I have been born and brought up here and when I was a kid ( in the 2000s and 2010s) we didn't have any ACs at home in fact it was quite common for even middle class and upper middle class folks to not have ACs but now it's November and I feel like I am melting at 10 in the morning.I geniunely believe that this yearling extreme heat witha very brief respite during monsoon is massively shortening our lifespans. Our quality of life is shit as it is and no productivity so to speak of. I don't remember it ever being this hot. This seems like a emergency sort of situation but I don't see it being addressed by any politician. We need emergency measures and like yesterday.

Lost my 1st class local train pass. Is there any way to get a duplicate one from the ticket counter? I have the previous expired original pass and Xerox copy of the lost pass.

Over the internet people say that you can get it by writing a letter and all and by paying a nominal fee but ticket counter at Churchgate denied.

Worth it hai kya? I heard infrastructure is great and placements are decent also all the tie-ups with foreign uni's so is it worth all the money.

This might sound like a strange request but I am looking for photographers/videographers who work in the luxury segment.

Everything I can find on Google is budget or affordable. I want someone who charges a lot and delivers value at that rate. Can someone tell me how to find these people?

🛑Looking for a flatmate (male) single occupancy in Vikhroli. 1 BHK fully furnished, prime location, 19th floor 2 attached bathroom. Fully furnished items include TV, washing machine, oven, fridge, sofa, dining table, queen sized bed, cupboard, wifi etc Total rent is 36k.

We are two people(age 22) working professionals in one of the big4 firm (new hires). For more details please dm me🛑

My mom is a big fan of trying out different types of rice. We used to get Gobindobhog rice in Star Bazaar a few years back but they no longer sell it. Are there any places in Mumbai which do sell the rice? Dear Bengalis of Mumbai please let me know in the comments.

Thanks in advance!

Guys Mumbai is damn expensive. And I am from Kerala. Can you please help me to get affordable Kerala food near Mulund area. I have done multiple searches in google already. Tired of Zomato and Swiggy

Dahisar East has got to be the worst place to live in all of Mumbai.

People here over-celebrate everything. It’s just nonstop chaos. For five days straight, from October 30th to November 3rd, people have been bursting crackers from 8 PM till 5 AM. Nonstop. It’s crazy. And those ₹150-a-pop rockets? No idea how they’re affording those, but they’re going hard on them.

And it’s not just Diwali. During Ganpati, they go wild with dhols until 3 AM. Navratri? No rules. Garba blasts till 1 AM. It feels like every other day there’s some celebration going on, even when there’s no festival—just an excuse for Dhol/Jagrata or some bhajan music, and they’re ready with their deafening speakers.

And let’s not forget, there’s a masjid every 200 meters, adding even more noise to the mix.

The worst part? Just 1 km away in Borivali West, it’s a completely different world. People there actually follow rules, and it’s so much more civilized and peaceful. Same goes for Dahisar West, where it’s dead silent compared to the madness in the East. The difference is night and day.

I know no one really talks about Dahisar, but I’m just fed up with this constant noise, the blaring loudspeakers, and the over-the-top celebrations without a shred of respect for any rules.

Just needed to vent. I am not RIndia User, nor I have any sides or hatred, its just I Need peace and it seems like Peace is luxury in Mumabai Now

Hi everyone,

I'm in the UK and looking for recommendations on websites or Facebook pages where I can shop for Indian wear. I usually buy from boutiques in Punjab, particularly from Phagwara and Jalandhar, but I’d love to explore options from across India.

My budget is ideally under £100. Any suggestions would be appreciated!

Thanks

I am a science student, interested in physics and Mathematics, school books are boring ,I got recommendation that Russia author of soviet era are great. So if anyone knew a good old bookstore who have such old books than it will be good. Really appreciate if you help you

Happy Diwali guys, joined tech consulting as a college grad last year. Initially lot of time was wasted as they had benched us and acutal staffing began in Dec. The first project was fairly chill and had lovely people in the team. Cut to August I'm staffed to a 5 days wfo project where initially I'm waiting to get involved and all of a sudden in a month I'm bombarded with complete ownership of a lot of items. The work imo is manageable for me, but the project manager is a double faced person who has become rude to me, they have double standards when it comes to managing people. Bothers me but I try to focus on work and keep it profession. Have confronted them about it too. I still live in constant fear and stress about my and keep waking in the middle of the worrying about the completion of it. I could not even enjoy coming back home for Diwali. Worried about Monday and rest of the week. I really wish to change my firm and profile but feel so stuck to get out. My mother is slowly losing motility due to extreme knee pain so I feel constant guilt about not being able to help them enough till there is a permanent solution. Tl,dr; Work and personal life stressing a person out in their 20s.

