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Karnataka Here is the Karnataka government Institutional quarantine Karnataka re-imposed institutional quarantine for those arriving from Kerala following recommendations by the Covid-19 Technical Advisory Committee. According to the order, the state has observed employees and students from Kerala are repeatedly testing positive for Covid-19 despite carrying negative RT-PCR reports. Such cases are considerably high in Udupi and Dakshina Kannada. The decision was taken to keep in check the spread of Covid-19, especially following the surge in Kerala after Onam. Quarantine rules The quarantine guidelines, issued by Jawaid Akhtar, Additional Chief Secretary of the Health and Family Welfare Department, apply to all travellers from Kerala. However, only employees and students need to quarantine at institutional facilities for a week, while others are allowed to quarantine at home for the same period. RT-PCR reports The order issued on September 1 says that all employees and students from Kerala will need to furnish a negative RT-PCR report no older than 72 hours. The report is mandatory regardless of their vaccination status. The certificates will be valid for a week, which they will spend in institutional quarantine. The government has asked principals and administrators of educational institutions to make arrangements to quarantine students. Offices and companies have been directed to the same. The order said such persons should not be permitted to remain in home quarantine under no circumstance. The employees and employees will remain under strict supervision for a week, and their swabs sent for RT-PCR tests. Those spending quarantine at institutional facilities will be allowed to leave only after they return a negative RT-PCR report. Protocol for symptoms while in quarantine The government has asked employees and students in quarantine to self-assess and get an RT-PCR test done. They have also been directed to seek medical advice in case they experience symptoms. If a person in institutional quarantine tests positive, they would be shifted to a Covid Care Centre on a compulsory basis. People who had been in contact with the infected person undergo RT-PCR tests. Exemptions All those who are neither employees nor students working or studying in the state will be allowed to quarantine at home for a week after they arrive from Kerala. However, a negative RT-PCR test report is mandatory for everyone. Other exemptions – Short-term travellers leaving within a maximum three days – Students arriving for examinations with a parent each (returning within three days) – Transit passengers to and from Kerala – Healthcare professionals, constitutional functionaries, and their spouses – Emergency situations (death in family, treatment) – Children below 2 years
Hiring activity maintained its growth momentum in July led by the IT-hardware and software industry. The sector registered a 39% year-on-year increase in hiring of professionals last month (July 2021 vs July 2020), according to the Monster Employment Index (MEI) released on Thursday. Banking, financial services insurance (BFSI) and shipping are the other industries that posted a decent growth in hiring with e-recruitment activity showing a 32% y-o-y and 31% y-o-y growth in July, respectively. In terms of locations, Bengaluru, Pune and Chennai indicated a strong demand for talent. Bengaluru recorded a significant 57% y-o-y increase in job postings in July followed by Pune with a 35% y-o-y growth in postings last month. Chennai showed a 29% y-o-y rise in postings during the period. Kolkata, Jaipur and Baroda, however, continued to face challenges in hiring activity. Data from the index indicates that compared to June 2021, July 2021 witnessed a notable overall monthly growth of 4% in hiring. Overall job postings have also improved by 8% year-on-year (July 2021 v\/s July 2020), indicating a continued optimistic outlook for the coming months,com said in a statement. Job postings in the Covid-battered travel and tourism sector have seen a steep uptick month-on-month in July at 16% as tourist locations reopened and pick up in vaccinations encouraged people to travel. Industries such as government\/PSU\/defence and media entertainment have seen a decline in hiring activity month-on-month, the index showed. Healthcare functions surprisingly have seen a 21% decline in job postings year on year in July. While there was a surge in the requirement for healthcare workers during the peak of Covid-19 (June-July 2020), along with increased demand from pharma research companies while the vaccine was being developed, this demand subsequently slipped, and a fluctuating trend has been witnessed in line with the development of the Covid-19 situation, On an overall monthly basis, location wise data indicated that there has been no decline in job postings across cities monitored by the index. Sekhar Garisa, CEO at Monster.com, said that jobs in sectors such as tech and IT are booming as companies are coming forward to boost their tech enablement and improve workforce efficiency. Hiring activity, along with the economy in India, is on the mend as sectoral revival is in progress consistently over the past couple of months,
