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Baqar Iftikhar

Baqar Iftikhar Naqvi  |112 Answers  |Ask -

Start-up Mentor - Answered on Feb 23, 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
Asked by Anonymous - Feb 22, 2024Hindi
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Planning to sell South Indian snacks from home through Zomato and swiggy...how to start

Ans: Just contact Zomato onboarding team. Make sure your products have a good packaging and all licenses etc. to sell packaged food are there with you.
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Hello I want start my own business of flours of wheat,Jowar,Nachos ,Rice etc. i already have two flour machine they can produce 50 Kg daily. please guide how i can start where to sell the product.
Ans: In order to run a successful wheat flour business and further, one needs to give company description, conduct request analysis, describe the products and services, cost and profit, marketing of the brand, necessary outfit and inventories, legal paperwork and further.
Wheat flour shop business plan should give emphasis on the growth factor, its business sustainability and profitability. Good Business Idea You can start this business at both the following places like pastoral areas and also civic area. There are numerous different types of flour as mentioned over and you can start with low investment.
First Way of Wheat Flour Business originally, this type of wheat flour business demands a moderate capital investment. You need to set up an integrated flour shop. Offer the packaged wheat flour products to the guests. You need to have strategic planning for the distribution of wheat flour and marketing. Alternate Way of Wheat Flour Business This type of business requires a small retail space which requires low investment. Install an atta chakki in that particular space. Allow the guests to come on with their grains. Charge the guests for grinding those grains.
Food License for Wheat Flour product Business The Wheat Milling Flour Business comes under the order of Food Processing Industry. So before launching the wheat flour business, it demands specific licenses, warrants and enrollment process. The following are the licenses and warrants that bear for starting the wheat milling flour business You need to apply for the Trade License from the original external authority. You must apply for the FSSAI( Food Safety and Standards Authority of India) enrollment . You should apply for BIS( Bureau of Indian norms) instrument. This type of business doesn't bear a pollution concurrence. Check it with the state pollution control board in your place or area. Determine the association form. Register your wheat milling flour business with ROC. You need to apply for Udyog Aadhaar MSME Online Registration. You must apply for AGMARK( Agricultural Marketing). Check for the arrears of duty. Announce on the following TV Distribute flyers News Papers Use digital technology Incipiently, give Banners at hoardings at the roadside The same system and way you can use for nachos and other flours.

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Asked by Anonymous - Sep 15, 2024Hindi
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I am having a home loan of 12 lac for 20 years @8.7p.a. roi. I am about to have estimated 4500 Surplus every month out of which I will invest rs 1200 in sip with 1% step up every year and rest in principal. My query is 1-Please suggest the fund names for excellent growth to recover all the interest and principal(if possible). 2- Bank has committed to review and revise roi every year based on my cibil. I want to get this statement verified from the expert 3-My Cibil score is 790 at present. I am a regular user of credit card, pay dues timely, my average monthly bill is 2000/- only. and as told above I am going to have a home loan. I want my cibil score 825. How much time will it take to increase my cibil by 35 points.
Ans: Hello;

Your home loan of 12 L with 8.7%(considered fixed for calculation sake)and 20 year tenure is expected to have an interest outgo of 13.36 L

If you start a SIP of 1200 with 1% top-up each year then it will yield you a corpus of 14.55 L, after 20 years,thereby covering your interest outgo

If you want principal also to be covered for recovery through your investment then you must make a SIP of 2100 with 1% top-up each year which will yield you a corpus of around 25.56 L, after 20 years, thus exceeding your entire loan outgo(principal+ interest) of 25.36 L.

Here I have considered moderate return of 13% and recommend you to invest in PPFAS flexicap fund.

CIBIL score of above 750 is considered excellent and bank should offer you best possible ROI. Do check with other banks for best offer.

CIBIL Score calculation depends on:
Repayment history(35%)
Credit Utilisation (30%)
Credit history(15%)
Credit Mix(10%)
New Credit(10%)

My opinion is you are already in the excellent cibil rating category and should get best ROI from the bank.

CIBIL score increase happens over a period of time based on positive development on aforementioned criteria.

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing

Happy Investing!!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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