UNFPA India Advocates For Demographic Resilience At The 46th Conference Of The Indian Association For The Study Of Population

Felicitates the International Union for the Scientific Study of Population for UN Population Award

Keynote by UNFPA India Representative Andrea Wojnar focused on India's demographic dividend and the significance of investing in youth

Felicitation ceremony honoured IUSSP for its pivotal role in advancing global population science

The United Nations Population Fund (UNFPA) India today felicitated the International Union for the Scientific Study of Population (IUSSP) for receiving the prestigious 2025 United Nations Population Award (Institutional Category) for its exemplary contribution in advancing global population science and fostering evidence-based policymaking. The felicitation took place during the 46th Annual Conference of the Indian Association for the Study of Population (IASP), thus setting the stage for critical discussions on India's demographic future.

The UN Population Award, received by IUSSP, whose current President is Dr. Shireen Jejeebhoy, recognizes the organization’s excellence in population research and its role in fostering global collaboration among demographers.

Dr. Shireen Jejeebhoy, President, International Union for the Scientific Study of Population (IUSSP) 2022-2025, said, “It is a great honour for IUSSP to receive the 2025 United Nations Population Award. As Former UNFPA Executive Director Dr. Natalia Kanem noted, the award affirms IUSSP’s role as a global leader in advancing population science. It recognises our contributions to evidence generation, capacity building, and global networks. At a time of complex demographic shifts — from ageing to climate-related mobility — rigorous, independent research is more crucial than ever. IUSSP remains committed to informing policies that uphold rights and advance sustainable development.”

The IASP conference (27-29 November), themed “People, Planet, Prosperity: Demographic Drivers of India’s Inclusive Growth,” focuses on leveraging the country's youth bulge for inclusive and sustainable growth. It is organized by IASP in collaboration with the National Atlas & Thematic Mapping Organisation (NATMO) and the Anthropological Survey of India (AnSI).

The session was graced by Chief Guest: Prof. K. N. Singh, Hon’ble Vice-Chancellor, Central University of South Bihar; Guest of Honour: Shri Vijay Bharti, IAS, Secretary to the Government of West Bengal; and Special Guest: Prof. A. P. Singh, Director General, National Library, Kolkata.

Andrea M. Wojnar, UNFPA India Representative, delivered the keynote address at the inaugural session, focusing on the critical intersection of population dynamics, climate change, and equitable development in India. She said, “India stands at the epicentre of a demographic revolution, home to the world’s largest youth population. India’s path to prosperity depends on turning this demographic advantage into a model for resilient, equitable development. Our felicitation of IUSSP today reflects this same conviction that the power of data, science, and global partnership can ensure every person is counted, every voice is heard, and no one is left behind.”

The conference served as a powerful reminder that addressing the complexities of India’s demographic transition requires a rights-based roadmap that prioritizes reproductive autonomy at the heart of sustainable development and invests in the well-being of its vast youth population. The generation and use of robust demographic data advances population science and helps ensure that national policies are informed by evidence, leading to more equitable and inclusive growth for all in India.

MAHE 33rd Convocation: Innovation, Ethics, And Competencies For An AI-Driven Future 4

4,944 students awarded degrees across three days
170 PhD degrees conferred
10 students honored with Dr. TMA Pai Gold Medal

Manipal Academy of Higher Education (MAHE), Institution of Eminence Deemed to be University, held its 33rd Convocation over three days from November 21–23, 2025, at Manipal. The grand ceremony witnessed the conferment of degrees to 4,944 students, including 170 PhD awardees, while 10 exceptional students were honored with the prestigious Dr. TMA Pai Gold Medal across various disciplines.

The ceremony was attended by senior leadership including Mrs. Vasanti R. Pai, Trustee of MAHE, Pro Chancellor Dr. H. S. Ballal, and Lt. Gen. (Dr.) M. D. Venkatesh, VSM (Retd), Vice Chancellor of MAHE, along with faculty, proud families, and graduating students. A significant highlight of the ceremony was the release of a first-day postal cover commemorating the 90th birthday of Dr. Ramdas M. Pai, Chancellor of MAHE. The release was carried out by Srimathi Vasanti Pai, Trustee, MAHE Trust, alongside Sri Ramesh Prabhu, Superintendent of Post Offices, Udupi Division.

The three-day convocation ceremony featured distinguished chief guests who reflected on the rapidly evolving landscape shaped by artificial intelligence. Their addresses offered guidance on how graduates can navigate this new era with confidence and responsibility. On Day One, Prof. Dr. Ananya Mukherjee, Vice Chancellor of Shiv Nadar University, Delhi-NCR, delivered the convocation address, emphasizing the critical importance of retaining human judgment in an AI-driven world. She observed, “never delegate your judgement. Leverage all the powers of AI and computational techniques to inform decisions, not make them. Do not let go but reserve moral choices for human wisdom,” Her address highlighted the need for graduates to adopt AI as a powerful collaborative tool while ensuring that human values and wisdom remain central to decision-making. The next day’s address further explored how individuals must adapt to remain relevant in an AI-dominated future.

On Day Two, the address by Bikram Singh Bedi, Vice President for Asia Pacific Strategic Initiatives at Google Cloud and a proud MAHE alumnus, further expanded the conversation by shifting focus to the skills and mindset required to thrive in an AI-driven world. With more than three decades of experience in technology, entrepreneurship, and leadership, he noted that the challenges of AI extend well beyond technical knowledge. They are also ethical, social, and deeply human, requiring thoughtful and responsible engagement. He urged graduates to approach innovation with accountability: “Don’t just build or use technology—do it responsibly. Don’t only ask ‘Can we build or use this?’ but also ‘Should we?’ Use your skills not just for personal success, but for the progress of society.”

Building on this focus on human values in an AI-driven world, day three featured the address by Prof. (Dr.) Hany Eteiba, President of the Royal College of Physicians and Surgeons of Glasgow. He emphasized the importance of empathetic communication in a technology-driven world. He reminded graduates that “knowledge and science gain true meaning only when paired with humanity, attentive listening, and genuine connection.” He said that effective communication helps turn knowledge into meaningful care and impact. Dr. Eteiba urged graduates to lead with trust, dignity, and compassion, noting that no success is achieved alone. He envisioned a future where technological progress and human empathy grow together, guided by integrity, respect, and responsibility.

