New Delhi: The assets under management (AUM) growth of non-banking financial companies (NBFCs) in the country is set to moderate to 15-17 per cent in the current and next fiscals (FY25 and FY26), according to a report on Monday.
The expected growth will still be above the decadal average of 14 per cent (fiscal 2014-2024), according to a report by CRISIL Ratings.
The AUM growth of NBFCs in the two largest traditional segments — home and vehicle loans (45 per cent of NBFC AUM) — will continue to be driven by fundamentals with limited impact of the above factors.
Home loans are expected to maintain steady CAGR of 13-14 per cent as policy initiatives, such as the re-introduction of the Interest Subsidy Scheme, will provide impetus.
Housing finance companies (HFCs) focused on the affordable segment (Rs 25 lakh loan ticket size) are likely to grow faster at CAGR of 22-23 per cent, the report noted.
Growth in vehicle finance is estimated to moderate but remain healthy at CAGR of 15-16 per cent.
While unit sales growth of new vehicles will be lower, the shift to higher-value vehicles and continued focus on used assets should provide an offset and support overall AUM growth, the report noted.
“Most of the large NBFCs, especially the parent-backed ones, have tapped alternative funding sources such as capital market instruments, foreign currency borrowings and securitisation over the last three quarters. For the rest, the ability to continue tapping such sources at an optimal cost remains crucial to growth,” said Ajit Velonie, Senior Director, CRISIL Ratings.
Funding is a very important factor that influences the growth of NBFCs. Bank lending to NBFCs, which has been largely supportive over the past 5-6 years, has remained in the range of Rs 13-13.5 lakh crore since November 2023 when regulatory risk weights were raised.
Winter is the perfect time to update your wardrobe with clothes that are comfortable, warm, and still fashionable. As the cold weather sets in, everyone needs to wear warm clothes that are suitable for both indoor and outdoor activities. When it comes to shopping for winter clothes, nothing can spruce up your wardrobe better than the right upper underneath layers of clothes. Whether you’re looking for a simple black wool sweater, a trendy cropped sweater, or something with a unique flair, there’s a top to suit every style and need.
10 best high-neck tops from Myntra that you can wear to your office
In this article, we have included the most stylish and versatile winter tops to wear under your cozy sweaters and coats this season. These range from soft wool blends to lightweight acrylic, and each item has been carefully selected to ensure you won’t have to compromise style for warmth. Get ready to welcome this season with a bang as we showcase winter tops that reflect your personality, provide warmth and are perfect for winters.
Made from the finest fabrics and brimming with comfort and warmth, the Monte Carlo Woolen Top is perfect for cold weather wear. It can be paired with jeans or skirts, making it a beautiful piece of fashion.
fabric: Good quality woolen fabric that provides adequate protection but doesn’t make you feel sweaty, rough or too hot while keeping you comfortable all day long.
Property
Description
best for
Casual winter days, brunches and weekend outings
color options
charcoal, light grey, burgundy
customer Rating
4.5/5 based on 250 reviews
The Dressberry Acrylic Winter Crop Top blends warmth with style. Its trendy cropped design and cute winter vibe make it the perfect choice for layering over skirts, pants or jeans. Stand out from the crowd while still being comfortable.
fabric: Soft, breathable acrylic fabric that keeps you warm while allowing your skin to breathe comfortably.
Property
Description
best for
Layering in winters, casual get-togethers and evening outs
color options
grey, black, maroon
customer Rating
4.7/5 based on 300 reviews
Stay warm and stylish with this high neck long sleeve wool top. Its beautiful design with a high neck adds extra warmth, making it perfect for cool evenings. It can be worn for formal wear as well as to create everyday attire.
fabric: Soft fleece with fine texture that provides superior warmth and comfort while maintaining a stylish appearance.
Property
Description
best for
Layering for evening outs, formal events, and cold weather
color options
navy blue, olive green, gray
customer Rating
4.6/5 based on 220 reviews
Bring a sporty vibe to your winter look with the Mast & Harbor Winter Discotheque Pullover. With varsity stripes, it makes for an active looking and trendy basic piece to wear on casual occasions or night outs.
fabric: A blend of pure cotton and wool which will keep you warm while being soft and very comfortable against the skin.
Property
Description
best for
Casual outings, layering and weekend get-togethers
color options
navy, burgundy
customer Rating
4.5/5 based on 270 reviews
Make a bold statement this winter with this abstract printed sweater. With smooth abstract print, it is ideal for those who want to be a little artistic with clothing. Perfect to wear with any type of jeans or skirt to complete your outfit for day or night.
fabric: A warm but lightweight fabric – a blend of polyester and acrylic, and you will feel comfortable and quite attractive.
Property
Description
best for
Casual Wear, Winter Fashion Statement and Weekend Brunch
color options
multicolored, black, white
customer Rating
4.6/5 based on 350 reviews
Add texture and warmth to your winter attire with the Athena Gray Wool Pullover. Its fuzzy detailing gives it a cozy feel while the fleece ensures that you stay warm all day long. Perfect for cool evenings and casual outings.
fabric: Soft, fluffy wool blend for warmth and comfort with a touch of elegance.
Property
Description
best for
Casual wear, cozy evenings and winter outings
color options
grey, light pink, black
customer Rating
Based on 400 reviews 4.7/5
A simple, elegant striped sweater adds just the right kind of casual style to your winter collection. With its loose style, it is great for creating a layered look and looks great with a skirt or skinny jeans.
fabric: A fabric that is delicate and comfortable, made from a combination of cotton and polyester that provides warmth and no fuzziness at all.
Property
Description
best for
Casual wear, layering and comfortable walks
color options
black/white, red/white
customer Rating
4.5/5 based on 210 reviews
With the Roadster Black and Cream Striped Pullover, you glam up your winter wardrobe. It’s self-striped pattern makes it fashionable and is also comfortable due to the soft material used. Perfect for going out for a movie or shopping or even a casual weekend get-together.
fabric: Comfortable, superior quality blend of cotton and polyester, making it warm and durable when used without coming in contact with the skin.
Property
Description
best for
Daywear, Casual Brunch and Casual Outings
color options
black/cream, blue/grey
customer Rating
4.6/5 based on 300 reviews
The Foolish High Neck Oversized Crop Sweater is a must-have for winter. The oversized fit provides comfort while the high neck keeps you warm, making it perfect for those cold days when you want both style and comfort.
fabric: Soft and warm fabric that feels gentle on the skin while providing the comfort required for everyday wear.
