#Account Aggregation in India

[anumatiaa]

Simplify Your Finances with Account Aggregation in India | Anumati

Gain control and clarity over your finances with account aggregation in India. Learn what it is, the benefits, and how it works.

[amitshuklanoida]

💡 Why Every Fintech Entrepreneur Should Understand NBFC Licensing

Starting a fintech business in India? 🇮🇳 NBFCs are your gateway to offering flexible, tech-powered services like loans 💸, digital wallets 📱, and account aggregation 🔄. In this Video, Corpbiz explains why NBFCs are vital to India’s financial future and how licenses such as NBFC Registration, P2P Lending, PPI, and Account Aggregator open endless opportunities.

💼 Let Corpbiz guide you with expert licensing and setup services.

Visit - CorpBiz website for BIS registration

#NBFCStartup #FintechIndia #NBFCRegistration #CorpbizSupport 🧑‍💼 #P2PLendingLicense #PPILicenseIndia #AccountAggregatorLicense #StartupIndia #GrowWithCorpbiz

[online-legal-advisors]

Learn about the advantages of an NBFC Account Aggregator License in India. Explore how it can help you access financial data, improve customer insights, streamline data management, and boost compliance.

[stanleyhuds]

Underwater Concrete Market Share, Demand, Growth, and Forecast 2025-2033

Global Underwater Concrete Industry: Key Statistics and Insights in 2025-2033

Summary:

The global underwater concrete market size reached USD USD 184.6 Billion in 2024.

The market is expected to reach USD 256.2 Billion by 2033, exhibiting a growth rate (CAGR) of 3.52% during 2025-2033.

North America leads the market, accounting for the largest underwater concrete market share.

Aggregates represent the largest segment due to their crucial role in providing the necessary bulk, strength, and durability for underwater concrete mixtures.

Hydropower holds the biggest market share because the construction and maintenance of dams and other hydropower infrastructure require extensive use of underwater concrete.

Ongoing advancements in underwater construction are impelling the growth of the market.

The growing demand for marine infrastructure is offering a favorable market outlook.

Industry Trends and Drivers:

Technological Advancements in Underwater Construction:

Advancements in underwater construction are boosting the market. Innovations like new concrete mixes and additives improve underwater concrete. These technologies ensure concrete stays strong against high pressure and salt. Moreover, the rise of self-compacting concrete and special admixtures is making underwater construction faster and more reliable. This not only enhances underwater structures but also cuts labor costs and project times.

Increasing Demand for Marine Infrastructure:

Demand for marine infrastructure is rising, creating a positive market outlook. Urban growth and economic expansion boost maritime trade. This, in turn, calls for better ports and harbors. Coastal cities now invest in flood defenses, seawalls, and tunnels to combat climate change effects. These projects need special underwater concrete. It must resist harsh marine conditions. Additionally, the growth of offshore oil, gas, and wind projects increases the need for reliable materials.

Government Initiatives and Funding:

Government initiatives and funding significantly boost market growth. Worldwide, governments are investing in infrastructure to enhance economies and tackle environmental issues. They are allocating substantial funds for coastal protections like sea walls and breakwaters against climate change. Moreover, support for offshore renewable energy projects, which need extensive underwater concrete, is also growing. In developing regions, incentives and subsidies are encouraging the use of advanced materials, including underwater concrete.

Request for a sample copy of this report: https://www.imarcgroup.com/underwater-concrete-market/requestsample

Underwater Concrete Market Report Segmentation:

By Raw Material:

Admixtures

Cement

Aggregates

Others

Aggregates represent the largest segment due to their crucial role in providing the necessary bulk, strength, and durability for underwater concrete mixtures.

By Application:

Hydropower

Marine

Shore Protection

Underwater Repairs

Tunnels

Swimming Pools

Others

Hydropower holds the biggest market share because the construction and maintenance of dams and other hydropower infrastructure require extensive use of underwater concrete.

Regional Insights:

North America (United States, Canada)

Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, Others)

Europe (Germany, France, United Kingdom, Italy, Spain, Russia, Others)

Latin America (Brazil, Mexico, Others)

Middle East and Africa

North America’s dominance in the underwater concrete market is attributed to its significant investments in marine infrastructure, coastal protection projects, and the expansion of offshore energy installations.

Top Underwater Concrete Market Leaders: 

The underwater concrete market research report outlines a detailed analysis of the competitive landscape, offering in-depth profiles of major companies. Some of the key players in the market are:

Buzzi Unicem S.p.A.

CEMEX S.A.B. de C.V.

CONMIX Ltd.

Five Star Products Inc.

Heidelberg Materials

Larsen Building Products

MUHU (China) Construction Materials Co. Ltd.

Rockbond SCP Ltd

Sika AG, Tarmac (CRH plc)

Unibeton Ready Mix (Al Fara’a Group)

Note: If you require any specific information that is not covered currently within the scope of the report, we will provide the same as a part of the customization.

About Us:

IMARC Group is a global management consulting firm that helps the world’s most ambitious changemakers to create a lasting impact. The company provide a comprehensive suite of market entry and expansion services. IMARC offerings include thorough market assessment, feasibility studies, company incorporation assistance, factory setup support, regulatory approvals and licensing navigation, branding, marketing and sales strategies, competitive landscape and benchmarking analyses, pricing and cost research, and procurement research.

Contact Us:

IMARC Group

134 N 4th St. Brooklyn, NY 11249, USA

Email: sales@imarcgroup.com

Tel No:(D) +91 120 433 0800

United States: +1-631-791-1145

[online-shopping-app-chennai]

Can I Sell Online Without GST? GST Requirements for E-commerce

In 2024, the trend of e-commerce has transformed the way people shop and businesses operate online. Whether you're selling groceries, electronic items, or running a full-fledged online store, the question of GST (Goods and Services Tax) often arises. GST is a consumption tax levied on the supply of goods and services in Chennai, Tamilnadu designed to replace various indirect taxes. 

What is GST? 

GST is a comprehensive indirect tax on online store, sale, and consumption of goods and services throughout India, aimed at simplifying the tax structure on consumers. It is mandatory for businesses whose turnover exceeds specified thresholds to register under GST and comply with its regulations. 

