is how you can verify authenticity as per BIS

<ul class="summary-list"><li>Car owners in California said a bear caused interior damage to their luxury vehicles.</li><li>The California Department of Insurance said the "bear" was actually a person in a costume.</li></ul>Four Californians said a bear damaged their luxury car, but insurers have accused them of <a target="_blank" class="" href="https://www.businessinsider.com/insurance-fraud-artificial-intelligence-detection-2023-10">insurance fraud</a> involving someone dressed in a bear costume.The California Department of Insurance <a target="_blank" class="" href="https://www.insurance.ca.gov/0400-news/0100-press-releases/2024/release056-2024.cfm">said in a press release</a> Wednesday that four Los Angeles-area residents — Ruben Tamrazian, Ararat Chirkinian, Vahe Muradkhanyan, and Alfiya Zuckerman — had been charged with <a target="_blank" class="" href="https://www.businessinsider.com/taiwan-student-convinced-friend-amputate-legs-insurance-scam-prosecutors-2024-3">insurance fraud</a> and conspiracy.The department said the suspects claimed in January that a bear had entered and damaged their 2010 <a target="_blank" class="" href="https://www.businessinsider.com/rolls-royce-nyc-private-office-custom-ultra-expensive-cars-2024-10">Rolls-Royce</a> Ghost, a vehicle that typically sells for about $100,000 used, while it was parked in Lake Arrowhead, California.They provided <a target="_blank" class="" href="https://vimeo.com/1029340693/2294a5bc86">video footage</a> to their insurance company, purportedly showing a bear entering the vehicle.Images of the interior showed scratches on the leather seats and on the doors, which looked like claw marks.However, CDI investigators determined that the "bear" in the footage was actually a person wearing a bear costume, the press release said.It added that detectives also uncovered two additional insurance claims involving a 2015 <a target="_blank" href="https://www.businessinsider.com/mercedes-benz-hybrid-g550-g63-photos-details-2024-3">Mercedes G63 AMG</a> and a 2022 Mercedes E350, with the suspects submitting similar evidence to substantiate those claims.The CDI said the department sought advice from a California Department of Fish and Wildlife biologist, who reviewed the footage and concluded that it showed a person in a bear costume.A search warrant led detectives to a bear costume in the suspects' home, according to the CDI.The CDI said insurance companies were defrauded out of $141,839. The San Bernardino County District Attorney's Office is prosecuting the case.Insurance fraud is a major issue in the US. <a target="_blank" class="" href="https://insurancefraud.org/wp-content/uploads/The-Impact-of-Insurance-Fraud-on-the-U.S.-Economy-Report-2022-8.26.2022.pdf">According to the Coalition Against Insurance Fraud</a>, it costs the country over $300 billion annually.Schemes involving car payouts are on the rise in California, New York, and Florida, Mark Friedlander, a spokesperson for the Insurance Information Institute, <a target="_blank" class="" href="https://www.foxbusiness.com/lifestyle/auto-insurance-fraud-rise-us-staged-accidents-more-brazen-than-before">told Fox Business</a> last month.Friedlander said these kinds of accidents, which often involve staged car crashes, are costing insurers tens of billions and are adding hundreds of dollars to insurance premiums.<a target="_blank" class="" href="https://data.bls.gov/timeseries/CUUR0000SETE?output_view=data">According to the US Bureau of Labor Statistics</a>, the <a target="_blank" class="" href="https://www.businessinsider.com/soaring-home-car-insurance-rates-hurting-americans-finances-us-economy-2023-11">cost of motor vehicle insurance</a> in US cities is up about 14% in 2024, from the previous year.

Car owners claimed a bear trashed their Rolls-Royce. Insurers say it was fraud involving a person in a bear suit.

No expert committee has been set up for extending <keyword id="19923745" type="General" weightage="20" keywordseo="health-benefits" source="keywords">health benefits</keyword> to cover citizens aged 70 and above under <keyword id="19913233" type="General" weightage="100" keywordseo="Ayushman-Bharat" source="keywords">Ayushman Bharat</keyword>, <keyword id="22556022" type="General" weightage="20" keywordseo="Union-Minister-of-State-for-Health" source="keywords">Union Minister of State for Health</keyword> Prataprao Jadhav told the Lok Sabha on Friday. He was responding to a question on whether the government proposed to cover citizens aged 70 and above by expanding Ayushman Bharat through the launch of a <keyword id="21782708" type="General" weightage="20" keywordseo="National-Health-Claims-Exchange" source="keywords">national health claims exchange</keyword> and if an expert panel had been set up to strengthen the format of the scheme for the planned expansion. Jadhav, in a written reply, said all members of eligible families, irrespective of age, were covered under Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana. The scheme provides <keyword id="19894985" type="General" weightage="20" keywordseo="health-insurance" source="keywords">health insurance</keyword> cover of Rs 5 lakh per family per year for secondary and tertiary care hospitalisation to 55 crore individuals, corresponding to 12.34 crore families, he said. "No expert committee has been set up for extending the health benefits to cover <keyword id="19894991" type="General" weightage="20" keywordseo="senior-citizens" source="keywords">senior citizens</keyword> aged 70 and above," he stated. Responding to another question, Jadhav said 34 insurers and third-party administrators were live and approximately 300 hospitals ramping up to start sending their claims on the National Health Claims Exchange (NHCX), which aims to streamline and fasten health <keyword id="35450" type="General" weightage="20" keywordseo="Insurance" source="Orion">insurance</keyword> claim processing, as on July 21. Jadhav said the government built the NHCX gateway under the Ayushman Bharat Digital Mission. It aims to streamline and standardise health insurance claim processing, enhance efficiency in the insurance industry and improve patient experience. It serves as a gateway for exchanging health claim information among insurers, third party audit, healthcare providers, beneficiaries and other relevant entities and ensures interoperability, machine-readability, auditability and verifiability, making the information exchange accurate and trustworthy, the minister said. This system will enhance efficiency and transparency in the insurance industry, benefiting policyholders and patients, he added. Supported by the Insurance Regulatory and Development Authority of India and the General Insurance Council, the NHCX will enable standardised and faster health insurance claim processing, Jadhav said.