Property
Description
best for
Casual outings, fun and cozy winter days
color options
black, grey, olive green
customer Rating
4.7/5 based on 280 reviews
This striped turtle neck pullover from Max saves the day for those who want to look good and stay warm during the winter. The turtleneck keeps you warm on cold days and the stripes make it more playful when attending a business environment.
fabric: Light but as warm as wool which serves as a comfortable and versatile fabric.
Choosing the right winter top is not only about finding the warmest option but also about choosing the most stylish and suitable top to wear in winter. Whether you’re bundling up for a day’s work or dressing up to make a statement, the winter tops on our list come in a range of styles, colors and materials to suit any preference.
From traditional, soft and warm woolen tops to cute and fashionable acrylic sweaters, each option is unique. Fabrics ranging from wool blend to acrylic ensure warmth without compromising comfort. Color schemes vary from pastels to bold, daring statements. These tops can easily transition from day to night, making them valuable additions to your winter wardrobe.
Whether you’re getting ready for a specific event or just looking to elevate your style, you’ll find a top that matches perfectly with your other clothes. Here, you’ll find the best winter tops that will keep you looking cute and warm during the colder months, no matter what your outfit.
What should I consider when choosing a winter top?
When buying winter tops, look for soft and breathable fabrics like wool, cotton, acrylic or blends. Check for a neckline that suits you and a color that is versatile and easy to pull off.
How do I care for my winter tops to ensure they last longer?
Care of winter tops depends on the type of material used in their manufacture. Prefer hand washing or dry cleaning your woolen clothes. Do not twist it at all or squeeze water out of it as this changes the shape of the cloth.
Can I wear winter tops on formal occasions?
In fact, most winter tops can be worn for formal and business events as well. Simply wear it with pants, jeans or leggings with a wool sweater. You can accessorize with a scarf and formal sandals, heels for a more subtle look if necessary.
Are there any special trends in winter tops for this season?
Oversized looks with playful elements are the highlight of this winter season. High-neck sweaters, turtlenecks and cropped styles are among the favorites, providing warmth as well as a slimmer line look. Stripes, color blocking and printed images are also in trend again.
Can a high-neck be worn casually?
Absolutely! High-neck sweaters are also quite flexible, so they can be worn from office look to casual wear. If you want to take that classic smart look in a more casual and comfortable direction then wear it with jeans or joggers.
Disclaimer: At Hindustan Times, we help you stay updated with the latest trends and products. Hindustan Times has an affiliate partnership, so we may get a share of the revenue when you make a purchase. We will not be liable for any claims under applicable laws including but not limited to the Consumer Protection Act, 2019 in relation to the Products. The products listed in this article are in no particular order of priority.
The delay is due to review of learnings from pilot scheme which aim to provide internship opportunities for students at top Indian firms, reports said.
The new PM Internship Scheme which was supposed to have been launched on Monday, December 2, 2024, has been postponed with a new date to be announced shortly.
The scheme was announced in the Union Budget 2024-25 and in the longer run of a 5 year period, targeted to provide internship opportunities to 1 crore students(Representational Image/Pixabay)
The postponement is due to a review of the insights gained from the pilot scheme which aims to provide internship opportunities for 1.25 lakh students at top Indian firms, according to a Business Todayreport.
The internship scheme was announced in the Union Budget 2024-25 by Finance Minister Nirmala Sitharaman and in the longer run of a five-year period, targeted to provide internship opportunities to one crore students.
