MAM
Tanishq launches ‘Hues’ natural gemstone jewellery collection
Bollywood star Triptii Dimri fronts new campaign for Akshaya Tritiya.
MUMBAI: Tanishq has decided to add some serious colour to this Akshaya Tritiya and it’s doing so with a sparkling new collection that lets every woman paint her world her way. The Tata-owned jewellery brand has unveiled its latest campaign featuring Bollywood sensation Triptii Dimri, centred on its fresh ‘Hues’ collection of 100 per cent natural gemstone jewellery. The campaign cleverly positions natural gemstones as a powerful form of self-expression, celebrating how jewellery can mirror a woman’s mood, individuality and evolving personal style.
Conceptualised by Lowe Lintas, the film opens in a charming cobblestone square frozen in muted, neutral tones. As Triptii Dimri chooses a vibrant piece from the ‘Hues’ collection, the world around her bursts into rich, lively colours transforming storefronts, people and the entire scene into shades that reflect her choice. The narrative uses colour as a metaphor for how modern women are embracing fluid, emotion-led styling over rigid conventions.
Crafted in 18kt gold and inspired by the vibrancy of an Indian summer, the ‘Hues’ collection features exceptional natural gemstones including emeralds, amethysts, citrines, tourmalines and tanzanites. The designs incorporate sculptural silhouettes, cabochon cuts, bunching and layering techniques that create depth, luminosity and movement.
Titan Company Limited Pelki Tshering, Chief Marketing Officer of , said the collection marks a bold new chapter for Tanishq. “With ‘Hues’, we are responding to the evolution of the Tanishq woman who is increasingly expressive and drawn to jewellery that reflects her individuality,” she noted. “Triptii Dimri embodies this shift effortlessly.”
Triptii Dimri added, “The campaign captures that simple, instinctive feeling of choosing something based on your mood and how that choice can transform everything around you.”
The ‘Hues’ collection starts from Rs 30,000 and is designed for both everyday wear and special occasions. To mark Akshaya Tritiya, Tanishq is offering up to 20 per cent off on making charges, a flat Rs 201 off per gram on gold jewellery, the Festival of Exchange for upgrading old gold, and Best Gold Rate protection.
From muted greys to vibrant emeralds and citrines, Tanishq’s new campaign shows that when a woman chooses her jewellery, she doesn’t just accessorise, she colours her entire world. This Akshaya Tritiya, the brand is inviting every woman to write her story in her own vibrant hues.
Most business owners treat their working capital limit like a safety net. It sits there, attached to their current account, ready to be drawn on whenever cash gets tight. And for routine operations, that arrangement works fine. But there are specific situations where a lump-sum loan disbursed quickly into your account is the smarter financial move. Knowing when to pick one over the other can save you real money and keep your business from getting stuck.
The Fundamental Difference People Overlook
A working capital limit, often structured as an overdraft or a revolving credit facility, gives you access to funds up to a pre-approved ceiling. You draw what you need, pay interest on what you use, and replenish it as receivables come in. It is designed for short-term, recurring needs like paying suppliers or covering payroll gaps.
A term loan disbursed quickly, on the other hand, drops a fixed amount into your account. You repay it in instalments over a set period, with a clear end date. The interest rate is typically fixed or at least predictable. These two products solve different problems, and treating them as interchangeable is where businesses get into trouble.
When Speed and Certainty Matter More Than Flexibility
Here’s a scenario that plays out constantly. A retailer gets an opportunity to buy inventory at a steep discount, but the supplier wants full payment within 48 hours. The retailer’s working capital limit is already partially drawn. The available balance might cover part of the order, but not all of it. Requesting a limit enhancement takes days, sometimes weeks, because the bank reassesses your financials.
An instant business loan solves this cleanly. You apply, get approval quickly, and the full amount lands in your account. You buy the inventory, sell it at full margin, and repay the loan over the next few months. The cost of interest on that loan is far less than the profit you would have lost by passing on the deal.
This pattern repeats across industries. A logistics company needs to repair a critical vehicle immediately. A restaurant has to replace kitchen equipment before the weekend rush. A manufacturer lands a large order but needs raw materials upfront. In each case, the need is urgent, specific, and finite. A revolving facility wasn’t built for these moments.
The Hidden Cost of Over-Relying on Working Capital Limits
There’s a psychological trap with revolving credit. Because it’s always available, business owners tend to lean on it for everything, including expenses that really should be financed separately. When you use your overdraft to fund a one-time capital purchase, you reduce the buffer available for daily operations. Then, when a genuine cash flow gap appears the following week, you’re scrambling.
Worse, many working capital limits come with annual renewal. If your financials have dipped, the bank can reduce your limit or decline renewal altogether. If you’ve been using the facility for purposes it wasn’t designed for, your utilisation patterns can actually work against you during the review.
A distinct term loan keeps your working capital limit clean. Your revolving facility handles day-to-day operations. Your loan handles the one-off expense. This separation makes your balance sheet easier to read and your banking relationship easier to manage.
Interest Rate Math That Favours Term Loans
Working capital limits often carry floating interest rates pegged to the bank’s benchmark. The rate adjusts, and over time, especially when monetary policy tightens, your cost of borrowing can creep up without you noticing because you’re only looking at the small daily interest debit.
A fixed-rate term loan gives you certainty. You know exactly what each instalment will be, which makes cash flow forecasting more accurate. For a specific expense with a known amount and a defined payback period, this predictability matters. You can map the repayment against the revenue that expense is expected to generate.
A working capital loan structured as a revolving facility makes sense when your borrowing needs fluctuate week to week. But when you know exactly how much you need and roughly how long it will take to pay back, a term product is almost always cheaper in total interest cost. The discipline of fixed repayments also prevents the slow balance creep that plagues overdraft users.
When Your Facility Is Maxed and Opportunity Knocks
Perhaps the most compelling case is the simplest one. Your existing limit is fully utilised. Business is good, money is coming in, but right now the account is stretched. A new opportunity appears. You can either let it pass or find additional funding fast.
Waiting for a limit increase is not a strategy when timing matters. Applying for a separate short-term loan, getting approval the same day or the next, and funding the opportunity directly is a concrete action with a measurable return. You are not adding long-term debt to your balance sheet. You are financing a specific transaction that pays for itself.
The smartest business owners don’t treat all credit as the same. They match the product to the need. Revolving facilities handle rhythm. Term loans handle moments. Getting that distinction right is one of the quieter advantages a well-run business holds over its competitors.