I'm looking for a 1 BHK flat for rent in Central Mumbai, with a budget of 18k to 20k. If anyone has any leads, please let me know.

HELP! - WhatsApp Stock Market Scam

My father was added to a WP group where the scammers manipulated him into putting in xx lakhs into their fraudulent schemes. They made him transfer that money in parts to a few different people. It then showed my dad has made a profit. When my dad asked for the money withdrawal, they asked him to submit xx lakh ( same as the original amount) again and then they will send him all his profit. He did not do it but we are still in loss of xx lakh . The WhatsApp group is still active and posting regularly. The transfer was made through online Banking from a debit account.

What can I do now ?

Hi, Does anyone know a good jewelry store that can replicate bracelets/rings, etc. from internet pictures such as cartier or other European designs online.

money.

An Uber driver out of the blue handed me his phone and showed me an HSC mark sheet of his kid. He said he only gets a 50% cut driving Uber since he doesn't own the car. He then also mentioned another of his kids education situation and said he needs to pay their fees. Asked for around Rs. 1000.

I politely refused while feeling bad for the dude who was trying to make an honest living. But I have been burnt before by people I know. Haven't seen any money coming back to me. So I am usually skeptical lending money even to people who I know let alone strangers.

When I reached my destination, just wished the driver all the very best for his kids and told him they are on the right path. That's the best I could do.

Not sure if the guy was scamming me or was genuinely in need. Felt bad either way.

Like the title says, I operate a real estate start-up based out of Navi Mumbai and Mumbai. We have been doing this for the last 2.6 years and have netted an annual revenue of INR 54 Lacs for last FY. We have no loans on us, all profits are re-invested. I just literally don't have any idea as far as getting funded is concerned as I needed that for further scaling. Here's more details about who we are -

Line of Business 

CampusNation operates in the real estate sector with a unique hybrid model focusing on shared accommodation and real estate investment solutions. The company’s two primary lines of business are tenant-focused shared accommodation services and investment-focused real estate models. Each component serves distinct customer needs while enhancing value through a synergy of secure, income-generating properties and targeted investment schemes.

Line of Business 

CampusNation operates in the real estate sector with a unique hybrid model focusing on shared accommodation and real estate investment solutions. The company’s two primary lines of business are tenant-focused shared accommodation services and investment-focused real estate models. Each component serves distinct customer needs while enhancing value through a synergy of secure, income-generating properties and targeted investment schemes.

Tenant-Focused Shared Accommodation Services: 

CampusNation’s core service is providing high-quality, flexible accommodation solutions for transitory populations, including students, medical tourists, business travelers, and temporary residents. By leasing and managing properties in high-demand locations, CampusNation builds an environment where tenant experience is optimized, and properties are well-maintained. The shared accommodation model caters to growing demand for affordable, furnished housing without the hassle of short-term rental contracts, enhancing occupancy and revenue streams. CampusNation leverages its operational strength to deliver well-managed housing options in desirable locations, minimizing vacancy rates and providing a stable rental environment.

Investment-Focused Real Estate Models: 

To finance its accommodations and expand its footprint, CampusNation offers three structured investment models tailored for different investor profiles:

1. Lease Term Dividend Growth Model: Investors pool funds to lease properties, and rental income is distributed monthly as dividends.
2. Ownership Capital Growth Dividend Model: Investors gain fractional ownership in pre-leased properties, earning rental dividends and benefiting from capital appreciation.
3. Builder Collateral Debt-Equity Model: Investors secure debt instruments backed by apartments from builders, offering rental income, secure interest, and property acquisition if the builder defaults.

CampusNation’s approach creates a cohesive ecosystem where high-occupancy, high-yield properties benefit both tenants seeking reliable accommodations and investors looking for income-generating real estate opportunities. Through this model, CampusNation combines operational excellence in property management with investor-focused solutions that promote long-term financial growth.

