Key Takeaways

An FD-backed credit card uses a fixed deposit as collateral while providing a separate credit facility.
First-time applicants can access credit without relying solely on an established credit history.
Responsible card use and timely repayment can help establish credit history when repayment activity is reported.
Applicants should compare minimum FD requirements, credit limits, fees, repayment terms, and lien-related terms.

Getting a credit card for the first time can be difficult when you have limited or no credit history. An FD-backed credit card offers an alternative by using an existing fixed deposit as security for the credit facility.
The card is secured against the value of the FD, with the issuer setting eligibility and credit-limit conditions based on its applicable terms. The deposit remains with the bank while you receive a separate credit limit to make eligible transactions.
What Is an FD-Backed Credit Card?
An FD credit card is a credit card secured against a fixed deposit. The FD acts as collateral for the card, while the cardholder receives a credit limit based on the value of the deposit and the issuer's terms.
The FD remains invested and continues to earn interest according to its applicable terms while it is linked to the card. Your card spending is separate from the FD, so purchases made using the card are not directly deducted from the deposit.
How Does a Credit Card Against FD Work?
When you apply for a credit card against FD, you create or link a fixed deposit with the card issuer. The bank places the deposit as security and provides a credit limit against it.
For example, if a card issuer sets the credit limit at 80&#37 of the FD value, a ₹1 lakh FD could support a credit limit of up to ₹80,000. The actual percentage varies by issuer.
You use the card like a regular credit card, and repayment is done according to the billing cycle. The FD continues to serve as security for the credit facility while earning interest.
How to Apply for an FD-Based Credit Card
The application process generally involves the following steps:

Choose the card: Compare the credit limit, fees, repayment terms, and other features.
Create or link an FD: The required deposit amount depends on the card and issuer.
Complete the application: Provide the required personal and KYC details.
Complete verification: The issuer verifies the application and FD.
Receive the card: Once approved, the credit card is issued with the applicable credit limit.

Before applying, check whether the FD has a minimum deposit requirement and understand how the deposit will be linked to the card.
What Are the Benefits for First-Time Applicants?
A secured credit card can provide several benefits when you are starting your credit journey.

Access to credit: You get a credit facility without relying on an established credit history.
FD continues earning interest: The deposit remains invested according to its applicable terms.
Opportunity to build credit history: Responsible use and timely repayment can help establish a formal credit history when the issuer reports relevant information to credit bureaus.
Regular credit card functionality: You can use the card for eligible purchases and repay the amount through the regular billing cycle.

What Should You Check Before Applying?
Choosing an FD-based credit card involves more than checking the required deposit amount. Compare the following before applying:

Minimum FD amount required.
Credit limit offered against the FD.
Joining and annual fees.
Interest and other charges on unpaid balances.
Payment due dates and minimum payment requirements.
FD premature-closure and lien-related terms.
Rewards, cashback, or other card benefits.
Whether the issuer reports repayment activity to credit bureaus.

These details determine the card's overall cost and usefulness for your financial needs.
Conclusion
An FD-backed credit card gives first-time applicants a way to access credit by using a fixed deposit as security. The FD remains invested according to its applicable terms, while the card provides a separate credit facility.
Before applying, compare the deposit requirement, credit limit, fees, repayment terms, and reporting practices. Choosing a card that fits your financial capacity and using it responsibly can make it a useful starting point for building your credit history.
FAQs

 Does an FD-backed credit card require a CIBIL score?

Some secured cards do not require a prior CIBIL score because the FD secures the credit facility. Eligibility requirements differ between issuers.

 Can I use an FD-backed credit card for online purchases?

Yes. Once issued, the card can be used for eligible online and offline transactions according to the card's terms.

 Does the fixed deposit stop earning interest after it is linked to the card?

No. The FD continues to earn interest according to its applicable terms while it remains active and linked to the card.
Disclaimer: The information provided on the Website does not constitute investment advice, financial advice, trading advice, or any other form of advice, and you should not interpret any of the financial content as such. Please conduct your own due diligence and consult with a financial advisor before making any investment decisions. Midday does not endorse or promote any such activities, and you access them at your own risk, fully understanding the monetary and legal consequences involved. Midday shall not be held responsible for any losses you may incur as a result of using any such apps or websites. 

