Tag: Features

JK Bank Smart Saver Term Deposit Scheme Check Features
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Who can open an account under Smart Saver Deposit Scheme of J&K Bank?
Accounts under this scheme can be opened by:
- Individuals, singly or joint, and HUF (Hindu Undivided Families) shall be eligible to open Smart Saver accounts linked with savings bank accounts.
- Individuals, Sole Proprietorship, HUF, partnership firms and limited companies shall be allowed to open smart saver account linked with current accounts.
- What are the tenures for which the accounts can be opened?
  You can open an account for the following tenures:
1. Core Deposit: 1 year to 10 years.
  Linked Deposits: 180 days.
- What are the value additions of this scheme?
The product provides both liquidity as well as high returns through Auto Sweep and Reverse Sweep.
Under Auto Sweep, the amount in the operative account beyond the threshold minimum balance (minimum floor balance) is auto swept to form linked term deposits.
Under this facility, the deposit amount in the linked Smart Saver Term Deposits (not the Core Deposit) is available for clearing of debit instruments (cheques, standing instructions, ATM transactions, etc) in case the balance in the operative account is not sufficient.
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#Bank #Smart #Saver #Term #Deposit #Scheme #Check #Features
( With inputs from : kashmirpublication.in )
March 5, 2023
J&K Bank Special Bachat Deposit Scheme Check Features
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- Who can open a Special Bachat Deposit account with J&K Bank?
Special Bachat Deposit account can be opened by individuals, either singly or jointly, Parents/ Guardians on behalf of minors.
- What is the minimum Average Monthly Balance required to be maintained?
  Minimum AMB of Rs. 10000/-.
- What are the benefits of the Special Bachat Deposit Scheme?
  You can avail the following benefits:
  Free cash withdrawals over the counter: 30 withdrawals per half year.
  Free accidental death insurance cover of Rs.2.00 lacs.
  International Gold Debit Card with withdrawal limit of Rs. 1.00 lacs per day and shopping limit of Rs. 1.50 lacs per day.
  Special discount in charges on cash deposit at Base and Non-Base Business Units.
  Free e-banking / m-banking facility.
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#Bank #Special #Bachat #Deposit #Scheme #Check #Features
( With inputs from : kashmirpublication.in )
March 2, 2023
With 17.1% J&K Features on 4th Spot of CMIE’s Unemployment Graph for February Month

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Srinagar, Mar 1: Bettering by 4.7 percent in contrast with January 2023, Jammu and Kashmir ended up featuring on fourth spot of unemployment graph among twenty-seven States and Union territories for the month of February 2023, as per unemployment percentage by Centre for Monitoring Indian Economy (CMIE) – a leading business information company and an independent think tank.
According to the latest figures of CMIE, accessed by GNS, the current unemployment percentage in Jammu and Kashmir reads at 17.1 as against 21.8 in January 2023, indicating an appreciation of 4.7% for the month of February 2023.
As indicated by the figures, India currently has an overall unemployment rate of 7.5% – 8.0% in urban and 7.3% in rural areas.
While Haryana tops the list with most unemployment rate of 29.4%, Chhattisgarh on the other hand has least unemployment of 0.8%.
The other states with unemployment rate, in alphabetical order, are as; Andhra Pradesh 6.6, Assam 8.6, Bihar 12.3, Delhi 8.6, Goa 11.1, Gujarat 2.5, Haryana 29.4, Himachal Pradesh 13.9, Jharkhand 16.8, Karnataka 2.5, Kerala 5.6, Madhya Pradesh 2.0, Maharashtra 5.6, Meghalaya 4.1, Odisha 2.1, Puducherry 2.2, Punjab 8.2, Rajasthan 28.3, Sikkim 21.0, Tamil Nadu 3.0, Telangana 5.8, Tripura 11.7, Uttar Pradesh 4.0, Uttrakhand 2.3 and West Bengal 4.4. (GNS)
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#Features #4th #Spot #CMIEs #Unemployment #Graph #February #Month
( With inputs from : roshankashmir.net )

March 1, 2023
With 17.1% J&K Features on 4th Spot of CMIE’s Unemployment Graph for February Month

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ASIF IQBAL
Srinagar, Mar 1 (GNS): Bettering by 4.7 percent in contrast with January 2023, Jammu and Kashmir ended up featuring on fourth spot of unemployment graph among twenty-seven States and Union territories for the month of February 2023, as per unemployment percentage by Centre for Monitoring Indian Economy (CMIE) – a leading business information company and an independent think tank.
According to the latest figures of CMIE, accessed by GNS, the current unemployment percentage in Jammu and Kashmir reads at 17.1 as against 21.8 in January 2023, indicating an appreciation of 4.7% for the month of February 2023.
As indicated by the figures, India currently has an overall unemployment rate of 7.5% – 8.0% in urban and 7.3% in rural areas.
While Haryana tops the list with most unemployment rate of 29.4%, Chhattisgarh on the other hand has least unemployment of 0.8%.
The other states with unemployment rate, in alphabetical order, are as; Andhra Pradesh 6.6, Assam 8.6, Bihar 12.3, Delhi 8.6, Goa 11.1, Gujarat 2.5, Haryana 29.4, Himachal Pradesh 13.9, Jharkhand 16.8, Karnataka 2.5, Kerala 5.6, Madhya Pradesh 2.0, Maharashtra 5.6, Meghalaya 4.1, Odisha 2.1, Puducherry 2.2, Punjab 8.2, Rajasthan 28.3, Sikkim 21.0, Tamil Nadu 3.0, Telangana 5.8, Tripura 11.7, Uttar Pradesh 4.0, Uttrakhand 2.3 and West Bengal 4.4. (GNS)
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#Features #4th #Spot #CMIEs #Unemployment #Graph #February #Month

