Latest news with #Paytm
India.com
18 hours ago
- Business
- India.com
No OTP needed! Make payments using your fingerprint and..., check details here
No OTP needed! Make payments using your fingerprint and…, check details here Biometric Payment Technology: In today's fast-track world, waiting for an OTP every time we make a payment is kind of old-school now. All this will change now, as Federal Bank has taken a big initiative for the first time in India. The bank has launched a facility in which customers will be able to make their e-commerce payments by verifying themselves using face ID or fingerprints. It simply means that users don't have to wait for the OTP, and payment will be done with just one touch. What Is This Facility, And How Will It Work? Making direct payment without waiting for OTP will make the payment faster and also set a new standard in terms of security. According to the Federal Bank, it has taken the step to provide a smooth, secure, and future-ready digital experience to its customers. How Will Payment Be Done Without OTP? When an individual makes the payment for the first time, the system will ask if he/she want to make payment without using OTP. If the user says yes, he/she has to input the security credentials such as fingerprint or face ID. After allowing the biometric verification, a pop up will appear on the device in which the individual will be identified by his/her biometrics. After that just one touch and the verification will be done. After completing the process, the transaction will be done in two clicks. The feature is available on Paytm, PhonePe, Google Pay in Android 5.0+ and iOS 13.0+ devices. However, it will be implemented on other merchant apps in the coming months. It is to be noted that if the biometric identification fails, the bank will then give the OTP option for security purposes. Is It RBI Approved? It is to be noted that the facility is approved by the Reserve Bank of India. In this facility, the user's mobile becomes the second factor with biometric confirmation. The good news is that It is almost impossible to steal technology like fingerprint or face ID. This step will also curb card scams and SIM cloning. Merchants can access a user-friendly SDK that, when integrated into their application, enables them to offer customers a quick, secure, and smooth payment experience.
Mint
a day ago
- Business
- Mint
7 stock market red flags every Indian investor must avoid
"The essence of investment management is the management of risks, not the management of returns." - Benjamin Graham India's stock market has been booming, crossing the $5 trillion milestone. With millions of new investors entering the scene, the opportunity is massive, but so are the risks. According to Pranjal Kamra, founder of Finology, 'Most investing mistakes aren't made because people choose the wrong stock, but because they ignore basic red flags.' His years of market experience show that avoiding certain traps is just as important as spotting winning companies. Here are 7 major red flags every Indian investor should watch for, along with practical checks you can perform using tools like the Finology Ticker stock screener. 1. Companies That Keep Losing Money Just because an industry is growing doesn't mean every player in it will survive. Avoid companies that consistently post losses, regardless of their sector. Examples: Vodafone Idea: Despite massive demand for telecom services in India, the company has struggled with continuous losses due to its massive debt. Despite massive demand for telecom services in India, the company has struggled with continuous losses due to its massive debt. Paytm (in its early years): The digital payments sector was growing rapidly, but the company posted huge losses before finally turning profitable through aggressive cost-cutting. Pro Tip - Use the Finology Ticker Screener to filter out loss-making companies by checking consistent net profit over the years. 2. Low Return on Equity (ROE) ROE indicates how well a company uses shareholders' money to generate profit. An ROE below 10-12% for several years may indicate poor capital efficiency. Example: Many public sector banks underperformed for years due to low ROE compared to private sector peers. Pro Tip - With Finology Ticker, you can screen for companies consistently delivering ROE above 15%. 