tag:blogger.com,1999:blog-6136189933643228762024-03-10T08:15:53.691+05:30MELVISHARAM | Vellore District | Tamil nadu | 632509 | Everything about Melvisharam to make a Official Melvisharam Website.Unknownnoreply@blogger.comBlogger86125tag:blogger.com,1999:blog-613618993364322876.post-9834517273675330482021-05-05T23:59:00.004+05:302021-05-06T00:01:36.322+05:30Ahle Sunnat Lababin Jamaat’s Appeal To The Local Merchants, Traders And Residents Of Melvisharam<p class="MsoNormal">The number of Corona Virus cases is spreading very fast in
Tamil Nadu. The government is implementing various measures to control the
spread of the disease.<o:p></o:p></p>
<p class="MsoNormal">The new regulations are coming into effect in Tamil Nadu
from May 06.3.2021 due to continues of Corona. The government of Tamil Nadu has
said that these restrictions will be in force from 4 am on May 6 to 4 am on May
20.<o:p></o:p></p>
<p class="MsoNormal">1. Essentials like pharmacies, milk supply can function as
usual.<o:p></o:p></p>
<p class="MsoNormal">2. Vegetables, grocery, fruit shops should operate only till
noon without refrigeration facilities.<o:p></o:p></p>
<p class="MsoNormal">3. Tea shops are allowed to operate only until noon.<o:p></o:p></p>
<p class="MsoNormal">4. Permission to provide only parcel service in restaurants.<o:p></o:p></p>
<p class="MsoNormal">5. Saloons in rural and corona-controlled areas and Beauty
salons are not allowed to operate.<o:p></o:p></p>
<p class="MsoNormal">6. Meat shops and fish markets are not allowed to open on
Saturdays and Sundays.<o:p></o:p></p>
<p class="MsoNormal">7. Permission to operate with 50 percent staff in government
offices and private offices.<o:p></o:p></p>
<p class="MsoNormal">8. Petrol and diesel stocks will be allowed to continue
operating.<o:p></o:p></p>
<p class="MsoNormal">9. 50 people can participate in wedding events. Only 20
people are allowed to participate in death-related events.<o:p></o:p></p>
<p class="MsoNormal">10. Passengers are allowed only 50 percent seats in train,
metro, private, and government buses.<o:p></o:p></p>
<p class="MsoNormal">11. Permission to work night shifts in IT companies<o:p></o:p></p>
<p class="MsoNormal">12. Prohibition on community, political, educational and
entertainment, other ceremonial events.<o:p></o:p></p>
<p class="MsoNormal">13. It is not allowed to hold ceremonies in open-air and
indoor arenas.<o:p></o:p></p>
<p class="MsoNormal">14. The full curfew and night curfew will continue Sundays.<o:p></o:p></p>
<p class="MsoNormal">Merchants and Traders, including those who have theirs shops
on the interior of streets, should follow all the rules issued by the
government.<o:p></o:p></p>
<p class="MsoNormal">We would also like to inform you that our Jamaat will not make
any recommendation or assistance in favor of the traders if the health
department or the police take any legal action against the businesspersons who
violate these restrictions announced by the government.<o:p></o:p></p>
<p class="MsoNormal">Appeal To The General Public<o:p></o:p></p>
<p class="MsoNormal">We urge everyone to cooperate with our Government’s protocol
in following health measures, including wearing a mask and adhering to social
gaps to control the spread of the disease.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-family: "Nirmala UI",sans-serif;">By
Muthavalli</span><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p>Mr. Pakthini Irfan Ahmed Sahib</p><p class="MsoNormal"><o:p></o:p></p>
<p class="MsoNormal">Mr. Gramani Mohammad Amir Sahib<o:p></o:p></p>
<p class="MsoNormal">Mr. Gramani Jamal Ahmed Sahib<o:p></o:p></p>
<p class="MsoNormal">Mr. Sowcar Irshad Ahmed Sahib<o:p></o:p></p>
<p class="MsoNormal"><o:p> (</o:p>Ahle Sunnat Lababin Jamaat)</p><p class="MsoNormal"><o:p></o:p></p><span class="fullpost"></span>mChttp://www.blogger.com/profile/06758418344721864276noreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-25947691951964170792017-10-04T13:09:00.001+05:302017-10-04T13:12:18.880+05:30Crackdown On Leather Units Hits Jobs, Exports Despite PM Modi's Goal<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<span class="fullpost"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJFYDy53Fl1pnjqB848uHP9h2O56Gk2TpXn5M3al1m4k7fZg6T5Br0FCRzHzSgR3xJaQxoQQOFBoX6u5GJGiteWXra4SgFlU4Xdws_z2gKgfki9YJXBz6ij62jULQFWuvrnVTGqroPgz5l/s1600/leather-shoe-reuters_650x400_61507099296.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="650" height="245" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJFYDy53Fl1pnjqB848uHP9h2O56Gk2TpXn5M3al1m4k7fZg6T5Br0FCRzHzSgR3xJaQxoQQOFBoX6u5GJGiteWXra4SgFlU4Xdws_z2gKgfki9YJXBz6ij62jULQFWuvrnVTGqroPgz5l/s400/leather-shoe-reuters_650x400_61507099296.jpg" width="400" /></a></span></div>
<span class="fullpost">
</span>
<br />
<div style="margin: 6pt 0cm; text-align: justify;">
<span class="fullpost"><span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">A
government crackdown on Muslim-dominated abattoirs and the trade of cattle
dragged down India's exports of leather shoes by more than 13 per cent in June,
as leading global brands turned to China, Bangladesh, Indonesia and Pakistan to
secure supplies.</span></span></div>
<span class="fullpost">
</span>
<div style="margin: 6pt 0cm; text-align: justify;">
<span class="fullpost"><span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">The
drop in exports of shoes and leather garments comes as a setback for Prime
Minister Narendra Modi, who has sought to create millions of jobs by more than
doubling the leather industry's revenues to $27 billion by 2020.</span></span></div>
<span class="fullpost">
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">Emboldened
by the victory of the Bharatiya Janata Party (BJP) in the 2014 general
election, Hindu hard-liners became more assertive in their calls for a
clamp-down on both the meat and leather industries, which are largely run by
Muslims, who make up 14 per cent of the population.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">"The
writing was already on the wall," Nazir Ahmed, CEO of shoemaker Park
Exports, told Reuters by phone from the shoe-making hub of Agra. "We have
killed the goose that laid the golden egg."</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">India,
the world's second-biggest supplier of shoes and leather garments, exports
nearly half its leather goods, with overseas sales estimated at $5.7 billion in
the 2016/17 fiscal year to March, down 3.2 per cent from a year earlier.
Footwear exports fell more than 4 per cent in April-June, to $674 million.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">In
March, after being appointed chief minister of Uttar Pradesh, India's most
populous state and a major leather exporter, Yogi Adityanath, a firebrand Hindu
monk, ordered a closure of abattoirs operating without licenses. Hindus
consider cows as sacred.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">Slaughterhouse
owners complain that much of India's meat and leather trade takes place in the
informal sector, and it is hard to get licenses, especially for smaller units.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">In
May, citing cruelty to animals, the central government banned the trade of
cattle for slaughter, and restricted livestock sales only for agricultural
purposes such as ploughing and dairy production.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">But
the Supreme Court overturned that order, citing the hardship the ban had caused.