Credit Card Against FD: Full Guide for First-Time Applicants

A last-over thriller, a movie night, or your favourite playlist can lose much of its impact when the sound feels thin and distant. That is where a Philips home theatre can change the experience. With 3.1, 4.1, and 5.1-channel options, dedicated subwoofers, Bluetooth connectivity, USB playback, and up to 90 W audio output on select models, you can bring clearer dialogue, deeper bass, and more immersive sound into your living room. Whether it is the roar of a stadium or the soundtrack of a weekend movie, the right setup can make everyday entertainment feel far more engaging.
Once you know the channel configuration, audio output, and connectivity features that suit your room, Bajaj Finance can make the purchase easier to manage. Choose from over 1 million products across 550+ brands and access Easy EMI options at 1,50,000+ partner stores across 4,000+ cities, including Reliance Digital, Croma, and Vijay Sales. The Insta EMI Card offers a limit of up to Rs. 3,00,000, while the Easy EMI Loan provides financing of up to Rs. 5,00,000, giving you greater flexibility to choose the Philips home theatre that suits your entertainment setup.
7 reasons a Philips home theatre system is the right choice for Indian homes
A Philips home theatre can suit different Indian living spaces, with multiple channel configurations, dedicated subwoofers, and practical connectivity options. Here is what makes it worth considering:

Surround sound for everyday entertainment: A 5.1 home theatre system places speakers around the room to create a more immersive experience for movies, sports, and music.
Dedicated bass: The subwoofer handles low-frequency sound separately, adding greater impact to movie soundtracks, music, and sports broadcasts than built-in TV speakers.
Options for different rooms: Philips offers 3.1, 4.1, and 5.1-channel configurations. Compact setups work well where rear-speaker placement is difficult, while 5.1 systems suit rooms with enough space for surround speakers.
Different audio outputs: Options ranging from around 38 W to 90 W let you choose according to your room size and listening needs.
Practical connectivity: Select systems support wired TV connections, Bluetooth, USB playback, and other inputs, depending on the model.
Options across budgets: Philips offers multi-speaker systems at different price points, making it possible to upgrade from built-in TV speakers without moving directly to premium audio equipment.
Established audio brand: Philips has a long presence in India's consumer electronics market, making it a familiar choice for home audio products.

What do 5.1, 4.1, and 3.1-channel configurations mean?
The channel configuration indicates how many main audio channels and subwoofer channels a system uses. Choosing the right setup depends largely on room size and speaker placement.

3.1 channel: Uses front left, front right, and centre channels with a subwoofer. It suits smaller rooms where rear-speaker placement is difficult.
4.1 channel: Uses four main channels with a subwoofer, providing a wider speaker arrangement without a dedicated centre channel.
5.1 channel: Uses front left, front right, centre, surround left and surround right channels with a subwoofer. Correct speaker placement can create a more immersive surround-sound experience.

Pro tip: Avoid placing every speaker in a 5.1 system at the front. Surround speakers should generally sit beside or slightly behind the listening position. If your room cannot accommodate them, consider a more compact configuration.
Top Philips home theatre systems to explore in India 2026
Explore top Philips home theatre systems in India in 2026, with 3.1, 4.1, and 5.1-channel options offering 38 W to 90 W output across different budgets.




Model


Configuration


Output


Price




Philips SPA4040B/94


5.1 channel


45W


Rs. 3,728




Philips MMS3160B/94


3.1 channel


60W


Rs. 4,999




Philips SPA8140B/94


4.1 channel


38W


Rs. 4,999




Philips SPA5162/94


5.1 channel


60W


Rs. 7,490




Philips SPA5190B/94


5.1 channel


90W


Rs. 7,879




Disclaimer: Each model's features, availability, and pricing are subject to change and may vary. For the most accurate and up-to-date information, please visit the official website.
What are my financing options to buy a Philips home theatre on EMI?
You can finance almost any model in this guide. Bajaj Finance offers two ways to do this:




Financing option


Loan limit


Tenure


Best for




Insta EMI Card


Up to Rs. 3 lakh


3 to 60 months


Buying across categories over time




Easy EMI Loan


Up to Rs. 5 lakh, basic KYC, CIBIL 650+


3 to 60 months


A single higher-value purchase




How to buy a Philips home theatre from Bajaj Finance partner store?
Buying a home theatre setup with Bajaj Finance's in-store financing options is quick and convenient. The process usually takes just 10-15 minutes at the store. Follow these steps:

