Category Archives: finance

banking, business, economy, finance, interest rates

HDFC Bank cuts MCLR: How much could your EMIs drop?

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**HDFC Bank Cuts MCLR: How Much Could Your EMIs Drop?**
*By Mudit Dube | Oct 07, 2025, 04:30 PM*

HDFC Bank has announced a reduction in its Marginal Cost of Funds-based Lending Rates (MCLR), a move set to benefit borrowers with loans linked to this benchmark. The bank has cut the MCLR by up to 15 basis points (bps) for certain loan tenures. (For reference, one basis point is one-hundredth of a percentage point.)

**Revised MCLR Rates**

Following the revision, HDFC Bank’s MCLR rates now range between 8.45% and 8.65%, depending on the loan tenure. Here are the details of the rate cuts:

– **Overnight MCLR:** Reduced by 10 bps from 8.55% to 8.45%
– **One-Month MCLR:** Reduced by 15 bps from 8.55% to 8.40%
– **Three-Month MCLR:** Reduced by 15 bps from 8.60% to 8.45%
– **Six-Month MCLR:** Reduced by 10 bps from 8.65% to 8.55%
– **One-Year MCLR:** Reduced by 10 bps from 8.65% to 8.55%

**What is MCLR?**

MCLR stands for Marginal Cost of Funds-based Lending Rate. It is the minimum interest rate that a bank is required to charge on loans. This rate determines the baseline interest applicable to various loans and generally remains fixed for borrowers until updated as per the Reserve Bank of India’s (RBI) guidelines.

The RBI introduced MCLR in 2016 to improve the transmission of monetary policy changes into lending rates effectively, making the lending process more transparent and responsive to economic shifts.

**How Will This Affect Your EMIs?**

With the reduction in MCLR, borrowers with loans linked to these rates can expect a decrease in their Equated Monthly Installments (EMIs). The exact drop in EMIs will depend on the remaining loan tenure and the outstanding principal amount. However, even a small cut in interest rates can lead to noticeable savings over time.

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Stay tuned for more updates on how this rate revision impacts your loans and financial planning.
https://www.newsbytesapp.com/news/business/hdfc-bank-slashes-mclr-by-up-to-15-bps/story

business, economy, finance, inflation, stock market

Benign September inflation perks up Philippine stocks

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MANILA, Philippines — Investors were quick to take advantage of lower priced stocks on Tuesday, with the local bourse lighting up green after the inflation rate turned out to be lower than expected.

By the closing bell, the benchmark Philippine Stock Exchange Index (PSEi) recovered by 1.39 percent or 83.51 points to end at 6,083.83. Likewise,

https://business.inquirer.net/551274/benign-september-inflation-perks-up-philippine-stocks

community, cryptocurrency, finance, investing, memecoins

DOGE Holds Firm, PEPE Pulls Back, But AlphaPepe’s Presale Momentum Crowns It Among the Top New Crypto Coins to Invest in 2025

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The meme coin market is showing mixed signals as 2025 progresses. Dogecoin (DOGE) continues to hold its ground above key support levels, Pepe Coin (PEPE) is retracing after a brief surge, and a new contender, AlphaPepe (ALPE), is quickly stealing the spotlight.

While older names consolidate, AlphaPepe’s presale momentum and rapid community growth have positioned it among the top new crypto coins to invest in in 2025, offering a rare balance of hype and structure in the meme space.

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### AlphaPepe’s Presale Momentum Accelerates

AlphaPepe has emerged as one of the fastest-growing meme presales this year. The project has already raised more than $250,000, attracted over 2,000 holders, and seen its second USDT liquidity pool surpass $5,000 — a clear indicator of rising participation and liquidity.

Unlike typical meme tokens that rely purely on social buzz, AlphaPepe integrates real structure into its model. It features instant token delivery, staking rewards of up to 85% APR, and an independently audited smart contract for transparency. These fundamentals, combined with a rapidly expanding online community, are fueling speculation that AlphaPepe could be the next meme coin to achieve breakout status once it lists.

The timing of the presale is also ideal. With Bitcoin and Ethereum stabilizing near record highs, traders are rotating profits into smaller, high-upside assets, and AlphaPepe has become a prime destination for that capital flow.

Analysts believe that if current demand continues, AlphaPepe could mirror early-stage rallies seen in Shiba Inu or Dogecoin, with potential price targets between $0.50 and $1 after listings.