No panel formed for extending benefits to cover citizens above 70 under Ayushman Bharat, says govt

<ul><li><keyword id="6362363" type="General" weightage="20" keywordseo="health-insurance" source="Orion">Health insurance</keyword> companies, middlemen, and agents have to give all policyholders a document called the <keyword id="1328156" type="General" weightage="20" keywordseo="customer-information" source="Orion">customer information</keyword> sheet(CIS). </li><li>Easy to understand CIS will help address common customer queries and understand their <keyword id="2303826" type="General" weightage="20" keywordseo="policy-benefits" source="Orion">policy benefits</keyword> as well as limitations better. </li><li>There should be a note that tells policyholders where to find the CIS, so they can always refer to it when they need to understand their policy better. </li></ul>According to a recent circular by the Insurance Regulatory and Development Authority of India (IRDAI), health insurance companies, middlemen, and agents have to give all policyholders a document called the customer information sheet (CIS), and they need to make sure they confirm that the policyholder got it, whether it's a physical paper or a digital version. If a policyholder wants it, this sheet should be available in their local language. The sheet should use a font size that's at least 12" (in Arial) or bigger to make it easy to read. It's also important that all the information on this sheet is filled in correctly. <cmsannotation type="cmsannotation" annotationid="Policy information in a simple language in one place" comment="Subhead" text="Policy information in a simple language in one place">Policy information in a simple language in one place</cmsannotation> “This is a very good initiative that will bring transparency from the customer perspective. Every information that the customer needs is already there, but the CIS will give it in a simple, tabular form,” says Bhaskar Nerurkar, head, health administration team, Bajaj Allianz General Insurance. For example some policies may have certain sublimits or room rent restrictions, which will be listed transparently in a simple form in one particular place. “We send all these details to the customer but it is in a policy schedule form which is slightly legal,” adds Nerukar. Agrees, Dr. S. Prakash, chairperson, Health Committee, General Insurance Council. “The CIS can be very handy and useful and prevent any delay when a claim is processed.” Given that many policy wordings contain technical jargons and legal language, customers may face challenges in comprehension. “Easy to understand CIS will help address common customer queries and understand their policy benefits as well as limitations better, so that it leaves no room for any confusion during policy holding or claim processing,” says Bhabatosh Mishra, director, claims, underwriting and product, Niva Bupa, a <keyword id="135638" type="General" weightage="20" keywordseo="health-insurance-company" source="Orion">health insurance company</keyword>. <cmsannotation type="cmsannotation" annotationid="Necessary information access made easy" comment="Subhead" text="Necessary information access made easy">Necessary information access made easy</cmsannotation> When sending out the main policy document, there should be a note that tells policyholders where to find the CIS, so they can always refer to it when they need to understand their policy better. This helps make sure that people understand their insurance policies and have all the information they need. If the customers have any query they can get both online and offline assistance from the intermediary and resolve any doubts,” says Prakash. Customers can also contact the customer support team of the health insurance companies for help.

Health insurance information to be made available in a simple and lucid form from January 1

