MELVISHARAM | Vellore District | Tamil nadu | 632509 |

Everything about Melvisharam to make a Official Melvisharam Website.

Treated Water Supply For Vellore Corporation And 11 Municipalities From April Second Week

Drinking 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.
Water 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.

Talking 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.
The 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.
Replying to a question, Mr. Nanthagopal said that treated water would be released only up to Vellore in the second week of April.
After 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.
Mr. Veeramani said people of Tirupattur, Ambur and Vaniyambadi have already started using the water released under CWSS after the trial run commenced last week.
Agitation
Asked 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.
Source: THE HINDU, CWSS

Halal Islamic Tax Saving Investments in India

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.
1.      PPF  (Public Provident Fund )
2.      SSY  (Sukanya Samriddhi Account)
3.      NSC/ NSS (National Saving Scheme/ Certificate)
4.      KVP (Kisan Vikas Patra)
5.      SCSS (Senior Citizens Saving Scheme)
6.      FD (Fixed Deposits) 
7.      TD (Post Office Time Deposit)
8.      Infrastructure Bonds
Insurance
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 returns directly.
Most of the insurance schemes in India are investment based and none are halal. The following popular ones have Interest components:
1.      Guaranteed 
2.      Highest NAV
3.      Endowment
4.      Balanced
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
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 not allowed.
1.      NPS (New Pension Scheme)
2.      ULPP (Unit Linked Pension Plan)
3.      Pension Fund from Insurances
4.      Pension Fund from Mutual Funds
ELSS (Equity Linked Savings Scheme)
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.
Home Loans
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.
Compulsory Investments
The following are Tax Saving Investments for salaried employees and are usually compulsory; so you do end up forcefully investing in them.
1.      EPF (Employee Provident Fund)
2.      Superannuation.
Since they are forced over you, you can't do anything about it. However, whenever you resign you can withdraw the same.
Conclusion
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.

How To Withdraw Your Money From PPF Account

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 without investment.
Consider the 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 completion  after 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 end.
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.
For clear information about PPF account opening and withdrawal rules, refer Rajesh Goyal's article on PPF account AllBankingSolutions.com and www.ppfaccount.in

What Is Big With Sukanya Samriddhi Account aka Selvamagal Semipu With Calculator Chart

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).
If 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, India.
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’
Under the 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.
Partial 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 Samriddhi Account
  • 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 

Over Rs. 4 lakh worth valuables stolen in Visharam

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.

According 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 hospital.
When he 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.
Source: THE HINDU

10 Workers Killed in Wall Collapse at Industrial Plant in Tamil Nadu

10 Workers Killed in Wall Collapse at Industrial Plant in Tamil Nadu
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

SIM-swap fraud: Digitally Stealing Your Money


 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 money.
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.

One day Seminar on Tahaffuz-e-sunnat by Tanzeem-e-ulama, Melvisharam


Assalamu alaikum W/w all,
Tanzeem-e-ulama, Melvisharam has planned for a one day seminar "On Tahaffuz-e-Sunnat" to be held insha-allah on Sunday 14, December 2014, between 9:00am -12pm at HM auditorium
For all the students From 12th standards to PG and Ph.D., students, working Graduates, working professionals and for all young Generations of Melvisharam.
On the Topics of Tahaffuz-e-Sunnat-o-shariath and safeguard our eman and yaqeen.
To protect ourselves from other brain washers regarding our religious aspects.
Its a very important seminar for all of us, all are requested to make their presence for this first ever kind of event on Sunday.
Do inform yourself to invite your friends, batch-mates juniors seniors schoolmates college-mates workmates, etc
Organised by: Tanzeem-e-ulama, Melvisharam

Filing PF Withdrawal Claims Online Likely to be a Reality in December 2014

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.

Changes in Provident Fund Rules

Changes in Provident Fund Rules
planning for retirement is as important as planning for one’s career and marriage. Everybody wishes to have a secure, independent retirement life, where you would not depend on others for your needs. Investments and allocations are accordingly channelized in this direction to achieve the desired goals. The Employee Provident Fund (EPF), Employee Pension Scheme (EPS) and Public Provident Fund (PPF) are some of the popular products to invest for the retirement years.