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### Dogecoin Holds Firm

Dogecoin remains the legacy cornerstone of the meme coin sector. Now trading around $0.26, DOGE has shown resilience through recent market fluctuations, maintaining both liquidity and community engagement.

Network updates have improved efficiency and reduced transaction times, strengthening its utility as a low-cost payment token. Despite lacking the explosive upside of newer entrants, Dogecoin’s long-established ecosystem and loyal following keep it relevant in every bull cycle.

Analysts note that its stable price action around current levels is a sign of confidence, especially as rumors persist of a possible Dogecoin ETF that could bring mainstream exposure. If momentum continues into early 2026, DOGE could revisit the $0.35 to $0.40 range.

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### Pepe Coin Pulls Back After Strong Run

Pepe Coin (PEPE) has been facing short-term headwinds after its recent rally. The token’s price has retraced slightly from its highs as traders take profits and liquidity shifts toward newer opportunities like AlphaPepe.

Still, Pepe remains an important player in the meme ecosystem, representing the cultural spark that revived meme trading earlier this cycle. Analysts suggest that PEPE could consolidate near its support zone before attempting another rebound if broader market sentiment improves.

Its long-term performance will depend on whether it can sustain community engagement and build additional use cases beyond pure speculation.

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### Conclusion

Dogecoin continues to prove its staying power, Pepe is recalibrating after a strong run, and AlphaPepe is quickly rising as the market’s new focal point.

With $250K raised, over 2,000 holders, and expanding liquidity, AlphaPepe’s presale momentum has crowned it among the top new crypto coins to invest in 2025. While DOGE and PEPE anchor the meme coin narrative, AlphaPepe represents the next evolution—a project blending viral appeal with transparent tokenomics, staking rewards, and smart launch mechanics.

For investors seeking early exposure ahead of the next meme cycle, AlphaPepe stands out as the clear breakout candidate of the year.

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### Quick Links

– Website: [Insert link here]
– Telegram: [Insert link here]
– X: [Insert link here]

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### Frequently Asked Questions (FAQs)

**What makes AlphaPepe different from Dogecoin and Pepe?**
AlphaPepe combines meme-driven marketing with structured features like instant token delivery, staking options, and an audited contract, giving it both hype and reliability.

**How much has AlphaPepe raised so far?**
The presale has surpassed $250,000 with more than 2,000 holders and growing liquidity pools.

**Why is Dogecoin still important in 2025?**
Dogecoin remains the original meme coin with real adoption, strong liquidity, and community backing that keeps it relevant every cycle.

**Why did Pepe Coin pull back recently?**
After a strong rally, traders took profits and rotated capital into newer presales, causing a short-term correction in PEPE’s price.

**Is AlphaPepe the best new meme coin to invest in?**
Many analysts believe so. Its combination of transparency, staking, and presale traction make it one of 2025’s most promising early-stage meme projects.

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*Disclaimer: This publication is sponsored. Coindoo does not endorse or assume responsibility for the content, accuracy, quality, advertising, products, or any other materials on this page. Readers are encouraged to conduct their own research before engaging in any cryptocurrency-related actions. Coindoo will not be liable, directly or indirectly, for any damages or losses resulting from the use of or reliance on any content, goods, or services mentioned. Always do your own research.*

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### About the Author

**Krasimir Rusev** is a reporter at Coindoo with many years of experience covering cryptocurrencies and financial markets. He specializes in analysis, news, and forecasts for digital assets, providing readers with in-depth and reliable information on the latest market trends. His expertise and professionalism make him a valuable source of information for investors, traders, and anyone who follows the dynamics of the crypto world.
https://coindoo.com/doge-holds-firm-pepe-pulls-back-but-alphapepes-presale-momentum-crowns-it-among-the-top-new-crypto-coins-to-invest-in-2025/

banking, biography, business, finance, leadership

BIZ BUZZ: Xavier ‘XP’ Loinaz: Mentor of CEOs

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As Xavier P. Loinaz, affectionately known as “XP,” joined his Creator, tributes continued to pour in for the esteemed banking luminary.

XP had a remarkable career at the Bank of the Philippine Islands (BPI), serving as CEO for 22 years and dedicating another 16 years as a board member.

During his long tenure as CEO, he mentored many other bankers who looked up to him for guidance and inspiration. His leadership left an indelible mark on the banking industry and on those who had the privilege of working with him.
https://business.inquirer.net/551036/biz-buzz-xavier-xp-loinaz-mentor-of-ceos

central bank, economy, finance, interest rates, peso

BSP seen keeping key rates steady

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The Bangko Sentral ng Pilipinas (BSP) is expected to leave interest rates unchanged this week, pausing after three consecutive cuts.

