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    Freedom to Spend Smarter: AU Small Finance Bank Credit Cards Bring Rewards, EMI Flexibility and Lounge Access to India''s Biggest Shopping Month
    Rupee falls 8 paise to 95.25 against US dollar in early trade
    APEDA Facilitates First-Ever Export of GI-tagged Mithila Makhana by Sea Route from Bihar to Australia
    Government signs strategic MoUs with key industry leaders and ecosystems to strengthen support to StartUps
    No Charges for UPI Users
    Competition Commission of India (CCI) hosts BRICS Heads of Competition Authorities 2026 meeting
    ICoAS fraternity reaffirms commitment to cost optimisation for Atmanirbhar Bharat on ICoAS day 2026
    Govt to introduce bill in Lok Sabha to broaden NCDC's mandate for co-operative sector growth
    AAP govt indulged in large-scale financial irregularities, caused losses to exchequer: Delhi minister
    ED files chargesheets in 2 PMLA cases against Anil Ambani Group companies, ex-executives
    RJD criticises UDF govt's move not to disburse pensions through cooperative banks
    Raymond Limited reports a healthy Q1 FY27 performance
    Why Most People Choose the Wrong Savings Account And How Not to Be One of Them
    RBI has proactively helped UCBs; cooperatives should look at regulator differently: Shah
    Ministry of Agriculture, Food and Rural Affairs and aT Host '2026 K-Food Fair in New Delhi, India'
    No compromise on tackling illegal immigrants' issue: Minister Priyank Kharge
    Technology, transparency key for urban cooperative banks to stay competitive: Shah
    Paul Merchants Gets RBI Approval for Perpetual AD Category-II Licence Under Revised FEMA Framework
    IEPFA Organises Stakeholder Engagement with Nodal Officers of Companies on Integrated IEPFA Portal 2.0
    Rupee settles with 5 paise gain at 95.17 against US dollar
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    August 10, 2026
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    Credit card payment flexibility supports seasonal shopping and travel through eligible EMIs, rewards, tracking tools and conditional merchant benefits.
    Credit-card spending features include conversion of eligible purchases into EMIs, selected no-cost EMI options, reward points, cashback, merchant discounts and payment flexibility. Travel-related benefits may include domestic airport lounge access, travel-booking discounts, fuel-surcharge waiver and anniversary-linked rewards. The AU 0101 application enables transaction tracking, balance and interest-rate monitoring, EMI conversion and bill-payment management. Features and offers are subject to change, customer eligibility, internal policies and partner-merchant terms.
    August 10, 2026
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    Foreign-exchange market conditions weakened the rupee as stronger dollar and crude prices offset support from reserve growth and inflows.
    Foreign-exchange market conditions saw the rupee weaken against the US dollar in early trading, influenced by a stronger dollar and higher global crude oil prices. Foreign institutional equity inflows and increased foreign-exchange reserves moderated pressure on the rupee. Market attention remained focused on developments in West Asia and the Reserve Bank of India, alongside movements in the dollar index, crude oil prices and domestic equity markets.
    August 10, 2026
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    GI-tagged Mithila Makhana export facilitation expands sea-route market access while supporting quality compliance and farmer-linked value chains.
    Export facilitation for GI-tagged Mithila Makhana enabled the first commercial sea-route shipment from Bihar to Australia. APEDA, in association with the Bihar agriculture department, supported market access, coordination, capacity building and stakeholder engagement. The export model is intended to improve farmer price realisation, require adherence to global quality standards, and strengthen growers, processors and exporters. A separate HS Code for Makhana has taken effect under the Finance Bill, 2025, supporting product-specific trade classification.
    August 10, 2026
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    Startup ecosystem support expands through digital payments, cloud access, AI innovation, investment readiness, governance support and global market programmes.
    DPIIT has entered into strategic MoUs to support DPIIT-recognised startups through payment infrastructure, entrepreneurship development, cloud technology, mobility innovation, investment readiness and global-market access. Eligible startups may receive payment and cloud support, technical training, mentorship, startup formalisation assistance, market and investor connections, AI and mobility enablement, and programmes addressing governance, financial readiness, compliance and international expansion. The collaborations promote innovation across digital payments, clean energy, artificial intelligence, climate technology, advanced manufacturing, mobility and automotive technology.
    August 10, 2026
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    UPI transaction charges remain unavailable for consumers and person-to-person payments, while limited threshold-based merchant MDR may be considered.
    Proposed amendment of section 10A of the Payment and Settlement Systems Act, 2007 is intended to support UPI sustainability, technological advancement and resilience. Consumer payments and person-to-person transactions are to remain free. Any future merchant discount rate would apply only to limited merchant transactions above a threshold, at a nominal rate, while most merchant transactions remain free. The framework supports investment in cybersecurity, fraud prevention and infrastructure, alongside a self-sustaining and inclusive digital-payment ecosystem.
    August 10, 2026
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    Fair competition cooperation in renewable energy markets advances knowledge-sharing and evidence-based enforcement across interconnected digital and energy markets.