In the past few months, radical changes have been introduced in these schemes. Let us have a look at them.

1) PF portability: Every time you join a new company, you were given a new PF number. Then you had the option of moving your funds to the new account. Whether you did this or not affected the taxability of your PF deposits. Not any more. Your PF accounts are now going to be portable. The Prime Minister Narendra Modi is going to launch the much-awaited Universal PF Account Number (UAN) website to enable PF portability on October 16. The UAN will be portable throughout the working career of an employee. With the UAN in place, workers in the organized sector need not apply for transfer of PF claim in case of job-change. This means, the PF subscriber will not get a new number on joining a new firm. Instead the employee will get an ID linked to UAN. So, this mechanism will help in smoothening PF transfer claims. The new website is expected to provide an individual personalized log-in mechanism to help in tasks like viewing updated PF amount, transfer claims and updating KYC.

Currently, the EPFO is in the process of linking the UAN of its 40 million subscribers with their bank accounts, Permanent Account Number (PAN), Aadhar and other identification details.

2) Bank account and PF portability: The retirement fund body has asked companies to provide bank account numbers of their employer members by October 15. It has also asked for the IFSC or Indian Financial System Code number for easy transfer of PF payment. The IFSC helps identify the branch where the account is based. This helps transfer money easily. The bank account numbers with IFSC codes will be linked to the Universal PF Account Number (UAN). This will help in portability of PF accounts.

3) Higher PF wage ceiling: The retirement fund body Employee Provident Fund Organization (EPFO) has raised the salary limit for maintaining a PF account to Rs 15,000. Earlier, the limit was Rs 6,500 per month. This means, any organized sector employee earning up to Rs 15,000-a-month have to compulsorily hold an EPF account with the government. For those earning more than Rs 15,000, it is a voluntary option. This is to ensure that low-wage earners have a sufficient kitty to help them in their retirement. This new measure is expected to bring in 50 lakh new PF subscribers, according to the EPFO.

12% of an employee’s basic salary goes to the PF account and is payable back to him/her together with interest once he/she leaves the company. The employer too pays an equal sum – 12% of the basic salary. Out of this, 8.33% goes into the pension scheme and 3.67% into the EPF.

As of now, only organized sector employees are covered under the social security scheme. They amount to about 8% of the total workforce. This still leaves the majority of India’s workers in the unorganized sector without sufficient retirement help.

4) Minimum monthly pension: Once the EPFO subscriber dies, his or her family gets an amount on a monthly basis. The government has raised the minimum monthly pension distributed to Rs 1,000 per month for the financial year 2014-2015. This move will benefit about 28 lakh pensioners, especially widows, some of whom get a paltry sum of Rs 150-200 a month.

5) Insurance limit hiked: Maximum sum assured under Employee Deposit Linked Scheme, 1976 (EDLI) has been hiked to Rs 3 lakhs plus 20% ad hoc benefit over the prescribed amount. This means in case of the death of the subscriber under EPFO, his family is entitled to get Rs 3.6 lakhs instead of the current Rs 1.56 lakhs.

All employers to whom the Employee Provident Fund and Miscellaneous Provision Act applies, have to mandatorily subscribe to the EDLI scheme to provide life insurance benefit to their employees.

The above 3 changes have come into effect from September 1, 2014

6) PF interest rate: When you invest in a provident fund, you earn an interest. The government fixes this rate on a yearly basis. For the year 2014-15, the interest rate on provident fund deposits has been retained at 8.75%. This means, the nearly 50 million PF subscribers will earn 8.75% on their deposit amount this year.

7) Tax on PF withdrawal: If an employee withdraws his PF accumulation before five years of completing service, the entire amount withdrawn will be taxable for that year. However, if you transferred your PF every time you changed you job, your total tenure of work will be calculated. For example, if you worked for a year at company A and for four years at company B, and you transferred your PF, then a total work-period of five years will be calculated.


