* nSEPIA Beta opens its first phase of market testing
The platform combines emotion measurement, personalised intervention, and outcome validation within one system
Nihilent has announced the launch of nSEPIA Beta, marking the first market testing phase of the world’s first emotion wellness platform designed to help users measure their emotional state objectively and improve it through personalised interventions within minutes. The beta is now available for market testing.
The opening of nSEPIA’s private beta was marked with a symbolic ribbon-cutting ceremony by Mr. Kiran Deshpande, Executive Council Member, SemiX IIT Bombay and Board Member, 14Trees Foundation, signifying the beginning of a transformative journey in emotional wellness. The evening also brought together the first “Founding Circle”, a select group of early participants who will actively engage with the platform and contribute to shaping its evolution.
Built as a closed loop system and grounded in a clear belief that emotional wellness should be accessible, understood, and available on demand, nSEPIA has been developed to bring structure and measurability to emotional wellness. The platform first detects a user’s emotional state through a quick scan, then recommends interventions aligned to that state and finally enables the user to validate change through a rescan. In doing so, it moves emotional wellness away from assumption and subjective interpretation toward clearer understanding and measurable response.
At a time when stress, anxiety, burnout, worry and emotional strain are becoming a growing part of everyday life, nSEPIA addresses a gap that has remained largely unresolved. While physical health can be assessed through established indicators, emotional health has continued to rely on self-report, expression or broad wellness content. nSEPIA has been built to change that by enabling users to understand, track, and improve their emotional state in a clear and consistent way.
The platform begins with a 30 second scan that captures emotional state in real time. Powered by Emoscape, a clinically validated emotion AI engine that objectively extracts emotional signatures independent of expression, language and culture the scan is intended to give users a more objective understanding of how they actually feel. Following this, users are presented with a visual representation of their emotional state in the form of an emotion orb, and observation-based guidance that explains the state in simple language.
At its core is the Emoscape engine. An AI-led system that scans the face for subtle, involuntary signals to map emotional state in real time, independent of expression or language. The goal is simple: to help people understand what they truly feel, and work with it more effectively.
Based on the emotional state detected, nSEPIA offers exclusive, science backed emotion interventions including music, breathwork, yoga, and meditation. These are not generic wellness options, but experiences aligned to the user’s current emotional state. The platform also includes an emotion scale, progress tracking, and a rescan option that allows users to observe whether their emotional state has shifted after an intervention.
This combination of emotional clarity, personalised action, and measurable proof defines nSEPIA’s value and sets it apart from existing offerings in the wellness space. Rather than functioning as a meditation app or a therapy alternative, nSEPIA introduces a new category that combines emotion measurement, personalised intervention, and outcome validation within one system.
The beta launch will allow Nihilent to test nSEPIA in the market, understand how users engage with the platform, and gather feedback that will help shape the next stage of its development. The beta phase is expected to offer early insight into user behaviour, intervention preferences, and the role such a platform can play in everyday emotional wellbeing.
Speaking on the launch, Mr. L. C. Singh, Founder and Executive Chairman, Nihilent, said, “Technology has measured almost everything around us, but very little within us. nSEPIA is a step toward changing that. nSEPIA Beta represents an important step in bringing a new way of looking at emotional wellness into the market. While emotional health affects everyday life in profound ways, it has largely remained outside the reach of structured measurement and response. nSEPIA has been built to address that gap. It gives users a way to understand their emotional state more clearly, act on it through relevant interventions, and track change over time. With the beta now available for market testing, we look forward to seeing how this platform begins to shape real world use.
With the launch of nSEPIA Beta, Nihilent takes an important step in opening early market access to a platform built around clarity, response, and measurable progress, while introducing a new approach to emotional wellness.
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Saturday, April 25, 2026
IKS Health Announces Agreement To Acquire TruBridge To Strengthen Access To Rural And Community-Based Healthcare
Inventurus Knowledge Solutions, Inc. (“IKS”), the U.S. subsidiary of Inventurus Knowledge Solutions Limited (NSE: IKS) (“IKS Health”), a global leader in care enablement solutions, today announced it has entered into a definitive agreement to acquire TruBridge, Inc. (NASDAQ: TBRG) (“TruBridge”), a prominent provider of healthcare technology solutions for rural and community hospitals. This proposed strategic acquisition underscores a commitment to broaden access to high-quality care and support the clinicians and hospitals that serve communities across the United States.
Today, nearly one in five Americans face challenges accessing care. By bringing together IKS Health’s comprehensive care enablement capabilities that serve a range of healthcare organizations with TruBridge’s deep expertise in supporting rural and community hospitals through revenue cycle management and electronic health record (EHR) solutions, the combined healthcare technology company is expected to strengthen local healthcare systems, and enable patients to receive essential care closer to home while also enhancing care delivery across the ambulatory and acute care continuum.
Post closing, the combined company will deliver continuous improvement and connected workflows to the core of rural healthcare and to medical groups overall, combining agentic artificial intelligence (AI) with human-in-the-loop expertise to proactively address complex operational challenges. As the platform incorporates a broader range of clinical and financial data, it is designed to become increasingly intelligent and efficient. This growing intelligence, reinforced by human insight, is anticipated to ensure community hospitals and medical groups have the financial resilience and advanced support needed to focus on the health of their patients.