    BRICS competition authorities adopted a Joint Statement strengthening cooperation to promote fair competition, including in renewable energy markets. Cooperation focuses on dialogue, knowledge-sharing and consideration of cross-border competition challenges in digital markets, emerging technologies and the energy transition. Competition enforcement is to remain principled and evidence-based, supporting efficiency, consumer welfare, innovation and merit-based competition. A collaborative renewable-energy competition study identified evolving market dynamics and areas for future cooperation.
    August 10, 2026
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    Cost optimisation in public finance strengthens investment decisions, risk allocation, indigenous manufacturing and value-driven government expenditure through specialised financial expertise.
    ICoAS cost optimisation supports public financial management through prudent resource utilisation, financial oversight and improved cost management across government. Its role includes supporting indigenous manufacturing, better investment decisions, efficient public expenditure and maximum value for public spending. With greater private-sector participation and Public-Private Partnerships, ICoAS officers are expected to promote cost efficiency, appropriate risk allocation and sound project structuring. Capacity building emphasises integrity, financial modelling, data visualisation, analytical frameworks and artificial intelligence for improved public-finance management.
    August 9, 2026
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    Co-operative development financing would expand through direct assistance, share-capital participation and wider operational powers for sectoral support.
    National Cooperative Development Corporation (Amendment) Bill, 2026 proposes to broaden the Corporation's mandate to promote co-operative development. It would permit direct loans and grants to co-operative societies and other entities engaged in co-operative development, where funds are used for co-operative purposes. With Central Government approval, the Corporation could participate in the share capital of such entities. The proposals also expand the meaning of foodstuffs, remove geographical restrictions for industrial-goods assistance, and provide additional functional powers.
    August 9, 2026
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    GST compliance failures and electricity subsidy controls raise allegations of financial irregularities and potential losses to the public exchequer.
    Allegations based on a Comptroller and Auditor General report identified purported GST compliance failures involving outstanding tax liabilities, e-way bills generated after cancellation of GST registrations, limited bill scrutiny, non-compliance, and turnover mismatches. The allegations also concerned electricity subsidies extended to consumers with prolonged zero bills or apparent non-residence, presenting these issues as possible financial irregularities and losses to the public exchequer.
    August 9, 2026
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    Money-laundering prosecution complaints allege fund diversion through shell entities, credit-facility evergreening, layered transactions and fictitious project expenditure.
    Money-laundering prosecution complaints allege that funds from toll-road projects and credit facilities were diverted through group companies, contractors, shell entities and conduit accounts. In the toll-road matter, allegedly sham or back-dated subcontracting arrangements and subsequent documentation were used to portray transfers as genuine project expenditure. In the credit-facilities matter, fresh facilities were allegedly used to repay, rotate and evergreen earlier liabilities rather than for sanctioned end-use, with funds layered and presented as legitimate business expenditure or receipts. Attached assets are sought to be confiscated as alleged proceeds of crime.
    August 9, 2026
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    Direct Benefit Transfer pension disbursement replaces cooperative-bank doorstep delivery, while preserving home payments for beneficiaries unable to use bank accounts.
    Direct Benefit Transfer of social security and welfare pensions to Aadhaar-linked bank accounts is intended to replace cooperative-bank doorstep delivery, except for bedridden and similarly situated beneficiaries. The change addresses delays in remitting undistributed pensions, deficient record updates and reconciliation, duplicate payments, delivery incentives, and compliance with Direct Benefit Transfer norms. Criticism focuses on beneficiary access to linked commercial-bank accounts, possible minimum-balance deductions, exclusion of cooperative banks, and the effect on doorstep-delivery workers.
    August 8, 2026
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    Engineering business growth supported Raymond's first-quarter performance, with export expansion, capacity investment and net-debt-free financial flexibility.
    Raymond Limited reported unaudited first-quarter FY27 growth in total income, EBITDA and profit before tax before exceptional items, while remaining net-debt-free with a net cash surplus. Its Engineering business comprises Precision Technology & Auto Components and Aerospace & Defence. Growth in the former was attributed to export expansion, operating leverage, product mix and cost reductions. Aerospace & Defence growth was linked to production for global OEMs, portfolio expansion and increased capacity, although margins were affected by targeted research and development investment. Forward-looking statements remain subject to regulatory, political, economic and technological risks.
    August 8, 2026
    Show AI Summary
    Savings account selection requires comparison of effective interest, fees, digital service, access, and individual banking needs.
