Spotlight

Karen Fernandes: From Survival Mode to Strategy Mode


Written by Intern Rency Gomes || Team Allycaral 

Sometimes, the most defining journeys don’t begin with a plan. They begin with a pause you didn’t ask for.

For Karen Fernandes, that pause came in the form of losing her job—followed almost immediately by the uncertainty of a global pandemic. There was no roadmap, no backup plan, and no clarity about what came next. But there was one thing she did have—an understanding of social media that went deeper than trends and posting schedules.


Sitting at home, in a moment that could have easily been defined by fear, she chose to act. Freelancing wasn’t a confident leap—it was a hesitant step forward. There was doubt, fear of judgment, and the quiet pressure of starting something without knowing where it would lead. But those early days quietly became the foundation of everything that followed.

As she began working with different brands, a pattern became impossible to ignore. Businesses were showing up consistently, but not intentionally. Content was being created, but without direction. It looked good, but it didn’t always mean anything. And that realization stayed with her.

If she was ever going to build something of her own, it couldn’t just be another agency that made things look good. It had to make sense.

That idea slowly evolved into Meraki Social—not as a perfectly planned business, but as something built out of necessity and belief. Strategy became its backbone because Karen had experienced firsthand what it meant to operate without clarity. Guesswork wasn’t an option then, and it isn’t now.

For a long time, she hesitated to talk about how it all began. Losing a job felt like failure. Sharing that chapter felt uncomfortable. But when she finally opened up—about the uncertainty, the fear, and how freelancing was born out of that phase—something shifted.

People connected.

Clients didn’t just see a social media strategist. They saw someone who had built something from scratch during chaos. Someone who understood uncertainty not in theory, but through lived experience.

That honesty became a cornerstone of her philosophy. “Your mess is your message” isn’t just something she says—it’s something she has lived. But she’s equally clear about what that means. It’s not about oversharing. It’s about sharing with purpose. About identifying defining moments and extracting lessons that can actually help someone else.

That distinction is what gives storytelling its depth.

In a digital space that often prioritizes perfection, Karen continues to guide clients away from polished appearances and toward real connection. Many come in believing that perfect equals professional. And she understands why. But she challenges that belief with a simple question—what matters more, admiration or trust?

Because on platforms like LinkedIn, it’s not perfection that builds connection. It’s perspective. It’s honesty. And once clients begin to see real conversations happening in their comments and DMs, the shift becomes undeniable.

Her work with B2B coaches and founders reflects this change. What was once treated like a digital resume is now being used as a powerful distribution platform. The focus has shifted from generic advice to building distinct thought leadership.

Instead of sounding like everyone else, founders are encouraged to sound like themselves—to share their thinking, their client experiences, and their opinions. And when that happens, the results go beyond reach. The right people start paying attention.

The content that performs best, according to her, is content that feels lived. It comes from real experiences, real decisions, and real lessons. But content alone isn’t enough. There has to be alignment.

When someone lands on your profile, they should immediately understand who you help and how. That clarity is what turns visibility into meaningful conversations.

As personal branding continues to evolve, Karen is also seeing a shift in how newer generations approach it. Gen Z founders are no longer limiting themselves to one platform. They’re showing up across multiple spaces, but with a consistent voice.

Luxury brands, too, are moving away from chasing trends. They’re focusing on storytelling, positioning, and long-term recall. It’s becoming less about going viral—and more about being remembered.

Even with the rise of AI, her perspective remains grounded. AI is a tool. It can speed up workflows, support research, and help scale systems. But it cannot replace human understanding. It cannot replicate perspective or lived experience.

The future, for her, lies in balance—leveraging AI for efficiency while keeping storytelling deeply human.

Behind all of this is also a personal journey of learning how to build sustainably. There was a time when she was building her business while stepping into motherhood. It wasn’t something she could fully prepare for—it was something she had to grow through.

That phase forced her to slow down, build systems, and learn to delegate.

Today, she focuses on direction and strategy, while her team brings ideas to life. Delegation wasn’t optional—it was necessary. Especially as a mompreneur.

