GOA’S GATEWAY TO THE FUTURE THE INAUGURATION OF THE MOPA LINK ROAD
In a significant stride towards enhancing connectivity and boosting Goa’s tourism and economy, the state witnessed the inauguration of the much-anticipated 6-Lane Access Controlled Link Road to the Manohar International Airport Mopa.
SPECIAL STORY
PAATHYA IHCL’S PATH TO SUSTAINABLE HOSPITALITY IN GOA
IHCL, one of the largest hotel chains in Goa, has emerged as a leader through its Paathya initiative. This article delves into Paathya, exploring its broader implications and impact on sustainable hospitality.
THE BOLLYWOOD QUEEN OF GOA BUMICKA'S JOURNEY FROM MUMBAI TO MASTERING GOA'S NIGHTLIFE
Bumicka, born and raised in the heart of Mumbai's Bollywood scene, was destined for a life intertwined with the glamour of the film industry. Her father, a stalwart of Bollywood for over four decades, provided her with a front-row seat to the dazzling world of cinema from an early age.
STORY
Rajesh Sheth’s JOURNEY OF TRANSFORMATION COVER
Rajesh Sheth’s JOURNEY OF TRANSFORMATION
CMRY SCHEME
CHIEF MINISTER ROZGAR YOJANA SCHEME HAVE GONE A LONG WAY IN PROVIDING OPPORTUNITIES TO
NOTEWORTHYMILESTONES
CMRYSKILL DEVELOPMENTSCHEME
2023
LOANENHANCEMENT
In2022, the maximum loan amountavailableunderthe CMRY initiative was increasedfromINR10lakh to INR 20 lakh, enabling entrepreneurs to pursue
2021
CMRYSTARTUPSCHEME
2020 - Dr Sawant launched this initiative, providing financial assistance and invaluable mentorship to burgeoning startups in Goa, fostering innovation and
2023 - In a bid to enhance employability, Dr Sawant launched the CMRY Skill Development Scheme, providing skill development training to unemployed
2022
CMRYWOMEN ENTREPRENEURSCHEME
2021 - Recognizing the potential of women entrepreneurs, Dr Sawant introduced this scheme, offering financial support and training to empower
2020
LIFESTYLE
4-Lane Project for Panaji-Belagavi
Highway Announced
Exclusive Private Dining experience at Copperleaf awaits!
IHCL Announces The Signing Of Sixth Taj Hotel In Goa
Manipal Hospital Goa Pioneers Life-changing Vats Surgery
Paathya: IHCL’s Path to Sustainable Hospitality in Goa
The Bollywood Queen of Goa: Bumicka's Journey from Mumbai to Mastering Goa's Nightlife
GOA’S GATEWAY TO
FUTURE The Inauguration of the Mopa Link Road In a significant stride towards enhancing connectivity and boosting Goa’s tourism and
the state witnessed the inauguration of the much-anticipated 6-Lane Access Controlled Link Road to the Manohar International Airport Mopa. UNWIND
CELEBRATE INDEPENDENCE DAY AND RAKSHA BANDHAN WEEKEND AT JW MARRIOTT GOA
ENERGY ADOPTION IN RURAL GOA
GTA Founding President Mangirish
Salelkar Attends National IT Policy 2024 Consultation Meeting
IHCL Goa Collaborates With The Government Of Goa On World Youth Skills Day
Seminar On Succession and Estate Planning Organized By GCCI
FESTIVAL
CHIKHAL KALO
GOA'S MUDDY CELEBRATION OF JOY AND TRADITION
Editor & Publisher
Rajesh Ghadge rajesh@rajeshghadge.com
Finance &Admin
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Layouts & Design
GPDM - A MEDIA COMPANY
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Contributors
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Gauri Ghadge
GOA RAIN OR SHINE
Despite heavy monsoons this year, Goa’s tourism and business activities have remained unaffected and seen a remarkable boom. The bustling Casino Street on Dayanand Bandodkar Road, teeming with tourists and vehicles every weekend, is a testament to the unyielding enthusiasm of visitors who hold the unwavering belief that Goa is the place to be, come rain or shine.
reliance on neighbouring states for electricity, food grains, meat, and vegetables underscores the pressing need for local agricultural and infrastructural development
403001 South Goa : FIIRE Business Incubator, Fatorda - Goa. 403602 Call: +91 89990 85172 / 96651 83739 Email: info@goaprism.com
Tourism, alongside real estate, is flourishing in Goa. New properties are springing up almost daily, predominantly owned by entrepreneurs from North India. This real estate surge has driven property prices to unprecedented heights Goa's status as a premier vacation and business destination has spurred
i n v e s t m e n t s i n l a n d , bungalows, and apartments, with many properties serving as dual-purpose vacation homes that generate rental income when not in use. For some, Goa is the ultimate retirement destination after a successful corporate career. This relentless demand has, however, made real estate increasingly unaffordable for local Goans, contributing to a growing floating population and straining the state’s limited resources Goa's
Although efforts are underway to spark an agricultural revolution in Goa, the timeline a n d s u c c e s s o f t h e s e initiatives remain uncertain. Infrastructure development is in full swing to meet the burgeoning demands The near completion of Goa's first smart city project in the capital and the ongoing construction of new bridges and flyovers are poised to support future growth and development.
Despite the long-standing closure of mining activities, Goa is making strides toward sustainable development, a promising sign of progress made possible by robust and stable leadership at both the state and central levels.
At our magazine, we believe in t h e p o w e r o f p o s i t i v e storytelling to foster a hopeful and proactive community. We are committed to bringing you inspiring stories of progress and development. Until next time, happy reading and stay inspired!
Rajesh Ghadge Editor
Rajesh’s long journey began with an early realization of his writing skills and nearly a superhuman power of vivid imagination; which together led to the birth of a successful media portal. His never-ending spree of learning has made him efficient in varied fields like coding, designing and also marketing. He fuels himself with continuous reading being a history fanatic and bouts of music and movies. Acting as a one-man army he prizes work over almost everything.
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Edited, printed, published and owned by Rajesh Ghadge, GOA PRISM DIGITAL MEDIA (Publishing Division), 2nd Floor, Udyog Bhavan, Opposite Azad Maidan, Panaji – Goa. 403001, INDIA. TEL: +91 966 518 3739
4-LANE PROJECT FOR PANAJI-BELAGAVI HIGHWAY ANNOUNCED
In a significant development for infrastructure in Goa and Karnataka, Union Minister for Road Transport and Highways, Shri Nitin Gadkari, has announced the ambitious 4-laning project of the Panaji-Belagavi section of NH-748. This extensive 52 km stretch is set to be developed at an estimated cost of 4000 crore, promising a transformative u p g r a d e f o r t h e r e g i o n ' s connectivity.
NH-748: An Overview
NH-748 is a vital artery in India's national highway network:
Starting Point: Junction with NH48 near Belagavi
Key Pathways: Passes through Anmod in Karnataka and Ponda in Goa
Termination: Junction with NH-66 near Panaji, Goa
Historical Context and Project Phases
The enhancement of NH-748 began in two distinct phases: Belagavi-Khanapur Section
S t a t u s : C o m p l e t e d a n d operational with toll collection at Ganebail
Scope: 4-laning from Km 0.000 to
Km 30.800
A w a r d e e : M / s A s h o k a
Concessions Ltd.
Length: 30 km
Khanapur-Anmod Section Status: Incomplete Scope: 2-laning with paved shoulder from Km 30.800 to Km 70 800, and 2-laning without paved shoulder from Km 70.800 to the Karnataka/Goa border at Km 84.120
Awardee: M/s Dilip Buildcon Ltd.
Challenges and Legal Hurdles
T h e p r o j e
environmental concerns. In 2019, a High Court stay was imposed following a petition by Bengalurub a s e d e n v i r o n m e n t a l i s t s . However, in March 2021, the Karnataka High Court vacated the stay, ruling that the National Highways Authority of India (NHAI) d i d n o t r e q u i r e p r i o r environmental clearance to widen NH-4A (now NH-748) Despite this legal victory, M/s Dilip Buildcon Ltd. withdrew from
EXCLUSIVE PRIVATE DINING EXPERIENCE AT COPPERLEAF AWAITS!
Copperleaf, a renowned multicuisine fine dining restaurant with locations in Panaji and Porvorim, is a seafood lover’s paradise, offering a dazzling array of delicious dishes that tantalize the taste buds. What sets Copperleaf apart as one of Goa’s ultimate d i n i n g d e s t i n a t i o n s i s i t s unwavering commitment to excellence in every aspect of its operation From sourcing the
finest local ingredients to
c r a f t i n g
c u l i n a r y masterpieces that delight t h e p a l a t e , every detail is infused with a passion for
c
o
g s , Copperleaf captivates guests with its sophisticated ambiance and warm hospitality.
Among its many offerings, the private dining spaces stand out as veritable sanctuaries for soirées, celebrations, and private events. These exclusive venues at Copperleaf are designed to offer a luxurious experience The private dining spaces include Solitaire, 10@Infinity, and Infinity at
the project, citing financial losses from the court stay and COVID-19 lockdowns.
Current State of the Highway
The present condition of the road, particularly near Gunji (Khanapur to Ramnagar), is dire:
Waterlogging: Approximately 4 feet of water on the service road
Construction Delays: Unfinished bypass work and a 10-20 foot trench with only pillars in place
New Financial Allocation
To address these issues and c o m p l e t e t h e p r o j e c t , a substantial 4000 crore has been sanctioned. This is a significant increase from the initial project value of 486.78 crore set in 2018.
Conclusion
The rejuvenation of NH-748 marks a pivotal step in enhancing regional connectivity and boosting economic growth. With renewed financial backing and a clear directive, the completion of the Panaji-Belagavi highway is poised to bring substantial benefits to the area.
Copperleaf Panaji, and Pepper, Mint, and Solaris at Copperleaf Porvorim.
Solitaire: More than just a private room, Solitaire offers an ultraexclusive, luxurious experience tailored to accommodate up to 8 guests Notably, Shri Nana Patekar ji and Shri Anupam Kher ji have visited Solitaire, praising its amazing ambiance and cuisine.
10@Infinity: This semi-private dining area is ideal for smaller groups of families, friends, or colleagues who wish to enjoy a meal together in a more private setting, accommodating up to 10 people.
Infinity: A versatile and elegant space perfect for any occasion, featuring a Bellini seating bar that accommodates up to 80 people. The stylish and comfortable setting ensures a memorable experience for all guests, whether it's a casual gathering or a formal event.
P e p p e r : Ideal for parties, anniversaries, and other events, this space offers a welcoming and festive atmosphere, ensuring a memorable experience for you a n d y o u r g u e s t s I t c a n accommodate up to 55 people. Mint: The perfect venue for those looking to host a private event or celebrate a special occasion with a group of 30-35 people. This spacious and elegant dining area offers a stylish and comfortable setting that is perfect for any event.
Solaris: With a capacity of up to 50 guests, Solaris epitomizes sophistication Whether it's an intimate anniversary dinner or a l i v e l y b i r t h d a y b a s h , t h i s meticulously designed space can be tailored to suit the unique needs of your celebration. For more information, visit http://www.copperleafgoa.com
IHCL ANNOUNCES THE SIGNING OF SIXTH TAJ HOTEL IN GOA
Indian Hotels Company (IHCL), India's largest hospitality company, today announced the signing of a Taj hotel in Anjuna, North Goa. Strengthening IHCL's presence in Goa, the beachfront resort is a greenfield project. Speaking on the occasion, Mr. Puneet Chhatwal, Managing Director & Chief Executive Officer, IHCL, said, "Continuing its
pioneering leadership in Goa for over five decades, IHCL is pleased to announce the signing of its sixth Taj hotel in Goa This expansion underscores IHCL's commitment to enriching Goa's hospitality landscape,building on its legacy of offering world-class experiences through its diverse portfolioof brands We are delighted to collaborate with
Bharat Realty Venture Pvt Ltd for this hotel.”
Spread across 17 acres, the 170key resort boasts an enviable beachfront with mesmerizing, unobstructed views of the Arabian Sea. Guests can indulge i n a v a r i e t y o f c u l i n a r y experiences, including an all-day dining restaurant, a specialty restaurant, a bar, and a lounge. G u e s t s s e e k i n g wellnessexperiences can find solace at the J Wellness Circle, offeringwide-ranging spa and rejuvenation treatments The resort with the largest banquet hall with outdoor lawns in North Goa is ideally suited for social celebrations and weddings events.
Mr. Dhaval Barot, MD and CEO of Bharat Realty Venture Pvt Ltd said, “We are excited to partner with IHCL for its iconic brand Taj, recently recognised as the World's Strongest Hotel Brand.This hotel will offer a new luxury destination for travellers to explore in Anjuna, North Goa.”
