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Music has been an integral part of human evolution, not merely as a form of entertainment but as a tool for communication, social bonding, and survival. Over millennia, humans have used music to express themselves, forge connections, and adapt to their ever-changing environments. Its influence on human development is profound, shaping the way we think, interact, and even survive. The Beginnings of Musical Expression The earliest humans likely discovered music through the rhythms of nature. The steady beats of rainfall, the rustling of leaves, and the calls of animals may have inspired humans to mimic these sounds. Simple actions like clapping hands, stomping feet, or striking objects created the first rhythmic patterns. These primitive sounds laid the groundwork for the development of musical instruments and the structured compositions we know today. Music as Communication Before the advent of language, music played a crucial role in communication. Vocalizations with varying pitches, t...

Shares of Poonawalla Fincorp Ltd witnessed a significant rise of over 3% on January 6, 2025, as the company released its impressive third-quarter performance report for FY25. The financial update revealed strong growth in assets under management (AUM) and disbursements, which fueled investor optimism. Key Highlights from the Third Quarter Performance Steady Growth in Disbursements In its latest stock exchange filing, Poonawalla Fincorp reported total disbursements of ₹7,150 crore for the third quarter, reflecting a 13.3% growth quarter-on-quarter from ₹6,313 crore. This steady increase underscores the company’s commitment to expanding its lending operations. Impressive Growth in AUM The company’s AUM reached ₹30,950 crore as of December 31, 2024, marking a substantial 41% year-on-year growth. On a quarterly basis, AUM rose by 9%, signaling consistent operational scaling and effective credit management strategies. Ample Liquidity Position With a liquidity reserve of ₹4,800 crore as of ...

January brings with it a sense of new beginnings. After the festivities of the holiday season, it’s a time when many of us reflect on the past year and set goals for the one ahead. The crisp air, the quieter atmosphere, and the feeling of possibility that comes with the start of a new year create an energy unlike any other. Why January Feels Different Unlike any other month, January feels like a clean slate. The world seems to slow down after the hustle and bustle of December. Whether it’s the cooler weather or the break from holiday chaos, January gives you a chance to breathe and think. It’s a time for setting intentions and finding new ways to approach life. People are often more motivated to begin fresh, whether it’s by pursuing new fitness goals, learning a new skill, or committing to healthier habits. The January Reset January is an ideal time for personal reflection. After the holiday season, you can take a moment to step back, assess where you are in life, and decide where you ...

In a world that celebrates constant productivity, the idea of doing nothing feels almost rebellious. But every now and then, stepping back from the hustle and allowing yourself to simply be can be one of the most rewarding experiences. Doing nothing isn’t about laziness—it’s about creating space to recharge, reflect, and reconnect with yourself. Why We Struggle with Doing Nothing We live in a culture that equates busyness with success. From endless to-do lists to the pressure of multitasking, it feels like there’s always something demanding our attention. Even during moments of rest, many of us feel guilty or anxious, worrying about what we’re not doing. This mindset often stems from the fear of being left behind or the belief that our worth is tied to our achievements. But the truth is, constantly being “on” isn’t sustainable. Without moments of pause, we risk burnout and lose the ability to truly enjoy life. The Benefits of Doing Nothing Mental Clarity When your brain isn’t preoccu...

As a banking professional, I find it fascinating to track how Non-Banking Financial Companies (NBFCs) operate. Their growth strategies often provide insights that banks can learn from, especially when it comes to metrics like Assets Under Management (AUM) and disbursements. These numbers tell a lot about a company’s market reach, operational efficiency, and risk management capabilities. What is AUM, and Why Does It Matter? AUM, or Assets Under Management, represents the total value of assets that an NBFC manages for its customers. It’s a key measure of growth and market presence. When an NBFC reports rising AUM, it means they’re lending more and expanding their customer base. Unlike banks, which often have stricter lending criteria, NBFCs tend to be more flexible and focus on specific niches like housing finance, personal loans, or vehicle financing. This allows them to cater to underserved markets, contributing to steady AUM growth. NBFCs Excelling in AUM Growth Some NBFCs have consis...

Stress is a constant companion for many of us, whether it stems from work, relationships, or daily responsibilities. While a little stress can motivate us, too much of it can take a toll on our mental and physical health. The good news? Small, everyday habits can help you manage stress effectively and bring balance to your life. Start Your Day Right Mornings set the tone for the rest of the day. Begin with simple practices like stretching, meditation, or sipping your favorite tea mindfully. A few deep breaths can help you feel centered and better prepared to face the challenges ahead. Prioritize Your Tasks Feeling overwhelmed often comes from trying to juggle too many things at once. Start by writing a to-do list and focus on one task at a time. Tackling smaller tasks first can build momentum, while breaking larger projects into manageable steps reduces anxiety. Move Your Body Exercise isn’t just about staying fit—it’s one of the best stress relievers out there. Whether it’s a brisk wa...

For someone new to the world of investing, understanding where to start can feel overwhelming. Stocks go up and down, mutual funds need research, and savings accounts often give you less than inflation. Enter Non-Convertible Debentures (NCDs) —an option that’s straightforward, secure, and offers fixed returns. Recently, a financial services firm announced it would raise Rs 190 crore through NCDs. Let’s break down what this means and how it could fit into your investment journey. What Are NCDs? Think of NCDs as a way for companies to borrow money directly from people like you and me instead of going to a bank. In return, they promise to pay interest at a fixed rate, much like a loan. What makes these NCDs unique is that they’re backed by company assets, making them more secure. Here’s the exciting part: the NCDs being offered here have a coupon rate that’s 2% higher than the market benchmark. So, instead of leaving your money idle in a savings account, you could earn better returns with...