Category: Business

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  • Bank rules will change from April 1, charges will be levied even on the slightest negligence

    Bank rules will change from April 1, charges will be levied even on the slightest negligence


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    Now customers can avail better services than before through online banking. For this, banks are also introducing chatbots powered by artificial intelligence.

    If you have an account in a bank, then this news is important for you. Let us tell you that from April 1, 2025, many rules related to banking are going to change across the country. This will clearly affect your savings account, credit card and ATM transactions. If you know about these changes in advance, then you can avoid losses.

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    There will be a change in the rules of the bank

    The Reserve Bank of India has allowed banks to increase the ATM interchange fee, due to which any withdrawal or balance check from an ATM outside the home bank network will cost you a little more than before. Earlier you had to pay Rs 17 while withdrawing money from an ATM, but now it has become Rs 19. On the other hand, earlier you had to pay Rs 6 for checking balance from a bank’s ATM, now it has been increased to Rs 7.

    Digital Banking

    Banks are constantly adding new features to promote digital banking. But now customers can avail better services than before through online banking. For this, banks are also introducing chatbots powered by artificial intelligence. To make digital transactions safe, security like two-factor authentication and biometric verification will be introduced.

    Minimum Balance Rules

    Let us tell you that the rules related to minimum balance of many banks like SBI, Punjab National Bank, Canara Bank have been changed. This balance depends on whether your account is in urban, semi-urban or rural area. At the same time, you may have to pay a penalty for keeping a balance less than the fixed amount.

    Changes in interest rates

    Many banks are now changing the interest rates on savings accounts and FDs. Now the interest on savings accounts will depend on the account balance. That is, the more the balance, the better the return.

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  • India’s organised retail to surpass $600 billion by 2030, capture 35% of total market

    India’s organised retail to surpass $600 billion by 2030, capture 35% of total market

    India retail market set to reach $2 trillion in next decade: Report

    India retail market set to reach $2 trillion in next decade: ReportIANS

    India’s overall retail sector is poised to become more than $1.6 trillion opportunity by 2030, offering immense headroom for sustained growth for the organised retail industry, according to a new report on Wednesday.

    While essential categories will continue to drive the majority of spending, discretionary spending is expected to lead the next wave of expansion, said the report by Redseer Strategy Consultants.

    Offline and online organised retailers are actively solving for inefficiencies in the market through better sourcing strategies, improved application of technology and infrastructure innovations.

    “As a result, organised retail is projected to become a $600 billion+ segment by 2030, capturing over 35 per cent of the total retail market,” the report noted.

    Amid regional diversity, price sensitivity and complex supply chains, 350 Indian brands have crossed the $100 million revenue mark.

    However, the supply landscape remains fragmented and is expected to remain so, with regional and unbranded brands expected to contribute over 70 per cent of the market by 2030, the report mentioned.

    “Scaling ahead will require organised retail models to also address the regional and unbranded consumption, in addition to the branded segment that they’ve traditionally targeted,” said Kushal Bhatnagar, Associate Partner, Redseer Strategy Consultants.

    India retail market

     India retail market set to reach $2 trillion in next decade: ReportReuters

    Offline and online players are adopting a mix of strategies, such as backward integration, private labelling, and supply aggregation, to target this opportunity, he mentioned.

    The heterogenous consumer preferences in India have led to the emergence of extensive range of stock keeping units (SKUs), further underscoring the supply fragmentation.

    India’s culture, language, and tastes change every few kilometers, leading to high SKU proliferation across categories such as snacks, spices, food grains, apparels, jewellery, and home decor.

    A large share of consumers favour small-ticket transactions, and prioritise affordability over other factors, while making purchase decisions, the report said.

    Multiple unorganised intermediaries exist at both sourcing and distribution levels, making efficient supply chain management a challenge.

    General trade (GT) has also thrived due to its accessibility, ability to enable small transactions, and deep integration with local supply chains. It effectively caters to hyper-local consumer preferences, said the report.

    (With inputs from IANS)

  • Revised RBI’s priority sector lending norms to further boost economy: SBI report

    Reserve Bank of India.

