Stocks surpass Mutual Funds as the preferred investment option among Gen Z by 39%

Nearly 4 in 5 individuals save money to invest for future financial security

November 11, 2024, Mumbai, India: In a recently released report Fin One: Young Indians’ Saving Habits Outlook 2024, shedding light on the evolving financial behaviors of Millennials and Gen Z across India, released by Fin One, a digital-first initiative by Angel One Limited. The data for the report was compiled by leading research firm, Nielsen. The report reveals that 93% of young adults are consistent savers, with majority saving 20-30% of their monthly income. Additionally, stocks have emerged as the preferred investment choice, with 45% of respondents favoring them over more traditional options such as fixed deposits or gold.

The report draws data from 1600+ young Indians in more than 13 Indian cities, benchmarking four key areas: saving behavior, investment preferences, financial literacy and the use of technology and financial tools. This first report on saving habits from Fin One also highlights significant regional variations in saving practices.

The report further emphasizes the role of digital platforms and technology, noting that 68% of respondents regularly use automated savings tools, underscoring the growing impact of fintech on the financial habits of India's younger generation.

Key insights from the report include:

Consistent Savings Practices:

A remarkable 93% of respondents identify as consistent savers, with the majority setting aside 20-30% of their monthly income for future financial goals. This reflects a growing culture of financial discipline, especially in the 22-25 age group, as young adults start their financial journey.

Investment Preferences:

58% of young Indian investors currently invest in stocks, while 39% favor mutual funds. Safer options like fixed deposits (22%) and recurring deposits (26%) see relatively lower adoption. This indicates a balanced approach between high returns and stable savings among the youth.

72% of 18-21-year-olds prefer stocks over other options like Fixed Deposits, Mutual Funds and Gold.

With 62%, YouTube is a primary source of education for savings and financial planning among those surveyed. Family and friends remain the secondary source of financial education for 52% of youth, surpassing popular finance influencers.

Barriers to Savings:

Despite disciplined saving habits, 85% of young Indians cite the high cost of living—particularly food, utilities and transportation—as the most significant barrier to saving. This indicates rising living costs are a critical challenge for India’s youth.

 

Technology:

68% of respondents use automated savings features and mobile apps to manage their finances.

Financial Literacy:

71% of respondents consider themselves proficient in financial literacy.

 

“As India’s youth increasingly turn to the internet for financial guidance, we are witnessing a growing appetite for financial awareness and education among Millennials and Gen Z. YouTube has become central to this shift, with over 62% of young investors relying on it as a primary source of financial learning. In today’s digital age, with rising cyber threats and evolving financial landscapes, it is more important than ever for young adults to build a strong foundation in financial literacy. Saving and investing are not only essential life skills but also key opportunities for long-term wealth creation. At Fin One, we are committed to empowering India’s younger generation with the knowledge and tools they need to make informed financial decisions and secure their financial future.” added Paarth Dhar, Vice President, Angel One.

This survey reaffirms the growing importance of financial literacy, disciplined saving and the use of technology among India’s young population. Angel One remains committed to driving financial empowerment in India through its innovative solutions and educational initiatives.

Fin One, an initiative by Angel One, focuses on enhancing financial awareness in India, especially among youth and rural communities. It delivers educational content in regional languages and promotes responsible financial practices. Fin One aims to foster financial inclusion and awareness across the nation. This initiative is not just about imparting knowledge; it's about shaping a financially savvy generation poised to navigate the complexities of the modern financial world with confidence.

Angel One Limited, (NSE: ANGELONE, BSE: 543235) is the largest listed retail stock broking house in India, in terms of active clients on NSE. Angel One is a technology-led financial services company, providing broking and advisory services, margin funding and distribution of third-party financial products to its clients. The broking and allied services are offered through online and digital platforms to clients acquired directly and through assisted business.