Together, the convocation addresses aligned closely with the transformative vision shared by Lt. Gen. (Dr.) M. D. Venkatesh, VSM (Retd), Vice Chancellor, MAHE. He presented a roadmap for a future shaped by innovation, entrepreneurship, and academic excellence, highlighting the institution’s digital capabilities and sustainable initiatives, including its 32-megawatt solar power facility. He emphasized the institution’s commitment to leading the AI era with foresight and responsibility. He added that the institution’s mission goes far beyond academic achievement. It aims to build a learning ecosystem rooted in compassion, global perspectives, and strong community engagement through research, student initiatives, and technology incubators.

The 33rd Convocation recognized outstanding students with the prestigious Dr. TMA Pai Gold Medal across all three days. Day one gold medalists included Ponnamma M. M. (M.Sc. Medical Biotechnology, MSLS Manipal), Nikita Marina Saldanha (B.Pharm, MCOPS Manipal), Cyril Biji (M.Sc. Biostatistics, PSPH Manipal), and Vindhya S. Badal (B.Sc. Clinical Nutrition & Dietetics, MCHP Manipal). On day two, the awards were presented to Rashi Goel (B. Tech Computer Science and Engineering, MIT Manipal), Neha Sreekumar (B.Sc. Nursing, MCON Manipal), and Mandira (B.A. Media & Communication, MIC Manipal).

Continuing the celebration on day three, gold medalists were Ms. Nidhi S. (ME, Big Data Analytics, MSIS), Ms. Kashika Anil Kini (B. Com Professional), and Ms. Zhara Mohiddin (IPM, Manipal Institute of Management), reflecting the exceptional academic and professional achievements of MAHE’s graduating students. The medalists expressed sincere gratitude for MAHE’s supportive environment, which they said helped turn hard work into achievement. They reflected that this milestone is not just an ending, but the beginning of a new phase of responsibility and service to society.

The 33rd Convocation celebrated the academic excellence and inspiring achievements of MAHE’s graduating class, reinforcing the institution’s commitment to shaping responsible, forward-thinking, and industry-ready leaders for an AI-driven world. The ceremony concluded on an optimistic note, as students, families, and faculty now look forward to the upcoming convocation celebrations at MAHE Bengaluru on November 29–30, 2025.

About Manipal Academy of Higher Education:

The Manipal Academy of Higher Education (MAHE) is an Institution of Eminence Deemed-to-be University. MAHE offers over 400 specializations across the Health Sciences (HS), Management, Law, Humanities & Social Sciences (MLHS), and Technology & Science (T&S) streams through its constituent units at campuses in Manipal, Mangalore, Bengaluru, Jamshedpur, and Dubai. With a remarkable track record in academics, state-of-the-art infrastructure, and significant contributions to research, MAHE has earned recognition and acclaim both nationally and internationally. In October 2020, the Ministry of Education, Government of India, awarded MAHE the prestigious Institution of Eminence status. Currently ranked 3rd in the National Institutional Ranking Framework (NIRF), MAHE is the preferred choice for students seeking a transformative learning experience and enriching campus life.

Eurofragance introduces Olivante®, Its Latest Proprietary Perfumery Ingredient

· An innovative captive ingredient that delivers opulence in fine fragrances, personal care and air care scented products

· Olivante® is made by upcycling discarded olive pulp into a fragrance raw material through a 100% natural process

· It offers a natural alternative for Western and Middle Eastern fragrance consumers seeking richer, more caring experiences

The multinational Eurofragance unveiled its fourth proprietary perfumery ingredient in Dubai at the Beautyworld Middle East trade show on October 27, 2025. The Spanish fragrance house’s latest exclusive raw material brings opulence to fragrance compositions. Opulence in perfumery is about offering consumers fragrances that are rich in terms of their ingredients. Olivante® does so in a manner that is more caring and sustainable.

Delivering opulence in fragrance creations

As a world leader in the design of Middle Eastern fragrances, Eurofragance welcomes Olivante® as a new addition to its palette of ingredients that can deliver opulence in fragrance creations, a sought-after characteristic in perfumes of the Gulf region. Phenolic, animalic notes reminiscent of castoreum are often appreciated in mukhallat-type creations, and Olivante® possesses many of these olfactive properties.

Olivante® is not only destined to a Middle Eastern target; but also, can act as a highlighter of different perfumery ingredients found in other cultures. Mayur Kapse, General Manager India, says: “On its own the natural animalic character of Olivante® is ideal for an Indian target that loves powerful profiles such as shamama. In fragrance compositions that include typical Indian ingredients it works wonders too; a jasmine sambac will smell more fruity and a pink lotus note more leathery.”

Eurofragance Perfumers, who have been formulating with this innovative captive ingredient, state that with the inclusion of Olivante®, fruity notes become richer, gourmand notes more delightful and delectable, and certain white floral notes more intense. Because Olivante® is made from olive residual matter, following oil extraction, it does not have an oily smell.

Belén Garcia, Master Perfumer at Eurofragance who is composing with the raw material says: “In recent years we have seen how consumers in the West have opened up to Middle Eastern perfumery. Powerful notes of leather and oud have gained consumer acceptance well beyond the Gulf Region. Olivante® is multi-faceted and offers some of these olfactive aspects that are now appreciated across geographies.”

Upcycling olive pulp into a perfumery ingredient

Eurofragance developed its fourth proprietary raw material, Olivante®, in line with its sustainability philosophy by partnering with an olive oil industry collaborator who upcycles olive residues into valuable byproducts. R&D Manager Felipe San Juan and Technical Perfumer Magdalena Rey spent months exploring the Spanish countryside to identify the olive variety with the ideal concentration of volatiles and precursors, since different varieties produce distinct odorant residues. Over two years, they worked closely with a waste management engineer from a specific Spanish region to obtain the perfect raw material. Through an eco-friendly, multi-step purification process, Eurofragance transformed this upcycled waste into Olivante®, a 100% natural fragrance ingredient. San Juan emphasizes that terroir and climate are crucial, as Olivante® cannot be made from random olive pulp, and the team’s scientific expertise enabled them to isolate the essential odorant molecules. The ingredient is currently under patent review.

