..... . VALI disclosures . .....: 01/01/2026, Gold rates in India have continued to crash for three consecutive days on December 31. 100 grams and 10 grams gold prices have plunged by Rs 72,000 and Rs 7,200 in 24 carats from December 29th to December 31st, just as the new year cheer for 2026 begins.

Thursday, January 1, 2026

01/01/2026, Gold rates in India have continued to crash for three consecutive days on December 31. 100 grams and 10 grams gold prices have plunged by Rs 72,000 and Rs 7,200 in 24 carats from December 29th to December 31st, just as the new year cheer for 2026 begins.

On the other hand, silver rates in India finally took a breather from their selling pressure on Wednesday, with 1Kg price being unchanged. Overall, precious metals face a softer last week of 2025, but still managed to give double-digit returns in the year. The outlook for 2026 is steady!

Gold Rates In India:

24 carat gold rates in India dropped by a huge Rs 9,800 to Rs 13,52,200 per 100 grams, and was down by Rs 980 to Rs 1,35,220 per 10 grams. Meanwhile, 8 grams gold price plunged by Rs 784 to Rs 1,08,176 and 1 gram gold is lower by Rs 98 to Rs 13,522.

Furthermore, 22 carat gold prices fell by Rs 9,000 to Rs 12,39,500 per 100 grams, and tumbled by Rs 900 to Rs 1,23,950. Also, 8 grams and 1 gram gold prices slipped by Rs 720 and Rs 90 to Rs 99,160 and Rs 12,395 respectively.

Additionally, under 18 carat, gold rates plummeted by Rs 7,300 to Rs 10,14,200 per 100 grams, while it dipped by Rs 730 to Rs 1,01,420 on New Year's eve. Moreover, 8 grams gold price dipped by Rs 584 to Rs 81,136 and 1 gram is down by Rs 73 to Rs 10,142.

It needs to be noted that gold prices have been falling for three consecutive day now. For instance, apart from dropping by Rs 9,800 on December 31st, 100 grams gold of 24 carat nosedived by Rs 30,500 and Rs 31,700 on December 30th and December 29th. Cumulative, 100 grams and 10 grams gold are down by Rs 72,000 and Rs 7,200 in 24 carat.

This is a significant decline from record high levels of Rs 13,52,200 per 100 grams and Rs 1,35,220 per 10 grams which was recorded on December 27. Gold rates were unchanged on December 28th.

Due to the sharp selloffs in this safe haven assets, gold's rally in December 2025 squeezed to nearly 4%. Nonetheless, gold still gives double-digit returns of 67.3% overall in 2025. 24 carat gold price stood at Rs 78,000 in 10 grams on January 1, 2025.

Why Are Gold Prices Falling?

According to Ponmudi R, CEO of Enrich Money, precious metals are closing out 2025 on a softer note amid ultra-thin year-end liquidity, extending the corrective phase triggered by profit-taking, position squaring, and regulatory margin adjustments earlier this week. Gold and silver have given up part of their record-high gains as holiday-thinned volumes and reduced speculative activity weigh on prices.

Gold Prices Outlook Ahead:

Importantly, Ponmudi said, the broader bull-market narrative remains unchanged. Structural supply constraints, strong industrial demand, record central-bank accumulation, and expectations of continued global monetary easing continue to provide a solid long-term foundation. The ongoing pullback is best viewed as a healthy reset within a multi-year uptrend, offering selective accumulation opportunities ahead of renewed institutional participation in 2026.

Gold Prices Prediction For New Year:

Here are the predictions by Ponmudi for COMEX gold and MCX gold which will eventually drive sentiments in gold rates in India:

COMEX Gold Prediction:

Prices are holding near the rising long-term trendline and the 20-day EMA around $4,351, which is acting as immediate support. Momentum indicators have cooled from overbought levels, creating room for the next leg higher. A sustained recovery above $4,400 could quickly open the door toward $4,500, while strong downside support is placed at $4,300-$4,250. The broader trend remains decisively bullish.

MCX Gold Outlook:

The powerful sequence of higher highs and higher lows is under short-term pressure, but prices continue to respect the rising channel and the 20-day EMA near Rs1,33,833. Domestic prices are finding support from relatively stable rupee dynamics despite global weakness. A sustained move back above Rs1,36,500 could revive upside momentum toward Rs1,38,000-Rs1,40,000, while firm support is seen in the Rs1,34,000-Rs1,33,000 zone. The overall structure continues to favour buy-on-decline strategies.

