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The trends in the food service industry are expected to turn towards online ordering, changed customer perceptions about product consumption and services with increased prominence on hygiene and safety, according to Jubilant FoodWorks. This will be with an exponential increase in the use of digital solutions as the world deals with the concept of contact-less interaction among people, the company said in its latest annual report. Jubilant FoodWorks (JFL) is the countrys leading quick service restaurants (QSR) operator and master franchise of brands such as Dominos and Dunkin Donuts. Besides, the rising presence of international brands, stronger back-end infrastructure, acceptance of new cuisines, changing lifestyles and aspirations, and the rise of entrepreneurial ventures will fuel growth, it added. It is expanding rapidly due to the high percentage of the young and working population, increased frequency of eating out amid time-pressed schedules, and the growing influence of cross-cultural dietary patterns, owing to the strong presence of international brands, JFL said. The Indian food service industry witnessed exceptional growth in the past decade, it said. Talking about the outlook, JFL said the Indian economy is navigating uncertain times with policy reforms. Moreover, pro-investment measures such as reduced tax rates on new capital investment, lowered interest rates and easy credit dissemination, among others, will yield benefits in the medium-to long-run. Consumption cycle can only be re-invigorated by putting more money in the hands of consumers, it added. Rising population, growing income levels and evolving consumer preferences and lifestyles have opened promising prospects for the food of certain standard and quality, it said. JFL, part of the Jubilant Bhartia group, operates brands like Dominos Pizza, Dunkin Donuts and Hongs Kitchen. It recently added Indian cuisines like biryani and kebabs by launching Ekdum. It has also signed a master franchise and development agreement with Popeyes, an American multinational chain of fried chicken fast-food restaurants, for markets as India, Bangladesh, Nepal and Bhutan. Factors like younger demographics, increased participation of women workforce, India-centric offerings, value pricing, online food ordering and food delivery are going to be demand drivers of the industry, it said. This will be also helped by the growing acceptance of online delivery in smaller tier-II, III and IV cities. This is particularly led by an increase in the percentage of working population in these cities. These cities have already started to see increased traction in the adoption of online food ordering apps, the report said. JFL said Indias urban cities, across all economic classes, are increasingly opting to eat out during leisure outings. This trend is most popular among the millennial age group between 15 and 34 (around 447 million, 34 per cent of the population). India has the highest number of millennials globally, and the population is expected to grow faster than other groups, which is likely to encourage eating-out behaviour among Indian consumers, JFL said, citing a Technopak report. Moreover, the proportion of women workforce in India has been rising, majorly in the urban areas. Due to these factors, families order more multi-cuisine food via online channels and eat out, thereby contributing to the QSR markets growth, it said, adding value-conscious Indian customers have found interest in combos and value meals common across QSR chains. As on March 31, 2021 JFL was operating 1,360 restaurants of Dominos Pizza and 24 of Dunkin Donuts. Its revenue from operations was Rs 3,268.87 crore in FY21.
Bhavinaben Patel continued to script history as she became the first Indian to enter the final of a table tennis event in the Paralympics with a hard-fought 3-2 win over Chinas Miao Zhang in a class 4 semifinal here on Saturday. The 34-year-old Patel, who had surprised even the Indian camp in this Paralympics with her sensational show, stunned her world no. 3 Chinese opponent 7-11 11-7 11-4 9-11 11-8 in the semifinal showdown that lasted 34 minutes. She will take on world number one Chinese paddler Ying Zhou in the summit clash on Sunday. Daughter of Hasmukhbhai Patel, a small time shopkeeper at Sundhiya village in Gujarats Mehsana district, she was not considered a bright medal prospect coming into the Games but she has made her maiden Paralympics a memorable one. When I came here, I just thought that I would give my 100 per cent without thinking of anything. If you give 100 per cent, the medal will come, that was what I thought, said Patel, who was diagnosed with polio when she was a 12-year-old. If I continue with this confidence with the blessings of the