FINANCE

🔔 What Has Changed? From April 1, 2026, Securities and Exchange Board of India (SEBI) has directed mutual funds to value: Gold ETFs Silver ETFs using domestic spot prices from Indian exchanges instead of international London benchmark prices. 📊 Earlier System Previously, ETFs were valued based on: London Bullion Market prices (international benchmark) Converted into INR So ETF pricing depended on: Global gold/silver rates 🌍 USD-INR exchange rate 💱 🇮🇳 New System (From April 1, 2026) Now ETFs will be valued based on: Indian exchange spot prices Actual local demand & supply Domestic market conditions 🔎 Why SEBI Made This Change Better Transparency Prices reflect actual Indian trading conditions. More Accuracy Reduces mismatch between ETF price and Indian physical gold price. Less Currency Distortion Less dependency on USD fluctuations. ⚠️ Important Note International price movements will still indirectly affect Indian prices — but valuation will now be locally anchored. Impact ...

1. Home Loan – 8–10% 2. LAP – 9–12% 3. Gold Loan – 9–10% 4. Vehicle Loan – 9–12% 5. LAS – 8–11% 6. Education Loan – 8–12% 7. Agriculture Loan – 7–10% 8. Personal Loan – 10–18% 9. Business Term Loan – 12–18% 10. Working Capital Loan – 12–16% 11. MSME Loan – 8–16% 12. Cash Credit – 9–16% 13. Startup Loan – 12–18% 14. Trade Loan – 9–19% 15. Mudra Loan – 8–12% 16. Kisan Credit Card – 6–8% 17. PMAY Subsidy Loan – 6–7% 18. Education Subsidy – 6–9%

MCA has introduced the Companies Compliance Facilitation Scheme, 2026 (CCFS-2026) vide General Circular No. 01/2026.  This scheme offers a one-time opportunity for defaulting companies to regularize their pending compliances, apply for dormant status, or exit the registry with significantly reduced financial penalties. 1. Scheme Validity The scheme will be effective from 15th April 2026 and will remain in force until 15th July 2026. 2. Key Relief Measures and Fee Structure The CCFS-2026 provides three primary avenues for relief, depending on the status and intent of the company: • Regularization of Annual Filings: Companies can file pending Annual Returns and Financial Statements (e.g., MGT-7, AOC-4) by paying the normal filing fee plus only 10% of the actual additional fee payable. • Application for Dormant Status: Inactive companies wishing to retain their legal status with minimal compliance may apply for "Dormant Status" (Form MSC-1). Under the scheme, the filing fee for ...