Times Bull

Category: Business

Stay ahead of the curve in India’s dynamic financial landscape with Timesbull. We deliver real-time updates and in-depth analysis on Indian business, finance, and the stock markets. Get the latest BSE/NSE news, ensuring you’re always informed about market movements.

Track the pulse of the Indian economy with our comprehensive coverage of Sensex and Nifty updates. Timesbull provides crucial personal finance insights to help you manage your money effectively and make informed investment decisions.

Beyond breaking news, we offer expert market analysis and insightful perspectives on economic trends shaping India and the global economy. Whether you’re a seasoned investor, business professional, or just starting to manage your finances, Timesbull is your trusted source.

Rely on Timesbull for accurate, timely, and insightful business and finance news, empowering you to navigate the complexities of the Indian market with confidence. Visit Timesbull today to unlock your financial potential.

  • Gold and Silver Prices Surge: Latest 18k, 22k, 24k Gold Rates for October 27, 2025

    Gold and Silver Prices Surge: Latest 18k, 22k, 24k Gold Rates for October 27, 2025

    Gold and Silver Prices: If you are planning to buy gold or silver this week, be prepared to pay more. The new week kicked off with a significant rally in precious metal prices across India. As of Monday, October 27, 2025, both gold and silver have become noticeably more expensive, marking a sharp reversal from the declining trend observed at the end of the previous week.

    According to the latest data released by the India Bullion and Jewellers Association (IBJA), the most trusted source for bullion rates in the country, the price of 24-carat (999 purity) gold has climbed to ₹1,22,402 per 10 grams. This represents a significant increase of ₹884 from Friday evening’s closing rate. Similarly, the more commonly purchased 22-carat gold (916 purity) now stands at ₹1,12,120 per 10 grams, up by ₹810.

    The rally was not limited to gold. Silver also saw a strong upward move, with its price jumping by ₹997 to reach ₹1,48,030 per kilogram.

    Fact Check & Important Context for Buyers:

    • Source Verified: The rates cited are officially provided by the India Bullion and Jewellers Association (IBJA), the standard-setting body for the Indian market.

    • Weekend & Holiday Clarification: It is standard practice for the IBJA not to publish new rates on weekends (Saturday and Sunday) and central government holidays. The “Friday evening” rate is the last published benchmark before Monday’s update.

    • Understanding the Final Price: A critical point for consumers is that these IBJA rates are base prices and do not include the Goods and Services Tax (GST) or making charges. When you purchase jewellery, the final bill will be higher to account for these additional costs.

    A Look Back at Friday’s Trend

    This Monday’s surge comes after a period of softening. On Friday, October 24, prices had actually dipped by the evening session. For instance, 24-carat gold had fallen from ₹1,22,419 in the morning to ₹1,21,518 by Friday evening, making today’s rebound even more pronounced for market watchers and potential buyers.

    In summary, the bullion market has started the week on a bullish note. Investors and jewellery buyers should keep a close watch on these daily fluctuations, as global economic factors and currency movements continue to influence domestic prices.

  • Countries in the world where taxes are not required, Learn the full list

    Countries in the world where taxes are not required, Learn the full list

    Tax-Free Countries: There are some countries in the world where citizens are exempt from paying taxes on their income. Governments in these countries generate their income through tourism, natural resources, investments, and fees received from foreign companies. While countries like India require mandatory income tax, people in these tax-free countries enjoy luxurious amenities without paying taxes.

    Maldives

    The Maldives is not only famous for its beautiful beaches and luxury resorts, but also for its tax-free economy. Citizens here do not pay any income tax on their fixed income. The government’s main sources of revenue are tourism and foreign investment. However, obtaining Maldivian citizenship is quite difficult for foreign nationals. Most foreign nationals can only reside there through long-term visas or work permits.

    Read Here: Haryana Board Exams 2026 – HBSE 10th, 12th Datesheet likely Released Soon at bseh.org.in

    Bahrain

    Bahrain, a small but prosperous country in the Gulf region, is known for its tax-free policy. The country primarily drives its economy through the export of crude oil and petroleum products. Foreign citizens are offered the option of residency through property investment. Investments of approximately ₹44 million (approximately ₹44 million) can earn them a 10-year Golden Residency visa, which can be renewed. However, obtaining citizenship is also quite difficult here.