Officials are taking a cautious approach as they wait for clearer signals on the state of the economy. At the same time, they are carefully weighing the recent slide of the peso.

In a survey conducted last week by the Inquirer, ten out of sixteen economists projected that the Monetary Board (MB) will maintain the current interest rates.
https://business.inquirer.net/550892/bsp-seen-keeping-key-rates-steady-4

business, economy, finance, international, stock market

Fears of £600bn stock market exodus to New York

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A host of household names could quit the stock market in a £600 billion exodus from London, analysts have warned. AstraZeneca, Shell, BP, and Rio Tinto are among those seen to be “at risk” of moving their main listings to New York in what would be a devastating blow to the City.

Analysis by broker AJ Bell identified ten London-listed firms that do so much business in the US, or have so many shareholders there, that they may be tempted to make the switch. The combined value of these firms—which also include Compass, Experian, Bunzl, Smith & Nephew, Rentokil, and Fresnillo—is £620 billion.

“An onslaught of UK-listed companies upping sticks for the US would be terrible for the reputation of the London market,” said Dan Coatsworth at AJ Bell.

Miners Glencore and Anglo American, worth a combined £73 billion, have ruled out moving to New York. However, it is feared that an exodus by other top firms could see them change their minds.

Some companies have already made the switch, including CRH, Flutter, Indivior, and Ferguson, while Ashtead and Wise are in the process of moving their listings.

Coatsworth added that there is a list of UK firms that could “make a good argument for switching their main stock listing to the US.” He explained, “The more companies that move, the more the topic will be discussed in the boardroom by other companies that have a US presence.”

The latest bout of anxiety about an exodus comes after AstraZeneca last week announced plans for a full listing in New York alongside London, sparking fears it could lead to a permanent move.
https://www.thisismoney.co.uk/money/markets/article-15164387/Fears-600bn-stock-market-exodus-New-York.html?ns_mchannel=rss&ns_campaign=1490&ito=1490

culture, economy, finance, lifestyle, technology

MAGGIE PAGANO: Cash is still king, right? Wrong

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If you have heard reports of a rather sweaty woman in gym gear running around the streets of Saffron Walden brandishing a crisp £50 note and cursing under her breath, that was me.

After the gym, I had stopped off at the health food shop to stock up on a few things, handing the assistant the £50 tucked into my leggings. The assistant refused my money. “But surely it’s legal tender,” I cried, “you can’t refuse it.” She didn’t budge, explaining that head office had told them not to accept £50 notes because of counterfeit concerns.

Determined, I went to the butcher’s shop opposite, where I know the staff, asking if they could break the note. Same story—no £50 notes accepted. They suggested I go to a bank. Not such a bad idea, I thought.

However, my bank, Barclays, closed long ago and only two banks remain in town. I ran to Nationwide, where there was a long queue. Explaining my problem, I asked the waiting customers if I could ask the cashier to change the note. They all said yes, of course.

One gentleman took one look at my Queen’s-head note and confidently said it wasn’t fake. That felt like a small victory. The chatter in the queue caught the cashier’s attention, and he stepped out to examine the note himself. He agreed—it was genuine. Another victory!

“But are you a Nationwide customer?” he asked. It felt like a trick question—and it was. Nationwide does not change money if you are not a customer.

By then, I was ready to raise an Essex peasants’ revolt against shops that don’t take money and banks that don’t change banknotes. As luck would have it, one of the kind ladies in the queue opened her wallet, checked her cash, and offered to change my £50.

My first call was to the Bank of England.

**Can vendors refuse to take cash?**

Yes, says the press officer—they can. Even though cash is legal tender, the concept has a narrow, technical legal definition related to contracts. No one is obliged to accept cash in exchange for goods.

**So why is cash usage shrinking so fast?**

Is it because vendors find cash messy to deal with? Are business owners being pushed by payment giants to go digital so they can be charged more? Or do most people simply prefer using cards or, increasingly, mobile payment apps? It’s probably a chicken-and-egg situation.

Whatever the reason, cash is under the kibosh. It made up just 9% of payments last year, compared to nearly half of all transactions a decade ago. It’s predicted to fall to 4% over the next ten years.

