MATURITY
Modified & Macaulay duration in bonds: Know how they differ and their use in debt mutual funds
If you are confused by personal finance terms, jargon and calculations, here’s a series to simplify and deconstruct these for you. In the 115th part of this series, Riju Mehta explains the difference between these bond durations.
India may see major growth in sodium-ion batteries as technology reaches TRL-7: Renewable Energy Secretary
Technology Readiness Level (TRL) is a scale used to assess the maturity of a technology, with TRL 7 indicating that a system prototype has been demonstrated in an operational environment.
US Treasury Secretary may have a tough time dealing with yields
Treasury Secretary Scott Bessent initiated a "Treasury twist" to influence bond yields. This move aimed to lower long-term borrowing costs for the administration. However, yields quickly rebounded, indicating forces beyond his control. Record debt levels and increased corporate borrowing are pushing rates higher. Investors are reportedly acting on misinformation regarding the deficit situation.
Sebi proposes tighter curbs on promotional claims by online bond platforms
Sebi is tightening the reins on advertising practices for online bond platforms, aiming to protect investors from hasty decisions. New rules mandate that promotional content provides standardized information about specific securities. Terms such as 'fixed returns' must be accompanied by explicit risk disclaimers, while ambiguous claims like 'high yield' will also be subject to regulatory restrictions.
JioBlackRock Mutual Fund announces feature changes across 6 funds, including flexi cap, large cap
JioBlackRock Mutual Fund will revise six schemes from August 26 to align with SEBI norms. Changes include broader gold and silver ETF exposure, revised asset allocations, updated maturity definitions, and renaming of two debt funds to reflect their duration strategies.
Rs 5 lakh investment in post office TD: 1, 2, 3 and 5-year interest rates, maturity amounts compared
Post office time deposits provide a reliable income source, supported by government assurance for investors. When you invest Rs 5 lakh, the maturity amounts vary significantly depending on your chosen tenure. The government updates interest rates quarterly, resulting in maturity values ranging from Rs 5.35 lakh to Rs 7.24 lakh. It's important to note that only the 5-year time deposit qualifies for tax benefits.
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Samsung to reclaim top position in smartphone market this year: Counterpoint Research
Samsung is expected to reclaim the top spot in the global smartphone market in 2026, even as a worsening memory-chip shortage drives up component costs and hits overall phone shipments, according to Counterpoint Research.
Up to 8.50% interest rate on senior citizen FD: This bank revises rates on fixed deposit; check new rates and returns on Rs 1 lakh investment
Suryoday Small Finance Bank has made changes to its fixed deposit interest rates Senior citizens can benefit from an attractive rate of 8.50% for a 5-year fixed deposit, while general customers can enjoy a rate of 8.25%. Additionally, for those opting for a 30-month fixed deposit, general customers will earn 8.10% interest.
444-day FD with highest interest rates: Which PSU bank provides highest maturity on Rs 5 lakh investment? Check here
Public sector banks are currently offering enticing interest rates on fixed deposits with special tenures. The standout option is the 444-day scheme provided by the Central Bank of India, boasting an impressive interest rate of 6.75%.
Home sales cool, prices climb: Is India's housing market getting too expensive?
India's residential housing market saw sales decline by 6.1% YoY in Q2 2026, while average prices rose 1% QoQ to Rs 10,153 per sq ft. Led by a 26% price surge in Bengaluru, widening cost-sales gaps indicate maturing market dynamics and growing affordability pressures for mid-income buyers.
India's crypto market has a Futures problem: Why volume is not the same as maturity
Rising crypto Futures trading volumes in India do not signal market maturity, writes Vikram Subburaj, CEO of Giottus.com. High leverage inflates turnover without building spot market depth. True maturity requires transparent disclosures, robust spot liquidity, strict asset segregation, verifiable custody, and stronger investor protection safeguards on compliant onshore platforms.
India bond yield curve flattens on central bank unpredictability, demand for long-term debt
Indian bond yields are experiencing a flattening trend as the central bank's policy adjustments begin to influence borrowing costs. The Reserve Bank of India has hinted at possible interest rate increases, prompting a rise in shorter-term yields. Meanwhile, robust demand from institutional investors is driving interest in longer-term government securities, aided by decreased state debt issuance, which influences the government's overall borrowing strategy and market expectations.
