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Health insurance for senior citizen over 65 years: The Insurance Regulatory and Development Authority of India (IRDAI) has removed the age limit of 65 years for individuals purchasing health insurance policies in order to broaden the market and promote adequate protection against healthcare expenses. This move by the insurance regulator represents a departure from the traditional constraints that prevented individuals from obtaining comprehensive coverage.&nbsp;

By eliminating the maximum age limit for purchasing health insurance plans, IRDAI hopes to foster a more inclusive and accessible healthcare ecosystem, ensuring adequate protection against unexpected medical expenses.

Earlier, individuals could only purchase a new insurance policy till the age of 65, but with the new set of rules in place from April 1, anyone, regardless of age, can buy a new health insurance policy.&nbsp;

In a recent gazette notification, IRDAI said, "insurers shall ensure that they offer health insurance products to cater to all age groups. Insurers may design products specifically for senior citizens, students, children, maternity, and any other group as specified by the Competent Authority."

Also, insurers have been told to offer health policies to individuals with pre-existing medical conditions of any kind.

<h2> 
Health Insurance Policy for senior citizen: New rules in 10 points</h2>

1) Even those above 65 years of age will now be able to buy health insurance easily, as the age gap on health insurance policy has been removed.

2) IRDAI has directed health insurance companies to come up with special policies keeping senior citizens in mind and also to create a robust system for quick disposal of complaints related to their policies.

3) The move will help senior citizens get cashless treatment easily in hospitals.

4) IRDAI has also asked health insurance companies to come up with special health insurance policies pertaining to maternity and for students and children.

5) Health insurance companies&nbsp;will no longer be able to refuse coverage to people suffering from pre-existing medical conditions like cancer, heart or kidney failure, AIDS etc.

6) As premiums for a special policy can be higher than a normal policy, the policy holders will have the option to pay the premium in installments.&nbsp;

7) There will be no cap on the treatment of AYUSH i.e. Ayurveda, Yoga, Naturopathy, Unani, Siddha, Homeopathy, and one can get coverage for the entire sum insured.

8) IRDAI has also reduced the waiting period for new policy holders from 48 months to 36 months. Now all, pre-existing health conditions will be covered after 36 months – whether the policy holder has disclosed the disease at the time of taking the policy or not.

9) Until now, insurance companies not just cancelled&nbsp;claims on non-disclosure, but also cancelled the entire policy. Now the moratorium period — the duration after which the insurer cannot deny the claim provided it is not a fraudulent claim — has been reduced from 8 years to 6 years.&nbsp;

10) According to IRDAI, the rule has been implemented from April 1, 2024.

&nbsp;

<h2>Health insurance for senior citizen over 65 years: Industry welcomes move</h2>

 
Siddharth Singhal, Business Head - Health Insurance, Policybazaar.com, welcomed the move but added that senior citizens should exercise caution and read the fine print before buying their health insurance policy. He said, “The removal of the age cap on health insurance policies by the regulator marks a significant step towards ensuring equitable access to healthcare for senior citizens. This move offers elderly policyholders the opportunity to avail comprehensive health insurance coverage without being restricted by age-based limitations. However, it's advisable for senior citizens to inquire about waiting periods when purchasing a policy and understand how it may affect coverage for pre-existing conditions. Moreover, senior citizens should be aware of the coverage features and exclusions of the health insurance policies they intend to purchase. It's essential to carefully review policy documents including any capping such as room rent capping, co-payment requirements, and sub-limits on specific treatments. They must clarify any doubts with the insurer to ensure that there is no discrepancy and they fully understand the terms and conditions of their policy.”

Sharad Mathur, Managing Director &amp; Chief Executive Officer, Universal Sompo General Insurance Company Ltd, sees it as a move that will help take India one step closer to its goal of achieving universal health care for all by 2030. He says, "By removing the age limit of 65 years for new health insurance policies, IRDAI has extended accessibility to health insurance for everyone, ensuring individuals can obtain comprehensive coverage regardless of age. Furthermore, the insurance regulator has directed coverage for pre-existing medical conditions, strengthening policyholders’ insurance protection. This move is commendable, benefitting both senior citizens and working adults caring for ageing parents. Not only will it improve access to quality healthcare services, but also encourage more Indians to secure their loved ones against serious medical conditions and illnesses alike. Besides, treatments under alternative medical systems will also be covered up to the sum insured amount, granting policyholders flexibility in choosing their preferred treatment options. From the standpoint of insurers, the amendment has unlocked a new world of possibilities when it comes to product design, enabling insurance companies to create new health products tailored precisely to diverse customer needs. These developments should ultimately serve the interests of senior citizens and take India one step closer to its goal of achieving universal health care for all by 2030."

Sumit Bohra, President of Insurance Brokers Association of India (IBAI), sees it as a great opportunity to tap an underserved market, and adds, “It's a welcome move by the regulator to remove the entry age barrier of 65 years for purchasing the health insurance cover. Although having said that it would be left to the insurers to design the products which is suitable to this age group. For instance, the new product should certainly cut down on the waiting period for pre-exiting disease or a graded claim pay out should happen in first three years and full claim post four years of continuous renewal. The Senior Citizen Health Insurance market is quite huge — one&nbsp;that either has&nbsp;no coverage or poor coverage in terms of smaller sum insured which is not enough to foot the current hospital bills. This is a great opportunity to innovate and penetrate the underserved market.”

Anuj Parekh, Cofounder and CEO at Bharatsure, welcomes the move by IRDAI, but deems it necessary to align insurer interests with the needs of senior citizens in order to ensure comprehensive and equitable coverage across. He says, "IRDAI's decision to remove age restrictions for entry into health insurance policies is indeed a step towards inclusivity in the insurance sector. However, it's essential to acknowledge that insurers may not be enthusiastic about catering to the age bracket above 65 years. Even if they do, the terms and conditions of such policies may not be entirely favourable to the customer. For instance, while a 70-year-old individual may now have the opportunity to purchase health insurance for the first time, they will likely encounter stringent terms, exclusions, and possibly high premiums. It's a reality that the 65-plus age group often comes with pre-existing conditions, prompting insurers to carefully evaluate the profitability, sustainability, and scalability of policies for this demographic. In light of these considerations, individuals seeking health insurance post-retirement may find it advantageous to continue with employer-offered health insurance, where insurers can provide more competitive premium rates and favorable policy conditions. Ultimately, while IRDAI's move promotes access to insurance for older age groups, it also underscores the importance of aligning insurer interests with customer needs to ensure comprehensive and equitable coverage across all demographics."

Prasun Sikdar, MD and CEO at ManipalCigna Health Insurance, highlights the crucial aspect of "peace of mind" that this would bring to senior citizens over 65, and says,&nbsp;"We welcome the transformative stride taken by the IRDAI towards creating inclusivity in healthcare ecosystem. The removal of the age cap on health insurance policies will provide senior citizens with complete peace of mind, knowing that they have access to quality healthcare when they need it most during the golden years of their life."

Sikdar also informs of a senior-citizen-specific plan launched by his insurance company, saying, "At ManipalCigna, we stand committed to helping seniors live their best lives, and to do so recently we had launched 'Prime Senior' plan that gives flexibility with lower waiting periods and provides coverage for pre-existing disease conditions from 91st day onwards. Thus understanding the evolving needs of seniors and the rising medical inflation, we welcome this pivotal change, recognizing it as an opportunity to extend our unwavering support to the elderly in safeguarding their health and well-being."

