Top 20 Organic Food Brands in India

The idea of standing in a queue at a bank branch just to submit a loan application feels almost outdated now. Today, you can apply for personal loans online entirely from your phone or laptop, without ever stepping outside your home or office.

Why branch visits are no longer necessary

Digital verification systems, e-KYC, and online document uploads have replaced the need for physical paperwork almost entirely. Lenders can now verify your identity, income, and creditworthiness remotely, making the entire process faster and significantly more convenient for borrowers.

What you need before you start

Keep your PAN card, Aadhaar number, and recent salary slips or bank statements ready in digital format. Make sure your mobile number linked to Aadhaar is active, since most verification steps rely on OTP confirmation sent to this number.

The application process explained simply

You begin by filling in your personal and employment details on the lender's website or app. Next, you specify the loan amount and tenure you are looking for. Following this, you complete e-KYC verification, after which the lender reviews your application and provides a decision.

Checking your eligibility for a personal loan first

Before formally applying, it is worth checking your eligibility for a personal loan through a quick online calculator. This step typically only involves a soft inquiry, meaning it does not affect your credit score, and gives you a realistic sense of what you might qualify for.

How long does the entire process take

For applicants with clean documentation and a strong credit profile, many lenders provide approval decisions within a few hours, with disbursal following soon after acceptance of the loan terms. Even more complex profiles rarely take longer than a couple of days.

Verifying the lender before applying

Since the entire process happens online, it is important to apply for personal loans online only through verified, reputable platforms. Check for proper licensing information, read reviews from other borrowers, and avoid any lender asking for upfront payments before disbursal, which is a common red flag.

Signing the agreement digitally

Once approved, you will review and accept the loan agreement digitally, often through an e-signature process. Take the time to actually read through the terms rather than scrolling straight to the signature, since this document outlines your interest rate, fees, and repayment schedule clearly.

Tracking your application status

Most digital lenders provide a dashboard or status tracker, letting you monitor exactly where your application stands, whether it is under review, approved, or awaiting your final confirmation, without needing to call customer support repeatedly.

What to do if your application is rejected

If your application does not go through, do not panic. Ask the lender for the specific reason, work on improving that aspect, whether it is your credit score or debt-to-income ratio, and consider reapplying after a few months rather than immediately trying multiple other lenders in quick succession.

Final thoughts

Branch visits, paperwork, and long waiting periods are increasingly becoming a thing of the past. With the right documents ready and a verified platform chosen, you can complete your entire borrowing journey from the comfort of your home, saving both time and unnecessary hassle.

Health insurance requirements naturally evolve over time. A plan that was once perfect may become less relevant due to rising costs, inadequate coverage, or poor customer service.

To protect policyholders, the Insurance Regulatory and Development Authority of India (IRDAI) governs health insurance portability. This framework allows you to switch your insurance provider or alter your plan while fully preserving your hard-earned advantages, such as waiting period credits, Pre-Existing Disease (PED) coverage, and continuity benefits.

Health insurance is one of the most essential financial safeguards a person can have, protecting against the rising cost of medical treatments, hospitalisation, surgery, and post-operative care. Whether you are an individual, a working professional, or a business owner, Health insurance ensures that a sudden illness or accident does not wipe out your savings or push you into debt. Star Health offers a range of Health insurance plans tailored to different life stages, coverage needs, and budgets — from individual plans to comprehensive family floaters. When chosen correctly, Health insurance provides not just financial protection but also peace of mind, knowing that you and your loved ones can access quality healthcare without delay. Reviewing your Health insurance options regularly as your family and income grow helps ensure your cover keeps pace with your evolving medical needs.

1. Core Benefits of Porting Your Policy

Porting is more than a simple carrier switch; it is a strategic way to optimize your healthcare safety net without starting your insurance timeline fresh. Key benefits include:

Continuity of Waiting Periods: Any time you have already served under your previous insurer carries over. You do not have to restart waiting periods for specific illnesses or pre-existing conditions.

No Claim Bonus (NCB) Protection: Your accumulated NCB or cumulative bonus from the previous plan can often be transferred. This can be added to the sum insured of the new policy to strengthen your overall safety net.

Enhanced Coverage and Service: Porting gives you the freedom to move to an insurer providing broader coverage options (such as wellness benefits, modern treatments, or zero co-payments) or more responsive customer support and smoother claim processing.

No Hidden Porting Fees: There is no distinct administrative charge or extra premium applied simply for processing a porting request. You only pay the premium rate required by the new policy itself.

2. Step-by-Step Guide to the Porting Process

Portability cannot be executed mid-term; it is only available at the time of your annual renewal. To ensure a seamless transition without coverage gaps, follow this systematic procedure:

Step 1: Research and Compare Plans

Thoroughly review your current policy and contrast it with alternative market options. Evaluate features such as network hospital breadths, sub-limits, room rent caps, premiums, and the insurer's Claim Settlement Ratio (CSR).

Step 2: Initiate Early (45 Days Prior)

Contact your prospective insurer to request the standard Portability Form and Proposal Form. IRDAI rules dictate that you must formally submit these to your new insurer at least 45 days before your current policy expires. Requests submitted late (or past the 30-day notice window) run a high risk of rejection, forcing you to be evaluated as a brand-new applicant.

Step 3: Complete Forms and Submit Documents

Fill out all forms with complete accuracy to avoid validation delays. Assemble and submit the following required documentation:

Duly filled Portability and Proposal forms.

Existing policy certificates/schedules (ideally covering the last few consecutive years) along with recent renewal notices.

Official claim history records or a signed No-Claim declaration.

Valid identity, age, and address proofs (e.g., Aadhaar, PAN, Passport).

Comprehensive medical records or test reports if you have pre-existing conditions.

Step 4: Verification and Information Exchange

The new insurer will verify your health declarations and fetch your claim history directly from your old insurer using the central IRDAI/IIB portal. Per regulatory guidelines, old insurers are required to share this data promptly, typically within 7 days.

