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    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
    India weathered Hormuz disruption without fuel shortages: Puri
    RBI invites public comments on the draft Directions on ‘Credit Valuation Adjustment (CVA) Framework’
    RBI invites comments on the draft “Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Eleventh Amendment Directions, ...
    87 Proposals Received under BHAVYA Scheme during First Round of Phase-I
    India successfully concludes the 16th BRICS Trade Ministers' Meeting in Jaipur under its BRICS Chairship 2026
    GeM Completes a Decade of Transforming Public Procurement with Cumulative GMV Exceeding ₹20 Lakh Crore
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    Rs 5,000 cr credited to 6.22 lakh Maharashtra farmers so far under loan waiver scheme: Fadnavis
    SBI Life and J&K Bank partner to bring comprehensive life insurance solutions closer to families across India
    DRI intensifies vigil along India's North-Eastern Frontier
    Vijayan slams Kerala govt's move to end doorstep pension delivery through cooperative banks
    Kerala to stop welfare pension delivery through cooperative banks, shifts to DBT
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    August 8, 2026
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    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
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    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
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    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.
    August 7, 2026
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    Energy security through diversified sourcing protected fuel supplies during Hormuz disruption and supports domestic exploration and alternative fuels.
    Energy security measures based on diversified crude oil and LPG sourcing, expanded infrastructure, increased domestic LPG production and alternative fuels were presented as maintaining fuel availability during disruption of shipping through the Strait of Hormuz. Domestic resilience is also linked to support for private deep-water oil and gas exploration, opening offshore acreage, and expansion of compressed biogas and ethanol blending. Ethanol-blended petrol testing identified limited contamination instances rather than a systemic issue, while excise duty reductions were described as cushioning consumers against global fuel-price volatility.
    August 7, 2026
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    Credit valuation adjustment framework revises derivative capital requirements through flexible basic approaches, hedge recognition, and risk-sensitive counterparty treatment.
    Credit Valuation Adjustment framework revisions align CVA capital treatment with final Basel III standards. Eligible banks may use the full or reduced basic approach, while banks with an insignificant volume of non-centrally cleared derivatives may calculate their CVA capital charge at 100 per cent of the counterparty credit risk capital charge. The draft also clarifies CVA hedge recognition, introduces risk weights sensitive to sector and credit quality, and separates systematic and idiosyncratic CVA risk in the full basic approach.
    August 7, 2026
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    Leverage ratio framework amendments propose Basel-aligned capital adequacy standards, with public feedback invited on the draft directions.
    Proposed amendments to the leverage ratio framework would revise Chapter VII of the 2025 Commercial Banks Prudential Norms on Capital Adequacy Directions to implement the Basel Committee's Leverage Ratio 2017 Standard. Public comments and feedback on the draft Eleventh Amendment Directions, 2026, are invited until August 28, 2026, through the designated online platform, postal submission, or email.
    August 7, 2026
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    BHAVYA Scheme project selection uses challenge-based evaluation of infrastructure, industrial ecosystems, and policy enablers under prescribed eligibility criteria.
    BHAVYA Scheme Phase-I proposals submitted by State and Union Territory governments will be evaluated and scored under prescribed eligibility and evaluation criteria. Challenge-based project selection considers connectivity and site suitability, quality of core, value-added and social infrastructure in the detailed project report, and the industrial ecosystem and policy enablers. The Scheme guidelines provide for completion of the first-phase selection process within one year from notification.
    August 7, 2026
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    Multilateral trade cooperation preserves developing economies' policy space while advancing MSME finance, diversified value chains and digital services.
    BRICS ministers adopted measures supporting a development-centred multilateral trading system with the World Trade Organization at its core, preservation of Special and Differential Treatment, binding two-tier dispute settlement, and developing economies' policy space for food security and public stockholding. MSME measures include study of an invoice discounting mechanism and credit-assessment principles focused on cash flow rather than collateral. Value-chain measures provide for a GVC Action Plan, technical cooperation, Special Economic Zone cooperation and digitised trade documents, alongside principles for trusted cross-border digitally delivered services.
    August 7, 2026
    Show AI Summary
    Digital public procurement promotes transparent sourcing, reduced seller charges, competition monitoring and evidence-based spending oversight through an integrated marketplace.
    Government e-Marketplace digitises public procurement through a unified platform promoting transparency, efficiency, good governance and wider supplier participation. Seller-facing measures include reduced transaction charges, exemption of smaller orders, a cap on maximum transaction fees and reduced vendor assessment fees. The platform uses Artificial Intelligence and Machine Learning tools to identify suspected cartelisation, collusion and order splitting, while its digital transactional trail supports expenditure monitoring, identification of inefficiencies and evidence-based policy interventions.