<ul><li>India's real GDP grew at around 8.2% in real terms in Fy24: Economic Survey </li><li>Retail inflation dipped to 5.4% in FY24, notes Economic Survey</li><li>Unemployment dipped to 3.2% in FY24</li></ul><keyword id="19912360" type="General" weightage="20" keywordseo="Finance-Minister-Nirmala-Sitharaman" source="keywords">Finance Minister Nirmala Sitharaman</keyword> is set to present the union budget on 23rd July, at 11 am. The budget session is scheduled to last between 22nd July and 12th August. This will be <keyword id="19956941" type="General" weightage="20" keywordseo="FM-Sitharaman" source="keywords">FM Sitharaman</keyword>'s seventh consecutive budget presentation under the third term of <keyword id="20205025" type="General" weightage="20" keywordseo="Bhartiya-Janata-Party" source="keywords" meta.keywordsubtype="org" meta.entityname="Bhartiya Janata Party" meta.hostid="261" meta.entityid="Bhartiya Janata Party">Bhartiya Janata Party</keyword> (BJP). All budget-related documents will be available at indiabudget.gov.in. You can watch the presentation live on Doordarshan, Sansad TV, and also on various official government YouTube channels. With this budget, Sitharaman will only precede former PM <keyword id="20342248" type="General" weightage="20" keywordseo="Morarji-Desai" source="keywords">Morarji Desai</keyword>, who has presented the highest number of budget (10) till date, followed by <keyword id="22330828" type="General" weightage="20" keywordseo="P-Chidambaram" source="keywords">P. Chidambaram</keyword> with 9 budgets, and Pranab Mukherjee, who has 8 budgets to his credit. In her recent address in parliament, Sitharaman noted that significant social and economic decisions will be a highlight of this budget. Notably, she concluded <keyword id="901788" type="General" weightage="20" keywordseo="pre-budget-consultations" source="Orion">pre-budget consultations</keyword>, which began on June 19th, on July 5th, where she met 20 invitees across 10 groups, including representatives from agriculture, skill development, finance and banking, energy, <keyword id="17408" type="General" weightage="20" keywordseo="Infrastructure" source="Orion">infrastructure</keyword> sector and more. <h2>Key expectations from Budget 2024</h2>Experts note that this budget will mainly focus on improving consumption, and boosting <keyword id="174143" type="General" weightage="20" keywordseo="infrastructure-development" source="Orion">infrastructure development</keyword>. Per reports, the government is also mulling raising the threshold of standard deduction under income tax regimes from the present Rs 50,000 to Rs 1 lakh. Additionally, to boost healthcare accessibility for the underserved in the country, the government is also contemplating to double the annual coverage offered under the <keyword id="20097876" type="General" weightage="20" keywordseo="Ayushman-Bharat-health-insurance-scheme" source="keywords">Ayushman Bharat health insurance scheme</keyword> from the present Rs 5 lakh to Rs 10 lakh over the next 3 years, along with also covering individuals aged over 70. Mr. Tashwinder Singh, CEO &amp; MD, Niyogin Fintech Limited, which offers credit to MSMEs, noted that upcoming regulatory changes should focus on simplifying compliance, taxation policies that encourage entrepreneurship, and incentivise innovations that drive R&amp;D investments. "We hope that the government takes measures to support the lending industry through access to capital and affordable interest rates, enabling entrepreneurs to realize their vision. Furthermore, we look forward to relaxed norms for NBFCs, allowing them to contribute more substantially to the economy. These measures will collectively propel India's economic growth, boost job creation, and position the Indian fintech industry as a strong contender in innovation and entrepreneurship", he continues. As for bolstering green infrastructure and clean energy production, Ms Aditi Balbir, Co-founder, EcoRatings notes that the 2024 union budget should prioritize investments in sustainable infrastructure projects and clean energy solutions, as 70% of greenhouse gas emissions stem from energy, industry, and buildings. "This will create a future-proof foundation for economic growth and help in achieving net-zero targets. Infrastructure is crucial in addressing climate change and meeting diverse societal needs. A transformative overhaul of our current and future infrastructure assets is essential. The budget should introduce financial incentives, such as lower interest rates on loans and dedicated grants, for companies committed to ESG compliance. This will create a clear link between sustainability efforts and economic benefits", she continued. <h2>Focus on Agri-credit, Real Estate in Budget 2024</h2>The government could also raise the target for agricultural loans disbursed during the year by up to 25%, setting the target at Rs 25 lakh crore. The government will also have to revamp the MSP (minimum support price) system in this space, focusing on challenges such as narrow coverage, dipping export competitiveness, discouraging private investment in this space and more. Another area that demands significant attention is real estate. Shubhi Jain, Principal Partner &amp; Head of CRM, Square Yards anticipates significant reforms in the upcoming budget under the new government. Securing industry status will unlock a plethora of legal and administrative benefits, along with much-needed tax incentives. "Also, while government’s focus on affordable housing under PMAY is commendable, recalibrating strategies in light of escalating construction costs is imperative for sustained inclusiveness and effectiveness. Moreover, enhanced tax reliefs and increased deductions on home loans, currently capped at INR 2 lakhs, are pivotal in stimulating demand and supporting prospective buyers", she says. <div type="Article" hostid="261" msid="111946291" title="Union Budget 2024-25 key highlights: Assistance for Nalanda's development as a tourist center" mstype="2" mssubtype="0"></div><h2>Short-term outlook positive, notes Economic Survey </h2>FM Sitharaman presented the Economic Survey 2023-24 in the parliament today, ahead of the budget. The survey noted that the Indian economy had managed to recover and expand in an orderly fashion post the pandemic, with the real GDP growing by 8.2% in FY24. Going ahead, prospects for continued strong growth in FY25 remain robust. India also managed to bring down its current account deficit (0.7% of GDP in FY24), while projecting a 7%+ growth rate in the medium term. On the employment front, the survey noted that AI might moderate India's services export growth by as much as 0.3 to 0.4 percentage points annually over the course of the next decade. As such, greater emphasis and focus is needed on areas like blockchain, artificial intelligence (AI), machine learning, Internet of Things, cybersecurity, cloud computing, big data analytics, augmented reality, virtual reality, 3D printing, and web and mobile development. The Indian labour market indicators have significantly improved over the past 6 years, with unemployment rates dipping to 3.2% in 2022-23. However, even as net payroll additions to EPFO have doubled over the last 5 years, signaling a healthy formal employment market, job creation and increasing women participation in workforce remain key areas of concern. For all updates and latest information related to the budget, don't forget to follow <a href="https://www.businessinsider.in/budget" data-type="tilCustomLink" target="_blank">Budget Insider</a>! SEE ALSO: <a href="https://www.businessinsider.in/budget/news/union-budget-2024-live-updates-finance-minister-nirmala-sitharaman-key-announcements-23-july/liveblog/111942008.cms" data-type="tilCustomLink" target="_blank">Union Budget 2024 Live Updates: FM Sitharaman announces internships for 10 million youth in 500 top companies</a> <a href="https://www.businessinsider.in/budget/news/loan-limit-under-mudra-scheme-to-be-doubled-to-20-lakh-sitharaman/articleshow/111950024.cms" data-type="tilCustomLink" target="_blank">Loan limit under MUDRA scheme to be doubled to ₹20 lakh: Sitharaman</a>

Union Budget 2024: When will it be presented, what time, where to watch and what are various sectors expecting?

