Portion Smart: Eating Foods, the Right Way

Portion Smart: Eating Foods, the Right Way

Portion Smart: Eating Foods, the Right Way

Imagine a bag of chips. The label might list a serving size as 28 grams, but let’s be honest, who stops at just that? That’s where portion size comes in. It’s the amount of food you choose to eat, which can be more or less than a serving size. Think of a serving size as a standardized measurement, while your portion size is a personalized decision. Packaged foods – so handy, so tempting! They help us grab-and-go, but their sneaky serving sizes and clever marketing can trick us into eating more than we need. That’s where mindful eating comes in – paying attention to our hunger and munching mindfully. In this article, we talk about the influence of food portions.

Richa Pande

Factors like gender, age, and hunger impact how much we eat, but our minds also play tricks on us. Our plates are more than just containers; they’re influenced by a mix of psychology and biology. Visual cues, plate size, and optical illusions can make us think a plate is emptier than it is. Emotions, social pressure, and marketing further affect our food and portion choices.

Here are some handy ways to measure your portion sizes:

  • Your hand: Your palm can be a rough guide for a serving.
  • Measuring cups: Invest in a set of measuring cups for accurate portion control of grains, fruits, and vegetables.
  • Food labels: Pay attention to serving sizes listed on food labels. They might not be your ideal portion, but they’re a good starting point.
  • Food measuring scales: For ultimate precision, especially with meats and cheeses, consider using a food measuring scale. These handy tools take the guesswork out of portion control and ensure you’re consuming the exact amount you need.

My Plate Guide to Decoding Portion Sizes for Indians

My Plate, designed by the Indian Council of Medical Research (ICMR), offers recommended food guidelines and portion sizes tailored to the unique dietary requirements and cultural nuances of India. Familiarizing oneself with these food groups can contribute make mindful food choices. The plate’s suggested proportions guarantee sufficient intake of various micronutrients, including vitamins and minerals, as well as bioactive compounds, functional foods, antioxidants, and other essential nutrients.


  • Fruits and Vegetables: Fruits and vegetables are rich in essential nutrients such as vitamins, minerals, fibre, and antioxidants, which are beneficial for overall health. Opt for whole fruits over juices and have green leafy vegetables. You should be having foods from this food group the most. It’s recommended to have 400 grams of vegetables (out of these, 100g of green leafy vegetables), and 100 grams of fruits daily.
  • Grains & millets: Grains and Millets are rich in carbohydrates and are a significant source of energy, as well as essential nutrients such as fibre, vitamins, and minerals. Some millets also have more protein than regular cereals. It’s recommended to have 250 grams of food items from this group every day, for example 8 chapatis every day or katoris of red rice or millets.
  • Pulses, Eggs, & Flesh Products: This food group comprising pulses, eggs, and flesh foods is a crucial component of a balanced and nutritious diet, providing essential protein and a range of vital nutrients. Pulses, including lentils, chickpeas, beans, and peas, offer plant-based protein, fibre, and various vitamins and minerals. Eggs, being nutrient-dense, contribute high-quality protein, essential amino acids, and important nutrients like vitamin B12 and choline. Flesh foods, such as meat, poultry, and fish, are rich in complete proteins, iron, zinc, and other essential nutrients. As per the ICMR guidelines, incorporating approximately 85 grams these sources daily is recommended.
  • Fats & Oils: This food group consists of visible fats that can be added to the diet to provide a source of concentrated energy and essential fatty acids. This category includes fats from both animal and plant sources, such as butter, cooking oils like olive oil, canola oil, etc., margarine, and ghee. These fats serve as flavour enhancers, contribute to the texture of foods, and play a crucial role in the absorption of fat-soluble vitamins (A, D, E, and K). It’s recommended to take 27 g of visible fats daily. A teaspoon= 5 ml of oil or melted butter/ melted ghee.
  • Dairy Products: Dairy products contain many essential nutrients such as calcium, vitamin B, protein, and other vitamins and minerals. Common dairy products include milk, buttermilk, cheese, paneer, and curd. The recommended daily intake for the dairy food group is approximately 300 ml / grams.
Food groups Foods to be consumed raw weight (g/day) % of Energy from each food group/ day Total Energy from each food group/ day (Kcal) Total protein from each food group/ day (g) Total Fat from each food group/ day (g) Total Carbs from each food group/ day (g)
Cereals (incl. Nutri cereals) 250 42 843 25 5 172
Pulses* 85 14 274 20 3 42
Milk/ Curd (ml) 300 11 216 10 13 16
Vegetables* green leafy vegetable (GLV) 400 9 174 10 2 28
Fruits 100 3 56 1 1 11
Nuts & Seeds 35 9 181 6 15 6
Fats & Oils 27 12 243 27
Total 1200 2000 15% of Total Energy Intake 30 % of Total Energy Intake

