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Thursday, February 11, 2016

Sanaa Creations - SHIPPING POLICY

How much are the delivery charges? provides free delivery on all items if your total order amount is more than Rs. 500/-. Otherwise Rs. 70/- is charged towards shipping charges.

What is the estimated delivery time?
If the item is in stock, it will be delivered in 5-7 days from the order date. While most items are delivered in 5-7 days, there are a few items which may be delivered in 7-10 days. 

How will the delivery be done?
We send all packages via reputed couriers such as Blue Dart, First Flight,DTDC etc. 

What about warranty and hidden costs (sales tax, octroi etc.)?
There are no extra taxes or hidden costs. The price mentioned on the website is the final product price including taxes. What you see is what you pay! Our prices include applicable Central Sales Tax (CST) and Value Added Tax (VAT). 

How do I track my shipment?
Sanaa Creations uses only reputed couriers. We notify our customers via a shipment confirmation email within 24 hours of dispatching the product(s). This shipping confirmation email will have the couriers’ tracking number and the link for tracking. 

Sanaa Creations - PAYMENT POLICY

Payment is an integral part of online shopping experience We believe in providing our customers choices, convenience, and trusted/secured payment options. Thus at, you can shop with confidence knowing that your payments always secured.

We accept all prepaid payment options such as all the major Credit Cards, Debit Cards, ATM cards, and Netbanking. fashion & costume Jewellery is all about the dream of possessing fashion & costume Jewellery is all about the dream of possessing.
It's everyone's dream to possess the rarest thing on the planet earth and it's a dream of everywoman to possess jewellery. To make that dream comes true.
Known for exporter, supplier, distributor, trader & importer a wide range of Jewellery, Precious Stones & Semi Precious Stones, we, Jaipur was established in the year 2011. Our effective product range comprises of Fancy Diamond Jewellery,Precious & Semi-Precious Gemstone, Costume & Fashion Jewellery & Metal Jewellery. These Jewellery items are procured from well known and trusted vendors to ensure optimum standards of quality.

The offered gemstones and jewellery items are available with us in bulk with tamper proof  packaging keeping in mind our customer’s convenience. As per the specifications provided by the customers, these gemstones and jewellery items can be customized.

Crafted in accordance with the latest market trends, these gemstones and jewellery items are highly appreciated for their eye-catching appearance, impeccable pattern and smooth finish. We export our products in all over the world.

We were established as a proprietorship firm and are currently functioning under the guidance and supervision of our manager Mr. Manish Nahar,Sachin Sogani, Sachin Luhadiya. Our company has gained a huge client base owing to his innovative business ideas and excellent management skills. We import our products in Japan, China, Hongkong.

Sell Online Marketplace 101

What is an Online Marketplace?
Fundamentally, a marketplace is a multisided platform, which connects two or more groups. A mall is a two-sided marketplace as it on one hand provides basic amenities to sellers for opening a store and on the other attracts the customers who eventually end up transacting with these sellers. Android is a three-sided marketplace as it forms a triangular transacting relation between app developers, phone manufacturers and end users. A smartphone can be classified as a four-sided platform since it builds interaction between the service providers, app developers, value added service providers and the end customers. In a similar manner, an online marketplace is a platform, which connects a seller and a buyer in the virtual space.
What are the Key Attributes of an Online Marketplaces?
  1. Neutral: Online marketplaces never discriminates one set of users, on either side, against the others. At the same time, they are usually highly meritocratic thereby handsomely rewarding the best players or users.
  2. Cross Network Effect: Addition of new members on one side increases the value of the marketplace for the members on the other side.
  3. Secure: They provide a secure transacting platform for al the interacting groups. They instill confidence among the users and this happens to be one of the main reasons of their existence.
  4. New Opportunities: They end up creating new opportunities since they initiate interactions which otherwise wouldn’t have taken place
  5. Zero Marginal Cost: Since the main value creation comes from the interaction between groups, so once matured, the marketplaces operate on zero marginal costs. This however does not mean that they do not have any fixed costs.
  6. Scalable: They represent one of the most scalable ecosystems which can transcend national boundaries and cultural barriers.
Why is Paytm a unique marketplace?
  1. Owing to its merchant base reaching the figure of 1lakh and a customer base of more than 100 million, strong cross network effects are in operation.
  2. Cashbacks being offered into the customer’s Paytm Wallet increases the stickiness of the customer base on Paytm platform.
  3. A complete Do It Yourself (DIY) seller panel at Paytm, increases the usability of the platform from the sellers end.
  4. Shortest seller payout cycle makes the platform more profitable for the sellers.
  5. Paytm treats big and small sellers alike thereby operating as an equal opportunity platform.
According to some of the industry experts, Paytm is expected to become the largest Online Marketplace of India owing to the synergies it shares with  other products like Paytm Wallet, payment gateway etc. We sincerely hope and look forward to share this success journey with all our sellers.

