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Tag: 12th Pass Jobs

  • J&K Bank Kissan Credit Scheme Check Features and Benefits

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    To provide adequate and timely credit to farmers under single window, with flexible and simplified procedure, adopting whole farm approach, including the short-term credit, medium term and long term credit needs of the borrowers for agriculture and allied activities and a reasonable component for consumption needs as indicated below:-
    Short Term Credit Limit:
    • To meet the short term credit requirements for cultivation of crops
    • Post harvest expenses
    • Produce marketing loan
    • Consumption requirements of farmers household.
    • Working capital for maintenance of farm assets and activities allied to agriculture, like dairy animals, inland fishery etc.

    Long Term Credit:
    • Investment credit requirement for agriculture and allied activities like pump sets, sprayers, tillers, agri implements, dairy animals, sheep, poultry etc.

    KCC Scheme also includes the crop loans under Apple Advance Scheme

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    #Bank #Kissan #Credit #Scheme #Check #Features #Benefits

    ( With inputs from : kashmirpublication.in )

  • JK Bank Launches Scheme For Salaried Employees

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    NAME OF THE PRODUCT

    J&K Bank Cash Credit Scheme

    PURPOSE

    The product is aimed at addressing the cyclic liquidity needs of salaried employees.

    ELGIBILITY

    Permanent Employees of Central Government, and State Government / Semi-Government Undertakings & Autonomous Bodies drawing salary from our Bank.

    CLASSIFICATION

    • Non-Priority

    NATURE OF THE FACILITY / QUANTUM / REPAYMENT

    • The facility shall be revolving in nature up to 8 years before the age of retirement of the employee*. The drawing power (DP) will thereafter be reduced on borrower’s birthday every year on pro-rata basis by reducing the principal amount so that the facility gets adjusted by 1 year before the age of retirement. The annual reduction can be spread over four quarters.The interest will be serviced by the borrower as and when applied.
    • Under this scheme, the credit facility can be sanctioned in favor of employees who is nearing his/her date of retirement. However the facility will be sanctioned on drop line limit basis as under:
    Remaining ServiceMaximum Limit
    Up to 8 years6 times salary credited in the account or Rs. 6.00 Lakh, whichever is lower
    7 years5 times salary credited in the account or Rs. 5.00 Lakh, whichever is lower
    6 years4 times salary credited in the account or Rs. 4.00 Lakh, whichever is lower
    5 years3 times salary credited in the account or Rs. 3.00 Lakh, whichever is lower
    4 years2 times salary credited in the account or Rs. 2.00 Lakh, whichever is lower
    3 yearsequal to salary credited in the account or Rs. 1.00 Lakh, whichever is lower

    Quantum of finance:

    • Minimum: Rs. 50,000.00
    • Maximum : 6 times average of previous three month’s salary credited in the account; or Rs. 6, 00,000.00 whichever is lower.

    * The scheme is customized for all retirement age brackets that are in vogue in the Government service sector i.e. 60, 62 and 65 years.

    REPAYING CAPACITY

    • Stipulation of minimum take home salary shall not be insisted for this loan scheme, however the Interest outgo/ payable in this loan scheme shall be added to deduction for granting loan (s) under other schemes of the bank.

    AGE OF THE APPLICANT

    • Minimum age of Applicant: 21 years.
    • Maximum at the time of loan Maturity: One year before the age of retirement.

    REPAYING CAPACITY

    • Stipulation of minimum take home salary of 40% shall not be insisted for this loan scheme, however the Interest outgo/ payable in this loan scheme shall be added to deduction for granting loan (s) under other schemes of the bank.

    MARGIN

    • NIL

    SECURITY

    • Primary: NIL
    • Collateral: NIL

    PROCESSING CHARGE

    • 0.25% of the loan amount plus GST,
      • Minimum of Rs. 500.00 plus GST.
      • Maximum of Rs. 1000.00 plus GST.

    RATE OF INTEREST (SUBJECT TO CHANGE)

    • 1 year MCLR+3.50 p.a. fixed Rate of Interest with monthly rests and Annual Reset.

    Click here for rate of Interest

    PRE-PAYMENT

    • No penalty on prepayment or / and foreclosure of the loan.

    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    The post JK Bank Launches Scheme For Salaried Employees Check Benefits and Features appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

  • JK Bank Loan Scheme For The Purchase of New Cars

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    To provide finance for purchase of new cars/vans/jeep/SUV/MUV, fuel operated as well as electric cars, for Private Use only at:

    “Ex-Showroom” Prices

    OR

    “On Road Prices” wherever opted by Borrower(s) shall mean Ex-Showroom Prices plus:

    • One Time Registration Charges
    • First Insurance Premium
    • Cost of Accessories (should be limited to 10% of Ex-Showroom Price).