A Customizable Eyewear Collection for Kids, Designed for Comfort and Myopia Control

Lenskart introduces Hooper Creatr, a new collection that allows kids to express their creativity and style through fully customizable eyewear. Designed specifically for young adventurers, Hooper Creatr transforms wearing glasses into a fun and personalized experience, turning eyewear from a necessity into a canvas for self-expression.

Hooper Creatr offers fully customizable frames, allowing kids the freedom to choose every detail—from adjustable temple tips to changeable nose pads and unbreakable Flexi hinges—ensuring both comfort and durability for active children. The soft, cushioned nose pads provide a snug, mark-free fit for all-day wear, making the frames both practical and fun.

What makes the collection truly unique is its thoughtful design, which goes beyond aesthetics to support vision health. As myopia in children becomes an increasing concern, these frames are specifically designed to accommodate myopia-control lenses, ensuring that kids’ eye health is a priority without compromising on style. The correct adjustment of the temples and nose pads plays a crucial role in managing myopia over time, making Hooper Creatr a blend of fashion, function, and long-term eye care.

Available in a variety of shapes, including rectangles, rounds, and geometric designs, and crafted in both plastic and metal fronts, Hooper Creatr offers options for every child’s unique personality and fit.

Peyush Bansal, Founder &CEO of Lenskart, shared his personal connection to the project:

“As a parent, I know how important it is to make eyewear both practical and enjoyable for kids. Hooper Creatr is a project very close to my heart because it’s not just about vision correction—it’s about giving children the opportunity to express themselves through their glasses. We’ve designed Hooper Creatr to grow with kids, ensuring that their frames are not only comfortable today but also supportive of their eye health in the long run as they manage myopia.”

Hooper Creatr is now available across all Lenskart stores in India and online via the Lenskart website.

Established in 2010, Lenskart is a tech-enabled startup that has emerged as India's premier eyewear brand. In just thirteen years, the brand has transformed the eyewear landscape in India with its unique blend of high fashion, value-driven offerings, and an omni-channel business approach. Lenskart currently distributes over 10 million eyewear pairs annually, with an impressive 40 million app downloads. The brand's expansive network encompasses approximately 500 home eye test representatives and 2,000 brick-and-mortar stores spanning India, Singapore, Japan, Thailand, Taiwan, and the Middle East. Renowned for its facial-analysis-driven eyewear recommendations and unparalleled omni-channel customer experience, Lenskart leverages its vertically integrated supply chain technology to deliver quality, fashionable eyewear at highly competitive prices. Achieving an astonishing 60%+ year-on-year growth in 2023, Lenskart is poised for a further expansion of over 50% in 2024.

(Promotional Feature)

Dakshayani, a 4-year-old student shines in NASA’s Space Place Art Challenge

4-year-old Preschooler’s Artwork Inspired by ASTHROS Mission to Antarctica

Dakshayani, a 4-year-old student from the Footprints preschool and daycare chain and provider of early education and childcare services recently participated in NASA's Space Place Art Challenge for August 2024, where she created a captivating painting inspired by the ASTHROS team’s upcoming journey to Antarctica. The ASTHROS team plans to launch a high-altitude balloon equipped with a telescope to study cosmic phenomena, igniting the imaginations of young minds around the world.

In her artwork, Dakshayani brilliantly illustrated the essence of space exploration, blending the mysteries of the cosmos with her unique interpretation of the hot air balloon that will carry ASTHROS's telescope into the stratosphere. Her participation underscores Footprints' commitment to encouraging a nurturing and enriching environment where children can explore, create, and dream big.

Raj Singhal, Co-founder & CEO of Footprints, expressed his pride, saying, "At Footprints, we believe in nurturing curiosity and encouraging young children to think beyond boundaries. Dakshayani’s achievement is a testament to children's creativity and enthusiasm when given the right support and inspiration. Her artwork reflects her love for art and her understanding of space, which we are immensely proud to support."

