Latest news with #Tayal
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First Post
3 days ago
- Business
- First Post
Home loans to FDs: 5 ways RBI's rate cut will impact your investments
As the RBI has announced cuts in repo rate and cash reserve ratio (CRR), loans are set to get cheaper for customers. As the RBI has changed its stance from accommodative to neutral, the focus is now going to be on supporting growth. Here are five ways in which RBI rate cuts will affect you. read more A general view of the residential apartments is pictured at Gurgaon, Haryana, on June 19, 2012. RBI rate cuts are expected to give a boost to real estate sector as they make loans cheaper. (Photo: Reuters) With the Reserve Bank of India (RBI) cutting repo rate by 50 basis point on Friday, the RBI has cut the rate by 100 basis points so far this year. However, this is expected to be the last rate cut for now as the RBI has changed its stance from accommodative to neutral. This means that the focus now is going to be on supporting growth instead of managing inflation as inflation is well below the preferred upper limit of 4 per cent. STORY CONTINUES BELOW THIS AD The repo rate is the rate at which the RBI lends money to commercial banks. As the change in the repo rate, whether lowered or hiked, is passed on to customers, the repo rate change has a direct impact on customers' cost of borrowing. As the RBI has lowered the repo rate, loans are set to be cheaper customers. The 50 basis point repo rate along with the 100 basis point cut in the cash reserve ratio (CRR) , which refers to the percentage of its total deposits that a bank is required to park with the RBI in liquid form, the RBI is proactive steps to boost demand and support growth, especially in a globally uncertain environment, said Sachin Tayal, the Managing Director of consultancy Protiviti India. 'These moves come at a good time, given the slower credit demand and the need to revive private investment,' Tayal further said. Here are five ways in which RBI's rate cuts are going to affect borrowers and investors. Home loans to be cheaper As the RBI has cut the repo rate to 5.5. per cent and CRR to 3 per cent, banks are set to pass on these cuts to borrowers are loans are set to be cheaper. Aman Trehan, the Executive Director of Trehan Iris, said that the rate cuts mark a significant boost to the real estate sector by making loans more affordable. 'Lower borrowing costs will make home loans more affordable, enhancing buyer sentiment, particularly in the affordable and mid-income segments. Additionally, the 100 basis point cut in the Cash Reserve Ratio improves liquidity, enabling banks to pass on the benefits to consumers more effectively,' said Trehan. STORY CONTINUES BELOW THIS AD How will EMIs be affected? If you have a home loan of Rs 50 lakh for a period of 20 years, the EMI has dropped by around by around Rs 3,164, according to Deepak Kumar Jain, the Founder and CEO of CredManager. Jain further said, 'For loans of Rs 1 crore and Rs 1.5 crore, the monthly savings are approximately Rs 6,329 and Rs 9,493, respectively. While these savings aren't massive, they do improve affordability, especially in a high-cost housing market.' A home loan with an outstanding amount of Rs 50 lakh at an interest rate of 8.5 per cent for 20 years, you would save Rs 7.47 lakh in the entire tenure, according to an analysis. Fixed deposit investors to be disappointed While borrowers are set to have good times, rate cuts bring bad news for fixed deposit (FD) investors as their interest rates are set to fall. Analysts have said that going for medium- to long-term FDs can be beneficial at the moment if you want to go for FDs at all. 'A major relief for borrowers' The RBI's rate cuts are a 'major relief' for borrowers as EMIs are set to fall, according to Vinit Bolinjkar, Head of Research at Ventura. 'The MPC also shifted its stance to neutral and announced a staggered 100 bps CRR cut to 3 per cent. These measures offer timely support to the economy and markets amid global uncertainties,' said Bolinjkar. RBI to focus on supporting growth As Governor Sanjay Malhotra said that the RBI was changing its stance from accommodative to neutral, no more rate cuts are expected for some time. This indicates that the RBI is now going to focus on supporting growth. 'With the policy stance now shifted to 'neutral', the RBI is signalling that while inflation is still on its radar, the focus is gradually shifting toward supporting growth. This creates an opportunity for banks and lenders to step up credit to retail customers and small businesses, which could drive growth from the ground up. At the same time, it's important that financial institutions stay alert on risk and compliance, so they're well prepared for any changes in the economic environment,' said Sachin Tayal, the MD of Protiviti India. STORY CONTINUES BELOW THIS AD
Time of India
26-05-2025
- Politics
- Time of India
Manesar land scam: HC dismisses former officer's plea against prosecution
Chandigarh: The Punjab and Haryana high court has made it clear that the role of the principal secretary to CM encompasses the responsibility of actively engaging with matters under consideration, eliciting relevant facts, exploring available alternatives, and presenting the same to the CM for an informed decision. The court made these observations while dismissing a plea filed by M L Tayal, former principal secretary to the then Haryana CM Bhupinder Singh Hooda , against prosecution in Manesar land scam. Tayal had claimed that being PS to CM, his role was limited to assisting the CM in decision-making and to faithfully record and convey the decisions of the CM. Referring to the statement made as prosecution witness by a senior Haryana IAS officer, who had served as principal secretary recently, the HC observed: "If the staff officer does not wish to record CM's order, then in such event the CM may record his own directive." The IAS officer, as a prosecution witness, had explained the role of PS to CM. Pointing towards the role of Tayal in the Manesar land scam, the HC observed that in the present case, the order abandoning the award of land in question was signed by Tayal himself. "In such circumstances, the question as to whether the petitioner (Tayal) merely acted as a scribe or had a more substantial role in the formulation and communication of the said decision, is a matter that requires adjudication during trial. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like 2025 Top Trending local enterprise accounting software [Click Here] Esseps Learn More Undo Additionally, it would be incumbent upon the special CBI court, Panchkula, to assess, in light of evidence led, whether the petitioner discharged his duty by adequately apprising the CM of all relevant considerations, or whether he failed to do so, and whether he aided in the alleged conspiracy or not. Such determinations, however, fall outside the scope of consideration at the stage of framing charges," the HC has held while refusing to quash the framing of charges against Tayal in the case. In his plea before the HC, Tayal had mainly argued that he was merely transmitting the decision of the CM and had no independent role or discretion in the formulation of the said decision. CBI, however, contended that being PS to CM, Tayal's role was not merely a passive bureaucrat, but played an active and deliberate role in the criminal conspiracy to derail lawful land acquisition proceedings concerning approximately 912 acres of land in Manesar, Naurangpur, and Lakhanaula. HC refuses to comment on DA by Tayal and his family During the hearing, CBI counsel drew the attention to ab FIR registered for alleged accumulation of disproportionate assets by M L Tayal and his family during the relevant period. CBI claimed that prior to the commencement of the check period from Jan 1, 2006 to Dec 31, 2014, the petitioner and his family held no immovable assets and had movable assets worth Rs 32,04,920. At the end of the check period, however, the value of immovable assets reportedly soared to Rs 17.64 crore, while movable assets increased to Rs 9,82 crore. CBI submitted that this abnormal increase in wealth substantiates the case of prosecution that the petitioner was an active participant and a beneficiary of the conspiracy surrounding the abandonment of the land acquisition process. Counsel for Tayal denied the allegations and claimed false implication. "This Court would refrain from delving into these assertions at this stage, as they are to be tested by the special court after appreciation of the evidence brought on record," HC has observed.
NDTV
22-05-2025
- Health
- NDTV
Why Forest Bathing Is A Wellness Trend In Focus
In March 2024, when Kate Middleton, Princess of Wales, revealed in a video that she had been diagnosed with stage 4 colon cancer - a revelation shook the world. However, a year later, Kate shared that she is now in remission. On May 20, she made her first appearance at a Buckingham Palace garden party, where she helped host the event. Over the past year, Kate has opened up about various aspects of her journey and the many things that have helped her get through it - from chemotherapy to surgeries. But beyond medical treatment, Kate has also offered glimpses into what seems like forest bathing. "Don't forget to nurture all that which lies beyond the disease," she shared in one of her posts. The accompanying picture showed her standing beneath a willow tree in Windsor, gazing up at the sky. View this post on Instagram A post shared by The Prince and Princess of Wales (@princeandprincessofwales) Kate has often posted photos of herself surrounded by nature and forested landscapes - a practice that's becoming increasingly popular, inspired by the Japanese tradition known as Shinrin-yoku, or forest bathing. So why is this trend gaining traction now, and what exactly does it involve? Let's find out. What Is Forest Bathing? Dr Tushar Tayal, Consultant, Internal Medicine at CK Birla Hospital, Gurugram, explains that forest bathing, or Shinrin-yoku, is about spending quiet, mindful time in a natural setting - usually a forest. "It's not about intense hiking or physical activity," says Dr Tayal. "Instead, it's about slowing down, tuning into your senses, and connecting with nature." The idea of forest bathing originated in Japan in the 1980s, as a response to the rising stress and disconnection caused by urban lifestyles. The term was coined by Tomohide Akiyama, then Director of Japan's Ministry of Agriculture, Forestry, and Fisheries. The practice encourages individuals to immerse themselves in forest environments to enhance their overall well-being. Though popularised in the 1980s, the notion of healing through nature has much deeper roots in Japanese culture. Spiritual traditions like Shugendo, practised by mountain ascetics, highlight the sacredness of nature. According Dr Tayal, the practice is gaining popularity across the globe, and scientific research increasingly supports its positive effects on health and well-being. Dr Urvi Maheshwari, Internal Medicine expert at Zynova Shalby Hospital, Mumbai, adds that forest bathing is trending in India too. "Various studies have shown that walking in nature is beneficial for both physical and mental health," she says. It seems what Japan discovered in the 1980s, the world is yearning for today - a pause from the relentless pace of modern life. Benefits Of Forest Bathing NDTV spoke to several experts to understand whether forest bathing is backed by science or just another fleeting trend. Lowers Cortisol Levels Dr Tayal explains that time spent in nature helps reduce stress. "Research shows that being in forests lowers cortisol - the stress hormone - and helps calm your heart rate and blood pressure," he says. This calming effect is tied to the activation of the parasympathetic nervous system, which promotes relaxation and