Tag: Eligibility

J&K Bank Smartphone Finance Scheme Check Eligibility
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NATURE OF THE FACILITY
Term loan.
PURPOSE
Purchase of Mobile Phones (IOS, Blackberry, Android and Windows based).
ELIGIBILITY
Permanent Employees/Pensioners of State / Central Government, Government / Semi-Government Undertakings & Autonomous Bodies drawing salary through our Bank and where letter of undertaking from employer is available.
Customers already availing seasoned credit facilities (aged more than 2 years) where in there have been no past dues of more than one month during the currency of the loan.
AGE
Minimum: 21 years.
Maximum age of Applicant at loan maturity: For employees Date of retirement or 60 Years whichever is earlier.
For others: 65 years.
SCALE OF FINANCE
Minimum Finance: 10,000.
Maximum Finance: 75,000 or 12 months net income for purchasing upto three Smartphones or 90% of the invoice value of the Smartphone(s) whichever is lower.
Maximum finance (in case of individual small businessmen who do not file their tax returns and do not maintain the financial statements) is 10% of the credits in the operative account of the borrower during the last 12 months or 90% of the invoice value of the Smartphone(s), whichever is lower.
For Govt. employees gross deductions should not exceed 60% of gross salary while as for others deductions should not exceed 50% of gross income.
MARGIN
10% of the invoice value
SECURITY
Primary: NIL
Collateral: NIL
PROCESSING CHARGES
350/- plus applicable GST
REPAYMENT
30 Equated Monthly Installments.
PREPAYMENT
NIL
RATE OF INTEREST (SUBJECT TO CHANGE)
1 Year MCLR + 3% (fixed)
Click here for rate of Interest
The post J&K Bank Smartphone Finance Scheme Check Eligibility and Rate of Interest appeared first on Kashmir Publication.
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( With inputs from : kashmirpublication.in )
February 14, 2023
JK Grameen Bank Dairy Loan Scheme Check Eligibility

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JK Grameen Bank Dairy Loan Scheme Check Eligibility and Rate of Interest

Objective:
» Enhance production and marketing of clean milk.
» Capacity building of farmers for undertaking dairy farming as commercial activity.
» Increase income of dairy farmers through value addition.
» Promoting use of appropriate scientific technology in dairy farming.
» Provision for infrastructure like animal shed, bulk coolers, etc.
» Promotion of dairy farming on a more commercial scale by up-scaling the number of commercial farms.
» Increasing the average cattle farm size with the farmers so as to reduce cost on material inputs.
» Encouraging good functional SHGs to take up dairy farming activity.
» Increase employment opportunities for the rural unemployed youth.

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Eligibility
» Individuals living within the operational area of the branch. Preference be given to the Women beneficiaries & the ex-servicemen drawing pension through our Bank;
» The Farmers, Self Help Groups, Joint Farmers Groups are eligible to avail loan under the Scheme; &
» The identified beneficiaries should have necessary skill/ training to manage the dairy unit.
Age Criteria
Minimum: 18 years at the time of loan application; &
Maximum: 70 years at the time of loan maturity.
Unit Size
Minimum Two to Maximum Ten milch animals.
Margin
For Loans upto Rs.4.00 lakh: 10%
For Loans above Rs.4.00 lakh: 20%
Security:
For loans up to Rs.3.00 lakh
Primary: Hypothecation of animals to be purchased and misc. fixed assets.
Collateral:
1. Two third party guarantees of sufficient net means acceptable to the bank.
2. Negative Lien of immovable property (including the shed to be constructed with land underneath) not less than the loan amount
For loans above Rs.3.00 lakh
Primary: Hypothecation of animals to be purchased and misc. fixed assets.
Collateral:
1. Guarantee of two persons having sound financial net means, good for loan amount and acceptable to the bank.
2. Mortgage of immovable property (including the shed to be constructed with land underneath) not less than the loan amount.
Repayment Period
The repayment period has been fixed as 6 years. The loan will be recovered in 69 equal monthly installments starting after initial gestation period of three months from the purchase of 1st lot of animals.
Processing Charges : 0.25% of the Loan Amount * Conditions Apply
Gestation Period – 3 months

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( With inputs from : kashmirpublication.in )

