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  • JK Bank J&K Bank Cash Credit Scheme Salaried For Employees

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    NAME OF THE PRODUCT

    J&K Bank Cash Credit Scheme

    PURPOSE

    The product is aimed at addressing the cyclic liquidity needs of salaried employees.

    ELGIBILITY

    Permanent Employees of Central Government, and State Government / Semi-Government Undertakings & Autonomous Bodies drawing salary from our Bank.

    CLASSIFICATION

    • Non-Priority

    NATURE OF THE FACILITY / QUANTUM / REPAYMENT

    • The facility shall be revolving in nature up to 8 years before the age of retirement of the employee*. The drawing power (DP) will thereafter be reduced on borrower’s birthday every year on pro-rata basis by reducing the principal amount so that the facility gets adjusted by 1 year before the age of retirement. The annual reduction can be spread over four quarters.The interest will be serviced by the borrower as and when applied.
    • Under this scheme, the credit facility can be sanctioned in favor of employees who is nearing his/her date of retirement. However the facility will be sanctioned on drop line limit basis as under:
    Remaining ServiceMaximum Limit
    Up to 8 years6 times salary credited in the account or Rs. 6.00 Lakh, whichever is lower
    7 years5 times salary credited in the account or Rs. 5.00 Lakh, whichever is lower
    6 years4 times salary credited in the account or Rs. 4.00 Lakh, whichever is lower
    5 years3 times salary credited in the account or Rs. 3.00 Lakh, whichever is lower
    4 years2 times salary credited in the account or Rs. 2.00 Lakh, whichever is lower
    3 yearsequal to salary credited in the account or Rs. 1.00 Lakh, whichever is lower

    Quantum of finance:

    • Minimum: Rs. 50,000.00
    • Maximum : 6 times average of previous three month’s salary credited in the account; or Rs. 6, 00,000.00 whichever is lower.

    * The scheme is customized for all retirement age brackets that are in vogue in the Government service sector i.e. 60, 62 and 65 years.

    REPAYING CAPACITY

    • Stipulation of minimum take home salary shall not be insisted for this loan scheme, however the Interest outgo/ payable in this loan scheme shall be added to deduction for granting loan (s) under other schemes of the bank.

    AGE OF THE APPLICANT

    • Minimum age of Applicant: 21 years.
    • Maximum at the time of loan Maturity: One year before the age of retirement.

    REPAYING CAPACITY

    • Stipulation of minimum take home salary of 40% shall not be insisted for this loan scheme, however the Interest outgo/ payable in this loan scheme shall be added to deduction for granting loan (s) under other schemes of the bank.

    MARGIN

    • NIL

    SECURITY

    • Primary: NIL
    • Collateral: NIL

    PROCESSING CHARGE

    • 0.25% of the loan amount plus GST,
      • Minimum of Rs. 500.00 plus GST.
      • Maximum of Rs. 1000.00 plus GST.

    RATE OF INTEREST (SUBJECT TO CHANGE)

    • 1 year MCLR+3.50 p.a. fixed Rate of Interest with monthly rests and Annual Reset.

    Click here for rate of Interest

    PRE-PAYMENT

    • No penalty on prepayment or / and foreclosure of the loan.

    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    The post JK Bank J&K Bank Cash Credit Scheme Salaried For Employees Check Features and Benefits appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

  • J&K Bank Cash Credit Scheme For Employees Check Features and Benefits

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    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    NAME OF THE PRODUCT

    J&K Bank Cash Credit Scheme

    PURPOSE

    The product is aimed at addressing the cyclic liquidity needs of salaried employees.

    ELGIBILITY

    Permanent Employees of Central Government, and State Government / Semi-Government Undertakings & Autonomous Bodies drawing salary from our Bank.