Browse Bajaj Mall first: Compare Philips home theatre models by configuration, output, and price before visiting a store
Find a partner store: Head to a nearby Reliance Digital, Croma, or Vijay Sales
Check in person: Listen to the system in the store before buying. Output power and subwoofer performance vary significantly between models and are best evaluated in person
Choose your EMI option: Ask about the Insta EMI Card or Easy EMI Loan, and check zero down payment offers on select models
Complete your purchase: Once financing is approved, take your setup home or schedule delivery

A Philips home theatre system is one of the most impactful home entertainment upgrades available in India in 2026 and the most affordable way to get genuine multi-channel surround sound into an Indian living room. Use the configuration guide above to match the right system to your room size, compare the full range on Bajaj Mall, and use Easy EMIs to bring the right Philips home theatre home.
Disclaimer: The information provided on the Website does not constitute investment advice, financial advice, trading advice, or any other form of advice, and you should not interpret any of the financial content as such. Please conduct your own due diligence and consult with a financial advisor before making any investment decisions. Midday does not endorse or promote any such activities, and you access them at your own risk, fully understanding the monetary and legal consequences involved. Midday shall not be held responsible for any losses you may incur as a result of using any such apps or websites. 

Why a Philips Home Theatre Is the Smartest Audio Upgrade for Indian Homes in 2026

India takes centre stage in Kazan this September as filmmaker&nbsp; Shobhita Thakur &rsquo;s&nbsp; KHILAWADI (The One Who Plays)&nbsp; heads to the prestigious XXII Kazan International Altyn Minbar Film Festival in Russia. Officially selected for the Short Feature Competition, the 27-minute film will have its grand Russian premiere from September 4&ndash;9.
The selection marks another significant milestone in the journey of the film, placing an intensely Indian story before an international audience at one of Russia&rsquo;s prominent film festivals.&nbsp; KHILAWADI&nbsp;&nbsp; stands as the only Indian film representing the country in this highly curated Short Feature category.
The Kazan International Film Festival has long stood as a beacon for serious global cinema, having previously hosted and honoured legendary masters of film and art, including Catherine Deneuve, Adrien Brody, Isabelle Adjani and Emir Kusturica. Guided by a philosophy rooted in humanism, cultural tradition and peace, Kazan curates cinema that engages with universal human values.
This year, the competition was particularly formidable. From 66 competing nations, the International Selection Committee, headed by distinguished film expert and VGIK scholar Nina Kochelyaeva, handpicked an exclusive final line-up of just 54 films representing 21 countries. In the Short Feature category, only 10 films from around the globe made the final cut.
What makes the Kazan selection particularly significant is that the film does not merely travel internationally; it carries with it a distinctly Indian social reality. At a time when Indian cinema is increasingly finding audiences across borders, Thakur&rsquo;s film brings to the global stage a story rooted in caste- and gender-based oppression, with childhood trauma and the fundamental human right to choose one&rsquo;s own future at its core.
KHILAWADI&nbsp; follows Sapna, a 12-year-old girl from the denotified Banchhada community of Madhya Pradesh. After encountering a woman doctor at a local healthcare centre, Sapna develops a dream that seems simple for any child but is radical within her circumstances: she wants to become a doctor.
Her dream, however, comes up against a generational system of caste-based prostitution that threatens to determine her future before she is old enough to determine it herself.

