how to become investmet banker

 

How to Become an Investment Banker in India

Becoming an investment banker in India requires a structured path involving education, skill development, certifications, and practical experience in a competitive financial sector. This guide outlines the essential steps, qualifications, and opportunities to launch a successful career in investment banking as of 2025.indeed+1​

Educational Requirements

Start with completing your higher secondary education (10+2) from a recognized board, aiming for at least 50% aggregate marks, preferably in the commerce stream with subjects like mathematics, accountancy, economics, and business studies. A strong foundation in these areas prepares you for the analytical demands of investment banking.amityonline+1​

Pursue a bachelor's degree lasting three to four years in fields such as B.Com, BBA in Finance, BA in Economics, or BA in Finance to build core knowledge in accounting, financial management, corporate finance, investment, taxation, and data analytics. These programs equip you for entry-level roles and are widely accepted by top banks.psib+2​

For advanced positions, consider a two-year Master's degree like an MBA in Financial Management or MS in Finance, which enhances career prospects and is often required by leading firms. Shorter postgraduate programs from institutions like the NSE Academy in investment banking or capital markets, lasting six to nine months, provide specialized training.indeed+1​

A PhD in Finance or Banking, typically three years long, is optional but beneficial for senior roles, covering topics like asset pricing theory, corporate finance, and research methods; eligibility requires over 55% in postgraduate exams and clearing tests like UGC NET or CSIR UGC NET.amityonline+1​

Entrance Exams and Admissions

Clear competitive entrance exams after 10+2 for undergraduate admissions, such as CET, SET, DU JAT, CUET, or Christ University Entrance Test. For postgraduate programs, target exams like CAT, XAT, SNAP, NMAT, GMAT, or UGC NET to secure spots in top institutions.indeed+1​

High scores in these exams are crucial, as they determine access to prestigious colleges offering finance-related degrees essential for investment banking careers.indeed​

Essential Skills

Develop strong analytical and quantitative skills, including financial modeling, valuation techniques, and proficiency in data analytics to handle complex deals and market analysis. Communication, presentation, and negotiation abilities are vital for client interactions and team collaborations.nism+2​

Gain knowledge in financial markets, corporate finance, and regulatory frameworks specific to India, such as SEBI guidelines, to navigate the local investment landscape effectively.mergersandinquisitions+1​

Certifications and Courses

Obtain certifications like the CFA (Chartered Financial Analyst) to demonstrate expertise in investment analysis and portfolio management, which is highly valued by employers. The NISM Certification in Investment Banking or NSE's Certificate in Investment Banking (CIIB) provides targeted skills in valuation, mergers, and capital markets.nseindia+3​

Online courses or specialized programs from platforms like Meritshot or Amity Online in investment banking can accelerate learning, focusing on practical tools and are ideal for working professionals.meritshot+1​

Career Entry Steps

Secure internships lasting two months to two years at investment banks through job portals like Indeed, campus placements, networking, or direct applications to banks and NBFCs; these opportunities allow hands-on experience in financial modeling and deal execution. Strong performance during internships often leads to full-time offers.psib+1​

After gaining internship experience, apply for entry-level analyst roles by building a resume highlighting academic achievements, certifications, and relevant projects; target campus recruitment from top B-schools or direct applications to firms.mergersandinquisitions+1​

Network via LinkedIn, industry events, or mentors to uncover opportunities, as personal connections play a key role in breaking into investment banking in India.nism+1​

Top Investment Banks in India

Global firms like JP Morgan, Goldman Sachs, Morgan Stanley, and Citigroup dominate, offering roles in M&A, equity capital markets, and advisory with competitive packages. Domestic players such as ICICI Securities, HDFC Bank, Kotak Investment Banking, and Axis Capital focus on local deals and mid-market transactions.collegesearch+2​

Boutique firms like Spark Capital and Avendus Capital specialize in private equity and mid-sized M&A, providing growth opportunities in emerging sectors.rbeiset+1​