    CLASSIFICATION

    • Non-Priority

    NATURE OF THE FACILITY / QUANTUM / REPAYMENT

    • The facility shall be revolving in nature up to 8 years before the age of retirement of the employee*. The drawing power (DP) will thereafter be reduced on borrower’s birthday every year on pro-rata basis by reducing the principal amount so that the facility gets adjusted by 1 year before the age of retirement. The annual reduction can be spread over four quarters.The interest will be serviced by the borrower as and when applied.
    • Under this scheme, the credit facility can be sanctioned in favor of employees who is nearing his/her date of retirement. However the facility will be sanctioned on drop line limit basis as under:
    Remaining ServiceMaximum Limit
    Up to 8 years6 times salary credited in the account or Rs. 6.00 Lakh, whichever is lower
    7 years5 times salary credited in the account or Rs. 5.00 Lakh, whichever is lower
    6 years4 times salary credited in the account or Rs. 4.00 Lakh, whichever is lower
    5 years3 times salary credited in the account or Rs. 3.00 Lakh, whichever is lower
    4 years2 times salary credited in the account or Rs. 2.00 Lakh, whichever is lower
    3 yearsequal to salary credited in the account or Rs. 1.00 Lakh, whichever is lower

    Quantum of finance:

    • Minimum: Rs. 50,000.00
    • Maximum : 6 times average of previous three month’s salary credited in the account; or Rs. 6, 00,000.00 whichever is lower.

    * The scheme is customized for all retirement age brackets that are in vogue in the Government service sector i.e. 60, 62 and 65 years.

    REPAYING CAPACITY

    • Stipulation of minimum take home salary shall not be insisted for this loan scheme, however the Interest outgo/ payable in this loan scheme shall be added to deduction for granting loan (s) under other schemes of the bank.

    AGE OF THE APPLICANT

    • Minimum age of Applicant: 21 years.
    • Maximum at the time of loan Maturity: One year before the age of retirement.

    REPAYING CAPACITY

    • Stipulation of minimum take home salary of 40% shall not be insisted for this loan scheme, however the Interest outgo/ payable in this loan scheme shall be added to deduction for granting loan (s) under other schemes of the bank.

    MARGIN

    • NIL

    SECURITY

    • Primary: NIL
    • Collateral: NIL

    PROCESSING CHARGE

    • 0.25% of the loan amount plus GST,
      • Minimum of Rs. 500.00 plus GST.
      • Maximum of Rs. 1000.00 plus GST.

    RATE OF INTEREST (SUBJECT TO CHANGE)

    • 1 year MCLR+3.50 p.a. fixed Rate of Interest with monthly rests and Annual Reset.

    Click here for rate of Interest

    PRE-PAYMENT

    • No penalty on prepayment or / and foreclosure of the loan.

    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    The post J&K Bank Cash Credit Scheme For Employees Check Features and Benefits appeared first on Kashmir Publication.

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    #Bank #Cash #Credit #Scheme #Employees #Check #Features #Benefits

    ( With inputs from : kashmirpublication.in )

  • Isha prayers to be offered at 10 pm at Jamia Masjid, 10:30 pm

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    Isha prayers to be offered at 10 pm at Jamia Masjid, 10:30 pm at Hazratbal Shrine


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    Srinagar, Mar 07: On the occasion of Shab-e-Baraat, Isha prayers will be offered at historic Jamia Masjid Srinagar at 10 pm and and at the revered shrine of Hazratbal at 10:30 pm respectively.

    Anjuman Auqaf Jamia Masjid told news agency—Kashmir News Observer (KNO) that after Isha prayers at the Jamia Masjid Srinagar, night-long prayers will start where special repentance prayers will be held.

    They also demanded release of chief cleric Mirwaiz Umar Farooq who continues to remain under house detention since August 5, 2019.

    Meanwhile, one of management members at Hazratbal Shrine said huge gathering of devotees is expected at the revered shrine for the night-long prayers. The shrine houses holy relic of Prophet Muhammad (SAW)—(KNO)

    8A1DA12E 3262 4448 A981 E964625BDEF6

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    ( With inputs from : kashmirpublication.in )

  • Govt Orders Transfer Posting Of IAS Officers

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    Srinagar, Mar 04: The Jammu and Kashmir government on Monday order transfer and posting of two IAS officers.

