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Indians Lose $44 Million as Global Crypto Frauds Hit $5.6 Billion

India’s cryptocurrency landscape has seen remarkable growth over the past few years. Ranking as a global leader in crypto adoption, the country has been at the forefront of the digital asset revolution. However, this rapid growth has come at a cost. India is now also one of the top five countries facing substantial financial losses due to crypto scams and hacks. In 2023 alone, Indian investors lost a staggering $44 million to fraud, contributing significantly to the global total of $5.6 billion lost through crypto-related fraud and cybercrime​(MoneyControl).

The Prevalence of Crypto Scams in India

One of the key reasons for India’s rising losses is the increasing complexity of crypto scams. Fraudsters often exploit the decentralized nature of cryptocurrency, making it difficult to trace or reverse fraudulent transactions. The most common scams include:

  • Investment fraud: Victims are tricked into investing in fake schemes that promise high returns but are nothing more than Ponzi schemes.
  • Phishing attacks: Fraudsters use fake websites or emails to steal private keys and drain users’ wallets.
  • Pump-and-dump schemes: Fraudsters artificially inflate the price of a little-known cryptocurrency, convincing others to invest. Then sell off their holdings, causing the price to crash and leaving investors with worthless assets.

A Surge in Hacks

In addition to scams, India has been hit by a series of high-profile hacks. One of the most notable was the $230 million breach of WazirX, a leading Indian crypto exchange, in 2024. This hack affected over 4.2 million Indian investors, casting a shadow of doubt over the security of even the largest and most trusted platforms​(CryptoPotato). Such incidents underscore the urgent need for improved cybersecurity measures in the crypto industry.

India’s Government Response

India’s regulatory framework around cryptocurrency has been another factor that complicates the situation. The Indian government has taken a stringent approach to taxing crypto transactions, with a 30% income tax on crypto profits and a 1% Tax Deducted at Source (TDS) on all transactions​(CryptoPotato). While these measures are aimed at curbing speculative trading, they also discourage formalized trading through regulated exchanges. Pushing some investors toward less secure, informal channels where scams are more prevalent.

Despite these efforts, the lack of a clear regulatory framework for protecting investors from fraud remains a critical issue. Moreover, the high taxation rates have not deterred many from engaging in cryptocurrency trading, making India a global leader in crypto adoption. In 2024, India topped the Crypto Adoption Index, signaling the enormous popularity of digital assets despite the risks​(CryptoPotato). This dual dynamic of high adoption alongside significant losses makes India a critical player in the global crypto landscape.

Global Context and Comparisons

India is not alone in facing massive losses due to crypto scams. Countries like the United States, Brazil, Russia, and China also rank among the top nations affected by cryptocurrency fraud. Globally, Chainalysis reported a sharp rise in crypto-related crime in 2024, including a 15% year-over-year increase in ransomware attacks. These incidents highlight the growing vulnerability of digital currencies to cyber threats​(CryptoPotato)​(MoneyControl).

Global Crypto Losses

However, while many other countries have started implementing stronger regulatory frameworks, India’s regulatory efforts remain focused more on taxation than on protecting investors. The lack of robust legal mechanisms to address crypto fraud has left millions of Indians exposed to financial risk.

The Way Forward: Protecting Investors

With India’s growing losses and the increasing complexity of scams, it’s clear that more needs to be done to protect investors. Some possible steps include:

  • Investor Education: The government and private institutions should launch initiatives to educate crypto users about safe trading practices, recognizing scams, and the importance of using secure wallets and exchanges.
  • Stronger Cybersecurity Measures: Exchanges must adopt stricter cybersecurity protocols, including multi-factor authentication, cold storage solutions, and insurance policies to protect investors from hacks.
  • Clear Regulatory Frameworks: India could benefit from a regulatory framework that goes beyond taxation. Also includes measures to safeguard consumers from fraud, such as mandatory KYC (Know Your Customer) procedures and transparent audit practices for exchanges.

Conclusion

India’s crypto boom has been accompanied by a wave of scams, frauds, and hacks, causing millions in losses. While the government’s tax policies have had some impact. They have not been enough to address the growing number of fraudulent activities in the sector. As cryptocurrency continues to grow in popularity, the government and industry stakeholders must work together to protect investors.

This evolving situation reflects both the incredible potential and the considerable risks of cryptocurrency in India, and it’s clear that stronger safeguards are needed to protect citizens from financial harm.

Stay Vigilant, Protect Investments.

New Income Tax Slabs for FY 2024-25

Finance Minister Nirmala Sitharaman has introduced revisions to the income tax slabs under the new tax regime in the Budget 2024. These changes are retroactively effective from April 1, 2024, for the current financial year, 2024-25. The modifications to the income tax slabs were announced in July 2024, following the presentation of the full budget after the Lok Sabha elections. It’s important to note that no changes were made in the interim budget presented in February 2024.

While the new tax regime saw alterations, only two tax slabs have been updated. The upper limits of these two slabs have been increased by ₹1 lakh. Specifically, the income tax slab for earnings between ₹3 lakh and ₹6 lakh has now been revised to ₹3 lakh to ₹7 lahks, and the slab for ₹6 lahks to ₹9 lahks has been adjusted to ₹7 lakh to ₹10 lakh. This means individuals earning ₹7 lakh will now be taxed at 5% instead of the previous 10%, and those earning ₹10 lakh will face a 10% tax rather than 15%.

Revised Income Tax Slabs Under the New Tax Regime

The updated income tax slabs for the new tax regime are as follows:

  • ₹0 – ₹3,00,000: 0%
  • ₹3,00,001 – ₹7,00,000: 5%
  • ₹7,00,001 – ₹10,00,000: 10%
  • ₹10,00,001 – ₹12,00,000: 15%
  • ₹12,00,001 – ₹15,00,000: 20%
  • ₹15,00,001 and above: 30%

In addition to the changes in the income tax slabs, the Finance Minister has also made adjustments to the standard deduction limit and the employer’s contribution to employees’ NPS accounts within the new tax regime. Furthermore, the standard deduction available for family pensioners has been modified as well. However, no changes have been made to other aspects, such as the tax rebate available under Section 87A or the surcharge rate applicable for incomes exceeding ₹50 lakh.

The new tax regime continues to offer a tax rebate of up to ₹25,000 for taxable incomes not exceeding ₹7 lakh. Additionally, there has been no alteration to the surcharge for those earning over ₹2 crore.