You Need GST for Selling Online on Shocals 

The requirement for GST registration depends primarily on your turnover and the category of your business. Here are some key points to consider for GST: 

Threshold Limits: As of the latest information available, businesses with an aggregate turnover exceeding Rs. 40 lakhs (Rs. 10 lakhs for northeastern states) in a financial year must register for GST. This turnover includes all taxable supplies, exempt supplies, exports of goods and services, and inter-state supplies. 

Inter-state Tamilnadu Sales: If you are selling goods or services to customers in different states, you are likely to exceed the turnover threshold sooner. GST registration is mandatory for businesses making inter-state supplies, regardless of turnover. 

Mandatory Registration: Even if your turnover is below the threshold, you may choose to voluntarily register for GST. This can be beneficial for claiming input tax credits on purchases and improving your business credibility. 

Selling on Shocals Partners 

If you are selling through popular Shocals Partners, you need to understand the policies regarding GST compliance. It requires sellers to provide GSTIN (GST Identification Number) during registration and ensure compliance with GST laws. 

Steps to Register for GST 

If you decide to register for GST, here's a brief overview of the registration process: 

Prepare Documents: Keep your PAN (Permanent Account Number), proof of business registration, identity and address proof, bank account details, and business address proof. 

Online Registration: Visit the GST portal (www.gst.gov.in) and fill out the registration form with required details. Upload scanned copies of documents as specified. 

Verification: After submission, your application will be verified by the GST authorities. Once approved, you will receive your GSTIN and other credentials. 

Benefits of GST Registration 

While GST compliance involves maintaining proper accounting records and filing periodic returns, it offers several advantages: 

Input Tax Credit: You can claim credit for GST paid on your business purchases, thereby reducing your overall tax liability. 

Legal Compliance: Avoid penalties and legal repercussions by operating within the GST framework. 

Business Expansion: Facilitates smoother inter-state and international sales, enhancing business opportunities. 

Conclusion 

In conclusion, while small businesses and startups may initially wonder if they can sell online without GST, understanding the thresholds and benefits of GST registration is crucial. Compliance not only ensures legal adherence but also opens avenues for business growth and competitiveness in the digital marketplace. Whether you're a budding entrepreneur or an established seller, staying informed about GST requirements will help you navigate the e-commerce landscape more effectively. 

For more details please visit - https://partner.shocals.com/

[oblivious-melodies]

Angria is based on England, but I was wondering what the real world inspirations were for the other places mentioned: Florisburg (Netherlands? Belgium?), Bassanian (Spain?), Teutonia, Gallia (France?), Empyria (Greece?), Aphrodis, Etruscia, Hellas, Athamania, Parthia, Elephantium (Rome?),Yafra, Eyrish (Irish?), Meuia, Athaman, Bharatine, Topaz, Bharatistan, Lydia, Laghashines, Agravanaa, Araucania, Vicuña, Port Famine, Atlantides (America?), Cambria (Scotland?), Nabataean, & Merhgarh.

Also do you have a world map like the Angria map in-game?

Hi! So these aren't intended to be absolute analogues for the real places and some creative license has been taken lol, but Florisburg is intended to resemble Amsterdam, and is the capital port city of Bassania (a rough correlate for the Benelux-type area). Teutonia, as the name might reveal, is a collection of principalities not unlike the fractured German states of the long eighteenth century (including the later Holy Roman Empire, Prussia, Austria, etc). Gallia is probably the most obvious as a parallel to (revolutionary) France, which any account of industrialising Britain really can't do without as a cultural influence! Angria itself comprises Angria Proper, but also Cambria (Wales), Eyre (Ireland), and Orca (Scotland).

Empyria actually isn't modelled on Greece (which instead is Hellas), but the Roman Empire - it's certainly the forerunner colonial empires of this period aspired to emulate. Etruscia's city states equate to Italy, including Aphrodis (Venice) and Elephantium (not Rome, but rather Syracuse, Sicily). Athamania corresponds to the Ottoman Empire, with Meuia (the city of Valletta, Malta) among its recent conquests. Yafra refers to the African continent, and Parthia to Persia/modern day Iran.

Lydia is the name given to the continent resembling Asia, as opposed to Erebia, the corollary for Europe. Most notable here is Bharatistan, an aggregate of sub-kingdoms resembling India, encroached upon by Angrian colonial efforts. The Laghashines are a local imperial power, not unlike the Mughal Empire, and their capital city is Agravana. Hyder's native Merhgarh might be roughly equated to modern-day Pakistan, whereas Nabataea comprises Egypt/Arabia (so the women assuming Hyder's ethnicity were miles off). Topaz is an interesting term - it's an exonym, not unlike the term Lascar, applied to Bharatine-adjacent migrants living in Angria.

The Atlantides are adjacent to the Americas in general, with Araucania, Vicuña and Port Famine corresponding to areas in Chile/Argentina. You may have noticed some interesting things going on with geography, though... all is not as directly recognisable as it seems, and the same goes for the history, too...

I do in fact have a world map I've mocked up for reference/consistency - it's pretty unpolished however so I won't be sharing it here, haha! Many of these names are derived from historical/alternative versions of their real-world names, or from literary references to them.

[shantitechnology]

5 Unique Benefits of ERP for Manufacturers

STERP (Shanti Technology) is one of the leading ERP software companies in India, offering comprehensive solutions for businesses in the manufacturing sector.  Among the top ERP software providers in India, STERP has emerged as a frontrunner thanks to its dedication to serving manufacturers.

The STERP ERP software has helped Indian manufacturers become more productive, automate processes that formerly required human labour, and foster a culture of collaboration.  Production scheduling, inventory management, quality control, and material need planning are just some of the ways in which this software may help businesses better meet customer needs and deliver superior products.  Researching aggregate statistics may tell you a lot about the spread of enterprise resource planning software around the world.

General worldwide statistics for ERP Software:

The worldwide enterprise resource planning (ERP) software market is valued at over $25 billion, with yearly growth of 10%–20%.

More than half (53%) of all businesses agree that ERP is a promising sector in which to invest.

From 2019 to 2026, the worldwide market for ERP software is projected to expand to $78.40 billion, a compound annual growth rate (CAGR) of 10.2%.

