It’s a memorable day in their career for the students of Melvisharam Muslim Education Society (MMES) Arts & Science College for Women. A total of 459 candidates received their degrees at the 5th Graduation Day of the Melvisharam Muslim Education Society (MMES) Arts & Science College for Women in Melvisharam on Sunday.
Fifteen of them are university rank holders of Thiruvalluvar University, Vellore — seven postgraduates and eight graduates.
Vice-Chancellor of Tamil Nadu Open University Dr. (Mrs.) Chandrakantha Jeyabalan, delivered the Graduation Day Address and distributed the certificates to the candidates in the presence of S. Ziaudeen Ahmed, General Secretary and K. Anees Ahmed, Correspondent of the college. Freda Gnanaselvam, Principal coordinated the programme.
Following are the University rank-holders:
Arifa and Thasleemunnisa C. (I and II rank, M.Sc. Biotechnology);
Pavithra K. (III rank, B.A. English);
Suhajidha Thabasum S. (III rank, B.Sc. Computer Science);
Arifa Yasmeen F. (III rank, M.A. English);
Noorunisha M. (V rank, BBA);
Srimathi R. (V rank, B.Sc. Biotechnology);
Jansi Priyanka J. (VI rank, BBA); Anitha S. (VI rank, M.A. English);
Sogarunnisa H. (VI rank, B.Sc. Biotechnology); Shabnam Shereen A. (VI rank, M.Sc. Biotechnology);
Suganya S. (VII rank, M.A. English); Asma Afreen M.H. (IX rank, B.Sc. Biotechnology);
Sohaniya Taj H. (X rank, B.Sc. Biotechnology); Sopna R. (X rank, M.Sc. Biotechnology).
MC congratulates the graduates for their achievements, also their parents for their children’s accomplishment, and wishes the graduates to take their dreams to the corners of their smiles, to the highest of their hopes, to every windows of their opportunities in their careers!
Apollo KH Hospital is conducting a free medical
check-up in its campus at Melvisharam to celebrate World Heart Day on Tuesday,
Sep 29, 2015. This free medical check-up will be conducted from 8 AM to 1 PM in
its campus. Blood Pressure, Sugar Level, ECG and Cardiologist's consultation,
etc will be carried out free of cost. General public are requested to utilize
the opportunity and benefit from the programme.
Patna : Muslims of Patna are facing a major embarrassment due the behavior of passport officials of Patna nowadays, Officials are forcing to remove the skull caps while having a snap for passport to go to HAJ. It is happening every day.
All Haj going people are very much humiliated about the attitude and behavior of Patna Passport Officials. A number of people have opposed the removal of the cap while snapping but the officials said that it is a law.
According to Article 25 it has been very clearly mentioned that anyone can wear dress according to his religion.
A lot of complaints are there the caps of would be HAJI are being removed forcibly. Central and State Administration must take immediate action regarding this.
It is to be noted that Muslims men and women were asked to remove their VEIL and CAP while getting a snap for ADHAR CARD. A number of social activists have objected about it that time.
On asking a question about what is your plan after
plus two to any Visharami students, the answer without a thought is engineering
irrespective of career plans or huge fees. They feel that engineering alone can
keep their status while the rest of other courses are nebulous. Student here in
Visharam do not plan for their career, the just get into what others are doing,
so-far not a single student have planned to become a Journalist or Psychologist
or Sociologist or Geologist or Social Work or Physicist etc.
The same is the case for Vaniyambadi where Prof. Mohammed Suhail gives his thoughts in
his FB page. Here is the extract below:
Kind Attention: PLUS TWO GRADS
Students are no more interested in the SCIENCES.
At home, Islamiah College (Autonomous), Vaniyambadi
B.Sc, M.Sc., M.Phil., & Ph.D in PHYSICS
WOULD YOU LIKE TO BECOME A PHYSICIST
What Can You Do With a College Degree in Physics?