Table: Food  Groups & Recommended Portions, My Plate for the Day, ICMR NIN

  • Nuts and Seeds: They are rich in healthy fats, protein, fibre, and many essential nutrients such as vitamins, and minerals. The recommended daily intake for the nuts and seeds food group is approximately 35 grams.

Mastering Portion Control for Smarter Snacking

Packaged foods offer undeniable convenience, but going through the recommended serving size is important before picking the portion of that food product. The “serving size” listed on labels is the recommended portion you should be having. Consider it a starting point, like a map rather than a definitive destination. Your ideal portion, the one that truly nourishes and satiates, will depend on your unique needs and circumstances. While packaged options are tempting, preparing meals at home offers greater control over portion sizes. Opt for smaller plates and bowls. This visual trick can trick your brain into feeling satisfied with smaller portions, promoting both physical and mental well-being. Avoid distractions while eating. Put down your phone, turn off the TV, and focus on the sensory experience of savouring each bite. This helps you appreciate the taste, texture, and aroma of your food, preventing mindless overconsumption. Don’t skip meals in the hopes of “saving calories” for later snacks. Instead, fuel your body consistently with balanced meals and mindful snacks throughout the day. This avoids hunger pangs that can lead to impulsive overeating.

A Comprehensive Guide to Personal Loans by NBFCs

A Comprehensive Guide to Personal Loans by NBFCs

A Comprehensive Guide to Personal Loans by NBFCs

seeks to provide a thorough understanding of the intricacies surrounding personal loans offered In the rapidly expanding financial landscape of India, Non-Banking Financial Companies (NBFCs) have become pivotal players, particularly in the realm of personal loans. This comprehensive guide by NBFCs in India, delving into the application process, features, advantages, challenges, and the impact on borrowers.

 Subas Tiwari

Defining NBFCs and Their Role in Personal Loans

Understanding NBFCs

NBFCs, or Non-Banking Financial Companies, are financial institutions that offer banking services without meeting the legal definition of a bank. Unlike traditional banks, NBFCs cannot accept demand deposits but play a crucial role in providing credit, including personal loans.

Evolution of NBFCs in India

To comprehend the significance of personal loans by NBFCs, it is essential to trace the historical evolution of these entities in India. Originally established as investment institutions, NBFCs have transformed into diversified financial service providers, offering a broad spectrum of products, with personal loans being a key component.

Regulatory Framework

The regulatory framework governing NBFCs is a critical aspect of their functioning. The Reserve Bank of India (RBI) serves as the primary regulatory authority overseeing NBFC operations. These regulatory guidelines ensure the stability of the financial sector and safeguard the interests of consumers.

Dynamics of Personal Loans by NBFCs

Features of NBFC Personal Loans

Personal loans offered by NBFCs come with distinctive features tailored to meet the diverse financial needs of individuals. Notable features include:

  1. Interest Rates: NBFCs often provide competitive interest rates, varying based on factors such as the applicant’s credit score and loan amount.
  2. Loan Tenure: The tenure of personal loans from NBFCs ranges from a few months to several years, offering flexibility to borrowers in choosing a repayment period.
  3. Unsecured Nature: Many NBFC personal loans are unsecured, making them accessible to a broader segment of the population as no collateral is required.

Types of Personal Loans Offered by NBFCs

NBFCs offer various types of personal loans to cater to specific needs, including:

  1. Unsecured Personal Loans: General-purpose loans without collateral, suitable for various purposes such as travel, medical expenses, or debt consolidation.
  2. Secured Personal Loans: Some NBFCs offer secured personal loans, requiring collateral like gold, securities, or other assets.
  3. Specialized Loans: NBFCs may provide specialized personal loans for education, medical needs, weddings, and more.

Comparison with Banks

Comparing personal loans from NBFCs with traditional banks reveals distinct differences such as:

  1. Quick Processing: NBFCs are known for faster loan processing and approval times, providing borrowers with quicker access to funds.
  2. Flexible Eligibility Criteria: NBFCs may have more flexible eligibility criteria, making personal loans accessible to individuals facing challenges meeting traditional banks’ stringent criteria.