How To Sell on Paytm

Increase your online sales with an effective catalog

Catalog plays a significant role in advertising your products on Paytm marketplace that helps customers to buy from you. As a successful seller, you must be able to convince buyers that you sell the right product,  and this is achieved with the right catalog that  describes and tells your customers about your products. Let’s see what information should your catalog have.
Your catalog should include all required information about the product that you sell. This helps customers in an informed purchase decision. A catalog page, also called the Product Details page, typically  should include:
  1. Product Name
  2. Product Description
  3. Product Attributes
Product name:
You product’s name is the most critical element of your catalog as it directly determines how many views your product will receive. After images, an informative product name plays a vital role in grabbing the interest of your potential customers. Typically, a product page looks like
While adding a product name, you should follow the below guidelines.
  1. Do not make use of misleading keywords that do not speak for your product. For example when describing Apple iPhone 5S 32 GB – Do not write Apple smartphone Apple iPhone 5S 32 GB.
  2. Do not stuff keywords. For Apple iPhone 5S ,  say Apple iPhone 5S 32GB and not Apple iPhone- iPhone 5S 32 GB.
  3. Do not use special characters(^, ~, ™,¥, ©,®,») , punctuation marks(!,. : ; ‘’ ‘?) or asterisks (*) as this would affect low visibility in search results
  4. Always check for grammar and do a spell check.
  5. Avoid using acronyms or abbreviations (For example write Hewlett-Packard and not HP) as many customers will not understand this.
  6. Do not use “100% genuine” or “Original” words in product title.
  7. Always follow searchable keyword that describe your product truly.For example use iphone and not Apple smartphone.
  8. Be sure to use the correct spellings, always use title case that is the first letter of  each word should be in uppercase. For example Red Cotton Addidas T-shirt.
Product Description
Here you describe your product in details .This information helps customer learn more about the product and has details that help you sell your products. Product description is your opportunity to provide more information about your product.  A powerful product description should summarize:
  • Why your customer should buy the product
  • The key features of the product in case of electronics
  • Different uses and benefits
  • Suggested occasions and size guide in case of apparels and footwear
  • Warranty details of the products in case of electronics and home appliances
  • Additional attributes that are not listed under mandatory or optional fields.
Tip: After adding the content and attributes in the product description section (in Seller Panel), always preview it to check how this section will look on the website.
While adding a product description, you should follow the below guidelines.
  1. Do not use misleading information that is not related to your product
  2. Do not use long descriptions as it is unlikely that customers would go through them
  3. Do not use negative sentences to get a customer’s attention
  4. Do not copy description from other products on Paytm or other eCommerce websites
  5. Use searchable and relevant keywords  for relevant results of your customers
  6. Use simple and clear language
  7. Use correct spellings as typing errors are not search engine optimized.
  8. Always use sentence case. The first letter of a sentence should be in uppercase. For example, Make a distinct style statement wearing this red  shirt from ColorPlus
  9. Use multiple product description to describe each product of your product
  10. Use bullet point to help your customer read easily
#Product attributes
This lists mandatory and optional fields and should always feature accurate attributes . Product attributes is the section where detailed features of your products need to be mentioned. This is the section that helps customers find your product and informs them about your product . Therefore, you should add as many attributes as possible.
Our Product Detail page and catalog templates have been divided into two parts for attributes:
  • Mandatory attribute fields
  • Optional attribute fields
  • The below image lists attribute that you can add to your product.