    Savings-account selection should compare effective interest returns under slab-based rates, recurring operating charges and the customer's actual banking needs. Net value depends not only on advertised rates but also on relevant minimum-balance, card, ATM, alert and transfer fees. Digital reliability, customer support, branch availability and ATM access should be assessed according to the customer's average balance, cash use, transfer frequency, travel patterns and need for in-person assistance. The suitable account is one that matches real banking behaviour.
    August 8, 2026
    Show AI Summary
    Urban cooperative bank regulation promotes licensing, governance, compliance support and cybersecurity measures to strengthen stability and depositor confidence.
    Urban cooperative banks are encouraged to recognise regulatory support through liberalised branch opening, doorstep banking, demand drafts, life certificates, dedicated regulatory coordination, enhanced gold-loan limits, one-time settlements and progress towards on-tap licensing. Sound governance is material to sectoral stability, while small-borrower lending is presented as a comparatively safe lending segment. The umbrella body can support member banks through technical expertise, compliance assistance, cybersecurity solutions and participation in a security operations centre to strengthen depositor confidence.
    August 8, 2026
    Show AI Summary
    Korean food export promotion combines buyer consultations, regulatory guidance and consumer experiences to support entry into Indian and South Asian markets.
    Korean food export promotion in India and South Asia combined business consultations with consumer-facing activities. Individual meetings connected Korean exporters with regional buyers and generated memoranda of understanding for products including frozen gimbap, ginseng wine and kombucha. Exporters received on-site guidance concerning non-tariff barriers, including food import customs clearance and certification requirements. Preparatory online sessions addressed import procedures, regulatory matters and consumer trends, while consumer events promoted Korean food through tasting, retail and experiential activities.
    August 8, 2026
    Show AI Summary
    Illegal immigration enforcement prioritises dismantling entry, documentation and employment networks while requiring citizens to report information through police channels.
    Illegal immigration enforcement involves continuous identification and verification operations, coordination with relevant officials, and confidential investigation of networks facilitating entry, identity documentation, accommodation and employment. Enquiries extend to intermediaries, contractors, Aadhaar procurement and verification practices, rather than focusing only on apprehended individuals. Citizen vigilantism, moral policing and social-media targeting of suspected migrants are discouraged because they may compromise investigations; information should instead be given through proper police channels.
    August 8, 2026
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    Technology, transparency and governance strengthen urban cooperative banks through modern customer services, depositor protection and cooperative-sector support.
    Technology adoption, transparency, sound governance and modern customer services are identified as necessary for urban cooperative banks to remain competitive. Banks are encouraged to join the sector's umbrella organisation and self-regulatory body, which provides capital, information-technology infrastructure and liquidity support. Protection of depositors' money remains a regulatory responsibility, while banks are expected to improve governance, train staff, adopt technology and enhance customer-centric services. Customer prosperity and reduced perception gaps between the central bank and urban cooperative banks are emphasised as measures to strengthen the sector.
    August 8, 2026
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    Authorised Dealer Category-II licensing expands permissible FEMA current account and foreign trade transaction services for cross-border payment customers.
    An Authorised Dealer Category-II approval under the Foreign Exchange Management (Authorised Persons) Regulations, 2026 enables Paul Merchants to undertake additional permissible non-trade current account transactions under FEMA, excluding gifts and donations, and foreign trade transactions within the applicable per-transaction limit. The approval supports foreign exchange and cross-border payment services, including overseas remittances for education, medical treatment, travel, and conference or event participation.
    August 8, 2026
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    Integrated investor claim portal modernisation advances digital KYC, streamlined verification, stakeholder-informed safeguards, and efficient investor claim settlement services.
    Integrated IEPFA Portal 2.0 is proposed to modernise investor claim processing through digital KYC, pre-filled Form IEPF-5, entitlement search, and a simplified e-Verification Report filing workflow. Stakeholder feedback included Aadhaar eKYC address validation, KYC for authorised representatives, entitlement-letter validation checks, bulk DSC and eSign functionality, integration of approved IEPF Form-4 data, lower-value share valuation using NSE and BSE data, and alerts for frequent address changes to prevent fraud.
    August 7, 2026
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    Foreign capital inflows supported the rupee despite geopolitical uncertainty, oil-price pressures, and volatile global market sentiment.
    Foreign capital inflows supported a marginal strengthening of the rupee against the US dollar despite global risk aversion arising from uncertainty surrounding negotiations affecting the Strait of Hormuz. Higher crude oil prices and weak domestic equity sentiment remained relevant pressures. Near-term currency movement was expected to depend on developments in the negotiations, weekend decisions, US employment data, the dollar index, crude oil prices, and the reported increase in foreign exchange reserves.