Step 5: Underwriting and Approval

The new insurer's medical underwriters evaluate your application risk profile. Once approved, a final premium quote is issued. Upon paying the premium, your new policy activates seamlessly on your old policy's expiry date, ensuring zero coverage gaps.

3. How Age and Underwriting Affect Portability

While IRDAI guidelines specify that insurers cannot reject a portability request solely based on a policyholder's age, your age and health status still exert significant structural influence over the process.

Impact on Premiums and Risk Ratings

Your new premium is calculated based on your age at the time of porting. As age increases, premiums generally climb due to higher baseline health risks. Furthermore, if you acquired a chronic illness during your previous policy term, the new insurer's medical underwriters may apply premium "loading" (additional risk charges) or specify modified policy terms.

Medical Underwriting Restrictions

Older applicants or those with known Pre-Existing Diseases face far stricter medical evaluation checks. Insurers routinely mandate fresh medical tests and health assessments before approving the request. Slow diagnostic test results can inadvertently cause processing delays, emphasizing the importance of starting early.

Plan Eligibility and Higher Cover Waiting Periods

Some individual retail health plans have strict maximum entry age limits. If your age exceeds a specific plan's entry criteria, the insurer can decline porting into that particular plan.

Additionally, if you attempt to enhance your financial cushion by increasing your sum insured while porting, the additional coverage amount is handled separately. It will be subject to fresh medical underwriting and a brand-new waiting period before claims can be made against that extra amount.

4. Transitioning Corporate Group Policies to Personal Cover

A common point of confusion is whether you can port a corporate group health insurance plan directly to a different retail insurer when leaving a job. Direct external porting from a corporate plan is not permitted. Instead, you must follow a regulated two-stage process:

Corporate Group Plan

(Stage 1: Internal Migration at least 45 days before leaving job)

Retail Individual Plan with SAME Insurer

(Stage 2: External Portability at the next annual renewal window)

Retail Individual Plan with NEW Insurer

Stage 1: Internal Migration

Under IRDAI guidelines, every member of a corporate group policy has the statutory right to migrate to an individual retail plan with the same insurance company upon leaving their organization.

You must notify your current insurer of your intent to migrate at least 30 to 45 days before your last working day or before the group policy expires.

Submit the required migration forms, select a plan from their retail portfolio, and pay the premium.

This stage ensures all your group time credits transfer directly into your personal policy. For instance, if you were in the group policy for 3 years, those 3 years are credited toward the waiting periods of your new individual plan.

Stage 2: External Portability

Once you have successfully established your individual retail cover with the original insurer, you hold a standard personal policy. When your next annual renewal window arrives, you are entirely free to apply for portability to switch to any other insurance company in the market.

5. Summary Checklist: Pitfalls to Avoid

To guarantee a smooth transition, keep this actionable summary checklist in mind before initiating your switch:

Timeline Check: Submit all documents 45–60 days prior to expiry. Avoid the temptation to wait until your final corporate working days have passed.

Absolute Disclosure: Always disclose your complete medical history and pre-existing conditions transparently to avoid unexpected claim rejections down the line.

Inspect Hidden Limits: Carefully verify whether your new plan introduces restrictive room rent caps, treatment-specific sub-limits, or co-payment clauses that were absent in your older policy.

Moratorium Boundaries: Under 2026 guidelines, be aware of the maximum 5-year limit governing your policy's moratorium period, which is calculated based on your total cumulative duration in the insurance scheme.

When shortlisting a health insurer, the health insurance claim settlement ratio is one of the most reliable indicators of how likely you are to receive a payout when you need it most. The health insurance claim settlement ratio measures the percentage of claims settled against those received in a given year — a higher ratio means the insurer processes most valid claims without unnecessary delays or rejections. Star Health consistently maintains a strong health insurance claim settlement ratio, reflecting its commitment to transparent claim processes and timely support for policyholders. Checking the health insurance claim settlement ratio before purchasing a plan protects you from choosing insurers with poor claims track records, which can become a serious problem at the time of hospitalisation. Alongside premium costs and hospital network size, making the health insurance claim settlement ratio a core criterion in your decision leads to better long-term value from your health cover.

Over the last few years, the consumer durables industry has been operating in an environment where volatility is no longer perchance but deeply structural. Global supply chain disruptions, fluctuations in commodity prices, currency movements, and changing consumption patterns are collectively reshaping how companies approach growth, profitability, and pricing.

Pricing: No longer a periodic exercise

For the consumer durables sector, pricing today is no longer a once or twice-a-year exercise. It has evolved into a far more dynamic and strategic function that requires agility, sharper forecasting, and a deeper understanding of consumer behaviour. 

One of the biggest challenges has been the sharp fluctuation in raw material costs. Key inputs such as steel, copper, aluminium, plastics, and electronic components have witnessed significant price movements due to global economic pressures and disruptions in international supply chains. Energy costs and freight charges have also remained unpredictable, directly impacting manufacturing and distribution expenses. In India, exchange rate volatility has added another layer of complexity, especially for categories that still depend heavily on imported components, motors, electronics, and specialised materials.

Balancing costs and consumer sensitivity

For companies operating in highly competitive markets like India, the ability to pass on rising costs to consumers is never straightforward. India continues to remain a highly value-conscious market, and consumers today are more informed than ever before. The rise of digital commerce and online comparison platforms has made pricing highly transparent across brands and categories. As a result, sharp price hikes can disrupt demand, especially during peak seasonal cycles where affordability strongly influences the purchase decisions. Companies are therefore required to strike a careful balance between recovering rising costs and maintaining accessibility for consumers.

This shift in consumer behaviour is also changing pricing strategies across the industry. Companies are moving towards more balanced and flexible pricing models instead of implementing uniform price increases across product categories. Pricing decisions today are increasingly aligned with category-specific demand trends, product configurations, and evolving consumer expectations.

Consumers are looking at long-term value

At the same time, consumer expectations themselves are evolving. Rising inflation across consumer durable categories in recent years has made purchase decisions far more calculated. This is particularly visible in categories linked to energy consumption and daily utility. Consumers increasingly value durability, energy efficiency, reliability, and lower maintenance costs because these factors directly influence long-term savings. As a result, pricing strategies are increasingly being built around lifecycle value rather than just entry-level affordability.