Even as the vaccination drive in the country has picked up a steady pace in the past few months, there is a small section of vulnerable population for whom vaccination is a big challenge. In a unique initiative a few organisations in Pune have come forward to vaccinate the poorest and most vulnerable lot in the city against Coronavirus. Helmed by the Balasaheb Deora Polyclinic, Pune Platform for Covid-19 response and vaccine maker Serum Institute of India, the initiative is making vaccines available to auto-rickshaw drivers, domestic workers, drivers, labourers and daily wage workers in the city, the Indian Express reported. In total the initiative is aiming at vaccinating 5 lakh people from the economically depressed sections in the city. Manoj Pochat who is the coordinator of the drive and the sampark pramukh of Rashtriya Swayamsevak Sangh (RSS) told the Indian Express that the drive was launched on August 15 and will be expanded to the residential slums, EWS colonies and other areas of the city. Pochat also said that help from community-based organisations along with NGOs will also be taken in identifying the beneficiaries and vaccinating them against Coronavirus. Pochat described the motto of the initiative to reach people of the downtrodden sections who find it difficult to reach the vaccination centres for a variety of reasons. He also said that a total of 15 NGOs and local organisations have been roped in under the initiative who will join forces with the initiative to maximise the reach of vaccines. While the government has aimed at making the vaccination process most accessible and easily available in all parts of the country, there is a large number of people who are unaware about the vaccination procedure and hesitate to reach out to the vaccination centres.
India and South American country Colombia, later this week are likely to ink a Memorandum of Understanding (MoU) on Cooperation in the exploration and use of Outer Space for Peaceful Purposes later this week. Top diplomatic sources told Financial Express Online, The MoU is likely to include: Remote sensing of the earth; Satellite communication and satellite based navigation; Space science and planetary exploration; Monitoring, prevention and reduction of space debris; Development, testing and operation of spacecraft and ground systems; Use of launch vehicles, space systems and ground systems; Practical applications of space technology including geospatial tools and techniques; and any other areas of cooperation to be mutually agreed upon by the Participants in accordance with the objective of the MoU, and that are within the framework of their competences, purpose, and mission. Vice President and Minister of Foreign Affairs of Colombia, Marta Lucia Ramirez de Rincon, heads the Colombian Space Commission (CCE), and as such, promoted Law 2107 of 2020 under which Colombia ratified its participation on the International Treaty for Exploration of Outer Space of 1967. Adding, Besides India, Colombia is also negotiating a MoU with Brazil for cooperation in outer space. India Colombia Space Cooperation On November 28, 2018, Colombia The nano-satellite owned by the Colombian Air Force, FACSAT 1, has been travelling for the last three years and will last until 2022 in outer space. This satellite takes pictures of Colombian territory and sends that information to Colombia The main purpose is to take real time images of different areas, and especially those in remote zones for the control of illegal crops, disaster risk management, accountability of National Parks, growth of urban centers, among other peaceful purposes. Background on Colombia In 1976, 8 countries claimed sovereignty or exclusive rights over portions of the Geostationary Orbit (GEO) located directly above their territory, and questioned the applicability of the 1967 Outer Space Treaty to this area. On the contrary, most states believe that the 1967 Outer Space Treaty applies to the Geostationary Orbit (GEO). Nowadays, Colombia has even accepted this position and signed -and recently approved the Law to enter-the 1967 Outer Space Treaty. The First Meeting of Equatorial Countries resulted in the To get around the Outer Space Treaty
