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J&K Bank Kissan Dost Finance Scheme Check Eligibility

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PURPOSE

For purchase of wide range of Agricultural/Horticultural implements/machinery including Power Tillers, Reapers, Weeders, Harvesters, Rice Transplanters, Pump Sets, Sprayers, Threshers, Tractors, Load Carriers, Wheel Carts, Three wheeler Load Carriers, One Ton Load Carriers etc. The list is indicative and not exhaustive. It can include all types of implements/equipments, machinery utilized by the farmers for farm mechanization purposes.

ELIGIBILITY

1. For financing Tractors/Harvesters/Reapers/Four Wheeler Load Carriers

Farmers/Employees owning minimum Irrigated cultivable agri land holding of 4 kanals or more for cultivation of crops including vegetables, floriculture, horticulture, cereals, pulses, fruit, medicinal and aromatic plants, etc.

OR

Non-Irrigated cultivable agri land holding of 8 kanals or more for cultivation of crops including vegetables, floriculture, horticulture, cereals, pulses, fruit, medicinal and aromatic plants, etc.

2.For financing Power Tillers, weeders, Rice transplanters, Pump Sets, Sprayers, Threshers, Three Wheeler Load Carriers etc.

Farmers/ Employees with minimum cultivated agri land holding of half an acre i.e. “4 kanals” for cultivation of crops including vegetables, floriculture, horticulture etc. The maximum amount of loan to the farmers having 4 kanals of land shall not exceed Rs 7.00lacs.

3. For financing pump sets, sprayers, grass cutter, baskets & receptacles, ladder, trays handcarts etc.

Farmers/Employees owning minimum apple cultivated land of 2 kanals. The maximum amount of loan to the farmers having 2 kanals of land shall not exceed Rs2.00lacs.

MAXIMUM PERMISSIBLE FINANCE

1.General Category Borrowers Maximum Loan Amount Rs.15.00 lacs.

2. Central/state Government Employees and employees of Public Sector Undertakings, Autonomous Bodies & Institutions. 48 months gross salary or Rs15.00 lacs whichever is lower. Gross deduction from salary including installments of the proposed loan not to exceed 60% of gross income.

MARGIN

10 % of Invoice value across all categories.

RATE OF INTEREST (SUBJECT TO CHANGE)

1 Year MCLR + 0.25% (Floating) present effective 9.05% with reset clause of one year.

REPAYMENT

Term Loan shall be repaid in maximum 7 years in 84 equated monthly installments with moratorium period up to three months from the date of first disbursement of the facility. Thus maximum door to door tenor of loan shall be 7 years and 03 months. In case of Central/state Government Employees and employees of Public Sector Undertakings, Autonomous Bodies & Institutions repayment to be fixed in such a way that the facility is adjusted one month before attaining age of superannuation or 07 years and three months from date of first disbursement whichever is earlier. However if the employees provide the collateral security as applicable to General category farmers, the repayment may be fixed as per cash flows without linking the same with age of superannuation.

The post J&K Bank Kissan Dost Finance Scheme Check Eligibility and Rate of Interest appeared first on Kashmir Publication.

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( With inputs from : kashmirpublication.in )

February 27, 2023
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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 1.00 lacs.

REPAYMENT

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

CLASSIFICATION

Micro Enterprise.

MARGIN

Upto 50,000: No margin is required for loans.

Above 50,000 and upto 1.00 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

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 )
February 27, 2023
Cash Transactions Notice: Big news! Income tax notice will come

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New Cash Transaction Rule: The Income Tax Department has become very cautious about cash transactions these days.

In the last few years, the Income Tax Department and various investment platforms like banks, mutual fund houses, broker platforms, etc. have tightened the cash transaction rules for the general public. Let us know the complete details about it.

Now these investment and lending institutions allow cash transactions only up to a certain limit. The Income Tax Department can send a notice if there is even a slight violation.

There are many such transactions, which are monitored by income tax. If you do large cash transactions with banks, mutual funds, brokerage houses and property registrars, they will have to inform the Income Tax Department. Let us know about 5 such transactions, which can land you in trouble.

Bank Fixed Deposit (FD)

Cash deposit in bank FD should not exceed Rs 10 lakh. The Central Board of Direct Taxes (CBDT) has announced that banks will have to disclose whether individual deposits in one or more fixed deposits exceed the prescribed limit.