Localisation and operational efficiency becoming critical

Another important development has been the growing focus on operational efficiency and localisation. Recent years have reinforced the importance of building stronger domestic supply ecosystems and reducing over-dependence on volatile global supply chains. This not only improves supply chain stability but also enables businesses to respond faster to market shifts and minimise the impact of global disruptions. Over the long term, stronger local ecosystems can contribute to greater pricing stability and operational resilience.

E-Commerce is changing pricing dynamics

The rapid growth of e-commerce has further transformed pricing dynamics across the sector. Brands are increasingly adopting more dynamic and channel-specific pricing strategies. Promotional planning, festive campaigns, online-exclusive launches, and bundled offerings are becoming critical in attracting consumers while maintaining profitability. At the same time, businesses are working towards creating a seamless multichannel experience where pricing consistency and customer trust remains central.

Trust becomes the differentiator

Global volatility has also reinforced the importance of building stronger consumer relationships. In periods of economic uncertainty, trust often becomes a stronger differentiator than pricing alone. Consumers increasingly value transparency, consistent quality, dependable service, and honest communication. Brands that continue to deliver on these expectations are far more likely to retain customer loyalty, even during challenging periods.

Sustainability: a growing reputational input

Sustainability is also emerging as a key factor influencing long-term pricing and business strategy. Consumers, particularly younger generations, are becoming increasingly conscious of environmentally responsible products and manufacturing practices. Companies are therefore investing in sustainable sourcing, energy-efficient operations, recyclable packaging, and products designed for longer life cycles. While sustainability-led investments may increase costs initially, they contribute significantly to long-term operational efficiency, stronger brand positioning, and future readiness.

Getting future-ready

Despite the challenges created by global volatility, the current environment is also encouraging businesses to become more agile, innovative, and consumer focused. The industry is learning to adapt faster, plan smarter, and build more resilient operations. Pricing today is no longer only about managing costs. It has become a strategic lever that shapes competitiveness, consumer trust, and long-term business growth.

Going forward, successful pricing strategies in the consumer durables sector will depend on a company’s ability to balance affordability, innovation, operational efficiency, and consumer trust. In an increasingly uncertain global environment, businesses that remain flexible and focused on delivering genuine value will continue to strengthen their market position. For the consumer durables industry, this phase of volatility is not merely a challenge to navigate, but an opportunity to rethink traditional approaches, accelerate innovation, and build stronger, more future-ready businesses equipped for long-term growth.

Authored By: 

Mr Anil Dua, COO at Usha International

From the time of the Indus Valley Civilisation, when children played with simple clay toys and figurines, to today’s world of smart and tech-enabled toys, India’s toy industry has changed a lot. What started as handmade traditional toys has now become a fast-growing and organised market.

For many years, the industry depended heavily on imports. According to the IBEF report “National Action Plan to Accelerate India’s Toy Sector” (2021), about 85 percent of toys sold in India were imported before 2020. This showed that local manufacturing was still limited.

However, things have started changing. As per IBEF’s report “India’s Growing Toy Exports”, exports increased by more than 140 percent between FY17 and FY22, while imports fell by 30 to 40 percent. This shows that India is slowly becoming more self-reliant. The market is also growing steadily. IBEF’s “The Toy Story in India” report says the industry is expected to grow at around 12 percent every year between 2022 and 2028, while earlier estimates showed a growth rate of 13.3 percent between 2019 and 2024.

Today, the industry includes many categories such as traditional toys, educational and STEM toys, soft toys, action figures, ride-on toys, and digital or tech-based toys. The way toys are sold is also changing. Apart from retail outlets, companies are using online channels as well as D2C marketing strategy.

Overall, the industry is moving away from relying solely on foreign brands and licensing towards local manufacturing and sales through various other means, including partnerships, with India becoming one of the fast-growing toy markets.

Retail Drives Scale

Offline retail is still ruling the toy industry, especially in a country such as India, where even offline discovery plays an important part. Companies are concentrating more on spreading themselves out across cities in order to reach larger audiences.

Bhavesh Shah, CEO, Skoodle, explained, “Offline retail is still our backbone and drives the bulk of our business. Marketplaces are picking up steadily as more parents now shop online for stationery and toys.”

With over 45,000 retail touchpoints across 170 cities, Skoodle reflects how scale is still largely driven by physical distribution. At the same time, modern trade and large format stores are helping brands build visibility and trust.

Sushilkumar Agrawal, CEO, Ultra Media and Entertainment Group, said, “At Ultra Soft Toys, we follow an omnichannel approach. While offline retail remains our core strength, we are steadily expanding across marketplaces and D2C to reach consumers directly and build stronger brand visibility.” 

D2C Builds Relationships

While retail brings scale, D2C channels are emerging as an important long term play. Brands are investing in their own platforms to engage directly with parents and children.

“D2C is still small for us today, but it is the space we are investing in the most. Marketplaces and offline give us scale, while D2C gives us a direct relationship with parents,” said Shah.

PlayShifu also follows a similar approach. Dinesh Advani, Co-founder, PlayShifu, shared, “Marketplaces help us reach new customers, while our D2C channels help us build a loyal and engaged base that keeps coming back.”

Neha Makdey, Founder and CEO, Nesta Toys, said, “Our growth is currently driven through our D2C website, marketplaces and quick commerce platforms, allowing us to reach parents wherever they prefer to shop while maintaining a consistent brand experience.” 

This shift shows that while D2C may not yet be the largest channel, it is becoming critical for brand building and repeat engagement.

Local Manufacturing Gains Ground

Government initiatives and BIS compliance have pushed companies to focus on local manufacturing. This has reduced dependence on imports and improved product quality.

Aditya Krishnakumar, Co-founder, BIDSO, noted, “BIS compliance has shifted the industry from price led sourcing to quality led manufacturing. It has encouraged better designs and stronger systems.”