    Brunei

    Brunei is a small but prosperous country where citizens are exempt from income tax. The government provides free healthcare and education to its citizens. The country finances its economic needs through oil and gas exports. However, foreign citizens must meet several strict conditions to obtain permanent citizenship.

    Read Here: New update for Aadhaar card holders, impacting these people

    Other Tax-Free Countries

    In addition to the Maldives, Bahrain, and Brunei, countries like the Bahamas, Bermuda, the Cayman Islands, Kuwait, Monaco, Oman, and Qatar also follow tax-free policies. Governments in these countries provide citizens with free healthcare, education, and social security benefits. These countries’ rich natural resources and robust tourism industries play a significant role in their adoption of the tax-free model.

  • New update for Aadhaar card holders, impacting these people

    New update for Aadhaar card holders, impacting these people

    Aadhaar card Update: The Indian government recently announced several significant changes related to Aadhaar, which will directly impact the pockets of ordinary people and their financial services. UIDAI has revised the Aadhaar update fee, made PAN linking mandatory, and made the e-KYC process more secure. For those who haven’t yet checked their Aadhaar status, this is the right time.

    UIDAI Increases Aadhaar Update Fees

    UIDAI has increased the Aadhaar update fee effective October 1, 2025. Now, updating information such as name, address, date of birth, mobile number, or email will cost ₹75, up from ₹50 previously. Similarly, the fee for biometric updates such as fingerprint, iris, or photo updates has been increased from ₹100 to ₹125.

    Read Here: DWP: Apply Now for Reading’s £150 Household Support Fund Payment, A Step-by-Step Guide

    One-time biometric updates will be free for children aged 5–7 and 15–17. This facility will be provided free of charge for children aged 7–15 years until September 30, 2026. UIDAI has clarified that online document updates will be free until June 14, 2026, but if updated in person, a fee of ₹75 will be charged.

    PAN-Aadhaar Linking Now Mandatory

    The government has again warned that citizens whose PAN and Aadhaar have not yet been linked will become inoperative. This will impact mutual funds, demat accounts, tax-saving investments, and other financial transactions. Failure to link PAN and Aadhaar could result in loss of access to various financial services. Therefore, it is crucial to complete the linking process promptly.

    Aadhaar e-KYC system becomes more secure

    UIDAI, in collaboration with NPCI, has launched a new e-KYC system, allowing banks and NBFCs to identify customers without requiring their full Aadhaar number. For offline KYC, only a QR code or masked ID will be required, ensuring user privacy. UIDAI has also clarified that KYC will be valid only if Aadhaar is active and valid. This new system will make the digital verification process more secure and transparent.

    Read Here: Maruti Suzuki is Ready to Launching 4 New SUVs, Mileage Upto 35 Kmpl, See Detail

    Financial Services Will Be Affected

    New rules will apply to AePS, the Aadhaar-Enabled Payment System, starting January 1, 2026. This could impact cash withdrawals and deposits in rural areas. Furthermore, small savings schemes like post office RD, PPF, and NSC will now be linked to Aadhaar e-KYC. Transactions in accounts not linked to Aadhaar may be halted. This means that in the future, Aadhaar will become mandatory for almost every financial activity.

  • Gold Price Today – Price Jumps to Rs 1,22,402 per 10 Grams, Check 24K, 22K &18K Live Rates

    Gold Price Today – Price Jumps to Rs 1,22,402 per 10 Grams, Check 24K, 22K &18K Live Rates

    Gold Price Today: Gold and silver prices fluctuate constantly. Gold prices sometimes rise and sometimes fall. After Diwali, both gold and silver prices have declined. Gold and silver prices rose slightly on October 27th. According to the India Bullion and Jewellers Association (IBJA), gold prices rose by ₹884 to ₹1,22,402 per 10 grams. Previously, the price of gold was ₹1,21,508 per 10 grams. Silver also saw an increase of ₹997 on Monday, bringing the price to ₹1,48,030 per kilogram today. Previously, the price of silver was ₹1,47,033 per kilogram. Last week, gold prices fell by ₹9,356 to ₹1,21,518 per 10 grams.