people of my country, I think I will win gold tomorrow. I am ready for the final and I have to give 100 per cent in the final also. Patel, who plays in a wheelchair, lost the opening game in a tight contest. But, she made a strong recovery, claiming the next two games to take a 2-1 lead. Patel was in great touch as she needed only four minutes to wrap up the third game. In the fourth game, Zhang showed her class not giving Patel the bragging rights just yet as the match headed into the decider. In the deciding fifth set, Patel quickly raced to a 5-0 lead. But the Chinese made a strong comeback. Trailing 5-9, Zhang won three successive points to make it 8-9. In a bid to gather herself, Patel took a time-out after which there was no stopping her. Armed with two match points, she notched up the win, extending her purple patch. This was Patels first victory against the former world number one Zhang. The two players had met 11 times before. Patel will face a tough challenge from Zhou in the gold medal match. She had gone down tamely (3-11 9-11 2-11) to the Chinese player in her opening group match on Wednesday. In the quarterfinal on Friday, Patel had defeated 2016 Rio Paralympics gold winner and world number two Borislava Peric Rankovic of Serbia to clinch a medal and script history. Athletes in Class 4 category have fair sitting balance and fully functional arms and hands. Their impairment may be due to a lower spinal-cord lesion or cerebral palsy. Patel started playing the sport 13 years ago at the Blind Peoples Association at Vastrapur area of Ahmedabad where she was a student of ITI for people with disabilities. There, she saw visually impaired children playing table tennis and decided to take up the sport. She won her first medal in a competition while representing Rotary Club in Ahmedabad where she is settled now after her marriage to Nikunj Patel, who has played junior cricket for Gujarat. She reached world number two ranking in 2011 after winning a silver medal for India in PTT Thailand Table Tennis Championship. In October 2013, Patel won another silver in the womens singles Class 4 at the Asian Para table tennis championships in Beijing.
A team of Arctic researchers from Denmark say they accidentally discovered what they believe is the worlds northernmost island located off Greenlands coast. The scientists from the University of Copenhagen initially thought they had arrived at Oodaaq, an island discovered by a Danish survey team in 1978, to collect samples during an expedition that was conducted in July. They instead wound up on an undiscovered island further north. We were convinced that the island we were standing on was Oodaaq, which until then was registered as the worlds northernmost island, said expedition leader Morten Rasch of the universitys department of geosciences and natural resource management. But when I posted photos of the island and its coordinates on social media, a number of American island hunters went crazy and said that it couldnt be true, he said in a statement on Friday. Island hunters are known as adventurers whose hobby it is to search for unknown islands. The yet-to-be-named island is 780 meters (about 850 yards) north of Oodaaq, an island off Cape Morris Jesup, the northernmost point of Greenland and one of the most northerly points of land on Earth. The tiny island, apparently discovered as a result of shifting pack ice, is about 30 by 60 meters (about 100 by 200 feet) in size and rises to about three to four meters (10 to 13 feet) above sea level, the university said. The research team reportedly doesnt consider the discovery to be a result of climate change and has allegedly proposed naming the island Qeqertaq Avannarleq, which means – the northernmost island – in Greenlandic. The island consists primarily of small mounds of silt and gravel, according to Rasch. He said it may be the result of a major storm that, with the help of the sea, gradually pushed material from the seabed together until an island formed. The island isnt expected to exist a long time, Danish researchers believe. No one knows how long it will remain. In principle, it could disappear as soon as a powerful new storm hits, Rasch said.