3. Overpriced Stocks with Slowing Growth High valuations only make sense if a company's earnings are expected to grow fast. If growth slows, the stock price can fall sharply, even for well-known names. Example: Companies like Nerolac Paints, Bata India, and Whirlpool were market darlings, but their high prices couldn't protect investors when their growth slowed down. (5-Year CAGR Return as on 25th July from Finology Ticker) Investor Tip: 'Valuation without growth is just speculation,' says Pranjal Kamra. Focus on earnings growth and not just brand names. 4. Hype-Driven Stocks Without Profits Trendy themes like AI, drones, or green energy attract attention, but not always profits. When narratives fade, stock prices can fall sharply. Case in point: Adani Green Energy saw a steep correction despite the renewable sector's promise, as valuations outpaced earnings. Pranjal Kamra advises: 'Always look at numbers first.' Use Ticker's financial reports to verify earnings and margins. If you want help picking fundamentally sound stocks backed by research, not trends - Finology 30 curates one quality stock every 12th day, with its max buy price and fair valuation clearly defined. 5. Stock Tips from Unverified 'Finfluencers' Many social media stock tips lack research or accountability. SEBI has started cracking down on such unregulated advice. Investor Tip: Always check official data, like annual reports and filings. The Finology Ticker platform simplifies access to verified company information, helping investors make informed decisions. Just visit their report section for free. (Source: Finology Ticker Reports) 6. Weak or Controversial Management A company is only as strong as its leadership. Frequent strategy shifts, legal troubles, or senior resignations are signs of deeper issues. Red Flags to Watch: Frequent CEO or CFO resignations Ongoing regulatory issues or lawsuits No clear long-term strategy Example: Manpasand Beverages collapsed after audit irregularities raised serious governance concerns. 7. High Debt and Poor Interest Coverage Debt isn't always bad, but if a company can't pay its interest, that's a red flag. A quick check is the Interest Coverage Ratio (ICR). An ICR below 1 means the company isn't earning enough to service its loans. Investor Tip: Choose companies with ICR above 2. Finology Ticker offers an ICR filter to help spot financially sound firms in seconds. (Source: Finology Ticker Screener) Final Checklist for Safer Investing Here's a quick summary of red flags and how to avoid them using simple checks: Profits matter : Avoid companies with consistent losses. : Avoid companies with consistent losses. ROE check : Look for Return on Equity above 15%. : Look for Return on Equity above 15%. Valuation vs. growth : Don't overpay for slowing companies. : Don't overpay for slowing companies. Ignore hype : Trends are risky without real earnings. : Trends are risky without real earnings. Avoid finfluencer tips : Trust data-backed platforms like Finology Ticker. : Trust data-backed platforms like Trustworthy management : Watch for frequent exits or legal issues. : Watch for frequent exits or legal issues. Debt caution: Stick to firms with an Interest Coverage Ratio above 2. Closing Thoughts Great investing isn't about finding the next multi-bagger; it's about avoiding mistakes that erode your capital. As Pranjal Kamra puts it: 'You don't need to be a genius to invest well. You just need discipline and the right tools.' Platforms like Finology Ticker make this easier by providing key financial insights and filters at your fingertips. Start using free tools like Ticker's stock screener to spot red flags before they cost you money. By following a simple, checklist-driven approach, Indian investors can build portfolios that survive the noise and thrive in the long run. Finology is a SEBI-registered investment advisor firm with registration number: INA000012218. Disclaimer: The views and recommendations made above are those of individual analysts or broking companies, and not of Mint. We advise investors to check with certified experts before making any investment decisions.