The answer most appropriate for this question is:
anything she wants to do. However, while some physics majors go on to become
professional physicists, the majority pursue careers in fields where they can
put their knowledge to more practical applications. With their skills in
problem-solving, mathematical reasoning, computer programming, and organizing
and interpreting scientific data, physics grads can move into government and
industrial jobs that require an ability to think logically and creatively.
Physics majors are well-suited to jobs that require step-by-step problem
solving using math skills and good observational and communication skills.
A wide range of industries seeks physics graduates:
telecommunications, industrial physics, hospital physics, electronics,
computing, quality control testing, banking, insurance, teaching, management,
technical sales and the armed forces, for starters. Students who become
physicists tend to specialize in one or more areas of physics, such as:
The National Assessment and Accreditation Council
(NAAC) has awarded `A’ grade to the C. Abdul Hakeem College of Engineering and
Technology (CAHCET), Melvisharam.
The college was assessed by a strong peer team.
According to a press release from the college, the
peer team was led by B.S. Sonde, former Vice-Chancellor, Goa University.
The members comprising the team included N.
Alagumurthy, Professor, Pondicherry Engineering College and Member Coordinator,
and Vilas V. Karjinni, Principal, Kolhapur Institute of Technology and College
They visited the college for three days, March 26 to
28, 2015. A number of factors were taken into account for assessment.
They verified the infrastructural facilities and
quality of academic activities through interactions with the teaching and
non-teaching staff, students, parents, alumni, management, Internal Quality
Assurance Cell and the Principal.
water will be supplied to Vellore Corporation and the surrounding village
panchayats from the second week of April, according to R. Nanthagopal,
Collector of Vellore District.
will be pumped from the Cauvery River near Chekkanur Barrage downstream of
Mettur Dam and treated at a plant at Thottilpatti village near Mettur in Salem
district under the Rs.1,295-crore Combined Drinking Water Supply Scheme (CWSS).
The Collector, along with School Education Minister K.C. Veeramani, inspected
the pipeline, from which Cauvery water flowed from the pipeline into the Palar
River, at Venkatapuram, in Pudu Vasur village panchayat near here on Saturday.
to newspersons, Mr. Nanthagopal said that the trial run of CWSS commenced on
March 26, with the raw water reaching Kodiyur near Jolarpet. “During the trial
run, we are cleaning the overhead tanks and the pipelines which have become
dirty and silted up. Once the trial run with raw water is over, treated water
would be released into the pipelines from Tirupattur up to Vellore, benefiting
the people from the second week of April,” he said.
Collector said that when completed, the CWSS would benefit 15 lakh persons in
Vellore Corporation, 11 municipalities (Tirupattur, Jolarpet, Vaniyambadi,
Ambur, Pernambut, Gudiyatham, Melvisharam, Arcot, Ranipet, Walajapet and
Arakkonam), five town panchayats (Natrampalli, Udayendram, Alangayam, Odugathur
and Pallikonda) and 944 rural habitations in 14 panchayat unions.
to a question, Mr. Nanthagopal said that treated water would be released only
up to Vellore in the second week of April.
cleaning the tanks and pipelines, water would be released to areas between
Vellore and Arakkonam 10 days after the release in Vellore, possibly before the
end of April, he said.
Veeramani said people of Tirupattur, Ambur and Vaniyambadi have already started
using the water released under CWSS after the trial run commenced last week.
about the agitation proposed to be conducted by the DMK in Vellore under the
president ship of DMK Treasurer M.K. Stalin on Monday to demand the expeditious
completion of the works connected with the CWSS, the Minister said that the
proposed agitation was a ‘cheap publicity stunt’ of the DMK.
This article is written
by Fazeek Kazi and is an extract from his blog Islamic Personal
Investing with little added / modified scheme list for tax
saving plans. The article is solely his personal views concluding that there is
no halal tax saving investment in India and written in January 14, 2012.