&nbsp;

<a href="https://zeebiz.com/india/news-insurance-regulator-irdai-abolishes-age-restriction-on-health-insurance-285556">Also Read -&nbsp;Insurance regulator IRDAI abolishes age restriction on health insurance</a>

Health insurance for senior citizen over 65 years:&nbsp;Earlier, individuals could only purchase a new insurance policy till the age of 65, but with the new set of rules in place from April 1, anyone, regardless of age, can buy a new health insurance policy.&nbsp;


Health insurance for senior citizen over 65 years - Explained in 10 points: Industry welcomes IRDAI move, but highlights need for elderly to read fine print 

The allure of luxury cars, with their captivating design, cutting-edge technology, and exhilarating performance, is undeniable. As the prices of new cars rise with every passing month and buyer preferences continue to shift, pre-owned luxury vehicles have become a strategic investment option for discerning buyers.&nbsp;

Sumit Garg, Co-founder &amp; MD of Luxury Ride explains the financial advantages associated with pre-owned luxury cars, as they empower buyers to achieve their automotive aspirations, and says, "Pre-owned luxury cars offer a compelling value proposition for buyers seeking to upgrade their vehicles. These cars align with evolving consumer preferences for premium features and technological advancements. When coupled with the financial benefits of lower depreciation rates and lower insurance costs, it makes pre-owned luxury cars a smart choice for those interested in value-driven investing."

The Co-founder &amp; MD of Luxury Ride raises 5 pertinent points below to show that pre-owned luxury cars are great value for money —&nbsp;

 
1. Lower Insurance Cost: Compared to a new car, the insurance cost for pre-owned cars is much lower than that of a new vehicle. Garg says, "It is a major factor because the premium amount significantly reduces with the age of the car. The premium is also determined by the depreciation rate of the car at the time of buying or selling the vehicle." All the factors together result in a reduction in the insurance cost of the pre-owned luxury car.&nbsp;&nbsp;

2. Slower Depreciation: Once a new car is out of the showroom, its value depreciates significantly. He explains, "In a span of six months to a year, the car loses purchase value by 15 per cent. Likewise, the depreciation rate keeps magnifying with each passing year. Contrary to this, pre-owned luxury cars depreciate much slower than new cars. It resides well with the shrinking ownership period, arising from the changing consumer behavior of constantly upgrading themselves with the premium and the latest car model in the market."

3. Advanced safety features: Besides standard safety features such as airbags, ABS, reverse parking sensors, etc., the luxury cars come with advanced safety features. It integrates the latest features such as 6/7 airbags, hill-hold assist, ABS with EBS, etc. "The cars also have automatic and advanced sensors for adaptive cruise control, blind spot monitoring, and forward collision warning. The inclusion of anti-theft features such as GPS tracking and a 360-degree camera system elevates its desirability among consumers. Adding to it, the magnificence of design and the opulent interiors elevate the car's presence on the roads. As a result, pre-owned luxury cars make for a plausible choice, allowing buyers to avail features that are as good as that of a new car," the Co-founder &amp; MD of Luxury Ride informs.

4. Reduced waiting period: One important benefit of buying a pre-owned luxury car is the fast delivery. He talks about the waiting period for brand-new luxury cars that can be long and taxing and even extending for more than a year. "As a result, buyers can go for a pre-owned model with the same level of opulence, feel, and performance as that of a new car. Purchasing from an authorized dealer would make the buying process seamless, as the experienced executives would comply with official formalities and ensure that the car is delivered in the shortest time possible," he adds.

5. After-sales support from trusted car dealers: The after-sales support from an authorized dealer can help the buyer maintain the pre-owned luxury car well. "Their 24/7 support, service guidance, and assurance help ensure they get the best deal on the pre-owned luxury car. The tests and inspections examine flaws, technical anomalies, and defects. Their services, like inspection, repair, and refurbishment, ensure the car is as good as the new one," he sums up saying.

Pre-owned luxury cars offer a compelling value proposition for buyers seeking to upgrade their vehicles.


Carbuyers Guide: From lower insurance cost to zero waiting period — discovering the financial benefits of pre-owned luxury cars

IPL 2024 Gujarat Titans squad, GT match schedule: Gujarat Titans won the IPL 2022 in their first season and ended runners-up in their second (IPL 2023) edition, but that was under Hardik Pandya — who has since gone on to lead Team Indian in the shortest format. So, their new skipper, talented youngster Shubman Gill will hope that the Gujarat Giants are his launchpad to bigger things as well. But first, he will have to ensure a top-two finish (at least) to hold the trajectory of the over-achieving side's graph.

For that, Gill has the services of David Miller, Kane Williamson and keep-batters Matthew Wade and Wriddhiman Saha up top. Alongside them, will be all-rounders like Azmatullah Omarzai, B Sai Sudharsan, Shahrukh Khan (not to be confused with the Bollywood superstar) and "Mr 3D" Vijay Shankar — who will be itching to carve a niche for themselves in IPL 2024.

They'll be sorely missing the services of last year's star bowler Mohammad Shami who's out with injury, but they have another superstar Afghan spinner Rashid Khan to bowl the opposition out. He will be supported by the likes of Umesh Yadav, Jayant Yadav, IPL sensation Rahul Tewatia, Sai Kishore and Mohit Sharma.

But how the talent is utilised and churned will depend on the young shoulders of Gill!

<h2>IPL 2024: Gujarat Titans (GT) Captain and Coach</h2>

Shubman Gill will lead the Gujarat Titans (GT) side this season with Ashish Nehra as their head coach.

<h2>IPL 2024: Gujarat Titans (GT) Home Ground</h2>

Narendra Modi Stadium in Ahmedabad will be GT's home ground

<h2>Indian Premier League 2024: Gujarat Titans (GT) Full Squad, Players List</h2>

Gujarat Titans, GT IPL 2024 squad:&nbsp;David Miller, Shubman Gill (captain), Matthew Wade, Wriddhiman Saha, Kane Williamson, Abhinav Manohar, B. Sai Sudharsan, Darshan Nalkande, Vijay Shankar, Jayant Yadav, Rahul Tewatia, Noor Ahmad, Sai Kishore, Rashid Khan, Joshua Little, Mohit Sharma, Azmatullah Omarzai, Umesh Yadav, Shahrukh Khan, Sushant Mishra, Kartik Tyagi, Manav Suthar, Spencer Johnson, Sandeep Warrier.&nbsp;

<h2>IPL 2024, Gujarat Titans match schedule, Full IPL 2024 match schedule for GT</h2>

<ul>
	<li>GT vs MI— March 24, Ahmedabad at 7:30 PM</li>
	<li>CSK vs GT— March 26, Chennai at 7:30 PM</li>
	<li>GT vs SRH— March 31, Ahmedabad at 3:30 PM</li>
	<li>GT vs PBKS— April 4, Ahmedabad at 7:30 PM</li>
	<li>LSG vs GT— April 7, Lucknow at 7:30 PM</li>
</ul>

IPL 2024 Gujarat Titans squad, GT match schedule:&nbsp;They'll be sorely missing the services of last year's star bowler Mohammad Shami who's out with injury, but they have another superstar Afghan spinner Rashid Khan to bowl the opposition out.&nbsp;


IPL 2024 Gujarat Titans squad, GT match schedule: Great power and greater responsibility on Shubman Gill's young shoulders

IPL 2024 Lucknow Super Giants squad, LSG match schedule:&nbsp;Shepherded by India mainstay KL Rahul, Lucknow Super Giants have no dearth of talent when it comes to top-order batting talent. Overseas talents like veteran keeper and marauder with the bat Quinton de Kock, and Carribean blaster Nicholas Pooran, Lucknow also have Devdutt Padikkal — a southpaw who's shone with the bat for Royal Challengers Bengaluru (RCB).

In the all-around department, they have World Cup winner Marcus Stoinis, Pandya senior - Krunal Pandya, Ayush Badoni and the likes of Deepak Hooda, Kyle Mayers and David Willey.

The bowling department is where the Nawabs lose some of their steam. Veteran spinner Amit Mishra and Ravi Bishnoi will be entrusted with spinning the opposition out, while Shamar Joseph, Shivam Mavi and Naveen ul Haq will be their pace mainstays.

