Infertility Dost: Story of India’s first infertility based startup

हिंदी में पढ़ने के लिए, यहाँ जाएँ

Problem prevailing in society

Infertility is inability to reproduce by natural means. There can be number of causes of infertility – many of them can be treated. It is no different from any other disease like malaria or diabetes, for which people seek a GP or Doctor’s advise. In India, 1 in every 4 couple in the country is now facing a problem in conceiving a baby. Most of these couples just accept that they could not have a child, and never bother to see a doctor. In a country that is chained in religious and social prejudices, infertility is far more dangerous than just a disease and allow society to tag women by withering tag of infertile.

Fertility is not a woman problem. Woman cannot make a baby alone. Almost 30% of the fertility impediments are caused by male factor, equals to that of female factor, while 40% cases are either caused by both factors or something that cannot be identified.

About the company, founded by Gitanjali Banerjee, is Indian social startup to address rising issues of infertility in India. As name suggests, it extend friendship to couples undergoing infertility treatments or planning pregnancy with expert advise and support. Assist them in making right choices and tell them that they are not alone in this journey. It pledges to spread awareness and provide solution through various packages. It aims to create an environment where women are not tagged as infertile, and couples don’t hesitate to ask for help.

Inspiration behind the idea

Based on her personal pain experience, Gitanjali founded InfertilityDost in August 2016. Through her startup, she lends a helping hand to numerous other Indian women cherishing motherhood dream, but struggling with similar problems. 

Gitanjali says, “I got into arranged marriage at an early age of 23, simply because you must get married when you reach a certain age and when your parents say. After one year of customary honeymoon, it was time to hit the next milestone – motherhood. And, with this began the 10 long and grueling years of fighting infertility. Post 5 miscarriages, 3 molar pregnancies, 1 failed IVF, a brush with ovarian cancer and finally successful pregnancy on second IVF attempt- I stand here in front of you to openly talk about my Infertility journey.”

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Solution provided

It provides an online platform where people can come and find solution to all their infertility and IVF problems. Below are some of the services offered by them:

  1. Find a Doctor: Using this option one can easily find and rate IVF and infertility specialist available in their cities and towns. It also list down the featured IVF clinics giving international standard of services. Choosing the right doctor and service can be pivotal to the favorable outcome of the treatment.
  2.  Expert Talk: Answers to the most sought queries about infertility can be found here. Topics such as “what diet one should follow to back-pedal infertility”, pregnancy yoga, Ayurveda treatment, Acupuncture  or Naturopathy as  methods of treating infertility could be really useful.
  3. Discussion forum:  Online discussion forum where people can hold conversations in the form of posted messages around topics related to infertility. One can easily reach out to such forums to seek answers of their queries.
  4. Events: From time to time, they conduct talks and workshops on infertility across different cities in India. Various points on infertility and IVF problems are discussed openly is such events. Recent events organised are:
    1. Talk On Infertility, Rishikesh – Oct 2016
    2. Sensitising Society Through Open Talk On Infertility, Delhi – Jan 2017

Challenges Faced

Major challenge lies in creating awareness among people and making them come up openly to talk about subject. One can easily believe that problem do exist but in rural population where people are illiterate. Ironically, it is more significant in urban areas where majority of inhabitant boast to be educated. Couples feel discriminated and often bombarded with unwanted questions, misguided opinions and advice, so they try to escape such scenes and gets socially boycotted.

Channeling the message through strategic audience, reaching right people, and market analysis of whether citizens of India are ready for this change were major challenges faced in her entrepreneurial journey. Since Gitanjali is working from her personal experience, it took courage to come out and connect with people facing same issues.

About Gitanjaliinfertility-dost-gitanjali-banerjee

She has more than 10 years of professional experience in content writing with MNCs. She is also a passionate travel blogger and owns a blog Travel By Karma where she share her tell-tales about offbeat destinations and experiences.

Combining blogging skills and burning desire to share the pain of people facing infertility issue, Gitanjali turned into social entrepreneur.  She is also winner of SheCEO 2017, organized by

Gitanjali is honing her entrepreneurial skills through six month program with IIT Delhi-WEE (Women Entrepreneurship and Empowerment) foundation which commenced in April 2017. The program is focused on nurturing women entrepreneurs through classroom training, mentoring and industrial experiences.  Major take away’s for her include formulating stable business plan, measuring user orientation, analyzing customer base, improving overall experience for users taking services, global exposure and  pitching idea to prospective investors.

3 D Printing: A technology set to make products digitally

What is 3D printing:

3-D printer is similar to desktop printer in homes & offices. The only difference with this printer is, it can print object in the form of three-dimensional digital model, i.e. instead of image of an object on paper, actual object is created like a rubber toy , typically by laying down many thin layers of a material in succession. This technology is as old as 1980’s.

