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Apple Pay Launches in India Eligible Cards, Devices and How to Use It
Business

Apple Pay Launches in India Eligible Cards, Devices and How to Use It

Apple Pay Now Available in India Who Can Use It and How to Set It Up By News National Editorial Team Apple Pay is now available in India for eligible cards. Learn about supported devices, Axis Bank credit cards, setup steps and contactless payments. Apple Pay Arrives in India Apple has introduced its digital payment service, Apple Pay, in India, giving eligible Apple device users another way to make contactless payments. The service allows supported bank cards to be added to Apple Wallet and used at compatible payment terminals, participating apps and supported online checkout pages. According to the reported launch information dated September 30, 2026, the service initially supports eligible Visa and Mastercard credit cards issued by Axis Bank. This means Apple Pay is not immediately available to every Indian bank customer, and users should check whether their specific card is supported before attempting to set it up. Apple Pay uses compatible Apple devices and payment terminals to facilitate transactions without requiring users to hand over their physical cards. Who Can Use Apple Pay in India? To use Apple Pay, customers need a compatible Apple device, supported software and an eligible payment card. iPhone: A compatible iPhone running a supported version of iOS. Apple Watch: A compatible Apple Watch with supported watchOS, paired with an eligible iPhone where required. iPad: Supported iPad models can be used for eligible in-app and online payments. Eligible bank card: Initially, the reported launch supports eligible Axis Bank Visa and Mastercard credit cards. Card eligibility may depend on the bank's terms, card type and verification requirements. Users should consult Apple's official support pages and Axis Bank's latest information for the current list of supported cards. How to Set Up Apple Pay Eligible users can try adding their card through the Wallet app or a supported banking app. Method 1: Through Apple Wallet Open the Wallet app on your compatible iPhone. Tap the plus (+) button. Select the option to add a debit or credit card. Follow the on-screen instructions to enter or scan your card details. Complete any verification requested by the bank. Once the card is approved, follow the instructions to use it for eligible payments. Method 2: Through Your Banking App Open the latest version of your supported banking app. Check whether it offers an option to add your card to Apple Wallet. Follow the bank's instructions. Complete the required verification. If your card cannot be added, contact Axis Bank to confirm eligibility. Do not share your PIN, password or one-time password with anyone claiming to help activate Apple Pay. How to Pay at Stores At a participating store, Apple Pay can be used at a compatible contactless payment terminal. Using an iPhone: Double-click the side button on a compatible iPhone. Authenticate using Face ID, Touch ID or your device passcode, as applicable. Hold the iPhone near the contactless reader. Wait for the payment terminal to confirm the transaction. Using an Apple Watch: Open the payment interface using the watch's supported controls, authenticate if required, and hold the watch near the contactless reader. The merchant's terminal must support the relevant contactless payment method. For online and in-app transactions, the merchant must offer Apple Pay as a payment option. Where Can Apple Pay Be Used? The availability of Apple Pay depends on merchant support and payment infrastructure. Reported launch coverage has mentioned retailers, food-delivery platforms, travel services and other businesses, including Apple Store, Blinkit, Chaayos, Croma, Ixigo, Reliance brands, Tata 1mg and Zomato. However, availability may differ between a company's physical stores, website and mobile app. Users should look for the Apple Pay option at checkout or confirm acceptance with the merchant before relying on the service. Payment-service providers and payment-terminal operators also play a role in enabling merchants to accept contactless transactions. Is Apple Pay Secure? Apple says Apple Pay is designed to protect payment information. Instead of sharing the original card number with a merchant, the service uses a device-specific account number and transaction-specific security measures. The device account number is stored in a dedicated security component on supported devices. Apple also provides features that allow users to protect a lost device through Find My, including locking or disabling access where supported. Nevertheless, no digital payment system should be considered completely risk-free. Users should: Protect their devices with a strong passcode. Keep their operating systems and apps updated. Review bank statements and transaction notifications. Contact their bank immediately about suspicious transactions. Never share banking credentials or verification codes with strangers. For the precise technical details and applicable limitations, consult Apple's official security documentation. Does Apple Pay Replace UPI in India? No. Apple Pay and the Unified Payments Interface (UPI) serve different payment use cases. Apple Pay enables eligible payment cards to be used through compatible Apple devices. UPI facilitates bank-account-based payments through supported applications and participating financial institutions. The arrival of Apple Pay therefore does not mean that users no longer need UPI. Customers can continue choosing between available payment methods according to their needs, the merchant's acceptance options and their bank's services. Will Credit Card Rewards Continue? Eligible card benefits may continue to apply when a supported card is used through Apple Pay, subject to the bank's card terms and any applicable exclusions. Customers should review Axis Bank's current rewards, promotional offers, fees and transaction conditions rather than assuming that every benefit applies to every Apple Pay transaction. What the Launch Means for India's Digital Payments Market Apple Pay adds another potential contactless payment option for Indian customers using compatible Apple devices. Its initial reach, however, depends on which banks, cards, merchants and payment terminals support the service. The number of participating banks and eligible card types could change over time. Users should rely on current official announcements rather than assuming that every Indian credit or debit card can already be added to Apple Wallet. For now, the most practical first step is to check device compatibility, confirm card eligibility and follow Apple's official setup instructions. Reference Websites 1. Apple Newsroom India — Official AnnouncementFor Apple's launch announcement, supported devices, availability and security information: https://www.apple.com/in/newsroom/2026/09/apple-pay-launches-in-india/ 2. Apple — Participating Banks and CardsCheck the latest information about supported banks and eligible cards: https://www.apple.com/in/apple-pay/banks/in/en-in.html 3. Reuters — Apple Pay Launch in IndiaFor independent news coverage of the reported launch and banking partnership: https://www.reuters.com/world/india/apple-pay-launches-india-with-axis-bank-partnership-2026-09-30/ 4. Siasat — Original Article“Apple Pay now available in India: Who can use it and how” https://www.siasat.com/apple-pay-now-available-in-india-who-can-use-it-and-how-3550133/ 5. Apple Support — Apple Pay Setup and UseFor device-specific instructions and troubleshooting, consult Apple's official support resources: https://support.apple.com/apple-pay