All-in-all, under KL Rahul, Lucknow Super Giants are a balanced side that will rely heavily on their top-order batters to set unachievable targets for the opposition and hope their bowlers do the trick.

<h2>IPL 2024: Lucknow Super Giants (LSG) Captain and Coach</h2>

KL Rahul will lead the Lucknow Super Giants (LSG) side this season with Justin Langer as their head coach.

<h2>IPL 2024: Lucknow Super Giants (LSG) Home Ground</h2>

BRSABV Ekana Cricket Stadium in Lucknow will be LSG's home ground.

<h2>Indian Premier League 2024: Lucknow Super Giants (LSG) Full Squad, Players List</h2>

Lucknow Super Giants, LSG IPL 2024 squad:&nbsp;KL Rahul (captain), Quinton de Kock, Nicholas Pooran, Ayush Badoni, Kyle Mayers, Marcus Stoinis, Deepak Hooda, Devdutt Padikkal, Ravi Bishnoi, Naveen-ul-Haq, Krunal Pandya, Yudhvir Singh, Prerak Mankad, Yash Thakur, Amit Mishra, Mark Wood, Mayank Yadav, Mohsin Khan, K. Gowtham, Shivam Mavi, Arshin Kulkarni, M. Siddharth, Ashton Turner, David Willey, Mohd. Arshad Khan.&nbsp;

<h2>IPL 2024, Lucknow Super Giants match schedule, Full IPL 2024 match schedule for LSG</h2>

<ul>
	<li>RR vs LSG— March 24, Jaipur at 3:30 PM</li>
	<li>LSG vs PBKS— March 30, Lucknow at 7:30 PM</li>
	<li>RCB vs LSG— April 2, Bengaluru at 7:30 PM</li>
	<li>LSG vs GT— April 7, Lucknow at 7:30 PM</li>
</ul>

IPL 2024 Lucknow Super Giants squad, LSG match schedule:&nbsp;All-in-all, under KL Rahul, Lucknow Super Giants are a balanced side that will rely heavily on their top-order batters to set unachievable targets for the opposition and hope their bowlers do the trick.


IPL 2024 Lucknow Super Giants squad, LSG match schedule: Can KL Rahul take the well-balanced Lucknow squad to IPL glory?

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">Punjab Kings squad, PBKS IPL 2024 match schedule: <span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">Punjab Kings (PBKS) is another team that has time-and-again looked good on paper, and then somehow lost the plot. On occasions they've played like Kings, but their castle has capitulated like a house of cards the very next match.&nbsp;

&nbsp;

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">In this auction, the team from Punjab brought in medium pacer Harshal Patel for Rs 11.75 crore as their biggest purchase, followed by South African batsman Rilee Rossouw for Rs 8 crore. The big buys will likely be drafted into the playing 11 right from the start.

&nbsp;

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">Beyond these two, skipper Shikhar Dhawan would love to return with a bang, and he'll heavily rely on the English duo of Liam Livingstone and Jonny Bairstow to come good with the bat.&nbsp;

&nbsp;

 
<a href="https://www.zeebiz.com/trending/sports/ipl/news-ipl-2024-rcb-team-players-list-check-royal-challengers-bengaluru-schedule-full-squad-captain-coach-best-batsman-best-bowler-latest-news-and-updates-virat-kohli-281194">IPL 2024 Royal Challengers Bangalore squad, RCB IPL 2024 match schedule: 17th time's a charm for RCB and Virat Kohli?</a>

&nbsp;

&nbsp;

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">In the bowling department South African speedster Kagiso Rabada will be assisted by Arshdeep Singh, Aussie Nathan Ellis, and veteran Chris Woakes.&nbsp;

&nbsp;

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">Dhawan will hope and pray that some, if not all, of the above-mentioned playes channelise their lion-hearted Punjabi spirit to take the Kings to the throne.

<h2>IPL 2024: Punjab Kings (PBKS) Captain and Coach</h2>

Shikhar Dhawan will lead the Punjab Kings (PBKS) side this season with Trevor Bayliss as their head coach.

<h2>IPL 2024: Punjab Kings (PBKS) Home Ground</h2>

The PCA New Stadium in Mullanpur will be Punjab Kings's home ground

<h2 dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">Indian Premier League 2024: Punjab Kings (PBKS) Full Squad, Players List</h2>

&nbsp;

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">Punjab Kings, PBKS IPL 2024 squad: Shikhar Dhawan (captain), Matthew Short, Prabhsimran Singh, Jitesh Sharma, Sikandar Raza, Rishi Dhawan, Liam Livingstone, Atharva Taide, Arshdeep Singh, Nathan Ellis, Sam Curran, Kagiso Rabada, Harpreet Brar, Rahul Chahar, Harpreet Bhatia, Vidwath Kaverappa, Shivam Singh, Harshal Patel, Chris Woakes, Ashutosh Sharma, Vishwanath Pratap Singh, Shashank Singh, Tanay Thyagarajann, Prince Choudhary, Rilee Rossouw.&nbsp;

&nbsp;

<a href="https://www.zeebiz.com/trending/sports/ipl/news-ipl-2024-csk-team-players-list-check-chennai-super-kings-schedule-full-squad-captain-coach-best-batsman-best-bowler-latest-news-and-updates-ms-dhoni-281193">IPL 2024 Chennai Super Kings squad, CSK match schedule: Stage set for skipper Ruturaj Gaikwad to make his mark</a>

&nbsp;

<h2 dir="ltr" style="line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;"><span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">IPL 2024, Punjab Kings match schedule, Full IPL 2024 Match Schedule for PBKS</h2>

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">1) PBKS vs DC— March 23, Mohali at 3:30 PM

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">2) RCB vs PBKS— March 25, Bengaluru at 7:30 PM

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">3) LSG vs PBKS— March 30, Lucknow at 7:30 PM

&nbsp;

<span style="font-size: 11pt; font-family: Arial, sans-serif; color: rgb(0, 0, 0); background-color: transparent; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; vertical-align: baseline; white-space-collapse: preserve;">4) GT vs PBKS— April 4, Ahmedabad at 7:30 PM

<div>&nbsp;</div>

<div>&nbsp;</div>

<blockquote class="twitter-tweet">
<a href="https://twitter.com/hashtag/SherSquad?src=hash&amp;ref_src=twsrc%5Etfw">#SherSquad</a>, here's your last chance to grab the match tickets for our game at Sadda Akhada 2.0! 
 
Head to the link in the bio to get s. 
 
Offline s are available at the box office outside the stadium.<a href="https://twitter.com/hashtag/SaddaPunjab?src=hash&amp;ref_src=twsrc%5Etfw">#SaddaPunjab</a> <a href="https://twitter.com/hashtag/PunjabKings?src=hash&amp;ref_src=twsrc%5Etfw">#PunjabKings</a> <a href="https://twitter.com/hashtag/JazbaHaiPunjabi?src=hash&amp;ref_src=twsrc%5Etfw">#JazbaHaiPunjabi</a> <a href="https://twitter.com/hashtag/TATAIPL2024?src=hash&amp;ref_src=twsrc%5Etfw">#TATAIPL2024</a> <a href="https://twitter.com/hashtag/PBKSvDC?src=hash&amp;ref_src=twsrc%5Etfw">#PBKSvDC</a> <a href="https://t.co/0LtlmaPrmy">pic.twitter.com/0LtlmaPrmy</a>
— Punjab Kings (@PunjabKingsIPL) <a href="https://twitter.com/PunjabKingsIPL/status/1770730650221305927?ref_src=twsrc%5Etfw">March 21, 2024</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

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Punjab Kings squad, PBKS IPL 2024 match schedule: In this auction, the team from Punjab brought in medium pacer Harshal Patel for Rs 11.75 crore as their biggest purchase, followed by South African batsman Rilee Rossouw for Rs 8 crore.


