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Bill Gates Foundation has stunned markets by drastically reducing its stake in Microsoft by almost 65% in the third quarter of 2025. As per new 13F data, the foundation has dumped 17,000,000 shares of Microsoft, equivalent to 64.91% reduction. According to reports, the average selling point of Microsoft shares during Q3, 2025 was $510.13, resulting in a total cash inflow of approximately $8.7 billion for the trust. The move caused a 17.7% drop in the portfolio’s value, leading to concerns since Microsoft has always been the foundation’s main and most reliable investment.

Other shares dumped by Gates Foundation

In addition to Microsoft, Gates Foundation has also trimmed its Berkshire Hathaway shares. The foundation has sold 2,358,460 shares at an average $484.36 price. This led to an overall reduction of -9.78% Berkshire Hathaway stock reduction and a -2.4% portfolio impact.Also, the foundation fully exited the Crown Castle. It sold all its 1,420,072 shares for a -0.31% impact and liquidated all 755,089 UPS shares for a -0.16% impact.Gates Foundation – Top 10 Holdings (Q3 2025)

Gates Foundation also sold United Parcel Service Inc’s all 755,089 shares, causing a -0.16% impact on the portfolio.The decision by the Gates Foundation to sell Microsoft shares has immediately reduced the trust’s overall portfolio value by 17.7%, triggering concern because Microsoft has long been the foundation’s most important and stable investment. Even with the recent sale, Microsoft shares remain up 21.7% this year, despite a minor dip over the past three months.

What experts say

While some experts worry that Gates Foundation reducing its Microsoft shares may signal caution about tech valuation, others say the dramatic reduction appears to be a strategic rebalancing rather than a loss of confidence in Microsoft. The trust has historically held a highly concentrated portfolio, with nearly 67% of its assets tied to just three companies. Reducing the Microsoft stake helps ease that concentration risk while funding future philanthropic commitments.Despite the shake-up, the foundation continues to hold billions in Microsoft stock, signalling that the long-standing relationship remains firmly intact.The foundation trust—valued around $49 billion—must raise substantial capital to support expanding global programmes, making the sale of high-value Microsoft shares a straightforward source of liquidity.

Bill Gates to donate 99% of his wealth

The move comes as Bill Gates continues his long-term commitment to donate nearly all his wealth. Gates, whose net worth is estimated at about $106 billion, has previously pledged to give away 99% of his fortune by 2045. Speaking at the African Union (AU) headquarters in Addis Ababa, Ethiopia earlier this year, Gates said: “I recently made a commitment that my wealth will be given away over the next 20 years. The majority of that funding will be spent on helping you address challenges here in Africa.”

Gold and silver prices retreated on Monday as traders pared positions following hawkish remarks from US Federal Reserve officials, which weakened hopes of a rate cut in the upcoming policy meeting. The shift in sentiment pulled bullion prices lower after last week’s strong rally.On the Multi Commodity Exchange (MCX), gold futures for December delivery slipped by Rs 1,229, or 0.99 per cent, to Rs 1,22,332 per 10 grams. The February 2026 contract also declined by Rs 1,207, or 0.96 per cent, to Rs 1,24,101 per 10 grams. This comes after gold futures had gained Rs 2,494, or 2.06 per cent, over the previous week.Silver futures also extended their losses for a second consecutive session. The December contract dropped by Rs 1,944, or 1.25 per cent, to Rs 1,54,074 per kilogram, while the March 2026 contract fell Rs 1,971, or 1.24 per cent, to Rs 1,56,862 per kg. Last week, silver had rallied by Rs 8,290, or 5.61 per cent.As per news agency PTI, analysts noted that precious metals weakened as traders positioned themselves ahead of a busy week of delayed US economic data releases. The upcoming non-farm payrolls report, in particular, is expected to offer crucial cues for the Fed’s policy path. A stronger dollar—up 0.17 per cent at 99.46—also added pressure on gold.In global markets, Comex gold futures for December delivery fell 0.42 per cent to $4,077.04 per ounce, after rising $84.4 (2.10 per cent) last week. Silver slipped 0.28 per cent to $50.54 per ounce. Analysts said investors are bracing for a flurry of US economic indicators, the Fed’s meeting minutes and speeches from key officials, including Chair Jerome Powell.