Key leaders include Anshuman Jain at Deutsche Bank for M&A and Rajesh Menon at HSBC India for equity deals, highlighting the expertise driving these institutions.collegesearch​

Salary Expectations

Entry-level analysts earn ₹6-17 lakhs per annum (LPA), while associates command ₹10-20 LPA, including bonuses tied to deal performance. Vice Presidents (VPs) see ₹20-35 LPA, and Managing Directors (MDs) can reach ₹40-100+ LPA or more, with total compensation exceeding ₹1-5 crore for top performers in global banks.edzeb+3​

The average salary across levels is around ₹9-12 LPA for freshers, rising to ₹29 LPA for mid-level roles, influenced by firm size, location (Mumbai and Delhi hubs), and experience; bonuses can add 20-100% to base pay.moneyview+3​

Compared to other finance roles, investment banking offers higher earnings than equity research analysts (₹6-12 LPA) or financial analysts (₹5-10 LPA), but demands longer hours.edzeb​

Role	Average Salary (India)	Top Firms
Analyst	₹6-17 LPA	JP Morgan, Goldman Sachs
Associate	₹10-20 LPA	Morgan Stanley, ICICI Securities
VP	₹20-35 LPA	Citigroup, Kotak
MD	₹40-100+ LPA	HSBC, Avendus collegesearch+2​

Challenges and Tips

The field involves long hours (80+ per week), high pressure from deal deadlines, and intense competition, requiring resilience and work-life balance strategies. Regulatory changes and market volatility add complexity.accredian+1​

To succeed, start early with internships, pursue continuous learning via certifications, and focus on networking; aim for top-tier education from IIMs or IITs for an edge. Stay updated on Indian markets through resources like NSE and SEBI publications.zelleducation+2​

1. https://in.indeed.com/career-advice/finding-a-job/how-to-become-an-investment-banker
2. https://mergersandinquisitions.com/investment-banking-in-india/
3. https://amityonline.com/blog/how-to-become-an-investment-banker
4. https://psib.co.in/which-course-is-best-for-investment-banking-jobs-in-india
5. https://www.nism.ac.in/how-to-build-a-career-in-financial-markets-in-india-series-mastering-the-market-investment-banking-as-a-career-in-india-part-1/
6. https://www.bibs.co.in/blog/investment-banking-in-india-step-by-step-guide-to-becoming-an-investment-banker-2025
7. https://www.nseindia.com/learn-certificate-in-investment-banking-ciib
8. https://www.zelleducation.com/blog/become-an-investment-banker/
9. https://meritshot.com/investment-banking
10. https://www.collegesearch.in/articles/top-investment-bankers-in-india-2025-crs
11. https://rbeiset.com/top-investment-banking-companies-india/
12. https://www.edzeb.com/blog/investment-banker-salary-in-india/
13. https://amityonline.com/blog/what-is-the-salary-of-an-investment-banker
14. https://blog.accredian.com/investment-banking-careers-in-india-roles-salaries-growth-opportunities/
15. https://moneyview.in/insights/investment-banker-salary-in-india
16. https://www.cfainstitute.org/programs/cfa-program/careers/investment-banker
17. https://plutuseducation.com/blog/investment-banking-courses-after-12th/
18. https://www.youtube.com/watch?v=rDZOGfDanyY

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growingup in the 90s

 HereTitle: The 90s—Songs, Freedom, and Unforgettable Memories

Ever wondered how a single 90s song can transform your entire day? Even now, when ‘Pehla Nasha’ plays on the radio, I find myself drifting down memory lane—back to the glorious, simple days of the 90s.

School was a mix of board exams and background melodies, Walkmans plugged in while my mom scolded me to study. From 10th and 12th boards to those crucial engineering days, every milestone had a Bollywood soundtrack.