IPL 2024 Punjab Kings full squad, PBKS IPL 2024 match schedule: Skipper Shikhar Dhawan's chance to take the Kings to the throne

Royal Challengers Bangalore squad, RCB IPL 2024 match schedule: The infants born to Royal Challengers fans in 2008 will or would've turned 17 already, but the franchise is yet to see the face of silverware.&nbsp;

Virat Kohli, who was sporting a 'Dad' t-shirt upon his arrival to the RCB camp will also be hoping that his newborn son Akaay will be the lucky charm for him. On a serious note though, there's hardly been a squad of such expensively-assembled superstars that has faltered at the final hurdle.&nbsp;

&nbsp;

<a href="https://www.zeebiz.com/trending/sports/ipl/live-updates-ipl-2024-csk-vs-rcb-live-cricket-score-updates-bcci-ipl-t20-1st-match-today-chennai-super-kings-vs-royal-challengers-full-scorecard-chennai-stadium-pitch-report-squad-ms-dhoni-du-plessis-281195">Follow all the Live Updates of CSK vs RCB IPL 2024 1st Match Updates and Opening Ceremony here</a>

Until last year football fans would've drawn parallels with Pep Guardiola's Manchester City that knocked at the doors of UEFA Champions League glory, but were always denied by lady luck. Both Guardiola and Kohli's obsession with fitness, attention to detail and 'process-driven' approach to winning is identical and their admiration and adulation for each other (during virtual meetups) is well-known. Like Guardiola's broken the hoodoo, Kohli will want to the same and then replicate the winning strategy till winning becomes boring.&nbsp;

Now, back to cricket, and cricket journalists' favourite whipping horse — RCB. In skipper Faf du Plessis, Virat Kohli, Rajat Patidar and Glenn Maxwell, they have a loaded top order. Old warhorse Dinesh Karthik will don the gloves, and hold fort in the middle order.

In Cameron Green, Alzarri Joseph, Tom Curran, Lockie Ferguson, Reece Topley, they have plenty of overseas fast bowlers (or fast-bowling all-rounders) to partner Mohd Siraj with the new ball, but therein lies the problem — if skipper Faf and big-hitter Maxwell occupy 2 of the 4 overseas spots, who occupies the other 2 spots? Will RCB prefer pace of Ferguson and Joseph, or opt for their big-ticket acquisition Green?&nbsp;

And the list surprisingly ends there. Karn Sharma is the only genuine spinner in the squad. Even if Maxwell bowls his quota of off-spin, the bowling attack looks really underwhelming.&nbsp;

But, like they say, every scarcity is an opportunity, for unknown players like Swapnil Singh, Saurav Chauhan, Suyash Prabhudessai, Vijaykumar Vyshak, Rajan Kumar, and the rest to make a name for themselves.&nbsp;

RCB will kick off their campaign in the season opener clash against Chennai Super Kings on Friday at the MA Chidambaram Stadium.

<blockquote class="twitter-tweet">
 
 
For every role, we’ve found our match 
And we believe they can hit the Purple Patch! 
Signed today or retained before, 
This is our <a href="https://twitter.com/hashtag/PlayBold?src=hash&amp;ref_src=twsrc%5Etfw">#PlayBold</a> <a href="https://twitter.com/hashtag/BidForBold?src=hash&amp;ref_src=twsrc%5Etfw">#BidForBold</a> <a href="https://twitter.com/hashtag/IPLAuction?src=hash&amp;ref_src=twsrc%5Etfw">#IPLAuction</a> <a href="https://twitter.com/hashtag/%E0%B2%A8%E0%B2%AE%E0%B3%8D%E0%B2%AERCB?src=hash&amp;ref_src=twsrc%5Etfw">#ನಮ್ಮRCB</a> <a href="https://twitter.com/hashtag/IPL2024?src=hash&amp;ref_src=twsrc%5Etfw">#IPL2024</a> <a href="https://t.co/5bskDt4eGa">pic.twitter.com/5bskDt4eGa</a>
— Royal Challengers Bengaluru (@RCBTweets) <a href="https://twitter.com/RCBTweets/status/1737149470574539243?ref_src=twsrc%5Etfw">December 19, 2023</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

Royal Challengers Bengaluru, RCB IPL 2024 squad: Faf du Plessis (captain), Glenn Maxwell, Virat Kohli, Rajat Patidar, Anuj Rawat, Dinesh Karthik, Suyash Prabhudessai, Will Jacks, Mahipal Lomror, Karn Sharma, Manoj Bhandage, Mayank Dagar, Vijaykumar Vyshak, Akash Deep, Mohammed Siraj, Reece Topley, Himanshu Sharma, Rajan Kumar, Cameron Green, Alzarri Joseph, Yash Dayal, Tom Curran, Lockie Ferguson, Swapnil Singh, Saurav Chauhan.

<h2>IPL 2024: Royal Challengers Bengaluru Captain and Coach</h2>

Faf du Plessis will lead the RCB side this season with Andy Flower as their head coach.

<h2>IPL 2024: Royal Challengers Bengaluru Home Ground</h2>

The M. Chinnaswamy Stadium will be RCB's home ground.&nbsp;&nbsp;

<h2>IPL 2024: Royal Challengers Bengaluru full IPL 2024 schedule, RCB fixtures</h2>

22 March: RCB vs CSK&nbsp; — Chennai&nbsp; &nbsp; — 8:00 PM 
25 March: RCB vs PBKS — Bengaluru&nbsp; — 7:30 PM&nbsp; 
29 March: RCB vs KKR —&nbsp; Bengaluru&nbsp; — 7:30 PM&nbsp; 
02 April: RCB vs LSG —&nbsp; Bengaluru&nbsp; — 7:30 PM&nbsp; 
06 April: RCB vs RR&nbsp; —&nbsp; Jaipur&nbsp; &nbsp; &nbsp;— 7:30 PM

Royal Challengers Bangalore squad, RCB IPL 2024 match schedule:&nbsp;Virat Kohli, who was sporting a 'Dad' t-shirt upon his arrival to the RCB camp will also be hoping that his newborn son Akaay will be the lucky charm for him. On a serious note though, there's hardly been a squad of such expensively-assembled superstars that has faltered at the final hurdle.&nbsp;


IPL 2024 Royal Challengers Bangalore squad, RCB IPL 2024 match schedule: 17th time's a charm for Bengaluru and Virat Kohli?

IPL 2024 Chennai Super Kings squad, CSK match schedule: There's something about the yellow jerseys in men's cricket. Whether it is the Chennai Super Kings (CSK) in the IPL, or the Australian cricket team in ICC tournaments — if you have them starting the race then you can be sure of a hell of a ride. There's been a pattern to their wins — either they start with a bang and wipe the floor with all their opponents, or even when they start slowly - the race leaders can see them approaching in the rear-view mirror only to somehow pull off a win in the last few steps. Either ways, both the squads clad in yellow thoroughly deserve the "serial winner" tag.

&nbsp;

<a href="https://www.zeebiz.com/trending/sports/ipl/live-updates-ipl-2024-csk-vs-rcb-live-cricket-score-updates-bcci-ipl-t20-1st-match-today-chennai-super-kings-vs-royal-challengers-full-scorecard-chennai-stadium-pitch-report-squad-ms-dhoni-du-plessis-281195">Follow all the Live Updates of CSK vs RCB IPL 2024 1st Match Updates and Opening Ceremony here</a>

Coming to Chennai's Yellow Army, and the city’s adopted son - 'Thala' Mahendra Singh Dhoni - who (according to his detractors) is always supposedly playing his last IPL, but never shown signs that he'll bow out hobbling or end on a whimper. And when he wins (which he does so often), his fans always say that he has at least 1 more year of IPL cricket left in him. And even when he finishes rungs off the top they say he deserves another year to finish on a high. But cricket fans know that they wouldn't prefer it any other way. The ones who have followed the tournament from 2008 will feel that a part of their youth has withered away when the few stalwarts from the 1st edition, like MS Dhoni, Rohit Sharma and Virat Kohli hang their boots. But let's not even talk about that — for there's another year of Dynamic Dhoni to savour!

