BLOOMING INSIGHTS

Introduction On March 21, 2022, the founder of Zomato, Deepinder Goyal, dropped a tweet promising food delivery in 10 minutes ensuring 10/10 quality of food with no added pressure on delivery partners regarding the same. And this is where the story of heated arguments regarding the same began on Twitter and LinkedIn. Background of fast delivery service in India The 10-minute delivery space in India is heating up with many startups operating in it like Zepto which has a very strong unit economic model, Instamart by Swiggy, and the recent stock deal of Zomato with Blinkit (formerly Grofers) has further taken the competition to the next level. All of them were delivering groceries to the doorstep of the consumer. Less than a year ago, Zomato and Tiger Global Management had funded around USD 120 million in Blinkit which got it the status of Unicorn but within a year itself, it started to face a cash crunch and things were certainly not going in the favour of the e-commerce start-up...

Introduction   In the recent past two years, the mergers or acquisitions that had taken place were generally because either the companies were not performing well or were in debt and unable to repay. But is the story same for the latest announcement of one of the biggest mergers in Indian history- The HDFC Merger? As what started as a mortgage company has now a combined valuation of more than 14 lakh crore Rupees. So what's actually the rationale behind this move and how will it take place? Rationale behind merger The main reason for the merger is that the strength of the combined balance sheet is going to be so massive that it will provide great benefits to the economy. HDFC, as a housing finance company, has a higher cost of funds than banks, and when it will move into a banking structure, the total cost of funds of HDFC itself will come down, resulting in the availability of money at a cheaper rate to fund the mortgage business. So with the help of this merger, HDFC wi...

Background Story Wannabe IAS Officer decided to ditch his parents dream and ended up opening tea café with his childhood friend which has a turnover of Rs 100 crores now. That’s Chai Sutta Bar for you guys! Anubhav Dubey, who cofounded this famous tea café hailed from Madhya Pradesh and it was a courageous step for him to quit IAS prep in 2016 and start a small business with very less money. The cafe with just a 3 lakh investment and borrowed furniture from friends is now operating with more than 160 outlets in India and has also marked its presence in 3 countries- Nepal, Oman, and Dubai. Why did they decide on entering this segment? With many leading tea cafe chains like Chaayos and Chai Point and even many local players having their presence at almost every corner of the road, how they were able to craft for themselves a prominent and distinct image is one interesting thing in itself. The founders noted that after water, it is the tea that is widely consumed by the people, es...

In the initial times almost in every country, the women were treated as inferior to the men, no matter the concern, and India was no exception. There always has been this discrimination between men and women and so are in them getting their rights. Even the rights were existed not entitling the own full-blood daughters in the property of any kind which was later on in the year 2005 was amended. The Hindu Succession Act, 1956: The De Facto Since the old Hindu Law stated that only a Coparcenary (a co-heir) has the right in the property, and in HUF a woman was having no right to be a co-heir (According to Hindu Law it is only a male can lead the family, and was entitled to be the heir). Also, shares cannot be claimed until the partition happens. The daughter as legal heirs: The Amendment Act In 2005, then came an amendment in the act to the initial one, named “The Hindu Succession (Amendment) Act, 2005” which made the daughters a co-heir entitling them will be co-heir having right in ...

  What is Tata Neu? Tata Neu- The Tata conglomerate's Super App was unveiled on April 7 this year. It's the most comprehensive and future-ready app for the customers out there. From buying groceries to planning a vacation, from getting a health and insurance plan to simply ordering the food, it's all available in this single unified Tata app. In simple words, it's Tata Mall available at the click of a finger, giving access to stores, including some of the famous brands like AirAsia India, Big basket, Croma, IHCL, Qmin, Starbucks, Tata 1mg, Tata CliQ, Tata Play, and Westsid. The Need for Super App There are several apps available on the Google Play store and most of the storage gets consumed by Whatsapp Media, and Instagram. Hence, the need was felt to have a single unified platform where all the items of need are available, with a dedicated payment system, and there, is a means to chat with the family and friends too! How does the app work? The Tata Neu App prov...

Inflation influences almost everything around us- our food, our clothes, our work, and even our politics; are all around inflation. We all know that inflation is the increase in prices but there is much more to it. Before we explain it further, first let us look at its history. History of Inflation For some reason, the 20 th century can be named as “The Era of Inflation”. Normally when you encounter the term inflation, what do perceive actually? Well as a Lehman one will simply just say the hike in the prices, or when means of living becomes costlier. Initially, in the early 19 th century, inflation was considered as a process of making an addition to the currencies i.e., the change in the proportion of currency in circulation relative to the amount of precious metal that constituted a nation’s money. But the definition of the term changed over time as per the different phenomena given by various economists. The Inflation Inflation is nothing but the consequence of persistent r...

As today’s world is becoming dynamic, everything is becoming transparent, and knowledge is available at a click of a finger, we as consumers love to think of ourselves as highly rational beings who weigh our options logically before making a decision. But often, we end up buying more than what we need as a result of marketers and sellers employing psychological techniques to sell products. So let’s have a look at some of the popular psychological techniques: 1. The Decoy Effect It is a phenomenon where consumers change their preferences when provided with a third not-so-appealing option simplifying the consumer’s selection process based on value addition (here price and quantity). Let’s understand it by an example, you arrived at a cinema hall to watch a movie and want to have popcorn, so you encountered 2 price options for popcorn. Small popcorn: ₹ 30 Large popcorn: ₹ 70 Like most people, you’ll choose the pack of ₹ 30 by rationalizing you don’t want the large pack but your d...