Below are some examples for better understanding:

  1. In the video above, you can find how a 3-D printer can make cold food in the form of different cake-icing, chocolates and pancakes. This is called 3-dimensional food printing. This technology is still in initial stage, biggies like Hershey’s is making chocolates using 3-D food printer. Watch video here.
  2. Auto Roti-Maker, could make Chapati (Indian Pancakes) from wheat flour.
  3. With use of 3-D printing, we can make variety of tools, plastic parts and toys in small quantity and low cost. Watch here.
  4. Recently, 3-D printing is being used in making houses also.  Large customised machines can lay down cement foundation and make structure of the house. A company recently 3-D printed liveable house in less then 24 hours.Watch video to understand more.

Benefits of 3D printing:

  1. Cost effective: For manufacturing products, machines and dye are usually very expensive, their one time cost may be very high. But with 3-D printer, you can manufacture multiple products with single machine, whose cost is reduced by as much as 10 times. You only need to tell what design specification to print.
  2. Environment safe: 3-D printing drastically reduces the wastage of material, resulting in less pollution, and is therefore safer for environment.
  3. Less occupational hazards: 3-D printers which are available does manufacturing in an enclosed box, or covers. This reduces exposure to harmful emissions such as microscopic particles and chemicals, significantly. However, if you are using open 3-D printer without any cover, then after product is 3D printed, leave that product for 1 hour, before going near it.

How you can earn from 3D printing:

  1. Create and sell designs:

    With 3D printers, limited designs come, which can be used by customer to manufacture product. But to make customized designs, they should have technical skills to create new designs.  You can enter into business of creating and selling 3D printable designs. This industry is very new, market is increasing and future is promising.

    Free CAD tools like Trimble Sketchup or TinkerCAD are available, which can be used as platform to learn. You can whip up a complex looking design after a few tutorials easily. Sophisticated and professional quality designs can be made with these tools.  Make use of online tutorials and communities for help and faster learning.

    There are about 40,000+ designs on, which can be viewed for creativity, inspiration and possibilities.

    Once your design is complete in CAD, make sure it’s 3D printable (or “watertight,” in industry jargon). Free tools like netfabb or the Solid Inspector plugin for Sketchup will find and correct errors you inadvertently created.

  2. Manufacture and sell with 3D printer:

    You can purchase 3D printer from a reputed brand, and manufacture products at small scale for local/regional market.  3D Printing is also useful to reproduce objects that are no longer on sale, for instance in order to repair an old bike for which spare parts are discontinued. 3D Printing gives to everyone the power to manufacture objects only when they are needed or desired.

  3. Become 3D printer dealer/ information coach/ trainer:

    This is hot new in the market, where people which are interested in this field require assistance regarding 3-D printing. Having basic understanding, you can start giving your training sessions for free to generate awareness. Then when people are ready to adapt to technology, charge for your services. Even if you are living in remote areas, 3-D printing can be useful, As limited products are available in remote areas, there is often shortage of necessary items. Open small business using 3-D printing technology in best possible manner.  Take a look at ‘3D chocolate printer‘ manufactured in India.

An important tip!!

Purchase 3D printer of reputed brand only. Do not rely on local printers to save cost. Recently, there was house fire because of cheap 3D printer… Read full story here.

Augmented Reality: Technology which is penetrating every day lives fast.

Technology has changed the way we function in our daily lives. Now, We have mobile applications to do almost all of our tasks. Technology has entered in other domains and given rise to new domains such as “Fin-tech”, “Fashion-tech”, “Food-tech”, “Agri-tech”, “Bio-tech”, “Rural-tech” and more.

We are about to discuss about one technology in particular, which can be used in multiple categories of industry. It is present since long time, but making its presence felt now: Augmented Reality.

What is AR?

Augmented reality simulates real world environment. It takes digital or computer generated information, whether it be images, audio, video, touch or haptic sensations and overlays them over in a real-time environment. It allows the user to see the real world, with virtual objects superimposed upon or composited with the real world.

This technology have usage in various industrial sectors, namely Literature, Medicine, Music, Military, Travel & Tourism, Education, Architecture, and emergency situations.

Augmented Reality Vs Virtual Reality

VR Box is an example of Virtual reality, where a completely artificial environment is created. User can be sitting anywhere, but if he is wearing VR box on his eyes, he is transported to different place, virtually. Meanwhile Augmented reality combines artificial environment with real-life objects and people.  Therefore, AR supplements reality, rather than completely replacing it. Google Glass is well known consumer AR product.

How AR is touching everyday applications, few examples:

 1. Urban Exploration:

Applications like Google Maps are commonly used in almost every one’s journey. Similarly, many apps are being launched every month which are easing visualisation of places, navigation, and boosting travel & tourism industry. Remember, in science-fiction movies, navigation data appears on car wind-screen, and no need for driver to look any where else. Similar technology is being build and tested as we read, which will make those scenes common occurrence. WIKITUDE app was the first publicly available application that used a location-based approach to augmented reality. Wikitude is the globally leading AR technology provider.

