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    Rupee weakens 17 paise to settle at 96.42 against US dollar; loses 1.5 pc in four sessions
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    L-G Manoj Sinha reviews donation management systems at J-K's Vaishno Devi shrine
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    ESDS Launches Swaraj Nandi and Swaraj Hansa, Two Sovereign Enterprise Security Platforms Built Entirely in India
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    CCI approves acquisition by Opal Bidco Pte. Ltd. of 100% shareholding in STT GDC Pte. Ltd.
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    July 16, 2026
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    Rupee depreciation pressures intensify as elevated crude prices, foreign capital outflows and geopolitical tensions weigh on exchange markets.
    The rupee weakened for a fourth consecutive session amid elevated crude oil prices, a stronger dollar index and foreign capital outflows, with rising oil import costs adding to balance-of-payments pressures. Reserve Bank of India data showed an overall balance-of-payments deficit during the first two months of the fiscal year, although the current account recorded a surplus for April-May 2026. Geopolitical tensions and Strait of Hormuz risks were cited as supporting high crude prices, while possible Reserve Bank intervention could support the rupee.
    July 16, 2026
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    Zero-duty India-UK trade under CETA begins with jewellery and coffee consignments, supported by exporter compliance guidance.
    India-UK CETA introduced a low- or zero-tariff regime covering about 99 per cent of tariff lines for Indian exports to the United Kingdom. Initial zero-duty jewellery and coffee consignments reached the UK under the agreement. CETA is intended to improve market competitiveness, strengthen supply chains and support businesses, exporters, importers and investors. A dedicated facilitation forum and a guide to UK import standards and regulatory requirements support Indian exporters, particularly small and medium enterprises, in navigating the post-CETA trading regime.
    July 16, 2026
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    Foreign investor tax exemptions on government securities are proposed to continue, supporting sovereign debt market liquidity and capital inflows.
    Income-tax exemption for foreign investors in government securities is proposed to continue through the Income-tax (Amendment) Bill, 2026, replacing the corresponding ordinance. The ordinance exempted interest income and capital gains from the sale, exchange or transfer of government securities by foreign investors, effective from 1 April. The measure seeks to attract foreign capital, deepen the sovereign debt market and improve liquidity amid global economic volatility. The legislative agenda also includes MSME reforms concerning delayed-payment redressal, enforcement of arbitral awards and State flexibility in constituting facilitation councils.
    July 16, 2026
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    Foreign asset reporting requires complete Schedule FA and Schedule FSI disclosures despite limited information displayed in the Annual Information Statement.
    Annual Information Statement records for eligible taxpayers include foreign assets and foreign-source income information received through the Automatic Exchange of Information framework. The information is intended to facilitate accurate tax compliance and is not a scrutiny or investigation mechanism. As the displayed data is limited to information received from partner jurisdictions and is not exhaustive, taxpayers must correctly and completely disclose all foreign assets and foreign-source income in Schedule FA and Schedule FSI, whether or not such information appears in the Annual Information Statement.
    July 16, 2026
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    Donation management safeguards require transparent accounting, secure precious-metal handling, audits and adherence to prescribed banking and statutory norms.
    Donation-management governance at the Vaishno Devi shrine was reviewed with emphasis on transparency, accountability and compliance with standard operating procedures. The review covered collection, counting, accounting, custody and utilisation of offerings, supported by verification procedures, surveillance, banking safeguards and periodic audits. Security protocols also govern the handling, storage, transportation, processing and refining of precious-metal offerings. The review took place amid a pending complaint alleging irregularities in silver offerings, with complete records sought regarding action taken.
    July 16, 2026
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    EPFO-integrated provident fund payments streamline statutory compliance through digital banking, with real-time confirmations and instant challan downloads for businesses.
    EPFO-integrated provident fund payment service enables business customers to initiate statutory PF payments through the EPFO portal and complete transactions using the bank's internet banking platform. Real-time transaction confirmations and instant challan downloads support faster processing, cash-flow management and timely compliance with EPFO payment requirements.