The defence and aerospace sectors will have the highest ERP software adoption rates by 2026.

88% of organisations say that ERP has helped their chances of success.

Among all enterprises, 62.7% favour cloud-based ERP solutions over locally hosted ones.

When it comes to using an ERP solution, about 27% of firms worry that their data would be jeopardised.

Half of all companies will soon install an enterprise resource planning (ERP) system or enhance their current one.

5 Advantages of ERP for manufacturing company in India:

1.   Streamlined Operations and Increased Efficiency:

Manufacturing enterprises in India need streamlined processes and enhanced efficiency to survive in today's competitive business environment.  One of the most important tools for accomplishing these objectives is ERP software, and STERP - an excellent ERP software company in India is the most successful.

Manufacturing companies in India need to improve their productivity and efficiency to compete in the global manufacturing market.  ERP software is a key component in achieving these goals, and STERP is the leading ERP software provider in India.

STERP understands the unique challenges faced by manufacturing facilities.  Their ERP software for factories is specifically designed to raise output quality anywhere it's implemented.

By consolidating previously siloed departments and processes, STERP's ERP software makes key business operations transparent in real-time.  The ability to step back and look at the larger picture helps manufacturers detect and fix inefficiencies and streamline processes.

2.         Enhanced Visibility and Real-time Data Insights:

When it comes to making decisions and propelling corporate success in India's dynamic and ever-expanding industrial industry, increased visibility and real-time data insights are crucial.  STERP is a leading service provider of ERP software in India, and its products help industrial companies improve their transparency and access to real-time data.

STERP provides ERP software tailored specifically for the manufacturing industry.  Better management is possible with the help of our ERP software for manufacturing company in India by centralising functions like accounting, inventory control, production, and logistics.  This connection gets rid of data silos and gives you a bird's eye view of the production process.

3.         Improved Quality Control and Compliance:

Production relies heavily on quality control and following procedures.  STERP offers exhaustive options for producers to improve quality control and conform to ever-changing regulations.

STERP, a market leader in India's enterprise resource planning software industry, understands the value of quality control.  Our manufacturing-specific ERP software features robust quality management components that enable organisations to establish and rigorously adhere to quality control standards.  It is now possible for businesses to create quality standards, set up inspection criteria, and track quality parameters continuously throughout the production cycle.

4.         Effective Resource Management and Cost Reduction:

Successful manufacturing enterprises rely on STERP's ERP for manufacturing company in India, which was developed with the specific needs of Indian manufacturers in mind.  STERP (Shanti Technology) is a well-established ERP software company in India that offers useful solutions for the industrial sector.

The top ERP software in India supplied by STERP (Shanti Technology), streamlines production scheduling, allowing firms to maximise resource utilisation and cut down on downtime.  Taking into account factors like machine capacity, workforce availability, and raw materials on hand, the software develops production schedules that optimise output and minimises downtime.

5.         Enhanced Customer Relationship Management and Service:

STERP is one of the leading ERP software companies in India because of the quality of the relationships we've built with our clients.  The robust CRM features built into STERP's ERP software for manufacturers allow for streamlined management of customer communications, preferences, and historical data.

STERP's enterprise resource planning (ERP) software helps organisations better understand their customers by highlighting their wants, needs, and buying behaviours.  With this holistic view, companies may provide customers with individualised solutions, goods, and encounters.

Final Thoughts:

For manufacturing companies in India, ERP software has certain particularly useful features.  As the industry standard for enterprise resource planning (ERP) software, STERP creates tailor-made solutions for businesses in the manufacturing sector.  ERP software opens the way for the effective administration of resources by optimising stock levels, improving production planning, and cutting costs.  Manufacturers can save money by improving their procurement processes, throwing away less, and using their resources more efficiently.  STERP is one of the top-ranked ERP software providers in India if you need ERP software for your manufacturing business.

[toucansafari]

i DETEST giving out my number out in public but out of desperation i set up a business account on one of india's manufacturer aggregator websites and i have contacted a business to help print acrylic charms and standees, I really hope it turns out well because i would be really annoyed that my number is out there and i got nothing in return -_-

[triridbilling]

Understanding HSN/SAC Codes for Indian Businesses

For any business working in the Goods and Services Tax regime in India, understanding HSN codes and SAC codes or applying them correctly is not merely a matter of fulfilling a legal requirement-it is an important aspect of ensuring bills are correctly prepared, that the right amount of tax is calculated, and GST has been properly complied with.

At first glance, these codes can appear complicated, but that is far from the truth-just like everything is based on common sense—these codes were developed with the intention that they provide uniformity and clarity in respect of classification of goods and services. Any other form of misclassification may have various consequences like levy of wrong tax, imposition of penalties, and reconciliation problems.

Tririd Biz, your trusted accounting and billing software in India, believes that GST compliance can be a little less challenging if it is clear upfront. This comprehensive guide will clarify HSN and SAC codes, show why these matters are of significance to your business, and even walk you through how our software makes managing HSN and SAC codes quite simple.

What are HSN Codes and SAC Codes?

Briefly:

HSN Code (Harmonized System of Nomenclature): These are internationally accepted classification codes for goods. The codes were evolved by the World Customs Organisation (WCO) to classify traded goods the world over systematically. In India, these codes are used in GST to assess the rate of tax applicable to different products.

Structure: While HSN codes remain international only till 6-digits, India in reality uses an HSN code of 2, 4, 6, or 8 digits depending on the turnover of the business. The more digits the code has, the finer the classification.

SAC Code (Service Accounting Code): In the same manner HSN is structured for goods, SAC codes are used to classify services. These codes are restricted to India and were developed by the Central Board of Indirect Taxes & Customs (CBIC) for service tax purposes, which were subsequently taken over by GST.

Structure: The SAC code is of 6 digits only; the initial two digits are '99' for services, and the next four digits specify the exact nature of service.

Why are HSN/SAC Codes Necessary for GST Compliance in India?

The primary reasons HSN/SAC codes are mandatory under GST are:

Uniform Classification: They ensure that goods and services are classified uniformly across India, preventing ambiguity and disputes regarding tax rates.

Tax Rate Determination: Every HSN/SAC code is linked to a specific GST rate. Using the correct code ensures you charge and pay the right amount of tax.