Candidates between the age of 21 and 24 years, who have passed at least Class 10, are eligible for the scheme, with the government also paying each candidate a one time allowance of ₹6,000 along with a monthly stipend of ₹4,500 and the company paying another ₹500 per month to them.
This was to improve the employability of the country’s youth by giving them exposure to working in large companies.
For this, the government allocated ₹2,000 crore in the budget out of which ₹6.04 crore has been spent till November 20, the report read.
The pilot run saw 1.27 lakh internship opportunities posted by companies with 6.21 lakh applications received after the portal was opened for registrations from October 12, 2024 to November 15, 2024. according to the report.
The scheme’s list of top 500 companies is based on their average Corporate Social Responsibility (CSR) expenditure over the last three years with participation in the scheme being voluntary.
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News/Business/ PM Internship Scheme’s launch delayed, new date awaited: Report
एक ऐसे पहनावे की कल्पना करें जो आपकी सुबह की दिनचर्या से दोस्तों के साथ शाम की मुलाकात में सहजता से परिवर्तित हो जाए! कैज़ुअल वियर हर महिला के वॉर्डरोब में एक जरूरी चीज़ बन गया है, जिससे आपका पहनावा आपके पूरे दिन में आसानी से यात्रा कर सकता है। महिलाओं के लिए कैज़ुअल पहनावे का आदर्श विकल्प केवल आराम के बारे में नहीं है; यह आपके व्यक्तित्व और पसंद को व्यक्त करने के बारे में है। ये आउटफिट ट्रेंडी तरीके से परम आराम प्रदान करते हैं, जिससे आपको अपना दिन कुशलतापूर्वक बिताने में मदद मिलती है। जो चीज़ कैज़ुअल पहनावे को और भी खास बनाती है, वह है इसकी बहुमुखी प्रतिभा – आप इसे अपने अनूठे तरीके से स्टाइल कर सकते हैं। जैसे-जैसे फैशन प्रतिदिन विकसित होता है, आपके पास प्रत्येक दिन को पूरा करने के लिए कैज़ुअल पहनावे की कई अलग-अलग शैलियों को तलाशने और शामिल करने का मौका होता है।
महिलाओं के लिए कैज़ुअल वियर
चाहे आप काम-काज कर रहे हों, दोस्तों के साथ घूम रहे हों, खरीदारी कर रहे हों, या अपने पसंदीदा स्थानों पर जा रहे हों, महिलाओं के लिए कैज़ुअल परिधान मौजूद हैं जो हर अवसर पर सूट करते हैं। कुर्ते और मैक्सी ड्रेस से लेकर जंपसूट और को-ऑर्ड सेट तक, विकल्प अनंत हैं। अनौक, रोडस्टर, कलिनी, स्टाइलम और अन्य ब्रांड महिलाओं के लिए कुछ बेहतरीन कैज़ुअल परिधान पेश करते हैं। प्रत्येक ब्रांड विविध चयन सुनिश्चित करते हुए अपनी अनूठी शैली में कैज़ुअल परिधान प्रस्तुत करता है। इन अग्रणी ब्रांडों के शीर्ष विकल्पों के साथ अपनी अलमारी को उन्नत बनाएं और हर दिन स्टाइलिश आराम अपनाएं।
महिलाओं के लिए कैज़ुअल वियर का हमारा सर्वोत्तम चयन
सूती टी-शर्ट के साथ जींस से लेकर मैक्सी ड्रेस तक, महिलाओं के लिए कई कैज़ुअल परिधान उपलब्ध हैं। आपकी अगली खरीदारी के लिए निश्चित रूप से तलाशने के लिए यहां कुछ विकल्प दिए गए हैं।
यदि आप अपने कैज़ुअल पोशाक में पश्चिमी शैली और आराम का एक आदर्श मिश्रण ढूंढ रहे हैं, तो आपको इस जंपर ड्रेस को आज़माना चाहिए। एक बहुमुखी लुक प्रदर्शित करते हुए, महिलाओं के लिए यह कैज़ुअल पहनावा विभिन्न अवसरों पर पहना जा सकता है, जैसे दोस्तों के साथ बाहर जाना, ब्रंच और बहुत कुछ। कपास और पॉलिएस्टर के मिश्रण के साथ, यह जम्पर ड्रेस एक बढ़िया खिंचाव प्रदान करती है जो विभिन्न प्रकार की महिलाओं पर फिट बैठती है। साथ ही, यह कपड़ा आपकी त्वचा पर मुलायम रहता है और गर्मी के दिनों में भी पहनने के लिए उत्कृष्ट सांस लेने की सुविधा देता है। हेम के पास स्लिट्स की मौजूदगी आपके मूवमेंट को आसान बनाती है, जिससे यह मिडी-लेंथ ड्रेस एक विश्वसनीय कैज़ुअल पहनावा बन जाती है। गोल गर्दन और लंबी आस्तीन वाली यह जम्पर ड्रेस आपके वेस्टर्न लुक को निखारती है।
अतिरिक्त फैशन के लिए मिनिमलिस्टिक स्नीकर्स या ओपन-टो हील्स चुनें।
इस जम्पर ड्रेस के साथ एक स्लिंग बैग या क्रॉस-बॉडी बैग रखें।
अवसर
कैज़ुअल दोस्त बाहर, कॉफ़ी टाइम या ब्रंच
कपड़ा
कपास और पॉलिएस्टर
धुलाई संबंधी देखभाल
मशीन की धुलाई
रोडस्टर की इस ड्रॉप-शोल्डर टी-शर्ट को पहनकर अपने ख़ाली समय का अधिक आरामदायक तरीके से आनंद लें। टी-शर्ट पर एक जीवंत और रंगीन ग्राफिक पैटर्न प्रदर्शित करते हुए, यह आपके कैज़ुअल आउटिंग के लिए एक आदर्श पोशाक बनाता है। इसका ओवरसाइज़्ड फिट विभिन्न प्रकार की महिलाओं को पहनने में सहज और आरामदायक सुविधा देता है। इसके अलावा, ड्रॉप-शोल्डर मॉडल और छोटी आस्तीन के साथ, यह टी-शर्ट वास्तव में आरामदायक लुक दिखाती है। सूती बनावट के साथ, यह सांस लेने योग्य और मुलायम रहता है, जिससे यह महिलाओं के लिए एक आदर्श कैज़ुअल पहनावा बन जाता है। इस टी-शर्ट के साथ आपकी सैर पर जाने से आपका आरामदायक सप्ताहांत पूरा हो सकता है।