Engineering Days: Freedom, Family, and Counting Down the Days

Manipal—my first real taste of living away from home! That excitement of freedom was matched only by missing family, especially during those long semesters. I still remember marking off dates on my hostel calendar, counting down every day until the next holiday, desperate for both home and aunty’s home-cooked food.

Speaking of food, Ananya Mess was legendary—unfortunately, mostly for how awful the meals were! Yet, the laughs shared with friends over those disaster dinners, the jokes exchanged on the hostel terrace, and sometimes even tears from missing home, are unforgettable.

Rainy season? We’d borrow a friend’s bike, sometimes one barely held together, and race to End Point at full speed—drenched, nervous, but loving every minute. Then there were those evenings at Deva’s, savoring bun masala and “Keshto”, always grabbing our favourite table. That was the real flavor of Manipal—friendship and freedom!

Songs, Friendships, and Little Moments That Matter

• Board exam prep always felt easier with ‘akelehum akele tum ’ and ‘Ek Ladki Ko Dekha To Aisa Laga’ echoing in the background.

• Group study sessions meant snacks, endless tea, and sneaking in Sonu Nigam songs alongside the textbooks.

25 Years Later—Those Memories Matter the Most

After 25 years in the corporate world, there’s still a part of me that’s stuck in the 90s. When deadlines loom, I cue up a 90s playlist. When team meetings need a morale boost, I bring the spirit of hostel bonding. Sometimes, just the memory of Keshto at Dev’s or singing at Malpe Beach makes everything brighter.

In the End—True Richness is in Memories and Melodies

Sure, life may have moved forward, and achievements are worth celebrating. But real richness comes from the songs, friendships, and those legendary moments in Manipal.

If you ever want to travel back, just listen to “Pehla Nasha.” Freedom, friends, and flavor—everything the 90s gave us is waiting in those memories.

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Feel free to add your own anecdotes or further personalize for your blog!

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A Quarter-Century Journey: From October 14, 1999 to Today

The Beginning: October 14, 1999

Twenty-six years ago today, I walked through the doors of Tata Consultancy Services (TCS) for the first time. Fresh-faced and filled with equal parts excitement and nervousness, I had no idea that this first step would launch a professional journey spanning continents, companies, and countless unforgettable experiences.

That date—October 14, 1999—marks not just the start of my career, but the beginning of an adventure that would take me across five continents and shape who I am today.

The Foundation: TCS Years

TCS was my university in the real world. It was where I learned the fundamentals of technology, project delivery, and client relationships. The company's culture of learning and emphasis on excellence became the bedrock of my professional values. Those early years taught me discipline, attention to detail, and the importance of teamwork—lessons that would serve me throughout my career.

But perhaps more importantly, TCS gave me my first taste of international work. Those initial overseas assignments opened my eyes to the global nature of technology and sparked a curiosity about the world that has never dimmed.

Expanding Horizons: The HP Chapter

Moving to Hewlett-Packard (HP) was a significant leap—a chance to work with one of the most iconic names in technology. HP brought a different perspective: innovation at scale, a rich heritage of engineering excellence, and a truly global footprint.

At HP, I worked on larger, more complex projects that took me to new countries and exposed me to diverse work cultures. Each client interaction, each project kickoff in a different time zone, each collaboration with colleagues from around the world added new dimensions to my professional toolkit.

The NESS Experience

The transition to NESS Technologies brought yet another flavor to my journey. Here, I experienced the agility and innovation mindset of a company that balanced the efficiency of established processes with the creativity of newer thinking. NESS challenged me to think differently, to be more entrepreneurial, and to take ownership in ways I hadn't before.

Finding Home: CSG

My journey with CSG International has been particularly rewarding. The company's focus on customer engagement solutions in the telecommunications and media industries opened up fascinating challenges and opportunities. At CSG, I've had the chance to contribute to meaningful projects that impact how millions of people connect and communicate.

