Tag: Jobs in India

Bank Transaction Affected: Big news! You will not be able to do
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PAN Card and Aadhaar Card are our essential documents. It has been made mandatory to link PAN card with Aadhaar. The last date to link PAN card with Aadhaar card is March 31. If you do not link these two documents, then you will not be able to do online transactions.
It has been made mandatory to link PAN card with Aadhaar. For this, the deadline of March 31, 2023 has been fixed by the Central Government. After this your PAN card will be junk. Explain that if the PAN card becomes invalid, then there may be a problem in doing banking transactions. It is reasonable that PAN card is necessary for transactions above Rs 50,000. If your PAN card becomes invalid, then after March 31, transactions of more than Rs 50,000 may be affected. That’s why users should link PAN with Aadhaar before 31 March 2023.

Will have to pay a fine of Rs 1000

If you link PAN with Aadhaar by 31 March 2023, then you will not have to pay any charge. But after this your PAN will be cancelled. Also, to activate the PAN, a fine of Rs 1000 will have to be paid as late payment.

How to know pan is linked with aadhaar
- First of all go to https://uidai.gov.in/ website.
- After this visit Aadhaar Linking Status of Aadhaar Services menu.
- Then Enter 12 Digit Aadhaar Number and Tap on Get Status Button.
- Then enter the PAN number and captcha code.
- After this click on Get Linking Status.
- In this way it can be ascertained whether PAN is linked with Aadhaar or not.
How to link Pan with Aadhaar
- First of all click on www.incometaxindiaefiling.gov.in website.
- After that click on Quick Links on the left side.
- Then click on the Link Aadhaar option.
- After this a new page will open, where PAN and Aadhaar number will have to be entered.
- Below this, right side validate button has to be clicked.
- Then there will be verification of name, date of birth and address.
- Then OTP verification will link Aadhaar with PAN.
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( With inputs from : kashmirpublication.in )
March 20, 2023
Cash Transaction Limit fixed: Income tax department has fixed

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If you mostly use cash for transactions then you need to be careful. The Income Tax Department can issue a notice in your name. Explain that the Income Tax Department monitors people who do more transactions in cash.

If you have more cash transactions in your transaction history, then you may be asked about the source of the money.

Let us tell you that the Income Tax Department is taking strict steps regarding financial irregularities. In such a situation, all those people who use cash for big transactions can be on their radar. Today we are here telling you what rules have been made regarding cash transactions which you need to keep in mind.

No more than 10 lakh cash in bank account or FD

If you deposit Rs 10 lakh or more in cash in any of your bank accounts in a financial year, then the Income Tax Department can ask you for its information. Please tell that its maximum limit in the current account is Rs 50 lakh. At the same time, in FD also, you cannot deposit more than Rs 10 lakh in cash in a year. If you want to deposit more amount than this, then you can pay online or through cheque.

Use of cash for credit card bill payment or investment

If you use cash more than Rs 1 lakh for credit card bill payment, then you can be asked for its information. At the same time, you cannot use much cash for investment. If you do cash transactions in any shares, mutual funds or bonds, then keep in mind that for this also you cannot use more than 10 lakh cash in a financial year. If you do this, the Income Tax Department can send you a notice.

Rules for paying for property in cash

Cash is widely used in the real estate sector. If you pay in cash to buy a property, it is important to know its rules. Let us tell you that after making a big transaction in cash with the property registrar, its report goes to the Income Tax Department. If you buy or sell a property worth Rs 30 lakh or more in cash, the Income Tax Department gets information about it. These rules should always be kept in mind otherwise you may get into trouble.

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( With inputs from : kashmirpublication.in )

March 20, 2023
Income Tax: Get this work done in 10 days, otherwise you

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Bank FD: There are many banks in the country that offer interest rates ranging from 6.50 per cent to 7.60 per cent on tax saving FDs. By investing in tax saving FDs, you can save tax under section 80C of the Income Tax Act, 1961. However, only those people who have opted for the old tax regime.

Income Tax Return: Fixed Deposit (FD) can be a good option for people looking for an option to save tax before the end of FY 2023. Many banks and post offices offer tax saving FDs with a maturity period of five years. This option can help you save maximum tax, especially if you have already explored other options like post office schemes, National Pension System (NPS), home loans and mutual funds.

Tax Saving

There are many banks in the country that offer interest rates ranging from 6.50 percent to 7.60 percent on tax saving FDs. By investing in tax saving FDs, you can save tax under section 80C of the Income Tax Act, 1961. However, only those people who have opted for the old tax regime can avail tax exemption through this. Under the new tax regime, the option of tax saving through FD is not available.

