Sunday, March 31, 2019

NPS,PPF AND SUKNYA SAMRUDHI YOJNA RELATED NEWS REPORT

The NPS or also known as National Pension Scheme is managed by the PFRDA or the Pension Fund Regulatory and development authority. It is a pension scheme which helps the retiree to fulfill different retirement needs. It is the cheapest retirement plan that is available in the Indian subcontinent. The National Pension System was first introduced in the year 2004. The major aim of the NPS has always been to instill the habit of savings for the retirement phase among senior citizens of the country.National Pension Scheme is of two different types – Tier I and Tier II. These two accounts are completely different and here is some important information about these.

Tier I account – this is the basic NPS account which has limited withdrawals and here the two types of withdrawals that can be considered.

When the contributor reaches the age of 60 years he/she will be able to withdraw only 20% of the overall contribution they have made. While the rest 80% has been used for purchasing the annuity from the life insurer.

The candidate can also withdraw 60% of their contributed sum whereas the remaining 40% will be used to purchase the annuity from a life insurer.

Tier II account – the tier II account is a voluntary saving choice for the people who want to withdraw their money without any limit. However, a person may choose to open a Tier II account alongside the Tier I account.

Public Provident Fund commonly called the PPF scheme, is a long-term investment instrument. The scheme was started by the National Savings Organization (NSO) in order to encourage small savings and investments. PPF offers decent returns along with income tax benefits under Section 80C of the Income Tax Act.

Only an Indian resident can open a PPF account. One person can only have one active PPF account at a time. PPF account for minors can be opened based on legal age proof. PPF is a long-term investment instrument and so the maturity term is 15 years.

Some of the key Indian Banks like SBI, ICICI Bank, Axis Bank, HDFC Bank, Central Bank of India, Bank of India (BOI), IDBI, Central Bank of India, Punjab National Bank, Indian Overseas Bank offer PPF account facility. Several other banks also provide PPF service.

1. PPF Account opening form which can be obtained from the bank branch or the Indian Post portal.

2. Valid ID proof like PAN card, driving license, voter ID card, passport and Aadhaar card.

3. If you applying online to open the PPF account, you will need address proof like telephone bill, electricity bill, ration card and Aadhaar card.

4. Two recent passport size photographs will be required as well.

5. A Pay-in-slip at the bank branch to transfer the amount to your PPF account, or a signed cheque in favour of your PPF account.

6. In case of PPF account for a minor, birth certificate may be required as age proof.

PPF interest rate is set by the central government. The interest is calculated annually. Since PPF falls under the EEE (Exempt, Exempt, Exempt) tax category, it means that PPF contribution, interest earned and maturity proceeds are eligible for tax exemption completely. One can claim tax benefits for investment up to Rs 1.5 lakh per year.

Sukanya Samriddhi” means prosperity of the girl child. The scheme was created with the aim of encouraging parents and guardians of girl children below the age of 10 years to begin saving money so that they may have a solid financial footing to continue with higher education, pursue entrepreneurial dreams or even marry the girl off.

Under this scheme, every girl below the age of ten years is made eligible for a special savings account with higher than normal interest rate and several other concessions. The account receives deposits for 14 years and matures at 21 years since the opening of the account.

1. Who Can Open the Account?

Either of the girl’s parents or a legal guardian of a girl child, may open the account, provided the girl is less than 10 years old. Accounts can be opened for only 2 girl children per guardian/family. An exception is made in the case of twins and triplets.

2. What is the Eligibility Criteria?

The scheme is only for girls.

The girl for whom the account is being created should be below 10 years of age.

The girl should be an Indian citizen, residing in India.

3. Required Documents

Birth Certificate of the girl child

Address Proof

Photo Identity Proof

4. Residence

It is stipulated that the girl child availing the benefits of the scheme should be a resident of India throughout the duration of the scheme.

5. The Account in the Name of the Beneficiary

Only the girl child is meant to be the beneficiary of Sukanya Samriddhi Account (SSA), although the guardian is making the deposits. In the unfortunate case of premature death of the child, the guardian can claim for the balance amount and accrued interest since the day of the opening of the account.

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What will change after April 1st? From PAN rules to mutual funds, find out here

The deadline for linking PAN card with Aadhaar is March 31, 2019. If you fail to link your PAN with Aadhaar, your PAN card might become invalid. The Supreme Court in September last year, while declaring the Aadhaar scheme as

constitutionally valid, had said Aadhaar was mandatory to file I-T returns and issuance of PAN card.