That has not brought relief as repeated attacks on trucks carrying cattle still
rankle the leather trade.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">"The
Supreme Court has allowed the resumption of trade for cattle, but the ground
reality is that cow vigilante groups continue to be active and no one wants to
risk his life by transporting cattle," Ahmed said.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">Deterred
by a clutch of measures that squeezed the supply of leather, a key raw
material, brands like H&M, Inditex-owned Zara and Clarks, cut back their
orders to India, said M Rafeeque Ahmed, a leading shoe exporter from Chennai
and former president of the Federation of Indian Export Organisations.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">"We
lost orders because our buyers were sceptical of our ability to meet their
requirements. Instead, most buyers moved to rival suppliers in Asia and
southeast Asia," he said. A spokesman for the Trade Ministry declined to
comment.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">Earlier
this year, a Finance Ministry report said India should sign more free trade agreements,
make tax, and labour reforms to drive leather exports, which offer “tremendous
opportunities for (the) creation of jobs</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">The
industry is also grappling with the national Goods and Services Tax, introduced
in July, which has pushed up production costs by 6-7 per cent, exporters said.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt;">The
crackdown also hurt day-workers employed at shoe and garment making units and
hit leather supplies, forcing manufacturers to import hides from the United
States, Australia, and some European nations, raising the cost of production
and squeezing margins.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">Many
tanneries, as a result, have run out of leather. "My business has come to
a standstill because I don't have any inventory at all. Most large shoemakers
are importing hides now," said a tannery owner, who asked not to be named
so as to avoid retaliation from cow vigilante groups.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">Nearly
a third of the roughly 3 million-strong workforce, mostly lowly-paid casual
workers employed in the leather sector, have lost their jobs in the past six
months, according to six shoemakers and two tannery owners interviewed by
Reuters for this article.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">Since
most states have outlawed cow slaughter, the supply of leather largely comes
from the legal slaughter of buffaloes whose skins are used in many leather
goods.</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">"Everyone
must abide by the rule on cow slaughter and respect sentiments, but by choking
the supply of other animal hides, we have nearly killed a thriving
industry," said Ahmed of Park Exports.</span></div>
<br />
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">© Thomson
Reuters 2017</span></div>
<div style="margin: 6pt 0cm; text-align: justify;">
<span style="font-family: "calibri light" , sans-serif; font-size: 12pt; line-height: 107%;">Source: NDTV - <a href="https://www.ndtv.com/business/crackdown-on-leather-units-hits-jobs-exports-despite-pm-modis-goal-1758388?pfrom=home-lateststories">Click link here</a> - October 4, 2017</span></div>
</span></div>
mChttp://www.blogger.com/profile/06758418344721864276noreply@blogger.com7tag:blogger.com,1999:blog-613618993364322876.post-69321038772838500402017-10-03T14:00:00.000+05:302017-10-03T14:03:28.665+05:30Aadhaar-Linking Deadlines: Ensure You Link Your Aadhar Card<div class="MsoListParagraph" style="line-height: normal; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<b><span style="font-family: "times new roman" , serif; font-size: 13.5pt;">Deadline for linking Aadhaar with PAN is
December 31, 2017<o:p></o:p></span></b></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2sU9OG8BJOamj8uA0arSGn6ERMlZxiHnaSxeBbdSF3v6vMGAtyX4NKt4bFN8TQfyJ1MMNz5eAGyUZfqPM54ohqx6UmYn8pFeIxXYVEaTXgpthW5l50qNpWM1Eq27cj_9devEA61ncC6na/s1600/link+aadhar+card+pan+card.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="color: black;"><img border="0" data-original-height="231" data-original-width="472" height="195" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2sU9OG8BJOamj8uA0arSGn6ERMlZxiHnaSxeBbdSF3v6vMGAtyX4NKt4bFN8TQfyJ1MMNz5eAGyUZfqPM54ohqx6UmYn8pFeIxXYVEaTXgpthW5l50qNpWM1Eq27cj_9devEA61ncC6na/s400/link+aadhar+card+pan+card.jpg" style="cursor: move;" width="400" /></span></a></div>
<div class="MsoNormal" style="background: white; line-height: 20.25pt; margin-bottom: 15.0pt; text-align: justify; vertical-align: baseline;">
<span style="color: #0c0c0c; font-family: "fauna one" , serif;"><span style="font-size: 12pt;">The government has made
it mandatory to link Aadhaar cards with bank accounts, permanent account
numbers (PAN), income tax return (ITR), social security schemes and even mobile
phones. If one does not have the 12-digit Unique Identification Number issued
by the Unique Identification Authority of India, he will have to now get it
made in order to avail all these facilities. In fact, the government recently
extended the deadline for obtaining Aadhaar for availing government schemes and
subsidies by three months to December 31. The extension is, however, o</span></span><a href="https://www.ndtv.com/business/deadline-for-obtaining-aadhaar-to-avail-government-schemes-extended-by-3-months-1756021" style="font-family: "fauna one", serif; font-size: 12pt;"><span style="color: #0c0c0c; text-decoration-line: none;">nly for those
who are yet to apply for Aadhaar</span></a><span style="color: #0c0c0c; font-family: "fauna one" , serif;"><span style="font-size: 12pt;">, an order issued by the Ministry of
Electronics and Information Technology said. As many as 135 schemes (of 35
ministries) including the free cooking gas (LPG) to poor women, kerosene and </span>fertilizer<span style="font-size: 12pt;"> subsidy, targeted public distribution system and Mahatma Gandhi
National Rural Employment Guarantee Act (MGNREGA) will be covered by the
extension.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="background: white; line-height: 20.25pt; margin-bottom: 15.0pt; text-align: justify; vertical-align: baseline;">
<span style="font-family: "fauna one" , serif; font-size: 12.0pt;">Be it linking of Aadhaar
card with PAN, mobile SIM cards or bank accounts, there are different deadlines
specified in each case. <b><a href="https://www.personalfn.com/fns/3-easy-steps-to-link-your-aadhaar-with-pan-card">Read
Further</a>:</b><o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: normal; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<b><span style="font-family: "times new roman" , serif; font-size: 13.5pt;">Last day for linking Aadhaar with mobile SIMs is
February 6, 2018</span></b><span style="font-family: "times new roman" , serif; font-size: 13.5pt; text-align: center;"> </span></div>
<div class="MsoNormal" style="background: white; line-height: 20.25pt; margin-bottom: 15.0pt; vertical-align: baseline;">
<span style="font-family: "fauna one" , serif; font-size: 12.0pt;">Supreme Court decides to stop sim cards running on fake
identities, now it is mandatory to link aadhaar card with mobile number i.e SIM
Card through bio-metric verification to keep it active. If you don’t link your
sim card with your Aadhar card then your number is going to disconnected very soon.
So if you don’t want to loose your mobile number then make sure that you link
your sim [Airtel, Idea, Vodafone Any] with Aadhar before last date.<o:p></o:p></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgleWqgZuA1rJD6mvBWB1n8Ewt_Pb2ZhxK95FW2qbJ0ci0htSssZnwXh5Y8Z-qgGgKhQ0DVmcVIR5ugDlYj85OxGHPEY6bX3gw_GtGUodrm4gb7Qas3Ht2ZOArYLcqlazyRj9dOKI4cI0Oy/s1600/Link-Aadhar-Card-With-Mobile-Number.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="color: black;"><img border="0" data-original-height="350" data-original-width="680" height="164" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgleWqgZuA1rJD6mvBWB1n8Ewt_Pb2ZhxK95FW2qbJ0ci0htSssZnwXh5Y8Z-qgGgKhQ0DVmcVIR5ugDlYj85OxGHPEY6bX3gw_GtGUodrm4gb7Qas3Ht2ZOArYLcqlazyRj9dOKI4cI0Oy/s320/Link-Aadhar-Card-With-Mobile-Number.jpg" width="320" /></span></a></div>
<div class="MsoNormal" style="background: white; line-height: 20.25pt; margin-bottom: 15.0pt; vertical-align: baseline;">
<span style="font-family: "fauna one" , serif; font-size: 12.0pt;">In case, you have purchased sim card with biometric verification
then you don’t have to go through this verification process. The linking
process is very simple and free of cost and can be done at any retailer shop.
Also you don’t have to give your id card photocopy or photographs to retailer
as this process is based on biometric verification which gets completed online
so all you need a aadhaar card, sim card along with owner of aadhaar card as
this process includes biometric verification so you will have to verify your
fingerprints at retailer shop so your linkage can be authenticated. <a href="https://dealgyan.com/link-aadhar-card-with-mobile-number/" target="_blank"><b>Read
Further</b></a><b>:</b><o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: normal; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<b><span style="font-family: "times new roman" , serif; font-size: 13.5pt;">Deadline for submitting Aadhaar to banks is also
December 31, 2017<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background: white; line-height: 20.25pt; margin-bottom: 15.0pt; text-align: justify; vertical-align: baseline;">
<span style="font-family: "fauna one" , serif; font-size: 12.0pt;">Linking Aadhaar Card with
Bank Account via Online & Offline Mode | Updation of Aadhaar details to
Bank Account for LPG Subsidy<o:p></o:p></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlCd8TvZWZyzzbyw-vsABTAeZHc5Ng_q5Wo_ikQ92Eg858zO7NdrC1NmCqYHl9TMIfCKVcQZj-jpMSjoQmdTHlD8Yg2enM0g8fLfe_zNbjUlSvYG_tFCm3QoopB8YmQAAfxTErjeBXh6pW/s1600/how+to+link+aadhar+card+bank+account.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="color: black;"><img border="0" data-original-height="640" data-original-width="960" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlCd8TvZWZyzzbyw-vsABTAeZHc5Ng_q5Wo_ikQ92Eg858zO7NdrC1NmCqYHl9TMIfCKVcQZj-jpMSjoQmdTHlD8Yg2enM0g8fLfe_zNbjUlSvYG_tFCm3QoopB8YmQAAfxTErjeBXh6pW/s320/how+to+link+aadhar+card+bank+account.png" width="320" /></span></a></div>
<div class="MsoNormal" style="background: white; line-height: 20.25pt; margin-bottom: 15.0pt; text-align: justify; vertical-align: baseline;">
<span style="font-family: "fauna one" , serif; font-size: 12.0pt;">Our Government is
encouraging people to update aadhaar card details with their respective bank
accounts. People often get confused with the process of Linking aadhaar card
with bank account. The process is actually quite easy and can be completed
easily. I will be explaining the methods that will be applicable to almost all
Banks. No matter if your Bank is State bank of India(SBI), Punjab National
Bank(PNB), Oriental Bank of Commerce(OBC), HDFC, ICICI,Canara, Axis Bank or any
other. However, i also try to explain the process for each bank separately
under a separate category. This particular post is dedicated to provide the
general steps of updating aadhaar number and other details with bank account. <b><a href="http://www.aadharcardlink.in/how-to-link-aadhaar-card-to-bank-account-online-offline/">Read
Further</a>:</b><o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: normal; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -18.0pt;">
<b><span style="font-family: "times new roman" , serif; font-size: 13.5pt;">Last date to give Aadhaar details to avail
social schemes - December 31, 2017<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background: white; line-height: 20.25pt; margin-bottom: 15.0pt; text-align: justify; vertical-align: baseline;">
<span style="font-family: "fauna one" , serif; font-size: 12.0pt;">Aadhaar number has to be
provided for availing of all social security schemes by December 31, 2017. In
order to avail pension, LPG cylinders or government scholarships, one must
provide his or her Aadhaar card details.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgskNStkLUeCBUfMD41v4LeItGqmgf6JlbeeLoiayYG44yKuCWsbfHnqxNJPB4Zz3AXdjVmO78oJ4asy8JYlp6g_qACn9D261878v4-ibD7i5KQWREEqTy3tNtSrISaoaWOxQU1rSccPs6/s1600/aadhar+social+scheme+seeding.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="color: black;"><img border="0" data-original-height="336" data-original-width="702" height="152" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgskNStkLUeCBUfMD41v4LeItGqmgf6JlbeeLoiayYG44yKuCWsbfHnqxNJPB4Zz3AXdjVmO78oJ4asy8JYlp6g_qACn9D261878v4-ibD7i5KQWREEqTy3tNtSrISaoaWOxQU1rSccPs6/s320/aadhar+social+scheme+seeding.jpg" width="320" /></span></a></div>
<o:p></o:p><br />
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<span style="font-family: "fauna one" , serif; font-size: 12.0pt;">Meanwhile, the government
also plans to make linking of Aadhaar mandatory for driving licence. "It
(Aadhaar-Licence linking) would be done soon to check the menace of multiple
licensing," Electronics and IT Minister Ravi Shankar Prasad has said.
