#dhanteras 2021

[ryzmarket]

Which Countries are the biggest gold consumers in the world in the year 2023?

Which Countries are the biggest gold consumers in the world in the year 2023?

In numerous countries, the yellow metal is additionally viewed as a type of investment as well as is given from generation to generation to be valuable for a rainy day. Continue reading to recognize the listing of five countries with the greatest demand for gold. For numerous years, the general position of gold usage by country has been secure, with China and India in the initial and second positions, respectively. Nonetheless, there are a few countries whose demand for gold has been fluctuating a bit. After the economic crisis of 2009, reserve banks of numerous countries are continuously trying to expand their gold books.

5 Highest Gold Consuming Countries

1. China China is the leader of one of the most gold purchasing nation. China is the globe's top bullion buyer. China being at the top of the list should be of little surprise considering its huge populace. In 2016, China got a lot more gold than India and the United States incorporated purchase. This was largely due to the boost in revenue of the upper class. China's jewelry-related gold demand fell in 2019, and also the disastrous covid-19. Nevertheless. Things changed two years later on, as well as the need for gold got the speed. In 2021, the yearly need for gold in China was 675 statistics tonnes,6 % more than that in 2019. But in 2022, there's a possibility of a stagnation in China's financial growth. However, according to professionals, gold need can be secure as a result of gold rates. But, demand for gold coins as well as bars can rise. In China, the jewelry-related gold demand accounts for 65% of the gold usage in the country.

2. India Next on the listing of greatest gold-consuming nations stands India. China and also India have almost the exact same populace; for that reason, they are at the top of the list. India's love for gold go back a thousand years. Indian families have one of the most considerable private global gold holdings. Celebrations as well as weddings in India are insufficient without gold; as a matter of fact, there are a few festivals like Akshay Tritya and also Dhanteras when it is considered auspicious to buy gold. In 2020, India's yearly need for gold was 464 metric tonnes. In 2022, it raised to a skyrocket of 797 statistics tonnes, the greatest in the past five years. This was primarily fueled by jewelry-related gold demand as a result of celebrations and also weddings. According to the Globe Gold Council's most recent reports, the demand for gold in India will likely dip for the remaining months of 2022. And also for 2022, the prediction by the World Gold Council for the need of gold is someplace in between 800 - 850 tonnes. Recently, the Central government enforced a 5% obligation trek on gold prices. Still, it is doubtful that it will influence the need for gold in countries with the highest jewelry-related gold need, like India.

3. United States Weddings are the main factor for jewelry-related gold need in the United States. The gold wedding band has been the American custom for ages. Nowadays, the United States gold market is appreciating a high renaissance condition with the arrival of numerous developer gold precious jewelry brand names. In the very first fifty percent of 2020, because of the influence of the pandemic on the gold market, the demand for gold was reasonably low in the United States. However at the year's end, the gold demand raised after the lockdown restriction. The main reason is the cash individuals saved from travel and eating restrictions during the pandemic. Wedding celebrations that were delayed and later rescheduled in 2021 were additionally a driving force for the rise in demand for gold. Gold jewelry intake went beyond 149 metric tonnes in 2021 in the USA.

4. United Arab Emirates In 2022's Q1, the demand for gold jewelry was at its ideal in the last 5 years. Among the reasons for the rise sought after for gold in the UAE is the increasing populace as well as the development of the middle class. In the year 2022, for the people of UAE, gold was a leading financial investment choice because of reduced gold prices. In 2019 Q4, the gold precious jewelry usage in the UAE was 11.5 metric tonnes. It jumped to 12,5 statistics tonnes in 2022. Dubai is renowned for being the unique global gold precious jewelry center. According to a 2011 report, the Emiratis have the globe's greatest per capita gold intake. Dubai's Gold Souk Market hosts regarding 300 stores marketing gold precious jewelry.

5. Indonesia Gold holds social significance in Indonesia. Indonesia has the world's biggest gold deposit and also among the globe's biggest cash cow. In 2021, because of the lockdown caused because of the Omicron variant, which reached its peak in February 2021, the gold need fell by 7% to below 6 metric tonnes. Many Indonesian families have exclusive gold holdings. However, the World Gold Council anticipates that due to the joyful purchasing, the demand for gold will boost in 2022. Of the need for gold in Indonesia, 60% is the jewelry-related gold demand.

