COOLING OFF —»

Cooling-off period ek aisa fixed time hota hai jismein aap kisi contract, deal ya decision se bina kisi penalty ke peeche hat sakte hain. Yeh impulsive (jaldbaazi) decisions ko sudharne ka mauka deta hai.

Short Definitions

* Consumer Purchases: Door-to-door ya online shopping ke baad mila 14-30 days ka time, jismein aap product return karke full refund le sakte hain.

* Financial Services: Loan, insurance ya pension lene ke baad mila 7-14 days ka window, jismein aap bina nuksan ke policy cancel kar sakte hain.

* Employment & Labor: Strike (hadtal) par jaane se pehle company aur union ko mila compulsory time, taaki dono shanti se baat karke mamla suljha sakein.

* Divorce: Mutual divorce file karne ke baad court ka diya gaya 6 mahine tak ka waiting time, taaki couple agar chahe toh reconciliation (dobara sath aana) par soch sake.

HOW DOES IT WORK??

* No Penalty: Is time ke andar contract todne par koi fine nahi lagta.

* Working Days: Isme shifts ya weekends count nahi hote, sirf business days gine jaate hain.

* Deadline: Ek baar yeh period khatam ho gaya, toh contract legally binding ho jata hai (phir aap peeche nahi hat sakte).

1. Pahle Kya Hota Tha? (Old Rule)
ETF ka price ek din mein 20% tak upar ya neeche ja sakta tha.
Isme beech mein koi rok-tok nahi thi. Agar koi bada operator price manipulate karna chahe, to wo aaram se price ko tezi se gira ya badha sakta tha.

2. Ab Kya Hoga? (New Rule & Cooling-off)
Ab SEBI ne beech mein ek security check (speed breaker) laga diya hai:
—» 10% ki Shuruaati Limit: Maan lijiye subah trading shuru hui. ETF ka price jaise hi 10% badha ya ghata, wahan ek temporary lock lag jayega.
—» Cooling-off Period (Pause): Lock lagte hi trading 15 minutes ke liye ruk jayegi. Iss 15 minute ke break ko hi Cooling-off period kehte hain.
—» Band Ka Khulna (Expansion): Jab ye 15 minute ka break khatam hoga, tab exchange ETF ki limit ko 10% se badhakar 15% kar dega. Agar price aur bhagta hai, to fir break lagega aur limit aakhiri baar 20% tak badhai jayegi.

SEBI ne Gold aur Silver ETF ke liye ek safety wall (price band) banayi hai,

taaki inki keematein achanak bahut zyada upar ya neeche na bhaagein.
jaise ki ye dekho 🌚🌝

Dynamic Price Bands: Ye aisi qeemat ki (limit) hai jo market ke hisaab se badalti rehti hai.

Initial Limit (± 6%): Din ki shuruat me ETF ki qeemat kal ke muqable sirf 6% upar ya 6% neeche tak hi ja sakti hai.

Cooling-off Period: Agar qeemat is 6% ki limit ko chhu leti hai, to trading ko thodi der ke liye rok diya jata hai taaki market shant ho sake.

Expanded in Stages (3%): Is cooling-off period ke baad, agar market me halchal bani rehti hai, to limit ko 3% aur badha diya jata hai (yaani ab limit 9% ho jayegi).

Kis wajah se badla? Kyunki Gold aur Silver international assets hain, isliye inki qeematen raat me bhi badalti hain. Is rule ki vajah se subah market khulte hi achanak hone wale bade utar-chadhav se investors bache rehte hain.

Loans in June Month 2026

World Bank
—» to India = USD 1.5Bn for job creation.
—» Haryana = Rs.4,000Cr = ‘Jal Sanrakshit Haryana’

ADB —» NE Region of India = USD42.2 Mn Small Expenditure Financing Facility (SEFF) to support the bamboo
industry

Engagements 💍🖖🌚🌝🤳🤣- JUNE 2026

Bajaj Finserve + IIT Bombay = ‘Bajaj Finserv Intelligence’.

ADB + Standard Chartered Bank = risk-sharing arrangements covering both (USD) and (INR) transactions.

YES Bank + Northern Arc Capital = to expand formal credit access, digital lending, and investment opportunities.

ADB + Schoolnet India Limited = USD 10 million (Mn) financing package = to scale up digital learning infrastructure in 30,000
government schools.

Axis Bank Ltd. + BITS Pilani = establish the Axis BankBITS Industry Research, Technology and Innovation Park at BITS Pilani’s Hyderabad Campus in Hyderabad, Telangana.