(With agency inputs)<o:p></o:p></span></div>
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<span style="color: #0c0c0c; font-family: "fauna one" , serif;">According to latest judgement by Supreme Court which came on 11 August,2015 .It has clearly stated to center as well as states that no Indian citizen would suffer or denied from any Social Welfare Scheme if he /she is not having Aadhaar card. The Aadhaar card is issued by Unique Identification Authority of India. In this decision Supreme Court has allowed the centre to link the Public Distribution System (PDS) and LPG Subsidy with the Aadhaar card data. Further the court has rejected the appeal to connect other schemes with Aadhaar card. <b><a href="https://www.moneydial.com/blogs/5-important-points-about-aadhaar-card-by-supreme-court-judgement/" target="_blank">Read Further</a>:</b></span></div>
Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-613618993364322876.post-87565761055396401472017-09-28T12:45:00.003+05:302017-10-03T14:07:23.490+05:30A DREAM COME TRUE: HPE PRE-OFF CAMPUS DRIVE @ CAHCET<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-family: "arial" , sans-serif;">A long term plan, A long term dream, A long term project</span></b><o:p></o:p></div>
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<span style="color: #0c0c0c; font-family: "fauna one" , serif; font-size: 12.0pt;">Yes it is! not an easy
task to bring off campus. But we tried and got it done, am glad and thankful to
all the volunteers and the management team of CAHCET.<o:p></o:p></span></div>
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<b><span style="color: #0c0c0c; font-family: "fauna one" , serif; font-size: 12.0pt;">Event
Summary:<o:p></o:p></span></b></div>
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<!--[if !supportLists]--><span style="color: #0c0c0c; font-family: "courier new"; font-size: 12.0pt;">o<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #0c0c0c; font-family: "fauna one" , serif; font-size: 12.0pt;">It’s always been a pride to walk in the University with our
Brand, connecting with young minds sharing all the information about the HPE
Career, work life balance, Innovation & Technology.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 20.25pt; margin-bottom: 15pt; text-align: justify; text-indent: -18pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #0c0c0c; font-family: "courier new"; font-size: 12.0pt;">o<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #0c0c0c; font-family: "fauna one" , serif; font-size: 12.0pt;">Covering about 700+ Students and engaging all of them with the
help of 8 HPE volunteers.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #0c0c0c; font-family: "courier new"; font-size: 12.0pt;">o<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="color: #0c0c0c; font-family: "fauna one" , serif; font-size: 12.0pt;">We got very positive feedback from the students &
faculty members, they found it very useful, especially all the volunteers (as
they all belong to the same University).</span></div>
<div class="MsoListParagraphCxSpLast" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 20.25pt; margin-bottom: 15pt; text-align: justify; text-indent: -18pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="color: #0c0c0c; font-family: "courier new"; font-size: 12.0pt;">o<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="color: #0c0c0c; font-family: "fauna one" , serif; font-size: 12.0pt;">We had
simple quiz and gifts were distributed to majority of the participants, Photo
shoot was really amazing and those who upload the #meetHPE in social media.<o:p></o:p></span></div>
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Suhailhttp://www.blogger.com/profile/09175451176279895827noreply@blogger.com1tag:blogger.com,1999:blog-613618993364322876.post-40191071015079164272017-09-28T12:25:00.001+05:302017-10-03T14:23:00.134+05:30Melvisharam SSLC & HSC TOPPERS RECOGNITION - 2017<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">Making a Difference!... <o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">We are so very diverse in terms of technology. There is almost
nothing that we don’t do.<o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">And that allows me to think – what is the next great thing I
want to do? and then someone at among my contacts will definitely have the
expertise to help make the idea a reality.<o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">It was amazing! connecting with the school toppers of our
Basti!. and honoring them.<o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">Next Year will make it
more especial inshallah - Plans in place<o:p></o:p></span></div>
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<b><u><span style="font-family: "fauna one" , serif; font-size: 12pt;">Especial Thanks to:<o:p></o:p></span></u></b></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">The Principal of Islamiah
Boys Higher Secondary School <o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">The Principal of KH Boys
Higher Secondary School <o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">Mr. Irshad Sir.<o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">Mr. Naymathullah -
Techirsh <o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">Mr. Zafer Ahmed - for
helping me in all logistics.<o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">Mr. Abdul Majeed and; Faaique
Sadathullah, and all other Volunteers.<o:p></o:p></span></div>
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<b><u><span style="font-family: "fauna one" , serif; font-size: 12pt;">Sponsors:<o:p></o:p></span></u></b></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">1. VserV<o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">2. Shameem Pharmacy<o:p></o:p></span></div>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">3. ZQ Hardware <o:p></o:p></span></div>
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<span style="font-family: "georgia" , serif; font-size: 10.5pt;">“It's the action,
not the fruit of the action, that's important. You have to do the right thing.
It may not be in your power, may not be in your time, that there'll be any
fruit. But that doesn't mean you stop doing the right thing. You may never know
what results come from your action. But if you do nothing, there will be no
result.” – Mahatma Gandhi </span><span style="font-family: "fauna one" , serif; font-size: 12pt;"><o:p></o:p></span></div>
<o:p></o:p>
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<span style="font-family: "fauna one" , serif; font-size: 12pt;">The beauty comes when we
shape others to make a difference in their life. That is the beauty of coaching
to inspire our next generation of students. </span><span style="font-family: "helvetica" , sans-serif; font-size: 10.5pt;">We thank
everyone for their kind support to make this event great and memorable to
everyone.</span><span style="font-family: "fauna one" , serif; font-size: 12pt;"><o:p></o:p></span></div>
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Suhailhttp://www.blogger.com/profile/09175451176279895827noreply@blogger.com1tag:blogger.com,1999:blog-613618993364322876.post-32613065970844400912017-09-26T16:11:00.001+05:302017-09-26T16:11:39.820+05:30International Chocolate Day Celebration Sep 13, 2017<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #1d2129; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px;">Yipee Itz Time for Some Chocolates- International Chocolate Day Celebration Sep 13: Collected over 5000 different variety of chocolates from our Chennai </span><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://www.facebook.com/hashtag/dxc?source=feed_text&story_id=10159708793915157" style="background-color: white; color: #365899; cursor: pointer; font-family: helvetica, arial, sans-serif; font-size: 14px;"><span class="_5afx" style="direction: ltr; font-family: inherit;"><span aria-label="hashtag" class="_58cl _5afz" style="color: #4267b2; font-family: inherit; unicode-bidi: isolate;">#</span><span class="_58cm" style="font-family: inherit;">DXC</span></span></a><span style="background-color: white;"><span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14px;"> employees and distributed it to various Chennai NGO's and Government Schools in Visharam. Especial thanks to my Father Janab. Minni Zafer Ahmed sahib. who took all the efforts to visit couple of Government Schools in Melvisharam & Kilvisharam and distributed about 500+ chocolates. I will have the photos uploaded soon.</span></span></span><br />
<span style="background-color: white;"><span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14px;"><br /></span></span></span><span style="background-color: white;"><span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14px;">Now we are planning to distribute chocolates in Ilyas Sir's tuition - heard of discipline and quality among students, to acknowledge & appreciate them we are having this drive on 1st Oct 2017 time 6:30 AM.</span></span></span><br />
<span style="background-color: white;"><span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14px;"><br /></span></span></span><span style="background-color: white;"><span style="color: #1d2129; font-family: "helvetica" , "arial" , sans-serif;"><span style="font-size: 14px;">Requesting you to join hands and make a difference</span></span></span><br />
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Suhailhttp://www.blogger.com/profile/09175451176279895827noreply@blogger.com2tag:blogger.com,1999:blog-613618993364322876.post-92111686613713472662016-05-03T19:37:00.000+05:302016-05-03T19:43:01.858+05:30Lend us a helping hand, Leather Industry urges Government<div class="separator" style="clear: both; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/proxy/AVvXsEgIsyZ4_0hH39rQ-Ln_ap9mxDtjPk1RU35m12VUe_jg4iKErL1-AJVt3HeeO9dGbmLVzksfz1Jk6XuxPxcec4QVUax-Nchdkk9mNl_nIm-ZWz_ENvkNrKIablOubsCyO7u5xQL-5PYPTkGJ7tBZkXFq_FOvQ6FzZ4Lru9GNeG-KGLmL6ymFREaRrf2rAKBuGXE=" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Vellore accounts for 30 per cent of leather exports in the country and stakeholders want the government to play a bigger role in improving the sector.— File Photo: D.Gopalakrishnan" border="0" src="http://www.thehindu.com/multimedia/dynamic/02838/TH03_Leather_G6_TH_2838012f.jpg" height="266" width="320" /></a></div>
<span style="background-color: white; color: #3b3a39; font-size: 10.5pt; text-align: justify;">The leather industry in Vellore district is one of the largest in the
country, and it is looking to the State government for help with resources and
give a boost to the infrastructure.</span><br />
<div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">Areas in
Vellore district, particularly Ranipet, Melvisharam, Ambur and Vaniyambadi, are
home to hundreds of leather manufacturing units. Nationally, if the whole State
accounts for 45 per cent of leather exports, Vellore’s share stands at 30 per
cent, according to M. Rafeeque Ahmed, chairman of Council for Leather Exports.<o:p></o:p></span></div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">“When it
comes to leather exports, Vellore is the largest contributing district. One of
the biggest problems faced by the sector here is environment related. In many
States, the government contributes to enable leather industries to adopt and
implement a zero-liquid discharge system,” he says.<o:p></o:p></span></div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">While
industries get funding from the Centre for the implementation of the system,
the Tamil Nadu government, Mr. Ahmed says, should contribute funds for bringing
in a permanent solution.<o:p></o:p></span></div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">Another
crucial requirement for the leather sector is continuous power supply. To boost
exports, the State government should intervene and get the Chennai
Port-Maduravoyal elevated expressway built fast, he adds.<o:p></o:p></span></div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">“The works
have been stalled for nearly five years. If this is completed, there will be
24-hour movement of container lorries. Presently, lorries are allowed into the
port after 10 p.m. and this is leading to queuing of vehicles. The project will
breathe life into the port.”<o:p></o:p></span></div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<b style="outline: 0px;"><span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">Water
shortage</span></b><span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;"><o:p></o:p></span></div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">S. Faiyaz
Ahmed, honorary secretary of Ambur Tanners Association, also insists that the
government should invest in the sector. “We are facing a water shortage in
Vellore. We recycle processed water and reuse it. Currently, we are able to
recycle 70 per cent water, and want to take this to 90 per cent. This requires
a lot of investment, and we need the State government’s investment to take this
forward.”<o:p></o:p></span></div>
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<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">Of the
total exports, Vellore alone accounts for Rs. 5,000-Rs. 6000 crore worth of
products.<o:p></o:p></span></div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">“Many
foreigners visit places such as Ranipet, Ambur and Vaniyambadi. The
municipalities do not have sewage treatment plants and sewage overflows onto
the roads in many areas, and this does not give a good impression,” he says.