Fall In the Worldwide Demand for Gold The globe Gold Council has predicted that the demand for gold in the majority of significant gold markets might drop due to a weaker economy. Since the begin of the Covid-19 pandemic, the jewelry-related gold demand has actually considerably reduced. In among the nations with the highest possible need for gold, like china, with the strict lockdowns because of the zero covid policy, the gold need curve saw a sharp decline.

Also, when gold prices enhanced due to the Russia-Ukraine war, people delayed buying gold jewelry; hence, the global demand for gold also decreased somewhere. The elevated gold rates are maintaining possible customers on the sideline. While in India, the price of gold acquiring additionally decreased due to the conditioning of the buck and, weakening of the rupee, hefty import duties on gold.

Gold has always been a safe financial investment option. The global acceptance of yellow metal is past words. Gold is a possession that doesn't corrosion, to make sure that it can be made use of for future investments. Gold has cultural, psychological, and economic worth all around the world. In lots of countries, jewelry-related gold need is generally driven due to practices like religious rituals, marital relationships, and so on.

Also Consider Reading - https://www.tomorrowmakers.com/gold/top-5-countries-highest-demand-gold-article#google_vignette

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[petnews2day]

This Diwali, home loans demand is likely to accelerate despite EMIs getting costlier. Here's why

New Post has been published on https://petnews2day.com/pet-industry-news/pet-financial-news/this-diwali-home-loans-demand-is-likely-to-accelerate-despite-emis-getting-costlier-heres-why/

This Diwali, home loans demand is likely to accelerate despite EMIs getting costlier. Here's why

It needs to be noted that during the festive season, home buyers tend to invest in properties. The upcoming festival is expected to be no different especially currently when the real estate sector has made a strong comeback after the pandemic. Buying affordable homes is likely to pick up momentum. Home loans are one of the mediums for buying a dream house as they eliminate the need for lumpsum cash. Home loans have flexible tenures and reduce the burden of gathering hefty cash to buy houses since you can repay your dues via equated monthly instalments (EMI). Also, there are tax benefits of ₹1.5 lakh applicable on your home loan principal amount under section 80C of IT ACT, among others.

This fiscal year FY23, RBI hiked the repo rate by 190 basis points in the four consecutive policies to 5.9% which forced banks and NBFCs to hike home loan interest rates making EMIs costlier. However, the demand for affordable housing stays robust and the festive season is likely to set a path for strong growth in the sector.

The 5-days Diwali festival will begin on October 22 with Dhanteras followed by Lakshmi Pujan (Main Diwali) on October 24 and to end on October 26 with Bhai Dooj.

According to Sahil Shah – Director, Investments at Certus Capital and Earnnest.me., the real estate sector has made a tremendous comeback after the pandemic. CY2022 is shaping up to be one of the best years for residential sales in almost a decade after prices remained practically flat, in real terms, between 2015 and 2021. Another factor driving people to buy homes is their experience during the lockdown when they were restricted to staying within four walls.

Shah added that “Today, most are looking to buy/upgrade to the best home they can afford. COVID-19 also shifted the focus towards spacious homes, away from densely packed cities. For the more affluent / HNI segment, second homes have emerged as a sought-after option, both from an investment and long-stay use perspective. Finally, there is a certain migration from tier 1 cities to tier 2, as certain sectors embrace, especially tech, embraced remote working.”

Meanwhile, Manish Sheth, MD & CEO, of JM Financial Home Loan believes there are factors that will spark stronger demand for housing loans in the upcoming festive period. He said, “We need to understand that as the Indian economy bounces back above pre-covid levels of activity, the same trend will be seen with consumer spending.”

“We can expect more Indians to be splurging on essentials that will include homes. Homeownership has become a necessity rather than a luxury. If we are to analyse credit growth rates across the different geographies and sectors in India today, it is clear that we are at the start of a long-term upcycle and it seems improbable that demand will wane anytime soon. The monsoon this year has been good and the mood is upbeat among upcountry consumers as well,” Sheth added.

“All these factors will fuel stronger demand growth in housing loans in the upcoming festive period,” JM Financial Home Loan CEO said.

Furthermore, Ravi Subramanian, MD, and CEO of Shriram Housing Finance highlight that the festive cheer is back after 2 years with consumer sentiment being upbeat this festive season. The real estate sector has seen a buoyant demand in the post-pandemic era.

Subramanian said, this trend seems to continue gaining momentum during the upcoming festive season when buyers tend to invest in properties because it is considered to be an auspicious period for home buying. Further, riding on the wave of sustainability and prospective investment, the secondary housing segment has emerged as a sought-after option for buyers. Buyer behaviour across cities have changed and the preference to buying vs renting is a trend we have seen take prominence. Many home buyers due to WFH and flexible working hours have moved to larger premises.