Rather than approaching this difficult reality through sensationalism, Thakur places the child and her imagination at the emotional heart of the film. Sapna&rsquo;s dream becomes a quiet act of resistance, a child&rsquo;s refusal to accept that her birth must dictate her destiny.&nbsp;
That deeply local story has already travelled remarkably far.&nbsp; KHILAWADI&nbsp;&nbsp; has built an impressive festival profile across India and overseas, receiving selections and recognition in Canada, France, Italy, Mexico, Turkey, the UK, Egypt and Russia, alongside a strong presence at important Indian festivals.
Its international journey began making waves in Canada at the FascinAsian Film Festival, where it had its world premiere across Calgary, Edmonton and Winnipeg. The film went on to receive the Audience Choice Award in Calgary, as well as Best Film and the Building Bridges Award in Edmonton.
Back in India, the film won Best Short Film at the Buddha International Film Festival, Pune, and subsequently received the Ritwik Ghatak Bronze Award at the 9th South Asian Short Film Festival in Kolkata, as well as an Honourable Mention from the Jury at the 15th KSIFF, Kolkata.
For director Shobhita Thakur, this momentous journey represents the possibilities of independent filmmaking to create meaningful stories when conviction meets craft. Her education at FTII, Pune, gave her the aesthetic, philosophical and technical foundation; years of professional experience across filmmaking and media sharpened her storytelling instincts;&nbsp; KHILAWADI&nbsp; has given her a voice of her own.
An author as well as a filmmaker, Thakur believes that a filmmaker must deeply engage with society, and that cinema cannot exist in isolation from the world it observes, questions and reflects upon. Her writing and think pieces, exploring society, philosophy, politics and contemporary realities, have appeared in leading publications including&nbsp; The Hindu ,&nbsp; Frontline ,&nbsp; New Delhi Post , and several national and international platforms. This engagement with the world around her continues to inform her cinematic practice, as she remains committed to telling stories deeply rooted in social realities.
What began as one filmmaker&rsquo;s courage to confront the uncomfortable truths and deep-seated injustices within our social fabric has now grown into a powerful cinematic journey across the world. A story that began in the heartland of Madhya Pradesh has quietly travelled far beyond its origins, reaching audiences in Calgary, Edmonton and Winnipeg, and then Mexico, Italy, France and Turkey. Now, it makes its way to Kazan, Russia, carrying with it the voice of a deeply Indian story.
As&nbsp; KHILAWADI&nbsp;&nbsp; continues its journey across the world&rsquo;s film festivals, Shobhita Thakur is steadily taking an uncompromisingly Indian story, and her own distinctive voice as a filmmaker, to audiences far beyond the borders of India.
The Russian premiere in Kazan is not merely another stop on that journey. It is a moment in which Indian cinema, independent filmmaking and one filmmaker&rsquo;s singular voice arrive on the world stage with a story that speaks to a universal question: how much of a child&rsquo;s future should be determined by the circumstances of her birth?
https://www.instagram.com/lilyshobhita/
https://www.facebook.com/shobhita.thakur

India Takes Centre Stage in Russia: Shobhita Thakur’s KHILAWADI Set to Show a Powerful Story at Prestigious Kazan Premiere