Gold Rates In India:

This is a significant decline from record high levels of Rs 13,52,200 per 100 grams and Rs 1,35,220 per 10 grams which was recorded on December 27. Gold rates were unchanged on December 28th.

Why Are Gold Prices Falling?

Gold Prices Outlook Ahead:

Gold Prices Prediction For New Year:

Here are the predictions by Ponmudi for COMEX gold and MCX gold which will eventually drive sentiments in gold rates in India:

COMEX Gold Prediction:

MCX Gold Outlook:

Disclaimer: The views and recommendations expressed are solely those of the individual analysts or entities and do not reflect the views of Goodreturns.in or Greynium Information Technologies Private Limited (together referred as "we"). We do not guarantee, endorse or take responsibility for the accuracy, completeness or reliability of any content, nor do we provide any investment advice or solicit the purchase or sale of securities. All information is provided for informational and educational purposes only and should be independently verified from licensed financial advisors before making any investment decisions.

Report by Pooja Jaiswar of goodreturns.in

Disclaimer: The views and recommendations expressed are solely those of the individual analysts or entities. All information is provided for informational and educational purposes only and should be independently verified from licensed financial advisors before making any investment decisions.

source: Dailyhunt

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Trade Cycles

The four important features of Trade Cycle are (i) Recovery, (ii) Boom, (iii) Recession, and (iv) Depression!

The trades cycle or business cycle are cyclical fluctuations of an economy. A full trade cycle has got four phases: (i) Recovery, (ii) Boom, (iii) Recession, and (iv) depression. The upward phase of a trade cycle or prosperity is divided into two stages—recovery and boom, and the downward phase of a trade cycle is also divided into two stages—recession and depression.

Phases of Trade Cycle:

The phases of trade cycle are explained with a diagram:

(1) Recovery:

In the early period of recovery, entrepreneurs increase the level of investment which in turn increases employment and income. Employment increases purchasing power and this leads to an increase in demand for consumer goods.

As a result, demand for goods will press upon their supply and it shall, thereby, lead to a rise in prices. The demand for consumer’s goods shall encourage the demand for producer’s goods.

The rise in prices shall depend upon the gestation period of investment. The longer the period of investment, the higher shall be the price rise. The rise of prices shall bring about a change in the distribution of income. Rent, wages, interest do not rise in the same proportion as prices.

Consequently, the margin of profit improves. The wholesale prices rise more than retail prices. The prices of raw materials rise more than the prices of semi-finished goods and the prices of semi-finished goods use more than the prices of finished goods.

(2) Boom:

The rate of investment increases still further. Owing to the spread of a wave of optimism in business, the level of production increases and the boom gathers momentum. More investment is possible only through credit creation. During a period of boom, the economy surpasses the level of full employment and enters a stage of over full employment.

(3) Recession:

The orders for raw materials are reduced on the onset of a recession. The rate of investment in producers’ goods industries and housing construction declines. Liquidity preference rises in society and owing to a contraction of money supply, the prices falls. A wave of pessimism spreads in business and those markets which were sometime before sellers markets become buyer’s markets now.

(4) Depression:

The main feature of a depression is a general fall in economic activity. Production, employment and income decline. The prices fall and the main factor responsible for it is, a fall in the purchasing power.

The distribution of national income changes. As the costs are rigid in nature, the margin of profit declines. Machines are not used to their full capacity in factories, because effective demand is much less. The prices of finished goods fall less than the prices of raw materials.

✳Reality Tips to Traders

1)Trading in the stock market is a marathon. 2)Protecting your capital is key. (Learn to protect first) 3)Making 0 on the day is better than losing 50k 4)Losses happen; they are part of this business. 5)It’s not you vs. the market. It’s you VS you. 6)You are your biggest enemy; learn to be mentally disciplined. 7)Don’t follow the majority; follow the correct path. 8)Traders without a stop loss end up not being traders for long. 9)There is always another trade. 10)The big money is made waiting for the right set-ups. 11)Waiting for the right trade is the most powerful strategy. 12)It is better to cut a loss than to wait to be proven right. 13)Position sizing can make or break you. 14)Worry about the downside before you even think about the upside. 15)Don’t listen to headlines

