Calculator Loan Program Application Form. Policies And Procedures: Fill & Download for Free

Axis Bank is back with the tenth edition of its Axis Bank Young Bankers (ABYB) program. A one year, full time residential program, ABYB program is an endeavour by Axis Bank to nurture a talent pool of young bankers by equipping graduates with necessary domain expertise and skill set in the field of banking. The program will be conducted at two training campuses, Manipal Global Education in Bangalore and Amity Global Business School in Noida. Last date to register for the program is March 19, 2016.On successful completion of the course, the student will be awarded the Post Graduate Diploma in Banking Services (PGDBS). Post the training phase candidates will join the bank as Customer Service Officer (CSO) – at Assistant Manager grade - with an annual salary of Rs. 4.12 lakh.Important dates to rememberApplication window opens March 1, 2017Last date of application March 19, 2017Online assessments Between April 1 to April 4, 2017Interview process Between April 24 to April 28, 2017Payment of caution deposit fees Between May 11 to May 17, 2017Program starts Between June 6 to June 9, 2017Eligibility criteriaGraduates from any stream, with 55% and above in their final year of graduation or aggregate of 55% and above in graduation, can apply for the program. They have to be between 21 to 25 years of age, i.e. born on or after April 1, 1992. There are no relaxations in age or qualifications for SC/ST/OBC/PWD applicants.Candidates who have an Axis Bank employee as a relative will not be allowed for the program. Postgraduate degree holders too are not eligible.ABYB selection processThe bank will select candidates through a two-stage selection process consisting of an online aptitude test followed by an interview. The aptitude test will be conducted online and duration will be 2 hours (approximately). The test will assess the proficiency of candidates in four modules:Module name Duration (minutes)English 15Quantitative ability 15Logical reasoning 15Personality 20Candidate will not be allowed to use a calculator or any other calculating device and will have to complete all the modules. There is no negative marking. Each module has a fixed number of questions that need to be attempted in the allotted time. The time allotted for each module is exclusive to that module only and will not carry forward to the next module.All the applicants who successfully clear the Aptitude test will be invited for a personal interview (PI). Candidates will be informed of their progress and status at each stage by email and SMS.Before the PI, each candidate has to find out exactly what the academic program is all about and what the role of a Customer Service Officer (CSO) involves. The candidate also needs to have an impressive resume detailing interests and achievements (in or out of work) that are related to the job. They will be asked a series of questions related to the resume, and profile and the role to offer by the panel. The interview panel will consist of Axis bank officials.Self attested photocopy of the graduation degree/ mark sheet, an identity proof and duly filled job application form should be kept ready for submission at the time of PI.The candidates will have to appear for the Online Aptitude Test and Personal Interview at their own expense.After successful screening, the candidates will have to undergo pre-joining medical and background verification process. They will have to submit a self-declaration medical fitness form. Bank will also verify their education qualifications and background.The selected applicants will be issued admission and provisional letter of appointment from Axis bank towards their future employment.ABYB programCandidates who are finally selected are required to undergo 1 year, full time residential program at Manipal Global Education in Bangalore Or Amity Global Business School in Noida. The classes for the upcoming batch are scheduled to start between June 6 – 9, 2017.As part of the curriculum, candidates will undergo 9-month classroom sessions and 3-month internship at any Axis bank branch. During the course of training, monthly stipend of Rs. 5000 (for 9 months) and Rs.12000 (for internship) would be paid.Application processCandidates interested in applying for the ABYB program can apply. Here is a step-by-step process on how to:1. Visit the official website Internet Banking2. Click on the Careers tab at the bottom of the page followed Young Bankers Program3. Or go directly to the Young Bankers Program page4. Click on Apply Now tab at the left of the page5. Fill up the application forms that opens up6. Pay the application fees after completing the application process7. Two emails will be sent to the registered e-mail id: first consists of the myamcat user id and password, and second to confirm receipt of application fees.The application fee of Rs. 500 is only for new registrants, and should be submitted along with the online application form before March 19, 2017.In case a candidate has already appeared for the Aspiring Minds Computer Adaptive Test (AMCAT), he/she does not need to take a fresh test. Based on the eligibility criteria of the program and AMCAT score, the candidate may be invited for the personal interview. ?Program feesInterested applicant will have to invest Rs 3,40,000 plus service tax, Swachh Bharat cess and Krishi Kalyan Cess. The payment will cover the tuition fees, boarding, lodging for the entire course. It is important to note here that there is no service bond and the fees paid will not be refunded later.The payment structure:Term Fees Service Tax @ 14% Swachh Bharat Cess @ 0.5% Krishi Kalyan Cess @ 0.5% Term Sum1 110000 15400 550 550 1,26,5002 115000 16100 575 575 1,32,2503 115000 16100 575 575 1,32,250Total 3,40,000 47600 1700 1700 391,,000The candidate can apply for the Education Loan from Axis bank.Details about the bank loan:Terms DetailsEligibility Student should be an Indian national and should have been selected under the Axis Young Bankers ProgramCourse name Post Graduate Diploma in Banking ServicesRate of interest 12. 75 % (Fixed rate)Maximum loan amount 4 lakh (inclusive of course fees, service tax & insurance premium)Processing fees NilOther charges A lumpsum amount of Rs. 2,000will be collected towards out of pocket expenses like stamp duty and document franking etc.Penalty for early closure NilPrepayment charges NilCharges for late payment Rs 500 + taxes per cheque bounce and a penal interest @ 24% per annum i.e. @ 2% per month on the overdue instalment/sRepayment instruction/instrument return charges Rs 500 plus service tax as applicable per instanceRepayment Interest servicing during the moratorium period. EMI repayment will start on completion of the moratorium period.Mode of repayment Interest/EMI repayments will be recovered on a monthly basis from the stipend account based on the standing instruction from the student.Maximum moratorium period 18 months (i.e. course period + six months)Maximum repayment period 5 years (Starts six months after the candidate has joined the active service with Axis Bank)Loan disbursement As per fee payment schedule. The payment will be made directly to the institute.Co-applicant The co-applicant should be parent(s)/guardian of the student borrower. In case of married person, co-applicant can be spouse or the parent(s)/parents-in-lawInsurance On the loan amount availed. Insurance amount can be included in the loan amount.Tentative interest amount (per lakh) during moratorium period Approximately Rs 1,083Tentative EMI amount (per lakh) post moratorium period Approximately Rs. 2,263ABYB program curriculumThe one-year PGDB program comprises four trimesters of 13 weeks each. While the first three trimesters would be conducted on campus, the fourth trimester would be internship at a designated branch of Axis Bank across the country.Classes will be held five days a week, Monday to Friday, and on Saturday candidates will be assigned to other curricular activities such as branch visits and e-learning modules. Formal classroom sessions will start from 9:00 AM and comprise seven sessions of 65 minutes each till 6:00 PM each day.Apart from the regular classes, the candidates would be required to take part in additional curricular and extra-curricular activities. Some Sundays and weekends maybe dedicated to training sessions or classes depending on academic needs. They would be required to attend 90% classes. Any leave of absence would be given only with the specific permission of the Program Coordinator.Credits have been assigned to each course based on the hours of study/learning and other associated activities like case studies, tutorial discussions, case-presentations, lectures, library work and practical-work in laboratories etc.The outline of the curriculum trimester-wise:First trimester: Basics of Banking, IT in Banking, Business communication, Managerial Economics, Business Mathematics and Statistics, Accounting, General managementSecond trimester: Banking and allied services, Banking environment, Advanced Business communication, Receipts and Payment systems, LendingThird trimester: Areas of learning covered will comprise of Financial Planning, Foreign Exchange, Credit Risk management, Retail banking, Treasury Management, Recovery Management, Business analyticsFourth trimester: On the job learning, in form of internship and project workThrough this program, Axix bank hopes to empower a young banker to demonstrate a systematic understanding of banking concepts, procedures and systems, gain critical awareness of current challenges and new trends in the industry, demonstrate an ability to communicate effectively in business situations and become a fair and responsible banker.First Published: Wed,March 08 2017 17:03 ISTRead More onAXIS BANKMANIPAL GLOBAL EDUCATIONAMITY GLOBAL BUSINESS SCHOOLCSOPrev » Symbiosis International University begins registration for SET 2017Next » JEE main 2017 admit cards outRelated NewsPai, Kotak head key panels on insolvency frameworkExecutive education moves out of classrooms as online gains tractionSBI to make global training institute operational in some monthsSocially aware corporate of the year: Right axisMost ReadThousands of Indian techies return home as US rejects visa extensionsIPL 2019, CSK vs RCB Preview: Defending champions Chennai eye winning startIs Pakistan about to hit an oil jackpot? PM Imran Khan is prayingPFC acquires govt stake in REC for Rs 14,500 croreAlto best selling model in Feb; Maruti makes clean sweep of top six spotsTop StoriesWatchmen question whether Modi's chowkidar campaign will improve their lotDelhi court orders attachment of Vijay Mallya's properties in BengaluruJet suspends flights to 13 foreign destinations, scales down 7 routesLS polls: BJP's 2nd candidate list out, Sambit Patra to contest from PuriCrisis-hit Jet Airways' lenders struggle for consensus on revival plan[ more ]MarketsMARKET WRAP: Sensex snaps 8-day rally, falls 222 pts, Nifty ends at 11,457CLSA's Wood remains 'double-overweight' on India; sees Modi return to powerWeb ExclusiveAxis Bank jumps 20% this year, analysts see more upside ahead. Here's whyWeb ExclusivePrimer: All you wanted to know about tax breaks for selling multiple housesITC surpasses HUL to reclaim title of most valuable FMCG company in m-cap[ more ]CompaniesLS polls: Google, FB, Twitter to act against paid ads violating EC normsNetflix enthusiast? Soon, you could get mobile-only plan at Rs 251 a monthSome Boeing 737 MAX orders in jeopardy after crash, pilots try software fixAfter Uber and Levi's, image sharing website Pinterest files for IPODCM Shriram to raise $35 mn from IFC to support $86 mn capex plan[ more ]OpinionIs sluggishness in investment demand a price we pay for efficiency?Congress marches into poll battle in NGO gearSawant's twin challengeMarketing offence as self-defenceJet's new flight path[ more ]Latest