These changes aim to make the new tax regime more appealing to taxpayers. However, the old tax regime remains unchanged, and its income tax slabs, rates, and other rules continue to apply.

Understanding the Differences Between Old and New Tax Regimes

The old tax regime maintains its previous structure, meaning that the higher deductions available in the new regime for standard deductions and employer contributions will not apply. Furthermore, the old regime still offers a tax rebate of ₹12,500 for taxable incomes not exceeding ₹5 lakh.

The primary distinction between the old and new tax regimes lies in the availability of typical deductions and tax exemptions. The new tax regime does not allow common deductions, such as:

  • Section 80C: Deduction up to ₹1.5 lakh for specified investments and expenses.
  • Section 80D: Deduction for health insurance premiums, up to ₹25,000 or ₹50,000.
  • Section 80TTA: Deduction of up to ₹10,000 for interest earned from savings accounts in banks and post offices.

Basic Exemption Limits Under the Old Tax Regime

The taxpayer’s age determines the basic income exemption limits under the old tax regime:

  • Individuals below 60 years: ₹2.5 lakh.
  • Senior citizens aged 60 years and above, but below 80 years: ₹3 lakh.
  • Super senior citizens aged 80 years and above: ₹5 lakh.

Currently, the new tax regime is the default option for taxpayers. Individuals who wish to opt for the old tax regime must specifically choose it while filing their income tax returns. When the new tax regime was introduced in FY 2020-21, it was presented as an optional regime with lower tax rates compared to the old tax structure. If individuals choose the new tax regime, they can claim only two deductions: the standard deduction of ₹50,000 from salary or pension income and Section 80CCD(2) for the employer’s contribution to the employee’s NPS account.

For individual taxpayers without business income, a choice between the two regimes is required every financial year. Currently, a taxpayer with business income wishing to continue with the old tax regime must explicitly opt for it. Once selected, they have a one-time opportunity to switch to the new tax regime. If they opt for the new tax regime, they cannot revert to the old tax regime again.

In the Budget 2024, Finance Minister Nirmala Sitharaman announced revisions to the income tax slabs under the new tax regime for the financial year 2024-25 (Assessment Year 2025-26). These adjustments included an increase in the upper limit of two tax slabs by ₹1 lakh each. Specifically, the slab for income between ₹3 lahks and ₹6 lahks has been revised to ₹3 lakh to ₹7 lahks, while the slab for ₹6 lakh to ₹9 lakh has been changed to ₹7 lakh to ₹10 lakh.

The adjustments aim to make the new tax regime more appealing compared to the old tax regime. In February 2023, additional changes were introduced to enhance the attractiveness of the new tax regime for individual taxpayers. Notable modifications included the introduction of a standard deduction, an increase in the basic exemption limit, and an increase in the tax rebate under Section 87A for taxable incomes up to ₹7 lakh.

New Income Tax Slabs Under the New Tax Regime for FY 2024-25

Here are the updated income tax slabs for the new tax regime:

Income Tax Slabs (₹)Income Tax Rate (%)
From 0 to 3,00,0000
From 3,00,001 to 7,00,0005
From 7,00,001 to 10,00,00010
From 10,00,001 to 12,00,00015
From 12,00,001 to 15,00,00020
From 15,00,001 and above30

Changes Made in the New Tax Regime

In addition to modifying the income tax slabs, several key changes were announced in the new tax regime:

  • Standard Deduction: The standard deduction limit for individual taxpayers with salary or pension income has been increased from ₹50,000 to ₹75,000.
  • Family Pensioners: The standard deduction limit for family pensioners has been raised from ₹15,000 to ₹25,000.
  • Employer’s Contribution to NPS: The deduction available on the employer’s contribution to the NPS account has increased from 10% to 14%.

Features of the New Tax Regime

  • The new tax regime is the default option for taxpayers, who can opt for the old tax regime if they do not have business income.
  • The basic exemption limit is set at ₹3 lakh for all individual taxpayers, regardless of age.
  • The tax rebate under Section 87A allows for zero tax liability for taxable incomes up to ₹7 lakh.
  • The highest surcharge rate for those earning more than ₹2 crore is 25%.

Income Tax Slabs Under the New Tax Regime for FY 2023-24 (AY 2024-25)

For individuals filing their income tax returns for the previous financial year 2023-24, the income tax slabs under the new tax regime were as follows:

Income Tax Slabs (₹)Income Tax Rate (%)
From 0 to 3,00,0000
From 3,00,001 to 6,00,0005
From 6,00,001 to 9,00,00010
From 9,00,001 to 12,00,00015
From 12,00,001 to 15,00,00020
From 15,00,001 and above30

Comparison of Old Tax Regime and New Tax Regime

Here’s a comparison of the income tax slabs and features under the old and new tax regimes:

FeatureOld Tax RegimeNew Tax Regime
Basic Exemption Limit₹2,50,000 (below 60 years)₹3,00,000 (all individuals)
₹3,00,000 (60 years and above)
₹5,00,000 (80 years and above)
Income Tax SlabsFrom 0 to 2,50,000: 0%From 0 to 3,00,000: 0%
From 2,50,001 to 5,00,000: 5%From 3,00,001 to 7,00,000: 5%
From 5,00,001 to 10,00,000: 20%From 7,00,001 to 10,00,000: 10%
From 10,00,001 and above: 30%From 10,00,001 to 12,00,000: 15%
From 12,00,001 to 15,00,000: 20%
From 15,00,001 and above 30%
Deductions and ExemptionsMultiple deductions availableLimited deductions available
(e.g., Section 80C, 80D, etc.)Standard deduction only
Rebate under Section 87A₹12,500 for income up to ₹5,00,000Zero tax for income up to ₹7,00,000
Surcharge RateVaries by IncomeHighest surcharge for income above ₹2 crore is 25%

The revisions in the income tax slabs for FY 2024-25 aim to make the new tax regime more attractive and beneficial for individual taxpayers. Taxpayers can navigate their finances more effectively with increased basic exemption limits, standard deductions, and other enhancements. By understanding the differences between the old and new tax regimes, individuals can make informed decisions about their tax planning for the upcoming financial year.

Why We Are Not Talking About Mental Health Issues

Mental health is a critical component of our overall well-being, yet it often goes unspoken. From anxiety disorders to depression, mental health issues impact millions worldwide, but stigma and misunderstanding prevent open discussions. In this blog, we’ll explore why mental health issues are not talked about enough, identify common mental health problems, and provide practical steps to break the stigma.