    What is the latest gold rate today?

    According to the rates published on ibjarates.com on the morning of October 27th, the price of 995-purity gold is Rs 121,912 per 10 grams. Meanwhile, the cost of 22-carat gold with a purity of 916 is Rs 111920 per 10 grams. Furthermore, the price of 750 purity gold has risen to Rs 91,802 per 10 grams. The price of 585 purity gold is Rs 71,605 per tola.

    Silver prices have risen to Rs 148030 per kilogram today. The prices released by the Indian Bullion Jewellers Association provide standard prices for gold of different purities. If you’re looking to buy gold for jewellery, 22-carat gold is considered the best. This does not include taxes, making charges, or GST.

    Disclaimer: There may be a difference of Rs 1000 to Rs 2000 in the prices of gold and silver in your city.

    22k Gold Price Today
    1 gram: ₹12,577
    8 grams: ₹1,00,616
    10 grams: ₹1,25,770
    100 grams: ₹12,57,700

    24k Gold Price Today
    1 gram: ₹11,530
    8 grams: ₹92,240
    10 grams: ₹1,15,300
    100 grams: ₹11,53,000

    18k Gold Price Today
    1 gram: ₹9,437
    8 grams: ₹75,496
    10 grams: ₹94,370
    100 grams: ₹9,43,700

  • UPI payments are free, yet how did PhonePe and Google Pay earn ₹5,000 crore?

    UPI payments are free, yet how did PhonePe and Google Pay earn ₹5,000 crore?

    UPI Payments: Making payments through UPI is completely free for ordinary users. This facility has been made available free of charge by the National Payments Corporation of India (NPCI) to promote digital payments in India. Despite this, digital wallet companies like Google Pay and PhonePe are earning billions of rupees. By FY24, i.e., March 2024, PhonePe’s revenue was ₹5,064 crore, a 74% increase from the previous year. Similarly, Google Pay’s revenue remained at the same level, bringing the combined revenue of both companies to over ₹5,000 crore.

    How does a free service generate revenue?

    There are no direct charges for transactions made through UPI, but companies use this to attract users and leverage their data. UPI acts as a free highway, bringing millions of customers to their apps. Subsequently, companies earn revenue by selling various products and services to these customers.

    Read Here: First Look at Vande Bharat Sleeper Train Stuns the Internet with its Airplane-Style Luxury watch video

    Rent and Extra Fees from Shopkeepers

    Small shopkeepers, such as grocery stores or vegetable vendors, often require additional payment tools. PhonePe and GPay offer these services, such as QR codes and smart speakers. For example, smart speakers provide voice notifications for every UPI transaction. The monthly rent for each speaker is approximately ₹100. More than 3 million shops in India use these tools, generating an annual revenue of approximately ₹360 crore.

    Revenues from POS Machines and Soundboxes

    PoS machines for cards or UPI have a Merchant Discount Rate (MDR) of 0.5-1%. While there is no MDR for UPI transactions, companies charge for card and other services. Approximately 90% of PhonePe’s revenue comes from the payments business, where companies earn revenue by providing better service to shopkeepers.

    Commissions in Bill Payments and Recharges

    UPI is free for mobile recharges, electricity or water bills, DTH, and insurance payments, but apps earn 1-2% commissions from service providers like Airtel. These small commissions can add up to crores of rupees annually with large transaction volumes.

    Read Here: UAE Dubai Gold Rates Fall for Second Day, 24K at Dh491.50 and 22K at Dh455 [Explained]

    Revenue from Advertising and Promotions

    PhonePe and GPay display offers, scratch cards, and cashbacks within their apps. However, companies also charge brands for promotions. The apps analyze user data and show relevant ads. About 10% of PhonePe’s revenue comes from advertising.

    Thus, even though UPI is free for users, apps like Google Pay and PhonePe are using it to earn billions of rupees from small businesses, services, bill payment commissions, and advertising.