NewsDCM Shriram to raise $35 mn from IFC to support $86 mn capex planHigh times in Beverly Hills with pot delivery and a Gucci ashtrayGuns and tourists: Aboard the unlikely India-Pakistan 'friendship bus'Top 10 business headlines: Jet Airways revival, Karnataka bans Ola, more152 test positive for swine flu in Indore, 41 deaths reported in 2019[ more ]Todays PaperGovt crosses divestment target for 2nd year in a row; rakes in Rs 85,000 crKarnataka bans Ola for 6 months, says company flouted licence termsAmazon builds up war chest to take on Grofers, Flipkart in grocery spaceCrisis-hit Jet Airways' lenders struggle for consensus on revival planPay up, make peace: Promoters make one-time settlements with banks on loans[ more ]News you can useInsurance, mutual fund returns aren't comparable, here's whyCPSE ETF is attractive, but don't invest over 10% of portfolio: ExpertsEnrol for UAN, use the Umang app to keep a tab on provident fund paymentsLooking for regular income? You might want to start investing in ReitsProperty ownership: Allotment letter determines the date of purchasePlanning to avail of loan against property? Here are rates offered by banks[ more ]⇧ Back to TopTop StoriesMarket NewsMarket DataCompaniesOpinionEconomy & PolicyFinancePoliticsTechnologyPersonal FinanceCurrent AffairsInternationalInterim BudgetView Full Site >>Copyrights © 2019 Business Standard Private Ltd. All rights reservedHome› CurrentaffairsAxis Bank announces Young Bankers program 2017-18By Trupti Ramball |Last Updated at March 21 2017 17:52 ISTAxis Bank is back with the tenth edition of its Axis Bank Young Bankers (ABYB) program. A one year, full time residential program, ABYB program is an endeavour by Axis Bank to nurture a talent pool of young bankers by equipping graduates with necessary domain expertise and skill set in the field of banking. The program will be conducted at two training campuses, Manipal Global Education in Bangalore and Amity Global Business School in Noida. Last date to register for the program is March 19, 2016.On successful completion of the course, the student will be awarded the Post Graduate Diploma in Banking Services (PGDBS). Post the training phase candidates will join the bank as Customer Service Officer (CSO) – at Assistant Manager grade - with an annual salary of Rs. 4.12 lakh.Important dates to rememberApplication window opensMarch 1, 2017Last date of applicationMarch 19, 2017Online assessmentsBetween April 1 to April 4, 2017Interview processBetween April 24 to April 28, 2017Payment of caution deposit feesBetween May 11 to May 17, 2017Program startsBetween June 6 to June 9, 2017Eligibility criteriaGraduates from any stream, with 55% and above in their final year of graduation or aggregate of 55% and above in graduation, can apply for the program. They have to be between 21 to 25 years of age, i.e. born on or after April 1, 1992. There are no relaxations in age or qualifications for SC/ST/OBC/PWD applicants.Candidates who have an Axis Bank employee as a relative will not be allowed for the program. Postgraduate degree holders too are not eligible.ABYB selection processThe bank will select candidates through a two-stage selection process consisting of an online aptitude test followed by an interview. The aptitude test will be conducted online and duration will be 2 hours (approximately). The test will assess the proficiency of candidates in four modules:Module nameDuration (minutes)English15Quantitative ability15Logical reasoning15Personality20Candidate will not be allowed to use a calculator or any other calculating device and will have to complete all the modules. There is no negative marking. Each module has a fixed number of questions that need to be attempted in the allotted time. The time allotted for each module is exclusive to that module only and will not carry forward to the next module.All the applicants who successfully clear the Aptitude test will be invited for a personal interview (PI). Candidates will be informed of their progress and status at each stage by email and SMS.Before the PI, each candidate has to find out exactly what the academic program is all about and what the role of a Customer Service Officer (CSO) involves. The candidate also needs to have an impressive resume detailing interests and achievements (in or out of work) that are related to the job. They will be asked a series of questions related to the resume, and profile and the role to offer by the panel. The interview panel will consist of Axis bank officials.Self attested photocopy of the graduation degree/ mark sheet, an identity proof and duly filled job application form should be kept ready for submission at the time of PI.The candidates will have to appear for the Online Aptitude Test and Personal Interview at their own expense.After successful screening, the candidates will have to undergo pre-joining medical and background verification process. They will have to submit a self-declaration medical fitness form. Bank will also verify their education qualifications and background.The selected applicants will be issued admission and provisional letter of appointment from Axis bank towards their future employment.ABYB programCandidates who are finally selected are required to undergo 1 year, full time residential program at Manipal Global Education in Bangalore Or Amity Global Business School in Noida. The classes for the upcoming batch are scheduled to start between June 6 – 9, 2017.As part of the curriculum, candidates will undergo 9-month classroom sessions and 3-month internship at any Axis bank branch. During the course of training, monthly stipend of Rs. 5000 (for 9 months) and Rs.12000 (for internship) would be paid.Application processCandidates interested in applying for the ABYB program can apply. Here is a step-by-step process on how to:1. Visit the official website www.axisbank.com2. Click on the Careers tab at the bottom of the page followed Young Bankers Program3. Or go directly to the Young Bankers Program page4. Click on Apply Now tab at the left of the page5. Fill up the application forms that opens up6. Pay the application fees after completing the application process7. Two emails will be sent to the registered e-mail id: first consists of the myamcat user id and password, and second to confirm receipt of application fees.The application fee of Rs. 500 is only for new registrants, and should be submitted along with the online application form before March 19, 2017.In case a candidate has already appeared for the Aspiring Minds Computer Adaptive Test (AMCAT), he/she does not need to take a fresh test. Based on the eligibility criteria of the program and AMCAT score, the candidate may be invited for the personal interview. ?Program feesInterested applicant will have to invest Rs 3,40,000 plus service tax, Swachh Bharat cess and Krishi Kalyan Cess. The payment will cover the tuition fees, boarding, lodging for the entire course. It is important to note here that there is no service bond and the fees paid will not be refunded later.The payment structure:TermFeesService Tax @ 14%Swachh Bharat Cess @ 0.5%Krishi Kalyan Cess @ 0.5%Term Sum1110000154005505501,26,5002115000161005755751,32,2503115000161005755751,32,250Total3,40,0004760017001700391,,000The candidate can apply for the Education Loan from Axis bank.Details about the bank loan:TermsDetailsEligibilityStudent should be an Indian national and should have been selected under the Axis Young Bankers ProgramCourse namePost Graduate Diploma in Banking ServicesRate of interest12. 75 % (Fixed rate)Maximum loan amount4 lakh (inclusive of course fees, service tax & insurance premium)Processing feesNilOther chargesA lumpsum amount of Rs. 2,000will be collected towards out of pocket expenses like stamp duty and document franking etc.Penalty for early closureNilPrepayment chargesNilCharges for late paymentRs 500 + taxes per cheque bounce and a penal interest @ 24% per annum i.e. @ 2% per month on the overdue instalment/sRepayment instruction/instrument return chargesRs 500 plus service tax as applicable per instanceRepaymentInterest servicing during the moratorium period. EMI repayment will start on completion of the moratorium period.Mode of repaymentInterest/EMI repayments will be recovered on a monthly basis from the stipend account based on the standing instruction from the student.Maximum moratorium period18 months (i.e. course period + six months)Maximum repayment period5 years (Starts six months after the candidate has joined the active service with Axis Bank)Loan disbursementAs per fee payment schedule. The payment will be made directly to the institute.Co-applicantThe co-applicant should be parent(s)/guardian of the student borrower. In case of married person, co-applicant can be spouse or the parent(s)/parents-in-lawInsuranceOn the loan amount availed. Insurance amount can be included in the loan amount.Tentative interest amount (per lakh) during moratorium periodApproximately Rs 1,083Tentative EMI amount (per lakh) post moratorium periodApproximately Rs. 2,263ABYB program curriculumThe one-year PGDB program comprises four trimesters of 13 weeks each. While the first three trimesters would be conducted on campus, the fourth trimester would be internship at a designated branch of Axis Bank across the country.Classes will be held five days a week, Monday to Friday, and on Saturday candidates will be assigned to other curricular activities such as branch visits and e-learning modules. Formal classroom sessions will start from 9:00 AM and comprise seven sessions of 65 minutes each till 6:00 PM each day.Apart from the regular classes, the candidates would be required to take part in additional curricular and extra-curricular activities. Some Sundays and weekends maybe dedicated to training sessions or classes depending on academic needs. They would be required to attend 90% classes. Any leave of absence would be given only with the specific permission of the Program Coordinator.Credits have been assigned to each course based on the hours of study/learning and other associated activities like case studies, tutorial discussions, case-presentations, lectures, library work and practical-work in laboratories etc.The outline of the curriculum trimester-wise:First trimester: Basics of Banking, IT in Banking, Business communication, Managerial Economics, Business Mathematics and Statistics, Accounting, General managementSecond trimester: Banking and allied services, Banking environment, Advanced Business communication, Receipts and Payment systems, LendingThird trimester: Areas of learning covered will comprise of Financial Planning, Foreign Exchange, Credit Risk management, Retail banking, Treasury Management, Recovery Management, Business analyticsFourth trimester: On the job learning, in form of internship and project workThrough this program, Axix bank hopes to empower a young banker to demonstrate a systematic understanding of banking concepts, procedures and systems, gain critical awareness of current challenges and new trends in the industry, demonstrate an ability to communicate effectively in business situations and become a fair and responsible banker.