Understanding Mental Health

Mental health is more than just the absence of mental illness—it’s about thriving in life. Good mental health allows us to manage stress, build relationships, work productively, and contribute to our communities. However, when mental health suffers, it can lead to various mental health problems, such as anxiety disorders, depression, and more severe conditions.

Why Aren’t We Talking About Mental Health Issues?

One of the biggest reasons we don’t talk about mental health issues is the stigma surrounding them. Many people feel ashamed or afraid to discuss their mental health struggles due to fear of judgment or misunderstanding. This stigma can prevent individuals from seeking the help they need, leading to feelings of isolation and worsening mental health.

Mental Health Issues

Examples of Common Mental Health Problems

Mental health issues can manifest in various forms. Here are some of the most common mental health problems:

  1. Anxiety Disorders: Affecting millions, anxiety disorders involve excessive worry or fear that disrupts daily life. Common types include Generalized Anxiety Disorder (GAD), Panic Disorder, and Social Anxiety Disorder.
  2. Depression: More than just feeling down, depression is a persistent mood disorder that affects thoughts, feelings, and behaviors. Major Depressive Disorder (MDD) and Persistent Depressive Disorder (PDD) are common types.
  3. Bipolar Disorder: Characterized by extreme mood swings between highs (mania) and lows (depression), Bipolar I and Bipolar II are the most common forms.
  4. Obsessive-Compulsive Disorder (OCD): Involves unwanted thoughts (obsessions) and repetitive behaviors (compulsions), such as excessive cleaning or checking.
  5. Post-Traumatic Stress Disorder (PTSD): Develops after experiencing a traumatic event, leading to anxiety, flashbacks, and avoidance of reminders of the trauma.
  6. Eating Disorders: Include Anorexia Nervosa, Bulimia Nervosa, and Binge-Eating Disorder, all of which involve unhealthy eating behaviors impacting mental and physical health.
  7. Schizophrenia: A severe mental disorder that affects thinking, emotions, and behavior, often leading to hallucinations and delusions.
  8. Borderline Personality Disorder (BPD): Characterized by intense emotions, unstable relationships, and impulsive behavior, often with a fear of abandonment.

Recognizing the Signs of Mental Health Issues

Recognizing the signs of mental health issues is crucial for early intervention. Here are some common symptoms:

  • Mood Changes: Persistent sadness, anxiety, or irritability.
  • Loss of Interest: Disinterest in activities once enjoyed.
  • Withdrawal: Avoiding social interactions and relationships.
  • Sleep or Appetite Changes: Insomnia or excessive sleep, and changes in eating habits.
  • Difficulty Concentrating: Trouble focusing or making decisions.
  • Physical Symptoms: Unexplained aches, pains, or digestive issues.

If you notice these signs in yourself or others, it’s important to seek help from a mental health professional.

Seeking Help for Mental Health Issues

Seeking help is a vital step in managing mental health issues. Here are some options:

  • Talk to a Trusted Person: Sharing your feelings with a friend or family member can provide relief and support.
  • Consult a Mental Health Professional: Therapists and counselors can offer guidance and treatment tailored to your needs.
  • Join Support Groups: Connecting with others who share similar experiences can be therapeutic.
  • Use Mental Health Resources: Apps and hotlines provide immediate support, from guided meditations to access to professional help.

Self-Care Tips for Mental Health

Self-care is essential for maintaining mental health. Consider these practices:

  • Exercise Regularly: Physical activity boosts mood and reduces anxiety.
  • Eat a Balanced Diet: Nutrition affects both physical and mental well-being.
  • Get Adequate Sleep: Prioritize 7-9 hours of sleep each night.
  • Practice Mindfulness: Meditation and mindfulness can reduce stress and improve focus.
  • Set Boundaries: Protect your time and energy by saying no when necessary.

The Role of Society in Mental Health

As a society, we need to prioritize mental health just as much as physical health. This means creating environments—whether at home, work, or school—that support mental well-being. It also means advocating for better access to mental health care and resources for everyone, regardless of their circumstances.

Conclusion

Mental health issues affect millions, yet the stigma surrounding them often keeps the conversation silent. By understanding mental health, recognizing the signs of mental health problems, and seeking help, we can break the stigma and create a more supportive society. Remember, mental health is just as important as physical health, and it’s okay to talk about it.

Let’s continue the conversation and work together to break the stigma around mental health.

Mental health awarness

Top Travel Destinations To Explore in 2024

As the world opens up and travel becomes increasingly accessible, 2024 promises to be an exciting year for globetrotters. A growing desire for unique experiences, cultural immersion, and a heightened awareness of sustainability shapes this year’s travel trends. Whether you’re a seasoned traveler or planning your next big adventure, here are the top travel destinations for 2024 and some sustainable travel tips to ensure your journey is both memorable and environmentally friendly.

1. Japan: A Blend of Tradition and Innovation

Japan

Japan continues to captivate travelers with its seamless blend of ancient traditions and cutting-edge innovation. With the recent reopening to international tourists, 2024 is the perfect year to explore this fascinating country. From the serene temples of Kyoto to the bustling streets of Tokyo, and the natural beauty of Hokkaido, Japan offers something for everyone.

Must-See Spots:

  • Kyoto’s Arashiyama Bamboo Grove: A peaceful escape into nature.
  • Tokyo’s Shibuya Crossing: Experience the world’s busiest pedestrian crossing.
  • Hokkaido’s Hot Springs: Relax in Japan’s famous onsen after a day of exploring.

2. Slovenia: Europe’s Hidden Gem

Slovenia

Slovenia is emerging as one of Europe’s top travel destinations, known for its stunning landscapes, rich history, and commitment to sustainability. This small but diverse country offers everything from the breathtaking Julian Alps to the picturesque shores of Lake Bled and the vibrant capital city of Ljubljana.

Must-See Spots:

  • Lake Bled: Take a traditional pletna boat to the island in the middle of the lake.
  • Ljubljana’s Old Town: Wander through the charming streets of one of Europe’s greenest capitals.
  • Triglav National Park: Hike through Slovenia’s only national park and explore its majestic mountains.