“By welcoming TruBridge, IKS Health is extending its proven, clinician-first experience to the vital rural and community hospital market,” said Sachin K. Gupta, Founder and Global CEO of IKS Health. “This new entity supports our long-term vision of building a comprehensive care ecosystem for all types of healthcare organizations. By pairing TruBridge’s essential system of record with our AI-driven system of action, we are moving beyond simply recording data to actively solving the complex operational challenges facing providers today. The combined entity will work toward ensuring community care teams have the same access to advanced technology and financial resilience, enabling them to deliver exceptional care close to home.”
Together, the organization will bring modern revenue cycle management, predictive analytics, and advanced EHR capabilities to support more than 2,000 healthcare organizations and over 150,000 clinicians with a broad portfolio of AI-driven and human-led solutions designed to improve clinical, operational, and financial excellence.
“I am excited for TruBridge and IKS Health to combine forces and expand the focus on strengthening rural and community healthcare,” said Chris Fowler, President and CEO of TruBridge. “IKS Health shares our passion to improve provider experiences and financial results, ultimately leading to healthier lives and positive patient outcomes. It’s rewarding to know that our employees will have more ways and opportunities to deliver exceptional value to our customers and their patients.”
Under the terms of the agreement, TruBridge shareholders will receive $26.25 in cash for each share of common stock. The acquisition has been approved by the Boards of Directors of IKS Health, IKS, and TruBridge, and is expected to close during the third calendar quarter of 2026, subject to the satisfaction of customary closing conditions, including the requisite shareholder approvals and the Hart-Scott-Rodino (HSR) notification and waiting period. In connection with the transaction, TruBridge has entered into voting and support agreements with TruBridge’s largest shareholders, Pinetree Capital Ltd., L6 Holdings Inc. and Ocho Investments, LLC, who have agreed—subject to the terms of the agreements—to, among other things, vote the shares they control, representing in total approximately 27% of TruBridge’s outstanding shares of common stock, in favor of the transaction.
IKS will finance the acquisition primarily through the incurrence of new indebtedness, including a term loan underwritten by Citibank, JPMorganChase, and Deutsche Bank, which is subject to satisfaction of customary conditions (including approval of the shareholders of IKS Health).
Advisors
Solomon Partners Securities, LLC is acting as the exclusive financial advisor to TruBridge, and Sullivan & Cromwell LLP, and Maynard Nexsen PC, and Cyril Amarchand Mangaldas are acting as legal counsel. J.P. Morgan Securities LLC and Citigroup Global Markets India Private Limited are acting as financial advisors to IKS Health, and Katten Muchin Rosenman LLP and Shardul Amarchand Mangaldas & Co. are acting as legal counsel.
About IKS Health
IKS Health (NSE, BSE) reduces the administrative, clinical, and operational burdens that slow healthcare down, giving clinicians and care teams the freedom to focus on delivering exceptional care. Through its Care Enablement platform, IKS Health integrates agentic AI workflows with human expertise to create smarter, more accurate operations, better outcomes, and financially sustainable growth across the care journey. Founded in 2006 and recognized by Black Book as the top provider of AI-driven RCM services, by KLAS for performance and client satisfaction, and by Google Cloud with a DORA Award for “Augmenting Human Expertise with AI,” IKS Health partners with the largest health systems, physician groups, and specialty practices across the United States. Learn more at ikshealth.com.
Inventurus Knowledge Solutions Limited is listed on the National Stock Exchange of India Limited (NSE) and BSE Limited (BSE). {Scrip codes: NSE - IKS and BSE - 544309}
About TruBridge
TruBridge (NASDAQ: TBRG) proudly supports rural and community healthcare providers in their efforts to stay strong, independent, and deeply rooted in the communities they serve. Backed by more than 45 years of healthcare experience and trusted by over 1,500 clients nationwide, TruBridge offers a mix of technology, services, and strategic expertise — including revenue cycle management (RCM), electronic health records (EHR) and analytics — all designed singularly for the realities of rural and community healthcare. With a steadfast commitment to keeping care local, TruBridge helps hospitals flourish as the economic heart of their communities, delivering high-quality, deeply personal care close to home. Learn more at trubridge.com.
Today, nearly one in five Americans face challenges accessing care. By bringing together IKS Health’s comprehensive care enablement capabilities that serve a range of healthcare organizations with TruBridge’s deep expertise in supporting rural and community hospitals through revenue cycle management and electronic health record (EHR) solutions, the combined healthcare technology company is expected to strengthen local healthcare systems, and enable patients to receive essential care closer to home while also enhancing care delivery across the ambulatory and acute care continuum.
Post closing, the combined company will deliver continuous improvement and connected workflows to the core of rural healthcare and to medical groups overall, combining agentic artificial intelligence (AI) with human-in-the-loop expertise to proactively address complex operational challenges. As the platform incorporates a broader range of clinical and financial data, it is designed to become increasingly intelligent and efficient. This growing intelligence, reinforced by human insight, is anticipated to ensure community hospitals and medical groups have the financial resilience and advanced support needed to focus on the health of their patients.
“By welcoming TruBridge, IKS Health is extending its proven, clinician-first experience to the vital rural and community hospital market,” said Sachin K. Gupta, Founder and Global CEO of IKS Health. “This new entity supports our long-term vision of building a comprehensive care ecosystem for all types of healthcare organizations. By pairing TruBridge’s essential system of record with our AI-driven system of action, we are moving beyond simply recording data to actively solving the complex operational challenges facing providers today. The combined entity will work toward ensuring community care teams have the same access to advanced technology and financial resilience, enabling them to deliver exceptional care close to home.”
Together, the organization will bring modern revenue cycle management, predictive analytics, and advanced EHR capabilities to support more than 2,000 healthcare organizations and over 150,000 clinicians with a broad portfolio of AI-driven and human-led solutions designed to improve clinical, operational, and financial excellence.
