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Showing posts with label Yojana. Show all posts
Showing posts with label Yojana. Show all posts

Thursday, May 7, 2020

Who can open an account in Pradhan Mantri Jan-Dhan Yojana? Read and share the complete information of the document required to open this account

Who can open an account in Pradhan Mantri Jan-Dhan Yojana? Read and share the complete information of the document required to open this account.
1 Pradhan Mantri Jan - Dhan Yojana,

Purpose: To provide financial facilities such as debit card, banking service, deposit, money transaction - insurance, pension etc. to the people along with the bank account. Besides, Pradhan Mantri Jan-Dhan Yojana is a mission of national financial inclusion.

1 Eligibility: Anyone above 10 years of age can open a bank account under this scheme.

Benefits: The benefits associated with this scheme are as follows:

1) Interest on deposit
2) Accident insurance cover of one lakh rupees
2) No minimum balance is required, however, it is advisable to deposit a small amount to withdraw money with the help of Rupee card.
2) Rs. Life insurance cover of Rs.
2) Money can be easily transferred across India. Beneficiaries of government schemes will be credited directly to their account.
3) Satisfactory transaction in the account for 6 months - Overdraft facility after payment. Will be given.
2) Pension and insurance facility will be available
.Procedure: The following documents are required for opening an account in Pradhan Mantri Jan-Dhan Yojana.

1) If you have Aadhaar card, then no other document is required.

2) If the address has changed, then a certificate of the existing address is required. If you do not have an Aadhaar card, any one of the following government documents is required.

A) Voter ID driving license

A) PAN card d) Passport e) NREGA card

Note: If these documents contain the applicant's address, this will serve as proof of identity as well as address. 2) If any person does not have the above mentioned document, he can open an account with any document issued by the bank for the low risk category by the gazetted officer in which the photo of the person is also certified. 1 implementation

Institutions: The scheme will be implemented through branches of nationalized and public sector banks, branches of co-operative banks, bank friends, business representatives etc.
click here to read in gujarati
Teachers are great sources of knowledge, prosperity and enlightenment to which anyone can be benefited for whole life. They serve as the real light in everyone’s life as they help students to make their ways in the life. They are the God gifted people in everyone’s life who lead us towards success without any selfishness. Really, we can call them as builders of the dazzling future of our nation through education.

Teacher plays very essential role in the field of education who teaches students very nicely to be a person of good moral and behaviour. They make students academically superb and always encourage to do better in the life. They equip students with lots of knowledge, skills and positive attitudes so that students can never feel lost and go ahead. They help students to get sure about their goals of education through clear vision and ideas. Without teachers in the life one cannot grow mentally, socially and intellectually.
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Wednesday, May 6, 2020

How To Check Pradhan Mantri Awas Yojana 2020. HOUSING FOR ALL : SUBSIDY ON LOAN INTEREST FULL DETAIL

How To Check Pradhan Mantri Awas Yojana 2020. HOUSING FOR ALL : SUBSIDY ON LOAN INTEREST FULL DETAIL

Gujarat Government Yojana

There is a very good news for the home seekers, central Government has announced even more subsidy in home loan interest rates under Pradhan Mantri Awas Yojana. Prime Minister Narendra Modi announced the interest subsidy on housing loans taken under Pradhan Mantri Awas Yojana during his speech to the nation on 31st December 2016.



The amount of home loan under the scheme has been increased by double to 12 Lakh and the interest subsidy would now be up to 4%. Below is the interest subsidy comparison of earlier PMAY scheme and revised scheme.