An iconic Mediterranean ingredient

The name Olivante® relates to the Levant, the birthplace of the olive tree, which was spread by Phoenicians westward across the Mediterranean to eventually reach Spain. Today, Eurofragance, the leading Spanish fragrance house, presents Olivante® a perfumery ingredient of Spanish heritage with global consumer appeal.

Sine Guçetil, Global Marketing Director at Eurofragance says the following about Olivante®: “Olivante® stands out for its ability to offer perfume richness, or opulence, in a manner that is fresher and less heavy. And, it’s not just intended for fine fragrances. Our initial trials formulating personal care and home fragrancing products with Olivante® are promising and we feel that this a proprietary ingredient with strong potential for broader market adoption.”

In addition to proposing a new olfactive experience, this natural ingredient is likely to appeal to marketers looking to offer their consumers products with a sustainability story.

Home Credit India’s ‘How India Borrows 7.0’ Reveals Shift From Survival To Success

With Digital Lending And Smart Credit As Catalysts Of Aspiration

Home Credit India, a leading consumer finance company, today released the 7th edition of its flagship annual study, How India Borrows (HIB).The study highlights a profound transformation in the borrowing behavior of India’s lower-middle class, a segment representing nearly two-thirds of the population and often considered the silent drivers of economic growth.

This year’s study shows a marked transformation in borrowing behaviour and attitudes among this segment - from credit as a safety net for necessity to a catalyst for aspiration and self-reliance. Credit is increasingly being used to elevate living standards, invest in entrepreneurial ventures, and achieve long-term financial goals, reflecting their strategic and forward-looking mindset. The study provides in-depth insights into borrowing behaviour, digital adoption, loan decision drivers, financial aspirations and attitudes, revealing how India’s emerging middle class is leveraging smart credit as a tool to fund their aspirations and turn dreams into reality.

HIB 7.0 is structured around four thematic pillars that define the concept of smart credit as a catalyst for growth.

The first, Credit-Aspiration Nexus: Motivation & Mobility, explores how credit acts as a launchpad for fulfilling personal and professional ambitions, empowering borrowers to plan and invest in their future.

The second, Digital Loan Landscape: Channels & Literacy, examines the rapid rise of digital proficiency and the shift toward mobile-first loan applications, reflecting a growing comfort with online financial services.

The third, Decoding Borrower Decisions: Criteria & Trade-offs, highlights the key factors like interest rates and EMI affordability to transparency and lender reputation that shape the modern borrower’s choices.

The fourth, Trust, Transparency, and Emerging Finance delves into concerns around data privacy while capturing the growing adoption of innovative solutions such as embedded finance and EMI cards, signaling a new era of frictionless, integrated credit experiences.

“How India Borrows 7.0 study reflects a shift in India’s credit culture - from borrowing for survival to borrowing for success,” says Ashish Tiwari, Chief Marketing Officer, Home Credit India. “Gen Z, Millennials, women, and smaller cities are leading the digital lending revolution, valuing speed, simplicity, and personalisation. Embedded finance is driving frictionless borrowing, where trust, technology, and value converge to redefine how India borrows. The lower middle class is increasingly strategic in its ambitions, using credit as a bridge to entrepreneurship, homeownership, and education. At Home Credit India, we see them as Prudent Planners and Confident Builders. We are committed to empowering our customers with a transparent financial journey that fuels personal progress, national growth, and financial inclusion, making every borrower’s #ZindagiHit.”

Key Insights from HIB 7.0:

Credit: A Catalyst for Aspiration

HIB 7.0 study reveals a defining shift in the purpose and psychology of borrowing: from need-based to purpose-driven. The findings highlight a dual nature of credit: it continues to democratise access to modern living while increasingly fueling entrepreneurial ambition. The evolving credit mix indicates a maturing borrowing mindset, where borrowers are prioritising productivity, digital access, and lifestyle improvement over basic needs spends.

In 2025, the top reason for borrowing remains the purchase of smartphones and home appliances (46%), showcasing the importance of connectivity and comfort in everyday life. However, a notable 25% of borrowers now seek credit for business expansion or start-ups (up from 21% in 2024), marking a significant rise in enterprise-led borrowing and signalling a confident move toward self-sufficiency and capital formation. Other key categories of borrowing demonstrate targeted financial planning and responsible credit use such as, 12% for Home renovation/construction (vs 15% in 2024), 4% for Education loans (stable YoY), 2% for Marriage loans (vs 5% in 2024), and 4% for Vehicle loans (vs 6% in 2024).

Digital Adoption: Fueling Financial Empowerment

Digital adoption has emerged as a central driver of financial empowerment, marking a decisive shift toward a tech-driven credit ecosystem. Women and youth are emerging as the proactive seekers of Smart Credit, driving digital learning and usage. Metros and rising cities are setting new benchmarks in mobile-first finance, and Digital literacy and trust are becoming the essential enablers for the next phase of India’s credit evolution.

The study finds that 65% of borrowers now use mobile banking, highlighting a growing comfort with digital transactions. Mobile banking adoption is led by metros (71%) and the South region (68%). Among cities, Delhi NCR (83%), Kochi (74%), and Chennai (73%) are clear frontrunners, while emerging markets like Bhopal and Chandigarh at 54%, signalling the need for focused literacy initiatives. Millennials (67%) and Gen Z (64%) are the most active users, reflecting their growing confidence in managing finances digitally.

57% of borrowers shop online, with women (66%) surpassing men (55%), highlighting how digital convenience is empowering women to manage household purchases and finances independently. Gen Z (65%) leads online adoption, followed by Millennials (59%), while Gen X (48%) continues to rely on traditional methods, showing a generational shift in digital comfort. Regionally, the East (70%) leads digital commerce, driven by cities like Kolkata (74%) and Patna (68%), followed by the North (57%), West (53%), and South (51%).

Internet banking usage has climbed to 46%, with Gen Z (51%) and Millennials (49%) leading the charge. Cities such as Chennai (59%) and Delhi NCR (53%) record the highest usage, reflecting strong digital trust and maturity. Interestingly, major financial hubs like Mumbai (39%) and Bengaluru (39%) lag, indicating that infrastructure alone does not guarantee adoption, consumer habits and trust play equally critical roles.