IIBs FY21 annual report underlines progress on improving funding-mix Premium of rates to large-banks is falling there is scope for more that can help derisk loans. Asset growth slowed RWA\/asset fell back to 75%. Our recent conversation with mgmt indicates plan to build provs. for exposure to Vodafone-Idea (VIL) in FY22 that drives 20%+ cut to EPS est. Still FY23-24 estimates hold up as credit costs normalise towards 1.8%. Buy stays. Deposit book building up well; some distance yet to be covered: Annual report shows that IIB has done well in scaling up its deposit franchise with (i) 40% y-o-y growth in retail deposits to 34% of total (partly low base); (ii) balancing of ALM profile versus a wide gap until FY19; (iii) fall in share of Top-20 clients in deposits to 22%. Bank is targeting levels like 50%, but we also note that IIB has access to funding from NABARD\/SIDBI at cheaper rates that form 11% of total funding. IIB continues to offer higher rates on deposits, but has lowered the premium vs. large banks in past few months by around 50bps, reflecting the traction on their deposit franchise. Asset growth lower, RWA\/asset normalises: During FY21, asset growth lowered due to weaker demand for retail loans and loss of some share in the corporate credit. Unlike larger private banks, IIB had relatively modest growth in loans to PSUs (16% y-o-y), due to higher funding cost and sell-downs. RWA\/asset has normalised back to 75% in FY21 vs. 84% in FY20 and aging based split of NPLs shows that bank has raised buffer provisions on NPLs. Our recent conversations with mgmt. indicate business has improved further in August in vehicle sub-segments like LCV, cars, tractors CE. MFI collections in most states have improved except West Bengal and Kerala. Building provisions towards exposure to Vodafone-Idea: Management clarified that on their Rs 33-bn exposure to Vodafone-Idea (of which one-third funded) they plan to build 50-70% provision buffer towards potential haircuts. We understand the bank may use part of contingent provisions here and adjusted for that we build 65% coverage on this exposure in FY22 which drives a steeper cut Maintain Buy: We cut FY22 earnings estimates by 26% to factor in potential provisioning. We trim our FY23-24 EPS by 3%. Also impact on TP is lower as we were already factoring in some haircut on this exposure. We maintain Buy with revised TP of Rs 1,270 (from Rs 1,300) based on 1.9x Jun-23 adjusted PB.
With the emergence of new-age fintech platforms offering instant and easy loan disbursal, securing a loan has never been easier. From offering e-KYC at the customer Typically, the same process would require the borrower to visit moneylenders, while carrying the collateral to be submitted with them. However, not anymore. In the past year, lenders have witnessed a significant surge in the demand for loans against gold as borrowers faced an immediate and temporary cash crunch. In most scenarios of an immediate financial crunch, the foremost step one takes is either liquidating or taking a loan against their valuable assets to keep the cash flow in motion. In the wake of the global pandemic, not only individuals but several businesses have also been impacted. With social distancing and safety protocols in place, securing gold could have been challenging if gold-tech startups did not step up. Let People who earlier had to commute to jewellers or bank branches while carrying their valuable ornaments with them can now use their smartphones and request for a customer relationship executive to visit their premises and explain the various gold loan schemes. With the branchless digital models of new-age fintech players, customers can apply for loans online or through apps. A loan manager visits the homes of borrowers, conducts due diligence on the borrower and their ornaments, and transfers the loan amount to the borrower Security checks The relationship manager visiting the borrower needs to ensure that the entire transaction is completed via digitally secured and reliable means. The identity verification of the manager, E-KYC, E-signing of the loan agreement and the digital disbursement of loan takes place through the means of a verified and secured network. Customer Additionally, the most critical part of the transaction is ensuring the safety of the customer Gold ornaments are packed in sealed packets that cannot be tampered with by the loan manager. The packets are also serial numbered and recorded in the transaction. They can only be opened by the banking partners for