Libra Daily Horoscope Today, July 25, 2025: Money matters require careful optimism
Focus on what brings harmony rather than what causes conflict. If a small worry arises, shift your view to what you can do with grace. Your energy can uplift others without trying too hard. You are naturally magnetic today, and this light will bring the right experiences toward you.
Libra
Love
Horoscope Today
Love grows when your inner balance is strong. Today, try not to overanalyse your partner's words or silence. Instead, focus on the love you both share and express it in gentle, simple ways.
If you are single, a sweet opportunity may arise from an unexpected place, perhaps through a kind gesture or shared interest. Stay open to those who bring peace into your space. You do not need to search for love. Let your heart shine and it will quietly draw in what is meant.
Libra Career Horoscope Today
Career decisions today may benefit from a clear and positive attitude. You might feel pulled in different directions, but your calm confidence can bring order.
by Taboola
by Taboola
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A creative idea or solution may come to you when you least expect it. Try not to doubt yourself, even if others seem more vocal. Stay true to your rhythm and let your work speak for itself. Recognition comes from consistency and quiet strength. Today you can make progress through simple, sincere actions that match your true nature.
Libra Money Horoscope Today
Money matters require careful optimism. Avoid making financial decisions based on fear or peer pressure.
Instead, trust your long-term vision. You may receive support from someone older or more experienced, so listen with respect. Try not to buy out of emotion or comparison. Budgeting and spending mindfully will give you more freedom in the days ahead. A small change in your routine could save more than you realise.
Positive thinking does not mean ignoring problems. It means trusting your ability to face them wisely.
Libra Health Horoscope Today
Your health feels better when your mind is peaceful. Today you may notice how quickly your mood affects your body. If you feel low or drained, take a moment to check your thoughts. Focus on soft movements, balanced meals and staying hydrated. Avoid too much sugar or oily food, as your body may react quickly. A gentle walk or some music may lift your energy. Let your body feel supported by positive inner words.
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Time of India
27 minutes ago
- Time of India
Are current market valuations hiding opportunities or risks? Christy Mathai explains
Christy Mathai , Fund Manager - Equity , Quantum AMC , says they like buying underpriced companies, aiming to buy at a 25% discount to their intrinsic value. Currently, IT and banking sectors present opportunities due to earnings not reflecting their normalized potential. Relative valuation within sectors, particularly among second or third-tier players, offers prospects. Insurance and AMCs are also viewed favorably. A lot of factors are impacting the market at present – be it the global or local factors, but a clear trigger to boost the market is still missing. The earnings are also not trying to help the market at present. What is your short, medium, and longer-term view on the market? Christy Mathai: When we look at the markets at the current juncture, we are in an easing cycle monetarily. The central bank is trying to revive the credit growth which is lagging from the past couple of quarters and also to stimulate growth in the economy. Broadly some of those can come through because we are sitting at a lower base versus last year but from a normalised perspective, it is nothing so great. Explore courses from Top Institutes in Please select course: Select a Course Category healthcare Operations Management Cybersecurity MCA Healthcare Finance Product Management Degree Data Analytics Digital Marketing Data Science others Artificial Intelligence Technology PGDM Management Data Science CXO MBA Project Management Public Policy Others Leadership Design Thinking Skills you'll gain: Duration: 11 Months IIM Lucknow CERT-IIML Healthcare Management India Starts on undefined Get Details by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Join new Free to Play WWII MMO War Thunder War Thunder Play Now Undo Coming to the tariff issue , in the last few days, several deals have been done and it looks like the peak uncertainty with respect to tariffs is over even though the India part is not yet solved. So, at the current juncture, given where the valuations are, the market is looking at the earnings trend. If you were to look at some of the numbers that have come out, it seems to be a mixed bag. So, there is no certain acceleration in the company reported numbers. Looking short-term, it is very difficult to say as it is all a function of flows, possibly if the FIIs come back in a big way, we will see some rally, but it is very difficult to call out. But from a medium and long-term perspective, given where valuations are, it will be driven by the earnings trends and in its absence, there is a general expectation of earnings inching up. If that were not to come through, we would be in a state of consolidation for some time. What is your