Consumer VOICE

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Aakash Institute penalised for poor service

Convinced that Aakash Institute had failed to provide the services it promised, Ahmedabad consumer forum has penalised the institute and asked its Ambawadi branch of to pay Rs 20,000 to the complainant along with eight per cent interest from 14 September 2017 till the date of payment. It also asked the institute to […]

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Britannia fined for selling packet with less than printed weight

Ahmedabad consumer forum has fined Britannia Industries for selling biscuit packets that weighed less than what was printed on them. The forum also asked the company to deposit Rs 25,000 in the Consumer Welfare Fund as a fine and pay another Rs 6,000 to Lalji Patel, the complainant. Patel had moved the […]

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Arbitration agreements cannot oust the jurisdiction of consumer forums

In a recent judgement, the Supreme Court affirmed that arbitration agreements cannot oust the jurisdiction of consumer forums. The order will benefit homebuyers who usually have an arbitration clause in their agreements with the real estate companies. Such clauses lay down that in cases of disputes, aggrieved consumers will have to resort to […]

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Disputes Resolution under RERA Act 2016

A Guide for homebuyers on RERA Rules and RERA Complaints
The Real Estate (Regulation and Development) Act (RERA), which came into force on 1 May 2016, seeks to protect the interests of homebuyers as much as it hopes to boost investments in the real

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Beating Breast cancer

Breast cancer is the most frequently diagnosed cancer among women, and by 2020, seventy percent of all cases of breast cancer will occur in developing countries. An estimated 40,460 women will die of breast cancer in 2007
One might have heard a lot about

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Loving foods that love you back

Nutrition and health are much talked-about subjects but do we really make rational consumption choices in our everyday lives? Here are some foods that will do you good, and others that will make you overdraw on your body’s energy reserves
Ever really taken a

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Blood Pressure Monitors : Checking on your Health

Home blood pressure monitors are especially important for the elderly, pregnant women, diabetics and people with kidney disease. Experts recommend that if you are buying one, choose one with an upper-arm cuff, not a wrist or finger device, as they can be most inaccurate

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9 ways to eat healthier right now

Food marketers and fitness proponents, both are cashing in on the consumer anxiety and fetish with health. Yet, junk foods and several other foods with no nutrition are hogging shelf space in markets. From the health and environmental perspectives, there are foods that one

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A lot to loss

If you’re trying to slim down, you already know you need to cut calories. The results of a new study suggest that when it comes to losing weight, the timing of your meals and snacks may be just as important as the number of

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Is Soya Healthy?

Marketed as a super food with almost magical properties, soya protein is found in almost everything we eat. However, soya needs to be consumed with abundant caution
Soya has been touted as one of the wonder foods of the 20th and 21st century. The

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Wasting all that food

Think.Eat.Save. The people behind World Environment Day this year have most certainly deliberately left out the spaces between the words. Perhaps so that we make the connection between our food choices and the larger impacts of these choices—and realize that the connection is too

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A little science in the kitchen

How to make food—specially fresh produce—last long enough to be used up
Did you know that storing cabbage, cucumbers, and leafy vegetables alongside tomatoes and apples causes the greens to decay? This is because some foods are great ethylene-producers and quickly spoil other foods

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Chemical Cuisine

There is enough evidence to suggest that food additives and artificial colours cause harm to health and children are the worst-affected. In several countries, the use of food colours like ‘Sunset Yellow’ is either banned or regulated. But not so in India
We have

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Aman Anti Ragging Movement (Aman Kachroo) – A Case Study

‘My death will bring about a change’. And it did. These were the words of Amman Satya Kachroo, a student of Dr Rajendra Prasad Government Medical College, Kangra, Himachal Pradesh, in his suicide note. He had ended his life after being traumatized and depressed due to continuous ragging by his seniors. […]

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Builders can’t force buyers to go for arbitration or mediation

Here is some good news for buyers of real estate property. India’s Apex Court has ruled that real estate players cannot force buyers to settle their disputes through arbitration by stopping them from approaching consumer forums.  It is a well settled law that arbitration agreements do not bar the jurisdiction […]

