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Content-led commerce: How ILN plans to transform the marketing game

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MUMBAI: The content industry is dynamic and inclusive. It not only has been the architect of the success stories of numerous brands but has also welcomed the creative community from every field to learn and thrive. Be it Red Bull or Myntra, these brands have metamorphosed into media outlets with full-fledged internal production support and have created amazing storylines to market their products.

But what will the paradigm shift be when media outlets and production giants start a new era where products will be created around content and not the other way around. Indiatimes Lifestyle Network (ILN) chief operating officer Angad Bhatia thinks that it will create a community of buyers who can express themselves the way they want to, standing at the nexus of reach and cultural influence. Thus, he is leading one of the most successful media companies, owning popular properties like iDiva, MensXP, and What’s Hot, in a whole new world of content-led commerce.

The trend of using content for commerce is not new and the content merchandising business is already quite a big hit not just in India but across the globe. Competitive brands like ScoopWhoop and PopXo are already in the business of selling their own merchandises. But what Bhatia is trying to do with ILN is quite bigger in scale.

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“Our ambition is to build full-stack businesses. Tomorrow, I foresee MensXP and iDiva have their own retail outlets, fitness chains, salons, and all unique services where the backbone is still media,” elaborates Bhatia.

While these ambitions are set for the future, ILN has taken its initial steps in creating a completely unique world of content-driven-commerce by creating its own range of grooming products for the millennial urban chic audience.

Some of the ranges it will be experimenting with are Butter (shaving), mud (men’s grooming), Basta (leather bags), iDiva beauty (women’s grooming), Viraam (apparel) and Mojama (socks). In fact, the mud products were recently soft-launched on the MensXP site.

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Apart from grooming and styling, ILN will also be creating products in men’s beauty segment, a part which is being tested by very few market players, that too only international ones. From soaps, face wash, shaving range, to foundations and concealers, this exquisite range of grooming products is expected to not only revamp the industry but also start a meaningful conversation around some pressing topics.

“We want to build a community where people not only align with our vision of entertainment but also to the undertone of the new India we want to create. This has been the undertone of our content as well. Today, if we put a video of a man getting ready for the office wearing foundation, there certainly is going to be debate around that in the comments section. I think it is important that as media brands we reach a certain scale where we can normalise these conversations. And on the back of that, we create an environment which is trustworthy, so that people can come, call it their own, and shop as well as get entertained,” shares Bhatia.

Bhatia believes that properties like MensXP, iDiva, and the newly launched What’s Hot have a natural proclivity towards commerce. They not only publish content around beauty products but the influencers in their videos also attract a lot of attention based on their styling. By getting into the e-commerce business, ILN will make sure that a person watching the video can buy the dresses, makeup, and all the grooming accessories from the same page and does not have to go anywhere else.

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“If you look at our videos, every third comment will ask where the influencer got her dress from. Beauty, fashion, and style have always been the undertone of everything that we build. We are a progressive brand and want to stand for whatever the people in new India desire. One always wants to know how one can be glamorous while being very real,” notes Bhatia.

He further adds, “We feel this is a very interesting vehicle for us to drive a lot of commerce not because we see it as a direct means to generate demand but also as a direct way to create a community of buyers who are really fed up of bad vendors on other shopping platforms. Also, these platforms are not built to amplify one’s way of living. I can’t say I am in love with one of these platforms because they stand for something. They are just easy to access and use, and are affordable. We always wanted to build a destination which will help people to accentuate their personality.”

Since the brand aims to create authentic and personalised experiences for its community, it has been working closely with the whole manufacturing process. It has roped in a team of cosmetologists, product designers, and specialists to create the products for its labels in-house. Bhatia showed Indiantelevision.com a dozen of prototypes just for the men’s razor at the product designer’s desk.

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Along with that, it is collaborating with some sustainable brands whose products will be showcased on its sites.  “I believe in karma. Thus, we are making sure that all the partners that we are working with don’t have any malpractices. In fact, they support the environment. We are trying to be zero-plastic. If you order something, it gets delivered in a cardboard box made of recycled paper,” explains Bhatia.