    According to a government order, Dr. Mandeep Kumar Bhandari, IAS (AGMUT:2001), awaiting orders of adjustment, is posted as Principal Secretary to the Lieutenant Governor.

    He shall also hold the charge of the post of Chief Executive Officer, Shri Amarnathji Shrine Board, in addition to his own duties.

    Dr. Syed Abid Rasheed Shah, IAS (AGMUT:2012), Administrative Secretary, Culture Department, holding additional charge of Chief Executive Officer, Economic Reconstruction Agency, J&K, is transferred and posted as Administrative Secretary, Tourism Department relieving Sarmad Hafeez, IAS, of the additional charge of the post.”

    He shall also hold the charge of Administrative Secretary, Culture Department and Chief Executive Officer, Economic Reconstruction Agency, J&K, in addition to his own duties, till further orders.

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    ( With inputs from : kashmirpublication.in )

  • JKBOSE Annual Class 11th Exam Begins in Soft Zone Areas

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    Srinagar: The annual (regular 2023) examination of class 11th students  commence from Monday in soft zone areas of Kashmir.

    As many as 67,458 students of soft zone areas have registered for the class 11th examination for which the J&K Board of School Educatíon (BOSE) has set up 622 examination centres.

    The date-sheet for the annual regular 2023 examination of class 10th to 12th students in soft zone areas was notified in February this year.

     

    As per the date-sheet issued by the Director Academics JKBOSE, the examination of class 11th students in soft zone areas  commence from March 6 of 2023 and culminate on April 19.

    The examination of class 10th students in soft zone areas would commence from March 9, 2023, and culminate on April 5.

    The examination of class 12th students would commence from March 8 and culminate on April 2, 2023.

     

    As per the figures produced by the J&K BOSE, around 2,13,104 students – 1,97,890 of soft zone and 15,214 students of hard zone areas are scheduled to appear in class 10th to 12th annual regular (2023) examination. The J&K Board has set up 2069 examination centres including 1886 centres in soft zone areas and 183 centres in hard zone areas.

    Notably, this is the first J&K Board examination conducted in the month of March post adoption of National Academic Calendar and implementation of National Education Policy (NEP), 2020m by the J&K government.

     

    The J&K Board has already notified the soft and hard zone areas of Kashmir and Jammu divisions.

    As per the BOSE, around 444 schools – 135 in Kashmir division and 309 in Jammu fall in hard zones while seven zones of Kargil district and whole Ladakh area fall in hard zones.

    In Kashmir division, 43 schools of Anantnag, 19 in Bandipora, 32 in Kupwara, 28 in Kulgam, and 13 in Budgam fall in hard zones.

    In the Jammu division, 50 schools of Kishtwar, 47 in Reasi, seven in Rajouri, 20 in Poonch, 56 in Doda, 64 in Ramban and 65 schools of Udhampur fall in hard zones.

     

    The examination of students in hard zone areas is scheduled to commence from April 2023.

    Joint Secretary J&K BOSE Prof Aijaz Ahmad Hakak told GK that the date-sheet for the students of hard zone areas would be notified later, separately. Greater Kashmir

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    ( With inputs from : kashmirpublication.in )

  • NSP Scholarship Money Credited In Students Bank Accounts

    NSP Scholarship Money Credited In Students Bank Accounts

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    NSP Scholarship Money Credited In Students Bank Accounts – AADHAAR Based Payment


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    NSP Scholarship Money Credited In Students Bank Accounts – AADHAAR Based Payment

    In this article we will briefly discuss about NSP Scholarship Money Credited In Students Bank Accounts – AADHAAR Based Payment

    Check all essential details below

    NSP Scholarship Money Credited In Students Bank Accounts – AADHAAR Based Payment NSP Scholarship Money Credited In Students Bank Accounts – AADHAAR Based Payment.