..BANKING TERMINOLOGY

There are various types of Banks: PSU Banks, Private Banks, Co-operative/Regional Banks, Small Finance Banks and Foreign Banks. When you deposit money in a bank, let's say the bank gives you an interest rate of 4%. But when the bank lends out this money, they lend it out at say, 12%. The difference of 8% in the above scenario is effectively the profit of the bank! The loans that do not pay interest for 90 days are known as Non-performing Assets. Banks have to provide for such bad loans. Structure of a Bank Asset for a Bank: The asset portion of a bank's capital includes cash, government securities, and interest-earning loans (e.g., mortgages, letters of credit, and inter-bank loans). Liabilities for a Bank: The bank's main liabilities are its capital (including cash reserves and, often, subordinated debt) and deposits. The latter may be from domestic or foreign sources (corporations and firms, private individuals, other banks, and even governments). Banks are required to maintain Liquidity with the Reserve Bank of India: SLR (Statutory Liquidity Ratio): It is the money a bank needs to preserve in the form of cash, gold or government Bonds before providing credit customers. This limitation is added by RBI on banks to make funds available to customers on-demand at your earliest convenience. Banks are required to maintain SLR at 18%. CRR (Cash Reserve Ratio): Banks are required to hold a certain proportion of their deposits in the form of cash. Banks don’t hold these as cash with themselves, but deposit such amounts with RBI / currency chests. CRR rate is at 4.5% currently. Repo Rate: The rate at which the RBI lends short-term money to the banks. The RBI through its Monetary Policy committee changes the repo rate to balance growth and Inflation. Reverse Repo rate: The rate at which banks park their short-term excess liquidity with the RBI. Now let us understand various terminologies for Banks Net Interest Income (NII): This is the spread the bank makes on its lending. It is calculated as Interest Income – Interest Expended Net Interest Margin (NIM): This is the spread the bank makes on its lending. It is the earning which is left after deducting the cost paid to depositors from its yields on Loans. This is denoted in % terms. The formula is Yield on Loans – Cost of funds Capital Adequacy Ratio (CAR): The capital adequacy ratio (CAR) is a measure of a bank's available capital expressed as a percentage of a bank's risk-weighted credit exposures. Essentially, it is the Capital that is available to lend. Tier I Capital – In simple words this capital is freely available with the bank to lend out. Tier II Capital- This is the capital tied up somewhere and is less freely available to lend. In case of an adverse event, the bank can use this capital to lend. Under Basel III norms, a bank’s tier 1+tier 2 capital must be a minimum of 8% of its risk-weighted holdings. The minimum capital adequacy ratio, also including the capital conservation buffer, is 10.5%. Current Account Saving Account (CASA)- There is no interest paid on the Current Account and a small interest rate is paid on a savings account. The combination of both is called CASA which shows the liabilities of the bank on which it pays relatively less interest. Deposits: Bank deposits are a savings product that customers can use to hold an amount of money at a bank for a specified length of time. In return, the financial institution will pay the customer the relevant amount of interest, based on how much they choose to deposit and for how long. Now let us come to NPA. Gross NPA (GNPA): It is the total loans on which no payment has been paid for 90 days or more. GNPA % is usually shown in each Bank’s quarterly results. The percentage is basically the GNPA amount as a % of the total advances. Slippages: Slippages denote the fresh amount of loans that have turned bad in a year. The slippage ratio of a bank is calculated as Fresh accretion of NPAs during the year /Total standard assets at the beginning of the year multiplied by 100. Provisioning Coverage Ratio (PCR): This is the ratio of provisioning to GNPA and indicates the extent of funds a bank has kept aside to cover loan losses. For Instance, a company has GNPAs of Rs 100 and they have set aside 50 Rs, then the PCR is 50%. Net NPA (NNPA): The total figure left after deducting provisions made for bad loans from GNPA. (GNPA – Provisions+upgrades/writeoffs = NNPA) Special Mention Account (SMA) SMA-0 is a category in which stress with respect to the principal and interest has remained overdue for a period of 0 to 30 days. SMA-1 is a category in which stress with respect to the principal and interest has remained overdue for a period of 30-60 days. SMA-2 is a category in which stress with respect to the principal and interest has remained overdue for a period of 60-90 days

..... . VALI disclosures . .....

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Thursday, January 1, 2026

01/01/2026, Gold rates in India have continued to crash for three consecutive days on December 31. 100 grams and 10 grams gold prices have plunged by Rs 72,000 and Rs 7,200 in 24 carats from December 29th to December 31st, just as the new year cheer for 2026 begins.

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01/01/2026, FinancialMarket REPORT

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