SEVEN KEY RECOMMENDATIONS OF 53RD GST COUNCIL
The 53rd GST Council meeting, was held in June 2024, where several key recommendations were announced, which mainly targeted ease of compliance & reducing litigation. This meeting was the first GST council meeting after the new Government took charge, after Lok Sabha elections 2024. Below are some of the Key recommendations by the GST Council. Care needs to be taken to note that many of these are only at “recommendation” level at the time of writing this article and s o m e m a y o r n o t m a y b e notified/implemented by the time this article is published. They will take legal force only when the respective notifications are issued or the Act is amended, as the case maybe.
K e y R e c o m m e n d a t i o n s : B i o m e t r i c A a d h a a r Authentication: The Council decided to implement biometricbased Aadhaar authentication
across India to enhance GST c o m p l i a n c e a n d c o m b a t fraudulent claims
Monetary limits for GST Appeal: Monetary limits were set for filing appeals by the tax department to reduce litigation:
GST Appellate Tribunal (GSTAT): Rs 20 lakhs
High Court: Rs1 crore Supreme Court: Rs 2 crores This means that, if the amount of tax in dispute is below the above thresholds, then the GST department shall not appeal the matter to superior forum as the case maybe. For egs, if a GST Appellate Tribunal gives a verdict in favour of the taxpayer, and the matter is worth below Rs 1 crore as tax, then the department shall not appeal the same further.
Pre-Deposit Reductions: The maximum pre-deposit amount required for appeals has been reduced to facilitate easier access to the appellate process and improve cash flow for taxpayers
Goa is India's premier holiday destination. Anjuna in North Goa offers rich cultural heritage, vibrant nightlife and an array of leisure activities, attracting visitors from around the globe. With the addition of this hotel, IHCL will have 16 hotels across Taj, SeleQtions, Vivanta and Ginger brands in Goa including 5 under development.
Pre-deposit for filing appeals before the Appellate tribunal reduced to 10% of the disputed tax amount or Rs. 20 crore each for CGST and SGST, whichever is lower, further easing financial requirements for taxpayers. Earlier limit was 20% with maximum amount with maximum of Rs. 50 crore each for CGST and SGST. This reduction will substantially h e l p s
e litigating their causes.
GST Rate changes:
Milk cans: GST reduced to 12%.
Carton boxes: GST reduced from 18% to 12%.
Solar cookers: GST set at 12% (TaxGuru) (TaxGuru)
Accommodation Services: A new GST exemption is being proposed to be introduced for accommodations costing up to 20,000 per month per person, provided for a continuous period of at least 90 days This is primarily targeted to help students staying i n v a r
l accommodations when studying away from home.
Interest and Penalty Waivers: Introduction of Section 128A in the CGST Act for conditional waiver of interest or penalty for specific past demands, provided full tax is paid by March 31, 2025. Interest and penalty waived on demand notices issued under Section 73 for FY 2017-18, 2018-19, and 2019-20, provided the full tax is paid by March 31, 2025. The waiver does not cover demand of erroneous refunds. This relief aims to ease financial burdens resulting from e a r l y G S T i m p l e m e n t a t i o n challenges.
Exemption for GSTR-9/9A: The Council recommended that filing of annual return in FORM GSTR9/9A for the FY 2023-24 may be exempted for taxpayers having aggregate annual turnover upto two crore rupees
26K GOANS SURRENDER INDIAN PASSPORTS, EMBRACE PORTUGUESE CITIZENSHIP
In the last decade, many Goans have opted to surrender their Indian passports, with most acquiring Portuguese nationality, according to state officials. This move grants them visa-free access to numerous countries, facilitating better employment and educational opportunities.
In response to a query by Congress MLA Yuri Alemao, Goa Chief Minister Pramod Sawant, who also oversees the Home Department, revealed that 25,939 individuals surrendered their Indian passports in Goa between January 1, 2014, and March 31, 2024.
Data from the Foreigners Regional Registration Office (FRRO) in Goa indicates that these 25,939 individuals applied for “new visa/exit permits” after
s u r r e n d e r i n g t h e i r I n d i a n passports within the said decade. In 2014, 2,037 people applied for new visa/exit services upon surrendering their passports. This figure surged to 4,121 in 2016 before slightly declining to 3,623 in 2017 and then to 2,958 in 2019. The number dropped to 954 in 2021 due to COVID-19 travel restrictions but rebounded to 2,094 in 2023.
An anonymous official disclosed that the majority of these individuals acquired Portuguese nationality. Portugal offers citizenship to those born in Goa before December 19, 1961—the day G o a w a s l i b e r a t e d f r o m Portuguese rule and to their subsequent two generations. The Portuguese passport provides visa-free entry to several
countries, including the UK and the EU, prompting many Goans to transcribe their births in Lisbon's Central Registry to avail these opportunities.
According to a report by The Indian Express, between 2011 and 2022, over 69,303 Indians surrendered their passports at regional offices across the country, with Goa accounting for over 40% of these cases.
In recent months, many Goans found themselves in a difficult situation after their passports were revoked following a Ministry of External Affairs (MEA) memorandum dated November 30, 2022 The memorandum instructed authorities to revoke passports, instead of issuing 'surrender certificates,' for i n d i v i d u a l s w h o a c q
MANIPAL HOSPITAL GOA PIONEERS LIFE-CHANGING VATS SURGERY
Manipal Hospital Goa has marked a groundbreaking achievement in surgical oncology with the successful completion of a VideoAssisted Thoracoscopic Surgery (VATS) procedure, a first for the Panjim region. This life-changing surgery was performed by Dr Sredharan M, Consultant Surgical Oncology, along with his expert surgical team, on a 72-year-old woman.
VATS is a state-of-the-art, minimally invasive surgical technique that uses a tiny camera (thoracoscope) and specialized surgical instruments inserted
through small incisions in the chest This method allows surgeons to operate with s i g n i f i c a n t l y l e s s t r a u m a compared to traditional open surgery.
The patient, diagnosed with early-stage non-small cell lung cancer in her right lower lobe, was advised by Dr. Sredharan M to undergo the VATS procedure
After thorough discussions with the patient's family, Dr. Sredharan and his team proceeded with the surgery.
Upon successful completion of the surgery, Dr. Sredharan M
Portuguese nationality for
citizenship The lack of a
Citizenship of India (OCI) card, left many Goans ineligible for OCI.
Last month, the Ministry of Home Affairs (MHA) announced that a “passport revocation order” could be used as an alternative document for granting visas or exit permissions on a valid Portuguese passport or OCI card. This policy change provided relief
Portuguese territories in India (Goa, Daman, and Diu) whose Indian passports had been revoked.
c o m m e n t e d , " G i v e n h e r
condition, VATS was chosen for its numerous benefits, including reduced pain, shorter hospital stays, and quicker recovery. The thoracoscope provided highdefinition images, enabling us to precisely remove the canceraffected lobe."
The procedure was conducted under the expertise of Dr. Sredharan M, Consultant Surgical Oncology, Dr Yogesh Gaude, Consultant - Anesthesia and Pain Management, and Dr Shekhar Salkar, Consultant - Surgical Oncology, along with the dedicated oncology team of Manipal Hospital Goa, including technicians and nurses.
Dr. Yogesh Gaude noted, "The patient experienced minimal discomfort and pain post-surgery, a significant improvement over traditional open chest surgeries. She recovered well and was discharged within a few days, continuing her recovery at home with regular follow-ups."
Dr. Shekhar Salkar emphasized, "This case exemplifies the advancements in surgical techniques that enhance patient
outcomes. The use of VATS, particularly for elderly patients, showcases the benefits of less invasive procedures. Beyond lung cancer, VATS can also treat conditions such as esophageal cancer, intra-thoracic tumors, a n d t h e r e m o v a l o f l u n g metastases."
T h i s s u c c e s s f u l s u r g e r y underscores Manipal Hospital Goa's commitment to adopting advanced medical technologies and techniques, ensuring that patients receive the highest standard of care.
MUMBAI TOGOA FROM
Rajesh Sheth’s Journey of Transformation
By Rajesh Ghadge
Rajesh Sheth, a prominent figure in Goa's business community, needs no introduction. Despite being born and raised in Mumbai, Rajesh's roots trace back to Goa, where his family's Kuldaivat (patron goddess) resides. In the early nineties, his family relocated to Goa, making it their Karma Bhumi (land of action). Since then, Rajesh and his family have made significant contributions to the state's economy, education, and employment landscape. This story chronicles Rajesh Sheth's journey and his seamless integration into Goan society.
"My father was in the real estate development business in Mumbai, and we often visited Goa to pay homage to our goddess in the village of Paroda, located in the Quepem Taluka. During one of these visits, someone showed my father a large piece of land in Porvorim. He instantly decided to invest in it," Rajesh recalls, adding that at the time, he had no idea this place would become their home for the rest of their lives "My father started his real estate business in the early seventies in Mumbai, but when he saw the potential in Goa, he decided to invest in a significant parcel of land. I believe it was the wish of our Kuldaivat that brought us to Goa and made it our home." Rajesh, with a background in electronics engineering, initially worked for a software development company in Pune before pursuing further studies in the USA. "I applied for a Master's in construction management in the US and soon joined my father in his business," Rajesh shares. After working with his father for almost eight months, he moved to the US to complete h i s M a s t e r ' s i n C i v i l Engineering "As soon as I finished my studies in the US, I returned to Goa to join my dad in his construction business. That marked the beginning of my construction and real estate development career in Goa."
Nova Cidade was their first project in Goa, spanning a large piece of land situated along the national highway in Porvorim. "The Nova Cidade complex comprises nearly t w e n t y r e s i d e n t i a l a n d c o m m e r c i a l b u i l d i n g s , featuring over two hundred apartments, nearly a hundred
offices, and more than fifty shops," Rajesh explains He adds that the land parcel in front of Nova Cidade also belonged to them. They developed this land into plots and sold them to individual buyers, who then constructed v i l l a s a n d b u n g a l o w s according to their needs.
Project Mall de Goa
Mall de Goa, the state's first full-fledged mall, is the
brainchild of the Sheth brothers, Rajesh and his younger brother Bhuvanesh. They conceptualized the project, drawing inspiration from the grand success of Cross Roads, Mumbai's first mall. "The idea for Mall de Goa stemmed from this inspiration," Rajesh says. "But when we started working on it, w e r e a l i z e d h o w overambitious and tedious the
journey would be Had we known the scale and the toll it would take on us, we might not have proceeded. However, once we started, there was no turning back. We managed to overcome all the major and minor obstacles."
Today, Mall de Goa stands as the only mall in Goa, housing numerous big brands and a multi-screen Inox multiplex. It attracts visitors not only from
Goa but also from neighboring states, who make road trips to shop, watch movie and enjoy the various food outlets in the mall.
The mall caters to the retail needs of local Goans, visitors from neighboring states, and tourists visiting Goa. "Tourists, in particular, find it appealing to visit the mall, enjoy the diverse food options in the food court, and experience t h e u n i q u e s h o p p i n g environment," Rajesh notes. The Education Sector Rajesh Sheth wears many hats, one of which is his involvement in the education sector. He oversees the Jnyan Vikas School, an English medium coe d u c a t i o n a l i n s t i t u t i o n established by his father in June 2005. Managed by the
Shri Sadanand Sheshgiri Shet Education Trust, this school was a dream project of the founder trustee, Late Shri Sadanand Sheshgiri Shet. "It was my father's dream to c r e a t e a n e d u c a t i o n a l institution to contribute to society. It began in 2005 in a small part of a bungalow and has steadily grown into a fullfledged institution offering classes from 1st to 10th grade. We will soon be adding preprimary and higher secondary sections," Rajesh shares. During the development of their land, Rajesh's father set a s i d e a p l o t f o r t h e educational institution he always envisioned. "My father always said that money will come and go, businesses will flourish, but the education we
i m p a r t w i l l a l w a y s b e remembered. We formed the trust in his name, Sadanand Sheshgiri Shet Education Trust. I still remember when the school started with just seven students in its first year. As it grew, we built the school building floor by floor. Today, we have over 400 students and classes up to the 10th grade While the future is uncertain, we are optimistic about expanding to higher levels soon," Rajesh narrates.
Heading the CREDAI - GOA
In the earlier days, there was no association for builders in Goa. This changed with the f o r m a t i o n o f t h e G o a C h a m b e r o f H o u s i n g Industries. "It was similar to the Goa Chamber of Commerce and Industries," Rajesh
explains. He joined the association in 2001, but soon after, various small and large developer associations across India united to form CREDAI (Confederation of Real Estate Developers Associations of India). "That's how the Goa Chamber of Housing Industries m e r g e d i n t o C R E D A I , becoming part of a national association. I've been involved w i t h C R E DA I s i n c e i t s inception in Goa."
