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‘Adolescence’ to ‘The Death of Bunny Monroe’: Child-centric adult dramas topping global charts amid India’s failure to keep up |


'Adolescence' to 'The Death of Bunny Monroe': Child-centric adult dramas topping global charts amid India's failure to keep up

As global storytelling leans deeper into the emotional complexities of childhood, a striking contradiction emerges in India as children are everywhere on screen, but nowhere in focus. International series like ‘Adolescence’ and ‘The Death of Bunny Monroe’ have placed teen performers at the emotional epicentre of stories about grief, masculinity, abuse, crime, and trauma. Indian cinema, however, continues to treat children as figures confined to the fringes of the plot, but rarely ever the driving force.This debate exploded into public view after the Kerala State Film Awards chose not to honour any children’s films or child actors for the second year in a row. The jury argued that the entries used children merely as ‘visual elements’. This comes at a time when 15-year-old British newcomer, Owen Cooper, rewrote Emmy history for portraying a boy accused of murder in the four-part drama series ‘Adolescence’.

How global shows are rewriting the rules

For British writer Pete Jackson, placing children inside very adult material isn’t a provocation, but rather a mirror. Speaking to ETimes about why he gravitates toward young perspectives in heavy narratives like ‘Somewhere Boy’ and ‘The Death of Bunny Monroe’, Jackson offers a rather candid explanation, saying, “I wanted to explore this idea that there are no monsters.”

The Death of Bunny Munro | Starring Matt Smith | Official Trailer

Jackson explains, “Our relationships with our own fathers and then our relationships with our own children are endlessly complex… There’s no monsters, you know. The world is only full of people trying their absolute best and usually getting it terribly wrong.”Jackson in his work refuses to smother the emotional violence of families. Instead, he asks audiences to experience the world as wide-eyed children, confused and powerless as adults go about making catastrophic choices that shape their realities.This approach would be nothing if not with extraordinary performers, like young Raphael Mathe, who plays Bunny Jr. Praising the young talent, Jackson says, “He’s just such a great actor… Bunny Jr’s an observer, and his journey is so complex. Rapha pulled that off. He was an absolute joy to work with.”Co-director Isabella Eklöf echoes Pete’s sentiments for the young star. She says, “Raphael is an extremely talented actor and a very sensitive boy. You can see everything in his eyes, and that makes him an astonishing actor.”

Owen Cooper and the ‘Adolescence’ phenomenon

If 2025 had a breakout star, it was Owen Cooper, who, at 15 became the youngest actor in Emmy Award history to win Outstanding Supporting Actor in a Limited or Anthology Series or Movie, for his devastating portrayal in ‘Adolescence’, a series built around a 13-year-old boy detained for murdering his classmate. The narrative unfolds in four long, single-take episodes that places the camera and the emotional burden, on the able shoulders of the child star.

Adolescence | Official Trailer | Netflix

Interestingly, the global reaction was euphoric. India, in particular, embraced the show, prompting filmmaker and leading man, Stephen Graham to express disbelief in an interview with Rolling Stone, “I got a text saying how big ‘Adolescence’ is in India. My first response was, ‘Hold on… did you say India?’ It’s produced an unbelievable ripple effect.”The reactions from Indian filmmakers were even more interesting, with Sudhir Mishra calling the show “the best news in years,” adding, “It violates every rule taught by bad script writing schools. It spirals down instead of soaring up.”Alia Bhatt called the series “truly perfection,” and filmmaker Karan Johar going a step further, calling it a “masterclass for parents”. In a lengthy social media post, he wrote, “Everything you do rubs off on your child. Adolescence is a wake-up call… the pandemic is NOW, and we just don’t see it.”Anurag Kashyap, meanwhile, paired his praise with criticism. He lauded the show saying, “I am numb and envious and jealous that someone can go and make that. The performances from the child actor Owen Cooper and Stephen Graham, who is not just playing the father but is also the co-creator of the show. The amount of hard work that has gone into the show. I can’t even imagine the rehearsals and prep they did so they could shoot every episode in a single shot.” However, he didn’t hold back on his criticism for the Indian branch of the streaming platform, saying, “How do we ever create something so powerful and honest with a bunch of the most dishonest and morally corrupt @netflix.in backed so strongly by the boss in LA?”

