Finance

RBI ne Repo Rate 25 BPS Kam Karke 5.25% Kar Diya

by

RBI ne Repo Rate 25 BPS Kam Karke 5.25% Kar DiyaRBI ne Repo Rate 25 BPS Kam Karke 5.25% Kar Diya – Home Loan Aur Market Ko Milega Bada Boost!

Reserve Bank of India (RBI) ne apni last bi-monthly Monetary Policy Committee (MPC) meeting December 2025 me bada decision lete hue repo rate ko 25 basis points (0.25%) kam karke 5.25% kar diya hai. Ye decision unanimously liya gaya hai. Is step ka seedha faayda banking, real estate aur consumer durables jaise rate-sensitive sectors ko hone wala hai.
Experts ke mutabik, repo rate kam hone se market me liquidity badegi aur spending ko boost milega. Saath hi, new home loan lene wale borrowers ke liye ye ek badi relief ki khabar hai. Repo rate kam hone ke baad banks, NBFCs aur financial institutions apne loan interest rates bhi lagbhag 25 bps tak kam kar sakte hain, jisse home loan EMI bhi kam ho jayegi.
Monetary Policy Stance Abhi Bhi Neutral
RBI ne clarify kiya hai ki monetary policy stance abhi bhi “neutral” hi rahega. Matlab future me situation dekh kar hi aage ke rate cut ya hike par decision liya jayega.
Liquidity Badhane Ke Liye Bade Steps
Repo rate cut ke saath-saath RBI ne market me liquidity inject karne ke liye kuch aur bade announcements bhi kiye:
RBI is maheene ₹1 lakh crore ke Government Securities ka Open Market Operation (OMO) purchase karega.
Central bank 3-year buy/sell Dollar-Rupee swap bhi karega jiska value $5 billion hoga.
Pehle Kab Cut Hua Tha Repo Rate?
Isse pehle June 2025 ki policy review me RBI ne repo rate ko 50 basis points kam karke 6% se 5.50% kar diya tha. Usi time monetary stance ko “accommodative” se badal kar “neutral” kar diya gaya tha.
Inflation Me Kami, Growth Ko Support Ka Mauka
RBI Governor Sanjay Malhotra ne kaha:
“MPC ne conclude kiya hai ki inflation me kaafi acchi moderation dekhne ko mili hai. Saath hi, global uncertainties aur tariff related developments H2:2025-26 aur aage ke growth ko slow kar sakte hain. Aise me current macroeconomic conditions growth ko support karne ka policy space create karti hain.”
Lekin MPC ne ye bhi maana ki jo pehle ke monetary policy actions aur recent fiscal measures liye gaye hain, unka full impact abhi nikal kar aana baaki hai. Isi wajah se MPC ne agle steps lene se pehle thoda wait karna zyada sahi samjha.
Isiliye MPC ne policy repo rate ko 5.5% par stable rakhne ka decision liya aur stance ko neutral hi rakha.

Home Loan EMI Kitni Kam Hogi?

Ab sawaal ye hai ki repo rate cut ke baad home loan EMI me kitna fark padega?
Tax & investment expert Pankaj Mathpal ke mutabik:
Agar aap ₹50 lakh ka home loan 20 saal ke liye 8% interest par lete ho, to pehle EMI lagbhag ₹41,822 thi, jo ab kam hokar ₹41,047 ho sakti hai.
Agar wahi loan 15 saal ke liye liya jaye, to EMI ₹47,783 se ghat kar lagbhag ₹47,064 ho sakti hai.
Shiv Garg (Forteasia Realty) ke mutabik:
Aaj ke time me home loan interest rates 7.40% se 8.10% ke beech chal rahe hain, CIBIL score par depend karta hai. Agar koi ₹35 lakh ka home loan 20 saal ke liye 8% par leta hai, to uski EMI lagbhag ₹582 tak kam ho sakti hai.

RBI MPC December 2025 – Key Highlights

* Repo rate 25 bps kam hokar 5.25% hua.

* $5 billion ka 3-year Dollar-Rupee swap hoga liquidity ke liye.

* Real GDP Growth 7.3%, full fiscal ke liye 0.5% ka upgrade.

* Q2 me GDP growth 8.2% rahi, strong consumption spending ke chalte.