“I am excited for TruBridge and IKS Health to combine forces and expand the focus on strengthening rural and community healthcare,” said Chris Fowler, President and CEO of TruBridge. “IKS Health shares our passion to improve provider experiences and financial results, ultimately leading to healthier lives and positive patient outcomes. It’s rewarding to know that our employees will have more ways and opportunities to deliver exceptional value to our customers and their patients.”
Under the terms of the agreement, TruBridge shareholders will receive $26.25 in cash for each share of common stock. The acquisition has been approved by the Boards of Directors of IKS Health, IKS, and TruBridge, and is expected to close during the third calendar quarter of 2026, subject to the satisfaction of customary closing conditions, including the requisite shareholder approvals and the Hart-Scott-Rodino (HSR) notification and waiting period. In connection with the transaction, TruBridge has entered into voting and support agreements with TruBridge’s largest shareholders, Pinetree Capital Ltd., L6 Holdings Inc. and Ocho Investments, LLC, who have agreed—subject to the terms of the agreements—to, among other things, vote the shares they control, representing in total approximately 27% of TruBridge’s outstanding shares of common stock, in favor of the transaction.
IKS will finance the acquisition primarily through the incurrence of new indebtedness, including a term loan underwritten by Citibank, JPMorganChase, and Deutsche Bank, which is subject to satisfaction of customary conditions (including approval of the shareholders of IKS Health).
Advisors
Solomon Partners Securities, LLC is acting as the exclusive financial advisor to TruBridge, and Sullivan & Cromwell LLP, and Maynard Nexsen PC, and Cyril Amarchand Mangaldas are acting as legal counsel. J.P. Morgan Securities LLC and Citigroup Global Markets India Private Limited are acting as financial advisors to IKS Health, and Katten Muchin Rosenman LLP and Shardul Amarchand Mangaldas & Co. are acting as legal counsel.
About IKS Health
IKS Health (NSE, BSE) reduces the administrative, clinical, and operational burdens that slow healthcare down, giving clinicians and care teams the freedom to focus on delivering exceptional care. Through its Care Enablement platform, IKS Health integrates agentic AI workflows with human expertise to create smarter, more accurate operations, better outcomes, and financially sustainable growth across the care journey. Founded in 2006 and recognized by Black Book as the top provider of AI-driven RCM services, by KLAS for performance and client satisfaction, and by Google Cloud with a DORA Award for “Augmenting Human Expertise with AI,” IKS Health partners with the largest health systems, physician groups, and specialty practices across the United States. Learn more at ikshealth.com.
Inventurus Knowledge Solutions Limited is listed on the National Stock Exchange of India Limited (NSE) and BSE Limited (BSE). {Scrip codes: NSE - IKS and BSE - 544309}
About TruBridge
TruBridge (NASDAQ: TBRG) proudly supports rural and community healthcare providers in their efforts to stay strong, independent, and deeply rooted in the communities they serve. Backed by more than 45 years of healthcare experience and trusted by over 1,500 clients nationwide, TruBridge offers a mix of technology, services, and strategic expertise — including revenue cycle management (RCM), electronic health records (EHR) and analytics — all designed singularly for the realities of rural and community healthcare. With a steadfast commitment to keeping care local, TruBridge helps hospitals flourish as the economic heart of their communities, delivering high-quality, deeply personal care close to home. Learn more at trubridge.com.
Wipro Partners With Kongsberg Digital To Transform The Energy & Utilities Sector With Advanced AI-Powered Digital Twins
Wipro Limited (NYSE: WIT, BSE: 507685, NSE: WIPRO), a leading AI-powered technology services and consulting company, today announced a strategic partnership with Kongsberg Digital, a global leader in advanced engineering and industrial digitalization, to jointly deploy next‑generation AI‑powered Digital Twin solutions for the Energy & Utilities Sector.
The collaboration brings together Wipro’s consulting-led approach and its AI-powered Wipro Intelligence™ solutions – Industrial-AssetsAI and UpstreamAI – with Kongsberg Digital’s Industrial Work Surface solution. Together, Wipro and Kongsberg Digital will enable more reliable, efficient, and safer operations across complex asset networks.
“At the core of this collaboration is a shared vision to rethink how industrial intelligence is designed and applied,” said Srikumar Rao, Managing Partner and Global Head of Engineering, Wipro Limited. “By combining our deep domain expertise in Energy & Utilities and the relevant Wipro Intelligence™ solutions with Kongsberg Digital’s digital twin platform, we are bringing AI, engineering, and operational insight together. This will enable enterprises to embed autonomy into their operations, allowing them to anticipate change, navigate complexity, and build resilience at scale.”
Together, Wipro and Kongsberg Digital will provide organizations with a unified environment that brings together physics‑based engineering models, real‑time operations, and enterprise AI. Once deployed, the joint offering will function as a digital twin that reflects real‑time conditions across plants, grids, and distributed assets. By combining simulation, data, AI, and automation in one integrated framework, Wipro and Kongsberg Digital can help organizations simplify digital transformation and strengthen operational resilience.
“Combining Kongsberg Digital’s Industrial Work Surface—which currently operates at some of the energy industry’s most complex assets—with Wipro’s AI-powered platforms and solutions, this partnership will extend our proven digital twin capability at scale, helping customers move from insight to operational impact faster,” said Shane McArdle, CEO of Kongsberg Digital.
