Category Archives: finance

demographics, economy, finance, india, investment

10% households invest in markets: Survey

Leave a comment

**Less than 10% of Indian Households Invest in Securities Market, Sebi Survey Reveals**

*MUMBAI:* According to a recent survey conducted by the Securities and Exchange Board of India (Sebi), less than one out of every ten households in India—only 9.5%—invest in securities market-related financial products such as stocks and mutual funds.

This low investment penetration persists despite the fact that 63% of the country’s total 33.7 crore households are aware of at least one such product.

**State-wise Investment Penetration**

The survey highlights significant variation across states. Delhi leads with nearly 21% of households investing in securities market products, followed by Maharashtra at 17%. On the other end of the spectrum, Uttarakhand records the lowest penetration with just 4.5% of stock-related investing households.

**Mutual Funds vs. Stocks**

At the all-India level, mutual funds have a higher penetration rate compared to stocks. About 6.7% of households invest in mutual funds, while 5.3% hold stocks. Other financial products such as Futures & Options (F&O), REITs/InvITs, and corporate bonds have less than 1% penetration among households.

**Risk Preferences**

The survey also sheds light on investors’ risk appetite. Nearly 80% of households prefer capital preservation over higher returns. This cautious approach extends to younger generations as well, with 79% of Gen-Z households displaying risk-averse behavior.

**About the Survey**

This nationwide survey was commissioned by Sebi in collaboration with the Association of Mutual Funds in India (Amfi), Bombay Stock Exchange (BSE), National Stock Exchange (NSE), and other market infrastructure institutions.

—

*Follow Us On Social Media for More Updates*
https://timesofindia.indiatimes.com/business/india-business/10-households-invest-in-markets-survey/articleshow/124280549.cms

business, economy, finance, startups, technology

OpenAI valuation soars to $500B in private share sale – reports

Leave a comment

PARIS, France — The valuation of ChatGPT developer OpenAI soared to a chart-topping $500 billion in a deal allowing employees to sell a limited number of shares, financial media reported Thursday.

If confirmed, the sale of a reported $6.6 billion in shares by OpenAI workers to investors would make the company the world’s most valuable startup, overtaking Elon Musk’s ventures.

https://business.inquirer.net/550437/openai-valuation-soars-to-500b-in-private-share-sale-reports

cryptocurrency, economics, finance, technology, trading

Why Dogecoin bulls must watch THIS hurdle after $0.22 rebound

Leave a comment

**Key Takeaways: Why Did Dogecoin Rebound?**

Dogecoin (DOGE) recently bounced at a crucial support level of $0.22, reclaiming both the 20-day and 50-day Exponential Moving Averages (EMAs) while holding above the 100-day EMA trendline. This technical movement has reignited bullish sentiment among traders.

—

### What DOGE Signals Point Toward $0.30?

The surge in DOGE’s price is backed by strong market indicators. Futures Open Interest (OI) jumped to $4.23 billion, highlighting increased speculative and institutional involvement. Additionally, liquidity pockets above $0.25 suggest that traders have a strong appetite for higher price levels, indicating robust bullish positioning.

—

### Technical Analysis: DOGE’s Recent Price Action

Earlier this week, Dogecoin slipped to the key technical support at $0.22 before bouncing back sharply. This support level aligns with the 100-day EMA, reinforcing its reliability. Bulls defended this zone, resulting in a notable 9% daily gain that preserved the broader upward trend.

Following the rebound, DOGE successfully crossed above the 20-day EMA at $0.24 and the 50-day EMA at $0.23. This shift in technical momentum has boosted confidence in a potential rally toward the next resistance level at $0.30.

—

### DOGE On-Chain Metrics Complement Technical Setups

Beyond price action, on-chain data supports the optimistic outlook for DOGE. According to CoinGlass, the DOGE Futures Open Interest surged significantly to $4.23 billion, indicating that more capital is entering the market. Rising OI often points to increasing volatility and greater trader participation.

Moreover, CoinGlass’s DOGE/USDT Liquidation Heatmap reveals multiple liquidity clusters above the $0.25 mark. These clusters act as strong magnets, suggesting that if momentum continues, these levels could attract further buying pressure.