BIDSO manufactures 100 percent of its toys in India and has seen over 50 percent year on year growth. This reflects a larger trend where companies are investing in local supply chains to gain better control over cost, speed, and innovation.

“Local supply chains enable rapid prototyping and reduce lead times, helping us move faster from idea to product,” highlighted Advani.

Agrawal added, “The focus on local manufacturing and BIS compliance has strengthened our product development process. It has encouraged us to source more locally, improve quality standards, and design products that meet both regulatory requirements and customer expectations.”

Makdey also highlighted, “We are building a proudly Indian brand with products that are designed in house and manufactured locally, combining global design standards with Indian craftsmanship.”

IP and Content Take Center Stage

The toy industry is no longer just about products. Content, storytelling, and intellectual property are becoming key drivers of growth and differentiation.

Skoodle is investing in building its own identity. “We are focusing on our own IP and original content rather than relying only on licensed characters. We want the brand itself to be recognisable,” mentioned Shah.

At the same time, licensed products still play a role. Skoodle sees 30 percent of its sales coming from licensed characters, while BIDSO reports around 10 percent from licensed toys.

Agrawal said, “Licensed characters help us connect with established fan bases, while our original designs and custom creations allow us to offer unique products tailored to our customers’ needs.”

Makdey emphasised, “Our focus remains on building original intellectual property, with every product conceptualised and designed in house to maintain quality and innovation.”

Investors also see strong potential in this space. Abhiram Bhalerao, Partner, V3 Ventures (Verlinvest), said, “We are seeing real opportunity in India first brands that combine content, community, and retail distribution. The focus now is on building strong and defensible IP.”

STEM and Learning Lead Growth

Educational and STEM toys are becoming one of the fastest growing segments, driven by parents looking for value beyond entertainment.

PlayShifu has built its portfolio around interactive learning. “By creating innovative products with little direct competition, we are able to stand out and command a premium,” stated Advani.

Similarly, Skoodle is positioning its products around learning and development. From preschool toys to construction play, the focus is on building skills such as creativity, motor development, and problem solving.

Agrawal noted, “We are expanding our range of educational and interactive soft toys that combine fun with learning, while focusing on value engineering to keep products affordable.”

Makdey added, “Montessori and early learning principles are at the heart of every product we create, focusing on screen free, hands on play that supports cognitive and motor development.”

This trend is also reflected in pricing. While a large share of sales still comes from products under Rs 1000, premium segments are growing steadily, especially in educational categories.

Exports and Global Ambitions

India is also emerging as an export hub for toys, with several brands expanding globally.

PlayShifu exports to more than 30 countries, with exports contributing nearly 90 percent of its business. “India is central to our operations and a true global hub for us,” said Advani.

At the same time, domestic demand remains strong. Most brands still derive the majority of their revenue from India, but exports are becoming an important growth lever.

The Road Ahead

The Indian toy industry is at an interesting stage of evolution. It is moving from a fragmented and import dependent market to a more organised, innovation driven ecosystem.

However, challenges remain. Distribution complexity, seasonality, and compliance requirements continue to impact growth.

Bhalerao sums it up well: “The ecosystem is scalable but still maturing. Real growth will come from solving distribution, compliance, and building strong brands.”

As companies invest in manufacturing, IP, and new channels, the industry is expected to see consolidation and stronger Indian brands in the coming years.

The shift is clear. From clay toys to connected play, India’s toy story is now being shaped by innovation, localisation, and a deeper understanding of the modern consumer.

India's fashion and retail industry is entering a transformative phase. Rising disposable incomes, increasing digital penetration, evolving lifestyles, and a young aspirational population are reshaping the way consumers discover, evaluate, purchase and experience fashion. At the same time, the market has become significantly more competitive, with consumers having access to a wider range of domestic and international brands than ever before.

For legacy Indian fashion companies, this presents significant opportunities and challenges. The biggest opportunity lies in serving one of the world's most dynamic consumer markets. The challenge lies in staying relevant in an environment where consumer preferences evolve rapidly, trends change overnight, and brand loyalty can no longer be taken for granted.

The next phase of growth in Indian fashion will not be driven by scale alone but rather by a deeper understanding of consumers, continuous product innovation, omnichannel strategy, dominant digital presence and the ability to build brands that remain relevant across generations.

How Legacy Brands Are Staying Relevant

One of the biggest shifts in the Indian fashion market over the last decade has been the evolution of consumer behavior. Today's consumer is more informed, more experimental, and more willing to explore new brands and styles than ever before.

Historically, fashion brands benefited from strong customer loyalty built over years of trust and familiarity. While trust remains important, loyalty today must be continuously earned. Consumers are exposed to global trends through social media, digital platforms, influencers, and content creators. As a result, they are constantly evaluating new options.

This means that building a reputable fashion brand today requires much more than offering quality products. Brands must create meaningful consumer connections, maintain a distinct identity, and consistently deliver relevance. For legacy brands specifically, this has meant rethinking everything from product design and category mix to how they communicate with a newer, younger audience without alienating the loyal base they have spent decades building.

The most successful legacy brands are those that have treated reinvention not as a departure from their identity, but as an extension of it. They are investing in consumer research, collaborating with designers and cultural voices that resonate with younger demographics, and expanding into adjacent categories that align with where consumer demand is heading. The strongest brands are those that adapt to changing market realities while retaining the core attributes that consumers associate with them.

The Future of Denim and Casualwear in India

Among all apparel categories, denim remains one of the most enduring. Despite changing fashion cycles, denim continues to hold a unique position in consumers' wardrobes because of its versatility, comfort, and ability to naturally evolve alongside cultural trends.

The future of denim is not about whether the category remains relevant, it is about how it continues to adapt. Over the years, the market has witnessed a transition from slim fits to straight fits, relaxed silhouettes, wider cuts, and comfort-driven styles. These shifts reflect broader lifestyle changes and the growing preference for comfort-oriented fashion. Fabric innovation including stretch technologies, sustainable fibres, and performance-oriented treatments is further expanding what denim can offer and the base of growing consumers it can appeal to.