Small Business Ideas with Low Investment and High Profits Students, Men and WomenTop 10 Most Successful Small Business Ideas:1. Tuition/ Coaching Classes:What was your favourite subject in school? Did you sail through Mathematics like a wizard or did you have a special chemistry with Chemistry? If yes, a room, some chairs, a board, marker and duster is all you would need to start teaching a subject. If you know a foreign language like French, Spanish or German, you could easily impart lessons in such languages and start a small business without any great investment. There is always a demand for foreign language classes from students and professionals hence you need not worry about the pipeline drying up as an entrepreneur. The idea is not only about low investment and high returns, it also has a certain sense of cash inflow and demand predictability. For such businesses, you can start with a very small business loan too and there is no dearth of avenues from where you can get a basic loan to start this type of business.2. Event/ Wedding Planner:Weddings never go out of fashion. Whether the economy is booming or going through a recession, there is always a market for weddings. To add to it, weddings range from the “big fat Indian weddings” to very private gatherings. To put things in perspective, the Indian wedding market was estimated to be around $50 billion (around ₹33,000 crore) in the year 2017 and it is growing at a rate of 20 percent per year. This presents a huge opportunity for wedding planners who can ensure wedding themes, planners, decorators, caterers in place and immaculately plan and organize the entire wedding ceremony. It requires initial capital investment for staff, logistics and arrangements for which a plethora of small business loan options are available at your disposal. While the initial investment is low, the returns that can be made once the business scales, is significant.3. Cooking Classes:If the popularity of shows such as Master Chef is any indication, cooking classes may be a great business in India. It requires very low investment but can earn good profits. All you need is to set up a kitchen and equipment, the allied infrastructure, the raw materials and cooking ingredients. Anyone who believes in the potential of this business would need to make a very low initial investment. They can avail small business loans from a wide range of financial service firms. Once the cooking class is set up, the proprietor can run several batches at the same facility. The Capex investment is thus limited, and a small working capital investment would suffice to run the enterprise seamlessly.4. Driving School/ Cab Service:If one has good driving skills and can buy a vehicle such as a car, driving lessons can be imparted to people. With the same vehicle, the person can teach 10-15 customers in a month and earn a decent amount with minimum investment. It might not be very difficult to avail a small business loan and buy a car. A part of the earnings from the driving school can be used towards repayments to service the loan. Depending on the savings, the fleet of cars can be expanded, more driving instructors can be hired, and the business can flourish. A person may also avail a small business loan to buy a new car. If he has the required driving skills, he can enroll into a ride hailing service such as an Ola or Uber. Once he does that, he can offer rides through the ride hailing app and make money to pay off his loans and save for further business expansion.5. Food Catering Business:Everyone enjoys good food. A food catering business is never out of demand. All occasions such as birthday parties, weddings, anniversaries, etc. have food on offer and caterers are in demand to ensure that the food served is delicious. For a food catering service, all you need is a kitchen and a few employees to cook, serve, deliver and manage logistics. Did you always want to own a dream restaurant chain? You can start with a food catering business as it is comparatively low investment and high return business. You can avail a loan for the capex investments and slowly build a great business. Considering our country and the celebrations, rituals and events we have throughout the year, a catering service will always be in demand. It is one of the best small investment ideas in India.6. Fitness Centers:More than 65% of India’s population is less than 35 years old. The youth are a health-conscious lot and many of them are members of a fitness center or gym. They love to hit the gym and burn a few excess calories. The remaining 35% also comprises a lot of fitness enthusiasts and health conscious people. Anyone who has trained in an area of fitness can start a fitness center. The space or infrastructure and equipment can be leased or bought. The space can be used for almost 16 hours a day as people like to walk into the fitness center at various times during the day. The idea of opening a fitness center is a business idea with low investment. Even if the person interested in opening this center cannot afford it, he has multiple avenues at his disposal to avail a small business loan. It is a very profitable business idea as subscribers of the fitness center find it difficult to keep coming to the fitness center regularly but most of them pay an annual subscription.7. Computer Training Center:We are in an era wherein there is a lot of demand for computer literacy and proficiency. If one has a basic idea of how to operate a computer and how to work with simple tools such as the Microsoft Office suite of products – Word, Excel, and PowerPoint, the chances of employment of the person is much brighter. Hence, there is a great demand to learn computers, programming and the booming areas in technology such as artificial intelligence, block chain, data analytics, IoT etc. Are you an expert in any such area? If yes, you can start a training center equipped with internet connection, a few computers and learning aids such as whiteboards, projectors etc. The business is driven by knowledge and hence the subsequent investment after the initial capex outgo is low. Multiple batches can be run for college students, working professionals etc. and a handsome profit can be made on a very small initial investment. What’s more, a small business loan for such initiatives is easily available.8. Boutique, Salon, Spa etc.:There is always a demand for personal hygiene, fashion and grooming related services. Once you make an initial investment in the store and raw material, if you can focus on selling and brand partnerships, you are highly likely to turn it into a profitable business idea. A small business loan for the same can be easily availed. If you are interested in becoming your own boss with any such venture, the right time is now!9. Real Estate Agent or Broker:How about becoming a rainmaker for your own business? Sounds interesting. With a little research on the real estate market in the area and an understanding of the prospects for both commercial and residential real estate, one could venture into creating a real estate agency. If you have good communication and people skills, you are likely to attract buyers and sellers alike and broking a deal could help you earn a handsome commission. The investment required to start this is very less and as you build your network and start playing a role in more deals, the commission you earn can make the business venture a highly profitable one.10. Web/ Social Media agency:In the digital age, most companies want to spend their marketing budgets on advertising through digital channels and through paid social media campaigns. If you have a good knowledge of marketing, communications, branding, web presence management and social media, you could start your own venture to help companies establish a strong digital footprint. All you need is an office, a few computers, some skilled professionals and you are good to start. Are funds to start up a problem? You needn’t worry as there are many options to avail a small business loan to start a web/ social media agency.Other Lucrative Business Ideas include:Creative Business Ideas:1. Children Play/Adventure Area:Starting a children play area is one of the very profitable idea for a small business. Investment required for such a business is medium.2. Tea/Coffee Cafe:Working at a Cafe is a new trend. Having a well-furnished cafe with good ambiance and variety of Teas & Coffee is a profitable business. A rented/owned place with small investment is required for starting a Cafe.3. Custom Gift Store:A gift store is one of the best creative ideas. A customer is always looking for a customization in their gift. Giving them what they need is surely going to benefit your business and increase profits.4. Antique Business:Opening a small antiques shop with different kinds of antique items and furniture is surely going to pull the crowd. Antique business can become highly profitable if you find the right customers who are interested in antiques.5. Game Organizer at Event:A game organizer is in high demands at various parties like birthdays, anniversaries, etc. It is a creative business idea where you have to be good at communication and creativity.6. Hot Air Balloon or Boat Ride Services:This is one of the most adventurous business ideas. The investment required here is big and skilled manpower is required to assure customer safety. To start such a business, you need a bigger space.7. DJ Services:Be it any event, party or a wedding; DJ’s are always a priority. The pubs are completely dependent on the DJ’s to pull in the crowd. A person needs good amount of skills and experience to make the crowd groove.8. Chatbot services:One of the upcoming business in the recent years is developing a Chat bot. Many companies are incorporating chat bot service on their website. Building a custom chat bot as per requirement will definitely yield high profits.9. Interior Designer:If you have a degree in Architecture, you can become an Interior Designer. Real Estate in India is booming day by day. It is expected to reach $1 trillion by 2030. In such a developing market, the need for Interior designer is always going to be high. If you’re skilled and have bright ideas to turn a House into a Home, this business can do wonders.10. Dance/Music Classes:Dance and Music are two creative businesses. Both these businesses require special skills and lots of experience. One of the best things is you can start this business at your Home, with a minimal investment.11. Ice Cream Business:One innovative idea for a business is selling ice creams. Create unique flavours according to the seasons to attract your customer. This business requires special skill and patience to try out different combinations of ice cream.12. Hair Business:People might think of Hair business as a weird idea, but the hair industry is one of the most profitable industry. Hair industry contributed to $248 million in 2018. India exports hair to US, Europe, China and Middle East.13. Ethnic Food Service:Now a days people do not eat to satiate their hunger but for pleasure. If you think you have amazing culinary skills that can make people lick their fingers out, then you should start an Ethnic Food Service at home. You just need to have the right knowledge of ingredients and the idea of culture and region the recipe comes from.14. Funeral Services:Though it may sound weird, such services do exist and are making a good business in India. You need to provide services that might include transportation of the dead body and providing advice about the rituals. The services can also include providing all the material required for the cremation ritual.15. Doula Services:With little training in childbirth and care you can start your own Doula Service. The investment in this business is very less compared to any other business. The services include a prenatal visit, labour and delivery, and a post-delivery follow-up.16. Organic Farming:Organic Farming is being followed in India since the ancient times. It aims at cultivating the land by use of organic wastes. With the increasing demand for organic grain in the market, Organic farming has gained a lot of popularity. If you have a land you can invest in this small business.17. Mobile garage service:Most of the time cars break down in the area where there is no garage service. If you have a vehicle you can convert it into a mobile garage with a small investment.Home Based Business Ideas:1. Home Chocolate Business:No matter what, chocolates will never go out of demand. May it be any occasion or event chocolates are a must. With little investment in the raw material you can start a home-based business of making chocolates. Home made chocolates