For the Terra Invest founding partner, tennis was never just recreation. It became an early education in accountability, recovery, patience and the difference between conviction and stubbornness.
Long before Krishan Rattan was managing capital, structuring complex financial transactions or building investment businesses, sport was already teaching him lessons that would follow him into boardrooms decades later.
For the Founding Partner of Terra Invest, tennis has remained a particularly important thread. Rattan played during his formative years and continued to be immersed in sport during his time at the University of California, Berkeley. Today, after a career spanning banking, entrepreneurship and alternative asset management across New York, London and other global financial centres, he still returns to the tennis court as a useful way of thinking about pressure, decision-making and performance.
What stayed with him was not simply competitiveness. It was the psychology of having to perform while being completely accountable for the next decision.
&ldquo;Tennis teaches you very quickly that nobody is coming onto the court to solve the problem for you. There are moments when everything is working, and there are moments when nothing is. You still have to find a way through the match.&rdquo;
Learning to play the point in front of you
Investment careers are usually described through their successes: the transaction that closed, the investment that compounded, the business that scaled. The lived version is far less linear. Markets turn. Financing windows close. Management teams make mistakes. Political decisions alter assumptions. A technology that looked transformative can be overtaken by something better.
Rattan believes tennis provides a useful mental model for that uncertainty. A lost point cannot be replayed. A player has to absorb what happened without allowing it to contaminate the next decision.
&ldquo;You cannot spend the next five games thinking about the point you just lost. That is one of the most transferable lessons from sport into business. Learn from the outcome, but do not become emotionally trapped by it.&rdquo;
That distinction between learning from an outcome and being controlled by it has become increasingly important to Rattan&rsquo;s work at Terra Invest. His career has included senior roles at Morgan Stanley, Credit Suisse, Deutsche Bank and Soci&eacute;t&eacute; G&eacute;n&eacute;rale, followed by entrepreneurship in alternative asset management. Terra Invest&rsquo;s published biography says he has raised, deployed and overseen more than US$12 billion in transactions and previously established Mount-Row, which grew to more than US$1.2 billion in assets under management.
Conviction is not the same as stubbornness
Rattan says one of the dangerous instincts in investing is the desire to be right all the time. Sport provides an antidote because even elite athletes lose points, games and matches. Excellence is not the elimination of mistakes. It is the ability to stop individual mistakes from becoming systemic ones.
In portfolio terms, not every investment needs to become extraordinary. The discipline lies in understanding downside, position sizing, correlations and the moment at which an original thesis no longer holds.
&ldquo;There is a huge difference between conviction and stubbornness. Conviction keeps you in a match. Stubbornness can make you keep playing the wrong shot.&rdquo;
That philosophy helps explain why Rattan is interested in structural themes such as artificial intelligence, healthcare, energy and financial infrastructure, but is wary of treating a fashionable narrative as an investment thesis. The bigger the theme, he argues, the more important it becomes to understand the system around it.
Why sport has become an investment category
Rattan&rsquo;s relationship with sport is increasingly relevant in another way. Professional sport has evolved into a sophisticated global asset class. Teams are brands. Media rights have become strategic assets. Women&rsquo;s sport is attracting larger audiences and commercial investment. Athlete-led businesses are multiplying. Performance data, recovery technology, sports medicine and longevity are beginning to overlap.
A modern sports ecosystem can combine intellectual property, broadcasting, sponsorship, ticketing, hospitality, real estate, consumer products, data and technology. That makes it far more interesting to institutional investors than the old model of simply buying a team and hoping its valuation rises.
Rattan is especially interested in the intersection of sport, health and longevity. Elite athletes have long had access to sophisticated diagnostics, recovery protocols, biomechanics, nutrition and performance medicine. Many of those ideas are now moving into mainstream preventive care.
&ldquo;A lot of what we now call longevity is really about taking ideas that have existed in elite performance environments and making them useful and accessible to a much broader population.&rdquo;
The Berkeley effect
Berkeley also remains part of the story. Rattan maintains ties with the university and serves on the steering committee for the Haas School of Business. He describes the environment as one in which technology, academia, entrepreneurship and competitive sport existed unusually close to one another.
Decades later, that mix looks increasingly relevant to the investment world. Artificial intelligence is moving into healthcare. Medicine is becoming more predictive. Sport is becoming more data-driven. Universities remain important meeting points between basic research and commercial capital.
&ldquo;You want to spend time with people who are thinking about what becomes possible next, not simply what can be financed today.&rdquo;
The long game
Perhaps the most durable sporting lesson for Rattan is a sense of time. A tennis match can turn quickly. Momentum disappears and returns. The player who dominates early does not always win.
Business careers behave the same way. Rattan&rsquo;s own path has moved from banking into entrepreneurship, alternative asset management and Terra Invest through very different market cycles. The common denominator has not been one asset class, but an ability to keep learning and re-entering the arena.
&ldquo;In business, as in sport, you have extraordinary days and very difficult ones. Neither tells you the whole story. What matters is whether you can come back with the same curiosity, discipline and willingness to play the next point properly.&rdquo;
For someone whose professional life now involves thinking about the future, it is one of the oldest lessons in his repertoire: play the point in front of you.

Krishan Rattan of Terra Invest on Tennis, Competition and Why Sport Still Shapes the Way He Invests