3. New Zealand: Adventure Awaits

New Zealand

New Zealand remains a dream destination for adventure seekers and nature lovers alike. With its diverse landscapes ranging from pristine beaches to rugged mountains, New Zealand offers endless opportunities for outdoor activities. 2024 is an ideal year to visit, with new eco-friendly accommodations and sustainable travel options making it easier than ever to explore responsibly.

Must-See Spots:

  • Milford Sound: Cruise through the fjords of this UNESCO World Heritage site.
  • Rotorua’s Geothermal Wonders: Discover the unique geothermal landscapes and Maori culture.
  • Queenstown: Known as the adventure capital of the world, perfect for adrenaline junkies.
  • Glow Worm Caves & Bay of Islands

4. Costa Rica: A Pioneer in Ecotourism

Costa Rica

Costa Rica is a leader in ecotourism, making it a top choice for environmentally conscious travelers. This Central American paradise is renowned for its lush rainforests, diverse wildlife, and stunning beaches. With a strong commitment to conservation, Costa Rica is perfect for those looking to explore nature while minimizing their environmental impact.

Must-See Spots:

  • Arenal Volcano National Park: Hike around the active Arenal Volcano and relax in nearby hot springs.
  • Monteverde Cloud Forest: Explore the misty cloud forests and spot unique wildlife like the resplendent quetzal.
  • Manuel Antonio National Park: Enjoy the beautiful beaches and diverse ecosystems within this compact national park.

5. Iceland: Land of Fire and Ice

Ice Land

Iceland continues to be a top destination for travelers seeking dramatic landscapes and natural wonders. From cascading waterfalls to geothermal hot springs, Iceland offers a truly otherworldly experience. As a leader in renewable energy and environmental protection, Iceland is also a great choice for sustainable travel in 2024.

Must-See Spots:

  • Golden Circle: Visit the iconic Thingvellir National Park, Geysir geothermal area, and Gullfoss waterfall.
  • Blue Lagoon: Relax in the famous geothermal spa surrounded by a volcanic landscape.
  • Reykjavik: Explore the vibrant capital city with its colorful architecture and rich cultural scene.

6. Argentina: From Tango to Glaciers

Argentina

Argentina is a country of dramatic contrasts, offering everything from vibrant cities to natural wonders. Whether you’re exploring the cosmopolitan streets of Buenos Aires or trekking in Patagonia, Argentina is a destination that captivates with its diversity.

Must-See Spots:

  • Buenos Aires: Immerse yourself in the city’s tango culture and historic neighborhoods.
  • Iguazu Falls: Witness the breathtaking power of one of the world’s largest waterfalls.
  • Patagonia: Explore the stunning landscapes of glaciers, mountains, and lakes.

7. Portugal: Coastal Beauty and Historic Charm

Portugal

Portugal is quickly becoming a favorite destination for travelers seeking a mix of history, culture, and natural beauty. Its stunning coastlines, historic cities, and warm hospitality make it a top pick for 2024.

Must-See Spots:

  • Lisbon: Wander through the charming neighborhoods of Alfama and Bairro Alto.
  • Porto: Explore the city’s historic architecture and enjoy a glass of port wine.
  • Algarve: Relax on the golden beaches and explore the rugged cliffs and caves.

8. Morocco: A Journey Through Time

Morocco

Morocco is a land of contrasts, where ancient traditions meet modern influences. From the bustling souks of Marrakech to the vast Sahara Desert, Morocco offers a sensory-rich travel experience.

Must-See Spots:

  • Marrakech’s Medina: Get lost in the vibrant markets and admire the intricate architecture.
  • Chefchaouen: Discover the enchanting blue city nestled in the Rif Mountains.
  • Sahara Desert: Experience the magic of the desert with a camel trek and a night under the stars.

9. Norway: The Land of Fjords and Northern Lights

Norway

Norway is a destination for nature enthusiasts, offering stunning fjords, towering mountains, and the mesmerizing Northern Lights. Its commitment to sustainability and conservation makes it a top choice for eco-conscious travelers.

Must-See Spots:

  • Geirangerfjord: Cruise through one of the most beautiful fjords in the world.
  • Tromsø: Chase the Northern Lights in the Arctic Circle.
  • Lofoten Islands: Explore the dramatic landscapes and picturesque fishing villages.

10. Peru: History and Adventure in the Andes

Peru

Peru is a dream destination for those interested in ancient history, outdoor adventure, and rich cultural experiences. From the iconic Machu Picchu to the vibrant markets of Cusco, Peru offers something for every traveler.

Must-See Spots:

  • Machu Picchu: Hike the Inca Trail to the breathtaking ancient ruins.
  • Cusco: Explore the historic heart of the Inca Empire and its vibrant markets.
  • Sacred Valley: Discover the beauty of this fertile region dotted with archaeological sites and traditional villages.

11. Kyrgyzstan: Travel In The Hidden Gem of Central Asia

Kyrgyzstan

Kyrgyzstan is an emerging destination for those seeking off-the-beaten-path adventures. With its stunning mountainous landscapes, rich nomadic culture, and warm hospitality, Kyrgyzstan offers a unique travel experience that is still relatively undiscovered by mainstream tourists.

Must-See Spots:

  • Issyk-Kul Lake: One of the world’s largest alpine lakes, surrounded by snowy peaks and sandy beaches.
  • Ala Archa National Park: A hiker’s paradise with dramatic gorges, glaciers, and alpine meadows.
  • Bishkek: Explore the capital city’s Soviet-era architecture, vibrant bazaars, and cultural sites.

12. Albania: The Balkans’ Best-Kept Secret

Albania

Albania is quickly gaining recognition as one of Europe’s most intriguing travel destinations. With its unspoiled beaches, ancient ruins, and rugged mountains, Albania offers a diverse range of experiences without the crowds of more popular European spots.

Must-See Spots:

  • Tirana: The capital city’s colorful buildings, lively cafés, and fascinating history.
  • Riviera: Discover the pristine beaches of the Albanian Riviera, including Ksamil and Himara.
  • Gjirokastër: Wander through the well-preserved Ottoman architecture in this UNESCO World Heritage site.

Conclusion

2024 is set to be a remarkable year for travel, with diverse destinations offering unique experiences and opportunities for sustainable exploration. Whether you’re drawn to the cultural richness of Japan, the natural beauty of New Zealand, or the eco-friendly initiatives of Costa Rica, there’s something for every type of traveler. By incorporating sustainable travel practices into your journey, you can enjoy the adventure of a lifetime while preserving the planet for future generations.

