The Representative

Retirement isn’t an Age; it’s a Financial Goal. A few days ago, I came across some rough math that really made me sit up and think Here’s how much you need to save monthly (with ~12% compounding) to build a ~₹10 Crore corpus by the age of 60 : Start SIPs at 25 : ₹9,737 Start SIPs at 30 : ₹32,457 Start SIPs at 35 : ₹58,747 Start SIPs at 40 : ₹1,08,713 . The takeaway? Starting 10 yrs earlier is a massive edge Recently, my YouTube feed has been flooded with financial freedom and personal finance content. One podcast by PowerUp Money caught my attention. The couple they interviewed had just three mutual funds: a small-cap, mid-cap, and large-cap. Honestly, I was surprised at first. We’re always told diversification is key, but their setup worked for them. And that’s the thing, not every strategy needs to look the same. I got curious and started exploring the PowerUp Money channel, and that’s when I discovered their app. It calculates your retirement age and shows you how much money you’ll need to hit your goals. So, I tried it out. My retirement age? 48. Not bad, but retiring even sooner (financially, at least) sounds like a dream. Since then, I’ve been taking my finances way more seriously - talking to mentors, some CA friends about building a better investment strategy. It’s crazy how small steps can make such a big difference when you’re planning long-term. Just like in chess, how a pawn turns into a queen with the right moves! A big shoutout to Prateek Jindal and the team at PowerUp Money for creating such insightful and relatable content. P.S. If you’re curious about your retirement age or need clarity about your financial goals, check out their app. It’s genuinely helpful! 🎯 #India #business #finance #wealth

In this era of digital transformation, I'm intrigued by Jaguar's radical rebranding that's setting social media ablaze. As a media observer, this one stands out for being brazenly different. What caught my attention: * A launch campaign with zero cars - just models and abstract phrases like "create exuberant" * A completely reimagined logo mixing uppercase and lowercase letters * A bold pivot to all-electric by 2026 What fascinates me most is how this campaign shatters every luxury car marketing rule: - No glamorous vehicle shots - No performance specs - No automotive elements Just pure disruption. Ofcourse if the change is only in the logo then it's disastrous. A change in the look and feel of the cars, different positioning and communication then the campaign will really be more effective. The heated reactions are telling - from Elon Musk's "Do you sell cars?" to widespread industry debate. While immediate reactions are critical, remember when Apple dropped their rainbow logo? The outrage was similar. As someone tracking media trends for years, I've learned that generating conversation - even if initially negative - often proves more valuable than playing it safe. Here's to brands that dare to "Copy Nothing"! #branding #automotiveindustry #marketing #innovation #electricvehicles

Congratulations to Devendra Fadnavis on his big win in Maharashtra! Next is the moment everyone has been waiting for - who will be the next CM of Maharashtra? I personally have admired Devendra Fadnavis’ Era (2014-2019): ✔️Infrastructure projects worth ₹5.96 lakh crore initiated ✔️Mumbai Metro network expansion from 11.4 km to 251 km planned ✔️Samruddhi Mahamarg: 701 km expressway connecting Mumbai-Nagpur ✔️FDI inflow increased by 20% year-on-year ✔️Farmer loan waiver worth ₹34,000 crore Key Economic Indicators in his era: ➡️ GSDP Growth: 7.5% (2014) → 8.7% (2019) ➡️ Per capita income: ₹1.47 lakh → ₹ 1.91 lakh ➡️ Urban development budget: ₹6,169 cr → ₹23,000 cr ➡️ Agriculture growth rate: 0.5% → 3.1% Do you think Maharashtra will also face the same fate like Bihar did with Nitish Kumar?

Advertising done right by KFC India! Came across this cool video where their "Taste The Epic" campaign introduces an iconic menu and highlights symbols of boldness, celebrating finger-licking snacks » taking you to a world beyond food. Storytelling at its finest, a campaign that doesn’t settle, because neither does its audience. Definitely a fresh and epic feel. #TasteTheEpic #marketing #KFC #consumers

Back in 2017, my father switched from his 17-year-old BSNL connection to Jio at that time, Jio was the buzz, offering the cheapest rates and changing the way we used mobile data. But here we are, in 2024, and my father just got himself a BSNL SIM again. This isn’t just his story. It’s part of a larger shift happening quietly across India. 📌BSNL or Bharat Sanchar Nigam Limited is a state owned telecom operator, foundations for which were laid in British India and came i operation in 2000. Once considered a relic of the past, is making a comeback. With its 5G rollout set for 2025, it is turning heads with its competitive pricing: 📍 A yearly BSNL plan for 2GB/day costs ₹2395 for 395 days, compared to Jio or Airtel’s ₹3599 for 365 days. 📍 Even on minimum recharge plans, BSNL offers options ranging from ₹107 to ₹199, while Jio, Airtel, and VI start at ₹189. 📌 The result? 📍BSNL’s market share has edged up from 7.33% in June 2024 to 7.59% in July 2024. Small gains, but significant nonetheless. 📍 While Jio and airtel still dominate with 482M and 390M subscribers respectively, this movement shows an interesting trend: over 11 million Jio users discontinued their subscriptions when tariffs were revised. BSNL may not dent the profits of the big players just yet, but it’s certainly winning back loyalty. For many Indians, this is not just about data plans—it is a story of revisiting old connections, quite literally. Is BSNL truly on the path to resurgence, or is this just a passing wave? What do you think? #business #india #telecom #jio