Gold Rate Today: City-wise Prices

Gold rate in Bengaluru today

In Bengaluru, 24K gold is priced at ₹12,497 per gram, while 22K gold stands at ₹11,455 per gram. The 18K rate is ₹9,373 per gram. Compared to yesterday, 24K fell by ₹11, 22K dropped by ₹10, and 18K declined by ₹8.

Gold rate in Delhi today

In Delhi, 24K gold is retailing at ₹12,512 per gram and 22K at ₹11,470 per gram, with 18K gold at ₹9,388. Prices dipped by ₹11 for 24K, ₹10 for 22K and ₹8 for 18K since yesterday.

Gold rate in Mumbai today

Mumbai recorded 24K gold at ₹12,497 per gram and 22K gold at ₹11,455 per gram. The 18K rate stood at ₹9,373 per gram. All categories fell from yesterday—24K by ₹11, 22K by ₹10 and 18K by ₹8.

Gold rate in Chennai today

In Chennai, 24K gold is trading at ₹12,589 per gram, while 22K gold is at ₹11,540. The 18K rate stands at ₹9,625 per gram. Since yesterday, 24K slipped by ₹11, 22K by ₹10 and 18K saw a sharper drop of ₹15.

Gold rate in Kolkata today

Kolkata recorded 24K gold at ₹12,497 per gram and 22K at ₹11,455 per gram. The 18K gold rate is ₹9,373 per gram. Prices declined by ₹11, ₹10 and ₹8 respectively from yesterday.

Gold rate in Hyderabad today

In Hyderabad, 24K gold is priced at ₹12,497 per gram and 22K at ₹11,455, while 18K gold costs ₹9,373 per gram. All categories saw a fall—₹11 for 24K, ₹10 for 22K and ₹8 for 18K.

Gold rate in Ahmedabad today

Ahmedabad recorded 24K gold at ₹12,502 per gram and 22K at ₹11,460 per gram. The 18K rate was ₹9,378. Prices fell by ₹11, ₹10 and ₹8 respectively from yesterday.

Gold rate in Jaipur today

In Jaipur, 24K gold stands at ₹12,512 per gram and 22K gold at ₹11,470, while 18K is priced at ₹9,388 per gram. All categories declined—24K by ₹11, 22K by ₹10 and 18K by ₹8.

Gold rate in Bhubaneswar today

Bhubaneswar saw 24K gold trading at ₹12,497 per gram, 22K at ₹11,455 and 18K at ₹9,373. Prices dropped by ₹11, ₹10 and ₹8 respectively compared to yesterday.

Gold rate in Pune today

In Pune, 24K gold is priced at ₹12,497 per gram and 22K at ₹11,455. The 18K rate is ₹9,373 per gram. All segments saw declines of ₹11, ₹10 and ₹8 since yesterday.

Gold rate in Kanpur today

Kanpur recorded 24K gold at ₹12,512 per gram and 22K at ₹11,470. The 18K gold price stood at ₹9,388. Compared to yesterday, 24K dipped by ₹11, 22K by ₹10 and 18K by ₹8.

Pakistan’s ODI’s team captain Shaheen Shah Afridi (AP Photo/Anjum Naveed)

Pakistan secured a comprehensive 3-0 ODI series victory against Sri Lanka, winning the final match on November 16 by six wickets. The triumph was particularly special as it coincided with Pakistan A’s win over India A in the Asia Cup Rising Stars 2025 tournament.Later, in the post-match presentation, Pakistan’s ODI captain Shaheen Afridi also went on to laud Pakistan A’s victory against the neighbours.

