Education
Car Loan vs Lumpsump Payments – Explained by Rohit Tripathi

Rohit Tripathi is an Entrepreneur who recently made a very interesting video on YouTube about why he took a car loan when other influencers are against it. He Runs a Channel on YouTube called, Retire with Rohit, where he speaks about Early Retirement and other things that would boost everyone’s financial knowledge.
His answer was purely mathematical.
People buy a car for many reasons, they can be genuine or just based on hobby. But the problem really happens when people buy cars when they have no money to afford it.
They end up taking loans that put stress on their finances and make their life difficult and put a big dent in any savings potential.
But what if you have money? Let’s say you have a few lakh rupees in your account and you want to buy a Car. This is where Rohit Tripathi comes in and explains, why you should take a loan for your car at a minimal interest of 8.6% and invest your money in an Index fund, or even an FD to earn more on your investment.
Due to the amortization schedule of Car Loans, the net interest you will pay on a 10 Lakh Rupees Car loan would be around 3.3 Lakhs over a course of 7 years.
However, 10 Lakh rupees invested in a Fixed Deposit at 7% will generate over 6 Lakhs in interest income over 7 years, even after tax deductions this interest income will be higher than the total interest paid on the car loan.
This calculation becomes even more exciting if the 10 Lakh is invested in an Index fund at 12% CAGR which makes it even more exciting as the value of this corpus more than doubles in 7 years, and thanks to Long term capital gain taxes, the taxation on this amount will be only 10%, compared to the 30% in case of FDs. (assuming you’re in the top tax bracket).
This strategy devised by Rohit which he used to buy his own car as well, holds true mathematically and is actually a good idea.
If you want to know more about it, consider watching his video about taking a car loan on YouTube, and it will clear your doubts.
Rohit Tripathi has a Research Analyst Certification from NISM (National Institute of Securities Markets), however the SEBI Registration is pending and he wants to get SEBI Registered in a couple of years. He doesn’t offer any financial services of investment advice, yet. To Contact Rohit, you can do so by visiting his website at retirewithrohit.com
Note – This article should not be considered financial advice, or encouragement to take any bank loans. Please do your own due diligence or speak to a registered advisor.
Education
CA Exams Postponed Due to Floods in Punjab and Jammu
The Institute of Chartered Accountants of India (ICAI) announced changes to the CA exams in May 2025.

The Institute of Chartered Accountants of India (ICAI) announced that the CA exams postponed due to floods in Punjab and Jammu. Heavy rainfall and flooding disrupted cities including Amritsar, Bathinda, Jalandhar, Ludhiana, Mandi, Gobindgarh, Pathankot, Patiala, Sangrur, and Jammu City. These conditions made daily life difficult and created major challenges for students preparing for exams. 🌧️
ICAI emphasized that student safety comes first. Therefore, they decided to postpone the exams until conditions improve. In their notice, ICAI also clarified that exam dates will not change if a public holiday is declared by either the central or state governments. This ensures consistency in planning.
Students were reminded to check updates regularly on the official website icai.org. Staying informed online is essential for anyone preparing for such important exams.
Meanwhile, the CA Foundation exams began today. These exams mark the starting point of a Chartered Accountancy career. ICAI has also released dates for the September 2025 Foundation exams, September 16, 18, 20, and 22. 📅
Importantly, ICAI holds these exams not only across India but also in nine international cities. The list includes Abu Dhabi, Bahrain, Thimpu, Doha, Dubai, Kathmandu, Kuwait, Muscat, and Riyadh. This reflects the global demand for the CA qualification.
Exam times remain synchronized with Indian Standard Time (IST). For example, Abu Dhabi, Dubai, and Muscat will start at 12:30 PM local time, matching 2:00 PM IST. Bahrain, Doha, Kuwait, and Riyadh begin at 11:30 AM local time, again aligning with 2:00 PM IST. In Kathmandu, exams start at 2:15 PM local time, while in Thimpu, the start is 2:30 PM local time, both corresponding with 2:00 PM IST. ⏰
Punjab frequently struggles with seasonal flooding, especially in Mohali and Chandigarh. Roads often suffer damage, making travel hard for residents. For students, these conditions bring extra pressure, affecting both preparation and access to exam centers.
By postponing, ICAI gave students a fair chance to appear without fear or obstacles. The decision provides relief and time for candidates to recover from the disruption. It also shows that academic institutions must balance strict schedules with compassion during crises.
As the weather improves, students will get another opportunity to perform at their best. Authorities encourage them to stay focused and continue preparing diligently.
In conclusion, the CA exams postponed due to floods highlights how ICAI prioritized safety while supporting students through difficult times. This decision ensures fairness and encourages resilience as candidates prepare for one of India’s toughest professional journeys. 🌈
Education
Chandigarh Teacher Parveen Kumari Honored with National Award
A Proud Moment for Chandigarh
Parveen Kumari, a dedicated teacher from Chandigarh, has been chosen for the National Teachers’ Award 2025.