As India’s start-up ecosystem matures, a new trend is emerging: <keyword id="23791918" type="General" weightage="20" keywordseo="micro-acquisitions" source="Orion">micro-acquisitions</keyword>. This approach – focussed on buying smaller businesses – has become increasingly popular among Indian entrepreneurs looking for cost-effective growth avenues. Platforms like <keyword id="23791917" type="General" weightage="20" keywordseo="flippa" source="keywords">Flippa</keyword> are at the forefront of this shift, facilitating these transactions by offering a user-friendly, data-rich environment where buyers and sellers can connect seamlessly. In a country that has seen rapid growth in entrepreneurship, micro-acquisitions represent a shift from the traditional emphasis on large scale deals. And this trend is being fuelled by an influx of domestic funds and micro venture capital (VC) firms dedicated to nurturing early-stage startups. <h2>Changing Mindsets: Why Micro-Acquisitions?</h2>Entrepreneurs are turning to micro-acquisitions for the flexibility, speed and cost-efficiency that they offer. By targeting smaller, less capital intensive deals, they are able to side step the complexities of a traditional M&amp;A, making it a viable pathway for expansion and growth. Besides these can also help entrepreneurs diversify their holdings and adapt to market demands without overcommitting resources. Flippa allows Indian entrepreneurs to access a global marketplace where they can identify businesses aligned with their objectives. <h2>The M&amp;A Landscape in India</h2>While the US mergers and acquisitions market has seen slower growth, private capital inflows in India are on the rise, according to <a href="https://www.pwc.com/gx/en/services/deals/trends/private-capital.html">PwC</a>. The second quarter of 2024 proved to be a landmark period for Indian startups, with a 57% year-on-year surge in megadeals driving fundraising to an eight-quarter high of $5.2 billion, as reported by <a href="https://www.dealstreetasia.com/reports/india-deal-review-q2-2024">Deal Street Asia</a>. Flippa has capitalised on this trend. A marketplace founded in 2009 for buying and selling online businesses, it has amassed over 3 million users worldwide. As of <a href="https://flippa.com/data-insights?buy_sell=PR_DataInsights_EmbedGraphs">October 2024</a>, Flippa had 396,000 active buyers on its platform with a combined wallet of $75 billion, an increase of 15,000 active buyers month-on-month. This broad, engaged user base gives Indian entrepreneurs a diverse pool of acquisition targets, from digital properties to app-based ventures. Notably, data-driven app acquisition companies like KalaGato leverage Flippa to identify the right opportunities. “If you’re trying to get into the market, a platform like Flippa is a great place to start,” said Aman Kumar, Founder of KalaGato. <h2>Cutting Edge Technology At Work</h2>Flippa’s technology sets it apart, using a proprietary <a href="https://flippa.com/product/recommender-engine">matching algorithm</a> powered by an AI-driven graph neural network that assesses over 100 factors to match buyers and sellers. This technology streamlines the acquisition process, helping entrepreneurs find suitable opportunities more efficiently, especially in a crowded market like India, where navigating business brokers or directly approaching potential sellers can be time-consuming and fraught with challenges. “Flippa as a platform is continuously evolving. Once you start looking at exits or the potential to exit a business, then a platform like Flippa is super useful,” Kumar adds, emphasising the platform's adaptability to the needs of modern entrepreneurs. Another standout feature is its <a href="https://flippa.com/product/deal-room">multi-user Deal Room</a>. This comprehensive digital sales hub allows users to manage the entire sales process for online businesses and digital assets in one place. Sellers can communicate with buyers in real time, filter messages, and review offers and Letters of Intent (LOIs) within the Deal Room itself. This organisation is particularly helpful for entrepreneurs who may be overwhelmed by the volume of inquiries when trying to sell their business. The Deal Room provides real-time notifications about buyer engagement, ensuring that users can respond promptly and keep negotiations moving forward. Buyers are invited to the Deal Room on a scheduled basis, creating a structured interaction environment. <h2>Prioritising Security and Trust</h2>A secure transaction environment is crucial, especially for entrepreneurs new to acquisitions. Flippa’s <a href="https://flippa.com/product/insurance">insurance</a> policies offer this layer of security for both buyers and sellers. The Buyer Protect policy safeguards buyers against financial losses resulting from seller misrepresentation or breaches of warranty, covering up to 100% of the enterprise value of the business. Meanwhile, the Seller Protect policy shields sellers from potential financial losses, creating a balanced environment for transactions. This dual protection reinforces trust and allows the involved parties to focus on growth without worrying about potential hidden risks. <h2>Market Insights for Informed Decision-Making</h2>To further assist users in making informed decisions, <a href="https://flippa.com/product/market-insights/">Flippa Market Insights</a> provides valuable data on online businesses and digital assets. This tool enables users to compare prices of similar businesses, benchmark performance metrics like average order value and customer lifetime value, and access real-time sales data, including historical performance information. Users can filter this data by time period, business model, and price point, ensuring they have the insights needed to navigate the acquisition landscape effectively. Flippa’s expert vetting team reviews the stated financial performance of every asset priced above USD $50,000, providing an additional layer of credibility to the listings. <h2>A Bright Future for Micro-Acquisitions in India</h2>With the Indian startup ecosystem thriving and the appetite for micro-acquisitions only expected to grow, Flippa stands at the forefront by connecting ambitious entrepreneurs with the resources they need to succeed. Whether you’re an established business owner looking to expand your portfolio or a newcomer eager to dip your toes into entrepreneurship, Flippa offers a wealth of opportunities in this exciting landscape. So, if you are interested in starting your exit journey, get a free valuation for your business here - <a href="https://flippa.com/free-valuation">get a FREE valuation</a>. Disclaimer: This article is generated and published by the Insider Studios team. You can get in touch with them on <a href="mailto:insiderstudios@businessinsider.in">insiderstudios@businessinsider.in</a>