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AI in Digital Marketing How Indian Businesses Are Using AI
All Blogs SEO

AI in Digital Marketing How Indian Businesses Are Using AI

AI in Digital Marketing How Indian Companies Are Changing Their Strategies Explore how AI is changing digital marketing in India through research, analytics, content workflows, customer service and advertising. Artificial intelligence is becoming an increasingly important tool for digital marketers. AI can help marketers analyse information, identify patterns, generate ideas, organise workflows and support customer interactions. AI for Research Marketing teams can use AI tools to organise large amounts of information and identify potential questions customers may have. Human verification remains essential. AI and Content AI can help create outlines and drafts, but publishing unreviewed machine-generated material can reduce quality. Google's guidance focuses on whether content is useful and people-first rather than simply whether automation was used. AI Advertising Machine-learning systems can help advertisers optimise campaigns based on performance data. Customer Service AI-powered assistants can handle routine questions while complex cases can be escalated to people. The Human Role Strategy, fact-checking, brand voice, ethical decisions and final editorial control remain important. FAQ Will AI replace SEO professionals?It is more likely to change the tasks SEO professionals perform than eliminate the need for strategy. Can AI-generated content rank?Content quality and usefulness matter. Google's policies focus on preventing content created primarily to manipulate search rankings. Should businesses disclose AI use?Where readers could reasonably wonder how content was created, transparency can be useful.

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WhatsApp Marketing in India Effective Business Strategies
All Blogs SEO

WhatsApp Marketing in India Effective Business Strategies

WhatsApp Marketing in India Strategies for Businesses Discover practical WhatsApp marketing strategies for Indian businesses, including customer communication, promotions and support. Messaging has become a major part of digital communication in India. For businesses, messaging platforms can provide a direct way to communicate with customers. Customer Support Businesses can use messaging for order updates, appointment reminders, service questions and customer support. Promotions Promotional messages should be relevant and sent only to people who have legitimately opted to receive them. Personalisation A customer who purchased a product may need different information from a new visitor. Responsible personalisation can make communication more useful. Avoid Spam Sending repeated unsolicited promotional messages can damage trust and brand reputation. Connect Messaging With the Website The website should remain the main source of detailed information, while messaging can make it easier for customers to ask questions. FAQ Is WhatsApp useful for small businesses?Yes, especially where customers already use messaging for communication. Should businesses send messages to everyone?No. Permission, relevance and frequency matter. Can WhatsApp replace a website?For most businesses, it should complement rather than replace a website. Suggested category: Digital Marketing

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Nvidia Reportedly Invests in Four French Technology Startups
Technology

Nvidia Reportedly Invests in Four French Technology Startups

Nvidia reportedly agreed to take stakes in four French startups, expanding its involvement in Europe’s AI ecosystem, according to a Reuters report. By News National Editorial Team US semiconductor company Nvidia has reportedly agreed to acquire stakes in four French technology startups, according to a Reuters report citing French newspaper Les Echos. The companies named in the report are Doctolib, Genesis AI, Pigment and Entalpic. The reported investments would strengthen Nvidia’s connections with European technology companies working across healthcare technology, artificial intelligence, business software and other technical fields. The precise value of the reported investments and the size of the individual stakes were not disclosed in the cited report. Doctolib had previously confirmed that Nvidia would take a minority stake, saying the relationship would support its development of AI tools. Genesis AI, Pigment and Entalpic did not immediately respond to Reuters’ requests for comment, according to the report. Why Nvidia is investing beyond chips Nvidia is best known for its graphics processing units (GPUs), which have become important components in AI training and inference systems. Its broader AI ecosystem includes software, development tools and platforms used by companies building AI products. Investing in startups can give a semiconductor company closer relationships with developers and businesses that use AI technology. It can also create opportunities for collaboration and help the company understand emerging requirements across different industries. However, a reported investment does not necessarily mean that a startup has committed to using Nvidia exclusively or that the companies have announced a formal product partnership. Four companies across different technology areas Doctolib is a French healthcare technology company known for digital services used by patients and healthcare professionals. The reported Nvidia investment could support its work on AI-enabled tools, although the exact projects and financial arrangements were not detailed in the cited report. Genesis AI is associated with developing technology for artificial intelligence and robotics. Its work sits within a broader industry effort to connect advanced AI capabilities with systems that can interact with the physical world. Pigment develops business planning and performance-management software. AI tools in this sector can help organisations analyse information, build forecasts and support business decisions, although any deployment needs reliable data and appropriate oversight. Entalpic focuses on AI applications for scientific and industrial challenges, including materials and chemical discovery. Such applications aim to use computational methods to accelerate research and identify promising candidates for further testing. The companies operate in different markets, so the strategic value of each investment may vary. The terms and intended outcomes should not be assumed without further disclosures from the companies involved. What the reported investments mean for Europe’s AI sector European governments and technology businesses have been working to expand regional AI capabilities, including research, computing infrastructure and the growth of local startups. Investment from a major global technology company can provide funding and potential access to expertise, infrastructure or commercial networks. It may also signal confidence in the region’s technology ecosystem. At the same time, the long-term impact depends on the investment terms, the startups’ ability to develop useful products and their success in reaching customers. Competition in the global AI market The AI industry is increasingly shaped by companies that combine hardware, software, cloud infrastructure and application development. Nvidia’s reported investments reflect one way a major chip supplier can build relationships across this expanding market. For investors and technology businesses, the developments are worth monitoring, but the financial implications cannot be assessed fully without details of the investment amounts and ownership stakes. Further announcements from Nvidia and the four startups may clarify the scope of the deals and whether they include specific technical or commercial partnerships. Source: Reuters, October 13, 2026: https://www.investing.com/news/stock-market-news/nvidia-buys-stakes-in-four-french-tech-startups-les-echos-reports-4947355

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Anthropic Warns AI Models Could Spread Across Vulnerable Smart Devices
Cyber Security