Invoice Generation: It is mandatory to mention the HSN/SAC code on GST-compliant invoices, especially for B2B transactions, if your turnover exceeds certain limits.

GST Return Filing: HSN/SAC-wise summary of outward supplies (sales) is required in GSTR-1, providing granular detail to the tax authorities.

Data Analysis & Policy Making: The government uses these codes to analyze trade data, understand consumption patterns, and formulate economic policies.

How Many Digits of HSN/SAC Code Do You Need to Use?

The number of digits you need to declare depends on your business's aggregate annual turnover in the preceding financial year:

For Goods (HSN):

Turnover up to ₹5 Crore: 4-digit HSN code (mandatory for B2B invoices)

Turnover exceeding ₹5 Crore: 6-digit HSN code (mandatory for all invoices)

Exports & Imports: 8-digit HSN code is generally required.

For Services (SAC):

All Turnovers: 6-digit SAC code is generally required.

(Always refer to the latest notifications from the GST portal for the most accurate and up-to-date requirements, as these thresholds can be revised.)

How to Find Your HSN/SAC Codes

Finding the right HSN/SAC code relevant to your goods or services is extremely important. Some good ways include:

GST Portal: The GST portal at times has search methods or links to official HSN/SAC code lists.

CBIC Website: Lists of HSN codes for goods and SAC codes for services are available on the Central Board of Indirect Taxes & Customs (CBIC) website.

Industry Associations: Your industry association might have compiled lists or issued guidelines for your particular industry.

Tax Consultants: A professional tax consultant will assist in determining the correct codes for your particular offerings.

Through Your Accounting Software: A good smart GST accounting software like Tririd Biz will take away a lot of these worries.

Common Mistakes to Avoid with HSN/SAC Codes

Using Wrong Codes: It is the commonest mistake, and these wrong codes can lead to wrong tax calculations, penalties, and problems for the customers in claiming ITC.

Not Updating Codes: As products or services change, or as GST rules change, always ensure your codes are up to date.

Ignoring Compulsory Requirements: Not mentioning the HSN/SAC code in the invoice, when it is required to do so, or putting in lesser digits than required, with respect to the turnover.

Confusing Goods with Services: Remember to use the HSN for goods and SAC for services.

Lack of Documentation: Failure to maintain documentation explaining the basis for assigning a certain HSN/SAC code, especially in the case of complex items.

How Tririd Biz Accounting & Billing Software Simplifies HSN/SAC Management

Managing HSN/SAC codes manually for every product and service can be tedious and error-prone, especially for businesses with diverse offerings. Tririd Biz is designed to take this burden off your shoulders:

Product/Service Master Data: Easily store and manage your products and services, each tagged with its correct HSN/SAC code and corresponding GST rate, within our software.

Automated Tax Calculation: When you create an invoice in Tririd Biz, the software automatically picks up the HSN/SAC code and applies the correct GST rate based on your master data. This minimizes manual errors.

Invoice Printing: Your GST-compliant invoices generated by Tririd Biz will automatically include the required HSN/SAC codes, ensuring you meet legal requirements.

GSTR-1 Summary: Tririd Biz helps in generating HSN/SAC-wise summaries for your GSTR-1, streamlining your return filing process.

Seamless Data Management: Update codes centrally, and the changes reflect across all relevant transactions, ensuring consistency.

By leveraging Tririd Biz, you can focus on growing your business, knowing that your GST billing and accounting are accurate and compliant with the latest HSN/SAC regulations.

Ensure Compliance, Embrace Simplicity

Understanding HSN/SAC codes is a fundamental aspect of GST compliance for Indian businesses. By dedicating time to correctly classify your goods and services and utilizing smart tools like Tririd Biz, you can ensure accuracy, avoid penalties, and simplify your entire GST filing process.

Ready to streamline your GST compliance with intelligent HSN/SAC management?

Get a Free Demo of Tririd Biz Today! Learn More About Tririd Biz GST Software Explore Tririd Biz Features

Call us @ +91 8980010210

Visit Our Website:  https://tririd.com/tririd-biz-gst-billing-accounting-software

[amitshuklanoida]

Step-by-Step Process to Obtain an NBFC License – Explained by Corpbiz Experts

Want to operate as an NBFC in India? Corpbiz presents a detailed 4-step guide to help you register NBFC easily. From forming a company with ₹2 crore NOF to RBI compliance filing, we make the process smooth. With Corpbiz professionals, say goodbye to legal worries and hello to fast approvals. Trust Corpbiz to turn your NBFC dream into reality.

💼 Schedule your free consultation now!

🔖 #NBFC #Corpbiz #LicenseGuide #StartupLegal #RBI #NBFCCompliance #FintechBusiness #IndianFinance #RegisterNow #CompanyFormation

[techit-rp]

How India’s Fintech Boom is Redefining Traditional Investment Banking

India is witnessing a financial revolution. From UPI payments in remote villages to stock trading on mobile apps, technology is transforming the way Indians interact with money. At the heart of this change is the fintech boom—a powerful wave that’s not just disrupting traditional banking, but also redefining the landscape of investment banking.

While the old-school investment banking model was once dominated by a few elite firms and face-to-face deals, today’s ecosystem is being shaped by algorithms, APIs, and agile startups. For finance professionals and aspirants, it’s a wake-up call: adapt to the digital shift or risk being left behind.

What Is Fintech and Why Is It Booming in India?

Fintech (short for financial technology) refers to the use of innovative tech to offer financial services. In India, it’s not just booming—it’s exploding. As of 2025, the country boasts over 10,000 fintech startups, with sectors like lending, insurance, asset management, and trading undergoing massive digital transformation.

What’s fueling this boom?

High smartphone penetration

Low-cost internet access

Digital-first millennial investors

Supportive regulatory policies (like account aggregation and digital KYC)

Platforms like Zerodha, Upstox, Groww, Cred, and Paytm Money have changed how people invest, save, and manage finances—making financial tools more accessible than ever before.

Traditional Investment Banking: Time for a Reboot

Traditional investment banking in India has long revolved around mergers and acquisitions (M&A), IPO underwriting, portfolio management, and corporate restructuring. These services required heavy paperwork, in-person meetings, and legacy systems.