The rise of micro-acquisitions in India: How Flippa is driving the trend

Bike insurance is a necessity for every bike owner. It provides financial protection in the event of an accident, theft, or any other unforeseen circumstances. A comprehensive <keyword id="21358051" type="General" weightage="100" keywordseo="bike-insurance-policy" source="keywords">bike insurance policy</keyword> not only protects your bike but also safeguards you against third-party liabilities. In India, as mandated by law under Motor Vehicles Act, of 1988, it is mandatory to have a third-party motor insurance policy for all motor vehicles. However, opting for comprehensive insurance which is a combination of Third-Party (TP) and Own Damage (OD) coverage, which offers additional benefits and peace of mind. If you purchased bike insurance in April 2023, it will be up for Own Damage (OD) renewal in <keyword id="19986528" type="General" weightage="20" keywordseo="April-2024" source="keywords">April 2024</keyword>. Here are some tips to help you renew your bike insurance policy effortlessly. This article will offer essential tips that will make your bike insurance renewal journey seamless and convenient. <cmsannotation type="cmsannotation" annotationid="Evaluate your current policy" comment="subhead" text="Evaluate your current policy">Evaluate your current policy</cmsannotation> Before renewing the policy, evaluate your current bike insurance policy. Assess the coverage you opted for and whether it meets your requirements. Check if your policy includes add-ons that you don't need or if it lacks crucial coverage. Based on your evaluation, you can decide if should switch to another insurer, opt for a new policy, or renew your existing policy with no changes. <cmsannotation type="cmsannotation" annotationid="Check for No Claims Bonus (NCB)" comment="subhead" text="Check for No Claims Bonus (NCB)">Check for No Claims Bonus (<keyword id="20071511" type="General" weightage="20" keywordseo="NCB" source="keywords">NCB</keyword>)</cmsannotation> If you did not make any claims during the previous policy period, you are eligible for a No Claims Bonus (NCB). You can avail of a discount on the premium for the next policy period. Ensure that your insurer has correctly calculated the NCB amount, and it reflects in the <keyword id="20791613" type="General" weightage="20" keywordseo="premium-amount" source="keywords">premium amount</keyword>. <cmsannotation type="cmsannotation" annotationid="Review the IDV of your bike" comment="subhead" text="Review the IDV of your bike">Review the <keyword id="20623260" type="General" weightage="20" keywordseo="IDV" source="keywords">IDV</keyword> of your bike</cmsannotation> Insured Declared Value (IDV) is the maximum amount that the insurer pays in the event of damage or theft of a bike. IDV is calculated based on the current market value of the bike. Review the IDV of your bike in your current policy. Ensure that the premium amount is correctly calculated based on the IDV. If the IDV mentioned is less than the actual value of your bike, you will have to pay extra in case of partial loss or theft. On the other hand, if the IDV is high, your premium amount will be more. Thus, you must evaluate the IDV wisely, ensuring a balance between the IDV and the premium amount. <cmsannotation type="cmsannotation" annotationid="Compare policies" comment="subhead" text="Compare policies">Compare policies</cmsannotation> It is crucial to compare policy quotes from different insurance providers before renewing your policy. Comparing policies helps you understand the different types of coverage available in the market. It also enables you to make an informed decision based on the best possible coverage and premium cost. Using online insurance comparison tools can help you compare policies and their features. It is advisable to opt for a policy that offers comprehensive coverage while keeping the premium amount affordable. At Bajaj Finance Insurance Mall, you can compare bike insurance policies and premiums offered by leading insurance providers in India. This convenient platform allows you to choose your preferred policy and buy it in just a few clicks. So, check Bajaj Finance Insurance Mall before renewing your bike insurance policy. <cmsannotation type="cmsannotation" annotationid="Renew on time" comment="subhead" text="Renew on time">Renew on time</cmsannotation> It is important to renew your bike insurance policy on or before the due date. If you fail to renew on time, you will have to pay a penalty for a delayed renewal. Additionally, if there is a gap between your policy's expiry date and the renewal date, you will not be covered in case of any mishaps. You can renew your policy online through your insurer's website or mobile application. It's a quick and convenient way to renew your policy from the comfort of your home. <cmsannotation type="cmsannotation" annotationid="Opt for long-term policies" comment="subhead" text="Opt for long-term policies">Opt for long-term policies</cmsannotation> Instead of renewing your policy annually, you have the option to opt for long-term policies. Long-term policies offer coverage for up to three years, reducing the hassle of renewing the policy every year. It also locks in the premium and NCB for the duration of the policy. <cmsannotation type="cmsannotation" annotationid="Final thoughts" comment="subhead" text="Final thoughts">Final thoughts</cmsannotation> Renewing your bike insurance policy on time is crucial to ensure financial protection in case of an accident, theft, or any other unforeseen circumstances. Carefully evaluate your current policy and compare policy quotes from different insurers. Review the IDV of your bike and ensure that the premium is calculated based on it. Check if you are eligible for a No Claims Bonus and if it is correctly reflected in the premium amount. Opt for a long-term policy if it suits your needs. Remember to renew your policy on time to avoid any penalties for delayed renewal and gaps in coverage. By following these tips, you can effortlessly renew your bike insurance policy in April 2024. (ADVERTORIAL DISCLAIMER: The above press release has been provided by VMPL. will not be responsible in any way for the content of the same)