By Sunil K. Parameswaran Securities may be negotiable or non-negotiable. Equity shares are negotiable. Some debt securities such as Treasury Bills and Treasury Bonds are negotiable. Others like fixed deposits are not. For instance, let us say that you have an FD for Rs 2,00,000 with ICICI Bank and owe me that much. You cannot sign on the FD receipt and say transferred to someone else. You will have to close the FD, receive the proceeds in your savings account, and then do an online transfer or issue a cheque. This is because an ordinary FD receipt is non-negotiable. Certain large denomination FD receipts are negotiable in the money markets. These are called Negotiable Certificates of Deposit or NCDs. Securities registered or bearer Securities may be registered or bearer. In the case of the former, there is a record of the number of units held by a holder and the identity of the holder. Each time there is a transaction the register is updated. In the case of bearer securities, however, there is no record of ownership. It is like possessing a currency note. If you drop a Rs 500 note on the floor, there is no way that you can prove that it belongs to you. Eurobonds, which are bonds issued in a country, in a currency other than its national currency, are usually bearer. Securities have an associated settlement cycle. This refers to the length of time taken for the buyer to receive the securities, and the seller to receive the funds, after the date of the transaction. Indian equity markets have a T+2 settlement cycle. Which means, if a party in Bengaluru sells shares to a party in Mumbai on a Monday, the former will receive the cash on Wednesday and the latter will receive the securities on Wednesday as well, assuming there are no intervening market holidays. Settlement cycle The settlement cycle may vary from market to market and in the same market from product to product. For instance, T-bills may have a T+1 settlement cycle, while T-bonds may have a T+3 settlement cycle. Certain markets are so small that there is T+0 settlement T+N settlement is referred to as Rolling Settlement irrespective of the value of N. The terms Buy side is used primarily to refer to institutional participants such as mutual funds, pension funds, hedge funds, and insurance companies. Sell side is used for the brokers and dealers who facilitate trades in the market. The implication is that the former are seeking to buy the services of the exchange, while the latter are selling the services of the exchange. Note, buy side and sell side have nothing to do with the buying and selling of securities. That is, a buy side trader may sell securities, while a sell side trader may buy securities. A party who is acquiring a security is said to be taking a long position, whereas if a party borrows and sells a security, and consequently has a commitment to buy in the future, he or she is said to have a short position. The writer is CEO, Tarheel Consultancy Services
Seagate is launching its FireCuda Expectedly, the FireCuda Seagate claims the PC options offer the Both versions will be available in 500GB, 1TB and 2TB configurations. The FireCuda They will be sold via authorised reseller partners starting from September 2. Seagate says the FireCuda The FireCuda They will be sold via authorised reseller partners and Amazon by September-end. Also Read | PlayStation 5 versus Xbox Series X: Seagate storage expansion card tips the scales in Microsoft Next to SATA-based SSDs, they are claimed to offer a 12x performance jump. More specifically, the FireCuda The SSDs also come with a three-year Rescue Data Recovery Service plan
Even as the vaccination drive in the country has picked up a steady pace in the past few months, there is a small section of vulnerable population for whom vaccination is a big challenge. In a unique initiative a few organisations in Pune have come forward to vaccinate the poorest and most vulnerable lot in the city against Coronavirus. Helmed by the Balasaheb Deora Polyclinic, Pune Platform for Covid-19 response and vaccine maker Serum Institute of India, the initiative is making vaccines available to auto-rickshaw drivers, domestic workers, drivers, labourers and daily wage workers in the city, the Indian Express reported. In total the initiative is aiming at vaccinating 5 lakh people from the economically depressed sections in the city. Manoj Pochat who is the coordinator of the drive and the sampark pramukh of Rashtriya Swayamsevak Sangh (RSS) told the Indian Express that the drive was launched on August 15 and will be expanded to the residential slums, EWS colonies and other areas of the city. Pochat also said that help from community-based organisations along with NGOs will also be taken in identifying the beneficiaries and vaccinating them against Coronavirus. Pochat described the motto of the initiative to reach people of the downtrodden sections who find it difficult to reach the vaccination centres for a variety of reasons. He also said that a total of 15 NGOs and local organisations have been roped in under the initiative who will join forces with the initiative to maximise the reach of vaccines. While the government has aimed at making the vaccination process most accessible and easily available in all parts of the country, there is a large number of people who are unaware about the vaccination procedure and hesitate to reach out to the vaccination centres.