February 13, 2023
JK Bank Loan For Gold Ornaments and Jewellery Check Eligibility
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PURPOSE
For Business, personal need, Domestic purposes, Medical needs, etc.
NATURE OF FACILITY
Short Term Loan for a maximum period of one year.
ELIGIBILITY
Individuals, singly or jointly maintaining account with our Bank.
Gold Jewellery should be owned by the applicant or any of his family members, i.e. Spouse & Children (who shall be co- borrowers)*
Loan can also be advanced against the specially minted Gold Coins sold by Banks subject to the condition that the weight of the coin(s) does not exceed 50 grams per customer.
AGE
21 to 70 Years
LOAN AMOUNT
Minimum : Rs 10,000.
Maximum : Rs 1,500,000.

The loan to Value(LTV) will be 70%.The LTV shall be based on the value of Gold ornaments (on Net weight basis adjusted to 22 Carat purity ) as apprised by the valuer.
REPAYMENT
6-12 months in equated monthly instalments
or
a customer can choose to serve monthly interest only and repay the entire Principal outstanding at the end of the loan tenure.
RATE OF INTEREST (SUBJECT TO CHANGE)
1 Year MCLR+ 2.00% p.a. (Floating) 50bps concession to female borrowers(both for sole and joint borrowers)
Click here for rate of Interest
SECURITY
Pledge of Gold Jewellery.
PROCESSING CHARGES
Rs 500.00 plus applicable GST.
VALUATION/APPRAISAL CHARGES (TO BE BORNE BY THE CUSTOMER)
Up to Rs 5.00 lacs : Rs 500.00 plus applicable GST.
Above Rs 5.00 lacs : Rs 700.00 plus applicable GST.
PREPAYMENT CHARGES
Nil
The post JK Bank Loan For Gold Ornaments and Jewellery Check Eligibility appeared first on Kashmir Publication.
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( With inputs from : kashmirpublication.in )
February 13, 2023
J&K Bank Solar Equipment Finance Scheme Check Eligibility
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PURPOSE
For Purchase & Installation Of Off-Grid Solar Lighting & Photo –Voltaic Systems (Solar Inverters). The Finance Shall Be Granted For The Purchase Of The System From Authorized Dealers Of Reputed Companies.
ELIGIBILITY
Confirmed Employees of: Government /Semi-Government Departments/Bodies/Agencies & Public Sector Undertakings.
Permanent Employees of Private Companies or Reputed Establishments with minimum 2 years association with the Current Employer and maintaining salary account with us.
Professionals, Self Employed Individuals & Businessmen with at least 2 years of experience in profession/business
Retired Govt. Employees with age not more than 70 years on maturity of loan.
Persons engaged in agricultural and allied activities.
QUANTUM OF FINANCE
Individuals: 12 times net monthly salary/ pension / income.
Persons engaged in agricultural and allied activities: Maximum of 2 times net annual income as certified by concerned Tehsildar.
The maximum quantum of finance shall not exceed Rs 50000.00
MARGIN
Nil
SECURITY
Primary
Nil
Collateral
Nil for Employees of J&K State Govt. / Central Govt. / Semi Govt. Departments/ Bodies/ Agencies and PSU’s maintaining salary accounts with our Bank.
For others- Third Party Guarantee of ONE person acceptable to Bank and having sufficient net worth to withstand the liability.
PROCESSING CHARGES
Rs. 500.00 plus applicable GST.
RATE OF INTEREST (SUBJECT TO CHANGE)
Fixed rate of interest @ 3 year MCLR plus 3 % with monthly rests.
Click here for rate of Interest
TENOR
Maximum Tenor of Loan shall not exceed 36 months.
The post J&K Bank Solar Equipment Finance Scheme Check Eligibility and Rate of Interest appeared first on Kashmir Publication.
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( With inputs from : kashmirpublication.in )
February 13, 2023
J&K Grameen Bank Home Loan Scheme Check Eligibility
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Eligibility:
a) A permanent employee working in Govt. / Semi-Govt. / Public Sector undertaking/ Autonomous Bodies having completed minimum 2 years of confirmed service as on date of application. The employee should be maintaining his/ her salary or saving bank account with the Bank or maintaining his salary account with other Bank.
b) Employees of Reputed Companies with a minimum of 3 years of service.
(c) Central/ State Govt. Pensioners, except family pensioners, drawing their monthly pension from our bank whose spouse is alive and is eligible for family pension.
(d) Farmers/ Orchardist/ Business-men/ Traders/ Contractors with a minimum standing of two years.
(e) Professionals & Self Employed Persons like Doctors/ Engineers/ Architects/ Chartered Accountants/ Advocates etc. with a minimum standing of 2 years.