Parveen Kumari Honored with National Award, marking a proud moment for Chandigarh as she joins just 45 teachers across India recognized this year. A Social Studies teacher at Government Model Senior Secondary School, Sector 20-B, she will be celebrated on September 5, 2025, at Vigyan Bhawan in New Delhi. The honor from the Ministry of Education carries a certificate, silver medal, and a ₹50,000 cash prize.
The Chandigarh Education Department expressed pride in her achievement, stating that the recognition reflects their transparent and fair nomination process. Director Harshuhinder Pal Singh Brar emphasized that her success validates their approach, while Secretary Prerna Puri noted that focusing on true contributions helps identify national role models.
For Parveen, the award is deeply personal. Overwhelmed with happiness, she shared her emotions in simple words, while her retired teacher parents felt immense pride. Her father, Pawan Kumar, praised her consistent dedication, and her mother, Naresh Kumari, reflected on their years of hard work. Her supportive husband Rajneesh, along with children Parth and Prachi, also celebrated the achievement.
Parveen has brought innovation into her classrooms. With advanced degrees in English, History, and MPhil, she introduced creative methods such as puppet shows, role-play, music, and dance to make Social Studies engaging. She built a Social Science Lab, set up a Herbal Nursery and Lily Pond, and shared over 150 resources on platforms like Diksha, PM Vidya, and Kishor Manch to support inclusive education.
Her influence extends beyond academics. Since 2018, she has led the Student Police Cadet (SPC) Program, empowering girls with skills like self-defense and road safety. As a Guide Captain, she has taken students to national and international jamborees and now serves as the State Training Commissioner, training educators to establish Guide units in schools.
Parveen also champions environmental causes. She spearheaded campaigns such as “Go Green Diwali” and “Herbal Holi,” along with anti-tobacco and substance abuse awareness programs. Recognized with several honors, including the Eco Warrior Award in 2024, her efforts earned praise from senior environmentalists.
Her dedication continues a family legacy in teaching, inspired by her uncle Om Parkash, a 2011 National Teachers’ Award recipient. Colleagues describe her as an all-rounder with a cheerful spirit, always ready to serve.
Ultimately, Parveen Kumari Honored with National Award symbolizes more than an individual achievement. It reflects her unwavering commitment to education, community, and environment, inspiring both students and teachers to pursue excellence and make a lasting impact.
Education
Ludhiana Teachers Frustrated by Technical Issues in Transfer Process
Problems with the Teacher Transfer Process
Teachers in Ludhiana are feeling frustrated. Their ability to select their new stations for transfers has hit a snag due to technical problems. T

Ludhiana teachers frustrated as their transfer process has been disrupted due to major technical glitches in the education department’s online portal. The department was forced to pause the selection of new stations after a flood of complaints, leaving educators anxious about their future and students’ learning.
The trouble began when teachers found that many options for new postings were missing on the portal, while others couldn’t access the link at all. On August 7, the department issued a notice confirming the temporary suspension of primary cadre station selection, promising to reopen on August 12 after fixing the issues. However, the disruption has already impacted schools, forcing staff changes mid-session.
Educators worry that such delays harm both teaching quality and classroom stability. According to Dharamjeet Singh Dhillon, district president of the Lecturer Cadre Union, students adapt to a teacher’s style in the early months, so sudden transfers can confuse both sides and disrupt syllabus coverage. He stressed that transfers should be finalized by June to ensure smooth functioning.
Adding to the uncertainty, a similar order was released for secondary teachers on August 8, but without a reopening date. This left teachers unsettled and school principals hesitant to approve moves, fearing staff shortages. Daljit Singh Samrala of the Democratic Teachers’ Front reminded that every teacher has the right to seek a transfer. He noted that union representatives even met the Director of Secondary Education, pressing for urgent solutions.
Teachers argue that this is more than a technical flaw, it directly affects classroom management and learning outcomes. Punjab’s education system has repeatedly struggled with online transfers, exposing deeper management problems. Mid-year shifts often hinder syllabus completion and unsettle students.
In Ludhiana, where schools already face pressure to maintain standards due to the city’s industrial environment, stability is crucial. Teachers now demand a fairer and more efficient system, with better communication from the department to avoid confusion.
Ultimately, the pause has highlighted systemic weaknesses that require immediate reform. Ludhiana teachers frustrated by these delays, want a reliable process that ensures both effective teaching conditions. And an uninterrupted academic journey for students.
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