PNB + Zaggle Prepaid Ocean services = ‘PNB-Zaggle Co-branded Twin Credit Cards’ = access to both Visa and RuPay .

NSE + Bharat Metal Exchange = to promote the development and adoption of nonferrous metal derivatives in India.

IFC + Global Investors = USD 105 Million = Hygenco Green Energies Private Limited to accelerate green hydrogen development in India

IFC + Sify Infinit spaces Ltd [SISL] = pledged USD 371 million = to support the development of Artificial Intelligence (AI)-ready, energy-efficient Data Centre (DC) infrastructure in India.
—» Sify will develop two next-generation Data Centres in Navi Mumbai (Maharashtra) and Chennai (Tamil Nadu, TN).

1. Account Aggregator (AA) - data share karne wala

Account Aggregator ek Reserve Bank of India (RBI) se regulated system hai jo aapke alag-alag financial data (jaise bank statements, mutual funds, insurance) ko ek jagah se dusri jagah bina kisi paper ya PDF ke, digital tarike se share karne mein madad karta hai.

Yeh kya kaam karta hai?:
Maan lijiye aapko loan chahiye. Pehle aapko bank ko pichle 6 mahine ka bank statement PDF download karke dena padta tha. Lekin AA ke aane se, aap sirf ek OTP (consent) dekar apne bank se loan dene wale bank tak apna data secure tarike se bhej sakte hain.

Khas baat (Data Blind): Account Aggregator sirf ek postman ki tarah kaam karta hai. Yeh aapka data bhejta zaroor hai, lekin yeh khud aapke data ko na toh dekh sakta hai aur na hi store kar sakta hai (kyunki data fully encrypted hota hai).
Examples: ⁠CAMSfinserv, Anumati (Perfios), OneMoney.

2. Payment Aggregator (PA) - paisa handle karne wala

Payment Aggregator ek aisi service ya platform hai jo online ya offline businesses (merchants) ko unke customers se paisa (digital payments) accept karne mein madad karta hai.

Yeh kya kaam karta hai?:
Agar aap kisi website (jaise Zomato ya Myntra) se shopping karte hain, toh checkout ke waqt aapko UPI, Credit Card, Debit Card, aur Net Banking jaise bohot saare options dikhte hain. Website ke owner ko har ek bank ke paas alag-alag nahi jana padta. Payment Aggregator unhe ek single platform de deta hai jahan se saare banks aur wallets ka paisa collect ho jata hai.

Paisa kaise aata hai?: Customer jo paisa pay karta hai, woh pehle Payment Aggregator ke ek Escrow (Nodal) account mein jata hai. Wahan se aggregator apna commission kaat kar paisa merchant ke bank account mein transfer (settle) kar deta hai.
Examples: Razorpay, Cashfree, Stripe, Paytm Payment Services.

Mujhe english se jyada hindi me smjh ata , mostly logo ko hindi me hi smjh ata, so i made in hinglish format

Revise 🌚🌝

edited and added some more

1. TPAP kya hai? (Third-Party Application Provider)

Full Form: Third-Party Application Provider.

Koshish/Kaam: Yeh woh companies hoti hain jo aam janta (users) ke liye UPI apps banati hain. Inka kaam sirf ek behtareen aur aasan screen (User Interface) dena hai jahan aap QR code scan kar sakein ya paise bhej sakein.

—» Inke paas khud ka banking license nahi hota, isliye yeh seedhe UPI ke main network se nahi jud sakti. Inhein kisi bank (PSP) ke sath dosti (partner) karni padti hai.

Examples: ⁠Google Pay, ⁠PhonePe, Amazon Pay, aur Paytm.

2. PSP kya hai? (Payment Service Provider)

Full Form: Payment Service Provider.

—» Yeh vaise toh banks hote hain jinhein NPCI (National Payments Corporation of India) se seedhe UPI network se judne ki izazat milti hai.

—» Yeh pichhe ka asli engine hain. Jab aap kisi TPAP app par "Pay" dabate hain, toh transaction ko check karna, aapke account se paise katna, aur use aage bhejna isi PSP bank ka kaam hota hai.

Examples: SBI, HDFC Bank, ICICI Bank, Axis Bank.

—vietnam Deal = USD60Mn = BrahMos
—Sangri La dialogue in Singapore.
—ASI + Denmark = Underwater survey in karaikal, puducherry.
— Indonesia = $630Mn — $200 exclusively for BrahMos