Groundnut Oils-Your search for a no cholesterol oil ends here

Groundnut Oils-Your search for a no cholesterol oil ends here

Groundnut Oils-Your search for a no cholesterol oil ends here

Off late consumers have turned extra careful about the food and food ingredients intake. If you’re one of us, you will feel relived with this piece of information that groundnut oil is free from the harmful cholesterol. It is a mild-tasting vegetable oil made from groundnuts; it is rich in vitamin E and, also reduces the risk of heart disease and lowers bad cholesterol levels. Mind that, the oil contains absolutely no cholesterol!. Besides, the oil serves as an important source of energy and supply specific nutritional requirements to human bodies. However, with the variety of brands being available in the retail market, it is sometimes confusing to spot the best brand. Isn’t it? Here, we have attempted to make your task easy by testing 12 refined and filtered groundnut oil brands and brought to you the best one in the following report.

A Consumer Voice Report

Groundnut oil contains heart-friendly MUFA (Mono-unsaturated Fatty Acids) that lowers the level of bad cholesterol in our body without lowering the levels of good cholesterol. The oil is also low in saturated fats and high in unsaturated fats with a good percentage of monounsaturated and omega 6 fatty acids. It also does not transfer flavor to food while cooking and has a good smoking point which means it can be cooked at high temperatures.

How We Test

Consumer VOICE tested 12 popular brands of groundnut oils and evaluated each brand on parameters including organoleptic tests, MUFA, PUFA, iodine value, unsaponifiable matter, saponification value, refractive index, bellier turbidity temperature, peroxide value, saturated fatty acids, moisture and insoluble impurities, argemone oil, flash point, and aflatoxin among others.
The test program for groundnut oil was based on FSS regulation and Indian Standard IS: 544-2014, which covers the product requirements. The Indian Standard (IS 544: 2014) though prescribes 5 grades of the oil, yet, refined, grade 1 and 2 express type and refined solvent types are recommended for direct edible purposes.
The team purchased 12 groundnut oils samples marketed in the country and sent for laboratory testing. The testing was performed at a reputed laboratory with accreditation from the National Accreditation Board of Test Laboratories (NABL).

Brands Tested

The following table contains results of the 12 brands of refined and filtered groundnut oils. A quick glance below will help one to know the best brand in both the filtered and refined categories.

Filtered/Virgin Groundnut Oils

 

Rank Score Out of 100 (Rounded off) Brands Net Quantity MRP

in Rs

Best before, Month Manufactured/ Marketed by
1 88 Gemini 1L (910

gm)

170 9 Cargill India Pvt. Ltd.,
1 88 Fresh &

Pure

1L (910

gm)

170 9 Future Consumer Limited,
2 87 Ankur 1L (910

gm)

180 12 Ankur Oil Industries
2 87 Porna 1L (910

gm)

175 6 SKM Foods Foods (Edible Oil Division)

 

SKM Animal Feeds and Foods (India) Pvt. Ltd.,

2 87 Dhara 1L (910

gm)

173 8 Mother Dairy Fruit & Vegetable Pvt. Ltd.,
2 87 Patan- jali 1L (910

gm)

155 9 Patanjali Ayurved Limited.,
2 87 Gulab 1L (910

gm)

145 12 Gulab Oil & Foods Pvt. Ltd.,

Refined Groundnut Oils

 

Rank Total Score Out of 100 (rounded off) Brands Net quantity MRP in Rs Best before, Month Manufactured/ Mar- keted by
1 90 Dalda 1L (910 gm) 185 9 Bunge India Pvt. Ltd.
2 89 Nature Fresh 1L (910 gm) 170 9 Cargill India Pvt. Ltd.,
2 89 Gagan 1L (910 gm) 191 9 Bunge India Pvt. Ltd.,
3 88 Fortune 1L (910 gm) 160 9 Adani Wilmar Ltd.,
3 88 Postman 1L (910 gm) 220 12 S.K. Oils.,

Key findings

In the filtered category, brand Gemini and Fresh & Pure secured number 1 position.
◆ In the refined category, Dalda scored highest followed by Nature Fresh and Gagan.
◆ Brands Gemini and Fresh & Pure are value for money oils in the filtered category and Nature Fresh in the refined category.
◆ In sensory tests, brand Dalda performed on top followed by Gagan and Ankur.
◆ Aflatoxin was not detected in any brand.
◆ All brands had met the Food Safety Standard Regulations requirement and thus they are safe for consumption.
◆ All the brands were free from adulteration.