CREDAI recently celebrated its 25th anniversary. "Boman Irani of Rustomjee Developers is currently the president of the association, with Manoj Gaur as its chairman," Rajesh notes. He is the president of CREDAI in Goa. "The normal term for this position is two years, but if no one else steps up, you can
continue for an additional term. I believe this association b e n e f i t s r e a l e s t a t e developers in the state, and everyone should participate to advance the industry Our goal is to work alongside the state government."
"Goa is a small state, making it easier to collaborate with the g o v e r n m e n t a n d h e l p implement policies," Rajesh continues. He also mentions RERA (Real Estate Regulatory Authority), a government body established to regulate a c t i v i t i e s a n d p r o t e c t consumers. "CREDAI's task is to unite real estate developers for the benefit of all the stakeholders."
Addressing why many builders do not join the association, Rajesh points out a common issue in small states. "Here, any problems that arise can often be managed individually, so many builders don't feel the need to join an organization or association. This is one of our biggest challenges. However,
when policies are made, everyone, members and nonmembers alike, benefits," he adds.
With a vision of making India carbon neutral by 2070, the Prime Minister has set an ambitious sustainability goal. However, CREDAI has decided to accelerate this timeline, aiming to achieve carbon neutrality by 2050. "We are actively working towards this
"Meanwhile, TCP Minister
V i s h w a j i t R a n e i s a l s o supporting this initiative by collaborating with the IGBC
(
i o n established in 2001 by the Confederation of Indian Industry (CII). The council's goal is to make India a leader in sustainable building by 2 0 2 5 a n d t o c r e a t e a sustainable built environment for everyone."
"This collaboration will help s e c u r e g r e e n b u i l d i n g
stepping up to rejuvenate agriculture. The success of o n e p r o j e c t c a n b o o s t subsequent ones, creating a positive chain reaction Reviving agriculture is crucial, and alongside this, generating employment within the state is essential. Many Goans are moving out in search of jobs. I believe the IT sector and clean manufacturing can drive the state's industry in the right direction."
He also highlights the growing export business in Goa, with n u m e r o u s c o m p a n i e s engaged in exporting locally manufactured goods "The government is focusing on skill development to create a skilled workforce within the s t a t e , " R a j e s h a d d s , expressing his optimism for Goa's future.
c e r t i f i c a t i o n s , " R a j e s h explains. "These certifications will allow developers to market their projects at p r e m i u m r a t e s w h i l e simultaneously helping to balance nature by reducing carbon footprints."
The Way Ahead
According to Rajesh, Goa is evolving from being just a s o u g h t - a f t e r t o u r i s m destination into a prime market for holiday homes. "We are planning to develop both affordable and premium homes, ensuring that the charm of Goa, for which the state is renowned, is not compromised," he shares. "I believe the state government also needs to take initiative on various fronts, such as zoning land parcels. The government is working towards this, and we can only hope for the best." Rajesh is optimistic about the revival of the agricultural sector in the state. "There is already a movement towards this, with many private players
B e f o r e c o n c l u d i n g t h e interview, Rajesh emphasized that his presence in Goa is a blessing from their Kuldaivat (Family Goddess). "Today, due to her blessings, I have the opportunity to serve the temple as the president of the committee. I held the position from 2016 to 2019, and currently, I am the vice president for the term from 2022 to 2025. We are in Goa because of her blessings, and our success in every field is nothing but her grace. I am leaving no stone unturned in my service to the temple," he shared.
PAATHYA
IHCL’S Path to Sustainable Hospitality in Goa
By Rajesh Ghadge
Sustainability has become the c o r n e r s t o n e o f n u m e r o u s initiatives aimed at rejuvenating o u r p l a n e t , w i t h p e o p l e everywhere contributing in various ways. While the concept of sustainability is not new, it gained significant attention postC OV I D , a p a n d e m i c t h a t reshaped our world In the hospitality sector, sustainability is crucial, with every hotel in Goa implementing measures to enhance the sustainability of their properties Among them, IHCL, one of the largest hotel chains in Goa, has emerged as a leader
through its Paathya initiative. This article delves into Paathya, exploring its broader implications and impact on sustainable hospitality. What is Paathya?
According to Dr. Anmol Ahluwalia, Area Director – Operations at IHCL, Paathya is derived from the Sanskrit word , meaning a path. “Paathya encapsulates our initiatives to lead positive change, aligning with IHCL's core values of trust among all stakeholders, awareness of our ecosystem's needs, and joy at heart. Building on IHCL's century-old legacy,
chain transformation, and sustainable growth,” said Mr. Ahluwalia He added that the pillars of Paathya are based on Progress, Preserve, Prudent, Promise, Promote, and Partner, w h i c h h i s c o l l e a g u e s w i l l elaborate on in the coming days. Here Are the GMs saying on the Six Major Pillars of the Paathya The Paathya Initiative is founded on six essential pillars critical for its sustainability and success: Progress, Preserve, Prudent, Promise, Promote, and Partner.
PROGRESS
Sustainable Growth
Our commitment to sustainable growth is deeply rooted in our legacy, emphasizing diversity, e x c e l l e n c e , a n d p o s i t i v e outcomes. The core objective of Paathya is to foster economic growth while ensuring positive s o c i a l a n
impacts.
PRESERVE - Heritage and Brand India's rich culture and heritage are invaluable. Through Paathya, we aim to preserve, promote, and enhance this intangible wealth. Many of our hotels are engaged in initiatives that safeguard and celebrate India’s traditions and monuments, offering guests a multitude of cultural experiences.
P R U D E N T - C o r p o r a t e Governance
Paathya charts a journey focused on environmental stewardship, social responsibility, excellence in g o v e r n a n c e , h e r i t a g e preservation, value chain transformation, and sustainable growth,” Mr. Ahluwalia explains. Celebrating 50 years in Goa, IHCL sees Paathya as the future, emphasizing environmental importance. “Having completed 50 glorious years in Goa, IHCL is forging ahead with Paathya, focusing on environmental stewardship, social responsibility, excellence in governance, heritage preservation, value
IHCL has always been a pioneer in adopting practices that not only comply with legal standards but also set benchmarks for the industry The principles of independence, accountability, responsibility, transparency, trusteeship, and disclosure guide us in creating long-term value for our partners.
PROMOTE - Environmental Stewardship
In our quest for a cleaner, g r e e n e r , a n d s u s t a i n a b l e ecosystem, our environmental s t e w a r d s h i p e f f o r t s a r e comprehensive, focusing on clean energy use, water conservation, waste management, and the elimination of single-use plastics.
PARTNER - Transformation
We actively engage with our vendors and partners to transform our value chain using technology to optimise time, cost, and quality.
We implement fair work practices and assess risks. Our sustainable supply chain and best-in-class procurement practices support the growth and capability development of our suppliers and vendors, with a focus on local and indigenous procurement.
W h a t T h e L e a d e r s o f t h e Organization Says?
Souvik Bhattacharya: Preserve
A c c o r d i n g t o S o u v i k Bhattacharya, General Manager of Taj Holiday Village Candolim. India, with its rich culture and heritage, is home to many cultural gems. “With Paathya, we attempt to preserve, promote and enhance this intangible wealth. Several of our hotels are engaged in initiatives to preserve and promote India’s rich heritage of traditions and monuments while providing our guests with many e x p e r i e n c e s , ” s a y s M r Bhattacharya.
A s h w i n i A n a n d , G e n e r a l Manager, Taj Cidade de Goa: Prudent
According to Ashwani Anand IHCL has always been a frontrunner in adopting practices that not only operate in conjunction with the laws but also set an example for the industry to follow “The
c
independence, accountability, responsibility, transparency, trusteeship and disclosure serve as the means and the basis for us to create long-term value for our partners.
T h i s i s A s h w a n i A n a n d , General Manager Taj Cidade de Goa,” he adds.
A s h i s h K u m a r , G e n e r a l Manager Ginger, Goa: Promise :
“With our community at heart, we remain steadfast in our efforts towards public welfare,” says Ashish Kumar adding “Social responsibility and supporting livelihoods via multiple skilling and learning initiatives Led by our values, “We encourage our workforce to devote a part of their work hours towards the greater good by volunteering and active participation.”
Ashok Vasudevan, General Manager Vivanta by Taj Panaji and Miramar: Promote “In our endeavour towards creating a cleaner, greener and more sustainable eco-system,” says Mr Ashok Vasudevan adding “ our environmental stewardship efforts are holistic, with emphasis on promoting areas such as the
use of clean energy, conserving water, managing waste and avoiding single-use plastic.”
Himadri Ray General Manager
The Yellow House, Anjuna Taj SeleQtions: Partner
“We continually engage with our vendors and partners to transform
o u r v a l u e c h a i n b y u s i n g technology for the optimising t i m e , c o s t & q u a n t i t y , implementing fair work practices, and assessing risks,” he said adding “Sustainable supply chain and best-in-class procurement practices support the growth and capability development of the suppliers and vendors, also emphasising on local and Indigenous procurement.”
Conclusion
The Paathya Initiative by IHCL stands as a testament to the c o m p a n y ’ s u n w a v e r i n g commitment to sustainability and r e s p o n s i b l e h o s p i t a l i t y .
Celebrating 50 years in Goa, IHCL continues to lead by example, weaving the principles of environmental stewardship, social responsibility, and heritage preservation into the very fabric of their operations. With a clear focus on sustainable growth, e t h i c
transformative partnerships, Paathya encapsulates the holistic approach required to foster a sustainable future
The insights and dedication shared by the General Managers across various properties reflect IHCL's deeprooted values and forwardthinking strategies As the hospitality industry continues to evolve, initiatives like Paathya pave the way for a greener, more inclusive, and culturally rich future, ensuring that the legacy of IHCL not only endures but thrives in harmony with the planet and its people.
The Bollywood Queen of Goa
Bhumicka's Journey from Mumbai to Mastering Goa's Nightlife
By Rajesh Ghadge
Bhumicka, born and raised in the heart of Mumbai's Bollywood scene, was destined for a life intertwined with the glamour of the film industry. Her father, a stalwart of Bollywood for over four decades, provided her with a front-row seat to the dazzling world of cinema from an early age As a self-proclaimed "Bollywood child," Bhumicka grew up attending exclusive film launches and star-studded festival parties, hosted by the industry's elite.
Immersed in the vibrant culture of Bollywood, Bhumicka's path seemed clear However, she yearned to carve out her own identity within the entertainment w o r l d W i t h a n i n n a t e understanding of glitz and glamour, she ventured beyond Mumbai, setting her sights on the thriving nightlife and hospitality scene in Goa.
Bhumicka's transition was nothing short of spectacular. Her unique blend of Bollywood flair and entrepreneurial spirit quickly earned her the title of the "Bollywood Queen of Goa " Through her connections and keen b u s i n e s s a c u m e n , s h e transformed Goa's nightlife, creating a brand synonymous with luxury, entertainment, and
unforgettable experiences. This is the remarkable journey of Bhumicka, from the bustling streets of Mumbai to the sunkissed beaches of Goa, where she reigns supreme in the world of nightlife and hospitality.
According to Bhumicka, her Bollywood debut came with the film "Aap Ki Khatir," produced by Venus and featuring a starstudded cast including Akshay Khanna, Dino Morea, Priyanka Chopra, and Sunil Shetty. The film w a s d i r e c t e d b y o n e o f Bollywood's leading directors, Dharmesh Darshan. "He offered me a role in the movie, and there was a 45-day schedule in London where I had the chance to do an item number and a couple of scenes," she shared.
Despite receiving many offers after her debut, Bhumicka found them uninspiring and declined. "The offers I got did not resonate with me, and the ones I wanted to do, I didn't get an opportunity. I think maybe Bollywood was not my destiny," she reflected.
During this period, Bhumicka frequently visited Goa for
vacations, exploring its vibrant party scene at places like Tito's and Mambo's. It was during one of these visits that she met Anup, who introduced her to Ricardo D’Souza, the owner of Tito's. Impressed by her Bollywood background, Ricardo offered her the opportunity to host an event at his club, marking the beginning of her influential presence in Goa's nightlife.
"In 2015, Bollywood music was largely absent from Goa's club scene. No DJ played Bollywood songs, and people often looked down on Bollywood," Bhumicka recalls. She and Ricardo Joseph D’Souza, the owner of Tito's, decided to bring the Bollywood vibe to the club. "I agreed to host the event, but I had no experience in curating one. Others doubted it would work, but I went ahead with the first event at Mambo's in 2015, and it clicked."