Latin proverb of the day: ‘You can cover the sun with your hand, but that does not mean the sun has ceased to exist’ - A timeless lesson on why ignoring reality never changes the truth
Latin proverb of the day: Turning a blind eye to harsh realities might provide a fleeting sense of comfort, but ultimately it only postpones the fallout, suggests today's Latin proverb. Ignoring crucial truths does not erase their impact. In today's world, many retreat into the ease of denial, stifling real personal development. Embracing the daunting aspects of life fosters true strength and constructive change, while confronting difficulties directly ensures lasting serenity and averts potential troubles.
Nebius upsizes debt sale to $5 billion to fund data centres, AI platform
The Amsterdam-headquartered company plans to issue private convertible notes worth $3 billion maturing in 2030, and notes worth $2 billion maturing in 2034. It may also sell an additional $450 million of the 2030 notes and $300 million of the 2034 notes if purchasers exercise their options, it said.
Retail inflation may cross 6 per cent in Oct-Nov before easing in Q4 FY27: Report
Retail inflation in India may briefly surpass 6 percent in late 2024. This rise is expected before easing to approximately 5 percent by early 2026. Improving food supply conditions and monsoon recovery will help contain inflation. The Reserve Bank of India awaits more inflation data before adjusting policy rates. Global market implications arise from US Federal Reserve actions on treasury yields.
ETMarkets Smart Talk | How to invest ₹1 crore in bonds for 3 years: Vineet Agarwal’s playbook
For investors with a three-year horizon, the focus now shifts from chasing capital gains to earning steady carry while managing credit, liquidity and reinvestment risks.
US Treasury to double long-dated debt buybacks to battle surging yields
The US Treasury will double its buyback operations for long-dated government debt. This move aims to provide liquidity and ease rising bond yields for investors. The increased buybacks will apply to securities maturing between ten and thirty years. This action follows a sharp bond selloff which pushed yields higher. The Treasury seeks to manage market pressures and borrowing costs effectively.
FSSAI revokes order against USL's flavoured spirit produced at Baramati plant
Food regulator FSSAI has revoked its order concerning United Spirits' Baramati unit product. This revocation follows discussions and engagement between the company and the food authority. United Spirits had challenged the initial order before the Bombay High Court earlier. The company maintained its product labels were compliant with Indian regulatory frameworks. The FSSAI had initially issued notices over alleged unauthorized flavor use.
Why rising Treasury yields are becoming a growing risk for the US economy
A sell-off in U.S. Treasuries has pushed yields higher, raising borrowing costs for households, companies and the federal government. Higher yields could pressure mortgages, corporate investment, asset valuations and government debt servicing. Investors are watching inflation, energy risks, Federal Reserve policy, Treasury supply and foreign demand for signs of prolonged market pressure.
IDFC First Bank raises $500 million through maiden overseas bond issue
IDFC First Bank raised $500 million through its first international bond issuance, marking its entry into global debt markets. The three-year bonds carry a 5.625% coupon and mature in 2029. Backed by an investment-grade S&P rating, the issue attracted major global investors, diversifying the bank’s funding sources and supporting long-term expansion.
Over 2 years, across Miami-Dade, more than 9,000 trees reveal a hidden journey of heat: Mature canopies can pull temperatures down by 10°F, turning scorching streets into cooler urban spaces for residents
Trees offer significant cooling benefits to urban areas. FIU researchers found that tree canopy coverage can reduce temperatures by ten degrees. The effectiveness of trees depends on species, size, and location. Protecting mature trees is as important as planting new ones. Miami aims to increase its tree canopy to combat extreme heat.