Talking about the squad of the 5-time winners (2010, 2011, 2018, 2021, and 2023) , CSK made some astute buys in the IPL auction. They added World Cup heroes from New Zealand — Daryl Mitchell and Rachin Ravindra — to bolster their batting lineup, and welcomed back 'Lord' Shardul Thakur to the Yellow Army.&nbsp;&nbsp;

Apart from the new additions, they have a solid batting lineup featuring the likes of Ruturaj Gaikwad, Ajinkya Rahane, and Sameer Rizvi, ably supported by all-rounders like Ravindra Jadeja, Moeen Ali, Shivam Dube, Mitchell Santner, and pacers like Mustafizur Rahman,&nbsp; Mukesh Choudhary, and Deepak Chahar, with spin options like Maheesh Theekshana, and uncapped Prashant Solanki.

<blockquote class="twitter-tweet">
⁠Find Your Squad, Hold them tight! <a href="https://twitter.com/hashtag/WhistlePodu?src=hash&amp;ref_src=twsrc%5Etfw">#WhistlePodu</a> <a href="https://twitter.com/GulfOilIndia?ref_src=twsrc%5Etfw">@GulfOilIndia</a> <a href="https://t.co/ETpHsZWQar">pic.twitter.com/ETpHsZWQar</a>
— Chennai Super Kings (@ChennaiIPL) <a href="https://twitter.com/ChennaiIPL/status/1766784506433020253?ref_src=twsrc%5Etfw">March 10, 2024</a></blockquote>
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Chennai Super Kings squad, CSK Playing 11: Ruturaj Gaikwad (captain), MS Dhoni, Moeen Ali, Deepak Chahar, Tushar Deshpande, Shivam Dube, Rajvardhan Hangargekar, Ravindra Jadeja, Ajay Mandal, Mukesh Choudhary, Ajinkya Rahane, Shaik Rasheed, Mitchell Santner, Simarjeet Singh, Nishant Sindhu, Prashant Solanki, Maheesh Theekshana, Rachin Ravindra, Shardul Thakur, Daryl Mitchell, Sameer Rizvi, Mustafizur Rahman, Avanish Rao Aravelly.

<h2>IPL 2024: Chennai Super Kings Captain and Coach</h2>

This season, Ruturaj Gaikwad will lead CSK, with Stephen Fleming continuing to be their head coach.

<h2>IPL 2024: Chennai Super Kings Home Ground</h2>

The Indian Premier League (IPL) 2024 will kick off on Friday, March 22, at the M.A. Chidambaram Stadium (Chepauk) in Chennai, the home ground of defending champion Chennai Super Kings (CSK), who will play Royal Challengers Bangalore (RCB).

<h2>IPL 2024: Chennai Super Kings full IPL 2024 schedule, CSK fixtures</h2>

Chennai Super Kings vs Royal Challengers Bangalore - March 22 - Chennai - 7:30 PM IST 
Chennai Super Kings vs Gujarat Titans - March 26 - Chennai - 7:30 PM IST 
Chennai Super Kings vs Delhi Capitals - March 31 - Visakhapatnam - 7:30 PM IST 
Chennai Super Kings vs Sunrisers Hyderabad - April 5 - Hyderabad - 7:30 PM IST

IPL 2024 Chennai Super Kings squad, CSK match schedule:&nbsp;Talking about the squad of the 5-time winners (2010, 2011, 2018, 2021, and 2023) , CSK made some astute buys in the IPL auction. They added World Cup heroes from New Zealand — Daryl Mitchell and Rachin Ravindra — to bolster their batting lineup, and welcomed back 'Lord' Shardul Thakur to the Yellow Army.


IPL 2024 Chennai Super Kings squad, CSK match schedule: Stage set for skipper Ruturaj Gaikwad to make his mark

In today's rapidly evolving technological landscape, the advent of Artificial Intelligence (AI) has sparked a revolution in the way people interact with technology. One significant manifestation of this revolution is the rise of voice-first interfaces, which are fundamentally reshaping the landscape of tech support. These AI-powered agents, equipped with advanced natural language processing capabilities, are revolutionizing how users troubleshoot issues, seek assistance, and interact with their devices.

At the heart of this revolution lies the transformative potential of AI-powered agents. The integration of AI into tech support not only enhances user experience but also drives operational efficiencies for businesses. Nevertheless, the proliferation of voice-first technology also raises important considerations surrounding privacy, security, and ethical use. As AI-powered agents become increasingly intertwined with our daily lives, it is imperative to ensure robust safeguards are in place to protect user data and uphold ethical standards. Moreover, ongoing efforts to mitigate biases and ensure inclusivity are essential to fostering a future where technology serves as a force for positive change.

Sarvagya Mishra, Co-founder &amp; Director at Superbot informs, “The evolution of AI-powered Voice Agents represents a paradigm shift in how we interact with technology. Initially conceived as automated chat agents to address specific needs in various sectors, these agents have rapidly advanced to incorporate natural language processing and speech recognition technologies, enabling seamless, life-like conversations. From simple text-based interactions, AI-powered Voice Agents have evolved to handle complex dialogues over telephony channels, offering round-the-clock support and personalized experiences. At SuperBot, we’ve witnessed the Voice-First Revolution firsthand. Our journey commenced in the education sector, where despite the presence of dedicated counsellors, we identified the necessity for quicker responses to student queries, leading us to develop an automated chat agent. However, to proactively engage customers and boost their ROI, we subsequently transitioned into a versatile SaaS-based Generative and Conversational AI Platform. Now catering to various industries and addressing their diverse calling needs, SuperBot’s standout feature remains serving as a 24x7 Incoming Helpline, ensuring zero wait time for user inquiries, remarkably reducing Average Handling Time (AHT), and enhancing Customer Satisfaction (CSAT)."

"For instance, within the education sector, SuperBot facilitates 24x7 admission helplines and conducts real-time lead verification, resulting in saving up to 60 per cent of counsellors’ time. Similarly, in e-commerce, it effectively reduces cart abandonment rates and enhances customer satisfaction through order confirmation and reminders. Furthermore, healthcare industries benefit from appointment scheduling and 24/7 helpline services, while financial services leverage SuperBot for payment reminders and lead verification. With the capability to manage over 1 million calls a day and support for 7+ languages, with ongoing efforts to include more, SuperBot has become indispensable in facilitating seamless communication for businesses across India,” Mishra adds.&nbsp;

Alok Kashyap, Founder and CEO at Yatiken Software Solutions, says, “In recent years human interaction with devices after the growth in AI technologies has gone to the next level as it is convenient, more engaging, and immaculate leading to the Voice-First Revolution and this is changing the dynamics of the Tech Support industry. Answering customer queries and solving problems are much easier as AI agents have a larger knowledge pool which cuts out the limitations involved in tech support, with the use of natural language processing (NLP) and advanced AI algorithms the interactions are more like conversations. I see the capacity to customize customer support among its most alluring features. AI-powered assistants can comprehend consumer inquiries in real time by understanding the exact context and emotions to offer pertinent solutions, and even predict future demands based on past encounters. Additionally, the growing use of voice-first technology has eliminated obstacles to accessibility and language, democratizing access to technical support. Because of this, people with a variety of backgrounds may now interact with technology with assurance and effectiveness. As you have the freedom to choose the language of your choice. It is more scalable and economical from a business standpoint. We can use human resources more effectively by automating common inquiries and standardizing responses, allowing them to concentrate on complicated issues that need human intervention.”&nbsp;