    July 16, 2026
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    Privileged access governance and explainable security monitoring support auditable, sovereign enterprise cybersecurity across private and air-gapped deployments.
    Swaraj Nandi provides privileged-access management through credential vaulting, automated rotation, Zero-Trust approvals, multi-factor authentication, session recording and audit reporting. Swaraj Hansa provides AI-assisted security information and event management by collecting, correlating and triaging security signals with explainable alerts and human-owned decisions. Both platforms support on-premise, private-cloud and relevant air-gapped deployment models, and their compliance architecture is mapped to the RBI IT Framework, SEBI CSCRF, DPDP Act, PCI-DSS, ISO 27001 and NIST CSF.
    July 16, 2026
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    Money-laundering investigation targets alleged foreign-funded network facilitating illegal infiltration, forged identity documents and economic rehabilitation of immigrants.
    A money-laundering investigation examined an alleged syndicate facilitating illegal infiltration, forged Indian identity documents and settlement of Bangladeshi nationals and Rohingyas. Investigators alleged that public charitable trusts receiving foreign contributions channelled funds through multiple bank accounts, mule accounts and layered transactions to support economic rehabilitation through cash assistance, employment and income-generating arrangements. Searches were conducted under the Prevention of Money Laundering Act.
    July 16, 2026
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    Money-laundering investigation examines alleged foreign-funded networks supporting illegal infiltration, forged documents, and economic settlement of migrants.
    A money-laundering investigation concerns an alleged network facilitating illegal entry and settlement of Bangladeshi and Rohingya nationals. The alleged scheme involved forged identity and travel documents, charitable trusts receiving overseas contributions, and diversion of funds through bank accounts, mule accounts and layered transactions. Suspected fund use included settlement support, documentation, employment, cash assistance and income-generating assets. Searches examined the alleged infiltration, documentation and financial-support network.
    July 16, 2026
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    Agentic AI innovation centre enables consumer businesses to co-create, test and scale enterprise AI solutions across operational functions.
    TCS launched a Gemini Experience Centre in Kolkata with Google Cloud to enable consumer businesses to co-create, test and scale AI-led solutions. The centre showcases agentic AI applications for store operations, supply-chain management, omni-channel retail and customer service, serving retail, consumer packaged goods, travel, tourism and hospitality enterprises. The initiative uses Gemini Enterprise-based industry- and context-aware AI agents and seeks to accelerate agentic AI adoption and support movement from AI pilots to enterprise-scale deployment.
    July 16, 2026
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    Cost Inflation Index enables inflation-adjusted long-term capital gains calculations through indexed acquisition cost for eligible capital asset transfers.
    The Cost Inflation Index for financial year 2026-27 is 384 for computing inflation-adjusted long-term capital gains on transfers of capital assets, including immovable property, securities and jewellery. It is used to determine indexed cost of acquisition by adjusting purchase cost for inflation. Long-term classification generally requires holding exceeding 36 months, with stated periods of 24 months for immovable property and unlisted shares and 12 months for listed securities.
    July 16, 2026
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    India-EU industrial and technology cooperation advances through trade facilitation, resilient supply chains, digital innovation and expanded market access.
    India-EU industrial and technology cooperation was advanced through engagements addressing industrial collaboration, technology partnerships, bilateral trade opportunities and business-to-business cooperation. Discussions covered trade facilitation, investment flows, supply-chain resilience, digital innovation, competitiveness and regulatory challenges. The interactions emphasised industry-led growth, greater market access for Indian enterprises and innovation-driven partnerships under the Trade and Technology Council framework.
    July 16, 2026
    Show AI Summary
    Preferential India-UK trade framework introduces broad zero-duty export access, self-certified origin documentation, and social-security contribution relief for temporary professionals.
    India-United Kingdom CETA entered into force with preferential tariff treatment, including zero-duty access in the United Kingdom for nearly 99 per cent of India's exports. The Agreement covers goods, services and cooperation in customs, digital trade, financial services, telecommunications, intellectual property and professional services. The associated Agreement on Social Security exempts Indian professionals on temporary United Kingdom assignments from double social-security contributions for up to five years. Rules of Origin certification was operationalised through self-certified Certificates of Origin issued on the eCoO 2.0 platform.