Halal Tax Saving Investments in India
This article only
discusses tax saving through investments; it doesn't discuss about other tax
saving options. There are ways to reduce taxes through deductions and I'll
discuss the same in another article. Let me get straight to the point, I
feel THERE IS NO HALAL TAX SAVING
INVESTMENT IN INDIA.
You can continue reading
further to know the reasons for the same. I am not even going into the stupid
arguments that interest is allowed, small percentages are fine, interest in not
usury, riba stands only for usury and not interest. Allah has given us brains
to think and the Quran/ Sunna as a guide; every person is capable of
investigating and finding out what is allowed and what is not.
Interest Based Investments
All these schemes are
Interest based ones and hence obviously haram.
Pure Life Assurance and Medical Insurance (for self and parents) is fine and a
good tax deduction; but it is not literally an investment. You do not get any
Most of the insurance schemes in India are investment based and none are halal.
The following popular ones have Interest components:
5.Any of the Jeevan ****** from LIC
ULIP (Unit Linked Insurance Plan)
These are somewhat
similar to Mutual Funds and they can have Debt as well as Equity components.
The Debt ones are obviously not allowed as that falls under Interest. The
Equity one is also not allowed because of the following reason:
1.You have no idea about which Stocks the insurance company invests
the ULIP funds as they do not reveal where they have invested.
2.Rest of the points are same as ELSS below.
Pension Schemes can take
various forms and are usually from Government, Insurance Companies and Mutual
Funds. However, all these are heavily into Interest based investing and hence
Probably the most
popular among Muslims as a non-interest based investment. Unfortunately this is
not halal either. They do the following haram investments
1.Although they are equity based, some portion (about 10-20%) will
be invested in Debt instruments.
2.Usually they invest a significant portion in shares of Financial
Instituitions like Banks, NBFC, etc.
3.There is nothing stopping them from investing in completely haram
sectors like Alcohol, Sugar, Media & Entertainment, Tobacco.
4.For capital intensive sectors like Infrastructure, Power,
Machinery, Oil & Gas each company has to be evaluated carefully as many
are heavily into debt all the time (i.e. paying huge amount of interests)
5.Cash rich companies like IT, PSU's have huge amounts of idle cash
often invested in Banks/ Bonds and other short-term investments. This pays them
a good amount of interest income.
Even if you ignore the
last 2 points; just go through the Investment Portfolio of any ELSS Mutual Fund
and you will see that nearly 30%-50% comes under haram.
If you have taken a Home
loan from a Bank/ NBFC, you are surely paying interest and by Shariaah both the
interest payer and receiver are equally sinful. The only way this can be made
halal for tax purposes is that you take a loan from your father/ mother or some
close relative with 0% interest and just show to the government that you are
paying them interest.
The following are Tax
Saving Investments for salaried employees and are usually compulsory; so you do
end up forcefully investing in them.
Since they are forced
over you, you can't do anything about it. However, whenever you resign you can
withdraw the same.
So what do you do? It's
simple you pay the Tax. What else can you do? It might be haram to pay such
high levels of tax, since there is no basis in religion for such high taxes and
much of the money doesn't get used up in the right way. However, to
prevent one haram that is forced upon you, it is not right to willfully commit
another haram by investing in non-Shariaah way. Allah knows best.
Hour of the need
is money for many people and even if they had made investment say, under
section 80C of our IT Act, they are not clear whether they are eligible to
withdraw their money after maturity or partially. The post will give a clear
idea about PPF Withdrawal.
The PPF is a Central Government
Scheme, which is a long term small savings scheme to provide retirement
security to self-employed individuals and workers in the unorganized sector. PPF
account can be opened in any branches of State Bank of India or its
subsidiaries or select branches of designated nationalized banks or select Post
Offices across India. How to open an account or rules is not a matter now. The
point here is to withdraw on maturity or partial withdrawal from account or
continuation of account after maturity with investment or earning interest
below chart with applicable PPF rules where Rs. 1,00,000 is deposited in a PPF account from the Year 2011 to 2028. Account holder can withdraw from PPF
account after completionafter the expiry of 5 full
financial years from the end of the year in which initial investment
was made or say amount can be withdrawn after completion of 6 years.