investment philosophy and what are the sectors currently on your radar? Your investment philosophy says that you buy stocks of companies that are at a minimum 25% discount from their intrinsic or fair value. Having said that, these opportunities come when the market, especially in the short term, is fixated and when there are disappointments. Looking at the current trajectory of the market, how are you placed in sectors or the companies that you are looking at, especially the midcaps and smallcaps ? Christy Mathai: Our philosophy is typically trying to buy underpriced companies. If 100 is supposed to be the intrinsic value, we would want to buy it at least 25% cheaper; that is our philosophy. In a way, we run a value style here. From that framework, if you were to look at the current juncture, not a lot of sectors fit into that bucket because many of those sectors are trading at fair or above fair in terms of valuations. Live Events You Might Also Like: Mark Matthews on why FTA with UK, US trade deal shouldn't matter much for India If we were to look at what should be a normalised earnings for a company two to three years out and, some of the sectors like IT, the current two-year, three-year earnings have been somewhere in the vicinity of mid-single digit. Do we think this is where the normalised earnings would be? We think not. We are more exposed to that sector. Same is the case with banking where the recent earnings print is not reflective of what their normalised earnings should be. In this case, there is book value growth. We think those are the opportune sectors to get in. This is a market of relative valuation. In a great sector, the top player would be perfectly priced, but when you move down to the second player or third player, relative to the valuation that the market accords, there could be some opportunities. Hence we are present in some of those names. We think in sectors like insurance, AMCs, etc, those will be some of the great opportunities. Now from a relative market cap segmentation, an investor should have exposure across the breadth. It is how you want and what percentage you want in terms of an exposure. In smallcaps and midcaps, you have to be extremely selective and that is what we are trying to do in some of our funds. We are not exposed much to the euphoric part of the markets –be it capital goods, defence, and so on and so forth, but we are trying to minimise the risk from that perspective. At any point in time, you should have that perfect asset allocation to help you navigate these markets. You Might Also Like: Keep investment goals in mind; focus on a five-year horizon for better results: Shiv Chanani Recently India-UK FTA has been signed. and I want to understand from you, will you be redrawing your strategies in the aftermath of this deal and more importantly you mentioned about the India-US trade deal as well which looks like round the corner, how do you view it? Christy Mathai: We just talked about the India-UK tariff deal, and so we just look from a market perspective. Some of the sectors get impacted, not really much, though it would be great from an economic standpoint that now some of the barriers are out of the way, but not much from a market perspective. If you were to look at the US tariffs now, our exports to the US is minuscule compared to the overall import basket. So, from that perspective, the few sectors which everybody knows and talks about are gems and jewelleries, pharma is a large sector from our vantage point, but we do not think there could be a major impact as there is always room for error because this is all policymaking. But given the generic nature, you are in a way trying to reduce the cost to the end consumer in the US. So, how much punitive action do you want to put in that sector? Some of the middlemen who are profiting quite a bit, would be exposed to some of these tariffs if there is more pricing action on that front. This is one sector that could be on the radar given the deal front and the whole IT services is indirectly impacted by this sector because the Fortune 500 companies of the world would possibly not be spending so much on it when the expectations are not very clear, where to invest, how to invest. Some of the issues with respect to how supply chains would be revamped and how it would impact the Fortune 500 companies and thereby their spending – that uncertainty would decrease. In a way, IT services are currently impacted, but incrementally we expect positivity when this dust settles. You Might Also Like: Nilesh Shah on how to treat smallcaps and midcaps right now
Time of India
29 minutes ago
- Time of India
US-EU trade deal wards off further escalation but will raise costs for companies and consumers