आरामदायक समय बिताने के लिए इसे डेनिम जींस, ट्राउजर या शॉर्ट्स के साथ पहनें।
सफेद या मिश्रित रंगों में महिलाओं के स्नीकर्स उनकी स्टाइलिश फिनिश को बढ़ाते हैं।
अवसर
आकस्मिक मित्र बाहर, लंबी यात्रा या छुट्टियाँ
कपड़ा
कपास
धुलाई संबंधी देखभाल
मशीन की धुलाई
क्या आप अपनी लड़कियों की सैर के लिए तैयार हैं? फिर, यह जंपसूट आपको हर तरह से आरामदायक महसूस कराने में कभी असफल नहीं होगा और यह सुनिश्चित करेगा कि आप पूरा आनंद लें। विस्कोस रेयान कपड़े से बना, यह जंपसूट हल्का रहता है और आपको अपनी आउटिंग या सप्ताहांत कार्यक्रमों के दौरान अपनी गतिविधियों में आरामदायक रहने की अनुमति देता है। कमर पर टाई-अप आपको फैशनेबल लुक देने के साथ-साथ एक शानदार फिट भी देता है। पीछे की ओर इसका बढ़िया और मजबूत ज़िपर इतना पतला रहता है कि इसके सुरुचिपूर्ण प्रिंटों में बाधा उत्पन्न होना कम दिखाई देता है। साथ ही इसका स्लीवलेस लुक न सिर्फ आपको कूल और कंफर्टेबल रखता है बल्कि इसे और भी स्टाइलिश बनाता है। साइड पॉकेट के साथ, आप अपने स्मार्टफोन, ईयरफोन, हेडफोन और चाबियां आसानी से कहीं भी ले जा सकते हैं।
अवसर
सप्ताहांत कार्यक्रम या आरामदायक सैर
कपड़ा
विस्कोस
धुलाई संबंधी देखभाल
मशीन की धुलाई
जब आपको ऐसे कैज़ुअल पहनावे की ज़रूरत हो जो दिन से रात और सभी आयोजनों के लिए एक सहज बदलाव दे, तो इस फिट-एंड-फ्लेयर ड्रेस को चुनें। मुद्रित पैटर्न में पूरी तरह से समर्थित, महिलाओं के लिए यह कैज़ुअल पहनावा आपकी अलमारी के लिए एक उत्कृष्ट अतिरिक्त है। मामूली घुटने की लंबाई वाली फिनिश के साथ, यह पोशाक ब्रंच या एक दिन की सैर जैसी आकस्मिक सैर के लिए उपयुक्त है और किसी भी अर्ध-औपचारिक अवसर के लिए उपयुक्त है। इसकी शुद्ध सूती सामग्री आपको सांस लेने योग्य पहनावा देती है जो आपको अपने उत्कृष्ट नमी सोखने वाले गुणों के साथ ठंडा और शुष्क रहने देती है। फूली हुई छोटी आस्तीन और एक मैंडरिन कॉलर के साथ, यह एक स्टाइलिश और समृद्ध लुक देता है, चाहे आप किसी भी कार्यक्रम में भाग लें।
हल्के रंग का एक साधारण स्नीकर, फ़्लैट या खुले पैर की एड़ियाँ इसके संपूर्ण लुक को बढ़ाती हैं।
एक टोट बैग या स्लिंग बैग के साथ स्टाइल कैरी करें।
मंदारिन कॉलर को बड़े आकार के झुमके के साथ पूरी तरह से पूरक किया जा सकता है, जबकि छोटी आस्तीन एक सुरुचिपूर्ण कंगन या घड़ी के साथ अच्छी लगती है।
अवसर
एक आरामदायक दिन बाहर या अर्ध-औपचारिक अवसर
कपड़ा
कपास
धुलाई संबंधी देखभाल
हाथ धोना
क्या आप महिलाओं के लिए अपने कैज़ुअल पहनावे में पारंपरिक स्पर्श चाहेंगे? इस कुर्ते को ट्राउजर के साथ खरीदें जो हमेशा आपके वॉर्डरोब का बहुमुखी हिस्सा रहेगा। को-ऑर्ड लुक प्रदर्शित करते हुए, यह कुर्ता मैचिंग ट्राउजर के साथ आता है ताकि आपको इसके साथ पेयर करने के लिए अलग बॉटम की तलाश न करनी पड़े। कुर्ता और पतलून दोनों ही प्रीमियम सूती सामग्री से बने हैं, जो इसे किसी भी अवसर के लिए एक विश्वसनीय विकल्प बनाता है। मैंडरिन कॉलर और तीन-चौथाई आस्तीन वाला यह स्ट्रेट-कट कुर्ता आपको एक खूबसूरत लुक देता है। ट्राउजर काफ-लेंथ हैं, जो कैजुअल आउटफिट को एक ट्रेंडी टच देते हैं।
इस कुर्ते के साथ पूरी तरह से मेल खाने के लिए फ्लैट या ओपन-टो हील्स चुनें।
इस आधुनिक पोशाक में जातीय स्पर्श के लिए बड़े आकार के झुमके, कंगन और एक घड़ी जोड़ें।
अवसर
एक आरामदायक मिलन या ब्रंच
कपड़ा
कपास
धुलाई संबंधी देखभाल
हल्के हाथ से धोएं
चाहे आप शाम की कॉफी के लिए जा रहे हों या दिन के बाहर, यह ए-लाइन कुर्ती महिलाओं के लिए एक बेहतरीन कैज़ुअल वियर विकल्प है। अपने रंगीन अमूर्त मुद्रित पैटर्न के साथ एक उज्ज्वल और जीवंत फिनिश देते हुए, यह कुर्ती हर महिला के अलमारी संग्रह को बढ़ाती है। इसकी तीन-चौथाई आस्तीन और मैंडरिन कॉलर इस कुर्ती के ए-लाइन कट की सुंदरता को बढ़ाते हैं। सूती कपड़े के साथ, आप इसे पूरे दिन बिना किसी असुविधा या पसीने के पहन सकते हैं। यह आपकी त्वचा पर भी मुलायम रहता है और आपकी सभी आकस्मिक यात्राओं के लिए परम आराम प्रदान करता है। इस कुर्ती का ए-लाइन सिल्हूट एक आकर्षक फिट प्रदान करता है और आपको एक स्टाइलिश लुक देता है।
आकर्षक लुक के लिए इसे लेगिंग्स, जींस या एंकल-लेंथ ट्राउजर के साथ पहनें।
ओपन-टो ब्लॉक हील इस कुर्ती को एक रिच लुक देती है।
एक बड़े आकार के आधुनिक झुमके और मोटे कंगन के साथ, आप ट्रेंडी पोशाक पहन सकते हैं।
अवसर
आरामदेह सैर-सपाटे, आकस्मिक सभाएँ, या दैनिक कार्य
कपड़ा
कपास
धुलाई संबंधी देखभाल
मशीन की धुलाई
क्या आप जींस और ट्राउजर के अलावा अपने टॉप पेयरिंग में बदलाव करना चाहते हैं? मैक्सी स्कर्ट आज़माएं जो किसी भी पहनावे को पूरा करें। विस्कोस रेयान फैब्रिक एक चापलूसी सिल्हूट प्रदान करता है जो आसान आंदोलन की अनुमति देता है और पूरे दिन उत्कृष्ट सांस लेने की सुविधा प्रदान करता है। इलास्टिक कमरबंद के साथ, यह स्कर्ट पूरे दिन आराम प्रदान करते हुए सुरक्षित रूप से अपनी जगह पर बनी रहती है। इसके अतिरिक्त, इसका स्लिप-ऑन क्लोजर इसे पहनना और उतारना आसान बनाता है, जो काम चलाने के लिए बिल्कुल उपयुक्त है। अमूर्त मुद्रित पैटर्न इस स्कर्ट को किसी भी महिला की आकस्मिक अलमारी के लिए एक बहुमुखी जोड़ बनाता है।