( With inputs from : thegnskashmir.com )

March 1, 2023
Iliad kicks off its new offer, here are the features!

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Iliad it needs no introduction, it is one of the most recent telephone operators to have landed on the market and which has managed to win over users thanks to offers with competitive and convincing prices. Today we really want to talk to you about the arrival di an interesting new offer, Flash 130.
Iliad kicks off its new offer, here are the features!
It’s been a few days now that Iliad has launched its new Flash 130 tariff, to be precise it arrived on February 23, 2023. Since it is a flash offer, it will only be activated for a certain period of time and we advise you to take advantage of it. But what does it actually offer? As you can easily guess from the name, you will have 130 gigabytes of internet browsing available per month in addition to the usual unlimited minutes and text messages.
All of this will be yours for yourself 8.99 euros per month, a truly negligible price which makes the rate very competitive compared to the others currently available on the market. Unfortunately, however, all that glitters is not gold and Flash 130 is not free from defects: in particular, if you decide to adhere to this new tariff, you will not be able to travel on 5G but only on 3G and 4G+, unlike the other offer which offers 150 gigs.
Furthermore, you will not even have access to fiber with the discounted price of 19.99 euros per month, a real shame if you were thinking of switching to Iliad also for your landline.
Despite these small problems, however, it remains a very interesting offer that could be suitable for many users, for this reason we advise you to take it into consideration and for the moment we will give you an appointment for the next article!
#Iliad #kicks #offer #features
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( With inputs from : pledgetimes.com )

February 27, 2023
JK Bank Finance Scheme For Children’s Check Features
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FEATURES & BENEFITS
Monthly Installment          Rs. 100/- and its multiples.
Tenure                                  7, 9 and 10 years as recurring (Phase-I) and 5 , 7 and 10 years respectively as term deposit (Phase-II).
Interest rate                        Fixed. Interest rates as per the rates prevalent at the beginning of the respective phases.
Interest application             Quarterly compounded interest.
Interest payouts                 On maturity
Add- ons
Accidental Insurance Cover for the Parent / Guardian (linked to the size of monthly deposit amount).
Premature withdrawal       Allowed with penalty.
ELIGIBILITY
Minor through parents/guardian.
A person in his/her name.
DOCUMENTATION
Application Form
Photograph of Parent/ Guardian/ depositor (2 copies)
Documents as per KYC Norms(of Parent/ Guardian)
Minor’s birth certificate (for minors only)
Guardianship proof for Legal Guardian (Court Decree)(For minors only)
Minor Declaration signed by the Parent/Guardian( For minors only)
PAN Card or Form 60 or 61
Any other related documents as applicable to Minors.
RATE OF INTEREST (SUBJECT TO CHANGE)
Click here for rate of Interest
FAQS
What is the eligibility for opening an account under Child-care Deposit Scheme
of J&K Bank?
Accounts under this scheme can be opened in the name of minor jointly with Parents/ Guardian. Individuals can also open accounts under the scheme in their own names.
What is the amount of monthly installment required to be deposited in Phase-I?
You can deposit a fixed monthly installment of Rs 100 and above in multiples of Rs 100.
What are the tenures for which the accounts can be opened?
You can open an account for the following 3 tenures- 12, 16 ort 20 years, comprising of 7, 5, or 10 years of phase I which is in the nature of recurring deposait and 5, 7 or 10 years respectively of Phase II which is in the nature of Cash Certificate.
Is interest under this scheme applied on Simple or Compound basis?
Interest compounded quarterly is provided under this scheme.
Can I withdraw my deposit prematurely?
Yes, but penal interest, as applicable, shall be charged on such pre-mature withdrawals.
Is loan facility available against the deposit?
Loan facility can be provided after deposit completes its first phase i.e. after entry into the 2nd phase, bank can allow loan not exceeding 90% of the amount accumulated at the time of first phase.
The post JK Bank Finance Scheme For Children’s Check Features and Benefits appeared first on Kashmir Publication.
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( With inputs from : kashmirpublication.in )
February 24, 2023
J&K Bank Kissan Credit Card Scheme Check Features

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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 )