Luxury has taken a new shape in terms of horizontal living, and it's in the form of thoughtfully crafted villas.
There was a time when luxury buyers used to admire the grandeur or from an aesthetic point of view, but it&rsquo;s past now. Buyers like UHINs and CXOs are gradually becoming aware of how the fundamentals of living, when focused properly at a villa, can drastically enhance its experience. A thoughtful architecture that allows sunlight during the day, focuses on ventilation, and stays grounded to surrounding nature can really uplift the lifestyle of the residents and gradually become an heirloom.
So, the most remarkable homes today are not the loudest among others, but an understated one that delivers exactly what is needed.
Why Buyers are Choosing Understated Luxury
Luxury real estate enthusiasts nowadays are slowly becoming aware of what they want, and it was about time. Whether it was the pandemic in 2019 or the recent developments due to global warming, the urge towards living close to nature and its cycle is increasing by the day. A villa&rsquo;s interior fabrics and scale are not completely eliminated from the picture, but those have become more contextual and secondary.
What is primary is the fact that buyers are more inclined towards: how adaptable the designs are, how well it maintains the natural rhythm of the place, or how well it optimizes the temperature throughout the seasons, offering comfort and longevity.
Recently, ANAROCK&rsquo;s Chairman mentioned that luxury buyers are deriving more value from lifestyle experiences than just high-end addresses. It is witnessed in real time that ultra-luxury projects now prioritize bespoke customization and climate-responsiveness.
What Does Understated Luxury Look Like?
There is no &lsquo;look&rsquo; based identification factor for any understated luxury villas; its more about &lsquo;feel&rsquo;. Think of a home where the architecture responds to the land, natural light stays during the day, while cross-ventilation ensures that the temperature remains optimum round the clock.
To match this natural vibe, developers are focusing on locally sourced materials that go with the surrounding landscape. Not to forget the respect towards the existing trees and ecology and crafting according to their contours. When these grounded aspects, along with contextual planning, become an integral part of one&rsquo;s home, it starts to feel comfortable, uncluttered, and balanced. The reason being, the ecosystem then takes care of your physical as well as mental wellbeing.
Designing Homes That Feel Effortless
Homes that feel effortless require nothing short of &lsquo;out of the world&rsquo; to craft. The builders and architects just have to be thoughtful enough to craft something that touches the hearts of the residents.
Imagine you just came back to your home after a long day of work and find yourself immersed in a quiet balcony that surrounds itself with greenery and fresh breeze. Subsequently, your daily routines like workouts and morning walks are sorted because the villa comes with necessary spaces. Also, with time, you start to adjust your routine according to the natural cycle, starting with soft morning sunlight, chirps of birds, and gradually cooling off with optimum airflow in the evening. Moreover, it adapts to changing seasons because of its strategic orientation and thoughtfully chosen materials.
Understated luxury living has unlocked a new dimension of luxury, and that fosters tranquillity, leveraging nature and thoughtful architecture.
Why Timeless Design Outlasts Trends
All Insta-worthy villas might be aesthetically pleasing in nature, but lack longevity and sometimes meaning too.
Buyers today are more aware of what they are looking for. They have started to admire the simplicity of their space that comes with meaning. Every corner is used with intention and towards growth. Not random big layouts. Secondly, a villa furnished with authentic materials that resonates with its surroundings lasts a lifetime; not fighting the climate conditions. Residents find solace in thoughtful architecture that cocoons them from unwanted distractions and degradations, while not affecting the indoor-outdoor living convenience.
Design trends are meant to be on the rise at an intermittent interval, but generational assets are built to solve a purpose that resonates throughout generations.
Anokha Estates: Crafting Thoughtfully and with Purpose
At Anokha, every villa in Goa is guided by the belief that award-winning architecture begins with understanding the land, rather than governing it. We craft design-led luxury homes, built around the natural contours of the landscape, sunlight, prevailing breezes, and local materials like teakwood and stone, so that every owner can get the best essence of living in a coastal and beautiful region like Goa. Keeping all these factors in check also helps in delivering longevity, as the monsoons and humidity remain high for most of the calendar year.
Whether it&rsquo;s our Q Vagator or Villa in the Palms, one would find that their lives are moving forward according to the rhythm of Goa&rsquo;s nature. From proportional layouts, allowance of natural light to keeping the surroundings cool with mature trees, every element is optimized for a comfortable experience in Goa. Subsequently, our human-centred architecture comes with close-knit communities and dedicated concierge services, making them more personalized and full of tranquillity.
Final Thoughts
The future of luxury villas is not about randomly putting big spaces or imported fabrics just for aesthetics. It would be more about how an owner experiences opulence, even before touching any material. And this paradigm shift is not a mere trend.
As luxury continues to evolve, the homes that leave an impactful notion may not be the loudest, but the most thoughtfully composed. They result in a balanced ecosystem where architecture, landscape, and human lifestyle grow in effortless harmony.

Luxury Without Excess: Why Understated Design Is Defining the Next Generation of Homes

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Credit Card Against FD: Full Guide for First-Time Applicants

Credit Card Against FD: Full Guide for First-Time Applicants

Why a Philips Home Theatre Is the Smartest Audio Upgrade for Indian Homes in 2026

India Takes Centre Stage in Russia: Shobhita Thakur’s KHILAWADI Set to Show a Powerful Story at Prestigious Kazan Premiere

Krishan Rattan of Terra Invest on Tennis, Competition and Why Sport Still Shapes the Way He Invests

Luxury Without Excess: Why Understated Design Is Defining the Next Generation of Homes