Anthropic Warns AI Models Could Spread Across Vulnerable Smart Devices

Anthropic’s October 13 report warns that small AI models could eventually help malware spread across vulnerable internet-connected devices. By News National Editorial Team Artificial intelligence company Anthropic has warned that advances in AI could make it easier for malicious software to spread between vulnerable internet-connected devices, raising concerns about the security of smart-home products and other Internet of Things (IoT) equipment. A Reuters report published on October 13 described experiments in which researchers examined whether AI models could identify vulnerable devices, copy themselves and continue spreading without direct human assistance. Anthropic said models with fewer than 30 billion parameters could perform many of the individual steps involved in self-replication. Under simplified testing conditions with reduced security, models could complete an end-to-end replication process. The findings highlight a potential cybersecurity risk, but they do not establish that a fully autonomous AI worm is already spreading widely through commercial smart-home devices or data centres. How AI-assisted malware could work Traditional malware often relies on pre-written instructions to exploit weaknesses, install malicious code or communicate with other infected systems. AI could potentially help attackers perform some of these tasks more flexibly. For example, an AI-enabled malicious system might help identify poorly protected devices, analyse available information about their weaknesses and adapt parts of an attack process. If a compromised device can communicate with other vulnerable devices, the infection could potentially expand into a larger network. Smart TVs, inexpensive Android-based devices, routers and other connected equipment can be attractive targets when manufacturers do not provide timely security updates or users leave default credentials unchanged. However, identifying a vulnerability is not the same as successfully exploiting it. Real-world attacks must overcome authentication, operating-system restrictions, network protections and other technical barriers. Why the findings matter A self-propagating malicious network could be difficult to contain if infected devices communicate across different networks and are controlled by different owners. Depending on its capabilities, such a network could be used for distributed denial-of-service attacks, spam, unauthorised computing or other malicious activity. The risk is especially relevant as AI systems become more capable of carrying out multi-step tasks with limited supervision. Nevertheless, Anthropic’s experiments should be understood as a warning about possible future capabilities, not proof that current AI models can automatically compromise every connected device. The company’s research indicates that more capable systems could increase the feasibility of these attacks if security weaknesses remain unaddressed. Steps users and businesses can take Consumers should install firmware and security updates, replace default passwords, disable remote administration when it is not needed and remove internet-connected devices that are no longer supported. Home and business networks should also separate IoT devices from computers containing sensitive information where practical. Network monitoring and secure router configurations can reduce the potential impact of a compromised device. Businesses should maintain an inventory of connected equipment, monitor unusual network activity and establish procedures for isolating devices when a security incident occurs. Manufacturers also have a role to play. Secure default settings, reliable update mechanisms and clear support periods can make connected products harder to exploit. The wider AI safety challenge The research raises questions about how AI developers should evaluate models that can perform complex cyber-related tasks. Testing needs to examine not only what a model can do in a controlled environment, but also whether its capabilities could be misused when combined with vulnerable software and poorly protected devices. For cybersecurity teams, the immediate priority is to strengthen existing defences rather than assume that a new category of malware has already become widespread. Source: Reuters, October 13, 2026: https://www.reuters.com/business/ai-models-may-soon-self-replicate-without-access-data-centers-anthropic-warns-2026-10-13/

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Google Launches Gemini 4 Argon AI Model for Developers and Businesses
Technology

Google Launches Gemini 4 Argon AI Model for Developers and Businesses

Google launched Gemini 4 Argon on October 13, 2026, targeting complex coding, finance, legal, cybersecurity and scientific tasks. By News National Editorial Team Google has launched Gemini 4 Argon, a new artificial intelligence model designed to handle complex, multi-step tasks across software development, finance, legal services, cybersecurity and scientific research. The release expands Google’s AI offerings for developers, businesses and eligible consumer subscribers. In its official announcement on October 13, Google DeepMind said the model was designed for tasks that require deeper reasoning, sustained context and the coordination of multiple steps. The company is positioning Argon as a tool for professional work rather than simply a conversational assistant. The launch comes amid intense competition among major AI developers, including Google, OpenAI and Anthropic, as businesses increasingly look for systems that can assist with technical and knowledge-intensive work. What Gemini 4 Argon is designed to do Google says Argon can help developers work with large codebases, solve complicated engineering problems and improve software systems. In business environments, the model is intended to support workflows involving financial analysis, legal research and other professional tasks. The company also highlighted potential applications in cybersecurity, including identifying and helping to fix software vulnerabilities. In scientific research, possible applications include assisting researchers with complex investigations and technical problem-solving. These are capabilities and use cases described by Google. Actual performance will depend on the task, the quality of available information, the tools connected to the model and the safeguards used by each organisation. AI-generated output in legal, financial and security-sensitive settings still requires appropriate human review. A model’s ability to produce a detailed answer does not automatically establish that the answer is accurate or suitable for use without verification. Availability and pricing Google announced worldwide availability for developers and enterprises through its AI development platforms. The company also made the model available to eligible Google AI Pro and Ultra subscribers through supported consumer products, including the Gemini app and AI Mode in Search. According to Google’s published pricing, the introductory API rates are $2 per million input tokens and $10 per million output tokens. The company said these rates would increase to $4 per million input tokens and $20 per million output tokens after November 30, 2026, for the public-access version covered by the announcement. Token-based charges depend on how much information a model processes and generates. Businesses should estimate usage, test performance and review the applicable pricing conditions before deploying the model at scale. Implications for businesses and developers A model capable of handling longer workflows could help organisations automate parts of software development, research and document analysis. However, businesses will need to assess whether it improves productivity enough to justify its operating costs. Organisations should also consider confidential data handling, access controls, output validation and the risk of errors in automated workflows. High-impact actions should remain subject to appropriate approval and monitoring. Developers and businesses will assess Argon through practical use, independent evaluations and comparisons with competing systems. The key questions will be how reliably it handles complex tasks, how much human supervision it requires and whether its performance justifies its cost. Google’s announcement marks another step in the AI model competition, but real-world results will depend on independent testing and users’ experience. Sources: Google DeepMind, October 13, 2026: https://blog.google/intl/en-in/products/introducing-gemini-4-argon/ Google Cloud, October 13, 2026: https://cloud.google.com/blog/products/ai-machine-learning/gemini-4-argon-available-on-google-cloud