    August 7, 2026
    Show AI Summary
    Criminal justice, extremist-material regulation and administrative schemes feature in reports on prosecutions, demolition practices, loan waivers and fuel policy.
    Criminal justice reports cover bail and an expedited trial in an assault prosecution, arrest for allegedly sheltering an accused, allegations of rape and murder of a minor, and claimed irregularities in a police recruitment examination. Regulatory developments include a ban on extremist literature associated with proscribed organisations and judicial disapproval of coercive demolition. Administrative coverage includes farmer loan-waiver transfers following Aadhaar authentication and debate over the E20 fuel-blending programme.
    August 7, 2026
    Show AI Summary
    Foreign exchange reserves rose as foreign currency assets, gold holdings, Special Drawing Rights and IMF reserve position increased.
    India's foreign exchange reserves increased during the week ended July 31, principally because of higher foreign currency assets and gold reserves. Foreign currency assets include US dollar valuation effects arising from movements in currencies such as the euro, pound and yen. Special Drawing Rights and India's reserve position with the International Monetary Fund also increased. The movement followed measures to attract foreign exchange inflows, including an FCNR(B) measure, after earlier reserve declines associated with rupee pressure and dollar sales for foreign exchange market intervention.
    August 7, 2026
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    Farm loan waiver eligibility depends on verified beneficiary status and Aadhaar authentication for direct credit of eligible crop-loan relief.
    The farm loan waiver scheme covers eligible short-term crop loans within the prescribed ceiling and eligibility period. Waiver amounts are credited to verified bank accounts after field verification and completion of Aadhaar authentication. Aadhaar authentication is the operative condition for automatic processing of benefits, while eligibility rules and technical conditions have raised concerns about exclusion of distressed farmers.
    August 7, 2026
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    Corporate agency distribution expands access to life insurance products, supporting insurance awareness, financial inclusion and long-term household financial protection.
    A corporate agency arrangement enables J&K Bank to distribute SBI Life Insurance protection, savings, retirement and child-oriented life insurance plans through its branch network. The partnership aims to improve insurance access, awareness, financial literacy and long-term financial planning for households, particularly in Jammu & Kashmir and Ladakh. It is intended to expand insurance penetration, strengthen household financial protection and support financial inclusion in line with the IRDAI vision of "Insurance for All by 2047".
    August 7, 2026
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    Cross-border smuggling controls target narcotics, poppy seeds and areca nuts entering through the Indo-Myanmar border region.
    Cross-border smuggling enforcement targeted methamphetamine, foreign-origin poppy seeds and areca nuts allegedly brought from Myanmar. Methamphetamine concealed in an ambulance was seized under the NDPS Act, 1985. Poppy seeds and areca nuts recovered in separate operations were seized under the Customs Act, 1962. Poppy-seed imports are restricted to designated countries and require registration to ensure traceability and prevent illicit produce entering legitimate supply chains. The enforcement action addresses circumvention of customs controls and regulated import requirements.
    August 7, 2026
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    Direct benefit transfer for welfare pensions replaces cooperative-bank doorstep delivery, while retaining limited home service for excluded beneficiaries.
    Direct Benefit Transfer for social security and welfare pensions is to be made through Aadhaar-linked bank accounts, replacing cooperative-bank doorstep delivery. Home delivery remains available for bedridden persons and others who cannot be excluded. The change is associated with delays in remitting undistributed amounts, record-update failures, reconciliation issues, duplicate payments, and incomplete Aadhaar-based payment implementation. Concerns have been raised that mandatory bank-account credit may disadvantage beneficiaries dependent on doorstep delivery.
    August 7, 2026
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    Direct Benefit Transfer for welfare pensions replaces doorstep cooperative-bank delivery, while home delivery remains for bedridden beneficiaries.
    Direct Benefit Transfer of social security and welfare pensions is to be made mandatory through Aadhaar-linked bank accounts, replacing cooperative-bank doorstep distribution. Home delivery continues for completely bedridden beneficiaries and others who cannot be excluded. The change addresses delays in remitting undistributed amounts, record-update and reconciliation deficiencies, duplicate payments linked to incomplete Aadhaar-based payments, delivery incentive costs, and the need to comply with Direct Benefit Transfer norms to avoid loss of central financial assistance.

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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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