The inaugural event drew a modest crowd of two hundred people and was held on Fridays, dubbed "Bollywood Fridays." However, the scene quickly transformed. "Within a few weeks,
the crowd started growing. At times, there was a huge queue stretching from Mambo's to Tito's, a n d t h e p l a c e w o u l d b e completely packed."
The impact of Bollywood nights was so profound that Tito's experienced a dip in attendance on Fridays when Bhumicka's show was at Mambo's. This led to the introduction of Bollywood nights at Tito's on Saturdays "Since then, there was no looking back. I continued doing shows on Fridays at Mambo's and Saturdays at Tito's, and both venues were always packed."
Bhumicka notes that others tried to replicate their success, but none could match the charm of her performances. "I believe it is R i c k y a n d I w h o b r o u g h t Bollywood culture to Goa," she asserts.
The Bollywood Queen of Goa
During that time, convincing DJs to play Bollywood music was a formidable task, as most of them p r e f e r r e d t e c h n o m u s i c , " Bhumicka recalls. "Now things have changed, and everyone is trying to copy our success. I've
received offers from others, but I politely declined them all DJs would never call me by name, instead saying 'Hey Bollywood Queen,' and that's how I earned the title 'The Bollywood Queen of Goa.'"
This moniker led to Bhumicka being featured in numerous media coverages, each referring to her as the Queen of Bollywood in Goa "Post-COVID, the scenario has changed with the rise in Indian tourists and the increased demand for Bollywood music," she says. "I am the founder of Bollywood Nights in Goa, which started in 2015."
The Influencer’s World
Reflecting on the impact of COVID-19, Bhumicka noted that the entertainment and hospitality industries were among the hardest hit, being the first to close and the last to reopen. "COVID-19 changed many lives, and I believe mine was one of them. With the e n t e r t a i n m e n t i n d u s t r y completely shut down, I found myself with nothing to do," she said.
During this challenging period,
some of Bhumicka's influencer friends suggested she delve into the world of social media influencing. "Prior to that, I wasn't very engaged with social media; it was just a platform for posting videos," she explained. "I come from a background of live performances with huge crowds in front of me, and Instagram wasn't my cup of tea. But that all changed during COVID-19."
Bhumicka began creating videos featuring beauty products and posting them on social media. "I started connecting with brands who would happily send me products to review, although they wouldn't pay me for it," she s h a r e d . T h i s m a r k e d t h e beginning of her journey into the influencer world, transforming her presence and expanding her reach beyond live events to digital platforms.
"When I started influencer marketing, I hardly had any followers, but my audience grew rapidly, and I reached 100K followers in a very short span of
time," Bhumicka shared. She now boasts more than half a million followers "One of my first opportunities in influencer marketing was traveling to Udaipur to review a resort. They invited me to stay for three days and experience their facilities Soon, many brands started connecting with me, and I began traveling frequently to Goa to review hotels and restaurants."
Bhumicka believes that her work, directly or indirectly, has played a role in attracting tourists to Goa.
"The events we held at Tito's and Mambo's pulled huge crowds, especially Bollywood lovers. My social media engagement seems to have brought significant business to the hospitality industry in the state," she said.
Her recent collaborations with top brands like Nykaa, Flipkart, and OnePlus have also been pivotal.
"Post-COVID, I wanted to return to Goa and connected with Ricky. We restarted our events with a special Independence Day event at Tito's," Bhumicka added,
marking her triumphant return to the entertainment scene in Goa. Bhumicka credits much of her success to Ricardo D'Souza. "Ricardo has been instrumental in my journey," she acknowledges. Looking ahead, she has ambitious plans. "I am very actively involved in animal welfare, which is a side of me not many people know about. I love doing whatever I can to help stray animals and have plans to open a shelter for them," she shared.
In addition to her philanthropic efforts, Bhumicka is working on launching her own celebrity clothing collection in Goa. She also has dreams of opening a beach club, restaurant, or café. "Whether it's a beach club, a restaurant, or a café, I want something I can call my own," she said.
Her popular Bollywood Nights at Tito's and Mambo's will continue to attract crowds, ensuring her enduring presence in Goa's vibrant nightlife scene "The Bollywood Night with Bhumicka
Singh will keep pulling in the crowds at Tito's and Mambo's," she added.
GOA'S PREMIER FOOD & HOSPITALITYMAGAZINE
The Inauguration of the Mopa Link Road GOA’S GATEWAY TO THE FUTURE
By IGTEAM
In a significant stride towards enhancing connectivity and boosting Goa’s tourism and economy, the state witnessed the inauguration of the muchanticipated 6-Lane Access Controlled Link Road to the Manohar International Airport Mopa. This momentous event, held on a vibrant Thursday evening, brought together key figures in Indian governance
transformative vision driving the state forward.
A Vision Realized Under Leadership
At the heart of this remarkable development is Goa’s Hon'ble Chief Minister, Dr Pramod Sawant, whose strategic foresight and leadership have been instrumental in bringing this project to fruition. The inauguration ceremony was graced by Union Minister for Road Transport and Highways, Shri Nitin Gadkari, whose pivotal role in supporting and facilitating the project highlights the collaborative
spirit between the Union and state governments.
D r . S a w a n t ’ s s p e e c h resonated with gratitude and optimism. He extended his heartfelt thanks to Union Minister Shri Gadkari and
Hon'ble Prime Minister Shri Narendra Modi for their unwavering support, which has been crucial in the realization of this state-ofthe-art infrastructure The Chief Minister emphasized the transformative impact this project will have on Goa, reducing travel time to the Manohar International Airport and significantly boosting t o u r i s m a n d t h e l o c a l economy.
The Mopa Link Road: A G a t e w a y t o S e a m l e s s Connectivity
The newly inaugurated 6-lane access-controlled link road, officially designated National Highway 166S, stretches nearly s e v e n k i l o
s a n d represents a significant e
G
infrastructure. This elevated corridor, which connects the airport to the MumbaiK
Highway 66, promises to revolutionize travel within the state and beyond.
National Highway 66, a vital artery in India’s road network, connects major cities from Panvel near Mumbai to Cape Comorin in Kanyakumari, t r a v e r s i n g t h r o u g h Maharashtra, Goa, Karnataka, Kerala, and Tamil Nadu. The Mopa Link Road’s strategic alignment with this highway will streamline travel between
Goa’s new international airport and these key states, making it easier for travelers from across the country to reach the region.
P r e v i o u s l y , t h e j o u r n e y between the airport and Dhargal—a distance of about 12 to 15 kilometers—could take anywhere from 20 to 30 minutes during traffic-free hours. However, this duration often extended during peak traffic times, with the older two-lane roads winding through villages. The new link road is designed to address these inefficiencies, offering f a s t e r , m o r e r e l i a b l e connectivity that will enhance the overall travel experience.
E n h a n c i n g R e g i o n a l I n f r a s t r u c t u r e a n d
Connectivity
The new link road is not just a b o o n f o r t r a v e l e r s ; i t represents a significant leap in regional infrastructure. Built
under the Engineering, P r o c u r e m e n t , a n d Construction (EPC) mode, the p r o j e c t c o m m e n c e d i n December 2021, a year before the airport began operations. The decision to designate the road as National Highway 166S in September 2020 further underscores its importance in the national road network.
One of the project’s highlights is its bridge pillar, which, as noted by the Chief Minister, stands as the highest in India. This impressive feat is a testament to the road’s engineering excellence and its capability to accommodate high-speed vehicular traffic. Access-controlled roads, by their very design, regulate traffic flow, ensuring safety and uninterrupted travel. The Mopa Link Road’s barriers prevent the entry of cattle, pedestrians, and slow-moving vehicles, thereby enhancing
both speed and safety.
In a post on X (formerly T w i t t e r ) , D r S a w a n t celebrated the inauguration, emphasizing how the new M o p a L i n k R o a d w o u l d
e n h a n c e r e g i o n a l infrastructure and provide a seamless travel experience for both tourists and locals. His vision for Goa’s development, m a r k e d b y s t r a t e g i c investments in infrastructure, is clearly visible in this project.
A S y m b o l o f G o a ’ s Infrastructure Renaissance
The inauguration of the Mopa Link Road symbolizes a b r o a d e r n a r r a t i v e o f infrastructural transformation under Dr. Sawant’s leadership. Known for his commitment to development, the Chief M i n i s t e r h a s o v e r s e e n numerous projects that are reshaping Goa’s landscape
The Mopa Link Road is a key part of this transformation,
aligning with the goals of the Double Engine Sarkar—a term that reflects the synergy between the state and Union g o v e r n m e n t s i n d r i v i n g progress.
Dr. Sawant’s administration h a s b e e n p r o a c t i v e i n leveraging opportunities to enhance Goa’s infrastructure. The focus on multimodal connectivity, as evidenced by this project, is set to reduce logistics costs and improve the efficiency of travel and transportation within the region The collaborative efforts of the Government of Goa, the Union Government, engineers, contractors, and other stakeholders have been crucial in achieving these milestones.
The Chief Minister’s assurance that development under Gati Shakti a national initiative a i m e d a t a c c e l e r a t i n g infrastructure projects will
c o n t i n u e , r e f l e c t s a commitment to sustained growth. With multiple projects completed and many more underway, Goa is poised to b e c o m e a m o d e l o f infrastructural excellence and economic vitality.
Looking Ahead: The Future
of Goa’s Infrastructure
As Goa embraces this new chapter of connectivity and development, the Mopa Link Road stands as a beacon of progress The enhanced accessibility it provides to the Manohar International Airport w i l l n o t o n l y f a c i l i
smoother travel for tourists and residents but also bolster Goa’s position as a premier destination in India’s tourism landscape.
The partnership between Union Minister Shri Nitin Gadkari and Chief Minister Dr. Pramod Sawant exemplifies
the power of collaborative governance in achieving developmental goals. Their joint efforts in realizing this project underscore a shared v i s i o n f o r a d v a n c i n g infrastructure and fostering economic growth.
In conclusion, the inauguration of the Mopa Link Road is more than just an event; it is a milestone in Goa’s journey towards modernity and e f f i c i e n c y U n d e r t h e leadership of Dr Pramod Sawant, with the support of key national figures like Shri Nitin Gadkari, Goa is set to experience a transformative p e r i o d o f g r o w t h a n d prosperity This project not only enhances connectivity b u t a l s o r e f l e c t s a commitment to excellence in infrastructure, ensuring a bright and promising future for the state.
Visionary Behind Goa’s Leading Security Agency ANIL DESAI
By Rajesh Ghadge
Anil Desai hails from the charming village of Pernem in North Goa. A law graduate from Salgaonkar College of Law, Anil has carved a niche for himself by establishing one of the most successful security agencies in Goa His father relocated to the capital city, leaving behind their 400year-old ancestral home, in pursuit of better opportunities and a brighter future for his family.
Despite his father's serviceoriented background, Anil ventured into the business world and found tremendous success. His story is one of determination and vision, as he built Goa’s leading professional security agency, leaving an indelible mark on the state. Anil Desai's journey from a small village to becoming a prominent business figure in Goa is truly inspiring.
Anil Desai originally pursued a law degree with aspirations of a legal career. "Soon after finishing my degree, I joined the Chamber of Mahesh Sonak, who is now a judge of the honorable high court of Goa," shared Anil. He also practiced alongside Advocate Devidas Pangam, currently the Advocate General of Goa.
"Coming from a service-oriented family, my first choice was steady employment, and I was fortunate to secure a position with GSIDC," Anil recalled. GSIDC, a new corporation initiated by the late Chief Minister of Goa, Shri Manohar Parrikar, appointed Anil as the Manager Legal Head. "In
just a year and a half, the organization built more than fifty bridges across Goa, significantly advancing the s t a t e ' s i n f r a s t r u c t u r e However, after Mr Parrikar m o v e d t o D e l h i , t h e organization lost its direction, prompting me to move on to my next role as Corporate Legal Head at Dempo Group of Companies.”
A t D e m p o G r o u p o f Companies, Anil Desai had his longest stint, spanning 12 years, before venturing into the security industry. When asked about what influenced his decision, he shared an intriguing story: "My uncle, who was the Superintendent of Police and later the Chief of Police at Daman, Diu, and Silvasa in 1995, started his own security services business in 1998 He quickly grew his company, leveraging the industrial hub of Silvasa, and now runs one of the top security services in India. He inspired me to leave my job and enter the so-called 'risky b u s i n e s s ' o f entrepreneurship."