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Union Minister of State Dr L. Murugan has resigned from his ministerial posts and Rajya Sabha membership, according to an official news report
India

Union Minister of State Dr L. Murugan has resigned from his ministerial posts and Rajya Sabha membership, according to an official news report

Dr L. Murugan Resigns as Union Minister of State and Rajya Sabha Member. By News National Editorial Team Dr L. Murugan has resigned from his positions as Union Minister of State and as a member of the Rajya Sabha, according to a report published by Akashvani News on October 13, 2026. Murugan had been serving as Minister of State in the Union government for Information and Broadcasting and Parliamentary Affairs. The report said he submitted his resignation to Prime Minister Narendra Modi. Focus on political work in Tamil Nadu According to the report, Murugan intends to devote more time to strengthening the Bharatiya Janata Party’s organisation in Tamil Nadu ahead of the 2029 Lok Sabha elections. Tamil Nadu has a distinctive political landscape, with regional parties playing a major role in state politics. Building organisational networks, expanding the party’s reach and engaging with voters are likely to remain important tasks for national parties seeking to increase their support in the state. Murugan’s reported decision therefore places attention on the BJP’s organisational strategy in Tamil Nadu and the role of its state-level leadership. Implications for the Union government A minister’s resignation can lead to changes in departmental responsibilities and the allocation of portfolios. However, the administrative implications depend on the formal acceptance of the resignation and any subsequent decisions announced by the government. The Information and Broadcasting Ministry oversees areas including broadcasting policy and public communication, while Parliamentary Affairs handles coordination between the government and Parliament. Any changes to ministerial responsibilities should be confirmed through official government notifications. What happens next? The next developments to watch are formal confirmation of the resignation, any announcement concerning the vacant ministerial responsibilities and the status of Murugan’s Rajya Sabha membership. The reported intention to focus on party organisation also raises questions about the BJP’s next steps in Tamil Nadu. The party’s future strategy and any formal organisational appointments will need to be established through subsequent announcements rather than assumption. Source: Akashvani News — https://newsonair.gov.in/dr-l-murugan-resigns-as-minister-of-state-rajya-sabha-member/

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BIMSTEC Adopts Delhi Declaration on Regional Security Cooperation
India

BIMSTEC Adopts Delhi Declaration on Regional Security Cooperation

BIMSTEC members adopted the Delhi Declaration on October 13, 2026, pledging stronger cooperation against terrorism, cybercrime and transnational threats. By News National Editorial Team BIMSTEC member countries have adopted the Delhi Declaration to strengthen regional cooperation against terrorism, violent extremism and other cross-border security threats. The declaration followed the first BIMSTEC Home Ministers’ Meeting, held in New Delhi on October 13, 2026, according to the Government of India. The meeting brought together representatives of all seven BIMSTEC member states: Bangladesh, Bhutan, India, Myanmar, Nepal, Sri Lanka and Thailand. India’s Union Home Minister Amit Shah chaired the meeting. Focus on terrorism and cross-border crime The Delhi Declaration calls for stronger cooperation against terrorism and violent extremism, including efforts to counter radicalisation and terrorist financing. The participating countries also discussed cooperation in addressing transnational crime and other threats that cross national borders. Regional security challenges increasingly involve networks that operate across multiple jurisdictions. Information-sharing, coordination between law enforcement agencies and effective legal cooperation can help countries investigate such crimes and respond more efficiently. The declaration also emphasises implementing existing BIMSTEC conventions and agreed action plans. The practical impact will depend on how member countries translate these commitments into coordinated action. Cybersecurity and regional coordination Cybersecurity was among the issues highlighted in the broader discussions on regional security. Cross-border cybercrime can affect government systems, businesses and individuals, making cooperation between countries important for investigations and prevention. The meeting also addressed illicit drugs, extradition and disaster management. A proposal concerning a BIMSTEC disaster management centre in Jamnagar was among the initiatives discussed, according to the official meeting-related announcements. Why the declaration matters BIMSTEC connects South and Southeast Asian countries around the Bay of Bengal. Its members have different security priorities and legal systems, making regular dialogue important for identifying shared concerns and improving cooperation. The Delhi Declaration provides a framework for further collaboration, but the announcement itself does not establish that every proposed measure has already been implemented. Progress will need to be assessed through subsequent agreements, joint operations and official follow-up announcements. Sources: Press Information Bureau — BIMSTEC Home Ministers’ Meeting: https://www.pib.gov.in/PressReleseDetailm.aspx?PRID=2322937&lang=1&reg=3 Press Information Bureau — Delhi Declaration: https://www.pib.gov.in/PressReleseDetailm.aspx?PRID=2322964&lang=1&reg=3

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President Droupadi Murmu to Visit Andhra Pradesh, Attend SARAS Mela
India

President Droupadi Murmu to Visit Andhra Pradesh, Attend SARAS Mela

President Droupadi Murmu will visit Andhra Pradesh on October 14–15, attend the National SARAS Mela in Vijayawada on October 15. By News National Editorial Team President Droupadi Murmu is scheduled to visit Andhra Pradesh on October 14 and 15, 2026, with a programme that includes attending the National SARAS Mela in Vijayawada on October 15, according to an official announcement from the President’s Secretariat. The National SARAS Mela is associated with efforts to promote products made by rural entrepreneurs and members of self-help groups. The event provides a platform for artisans and small producers to showcase their work and connect with potential customers. Focus on rural livelihoods and women entrepreneurs Self-help groups play an important role in supporting rural livelihoods across India, particularly by helping women access savings, credit, training and opportunities to market their products. Exhibitions such as the SARAS Mela can help participating groups increase product visibility and explore new markets. The event is organised by the Union Ministry of Rural Development in coordination with the Andhra Pradesh government, according to the President’s Secretariat. The mela’s wider significance lies in connecting rural producers with consumers and highlighting locally made goods. Depending on the participating groups and products, such exhibitions may also provide opportunities to promote traditional crafts, food products, textiles and other locally manufactured items. Andhra Pradesh visit President Murmu’s visit places Vijayawada at the centre of a national-level rural livelihood event. Her participation is expected to draw attention to the work of self-help groups and the importance of strengthening market access for rural producers. Further details about the President’s complete itinerary, security arrangements and other scheduled engagements should be confirmed through official announcements. Source: President of India — https://presidentofindia.nic.in/press_releases/president-india-grace-national-saras-mela-vijayawada