The government, Mr. Faiyaz Ahmed adds, should provide special attention for towns
that generate employment and foreign exchange and establish proper
infrastructure such as STPs and roads.<o:p></o:p></span></div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">According
to him, the town of Ambur contributes Rs. 14 crore annually to the Employees’
State Insurance Scheme. But, the people here do not get to enjoy the benefits.<o:p></o:p></span></div>
<div style="background: white; line-height: 13.5pt; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #3b3a39; font-family: "georgia" , "serif"; font-size: 10.5pt;">“Only two
ESI hospitals in the State — at Chennai and Salem — performed major surgeries,”
he points out. “The ESI dispensary at Ambur should be upgraded and equipped to
perform major surgeries.”<o:p></o:p></span></div>
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<o:p> </o:p><span style="background-color: white; color: #3b3a39; font-family: "georgia" , "times new roman" , "times" , serif; font-size: 14px; line-height: 18px;">Source: </span><a href="http://www.thehindu.com/news/national/tamil-nadu/lend-us-a-helping-hand-leather-industry-urges-govt/article8549231.ece" style="background-color: white; font-family: georgia, 'times new roman', times, serif; font-size: 14px; line-height: 18px;" target="_blank">THE HINDU</a></div>
<span class="fullpost"></span></div>
<!-- Blogger automated replacement: "https://images-blogger-opensocial.googleusercontent.com/gadgets/proxy?url=http%3A%2F%2Fwww.thehindu.com%2Fmultimedia%2Fdynamic%2F02838%2FTH03_Leather_G6_TH_2838012f.jpg&container=blogger&gadget=a&rewriteMime=image%2F*" with "https://blogger.googleusercontent.com/img/proxy/AVvXsEgIsyZ4_0hH39rQ-Ln_ap9mxDtjPk1RU35m12VUe_jg4iKErL1-AJVt3HeeO9dGbmLVzksfz1Jk6XuxPxcec4QVUax-Nchdkk9mNl_nIm-ZWz_ENvkNrKIablOubsCyO7u5xQL-5PYPTkGJ7tBZkXFq_FOvQ6FzZ4Lru9GNeG-KGLmL6ymFREaRrf2rAKBuGXE=" -->Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-613618993364322876.post-18616401437074684252015-10-06T13:31:00.000+05:302015-10-06T13:31:18.494+05:30Graduation Day: Over 450 candidates get degrees at MMES Arts & Science College for Women in Melvisharam<div dir="ltr" style="text-align: left;" trbidi="on">
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<img border="0" closure_lm_453603="null" height="226" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEji5_V-OI9eMvnTJSaMV_afWd0s3VRRdLhFRd6xf5vXnHCusXzgVw0mZhkj-nJWLfpT01XIxeS-Ag-gO2tij-yuOJbaMGqtM2VirD321LeEl8cqaXgtGXj4hCNrcxr-i_AItMRGm1mDUPoz/s320/graduation-jokes-and-funny-cartoon.jpg" uva="true" width="320" /></div>
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<span class="fullpost">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.</span></div>
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Fifteen of them are university rank holders of Thiruvalluvar University, Vellore — seven postgraduates and eight graduates.</div>
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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.</div>
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Following are the University rank-holders: </div>
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Arifa and Thasleemunnisa C. (I and II rank, M.Sc. Biotechnology); </div>
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Pavithra K. (III rank, B.A. English); </div>
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Suhajidha Thabasum S. (III rank, B.Sc. Computer Science); </div>
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Arifa Yasmeen F. (III rank, M.A. English); </div>
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<br /></div>
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Noorunisha M. (V rank, BBA); </div>
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<br /></div>
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Srimathi R. (V rank, B.Sc. Biotechnology); </div>
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Jansi Priyanka J. (VI rank, BBA); Anitha S. (VI rank, M.A. English); </div>
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Sogarunnisa H. (VI rank, B.Sc. Biotechnology); Shabnam Shereen A. (VI rank, M.Sc. Biotechnology); </div>
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Suganya S. (VII rank, M.A. English); Asma Afreen M.H. (IX rank, B.Sc. Biotechnology); </div>
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Sohaniya Taj H. (X rank, B.Sc. Biotechnology); Sopna R. (X rank, M.Sc. Biotechnology).</div>
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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!</div>
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mChttp://www.blogger.com/profile/06758418344721864276noreply@blogger.com2tag:blogger.com,1999:blog-613618993364322876.post-46144479797906144542015-09-23T12:30:00.000+05:302015-09-28T12:34:13.365+05:30World Heart Day Special Free Check-up Camp - Apollo KH Hospital, Melvisharam<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
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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. <o:p></o:p></div>
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Time : 08 a.m. to 1.00 p.m. <o:p></o:p></div>
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Date : 29.09.2015 <o:p></o:p></div>
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Place : Apollo KH Hospital, Melvisharam. <o:p></o:p></div>
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Ranipet-Vellore Bypass Road, Meivisharam - 632 509.
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<o:p></o:p></div>
<span style="text-align: justify;">Phone : (04172) 269581 - 85, Fax : 269131</span><span style="text-align: justify;"> </span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidRpJAY3IR6ZChBFfXtlQCkKFthT_RRvSewPlTVVvWxq7S4X-xV6ydURm8GiH6NIzxOoEtNZPcShZvG42V7bJmAIiLuRQkaHZGQ8ahVuiOXeJRoeG9QE68IxHzGi2dv4ujulV4ngaILI2x/s1600/apollo_KH_Mmelvisharam_bus_stop_vellore.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidRpJAY3IR6ZChBFfXtlQCkKFthT_RRvSewPlTVVvWxq7S4X-xV6ydURm8GiH6NIzxOoEtNZPcShZvG42V7bJmAIiLuRQkaHZGQ8ahVuiOXeJRoeG9QE68IxHzGi2dv4ujulV4ngaILI2x/s640/apollo_KH_Mmelvisharam_bus_stop_vellore.jpg" width="472" /></a></div>
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<span class="fullpost"></span>Unknownnoreply@blogger.com0Melvisharam, Tamil Nadu, India12.9203265 79.27048539999998412.8893735 79.230144899999985 12.9512795 79.310825899999983tag:blogger.com,1999:blog-613618993364322876.post-21666011852796661782015-05-08T13:42:00.000+05:302015-05-08T13:45:08.954+05:30Patna Passport Officers Are Removing Skull Caps Of Ongoing Hajis While Taking Snaps<div dir="ltr" style="text-align: left;" trbidi="on">
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<span class="fullpost">Date: May 8, 2015 By <a href="http://muslimmirror.com/eng/patna-passport-officers-are-removing-caps-of-ongoing-hajis-while-taking-snaps/" target="_blank">Muslim Mirror News</a></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAHwiilgchi9ngC4AgCxuunZwoz1yrz1m8mYTNjL0LM9FQUACSYx-qd6q_d2kfKovpx07-0ZGJvOysU27DRLNHnQrHSI_9zzE6Bx6q926jKZ1uRdlPGiPT_pX5Sq6XJh09P0MnlK_UwYLN/s1600/patna_passport_officers.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAHwiilgchi9ngC4AgCxuunZwoz1yrz1m8mYTNjL0LM9FQUACSYx-qd6q_d2kfKovpx07-0ZGJvOysU27DRLNHnQrHSI_9zzE6Bx6q926jKZ1uRdlPGiPT_pX5Sq6XJh09P0MnlK_UwYLN/s400/patna_passport_officers.jpg" width="400" /></a></div>
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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.</div>
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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.</div>
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According to Article 25 it has been very clearly mentioned that anyone can wear dress according to his religion.</div>
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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.</div>
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<br /></div>
<div style="text-align: justify;">
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.</div>
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mChttp://www.blogger.com/profile/06758418344721864276noreply@blogger.com4tag:blogger.com,1999:blog-613618993364322876.post-46261172445047096792015-05-08T12:12:00.000+05:302015-05-08T12:18:27.866+05:30Students Are No More Interested In The SCIENCES. Why???<div class="MsoNormal" style="text-align: center;">
Date: May 8, 2015 posted on Masha’l
by <a href="https://www.facebook.com/professorsuhail?fref=nf"><b><span style="background: white; color: #3b5998; font-family: "Helvetica","sans-serif"; font-size: 10.5pt; line-height: 115%;">Mohammed Suhail</span></b></a><o:p></o:p></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiK-qvxNQBHWHM8wimlAGfCKEtn02ShkyPGPXcGAz0VWC7SY9RlkXsuB9PP21PUAG97bGwEECqh2hJ5KXtFl6rhDGf_2za_jToi8IDaSKGcdkXRxBp-iyczrZnUUvH5bDweg70WkmuMTuA/s1600/Sciences.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiK-qvxNQBHWHM8wimlAGfCKEtn02ShkyPGPXcGAz0VWC7SY9RlkXsuB9PP21PUAG97bGwEECqh2hJ5KXtFl6rhDGf_2za_jToi8IDaSKGcdkXRxBp-iyczrZnUUvH5bDweg70WkmuMTuA/s400/Sciences.jpg" width="400" /></a></div>
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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.</div>
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<o:p></o:p><br /></div>
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The same is the case for Vaniyambadi where Prof. Mohammed Suhail gives his thoughts in
his FB page. Here is the extract below:<o:p></o:p></div>
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Kind Attention: PLUS TWO GRADS<o:p></o:p></div>
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Students are no more interested in the SCIENCES.