Essential tips for effortlessly renewing your bike insurance policy in 2024

<ul><li>Over 40% respondents mentioned <keyword id="11321964" type="General" weightage="20" keywordseo="high-premiums" source="Orion">high premiums</keyword> as the main reason for not buying insurance</li><li>About 53% expressed difficulty in understanding the products and processes.</li><li>58% of respondents expressed trust in brands they were familiar with when purchasing <keyword id="6362363" type="General" weightage="20" keywordseo="health-insurance" source="Orion">health insurance</keyword>.</li></ul><keyword id="17908534" type="General" weightage="20" keywordseo="affordability-concerns" source="Orion">Affordability concerns</keyword> and difficulties in understanding the product are the two primary reasons discouraging individuals from purchasing health and <keyword id="6406875" type="General" weightage="20" keywordseo="life-insurance" source="Orion">life insurance</keyword> in India, according to a consumer insights report from insurance marketplace Policybazaar.com. The ‘How India Buys Insurance’ report says that its survey found over 40% of respondents mentioned high premiums as the main reason for not obtaining insurance, while about 53% expressed difficulty in understanding the products and processes, leading them to abandon the idea. The survey examined the buying behaviour of 3,300 plus respondents from 27 cities across India, including metros, Tier II and Tier III cities. <cmsannotation type="cmsannotation" annotationid="Trust factor plays an important role" comment="subhead" text="Trust factor plays an important role"><keyword id="3403801" type="General" weightage="20" keywordseo="trust-factor" source="Orion">Trust factor</keyword> plays an important role</cmsannotation> Approximately 80% of the respondents identified personal recommendations from friends, family or a known agent as the primary reason for considering insurance. Among them, 56% stated that a recommendation from friends and family played a significant role in their decision to purchase health insurance, while 54% reported the same for life insurance. The survey also revealed that 58% of respondents expressed trust in brands they were familiar with when purchasing health insurance, while 64% expressed the same for life insurance. This indicates that individuals tend to place greater trust in insurance brands that they recognise or that have a long-standing presence in the market. Brand familiarity and a strong track record seem to contribute to the building of trust among consumers when it comes to selecting insurance providers. Says Sarbvir Singh, chief executive officer of Policybazaar, “With a detailed series of face-to-face interactions, we have gone beyond Tier-I and Tier-II cities in this research and also explored the perspectives of Tier-III India. We hope that the insights from our research will pave the way for more relevant and consumer-centric solutions from the insurance industry.” <cmsannotation type="cmsannotation" annotationid="Research vs buy" comment="subhead" text="Research vs buy">Research vs buy</cmsannotation> Approximately 80% of the respondents, for both health and life insurance, sought information online before making a policy purchase. However, despite the online research, over 85% of the respondents ultimately opted to purchase insurance offline, primarily through an agent whom they were acquainted with or who came recommended by friends and family. This indicates that while online platforms are used for gathering information, the personal connection and trust associated with known agents play a crucial role in the final decision-making process when it comes to purchasing insurance.

Affordability and lack of understanding are main reasons for people not opting for insurance in India