Getting Started- How To Sell on Flipkart

Welcome to the starter guide on selling at Flipkart.
Once you have completed the sign-up process, you will have to go through a 6-step selling process on Flipkart. This video gives you an overview of these steps:
  1. Listing: This is where you add information about the products that you want to sell. This step is very important as it helps a buyer make a purchasing decision depending on the information given by you.
    • To start listing, log on to the seller portal and go to the Listings tab.
    • Here you can choose Add a listing for already existing products on Flipkart or choose Add listings in bulk to upload details about new products. 
    • When you choose Add Listings in bulk, you will get a catalog file, which is an excel sheet to fill in all necessary details of your products. 
    • Upload the file on the portal for quality check.
    • Once quality check is complete, we will update you regarding any errors that need to be corrected.  
    • Once all entries are checked, the file is marked as approved. 
    If you have trouble with this step, you can get in touch with our third-party service providers who will help you update the catalog file or help you take professional photographs of your products.
  2. Updating price and stock count of your listings:
    • Under the Listings tab, go to My listings.
    • Here, in the Non-live sub-tab, you can update the product price, stock count, etc.
    • Once added, these listings move to the Live sub-tab and are ready to sell. 
    • But before you go live and start selling, you need to upload any documents that you might have missed out earlier. For example, your PAN, TAN, address proof, ID proof, etc
    • Ensure all details are verified as well
  3. Fulfilling orders or order management includes the following steps: 
    • Receiving new orders from buyers and confirming the order 
    • Packing that order - adding invoice and shipment label and keeping it ready for dispatch 
    • Dispatching that order by marking it as ‘Ready to Dispatch’ on the portal 
    • Downloading the manifest to ensure that you provide the shipment as per the manifest to our logistics partner during pick up 
    • Tracking orders until they are delivered to your buyers
  4. Handling returns: When a buyer is unhappy with the product, he/she may want to return it. This involves refund, exchange or replacement. A hassle-free returns procedure leads to buyer satisfaction making you a preferred seller.
  5. Payments: Payments are released thrice a week and within a specified number of days and are subject to commission or cancellation fees. A Seller Protection Programme also exists to take care of damages when you are not at fault. Your grievances will be taken into consideration and resolved.
  6. Track Performance: Track your performance as your sales, quality of service and other factors help you become a preferred seller on Flipkart. You can track your performance and get necessary information through the Metrics tab on your seller portal.

Keeping the wheels turning

To say the last few years have been difficult for city and county governments across the U.S. is like saying Hurricane Katrina caused a little flooding along the Gulf Coast. However, fiscal problems are not new to city and county fleet managers, most of whom now find themselves entering a third budgetary cycle brightly highlighted with cuts to capital funds for vehicle replacement, as well as slashed operating expenses.
The secret to maintaining service levels without going over budget is a combination of thoroughly analyzing the size and capabilities of the fleet versus the demands of the various departments, buying quality merchandise and performing proper maintenance. “We're doing a number of things to control costs across the board,” says Douglas Weichman, director of the Palm Beach County, Fla., fleet management division. “We're cutting our capital outlays for new equipment, stretching equipment replacement cycles, reducing the size of our fleet based on utilization rates, reducing fuel consumption, extending maintenance intervals — the works,” he says. “We've even had to lay some people off, though all of the other cost control measures are helping us avoid doing more of that.”
To cut capital outlays for new equipment, Weichman's department analyzed the entire fleet last year to determine which vehicles needed replacing and which ones could go another year or two. The end result: an $8 million reduction in the normal $20 million annual capital budget for new equipment.“We also went through the fleet and gauged utilization rates, as the economic downturn is resulting in reduced services in many departments,” Weichman says. For example, Palm Beach County's Parks and Recreation Department reduced mowing operations from four times a month to two. Across the county, such operational shrinkage allowed Weichman to trim 300 pieces of equipment from the county's 4,500-unit fleet.
As a result, money earmarked for vehicle purchases was returned to the departments. “Each department within the county got back millions that originally would've paid for new trucks and equipment,” Weichman says. “It helps them in the short term, but we can't keep doing that. At some point, the age of the fleet catches up to you, and you start spending more money on fuel and maintenance as a result.”