NASA’s Space Place Art Challenge encourages young artists to engage with space science by submitting original artwork based on a monthly theme inspired by real-world space missions and phenomena. Designed to fuel curiosity and creativity, this interactive challenge invites children to explore the wonders of the cosmos through artistic expression, making complex concepts like space missions, asteroids, and distant galaxies more accessible and exciting for young minds. 

Footprints is a distinguished preschool and daycare chain founded and operated by alumni from prestigious institutions like IIT and IIM. It is dedicated to providing high-quality early education and childcare services. With a deep understanding of the challenges faced by parents in balancing their busy lives with active participation in their child's growth journey, Footprints integrates advanced technology through the Footprints ParentConnect App and is loved by more than 39000 parents. 

New Perspectives on Couples' preferences in - How India Travels for Honeymoon’ Report

Thailand surpasses Maldives as the top international honeymoon destination; Indonesia, Mauritius, and Vietnam also gain share

Japan, Scandinavia and the US top the list for long-haul international honeymoon packages that have seen maximum growth in bookings

The Andamans overtake Kerala to claim the top spot for domestic honeymoons; Kashmir rises to third place; Goa and Himachal Pradesh complete the top five

A honeymoon is unlike any other travel experience — it marks a couple’s first trip together as newlyweds, making it a deeply personal and memorable milestone. Newlyweds don’t just seek a vacation; they want to create unique, meaningful experiences that will create lasting memories. Whether relaxing on exotic beaches or exploring serene hill stations, Indian honeymooners' preferences are as diverse as the regions they come from.

But where exactly are Indian couples headed for their honeymoons, and what are the experiences they are seeking? MakeMyTrip’s latest report, ‘How India Travels for Honeymoon’, analyses booking data from October 2023 to September 2024, compared to the same period in the preceding year, offering interesting insights into the evolving travel preferences, trends, and behaviours of couples embarking on this special journey.

Rajesh Magow, Co-founder and Group CEO of MakeMyTrip, said “As the wedding season in India approaches, the spotlight turns to honeymoon travel—where couples look to craft a truly special, once-in-a-lifetime experience. For the first time, we are sharing unique insights into the distinct booking patterns that set honeymoon travel apart from leisure trips. Our aim is to provide a deeper understanding that will allow us—and the broader travel and wedding ecosystem—to create experiences that are not only romantic and memorable but also aligned with the evolving preferences of today's honeymooners. As couples increasingly seek personalized experiences, luxury, and unexplored destinations, we remain dedicated to delivering a variety of choices and travel planning experience for honeymooners.”

Beach Destinations Reign Supreme for Honeymooners

On the international front, Thailand tops the list of favourite honeymoon destinations for Indian couples, recording the highest share of honeymoon package bookings in 2023-24 on MakeMyTrip. Thailand increased its booking share by an impressive 5.2% year-on-year (YoY), surpassing Maldives, which led the rankings last year. Maldives saw a 16.2% YoY decline in honeymoon package bookings while all other top five international destinations – Indonesia, Mauritius, and Vietnam – gained share this year.

On the domestic front, the Andamans replaced Kerala as the most booked honeymoon destination, increasing its share of honeymoon package bookings by 6.9% YoY. Kashmir, which gained 3.6% in bookings, moved to third place. The number of bookings for Goa remained the same as last year while Himachal Pradesh saw a decline of 4% in honeymoon package bookings. The North-East, Uttarakhand and Maharashtra also drew attention from Indian couples seeking domestic honeymoon destinations.

Indian Couples Travelling Far and Wide to Make Their First Trip Together Special

There is an increasing appeal for new and diverse destinations among Indian honeymooners. While international destinations such as Bhutan, Azerbaijan, Malaysia, Sri Lanka, and Seychelles have seen a significant YoY growth in honeymoon package bookings, this trend was not just limited to short haul destinations. Long-haul destinations also featured prominently in the honeymoon travel plans of Indian couples. Easy visa destination Japan witnessed the highest YoY growth of 388% in honeymoon package bookings. Other long-haul destinations that have seen maximum growth for honeymoon package bookings include Scandinavia, the United States, South Africa, and Australia and New Zealand.