Why???<o:p></o:p></div>
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At home, Islamiah College (Autonomous), Vaniyambadi
offers<o:p></o:p></div>
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B.Sc, M.Sc., M.Phil., & Ph.D in PHYSICS<o:p></o:p></div>
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WOULD YOU LIKE TO BECOME A PHYSICIST<o:p></o:p></div>
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What Can You Do With a College Degree in Physics?<o:p></o:p></div>
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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.<o:p></o:p></div>
</div>
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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:<o:p></o:p></div>
</div>
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Nuclear Physics<o:p></o:p></div>
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Geophysics<o:p></o:p></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAcwoB3kw1SNhRkvO1vlPrDwtaYXkNKm5dgKsOaaa7zyY_TbeBWeFkf-4xdMNLYK_PoBNYWB-FN1pJgJGznL2Xfwr5rkF91OV4eIzM-gJQKgHb-rAUILuDO1ZFYArD1RpUSy3H0mr7k-2O/s1600/qurrah.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="182" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAcwoB3kw1SNhRkvO1vlPrDwtaYXkNKm5dgKsOaaa7zyY_TbeBWeFkf-4xdMNLYK_PoBNYWB-FN1pJgJGznL2Xfwr5rkF91OV4eIzM-gJQKgHb-rAUILuDO1ZFYArD1RpUSy3H0mr7k-2O/s320/qurrah.jpg" width="320" /></a>Atomic, Molecular and Optical Physics<o:p></o:p></div>
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Astronomy<o:p></o:p></div>
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Astrophysics<o:p></o:p></div>
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Space Physics<o:p></o:p></div>
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Physics Education<o:p></o:p></div>
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Engineering Physics<o:p></o:p></div>
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Computer Science<o:p></o:p></div>
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Go through this article to know more!<o:p></o:p></div>
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And CLICK ON THE LINK<o:p></o:p></div>
<br />
<div style="background: white; line-height: 14.5pt; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 0in; margin-right: 0in; margin-top: 4.5pt; text-align: justify;">
<span style="color: #141823; font-family: "Helvetica","sans-serif"; font-size: 10.5pt;"><a href="http://www.worldwidelearn.com/online-education-guide/science/physics-major.htm" target="_blank"><span style="color: #3b5998; text-decoration: none; text-underline: none;">http://www.worldwidelearn.com/online-ed…/…/physics-major.htm</span></a><o:p></o:p></span></div>
mChttp://www.blogger.com/profile/06758418344721864276noreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-85336123114424397512015-05-07T18:42:00.000+05:302015-05-07T18:45:00.099+05:30CAHCET - Awarded "A Grade" By NAAC<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjFukPQVWyIhRm-rhHLI2S3ayRr2rxJAjJppp6WwrrFZ1SJXpFr8P9cq-0_GBgpXmCEh76lHlJ1HFmcjjbKe5uIgNoZJ3Gz_bSc9bmgyWRyAnO91Cuhsa8irxOBrYBtgJnBWhoNHfrWI7m/s1600/cahcet_address_vellore.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="color: black;"><img border="0" height="172" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjFukPQVWyIhRm-rhHLI2S3ayRr2rxJAjJppp6WwrrFZ1SJXpFr8P9cq-0_GBgpXmCEh76lHlJ1HFmcjjbKe5uIgNoZJ3Gz_bSc9bmgyWRyAnO91Cuhsa8irxOBrYBtgJnBWhoNHfrWI7m/s400/cahcet_address_vellore.jpg" width="400" /></span></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-IJKTYf6XegABZc10KbPoqMvHbSyDbTGI1Ar4BNGUDNfMxza7CVxCzfhu2xX5L6cwiwvR0BEI3ZctIIN4Lb9EeIFelXX4HzG3kcagbagGqYiLu_1bmAmdb34ZjppuZjv9LgERFX5ZBa6j/s1600/CAHCET_NAAC_LOGO.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="color: black;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-IJKTYf6XegABZc10KbPoqMvHbSyDbTGI1Ar4BNGUDNfMxza7CVxCzfhu2xX5L6cwiwvR0BEI3ZctIIN4Lb9EeIFelXX4HzG3kcagbagGqYiLu_1bmAmdb34ZjppuZjv9LgERFX5ZBa6j/s200/CAHCET_NAAC_LOGO.png" width="200" /></span></a></div>
<div class="separator" style="clear: both; text-align: center;">
<span style="line-height: 150%; text-align: justify;">Date: May 7, 2015, Source: </span><a href="http://www.thehindu.com/news/national/tamil-nadu/naac-gives-a-grade-to-engineering-college/article7179409.ece" style="line-height: 150%; text-align: justify;" target="_blank">THE HINDU</a></div>
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<span style="font-family: Times, Times New Roman, serif;">The National Assessment and Accreditation Council
(NAAC) has awarded `A’ grade to the C. Abdul Hakeem College of Engineering and
Technology (CAHCET), Melvisharam.<o:p></o:p></span></div>
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<span style="font-family: Times, Times New Roman, serif;">The college was assessed by a strong peer team.<o:p></o:p></span></div>
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<span style="font-family: Times, Times New Roman, serif;">According to a press release from the college, the
peer team was led by B.S. Sonde, former Vice-Chancellor, Goa University.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-family: Times, Times New Roman, serif;">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
of Engineering.<o:p></o:p></span></div>
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<span style="font-family: Times, Times New Roman, serif;">They visited the college for three days, March 26 to
28, 2015. A number of factors were taken into account for assessment.<o:p></o:p></span></div>
<div class="separator" style="clear: both;">
</div>
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<span style="font-family: Times, Times New Roman, serif;">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.</span><o:p></o:p></div>
<span class="fullpost"></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-10121463190352375702015-04-07T15:44:00.000+05:302015-04-07T15:48:37.520+05:30Treated Water Supply For Vellore Corporation And 11 Municipalities From April Second Week<div class="body" style="background: white; line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="body" style="background: white; line-height: 150%; margin: 6pt 0in; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">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 <a href="http://www.twadboard.gov.in/twad/watersupply_schemes8.aspx" target="_blank">Combined Drinking Water Supply Scheme (CWSS</a>).
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.</span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjg0CsOeJRMQQuGohc9VJY5r3uYLI3wkWXH35bdjUnGlEILo9wGCwySgcagPYhiXKY_NhbAO7Li3mOiojDIb8tApUmNlOcA4kg3lQDDwbcpj8AbSEOQBkCyIo03k0zoaZJQDpZxQF6EOssr/s1600/cauvery_water.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjg0CsOeJRMQQuGohc9VJY5r3uYLI3wkWXH35bdjUnGlEILo9wGCwySgcagPYhiXKY_NhbAO7Li3mOiojDIb8tApUmNlOcA4kg3lQDDwbcpj8AbSEOQBkCyIo03k0zoaZJQDpZxQF6EOssr/s1600/cauvery_water.jpg" /></a></div>
<o:p></o:p><br />
<div class="body" style="background: white; line-height: 150%; margin: 6pt 0in; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="body" style="background: white; line-height: 150%; margin: 6pt 0in; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">The
Collector said that when completed, the <a href="http://www.twadboard.gov.in/twad/watersupply_schemes8.aspx" target="_blank">CWSS</a> 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.<o:p></o:p></span></div>
<div class="body" style="background: white; line-height: 150%; margin: 6pt 0in; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">Replying
to a question, Mr. Nanthagopal said that treated water would be released only
up to Vellore in the second week of April.<o:p></o:p></span></div>
<div class="body" style="background: white; line-height: 150%; margin: 6pt 0in; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="body" style="background: white; line-height: 150%; margin: 6pt 0in; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">Mr.
