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Tag: Benefits

  • JK Bank Kissan Credit Scheme Check Benefits and Features

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    OBJECTIVE

    The scheme aims at providing adequate and timely credit support from the banking system to farmers under single window with flexible and simplified procedure, to Animal Husbandry and Fisheries farmers for their short term working capital requirements towards the following activities :-

    a. Fisheries: – Fresh water fish/prawn culture (including cold water), brackish water shrimp/fish/crab/ other aquatic organisms culture, fish/shrimp/prawn/crab/other aquatic organisms seed rearing, capture fisheries in fresh water, brackish water and marine and any other state specific fisheries activities.

    b. Animal Husbandry: – Milch animal rearing, poultry layer farming, poultry broiler farming, sheep rearing, goat rearing, pig farming, rabbit rearing for wool, and work animals. Any other state specific livestock rearing.

    ELIGIBILITY

    Dairy::Farmers and Dairy farmers either individual or joint borrower, Joint Liability Groups or Self Help Groups including tenant farmers having owned / rented/ leased sheds

    Fishery a. Inland Fisheries and Aquaculture:- i) Fishers, Fish Farmers (individual & groups/ partners/ share croppers/ tenant farmers), Self Help Groups, Joint Liability Groups and women groups.
    ii) The beneficiaries must own or lease any fisheries related assets such as ponds, tanks, open water bodies, raceways, hatcheries, rearing units, boats, nets and such other fishing gear as the case may be and possess necessary authorisation/ certification as may be applicable in respective states for fish farming and fishing related activities, and for any other State specific fisheries and allied activities.

    b. Marine Fisheries- Beneficiaries listed at above, who own or lease registered fishing vessel/boat, possess necessary fishing license/permission for fishing in estuary and sea, fish farming/Mariculture activities in estuaries and open sea and any other State specific fisheries and allied activities.

     

    SCALE OF FINANCE

    The scale of finance for KCC including Animal Husbandry (AH) and Fisheries will be fixed by respective District Level Technical Committee (DLTC) based on local cost worked out on per acre/per unit/per animal/per bird etc basis.

    The working capital components in fisheries, under the scale of finance, may  include recurring  cost  towards  seed,  feed,  organic  and  inorganic fertilizers, lime/other soil conditioners, harvesting and marketing charges, fuel/electricity charges, labour, lease rent (if leased water area) etc. For capture fisheries, working capital may include the cost of fuel, ice, labouring charges, mooring/landing charges etc. may form part of the scale of finance. The working capital components in Animal Husbandry, under the scale of finance, may include recurring cost towards feeding, veterinary aid, labour, water and electricity supply. The maximum period for assessment of working capital requirement may be based on the cash flow statement or completion of one production cycle.

    PROCESSIN CHARGES

    Upto Rs.5.00 lakhs Nil
    From Rs.5.00 lakhs to Rs.10.00 lakhs 0.10% of Limit
    Above Rs.10.00 lakhs 0.25% of Limit

    CIBIL and CRIF charges shall be recovered  upfront from all prospective borrowers/ guarantors/ Mortgagors at the time of extraction of Credit Information report (CIR) in accordance with Bank’s Policy on Credit Information Management – Utilization of Credit Information Services as amended from time to time.

    RATE OF INTEREST (SUBJECT TO CHANGE)

    At present, rate of interest up to Rs 2.00 lakhs (in case of new applicants
    of KCC AH&F) OR up to Rs 3.00 Lakhs (in case of aggregate KCC Limit) per farmer will be @7% p.a. (fixed) as per the Government of India (GoI) directives. It is subject to GoI providing 2% p.a., interest subvention to Bank on such advances.

    Note: As per KCC AH&F Scheme Interest subvention will be available upto Rs 2.00 lakhs in case of new applicants of KCC AH&F & upto Rs 3.00 lakhs (in aggregate) in case of borrowers having existing KCC-Crop Loan. Any loan amount exceeding the said limits shall carry normal Rate of Interest.

    REPAYMENT

    The KCC-Animal Husbandry & Fishery limit is revolving cash credit facility

    Borrowers are required to route their sale proceeds or other credits into the KCC-Animal Husbandry & Fishery account, with a minimum of loan amount plus interest and other charges, if any within the repayment due dates.

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    The post JK Bank Kissan Credit Scheme Check Benefits and Features appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

  • JK Bank Fixed Deposit Scheme Check Benefits and Features

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    FIXED DEPOSIT RECEIPT (FDR)

    • Non-cumulative term deposit where simple interest is paid on quarterly basis.

    ELIGIBILITY

    • Resident Individuals (sole or joint account)
    • Hindu Undivided Families.
    • Minor through parents/guardian.
    • Sole Proprietorship Concerns, Partnership Firms
    • Private and Public Limited Companies
    • Associations, Clubs, Societies, Trusts etc.