President Donald Trump and European Commission President Ursula von der Leyen have announced a sweeping trade deal that imposes 15% tariffs on most European goods, warding off Trump's threat of a 30% rate if no deal had been reached by Aug. 1. The tariffs, or import taxes, paid when Americans buy European products could raise prices for U.S. consumers and dent profits for European companies and their partners who bring goods into the country. 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The headline figure is a 15% tariff rate on "the vast majority" of European goods brought into the U.S., including cars, computer chips and pharmaceuticals. It's lower than the 20% Trump initially proposed, and lower than his threats of 50% and then 30%. Live Events Von der Leyen said the two sides agreed on zero tariffs on both sides for a range of "strategic" goods: Aircraft and aircraft parts, certain chemicals, semiconductor equipment, certain agricultural products, and some natural resources and critical raw materials. Specifics were lacking. She said the two sides "would keep working" to add more products to the list. Additionally, the EU side would purchase what Trump said was $750 billion (638 billion euros) worth of natural gas, oil and nuclear fuel to replace Russian energy supplies, and Europeans would invest an additional $600 billion (511 billion euros) in the U.S. 50% U.S. tariff on steel stays and others might, too Trump said the 50% U.S. tariff on imported steel would remain; von der Leyen said the two sides agreed to further negotiations to fight a global steel glut, reduce tariffs and establish import quotas - that is, set amounts that can be imported, often at a lower rate. Trump said pharmaceuticals were not included in the deal. Von der Leyen said the pharmaceuticals issue was "on a separate sheet of paper" from Sunday's deal. Where the $600 billion for additional investment would come from was not specified. And von der Leyen said that when it came to farm products, the EU side made clear that "there were tariffs that could not be lowered," without specifying which products. The 15% rate is higher than in the past The 15% rate removes Trump's threat of a 30% tariff. It's still much higher than the average tariff before Trump came into office of around 1%, and higher than Trump's minimum 10% baseline tariff. Higher tariffs, or import taxes, on European goods mean sellers in the U.S. would have to either increase prices for consumers - risking loss of market share - or swallow the added cost in terms of lower profits. The higher tariffs are expected to hurt export earnings for European firms and slow the economy. The 10% baseline applied while the deal was negotiated was already sufficiently high to make the European Union's executive commission cut its growth forecast for this year from 1.3% to 0.9%. Von der Leyen said the 15% rate was "the best we could do" and credited the deal with maintaining access to the U.S. market and providing "stability and predictability for companies on both sides." The reaction is tentative German Chancellor Friedrich Merz welcomed the deal which avoided "an unnecessary escalation in transatlantic trade relations" and said that "we were able to preserve our core interests," while adding that "I would have very much wished for further relief in transatlantic trade." The Federation of German Industries was blunter. "Even a 15% tariff rate will have immense negative effects on export-oriented German industry," said Wolfgang Niedermark, a member of the federation's leadership. While the rate is lower than threatened, "the big caveat to today's deal is that there is nothing on paper, yet," said Carsten Brzeski, global chief of macro at ING bank . "With this disclaimer in mind and at face value, today's agreement would clearly bring an end to the uncertainty of recent months. An escalation of the US-EU trade tensions would have been a severe risk for the global economy," Brzeski said. "This risk seems to have been avoided." Car companies expect higher prices Asked if European carmakers could still sell cars at 15%, von der Leyen said the rate was much lower than the current 27.5%. That has been the rate under Trump's 25% tariff on cars from all countries, plus the preexisting U.S. car tariff of 2.5%. The impact is likely to be substantial on some companies, given that automaker Volkswagen said it suffered a 1.3 billion euro ($1.5 billion) hit to profit in the first half of the year from the higher tariffs. Mercedes-Benz dealers in the U.S. have said they are holding the line on 2025 model year prices "until further notice." The German automaker has a partial tariff shield because it makes 35% of the Mercedes-Benz vehicles sold in the U.S. in Tuscaloosa, Alabama, but the company said it expects prices to undergo "significant increases" in coming years. Trump had cited the trade gap with Europe Before Trump returned to office, the U.S. and the EU maintained generally low tariff levels in what is the largest bilateral trading relationship in the world, with some 1.7 trillion euros ($2 trillion) in annual trade. Together the U.S. and the EU have 44% of the global economy. The U.S. rate averaged 1.47% for European goods, while the EU's averaged 1.35% for American products, according to the Bruegel think tank in Brussels. Trump has complained about the EU's 198 billion-euro trade surplus in goods, which shows Americans buy more from European businesses than the other way around, and has said the European market is not open enough for U.S.-made cars. However, American companies fill some of the trade gap by outselling the EU when it comes to services such as cloud computing, travel bookings, and legal and financial services. And some 30% of European imports are from American-owned companies, according to the European Central Bank .