Despite the reluctance and fear of losing a steady income, Anil decided to take the plunge. "I couldn't take the jump immediately, so I studied the market thoroughly. I
t r a v e l e d t o D a m a n t o understand the security business and its workings. It w a s a b l u e - c o l l a r j o b , completely different from the corporate world. I had to deal with various situations faced by security guards. I wasn't cut out for it initially, and age was a factor—I was no longer a 20year-old willing to take risks. I had a family to support. However, after four to five months of research, I decided to dive into my own venture." Anil’s journey, marked by
c a r e f u l p l a n n i n g a n d unwavering determination, eventually led him to establish a successful security agency, f u r t h e r c e m e n t i n g h i s reputation as a dynamic entrepreneur.
When Anil Desai entered the security business, he quickly began to observe both its strengths and weaknesses. As a h i g h l y e d u c a t e d l a w graduate, he realized he had a significant advantage over o t h e r s w h o l a c k e d professional or educational backgrounds. “When I started the security business, the first thing I did was obtain a PSARA (Private Security Agencies (Regulation) Act) license, w h i c h r e g u l a t e s t h e functioning of private security agencies. This initiative, introduced by Honorable Home Minister Shri Amit Shah, ensures the authenticity and t r a i n i n g o f s e c u r i t y professionals who guard your home and office in your absence,” Anil explained. He continued, “We established our own training center in Miramar and a training ground in Raibandar to provide essential training to our security guards. Each guard is trained according to their specific placement. For instance, guards working in resorts are trained to be polite a n d h o s p i t a b l e , understanding the importance of professionalism. In contrast, guards placed in housing societies are trained for a d i f f e r e n t s e t o f responsibilities. All our guards are also trained in using firefighting equipment.”
Anil further added, “The next s t e p w a s t o s e t u p a n upmarket office. I had seen the kind of offices most security companies had, and I wanted something better. Our
o f f i c e i n c l u d e s a f u l l y equipped meeting room, a conference room, a pantry, a n d a l l t h e n e c e s s a r y facilities This professional environment not only sets us apart but also ensures we provide the best service to our clients.”
Through his meticulous planning and dedication, Anil Desai has transformed his venture into a leading security agency in Goa, demonstrating that professionalism and proper training are key to success in the industry. Today, Anil Desai boasts an impressive portfolio of over 130 clients, a testament to his dedication to trust and exceptional service. “I believe in building relationships rather than just accumulating clients,” Anil emphasized. When he first ventured into the security business, many doubted his capabilities. He then chose to grow his client base through friends and family, allowing the business to flourish. “Joining BNI was a game-changer. It significantly boosted our growth, and there was no turning back. In just four and a half years, we expanded to a large office and now employ a force of more than four hundred guards.”
Anil also spoke about the importance of creating a recognizable brand “It started with the color of our security guards’ uniforms, w h i c h i s c r u c i a l . A f t e r surveying the market, I chose Maroon & Black, inspired by the Japanese Police. Next, we created a trademark for Squad Security, incorporating an 'A' in the design, naming it A-Squad Security Company. This branding made our business stand out,” he explained.
Anil Desai sees crises as opportunities. “We launched our security agency in 2020, j u s t a s t h e C O V I D - 1 9 pandemic hit While many businesses were downsizing, I focused on employment generation As others were laying off staff, I hired more, taking advantage of the availability of affordable l a b o r B y t h e t i m e t h e pandemic receded, I had built a substantial team, having taken care of them for six months—it was a calculated risk,” he explained.
Anil also navigated the challenges of placing his security guards during the p a n d e m i c “ W i t h m o s t businesses shut down, the food sector was one of the few operating. I secured contracts with supermarkets, hotels, and restaurants, and later expanded into clubs.” Today, the demand for security services is vast, spanning government and private organizations. “The trend of private security for the w e a l t h y a n d f a m o u s i s growing, and we hold a significant share in this sector. We also provide security for major events like IFFI, the W o r l d T a b l e T e n n i s Tournament, temples, and banks. We are everywhere, and I’m here to paint the town in Maroon and Black,” Anil proudly stated.
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The Entrepreneurial Odyssey of Arman Bankley
By Rajesh Ghadge
Arman Bankley, a firstgeneration entrepreneur and chemical engineer, has carved a distinguished path from his beginnings in Mumbai to becoming a pivotal figure in Goa's industrial sector. Born and raised in Mumbai, Arman relocated to Goa at the age of 2 4 t o e m b a r k o n h i s entrepreneurial journey Leveraging his extensive e x p e r i e n c e i n t h e manufacturing industry, he founded his first venture in 1 9 9 4 , f o c u s i n g o n t h e processing of manganese ore. Today, Arman Bankley is a celebrated name in Goa, renowned for his contributions t o v
s a n d associations. He serves as the Director of Armines Group and h o l d
h e p
s i t i o n o f Nominated Director at the Goa Industrial Development Corporation. Additionally, he is the Senior Director of Business Growth at BNI Goa, Co-Founder and Trustee of V i b r a n t G o a , a n d t h e Honorable Secretary of the Kacoda Industrial Association. Arman is also a Co-Founder of the Goa Exports Group. When Arman Bankley arrived in
Goa, he had nothing but a modest amount of capital and a big dream. "I had saved one lakh rupees, which was my initial capital investment into the business, but that alone was not sufficient to set up the industrial shed with all the required machinery," he recalls. Fortuitously, he met Mr. Kaisare, the head of MSME in Goa. "I approached him for a loan, and he saw some spark in me, helping me secure a business loan of 13 lakhs. That amount was sufficient in those d a y s t o s e t u p t h e manufacturing unit with machinery. The business did so well that the loan, which was meant to be paid back in eight years, was repaid within just two."
Mr. Bankley's determination w a s c o m p l e m e n t e d b y serendipitous encounters with the right people at the right time. "Soon, I connected with Mr. Ramakant Angle and Mr. Maghashyam Nayak, who were in the mining business. They supported me with the raw materials, such as manganese ore and minerals, which are crucial ingredients for producing battery raw materials," he explains. Major brands like Eveready, Novino a n d N i p p o b e c a m e h i s customers. "We were the largest suppliers of raw materials to them, and within a few years, I managed to set up more than five manufacturing units in Goa."
In 2007, Arman Bankley faced a significant downturn in his business due to the closure of mining operations. "I had five units and over a hundred e m p l o y e e s , a n d o u r production plummeted from one thousand tons a month to a mere hundred tons," he recounts. Unwilling to lay off his staff, he sought a solution
amidst rising overheads "I
n o t i c e d t h a t G o a ' s construction and real estate industries were booming. This inspired me to pivot to m a n u f a c t u r i n g c e m e n t products, utilizing my existing manpower and facilities
T h o u g h I h a d n o p r i o r knowledge in this field, divine intervention and business acumen guided me."
During this period, the construction of the new Dabolim Airport terminal building was underway. "I was the first in Goa to start manufacturing cement blocks which was replacing the laterite, as there was also a ban on laterite stone mining due to the mining closure. I secured the contract to supply cement blocks for the new Dabolim Airport," he shares.
T h i s s t r a t e g i c m o v e established his company as a one-stop shop for all types of cement products needed for the construction industry in Goa.
Recognizing the burgeoning opportunities in the booming real estate market, Arman
B a n k l e y s t r a t e g i c a l l y diversified his product line "The construction industry needs sand, plaster, tiles, adhesives, and more. This inspired me to develop and manufacture additional p r o d u c t s i n - h o u s e , " h e explains. Today, his company offers a wide range of cement products essential for the c o n s t r u c t i o n i n d u s t r y , including lightweight blocks, eco sands, tiles, adhesives, and ready-made plasters. "I kept adding new products until 2015, when I met my mentor and guru, Mr. Jagat Shah, who transformed my vision and expanded my horizons."
Mr. Shah played a pivotal role
in guiding Arman to extend his b u s i n e s s b e y o n d G o a ' s borders. "The opportunity to become part of Vibrant Goa also came through Mr. Shah. His expertise in exports and business mentoring opened new avenues for me," Arman shares. "Through the Vibrant Goa platform in 2019, I had the chance to visit GCC countries, Vietnam, and other Southeast Asian nations Observing global advancements and recognizing areas where I was lagging, I ventured into exports and expanded my business internationally."
According to Mr. Bankley, the pandemic turned out to be a blessing for his business. "All m y c l i e n t s , t o w h o m I previously supplied only manganese, are leading manufacturers of batteries and safety matches. With many countries banning trade with China, they turned to me for their raw material needs," he explains. This shift led him t o s o u r c e a v a r i e t y o f chemicals in addition to manganese, expanding his product line significantly "Currently, I am exporting to more than sixteen countries with eleven products. Now, I have nine manufacturing units spread across Goa, Kolhapur, Ratnagiri, and Belagavi," he adds.
T o d a y , M r B a n k l e y collaborates with all the leading brands in Goa. "I have all the top builders in Goa as my clients, and the business is doing very well with the grace of God," he shares This success has allowed him to e n g a g e m o r e i n s o c i a l networking and become part of various associations and organizations. "I started my business at the age of 22, and today, at 52, after a thirtyyear journey that began with
my own funds, I have built a substantial empire with nine manufacturing units and a net worth exceeding thirty crore rupees. God has always been kind, and we now have over two hundred employees across our nine units. I want to give back to society in any way I can."
Mr. Bankley's son has also joined the family business while managing his own ventures in the hospitality sector. "My son runs a chain of franchise outlets in the food industry across Goa, with over a dozen locations, including our main outlet in South Goa. I believe he has already proven his capability in a very short span of time," Mr Bankley proudly states.
Speaking about his future plans, Mr. Bankley mentioned t h a t h e n o w w a n t s t o concentrate on his parent company, ARMines. "My focus is more on exports I am concentrating on expanding to other countries that have a demand for my products, and things are moving in the right direction," he concluded.
GOA'S PREMIER FOOD & HOSPITALITY MAGAZINE
EMPOWERING YOUTH THROUGH AGRICULTURE
Nathan D’Souza’s Inspiring Farming Journey
ByAakash Ghadge
In a time when many of today's youth shy away from farming, leading to the transformation o f v a s t f
r m
o concrete jungles, one young man decided to defy the trend and carve out his own path in agriculture. The Incredible Goa team had the pleasure of meeting Nathan, a trailblazer in modern farming, to uncover the inspiring details of his j o u r n e y H e r e a r e t h e highlights from our exclusive interview.
Nathan hails from the quaint village of Taleigao, nestled close to the capital city and the famous Miramar Beach
“My name is Nathan D’Souza, and I grew up in the beautiful village of Taleigao, Goa. I completed my schooling at The Rosary High School in Cujira and am currently pursuing my BBA degree from S.S. Dempo College, also in Cujira I'm now in my final year,” Nathan shares.
When asked about his foray i n t o f a r m i n g a n d w h a t motivated his decision, Nathan explained that his passion for agriculture began at the young age of 14. “My interest in farming was ignited when I discovered a barren field in
Taleigao that had remained uncultivated for over a decade,” Nathan recounts. Distressed by the neglect of such fertile land, he resolved to take matters into his own hands.
“I couldn’t bear to see the land go to waste, so I set out to rejuvenate it. My journey began with cleaning up the field and experimenting with farming techniques. To build
m y s k i l l s , I s t a r t e d b y
c u l t i v a t i n g f r u i t s a n d vegetables in our home garden and experimenting with different plant species. This hands-on experience was instrumental in fueling my passion for agriculture,” Nathan explains. He elaborates that his initial efforts were not just about restoring the land but also about understanding the i n t r i c a c i e s o f f a r m i n g “Starting small in our garden allowed me to learn the basics of plant growth and soil management. I experimented with various crops, learning about their needs and how to optimize conditions for their growth This foundational experience was crucial in preparing me for larger-scale
farming.”
Nathan’s commitment to agriculture has evolved from a p e r s o n a l i n t e r e s t t o a dedicated endeavor, driven by a desire to make a meaningful impact on the land and the community His story is a testament to the power of youthful enthusiasm and determination in revitalizing traditional practices and e m b r a c i n g s u s t a i n a b l e farming.
Learning Process
Nathan emphasizes the importance of hands-on, practical knowledge and learning from one's mistakes. “I believe in immersing myself in the work and learning through direct experience. Whenever I encountered questions or challenges, I reached out to experts in the field. Their guidance and mentorship have been crucial to my journey, and I’ve greatly benefited from their support.”
Challenges Faced
A m o n g t h e s i g n i f i c a n t challenges Nathan faces in Taleigao is waterlogging in the fields. “This issue needs to be tackled at its root to help many farmers return to cultivating their lands and revitalize
Taleigao Addressing such challenges requires innovative solutions and expertise. The local farmers' knowledge of traditional bandhs and water channels is vital, as many in the new generation may not be familiar with these methods.”
