FRONT PAGE In a surprise, RBI keeps interest rate unchanged 2018 Sabarimala verdict is not the last word: CJI NATIONAL Diamantaire Nirav Modi now a fugitive economic offender New norms to make social media more accountable Citizenship Bill may benefit ‘declared foreigners’ OPINION Have electoral bonds made a bad system worse? A potential seedbed for private profits Behind the rage, Iranians dream of democracy Lessons from Ambedkar Bail basics A strategic pause From ‘Aaya Ram, Gaya Ram’ to ‘Operation Lotus’ More government advertisements BUSSINESS RBI lays down guidelines for payments banks’ SFB licence Clarity on counter cyclical, fiscal steps by Centre will help, says RBI governor Shaktikanta Das India’s forex reserves cross $450 billion for the first time