So pack your bags, plan your trip, and embrace the travel trends of 2024!

Happy Travelling!!!

20 Free Micro-Credential Programs that offer Certification

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Micro-credentials are short, focused courses or certifications that validate skills and knowledge in particular areas. They are often industry-specific and can be completed in a fraction of the time it takes to earn a traditional degree. Digital badges, certificates, and nano degrees are common forms of micro-credentials. In today’s fast-paced world, continuous learning is key to staying relevant in the job market. Micro-credential programs offer a convenient and accessible way to acquire new skills or enhance existing ones. In India and Internationally, several platforms provide free micro-credential programs that last between 3 to 6 months, opening doors to numerous opportunities for learners. Let’s take a closer look at some of these programs:

NPTEL Online Courses

https://nptel.ac.in/

  • Duration: Typically 12-16 weeks
  • Description: NPTEL collaborates with prestigious Indian institutes like IITs and IISc to offer courses in engineering, science, humanities, and management. Learners gain in-depth knowledge and certification in their chosen field.

SWAYAM Courses

https://swayam.gov.in/explorer

  • Duration: Around 12-16 weeks
  • Description: SWAYAM provides free courses across various levels, from school to postgraduate, covering diverse subjects. Learners access high-quality courses delivered by experts from renowned Indian institutions.

Spoken Tutorial

https://spoken-tutorial.org/

  • Duration: Self-paced
  • Description: Spoken Tutorial offers free courses on topics like programming languages (e.g., Python) and office productivity tools. Learners benefit from video tutorials and practice exercises, gaining practical skills.

FutureLearn Courses

https://www.futurelearn.com/courses

  • Duration: Varies (typically 2-8 weeks)
  • Description: FutureLearn collaborates with Indian and international universities to offer free courses in domains like business, healthcare, and technology. Learners receive valuable insights and certifications.

e-Learning Courses by IGNOU

https://iop.ignouonline.ac.in/programme/0

  • Duration: Varies
  • Description: IGNOU offers free e-learning courses in education, humanities, social sciences, and more. Learners access comprehensive study materials, videos, and assignments to acquire relevant skills.

Tata Interactive Systems (TIS) Courses

https://www.tcs.com/careers

  • Duration: Varies (typically 4-6 weeks)
  • Description: TIS offers free online courses on digital skills, technology, soft skills, and more. Learners can access interactive modules, and quizzes, and obtain certifications.

Google Digital Unlocked

https://grow.google/intl/en_in/

  • Duration: Self-paced
  • Description: Google Digital Unlocked offers free online courses on digital marketing, data and tech, career development, and entrepreneurship. Learners can earn certifications upon completion.

Google Career Certificates (Coursera)

https://www.coursera.org/in/google-career-certificates

  • Duration: Varies
  • Description: Offers career-focused programs in IT support, data analytics, project management, and UX design, providing hands-on training and certificates upon completion. Financial aid may be available for those who qualify.

 Facebook Blueprint

https://www.facebook.com/business/learn/certification

  • Duration: Self-paced
  • Description: Facebook Blueprint offers free online courses covering Facebook, Instagram, and Messenger marketing. Learners can earn certifications in topics like advertising, analytics, and community management.

HubSpot Academy

https://academy.hubspot.com/

  • Duration: Self-paced
  • Description: HubSpot Academy provides free courses on inbound marketing, sales, customer service, and more. Learners can earn certifications and badges to showcase their expertise.

Microsoft Learn

https://learn.microsoft.com/en-us/training/browse/

  • Duration: Self-paced
  • Description: Microsoft Learn offers free online courses on Azure, Microsoft 365, Power Platform, and more. Learners can earn certifications and gain practical skills for Microsoft products and services.

IBM Data Science Professional Certificate (Coursera)

https://www.coursera.org/professional-certificates/ibm-data-science

  • Duration: Approximately 3-6 months
  • Description: Covers Python programming, data analysis, machine learning, and data visualization, with real-world projects and certifications.

Deep Learning Specialization (Coursera)

https://www.coursera.org/courses

  • Duration: Around 3-5 months
  • Description: Offers in-depth coverage of neural networks, deep learning, convolutional networks, and sequence models, with hands-on projects.

Microsoft Professional Program in Data Science (edX)

https://courses.edx.org/courses/

  • Duration: Approximately 3-6 months
  • Description: Covers data science essentials, statistics, machine learning, and data analysis using Excel, Python, and R, with real-world projects.

Introduction to Computer Science and Programming Using Python (edX)

https://www.edx.org/learn/computer-science/massachusetts-institute-of-technology-introduction-to-computer-science-and-programming-using-python

  • Duration: Approximately 3-6 months
  • Description: Teaches fundamental concepts of computer science using Python, including algorithms, data structures, and programming techniques, with hands-on exercises.

Front-End Web Developer Nanodegree (Udacity)

https://www.udacity.com/course

Duration: Approximately 4 months (10 hours/week)

Description: This nanodegree program covers HTML, CSS, JavaScript, and responsive web design. Learners build projects to showcase their skills and receive personalized feedback.

SQL for Data Science (Coursera)

https://www.coursera.org/learn/sql-for-data-science

  • Duration: Around 3 months (4-6 hours/week)
  • Description: Offered by the University of California, Davis, this course covers SQL basics and advanced techniques for data analysis. Learners work on real-world datasets and SQL projects.

Python for Everybody Specialization (Coursera)

https://www.coursera.org/learn/python-crash-course

  • Duration: Around 3-6 months (4-6 hours/week)
  • Description: Offered by the University of Michigan, this specialization covers Python programming fundamentals, data structures, web scraping, and databases.

Data Science MicroMasters Program (edX)

https://www.edx.org/masters/micromasters/mitx-statistics-and-data-science

  • Duration: Approximately 4-6 months per course (self-paced)
  • Description: This program includes courses on probability and statistics, machine learning, data analysis, and big data. Learners can take individual courses or pursue the full MicroMasters program.

AWS Cloud Practitioner Essentials (AWS Training and Certification)

https://aws.amazon.com/training/

  • Duration: Self-paced (approximately 3 months)
  • Description: This free online course introduces learners to cloud computing and AWS services. It covers basic AWS concepts, architecture, security, and pricing models.