What keeps everything running smoothly now is structure. Every client starts with a clear strategy. Content calendars are mapped in advance. Workflows are defined before execution begins.

And on a personal level, she has learned to respect her own capacity. To batch work. To ask for help. To lean on her support system.

Because building a business while being present as a wife and a mother is not a solo journey.

Karen Fernandes’ story isn’t about overnight success. It’s about navigating uncertainty, embracing imperfection, and choosing to build with intention.

And in doing so, she hasn’t just built a business—she’s built a way of thinking that continues to shape how brands show up, connect, and grow.

Business

HDFC Bank To Disburse Rs 20 Crore To Social Impact Start-ups In 9th Edition of Parivartan Start-up Grants


Written by Intern Rency Gomes || Team Allycaral 

National, January 2026: HDFC Bank, one of India’s leading private sector banks, today launched the FY26 edition of the Parivartan Start-up Grants programme, its flagship initiative supporting social impact-driven innovations. The programme will support 10 strategic initiatives across priority sectors including climate innovation, agriculture and sustainable livelihoods, manufacturing and MSME innovation, financial inclusion, and gender diversity and inclusion, alongside emerging areas such as AI and deep technology.


In FY26, the programme will disburse Rs 20 crore through non-dilutive grants, designed to enable pilots, validation, and early-stage scale-up of startups. This edition also marks steady progress towards the programme’s 10-year milestone, with expanded partnerships with incubators from reputed institutions across India.

The Parivartan Start-up Grants programme follows an incubator-led, portfolio-based model, under which partner incubators handle programme design, startup outreach, evaluation, mentoring, monitoring, and impact reporting.

Commenting on the launch, Mr. Kaizad Bharucha, Deputy Managing Director, HDFC Bank, said:
“Parivartan Start-up Grants has evolved as a benchmark in the industry that works closely with institutions to support innovation addressing clearly identified social and environmental challenges. In FY26, the focus is on further deepening sector engagement, strengthening ecosystems, and building institutional capacity to enable startups to receive sustained and structured support.”

Mr. Arup Rakshit, Group Head – Treasury, HDFC Bank, added:
“The programme reflects our view that early-stage social impact innovation benefits from strong institutional support that can provide mentorship, networks, and structured guidance. The FY26 edition builds on this approach, through partnerships with some of India’s leading incubators across climate action, financial inclusion, deep technology, and livelihood-focused sectors, while continuing to expand participation across regions.”

Since its inception in 2017, Parivartan Start-up Grants has supported over 500 startups, including 87 in FY25 alone, through partnerships with more than 130 incubators nationwide. Cumulatively, the programme has deployed ₹85+ crore in grant funding, with nearly 40% of supported startups originating from Tier II and Tier III cities. At a portfolio level, supported startups have raised over ₹900 crore in external funding, with ~40% co-founded by women. In FY25, the programme deployed ₹20 crore across 20 incubation centres under this model.

Events in Goa

ASTURI 2026 Celebrates Women Entrepreneurship at GCCI Women’s Wing’s Flagship Lifestyle Exhibition


Written by Tanisha Cardozo || Team Allycaral

The GCCI Women’s Wing successfully organised the 12th Edition of ASTURI 2026, its flagship lifestyle exhibition dedicated to promoting women-led enterprises and fostering inclusive economic growth. The event reaffirmed the Wing’s long-standing commitment to empowering women entrepreneurs by providing them a vibrant platform to showcase their products, creativity and innovation.

ASTURI 2026 was inaugurated by noted film actress Ms. Varsha Usgaonkar, in the presence of distinguished dignitaries including Shri M. K. Meena, Director MSME (Ministry of Goa); Shri Premraj Shirodkar, Director – Rural Development, GSRLM; Ms. Pratima Dhond, President – GCCI; Mr. Sangam Kurade, Vice President – GCCI; Mr. Sanjay Amonkar, Director General – GCCI; and Ms. Pallavi Salgaocar, Mentor, GCCI Women’s Wing.