But that’s changing fast.

Here’s how fintech is reshaping investment banking:

Automation is streamlining tasks like due diligence and risk analysis.

AI & ML are being used for predictive financial modeling and fraud detection.

Blockchain is improving transparency in transactions and settlement systems.

Digital platforms now allow SMEs to raise capital more efficiently through crowdfunding, tokenization, and online IPOs.

In short, fintech is removing friction from finance.

The Fintech-IB Collaboration: Competition or Synergy?

It’s not just a disruption—it’s also a collaboration. Many investment banks are now partnering with fintech startups to deliver faster, smarter, and more client-centric services.

For example:

Major banks are using AI-driven platforms to assess deal risks.

Wealth management firms are deploying robo-advisors for HNIs.

Digital KYC tools are enabling seamless onboarding of corporate clients.

These synergies mean that professionals in investment banking are expected to understand both finance fundamentals and fintech frameworks.

What This Means for Career Aspirants

In this new era, financial expertise alone isn’t enough. Investment bankers are now expected to:

Understand data analytics and financial modeling software

Evaluate blockchain-based fundraising (e.g., tokenized assets)

Collaborate with tech teams to build scalable solutions

This is where a well-rounded Investment banking course in Bengaluru comes in.

Why Choose an Investment Banking Course in Bengaluru?

Bengaluru isn’t just India’s tech capital—it’s quickly becoming a fintech and finance learning hub. With a blend of top educational institutions, global banks, and innovative startups, the city offers a dynamic ecosystem for finance professionals.

An advanced Investment banking course in Bengaluru will help you:

Learn traditional IB concepts like equity research, M&A advisory, and IPO structuring

Gain exposure to fintech innovations such as digital lending, AI in finance, and blockchain in capital markets

Network with experts from both finance and tech industries

Plus, many institutes in Bengaluru offer hands-on projects and case studies from real fintech firms, preparing you for the digital shift in investment banking.

The Future of Investment Banking Is Hybrid

The divide between traditional investment banking and fintech is quickly disappearing. The next generation of bankers will need to be hybrid professionals—equally fluent in capital markets and coding, balance sheets and blockchain.

As India’s fintech market is expected to reach $1.5 trillion by 2030, the demand for digitally savvy investment bankers is only going to grow.

Whether you’re a student, a finance graduate, or a working professional looking to pivot your career, now is the time to upskill. And enrolling in an Investment banking course in Bengaluru could be your launchpad into this exciting, tech-powered future.

Final Thoughts

India’s fintech boom isn’t just a trend—it’s a transformation. It’s changing how companies raise capital, how investors make decisions, and how deals are executed. Investment banking, once a world of power suits and conference rooms, is now driven by platforms, dashboards, and data.

Are you ready to be part of the change?

If you’re passionate about finance and curious about technology, the fintech-powered investment banking landscape has plenty of opportunities for you. Just make sure you’re equipped—with the right skills, the right knowledge, and the right education.

[shumailamj]

How to Register for CMA Inter December 2025: Complete Guide

How to Register for CMA Inter December 2025: Complete Guide

If you're planning to advance your career in cost and management accounting, how to register for CMA Inter December 2025 should be your immediate focus. The Institute of Cost Accountants of India (ICMAI) has opened the registration for the December 2025 term, setting July 31, 2025 as the last date to apply. Missing this deadline could push your CMA journey back by six months.

This comprehensive guide will walk you through every aspect of the CMA Intermediate registration 2025 process—from eligibility and steps to register to fees, exam pattern, and preparation tips.

Why You Should Register Early

Registering early doesn’t just secure your seat for the exam—it gives you a significant head start in preparing. The CMA Intermediate level is a critical stage where theory meets practice. Topics like cost accounting, taxation, and financial management are covered in depth, making it a vital stepping stone to becoming a Certified Management Accountant.

Moreover, an early registration helps you plan your studies efficiently. You’ll have enough time to cover the syllabus, revise thoroughly, and practice mock tests, increasing your chances of clearing the exam on the first attempt.

Who Is Eligible for CMA Intermediate?

Before understanding how to register for CMA Inter December 2025, ensure you meet one of the following eligibility criteria:

Passed CMA Foundation or CAT Level I

Completed the first four semesters of an undergraduate degree

Graduated or post-graduated from a recognized university

Cleared CA IPCC or CS Foundation exams

Hold equivalent international qualifications like ACCA or CIMA

The course is open globally—including for students in places like Dubai, Bahrain, and Muscat. Also, there’s no age limit, allowing passionate learners from all walks of life to apply.

Step-by-Step: How to Register for CMA Inter December 2025

Let’s explore how to register for CMA Inter December 2025 in a clear and error-free manner:

Visit the Official Website: Head over to www.icmai.in.

Access the Student Section: Click on “Students” and then choose “Intermediate” under the registration tab.

Fill the Online Form: Enter your personal and academic information accurately.

Upload Required Documents: Attach scanned and self-attested copies of your 10th and 12th marksheets, graduation certificate (if applicable), ID proof, and a passport-sized photo.

Make the Payment: Use debit card, credit card, UPI, or net banking to pay the registration fee.

Save Confirmation: Download and keep the acknowledgment slip and email confirmation for future use.

Ensuring your documents are clear and complete will help avoid unnecessary delays in your application.

CMA Intermediate Registration 2025: Fee Structure

Understanding the fee structure is essential before proceeding with CMA Intermediate registration 2025. The total course fee is ₹23,100, applicable to both oral and postal modes. ICMAI also allows installment payments:

First Installment: ₹12,000

Second Installment: ₹11,100

To appear in the December 2025 exam, you must pay the full fee before the registration deadline. Partial payments after July 31, 2025, will not make you eligible for the exam.

CMA Inter Exam Pattern and Validity

The CMA Intermediate exam consists of two groups, each with four papers:

Group 1:

Financial Accounting

Business Laws & Ethics

Cost Accounting

Direct & Indirect Taxation

Group 2:

Corporate Accounting & Auditing

Financial Management & Business Data Analytics

Operations & Strategic Management

Management Accounting

Each paper is worth 100 marks and lasts three hours. To pass a group, candidates must secure at least 40% in each paper and 50% in aggregate.