Casualwear has emerged as one of the most significant growth drivers within the apparel industry. As workplace dress codes become more relaxed and consumers seek clothing that seamlessly transitions between professional and personal settings, casualwear has become increasingly central to everyday wardrobes. This blurring of contexts has created a  significant space for brands willing to invest in category expansion beyond their core products.

The influence of Gen Z is particularly visible in this evolution. Unlike previous generations, younger consumers place greater emphasis on self-expression, individuality, and comfort. They are less interested in following prescribed fashion rules and more interested in creating their own style identities. This has contributed to the growing popularity of oversized silhouettes, relaxed fits, and more experimental fashion choices.

The result is a market where fashion is becoming increasingly personal. Consumers are no longer dressing simply to follow trends; they are dressing to reflect who they are. For brands, this presents an excellent opportunity to move beyond standardised product lines and build ranges that speak to individual expression at scale. 

Consumer Trends Across Tier I, II and III Markets

One of the most exciting developments in Indian fashion is the convergence of aspirations across geographies.

While Tier I cities have traditionally been early adopters of fashion trends, consumers in Tier II and Tier III markets are rapidly narrowing the gap. Increased internet penetration, social media exposure, and digital commerce have significantly democratized access to fashion inspiration and products. A consumer in a smaller city today has the same cultural references, the same influencer feeds, and increasingly, the same purchase options as their counterpart in a metro.

Consumers across India today are more fashion-conscious than ever before. They are highly aware of global trends, more confident in experimenting with styles, and more willing to invest in products that align with their aspirations.

The rise in spending power is also driving premiumization across categories. Consumers are increasingly seeking products that offer superior quality, design, innovation, and overall value. This is particularly visible in categories like denim and casualwear, where consumers are willing to pay more for better fits, better fabrics, and brands that feel aligned with their identity. 

However, the Indian market remains highly diverse. While some consumers prioritize fashion-forward products, others focus on comfort, sustainability, durability, or value for money.

This diversity reinforces the need for brands to understand multiple consumer segments rather than relying on a one-size-fits-all approach. Consumer-led innovation, where product decisions are informed by real behavioural data, regional preferences, and emerging demand signals will increasingly separate the brands that grow from those that merely survive.

Omnichannel Retail and the Rise of Connected Commerce

The relationship between physical retail and digital commerce continues to evolve.

While e-commerce has transformed the shopping journey, physical retail remains highly relevant. Consumers today not only expect convenience and speed, but also seek experiences that allow them to engage directly with products and brands.

Stores today serve a broader purpose than simply facilitating transactions. They function as spaces for discovery, engagement, and brand storytelling. Consumers often visit stores to experience products firsthand, understand quality and fit, and establish a stronger connection with the brand. In this sense, well-designed retail environments are as much a brand-building investment as they are a sales channel.

Simultaneously, digital platforms are accelerating product discovery and enabling impulse purchases. Consumers can now discover a product, evaluate it, and complete a purchase within minutes. Social commerce is further compressing this journey, turning content directly into commerce in ways that were not possible even a few years ago.

As a result, the future of retail is not about choosing between online and offline channels. It is about creating a seamless omnichannel ecosystem where stores, websites, marketplaces, mobile applications, and social commerce platforms work together to deliver a unified consumer experience.

Direct-to-consumer channels are becoming increasingly important within this ecosystem. Beyond driving sales, D2C platforms provide valuable consumer insights that help brands better understand preferences, personalize experiences, and build stronger long-term relationships. For Indian fashion brands, D2C also offers a significant opportunity to own the narrative, to present the brand on its own terms without intermediaries, and to gather first-hand insights that can inform everything from product development to marketing strategy.

Driving Sustainable Long-Term Growth

As market dynamics continue to evolve, sustainable long-term growth will depend on a combination of innovation, agility, and strategic discipline.

Product innovation will remain critical. Fashion is inherently dynamic, and brands must continuously respond to changing trends, emerging categories, and evolving consumer expectations. The ability to identify shifts early and translate them into relevant products is a crucial competitive advantage. Brands that invest in trend intelligence, faster product development cycles, and genuine category expansion will be better positioned to capture new demand as it emerges.

Technology will also play a central role. From demand forecasting and inventory management to consumer analytics and product development, technology can help brands make smarter decisions and improve responsiveness. The brands investing in these capabilities today are building structural advantages that will be difficult to replicate tomorrow.

Sustainability is another important consideration. While some consumers actively seek environmentally responsible products and others prioritize affordability, these objectives do not have to be mutually exclusive. Advances in technology and manufacturing processes are creating opportunities for sustainable products to become increasingly accessible and value-driven.

Ultimately, the brands that succeed over the next decade will be those that remain deeply connected to consumers while continuously evolving alongside them. 

Fashion trends will come and go, but the fundamentals of strong brand-building remain unchanged: understanding consumers, delivering consistent value, embracing innovation, and maintaining a clear identity.

In a rapidly changing marketplace, relevance will come from evolution, but longevity will come from trust. The future of Indian fashion belongs to brands that can successfully achieve both.

Authored by:

Pritam Kudev, Founder, Mannlich

Self-care has evolved far beyond indulgent spa days and occasional skincare routines. Today, it is about building simple, consistent habits that protect your health and well-being every day. Among these, wearing sunscreen is one of the most effective yet often overlooked practices. Regardless of gender, age, or skin type, daily sun protection plays a vital role in maintaining healthy, youthful-looking skin while reducing the risk of sun damage.

Contrary to popular belief, sunscreen is not just for beach vacations or bright summer days. Harmful UVA and UVB rays penetrate clouds, windows, and even indoor spaces, making year-round protection essential. Whether you're commuting to work, driving, exercising outdoors, or working near a window, applying sunscreen every morning is a small habit that delivers long-term benefits. Modern formulations are also lightweight, non-greasy, and suitable for all skin types, making them an easy addition to any skincare routine.