    Revised RBI’s priority sector lending norms to further boost economy: SBI reportIANS

    The recent amendments in priority sector lending (PSL) guidelines by the Reserve Bank of India (RBI) should further help the economy grow faster and fine tune the building blocks of the factors of productions, mainly the MSMEs, agri and allied sectors, housing and exports, etc, a report by SBI Research said on Wednesday.

    The RBI this week issued revised guidelines on PSL to facilitate better targeting of bank credit to the priority sectors of the economy. The new guidelines will come into effect from April 1.

    According to the report, the revised PSL guidelines cater to enhancement of several loan limits, including housing loans, for enhanced PSL coverage and broadening of the purposes based on which loans may be classified under ‘Renewable Energy’.

    There is also a revision of the overall PSL target for urban cooperative banks (UCBs) to 60 per cent of Adjusted Net Bank Credit (ANBC) or Credit Equivalent of Off-Balance Sheet Exposures (CEOBSE), whichever is higher.

    “The higher limits set in housing segment should give a fillip to low cost/affordable housing across various population cohort, in particular tier-IV/V/VI cities wherein the banks, along with non-bank players, can find their next gold mine given the surge in demand for own/individual housing post pandemic,” the report noted.

    Explicit recognition and prioritisation of renewable energy within the PSL framework has alleviated credit constraints, thereby escalation in the share of non-conventional energy credit to the overall energy credit, encouraging credit flows to the NCE sector that witnessed significant policy interventions too, the SBI report mentioned.

    SBI, State Bank Of India,

    Revised RBI’s priority sector lending norms to further boost economy: SBI reportIANS

    “As big banks continue facing problems in achieving PSL targets, it would be a prudent move to include all infrastructure loans given to Road projects, Port, Railways, Airports, Energy Sector Highways, etc. either as priority sector status or be exempt from calculation of ANBC for PSL achievement in line with infra bonds raised towards funding of infrastructure and affordable housing,” according to the report.

    The RBI has also increased the loan limit for the repairs of damaged dwelling units in the revised circular.

    This opens new opportunities for credit disbursement for FIs in one of the most secured niche areas, also lessening the burden on home-owners in search of liquidity to carry over the necessary repairs of their dwelling units in need and thus opens up a substantial market for credit off take, the report said.

    With its 500 GW non-fossil fuel installed capacity target for 2030 and Net Zero target for 2070, India has embarked on one of the most extensive renewable energy expansions in the world.

    On July 1, 2015, RBI had expanded the ambit of PSL norms to include loans up to Rs 15 crore to borrowers for purposes like solar-based power generators, biomass-based power generators, continue, micro-hydel plants and for non-conventional energy (NCE) based public utilities.

    The limit was subsequently raised to Rs 30 crore per borrower on September 4, 2020.

    In the recent guidelines, the limit was raised to Rs 35 crore per borrower. For individual households, the loan limit will continue to be Rs 10 lakh per borrower.

    “Though the increase of Rs 5 crore appears to be small as compared to the revision made in last 2020 (five-year period), the small policy interventions definitely will go long way, for the NCE sector, to achieve dual objective of clean energy and PSL by boosting lending to the sector,” said the SBI report.

    (With inputs from IANS)

  • BSNL 5G Launch: Govt 5G network will be launched by next month! company has announced


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    There is good news for mobile users, as BSNL is ready to launch mobile 5G network. In such a situation, calling and internet data will be made available to the users at a cheaper rate.

    The launch of BSNL 5G can give a big blow to private telecom companies, because BSNL has already announced that it will offer 5G network at the cheapest rate. If the senior officer of BSNL is to be believed, then the government telecom company is going to roll out 5G network in the remaining selected cities of the country after Delhi.

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    BSNL 5G network will be available in selected cities

    BSNL CMD Robert J Ravi said that the company is going to launch its 5G network in Delhi through Network-as-a-Service (NaaS). He said that BSNL is planning to expand it rapidly. Robert J Ravi said that in which cities should BSNL 5G network be launched first? Consideration is being made about this. In such a situation, the company can start 5G in selected cities as soon as possible in the next few months.