अवसर
आकस्मिक शाम की सैर या आरामदायक, गर्म दिन
कपड़ा
विस्कोस रेयॉन
धुलाई संबंधी देखभाल
मशीन की धुलाई
पूरे दिन शांत वातावरण पसंद करते हैं? इस क्रॉप्ड टॉप को आज़माएं जो किसी भी महिला की अलमारी के लिए एक ट्रेंडी और बहुमुखी अतिरिक्त है। एक चिकने और फिट डिज़ाइन की विशेषता, यह टॉप आपके शरीर के प्राकृतिक वक्र को समतल करता है। इसकी ऊंची गर्दन और लंबी आस्तीन इसके आधुनिक लुक को बढ़ाती है, जो इसे कैज़ुअल वियर के लिए परफेक्ट बनाती है। नियमित लंबाई और साफ, ठोस लुक आपको अवसर के आधार पर इसे आसानी से हाई-वेस्ट ट्राउजर, शॉर्ट्स या स्कर्ट के साथ पहनने की अनुमति देता है। लंबी आस्तीन होने के बावजूद, आपके हाथों की गतिविधियां अप्रतिबंधित रहती हैं, जिससे स्टाइल और आराम दोनों सुनिश्चित होते हैं।
अवसर
आकस्मिक शाम की सैर या आरामदायक सभाएँ
कपड़ा
कपास और लाइक्रा
धुलाई संबंधी देखभाल
मशीन की धुलाई
आपके कैज़ुअल पहनावे को इन स्ट्रेट-फिट चिनो के साथ आसानी से पूरा किया जा सकता है। ऊर्ध्वाधर धारीदार पैटर्न की विशेषता के साथ, वे आपके पहनावे में एक आधुनिक और आकर्षक स्पर्श जोड़ते हैं। ये चिनोस एक चिकनी फिनिश और सीधे फिट की पेशकश करते हैं जो चलने में आसानी प्रदान करते हुए विभिन्न प्रकार के शरीर पर फिट बैठते हैं। नायलॉन फैब्रिक से बने, वे बढ़िया स्ट्रेचेबिलिटी प्रदान करते हैं, जो कैज़ुअल वियर में आपके आराम को बढ़ाते हैं। 4 जेबों के साथ, आप अपना सामान ले जा सकते हैं और हाथों से मुक्त रह सकते हैं। लोचदार कमरबंद पूरे दिन सही समर्थन प्रदान करता है, बेल्ट लूप के बिना एक साफ लुक सुनिश्चित करता है।
अवसर
आकस्मिक सैर-सपाटे और स्मार्ट-आकस्मिक कार्यक्रम
कपड़ा
नायलॉन
धुलाई संबंधी देखभाल
मशीन की धुलाई
इस टॉप और मैचिंग ट्राउजर सेट के साथ अपने कैज़ुअल दिनों को अधिक स्टाइलिश और आरामदायक बनाएं। इस पोशाक का को-ऑर्डिनेशन लुक एक परिष्कृत स्पर्श जोड़ता है जो स्टाइल के साथ आराम का मिश्रण करता है। विस्कोस रेयान कपड़े से बना, यह पूरे दिन हल्का और सांस लेने योग्य रहता है, जो इसे आकस्मिक पहनने के लिए एक आदर्श विकल्प बनाता है। स्लीवलेस डिज़ाइन वाला वी-नेक पैटर्न इसकी आधुनिक अपील को बढ़ाता है। कमर पर टाई-अप रस्सी की सुविधा के साथ, आप एक आकर्षक सिल्हूट प्राप्त करने के लिए इसे समायोजित कर सकते हैं। पतलून का स्लिप-ऑन क्लोजर यह सुनिश्चित करता है कि काम करते समय भी उन्हें पहनना और निकालना आसान हो।
अवसर
आकस्मिक सैर, खरीदारी और दोस्तों से मुलाकात होगी
कपड़ा
विस्कोस रेयान
धुलाई संबंधी देखभाल
मशीन की धुलाई
उत्पाद रेटिंग
उत्पादों
रेटिंग
वैन ह्यूसेन महिला धारीदार गोल गर्दन मिडी जम्पर ड्रेस
4.6
रोडस्टर द लाइफ कंपनी प्रिंटेड ड्रॉप-शोल्डर स्लीव्स शुद्ध कॉटन टी-शर्ट
स्टाइल, आराम और बहुमुखी प्रतिभा को जोड़ने वाला सही कैज़ुअल परिधान ढूंढना हर महिला की अलमारी के लिए आवश्यक है। अनौक, रोडस्टर और कलिनी जैसे ब्रांड विभिन्न प्रकार के विकल्प पेश करते हैं जो विभिन्न स्वादों और अवसरों को पूरा करते हैं। उनके संग्रहों की खोज करके, आप अपने रोजमर्रा के परिधानों को आसानी से उन्नत कर सकते हैं, यह सुनिश्चित करते हुए कि आप हमेशा आकर्षक दिखें और आत्मविश्वास महसूस करें। Myntra पर अपनी व्यक्तिगत शैली को अपनाएं और अपने लिए उपयुक्त सर्वोत्तम कैज़ुअल परिधान की खोज की यात्रा का आनंद लें!
अक्सर पूछे जाने वाले प्रश्न: महिलाओं के लिए सर्वश्रेष्ठ कैज़ुअल पहनावा
ऐसी कौन सी एक्सेसरीज़ हैं जो कैज़ुअल वियर के साथ पूरी तरह से मेल खाती हैं?
अपने कैज़ुअल आउटफिट को आकर्षक बनाने के लिए आधुनिक या बड़े आकार के आभूषण, स्टाइलिश बैग और आकर्षक जूते या स्नीकर्स का उपयोग करें। एक स्कार्फ या बेल्ट भी एक परिष्कृत स्पर्श जोड़ सकता है।
क्या कैज़ुअल पहनावा कार्यालय के लिए उपयुक्त है?
हाँ, कैज़ुअल पहनावे के कई विकल्प कार्यालय और आरामदेह सैर के लिए उपयुक्त हो सकते हैं। पेशेवर लुक के लिए स्टाइलिश टॉप या ड्रेस को ब्लेज़र या सिलवाया पैंट और पतलून के साथ पहनें।
महिलाओं के कैज़ुअल पहनावे में कुछ मौजूदा रुझान क्या हैं?
बड़े आकार के सिल्हूट, आरामदायक फिट, चमकीले रंग और चंचल पैटर्न वर्तमान रुझानों के साथ चलते हैं। इसमें ड्रॉप-शोल्डर टी-शर्ट, जंपसूट और बहुत कुछ शामिल हो सकते हैं।
महिलाओं के लिए कैज़ुअल पहनावा किस प्रकार के अवसर के लिए उपयुक्त है?
ब्लेज़र, सिलवाया पैंट, या ट्रेंडी एक्सेसरीज़ के साथ कैज़ुअल पहनावा कैज़ुअल और अर्ध-औपचारिक कार्यक्रमों के साथ अच्छा लगता है। हालाँकि, जब रंगीन स्नीकर्स या फुटवियर के साथ मिश्रित और मिलान किया जाता है तो एक आरामदायक स्टाइल मिलता है।
क्या कुर्ते महिलाओं के कैज़ुअल पहनावे में शामिल हैं?
