Finance

Category - Finance

Govt may miss disinvestment for the fifth time

There is very little possibility that India will be successful in raising even half of its target income from the planned sale of government ...

RBI's opinion - Just like taking interest on loan, double interest on deposits too

The Reserve Bank of India wants something that will benefit all bank customers...

GST notice of Rs 1 lakh crore to online gaming companies

In a major effort to curb the tax evasion, show cause notices worth Rs 1 lakh crore have been issued to online gaming companies...

What is the IPO gray market and how is the price decided?

The gray market is an unofficial market for financial securities and its trading typically occurs when a stock is suspended...

No plan or intent of re-circulating the Rs 1000 note - RBI

The Reserve Bank of India on Friday reported that 87 percent of the Rs 2,000 notes have been returned till September 30...

SIP can change your destiny, Invest 5K, 8K or 10K per month and become a millionaire

Everyone dreams of becoming a millionaire, but very few get success in it...

16,000 crore SIP investment for the first time, decline in equity investment

The investment in mutual funds through the Systematic Investment Plan is getting popular day by day in India...

This month of October also full of IPOs

The month of September witnessed good response for the capital raising through IPOs...

New Higher Education Commission to replace UGC, AICTE, NCTE

Indian Government on Wednesday announced that there will be only one regulating body for higher education in the country instead of UGC, AICTE and NCTE....

Investment advisers should be registered with us: SEBI Chairperson

These days on social media, one can be seen openly calling themselves Investment Advisors and giving advice to investors....

RBI cancels license of 113-year-old co-operative bank in Maharashtra

India's central bank Reserve Bank of India (RBI) has taken a major action by revoking the license of Nagar Urban Co-operative Bank....

Credit cards making inroads, spending on all time high

The trend of spending through credit cards is increasing rapidly in the country and has reached a record level...

Dominance of one or two members of big banks not right: RBI

RBI has adopted a strict stance with regards to the unwanted dominance of one or two big commercial banks in the system...

Despite the risks, investment in MF increased by 24.8% in 3 years

With Mutual Funds becoming increasingly popular, bank deposits are facing tough competition...

SBI's Gandhigiri: To remind defaulters to pay their EMIs by sending chocolates

If you are a customer of State Bank of India (SBI)- the country's largest government bank...

RBI's decision brings stock market cheer, 1.82 lakh crore benefit to investors

The Indian stock market witnessed a boom on the last day of this week on Friday with railways, power and banking stocks witnessed heavy buying...

RBI to remove incremental CRR in one month, benefit to banks and customers

The Reserve Bank changes the monetary policy from time to time, Many times the amount of cash increases rapidly at a particular time...

Know the difference between Short, Mid and Long term investment

Whenever it comes to investment, people always think about the time for which they need to park their money...

Loan of banks on real estate sector increases to a record Rs 28 lakh crore in July

Bank loans to the residential and commercial real estate sector has exponentially increased by 38 percent on an annual basis in July...

SEBI to rein in financial 'influencers' to give accurate information to investors

To provide accurate and unbiased information to investors, market regulator SEBI is preparing to curb financial 'influencers...

There are several other investment instruments other than PPF and FD

It is also very important to invest your savings in some place that gives excellent returns...

Atal Pension Yojana: Rs 5,000 will be available in 210 rupees

The specialty of 'Atal Pension Yojana', which was started in the name of former Prime Minister of India and Bharat Ratna Atal Bihari Vajpayee...

Income tax refund to get more quickly in 10 days only

The Revenue Department is working on expediting the processing and payment of tax refunds and reducing the period from 16 days to 10 days...

EPFO can invest more of your funds in the stock market

The Employees' Provident Fund Organization (EPFO) wants to reinvest the income from exchange-traded funds (ETFs)...

What is Vishwakarma Kaushal Samman Yojana...

Prime Minister Narendra Modi hoisted the tricolor flag on the ramparts of the Red Fort on the occasion of Independence Day...

Market value of 7 out of top-10 companies fall significantly

In a very interesting scenario, the market cap of 7 out of the top 10 companies of the country have suffered a loss...

Small Investment in PPF can turn you into Crorepati

Although there are many investment instruments available for long term investment...

Govt coffers full, direct tax collection of Rs 6.53 lakh crore till August 10

Here is a good news on the economic front of the country as there has been a record increase in direct tax...

