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Updated: 22 hours 44 min ago

LPG Connection Transfer Due To Change Of Address - Same City / Distributor (BharatGas, HPGas, And IndaneGas)

Thu, 20/12/2018 - 11:39
LPG Connection Transfer Due To Change Of Address - Same City / Distributor (BharatGas, HPGas, And IndaneGas)

In this article, we find a solution to which a situation arises for shifting / moving current residence location to another location in the same city and same serviceable area of the same LPG distributor. The procedure is very simple and common to all the 3 LPG companies ie., Bharatgas, HPGas and IndaneGas.

Stanly Chirayath Thu, 20/12/2018

Janaushadhi Medical Store or Jan Aushadhi Kendra or Jan Aushadhi Generic Drug Store

Wed, 19/12/2018 - 12:03
Janaushadhi Medical Store or Jan Aushadhi Kendra or Jan Aushadhi Generic Drug Store

Why pay more when you can get the same medicine at much lesser price? Avail the benefit at Jan Aushadhi Stores! Jan Aushadhi Stores is a chain of medical stores initiated by the Central Govt. to offer quality medicines at much cheaper prices. Currently most of the Indian states have presence of the Jan Aushadhi Medical Stores, strive to reach every important nook of villages, towns and cities.

Stanly Chirayath Wed, 19/12/2018

LPG Connection Transfer Procedures

Wed, 19/12/2018 - 11:56
LPG Connection Transfer Procedures

There are situations LPG Customers wanted to transfer LPG connection either existing location to a new address or another person's name. The LPG customers seeks their connection to be transferred due to various reasons such as, change of residence address, another family members, death, and so on. Here we look into various real life situations of Bharatgas, HPGas and IndaneGas LPG customers who want their existing connection to either one place to another place or one person to another person through Online or Offline methods.

Stanly Chirayath Wed, 19/12/2018 Conditions That LPG Customer Seeks Connection Transfers

Following are the conditions or situations, LPG customers want their connection to be transferred to another person or new location:

  1. Shifting residence to new location - only change of address (Within the Same City under same serviceable area of Same distributor)
  2. Shifting residence to new location - Within the Same City but different distributor
  3. Shifting residence to new location - Another City
  4. Due to Death of existing customer
  5. Within the family circle
  6. Outside the Family

 We'll look into each of the above cases in detail for Bharat Gas, Indane Gas and HP Gas.

List Of Socially And Educationally Backward Classes (SEBC) in Karnataka

Wed, 19/12/2018 - 11:52
List Of Socially And Educationally Backward Classes (SEBC) in Karnataka

1. Ezhavas including Ezhavas, Thiyyas, Ishuvan, Izhuvan, Illuvan and Billava

2. Muslims (all sections following Islam)

3. Latin Catholics other than Anglo-Indians

Stanly Chirayath Wed, 19/12/2018

List of Tamil Nadu Backward Classes (BC), Muslims and Most Backward Classes

Mon, 17/12/2018 - 19:59
List of Tamil Nadu Backward Classes (BC), Muslims and Most Backward Classes

Names of Backward Classes (BC) in Tamil Nadu listed below considering for Tamil Nadu PSC (TNPSC) job selection, admission preference for higher studies in Tamil Nadu, HSS, VHSS, ITI, Polytechnic, Medical, Engineering, Paramedicals etc. The list separately considered for Tamil Nadu Muslims backward Classes and Tamil Nadu Most Backward Classes.

Stanly Chirayath Mon, 17/12/2018

List Of Denotified Communities In Tamil Nadu

Mon, 17/12/2018 - 16:58
List Of Denotified Communities In Tamil Nadu

Names of Denotified Communities in Tamil Nadu listed below considering for Tamil Nadu PSC (TNPSC) job selection, admission preference for higher studies in Tamil Nadu, HSS, VHSS, ITI, Polytechnic, Medical, Engineering, Paramedicals etc.

Stanly Chirayath Mon, 17/12/2018

The Impact of PM MUDRA Yojana Or PM MUDRA Scheme In Indian Financial Sector

Sun, 16/12/2018 - 10:50
The Impact of PM MUDRA Yojana Or PM MUDRA Scheme In Indian Financial Sector

MUDRA is the acronym for Micro Units Development and Refinance Agency. The expanded form of MUDRA itself enough to define what is MUDRA ie., MUDRA aims and functioning to develop and refinance Micro entrepreneur units in India. More precisely, beneficiaries of MUDRA are to be one of Manufacturing (Non-farm enterprises), Trading, and Services. This agency, MUDRA is heavily supported by India Govt., and its liberalized financial services routed through or implemented by various Commercial Banks, Regional Rural Banks (RRB), Small Finance Banks, Micro Finance Institutions (MFI) and Non Banking Financial Company (NBFC) functioning across the country.

