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Life Insurance Corporation: How to pay LIC premium online and through app Top FAQs answered

Life Insurance Corporation: For policyholders who choose either annual, bi-yearly, quarterly or monthly basis, here's how you can pay your LIC premium online through app. We also take a look at the top FAQs answered.

Livemint 4 Jul 2026 10:32 pm

Bullion Cues: Barriers ahead

Traders can exit the longs

The Hindu Businessline 4 Jul 2026 9:43 pm

$212M FIFA World Cup boom: How Airbnb women hosts are earning thousands by opening homes to football fans

The 2026 FIFA World Cup is aiding women hosts in North America to earn from tourism by renting their homes. Many see it as a vital income source amid rising financial pressures, allowing them to cover expenses and invest in personal ventures.

Livemint 4 Jul 2026 9:00 pm

Income-tax returns: Here's how to access, file and submit your ITR-1 form using the official e-filing portal

Income-tax returns: Here's how to access and submit your ITR-1 form using the official e-filing portal

Livemint 4 Jul 2026 8:17 pm

Want to retire early? Achieving FIRE strategy never been easier says this investor We explore the opportunities

Grant Sabatier, author of Financial Freedom, asserts achieving FIRE is increasingly feasible, despite current challenges like inflation and housing costs. For those wanting to retire early, we explore the opportunities

Livemint 4 Jul 2026 6:35 pm

Stock vs MF: Can stock SIPs match the discipline of Mutual Fund investing? Expert on choosing the right strategy

Investors often err by trying to time stock purchases. Stock SIPs allow regular investments in stocks, similar to mutual funds. While they can yield significant returns, they can also backfire. 

Livemint 4 Jul 2026 6:29 pm

Investing discipline beats market predictions: Why experts want investors to ignore the noise

Investing should be calm and research-based, not influenced by social media hype. Experts urge investors to validate sources, consider risks, and focus on data. Maintaining discipline and sticking to personal goals is crucial for long-term success in wealth creation.

Livemint 4 Jul 2026 5:07 pm

Can a 15 lakh FD generate 1 lakh annual income? Here's the simple calculation

A 15 lakh fixed deposit can deliver a steady annual income with the right interest rate. See how a 15 lakh FD can generate around 1 lakh yearly, compare current bank FD rates, and understand the impact of taxes before investing.

Livemint 4 Jul 2026 5:05 pm

8th pay commission to visit Mumbai railway depts for firsthand experience of working conditions What's on the agenda?

8th pay commission: The panel will visit various railway departments in Mumbai to gain firsthand experience of employees' working conditions. On the agenda is observation of daily operations, duties and job risks.  

Livemint 4 Jul 2026 4:59 pm

Doesnt matter if you win, Rafael Nadal on his hotel, sports ventures and what tennis taught him about investing

Doesnt matter if you win or lose, Rafael Nadal on his business ventures and what tennis taught him about investingDoesnt matter if you win or lose, Rafael Nadal on what tennis taught him about investing

Livemint 4 Jul 2026 4:41 pm

Which equity mutual funds topped SIP returns? These AMCs dominated the rankings

Small-cap and mid-cap funds dominated the SIP return charts over three, five and 10 years. The rankings also reveal a handful of AMCs that consistently produced some of the best-performing equity mutual funds.

Livemint 4 Jul 2026 4:23 pm

Senco opens 8 stores in Q1, eyes 12-15 more this fiscal

The company said the quarter's performance came despite elevated gold prices and an increase in customs duty from 6% to 15%

The Hindu Businessline 4 Jul 2026 3:56 pm

DA hike, bonus, minimum wage increase Here's what Himachal Pradesh State Forest Development Corporation staff will get

DA hike: Himachal Pradesh State Forest Development Corporation (HPSFDC) employees are set to receive a 3% hike in dearness allowance, minimum wage hike, and bonus for staff who draw up to 21,000 monthly salary. 

Livemint 4 Jul 2026 3:43 pm

Debt mutual funds: Only 4 schemes delivered over 10% SIP returns in 10 years

Very few debt funds have delivered double-digit SIP returns over the past decade. See which schemes topped the charts over three, five and 10 years.

