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  • Income Tax: Get this work done in 10 days, otherwise you

    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 )

  • 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 )

  • 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 )

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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

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    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 )

  • 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 )

  • 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

    1. Permanent Employees of State / Central Government, Semi-Government Undertakings, Institutions and Autonomous Bodies.
    2. 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
    3. 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).
    4. 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)
    5. Persons engaged in agricultural and allied activities.
    6. Pensioners of State/Central/UT Gov’t, PSU’s (Public Sector Undertakings), autonomous bodies and Institutions. (Family pensioners shall not be eligible).
    7. 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.
    8. Partnership firms and companies which have been in existence for a minimum of 02 years.
    9. 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.
    10. 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 year10%
    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 )

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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 

    Click Here To Download Pdf


    JkBose 12th Biology Guess Paper 2

    Click Here To Download Pdf

    Jkbose 12th Biology Guess Paper 3

    Click Here To Download Pdf

     

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    ( With inputs from : kashmirpublication.in )

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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

    Open KSA sc10thGuess

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    ( With inputs from : kashmirpublication.in )

  • Meet first lady ‘Kashmiri Wazas’ from central Kashmir

    Meet first lady ‘Kashmiri Wazas’ from central Kashmir

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    Kashmiri ‘Waza’ (Chef), is no longer a male dominated job in the Valley as for the first time, nearly half a dozen ladies from central Kashmir’s Ganderbal district under the assistance of J&K Rural Livelihoods Mission’s (JKRLM) UMEED scheme have successfully been able to serve famous delicacies to the people and have earned their name as well.

    One of the members of Self Help Group—Khushbu, Humaira told Asian News Hub (ANH) that they have been engaged with UMEED since 2013. “We faced many odds, but we never stopped as we knew that UMEED is going to provide us many benefits in the future,” she said.

    Besides Humaira, Ishrat Irshad, Zahida Basheer, Akhtar Jan and Yasmeena Bano are part of Khushbu Humaria, who hails from Lar area of Ganderbal, said that Kashmiri Waza was a male dominated job here, but they have managed to get engaged in the field and started their training at Solina.

    We have successfully set up our unit and are being invited for many functions like engagements and other marriage-related events as well,” she said.

    “Though, we don’t have any restaurant, but last year, we prepared food for the Amarnath yatries at the base camp while some of our girls are running a canteen at Rambagh as well,” Humaira said.

    Humaira is a member of SHG, who have installed their cart at NRLM’s SARAS here at Boulevard, Srinagar.

     

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    ( With inputs from : kashmirpublication.in )

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    Jkbose 11th Class Pass Marks Of All Subjects


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    11th Class Jkbose Overall Pass Marks of all Subjects:

    Subjects Theory of 70 Marks (Like Physics, Chemistry, Biology, EVs Etc) Pass Marks are 25 

    General English all Streams (Pass Marks 26)

    Subjects Theory of 80 Marks (Like Accountancy, Entrepreneurship Etc) Pass Marks are 29

    Subjects Having 100 Marks in Theory (Like Economics, Business Studies,Urdu, Math Etc) Pass Marks are 36.

    Keep Visiting on Our Website for More Study Materials and Important Updates.

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    ( With inputs from : kashmirpublication.in )