<ul><li>For 71% of <keyword id="1565074" type="General" weightage="20" keywordseo="indian-jobseekers" source="Orion">Indian jobseekers</keyword>, work flexibility is the most crucial parameter. when evaluating a job opportunity.</li><li>80% of the informal employees want better <keyword id="417908" type="General" weightage="50" keywordseo="medical-benefits" source="Orion">medical benefits</keyword>.</li><li>Jobseekers want to know the salary range before applying for a role and want to hear back from recruiters in a timely manner.</li></ul> The aspirations of the Indian workforce - especially the millennials and the GenZs - have changed dramatically after the Covid-19 pandemic. Indian jobseekers are now prioritising work flexibility, work modes and job location much more when evaluating a job opportunity. Moreover, the <keyword id="1120419" type="General" weightage="60" keywordseo="informal-sector" source="Orion">informal sector</keyword> wants the gap with the formal sector bridged when it comes to health benefits. A recent Indeed India survey of 1,810 individuals – consisting of 561 employers and 1,249 jobseekers – revealed that most jobseekers prefer to work in a hybrid setting, where they can work from home some days and from the office on other days. Larger organisations are more likely to offer the desired flexibility, with 51% of employers stating that they do. For as many as 71% of Indian jobseekers, work flexibility takes the top spot. This includes the ability to work from home, set your own hours, and take breaks as needed. For those going to the office, the importance of factoring in the proximity of the job location to their office space has increased. "Streamlining processes, building aspirations and empathetic consideration can really empower jobseekers and unlock a diverse pool of talent. Hence, employers who want to attract and retain top talent need to be aware of these preferences and be willing to adapt,” says Sashi Kumar, head of sales, Indeed India. In addition to flexibility, jobseekers also value clarity and communication during the job search process. They want to know the salary range before applying for a role, and they want to hear back from recruiters in a timely manner. <cmsannotation type="cmsannotation" annotationid="Quess Corp report sees informal sector aspire" text="Quess Corp report sees informal sector aspire">Quess Corp report sees informal sector aspire</cmsannotation> Another survey conducted by Quess Corp found that 80% of the informal employees expect their employers to provide them with the security of ESI (employees’ state insurance) and other medical benefits. Moreover, the aspiration to transition from informal employment to the formal sector is higher for women. "With high aspirations regarding skilling, social security, and healthcare benefits, India's informal economy is as aspirational to benefit from EPFO, ESIC, and other social security benefits as their formal counterparts. Our current laws enable coverage of such social security benefits only for organisations that have above 10 or 20 employees. This leaves behind a huge class of citizens that are not benefited by these laws," says Lohit Bhatia, president of workforce management, Quess Corp. EPFO refers to the Employees Provident Fund Organisation. These findings suggest that there is a growing demand for formal employment in India, and that technology is playing a role in helping people make the transition. Moreover, work structures may never go back to a fully work-from-office structure as the demand for a hybrid culture has seeped in deep after the pandemic showed that work was possible without leaving the comforts of your home.

India votes for a hybrid work culture, better medical benefits for the informal sector

<ul><li>Between January 2020 and June 2023, 75% of cyber crimes in India were attributed to financial frauds.</li><li>Expenses incurred in the retrieval or restoration of lost or corrupted data resulting from malware attacks is covered in policies. </li><li>Financial losses incurred due to online shopping on fraudulent websites are also covered. </li></ul>Online monetary transactions are on the rise every year and as we spend more and more time in the virtual world, the world of crime has seen opportunities and spread its tentacles in this sphere too. Cybersecurity fraud includes various types, including <keyword id="6359049" type="General" weightage="20" keywordseo="phishing" source="Orion">phishing</keyword> attacks that trick users into revealing personal information, ransomware that encrypts data for extortion, <keyword id="429939" type="General" weightage="20" keywordseo="identity-theft" source="Orion">identity theft</keyword> for financial gain, and malware infections exploiting vulnerabilities in systems. Many of these frauds result in <keyword id="514956" type="General" weightage="20" keywordseo="financial-loss" source="Orion">financial loss</keyword> because the bank account of the victim is compromised. A study conducted by a start-up incubated with IIT Kanpur revealed that between January 2020 and June 2023, 75% of cyber crimes in India were attributed to financial frauds. Companies take <keyword id="1672191" type="General" weightage="20" keywordseo="cyber-insurance" source="Orion">cyber insurance</keyword> to protect themselves from damages due to cyber frauds. Cyber security insurance is also available for individuals. HDFC ERGO, offers a cyber sachet insurance policy, tailored for individuals, including students, women, entrepreneurs, and working professionals. The policy covers a range of cyber threats such as theft of funds, identity theft, social media liability, malware attacks, phishing, and third-party data breaches along with coverage for counselling services to support individuals who experience emotional setbacks due to cyber incidents. Also one can extend the coverage to cover their smart home devices affected by malware attacks. Similarly Bajaj Allianz provides an Individual Cyber Safe Insurance Policy. Cyber insurance acts as a protective measure against potential losses incurred online, offering assurance and coverage in case of adverse incidents. This insurance coverage grants peace of mind, allowing individuals to engage in online activities without constant concern over financial ramifications caused by cyber threats. Such plans can have a sum insured of ₹10,000 to ₹5 crore. Let us take a look at what all is covered under cyber insurance. Financial loss: The coverage extends to financial losses resulting from online frauds, encompassing unauthorised access, phishing, and spoofing incidents affecting bank accounts, credit/debit cards, and digital wallets. “Any sort of financial loss due to any <keyword id="6358845" type="General" weightage="20" keywordseo="cyber-fraud" source="Orion">cyber fraud</keyword> is covered up to the sum assured in the policy. For example if someone clicks on a phishing link and then one's account is hacked and one loses money from their bank account the policy will cover it,” says TA Ramalingam, chief technical officer, Bajaj Allianz General Insurance . Identity theft: Coverage includes indemnification for financial losses, credit monitoring expenses, legal fees for prosecution resulting from the unauthorised use of personal information by a third party on the internet. Additionally, it encompasses psychological consultation expenses for the affected individual. Data restoration: Expenses incurred in the retrieval or restoration of lost or corrupted data resulting from malware attacks is covered. “Cost incurred in restoring lost or corrupted data or replacing hardware due to malware attack,” says Parthanil Ghosh, President, Retail Business HDFC ERGO General Insurance. Hardware replacement: Expenses associated with replacing your personal device or its components that have been impacted or damaged due to a malware attack are covered. Cyber bullying: Coverage includes legal expenses, expenses related to removing objectionable content posted by cyber-bullies, and psychological consultation costs for the affected individual. Online shopping: Financial losses may be incurred due to online shopping on fraudulent websites. “Online shopping fraud where an item is not received even after making a full payment is covered,” says Ghosh. What is not covered Any losses resulting out of dishonest or improper conduct is not covered. Any losses arising out of racist, pornographic or other immoral services or restricted websites are also not covered. Some of the other exclusions include coverage for investment activities like selling shares and losses in cryptocurrency. It is the onus of the policyholder to follow basic safety procedures. “One needs to behave as if one is not insured. So if someone makes basic mistakes like sharing one’s PIN or OTP or writing the PIN at the back of an ATM card, the insurance company won't cover any damages,” says Ramalingam. If you are a heavy mobile phone or Internet user, having cyber insurance can give you a safety net. However, remember, it pays to stay vigilant.