Benefits of Micro-Credentials

  • Flexibility: Micro-credential programs are designed to accommodate learners’ schedules, allowing them to study at their own pace.
  • Accessibility: Free micro-credential programs democratize education, making high-quality learning resources accessible to a wider audience.
  • Relevance: These programs are often aligned with industry needs, equipping learners with skills that are in demand in the job market.
  • Certification: Upon successful completion, learners receive certificates, validating their proficiency and enhancing their employability.

Wind Up

Free micro-credential programs in India and internationally offer a gateway to continuous learning and professional development. By participating in these programs, individuals can acquire valuable skills, advance their careers, and adapt to the evolving demands of the modern workforce. As the landscape of education continues to evolve, micro-credentials stand out as catalysts for unlocking opportunities and empowering individuals to thrive in an ever-changing world.

https://chd.in/cervical-cancer-the-hot-topic-in-the-country/: 20 Free Micro-Credential Programs that offer Certification

Cervical Cancer: The Hot Topic In the Country

In her interim budget speech for 2024-25, Union Finance Minister Nirmala Sitharaman emphasized the government’s commitment to actively “promote” vaccination against cervical cancer. Following the recommendation by the National Technical Advisory Group for Immunization (NTAGI) two years prior to include the HPV Vaccine in the Universal Immunization Programme (UIP) for women’s health.
Cervical cancer, a significant health concern affecting women worldwide, requires urgent attention and comprehensive strategies for prevention and treatment. In this blog post, we’ll delve into the specifics of cervical cancer, including its symptoms, prevention strategies, and available treatment options, with a focus on empowering women to prioritize their health and well-being.

Understanding Cervical Cancer In Women:

  • It develops in the cells of the cervix, the lower part of the uterus that connects to the vagina.
  • The primary cause of cervical cancer is infection with high-risk strains of the human papillomavirus (HPV), a sexually transmitted infection.
  • Cervical cancer typically progresses slowly, starting with precancerous changes that may eventually develop into invasive cancer if left untreated.

Symptoms:

  • Early-stage cervical cancer may not cause any noticeable symptoms.
  • As the cancer progresses, symptoms may include abnormal vaginal bleeding between periods, after intercourse, or after menopause, pelvic pain or discomfort, and abnormal vaginal discharge.
  • Advanced cervical cancer may cause additional symptoms such as weight loss, fatigue, leg pain or swelling, and urinary problems.

Prevention:

  • HPV Vaccination: Vaccination against HPV is a highly effective preventive measure, particularly when administered before the onset of sexual activity. The HPV vaccine is recommended for both boys and girls aged 9 to 26.
  • Regular Pap Smear Tests: Routine cervical cancer screening with Pap smears or HPV tests can detect precancerous changes early, allowing for prompt intervention and treatment.
  • Safe Sexual Practices: Practising safe sex, including consistent condom use and limiting sexual partners, can reduce the risk of HPV infection and subsequent cancer.
  • Smoking Cessation: Smoking increases the risk of cervical cancer. Quitting smoking can help lower the risk of developing cervical cancer and other health complications.

Treatment Options:

  • Treatment depends on the stage and extent of the disease, as well as the individual’s overall health and preferences.
  • In Treatment options may include surgery (such as hysterectomy or removal of lymph nodes), radiation therapy, chemotherapy, or a combination of these approaches.
  • In early-stage cancer, surgery may cure the disease, while advanced-stage cancer may necessitate a combination of treatments to manage symptoms and slow disease progression.

Conclusion:

Cervical cancer is a significant public health issue, but it is also highly preventable and treatable, especially when detected early through regular screening and vaccination against HPV. By prioritizing preventive measures such as vaccination, regular screenings, and safe sexual practices, women can take proactive steps to protect themselves against it and prioritize their health and well-being. 
As we celebrate International Women’s Day and beyond, let us continue to advocate for women’s health and empower women to take charge of their health journey. 
 

HAPPY WOMEN’S DAY!

  More Blogs – https://chd.in/inhale-calm-exhale-chaos-a-journey-into-meditation/

Busy but Fit: Rapid HIIT Routines for Hectic Lifestyles

Life can be super busy, right? Between work, family, and everything else, finding time to exercise can seem impossible. But here’s the thing: staying active is really important for our health. That’s where HIIT comes in! It’s a special kind of workout that’s perfect for busy people like us. It’s quick, effective, and doesn’t take a lot of time. So, if you’re always on the go but still want to stay fit, HIIT workouts are the way to go! Let’s learn more about how they can fit right into our busy schedules.

What is HIIT?

High-Intensity Interval Training (HIIT) is a form of exercise that alternates between short bursts of intense activity and brief periods of rest or recovery. This type of workout is known for its efficiency in burning calories, improving cardiovascular health, and boosting metabolism in a relatively short amount of time.

Benefits of HIIT for Busy People:

  • Time-Efficient: HIIT workouts typically last anywhere from 10 to 30 minutes, making them ideal for individuals with busy schedules who struggle to find time for longer gym sessions.
  • Effective Fat Burning: The intense nature of HIIT workouts not only burns calories during the workout but also increases post-exercise calorie expenditure, leading to continued fat burning even after the workout is over.
  • No Equipment Necessary: Many HIIT workouts require minimal or no equipment, making them accessible for busy individuals who prefer to exercise at home or while travelling.

Sample HIIT Workouts:

Tabata Training:

  • Perform each exercise for 20 seconds at maximum intensity, followed by 10 seconds of rest. Complete 8 rounds for each exercise before moving on to the next.
  • Exercises: Jump squats, push-ups, mountain climbers, burpees, high knees.

Bodyweight Circuit:

  • Perform each exercise for 45 seconds, followed by 15 seconds of rest. Complete 3 rounds of the circuit.
  • Exercises: Jumping jacks, bodyweight squats, push-ups, plank jacks, bicycle crunches.

Interval Running:

  • Alternate between 30 seconds of sprinting at maximum effort and 60 seconds of walking or jogging for recovery. Repeat for 10-15 minutes.
  • If outdoors, use landmarks like street corners or lamp posts as markers for intervals. If on a treadmill, adjust speed accordingly.

Pyramid Workout:

  • Perform each exercise for 30 seconds, then rest for 15 seconds. Increase the duration of each exercise by 15 seconds with each round, up to a maximum of 60 seconds, then work your way back down the pyramid.
  • Exercises: Jump lunges, push-up with shoulder taps, plank with leg lifts, bicycle crunches.