Welcoming the gathering, Ms. Sandra Fernandes, Chairperson of the GCCI Women’s Wing, highlighted the importance of ASTURI as a platform that enables women entrepreneurs to gain visibility, build networks and grow their enterprises. The exhibition was held under the leadership of Ms. Gouri Joshi, Event Chair – ASTURI 2026, with guidance from Mentor Mrs. Pallavi Salgaocar. The event coordination was efficiently handled by Ms. Melane Rodrigues, Assistant Director, GCCI, while Ms. Poonam Ajgaonkar, Co-Chairperson, GCCI Women’s Wing, proposed the vote of thanks.

ASTURI 2026 featured 100 stalls showcasing a wide range of offerings including food products, household items, clothing and wellness solutions, drawing enthusiastic participation and appreciation from visitors. Adding to the festive spirit, several competitions were organised for children and adults, including drawing, fancy dress, healthy dessert and duet antakshari competitions, making the exhibition engaging and family-friendly.

A major highlight of the event was the Asturi Queen Competition, held among women entrepreneurs to celebrate confidence, leadership and entrepreneurial spirit. Ms. Suvarna Salgaonkar was crowned Asturi Queen, while Ms. Daniella Vaz emerged as the Runner-up.

The exhibition concluded with a grand closing ceremony graced by Ms. Deepali Naik, Project Director, DRDA South Goa, as the Chief Guest. Overall, ASTURI 2026 stood out as a vibrant celebration of entrepreneurship, empowerment and the dynamic spirit of women-led businesses.

TechPulse

How Goa Is Harnessing Technology to Empower Women Entrepreneurs


Goa is rapidly embracing digital transformation, with women across the state emerging as entrepreneurs, innovators, and digital contributors. From grassroots digital literacy initiatives to advanced technology training and startup incentives, the Government of Goa is expanding economic opportunities for women across both rural and urban landscapes.

Under the leadership of Hon’ble Minister for Information Technology, Electronics & Communications, Shri Rohan A. Khaunte, the Department of Information Technology, Electronics & Communications (DITE&C), Government of Goa, is implementing a range of programmes designed to unlock women’s potential through technology, skills development, and entrepreneurship.

Mahila Digital Sashaktikaran Yojana

A flagship initiative, the Mahila Digital Sashaktikaran Yojana aims to bridge the digital divide, particularly for women in rural and underserved areas. The scheme provides hands-on training in the use of digital devices, online platforms, and essential digital services.

Open to Goan women aged 18 and above with a minimum of 15 years of residency in the state, the programme is delivered through empanelled Information Technology Knowledge Centres (ITKCs), Common Service Centres (CSCs), and Village Level Entrepreneurs (VLEs). Training sessions are conducted in accessible locations such as panchayat halls and community centres, ensuring last-mile reach.

By bringing digital literacy directly to villages, the initiative is improving employability, enhancing digital confidence, and enabling women to access wider markets and online opportunities.

From Villages to Skies: Women in Drone Technology

Goa has also introduced drone pilot training for women under the national Drone Didi scheme. Women-led Self-Help Groups (SHGs) receive specialised training in drone operations and maintenance, opening pathways in agriculture, logistics, disaster management, and environmental monitoring.

For many rural women, this initiative marks a transition from technology users to technology-driven service providers, creating new income streams and fostering entrepreneurship within local communities.

Women-Focused Startup Support under Goa Startup Policy 2025

Under the Goa Startup Policy 2025, the Startup and IT Promotion Cell has launched targeted mentoring and funding support for women-led startups. Women founders working in cutting-edge fields such as Artificial Intelligence (AI), Internet of Things (IoT), Drones, Robotics, AR/VR, AVGC, and 3D printing are eligible for a monthly allowance of ₹20,000 for up to 12 months.

This one-time financial assistance supports startups at the ideation, prototyping, validation, or early traction stages, ensuring access to capital, mentorship, and structured guidance during the critical early phase of their entrepreneurial journey.