Meanwhile in India, children get left out of their own stories

Today’s most acclaimed adult dramas trust children with thematic weight that Indian filmmakers still hesitate to give them. As global television elevates childhood into a site of emotional truth, Indian cinema faces a crisis of representation, as highlighted by the Kerala State Film Awards.

“Just by casting children, it doesn’t become children’s cinema”, says Prakash Raj

Jury chairman Prakash Raj’s explanation for withholding the awards was direct, “We did not find a single film or even an attempt to make a children’s film… The child actors appeared out of sync with their age and were used merely as props.”This sparked immediate backlash. Devananda, acclaimed for ‘Malikappuram’, accused the jury of ignoring talent. He said, “They turned a blind eye to the upcoming generation. If those children had received the awards, it would have inspired many others.”

Questioning the double standards

Posting a still from ‘Sthanarthi Sreekuttan’, filmmaker Vinesh Viswanath noted the irony saying, “In a world of no worthy entries for Best Child Actor, they stand tall.”He asked , “Would they ever declare no award if they felt performances were subpar? The lack of limelight in children’s categories seems to make it easier to dismiss them.” He further emphasized that ‘Sthanarthi Sreekuttan’ hadn’t received certification as a children’s film from the Central Board of Film Certification, which may have impacted its eligibility. He called this “an outdated criterion” and insisted, “We need to rethink the parameters of what defines a children’s film today.”

Government’s response

Minister Saji Cheriyan defended the jury, saying only 10% of the 137 films met quality standards, but promised, “The government will hold discussions with industry stakeholders soon. If support is needed to promote films for children, we will provide it. There will definitely be awards in these categories next year.”





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India-US trade deal soon? First tranche near closure! would be ‘highly detailed and fully aligned with WTO’


India-US trade deal soon? First tranche near closure! would be 'highly detailed and fully aligned with WTO'

India and the US are finally close to locking in on a trade deal, sealing a pact which will address both the reciprocal and oil tariffs . A government official told PTI on Monday that discussions are going on to close on a package which will include issues such as America’s market access to the country, and 25% reciprocal tariffs and the additional 25% oil duties. “We should get a closure soon”, the official added.The Union commerce & industry minister had earlier said, “We are working for a good trade deal in the interest of India. We want a fair, equitable, and balanced trade deal with the US. If that happens, it could happen any day, tomorrow, next month, or next year. But as a govt, we are preparing for everything.” Additionally, a senior official further revealed that the trade talks were majorly completed and that no further round may be required. “They (the US) have to get back to us. It’s the most comprehensive, WTO-compliant treaty compared to any other nation. We negotiated very cautiously, keeping in mind the sensitivities of key sectors. There is no deadline,” the official said.The trade negotiations between the two nations have stalled since the US announced an additional tariff of 25% on Indian imports to the country, taking the total to a whopping 50%. Washington implemented the additional tariffs alleging India’s continous buying of Russian crude, which it claimed supported, Moscow’s war machine against Ukraine.





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Bill Gates Foundation ‘shocks’ market as it makes a ‘big cut’ in Microsoft shares; losing ‘majority status’


Bill Gates Foundation 'shocks' market as it makes a 'big cut' in Microsoft shares; losing 'majority status'

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)

Rank Company Shares Held Valuation (USD)
1 Berkshire Hathaway (BRK.B) 21,765,224 $10,942,248,714
2 Waste Management (WM) 28,934,344 $6,389,571,186
3 Canadian National Railway (CNI) 51,826,786 $4,887,265,920
4 Microsoft (MSFT) 9,191,207 $4,760,585,666
5 Caterpillar (CAT) 6,353,614 $3,031,626,920
6 Deere & Co (DE) 3,557,378 $1,626,646,664
7 Ecolab (ECL) 5,218,044 $1,429,013,530
8 Walmart (WMT) 8,390,477 $864,722,560
9 FedEx (FDX) 2,384,362 $562,256,403
10 Coca-Cola FEMSA (KOF) 6,214,719 $516,443,149

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.”





