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Thursday, September 30, 2021

How to know my phone has virus, How to Remove It?

 How to know my phone has virus, How to Remove It?

 
How to know my phone has virus, How to Remove It?

Many people have the impression that cyber security has always been a problem that countries have had a hard time with. However, the truth is, however hard it is to control online, none of it has ever been as effective and super complex as the most recent phishing attacks that attempt to spread and even penetrate into our smartphones.

The threat of online crimes on the internet today has been growing exponentially as more people turn to the internet for a more purposeful way of life. This means that the chances of possible online crime only becomes more likely.

Our phones are simply a little part of any cyber attack scheme that is being concocted by a human with a little bit of disposable income. Today, almost everyone owns a smartphone, and its security requirements don’t change too much, as the “offspring” of a mature and multi-function device carrying multiple ecosystems and themes of itself won’t allow any attack to completely hide.

Because of the convenience that phones offer us, many people tend to assume that their phones are safe. Consumers tend to look after their phones very carefree and easy to set passwords and bypass systems. Consumers tend to get so comfortable with their phones that they either take for granted, how insecure they are, and don’t take security even more seriously than it is.

People tend to lose the sense of security when they have their phones out and about. If your phone gets stolen, a phishing attack or malware scheme will infiltrate and manipulate the phone even when you already know your phone’s security details.

At the very least, you need to prevent your phone from being misused.

Here are some common cyberattacks on phones, which help explain how they operate.

SPAM


Malicious clickers target emails, sharing hyperlinks to not merely have victims engage with them, but to also access information via the links in the email. These attackers then demand you continue to engage with them, sharing that information back with the remote attackers.

PULL YOUR BIOMETRIC

Another common method of attack against you is through the attack your phone may bring to your consciousness. If you’re watching a video or short a web page, a phishing campaign will essentially have you feed your phone a link of a malicious video or webpage, while the data you’re providing to the malicious attackers will be sent by the link back to your phone.

BATTERY-FREE

The Google and Apple operating systems of your phone aren’t tied into a chip. You don’t have to worry about your phone breaking because of some attack, which is much the case with rooting malware.

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Eligibility and procedure of lpg gas subsidy in india

 Eligibility and procedure of lpg gas subsidy in india

Eligibility and procedure of lpg gas subsidy in india


Introduction

LPG gas subsidy is one of the most debated topical topics in India. Extensive credit should be provided for importing LPG and LPG brands in India, and thus it is necessary to ensure there is uniform standardisation in terms of quality, quantity, and quantity as well as fair pricing.

The government of India has put some measures in place, which makes the import of LPG gas as profitable as possible. The LPG subsidy has been implemented since 2005 and presents a lucrative margin for international players.

The first step towards establishing how and when LPG price in India might rise is through the LPG rate of subsidy calculation. In 2021, in order to prevent the LPG price from rising, the LPG rate of subsidy has been adjusted, giving LPG brands an incentive to boost exports.

The first step is for the LPG rate of subsidy calculation to be completed via the Agency Developmental Record (ADR) system of India.

Once exports are started, a marketing methodology is developed to ensure timely and effective prices are made clear. This method usually involves both regular disbursement of funds and mobilisation of alternative channels of the same. In 2016, the number of LPG cylinders supplied to local agencies increased substantially.

Several agencies have been assisting lakhs of households across the country, and thus supply is not difficult. On the contrary, promoting LPG fuel through efficient means is difficult to do because of simple supply chains and poor credit mechanism, as well as repeated deficiencies and such capacity in finances.

The beginning of this problem started in 2013 with availability being the greatest source of LPG fuel due to poor credit systems and traditional distillation techniques.

Some agencies that don’t produce LPG fuel but offer it on a freehold basis, are contract manufacturers. These units receive raw materials from the LPG manufacturing units through brokers, who in turn handle the credit of the dealers. It is alleged that the final cost is an inflated commodity.

Ideally, state-run agencies should come up with a mechanism to ensure that the LPG price is increased, and then distribute the cost appropriately to retailers.

As a result, LPG retailers are left to recover their cost, but they may not be in a position to make ends meet due to contract manufacturers offering lower prices than what they are selling actual LPG units for.

However, they have given us an idea on how these agencies can coordinate with their retailers to ensure faster business venture.

Eligibility

The First Generation LPG Oil and Gas Corporation (GNG CIL) criteria requires the domestic LPG importers to prove the need of the subsidy scheme, and prove they have brought LPG supplies from an LPG manufacturing unit to provide to the Domestic LPG Gas Retailers as on date, which has helped in establishing the eligibility of the LPG subsidy regime.

All our domestic LPG cylinder shops are required to make “obligation provisions” within a period of time. They should be requesting for the subsidy of at least thirty-five percent of the total earnings, which is up to Rs 6 lakh/fuel. One way of doing this is by giving the dealer a cut of their profits as per item or the arrangement agreement.

Last but not least, to submit an allocation request for LPG fuel should be submitted in to their system, and the rebate amount should be revised.

Ethical Considerations

The only disadvantage is the rise in lack of corporate vision and consolidation due to poor credit techniques, which are major factors for LPG dealers to see profits in their business, and the incentives, which give them incentives to have increased production facilities.

The Export Promotion Policy (EPP) on LPG should not only facilitate the increment of volume of LPG but enhance efficient credit lending and legitimate purchase policy.

A technical practitioner, who understands the LPG industry needs to get the best research and development done on the prices and logistics of LPG, and anything that can be done in a way that both the government and retailers need to have the best result (satisfy consumers, meet demand, and reduce cost) is an effective strategy.

Conclusion


LPG fuel is one of the most extensively consumed resources in India. The LPG rate of subsidy has become a lucrative opportunity for the LPG players, but yet, no policy has yet been drafted to provide efficient pricing.

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Top 10 best dating apps India 2021

Top 10 best dating apps India 2021

 
Top 10 best dating apps India 2021

The Indian market is a major target market for a dating app. A lot of apps have been brought into this country to help individuals make the right decision. It has not always been easy though to get to know about various dating platforms and apps available in the country. Finding a convenient way to find trustworthy dating app which best suits your needs is a challenging task. This article seeks to help you find some of the best dating apps out there.


Shreyao

This app is not your run of the mill dating app. All you have to do is download this app and follow the guides provided by the creators. This is a data-driven, bio-centric, personalized way to search for your ideal match. Best of all, you get your results almost instantaneously.

Airtru

Airtru is one of the best dating apps in India due to its content offering. This simple yet striking app allows you to request a questionnaire, fill up an identity question, and sign up with a member profile. Once you have made a great impression, you have to find a match. Good luck!