In the above
case, account holder can withdraw money from his / her PPF Account only at the
end of 6th Year of operation, so its ideally 7th year beginning. The PPF
Withdrawal Rules in states that the maximum amount of withdrawal from PPF
Account is 50% of the amount retained / remaining in the PPF account in the end
of 4th year. In the above example its Rs. 3,55,293.45 INR and 50% of this
amount is Rs.1,77,646.73 INR and so the Withdrawal Rules in PPF continues till
the end of 12th year of which the amount can be withdrawn during the 15 year
end. So ideally in PPF Withdrawal Rules is valid from 7th year end to 15th year
On maturity, the
account holder can decide to withdraw all the money which is exempted from tax.
The account holder of PPF account can continue to invest in PPF Account after
the completion of maturity period by extending his lock-in-period for block of
5 years. In-case, if the account holder chooses to extend the account without
making any fresh contributions, the left over balance will continue to earn
interest till it is withdrawn.
The talk of the
town and many places are about a new scheme going hot on whatsapp circulation,
it is not about “Sukanya Samriddhi
Account”, and it is about making money or a kind of investment to the expectations
of people who are looking to make easy money. The scheme about parents having a
daughter who is below 10 years, they need to open an account in her name by
paying Rs. 1000 for the first time and has to pay Rs. 100 every month till she
completes the age of 21 will get Rs. 6,50,000 for her marriage. How it is
possible? Even one who opens an account for his or her infant baby and pays
that monthly Rs. 100 at the age of 21, with interest it will come to Rs. 40,000
or so, but how come the amount jump to Rs. 6,50,000 seems a fake message in the
name of “Selva
Maghal Thirumana Thittam” (Disclaimer: Please, check for such a scheme).
you google and do a search for “Selva Maghal Thirumana Thittam”, you will find
a lot of marriage halls in Tamil Nadu but not the information about scheme.
What I found was “Sukanya
Samriddhi Account” or “Selvamagal Semipu”, which is a Girl
Child Prosperity Scheme where a parent or guardian needs to open an account in
girl’s name in a post office or authorized commercial bank and earn an interest
currently 9.1% (FY 2014-15) to whatever
the amount the deposited in that account to a maximum cap of Rs. 1,50,000 per
account per year and the amount is exempted under section 80C of income tax,
Be sure that one
may not get Rs. 6,50,000 on paying Rs. 100 every month till the girl attains
the age of 21, it is a Girl Child Prosperity Scheme named “Sukanya Samriddhi Account” launched with effective notification
from Ministry of Finance with notification number G.S.R.863(E) Dated
02.12.2014, scheme will be governed by ‘Sukanya Samriddhi Account Rules, 2014’
scheme, an interest of 9.1 per cent is provided on deposited amount which is
tax free. The account under this scheme a saving account can be opened by the
parent or legal guardian of a girl child of less than 10 years of age (born on
or after: 02-December-2003; For FY 2014-15) with a minimum deposit of ₹
1,000/- in any post office or authorized branches of commercial bank.
withdrawal up to 50 per cent of the account balance is allowed to meet
education expenses of the girl child till she attains 18 years of age. The
account will remain operative for 21 years from the date of opening of the
account or till marriage of the girl child.
Features Of Sukanya
Per girl child only
single account is allowed. Parents can open this account for maximum two girl
child. In case of twins this facility will be extended to third child
Minimum deposit amount
for this account is ₹ 1,000/- and maximum is ₹ 1,50,000/- per year.
Money to be deposited
for 14 years in this account.
Interest rate for this
account is 9.1% per annum, calculated on yearly basis ,Yearly compounded.
Passbook facility is
available with Sukanya Samriddhi account.
From FY 2015-16 the
interest earned on account will be tax exempted. As per Finance Bill 2015-16.