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      TRT Cost Overview for Men Seeking Effective Testosterone Replacement Therapy

      November 20, 2025

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      Testosterone Replacement Therapy, or TRT, is a medical treatment designed to restore testosterone levels in men with low hormone production, also called hypogonadism. Testosterone is a vital hormone responsible for muscle mass, energy, libido, mood regulation, and overall vitality. trt cost involves medically supervised administration of testosterone to achieve balanced hormone levels, improve well-being, and address symptoms like fatigue, decreased libido, mood swings, and loss of muscle mass. Who Needs TRT? Men who experience symptoms of low testosterone may benefit from TRT. Common symptoms include fatigue, reduced sexual desire, difficulty concentrating, depression, irritability, decreased muscle strength, increased body fat, and low bone density. TRT is recommended only after proper medical evaluation and laboratory testing confirm testosterone deficiency. Self-diagnosis and unsupervised use are not safe or effective. A licensed healthcare provider can determine whether therapy is necessary and safe for each individual.

      What Factors Affect TRT Costs? The cost of TRT varies depending on multiple factors: • Type of testosterone: Injections, gels, patches, and pellets differ in price. Injections are often less expensive, while pellets may have higher upfront costs.

      • Dosage and frequency: Higher doses or more frequent administration increase costs.

      • Laboratory tests: Blood tests to monitor hormone levels, liver function, cholesterol, and other markers add to the overall expense.