हां, महिलाओं के कैजुअल वियर में कुर्ता जरूर शामिल है। वे बहुमुखी हैं और विभिन्न अवसरों के अनुरूप विभिन्न तरीकों से स्टाइल किए जा सकते हैं।
अस्वीकरण: हिंदुस्तान टाइम्स में, हम आपको नवीनतम रुझानों और उत्पादों के साथ अपडेट रहने में मदद करते हैं। हिंदुस्तान टाइम्स की एक संबद्ध साझेदारी है, इसलिए जब आप खरीदारी करेंगे तो हमें राजस्व का एक हिस्सा मिल सकता है। हम उत्पादों के संबंध में उपभोक्ता संरक्षण अधिनियम, 2019 सहित, लेकिन इन्हीं तक सीमित नहीं, लागू कानूनों के तहत किसी भी दावे के लिए उत्तरदायी नहीं होंगे। इस आलेख में सूचीबद्ध उत्पाद प्राथमिकता के किसी विशेष क्रम में नहीं हैं।
The boss of car making giant Stellantis – which owns brands including Chrysler, Vauxhall, Jeep, Fiat and Peugeot – has stepped down with immediate effect.
Carlos Tavares’ abrupt exit comes two months after Stellantis issued a profit warning.
In a statement announcing Mr Tavares’ departure, Henri de Castries, Stellantis’ senior independent director said “in recent weeks different views have emerged which have resulted in the board and the chief executive coming to today’s decision.”
Before his resignation, Mr Tavares was one of the most powerful people in the global motor industry.
He had a reputation as a ruthless cost-cutter, at both French group PSA and then, following its merger with Fiat Chrysler in 2021, at Stellantis.
“He was known for being able to turn around companies that were troubled,” Hans Greimel, Asia editor at Automotive News, told the BBC.
“Critics would say he was just cost-cutting too much and delaying products and also hurting quality,” he added.
Mr Tavares frequently made headlines in the UK by casting doubt over the future of Vauxhall operations in the UK, linking it to issues such as Brexit and government plans to force car makers to build more electric cars.
It is not yet clear whether his departure will affect the planned closure of Stellantis’ Luton plant.
Mr Tavares’ position had been undermined recently by a dramatic fall in sales and profits at the company.
Stellantis’ share price has fallen by 40% since the start of this year.
In September, the company said it had started to look for Mr Tavares’ successor, but he was expected to stay in his role until at least 2026.
Stellantis said it now expected to appoint a new chief executive by the middle of next year.
In the meantime it said it will set up a new interim executive committee, led by the firm’s chairperson John Elkann.
Experts are of the view that individuals holding older white PAN cards those without QR codes should apply for PAN 2.0. (AI image)
PAN 2.0: The Modi government has approved a new PAN 2.0 project and the first question that comes to the mind of taxpayers is, should they apply for the upgraded PAN Card under PAN 2.0? A free application option for a new PAN will be available for those needing to correct or update their details, such as name or date of birth. It’s important to note that the Income Tax Department has issued a statement confirming that current PAN cardholders need not mandatorily obtain a new PAN under the PAN 2.0 initiative.
Should you replace old PAN with new PAN Card under PAN 2.0?
Experts are of the view that individuals holding older white PAN cards or PAN cards without QR codes should obtain the newer version featuring a QR code. Experts believe that the updated PAN card design with PAN 2.0 will reduce fraud risks through its integrated QR code whilst enabling quick verification.
What are the benefits of PAN Card with QR Code?
Vikram Babbar, Partner, EY Forensic & Integrity Services – Financial Services told ET, “Upgrading to the new PAN card design with a QR code is a proactive step for users to safeguard their identity and financial information. It helps reduce the likelihood of falling prey to fraudulent activities.” Supporting this perspective, Ankit Ratan, CEO & Co-founder, Signzy – an online identity verification and customer onboarding company told ET, “Under the PAN 2.0 initiative, the entire process of PAN application has been digitized. This enables provision of seamless PAN authentication and validation services to various organisations, including financial institutions, banks, and governmental bodies at both central and state levels.” Also Read | PAN 2.0 FAQs answered! Will your PAN Card change, will it have a new number? Income Tax Department releases top 10 points According to Babbar, the QR code integration with PAN Card offers several advantages to taxpayers:
Strengthened Security Features: The incorporation of QR code technology in the new PAN card significantly reduces vulnerability to duplication or alteration. The encrypted personal information within the QR code is accessible solely to authorised personnel with specific software. This security measure prevents fraudsters from modifying names and photographs whilst retaining the original PAN number. Financial institutions can utilise the QR code to authenticate the printed information.
Efficient Authentication Process: Identity verification becomes streamlined through the QR code scanning feature on the updated PAN card. The immediate verification process serves as protection against identity theft and impersonation. This functionality proves particularly valuable during financial transactions by reducing errors and fraudulent activities.
Current Information Maintenance: The upgraded PAN card ensures user details conform to the Income Tax Department’s latest formatting requirements.
Regulatory Adherence: Users who obtain the redesigned PAN card align with the government’s updated identification protocols, supporting a more secure financial system.
Fraud Prevention: The technical complexity involved in accurately reproducing QR codes creates a significant barrier for fraudsters attempting to duplicate PAN cards.
Ratan from Signzy, Ratan, explains that the new PAN card design incorporating a QR code represents a crucial advancement in fraud prevention and regulatory adherence. The QR code technology provides enhanced security and verification capabilities by storing encrypted information about the cardholder. The sophisticated encryption makes PAN card replication virtually impossible, as the QR code verification requires authorised software, confirming the card’s authenticity and proper ownership, he says. A contrasting perspective comes from Sandeep Jhunjhunwala of Nangia Andersen LLP, who notes, “Printed PAN cards carry QR code on them, now as well. Hence, while an upgrade to a new PAN card could be done anytime, it may not necessarily mean that under PAN 2.0 project, this would always protect the taxpayer against any potential fraud. The new system is expected to include features such as mandatory Aadhaar linkage, real-time validation and advanced data analytics, all of which could potentially help in identifying and preventing frauds. However, it remains unclear now as to how effectively these features would address the potential of fraud. As PAN 2.0 evolves, stakeholders could watch out for further updates from the authorities to understand how these features would be implemented and whether additional measures would be introduced to specifically tackle the menace of financial frauds.”