—

### History Repeats at Trendline Support

This recent rebound mirrors past rallies in early July and earlier this month, where DOGE bounced off the trendline support and surged between 15% to 20% within just a few days. Such historical patterns keep traders eyeing $0.30 as the next significant upside target.

However, it’s important to monitor market sentiment closely. If profit-taking intensifies or Funding Rates spike, the bullish outlook might shift. For the moment, both chart patterns and market positioning remain tilted toward a positive trajectory.

—

Stay tuned for updates as DOGE aims to sustain its momentum and possibly test new highs.
https://ambcrypto.com/why-dogecoin-bulls-must-watch-this-hurdle-after-0-22-rebound

banking, economy, finance, policy

RBI raises IPO financing limit to ₹25L per investor

Leave a comment

**RBI Raises IPO Financing Limit to ₹25 Lakh Per Investor**

*By Akash Pandey | Oct 01, 2025, 05:12 PM*

—

**Overview**

The Reserve Bank of India (RBI) has announced a significant increase in the financing limit for Initial Public Offerings (IPOs), raising it from ₹10 lakh to ₹25 lakh per investor. This decision aims to improve credit flow in the economy and was revealed by RBI Governor Sanjay Malhotra following a three-day meeting of the monetary policy committee.

—

**Key Regulatory Changes**

Alongside the hike in IPO financing limits, the RBI is set to remove the regulatory cap on lending against listed debt securities. In addition, the loan limit against shares has been raised substantially—from ₹20 lakh to ₹1 crore per person.

These measures form part of RBI’s wider strategy to enhance credit availability across the Indian economy.

—

**Expansion of Banking Lending Scope**

In a major policy shift, Indian banks are now permitted to finance mergers and acquisitions (M&A) among domestic companies. This structural change is anticipated to bolster the banking sector by diverting deal financing from private credit players to formal banking channels.

—

**Industry Response and Policy Alignment**

Experts have welcomed the RBI’s measures aimed at boosting credit flow. Chanchal Agarwal, Chief Investment Officer at Equirus Family Office, highlighted that these reforms will help banks regain credit flows previously moving towards structured credit products.

Furthermore, the RBI’s policy focuses on broadening credit intermediation, especially by enabling Urban Cooperative Banks to expand their services. This aligns with the government’s “Viksit Bharat” agenda, which emphasizes improving credit access and deepening India’s financial ecosystem.

—

**Economic Projections**

The RBI has revised upward its GDP growth forecast for the current fiscal year from 6.5% to 6.8%, while lowering its Consumer Price Index (CPI) inflation estimate from 3.1% to 2.6%.

Murthy Nagarajan, Head of Fixed Income at Tata Asset Management, noted that these adjustments may create room for potential rate cuts in upcoming monetary policy meetings. The repo rate remains unchanged for now, as broadly expected.

—

**Promoting the International Use of the Indian Rupee**

In efforts to enhance the global footprint of the Indian rupee (INR), the RBI has proposed measures to allow authorized Indian banks to offer rupee-denominated loans to non-residents in Bhutan, Nepal, and Sri Lanka for cross-border trade transactions.

Governor Malhotra stated that the RBI has made steady progress toward this goal, with the current proposals serving as critical steps in that direction.

—

**Conclusion**

The RBI’s recent policy measures—including raising IPO financing limits, expanding lending scopes, and promoting the rupee’s internationalization—are designed to stimulate credit flow, support economic growth, and strengthen India’s financial system. Market participants and experts alike view these steps as positive developments for India’s evolving economic landscape.
https://www.newsbytesapp.com/news/business/rbi-enhances-ipo-financing-limit-improving-credit-flow/story

banking, economy, finance, policy

RBI proposes risk-based deposit insurance premium structure for banks

Leave a comment

**RBI Proposes Risk-Based Deposit Insurance Premium Structure for Banks**
*By Akash Pandey | Oct 01, 2025, 04:54 PM*

The Reserve Bank of India (RBI) has proposed a significant change to the deposit insurance premium structure for banks, shifting from the current flat-rate system to a risk-based model. This move aims to align India’s banking practices with international standards and promote stronger risk management within the sector.

