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Baqar Iftikhar Naqvi |114 Answers |Ask -Follow

Start-up Mentor - Answered on Feb 25, 2024

Baqar Iftikhar Naqvi is the founder and CEO of Upriver Ecommerce, an online sales accelerator firm and can guide entrepreneurs on how to make their firms grow.He holds a BTech in textile technology from the Central Textile Institute and has a master's degree in marketing and merchandising from the National Institute of Fashion Technology.He has 23 years of experience in the consumer products and retail industry.... more

Question by Syed on Feb 25, 2024Hindi

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I'm Zubair, I want to o start a private bank in India where I can provide interest free loans and ask the customers to tie up their salary account with us. Also to provide loan to businesses and earn profit from from then instead of asking interest. This I believe will have a tough competition with existing banks in India. How does this idea sounds to you. Please guide me. I won't be mentioning Islamic Banking tho as u know how people might not be intrested so just wanta to start as a private bank but most of the features will be Islamic.

Ans: Banking is a very regulated sector in India and you will find it very very tough to compete with the current banks as well as the system to do it. What you are wanting to do May not even be possible withing the current system, where there is a cost of money and hence you cannot give interest free loans to people. Check out the possibility of doing this from the regualtory perspective, before anything else. Anyways I think it is a very uphill task even if technically possible. So I would suggest you focus your ebergies on something else

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Baqar Iftikhar Naqvi |114 Answers |Ask -Follow

Start-up Mentor - Answered on Mar 29, 2024

Question by Syed - Feb 25, 2024Hindi

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Hi, I'm Zubair. I'm want to change the banking sector, I want to open an Islamic banking tho not mentioning the name as such coz people might not be interested to bank with as it's related to Muslim,but the concepts and features will be same. I want to lend money without interest so that customers can approach us instead of other banks, therefore building a strong competition,will lend money to businesses and earn profit sharing instead of interest. Will this be a change in Indian customers and is this sounding good? Please advise. Much thanks.

Ans: I am not a banking sector expert, but as i understand, Indian banking sector is highly regulated. You may not be able to do any of these things. Please check teh feasiblity of this from a regulatory and legality point first.

Ramalingam Kalirajan |8916 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Oct 04, 2024

Question by RAJESH - Oct 04, 2024Hindi

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Thanking sir for your good response but still I am satisfied with my banking idea but how could I able to do this for our jawans. Please direct me in this regard from other side. Can we approch with banks with my ideas but they will not agree however I am very sure about it and in future it will give us better and better results not for jawans for anyone.

Ans: Persistence and a clear presentation of your vision can make a difference.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Asked by Anonymous - Jun 15, 2025

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Which option would be batter as I residing near Delhi for batter placement and LPA CSE Vallore or CSE JP Noida sec-62.

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Question by RITESH - Jun 15, 2025

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My daughter had completed her 10+2 last year . She didn't do well in NEET 2025 . I want know what are the prospects / careers in Biochemistry ?

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NEET, Medical, Pharmacy Careers - Answered on Jun 15, 2025

Question by Siddhi - Jun 15, 2025

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Mera NEET 2025 mein 237 marks aaye obc category toh kya b pharma kar sakte hai neet ke through ya phir koi aur option hai iske alawa councelling mein participate karna chahiye ya nahi

Ans: HI Sidhhi,
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