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UPI Merchant Fee Rollout Reportedly Deferred Until After Diwali
India

UPI Merchant Fee Rollout Reportedly Deferred Until After Diwali

Reports on October 13, 2026, said the rollout of merchant charges for certain UPI transactions above ₹2,000 was postponed until after Diwali. Byline: By News National Editorial Team UPI Merchant Fee Rollout Faces a Delay The reported rollout of merchant discount rate (MDR) charges on certain Unified Payments Interface (UPI) transactions above ₹2,000 was postponed until after Diwali, according to media coverage published on October 13, 2026. The development is relevant to merchants, payment service providers and businesses that rely heavily on digital payments. However, the scope of the proposed charges and the categories of transactions covered must be established from official rules rather than inferred from headlines. UPI is one of India's most widely used digital payment systems, allowing individuals and businesses to transfer money through participating banking and payment applications. What Is the Merchant Discount Rate? The merchant discount rate is a transaction-related charge that may apply to payments accepted by a business, depending on the applicable payment rules and commercial arrangements. MDR should not automatically be confused with a fee charged directly to a customer. A merchant-side charge and a consumer-facing charge are different concepts. Whether a charge applies depends on the transaction category, payment instrument, merchant classification and the governing rules. Would Every UPI Payment Above ₹2,000 Be Affected? Not necessarily. The reported proposal concerns certain person-to-merchant (P2M) transactions, which involve a customer paying a business. This is different from person-to-person (P2P) transfers between individuals. The distinction matters because a headline referring to transactions above ₹2,000 does not establish that every payment above that amount will attract a fee. Before publication, the precise transaction categories, applicable rates, exemptions and implementation date should be checked against the latest official circular or notification. Why the Timing Matters for Businesses Small retailers, restaurants, service providers and online merchants increasingly depend on digital payments to receive money from customers. Any change to merchant payment costs could affect business expenses, payment-provider arrangements and the way merchants evaluate different payment options. Merchants should therefore review communications from their banks and payment service providers to determine whether a new charge applies to their specific transactions. They should not impose additional charges on customers merely because of an unverified report. Any customer-facing fee must comply with the applicable rules. What Should UPI Users Do? Customers can continue to distinguish between ordinary payment activity and a reported change to merchant-side fees. They should rely on official information from NPCI, their banks and authorised payment providers rather than social media messages that may incorrectly suggest all UPI transactions will become chargeable. Businesses should also avoid making changes to payment policies until the relevant terms and implementation date are confirmed. The key outstanding questions are the final implementation date, the categories of merchant transactions covered, the applicable rates and any exemptions. Until these details are verified through an official announcement, the reported postponement should be treated as a development in the proposed rollout rather than evidence that a universal UPI fee has been introduced. Source: India Today Business — Report on UPI merchant fee timing

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Tirupati Development Plan Worth ₹3,222 Crore Venkatadri App Introduced
Andhra Pradesh

Tirupati Development Plan Worth ₹3,222 Crore Venkatadri App Introduced

Andhra Pradesh announces a ₹3,222 crore development plan for Tirupati and pilgrim facilities, alongside the introduction of the Venkatadri app. By News National Editorial Team Major Development Push for Tirupati and Tirumala Tirupati and Tirumala are set for a significant infrastructure development push, with projects valued at ₹3,222 crore aimed at improving facilities for pilgrims and strengthening the region's religious tourism infrastructure. According to media reports published on October 13, 2026, Andhra Pradesh Chief Minister N. Chandrababu Naidu announced development initiatives covering pilgrim accommodation, food facilities, parking infrastructure and other public amenities. Reports also highlighted the introduction of the Venkatadri mobile application associated with the Tirumala Tirupati Devasthanams (TTD). The initiatives are intended to address the needs of millions of devotees who visit the Sri Venkateswara Swamy Temple every year. Improved Facilities for Pilgrims Tirumala attracts devotees from across India and abroad. During festivals, holidays and major religious events, the number of visitors can increase substantially, putting pressure on accommodation, transportation, parking and other essential services. Infrastructure improvements can help authorities manage pilgrim movement more efficiently and improve the overall visitor experience. Better parking facilities and accommodation arrangements may also reduce some of the logistical difficulties faced by visitors. The actual benefits will depend on the implementation schedule, the completion of individual projects and the availability of the proposed services to the public. Venkatadri App Introduced The Venkatadri mobile application was also highlighted as part of the initiative. Digital services can help pilgrims access information about facilities, locations and other essential services during their visit. Reports have described the application as incorporating artificial intelligence-based voice assistance to help users obtain information more conveniently. Pilgrims should check TTD's official website and verified communication channels for the application's official download link, available features and usage instructions. They should avoid installing applications from unverified sources, particularly when services involve personal information or travel arrangements. Potential Benefits for the Local Economy Tirupati is an important religious tourism destination, supporting hotels, restaurants, transport operators, retailers and numerous local service providers. Improvements in pilgrim facilities could create opportunities for local businesses by supporting tourism-related activity and improving the movement of visitors through the region. However, the scale of the economic impact will depend on actual project expenditure, implementation timelines, employment generated and the number of facilities that become operational. Specific economic benefits should not be assumed without supporting data. What Pilgrims Should Know Visitors planning a trip to Tirumala should continue to use official TTD channels for information about darshan, accommodation, transport and other services. The announcement of development projects does not necessarily mean that every facility is already operational. Pilgrims should verify the availability of individual services before making travel plans. The progress of these projects and the rollout of digital services will be important indicators of how effectively the development programme improves the pilgrimage experience. Sources: India Today — Tirupati development projects and Venkatadri app TTD official news portal

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Who Is IAS Officer Tukaram Mundhe? His Journey from a Rural School to Senior Administrative Responsibilities
India