As part of the agreement, Wipro and Kongsberg Digital will advance a joint roadmap to scale AI‑powered digital twin capabilities across Energy & Utilities environments, helping asset‑intensive organizations accelerate innovation, strengthen operational resilience, and deliver sustained improvements in performance, safety, and sustainability.
About Wipro Limited
Wipro Limited (NYSE: WIT, BSE: 507685, NSE: WIPRO) is a leading AI-powered technology services and consulting company focused on building innovative solutions that address clients’ most complex digital transformation needs. Leveraging our consulting-led approach and the Wipro Intelligence™ unified suite of AI-powered platforms, solutions and transformative offerings, we help clients realize their boldest ambitions to build intelligent and sustainable businesses. The Wipro Innovation Network–part of the Wipro Intelligence™ suite–underpins our commitment to client-centric co-innovation and co-creation by bringing together capabilities from the innovation labs and partner labs, academia, and global tech communities. With over 240,000 employees and business partners across 65 countries, we deliver on the promise of helping our customers, colleagues, and communities thrive in an ever-changing world. For additional information, visit us at www.wipro.com.
The collaboration brings together Wipro’s consulting-led approach and its AI-powered Wipro Intelligence™ solutions – Industrial-AssetsAI and UpstreamAI – with Kongsberg Digital’s Industrial Work Surface solution. Together, Wipro and Kongsberg Digital will enable more reliable, efficient, and safer operations across complex asset networks.
“At the core of this collaboration is a shared vision to rethink how industrial intelligence is designed and applied,” said Srikumar Rao, Managing Partner and Global Head of Engineering, Wipro Limited. “By combining our deep domain expertise in Energy & Utilities and the relevant Wipro Intelligence™ solutions with Kongsberg Digital’s digital twin platform, we are bringing AI, engineering, and operational insight together. This will enable enterprises to embed autonomy into their operations, allowing them to anticipate change, navigate complexity, and build resilience at scale.”
Together, Wipro and Kongsberg Digital will provide organizations with a unified environment that brings together physics‑based engineering models, real‑time operations, and enterprise AI. Once deployed, the joint offering will function as a digital twin that reflects real‑time conditions across plants, grids, and distributed assets. By combining simulation, data, AI, and automation in one integrated framework, Wipro and Kongsberg Digital can help organizations simplify digital transformation and strengthen operational resilience.
“Combining Kongsberg Digital’s Industrial Work Surface—which currently operates at some of the energy industry’s most complex assets—with Wipro’s AI-powered platforms and solutions, this partnership will extend our proven digital twin capability at scale, helping customers move from insight to operational impact faster,” said Shane McArdle, CEO of Kongsberg Digital.
As part of the agreement, Wipro and Kongsberg Digital will advance a joint roadmap to scale AI‑powered digital twin capabilities across Energy & Utilities environments, helping asset‑intensive organizations accelerate innovation, strengthen operational resilience, and deliver sustained improvements in performance, safety, and sustainability.
About Wipro Limited
Wipro Limited (NYSE: WIT, BSE: 507685, NSE: WIPRO) is a leading AI-powered technology services and consulting company focused on building innovative solutions that address clients’ most complex digital transformation needs. Leveraging our consulting-led approach and the Wipro Intelligence™ unified suite of AI-powered platforms, solutions and transformative offerings, we help clients realize their boldest ambitions to build intelligent and sustainable businesses. The Wipro Innovation Network–part of the Wipro Intelligence™ suite–underpins our commitment to client-centric co-innovation and co-creation by bringing together capabilities from the innovation labs and partner labs, academia, and global tech communities. With over 240,000 employees and business partners across 65 countries, we deliver on the promise of helping our customers, colleagues, and communities thrive in an ever-changing world. For additional information, visit us at www.wipro.com.
SAP AG Announces Robust Quarter 1 Results For 2026
SAP SE (NYSE: SAP) has announced its financial results for the first quarter of 2026.
At a glance
Current cloud backlog of €21.9 billion, up 20% and up 25% at constant currencies
Cloud revenue up 19% and up 27% at constant currencies
Cloud ERP Suite revenue up 23% and up 30% at constant currencies
Total revenue up 6% and up 12% at constant currencies
IFRS operating profit up 17%, non-IFRS operating profit up 17% and up 24% at constant currencies
Christian Klein, CEO:
“We had a strong start to the year, with Current Cloud Backlog growing by 25% and Cloud Revenue up 27% at constant currencies. This performance is supported by our momentum in Business AI as we are already delivering real outcomes for customers today. We are growing faster than the market and are gaining share as customers expand across our Suite and with our AI solutions. At Sapphire, we will show how we are taking the next leap forward.”
Dominik Asam, CFO:
“We delivered a solid start to the year, supported by disciplined execution in revenue and profitability. At the same time, we have remained focused on managing our cost base and maintaining profitability as we navigate an increasingly complex and uncertain macroeconomic and geopolitical environment.”
About SAP
As a global leader in enterprise applications and business AI, SAP (NYSE:SAP) stands at the nexus of business and technology. For over 50 years, organizations have trusted SAP to bring out their best by uniting business-critical operations spanning finance, procurement, HR, supply chain, and customer experience. For more information, visit www.sap.com.
At a glance
Current cloud backlog of €21.9 billion, up 20% and up 25% at constant currencies
Cloud revenue up 19% and up 27% at constant currencies
Cloud ERP Suite revenue up 23% and up 30% at constant currencies
Total revenue up 6% and up 12% at constant currencies
IFRS operating profit up 17%, non-IFRS operating profit up 17% and up 24% at constant currencies
Christian Klein, CEO:
“We had a strong start to the year, with Current Cloud Backlog growing by 25% and Cloud Revenue up 27% at constant currencies. This performance is supported by our momentum in Business AI as we are already delivering real outcomes for customers today. We are growing faster than the market and are gaining share as customers expand across our Suite and with our AI solutions. At Sapphire, we will show how we are taking the next leap forward.”