In the world of retirement plans, there are two basic types of pension benefits, which are distinguished by whether the employer or employee bears the responsibility for retirement income. In a defined contribution (DC) plan, the employee, the employer or both contribute a percentage of salary to an employee's account, which is invested either by the employee or the employer, depending on the plan. The actual benefit at retirement depends entirely on the final balance available to the employee at the time of withdrawal, based on the investment performance.
In a defined benefit plan (DB), the employer guarantees a final retirement payment based on a formula that usually considers the employee's salary, the length of service and an estimated retirement year. Employers and often employees contribute to an employer-managed fund. Regardless of the fund's investment performance, the employer is liable for the full benefit promised by the formula. To the extent that pension assets are insufficient to pay the promised benefit, the employer has an unfunded liability. Accounting rules require that employers keep the unfunded portion of the liability within general guidelines, and a serious shortfall can be hazardous to the employer's credit rating.
Given the markets of the last five years, governments most likely will have to start increasing their pension contributions when the fiscal year begins in the middle of 2011, according to a June 2009 report by New York-based credit rating agency Standard & Poor's (S&P). But, finding the money to devote to the unfunded liabilities will not be easy. “The problem is one of steady future increases [in pension costs] at a time when municipalities may continue to be strapped for cash because of the effects of the current recession,” S&P concludes.
According to S&P, public pension plans were generally within the 80 percent funding level that accounting guidelines consider acceptable before the economic downturn. But, the public pension plans in 2008 had a median loss of 24.9 percent and a five-year return of 1.95 percent. Given that pension plans typically assume an 8 percent return to meet their funding requirements, the shortfall will become apparent after plans are reviewed in 2010, S&P predicts. Estimates of the total state and local unfunded liability range from $1 trillion to $3.2 trillion, depending on funding assumptions.
From a budgeting perspective, employers prefer DC plans because they know from year to year how much they will be paying, because their contributions are governed by percentage of salary and not by fluctuations in the stock market. In addition, skeptics of DB plans believe they are too vulnerable to changes from employee negotiations and arbitration rulings.
“If you could devise a defined benefit plan that never changes, it's a better plan,” says Doug Williams, who helped convert Oakland County, Mich.'s plan to a DC plan in 1993, when he was deputy county executive. “But, what happens is when you get into bargaining, the employees want to change things — allow people to retire earlier, provide higher factors, require reduced contributions. And the changes go back to the date of hire. All of a sudden, the government is in trouble.”
But, simply closing a DB plan and switching to a DC plan, will not necessarily solve the problem, according to Keith Brainard, research director for the Baton Rouge, La.-based National Association of State Retirement Administrators, First, he notes, when given the choice, 95 percent of public employees opt for a DB plan over a DC plan. He also points out that accounting rules actually raise the cost for employers if they close an underfunded DB plan and convert to a DC plan, until 10 to 15 years after the plan is closed. Finally, he contends, DB plans are important in human resource management, keeping employees on the job and then giving them enough money to retire. Rather than closing the plans, he says, “I believe we will be seeing lower benefits for future hires and higher contribution rates for employers and employees.”

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