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Gold price today: Yellow metal dips; check 24K, 22K city-wise rates in Delhi, Mumbai, Bengaluru & more


Gold price today: Yellow metal dips; check 24K, 22K city-wise rates in Delhi, Mumbai, Bengaluru & more

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.





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‘Big achievement’: ODI captain Shaheen Afridi drags in Pakistan’s victory over India A after Sri Lanka series win | Cricket News


'Big achievement': ODI captain Shaheen Afridi drags in Pakistan's victory over India A after Sri Lanka series win
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.

Shaheen Afridi press conference: Hits back at Suryakumar Yadav, Haris Rauf controversy and tension

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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Inflation at record low! Will your loan EMIs come down further? Explained


Inflation at record low! Will your loan EMIs come down further? Explained
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;

  • For a Rs 30 lakh home loan, the earlier interest payment would be Rs 3,248,327, but the reduced one would stand at Rs 2,800,271. This is a saving of Rs 448,056 over the term of the loan!
  • For a Rs 50 lakh home loan, the earlier interest payment would be Rs 5,413,879, but the reduced one would stand at Rs 4,667,118. This is a saving of Rs 746,760 over the term of the loan!
  • For a Rs 1 crore home loan, the earlier interest payment would be Rs 10,827,758, but the reduced one would stand at Rs 9,334,237. This is a saving of Rs 1,493,521 over the term of the loan!
  • For a Rs 1.5 crore home loan, the earlier interest payment would be Rs 16,241,636, but the reduced one would stand at Rs 14,001,355. This is a saving of Rs 2,240,281 over the term of the loan!

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!





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‘If Pakistan gives us an opportunity …’: Army chief’s warning after Delhi blast; calls Operation Sindoor a ‘trailer’ | India News


'If Pakistan gives us an opportunity …': Army chief's warning after Delhi blast; calls Operation Sindoor a 'trailer'
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

India Sends Strong Warning To Pakistan As Army Chief Says The Real Movie Begins After Op Sindoor

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.”





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‘We are not the best players of spin anymore’: R Ashwin’s stinging reality check after India’s Eden collapse | Cricket News


'We are not the best players of spin anymore': R Ashwin's stinging reality check after India's Eden collapse
South Africa’s Simon Harmer, center, celebrates the dismissal of India’s Rishabh Pant. (AP Photo)

NEW DELHI: Ravichandran Ashwin has delivered a brutally honest assessment of India’s shocking batting collapse at Eden Gardens, insisting that the current generation of Indian batters is no longer the best against spin. India crashed to a 30-run defeat against South Africa inside three days while chasing just 124 — a result Ashwin believes would never have happened in an era where Indian batters mastered turning tracks.Go Beyond The Boundary with our YouTube channel. SUBSCRIBE NOW!Speaking on his YouTube channel after the loss, Ashwin said the modern Indian batting unit lacks the technique and temperament needed to survive quality spin bowling.

‘When you don’t play well, this is what happens’: Gautam Gambhir reacts to 1st Test defeat, points out what India lacked