2. Safety and Rescue Operations:

Image credit:; Smart Helmet manufactured by Daqri

Safety and rescue operations in emergency situations will be effected most by AR. First respondents in any emergency can be provided information like 3D maps of the area and other overlaying information via AR enabled devices. This reduce latency and help provide better visualisation of the site.

Daqri’s Smart Helmet is an example how AR can be helpful in industrial space. Data visualisation, Thermal vision, computer vision and maps are some of the techniques which modern day workers will find useful. There are endless industries with large machines and factory area space, who will benefit from AR enabled helmets. Industries like Chemical factories, Oil & Gas industry, Sugar, Automobile, manufacturing  units and construction sites will benefit most. Daqri has presence in California, UK, Austria and  Ireland.

3. Shopping and Fashion



Lakme Makeup Pro” is widely known real-time makeover app, which enables customers to try makeup on their face virtually. This app makes your Mobile phone’s camera as your mirror. User can try any look from beauty magazine, fashion week, or can apply cosmetic product on their own face and see the after-effect, virtually!

L’Oréal Paris Makeup Genius is another virtual makeup tester popular in foreign markets.

Image source:

Similarly, AR is used widely by different applications to enhance customer experiences in shopping and fashion space. Customers can try products at their home before actually purchasing them. We are talking about clothes, furniture, home-decor, electrical appliances and what not! Look and feel of any product can be visualised beforehand.

Dulux Visualizer app is using Augmented reality to show how your home walls will look in real time after paint.  For more info, watch video.

4. Entertainment:

Pokémon GO:  is the global gaming sensation that has been downloaded 650 million times and named “Best Mobile Game” by The Game Developers Choice Awards and “Best App of the Year” by TechCrunch.

In this game, people traverse the physical world using digital map on their smartphones, searching for pokemon characters that surface at random on their phone screens. This game brought AR to mass audience, and was big hit after launch.

Pokemon Go Game

Apart from Games, various other entertainment sectors like media, television, movies, theatre-performances are utilising AR for extraordinary customer engagement. For example in Indian reality dance show, Nach Baliye and award shows, performances are hugely effected by back-screen effects.

5. Education with FUN:

Quiver – 3D Coloring App:  It makes coloring pages so much fun! The Quiver App unify physical coloring  with state of the art augmented reality technology to bring you and your children an extraordinarily magical experience. It is exciting to watch unique coloring creation coming to life, that entertain both little and big minds.

Technologies used in AR

AR tools may use variety of technologies like machine vision, object recognition, gesture recognition, face recognition, Image Linked Map(ILM), gyroscopes, RFID, GPS, wireless sensors, accelerometer and speech recognition. These technologies are used in combination for different applications of AR. Augmented reality adds digital imagery and data to supplement views of the real world, giving users more information about their environments. Some AR apps also use customer’s Smartphone camera as a mode for capturing data. Now, that is a step beyond virtual reality.

If you want to read more on the topic, refer to: Augment for latest blogs and news related to augmented reality.

Posh Attire: Success Story of Namrata


About the company

Since ages, some fabrics have remained underrated in the fashion industry, owing to the usage of the fabric in the same form. At Posh Attire, Founders have undertaken one such initiative to launch same fabrics in a new avatar, still remaining true to the roots of fashion.

Their introductory collection was about launching different types of ‘Denim Fabrics’ in women’s top wear. They are currently focusing on contemporizing handlooms into women’s western wear.

Inspiration behind Posh-Attire

As a child, Namrata always dreamed of starting her own company someday. As a teenage girl, she got attracted to Glamour so much so that after a certain point it became difficult to keep it off her mind. It was after taking admission at NIFT that Namrata’s dream finally started taking shape.

After some years of working with various fashion brands, she quit her job and started working on her own clothing brand. She wanted to make something that’s very unique yet commercially viable. She named it as Posh-Attire.

The theme for new Collections is inspired from Women with Incredibly Strong personalities. They don’t have to be a fashionista’s but what they stand for as people, their work is important to society. She want her customers to take pride in standing out rather than constantly trying to fit in.

She always felt that certain fabrics inspite of being very versatile were repeatedly used in the same form over ages. So her motto was clear, that was to launch clothing in a new yet acceptable form.

Journey from Idea to Implementation & Challenges

 After quitting job, Namrata started working full-time on her venture with the support of her husband. It took almost a year and bootstrapping to launch their first range of Apparels in Jan 2016.

Being a single founder, the initial phase was quite challenging when she was wearing several hats at the same time and also managing the workload.