     

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    #Bank #Loan #Scheme #Purchase #Cars

    ( With inputs from : kashmirpublication.in )

  • JKBOSE Class 10th Model Papers 2023

    JKBOSE Class 10th Model Papers 2023

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    jk bose


    JKBOSE 10th Model Question Papers 2023

    JK Board 10th Class Model Paper 2023 Download



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    • JKBOSE 10th Social Science Model Paper 2023 PDF Download
    • JKBOSE 10th English Model Paper 2023 PDF Download
    • JKBOSE 10th Mathematics Model Paper 2023 PDF Download
    • JKBOSE 10th Music Model Paper 2023 PDF Download
    • JKBOSE 10th Painting Model Paper 2023 PDF Download
    • JKBOSE 10th Art & Drawing Model Paper 2023 PDF Download
    • JKBOSE 10th Science Model Paper 2023 PDF Download
    • JKBOSE 10th Home Science Model Paper 2023 PDF Download
    • JKBOSE 10th Hindi Model Paper 2023 PDF Download
    • JKBOSE 10th Urdu Model Paper 2023 PDF Download
    • JKBOSE 10th Health Care Model Paper 2023 PDF Download
    • JKBOSE 10th Vocational Retail Model Paper 2023 PDF Download
    • JKBOSE 10th Vocational Tourism Model Paper 2023 PDF Download
    • JKBOSE 10th Vocational Information Technology Model Paper 2023 PDF Download
    • JKBOSE 10th Vocational Security Model Paper 2023 PDF Download
    • JKBOSE 10th Vocational Agriculture Model Paper 2023 PDF Download
    • JKBOSE 10th Vocational Beauty Wellness Model Paper 2023 PDF Download
    • JKBOSE 10th Vocational Media & Entertainment Model Paper 2023 PDF Download
    • JKBOSE 10th Vocational Physical Education & Sports Model Paper 2023 PDF Download

     

    JKBOSE 10th Class Model Paper 2023 for Hindi & English Mediums with Subject Wise JK Board 10th Important Questions, JKBOSE 10th Previous Question Papers with Solved Question Papers Download at…

    JKBOSE 10th Model Paper 2023

      Name of the BoardJammu and Kashmir State Board of School Education (JKBOSE)
    AboutJKBOSE Class 10th Model Paper 2023 PDF
    Class10th Class
    AvailabilityModel Papers & Solved Question Papers 2023 PDF
    MediumHindi and English Medium and etc..
    Category—
    Academic Year2023
    Official Websitehttp://jkbose.jk.gov.in/

    jk bose


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    ( With inputs from : kashmirpublication.in )

  • J$K Grameen Bank Loan Scheme for Used/Second Hand cars

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    Rubique Carloan 3 653x435 1


    PURPOSE:

    The finance under this scheme shall be available for purchase of an old car / jeep (not more than 5 years old) for personal use.

    Eligibility:

    i) Permanent employees of State/ Central Government, Semi-Government Undertakings, Autonomous bodies, Public Sector Undertakings, Private Companies or reputed establishments.
    ii) Businessmen, Professionals and self employed individuals.
    iii) Persons engaged in agriculture and allied activities.
    iv) Net annual income of Rs.1.00 lacs and above.

    Age Criteria:

     

    Salaried ClassThe applicant should be atleast 21 years old at the time of applicant and below 58 years of age at the time of maturity of the loan.
    * For Institutions, where retirement age is is 60 years, the upper age limit shall be 60 years.
    For othersAbove 21 years at the time of application but below 65 at the time of the loan’s maturity

     

    Maximum Loan Amount:

    i) 2.5 times of the net annual income or 15 lacs, whichever is lower. If married, the spouse’s income can also be considered provided the spouse guarantees the loan. Loan amount for used vehicles shall be subject to a maximum limit of 15 lacs.
    ii) The number of vehicles to be sanctioned to a single borrower under Car Finance (Used) at any point of time should not exceed more than 2 vehicles subject to maximum prescribed limit of 15.00 lacs.



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    Margin:

    i) 25% for vehicles having age less than 3 years.
    ii) 30% for vehicles having age of 3 years and above up to 5 years.

    Repayment period:

    i) Maximum repayment period of 72 months for vehicles having age less than 3 years.
    ii) Maximum repayment period of 48 months for vehicles having age of 3 years & above to 5 years.

    Security:

    i) Primary: Hypothecation of vehicle to be purchased.
    ii) Collateral: Third Party Guarantee of two persons having sound financial net means good for the loan amount.