Taxpayers number increasing

After deadline for personal income tax filing in the country ended on 31 July 2023...

Income tax department offering giving jobs

The Income Tax Department these days is looking for young professionals having knowledge about the subjects of their work...

In a first, Income tax department offering jobs

The Income Tax Department these days is looking for young professionals having knowledge about the subjects of their work...

Be careful while replying to Income Tax notice

If any notice from the Income Tax department has landed at your doorstep regarding some clarification...

Festive season of IPO begins before festive season

Even before the arrival of the festive season in the country, a festive atmosphere has already been created in the stock market...

Stock Market: Awaiting Reserve Bank's signal

There may be ups and downs in the stock market this week. According to analysts, next week the first quarter (Q1FY24 i.e. April-June) results of 1800 companies...

ICICI Bank loses Rs 1,033 crore due to Chanda Kochhar's decision- CBI's chart sheet

The charge sheet filed against ICICI Bank's former MD and CEO Chanda Kochhar, her husband Deepak Kochhar and Videocon founder Venugopal Dhoot ...

CTI wants guidelines on levying service charge, writes letter to the FM

Writing a letter to the Finance Minister of India, The Chamber of Trade and Industry (CTI) has demanded...

PMSBY: Get insurance cover of Rs 2 lakhs for only Rs 20

The Central and State Governments often come up with various schemes for the poor and economically weaker sections...

Want to avail loan on mutual funds? Know its advantages and disadvantages

Mutual funds have become very popular in the last few years and for this mutual fund companies have spent a lot of money on its advertising...

Rs 5,729 Cr lying unclaimed in banks, You can claim if it is your's

Usually every one keeps his/her money in the bank to keep it safe...

US Fed Reserve makes loans even more expensive, what will RBI do?

The US central bank, the Federal Reserve, has once again raised the cost of borrowing by hiking interest rates...

Banks writes-off bad loans worth Rs 2.09 lakh crore

A Right to Information (RTI) reply has revealed that different banks have written off bad loans worth over Rs 2.09 lakh crore...

RBI: Star series notes are completely legal

Next time if you find a banknote with a star symbol (*) in the number panel of notes...

Sensex falls to 900 points, investors lose 33k crores

Stock market investors faced another disappointment on Thursday as the stock market closed with a huge fall due to profit taking...

Income tax notice sent to 1 lakh taxpayers: FM

Union Finance Minister Nirmala Sitharaman has said that IT dept has sent 1 lakh notices for non-filing of returns...

Hurry, last date for filing income tax return fast approaching

The last date for filing income tax return for the financial year 2022-23 (Assessment Year 2023-24) is July 31, 2023 fast approaching...

Earning from youtube video, then be honest to disclose it to IT

If you also earn from YouTube, then this is the high time when you should be careful now...

ITR: Declare correct income if investing in Cryptocurrencies

If you have made profits by investing in virtual digital assets like cryptocurrencies or non-fungible tokens in FY 2022-23...

GST Council's decision on online gaming hits industry

The GST Council's decision to impose 28 per cent GST on casino and horse racing has not gone well with the industry...

GST Council 50th Meet Decisions: What is cheap, what is expensive?

The decisions taken in the GST Council meeting, chaired by Finance Minister Nirmala Sitharaman...

Big decision: ED will prosecute GST cheaters

The Central Government has taken a major decision to curb the GST Scam...

Customers can choose the card network while buying a debit-credit card

The Reserve Bank of India has issued a draft circular regarding the norms for issuance of debit, credit and prepaid cards...

FD Rates: Several banks offering more than 9% interest on FD

Home sales within Mumbai Municipal Corporation (BMC) limits have added to the state government's coffers...

Maharashtra gets Rs 804 crore revenue as sale registration

Home sales within Mumbai Municipal Corporation (BMC) limits have added to the state government's coffers...

Good Days Ahead for Banks, NPA lowest in 10 years

The financial condition of the banking sector in the country is continuously getting better than ever before...

RBI fined crores on seven co-operative banks including Axis Bank

Showing the sign of imposing strict rules and regulations, the Reserve Bank of India has imposed heavy fines on 10 banks...

Apple to launch its first credit card in India, HDFC could be partner

Apple will soon launch its first credit card 'Apple Card' in India and for this venture Apple is planning to partner with HDFC Bank to introduce...