Final Verdict
RBI ka ye repo rate cut economy ke liye ek positive signal hai. Isse loans saste honge, spending badhegi aur real estate jaise sectors ko strong support milega. Home loan lene ka soch rahe logon ke liye ye time kaafi accha ho sakta hai.
Disclaimer:
Ye article sirf education purpose ke liye hai. Yahan diye gaye views individual experts ke hain. Koi bhi investment decision lene se pehle certified financial advisor se salah lena zaroori hai.

Read more

Meesho IPO Day 1 GMP & Key Highlights 

by

Meesho IPO Day 1 GMP & Key Highlights 
⭐ Meesho IPO Day 1 GMP & Key Highlights 

Meesho ka IPO khulte hi Day 1 par kaafi buzz create kar raha hai. Opening ke kuch hi ghanton mein IPO 0.42 times subscribe ho gaya.
Retail investors ne toh zabardast interest dikhaya — unhone apne allotted shares ka 1.57 times tak bid kiya.
Non-institutional investors ka subscription 0.49 times raha.

Arihant Capital Markets ke Head of Research, Abhishek Jain, kehte hain ki Meesho abhi markets me “most compelling option” dikhta hai, jiske baad Aequs ka number aata hai. Unke mutabik, company ka business model kaafi evolve ho raha hai aur profitability mein bhi strong turnaround dekhne ko mil raha hai — especially EBITDA margins mein improvement.

📌 Meesho IPO Key Details

  • IPO Size: ₹5,421.2 crore

  • Fresh Issue: ₹4,250 crore

  • Offer For Sale (OFS): ₹1,171.2 crore

  • IPO Dates: 3 December – 5 December

  • Price Band: ₹105 – ₹111 per share

  • Face Value: ₹1

  • Lot Size (Retail): 135 shares

  • Expected Listing Date: 10 December

  • Share Allotment: 8 December

Day 1 par Meesho retail quota 1 hour ke andar hi fully subscribe ho gaya tha. Kul milaakar bidders ne 11.75 crore shares, yani ki 42% of total 27.79 crore shares, ke orders place kiye.

💹 GMP (Grey Market Premium)

Unlisted market mein Meesho ka share 41% premium par trade ho raha hai.
Note: GMP unofficial hota hai — ye listing day par actual performance guarantee nahi karta.

🧲 Market Cap & Promoter Holding

Agar IPO top-end price ₹111 par list hota hai, toh Meesho ki market cap lagbhag ₹50,000 crore hogi.
Promoter holding IPO ke baad 19.08% se ghat kar 16.76% reh jaayegi.

🏦 Anchor Investors Response

IPO launch se pehle Meesho ne anchor investors se ₹2,439.5 crore raise kiye.
Total 21.98 crore shares anchor investors ko ₹111 per share par allot kiye gaye.

Is anchor book ka 43% hissa (9.37 crore shares) 14 top domestic mutual funds ne liya — jaise:

  • SBI

  • Aditya Birla Sun Life

  • Axis

  • HSBC
    Aur bhi bahut saare.

Bade global investors jaise Government of Singapore, Tiger Global, BlackRock, Fidelity, Morgan Stanley, etc., bhi iss round ka hissa rahe.

🛒 Meesho – Business Overview

2015 me shuru hua Meesho ek multi-sided e-commerce technology platform hai jo consumers, sellers, logistics partners aur content creators ko jodta hai.

Company ka core revenue aata hai:

  • Seller services

  • Order fulfilment

  • Advertising

  • Seller insights

Lead managers hain:

  • Kotak Capital

  • JPMorgan

  • Morgan Stanley

  • Axis Capital

  • Citigroup

Read more

Silver price zoom 91% YTD record high above 1.8 lakh

by

Silver price zoom 91% YTD record high above 1.8 lakh

Silver price zoom 91% YTD record high above 1.8 lakh – Gold Ko Bhi Peeche Chhoda! 

Silver ne Monday ko MCX par ek aur all-time high touch kar diya, lagbhag 2% tak jump hote hue. Gold bhi rally mein saath tha, lekin performance mein silver ne gold ko kaafi peeche chhod diya. Global bullion markets mein bhi strong momentum dekhne ko mila, jiska major reason tha weak US dollar aur US Federal Reserve ke further interest rate cuts ki expectations.

MCX Prices Update

  • Silver (MCX): ₹1,78,649 per kg tak jump (up 2.09%)

  • Gold (MCX): ₹1,30,794 per 10g tak rally (up 0.99%)

1:30 PM tak:

  • Silver ₹1,77,610 per kg (up ₹2,629 ya 1.50%)

  • Gold ₹1,30,911 per 10g (up ₹1,407 ya 1.09%)

International Market

  • Spot silver: $56.99/oz (session mein all-time high $57.86)

  • Spot gold: $4,235.59/oz (October 21 ke baad highest level)

  • US gold futures (Dec): $4,269.40

Silver futures (March 2026) lagatar 7th session me green zone me rahe, aur is period me ₹21,245 (13.5%) ka bada jump dekhne ko mila.