New Delhi: The Employees Provident Fund Organisation (EPFO) has said that employees who are quitting their jobs are not required to have a new UAN (Universal Account Number).
“Critical Information! Employees are not required to generate a new UAN when leaving their old employment. A member cannot have more than one UAN. There is no requirement for having a fresh UAN at all, in any case of unemployment or change of employment,” the EPFO has tweeted.
Every employee of an organization with an active PF account is alloted a UAN. Retirement fund body EPFO has made Universal Account Number (UAN) mandatory for all employers covered under the Employees Provident Funds and Miscellaneous Provisions Act 1952.
With UAN you can you can easily access your PF profile and download online passbook, request for transfer and change. To avail these benefits you must create login by visiting UAN Homepage.
Here is how to Generate Direct UAN via EPFO Portal
Visit this official EPFO link https://unifiedportal-mem.epfindia.gov.in/memberinterface/
On the right hand side, click on Direct UAN Allotment by Employees
Provide your Aadhaar linked mobile and enter Captcha and click on Generate OTP
Enter OTP recieved on Aadhaar linked moile and click on Submit button
Now select YES for “Are you employed in any private company/factory/establishment. If NO is selected, system will redirect you to the home page
Now select the appropriate EMPLOYMENT CATEGORY from the drop down list
If EMPLOYMENT CATEGORY is selected as “In the establishment/company/factory” covered under EPFO, system will prompt for PF Code number, otherwise system will prompt to entre the details of the establishment
System will display the details fo establishment. Now you will have to enter date of joining and select the IDENTITY PROOOF TYPE and upload the copy of the “Identity Proof Type” selected
Now enter your Aadhaar or virtual ID and captcha and click on generate OTP
Submit the OTP recieved on your phone
System will fetch the details from UIDAI. Now click on REGISTER button
Left-leaning Social Democratic Party to hold parliament, but Alliance for Uniting Romanians makes big gains.
Romania’s governing left-wing party is set to keep its majority in parliament following general elections, but will face off against a resurgent far-right opposition with an increased number of seats.
Incomplete election results on Sunday showed the governing Social Democratic Party (SDP) with 24 percent of the vote and the hard-right Alliance for Uniting Romanians with about 18 percent.
The National Liberal Party, a Christian democratic party and member of the SDP’s governing coalition, had 14 percent of the vote, and the reformist Save Romania Union was on 10 percent.
The election is on track to have the highest voter turnout for a parliamentary election in 20 years, with polling indicating that more than 52.3 percent of eligible voters – more than 9 million people – voted for their next prime minister and parliament, according to government figures.
Final results will not be known until election officials count ballots from the hundreds of thousands of Romanians who live abroad, who are expected to lean towards conservative parties.
The election comes at a time of growing support for ultra-nationalist and anti-establishment parties that pose a challenge to Romania’s pro-European Union and pro-Ukraine stances under the current governing coalition.
Romania is a member of NATO and has strongly supported Ukraine in its efforts to counter Russia’s invasion, including by recently announcing plans to donate one of its Patriot Missile Systems to its neighbour.
Other issues in the election campaign included Romania’s deficit, which at 8 percent of gross domestic product (GDP) is the highest in the EU.
Romanian voters last week stunned international observers by backing hard-right populist Calin Georgescu in the first round of voting for Romania’s next president.
Georgescu, 62, was predicted to win less than 10 percent of votes, but beat left-leaning reformist Elena Lasconi, 52, and Prime Minister Marcel Ciolacu, 57.
He will next face off against Lasconi in a second round of voting on December 8.
An independent, Georgescu was previously affiliated with the Alliance for Uniting Romanians and has attracted controversy with his praise of past ultra-nationalist and fascist Romanian leaders.
He has also praised Russian leader Vladimir Putin, describing him as “a man who loves his country”, and described Ukraine as “an invented state”, according to Romanian media.
Georgescu’s success has been attributed, in part, to his effective use of the video-sharing platform TikTok, where he has amassed some 274,000 followers and more than 3.7 million views.
During his campaign, he used the platform to argue that Romania, which shares a 650km (404-mile) border with Ukraine, should follow a path to “peace” and end its involvement in the war in Ukraine.
Ukraine is a former state of the Soviet Union, while Romania was a so-called satellite state, influenced by the Soviet government in Moscow.
Georgescu’s online support has come under scrutiny for unusual activity that suggested the use of bots ahead of the election by organisations like Expert Forum, a pro-democracy Bucharest-based think tank.
Lasconi has warned voters that Romania is now in “a historical confrontation between preserving Romania’s young democracy” and those who want to “return Romania to the Russian sphere of influence”.
Kizza Besigye says he should not be tried in a military tribunal as he is a civilian
The mysterious detention of Uganda’s opposition leader Kizza Besigye while on a visit to Kenya nearly two weeks ago has sparked widespread condemnation and fears of a clandestine exchange of intelligence between the two neighbours.
Besigye’s allies and wife have come out to reveal harrowing details of how the opposition chief was apparently lured to meet his abductors, said to have disguised themselves as Kenyan security agents.
Reports say he was spied on from the time he boarded a plane at Entebbe airport in Uganda for Kenya’s capital, Nairobi, where he was picked up, before somehow being transferred to a military court back home without any extradition proceedings.
While Kenya insists it played no role and is investigating the incident, Uganda holds that Kenya was fully aware of the plan, citing intelligence correspondence aimed at tracking Besigye down.
As he is due to return to military court in Kampala, we piece together what we know so far.
Who is Kizza Besigye?
Besigye has contested and lost four presidential elections against President Yoweri Museveni, who has been in power since 1986.
He has been less active in politics recently, and did not contest the 2021 election.
But earlier this year, he formed a new party, the People’s Front for Freedom (PFF) after breaking away from the Forum for Democratic Change (FDC), which he founded two decades ago.
The opposition politician has for years travelled to Kenya and moved freely, sometimes to attend high-profile events – even while he remained Museveni’s main challenger and biggest critic.
What led up to Besigye’s disappearance?
This time, Besigye travelled to Nairobi to attend the launch of a book by Kenyan opposition politician Martha Karua.