72% of Rs 2000 notes worth Rs 2.62 lakh crore returned to banks

After the announcement of withdrawal of 2000 rupee notes by RBI, 72% of 2000 rupee notes have been deposited or exchanged in designated banks...

Credit cards number in India reaches a record of 8.65 crores

While the Indian government is focusing on digital transactions in the quarters and transactions through UPI are on the rise...

SBI to launch scheme to encourage green housing projects

Now the interest on Home Loan is higher than before as the Reserve Bank of India has revised the Repo Rate several times...

Effect of withdrawing Rs 2000 note, hard cash gradually depleting from market

After the announcement of withdrawal of 2000 rupee notes by RBI, the cash in the market is continuously decreasing...

Union govt to get huge dividend from companies, 63K expected

The Union Government will get huge earnings in the form of dividend from the listed Public Sector Undertakings (PSUs)...

RBI denies crores of ₹ 500 notes missing from the economy

The Reserve Bank of India (RBI) has denied that the matter of missing ₹ 500 notes worth ₹ 88,032 crore from the system is incorrect...

​Know something about high interest FDs

The Reserve Bank of India (RBI) had increased the repo rate in the last few months to curb the rising inflation in the country...

​CBI books ​IL&FS for ​allegedly ​defrauding 19 banks

The CBI has registered a case against a total of six people for defrauding 19 major banks in the country by the IL&FS company to the tune of Rs 6,524 crore...

PLI scheme to fail: Claims former RBI governor Raghuram Rajan

Former Reserve Bank of India (RBI) Governor Raghuram Rajan has raised questions on the PLI scheme...

Fraud cases increase in banks, but the amount decreases

A total of 13,530 cases of fraud have been reported in government and private banks in 2022-23...

Flaws in corporate governance of some banks a matter of concern – RBI

Reserve Bank of India has come to the notice that some banks have tried to hide the actual position of their stressed assets...

SBI receives Rs 2,000 notes worth Rs 14,000 crore

Ever since, RBI has started recalling Rs 2000 notes, the SBI has received Rs 2000 notes worth Rs 14,000 crore as deposit...

Income tax department sent notice to unicorn companies for unaccounted investment

The Income Tax Department has sent notices to dozens of startups, including some leading unicorns...

PPF can shape your child's future too

Public Provident Fund (PPF) is such a government scheme that everyone is eager to open and everyone also recommends it...

Government's plan to give all the covers in a single insurance policy

Insurance sector regulator IRDA is working on bringing out a single policy that will cover health, life and property insurance and if this happens...

Govt gearing up to implement five day working in banks

Till now banks were closed only on the second and fourth Saturdays of the month...

Bad loans fall for the 5th consecutive quarter

With the passage of time, continuous improvement is being seen in the Indian banking sector and it seems that good days are about to come...

Big changes to take place from 1st June

On the first day of every month there are some changes in the country...

What will RBI do with returned 2000 notes?

The Reserve Bank of India has announced the decision to withdraw the Rs 2000 note from circulation and due to this...

Villages outpace cities with 25 percent share in UPI payments

There are very few such opportunities when the village goes ahead of the cities and such is the case when villages have overtaken cities...

3 banks and 2 NBFCs caught red handed by RBI, to pay heavy fine

The Reserve Bank of India has fined 3 banks and 2 NBFCs for violating regulatory norms...

How a note is printed and then phased out

The Reserve Bank had stopped the printing of currency notes worth Rs 2000 a long time ago and now the 2000 rupee notes...

Rural economy getting back on track, demand for business loans goes up

There are some signs showing the Indian economy coming back on track in the rural areas...

RBI continues buying gold, reserves jumps by 79%

You will remember that in 1991, when India did not have foreign currency for imports, India had to pledge 67 tonnes of its gold...

Banks raise Rs 4 lakh crore in 15 days as interest rates on deposits goes up

For the last several months, the gap between the credit and deposits of the banks was increasing...

After Rahul Gandhi's promise of one tax rate, will GST become a big election issue?

Tax Authorities have prepared to send notices to 16 insurance companies as it feels that these 16 insurance companies have not paid tax...

16 insurance companies on tax department's radar

Tax Authorities have prepared to send notices to 16 insurance companies as it feels that these 16 insurance companies have not paid tax...

