Name: How to beat recession? Here's an advice from Airbnb CEO
Uploaded: 2022-11-17T15:05:46.000+05:30
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Description: The sudden halt to world tourism was a shock to the home rental company and forced layoffs of a quarter of Airbnb workforce in 2020

Reliance Industries rejects reports of purchasing Iranian crude, even as a temporary US sanctions waiver allows limited trade amid ongoing global oil market uncertainty.

Reliance denies buying Iranian oil amid US sanctions waiver

Reliance Industries rejects reports of purchasing Iranian crude, even as a temporary US sanctions waiver allows limited trade amid ongoing global oil market uncertainty.

Reliance Industries on Thursday said it has not bought &zwnj;crude oil of Iranian origin since the US temporarily removed sanctions to ease pressure on prices that followed the US-Israeli war on Iran.
In a statement, Reliance termed reports of it buying Iranian oil as baseless and incorrect. It said it "categorically rejects recent media reports that the company has purchased crude oil of Iranian origin."
The government earlier this week said resuming the buying of Iranian oil will be based on techno-commercial feasibility.
Historically, India was a major buyer of Iranian crude, importing significant volumes of Iranian Light and Heavy grades due to strong refinery compatibility and favourable commercial terms.
Following sanctions tightening in 2018, imports ceased from May 2019, with volumes replaced by Middle Eastern, US and other grades.
At peak, Iranian crude accounted for 11.5 per cent of India's total imports.
Last weekend, the US waived sanctions on the purchase of Iranian oil at sea for 30 days in its latest attempt to ease oil prices that have been driven up by the US-Israeli war on Iran.
An estimated 140 million barrels of Iranian oil are on vessels at sea.
While the waiver allowed countries to purchase those barrels, it is unclear how payments will be made.
Iran remains cut off from SWIFT (Society for Worldwide Interbank Financial Telecommunication) - a global messaging network used by banks and financial institutions to securely send and receive information about financial transactions.
Industry sources said the last purchases from Iran were made in Euros using a Turkish bank as a go-between, but that option no longer exists.
Iran was cut off from the SWIFT system in March 2012 following European Union sanctions over its nuclear programme, with the move forcing the disconnection of multiple Iranian banks and severely restricting global financial transactions.
Further disruptions occurred in 2018, after the United States reimposed sanctions, leading to renewed suspension of several Iranian banks from the network, which significantly constrained Tehran's ability to conduct international trade, receive oil payments and access foreign currency reserves.

Premium petrol in Delhi was increased by Rs 2 per litre, and bulk diesel for industrial users saw hikes up to Rs 22 per litre amid global oil price spikes. Normal petrol and diesel prices remain unchanged.

Premium petrol price up Rs 2, industrial diesel up Rs 22; no change in normal petrol, diesel rates

Premium petrol in Delhi was increased by Rs 2 per litre, and bulk diesel for industrial users saw hikes up to Rs 22 per litre amid global oil price spikes. Normal petrol and diesel prices remain unchanged.

The price of premium or higher-grade petrol on Friday was increased by Rs 2 per litre while the rate of bulk diesel sold to industrial users was hiked by about Rs 22 a litre, reflecting the spike in global oil prices amid conflict in the Middle-East.
However, the prices of normal petrol and diesel remain unchanged.
Premium 95-Octane petrol price in Delhi has been increased from Rs 99.89 per litre to Rs 101.89 per litre, industry sources said.
Alongside, bulk or industrial diesel prices were hiked from Rs 87.67 per litre to Rs 109.59 per litre in Delhi. Commercial diesel is used by establishments such as telecom towers to meet power requirements.
In Mumbai, industrial diesel prices have been increased from Rs 90.39 per litre to Rs 113.11 per litre (up Rs 22.72 per litre); in Kolkata from Rs 92.30 per litre to Rs 114.27 per litre (up Rs 21.97 per litre); and in Chennai from Rs 92.54 per litre to Rs 113.38 per litre (up Rs 20.84 per litre).
International oil prices touched USD 119 per barrel on Thursday on the intensifying Iran war, before pulling back to around USD 108 a barrel.
A litre of normal petrol in Delhi continues to cost Rs 94.77, while the same grade of diesel costs Rs 87.67 a litre.
Normal petrol typically has an octane rating of 91-92 and is suitable for standard engines, offering adequate performance for everyday driving. Premium petrol, on the other hand, has a higher octane rating of 95-98, making it ideal for high-performance or high-compression engines.
At a media briefing, Sujata Sharma, Joint Secretary, Ministry of Petroleum and Natural Gas, said there is no increase in prices of normal petrol and diesel.
"Some increase is reported in the premium category, which hardly makes up for 2-4 per cent of the entire petrol (sold in the country)," she said. "There is no increase in price for the common man."
Pricing decisions, she said, are taken by oil companies independently as petrol and diesel pricing was deregulated in 2010 and 2014, respectively.
"It (pricing) is decided by oil marketing companies. Government does not regulate petrol and diesel prices," she added.
The government is closely monitoring global oil markets, but there is no immediate plan to raise retail fuel prices. Oil marketing companies are expected to absorb the current cost pressure for the time being.
"Our priority is to make energy available to all consumers, which we have been doing all through the crisis. Till now we have not increased the prices," she added.
Meanwhile, Indian Oil Corporation in a post on social network X, said, "As global crude prices surge, stability at home matters more than ever."
IndianOil has ensured no increase in regular automotive fuel prices in India, even amid rising international costs. A limited revision applies only to premium petrol XP-95, with minimal impact on overall consumption. Through evolving global conditions, the focus remains clear: consistent supply, responsible pricing, and service you can rely on.
Retail petrol and diesel prices have been frozen since April 2022, with fuel retailers like Indian Oil Corporation (IOC), Bharat Petroleum Corporation Ltd (BPCL) and Hindustan Petroleum Corporation Ltd (HPCL) absorbing losses when crude prices are high and making profits when rates are low.
This meant that when global fuel prices went up in response to elevated crude prices, prices were stable in India. And when softening of crude prices pushed down fuel rates globally, rates in India remained unchanged.
The government wants to continue to shield consumers, and the same policy will continue unless there is a huge spike in crude prices.
India imports 88 per cent of its crude oil needs and roughly half of its natural gas requirement. These mostly come via the Strait of Hormuz.
Following the US and Israeli attacks on Iranian government, military and nuclear facilities, Iran warned shipping away from the strait, and insurers withdrew coverage, effectively halting tanker movements.
Prices had risen to USD 119 per barrel in June 2022 in the aftermath of Russia's invasion of Ukraine. That year, oil companies had nominal profits, but in FY24, they posted record Rs 81,000 crore profit, helping make up for past dent in margins.
This year, the three companies have posted Rs 23,743 crore profit in the December quarter alone.

India’s economy is projected to expand करीब 8.1 per cent in the September–December quarter under the revised GDP series with 2022-23 as the new base year, according to a State Bank of India report.

India's GDP expected to register over 8 pc growth in Sep-Dec: Report

India&rsquo;s economy is projected to expand करीब 8.1 per cent in the September&ndash;December quarter under the revised GDP series with 2022-23 as the new base year, according to a State Bank of India report.