Six Continents, Countless Memories

Over these twenty-six years, my passport has become a treasured scrapbook of experiences:

Asia – From the bustling streets of Singapore to the tech hubs of Bangalore and beyond, Asia has been both home and destination, familiar yet always surprising.

Europe – London's financial district, Amsterdam's canals, the precision of Germany, the warmth of Mediterranean countries—Europe taught me that excellence comes in many cultural flavors.

North America – From Silicon Valley to New York, from Toronto to Mexico City, North America showed me the pace and scale of innovation, the art of the pitch, and the beauty of diverse perspectives.

South America – Brazil's energy, Argentina's passion, and the emerging tech scenes across the continent reminded me that innovation knows no geographic bounds.

Africa – Projects in South Africa and Kenya revealed rapidly evolving markets, incredible resilience, and the universal nature of technology's promise.

Australia – Down Under brought a refreshing work-life balance perspective and showed me that great work can happen anywhere, even on the other side of the world.

Only Antarctica remains unvisited—and honestly, there aren't many data centers down there!

The Real Treasures

While the stamps in my passport tell one story, the real treasures of this journey have been far more valuable:

• The People: Colleagues who became friends, mentors who became lifelong guides, clients who became partners. Every interaction enriched my understanding of not just technology, but humanity.

• The Perspectives: Working across cultures taught me that there are many right ways to solve a problem, many valid approaches to teamwork, and that listening is often more valuable than speaking.

• The Growth: From technical skills to leadership, from project management to strategic thinking, each company and each continent added new capabilities to my professional repertoire.

• The Adaptability: Learning to work effectively in different time zones, navigate different business cultures, and bridge communication gaps has been invaluable.

Reflections on Satisfaction

As I look back on this journey from October 14, 1999, to today, the overwhelming feeling is one of deep satisfaction. Not because everything was perfect—far from it. There were failed projects, missed opportunities, difficult transitions, and countless challenges along the way.

The satisfaction comes from something deeper:

• The privilege of working on meaningful projects that made a difference
• The joy of continuous learning and growth
• The richness of experiencing the world through work
• The relationships built across borders and time zones
• The knowledge that I've contributed something valuable to each organization I've been part of

Looking Forward

As I mark this twenty-sixth anniversary, I'm reminded that the journey isn't over. Technology continues to evolve at a breathtaking pace. New continents of possibility—cloud computing, AI, digital transformation—await exploration.

But I carry forward the lessons of these twenty-six years: stay curious, remain adaptable, value people above processes, and never stop learning.

To anyone starting their career today, I'd say this: embrace the journey. Say yes to opportunities that scare you a little. Seek out experiences that challenge your assumptions. The path from TCS to wherever you're headed will be uniquely yours, but the rewards of a journey lived fully are universal.

Here's to the next chapter—wherever in the world it may take me.

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What has your professional journey looked like? I'd love to hear your stories in the comments below.

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Lighting Up the Coast: The Vibrant Diwali Festivities of Goa 2025

Goa Festive Diaries

Diwali in Goa: A Unique Coastal Fiesta

Traditions, Rituals, and Celebrations by the Sea

Experience the magic of Diwali in Goa, where ancient legends meet waves and fireworks explode over palm-lined beaches. 
Let’s explore the festivities, local flavors, and rituals that make Goan Diwali truly unforgettable.

Introduction: Diwali in Goa – Festival with a Coastal Soul

Diwali, India’s Festival of Lights, is celebrated pan-India, but the state of Goa adds its own unique colors and rituals to this iconic festivity. While the core theme—victory of good over evil—is preserved, the celebration integrates Goan folklore, processions, culinary delights, and the signature relaxed beachfront lifestyle that makes the region famous.
Diwali celebrations here blend age-old Hindu customs with coastal rhythms, lively street parades, and vibrant feasts under the stars. Whether wandering among giant demon effigies or lighting diyas along the Arabian Sea, Goan Diwali is both a spiritual and sensory feast for all ages.[web:3][web:5][web:9]