**Current Premium Structure and Proposed Changes**
At present, all banks pay a uniform premium of 12 paise per ₹100 of deposits to the Deposit Insurance and Credit Guarantee Corporation (DICGC), irrespective of their financial health or risk profile. Under the new proposal, this flat rate would act as a ceiling, ensuring that no bank pays more than the current premium.

However, banks with stronger balance sheets and healthier financial indicators could benefit by paying lower premiums. This approach rewards sound financial management and incentivizes banks to maintain robust risk profiles.

**Linking Premiums to Financial Health**
The proposed risk-based premium structure will factor in critical indicators such as capital adequacy, asset quality, and governance standards. RBI Governor Sanjay Malhotra emphasized that this framework is designed to encourage sound risk management practices and increase accountability among banks.

By tying premiums to financial health, the RBI expects to foster greater market discipline and reduce the systemic risks posed by weaker banks.

**No Change in Insurance Coverage Limit**
It is important to note that this proposal does not affect the existing deposit insurance coverage. Depositors continue to enjoy protection up to ₹5 lakh per depositor, per bank— a limit that was raised from ₹1 lakh in 2020 following several bank failures that undermined depositor confidence.

The coverage includes both principal and accrued interest.

**Context of Wider Banking Sector Reforms**
The RBI’s premium restructuring is part of broader reforms aimed at strengthening India’s banking sector resilience. These reforms include implementing expected credit loss provisioning, introducing Basel III capital norms starting 2027, and enforcing stricter governance requirements under the amended banking laws.

Alongside these regulatory measures, the RBI recently maintained the repo rate unchanged for the second consecutive meeting and signaled a neutral stance on future monetary policy moves.

**Conclusion**
By transitioning to a risk-based deposit insurance premium framework, the RBI is incentivizing healthier banking practices and aligning India’s financial system with global best practices, all while ensuring continued protection for depositors.

—

*Stay updated with the latest developments in India’s banking sector by following our coverage.*
https://www.newsbytesapp.com/news/business/rbi-to-introduce-risk-based-deposit-insurance-premium/story

business, finance, market, real estate, technology

WeWork India to launch ₹3,000cr IPO on October 3

Leave a comment

**WeWork India to Launch ₹3,000 Crore IPO on October 3**

*By Dwaipayan Roy | September 28, 2025, 03:12 PM*

WeWork India, a leading player in the co-working space, is all set to launch its initial public offering (IPO) on October 3, 2025. The IPO is estimated to be worth around ₹3,000 crore. According to the red herring prospectus (RHP), bidding for anchor investors will open on October 1 for one day, and the IPO will close on October 7.

### Share Details and Offer for Sale (OFS)

The upcoming IPO from WeWork India is structured as an Offer for Sale (OFS) of up to 4.63 crore equity shares. The shares will be sold by Embassy Buildcon LLP, a promoter group firm, and Ariel Way Tenant Ltd, a subsidiary of WeWork Global. Since this is an OFS, WeWork India itself will not receive any proceeds from the listing.

### About WeWork India

Established in 2017, WeWork India operates under an exclusive license of the global ‘WeWork’ brand. The company is promoted by the Bengaluru-based real estate giant Embassy Group, which currently holds about 76.21% stake in WeWork India. WeWork Global owns the remaining 23.45%.

WeWork India operates across major Tier-1 cities, including Bengaluru, Mumbai, Pune, and Hyderabad, among others.

### Business Scale and Operations

WeWork India manages an extensive portfolio of over 77 lakh sq ft of commercial space, with 70 lakh sq ft currently operational. The company offers a desk capacity of more than 1.03 lakh and employs over 500 people nationwide.

In January 2024, WeWork India raised ₹500 crore through a rights issue aimed primarily at reducing debt and supporting its growth plans.

### Market Entry and IPO Goals

The company’s plan to list its equity shares on the stock exchanges in early October is intended to enhance its market visibility, provide liquidity to existing shareholders, and establish a public market for its shares in India.

With the IPO opening on October 3 and closing on October 7, WeWork India is expected to make its stock market debut by October 10.