Dominik Asam, CFO:
“We delivered a solid start to the year, supported by disciplined execution in revenue and profitability. At the same time, we have remained focused on managing our cost base and maintaining profitability as we navigate an increasingly complex and uncertain macroeconomic and geopolitical environment.”
About SAP
As a global leader in enterprise applications and business AI, SAP (NYSE:SAP) stands at the nexus of business and technology. For over 50 years, organizations have trusted SAP to bring out their best by uniting business-critical operations spanning finance, procurement, HR, supply chain, and customer experience. For more information, visit www.sap.com.
Friday, April 24, 2026
Marriott International Signs Agreement With Espire Hospitality To Bring JW Marriott To Kosi Kalan In Mathura
* JW Marriott Kosi Kalan Resort & Spa, is set to introduce the brand’s mindful ethos to the peaceful rhythm of Kosi Kalan
Marriott International, Inc. has signed an agreement with Espire Hospitality Limited to bring the JW Marriott brand to the quiet and serene town of Kosi Kalan, a growing destination in Mathura, that serves as a key transit and commercial gateway along the Delhi -Agra corridor. Anticipated to open in January 2029, JW Marriott Kosi Kalan Resort & Spa will span 14-acres of verdant landscape and is slated to be a haven for travelers who seek an authentic escape paired with highly personalized service and engaging experiences.
‘Espire Hospita lity Limited’, a part of the Espire Group is a publicly listed company on BSE and is among the very few hospitality companies that both own and operate their hotels. Growing as one of India’s most progressive enterprises, Espire Group is a global conglomerate operating across diverse verticals including Hospitality, IT Solutions and Education
“The expansion of Marriott’s luxury portfolio reflects our long-term conviction in India’s evolving travel landscape,” said Kiran Andicot – Senior Vice President – South Asia, Marriott International. “The introduction of the JW Marriott brand in Kosi Kalan is a strategic move, that strengthens our presence in an emerging market while responding to growing demand for elevated, experience-led hospitality beyond traditional gateway cities. This signing not only deepens our luxury footprint but is also expected to contribute meaningfully to the region’s tourism and economic momentum. We look forward to working with Espire Hospitality Limited to introduce the brand’s legacy of mindful hospitality and enriching well-being experiences to the beautiful calm of Kosi Kalan”.
Commenting on this signing, Mr. Gagan Oberoi, Group CEO said, “This collaboration with Marriott International is a testament to our strategic focus on expanding the portfolio with iconic, high-impact developments. JW Marriott Kosi Kalan Resort & Spa has been envisioned as a sanctuary of mindful luxury, where contemporary elegance meets nature, culture, and memorable experiences. This signing marks a significant step in strengthening our luxury portfolio, and we are proud to bring yet another landmark project to life, reinforcing the momentum of our rapid growth trajectory”
The JW Marriott Kosi Kalan Resort & Spa will be situated along the Delhi -Agra highway, in the culturally significant Braj region, a landscape deeply rooted in heritage and tradition. The town enjoys close proximity to Mathura (approx. 45-minute drive), the birthplace of Lord Krishna and an important spiritual and cultural centre and Vrindavan (approx. 50-minute drive), revered for its timeless temples and devotional legacy. This strategic location places Kosi Kalan at the intersection of cultural richness and regional connectivity.
Kosi Kalan is connected to several Indian cities through major highways, expressways and railroads. The railway station is located 5 km away, while Delhi’s international airport is approximately 114 km (a two-hour drive). The upcoming Noida International Airport will be a comfortable 1.5-hour drive from the hotel.
JW Marriott Kosi Kalan Resort & Spa is anticipated to blend modern elegance with the authentic heritage of Mathura. The resort is slated to offer 151 stylishly appointed guestrooms and suites, including villas featuring private pools. Design plans for the resort also comprise multiple serene spaces inviting guests to fully embrace the here and now. Dining options are anticipated to include three distinct culinary experiences, including a specialty restaurant and three lounge bars, and a roof top pool bar.
Additionally, the property is slated to offer multiple swimming pools, a fitness centre, the signature Spa by JW, a Kid’s Club and a Recreational Centre featuring a tennis and multi-purpose court. Anticipated to grow as a quality Wedding and MICE destination, Kosi Kalan will have the perfect setting with the JW Marriott Kosi Kalan Resort & Spa, offering 950 sq meters of social and meeting space, with an additional 2395 sq meters of outdoor lawns and a dedicated bridal suite.
Marriott International, Inc. has signed an agreement with Espire Hospitality Limited to bring the JW Marriott brand to the quiet and serene town of Kosi Kalan, a growing destination in Mathura, that serves as a key transit and commercial gateway along the Delhi -Agra corridor. Anticipated to open in January 2029, JW Marriott Kosi Kalan Resort & Spa will span 14-acres of verdant landscape and is slated to be a haven for travelers who seek an authentic escape paired with highly personalized service and engaging experiences.