Best Sunscreens for Men and Women in India: Top SPF Picks for Daily Sun Protection

1. JOY Ultra Matte Dry Touch Sunscreen SPF 50

Daily sun protection doesn't have to feel heavy or greasy. Designed for everyday use, JOY Ultra Matte Dry Touch Sunscreen SPF 50 delivers broad-spectrum SPF 50 PA++++ protection in a lightweight, oil-free formula that blends effortlessly into the skin without leaving a white cast. Its ultra-matte finish helps control excess shine, making it ideal for humid weather and everyday wear. Suitable for all skin types and genders, this sunscreen offers effective protection while keeping the skin fresh and comfortable throughout the day. Whether you're heading to the office, running errands, or traveling, it fits seamlessly into your daily skincare routine.

2. La Shield Pollution Protect SPF 40 & SPF 50

Modern skin faces more than just UV exposure—it also battles pollution, dust, and environmental stressors every day. La Shield Pollution Protect SPF 40 & SPF 50 is designed specifically for urban lifestyles, combining broad-spectrum UVA and UVB protection with ingredients that help defend the skin against pollution and micro-particulate pollutants. Its lightweight, oil-free, and non-comedogenic formulation makes it suitable for everyday use without clogging pores or feeling sticky. Ideal for both men and women, it provides reliable protection while keeping the skin comfortable throughout the day, making it a practical companion for city living.

3. RENÉE Everyday Sunscreen SPF 50 PA++++

Daily sun protection becomes effortless with RENÉE Everyday Sunscreen SPF 50 PA++++, a lightweight formula designed to shield the skin from harmful UVA and UVB rays without feeling heavy or sticky. Its quick-absorbing, non-greasy texture blends seamlessly into the skin, making it suitable for everyday wear under makeup or on its own. Formulated for all skin types, it provides broad-spectrum protection while helping maintain the skin's natural hydration. Whether you're commuting, working outdoors, or spending time in the sun, RENÉE Everyday Sunscreen offers a comfortable, everyday solution for healthy, protected skin throughout the year.

4. WOW Skin Science Sunscreen SPF 55

Designed for everyday protection, WOW Skin Science Sunscreen SPF 55 delivers broad-spectrum UVA and UVB protection in a lightweight, non-greasy formula suitable for all skin types. Enriched with ingredients such as avocado oil, raspberry extract, carrot seed extract, and vitamin E, it helps protect the skin from sun damage while keeping it nourished and hydrated. The matte finish makes it comfortable for daily wear, while its formula is also designed to defend against environmental pollutants and reduce photo damage. Whether you're heading to work or spending time outdoors, it offers dependable sun protection without leaving a heavy residue.

5. Plum Niacinamide & Rice Water Hybrid Sunscreen SPF 50 PA++++

Combining effective sun protection with skincare benefits, Plum 2% Niacinamide & Rice Water Hybrid Sunscreen SPF 50 PA++++ is designed for everyday use across all skin types. Offering broad-spectrum UVA and UVB protection, its lightweight, fast-absorbing formula leaves no white cast and blends effortlessly into the skin. Infused with 2% niacinamide, it helps improve skin texture and strengthen the skin barrier, while rice water provides hydration and supports a brighter-looking complexion. The non-greasy finish makes it ideal for daily wear under makeup or on its own, ensuring comfortable, long-lasting protection against sun damage and environmental stressors.

Why Daily Sunscreen Is Becoming a Skincare Essential

Consumer awareness around preventive skincare has grown significantly in recent years. Dermatologists continue to emphasize that sunscreen is one of the most effective ways to prevent premature aging, pigmentation, sunburn, and long-term UV damage. As a result, more consumers are incorporating SPF into their everyday skincare routines rather than treating it as a seasonal product.

The Indian sun care market is also witnessing strong momentum, driven by increasing awareness, higher disposable incomes, and the growing demand for multifunctional skincare products. Consumers today prefer lightweight, non-greasy formulations that offer broad-spectrum protection while addressing concerns such as pollution, hydration, and oil control. Brands are responding with innovative products that cater to different skin types, lifestyles, and climatic conditions, making sunscreen an everyday necessity rather than an occasional purchase.

Conclusion

Sunscreen has become one of the simplest yet most impactful forms of self-care. Beyond protecting against harmful UV rays, modern sunscreens offer benefits such as pollution defense, oil control, and comfortable everyday wear, making them suitable for both men and women. Whether you're looking to upgrade your own skincare routine or gift someone a thoughtful wellness essential, incorporating SPF into daily life is an investment in healthier skin for years to come.

Frequently Asked Questions (FAQs)

1. Is sunscreen necessary even during the monsoon?

Yes. UVA rays can penetrate clouds and continue to damage the skin even on rainy or overcast days, making sunscreen an everyday necessity.

2. Should men use sunscreen daily?

Absolutely. Sunscreen is essential for everyone, regardless of gender. It helps protect against sunburn, premature aging, pigmentation, and long-term UV damage.

3. How often should sunscreen be reapplied?

Dermatologists generally recommend reapplying sunscreen every two hours when outdoors, and more frequently if you're sweating heavily or after swimming.

4. What SPF is recommended for daily use?

An SPF 30 or higher is recommended for everyday protection. SPF 50 provides additional protection, especially for people who spend extended periods outdoors.

5. Can sunscreen replace a moisturizer?

Some sunscreens contain hydrating ingredients, but if you have dry skin, it's best to apply a moisturizer first, followed by sunscreen as the final step in your morning skincare routine.

India has flagged off its first jewellery export consignment to the UK under the India–UK Comprehensive Economic and Trade Agreement, marking a significant step in strengthening bilateral trade ties and expanding opportunities for the country’s gem and jewellery sector. 

The development comes at a time when premium imports and exports between India and the UK are gaining momentum across categories, reflecting a broader shift towards high-value trade following the trade agreement.

The inaugural consignment, valued at around USD 10 million, includes gold, diamond, silver and platinum jewellery. It has been exported by more than 30 Indian exporters across six cities, showcasing the scale and diversity of India’s manufacturing and export ecosystem. 