Sumit Singh, CEO and Co-founder at DashLoc, weighs in, saying, “The evolution of Voice AI technology has been remarkable, progressing from basic voice recognition systems to sophisticated assistants capable of understanding context, emotions, and accents. Early systems struggled with accuracy, but advancements in machine learning and deep learning have revolutionized their capabilities. Today, voice assistants are seamlessly integrated into smartphones, smart speakers, and various devices, enabling hands-free task execution in our personal lives. Beyond personal use, Voice AI has made significant impacts across industries like healthcare, customer service, and automotive. In healthcare, it aids in transcribing medical records, diagnoses, and offering emotional support to patients. Call centres utilize voice recognition to automate customer interactions, boosting efficiency. In automotive sector, it enhances safety and convenience by enabling hands-free control over navigation, entertainment, and climate functions. Importantly, Voice AI holds transformative potential for sales-focused businesses, facilitating lead generation, campaign planning, and target population analysis. Smart speech bots intrigue consumers, potentially translating curiosity into purchases. Additionally, businesses, particularly in eCommerce, benefit from AI’s ability to assimilate vast amounts of data, extracting valuable insights efficiently. In essence, Voice AI’s progression from rudimentary recognition to nuanced understanding has reshaped human interactions with technology, permeating daily life and business operations alike with its hands-free convenience and data-processing capabilities.”

To sum it up, the voice-first revolution represents a seismic shift in the way we approach tech support, ushering in an era where AI-powered agents redefine the boundaries of human-machine interaction. By harnessing the power of natural language processing and machine learning, these agents hold the potential to democratize access to support services, drive operational efficiencies, and transform the way we engage with technology. As we navigate this evolving landscape, it is crucial to remain vigilant in addressing challenges and seizing opportunities to harness the full potential of AI in shaping the future of tech support.

Voice-first revolution: How AI-powered agents are reshaping the future of tech support

India is at the cusp of a monumental shift in its transportation landscape, with the Ministry of Road Transport and Highways setting ambitious targets under EV30@2030. However, Shubham Vishvakarma, Founder and Chief of Process Engineering at Metastable Materials, says that as the nation strives to electrify its transport sector, a critical aspect demands attention — the need for local Electric Vehicle (EV) battery refining capabilities.

Talking about factors why the nation needs to build local EV battery refining capacitie, the founder and Chief of Process Engineering at Metastable Materials, highlights these 5 reasons —&nbsp; 
&nbsp; 
Surge in EV Sales and Import Dependency: 
While India has witnessed a surge in electric two-wheeler sales with a 34.42 per cent increase in sales in the third quarter of FY 2023-24 (Q3 FY 24) compared to the previous quarter (Q2 FY 24), Vishvakarma says that the growing demand amplifies the nation's dependence on imported raw materials, particularly from a few countries (Korea, China and Japan) dominating the global supply chain. "The top 6 cell manufacturers from these countries account for ~82 per cent of Lithium-Ion production capacity in the world. As of 2022, electric cars constituted a mere 1.3 per cent of total car sales, emphasizing the need for a substantial push in the EV sector," he informs.

Retaining Critical Minerals Within Borders: 
To enhance material security, he believes that the focus should be on preventing critical minerals from leaving the country. He opines, "While developing lithium mines may take several years, recyclers play a crucial role in recovering minerals from spent batteries. However, the current scenario results in exporting these materials for refining, missing out on creating substantial value for the nation."

Economic and Employment Benefits: 
The founder and Chief of Process Engineering at Metastable Materials states that establishing local mining and refining facilities not only contributes to material security but also holds immense potential for job creation and monetary value. He adds, "According to a McKinsey study, refining around 500 kilotons of Lithium Carbonate Equivalent (LCE) from spodumene could lead to substantial benefits in revenues, margins, and employment."

Environmental Sustainability and Technological Innovation: 
He firmly believes that local battery refining aligns with India's environmental goals by promoting sustainable practices throughout the supply chain. "It allows greater control over environmental standards, waste management, and recycling processes, thereby minimizing the carbon footprint associated with battery production and disposal. Additionally, fostering indigenous refining capabilities encourages innovation and technological advancement, driving breakthroughs in battery chemistry, performance, and efficiency," he avers.

Long-Term Benefits and Strategic Positioning: 
While the initial investments in local battery refining infrastructure may be substantial, the long-term benefits far outweigh the costs. Vishvakarma&nbsp; informs that domestic battery production mitigates currency fluctuations and trade tariffs, resulting in more stable and competitive EV prices in the Indian market. He adds, "Furthermore, building local refining capabilities enhances India's strategic positioning in the global EV landscape. The nation can assert its influence as a key player in the transition towards sustainable transportation, fostering partnerships and collaborations with international stakeholders."

As India envisions a future dominated by electric vehicles, building local EV battery refining capabilities emerges as a critical imperative. "Beyond addressing material security and import dependency, it promises economic growth, employment opportunities, environmental sustainability, and strategic influence on the global stage. The nation's journey towards a sustainable and electric future hinges on its ability to foster a robust and self-reliant ecosystem for EV battery production," he sums up saying.

The founder and Chief of Process Engineering at Metastable Materials states that establishing local mining and refining facilities not only contributes to material security but also holds immense potential for job creation and monetary value.&nbsp;


Electric vehicle revolution: Expert suggests 5 reasons why India needs to build local EV battery refining capabilities

In recent years, Fintech has emerged as a powerful pillar offering rural communities transformative opportunities by providing improved access to financial services including loans, assistance with personal finance and digital bank accounts. According to a 2022 report, Around 62 per cent of the Indians in rural areas have access to fintech services, helping rural India to get on the digitisation track. Today, through mobile apps and various online platforms, people living in remote areas can access banking services, conduct transactions and also receive financial education.

Access of Loans

The revolutionization of loan applications and the approval process is one of the significant impacts fintech has in rural communities. Earlier accessing credit in remote areas was a difficult task. It often leads to extensive paperwork and long waiting periods but with the emergence of fintech, this entire process has now been streamlined, making credit more accessible through advanced algorithms and alternative credit scoring methods.

Shams Tabrej, Founder and CEO of EzeePay, underscores the transformative potential of fintech in rural lending, and affirms, “Fintech has the potential to revolutionize the entire lending scenario in rural communities."&nbsp;

“By using data analytics and innovative credit scoring models, people with limited credit histories can now access much-needed funds for various purposes. Also, Peer-to-peer lending platforms have gained prominence, facilitating direct borrowing and lending within communities. This fosters financial inclusion and support systems; people from rural areas can not engage in direct financial transactions without the need for traditional banking intermediaries,” he adds.

Personal Finance

Fintech doesn't just stop at loans; it extends a helping hand to people in rural communities who are looking for help in personal finance. Through mobile banking apps and other online platforms, people have found a convenient way to pay, access numerous budgeting tools and also effectively manage finances.

Emphasizing the importance of financial awareness in rural areas, Tabrej says, “The awareness of financial knowledge is highly important for people living in rural areas as the access to traditional financial institutions is limited there. The advent of fintech has helped people access personalised financial guidance, empowering them to make informed decisions about savings, investments, and overall financial planning. A recent report claims that Fintech now commands a 47 per cent market share in the personal finance sector in 2023 which has increased by 13 per cent since 2018.”

Fintech platforms provide a user-friendly interface which makes it easy for people to steer through and understand their financial situation without anyone’s assistance, he adds.

Digital Bank Accounts

Digital bank accounts have helped people access banking services without the need for physical branches. By encouraging financial inclusion through USSD (Unstructured Supplementary Service Data), agency banking, and AEPS (Aadhaar Enabled Payment System) the entire banking system has revolutionalised rural India. Blockchain technology is another key factor which enhances transaction transparency. This not only reduces fraud risks but also builds trust within communities that may have been sceptical of digital financial services.