Veeramani said people of Tirupattur, Ambur and Vaniyambadi have already started
using the water released under <a href="http://www.twadboard.gov.in/twad/watersupply_schemes8.aspx" target="_blank">CWSS</a> after the trial run commenced last week.<o:p></o:p></span></div>
<div class="body" style="background: white; line-height: 150%; margin: 6pt 0in; outline: 0px; text-align: justify;">
<b style="outline: 0px;"><span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">Agitation</span></b><span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;"><o:p></o:p></span></div>
<div class="body" style="background: white; line-height: 150%; margin: 6pt 0in; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="body" style="background: white; line-height: 150%; margin: 6pt 0in; outline: 0px; text-align: justify;">
<span style="font-family: Georgia, serif; font-size: 10.5pt; line-height: 150%;">Source: </span><a href="http://www.thehindu.com/news/national/tamil-nadu/treated-water-supply-for-vellore-from-april-second-week/article7072727.ece?utm_source=RSS_Feed&utm_medium=RSS&utm_campaign=RSS_Syndication" style="font-family: Georgia, serif; font-size: 10.5pt; line-height: 150%;" target="_blank">THE HINDU</a>, <a href="http://www.twadboard.gov.in/twad/watersupply_schemes8.aspx" target="_blank">CWSS</a></div>
<span class="fullpost"></span>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-613618993364322876.post-50869736902715991912015-03-25T15:54:00.001+05:302015-03-26T16:45:43.049+05:30Halal Islamic Tax Saving Investments in India<h3 class="post-title entry-title" itemprop="name" style="background-color: white; font-stretch: normal; margin: 0px; position: relative;">
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<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt; text-align: justify;">
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt; text-align: justify;">
<div style="text-align: justify;">
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">This article is written
by Fazeek Kazi and is an extract from his blog <a href="http://halal-investing.blogspot.com/2012/01/halal-tax-saving-investments-in-india.html"><span style="color: black; text-decoration: none; text-underline: none;">Islamic Personal
Investing</span></a> 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.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt; line-height: 150%;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Halal Tax Saving Investments in India<span style="font-weight: normal;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEho70jTNCpzAXyuS6KV8-7_Eo0-LuE-Z2n9Tqq_XmRxKH3YHzncuz3LGmUs3FnlDR-mxTSpeFxwTau8FwkrEeqgTa2VlELHNgx2rY4iLBL1aHUF0QR-MYek2SpvVh8mb5IkCr1AtstgU5Sr/s1600/halal-money-saving-investments.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="color: black;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEho70jTNCpzAXyuS6KV8-7_Eo0-LuE-Z2n9Tqq_XmRxKH3YHzncuz3LGmUs3FnlDR-mxTSpeFxwTau8FwkrEeqgTa2VlELHNgx2rY4iLBL1aHUF0QR-MYek2SpvVh8mb5IkCr1AtstgU5Sr/s1600/halal-money-saving-investments.jpg" height="240" width="320" /></span></a><span style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: normal; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><span style="font-weight: normal;">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.</span><br />
Interest Based Investments<span style="font-weight: normal;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: normal; line-height: 150%;">All these schemes are
Interest based ones and hence obviously haram.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><a href="http://www.indiapost.gov.in/ppf.aspx"><span style="color: black; text-decoration: none; text-underline: none;">PPF</span></a> (Public
Provident Fund )<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><a href="http://www.indiapost.gov.in/SukanyaSamriddhi.aspx"><span style="color: black; text-decoration: none; text-underline: none;">SSY</span></a>
(Sukanya Samriddhi Account)<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><a href="http://www.indiapost.gov.in/NSC.aspx"><span style="color: black; text-decoration: none; text-underline: none;">NSC</span></a><a href="http://www.indiapost.gov.in/NSC.aspx"><span style="color: black; text-decoration: none; text-underline: none;">/ NSS</span></a> (National
Saving Scheme/ Certificate)<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><a href="http://www.indiapost.gov.in/KVP.aspx"><span style="color: black; text-decoration: none; text-underline: none;">KVP</span></a> (Kisan
Vikas Patra)<o:p></o:p></span></span></div>
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<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">5.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><a href="http://www.indiapost.gov.in/SCSS.aspx"><span style="color: black; text-decoration: none; text-underline: none;">SCSS</span></a> (Senior
Citizens Saving Scheme)<o:p></o:p></span></span></div>
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<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">6.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">FD (Fixed Deposits) <o:p></o:p></span></span></div>
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<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">7.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">TD (Post Office Time Deposit)<o:p></o:p></span></span></div>
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<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">8.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Infrastructure Bonds<o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Insurance</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: normal; line-height: 150%;"><br />
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.<br />
Most of the insurance schemes in India are investment based and none are halal.
The following popular ones have Interest components:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Guaranteed <o:p></o:p></span></span></div>
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<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Highest NAV<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Endowment<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Balanced<o:p></o:p></span></span></div>
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<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">5.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Any of the Jeevan ****** from LIC<o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">ULIP (Unit Linked Insurance Plan) <span style="font-weight: normal;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: normal; line-height: 150%;">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:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">You have no idea about which Stocks the insurance company invests
the ULIP funds as they do not reveal where they have invested.<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpLast" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Rest of the points are same as ELSS below.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Pension Schemes<span style="font-weight: normal;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: normal; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><a href="https://npscra.nsdl.co.in/scheme-information.php"><span style="color: black; text-decoration: none; text-underline: none;">NPS</span></a> (New
Pension Scheme)<o:p></o:p></span></span></div>
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<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">ULPP (Unit Linked Pension Plan)<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Pension Fund from Insurances<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpLast" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Pension Fund from Mutual Funds<o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">ELSS (Equity Linked Savings Scheme)<span style="font-weight: normal;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: normal; line-height: 150%;">Probably the most
popular among Muslims as a non-interest based investment. Unfortunately this is
not halal either. They do the following haram investments<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Although they are equity based, some portion (about 10-20%) will
be invested in Debt instruments.<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Usually they invest a significant portion in shares of Financial
Instituitions like Banks, NBFC, etc.<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">There is nothing stopping them from investing in completely haram
sectors like Alcohol, Sugar, Media & Entertainment, Tobacco.<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">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)<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpLast" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">5.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">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.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: normal; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Home Loans<span style="font-weight: normal;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><span style="font-weight: normal;">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.</span><br />
Compulsory Investments<span style="font-weight: normal;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: normal; line-height: 150%;">The following are Tax
Saving Investments for salaried employees and are usually compulsory; so you do
end up forcefully investing in them.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><a href="https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CB0QFjAA&url=http%3A%2F%2Fwww.epfindia.com%2F&ei=n4wSVaKzL4uDuwTMtIHADA&usg=AFQjCNEclLIk0oZxxzdAn2kpvbMgHuiDmw&sig2=wRDT0nSPqjsAIN1SF89edg&bvm=bv.89184060,d.c2E&cad=rja"><span style="color: black; text-decoration: none; text-underline: none;">EPF</span></a> (Employee
Provident Fund)<o:p></o:p></span></span></div>
<div class="MsoListParagraphCxSpLast" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin: 0in 0in 0.0001pt 0.75in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-weight: normal;"><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Superannuation.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: normal; line-height: 150%;">Since they are forced
over you, you can't do anything about it. However, whenever you resign you can
withdraw the same.<o:p></o:p></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Conclusion<span style="font-weight: normal;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
</div>
<div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: 150%; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><span style="font-weight: normal;">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.</span><o:p></o:p></span></div>
</div>
</div>
</div>
</div>
</h3>
<h3 class="post-title entry-title" itemprop="name" style="background-color: white; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-stretch: normal; margin: 0px; position: relative;">
</h3>
<span class="fullpost"></span>Unknownnoreply@blogger.com23tag:blogger.com,1999:blog-613618993364322876.post-36429161403849568022015-03-19T15:13:00.000+05:302015-03-19T15:13:44.567+05:30How To Withdraw Your Money From PPF Account<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">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.</span></div>
<div style="background: white; line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
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. <o:p></o:p></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">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<b><span style="letter-spacing: -0.1pt;"> <span class="apple-converted-space"> </span></span></b>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.</span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjScW2_B_tS4YLMSPKmWyq2_0rnyiLALeQ-kNOva498MubKCPwmfcqyt6yjZavedjM3LIgJDS7Z0P3k-n6XUj3GEsOSzLIRh6pVS0GL0GAW6iCSJ_90ozXezyIihzqcnmZK5BJgccgRf1Du/s1600/PPF-Withdrawal-Amount+Calculator.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjScW2_B_tS4YLMSPKmWyq2_0rnyiLALeQ-kNOva498MubKCPwmfcqyt6yjZavedjM3LIgJDS7Z0P3k-n6XUj3GEsOSzLIRh6pVS0GL0GAW6iCSJ_90ozXezyIihzqcnmZK5BJgccgRf1Du/s1600/PPF-Withdrawal-Amount+Calculator.png" height="348" width="640" /></a></div>