Who Is IAS Officer Tukaram Mundhe? His Journey from a Rural School to Senior Administrative Responsibilities

Learn about IAS officer Tukaram Mundhe's education, UPSC AIR 20, Maharashtra career, FDA leadership and role in the 2026 MPSC inquiry. By News National Editorial Team Indian Administrative Service (IAS) officer Tukaram Mundhe has attracted public attention throughout his career for his direct administrative approach, field inspections and enforcement of government rules. In October 2026, he returned to the headlines after being appointed secretary of a committee investigating alleged irregularities in Maharashtra Public Service Commission (MPSC) examinations. His career spans district administration, municipal governance, public health, transport and other areas of government service. His journey also highlights the path from a rural background to one of India's most competitive public services. Early Life and Education Tukaram Haribhau Mundhe was born on June 3, 1975, in Tadsonna village in Beed district, Maharashtra. He grew up in a farming family and attended a Zilla Parishad school. Media profiles describe him as having helped his family with agricultural work while continuing his education. He later moved to Aurangabad, now officially known as Chhatrapati Sambhajinagar, for higher studies. He completed a bachelor's degree in History and a master's degree in Political Science from Dr. Babasaheb Ambedkar Marathwada University, according to published biographical accounts. His educational background helped prepare him for the Union Public Service Commission (UPSC) Civil Services Examination, one of India's most competitive recruitment examinations. UPSC Success and Entry into the IAS Mundhe cleared the UPSC Civil Services Examination in 2004, securing All India Rank 20, according to media reports. He joined the 2005-batch Indian Administrative Service as an officer of the Maharashtra cadre. The achievement marked a significant turning point in his career. The IAS places officers in administrative roles involving policy implementation, public services, development programmes and coordination between government departments. Mundhe subsequently served in different parts of Maharashtra, gaining experience in both district administration and major urban centres. Administrative Career Across Maharashtra Over the years, Mundhe held several responsibilities, including district-level administration and municipal leadership. His reported postings include roles associated with Solapur, Nashik, Navi Mumbai and Nagpur, among other locations. His work has covered areas such as: District administration: Implementing government programmes and coordinating public services. Municipal governance: Addressing civic administration, urban services and regulatory enforcement. Water conservation: Working in an administrative environment where water management and drought-related issues are important. Transport and public administration: Handling responsibilities involving public institutions and government operations. Food and drug regulation: Overseeing regulatory work intended to protect consumers and public health. His career has often drawn attention because of his enforcement-oriented approach. Media coverage has reported on inspections, action against alleged violations and efforts to strengthen compliance with government regulations. The outcomes of individual initiatives, however, should be assessed through official records and independently verified evidence. Why Have His Transfers Attracted Attention? Frequent transfers have become one of the most discussed aspects of Mundhe's career. Some media reports have described him as having been transferred approximately 25 times. That figure should be treated as a reported estimate unless confirmed through a complete set of official posting and transfer orders. His administrative decisions have sometimes generated public debate. Supporters of his approach have highlighted strict enforcement and field-level monitoring, while particular decisions and transfers have also attracted scrutiny. However, it would be inaccurate to assume that every transfer resulted from political pressure or a dispute. Transfer orders can arise for different administrative reasons, and the reason for an individual posting change should be established from reliable records rather than speculation. Maharashtra FDA Commissioner In May 2026, Mundhe took charge as commissioner of Maharashtra's Food and Drug Administration (FDA), according to published reports. The FDA has an important public-health role. Its responsibilities include enforcing applicable food-safety and drug regulations, inspecting establishments, monitoring compliance and taking action where violations are established. Under the department's regulatory framework, food adulteration, unsafe products and substandard medicines are matters of public concern. Enforcement must be supported by appropriate inspections, evidence, due process and the relevant legal provisions. On October 13, 2026, reports stated that Mundhe remained FDA commissioner while taking on an additional assignment connected with the MPSC inquiry. He also reportedly rejected rumours that he had been transferred out of the FDA. New Responsibility Secretary of the MPSC Inquiry Committee In October 2026, the Maharashtra government appointed Mundhe as secretary of a five-member committee investigating alleged paper leaks and other irregularities connected with MPSC examinations. The appointment followed protests by candidates seeking accountability and improvements in the recruitment process. The committee is chaired by retired judge Dilip Bhosale, according to media reports. Its reported mandate includes examining alleged irregularities and reviewing the roles of current and former MPSC chairpersons and members. The committee was expected to submit its report within 60 days. The appointment is significant because the allegations concern the integrity of a recruitment system on which many candidates depend for access to public employment. An important distinction: Mundhe has been reported as secretary of the special inquiry committee, not as the permanent secretary of the MPSC itself. The allegations under investigation must also be distinguished from proven wrongdoing; conclusions should depend on the committee's findings and the available evidence. Public Service and Administrative Accountability Mundhe's career illustrates the variety of responsibilities an IAS officer may undertake, from district administration to urban governance and regulatory enforcement. His latest assignment places him within an inquiry into the fairness and transparency of a public recruitment process. For candidates and the wider public, the important questions are whether allegations are examined impartially, whether evidence is evaluated carefully, whether responsibility is established fairly and whether any recommended reforms improve the reliability of future examinations. His career continues to attract attention, but its individual episodes are best understood through documented decisions, official orders and verifiable outcomes rather than reputation alone. As the MPSC inquiry proceeds, its final findings and recommendations will be important in determining what happened, whether accountability is warranted and what changes may be needed to strengthen public confidence in recruitment examinations. Sources for Editorial Verification The Times of India — Tukaram Mundhe's background and career The Times of India — Education and career journey India Today — MPSC inquiry committee appointment, October 13, 2026 Hindustan Times — Scope of the MPSC inquiry committee

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Dr. Shrikant Jichkar India’s Remarkable Academic Journey
World