Direct Tax Collection: Government misses the estimate, up by 17.63 percent

There has been a huge increase in direct tax collection in the financial year 2022-23 and what makes it more interesting...

Two more life insurance companies come in India

Insurance Regulatory and Development Authority (IRDAI) has approved the insurance license of 2 new companies in India...

Major changes to take place from April 1, 2023

The new financial year 2023-24 will start from April 1 and lots of rules will change in this financial year...

SEBI to bring new mechanism to prevent fraud and market abuse

In a meeting on Thursday, the board of market regulator SEBI went through several proposals...

Digital loans worth Rs 22 lakh crore disbursed in one year

India's booming digital lending business is stoking demand for a new breed of startups and the consumer loan culture...

UPI Transactions Over ₹ 2,000 To Attract 1.1% Fee, But Customer Won't Pay

The National Payments Corporation of India (NPCI) said that using Prepaid Payment Instruments (PPIs) for transactions more than Rs 2000 through UPI...

EPFO hikes interest rate by 0.05%, your PF to get 8.15% interest in 2022-23

Here is good news for provident fund account holders, as the Indian government has hiked the interest rate on deposits in PF accounts...

Banks will not have any holiday till March 31, to work on Sunday also

Only a few days are left for the end of the financial year 2022 2023 and April 1...

Coin minting is 6 times more expensive than printing notes

Have you ever wondered how much it would cost to print notes and coins? The Reserve Bank does the work of printing notes and minting coins...

Only few days left to save tax: Invest money in National Savings Certificate Scheme

Last date for the investment ie 31 March to save taxes is fast approaching and therefore...

UBS buys sinking Credit Suisse bank

Switzerland's largest bank UBS Group AG has bought troubled Credit Suisse bank. According to reports...

Are you taking '2 minute loan', know the risks

When needed, almost every person has to take a loan sometime or the other to meet his financial needs...

IREDA IPO: Government again in the market, IREDA's IPO approved

The government is preparing to enter the capital market once again...

Now you can claim insurance even without being admitted to the hospital for 24 hours

There has been good news for the patients who want medical claims but they have to get themselves admitted in hospital for at least 24 hours...

Shaktikanta Das becomes the 'best governor of the world'

Reserve Bank of India (RBI) Governor Shaktikanta Das has made the country proud across the world as he has been given the 'Governor of the Year' award...

11 banks to infuse $30 billion in capital to save First Republic Bank

To save the First Republic of America from drowning, 11 big banks of America have come together to rescue it ...

Fear of fall in stocks, mutual funds slow down investment

At present something is going on in the market which was already expected...

Indian banks unaffected by the US banking crisis

For a few months, Indian banks have been performing better than foreign banks...

Investors lose Rs 8.5 lakh crore in 5 days, Sensex falls 344 points

The Indian stock market saw a decline for the fifth consecutive trading day on Wednesday as it fell by 344 points to close at 57,556...

Now more interest on FD in SBI: Interest available from 3% to 7%

State Bank of India (SBI) has increased the interest rates on Fixed Deposits (FD)...

RBI issues directives to banks offering digital loans

The Reserve Bank of India has taken a major decision on digital lending companies and has directed to provide complete information...

Stock market: Rs 1.33 lakh crore loss to investors

The Indian stock market ended lower on the last trading day of the week ending on Feb 17, 2017...

RBI's spree to buy gold continues, 754 tonnes reserves

It is a very old saying that gold comes in handy in times of crisis and this is why many people keep gold as collateral in hard times...

Well done India… new record of tax collection, government bag full of 15 lakh crores

The effect of the Modi government's efforts to increase the tax collection is now visible...

7-5-3-1 Rule: Easy way to invest in equity through SIP

One of the easiest ways to invest in equities is through a Systematic Investment Plan (SIP), but many of us still overcomplicate it...

Take job insurance cover in this era of retrenchment

There is a bad phase of retrenchment in companies all over the world and companies are laying off employees...

Intelligence watch over budget preparation, no phone or contact with the world

Union Finance Minister Nirmala Sitharaman is going to present the country's budget on February 1...

Black Friday for the stock market, investors lost Rs 7 lakh crore

Friday's trading session has proved to be 'Black Friday' for the Indian stock market as after Thursday's holiday...