Livemint 4 Jul 2026 2:37 pm

Gold likely to stay range-bound around $4,100/oz in H2 2026, but upside to $4,500-$5,000/oz if risks intensify: WGC

The report, published in July 2026, said that under current macro conditions, gold may trade +-5 per cent around US $4,100/oz during the second half (H2) of 2026

The Hindu Businessline 4 Jul 2026 1:51 pm

8th Pay Commission: 18,000 to 69,000? Here's the math behind the demand

Employee unions have proposed raising the minimum basic pay to 69,000 from 18,000. Here's a breakdown of the key calculations behind the demand.

Livemint 4 Jul 2026 1:14 pm

Income Tax: Can you claim bad debt deduction during recovery? ITAT explains

The Ahmedabad ITAT has ruled that businesses can claim a bad debt deduction once the amount is written off in their books and statutory conditions are met, even if recovery proceedings are still pending. The Tribunal also allowed the claim as a business loss under Section 28 of the Income-tax Act.

Livemint 4 Jul 2026 10:10 am

How to improve your credit score from 600 to 750 with smart financial habits and better credit management

A stronger credit score starts with smart habits. You can improve your credit score from 600 to 750 by repaying your debt obligations on time, keeping credit utilisation low, avoiding unnecessary applications and checking your credit report regularly for steady financial progress.

Livemint 4 Jul 2026 9:28 am

ITR 2026: Withdrawing EPF before completing 5 years becomes taxable Here's how to report it in your tax return

EPF withdrawals are tax-exempt after five years of service. Early withdrawals are taxable unless in specific situations. Here's how they are taxed and how to report such withdrawals in ITR.

Livemint 4 Jul 2026 9:17 am

EPFO discontinues UAN activation on portal: What PF subscribers should know

EPFO has restored its Unified Member Portal after a major upgrade. However, UAN activation and new UAN generation have moved to the UMANG app. Here's everything PF subscribers need to know.

Livemint 4 Jul 2026 8:54 am

5 red flags investors should watch out for before choosing a financial product

If an investment product promises exceptionally high returns and claims little or no risk to the amount invested, you should consider it as a clear red flag.

Livemint 4 Jul 2026 8:00 am

Sebi open market share buy-back norms explained: Eligibility, timeline and impact

Sebi has approved the reintroduction of share buy-backs through the open market route from 1 August 2026. The buy-back timelines have been reduced, and promoters are not allowed to participate.

Livemint 4 Jul 2026 8:00 am

You can now add, update email to Aadhaar for free: Check how, last date and other details

UIDAI is now allowing people to add or update email IDs to their Aadhaar card directly through the mobile application. The service was enabled on 1 July 2026 and will be free to use for six months.

Livemint 3 Jul 2026 10:34 pm

Temasek Holdings sells 2.37% in PB Fintech via bulk deal

Deal size works out to 1,732.45 crore

The Hindu Businessline 3 Jul 2026 9:12 pm

Central banks bought 41 tonne of gold in May, says WGC

Poland, China, Uzbekistan and Kazakhstan lead the purchases as Warsaw inches closer to its 700-tonne gold reserves target

The Hindu Businessline 3 Jul 2026 9:08 pm

ITR filing 2026: Gifts, inheritance and rural agricultural land sale receipts can now be reported separately

The new income tax form initially lacked a section for certain tax exempt receipts. Now, it includes an additional dropdown for Receipts not in the nature of income. Experts decode what this news head means for taxpayers.

Livemint 3 Jul 2026 8:51 pm

BikeWo to acquire 51% stake in PositiEV mobility

The acquisition is aimed at combining Hyderabad-based BikeWos ambitions with PositiEVs expertise in EV distribution, leasing and infrastructure to create an end-to-end platform

The Hindu Businessline 3 Jul 2026 7:45 pm

Dearness Allowance: Could employees get 3-4% DA hike announcement this month? Here's what the numbers indicate

Dearness Allowance: DA is revised twice a year by the All-India Consumer Price Index (AICPI) to match cost-of-living. Here's a look at the numbers and whether employees could get 3-4% DA hike this month

Livemint 3 Jul 2026 6:46 pm

Brokers call: Indigo Paints (Buy)

SBI Securities

The Hindu Businessline 3 Jul 2026 6:36 pm

Will your PF corpus shrink due to 1,800 contribution cap? EPF-2026 rules bring employer contribution into focus

The central government has introduced the EPF Scheme, 2026, mandating a fixed monthly contribution of 1,800 each from employees and employers. Here's how the new rules may shrink your final provident fund corpus. 