Advantages of Opting for NBFC Personal Loans

  1. Quick Processing and Approval

One significant advantage of choosing an NBFC for a personal loan is the expedited application processing. NBFCs typically employ streamlined processes, leveraging technology to facilitate quick approval and disbursal.

  1. Flexibility in Eligibility Criteria

Unlike traditional banks, NBFCs often have more lenient eligibility criteria. This flexibility allows individuals with varying credit profiles and financial histories a higher chance of approval for a personal loan from an NBFC.

  1. Customized Loan Products

Understanding the diverse financial needs of individuals, NBFCs offer customized personal loan products. This flexibility empowers borrowers to choose loan amounts, tenures, and repayment schedules aligning with their financial goals.

Challenges and Risks

  • Interest Rate Dynamics

While NBFCs offer competitive interest rates, borrowers must be aware of potential fluctuations in interest rates, impacting the overall cost of the loan.

  • Risk Management

Like any financial institution, NBFCs face risks related to credit, market dynamics, and operational aspects. Effective risk management practices are crucial for maintaining a stable and sustainable lending portfolio.

  • Regulatory Compliance

Compliance with regulatory guidelines is a critical aspect of NBFC operations, ensuring consumer protection and the overall stability of the financial sector. 

The Digital Revolution in NBFC Personal Loans

  1. Digitalization of NBFC Services

In recent years, NBFCs have embraced digitalization to enhance service delivery. This includes online application processes, digital documentation, and electronic fund disbursal.

  1. Data Analytics and Credit Scoring

The integration of data analytics and credit scoring algorithms has become prevalent in the NBFC sector, enabling efficient risk assessment and informed lending decisions.

Consumer Awareness and Financial Literacy

  • Importance of Financial Literacy

Financial literacy is crucial for borrowers to make informed decisions, understanding terms and conditions, interest rates, and repayment obligations for responsible borrowing.

  • Consumer Rights and Protection

Consumers have specific rights when availing personal loans. Regulatory bodies play a vital role in ensuring NBFCs adhere to consumer protection measures, fostering a fair and transparent lending environment.

The Future of NBFC Personal Loans

  • Emerging Trends and Innovations

The future of NBFC personal loans is marked by emerging trends, including innovations in product offerings, technology integration, and a focus on customer-centric solutions.

  • Collaboration and Competition

NBFCs are likely to engage in collaborations with other financial institutions and fintech companies, fostering competition and driving further innovation in the personal loan sector.


This comprehensive guide has explored the multifaceted landscape of personal loans offered by NBFCs in India. From understanding the role of NBFCs to dissecting the features, advantages, challenges, and the impact on borrowers, the guide serves as a roadmap for individuals navigating the terrain of personal finance.

In conclusion, the personal loan landscape in India is evolving, with NBFCs playing a pivotal role in meeting the diverse financial needs of the population. As borrowers continue to seek financial solutions, being informed about the options, risks, and benefits of NBFC personal loans is essential for making sound financial decisions. This guide aims to empower individuals to navigate the financial landscape confidently, leveraging the opportunities presented by NBFCs for personal financial growth.

Securing a personal loan from Non-Banking Financial Companies (NBFCs) can be a significant financial decision. To ensure a smooth borrowing experience and make informed choices, consider the following 20 tips when applying for a personal loan with NBFCs:

  1. Understand Your Need: Before applying for a personal loan, clearly define the purpose for which you require the funds. This will help you determine the appropriate loan amount and choose the right NBFC.
  2. Research NBFCs: Conduct thorough research on various NBFCs offering personal loans. Compare interest rates, loan terms, and customer reviews to identify reputable and customer-friendly institutions.
  3. Check Interest Rates: Compare interest rates offered by different NBFCs. Keep in mind that interest rates can vary based on factors such as your credit score, loan amount, and tenure.
  4. Assess Your Eligibility: Understand the eligibility criteria set by the NBFC. Check whether you meet the requirements for income, credit score, and other parameters before applying.
  5. Review Fees and Charges: Examine the fees and charges associated with the personal loan, including processing fees, prepayment charges, and any other hidden costs. Choose an NBFC with transparent fee structures.
  6. Evaluate Repayment Options: Look for NBFCs that offer flexible repayment options. Some institutions may allow you to choose the loan tenure and repayment frequency based on your financial capabilities.
  7. Check for Prepayment Options: Understand the prepayment terms and conditions. Some NBFCs may charge a penalty for prepayment, while others may allow it without additional charges.
  8. Maintain a Good Credit Score: A higher credit score enhances your chances of securing a personal loan at favourable terms. Regularly check and maintain a good credit score by paying bills on time and managing your credit responsibly.
  9. Review the Loan Agreement: Carefully read the terms and conditions of the loan agreement. Ensure that you understand all clauses, including interest rates, repayment schedule, and any penalties for default.
  10. Avoid Multiple Applications: Submitting multiple loan applications simultaneously can negatively impact your credit score. Apply to one or two NBFCs that align with your requirements.
  11. Consider Collateral: If you have valuable assets, consider opting for a secured personal loan. This can lead to lower interest rates compared to unsecured loans.