But ILN essentially being a media platform gets ads from companies and could lead to losing some partners if it starts its own products. However, Bhatia doesn’t believe so. “We have not seen that. In fact, people have their preferences. I have spent the last eight months creating a men’s grooming brand, we now have a skincare range, a haircare range, and everything. We have really poured all our data and passion into this brand. In fact, if you go to the Instagram page of mud, you will see it placed with a Forest Essential or Kama, brands which are genuinely doing great in the market.”

He continues, “I think that brands today are more inclusive. This is not a winner takes all category. There is space for everybody. It all boils to whoever has the better product, whoever has put in more love and attention, and whoever has listened to the audience. Our job is just to be true to what our audience is asking for. If they are screaming and shouting saying that we want a product which isn’t available in the market, we can’t force a brand to create that thing. The industry today is very democratised, much like content, and hence we are in a position to create that product for them.”

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While ILN and its properties are doing exceptionally well already, second to just Buzzfeed globally, with the launch of a completely new arm will arise the need for marketing its offerings.

On his marketing plans for ILN properties and their respective shopping arms, Bhatia says, “For me, marketing is a function of being omnipresent. The nature of our media business is such that we are already omnipresent. I believe that marketing is always going to be editorial-and content-led. And we have that advantage wherein we have spent the last few years building the relevance and reach for our platforms through our content. We, thus, don’t have to do traditional or even digital marketing per se to build brand reputation or awareness. We are lucky that we don’t need to promote the platform or the brand.”

He adds on, “However, I think we definitely will need support as we are looking to scale our e-commerce business. There are elements of digital marketing, performance marketing, and affiliate marketing, which we as publishers will also have to dive into to ensure that we are competitive with some of the biggest players in the market. We need to promote certain bare essentials of marketing and re-targeting platforms, beyond that we have no ambitions of marketing.”

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MAM

How to Find the Best Gold Loan with Low Interest Rates

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Gold has evolved from a traditional family heritage to one of the most effective instruments for high-speed liquidity in the rapidly changing financial world of 2026. With 22K gold prices remaining stable at ₹14,440 per gram and 24K gold hitting ₹15,752 per gram as of February 21, 2026, the Indian gold market is seeing a historic increase. A rather small quantity of jewels can now unleash significant cash due to their increased worth.

Finding the best gold loan, however, takes more than simply visiting the closest branch because there are several banks and NBFCs (Non-Banking Financial Companies) vying for your business. It necessitates a strategic grasp of how lenders set their product prices. The cost of borrowing in 2026 is no longer a “one-size-fits-all” number; rather, it is a variable that depends on your loan amount, the state of the market, and particular regulation slabs. You may make sure that you leverage your gold holdings at the best gold loan interest rates by taking a methodical approach.

Recognise the Tiered LTV Framework for 2026

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The Reserve Bank of India’s (RBI) introduction of tiered Loan-to-Value (LTV) criteria is one of the biggest changes. Depending on your unique financial needs, this policy directly affects which lender can provide you with the best gold loan.

The LTV limitations for 2026 are set up as follows:

  • Loans up to ₹2.5 Lakh: 85% LTV eligibility
  • Loans up to 80% LTV are eligible for those between ₹2.5 Lakh and ₹5 Lakh
  • Loans over ₹5 lakh are eligible for up to 75% LTV

You must match your borrowing with these levels to determine the lowest gold loan interest rate. Because there is less risk involved, a lender may frequently give a cheaper rate for a 75% LTV plan than for an 85% LTV plan. Choosing a lower LTV bracket is a tried-and-true method to get the finest gold loan conditions if you don’t require the highest amount of cash on hand.

Compare the Offerings of Banks and NBFCs

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The best gold loan is determined by your preference for quickness or cheaper cost. The service and pricing differences between ordinary banks and specialised gold lending NBFCs have grown.

Public and Private Banks: The interest rates on gold loans offered by public and private banks are often the lowest on the market, frequently beginning as low as 8.75% to 9.50% annually. Borrowers seeking a long-term or overdraft-like facility who already have a savings account will find it appropriate.

NBFCs: They are the industry leader in offering a genuine, rapid gold loan experience, even if their interest rates may be a little higher than those of banks. They are frequently the best gold loan option for urgent needs when speed surpasses a 1% yearly cost difference, thanks to doorstep services and quick disbursals.