have a huge demand in the market.2. Recruitment Services:Recruitment service is one of the most lucrative business in today’s time. All you got to do is shortlisting, selecting and appointing suitable candidates for jobs at the comfort of your house and earn great commission out of it from the company.3.Tailoring:Fashion and lifestyle today are one of the most money-making businesses. If you are a housewife or want to earn some extra income, then you can start tailoring service at home. All you need to have is a sewing machine and some fashion sense.4. Tiffin Services:Providing food has become a major business in the industrial areas. For some working professionals who are unable to cook at home or who stay away from home in other cities, Tiffin Services becomes a convenient option. You can use your kitchen to cook fresh food and start this profitable business.5. Hobby Class:If you want to enjoy doing a business start a hobby class. Today, parents want their kids to learn as many things as they can and not waste time hopping around in the sun. you can start hobby class for dance, music, craft based on the skill you possess. The best time to earn in this business is during the summer vacations.6. Yoga Class:Wellness industry is growing in India. In this fast-paced life, people want to give some time to themselves and attain peace. You can start yoga classes at home and train individuals to live a healthy life with just little investment.7. Insurance Agent:If you possess good communication skills and have great convincing power be an insurance agent. With little investment, you can start this business. There cannot be any other easy way to earn good commission than selling insurance policies.8. MLM – Network Marketing:Multi-level marketing or Network Marketing is a business where you need to sell product and services of associated company to earn profits. The income also includes a percentage of income from the sales group which is recruited by you. This is completely a referral business and you can operate from home.9. Marriage Bureau:One on the most productive business for housewives and retired individuals is Marriage Bureau. You just have to meet and greet people and with little investment you can run this business from home.10. Medical Sample Collection:If you have marginal knowledge about the blood group and various medical procedures, you can start this business. It only requires you to collect body fluid samples and provide it to a pathology clinic near you. This is a less competitive business and can be started in a small place.Part Time Business Ideas:1. Errand Services:If you think you have excellent management and planning skills, you can run this business efficiently. All you have to do is look out for errand task such as banking, grocery shopping, paying utility bills, delivering things etc. and earn through the services you provide.2. Party planner:If you enjoy planning and organizing, how about being a party planner. This is the most exciting job as it involves creativity. This business is in very much demand in the metro cities due to their party culture.3. Accounting and Record Keeping:If numbers excite you then you can start an Accounting and Record Keeping business. A finance person with experience in accounting job can earn through this business by rendering their expert services. You need special training for this business but can start on your own with very little investment.4. Day Care Services:These days many parents rely on daycare centres to care for their children while they work. While some parents may just consider a professional daycare centre to be the safest option for babysitting, but others consider a homely environment for their children the best. So, if you like children and don’t mind spending a few hours of your day caring for them then you can start a Day Care Service centre.5. Sofa Cleaning Services:People are getting busier each day. They do not find time to clean their furniture at home and office. If you enjoy cleaning, then you can team up with some semi-skilled or unskilled manpower and start Sofa Cleaning service with the help of right equipment.6. Visa Consultant:Consultants are always in demand. If you have knowledge about various rules and regulations of visa and can guide about the documents required in the process you can establish a Visa Consultancy firm.7. Personal Chef:If you love cooking and hold expertise in cooking various cuisines, you can be a Personal Chef and generate income from your services. This business requires you to investment in mainly the cooking apparatus as well as the ingredients.8. Sports Coach:If you share love for sports and hold a degree in sports coaching, you can train children or individuals who want to make a career in sports. You will need to personally train the individual so he can achieve his goal.Low-Cost Business Ideas:1. Mobile Food Shop:Mobile Food Shop is the top small business idea as people all over the world love to eat tasty and healthy food. This is a business which you can start with minimum investment and gain maximum profits as no one can ever refuse tasty food provided in a hygienic manner.2. Fast Food Parlour:Fast food is the first choice for people who are hungry and do not have access to home cooked food. If you provide tasty and hygienic food at an economical rate you will gain quick profit.3. Diet Food Shop:These days people are too much conscious about what they eat. You can find fast food joints everywhere in the rural and urban areas, but we hardly have shops that provide healthy diet food. Therefore, starting a diet food shop is an excellent idea for a small business.4. Health Drink:Due to social media, people are well aware about what is good for their health. They have started opting for health drinks over carbonated drinks. Juices like neem, beetroot and carrot are too much in demand. Thus, starting a Health Drink stall is a good business idea.5. Ice Dish & Soda Shop:Ice Dish & Soda Shop is one of the lowest investment business with maximum profit. All you need is to invest in the equipment required to make the drink, like ice snow maker and soda maker.6. Courier Shop:If you are quite efficient in delivers a message, package or letter from one place or person in the required time, this business is for you. You will require semi-skilled workers to manage the business.7. Laundry Shop:Every individual love wearing fresh clothes that smells good. If you are efficient in providing good laundry service this business is for you. You can employ a few unskilled workers to help you manage the task.8. Candle Making:Candle Making is an art but you can make this art into a profitable business if you provide bulk orders by using available machinery through marginal investments.9. Soap Making:Organic and herbal soaps are in demand in the market. If you have the skills to make soaps using various ingredients, then you can make this hobby a business.10. Idol Making:If you are creative and have the skills to make idols, then you can start a business of making idols. We are an idol worshipping country and during festivals like Ganesh Chaturthi, Durga Puja etc idols are in great demand.11. Bag Making:After ban on plastic, this area of business is flourishing as there is a huge demand for paper bags from malls and shopping units. You can use your creativity to make bags from jute, cotton etc to sell them online or offline.12. Pickle-Papad Making:Pickle-Papad Making is one of the best home-based business idea that women engage in since earlier times. You start this business part time or full time as per your convenience.13. Fruit Jam Making:Home made fruit jams are fondly relished by people as they are free from preservatives. You can make this into a profitable business with less investment provided by various organisations.14. Career Counselling:If you understand the work trends and the careers that are in demand you can opt to be a Career Counselling. You can start this business from home. Nowadays parents and teachers look out for good Career Counsellors so they can guide children in pursuing a career for their future.15. Religious Items:India is a country of multiple religion and languages, there are various customs and traditions that people follow. The requirements of religious items for engaging in various customs are different. The religious items such as Diya, Dhup, Murti, Shankha are always in demand. Therefore, this business is favourable in areas where there is a religious organisation nearby.16. Pest Control:Pest control business is slowly becoming one of the top business in the metro cities. Everyone wants to live a healthy life free from diseases caused by insects and mosquitos. Thus, Pest Control business is a good option in the metro cities.17. Paan Centre:Anyone can open a Paan centre as it does not require any skill. It is a low-cost business idea and involves preparation and sale of paan and other related items. You can also sell small items like biscuits and chocolates along with paan.18. Landscaping Service:Through landscaping business, you can provide clients with lawn services to keep their yards groomed and can also plant flowers, trees and shrubs. To start this business, you need to have the knowledge to plant flowerbeds and gardens to raise the value of a property. As the property rates are going high this business will give you maximum turnover.19. Aquarium Shop:Aquarium is a low-cost business where you need to take care of the fish tank and provide Professional Aquarium Leasing and Maintenance for Office or Home. Aquarium is considered good for Vaastu therefore this is a good business in less investment.20. House Repair Service:Every now and then houses need maintenance and repair thus House repair Service is a lucrative business idea. If you have knowledge about construction along with a few skilled workers, you can start this business.21. Palm Reader or Astrology:Palm reading is a practice of predicting the future of a person by examining his/her hands. It is a convenient business and a person having the skills of a palm reader can earn a moderate sum through this business.22. Fumigation Services:Through Fumigation Services, gaseous pesticides are sprayed or filled in the infected area to get rid of pests. The fumigants or pesticides poison the pests in and around the area. One needs to have clear idea of the chemicals used in the process to run this business.23. Spy & Security Services:No one can be trusted at present day. Due to which the need for Spy & Security Services arrived. Many people use such services for their homes and offices24. Car Pooling Services:Car-pooling is a type of car rental designed to be convenient for people who want to use cars for relatively short periods of times. Car sharing services offer casual drivers the option to rent a car by the hour or day. Due to awareness about pollution and traffic control this business is booming day by day.25. Software Training:If you are an expert in computer language such as C, C++,JAVA, HTML etc. you can start a business of software training from a small rental area or from your house.Online Business Ideas:1. Blogging:A weblog which is also called as a blog is maintained by a blogger to give out information about a subject. Blogging has gained momentum now a days as it helps generate traffic and there is demand for bloggers in the market. Therefore, this can turn as an amazing online business in today’s time.2. Vlogging:Video blogging, or vlogging is an affordable avenue to use to help your small business grow. Video blogging is an innovative way to increase your brand awareness. You can upload your blogs on YouTube and make money out of it easily. All you need is confidence in front of the camera and some editing skills to start with.3. YouTube Channel:By 2021, it’s estimated that 82 percent of all internet traffic will be for video. Starting a YouTube channel gives you a powerful medium to