CV Recommendations

Filtered

Gemini, Fresh & Pure

Refined

Dalda

Value For Money Brands

Filtered

Gemini, Fresh & Pure

Refined

Nature Fresh

Test Results

MUFA|PUFA| Iodine Value| Organoleptic Tests | Unsaponifiable Matter| Saponification value | Refractive Index| Bellier Turbidity Temperature| Peroxide Value | Saturated Fatty Acids| Trans Fatty Acids (Trans Fat)| Moisture and Insoluble Impurities| Test for Argemone Oil| Flash Point| Aflatoxin| Net Quantity| Packaging| Marking

 

    Filtered/Virgin Groundnut Oil Refined Groundnut Oil
Brand

Parameters

Wt. % Gemini Fresh &

Pure

Ankur Porna Dhara Patanjali Gulab Dalda Nature

Fresh

Gagan Fortune Postman
Organoleptic tests 12 10.66 10.41 10.84 10.61 10.32 10.68 10.7 11.01 10.14 10.92 10.71 9.87
Net Quantity 2 2 2 2 2 2 2 2 2 2 2 2 2
Presence of Mineral oil 3 3 3 3 3 3 3 3 3 3 3 3 3
Presence of Argemone oil 3 3 3 3 3 3 3 3 3 3 3 3 3
Refractive index 6 5.76 5.52 5.52 5.04 5.76 5.52 4.56 5.52 5.04 5.28 5.28 4.08
Moisture & insoluble impurities 5 4.00 4.00 4.00 4.00 3.60 3.80 4.00 4.00 4.40 4.20 3.80 4.40
Flash point 4 3.92 2.56 2.80 2.76 2.56 2.80 2.72 3.28 3.08 2.52 2.48 2.68
Saponification value 6 5.22 4.80 5.16 5.04 5.70 5.16 5.82 5.94 5.52 5.22 4.98 5.58
Iodine value (Wij’s) 6 4.75 5.71 5.21 4.78 5.42 4.94 4.68 4.92 5.47 4.58 5.11 5.71
Unsaponifiable matter 6 4.80 5.28 5.04 5.76 5.04 5.28 5.04 5.76 5.76 5.76 5.76 5.76
Bellier turbidity temperature 5 3.50 4.85 3.50 3.50 4.10 3.50 3.50 3.65 4.40 3.50 3.95 4.55
Aflatoxin 4 4 4 4 4 4 4 4 4 4 4 4 4
Acid value 5 4.50 3.90 3.70 4.20 3.80 4.00 3.80 4.50 4.50 5.0 4.50 4.50
Peroxide value 5 4.42 4.51 4.85 4.45 4.19 4.42 4.79 4.80 3.26 4.68 4.80 3.42
Saturated fatty acids 5 3.96 3.86 3.98 4.08 3.86 4.02 4.26 3.64 4.06 3.98 3.78 4.20
Monounsaturated fatty acids 7 5.80 5.47 6.02 6.33 5.68 6.13 6.60 5.38 5.64 5.87 5.42 5.24
Polyunsaturated fatty acids 7 6.08 6.33 5.87 5.61 6.08 5.78 5.49 6.27 6.31 6.02 6.33 6.80
Trans fatty acids 3 3 3 3 3 3 3 3 3 3 3 3 3

COMPARATIVE PERFORMANCE SCORE

 

Filtered/Virgin Groundnut Oil Refined Groundnut Oil
Brand

Parameters

Wt. % Gemini Fresh &

Pure

Ankur Porna Dhara Patanjali Gulab Dalda Nature

Fresh

Gagan Fortune Postman
Organoleptic tests 12 10.66 10.41 10.84 10.61 10.32 10.68 10.7 11.01 10.14 10.92 10.71 9.87
Net Quantity 2 2 2 2 2 2 2 2 2 2 2 2 2
Presence of Mineral oil 3 3 3 3 3 3 3 3 3 3 3 3 3
Presence of Argemone oil 3 3 3 3 3 3 3 3 3 3 3 3 3
Refractive index 6 5.76 5.52 5.52 5.04 5.76 5.52 4.56 5.52 5.04 5.28 5.28 4.08
Moisture & insoluble impurities 5 4.00 4.00 4.00 4.00 3.60 3.80 4.00 4.00 4.40 4.20 3.80 4.40
Flash point 4 3.92 2.56 2.80 2.76 2.56 2.80 2.72 3.28 3.08 2.52 2.48 2.68
Saponification value 6 5.22 4.80 5.16 5.04 5.70 5.16 5.82 5.94 5.52 5.22 4.98 5.58
Iodine value (Wij’s) 6 4.75 5.71 5.21 4.78 5.42 4.94 4.68 4.92 5.47 4.58 5.11 5.71
Unsaponifiable matter 6 4.80 5.28 5.04 5.76 5.04 5.28 5.04 5.76 5.76 5.76 5.76 5.76
Bellier turbidity temperature 5 3.50 4.85 3.50 3.50 4.10 3.50 3.50 3.65 4.40 3.50 3.95 4.55
Aflatoxin 4 4 4 4 4 4 4 4 4 4 4 4 4
Acid value 5 4.50 3.90 3.70 4.20 3.80 4.00 3.80 4.50 4.50 5.0 4.50 4.50
Peroxide value 5 4.42 4.51 4.85 4.45 4.19 4.42 4.79 4.80 3.26 4.68 4.80 3.42
Saturated fatty acids 5 3.96 3.86 3.98 4.08 3.86 4.02 4.26 3.64 4.06 3.98 3.78 4.20
Monounsaturated fatty acids 7 5.80 5.47 6.02 6.33 5.68 6.13 6.60 5.38 5.64 5.87 5.42 5.24
Polyunsaturated fatty acids 7 6.08 6.33 5.87 5.61 6.08 5.78 5.49 6.27 6.31 6.02 6.33 6.80
Trans fatty acids 3 3 3 3 3 3 3 3 3 3 3 3 3