While digital penetration is deep, financial literacy remains the next big priority. Over 57% of consumers express interest in learning financial skills from reputed organisations, with women (66%) and Gen Z (65%) showing the strongest enthusiasm. This reflects a growing realisation that financial empowerment depends not just on access, but also on awareness. Regionally, the East (70%), led by Kolkata (74%), again stands out for its proactive learning mindset. Metros and Tier-1 cities also saw a sharp rise by 27 and 21 points respectively, indicating growing consumer intent to strengthen financial confidence alongside digital capability.

Informed Borrowing: Balancing Affordability, Trust, and Value

The study highlights that modern borrowers are becoming more analytical, value-conscious, and trust-driven. Borrowing decisions today reflect a fine balance between affordability, speed, and credibility. Before taking a loan, nearly half (46%) assess EMI feasibility, while 33% consult friends or family, and 31% review their credit scores. Interest rates and total repayment value (46%), quick disbursal (38%), and flexible closure options (37%) remain the top product considerations.

Trust continues to be the cornerstone of credit decisions. Two-thirds (66%) of borrowers prefer credible lenders even at higher EMIs — a sentiment strongest among Millennials, metro and Tier 1 audiences. Interest rate sensitivity is led by Millennials (48%), while men (46%) prioritize EMI affordability and women (46%) rely more on personal advice. Millennials (47%) and Gen X (46%) remain slightly more affordability-driven than Gen Z (43%).

Regional patterns add further nuance. Borrowers in North, West, and East India place greater emphasis on EMI feasibility (49–54%), whereas those in the South focus more on credit scores (50%) and service quality. EMI awareness is highest in Bhopal (63%), Kolkata (57%), and Patna (49%), while reliance on personal networks dominates in Chennai (67%) and Bengaluru (57%). Credit score awareness peaks in Bengaluru (70%) and Chennai (60%), with lender reputation valued most in Chennai (54%), Mumbai (37%), and Lucknow (37%).

Digital Loan Journey: India’s Shift to Click-First Credit

The study reveals a decisive shift toward digital-first borrowing, driven by convenience, transparency, and accessibility, positioning online lending as the dominant channel for India’s credit future. In 2025, 51% of borrowers preferred taking loans online, marking a 10 percentage-point increase from last year and surpassing POS and bank visits (30%) as the primary mode of borrowing. This trend is strongest among Millennials (54%) and Gen Z (50%), underscoring the comfort and confidence of younger, tech-savvy consumers in navigating digital credit journeys.

Tier 1 cities are now leading India’s digital borrowing wave, signalling the rapid penetration of technology beyond metros. North India leads overall with 59% of borrowers opting for online channels, followed closely by the West, where Pune and Ludhiana each record 64% digital uptake. Chandigarh (42%), Bengaluru (41%), and Ahmedabad (41%) emerge as the top digital-loan cities, while Mumbai (22%), Lucknow (27%), and Jaipur (27%) show slower adoption.

Emerging Lending: The Rise of Embedded Finance and Contextual Credit

Embedded finance and EMI cards are redefining India’s lending ecosystem, making credit more contextual and frictionless. Nearly half (49%) of borrowers show interest in embedded finance solutions integrated within digital ecosystems, an adoption trend led by Gen Z (58%), women (51%), and metro audiences seeking speed, convenience, and seamless integration with e-commerce and lifestyle platforms.

Metro cities (50%) and Tier 2 towns (43%) have seen a notable rise in interest (up 14 and 8 percentage points respectively), showcasing the widening reach of embedded lending. The South zone leads this growth, up 32 points to 49%, with Chennai (55%), Bengaluru (52%), and Hyderabad (50%) topping adoption charts. In the North, Chandigarh (55%) and Lucknow (53%) dominate despite a marginal dip in the latter. The East continues steady progress, led by Ranchi (53%), Patna (51%), and Kolkata (49%), while in the West, Pune (49%), Mumbai (47%), and Ahmedabad (45%) maintain strong interest levels.

EMI cards remain the most widely used lending instrument, preferred by 65% of borrowers, marking a 22-basis-point rise year-on-year.

Credit as an Enabler: From Borrowing for Survival to Borrowing for Success

The most common near-term purposes for borrowing are starting or expanding a business (34%) and buying a home (28%), highlighting India’s dual ambition of economic mobility and home ownership

Men (35%) are more focused on business expansion, while women (33%) prioritise home buying. Gen Z emerges as the most aspirational cohort, with 35% trying to start a business along with 32% aiming to buy a home. In terms of aiming at home ownership, Gen Z is ahead of both Millennials and Gen X. Metros (32%) show higher intent for home ownership, whereas Tier 1 cities (37%) lean toward entrepreneurship. East India (44%) leads in entrepreneurial ambition, especially Patna (52%) and Ranchi (47%). Among metros, Delhi NCR (37%) stands out for home-buying intent, while Jaipur (42%) and Bengaluru (41%) reflect higher debt caution. Secondary goals include children’s education (13%) and home renovation (11%), while discretionary purposes such as international travel (1%), purchasing 4 wheelers (6%) and 2 wheelers (4%) and lifestyle upgrades (2%) remain limited, reflecting a pragmatic borrowing mindset.

Encouragingly, the perception of credit as a tool of empowerment continues to grow. 51% of respondents say loans have helped them achieve goals otherwise out of reach, with the sentiment strongest in Tier 2 towns (54%) and cities such as Ludhiana (58%), Bhopal (56%), Dehradun (56%), Jaipur (55%), and Patna (52%). Two-thirds (65%) view loans as a stepping stone to major life goals such as education, housing, and entrepreneurship, led by Gen Z (68%) and Tier 1 cities (67%), with Mumbai (70%) topping metros. However, women (42%) are more debt-averse than men (35%), indicating greater financial caution.

Data Privacy: The Transparency Mandate and the Awareness Gap

Data privacy emerges as a crucial concern amid growing digital adoption. 23% of respondents fully understand data privacy rules, a 10-percentage point rise from last year, while 78% have only partial or no awareness of how lending companies handle their data. Cities such as Ludhiana, Bengaluru, Ranchi, Kochi, and Hyderabad emerge as leading hubs for heightened privacy expectations.