    5G network reaches 84 percent of the area

    BSNL is planning to start 5G service along with 4G on its network, so that the users’ inclination towards private telecom companies can be reduced. If we talk about private companies, then currently 5G network is being offered by Jio and Airtel in India. By the way, 5G service of both is completely free. However, charges can be given in the coming days. If the Union Minister is to be believed, 5G network has reached about 84 percent of the country’s area. In such a situation, if 5G network is rolled out by BSNL, then soon 5G network will reach 100 percent of India.

    5G network rollout program will be completed soon

    Last year, BSNL ran a pilot program for 5G service based on the indigenous NaaS model in Delhi. A consortium led by Mumbai-based Tata Consultancy Services (TCS) is setting up 1 lakh sites for BSNL’s commercial 4G service. Along with BSNL, Vodafone-Idea is also rolling out 5G networks. In such a situation, 5G service will be fully rolled out in India soon.

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  • Gold prices surge amid global uncertainty, soon could touch $3,100 per ounce

    Gold prices surge amid global uncertainty, could touch $3,100 soon

    IANS

    Gold prices are on a strong upward trend, with analysts predicting that the precious metal could soon reach the $3,100 mark per ounce.

    This surge comes despite stable prices on Monday, as investors responded to a weaker US dollar and uncertainties surrounding US President Donald Trump’s tariff policies.

    Gold is widely considered a safe-haven asset, gaining traction during times of geopolitical and economic instability.

    The metal has already hit 16 record highs in 2025, surpassing the $3,000 per ounce mark on four occasions.

    Last week, gold prices soared to new all-time highs in both global and Indian markets. In India, 24K gold touched Rs 90,450 per 10 grams, while 22K gold climbed to Rs 82,910 per 10 grams.

    Gold prices surge amid global uncertainty, could touch $3,100 soon

    IANS

    Globally, spot gold reached $3,049.89 per ounce, after briefly hitting a record $3,055.96 per ounce earlier in the session. Meanwhile, US gold futures surged 0.6 per cent to $3,058.40 per ounce.

    There are several factors fueling gold’s sharp rise. Renewed conflicts in the Middle East, particularly Israel’s military operations in Gaza, have driven investors toward gold.

    The possibility of US tariffs under the Trump administration is also creating global economic uncertainty.

    Persistently high inflation and fears of slower economic growth are prompting investors to hedge with gold.

    Additionally, expectations of a US Federal Reserve interest rate cut have further boosted gold’s appeal.

    The Fed kept interest rates unchanged at 4.25 per cent-4.50 per cent last week but signalled the possibility of two rate cuts by the end of 2025.

    Lower interest rates reduce the opportunity cost of holding gold, making it a more attractive investment.

    Reports suggest that central banks and Gold Exchange Traded Funds (ETFs) will continue to be key drivers of gold demand in 2025.

    The Reserve Bank of India (RBI) has been steadily increasing its gold reserves, adding 72.6 tonnes in 2024. Gold now constitutes 10.6 per cent of the RBI’s total forex reserves.

    Despite high prices impacting jewellery demand, investment in gold remains strong. Indian gold ETFs saw a net inflow of Rs 112 billion in 2024.

    (With inputs from IANS)

  • Govt auctions 12 coal mines, to yield annual revenue of Rs 3,330 crore, create 20,902 jobs

    Centre completes auction of 9 coal mines, to yield Rs 1,446 crore annual revenue

    Govt auctions 12 coal mines, to yield annual revenue of Rs 3,330 croreIANS

    The Ministry of Coal has successfully auctioned a total of 12 coal mines, comprising eight fully explored mines and four partially explored coal mines across five states, according to an official statement issued on Monday.

    The newly auctioned mines are projected to generate an annual revenue of Rs 3,330 crore (excluding the partially explored mines) and attract a capital investment of approximately Rs 2,319 crore. Additionally, these mines are expected to create 20,902 employment opportunities, significantly contributing to economic development in coal-bearing regions, the statement said.

    The mines are located in Maharashtra, Chhattisgarh, Jharkhand, Arunachal Pradesh, and Odisha.