The Indian economy is expected to record a growth rate closer to 8.1 per cent in the September-December quarter under the revised series with the new base year of 2022-23, a report said on Tuesday.
The country witnessed a growth rate of 8 per cent in the first half of the ongoing financial year ending in March 2026.
According to the first advance estimate of the National Statistics Office (NSO) last month, real GDP has been estimated to grow by 7.4 per cent in FY 2025-26 against the growth rate of 6.5 per cent in the previous financial year.
The second advance estimates of GDP for FY26, incorporating additional data and revisions, are scheduled to be released on February 27.
So, all the previous quarterly numbers of the first quarter and the second quarter are expected to change with the change in base year to 2022-23.
"High-frequency activity data indicates resilient economic activity in 3QFY26. Rural consumption remains strong, driven by positive signals from farm and non-farm activity. Supported by fiscal stimulus, urban consumption shows a consistent uptick since the last festive season," a report from State Bank of India's Economic Research Department said.
"Overall, we expect Q3FY26 real GDP growth of closer to 8.1 per cent. Given significant methodological changes, it is difficult to predict the direction of revision," it said.
It further said Scheduled Commercial Banks&rsquo; (SCBs) deposit growth remains muted compared to credit growth.
As per the latest RBI data, aggregate deposits grew by 12.5 per cent, while credit grew by 14.6 per cent.
With the rise in CD ratio, the gap between deposits and credit growth has increased, but such gaps are nothing new to the banking system, it said.

The government announced seven new measures, including credit support for e-commerce exporters and logistics assistance, under a ₹25,060 crore export promotion mission aimed at boosting outbound shipments and supporting MSMEs.

Govt announces seven measures to help boost exports

The government announced seven new measures, including credit support for e-commerce exporters and logistics assistance, under a ₹25,060 crore export promotion mission aimed at boosting outbound shipments and supporting MSMEs.

The government on Friday announced seven measures, including credit assistance for e-commerce exporters and support for alternative trade instruments, with an aim to promote the country's outbound shipments.&nbsp;
These measures are part of the Rs 25,060 crore export promotion mission. Out of 10 components of the mission, three have already been rolled out in January.
To support exporters using digital channels, the commerce ministry announced credit facilities with interest subvention and partial credit guarantees. The Direct E-Commerce Credit Facility will provide support up to Rs 50 lakh with 90 per cent guarantee coverage.&nbsp;
The Overseas Inventory Credit Facility will extend support up to Rs 5 crore with 75 per cent guarantee coverage, and an interest subvention of 2.75 per cent will be available, subject to an annual ceiling of Rs 15 lakh per applicant, the commerce ministry said.
To promote export factoring as an affordable working capital solution for MSMEs, an interest subvention of 2.75 per cent will be provided on the factoring cost for eligible transactions undertaken through RBI/IFSCA-recognised entities. Assistance is capped at Rs 50 lakh per MSME annually and will be processed through a digital claim mechanism to ensure transparency and timely disbursal.
To support emerging export opportunities, the ministry said this intervention enables exporters to access new or high-risk markets through shared-risk and credit enhancement instruments such as Letters of Credit confirmation and negotiation.
For Trade Regulations, Accreditation and Compliance Enablement (TRACE), support will be extended to exporters in meeting international testing, inspections, certifications and other conformity requirements. Under this, partial reimbursement of 60 per cent under the Positive List and 75 per cent under the Priority Positive List will be provided for eligible testing, inspection and certification expenses, subject to an annual ceiling of Rs 25 lakh per IEC (import export code).
Facilitating Logistics, Overseas Warehousing and Fulfilment (FLOW) will enable exporters to access overseas warehousing and fulfillment infrastructure, including E-Commerce Export Hubs integrated with global distribution networks, it said. Under this, an assistance of up to 30 per cent of the approved project cost will be provided for a maximum of three years, subject to prescribed ceilings and MSME participation norms.
For exporters from northeastern and hilly regions, Logistics Interventions for Freight and Transport (LIFT) was announced. LIFT mitigates geographical disadvantages faced by exporters in remote, hilly, northeastern and landlocked districts. Under this, there will be partial reimbursement of up to 30 per cent of the eligible freight expenditure, subject to a ceiling of Rs 20 lakh per IEC per financial year.
Financial assistance will also be extended for an integrated Support for Trade Intelligence and Facilitation (INSIGHT). It is generally limited to 50 per cent of project cost, with up to 100 per cent support for proposals from central and state Government institutions and Indian Missions abroad, subject to notified ceilings.
Through these coordinated financial and ecosystem interventions, the government aims to reduce the cost of capital, diversify trade finance instruments, enhance compliance readiness, address logistics constraints and strengthen overseas market integration for MSMEs.
Launching these measures, Commerce and Industry Piyush Goyal said they are aimed at empowering Micro, Small and Medium Enterprises (MSMEs) for global markets. He said India's expanding network of Free Trade Agreements (FTAs) has significantly enhanced market access for Indian exporters.
He noted that nearly 70 per cent of global GDP and two-thirds of global trade are now accessible to India through nine concluded FTAs, including the first tranche of the Bilateral Trade Agreement with the United States. These agreements provide preferential access across sectors in 38 developed and emerging economies.
Emphasising that the benefits of global trade must reach every MSME, startup and entrepreneur, Goyal said the mission is aimed at promoting new products, services and exporters, while enabling Indian businesses to access new markets. He said India has recorded double-digit growth in merchandise exports in the first half of February.
The mission seeks to simplify processes for MSMEs, strengthen access to credit, enhance quality standards, support compliance with international regulations and expand logistics and warehousing infrastructure globally.
Speaking at the occasion, Commerce Secretary Rajesh Agarwal said these interventions will help access new markets, and promote exports of new products. He asked the export promotion councils to prepare a communication package to take advantage of the free trade pacts finalised by India.
During April-January 2025-26 fiscal, the country's exports rose by 2.22 per cent to USD 366.63 billion. Imports grew 7.21 per cent to USD 649.86 billion, leaving a trade deficit of USD 283.23 billion during the nine-month period of 2025-26.

RBI has held the repo rate steady at 5.25% citing benign inflation, stable growth, and easing external pressures after trade deals.

RBI keeps interest rates on hold after US trade deal boosts outlook

RBI has held the repo rate steady at 5.25% citing benign inflation, stable growth, and easing external pressures after trade deals.

