7 Financial Tips For Young Adults

  Leveraging the trust and credibility of the Poonawalla Group, which is globally recognized for its achievements in vaccine manufacturing, Poonawalla Fincorp is carving a niche in India’s retail lending sector. The company’s strategic shift towards a tech-first financial model ensures that it remains ahead of the competition in an ever-evolving market. With a long-term vision to scale assets to ₹1.5 trillion within five years, Poonawalla Fincorp is focused on technology-led financial inclusion, operational agility, and a seamless customer experience. By aligning its expansion strategy with cutting-edge innovations, the company is poised to redefine how financial services are delivered in India. As Poonawalla Fincorp accelerates its transformation, its commitment to growth, digital excellence, and financial accessibility remains steadfast, paving the way for a more inclusive and technologically advanced financial ecosystem. Poonawalla Fincorp’s Ev olution Redefining the Future of D...

When you opt for a bald look, whether by nature or choice, it’s crucial to give special care to your scalp, which becomes more vulnerable to sun damage. Without the protective barrier of hair, your bald head is exposed to harmful UV rays, making sunscreen and grooming products essential for healthy skin. Here's your ultimate guide to properly care for your bald scalp and select the right grooming essentials. The Importance of Sunscreen for Bald Men The skin on your scalp is just as sensitive as the skin on your face, and when you shave it all off, it becomes a prime target for sunburn, premature aging, and skin damage. Without the shield of hair, your bald head is prone to drying out and burning when exposed to the sun, which increases the risk of skin cancer over time. That’s why applying sunscreen every day is vital. Sunscreens made for the face may not provide enough protection for your scalp, so it’s important to choose one that offers high SPF coverage and doesn’t leave behind...

The connection between mental health and physical wellness is profound, highlighting how closely the mind and body influence each other. While mental health affects physical health in countless ways, physical wellness, in turn, plays a critical role in shaping emotional well-being. Understanding this relationship is essential for achieving a balanced, healthier life. How Mental Health Impacts Physical Wellness Stress and Its Physical Manifestations Chronic stress can have significant effects on the body. Elevated stress levels lead to increased cortisol production, which may result in headaches, muscle tension, and fatigue. Over time, stress can contribute to serious conditions like heart disease, high blood pressure, and weakened immunity. Depression and Physical Health Depression often leads to lethargy, poor sleep, and changes in appetite. It can also decrease motivation to engage in physical activity, which further exacerbates health issues. Studies have linked untreated depressi...

Food is more than fuel—it’s a source of pleasure, connection, and vitality. Choosing a healthy approach to eating doesn’t mean giving up your favorite dishes or following rigid rules. Instead, it’s about finding balance, embracing variety, and making choices that nourish your body and enhance your well-being. What Does Healthy Eating Mean? Healthy eating is about consuming a diverse range of foods that provide the nutrients your body needs to function optimally. These include vitamins, minerals, proteins, fats, carbohydrates, and water. A balanced diet doesn’t exclude indulgences; it’s about moderation and ensuring your meals are primarily nutrient-dense. The Building Blocks of Healthy Eating Here are some key components to focus on when adopting healthier eating habits: Fruits and Vegetables These are rich in vitamins, minerals, and antioxidants that support your immune system and overall health. Aim to include a rainbow of colors on your plate to get a wide range of nutrients. Whole...

For finance students, non-convertible debentures (NCDs) offer an opportunity to explore how companies manage capital, while artificial intelligence (AI) in HR is transforming workforce strategies. Poonawalla Fincorp ’s decision to raise Rs 190 crore through NCDs is not just a financial move—it reflects the intersection of structured finance and cutting-edge technology. Understanding NCDs: A Key Financial Tool NCDs are fixed-income instruments issued by companies to secure funds without diluting equity. Unlike convertible debentures, they do not convert into shares, making them ideal for businesses seeking debt-based funding. In this instance, the NBFC aims to raise Rs 100 crore with an additional Rs 90 crore via a green shoe option. These debentures are secured, redeemable, rated, and listed on the Bombay Stock Exchange (BSE), offering both safety and liquidity. With a coupon rate providing an extra 2% over the applicable base rate, they appeal to investors prioritizing consistent retu...