Check for Online Application: Many NBFCs offer online application processes, making it convenient and efficient. Explore institutions with user-friendly digital platforms for a seamless application experience.

  1. Read Customer Reviews: Look for reviews and testimonials from existing customers to gauge the satisfaction levels and service quality of the NBFC. Online reviews can provide valuable insights.
  2. Negotiate Interest Rates: Don’t hesitate to negotiate interest rates with the NBFC. If you have a good credit history, you may be able to secure a lower interest rate.
  3. Plan for EMI Payments: Before applying, calculate your Equated Monthly Instalments (EMIs) based on the loan amount, interest rate, and tenure. Ensure that the EMI fits comfortably within your monthly budget.
  4. Keep Documentation Ready: Have all the necessary documents, such as income proof, identity proof, and address proof, ready before applying. These speeds up the application process.
  5. Beware of Scams: Be cautious of fraudulent practices. Ensure that the NBFC is legitimate by verifying its credentials and checking for regulatory approvals.
  6. Utilize Customer Support: If you have any queries or concerns, reach out to the NBFC’s customer support. Assess the responsiveness and helpfulness of their support team.
  7. Maintain Financial Discipline: While the NBFC assesses your financial stability, ensure you maintain discipline in managing your finances. This includes timely bill payments and responsible credit usage.
  8. Review Your Financial Situation: Regularly assess your financial situation and whether a personal loan aligns with your long-term financial goals. Avoid borrowing more than necessary and prioritize financial health. By following these tips, you can navigate the process of obtaining a personal loan from NBFCs in India more effectively. Make informed decisions that align with your financial goals and ensure a positive borrowing experience.

Top 15 NBFCs Personal Loans – Interest Rates and Processing Fees


Interest Rate 

Processing Fee

Muthoot Finance

14% p.a. onwards

Up to 3.5%

Tata Capital

10.99% p.a. onwards

Flat Rs 51

Bajaj Finserv

11% p.a. onwards

Up to 3.93%


11.99% p.a. onwards

Up to 10%


9.99% p.a. onwards

Up to 8%


Up to 29.95% p.a.

Up to 6%

Navi Finserv

9.9% – 45% p.a.


Money Tap

12.96% p.a. onwards

Dhani Loans

13.99% p.a. onwards

3% onwards

Money View

1.33% per month onwards

Starting from 2%

Pay Sense

1.4%-2.3% per month

Up to 2.5%


16% p.a. onwards

Up to 3%

Home Credit

24% p.a. onwards

Up to 5%


27% p.a. onwards

Up to 3% or Rs 1,200

HDB Financial Services

12%-31% p.a.

Up to 3%

Interest Rates and Processing Fees rates are sourced from- https://www.paisabazaar.com as of 24th November 2023

NutriBars Decoded: Making Informed Choices

NutriBars Decoded: Making Informed Choices

NutriBars Decoded: Making Informed Choices

As I navigated the bustling supermarket aisles, my attention was drawn to the vibrant array of NutriBars lining the shelves. Each bar boasted enticing claims, from “high protein” to “low sugar”, but the sheer variety and conflicting messages left me feeling overwhelmed. One bar touted its all-natural ingredients, but it had a 16 grams of sugar per serving. Another claimed to be a “meal replacement,” but its nutritional profile resembled a candy bar more than a balanced meal. The confusion was palpable, and I knew I wasn’t alone in this dilemma. With so many options to choose from, how could one make an informed decision about which NutriBar was truly the healthiest? This article discusses NutriBars in detail and offers some tips to make healthier and better choices

                                                                                                                   Richa Pande

NutriBars offer a convenient and nutritious solution to fuel your busy lifestyle. These portable snacks are packed with wholesome ingredients that provide essential nutrients for sustained energy and overall well-being. NutriBars are typically made with a combination of whole grains, nuts, seeds, fruits, and sometimes added protein or fibre. These ingredients provide a balance of carbohydrates, protein, healthy fats, and fibre, keeping you satiated and energized throughout the day.