Livemint 3 Jul 2026 6:15 pm

I-T dept allows charitable trusts to seek fresh approval post deadline, taxpayers to get 80G relief

The deadline to apply for fresh approval expired on 30 September 2025. Following this, all the applications made by charitable trusts were rejected purely on the grounds of delay in seeking approval. With the latest circular, the I-T department has provided relief to these charities.

Livemint 3 Jul 2026 5:36 pm

How much retirement corpus do you need if you have 1 lakh monthly expenses now? Experts say it depends on these factors

Retirement planning involves personalized strategies for investing according to risk appetite and anticipated lifestyle changes. Factors like inflation and healthcare costs must be incorporated into calculating the necessary retirement corpus. 

Livemint 3 Jul 2026 5:20 pm

Why reviving the stock exchange on Lyons Range is a tall ask

Metropolitan SE, backed by banks and brokers, struggling to gain market share

The Hindu Businessline 3 Jul 2026 5:17 pm

Chinese firms crash Indias power party as Nifty hits three-day high

Nifty 50 closed at 24,270.85, up 95.15 points, while BSE Sensex rose 261.79 points to 77,763.91

The Hindu Businessline 3 Jul 2026 5:16 pm

EPFO: Documents and errors Here are the top reasons your employees' provident fund claims could be rejected, explained

Employees' Provident Fund Organisation: We take a look at the top four reasons an EPF subscriber's claim for their employees' provident fund may be rejected. Check the reasons here, explained.

Livemint 3 Jul 2026 4:44 pm

4 small-cap schemes delivered over 30% in 3 months. Do you own any?

The small-cap mutual fund category returned an average 22.41% in the past three months, outperforming the Nifty Smallcap 250 TRI. Four schemes delivered over 30%, but only one has a track record that extends beyond five years.

Livemint 3 Jul 2026 4:36 pm

Artha Bharat launches GIFT Citys first physical gold fund with option of gold bar redemption

The launch is also positioned as a potential catalyst for the India International Bullion Exchange

The Hindu Businessline 3 Jul 2026 4:25 pm

Sensex today | Stock Market Highlights: Markets off the day's high, Sensex ended 261.79 pts positive at 77,763.91, and Nifty 50 was up 95.15 pts to 24,270.85

Sensex, Nifty, Stock Price Highlights: Sensex climbs 261.79 points to settle at 77,763.91; Nifty up 95.15 points to 24,270.85.

The Hindu Businessline 3 Jul 2026 4:15 pm

Paytm Europe granted licence by Luxembourg financial authority for credit, funds transfer, payments Here's all we know

Paytm Europe has been granted a payment institution licence by the Luxembourg financial supervisory authority CSSF to conduct credit and funds transfers, and payment transactions. Here's all you need to know

Livemint 3 Jul 2026 3:16 pm

Allcargo Global lists on NSE and BSE after demerger from Allcargo Logistics

AGL houses the groups international supply chain operations

The Hindu Businessline 3 Jul 2026 2:57 pm

ITR 2026: Who must file tax return even if their income is below 4 lakh?

Many taxpayers mistakenly believe they only need to file an income tax return (ITR) if their income exceeds 4 lakh. However, various situations, such as high-value transactions and foreign assets, require mandatory ITR filing regardless of income level. 

Livemint 3 Jul 2026 2:55 pm

IRDAI plans insurance commission overhaul to curb misselling with staggered payouts and stricter transparency rules

IRDAI plans to implement staggered commissions, spreading payouts over the policy term to improve transparency, reduce churn and align distributor incentives with customer needs across Indias insurance market.

Livemint 3 Jul 2026 2:47 pm

Knack Packaging IPO oversubscribed 25.75x on final day; NII category leads at 76.83x

The Gujarat-based company manufactures printed and laminated woven polypropylene bags and serves customers across 68 countries

The Hindu Businessline 3 Jul 2026 2:46 pm

4,764 crore revenue from hydration breaks, 22 crore for a Final ticket: The insane numbers behind FIFA World Cup 2026

The FIFA World Cup 2026 is set to be the most profitable tournament ever, with a prize pool of $871 million and the winning nation receiving $50 million. Ticket prices and broadcasting rights are significantly higher than in previous tournaments.