The study surveyed borrowers aged 18–55 years across 17 major cities (Tier 1 & 2), covering diverse income groups and professions. The sample comprised predominantly males, with an average age of 33 years and an average monthly income of ₹34,000.

Klook Reveals The Rise Of “Cool”cations This Year-End

This Winter, Indian Travellers Want to "Chill Out"

Klook data highlights the rise of the “Cool’cation”, as Indian travellers seek snowy adventures, festive cityscapes, and unique experiences for their year-end break

The holiday spirit is high, and this year, Indian travellers are redefining the year-end vacation. According to new insights from Asia Pacific’s leading pan-regional experiences platform, Klook, more travellers are seeking “cool’cations” — escapes that offer cooler climates or socially vibrant experiences— to wrap up the year.

The trend reflects a growing appetite among new-age Indian travellers for destinations that go beyond conventional holidays. From snowy winter landscapes with adventure activities to tropical retreats with unique celebrations, these journeys combine relaxation, family time, and memorable experiences.

"We're seeing a clear shift in traveller preferences," said Shivam Tyagi, Head of Marketing, Klook India and Middle East. "The new Indian traveller wants more than just a break; they want an experience. They're heading towards snowy winter destinations to 'cool down' in style or diving into the heart of celebrations to unwind with family. It's about finding that 'wow' factor to kick off the New Year."

From the Ski-ready peaks of Switzerland or the powdery slopes of Japan, combined with local cultural experiences, finding Dubai, with its extravagant year-end festivals and world-class New Year celebrations, to a refreshing change of scenery, mist-covered rice terraces in Vietnam for an end-of-year escape.

As Indians finalise their Christmas and New Year plans, the message is clear: 2025 is all about ringing in the new year in the coolest way possible.
Climatically Cool - Winter Escapes for the Year-End

As the year draws to a close, travellers are wrapping up their year amid crisp air, snowfall, and festive lights. The year-end period signals peak time for winter sports like skiing and snowboarding in snow-blanketed destinations.

It’s also the most inviting time to explore regions where winter brings pleasant temperatures, indoor ski slopes, ice rinks, dazzling festive markets, and light displays. For many travellers, it’s the perfect season to experience these cities at their most vibrant, where the weather feels just right for adventure, exploration, and festive celebrations.

Where It’s Cold To Be: Klook Users’ Top 3 Year-End Hotspots

● Japan (link)

Japan continues to top Indian travellers’ lists this winter, drawing visitors to its iconic onsen towns and enchanting snow festivals. From Hokkaido’s world-famous ice sculptures to Nagano’s powdery slopes, and Kyoto’s illuminated winter gardens, Indian travellers are embracing Japan’s mix of tradition and adventure, with browsing sessions surging (up 133% in winter tours and 96% in ski-activities YoY*) With hot springs, gourmet winter bites, and vibrant seasonal events, Japan offers a truly immersive winter escape.

● Switzerland (link)

The quintessential winter destination known for its dramatic alpine landscapes and picturesque mountain towns. Classic alpine holiday, Travelers are drawn to its exceptional ski slopes, festive Christmas markets, and cozy chalets tucked amid snow-laden peaks. With each snowfall, Switzerland transforms into a timeless postcard of European winter elegance. Cosy chalets, Storybook Christmas Markets, The Swiss Travel Pass is a top favourite of Indian travelers eager to explore multiple regions across Switzerland’s most scenic train routes

● South Korea (link)

South Korea is a rising favorite for Indian travelers seeking both excitement and comfort this season. Its world-class ski resorts, winter theme parks, and steaming Korean stews create the perfect blend of thrill and warmth. Its popularity is reflected in a 109% year-on-year increase in ski-tour sessions from Indian travellers. Beyond the cities, snow-capped temples, scenic islands, and national parks showcase the country’s serene winter beauty especially for younger travellers.

* Based on Klook’s internal data comparing Q3 2024 and Q3 2025

To celebrate the season, Klook is offering exclusive ski deals, including up to 50% off ski tours, and early winter deals like flat INR2000 off for early birds in its Winter Wonderlands Campaign, perfect for families, couples, and first-timers ready to embrace the chill.
Cool-er in the Tropics

For Indian travelers who chose to stay within the region’s tropical warmth this year-end, it’s about finding cool-er ways to explore.

Klook data shows a growing interest in experiences that offer escape from the heat — from river cruises in Singapore and Thailand, to adventures in nature like waterfall day tours and canyoneering in Indonesia and the Philippines.

Night activities are also gaining popularity. From exploring historic palaces after dark — perfect for history lovers who prefer slow strolls in the cool evening air — to joining locally guided night tours or glamping under the stars, travelers are discovering new ways to experience destinations after sundown to beat the heat.

And for those dreaming of a true winter scene without leaving Southeast Asia, there is a place that offers just that — Sapa, Vietnam. This charming mountain town north of Hanoi is known for its terraced rice fields and peaceful atmosphere. It transforms between December and February into a mist-shrouded winter wonderland, occasionally blanketed in velvety snow. Definitely a rare sight in Southeast Asia.
Socially Cool

“Cool” isn’t just about the climate, but it can be about the vibe too. More and more Klook Indian users are redefining what is ‘cool’. Beyond winter destinations, they are on a search to uncover hip, authentic destinations that blend culture, community and experiences that feel authentic, inspiring and slightly off the beaten path. And for travelers who make the extra effort, the reward is what we call the “socially cool” factor — the satisfaction of discovering a place before everyone else does.

Where It’s Cool To Be: Klook Users’ Top 3 Year-End Hotspots

*Year-on-year comparison: Q3 2024 versus Q3 2025

● Da Lat, Vietnam (+280% sessions year-on-year)
Perched in Vietnam’s Central Highlands, Da Lat charms travelers with its pine forests, flower gardens, and misty mountain air. A blend of French villas, waterfalls, and local coffee culture gives this “City of Eternal Spring” its timeless allure.