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Free Healthcare Assistance

Free Healthcare Assistance
Ayesha foundation in association with Crescent hospital proposes to conduct a free surgical camp on Sunday 2nd Nov for the poor. Surgeries that are planned are hernia, piles, fissures, appendectomy, fistula, hydrocele, skin lumps (lipoma sebeaceous cysts, etc). Surgery will be done by a leading surgeon from a reputed hospital. The surgeries are completely free of cost and the patients will be discharged on the same day. For details and registration contact Abdul Huq 9840067386. Pls pass the word

Changes in Provident Fund Rules

Changes in Provident Fund Rules
Planning for retirement is as important as planning for one’s career and marriage. Everybody wishes to have a secure, independent retirement life, where you would not depend on others for your needs. Investments and allocations are accordingly channelized in this direction to achieve the desired goals. The Employee Provident Fund (EPF), Employee Pension Scheme (EPS) and Public Provident Fund (PPF) are some of the popular products to invest for the retirement years.

In the past few months, radical changes have been introduced in these schemes. Let us have a look at them.

1) PF portability: Every time you join a new company, you were given a new PF number. Then you had the option of moving your funds to the new account. Whether you did this or not affected the taxability of your PF deposits. Not any more. Your PF accounts are now going to be portable. The Prime Minister Narendra Modi is going to launch the much-awaited Universal PF Account Number (UAN) website to enable PF portability on October 16. The UAN will be portable throughout the working career of an employee. With the UAN in place, workers in the organized sector need not apply for transfer of PF claim in case of job-change. This means, the PF subscriber will not get a new number on joining a new firm. Instead the employee will get an ID linked to UAN. So, this mechanism will help in smoothening PF transfer claims. The new website is expected to provide an individual personalized log-in mechanism to help in tasks like viewing updated PF amount, transfer claims and updating KYC.

Currently, the EPFO is in the process of linking the UAN of its 40 million subscribers with their bank accounts, Permanent Account Number (PAN), Aadhar and other identification details.

2) Bank account and PF portability: The retirement fund body has asked companies to provide bank account numbers of their employer members by October 15. It has also asked for the IFSC or Indian Financial System Code number for easy transfer of PF payment. The IFSC helps identify the branch where the account is based. This helps transfer money easily. The bank account numbers with IFSC codes will be linked to the Universal PF Account Number (UAN). This will help in portability of PF accounts.

3) Higher PF wage ceiling: The retirement fund body Employee Provident Fund Organization (EPFO) has raised the salary limit for maintaining a PF account to Rs 15,000. Earlier, the limit was Rs 6,500 per month. This means, any organized sector employee earning up to Rs 15,000-a-month have to compulsorily hold an EPF account with the government. For those earning more than Rs 15,000, it is a voluntary option. This is to ensure that low-wage earners have a sufficient kitty to help them in their retirement. This new measure is expected to bring in 50 lakh new PF subscribers, according to the EPFO.

12% of an employee’s basic salary goes to the PF account and is payable back to him/her together with interest once he/she leaves the company. The employer too pays an equal sum – 12% of the basic salary. Out of this, 8.33% goes into the pension scheme and 3.67% into the EPF.

As of now, only organized sector employees are covered under the social security scheme. They amount to about 8% of the total workforce. This still leaves the majority of India’s workers in the unorganized sector without sufficient retirement help.

4) Minimum monthly pension: Once the EPFO subscriber dies, his or her family gets an amount on a monthly basis. The government has raised the minimum monthly pension distributed to Rs 1,000 per month for the financial year 2014-2015. This move will benefit about 28 lakh pensioners, especially widows, some of whom get a paltry sum of Rs 150-200 a month.

5) Insurance limit hiked: Maximum sum assured under Employee Deposit Linked Scheme, 1976 (EDLI) has been hiked to Rs 3 lakhs plus 20% ad hoc benefit over the prescribed amount. This means in case of the death of the subscriber under EPFO, his family is entitled to get Rs 3.6 lakhs instead of the current Rs 1.56 lakhs.

All employers to whom the Employee Provident Fund and Miscellaneous Provision Act applies, have to mandatorily subscribe to the EDLI scheme to provide life insurance benefit to their employees.