Exemption can be given in the old system of tax, current limit is 2.5 lakh

When Finance Minister Nirmala Sitharaman will present the country's budget next week on February 1...

Bumper earnings of public sector banks including SBI

the government has been infusing capital into the banks by making a provision of a certain amount in the budget...

SEBI investigating Nippon Mutual Fund and Yes Bank, decision soon!

Market Regulator SEBI has been investigating Nippon Mutual Fund and Yes Bank in case of misappropriation of investors...

Govt issues income tax refund of Rs 2.40 lakh crore

Giving relief to the lakhs of taxpayers of the country...

Gift before budget: Senior citizens above 75 years do not need to file income tax

Before the budget, the Union Government gave a big gift to the senior citizens...

Govt gift on new year, now small schemes to get more interest

The Central Government has increased the interest rates of several small savings schemes including Senior Citizen Savings Scheme and Time Deposit...

Spending someone else money money landed in your account mistakenly could cost you dear

If suddenly money pours into your account from somewhere then you are advised not to spend it considering it as your own...

Rs 17 billion deposited in Sri Padmanabhaswamy temple's bank account

Most of the temple trusts, mostly Hindu temples, in the country rarely disclose the cash amount stashed in its bank account...

NPA of banks at 5% level, lowest in seven years

RBI has released the Financial Stability Report in which it has been found that there has been a decline in the NPAs of the banks...

Withdrawn from ATM without ATM card

As of now people are on the impression that Debit cards are mandatory to withdraw cash from ATM machines...

57% employees expect salary hike of more than 12% next year

57% of employees expect a salary increase of more than 12% next year despite headwinds such as global economic slowdown...

GST: Tax evasion up to Rs 2 crore no longer a criminal offense

In the meeting of the Goods and Service Tax (GST) Council...

Foreign exchange reserves up by $ 2.91 billion to reach $ 564.07 billion

There has been an increase in foreign exchange reserves for the fifth consecutive week

Digital rupees do not earn any interest

The Reserve Bank of India has recently launched Digital Rupee (e)...

E-Rupee launched in 4 cities, no need to have a bank account and internet

The Reserve Bank of India (RBI) launched the pilot project of retail digital rupee (e-rupee) on December 1...

Sensex crosses all time high of 63,583, Nifty also touches at record high

The stock market once again set new records on the fourth trading day of the week...

HDFC Bank and Canara get permission to do business with Russia in rupees

The Reserve Bank of India has allowed two leading banks of the country...

Banks Write Off Bad Loans Worth ₹ 11 Lakh Crore In Last 6 Years

Banks have written off a loan of Rs 11.17 lakh crore from their books in a period of six years till the last financial year 2021-2...

India's stock market booming on DIIs shoulders, FII lowest in 10 years

Till now it was believed that the boom in the stock markets of India is seen only when foreign investors make investments...

Now ITR can not be filled from these banks

Process of filing income tax keeps changing from time to time. Now most people pay income tax through online banking only...

Know what recession is and when it impacted India ?

Due to rising inflation and continuous increase in interest rates, the risk of economic recession is deepening in America and European countries...

Sensex reaches year's highest level, 17% growth in 6 months

India's stock market has soared amidst global recovery as it was bullish on 11 November by Sensex closing at 61,795...

Stock market gives decent earnings in the month of November-December-Data

The months of November and December usually proved to be great for those investing in the stock market...

Public Sector Bank SBI posts highest-ever quarterly profit of Rs 13,265 Crore

Buoyed by robust loan sales, higher interest income and lower provisions...

Printing cost of one 100 note is Rs 17, Digital Currency to save billions money

After a lot of marathon efforts, RBI has launched digital currency in India coining its name as Central Bank Digital Currency (CBDC)...

Tax evaders informers to get 20% reward, with all secrecy

If you have solid information about tax evaders in the country, then you can earn good money...

No need to keep cash, RBI starts digital currency from today

The RBI has launched the country's first digital currency from November 1, i.e. Tuesday...

Banks offer affordable loans during Diwali

A few days ago, due to the increase in the repo of the Reserve Bank of India...

Big news for those who file GST returns, Deadline for filing extended for September

The Central Board of Indirect Taxes and Customs (CBIC) has extended the deadline for filing Goods and Services Tax (GST) returns...

What an amazing scheme! Invest money once and get a lifetime pension...