Tax Saving FD

It is important to note that only individuals and Hindu Undivided Families (HUFs) can invest in Tax Saving FDs. Minors can invest with the help of their parents. The maximum amount that can be invested in a tax saving FD is up to Rs 1.5 lakh. At the same time, there are about 10 days left for the next financial year to start. In such a situation, by getting a tax saving FD done in this financial year, its benefit can be availed while paying income tax. At the same time, it should also be known that the maturity period of tax saving FD is five years.

Income Tax Return

If you are looking for an option to save tax before the end of FY 2023, then tax saving FD can be a good option. Many banks offer this option with attractive interest rates and it can help you save tax under section 80C of the Income Tax Act, 1961. However, it is important to consider the maturity period and liquidity requirements before investing.

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( With inputs from : kashmirpublication.in )

March 20, 2023
School Holiday April 2023: Big relief news for school students
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There is good news for school students. Once again long holidays will be given in the school. Students will be given its benefit. At the same time, in the event of many festivals falling simultaneously and holidays on Saturday and Sunday, the students will get the benefit of long leave.

There is good news for school students. Once again long holidays will be given in the school. Students will be given its benefit. At the same time, in the event of many festivals falling simultaneously and holidays on Saturday and Sunday, the students will get the benefit of long leave.

School Holiday: There is big news for school students. Once again he will get the benefit of long leave. In March, students have been declared holidays for Ram Navami and several festivals including Holi. Along with this, they are to be given the benefit of long leave in the coming month as well.

Declared holiday on saturday and sunday

In fact, even in the month of April, schools are being kept closed for a long time. If there are 5 Sundays this month, there will be a holiday in the schools for 5 days. Apart from this, students will also get the benefit of holiday on five Saturdays. In many states, a holiday has been declared on Saturday as well. In such a situation, Saturday and Sunday were declared holidays. Apart from this, schools will be closed on the occasion of Mahavir Jayanti including Good Friday and Ramzan in the month of April.

Schools will be closed for so many days
- April 1st Saturday
- April 2 Sunday
- 4th April Mahavir Jayanti
- april 7 good friday
- Saturday 8th April
- Sunday 9th April will be declared a holiday.
- Friday will be a holiday on the occasion of Ambedkar Jayanti on 14th April.
- Whereas on 15th April Saturday
- And Sunday 16th April will also be a holiday.
- Friday will be a holiday on account of Ramadan on April 21.
- While April 22 will be declared a holiday on the occasion of Eid ul Fitr.
- In case of Sunday from 23rd April, there will be a holiday in the school.
- The same holiday has been declared in the school on the occasion of Janaki Navami on Saturday, 29th April.
- Whereas, in case of Sunday on 30th April, there will be a holiday in the schools.
Benefits of long holidays

In such a situation, school students are going to get the benefit of long holidays this time. In the same month of April, there will be holiday in schools for 12 to 15 days. The benefit of which will be given to the school students.
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( With inputs from : kashmirpublication.in )
March 20, 2023
JKBOSE Class 10th Science Multiple Choice Questions: Check

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JKBOSE Class 10th Science Multiple Choice Questions: Check Your Answers Here

Check your answers for JKBOSE Class 10th Science multiple choice questions here.

Q 1:- A ray of líght goes from water into air. Will it bend towards normal ?

Ans: No, a ray of light going from water into air will actually bend away from the normal.

Q 2:- Name the mirror which can give an errect and enlarged image of an object ?

Ans: The concave mirror can give an erect and enlarged image of an object.

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Q 3:- Which type of lens has a posítive power ?

Ans: A converging lens, also known as a convex lens, has a positive power.

Or

A diverging lens has a focal length of 0.10m. What is it’s power ?

Ans: The power of the diverging lens is -10 diopters.

The power (P) of a lens is given by the formula P = 1/f, where f is the focal length of the lens.

Given that the focal length of the diverging lens is 0.10m, we can calculate its power as:

P = 1/f = 1/0.10m = 10 diopters (D)

Therefore, the power of the diverging lens is 10 diopters (D).

Q 4:- The coloured light having the maximum speed in glass prism is :

Ans: Violet light has the maximum speed in a glass prism.

Q 5:- Out of an A.C. generator and a D.C. generator, which one uses a commutator ?

Ans: A DC generator uses a commutator.

Q 6:- At the time of short circuit, what happens to the current ?

Ans: In a short circuit, the current in the circuit can increase dramatically.

Q 7:- The modern periodic table was prepared by ?

Ans: The modern periodic table was prepared by Russian chemist Dmitri Mendeleev.

