National News
Valentine’s Day 2026 jewellery that will make her very Happy because love deserves something truly timeless.
This Valentine’s, move beyond predictable flowers and chocolates, and choose jewellery that feels personal, thoughtful, and timeless. From heart motifs to modern ribbons and pearls, these Silver 925 pieces are designed to make her feel truly special — because in 2026, meaningful gifts are the ones that last.
Silver Bleeding Love Set
For the one who wears her heart unapologetically.
Designed for women who wear emotion with assurance, this silver set captures connection through form and feeling. The pendant and matching earrings take shape as a tied ribbon, traced with zircons and finished with a striking red heart. This Valentine’s, GIVA brings you All Yours – signature ice-cut stones in soulful shades, because some emotions deserve more than words.
Perfect for: The romantic, expressive, deeply-in-love kind of girl.
Golden Whirl Glow Ring
Playful meets polished
An edgy new design for someone who loves to keep it fun yet classy. This silver ring with gold plating features flowing, whimsical swirls, with selected sections studded with zircons for a soft shimmer.
Perfect for: The girl who mixes cute with cool effortlessly.
Golden Love Pendant
Classic. Cutesy. Goes with everything.
Sometimes, simple really is best. This golden heart pendant is timeless, versatile, and easy to style — the kind of piece she’ll reach for every single day.
Perfect for: Your first Valentine’s gift or a safe-but-beautiful choice
Golden Pearl Pulse Ring
Where romance meets bold design.
This gold-plated ring features a central heart motif anchored by a single lustrous white pearl. One half of the heart is lined with shimmering zircons, while the other has a textured starburst pattern — making love feel effortless and powerful.
Perfect for: Someone who loves statement pieces with meaning.
Rose Gold Unstoppable Love Ring
Double the rings, double the love.
This rose gold ring features a dual-ring design — one ring holds a heart-shaped zircon at the centre, while the other is studded with sparkling zircons. Romantic, modern, and eye-catching.
Perfect for: When you want the gift to scream “I’m serious about you.”
source : GIVA
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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