second audits and when customers release the gold. Therefore, gold-tech players ensure that these assets are securely managed through technologically driven checks and assessments to safeguard customers Easy Payments and Top Ups Further to the loan disbursement process, customers also have the option of making online transactions while re-paying the loan or while paying interest rates. Reliable, digitally-enabled processes are driving the popularity of these tech-enabled gold loan service providers. Additionally, taking a top-up on any loan usually requires a couple of documentation processes where borrowers need to visit the bank to close the deal. Gold-tech startups simplify the process through technologically driven means, where the borrower does not have to go anywhere, and the entire process can be completed from home. Low-Interest Rates and a Customer-First Approach Most fintech players in the gold loan industry offer low-interest rates owing to the less operational costs involved in managing branchless digital models. Additionally, gold-tech lenders in the industry offer flexible, customizable pre-payment and repayment schemes. This enables the borrower to be at an advantage with new-age fintech players and NBFCs in comparison to traditional lenders. More importantly, these lenders enable financial inclusion for small ticket borrowers who are often made to stand in long queues and go from desk to desk by making loans accessible and hassle-free. The process to avail of the loan digitally is fast, easy and convenient for the customer. Driving the way forward The use of technology has led to faster loan processing, accurate gold valuation, safekeeping, and cost-cutting. A robust customer service support is also a way in which these businesses ensure smooth gold loan delivery. Customers who face any issues can contact the customer care department who will resolve their issue within the stipulated time. Fintech startups are, therefore, playing a pivotal role in paving the way forward to make the industry more inclusive and convenient for the customer. by, Ankur Gupta, Founder and CEO, Ruptok Fintech
Apple Watch Series 7: Time is near for Apple to announce its new lineup of Apple Watch – dubbed the Apple Watch Series 7. Now, as per Bloombergs Mark Gurman, the new watch would have a new hardware design, first in years. The watch will reportedly have a flatter display as well as edges. This seems to be in line with Cupertinos move to flatten the sides of all the products in its lineup. Also read | Market research shows this is the most popular smartwatch in the world It is also expected to have a slightly larger display than the current panels that Series 6 sports. The sizes of the cases would also be bigger – each model would be bigger by 1mm, taking the sizes of the new models to 41mm and 45mm. Last week, unverified leaked images also suggested the same sizings of the models. As per Gurman, multiple new watch faces would also be included. Apart from the physical aspects, the series is also being reported to have a faster processor, but there are no expected major health related updates this time. Next year, however, body temperature sensors would likely be added. If the design of the Apple Watch is indeed updated this year, it would continue Cupertinos trend of major hardware refresh for the watch every three years. Series 4 was the last time Cupertino changed the design of the Apple Watch, and since then, up till Series 6, the basic appearance remained the same. New watches are usually announced by the tech giant in September and therefore, this reveal might not be way off.
Tamil Nadu: The popular Arignar Anna Zoological Park in Tamil Nadu, also known as Vandalur zoo, finally opened for the public on Wednesday after remaining closed for a good 127 days. The relaxation , that has come by the Tamil Nadu government, has also mentioned that apart from parks, wildlife sanctuaries will also be reopened in the state under strict guidelines. According to the Indian Express, the country It was shut on April 20, 2021 following COVID second wave. The zoo authorities are still waiting for the official order despite permission granted by the government to reopen the park on Monday. On Wednesday, around 9am, Vandalur zoo followed by other wildlife sanctuaries such as Guindy National Park, Kurumbatti Zoological Park and Amirthi zoo among others were reopened for the public. Surpriya Sahu, Principal Secretary, Environmental Change and Forest Department along with other senior officials reviewed the Standard Operating Procedures (SOPs) and framed guidelines that need to be followed strictly in order to ensure safety of