Registration remains valid for seven years. If you don’t clear both groups within this period, you must re-register through DE NOVO by paying ₹5,000. However, this option is available only once, so efficient planning is key.

Smart Preparation Tips for December 2025 Attempt

Since you've understood how to register for CMA Inter December 2025, your next move should be preparing effectively. Begin early and maintain consistency. Divide the syllabus into weekly goals, take frequent mock exams, and revise regularly.

Use online tools like YouTube lectures, coaching platforms, and student forums to enhance your understanding. Practicing past year papers and attempting mock exams can greatly improve your confidence and performance.

Also, keep a close eye on the CMA portal for any updates regarding exam patterns or dates.

Final Thoughts

Your CMA journey can gain serious momentum if you act now. Knowing how to register for CMA Inter December 2025 is the first—and arguably most important—step. From meeting eligibility criteria and completing payment to following a disciplined study schedule, every action counts.

With CMA Intermediate registration 2025 officially underway, don’t wait until the last moment. Get registered before July 31, 2025, and start preparing for a successful and rewarding career in cost and management accounting.

Let this be the year you commit to your goals and take a decisive step toward becoming a Certified Management Accountant.

[freglin396]

Real Estate Development Management Company in Bangalore: Shaping the Future of Urban Growth

Bangalore, known as the Silicon Valley of India, has experienced exponential growth over the past two decades. With rising demand for residential and commercial properties, there's a growing need for professional expertise in managing and executing real estate projects. This is where a Real Estate Development Management Company in Bangalore plays a transformative role—by guiding the process from land acquisition to project handover, ensuring seamless execution and optimal ROI.

Among the many companies in this domain, Arisunitern stands out for its comprehensive approach, ethical practices, and unmatched professionalism.

The Role of Development Management in Modern Real Estate

Development management is the backbone of any successful real estate venture. A Real Estate Development Management Company in Bangalore is not just a consultant—it acts as a strategic partner, representing the developer's interests throughout the lifecycle of a project. From feasibility analysis and regulatory approvals to design coordination and construction oversight, development managers add structure and efficiency to complex projects.

This approach is especially vital in large-scale ventures like plotted development in Bangalore, where multiple stakeholders, zoning regulations, and infrastructural planning demand expert coordination and foresight.

Why Arisunitern Is a Game-Changer

Arisunitern is redefining the landscape of real estate development through a holistic, data-driven, and client-focused methodology. As a leading Real Estate Development Management Company in Bangalore, Arisunitern integrates deep local knowledge with global standards of project execution.

Here’s what sets them apart:

Strategic Land Planning: They help clients identify the best opportunities for plotted development in Bangalore, ensuring maximum land utility and legal compliance.

Regulatory Expertise: With their in-depth understanding of Karnataka’s real estate laws and BBMP norms, Arisunitern fast-tracks approval processes.

Transparent Process Management: From budgeting to vendor selection, every step is monitored and reported with absolute clarity.

Innovation & Sustainability: The company emphasizes green building practices, smart layout design, and sustainable infrastructure development.

Arisunitern’s ability to bridge the gap between investors, landowners, and end-users makes them a trusted partner in plotted development in Bangalore.

Understanding Plotted Developments: A Rising Trend

The concept of plotted development in Bangalore has gained traction due to its flexibility, lower entry costs, and potential for high returns. These projects involve developing land into individual plots with basic infrastructure like roads, sewage, electricity, and water connectivity. Buyers can then build homes based on personal preferences.

This model appeals especially to first-time homeowners and investors seeking long-term gains. A well-planned plotted development in Bangalore allows for custom-built homes while ensuring a community living experience with amenities and security.

However, executing such projects demands expertise in land aggregation, layout design, and municipal compliance—which is exactly what a Real Estate Development Management Company in Bangalore like Arisunitern delivers.

Comprehensive Services by Arisunitern

What makes Arisunitern a standout Real Estate Development Management Company in Bangalore is their end-to-end project management approach. Their services include:

Land Identification & Acquisition

Feasibility Studies & Market Analysis

Development Planning & Approvals

Project Financing & Fund Management

Vendor & Contractor Coordination

Construction Oversight & Quality Assurance

Sales & Marketing Strategy Support

Each step is governed by clear timelines, cost transparency, and accountability. Their proven track record with plotted development in Bangalore reflects their reliability and competence in handling large-scale residential projects.

Investing in Bangalore’s Growth

As Bangalore continues to expand, suburbs and Tier-II zones like Devanahalli, Sarjapur, and Kanakapura Road have become hotbeds for plotted development in Bangalore. These areas offer the dual benefit of strategic location and affordable pricing. With the government's push for infrastructure upgrades—like metro connectivity and peripheral ring roads—these regions are expected to see exponential growth.

A seasoned Real Estate Development Management Company in Bangalore like Arisunitern is instrumental in identifying these emerging zones and converting land into high-value plotted communities.

Why Choose Arisunitern?

When it comes to choosing the right Real Estate Development Management Company in Bangalore, credibility, vision, and execution capability matter most. Arisunitern brings all three to the table. Their projects are known for:

Timely Delivery

Superior Infrastructure

Strategic Locations

Clear Legal Titles

High Resale and Rental Potential

Whether you’re an investor, a landowner, or a developer, partnering with Arisunitern ensures your vision is executed with precision and profitability.

Their expertise in plotted development in Bangalore has not only helped shape neighborhoods but also empowered countless families to build their dream homes on legally clear, well-planned land parcels.

Final Thoughts

The need for professional development managers in real estate is no longer a luxury—it’s a necessity. A reputable Real Estate Development Management Company in Bangalore like Arisunitern offers the strategic guidance, technical skill, and market insight needed to deliver successful real estate ventures.

With increasing demand for customized housing and a thriving interest in plotted development in Bangalore, now is the time to engage experts who can maximize land value while minimizing project risks.

If you're considering a real estate investment or planning a new development project, partnering with Arisunitern could be your smartest move.

[rakeshjha1996]

GST Compliance in India: Complete Guide for Businesses

Goods and Services Tax (GST) is a unified indirect tax that has transformed the Indian taxation system. But with its dynamic framework and frequent updates, staying compliant is not just mandatory—it’s a competitive advantage.

