Taurus Daily Horoscope Today, July 20, 2025: What you nurture within becomes your life
Notice what feelings you choose to repeat, and what beliefs you are holding tightly. Your emotional strength today is your superpower. Do not rush yourself to be perfect. You are already growing. Each small shift in how you treat yourself helps the world respond kindlier to you.
Taurus
Love
Horoscope Today
In your love space, your patience and quiet loyalty will bring calm. If you're with someone, be clear but soft when sharing what's been on your heart.
There is a good chance of emotional depth today if you let go of control. If single, reflect on what you are emotionally practicing. Are you seeking safety or excitement? Today reminds you that emotional alignment matters more than surface attraction. Let love come from a place of inner steadiness.
Taurus Career Horoscope Today
Career-related tasks may test your calm, especially if a team member or senior is being emotionally distant or unclear.
by Taboola
by Taboola
Sponsored Links
Sponsored Links
Promoted Links
Promoted Links
You May Like
2 BHK homes starting at ₹ 72.6 Lakh at Mahindra Happinest Tathawade .
Mahindra Happinest Tathawade
Get Quote
Undo
Do not take it personally. Practice calm focus, even when others are not doing the same. Your steadiness will stand out. This is a good time to look at long-term plans or routines. Even if there are delays or confusion now, your quiet effort will build trust. You are creating something dependable, not flashy.
Keep your pace. It is working.
Taurus Money Horoscope Today
Financially, you may feel the desire to secure something for your future, whether savings, investment, or simply learning more.
Start small. You are invited to become more emotionally aware of how you spend. Are you buying from need or feeling? A small shift in intention can help your money serve you better. Stay away from emotional spending or promises that sound too good. Choose what feels grounding.
Taurus Health Horoscope Today
Health may require attention to digestion or joint stiffness today. A calm stomach comes from a calm mind, so eat slowly and chew well. Home-cooked, warm food will help balance your system. If you've been ignoring small discomforts, take action today, even if it's just resting more. Emotionally, try to avoid bottling up feelings. Write, walk, or talk them out gently. Your body is responding to your emotions, so care for both with equal attention.
Discover everything about
astrology
at
Times of India
, including
daily horoscopes
for
Aries
,
Taurus
,
Gemini
,
Cancer
,
Leo
,
Virgo
,
Libra
,
Scorpio
,
Sagittarius
,
Capricorn
,
Aquarius
, and
Pisces
. Read your detailed
Horoscope Today
and
Horoscope Tomorrow
here.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Time of India
37 minutes ago
- Time of India
LIC's goal is 'Insurance for All' by 2047, policy numbers should grow from Q2: R Doraiswamy, MD & CEO
Life Insurance Corporation of India 's new chief executive R Doraiswamy is betting on a diversified product mix and higher sales through bancassurance channels to keep the state behemoth ahead of private rivals. In his first interview since taking over, Doraiswamy discusses with ET his plans on increasing the share of non-participating products to 40% of annual premium equivalent-a switch that is key to boosting profitability. Edited excerpts: Your market share in individual policies is 39% by count and 63% by premium. How do you see policy volumes growing? Finance Value and Valuation Masterclass Batch-1 By CA Himanshu Jain View Program Finance Value and Valuation Masterclass - Batch 2 By CA Himanshu Jain View Program Finance Value and Valuation Masterclass - Batch 3 By CA Himanshu Jain View Program Artificial Intelligence AI For Business Professionals By Vaibhav Sisinity View Program Finance Value and Valuation Masterclass - Batch 4 By CA Himanshu Jain View Program Artificial Intelligence AI For Business Professionals Batch 2 By Ansh Mehra View Program The broader goal is "Insurance for All" by 2047. The industry saw a drop in volumes after last year's product rule changes, but our sales have stabilised. We expect growth in policy numbers to turn positive from the second quarter onwards, with stronger momentum in the third and fourth quarter. Market share being a by-product of growth, when LIC grows at a rate higher than the rest of the industry, my market share is going to go up. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Undo LIC's margins improved 150 bps in the first quarter to 15.4%. Is it sustainable and when can you match private sector levels of around 25%? Three factors drove our margin expansion-higher non-PAR contribution, expense optimisation, and revised commission structures following the October 1, 2024 norms on products. There were some changes in some products, we had to be compliant with the surrender value norms, tweak the agency commission from being totally front-ended to introducing some deferred payments of commission. Our margins also follow a seasonal pattern, rising from the first quarter to the fourth because PAR profits are booked in the last quarter. We have consciously shifted from a 7% share in non-participating (non-PAR) annual premium equivalent (APE) at the time of listing to around 30% now. This could rise further to 35-40% in the near term, before we balance the mix back towards participating (PAR) products. Live Events Which products will drive growth this year? Customer preferences vary. Younger buyers lean towards guaranteed non-par protection products, while others prefer savings-oriented participating or non-participating plans. ULIPs see strong demand in rising markets and a slowdown when markets dip. This year, we expect ULIPs to grow alongside non-PAR savings and protection products. We try to fill product gaps and cater to all segments from micro-insurance to high-ticket savings. Our recent launch, Jeevan Utsav, has already set a trend in the market. Over the next few months, we will bring out three to four innovative products across categories. What is your vision for LIC? LIC is a major financial institution player in the country, and they are playing a major role in developing India's economy for the last 69 years. If you look at what we have to do, our objectives are very clear, extend insurance coverage across the country at affordable prices, and mobilise savings for the welfare of policyholders while delivering decent returns. Globally, we are already the fourth-largest life insurer, and see whether we can still grow more. LIC's share of bancassurance is less than 7% despite several bank tie-ups. Given open architecture in agencies, how do you plan to improve channel mix? Our