Key Moments and Events
O n e o f N a t h a n ’ s m o s t memorable initiatives was a plant distribution drive in Taleigao. “A few years ago, with community support, we distributed over 500 saplings. It was a tremendous success a n d s h o w c a s e d t h e community’s enthusiasm for g r e e n i n g o u r v i l l a g e ” Currently, Nathan is focused on reviving the fields in Taleigao. “My goal is to save and preserve these fields for future generations. We’re also w o r k i n g t o p r o m o t e agriculture throughout Goa, integrating modern farming t o o l s s u c h a s p a d d y transplanting machines, harvesting machines, and t r a c t o r s t o e n h a n c e efficiency.”
Future Plans
Nathan's future plans include continuing to revive the fields in Taleigao and expanding these efforts across Goa. “We
aim to incorporate modern agricultural tools to streamline f a r m i n g p r o c e s s e s a n d improve efficiency. I’m dedicated to promoting sustainable farming practices and ensuring that our fields r e m a i n p r o d u c t i v e f o r generations to come.”
Tips for Aspiring Farmers
For young people interested in f a r m i n g , N a t h a n o f f e r s encouraging advice. “Farming is a rewarding field that pays off the hard work and effort you invest. However, it requires patience and persistence, as the rewards come gradually. If anyone is considering a career in farming, I’m here to offer guidance and support. With dedication and the right advice, you can achieve great success in this field.”
US
Unwind in Paradise
A STAYCATION AT FAIRFIELD BY MARRIOTT GOA BENAULIM
By Gauri Ghadge
If you're dreaming of a serene escape where simplicity meets luxury, look no further than Fairfield by Marriott Goa Benaulim. Nestled in South Goa, just minutes away from the pristine sands of Benaulim Beach, this tropically inspired haven offers an idyllic retreat for those seeking relaxation, indulgence, and a touch of Goan magic. From the moment we arrived at Fairfield Goa Benaulim, we were captivated by the tranquil ambiance and natural beauty that enveloped the property. The lobby welcomed us with a refreshing sea breeze that gently flowed through, carrying the scent of tropical plants and the soothing sound of cascading water This seamless blend of natural elements immediately set the tone for a restful and rejuvenating staycation.
A Warm Welcome to Luxury Our stay began with a grand welcome that left a lasting impression. As we stepped into the lobby, we were promptly escorted to our cozy yet luxurious rooms. Each room boasted a breathtaking view of the sparkling pool and lush greenery, creating a perfect sanctuary for relaxation. To our delight, we were greeted by the cutest little guest a charming touch that added a personal and heartwarming feel to our arrival.
The rooms at Fairfield Goa Benaulim are a true testament to comfort and elegance. With natural lighting streaming through the windows, the space felt bright
and inviting The balconies offered a private spot to unwind while taking in the serene s u r r o u n d i n g s T h e p l u s h furnishings and modern amenities ensured that every moment spent in our room was one of pure bliss. Our grand welcome didn’t stop at the room. We were treated to delectable sweet treats that were simply divine. These delightful surprises set the tone for the exceptional hospitality that we would continue to experience throughout our stay.
A Paradise of Tranquility
Fairfield Goa Benaulim is a haven of tranquility, surrounded by lush greenery that enhances the peaceful atmosphere The architecture of the property seamlessly blends with its natural surroundings, creating a relaxing vacation vibe that feels both luxurious and grounded.
The highlight of the property is undoubtedly the splendid pool. With its generous size and inviting waters, the pool quickly became our favorite spot to unwind and soak up the sun. The terrace and lounge areas around the pool provided ample space to relax with a good book or enjoy a refreshing drink.
For those looking to stay active, the hotel’s gymnasium offers state-of-the-art equipment to keep up with your fitness routine. Whether you prefer a cardio workout or strength training, the gym caters to all fitness needs. And after a good workout, what better way to relax than a visit to the spa? The spa at Fairfield Goa
Benaulim is a sanctuary of rejuvenation, offering a range of treatments that will leave you f e e l i n g p a m p e r e d a n d revitalized.
Blend Business with Pleasure
Fairfield Goa Benaulim is not just a perfect getaway for leisure travelers; it also caters to business needs with its versatile ballroom space. With the capacity to host up to 300 attendees, the ballroom i s i d e a l f o r m e e t i n g s , conferences, and special events. The seamless integration of business and pleasure ensures that you can make the most of your stay, whether you’re here for work or relaxation.
A Culinary Delight
No staycation is complete without indulging in exquisite cuisine, and Fairfield Goa Benaulim does not disappoint. The hotel’s restaurant, Kava, is a culinary haven that offers a mouth-watering variety of dishes from various cuisines. Each meal was a delightful experience, with flavors that were simply mind-blowing and utterly lip-smacking.
The extensive menu at Kava caters to all tastes and preferences, ensuring that every guest finds something to savor. From traditional Goan delicacies to international favorites, each dish is prepared with the freshest ingredients and utmost care. The dining experience at Kava was a highlight of our stay, leaving us eagerly anticipating each meal.
A Perfect Staycation
Our stay at Fairfield by Marriott Goa Benaulim was nothing short of perfect From the warm and welcoming staff to the luxurious accommodations and stunning surroundings, every aspect of our stay was thoughtfully designed to provide the ultimate in comfort and relaxation.
The property’s serene atmosphere, coupled with its impeccable hospitality, made our staycation a truly m e m o r a b l e experience Whether we were lounging by
the pool, indulging in delicious cuisine, or exploring the natural beauty of South Goa, every moment was filled with joy and tranquility.
Exploring South Goa
While the hotel itself offers plenty of activities and amenities to keep guests entertained, South Goa has its own charm and attractions that are worth exploring. Benaulim Beach, just minutes from the hotel, is a pristine stretch of sand where you can unwind and soak up the sun. The gentle waves and clear waters make it an ideal spot for swimming or simply taking a leisurely stroll along the shore. For those interested in exploring the local culture, South Goa is home to several historic sites and quaint villages that offer a glimpse into the region’s rich heritage. The vibrant markets and friendly locals add to the charm of this beautiful area.
A Lasting Impression
As our stay at Fairfield by Marriott Goa Benaulim came to an end, we couldn’t help but feel a sense of contentment and gratitude. The warm hospitality, luxurious accommodations, and serene surroundings had provided the perfect escape from the hustle and bustle of everyday life. We left feeling rejuvenated and with memories that we would cherish for a long time.
Book Your Stay Now
If you ’ re looking for a tranquil retreat that combines luxury, comfort, and the beauty of nature, Fairfield by Marriott Goa
B e n a u l i m i s t h e p e r f e c t destination Whether you ’ re planning a relaxing vacation, a business trip, or a combination of both, this tropical paradise offers everything you need for an unforgettable stay.
So, what are you waiting for?
B o o k y o u r s t a y n o w a n d experience the magic of Fairfield Goa Benaulim. Discover the beauty of simplicity and the warmth of Goan hospitality in this serene haven where every moment is designed to be cherished.
CELEBRATE INDEPENDENCE DAY AND RAKSHA BANDHAN WEEKEND AT JW MARRIOTT
GOA
This August, JW Marriott Goa invites you to celebrate the
e s s e n c e o f f r e e d o m a n d togetherness with our exclusive long weekend offerings from August 15th to August 19th, 2024. Experience a luxurious retreat t h a t h o n o r s t h e s p i r i t o f Independence Day and the cherished bond of Raksha Bandhan.
O u r t h o u g h t f u l l y c u r a t e d packages provide an exquisite blend of relaxation and festive celebration Whether you ’ re lounging by our beautiful infinity pool or indulging in our world-
class amenities, every moment is designed to reflect the joy of independence and the warmth of togetherness.
Book our “Resort Escapes” offering guests an immersive experience at this spectacular setting. The resort campaign will be catering to families and couples who are increasingly seeking properties that offer a multitude of amenities within their premises With the changing seasons, these demographics are naturally inclined towards resort destinations Whether it's the s u m m e r b r e a k o r s c h o o l
GOA’S PREMIER
vacations, resorts p r o v i d e a n i d e a l escape for families, while couples seek out destinations yearround.
The package entails: Daily hotel credit up to INR 2,000 per stay at s e l e c t M a r r i o t t properties.
D a i l y b u f f e t breakfast
A bucket of beer or a bottle of wine 20% d i s c o u n t o n s p a treatments
Curated experiences at the hotel/ resort 50% savings for kids under 12 years of age
Earn 1000 bonus points per stay for Marriott Bonvoy® HDFC Bank credit card holders
Date- 15th August 2024 – 19th August 2024
The offer is live and bookable on: https://www.marriott.com/offer s/resort-escapes-with-marriottbonvoy-off-114369
F o r R e s e r v a t i o n s : jw.goivm.reservation@jwmarri ott.com
Marriott Bonvoy’s extraordinary portfolio offers renowned hospitality in the most memorable destinations in the world, with 31 brands that are tailored to every
type of journey. From The RitzCarlton and St. Regis to W Hotels and more, Marriott Bonvoy has more luxury offerings than any other travel program. Members can earn points for stays at hotels and resorts, including all-inclusive resorts and premium home rentals, and through everyday purchases with co-branded credit cards Members can r e d e e m t h e i r p o i n t s f o r experiences including future stays, Marriott Bonvoy Moments™, or through partners for luxurious products from Marriott Bonvoy Boutiques®. To enroll for free or for more information about M a r r i o t t B o n v o y , v i s i t
marriottbonvoy.com
SOLAR ENERGY
ADOPTION IN RURAL GOA
By IG TEAM
In the heart of rural Goa, away from the bustling urban centers and picturesque b e a c h e s , a p o t e n t i a l transformation is on the horizon. The adoption of solar energy in these villages promises to revolutionize daily life and foster sustainability. With the right initiatives, these communities could soon transition from unreliable electricity to a steady, clean energy source, significantly enhancing their quality of life a n d e n v i r o n m e n t a l stewardship.
The drive for solar energy in rural Goa can be propelled by a combination of compelling f a c t o r s T h e r e g i o n ' s commitment to reducing carbon emissions aligns with global climate goals, while the challenges of inconsistent power supply in remote areas make renewable energy a practical alternative. As the cost of solar technology continues to decrease, it becomes increasingly feasible for rural households and communities to invest in and benefit from solar power.
SUSTAINABLE GOA
Envisioning solar panels on rooftops and community buildings throughout rural villages could bring about substantial improvements A steady supply of electricity could reduce reliance on kerosene lamps and noisy generators, enhancing the o v e r a l l q u a l i t y o f l i f e Extended productive hours could allow children to study after dark and adults to engage in economic activities that were previously hindered by power shortages.
The economic impact of solar e n e r g y c o u l d b e transformative as well. Solar power has the potential to energize small businesses and agricultural operations, driving local economic growth. For example, solarpowered water pumps could
r e v o l u t i o n i z e i r r i g a t i o n p r a c t i c e s , b o o s t i n g agricultural productivity and enabling farmers to thrive. Additionally, the emergence of solar enterprises could provide jobs and stimulate local entrepreneurship, further strengthening the community. In the areas of health and
education, the benefits of
s o l a r e n e r g y c o u l d b e profound. Health clinics and schools could experience improved functionality with reliable electricity. Medical equipment would operate smoothly, and students would have access to modern e d u c a t i o n a l t o o l s a n d
e n v i
T
e advancements would have a direct positive impact on h e a l t h o
t c o m e s a n d educational attainment, contributing to a higher standard of living.
Several potential success stories illustrate how solar energy could transform rural Goa. In a villages, communityfunded solar projects could provide electricity to every household. Solar street lights could enhance safety and mobility at night, while solarpowered desalination units could provide clean drinking water, addressing critical needs in the community Similarly, solar energy could empower women through the e s t a b l i s h m e n t o f s o l a r
c o o p e r a t i v e s . T h e s e cooperatives could manage a n d m a i n t a i n s o l a r installations, generating income for their members and ensuring project sustainability. Such initiatives would not only p r o v i d e f i n a n c i a l independence to women but a l s o f o s t e r a s e n s e o f community ownership and responsibility.
However, the adoption of solar energy will face challenges. Initial setup costs, though decreasing, might still be a barrier for some households. Ongoing maintenance and technical support will be essential to ensure the longevity of the systems Government schemes and subsidies could play a crucial role in overcoming these challenges The Goa State Solar Policy might offer financial incentives and support for solar installations, making it easier for rural communities to invest in solar technology. Partnerships with NGOs and private companies could further facilitate the spread of solar energy through training programs, awareness campaigns, and technical assistance.