The Reserve Bank of India kept its benchmark interest rate unchanged on Friday, as expected, as inflation remained at manageable levels and growth concerns eased following increased government spending in the Budget and reduced tariff pressures after a trade deal with the United States.
The central bank's six-member Monetary Policy Committee (MPC) voted unanimously to keep the repurchase or repo rate at 5.25 per cent.
RBI retained its neutral policy stance, signalling that it is likely to remain on hold for now.
US President Donald Trump earlier this week announced a cut in tariffs on Indian goods to 18 per cent from 50 per cent, easing a key pressure point on India's economy and markets.
Announcing the decisions of the MPC, RBI Governor Sanjay Malhotra said external headwinds have intensified, but the successful completion of the trade deal with the United States bodes well for the economy.
The RBI has cut rates by a total of 125 basis points since February 2025, marking its most aggressive easing cycle since 2019.
It reduced rates by 25 basis points at its previous meeting in December.
While inflation remains benign, economic activity remains resilient.
"Amidst heightened geo-political tensions and elevated uncertainty, the Indian economy is in a good spot with strong growth and low inflation. Inflation remains below the tolerance band and its outlook continues to be benign," he said.
"With the signing of a landmark trade deal with the European Union and the US trade agreement in sight, growth momentum is likely to be sustained for a longer period."
Inflation is expected to average close to 2 per cent in the current financial year, below the central bank's target of 4 per cent.
GDP growth for the current fiscal year ending March 31 is forecast at 7.4 per cent.
The RBI raised real GDP growth projections for the first two quarters of the next fiscal to 6.9 per cent (April-June) and 7 per cent (July-September) but deferred full-year projection to April as the new GDP series will be released later this month.
Announcing additional measures, Malhotra said RBI will issue three draft guidelines relating to mis-selling, recovery of loans and engagement of recovery agents, and on limiting liability of customers in un-authorised electronic banking transactions.
"It is also proposed to introduce a framework to compensate customers up to an amount of Rs 25,000 for loss incurred in small-value fraudulent transactions," he said.
It will also publish a discussion paper on possible measures to enhance the safety of digital payments.
Such measures may include lagged credits and additional authentication for specific classes of users like senior citizens.
He also proposed doubling the limit for collateral-free loans to MSMEs Rs 20 lakh and allowing banks to lend to REITs to promote financing to the real estate sector.
Also, NBFCs having no public funds and customer interface, with asset size not exceeding Rs 1,000 crore, are proposed to be exempted from the requirement of registration.
The requirement for certain NBFCs to obtain prior approval to open more than 1,000 branches is also to be dispensed with.
For financial markets, Malhotra said RBI proposes to remove the limit of Rs 2.5 lakh crore for investments under the Voluntary Retention Route (VRR).
Investment through the VRR in each category of securities will be subject to the investment ceiling for the respective category under the General Route.
"The Indian economy continues to register high growth despite a challenging external environment clouded by geo-political uncertainties. Benign inflation provides the leeway to remain growth-supportive while preserving financial stability. We remain committed to meet the productive requirements of the economy and sustain the growth momentum," he added.
Commenting on the MPC decisions, Upasna Bhardwaj, Chief Economist, Kotak Mahindra Bank said, "The MPC delivered completely in line with expectations across rates and stance. The inflation outlook in H1,FY27 has been revised up marginally."
Inflation projection for H1,FY27 has been revised slightly higher to 4.1 per cent from 3.95 per cent but inflation outlook has remained benign.
"While uncertainty remains on the growth-inflation figures as we await the new series, the uptick in commodity prices and weaker currency may pose upside risks to inflation. We therefore see limited room for additional easing on the repo rate front, with RBIs focus expected to be on ensuring stability on the liquidity front in the year ahead," Bhardwaj said.

RBI Governor Sanjay Malhotra announced a new framework to compensate customers for small-value digital fraud, along with draft rules on mis-selling and loan recovery.

RBI to issue draft guidelines for protecting customers from mis-selling, among others

RBI Governor Sanjay Malhotra announced a new framework to compensate customers for small-value digital fraud, along with draft rules on mis-selling and loan recovery.

Reserve Bank Governor Sanjay Malhotra on Friday announced a new framework to compensate customers up to an amount of Rs 25,000 for loss incurred in small-value fraudulent transactions.
Announcing the last bi-monthly policy for the current financial year, Malhotra said, "we will also publish a discussion paper on possible measures to enhance the safety of digital payments. Such measures may include lagged credits and additional authentication for specific class of users like senior citizens."
For customer protection, he said, RBI will issue three draft guidelines: one, relating to mis-selling; two, regarding recovery of loans and engagement of recovery agents; and three, on limiting liability of customers in un-authorised electronic banking transactions.
"It is also proposed to introduce a framework to compensate customers up to an amount of Rs 25000 for loss incurred in small-value fraudulent transactions," he said.
The extant instructions on limiting the liability of customers in unauthorised electronic banking transactions were issued in 2017, which deal with scenarios and timelines for zero/limited liability of a customer.
In view of the rapid adoption of technology in the banking sector and payments systems, since issuance of these instructions, the existing instructions have been reviewed, he said.
Accordingly, he said, the draft revised instructions, including a framework for compensation in case of small value fraudulent transactions, would be issued shortly for public consultation.
Observing that misselling financial products and services by any regulated entities has significant consequences for both customers as well as on such entities, Malhotra said, there is a felt need to ensure that third party products and services that are being sold at the bank counters are suitable to customer needs and are commensurate with the risk appetite of individual clients.
"It has therefore been decided to issue comprehensive instructions to REs on advertising, marketing and sales of financial products and services. Draft instructions in this regard would be issued shortly for public consultation," he said.
He further said different sets of instructions are applicable to different categories of REs with respect to the engagement of recovery agents and conduct related aspects of loan recovery presently.
It has now been decided to review and harmonise all the extant conduct related instructions on engagement of recovery agents and other aspects related to recovery of loans, he said.
Accordingly, the RBI Governor said, the draft instructions in this regard would be issued shortly for public consultation.
Announcing Mission Mission Saksham, the RBI Governor said it is focussed on capacity building for Urban Cooperative Banks.
Stressing that the Primary (Urban) Co-operative Banks (UCBs) are vital institutions for promoting financial inclusion and serving the unbanked, he said, securing their next phase of growth would depend on developing stronger skills and competencies, along with technical capabilities and operational resilience in them.
To serve this objective, he said, the Reserve Bank will soon launch Mission SAKSHAM (Sahakari Bank Kshamta Nirman) -- a sector-wide capacity-building and certification framework.
The capacity building of the sector will be implemented through a large number of physical training programmes as well as a scalable learning platform, to cover about 1.40 lakh participants, across functions, he said.
The Reserve Bank would endeavour to conduct these training programmes at locations close to participating UCBs, with content delivery in regional languages to the extent feasible, he said.
The mission will be pursued in partnership with the umbrella organisation of UCBs and national/state federations.

RBI has raised GDP growth projections for FY27’s first two quarters, citing trade agreements, GST reforms and robust agricultural performance.

RBI revises FY27 Q1, Q2 GDP growth projections upward, defers full-year outlook to April policy after new GDP series

RBI has raised GDP growth projections for FY27&rsquo;s first two quarters, citing trade agreements, GST reforms and robust agricultural performance.

The Reserve Bank on Friday revised upwards GDP growth forecast for the first quarter of the next fiscal year to 6.9 per cent and 7 per cent for the subsequent three months on the back of trade deals, GST rationalisation, and robust farm output.
In December, the RBI had projected real GDP growth for the June quarter of 2026-27 at 6.7 per cent and 6.8 per cent for the July-September period.
Projections for the full year 2026-27 will be announced in the next monetary policy statement in April after taking into account the new GDP and CPI series with updated base year (2024=100).
"The Indian economy continues on a steadily improving trajectory, with real GDP poised to register significantly higher growth of 7.4 per cent in 2025-26, as compared to the previous year. Amidst global headwinds, private consumption and fixed investment supported growth," RBI Governor Sanjay Malhotra said while unveiling the monetary policy.
Going forward, he said economic activity is expected to hold up well in 2026-27.
Agricultural activity will be supported by healthy reservoir levels, robust rabi sowing, and improvement in crop vegetation conditions.
Further, improving corporate sector performance and sustained momentum in the informal sector should boost manufacturing activity, he said.
Also, construction sector growth is expected to remain firm and services sector should continue to be resilient, with strengthening domestic demand.
On the demand side, the momentum in private consumption is expected to sustain in 2026-27 while rural demand continues to be steady, the governor said.
The governor said recovery in urban consumption should further strengthen with continued support from GST rationalisation and monetary easing.
"High capacity utilisation, accelerating bank credit, conducive financial conditions, and the government's continued emphasis on infrastructure should give an impetus to investment activity," Malhotra said.
He further said the recently concluded India-EU free trade agreement (FTA) and the prospective India-US trade deal, along with several other trade agreements, will support exports over the medium-term.
Moreover, several measures announced in the Union Budget should also be conducive for growth.

The Reserve Bank of India has paused its rate-cut cycle and retained the repo rate at 5.25% in its latest policy review, citing geopolitical risks, low inflation, and currency pressures.

RBI keeps repo rate unchanged at 5.25%, maintains neutral stance amid global policy divergence

The Reserve Bank of India has paused its rate-cut cycle and retained the repo rate at 5.25% in its latest policy review, citing geopolitical risks, low inflation, and currency pressures.

