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Who can open an account under Smart Saver Deposit Scheme of J&K Bank?
Accounts under this scheme can be opened by:
- Individuals, singly or joint, and HUF (Hindu Undivided Families) shall be eligible to open Smart Saver accounts linked with savings bank accounts.
- Individuals, Sole Proprietorship, HUF, partnership firms and limited companies shall be allowed to open smart saver account linked with current accounts.
- What are the tenures for which the accounts can be opened?
  You can open an account for the following tenures:
1. Core Deposit: 1 year to 10 years.
  Linked Deposits: 180 days.
- What are the value additions of this scheme?
The product provides both liquidity as well as high returns through Auto Sweep and Reverse Sweep.
Under Auto Sweep, the amount in the operative account beyond the threshold minimum balance (minimum floor balance) is auto swept to form linked term deposits.
Under this facility, the deposit amount in the linked Smart Saver Term Deposits (not the Core Deposit) is available for clearing of debit instruments (cheques, standing instructions, ATM transactions, etc) in case the balance in the operative account is not sufficient.
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( With inputs from : kashmirpublication.in )
March 25, 2023
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RAMADAN TIMETABLE (SEHRI/IFTAR) For Jammu Kashmir

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( With inputs from : kashmirpublication.in )

March 23, 2023
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KARACHI: Pakistan will likely observe the first day of Ramadan on March 23, a top weatherman said Monday, as the nation readies itself for the holy month’s festivities and prayers.
In conversation with Geo.tv, Chief Meteorologist Sardar Sarfaraz said that the chances of the holy month of Ramadan falling on March 23 were high, therefore, the first fast was likely to be observed on Thursday.
However, he said that the sky should remain clear so that the moon can be easily sighted.
Meanwhile, Pakistan Meteorological Department (PMD) said Friday that rainfall is expected to start from the beginning of the holy month of Ramadan.

According to the Met department, the country is likely to witness rain in the last days of March. However, the second and the last Ashra of Ramadan is expected to remain relatively hot.
Meanwhile in Saudi Arabia, too, the first day of Ramadan is on March 23.
According to the report from an Arab media outlet, Dr Abdullah Al-Massand, a former professor of astronomy at Al-Qassim University in Saudi Arabia and deputy chairman of the Meteorological Society, said that the first day of Ramadan is expected to be observed on March 23.
Dr Massand was of the view that the holy month of Shaban will have 30 days because, on the 29th of Shaban, the “crescent will be lightening just before nine minutes after the sunset”.
He also said that the convergence of the sun and the moon will be taking place on the 29th of Shaban which means on the evening of March 21 at 8:23pm. Therefore, he added, the first day of Ramadan will be observed on March 23.
Prior to this, Ibrahim Al-Jarwan, Chairman of the Board of Directors of the Emirates Astronomy Society, had also forecast that the first day of the holy month would likely be observed on March 23 with Eid ul Fitr likely taking place on April 21.
According to the Saudi government, after the sunset of March 21, the sighting of the moon for the holy month will begin.
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( With inputs from : kashmirpublication.in )

March 22, 2023
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Fact-check: Three killed in Kupwara? Truth behind viral photo here

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A photograph of a wrecked building has been doing rounds within communities on social media platforms, claiming to be located in north Kashmir and hit by the earthquake Tuesday evening.
Several claims have been attached with the photograph, including the death of three persons in Kupwara. Even more absurd, a police station. Or a regional politician’s residence.
However, when the image was reverse searched by The Kashmir Walla, it was found to be a building from Turkey. It was clicked by Firat Ozdemir for Anadolu Agency.
The country was hit by repeated fatal earthquakes in February this year that killed over 60,000 people.
A Kupwara District Administration official confirmed to The Kashmir Walla that no casualties have been reported in Tuesday evening earthquake.

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( With inputs from : kashmirpublication.in )

March 21, 2023
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Graphic shows large earthquake logo over broken earth and Richter scale reading

Strong Earthquake Of 6.6 Magnitude Shakes J&K

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Srinagar : A strong earthquake of magnitude 6.6 on the Richter scale occurred on Tuesday night in Jammu and Kashmir, triggering panic among the people who rushed outside their homes and called their loved ones to enquire about their wellbeing.
The high-intensity earthquake occurred 22:10:27IST. The earthquake was at the latitude 36.09 degrees north and longitude 71.35 degrees east, a meteorological department official here told GNS. The epicenter was Hindu Kush Region, he said.
There was no immediate report of any damage in the earthquake which caused panic among the people who rushed out of their houses. (GNS)

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( With inputs from : kashmirpublication.in )

March 21, 2023
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Crescent not seen in Saudi, fasts from Thursday

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Ramadan 2023 moon sighting LIVE updates: The Central Moon Sighting Committees in Saudi Arabia, UAE and other Muslim-majority nations could not sight the Ramadan crescent moon or Ramzan Chand on Tuesday evening, March 21, 2023 i.e. 29th Shaban 1444 AH

Fasting during the month of Ramadan, also known as Ramzan/Ramazan/Ramzaan is one of the five pillars of Islam during which they abstain from eating, drinking, smoking, evil thoughts and action and having marital relations from dawn until sunset. Ramadan is the ninth month of Islamic calendar that takes place for 720 hours i.e. four weeks and two days during which the followers of Islam fast between dawn and sunset, pray for peace and guidance, give back to the community in the form of charity or zakaat or engaging in humanitarian activities such as feeding the underprivileged and introspect to enlighten their souls.
The crescent moon of Ramadan 2023 is expected to be sighted in some parts of the world tonight i.e. March 21 with Saudi Arabia, UAE, UK and Australia gearing up to mark the first fast of Ramadan 2023 tomorrow, March 22. Ramadan, also known as Ramazan or Ramzan or Ramzaan, may begin in India, Pakistan, Bangladesh and other South Asian countries a day later i.e. from the evening of March 23 or 24, Ramadan 1444 AH when the first fast will be observed depending upon the sighting of the crescent moon.
The fasting date changes yearly because the Islamic calendar is based on the lunar cycle hence, its starting and end date depends upon the sighting of the crescent moon. Usually, the crescent of Ramadan is first sighted in Saudi Arabia and some parts of India along with some Western countries and then usually a day later in the rest of India, Pakistan, Bangladesh and other countries.

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( With inputs from : kashmirpublication.in )

March 21, 2023
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Big Update Regarding 1st Ramazan In Pakistan & J&K

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Ramzan 2023 The First Roza Of Ramadan From This Date
Ramzan 2023 In Pakistan, the first of Ramadan is likely to fall on Thursday, March 23: PMD
The Pakistan Meteorological Department (PMD) Monday forecast that there is a strong possibility that the crescent for Ramadan 2023 will be sighted on the evening of March 22 (Wednesday).
The update was shared by the Met department’s Climate Data Processing Centre. This means the first of Ramadan is likely to fall on Thursday, March 23 in Pakistan.
According to the climate record, the weather is expected to be fair and partly cloudy in most parts of the country during the Ramadan moon sighting time.
Earlier, chief meteorologist Sardar Sarfaraz had told Geo News that the chances of the holy month of Ramadan falling on March 23 were high, therefore, the first fast was likely to be observed on Thursday.
He had also said that the sky was expected to remain clear so the moon could be easily sighted.
Meanwhile, the PMD had said last week that rainfall was expected at the start of the holy month of Ramadan.
Muslims throughout Pakistan and the rest of the world observe the month of Ramadan annually. It is the holiest month in the Islamic calendar during which Muslims abstain from food and drink from dawn until dusk.

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( With inputs from : kashmirpublication.in )

March 21, 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
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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