[ad_1]
Jk Bose 10th Class Science Handwritten Study material
| Join Telegram Group | Click Here |
| Join WhatsApp Group | Click Here |
Jk Bose 10th Class Science Handwritten Study materials
Check Below
[ad_2]
#Bose #10th #Class #Science #Handwritten #Study #material
( With inputs from : kashmirpublication.in )
[ad_1]
10,000. 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.350/- plus applicable GSTClick here for rate of Interest
The post JK Bank Loan Scheme To Buy Android and IPhones Check Eligibility and Rate of Interest appeared first on Kashmir Publication.
[ad_2]
#Bank #Loan #Scheme #Buy #Android #IPhones
( With inputs from : kashmirpublication.in )
[ad_1]
SBI New Rule: State Bank of India (SBI), the largest public sector bank in India, has now changed many of its rules. Due to these rules, now you will have to follow a new process to deposit money in the account, otherwise you will not be able to deposit or withdraw money in any branch of SBI. Know which rules have changed by SBI.
| Join Telegram Group | Click Here |
| Join WhatsApp Group | Click Here |
Now if you or any of your relatives have an account in the bank, then it is mandatory for you to have a green card, without this you will not be able to deposit money in your bank account.
If you do not have SBI Green Card and you still want to deposit money, then you will have to go to any ATM nearest to you, there you will be able to deposit money only through ATM machine. Money will not be deposited in the bank branch.
According to the new rules of State Bank of India, now if you want to withdraw more than 10000 rupees from the bank ATM, then you will need OTP. The bank has made this new rule to prevent fraud with customers. According to this rule, whenever you go to withdraw money from an ATM, a four-digit OTP will come on your phone. You will have to specify this OTP on the ATM screen, only then you will be able to withdraw money. If you don’t give OTP then your money will be stuck.
[ad_2]
#SBI #rules #big #news #SBI #big #change #rules
( With inputs from : kashmirpublication.in )
[ad_1]
7th Pay Commission DA Hike: There is great news for crores of central government employees of the country. If you are also waiting for the Dearness Allowance to increase, then from now on the salary of pensioners and employees is going to increase.
At present, the employees are getting DA Hike at the rate of 38 per cent . At the same time, from the month of January, employees will get DA at the rate of 42 percent. Along with this, there is going to be an increase of Rs 90,000 in the salary of the employees. Information about this has been received from the data released by the Ministry of Labour.
By how much will DA increase?
Explain that dearness allowance is calculated on the basis of Consumer Price Index (CPI-IW) for industrial workers released by the Labor Bureau every month. According to the data released by the Labor Ministry, the CPI-IW for December 2022 was released on January 31, 2023. DA is calculated from the CPI-IW figures taken from industrial centers under the 7th Pay Commission. The increase in dearness allowance is 4.23 per cent.
| Join Telegram Group | Click Here |
| Join WhatsApp Group | Click Here |
Extra salary will come into account after Holi
According to the information received from the ministry, employees and pensioners will get the benefit of the increase in DA from January 1. According to media reports, the government can increase the DA of the employees before Holi, which means that from next month the employees can get increased salary.
Salary may increase by Rs 90,000 According to the information received from the
7th Pay Commission , after the increase in DA of the employees, if the salary of an employee is Rs 30,000, then his gross salary may increase by about Rs 10,800. On the other hand, if we talk about the secretary level, then there can be an increase in the annual salary of the employees by Rs 90,000 or even more.
How often does DA increase?
The dearness allowance is increased twice a year on the basis of ACIPI numbers after six monthly reviews. The hike in dearness allowance may be revealed before Holi and the salary may increase after Holi. The increase in dearness allowance will help 68 lakh senior citizens and roughly 47 lakh employees of the country. At the beginning of the year, the government increased DA by 3 to 4 percent, due to which the dearness allowance increased to 38 percent. On getting three percent salary hike, the dearness allowance will increase to 41 percent or 42 percent.
[ad_2]
#Salary #increased #Order #issued #increase #salary
( With inputs from : kashmirpublication.in )
[ad_1]
The Income Tax Department has become very cautious about cash transactions these days. In the last few years, the Income Tax Department has tightened the rules for cash transactions for the general public on various investment platforms like banks, mutual fund houses, broker platforms, etc.
Please tell that 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 have to inform the Income Tax Department. Let us know about 5 such transactions, which can put you in trouble.
1 Bank Fixed Deposit (FD):
If you deposit Rs 10 lakh or more in FD once or more than once in a year, the Income Tax Department may ask you about the source of the money. In such a situation, if possible, deposit most of the money in FD through online medium or through cheque.