Honeymooners increasingly opt for Longer, Luxurious and Multi-City Adventures

Couples are willing to spend extra for luxury and indulgence during their honeymoon. The average spending per couple has increased by 13% YoY. Notably, 68% of newlyweds chose 4-star or 5-star properties for their stay. 1 in every 5 honeymoon package bookings were for a 5-star property between 2023-24, reflecting a 10% YoY growth.

There is also a growing trend of couples exploring multiple destinations within the same trip. On the domestic front, the share of couples visiting four or more cities increased from 35% in 2022-23 to 39% in 2023-24. Internationally, while more than half of honeymooners still prefer single-city itineraries, the share of couples opting for two or more cities rose from 32% to 47%.

In terms of travel duration, 78% of domestic honeymooners booked packages for up to 5 days in 2023-24, in line with the booking trends for the previous year. However, for international travellers, the percentage of couples booking a honeymoon package of more than 5 days increased from 34% in 2022-23 to 42% in 2023-24, reflecting a trend toward longer honeymoons. This shift also aligns with the increase in preference among couples to travel to multiple cities.

Premium Honeymoon Packages Soar

Metro cities like Delhi, Mumbai, and Bangalore are driving the demand for premium honeymoon packages, contributing to more than two-thirds of all honeymoon package bookings. However, cities such as Hyderabad, Kolkata, Chennai, Ahmedabad, and Pune are also seeing a notable shift from budget to premium travel.

Curated Romantic Honeymoon Experiences Drive Demand

The demand for personalized, romantic experiences is stronger than ever. Honeymoon package bookings have grown by 25% YoY, pointing towards a trend of couples wanting an end-to-end curated experience. More than 95% of honeymoon package bookings this year included curated experiences/activities. As a result, MakeMyTrip saw a 56% growth in bookings of premium romantic activities such as couples' photoshoots, romantic dining, cruises (sunset/dinner/catamaran), couples' spa sessions, and floating breakfasts.

Last-Minute Bookings Still Common Among Honeymooners

Indian couples booked their honeymoons closer to their departure dates, with 56% of domestic packages and 38% of international packages being booked within 30 days of travel. This pattern is in line with the overall travel behaviour of Indian travellers, who tend to book closer to the departure date. Interestingly, 31% of international honeymooners booked more than two months in advance, compared to 18% for domestic trips.

MakeMyTrip’s latest report offers a comprehensive view of honeymoon travel trends in India. As couples continue to prioritize luxury, personalized experiences, and explore new destinations, MakeMyTrip remains committed to curating packages that cater to every couple’s dream getaway.

Simple and Easy Ways to Improve Your Office Working Environment

Improving your office working environment can lead to increased productivity, enhanced job satisfaction, and a healthier work-life balance. Here are some effective ways to enhance your office environment:

1. Enhance Lighting and Ventilation

 Natural Light: Natural light can boost mood and energy levels. Try to situate desks near windows or areas with abundant natural light.

 Task Lighting: Provide desk lamps or adjustable lighting to reduce strain.

 Ventilation: Good airflow is essential. If possible, use air purifiers and ensure the space is well-ventilated.

2. Ergonomic Furniture and Layout

 Ergonomic Chairs and Desks: Invest in ergonomic chairs and adjustable desks to prevent strain and fatigue.

 Personal Space: Arrange desks to allow some degree of personal space, reducing noise and visual distractions.

 Standing Desks: Alternating between sitting and standing can reduce physical strain and improve posture.

3. Incorporate Biophilic Design

 Plants: Bringing in plants can improve air quality and create a calming atmosphere.

Consider easy-to-care-for plants like snake plants or succulents.