      • Doctor consultations: Initial evaluations and ongoing follow-ups may be charged per visit or included in treatment packages.

      • Location and provider: Costs vary based on geography, clinic type, and whether the service is provided through traditional clinics or online platforms.

      Understanding these factors helps men plan financially and select the best option for their needs.

      How Much Does TRT Typically Cost? TRT costs vary widely depending on the delivery method and frequency of treatment. On average, monthly costs range from $100 to $400 for injections, $150 to $500 for gels, and $250 to $800 for patches. Pellets may cost $500 to $1,000 every three to six months, including insertion procedures. Additional expenses for laboratory tests and follow-up appointments should be considered. While TRT can be a significant financial commitment, understanding the breakdown of costs helps patients make informed decisions.

      Are Laboratory Tests Included in TRT Costs? Some clinics or online providers include lab testing in treatment packages, while others charge separately. Lab tests are essential for diagnosing low testosterone and monitoring therapy to ensure safety and effectiveness. These tests typically include total and free testosterone, estradiol, hematocrit, liver function, cholesterol levels, and sometimes PSA (prostate-specific antigen) testing. Costs for lab work can range from $50 to $200 per test, depending on location and provider.

      Does Insurance Cover TRT? Insurance coverage for TRT depends on the policy and whether the therapy is deemed medically necessary. Some plans cover TRT when low testosterone is confirmed through lab testing and symptoms are documented, while others classify it as elective or cosmetic, limiting coverage. Patients should verify coverage, check for prior authorization requirements, and understand co-pays or deductibles. Even when insurance partially covers treatment, out-of-pocket expenses for medication, lab tests, and follow-ups may still apply.

      How Does the Type of Testosterone Affect Cost? Different forms of testosterone have varying costs and benefits: • Injections: Typically the most affordable option, with costs ranging from $100 to $400 per month.

      • Gels: Convenient for daily application, with prices around $150 to $500 monthly.

      • Patches: Continuous delivery through skin application, often $250 to $800 monthly.

      • Pellets: Implanted under the skin for slow release over months, usually $500 to $1,000 per procedure.

      Choosing the appropriate form depends on lifestyle, medical guidance, and budget considerations.

      Can TRT Be Administered at Home? Yes, many men can administer certain forms of TRT at home. Injectable testosterone can be self-administered after proper instruction from a healthcare provider. Gels and patches are applied directly to the skin. Pellets require a medical procedure for insertion and must be performed in a clinic. Home administration can reduce travel costs and offer convenience, but it is essential to follow professional guidance for safe and effective dosing.

      How Do Follow-Up Visits Affect Overall Costs? Follow-up appointments are essential for monitoring testosterone levels, evaluating symptoms, and adjusting dosages. Some providers include follow-ups in monthly treatment packages, while others charge per visit, typically $50 to $150. Regular monitoring prevents side effects and ensures therapy effectiveness, making these costs an important part of overall financial planning for TRT.

      What Are the Hidden Costs of TRT? Beyond medication and consultations, several hidden costs may arise: • Lab testing: Ongoing blood work to track hormone levels and safety markers.

      • Travel expenses: Visits to clinics for injections, pellet insertion, or lab testing.

      • Medical equipment: Needles, syringes, alcohol swabs, and storage containers for at-home injections.

      • Side effect management: Treatment for acne, elevated hematocrit, or other complications may add to costs.

      Considering these factors helps men plan for the total financial commitment of TRT.

      Are Online TRT Options More Cost-Effective? Online TRT providers can offer convenience and competitive pricing. Virtual consultations reduce travel costs and allow flexible scheduling. Prescription delivery saves time and ensures privacy. Many online platforms include lab testing packages and follow-up plans, simplifying overall management. While costs are comparable to in-person clinics, online therapy often provides better accessibility and streamlined care for those with busy schedules.