Tips for Success:

  • Stay Consistent: Aim to incorporate HIIT workouts into your weekly routine, scheduling them like any other appointment to ensure consistency.
  • Listen to Your Body: While HIIT is intense, it’s important to listen to your body and modify exercises or rest as needed to prevent injury and avoid overexertion.
  • Hydrate and Refuel: Stay hydrated before, during, and after your HIIT workouts, and refuel with a balanced meal or snack containing protein and carbohydrates to aid in recovery.

Conclusion:

With the demands of modern life, finding time for fitness can be challenging, but HIIT workouts offer a convenient and effective solution for busy individuals looking to prioritise their health and well-being. By incorporating these sample HIIT workouts into your routine and following the tips for success, you can maximise your fitness in minimal time, achieving your health and fitness goals even with the busiest of schedules. 
Remember, consistency is key, so stay committed and enjoy the benefits of a fitter, healthier you!
 

Happy Workout!

Inhale Calm, Exhale Chaos: A Journey into Meditation

In today’s busy world, we all need some peace and quiet now and then. But with everything going on, finding calm can be tough. That’s where meditation comes in—it’s like a mini vacation for your mind!

Meditation is not about zoning out or emptying your mind completely; rather, it’s a practice of training your mind to focus on the present moment and cultivate a sense of awareness and inner peace. Meditation is about focusing on your breathing and being aware of the present moment. 

Here’s how to do it:

  • Find a Quiet Space: To begin your meditation practice, find a quiet and comfortable space where you won’t be disturbed. It could be a cozy corner of your home, a peaceful spot in nature, or even just a quiet room with minimal distractions.

  • Get Comfortable: Once you’ve found your meditation space, find a comfortable seated position. You can sit cross-legged on the floor, on a cushion, or in a chair—whatever feels most comfortable for you. Keep your back straight and your hands resting gently in your lap.

  • Close Your Eyes: Close your eyes gently and take a few deep breaths to centre yourself. As you breathe in, imagine filling your body with fresh, revitalising energy. As you breathe out, imagine releasing any tension or stress you may be holding onto.

  • Focus on Your Breath: Bring your attention to your breath and notice the sensation of each inhale and exhale. You can focus on the rising and falling of your chest, the feeling of air entering and leaving your nostrils, or the gentle rise and fall of your abdomen.

  • Be Present: As you continue to breathe mindfully, you may notice thoughts, emotions, or sensations arising in your mind. This is completely normal—just acknowledge them without judgement and gently guide your attention back to your breath.

  • Practice Mindfulness: Mindfulness is the practice of being fully present in the moment, without judgement or attachment. As you meditate, try to cultivate a sense of openness and acceptance towards whatever arises in your mind and body.

  • Continue Breathing: Continue to focus on your breath for a few minutes, allowing yourself to sink deeper into a state of relaxation and presence. If your mind wanders, gently guide it back to your breath without getting frustrated or discouraged.

  • End with Gratitude: When you’re ready to end your meditation practice, take a moment to express gratitude for this time you’ve dedicated to yourself. Notice how you feel—perhaps more relaxed, centred, or at peace—and carry that feeling with you as you go about your day.

With practice, meditation can help you feel less stressed, more focused, and happier overall. It’s a simple way to take a break from the chaos of life and find some inner peace.

So, whenever you need a moment to unwind, give meditation a try. Inhale calm, exhale chaos—it’s like pressing a reset button for your mind!

HAPPY MEDITATION

Additional Information:

Blog – https://chd.in/50-quotes-that-can-be-your-guiding-light/

50 Quotes That Can Be Your Guiding Light

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Quotes have the power to illuminate our paths, offering wisdom, motivation, and perspective. Here are 50 quotes that can serve as guiding lights in various aspects of life, inspiring us to pursue our dreams, overcome obstacles, and live with purpose and fulfilment.

  1. “The only way to do great work is to love what you do.” – Steve Jobs

  2. “In the end, it’s not the years in your life that count. It’s life in your years.” – Abraham Lincoln

  3. “Success is not final, failure is not fatal: It is the courage to continue that counts.” – Winston Churchill

  4. “Believe you can and you’re halfway there.” – Theodore Roosevelt

  5. “The greatest glory in living lies not in never falling, but in rising every time we fall.” – Nelson Mandela

  6. “Happiness is not something ready-made. It comes from your own actions.” – Dalai Lama

  7. “The only way to make sense out of change is to plunge into it, move with it, and join the dance.” – Alan Watts

  8. “The way to get started is to quit talking and begin doing.” – Walt Disney

  9. “Your time is limited, don’t waste it living someone else’s life.” – Steve Jobs

  10. “You miss 100% of the shots you don’t take.” – Wayne Gretzky

  11. “The only impossible journey is the one you never begin.” – Tony Robbins

  12. “You only live once, but if you do it right, once is enough.” – Mae West

  13. “The best way to predict the future is to create it.” – Peter Drucker

  14. “It does not matter how slowly you go as long as you do not stop.” – Confucius

  15. “The future belongs to those who believe in the beauty of their dreams.” – Eleanor Roosevelt

  16. “Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful.” – Albert Schweitzer

  17. “Life is 10% what happens to us and 90% how we react to it.” – Charles R. Swindoll

  18.  “Only a life lived for others is a life worthwhile.” – Albert Einstein

  19. “The only thing worse than being blind is having sight but no vision.” – Helen Keller

  20. “The only place where success comes before work is in the dictionary.” – Vidal Sassoon

  21. “The biggest risk is not taking any risk. In a world that’s changing quickly, the only strategy that is guaranteed to fail is not taking risks.” – Mark Zuckerberg

  22. “Life is what happens when you’re busy making other plans.” – John Lennon

  23. “Don’t let yesterday take up too much of today.” – Will Rogers

  24. “It’s not the load that breaks you down, it’s the way you carry it.” – Lou Holtz

  25. “The only person you are destined to become is the person you decide to be.” – Ralph Waldo Emerson

  26. “You are never too old to set another goal or to dream a new dream.” – C.S. Lewis

  27. “You may say I’m a dreamer, but I’m not the only one. I hope someday you’ll join us. And the world will live as one.” – John Lennon

  28. “You can’t go back and change the beginning, but you can start where you are and change the ending.” – C.S. Lewis

  29. “The journey of a thousand miles begins with one step.” – Lao Tzu

  30. “The only limit to our realization of tomorrow will be our doubts of today.” – Franklin D. Roosevelt