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Anti Ragging Law and Ragging in University

Guidelines for Educational Institutes Against Ragging Ragging is not something new and inspite of the fact that it is a punishable offence, the practice continues to haunt not just students but also their parents, teachers as well as the law-and- order machinery. While we are all aware of the ills […]

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Bank Locker Insurance

Do you have a Bank Locker Insurance?
With your jewellery and valuables inside your bank locker you can have a goodnight sleep. Well that is what you think so? However, one gets to read about safe locker thefts frequently and who knows your safety

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Advantages and disadvantages of bank lockers

Bank lockers are one of the safest options to keep your jewelry and important papers safe. Safe lockers are made of high quality thick steel plates with screws fitted on them making it difficult for robbers to break open. But do you know what are

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Chemicals in your breakfast bread

It has been found time and again that processed and packaged food, however ‘natural, contains additives and chemicals that are controversial, or outright harmful to human health. Bread, that is the most common processed breakfast food, has a suspected tumour-causing additive, Potassium Bromate, in

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White Bread vs Brown Bread

Bread has become an important part of our plate.  A wide variety of options to select from in the market confuses us. White bread, brown bread, multi-grain bread are just few to choose from.  An aware consumer should know the difference between white and

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Types of water heaters and geysers

There are several type of water heaters and geysers available. Hence it is pertinent to know what suits your requirements.
Storage Tank Water Heaters
Cold water is heated and stored in a tank, ready to use anytime. It consists of a steel storage

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Refrigerator Buying Guide

Refrigerator is not a luxury in India, in fact it is a necessity and with the current situation, it is a saving grace for all. However, having a good frost free refrigerator can still be a confusing task. We are here to do away with all the confusion and help […]

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Types of Refrigerators

How to choose the Best Refrigerator
Refrigerator buying is a serious purchase where one should put a lot of thought in it. A refrigerator is not only an integral part of our lives and kitchen but it is one purchase which stays with us

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Refrigerator Storage – How to keep Food Safe in Refrigerator

Refrigerator food safety is an issue of great concern especially if one stores food for longer duration. Among a few important things to remember when it comes to refrigerator storage, one should know how to prevent spoilage and bacteria growth in the food. The goal of keeping food safe is

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Important Refrigerator Features

Are you thinking of a buying a new fridge? Before investing on a refrigerator, consider important refrigerator features since buying a good fridge is an investment where you do not want to go wrong. Selecting the right and best refrigerator is not a child’s

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Water Heater Buying Guide

If you are planning to buy a new water heater or geyser, you may very well end up being puzzled by the types of water heaters and geysers, models and sizes available. What you eventually choose will depend mainly on the purpose of the

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Tips for Hiring a Locker

We all know that keeping articles safe in a bank locker is the best possible way to keep your assets secured. But how to hire a safe locker that’s just right for you? What are the tips for hiring a locker? Though banks do

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What are the RBI Guidelines on Bank Lockers?

Do you think you really can have a sound sleep thinking your valuables are secured in safe deposit lockers? Well not really. The notification issued by the Reserve Bank of India or RBI on bank lockers clarifies that bank locker hirer in
India is

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What do Food Labels say?

Food Labels or Nutrition Labels or nutritional labeling serves as the main communication link between the manufacturer and the consumer. Through food nutrition labels, a manufacturer introduces the content of his product to the consumer. Food labels help the consumer to understand the nutrient

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Traffic Light Labeling System

Traffic Light Labeling System

In 2007, Food Standard Agency of UK developed a method of labeling food with a traffic light showing how much fat, sugar and salt are in that food. High Content (unhealthy) is shown by red, Medium (moderate) by amber and Low (healthy) by Green colors. Food with Green color is […]

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Recommended Dietary Allowance (RDA)

Nutrition is a basic human need and a prerequisite to a healthy life. A proper diet is essential from the very early stages of life for proper growth, development and to remain active. RDA represents the nutrients in terms of diets that should be

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Dietary Fiber: Types and Benefits of High Fiber Diet

Dietary fiber is commonly known as roughage or bulk. It includes the parts of plant foods our body can’t digest or absorb. Nutrients in food like fats, proteins or carbohydrates are broken down during digestion and absorbed by our body for its normal functioning. However, certain nutrients are not digested […]

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What are ULIP returns and why should I invest in ULIP?