After a 25 basis point rate cut in December, the RBI on Friday decided to pause on the policy rate front amid geopolitical uncertainties.&nbsp;
This is the first monetary policy review after Finance Minister Nirmala Sitharaman announced the Budget for financial year 2026-27.
Announcing the sixth and final bi-monthly monetary policy for the current fiscal, RBI Governor Sanjay Malhotra said the Monetary Policy Committee (MPC) has decided to retain short-term lending rate or repo rate at 5.25 per cent with a neutral stance.
The rate cut pause comes on the back of the CPI-based headline retail inflation ruling below the 2 per cent lower band mandated by the government for the last four months. The central bank has been tasked by the government to ensure that consumer price index (CPI) based retail inflation remains at 4 per cent with a margin of 2 per cent on either side.
Since February 2025, the RBI has reduced the policy rate by 125 basis points. In its previous policy review in December, it had trimmed the repo rate by 25 basis points to 5.25 per cent.
Based on the recommendation of the MPC, the RBI reduced the repo rate by 25 bps each in February, 2025 and April, and 50 basis points in June amidst easing retail inflation. However, the central bank halted its rate cut in August.
In the last MPC meeting, the RBI again went for reduction in repo rate by 25 basis points to 5.25 per cent. India's retail inflation dropped to a historic low of 0.25 per cent in October 2025, marking the lowest level since the CPI series was introduced.
Besides, the Indian economy has clocked better-than-expected GDP growth of 8.2 per cent in the second quarter. As per the government estimate, India's economy is estimated to grow at 7.4 per cent during the ongoing financial year.
However, the rupee declined to historic low and crossed 92 against a dollar last week making imports costlier, raising fears of rise in inflation. Rupee has depreciated by about 6 per cent in calendar year 2025.

The Indian rupee surged 122 paise to 90.27 against the US dollar after the India-US trade deal boosted market sentiment, supported by strong equities and expectations of foreign inflows.

Rupee jumps 122 paise to close at 90.27 against US dollar on India-US trade deal

The Indian rupee surged 122 paise to 90.27 against the US dollar after the India-US trade deal boosted market sentiment, supported by strong equities and expectations of foreign inflows.

The Indian rupee emerged as the best-performing Asian currency on Tuesday, registering a gain of 122 paise or 1.33 per cent in a single trading session to settle at 90.27 (provisional) against the US dollar, after India and the US agreed to a trade deal.
Forex traders said the Indian rupee rose to the highest levels in two and a half weeks and rallied by around 1.5 pc on the trade deal between India and the US.
Domestic indices also surged by around 2.75 per cent, boosting domestic market sentiments. Further, weakness in crude oil prices and expected foreign inflows also favoured investor sentiment.
India and the US agreed on a trade deal under which Washington will bring down the reciprocal tariff on Indian goods to 18 per cent, lower than that for countries like China, Bangladesh and Vietnam.
At the interbank foreign exchange market, the rupee opened at 90.30 against the US dollar, then gained some ground to touch an intraday high of 90.05 and a low of 90.52 against the greenback.
At the end of the trading session on Tuesday, the rupee was quoted at 90.27 (provisional) against the greenback, registering a gain of 122 paise from its previous close.
The rupee gained 44 paise to close at 91.49 against the US dollar on Monday, a day after the Union Budget 2026-27 was presented.
Prime Minister Narendra Modi on Tuesday said the India-US trade deal is a "big decision" that will benefit everyone in the country, and asserted that his government always works in favour of the nation.
Forex traders said the India-US trade deal will reopen the door for FII participation, and if capital flows recover in CY26, it would ease some pressure on the rupee.
"With the 'reciprocal' tariffs on India's exports to the US now lowered, we estimate the current account deficit to narrow by around 0.25 per cent of GDP in CY26 to 0.8 per cent of GDP. In addition, if capital flows recover in CY26 on the conclusion of the India-US trade deal, which would ease some pressure on the INR, and result in downside risk to our current USD/INR 12-month forecast of 94," Goldman Sachs said in a research note.
However, things may not be completely smooth sailing for the INR, some experts believe.
"There could be hiccups along the way with this trade agreement &ndash; for example, it may not be easy for India to divert its Russian oil purchases quickly.
"The RBI's FX policy could also complicate things. The RBI has been intervening in a rather unpredictable way over the past few months to prevent one-sided speculative positioning &ndash; both short and long &ndash; in the INR," HSBC said in a research note, adding, "Our end-2026 forecast for USD-INR is 90".
Meanwhile, the dollar index, which gauges the greenback's strength against a basket of six currencies, was trading 0.05 per cent lower at 97.57.
Brent crude, the global oil benchmark, was trading lower by 0.14 per cent at USD 66.18 per barrel in futures trade.
On the domestic equity market front, the Sensex jumped 2,072.67 points to settle at 83,739.13, while the Nifty surged 639.15 points to 25,727.55.
Foreign Institutional Investors offloaded equities worth Rs 1,832.46 crore on Monday, according to exchange data.

Indian stock markets soared after the India-US trade deal reduced reciprocal tariffs on Indian goods to 18%, boosting export-oriented sectors and investor sentiment.

Stock markets cheer India-US trade deal: Sensex, Nifty surge 2.5 pc

Indian stock markets soared after the India-US trade deal reduced reciprocal tariffs on Indian goods to 18%, boosting export-oriented sectors and investor sentiment.

Stock market benchmark indices Sensex and Nifty ended 2.5 per cent higher on Tuesday after India and the US agreed to a trade deal under which Washington will bring down the reciprocal tariff on Indian goods to 18 per cent.
After starting the trade on a buoyant note, the 30-share BSE Sensex further jumped 4,205.27 points or 5.14 per cent to hit the day's high of 85,871.73. It later ended at 83,739.13, up 2,072.67 points or 2.54 per cent.
The 50-share NSE Nifty zoomed 639.15 points or 2.55 per cent to settle at 25,727.55. During the day, it surged 1,252.8 points or 4.99 per cent to 26,341.20.
India and the US have agreed to a trade deal under which Washington will bring down the reciprocal tariff on Indian goods to 18 per cent from the current 25 per cent, US President Donald Trump said on Monday after a phone conversation with Prime Minister Narendra Modi.
From the 30 Sensex firms, Adani Ports surged 9.12 per cent. The other prominent winners were Bajaj Finance, InterGlobe Aviation, Power Grid, Sun Pharma, Bajaj Finserv, and Reliance Industries. Tech Mahindra and Bharat Electronics were the only laggards.
The trade deal also propelled a sharp rally in textile, leather, gems and jewellery, seafood exports, and specialty chemicals stocks.
"Indian equities experienced a significant rally today, driven by the long-anticipated India&ndash;US trade deal and a strengthening rupee, which boosted expectations of renewed FII inflows. The reduction of US tariffs on Indian goods from 50 per cent to 18 per cent enhances India's competitive position among emerging markets and bolsters the outlook for export-oriented sectors with high US exposure, such as textiles, aquaculture, gems, and pharmaceuticals, which were supported in the 2026 Union Budget," Vinod Nair, Head of Research, Geojit Investments Limited, said.
In Asian markets, South Korea's Kospi rebounded sharply and jumped nearly 7 per cent. Japan's Nikkei 225 index, Shanghai's SSE Composite index, and Hong Kong's Hang Seng index also ended higher. European markets were trading in positive territory. US markets ended higher on Monday.
Foreign institutional investors offloaded equities worth Rs 1,832.46 crore on Monday, while Domestic Institutional Investors (DIIs) bought stocks worth Rs 2,446.33 crore, according to exchange data.
Brent crude, the global oil benchmark, dropped 0.65 per cent to USD 65.87 per barrel.
On Monday, the Sensex jumped 943.52 points or 1.17 per cent to settle at 81,666.46. The Nifty climbed 262.95 points or 1.06 per cent to end at 25,088.40.