The Legend of Narakasura: Why Diwali is Unique in Goa

Narakasura Chaturdashi, celebrated a day before traditional Diwali, is the most prominent day in Goa’s festive calendar. Here, the festival is rooted in the local legend of demon king Narakasura, whose defeat at the hands of Lord Krishna marks the start of Diwali.[web:3][web:5][web:7]

• Weeks prior, Goans craft enormous effigies of Narakasura from paper and straw, some towering over 20 feet tall.[web:5][web:13]
• On Chaturdashi dawn, these effigies are paraded through streets, cheered by crowds, then set ablaze in spectacular bonfires, signifying the victory of good over evil.[web:3][web:9]
• The sound of fireworks fills the air, as locals and tourists join in for an unforgettable start to Diwali.[web:5]

This fiery tradition, more than any other, marks Diwali as Goa’s festival of energy, community, and new beginnings.

Festival Decorations and Artistic Touches

• Homes, shops, and temples are adorned with glowing diyas (oil lamps), colorful lanterns (akash kandils), and marigold garlands.[web:5][web:20]

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How Indian Festivals Became Commercial Spectacles

From Sacred to Sponsored: How Indian Festivals Lost Their Devotion

Festivals once unified Indian communities in prayer, gratitude, and joy. But today, the spectacle of bright lights and louder festivities often hides a deeper truth: faith sometimes takes a backseat to sales and showbiz. With Garba turning into social dating events and religious pandals crowded with corporate advertising, the soul of our festivals faces a critical test[web:6][web:1][web:7].

The Hijack of Devotion: A Modern Garba Story

Navratri’s Garba was supposed to be a celebration of triumph, devotion, and cultural pride. However, the modern Garba ground has shifted drastically. High-value tickets, alcohol sales, and record-breaking condom sales are now routine. Far from being only about goddess worship and festive dancing, Garba events have become matchmaking corners and party destinations. The media even labels it "Tinder in ethnic wear," highlighting the focus on hookups over hymns[web:6].

“This Navratri, Durex outsold devotion. Record-breaking sales prove what people are actually doing after Garba nights. Spoiler: It isn’t chanting bhajans... The dance floor is no longer about goddess worship — it’s about hookups. Garba has become Tinder in ethnic wear, swipe right with dandiya sticks.” — IndiaHerald, Sep 2025

• Entry tickets between ₹2,000 and ₹15,000 for exclusive access[web:6].
• Organizers focus more on profits than on community bonding or devotion[web:6].
• Nightly events market themselves as both traditional and ultra-modern “meetups”[web:12].

Ganesh and Durga Puja Pandals: Logos Over Legends

Across Mumbai, Kolkata, and other metros, Ganesh and Durga Puja pandals no longer just house idols—they showcase brands: LED screens, banners, celebrity tie-ins, and digital campaigns. Multinational corporations and e-commerce giants fight over prime advertising space, with millions spent annually on “pandal branding” and influencer tie-ups[web:13][web:10][web:7]. The local flavor often fades behind the glare of billboards[web:10][web:19].

Festival	Type of Commercialization	Examples
Durga Puja	Corporate Sponsorship, Merchandise Stalls	LED screens with ads, FMCG and e-commerce brand campaigns, ₹500–800 crore spent in Kolkata alone[web:7]
Ganesh Chaturthi	Branded Billboards, Social Media Contests	Brands creating billboards shaped like idols, social media hashtag challenges, interactive digital displays[web:10]
Garba/ Navratri	Paid Tickets, Sponsor-Driven Venues	High entry fees, fashion/condom brand stalls, organized singles/dating events[web:6][web:15]

A Crisis of Faith?

Where faith once took center stage, today’s festival organizer is often a brand manager. The emotional, communal appeal is replaced by visual spectacle and crowd engagement analytics. Local arts and artisans, once honored for their creative devotion, now serve the demands of sponsors who prioritize “crowd-pulling” over authenticity [web:1]. Some communities are rethinking this shift, but the commercial machine only grows larger.