The performance of various ULIPs or Unit Linked Insurance Plans, with reference to growth of units, depends on market forces as also the efficient management of investments by the appointed fund managers. Due to the ups and downs in the market based on demand/supply

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What is ULIP or Unit Linked Investment Plan?

ULIP or Unit Linked Investment Plan is a combination of insurance and investment. A portion of the premium paid by the policyholder is utilised to provide insurance coverage to the policyholder, while the remaining portion is invested in equity and debt instruments. The aggregate

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What are Associated ULIP charges?

Your ULIP policy may come with additional associated charges. Please read the terms and conditions carefully before opting for ULIP. These charges could be :

Premium allocation fee

The charge is imposed beforehand on the premium amount. It is a percentage of

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Cable TV Digitization

Cable TV Digitization Dark-and-Grey Patches Ahead
On the one hand, viewers are being told that cable TV digitization means real power to them – that they will now be able to choose and pay for only those channels that they want rather than having

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Food Fortification-Why do we need it?

Micro-nutrient deficiencies affect not only the poor. Less obvious but nonetheless important are the effects of today’s lifestyles in the developed world on nutritional status. There are increased food choices, yes, but low micro-nutrient densities. The hectic pace of life can lead to inadequacies in the diet, so that even […]

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What is Proprietary Food?

Proprietary food means an article of food that has not been standardized under Food Safety & Standards (Food Products Standards and Food Additives) Regulations 2011, but does not include any novel foods, foods for special dietary uses, foods for special medical purposes, functional foods, nutaceuticals  and health supplements. A food […]

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How to improve air quality in your home?

Fully insulated homes, with windows double-glazed and lofts lagged, save on energy costs. But this can also seal in the pollutants that are found in the home. These pollutants are created while cooking, from using cleaning products and toiletries, or from an open fire.

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Operating Cost of Air Filters

Electricity consumption is not the only running cost of an air filter. The real expense is the cost of replaceable filters. The bigger air-purifier filter costs about Rs 8,000 and has to be changed every 7 months or so; filter of a smaller one

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Types of Home Air Purifier

A good-quality air purifier will do a great job of cleaning the air in your home. The most helpful purifiers will do this automatically when they sense a dip in air quality. But there are plenty of home air purifiers that are not powerful

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Home Air Purifier – Important Terms to know

Point to consider

Of primary concern are the other aspects of air cleaners including hazardous gaseous byproducts, noise level, frequency of filter replacement, and electrical consumption. Ozone production is typical of air-ionizing purifiers. Although a high concentration of ozone is dangerous, most air

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Adults shouldn’t have to wear diapers

Even though it does not get a ton of mainstream press, Urinary Incontinence is more prevalent than most people think… and it’s definitely no laughing matter. Call it a weak, leaky or overactive bladder… Urinary Incontinence affects many people around the world. Urinary incontinence

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NBFC Home Loan Interest Rates

Below are the Lending Rates and Interest Rates of NBFC (Non Banking Financial Companies)
MCLR
RBI governs the lending rates in India for financial transactions by financial institutions. Earlier, RBI used to decide the base rate and all FIs would follow that rate

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Features and Home Loan eligibility from an NBFC

Home Loan Eligibility
NBFCs (Non Banking Financial Companies) base their home loan elgibility criteria on the borrower’s profile, which is defined by the following:

Age
Monthly income (gross and take home)
Spouse’s income
Assets and liabilities
Stability of occupation
No. of dependents
Savings

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Home Loan Insurance from NBFCs

Almost all NBFCs (Non Banking Financial Companies) insist on insurance cover on the property mortgaged for a home loan, to deal with unforeseen calamities (fire, earthquake, floods, etc.). In fact, borrowers who avail a home loan against property mortgaged to the NBFC should also go in for life insurance (loan-secured […]

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Do you believe in Ayurveda?