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2) Age of the Applicant:
- Minimum : 18 years
- Maximum:
  a) For salaried employees the loan repayment period shall be adjusted in such a way that the loan along with interest is adjusted atleast six months prior to the date of retirement.
  b) For pensioners the loan sanctioned will be fully repaid by the time pensioner attains the age of 70 years.
  c) For others, the maximum age at loan maturity shall be 65 years
  (Actual loan amount will be determined taking into consideration such factors as applicant’s income and repaying capacity, age, assets and liabilities, cost of the proposed house etc.)
3) Quantum of Loan:
For the purpose of working out of loan assistance, Project cost shall be estimated on realistic basis at current cost of construction/ valuation in case of readymade houses from qualified approved engineers. The maximum loan that can be considered for sanction under direct finance housing as under:
- i) For construction/ purchase of built House/ flat-
  60 months net salary/ income or Rs. 30.00 lacs whichever is lower. For pensioners, the maximum eligible loan amount shall be 36 times the gross monthly pension.
- ii) For repairs/ renovation/ extension/ addition-
  30 months net salary/ income or Rs.15.00 lacs, whichever is lower.
- iii) For purchase of a plot of land for construction of dwelling house:
  30 months net salary/ income or Rs. 12.00 lacs whichever is lower. Maximum size of plot of land to be purchased shall not exceed 1 kanal.
Loan cases over and above Rs.30.00 lacs can also be entertained after obtaining proper permission from Head Office
Branches may extend finance to a person who already owns a house in town/village where he resides, for buying/ constructing a second house in the same or other town/ village for the purpose of self occupation.

4) Margin:
25% of the project cost.
5) Security:
For loans upto Rs.2.00 lacs:
Primary: Negative Lien on house property with power of attorney to sell the same in case of default.
Collateral: Third party guarantee of one person of sound financial net means, acceptable to the Bank and good for the loan amount.
For loans above Rs.2.00 lacs:
Primary: Mortgage of the house/ property to be constructed/ purchased along-with the land underneath and appurtenant thereto it.
Collateral: Third party guarantee of one person of sound financial net means, acceptable to the Bank and good for loan amount.
6) Repayment Period:
The loan along-with interest at prevailing rate shall be repayable in 5 Years to 20 years in equal monthly installments after the moratorium period.
In case of salaried employees, the repayment period shall be fixed in a manner that the entire principal amount along with interest is liquidated six months prior to the date of his/ her retirement within the maximum repayment period of 20 years. Moreover, it shall be discretion of the borrower to repay the loan in shorter period with larger sums or pay installments even during the moratorium period. For pensioners repayment period shall be 10 years or till the pensioner attains the age of 70 years whichever is earlier.
7) Processing Charges:
0.25% of the Loan Amount
50% of Concession in Processing Charges for Female Borrowers (Site/Joint Borrowers)
* Conditions Apply
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( With inputs from : kashmirpublication.in )
February 12, 2023
J&K Bank Laptop Finance Scheme Check Eligibility
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NATURE OF FACILITY
TERM LOAN.
PURPOSE
To provide finance for purchase of Laptop/ PCs / Netbooks / Tablets.
ELIGIBILITY
Permanent Employees, Contractual employees, Professionals, Self-employed Individuals, Proprietorship concerns, Teachers under Rehaber-a-Taleem J&K Govt., Officials under Rehaber-a Zeerat , J&K Govt., Pensioners drawing their monthly pension through our bank.
Employees of Private Limited Companies, Private Organizations, Reputed Establishments.
Regular students of recognized schools, colleges & universities.
Regular teachers of recognized private schools (must be permanent residents of Union Territories of J&K and Ladakh).
AGE OF THE APPLICANT
Minimum age: 18 years.
Maximum age at loan maturity: For employees Date of retirement or 60 Years whichever is earlier.
For others: 70 years.
QUANTUM OF FINANCE
Maximum of Rs.1,50,000/=.
MARGIN
10%.
SECURITY
PRIMARY:
NIL for loans up to Rs. 50000/-
Hypothecation of Laptop/PC/Netbook/ be purchased, if loan amount is above Rs. 50,000.00
COLLATERAL:
Nil for:
Government employees drawing salary through our Branches & where letter of confirmation is available.
Platinum / Gold / Premium plus Current account holders, having maintained satisfactory accounts for at least last 6 months.
Cash Credit / SOD account holders having a sanctioned limit above Rs 5 lacs and minimum average utilization percentage above 60% from at least 6 months prior to this facility.
Customers having Fixed Deposit accounts of value more than Rs. 5 Lakh in the Business unit sanctioning the facility. The deposit should be more than 3 months old at the time of disbursement of the loan.
Third Party Guarantee of one person for all other categories.
PROCESSING CHARGES
NIL
RATE OF INTEREST (SUBJECT TO CHANGE)
3 year MCLR plus 2.50%, fixed.
Click here for rate of Interest
REPAYMENT
12 to 48 months in equated monthly installments.
No Pre-payment Charges
MORATORIUM PERIOD
Nil
The post J&K Bank Laptop Finance Scheme Check Eligibility and Rate of Interest appeared first on Kashmir Publication.
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( With inputs from : kashmirpublication.in )
February 12, 2023