If you are also looking for such a scheme (money making tips) in which you keep getting money throughout your life...

Loans becoming more expensive in festive season, three banks hike interest rates

Home, personal and auto loans have become costlier during the festive season as SBI, Kotak Bank and Federal Bank have increased the MCLR...

Stock Market Crashes, Investors lose 4 lakh crores in a day

There was a crash in the stock market for the third consecutive day on October 11...

IDBI Bank's privatization begins, sales to complete by September

The process of privatization of IDBI Bank is in full swing and the bids are likely to be invited by March next year...

RBI to launch e-rupee, concept note on digital currency soon

Soon the domestic currency may be launched in its digital avatar as the Reserve Bank has finally announced...

Everything You Need to Know about Digital Currency

The Reserve Bank of India on 7 October announced that the pilot project launch of digital e-Rupee will be started soon...

Biggest acquisition deal in the history of Indian financial technology cancelled

PayU-owned company Prosus has called off its deal with Indian payments company BillDesk...

GST collection of 1.47 lakh crore in September

There has been an increase in the GST collection in the last month i.e. September...

As Bank loan demand reaches 9-year high, FD interest rates set to increase

Most possibly, interest rates on Fixed Deposits are likely to increase as bank loan demand has hit a nine-year high...

Govt to crack down illegal loan app, Finance Minister directs RBI

The government has taken an important step with the aim of cracking down on the increasing number of illegal loan apps in the country...

Inflation cannot be handled only by Centre: FM Sitharaman

Finance Minister Nirmala Sitharaman said Thursday that inflation cannot be handled only by the Centre and...

Moody downgrades India's growth estimate

State Bank of India (SBI) Chief Economist Soumya Kanti Ghosh has slashed the GDP growth forecast for FY23...

IT Dept issue refunds to 1.97 crore taxpayers till August 31

The Income Tax Department has issued refunds of Rs 1.14 lakh crore to 1.97 crore taxpayers from April 1, 2022 to August 31, 2022...

SBI sending alerts to protect customers from fraud...

If you are also a State Bank of India (SBI) customer and you have also received a message regarding PAN card update to continue using YONO app...

Economy accelerated: GDP growth rate goes up

The government on Wednesday released the Gross Domestic Product (GDP) figures for the April-June quarter (June quarter) of 2022-23...

Now more returns on FD in HDFC Bank, Indian Bank also hikes interest rates

HDFC Bank has increased interest rates on fixed deposits (FDs). Now the customers of this bank will get more interest on FD...

Fastest recovery in 19 years this time in stock market

The Indian stock market has seen the fastest recovery in nearly two decades this days...

Foreign investors invest 22,452 crores in the Indian stock market

Foreign portfolio investors (FPIs) have been buying aggressively in Indian stocks in the first two weeks of August...

ED eye on 10 crypto exchanges for money laundering of thousand crores

Every day some new news comes out about cryptocurrency and the exchanges that trade it...

HDFC hikes home loan interest rates by 0.25%

After RBI recently increased the repo rate by 0.50%, banks have started increasing the home loan interest rate...

SBI April-June Quarterly Result: Bank's profit declined 6.7% to Rs 6,058 crore

The country's largest bank State Bank of India (SBI) on 6 August released the financial results for the first quarter (April-June) of the financial year ...

Atal Pension Yojana: Ample financial security in your old age

The Atal Pension Yojana of the Central Government becoming fast-popular among the people and the number of beneficiaries joining this scheme...

How much money you get back, when a bank sinks, what the rules and regulations say

The banks have been in the news for wrong reasons, giving customers sometimes sleepless nights or getting upset...

How much cash is kept in the house can be a problem?

Big investigative agencies like Income Tax, ED and CBI have raided many places in the past...

After filling the ITR, Now it's turn to verify it

The last date for filing Income Tax Return (ITR) for the financial year 2021-22 has passed and if you have filed ITR...

3.03 crores took benefit of Sukanya Samriddhi Yojana: Govt

Crores of countrymen have joined the Modi government's ambitious Sukanya Samridhi Yojana, brought for the daughter's higher education and marriage expenses...

What is SBI's WhatsApp Banking and how to use it, know about it

Online banking and mobile apps have made the working of banks much easier...

Big financial changes from 1 August

The month of August has started and at least 7 financial changes in your daily life are going to be implemented...