Silver Rally Ke Major Reasons

1. Weak US Dollar

Dollar index 99.43 tak slip hua – precious metals ke liye positive news.

2. Weak Indian Rupee

Rupee ki weakness ne domestic market me gold–silver prices ko aur bhi boost kiya.

3. Supply Crunch in Silver

  • China ke inventories 10 saal ke lowest level par.

  • China ke silver exports October me all-time high (660 tonnes+) par.

  • London me supply squeeze ke kaaran heavy shipments.

Reliance Securities ke Senior Analyst Jigar Trivedi ke hisaab se supply concerns + Fed rate cuts ki expectations ne silver ko strong push diya hai.

4. Technical Charts Turning Bullish

Mehta Equities ke Rahul Kalantri ke mutabik silver ke charts last week se kaafi bullish ho gaye hain, jisse speculators long positions le rahe hain.

5. Safe-Haven Demand

CME exchange par data center overheating ke kaaran trading halt hone ke baad safe-haven buying aur strong ho gayi.

2025 Returns So Far

  • Gold: +66% YTD

  • Silver: +91% YTD (gold se double speed!)

Last 3 months:

  • Gold: +25%

  • Silver: +40%+

Kya Silver Gold Se Better Perform Karna Continue Karega? (2026 Outlook)

Experts ka maanna hai ki:

✔ Gold ko central banks ki heavy buying ka support milta rahega
✔ Lekin silver ka advantage double side se aata hai — investment demand + industrial demand

Jigar Trivedi ke hisaab se 2026 me silver ke liye strong reasons yeh hain:

Silver Bullish Kyun Lag Raha Hai?

  • Industrial demand boom: Solar panels, electronics, EVs me silver ki heavy requirement.

  • Structural supply deficit: Demand >>> Supply.

  • Lower interest rates ka support: Fed rate cuts precious metals ke liye bullish hote hain.

Price Levels to Watch

  • COMEX Silver:

    • Support: $52

    • Resistance: $60–62

  • MCX Silver (March 2026):

    • Support: ₹1,68,000

    • Resistance: ₹1,87,000

Final Word

2026 me silver ka momentum strong rehne ke chances hain — lekin kyunki silver heavily industrial metal bhi hai, agar global slowdown aata hai toh volatility dekhne ko mil sakti hai.

Disclaimer: Yeh views market experts ke hain and not of trueincome. Investment karne se pehle certified advisor se consult zaroor karein.

Read more

Gold Price 2026 Me New Record Banayega

by

Gold Price 2026 Me New Record Banayega
Gold Price 2026 Me New Record Banayega? Goldman Sachs Survey Ne Bataya Sach

Goldman Sachs ke ek naye survey ke according, lagbhag 70% global institutional investors ka maanna hai ki 2026 me gold ki prices aur upar jayengi aur naye all-time highs ban sakte hain.

Ye survey bank ke Marquee platform par 12–14 November ke beech conduct hua jisme 900+ clients ne apne views share kiye.

Investors Kya Expect Kar Rahe Hain?

  • 36% respondents ka kehna hai ki gold $5,000 per ounce ke upar chala jayega end-2026 tak.

  • 1/3 investors maan rahe hain ki price $4,500–$5,000 ke beech rahegi.

  • Sirf 5% se thode zyada logon ko lagta hai ki price $3,500–$4,000 range me gir sakti hai.

Gold Kyun Badhega 2026 Me?

Survey ke hisaab se gold price badhne ke do major reasons honge:

  1. Central Banks ki heavy gold buying – sabse bada catalyst.

  2. Fiscal concerns – jise 27% participants ne second-major driver maana.

Interest-rate cuts ke expectations aur central banks ki strong demand ne hi is saal gold ko multiple record highs tak pahunchaya hai. Precious metal 61% YTD up hai aur third consecutive year double-digit gains de raha hai, jabki pichle month hi gold ne $4,000 mark cross kiya tha.

