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The Hindu
5 hours ago
- Business
- The Hindu
Over 39,000 unemployed youths get ₹11.70 lakh in allowance under Yuva Nidhi
The Yuva Nidhi scheme, meant to provide the unemployment allowance to the youths, has made a significant financial help to unemployed youths in Yadgir district, according to a press release by the District Employment Office on Friday. As many as 39,132 unemployed youths have got ₹ 11.70 lakh in unemployment allowances to their respective bank accounts through DBT. As many as 89 degree colleges, five diploma colleges, and one engineering college have been identified to cover the benefits. The eligible unemployed youths who passed degrees and master's degrees will get ₹3,000, and those who passed diplomas will get ₹1,500 per month. The benefit will extend for two years after six months period of passing degrees and diplomas. The unemployment allowance will be stopped once the eligible student has succeeded in getting job. The candidate should himself or herself inform the department if they get a job, and those who didn't get jobs should submit a self-declaration about the job status through the web at within the 25th date of each calendar month. The youths should get in contact with the district employment officer in district employment exchange office, at the numbers 08473 253718 and 18005997154.
Time Business News
a day ago
- Health
- Time Business News
The Role of Counseling in Addiction Recovery
Addiction is a multifaceted adversary—biological, psychological, and spiritual in its reach. It dismantles identity, disrupts relationships, and erodes one's internal compass. In the storm of this affliction, counseling emerges not merely as a tool, but as a lifeline. It offers structure amid chaos, clarity amid confusion. While detox may address the physical dependency, counseling targets the root. It interrogates the voids people attempt to fill with substances. It reframes the narrative from shame to self-compassion. Within the therapeutic space, true recovery begins to germinate. Empowering Minds Through Practical Change In recent years, therapy options have become more accessible and tailored to individual needs. One effective approach gaining widespread recognition is cognitive behavioral therapy New Jersey clinics offer. This form of therapy focuses on identifying and reshaping negative thought patterns to improve emotional well-being and behavior. Whether addressing anxiety, depression, or everyday stress, licensed professionals use evidence-based techniques to support clients in achieving meaningful change. Sessions often involve goal setting, mindfulness practices, and skill-building exercises. With flexible in-person and virtual appointments, residents can easily access these transformative services and begin the journey toward lasting mental wellness. Understanding Addiction as a Chronic Disorder Addiction is not a lapse in character—it is a chronic brain disorder marked by compulsive behavior and persistent use despite adverse consequences. Dopaminergic disruptions in the brain's reward circuitry drive the cycle, blunting natural pleasures and reinforcing self-destructive patterns. Psychological and social triggers—trauma, anxiety, alienation—often serve as the ignition point. Counseling aims to unearth these subterranean forces and bring them into the light of awareness. Only then can individuals start to heal the wounds they once tried to numb. Types of Counseling in Addiction Recovery A single counseling approach rarely suffices. Recovery requires a constellation of methods tailored to individual needs. Individual Therapy offers a private arena for exploring the deepest fissures of one's experience. Here, counselors help clients dissect patterns, reframe thoughts, and set achievable goals. Group Counseling creates a microcosm of society where accountability thrives. Individuals are often surprised by the comfort of shared struggle and the power of communal insight. Family Therapy mends the relational collateral of addiction. It provides a space to rebuild trust, establish boundaries, and foster mutual understanding. Specialized approaches like Cognitive Behavioral Therapy (CBT) dissect thought distortions, Dialectical Behavior Therapy (DBT) improves emotional regulation, and Eye Movement Desensitization and Reprocessing (EMDR) addresses trauma—the silent engine behind many addictions. The Therapeutic Relationship: Foundation of Healing The heart of counseling lies not in technique but in the relationship itself. A client's willingness to be vulnerable blooms only when they feel genuinely seen and unconditionally accepted. This bond, often the first healthy connection someone has formed in years, becomes the scaffolding for reconstruction. Trust is not given—it is cultivated. Through consistency, respect, and attuned listening, therapists become steady beacons in turbulent recovery journeys. Empathy, wielded skillfully, becomes a surgical instrument for psychological healing. Counseling as a Tool for Behavioral Change Change does not begin with willpower—it begins with insight. Counseling helps individuals identify the habits and thought loops that perpetuate substance use. It cultivates mindfulness and emotional intelligence, teaching clients to pause, reflect, and respond rather than react. Through guided introspection, people learn to develop new coping strategies. They begin to replace impulsivity with intentionality, dependence with self-efficacy, and chaos with rhythm. These behavioral shifts, though gradual, are the true bedrock of sustainable recovery. The Role of Counseling in Preventing Relapse Relapse is not failure; it is feedback. Yet, with proper planning, many instances can be prevented. Counselors work collaboratively with clients to build tailored relapse prevention strategies. These plans identify high-risk situations, emotional triggers, and exit strategies. Importantly, counseling continues beyond the acute phase of recovery. It provides long-term maintenance, offering clients a place