The above 3 changes have come into effect from September 1, 2014

6) PF interest rate: When you invest in a provident fund, you earn an interest. The government fixes this rate on a yearly basis. For the year 2014-15, the interest rate on provident fund deposits has been retained at 8.75%. This means, the nearly 50 million PF subscribers will earn 8.75% on their deposit amount this year.

7) Tax on PF withdrawal: If an employee withdraws his PF accumulation before five years of completing service, the entire amount withdrawn will be taxable for that year. However, if you transferred your PF every time you changed you job, your total tenure of work will be calculated. For example, if you worked for a year at company A and for four years at company B, and you transferred your PF, then a total work-period of five years will be calculated.


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Social Harmony Inclusive Development

Social Harmony Inclusive Development
Great great news to all. Mr Vijay superintendent ( Training) Indian Institute of Public Administration. New Delhi. has informed that the 1st and 2nd prizes for the national level essay competition has been won by the students of our Islamiah womens college. Vaniyambadi. The subject was" SOCIAL HARMONY INCLUSIVE DEVELOPEMENT " in which more than 6000 colleges all over India participated including engineering n medical colleges. Its a great honour for us that Miss Quratul ain 3rd B Sc ( Bio chemistry) got 1st prize and Miss Uzma Afreen 1st B Sc ( Com. Science) got 2nd prize. They have been invited to New Delhi to receive award, cash prize n momentous from the HRD minister in a high profile function. Free ac train travel stay n food being provided for 1 + 1 for both the winners. The 3rd prize won by a girl from Patiala engineering college. Punjab. Now who says our girls cannot achieve success at national level. Its definitely a big boost to our soceity and big set back to the hypocrites.!!

Assalamu alaikum…….. MoM of today's meeting for Kashmir relief.

Assalamu alaikum……..  MoM of  today's meeting for Kashmir relief.
September 20, 2014 -  as received in whatsapp MELVISHARAM Group:
In-sha Allah tomorrow @ 9 o clock Jamaath will start collection from central masjid.  Humble request from Moulana to share this important message and, contribute more to needy people in Kashmir. Further he added in a month or two winter gonna start and it will be very intensive with snowfall... still thousands of people are homeless and they are in tent now.. …..please, join us for this Nobel cause...
It is very heartening to know that, non-Muslims are taking active participation for this and, representation from our Muslim community is weak.
And these people are our Brothers n sisters we should help them in this hour of need. Jaan Aur maal dono ki zaroorat hai. Please, try to make your presence to collection center and may Allah reward us for every step we walk for the good cause. Aameen.

Mobile App for Counselling on Suicide Mooted

Mobile App for Counselling on Suicide Mooted
VELLORE: With the observation of World Suicide Prevention Day on Wednesday, a number of  measures including social networking of suicide survivors and establishing ‘suicide prevention and counselling centres’ in government offices and healthcare institutions were mooted.
Dr Zubaida  Sultana, a psychiatrist attached to the Meenakshi Medical College pointed out that every four minutes a suicide was being committed in India, while worldwide suicides were occurring every four seconds.
The theme of this year’s World Suicide Prevention Day was ‘one world-connected.’ Dr Sultana encouraged youngsters suffering from depression to get connected to people and not remain isolated.  In light of the fact that suicidal tendencies in individuals in the 18-29 age-group was more prevalent among the urban youth, Dr Sultana appealed to technocrats to develop mobile phone applications that  could help counsel individuals with suicidal tendencies.
Dr Sultana said only 2 per cent of the health budget was allocated for mental health by the Government of India. Mental health should receive a larger share to raise awareness among the public on  the problem of suicides. General practitioners and family physicians should be given adequate training to handle individuals with suicidal tendencies. Dedicated ‘helplines’ must be created in all districts, to provide counselling, she further said.
Head of a Vellore-based NGO, which organised a publicity event on World Suicide Day, said,  lives can be saved through an active community that listened to depressed people. He said GHs, primary health centres and other offices should have facilities to prevent suicide. Families should encourage youngsters to discuss their worries and get counselled.
Earlier, students from  DKM College for Women and Voorhees College conducted a rally and distributed pamphlets in the city.
Source: samachar.com