    Coal mine

    Govt auctions 12 coal mines, to yield annual revenue of Rs 3,330 croreIANS

    These twelve mines collectively hold a geological reserve of approximately 5,759.23 million tonnes, with a cumulative peak-rated capacity of 15.46 Million Tonnes Per Annum (MTPA), excluding partially explored mines. The auctions witnessed intense competition, achieving an impressive average revenue share of 36.27 per cent, reflecting the sustained interest of industries in India’s coal sector and the ministry’s commitment to providing a stable and transparent policy framework, the statement said.

    The Ministry of Coal launched the 11th round of coal mine auctions for commercial mining on December 5, 2024, marking another significant step in India’s journey towards self-reliance in the coal sector. In the forward auctions, a total of twelve coal mines were successfully auctioned, the statement added.

    Since the inception of commercial coal mining in 2020, the Ministry of Coal has successfully auctioned a total of 125 coal mines, with a combined production capacity of 273.06 Million Tonnes per year. Once operationalised, these mines will play a crucial role in enhancing domestic coal production and strengthening India’s energy security. Collectively, these mines are expected to generate an annual revenue of Rs 38,767 crore, attract a capital investment of Rs 40,960 crore, and create employment opportunities for approximately 4,69,170 people.

    Production from commercial coal mines has shown an over 78 per cent growth from 12.55 MT in FY 23-24 to 22.35 MT in FY 24-25, the statement added.

    (With inputs from IANS)

  • Indian Railways: Can you transfer a confirmed rail ticket to a relative? Know what are the rules of the railways


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    You had made a reservation in a train but due to some reason now if a relative of yours has to travel and not you, then the confirmed ticket in your name can be transferred to your relative.

    That means he can travel on your ticket. There are provisions for this in Indian Railways, but there are some special rules and conditions for this. If you follow these, then of course your relative can travel on your seat.

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    know the rules

    Railway rules say that if you have a confirmed train ticket but are unable to travel, you can transfer it to your children or your spouse. Here one thing to understand is that a confirmed reservation ticket can be transferred only to another member of your family, i.e. father, mother, brother, sister, son, daughter, husband and wife, instead of you. You just have to meet the railway officials in advance to make this process hassle-free.

    To transfer a ticket, you have to submit a transfer request at least 24 hours before the train departure time. If there are less than 24 hours left for the departure time and you are submitting a transfer request, it will not be accepted.

    This is the process of transfer

    First of all, for change of name on confirmed reservation ticket, you should go to the reservation counter of your nearest railway station with a printout of the electronic reservation slip and the photo identity proof mentioned in the electronic reservation slip. At this time, you should also have a valid ID proof of the relative who is travelling in your place. Provide proof of relationship with that relative at the counter. Submit a written application for ticket transfer, railway staff will help you in this.

    There is provision for such passengers as well

    Apart from relatives, ticket transfer can be done in some other categories as well. In this, if the passenger is a government employee and is on duty and there is appropriate authority, then the ticket can be transferred. If the passenger is a student of a recognized educational institution and the head of the institution requests in writing 48 hours before the scheduled departure of the train that the reservation made in the name of any student can be transferred to another student of the same institution.

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  • Bajaj Finserv Multi Asset Allocation Fund: A trio of equity, debt, and commodities for market resilience

    Multi Asset Allocation Fund

    In today’s ever-changing market conditions, investors need a strategy that provides not only growth but also protection against market volatility. This is where the Bajaj Finserv Multi Asset Allocation Fund comes in, offering a balanced approach with a mix of equity, debt, and commodities such as gold and silver. This dynamic trio of asset classes can provide both potential growth opportunities and stability, ensuring that your investments stay on track no matter how the market behaves.

    Why a mix of equity, debt, and commodities?
    Each asset class – equity, debt, and commodities offers unique advantages. Equity investments have the potential for relatively better returns, especially when you invest in growth-oriented companies. Debt investments, on the other hand, relatively provide stability and regular income. Gold, historically known as a stable asset, helps protect your portfolio from inflation and currency devaluation. Silver can also act as a hedge against inflation and offer growth potential. By combining these three assets classes, Bajaj Finserv Multi Asset Allocation Fund aims to offer a well-rounded solution for investors seeking long-term growth while minimising risk.