After April 1, if you miss a connectiong train, then your ticket's cost would be refunded. You would be easily able to link two PNR numbers. The condition is that the passenger information on both the tickets should be same.

Some SEBI rules related to Mutual Funds are also set to change post April 1, 2019. According to the new rule, the total expense ratio (TER) would be 2.25. This charge is collected from the investors. For close ended schemes, this would be 1.25 percent. For schemes other than equity schemes, the TER would be one percent.

If you have any share certificates in physical form, then do get it converted to digital form through a DMAT account. After April 1, 2019,, onlt shares in a DMAT account (digital) would be considered valid.

After April 1, motorcycles aver 125 cc must have anti lock braking system. And for bikes upto 125 cc, a combi braking system would be mandatory.

Starting April 1, electricity bills would be pre paid. You can re-charge for the amount of electricity that you wish to use. New pre-paid meters would be installed at homes.

As per RBI direction, all banks will have to link loan rates to external benchmark. This would become mandatory from April 1 onwards. Loans are likely to become cheaper after this. The State Bank of India (SBI) has already implemented this.

In the real estate sector, new GST rates would be applicable post April 1. Under the new rates, the GST on low cost houses would be 1%. The other houses falling in higher category would attract 5% GST. As of now, the GST on these two categories are 8% and 12%.

Post April 1, 2019, you will not have to give a separate application to transfer PF or Provident Fund account when you switch jobs. The new automatic system of EPFO EPF transfer would be activated from next month onwards.

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BoB-Dena Bank-Vijaya Bank merger: Here what will change for customers of these banks from April 1 Dena Bank, Vijaya Bank to merge with Bank of Baroda

Beating private sector lender ICICI Bank, state-run Bank of Baroda (BoB) will become India's third largest bank after its merger with Dena Bank and Vijaya Bank comes into effect tomorrow. With a total business of about 15 trillion, the merged entity will be the third-largest lender in India, after State Bank of India and HDFC Bank. This is also India's first-ever three-way consolidation of banks in India, with the amalgamated entity emerging as the country’s second largest public sector bank.

Here are 10 things to know about Bank of Baroda merger:

1. In terms of the number of branches, Bank of Baroda will rank second in India across all banks. The merged entity will have nearly 9,500 branches as Dena Bank and Vijaya Bank will help BoB increase its reach in the western, southern and north-eastern regions. However, to achieve economies of scale and remove overlapping, it is expected that some branches of either of the banks will be shut down

Branches of Vijaya Bank and Dena Bank will function as Bank of Baroda outlets from April 1, following amalgamation of the two lenders with the latter, the RBI said on Saturday. The merger of Vijaya Bank and Dena Bank with Bank of Baroda, will be effective from April 1, 2019.

“Consequently, all branches of Vijaya Bank and Dena Bank will function as branches of Bank of Baroda from April 1, 2019. Customers, including depositors of Vijaya Bank and Dena Bank will be treated as customers of Bank of Baroda with effect from April 1, 2019, ” the Reserve Bank of India said in a statement.

Earlier this week, the government decided to infuse Rs 5,042 crore in BoB to enhance capital base of the lender ahead of the merger. According to the Scheme of Amalgamation, shareholders of Vijaya Bank will get 402 equity shares of BoB for every 1,000 shares held. In the case of Dena Bank, its shareholders will get 110 shares of BoB for every 1,000 shares they held.

The government in September last year had announced merger of Vijaya Bank and Dena Bank with Bank of Baroda, aiming to create the third-largest lender after the SBI and ICICI Bank.

Two major state-run banks will stop operations from April 1. These two banks are Dena Bank and Vijaya Bank, and they will be merged with Bank of Baroda next month. Banking operations and accounts held by these two banks will be transferred to Bank of Baroda post merger. This would lead to some changes for the customers of Dena Bank and Vijaya Bank.

Since the banking operations of Dena Bank and Vijaya Bank will be handed over to Bank of Baroda (BoB), the customers may get new passbooks, cheque books, debit and credit cards, and even new account numbers and customer IDs. This means that the customers will have to get their banking details updated with entities like the Income Tax Department, mutual funds, insurance companies, etc.

Some aspects, like the interest rate on fixed deposits or recurring deposits, and existing loans, are not likely to change. Here's a look at how the merger of Dena Bank and Vijaya Bank with Bank of Baroda might affect their customers:

BoB-Dena Bank-Vijaya Bank merger: Here's what will change for customers of these banks from April 1 Dena Bank, Vijaya Bank to merge with Bank of Baroda

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Saturday, March 30, 2019

STD-3 TO 8 PARYAVARAN/GUJARATI SANSKRIT EKAM KASOTI-2 ANSWER KEY (30/03/2019)

Ekam Kasoti Answer Key

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SSC Stenographer Grade ‘C’ & ‘D’ Exam Final Result 2017

SSC Stenographer Grade ‘C’ & ‘D’ Exam Final Result 2017
Staff Selection Commission (SSC) has published the Final Result for Stenographer Grade ‘C’ & ‘D’ Exam 2017, Check below for more details.