 Natural Materials: Use furniture or accents with wood, stone, or natural textures to create a relaxing, nature-inspired setting.

4. Encourage Personalized Workspaces

 Allow employees to add personal items (like photos or small décor) to their workspace, fostering a sense of belonging and comfort.

5. Create Collaborative and Quiet Spaces

 Meeting Rooms and Breakout Areas: Designate spaces for collaboration and brainstorming. This keeps the main work area quieter and promotes focused work.

 Quiet Zones: Set up soundproofed rooms or quiet areas for tasks that require

concentration.

6. Improve Technology and Connectivity

 Fast Internet and Updated Equipment: Having reliable technology reduces frustration and allows for a more efficient workflow.

 Meeting and Conference Tools: Ensure that conference rooms are equipped with video conferencing and screen-sharing tools for seamless collaboration.

7. Promote Healthy Habits and Wellness Programs

 Breaks and Movement: Encourage regular breaks and physical movement to reduce stress.

 Healthier Snacks: Offer healthy snack options in the kitchen or break room to support better nutrition.

 Onsite Fitness or Wellness Programs: Providing access to wellness programs like yoga sessions or gym facilities can enhance mental and physical well-being.

8. Encourage Open Communication

 Feedback Channels: Regularly collect employee feedback to understand their needs and concerns, and implement changes when possible.

 Positive Team Culture: Foster a culture where team members feel comfortable expressing themselves and sharing ideas.

9. Use Soothing Colors and Decor

 Color Psychology: Choose colors like green or blue, which are known to promote calmness and focus.

 Minimalist Décor: Keep the space uncluttered and visually appealing with clean lines and simple decor.

10. Celebrate Achievements and Show Appreciation

 Recognizing achievements and expressing gratitude can boost morale. Celebrate milestones and small wins to foster a positive, motivated environment.

A thoughtful combination of these strategies can lead to a more enjoyable, supportive, and efficient office environment.

BY: Pankaj Bansal , Founder at NewsPatrolling.com

Roundtable on Education for Gender Equity for creating a Universe with gender equity

 Sandeep Hooda, Dr. Mahesh Prasad, Rita Singh, Rukmini Banerji

With the objective of creating an Equiverse- a Universe where gender equity is the norm, TalentNomics India and KAS SOPAS, convene key stakeholders to discuss the transformative role education can play to build Gender Equity in South Asia with its discussion centered on "Education for Gender Equity" at the India Habitat Centre, New Delhi, on Thursday, November 7th. The day-long event brought together a diverse group of stakeholders from the education, gender, and policy sectors, focusing on identifying key changes needed in our education system to promote gender equitable mindset and skill set in students in South Asia. 

The event focused on creating a more inclusive education ecosystem at all levels, from primary schools to higher education. Discussions acknowledged the progress made in mitigating gender bias in the education institutions, but also discussed the current practices that still exist leading to persistence of gender stereotypes in the thinking of both boys and girls.  The experts recommended key actions that can be taken by the educational institutions, the government, school leaders and the industry, both independently and in collaboration with each other to drive this change. 

Opening the event, Ipsita Kathuria, Founder and CEO of TalentNomics India, set the tone with her inspiring remarks, highlighting the urgency for this change and calling for a collective effort to transform the educational landscape. Paul Linnarz, Head of KAS Country Office in Japan, also welcomed the participants and further highlighting the importance of global collaboration in addressing gender disparity in education. Their leadership and vision framed the  dynamic series of sessions throughout the day. 

Ratna Viswanathan, CEO of Reach to Teach India in her keynote speech, iterated the importance of education for South Asia to leverage its demographic dividend. She stressed on the vital role education plays in addressing the inequities in homes, at workplaces and societies. She emphasised the fact we should just not focus on universal education and equity in enrolment but also on enhancing learning outcomes and quality of education. Another critical area that needs to be addressed is the “hidden gender inequities” in the educational content via textbooks and curriculum. She mentioned that “education is a supply chain” and we need to address all components of the system by simultaneously addressing various barriers.  