‘Espire Hospita lity Limited’, a part of the Espire Group is a publicly listed company on BSE and is among the very few hospitality companies that both own and operate their hotels. Growing as one of India’s most progressive enterprises, Espire Group is a global conglomerate operating across diverse verticals including Hospitality, IT Solutions and Education
“The expansion of Marriott’s luxury portfolio reflects our long-term conviction in India’s evolving travel landscape,” said Kiran Andicot – Senior Vice President – South Asia, Marriott International. “The introduction of the JW Marriott brand in Kosi Kalan is a strategic move, that strengthens our presence in an emerging market while responding to growing demand for elevated, experience-led hospitality beyond traditional gateway cities. This signing not only deepens our luxury footprint but is also expected to contribute meaningfully to the region’s tourism and economic momentum. We look forward to working with Espire Hospitality Limited to introduce the brand’s legacy of mindful hospitality and enriching well-being experiences to the beautiful calm of Kosi Kalan”.
Commenting on this signing, Mr. Gagan Oberoi, Group CEO said, “This collaboration with Marriott International is a testament to our strategic focus on expanding the portfolio with iconic, high-impact developments. JW Marriott Kosi Kalan Resort & Spa has been envisioned as a sanctuary of mindful luxury, where contemporary elegance meets nature, culture, and memorable experiences. This signing marks a significant step in strengthening our luxury portfolio, and we are proud to bring yet another landmark project to life, reinforcing the momentum of our rapid growth trajectory”
The JW Marriott Kosi Kalan Resort & Spa will be situated along the Delhi -Agra highway, in the culturally significant Braj region, a landscape deeply rooted in heritage and tradition. The town enjoys close proximity to Mathura (approx. 45-minute drive), the birthplace of Lord Krishna and an important spiritual and cultural centre and Vrindavan (approx. 50-minute drive), revered for its timeless temples and devotional legacy. This strategic location places Kosi Kalan at the intersection of cultural richness and regional connectivity.
Kosi Kalan is connected to several Indian cities through major highways, expressways and railroads. The railway station is located 5 km away, while Delhi’s international airport is approximately 114 km (a two-hour drive). The upcoming Noida International Airport will be a comfortable 1.5-hour drive from the hotel.
JW Marriott Kosi Kalan Resort & Spa is anticipated to blend modern elegance with the authentic heritage of Mathura. The resort is slated to offer 151 stylishly appointed guestrooms and suites, including villas featuring private pools. Design plans for the resort also comprise multiple serene spaces inviting guests to fully embrace the here and now. Dining options are anticipated to include three distinct culinary experiences, including a specialty restaurant and three lounge bars, and a roof top pool bar.
Additionally, the property is slated to offer multiple swimming pools, a fitness centre, the signature Spa by JW, a Kid’s Club and a Recreational Centre featuring a tennis and multi-purpose court. Anticipated to grow as a quality Wedding and MICE destination, Kosi Kalan will have the perfect setting with the JW Marriott Kosi Kalan Resort & Spa, offering 950 sq meters of social and meeting space, with an additional 2395 sq meters of outdoor lawns and a dedicated bridal suite.
Next Phase Of Indian Financial System To Test Ability To Integrate Advanced Technology
* Also Secure Systems Against Threats, Protect Citizen data, expand access while maintaining stability: M Nagaraju, Secretary, DFS
* UPI operational in many countries reflects not just widespread adoption but emergence of UPI as foundation pillar of India’s digital economy, financial inclusion
* As we step into India’s digital decade, our vision is to push India as a global leader in digital governance where technology empowers every citizen
Mr M Nagaraju, Secretary, Department of Financial Services, Ministry of Finance, Govt of India today said that the India continues to stand out as the bright spot in the world economy despite global headwinds, geo-political conflicts, supply chain realignments along with elevated interest rates. India’s banking and financial system has already demonstrated its ability to transform at scale. The next phase will test our ability to integrate advanced technologies responsibly, secure systems against threats, protect citizen data and expand access while maintaining stability. “GDP growth rate of 2025-26 is at 7.6 per cent which is higher than 2024-25 when it was 7.1 per cent,” he added.
Addressing the ‘PICUP Fintech Conference & Awards’, organized by FICCI, jointly with IBA, Mr Nagaraju stated that the gross NPAs of public sector banks are at record low level in India at 2.2 per cent and net NPA around 0.5 per cent. Highlighting the important achievement for the government, he added that financial inclusion is central to building a resilient and equitable financial eco-system. Over the past decade, India has emerged as the global benchmark in financial inclusion. “Pradhan Mantri Jan Dhan Yojna is the heart of financial inclusion under which 58 crore bank accounts opened, and half of these account holders are women,” he emphasized.
The PM Jeevan Jyoti Bima yojana and PM Suraksha Bima yojana together, he stated that have enrolled 84 crore beneficiaries and 39 lakh crore loans disbursed under Mudra loan. “Today, as we step into India’s digital decade, our vision is to push India as a global leader in digital governance where technology empowers every citizen. The heart of this is India emerging as a leader of digital public infrastructure including Aadhar, UPI, account aggregator framework, etc.,” noted Mr Nagaraju.
Speaking on the importance of UPI, Mr Nagaraju said that around 22 billion transactions were made last month with total value surpassing Rs 29 trillion. “UPI has emerged as the largest real time retail payment system in the world. India’s digital payment system is now expanding beyond our borders. UPI is operational in many countries and several more are in pipeline. This scale reflects not just widespread adoption but the emergence of UPI as a foundation pillar of India’s digital economy and financial inclusion,” he added.
Highlighting the importance of Fintechs, Mr Nagaraju said that India has today, the largest and fastest growing fintech eco-system in the world. Fintechs companies in India have been instrumental particularly among new to credit and if we can work to integrate technology with policy, innovation, inclusion and growth with responsibility, we will not only transform our economy but also offer a blueprint for the world. We are moving from scale to complexity where expectations are higher, risks are sharper and systems will be tested far more rigorously, he added.
