DIPESH SETHIA

 If you're someone who is looking to invest for your future but feel lost when it comes to financial planning, don't worry—you're not alone! Many people feel unsure about how to save and invest for their retirement, especially when there are numerous options available. One such investment plan that stands out, especially in India, is the National Pension System (NPS) . In this detailed guide, we’ll walk you through what NPS is, how it works, the benefits it offers, and the difference between Tier 1 and Tier 2 accounts—all in simple terms. By the end of this article, you’ll have a solid understanding of NPS and how it can help you secure a comfortable retirement. What is the National Pension System (NPS)? The National Pension System (NPS) is a government-backed retirement savings scheme introduced by the Indian government to encourage people to invest in their future. It’s aimed at helping individuals build a secure retirement fund through systematic savings during their wo...

In recent months, platforms like Zomato, Swiggy, Myntra, and Zepto have introduced platform fees, an additional charge separate from delivery fees, taxes, and commissions. This move has raised eyebrows among consumers and investors alike. So why are these charges suddenly popping up, and how do they affect both the businesses and their users? The Business Perspective: Strengthening Unit Economics For companies like Zomato and Swiggy, the introduction of platform fees isn't just a cash grab—it's about improving unit economics , which refers to the profitability per transaction. The food delivery market is notorious for razor-thin margins, and revenue from commissions alone is often not enough to sustain long-term profitability. Zomato, for instance, collected ₹83 crore from platform fees in FY 2023-24 alone, showing how a seemingly small charge can significantly contribute to the bottom line. In fact, Zomato has declared multiple profitable quarters since it started rolling out ...