Swappoole

Shreyao is not the only dating app available in the country. Swappoole, on the other hand, not only lets you browse for your potential match, but also chat with them. Also, by adding a date and party, you can book those into your phone or email.

FaceNYC

The folks behind faceNYC are extremely thoughtful when it comes to optimizing the matchmaking process. This dating app allows you to collect detailed profile information including your height, weight, weight and gender. This handy back and forth interaction will help you get to know your match a bit better.

HeMeansJoint

HeMeansJoint allows you to tell the world more about yourself as a person. It is one of the first dating apps that make it easy to know more about people on the backend, and now you can do this with less hassle.

KakaoMatch

You are all too familiar with KakaoCast. It is a money app where you have a mobile phone number, but a Facebook account. You will receive unsolicited messages from people. This is a little scary but hey, as they say, "unwanted attention is good." It is heartwarming to know you can finally monitor who is reaching out to you. Simply add a date, which will get delivered immediately.

Hike

Hike is a great online dating app. You can go online to find the right person for you. You can also browse for the right date. Make sure you join a group. After joining your groups, simply add dates to your phones. When you find your perfect match, you can either date them or withdraw your offer.

Predict

We have not yet seen the social meetup app which will totally transform the communication culture in your organization. Try Predict first. It is the trending girls! Find out who the most popular girl in a group of women would be willing to get along with you. Make a formal introduction for the girls you find compatible. It is time-consuming but worth it. Get more women online and the party will go much stronger.

Zikr

Zikr is one of the most common Indian dating apps. Most people know about this app but maybe you never installed it? It’s a hassle-free and secure way to find a match.

Singles

Say hi to singles!! All these dating apps will save you the hassle of hiding behind an app that's competing against multiple search options. However, if you are not using one, then you have to give it a try. This is an app to make the best impression of you for your perfect match.

Jilntra

You can surely find your perfect match using this app. Its Facebook user interface allows you to interact directly with your potential match. It could take some time to find the person to help you express your true self. It is the most user-friendly dating app, without the pain and negative effects.

MyPalette

This is a free to download dating app in India. Your profile features will look a little different, but the start of conversations will be right away. Find the person you want to grow old with and start being the perfect couple!

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How to download youtube videos without any app?

 How to download youtube videos without any app?

How to download youtube videos without any app?

This step should download the video!

After the free window pops up, the video, which was downloaded, should appear. You can play the video and you will notice that there’s a link on the right side of the page that you can click.

This link will take you to the same YouTube page where you just downloaded the video.

Right now, what you need to know about the process is:

  • For your free session, you can choose which link you want to click.
  • For your paid session, you can take different routes, and once you see the “paid” link, you can click on it to add it to your account (if you don’t have one yet, you can add it here).
  • You can also use the “members” link when you are adding the charge to your subscription (if you don’t have it yet, you can add it here).
  • You can also download the video later if you decide to watch it more than once.
  • YouTube is a big site with a lot of videos, and this is a free platform where you can share your videos.
  • For people that use the paid version of the platform, you can access youtube quality video and your clips can appear on your account.
  • The most basic package is $3 a month for the Premium membership.


Check out the links below for the most recent version of YouTube:

  • If you’re already on YouTube, you are able to add any video or clip from the page to your premium account.After viewing the video, you will notice that you can add it to your paid account as well.
  • You can also use the direct link below to change the audio or subtitle (if it isn’t on the channel you're watching) to your preferred quality.
  • YouTube has quite a lot of tools to help you optimize your profile.
  • I consider myself a super amateur, so I started using the Get Started tool on my account, but it is actually pretty handy. This app gives you up to 2 videos, an idea of the system, tutorials on creating personalized playlists, and so many more things, too.
  • You can also easily edit your profile from the Create a Quick Account settings.
  • There are several different ways to listen to YouTube videos.
  • If you listen to the YouTube channel that you are viewing, you can simply switch your YouTube connection to this one. To listen to the videos directly via your YouTube account, you can quickly alter your settings to listen to a channel. At each click of the 'Watch' button, you'll see a bar drop into an extra tab with the name 'Choose Channels'


The homepage of our YouTube account will have a special bar called 'Trending.'

  • You can also search for a specific video. A link will appear below your video. Once you click on it, you'll be given a list of the 7,000 most popular videos in your Youtube channel (and the channel you can view the video from).
  • You can also leave a comment or reply to one of the videos while your account is open. A link will appear below your profile and you can start commenting and reply!
  • If you want to ask someone a question about a specific video, you'll find a link inside the text box that will take you to the additonal video link. This can also take you to a different video section, so if you're looking to view videos of the same topic, you can swipe up on the video you added. The same will happen on other videos.
  • Last but definitely not least, they'll give you a link to other YouTube pages!
  • If you want to let anyone know what you’re watching, just press 'share'.
  • Don't forget to add a title that matches the video to your privacy settings as this will be shown in your details. This will provide you with the option to list your YouTube channel in your personal public profile.
  • Your privacy settings can be your gateways to new material and features on YouTube. You may be surprised at what you find there!
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Top 10 Banks With Highest Savings Account Interest Rate in India 2021

Top 10 Banks With Highest Savings Account Interest Rate in India 2021


Top 10 Banks With Highest Savings Account Interest Rate in India 2021

Savings Account is the most preferable financial facility or instrument because of its functionality and also its longer-term benefits compared to all other financial facilities. A savings account ensures that people get the maximum benefit out of interest earned. Savings Account can be opened and operated using a joint bank account. A joint bank account enables a person to open an account in his or her name with other bank in a joint account. The interest earned from each day of the week is pooled together as a single amount and invested in the other bank account. Hence, it is said that savings account is a decent instrument of savings. However, all banks have savings accounts which are of varying fees. Thus, it is a matter of deciding which bank have the best rate of interest on savings accounts of any other banks.

In this article, we will highlight and share the top banks with the highest savings account interest rate of 2021. According to CIBIL, the average annual savings rate in India is currently 8.25% and it is the best among other locations of Australia, China, and Taiwan. This means that most banks, in Indian market, offer a rate higher than 8.25%. This is why this list of the best savings accounts with highest savings interest rate in India in 2021 is an apt place to start. Follow this easy guide to get a higher interest rate on your savings accounts.


1. Champion Bank

Known for its outstanding products and services, Champion Bank has been in the financial industry for quite long now. Champion Bank has a total of 80 branches across 10 cities in India. Champion Bank gives customers a good experience of products and services. It gives the value of products by assessing a personal’s creditworthiness. Therefore, customers are assured that they are coming in a secure environment of excellent product, service, and diligence. Champion Bank has great opportunities to achieve its objective of excellence and success in the future. Hence, customers are faced with a slew of attractive and good schemes like higher credit card interest for customers with a 2-time minimum saving of 1500 and one and a half times credit card interest for customers who save 1000 a year. As a result, Champion Bank is also famous for its outstanding credit card scheme.