○ Zip through the lush forest of Datanla on the longest coaster trail in Asia (link)

○ Join the Dalat Flower Festival in December (link)

○ Bask in the glow of dawn and snuggle under the blanket of clouds (link)

● Chiang Rai, Thailand (+241% sessions year-on-year)
Northern Thailand’s hidden gem, Chiang Rai captivates with its surreal temples — white, blue, and black — each a masterpiece of local artistry. Beyond the city, tea plantations and mountain views make it a serene yet culturally rich escape.

○ Visit a local market, pick fresh ingredients, and cook like a local (link)

○ Master the art of Muay Thai where it all began (link)

○ Pick the temple tour that fits best (link)

● Bali, Indonesia (+354% sessions year-on-year)
A tropical island where spirituality meets surf culture, Bali captivates with its lush rice terraces, ancient temples, and golden beaches. The island’s vibrant energy flows from the bustling streets of Seminyak to the serene cliffs of Uluwatu, while Ubud’s jungles and wellness retreats offer moments of calm and reflection. With warm, pleasant weather and fewer rains, Bali is an ideal escape for winter travelers seeking sun, sea, and serenity.

○ Watch a mesmerising sunrise up at Mount Batur, one of the most active volcanoes in Bali (link)

○ Take a Surfing Lesson at Kuta Beach(link)

○ Watch a Kecak and Fire Dance Show at Uluwatu Temple(link)

Seamless Journeys to All Cool Places

Getting to cool destinations has never been easier. Klook’s users are increasingly turning to multi-destination transport passes that simplify movement between cities and countries.

More are purchasing the Swiss Travel Pass, which offers unlimited travel by train, bus, and boat to top destinations like Zurich, Lucerne, and Mount Titlis, along with free access to mountain adventures and over 500 museums. Eurail Pass sales have also climbed, granting unlimited train travel across 33 European cities. Demand for high-speed rail travel in Mainland China, Hong Kong, Taiwan, and Japan increased by more than 140% quarter-on-quarter, reflecting stronger year-end travel momentum.

Whether by scenic rail, alpine funicular, or riverside ferry, these passes make it easier for travelers to embark on their own "Cool’cation” — from seamless online booking to smooth transfers on the ground.
Dubai: The Classic Yet Cool Year-End Getaway for Indian Travelers

Dubai continues to reign as the #1 international destination for Indian travelers, a timeless favorite that blends familiarity with festive grandeur.

Every year-end, from November through January, the city transforms into a global stage of celebration, anchored by the Burj Khalifa’s iconic New Year fireworks and the excitement of the Dubai Shopping Festival, where irresistible deals meet world-class entertainment.

Its mild winter weather makes it a natural escape from India’s colder or hazier climates, while superior air connectivity from over 20 Indian cities and streamlined visa processes make it easy for families and last-minute planners alike. With a steady 28% year-on-year growth in sessions from India*Dubai's appeal continues to soar.

* Based on Klook’s internal data comparing Q3 2024 and Q3 2025
“Cool”cations: The New Year-End State of Mind

From chasing snow to chasing new scenes, “cool”cations are redefining how travelers close out their year, blending comfort, curiosity, and creativity. Whether it’s finding cool weather or cool experiences, travelers are rewriting what it means to end the year on a high.

Travellers can bring their “Cool”cation plans to life through Klook’s amazing year-end offers. A full line-up of daily deals and surprises awaits, making this the perfect time to plan your next great escape.

The gateway to your “cool”cation starts here.

About Klook

Klook is a leading pan-regional experiences platform in Asia Pacific, purpose built to digitalize experiences and make them accessible to every traveler. Our mission is to build the digital infrastructure for the global experience economy — empowering merchants to share their passions and travelers to discover the heartbeat of each destination. We operate a mobile-first, curated platform featuring diverse experiences across global destinations.

5 Reasons Why One Should Opt SBI General Insurance’s Health Alpha

With medical inflation rising steadily and healthcare needs changing as one ages, consumers are looking at options outside the standard one-size-fits-all health policies. They are keen on plans that offer long-term value, deeper protection, and the flexibility to adapt to sudden changes. This is driving demand for sharp, focused health insurance solutions that offer meaningful customisation, continuity benefits, and greater control over coverage.

This is why forward-looking health insurance plans like SBI General Health Alpha, with flexible personalisation options, a variety of add-ons, and customizable sum insured choices, are getting increasingly popular among customers seeking adaptable, and comprehensive protection.

Here are five key reasons why one should choose SBI General Health Alpha:

Build-Your-Own Health Plan – A customizable Approach

Health Alpha moves beyond the traditional model. A fully customizable health insurance product, designed for unlimited flexibility and over 50 coverage options. Health Alpha embodies the ethos of Your Health. Your Cover. Your Way, empowering customers to create personalized health plans that suit their lifestyle and healthcare requirements.

It allows customers to adjust coverage limits within offered benefits, and modify waiting periods, ensuring complete flexibility to customize their health plan to individual needs.

High-Cover Protection, Including Unlimited Sum Insured

With rising healthcare costs, large medical bills, especially for critical illnesses or long hospital stays, are becoming more common. Health Alpha offers a solution with sum insured options starting at ₹5 lakh and extending up to an Unlimited Sum Insured, providing families with strong, long-term financial protection. Additionally, the Endless Sum Insured benefit adds an extra layer of security by covering one major hospitalization claim beyond the base coverage, ensuring customers remain protected even during high-cost medical emergencies.

Strong Continuity Benefits for Life Milestones

The Plan Ahead optional cover allows families to expand their cover for major life events. This unique benefit provides Waiting Period continuity earned by the policyholder to newly married spouse (age up to age 35 years) and/or newborn children (maximum 2 children), provided they are enrolled under the Policy within 120 days of marriage or birth.

Industry-First Gym & Sports Injury Cover

Recognising India’s growing focus on fitness and wellness, Health Alpha offers industry’s-first and exclusive add-on which provides OPD benefits for injuries sustained during hobby sports or daily fitness activities, covering specialist consultations, diagnostic tests, prescribed medicines, and physical therapy.