Quote of the Day by Brad Pitt: “Once you hit 40, you start reexamining the… – Inspiring lessons on aging, growing older, experience, youth and why age is just a number by the American actor known for his powerful performances and deep insights on human nature and life’s challenges
Quote of the Day by Brad Pitt: Brad Pitt’s quote, “Once you hit 40, you start reexamining the math of it all. I’ll trade wisdom for youth any day,” explores the changing perspective that comes with age, experience, and maturity. The quote suggests that growing older can encourage people to reflect on their lives, reconsider their priorities, and recognize the value of wisdom gained through experience.
Quote of the day by Haruki Murakami: ‘What lasts, lasts; what doesn't, doesn't. Time solves most things. And what time can't solve…’ - A timeless life lesson on letting go of what you can’t control by the award-winning Japanese writer
Haruki Murakami quote of the day: Haruki Murakami’s quote underscores the importance of yielding to life’s natural rhythm and letting go of what no longer serves us. He suggests that true peace develops when we cease resisting change and embrace life’s temporary nature, helping us nurture inner harmony. While time can heal or resolve many struggles, taking personal action remains crucial when dealing with more complicated challenges. In today’s fast-moving world, the persistent need to stay in control can frequently intensify anxiety.
NRI bought life insurance policy in Dubai from a foreign insurer, got maturity proceeds after returning to India, his claim for tax exemption was denied; he won the case in ITAT for this reason
An Indian resident successfully challenged the tax department's claim of undisclosed foreign income on maturity proceeds from a Dubai life insurance policy. The ITAT ruled that foreign insurer policies are not automatically subject to the Black Money Act, especially when premiums originate from non-taxable foreign earnings. This landmark decision offers clarity for NRIs and returning NRIs.
Best Quote by Hayden Panettiere: ‘I hate how people say I'm growing…’ - How the late star’s iconic words on growing up fast highlight the hidden pressures of early fame
Hayden Panettiere, the beloved actress from 'Nashville' and 'Heroes,' has tragically passed away at 36, as confirmed by her family. Her untimely death is currently under investigation. Panettiere’s reflection on the rapid pace of growing up resonates profoundly amidst today’s scrutiny of public figures. It serves as a reminder of the pressures they face and the importance of honoring their personal growth journeys without judgment.
Quote of the Day by Tom Cruise: “I feel lonely at times, but I don’t want to… – Inspiring lessons on loneliness, solitude, compatibility, maturity and why it is better to wait for the right person by the American actor known for his powerful performances and deep insights on personal space and boundaries
Quote of the Day by Tom Cruise: Tom Cruise’s quote, “I feel lonely at times, but I don’t want to get into a relationship with someone if it is not right,” explores the importance of emotional honesty, patience, and self-respect in relationships. The quote suggests that loneliness should not lead a person into an unsuitable relationship, and that genuine companionship should be based on trust, compatibility, and meaningful emotional connection rather than simply avoiding being alone.
Can NRIs invest in National Savings Certificate (NSC) and avail tax benefits?
The National Saving Certificate (NSC) is one of the popular small savings schemes among Indians investors with a low-risk appetite as the scheme is backed by the government and offers an attractive interest rate of 7.7%. The NSC scheme is available only to resident citizens of India.
Up to 7.25% senior citizen FD interest rate: What is the maturity amount on Rs 5 lakh in 5-year SBI, PNB, HDFC Bank & other FDs?
For senior citizens seeking consistent returns, fixed deposits present an appealing option. Notably, Axis Bank currently leads the market with a striking interest rate of 7.25% for a five-year term. A Rs 5 lakh investment could mature to around Rs 7.16 lakh after five years. Other prominent banks such as SBI and ICICI Bank also offer competitive rates, while HDFC Bank comes in with the lowest among these institutions.
Quote of the day by Hilary Duff, 'People are going to say what they want to say and think what they want to think, and I can't change their minds' offers timeless powerful wisdom on opinions, judgment, staying true to yourself, reveals psychology about confidence, identity, self-worth, maturity, personal growth
Quote of the day by Hilary Duff offers a simple but powerful reminder about personal freedom. Other people will form opinions, make assumptions and interpret our choices through their own experiences. We cannot control all of that, and trying to do so can distract us from the life directly in front of us. What we can control is how thoughtfully we respond, whose advice we value, which criticism we learn from and which judgments we leave behind.
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