produce and distribute video content, which is only going to become more important day by day. Youtubers help individuals and businesses build influence, income, and impact with YouTube and online video.4. Freelance writer:Freelance writing is any sort of writing assignment that you do for pay, outside of a staff position. You can meet client and write content for Web pages, Blog posts, Magazine articles, Newspaper articles etc many companies nowadays hire freelance writers for their business.5. SEO Expert:An SEO company offers search engine optimization services to businesses to help them improve their visibility online. Search engine optimization is the process of making changes to your website design and content to make your site more attractive to the search engines. If you are somebody who have an expertise in this area, then you are good to start a SEO Business.6. Hosting Paid Webinars:A webinar is an online event that is hosted by an organization/company and broadcast to a selected group of individuals through their computers via the Internet. A webinar allows a speaker from the hosting organization/company to share PowerPoint presentations, videos, web pages or other multimedia content with audiences that can be located anywhere. If you are someone with a good domain knowledge, then this is an exceptional business idea for you.7. App Development:Application development involves creating a computer program which performs different tasks that a business requires. Application helps businesses automate tedious process like calculating monthly expenses to scheduling sales reports, to increase efficiency. Many companies require this service so if you have the software skills you can make App development a profitable business.8. Affiliate Marketing:Affiliate marketing is the most profitable way to make money online. It is the oldest forms of digital marketing wherein you refer someone to any online product and when that person buys the product based on your recommendation, you receive a commission. You can start this business with very little investment.9. Products Sell on Facebook:Facebook has more than 2.3 billion monthly active users as of December 2018. Other than being a popular social networking website Facebook provides facility to make your own store or group online. If you have a product or service with some marketing knowledge you can sell it online on Facebook and make money out of it.10. Domain Flipping:Domain Flipping is the business of buying a domain at a lower cost and selling it at a profitable amount. It is a simple business which can lend you a lot of revenue without much effort.11. Sell Photos Online:There are many different websites to sell stock photography to be used further for making graphic designs or other resources. You can create portfolios of your images and earn money. There are many different websites to sell stock photography which can help you expand your business.12. Stock Market Trading:Stocks are a type of security that gives the investor a share of ownership in a company. Brokers buy and sell stocks through an exchange, charging a commission to do so. A broker is simply a person who is licensed to trade stocks through the exchange. A broker can be on the trading floor or can make trades by phone or electronically. This can be a profitable online business if you have good communication skills.13. Data Entry:Data entry is one of the easiest business idea where one can earn by adding data using the desired software hosted on a computer and its data entry operators who perform these tasks. The benefit of this business is that you can start this business with no previous experience.Profitable Business Ideas:1. Restaurant:You can start an eatery that serves food and drinks to customers in exchange for money. Meals are generally served and eaten on the premises, but many restaurants also offer take-out and food delivery services which is the need of the hour. This business requires a lot of planning and hard work. With a few skilled workers you can start this business at a medium investment from any organisation.2. Readymade Namkeen Breakfast Shop:Namkeens are easy Breakfast that can be had on the go. You can start a Readymade Namkeen Breakfast Shop across the street as people prefer readymade Namkeen and breakfast instead of cooking at home and it is an easy snack.3. Mobile Sales and Repair:Mobile phone business is growing exponentially. Your customers who buy phones from you ever need mobile repairing services, there are high chances that they will come to you to get their handsets repaired. Your mobile repairing business can be a highly profitable business venture if its run in a professional way. The best thing is that you can start this business with a very small investment and with little experience into the same.4. Package Drinking Water:Demand of packaged drinking water is growing exponentially in small towns and cities in India. This is an evergreen business and there is place for everyone who want to step into this opportunity. Investment required in this business depends on the size of the business and the clients you hold.5. Jewellery Production & sale:If fashion is an area where you thrive, and you have a talent for creating unique jewellery then you can start this business. You can build a name in the local market and ask for referrals from previous customers to excel in this business.6. Dairy:Milk and milk products are always in demand. All you need is a small shop and cold storage facility to run this business. You can serve milk, sweet and related products and establish a dairy business.7. Commercial and Industrial Machinery Equipment Rental:Offering commercial and industrial machinery and equipment on rent to various industries like construction, mining, transportation, and forestry machinery could be a profitable business idea. These firms generally do not own a store-front facility. As this heavy machinery are usually very costly, companies prefer renting them instead of buying. This business requires moderate investment, but the returns are high compared to other businesses.8. Travel Agency:A travel agency is a public service related to travel and tourism. You need to have a good communication skill to start this business. You can also operate from home and do not need to rent a place for starting this business. You can provide Air, Road and Railway travel tickets to start with. This business is in huge demand at metro cities.9. IT Hardware shop:Hardware shops provide hardware items building material, plumbing material, etc. to huge electrical materials. To start this business, you need to have the knowledge of the products. On average a good performing hardware makes a net profit of 10% on its daily sales.Big Investment Business Ideas:1. Textile Unit:The textile industry is currently contributing 2% to India’s GDP and 15% to the export earnings of the country. Opening a textile unit firm means to supply different types of fabrics for the fashion and apparel industry. The shop should be in an area where there is demand and the factory should be in an area that is well connected.2. Rice Mill:Rice Mill involves the post production of rice. the equipment and machinery will help remove the husk from the rice to make it edible. India is still the largest exporter of Rice in the world therefore this is a profitable business.3. Beer and Wine Making:In the last few years the wine industry was at a high-growth, $30 billion industry for both domestic and international wines. Therefore, starting your own beer and wine company is the diverse opportunity for business startups.4. Manufacturing Fabrication Plant:Metal fabrication is the creation of metal structures by cutting, bending, welding and assembling processes. It is a value-added process involving the creation of machines, parts, and structures from various raw materials. You need skill manpower and lot of machinery for this business.5. Crane and Lifting Service:Crane and Lifting Service deliver the right lifting equipment and service to match the customer needs. You need specialized maintenance services and spare parts for all types and makes of industrial cranes and hoists to start this business.6. Transportation services:To start a transportation business, you will need to decide which type of business you intend to create. The type of company you think of establishing should be determined based, among other things, on the need and competition in the area you decide to work in. You can start a taxi service, bike rental, or bus service as per your investment into the business.7. Car Parking Services:If you have a huge vacant area outdoor which you can use for business purpose you can start a Car Parking Services business. It is a recent concept as the number of cars on road are increasing.8. Petrol Pump & Gas Station:Gas stations offers various fuels to motorists including petrol, diesel and LPG and CNG gas. Petrol Pump is considered to be a very beneficial business. If you open petrol pumps at a decent place, you can make a lot of money.9. Marriage Halls:There are marriages and events happening every now and then in India. Which gives rise to the demand for Marriage Halls. If you own a property which can be converted into a big hall that can accommodate 800-1000 people, you can start this business and rent it to people looking for ceremonies, weddings, parties, etc.10. Luxurious Car Services:The sale of Luxurious Car has reduced because despite of the desire to buy such cars not many can afford it. The demand for Luxurious Car Services has increased in the market. In this business you need to purchase luxurious cars and lease them. People rent luxury cars for special occasions or making airport transport easier.11. Imported Furniture Store:According to data from The Retail Owners Institute, the gross profit margin for retail furniture stores has risen slightly from 43.8 percent in 2014 to 45 percent in 2018. For this business you can import furniture from China, UAE or other countries. You need a huge capital to start this business.12. Electronic Store:We are now living in the age of electronics. Electronics are tied into so many different aspects of our life. So, starting an electronic store is a profitable business but you need to have information about the products. The amount required to invest in this business may vary according to the products you provide.13. Art and Collection Shop:Professional artists can start their own art business. Starting an Art and Collection Shop requires a little business planning, a whole lot of marketing, and most importantly, the ability to create work that resonates with people.14. Video Conference and Board Room Services:With businesses operating more globally and at a faster pace than ever, there is increasing need to bring together remote participants using a variety of video services for conferences, training, or regular information-sharing sessions without the requirement for extensive travel. You can make business by providing digital solutions that enhance convenience, improve productivity, and save companies crucial time and money.15. Night Club:If you are a night person and love music and dance, you can make others groove by starting a night club. The investment is big as licence and good quality sound equipment are required to start this kind of the business.16. Poultry and Fisheries:Poultry and Fisheries has now become a popular rural enterprise in different states of the country. Apart from eggs and chicken, poultry also yields manure, which has high fertilizer value. This becomes an added profit for the business.17. Building Construction:A construction company is a capital-intensive business. You may need to rent or buy heavy equipment or purchase material in bulk. A solid business plan can outline your assets and make the case for your new construction company to access funding from investment sources. This is a business with high