Searching for the right suppliers & manufacturers for small orders, keeping up pace with the unforeseen expenses was very taxing. But as long as she could see the light at the end of the tunnel, Namrata kept herself going.


High Time in Business

Like any other start-up, there have been many highs and lows in this journey. According to Namrata –

“We experienced highs when our customers were delighted at finding something distinctive & remarkable yet affordable .They also referred us to their friends. It is at that time, we felt we are creating a difference, not just hitting big numbers.”

This project was selected among the Top 50 projects by IIM-Bangalore WSP in 2017 Jan for the Bootcamp. It again become a proud moment for them.

Future Prospects

Posh Attire is planning some interesting concepts in coming months to keep the level of excitement among the customers intact.

They have had an opportunity to serve 15+ unique customers till date, and having a target to touch upon a 100+ before this year ends. Their team size, currently consisting of 4 passionate members, is also likely to increase with more creative brains joining them soon.

Posh Attire is having both online and offline (Brick and Mortar) business model.

  • They have physical presence in Bangalore
  • Their catalogue products are available on Voonik website for pan India.
  • Customers can connect directly with the team for customization work.
  • Posh Attire deals with customization in all fabrics and styles, be it traditional, contemporary or modern dress style.
  • Their major revenue is from customization.
  • From time to time they have launched campaigns to attract new customers. Her most recent campaign is loved by many, including me. It is “Bring your old wedding Sarees, we will make transform them into Modern outfits!”.

Role of IIM-B WEP program in shaping Posh Attire business

The WEP program gave a much needed mentoring for the structured growth of the business, which in turn helped in reducing the chances of possible strategy failures. From validation perspective, it helped them gaining exposure to a large number of women entrepreneurs at the same time, who provided hands-on instant feedback about the product, pricing, styles and suggestions to improve it for the better.

Some Personal Insights:IMAG0064_BURST001_COVER-001

  1. Namrata’s Life Mantra: “I get bored easily, if I were to follow the same kind of routine each day. So I decided to do something where I can play different roles and do different things every day.
  2. Books she read: About successful companies how they were formed, their struggles etc. Currently reading “The Everything Store”- Amazon.

Collaborative Climate: success story of Shweta Sharma

Unconference 12: Discussion on ‘Data and HR Analytics’, April 2017

What is Collaborative Climate?

  • Collaborative Climate work with organisations in instilling value and power of collaboration at the workplace for a more concerted spirit and climate.
  • They target Interpersonal Behavior, biggest reason for stress or no-stress, at work!
  • Collaboration Quotient has direct impact on – productivity & efficiency and employee engagement & mental fitness.
  • Collaborative Climate work with people and acts as catalyst in instilling harmony and symphony among employees.  Why_Collaborative_Climate

How Idea got conceived

Shweta Sharma has had an intense experience of 15 years in Organizational Behavior and People Development Domain. She’s also a Game Designer, Certified by Wharton School – University of Pennsylvania and Instructional Designer. She has worked with over 30 organizations as a consultant from across industries and verticals to develop behavior-specific competencies and has completed several Quality Circle (Six Sigma) Projects too. She studied Social Psychology from Wesleyan University and English Literature from Delhi University.

As a Subject Matter and Industry Expert, she realized that Poor Interpersonal Behavior and Collaboration is the biggest draining and exhausting factor for all employees, across hierarchies. She wanted to bring more seriousness and structure to this cause and started researching.

Upon her findings, she acknowledged various studies by Indian Government and even International Organizations that over the past decade work-place attributes such as: stress, attitude towards others, work-life balance, non-engagement etc have only degraded. Even when all established organizations conduct various programs such as – sponsored education, outings, off sites, mental well-being classes etc.

According to Shweta, “Although the need for Collaboration is in our face and has now become the new National Concern too, it’s not been an easy journey to bring awareness and structure to it. But am glad that I have been able to raise awareness and it’s a continuous work in progress. I intend to carry on with my research and offering different solutions for the organizations.”

Solution provided by Collaborative Climate: 


  1. DAIC Framework that administers the different Influencers that facilitate Collaboration at work, ran multiple surveys to quantify views and is now working with multiple MNCs, Indian Companies, PSUs etc.
  2. Specifically study and work on enabling Collaboration among team-members or departments/functions.
  3. To propagate the cause and need for Collaboration, they conduct Un-Conferences with Sr/Top Management from Business or HR Operations. Unconferences have been regarded as the best forums to discuss real issues and learn!
  4. Methodology Used:  Assessment Tools, Leadership Development Programs and different Gamified Solutions for team-members.Tools_used_Collaborative_Climate

Challenges Faced:

Since past one and half years, there have been many hardships faced by Shweta. One of them being adjusting with Role conversion; from working as an employee to being an entrepreneur. Another was creating the need for collaboration in the industry, recognition of work done by industry experts, getting the customers. She came up with concept of “Unconferences” where executives would meet and discuss. Organizing theses “Unconferences” in beginning were full of challenges like: convincing top managers to come, categorizing the right target audience, creating some value proposition for them as an incentive and then start doing business with them.