Q 8:- Name the functional group which always occurs in the middle of carbon chain ?

Ans: The carbonyl group (C=O) always occurs in the middle of a carbon chain in ketones.

Or

Why does ethyne burn with a scooty flame ?

Ans: Ethyne burns with a sooty flame due to incomplete combustion caused by its low hydrogen-to-carbon ratio.

Q 9:- The noble gas having only two electrons in its valence shell is :

Ans: The noble gas that has only two electrons in its valence shell is helium (He).

Q 10:- The number of molecules of water of crystallisation present in washing soda crystal is :

Ans: There are 10 molecules of water of crystallisation present in each washing soda crystal.

Q 11:- Do all cells use oxygen to produce energy ?

Ans: No, not all cells use oxygen to produce energy. Some cells can produce energy without oxygen through anaerobic respiration.

Q 12:- Name the organism which has parasitic mode of nutrition ?

Ans: Parasites have a parasitic mode of nutrition.

Q 13:- What is the other name of sex cells ?

Ans: The other name for sex cells is gametes.

Please note that the information provided is for informational purposes only and may not be entirely accurate. It is recommended to verify the information before relying on it solely.

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( With inputs from : kashmirpublication.in )

March 19, 2023
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LADLI BETI
A Jammu & Kashmir Government sponsored social assistance scheme meant for new born girl child of the Union Territories of J&K and Ladakhborn on or after 01st April 2015. The objective of the scheme is to arrest the declining female sex ratio. The scheme further intends to ensure that the girl child does not become a burden for the parent or guardian at the time of her marriage.

The scheme is a hybrid deposit plan having two phases:
Phase I: A recurring deposit for 14 years having date of completion as one month after the last installment received in the account.
Phase II: A Cumulative Term Deposit (CCR) for 07 years.

The monthly contribution of Rs.1000/= in Phase-I is made by the J&K Govt.
FEATURES
Recurring deposit account under this scheme shall be opened by the natural or legal guardian of the girl child.

A contribution of Rs. 1000/- per month will be made by J&K Government from the birth of the girl child / account opening date for the next 14 years. (A total of Rs. 168000/- only will be contributed by the UT.)

No credits other than monthly contribution of Rs. 1000/- by J&K Government is to be allowed in Phase I (RD Account)

After the maturity of Phase I (recurring deposit account) the account will graduate to Phase II (Cumulative Term Deposit account).

No partial drawls or Foreclosure will be allowed under any circumstances during any phase.

Maturity benefits under the scheme will be paid to the beneficiary on completion of 21 years of age or 21 years after the first installment or 85 months after the last installment whichever is later by crediting the saving bank account of the girl child. However, the girl child is at liberty to reinvest the amount in any deposit plan of the bank at card rates.

Nomination facility will not be applicable in scheme. In an unfortunate event of the death of the girl child, the account will be closed immediately and the balance amount along with interest accrued will revert to the Union Territories of J&K and Ladakh;

In the event of death of the beneficiary before she attains 21 years of age, the amount in the Recurring Deposit account / Term Deposit account shall be closed before maturity without pre payment charges.

The account opened at a particular branch may not be transferred to any other branch even if the girl child in whose name the account stands shifts to a place other than the city or locality where the account stands.

The beneficiary / parent or guardian of beneficiary shall produce ‘life certificate of the beneficiary (girl child)’ certified by a gazetted officer or by the principal of school/ college where she is enrolled before the concerned bank branch after every three years and at the time of maturity.

As scheme is aimed at households having annual income less than 75000/- The TDS shall not be deducted as long as the guardian / beneficiary furnishes form 15G/15H every year and has a valid PAN
ELIGIBILITY
Girl Child born on or after 01/04/2015 whose applications are complete in all respect accompanied with sanction letter from Child Development Project Officer (CDPO) of the selected domiciliary district (Srinagar, Anantnag, Budgam, Jammu, Kathua, Pulwama, Samba, Kishtwar).

Girl child born to parents whose annual income from all sources is less than Rs 75000
DOCUMENTATION
Application Form

KYC Norms of Parent/ Guardian

sanction letter from Child Development Project Officer
The post J&K Ladli Beti Deposit Scheme Check Features and Benefits appeared first on Kashmir Publication.

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( With inputs from : kashmirpublication.in )
March 19, 2023
JK Bank Consumer Loan Scheme Check Eligibility and Rate
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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 )
March 19, 2023

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J&K Bank Loan Scheme For 2nd Cars Check Eligibility

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NAME OF PRODUCT

JKB Car loan Scheme for purchase of Used cars for private use

PURPOSE

To provide finance for purchase of used Cars/SUV/MUV etc. (Fuel operated as well as electric cars) for Private Use only. The car should not be more than 6 years old at the time of loan sanction.