Revenue Sources 

CampusNation’s revenue model leverages both tenant-focused income streams and investment-driven financial mechanisms. The diversified approach ensures steady revenue from shared accommodations, management fees, and investor contributions, generating robust, multi-source cash flows. Here’s a detailed breakdown of each revenue source:

1. Rental Income (arbitrage)  from Shared Accommodations

The primary revenue source for CampusNation is the rental income arbitrage generated from leasing properties and subletting them in the shared accommodation market. This revenue stream targets a large transitory and migratory population, including students, medical tourists, and temporary professionals, providing:

1. Monthly rental income from tenants who pay a set fee based on shared or individual occupancy.
2. Owner’s rent and maintenance charges are deducted to target a 25% margin ratio with current realisation at 20%. 
3. Flexible leasing options tailored for different needs, with tenants typically paying for short to medium-term stays, often at higher per-unit rates compared to long-term rentals.

2. Investment-Based Income from Three Structured Models

CampusNation provides investors with three structured investment models, each generating revenue through both management fees and appreciation-based incentives (success fees):

• Lease Term Dividend Growth Model: Investors pool capital for leasing properties, with CampusNation deducting a 4% management fee from rental income before distributing dividends.
• Ownership Capital Growth Dividend Model: Fractional ownership provides rental income distributions to investors, with CampusNation earning a management fee and benefiting from the appreciation in asset value.
• Builder Collateral Debt-Equity Model: Through this model, CampusNation acts as an intermediary between builders and investors, earning a fee for securing builder-backed collateral on properties used for leasing. This model also opens revenue from interest payments or secured asset acquisition in case of default.

3. Asset Appreciation and Real Estate Gains

Capital Appreciation: Through the Ownership Capital Growth Dividend Model, CampusNation holds an interest in the appreciation of the properties it manages, creating long-term gains on real estate value. This appreciation is split between investors and the company.

Debt Collateralization Gains: In the Builder Collateral Debt-Equity Model, CampusNation has the right to acquire collateralized assets if the builder defaults, allowing it to generate returns on resale or leasing of these assets.

4. Expansion of Global Network

Future revenue includes the potential to expand into global markets, capturing additional tenant and investor demographics. This allows CampusNation to increase occupancy rates and investor returns through international shared accommodation properties and create a globally diversified portfolio that enhances both occupancy and yield.

This diversified revenue stream structure enables CampusNation to capitalize on property management, investment models, value-added services, and data analytics, creating a scalable, high-return business with strong potential for future growth and market expansion.

Op. Liabilities 

CampusNation's operational liabilities primarily center on managing the leasing, maintenance, and investment models across a portfolio of properties. Here’s a breakdown (figures given are for a standard 2 BHK with 4 double sharing tenants i.e., having one bed each):

Lease Commitments and Property-Related Obligations:

1. Property Leases: CampusNation has recurring obligations for properties leased under the Lease Term Dividend Growth Model. These leases often require advance rent payments, security deposits, and compliance with landlord-imposed terms, making them a fixed cost.
   1. INR 30,000 /m average. 
2. Security Deposits: Deposits paid to landlords as collateral can be substantial, typically tied up until the end of lease terms.
   1. 3x Monthly Rent ~ INR 1,00,000 Average. 
3. Property Furnishing and Upkeep: Initial and recurring costs for furnishing, repairs, and upgrades to keep properties in tenant-ready condition are a significant liability.
   1. Initial Cost of Furnishing - INR 2,50,000 Average. 

Maintenance and Operational Costs:

1. Routine and Emergency Maintenance: Properties require upkeep to ensure quality, including utilities, repairs, and cleaning, which form a recurring operating expense.
   1. Monthly Upkeep Costs - INR 2,000 /m 
2. Staff Salaries: Maintenance and management staff, both in-house and outsourced, are essential for daily operations.
   1. Cleaning Staff and Repair Staff Salary - INR 2,000 /m
3. Utilities and Service Contracts: Utilities like electricity, internet, and water must be maintained, especially in shared accommodations where quality impacts tenant satisfaction.
   1. Utilities such as electricity and water are paid for by tenants. 
   2. Internet & Misc. Utilities ~ INR 1,000 /m

These operational liabilities are managed by CampusNation’s business model, focusing on balancing high occupancy with investor distributions and asset appreciation, while minimizing risks through diversified investments and robust property management practices.

