{"id":491,"date":"2025-09-26T11:14:13","date_gmt":"2025-09-26T11:14:13","guid":{"rendered":"https:\/\/bfccapital.com\/event\/?p=491"},"modified":"2026-05-26T11:50:04","modified_gmt":"2026-05-26T11:50:04","slug":"bfc-capitals-296th-quality-circle-program-empowers-investors-at-up-van-nigam-lucknow","status":"publish","type":"post","link":"https:\/\/bfccapital.com\/event\/bfc-capitals-296th-quality-circle-program-empowers-investors-at-up-van-nigam-lucknow\/","title":{"rendered":"BFC Capital\u2019s 296th Quality Circle Program Empowers Investors at UP Van Nigam, Lucknow"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/10\/549155439_1304389348367172_6837090871932166870_n-1-819x1024.jpg\" alt=\"\" class=\"wp-image-492\" srcset=\"https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/10\/549155439_1304389348367172_6837090871932166870_n-1-819x1024.jpg 819w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/10\/549155439_1304389348367172_6837090871932166870_n-1-240x300.jpg 240w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/10\/549155439_1304389348367172_6837090871932166870_n-1-768x960.jpg 768w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/10\/549155439_1304389348367172_6837090871932166870_n-1-1229x1536.jpg 1229w, https:\/\/bfccapital.com\/event\/wp-content\/uploads\/2025\/10\/549155439_1304389348367172_6837090871932166870_n-1.jpg 1638w\" sizes=\"auto, (max-width: 819px) 100vw, 819px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/bfccapital.com\/\"><strong>BFC Capital<\/strong><\/a> successfully conducted its 296th Quality Circle Program on 26th September 2025 at UP Van Nigam, Lucknow.<br>The insightful session was led by <strong>Mr. Anurag Agarwal<\/strong>, who emphasized the importance of <strong>financial literacy, smart investing, and wealth creation<\/strong>. The program inspired participants to make informed financial decisions and take confident steps toward building a <strong>secure and prosperous financial future<\/strong>.<\/p>\n\n\n<div ><style>#sp-ea-769 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-769.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-769.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-769.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-769.sp-easy-accordion>.sp-ea-single {background: #f44556;}#sp-ea-769.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #0c2e8a;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1779781269\">\n<div id=\"sp-ea-769\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\">\n\n<!-- Start accordion card div. -->\n<div class=\"ea-card ea-expand sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-7690\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse7690\" aria-controls=\"collapse7690\" href=\"#\"  aria-expanded=\"true\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> Everyone around me is talking about investing, but I still live paycheck to paycheck. Is investing even for me?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse7690\" data-parent=\"#sp-ea-769\" role=\"region\" aria-labelledby=\"ea-header-7690\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">Absolutely; in fact, you may be the person who needs it the most, because a lack of structure often leads to living paycheck to paycheck. Therefore, you should first pay yourself and then spend your money on other expenses. Try setting aside at least Rs 1000 every month for an SIP, so that you accumulate enough corpus for emergencies.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<!-- Start accordion card div. -->\n<div class=\"ea-card  sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-7691\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse7691\" aria-controls=\"collapse7691\" href=\"#\"  aria-expanded=\"false\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> I got a WhatsApp message promising 20% monthly returns; how do I know it\u2019s not a scam?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse \" id=\"collapse7691\" data-parent=\"#sp-ea-769\" role=\"region\" aria-labelledby=\"ea-header-7691\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">If something sounds too good to be true\u2014especially investments\u2014it is. Even the best mutual funds in India offer around 12-15% annually over long periods, not monthly. SEBI-registered advisors don\u2019t guarantee high returns; therefore, if you come across people promising high returns, requesting cash payments, or pressuring you to recruit others, it\u2019s a sign to step back because they typically bring ponzi schemes to the table.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<!-- Start accordion card div. -->\n<div class=\"ea-card  sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-7692\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse7692\" aria-controls=\"collapse7692\" href=\"#\"  aria-expanded=\"false\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Should I clear my loans first or start investing at the same time?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse \" id=\"collapse7692\" data-parent=\"#sp-ea-769\" role=\"region\" aria-labelledby=\"ea-header-7692\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">It depends on the interest rate. High-interest debt, like credit card debt (30\u201340% annually), should always be cleared first\u2014no investment reliably beats that cost. But low-interest loans, such as a home loan (8\u20139%), can run alongside investments, since equity markets have historically returned more over the long term. A balanced approach\u2014paying down high-cost debt while starting small SIPs\u2014is usually the smartest path.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<!-- Start accordion card div. -->\n<div class=\"ea-card  sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-7693\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse7693\" aria-controls=\"collapse7693\" href=\"#\"  aria-expanded=\"false\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> I made a loss in my first investment, now I am scared to begin again. What should I do?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse \" id=\"collapse7693\" data-parent=\"#sp-ea-769\" role=\"region\" aria-labelledby=\"ea-header-7693\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">Do you give up on learning to ride a bicycle when you fall, or become extra careful and learn the right strategy the next time you ride it? We presume a lot of you will go with the latter, right? Similarly, the first investment is often a trial, not a statement! The ideal thing to do is to become financially literate, understand the core of investments, your time horizon, risk appetite, types of assets, and then invest according to your financial goals. Moreover, if you need the right guidance on your investments, connect with us\u2014we\u2019ll be happy to help.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<!-- Start accordion card div. -->\n<div class=\"ea-card  sp-ea-single\">\n\t<!-- Start accordion header. -->\n\t<h3 class=\"ea-header\">\n\t\t<!-- Add anchor tag for header. -->\n\t\t<a class=\"collapsed\" id=\"ea-header-7694\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse7694\" aria-controls=\"collapse7694\" href=\"#\"  aria-expanded=\"false\" tabindex=\"0\">\n\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> I wish to retire comfortably in 20 years. What\u2019s the single most crucial thing I should start doing immediately?\t\t<\/a> <!-- Close anchor tag for header. -->\n\t<\/h3>\t<!-- Close header tag. -->\n\t<!-- Start collapsible content div. -->\n\t<div class=\"sp-collapse spcollapse \" id=\"collapse7694\" data-parent=\"#sp-ea-769\" role=\"region\" aria-labelledby=\"ea-header-7694\">  <!-- Content div. -->\n\t\t<div class=\"ea-body\">\n\t\t<p><span style=\"font-weight: 400\">You must start an SIP today\u2014not tomorrow, not in a week, or after a month! Because compounding can be pretty ruthless with delay. Figure out how much you will require in your retirement years, your risk appetite, and your time horizon, and start your mutual fund investment journey today. The logic is simple: you may not be able to accumulate enough corpus if you start late\u2014let compounding play its magic.<\/span><\/p>\n\t\t<\/div> <!-- Close content div. -->\n\t<\/div> <!-- Close collapse div. -->\n<\/div> <!-- Close card div. -->\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>BFC Capital successfully conducted its 296th Quality Circle Program on 26th September 2025 at UP Van Nigam, Lucknow.The insightful session was led by Mr. Anurag Agarwal, who..<\/p>\n","protected":false},"author":1,"featured_media":492,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_venue":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts\/491","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/comments?post=491"}],"version-history":[{"count":2,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts\/491\/revisions"}],"predecessor-version":[{"id":788,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/posts\/491\/revisions\/788"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/media\/492"}],"wp:attachment":[{"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/media?parent=491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/categories?post=491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bfccapital.com\/event\/wp-json\/wp\/v2\/tags?post=491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}