NATURE OF FACILITY

Term Loan

AGE

Minimum age at the time of loan application: 18 years

Maximum age at the time of loan maturity: 70 years

Notes:

In case of in service Govt employees under old pension scheme, car loans with tenor exceeding residual services period can also be considered. However, the sanctioning authority may make a tentative assessment of his/her likely pension income, based on his her existing salary structure, residual service, pension rules etc. and ensure that the instalment of the proposed loan shall not be more than 50% of his/her likely monthly pension.
In case of joint borrowers/ Co-borrowers, the age of that borrower can be considered for fixing tenor of the loan whose contribution towards the repayment of proposed loan is at least equal to 50% of EMI.
The upper age limit may be relaxed upto 75 years in deserving cases, powers for which may be vested with the Zonal Credit Committees.

MARGIN

For permanent employees of State and Central Government, Government Undertakings & Autonomous bodies Drawing salary through our Bank :20% of value derived/ accepted
For Platinum/Gold Current Account Holders & Customers having aggregate limits (Working Capital and/or Term Loan) above 25 Lakh having satisfactory dealings.:20% of value derived/ accepted
For All Other borrowers:25% of value derived/ accepted

MAXIMUM LOAN AMOUNT

Maximum Limit per vehicle: Rs 25.00 lacs
Maximum Limit per borrower: Rs 50.00 lacs
Note: Higher quantum of finance per unit/ per borrower may also be considered, however powers to sanction such loans shall vest with Zonal Credit Committees only.

REPAYMENT PERIOD

The maximum tenor of the loan shall be 07 years or till the vehicle gets 12 years old, whichever is earlier, subject to residual life of the vehicle.
The loan shall be repaid in a maximum of 84 Equated Monthly Installments.

SECURITY

Primary: Hypothecation of vehicle to be purchased (Bank’s charge to be registered with concerned Transport Authority/ VAHAN Central Registry)
Collateral:
- For permanent employees of J&K/Ladakh Gov’t and Central Government, Government Undertakings & Autonomous bodies maintaining salary accounts with our bank: NIL.(However, in cases where the loan tenor is in excess to residual service period, TPG of one person shall be obtained).
- For pensioners: Guarantee of 02 persons including spouse eligible for family pension.
  (Or) Guaranteeof spouse only if he/she is a Govt employee or pensioner.
- Private /Public Limited Company/ partnership firms:Personal guarantee of promoters/directors/partners
- For all others: Guarantee of one person having sufficient net worth to withstand the liability and acceptable to Bank.
- Direct Debit Mandate/NACH/ECS Mandate (whichever applicable)
  Note:
  Sanctioning Authority may waive off third party guarantee in favour of certain categories of applicant borrowers, as noted below:
1. Platinum/Gold Current Account Holders having average balance of Rs 5.00 lacs or above
2. Customers availing aggregate limits (Working Capital and/or Term Loan) above 50 Lakh with satisfactory track record.
3. Borrowers with credit score of 750 in case of CIBIL or 650 in case of CRIF.
4. High net worth individuals maintaining term deposits in excess to Rs 50.00 lacs with the bank in their own name.

PREPAYMENT PENALTY

4% on the outstanding in respect of Fixed interest rate loan shifted to other banks + Applicable GST.

Nil for all other loans prepaid

MINIMUM INCOME STIPULATION

For all types of individual borrowers: Gross Annual Income of Rs 2.00 lacs
For proprietorship/partnership firms and companies: Cash Profit (PAT+ Average Depreciation) of Rs 2.00 lacs for the previous financial year.

LOAN PROCESSING CHARGES

LPC: 1.0% of the loan amount plus applicable GST Minimum of ₹2000/- + GST
Maximum: ₹15000/- + GST
(Nil for employees mentioned at para Rate of interest)

RATE OF INTEREST (SUBJECT TO CHANGE)

Tenor upto 04 years: RLLR+3.75% (Fixed)

Tenor above 04 years:RLLR+4.75% (Fixed)

The interest rate concession applicable to employees of various Govt Departments/ institutions, as noted below, shall continue till validity of such MoUs unless otherwise notified:

Employees of SMVDSB 25 bps
Employees of Police Departments 10 bps
Employees of University of Kashmir 10 bps
Employees of NIT Srinagar 10 bps
Employees of Central University of Jammu 10 bps
All other employees of J&K/ Ladakh Gov’t. 25 bps

Interest rate concessions of 50 bps (including existing concession as per MOUs specified above or concession to women borrowers, if any) to individual borrowers having credit score of above 750 in case of CIBIL or above 650 in case of CRIF. Similar concession shall be extended to non-individual borrowers with internal rating grade of 1 or 2.