Final Result Cut-off: Click Here

Additional Result: Click Here//For more details: Click Here

Stenographer 2016 Marks for All Candidates: Click Here

Final Result:
Grade ‘C’: Click Here//Grade ‘D’: Click Here

Friday, March 29, 2019

STD 3 SUANI AASPAS & STD 4 AND 5 GUJARATI EKAM KASOTI PAPER SOLUTION DOWNLOAD

STD 3 SUANI AASPAS & STD 4 AND 5 GUJARATI EKAM KASOTI PAPER SOLUTION DOWNLOAD

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Search Voters in Electoral Roll

Search Voters in Electoral Roll

Search your entry in the Electoral Roll. Search your entry by ID Card No · Search your entry by Name · Search your entry by Area/Locality ..., Details on Voting List ✓ Importance of Voter ID List ✓ Components of Voter List Search ✓ Check Voter List ✓ Search Name in Voter List✓ By EPIC in Election ...,Search Your Electoral Roll Details As Per Voter ID Card No. District Name, National Voters' Services Portal ... Search Your Name in Electoral Roll. Apply online for registration of new voter/due to shifting from AC., PDF Electoral Roll · List of Claims & Objections. NRI Voting Options ... Search ECI website only. State Name, State Name. ,

How To Check Voter List
With digitisation, the Election Commission of India has begun the process of digitising the electoral rolls based on constituency. Voter list searches are now web-enabled, making it easier for electoral officers as well as individual voters to check if their names have been included on the voter’s list for the constituency they fall under.

All records concerning the electoral rolls are now available online, making it easier for individuals to locate their name in the electoral roll or check if their name has been updated in the rolls in the case of new voters.

Voters can log on to the National Voter’s Service Portal (NVSP) and check for details regarding the inclusion of their name in the voter’s list.

The NVSP has made a provision for individuals to check if their names have been included in three ways, as detailed below:

Search by EPIC/Voter ID in Election Voter List -
This search option allows individuals who have registered for an EPIC/voter ID card to check for their name in the electoral roll by entering their voter ID card number. If the card is logged in the database, the individual’s particulars will be displayed on screen.

Search Name in Voter List -
Individuals can also choose to locate their name in the voter’s list by searching using their name. This could be a bit difficult, though, as the individual has to ensure that the name as mentioned in the voter ID card is entered in the search. This includes any abbreviations or the maiden name, if the same has not been updated in the electoral records. On entering the name, a list of all eligible voters with that name in the district and constituency will be displayed on screen.

Search your name in Electoral Roll by area/locality -
This search can be done if an individual wishes to check if their name is included in the voter list for a particular area or constituency. This is particularly useful for those who have applied for a change of address in their Voter ID Card. The individual will have to select the district and locality as mentioned in the drop-down menu, after which a list of all eligible voters currently on the rolls will be displayed. The individual can then look through to list to locate his/her name.

Individuals who wish to check if their names have been included in the voter’s list or those who wish to check any details pertaining to their Voter ID card can do so by following the steps outlined below:

Visit the National Voter’s Service Portal, the official website for all voter-related information run by the Election Commission of India.
Select the ‘Search Your Name in Electoral Roll’ option from among those provided.
Pick from the search options available (and listed above) and enter the details accordingly.
The results will be displayed on screen depending on the information being available in the database.

Search Name in Voter List : Click Here

Download Latest Matdar Yadi of your village

Download Voter list Latest updates as on 1/9/2018

Download Voter list in PDF format is easy now.do some steps and download it.

Check Your Village Matdar yadi first open This link.
Link : Click Here (Google Chrome ma open karo)
Aa link open karya bad pahela Jillo pasand karo, tyar bad Taluko pasand karo tyar bad taluka na badha gamo na nam aavshe tema tamara gam na nam ni same Show button hase tena par Click karvathi Matdar yadi Download kari shakashe.

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GSEB introduces 2 levels of Mathematics for class 10th Board exams from 2020 : GSEB to introduce two level Maths paper for class 10 exams

introduces 2 levels of Mathematics for class 10th Board exams from 2020 : GSEB to introduce two level Maths paper for class 10 exams

The Central Board of Secondary Education (CBSE) is going to introduce two levels of Mathematics for students of Class X for different needs for the academic year 2019-20.