  • EPFO changes these rules, are they beneficials? Keep these 3 points in mind

    EPFO changes these rules, are they beneficials? Keep these 3 points in mind

    Employees are waiting for any updates ralated to EPFO as they often updated rules and regulations to provide more benefits to the members. Recently, they have changed some rules, which perhaps you don’t know.

    EPFO Rule change update

    The Employees’ Provident Fund Organisation (EPFO) has announced liberalization of partial withdrawal rules for its over 300 million subscribers. This important decision was taken at a meeting of the Central Board of Trustees (CBT), the highest decision-making body of the EPFO, chaired by Labour Minister Mansukh Mandaviya. A statement issued by the Labour Ministry said that these new rules are aimed at making the lives of EPF members more convenient, according to media reports.

    Keep these 3 things in mind

    Employees’ Provident Fund Organisation (EPFO) members will now be able to withdraw up to 100 percent of their entire eligible balance, which includes both employee and employer contributions. Under earlier rules, members could withdraw their entire PF amount only in case of unemployment or retirement. At that time, members could withdraw up to 75 percent of their PF balance one month after joining a job and the remaining 15 percent two months after leaving a job. Now, as per the new rules, the period for withdrawing the entire amount in case of unemployment has been increased from 2 months to 12 months. Furthermore, in case of retirement, this period has been increased from 2 months to 36 months. This change will enable EPF members to fully benefit from their provident fund.

    To simplify members’ lives, the CBT has eliminated 13 complex partial withdrawal provisions and consolidated them into a single, streamlined rule. These rules are now broadly classified into three categories: essential needs such as illness, education, and marriage; housing needs; and special circumstances.

    A new provision has been added that requires members to maintain a minimum balance of 25 percent of their contributions in their accounts at all times. This will ensure that members can accumulate a high-value retirement fund by taking advantage of the high interest rate offered by EPFO ​​(currently 8.25 percent per annum) as well as the compounding benefit. These changes will provide EPF members with greater flexibility and convenience in accessing their funds during financial emergencies.

  • Union Bank FD: Deposit this much amount in Fixed Deposit and get fixed interest of Rs 48,841

    Union Bank FD: Deposit this much amount in Fixed Deposit and get fixed interest of Rs 48,841

    There are multiple options out there for investment. Multiple government and non-government sectors offer common people to invest. fixed deposit is one of the most popular investment schemes for many years among people. Today, we will talk about a special fixed Deposit scheme run by Union Bank.

    Know about Union Bank FD Scheme

    The public sector Union Bank of India is offering excellent interest rates on FDs to its customers. Here we are going to tell you about a scheme of Union Bank of India, in which you can earn fixed interest of up to ₹48,841 by depositing just ₹2 lakh.

    Union Bank of India is a government bank. You can open an FD account with Union Bank for a minimum tenure of 7 days and a maximum tenure of 10 years. Union Bank of India offers its customers interest rates ranging from 3.40% to 7.35% on FDs. This government bank offers the highest interest rate on FD schemes with a tenure of 3 years. Union Bank of India offers 6.60% interest to general citizens, 7.10% to senior citizens, and 7.35% to super senior citizens (above 80 years) on its 3-year FD scheme.

    How to get maximum profit?

    If you are a general citizen and deposit Rs 2 lakh in a 3-year FD with Union Bank, you will receive a total of Rs 2,43,399 on maturity, which includes a fixed interest of Rs 43,399. If you are a senior citizen and deposit Rs 2 lakh in a 3-year FD with Union Bank, you will receive a total of Rs 2,47,015 on maturity, which includes a fixed interest of Rs 47,015. Similarly, if you are a super senior citizen, you will receive a total of Rs 2,48,841 on maturity, which includes a fixed interest of Rs 48,841.

    Desclaimer: For any financial invest anywhere on your own responsibility, Times Bull will not be responsible for it.

  • Sell your 5-rupee note with farmer’s photo and tractor for Rs 3 lakh! Here’s how

    Sell your 5-rupee note with farmer’s photo and tractor for Rs 3 lakh! Here’s how

    5 KA Note Sell: You can surprise everyone by selling old notes and coins in the international market. If you have a 5-rupee coin in your pocket, then do not delay. You can sell a 5-rupee note for Rs 3 lakh. You can sell it online. You will not have to face any hassle to sell it.