Up to 10x Cumulative Bonus for Claim-Free Years

Health Alpha features one of the most rewarding bonus structures in the industry with its 10x Cumulative Bonus benefit. For every year a customer remains claim-free, this benefit increases their coverage by up to 10 times the base sum insured. This means families get significantly more protection over time, creating a strong safety net as healthcare needs grow. This benefit helps customers build long-term financial security confidently, ensuring their health coverage keeps pace with rising medical costs.

As health needs become more diverse and financial risks rise, customers are seeking health insurance plans that offer depth, flexibility, and lasting protection. SBI General Health Alpha captures this trend perfectly by combining customizable options with high coverage limits, milestone continuity, and wellness-focused features. The product also offers few industry-first features like 10x Cumulative Bonus, Gym & Sports Injury Cover along with other Special Covers like Endless Sum Insured. Together, these benefits make it an attractive choice for families who want a strong, future-ready health protection plan that adapts to their evolving needs and ensures peace of mind.

About SBI General Insurance

SBI General Insurance, one of the fastest-growing private general insurance firms, backed by the robust support of SBI, upholds a legacy of trust and security. We position ourselves as India's most trusted general insurer amidst a dynamic landscape. Since our establishment in 2009, our expansion has been substantial, growing from 17 branches in 2011 to a nationwide presence in 146 branches. In FY 2024-25, SBI General Insurance reported a Gross Written Premium (GWP) of INR 14,140 crores, recording a YOY growth of 11.1%.

The company received numerous prestigious accolades, showcasing its excellence across various domains. Key honors include being named as the Domestic General Insurer of the Year – India and Claims Initiative of the Year – India at Insurance Asia Awards 2025 Singapore, Large General Insurance category at the Mint BFSI Summit & Awards, the 3rd InsureNext Awards 2024 for Best Claims Settlement, and India’s Best General Insurer of the Year at the 7th Insurance Conclave Awards. At the India Insurance Summit & Awards 2024, the company secured titles for General Insurance Company of the Year and Leading Implementer of Analytics Technology in Insurance. Additionally, it was honored as the Best BFSI Brand at the ET NOW Best BFSI Brands Conclave 2024 and included in BW BusinessWorld’s India’s Most Respected Companies. Certified as a Great Place to Work in 2024, the company also excelled at the ETBFSI Exceller Awards 2024 with recognition for Best Claims Management in Insurance and Best CSR Campaign of the Year, further highlighting its commitment to social responsibility and innovation.

With a team of over 9,000+ employees and our multi-distribution model covering Bancassurance, Agency, OEM, Broking, Retail Direct Channels, and Digital collaborations, we are committed to providing both Suraksha and Bharosa to all our consumers. Leveraging a vast network that includes over 22000+ SBI branches, plus agents, financial alliances, OEMs, and digital partners, we extend our services to even the most remote areas of India. Our offerings cater to Retail, Corporate, SME and Rural segments, and our diverse product portfolio ensures accessibility through both digital and physical channels.

Sunny Side Up Launches A New Campaign For NCL Group's Bison Panel

The campaign 'Bison Panel, Original hi lo ji' aims to combat category ambiguity

Sunny Side Up, an integrated communications agency, has announced the launch of a new campaign for NCL Group’s Bison Panel, the long-established leader in the Cement Bonded Particle Board (CBPB) category. The campaign utilises the message ‘Original hi lo ji’ to encourage customers and trade partners to select the authentic CBPB board.

The campaign addresses market ambiguity where alternative materials are presented as CBPB and referred to as Bison. The strategy focuses on reinforcing Bison Panel’s original category status. The television commercial (TVC) depicts a customer confronting a dealer after receiving a misleading product, using the scenario to highlight the importance of selecting genuine CBPB boards.

Shyam Nair, Creative Director, Sunny Side Up said, “We live in a trust deficit society, but also an increasingly assertive consumer class that demands and values authenticity. While the messaging for the campaign is simple - it revolves around the key idea of what the right choice in this category has always been.”

The TVC of the campaign ‘Bison Panel, Original hi lo ji’ is produced by Twenty Seventh Films and directed by Amit Satyaveer Singh.

Mr. Ravi Pingali of NCL Industries Limited commented on the brand’s positioning, “Bison Panel has maintained a standard of reliability and quality for over four decades. This campaign reinforces our leadership position and our commitment to enabling customers to make informed choices within the category. ‘Original hi lo ji’ formalises our long-standing brand promise.”
The integrated campaign is live across television, digital platforms, outdoor (OOH), and retail touchpoints.

Film Link: https://www.youtube.com/watch?v=OhqKukL_PX8

About Bison Panel (NCL Group)

Bison Panel is India’s original Cement Bonded Particle Board (CBPB), manufactured by NCL Industries Ltd using German-collaborated technology. Its properties include fire, weather, and termite resistance.

About Sunny Side Up
Sunny Side Up is a communications agency specializing in brand strategy, advertising, and integrated creative solutions.

For more information, reach out to tashina@sunnysideup.in

SAITED 2025 Opens With 5,000+ Participants, Graced by Odisha CM Mohan Charan Majhi And ISRO Gaganyatri Group Captain Shubhanshu Shukla

SAI International School, Bhubaneswar, a leading educational institution, hosted SAITED 2025, one of India’s largest school-based science and technology fests envisioned by Late Dr. Bijaya Kumar Sahoo, Founder of SAI International Education Group on Wednesday, November 26, 2025. The fest witnessed enthusiastic participation from over 5,000 students across government and private schools in Bhubaneswar and Cuttack.

This year’s theme, “Infinite Possibilities, Endless Realities: Science Beyond the Omniverse!”, set the tone for a day dedicated to exploration, experimentation, and innovative STEM learning. The campus came alive as young learners engaged in hands-on activities, showcased prototypes, and explored new-age scientific concepts.

The event was graced by Hon’ble Chief Minister of Odisha, Shri Mohan Charan Majhi, who formally inaugurated the fest and engaged with the student innovators. In his address, Shri Majhi said, “Events like SAITED must be encouraged across Odisha as they play a vital role in strengthening STEM learning among students. Our young learners must be inspired to think higher, dream bigger, and innovate fearlessly. The future of our state lies in the hands of these bright minds who dare to imagine beyond boundaries.” He further added, “The Odisha Government is deeply committed to empowering education through enhanced infrastructure, technology-driven learning, and initiatives that nurture scientific curiosity. We will continue to support platforms that give children the opportunity to explore, experiment, and excel.”