Different Names! Are they all same?

  • Energy Bars: Designed to provide a quick and sustained boost of energy, these bars are typically high in carbohydrates. They often include a moderate amount of protein to support muscle recovery and may contain electrolytes to aid in hydration. Energy bars are ideal for pre-workout fuel, mid-activity energy boosts, or post-workout recovery.
  • Meal Replacement Bars: Intended to serve as a balanced and convenient meal replacement, these bars offer a more comprehensive nutritional profile, providing a balance of macronutrients, including carbohydrates, protein, and healthy fats. They often contain a higher protein content to promote satiety and muscle maintenance, along with fibre for digestive health and sustained energy. Meal replacement bars are suitable for on-the-go meals, or individuals seeking a calorie-controlled option.
  • Pre-Workout Bars: Designed to provide a pre-workout energy boost and support muscle preparation, these bars typically contain a balance of carbohydrates, protein, and healthy fats. They often include ingredients like branched-chain amino acids (BCAAs) to reduce muscle fatigue and promote muscle recovery. Pre-workout bars are ideal for consuming 30-60 minutes before exercise to enhance performance.
  • Post-Workout Bars: Formulated to aid in muscle recovery and replenish glycogen stores after a workout, these bars typically have a higher protein content to support muscle repair and growth. They may also include carbohydrates to refuel muscles and promote energy balance. Post-workout bars are best consumed within 30-60 minutes after exercise to maximize recovery benefits.

Navigating the world of NutriBars can be difficult, given the vast array of options available. To make informed choices and maximize the benefits of NutriBar consumption, consider these essential tips:

Know Your Goals

Before diving into the world of NutriBars, it’s crucial to establish your primary objective for consuming them. Are you seeking a quick energy boost to fuel your active lifestyle? Aiming for sustainable weight loss by choosing low-calorie and satiating options? Or striving for muscle gain by incorporating protein rich NutriBars into your diet? Understanding your specific goals will guide your NutriBar selection and optimize their effectiveness. You can consult a registered nutritionist / dietitian for guidance.

Check the Ingredient List

Pick bars that have ingredients like whole grains, nuts, seeds, and dried fruits. These ingredients offer a wealth of nutrients and fibre, promoting overall health and well-being. Avoid NutriBars laden with excessive added sugars, artificial sweeteners, and food additives that can detract from their nutritional value.

Protein Content

Pick NutriBars with a protein content of at least 8-15 grams per serving. Protein plays a pivotal role in satiety, muscle growth, and post-workout recovery. Consuming adequate protein helps you feel fuller for longer, supports muscle maintenance and repair, and enhances athletic performance. You can pick bars that contain soy, pea, and whey, nuts and seeds.

Fibre Rich

Seek NutriBars containing at least 3-5 grams of fibre per serving. Fibre serves as a gut health champion, promoting digestive regularity, fostering the growth of beneficial gut bacteria, and contributing to prolonged satiety. Incorporating fibre rich NutriBars into your diet can help you feel fuller for longer, regulate bowel movements, and support overall digestive health. Consider NutriBars enriched with prebiotics, such as chicory root inulin or Fructooligosaccharides (FOS). Prebiotics act as food for beneficial gut bacteria, promoting their growth and enhancing digestive health. Prebiotic-rich NutriBars can help improve nutrient absorption, boost immunity, and support overall gut microbiome balance.

Sugar Content

Be mindful of sugar content when choosing NutriBars. Opt for options with less than 10 grams of added sugar per serving to minimize sugar intake and prevent blood sugar spikes. Excessive sugar consumption can contribute to weight gain, energy crashes, and increased risk of chronic health conditions.

Moderation is the key

While NutriBars offer convenient nutrition, it’s essential to have them in moderation.  Mindless overconsumption of any food, including NutriBars, can lead to excess calorie intake, hindering health goals and potentially contributing to other health concerns.