—

Stay tuned for more updates on WeWork India’s IPO and its journey in the listed space.
https://www.newsbytesapp.com/news/business/everything-we-know-about-wework-india-s-ipo/story

business, crime, finance, law

Mumbai Crime News: Police Book Investment Firm’s CFO For Allegedly Embezzling ₹1.18 Crore

Leave a comment

Mumbai: The MIDC police have booked the chief financial officer of Marcellus Investment Managers Pvt Ltd for allegedly embezzling Rs 1.18 crore. Pankaj Gupta, 48, is accused of siphoning off the amount using the company’s HDFC Bank credit card and current account ATM card.

### About the Case

According to the FIR, Marcellus Investment Managers is an investment firm located in MIDC, Andheri East, employing around 100 staff members. Gupta, a resident of Kandivali East, had been serving as the CFO since 2022 and was responsible for handling all financial matters.

The suspicious transactions were noticed between December 2024 and July this year. Upon inquiry by the company, Gupta allegedly confessed to transferring funds to his personal accounts in Kotak Bank, Axis Bank, and HDFC Bank.

The firm requested him to provide a written admission on stamp paper. Following this, Gupta allegedly threatened to harm himself as disciplinary action was underway against him.

On behalf of the company, Parilmal Deuskar, 47, a legal consultant, filed a complaint at the MIDC police station, leading to the registration of the case.

—

For details on exclusive and budget-friendly property deals in Mumbai and surrounding regions, visit: [https://budgetproperties.in/](https://budgetproperties.in/)
https://www.freepressjournal.in/mumbai/mumbai-crime-news-police-book-investment-firms-cfo-for-allegedly-embezzling-118-crore

business, cryptocurrency, finance, investment, technology

Tether (USDT) Fundraising Interest Reportedly From Softbank, Ark Invest

Leave a comment

Tech-focused investment firms SoftBank and Ark Invest are reportedly in early-stage talks to invest in Tether, the issuer of the world’s largest stablecoin, USDT, Bloomberg reported on Friday.

This news follows earlier reports this week revealing Tether’s plans to raise up to $20 billion in a fundraising round, which would value the company at around $500 billion. Such a valuation would make Tether one of the world’s most valuable private companies, highlighting the explosive growth and investor interest in the stablecoin space.

Stablecoins are a class of cryptocurrencies with prices pegged to fiat currencies like the U.S. dollar. Proponents say stablecoins could offer a cheaper, faster alternative for cross-border transactions by leveraging blockchain technology. The sector has expanded rapidly, growing 40% year-to-date to reach $287 billion, according to data from RWA.xyz. Additionally, analysts at global bank Citi project that stablecoins could reach a market value of $4 trillion in a bull market scenario.

Tether’s USDT leads the market with a $173 billion market capitalization. It is predominantly backed by U.S. Treasuries, which have generated substantial profits from bond yields in recent years. The company reported $4.9 billion in profits in the second quarter of this year alone.

Another major player, Circle (CRCL), issuer of the second-largest stablecoin USDC with a market value exceeding $70 billion, went public in June. Since its debut, Circle’s stock price surged from around $30 to $300, underscoring strong investor appetite for exposure to the stablecoin theme.

Tether has also focused on serving emerging markets with limited access to U.S. dollars. Earlier this month, the company announced its intention to formally enter the U.S. market with a new dollar token dubbed USAT. This token is designed to comply with the GENIUS Act, the nation’s first federal crypto law that sets regulatory standards for stablecoins.

To lead its U.S. division, Tether has hired Bo Hines, the former director of the White House Crypto Council who advised President Donald Trump on cryptocurrency policies.

With substantial backing and strategic moves, Tether is positioning itself to remain a dominant force in the fast-growing stablecoin sector, which has the potential to disrupt global payment systems.
https://bitcoinethereumnews.com/tech/tether-usdt-fundraising-interest-reportedly-from-softbank-ark-invest/?utm_source=rss&utm_medium=rss&utm_campaign=tether-usdt-fundraising-interest-reportedly-from-softbank-ark-invest

banking, cryptocurrency, finance, regulation, technology

UK banks forge ‘digital sterling’ in landmark tokenization pilot

Leave a comment

**UK Banks Launch Live Pilot for Tokenized Sterling Deposits, Advancing Financial System Modernization**

UK banks are embarking on a live pilot phase for tokenized sterling deposits, marking a significant step toward modernizing the core infrastructure of the United Kingdom’s financial system through distributed ledger technology (DLT).