    July 16, 2026
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    Labour market indicators showed stable overall participation, employment and unemployment, with marginal urban improvement and softer rural unemployment.
    Monthly labour-market estimates for persons aged 15 years and above, compiled under the Current Weekly Status approach, show stable overall labour-force participation, worker population ratio and unemployment rate in June 2026. Urban labour-force participation and worker population ratio improved marginally, while rural participation and employment remained stable. Female labour-force participation was broadly stable month-on-month. Rural unemployment eased slightly, urban unemployment rose marginally from the preceding month, and urban unemployment declined on a year-on-year basis.
    July 16, 2026
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    Competition clearance governs full acquisition of a data-centre provider alongside co-investor economic interests in the transaction.
    Competition approval concerns Opal Bidco Pte. Ltd.'s acquisition of the entire shareholding in STT GDC Pte. Ltd., a data-centre provider. The transaction also provides for specified co-investors to acquire economic interests in STT GDC on a see-through basis. STT GDC operates in India through an indirect subsidiary and is among multiple data-centre participants active in India.
    July 16, 2026
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    Windfall tax on petroleum exports revises diesel and aviation fuel levies while reducing the petrol export levy.
    Special Additional Excise Duty on petroleum-product exports was revised from 16 July 2026, increasing the levy on diesel and aviation turbine fuel exports while reducing it on petrol exports. Duty rates on petrol and diesel cleared for domestic consumption remained unchanged. The windfall tax framework seeks to support domestic fuel availability and discourage exporters from benefiting from differences between domestic and global fuel prices during elevated crude-oil prices.
    July 15, 2026
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    Duty-free market access under the India-UK trade pact expands exports while preserving safeguards for procurement and policy space.
    The India-UK Comprehensive Economic and Trade Agreement provides duty-free access for nearly 99 per cent of Indian exports and includes reciprocal government-procurement access subject to safeguards. India retains MSME preferences, limits covered procurement to selected central entities, excludes strategic sectors, and applies minimum contract thresholds. The agreement preserves compulsory licensing and permits withdrawal of certain concessions if a future UK carbon tax adversely affects Indian exports. Its gender, SME, environment, and labour chapters contain no dispute-settlement provisions.
    July 15, 2026
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    India-UK trade agreement expands duty-free market access and tariff reductions for exports, services, manufacturing and small enterprises.
    India-UK Comprehensive Economic and Trade Agreement (CETA) is stated to provide duty-free access in the UK market for 99 per cent of Indian products and to reduce or eliminate UK import tariffs across key product categories. It is expected to support Karnataka exports in manufacturing, agricultural produce, processed food, electronics, aerospace and medical devices, with certain tariff reductions phased out over time. Mode 1 services provisions are identified as beneficial to Bengaluru's IT industry, while awareness programmes and investment roadshows are proposed to help exporters and attract investment.
    July 15, 2026
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    Foreign investment screening cooperation advances investment flows alongside trade, technology, supply-chain resilience and prospective investment-protection commitments.
    India and the European Union concluded a work programme on foreign direct investment screening, exchanging best practices to facilitate investment flows. Trade and Technology Council cooperation addresses market access, standards harmonisation, supply-chain requirements, deep-tech innovation and critical dependencies. The parties also discussed free trade agreement ratification, World Trade Organization reform, and prospective investment-protection and geographical-indications agreements. The Council provides an institutional mechanism for cooperation on trade, trusted technology and economic security.
    July 15, 2026
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    Balance of payments reporting shows a current account surplus despite a wider trade deficit and portfolio investment outflows.
    Balance of payments data for April-May 2026 records a current account surplus, supported by increased net services receipts, higher inward remittances and a marginal reduction in net income outgo. The merchandise trade deficit widened as imports rose more than exports. The overall balance of payments moved into deficit, while net foreign direct investment increased and net foreign portfolio investment recorded a larger net outflow.