Looking ahead, the future of solar energy adoption in rural Goa seems promising With continued support from various stakeholders, the p e n e t r a t i o n o f s o l a r technology could increase. Integrating solar energy with other sustainable practices, such as rainwater harvesting and organic farming, could create resilient and selfsufficient rural communities. I n n o v a t i o n s i n s o l a r technology, such as advanced batteries and hybrid systems, might further enhance energy security and reliability Expanding solar projects to include microgrids could p r o v i d e c o m p r e h e n s i v e energy solutions to entire v i l l a g e s , r e d u c i n g dependency on the central power grid and promoting energy independence. So, the potential adoption of solar energy in rural Goa represents a significant opportunity for sustainability a n d c o m m u n i t y empowerment. By harnessing the power of the sun, these villages could improve their quality of life and contribute to global environmental efforts As communities embrace solar energy, rural Goa could lead the way toward a more sustainable and equitable future.
GOAN CINEMA
A Rich Tapestry of Culture and Creativity
By IG TEAM
Goa, the smallest state in India, is renowned for its pristine beaches, vibrant nightlife, and rich cultural heritage. Beyond its scenic beauty and tourism appeal, Goa harbors a burgeoning film industry that reflects its unique cultural blend of Indian and Portuguese influences. The local film industry in Goa, though not as extensive as Bollywood, has been steadily g a i n i n g p r o m i n e n c e , producing a variety of films that capture the essence of Goan life and culture.
The origins of Goan cinema can be traced back to the 1950s when the first Konkani film, "Mogacho Aunddo" (Love's Craving), was released in 1950 Directed by Jerry Braganza, this film marked the beginning of a new era in Goan entertainment. The early years saw a limited number of productions, but each film played a crucial role in preserving and promoting the Konkani language and Goan traditions.
One of the defining features of the Goan film industry is its linguistic diversity. Films are produced in Konkani, Marathi, Hindi, and English, reflecting the multicultural fabric of the state. Konkani cinema, in p a r t i c u l a r , h a s s e e n a
resurgence in recent years with filmmakers focusing on stories that highlight Goan c u l t u r e , f o l k l o r e , a n d contemporary social issues. In recent decades, several Goan films have garnered critical acclaim and won national awards Films like "Nachom-ia Kumpasar" (Let's D a n c e t o t h e R h y t h m ) , directed by Bardroy Barretto, have not only captured the hearts of Goan audiences but also received international recognition This musical drama, based on the lives of Goan musicians in the 1960s, is a testament to the rich musical h e r i t a g e o f t h e s t a t e .
Filmmakers like Laxmikant Shetgaonkar and Rajendra Talak have been instrumental in elevating the status of Goan c i n e m a . S h e t g a o n k a r ’ s "Paltadacho Munis" (The Man Beyond the Bridge) won the FIPRESCI Award at the Toronto International Film Festival in 2009, highlighting the global appeal of Goan stories Rajendra Talak, a prominent figure in the industry, has produced and directed several critically acclaimed films, including "Aleesha" and "Antarnaad."
The International Film Festival of India (IFFI), held annually in Goa since 2004, has played a
GOA’S PREMIER
significant role in promoting the local film industry IFFI provides a platform for Goan filmmakers to showcase their work alongside international cinema, fostering crosscultural exchanges and collaborations The festival has also encouraged local talent to explore diverse g e n r e s a n d i n n o v a t i v e storytelling techniques. Despite its achievements, the Goan film industry faces several challenges Limited financial resources, lack of i n f r a s t r u c t u r e , a n d competition from larger film industries like Bollywood can hinder the growth of local c
, t h e increasing popularity of digital p
m s o f f e r s n e w opportunities for Goan filmmakers to reach a wider audience.
The government of Goa has been proactive in supporting the film industry Initiatives such as the Goa Film Finance Scheme provide financial assistance to filmmakers, encouraging the production o f q u a l i t y f i l m s . T h e establishment of the Goa State Film Festival and the G
exemplifies the state's commitment to nurturing local talent and promoting Goan cinema.
The future of the Goan film industry looks promising with a new generation of filmmakers bringing fresh perspectives and innovative ideas. As the industry continues to evolve, there is a growing emphasis on producing content that resonates with both local and global audiences. The fusion of traditional Goan elements with contemporary storytelling techniques is expected to drive the industry forward.
The local film industry of Goa, though modest in size, is a vibrant and dynamic sector that reflects the state's rich cultural heritage and diversity. With continued support from the government and the c r e a t i v e z e a l o f l o c a l filmmakers, Goan cinema is poised to make a significant impact on the national and international stage. As Goa continues to captivate the world with its scenic beauty, its film industry is set to enchant audiences with compelling stories and artistic excellence.
Chikhal Kalo
GOA'S MUDDY CELEBRATION OF JOY AND TRADITION
By IG TEAM
Chikhal Kalo is one of Goa's most unique and vibrant festivals, celebrated primarily in the village of Marcel. Known for its pristine beaches and vibrant nightlife, Goa also holds deep-rooted traditions that reflect the rich cultural heritage of its people. Chikhal Kalo, which translates to “mud play,” is a prime example of this. Held during the monsoon season, usually in July, this festival stands out for its joyful and playful nature, steeped in ancient agrarian traditions. The origins of Chikhal Kalo lie in the community's agricultural practices. Villagers would gather to mark the beginning of the sowing season with c o m m u n a l r i t u a l s a n d celebrations. Central to the festival is the Devki Krishna temple in Marcel, where the festivities commence with prayers and offerings to Lord Krishna This celebration is inspired by the mythological tales of Krishna's playful childhood, where he and his friends would engage in games and pranks in the mud. By performing these playful activities, the villagers invoke d i v i n e b l e s s i n g s f o r a prosperous harvest and the well-being of their community. The festivities of Chikhal Kalo begin early in the morning as
villagers gather at the Devki Krishna temple. The temple priest conducts rituals and prayers, setting the spiritual tone for the day. The main event, however, unfolds outside the temple, where a large mud pit is prepared.
Participants, dressed in t r a d i t i o n a l a t t i r e , enthusiastically dive into the mud pit, engaging in a series
GOA’S
of playful games. These include mud wrestling, tug-ofwar, and mock battles, all conducted amidst the thick, slippery mud The sight of villagers covered in mud, joyously participating in these games, is both entertaining and culturally enriching.
Chikhal Kalo is characterized by its non discriminatory spirit.
People from all walks of life
come together, leaving behind their social differences to engage in communal fun
Traditional Goan folk songs and dances provide a lively musical backdrop, enhancing t h e o v e r a l l f e s t i v e atmosphere. The air is filled with laughter, cheers, and the rhythmic beats of drums and other traditional instruments. This festival transcends social boundaries, emphasizing unity and collective joy.
In recent years, Chikhal Kalo has drawn attention beyond t h e l o c a l c o m m u n i t y , attracting tourists and cultural enthusiasts. Efforts are being m a d e t o p r e s e r v e t h e authenticity of the festival while accommodating the growing interest Local governing bodies and cultural o r g a n i z a t i o n s a c t i v e l y promote the festival, ensuring that it retains its traditional essence. Chikhal Kalo is more than just a festival; it is a cultural phenomenon that highlights the importance of c o m m u n i t y s p i r i t a n d traditional practices. In an era w h e r e m o d e r n i t y o f t e n o v e r s h a d o w s t r a d i t i o n , Chikhal Kalo serves as a vibrant reminder of Goa's rich
cultural tapestry.
Chikhal Kalo summarizes the vibrant cultural heritage of Goa, celebrating mud, music, and community spirit. The festival not only provides a glimpse into the agrarian roots of Goan society but also reinforces the values of unity and joy. As Goa continues to evolve, festivals like Chikhal Kalo play a crucial role in preserving its cultural identity and passing on its legacy to future generations. For those seeking an authentic Goan experience, Chikhal Kalo offers an unparalleled journey into the heart of this coastal paradise's traditional life.
THE VANISHING GOAN FISHING VILLAGES
By IG TEAM
In the quiet, picturesque coastal regions of Goa, traditional fishing villages that once thrived on the abundant marine life and serene waters are now confronting an uncertain future These villages, which have sustained generations of Goans through fishing, are gradually fading away, overshadowed by the r e l e n t l e s s m a r c h o f urbanization, tourism, and environmental degradation The rich tapestry of life in these communities, woven with t r a d i t i o n s a n d a d e e p connection to the sea, is at risk of being lost forever.
The fishing villages of Goa are a testament to a way of life t h a t h a s p e r s i s t e d f o r centuries. Nestled along the coast, these villages have long been home to families who derive their livelihood from the sea. The daily rhythm of life in these villages is guided by the tides and the seasons, with fishing forming the heart of their economic and cultural activities. Traditional fishing methods, such as using handmade nets and wooden boats, have been passed down through generations, preserving a unique cultural heritage.
H o w e v e r , t h e t r a n q u i l existence of these villages is
u n d e r t h r e a t . R a p i d
u r b a n i z a t i o n a n d t h e
e x p a n s i o n o f t o u r i s m infrastructure have begun to encroach upon the lands and waters that these communities depend on. Luxury resorts, real estate developments, and commercial enterprises are replacing the simple homes and communal spaces of these villages As a result, many fishing families are being displaced, forced to abandon their ancestral homes and livelihoods. The rise in tourism, while beneficial to Goa's economy, has also brought challenges to these villages. Tourists flock to the beaches, often unaware of the delicate balance that sustains the local fishing communities. The demand for beachfront properties and recreational facilities has led to the depletion of coastal areas, disrupting fishing
activities and damaging
m a r i n e e c o s y s t e m s .
Traditional fishing grounds are
i n c r e a s i n g l y b e i n g encroached upon, leaving
f i s h e r m e n w i t h f e w e r resources and options.
Adding to the woes of these
c o m m u n i t i e s a r e t h e environmental challenges that have become increasingly p r o n o u n c e d P o l l u t i o n , overfishing, and climate change have significantly
i m p a c t e d m a r i n e l i f e , reducing fish populations and altering the ecosystems that these villages rely on. The once plentiful catch is dwindling, pushing fishermen to venture further into the sea, risking their lives for a meager return. The effects of climate change, such as rising sea levels and u n p r e d i c t a b l e w e a t h e r patterns, are particularly devastating. Coastal erosion is swallowing up land, and
being organized to reconnect younger generations with their heritage and instill a sense of pride in their roots. These efforts, though small in scale, represent a crucial step towards ensuring that the legacy of Goa's fishing villages endures.
The plight of Goa's vanishing fishing villages is a stark reminder of the need for balanced development and sustainable practices. As Goa continues to evolve and modernize, it is imperative to preserve the cultural and ecological treasures that define its identity. The stories of these fishing communities, their struggles, and their resilience must be brought to the forefront, encouraging both locals and visitors to support efforts aimed at safeguarding their future.
storm surges threaten the very existence of these villages. The traditional knowledge and practices that once allowed these communities to thrive are now struggling to adapt to these rapid changes.
Despite these challenges, there are glimmers of hope. Some local and international organizations are working to preserve the cultural and environmental heritage of t h e s e f i s h i n g v i l l a g e s .
I n i t i a t i v e s a i m e d a t sustainable fishing practices, marine conservation, and community-led tourism are being implemented to provide alternative livelihoods and p r o t e c t t h e c o a s t a l environment. Community-led efforts to document and c e l e b r a t e t r a d i t i o n a l knowledge are also gaining m o m e n t u m W o r k s h o p s , c u l t u r a l f e s t i v a l s , a n d educational programs are
In the end, the survival of Goa's fishing villages depends on collective action and a commitment to preserving the delicate balance between progress and tradition. By recognizing and valuing the unique contributions of these communities, we can ensure that their way of life does not disappear into the annals of history but continues to thrive, enriching Goa's cultural landscape for generations to come.
GTA FOUNDER PRESIDENT MANGIRISH SALELKAR ATTENDS NATIONAL IT POLICY 2024 MEETING
Mangirish Salelkar, founder president of the Goa Technology Association (GTA), was invited by the Software Technology Parks of India (STPI) to attend the prestigious consultation meeting to draft the National Information Technology Policy 2024 This significant event was attended by representatives of top MNCs and
national IT trade bodies, chaired by Secretary MeitY, Shri S Krishnan, and took place on 15th July 2024 in Pune.
During this high-profile meeting, Mangirish Salelkar represented GTA and highlighted the current challenges faced by the Goan IT industry, including:
- Awareness and Ecosystem
Development: Emphasizing the n e e d f o r i n c r e a s e d awareness and a robust ecosystem t o s u p p o r t I T growth in Goa.
- Availability of Skilled Manpower: Addressing the critical shortage
o f s k i l l e d professionals in the region and the need for better
programs.
- A c c e s s t o
Market/Government Projects: Advocating for improved access
t o b o t h d o m e s t i c a n d international markets and increased opportunities for local IT companies in government projects.
- Infrastructure Development: Highlighting the necessity for enhanced infrastructure to
support the growing IT sector in Goa.