The first panel discussion was on Promoting Equity in Primary Education, moderated by Sandeep Hooda, Co-Founder of Vega Schools, presented powerful insights. Dr. Rukmini Banerji, CEO of Pratham Education Foundation, presented findings from the ASER annual survey, suggesting that while learning outcomes between boys and girls are fairly balanced at school levels, access to learning resources, technology and attendance remains a crucial metric of gender inequity. Rita Singh, CEO of ARISE, Bihar Chapter, gave examples of many schemes introduced to encourage girls to access and advance in school education. She also shared firsthand stories of the challenges faced by school principals and stressed the importance of continuous training to overcome these barriers. Dr. Mahesh Prasad, Principal of Step by Step School in Noida, spoke about embedding equity through sports and curriculum reform, along with leveraging the potential of AI in addressing educational gaps. 

Another major highlight of the day was keynote by Dr. Avantika Tomar, Partner at EY-Parthenon and Guest Faculty at IIM Calcutta. She shared personal anecdotes to highlight gender inequities in sports, engineering colleges, and consulting firms. She presented compelling data on literacy rates and female labor force participation, noting that while India surpasses global averages in gender equity in enrolment, a significant gender gap persists in the workforce, suggesting that young girls are set up for success but face systemic barriers as they progress. Using data, Dr. Tomar illustrated the “leaky pipeline” from education to workforce: while female net enrolments in secondary education stands at 61%, only 25% of STEM students in higher education are women, and just 10-14% reach C-suite positions in STEM fields. She emphasized the urgent need for an enabling ecosystem—one that includes supportive family structures, societal encouragement, and gender-sensitive policies in schools and colleges—to sustain and uplift women’s journeys from education into impactful careers.  

The second panel discussion of the day - Promoting Equity in Higher Education & STEM, moderated by Dr. Rajat Kathuria, Professor of Economics and Dean, School of Humanities & Social Sciences at Shiv Nadar University. This session brought forward a comprehensive discussion on increasing women’s participation in higher education and STEM fields. Among the distinguished panellists were Dr. Rubana Huq, Vice-Chancellor of the Asian University for Women, Bangladesh, who shared the impactful work being done by her institution to support underserved women, including those from Afghanistan, the Rohingya refugee community, and marginalized workers in the garment industry, to help them participate in the workforce in a meaningful way and drive social change. Amanat Boparai, Senior Policy Enforcement Manager at Google, spoke about initiatives such as “Girls Who Code” and scholarships for women in STEM that are breaking down barriers in the field. Yet barriers persist for women to join STEM fields especially in the traditional engineering and futurist technology areas. Srikant Sastri, Chairman of the GDPDC, progress made in women’s participation in education and emphasized the need for measurable frameworks to increase female participation in selected STEM fields. 

As the day's focus shifted to bridging the transition from education to the workforce, the third panel discussion commenced. Moderated by Lata Singh, Partner at IBM Consulting, the discussion explored how stereotypes continue to hinder women’s career progression and how these barriers can be overcome through mentorship, continuous learning, and resilience. 

The panelists included Vasanthi Srinivasan, Professor at IIM Bangalore, Anuradha Das Mathur, Founder and Dean of Vedica Scholars, and Dr. Anushila Chatterjee, Chief Impact Officer at Vigyanshaala International. Vasanthi Srinivasan highlighted that while families are beginning to value educational and job identities, women's career identities still need broader recognition. She spoke about IIM Bangalore's initiatives, such as integrating gender into course curricula and establishing an Office for Diversity and Inclusion to foster a more inclusive environment. Anuradha Das Mathur emphasized the importance of shifting women’s own attitude towards having a career as being non optional as well as their ability to navigate the challenges of world of work.  Dr. Anushila Chatterjee, underscored the importance of learning technology in supporting women’s career choices and skill development. She emphasized the need for women not only to participate in the workforce but also to access leadership roles in high-growth, particularly, emerging fields. 