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      Can We Take Creatine Without Workout? The Expert Guide

      November 27, 2025

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      Creatine is one of the most trusted supplements in the fitness world — widely praised for building muscle, improving performance, and boosting strength. But a question many people have (especially beginners) is this: “Can we take creatine without working out?” Maybe you’re taking a break from the gym… recovering from an injury… or simply want the cognitive or energy benefits of creatine. No matter the reason, this question is more common than you think.

      In this detailed expert guide, we’ll break down what really happens when you take creatine without exercising, whether it’s worth it, what benefits and drawbacks to expect, and who should (or shouldn’t) take it.

      Let’s dive in.

      First, What Exactly Does Creatine Do? Creatine is a naturally occurring compound found in your muscles and brain. It helps your body produce ATP, the main source of energy your cells use during high-intensity activities like weightlifting, sprinting, and explosive movements.

      But creatine isn’t just for “gym energy.” It also supports: • Cognitive performance • Muscle recovery • Cellular hydration • Hormonal balance • Strength maintenance • Brain health and memory This is why people often wonder if they can take creatine even on rest days — or during periods when they aren’t working out at all.

      Short Answer: Yes, You Can Take Creatine Without Working Out You absolutely can take creatine without exercising. Creatine functions by saturating your muscles over time, and this saturation process happens whether or not you’re training.

      This means the supplement is still active, still useful, and still beneficial — even when you’re not in the gym.

      However, the type and degree of benefits may vary. Let's explore that in detail.

      What Happens If You Take Creatine Without Working Out? If you take creatine without lifting weights or doing high-intensity training, here’s what happens in your body: 1. Your Muscles Still Store Creatine Creatine works through a “saturation” model. When you take 3–5 grams daily, your muscles store more creatine, regardless of physical activity.

      Even without workouts, your creatine reserves will increase — preparing your body for improved performance once you restart training.

      2. You Gain Cognitive & Brain Benefits Creatine is not only a muscle supplement — it’s a brain booster. Without exercise, you can still enjoy: • Better memory recall • Faster thinking • Reduced mental fatigue • Better focus and alertness • Improved brain energy Studies show creatine increases phosphocreatine stores in the brain, helping support cognitive performance.

      3. You May Notice Slight Weight Gain (Water Retention) Creatine naturally pulls water into muscle cells.

      Even without lifting weights, this may cause: • Mild increase in body weight • Slight muscle fullness • Better hydration inside the cells This is normal and not fat gain — just intracellular water retention.

      4. Muscle Preservation Improves If you're not working out due to injury, travel, or busy schedules, creatine can help prevent muscle loss.

      Creatine has anti-catabolic effects, meaning: • You lose less muscle tissue • Strength declines more slowly • Your body stays primed for training This is extremely helpful if you’re taking a break from the gym.

      5. You Won’t Build New Muscle Without Resistance Training This is important to understand: Creatine cannot build muscle on its own.

      It helps you build muscle faster — but only when you take action (exercise).

      Without training: • You won’t gain new muscle mass • You won’t see a visual transformation • You won’t see major strength gains So while creatine works, its muscle-building benefits stay dormant without stimulus.

      When Does Taking Creatine Without Working Out Actually Make Sense? There are several cases where taking creatine even without exercise is completely justified and beneficial: 1. Recovery From Injury Creatine helps preserve muscle and maintain strength during downtime.

      2. Training Break or Deload Phase Keeps creatine levels saturated so you don’t lose progress.

      3. Mental Performance Boosting Students, professionals, and gamers can benefit from cognitive improvements.

      4. Vegetarians or Vegans Plant-based diets contain almost zero dietary creatine, making supplementation highly beneficial — even without workouts.

      5. Older Adults Creatine supports healthy aging, muscle preservation, and brain health.

      6. Low-Energy or Fatigue Issues Many experience improved energy even without exercising.

      When Taking Creatine Without Exercise Doesn’t Make Sense • If your only goal is muscle building, creatine alone won’t do it.

      • If you want visible fat loss, creatine won’t help unless paired with training.

      • If you don’t drink enough water, creatine may cause digestive discomfort.

      How Much Creatine Should You Take Without Working Out? The recommendation stays the same as when you’re training: 3–5 grams creatine monohydrate daily No need for a loading phase unless you want faster saturation.

      Take it: • With a meal • Or with carbs/protein • Or anytime that’s convenient (timing doesn’t matter much) Consistency is far more important than timing.

      Tips If You’re Taking Creatine Without Exercise 1. Drink plenty of water (2.5–3.5 litres/day): Creatine increases water demand.

      2. Stay consistent: Daily use is key for maintaining saturation.

      3. Pair with protein-rich foods: Supports muscle preservation.

      4. Take creatine even on rest days: Essential for continuous benefits.

      5. Use pure creatine monohydrate: It’s the safest, most researched, and most effective form.

      Final Verdict: Should You Take Creatine Without Working Out? Yes — you can take creatine without working out, and it's still beneficial.

      You will not build muscle or strength without resistance training, but you will enjoy: • Improved cognitive performance • Better energy levels • Enhanced hydration • Reduced muscle loss during breaks • Stronger creatine reserves for when you restart training If you want the best results from creatine, you must combine it with resistance training.

      But if you're in a no-exercise phase, creatine still remains extremely useful.

      Disclaimer: This press release is for general information purposes only and should not be construed as professional medical advice. Always consult a doctor before taking any decisions.

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

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