“Digital bank accounts are a cornerstone of financial inclusion in rural communities. These accounts empower individuals with the tools to manage their money conveniently, reducing the barriers imposed by geographical distances. Additionally, services like Paytm, PhonePe, and Google Pay have made payment go smooth and digital. According to the data analysed by the SBI research team, semi-urban areas account for 35 per cent of UPI transactions, while rural areas account for 25 per cent of transactions,” Tabrej sums up saying.

Fintech has potential to revolutionize entire lending scenario in rural communities: EzeePay founder and CEO Shams Tabrej

What is Zero Trust Model in insurtech: With India being the most targeted country accounting for 13.7 per cent of cyber threats that occur globally, the "Zero Trust" model becomes a unique shield, working on the principle of "Always verify, never trust." This model challenges the conventional idea of implicit trust, highlighting its vulnerability with the core idea being to ensure that no individual, system, network, or service, whether within or outside the security perimeter, is inherently trusted.&nbsp;

Paras Mehta, Director of Engineering at Bimaplan, says that the 3 security measures — authentication, authorization, and encryption — serve as a robust defence signifying the fundamental principle of never placing blind trust but, instead, consistently verifying the legitimacy of access requests of systems seeking entry in terms of the reason and sharing access to that particular one only.

He reiterates that insurtechs, at the forefront of digital transformation in the insurance industry, handle a vast amount of sensitive customer data, making the application of the Zero Trust model highly imperative. And adds that this approach helps meet regulatory standards, demonstrating compliance through continuous monitoring.&nbsp;

Stating that this model also secures collaborations with third-party entities, minimising the risk of supply chain attacks by implementing strict access controls and mitigating any potential security threats to their database, he goes in details to lay down the 5 pillars of Zero Trust Model —&nbsp;

1. Identity:

User identity is continuously authenticated through measures such as password authentication, multi-factor authentication, conditional access, and dynamic scoring. These mechanisms "prove" the user's authorization and validation throughout, while moving around the network.

2. Devices:

Device authentication is crucial, with access granted based on real-time risk assessment analytics. Maintaining a complete inventory of devices, including device whitelisting, asymmetric cryptography and secure shell access, mitigates the risk of unauthorised activities.

3. Network:

The model emphasises that the relevant network components of the architecture have their dedicated network, which further ensures that a request or event triggered does not move across the network of the whole infrastructure, rather stays contained within it's intentional bounds.

4. Application and Workloads:

Insurtechs, dealing with diverse applications and infrastructures, must ensure data sharing is restricted to the relevant access permissions. Authentication and Authorization on a continuous basis keeps the applications accessible via the internet and still keeps the applications secured.

5. Data:

Careful data categorization is the key to store, access and retrieve data as per the sensitivity and availability needs of the data, which forms the foundations of data protection at an organisation level. Encryption, immutability, data integrity checks, data loss prevention, and classification contribute to a risk-free data protection strategy.

Hence, the Director of Engineering at Bimaplan, says that the Zero Trust model emerges as a crucial process to navigate the challenges of cybersecurity. "By embracing the philosophy of "Never trust, always verify," insurtechs are strengthening their defences, safeguarding sensitive customer data, and complying with regulatory standards. As technology advances, the Zero Trust model stands at the core of security, guiding Insurtechs towards a resilient and secure digital future for themselves and the entire gamut of companies and customers who utilise their product," he sums up saying.

Cybersecurity in insurtech: What is the 'Zero Trust Model'? Expert explains

The Interim Union Budget 2024 has garnered attention for its approach to cybersecurity and digital transformation at a time when technology is rapidly permeating every aspect of our life. The government's approach towards cybersecurity outlines strategic investments in frameworks, fostering collaboration between its agencies and private entities to ensure a robust defense against cyber attacks. A proactive view would underscores India's recognition of the critical role cybersecurity plays in securing the nation's digital future.&nbsp;

From the standpoint of the average consumer, this budget is important for building a safe and seamless digital future in addition to economic reforms, says Ritesh Chopra, India Director of Norton. While evaluating the Interim Union Budget 2024's approach, he says that end user will be most interested in the budget's pledge to safeguard vital digital ecosystem. "We have witnessed a significant rise in the dependency of consumers on online services, banking, and communication platforms has raised awareness of the necessity of strong cybersecurity protocols. Customers who wish to navigate the digital world with confidence, knowing that their sensitive information is secure from cyber threats, are met by the budget's allocations for strengthening the resilience of vital systems and protecting data centers," he says.

He opines that customers who actively use these advances are drawn to the budget's emphasis on cutting-edge technologies like artificial intelligence and the Internet of Things. This comes at a time when concerns regarding security have risen as more people use smart gadgets and AI-powered services.&nbsp;

Talking about how end-users perceive the Government's approach to cyber security, he says, "Customers are reassured that the government is proactively addressing potential vulnerabilities by the budget's commitment to cybersecurity research and development, especially in the context of developing technologies. This provides an extra layer of protection as they enjoy the advantages of the digital age."

The India Director of Norton says customers must find it particularly heartening that the budget places a strong emphasis on cybersecurity capacity creation. He feels the necessity of cybersecurity awareness and digital literacy is becoming more widely acknowledged as people become more connected online. And states that the budget's allotment for educational and training programs corresponds with the consumers' aspirations for a society that is better educated and aware of the internet.&nbsp;

With an eye on cyber threats, and the pressing need to proactively provision for security in the budget, he says, "One step toward establishing a safer digital environment for all citizens is equipping people with the information they need to defend themselves online. Furthermore, the budget's acknowledgement of global cybersecurity cooperation is consistent with the globalized character of the digital realm. Customers are aware that cyber risks transcend national boundaries, and that teamwork is crucial. The provisions for collaboration with foreign countries and organizations demonstrate a recognition of the importance of maintaining a united front on a global scale in the face of cyber threats. This global viewpoint is in line with what consumers want, which is a safe online environment that is available not only domestically but also internationally."

Talking about his expectations from Finance Minister Nirmala Sitharaman's budget speech, he says that when considering cybersecurity and digital transformation through the lens of the customer, the Interim Union Budget 2024 should empower the consumer to feel secure in the digital world. "Customers may feel secure knowing that the budget is supporting efforts to strengthen vital policies, safely adopt emerging technologies, raise consumer knowledge of cybersecurity, and participate in global partnerships as they traverse the digital ecosystem. In the end, the customer's viewpoint supports the notion that a digital future ought to be inventive, but also based on security, empowerment, and trust for each person interacting with the digital world," he sums up saying.

Union Budget 2024: This Budget is important for building a safe and seamless digital future, says Ritesh Chopra, India Director, Norton

Union Budget 2024 Expectations: As we eagerly await the unveiling of the Union Budget 2024-25, attention is firmly fixed on anticipated policy measures that are poised to propel India's economic growth. In the face of diverse economic challenges, including geopolitical tensions and elevated interest rates, the Indian economy stands resilient, steadfastly continuing its remarkable growth trajectory.

According to the International Monetary Fund (IMF), India's GDP is projected to grow at 6.3 per cent in FY2023-24 and FY2024-25, attributed to favorable macroeconomic factors and financial stability. Ashutosh Taparia, Chief Operating Officer and MD - Corporate Coverage of CredAble (a technology-powered supply chain funding solutions company and NBFC), says that this growth is expected to be driven by robust financial inclusion strategies and expansion in the lending markets, marking India's ascent as one of the fastest-growing economies globally.

He says, "Critical to advancing financial inclusion is the convergence of innovative financial service models, with a particular emphasis on lending and reforms in digital payments and FinTechs. The synergy of the elements of traditional finance and new age technology is anticipated to play a crucial role in fueling India's credit cycle and bolstering financial inclusion."

As per the COO and MD - Corporate Coverage of CredAble, the government's commitment to enhancing digital inclusivity — a vital component in catalyzing positive change at the grassroots level — is central to this effort. He adds, "By having already strengthened the regulatory framework for digital lending, the Reserve Bank of India (RBI) has fostered an environment for growth and innovation, aligning with the broader goal of advancing financial inclusion."