According to a press release dated September 26, UK Finance is leading this initiative with participation from major banks including Barclays, HSBC, Lloyds Banking Group, NatWest, Nationwide, and Santander. The project, running through mid-2026, aims to facilitate live transactions using tokenized sterling deposits.

### Pilot Focus and Objectives

The pilot will specifically test practical applications such as online marketplace payments, remortgaging, and digital asset settlement. Key goals include enhancing transaction speed and reducing fraud, thereby highlighting tangible benefits of tokenized deposits in everyday financial activities.

### Building on the Regulated Liability Network

This new pilot builds directly on the foundation established by the Regulated Liability Network (RLN), a multi-phase initiative exploring how tokenization can be applied to money circulating within the regulated financial system.

Previous RLN trials demonstrated that commercial bank deposits can be transformed into digital tokens without compromising the trust and protections fundamental to the banking sector. Transitioning into a live transaction phase allows UK Finance and its member banks to rigorously test this model at scale and across various real-world use cases.

### Guidance and Support from the Bank of England

The Bank of England has played a discreet yet influential role in shaping this direction. Governor Andrew Bailey recently encouraged banks to prioritize tokenized deposits over issuing proprietary stablecoins, citing tokenized deposits as a more stable and regulated pathway for modernizing money.

### Interoperability and Inclusive Access

A critical technical feature of the pilot platform is its full interoperability. As stated in the press release, the platform is being developed to seamlessly integrate with other emerging digital money and payment systems. This includes tokenized deposits, potential future central bank digital currencies (CBDCs), and projects like the planned digital gilt (DIGIT).

Furthermore, the pilot offers tokenization-as-a-service, enabling institutions without in-house capabilities to develop their own digital deposit systems to participate. This approach broadens access and helps establish an inclusive framework for digital payments across the UK financial landscape.

—

This live pilot phase represents a pivotal milestone in the UK’s journey toward a more efficient, secure, and technologically advanced financial system. By leveraging tokenization and distributed ledger technology, UK banks are setting the stage for innovative payment solutions that promise to benefit consumers, businesses, and the economy as a whole.
https://crypto.news/uk-banks-forge-digital-sterling-in-landmark-tokenization-pilot/

business, education, finance, technology, trading

How Beginners Can Transition From Manual To Automated Trading

Leave a comment

Trading has evolved significantly over the years. What once relied heavily on intuition, chart reading, and gut feeling has now shifted toward systematic, data-driven methods. For beginners, moving from manual trading to automated trading can feel overwhelming. However, with structured learning, practical guidance, and the right resources, this transition is entirely achievable.

In this article, we’ll explore how beginners can transition from manual to automated trading, the role of education in facilitating this shift, and how QuantInsti’s quantitative finance courses—including *Automated Trading for Beginners* and their day trading course—help learners acquire real-world skills.

—

### The Challenges of Manual Trading

Manual trading demands constant attention to the markets. Traders must monitor price movements, analyze charts, track news, and make swift decisions. Beginners often face several common challenges:

– **Time-consuming:** Long hours of screen time are required to monitor markets and respond to events.
– **Emotional Influence:** Fear, greed, and impatience can affect decisions, leading to inconsistent results.
– **Limited Data Handling:** Humans can process only so much information at once, often missing hidden patterns.
– **Backtesting Difficulties:** Testing strategies on historical data manually is slow and prone to errors.

While manual trading is excellent for learning market fundamentals, it is often inefficient and not scalable for long-term growth. This is where automated trading becomes a game-changer.

—

### Why Automated Trading Works

Automated trading uses preset rules and computer programs to execute trades. It offers several advantages, especially for beginners:

– **Consistency:** Trades follow defined rules, eliminating emotional biases.
– **Speed:** Computers react faster than humans, capturing opportunities immediately.
– **Data-Driven Decisions:** Algorithms process technical indicators and historical data for informed trading.
– **Backtesting and Optimization:** Strategies can be tested on past data to refine rules before risking real capital.

Automated trading does not replace human judgment; rather, it enhances it. It allows traders to focus on strategy design, risk management, and market analysis instead of reacting impulsively.