But as it is rightly said, “Prize does not matter, what matters is the experience during the journey of achieving that prize”. So, Challenges have been key factor behind continuous refinement of her services and gaining happy and loyal customers.

Unconference#9 on Succession Planning, Oct 2016

Recognition by different platforms:

Shweta’s hard work has paid off by now. Unconferences organised by Shweta were great success among Top managers. In their 9th Unconference, they even got sponsorship from Jones Lang Lasalle (JLL). Also, in one of the conference, a journalist attended as an member and covered their story in ANI news. Since then there has been no looking back!!

Shweta has been felicitated by two leading Technical Universities in their programs for students:

  1. GD Goenka University’s IDEA Incubation Program: where she judged the viability of the products/prototypes and mentored students in polishing their ideas as per the needs of the market.
  2. KIET University in collaboration with COWE: as a Panel addressing various questions on ‘Students as Entrepreneurs’.

It was wonderful experience and as per Shweta, “I am glad I could Collaborate with the students and help them Solve the Problems they are trying to address as entrepreneurs.Our nation definitely needs a stronger spine of entrepreneurs!”

Shweta’s Business has also been selected for IIT Delhi-WEE(Women Entrepreneurship and Empowerment) batch 2. Also, she has been listed as mentor on Sheroes recently.

Unconference#11 on Innovations in HR, Jan 2017


“WE Can India”: Another step to promote Women Entrepreneurs in North India

WE Can: Workshops and Business Plan Competition for Women Entrepreneurs – an initiative dedicated to promoting women’s entrepreneurship, has been organized by Dhriiti-The Courage Within, an Non Profit Organization in partnership with Cherie Blair Foundation for women, funded by U.S. Embassy India.

South India has been IT hub for long time, with startups and IT companies focusing on metro cities. Delhi-NCR, Chandigarh, Jaipur are witnessing rise of their own entrepreneurs who are working hard to change social, economical and financial landscape. But, among these startups and entrepreneurs, how many have been initiated by women??

To encourage women to take forward entrepreneurship seriously, WE CAN initiative is born. Women entrepreneurs are being supported to develop a business plan, providing them with a solid foundation to sustain and grow their enterprises.  Five cities of North India namely, Chandigarh, Jaipur, Delhi, Lucknow and Dehradun have been selected where 150 women were invited to attend these workshops. WE CAN, is Business plan competition, for which nominations were invited and through telephonic interviews, top 150 business ideas were selected.

Focus of Workshop

Workshop was in itself an interaction platform. Through multiple team activities, women could get Helicopter view of their businesses, see business through eyes of other people and figure out their weak points. Training on financial plan, customer segment, Market Analysis, risk management were some of the key points of interest.

Participant women were encouraged to interact and give presentation about their work as well. This activity boosted confidence of many women. Later on, six week mentor support is being provided to each individual, the time period will be crucial in developing strong business plan under guidance of industry expert. This kind of guidance is boon to many women who are looking for new ways to take forward their business.

One interesting observation made: Youngest entrepreneur in Delhi II batch was just 20 years old, college going girl, who is co-founder of On the other hand, there were women who were in middle 30s or early 40s also who were either already 12 years established in business, or were looking for fresh start in entrepreneurship journey. Such diverse collection of women is bound to start interesting conversations!! Don’t you think??

The competition is still in process, the winners will be announced in May, 2017. Lucky 25 women will receive Incubation support to kick-start their business. I am eagerly waiting for results to come and interact with winners to know how “We Can” helped them grow personally and professionally!!

About Dhriiti – The Courage Within

Dhriiti was founded in 2004, with primary objective to promote micro enterprises through a creative and professional approach. Dhriiti is an effort. A venture to change. An innovation by the youth for the youth of this country. Dhriiti is a progressive measure to build and motivate a culture of entrepreneurship and set up sustainable small-scale enterprises.

Dhriiti is constantly giving opportunity to people from  different segments to come, mingle and explore new ventures. One such latest initiative launched by them is ‘Beautypreneur Contest” in Delhi NCR, in association with Godrej and Saloni beauty and hair care program.

Some Insight in Author’s mind

Women’s day is being celebrated every year when, lots of gratitude is being shown to women, their tasks, roles they play. Different Corporate and Brands have found ways in terms of discounts and special events to monetized this day. This year, many videos have surfaced on Facebook and YouTube asking to respect women every day, not just on a single day. But, are women being respected and encouraged? Or still, women are given freedom with “Conditions Apply” even in families with open mind. All these concerns have been thought provoking and gave me an urge to write about women entrepreneurs. How different organizations are focusing on empowering Women in general.