to process setbacks and reinforce progress. Recovery is not a finish line—it is a lifestyle shift that requires continual recalibration. Integrating Counseling with Other Recovery Supports Counseling is most effective when embedded within a broader recovery ecosystem. Medication-Assisted Treatment (MAT) addresses cravings and stabilizes neurochemical imbalances, while therapy targets behavioral and emotional restoration. Peer support programs, including 12-step groups, offer experiential wisdom and solidarity. Counseling complements these community-based tools by delving deeper into the psychological terrain. Together, they form a synergistic framework that enhances recovery outcomes. A Pathway to Lasting Recovery Individuals struggling with crack cocaine addiction in New Jersey can find hope and healing through specialized treatment options tailored to their unique needs. A crack cocaine treatment program in New Jersey typically includes medical detox, behavioral therapies, and aftercare planning to support long-term recovery. These programs often incorporate individual and group counseling, relapse prevention strategies, and holistic approaches that address both the physical and emotional aspects of addiction. With experienced professionals and evidence-based methods, treatment centers in the state provide a safe and structured environment to help individuals regain control of their lives and move forward with confidence. Conclusion Counseling is not an adjunct—it is a cornerstone of addiction recovery. It confronts the inner disarray that fuels substance use and equips individuals with the tools for transformation. Through a combination of insight, emotional support, and behavioral guidance, counseling enables the reclamation of identity and purpose. TIME BUSINESS NEWS
The Print
a day ago
- Business
- The Print
Sitharaman ask fintechs to find solutions to prevent digital arrests, cyber frauds
She said it is important to ensure that startup companies come up with solutions so that people are not arrested at home digitally, or fly-by-night operators do not take their money. Speaking at the Digital Payments Awards 2025 ceremony here, the minister credited fintechs with helping speed up financial inclusion and taking the payment system to even the far-flung areas of the country. New Delhi, Jun 18 (PTI) Finance Minister Nirmala Sitharaman on Wednesday asked fintech startups to come out with solutions to deal with the rising incidence of digital arrests, cheating by fly-by-night operators, and other kinds of cyber frauds. Another major threat, Sitharaman pointed out, is deepfake technology, which is causing a lot of damage to the public in large. 'Today, we should take care in addressing them so we need a set of fintech companies which are constantly working to give solutions for the newer challenges which are arising,' she said. She also called upon the fintech sector to further expand the digital lending facilities to the key MSME sector. Indian fintech innovations have the potential to become global public goods that can benefit other emerging and developed economies. This will open new markets for Indian firms, she added. International merchant payments through UPI are now accepted at select merchant outlets in seven countries — Bhutan, France, Mauritius, Nepal, Singapore, Sri Lanka and the UAE. 'Our players must aim to export our successful models abroad and capture global markets. We have the talent, we have the market scale and we have the proven solutions,' she said. This, she said, will open up new markets for domestic firms. The Indian fintech market is projected to grow to over USD 400 billion by 2028-29. 'That's not too far away. Just three years. Reflecting on an anticipated annual growth of 30 per cent, the scale of opportunity is immense. I firmly believe its best chapters are yet to be written. 'Together, let us innovate, include, and inspire. Innovate new solutions fearlessly, include every citizen in your vision, and inspire the world with what India can achieve,' she said. Noting that India now actually accounts for almost half of all real-time digital transactions in the world, she said, direct benefit transfer (DBT) has saved a lot of money by plugging leakages. About Rs 44 lakh crore have been transferred through DBT since 2014 and Rs 3.48 lakh crore have been saved. The minister said the speed at which innovation is happening in India is just a dream for many other countries. 'Several advanced countries are nowhere close to the kind of momentum our fintech companies have achieved, not just in terms of progress in their respective areas but also in creating entirely new paradigms. 'This is something which is very unique of the Indian fintech sector,' she added. A World Bank study found that India achieved a financial inclusion rate of 80 per cent in just six years through Digital Public Infrastructure (DPI), Sitharaman said. Some observers who have gone through this report have said that this feat would have otherwise taken nearly 50 years, she said. On customer service, she said the future of finance will be 'Phygital' — physical and digital — so it is important to leverage the reach of technology as well as have physical presence, to serve customers better and build trust over time. Speaking on the occasion, Minister of State for Finance Pankaj Chaudhary highlighted the foundational role of the banking sector and fintechs in powering India's digital financial transformation. He underlined that banks have built infrastructure and trust while fintechs have driven innovation and user-centric design together, making digital payments an everyday reality. Financial Services Secretary M Nagaraju said in his address that India's digital payments sector has grown exponentially in the past few years. In FY 2024-25, UPI achieved a landmark 18,587 crore transactions amounting to 261 lakh crore. This growth is a result of innovation and user-centric approach. PTI DP NKD DIV DIV This report is auto-generated from PTI news service. ThePrint holds no responsibility for its content.