investments that can provide higher outcome.18. Solar Farm:Solar farms are replacing croplands that don’t generate enough income from traditional farming. Solar farms use solar panels to generate huge amount of renewable electricity that can be used by individual for commercial and residential purpose. Building a solar farm is a capital-intensive business but the Returns on Investment (ROI) are worth it in the long run.19. UPS Business:UPS business involves buying and selling of UPS. You can collaborate with major UPS Company like APC and sell their products to make business.20. Auto Modification Services:Custom car shops appeal to automotive enthusiasts who are in love with engineering and designing. This business is needed because of the large demand for vehicle customization. You need to have a creative mind to start this business.21. Chemical Unit:The chemical industry landscape has opened new doors of opportunities for chemical buyers and sellers. This business has a huge export potential and requires huge investment.Gold Ornament Shop: Starting your own Gold Ornament shop business is a great way to tap into the jewellery industry. A small jewellery store can be started for as little as $20,000. The cost may vary depending on your location.22. Printing Press:Our society is so much influenced by the printing press. Nowadays, running a printing press is a successful business. We can print books, newspapers, invitation cards, magazines, posters, flyers, pamphlets, envelopes, business cards, and stationery items. Operating a printing business requires a few specialized pieces of equipment, and can be operated as a home-based, storefront or online business.23. Peer 2 Peer Lending Business:P2P lending is a business where one lends money to individuals or small and moderate businesses through online services. To start a Peer 2 Peer Lending business, you need to open an investor account for starting this business. Though profitable, this business involves great risk.24. Internet Service provider:An Internet service provider (ISP) is a company that provides customers with Internet access. There is a huge demand for internet thus starting this business makes sense.25. Computer Class:If you have the knowledge of computer and can teach others the same, then you can start a Computer Class. All you need is a few computers and a space where you can set up your business.26. Hotel Business:Hotel business requires huge investment and manpower. To start this business, you need to buy or rent an establishment that provides lodging and, often times, meals and other services for travellers and other paying guests.27. Oxygen gas bottle:To start this business, you need to Invest in quality equipment, healthy supply of cylinders of liquid oxygen, compressed oxygen, and flow meters. You need to remember to maintain a safe, hygienic environment for your equipment at all times. You can own cash to cover start-up and operating expenses.28. Car Battery:If you are seriously thinking of launching a car battery business, get advice from someone who is already in the business. Every vehicle needs battery may it be a two-wheeler or a four-wheeler. Therefore, Car Battery business is a very good business idea29. Cement Business:India has a huge potential for infrastructural growth. When the future involves the development of 99 smart cities, you can expect a positive growth in the cement business. Opening a cement business can get you on the path to a secure financial future but it’s important to plan out the business in detail before you start.30. Spice or Masala Powder:Spices from India are going places, with exports on course to top $3 billion in the last few years. Spice Powder Making Business ensures a good return with low investment.31. Money Lender:Lenders are businesses or financial institutions that lend money, with the expectation that it will be paid back. The lender is paid interest on the loan as a cost of the loan. The higher the risk of not being paid back, the higher the interest rate. This business involves money therefore, you need to carefully lend money to people who can return the borrowed money with proper documentation.32. Nursery school:The demand for good nursery school is growing in the city. Now is the perfect time to consider opening a nursing school. To start this business, you need trained staff and huge space to start this business.33. Modelling Agency:If you are interested in representing fashion models, to work for the fashion industry then you should start a Modelling Agency. These agencies earn their income via commission, usually from the deal they make with the model and/or the head agency. The top agencies work with big-budget advertising agencies and fashion designers.34. Pathology Lab:Indian diagnostic market is growing at nearly 15-20% and is estimated to be currently worth 40,000 Cr. Setting up a pathological lab can be an extremely lucrative business idea.Retail Business Ideas:1. Grocery Store:Grocery stores sell food and other household items. Often called supermarkets, grocery stores are go-to sources for a home’s food needs. grocery shopping is an integral part of human life, and any such business that appeals to life sustenance is sure to become profitable if it is handled properly.2. Organic Food Store:Organic food store is another niche in the grocery business idea. To succeed in the organic food business, it is essential to have a proper plan on how to get authentic organic produce on a regular basis. Location is another very important thing to consider as you have to set up in an area where the people are health conscious and can afford the high price of organic produce.3. Hardware Store:A hardware store typically sells hand and power tools, building materials, plumbing supplies, cleaning products and much more. A hardware store has a lot of components to the business that require detail-oriented planning. You need to research and find a developing area to start this business for its success.4. Auto Spare Part Store:Auto Spare Part Store is a cash-intensive business. With substantial capital investment and strategic planning, you can initiate this type of store. Starting an Auto Parts store is a fulfilling way to make money.5. Stationary & Book Store:Stationery items are always in demand whether be it a school or corporate. The best place for running stationery and bookstore is always nearby school or corporate the chances of getting more business and good profit is very high. In this business investment is not much required and no special skills needed.6. Cosmetic Store:As people are now a days becoming more beauty conscious so the demand for the beauty products have increased than before. Ladies are always in search for cosmetic store. This business too needs very small investment.7. Leather & Perfume Shop:This is another form of small business in which you need to keep products like bags, belts, wallets and perfumes. These kinds of business are always an evergreen business with good product and small investment.8. Xerox Shop:Xerox Shop is a good business for making profits. A Xerox Shop is available in every locality. This itself proves the success of running Xerox Shop along with other products like bookbinding, lamination and small stationary items. The investment required too is low. The best location to start up this business set up would be schools, colleges, office etc.9. Beauty Salon:Beauty salon are now among the emerging business in the India. Beauty care segment is most likely carried out by ladies. This business demands some special skills related to skin care. The person carrying out this business should have undergone special training and courses related to skin care and have good knowledge of beauty products. Investment required for this small business start-up is very low or else you can even opt for a franchise for a good renown brand.10. Medical Diagnostic Center:Medical care is essential in today’s world. Day by day there are new disease effecting health of people, so timely health and medical check-up has become very important. With proper medical check-up and advance analysis, we can be safe from many prone diseases. The investment required for running this business is substantial.11. Photo Studio:Photo studio is a business which can be started up with very less investment. Business success depends upon the skills and ideas that you have in the photography line.12. Safety & Security Products Retail Business:In today world safety and security is all what one needs. So, the safety and security products in the market is always in good demand in the retails business. For starting this business, you need to have products like helmet, safety lockers, CCTV cameras etc.13. Herbal & Ayurveda Products Retail Business:Herbal and Ayurveda exist in India from a very long time. Ayurveda is a proven medicine for healing and curing diseases with no side effects. The herbal and Ayurveda medicine manufactures are now booming in the health segment. Especially after the entry of Patanjali into the industry. This is the right time to start up with herbal and Ayurveda products retails business with moderate investment and get better profits.14. Scrap Store:You can also earn profit from scrap store. In this business what you need to do is collect scrap like newspaper, plastic, and other discarded material.15. Gift Card Shop:You will find at least one gift shop in all locality. Today’s world is much excited for giving and accepting gifts. Gift shop also possess good amount of revenue. Gift shop business consist of business or personal giftings. Gift shop business require proper location and good collection of gift cards. Gift cards are used widely at every occasion.16. Optician Shop:You may have even noticed there would be at least one optician shop in all areas. Eyeglasses are mostly used by majority of people. Due to the constant climatic changes there are often eyesight issues caused to people of all age group. To start up with eyeglasses business you need to have sunglasses, contact lenses and different trendy frames for specks. Rate of the products depends on quality of the products and business location.17. Seasonal Business:Seasonal Business ideas are another form of business in India. This business start-up can be done with small investment. Your business depends on the seasonal and festive needs of the consumers like crackers, raincoat, woollen clothes etc.18. Utensil Shop:Utensil shopping business is a never-ending retail business idea. Requirements for starting this business is you need a suitable shop and inventory of steel items. A success of this business depends upon location of shop and quality of utensils.19. Foam Mattress:Thinking of starting own foam mattress business? Starting of manufacturing foam business is among small investments. You either can become trader or a manufacturer.20. Business Idea of Ice:Business of ice can be started up with a very low investment. Ice is a commodity frequently used by us in day to day for cooling.21. Tattoo Shop:Today generation is crazy for tattoo and ready for paying any amount for good designer and trendy tattoo collection with them. Tattoo business is among the upcoming business for earning good profit. Only thing you need to know is skills required for tattoo making or have skilled people for the same.Manufacturing Business Ideas:1. Honey making:Honey Manufacturing business is another form of small Business. Honey processing can be performed in two different process manual or automatic. Starting your honey manufacturing business is easy and convenient for people planning for small scale business.2. Manufacturing toys:Toy Manufacturing business is a top booming industry in the Indian business segment. Starting up a new Toy Manufacturing business is very profitable. Before setting up the business unit we need to have proper research on the prototype and raw material required for toy manufacturing. There