Building a Gender-Inclusive Digital Economy

From digital literacy at the village level to advanced drone training and startup funding, Goa’s initiatives are creating a gender-inclusive ecosystem where women actively participate in both traditional and emerging sectors.

As digital tools reach remote areas and technology-led enterprises continue to grow, women are becoming key contributors to Goa’s evolving innovation and economic landscape, reinforcing the state’s vision of inclusive and sustainable growth.

Finance

HDFC Bank Group Concludes HDFC Tech Innovators 2025, Honours 10 Winning Startups


Written by Tanisha Cardozo || Team Allycaral

HDFC Bank Group successfully concluded the fourth edition of HDFC Tech Innovators 2025, marking another milestone in its commitment to strengthening India’s startup ecosystem. The event honoured ten winning startups across six sectors and awarded two special recognitions to emerging women founders. This year’s edition saw remarkable national participation, with over 1,600 startups applying from more than 290 cities across the country, reflecting the rapid growth and expanding reach of India’s innovation landscape.

HDFC Tech Innovators 2025 was organised jointly by HDFC Bank, HDFC Capital and HDFC AMC, with active support from HDFC Life, HDFC Ergo, HDFC Securities and HDB Financial Services. The initiative was conceived as a platform to recognise early-stage startups and enable meaningful collaboration between founders and HDFC Group companies. In previous editions, the programme has helped identify high-potential ventures such as QNu Labs, a pioneer in quantum-safe cybersecurity, in which HDFC Bank subsequently invested. The Group also supports young ventures through Parivartan, its CSR arm, by partnering with leading incubators across India.

Speaking at the event, Ashish Parthasarthy, Group Head of Branch Banking, Payments, Treasury, Liability Products, Marketing, Virtual Channels and Infrastructure at HDFC Bank, highlighted the Group’s ongoing commitment to fostering India’s next generation of corporations. He emphasised that the bank’s StartUp BuildUp programme offers one-of-a-kind solutions, from customised current accounts to health cover, commercial cards and regulatory support for FDI and ODI transactions, designed to empower startups from the very beginning of their journey.

Navneet Munot, MD & CEO of HDFC AMC, noted that innovation continues to reshape every aspect of human progress — spanning finance, healthcare, deep tech, space technology and frontier sciences. He reiterated that HDFC Bank Group sees itself as a long-term partner in India’s innovation journey. At HDFC AMC, the mission remains to channel the country’s entrepreneurial energy into wealth creation for millions of Indians. He described HDFC Tech Innovators as a celebration of the visionaries shaping the future.

Vipul Roongta, CEO of HDFC Capital, underscored how technology and innovation are transforming the built world and redefining every step of the value chain. He reaffirmed the company’s commitment to future-ready business models and emerging technology-led solutions that support India’s transformation in the years ahead.

This year, the initiative broadened its horizons by including Defence and Space Tech as a new sector, recognising the crucial role these domains play in nation-building. Two special awards were also introduced for women entrepreneurs, acknowledging their rising presence and impact within the country’s startup ecosystem.

The event also featured a panel discussion titled “Architects of India’s Startup Ecosystem,” which brought together leading voices from across government, industry and venture capital. Among the speakers were Sanjiv, Joint Secretary at DPIIT; Air Vice Marshal Dhananjay V. Khot (Retd.), Director–Strategy and Planning at IN-SPACe; Shashank Kumar, Founder and Managing Director of Razorpay; Gautam Mago, General Partner at A91 Partners; Vikram Gupta, Founder and Managing Partner of IvyCap Ventures; and Sunali Rohra, Senior Executive Vice President at HDFC Bank. Their perspectives added depth to the conversation on India’s evolving innovation landscape.

With its continued commitment to collaboration, investment and knowledge-sharing, the HDFC Bank Group reinforces its role as a key enabler for startups building India’s future. HDFC Tech Innovators 2025 stands as a testament to this vision, celebrating innovation, encouraging entrepreneurship and empowering the leaders of tomorrow.