Also, the Shriram Housing Finance CEO added, “We are seeing a consumer shift, where buyers are keen to upgrade from 1 BHK to 2 BHK and 2 BHK to 3 BHK. Further, with flexibility in the place of work, we are also seeing consumers buying or upgrading their residences in their home towns, thus driving up demand in tier 2 and tier 3 cities for affordable home loans in the country. The confidence in future earnings, coupled with the pandemic-induced importance of homeownership, will continue to drive residential sales this festive season in Tier 2/3/4 cities. Shriram Housing Finance is among the top 5 affordable housing finance companies in India and we are expecting demand for affordable home loans this festive season to be 25-30% higher than the last 2 years.”

Here are some of the major banks’ and NBFCs’ home loan rates

SBI home loan rates

SBI is offering a concession of 15 basis points to 20 basis points as a festive campaign offer between October 4, 2022, to January 31, 2023. Under the campaign, the interest rate varies from 8.40% to 9.05%. This is compared to normal interest rates ranging from 8.55% to 9.05% on home loans.

The interest rates are on regular home loans and will depend upon a borrower’s CIBIL score.

ICICI Bank home loan rates

After RBI hiked the repo rate by 50 basis points to 5.9% on September 30th, ICICI Bank followed by increasing its benchmark lending rate.

Currently, a salaried employee at ICICI Bank pays interest rates from 8.60% to 9.35% on home loans up to ₹35 lakh, and from ₹35 lakh to ₹75 lakh. On home loans above ₹75 lakh, the rates vary from 8.60% to 9.45%.

The interest rates are higher by 10 basis points to 15 basis points for home loans to self-employed borrowers.

HDFC home loans interest rates

This NBFC giant offers home loans starting at 8.4% per annum to a maximum of 8.90%. The interest rates are applicable to Home Loans, Balance Transfer Loans, House Renovation, and Home Extensions Loans.

Further, under standard home loans, the NBFC offers 8.60 – 9.10% and 8.65 – 9.15% to women and others on loans up to ₹30 lakh. The rate of interest is between 8.85 – 9.35% for women and 8.90 – 9.40% for others on home loans between ₹30.01 lakh to ₹75 lakh. Meanwhile, on home loans from ₹75.01 lakh and above, the interest rates are 8.95 – 9.45% for women and 9.00 – 9.50% for others.

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[squarwell-breakingnews]

Diwali Gift: Centre announces ad-hoc BONUS for THESE employees; details here

Diwali Gift: Centre announces ad-hoc BONUS for THESE employees; details here

New Delhi: Ahead of the Diwali festival and on the Dhanteras, presents and bonuses are pouring down on the Central government employees. The Union Government announced non-productivity linked bonuses (also known as ad-hoc bonuses) as a huge cheer for the Central government employees. The Centre has approved the payment of an ad hoc bonus for the fiscal year 2021–2022, which is equal to 30 days…

[harpianews]

Dhanteras 2021: How to buy digital gold on Paytm

Dhanteras 2021: How to buy digital gold on Paytm

Buying digital gold is easy and for many it can be less cumbersome and risky than buying real gold. See all about digital gold and why you might want to choose it over physical gold here. One of the platforms on which you can easily buy gold is Paytm. Here’s how to do it and also have a chance to win additional gold worth Rs 5,000 as per new Paytm offers. Step 1: Install and Install Paytm If you…

[doonitedin]

दिवाली के पांच दिन लें इन पकवानों का आनंद, धनतेरस से भैया दूज तक बिखेर

दिवाली के पांच दिन लें इन पकवानों का आनंद, धनतेरस से भैया दूज तक बिखेर

नई दिल्ली : दिवाली का त्योहार दो नवंबर से शुरू हो जाएगा. पहले दिन धनतेरस है. फिर 3 नवंबर को नरक चतुर्दशी यानी कि छोटी दिवाली, 4 नवंबर को दिवाली, 5 और 6 नवंबर को गोवर्धन पूजा और भैया दूज है. अब पांच दिन का त्योहार है और लोगों के घरों में खाने में कुछ स्पेशल न बने तो फिर त्योहार का मजा फीका फीका लगेगा. ऐसे में पांच दिन के मेन्यू में कुछ स्पेशल रेसिपी को शामिल करें. अब चाहे आप पांच तरह के स्नैक्स…

[kuchgkb]