<o:p></o:p><br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">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. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
For clear information about PPF account opening and withdrawal rules, refer <a href="http://goo.gl/jq1bMp">Rajesh Goyal's article</a> on PPF account AllBankingSolutions.com and <a href="http://goo.gl/O3Co7O">www.ppfaccount.in</a>. </div>
<span class="fullpost"></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-40610172003878912082015-03-09T14:20:00.000+05:302015-03-18T14:04:30.464+05:30What Is Big With Sukanya Samriddhi Account aka Selvamagal Semipu With Calculator Chart<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #4c1130;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">The talk of the
town and many places are about a new scheme going hot on whatsapp circulation,
it is not about <b>“Sukanya Samriddhi
Account”</b>, 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 <b>“Selva
Maghal Thirumana Thittam” </b></span><span style="color: #222222; font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 150%; mso-bidi-font-size: 12.0pt;">(Disclaimer: Please, check for such a scheme)</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #4c1130;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">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 </span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">“Sukanya
Samriddhi Account” or “Selvamagal Semipu”</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">, 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. <o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #4c1130; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">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 <b>“Sukanya Samriddhi Account” </b>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’<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #4c1130;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">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 </span><span style="font-family: "Tahoma","sans-serif"; font-size: 12.0pt; line-height: 150%;">₹</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">
1,000/- in any post office or authorized branches of commercial bank.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #4c1130; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<b><span style="color: #4c1130; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Features Of Sukanya
Samriddhi Account</span></b><br />
<ul>
<li><span style="color: #4c1130; line-height: 150%; text-indent: -0.25in;">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</span></li>
<li><span style="color: #4c1130;"><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Minimum deposit amount
for this account is </span><span style="color: #252525; font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">₹</span><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> 1,000/- and maximum is </span><span style="color: #252525; font-family: "Tahoma","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">₹</span><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> 1,50,000/- per year.</span></span></li>
<li><span style="color: #4c1130; line-height: 150%; text-indent: -0.25in;">Money to be deposited
for 14 years in this account.</span></li>
<li><span style="color: #4c1130; line-height: 150%; text-indent: -0.25in;">Interest rate for this
account is 9.1% per annum, calculated on yearly basis ,Yearly compounded.</span></li>
<li><span style="color: #4c1130; line-height: 150%; text-indent: -0.25in;">Passbook facility is
available with Sukanya Samriddhi account.</span></li>
<li><span style="color: #4c1130; line-height: 150%; text-indent: -0.25in;">From FY 2015-16 the
interest earned on account will be tax exempted. As per Finance Bill 2015-16.</span></li>
</ul>
</div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #4c1130;"><b><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Document required for
opening Sukanya Samriddhi Account:-</span></b><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="background: white; margin: 6pt 0in 6pt 19.45pt; text-align: justify; text-indent: -0.25in;">
<span style="color: #4c1130;"><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Birth certificate of
girl child along with </span><span style="color: #252525; font-family: Symbol; font-size: 10.0pt; mso-bidi-font-family: Symbol; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Symbol;"><span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;"> </span></span><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Address proof and </span><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Identity proof of parent or gurdian of the girl child.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
</div>
<div class="MsoNormal" style="background: white; line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 6.0pt; text-align: justify;">
<span style="color: #4c1130;"><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">Below chart is to understand the amount invested and final amount to be
received till the girl child attains the age of 21 in </span><span style="color: #252525; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Sukanya Samriddhi
account. Table</span><span style="line-height: 150%;"> 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.</span></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDNnS6Zp7hOp3-hMb_a0JW48ilnjczhCAu9BO3GQBPsYZ_2Z8bEFNyWsfIqcC0534TspXtSPXOOwPGEG020NIAP7nS_Ph0jrX795_9NTd9aoJzMYxeUHcOC7Pqd9Jnq2SZtE6pws3oVXYG/s1600/Sukanya+Samriddhi+Account+Calculator.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="color: #4c1130;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDNnS6Zp7hOp3-hMb_a0JW48ilnjczhCAu9BO3GQBPsYZ_2Z8bEFNyWsfIqcC0534TspXtSPXOOwPGEG020NIAP7nS_Ph0jrX795_9NTd9aoJzMYxeUHcOC7Pqd9Jnq2SZtE6pws3oVXYG/s1600/Sukanya+Samriddhi+Account+Calculator.jpg" /></span></a></div>
<span style="color: #4c1130;"><b style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Thanks to my investment ideas: </b><span style="background-color: transparent;"><span style="font-family: Times New Roman, serif;"><b>http://goo.gl/dfJ0eF</b></span></span><b style="background-color: transparent; font-family: 'Times New Roman', serif;"> </b></span></div>
<span class="fullpost"></span>Unknownnoreply@blogger.com9tag:blogger.com,1999:blog-613618993364322876.post-25931352241545583322015-02-08T15:25:00.000+05:302015-04-07T15:32:35.409+05:30Over Rs. 4 lakh worth valuables stolen in Visharam<div class="body" style="background: white; line-height: 150%; margin-bottom: .0001pt; margin: 0in; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">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.</span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXYcTbZVoOJMcOiXeUnRUfPz6ziLdLphQhmgcShcY3ulEQwzBCcOXX7zhQIAx29abosyb7MORBuF65PAWpjqctRSSpoRkhV3iLz4-F9I2Jypwm-6yui2BGhy3ICzpOIDsJfNkdbr8KnNfI/s1600/Stolen.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXYcTbZVoOJMcOiXeUnRUfPz6ziLdLphQhmgcShcY3ulEQwzBCcOXX7zhQIAx29abosyb7MORBuF65PAWpjqctRSSpoRkhV3iLz4-F9I2Jypwm-6yui2BGhy3ICzpOIDsJfNkdbr8KnNfI/s1600/Stolen.jpg" height="213" width="320" /></a></div>
<o:p></o:p><br />
<div class="body" style="background: white; line-height: 150%; margin: 0in 0in 0.0001pt; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="body" style="background-color: white; color: #3b3a39; font-family: Georgia, 'Times New Roman', Times, serif; font-size: 14px; line-height: 18px; outline: 0px;">
</div>
<div class="body" style="background: white; line-height: 150%; margin: 0in 0in 0.0001pt; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="body" style="background: white; line-height: 150%; margin: 0in 0in 0.0001pt; outline: 0px; text-align: justify;">
<span style="font-family: "Georgia","serif"; font-size: 10.5pt; line-height: 150%;">Source: <a href="http://www.thehindu.com/news/national/tamil-nadu/over-rs-4-lakh-worth-valuables-stolen/article6859331.ece?ref=tpnews" target="_blank">THE HINDU</a></span></div>
<span class="fullpost"></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-33881269976967006302015-01-31T19:00:00.001+05:302015-01-31T19:00:18.863+05:3010 Workers Killed in Wall Collapse at Industrial Plant in Tamil Nadu<div xmlns='http://www.w3.org/1999/xhtml'>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.<br/>
<br/>
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.<br/>
<br/>
Seven of the deceased victims are migrant labourers from West Bengal, says the police at the spot.<br/>
Story first published: Jan 31, 2015 07:51 IST</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-613618993364322876.post-12415646375444207892015-01-01T19:52:00.000+05:302015-05-07T19:55:44.712+05:30Fleshing Energy by Lian Chawii of Down To Earth<span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-style: italic;">Tanneries in Tamil Nadu now use the fleshings produced by them to generate electricity published on </span><span style="background-color: white; font-family: Arial, Helvetica, sans-serif; font-weight: bold;">Oct 31, 2001 | </span><a href="http://www.downtoearth.org.in/node/123/2001-10-31" style="background-color: white; color: #363636; font-family: Arial, Helvetica, sans-serif; font-weight: bold; text-decoration: none;">From the print edition</a> - <a href="http://www.downtoearth.org.in/node/17142" target="_blank">http://www.downtoearth.org.in/node/17142</a><br />
<div>
<span class="fullpost"></span><br />
<div>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; line-height: 22px; margin-top: 5px; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQMKj6hBeOC0i1o9lYUI6mrFpIl-BY0dxFhtFVcF3lEdbXGV7EuEI3KZS3c1OWad5Fe1_2l_kpHlfS8L2JYZn9U-hfX_Cs_xdzNfWLCWf8hUdolgHQ0wmtuN1gWRuqlH0gmo5gexN58YDh/s1600/biomethanation+plant.gif" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQMKj6hBeOC0i1o9lYUI6mrFpIl-BY0dxFhtFVcF3lEdbXGV7EuEI3KZS3c1OWad5Fe1_2l_kpHlfS8L2JYZn9U-hfX_Cs_xdzNfWLCWf8hUdolgHQ0wmtuN1gWRuqlH0gmo5gexN58YDh/s1600/biomethanation+plant.gif" /></a><span class="UCASE" style="text-transform: uppercase;">THE </span>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 (<span class="UCASE" style="text-transform: uppercase;">CETP</span>). 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.</div>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; line-height: 22px; margin-top: 5px; text-align: justify;">
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.</div>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; line-height: 22px; margin-top: 5px; text-align: justify;">
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, <b></b>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 (<span class="UCASE" style="text-transform: uppercase;">CLRI</span>) in Chennai.</div>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; line-height: 22px; margin-top: 5px; text-align: justify;">
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 <span class="UCASE" style="text-transform: uppercase;"></span>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.</div>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; line-height: 22px; margin-top: 5px; text-align: justify;">
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 <span class="UCASE" style="text-transform: uppercase;">CLRI</span> . 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.</div>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; line-height: 22px; margin-top: 5px; text-align: justify;">
The primary sludge from the <span class="UCASE" style="text-transform: uppercase;">CETP</span> , 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 <span class="UCASE" style="text-transform: uppercase;">CLRI</span> .</div>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; line-height: 22px; margin-top: 5px; text-align: justify;">
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 <span class="UCASE" style="text-transform: uppercase;">C. </span>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.</div>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; line-height: 22px; margin-top: 5px; text-align: justify;">