The Pakistani team successfully pursued Sri Lanka’s modest total of 211 runs in under 45 overs. The bowling attack was led by Mohammad Wasim Jr., who captured three wickets, while captain Shaheen Afridi contributed with one wicket.“Winning the series 3-0, always happy. Like I said during the 1st game, everyone has been confident. They have been in good touch since the South Africa series. All the 15 players should be ready for any game. The rotation policy is good for us,” the skipper said.“Credit goes to him. He was sitting on the bench but still worked. He played domestic cricket as well, bowled well to him. They are wicket-takers. The way Wasim Jr came back after injury. They are both match-winners for the team.”In a parallel development, Pakistan Shaheens demonstrated their cricketing acumen by defeating India A in Doha. The team successfully chased down 137 runs, winning by 8 wickets with 40 balls remaining.“Pakistan Shaheens won against our neighbours, so that’s a big achievement for us,” Shaheen Afridi added.The India A innings featured notable performances from Vaibhav Suryavanshi, who scored 45 runs off 28 balls, and Naman Dhir, contributing 35 runs from 20 deliveries. However, their middle order struggled against Pakistan’s bowlers Shahid Aziz and Saad Masood.Maaz Sadaqat emerged as the hero for Pakistan Shaheens, scoring a match-winning 79 runs from 47 balls.

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With the RBI cutting the repo rate by 1% in this year, EMIs have come down too. (AI image)

India’s retail inflation – also called the Consumer Price Index (CPI) inflation – hitting a record low of 0.25% in October may spell good news for the common man, not just in terms of a lower rate of increase in prices, but also with the prospect of lower loan EMIs in the coming months.Retail inflation in October has hit its lowest level since 2013 – the time that this series of CPI inflation started. The more-than-expected drop in inflation numbers to well below the Reserve Bank of India (RBI’s) target range of 2-6% bodes well for the possibility of further rate cuts by the central bank in the coming months.The data is also significant since with more room for a repo rate cut, the RBI is in a more comfortable position to provide growth impetus to the Indian economy, whose exports have been hit by Donald Trump’s 50% tariffs. India is the world’s fastest growing major economy, but uncertainty on the India-US trade deal has RBI in a wait-and-watch mode on growth measures. A repo rate cut in December now seems more likely than ever, believe economists.RBI started its rate easing cycle in February this year, and has so far cut the repo rate by 1%. A lower repo rate is expected to translate into lower loan rates, hence reducing the interest outgo and EMIs for loan borrowers.How much has the 1% rate cut translated into more money in your pocket and will your EMIs come down further? Here’s an explainer on India’s record low inflation, RBI’s policy outlook and what that means for loan takers in 2026:

Inflation miracle – lowest in over a decade!