Drugs Controller General of India (DCGI) has directed all the manufacturers of Fixed Dose Combinations (FDCs) – Cefixime + Cloxacillin, Cefixime + Cloxacillin + Lactobacillus and Cefadroxil + Clavulanic acid to manufacture and market these FDCs as per the indication approved as per the directions of Bombay High Court (HC), Nagpur Bench, Maharashtra. With regards to the FDC- Cefadroxil + Clavulanic acid, manufacturers have been directed to submit the protocol for conducting in-vitro study to prove the efficacy of this combination to this office for approval. While reviewing the directions of the Bombay HC, Nagpur bench on following FDCs which are already approved by the DCGI in specific dosage forms and strengths, Drugs Technical Advisory Board (DTAB) in its meeting held on August 27, 2019 also referred these FDCs to the Prof. Kokate Committee. As per the report of DTAB dated April 13, 2021 and recommendations of the subcommittee of DTAB as approved, the specified FDCs have been considered as rational with certain conditions. As regard to the FDC of Cefixime + Cloxacillin and FDC of Cefixime + Cloxacillin + Lactobacillus, these have been considered as rational if Cloxacillin is in sustained release form in twice daily doses schedule. The indication of the FDC should be restricted to skin and soft tissue infections. As regard to the FDC of Cefadroxil + Clavulanic acid, firms should prove the efficacy of the combination by conducting in-vitro study in Good Laboratory Practice (GLP) complied laboratory for all the approved indications with respect to the infections caused by susceptible microorganisms including S aureus. The study should compare cefadroxil alone and also in FDC form. Accordingly, the study protocol should be submitted for approval within 3 months of the notification. The copy of the notice has also been sent to the Central Drugs Standard Control Organisation (CDSCO) Zonal and Sub-Zonal offices, Drug Manufacturing Associations like
In a temporary relief, cash-starved Uttar Pradesh Power Corporation (UPPCL) received a loan of Rs 4,900 crore late on Thursday night from the two state-run power sector lenders Power Finance Corporation and REC. The amount was immediately used to partially clear the dues of generating companies (gencos), whose dues were running over 45 days. Among those whose dues were cleared were state generating giant NTPC, PGCIL, independent private power producers as well as cogenerating units run by sugar mills. While Rs 1,100 crore were given to NTPC, Rs 1,045 crore were given to Bajaj group generating company Lalitpur Power Generation company. Rs 350 crore were given to PGCIL, while NHPC was given Rs 100 crore. Apart from this, Rs 300 crore were used to pay off the entire dues of the sugar cogen units. Following the payment, State-run power generating company NTPC, which had snapped 275 MW power from Uttar Pradesh from August 20 for not clearing dues that had been outstanding for more than 45 days, withdrew its notice regulating power supply to Uttar Pradesh. In a communication to the chairman of UPPCL Speaking to FE, M Devraj confirmed the payments made to the gencos and stated that while this is a temporary relief, the real challenge is to increase the revenue collection. The real issue is to increase revenue collection. We are trying to follow it up by introducing energy auditing, through which we will have feeder metering. Online monitoring of energy consumption will ensure accountability. Right from billing to collection to supply, everything will be monitored online, The Uttar Pradesh Power Corporation had been looking forward to the disbursement of Rs 4,900 crore from PFC-REC to clear the outstanding dues of more than 45 days of central generating stations (CGS), independent power producers (IPPs) and renewable energy (RE) generators. As on July 31, 2021, UPPCL Dues payable to RE generators are Rs 388 crore, while those of state generating stations are Rs 15,128 crore.
Reliance Industries will by 2030 create or enable capacity to generate at least 100 gigawatts of electricity from renewable sources, which can be converted into carbon-free green hydrogen, its chairman Mukesh Ambani said Friday as he outlined a 1-1-1 vision to bring down the cost of hydrogen to under USD 1 per 1 kg in 1 decade. The focus on generating electricity from renewable sources of energy such as solar and wind -will help cut carbon emissions in the worlds third-largest greenhouse gas emitter. The same electricity, when converted into green hydrogen, can replace petrol and diesel in automobiles and other fuels in the industry, helping cut down on the use of fossil fuels, carbon emissions and reduce import dependence. Speaking at the International Climate Summit 2021, Indias richest man said Reliance will pursue the target of bringing down the cost of making green hydrogen to under USD 2 per kg initially and ultimately to bring it down to under USD 1 per kg in a decade. Green hydrogen produced with renewable resources costs between about USD 3 per kg and USD 6.55 a kg. With abundant sunlight, India can generate over 1,000 GW of solar energy on just 0.5 per cent of landmass, he said, adding that the nation has already achieved the 100 GW of installed renewable energy capacity and the target of 175 GW by December 2022 is now well within sight. Further, the nation is targeting 450 GW of renewable energy by 2030. Green Hydrogen is zero-carbon energy. It is the best and cleanest source of energy, which can play a fundamental role in the worlds decarbonisation plans, he said. Hydrogen is the latest buzz for meeting the worlds energy needs. Being the cleanest form of energy, it can be produced from a variety of resources, such as natural gas, biomass, and renewable power like solar and wind. It can be used in cars, in houses, for portable power and in many more applications. Green hydrogen is derived from water electrolysis using renewable energy such as solar or wind. Ambani said hydrogen has a high gravimetric energy density and can be reconverted into