Net Liabilities (All amounts in INR) 

|| || |Head|Net Liabilities (Unit Wise) |Net Liabilities (Company) | |Lease Payments |30,000|4,50,000| |Security Dep. & Furnishing |Represents Depreciation|Represents Depreciation| |Utilities & Maintenance |3,500|53,000| |Compliances|N/A|5,000| |Marketing & Cost-of-Acq. |1,000 /client|15,000| |Salaries|N/A|30,000| |Total||5,53,000|

Net Op. Profit 

Net Monthly Expenses (Before Taxes) 

= INR 5,53,000

Net Monthly Revenue 

=INR 7,56,000 (54*14,000/Total Tenants * Avg. Fees)

Net Operating Profit 

~ INR 2,00,000 /m

Profit After Tax

Though we have obtained a three year tax vacation valid up-to the next 10 years (till 2033), we’ve decided to utilise the same in the last years of the availability to maximise capital retention. 

Currently, according to the new regime and for AY 2024-25 corporate taxes are applicable at 25% for domestic companies. 

Net taxable income = INR 2,00,000 /m 

Rate = 25% 

Net Tax Obligation = INR 50,000 /m 

Monthly PAT = INR 1,50,000 /m

Annualised Tax Obligation = INR 6,00,000 /year

**Annualised PAT = (**NOP - Total Tax Obligations) 

= (24,00,000-6,00,000)

= 18,00,000. 

Yearly Rev. 

Monthly Rev. = INR 7,42,000

Annual Rev. = INR 89,04,000 

Annual Summary

Revenue Analysis and Profit Margins

CampusNation’s annual revenue of INR 89,04,000 with an annualized operating profit of INR 24,00,000 before taxes showcases a high-margin business model with operational efficiency. The breakdown shows that approximately 27% of the revenue goes directly toward generating operating profit, indicating a strong margin with room for reinvestment or scaling.

1. Revenue Stream Diversification: The model primarily relies on tenant rentals, which are augmented by value-added services such as maintenance, furnished amenities, and reliable tenant services. CampusNation’s occupancy-focused approach keeps cash flows predictable and mitigates vacancy risks. Leveraging the pan-India demand for shared accommodation, especially in high-density urban centers, could increase occupancy even further, solidifying revenue streams.
2. Annualized Revenue Potential: With the current unit model, annual revenue sits at nearly INR 89 lakh; however, CampusNation can scale by replicating this model across additional properties or expanding to new markets. In high-demand urban areas, the tenant demand remains steady due to limited affordable housing options, allowing CampusNation to sustain high occupancy rates and reliable rental income.

Operational Cost Efficiency

CampusNation's monthly operating expenses of INR 5,53,000 reveal a well-optimized cost structure. Key observations include:

1. Controlled Leasing Costs: Lease payments, the largest fixed expense, amount to INR 4,50,000 monthly. Given that this represents nearly 81% of total operating expenses, maintaining competitive leasing terms will be crucial as the model expands. Additionally, negotiating longer-term leases or volume-based discounts with landlords could help stabilize costs.
2. Scalability of Furnishing and Maintenance Costs: Initial furnishing costs at INR 2,50,000 per unit, though capital-intensive upfront, allow for a high degree of asset reuse over time, reducing recurring costs associated with new tenant onboarding. Monthly maintenance costs are kept minimal, averaging INR 3,500 per unit, demonstrating efficient expense control. Scaling up could reduce per-unit furnishing costs through bulk procurement strategies.
3. Tax Optimization Strategy: CampusNation’s decision to defer its tax vacation benefits until later years is strategically sound, enabling immediate capital retention. However, leveraging tax exemptions when growth has maximized operating revenues can enhance retained earnings in years when capital needs will be higher for expansion.

Net Operating Profit (NOP) and Cash Flow Stability

CampusNation's Net Operating Profit of INR 2,00,000 monthly yields a projected PAT of INR 1,50,000 per month (or INR 18,00,000 annually). Here are the key implications:

1. High Cash Flow Predictability: With a primarily rental-driven revenue model, CampusNation’s predictable cash inflows contribute to healthy monthly cash flow, vital for sustaining dividends to investors. The high NOP also enables efficient dividend distribution while still allowing for reinvestment in property expansion and improvement.
2. Reinvestment Potential for Scalability: Maintaining a robust NOP with a tax-resilient structure means CampusNation can strategically use retained earnings to enhance its market presence, add new units, and improve tenant experiences. Capital allocation toward technology enhancements, market reach, or cost-effective furnishing solutions could support growth with minimal equity dilution.