The occasion was further elevated by the presence of Group Captain Shubhanshu Shukla, ISRO Gaganyatri and distinguished IAF Test Pilot. The most captivating moment of SAITED 2025 was his hour-long session filled with powerful insights drawn from his journey. During his session, he offered students a rare and compelling glimpse into his space mission. He explained how the mission was executed from the meticulous pre-launch preparations to the precision required for operations in orbit. He spoke about the challenges of surviving in space, describing how astronauts manage daily routines, adapt to microgravity, and maintain physical and mental discipline while away from Earth. Adding to the excitement, he showcased exclusive videos from his mission, allowing students to witness real onboard activities, movement inside the spacecraft, and breathtaking views from space. His narration brought the experience to life, leaving the audience captivated and deeply inspired by the realities of space exploration. His engaging interaction and thoughtful responses during the Q&A inspired students to think boldly, ask future-focused questions, and immerse themselves in an atmosphere charged with curiosity, excitement, and intellectual discovery.

List of tech companies in attendance:

1.Software Technology Parks of India

M/S. Spk-Mak Pvt. Ltd.

Skill Shores Ric Solutions Pvt Ltd.

2. Startup Odisha

Medtel Healthcare Private Limited

Ambula Technologies Private Limited

Babycue Private Limited

Healu Consultancy Services Private Limited

Prime Oral Care India

3. SPARC Pvt. Ltd.

4. IG Drones

5. CSIR - Institute of Minerals And Materials Technology

6. CV Raman College of Engineering Foundation

7. Appstone Pvt. Ltd.

Speaking about the session, Group Captain Shubhanshu Shukla said, “Events like SAITED play a crucial role in nurturing a culture of science. Being here, I have found that the school has created an environment where scientific curiosity is alive, that energy came through in every conversation I had today. The creativity and confidence these students displayed are the foundations of a progressive nation. When young learners are given the opportunity to think boldly and experiment freely, they grow into the explorers and leaders of tomorrow.”

Like every year, SAITED 2025 hosted a diverse range of activities including the Tech Fair, Start-Up Park, Med Talk, Minute Matters, Eureka, Science Serenade, Science Spell Bee, Math Maze, CODEx Gaming Lab, Aeromodelling, Crime Forensics, and several other experiential learning engagements.

Several esteemed experts conducted specialised workshops. The Crime Forensics workshop was conducted by experts from the Commissionerate of Police, offering students real-world insights into forensic investigation. The session was led by Sushree Sabinaya, Scientific Officer at the District Forensic Science Laboratory, Bhubaneswar UPD, who has been actively involved in major cases including murder, dacoity, and rape. The Aeromodelling session was conducted by Shri Manas Kumar Samantaray, Chief Innovation Officer at AIC–Nalanda Institute of Technology; the CODEx workshop was facilitated by Dr. Debendra Kumar Muduli from C.V. Raman College of Engineering Foundation; and the ENERGIZE workshop was delivered by Dr. Debi Prasad Das, Jigyasa Nodal Officer, CSIR–IMMT.

About SAITED 2025, Dr. Silpi Sahoo, Chairperson, SAI International Education Group, shared, “It is an overwhelming moment to see thousands of young learners come together to celebrate science, creativity, and imagination. SAITED is more than a fest, it is a movement that inspires children to think boldly, innovate courageously, and embrace limitless possibilities. When we encourage young minds to question the ‘impossible,’ they become the creators of tomorrow’s realities. This spirit of curiosity, confidence, and compassion is what we nurture at SAI International.”

The fest ended with a grand Valedictory Ceremony, but the real magic unfolded in the evening as students came together for a joyous celebration, an energetic cultural showcase that lit up the campus, featuring a spirited performance by singer Anuj Rehan that had the crowd cheering and singing along.

With its strong focus on innovation, collaboration, and experiential learning, SAITED 2025 successfully ignited scientific curiosity and highlighted the immense potential of young learners to shape the future.

Participating School attending SAITED Talk

1. Saraswati Sishu Vidya Mandir, Patia

2. Saraswati Sishu Vidya Mandir, Nayapalli

3. Govt. High School Gandamunda

4. Govt. High School Khandagiri

5. Biju Pattanaik Higher Secondary School of Science & Education

6. Kamala Nehru Women’s Higher Secondary School, Bhubaneswar

7. Acharya Harihar Higher Secondary School, Chandrasekharpur

8. Deb Yay Nayapalli Higher Secondary School, Bhubaneswar

9. Ekamra Higher Secondary School, Bhubaneswar

10. Odisha Adarsh Vidyalaya

11. St. Xavier International School

12. DAV Chandrasekharpur

13. BJEM, Bhubaneswar

14. DAV Public School, CDA Cuttack

15. SAI International Residential School, Cuttack

16. Rajadhani Higher Secondary, Bhubaneswar

17. KIIT International

18. Mother’s Public School

During the interactive session that stood out as one of the most engaging moments of SAITED 2025, Group Captain Shubhanshu Shukla captivated students with insights drawn from his space mission, responding to their questions with clarity, humour, and depth. When a SAI Angan student asked how he manages microgravity, he shared that although it initially feels as if the body has forgotten its basic behaviour, with even simple tasks turning into amusing challenges that the mind adapts quickly, teaching astronauts to move slowly, push gently, and embrace the unforgettable feeling of floating. Addressing another student who asked how he deals with fear in space, he emphasised that fear is natural, but rigorous training becomes a stabilising anchor, allowing astronauts to remain mission-focused and purposeful even thousands of kilometres above Earth. In response to a Government School student who wanted to know how it felt to enter space and what Earth looked like from there, he described the indescribable stillness of crossing into space and the breathtaking sight of a borderless blue planet suspended in darkness, a view that profoundly transforms one’s perspective. Adding to the intellectual energy of the session, two SAI Angan students posed highly advanced questions on isotopic propulsion and calculating transfer windows for a Trans-Lunar Injection, prompting Group Captain Shukla to commend their exceptional scientific curiosity and depth of understanding, reflecting the spirit of innovation and inquiry that defined SAITED 2025.