CPI(M) takes out ‘save Palar’ march - Alleges politician-mafia nexus in plundering river sands

VELLORE, August 15, 2014 by A.D. BALASUBRAMANIYAN
CPI (M) activists took out a 13-km march from Walajapet to Mel Visharam on Thursday, urging the government to protect the river Palar from sand-mining.
Leading the march from Walajapet, G. Ramakrishnan, State secretary of the party, said that exploitation of sand deposits was rampant ever since the government began quarrying activities in the State in 2003. It was continuing unabated through successive the AIADMK and DMK regimes. “The Madras High Court ordered not to engage earth movers to scoop sand from rivers and restricted the miners from going beyond three feet deep. But they go even up to 30 feet deep. Politician-sand mafia nexus became so notorious that government officials and policemen who took action were attacked or killed. ” he said.
The sand mafia not only exploits river sand but also exploits consumers by slapping exorbitant price on sand loads, Mr. Ramakrishnan said Addressing the volunteers participating in the march, N.Gunasekaran, State secretariat member of the party, said that five lakh families belonging to five districts including Vellore and Tiruvannamalai depend on the Palar for their livelihood. “However, the river is not merely a livelihood source; it is a historic monument; an identity of Tamil civilisation and pivot of its long culture. The government’s erroneous policy was responsible for the river’s present sorry state. The murder of police constable Kanagaraj while attempting to stop a vehicle from smuggling sand is a pointer to an impending disaster,” Mr.Gunasekaran observed.
The marchers also wanted action against pollution of the Palar by industrial effluents and wanted eviction of encroachments from the river. A.Narayanan, district secretary of the party, Thinapuratchi, an activist of Joint Committee for Palar Protection and former MLA Hasan were among the participants.
Image & Source Credit: The Hindu

Committee hopes for quota as more apply for Haj pilgrimage

Committee hopes for quota as more apply for Haj pilgrimage
CHENNAI: The annual Haj pilgrimage is expected to begin in October and the Tamil Nadu Haj committee is hoping the Centre will increase the quota for the state owing to a large number of applicants. Chief minister J Jayalalithaa had last week urged the Prime Minister to increase the quota. 

The Tamil Nadu State Haj Committee has received 13,159 applications for the pilgrimage, but the Mumbai-based Haj Committee of India has allotted only 2,672 seats to the state. Of these, 180 seats have been given to the reserved category pilgrims and 1,492 pilgrims were selected under the general category. Subsequently, another 100 seats were allotted by the Haj Committee, leaving a large number of disappointed applicants. Pilgrims from the state are expected to begin flying out from September 15, with Chennai, Kancheepuram and Thiruvallur likely to account for more than 600 pilgrims. 

Tamil Nadu Haj committee officials said pilgrims would be provided free meals thrice a day during the eight-day stay in Saudi Arabia. The government of that country has issued a travel advisory for pilgrims regarding the Middle East Respiratory Syndrome (MERS) and the Tamil Nadu Haj committee is in talks with the department of health about vaccinating pilgrims before the journey. 

Every year, on an average, about 1,70,000 Indians visit Saudi Arabia for Haj. 


Ref: Times of India - August 14, 2014 - http://goo.gl/xvJo3p

Haj ‘Qurrah’ on April 17, 2014

The State Haj Committee has proposed to hold ‘Qurrah’ (draw of lots) for selection of Haj pilgrims on April 17. This year there will be a decrease of 20 per cent in the Haj quota for pilgrims proceeding through Haj Committee and private tour operators.
Haj Committee special officer, Prof. S.A. Shukoor, who attended the Haj Committee of India meeting at Mumbai, said the reduction in the quota was on account of the ongoing expansion of the ‘Mataaf’ area in the grand mosque at Makkah.
During 2013 the quota of Haj Committee after reduction was 1,21,420 and for private tour operators, it was 14,600.
According to a press release, Prof. Shukoor wanted the quota for pilgrims to be fixed on the basis of 2011 census and not 2001.
Source: http://www.thehindu.com/news/national/andhra-pradesh/haj-qurrah-on-april-17/article5827339.ece