MCX Gold & Silver Price Update

28 November ko MCX par:

  • MCX Gold (Dec expiry): ₹1,26,920 per 10g
    ➤ Up ₹1,416 (1.13%)

  • MCX Gold (Feb 2026): ₹1,29,599 per 10g
    ➤ Up ₹1,932 (1.51%)

  • MCX Silver (Feb 2026): ₹1,75,650 per 1kg
    ➤ Up ₹278 (0.16%)

  • MCX Silver (Mar 2026): ₹1,75,340 per 1kg
    ➤ Up ₹359 (0.21%)

Kya Aapko MCX Par Gold & Silver BUY Karna Chahiye?

Nirmal Bang ke 1 December ke technical report ke mutabiq:

🔶 Gold View

✔ Prices rise kar sakti hain
✔ Buy at ₹1,30,000
✔ Stop loss: ₹1,29,500
✔ Target: ₹1,30,700 – ₹1,31,200

🔶 Silver View

✔ Prices rise kar sakti hain
✔ Buy at ₹1,77,000
✔ Stop loss: ₹1,75,000
✔ Target: ₹1,80,000 – ₹1,82,500

Disclaimer

Yeh sab market experts ka view hai, trueincome ka nahi. Investment karne se pehle apne financial advisor se zaroor consult karein.

Read more

ITR Refund Delay FY24-25

by

ITR Refund Delay FY24-25

Is saal ITR filing ki deadline 16 September thi, aur taxpayers kaafi time se apne tax refund ka wait kar rahe hain. Kai logon ko refund mil chuka hai, lekin bahut saare taxpayers abhi bhi delay se pareshaan hain.

Income Tax Refund Delay – Kya ho raha hai?

FY 2024-25 (AY 2025-26) ke ITR refunds expected time se late aa rahe hain. Logon ne months pehle ITR file kiya tha, phir bhi refund abhi tak credit nahi hua.

ITR Refund Delay ka reason – CBDT Chairman ka statement

CBDT Chairman Ravi Agrawal ne bataya ki refund delay ka main reason hai:

  • Department abhi wrongful deductions aur galat refund claims ko analyse kar raha hai.

  • Kuch refunds high-value ya system dwara red-flagged category me aaye hain.

  • Isliye unka processing time thoda zyada lag raha hai.

Unhone kaha:

“Low-value refunds release ho rahe hain. Kuch jagah par galat deductions claim kiye gaye the. Ye ek regular process hai.”

Official data ke hisaab se, April 1 se November 10 ke beech ITR refunds 18% kam ho kar ₹2.42 lakh crore par aa gaye hain.

Department ne taxpayers ko ye bhi bola hai ki agar unhone ITR me koi galti chhod di hai to revised return file kar dein.

Pendency kyu zyada thi?

COVID ke time par pending cases accumulate ho gaye the. CBDT ke according:

  • Is saal appeals ka disposal 40% zyada hua hai last year ke comparison me.

  • Saal ke end tak aur bhi zyada appeals dispose ho jayengi.

ITR Refund kab milega?

Ravi Agrawal ne confirm kiya:

“Bache hue refunds hum November ya December tak release kar denge.”

Simple aur low-value returns usually pehle process ho jate hain. Complex ya red-flagged cases thoda time lete hain.

ITR Refund Status Online Kaise Check Karein? (Step-by-Step Guide)

  1. Income Tax Portal par jaiye:
    Income tax portal

  2. Login karein apne User ID, Password aur OTP se.

  3. e-File menu par click karein.

  4. Refund/Demand Status section open karein.

  5. Assessment Year select karein:
    AY 2025-26

  6. ‘View Details’ par click karein.

Aapke refund ka current status screen par show ho jayega — jaise processed, sent to bank, returned, failed, ya delayed.

Key Takeaways

  • Taxpayers ko apne refunds agle month tak credit hone ki umeed rakhni chahiye.

  • Income Tax Department pichhle saalon ke comparison me processing time improve karne ki koshish kar raha hai.

  • Pending ITR refunds ka status check karne ke liye steps follow kiye ja sakte hain.

Read more

Bitcoin: What Is Bitcoin? How It Works?

by

Bitcoin: What Is Bitcoin? How It Works?

Bitcoin: What Is Bitcoin? How It Works? (2025 Mega Guide)

Bitcoin — naam to suna hi hoga. Lekin 2025 me Bitcoin sirf ek “digital coin” nahi raha. Yeh ek ultimate financial revolution ban chuka hai jo duniya bhar ke log use kar rahe hain — chahe investment ho, payment ho, ya wealth protection.