• Authentic, hand-crafted artistic displays are replaced by expensive, sponsor-friendly themes[web:1][web:13].
• Pandals and mandals compete for attention with shock-and-awe set pieces funded by advertisers[web:19][web:10].
• Festival budgets now measure success by footfalls and social media impressions[web:7].

“Money makes the world go round. But the very existence of festivals, of days dedicated simply to celebration, shows humans have always led with their hearts. Now, the increasing monetary affliction of the celebrations is ringing alarm bells...” — Durga Puja: From Emotion to Commercialisation

Why Commercialization?

Several factors have led to this transformation:

• Brands seek captive audiences and emotional resonance only festivals provide[web:2].
• The explosion of social media and influencer marketing makes even local celebrations “content-ready” for brands[web:5][web:3].
• Festivals are high-stake spending periods—household budgets for festivities keep rising, drawing more marketers each year[web:4].
• Communities themselves often expect lavish, sponsor-fue

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ai tools and their details

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Unlocking Daily Productivity: The Essential AI Tools for 2025

Artificial Intelligence tools are now an inseparable part of modern work and personal routines. From writing and organization to automating complex repetitive workflows, the right AI app can save countless hours and give actionable insights. The real magic? Proficiency grows as each tool becomes familiar—so the more we use them, the smarter and faster our workflow gets.^{[11][19][24][23]}

How AI Tools Make Everyday Life Easier

AI’s capabilities go far beyond the hype. Today’s best tools can help with everything from:

• Automated content creation: Instantly generate blogs, emails, reports, presentations, and even videos, freeing time for creative ideas.
• Task & time management: AI-powered calendars and to-do lists dynamically arrange tasks based on real priorities—a game changer for busy professionals.
• Seamless organization: Knowledge management tools summarize complex data, organize projects, and improve collaboration in real time.
• Automation & integration: AI connects apps to move data or automate repetitive actions—no coding needed.
• Editing & improvement: Advanced grammar, spell check, and tone analysis help polish any document or communication.
• Image & video creation: Generate graphics, banners, or polished video content for brands, social media, and presentations.

The More You Use, The Smarter You Get

Using AI is a skill—and like any skill, it improves with practice. The first time an app drafts an

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atomic habits summary

Atomic Habits — Book Summary & Key Concepts

Atomic Habits by James Clear teaches how tiny, daily changes can lead to remarkable long-term results. The book presents a proven framework—the Four Laws of Behavior Change—to form good habits, break bad ones, and reach personal and professional goals[web:1][web:2][web:4][web:6].

Core Idea: Small Habits, Big Results

Meaningful improvement doesn’t come from drastic transformations. Instead, the core principle is consistent 1% improvement every day, which multiplies into exponential change—making you over 37 times better in one year. Habits are the “compound interest” of self-improvement: positive or negative actions accumulate, shaping your future[web:1][web:2][web:4].

The Four Laws of Behavior Change

• Make it Obvious: Design cues that remind and prompt positive behavior.
• Make it Attractive: Ensure the desired habit is appealing—attach it to things you enjoy.
• Make it Easy: Simplify the action. Break habits down into two-minute routines to lower friction.
• Make it Satisfying: Provide instant rewards to reinforce the new behavior[web:4][web:1][web:5][web:6].

Habit Loop: Habits have four stages—cue, craving, response, reward. Understanding and tweaking the loop helps build good habits and eliminate bad ones[web:1][web:6].

Systems vs. Goals

Rather than obsessing over goals, focus on the systems that produce results. Successful change is about identity: “Don’t aim to run a marathon, aim to become a runner.” Your actions are votes for who you want to be. Shape your environment and routines to support the identity you want to build[web:2][web:4][web:5].