    NSP Scholarship  2023 Amount  Successfully  Credited  in students  bank account

    Students who have successfully gone through various levels of verification are now waiting for their scholarship amount. As per latest news, scholarship amount has been credited to various students in many states. Students are advised to keep checking their NSP payment status daily. We will provide you full procedure to check your payment status easily.

    How to Check NSP Scholarship Payment Status

    Steps to be followed are given as:

    • Click on the link below.
    • Now login in by entering your login details.
    • After successfully login in, Click on ‘CHECK PAYMENT STATUS‘
    • Enter the details there like account number, DOB etc.
    • Finally, Click on search button.

    After this process, your NSP Payment Status will be displayed.

    CLICK HERE

    NSP Scholarship 2023 AADHAAR Based Payment

    Applicants/Students who have entered Aadhaar in their online application correctly and if their Aadhaar is linked to any of their bank account, in such cases the amount of Scholarship will be credited to that Aadhaar linked bank account only even if the student has mentioned any other non-Aadhaar linked bank account in her/his online application.

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    ( With inputs from : kashmirpublication.in )

  • %%title%%

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    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    CASH CERTIFICATE SCHEME (CCR)

    • Cumulative Term Deposit Scheme in which Compound interest is paid at the time of maturity.

    ELIGIBILITY

    • Resident Individuals (sole or joint account)
    • Hindu Undivided Families.
    • Minor through parents/guardian.
    • Sole Proprietorship Concerns, Partnership Firms
    • Private and Public Limited Companies
    • Associations, Clubs, Societies, Trusts etc.

    FEATURES & BENEFITS

    • Deposit Amount: Rs. 1000/- and above.
    • Tenure: 07 days to 10 years.
    • Interest rate: Fixed.
    • Interest application: Quarterly Compounding basis.
    • Interest payouts: On maturity.
    • Add-ons: Loan facility up to 90% of amount deposited plus interest accrued.
    • Premature withdrawal: Allowed with penalty.
    • Interest on  premature withdrawal will be paid at 0.50% below the rate applicable for the period the deposit remained with the bank, provided the deposit has remained with the bank for at least 7 days.
    • However, no interest will be paid on Deposits which remain for a period of less than 7 days.

    TDS

    • TDS at prevalent rate is deducted at source if Form 15G/15H not submitted.

    DOCUMENTATION

    • Filled in Application Form.
    • Photograph of depositor/s (2 copies)
    • Officially Valid Documents as  per KYC Norms
    • PAN Card or Form 60 or 61
    • Any other related documents as applicable to Minors, Partnership Firms, Companies, HUF’s etc

    RATE OF INTEREST (SUBJECT TO CHANGE)

    Click here for rate of Interest

    FAQS

    • What is the eligibility for opening an account under Cash Certificate Scheme of J&K Bank?
      Accounts under Cash Certificate Scheme can be opened by individuals , either singly or jointly, Parents/ Guardians on behalf of minors, Sole proprietorship firms,  Partnership firms,  Private and Public Limited Companies , HUFs, Associations, Societies, Trusts, etc.
    • What is the minimum amount required for opening account under the Cash Certificate Scheme?
      You can open an account under this scheme with an amount of Rs 1000 and above.
    • What are the tenures for which the accounts can be opened?
      You can open an account for any tenure ranging from 07 days to 10 years.
    • Is interest under this scheme applied on Simple or Compound basis?
      Compound interest is provided under this scheme.
    • Is loan facility available against the deposit amount?
      Loan facility up to a maximum of 90% of amount deposited plus interest accrued if any, is available.
    • Can I withdraw my deposit prematurely?
      Yes, but penal interest, as applicable, shall be charged on such pre-mature withdrawals.

    8FE7849C B144 4498 8FF8 2D1476C6FAB6

    The post JK Bank Cash Certificate Scheme Check Benefits and Features appeared first on Kashmir Publication.