This guide breaks down everything you need to know about GST compliance, its applicability, key processes, penalties, and answers to common questions.

What is GST Compliance?

GST compliance refers to timely and accurate adherence to all GST rules, regulations, and filing requirements under the Goods and Services Tax law. It ensures that a business:

Files returns on time

Reconciles input and output tax correctly

Issues valid tax invoices

Complies with e-invoicing and e-way bill norms

Avoids penalties, interest, and departmental notices

Who Needs to Be GST Compliant?

Businesses are required to register under GST and follow compliance provisions if they meet any of the following conditions:

Criteria

Threshold (as of current rules)

Aggregate Turnover (Goods - Normal)

₹40 Lakhs (₹20 Lakhs in special category states)

Aggregate Turnover (Services)

₹20 Lakhs (₹10 Lakhs in special category states)

Interstate supply or e-commerce

Mandatory registration irrespective of turnover

Casual taxable person / Input Service Distributor / Non-resident taxable person

Mandatory GST registration

Key Components of GST Compliance

1. Return Filing

GSTR-1 – Monthly/quarterly outward supply return

GSTR-3B – Summary return of outward and inward supplies

GSTR-9 – Annual return

GSTR-9C – Reconciliation statement (if applicable)

2. Reconciliation

Matching books of accounts with GSTR-2A/2B, GSTR-1 vs 3B

Identifying mismatches in ITC and outward tax liability

3. Input Tax Credit (ITC) Optimization

Availing eligible ITC under Section 16 of CGST Act

Ensuring suppliers have filed GSTR-1

Reversals under Rule 42, 43, or ineligible ITC

4. E-Invoicing & E-Way Bill

Mandatory for businesses with turnover > ₹5 Cr (e-invoicing)

Ensuring movement of goods is supported by valid E-Way Bills

5. Registration & Amendments

Timely registration of business

Updating PAN, address, authorized signatories on GST portal

6. Responding to Notices

Proper documentation & timely reply to notices (like DRC-01, ASMT, etc.)

Avoiding litigation through proactive compliance

Why GST Compliance is Crucial

Avoids Penalties & Interest Delayed or wrong filings attract heavy fines and interest.

Ensures Seamless ITC Flow Non-compliance by your supplier can block your input credit.

Enhances Business Reputation Clean compliance record builds trust with clients, vendors & authorities.

Prepares You for Audits & Assessments Ensures you're ready for GST audits or departmental scrutiny.

Penalties for Non-Compliance

Nature of Default

Penalty

Late filing of returns

₹50/day (₹20/day for Nil returns)

Wrong ITC claim

Interest + Penalty under Sec 73/74

Not issuing invoice

₹10,000 or amount of tax evaded (whichever higher)

Not registering under GST

100% tax due or ₹10,000 (whichever higher)

FAQs on GST Compliance

Q1. What are the due dates for GST return filing?

GSTR-1: 11th of the next month / quarterly (IFF)

GSTR-3B: 20th, 22nd, or 24th depending on state

GSTR-9: 31st December following the financial year

Q2. Is GST applicable to freelancers and consultants?

Yes. If your income exceeds ₹20 lakh (₹10 lakh in special category states), GST registration is mandatory for service providers.

Q3. Can I claim ITC if the supplier hasn’t filed GSTR-1?

No. As per Rule 36(4), ITC can only be claimed if it appears in GSTR-2B, which is populated from supplier’s GSTR-1.

Q4. Is GST applicable to export of services?

Export of services is treated as zero-rated supply under GST, but you must file LUT or claim refund of ITC or IGST.

Q5. What is the penalty for wrong ITC claim?

If claimed in good faith – interest @18% p.a. If found fraudulent – 100% penalty + prosecution under Section 74.

Final Word

GST compliance is not just about return filing. It’s about building a robust tax governance system that aligns with changing regulations, prevents revenue leakage, and keeps your business audit-ready.

With ever-increasing departmental scrutiny and real-time data integration, staying compliant is a business necessity.

[jain2580]

LAP Loan in 2025 – Apply Online with Minimum Documents, Best Rates & Zero Income Proof Needed

Start Fresh: Why LAP Is the Secret Tool for Big Needs in 2025

In 2025, whether you’re a salaried employee planning a wedding or a self-employed entrepreneur needing urgent funds for business expansion, Loan Against Property (LAP) has become one of the most trusted, secure, and fast financing options across India. With rising expenses and financial emergencies becoming unpredictable, turning your owned property into instant working capital has never been easier.

But how do you check eligibility for a loan against property, what are the processing fees, how do rates vary for salaried vs self-employed individuals, and which banks offer the lowest LAP interest rates?

What is a Loan Against Property (LAP)?

A Loan Against Property (also called LAP loan) is a secured loan where you mortgage your residential, commercial, or industrial property with a bank/NBFC and get funds in return, without selling the asset.

It’s suitable for:

Salaried professionals looking for wedding, education, or medical funds

Business owners or freelancers seeking working capital or expansion cash

Unlike personal loans, loan against property in India offers a much lower interest rate, higher loan amount, and longer repayment tenure, making it a popular choice in 2025.

Top Features of Loan Against Property in India 2025

LAP Eligibility & Documents Required (Salaried vs Self-Employed)

Loan Against Property Eligibility and Documents for Salaried Individuals

Age: 21 to 60 years

Minimum Salary: ₹25,000/month

Documents:

PAN, Aadhaar

Latest 3 months' salary slips

6 months’ salary account bank statements

Form 16 / Income Tax Returns

Property ownership papers

Suppose you're applying for a loan against property for medical expenses or a wedding. In that case, some lenders offer special-purpose-based loan against property (LAP) schemes with reduced processing fees and flexible tenures.

How to Apply for a Loan Against Property for Self-Employed Individuals

Age: 25 to 65 years

Minimum Business Turnover: ₹10 lakhs+ per annum

Documents:

PAN, Aadhaar

ITRs of last 2-3 years

GST returns (if applicable)

Bank statements (1 year)

Business proof (registration, license)

Property documents

Tip: To ensure smooth approval, approach a LAP loan legal associate who can help vet your documents and speed up the process.

