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IIT-Bombay report recommends cutting UPI MDR from 0.4% to 0.08%; says banks should give up their share as they earned Rs 4.85 lakh crore from CASA deposits in FY26

The report further suggested that banks could set aside around 3% of the funds that CASA depositors forgo through lower interest earnings. With a Merchant Discount Rate (MDR) on merchant UPI transactions being announced above Rs 2,000, professors at IIT-Bombay have come out with a report proposing reducing the MDR to 0.08% from 0.40%.The report’s...

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Daily Nadi Horoscope for Libra (4th August, 2026): Saturn’s Aspect Tests Communication and Responsibility

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Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been standard dummy text ever since the 1500s,

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.


Daily Nadi Horoscope for Libra (4th August, 2026): Saturn’s Aspect Tests Communication and Responsibility

Moon in Aries can make other people impatient or stubborn. Saturn’s third aspect examines communication and commitment. Amrit Siddhi Yoga supports that agreements should be based on truth, a sense of structure and shared responsibility.

What to Do Today

Set up a meeting with a spouse, coworker, customer, or business associate. State the problem clearly and ask what outcome they want. Confine the discussion to the present facts, not to the disappointments of the past.Any proposal involving payment, deadlines, delivery or shared duties should be scrutinised. One condition may prove to be too much responsibility for one person in Libra. “Correct the imbalance before final approval.”Amrit Siddhi Yoga can help in the beginning of a partnership, formal agreement, counselling process or joint professional task. Put each role in writing. A good structure will guard the connection if pressure increases later.

What to Avoid

Do not settle for unfavourable terms just to avoid conflict. Temporary peace may beget lasting obligation.Do not react to an impatient person with the same impatience. A measured response will keep your position safe and not dilute your message.Don’t let attraction, praise or social standing substitute for practical judgement. Reliable behaviour is needed for a promising connection.

How to Navigate Today’s Energy

Aries Moon brings activity to partnerships; Saturn calls for mature communication. Libra may be in a hurry to do something before all the questions have been answered.Build something worthy and lasting with Amrit Siddhi Yoga. Listen carefully, set boundaries, and measure commitment by what is done, not what is promised. Co-operation will be better when each side knows exactly what it is expected to contribute.

Lucky Advice

Ask one direct question before accepting Shared Responsibility. Don’t rush to agree. Be fair.



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