TEST PARAMETERS

Organoleptic Tests

This is a very important parameter where subjective panel tests were conducted based on their critical examination and opinion. These tests were conducted in the lab involving panel members under the supervision of trained experts. Panelists judged the groundnut oil brands on the criteria/attributes including colour and appearance, flavour/odour, visual defects, taste, and overall acceptance. Among the brands tested, Dalda was liked most followed by Gagan and Ankur.

Monounsaturated Fatty Acids (MUFA)

Monounsaturated fatty acids (MUFAs) are a healthy type of fat. MUFA as per the dietary recommendation help in biochemical processes associated with nerves, brains, heart, digestion, and cell maintenance. MUFAs lower the level of bad cholesterol (LDL) in the blood and raise the good cholesterol (HDL). MUFA results are given below:

S.No Brand Results, %
1. Ankur 58.0
2. Dalda 53.4
3. Dhara 55.9
4. Fortune 53.7
5. Fresh & Pure 54.1
6. Gagan 56.9
7. Gemini 56.4
8. Gulab 62.2
9. Nature Fresh 55.3
10 Patanjali 58.8
11. Porna 60.2

Polyunsaturated Fatty Acids (PUFA)

Polyunsaturated fats can help reduce bad cholesterol levels in the blood which can lower the risk of heart disease and stroke. Highest PUFA was found in Postman and it was lowest in Gulab.

Iodine Value

The iodine value is a quality test for edible oils which is a measure of the unsaturation of fats and oils and is expressed in terms of the number of centigrams of iodine absorbed per gram of sample. The iodine value of groundnut oil should be between 85 – 99. All the brands found within the required limit. However, Fresh & Pure and Postman scored highest in this parameter and Gagan scored the lowest.

Saponification Value

Saponification value helps to detect the presence of other oils/fats. The saponification value of groundnut oil should be between 188 – 196. All brands were found within the specified limit. However, Dalda scored highest in this parameter.

Unsaponifiable Matter

Unsaponifiable matter includes those substances frequently found dissolved in fatty acids and drying oils which cannot be saponified by caustic treatment, but which are soluble in the normal fat solvents. The unsaponifiable matter should not be more than 1.0 per cent in groundnut oil. All the brands were found within the specified limit.

Refractive Index

The refractive index of oil can be used to detect rancidity in edible oil. It should be between 1.4620-1.4640. All the brands were found within the specified limits. However, brands including Gemini and Dhara scored highest in this parameter.

Bellier Turbidity Temperature (BTT)

BTT test is useful to check the purity of groundnut oil. It should be in the range of 39°C to 41°C. All brands were found within specified limit and Fresh & Pure scored highest in this parameter.

Acid Value

As per the FSS Regulation, acid value should not be more than 6.0 and it should be 0.5 for the refined grade. All brands were passed this test. Filtered oils were found having the acid value higher than refined oils but all brands met the standard requirement.

Peroxide Value

The peroxide value is defined as the amount of peroxide oxygen per 1 kilogram of fat or oil. Peroxide value is the most commonly used assay for measuring the state of oxidation in fats and oils and its value measures the oxidative rancidity or degree of oxidation of the fat/oil, but not its stability. The maximum level of peroxide value should be at 10 meq/kg for refined oil and 15 meq/ kg for filtered groundnut oil. All the brands passed this test. However, brands such as Ankur, Dalda and Fortune scored highest in this parameter.

Saturated Fatty Acids

Eating foods that contain saturated fats raises cholesterol level in your blood. Saturated fats raise HDL cholesterol and change LDL from small, dense (bad) to large LDL, which is mostly benign. Saturated fat was highest in Dalda and lowest in Gulab brand.

Trans Fatty Acids (Trans Fat)

Just like saturated fats, they also raise the level of ‘bad’ cholesterol in our blood. Trans fat was not detected in any brand.

Moisture and Insoluble Impurities

Moisture and insoluble impurities may present in edible oils. The amount of water should be as low as possible. Its permissible limit is 0.1 per cent for refined oils. All the brands were found within the permissible limit of 0.1 per cent. However, Nature Fresh and Postman scored highest in this parameter.

Presence of Mineral Oil

Mineral oil is colorless, odorless, light mixtures of higher alkanes. Mineral oil should not there in groundnut oil. Adulteration of vegetable oil is usually by using mineral oils or any other cheaper oil. All the brands were found free from mineral oil.