The 68-year-old landed in the city on the morning of 16 November and took a taxi to his hotel in the affluent suburb of Hurlingham. He was accompanied by long-term ally Hajj Obeid Lutale.
A few hours later, he left the hotel, boarded a taxi and headed to Riverside Drive, some 5km (three miles) from his hotel, for a private meeting, according to his political allies.
This was the last time he was seen until he re-emerged in Uganda four days later.
AFP
Besigye (R), seen here in court in 2005, has been on trial many times in Uganda
His taxi driver said he waited for the veteran politician for more than 12 hours, before deciding to leave when he was unable to phone him.
Besigye’s team in Uganda started relaying distress calls after their leader’s mobile phones went unanswered.
His disappearance hit the headlines and raised eyebrows in the region, with his wife Winnie Byanyima, the head of the UN’s organisation to tackle HIV and Aids, taking to social media to report that her husband had been “kidnapped” in Nairobi.
The next day, his reserved seat at the book launch, where he was expected to be the guest speaker, remained empty with organisers raising the alarm about his absence.
How was Besigye picked up?
Besigye and his friend Lutale arrived at the apartment along Riverside Drive where he was due to meet an unidentified Ugandan national and another unknown British national, according to Ms Byanyima.
The British national supposedly wanted to introduce Besigye to a group of colleagues and businessmen, who had expressed an interest in financially backing the PFF, she said.
In the room there was a box of what appeared to be a stash of money. One of the hosts had two guns.
Shortly after a brief introduction, eight men in plain clothes who said they were Kenyan police officers knocked on the door and told Besigye and his associate they were under arrest, Ms Byanyima told Kenya’s Citizen TV.
The opposition chief tried to explain he had nothing to do with the items in the room, but the security agents did not listen.
Four of the men bundled Besigye and Lutale into a car with Kenyan number plates and drove them under the cover of night towards the border with Uganda.
“It was clearly an operation well planned,” Ms Byanyima added.
AFP
Besigye was said to have been driven to the Malaba border post in western Kenya, before crossing to Uganda
Before crossing over to Uganda, the four men switched from speaking Swahili and started talking in the Ugandan languages, Luganda and Runyankole.
The two held captive were ferried to Uganda without their belongings, including their passports, which were later picked up by Besigye’s party officials from the Nairobi hotel.
PFF spokesperson Ibrahim Ssemujju Nganda told Uganda’s Monitor newspaper that Besigye and his friend went through the Malaba border post without stopping for routine security checks.
“They only changed vehicles. The four-wheel drive vehicle with the Kenyan number plate was left at the Malaba border post and moved to another vehicle with [a] Ugandan number plate,” he said.
Why was Besigye picked up in Nairobi and was he set up?
Uganda’s Information Minister Chris Baryomunsi said detectives had gathered enough intelligence to arrest Besigye while in Nairobi.
He said the Kenyan authorities had enabled the cross-border operation, even though officials in Nairobi insist they knew nothing about it.
Besigye is now being tried in Kampala and not Nairobi because the crime that was planned was “against Uganda and not Kenya”, Ugandan army spokesman Brig Gen Felix Kulayigye told the BBC’s Africa Daily podcast.
“We have a legal framework with our counterparts in Kenya to deal with matters that threaten regional security,” he added.
However, he did not explain why there was no extradition process.
Reports indicate that Besigye’s arrest had been planned for months and was executed with the help of some people who were close to him.
Organisers of the meeting are said to be a British national and a senior official of the Ugandan army, both of whom were well known to Besigye, Ugandan media reported.
His wife alleged the British national who was in the meeting was a “paid operative who tried to plant guns” on Besigye.
Why is Besigye facing a military court?
Over the decades, hundreds of civilians have been tried in Uganda’s military courts, even though the Constitutional Court has ruled against the practice.
Besigye, who is no stranger to appearing in military courts, is back there because he subjected himself to military law, Brig Kulayigye told the BBC.
Last week, he and his co-accused were arraigned at the Makindye military court after being held incommunicado for four days.
They are facing four charges which include being found with two pistols and ammunition, and seeking to buy weapons from foreigners in the Swiss city of Geneva, the Greek capital, Athens, and Nairobi.
The two denied all charges.
AFP
Besigye was greeted by supporters after appearing in court on 20 November
Besigye objected to being tried by a court martial, saying that if there were any charges against him, he should be tried in a civilian court.
His lawyers also argued that the alleged offences were committed outside Uganda and therefore they were arraigned in the court martial illegally.
But the court overruled the lawyers and allowed the hearing to continue.
The accused were remanded at Luzira maximum prison until 2 December.
Agather Atuhaire, a Ugandan lawyer and a human rights activist, told the BBC that Kenya should have arrested Besigye and extradited him to Uganda following the laws that govern the process.
Ms Byanyima said she did not expect her husband to get justice.
But Brig Kulayigye said the court martial “is not a kangaroo court”.
“Justice will be served.”
Has the matter affected relations between Kenya and Uganda?
Kenyan authorities have swung between denying any knowledge of the operation and remaining silent, while Ugandan officials say that a lot of intelligence was shared between the two countries.
“The government of Uganda was in touch with the government of Kenya. Otherwise, how would you arrest somebody in the middle of Nairobi and then bring him back to Uganda, whether through the airport or land, without the full knowledge and support of the state there in Kenya?” Information Minister Baryomunsi told Uganda’s NBS TV.
Many Kenyans are asking about the nature of security ties between the two countries and if there was a full disclosure that Besigye would be charged in a military court.
Last Tuesday, Kenya’s acting Foreign Affairs Minister Musalia Mudavadi refrained from giving clear answers to journalists, pleading that his country should not be judged “too harshly”.
Mudavadi, who is also the acting interior minister, said Kenya was an open country, which allowed “a lot of latitude”. But he warned foreigners against causing a rift between Kenya and their home countries.
He said Besigye’s matter would be resolved diplomatically, describing Uganda as Kenya’s “strong partner”.
The acknowledgement by Uganda that Kenya was involved in the abduction has left the Kenyan government facing a backlash both in Uganda and back home.
Some Ugandans have held protests outside the Kenyan embassy in Kampala while others have threatened to boycott Kenyan brands.
Besigye’s detention follows a string of high-profile abductions and disappearances in Kenya, including the forced deportation of four Turkish refugees to Ankara, where they faced allegations of conspiring against President Recep Tayyip Erdogan.