“I am gonna stick my neck out and say in another game in an era where spin bowling was combated very well… I will take the names Amol Muzumdar and Mithun Manhas, who is the BCCI president, and I won’t take all the names, but Sachin Tendulkar in his prime, the God of Cricket,” Ashwin said.He stressed that if those players had batted on the same turning wicket, “this game would have gone to four days.” Ashwin pointed out that only a handful of players showed any defensive solidity: “In a total of 16 batters, only three to four players have defended well. If you want to play on turning tracks, then your game against spin has to be good; otherwise, don’t play on such pitches as simple.”Ashwin argued that India’s decline against spin is a direct result of inadequate preparation. “We are not the best players of spin going around in the world at this point in time. Most Western teams are better than India now because they come to India, they practice it a lot more, but we don’t practice enough of it.”He added that India has paradoxically become better at playing fast bowling abroad: “We are superior players of fast bowling in many other venues right now because we consider that as a challenge, but not this. That is the difference.”South Africa’s win — their first Test victory in India since 2010 — gives them a golden chance to clinch the series when the second Test begins in Guwahati on November 22.





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Tragedy Strikes: Hyderabad Umrah Pilgrims in Fatal Mecca-Medina Bus Crash | Hyderabad News


Mecca–Medina bus tragedy: Govt releases list of 45 passengers; Hyderabad families await updates
A tragic road accident in Saudi Arabia has claimed the lives of over 40 Indian Umrah pilgrims, all reportedly from Hyderabad

HYDERABAD: A tragic road accident in Saudi Arabia early Monday has left more than 40 Indian Umrah pilgrims feared dead, with all the victims from Hyderabad. At least 16 people from Mallepally’s Bazaar Ghat are among those who died when a passenger bus carrying pilgrims from Mecca to Medina collided with a diesel tanker around 1.30 am IST.

Over 40 Indians From Hyderabad Travelling From Mecca To Medina Feared Killed in Saudi Bus Crash

The deceased from Bazaar Ghat have been identified as Rahimunnisa, Rahmat Bi, Shehnaaz Begum, Ghausia Begum, Qadir Mohammad, Mohammad Maulana, Shoaib Mohammad, Sohail Mohammad, Mastan Mohammad, Parveen Mohammad, Zakia Mohammad, Shaukat Mohammad, Farheen Mohammad, Zaheen Mohammad, Mohammad Sanjeev and Mohammad Ali.Read more: Mecca pilgrims were asleep when bus crashed; several Indians feared dead- What we know so farInitial reports from local Saudi sources suggested “more than 40” fatalities, while the Telangana Haj Committee later said 42 pilgrims lost their lives.Many of them were reportedly asleep at the time of the collision. Early information also indicates that the victims include 20 women and 11 children from Hyderabad.Complete list of all 45 bus passengers:

  • 1. Irfan Ahmed – M
  • 2. Humera Nazneen – F
  • 3. Sabiha Sultana – F
  • 4. Ahmed Hamdan – M
  • 5. Ahmed Izan – M
  • 6. Shaik Naseeruddin – M
  • 7. Fatima Umaiza – F
  • 8. Maryam Fatima – F
  • 9. Shaik Zan Uddin – M
  • 10. Fatima Mehrish – F
  • 11. Shazan Ahmed Mohammed – M
  • 12. Rida Tazeen – F
  • 13. Shaik Uzairuddin – M
  • 14. Akther Begum – F
  • 15. Anees Fatima – F
  • 16. Ameena Begum – F
  • 17. Sara Begum – F
  • 18. Khan Saleem – M
  • 19. Shabana Begum – F
  • 20. Syed Huzaifa Jaffar – M
  • 21. Rizwana Begum – F
  • 22. Shaik Salauddin – M
  • 23. Farana Sultana – F
  • 24. Tasmia Tahreen – F
  • 25. Sultana Sana – F
  • 26. Mohammed Abdul Khadeer – M
  • 27. Ghousiya Begum – F
  • 28. Begum Shenaaz – F
  • 29. Mohammed Ali – M
  • 30. Rahmatheb – M
  • 31. Raheem Unnisa – F
  • 32. Ur Rahman Mohammed Shoaib – M
  • 33. Rayees Begum – F
  • 34. Begum Shahjehan – F
  • 35. Al Amoudi Sara Mahmood – F
  • 36. Mohammed Manzoor – M
  • 37. Zaheen Begum – F
  • 38. Farheen Begum – F
  • 39. Begum Shoukat – F
  • 40. Begum Zakiya – F
  • 41. Parveen Begum – F
  • 42. Mohammed Mastan – M
  • 43. Mohammed Sohail – M
  • 44. Mohammed Moulana –
  • 45. Abdul Gani Ahmed Saheer Shirahatti – M