Bank savings account deposit

The limit for cash deposit in a bank account is ₹10 lakh. If a savings account holder deposits more than ₹10 lakh during a financial year, the Income Tax Department can send an Income Tax notice. Meanwhile, cash deposits and withdrawals in a bank account that cross the limit of ₹10 lakh in a financial year must be disclosed to the tax authorities. In current accounts, the cap is ₹50 lakh.

Credit card bill payment

As per CBDT rules, payments of Rs 1 lakh or more in cash in lieu of credit card bills should be reported to the Income Tax Department. Additionally, if ₹10 lakh or more is paid in a financial year to settle credit card bills, the payment should be disclosed to the tax department.

Sale or purchase of real estate

The property registrar will have to disclose to the tax authorities any investment or sale of immovable property for an amount of ₹30 lakh or more. Therefore, in the purchase or sale of any real estate property, taxpayers are advised to report their cash transactions in Form 26AS as the Registrar of Property will definitely report about the same.

Investment in Shares, Mutual Funds, Debentures and Bonds

Investors investing in mutual funds, stocks, bonds or debentures should ensure that their cash transactions in these investments do not exceed ₹10 lakh in a financial year.

The Income Tax Department has prepared the Annual Information Return (AIR) statement of financial transactions to trace high-value cash transactions of taxpayers. The tax authorities would collect details of abnormally high value transactions in a particular financial year on this basis.

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( With inputs from : kashmirpublication.in )

February 26, 2023
J&K Consumer Loan Scheme 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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( With inputs from : kashmirpublication.in )
February 26, 2023
JK Bank Loan Scheme For Android and Apple Phones Check
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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 JK Bank Loan Scheme For Android and Apple Phones Check Eligibility appeared first on Kashmir Publication.

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( With inputs from : kashmirpublication.in )
February 26, 2023
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J-K govt terminates 23 ReTs for ‘invalid degree certificates’

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School Education Department has terminated services of 23 Rehbar e Taleem (ReT) teachers of Jammu division on basis of qualification certificates acquired from Un-recognized Boards.

Director of School Education Jammu (DSEJ) said that those teachers are termination from services on basis of qualification certificates acquired from Un-recognized Boards.

The official communique in this regard reads, “A committee was constituted to review the pending regularization cases of RETs.”

“The committee member in meeting held on February-07-2023, observed that 23 RETs of different districts of Jammu Division have acquired their qualification from the Boards which have not been granted equivalence by the J&K Board of School Education, Jammu as these boards have not been recognized by the Council of Boards of School Education (COBSE) in India,” it reads.

The communique further reads that the committee has recommended the termination of services twenty three RETs as per immediately as they do not possess the requisite qualification certificates.

“Now, therefore in view of the recominendations of the committee, the concerned Chief Education Officers are directed to disengage the services of those twenty three RETs as per immediately,” DSEJ said. (KNO)

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( With inputs from : kashmirpublication.in )

February 26, 2023
SKIMS Fresh Recruitment 2023 For Various Posts, Check Details

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SKIMS Fresh Recruitment 2023 For Various Posts, Check Details Here

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online applications are invited on prescribed forms from the eligible candidates for engagement as Stipendiary Senior Residents in departments as per ANNEXURE-A on tenure basis for a period of one year.

ESSENTIAL REQUIREMENTS:

MD/MS/DM/M. Ch/DNB Degree from a recognized College/University

State/CentralMedical Registration (Permanent).

AGE: Not more than 45 Years age as on last date of receipt of Application forms.

FINANCIAL EMOLUMENTS:

Rs. 67700/- plus other usual allowances as per admissible under rules.

RECEIPT OF APPLICATION:

Candidates have to apply online on SKIMS website (www.skims.ac.in). The link for filling of online application shall be available from 25.02.2023 11:00 A.M onwards to 06.03.2023 11:59 P.M No application shall be entertained after cut-off date).The candidate has to bring hard copy of print-out of filld application form along with Demand Draft of Rs. 1000-from any branch of J&K Bank pledged in favor of Director Finance, SKIMS with copies of following self-attested certificates on the date of Interview (No Under Process shall be entertained) The date for Interview/Interaction shall be notified separately on SKIMS website.