Moreover, Champion Bank gives a high savings interest of 9.25% which is the highest among all bank’s. Some of the outstanding features of Champion Bank include:

Minimum Saving Scheme 0.75%

Monthly Inclusive 2-Note Credit Card Revolving Reward Scheme 0.75%

0.75% Advanced Credit Card Inclusive Credit Card Revolving Reward Scheme 0.75%

Extended Credit Card Inclusive Credit Card Revolving Reward Scheme 0.75%

Introductory Scheme 0.75%

Good AI Billing Total Reimbursement 0.25%

No Late Charges 0.25%

Charges Axiom 0.75%

Affirm 0.75%

0.25% Financial Inclusion Credit 0.75%

Total A$$=0.75%

Great Pay 0.75%

100% Order Processing 0.75%

Total Inclusive 0.75%

Better Inclusive0.75%

Additional 0.25%

Service 0.75%

Bank-No.0.0

Aditya Birla Yashwantrao Baghel Bank 0.75%

Shekhar Bank 0.75%

845 Banking Centers

1-in-1 Credit Card

0.75% interest on opening money in most banks

Top 10 Banks With Highest Savings Account Interest Rate in India 2021


SBI

This big bank in the country has the best interest rate. It has quite a number of branches and offices across India and it has conveniently equipped its branches and offices with the basic features such as customer service. Thus, the interest rate of SBI is 10%. Apart from the bank’s low interest rate on savings accounts, the bank also offers a 10 % promotion on HDFC Bank’s Hybrid Saving Account.

2. HDFC Bank

Due to its reasonable interest rate of 10 % on savings account, HDFC Bank is very popular among the customers. HDFC Bank offers high savings interest of 9.5%

3. ICICI Bank

Thanks to its good banking experience and decades-long service in the banking industry, ICICI Bank has an excellent rate of 9.5 % interest on Savings Account. With the high interest rate, the bank has become a popular local favorite.

4. Kotak Mahindra Bank

Unlike the two others in this list, Kotak Mahindra Bank offers a decent interest rate on Savings Account. The rate is 10 %. Kotak Mahindra Bank has also made its online application


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General Knowledge For Competitive Exam Preparation : List Of all country's Capitals, Currency and Language

 General Knowledge For Competitive Exam Preparation : List Of all country's Capitals, Currency and Language

General Knowledge For Competitive Exam Preparation : List Of all country's Capitals, Currency and Language

For the preparation of international competitive exams in marketing, it is necessary to have some basic information about the country involved as well as the exchange rate of two nations to have a better understanding of what that country’s currency is as well as its unique features. If you are searching for required knowledge and do not have it at your disposal, this useful handy list is the best way to find and find out about all country’s capitals and currency. Know how to translate the info into the goal language.


Fascinating place list:

1. History of USA

% of population coming from source country

% of the population coming from ex-source country

% of immigrants

% of citizens born in states

34.8% of population older than 65

2. History of Canada

% of population from source country

% of the population older than 65

20.5% of immigrants

5. History of Germany

% of population from source country

% of the population younger than 15

30.5% of immigrants

4. History of the United Kingdom

% of population from source country

% of the population younger than 15

30.5% of immigrants

5. History of Japan

% of population from source country

% of the population younger than 15

30.5% of immigrants

6. History of Australia

% of population from source country

% of the population from ex-source country

% of immigrants

7. History of Japan

% of population from source country

% of the population younger than 15

17.5% of immigrants

8. History of Canada

% of population from source country

% of the population younger than 15

15.5% of immigrants

9. History of India

% of population from source country

% of the population younger than 15

9.5% of immigrants

10. History of Japan

% of population from source country

% of the population younger than 15

10.% of immigrants

List of Currency

General Knowledge For Competitive Exam Preparation : List Of all country's Capitals, Currency and Language


Base

Current= 0.973333475

Base=0.9622348800

Base=0.9632349850

Based on the past figures, .962 leaves the state

China’s currency

Base=6.1409575583

China’s currency ranges from 1.0023181865664

United Kingdom’s currency

Base=6.1409579583

United Kingdom’s currency ranges from 1.0018517552124

US’s currency

Base=6.14051149501128

US’s currency ranges from 1.00192224877563

Germany’s currency

Base=6.056748900465

Germany’s currency ranges from 1.00244235311495

Japan’s currency

Base=6.056985064669

Japan’s currency ranges from 1.0068624939220

Spain’s currency

Base=6.0553225564875

Spain’s currency ranges from 1.005113671531

Italy’s currency

Base=6.053752313702

Italy’s currency ranges from 1.0041765260795

Conclusion

The net result is that the global population of 2021 is expected to increase .94%. Therefore in the course of the coming few years, the population of the US is expected to rise. This is, in turn, expected to have some impact on the population of Canada. On the other hand, the population of other countries such as Japan, India, China, and Australia is expected to increase.



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What is mortgage loan? how to get it from an indian bank?

 What is mortgage loan? how to get it from an indian bank?

What is mortgage loan? how to get it from an indian bank?


WhatsApp is one of the well known and widely used platform in India today. It has penetrated into almost all sectors of life and business. The people across the world use this tool to stay in touch with their loved ones, friends, work colleagues and help customers in all spheres of life.

WhatsApp offers free communication through this instant messenger platform. There are three different subscription plans that are available on WhatsApp; Premium, Business and Business Premium. WhatsApp has a large number of users, where lots of people use it on daily basis. However, they don’t realize that it is quite expensive and then they have the problem of loss of their jobs.

You might ask about whether you should get an expensive mortgage loan or not? As per the prevailing scenario, you can get an extremely expensive mortgage loan from Indian bank at an ever-increasing rate. Also, these are the questions which your professionals always ask. If your banker asks you whether you have to pay an affordable rate, you should act swiftly and think whether you need a mortgage loan in good time. You should take your time while evaluating the benefits of taking a mortgage loan. Before getting a mortgage loan, you must assess the situation first. Here are the possible benefits of getting a mortgage loan:

High Degree of Salary

You are dependent on your income to meet your basic monthly needs. The reduction in interest rates on a mortgage allows you to pay much lesser amount when you are taking a mortgage loan. Considering interest rates are highly high as compared to other affordable banking products, which usually cost relatively affordable rates. This type of loan is having lower interest rates when compared to a consumer loan. Therefore, this means that you will pay less money after taking the mortgage loan.