Digital transactions:UPI vs Debit/credit cards vs Digital wallets

After 8 November, 2016, digital transactions have seen surge in growth,around 400-1000% alone in initial one month . Everyone from farmers in rural interiors to senior citizens in urban cities are struggling to adapt to the technology. Government has launched various initiatives to educate people towards digital transformation as well as some companies have opened their offices in remote areas with sole purpose of facilitating digital wallets and transactions.

The government has launched a toll-free helpline – 14444 – to address consumer queries on digital payments, which will address questions regarding various platforms, including the Bharat Interface for Money (BHIM), e-Wallets, Aadhaar-enabled payment system and USSD.

Some of the people are still confused regarding which payment mode to choose out of all the options available. Below is brief description about each mode of transaction, benefits and ease of use.

  1. Debit cards/Credit Cards

    Debit cards and credit cards are easiest mode of transaction for many people. Banks issue debit cards for account holders and if customers have activated their pin within specified time period, then debit/credit card becomes electronic cash. PIN  is just 4 digit number that needs to be remembered and entered every time you do transaction. So, debit cards are safe to use as long as you do no share your PIN with anyone. Similarly, now credit cards also come with PIN for increased security. But from 1st January, MDR (merchant discount rate)charges were effective on debit card transactions again. Although MDr discounts were given to merchants by RBI, they were not necessary to pass on. These charges along with transaction charges from ATM  will discourage customers from using debit cards and move onto other payment methods.

  2. Digital Wallets

    Paytm has become ordinary word for Indian citizens since demonetization. People are exploring benefits of digital wallets to ease their spending power. In metro cities, digital wallets were actively used pre-demonetization also. Now, Paytm has introduced Paytm “Nearby”, a feature that guides customers to their nearest Paytm merchant. Paytm has even got approval from RBI for its”Payment Bank”, which considered to be next step of moving forward and holding deeper roots in the market. Although, Airtel bank is being considered big competitor for Paytm payment bank.


    Tata Trusts and Google India’s ‘Internet Saathi’ program has partnered with digital wallet, Mobikwik to transform the lives of over 200 million with digital literacy in India. The initiative focuses on training communities to go online, whilst providing them access to internet powered devices and educating them about cashless payments. So wallet companies are moving forward and finding new ways to increase customer base, improve customer experience.

  3. UPI(Unified Payment System)

    UPI was launched in April 2016, with intention to provide standard digital payment system throughout India. All major banks in India(total 27, till now) have adapted to UPI and have their mobile app which are UPI based. In UPI, you could simply share your identifier, which resembles an email address. No hassles around IFSC, Bank account number or any other numbers. Since the sender has selected his/her user ID, it’s authenticated to the account. Also, major e-commerce portals like Bigbasket, Paytm are adding UPI as an option in their Payment gateways.

    UPI is still in initial stage and many security features still need to be added, but still it has started giving warning waves to digtial wallet companies. Since, in UPI money resides in bank till the transaction is actually made, users feel more secure. But two layer authentication of wallet companies provide enhanced security which is missing in UPI.

  4. USSD: Unstructured Supplementary Service Data

    BHIM app, recently announced by PM Modi, will enable people to send and receive money through their mobile phones by linking their bank accounts and UPI PIN number. The app will also work on feature phones through an upgraded USSD platform. In rural areas and tier III cities, majority of people still carry feature phones, so this announcement caught my attention.

    The *99# number is a USSD-based mobile banking service which brings together NPCI (National Payment Corporation of India) along with banks and telcos. For more details, on the NPCI website a list of participating banks, participating telcos and multi-lingual codes for the *99# service is provided.

    Using the *99# service, customers can check their account balance, mini statement, send money using MMID & IFSC and generate MPIN. Also, when Internet connection is not available, UPI transactions can be made through above hash tag service.

    This system purely works on the existing SMS system. Users don’t need any smartphone and this can work on even the feature phones, works 24×7, even on bank holidays. It uses normal voice connectivity to transmit data in the form of SMS, and there are no additional charges on roaming to use this service. To use this service, users need to link their mobile number to their bank account and dial *99# to start the service.

    You may also be interested in: Help Destroying Shadow economy(Black money)

Exploring creativity of two year old, thanks to Colgate Magical Stories Initiative


Book reading, story telling are must-haves in toddlers daily routine, as they help in developing reading skills and spark creativity and curiosity from early stage. I am mother of pre-schooler and was very excited when i got to know Colgate India’s Initiative about space story. You have guessed right!! I’m blogging my #ColgateMagicalstories at BlogAdda in association with Colgate. In starting, I was doubtful, whether 2 year old kid would be able to enjoy the Space characters, whether he will be able to understand and create magical stories. But, kiddo was very excited on getting new toys and put my worries to rest.