Dr. Shrikant Jichkar India’s Remarkable Academic Journey

Explore Dr. Shrikant Jichkar’s reported 20 qualifications, studies across multiple disciplines, civil service career and political legacy. Dr. Shrikant Jichkar’s Extraordinary Academic Journey Continues to Inspire India By News National Editorial Team Dr. Shrikant Jichkar remains one of India’s most widely discussed examples of academic achievement and lifelong learning. Known for pursuing education across medicine, law, management, journalism, literature and social sciences, he built a career that also included the Indian civil services and public life in Maharashtra. An Exceptional Record in Education Born on September 14, 1954, near Katol in Maharashtra’s Nagpur district, Jichkar pursued an unusually broad range of academic qualifications. Published accounts commonly describe him as having earned approximately 20 degrees and other qualifications. Reports also state that he appeared for 42 university examinations between 1973 and 1990. His reported fields of study included: Medicine: MBBS and MD. Law: Bachelor of Laws (LLB) and Master of Laws (LLM). Management: Management qualifications, including an MBA, are cited in accounts of his education. Journalism: Journalism studies. Social sciences and humanities: Subjects reported include public administration, sociology, economics, history, political science, psychology, philosophy, English literature and Sanskrit. Sanskrit and literature: Further qualifications in Sanskrit and literary studies are also associated with his academic record. The exact number and classification of his qualifications vary across published biographies, partly because some accounts group diplomas, postgraduate qualifications and degrees together. Therefore, the frequently reported figure of around 20 should be understood as an approximate count rather than a universally standardised total. His academic journey is remembered not simply for the number of qualifications he accumulated, but also for the wide range of subjects he explored. From Civil Services to Politics Jichkar’s achievements extended beyond education. Biographical accounts state that he joined the Indian Police Service (IPS) in 1978 and the Indian Administrative Service (IAS) in 1980, before leaving the civil services to enter electoral politics. He was elected to the Maharashtra Legislative Assembly in 1980 and subsequently served in state-level political roles, including the Legislative Council and ministerial responsibilities. He later represented Maharashtra in the Rajya Sabha from 1992 to 1998. His career brought together administration, politics, public affairs and education—fields that demanded different kinds of knowledge and practical skills. A Commitment to Learning Jichkar was also known for his extensive personal library, which several accounts estimate contained approximately 52,000 books. He was associated with educational initiatives, including Sandipani School in Nagpur, reflecting his interest in learning beyond his own academic pursuits. His life illustrates how sustained curiosity can lead people to explore disciplines far beyond their original profession. At the same time, his story should not be reduced to a competition over who holds the most qualifications. Academic achievement also depends on the quality of learning, the responsible application of knowledge and the contribution a person makes to society. His Lasting Legacy Dr. Shrikant Jichkar died in a road accident on June 2, 2004, at the age of 49. Despite his relatively short life, his educational and public-service record continues to attract attention. He is frequently described in media accounts as one of India’s most qualified individuals. However, “most educated” is not a universally defined title, and there is no single standard that ranks every person’s education across all disciplines and institutions. His enduring example is the value he placed on learning throughout life. From medicine and law to public administration and politics, his journey continues to encourage students and professionals to remain curious, broaden their knowledge and use education meaningfully.

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Malaysia Budget 2027 Shipping Incentives, Business Support and Skilled Jobs
World

Malaysia Budget 2027 Shipping Incentives, Business Support and Skilled Jobs

Malaysia’s 2027 Budget outlines shipping tax incentives, MSME support, export financing and skills training to strengthen businesses and employment. Malaysia Budget 2027 Targets More Malaysian Ships, Stronger Local Businesses and Skilled Jobs By News National Editorial Team Kuala Lumpur, October 13, 2026: Malaysia’s 2027 Budget outlines measures to strengthen the country’s domestic shipping industry, support local businesses, expand export opportunities and develop a more skilled workforce. The initiatives include extending income tax exemptions for qualifying Malaysian shipping companies, introducing specific stamp duty rates for loans used to purchase or build Malaysian ships, and allocating funding for skills training and business development. Prime Minister and Finance Minister Anwar Ibrahim presented the 2027 Budget to Parliament on October 9, 2026. The proposals form part of the government’s broader efforts to improve economic competitiveness, encourage investment and create higher-quality employment opportunities. Shipping Industry Receives Tax Incentives Malaysia plans to extend the full income tax exemption available to qualifying Malaysian shipping companies until the assessment year 2036. The budget also outlines specific stamp duty rates for loans used to purchase or construct Malaysian ships. Loans of up to RM100 million will attract stamp duty of RM2,000, while loans exceeding RM100 million will attract RM5,000. These measures are intended to reduce certain financing costs associated with ship acquisition and construction. Lower transaction costs could support investment in maritime transport, vessel ownership and related commercial activities. However, the practical benefits will depend on the final eligibility requirements, implementation rules and the ability of shipping companies to secure financing and undertake new projects. Support for Local Businesses and Exporters Micro, small and medium-sized enterprises (MSMEs) remain an important part of Malaysia’s economy. The 2027 Budget includes measures intended to improve their competitiveness, reduce tax costs for eligible businesses and help local companies access overseas markets. The budget proposes reducing corporate income tax rates for qualifying MSMEs. The announced changes include a rate of 14% on the first RM150,000 of taxable income and 16% on the portion between RM150,000 and RM600,000. The government also plans to allocate RM60 million to the Malaysia External Trade Development Corporation (MATRADE) in 2027 to support export development. In addition, a RM1 billion financing facility through Bank Pembangunan Malaysia Berhad (BPMB) is intended to help local MSMEs pursue export opportunities. If implemented effectively, these measures could help eligible businesses manage costs, explore international markets and develop commercial relationships with overseas buyers. The actual impact will depend on eligibility conditions, access to financing and demand for Malaysian products and services. Skills Training and Employment Opportunities Workforce development is another major component of the budget. As industries adopt automation, digital technologies and new energy systems, employers increasingly need workers with specialised technical and professional skills. The budget outlines RM3 billion in funding through the Human Resource Development Corporation (HRD Corp), with a target of providing three million training opportunities. These programmes are intended to support workforce development and continuing professional education. A further RM500 million allocation was announced to support financial assistance associated with training programmes through the relevant government mechanism. The initiatives could benefit workers seeking to improve their qualifications and employers looking to develop their workforce. However, training participation does not automatically guarantee employment. Results will depend on course quality, employer demand and whether participants acquire skills relevant to available jobs. Maritime Industry Needs a Skilled Workforce Malaysia’s shipping and maritime sectors require specialised capabilities in vessel operations, shipbuilding, engineering, maintenance, logistics, maritime safety and environmental compliance. Technological changes are also increasing the need for workers familiar with digital vessel systems, automation and lower-emission marine technologies. Malaysian shipping group MISC has highlighted the importance of cooperation between government and industry in developing maritime skills, including possible cost-sharing arrangements and matching grants for training. Industry recommendations should not be confused with confirmed government measures. The final details of any approved programme will depend on official announcements and implementation guidelines. What the Budget Could Mean for Malaysia’s Economy The combined effect of shipping incentives, business financing, export support and workforce development could strengthen several parts of Malaysia’s economy. Potential beneficiaries include shipping operators, shipbuilding and repair businesses, logistics providers, engineering companies, exporters and training institutions. Local businesses may also gain opportunities to participate in international supply chains if they can meet buyers’ requirements on price, quality and delivery. Nevertheless, the success of these initiatives will depend on implementation, private-sector investment, access to financing and broader economic conditions. The number of new jobs created and the scale of additional investment will need to be assessed using subsequent economic and employment data. Malaysia’s 2027 Budget places domestic shipping, local business growth and workforce skills among its priorities. Whether these proposals translate into stronger industrial capacity and more skilled employment will become clearer as the measures are implemented. Sources Malaysia Ministry of Finance — 2027 Budget Speech Prime Minister’s Office of Malaysia — The Fifth MADANI Budget 2027 Bernama — Reporting on MISC’s maritime training proposals Publication verification note: Before publication, confirm the final tax provisions, eligibility criteria, implementation dates and financing conditions against the official budget documents and relevant government guidelines. Distinguish announced proposals from measures that have formally taken effect.