Is guide me hum Bitcoin ko ekdum simple, real examples ke saath, step-by-step Hinglish me samjhenge.
Chaliye shuru karte hain.

Bitcoin Kya Hai? (2025 Updated)

Bitcoin ek decentralized digital currency hai — matlab iska koi owner nahi, koi bank nahi, aur koi single authority nahi.
Yeh 24/7 chalne wala digital paisa hai jo blockchain naam ki public technology par operate karta hai.

Agar aap ise Paytm balance se compare karo, to farq yeh hai:

  • Paytm ka balance ek company hold karti hai

  • Bitcoin kisi company ka nahi hota — aapka paisa blockchain par stored hota hai

  • Kisi government ka control nahi hota

  • Koi bhi duniya me kahin se bhi use kar sakta hai

Isliye Bitcoin ko aksar “Digital Gold” bhi bola jata hai.

How Bitcoin Works? (2025 Guide)

Bitcoin ka puri system teen basic cheezon par chalti hai:

1. Blockchain – The Public Ledger

Blockchain ek open notebook jaisa hai jise duniya ka koi bhi dekh sakta hai.
Har transaction permanent record hoti hai — koi delete nahi kar sakta.

Example:
Rohan ne Priya ko 0.01 Bitcoin bheja.
Yeh transaction blockchain me likh diya jayega — forever.

2. Wallet – Aapka Personal Bitcoin Bank

Bitcoin rakhne ke liye Bitcoin Wallet chahiye.
Wallet = App + Your Personal Keys

  • Public Key → Bank account number

  • Private Key → ATM PIN (Kabhi bhi share mat karna!)

Popular wallets:

  • Trust Wallet

  • Coinbase Wallet

  • Binance Web3 Wallet

Wallet aapko complete control deta hai — yeh Bitcoin ki sabse powerful baat hai.

3. Mining – Bitcoin Ka Janam

Mining ek tech process hai jisme duniya bhar ke computers tough math problems solve karte hain.
Reward? New Bitcoins.

2025 me mining highly competitive ho chuka hai — but isse Bitcoin network super secure ban jata hai.

Why Bitcoin Is Trending in India (2025 Insight)

India me pichle kuch saalon me Bitcoin ka craze explode hua hai. Reason simple hai:

✔ Digital economy grow ho rahi hai
✔ Log inflation se bachna chahte hain
✔ Crypto tax rules clear ho gaye hain
✔ Global payments easy ho gaye hain
✔ No bank delays, no high fees
✔ Young generation digital assets me trust karti hai

Bitcoin ek borderless paisa ban chuka hai.

Bitcoin Ke Benefits 

1. High-Level Security

Blockchain almost unhackable system provide karta hai.

2. Worldwide Access

Duniya me kahin bhi instantly paise bhejo — without banks.

3. Strong Investment Potential

Long-term investors Bitcoin ko Digital Gold maante hain.

4. Pure Freedom & Control

No government freeze, no bank rules — aapka paisa, aapki control.

Bitcoin Risks (2025 Me Kya Dhyan Rakhein)

⚠ Market extremely volatile
⚠ Private key lose → funds gone forever
⚠ Fake projects & scams
⚠ Refund system nahi hota

Golden Rule:
Kabhi bhi apni saari savings crypto me mat daalna.

Bitcoin Me Kaise Invest Karein? 

H4: Step 1 – Choose Trusted Exchange

H4: Step 2 – KYC Complete

Aadhar + PAN required.

H4: Step 3 – Deposit Money

UPI, bank transfer, wallet — sab available.

H4: Step 4 – Buy Bitcoin

₹100 se bhi start kar sakte ho.

H4: Step 5 – Store in Safe Wallet

Exchange me mat chhodo — Wallet me transfer karo.

What To Do (✔) and What NOT To Do (❌)

✔ Do This

✔ Small amount se start karo
✔ Long-term plan banao
✔ Wallet security strong rakho
✔ Market research karo

❌ Avoid This

❌ FOMO me invest mat karo
❌ Private key share mat karo
❌ Loan ya credit card se crypto mat lo

Conclusion: Kya Bitcoin Future Hai? 

2025 me Bitcoin ek coin se badhkar ek global movement ban chuka hai.
Agar aap patience rakhte ho, security follow karte ho, aur long-term sochte ho — Bitcoin aapki financial journey ko seriously upgrade kar sakta hai.

Yeh koi guaranteed profit machine nahi,
but agar smartly use kiya jaye, to yeh life-changing digital asset ban sakta hai.

Read more