Stanly Chirayath Sun, 16/12/2018

Procedure of Youth Club Formation and Registration in India

Fri, 14/12/2018 - 19:23
Procedure of Youth Club Formation and Registration in India

Youth gather in occasions, rather chatting jokes or pressing like button on their Facebook account in their phone, they discuss the issues that affected commonly in their area; sometimes it would be their drinking water, interests, activities, hobbies etc. all has a common goal and interests.

Stanly Chirayath Fri, 14/12/2018

Income, Income Certificate and Application Form For Income Certificate

Fri, 14/12/2018 - 11:45
Income, Income Certificate and Application Form For Income Certificate

Are you expecting fee concession or scholarship for your children's education? Or wish to take a loan from Govt agencies? Or want to apply for a pension scheme? In all these and many more occasions, you may be asked submitting income certificate that issued by an authorized Govt official. Let's check what are the aspects lying on this important document; start from its definition what is Income Certificate, purpose, how to get it, who will issue, validity, application forms etc..

Stanly Chirayath Fri, 14/12/2018

List of Kerala OBC (Other Backward Classes)

Mon, 24/09/2018 - 19:07
List of Kerala OBC (Other Backward Classes)

Names of Other Backward Classes (OBC) in Kerala listed below considering for Kerala PSC job selection, admission preference for higher studies in Kerala, HSS, VHSS, ITI, Polytechnic, Medical, Engineering, Paramedicals etc.

Stanly Chirayath Mon, 24/09/2018

Download Salary Certificate Formats - Word, Excel and PDF

Sun, 23/09/2018 - 18:55
Download Salary Certificate Formats - Word, Excel and PDF

Salary certificate is an essential document for working employees to be used for availing financial assistance from Banks. When employee approaches a bank for car loan or housing loan, bank first inquire about repayment capacity of borrower. The best source bank rely on Salary certificate, issued by head of the department the employee works.

Stanly Chirayath Sun, 23/09/2018

List of Tamil Nadu Scheduled Castes (SC) and Scheduled Tribes (ST)

Mon, 18/12/2017 - 11:57
List of Tamil Nadu Scheduled Castes (SC) and Scheduled Tribes (ST)

Whether applying for a job through Tamil Nadu PSC or admission to higher studies like Secondary / Higher Secondary / Graduation or PG etc., some seats are reserved for selection relaxation. Following list showing Scheduled Castes (SC) and Scheduled Tribes (ST) in Tamil Nadu must be referred to fill-up the category of the candidate for eligibility.

Stanly Chirayath Mon, 18/12/2017

NFSA Ration Card Categories - Antyodaya (AAY), Priority (PHH), Non-Priority (NPHH), State Priority

Fri, 13/01/2017 - 10:38
NFSA Ration Card Categories - Antyodaya (AAY), Priority (PHH), Non-Priority (NPHH), State Priority

While NFSA taking action, general public try to understand facilities getting at their end from ration shops. Existing ration card owners and new applicants curious to know ration card types, categories, benefits, etc.. New applicants should compulsorily know how the NFSA selection criteria works to categorize Priority Household (PHH), and Non-Priority Household (NPHH).

Stanly Chirayath Fri, 13/01/2017

Sanchaya Online Payment Procedure for Local Self Govt. (LSG), Kerala - Building Property Tax / Fee

Mon, 02/01/2017 - 20:02
Sanchaya Online Payment Procedure for Local Self Govt. (LSG), Kerala - Building Property Tax / Fee

Kerala has become the first digital state in India. It was one among other achievements Kerala received. Some of them are 100 percent literacy, 100 percent mobile phone density, implementation of e-district, and CSC through Akshaya centres etc. Adding another feather, Kerala has implemented Sanchaya online services to collect fee and building taxes / property taxes through online.

Stanly Chirayath Mon, 02/01/2017

How to Change or Update Mobile / Phone Number In LPG Consumer Profile?

Tue, 03/05/2016 - 19:25
How to Change or Update Mobile / Phone Number In LPG Consumer Profile?