Test for Argemone Oil

Argemone oil is very toxic and may cause eye disease leading to blindness. Regular consumption of it may also cause disease called epidemic dropsy, resembling wet beriberi. Argemone oil should be absent in groundnut oil. In our test report, Argemone oil was found absent in all the brands tested.

Flash Point

The flash point of a volatile material is the lowest temperature at which it can vaporize to form an ignitable mixture in air. At the flash point, the vapor may cease to burn when the source of ignition is removed. It should not be less than 250 oC for refined groundnut oils. Higher the flash point of groundnut oils, the lower is the risk of ignition in the oils. Gemini scored highest in this parameter and other brands of groundnut oil were found with a good flash point.

Aflatoxin

A kind of toxin or poison produced by the mold Aspergillus flavus. When animals or humans consume these compounds, they may produce severe undesirable health effects. Agmark is more stringent, requiring an absence of this carcinogen. Aflatoxin generally develops due to poor oil seed storage conditions and presence of undesirable moisture present in the oil seed that enable Aflatoxin to develop in the stored oil seeds. It should not be 10 µg/kg maximum as per FSSR. All brands passed the FSS Regulation limit for Aflatoxin.

PHYSICOCHEMICAL TESTS

Net Quantity

According to legal metrology (packaged commodity) rules for 1000-10000 ml tolerance allowed is 1.5 per cent. All the brands were found above the claimed quantity.

Packaging

Packing of the groundnut oil should be of food- grade packing material that should not affect the properties of oil as well as also maintains the shelf life of the product as far as possible. Brands Fortune, Fresh & Pure, and Gemini oils were packed in a poly pack. Dhara was packed in Tetra Packing. The rest of the brands were packed in a 1 ltr plastic bottle.

Marking

These details should be clearly and indelibly marked on the pack including name of the material, type or grade, manufacturer’s name, and trademark, batch/code number, month and year of manufacture, best before, net quantity, green dot, MRP and customer care details. All the brands had the desired label information and most of the brands had mentioned nutritional values of the groundnut oil on their packaging.

Conclusion

We collected 12 popular brands of refined and filtered groundnut oils from the retail market and tested in a NABL accredited laboratory following the national standard (Food Safety and Standard Regulations). All brands had met the national standards, Food Safety Standard Regulations requirements and thus safe for consumption. Brands Gemini and Fresh &Pure secured number 1 position in the filtered category. In refined category, Dalda secured number 1 position. We found all the brands were free from the adulteration of other oils.

DID YOU KNOW?

Refined Vs Filtered(Kachi Ghani): Refined oil is a product obtained after treating natural oils with various chemicals which can cause various diseases such as cancer, diabetes, heart and kidney ailments, among others. However, “oil extracted through “Filtered/Virgin” process is unrefined oil. The filtered oils are better than refined ones. Also, filtered oils are produced at a lower temperature which retains most of the nutrition. Yes, filtered oils do have a strong aroma which makes them unwanted for deep frying as they can overpower the taste of food. So we would advise that it’s better to consume filtered oils regularly as they are healthier and refined oils to be consumed for certain types of cooking methods.

TIPS TO CONSUMERS

All brands had mentioned about its shelf life of 6-12 months. The consumers must keep this in mind while buying groundnut oil (particularly large pack of above 5-liter capacity), must ensure that the shelf life is adequate that would remain stable within the consumption period for which large pack is purchased.

MUFA, PUFA, Saturated Fats and Trans fat

 

Monounsaturated Polyunsaturated Saturated Trans
Good Fat Good Fat Bad Fat Bad Fat
Reduces bad cholesterol Reduces bad Increases overall cholesterol Increases the bad
(LDL) levels and cholesterol (LDL) levels, especially bad cholesterol (LDL) level
increases good levels cholesterol and decreases good
cholesterol (HDL) levels     cholesterol (HDL) levels
Found in nuts and seeds, avocados, olive oil, and canola oil Found in fatty fish such as salmon, mackerel, trout and sardines,

and also in corn, safflower, sunflower and soybean oils

Found in animal-based foods such as meat, poultry and eggs, and also in butter, cream, and other dairy products

Also found in plant-based products such as coconut, coconut oil, palm oil and palm kernel oil, and cocoa butter

Found in hydrogenated fat products such

as margarine and vegetable shortenings

Used in packaged snack foods such as cookies, crackers, and chips, and fried foods

How to Best Match Your Oils to Foods

The only way to ensure that you consume healthy oil is by switching between two-three of them – for instance, by using groundnut oil one month and then using sunflower oil/mustard oil in another. Any single oil alone is not preferred.

Blending oils is another option, whereby you take equal proportions of different oils in one container and then use it. This way you do not get prolonged exposure to the side effects of one type of oil and also get the benefits of different oils.

You could also have two or more different kinds of oils in your kitchen which you could use for different purposes. For example, you could use olive oil for salads, groundnut/rice bran oil for frying, and mustard/soybean/sunflower oil for other cooking purposes. This will let you avail of the health benefits offered by each oil brand.