    If you miss the opportunity to sell a 5-rupee coin, you will regret it. You can sell it very easily. Do not let go of the opportunity to sell a 5-rupee coin. Therefore, you can easily know the speciality of the 5-rupee note. Therefore, it is important that you do not let go of the opportunity at all.

    Speciality of the 5 rupee coin

    If you are planning to sell a 5-rupee coin, then there will be no problem. It is necessary to have the Ashoka symbol on the 5-rupee coin. Apart from this, it is very important to have Hindi and English written on the note. If you want to sell a coin of Rs 5, you can sell it for Rs 3 lakh and three coins for Rs 9 lakh. Four coins can be sold for Rs 12 lakh.

    If you want to sell, you will first have to register as a seller on OLX. After this, you can upload a clear photo of the coin here. Then, customers will come and contact you on their o;n, there will be no problem. Customers can make a deal and sell it.

    Note

    Claims of the sale of the Rs 5 coin are being made on the internet. You should think carefully before selling. Many times, people fall prey to fraud while selling. If you fall into the trap of online fraudsters, then Guru himself will be held responsible. Our aim is not to confuse anyone but to give information to people. Therefore, know the important things while selling.

  • Special housing scheme: Buy your dream house from here at very low cost

    Special housing scheme: Buy your dream house from here at very low cost

    Who don’t want to have a own living space? But, for a middle-class person, buying a home or flat is too away from the reality beacuse of the high price. But there is a solution. With a special scheme you can afford a house at a very low cost.

    How to buy a wonder house at a very low price?

    Delhi Development Authority i.e. DDA has once again come up with a wonderful housing scheme for the economically weaker section. Keeping in mind the success of Jan Sadharan Awas Yojana Phase-1, this time DDA has come up with Jan Sadharan Awas Yojana 2025 Phase-2. Booking of flats under this new scheme will start from 12.00 noon on November 7, 2025. To book a flat, you will have to visit DDA’s website https://eservices.dda.org.in . The price of these flats in EWS and LIG category will start from Rs 11.8 lakh to Rs 32.7 lakh.

    According to information received from the DDA, these flats are available in Narela, Rohini, Ramgarh Colony, and Shivaji Marg in Delhi. Narela and Shivaji Park (near Moti Nagar) only offer EWS category flats. Rohini Sectors 34 and 35, and Ramgarh Colony (near Jahangirpuri) offer only LIG category flats. The total number of flats in Narela is 1,120, and their size ranges from 34.8 to 35.1 square meters. These flats are priced between ₹13.7 lakh and ₹13.8 lakh, but after a 15 percent discount, the price will be ₹11.8 to ₹11.9 lakh.

    Sector and list of prices

    Sectors 34 and 35 in Rohini have a total of 308 LIG flats, ranging in size from 33.3 to 33.9 square meters. These flats are priced between ₹14.00 and ₹14.2 lakh, with no discount. Ramgarh Colony has 73 LIG flats, ranging in size from 31.9 to 35.3 square meters. These flats are priced between ₹15.3 lakh and ₹16.9 lakh. However, after a 15 percent discount, their prices will drop to between ₹13.1 and ₹14.5 lakh. Shivaji Marg has a total of 36 EWS flats, ranging in size from 33.1 to 45.1 square meters. These flats are priced between ₹25.2 lakh and ₹32.7 lakh, with no discount.

    Under DDA’s Jan Sadharan Awas Yojana 2025 Phase 2, the booking amount for a LIG flat is ₹1 lakh, while for an EWS flat, you’ll need to pay ₹50,000. These flats will be sold on a “first-come, first-served” basis. Therefore, they won’t take long to sell. According to DDA, all these flats are ready-to-move-in and freehold.