National Statistics Office data shows that retail inflation eased to 0.25% in October, much below the 1.4% print in September and substantially lower than the 6.2% number in October last year. Food inflation actually entered the deflationary zone, contracting 5% in October. That’s a decrease of 269 basis points compared to September! The food inflation in October is also the lowest of the current CPI series.But what about the road ahead? Most economists are of the view that the retail inflation has bottomed out, and will likely rise in the coming quarters. However, the consensus is that it will remain benign, and well within RBI’s comfort zone, making it easier for the central bank to provide any growth impetus to the economy, if required.Dipti Deshpande, Principal Economist at Crisil Limited explains that October saw the strongest base-effect support to food prices, which helped pull down headline inflation. “However, this effect will now fade, limiting further declines in food inflation. Some upward pressure on headline inflation is therefore expected in the coming months,” she told TOI.“That said, lower GST rates on mass consumption items should keep a lid on the inflation rise,” she added.Yuvika Singhal – Economist, QuantEco Research told TOI, “Although we expect CPI inflation to bottom out in Q3 FY26 and pick up gradually thereafter, the outlook remains benign for the foreseeable future. The sustained trend of downward pressure on food prices since the beginning of this year, coupled with the recent reduction in prices driven by GST adjustments, has pulled the CPI inflation curve for FY26 systematically lower. We now estimate FY26 CPI inflation to average at 2.1% vs. our projection of 2.6% earlier.”“Consequently, compared to its H1 average of 2.2%, CPI inflation is estimated to be lower in H2 FY26, averaging at 1.9%. Several factors have contributed to this favourable outlook, including the positive impact of a strong monsoon on Kharif crop output, healthy reservoir levels facilitating an early start to Rabi sowing, and restrained increases in the Minimum Support Price (MSP) for both Kharif and Rabi crops, which have collectively contributed a disinflationary impulse of approximately 10 basis points. Additionally, the GST-driven reductions in prices have further supported this downward trend in inflation,” she added.The government announced sweeping cuts in the Goods and Services Tax (GST) in September, modifying the slab structure into two broad rates – 5% and 18%. How much of the reduced prices of goods has been reflected in inflation? According to Nomura, there was a 0.12 percentage point impact of GST cuts in the October numbers. The full impact is expected to reflect in the coming months. Nomura estimates that a full transmission of the GST cuts could result in a 1.6 percentage points reduction to the retail inflation basket.Yuvika Singhal sees a definite impact of GST rate cuts on the inflation trajectory, and the sharper than expected fall in CPI. “While it is difficult to quantify the exact impact of GST restructuring on the monthly CPI inflation print, there has definitely been a disinflationary impulse owing to GST changes in Sep-25. The impact is palpable in the case of price of goods (excluding primary food, fuel, and precious metals) – which contracted by 0.47% in Oct-25 compared to a median increase of 0.74% typically recorded in the month of October,” she explains.“Having said that, price discovery for products affected by revised tax rates remains ongoing. Our analysis of online prices for select high-selling items on Amazon over the past month suggests that part of the initial price reductions introduced when the lower GST rates took effect on 22–23 September 2025 has since been reversed. Specifically, of the median 16.4% price reduction observed immediately after the GST implementation, approximately 6.3% has been subsequently unwound. These price adjustments reflect a normal market response to the new tax regime and may be influenced by stronger festive-season demand, efforts by retailers to recoup losses from pre-GST inventory sold at lower prices, and/or the effects of rupee depreciation,” she notes.“As such, the impact of GST price cuts may extend beyond one inflation print. A clearer picture would emerge by the end of CY25. Overall, we estimate GST rationalization to reduce CPI inflation to the tune of ~130 bps, of which only 60-70 bps is likely to see a passthrough, given market rigidities,” she added.According to CRISIL’s Dipti Deshpande, a closer look at inflation data indicates that most household electronics and automobiles have already reflected the GST benefits, while pass-through in fast-moving consumer goods is still underway.

Will RBI cut repo rate in December?

At the start of 2025, the repo rate stood at 6.5% – and as the end of the year approaches, it has come down by a full 100 basis points! Where will the easing cycle stop? Will RBI wait for more clarity on the India-US trade deal, or is time ripe for another rate cut?Dipti Deshpande expects the RBI to cut repo rate in the December policy review which is scheduled between December 3-5. “CPI inflation has consistently surprised on the downside this fiscal year. The sharp decline has pushed the average inflation for the first five seven months down to 1.9% – below the RBI’s lower inflation tolerance band – creating space for monetary easing. We see the likelihood of a 25 basis points repo rate cut in December,” she says.Yuvika Singhal of QuantEco Research also expects a 25 basis points reduction in repo rate to 5.5%.“Given the deeper than anticipated trough in FY26 CPI inflation, we maintain our expectation that the RBI will announce a 25 basis points repo reduction at its Dec-25 policy meeting,” she says. Singhal is of the view that while the domestic environment continues to provide support to the growth outlook, driven in particular by GST reductions and the strong momentum in government capital expenditure, the external landscape remains challenging.“The 50% tariff imposed by the US on Indian goods continues to pose a significant vulnerability for the economy, with its outsized impact on MSMEs and jobs. The RBI’s recently announced trade relief measures, aimed at alleviating the accumulating stress in select sectors, further highlight the need for policy support to sustain growth. In this context, coordinated monetary and fiscal actions can play a critical role in strengthening the economy’s resilience,” she says.