Though LPG customers seldom change their contact mobile phone / land phone number, occasions you must change phone number on your LPG Gas contact number such as switching new number due to bad service or low signal quality from mobile tower, change of name, error on system etc. Usually, it will come to our notice only when not receiving SMS confirmation after booking LPG Gas or using web portal. Here we find how a LPG customer can change or update their contact mobile / phone number.

Stanly Chirayath Tue, 03/05/2016

Changing Bank Account for LPG Subsidy - Online Method

Sun, 20/12/2015 - 20:00
Changing Bank Account for LPG Subsidy - Online Method

Our relationship with Banks may spoil over the period in different reasons and may have a thought to transfer some of the services or complete closing and opening a new relationship with another bank. If you have a second thought to change your LPG's DBTL (PAHAL) facility from one bank with another bank, you can shift PAHAL to the new bank using online procedure. A simple online facility provided by banks along with National Payment Corporation of India (NPCI).

Stanly Chirayath Sun, 20/12/2015

How To Change Bank Account For Receiving LPG Subsidy Amount Linking Aadhaar?

Tue, 20/10/2015 - 12:41
How To Change Bank Account For Receiving LPG Subsidy Amount Linking Aadhaar?

While DBTL getting momentum, people face different issues to their latest additions - LPG subsidy amount to Bank account. Have you ever thought of changing your bank account for receiving LPG subsidy? Do you have any issues with the bank you receive your subsidy? Among many issues, majority of the issue goes to "How to change my bank account for receiving the subsidy? It is quiet natural, one reason or the other, people want to to change their existing bank to another one. Here is the solution for how to change my bank account number for receiving the subsidy amount.

Stanly Chirayath Tue, 20/10/2015

Stock Statement For Bank Loan And Sample Format Download

Fri, 16/05/2014 - 12:25
Stock Statement For Bank Loan And Sample Format Download

Business means risk! Financial Institutions, for example banks, give business loans to customers based on calculated risk. After giving business loans, how banks take steps to monitor and overcome the risks involved in the deal? Here comes the importance of Stock Statement. Why does bank bother about the stock statement? Because, if you don't repay their amount taken as loan, bank has right to acquire your stocked goods or products and sell it out through auction method.

Stanly Chirayath Fri, 16/05/2014

Banking System

Tue, 25/12/2012 - 12:44
Banking System

The financial system is complex in structure and function throughout the world. It includes many different types of institutions: branch banks, insurance companies, mutual funds, stock and bond markets, and so on... all of which are regulated by government. The financial system channels billions of dollars per year from savers to people with productive investment opportunities.

Stanly Chirayath Tue, 25/12/2012

A healthy economy requires a financial system that moves funds from people who save to people who have productive investment opportunities. But how does the financial system make sure that your hard-earned savings get channeled to the productive investor rather than to non-productive investor?

The operations of Bank Branches (how they acquire, use, and manage funds make a profit) are roughly similar throughout the world. In all countries, banks are financial intermediaries in the business of earning profits.

What is a Bank?

The modern term ‘bank’ comes from the ‘banco’ or merchant’s bench in the marketplaces of medieval Italy: money dealing was conducted from a portable bench, which would be publicly broken in the event of failure of the merchant’s business - the origins of the concept of bankruptcy. But banking as an activity is much older. In ancient times the temple was likely to be the location of much of what we would recognise as banking business. In Mesopotamia, money could be borrowed at interest from the temple; in Greece, sanctuaries and temples were often the store house or place of safe custody for bullion and valuables; and in Jerusalem money-changers located in the temple precinct would exchange currency and allow interest on deposits with them.

The code of laws devised by Hammurabi, King of Babylon, between 2084BC and 2081 BC included references to charging interest on loans and a right of privacy in lending transactions.

These early examples include some of the ingredients of what have come to be regarded as the key characteristics of banking: taking money on deposit and lending. And the location within temples and their precincts would have provided another important ingredient - an air of security. Recognizable ‘bankers’ appeared again in the middle ages, financing trade and wars, including the crusades, although as Tyree notes, `it was not until comparatively modern times that the deposit of funds by the wider community with a banker who was then expected to use the funds at his or her discretion for commercial lending was established.

The historically close association of banking with trade means that the Law Merchant - a body of rules reflecting the custom of merchants which was once administered separately from the common law – is an additional historical source of what is now included in banking law.