India.com
a day ago
- Business
- India.com
7 New UPI Rules From 1 August 2025: Paytm, PhonePe, GPay, BHIM Users Must Know About Latest Changes
photoDetails english 2938543 Starting 1 August 1 2025, new set of UPI rules will come into effect, changing how UPI users use the service. The new rules pertains to balance check, checking bank account links and transaction status among other major things. Here's all Paytm, PhonePe, GPay, BHIM users need to know. Updated:Jul 30, 2025, 07:08 AM IST 7 New UPI Rules From 1 August 2025 1 / 8 The National Payments Corporation of India (NPCI), which oversees the UPI ecosystem, has implemented these new limits to relieve system strain and reduce issues like payment delays and unsuccessful transactions. According to the NPCI, this move will make UPI smoother and more reliable. Here are the UPI changes that are being implemented from next month. 1. Most-Used APIs On UPI Network 2 / 8 The NPCI recently issued a circular mandating banks and PSPs to limit the use of the most-used APIs on the UPI network. These APIs include balance inquiry, fulfilling autopay mandate and checking transaction status among others. The NPCI has said that repeated API (application programming interface) requests increase pressure on the UPI network, increasing the risk of system downtime. 2. Balance Checks Capped At 50 Times 3 / 8 UPI users will be able to check their account balance only 50 times per day, starting next month. According to the NPCI guidelines, UPI apps should limit balance enquiry requests to reduce the load in peak hours. So, it set a daily cap of 50 apps per customer in 24 hours. 3. Account List Access Limited To 25 Times 4 / 8 UPI users will be able to check bank accounts linked to their mobile number only 25 times a day per app, starting next month. 4. Transaction Status Check Limited To Three 5 / 8 The number of times you can check the status of a transaction will also be limited to three and there must be a minimum of 90 seconds gap between each check. 5. Changes To UPI AutoPay Features 6 / 8 Fixed time slots are being introduced by NPCI for UPI auto pay transactions. According to this, scheduled payments, such as EMIs, utility bills, subscriptions and auto payments, will be processed during specific windows rather than at random throughout the day. 6. Changes To Affect All UPI Users 7 / 8 The new limits will apply to all users across all platforms. They will be applicable to all individuals who use applications like Paytm, Google Pay, PhonePe or any other UPI payments app. These limits have been introduced to address users who repeatedly overload the system with requests. 7. Banks To Communicate About Available Balance 8 / 8 According to the directives of the NPCI, the issuer banks will have to notify users of the available balance in their accounts after every financial transaction.
India.com
2 days ago
- Business
- India.com
UPI transaction new rules: Big update for PhonePe, GPay, Paytm users due to…, THESE rules will change from…, updates you should know
Home Business UPI transaction new rules: Big update for PhonePe, GPay, Paytm users due to…, THESE rules will change from…, updates you should know UPI transaction new rules: Big update for PhonePe, GPay, Paytm users due to…, THESE rules will change from…, updates you should know These new rules are designed to enhance system efficiency, reduce server load, and improve security for all UPI users, including customers of Google Pay, PhonePe, Paytm, and other popular apps. Starting 1st August 2025, some important changes are coming to UPI apps like Paytm, PhonePe, GPay, and others. If you use UPI regularly, it is important to know what will be different. The National Payments Corporation of India (NPCI), which manages the UPI system, is bringing in new rules to reduce pressure on the system. These changes will help avoid delays and failed payments during busy hours. New UPI limits you should know: You will only be able to check your account balance 50 times a day through any UPI app. You can view your bank account linked to your phone number only 25 times a day on a UPI app. These limits are being added to reduce unnecessary traffic on the UPI network. This way, the system will work faster and smoother, especially when many people are using it at the same time. It will also help make your transactions more secure. New AutoPay rules for UPI: Fixed time slots announced Along with new daily limits, NPCI is also bringing changes to UPI AutoPay transactions starting from 1st August 2025. This will affect payments that happen automatically, such as: Subscriptions Utility bills EMI payments Other scheduled auto payments What's changing? From now on, all AutoPay transactions will be processed only during fixed time slots during the day. This means your auto payments will not go through anytime like before, they will only be processed at the following times: Before 10:00 AM Between 1:00 PM to 5:00 PM After 9:30 PM There is no change in the transaction limit, the payment amount rules will remain the same as before. For breaking news and live news updates, like us on Facebook or follow us on Twitter and Instagram. Read more on Latest Business News on