Document required for
opening Sukanya Samriddhi Account:-
Birth certificate of
girl child along with Address proof and Identity proof of parent or gurdian of the girl child.
Below chart is to understand the amount invested and final amount to be
received till the girl child attains the age of 21 in Sukanya Samriddhi
account. Table gives a clear picture for yearly investment of Rs. 1,000.00 and Rs. 1,50,000.00 for a investment period of 14 years.
Thanks to my investment ideas: http://goo.gl/dfJ0eF
Valuables worth Rs.4.20 lakhs including a
diamond necklace, gold jewels weighing 20.5 sovereigns, 250 g of silver
articles and a cell phone were stolen from a locked house in Saleem Nagar in
Keezhvisharam in Arcot Town Police Station limits on Tuesday night.
to the police, Mohammed Basha, a professor in a private engineering college in
Melvisharam locked the house and went to Bangalore with his family members on
Tuesday afternoon to see the wife of his friend who had been admitted to a
returned home in the early hours of Wednesday, he found the lock of the main
door broken open. The valuables kept in the cupboard were missing. On his
complaint, the Arcot Town Police registered a case. Subbiah, Inspector of Arcot
Town Police Station is investigating the case.
Vellore, Tamil Nadu, India: Ten people, all reported to be factory workers, died after a wall collapsed today in an industrial plant in Vellore district of Tamil Nadu.
The accident happened in the SIPCOT industrial area in Vaniyambadi after a waste treatment plant at the site burst open and the sledge knocked down the wall, which collapsed on the workers sleeping in the adjoining plot, say police officials.
Seven of the deceased victims are migrant labourers from West Bengal, says the police at the spot.
Story first published: Jan 31, 2015 07:51 IST
THE tanneries in India have a reputation that they can do without. In Vellore, Tamil Nadu, the tanneries are working to save their reputation by generating green electricity . They have set up a biomethanation plant which uses the fleshings produced by them to generate electricity for its common effluent treatment plant (CETP). By installing the plant the tannery has been able to do two things -- one, reduce the stench of putrefaction and pollution that the fleshings used to produce, and two, generate electricity from waste.
In India, there are around 3,000 tanneries and more than one third of them are located in Tamil Nadu. These tanneries, mainly concentrated in Melvisharam, process 300,000 tonnes of hide and skin per year and generate around 140 tonnes of fleshing per day. Fleshings are the flesh scrap generated during the process of conversion of skins and hides into leather. With proper means of disposal absent, these fleshing -- a health hazard -- are often thrown indiscriminately, creating an obnoxious smell and an unsightly appearance.
Earlier, the fleshings were used to manufacture glue, but the market for it declined with the emergence of synthetic glue. They were then disposed in landfills, but this contaminated the groundwater, causing the total dissolved solids in groundwater to go as high as 4,900 mg per litre in certain areas, which is about ten times beyond the permissible level. Incineration too had its own problems. "The quantity was too large to manage, it gave an obnoxious odour," says Alwar Ramanujam, assistant director, department of environmental technology at the Central Leather Research Institute (CLRI) in Chennai.
But with the biomethanation plant in place, the people living in the tanneries' vicinity will be able to live in a less polluted environment. The capital cost of the plant is Rs 1.57 crore. The Union ministry of non-conventional energy sources has paid 60 per cent of it, with United Nations Industrial development Organisation providing another 17.5 per cent. The Indian Renewable Energy Development Agency and other beneficiaries have met the remaining cost. "The concept was new to India, so everyone was apprehensive in the beginning," says Ramanujan.
The biomethanation plant, which began operation in January 2000, is designed by a French engineer, Michel Aloy and maintained by around 15 tanneries with the technical assistance from CLRI . It has two digesters of 130 cubic metre capacity and is designed to process five tonnes of waste per day -- three tonnes of fleshings and two tonnes of primary sludge from the treatment plant. The fleshings and other solids are collected daily by trucks from the tanneries and deposited at the plant. The fleshings are then minced to peices of about six micron diameter and then mixed with the primary sludge. After it is homogenised, the mixture is fed into a feed chamber.
