Everything about Melvisharam to make a Official Melvisharam Website.

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

Haj Committee Looking for Govt Staff

By Express News Service - HYDERABAD
Published: 02nd March 2014 09:01 AM
Last Updated: 02nd March 2014 09:01 AM
The AP State Haj Committee is inviting applications from active Muslim government employees, between 25 and 50 years of age, for deputation as Khadim-ul-Hujjaj to assist Haj pilgrims during Haj-2014 in Saudi Arabia.
In a press release, the special officer of AP State Haj Committee Prof SA Shukoor informed that applications for the purpose should be submitted on or before March 31 at the office of the Haj Committee, Nampally. The candidates are expected to have sound health and experience in managing public functions.
However, preference will be given to government employees such as tahsildars and school teachers who have knowledge of Arabic language and experience in Haj.

For details, contact AP State Haj Committee, Haj House, Nampally or call 040-23298793

Tanzim-Ul-Ulma Brings Thafuz-e-Khatam-e-Nabowat - Melvisharam


Message rescived from Talha:
There is a Bayan in Melvisharam on 18th and 19th of this month March 2014 and I wanted to share the info with you so that you can make a post of it in Melvisharam website. I am also attaching a poster of it with this mail and hopeful that the post will be published asap.
Date
Time
Location
Audience
March 18, 2014
3.00 pm
Madarsa-e-Niswan
Ladies
March 18, 2014
3.00 pm
Islamiah Girls Hr. Sec. School
Ladies
March 19, 2014
6.45 pm
Masjid-e-Khizar
Youngsters
March 20, 2014
5.15 pm
KH Girls School
All Public
Note: The date in pamphlet  and as in above the message  seems conflicting.  Individuals, please verify the same.