The flag-off ceremony was held at Vanijya Bhawan in New Delhi and was attended by senior government officials and industry representatives, highlighting the importance of the agreement for the sector.

The India–UK trade agreement provides zero-duty access to Indian jewellery exports, removing import tariffs of up to 4 percent that previously applied in the UK market. This is expected to improve the competitiveness of Indian products in a market valued at around USD 4 billion for jewellery imports. 

Kirit Bhansali, Chairman of the Gem and Jewellery Export Promotion Council, said, "Today marks a proud and defining moment for India's gem and jewellery industry as we flag off the first jewellery export consignment to the United Kingdom under the India–UK Comprehensive Economic and Trade Agreement. This is far more than the movement of goods. It marks the beginning of a new chapter in India's global trade journey."

He added that the removal of tariffs will provide a strong push to exports and help India strengthen its position globally. "With zero duty access, we expect India's gem and jewellery exports to the UK to increase from around USD 754 million to nearly USD 2.5 billion over the next three years," Bhansali said.

The agreement is being seen as a major opportunity for exporters, especially as demand for premium and value-added products continues to rise in developed markets such as the UK. The focus on high-quality craftsmanship, design and innovation is expected to play a key role in driving growth.

Antarpal Singh Sawhney, Chairman, Northern Region, GJEPC, said, "The India–UK CETA is a transformative agreement for India's gem and jewellery sector. It provides our exporters with preferential access to one of the world's most important premium jewellery markets and significantly enhances India's competitiveness."

The first shipment is also symbolic of the readiness of Indian exporters to tap into new markets and scale their presence globally. Similar flag-off ceremonies have been organised across major jewellery hubs such as Mumbai, Surat, Jaipur, Chennai and Kolkata, underlining the nationwide participation in this initiative.

From a policy perspective, the agreement introduces several measures aimed at simplifying trade and improving ease of doing business. These include self certification, business friendly rules of origin and mechanisms to address non tariff barriers. Such provisions are expected to make it easier for exporters, including micro, small and medium enterprises, to access international markets.

Sabyasachi Ray, Executive Director, GJEPC, said, "The flagging off of the first jewellery consignment under the India–UK CETA is the culmination of years of sustained engagement between the Government of India and the industry. The agreement will strengthen India's export ecosystem, support value-added manufacturing and enable thousands of exporters, MSMEs and artisans to access new growth opportunities in the UK."

Beyond exports, the agreement is expected to have a wider impact on the industry. It is likely to attract investment, generate employment and promote skill development across the value chain. Jewellery clusters such as Surat, Mumbai, Jaipur, Kolkata, Chennai, Hyderabad, Ahmedabad and Thrissur are expected to benefit from increased demand and improved market access.

The scope of the agreement covers a wide range of product segments, including gold jewellery, diamond jewellery, coloured gemstone jewellery, platinum jewellery, silver jewellery, pearls and lab-grown diamond jewellery. This broad coverage ensures that multiple categories within the industry can leverage the benefits of the trade deal.

The first consignment also reflects growing confidence among Indian exporters in exploring premium markets and adapting to global demand trends. As trade between India and the UK evolves, the focus is likely to remain on quality, innovation and design differentiation.

With the India–UK trade agreement now in place, the gem and jewellery sector is poised for a new phase of growth. The initial shipment not only signals the start of tariff free exports but also highlights India’s ambition to strengthen its presence in global value chains and expand its footprint in high-value markets.

PhysicsWallah (PW) an Edtech company has green lit an investment of Rs 71.8 crore in UPSC coaching platform Sarrthi IAS, which provides online and offline coaching for UPSC Civil Services and other competitive examinations. According to a stock exchange filing, The transaction will increase its stake in the company from 40% to 51%, making Sarrthi IAS a subsidiary.  

The investment is part of the second tranche of PW's acquisition of Guiding Light Education Technologies Private Limited, which operates under the Sarrthi IAS brand. The company's board has also approved an addendum to the share purchase agreement to revise the valuation methodology and purchase consideration for the second tranche, while all other terms of the transaction remain unchanged.

PhysicsWallah will acquire 1,100 equity shares as part of the transaction, representing an additional 11% stake, for an aggregate consideration of Rs 71.81 crore.

Sarrthi IAS will become a subsidiary of the listed edtech firm once the tranche is complete.

The acquisition was disclosed in the company's IPO prospectus in November 2025, which stated that PW had signed share purchase and shareholders' agreements with Sarrthi IAS and its promoters in September 2025 to acquire up to 85% of the company in six tranches between FY26 and FY31, with the valuation linked to an EBITDA based mechanism.

The filing states that the company recorded Rs 76.52 crore in revenue in FY26, compared with Rs 28.46 crore in FY25 and Rs 1.04 crore in FY24. It had a net worth of Rs 33.96 crore at the end of FY26.
 

Considered one of India’s most significant trade agreements in recent years, the India-UK Comprehensive Economic and Trade Agreement (CETA) came into force this week, marking a major milestone in bilateral economic relations. While the headlines highlight cheaper Scotch whisky and premium British imports, the deeper impact of the deal lies in boosting Indian exports, investments and long-term economic integration.

Prime Minister Narendra Modi described the agreement as a “historic milestone,” stating that it will create opportunities for farmers, MSMEs, startups and innovators, while advancing India’s goal of becoming a developed economy by 2047.

Trade Momentum and Growing Economic Ties

The agreement comes at a time when trade between the two nations is already on the rise. India-UK trade grew 8.62% to USD 25.12 billion in 2025-26, up from USD 23.13 billion in 2024-25. However, the trade balance has shifted—India’s exports declined 7.6% to USD 13.44 billion, while imports from the UK surged 36.11% to USD 11.68 billion.

At the same time, foreign direct investment (FDI) from the UK into India rose to USD 1 billion in 2025-26, compared to USD 795 million in the previous year, reflecting growing investor confidence in the Indian market.