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 <span class="UCASE" style="text-transform: uppercase;">CETP</span> . According to Shanmugan, the <span class="UCASE" style="text-transform: uppercase;">CETP </span>consumes 7,500 kwh of energy per day.</div>
<div style="background-color: white; font-family: Arial, Helvetica, sans-serif; line-height: 22px; margin-top: 5px; text-align: justify;">
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.</div>
</div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-85533391188570494222014-12-29T19:01:00.000+05:302014-12-29T19:01:02.958+05:30SIM-swap fraud: Digitally Stealing Your Money <span class="fullpost"></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhh_kcCQ3EPSJU0kKfGg8ZbNgHRj5DyL-WawpVc-hoVJQFMGreQuHx5aMc4C3p6wGsqAxNpGyYZbwx9oUP5jKsHsc4dxWfSSW7gu1T4uy5zB7cSf-ARs_V4OEPF_y8O2V_ulKHKPdOSkQiQ/s1600/cell-Phonee-Sim-Swap.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em; text-align: center;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhh_kcCQ3EPSJU0kKfGg8ZbNgHRj5DyL-WawpVc-hoVJQFMGreQuHx5aMc4C3p6wGsqAxNpGyYZbwx9oUP5jKsHsc4dxWfSSW7gu1T4uy5zB7cSf-ARs_V4OEPF_y8O2V_ulKHKPdOSkQiQ/s1600/cell-Phonee-Sim-Swap.jpg" height="150" width="200" /></a></div>
<span style="background-color: white; font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%; text-align: justify;">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.</span><br />
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-rRyJCUx8bUOhy7E249nF0CMaOLSjDOITOGeKLtM6mnuXSbwqOYWPqtHqZqLh3yhqfVPbxBZJuucSthigPrgiNIwDSWXSmsItW0ZXWr8xo-a4qQLob_GxjSdTlcZRVDJ-8IlgyR9rg5Y3/s1600/Cell-Phone-Sim-Swap.jpg" imageanchor="1" style="clear: left; display: inline !important; float: left; line-height: 150%; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-rRyJCUx8bUOhy7E249nF0CMaOLSjDOITOGeKLtM6mnuXSbwqOYWPqtHqZqLh3yhqfVPbxBZJuucSthigPrgiNIwDSWXSmsItW0ZXWr8xo-a4qQLob_GxjSdTlcZRVDJ-8IlgyR9rg5Y3/s1600/Cell-Phone-Sim-Swap.jpg" height="150" width="200" /></a><div class="MsoNoSpacing" style="line-height: 150%; margin-top: 6pt; text-align: left;">
<span style="background: white; font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="line-height: 150%; margin-top: 6.0pt; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Be sure that your mobile phone always show network signals or connected
to network. Check whether or n<span style="background: white;">ot receiving calls
or text messages for unusually long periods.<o:p></o:p></span></span></div>
<div class="MsoNoSpacing" style="margin-top: 6pt; text-align: justify;">
<span style="font-family: Times New Roman, serif;"><span style="font-size: 12pt; line-height: 150%;">Do not switch-off your mobile phone if you are receiving numerous
calls, fraudsters may trick you</span></span><span style="background-attachment: initial; background-clip: initial; background-color: white; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;"><span style="font-family: Times New Roman, serif;"><span style="font-size: 12pt; line-height: 150%;"> to switch-off your
phone so that you do not notice any </span><span style="line-height: 24px;">fraudulent</span><span style="font-size: 12pt; line-height: 150%;"> transaction SMS etc or try to prevent you from noticing a tampered network connection to accessing your bank accounts.<o:p></o:p></span></span></span></div>
<div class="MsoNoSpacing" style="line-height: 150%; margin-top: 6.0pt; text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMK2t8RT2f-RW3CzMcwRLzLnNDOHWuRu4gj3PZJvDTp4CgZTKLllmhA5uydVPv9dzCtWeD3QTOjZwfF1SrTYBSF9Xt6vp7dh36cCLUrAvGrnfw7jvADliJWHEzSNBHyhSW0SQsVUU3h_13/s1600/CreditCard_Thief.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMK2t8RT2f-RW3CzMcwRLzLnNDOHWuRu4gj3PZJvDTp4CgZTKLllmhA5uydVPv9dzCtWeD3QTOjZwfF1SrTYBSF9Xt6vp7dh36cCLUrAvGrnfw7jvADliJWHEzSNBHyhSW0SQsVUU3h_13/s1600/CreditCard_Thief.jpg" height="150" width="200" /></a><span style="background: white; font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">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.<o:p></o:p></span></div>
<div class="MsoNoSpacing" style="line-height: 150%; margin-top: 6.0pt; text-align: justify;">
<span style="background: white; font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">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.</span></div>
</div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-613618993364322876.post-2309207235142108752014-12-09T20:25:00.001+05:302014-12-09T20:55:47.517+05:30One day Seminar on Tahaffuz-e-sunnat by Tanzeem-e-ulama, Melvisharam<div xmlns="http://www.w3.org/1999/xhtml">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiY0LjtWYFV_idUeNSGhzi72h813fDo324tFRLWeRd6oIadr56GW2LJa3Ny5_16Ed3XGnD0QcoTn4iLkX6yrwlI5JNi5vxn4TU6kWh9H7ROkl4IdX29EEbfvSBk5aQQ7aXOmIPgc2McDw5j/s1600/sunnat_seminar.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiY0LjtWYFV_idUeNSGhzi72h813fDo324tFRLWeRd6oIadr56GW2LJa3Ny5_16Ed3XGnD0QcoTn4iLkX6yrwlI5JNi5vxn4TU6kWh9H7ROkl4IdX29EEbfvSBk5aQQ7aXOmIPgc2McDw5j/s1600/sunnat_seminar.jpg" /></a></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 13.5pt;"><br /></span></div>
<div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 3.0pt; text-align: justify;">
<span style="font-size: 13.5pt; line-height: 150%;">Assalamu alaikum W/w all,<o:p></o:p></span></div>
<div class="separator" style="line-height: 150%; margin: 3pt 0in 6pt; text-align: justify;">
<span style="font-size: 13.5pt; line-height: 150%;"><b>Tanzeem-e-ulama, Melvisharam</b> has planned for a
one day seminar "On Tahaffuz-e-Sunnat" to be held insha-allah on
<b>Sunday 14, December 2014, between 9:00am -12pm at HM auditorium</b></span></div>
<div class="separator" style="line-height: 150%; margin: 3pt 0in 6pt; text-align: justify;">
<span style="font-size: 13.5pt; line-height: 150%; text-indent: -0.25in;">For all the students From
12th standards to PG and Ph.D., students, working Graduates,
working professionals and for all young Generations of Melvisharam.</span></div>
<div class="separator" style="line-height: 150%; margin: 3pt 0in 6pt; text-align: justify;">
<span style="font-size: 13.5pt; line-height: 150%; text-indent: -0.25in;">On the <b>Topics of
Tahaffuz-e-Sunnat-o-shariath </b>and <b>safeguard our eman and yaqeen</b>.</span></div>
<div class="separator" style="line-height: 150%; margin: 3pt 0in 6pt; text-align: justify;">
<span style="font-size: 13.5pt; line-height: 150%; text-indent: -0.25in;">To <b>protect ourselves</b> from
other <b>brain washers</b> regarding our religious aspects.</span></div>
<div style="line-height: 150%; margin: 3pt 0in 6pt;">
<span style="font-size: 13.5pt; line-height: 150%;">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.<u1:p></u1:p><o:p></o:p></span></div>
<div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 3.0pt; text-align: justify;">
<span style="font-size: 13.5pt; line-height: 150%;">Do inform yourself to invite your friends,
batch-mates juniors seniors schoolmates college-mates workmates, etc<u1:p></u1:p><o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
</div>
<div style="line-height: 150%; margin-bottom: 6.0pt; margin-left: 0in; margin-right: 0in; margin-top: 3.0pt; text-align: justify;">
<span style="font-size: 13.5pt; line-height: 150%;"><b>Organised by: Tanzeem-e-ulama, Melvisharam</b><o:p></o:p></span></div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-89507587668268542812014-11-24T18:00:00.005+05:302014-11-24T18:05:10.599+05:30Filing PF Withdrawal Claims Online Likely to be a Reality in December 2014<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7XXk-TUUDvF8fCruPCCG3fTBOBJTQSqUBYBiWRj0fR-vQcIQ-tF1SeRWpkhTCxXEQDrIwgfvGLS3skswjBlQTswhWNmdNch9nf81vd9WL8tEvB5Psf8z4frjBoGSA4r7_QP2Xarxsk4qG/s1600/provident_fund.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7XXk-TUUDvF8fCruPCCG3fTBOBJTQSqUBYBiWRj0fR-vQcIQ-tF1SeRWpkhTCxXEQDrIwgfvGLS3skswjBlQTswhWNmdNch9nf81vd9WL8tEvB5Psf8z4frjBoGSA4r7_QP2Xarxsk4qG/s1600/provident_fund.jpg" height="292" width="320" /></a></div>
<span style="font-family: Trebuchet MS, sans-serif;"><strong>New Delhi</strong>: 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.</span></div>
<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">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.</span></div>
<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">"EPFO has decided to provide the facility of online application for PF withdrawal claims. It will be launched by mid-December," a source said.</span></div>
<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">According to the source, all those subscribers whose PF and bank accounts are linked with Aadhaar number would be able to avail this facility.</span></div>
<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">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.</span></div>
<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">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.</span></div>
<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">He said, "EPFO would eventually settle all type of claims including PF withdrawal and transfer within three days of filing those applications."</span></div>
<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">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.</span></div>
<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">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.</span></div>
<div style="background-color: white; line-height: 20px; margin-bottom: 10px; text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">Source: <a href="http://profit.ndtv.com/news/your-money/article-filing-online-pf-withdrawal-claims-likely-to-be-a-reality-in-december-702148"><span style="color: black;">PROFIT.NDTV.COM</span></a></span></div>
<span class="fullpost"></span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-74758385054323766312014-10-28T12:39:00.000+05:302014-10-28T12:39:48.058+05:30Changes in Provident Fund Rules<div xmlns="http://www.w3.org/1999/xhtml">
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.<br />
<br />
In the past few months, radical changes have been introduced in these schemes. Let us have a look at them.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
The above 3 changes have come into effect from September 1, 2014<br />
<br />
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.<br />
<br />
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.<br />
<br />
<br />
Share it.</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-64845567578497338192014-10-26T08:34:00.001+05:302014-10-28T12:38:41.223+05:30Free Healthcare Assistance <div xmlns="http://www.w3.org/1999/xhtml">
<div style="text-align: justify;">
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</div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-613618993364322876.post-35816293097514796542014-10-19T13:54:00.001+05:302014-10-19T13:54:10.881+05:30Changes in Provident Fund Rules<div xmlns='http://www.w3.org/1999/xhtml'>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.<br/>
<br/>
In the past few months, radical changes have been introduced in these schemes. Let us have a look at them.<br/>
<br/>
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.<br/>
<br/>
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.<br/>
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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.<br/>
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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.<br/>
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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.<br/>
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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.<br/>
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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.<br/>
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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.<br/>
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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.<br/>
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The above 3 changes have come into effect from September 1, 2014<br/>
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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.<br/>
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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.<br/>
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