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The sudden halt to world tourism was a shock to the home rental company and forced layoffs of a quarter of Airbnb workforce in 2020

Airbnb CEO wants your home to make money as recession looms

How to beat recession? Here's an advice from Airbnb CEO

The sudden halt to world tourism was a shock to the home rental company and forced layoffs of a quarter of Airbnb workforce in 2020

As recession and inflation all over the world are making headlines, with soaring energy, food and transport prices, CEO of holiday home giant Airbnb is giving an advice to make money.&nbsp;
Brian Chesky, the CEO of home-sharing company is encouraging more people to become hosts on its platform, increasing options as the euphoria of reopened travel has cooled.
He further added that ''we have to be affordable" in terms of pricing, to allow consumers to travel despite a deteriorating economic climate.
Not only this, the CEO of Airbnb has also listed a bedroom in his own San Francisco home on the platform to show people that being a host through the site isn't "risky".&nbsp;

The RBI keeps the repo rate unchanged at 5.25%. Here's what it means for home loan interest rates, EMIs, reset dates, benchmarks and borrowers.

Repo rate today at 5.25%: how long an RBI decision takes to reach your home loan interest rate 

The RBI keeps the repo rate unchanged at 5.25%. Here's what it means for home loan interest rates, EMIs, reset dates, benchmarks and borrowers.

The repo rate today stands at 5.25%, unchanged after the RBI's Monetary Policy Committee (MPC) meeting on 5 August 2026. A change in the repo rate does not automatically lower your home loan interest rate on the same day. Whether your rate moves, and when, depends on your loan type, benchmark, spread, and reset terms.
Floating-rate loans linked to an external benchmark are most directly affected. Fixed-rate loans are not. If you're reviewing your loan after an RBI decision, your first step is to check your sanction letter, not the headline rate.
Bajaj Finance offers home loans up to Rs. 15 crore*, with interest rates starting at 7.25%* p.a. and a repayment tenure of up to 32 years*.
<h4>What does the repo rate have to do with your home loan interest rate?</h4>
The repo rate is the rate at which the Reserve Bank of India (RBI) lends short-term funds to eligible financial institutions against approved securities. Your <a href="https://www.bajajfinserv.in/home-loan-interest-rates" target="_blank">home loan interest rate</a> is what your lender charges on the outstanding loan balance.
The two are connected when your loan uses a floating rate tied to an external benchmark. The RBI's external benchmark framework requires banks to link new floating-rate retail loans, including housing loans, to specified external benchmarks.
When that benchmark changes, your lending rate can adjust, based on your loan's reset terms and your lender's spread.
<h4>So, when can the repo rate change your home loan interest rate?</h4>
There is no fixed waiting period. The transmission chain works like this: the RBI changes the policy repo rate, the applicable external benchmark adjusts, your lender applies the contractual spread and reset terms, and your home loan interest rate can then move.
Your lender does not simply swap your current rate with 5.25%. Your actual rate is the sum of your benchmark at the time of reset and the spread set at sanction. A fixed-rate loan sits entirely outside this chain - it does not respond to repo-rate movements during the fixed period. The RBI's external benchmark regime requires banks to monitor how benchmark changes transmit into lending rates, but only floating-rate borrowers are in scope.
<h4>What decides how quickly your home loan interest rate moves?</h4>
Four factors determine the timing and size of any rate change for floating-rate borrowers.
<img src="https://cdn.editorji.com/6a882f2c613b6_1787309868.png" width="588" height="307">
The <a href="https://www.bajajfinserv.in/repo-rate" target="_blank">repo rate today</a> is 5.25%. That is not your home loan interest rate. Understanding these four factors tells you far more than any RBI headline number.
<h4>What happens when the repo rate stays at 5.25%?</h4>
On 5 August 2026, the MPC voted unanimously to hold the policy repo rate under the liquidity adjustment facility (LAF) at 5.25%. The standing deposit facility (SDF) rate remained at 5.00%. The marginal standing facility (MSF) rate and Bank Rate remained at 5.50%. The MPC continued with a neutral stance. For borrowers, a hold means there is no new rate movement for a lender to pass through. Your existing home loan interest rate will not change as a direct result of this decision. If a cut does occur in a future MPC meeting, three outcomes become possible depending on your loan terms: your EMI can reduce, your tenure can shorten, or both can adjust partially. The RBI's borrower-protection framework states that applicable floating-rate borrowers can be offered choices involving EMI, tenure, or both when a benchmark shift affects repayment. A lower EMI improves your monthly cash position. A shorter tenure reduces total interest cost but may require a higher monthly payment. Neither is automatically better; it depends on your current income and repayment capacity.
<h4>Why the reset date matters more than the RBI announcement date</h4>
Consider Arnav, a 34-year-old salaried professional in Bengaluru with a floating-rate home loan. After an RBI rate cut, he expects his EMI to fall within days. That assumption is likely wrong. Here is the correct sequence. First, confirm whether the loan's benchmark is repo-linked. Second, find the next reset date - that is when the revised rate applies, not the date of the RBI announcement. Third, calculate the revised lending rate using the new benchmark plus the spread. Fourth, check whether the lender adjusts the EMI, the tenure, or both. The reset date, not the RBI announcement date, drives the timing. Even in a rate-cut scenario, Arnav's EMI will not change until the reset date arrives and the lender applies the revised benchmark. In the current case, where the rate was held, nothing changes at all until a future rate movement and a subsequent reset date align.
<h4>What should you compare before choosing a home loan rate?</h4>
A repo-rate headline is one input among several. Before choosing a loan, compare these: ● Starting interest rate and rate type ● Benchmark used and how often it resets ● Lender's spread and whether it can change ● Repayment tenure available ● EMI at the chosen loan amount ● Part-prepayment and foreclosure terms ● Processing charges For reference, Bajaj Finance home loans offer interest rates starting at 7.25%* p.a. with an EMI of Rs. 671 per lakh*, a loan amount up to Rs. 15 crore*, and a repayment tenure of up to 32 years*. Borrowers can opt for an externally benchmarked interest rate. For individual borrowers choosing a floating rate for non-business purposes, there is no foreclosure charge on the full loan amount or part-prepayment, subject to applicable terms. Processing fees are up to 4% of the loan amount plus GST. Salaried applicants can apply between the ages of 23 and 67. Self-employed professionals can apply between 23 and 70. A CIBIL Score of 725 or above is the stated minimum. The 7.25%* p.a. starting rate reflects the best-case pricing - your actual rate depends on your profile, income, and loan amount. Applications can receive approval within 48 hours* of submission, subject to documentation and terms. This product may not suit a borrower seeking a fully fixed rate for the entire tenure or one who does not meet the CIBIL threshold.
<h4>What the repo rate today means for you</h4>
The repo rate today is 5.25%, as confirmed by the RBI's MPC on 5 August 2026. Because the rate was held, there is no new movement for lenders to pass through, and no automatic change to any home loan interest rate as a result. What is worth doing is understanding your own loan terms - your benchmark, spread, and next reset date - so you're positioned to act when a future MPC decision does produce a change. If you're considering a new loan, the benchmark mechanism, rate, tenure, and charges matter more than the headline repo rate. Bajaj Finance home loans start at 7.25%* p.a. with tenure up to 32 years* and amounts up to Rs. 15 crore*. Check your eligibility, estimate your EMI, and review the terms before applying.

Learn how to apply for a mortgage loan online, the documents required for approval, eligibility checks, and tips to speed up processing with minimal paperwork.