Interest rate concession of 25 bps (including existing concession as per MOUs specified above or concession to women borrowers, if any) to individual borrowers having credit score of 701-750 in case of CIBIL or 610-650 in case of CRIF. Similar concession shall be extended to non-individual borrowers with internal rating grade of 3 or 4.

ELGIBILITY

Permanent Employees of State / Central Government, Semi-Government Undertakings, Institutions and Autonomous Bodies.
Regular Employees of Private Limited Companies / Private Organizations and other Reputed Private Institutions/ Establishments who have a service of at least 2 years with the current employer
Contractual Employees of Central/State Government, Semi-Government Undertakings and Autonomous Bodies (provided there are no instances of termination of employment of such employees previously).
Professionals or self-employed individuals with at least 2 years’ experience in business/profession/activity. (This category shall include proprietors, partners and promoters of companies where the loan is sanctioned in their personal capacity. Gross Income in this case shall mean income as shown in proof of income obtained)
Persons engaged in agricultural and allied activities.
Pensioners of State/Central/UT Gov’t, PSU’s (Public Sector Undertakings), autonomous bodies and Institutions. (Family pensioners shall not be eligible).
Employees appointed under SRO 202 (to be treated at par with Permanent Employees of State/Central Government) subject to the condition salary for at least 6 months has been credited in the savings account of the applicant.
Partnership firms and companies which have been in existence for a minimum of 02 years.
HUF can also avail car loan facility. HUF can apply for the loan through Karta and the documents, as prescribed, shall also be executed by the Karta on behalf of the HUF. However, it shall be ensured that a joint application is obtained from all the coparceners for the loan whereby they will also confirm that the loan facility is used for the benefit of the HUF.
Applicants who do not fall in any of the above categories may be also be financed subject to the condition that the applicant has a stable/perpetual source of income and provides proof to the satisfaction of the sanctioning authority.

VALUATION OF THE VEHICLE

Value of the vehicle shall be the lower of the following (subject to satisfaction of the BU Head and Advances In-charge):

Ex-showroom price of the vehicle as per original sale invoice less depreciation, which shall be as follows:

Age of the vehicle	% Of Depreciation for fixing value.
Upto 06 months.	5%
06 Months to less than 01 year	10%
01 year to less than 02 years.	20%
0 years to less than 03 years.	30%
03 years to less than 04 years.	40%
04 years to less than 05 years.	50%.
05 years to less than 06 years.	60%.

Insured Declared Value (IDV) of the vehicle as per latest insurance policy.
Consideration Amount as per agreement to sell between seller and buyer or as per invoice from registered used car dealer.
Note: In case original sale invoice is not available, sanctioning authority may consider minimum of value as depicted in documents mentioned at Serial II & III above.

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The post J&K Bank Loan Scheme For 2nd Cars Check Eligibility and Rate of Interest appeared first on Kashmir Publication.

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( With inputs from : kashmirpublication.in )

March 19, 2023

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JK Bose Class 12th 2023 Biology Guess Papers PDF

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JKBOSE 12th Model Paper 2023 contain representative questions for the board exams. If you are studying in class 12th in jammu and Kashmir Jkbose, then download the JKBOSE Class 12th guess papers

The JKBOSE Guess Paper for Class 12th Biology is as follows. You should solve this after completing class 12th Biology syllabus. It gives you a good idea of what to expect in Science question paper in board exams.

There are 3 Guess Papers Of 12th Biology Download Both Below

Guess Paper 1

JkBose 12th Biology Guess Paper 1

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JkBose 12th Biology Guess Paper 2

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Jkbose 12th Biology Guess Paper 3

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( With inputs from : kashmirpublication.in )

March 19, 2023
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JK Bose Class 10th 2023 Science Guess Papers PDF

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JKBOSE 10th Model Paper 2023 contain representative questions for the board exams. If you are studying in class 10th in jammu and Kashmir Jkbose, then download the JKBOSE Class 10th guess papers

The JKBOSE Guess Paper for Class 10th Science is as follows. You should solve this after completing class 10th Science syllabus. It gives you a good idea of what to expect in Science question paper in board exams.

JkBose 10th Science Guess Paper 1 Click Here To Download Pdf

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( With inputs from : kashmirpublication.in )

March 18, 2023