    FEATURES & BENEFITS

    • Deposit Amount:Rs. 100/- and above.
    • Tenure: 7 days to 10 years.
    • Interest rate: Fixed.
    • Interest application: Simple Interest.
    • Interest payouts: Quarterly.
    • Add-ons: Loan facility available.
    • Premature withdrawal: Allowed with penalty.
    • Interest on premature withdrawal will be paid at 0.50% below the rate applicable for the period the deposit remained with the bank, provided the deposit has remained with the bank for at least 7 days.
    • However, no interest will be paid on Deposits which remain for a period of less than 7 days.

    DOCUMENTATION

    • Filled in Application Form.
    • Photograph of depositor/s (2 copies)
    • Officially Valid Documents as  per KYC Norms
    • PAN Card or Form 60 or 61
    • Any other related documents as applicable to Minors, Partnership Firms, Companies, HUF’s etc
    • Interest on premature withdrawal will be paid at 0.50% below the rate applicable for the period the deposit remained with the bank, provided the deposit has remained with the bank for at least 7 days.
    • However, no interest will be paid on Deposits which remain for a period of less than 7 days.

    RATE OF INTEREST (SUBJECT TO CHANGE)

    Click here for rate of Interest

    TDS

    • TDS at prevalent rate is deducted at source if Form 15G/15H not submitted.

    FAQS

    • What is the eligibility for opening an account under Fixed Deposit Scheme of J&K Bank?
      Fixed  Deposit  accounts can be opened by individuals , either singly or jointly, Parents/ Guardians on behalf of minors, Sole proprietorship firms,  Partnership firms,  Private and Public Limited Companies , HUFs, Associations, Societies, Trusts, etc.
    • What is the minimum amount required for opening account under the Fixed Deposit Scheme?
      You can open an account under this scheme with an amount of Rs 100 and above.
    • What are the tenures for which the accounts can be opened?
      You can open an account for any tenure ranging from 7 days to 10 years.
    • Is interest under this scheme applied on Simple or Compound basis?
      Simple interest is provided under this scheme.
    • Is loan facility available against the deposit amount?
      Loan facility is available.
    • Can I withdraw my deposit prematurely?
      Yes, but penal interest, as applicable, shall be charged on such pre-mature withdrawals.
    • What is the frequency of interest paid in this scheme?
      Interest is paid at quarterly rests.

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

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    ( With inputs from : kashmirpublication.in )

  • JK Bank Karobar Card Scheme Check Features and Benefits

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    PURPOSE

    To increase the flow of credit to individuals for entrepreneurial activity in the non-farm sector.

    NATURE OF FACILITY

    Both working capital and term loan.

    ELIGIBILITY

    • Individuals engaged in the entrepreneurial activity in the non-farm sector, , which is eligible for classification under the priority sector guidelines
    •  Loan facility under General Credit Card (GCC) should, however, not be extended to ACC, WCC borrowers.
    • The borrowers should not have been loan defaulter at any bank/ branch.

     

    QUANTUM OF FINANCE

    Maximum of rupee 1.00 lacs.

    REPAYMENT

    Maximum: 60 months including maximum moratorium period of 03 months.

    CLASSIFICATION

    Micro Enterprise.

    MARGIN

    Upto rupee50,000: No margin is required for loans.

    Above  rupee50,000 and upto rupee1.00 lac: 10%.

    For working capital: 20%.

    SECURITY

    PRIMARY: Hypothecation of all the assets financed.

    COLLATERAL: Nil.

     

    RATE OF INTEREST (SUBJECT TO CHANGE)

    RLLR+1.00%

    Click here for rate of Interest

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    The post JK Bank Karobar Card Scheme Check Features and Benefits appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

  • 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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    ( 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.

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    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 )

  • Andhra man on mission to spread awareness about benefits of millets

    Andhra man on mission to spread awareness about benefits of millets

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    Chandigarh: A mechanical engineer by training, Ram Babu has been on a mission to spread awareness about the benefits of millets through his cooking shows and workshops ever since leaving his job 14 years ago.

    He has been travelling extensively, holding cooking shows. lectures, and talking about the benefit of millets which he terms a “super food of our ancestors”.

    Notably, 2023 has been designated as the ‘International Year of Millets’ after a proposal for it was brought forward by India and endorsed by members of the UN’s Food and Agriculture Organization (FAO) governing bodies, as well as by the 75th Session of the UN General Assembly.

    The noted millet food expert says cooking is his passion and he wants to make masses aware about benefits of millets.

    “I will be there at the Surajkund Mela in Faridabad for two weeks next month where I will do millet-related activities.

    “Towards March-end, when some G-20 meetings are scheduled to take place in Chandigarh, I will again be doing some activities when variety of millet dishes will be served to the foreign dignitaries,” he told PTI.

    In February-end and beginning of March, Ram Babu said he will visit different colleges in Chandigarh, including the Home Science college and Hotel Management Institute, where several activities related to millet and spices will take place for three days.

    In Punjab, he has been closely working with an organisation — Kheti Virasat Mission — which has also been trying to propagate millets for past many years and whose mission he says is to revive and conserve natural farming practices, traditional and healthy food, traditional handicrafts etc.

    “I tie up with different organisations which are working in food and agriculture –they keep on asking me to do some activities. I also want to give a helping hand to different organisations, which are working in agriculture and food side, in healing and forgotten foods.