Livemint 3 Jul 2026 2:40 pm

Todays Gold Rate in India July 3: Gold prices up in Delhi, Mumbai, Kolkata, Bengaluru, Ahmedabad

22, 24 carat Gold prices up across Indian cities on July 3

The Hindu Businessline 3 Jul 2026 2:15 pm

EPF Scheme 2026: PF above 1,800 now voluntary; what changes for you?

PF contributions above 1,800 a month are no longer mandatory under the new EPF Scheme. The contribution rate, wage ceiling and EPF interest rate remain unchanged.

Livemint 3 Jul 2026 1:54 pm

Gold futures increase to 1,47,710/10 gm on spot demand

Fresh positions built up by participants led to a rise in precious metal prices, according to analysts

The Hindu Businessline 3 Jul 2026 1:30 pm

EPS-2026 replaces EPS-95: Eligibility, membership rules, and withdrawal conditions explained

The central government has notified EPS-2026, replacing previous versions. Effective from June 29, 2026, it clarifies eligibility, membership conditions, and pension benefits, while keeping the minimum monthly pension at 1,000 unchanged. 

Livemint 3 Jul 2026 1:26 pm

Nifty holds above 24,350 at noon; IT, Pharma and Financials lead broad rally

BSE market statistics painted an encouraging picture at midday. Of 4,178 stocks traded, 2,217 advanced against 1,721 declines, with 240 unchanged.

The Hindu Businessline 3 Jul 2026 1:10 pm

Adani Enterprises surges near 52-week high after QIP launch and 1.08 lakh crore Aluminium JV announcement

Traded volume stood at 16.62 lakh shares, with a traded value of 524.17 crore

The Hindu Businessline 3 Jul 2026 1:09 pm

VBL shares rise 1.9% after subsidiary merger announcement

The company announced two of its South African subsidiaries Twizza Proprietary Limited and Beverage Company Proprietary Limited (Bevco) will be absorbed into its holding company

The Hindu Businessline 3 Jul 2026 12:58 pm

5 hidden credit card fees that can quietly increase your borrowing costs

Hidden credit card charges can quietly increase your borrowing costs and reduce your savings. Understanding key fees, payment terms and reward costs helps you manage your credit card wisely and avoid unnecessary expenses while making smarter financial decisions.

Livemint 3 Jul 2026 12:54 pm

Sensex sustains over 78,000-mark, Nifty above 24,300 as IT stocks extend rally; HCL Tech jumps

Softer-than-expected US jobs report cools expectations for a Fed rate hike in September, boosts risk appetite for emerging markets

The Hindu Businessline 3 Jul 2026 12:50 pm

LTCG below 1.25 lakh? Why you may still need to file your income tax return

Many investors believe that tax-free long-term capital gains also mean they can skip filing an income tax return. Experts say the 1.25 lakh exemption under Section 112A only determines tax liability, not whether ITR filing is mandatory.

Livemint 3 Jul 2026 12:17 pm

Smart tax planning for retirees: Pensioner ITR 2026 guide to deductions, benefits, and tax regimes

Smart tax planning for retirees can unlock valuable savings in ITR 2026. This guide explains pensioner tax deductions, old vs new tax regime benefits, key exemptions, and essential filing tips to help reduce taxable income and improve retirement finances.

Livemint 3 Jul 2026 11:37 am

SGB redemption July 2026: 8 Sovereign Gold Bond series eligible for early exit

 Investors holding eligible Sovereign Gold Bond (SGB) tranches can opt for premature redemption after completing the mandatory five-year holding period. 

Livemint 3 Jul 2026 10:49 am

Gold heads for first weekly rise in five on easing Fed rate-hike bets

Softer-than-expected US payroll numbers have pushed back expectations for a rate hike in September

The Hindu Businessline 3 Jul 2026 10:41 am

GSP Crop Science discloses ransomware attack on non-core IT systems

GSP Crop Science says its core business applications, ERP systems, manufacturing operations, sales, customer service, and finance functions remain unaffected and are operating normally

The Hindu Businessline 3 Jul 2026 10:32 am

IEX shares rise 1% as Q1 FY27 electricity traded volume climbs

IEX records electricity traded volume of 37,534 million units in Q1 FY27, up 15.9% y-o-y