Mr Nagaraju stated three strategies for vision 2030 which includes growth which is deeply financed, widely accessible and sustainably supported. Capital is not merely a resource but an engine of opportunity. Secondly, there is a need to enhance the quality and depth of financial inclusion. “Growth that is not inclusive cannot be sustained over a long period of time. A strong financial system must be capable of supporting growth during favorable times but also withstanding shocks during periods of uncertainty,” he noted.
Speaking on new technology and AI, Mr Nagaraju said that technology will play important role not only in driving innovation but also in strengthening supervision, risk management and fraud prevention. “AI has potential to make financial inclusion not just socially desirable but commercially sustainable. AI must be seen not just as a disruptor but as an enabler of responsible inclusion. Cyber security threats, data privacy concerns, credit and asset quality risk, trust deficit are some challenges which needs to be managed to sustain long-term growth,” he added.
Mr Atul Kumar Goel, Chief Executive, IBA said that over the last few years, we have witnessed a transformation in India’s financial landscape. “Convergence of banks, fintech and digital public infrastructure has enabled us to expand along with improving efficiency and strengthening overall financial architecture,” he added.
Ms Jyoti Vij, Director General, FICCI said that the financial sector is undergoing significant transformation, and the innovation eco-system requires trust, governance, consumer protection, coordination remain critical principles for the momentum to be a sustainable Indian fintech eco-system.
* UPI operational in many countries reflects not just widespread adoption but emergence of UPI as foundation pillar of India’s digital economy, financial inclusion
* As we step into India’s digital decade, our vision is to push India as a global leader in digital governance where technology empowers every citizen
Mr M Nagaraju, Secretary, Department of Financial Services, Ministry of Finance, Govt of India today said that the India continues to stand out as the bright spot in the world economy despite global headwinds, geo-political conflicts, supply chain realignments along with elevated interest rates. India’s banking and financial system has already demonstrated its ability to transform at scale. The next phase will test our ability to integrate advanced technologies responsibly, secure systems against threats, protect citizen data and expand access while maintaining stability. “GDP growth rate of 2025-26 is at 7.6 per cent which is higher than 2024-25 when it was 7.1 per cent,” he added.
Addressing the ‘PICUP Fintech Conference & Awards’, organized by FICCI, jointly with IBA, Mr Nagaraju stated that the gross NPAs of public sector banks are at record low level in India at 2.2 per cent and net NPA around 0.5 per cent. Highlighting the important achievement for the government, he added that financial inclusion is central to building a resilient and equitable financial eco-system. Over the past decade, India has emerged as the global benchmark in financial inclusion. “Pradhan Mantri Jan Dhan Yojna is the heart of financial inclusion under which 58 crore bank accounts opened, and half of these account holders are women,” he emphasized.
The PM Jeevan Jyoti Bima yojana and PM Suraksha Bima yojana together, he stated that have enrolled 84 crore beneficiaries and 39 lakh crore loans disbursed under Mudra loan. “Today, as we step into India’s digital decade, our vision is to push India as a global leader in digital governance where technology empowers every citizen. The heart of this is India emerging as a leader of digital public infrastructure including Aadhar, UPI, account aggregator framework, etc.,” noted Mr Nagaraju.
Speaking on the importance of UPI, Mr Nagaraju said that around 22 billion transactions were made last month with total value surpassing Rs 29 trillion. “UPI has emerged as the largest real time retail payment system in the world. India’s digital payment system is now expanding beyond our borders. UPI is operational in many countries and several more are in pipeline. This scale reflects not just widespread adoption but the emergence of UPI as a foundation pillar of India’s digital economy and financial inclusion,” he added.
Highlighting the importance of Fintechs, Mr Nagaraju said that India has today, the largest and fastest growing fintech eco-system in the world. Fintechs companies in India have been instrumental particularly among new to credit and if we can work to integrate technology with policy, innovation, inclusion and growth with responsibility, we will not only transform our economy but also offer a blueprint for the world. We are moving from scale to complexity where expectations are higher, risks are sharper and systems will be tested far more rigorously, he added.
Mr Nagaraju stated three strategies for vision 2030 which includes growth which is deeply financed, widely accessible and sustainably supported. Capital is not merely a resource but an engine of opportunity. Secondly, there is a need to enhance the quality and depth of financial inclusion. “Growth that is not inclusive cannot be sustained over a long period of time. A strong financial system must be capable of supporting growth during favorable times but also withstanding shocks during periods of uncertainty,” he noted.
Speaking on new technology and AI, Mr Nagaraju said that technology will play important role not only in driving innovation but also in strengthening supervision, risk management and fraud prevention. “AI has potential to make financial inclusion not just socially desirable but commercially sustainable. AI must be seen not just as a disruptor but as an enabler of responsible inclusion. Cyber security threats, data privacy concerns, credit and asset quality risk, trust deficit are some challenges which needs to be managed to sustain long-term growth,” he added.
Mr Atul Kumar Goel, Chief Executive, IBA said that over the last few years, we have witnessed a transformation in India’s financial landscape. “Convergence of banks, fintech and digital public infrastructure has enabled us to expand along with improving efficiency and strengthening overall financial architecture,” he added.
Ms Jyoti Vij, Director General, FICCI said that the financial sector is undergoing significant transformation, and the innovation eco-system requires trust, governance, consumer protection, coordination remain critical principles for the momentum to be a sustainable Indian fintech eco-system.