are machineries available in the market by which you can produce ample number of toys and earn more profits. Toy Manufacturing business can be started up with a very low investment and then further expanded.3. Manufacturing of Plastic bottles:If you are looking for starting up your own business venture, currently there is a booming rise in the plastic products manufacturing business. Day by day the demand and supply for the plastic bottles are increasing. Before starting up with the manufacturing of plastic bottles you need to have proper knowledge and expertise in injection moulding and manufacturing. You also need to complete some legal formalities like getting up your legal documents ready, factory license number, GST number etc.4. Fertilizer Manufacturing:India is the third largest manufacturer of nitrogenous fertilizers in the globe. Fertilizer manufacturing business can be started with very low investment or high investment. If you are new to this business start with a small investment with compost fertilizer from waste items, and soon you understand the business expand your business.5. Water Filter and bottling Plant:Water filter and bottling plant is a commercial enterprise and one of the prime requirements now a days. The role of mineral water bottle plant is important for this industry and to the society. For setting up a business of water filter and bottling plant you need to have ample space and skilled manpower. The investment required for this business is very high.6. Furniture making:Furniture are an essential part of our daily life. Furniture business is also to be considered as a booming industry. Furniture always have its never-ending demand from schools, colleges, offices and homes. If you have ample of space with you and skilled workers to start furniture making.7. Production of Leather related items:Production of leather related items are always in huge demand in the market. Leather products such as bags, footwear and garments etc are some leather related items which have huge demand and are used in day to day living. If you get proper manpower you start up your business of production of leather related items.8. Electrical Fitting Production:Electricity has become a essential for our day to day living. We cannot even imagine a day without electricity. In today’s life there is a high demand for electrical fitting production in the market. But even though the investment required in this business is not so high as compared to others, with small investment to we can start up an electrical fitting production.9. Embroiderer:We will now next cover the details related to Embroiderer business. To start-up with this business you need to have a creative designing idea for embroidery. Creative designer Embroiderer can be done with low-end machine or by sophisticated tools. This is a lucrative business and can earn good margin.10. Carpet Making:The Carpet making business is among the creative business and is among the large business opportunity. Starting up a carpet making company with good creative mindset, would lead to a high profitable business. Before starting this business, you need to know the appropriate skill before starting the business.11. Ceramic Tile Maker:Ceramic Tile business is another profitable business as Tiles are required in every household. The investment required is high in this business.12. Kitchen Utensil maker:There is huge requirement of Kitchen Utensils in every house. Starting a Kitchen utensil business is a great idea in terms of the profit that it will give.Renting Business Ideas:1. ATM Space Rental:A commercial space always yields good profits. Renting your space to Bank ATM will yield fix monthly profits.2. Car/Bus Rental:Car rental business has grown since Ola & Uber came into existence. Buses are in huge demand for family functions, weddings, etc. Start a Car/Bus rental business with a business loan from Unsecured Business Loan, MSME Loan - Working Capital Finance3. Construction Equipment Rental:Real Estate Industry in India is booming day by day. Due to high cost, developers prefer getting construction equipment on rent. Starting this business will result in high profits every time.4. Fancy Dress Renting Business:Starting a Fancy-dress business is a low investment business idea as you need to buy dresses that fits kids as there is a huge requirement from school kids for school events. Start your fancy-dress renting business and earn handsomely.5. Decorator:Starting a Decorator business is always a great idea as every event requires decoration material, chairs, stage material, etc. Though the initial investment in this business is high, it will yield profit at every event as the same stuff will be used.There are many more such ideas wherein the investment required is low, but the profits can be significantly high. Such lucrative ideas mostly depend on your people and networking skills, knowledge in niche areas and latent demand for the same in the market. If you are bitten by the entrepreneurial bug, take the plunge today.

Kyle Kulinski is perhaps the most famous millennial leftist in the world whose top five issues are…I must be convinced Biden will fight for at least ONE or TWO of the following:- medicare for all- free college- living wage- ending the wars- UBIAmong non-idiots this is called "having standards", among Biden bros it's this: (ps: your voter outreach needs work!!) https://t.co/0TLUBPg8TO— Secular Talk (@KyleKulinski) April 9, 2020In a previous answer I explained the wisdom of his “fight for at least one” voting standard, but in this answer I’ll dive deeper into each of those issues to shed light on what people like me from the other side of the political spectrum think of them…1. Medicare for AllBefore we implement Medicare-for-All on the federal-level, we should first implement it on the state-level, i.e. Medicare-for-All-Vermonters or Medicare-for-All-Californians. If Kyle Kulinski is right that single-payer will reduce costs and increase quality then why not prove it on the state-level first? The thing with most policies whether they be in life or politics is that they sound good on paper, i.e. going to the gym after work. Great idea, right? But most people don’t do it. This is because there are tradeoffs to even the best ideas. Despite good intentions and high hopes, the vast majority of ideas in business, life, and politics fail. How many business ideas have you had in your life that you thought would make you rich? How many relationships have you thought were “the one” to only end in broken glass and broken hearts? The fact we’re so often wrong about things we’re so certain about in our personal life should humble our political views, especially because the failures of our political views will have much greater consequences than a slashed tire. We should therefore make sure to ground even the best sounding political policies in more localized success before having our way with all of America. The beauty of the American system is we have 50 states where each state has its own government to test out the best ideas, i.e. laboratories of innovation! This is after all a similar path our more progressive neighbors to the north took whereby they past single-payer on the provincial level first and then overtime they grew it out with broad bipartisan support.Kyle Kulinski falsely claims “Medicare-for-All” is a centrist position because a couple of European countries offer single-payer, but America is a much bigger country in terms of population size and economy. If Medicare-for-All was imposed on the entire United States the closest equivalent would be if the entire European Union imposed a single version of single-payer, which even progressive Europeans would adamantly oppose. The bottomline is despite what Kyle says about his position being “centrist” it’s not in American, European, global, or historical terms. It’s a radical position. Own it! There’s nothing like it in size or scope anywhere in the world and so because of this fact we should first implement it successfully on the state-level and then we can talk about passing it at the federal level on a purely partisan basis (polls show majority of Americans support “Medicare-for-All” but that support dips as soon as they learn more about it. A more effective and official gauge of what Americans think of something is the almighty vote. The only time single-payer was put up for a vote was in the Democrat-majority state of Colorado where it then proceeded to lose on a direct ballot proposition by a resounding 79%. Before the vote, many Coloradans adamantly argued, much like Kyle, that the majority of Coloradans supported it! They were wrong.)Secondly, please allow me to join Kyle Kulinski in humbly theorizing about what this multi-trillion-dollar government takeover would do to our extremely complicated multi-trillion-dollar healthcare industry. I believe despite leftists’ good intentions, Medicare-for-All would lead to higher costs and lower quality healthcare. America is #1 in the world for medical innovation. This is despite the fact we don’t have a capitalist healthcare system. We have a cronyist healthcare system, a.k.a. big government/big business partnership, but nonetheless it still has capitalist elements. Kyle Kulinski likes to point to the success stories of socialist healthcare systems, but the fact is socialist healthcare is built upon the foundation of American medical innovation. As leftists also point out the richest people in the world come to America for their medical procedures because we have the highest quality care, but the problem isn’t quality, they argue, it’s access! But the way to fix access isn’t through a government takeover of our system in the name of healthcare being a “human right,” which single-payer doesn’t even guarantee anyone a right to “health” or “care.”Monopolies whether they be in the form of government or business is never good. Competition is the queen of innovation! Statistics show the most innovative parts of our economy are the least regulated, i.e. tech, clothes, cars, toys, furnishings. If Kyle Kulinski got his way then I believe monopolization will lead to less medical innovation therefore costing billions of lives overtime in a way that would be impossible to calculate because there is no way to measure what could have been. During this pandemic, governments around the world have responded to the need for a vaccine and better treatment via deregulation, i.e. getting out of the way and fast-tracking the process. Donald Trump is most likely alive because of his healthcare deregulation (perhaps at the chagrin of some of you reading this). The government protects old entrenched industries by giving them subsidies, tax exceptions, and passing regulations that makes it harder for smaller companies to compete. Kyle Kulinski needs to explain why since the 1980s corporations now lobby for more regulations and government programs. Is it perhaps because innovation threatens their profits? Imagine if government and its government-protected oligarchies lost its control over the healthcare industry? I believe we would see a boom in medical innovation that threatens those who benefit the most from the status quo. Some of the smartest minds in the world view aging as a disease and therefore something we could eventually end or even reverse. Imagine if we approached aging itself with the same sense of urgency as we did pandemics.Finally, Kyle Kulinski has said his father may be alive today if we had single-payer, but Kyle Kulinski had said years prior to that his father died because he didn’t like nor trust going to the doctor. Emotional anecdotes are persuasive, but using Kyle’s anecdote I could just as easily make the claim that he’d be alive if we deregulated the industry, stop tax-incentivizing/mandating employer-based healthcare, and removed the government caps on doctors and nurses so we could have more of them! Most of the western