electricity and heat with zero emissions. Although the costs of hydrogen from electrolysis today are high, they are expected to fall significantly in the coming years. New technologies are emerging for hydrogen storage and transportation, which will dramatically reduce the cost of distribution, he said. He said efforts are on globally to make green hydrogen most affordable fuel option by bringing down its cost to initially under USD 2 per kg. Let me assure you all that Reliance will aggressively pursue this target and achieve it well before the turn of this decade, he said. I am sure that India can set even more aggressive target of achieving under USD 1 per kg within a decade. This, according to him, will make India the first country globally to achieve USD 1 per 1 kilogram in 1 decade – the 1-1-1 target for green hydrogen. Calling climate change the most daunting challenge facing human civilisation that can threaten the very existence of life on the planet if uncontrolled, Ambani said the only option is rapid transition to a new era of green, clean and renewable energy. India, he said, is determined to achieve azadi (independence) from dependence on fossil energy and become aatmanirbhar (self-reliant) in new and renewal energy. India spends USD 160 billion every year on import oil and gas to meet its energy needs. And its energy needs will only grow. Although Indias per capita energy consumption and emissions are less than half the global average, we are the worlds third-largest emitter of greenhouse gases, he said. Because climate change is a global problem, the clean energy transition calls for the widest possible global cooperation in technology development, investments and fair market access. Outlining the oil-to-telecom conglomerates clean energy plans, he said Reliance has already started developing the green energy complex in Jamnagar in Gujarat with an investment of Rs 75,000 crore. Last year, I had announced our ambitious commitment to make Reliance a net carbon zero company by 2035. This year, I presented our strategy and roadmap for the new energy business, which will be the next big value creation engine for Reliance and India. We have started developing the Dhirubhai Ambani Green Energy Giga Complex over 5,000 acres in Jamnagar. It will be amongst the largest integrated renewable energy manufacturing facilities in the world. This complex will have four Giga Factories, which cover the entire spectrum of renewable energy, he said. The four Giga factories will include an integrated solar photovoltaic module factory, an advanced energy storage battery factory, an electrolyser factory for the production of Green Hydrogen, and a fuel cell factory for converting hydrogen into motive and stationary power. Over the next three years, we will invest Rs 75,000 crore in these initiatives. Reliance will thus create and offer a fully integrated, end-to-end renewables energy ecosystem to India and Indians, he said. Prime Minister Narendra Modi has set the goal to reach 450 GW of renewable energy capacity by 2030. Out of this, Reliance will establish and enable at least 100 GW of solar energy by 2030, he stated. This, he said, will create a pan-India network of kilowatt and megawatt-scale solar energy producers who can produce green hydrogen for local consumption.
Digital advances have made various financial transactions seamless – all one needs is a computer or a smartphone and an internet connection. This also goes for applying for any type of loan, including a home loan. The traditional offline route, in comparison, is time-consuming and also becomes inconvenient, as one is required to commute along with ones documents to the offices of the loan provider. Most home loan providers have now facilitated making the application for a home loan through their website. An applicant can register on the website of the lender, fill in the application and submit it along with his\/her documents in electronic form. The borrower will also be able to make the loan application payment online too. While applying for a home loan, one can visit the website of the home loan provider and use the home loan eligibility calculator to find out the loan amount one is eligible for. For first-time homebuyers, usually, there are various deals and offers that one can take advantage of. Additionally, due to low credit score, or income restraint or high debt-to-income ratio, or any other failure to meet the loan eligibility criteria, if one is denied the amount that he\/she needs to borrow, experts say, taking a joint loan could help. Be it with a family member or a close relative, taking a joint loan increases the eligibility to get that loan. Note that the loan approval process could also get easier, for a joint home loan with a co-applicant who has a better credit profile. It can boost the chances of the borrowers loan getting approved, at the same time one can also be eligible for a higher amount. By comparing loans from various lenders, not only will you be able to get the best interest rate but also keep the overall interest cost low till the end of the home loan tenure. Do Go through the list of documents required in advance. Research about the type of home loans available. The borrower should be clear about the type of loan needed – home loan, home improvement loan, home extension loan, plot loan, etc. A must for first-time borrowers – read the frequently asked questions (FAQs) before starting the loan application process. For any further queries, one could use the online chat facility to get direct help. All the details that are needed by the loan provider to process the application need to be provided truthfully. Don One should try to complete the loan application process in one go and not in stages. Take time and sit for the application. One needs to have all their document ready – do not leave out submitting important documents. A borrowers CIBIL score has an impact on their loan application. Hence, one should not ignore the CIBIL score while making the loan application.