Dhanteras 2021 Muhurat & Shopping time

Dhanteras 2021 Shubh Muhurat For Shopping - धनतेरस से दीपोत्सव की शुरुआत होती है इस साल यह पर्व 2 नवंबर 2021 दिन मंगलवार को मनाया जाएगा। नई चीजों को खरीदने की परंपरा है।  वहीं यदि शुभ मुहूर्त में खरीदारी करते हैं तो उसका शुभ फल प्राप्त होता है।

इस बार 3 ग्रहों की यूति त्रिपुष्कर योग बन रहा है इस युग में खरीदारी करने से 3 गुना अधिक शुभ फल प्राप्त होगा। 

आगे जानने के लिंक ( link ) पर क्लिक ( click ) करे - https://kuchgkb.blogspot.com/2021/11/dhanteras-2021-muhurat-shopping-time-3.html

[topviralnews1]

Diwali : जाने कब है धनतेरस, दिवाली, गोबर्धन पूजा व भाईदूज शुभ मुहूर्त के बारे में

Diwali : जाने कब है धनतेरस, दिवाली, गोबर्धन पूजा व भाईदूज शुभ मुहूर्त के बारे में

Diwali: हिंदू धर्म में कार्तिक मास का विशेष महत्व है। इस माह में कई बड़े त्यौहार आते हैं। हिंदू धर्म की मान्यता के अनुसार कार्तिक माह के कृष्ण पक्ष में त्रयोदशी के दिन धनतेरस (Dhanteras 2021) का त्यौहार मनाते है। धनतेरस के साथ दीपावली के त्योहार शुरू हो जाता है। धनतेरस के बाद नरक चतुर्थी, दीपावली, गोवर्धन पूजा, भाई दूज का त्यौहार पड़ता है। भाईदूज का त्योहार आखिरी तरह होता है। इसी के साथ 5 दिन की…

[tezlivenews]

Tata Motors reports 94% rise in deliveries on Dhanteras

Tata Motors reports 94% rise in deliveries on Dhanteras

Tata Motors has said that its deliveries grew 94 per cent on the auspicious day of Dhanteras 2021. Speaking on the achievement, Tata Motors President, Passenger Vehicles Business Unit Shailesh Chandra said “On the auspicious day of Dhanteras, our deliveries nearly doubled as compared to last year, owing to strong demand for our New Forever range, including the newly launched Punch and the…

[arus-world]

This year, Dhanatrayodashi will be celebrated on 2nd November. It holds great significance since it marks the start of Diwali. On this propitious day, people worship Goddess Lakshmi and Lord Kuber.

The Dhanteras puja is performed during the evening time along with prasad and fresh flowers. Various types of pulses and wheat are also offered. Small footprints depicting the arrival of Goddess Lakshmi are made at the house entrance using vermillion. The priest performs the final aarti.

The Festival of Wealth and Prosperity

Since it’s the festival of wealth, Hindus consider Goddess Lakshmi and Lord Kuber, the treasurer of the world. Devotees pray for the wealth, prosperity, success, and well-being of their close ones.

It is believed that you must purchase something new to welcome happiness and financial stability. Many individuals buy silver coins or gold utensils on this particular day. It is said that anyone who purchases such things will thrive and bring prosperity.

According to Hindu mythology, on this day, Goddess Lakshmi emerged from the ocean along with other treasures amidst the Samudra Manthan, the churning of the sea. Since then, this day has been dedicated to Goddess Lakshmi and Lord Kuber.

[petnews2day]

Festival lending: Banks show preference towards home loans; two-wheeler and travel loans also in demand

New Post has been published on https://petnews2day.com/pet-industry-news/pet-financial-news/festival-lending-banks-show-preference-towards-home-loans-two-wheeler-and-travel-loans-also-in-demand/

Festival lending: Banks show preference towards home loans; two-wheeler and travel loans also in demand

Banks and NBFCs in India witnessed an incremental increase in credit disbursed during the two festive fortnights from September 26 to October 25, 2022, reporting 47% growth in applications processed during this time, according to a report by digital lending platform Lentra.

Banks showed a preference towards wooing home loan customers this festive season with interest rate cuts. Even though RBI hiked the policy rate by 50 bps to 5.90 per cent in September, lenders led by the State Bank of India, HDFC, and ICICI, among others slashed the home loan rates this festive season.

Lentra also reported a surge in home loan applications processed this festive season with most of the demand coming from Tier 2 and Tier 3 towns.

Also Read: Rs 10,000/month deposit for 10 years in this Life Insurance plan to give tax-free Rs 29.47 lakh!