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Thalapathy Vijay Visits Vijayawada, Meets Chandrababu Naidu
Andhra Pradesh

Thalapathy Vijay Visits Vijayawada, Meets Chandrababu Naidu

Tamil Nadu Chief Minister Vijay visits Vijayawada, offers prayers at Kanaka Durga Temple and meets Andhra Pradesh CM Chandrababu Naidu. Thalapathy Vijay’s Visit Sparks Excitement in Vijayawada Holds Key Talks with Chandrababu Naidu By News National Editorial Team Vijayawada, October 13, 2026: Tamil Nadu Chief Minister and actor C. Joseph Vijay, popularly known as Thalapathy Vijay, drew significant attention during his visit to Vijayawada, Andhra Pradesh, on Tuesday. His visit included a darshan at the Sri Kanaka Durga Temple, a meeting with Andhra Pradesh Chief Minister N. Chandrababu Naidu, and participation in the Vijayawada Utsav 2.0 celebrations. The visit attracted public interest, with fans gathering to welcome Vijay at Gannavaram Airport. His trip also brought attention to discussions between the two states on water-related issues and opportunities for continued cooperation. Fans Welcome Vijay in Vijayawada Vijay arrived in the Vijayawada region by a special aircraft on October 13. His arrival drew crowds of supporters eager to see the actor-turned-politician. Security arrangements were put in place around key locations associated with his visit. The trip attracted additional attention because of Vijay’s dual role as a prominent film personality and Tamil Nadu’s chief minister. His visit also highlighted the cultural and political connections between Andhra Pradesh and Tamil Nadu. Vijay Offers Prayers at Kanaka Durga Temple During his visit, Vijay offered prayers at the Sri Durga Malleswara Swamy Varla Devasthanam, popularly known as the Kanaka Durga Temple, located on Indrakeeladri Hill in Vijayawada. The temple is one of Andhra Pradesh’s major pilgrimage destinations and attracts large numbers of devotees throughout the year. Vijay’s visit drew interest from devotees and fans, particularly during the festive season. Water Issues Discussed with Chandrababu Naidu Vijay met Andhra Pradesh Chief Minister N. Chandrababu Naidu during the visit. According to media reports, discussions included water-related matters involving the two states, including the proposal to supply Krishna River water to Chennai and broader river-linking initiatives. Water management and inter-state cooperation are important issues for southern India, where the allocation and use of river water affect agriculture, drinking-water supplies and urban development. However, discussions between political leaders should not be interpreted as a final agreement. Any new water-sharing arrangement or project commitment would require confirmation through official statements and the relevant administrative processes. Vijay Participates in Vijayawada Utsav 2.0 Vijay also participated in Vijayawada Utsav 2.0 at Punnami Ghat on the banks of the Krishna River, alongside Chandrababu Naidu. The festival showcases the region’s cultural heritage through artistic performances and public events. Vijay’s participation added prominence to the programme, with reports indicating that he addressed the audience in Telugu and received an enthusiastic response. The event forms part of efforts to promote Vijayawada’s cultural identity and attract visitors to the city. The combination of the festival and the festive-season crowds brought additional attention to the city’s public celebrations. Security and Traffic Arrangements The arrival of a high-profile political leader, alongside ongoing festive activities, required coordination around the airport, temple and event venue. Visitors travelling to Vijayawada were advised to check current police and traffic advisories before setting out. Authorities typically adjust traffic arrangements around major public events to manage crowds and maintain access for emergency services. Travellers should rely on official local announcements for information about road closures or diversions. What Vijay’s Visit Means for Andhra Pradesh–Tamil Nadu Relations Vijay’s visit combined religious, cultural and political engagements. His meeting with Chandrababu Naidu provided an opportunity to discuss issues of mutual interest, while his participation in Vijayawada Utsav brought a cultural dimension to the programme. The next developments to watch include any official statements on the water-related discussions and further details about cooperation between the two states. For now, the visit has drawn attention to Vijayawada as a centre for public events and political engagement. The practical implications of the discussions will become clearer if the governments announce specific decisions or follow-up measures. Sources India Today — Vijay’s Vijayawada visit and reported water-related discussions ThePrint, carrying a PTI report — Vijay offers prayers at Kanaka Durga Temple TV9 Telugu — Chandrababu Naidu and Vijay at Vijayawada Utsav  

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