  31. “Success is not in what you have, but who you are.” – Bo Bennett

  32. “The only thing standing between you and your goal is the story you keep telling yourself as to why you can’t achieve it.” – Jordan Belfort

  33. “The only true wisdom is in knowing you know nothing.” – Socrates

  34. “Be the change that you wish to see in the world.” – Mahatma Gandhi

  35. “Life is not about waiting for the storm to pass, but learning to dance in the rain.” – Vivian Greene

  36. “Life is made of ever so many partings welded together.” – Charles Dickens

  37. “Our greatest glory is not in never falling, but in rising every time we fall.” – Confucius

  38. “Do not wait to strike till the iron is hot, but make it hot by striking.” – William Butler Yeats

  39. “Happiness is not something you postpone for the future; it is something you design for the present.” – Jim Rohn

  40. “The only thing necessary for the triumph of evil is for good men to do nothing.” – Edmund Burke

  41. “The best time to plant a tree was 20 years ago. The second best time is now.” – Chinese Proverb

  42. “The harder you work for something, the greater you’ll feel when you achieve it.” – Unknown

  43. “Don’t watch the clock; do what it does. Keep going.” – Sam Levenson

  44. “Action is the foundational key to all success.” – Pablo Picasso

  45. “The only way to achieve the impossible is to believe it is possible.” – Charles Kingsleigh (Alice in Wonderland)

  46. “Dream big and dare to fail.” – Norman Vaughan

  47. “If you look at what you have in life, you’ll always have more. If you look at what you don’t have in life, you’ll never have enough.” – Oprah Winfrey

  48. “Don’t count the days, make the days count.” – Muhammad Ali

  49. “The only thing we have to fear is fear itself.” – Franklin D. Roosevelt

  50. “It always seems impossible until it is done.” – Nelson Mandela

These quotes, along with the subsequent ones, offer valuable insights and perspectives on life, success, happiness, and resilience. They serve as guiding lights, inspiring us to embrace our true selves, pursue our dreams, and navigate life’s journey with courage and determination.

Open your arms to these guiding quotes now and let them illuminate your journey.

Chandigarh Metro Rail Project: A Long-Awaited Green Light

Chandigarh, a union territory and the capital city of the Indian states of Punjab and Haryana, has experienced rapid urbanization and population growth over the years, leading to escalating traffic congestion and challenges in providing efficient public transportation solutions. As the city continues to expand and accommodate its burgeoning population, the need for a reliable and sustainable mass transit system has become increasingly evident. The proposed Chandigarh Metro Project emerged as a promising solution to address these pressing issues. A metro system offers numerous benefits, including reduced traffic congestion, improved air quality, enhanced mobility for residents, and increased connectivity across different parts of the city.

About Chandigarh Metro Project

After a lengthy wait of approximately 14 years, the Chandigarh Metro Project has finally received the ultimate approval from the UT administration to serve the Chandigarh Capital Region, which includes Chandigarh and adjacent areas in Punjab and Haryana states of India. In Phase-1, to be progressively built and operationalised between 2027 to 2034, 3 lines will connect tri-cities of Chandigarh, Mohali in Punjab and Panchkula in Haryana. Phase-2, to be constructed after 2034, will connect Pinjore in Haryana and further expand the network in Mohali with 2 more lines. The project, which was initially scrapped in 2017 due to low financial viability, was approved in March 2023 and received formal clearance in July 2023 from the governments of Punjab and Haryana after a Detailed Project Report (DPR) was created.

PHASE – 1

In the first phase, the first of the three lines will connect various areas within Chandigarh, and the other two lines will connect the tri-cities with each other. The network will be 91 km (57 mi) long, which increased the previous plan of 77 km (48 mi) by more than 24 km. Out of the 77-km network, Chandigarh will have 35 km, Panchkula will have 11 km, and Mohali and New Chandigarh together will have 31 km of network. It will be progressively built and operationalized between 2027 to 2034 at a cost of ₹ 10,570 crore, to be funded by the governments of Punjab and Haryana (20 percent), the Government of India (20 percent) and the remaining 60 percent by a lending agency to be selected. Its Detailed Project Report (DPR) will be created by RITES, at a cost of ₹ 6.5 crore.

Line 1

Line 1 will be 34 km (21 mi) long. It will connect ISBT Panchkula to Panchkula Extension, wherein the localities of Sultanpur (New Chandigarh), Kurali, Sarangpur, Khuda Lahora, PGI, Panjab University, Transport Light, Sector 26, Chandigarh railway station, Mauli Jagran Road, Housing Board Chowk, Geeta Chowk (Panchkula), ISBT Panchkula, Maheshpur road, Amartex road, Sector 20 Panchkula and Panchkula Extension Sector 28 (Madanpur) will have stations.

Line 2

Line 2 will be 41 km (25 mi) long. It will connect Rock Garden and Sukhna Lake to ISBT Zirakpur via Industrial Area and Chandigarh Airport, wherein the localities of Rock Garden, Sukhna Lake, Sector 17 Chandigarh, ISBT Sector 43, Fountain Chowk, Himalaya Marg, Gurdwara Singh Shaheedan (Mohali), Jail Road Chowk, Airport Chowk and Aerocity NH-7 Junction and ISBT Zirakpur. The route will join the ISBTs of Mohali and Zirakpur together, which are major transport hubs in the tri-city.

Line 3

Line 3 will be 13 km (8.1 mi) long. It will connect Grain Market Chowk, Sector 39 Chandigarh to Transport Chowk, Sector 26 Chandigarh, wherein the localities of Vikas Marg and Tribune Chowk will have stations in between the route.

PHASE – 2

The second phase of the project will consist of two more lines, taking the total number of lines to five. The network will be 25 km (16 mi) long, thereby increasing the total network length to 109 km (68 mi). It will be constructed after 2037.

Line 1

Line 1 will be 5 km (3.1 mi) long. It will connect Airport Chowk to Manakpur Kallar.

Line 2

Line 2 will be 20 km (12 mi) long. It will connect ISBT Zirakpur to Pinjore. Overall, the Chandigarh Metro Project holds immense promise in improving the quality of life, enhancing connectivity, and fostering sustainable urban development in the Chandigarh Capital Region. As the project progresses, it is poised to become a symbol of progress and modernization, enriching the lives of residents and visitors alike.

So, Chandigarhians, are you ready for the metro revolution?

 
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