| Page No. | Heading | 
|---|---|
| 1. | Editor's NoteSailing Financial Disruption with Comprehensive Financial Advisory Solutions DeliverabilitySamrat Pradhan, Managing Editor | 
| 12 | 
                                                                                        India's Stock Market Outlook: Opportunities and Risks
                                             Sethurathnam Ravi, Founder at Ravi Rajan & Co. | 
| 22 | 
                                                                                        Navigating digital lending dynamics: Key considerations for Low Credit Score Borrowers
                                             Ranjan Kumar, Head of Finance & Accounts, FincFriends | 
| 32 | 
                                                                                        New-to-Credit Customers Emerge as Catalyst of Financially Inclusive Ecosystem
                                             Artem Andreev, Country Head, RupeeRedee, FincFriends & DFI |