Taparia opines that despite the ongoing surge in credit demand, there exists a significant unmet need for credit in untapped segments across the country, and adds, "This gap is attributed to multiple factors such as a perception that such borrowers are high-risk, insufficient traditional data for risk assessments, traditional lending models being focused on collateral based lending and heightened service costs."&nbsp;

He says Indian FinTech and NBFCs are working closely with Indian corporates and banks to develop models to lend to the previously unbanked sections and to promote financial inclusion.&nbsp;

Smaller NBFCs, offering transaction-based financing, have gained immense popularity, especially among Micro, Small, and Medium Enterprises (MSMEs). He belives the appeal lies in options such as "lack of collateral required, minimal documentation requirements, a transaction based tenure, e-KYC, and rapid loan disbursement—features that have drawn MSMEs to new age NBFCs to secure credit facilities."

Taparia says that the upcoming budget serves as a vote of account preceding the Lok Sabha elections in 2024, and the expectations are anchored in anticipation of policy measures and structural reforms aimed at fostering greater financial inclusion. "Strong confidence has been expressed in the Indian government's concerted efforts to unlock broader credit access for underserved populations through the implementation of government backed digital lending initiatives. This commitment is reflected in strategic partnerships with FinTechs, banks, and NBFCs, collectively working towards a more inclusive and robust financial landscape," he sums up saying.

Ashutosh Taparia, Chief Operating Officer and MD - Corporate Coverage of CredAble says that the upcoming budget serves as a vote of account preceding the Lok Sabha elections in 2024, and the expectations are anchored in anticipation of policy measures and structural reforms aimed at fostering greater financial inclusion.


Budget 2024: 'Expectations from budget anchored in anticipation of policy measures and structural reforms aimed at fostering greater financial inclusion'

Road Safety Week:&nbsp;Road safety is a critical issue in India because of the increasing number of accidents in the country. As per the Annual Report on ‘Road Accidents in India-2022 by the Ministry of Road Transport and Highways a total of 4,61,312 road accidents have been reported by States and Union Territories (UTs) during the calendar year 2022, which claimed 1,68,491 lives and caused injuries to 4,43,366 persons. Such alarming statistics underscores the importance of following proper road safety measures while on road. However, thanks to technological innovations the future of road safety looks promising. During this Road Safety Week (January 11-17),&nbsp;Vanesh Naidoo, Founder and Director, Safe Cams talks about some of the technological advancements that are making the roads safer for commuters and pedestrians. 
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<h2>Connected and Automated Vehicles (CAV)</h2>

Naidoo says Connected and Automated Vehicles (CAVs) that rely on a framework of technologies that communicate and manage an unbelievable volume of data are the future of road safety. Talking about how these function, he informs, "Information is transmitted in both directions, from the vehicle to pedestrians (V2P), other vehicles (V2V) and infrastructure (V2I). Real-time data exchange assists drivers to adjust their speed and route, thus achieving road safety." 
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<h2>Cell Phone Blocking Technology</h2>

Distracted driving, especially on cell phones is among the major causes of avoidable accidents. To do away with this, cell phone blocking technology is on the way. "These technologies many times come in the form of apps built into smartphones that prevent calls and texts when a vehicle is moving. More sophisticated apps also log driving speed and other variables," he avers.

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<h2>Artificial Intelligence (AI) &amp; Internet of Things</h2>

AI and IoT have crucial roles in road safety and vehicle protection. With these technological breakthroughs, which combine improvements in visual technologies with vehicle connectivity advances, the founder and director of Safe Cams says that the risks related to driving can be minimized. He adds, "Driver state monitoring can already catch drowsy, distracted driving behaviors. It can also monitor if the driver is wearing a seat belt or using their mobile phone when driving – such monitoring happens all time and could help to prevent accidents before they arise."

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<h2>Augmented Reality Big Data Analytics</h2>

As many people in India use Google Maps to plot their journeys – the amount of information that Google collects from these users can be utilized for predicting traffic patterns, redirecting traffic after an accident happens and finding out zones with a lot of accidents. He says that this information can then be fed to the driver in real time via a Heads-up-Display so they are better prepared for what may lie ahead on the road.

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<h2>Proximity Sensors</h2>

These sensors recognize the presence or absence of an object within a certain range without physical contact. Talking about this technology, he informs, "They employ different technologies like infrared, ultrasonic or capacitive to measure the distance between the sensor and an object. When the sensors sense a potential collision, they activate the automatic emergency braking system."&nbsp;

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While these technological innovations are sure to give you a safer drive on the road, nothing can beat driver awareness. "Some other effective measures of road safety are basic awareness about vehicle, defensive driving according to weather and road conditions, use of vehicle lights and horn, wearing seat belt, well use of vehicle mirrors, avoid over-speeding, understanding road lights, maintaining distance of vehicle on road, proper understanding of handling crisis situation, etc.," he sums up saying.

Distracted driving, especially on cell phones is among the major causes of avoidable accidents.&nbsp;To do away with this, cell phone blocking technology is on the way.&nbsp;


Road Safety Week: Technological innovations that can make the roads safer for all

Budget 2024 Expectations: Although the interim Budget 2024 is not expected to bring about substantial changes to the tax laws, given that the elections are just around the corner, but certain procedural changes that would assist the ease of doing business, or that would correct unintended legislative hindrances can still be expected.

Talking about Business to Business (B2B) purchase and sale of goods that attract deduction of tax at source (TDS) and collection of tax at source (TCS) simultaneously, S Sriram, Partner at Lakshmikumaran &amp; Sridharan Attorneys (LKS), says, "The exemptions provided from applicability of both TDS and TCS on the same transactions, though Circulars and clarifications, are not exhaustive. The practical difficulties multiply further, where the transactions are concluded through electronic platform."

In this regard, he says, business houses, more particularly, MSMEs who want to certain relaxations from compliance requirements, would welcome any clarification that can be brought about by the interim budget. "TDS and TCS on sale of goods, more particularly on those carried out through electronic platform, are measures to collect information relating to businesses rather than for collecting tax in advance. Any relaxation in their applicability would not in any manner adversely affect the tax policies," he opines.

The Partner at LKS informs that sunset clauses for availing beneficial rate of taxation for newly set up companies under S. 115BAB are fast approaching. He says that that though most of the establishments have hurdled themselves to meet the deadline of commencing commercial production before 31st March, 2024, and adds, "Considering the larger economic benefit the scheme can have, the due date can be extended to assist those businesses which might need some more time to avail themselves of the benefits of regime."

Referring to income tax slabs pertaining to the individual taxpayer, he says it is not uncommon in interim budgets to grant certain benefits to common man, by expanding the slab rates or granting a standard deduction, keeping in view the raising living costs. He hopes that interim budget too, in line with the interim budgets of 2009 and 2019, will pass on certain benefits to small tax payers. "Possibly, the individuals opting to be taxed under the new regime, can expect certain deductions to be extended to them. Given the rising medical and housing costs, the limits for deduction of medical insurances premia and housing loan repayment, might be expanded," he opines.&nbsp;

Talking about the recent changes relating to non-resident tax payers, pertaining to furnishing of electronic Tax Residence Certificate, obligation to file tax returns in India, etc., has increased the cost of compliance in relation to transactions undertaken with non-residents. "Some relaxation on procedural issues like obligation of obtaining PAN, authorization of persons to sign on behalf of the non-resident, etc., can definitely improve the collaboration of non-residents to with Indian businesses," he sums up saying.

&nbsp;Union Budget 2024: It is not uncommon in interim budgets to grant certain benefits to common man, by expanding the slab rates or granting a standard deduction, keeping in view the raising living costs.&nbsp;


Hemant Abhishek