Bank Branch and Banking

Bank is an institution which deals in money and credit. It accepts deposits from the public and grants loans and advances to those who are in need of funds for various purposes. Banking is an activity which involves acceptance of deposits for the purpose of lending or investing. In addition to accepting deposits and lending funds, banking also involves providing various other services along with its main banking activity. These are mainly agency services, but include several general services as well.

A banker is one who undertakes banking activities, accepting deposits and lending money for different purposes. The Banking Regulation Act, 1949 defines banking as an activity of accepting funds from the public for the purpose of lending or investment.

Banking provides safe, efficient and convenient mode of payment for goods in inland trade as well as in foreign trade. Banking helps business firms to overcome the problem of finance by lending money as and when required. Banks accept deposits and lend money. The other services of banks are: discounting of bills, collection of cheques, acting as agent. A bank accepts deposits on various accounts such as fixed deposit, savings, recurring deposit, and current. Loans are granted through over-draft, cash credit, loans and advances, discounting of bills.

Other services of banks include collection of payments on cheques, bills, drafts etc., sending money from one place to another, buying and selling securities, payment of insurance premium, issuing travellers cheques, providing locker system, and providing information on credit worthiness. Banks are of various types: commercial, agricultural, indigenous, rural, cooperative, exchange, central, etc. In fact banking is the lifeline of business.

Role of Branch Bank

Banking provides funds for business as well as personal needs of individuals. Hence the role of Banking has a significant function in the society. Look at some of the roles of Banking:

  • Branch Bank encourages savings habit amongst people and thereby makes funds available for productive use.
  • Branch Bank acts as an intermediary between people having surplus money and those requiring money for various business activities.
  • Branch Bank facilitates business transactions through receipts and payments by cheques instead of currency.
  • Branch Bank provides loans and advances to businessmen for short term and long-term purposes.
  • Branch Bank also facilitates import export transactions.
  • Branch Bank helps in national development by providing credit to farmers, small-scale industries and self-employed people as well as to large business houses which lead to balanced economic development in the country.
  • Branch Bank helps in raising the standard of living of people in general by providing loans for purchase of consumer durable goods, houses, automobiles, etc.
The Basics of Banking
  1. Savings accounts means number of withdrawals per quarter and amount of withdrawals per transaction in ATM
  2. Overdraft is allowed generally by banks in Current accounts
  3. A bank’s Fixed Deposits is characterized by Interest rate as agreed with the customer at the time of the deposit, Fixed period of the deposit and Periodical payment of interest
  4. Fixed deposits cannot be Transferred to third parties
  5. A Recurring Deposit account requires the customer to Deposit a fixed amount at specified intervals for a specified period
  6. Principal functions of banks are accepting deposits, Lending and investing & Non-fund business and remittance services
  7. Demand Deposits are those which can be withdrawn On Demand
  8. Current account deposits are not entitled to Interest
  9. In Saving account deposits, interest is paid on Minimum balance in the account between 10th to last day of month
The Essential Features Of Banking Activities

Accepting deposits from public and lending or investment of such deposits

Incidental to the activities of accepting deposits for lending or investing, banks undertake activities like:

  • Promoting and mobilizing savings of the public;
  • Providing funds to trade and industry by way of discounting bills, overdraft, cash credit facility, and transfer of funds from one place to another;
  • Providing agency services to customers, such as collection of bills, payment of insurance premium, purchase and sale of securities, etc., and other general services, such as issue of travellers’ cheques, credit cards, locker facility, etc;

Money deposited with the bank is assured as far as its safety is concerned. Further the depositor is allowed to withdraw it whenever required. Banks allow interest on deposits. Such interest helps in the growth of funds deposited with the bank. Thus the rate of interest provided on deposits acts as an incentive to the depositors.

Beware Of Fake Banking Offers And Hoax Calls From Fraudsters / Miscreants On Behalf Of A Bank And Other Institutions.

Computers and Our Life: How Have Computers Changed Our Life?

Thu, 20/12/2012 - 10:59
Computers and Our Life: How Have Computers Changed Our Life?

Computers and its uses grew rapidly and widely through out the world. They are used to deal with many tasks due to their various potential. It helps to resolve problems human life encounters in daily life. Therefore, they have more influence on our life. The impact of computer usage on our life obviously identified as Savings of Money, Time and Effort. To understand the depth of computer intervention in human life, have a look at developments happened in the areas of Communication, Education, Utility facilities and Health care.

Stanly Chirayath Thu, 20/12/2012

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