Let me first tell you a little bit about the Colgate initiative:

Colgate has launched three special packs containing three different space landscapes and characters: space station, spacewalk and alien planet. Inside each Colgate Strong teeth toothpaste pack, figures are printed along with some interesting information and cutting instructions. Each story pack can be played standalone also, but collecting all three pack covers lot of space knowledge.

My son’s curiosity was piqued and he started observing space characters. He asked lot of questions while i was cutting figures and assembling parts. He is small enough to create logical story so i fabricated a story for him. He being an super-active boy obviously made some additions and interjected many times in between.

My son playing with space characters

Story we created together

Once upon a time, there were two friends Ariv and Advika. They both played together and dreamed of becoming astronauts and explore space. They had memorized all space objects like planet system, stars, comets and asteroids. They started their fictional journey by travelling in rocket to space-station. Once they reached space-station, they wondered how marvelous space view was!! They decided to spacewalk with help of rope and explore around Venus, Mars, Saturn and most important, Sun. When they were alone in space, a spaceship crossed them and started shooting stones. Ariv and Advika wondered who could be throwing stones??  They returned to space-station to save themselves. Once inside, they saw that aliens exited from Spaceship and were showing some sign boards. Signboard read: “Welcome to Space!! Do not wander far from safe-zone. Do not come out without wearing safety jackets and spacesuit. It is dangerous. We want to be friends with you!!”. Ariv wrote on signboard and Advika talked with them using sign language. They decided to contact each other in future whenever they will come back in space. Ariv and Advika were happy on making new friends and came back to earth.

Above story may be very vague and open-ended, but for my son it was full of wonders. He could relate to events in story through pictures provided in Colgate pack. Soon, he was happily repeating some parts of story on his own. I loved this pack from Colgate which provided opportunity to engage in fun activities along with addition of new words in Vocabulary. So, when are you  bringing Colgate in your home and send your kids on magical space ride. Hurry and collect all three story packs for more fun.


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Important information on Organic products in India

Did you Know?

Sikkim is the first truly Organic state of India in January 2016, as declared by PM Narendra Modi. Click to know more.


Consumption of Organic Food and Beauty products is increasing in India. People are getting aware regarding harmful effects of pesticides, insecticides and fertilizers used in farming. Organic products range from  pulses, rice, milk, spices, flour, tea, cosmetics, supplements like neem, amla, saffron, to dry fruits and edible oils and ghee.

But a question arises, among the ocean of organic brands available, which brand is authentic?  There are many brands available which offer organic products, but all are not strictly compliant to government guidelines.

Indian Agricultural Research Institute (IARI), New Delhi, did a laboratory analysis between January 2012 and October 2014, where organic vegetable samples were collected from some popular organic retail sores in Delhi. According to their findings, 33% of organic products sold, which were covered in analysis, contained pesticides residues. This raises lot of questions in consumers mind, how can I trust a brand, if despite label of organic product, it still contain harmful chemicals.

Certifications to be checked on label:

There are various certifications available, which help in establishing products authenticity.

India Organic issues certification, which is in turn issued by testing centres accredited by the Agricultural and Processed Food Products Export Development Authority (APEDA) under the National Program for Organic Production of the Government of India. This certification has some standards which all organic companies need to follow in their vegetables, grains and fruits produce, process and packaging.

USDA Organic: This certification verifies that all United  States Department of Agriculture regulations, requirement  and specifications are adhered to by the organization. It ensures absolute commitment to Organic Certification qualifications, wide range of detailed monitoring as well as control measures, as established by the United States Department of Agriculture.

EU Organic Certification: This certification guarantees that the product in question complies with the common European organic food standards. Consumers buying products bearing this logo can be confident that at least 95% of the product’s ingredients have been organically produced, the product complies with the rules of the official inspection scheme, the product has come directly from the producer in a sealed package and that the product bears the name of the producer, the vendor and the name or code of the inspection body.

FSSAI: Food Safety and Standards Association of India: FSSAI logo certified food item means that certain standards have been met to regulate their manufacture, storage, distribution, sale and import to ensure availability of safe and wholesome food for human consumption.

Benefits of Organic Farming and Products:

Organic farming is inherent farming technique in India. Since ancient times, best practices of farming include methods such as crop rotation and natural compost which boosts crop health and increases soil fertility. With rise in use of chemical fertilizers, pesticides and insecticides, crop quality as well as soil fertility has reduced a great deal.

A study published by The Organic Center reveals that organic food is higher in certain nutrition content such as total antioxidant capacity, total polyphenols, and two key flavonoids, quercetin and kaempferol (read entire study or a summary in the Beyond Pesticides Daily News Blog).

Besides above points, lets see how organic farming is more beneficial from consumption point of view.