      Does TRT Require Long-Term Investment? TRT is often a long-term therapy, especially for men with age-related testosterone decline or permanent medical conditions. Monthly costs accumulate over time, and ongoing lab monitoring and follow-ups are necessary to maintain safety and effectiveness. Some men may require therapy indefinitely, while others with reversible causes of low testosterone may discontinue after lifestyle improvements or temporary treatments. Understanding the long-term financial commitment is essential for sustainable therapy.

      How Can Men Minimize TRT Costs? Several strategies can help reduce costs without compromising safety: • Comparing providers: Review pricing for medication, labs, and follow-ups across clinics and online platforms.

      • Bulk purchasing: Some providers offer cost savings for longer prescription supplies.

      • Insurance verification: Understanding coverage, co-pays, and prior authorization can lower out-of-pocket expenses.

      • Choosing the right form: Selecting an appropriate testosterone delivery method for lifestyle and budget.

      • Maintaining healthy lifestyle habits: Diet, exercise, and stress management may reduce required dosage over time.

      Are There Financial Assistance Programs for TRT? Some manufacturers, clinics, and online platforms offer financial assistance programs or discounts for eligible patients. These programs may reduce medication costs, cover lab tests, or offer payment plans for long-term therapy. Patients should inquire about available programs and explore options that make therapy more affordable while ensuring safe and medically supervised care.

      How Often Should Costs Be Reviewed During TRT? Patients should periodically review TRT-related expenses to manage their budget effectively. Costs may change due to dosage adjustments, lab frequency, or therapy duration. Reviewing expenses every few months helps identify opportunities for savings, ensures adherence to therapy, and avoids unexpected financial burdens. Open communication with providers about cost concerns is important for sustainable treatment.

      What Are the Benefits of Investing in TRT? While TRT can be a significant financial commitment, the benefits often outweigh costs when therapy is properly managed. Patients typically experience increased energy, improved mood, enhanced sexual function, better muscle mass and strength, and overall quality of life improvements. Investing in professional care ensures safety, minimizes side effects, and maximizes the effectiveness of therapy.

      Can Costs Vary by Geographic Location? Yes, TRT costs differ depending on where care is provided. Urban centers or specialized clinics may have higher fees for consultations, lab work, and procedures, while rural areas may have lower charges. Online platforms can help standardize costs by offering virtual care and prescription delivery regardless of location. Comparing local and online options helps patients select cost-effective solutions.

      What Are the Typical Steps Included in TRT Costs? TRT expenses generally cover several key components: 1. Initial consultation with a licensed provider.

      2. Laboratory testing to confirm low testosterone and monitor therapy.

      3. Prescription testosterone in the chosen form (injection, gel, patch, or pellet).

      4. Ongoing follow-ups to adjust dosage and assess health markers.

      5. Equipment or supplies for home administration if applicable.

      6. Management of side effects or complications if they arise.

      Understanding each step helps patients budget effectively and anticipate total costs.

      Is it Worth Paying for Professional TRT? Yes, paying for professionally supervised TRT ensures safety, accuracy, and effectiveness. Self-administering testosterone or purchasing unregulated products can lead to serious health risks, including hormonal imbalance, cardiovascular complications, liver issues, and fertility problems. Professional care includes lab monitoring, dosage adjustments, and personalized guidance, making it a worthwhile investment for long-term health and well-being.

      Conclusion TRT is a valuable treatment for men with low testosterone, offering significant benefits for energy, mood, sexual health, and overall vitality. Understanding the costs associated with therapy—including medication, lab tests, consultations, and follow-ups—is essential for planning and budgeting. By considering factors such as delivery method, duration, insurance coverage, and lifestyle, men can access effective TRT safely and affordably. Investing in professional, medically supervised care ensures optimal results, long-term safety, and improved quality of life while providing clarity on the financial commitment required for this transformative therapy.

      (Disclaimer: The above press release comes to you under an arrangement with NRDPL and PTI takes no editorial responsibility for the same.). PTI PWR

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