India's logistics sector is transforming faster than ever, creating a $150B opportunity! • 2023: $200 billion market • 2025: projected to reach $300 billion • Contributing 14% to India's GDP vs global average of 8-10% ✔️ Key Growth Drivers: 1. E-commerce boom: 1.2 billion packages delivered annually 2. GST implementation leading to warehouse consolidation 3. Government's National Logistics Policy targeting cost reduction to 8% of GDP 4. Rising consumer demand for same-day deliveries 5. Technology adoption in supply chain management ✔️ Market Evolution: • 2015: Traditional warehousing dominated • 2023: Tech-enabled dark stores processing orders in minutes ➡️ Growth in warehouse sizes: 20,000 sq ft → 500,000+ sq ft ➡️ Cold chain infrastructure growing at 15% CAGR ✔️ Investment Opportunities: • Warehouse Automation • Cold Chain Infrastructure • Dark Store Networks • Sustainable Packaging • Supply Chain Technology Watch our latest discussion on all of the above in detail as we explore logistics as a sunrise sector for investments on Radically Yours’ channel featuring Ratna M. of Fundalogical Ventures & Dinesh Tiwari of BroadPeak Capital: https://lnkd.in/dizWKvyT

In this era of data-driven marketing, I was struck by Mercedes-Benz's brilliant demonstration that sometimes the simplest ideas make the biggest impact. I recently revisited their iconic 'chicken' campaign for Magic Body Control suspension, and I'm still amazed by its genius: * Instead of drowning viewers in technical jargon, they used dancing chickens set to Diana Ross's "Upside Down" * The campaign brilliantly simplified a complex feature: just as chickens keep their heads stable while their bodies move, so does the Mercedes suspension system * The results? 26 million views and engagement from audiences 20 years younger than their typical customer base What fascinates me most is how this campaign broke every conventional rule of luxury car advertising: - No sleek city shots - No winding mountain roads - No technical specifications Just pure, creative storytelling that anyone could understand and share. As someone deeply invested in media innovation, this campaign reminds me that the future of advertising lies not in bigger budgets or flashier effects, but in finding those perfect moments of connection that resonate across demographics. Sometimes the most sophisticated message can be delivered through the simplest means. Here's to brands that dare to think differently! #innovativemarketing #creativeexcellence #brandstorytelling

This village in Gujrat is Asia’s richest village! Madhapur is a village in Gujrat’s Kutch district and has a population of ~32000 people with roughly 1200 NRI families. Home to Patel community of Gujrat, these NRI families now hold deposits worth ₹7000 crores in local banks and post offices which has resulted to Madhapur being the richest village. Many residents are engaged in trading and construction businesses and are now settled across Australia, USA, UK and African nations. In India, where even today villagers struggle with basic amenities such as electricity, water, sanitation, Madhapur has 17 banks including: HDFC Bank, SBI, PNB, Axis Bank, ICICI Bank, and Union Bank among others. Even though a lot of people from Madhapur are settled abroad, they prefer keeping tgeir money in banks in Madhapur. You surely carry your homeland wherever you go! #business #wealthy

Mumbai & Delhi NCR regions combined contribute ~17% of India's GDP, but when it comes to Residential real estate volumes it nears ~70%! ✓ Residential properties/flats sold in 2023 worth >₹5 Crore in India : - Gurgaon : ~3,700 - Hyderabad : ~2,400 - Mumbai : ~2,400 - Noida : ~700 - Bangalore : ~700 - Delhi : ~700 - Pune : ~100. Just NCR & MMR are ~70% of India's luxury homes. Crores in social signals. » Majorly from ~10k ppl who can spend >₹10Cr/day. ✓ Residential properties stalled/construction halted for >12 Months (2024) in India : - Noida : ~116k - Mumbai : ~66k - Thane : ~58k - Gurgaon : ~52k - Bangalore : ~40k - Pune : ~24k - Total in India : ~430k. Just NCR & MMR are ~70% of stalled homes. Crores in home-dreams stuck. » Majorly from ~10Cr middle-class ppl earning <₹1000/day. Hyderabad: An underdog exception of quiet luxury & very few RRE defaults. Your perspective on Residential Real Estate (RRE) in Gurgaon and Mumbai? #India #realestate #business #wealth #mumbai #delhi

RBI , rate cuts and its dichotomy Woke up to the Fed cutting another 25 bps Begs the question - if indeed RBI is behind the curve ? Looking at aggregate growth in Q2 across the NSE universe and the very apparent unsecured loan crisis - we are looking at an economic slowdown in some aspects Just like price, earnings tend to have momentum too and an aggregate weakening of quarterly numbers / consumption/ NPAs is usually never a one off and will take a few quarters to recover Now , any response to a slowdown has to be either monetary or fiscal 1 - Fiscally we are maxed out and GOI has been doing all the heavy lifting in terms of capex and public spending post Covid . The only fiscal response if any, should be coming in the form of private sector capex , which has been lacklustre . 2 - Monetary response - We need to cut rates asap. The rule of thumb is that any rate cut takes 9 to 12 months to fully filter through the economy and have any impact . So a band aid now will be better than stitches a year from now . The dichotomy that the RBI faces is what I call India 1 , 2 and 3 India 1 has most of its wealth linked to assets and any marginal change in food inflation will not lead to change in quality of life . India 2 is dependent on a monthly income and any change in food inflation will have an above average impact on the monthly budget India 3 is dependent on the government for their livelihood. Food inflation will hit the hardest as incomes are anyway not increasing or not present . The dichotomy we face is to balance rates, livelihood and the electorate . #investing