The Print
2 days ago
- Business
- The Print
Sitharaman ask fintechs to find solutions to prevent digital arrests, cyberfrauds
Speaking at the Digital Payments Awards 2025 Ceremony here, Sitharaman said it is important to ensure that startup companies come up with solutions so that people are not arrested at home digitally, or fly by night operators don't take away their money. Lauding the success of fintechs, the Finance Minister said they have helped in speeding up financial inclusion, and taking the payment system to even the far-flung areas of the country. New Delhi, Jun 18 (PTI) Finance Minister Nirmala Sitharaman on Wednesday asked fintech startups to come out with solutions to deal with the rising incidence of digital arrests, cheating by fly-by-night operators, and other kinds of cyberfrauds. Another major threat, she pointed out, is 'deep fake', which is causing a lot of damage to the public in large. 'Today, we should take care of addressing them so we need a set of fintech companies which are constantly working to give solutions for the newer challenges which are arising,' Sitharaman said. She also called upon the fintech sector to further expand the digital lending facilities to the key MSME sector. Sitharaman further said Indian fintech innovations have the potential to become global public goods that can benefit other emerging and developed economies. This will open new markets for our firms. International merchant payments through UPI are now accepted at select merchant outlets in seven countries, including Bhutan, France, Mauritius, Nepal, Singapore, Sri Lanka and the UAE. 'Our players must aim to export our successful models abroad and capture global markets. We have the talent, we have the market scale, and we have the proven solutions,' she said. This, she said, will open up new markets for domestic firms. Indian fintech market is projected to grow to over USD 400 billion by 2028-29. 'That's not too far away. Just three years. Reflecting on an anticipated annual growth of 30 per cent. The scale of opportunity is immense. I firmly believe its best chapters are yet to be written. 'Together, let us 'Innovate, Include, and Inspire'. Innovate new solutions fearlessly, include every citizen in your vision, and inspire the world with what India can achieve,' she said. Noting that India now actually accounts for almost half of all real-time digital transactions in the world, she said direct benefit transfer (DBT) has saved a lot money by plugging leakages. About Rs 44 lakh crore have been transferred through DBT since 2014 and Rs 3.48 lakh crore have been saved. The Minister said the speed at which innovation is happening in India is just a dream for many other countries. 'Several advanced countries are nowhere close to the kind of momentum our fintech companies have achieved, not just in terms of progress in their respective areas, but also in creating entirely new paradigms. This is something which is very unique of the Indian fintech sector,' she said. A World Bank study noted that through Digital Public Infrastructure (DPI), India achieved an 80 per cent financial inclusion rate in just six years. Some observers who have gone through this report have said that this feat would have otherwise taken nearly 50 years, Sitharaman said. PTI DP NKD CS NKD MR This report is auto-generated from PTI news service. ThePrint holds no responsibility for its content.
India Gazette
2 days ago
- Business
- India Gazette
Nearly 700 entities join account aggregator system; 15 crore accounts linked: Sitharaman
New Delhi [India], June 18 (ANI): Union Finance and Corporate Affairs Minister Nirmala Sitharaman on Wednesday said that in just 3 years, nearly 700 entities as of Financial Year (FY) 2025 across banking, insurance, securities, and pensions have joined the Account Aggregator (AA) platform, up from only 24 in FY22. Addressing a gathering at the Digital Payments Awards 2025 in New Delhi, Sitharaman noted the surge in adoption of the AA platform--a consent-based data-sharing framework aimed at improving access to financial services. The number of accounts linked through AA has soared to over 15 crore, compared to just 1.5 lakh in FY22. Highlighted the rapid digital transformation in India's financial ecosystem, Sitharaman said that the expansion of AAs platforms has facilitated loans worth over Rs 88,700 crore and empowered nearly 1 crore users to manage their personal finances more efficiently while significantly lowering onboarding costs for financial intermediaries. 'The number of accounts linked through AA has soared to over 15 crores, compared to a mere 1.5 lakh in FY22 - driving loans worth over Rs 88,700 crore and empowering nearly 1 crore personal finance management users, while lowering onboarding costs for intermediaries,' Sitharaman said. The Finance Minister also highlighted the success of Direct Benefit Transfer (DBT) in transforming welfare delivery. Since its inception in 2014, nearly Rs 44 lakh crore has been transferred through DBT, ensuring full transparency in government transfers and schemes. The government has saved Rs 3.48 lakh crore by eliminating leakages due to the integration of digital infrastructure and real-time Aadhaar-enabled systems, she added. Finance Minister further added, 'Every fintech firm should view rural India as a fertile ground - not just as a social responsibility but as an opportunity to create new markets.' Concluding her address, Sitharaman encouraged fintech firms to look beyond urban markets. 'Rural India is not just a social responsibility. It is a fertile ground for innovation, inclusion, and opportunity. The next big wave of growth lies in Bharat beyond the metros.' During the Fintech Payments Award 2025, the major fintechs PhonePe, PayTm, and Google Pay got the first, second and third places as the leaders in the offline digital payments acceptance infrastructure category. Punjab National Bank, Bank of Baroda and Uco Bank received the first, second and third positions under the public bank category, while HDFC Bank, City Bank and IDFC Bank were winners of the private bank category. Equitas Small Finance Bank and India Post Payments Bank were recognised as the players redefining financial access and inclusion at the grassroots level. Under the fraud prevention and grievance redressal category, Canara Bank and Yes Bank were awarded as a special mention while WhatsApp Meta, Navi, and Mobikwik jointly shared the first spot, and Jupiter Money and FamApp received the award under the third-party App Providers (TPAPs) category.