individual agency network is the backbone of LIC. It is a distribution strength we will continue to nurture. That said, we are changing in other channels, bancassurance and corporate. Our bank assurance premium share has risen from less than 3% two years ago to 6.77% today. We expect it to cross 10% in the near future. LIC has recently invested large sums in Adani bonds and SBI QIP. How much investment is likely to come into equity markets from LIC this year? When you have such large investable funds to be invested, you are looking at various options which are giving you a decent return. We need to look at both debt as well as equity in the proportion that we are supposed to invest. But at many times you find that you will do more on one side or the other based on availability. We have to have a clear rating of those instruments, paying certain dividends and stuff like that. The regulator has allowed insurers to hedge through derivatives. What are your plans? LIC has already started doing FRA (forward rate agreements), and now we are actively looking at bond forwards. Once we have enough tie-ups on that, we will be moving to bond forwards to hedge our interest rate risk only in perspective of our guaranteed protection. On the equity front, we are still weighing the options. The Centre is talking about reducing stake to 90% in LIC by FY27 by selling 6.5%. How much of that will happen this year? This decision will be taken by the government. LIC owns a strategic stake in IDBI Bank . Will you continue to own a strategic share in the bank or exit completely eventually ? The vision of LIC is to be a transnationally competitive financial conglomerate. That is a vision, if you look at this. So, when you are looking at a financial conglomerate, you would like to have a bank as a major partner, a housing finance company, or a mutual fund. But the Act and regulations do not permit LIC to have a bank of its own. Whereas a bank can have an insurance company, an insurance company can't promote a bank. That is what the problem is. RBI has already made their position clear. What is the status of the health insurance venture? We have the options in front of us. We are doing due diligence into existing SAHI (standalone health insurance) companies, which we can have a stake at. Only thing is, we are not fixing a particular time limit. We are examining those options.
Time of India
43 minutes ago
- Time of India
IT park invites EOI for 2nd bldg under QUAD project
T'puram: Technopark has invited expressions of interest (EOI) from qualified IT co-developers for the construction and operation of the second IT building under its integrated IT micro-township project QUAD at Technopark Phase IV (Technocity) campus at Pallippuram here. The project will integrate IT innovation, commercial vibrancy and sustainable design. It is envisioned as a live-work-play campus where IT professionals will have all facilities, including shopping amenities and residential quarters. The first IT building under QUAD project is in the bid evaluation stage. The total area for the QUAD project is around 30 acres, which is divided into four land parcels. The second IT building will cover approximately 8 lakh sq ft in around 4.50 acres, which will be leased on a long-term basis (90 years on a case-by-case basis). The IT co-developer/builder/developer will have the opportunity to get reputable IT/ITeS companies to work from the premises. Presently, around 125 companies are in line for the IT space. The bidder should be a private or a public limited company registered under the Companies Act. It should be in operation in India for at least five years. No joint venture/joint application/consortium will be accepted. It must have clocked an annual turnover of Rs 35 crore in each of the last three financial years. The bidder should have experience of successfully completing a similar project of a minimum built-up area of 4 lakh sq ft as a single project or two projects of IT buildings/commercial/office buildings with a minimum built-up area of 3 lakh sq ft each or three projects of IT buildings/commercial/office buildings with a minimum built-up area of 2 lakh sq ft each. All these include construction and operations during the last seven years as of the last date of the submission of the bid. The EOI can be submitted till 5pm on Sept 18, 2025. Both online and offline meetings will be conducted at 4pm on Aug 28, 2025, for clarifications regarding EOI submission. Stay updated with the latest local news from your city on Times of India (TOI). Check upcoming bank holidays , public holidays , and current gold rates and silver prices in your area.
Time of India
an hour ago
- Time of India
16 yrs on, Sectors 50 & 63 struggle for basic facilities
Chandigarh: More than 16 years after their establishment, Chandigarh's Sectors 50 and 63 are still grappling with inadequate civic amenities. From the absence of markets, banking and postal facilities to the lack of public transport and poor BSNL mobile connectivity, residents say they feel like second-class citizens compared to neighbouring areas and even many villages in the Union Territory. The two sectors have no facility of Apni Mandi/Kisan Market, playgrounds, E-Sampark centres, and bus services. No space has been provided for banks, ATMs or post offices, allegedly due to the delay in auctioning commercial land. "There are about 2,100 flats here but we have no facility for a market," Kuldeep Singh, a Sector 63 resident of Chandigarh Housing Board Society, said. Poor BSNL mobile network coverage has only compounded the problems. "In today's digital age, everything, from banking to pension life certificates, depends on OTPs. Without proper mobile signals, how can we even think of digitalisation?" asked Jai Goel, a Sector 50 resident. Parks are in a neglected state. "Delayed garbage collection and infrequent grass cutting make the area unsafe for children and walkers during monsoon, with reptiles often spotted," said VP Behl of Sector 50. Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like The Most Successful Way of Intraday Trading is "Market Profile" TradeWise Learn More Undo by Taboola by Taboola Councillor Rajinder Kumar Sharma acknowledged the absence of a proper market. "Half our sector is residential, half is commercial. I will set up a meeting with officials to address this," he said. Deputy commissioner Nishant Kumar Yadav assured that the issue would be reviewed as per the master plan and the status of shop auctions will be checked. Stay updated with the latest local news from your city on Times of India (TOI). Check upcoming bank holidays , public holidays , and current gold rates and silver prices in your area.