According to the report, as many as 50 financial institutions in India, including HDB Financial services, which are serviced by Lentra, have reported a surge in demand for consumer, two-wheeler, travel, and home loans on the back of an uptick in economic activity.

Lentra covers the entire spectrum of a financial institution’s lending needs, including KYC, compliance, onboarding, servicing, and collections among others. In absolute terms, loan origination volumes on Lentra’s platform rose to more than 5 Lakh applications on Dhanteras alone as compared to the same day in 2021, the report said.

As the economy recovers from the pandemic-induced slowdown, attractive financing options extended by banks during the festive season primarily fuelled the demand.

“An additional push was offered by the absence of restrictions, free movement of people, and relaxed travel guidelines, which led to elevated disbursement”, said Sandeep Mathur, Chief Revenue Officer, Lentra.

Also Read: Digital Rupee: RBI’s Central Bank Digital Currency (CBDC) pilot starts – What should retail users know?

Karthik Srinivasan, Chief Business Officer, HDB Financial Services Lt, says that the festive season started around Dussehra and picked up good momentum around Dhanteras and Diwali.

“All consumer businesses, such as Consumer Durable Loans, Two Wheelers and Auto Loans as well as consumption loans exceeded 2019 festive season volumes. It was also well spread around the 7 – 8 days, rather than sharp spikes around 2- 3 critical days, which is a true reflection of demand stabilising to normalcy post-pandemic period,” said Srinivasan.

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[harpianews]

Diwali 2021 Live Updates: On Dhanteras, Govt urges consumers to buy hallmarked gold

Diwali 2021 Live Updates: On Dhanteras, Govt urges consumers to buy hallmarked gold

Diwali 2021 Live Updates: On the festival of Dhanteras, the government urged people to buy hallmarked jewelery this Diwali. Dhanteras, which marks the beginning of the five-day festival leading up to Diwali, is considered extremely auspicious, and people buy gold and silver in the form of jewelery and utensils on this day. As the government eased the pandemic norms, the Bureau of Indian…

[advanceda2zsolution]

HAPPY DHANTERAS 2021MAY THIS AUSPICIOUS FESTIVAL OF DHANTERAS BRING LOTS OF HAPPINESS & JOY TO YOUR LIFE.

#happydhanteras #happydhanteras2021 #laxmipuja2021 #Dhanteras #dhanteras2021 #dhanteraswishes #dhanvantari #Dhanwantari #advanceda2zsolutionpvtltd #odishashines #Cuttack #OdishaFC #OdishaNews #Odisha

[nisthadhawani]

धनतेरस पर होना है मालामाल तो एक बार कर ले ये उपाय

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हर साल हिन्दू पंचांग के अनुसार कृष्ण पक्ष की त्रयोदशी तिथि को धनतेरस का पर्व मनाया जाता है। धनतेरस से ही दीपावली का पर्व आरम्भ हो जाता है। धनतेरस पर खरीददारी और पूजन अनुष्ठान का विधान होता है। इस तिथि को अत्यंत शुभ तिथि माना गया है। अगर आप चाहते है घर में किसी बात की कोई कमी न धन की भरमार हो जाए ,धन की कोई कमी न हो तो आपको कुछ उपाय जरूर करने चाहिए।  यह सिर्फ एक उपाय आपको एक बार जरूर करना…

[journalistcafe]

धनतेरस पर भूलकर भी ना करें ये गलतियां, वरना उठाना पड़ेगा बड़ा नुकसान

धनतेरस पर भूलकर भी ना करें ये गलतियां, वरना उठाना पड़ेगा बड़ा नुकसान

आज देशभर में धनतेरस का त्योहार मनाया जा रहा है। धनतेरस पर मां लक्ष्मी के साथ कुबेर और धनवंतरी की भी पूजा होती है। इस दिन नई चीजों की खरीदारी से घर में शुभता बढ़ती है। लेकिन धनतेरस पर कुछ खास बातों का ध्यान रखना भी बहुत जरूरी होता है। आइए जानते हैं धनतेरस के दिन कौन सी गलतियां करने से बचना चाहिए। धनतेरस पर क्या नहीं करें- धनतेरस पर आप अपने मित्रों एवं रिश्तेदारों को पटाखे, लोहे का सामान और चमड़े का…

[satta-jodi]

धन की बरसात हो, खुशियों का आगाज हो, आपको जीवन का हर सुख प्राप्त हो माता लक्ष्मी का आपके घर वास हो धनतेरस की हार्दिक शुभकामनाएं!