Revitalizing India’s Consumer Landscape and Infrastructural Progress: A Glimpse into 2024

Revitalizing India’s Consumer Landscape and Infrastructural Progress: A Glimpse into 2024

Revitalizing India’s Consumer Landscape and Infrastructural Progress: A Glimpse into 2024

As we stand on the cusp of a new year, there is a palpable sense of anticipation in India, fuelled by the promising prospect of upcoming general elections and a notable reduction in inflation. According to the consensus among chief executives of leading companies, this dual catalyst is poised to breathe new life into consumer demand across diverse categories, spanning from groceries to apparel and electronics. The expected resurgence is forecasted to take root from March-April onwards, marking a pivotal turning point in the nation’s economic trajectory.

Consumer goods companies had initially set their sights on a demand recovery in the December quarter. While this projection did not materialize as expected, there is a silver lining in the form of a pronounced halt in the slowdown of consumption. Chief executives are now reporting a noteworthy uptick in the sales of mass-segment products after a hiatus of over three years. This rekindling of consumer interest is viewed as a positive harbinger for the economic landscape.

Shifting our focus to infrastructural advancements, a noteworthy development is underway in Rajasthan’s Didwana district. India is on the brink of achieving a significant milestone with the completion of its first dedicated fast railway trial track by October 2024. This ambitious project, being constructed on the lines of esteemed railway systems in America, Australia, and Germany, aims to enhance the country’s railway system testing facilities. Once completed, this track will position India as the first country with comprehensive testing facilities adhering to international standards for rolling stock.

The high-speed train test track, a product of the Research and Standards Organization (RDSO), spans from Gudha-Thathana Mithri to Nawan railway station in the Jodhpur division of Northwestern Railway. This initiative showcases India’s commitment to advancing its railway technology, with a focus on meeting the technical needs of its growing railway network.

In the financial domain, the Vivaad Se Vishwas scheme has played a pivotal role in settling contractual disputes and claims of Micro, Small, and Medium Enterprises (MSMEs) affected during the Covid period. The Finance Ministry reports that Rs 2,302 crore has been settled so far under this scheme, with over 900 claims worth Rs. 20,000 crores received. Notably, Rs. 1,652 crores worth of claims have already been resolved, underlining the scheme’s efficacy in providing a resolution mechanism for contractual disputes.

However, amid these positive developments, a sobering reality check comes in the form of a recent spike in Covid-19 cases. India has witnessed a multifold increase, with Kerala contributing significantly to the reported cases. This serves as a stark reminder that while strides are being made on various fronts, the battle against the pandemic remains an ongoing challenge.

As we reflect on the progress and challenges facing our nation, we extend our heartfelt gratitude to our esteemed readers for their unwavering support. Your engagement, feedback, and ideas have been instrumental in our mission to deliver informative articles. We invite you to continue sharing your thoughts and suggestions at info@consumer-voice.org, as we collectively foster a knowledgeable and empowered community.

Wishing you an enriching and enjoyable reading experience ahead!

Pallabi Boruah


All Editorials

Empowering Choices: A Path to Sustainable Consumerism

Exploring the wide array of consumer choices reveals both positive and negative trends that significantly impact the market, the environment, and society. On the positive side, there is an encouraging shift towards informed consumerism, with individuals prioritizing...

Legal Landmark, Fintech Diplomacy, and Progress in India

In a ground-breaking legal development, the Nagpur Bench of the Bombay High Court has made a resounding decision. The Court has nullified the CP Rules, the Selection Committee, and the examination conducted for the selection of Presidents and Members of District and...

A Historic Moment for India and a Global Commitment to Health

History was scripted when The Constitution (One Hundred and Twenty-Eighth Amendment) Bill, 2023, seeking to reserve 33% of seats in Lok Sabha and state Assemblies for women, was passed unanimously by Rajya Sabha, a day after it sailed through Lok Sabha. The passage of...

Addressing India’s Taxpayer Base and Refunds: A Step Forward

India's tax landscape is showing positive signs of growth and participation, as highlighted by Finance Minister Nirmala Sitharaman. In the fiscal year 2022-23, 2.24 crore individuals out of the total 7.4 crore taxpayers diligently fulfilled their tax obligations,...

Artificial sweeteners aren’t sweet for your health

Let’s start off with something related to our health, shall we? For those of you who choose diet coke or zero-calorie soda as a means to control your weight, there is some concerning information. The World Health Organization (WHO) recently released new guidelines...

Controversies and many more

A recent video on the super high sugar content of Bournvita by a social media influencer went viral. The Mondelez India-owned health drink company dismissed charges of excessive sugar content, calling the video "unscientific" and accusing it of "distorting facts and...