February 22, 2023
J&K Bank Monthly Yield Deposit Scheme Check Features
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FEATURES & BENEFITS
Deposit Amount                 Rs. 1000/- and above.
Tenure                                  1 year to 10 years.
Interest rate                        Fixed.
Interest application             Simple Interest (Discounted).
Interest payouts                 Monthly.
Premature withdrawal       Allowed with penalty.
ELIGIBILITY
A person in his/her name.
More than one person in their joint names.
Minor through parents/guardian.
Sole Proprietorship firms, Partnership firms
Private and Public Limited Companies
HUFs
Associations, Clubs, Societies, Trusts etc.
RATE OF INTEREST (SUBJECT TO CHANGE)
Click here for rate of Interest
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, Partnership Firms, Companies, HUF,s etc
FAQS
What is the eligibility for opening an account under Monthly Yield Deposit Scheme
of J&K Bank?
Monthly Yield Depositaccounts 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 an account under the Scheme?
You can open an account under this scheme with an amount of Rs 1000 and above.
What are the tenures for which the accounts can be opened?
You can open an account for any tenure ranging from 1 year to 10 years.
Is interest under this scheme applied on Simple or Compound basis?
Simple Interest (Discounted) is provided under this scheme.
Can I withdraw my deposit prematurely?
Yes, but penal interest, as applicable, shall be charged on such pre-mature withdrawals.
The post J&K Bank Monthly Yield Deposit Scheme Check Features and Benefits appeared first on Kashmir Publication.
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( With inputs from : kashmirpublication.in )
February 15, 2023
J&K Bank Cash Certificate Scheme (CCR) Check Features
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CASH CERTIFICATE SCHEME (CCR)
Cumulative Term Deposit Scheme in which Compound interest is paid at the time of maturity.
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. 1000/- and above.
Tenure: 07 days to 10 years.
Interest rate: Fixed.
Interest application: Quarterly Compounding basis.
Interest payouts: On maturity.
Add-ons: Loan facility up to 90% of amount deposited plus interest accrued.
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.
TDS
TDS at prevalent rate is deducted at source if Form 15G/15H not submitted.
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
RATE OF INTEREST (SUBJECT TO CHANGE)
Click here for rate of Interest
FAQS
What is the eligibility for opening an account under Cash Certificate Scheme of J&K Bank?
Accounts under Cash Certificate Scheme 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 Cash Certificate Scheme?
You can open an account under this scheme with an amount of Rs 1000 and above.
What are the tenures for which the accounts can be opened?
You can open an account for any tenure ranging from 07 days to 10 years.
Is interest under this scheme applied on Simple or Compound basis?
Compound interest is provided under this scheme.
Is loan facility available against the deposit amount?
Loan facility up to a maximum of 90% of amount deposited plus interest accrued if any, is available.
Can I withdraw my deposit prematurely?
Yes, but penal interest, as applicable, shall be charged on such pre-mature withdrawals.
The post J&K Bank Cash Certificate Scheme (CCR) Check Features and Benefits appeared first on Kashmir Publication.
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#Bank #Cash #Certificate #Scheme #CCR #Check #Features
( With inputs from : kashmirpublication.in )
February 14, 2023
JK Grameen Bank Scheme for Girls Check Features and Benefits

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JK Grameen Bank Scheme for Girls Check Features and Benefits

All girls between the age of 3 to 10 years are eligible under the scheme (Date of Birth Certificate required).
Saving Account with minimum balance of Rs.50/- shall be opened first.

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Recurring Deposit shall be opened up to 13 years of age. A minimum amount of Rs.300/- and multiple of Rs.100/- in an R/D Account but maximum of Rs.10, 000/- P.M.
The Matured amount to be fixed in shape of Cash Certificate for Five years from the date of maturity of Recurring Deposit.
At the age of 18, the maturity amount shall be paid to the Girl.
Loan against Deposits:
Not allowed on Recurring Deposit.
Rate of Interest:
Current rate prescribed by the Bank on Recurring Deposit as well as Cash Certificate.
A/c can be opened by a minor through natural guardian i.e., father or mother or wherever applicable through guardian appointed by court.
TERMS AND CONDITIONS:
Loan against Fixed Deposit can be availed by the Girl only after undertaking from Guardian that Amount shall be used for the benefit of Minor, but after the age of 16 years.
Period of deposit shall be counted from the date of deposit to the date on which the girl child attains the age of 18.
Interest on overdue deposit is paid as per relevant policy of Bank/RBI from time to time.
As per Income Tax rules, Interest on Bank Deposits is exempt from Income tax up to a limit specified by Income Tax Authorities from time to time.
The other terms and conditions governing the scheme will be the same as applicable to other Term Deposit Schemes of the Bank.
Whether interest amount is taxable:
As per Income Tax rules. Interest on Bank Deposits is exempt from Income tax upto a limit specified by Income Tax Authorities from time to time. The depositor may furnish declaration in Form 15G/15Hpreferable at the commencement of financial year for receiving interest on deposits without deduction of tax.

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( With inputs from : kashmirpublication.in )

February 13, 2023