PMAY Home Loans Interest Rates/Subsidy for 2017

Subsidies Explained Earlier Scheme (2015) – CLSS for EWS/LIG
Revised Scheme (2017) – CLSS for MIG

Loan Amount
  • Up to Rs. 6 Lakh 
  • Up to Rs. 9 Lakh 
  • Up to Rs. 12 Lakh
Eligibility Criteria
  • EWS (Annual income of Up to Rs. 3 Lakh) and LIG (Income of up to Rs. 6 Lakh per annum). Women to be the co-owner along with the beneficiary. 
  • MIG 1 – Up to Rs. 12 Lakh per annum 
  • MIG 2 – Up to Rs. 18 Lakh per annum
Subsidy Calculation for a loan tenure of up to 15 years
  • 6.5%
  • 4%
  • 3%
Subsidy Amount
  • Rs. 2.2 Lakh for a loan of 6 lakh 
  • Rs. 2.35 Lakh for a loan of Rs 9 Lakh 
  • Rs. 2.3 Lakh for a loan of Rs. 12 Lakh
Interest Rates and Subsidy
  • Interest Rate
  • 10.5%
  • 8.5%
Loan Amount Rs. 12 Lakh
  • Rs. 9 Lakh or More
  • Rs. 12 Lakh or More
Amount Eligible for Subsidy Rs. 6 Lakh
  • Rs. 9 Lakh
  • Rs. 12 Lakh
Subsidy Rate 6.5%
  • 4%
  • 3%
Subsidy Amount 2.2 Lakh
  • 2.35 Lakh
  • 2.3 Lakh
The increased loan amount under the PM Awas Yojana will significantly reduce the monthly installments. The central government instead of 6.5% subsidy on loans up to Rs. 6 Lakh, now providing 4% subsidy on loans up to Rs. 9 Lakh and 3% for home loans up to Rs. 12 Lakh. The loans under PMAY can be availed for a maximum tenure of 20 years (earlier 15). The government has also introduced two new middle income group categories under the scheme.

At present, the home loans are available from banks and non banking financing companies at interest rates of about 9%. After the interest subvention of 4%, the effective interest rate would fall to 5% which will result in significant reduction in EMI’s.

PMAY Home Loan Interest Rate CalculationFor example, if an individual takes loan of Rs 9 lakh for a 15 years, 4% lower interest rate would save him Rs. 2,011 in EMI every month as his EMI will come down from Rs 9,128 to Rs 7,117. Similarly, on a loan of Rs 12 lakh will save Rs 2,044 in EMI on account of the 3 per cent lower interest rate.


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APL 1 Card Holders Will Also Be Given Free Grains In The Month Of May

APL 1 Card Holders Will Also Be Given Free Grains In The Month Of May


Teachers have the very important responsibility of shaping the lives of young, impressionable children. With this responsibility comes great pride and joy. Therefore all teachers should strive for what can be considered to be a "good teacher." A good teacher can be defined as someone who always pushes students to want to do their best while at the same time trying to make learning interesting as well as creative. A positive or negative influence from a teacher early on in life can have a great effect on the life of a child. Teachers, especially at the elementary level, must be very creative with their teaching styles. Not every child learns the same way, nor are they interested in the same things. It is difficult to keep the attention of 15-20 children under the age of ten. Classroom setup and design is a good way to get and keep the attention of students. Workstations are a good way to encourage different types of learning. By allowing children a chance to choose which activities they want to participate in, children are taking control of their own education. At the elementary level, children are always learning and sometimes don't even know it. When I was in kindergarten, I can remember playing at the different stations in the classroom. One station was for gardening and we could plant seeds and check them every day to see how much they had grown. Another station in that classroom that sticks out in my mind is the arts and crafts station. There was a large array of crayons, markers, scissors, construction paper and building materials we could use to make pretty decorations to give to our parents for our homes. By choosing which station we wanted to work at, we were becoming much more interested in what we were learning because we were doing what we wanted to do, not what we had to do. By setting high standards for a student, the teacher is encouraging the student to do the same and will eventually...
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  3. ➤ If your device is not rooted, the app will perform a "limited" scan for your deleted photos by searching your cache and thumbnails.
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  5. ➤ After the scan is complete, tap the "Clean up" button to permanently delete any items that you no longer need (currently an experimental feature, available only in the Basic Scan).
  6. ➤ You can also use the "Wipe free space" option to erase the remaining free space on your device, so that any deleted files can no longer be recoverable.
For complete instructions, please see http://diskdigger.org/android
If you need to recover more types of files besides photos and videos, try DiskDigger Pro!
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