visitors, animals. Zoo director V Karunapriya has been asked to ensure the safety guidelines are followed in the zoo. The zoo saw a footfall of 1,233 on the day one of reopening, reported the Indian Express. Speaking exclusively to the IE, Dr R Kanchana, Deputy Director of Vandalur zoo, said that initial days will see a thinner crowd as the zoo has remained closed for a very long time. Visitors are expected to grow eventually in the coming days, she added. Keep in mind these guidelines before\/ after entering the zoo Every visitor will have to get their temperature checked before buying a ticket to the zoo. If anyone is found to have symptoms for covid-like cough, colf, fever, they will not be allowed to enter the place. People entering into the premises will have to cover their faces with masks followed by frequent use of sanitizers which have been kept near the ticket counters. It is also said that not more than 7,000 people will be allowed inside the premises each day. The authorities have also been informing the visitors about the dos\/donts inside the park. Visitors are told not to spit on the ground or near garbage areas. They have also been asked not to touch the gates. A Rs 1000 penalty would be imposed on those found violating the norms. The authorities have sanitised all the battery operated vehicles inside the park and have also been instructed to cover their faces and wear face shields. Ticket counters, washrooms and other general places will be sanitised in the mornings and evenings. They have also arranged soaps and sanitizers at different places for public use. Closed enclosures like the aviary, nocturnal animal house, aquarium and the serpentarium are yet not open for the public as a part of precautionary measure. Lion and deer safaris will also remain discontinued for now. As reported in Indian Express, the Vandalur zoo had some 53 big cats. Two out of the 15 Asiatic lions succumbed to the infection as a pandemic hit the park. The authorities could control the spread among the other big cats with the help of stringent measures in place. The authorities have also vaccinated all the 352 staff members to ensure better safety.
Reserve Bank on Thursday extended the scheme for encouraging deployment of Point of Sale (PoS) infrastructure to street vendors covered under the PM SVANidhi programme in tier 1 and 2 centres. The Payments Infrastructure Development Fund (PIDF) scheme, with a corpus of Rs 345 crore, envisages creating 30 lakh new touch points every year for digital payments in tier-3 to tier-6 centres. The scheme, operationalised in January this year, has now been extended to select street vendors in tier 1 and 2 centres. Launched in June 2020, the PM Street Vendor It facilitates collateral-free working capital loans of up to Rs 10,000 of one-year tenure to approximately 50 lakh street vendors. In a statement on Thursday, Reserve Bank of India (RBI) said it has now decided to include street vendors identified as part of the PM SVANidhi scheme in tier-1 and tier-2 centres as beneficiaries under the PIDF scheme. As hitherto, the street vendors in tier-3 to tier-6 centres will continue to be covered under the scheme, it added. Out of PIDF PIDF seeks to increase payments acceptance infrastructure by adding 30 lakh touch points – 10 lakh physical and 20 lakh digital payment acceptance devices every year.
Bank credit grew at a slower pace of 6 per cent in June compared to 6.4 per cent in the year-ago period mainly due poor offtake in metros, RBI data showed on Tuesday. Year-on-year growth in credit by private sector banks at 10.1 per cent was much higher than that for public sector lenders at 3.1 per cent, as per the data. Bank credit recorded 6.0 per cent growth (y-o-y) in June 2021 (6.4 per cent growth a year ago): bank branches in urban, semi-urban and rural centres recorded double-digit credit growth but it moderated for metropolitan branches to 2.7 per cent (5.1 per cent a year ago), according to the RBIs Quarterly statistics on deposits and credit of SCBs: June 2021. The aggregate deposits growth (y-o-y) stood at 10 per cent in June 2021 compared to 11.5 per cent a year ago. In this case too, deposit accretion in private sector banks grew at a faster pace vis-a-vis their public sector counterparts. RBI also said the share of current account and savings account (CASA) deposits in total deposits increased further to 43.8 per cent in June 2021 as against 42 per cent in the year-ago period. Also, as deposit growth outpaced credit growth, the all-India credit-deposit (C-D) ratio moderated to 70.5 per cent in June 2021. The C-D ratio declined for all bank groups, except for regional rural banks.