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Ketchup and Sauces

Ketchup and Sauces

Ketchup and Sauces What makes your samosa or your pakoda tasty? No…not only the masala that goes into it but the tomato ketchup or sauce that accompanies it.
curd
To make burgers and sandwiches tastier, we use a variety of sauces or ketchup – be it tomato ketchup or mustard sauce, mayonnaise or barbecue sauce – the snacks are incomplete with it. However, at the same time, it is important to know not only which is the best but also which is the healthiest. Consumer VOICE has analyses different brands to find the best one for you!
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Tomato Ketchup-Which is the best buy for you?

Tomato Ketchup-Which is the best buy for you?

Tomato Ketchup-Which is the best buy for you?

The red, juicy-tomato ketchup makes our monsoon merrier. As during monsoon, we tend to consume more fried/fast foods including pakodas, toast, bread, French fries, fried chicken or burger served with tomato ketchup. Loved by children and adults alike, tomato ketchup is a super taste enhancer for sure. However, just because tomato ketchup is a perfect match for those foods, one should not consume it a lot. As too much consumption of tomato ketchup for a long period may have some adverse effects on human health. Moreover, tomato ketchup is generally laced with preservatives, sugar, salt, and vinegar. Here, the Consumer Voice team evaluated nine different tomato ketchup brands as per the relevant national standards so that the consumers buy only the best.

A Consumer Voice Report

Each brand was evaluated on parameters including lycopene content, soluble solids, acetic acid, salt, preservative, toxic metals, microbiological test, packaging, labeling and net weight among others.

Tested Brands

The team tested nine different popular tomato ketchup brands. One may see the table below to understand which brand scored high in this evaluation process.

Rank Total Score out of 100 (rounded off) Brand Quantity, gms

MRP,

Rs.

Best Before, Months Manufacturer/ marketer
1 87 Maggi 500 97 12 Nestle India Ltd.
1 87 Heinz 450 99 12 Heinz India (P) Ltd.
2 86 Delmonte 500 95 9 Field Fresh Foods Pvt. Ltd.
2 86 Cremica 950 155 12 Cremica Food Industries Ltd.
3 85 Kissan 500 99 12 Hindustan Unilever Ltd.
4 84 Reliance 1000 150 12 Reliance Retail Ltd.
4 84 Tops 1000 140 18 G.D. Foods MFG. (I) Pvt. Ltd.
5 83 Patanjali 500 70 12 Patanjali Ayurved Limited
5 83 Tasty Treat 500 90 12 Future Consumer Enterprises Ltd.

CONSUMER VOICE RECOMMENDATION

Maggi and Heinz

Key findings

• Brands Maggi and Heinz were the top performers.

• Of the tested nine brands, Heinz is the only tomato ketchup brand that came out with no preservative.

• Patanjali had the highest level of lycopene (6.8 mg out of 100gm) followed by Delmonte (6.2 mg out of 100gm) and Maggi (5.5 mg out of 100gm). Lycopene is a powerful antioxidant, with many health benefits. The more the lycopene, the more is the ripened tomato content.

• Cremica got the highest points in sensory panel tests followed by Kissan and Heinz. Sensory panel tests were conducted in a test lab involving experienced lab scientists under the supervision of technical experts.

• All the brands were found well within the specified limits of heavy metal (arsenic and lead), microbiological tests (total plate and mould count along with yeast and spores).

• All the brands met the minimum requirements specified in the national standards, making them safe for consumption. However, moderate consumption is advisable since ketchups contain
preservatives, salt, and vinegar.

How We Test

The tomato ketchup samples were examined as per the test program developed by VOICE Society based on FSSAI regulations and relevant Indian standard IS: 3882. The comparative testing was conducted as per the standard test methods and requirements applicable to the product. The designated NABL accredited laboratory had conducted testing on masked and coded samples and accordingly the test report was issued to us.

Physico-chemical Scores of Tested Brands

Brands Parameter

Wt.

%

Maggi Heinz Delmonte Cremica Kissan Reliance Tops Patanjali Tasty Treat
Net weight 3 3 3 3 3 3 3 3 3 3
Total soluble solids 8 6.70 6.42 7.02 6.70 6.75 7.35 6.92 7.09 6.90
Specific gravity 6 5.39 5.24 5.68 5.39 5.42 5.86 5.57 5.75 5.53
Acidity as acetic acid 6 5.28 5.64 5.28 6.00 5.28 5.82 5.28 5.28 5.28
Preservative as Benzoic acid 4 3.77 4.0 2.29 2.16 1.88 2.19 2.53 1.87 1.77
Lycopene 12 7.68 7.01 8.35 5.09 6.53 3.84 6.53 8.93 4.80
Product Fill 5 4.75 4.70 4.50 4.87 4.52 4.72 4.75 4.75 4.52
Salt as NaCl 4 3.28 2.08 2.56 3.04 3.04 2.56 2.80 2.56 3.04
Heavy Metals
Arsenic 2.5 2.5 2.5 2.0 2.5 2.0 2.5 1.5 2.5 2.5
Lead 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5
Organoleptic Tests 36 31.33 32.64 32.31 33.90 32.70 32.62 31.54 28.06 32.18