Is India Growing?

The Union Health Ministry is preparing to alter the Cigarettes and Other Tobacco Products Act, a significant step that will require OTT (over-the-top) platforms or streaming services to display health warnings during smoking scenes in motion pictures and Web series...

 ‘India: Growing by leaps and bounds’.

Let's start off on a positive note, shall we? An International Monetary Fund (IMF) official predicted that India would contribute 15% to world growth in 2023. In the approaching year, it is anticipated that China and India will each contribute 50% to global growth...

Some Exciting News

Let’s start off with something encouraging, shall we? According to data made public by the Ministry of Statistics & Programme Implementation (MoSPI), India's retail inflation rate reduced slightly from the previous month and continued to fall below the Reserve...

A New India

Let’s start off with some good news, shall we? According to the most recent monthly Refinitiv-Ipsos Primary Consumer Sentiment Index (PCSI) report, consumer sentiment among urban Indians has improved and increased by 1.1 percentage points in December 2022. Amit...

Changing demographics in India

Let’s start off with some good news, shall we? According to the trade group Consumer Electronics and Appliances Manufacturers Association (CEAMA), the Indian Appliances and Consumer Electronics (ACE) market is anticipated to nearly double over the next three years,...

Dynamic subtle changes in India

The Unified Payments Interface (UPI) has changed the country's payment system, thereby promoting economic growth. Since UPI was first launched, life has become easier. UPI is currently accepted everywhere, including by taxi drivers, valet parking services, malls, toll...

Positive Economic Outlook

23 per cent of the world's milk production is contributed by the dairy sector of India. It ranks first across the globe. But the rising cases of the Lumpy Skin Disease have thrown the nation out of gear. The lumpy skin disease is a viral infection commonly occurring...

Plastic Straw Ban On: Fight against Pollution

The Central Government has banned 19 single-use plastic items from July 1, including straws. This ban has led to companies including Dabur India Ltd. and Parle Agro Pvt, racing to replace them with imported paper versions. Of the 380 million tons of plastic produced...

Agneepath and Agniveer: In a Nutshell

In a historic decision by the Union Cabinet, an attractive recruitment scheme for Indian youth to serve in the Armed Forces has been introduced with the name AGNEEPATH. The youth selected under the Agneepath scheme will be categorised as Agniveers. With the...

Cut in Fuel Prices, Subsidy on Cylinders: Easing the Burden

With the announcement by Finance Minister Nirmala Sitharaman of the cut in fuel prices, the citizens of India as a whole heaved a sigh of relief. With the price of petrol coming down by ₹ 9.5, diesel getting cheaper by ₹ 7, it is a sharp cut in central excise duty on...

E-commerce complaints tops list in national consumer helpline

Out of the almost 60,000 odd complaints that reach the central government's national consumer helpline (NCH) every month, about 36% is for e-commerce. In 2020, the national helpline received 6, 54,192 grievances of which 28.5% was e-commerce related issues. Banking,...

Is the Budget 2022 Middle Class Friendly?

The Finance Bill 2022 presented by India's Finance Minister Nirmala Sitharaman on February 1 announced measures for a number of sectors. It aimed at boosting growth amidst growing inflation added with the uncertainties of the Covid-19 pandemic. PM Modi hailed the...

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...

The other Covid Effets

When we just thought we are in the endemic stage and the worst is over, we’ve variant, Omicron now. It has hit the world. India too has reported 21 cases so far including 7 in Jaipur, 1 in Delhi, 11 in Maharashtra and 2 in Karnataka as I write this piece. I’m sure the...

Festivals lighted up consumption. But will it last?

Festivals, especially Deepawali, the festival that Indians observe to celebrate the return of Ram from his 14 years of exile reminded us of the triumph of good over evil. Indians across the regions celebrate the day differently, however, the ethos across the country...

Veganism and India

FSSAI’s recent Vegan logo announcement is a remarkable development in the popularity of vegan foods in India. Going by different reports, it comes to a surprising fact that there was a 47% rise in the vegan related searches in the year 2020. The growing interests for...

What can we learn from Olympians?

What can we learn from Olympians?To be resilient should be the first lesson irrespective of what work you are doing. Irrespective of the time and severity, you will be knocked down at some point and the mental strength to bounce back and punch a blow on the "face of...