Key Financial Ratios and Insights

1. Operating Margin: An operating margin of ~27% reflects CampusNation’s efficiency in converting revenue into profit. This is favourable for attracting investors looking for high-margin returns in real estate-backed investments.
2. Cost-to-Income Ratio: With fixed and variable costs under control, the cost-to-income ratio remains low, further supporting net operating profits and enabling flexibility to adjust to market or cost variances, such as inflationary rent increases or utility costs.
3. Return on Investment (ROI): Assuming a steady occupancy rate and fixed costs, the return on investment for each property remains favourable. This strong ROI potential, demonstrated with low vacancy and high revenue reliability, should appeal to risk-averse investors seeking steady returns.

In conclusion, CampusNation’s well-structured business model shows promising financial potential, a sustainable growth path, and investor-attractive returns. By controlling operating expenses, leveraging tax optimization, and expanding revenue streams, CampusNation is well-positioned to scale its offerings profitably and expand its footprint in the Indian shared accommodation market. The alignment of operational efficiency with strategic investment models further strengthens its long-term market viability, making it a compelling opportunity for investors seeking stable returns backed by real assets.

Line of Business 

CampusNation operates in the real estate sector with a unique hybrid model focusing on shared accommodation and real estate investment solutions. The company’s two primary lines of business are tenant-focused shared accommodation services and investment-focused real estate models. Each component serves distinct customer needs while enhancing value through a synergy of secure, income-generating properties and targeted investment schemes.

Hey guys I’m from Pune and I had a couple of questions.

I’m watching the India vs New Zealand test match going on currently and I noticed 2 other flags apart from the Indian and Kiwi flags. One of them looked like the German flag. Does anyone have any idea what those are?

I got a notification for a challan. When I checked the images for the offence, I saw that the vehicle in the image is different from mine but with the same regn number. I raised a grievance about the challan. Are there any additional steps that I need to take in order to prevent complications in the future?

Hi! I need to dye a piece of clothing to make an exact shade.

Went to few matching centers, were not helpful.

Can you share place names for a trustworthy dye shop for Indian clothes?

Hi Guys, I’m meeting my long distance girlfriend for 3 days. We decided to stay around juhu, andheri, vile parle. This is also my first time coming to mumbai.

Please suggest some affordable stays and places to visit and things to do in mumbai. Also, I’m planning a date for her please suggest any nice date places around.

15,16, 17th nov are the dates. Accommodation budget is 2.5k per night

This is the 3rd incident that happened to me in the past 2 months, the chilli and lemon i ordered were literally molded with fungi. I usually buy my groceries from local vendors, but as i work in a night shift sometimes wake up late and in a hurry order things from zepto/instamart/blinkit and this is the 3rd times im getting something which is totally inedible. and when you reach out to chat support all they try to do is make you talk to ai until you repeatedly tell you want to talk to someone.

Once you reach a real person they will ask for pictures which once sent, theyll request to call you and then try to tell you to accept their inwallet cash, if you say you want it to source it will take you 3-7 days to recieve it back, and they take no accountability and blame the store directly without hesitation.

So this goes out to everyone who is ordering your veggies and fruits from quick commerce platforms, please avoid doing so, you have no clue how the veggies are stored. Instead I will suggest you to please go out to a street vendor and buy your groceries, they are one of the most sweetest people and try to converse with them about their hometown and you will find a beautiful story on how this vegetable infront of you comes to life.

Make a genuine connection and maybe this corporate void that half of the city feels will be solved one vegetable at a time.

Peace out ☮️

My beautiful people, How are you’ll doing?

I took an auto this evening and I was on a call with a friend, a random guy who I am certain was the auto driver’s mate said to the auto driver.

“Yeh kadak cheez ko kaha leke ja raha hai”

The weird thing is that I am a dude.

I can only imagine how filthy and deplorable girls feel when such things happen to them.

The end X.