TEST RESULTS
Lycopene Content | Total Soluble Solids | Specific Gravity | Acidity expressed as acetic acid | Product Fill | Preservatives as Benzoic Acid | Salt as NaCl | Organoleptic (Sensory) Tests | Toxic Metals | Microbiological Tests | Net weight | Packaging | Labeling

Infographic by Ashita Sharma

• Lycopene Content

The more the lycopene, the more is the ripened tomato content. Low levels of lycopene indicate the use of either less or unripe quantity of tomato pulp or poor quality of tomatoes. There is no specified requirement for lycopene in the BIS or Food Safety and Standards Regulations. Patanjali was found with the highest level of lycopene at 6.8 mg out of 100gm, followed by Delmonte at 6.2 mg out of 100gm and Maggi at 5.5 mg out of 100gm.

• Total Soluble Solids (TSS)

A total soluble solid is an expression for the combined content of all inorganic and organic substances contained in a liquid. The main ingredients of the tomato ketchup are water, tomato paste, sugar, salt and a minor quantity of vinegar, spices, preservative, etc. As per the national standards (BIS & FSS Regulations,), tomato ketchup should not have less than 25 % of total soluble solids. The tested brands were found well above the minimum requirement of 25%. Highest TSS was found in Reliance and lowest in Heinz.

• Specific Gravity

As per the BIS standard, the specific gravity should be at 1.111 minimum. The tested brands passed this level of requirement as well.

• Acidity expressed as acetic acid

Acidity content in tomato ketchup is related to the shelf life of the product. If acidity (acetic acid) is lower than the minimum limit, microbes may grow and will allow contamination of the product thereby reduce the shelf life of the product. All the brands met the standard requirement and passed the test. However, Cremica secured the highest in this parameter.

• Product Fill

The container should be well filled with the product and occupy not less than 90.0 percent of the net weight of the container when packed in a bottle. The tested brands had met this specific requirement as well. Cremica scored highest in this parameter followed by Maggi and Patanjali.

• Preservative as Benzoic Acid

Benzoic acid is a preservative. The presence of preservative generally increases the shelf life of the product and prevents the deterioration of nutritional values, taste, odour and microbial contamination. However, an excess amount of preservative is not desirable. As per the standards, the product should not contain more than 750 ppm (parts per million)of permissible preservatives. All the brands were found within the limit. This preservative was found absent in Heinz tomato ketchup as claimed by them.

• Salt as NaCl

There is no specified requirement in FSSAI and BIS regulations for salt in tomato ketchup. Salt is used in tomato ketchup for taste enhancement. In our test, we found salt was the highest in Heinz at 3.1 percent and it was the lowest in Maggi at 2.6 percent.

• Organoleptic (Sensory) Tests

Tomato ketchup is a fun food and taste enhancer consumed in limited quantity, therefore, this parameter is the most important and given the highest point of 36 percent. Sensory panel tests were conducted in a test lab involving experienced lab scientists under the guidance/supervision of technical experts. The tests were conducted as per the specifications laid down in the BIS including Colour, Consistency, Taste & Flavour and Absence of defects.

The nine brands achieved the following points given in the table below:

S. No. Brand Score out of 36
1. Cremica 33.90
2 Kissan 32.70
3. Heinz 32.64
4 Reliance 32.62
5. Delmonte 32.31
6 Tasty Treat 32.18
7. Tops 31.54
8 Maggi 31.33
9. Patanjali 28.06

**Cremica topped the sensory tests followed by Kissan and Heinz.

• Toxic Metals

Toxics like arsenic and lead are a cumulative poison that enters either through the soil or during production. These accumulate in the body and cause irreversible damage to the brain, nerve cells, red blood cells, and the kidneys. The permissible limit for arsenic in tomato ketchup is a maximum of 1.1 ppm, and for lead, it is a maximum of 2.5 ppm. All the brands were found well within the limit of the specified standard. However, traces of arsenic were detected in Top, Delmonte, and Kissan, but well within the specified limit.
Lead was not detected in any brand up to the detection limit of DL-0.1mg per kg.

• Microbiological Tests (yeast, mould, and bacteria)

Microbiological contamination is a very important factor in determining the quality of food products. Microbiological tests were conducted for three major microbes present in food products as TPC (Total plate count), mould count and yeast and spores count. These microorganisms are responsible for many foods borne diseases. Due to improper or poor manufacturing practices microorganisms occur in the finished product. As per the national standards (FSS Regulation), the product should comply with the following requirements:

 1. Total Plate Count: Not more than 10000/ml,
 2. Yeast and Spores: Not more than 125 per 1/60 cmm,
 3. Mould Count: Positive in not more than 40 % of the field examined.