    Processing Charges:

    0.50% of the Loan Amount

    * Conditions Apply

    Rubique Carloan 3 653x435 1

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    ( With inputs from : kashmirpublication.in )

  • JK Bank Tax Saver Term Deposit Scheme Check Benefits

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    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    FEATURES & BENEFITS

    • Deposit Amount                 Rs. 1000/- and its multiples.
    • Tenure                                    5 to 10 years.
    • Options Available            Option I (TSTDS –I):   
      Here, simple interest is applied on quarterly basis as in the case of a FDR and is paid to the customer in cash or credited to his /her account every quarter.
      Option II (TSTDS –II):
      Here, discounted simple interest is paid to the customer in cash or credited to his /her account at the end of every month.
      Option III (TSTDS –III):
      Here, compound interest is paid along with the principal at the time of maturity.
    • Interest rate                        Fixed.
    • Add-ons         Income Tax benefit under section 80C of Income Tax Act 1961 subject to maximum deposit of Rs. 1.50 lac per year under all the options of Tax Saver Deposit Plan.
    • Premature withdrawal        Not allowed till 5 years.
    • Loan facility                         Not available.

    ELIGIBILITY

    • Resident assessee for himself/herself as an individual or in the capacity of the Karta of the Hindu undivided family.
    • Joint accounts in the name of two adults or in the name of an adult and a minor.
    • In case of joint accounts, the tax benefits shall be available only to the first holder.

    DOCUMENTATION

    • Application Form
    • Photograph of depositor/s (2 copies)
    • Documents as  per KYC Norms
    • PAN Card or Form 60 or 61
    • Any other related documents as applicable to Minors, HUF etc

    FAQS

    • Who can open an account under Tax Saver Deposit Scheme of J&K Bank?
      Accounts under this scheme can be opened by:
      • Resident assessee for himself/herself as an individual or in the capacity of the Karta of the Hindu undivided family.
      • Joint accounts in the name of two adults or in the name of an adult and a minor.
      •  In case of joint accounts, the tax benefits shall be available only to the first holder.
    • What is the minimum amount required for opening an account under this Scheme?You can open an account under this scheme with an amount of Rs 1000 and its multiples thereafter.
    • What are the tenures for which the accounts can be opened?
      You can open an account for any tenure ranging from 5 years to 10 years.
    • What are the various variants available under this scheme?
      You  can invest in any one or more of the following options, subject to the maximum cap of Rs 1,00,000 in a year.

      Option I (TSTDS –I):   
      Under this option, simple interest shall be applied on a quarterly basis as in the case of a FDR and shall be paid to you in cash or credited to your account every quarter during the term of the deposit.
      Option II (TSTDS –II):
      Under this option, simple interest shall be applied to the deposit and paid to you in a manner similar to that of Monthly Yield Deposit Scheme. The discounted interest shall be paid to you in cash or credited to your account at the end of every month during the term of the deposit.
      Option III (TSTDS –III):
      Under this Option, interest compounded quarterly on the deposit shall be paid along with the principal at the time of maturity .The term deposit shall carry compound rate of interest.

    • What are the value additions of this scheme?
      You can avail Income Tax benefit under section 80C of Income Tax Act 1961 under all the options of Tax Saver Deposit Plan subject to maximum aggregate deposit of Rs. 1.5 lac per year
    • Can I withdraw my deposit prematurely?
      Premature withdrawal is not allowed before 5 years from the date of opening. Subsequently, you will be allowed to withdraw money prematurely after charging of penal interest.
    • Is loan facility available under this Scheme?
      No, loan facility is not available.

    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    The post JK Bank Tax Saver Term Deposit Scheme Check Benefits and Features appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

  • JK Bank Consumer Loan Check Eligibility and Rate of Interest

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    • Permanent Employees of State / Central Government, Government / Semi-Government Undertakings & Autonomous Bodies.
    • Employees on contractual basis with Central/State Govt, Government/Semi-Government Undertakings& Autonomous bodies shall be eligible, if they have been in current contractual job for a period not less than I year and the remaining contract period is longer than the chosen repayment period.
    • Teachers under Rehaber-a-Taleem, J&K Govt.
    • Officials under Rehaber-a Zeerat, J&K Govt.
    • Pensioners both State/Central drawing their monthly salaries/pension through our bank.
    • Employees of Private Limited Companies, Private Organizations, Reputed Establishments having a minimum 1 year relationship with our bank (Assets or liabilities).
    • Professionals, self-employed individuals (Businessmen included) & Proprietorship Concerns, having a minimum 1 year relationship with our bank (Assets or liabilities)
    • Finance under this Scheme shall also be provided to regular teachers of recognized private schools (must be permanent residents of Union Territories of J&K and Ladakh).

    NOTE:Employees on Adhoc basis shall not be eligible.

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    #Bank #Consumer #Loan #Check #Eligibility #Rate #Interest

    ( With inputs from : kashmirpublication.in )