National News
The Pearl Edit: Thoughtful Mother’s Day Gifting By GIVA
From Elegant Pearl Pendants To Timeless Diamond Accents, GIVA’s Curated Mother’s Day Collection Celebrates The Enduring Grace, Warmth, and Love Of Every Mother With Jewellery Designed To Be Cherished Forever.
For generations, pearls have defined timeless elegance, an evergreen classic that transcends trends and seasons. Effortlessly refined, they carry a quiet sophistication that has remained relevant across eras.
Neither fleeting nor ornamental, pearls embody a kind of understated luxury, graceful, enduring, and always in style.
This Mother’s Day, GIVA celebrates the woman who has always been your constant, the one who showed up quietly, loved loudly, and made everything feel possible. She doesn’t ask for much, which is exactly why she deserves something truly special.
In that spirit, pearls make for a deeply meaningful Mother’s Day gift. Timeless yet modern, they carry a warmth that feels personal, moving effortlessly from everyday moments to cherished milestones. A thoughtful way to say everything words sometimes can’t.
Here are some pearl pieces that make for perfect Mother’s Day gifts.
Golden Stay With Me Pendant With Link Chain
For the mother who has always led with love.
A radiant pearl drop pendant set in gold-plated 925 silver, designed with an elegant lattice motif that blends timeless romance with modern craftsmanship. From the Barkha Singh x GIVA Glow in Motion collection, this piece celebrates intricate CNC artistry while offering a refined statement for everyday elegance.
Gold Pearl Centred Diamond Earrings
Elegant and timeless, these 18K BIS-hallmarked gold earrings feature a delicate circular motif with a luminous pearl at the centre, accented by sparkling lab-grown diamonds below. Designed for everyday luxury, they blend classic sophistication with modern brilliance, making them a graceful statement for any occasion.
Gold Pearl of Fortune Lab Grown Diamond Pendant
A luminous 14K solid gold pendant crafted with a delicate clover of SGL/IGL certified lab-grown diamonds, centred with a softly glowing pearl. BIS-Hallmarked and built to wear every day without ever losing its radiance, it is quietly charmed and effortlessly elegant. A beautiful piece from the Heer by GIVA pearl jewellery collection, made for the woman who carries her own kind of luck.
A graceful pearl necklace crafted in 925 silver with gold plating, featuring a modern arrangement of freshwater pearls that feels effortlessly timeless. Gentle on sensitive skin and adjustable to 41.5 cm + 5.5 cm, it sits beautifully whether layered or worn alone. A refined piece from GIVA’s Pearl Collection, designed to complement every woman with quiet, classic elegance.
Golden Shailene Pearl Necklace
A stunning freshwater pearl and zircon necklace crafted in 925 silver with gold plating, where soft luminance meets brilliant sparkle in a design that feels like a gift in itself. Gentle on sensitive skin and finished with two delicate charms, it drapes beautifully at 40 cm — most radiant when paired with an elegant dress. A timeless piece from GIVA’s Pearl Collection, thoughtfully made for the woman who deserves to feel truly special.
Gift her something as timeless as she is.
National News
NPCI Defers Rollout Of UPI Merchant Discount Rate Until After Diwali
Given Typical Retail Margins Of 2%–6% On Bullion and Plain Gold Jewellery, Absorbing A 0.4% Fee—Or Up To ₹300 Per Large Transaction—Would Have Directly Eaten Into Festive Profitability. The Deferral Keeps Bottom Lines Protected Through Dhanteras and Diwali.
The National Payments Corporation of India’s (NPCI) UPI and Services Steering Committee has deferred the implementation of Merchant Discount Rates (MDR) on select person-to-merchant (P2M) UPI transactions until immediately after Diwali.
The move aims to protect consumer sentiment and keep operational costs steady for businesses during the peak festive shopping season. A specific implementation date will be announced separately.
Key Highlights
- Festive Relief for Retail: The deferment ensures merchants face no additional payment processing costs during peak festive demand, helping avoid disruptions to consumer spending.
- The Approved MDR Structure:
- Applies only to eligible P2M transactions above Rs 2,000 at a rate of 0.4%.
- Capped at Rs 300 for high-value transactions of Rs 75,000 and above.
- Everyday low-value payments and small merchants remain fully exempt, preserving zero-cost digital transactions for general consumers.
- Timeline Adjustment: Originally notified on September 15 for an October 15 rollout, the framework will now take effect post-Diwali, giving banks, payment aggregators, and merchants additional runway to align their systems and communicate terms clearly.
Jewellery purchase values routinely exceed the Rs 2,000 threshold and frequently touch or surpass the Rs 75,000 cap. Given typical retail margins of 2%–6% on bullion and plain gold jewellery, absorbing a 0.4% fee—or up to Rs 300 per large transaction—would have directly eaten into festive profitability. The deferral keeps bottom lines protected through Dhanteras and Diwali.
Introducing transaction fees just as footfall surges would have forced retailers to decide whether to absorb the cost or pass it on to buyers (via checkout surcharges or selective discounts). Avoiding this choice prevents awkward billing counter negotiations and cart abandonment during rush hours.
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