Mangirish Salelkar's participation underscores the importance of Goa in the national IT landscape and highlights GTA's commitment t o d r i v i n g t e c h n o l o g i c a l innovation and growth in the s t a t e H i s i n s i g h t s a n d contributions at the meeting reflect the strategic vision of GTA in promoting a thriving IT ecosystem in Goa.
This is a proud moment for Goa, showcasing its presence at this national forum and reinforcing the state's role in shaping the future of India's IT industry.
IHCL GOA COLLABORATES WITH THE GOVERNMENT OF GOA ON WORLD YOUTH SKILLS DAY
In a significant move towards enhancing skill development, IHCL Goa, represented by Senior Vice President Mr. Ranjit Phillipose, has signed a memorandum of understanding with eleven of Goa’s Industrial Training Institutes (ITIs) This partnership aims to provide students and youth with training opportunities at various
IHCL properties across the state. Mr Phillipose, speaking at the occasion, highlighted the critical need to align skills with industry demands "Recognising the challenges faced by both young entrants into the workforce and industries across sectors, our goal is to match skills to demand. As Goa’s leading tourism player,
IHCL is proud to shoulder this commitment. Our belief in sustainable growth is deeply rooted in our legacy, aligned with diversity, excellence, and positive outcomes. This initiative to train 100,000 skilled youth by 2030 further strengthens our objective of 'Paathya' to promote economic growth while maintaining social and environmental impact," he said.
The event was presided over by the Hon. Chief Minister of Goa, D r . P r a m o d S a w a n t , a n d attended by several dignitaries, including Mr Gopal Parsekar, Director of Rural Development Agency; Mr Vijay Saxena, Director of Planning, Statistics, and Evaluation; Mr. Gaurish Dhond, Chairperson of ITI, Panaji; Mr. Prashant Handigund, South India Head of Tata Technologies; and Mr. Prasad Loliyenkar, IAS, D i r e c t o r o f E d u c a t i o n ,
Government of Goa.
In response to the Chief Minister’s clarion call for ‘Kaushalya Goem, Khushal Goem’ (Skilled Goa, Happy Goa), IHCL Goa will offer six months of on-the-job training to students enrolled in hospitality courses. The training will cover four key departments: Food Production, Housekeeping, Food & Beverage Service, and Front Office.
Dr. Pramod Sawant emphasized t h e i m p o r t a n c e o f s k i l l development in making optimum use of human resources and achieving self-reliance (Atma Nirbhar) for Goa. Mr. Ranjit Phillipose invited students to visit IHCL hotels, encouraging them to pursue hospitality-driven courses at Goa's ITIs This initiative underscores IHCL Goa’s steadfast commitment to skilling and uplifting the youth of the region.
SCANTOREAD
READGOA'SPREMIER FOOD&HOSPITALITYMAGAZINE
SEMINAR ON SUCCESSION AND ESTATE PLANNING ORGANIZED BY GCCI
The Taxation & Financial Services Committee of the Goa Chamber of Commerce and Industry (GCCI) organized a highly i n f o r m a t i v e s e m i n a r o n Succession and Estate Planning on 12th July 2024. The event took place at the Surendrababu Timblo Convention Hall from 4:00 p m to 7:00 p m and was attended by approximately 125 participants, including Managing Committee members of GCCI, members of the Taxation & Financial Services Committee, senior CAs, advocates, law
students, professors from law colleges, and other professionals.
The seminar began with an inaugural function, where Mrs Pratima Dhond, Vice President of GCCI, served as the Chief Guest. In her welcome address, Mrs Dhond provided a background on GCCI and highlighted the numerous advantages of joining t h e o r g a n i z a t i o n . S h e commended the Taxation & Financial Services Committee for organizing such valuable events and encouraged non-members present to consider joining GCCI
and become proud members. Mr. Rohan Bhandare delivered the opening remarks and introduced the esteemed guest speakers, Ms. Neha Pathak, Head of Trust & Estate Planning at Motilal Oswal Wealth Limited, and Mr. Ashish Bhakta, Founding Partner of ANB Legal. The speakers covered a range of crucial topics, including:
1. Overview of Portuguese Civil Code and Recent Amendments in Succession Law in Goa
2. Succession & Estate Planning
3. Key Considerations for Drafting Wills
4 Setting up Private Trust Structures
5. Dispute Resolutions
6. Tax Perspectives in Succession Planning
Following the presentations, both speakers engaged with the audience, answering various questions and providing further insights into the complexities of succession and estate planning. The seminar underscored the importance of succession and estate planning, particularly in ensuring the smooth transfer of assets and wealth to future generations It highlighted the
need for individuals to be proactive in planning their estates, drafting clear and c o m p r e h e n s i v e w i l l s , a n d considering the establishment of private trust structures to safeguard their assets The discussions also emphasized the tax implications of succession planning and the importance of u n d e r s t a n d i n g t h e l e g a l landscape, including recent amendments to the Portuguese Civil Code and succession laws in Goa.
The event concluded with a vote of thanks delivered by CA Atindra Bhatikar, expressing gratitude to the speakers, participants, and organizers Mr Kiran Ballikar, Director, coordinated the event, ensuring its smooth execution. The GCCI remains committed to providing its members and the broader community with valuable opportunities for learning and professional development. Events like this seminar are a testament t o G C C I ' s d e d i c a t i o n t o supporting good projects in Goa and fostering a well-informed a n d p r e p a r e d b u s i n e s s community.
FITNESS
By Norbert D’Souza
be careful if you are experiencing back pain, neck aches, knee joint pain and other symptoms. en you need to consult with a specialist. For sure there is some fault in the way you are doing your routine. May be you are working too hard or trying to get quick results
R e g u l a r e x e r c i s e strengthens your heart and lungs and it can s t r e n g t h e n b o n e s , s l o w i n g d o w n t h e process of osteoporosis. It can help you move easily by keeping your j o i n t s , t e n d o n s a n d ligaments more flexible. Can help you lose weight when combined with good eating habits or maintain ideal weight by burning excess calories and promote sense of well being.
KEEP YOURSELF FIT TO AVOID INJURIES
Muscle Soreness
Some trainers believe in the common saying 'No pain, no gain'. Whenever you start a new fitness routine you may feel a little discomfort. At most it will last for the first few days. This pain is a natural warning sign. There's nothing to worry about but you should pay attention to it.
You can start with a good exercise routine. Don't be excessive but you can push yourself a bit. After a few days muscles will get used to your new routine. Lactic acid, micro-tears and other physiological changes occur in the muscles and they become stronger than before.
Be Careful
But be careful if you are experiencing back pain, neck aches, knee joint pain and other symptoms. Then you need to consult with a specialist For sure there is some fault in the way you are doing your routine. May be you are working too hard or trying to get quick results, or you have some medical problem and that exercise is not the right one for you.
It will take some time to adjust to any new strong exercise. So it's better to start slowly. How to set your pace when it comes to exercise depends on so many factors. It varies from person to person, depending on age, experience, your earlier exercise routines and total fitness. Your muscles should get warmed up and relaxed before cranking them up. Many of your problems are caused from your muscles being too cold and not stretching. Sometimes it happens
from overextending your capacity. So take it slow!
Warm up and stretching
It's necessary to take 15 minutes for warm-up exercises which might include very mild jogging in place or jumping jacks. It helps the cardio and lung systems to work well. To get joints lubricated and muscles relaxed and gently lengthened you can do some slow and gradual stretching during this time. Be sure that you are taking sufficient time to warm up. If the warm up is too short it can easily lead to stretched or torn cartilage. It will take a long time to heal this type of damage.
Please do not try to get out and run 10 kms only two weeks after an injury, surgery or other debilitating condition The result may be dangerous and cause long-term damage. Sometimes physical therapy is needed which works to relieve discomfort. But do therapy only if it is recommended by a doctor Expert Guidance
Trying to keep fit through exercise is always an excellent idea But overdoing it is just the opposite of your goal Your aim is to improve your health and strength and not to prove that you are Arnold Schwarzenegger! Whenever you are going to begin some new activities which you are not familiar with, you need an expert's guidance An incorrect way of warming up or exercising may cause injury too. First you should know the proper way to use the weight machines. There is nothing to get
embarrassed about if you don't know the correct procedure. It's not possible for someone to know everything about exercising. Just ignore the people who laugh at you because you are unsure of how to proceed.
Outdoor Running
The environment is very important while you go through your routine. Be careful that you don't end up crashing into a wall or the person exercising next to you when you are in a rhythm or totally concentrated on your workout. When you are jogging on the road you need to pay attention to the imperfections of the surface and the people and cars around you No athletic shoe, no matter how specialized, will keep you from slipping on a muddy patch Only alertness and good reflexes can save you in this situation.
Once you achieve your comfort zone, you can increase both the time and the strenuousness of your workout. Most people fail to continue their fitness routine because of injuries incurred by working beyond their capacity. Remember the tortoise and the hare: 'Slow but steady wins the race'.
FINANCE
By CAGaurav Kenkre
Credit cards can be a helpful financial tool, but responsible and disciplined use is necessary. Young individuals can establish credit, receive incentives, and stay out of the traps of credit card debt by being aware of the opportunities and risks and adhering to recommended practices.
CA Gaurav Kenkre is a CA in practice for the last 11 years. He is a regular s p e a k e r a t v a r i o u s p r o f e s s i o n a l organizations, trade b o d i e s , M N C s a n d Government bodies. He also writes regularly in local as well as national publications. Besides this he holds various positions in bodies such as ICAI, GCCI, College bodies, Rotary etc.
THE BENEFITS AND DRAWBACKS OF CREDIT CARDS FOR YOUTH
For young individuals, credit cards can be a helpful financial tool, but there are risks involved with using them carelessly It's critical to comprehend the advantages and possible drawbacks of credit cards as an increasing number of young folks obtain their first one. Here are some of the main advantages and disadvantages of credit cards for young people.
Benefits:
1. Credit history building: Starting to establish credit as a young adult is one of the main benefits of obtaining a c r e d i t c a r d G e t t i n g authorised for loans, renting an apartment, and even landing a job all depend on your credit report and credit score.A good credit history can be built by using credit cards sensibly, which includes keeping your credit utilisation low and making on-time payments.
2 . C o n v e n i e n c e a n d security: Using a credit card
t o m a k e p u r c h a s e s i s convenient, particularly when shopping online or booking a trip. In the event that your card is lost or stolen, they also provide greater security than debit cards. Zero liability provisions on a lot of credit c a r d s s h i e l d y o u f r o m unauthorised charges.
3. Perks and rewards: A few credit cards come with reward programmes that let you get points, miles, or cash back on your purchases. Others include benefits like access to airport lounges, rental car insurance, and e x t e n d e d w a r r a n t i e s Although benefits shouldn't be the primary factor in choosing a credit card, they can offer additional value if used wisely.
Credit Cards'
Dangers and Perils for Young People
1 . D e b t a n d e x c e s s i v e spending: There is a counteri n t u i t i v e p h r a s e w h i c h clarifeies who should get a credit card: Only those who don't NEED a credit card, should get one. Having credit c a r d s c a n l e a d t o overspending and debt accumulation, which is one of the main risks associated with them, particularly for younger users. When you're not using actual cash, it's simple to lose track of your expenditures. Saving money and reaching financial objectives may be more difficult when there is a balance and interest to pay.
2.Exorbitant interest rates: Compared to other loan kinds, credit cards may have far higher interest rates. APRs on credit cards range from 16% to 20%, with certain cards having higher rates than others. Interest payments can add up quickly, particularly if you are merely making the bare minimum. Credit card debt can indeed be one of the worst forms of debt.
3.Fees: A lot of credit cards have yearly, over-the-limit, and late payment fees, among other costs. These costs can mount up rapidly and reduce the value of whatever benefits you may receive.
4. Identity theft: Credit cards are susceptible to fraud and identity theft even though they provide greater security than debit cards. Your card number may be used by thieves to start new accounts in your name or m a k e u n a u t h o r i s e d purchases It's critical to routinely check your credit report and statements.
Advice for Conscientious Credit Card Use
Here are some guidelines for responsible credit card use if you decide to obtain one as a young adult:
Each month, spend only that you can afford to pay off.So you should always have enough liquid money to pay off your credit card debts.
E s t a b l i s h a u t o m a t i c payments to save late fees and improve your credit.
Make sure that you are not using more than 30% of your credit limit.
unapproved charges.
Steer clear of financial advances because they usually come with hefty costs and interest.
Recognise your card's terms and conditions, including the fees, interest rate, and rewards programme. For young individuals, credit cards can be a helpful financial tool, but responsible a n d d i s c i p l i n e d u s e i s necessary. Young individuals can establish credit, receive incentives, and stay out of the traps of credit card debt by
opportunities and risks and adhering to recommended practices.
