..... . VALI disclosures . .....: 01/05/26, Post Bullion Market

Friday, May 1, 2026

01/05/26, Post Bullion Market

Gold rate today shows a small dip across key cities in the Karnataka state, giving buyers some relief during the busy wedding season. On 30 April 2026, retail prices for standard gold varieties ease by Rs.10 per 10 grams in both Bengaluru an Mangalore, compared with levels seen on 29 April 2026.

The modest correction comes after weeks of high prices that worried many families planning weddings and festivals. For several households, gold is not just jewellery but a safety net during financial stress. Even a tiny fall in rates today brings comfort, especially for middle-class buyers and many women planning fresh purchases.

Gold Rate Today and City-Wise Price Trends

In Bengaluru, 24-carat gold is now priced at Rs.1,50,430 per 10 grams, down from Rs.1,50,440 a day earlier. The trend is mirrored across other categories as well. The widely preferred 22-carat gold now stands at Rs.1,37,890 per 10 grams, while 18-carat gold has slipped slightly to Rs.1,12,820. Each category reflects a uniform Rs.10 decline.

Gold Rate Today, Silver Price and Key Market Data

The latest gold rate today sits alongside steady silver prices in local bullion markets. Silver is currently quoted at Rs.2,65,000 per kilogram. Small intraday movements are considered normal for silver as well as gold. Traders note that, despite these minor shifts, the broader range for both metals now remains largely stable.

Here is a quick view of the gold rate today and silver price in tabular form for reference.

Metal / Purity	Quantity	Price on 29 April 2026	Price on 30 April 2026	Change
Gold 24 carat	10 grams	Rs.1,50,440	Rs.1,50,430	- Rs.10
Gold 22 carat	10 grams	Rs.1,37,900	Rs.1,37,890	- Rs.10
Gold 18 carat	10 grams	Rs.1,12,830	Rs.1,12,820	- Rs.10
Silver	1 kilogram	Rs.2,65,000	Rs.2,65,000	No change

IBJA Gold Rates Today

The 999 purity gold stood at Rs 14,797 per 1 gram, while the 995 purity gold price is at Rs 14,738 per 1 gram. Also, the 916 purity gold price stood at Rs 13,554 per 1 gram. Additionally, the 750 purity and 585 purity gold prices are at Rs 11,098 and Rs 8,656 in 1 gram respectively.

Gold Rate Today, Global cues and Wedding demand

Analysts link the gold rate today to overseas cues, including changes in the dollar value and shifting investor interest. When global funds move from bullion to other asset classes, local markets feel the impact. Such factors, along with currency movements, lead to frequent but limited swings in Indian retail prices.

At the same time, domestic demand stays strong because the wedding season is underway across India. Demand from these cultural occasions supports sales, even when prices are high, and makes any small dip very welcome for households.

Gold RateToday, Shopping Patterns and Local markets

In Karnataka, gold buying is closely tied to every major family function, from engagements to housewarmings. The gold rate today may be down by only Rs.10, yet the absence of a fresh rise itself is viewed as positive. Stable prices tempt many buyers who had delayed purchases over the past few weeks.

Jewellery stores in areas such as Chickpet, Dickenson Road, and Jayanagar in Bengaluru are expected to see heavier footfall. Market watchers say buyers might crowd showrooms through the day, checking the gold rate today, comparing designs and bargaining on making charges before finalising any large transaction.

Gold Rate Today, Buying Advice and Cost factors

Experts suggest that buyers who are already planning purchases can consider locking in the gold rate today, either through direct buying or advance booking. Many advise shoppers to pay close attention to making charges, since these can vary from shop to shop. Selecting a trusted jeweller and negotiating overall costs can help manage final outgo.

For Indian families that treat gold as emotional security and financial backup, the slight fall in the gold rate today offers some breathing space. With wedding events and Akshaya Tritiya driving demand, markets in Bangalore and Mangaluru are likely to stay busy, while buyers balance cultural needs with careful attention to price and charges.

Report by Madhuri Adnal of Oneindia

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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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Friday, May 1, 2026

01/05/26, Post Bullion Market

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Today's

01/05/26, The Indian rupee breached 95 again on Thursday, hitting a record intraday low of 95.33 amid a sharp surge in crude oil prices. However, it recovered due to the intervention from the Reserve Bank of India (RBI) through its dollar sales.

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