Instant Working Capital Loans Are Changing How Corporates Handle Short‑Term Needs, Says Kotak
After disbursing more than Rs. 9,000 crore through a pilot phase, Kotak Mahindra Bank has expanded instant Working Capital Demand Loans for corporate customers, indicating that faster access to short‑term loans is beginning to influence how companies handle routine funding needs.
The facility allows eligible corporates to access working capital loans within seconds through a digital process, removing manual steps and banking cut‑off times that traditionally delayed access even when limits were already sanctioned.
“Customers are now accessing working capital when the requirement arises, rather than planning around banking timelines,” said Anu Aggarwal, President and Head of Corporate & Transaction Banking at Kotak Mahindra Bank.
Working capital loans are among the most frequently used banking products by corporates, supporting everyday requirements such as inventory purchases, vendor payments and salary disbursements. Despite being pre‑approved, access has historically depended on fixed working hours and operational processing.
That pattern is now beginning to change. Kotak has enabled corporate customers to access working capital loans within seconds through its corporate digital platform, fyn (for your needs). Companies request loans by entering basic details such as the loan amount and tenure, after which pricing and checks are completed digitally and funds are credited almost immediately.
“We have reduced disbursement time from several hours to a few seconds,” Aggarwal said, adding that this allows companies to respond to operational needs as they arise rather than building buffers purely to manage delays.
According to the bank, early usage patterns suggest a behavioural shift. Companies are increasingly accessing working capital later in the day, without factoring in cut‑off times that earlier dictated when requests had to be placed.
“Earlier, customers had to submit requests before fixed hours. That constraint is no longer there for eligible customers,” Aggarwal said.
Kotak said adoption during the pilot phase has been strongest among SMEs and mid‑market companies, where even short delays in accessing working capital can disrupt operations. The bank is now extending the facility to larger corporates and conglomerates.
The emphasis on working capital reflects its scale in corporate banking. Bank estimates indicate that close to 70 percent of corporate loan journeys are linked to working capital, making it one of the most frequent interactions between corporates and lenders.
Aggarwal described instant working capital loans as a “game changer” for corporate banking, particularly in an environment marked by uneven demand cycles and delayed receivables.
“Corporates increasingly expect banking processes to move at the pace of their business,” she said.
Industry observers note that while retail banking in India adopted instant payments and real‑time access several years ago, corporate loan processes evolved more slowly due to operational complexity. Recent adoption suggests that automation is now being applied to routine, high‑frequency corporate loan actions rather than only to front‑end services.
The instant loan capability forms part of Kotak’s broader digital push through the fyn platform, which integrates payments, collections, trade services and loans. The bank has also been digitising routine service requests such as account statements, tax certificates and reconciliations, and working on deeper integrations with corporate systems.
Whether instant working capital loans become standard practice across the sector will depend on how widely similar systems are adopted. For companies already using the facility, the impact is immediate. What began as a technology upgrade is now starting to change how corporates access short‑term loans and align funding availability more closely with business needs.
The facility allows eligible corporates to access working capital loans within seconds through a digital process, removing manual steps and banking cut‑off times that traditionally delayed access even when limits were already sanctioned.
“Customers are now accessing working capital when the requirement arises, rather than planning around banking timelines,” said Anu Aggarwal, President and Head of Corporate & Transaction Banking at Kotak Mahindra Bank.
Working capital loans are among the most frequently used banking products by corporates, supporting everyday requirements such as inventory purchases, vendor payments and salary disbursements. Despite being pre‑approved, access has historically depended on fixed working hours and operational processing.
That pattern is now beginning to change. Kotak has enabled corporate customers to access working capital loans within seconds through its corporate digital platform, fyn (for your needs). Companies request loans by entering basic details such as the loan amount and tenure, after which pricing and checks are completed digitally and funds are credited almost immediately.
“We have reduced disbursement time from several hours to a few seconds,” Aggarwal said, adding that this allows companies to respond to operational needs as they arise rather than building buffers purely to manage delays.
According to the bank, early usage patterns suggest a behavioural shift. Companies are increasingly accessing working capital later in the day, without factoring in cut‑off times that earlier dictated when requests had to be placed.
“Earlier, customers had to submit requests before fixed hours. That constraint is no longer there for eligible customers,” Aggarwal said.
Kotak said adoption during the pilot phase has been strongest among SMEs and mid‑market companies, where even short delays in accessing working capital can disrupt operations. The bank is now extending the facility to larger corporates and conglomerates.
The emphasis on working capital reflects its scale in corporate banking. Bank estimates indicate that close to 70 percent of corporate loan journeys are linked to working capital, making it one of the most frequent interactions between corporates and lenders.
Aggarwal described instant working capital loans as a “game changer” for corporate banking, particularly in an environment marked by uneven demand cycles and delayed receivables.
“Corporates increasingly expect banking processes to move at the pace of their business,” she said.
Industry observers note that while retail banking in India adopted instant payments and real‑time access several years ago, corporate loan processes evolved more slowly due to operational complexity. Recent adoption suggests that automation is now being applied to routine, high‑frequency corporate loan actions rather than only to front‑end services.
The instant loan capability forms part of Kotak’s broader digital push through the fyn platform, which integrates payments, collections, trade services and loans. The bank has also been digitising routine service requests such as account statements, tax certificates and reconciliations, and working on deeper integrations with corporate systems.
Whether instant working capital loans become standard practice across the sector will depend on how widely similar systems are adopted. For companies already using the facility, the impact is immediate. What began as a technology upgrade is now starting to change how corporates access short‑term loans and align funding availability more closely with business needs.
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