    Growth through dividend-paying equities
    One of the key components of this fund’s strategy is its focus on equity investments, specifically in companies that pay high dividends. Dividend-paying companies can provide a steady income stream, especially when reinvested for compounding returns. Bajaj Finserv Multi Asset Allocation Fund carefully selects companies with a potentially strong track record of consistent dividend growth. These companies not only offer regular income but also have the potential for long-term growth, making them a suitable option for investors.

    The fund focuses on companies with high dividend payouts and robust growth potential. It ensures that the companies selected have sustainable dividend payout ratios, meaning they can continue to pay dividends while maintaining a healthy financial profile. This focus on sustainable growth makes the fund a suitable choice for investors looking for stability in their equity investments.

    Debt investments for stability
    While equity investments can provide relatively higher returns in long term, they also come with a level of volatility. To counterbalance this, Bajaj Finserv Multi Asset Allocation Fund also allocates a portion of its assets to debt investments. Debt is an important tool for providing stability in uncertain market conditions. This fund focuses on short-to medium-term debt investments, which are positioned to take advantage of the prevailing interest rate cycles.

    When interest rates rise, debt investments can lock in higher yields, resulting in better income flow. On the flip side, when interest rates fall, the value of existing debt investments may increase, providing the fund with potential gains. This dual strategy allows the fund to adjust to changing market conditions and keep investors’ portfolios resilient.

    Role of commodities in the portfolio
    By including gold and silver in its portfolio, the Bajaj Finserv Multi Asset Allocation Fund can also offer protection against inflation and currency devaluation. Gold, in particular, is considered a hedge against inflation, providing a layer of stability to the overall investment.

    The inclusion of commodities in the Bajaj Finserv Multi Asset Allocation Fund gives investors a well-rounded portfolio.

    Diversification: The key to managing risk
    One of the most important benefits of the Bajaj Finserv Multi Asset Allocation Fund is diversification. By spreading investments across equity, debt, and commodities, the fund minimises the risk associated with any single asset class. Diversification ensures that if one asset class underperforms, the others can potentially offset the losses, providing stable returns over time.

    Moreover, the fund’s strategic approach to asset allocation helps navigate market volatility. Whether the market is experiencing growth or facing downturns, this multi-asset approach aims to provide consistent performance. The fund’s versatility across different market conditions makes it a suitable option for investors who want to mitigate risk while still aiming for potential returns.

    Who should invest in Bajaj Finserv Multi Asset Allocation Fund?
    This fund is suitable for a wide range of investors, particularly those who want to reduce the volatility associated with pure equity investments. If you’re someone who is venturing into equity investment for the first time or prefers a more balanced approach, the Bajaj Finserv Multi Asset Allocation Fund may be a suitable choice.

    The fund is also suitable for investors who seek professional asset allocation. Instead of making individual investment decisions, you can rely on the fund’s experienced managers to handle the allocation across equity, debt, and commodities. This ensures that your investments are managed efficiently, with the goal of achieving reasonable returns over the long term.

    Taxation benefits and long-term growth
    Investing in the Bajaj Finserv Multi Asset Allocation Fund offers tax benefits that make it even more suitable. Equity investments in this fund come with tax advantages, including the possibility of long-term capital gains tax benefits, which can be a suitable way to grow wealth over time. With a focus on long-term growth, this fund allows investors to take advantage of these tax benefits while diversifying their portfolios.

    Conclusion
    The Bajaj Finserv Multi Asset Allocation Fund is a suitable investment choice for those looking to balance growth with stability. By investing in a combination of equity, debt, and commodities, the fund offers a diversified approach to navigating market uncertainty. Whether you’re new to equity funds or a seasoned investor, this fund provides the tools you need for long-term growth.

    If you’re looking for a way to invest in equity funds while also ensuring stability and mitigating volatility impact on your portfolio, the Bajaj Finserv Multi Asset Allocation Fund offers a balanced, versatile solution.