Zero-Duty Access: A Big Win for Exporters

A key highlight of the CETA is duty-free access for nearly 99% of Indian exports to the UK. This is expected to significantly enhance India’s competitiveness in a high-income market and drive growth across multiple sectors.

Labour-intensive industries such as textiles, leather, gems and jewellery, engineering goods, marine products and pharmaceuticals are expected to benefit the most. The removal of tariffs is likely to improve margins, encourage higher production and generate employment across manufacturing clusters.

The early gains are already visible in the gems and jewellery sector.

Kirit Bhansali, Chairman, GJPEC, said, "The first jewellery export consignment to the United Kingdom under the India–UK CETA is a defining milestone for India's gem and jewellery industry. The inaugural shipment, comprising USD 10 million worth of gold, diamond, silver and platinum jewellery from 27 exporters across six cities – Delhi, Mumbai, Surat, Kolkata, Jaipur, and Chennai reflects the industry's readiness to leverage the unprecedented opportunities created by this landmark agreement.”

“India–UK CETA eliminates UK import tariffs of up to 4% and gives Indian exporters a significant competitive advantage in the UK's USD 4 billion jewellery import market. With zero-duty market access, we expect India's gem and jewellery exports to the UK to grow from around USD 754 million in 2025 to nearly USD 2.5 billion over the next three years,” he added.

Services, Talent and Cost Advantages

The agreement also provides a strong push to India’s services sector, covering 137 sub-sectors including IT, consulting, healthcare and education. It enhances market access and regulatory clarity, making it easier for Indian professionals and companies to operate in the UK.

A key provision—the Double Contribution Convention (DCC)—eliminates the need for Indian professionals on temporary assignments to contribute to social security in both countries. This reduces costs for both employers and employees and improves global competitiveness.

Cheaper Imports, But Gradually

For Indian consumers, the agreement is expected to make several premium British products more affordable over time. These include Scotch whisky, gin, luxury cars, cosmetics, chocolates and gourmet foods.

However, tariff reductions will be phased, meaning price benefits will emerge gradually rather than immediately. Luxury cars, for instance, will see duties reduced progressively under a quota system, ensuring protection for domestic manufacturers and India’s growing EV ecosystem.

A Long-Term Strategic Shift

While consumer benefits are visible, experts believe the broader significance of the deal lies in its long-term economic impact.

Overall, the India-UK CETA represents more than just a trade agreement—it signals a strategic shift towards deeper engagement with advanced economies. With stronger export potential, rising investments and enhanced global competitiveness, the deal is expected to play a key role in shaping India’s economic trajectory in the years ahead.

India's snacking industry is witnessing a significant transformation as consumers increasingly prioritize nutrition, transparency, and convenience over impulse purchases. Healthy snacking is no longer confined to fitness enthusiasts or niche consumers—it has become a mainstream lifestyle choice driven by greater awareness of wellness, preventive healthcare, and ingredient quality. As a result, brands are reimagining products with higher nutritional value, cleaner labels, and functional benefits while leveraging quick commerce and omnichannel retail to meet evolving consumer expectations.

The Farmley Healthy Snacking Report 2026, based on insights from over 6,000 respondents across India, highlights how changing lifestyles and informed purchasing decisions are reshaping one of the country's fastest-growing FMCG categories. The findings suggest that Indian consumers are willing to pay more for healthier products, expect greater transparency from brands, and increasingly seek snacks that deliver both taste and nutrition.

Indians Prioritize Protein 

Protein has emerged as the defining factor in India's healthy snacking revolution. According to the report, 86 percent of consumers consider protein an important criterion while selecting snacks, while 32 percent are willing to pay a premium for protein-rich offerings. This reflects a major shift from protein being associated primarily with athletes and fitness enthusiasts to becoming an everyday nutritional requirement for a much broader consumer base.

Consumer preferences are also moving decisively toward cleaner ingredients. Nearly 61 percent of respondents prefer snacks sweetened with natural ingredients such as dates and jaggery instead of refined sugar, indicating rising demand for products with simple ingredient lists and fewer artificial additives. At the same time, 62 percent of consumers say ingredient transparency is the biggest factor influencing their trust in a snack brand, ranking it ahead of celebrity endorsements and influencer recommendations.

Speaking about the changing consumer mindset, Akash Sharma, Co-Founder of Farmley, says, "The future of snacking in India is being shaped by consumers who are making far more intentional choices than ever before. They are seeking snacks that offer functionality, transparency and convenience, while also catering to evolving taste profiles. At Farmley, we believe this evolution presents an opportunity to create products that deliver both nourishment and indulgence, without compromise."

Women's Nutrition, Kids' Health and Quick Commerce Create New Growth Opportunities

The report also points to the emergence of specialized nutrition segments that are expected to drive the next phase of category growth. More than half of the women surveyed expressed interest in snacks formulated to support nutritional needs during different phases of the menstrual cycle, highlighting the growing market for women's wellness and functional foods.

Similarly, healthy eating is becoming a greater priority for families. Nearly 60 percent of parents said they are willing to pay more for healthier snack options for their children, reflecting the premiumization of kids' nutrition and increasing acceptance of better-for-you food choices.

How consumers purchase snacks is evolving just as rapidly. The study found that 31 percent of respondents prefer Blinkit for snack purchases, followed by Zepto (16 percent) and Instamart (15 percent), underscoring the growing influence of quick commerce on impulse buying and convenience-led consumption. Despite this digital shift, physical retail remains highly relevant, with 35 percent of consumers saying shelf visibility continues to influence their purchase decisions.

Packaging is also emerging as an important differentiator. Around 30 percent of respondents prefer resealable packs, while 25 percent favor eco-friendly packaging, indicating that convenience and sustainability are becoming integral to the overall consumer experience rather than secondary considerations.

India's healthy snacking market is clearly entering a more mature phase where consumers expect products to combine nutrition, transparency, functionality, and convenience. As health awareness continues to rise and digital commerce expands, brands that successfully balance taste with clean ingredients, personalized nutrition, and seamless omnichannel availability are likely to lead the next wave of growth in the category.