Home Remodel

If you are planning to invest more funds in a fixed-income product, you will receive higher interest when you take a mortgage loan. This statement was proved when the interest rates for housing loans are rising at a steady rate. If you are making a significant amount of home improvement then you should not get a loan on the basis of the monthly salary. This will get your savings back sooner.

Loan Control


What is mortgage loan? how to get it from an indian bank?


As soon as you take a mortgage loan on the basis of monthly salary, you have to pay the mortgage loan within a specified time. If you take the loan at early stage of repayment, your interest rate will be increased by a huge amount. In this case, you must ask your lender to reduce the interest rate. If you take a mortgage loan by providing your employer the tenure number directly, then you must avoid carrying the home loan debt on the basis of your monthly salary.

You can also reduce your monthly loan by buying property on the basis of variable rate. This guarantee by your lender to get your account fixed. Taking this in light, borrowers who don’t have enough amount of savings should avoid taking an interest rate higher than the criteria, which is 4% per annum. The negative effects are that you won’t have funds to take a product that is termed as most affordable.

Conclusion

Mortgage loans are quite important for any industry or company because it plays a vital role in financing them. Generally, lenders use the idea of deposit interest in raising the loan amount. The interest rate is the percentage you pay in case you have to return the investment. Hence, lenders opt for making a specified rate mortgage loans.

You can easily get an excellent mortgage rate when taking a loan from an Indian bank. Therefore, you should make use of the available tools to evaluate the rates. After getting in touch with lenders of any lender in the country, consider taking the loan, as their interest rates will give you the desired return. Also, invest in a good rate of interest to increase your savings.

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How to know per unit rate of electricity in all states of india?

How to know per unit rate of electricity in all states of india?

If you are paying more than what you paid for the last year for electricity then it's time to find out the cost of the project and the electricity per unit rate. All you will have to do is study the general rate in each city and find out the per unit rate per unit in different cities. You must also study the peak day and off-peak rate.

Month’s amount of electricity to be used varies from region to region

How to know per unit rate of electricity in all states of india?

It is not always the same thing. In some areas, the electricity costs will vary. This is because of the difference in the income of people. The work load may also vary in some cities. For example, the work load may be more in some people than in others. The rate of electricity consumed depends upon the local usage needs of the house.

How to come up with your own tariff bill?

There are a lot of information you can get online. We have received many e-mails. You can find online knowledge by comparing the rates according to the other cities. If you keep doing this on a regular basis you will come up with your own bills.

Month’s volume of power generated

It depends upon the percentage generation of the energy. The source of electricity will also be varied. There are two sources of electricity which are considered as a best source of energy: Renewable energy and Nuclear energy. With regards to the generation of electricity, it is necessary to compare the quantity of energy generated through Natural gas to the quantity of energy generated through Nuclear energy.

The source of the generated electricity is also stated

Using the generation of electricity as a base source, it is possible to set the other sources of energy like Wind energy, Coal-fired power plants etc.

These sources of energy have a certain amount of variables as they are all used differently. On a research of the rate of electricity the parameters of the generated electricity are selected. The renewable energy will have more of variable parameters. The electricity produced by Nuclear energy is carbon free and as you know its contribution towards the environment, it has high variable parameters.

The electricity consumed by these sources of energy is varied as well as dependent upon the hours of the day and the time of the night. Therefore, the raw materials are sourced, the plants constructed, and the processes are applied to get the desired outcome. The result is an energy product.

You will have to cross-reference the generation by country, the distribution from city to city, it will help in giving you an accurate and conclusive data.

You must find the current generation of power by country and the distribution from city to city as well.

You will have to look into the peak day and the off-peak price to get the utility bills.

Please follow these steps:

  • Taking stock of the requirements
  • Look into the system in such a way that the most important results are in the basement. This will help you to come up with the best plan.

Two various types of electricity

  • You have to decide the sources of energy and energy source which is most suitable for us.
  • Calculate the electricity quantity
  • After calculating the electricity quantity, the difference in the energy collected from each unit of electricity generation will be used to calculate the total quantity of power.
  • Calculate the percentage of the electricity produced
  • Finally calculate the energy produced
  • Therefore the person has to take into consideration all the factors of production and consumption of the electricity
  • The three good days for generating electricity
  • Take the advantage of the best days for generating electricity.
  • Your energy consumption will be charged at some time during the day
  • Eighty percent of the raw materials are in the ground by day 30
  • Take the advantage of the best days for generating electricity.
  • Your electricity consumption will be charged at some time during the day
  • Some days of the year have less production
  • Take the advantage of the best days for generating electricity.


We can try to help you save energy by applying the above procedures, as I would like to inform about how to save energy and improve your savings. On this information the society and the industry will always benefit from us as we always inspire, educate and inform people about energy efficiency.

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Damini : Ministry of Earth Sciences of the govt of India has created a special quite app

Damini : Ministry of Earth Sciences of the govt of India has created a special quite app

Damini : Ministry of Earth Sciences of the govt of India has created a special quite app

Damini : Ministry of Earth Sciences of the govt of India has created a special quite app. With the assistance of this app, we’ll get a warning before 30 to 40 minutes of lightning. The name of this app is Damini, which can warn us before a lightning strikes also as gives information about prevention from it.

ક્યાં કેટલો વરસાદ પડી શકે તે જોવા માટે અહિયાં ક્લિક કરો.

વરસાદના ન્યુઝ વાંચવા અહીં ક્લિક કરો

Damini : Lightning Alert Application

The apps is monitoring all lightning activity which are happening in specifically for all india.
and alert you if lightning is happening near you by GPS notification. under 20KM and 40KM.

Details description of instruction, precautions is provided in apps while in lightning prone area. Does and Don’t for in specific situation is strictly followed when lightning happen near you for your safety purpose.

Also Check : Best Free App Lock for Android to Try in 2021

You can download Damini app for free of charge from Google Play Store. This app has been given a rating of 4.7 on PlayStore also as quite 10 thousand people have downloaded it thus far . during this app, you’ll enter the name of your location and obtain information about things there. If there’s an opportunity of lightning there, then this app will offer you information in English and Hindi language beforehand . consistent with the report, this app will soon be updated in other regional languages also . There are 4 options given below this app, out of which you’ll get information on the way to protect it from lightning and also to urge first medical treatment.


Download Damini : Lightning Alert App

Damini Lightning applications is created by IITM-Pune and ESSO.

The applications is checking all lightning action which are going on in explicitly for all india.

furthermore, alert you in case lightning is going on close to you by GPS notice. under 20KM and 40KM.

Subtleties depiction of guidance, precautionary measures is given in applications while in lightning inclined region. Does and Don't for in explicit circumstance is totally followed when lightning occur close to you for your security reason.

Also Check : Free Resume builder app will help you to create CVfor job application in few minutes.