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Bank Recruitment 2023 – Apply Online For 500 PO Posts- Check Eligibility & How To Apply – Kashmir News

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Bank Recruitment 2023 : Bank Of India has released an official notification for the Bank Of India Recruitment 2023 in the employment newspaper. Through Bank Of India Recruitment 2023 the 500 vacancies of Probationary Officers JMGS-I (Credit Officers and IT Officers) are to be filled. Online applications are invited from eligible candidates for Bank Of India Recruitment from 11 February 2023 and the apply online window will remain open till 25 February 2023. Go through the article for Important dates, apply online link, application fee, and selection process for Bank of India Recruitment 2023

BOI PO Recruitment 2023 Overview

Recruitment Organization	Bank of India (BOI)
Post Name	Probationary Officer (PO)
Advt No.	Bank of India PGDBF 2022-23/3
Vacancies	500
Salary/ Pay Scale	JMGS-I (Jr. Management Grade-I)
Job Location	All India
Last Date to Apply	February 25, 2023
Mode of Apply	Online
Category	Bank of India Recruitment 2023
Official Website	bankofindia.co.in

Bank Recruitment 2023: Application Fee

For General/ EWS/ OBC Candidates: Rs 850/- (Application Fee+Intimation Charges)
For SC/ST/PWD Candidates: Rs 175/- (Intimation Charges Only)

Through online Mode by using only Master/ Visa Debit or Credit cards or Internet
Banking

Starting Date for Apply Online & Payment of Fee: 11-02-2023
Last Date to Apply Online & Payment of Fee: 25-02-2023
Tentative Date of Online Examination: Will be advised separately

1. Credit Officer in General Banking stream 350 20 to 29 Years Degree (Relevant Discipline)
2. IT Officer in Specialist stream 150 Degree/ PG (Relevant Discipline)

Bank Recruitment 2023 Selection Process

The Selection Process includes the following Stages:

Online Written Exam- 225 Marks
Group Discussion (GD)- 40 Marks
Personal Interview (PI)- 60 Marks
Document Verification
Medical Examination

How to Apply for BOI PO Recruitment 2023

Follow these steps to apply for the BOI PO Recruitment 2023

Check the eligibility from the BOI PO Notification 2023
Click on the Apply Online Link given below or visit the website bankofindia.co.in
Fill out the application form
Upload the required documents
Pay Fees
Print the Application Form

Interested Candidates Can Read the Full Notification Before Apply Online

Important Links

Post Views: 126

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( With inputs from : kashmirnews.in )