All the brands passed this test.

• Net Weight

The weight of the tomato ketchup was measured and compared with the declared values on their packaging. Legal metrology rule has specified different tolerances for different sizes of packs. In our comparative test, all the brands passed this evaluation level as they were found carrying the declared net weight.

• Packaging

Packing is an important part of the product for maintaining its consistent quality. It should be user- friendly with the shape and size of the package. Seven out of nine brands were packed in a glass bottle, two in plastic bottles. All the brands met this standard requirement.

• Labeling

The following information should be marked on the product label:
Name of the material, name and address of the manufacturer, batch number, date or month of manufacture, net weight of the contents (in gms / kilograms), list of ingredients, FSSAI license no, green dot mark (vegetarian mark), MRP in Rs, best before month and year, instructions for storage and use, nutritional facts/information and customer care contact details. All the brands passed this level of the test.

Should you avoid ketchup?

  • Gastric and allergic patients should consume tomato ketchup in a lesser quantity or avoid it. As tomato is full of acids, excessive consumption of tomato triggers various gastrointestinal Gastroesophageal Reflux Disease (GERD), commonly known as ‘acid reflux’, is a common intestinal disorder.
  • For some people, excessive lycopene can give allergic reactions too. Some of the symptoms of lycopene allergy include itching, rashes, hives, chest constriction, swollen lips, burning sensation in eyes, and so on.

Source: Stylecraze.com

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Why India is so cryptic about crypto?

Why India is so cryptic about crypto?

Why India is so cryptic about crypto?

Well, true! 

Cryptos have been quite popular in India and now with the imposition of 30% tax on all digital incomes including NFTs (Non-Fungible Tokens) and cryptos made the investors community lose a heart again. My introduction to crypto happened just a few months back; well, I heard about Bitcoin much before. Coming to crypto, it is a digital currency designed to work as a medium of exchange through a computer network that is not reliant on any central authority, such as a government or bank, to uphold or maintain it.

Along with the pandemic, which spurred the transition from online learning to online investing for many, the Supreme Court’s decision last year to revoke a 2018 ban on trading digital tokens has increased interest in cryptocurrency. Some teens are even convincing their parents to try a hand at trading digital tokens.

Besides, there have been a lot of discussions around this medium of exchange. Before the 30% tax imposition by our Finance Minister Nirmala Sitharaman in her Budget 2022 speech, there was enormous uncertainty surrounding the cryptocurrency transactions in India. Speculations were doing the rounds that there will be a bill /regulation on the crypto framework in India.

Then there were also views that India government might ban cryptos in India. However, settling the dust now, the imposition of 30% tax is a new addition to its working in India. So far, investors community have been voicing their demands asking to lower the tax because, the imposition of tax is on its income-mind it—only income. It does not include the operation revenue, cost and not to talk about any losses. Hence the doldrums!

However, there is a certain segment of investors/entrepreneurs who are quite optimistic and happy about the 30% tax also. Because, at least it cleared the air that the Indian government is not going to ban crypto in India-which was in speculation. Even then, experts are saying, even though the tax has come, but it does not mean that the government has legalised this. 

In fact, Finance Secretary TV Somanathan already stated that Bitcoin, Ethereum, and other cryptocurrencies along with NFTs will never become legal tender in India. He further cautioned that those investing in private crypto need to understand that such transactions don’t have government authorisation. On the contrary, there are talks of launching ‘digital rupee’, which is proposed to be launched by the RBI, to work as a legal tender.

Yet, the popularity of crypto in India is showing no sign of slowing down. Reportedly, in 2021, India recorded the second-highest number of cryptocurrencies users around the world, according to a recent report. It said that India is second only to Vietnam in the number of cryptocurrency users. 

Now, its only time that will decide the fate of cryptocurrency in India. Till then, keep reading the list of pieces we brought you this month. We’ve FSSAI CEO’s article on food procession system, electric chimneys, selecting the best sunflower oil brand and a lot more.

Do share your thoughts at info@consumer-voice.org.

Happy reading!

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Deets of availing a wedding insurance

Deets of availing a wedding insurance

Deets of availing a wedding insurance

Marriages are made heaven, true! But look at the present situation we have been surrounded with. There are slew of wedding arrangements getting cancelled due to the imposition of Covid curbs/restrictions etc. What if your money is stuck in arranging a wedding? I’m sure, you would be looking forward if there is an escape from this situation. So, our below piece brings you information on how you can insure a wedding. So that, if need be, your money does not get waste. 

Subas Tiwari

There are a host of insurance companies in the country selling wedding insurances to offer financial security ranging from wedding cancellation to theft of jewelry and sudden accident after a wedding. No one wants a wedding to be canceled or venue to be changed. Even if such a situation arises, you must ensure that there is no loss of money. And this is possible only if you get your wedding ceremony insured. Like other types of event insurance, wedding insurance is designed to protect you from various potential losses associated with your big day. Broadly speaking, these events generally fall under liability coverage or cancellation coverage.