—

### Building a Strong Foundation

The first step in moving to automated trading is structured learning. Beginners need to understand market basics, trading strategies, and programming fundamentals.

Quantitative finance courses provide this foundation with modules designed for both beginners and advanced learners. Courses like *Automated Trading for Beginners* teach Python programming, quantitative techniques, and methods to analyze historical market data.

Students explore various strategies, including day trading, event-driven trading, ARIMA, ARCH, GARCH, volatility modeling, and statistical arbitrage.

—

### Learning by Doing

Theory alone is not enough. Beginners must apply what they learn in real-world scenarios. Starting by coding simple strategies such as momentum trading or scalping helps build practical skills.

Backtesting allows learners to evaluate how a strategy performs historically, adjust parameters, and understand market condition impacts. This hands-on approach builds confidence before live trading, ensuring strategies are well understood and risks are managed.

—

### Transitioning from Manual to Automated Day Trading

Day trading is often where beginners first experience the benefits of automation. A dedicated day trading course shows how to automate strategies previously executed manually. Here’s a step-by-step approach for beginners:

1. **Start Small:** Begin with simple strategies like momentum trading or basic indicators. Understand the rules and execution.
2. **Backtest Strategies:** Use historical data to evaluate performance and identify weaknesses without risking real money.
3. **Paper Trading:** Simulate trades in real-time using virtual capital to bridge the gap between testing and live markets.
4. **Live Trading with Risk Management:** Once confident, start live trading with strict stop-loss rules and proper position sizing.

This structured process saves time, reduces errors, and helps build a systematic, disciplined trading practice.

—

### A Learner’s Journey: From Curiosity to Confidence

Consider Xavier Anthony from Canberra, Australia. With a background in engineering and computer science, Xavier was naturally drawn to data and technology and had a strong fascination with financial markets. He experimented with mock trades and tested various strategies but struggled to turn knowledge into consistent results.

Xavier’s breakthrough came when he joined QuantInsti’s Executive Programme in Algorithmic Trading (EPAT). Through the program, he acquired technical skills, mastered backtesting, learned risk management, and honed strategy evaluation.

Today, Xavier confidently develops trading strategies, understands why trades execute, and knows how they fit into a broader portfolio—demonstrating how structured education and practical experience are crucial in transitioning from manual to automated trading.

—

### Tools and Resources for Beginners

QuantInsti offers a comprehensive ecosystem to support learners moving into automated trading:

– **Interactive Notebooks and Coding Exercises:** Learn by doing in an engaging environment.
– **Capstone Projects with Real Market Data:** Apply strategies in realistic, hands-on scenarios.
– **Community and Faculty Support:** Access expert guidance and peer support.
– **Lifetime Access:** Revisit courses, exercises, and projects anytime to sharpen skills.

These resources allow beginners to build expertise gradually without feeling overwhelmed.

—

### Tips for a Smooth Transition

To make the shift from manual to automated trading easier, keep the following tips in mind:

– **Be Patient:** Automation is not a shortcut to instant profits. Start small and focus on learning.
– **Learn from Mistakes:** Use backtesting and paper trading to experiment safely.
– **Prioritize Risk Management:** Effective position sizing and stop-loss rules are essential.
– **Practice Consistently:** Regular coding, testing, and refining improve skills and confidence.
– **Seek Guidance:** Utilize courses, communities, and mentors to avoid common pitfalls.

—

### Final Thoughts

Transitioning from manual to automated trading may seem challenging, but it is vital for long-term success. Automation brings consistency, efficiency, and the ability to analyze vast amounts of data.

QuantInsti’s quantitative finance courses equip beginners with the knowledge, hands-on experience, and confidence needed to design, backtest, and implement automated strategies effectively.

QuantInsti offers a modular, flexible, “learn by coding” approach, including free starter courses and affordable per-course pricing. For advanced learners, the EPAT program provides live classes, expert faculty, placement support, and career opportunities through hiring partners and alumni success stories.

Together, these programs help beginners become skilled, confident traders ready to succeed in today’s dynamic markets.
https://www.freepressjournal.in/latest-news/how-beginners-can-transition-from-manual-to-automated-trading