Loan Against Property Fees and Charges – Salaried vs Self-Employed

Before applying, it’s crucial to understand the loan against property processing fee and other hidden charges involved. Here’s a quick comparison:

Note: Always request a full fee breakup while applying to avoid surprises.

Loan Against Property ROI Comparison 2025 – Who Offers the Lowest Rates?

Here’s a snapshot of the loan against property interest rates comparison across top banks/NBFCs in India:

Who Should Consider a Loan Against Property in 2025?

For Salaried Individuals:

For Wedding: LAP offers a stress-free way to fund grand weddings without dipping into savings.

For Medical Emergencies: Quicker than insurance claim settlements.

For Education: Long-term loans at low rates for higher studies.

For Self-Employed Individuals:

Business Expansion: Raise ₹50L–₹7 Cr for stock, infrastructure, or new branches.

Working Capital Needs: LAP gives better ROI than unsecured business loans.

Asset Management: Leverage property value without losing ownership.

How to Get an Easy Loan Against Property (2025 Process Guide)

Choose a lender based on your eligibility (check ROI, fees, documents).

Apply online via the lender’s portal or loan aggregator sites.

Submit documents as per your profile (salaried/self-employed).

Property valuation & legal verification is done.

Loan sanctioned within 3–7 days (sometimes faster for pre-approved customers).

For a fast loan against property, choose lenders with digital KYC and pre-approved offers.

Top 5 FAQs – Loan Against Property India 2025

1. What is the processing fee for LAP in 2025?

Processing fees range from 0.25% to 1.5%, depending on the lender and applicant type (salaried or self-employed).

2. Can I apply for a LAP loan without income proof?

Yes, some NBFCs allow a loan against property without income proof, especially if you have a high-value asset and a strong repayment history.

3. Is LAP suitable for medical or wedding expenses?

Absolutely! Many lenders now offer purpose-based LAP loans specifically for medical emergencies or weddings with flexible terms.

4. What is the meaning of Salaried LAP?

Salaried LAP refers to LAP loans given to salaried individuals based on their salary income and property value.

5. How do I compare a loan against property interest rates?

Use an online loan against property ROI comparison tool or consult a legal associate to find the best rate based on your profile.

Final Words: Turn Your Property into Power in 2025

A Loan Against Property (LAP) isn’t just a loan—it’s a financial unlock for your goals. Whether you’re dreaming of a perfect wedding, overcoming a medical emergency, or scaling your business, your property holds the solution.

With the right documents, awareness of processing fees, interest rates, and eligibility, you can secure a fast, low-cost loan in just days, without selling your asset.

[cafoundationclassesinpune]

ICAI CA Foundation: Your Gateway to a Chartered Accountancy Career

Introduction to ICAI CA Foundation

So, you’ve heard of CA, right? The prestigious Chartered Accountant title that’s synonymous with success, stability, and serious brainpower. But before the CA designation comes the first stepping stone: the ICAI CA Foundation. It’s where your journey begins—simple, but powerful.

What is the ICAI CA Foundation Course?

Think of the CA Foundation as the passport to your CA career. It’s the entry-level exam conducted by ICAI (Institute of Chartered Accountants of India), designed to test your basics in accounting, law, mathematics, and economics. If you want to become a Chartered Accountant, this is your launchpad.

Why Choose CA as a Career?

Let’s be honest—CA is one of the most respected professions in India. Whether it’s auditing, taxation, or financial consulting, CAs are always in demand. Plus, it's a career that combines job security, prestige, and handsome packages.

Importance of the CA Foundation Level

Think of the CA Foundation as the roots of a giant tree. If your roots are strong, the branches (future CA levels) will hold up just fine. The foundation course introduces the core concepts that shape your understanding throughout the entire CA journey.

Eligibility Criteria for CA Foundation

Who Can Apply?

If you're a Class 12 student or pass-out, you're eligible. Even if you're from any stream (Commerce, Science, or Arts), you can register after completing your 12th grade.

Registration Process with ICAI

The registration is done through the ICAI official website. You’ll need:

A valid email ID

Passport-size photo

Scanned Class 10 and 12 documents

Once you register, you’ll get access to the CA Foundation books and study material from ICAI.

CA Foundation Books and Study Material

ICAI-Recommended Books

ICAI provides you with detailed CA Foundation books for each subject after registration. These are gold and 100% exam-oriented.

Best Reference Books for Self-Study

Looking for extra practice? Try:

T.S. Grewal for Accounting

Padhuka for Law

R.D. Sharma for Math revision

Sanjay Saraf for Economics (optional)

How to Prepare for the CA Foundation Exam

Study Plan Strategy

Here’s a tip: divide your day into 3 focused slots. One theory subject in the morning, one practical in the afternoon, and one revision/mocks in the evening.

Tips to Stay Focused

Ditch your phone while studying.

Use Pomodoro (25 mins study, 5 mins break).

Make colorful notes for visual memory.

Exam Pattern and Marking Scheme

Paper-Wise Format

Paper 1 & 2: Subjective, 100 marks each.

Paper 3 & 4: Objective (MCQ-based), 100 marks each.

Negative marking of 0.25 for MCQs.

Passing Criteria

You need:

40% in each paper

50% overall aggregate

Why Choose Unique Academy for Commerce?

You could self-study, yes. But why not get an edge?

Expert Faculty and Mentors

At Unique Academy for Commerce, you're guided by rank-holding CAs, not just regular teachers.

Student-Centric Learning Environment

They provide:

Doubt-solving sessions

Personalized mentoring

Regular performance tracking

Proven Results and Success Stories

Hundreds of students from Unique Academy crack CA Foundation every year with top ranks. Could you be next?

Career Path After CA Foundation

What Comes After Foundation?

Once you clear the Foundation, your next milestones are:

CA Intermediate

Articleship (3 years)

CA Final

Future Scope of CA in India and Abroad

You can work in:

Multinational firms

Government audits

Entrepreneurship

Global finance roles in countries like UAE, UK, and Australia

Conclusion

To sum it up—ICAI CA Foundation isn’t just an exam. It’s your first handshake with a career filled with respect, responsibility, and rewards. With the right prep, the right guidance, and the right mindset (and maybe a little caffeine), you can ace it. And if you're looking for a launchpad, Unique Academy for Commerce is where dreams turn into degrees.