The Hindu Businessline 3 Jul 2026 10:24 am

HCLTech shares surge over 4% on $1.14-billion deal win

Despite todays rally, the stock is down 31.25% year-to-date and 34.36% over the past year, significantly underperforming the Nifty 50

The Hindu Businessline 3 Jul 2026 10:23 am

Angel One shares up as gross client base grows

Angel Ones average client funding book touches 6,783 crore in June, rising 7.5% m-o-m from May 2026 and 44.1% y-o-y from June 2025

The Hindu Businessline 3 Jul 2026 10:14 am

Coal India shares flat after June coal supplies rise

Coal Indias overall supplies rose 7.5% y-o-y to 65.8 mt in June FY27, compared with 61.2 mt in the corresponding month last year

The Hindu Businessline 3 Jul 2026 10:05 am

Gold, silver prices today, 3 July: Check retail rates of 24K, 22K gold, 999 silver in Delhi, Mumbai and Kolkata

Gold and silver prices today, 3 July: Check the latest 24K, 22K gold and 999 silver retail rates across Delhi, Mumbai, Kolkata and other major Indian cities, along with MCX market updates.

Livemint 3 Jul 2026 9:33 am

EPFO introduces 3-day PF claim settlement: What it means for subscribers

EPFO has introduced a three-day timeline for settling eligible PF claims as part of a broader overhaul of its services. The reforms also simplify withdrawals, expand auto-settlement and pave the way for more digital member services.

Livemint 3 Jul 2026 9:25 am

TDS on rent paid to joint owners explained: How the 50,000 threshold applies per landlord under Section 194IB

Clarity on TDS on rent paid to joint owners shows the 50,000 threshold applies per landlord, not per property. Joint ownership rent splits decide tax deduction, ensuring accurate compliance under Section 194IB and avoiding unnecessary deductions.

Livemint 3 Jul 2026 8:27 am

Indian shares to open higher on easing Fed rate-hike bets

GIFT Nifty futures were at 24,414, as of 7:43 am, indicating the Nifty 50 could open above Thursdays close of 24,175.7.

The Hindu Businessline 3 Jul 2026 8:01 am

Sensex today | Stock Market Live Updates: Stock to buy today: Adani Energy Solutions(1,556.50)

Sensex, Nifty, Stock Price Live Updates: Traders can go long now at 1,556 and buy more shares at 1,460. Place initial stop-loss at 1,420

The Hindu Businessline 3 Jul 2026 7:10 am

Pay only for the kilometres you drive: How PAYD insurance works

If you drive infrequently, a pay-as-you-drive (PAYD) policy could significantly lower your car insurance premium. Here's how it works, who should opt for it, and the risks to watch for.

Livemint 3 Jul 2026 7:01 am

8th Pay Commission: Odisha and West Bengal meetings take centre stagetop 5 updates you must know

The 8th Pay Commission is entering a crucial stage, with stakeholder meetings being held in Odisha and West Bengal to discuss salaries, pensions, allowances, and the fitment factor.

Livemint 3 Jul 2026 6:44 am

I asked ChatGPT how rich Indians must become for the country to be developed; an expert adds what AI missed

I asked ChatGPT how rich Indians must become for the country to be considered developed. We then compared the responses to what Axis Bank's chief economist Neelkanth Mishra said on the matter. Here's a look...

Livemint 2 Jul 2026 10:45 pm

Working for a foreign client or firm while living in India? Don't miss this form to avoid paying income tax twice

Working for a foreign client means income may be taxed in both the foreign country and India. However, Indian residents can claim foreign tax credit by filing Form 67. Details here.

Livemint 2 Jul 2026 9:05 pm

Brokers call: Tata Motors PV (Add)

Yes Securities

The Hindu Businessline 2 Jul 2026 8:37 pm

Adani Enterprises launches 10,000-cr QIP, sets floor price at 3,034.68 a share

The proceeds will also be used to repay or prepay outstanding borrowings of Adani Enterprises and its subsidiaries

The Hindu Businessline 2 Jul 2026 8:23 pm

Brokers Call: Ujjivan SFB (Buy)

SBI Securities

The Hindu Businessline 2 Jul 2026 8:00 pm

New EPF Scheme 2026 comes into effect: Here's what changes and what remains the same for EPFO subscribers, explained

The government's new EPF Scheme 2026 has come into effect as part of the Social Security Code 2020. Today, we explore and explain how and what has changed for EPFO subscribers and what remains the same.