The National Focus Group on Examination Reforms, to reduce overall student stress levels, has introduced the 2 levels of Mathematics. It is well known that students experience greatest stress before and during their most 'difficult' subject exam. Keeping in view of this important aspect and as evidenced by the Board results, the Board has decided to introduce two levels of examination in Mathematics for the students who are going to appear in the Board examination for the academic session ending March 2020 onwards.

In a relief to thousands of students afraid of mathematics, the Central Board of Secondary Education (CBSE) will have two levels of maths exam for class 10 from 2020 onwards. In addition to the existing level, an easier mathematics syllabus will be introduced under level-2. According to an official circular by the CBSE, the current mathematics subject will be called Mathematics-Standard and the easier level will be called Mathematics-Basic.

Students who fail or get a compartment in Mathematics-Standard exam will have the option to appear for compartment exam in any of the two levels. “The syllabus, classroom teaching and internal assessment for both the levels of examination would remain the same; so that the students get an opportunity to study the whole range of topics throughout the year and are able to decide upon the level of Board examination depending upon their aptitude and abilities,” according to the official circular.

The first level or the exiting level of examination would be known as Mathematics-Standard while the second level or the easier level of examination would be called Mathematics-Basic.
A student can choose between the two levels of Examination at the time of submission of List of Candidates (LoC) by the affiliated school to the Board online, which is usually done in the months of October and November.

This Mathematics-Basic is being introduced for the students who do not wish to study Mathematics at Sr. Secondary or the higher level.
However, the syllabus, class room teaching and internal assessment for both the levels of examination would remain the same. The students will have an opportunity to study the whole range of topics throughout the year and can decide upon the level of Board examination depending upon their aptitude and abilities

GSEB introduces 2 levels of Mathematics for class 10th Board exams from 2020 : GSEB to introduce two level Maths paper for class 10 exams
GSEB introduces 2 levels of Mathematics for class 10th Board exams from 2020 : GSEB to introduce two level Maths paper for class 10 exams

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Thursday, March 28, 2019

Sarvodaya Commercial Co-operative Bank Ltd. Recruitment for Various Posts 2019

Sarvodaya Commercial Co-operative Bank Ltd. Recruitment for Various Posts 2019

Sarvodaya Commercial Co-operative Bank Ltd has published Advertisement for below mentioned Posts 2019. Other details like age limit, educational qualification, selection process, application fee and how to apply are given below in the advertisement.

Posts:

Branch Manager

E.D.P. Manager

Apprentice Clerical Trainee:

Educational Qualification: Please read Official Notification for Educational Qualification details.

Selection Process: Candidates will be selected based on an interview.

How to Apply: Eligible candidates may send their application & necessary documents to given address in the advertisement.

Address to sent Applications: Sarvodaya Commercial Co-operative Bank Ltd., Sarvodaya Bank Road, Nr. Bhamria Nala, Mahesana 384002

Last Date: Within 10 days from the date of Advt. Published

(Advt. Published Date: 27-03-2019)

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IIT Gandhinagar Recruitment for Various Posts 2019

IIT Gandhinagar has published Advertisement for below mentioned Posts 2019.

Other details like age limit, educational qualification, selection process, application fee and how to apply are given below in the advertisement.

◾Post Name:
Executive
▪️Discipline:
Alumni Affairs Office
▪️Last Date:
20-04-2019
▪️Details
▪️Apply Online

◾Post Name:
Research Associate (RA)
▪️Discipline:
Electronics/ Electrical/ Biomedical Engineering
▪️Last Date:
12-04-2019
▪️Details
▪️Apply Online

◾Post Name:
Research Associate (RA)
▪️Discipline:
Electronics/ Electrical/ Biomedical Engineering
▪️Last Date:
05-04-2019
▪️Details

▪️Apply Online

◾Post Name:
Junior Research Fellow (JRF)
▪️Discipline:
Electronics/ Electrical/ Biomedical Engineering
▪️Last Date:
29-03-2019
▪️Details
▪️Apply Online

◾Post Name:
Junior Research Fellow (JRF)
▪️Discipline:
Electronics/ Electrical/ Biomedical Engineering
▪️Last Date:
05-04-2019
▪️Details
▪️Apply Online

◾Educational Qualification: Please read Official Notification for Educational Qualification details.

◾Selection Process: Candidates will be selected based on an interview.

How to Apply: Interested Candidates may Apply Online Through official Website.

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