Step-by-step guide to apply for a mortgage loan online with minimal documentation

Learn how to apply for a mortgage loan online, the documents required for approval, eligibility checks, and tips to speed up processing with minimal paperwork.

A mortgage loan allows borrowers to raise funds by mortgaging a property while continuing to retain ownership. Applying online can simplify the process by reducing paperwork and improving convenience. Borrowers who understand the documents required for mortgage loan approval, organise their records in advance, and submit complete information can often experience smoother processing. Bajaj Finance Loan Against Property offers funding of up to Rs. 10.50 crore*, interest rates ranging from 8% to 14% p.a., repayment tenures of up to 15 years, and disbursal within 72 hours* of approval, subject to applicable conditions.
<h3>Why are more borrowers choosing to apply for a mortgage loan online?</h3>
Online applications have transformed the borrowing experience by making the process faster and more convenient. Faster application process&nbsp; Digital platforms help simplify the initial stages of the application journey.
Reduced processing time: Information can be submitted quickly through online forms. Faster verification: Digital records can help streamline document review.&nbsp; Improved tracking: Applicants can stay informed about the progress of their application. Reduced paperwork&nbsp; Online applications help minimise manual documentation requirements.&nbsp; Digital submission: Many documents can be submitted electronically.&nbsp; Simplified record management: Borrowers can organise documents more efficiently.&nbsp; Reduced duplication: Information is often entered only once during the process.&nbsp; Greater convenience Borrowers can begin the application process from almost anywhere.&nbsp; Flexible access: Apply at a time that suits your schedule.&nbsp; Fewer branch visits: Much of the process can be initiated online.&nbsp; Better accessibility: Applicants can complete key steps remotely.&nbsp; Before you apply: Understanding the documents required for mortgage loan approval&nbsp; Here are some basic <a href="https://www.bajajfinserv.in/mortgage-loan-eligibility-and-documents" target="_blank">documents required for mortgage loan</a> that you must prepare in advance to help avoid delays later.&nbsp; Identity and address proof&nbsp; These documents help establish identity and residence details.&nbsp; Accepted documents: Aadhaar, passport, voter ID, driving licence, NPR letter, or NREGA job card.&nbsp; Address verification: Additional proof may be required in certain situations.&nbsp; Updated records: Ensure information is accurate and current.&nbsp; Income proof&nbsp; Income documents help lenders assess repayment capacity.&nbsp; Salaried applicants: Relevant salary and income documents.&nbsp; Self-employed applicants: Financial and business-related records.&nbsp; Supporting documents: Additional proof may be requested depending on the profile.&nbsp; Property documents&nbsp; The property being mortgaged must be properly documented.&nbsp; Ownership records: Documents confirming ownership.&nbsp; Property papers: Relevant property-related records.&nbsp; Supporting documentation: Additional records may be requested during evaluation.&nbsp; Business proof for self-employed applicants Business verification may be required for certain applicants.&nbsp; Business registration records: Supporting proof of operations.&nbsp; Business-related documents: Information relevant to the applicant profile.&nbsp; Additional records: As required during assessment.&nbsp; Bank statements Banking history helps evaluate financial stability.&nbsp; Recent statements: Last 6 months of account statements.&nbsp; Transaction visibility: Supports financial assessment.&nbsp; Cash flow evaluation: Helps establish repayment capability.&nbsp;
<img src="https://cdn.editorji.com/6a3bcc07d65b0_1782303751.png" width="565" height="172"> How lenders evaluate your mortgage loan application?&nbsp; Before approving a <a href="https://www.bajajfinserv.in/mortgage-loan" target="_blank">mortgage loan</a>, lenders typically review multiple aspects of the application.&nbsp; Credit profile and repayment history&nbsp; Past borrowing behaviour often provides insights into repayment discipline.&nbsp; Credit score assessment: Higher scores generally indicate stronger credit health.&nbsp; Repayment history review: Consistent repayments demonstrate reliability.&nbsp; Credit behaviour analysis: Lenders assess overall borrowing patterns.&nbsp; Income and repayment capacity&nbsp; Lenders need confidence that future repayments can be managed comfortably.&nbsp; Income stability: Consistent earnings support affordability.&nbsp; Financial strength: Strong repayment capacity improves confidence.&nbsp; Cash flow evaluation: Existing obligations are also considered.&nbsp; Property assessment&nbsp; The property serves as collateral and therefore requires evaluation.&nbsp; Property value review: Assessment of the property's market value.&nbsp; Location assessment: Evaluation of the property's location and characteristics.&nbsp; Ownership verification: Confirmation of legal ownership records.&nbsp; Documentation review&nbsp; Complete and accurate documentation supports efficient processing.&nbsp; Information verification: Details are reviewed for consistency.&nbsp; Record validation: Documents are checked against application information.&nbsp; Compliance review: Supporting records are evaluated as part of the process.
&nbsp;
<h3>Step-by-step guide to apply for a mortgage loan online </h3>
Understanding each stage of the process can help borrowers prepare effectively.&nbsp; Step 1: Check your eligibility before starting Preparation before applying can improve the overall experience.&nbsp; 1. Review basic requirements: Confirm eligibility based on nationality, age, occupation, and credit profile.&nbsp; 2. Assess affordability: Consider the loan amount you can comfortably repay.&nbsp; 3. Prepare documents: Keep financial and property records ready before beginning the application.&nbsp; Step 2: Start the online application The application process begins with basic verification.&nbsp; 1. Visit the application page: Click on the "Check Eligibility" option.&nbsp; 2. Enter your mobile number: Provide your 10-digit mobile number.&nbsp; 3. Complete OTP verification: Verify your identity securely through OTP authentication.&nbsp; Step 3: Fill in personal and professional details&nbsp; Applicants are required to provide key personal information.&nbsp; 1. Personal information: Enter your name, contact details, and other required information.&nbsp; 2. Employment details: Provide details regarding salaried or self-employed status.&nbsp; 3. Financial information: Share relevant income-related information.&nbsp; Step 4: Provide property information Property details form an important part of the application.&nbsp; 1. Property type: Specify whether the property is residential, commercial, or industrial.&nbsp; 2. Ownership details: Provide relevant ownership information.&nbsp; 3. Property records: Upload or submit supporting documentation where required. Step 5: Select your loan requirements&nbsp; Applicants can choose loan features based on their needs.&nbsp; 1. Loan amount: Select the amount you wish to borrow.&nbsp; 2. Loan variant: Choose between Flexi Term (Dropline) Loan, Flexi Hybrid Term Loan, and Term Loan.&nbsp; 3. Repayment tenure: Select a tenure between 12 and 180 months.&nbsp; Step 6: Submit documents for verification&nbsp; Document verification is a critical stage in the process.&nbsp; 1. Identity verification: Submit applicable KYC documents.&nbsp; 2. Income verification: Provide supporting income records.&nbsp; 3. Property verification: Share property-related documentation.&nbsp; Step 7: Application review and approval&nbsp; The lender reviews all submitted information.&nbsp; 1. Credit assessment: Evaluation of creditworthiness and repayment history.&nbsp; 2. Property assessment: Verification of property details.&nbsp; 3. Final review: Approval based on eligibility and internal assessment criteria.&nbsp; Step 8: Loan sanction and disbursal&nbsp; The final stage completes the borrowing process.&nbsp; 1. Approval confirmation: Receive details regarding the loan sanction.&nbsp; 2. Documentation completion: Final formalities are completed.&nbsp; 3. Fund disbursal: Loan proceeds are transferred after approval and verification.
&nbsp;
<h3>Bajaj Finance Loan Against Property at a glance</h3>
<h3><img src="https://cdn.editorji.com/6a3bce6a7c427_1782304362.png" width="572" height="209"> Conclusion</h3>
Applying for a mortgage loan online has made the borrowing process more accessible, efficient, and convenient than ever before. However, the speed of approval often depends on preparation. Borrowers who understand the documents required for mortgage loan approval, organise their records in advance, and provide accurate information are generally better positioned for a smoother experience.&nbsp; Rather than viewing documentation as a formality, it should be treated as an important part of the application journey. A well-prepared application can help reduce delays, improve processing efficiency, and provide greater confidence throughout the borrowing process.&nbsp; Bajaj Finance Loan Against Property offers funding of up to Rs. 10.50 crore*, repayment tenures of up to 15 years*, and disbursal within 72 hours* of approval, making it a practical financing solution for a wide range of personal and business requirements.&nbsp; *Terms and conditions apply.

