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By:

Quaid Najmi

4 January 2025 at 3:26:24 pm

YouTuber challenges FIR, LoC in HC

Mumbai : The Bombay High Court issued notice to the state government on a petition filed by UK-based medico and YouTuber, Dr. Sangram Patil, seeking to quash a Mumbai Police FIR and revoking a Look Out Circular in a criminal case lodged against him, on Thursday.   Justice Ashwin D. Bhobe, who heard the matter with preliminary submissions from both sides, sought a response from the state government and posted the matter for Feb. 4.   Maharashtra Advocate-General Milind Sathe informed the court...

YouTuber challenges FIR, LoC in HC

Mumbai : The Bombay High Court issued notice to the state government on a petition filed by UK-based medico and YouTuber, Dr. Sangram Patil, seeking to quash a Mumbai Police FIR and revoking a Look Out Circular in a criminal case lodged against him, on Thursday.   Justice Ashwin D. Bhobe, who heard the matter with preliminary submissions from both sides, sought a response from the state government and posted the matter for Feb. 4.   Maharashtra Advocate-General Milind Sathe informed the court that the state would file its reply within a week in the matter.   Indian-origin Dr. Patil, hailing from Jalgaon, is facing a criminal case here for posting allegedly objectionable content involving Bharatiya Janata Party leaders on social media.   After his posts on a FB page, ‘Shehar Vikas Aghadi’, a Mumbai BJP media cell functionary lodged a criminal complaint following which the NM Joshi Marg Police registered a FIR (Dec. 18, 2025) and subsequently issued a LoC against Dr. Patil, restricting his travels.   The complainant Nikhil Bhamre filed the complaint in December 2025, contending that Dr. Patil on Dec. 14 posted offensive content intended to spread ‘disinformation and falsehoods’ about the BJP and its leaders, including Prime Minister Narendra Modi.   Among others, the police invoked BNSS Sec. 353(2) that attracts a 3-year jail term for publishing or circulating statements or rumours through electronic media with intent to promote enmity or hatred between communities.   Based on the FIR, Dr. Patil was detained and questioned for 15 hours when he arrived with his wife from London at Chhatrapati Shivaji Maharaj International Airport (Jan. 10), and again prevented from returning to Manchester, UK on Jan. 19 in view of the ongoing investigations.   On Wednesday (Jan. 21) Dr. Patil recorded his statement before the Mumbai Police and now he has moved the high court. Besides seeking quashing of the FIR and the LoC, he has sought removal of his name from the database imposing restrictions on his international travels.   Through his Senior Advocate Sudeep Pasbola, the medico has sought interim relief in the form of a stay on further probe by Crime Branch-III and coercive action, restraint on filing any charge-sheet during the pendency of the petition and permission to go back to the UK.   Pasbola submitted to the court that Dr. Patil had voluntarily travelled from the UK to India and was unaware of the FIR when he landed here. Sathe argued that Patil had appeared in connection with other posts and was not fully cooperating with the investigators.

Investing 101: A Simple Guide for Young Indians

Contrary to popular belief, everyone can invest, no matter how small the starting amount.

AI generated image
AI generated image

Many young Indians believe investing is only for high earners, but that isn’t true. Anyone can begin with even a small amount. Investing simply means helping your money grow over time, and starting early gives it more time to multiply. This article explains investing in simple language so every young person can understand it.


1. What Is Investment?

Investment means putting your money in a place where it can grow. Instead of keeping money idle in a bank savings account or spending everything, you allow your money to earn returns. The purpose of investing is to build wealth, secure your future, and achieve your long-term goals. Investment also protects your money from inflation, which reduces the value of money every year.


2. Why Should Young People Start Early?

Starting early gives your investments more time to grow through compounding, where your returns also earn returns. Even ₹500 a month can become a large sum over 15–20 years. Young people have fewer responsibilities, making it easier to save. Early investing also builds discipline and reduces financial pressure later in life.


3. How Much Money Is Needed to Start?

You do not need a large amount of money to begin. Many mutual funds allow SIPs starting from ₹500 or even ₹100 per month. What matters is not how much you start with but how consistently you continue. Once your income increases, you can increase your investment amount. Small and regular investments are more powerful than large but irregular investments.


4. Basic Rules of Safe Investing

Start small and increase your investment gradually. Never invest in something you don’t understand, and avoid schemes promising quick or guaranteed returns. Keep an emergency fund before you begin. Focus on long-term investments rather than quick profits, and use only trusted banks, apps, and government-backed platforms to stay safe.


5. Where Can Beginners Start Investing?

One of the best options for beginners is a mutual fund SIP. A SIP allows you to invest a fixed amount every month. Your money is managed by professional fund managers and gets invested across many companies, which reduces risk. SIPs give good returns over the long term and are easy to start through mobile apps.


Index funds are another excellent choice. They follow the Nifty 50 or Sensex and grow with the Indian economy. They are low-cost and simple to understand.


Bank fixed deposits are very safe and offer guaranteed returns, although the returns are lower compared to mutual funds.


Public Provident Fund (PPF) is a government-backed option that is extremely safe. It is ideal for long-term goals like retirement because it offers good returns with tax benefits, though it has a 15-year lock-in period.


Gold and digital gold are also safe investments. They protect your money during inflation and market downturns, but they should be only a small part of your portfolio.


Investing in individual stocks can give high returns, but the risk is also high. Beginners should learn slowly and start with mutual funds first before entering the stock market.


6. How to Start Investing Step-by-Step

Set a simple monthly savings goal and open an investment account through your bank or a trusted app. Start a SIP with ₹500 or ₹1,000 a month and choose long-term mutual funds. Stay consistent and raise your SIP each year as your income grows. Review your investments only once a year, and keep investing through market ups and downs—consistency builds wealth.


7. Common Mistakes Beginners Should Avoid

  • Do not invest blindly based on advice from friends or social media.

  • Do not expect quick money or unrealistic, high returns. 

  • Do not stop your SIP when the market falls; this is the best time to buy units at lower prices. 

  • Avoid putting all your money in a single investment.

  • Always keep an emergency fund to handle unexpected situations. 

  • Do not check your investments daily, as it creates unnecessary stress.


8. Benefits of Investing Early

Investing early helps you build wealth without pressure. It supports future goals like education, a home, travel, marriage, or retirement. Early investing brings stability and confidence, protects you in emergencies, and reduces stress. It also builds strong money habits that last a lifetime.


Investing isn’t difficult, and it doesn’t require a lot of money. What matters is starting early and staying consistent. Even ₹500 a month can become a strong financial base. Young Indians have the advantage of time, and they should use it wisely. With simple steps, safe options, and discipline, anyone can achieve financial security. Your wealth journey begins with one small step—start today.


(The writer is a Chartered Accountant based in Thane. Views personal.)

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