Wedding insurance covers

1) Cancellation/postponement of the wedding event due to the following reasons:
  1. a) Earthquake/fire and other perils at the venue of the event
  2. b) Theft or burglary
If the person(s) named under the policy does not appear for the wedding event due to death, personal injury, hospitalisation and other reasons mentioned in the policy document. The sum insured under the policy covers costs of cards printed, advance paid to the caterer/wedding hall, and advance paid for decorations, hotel reservations/travel tickets. 2) Physical loss or damage to the property insured under the policy. The scope of cover is as follows.
  1. a) Earthquake & fire (related perils included)
  2. b) Theft or burglary
Material damage condition includes decoration costs, jewelry and stones, appliances, precious metals and others as specified in the policy document. 3) The Personal Accident cover provides the following benefits to the persons covered under the policy.
  1. a) Persons named in the policy which includes blood relation would be covered against accidental death.
  2. b) Permanent total disability and permanent partial disability is covered for persons whose name have been declared prior to availing the insurance.
4) The Public Liability cover ensures protection against injury/death arising out of accidents at the wedding venue. It also covers third party property damage.

How wedding insurance functions?

Applying for a wedding insurance is a quick and a hassle-free process. It broadly covers the loss due to certain situations that are out of your control. It cannot compensate for the emotional loss, but surely for the financial loss to some extent. Through the following steps, you can apply for the policy and make claims when needed:
  • Identify requirements and choose the most appropriate wedding plan
  • Submit the required documents and a duly filled application form
  • Insurance company verifies the details and determines the premium
  • In case of an eventuality, the beneficiary intimates the insurer about the same
  • The insurer investigates the claim and settles the same

Wedding insurance claim process

In case of an unwanted event or risk during the marriage ceremony, the policyholder can claim compensation by following the below steps:
  • Intimate the insurance company as soon as possible, after the eventuality occurs.
  • Fill up the claim form and submit it to the insurance company with other required documents.
  • A representative from the insurance company investigates the loss/damage.
  • If the claim is genuine the compensation amount is paid in the beneficiary account. Else the claim is rejected.
  • The insurance company may also decide to pay to the wedding venue or vendor directly.
  • If the policyholder is not happy with the claim amount or the resolution, he/she can raise a dispute in the court of law.

Documents required for claim process

The following documents are required to file the claim under the wedding insurance:
  • Duly filled in claim form
  • Photocopy of the policy
  • Details of the damaged property
  • List of valuables damaged/lost
  • Invoice or purchase receipt of the valuables
  • If there is a robbery or theft, a FIR copy
  • Credit card statements, purchase dates and location details of the lost/damaged property
  • Confirmation from a qualified expert, if any of the damage cannot be repaired

How long does it take to pay out a claim?

A wedding insurance claim can be settled within 30 days of the mishap. Even if the insurance company needs some clarification, it has to be done within these 30 days.

Wedding insurance exclusions

Wedding insurance covers multiple risks, but policyholders cannot claim wedding insurance for the following issues:
  • Terrorist attacks
  • Strike/civil unrest
  • Cancellation of the wedding
  • Kidnap of the bride/bridegroom
  • Loss of damage to the clothing and personal assets of the wedding guests
  • Unexplained or sudden unavailability of the wedding venue
  • Bride/bridegroom unable to join the wedding due to flight delay
  • Breakdown of the vehicle which prevents the bride/bridegroom from reaching the venue
  • Damage or destruction of the wedding venue as per the instructions of the policyholder
  • Damage caused to the wedding venue due to wear and tear with time, electrical or mechanical breakdown
  • Property damage due to negligence or lack of supervision

Reasons you will you get an insurance

  • Advance given to caterer
  • Advance money for any hall or resort booked for the wedding
  • Advance given to travel agencies
  • Hotel advance booking payment
  • Payment given on printing of wedding cards
  • For decoration and music
  • From wedding venue sets to other decorations
Companies such as ICICI Lombard, Future Generali, HDFC Argo, Bajaj Allianz General Insurance are providing wedding insurance in India.

Important aspects 

To get the best out of a wedding insurance, the below facts should be kept in mind:
  • Even if the expenses exceed, the company will pay only the sum insured
  • The bonds, bills and certificates for valuable need to be submitted to get the compensation for loss and damage of the same
  • To get the claim amount in less time, the insurance company must be provided with a clear breakup of the loss and damage
  • Wedding Insurance covers only the loss or damage of jewelry gifted by relatives and in- laws
  • If more vendors are engaged, the premium amount will also increase

Advantages of buying a wedding insurance

Some of the key benefits of a purchasing a wedding insurance are:
  • Premium is quite economical. It is only 0.7 to 2 per cent of the insured amount
  • Insurers offer customised wedding insurance policies. The beneficiary might opt insurance only for the primary event or can go for a combined package.
  • Through the public liability coverage, one can be relaxed because certain companies even take care of food poisoning taking place due to food served at the function
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