February 11, 2023

JK Bank Personal Loan Scheme Check Eligibility
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NATURE OF FACILITY
Term Loan.
PURPOSE
For any Personal need.
SCALE OF FINANCE
Minimum: Rs. 50000.00
Maximum: For permanent employees of Govt, PSUs, Institutions and Autonomous Bodies of Govt maintaining salary account with J&K Bank: 42 X Monthly Gross Salary
For employees of Govt not maintaining salary account with J&K Bank: 24 X Monthly Gross Salary or Rs 15.00 lacs, whichever is lower.
For employees of other reputed institutions/ Corporate Houses maintaining salary account with J&K Bank: 30 X Monthly Gross Salary or Rs 25.00 lacs, whichever is lower
ELIGIBILITY
Permanent Employees of
Government (State/Central/ Union Territories).
Public Sector Undertakings,
Autonomous Bodies & Institutions of Government
Govt. Employees (J&K and Ladakh only) recruited under SRO 202 with minimum service of 18 months. Note: Employees of State Govt/Central Govt/ UT Govt, PSUs, Autonomous Bodies & Institutions of Government not maintaining salary account with J&K Bank shall also be eligible.
Permanent Employees of Reputed Institutions banking with J&K Bank. Only those regular/ permanent employees shall be eligible who are maintaining their salary accounts with J&K Bank and/or will shift existing salary accounts to J&K Bank with at least one salary received in that account.
Permanent Employees of Corporate Houses banking with J&K Bank. Only those regular/ permanent employees shall be eligible who are maintaining their salary accounts with J&K Bank and/or will shift existing salary accounts to J&K Bank with at least one salary received in that account provided:
These corporate houses have a minimum business of Rs 5.00 crore (Advances+ Deposits) with the branch/bank.
Concerned Zonal offices will identify such corporate houses and permit the respective branches under their jurisdiction to grant personal consumption Loans to their regular employees.
For branches operating outside J&K and Ladakh UTs, such loans shall be granted only to those regular employees of corporate customers who are permanent residents of periphery of the branch, otherwise such loans shall be additionally guaranteed by the employer.
SECURITY
For permanent employees of Govt, PSUs, Institutions and Autonomous Bodies of Govt maintaining salary account with J&K Bank:
NIL
For all Others:
3 rd party Guarantee of Two persons having individual net worth of at least 200% of loan amount
MARGIN
NIL
RATE OF INTEREST (SUBJECT TO CHANGE)
Employees maintaining salary account with the bank: MCLR 3Y+3.00%
Employees not maintaining salary account with the bank: MCLR 3Y+4.00%
Click here for rate of Interest
REPAYMENT PERIOD
The maximum repayment period shall be 120 months with the repayment commencing next month of disbursement.
Important to note that repayment is to be fixed in such a way that loan shall be fully adjusted by or before employee retires from active service.
PROCESSING CHARGES
NIL
The post JK Bank Personal Loan Scheme Check Eligibility and Rate of Interest appeared first on Kashmir Publication.
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( With inputs from : kashmirpublication.in )
February 10, 2023
School Jobs In Kashmir, Salary 30,000, Check Eligibility Apply Now

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K Public School Humhama Recruitment for Various Posts, Check Details Here
Posts Details Below:

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1. Supervisor
2. Accountant
3. English Teacher
4. Chemistry Teacher
5. Physic Teacher
6. Maths Teacher
7. History Teacher
8. Geography Teacher
9. Urdu & Kashmiri Teacher
10. Hindi & Punjabi Teacher
11. Computer Teacher
12. Physical Education Teacher
13. Teacher (Hafiz)
14. General Line Teacher
15. Driver
No. of Posts: various

Job Location: Humhama Srinagar
Last Date: 16 Feb 2023
Salary:
1. Supervisor: Rs, 25,000 to 30,000/-
2. Accountant: Rs. 15,000 to 18,000/-
3. English Teacher; Rs. 18,000 to 20,000/-
4. Chemistry Teacher: Rs. 18,000 to 20,000/-
5. Physic Teacher: Rs. 18,000 to 20,000/-
6. Maths Teacher: Rs. 18,000 to 20,000/-
7. History Teacher: Rs. 18,000 to 20,000/-
8. Geography Teacher: Rs. 18,000 to 20,000/-
9. Urdu & Kashmiri Teacher: Rs.13,000 to 15,000/-
10. Hindi & Punjabi Teacher: Rs.13,000 to 15,000/-
11. Computer Teacher: Rs.13,000 to 15,000/-
12. Physical Education Teacher: Rs.13,000 to 15,000/-
13. Teacher (Hafiz): Rs.13,000 to 15,000/-
14. General Line Teacher: Rs.13,000 to 15,000/-
15. Driver: Rs.13,000/-
Qualification: Supervisor: PG.
Accountant: Mcom & Tally Knowing.
English/ Chemistry/Physic/ Maths/ History/ Geography Teacher: Post Graduate.
Urdu & Kashmiri / Hindi & Punjabi Teacher: Graduate or PG with relevant subject.
Computer Teacher: BCA/MCA.
Physical Education Teacher: BPEd/MPEd.
Teacher (Hafiz): Graduate.
General Line Teacher: Post Graduate /Graduate.
How to Apply?
The Job Application Form can be collected from the school office during working hours or apply online at www.jkpschool.com (Direct Link to apply is given below). The Application Form should reach the office by or before 16th February 2023.
All eligible and interested candidates have to apply from the given link below.
Note:
The applicant at S.no 1 should be having at least 5 years of experience and should be well versed with two main subjects of 10th standard.
The applicant at S.no 2 should be good at accounting and tally knowing with an experience of 5 years.
The applicants from S.no 3 to 14 should be having experience of 5 years. Preference will be given to B.Ed applicants.
Also Read Anova Works Jobs In US Receptionist – Scheduler
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( With inputs from : kashmirpublication.in )