2 Bank savings account deposits:
If a person deposits Rs 10 lakh or more in cash in one account or more than one account in a financial year, the Income Tax Department can question the source of the money. The maximum limit in current accounts is Rs 50 lakh.
| Join Telegram Group | Click Here |
| Join WhatsApp Group | Click Here |
3 Payment of credit card bill:
Many times people also deposit credit card bill in cash. If you deposit more than Rs 1 lakh in cash as a credit card bill at one go, then the Income Tax Department can question you. On the other hand, if you pay a credit card bill of more than Rs 10 lakh in cash in a financial year, you can also be asked about the source of the money.
4 Property Transaction:
If you do a big transaction in cash with the property registrar, then its report also goes to the Income Tax Department. If you buy or sell a property worth Rs 30 lakh or more in cash, then the information will go to the Income Tax Department on behalf of the property registrar.
5 Purchase of Shares, Mutual Funds, Debentures and Bonds:
If you do large cash transactions in shares, mutual funds, debentures and bonds then you may face problems. Cash transactions in such instruments can be done only up to a maximum of Rs 10 lakh in a financial year. So if you have any plan to invest money in any of these, then the first thing to keep in mind is that you do not have to use large amounts of cash.
[ad_2]
#Cash #Transaction #Rule #Big #news #Tax #notice
( With inputs from : kashmirpublication.in )
[ad_1]
From January 1, the post office has increased the interest rates on all its schemes. In such a situation, you have a chance to take advantage of higher interest rates. Know here about those 5 schemes whose interest rates have been increased.
If you have planned investment in the new year (New Year 2023) and you are looking for a scheme with guaranteed returns, then post office schemes can prove to be a better option for you. All the schemes like Fixed Deposit, RD, Sukanya Samriddhi Yojana, Senior Citizen Savings Scheme, PPF etc. are run by the post office. A lot of profit can be made through these schemes. From January 1, the Post Office has increased the interest rates on all its schemes (Post Office Schemes Interest Rates Hike). In such a situation, you have a chance to take advantage of higher interest rates. The new interest rates will be applicable till March 31, 2023. Know here about those schemes whose interest rates have been increased.
| Join Telegram Group | Click Here |
| Join WhatsApp Group | Click Here |
Post office time deposit
First of all, we will talk about post office FD which is called post office time deposit. You get the facility of time deposit up to 1, 2, 3 and 5 years in the post office. Their interest also varies according to the period. Interest rates have changed since January 1. Currently, you are getting 6.6% interest on 1-year time deposit, which was earlier 5.5%. 6.8% interest is being received on two-year time deposits, which was earlier 5.7%. You will get 6.9% interest on three-year time deposit, which was earlier 5.8%. Interest is being received at the rate of 7% on 5-year time deposit, which was earlier 6.7%.
Senior Citizen Savings Scheme
National Savings Certificate
The interest rate on National Savings Certificate (NSC) has been increased from 6.8% to 7.0%. NSC can be bought for a minimum of Rs 1000 and no limit has been fixed for the maximum investment. That is, you can invest any maximum amount in it. In this, you do not have to deposit money for a very long time. This scheme matures in just 5 years. Interest is compounded on an annual basis and guaranteed returns are available.
Kisan Vikas Patra
The interest rate on Kisan Vikas Patra (KVP) has been increased from 7.0% to 7.2% with effect from January 1. You can start investing in Kisan Vikas Patra with just Rs.1000. After this, investment can be made in multiples of Rs.100. There is no maximum limit for investment in this. Account Single and 3 adults together can open joint account. Nominee facility is also available in this. Premature closure of KVP account can be done after 2 years 6 months from the date of deposit.
[ad_2]
#Post #Office #Schemes #Interest #Rate #Hiked #Post #Office #Increase
( With inputs from : kashmirpublication.in )
[ad_1]
With the launch of two applications today by Chief Secretary, Dr. Arun Kumar Mehta, J&K became first in the country to take online monthly feedback from students of class 6th and above about the performance of their teachers and carry out the GPS based attendance of teachers on daily basis.
The ceremony was attended by Principal Secretary Education; MD, Samagra Shiksha; Director School Education Kashmir/Jammu, Director Estates, Secretary JKBOSE and many other concerned officers.
Dr Mehta complimented the department for developing these applications and called them the powerful tools to take the education sector towards much higher efficiency and accountability. He remarked that these applications would ensure that an authentic feedback comes from the grassroots level from the ones who are directly involved in the learning process.
| Join Telegram Group | Click Here |
| Join WhatsApp Group | Click Here |
He enjoined upon the officers to monitor the progress at highest levels so that the results improve substantially. He maintained that the teachers in government sector are best in terms of qualifications and trainings and they just needs to focus more on academic activities to ensure improved results.