Time of India
32 minutes ago
- Time of India
Savy Infra IPO set for debut today. GMP hints at healthy listing pop
After drawing remarkable investor interest across categories, Savy Infra and Logistics is set to list on the NSE SME platform on July 28. The company's Rs 69.98 crore IPO closed with an overall subscription of 114.5 times, led by massive bids from HNIs and strong support from retail and institutional investors. Adding to the buzz is a grey market premium (GMP) of Rs 26, or 22%, over the issue price of Rs 120 per share, suggesting a possible listing around Rs 146. While GMPs are not always indicative of listing performance, the premium reflects strong demand in the unlisted market ahead of debut. Explore courses from Top Institutes in Please select course: Select a Course Category Product Management Healthcare Management Degree Cybersecurity Finance MCA healthcare Project Management Artificial Intelligence Technology PGDM Others Data Science Data Science Leadership Design Thinking MBA CXO Data Analytics others Digital Marketing Public Policy Operations Management Skills you'll gain: Product Strategy & Roadmapping User-Centric Product Design Agile Product Development Market Analysis & Product Launch Duration: 24 Weeks Indian School of Business Professional Certificate in Product Management Starts on Jun 26, 2024 Get Details Skills you'll gain: Product Strategy & Competitive Advantage Tactics Product Development Processes & Market Orientations Product Analytics & Data-Driven Decision Making Agile Development, Design Thinking, & Product Leadership Duration: 40 Weeks IIM Kozhikode Professional Certificate in Product Management Starts on Jun 26, 2024 Get Details Skills you'll gain: Creating Effective Product Roadmap User Research & Translating it to Product Design Key Metrics via Product Analytics Hand-On Projects Using Cutting Edge Tools Duration: 12 Weeks Indian School of Business ISB Product Management Starts on May 14, 2024 Get Details by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Indonesia: Unsold Sofas at Bargain Prices (Prices May Surprise You) Sofas | Search Ads Search Now Undo Subscription breakdown The IPO, which ran from July 21 to July 23, saw NII (HNI) bids overshoot by 196.44 times, followed by QIBs at 93.02 times and retail investors at 91.62 times. About the Company Savy Infra and Logistics is an EPC contractor involved in large-scale infrastructure groundwork—particularly earthmoving, foundation preparation, and demolition—as well as associated logistics and equipment rental services. The company operates on an asset-light model, offering scalability and capital efficiency. Live Events With operations across eight states, Savy Infra has handled major government and private sector contracts and currently boasts order flows worth Rs 430 crore. As of April 2025, it employed 33 full-time workers across sites, reflecting lean operational management. Financials and Valuation The company has posted explosive financial growth in FY25. Revenue rose 179% YoY to Rs 283.77 crore, while PAT surged 142% to Rs 23.88 crore. The IPO proceeds will go primarily toward working capital needs (Rs 49 crore), with the rest for general corporate purposes. Listing Outlook Backed by strong financials, sector tailwinds, and robust investor response, Savy Infra appears well-positioned for a solid debut. ( Disclaimer : Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of the Economic Times)