Livemint 2 Jul 2026 7:36 pm

EPS-2026 rules: Will you get pension if you leave your job before completing 10 years of service?

The central government has implemented EPS, 2026, replacing older pension schemes. Key provisions remain intact, but questions about eligibility for employees leaving before 10 years persist. Here's what the new rules say.

Livemint 2 Jul 2026 6:37 pm

Gold rebounds 3,000 to 1.47 lakh/10g as weak US dollar revives bullion demand

Traders said gold recovered after two sessions of losses following a rally in the overseas markets, while silver continued to gain on sustained industrial and investment demand

The Hindu Businessline 2 Jul 2026 5:37 pm

EPS-2026 replaces EPS-95: Does the 1,000 minimum pension continue? Here's what has changed

The Centre has introduced the Employees' Pension Scheme (EPS), 2026, replacing older versions. While procedural changes have been made, the minimum monthly pension remains fixed at 1,000, unchanged since 2014.

Livemint 2 Jul 2026 5:18 pm

IT sector leads Dalal Street's winning streak; crude slump, Japan deals lift sentiment

The Nifty 50 closed at 24,175.70, up 0.71 per cent, while the Sensex gained 0.75 per cent to settle at 77,502.

The Hindu Businessline 2 Jul 2026 5:15 pm

Merchant, arbitrage flows extend rupee's losing streak even as dollar slumps

The currency ended at 95.3925 against the dollar, down 0.1% from its previous close

The Hindu Businessline 2 Jul 2026 4:35 pm

Bajaj Auto's 5,632 crore buyback: How will your buyback proceeds be taxed?

Bajaj Auto's 5,632.8-crore share buyback will be taxed under the new capital gains framework that came into effect on April 1, 2026, changing how shareholders report and pay tax on shares accepted in the buyback.

Livemint 2 Jul 2026 4:19 pm

Mis-sold insurance? How to challenge a forced insurance policy sold as an FD

If an insurance policy has been issued without informed consent or through misrepresentation, the policyholder has the right to challenge the transaction.

Livemint 2 Jul 2026 4:14 pm

8th pay commission: Here's how much minimum estimate of 1.83 fitment factor can hike salaries for employees

8th pay commission: With discussions underway, we calculate how much of a salary hike the minimum estimate of 1.83 fitment factor could provide for central government employees and pensioners. Here's a look

Livemint 2 Jul 2026 4:12 pm

Why Schedule FA is about complete disclosures, not precise valuations

Indian residents with foreign stocks, employee stock ownership plan or bank accounts must disclose them in Schedule FA regardless of whether they were sold. 

Livemint 2 Jul 2026 4:05 pm

Why every loan default deserves a different recovery strategy

AI and behavioural data can help lenders tailor debt recovery to each borrower's circumstancesimproving repayments while replacing aggressive collections with more empathetic engagement.

Livemint 2 Jul 2026 4:05 pm

How ITR will decide motor accident compensation: SC issues new guidelines for salaried, self-employed and non-filers

The Supreme Court clarified income assessment for motor accident compensation, addressing salaried and self-employed individuals, and non-filers. Details here.

Livemint 2 Jul 2026 3:57 pm

Income tax refund: Why you may receive less than the amount claimed in your ITR

The refund amount calculated while filing your ITR is not always the amount you'll receive. Here's why the Income Tax Department may issue a lower refund after processing your return and what you should do if the amount doesn't match

Livemint 2 Jul 2026 3:44 pm

EPFO reforms 2026: 20-day claim settlement, real-time tracking and key changes explained

Digital-first shift transforms retirement services. EPFO reforms under the new 2026 social security schemes introduce strict 20-day claim settlement timelines, real-time tracking, and digital compliance, improving transparency, accountability, and faster processing of pension and PF benefits.

Livemint 2 Jul 2026 3:18 pm

Top 5 overnight funds based on 1-year returns: Bank of India Overnight Fund leads with 5.59% return

Based on one-year CAGR performance, Bank of India Overnight Fund emerged as the best-performing scheme in the category with 1-year return of 5.59%, followed by Franklin India Overnight Fund and Bajaj Finserv Overnight Fund.

Livemint 2 Jul 2026 2:33 pm