Read more: Mecca-Medina bus crash: Control room set up in Jeddah – here are the helpline numbersBus was travelling from Mecca to MedinaAccording to preliminary information, the bus was carrying pilgrims who had completed rituals in Mecca and were on their way to Medina. Local residents were the first to reach the crash site and assist rescue teams. Saudi authorities are expected to share a formal toll after completing identification procedures.Control rooms activated in India and Saudi ArabiaTo assist families, the Telangana government and Indian missions have set up helplines.Consulate General of India, Jeddah (24×7): 8002440003Telangana CM seeks full reportTelangana chief minister Revanth Reddy expressed shock over the deaths, directing chief secretary A. Santhi Kumari and the DGP to immediately gather complete details regarding the pilgrims from the state.The CMO said the CM asked officials to coordinate with the Ministry of External Affairs and the Saudi Embassy, and, if required, dispatch teams on the ground for assistance. A control room has been set up at the state Secretariat, and Resident Commissioner Gaurav Uppal has been tasked with collecting verified information on all Telangana residents involved.External affairs minister S. Jaishankar said he was “deeply shocked” by the loss of Indian lives, adding that the Embassy in Riyadh and Consulate in Jeddah were extending full support.





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‘Starmer out’: Thousands protest in Crowborough over govt plan to house asylum seekers at army camp; safety concerns flagged


'Starmer out': Thousands protest in Crowborough over govt plan to house asylum seekers at army camp; safety concerns flagged
Screen grab (Source: X/@Andrew_WilsonUK)

Around 2,000 people joined the protest that took place on Sunday in Crowborough, East Sussex, against government plans to accommodate 540 single male asylum seekers at a disused army camp on the edge of the town.During the protests, mothers led chants of “Starmer out” as marchers carried Union Jacks, St George’s crosses, and handwritten placards with slogans including “Protect Us. Protect our children” and “Our children’s freedom gone, so they can have theirs,” The Times reported.

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This comes after a heated public meeting on Thursday, where private security guards intervened when local politicians were chased out of the community centre hall. Some residents said they were installing panic alarms in their homes and raised concerns about access to local GP services, which are already in high demand, the BBC reported.The government announced in October that the asylum seekers would be accommodated at the disused army camp, as part of efforts to end the use of hotels for migrant accommodation. A Home Office spokesperson told the BBC that the move aims to provide “more suitable accommodation” while public safety remains the first priority.Kim Bailey, chairwoman of Crowborough Shield, a grassroots organisation formed to challenge home secretary Shabana Mahmood, claimed that the plans were “absurd” Highlighting potential risks for asylum seekers with PTSD living near a police firearms training centre and public shooting range, she said “It’s absurd what they are doing. Vulnerable men from war-torn countries, to Crowborough?She added that the men are “unvetted” and that the rural location could make it difficult for authorities to respond if crime occurs. The campaign has raised more than £12,000 to fund legal action against the Home Office.Wealden District Council, controlled by an alliance of Labour, Liberal Democrat, and Green councillors, criticised the Home Office for an “information vacuum” around the plans, which it said fuelled community tension and threats against local politicians. Crowborough, along with Cameron Barracks in Inverness, were the first military sites identified to accommodate a total of 900 asylum seekers, The Times reported.The Home Office said all residents will undergo mandatory security checks and that “as part of their induction process, clear expectations are set out to asylum seekers staying at the site about their expected behaviour while on and off the site.” Kerrie Knight, an organiser of the Pink Ladies campaign, told The Times the protests were “not about race or religion” but about “risk and safety” and “common sense.”





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