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Integral Coach Factory (ICF) Recruitment for 792 Apprentice Posts 2021

 Integral Coach Factory (ICF) Recruitment for 792 Apprentice Posts 2021

Integral Coach Factory (ICF) Recruitment for 792 Apprentice Posts 2021

ICF Total Posts :- 792 Posts

ICF Posts Name :- Apprentice Posts

ICF Stipend :- Rs. 6000/ Rs. 7000

ICF Posts Category :-


Freshers : 208 Posts
Ex – ITI :584 Posts

ICF Important Links :-

ICF Educational Qualification :-

Applicants should have passed Class 10 th / Class 12 th from recognized board.
Please read official notification for more qualification.

ICF Selection Procedure :-

Selection will be based on merit list.

 Also Check : Gujarat Police Job Recruitment for 333 PSI & Technical Operator Posts 2021

ICF Age Criteria :-

15 to 24 years

ICF Important Date :

Notification Date : 27/09/2021
Last Date :26/10/2021

ICF Application Fees Details :-


  • Fee is Rs. 100
  • No fee for SC/ ST/ PwBD/ Women candidates.
  • Payment Mode: Online

Integral Coach Factory (ICF) Recruitment for 792 Apprentice Posts 2021

ICF Applying Procedure :-

Eligible and interested candidates may apply online through official website.

Official notification : Download Now

Apply online registration link : Click Here

Also Check : Constable Bharti 2021/22 01-10-2021થી ફોર્મ ભરવાનું ચાલું.

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Wednesday, September 29, 2021

Gujarat Police Job Recruitment for 333 PSI & Technical Operator Posts 2021

 Gujarat Police Job Recruitment for 333 PSI & Technical Operator Posts 2021

 
Gujarat Police Job Recruitment for 333 PSI & Technical Operator Posts 2021

 

Total Posts: 333 Posts

Posts Name:
• Police Sub Inspector (Wireless) (TRB/202122/1): 62 Posts
• Technical Operator (TRB/202122/2): 236 Posts
• Police Sub Inspector (M.T.) (TRB/202122/3): 35 Posts

Gujarat Police Recruitment 2021: According to information from LRD and SRP sources, around 11 thousand candidates will be recruited. For this, a special panel was formed. Apply online before October 21.

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Gujarat Police Department has formed board for LRD Bharti 2021. This board is formed for Class 3 Police. There are 4 IPS on LRD board. The Board of Directors will be chaired by IPS Hasmukh Patel. Four Undersecretaries of the Ministry of Interior were also included with the Prisons Authority in this meeting. You must apply online for the recruitment exam for admission from October 1 to October 21. They will be recruited armed and unarmed into the LRD and SRP.

Also Check : Talati Exam Syllabus 2021 in Details

Hi friends!! Here we are sharing all the information about OJAS Gujarat Police Bharti 2021 Notification, Qualifications, Maximum Age, Selection Process, Application Fee, Salary, Important Dates, etc. Gujarat Police Department will publish a job notice to fill various Category 3 positions through Direct Recruitment. According to the sources, about 11,000 candidates will be appointed to the LRD and SRP. A special board was formed for this. Young people wishing to join the police must apply before October 21.

Educational Qualification, Age Limit & Other Details: Please Read Official Notification.

Also Check :  Constable Bharti Syllabus 2021 in Details
Google Assistant for hands-free help Aps

How to Apply : Interested and eligible Candidates may Apply Online Through official Website ojas.gujarat.gov.in

Important Dates:

• Starting Date for Submission of Online Application: 01-10-2021
• Last Date for Submission of Online Application: 20-10-2021

Important links

Click here to view official Notification

Click here to Apply Online

 

પો.સ.ઇ. કેડરની ભરતી માટે કરવામાં આવેલ અરજી કન્ફર્મ કર્યા બાદ જનરલ કેટેગીરીના જે ઉમેદવારોએ ફી ભરેલ નથી તેઓની અરજી રદ કરવામાં આવેલ છે. રદ થયેલ અરજીઓનો કન્ફર્મેશન નંબર જોવા માટે અહિં કલીક કરો… 

Also Check : Staff Selection Old Exam Question Papers

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Free Resume builder app will help you to create CVfor job application in few minutes.

કેમ છો મિત્રો, હું મેહુલ પંડ્યા આજે અપના માટે એક સરસ એપ લઈને આવ્યો છુ તો ચાલો એના વિષે વાત કરીએ . 

Free Resume builder app will help you to create professional resume & Curriculum vitae (CV) for job application in few minutes.

 

Free Resume builder app will help you to create CVfor job application in few minutes.

Technology information,  Resume Maker app is perfect app 

 

Resumes Can Be Used For A Variety Of Reasons, But Most Often They Are Used To Secure New Employment.

download app click Here to

 

Professional Resume Builder - CV Resume Templates app is for fresher & experienced - Create the best professional resume in minutes with a free handpicked resume template.

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A Typical Resume Contains A "Summary" Of Relevant Job Experience and Education & Projects.

 

Free Resume builder app will help you to create CVfor job application in few minutes.

 

This resume builder is really a simple way to build a resume and this perfect resume builder app offers an expert resume with its assistance.

 

This resume app helps you to create professional resumes for freshers and experienced that supports your career goals, covers job descriptions that describe your skills.

 

Free Resume builder app will help you to create CVfor job application in few minutes.

Our Application Features :

 

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- If You Wish Would Add Your Picture In Resume

- Easy Process & Step By Step To Create Your Best Resume.

- Only 3 To 4 Minute Resume Creator Process

 

You have to enter the following details for create your resume.

 

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Free resume builder app can easily adapt the CV or resume designs to any resume format you choose such as functional, reverse-chronological, or combination Curriculum vitae, one page / single page or two page resume formats, freshers resume format, biodata format and job application CV format.

 

आपको तो पताही है की सीवी निजी नौकरी के लिए बनाना बहुत ही अनिवार्य  है...

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Tuesday, September 28, 2021

Admission open Samaras Hostel 2021@samaras.gujarat.gov.in

Admission open Samaras Hostel 2021@samaras.gujarat.gov.in

Admission open Samaras Hostel 2021@samaras.gujarat.gov.in

Samaras Hostel Admission 2021: Gujarat Samaras Chatralay Society Published Admission Notification For Students.Intrested And Eligible Students Apply Online Through Official Website.All Details About Samaras Hostel Admission 2021 Given Below.


Samaras Hostel Admission 2021

According To The Latest Updates Samaras Hostel Admission Available For All Cast Students.Gujarat Samaras Hostel Admission 2021 Open Now.