Online financial crimes on the rise – How to secure your digital world

Financial markets regulator <keyword id="6355630" type="General" weightage="20" keywordseo="securities-and-exchange-board-of-india" source="Orion">Securities and Exchange Board of India</keyword> (<keyword id="35210" type="General" weightage="20" keywordseo="sebi" source="Orion">SEBI</keyword>) has banned three individuals and two entities (in total five) from securities markets in a case of front-running trades in <keyword id="17271372" type="General" weightage="20" keywordseo="life-insurance-corporation-of-india-" source="Orion">Life Insurance Corporation of India.</keyword> The practice by dealers of dealing with advance information provided by their brokers and investment analysts, before their clients have been given the information is known as front running. Of the individuals was <keyword id="6367143" type="General" weightage="20" keywordseo="lic" source="Orion">LIC</keyword>'s employee Yogesh Garg since November 08, 2011. The rest are Sarita Garg, Kamlesh Agarwal, Ved Prakash HUF, and Sarita Garg HUF. Also, SEBI impounded Rs 2.44 crore in total from their accounts. SEBI's interim order on Thursday said the entities shall cease and desist from, directly or indirectly, engaging in any fraudulent, manipulative or unfair trade practice including front running thereby committing or causing a violation of any provisions under relevant laws. "...it is prima facie concluded that Noticees 1 to 5 (five entities) were involved in a scheme to front run the trades of the Big Client and therefore they are prima facie jointly and severally liable for the proceeds generated from the front running trades," the SEBI order read. It was prima facie observed that Yogesh Garg, being a dealer in LIC, was in possession of non-public information regarding impending orders of LIC and he acted as an information carrier. SEBI concluded that these five entities had a distinct role to play in the fraudulent scheme devised for front-running the orders of LIC. The entities are now directed to provide a full inventory of all assets held in their name, whether movable or immovable or any interest or investment or charge on any of such assets, including details of all bank accounts, <keyword id="104763" type="General" weightage="20" keywordseo="demat" source="Orion">Demat</keyword> accounts and mutual fund investments, immediately but not later than 15 days. Against that backdrop, SEBI advised LIC to review its processes and take all necessary additional measures to prevent, detect, and remediate any fraudulent, manipulative or unfair trade practices by its employees in relation to its investment activities. .SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/entertainment/news/filmfare-awards-2023-gangubai-kathiawadi-makes-a-clean-sweep/slidelist/99833037.cms">Filmfare Awards 2023: Gangubai Kathiawadi makes a clean sweep</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/indian-stock-indices-hold-steady-as-investors-monitor-earnings-wipro-is-top-gainer/articleshow/99834835.cms">Indian stock indices hold steady as investors monitor earnings; Wipro is top gainer</a>

SEBI bans five entities in LIC front running case, impounds ₹2.44 crore

Union Finance Minister Nirmala Sitharaman on Thursday said that while government institutions, <keyword id="6368751" type="General" weightage="20" keywordseo="banks" source="Orion">banks</keyword> and <keyword id="114713" type="General" weightage="20" keywordseo="insurance-companies" source="Orion">insurance companies</keyword> were building greater awareness over cyber fraud, there was a need for people also to be more alert against cheats who were out to game the system. Speaking at the 'DATE with Tech' event in the national capital, Sitharaman said the government regularly examines public sector banks and the RBI checks its own systems in order to prevent <keyword id="70382" type="General" weightage="20" keywordseo="cyber-frauds" source="Orion">cyber frauds</keyword>, in which victims are tricked via <keyword id="10861" type="General" weightage="20" keywordseo="phone" source="Orion">phone</keyword> or <keyword id="6369206" type="General" weightage="20" keywordseo="sms" source="Orion">SMS</keyword>, while insurance firms assess their own systems as well. "India is in a transitional stage, we are at a stage where we are transforming from what was before to what is now, which is completely digital," Sitharaman added. She said there is worry on a small scale about people receiving arbitrary calls that trap them and cause them to lose money. "Those people who game the system probably are one notch ahead of us in terms of using and misusing technology. On that, there is a lot of work required. It is a never-ending game because technology is such an animal that keeps moving and racing much ahead of you. You have to be sure that you got the reins in your hand," Sitharaman said. The Union Minister said big organisations with systemically sensitive information should have sufficient technology and staff that are properly educated to firewall their systems on a daily basis. They also need to continuously assess whether the firewall is still capable of doing its job. She also highlighted India's achievement in developing a comprehensive digital infrastructure known as the "India Stack". This initiative, funded by public resources, integrates various digital elements, marking a significant leap in the nation's digitiaation journey which has been appreciated by other countries as well. Sitharaman said in the recent G20 Digital Public Infrastructure conference people were really surprised that a country like India could not only utilise the talent which is available with public funds and be able to scale it up at the ground level.

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