Ayurveda may be the worlds most ancient system of medicine and healing, but its revival in the 21st century will depend on whether the system can have state-of-the-art research and development facilities. With multi-billion dollar pharmaceutical companies giving Ayurveda tough competition, Ayurvedic drugs will

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Salty Health

Reducing salt intake may help manage blood pressure and prevent water retention. If you are taking medication for these conditions, it is still important to reduce salt intake to help the medication work more effectively.
Pregnant women should not restrict the amount of sodium

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To Your Health

Consumer VOICE brings you a quick – ready reckoner for the food we all consume every day, but what is needed is some planning, mixing and matching to meet your specific health needs. It is good to know which food does what for you and to

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The Wild Side – Where’s the Eco-Tourism

The ‘wild side Wheres the ‘eco in eco-tourism?

Eco-tourism’ and ‘wild-life’ tourism are now in, but they have their own inherent and hidden dangers. If eco-tourism suffers from ‘green-washing’, where just a few token actions count for ‘eco-tourism’; wildlife tourism is even more

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Make your diet starve cancer

A multitude of antioxidants and phytochemicals in fruits, vegetables, and legumes are being studied intensely by cancer experts as a result of some promising studies showing these foods anti-cancer properties. This research is leading people to believe that a vegetarian diet may be one

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FOOD SNIPPETS

DRINK MILK TO BOOST BRAIN POWER
No matter how old you are, drink at least a glass of milk everyday if you want to sharpen your mental skills, say researchers of University of Maine.
A new study has claimed that drinking a glass of

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Stevia

Stevia:Natural alternative to artificial sweeteners

Stevia is a genus of about 240 species of herbs and shrubs in sunflower family. Stevia is widely grown for its sweet leaves. As a natural sweetener and sugar substitute, stevia’s taste has a slower onset and longer duration

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Pesticide in Food

How to Minimize Pesticide Residues in Food?
On the one hand, pesticides play an important role in making sure there is enough food for everyone, by protecting food and crops from pests (insects, weeds and fungal diseases). On the other hand, the concern about

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Bt Brinjal : Temporary Relief

Temporary Relief
The questions about GM technology that are relevant to consumer safety, whether they be farmers or average consumers are the concern of consumer organizations like VOICE. The very first one of these is: Are genetically modified crops safe to consume , especially

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Buying Organic Food on a Budget

There are plenty of studies in scientific journals about the damaging effects of chemicals in our food, but it is also true that finding organic produce on a budget is quite difficult. The reality is that currently most organic products come at a premium

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Eating Right

Eating Right in Our Busy Lives
At home, at work, at play, life has become really fast-paced for all of us. There is little time to pause and think about mundane things like what should we eat for the next meal. Most of us

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Anti-Dumping Norms

Banned Sub-Standard Spurious Medicines
Indian Healthcare sector has come a long way, being almost non-existing during 1970’s to a prominent provider of health care products, meeting almost 95% of country’s pharmaceutical needs and is expected to become a US$280 billion industry by 2020.
Indian

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A Thought – Environment Protection

Environment Protection Begins at My Home
There is a picture of Abraham Lincoln, which, if seen closely, seems like individual dots, but if you see it from a little distance the image of Abraham Lincoln is visible. Many of us are caught up in the

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Indian Consumers: Born Violators

It would not be wrong to say that most consumers in India are actually anti-environment. The credit-card toting, mall-roaming affluent urban Indian is least bothered about how his consumption patterns harm the environment. The billions of plastic bags being disposed off into the landfills

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Are you addicted to sugar foods?

Ever wondered why it is so difficult to give up chocolates or stop craving for your favourite doughnut? Why do we feel drawn to that sugary drink despite being completely aware that it’s unhealthy? The answer could lie within our complex brain setup.

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Bank with Care

Even if you have deposited cash with your bank in the prescribed format, with a valid counter-foil, there can be a freak chance that the money may not appear in your account. Therefore it is important to keep one’s guard up with every

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Insuring against Tsunami

In the wake of the recent tsunami that hit Japan and the 2004 tsunami that devastated the coastal areas of India, a question has arisen- if an insurance coverage is available in India? However, in India tsunami’s has been reported as far back as

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