    “Even in northeast, I am working with different universities where I do workshops and give awareness about our ancient, forgotten foods,” he says.

    Ram Babu, who was born in Nellore in Andhra Pradesh, gave up his job as a mechanical engineer.

    He said though he is based in Hyderabad, he keeps travelling to different parts of the country.

    “In addition to north India including Punjab, I also keep on travelling in Andhra Pradesh, Telangana, Karnataka, Maharashtra doing awareness programmes on millets,” he says.

    After giving up his job, Ram Babu initially started a millet and organic restaurant fourteen years back in Hyderabad.

    He said mostly people know about Ragi, Jawar and Bajra, but they are not aware about so many varieties.

    “I have developed lot of recipes with millets. I started baking millet cake too,” he says.

    “Our body is a precious gift given by nature. What could be the proper food which will give strength as well as healing capacities to our bodies so that it can sustain healthily and we could lead a healthy and purposeful life.

    “Many people in our country suffer from obesity, diabetes and heart problems. Ancient grain like millets, which have been forgotten for last few decades, need to be made popular.

    “Millets have less glycemic index and gets digested very easily. It can be described as wonder food for diabetics and obesity and these are rich in fiber and minerals,” he says.

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    ( With inputs from www.siasat.com )

  • RENEE Fab 5 Nude 5-in-1 Lipstick 7.5gm, Long Lasting Matte Finish | Five Shades In One | Intense Color Payoff | Lip Color with Moisturizing Benefits

    RENEE Fab 5 Nude 5-in-1 Lipstick 7.5gm, Long Lasting Matte Finish | Five Shades In One | Intense Color Payoff | Lip Color with Moisturizing Benefits

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    Product Description

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    FABULOUS EVERYDAY

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    Our FAB 5 Nude proves to be a promising addition to your makeup collection because it contains every shade that you might need throughout the day. It has got you covered for your morning work calls, evening tea-breaks and dreamy date nights. It is enriched with Jojoba Oil that gives your lips the freshness they need. It’s not just your ordinary lipstick, it’s lip-stick by you through thick and thin. Duration : 8 – 12 hrs

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    DIRECTION FOR USE:

    Open the cap of FAB 5 Nude, 5 in 1 lipstick and gently pop the color bullet and push it in the bottom of the stick, play with the desired color. Start the application from the center moving towards outwards of lips, just one stroke and you are ready to go.

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    Ingredients

    coconut oil

    coconut oil

    sunflower oil

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    jojoba oil

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    carnuba wax

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    COCONUT OIL

    Coconut Oil deeply moisturizes your skin and prevents any swelling, inflammation or dryness.

    SUNFLOWER SEED OIL

    Filled with rich nutrients, Sunflower Seed Oil helps in reducing the signs of ageing. It is rich in Vitamin E, hence works best as a natural protector from heat and pollution.

    JOJOBA OIL

    Jojoba Oil keeps your lips from drying. While locking in the moisture, it repairs any damage and retains the softness of your lips even during peak winters.

    VEGETABLE WAX

    An all-natural skin healer, Vegetable Wax is rich in its moisturizing properties. It protects your skin from harsh environmental elements and works on its natural nourishment.

    Product Dimensions ‏ : ‎ 14 x 2 x 2 cm; 7.37 Grams
    Date First Available ‏ : ‎ 15 February 2021
    Manufacturer ‏ : ‎ Star Color Cosmetics
    ASIN ‏ : ‎ B08WLYRCRC
    Item model number ‏ : ‎ fab5
    Country of Origin ‏ : ‎ India
    Manufacturer ‏ : ‎ Star Color Cosmetics, Star Color Cosmetics LLP, Bhiwandi, Thane Maharashtra
    Packer ‏ : ‎ Star Color Cosmetics LLP, Bhiwandi, Thane, Maharashtra
    Item Weight ‏ : ‎ 7.36 g
    Item Dimensions LxWxH ‏ : ‎ 14 x 2 x 2 Centimeters
    Net Quantity ‏ : ‎ 1 count
    Included Components ‏ : ‎ 1 Stick
    Generic Name ‏ : ‎ Lipstick

    Easy to use & travel-friendly packaging: Renee Fab 5 IN 1 Lipstick is a one-of-a-kind lipstick that comes in a unique 5 in 1 packaging which makes it absolutely convenient to carry and use. So, move over the fuss of stuffing your bag with makeup instead, just carry Renee Fab 5 in 1 and rock different shades every day!
    Intense color with one swipe application: Renee Fab 5 in 1 lipstick is curated with a unique formula that gives high color pay-off with just one stroke of application. Specially created to make your daily makeup all the more easier and quicker, Renee Fab 5 in 1 lipstick is perfect for On-the-go makeup and quick touch-ups.
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    Enriched with Jojoba oil, Coconut oil and Sunflower seed wax: Enriched with nourishing oils from Jojoba, Coconut and Sunflower seed wax, Renee Fab 5 in 1 Lipstick has a creamy and non-drying texture that gives a smooth finish to your lips.

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