The primary sludge from the CETP , which contains 90 per cent liquid, is used to run the plant, thus solving the need to use large quantities of clean water. Operating a biogas plant usually requires equal amount of water and fleshing. "Fortunately, the fleshings also contain around 80 per cent liquid," says P A Shanmugan, senior scientist at CLRI .
From the feed chamber, the substrates are transferred to the first digester. It takes 26 days to fill both the digesters, after which five cubic metres of the substrate is taken out from the second digester and a similar amount is added to the first digester. The fleshings are retained in the digester for 26 days. Biological process then takes place inside the digester at 32-34 C. The bacteria converts organic pollutant to methane. A safety valve releases the gases produced. Apart from lime, which is used to neutralise the acidic content of the flesh, no chemicals are used. The remaining scum is taken out by a centrifugal pump, which separates the solids from the liquid, from the top of the digester. The solid material is then directed back to the bottom of the digester.
The plant generates around 312 cubic metres of gas and 1,200 kwh of power daily, out of which 250 kwh is used to operate the plant. The remaining 950 kwh is used to meet the partial requirement of the CETP . According to Shanmugan, the CETP consumes 7,500 kwh of energy per day.
Though there are around 36 tanneries in the locality that generate a total of around 12-13 tonnes of fleshings per day, the plant can take only upto five tonnes right now. But plans are afoot to set up more on the same lines.
Mobile phones or gadgets are the most convenient
tool to access our banking services, on the other side fraudsters are
now-a-days are highly skilled to steal your money. One of the current trending
news is the use of SIM-swap method used by these fraudsters.
It is worthy to bring awareness to our gadget
freak Visharami on how to prevent such kind of frauds and protect our hard earned
Be sure that your mobile phone always show network signals or connected
to network. Check whether or not receiving calls
or text messages for unusually long periods.
Do not switch-off your mobile phone if you are receiving numerous
calls, fraudsters may trick you to switch-off your
phone so that you do not notice any fraudulent transaction SMS etc or try to prevent you from noticing a tampered network connection to accessing your bank accounts.
Indian financial systems are one of the most
secured system, still fraudsters may trick you, be vigilant to any SIM swap or
other financial SMS messages receiving on phone. Always have a watchful custody
of your mobile phone or other gadgets used in for your financial transactions.
Be sure that whether you lost your money from smart phone or lost your wallet or lost the money on the road, it gives the same emotion.
New Delhi: The Employees' Provident Fund Organisation (EPFO) will launch the online facility for submitting provident fund withdrawal claims in December, which would quicken such settlements and benefit its over five crore subscribers.
At present, subscribers of the retirement fund body have to file PF settlement claims manually after they leave a job or after their retirement. The online application of such claims would enable EPFO to eventually settle those within three days.
"EPFO has decided to provide the facility of online application for PF withdrawal claims. It will be launched by mid-December," a source said.
According to the source, all those subscribers whose PF and bank accounts are linked with Aadhaar number would be able to avail this facility.
Elaborating further he said that since Aadhaar number provide anywhere anytime authentication of identity on the basis of captured biometric details of a person, there would be remote chances of fraud or cheating.
A senior official said that sometimes EPFO takes more than mandated 30 days for settling provident fund withdrawals claims due to various reasons including errors while filling the manual form.
He said, "EPFO would eventually settle all type of claims including PF withdrawal and transfer within three days of filing those applications."
EPFO has planned to settle 20-30 per cent of PF claims online by the end of this financial year. During the last fiscal year, it had settled a total of 1.21 crore claims including over a million PF transfer cases.
The body has recently issued over four crore Universal PF Account Numbers (UAN) which are being seeded with Aadhaar number and bank accounts. This portable PF account would enable subscribers to have only one account while working with various employers throughout his/her life.