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    ( With inputs from : kashmirpublication.in )

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    6EA55DBE AD61 4C60 AF29 CCA26850CA49

    SBI Bank Car Loan Scheme With Low Interest Check Eligibility


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    SBI offers you the best deal for financing your new car. Lowest interest rates, lowest EMI, minimal paperwork and quick disbursement.

    Salient Features

    • Lowest Interest Rates & EMI;
    • Longest Repayment Tenure (7 years);
    • Financing on ‘On-Road price’:
    • On-Road price includes Registration & Insurance.
    • Interest calculated on Daily Reducing Balance;
    • For purchase of new passenger cars, Multi Utility Vehicles (MUVs) and SUVs.

    Flexi pay option in car loan

    Bank has exclusive Flexi pay option for its customer. Under Flexi pay option, borrowers can choose either of the below 2 options

    • First 6 months EMI to be 50% of Regular EMI applicable, provided, the tenure of loan is minimum 36 months.
    • First 6 months EMI to be 50% of Regular EMI applicable & next 6 months 75% of Regular EMI applicable, provided, the tenure of loan is minimum 60 months.
    • Dial 1800-11-2211 for more information/ applying through Contact Centre
    • Give a Missed Call on 7208933142 or SMS “CAR” on 7208933145to get a call back from our Contact Centre

    Eligibility

    • To avail an SBI Car Loan, you should be an individual aged 21 to 70 years, belonging to one of the following 3 categories:
    CategoryIncome CriteriaMax. Loan Amount
    Regular employees of Central Public Sector Enterprises (Maharatnas/ Navratnas/ Miniratnas).   Defence Salary package (DSP), Para Military salary package (PMSP) & Indian Coastal Guard Package (IGSP) Customers and Short Commissioned Officers of various Defence establishments.Net Annual Income of applicant and/or co-applicant if any, together should be a minimum of Rs. 3,00,000/-.48 times of the Net Monthly Income.
    Professionals, Self-employed, Businessmen, proprietary/partnership firms and others who are income tax assessesNet Profit or Gross Taxable income of              Rs. 3, 00,000/- p.a.
    (income of co-applicant can be clubbed together).    		4 times Net Profit or Gross Taxable income as per ITR after adding back depreciation and repayment of all existing loans.
    Persons engaged in agriculture and allied activities. Income Tax return is not required in case of agriculturists.Net Annual income of applicant and/or co applicant together should be a minimum of Rs. 4, 00,000/-.3 times of Net Annual Income.

     

    Documents Required

    You would need to submit the following documents along with the completed application form:

    Salaried

    • Statement of bank account for last 6 months.
    • 2 passport size photographs
    • Proof of Identity
    • Address Proof
    • Income Proof: Latest Salary Slip, Form 16
    • I.T. Returns or Form 16 for the last 2 years.
    • Proof of Identity : – (Copy of any one) Passport/ PAN Card/ Voters ID card/ Driving License etc. Address Proof :- (Copy of any one) Ration card/Driving License/Voters ID card/Passport /Telephone Bill/ Electricity bill/Life Insurance policy

     

    Non-Salaried/ Professional/Businessmen

    • Statement of bank account for last 6 months.
    • 2 passport size photographs
    • Proof of Identity
    • Address Proof
    • Income Proof: ITR for last 2 years
    • I.T. Returns or Form 16 for the last 2 years.
    • Audited Balance sheet, P&L statement for 2 years, Shop & establishment act certificate / sales tax certificate / SSI registered certificate / copy of partnership.

    Person engaged in agricultural and allied activities.

    • Statement of bank account for last 6 months.
    • 2 passport size photographs
    • Proof of Identity
    • Address Proof
    • Direct agricultural activity (crop cultivation):
      Khasra/Chitta Adangal (showing cropping pattern) Patta/Khatoni (showing land holding) with photograph. All land should be on free hold basis and ownership proof to be in the name of borrower.
    • Allied agricultural activity (like Dairy, Poultry, Plantation/ Horticulture)
      Documentary proof of running of the activities to be provided.