Actionable Strategies from the Book

• Integrate new habits into existing routines for easier adoption (habit stacking).
• Identify and remove friction in the environment that encourages bad habits.
• Track progress—use visible cues and rewards to reinforce habit formation.
• Be patient and persistent; small habits don’t show immediate results, but their effects compound over time[web:5][web:4][web:2].

Why Atomic Habits Works for Everyone

The book’s advice is universally relevant—whether the goal is personal wellness, productivity, career growth, or quitting harmful behaviors. Anyone seeking lasting self-improvement will benefit from embracing the atomic habits framework and transitioning from outcome-based thinking to identity-based change[web:2][web:4][web:1].

SEO Tip: To optimize habits for productivity, pair habit tracking apps and calendar reminders with two-minute rules, making consistent improvement manageable and visible.

Recommended Keyword Phrases:

• Atomic Habits book summary
• Four Laws of Behavior Change
• How to build good habits
• Atomic Habits strategies
• James Clear habit loop
• 1% improvement growth

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The Great Birthday Database Disaster

 

The Great Birthday Database Disaster: A Comedy of Formats

Today, October 3rd, I woke up to my phone exploding with notifications. "Happy Birthday!" "Wishing you a wonderful year ahead!" "Hope your special day is amazing!"

There's just one tiny problem: my birthday is in March. March 10th, to be precise.

Welcome to the hilarious hell of living in a world where half the internet thinks mm/dd is the one true date format, while the other half swears by dd/mm. Spoiler alert: when you're born on 10/03 (or is it 03/10?), you become the unwitting protagonist in a twice-yearly comedy of errors.

The Birthday That Keeps On Giving (Twice)

Let me paint you a picture. It's March 10th. I wake up to a flood of birthday wishes from my local bank, favorite restaurant, and that yoga studio I signed up for once in 2019 and never returned to. All good. This is correct. These people have their act together.

Then October 3rd rolls around, and BOOM—déjà vu. Except this time it's the international apps, American retailers, and that one insurance company that apparently stores dates in mm/dd format because... freedom? My inbox becomes a time-loop nightmare where I'm celebrating my birthday for the 274th day in a row, or 173 days too early, depending on which database you trust.

The Identity Crisis

The real existential crisis hits when you start receiving birthday wishes from the SAME company on BOTH dates. Yes, you read that right. Some companies have clearly achieved peak confusion and decided, "You know what? We're not sure anymore. Let's just wish them twice and cover our bases."

I've got a shopping app that sends me a birthday discount code in March AND October. At this point, I'm not even mad—I'm impressed by their commitment to hedging their bets. It's like they're saying, "We have no idea when you were actually born, but we're not risking losing you as a customer, so here's 20% off. Twice."

The Global Database Conspiracy

Here's what I imagine happens in these corporate databases: there's my birth date, sitting innocently as "10/03/1990" (year changed to protect my vanity). Some American developer sees it and thinks, "October 3rd, cool." Meanwhile, their European colleague looks at the same number and goes, "Ah yes, 10th of March, naturally."

Neither of them talks to each other because they're in different time zones, working asynchronously. The database just sits there, smugly storing my birthday as a string of numbers, refusing to clarify which format it's actually using. It's the Switzerland of data fields—neutral, unhelpful, and technically correct from a certain point of view.

The Awkward Thank-Yous

The worst part? The social obligation to respond. Do I correct them? "Thank you, but actually my birthday is in March, your database has a formatting issue"? That seems pedantic. Do I just say "Thanks!"? That feels dishonest. Do I ignore it entirely? That seems rude.

I've settled on a vague "Appreciate you thinking of me!" which is technically true—I do appreciate that their automated system thought of me, even if it thought of me on the wrong day because of a data formatting apocalypse.

The Silver Lining

On the bright side, I've discovered some interesting patterns. British companies? Spot on. Always March 10th. American fast-food chains? October 3rd, every time. That random app I downloaded that was probably made by a startup in Bangalore using American cloud infrastructure but following Indian date conventions? Pure chaos. I think they wished me happy birthday in July once. I have no idea what happened there.