Will your loan EMIs continue to come down in 2026?

The math for your home or car loan interest rate is simple: RBI lends to commercial banks at an interest rate which is called the repo rate. If the repo rate is high, banks in turn charge their customers a higher lending rate for loans. A lower repo rate allows banks to charge a lesser interest rate, hence decreasing the EMIs that borrowers have to pay.With the RBI cutting the repo rate by 1% in this year, EMIs have come down too – for new borrowers and those with a floating interest rate loan. The financial system works with a lag – it takes some time for the banks to pass on the benefits of lower repo rate to borrowers.According to data shared by BankBazaar.com, most major banks have cut their lending rates anywhere from 85 basis points to 110 basis points.“While the Public Sector Banks (PSBs) were early to cut the rates, most large Private Sector Banks (PVBs) have followed suit. The spread on the repo has also shrunk across PSBs and PVBs. The spread for most PSBs is currently 2% or less. The PVBs historically charge a higher spread and most of them are above 2%. However, the spreads have shrunk here, too,” says Adhil Shetty, CEO at BankBazaar.com.According to Bankbazaar.com’s calculations, if the original home loan interest is assumed to be 8.5%, with a 1% transmission, it now stands at 7.5%. For a home loan with a 20-year tenure, this results in substantial reduction in interest outgo. For example;

So will this interest burden come down even more in the coming months? It’s quite likely!“Home loan EMIs are directly linked to the repo, and any change to the repo rate will cause the EMIs to change. Given the low levels of inflation, it is highly probable that the RBI will cut rates again in this fiscal. The US Fed cutting rates despite high inflation in the US could be another impetus to the RBI’s decision,” Adhil Shetty tells TOI.With more rate cuts expected in the upcoming policies, loan borrowers may soon have a big reason to cheer in the new year as well!

Army chief Upendra Dwivedi (PTI photo)

NEW DELHI: Army chief General Upendra Dwivedi on Monday delivered a strong message to Pakistan and terror outfits operating from its soil, declaring that India’s recent counterterror offensive, Operation Sindoor, was “just a trailer” and that the country is fully prepared for future challenges.His clear warning to Pakistan comes days after a car blast in the vicinity of historical Red Fort in New Delhi.Also read | Delhi car blast: Bomber had lab at home to test explosives; tested bomb making techniques shared by Pakistan handlers

Addressing the Chanakya Defence Dialogue, the Army chief said India would deal equally with terrorists and those backing them. “When a country encourages state-sponsored terrorism, it becomes a matter of concern for India. India talks about progress. If someone creates obstacles in our course, then we will have to take some action against them.”“When we talk about the new normal, we have said that talks and terror can’t go together. All we are asking is to adopt a peaceful process, which we will cooperate with. Until then, we will treat terrorists and their sponsors alike. We will respond to those who encourage terrorists. Today, India is so accomplished that it is not scared of any blackmail attempts,” he said.Speaking about Operation Sindoor, he added, “Operation Sindoor was just a trailer which ended in 88 hours. We are prepared for any circumstances in future. If Pakistan gives a chance, we will teach it how to behave responsibly with a neighbouring nation…”Follow Delhi Blast Live Updates
The Army chief further noted that modern conflict requires coordination across several platforms, saying, “In today’s time, battles are multi-domain. We cannot say how long it will last. We have to ensure we have supplies to last long.”Tensions between India and Pakistan escalated after the Pakistan-backed Pahalgam terror attack on April 22, which claimed 26 lives in Anantnag district, Jammu and Kashmir. India later launched Operation Sindoor on May 7, destroying multiple terror hubs and air bases across Pakistan and Pakistan-occupied Kashmir.The standoff eased only after Pakistan’s Director General of Military Operations initiated talks for a peace agreement. However, India has maintained that the operation is in a paused state, not fully terminated, with Prime Minister Narendra Modi having warned that any future “act of terror” would be treated as an “act of war.”