The Chief Secretary advised the department to make this feedback a benchmark while analysing the annual performance reports of the teachers. He said that the teachers who perform well, and are punctual and who also receive good feedback from students should be duly recognized and rewarded by the department. He observed that such teachers should be preferred in career progression and other recommendations.
The system named as “SAMIKSHA” as it will be reflecting the true performance of the Teachers with respect to their inputs in the actual classroom, leaving no space for subjectivity.
It was given out that the student feedback forms are designed to get feedback from students on different teaching-learning techniques in the institution. Besides the teachers are given unique usernames and passwords to verify their input and outcomes. The comprehensive report will be visible to all levels viz-Teachers, HOIs, ZEO, CEO, DSEK/J, and at UT level in the hierarchy.
The department has worked out some 25 parameters (questions) regarding teachers and school ambience, out of which 02 are optional. The school and teacher based questionnaire needs to be filled by the students once on monthly basis grading them on 5-point scale with Excellent, Very Good, Good, Average and Below Average results, as informed during the launch ceremony.
Another app launched today was ‘JK Attendance-SED’ available for downloading on both Android and iOS. The application will give a peek into the daily attendance of teachers to even Directors and CEOs. The application will capture live location of the employee with Geo Coordinates and even allow his/her time specific tracking.
The attendance system would reduce paperwork and save time and resources. It would eliminate the duplicate data entries and improve management of attendance across all schools.
The same application would enable employees to make leave requests online. It would automatically send it for necessary approval and keep his/her leave account safe for viewing by the higher authorities.
Later on the Chief Secretary also released ‘Whole School Safety’ manual. He called it a very important document prepared by the department. He observed that the safety of our children is all important and should be given priority over every other concern. He declared that this document is important and provides holistic approach for keeping children safe against hazards.
The Principal Secretary, School Education, Alok Kumar revealed that all of the digital applications besides the safety manual has been prepared in-house by the department employing its own personnel and resources. He gave out that he feels immensely pleased that Directorate of Samagra Shiksha has trained Key Resource Persons in this regard.
He stated that the necessary orientation of all CEOs/DIET principals and teachers as per the guidelines has also been done, which explicitly elaborate various kinds of vulnerabilities our children are exposed to and their remedies. The SOPs on current pandemic viz-a-viz the role and responsibilities of every individual concerned makes the document a comprehensive reference document.
The same is also an initiative of Samagra Shiksha which has been designed for creating a safe environment for children, starting from their homes to their schools and back, says the manual.
[ad_2]
#Important #Information #Teachers #Students
( With inputs from : kashmirpublication.in )
[ad_1]
JKBOSE Class 8th Date Sheet 2023 Kashmir Division
The date sheet for class 8th exams in Jammu & Kashmir UT is set to be released by the District Institute of Education and Training (DIET) in the coming days,
| Join Telegram Group | Click Here |
| Join WhatsApp Group | Click Here |
The Jammu & Kashmir government had previously announced that the exams for class 8th students would take place in the March session, instead of the previously scheduled October-November session.
It is advised that students stay informed and keep a close eye on official announcements from DIET and the Jammu & Kashmir government regarding the class 8th exams.
[ad_2]
#JKBOSE #Class #8th #Date #Sheet #Kashmir #Division
( With inputs from : kashmirpublication.in )
[ad_1]
The death toll from a massive earthquake that struck Turkey and Syria rose above 11,200 on Wednesday as rescuers raced to save survivors trapped under debris in the winter cold, media reported.
| Join Telegram Group | Click Here |
| Join WhatsApp Group | Click Here |
Officials and medics said 8,574 people had died in Turkey and 2,662 in Syria from Monday’s 7.8-magnitude tremor, bringing the total to 11,236.
As the scale of the disaster became ever more apparent, the death toll looked likely to rise considerably. One UN official said thousands of children may have died, reports said.
[ad_2]
#Turkey #Syria #earthquake #death #toll #nears
( With inputs from : kashmirpublication.in )
[ad_1]
JKB Car loan Scheme for purchase of Used cars for private use
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.
Term Loan
Minimum age at the time of loan application: 18 years
Maximum age at the time of loan maturity: 70 years
Notes:
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.
4% on the outstanding in respect of Fixed interest rate loan shifted to other banks + Applicable GST.
Nil for all other loans prepaid
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.
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)
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:
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.
Value of the vehicle shall be the lower of the following (subject to satisfaction of the BU Head and Advances In-charge):
| 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%. |
The post JK Bank Car loan Scheme for purchase of Used cars for private use appeared first on Kashmir Publication.
[ad_2]
#Bank #Car #loan #Scheme #purchase #cars #private
( With inputs from : kashmirpublication.in )