balance. Enhances Mental Health Dr Maheshwari notes that forest bathing can reduce anxiety, stress, and symptoms of depression. "It boosts mood, improves focus, aids sleep, encourages emotional stability, and brings mental clarity," she says. You can invite your partner to join you in forest bathing too. Photo: Unsplash Dr Tayal agrees. He adds, "Those who practise forest bathing often feel more relaxed and content. Nature helps us slow down, breathe deeply, and be present-something that naturally lifts mental well-being." Neurological Benefits Dr Manish Chhabria, senior consultant in neurology at Sir H.N. Reliance Foundation Hospital, highlights the neurological advantages. "Nature exposure through forest bathing has been linked to better cognitive function and reduced stress," says Dr Chhabria. He notes that it can enhance memory, attention, and creativity. "Forest environments reduce stress hormones like epinephrine, norepinephrine, and cortisol. Regular exposure also supports improved focus and problem-solving skills," he adds. Boosts The Immune System Dr Tayal points out that forest bathing can strengthen the immune system. "Trees release compounds called phytoncides. When we breathe these in, our immune cells-particularly natural killer cells - become more active. This may help fight viruses and reduce the risk of illness," he says. Improves Your Sleep Cycle Spending time outdoors, especially in natural light and away from screens, helps regulate the body's circadian rhythm. "This makes it easier to fall asleep and stay asleep," adds Dr Tayal. How To Do Forest Bathing The Right Way Unlike hiking or jogging, forest bathing is a slow, sensory experience that encourages mindfulness. It's about being present in the moment and absorbing your natural surroundings. Here's a simple guide to get started: Choose a quiet natural space - a forest, park, or garden. The key is to find a spot rich in greenery and low in noise. Silence your devices to minimise distractions. Walk slowly and attentively. Observe the colours, textures, sounds, and scents around you. Engage your senses. Touch tree bark, listen to birdsong, inhale the earthy air. Breathe deeply and allow nature's calm to settle within you. In A Nutshell Forest bathing offers a chance to unplug from daily stress and reconnect with the present. It encourages mindfulness, reduces mental fatigue, and fosters a sense of inner peace - something people in the 21st century need more than ever.
Time of India
16-05-2025
- Health
- Time of India
New Covid wave grips Hong Kong and Singapore: Key symptoms to watch out for
Hong Kong and Singapore are grappling with a fresh wave of Covid infections as the cases climb sharply, as per latest reports. The spike is being attributed to waning immunity from infections as newer variants of Omicron JN.1 are spreading fast, increasing hospitalization. Infection rates in Hong Kong have seen a sharp surge from 1.7 per cent in mid-March to 11.4 per cent now, and have exceeded the peak registered in August 2024, according to the data released by the Centre for Health Protection. Albert Au, head of the Communicable Disease Branch at the Centre for Health Protection, said Covid activity in Hong Kong is currently 'quite high'. A Bloomberg report has said the samples testing positive for the virus have also reached its highest level this year. As for Singapore, its first Covid infection update has been posted in about a year. A rise of 28 per cent has been registered with cases touching 14,200 for the week ending May 3, compared to the previous week. Daily hospitalisations in Singapore are also in rise. The health ministry however has said there is no sign that the variants circulating locally are more transmissible or cause more severe disease compared to previous variants. Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Giao dịch vàng với sàn môi giới tin cậy IC Markets Đăng ký Undo Latest symptoms circulating in Singapore and Hong Kong In Singapore, cases of Covid variants LF.7 and NB.1.8 - offshoots of JN.1 strain are rising. Here are some signs and symptoms of the latest strain to watch out for as per an expert: Cough and sore throat "The symptom profile associated with these emerging strains has evolved, presenting both familiar and novel manifestations. Common symptoms continue to include fever, cough, sore throat, fatigue, and muscle aches," says Dr Tushar Tayal, Consultant, Internal Medicine, CK Birla Hospital, Gurugram. Sore throat Dr Tayal says there has been an increased prevalence of upper respiratory symptoms such as nasal congestion, sneezing, and persistent sore throats, often resembling common cold or allergy symptoms. Nausea and vomiting Elaborating the gastrointestinal symptoms of the latest strain, the expert says it includes nausea, vomiting, and diarrhea. Brain fog Dr Tayal says some patients are reporting neurological symptoms like headaches and cognitive disturbances, commonly referred to as "brain fog." Notably, while the loss of taste or smell was a hallmark of earlier Covid-19 strains, its occurrence has diminished with these newer variants. Conjunctivitis In pediatric populations, particularly infants, unique symptoms such as non-purulent conjunctivitis (eye irritation) have been documented, underscoring the need for vigilance across all age groups, says the expert. "Despite the increased transmissibility of these variants, the severity of illness generally remains lower compared to earlier strains, especially among vaccinated individuals. Nonetheless, the potential for severe outcomes persists, particularly in vulnerable populations," says Dr Tayal. Health authorities continue to emphasize the importance of vaccination, adherence to hygiene practices, and timely medical consultation upon symptom onset to mitigate the impact of these emerging variants. Hong Kongers must wear masks whenever in public, ordered authorities One step to a healthier you—join Times Health+ Yoga and feel the change