The real winners are the companies that actually ask you to SELECT your birth month from a dropdown menu and then type the day separately. Those people deserve medals. They've figured out that humans can't be trusted with ambiguous number strings.

The Moral of the Story

So here I am, on October 3rd (or is it 03/10?), awkwardly accepting birthday wishes that belong to my March self, seven months away. I'm eating birthday cake that I bought for myself—because if companies are going to insist on celebrating my fake birthday, I might as well get some dessert out of it.

Next March, when my real birthday rolls around, I'll go through this whole circus again. And you know what? I've made peace with it. In a world of properly formatted dates, I'm living in two timelines simultaneously.

Happy birthday to me. And also, happy birthday to future me in five months.

Or past me from seven months ago.

I honestly don't know anymore.

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investopedia.org.in your financial guide

  

Investopedia.org.in – Your Trusted Guide to Smarter Personal Finance in India

In today’s fast-changing financial landscape, Indians are bombarded with options—mutual funds, insurance plans, tax-saving instruments, crypto assets, stock trading apps, and a host of “get-rich-quick” schemes. But with so much information (and misinformation) floating around, where does the average investor turn for unbiased, practical, and India-specific financial guidance?

This is exactly the gap Investopedia.org.in fills. Built with the vision of empowering individuals to take control of their financial future, the blog offers insightful, easy-to-understand articles tailored to the Indian audience. Whether you are a first-time investor, a mid-career professional, or someone planning for retirement, this platform provides actionable knowledge to help you make smarter money decisions.

follow this channel to get updates from investopedia whatsapp

https://investopedia.org.in/mutual-funds-vs-etfs-the-complete-investment-guide-for-indian-investors-in-2025/

https://investopedia.org.in/mutual-funds-vs-etfs-the-complete-investment-guide-for-indian-investors-in-2025/

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chteshwarpujara retirement

CHETESHWAR PUJARA

"The Modern Wall of Indian Cricket"

"Cricket is not just about scoring runs quickly; it's about building an innings, wearing down the opposition, and giving your team the best chance to win. That's what Test cricket is all about."

🏏 Batting Excellence

Cheteshwar Pujara epitomizes the classical art of Test batting. His technique, honed through years of domestic cricket and international experience, represents the perfect blend of patience and precision.

Known for his rock-solid defense and ability to occupy the crease for hours, Pujara has been the cornerstone of India's batting lineup. His 206* against England at Ranchi stands as a testament to his concentration and determination.

With 19 Test centuries and an average of 43.60, he has consistently delivered when the team needed him most, especially in challenging overseas conditions.

🛡️ Mental Fortitude

Pujara's temperament is legendary in world cricket. His ability to absorb pressure and bounce back from difficult situations has earned him respect from teammates and opponents alike.

The 2018-19 series in Australia perfectly showcased his mental strength, where he faced 1,258 balls across four Tests, absorbing countless body blows while scoring three crucial centuries.

His patience at the crease is unmatched - he's one of only three Indians to bat on all five days of a Test match, demonstrating his extraordinary concentration and commitment to the team's cause.

Career Statistics & Records

Format	Matches	Innings	Runs	Highest Score	Average	Strike Rate	Centuries	Half Centuries
Tests	103	176	7,195	206*	43.60	44.36	19	35
First-Class	278	-	21,301	352	51.82	-	66	81

Test Cricket Boundaries & Milestones
Fours	863	Sixes	16
Ducks	12	Triple Hundreds (FC)	3

Format	Matches	Innings	Runs	Highest	Average	Strike Rate	50s/100s
Tests	103	176	7,195	206*	43.60	44.36	19/35
ODIs	5	5	51	27	10.20	39.24	0/0
IPL	30	22	390	51	20.53	99.75	0/1
T20 Domestic	71	-	1,556	100	-	-	-/1

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