February 10, 2023

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HCL Recruitment 2023: Earn Monthly Salary Up To Rs 180000 – Check Eligibility And Other Details Here – Kashmir News

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Post Views: 474

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#HCL #Recruitment #Earn #Monthly #Salary #Check #Eligibility #Details #Kashmir #News

( With inputs from : kashmirnews.in )

February 7, 2023

Organization Name	Hindustan Copper Limited (HCL)
Advertisement No.	Advt. No. Estt. /1/ 2015/ 2022-23
Job Name	Deputy Manager, Senior Manager, Management Trainee & Graduate Engineer Trainee
Total Vacancy	24
Notification Released Date	31.01.2023
More Jobs	Click Here
Homepage	Click Here
Official Website	hindustancopper.com

Name of the Post	Scale of Pay
Senior Manager	Rs. 60000 to Rs. 180000
Deputy Manager	Rs. 40000 to Rs. 140000
Management Trainee
Graduate Engineer Trainee

Tag: Eligibility

NATURE OF THE FACILITY

PURPOSE

ELIGIBILITY

AGE

SCALE OF FINANCE

MARGIN

SECURITY

PROCESSING CHARGES

REPAYMENT

PREPAYMENT

RATE OF INTEREST (SUBJECT TO CHANGE)

JK Grameen Bank Dairy Loan Scheme Check Eligibility and Rate of Interest

Objective:

Eligibility

Age Criteria

Unit Size

Margin

Security:

Repayment Period

Gestation Period – 3 months

PURPOSE

NATURE OF FACILITY

ELIGIBILITY

AGE

LOAN AMOUNT

REPAYMENT

RATE OF INTEREST (SUBJECT TO CHANGE)

SECURITY

PROCESSING CHARGES

VALUATION/APPRAISAL CHARGES (TO BE BORNE BY THE CUSTOMER)

PREPAYMENT CHARGES

PURPOSE

ELIGIBILITY

QUANTUM OF FINANCE

MARGIN

SECURITY

PROCESSING CHARGES

RATE OF INTEREST (SUBJECT TO CHANGE)

TENOR

Eligibility:

2) Age of the Applicant:

3) Quantum of Loan:

4) Margin:

5) Security:

6) Repayment Period:

7) Processing Charges:

NATURE OF FACILITY

PURPOSE

ELIGIBILITY

AGE OF THE APPLICANT

QUANTUM OF FINANCE

MARGIN

SECURITY

PROCESSING CHARGES

RATE OF INTEREST (SUBJECT TO CHANGE)

REPAYMENT

MORATORIUM PERIOD

BOI PO Recruitment 2023 Overview

Bank Recruitment 2023 Selection Process

How to Apply for BOI PO Recruitment 2023

Interested Candidates Can Read the Full Notification Before Apply Online

Important Links

NATURE OF FACILITY

Term Loan.

PURPOSE

SCALE OF FINANCE

ELIGIBILITY

SECURITY

MARGIN

RATE OF INTEREST (SUBJECT TO CHANGE)

REPAYMENT PERIOD

PROCESSING CHARGES

HCL Recruitment 2023: Details

Important Dates

HCL Recruitment 2023: Age Limit for HCL Recruitment 2023:

How to Apply

FOR MORE👉: CLICK HERE

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