Latest news with #VarunYadav
News18
2 hours ago
- Business
- News18
Dark Patterns In E-Commerce: What They Mean And Why The Govt Is Cracking Down
Last Updated: The CCPA mandates e-commerce sites to eliminate dark patterns within three months through self-audits. Let's understand what dark patterns are in e-commerce. Dark Patterns In E-commerce: To enhance online shopping safety, the Central Consumer Protection Authority (CCPA) has mandated that e-commerce websites identify and eliminate dark patterns within three months through self-audits. The consumer affairs department stated that all e-commerce platforms must review their interfaces for practices that undermine consumer choice or constitute unfair trade practices. Based on their audit findings, platforms are encouraged to provide self-declarations confirming their sites are free from deceptive practices. These self-declarations will help create a fair digital ecosystem and build trust between consumers and e-commerce platforms. Quick commerce platforms are also alleged to use dark patterns to influence customers to buy. Some examples of dark patterns in QSR are: fake urgency, hidden charges, pre-selected add-ons, confirmshaming, manipulative discounts, and hard-to-find cancellation or return info. About the Author Varun Yadav First Published: June 08, 2025, 11:38 IST
News18
17 hours ago
- Business
- News18
New RBI Gold Loan Rules: LTV Ratio Raised To Cap Limit; Do's And Don'ts Explained
Last Updated: New RBI Gold Loan Rule Changes: Customers can secure collateral loans only against gold and silver jewellery, ornaments, and coins. New RBI Gold Loan Rule Changes: The Reserve Bank of India (RBI) has issued directives on lending against gold and silver collateral. The new directives aim to harmonise and strengthen rules for loans backed by gold and silver jewellery, ornaments, or coins across all regulated entities (REs), while preventing misuse and ensuring borrower protection. The new rules apply to commercial banks (except Payment Banks), cooperative banks (Urban Cooperative Banks, State Cooperative Banks, Central Cooperative Banks), Non-Banking Financial Companies (NBFCs), and Housing Finance Companies (HFCs). As announced by RBI Deputy Governor Sanjay Malhotra, the Loan-To-Value (LTV) ratio for small gold loans has been increased to 85%, from the earlier proposed 75%. Moreover, the LTV must be maintained throughout the loan term. Customers can secure collateral loans only against gold and silver jewellery, ornaments, and coins. Loans against primary gold/silver (such as bullion) or related Exchange Traded Funds (ETFs)/Mutual Funds (MFs) are restricted. New rules also stipulate valuation norms, including those based on the 30-day average or previous day's price (whichever is lower), purity-based pricing as published by the India Bullion and Jewellers Association (IBJA) or Securities and Exchange Board of India (SEBI)-approved exchanges. Only the intrinsic metal value is considered – gems and stones are excluded. Borrowers must be present during assaying, and the assay certificate must be shared and documented. Loan agreements must include auction procedures and ensure cost transparency. What Kind of Loans Can You Take? One can opt for loans for consumption or income generation purposes. Bullet loans for consumption are capped at 12 months. The maximum gold loan limit per borrower is 1 kg of ornaments and 50 g of coins. How to Handle Collateral The lender must store collateral in secure, employee-managed branches. It must be returned within seven working days of loan repayment. If a borrower defaults on the loan, the auction process must be transparent – first locally, then online. There is a fine of Rs 5,000 per day if a lender delays releasing collateral. There is also a provision for full repair or replacement in case of loss or damage to pledged items. Other Key Points Misleading gold loan advertisements are prohibited. Know Your Customer (KYC) and Anti-Money Laundering (AML) norms must be followed. Unclaimed collateral (two or more years after repayment) must be reported bi-annually. About the Author Varun Yadav Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian More First Published:
News18
a day ago
- Business
- News18
Dividends & Bonuses Next Week: Asian Paints, Trent, PFC, Among 34 Stocks In Focus
Last Updated: Dividend Stocks: Investors should stay alert as blue-chip names such as Asian Paints, Tata Elxsi, Indian Bank, Tata Chemicals, Adani Ports, and ACC Ltd are trading ex-dividend. Dividends, Splits & Bonuses This Week: The coming week is packed with corporate actions as several prominent companies go ex-dividend or announce key events like stock splits and bonus issues. Investors should stay alert as blue-chip names such as Asian Paints, Tata Elxsi, Indian Bank, Tata Chemicals, Adani Ports, and ACC Ltd are trading ex-dividend this week. These actions can impact stock prices and offer short-term opportunities for traders and long-term clarity for investors. Here's a breakdown of the major corporate actions between June 9 and June 13, 2025: Ex-Dividend Stocks This Week (June 9 – 13, 2025) June 9, 2025 Nelco Ltd – Dividend: Rs 1.00 June 10, 2025 June 11, 2025 June 12, 2025 June 13, 2025 Bonus Issue This Week VTM Ltd (Ex-Date: June 11, 2025) – Bonus Issue in the ratio of 3:2 Stock Splits This Week June 10, 2025 Vesuvius India Ltd – Stock split from Rs 10 to Rs 1 June 11, 2025 7NR Retail Ltd (Ex-Date: June 9, 2025) – Right Issue of Equity Shares Disclaimer: The views and investment tips by experts in this report are their own and not those of the website or its management. Users are advised to check with certified experts before taking any investment decisions. About the Author Varun Yadav Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian More Stay updated with all the latest news on the Stock Market, including market trends, Sensex and Nifty updates, top gainers and losers, and expert analysis. Get real-time insights, financial reports, and investment strategies—only on News18. Location : New Delhi, India, India First Published: June 07, 2025, 11:21 IST News business » markets Dividends & Bonuses Next Week: Asian Paints, Trent, PFC, Among 34 Stocks In Focus