Planning to buy a Honda Activa 6G? Check key features, ownership costs, buying considerations and how a two-wheeler loan can help finance your scooter purchase.

Honda Activa 6G: Everything You Need to Know Before Buying

Planning to buy a Honda Activa 6G? Check key features, ownership costs, buying considerations and how a two-wheeler loan can help finance your scooter purchase.

The Honda Activa 6G is one of India&rsquo;s most recognised scooters. It is known for easy handling, daily comfort, useful storage, and city-friendly use. Many buyers choose it for office rides, college trips, market visits, and short family errands.
A scooter purchase also needs financial planning. Apart from the scooter price, buyers should check insurance, registration, accessories, and running costs. A two-wheeler loan can help spread the cost over time. Financing options may support buyers who want to purchase a scooter without paying the full amount upfront.
<h3>Why is the Honda Activa 6G popular among scooter buyers?</h3>
The <a href="https://www.bajajfinserv.in/bmall/honda-activa-6g-standard-decent-blue/p/35482" target="_blank">Honda Activa 6G</a> is popular because it is practical, easy to ride, and suitable for everyday city travel. Many Indian buyers want a scooter that is simple to use, easy to park, and comfortable for daily needs. The Activa 6G fits this purpose well.
Its automatic transmission makes riding simple, even in traffic. Its step-through design makes it easy for different family members to use. The scooter is also known for strong brand recall, which adds to buyer confidence.
Key reasons for its popularity include:
<ul>
<li>Easy to ride in traffic</li>
<li>Practical for daily errands</li>
<li>Comfortable seating</li>
<li>Suitable for family use</li>
<li>Useful storage space</li>
<li>Strong brand recall</li>
</ul>
The Honda Activa 6G can be used for short commutes, grocery runs, school drops, and local travel. This makes it a practical scooter for many Indian homes.
<h3>Who should consider buying the Honda Activa 6G?</h3>
The Honda Activa 6G may suit buyers who want a simple and comfortable scooter for city use. It can be useful for office commuters, college students, senior family members, and families looking for a shared two-wheeler.
Working professionals may find it easy to handle during daily traffic. Students may prefer it for short and regular travel. Families may use it for errands, shopping, and nearby visits.
Buyers comparing Honda bikes and scooters should choose based on their usage. A bike may suit those who want a sportier ride or longer-distance comfort. A scooter may suit those who want easy handling, storage space, and simple operation.
Before choosing, check:
<ul>
<li>Daily travel distance</li>
<li>Storage needs</li>
<li>Seat comfort</li>
<li>Fuel efficiency expectations</li>
<li>Riding posture</li>
<li>Family usage</li>
<li>Ease of handling</li>
</ul>
If your main need is simple city travel, the Honda Activa 6G can be a practical choice.
<h3>What should you check before buying the Honda Activa 6G?</h3>
You should check the total cost, variant options, comfort, ownership expenses, and EMI fit before buying the Honda Activa 6G. This helps you make a clear and planned decision.
The ex-showroom price is only one part of the cost. The final amount may also include registration, insurance, road tax, accessories, and other charges. So, ask the dealer for a full cost estimate before booking.
Use this checklist before you decide:
<ul>
<li>Ex-showroom price and on-road cost estimate</li>
<li>Variant options</li>
<li>Mileage expectation</li>
<li>Seat comfort</li>
<li>Storage space</li>
<li>Service network</li>
<li>Insurance and registration cost</li>
<li>EMI affordability</li>
<li>Test ride experience</li>
</ul>
A test ride is also important. It helps you check comfort, seat height, braking, suspension, and handling. If the scooter will be used by more than one family member, they should also check the riding comfort.
<h3>Why should you use a two-wheeler loan to buy a scooter?</h3>
A <a href="https://www.bajajfinserv.in/two-wheeler-loan" target="_blank">two wheeler loan</a> can help you buy a scooter without paying the full cost at once. This makes ownership easier, especially if you want to manage other monthly expenses.
Many buyers use financing to keep their savings intact. Instead of making one large payment, they can divide the cost into EMIs. This supports better cash flow and planned spending.
A two-wheeler loan can help in these ways:
<ul>
<li>Protects savings</li>
<li>Spreads cost over time</li>
<li>Improves cash flow</li>
<li>Allows earlier purchase</li>
<li>Supports monthly budgeting</li>
<li>Helps buyers choose a suitable variant</li>
</ul>
For example, if you want a higher variant with added convenience, financing may help you manage the price difference. But the EMI should always fit your monthly budget.
<h3>What should you consider before applying for a two-wheeler loan?</h3>
You should check your income, monthly expenses, EMI comfort, tenure, charges, documents, and eligibility before applying for a two-wheeler loan. This helps make the loan journey smoother.
Start by reviewing your monthly budget. Your EMI should not make your regular expenses difficult to manage. A longer tenure may reduce the EMI, while a shorter tenure may help you close the loan faster. Choose based on your repayment comfort.
Before applying, check:
<ul>
<li>Monthly income and fixed expenses</li>
<li>Comfortable EMI amount</li>
<li>Loan tenure preference</li>
<li>Down payment, if applicable</li>
<li>Processing fees and other charges</li>
<li>Required documents</li>
<li>Eligibility criteria</li>
</ul>
Also, check the total cost of the loan. This includes interest, fees, and other applicable charges. Looking beyond the EMI helps you make a better decision.
<h3>How can a two-wheeler loan support your Honda Activa 6G purchase?</h3>
A two-wheeler loan can help buyers fund their Honda Activa 6G purchase through structured repayment options. It can be a useful choice for those who want to manage the cost of ownership over time rather than making a single upfront payment.
A two-wheeler loan may be suitable for first-time buyers, salaried professionals, self-employed individuals, and families planning a scooter purchase. Buyers can compare available financing options and select a repayment plan that aligns with their budget.
Key features include:
<ul>
<li>Up to 100% financing* of the on-road price</li>
<li>Loan amount ranging from Rs. 35,000 to Rs. 21 lakh</li>
<li>Flexible tenure options from 6 to 84 months</li>
<li>Simple eligibility criteria</li>
<li>Minimal documentation</li>
</ul>
With the Bajaj Finance Two-wheeler Loan, buyers can plan their scooter purchase in a more organised way. It can also help them avoid using a large part of their savings at once.
The Honda Activa 6G is a practical scooter for city use. It offers simple handling, daily comfort, storage convenience, and strong familiarity among Indian buyers. Before deciding, buyers should check the cost, comfort, features, test ride experience, and ownership needs.
The Bajaj Finance Two-wheeler Loan can help buyers fund their scooter purchase with ease. By reviewing your budget, checking EMI comfort, and exploring suitable financing options, you can plan your Honda Activa 6G purchase with more confidence.

Understand all major ULIP charges including premium allocation, mortality, and fund management fees to evaluate returns and choose the right investment plan.