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( With inputs from : kashmirpublication.in )

February 26, 2023
J&K Govt dismisses 3 employees for anti-national activities

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Jammu, Feb 26: The Jammu and Kashmir Government on Sunday dismissed three employees under Article 311 of the Constitution of India for their involvement in anti-national activities. Article 311 of the Constitution of India provides for dismissal of a person employed in civil capacities under Union or a State.

The activities of these employees had come to the adverse notice of law enforcement and intelligence agencies, as they found them involved in activities prejudicial to the interests of the State, such as involvement in terror related activities and drug trafficking.

Manzoor Ahmad Itoo, Junior Engineer (Public Works Department) in PMGSY, Bandipore, Syed Saleem Andrabi, Orderly in Social Welfare Department, Tehsil Handwara, District Kupwara and Mohd. Aurif Sheikh, Teacher in Government Middle School, Pagihalla, Mahore, Reasi are the employees against whom action has been taken.

“Manzoor Ahmad Itoo had played an important role in mobilizing people in support of the (militants) and also motivating youth to join (militant) ranks, which posed a serious threat to the security of the Indian State,” it reads.

Syed Saleem Andrabi has been found involved in “drug trafficking”, the government said.

“Further, Mohammad Aurif Sheikh, has been found involved in planting IEDs, on the instructions of (militants) operating from Pakistan, thus causing loss of human lives and damage to public properties.”

The statement said that government has adopted a Zero tolerance policy towards “anti-national elements who have been taking advantage of being in Government”.

Prior to these three dismissals, 44 government officials have been dismissed invoking provisions of Article 311 of Constitution of India.

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( With inputs from : kashmirpublication.in )

February 26, 2023
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The weather department on Sunday forecast scattered to fairly widespread light rain in Jammu and Kashmir in next 24 hours, GNS reported.

A meteorological department official here told GNS that scattered light rain and snow was also expected on February 28.

“From March 1-2, light rain is expected in plains and light to moderate snow/rain over higher reaches at many places,” he said, adding, “Dry weather is expected during 3rd to 7th March.”

Regarding temperature, he said, Srinagar recorded a low of 7.3°C against 1.6°C on the previous night and it was above normal by 5.8°C for the summer capital.
Qazigund, he said, recorded a low of 5.2°C against 0.2°C on the previous night and it was 4.8°C above normal for the gateway town of Kashmir.

Pahalgam, he said, recorded a low of 3.2°C against minus 3.2°C on the previous night and it was 6.7°C above normal for the famous tourist resort in south Kashmir’s Anantnag district.

Kokernag recorded a low of 4.3°C against 2.5°C on the previous night and it was 4.2°C above normal for the place, the officials said.

Gulmarg recorded a low of minus 1.6°C against minus 1.0°C on the previous night and it was 4.2°C above normal for the world famous skiing resort in north Kashmir’s Baramulla district, he said.

In Kupwara town, he said, the mercury settled at 3.0°C against minus 0.3°C on the previous night and it was 3.0°C above normal for the north Kashmir area.

Jammu recorded a low of 12.5°C against 11.2°C on the previous night. It was 0.9°C above normal for J&K’s winter capital, he said.

Banihal, he said, recorded a low of 7.4°C (above normal by 5.2°C), Batote 9.0°C (above normal by 5.5°C), Katra 13.1°C (3.6°C above normal) and Bhadarwah 5.5°C (4.7°C above normal). Ladakh’s Leh and Kargil recorded a low of minus 6.6°C and 8.2°C respectively, the official said.

While Chillai-Kalan, the 40-day long harsh winter period that started on December 21 and a 20-day-long period called ‘Chillai-Khurd’ that followed it have ended, Kashmir is under grip of 10-day-long period ‘Chillai-Bachha’ (baby cold) which ends on March 1.

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( With inputs from : kashmirpublication.in )

February 26, 2023
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Big update regarding reopening of schools, details inside

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Gurez : The opening of the schools in Gurez area of north Kashmir’s Bandipora district has been postponed till March 5 in view of fresh snowfall forecast.

According to an order issued by sub-divisional magistrate Gurez, the decision has been taken as a precautionary measure.

“In light of the recent snowfall forecast and avalanche warning, and in the interest of safety and as a precautionary measure, the opening of school educational institutions, which was scheduled to begin on March 1, 2023, is hereby postponed until March 5, 2023,” read the order—(KNO)

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( With inputs from : kashmirpublication.in )

February 25, 2023