**But what happens in emergencies?**

Imagine a cyber hack or cyber warfare brings down banks. Or there are blackouts, like those recently experienced in Spain and Portugal. Or other crises such as another lockdown or war.

Being resilient is why countries such as Norway, Sweden, and the Netherlands have warned their citizens to always keep cash in reserve. They’re also introducing legislation ensuring vendors must accept cash.

The European Central Bank is alert to these dangers as well. All households have been advised to store cash at home in case digital systems fail—as they inevitably will.

In contrast, the Bank of England does not have the mandate to issue such warnings; that responsibility lies with the Government. Interestingly, its Governor, Andrew Bailey, told a recent Citizens’ Panel in Wolverhampton that he always carries cash with him in case of emergencies.

Does that include any £50 notes, I wonder?
https://www.thisismoney.co.uk/money/comment/article-15164391/MAGGIE-PAGANO-Cash-king-right-Wrong.html?ns_mchannel=rss&ns_campaign=1490&ito=1490

business, economy, finance, international, technology

These IPOs will be launched in India this week

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The primary market is gearing up for a major wave of initial public offerings (IPOs) with some high-profile launches on the horizon.

Among the most anticipated offerings are those from Tata Capital and LG Electronics. These upcoming IPOs are expected to attract significant investor interest and could set the tone for the market in the coming months.

Stay tuned for more updates as these launch dates approach, bringing new opportunities for investors and companies alike.
https://www.newsbytesapp.com/news/business/prepare-for-ipo-bonanza-tata-capital-lg-electronics-to-launch/story

aging, family, finance, real estate, relationships

FLOURISHING AFTER 50: Mum promised my kids her house – and left us out

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Dear Vanessa,

My husband and I are both 58, still working, and still paying off our mortgage. Our two adult children, in their early 20s, still live at home with us. Between the mortgage, bills, and supporting them, money is tight, and retirement feels like a long way off.

My mum, who is 80, recently told my kids before she even told me that she plans to leave her house directly to them when she passes, not to me. She says it’s so expensive for young people to buy property and she wants to give them a leg up.

I love that her intention is to help them, but it really hurt to be left out of the conversation. My husband keeps saying I should tell her that we need the money too, but I don’t want to make her feel guilty or worry about me. I just wish she had asked what I thought before making promises.

Now that the kids know about it, they’re almost waiting for that inheritance. It’s changed the way they talk about money, and I worry it’s made them less motivated to work harder for themselves, thinking that a big windfall is on the way.

Am I wrong to feel upset?
— Gwen

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Dear Gwen,

You are not wrong at all. What you’re feeling is completely natural.

Wills are never just about money; they’re about being recognised, included, and respected. Your mum’s decision may have come from love and generosity, but telling your kids before talking to you has created a big emotional gap.

It’s wonderful that she wants to help your children in a tough housing market. But what she may not see is that you and your husband are still carrying heavy financial responsibilities, and her approach has created a problem for the next generation. By promising them her house now, she’s given them a sense of certainty that can easily take away the hunger to build their own future.

That’s why this situation needs both honesty and planning.

First, I’d encourage you to have a calm, open conversation with your mum—not about demanding her money, but about how her choice makes you and your husband feel, and the effect it’s already having on your kids. Let her know you love her intention but wish you had been consulted first.

Second, this is a moment where a financial planner could really help—not just for you, but for your mum too. They can show her options that might help the grandchildren without undermining their motivation or causing you and your husband to feel excluded. They can also suggest practical ways to structure an inheritance so it doesn’t create more problems than it solves.

If you’d like to explore this, you can use my free link to find an adviser.

This isn’t just about who gets what; it’s about family relationships and preparing the next generation to stand on their own feet. Your feelings are valid, and by raising this gently now, you give everyone a better chance of keeping both the love and the money intact.

All the best,
Vanessa
https://www.dailymail.co.uk/news/article-15163089/FLOURISHING-50-Mum-promised-kids-house-left-out.html?ns_mchannel=rss&ns_campaign=1490&ito=1490

business, economy, finance, politics, technology

Stocks rise on AI optimism, US rate-cut hopes

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NEW YORK, United States – Stock markets struck fresh records Friday, driven by investor optimism over artificial intelligence and hopes of US interest rate cuts. This positive sentiment overshadowed concerns about an ongoing government shutdown.

Wall Street’s main indices were mixed at the end of the day, although the Dow and S&P 500 notched fresh records.

https://business.inquirer.net/550751/stocks-rise-on-ai-optimism-us-rate-cut-hopes