How much does a ULIP plan really cost? A break-down of all charges

Understand all major ULIP charges including premium allocation, mortality, and fund management fees to evaluate returns and choose the right investment plan.

When exploring a ULIP plan, many investors focus mainly on returns and benefits. But understanding the charges involved is equally important. Like any financial product, ULIPs come with certain costs that help manage your investments and insurance coverage.
The good news is that modern ULIPs have become far more transparent and cost-efficient than before. Once you understand the different <a href="https://www.bajajfinserv.in/insurance/ulip-charges" target="_blank">ULIP charges</a>, it becomes easier to evaluate whether the plan suits your financial goals.
<h3>What are ULIP charges?</h3>
A ULIP, or Unit Linked Insurance Plan, combines life insurance with market-linked investments. To manage these services, insurers deduct specific charges from your premium or fund value.
These charges cover policy administration, fund management, and life insurance protection.
Knowing these costs helps you make informed investment decisions and avoid surprises later.
<h3>Common ULIP charges explained</h3>
Here are the main charges usually associated with a ULIP plan:
Premium allocation charge:
This charge is deducted from the premium before the money is invested. It is generally higher during the initial policy years and may reduce over time.
It covers expenses related to distribution and policy setup.
Policy administration charge:
This is a regular fee charged for maintaining your policy throughout its tenure. It is usually deducted monthly by cancelling units from your investment fund.
Fund management charge:
Since ULIPs invest in market-linked funds, insurers charge a fee for managing these investments.
The charge depends on the type of fund you choose, such as equity, debt, or balanced funds.
Mortality charge
This charge provides life insurance coverage under the <a href="https://www.bajajfinserv.in/insurance/ulip-plans" target="_blank">ULIP plan</a>. It depends on factors like:
<ul>
<li>Age</li>
<li>Sum assured</li>
<li>Health condition</li>
<li>Lifestyle habits</li>
</ul>
Typically, younger investors pay lower mortality charges.
Fund switching charge:
Most ULIPs allow investors to switch between funds based on market conditions or changing financial goals.
Many insurers offer a limited number of free switches every year. Additional switches may attract charges.
Partial withdrawal charge:
Some ULIPs may charge a fee for partial withdrawals after the lock-in period, although many plans now offer free withdrawals within limits.
<h3>Why understanding ULIP charges matters</h3>
Knowing the complete cost structure of a ULIP plan helps you:
<ul>
<li>Compare plans better</li>
<li>Estimate long-term returns realistically</li>
<li>Choose suitable fund options</li>
<li>Avoid unnecessary costs</li>
</ul>
Even small differences in charges can impact your final investment value over the long term.
<h3>Are ULIP charges worth it?</h3>
For many investors, ULIPs offer value because they combine insurance and investment in one plan. Along with market-linked growth opportunities, they also provide:
<ul>
<li>Life cover</li>
<li>Tax benefits</li>
<li>Long-term financial discipline</li>
<li>Flexible fund switching </li>
</ul>
If chosen carefully and held for the long term, the benefits may outweigh the costs for many investors.
<h3>Tips to minimise ULIP charges</h3>
Here are a few smart ways to manage costs effectively:
<ul>
<li>Invest early to benefit from lower mortality charges</li>
<li>Stay invested for the long term</li>
<li>Avoid frequent fund switching</li>
<li>Compare plans before investing</li>
<li>Choose a plan aligned with your financial goals</li>
</ul>
&nbsp;
<h3>Conclusion</h3>
A ULIP plan involves different charges that support policy management, investments, and life insurance coverage. Understanding these ULIP charges can help you make smarter financial decisions and evaluate the true value of your investment.
Before investing, always review the benefit illustration, compare charges across plans, and focus on long-term financial goals rather than short-term market movements.

The Centre plans to raise Rs 8.2 lakh crore through dated securities in the first half of 2026-27 to bridge the fiscal gap, as part of its overall reduced gross market borrowing target of Rs 16.09 lakh crore.

Centre plans to borrow Rs 8.20 lakh cr from market in first half of FY27

The Centre plans to raise Rs 8.2 lakh crore through dated securities in the first half of 2026-27 to bridge the fiscal gap, as part of its overall reduced gross market borrowing target of Rs 16.09 lakh crore.

The Centre is planning to mobilise Rs 8 lakh crore through dated securities during the April-September period of 2026-27 to fund the revenue gap, the finance ministry said on Friday.
Gross Market Borrowings in BE 2026-27 were Rs 17.20 lakh crore. Since the Budget presentation, switches of G-Sec were conducted, reducing Gross Market borrowing to Rs 16.09 lakh crore, it said.
"Of Rs 16.09 lakh crore, Rs 8.20 lakh crore (51 per cent) is planned to be borrowed in H1 through issuance of dated securities, including Rs 15,000 crore of Sovereign Green Bonds (SGrBs)," it said.
Finance Minister Nirmala Sitharaman, in the Budget, proposed to borrow Rs 17.2 lakh crore to fund its fiscal deficit projected at 4.3 per cent of the GDP.
In absolute terms, the fiscal deficit is pegged at Rs 16.9 lakh crore for 2026-27.
"To finance the fiscal deficit, the net market borrowings from dated securities are estimated at Rs 11.7 lakh crore. The balance financing is expected to come from small savings and other sources. The gross market borrowings are estimated at Rs 17.2 lakh crore," she had said while delivering the Budget 2026-27.
According to the statement, the Gross Market Borrowings of Rs 8.2 lakh crore shall be completed through 26 weekly auctions.
The market borrowing will be spread over 3, 5, 7, 10, 15, 30, 40 and 50-year securities, it said.
The share of borrowing (including SGrBs) under different maturities will be: 3-year (8.1 per cent), 5-year (15.4 per cent), 7-year (8.1 per cent), 10-year (29 per cent), 15-year (14.5 per cent), 30-year (7.3 per cent), 40-year (8 per cent) and 50-year (9.6 per cent).
To enable institutional and retail investors to plan their investments efficiently and to provide transparency and stability to the Government Securities market, the government, in consultation with the Reserve Bank of India (RBI), plans to do weekly borrowing ranging from Rs 28,000 crore to Rs 34,000 crore during the period.
All the auctions covered by the calendar will have the facility of non-competitive bidding under which five per cent of the notified amount will be reserved for the specified retail investors, it said.
Like in the past, it said, the government, in consultation with the RBI, will continue to have the flexibility to bring about modifications in the above calendar in terms of notified amount, issuance period, maturities, etc. and to issue different types of instruments, including instruments having non-standard maturity, floating rate bonds (FRBs), inflation indexed bonds (IIBs), depending upon the requirement, evolving market conditions and other relevant factors, after giving due notice to the market.
The calendar is subject to change, if circumstances so warrant, including for reasons such as intervening holidays, it said.
About switch/buyback of dated securities through auction, it said, they are done to smoothen the redemption profile.
"Switches of dated securities through auction will be conducted on the third Monday of every month or at more frequent intervals. In case the third Monday is a holiday, the switch auction will be conducted on the fourth Monday of the month," it said.
The Centre will continue to reserve the right to exercise the greenshoe option to retain an additional subscription of up to Rs 2,000 crore against each of the securities indicated in the auction notifications, it said.
Weekly borrowing through issuance of Treasury Bills (T-Bills) in the first quarter (Q1) of FY 2026-27 is expected to be Rs 24,000 crore for 12 weeks with issuance of Rs 12,000 crore under 91-day T-Bills, Rs 6,000 crore under 182-day T-Bills and Rs 6,000 crore under 364-day T-Bills.
To take care of temporary mismatches in government accounts, the RBI has fixed the Ways and Means Advances (WMA) limit for H1 of FY 2026-27 at Rs 2.50 lakh crore.

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