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Make Use of Purity’s Power

The most potent “multiplier” in your loan computation is the karat of your jewellery. Lenders have shifted to highly standardised assaying procedures. Declaring high-purity materials helps you get a higher valuation and a better loan amount.

Make sure you are offering hallmarked jewels in order to receive the best gold loan. Because the collateral risk is essentially zero, hallmarked gold (BIS 916) lowers the lender’s uncertainty during appraisal and frequently enables them to provide a more alluring gold loan interest profile.

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Consider the Mode of Repayment

The best gold loan is one that doesn’t negatively impact your monthly cash flow. Below are a few repayment options you may consider:

  • Bullet Repayment: At the conclusion of the term, which is usually 12 months, you pay the whole amount. Although the cumulative interest cost of the gold loan may be somewhat greater, this is great for short-term liquidity.
  • Monthly Interest Payment: You just pay the interest each month; the principal is paid at the end. As a result, the monthly burden is minimal.
  • EMI (Principal + Interest): The most organised approach to loan closure is through EMI (principal + interest), which progressively lowers your principal and, as a result, your overall interest expense.

Use a computerised gold loan calculator to determine which option delivers the biggest savings before you sign the contract. Even a 0.5% change in the repayment schedule might save you thousands of rupees on a big loan in the expensive year of 2026.

Be Aware of Unexpected Fees and Penalties

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High administrative costs can occasionally be concealed by a low headline interest rate on gold loans. Searching for the finest gold loan requires you to consider the “Total Cost of Credit.”

  • Processing costs: For loans up to ₹3 lakh in 2026, several banks provide “Nil” processing costs.
  • Make sure valuation fees are clear and do not represent a portion of the loan balance.
  • Prepayment and Foreclosure Penalties: You shouldn’t have to pay a large penalty if you decide to end your gold loan early.
  • Late Payment Fees: Examine gold loan interest “steps up” if you fail to make a payment. Some lenders charge 2% monthly punitive interest on the past-due balance, which can easily get out of hand.

Conclusion

Finding the greatest gold loan in 2026 requires striking a balance between the historic worth of your gold, i.e., ₹14,440 per gram, and a lender who understands your desire for quickness and transparency. You may make sure that your gold is a bridge to your financial objectives rather than a burden by comparing the tiered LTV brackets and selecting a repayment schedule that corresponds with your income. The knowledgeable borrower usually prevails in a market where gold loan interest rates are more competitive than ever. Spend some time evaluating at least three lenders, confirming that they are in accordance with the RBI as of 2026, and confidently discovering the actual worth of your assets.

FAQs

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How much can I borrow in gold today, per gram?

The maximum credit amount for loans under ₹2.5 lakh (85% LTV) is around ₹12,274 per gram as of February 21, 2026, when 22K gold is valued at ₹14,440 per gram. Make sure your decorations are made of pure gold with minimal stone deductions to receive the greatest gold loan value.

Does my gold loan interest rate depend on my credit score?

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In general, no. The majority of lenders offering a quick gold loan do not significantly rely on your CIBIL score because it is a secured loan. However, with certain private banks in 2026, having a solid credit history might help you get greater loan amounts or “preferred” gold loan interest rates.

How can I figure out how much interest is due on a gold loan?

The straightforward calculation is as follows: Principal x Annual Rate x Tenure (in years). Many lenders include a best gold loan calculator on their smartphones for a more accurate 2026 figure. This tool automatically adjusts for your selected repayment method and particular LTV tier.

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In 2026, would I be able to obtain a gold loan for 18K jewellery?

Yes, most lenders accept 18K gold. However, the interest rate on the gold loan and the value per gram will be different because the purity is 75% as opposed to 91.6% for 22K. Before using the current market cost of ₹14,440 per gram, lenders first convert your 18K weight into a 22K equivalent.

If I close my gold loan early, will I be penalised?

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Prepayment penalties are not imposed by the majority of respectable lenders providing the best gold loan in 2026. However, if you end the loan nearly immediately after disbursement, some may demand a minimum interest payment of seven to fifteen days. Verify your agreement’s “Foreclosure” clause at all times.

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