  • First Look at Vande Bharat Sleeper Train Stuns the Internet with its Airplane-Style Luxury watch video

    First Look at Vande Bharat Sleeper Train Stuns the Internet with its Airplane-Style Luxury watch video

    Vande Bharat Sleeper Train Video:- The Vande Bharat Sleeper is now considered ready to run on Indian Railways tracks. Equipped with modern amenities, this train will offer a very comfortable journey, completing it much more quickly than the Rajdhani Express. Now, this train will be flagged off by a central government minister or Prime Minister Narendra Modi.

    The Vande Bharat Sleeper’s design is inspired by modern technology. A video of this train is going viral on social media. You will be amazed by the viral video of the Vande Bharat Sleeper, which will be absolutely unique. If you see the inside of the Vande Bharat, you will be able to call it a large moving hotel, where you will feel like living a luxurious life. People are reacting to the Vande Bharat on social media.

    Luxurious view in the video

    The Vande Bharat Sleeper features a unique design and offers a variety of amenities. A prototype video of the Bharat Sleeper train is going viral. This train will prove to be a boon for long journeys. The train’s design and interior are also absolutely amazing. This luxury train is quite special. This video was shared on Instagram by an account called ‘Chennatys’.

    People are amazed by this video. Furthermore, people have been commenting on the interior of the Vande Bharat Sleeper, which millions have already viewed. The uniqueness of this train will surely delight you.

     

    View this post on Instagram

     

    A post shared by Chennaites (@chennaites.in)

     

    Specialities of the Vande Bharat Sleeper

    The Vande Bharat Sleeper will offer a truly unique experience. The train was built by BEML using ICF technology and designed by Kinet Railway Solutions. This is the first version of the Vande Bharat Sleeper, capable of reaching speeds of up to 180 kilometres per hour. The Vande Bharat Sleeper will have 16 coaches.

    This includes 11 AC 3-tier coaches, 4 AC 2-tier coaches, and 1 AC First Class coach. Now that the video has gone viral, users are praising its beauty. People are reacting to the vehicle’s appearance in different ways. Social media users are also responding to the video with a variety of reactions.

  • Chhath Puja Special Trains – Railways Announces 6,181 Special Trains, Check Full Schedule

    Chhath Puja Special Trains – Railways Announces 6,181 Special Trains, Check Full Schedule

    Chhath Puja Special Trains: The Chhath festival is being celebrated with great pomp and show. The festival lasts for four days, with Nahai-Khai on the first day, Kharna on the second, Sandhya Arghya on the third, and culminating with offerings to the rising Sun on the fourth. This festival is dedicated to Lord Surya and Goddess Chhathi. According to the Vedic calendar, Chhath Mahaparva is celebrated on the sixth day of the month of Kartik, during which offerings are made to the setting and rising Sun God.
    Trains will be crowded with people returning to Bihar and Purvanchal (UP). The Railways has claimed more than 12,000 special trains to various parts of the country, including Delhi, Mumbai, Surat, and Amritsar. The Railways have also talked about running additional trains. Another major problem is returning to work after Chhath. The millions of people who have returned home in trains will have to return after Chhath. To address passenger inconvenience, the Railways has announced the operation of 6,181 special trains in addition to regular trains.

    Return trains from October 28
    The Railways has announced that 6,181 special trains will be operated from October 28 to facilitate passengers returning to their workplaces after the festivals. According to the Railways, Additional Automatic Ticket Vending Machines (ATVMs), additional Passenger Reservation System (PRS) counters, and other facilities have been provided to facilitate travel amid the passenger rush.

    To manage the heavy crowds during Chhath, holding areas equipped with all passenger amenities have been created at stations such as New Delhi, Anand Vihar Terminal, Udhna, Pune, and Mumbai. The Railways claims that staff are working tirelessly to guide passengers, maintain order, and ensure safety. To ease the rush during the festivals, more than 900 additional special trains are being operated from November 25.

    Nearly 30 stations in Bihar are being prepared for the festive rush with holding areas, additional ticket counters, and CCTV surveillance. Additional coaches are also being added to existing services to meet the growing demand. Stations where holding areas are being created include Patna, Danapur, Rajendra Nagar Terminal, Saharsa, Darbhanga, Muzaffarpur, Gaya, Samastipur, Barauni, and others, as well as Gorakhpur, Ballia, and Varanasi in Uttar Pradesh.