Mint
2 days ago
- Business
- Mint
Stocks to buy for short term: From Paytm to Cipla — experts recommend THESE 5 technical picks for the next 2-3 weeks
Stocks to buy for the short term: The Indian stock market has been on a losing streak for the last three consecutive sessions, fueled by heavy foreign capital outflow, a delayed India-US trade deal, and weak Q1 earnings. The Sensex has crashed 1,836 points, or 2.2 per cent, while the Nifty 50 has fallen 2.1 per cent in the last three sessions. Investors have lost over ₹ 12 lakh crore in this period. On Monday, July 28, the Sensex closed 572 points, or 0.70 per cent, lower at 80,891.02, while the Nifty 50 settled at 24,680.90, suffering a loss of 156 points, or 0.63 per cent. Experts believe the market may remain weak in the near term. "The RSI continues to support the bears with its negative crossover. In the short term, the index may remain under pressure, with a possibility of slipping towards 24,550. On the higher end, resistance is seen at 24,800 and 24,950," said Rupak De, Senior Technical Analyst at LKP Securities. While the market sentiment appears fragile, experts see stock-specific opportunities across segments. Mandar Bhojane of Choice Broking and Vishnu Kant Upadhyay of Master Capital Services suggested five stocks to buy for the next two to three weeks. Take a look: Paytm has recently completed a breakout from a classic cup and handle pattern on the daily timeframe. Following this technical move, the stock is holding steady above its breakout point and gearing up for another potential rally. The increased trading volume accompanying this phase points to strong buying interest in the stock. "If Paytm can secure a close above ₹ 1,100, it may set its sights on reaching the immediate targets of ₹ 1,210 and ₹ 1,240. For prudent risk management, setting a stop-loss at ₹ 1,030 is advised, helping to cushion against any unexpected decline in price," said Bhojane. Garuda has recently broken out of a rounding bottom pattern, showing consolidation above the breakout level and is now on the verge of a fresh breakout. This move has been accompanied by a significant increase in trading volume, which signals strong bullish momentum. "If the price closes above the ₹ 185 level, it could potentially reach short-term targets of ₹ 210 and ₹ 220. To manage risk prudently, it is recommended to set a stop-loss at ₹ 170 to safeguard your investment against a possible market reversal," Bhojane said. Cipla has recently broken out of a symmetrical triangle pattern on the daily chart, accompanied by a notable increase in trading volume, which suggests strengthening bullish momentum. "If the price manages to sustain itself above the key resistance level of ₹ 1,580, the stock could aim for short-term targets of ₹ 1,700 and ₹ 1,750," said Bhojane. "The rising volume adds conviction to this breakout, indicating strong buying interest. However, to prudently manage risk, it is advisable to set a stop-loss at ₹ 1,510 to protect your investment from any unexpected market reversal or downturn," Bhojane said. Cipla has broken out of a prolonged consolidation phase with a strong bullish candle backed by rising volume, signalling aggressive buying. The stock is forming a series of higher highs and higher lows, confirming a sustained uptrend. It is trading above all key moving averages, reinforcing positive momentum. RSI is rising, indicating strength, and MACD has given a fresh bullish crossover. "The overall structure suggests strong momentum and continued buying interest," said Upadhyay. Supreme Industries broke out above a key resistance zone, signalling the start of a bullish phase. Following the breakout, it retested this zone, now acting as support, by forming a textbook double bottom pattern, reinforcing the strength of the level. The stock has resumed its uptrend, forming higher highs and lower lows. Price remains above all key EMAs, and volume expansion supports the breakout. RSI is holding above 60, and MACD has given a fresh bullish crossover, indicating sustained upside momentum. Navin Fluorine has broken out above a long-term resistance near ₹ 4,890-4,950 zone and is currently consolidating in a narrow range, indicating healthy digestion of gains and setting the stage for a potential further rally. The formation of higher highs and higher lows reflects a sustained uptrend. Price remains above all major EMAs. Rising volume during up moves, coupled with an RSI above 65 and a bullish MACD crossover, reinforces positive momentum and the structure's underlying strength. Read all market-related news here Disclaimer: This story is for educational purposes only. The views and recommendations expressed are those of individual analysts or broking firms, not Mint. We advise investors to consult with certified experts before making any investment decisions, as market conditions can change rapidly and circumstances may vary.