world has a doctor shortage because of governments purposely capping them. This fact alone should make anyone think twice before giving our federal government even more control over our healthcare system because they’ve clearly failed us (not their lobbyists) in this elementary part of healthcare.2. UBIThe problem though with freeing up the healthcare industry, leftists will argue, is that even if costs come down and quality goes up, as we see with parts of the healthcare industry that are less regulated (cosmetics, eye surgery), there will still be millions of people who couldn’t afford it! Should they just be left on the street to die? No. The benefit of a UBI is it ensures people will have enough money in their pocket to buy into our big, beautiful, competitive healthcare market. I’ve personally been writing about UBI since 2014 and the central issue I’ve leveled against it is that there is no limiting factor. If a UBI is passed at $1,000 a month then in the next election politicians will run on increasing it to $1,200. Our elections will turn into auctions with other people’s money. Taxes would have to keep rising to pay for an ever rising and inflating UBI whereby many of the globalist 1% would be forced to relocate overseas in order to stay competitive in a global economy. Money flows like water to the places of least resistance. With that said, I also believe in a similar vein to Bernie Sanders that as long as there are problems in the world there is a job to be done. Why give people money simply to exist? It sends the wrong message and incentivizes people to have a lot of children. I believe the federal government should keep unemployment below 5% (via tax cuts and spending increases when economic conditions require) and in addition I believe in a jobs guarantee at the state-level. Just think during this pandemic we could employee people to be testers, nurses, emergency call center operators, sanitation workers, construction workers, daycare watchers, etc. There is plenty of work to be done. No time to sit around!3. Free CollegeIn America we spend more money per pupil than every country on Earth (except Norway). And yet despite the government spending more and more money, America’s education quality is getting worse and worse as evidenced by the fact our presidential candidates speak at a 4th grade level. Money is clearly not the issue here, although we could do a better job at distributing it. So what is the problem? Our public schools have turned into indoctrination camps. Over 90% of teachers and professors are Democrats. By making universities “free” what Democrats would effectively be doing is giving a handout to their political supporters to indoctrinate the next generation instead of preparing them for the workforce and to vote. For example, can you name the three branches of government? Can you name 10 U.S. Presidents? Do you have a technical skill? It’s scary how few people can answer yes to those three questions, especially as we are speeding toward a more democratic (thus far) and technical future. The real solution seems obvious to me and that isn’t to have “free college,” but instead to “free students.” Parents and students should have vouchers for K-12, which Kyle should like because it’s basically like UBI for education.And then beyond 12th grade, the government should get out of the business of education altogether! Zero loans. One of the greatest tragedies of my generation is that the federal government is turning us into debt slaves via university, housing, credit card, and national. It’s criminal that 30-year-olds have hundreds of thousands of dollars in unforgivable debt. This isn’t because of capitalism. No bank would give a loan to someone who couldn’t afford to pay them back. Our society has become so indebted because the federal government protects banks from risk in order to “make lending easier.” The easier the federal government makes it for poor people to get a loan the richer the rich will get and the poorer the poor and middle class will be as we compete with each other for a limited supply of slots in universities and housing therefore driving up the price of the product for each other! For example, if I only had $5,000 in the bank and you only had $10,000 in the bank and we both wanted to buy the same home then how much would the home cost if the homeowner really needed to sell it and we were the only two potential buyers? They’d probably sell it for around $6,000, but then when banks come into the picture with the protection of the federal government they can give me a mortgage in excess of $100,000. I can then turn to the buyer and offer to buy the home for $7,000. The other guy can also take out a massive loan too so he could offer more. We end up driving up the price with the bank’s money to the point where the only limiting factor is the buyer’s appetite for debt. But don’t worry, we’re told, because someday a guy will buy the house for even more money! The government is creating a bubble by design. This same scenario plays out in education, except you can’t sleep in your diploma . If government got out of the loan business then it’d be much harder to get a loan for housing and education. And then guess what? The price of university would drop back down to 1970s level where the price point would be much more affordable and where the product would actually improve because in order to get customers they’d need to better demonstrate that their graduates who got a degree in X could get a job.One of my more alternative policy ideas is the creation of a national test-taking platform. It would be like the AP and SAT exams, but it’d offer many more exams.Credibility comes from standardization. By separating “test-taking” from “schooling” it’d give students more power over their learning. In the modern era, learning doesn’t stop when you are 18 years old or 23 years old or 27 years old. On the site/app you could sign up for a test in virtually anything and then go to the facility on the day of the exam to take the test. If you pass the exam you’d get a paper and digital certificate (the digital certificates would appear on your profile on the app, which you could make public for employers to see). Who would an employer rather hire: the applicant who is $100,000 in debt from a university they never heard of and who would need a higher salary just to get by or the 50-year-old who is willing to start off at a lower salary and who has passed all the major exams in the field and from the employer’s personal experience they’ve found that these certificates have demonstrated a better indication of an applicants level of knowledge? The safer bet would be the 50-year-old. I think if my test-taking platform was implemented with a mix of public/private funding then we’d see a boom in learning again where we’d stop pushing 50+ to the outskirts of society and where everyone would have a better sense of what they don’t know so they may feel compelled to get more educated in that topic before pounding their chest about it. Too many people think they’re an expert on a topic only after reading an article about it from a highly biased source. Fluid certification in new skills would better reflect our modern employment reality than our traditional rigid education system.4. Living WageIf we increase minimum wage then there’s a lot of evidence that people who make under that amount will lose their job and many small businesses would have to shut down as they couldn’t afford the increase in salary as labor is already many small businesses largest cost. Walmart lobbies for a higher minimum wage because it’s just one more way to make it harder for small businesses to compete. A spike in wages would be especially rough on our rapidly growing service industry, which pays a lot of its workers in tips. If anything a “living wage” would increase the black market for working off the books, which therefore pushes more workers into the shadows of the law. And just think about it: if you believe $15 minimum won’t cost jobs then why not make it $20 or $30 an hour? The truth is that it will cost some, but perhaps if bureaucrats could find the exact price point then the few people who lose their jobs would be offset by the larger number of people who’d see a pay increase. I, however, don’t believe it’s possible to find such a price point for the entire, diverse (I cheerlead America’s state/regional diversity instead of trying to squash it under one umbrella) United States of America. I also don’t believe that if such a price point could be found that partisan-appointed, tenure-based bureaucrats would be the one to find it. A much more natural way to increase wages is by virtually eliminating unemployment with the measures I mentioned before: deregulation, low taxes, federal government jobs program, state jobs guarantee, test-taking platform.5. Ending the WarsThis isn’t 1789 as some conservatives wish it was in terms of domestic policy nor is it as some leftists wish it was in terms of foreign policy.The reality is that a terrorist anywhere threatens us everywhere. The United States of America has the largest target on its back, and not so much for what we have done although there are cases where what we have done definitely didn’t help, but for who we are. I highly encourage leftists to read up on self-defined socialist Christopher Hitchens views on America’s foreign policy. He, for example, supported the invasion of Iraq and our fight against Jihadism.Jihadism is like an ideological virus. Ideally, we could just hide behind our borders, but we can’t. We must prevent Jihadism from spreading. I believe America has been too quick to pull the trigger. Another alternative policy proposal of mine is that we should put a smartphone in every muslim’s hands who live in these terrorist hotbeds and then track them and secularize them. As the muslim world becomes more secularized then there will be less dry wood to light. It’ll be harder for Jihadi’s to infiltrate muslim minds and therefore muslim governments with their extremist views.With that said, we will need to occasionally drop democracy from the sky by bombing terrorist most-wanted hideouts. We also have to consider that we live in perilous times where W.M.D’s are becoming more powerful and accessible than ever before. We need to destroy these networks before they can get a chance to do real harm to us that could make 9/11 look like child’s play. Part of this strategy is ensuring state-sponsors of terror like North Korea and Iran don’t become the world’s “W.M.D. arms dealer,” which is what they plan to do because of they’re desperate need for cash. To prevent this nightmarish scenario America cannot hide behind our puddle. We must actively draw a line in the sand. War must be on the table. Negotiations have failed with Iran and North Korea for decades. Time is on the side of the nuclear proliferator. They will keep stringing us along with weak agreement after weak agreement until the point where we could no longer militarily intervene to stop a holocaust/slavery/further-proliferation without having to consider our own nuclear holocaust. Economic sanctions are not producing fast enough results. We must continue to use cyber warfare to sabotage their facilities and then where the dollar, democracy, and digital fails we may need to use drones.Thanks for reading! I know many of these views are unpopular on Quora, but I believe in the name of intellectual diversity it’s important to hear the downsides of even the best sounding policies. Kyle Kulinski is somebody I frequently listen to because despite our policy differences I think he’s smart, well-intentioned, and honest. To his credit he’s willing to call out the left and the right when he thinks they’re wrong, but one of our fundamental differences is that I’m extremely skeptical of the consolidation of all forms of power whether they be private or public. Power to the individual!