Dr Khoja, a well known Vastu Consultant & Astrologer in Corporate Circles

Renowned in the field of Vastu and Naadi Astrologer, Dr Khoja is a pioneer name and is practicing Vastu and Naadi astrology for many years. He is an expert in resolving Vastu & Naadi related problems with his own unique modern solutions. Mr. Khoja is a trusted name amongst many celebrities. With so many skills one more feather has been added to his cap.

The man is known to be tinsel-town's desired astrologer- well-known actors, high-profile politicians and corporate houses. His astrological trajectories and accurate predictions have gathered him A-listed clients in Mumbai and abroad. The powerful astrologer has an unmatched USP to automatically understand and identify a client's problem once he visits his client, without them telling him about it.

Dr Khoja is a well-known name whether it is the film industry, a corporate world, or political circles. Ph.D. in Naadi astrology and expertise in Lal Kitab remedies, Ramal(Persian), Face reading, palm reading, numerology, Loshu Grid, Hebrew(Egypt), Kabala(Spanish), Mr. Khoja’s remedies and the perfect calculation for the solution makes him the subject matter expert.

Apart from doing his PhD in Vaastu, Dr Khoja is a renowned Naadi Astrology expert and has proficiency in Lal Kitab Remedies, Face reading, palm reading, numerology, Ramal (Persian), Lo Shu Grid, Kabala (Spanish), Hebrew (Egypt).

In Bollywood, actors change their name or the spelling of their name. Do you think that this definitely brings them luck?
Minor changes either in their homes or in their name have had a huge impact on their success. I try to set out to help them with the solutions. One of the actors was facing a dull phase in his career. After consulting me, he recently bagged a major role. I follow the sophisticated software to fine-tune my calculations so that I can provide the absolute solution to the problems of all my clients. Once the calculations are fine-tuned then other things fall into place accordingly.

Is it also true that you have successfully provided remedies to housewives and husbands in their marriage life?
Yes. Among my clients are several husbands who have succeeded in getting their wives back. There are also quite a few estranged husbands who are now leading very happy lives now after they consulted me when their marriages were breaking.

Is it true that your clients also include those who reside in Kenya and Dubai?
Yes. It is quite true that among my clients are several business tycoons in Kenya and Dubai.

What do you require from your clients when they seek you for consultation?
For consulting in astrology, the patrika or the kundli is not required. I just need the time, date and the city of birth. Simple minor changes have been advised and yielded major positive results.

Can you please give an example?
One aspiring politician who wanted a party ticket to contest the election came to me. Pronto, I set out to provide consultations and finally he also got the ticket.

I do not suggest any major breakdowns in offices or houses, just simple changes of arrangement of things and certain precautions about daily lifestyle.

The skilled Iconic Bollywood celebrity astrologer explains the importance of Vaastu further to our readers. By citing a basic Vastu-related defect, he says, "Most of us don't realise that bad placement of toilets in our bedroom/inside a house may be the root cause of your problem."

Almost 80% of households suffer from this building defect. Ideally, Toilets should lie in ideal zones- preferably outside the house; however, it's practically impossible in today's urban living. Again, with physical renovations facing restrictions/permissions from owners/laws, the only solution is getting a way out with Vaastu remedies that will create an internal lock so that negative energy is locked out. The remedy will help in limiting the negative energies within that spot itself.

People believe that the material that you prescribe as well as your consultation charges are quite exorbitant!

"Though there are quite a few astrologers who advise their clients to buy expensive rings and stones, I prescribe basic material which is not expensive," said Dr Khoja.

Dr Khoja, Astrologer, Vastu Expert is available for consultations: (+91) 9819 869615  / 7416 161603

Website: www.astrovastuwala.com