  1. Increased Nutrition content in food: Organic farming practice ensures that nutrition and fertility of soil is maintained. This results in better nutrition retention, in the form of minerals and vitamins in the food grown as well.
  2. Free from Poisonous content: Since organic farming discourages use of chemical products such as pesticides and fertilizers, toxic content absorbed by crop is also very less. his results in toxin free food and reduces health issues caused due to these toxins.
  3. Better and Original taste: Organic food have better nutrition quotient and thus they even taste better.If processed food has been prepared organically, then they are also free of preservatives and thus taste is more similar to that of freshly prepared food. One such example is:
  4. Longer storage life(shell life):  Organic plants have greater metabolic and structural integrity in their cellular structure than non-organic grown crops. This enables storage of organic food for a longer time.

Some Major Brands in India:

  1. 24 Mantra: Country of Operation: India, USA, Canada, UAE, UK, Mauritius. It is working as retailer, has its own stores Pan India as well as supplies its products through e-commerce giants.
  2. Big Basket: Big basket offers organic products of various brands as well as its own in-house brand: Royal Organic. Browse various organic products available on bigbasket here.
  3. Just Organik: Area of operation: Whole India and USA. Operational since 2013.  Products can be purchased through retails stores like WHSmith, Nature’s basket, Spencers, Taj Hotels, company’s website, Mobile app, and major websites like Amazon and bigbasket.
  4. Organic Tattva: Currently operational in Delhi NCR. Products can be purchased on Bigbasket and other e-commerce websites.
  5. Organic India: Operational in USA, India, UK, Australia and New zealand. Mostly famous for Organic Tulsi Teas, it is well known brand in India. It also supplies Organic Holi colors.
  6. Naturally Yours: Operational since 2010. Area of delivery: 250+ Indian cities. Available on major e-commerce and health websites.

You may also be interested in: Story of, a wedding trousseau accessories e-commerce portal

If you want to do digital marketing or want your sponsored posts, please contact me. We may be small medium, but it is harmless to engage in as much publicity as possible, especially when our services are free of cost. 

Children Notice These Behaviours Without Parents Realising It


We think and believe that small children do not understand or notice few of our (wrong) behaviour or they do not get distressed because of bad news as they may not understand it truly. But as parents we are absolutely wrong! There are few actions that harm our small kids psychologically and that tiny soul may cry when alone. If you want to save these tiny people from getting stressed when alone, please read the following points:-

1. Do not allow them to watch crime serials (that are so prevalent on hindi entertainment channels)

Small children are incapable to understand the difference between real life and TV serials. For him, everything is real. Whatever he see’s on television is like happening next door for him. Even if he understands that it is television and not reality, he should not be burdened with the possibilities of things going wrong with his family. Parents should always keep an eye on what the child is watching on the Television.

2. Do not talk about distressing news in front of them:

One lady shared her childhood experience. She was around 5 years old when a child was kidnapped from her neighborhood. Her parents and their friends kept discussing the news in front of this little girl. Now this girl was so scared to go to her bed alone and she ended up having sleepless nights or cried herself to sleep. The worst part was she never told about her fear to her parents and thus they were completely unaware of her distress.

Kids are incapable to put across their fears. Parents should talk it out to them. You should always watch what you speak in front of them.

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3. Do not fight with your spouse or any relative whom they love in front of them

If there is some kind of difference of opinion between you and your spouse, then talk it out ; do not scream or yell at each other. If they see you discussing things calmly, it will benefit them in the long run. But if they see their mom-dad yelling at each other or even if you do it in a separate room, they can hear you through the thin walls of your room. They will feel that something terrible is going to happen.

The same thing happens if they see their mom fighting with their granny (whom they love). They will have a feeling that they might lose one of you forever. They will not understand the adult world.

So if you really want to yell and scream at each other, either send your kid to some friends place or you guys can go out for a drive or walk. The yelling and screaming always scares them.

4. Never call them insulting names

A mother shared her experience. Her 4 year old son was very naughty and out of frustration and anger many a times the mother used to call him a ‘pest’. Once a guy from the pest control department was about to come to their house. So this child gets very scared and pleads his mother not to call this pest control chap as he will stop being naughty!! This kid actually thought that his mother was going to get him killed by this pest control chap!! So that’s how such small things affect our kids.

Watch your words when reprimanding your kid. If you are using any bad names or words to them, stop doing it. It cuts straight to their heart. If you’ll call them lazy or a bad boy, they will end up believing it to be true. It will never inspire them to be better.

5. Never hit them

If you will hit him, he will end up believing that hitting is an acceptable behaviour. There is always another way to discipline him but hitting can never be accepted. Set boundaries and be firm with it. If he defaults, then punish him by cutting out his play time or TV time. They will get the point and will not end up crying themselves to sleep.

You may also be interested in: New Baby preparation tips for Indian Mindset

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