Reaching the inaccessible

Atul, a boy in grade 5 used to be a bright and talented student until the pandemic began. Due to the closure of schools, he like many of his friends were unable to continue classes and studies. His mother who used to work in a nearby shoe factory had to give up her...

The Vaccination Mirage

There was a popular tweet doing the rounds lately. It said, India’s vaccination drive is like going for a marriage. At first, the groom wasn’t ready for it, then there was no suitable match and then the groom, because of not getting what he wanted, had to settle with...

Why consumption is good

There is an amazing capacity of consumption. I feel, we consumers are the happiest souls when we consume something of our choice. Be it a slice of pizza, driving a newly launched SUV, consuming content (print and digital both or mere a book). The bottom line is- our...

Stories of hope in pandemic

The deadliest is again on us. It is dangerous than ever before, took lives of thousands already and showing no sign of settling soon. Where there are numerous stories floating every day on nonavailability of many healthcare facilities, medicines, oxygen and doctors;...

Empowering Consumers: Navigating the Digital Age and Celebrating Consumer Rights on National Consumer Day

Empowering Consumers: Navigating the Digital Age and Celebrating Consumer Rights on National Consumer Day

Empowering Consumers: Navigating the Digital Age and Celebrating Consumer Rights on National Consumer Day

National Consumer Day is observed annually on December 24th in India, marking the enactment of the Consumer Protection Act, 1986. It emphasizes awareness of consumer rights, responsibilities, and the significance of protection. The Act was a pivotal step in safeguarding consumers from unfair practices and ensuring quality standards. This year’s theme is “Consumer Protection in the era of E-Commerce and Digital Trade”.

                                                                                                                   Rinki Sharma

The Consumer Protection Act, 2019, was the most recent amendment to the Consumer Protection Act in India. The Consumer Protection Act, 2019, came into effect on July 20, 2020. This Act aimed to strengthen consumer rights and protection in the wake of changing market dynamics, especially with the growth of e-commerce and digital platforms.

The Consumer Protection Act, 2019 in India introduced several provisions to safeguard consumers in the context of e-commerce. These features are designed to enhance consumer rights, provide mechanisms for dispute resolution, and establish accountability for e-commerce entities. Here are some key silent features of the Consumer Protection Act, 2019 relevant to e-commerce:

Definition of E-Commerce-The Act explicitly defines e-commerce to cover buying or selling of goods or services, including digital products, over a digital or electronic network.

Consumer Rights in E-Commerce -The Act reinforces consumer rights in the digital space, ensuring that consumers have the right to information, right to choice, right to safety, and right to be heard in e-commerce transactions.

Liability -E-commerce entities are held accountable for the authenticity of goods and services they provide. Any false or misleading advertisements, as well as the sale of counterfeit products, can lead to legal consequences for the e-commerce platforms.

Establishment of Central Consumer Protection Authority (CCPA)-The Act establishes the CCPA to promote, protect, and enforce the rights of consumers, specifically in the context of unfair trade practices and misleading advertisements in e-commerce.

E-Commerce Redressal Mechanism-The Act provides for the establishment of Consumer Disputes Redressal Commissions at the district, state, and national levels. These commissions have the authority to handle and resolve complaints related to e-commerce.

Product Liability in E-Commerce-Manufacturers, sellers, and service providers are held liable for any harm caused to consumers due to defective products or deficient services, including those transacted through e-commerce platforms.

Consumer Protection against Unfair trade practices -Unfair trade practices, including deceptive advertising, are expressly prohibited. E-commerce entities are obligated to provide accurate information about products and services, pricing, and terms and conditions to prevent misleading consumers.

 E-commerce Terms & Conditions -E-commerce platforms are required to prominently display terms and conditions, including the return policy, refund policy, and grievance redressal mechanism. This ensures transparency in transactions and helps consumers make informed choices.

Digital Contracts & Payments -The Act recognizes digital contracts and transactions, offering protection to consumers engaging in online transactions. It addresses issues related to online payment systems and electronic contracts to enhance consumer confidence in digital commerce.

Consumer Awareness and Education -The Act emphasizes the importance of consumer awareness and education. E-commerce entities are encouraged to contribute to consumer awareness programs to inform users about their rights and responsibilities in online transactions.

In the modern age, our strength as consumers comes from understanding our rights, practicing responsible behaviour, and actively supporting efforts that champion consumer rights. Let’s navigate the digital landscape with care, ensuring our rights are upheld, and collaboratively contribute to building a fair and secure online marketplace.

Enquire Now

    Enquire Now