Gujarat Samaras Hostel Location

  • Ahmedabad Samaras Hostel Admission 2021
  • Rajkot Samaras Hostel Admission 2021
  • Surat Samaras Hostel Admission 2021
  • Vadodara Samaras Hostel Admission 2021
  • Patan Samaras Hostel Admission 2021
  • Anand Samaras Hostel Admission 2021
  • Bhavnagar Samaras Hostel Admission 2021
  • Jamnagar Samaras Hostel Admission 2021
  • Bhuj Samaras Hostel Admission 2021
  • Himatnagar Samaras Hostel Admission 2021
  • Samaras Hostel Admission 2021 Document

Admission open Samaras Hostel 2021@samaras.gujarat.gov.in

 

Samras Government Hostels Admission 2021-22 Available on Digital Gujarat (samras.gujarat.gov.in):

  • Rajkot Samaras Hostel Admission 2021-22
  • Ahmedabad Samaras Hostel Admission 2021-22
  • Baroda Samaras Hostel Admission 2021-22
  • Surat Samaras Hostel Admission 2021-22
  • Anand Samaras Hostel Admission 2021-22
  • Himmatnagar maras Hostel Admission 2021-22
  • bhuj Samaras Hostel Admission 2021-22
  • Jamnagar Samaras Hostel Admission 2021-22
  • Bhavnagar Samaras Hostel Admission 2021-22


 List

  • Character Certificate
  • Caste Certificate
  • Income Certificate
  • Student Last Marksheet
  • Passport Size Photo
  • Leaving Certificate
  • Aadhar card Zerox
  • Disability Certificate(If The Student Is Disabled)
  • Certificate If The Child Is An Orphan

Admission open Samaras Hostel 2021@samaras.gujarat.gov.in

 

How To Apply Samaras Hostel Admission 2021

  1. First Visit Official Website www.samaras.gujarat.gov.in
  2. Click On Registration Tab.
  3. Then Fill Your Below Details
  4. First Name
  5. Middle Name
  6. Last Name
  7. Date Of Birth
  8. Mobile Number
  9. Email Id
  10. Aadhar Card Number
  11. Enter Password
  12. Fill CAPTCHA Code
  13. After Filling All Details Click On Register Button.


Important Dates

Advertisement Published Date:28/09/2021

Last Date For Filling Online Application:15/10/2021

Important links

Apply online : Click here

Registration Guide lines માટે અહીં ક્લિક કરો

Official website of Samaras Hostel  માટે અહીં ક્લિક કરો

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Personal Loans vs. Credit Cards: What’s the Difference ?

 Personal Loans vs. Credit Cards: What’s the Difference ?

 How they compare and the pros and cons of each

 

Personal Loans vs. Credit Cards: What’s the Difference ?


 Personal loans vs credit card


Feature

            Personal Loan

Credit card

Purpose

Loan for a range of purposes, such as medical expenses, children’s education, wedding, home renovation etc

Small and big purchases for business or personal needs

How to borrow

By applying to a bank or financial institution with documentation

By using credit card in-store or online

Disbursement

Amount paid as lumpsum to the customer

Paid directly to the merchant on card swipe

Repayment

As EMIs to the bank for a specified tenure

Paid by customer at the end of credit period

Tenure

Generally from one to five years

Free interest free credit period usually up to 45 days

Borrowing limit

Calculated by bank based on proof of income

Predetermined monthly credit limit

Interest rates

Competitive in comparison to cards after free credit period (i.e. beyond due date)

Marginally higher than personal loans in case of delayed or part payments


Personal loan eligibility criteria

Fulfil the simple eligibility criteria to get a personal loan of up to Rs.25 lakh and meet a wide range of financial needs. These loans are collateral-free and are offered against easy-to-meet parameters. You can get the loan amount in your bank within 24 hours of approval.
 

When you apply for a Bajaj Finserv Personal Loan, you need to meet the following basic eligibility criteria:
 

    You must be between 20 and 60 years of age.
    You must be a salaried individual employed with an MNC, public or private company.
    You must be a residing citizen of India.
    You must have a minimum CIBIL score of 750 (Click here to check your CIBIL score for free).

Fulfil these parameters to get personal loans at attractive interest rates. The minimum salary required for a personal loan is based on your city of residence. Hence, your minimum net salary per month should be as follows:
 
Rs. 35,000/Month

Bangalore, Delhi, Pune, Mumbai, Hyderabad, Chennai, Coimbatore, Ghaziabad, Noida, Thane
 
Rs. 30,000/Month

Ahmedabad, Kolkata
 
Rs. 28,000/Month

Jaipur, Chandigarh, Nagpur, Surat, Cochin
 
Rs. 25,000/Month

Goa, Lucknow, Baroda, Indore, Bhubaneswar, Vizag, Nasik, Aurangabad, Madurai, Mysore, Bhopal, Jamnagar, Kolhapur, Raipur, Trichy, Trivandrum, Vapi, Vijayawada, Jodhpur, Calicut, Rajkot
 
Rs. 22,000/Month

Bidar, Mandya, Bhadrak, Balangir, Hassan, Junagadh, Chalisgaon, Godhra, Gandhidham, Pen and others. For a complete list of our locations, please click here.

It is essential to properly study the personal loan eligibility criteria and terms and conditions before applying for a loan to avoid rejection, which could adversely affect your CIBIL score. Avoid errors by using the Personal Loan Eligibility Calculator to find out if you qualify for a loan.

If you need to toggle the loan amount and tenor to find out the EMI amount that you can afford, use the convenient Personal Loan EMI Calculator.

You can also opt for a Flexi Personal Loan that allows you to borrow when you need from a sanctioned loan amount and prepay whenever you can. This helps you pay up to 45%* lower EMIs.


पर्सनल लोन के लिए आवश्यक दस्तावेज

एक आवेदक को पर्सनल लोन लेने के लिए निम्नलिखित दस्तावेज प्रदान करने की आवश्यकता है, वे प्रिंटेड या डिजिटल प्रारूप में हो सकते हैं।
1. अपनी पहचान के सबूत के तौर पर

भारत में, सरकार द्वारा जारी पहचान पत्र को पहचान का सबसे विश्वसनीय प्रमाण माना जाता है। अपनी पहचान सत्यापित करने के लिए आप निम्नलिखित में से कोई एक दस्तावेज प्रस्तुत कर सकते हैं:

    पासपोर्ट
    आधार कार्ड
    पैन कार्ड
    मतदाता पहचान पत्र
    ड्राइविंग लाइसेंस

2. अपने निवास के प्रमाण के तौर पर

निवास का प्रमाण सरकार द्वारा जारी किया गया दूसरा सबसे विश्वसनीय दस्तावेज है जिसे व्यक्तिगत ऋण प्राप्त करने के लिए प्रस्तुत किया जा सकता है। इस संबंध में निम्नलिखित दस्तावेजों को आदर्श माना गया है:

    पासपोर्ट
    राशन कार्ड
    यूटीलिटी बिल (टेलीफोन बिल / बिजली बिल / पानी बिल / गैस बिल)
    पंजीकृत रेंट एग्रीमेंट
    एलआईसी पॉलिसी रसीद
    आपके पते की पुष्टि करने वाले किसी मान्यता प्राप्त सार्वजनिक प्राधिकरण का पत्र

3. आयु प्रमाण पत्र

व्यक्तिगत ऋण प्राप्त करने के लिए आयु एक महत्वपूर्ण कारक है। आपको आवेदन में घोषित आयु के लिए सहायक दस्तावेज देने होंगे। आप अपनी आयु सत्यापित करने के लिए निम्नलिखित दस्तावेज प्रस्तुत कर सकते हैं:

    पैन कार्ड
    वोटर आईडी कार्ड
    ड्राइविंग लाइसेंस
    आधार कार्ड
    जन्मदिन का प्रमाण पत्र
    बैंक पासबुक
    10 वीं कक्षा की मार्कशीट

4. निवास के स्वामित्व का प्रमाण

निवास के स्वामित्व का प्रमाण प्रस्तुत करना निश्चित रूप से आपके मजबूत वित्तीय पद के बैंक को आश्वस्त करने में मदद कर सकता है, खासकर यदि आप उच्च ऋण राशि के लिए आवेदन कर रहे हैं।

भले ही यह एक अनिवार्य दस्तावेज नहीं है, लेकिन यह आपके वित्तीय मूल्य का समर्थन करने के पक्ष में साबित हो सकता है यदि आप दस्तावेजों को प्रस्तुत कर सकते हैं जो यह दर्शाता है कि आप एक स्वामी, एक अंश-स्वामी या घर के सह-स्वामी हैं जो वर्तमान में आप में निवास करते हैं। आप निम्नलिखित दस्तावेज प्रस्तुत कर सकते हैं:



    बिजली का बिल
    संपत्ति के दस्तावेज
    मेंटेंनेंस बिल

वेतनभोगी व्यक्तियों के लिए आवश्यक दस्तावेज

एक कर्मचारी एक व्यक्ति है जो एक संगठन द्वारा नियोजित किया जाता है और मासिक वेतन के रूप में आय प्राप्त करता है। वित्तीय संस्थानों को वेतनभोगी व्यक्तियों से निम्नलिखित अतिरिक्त व्यक्तिगत ऋण दस्तावेजों की आवश्यकता होती है।

1. आय प्रमाण

एक वेतनभोगी व्यक्ति के रूप में, आपको यह साबित करने के लिए निम्नलिखित व्यक्तिगत ऋण दस्तावेज़ प्रस्तुत करने होंगे कि आप उस संगठन से आय का एक स्थिर स्रोत प्राप्त करते हैं, जिसके लिए आप काम करते हैं।

    पिछले 6 महीनों के लिए सैलरी स्लीप
    पिछले तीन महीनों का बैंक स्टेटमेंट
    पिछले 2 वर्षों के लिए आयकर रिटर्न
    फॉर्म 16 की नवीनतम प्रति
    वृद्धि या पदोन्नति पत्र

2. निवेश का प्रमाण

यदि आप किसी भी निवेश जैसे अचल संपत्ति, सावधि जमा, बॉन्ड, और शेयरों को रखते हैं, तो आपको निवेश प्रमाण दस्तावेज प्रस्तुत करना होगा। ये दस्तावेज़ बैंक को यह समझने में विश्वास दिलाते हैं कि आप अपने वित्त की अच्छी तरह से योजना बनाते हैं, और काफी अनुशासित होते हैं, इस प्रकार उन्हें आश्वस्त करते हैं कि आप अपने ऋण को समय पर और व्यवस्थित तरीके से चुकाएंगे।
स्व-नियोजित (Self-Employed) व्यक्तियों के लिए आवश्यक दस्तावेज

स्व-नियोजित पेशेवरों को व्यक्तिगत ऋण प्राप्त करने के लिए निम्नलिखित व्यक्तिगत ऋण दस्तावेज प्रदान करना चाहिए।
1. ऑफिस के पते (Address) का प्रमाण

यदि आप एक व्यवसाय के स्वामी या एक स्व-नियोजित पेशेवर हैं, तो आपको अपने ऑफिस के पते का प्रमाण प्रस्तुत करना होगा। आप अपने ऑफिस के पते को सत्यापित करने के लिए निम्नलिखित दस्तावेजों में से एक प्रस्तुत कर सकते हैं:

    संपत्ति के दस्तावेज (यदि कोई हो)
    मेंटेंनेंस बिल (यदि कोई हो)
    यूटीलिटी बिल (बिजली / लैंडलाइन / पानी के बिल)

2. व्यवसाय के अस्तित्व का प्रमाण (Proof of Business Existence)

यह दस्तावेज़ केवल व्यावसायिक मालिकों के लिए अपने उद्यम के अस्तित्व का प्रमाण देने के लिए आवश्यक है, और स्व-नियोजित पेशेवरों के लिए यह साबित करने के लिए कि उनके पास एक ऑन-प्रैक्टिस है। यह निम्नलिखित दस्तावेजों में से एक को प्रस्तुत करके साबित किया जा सकता है:

    पिछले 3 वर्षों के वेतन की प्रतियां
    दुकान के स्थापना प्रमाण पत्र की प्रति
    कोई भी टैक्स रजिस्ट्रेशन कॉपी
    कंपनी रजिस्ट्रेशन लाइसेंस

3. ऑफिस के स्वामित्व का प्रमाण (Office Ownership Proof)

आप अपने ऑफिस के स्वामित्व के प्रमाण के लिए निम्नलिखित दस्तावेजों में से एक जमा कर सकते हैं:

    संपत्ति के दस्तावेज
    मेंटेंनेंस का बिल
    बिजली का बिल

NRI आवेदकों के लिए आवश्यक दस्तावेज


यदि आप एक NRI हैं, तो आप भी व्यक्तिगत ऋण के लिए आवेदन करने के पात्र हैं। जबकि सभी बैंक एनआरआई को व्यक्तिगत ऋण नहीं देते हैं, सिर्फ कुछ ही बैंक देते हैं। आवेदक को भारतीय निवासी होना चाहिए, और सह-आवेदक एनआरआई है। दोनों को करीबी रिश्तेदार होना चाहिए, और ऋण के लिए आवेदन करते समय एनआरआई को भारत में होना चाहिए। एनआरआई आवेदक के रूप में व्यक्तिगत ऋण प्राप्त करने के लिए आपको निम्नलिखित दस्तावेज प्रस्तुत करने होंगे:

    1 पासपोर्ट आकार का रंगीन फोटोग्राफ
    व्यक्तिगत ऋण आवेदन पत्र विधिवत भरा गया
    राष्ट्रीयता के प्रमाण के रूप में पासपोर्ट की 1 प्रति
    निवास के देश के प्रमाण के रूप में वीज़ा की 1 प्रति
    पिछले 6 महीने एनआरओ / एनआरई बैंक स्टेटमेंट
    अंतिम 6 महीने का वेतन प्रमाण पत्र या वेतन पर्ची
    रोजगार के सबूत।

ऊपर उल्लिखित व्यक्तिगत ऋण दस्तावेजों के अलावा, आपको अतिरिक्त दस्तावेजों के साथ भी तैयार रहना चाहिए जो आपके ऋण आवेदन को संसाधित करने के समय आवश्यक होंगे। इसमें शामिल है:

    एक पासपोर्ट आकार का फोटोग्राफ (रंग में)
    भुगतान पत्र रिकॉर्ड के साथ स्वीकृति पत्र, यदि आपके नाम पर मौजूदा ऋण है।
    आपका पेशेवर डिग्री प्रमाण पत्र, यदि आप एक स्व-नियोजित पेशेवर हैं, जैसे कि डॉक्टर, वकील, आदि।

यदि आपको व्यक्तिगत ऋण के बारे में अधिक जानकारी की आवश्यकता है, तो आपको अपने नजदीकी बैंक से संपर्क करना चाहिए।

आधार से लोन कैसे लें

हर बैंक ग्राहक की पात्रता जानने के लिए कुछ कागजात मांगते हैं. इनमें आधार कार्ड और पैन सबसे अहम होते हैं. आपसे बैंक पहचान सिद्ध करने के लिए कुछ दस्तावेज मांगेगा और यह काम एक खास प्रक्रिया के तहत होता है जिसे नो योर कस्टमर या KYC कहते हैं. ये दस्तावेज केवीसी के तहत ही बैंकों से मांगे जाते हैं. आधार कार्ड को सबसे बैध केवाईसी दस्तावेज बोला जाता है. यह एक साथ पहचान और पते का प्रूफ पेश करता है. आधार के जरिये अगर पर्सनल लोन चाहिए तो आप बैंकों में ऑनलाइन अप्लाई कर सकते हैं.

आवेदन के दौरान ई-केवाईसी दस्तावेज अपलोड करनो होंगे. आधार की एजेंसी यूआईडीएआई व्यक्ति का आधार कार्ड नंबर, बायोमेट्रिक डिटेल, नाम, लिंग, पता, जन्मतिथि और फोटो स्टोर करके रखती है. इसलिए आपको लोन लेने से पहले कोई भी हार्ड कॉपी देने की जरूरत नहीं होती.

स्टेप-बाई-स्टेप ऐसे करें अप्लाई

  • जिस बैंक से लोन लेना है और जिसका बैंक खाता आपके नाम है, उसका मोबाइल ऐप डाउनलोड कर लें या उस बैंक के पोर्टल पर जाएं
  • बैंक की वेबसाइट या ऐप के सहारे आपको लॉग इन होना होगा
  • यहां आपको loan का ऑप्शन दिखेगा जिसमें personal loan पर क्लिक करना है
  • यहां आप चेक कर लें कि लोन लेने के पात्र हैं या नहीं
  • जब पात्रता कंफर्म हो जाए तो apply now टैब पर क्लिक कर दें
  • अब आपसे ऑनलाइन एप्लिकेशन भरने के लिए कहा जाएगा. इसमें आपको पर्सनल, रोजगार और पेशे के बारे में जानकारी मांगी जाएगी
  • इतना कुछ करने के बाद एक बैंककर्मी आपको फोन कर डिटेल का वेरिफिकेशन करेगा
  • आपसे आधार कार्ड की एक कॉपी अपलोड करने के लिए कहा जाएगा
  • बैंक से जैसे ही आधार और आपकी जानकारी वेरिफाई होगी, आपके खाते में लोन का पैसा ट्रांसफर कर दिया जाएगा
  1.  इस सुविधा को लेने के लिए न्यूनतम उम्र सीमा 23 साल और अधिकतम 60 साल रखी गई है.
  2.  आवेदक को भारतीय नागरिक होना चाहिए और किसी सरकारी, निजी या मल्टीनेशनल कंपनी में काम करना चाहिए. 
  3. लोन लेने के लिए आपका क्रेडिट स्कोर सही होना चाहिए. 
  4. साथ ही एक मिनिमम मंथली इनकम की सीमा तय की गई है, जिसे आवेदक को पूरा करना होगा.

When to purchase through a Mastercard

  • At the point when you need to purchase something inside your credit limit
  • At the point when you have adequate charge card limit for a first-class buy.
  • At the point when you need to purchase instore or on the web 
  • At the point when you are not qualified for an individual advance 
  • When to purchase by means of individual credit 
  • At the point when you need a significant measure of cash higher than your Mastercard limit. 
  • At the point when you are arranging a huge buy that you need to pay throughout some undefined time frame 
  • At the point when you need to pay a business or individual who doesn't acknowledge Mastercards.
  • Do recollect that you can generally utilize your Visa for needs far beyond your own credit sum.

Individual Loans  

Moneylenders offer an assortment of choices inside the individual advance class that can influence the credit terms. By and large, the principle distinction between an individual advance and a Mastercard is the drawn out balance. Individual advances don't offer continuous admittance to reserves like a Mastercard does. A borrower gets a single amount front and center and makes some limited memories casing to reimburse it in full, through booked installments, and resign the credit. This course of action ordinarily accompanies lower interest for borrowers with a decent to high credit score.2

 An individual advance can be utilized for some reasons. An unstable advance can offer assets to back huge buys, unite Visa obligation, fix or update a home, or give subsidizing to fill a hole in receipt of pay. Unstable credits are not sponsored by insurance promised from the borrower.

Home credits, automobile advances, and different sorts of got advances can likewise be viewed as an individual advance. These advances will keep guideline systems for credit endorsement, however they might be simpler to acquire since they are upheld by a lien on resources.

In a home credit or a car advance, for instance, the loan specialist has the privilege to claim your home or vehicle after a predefined number of misconducts. Gotten credits normally accompany somewhat better terms on the grounds that the loan specialist has proprietorship rights implied which decreases their default hazard. Here are a few advantages and disadvantages of an individual credit.

Credit extension V/S Credit

Personal Loans vs. Credit Cards: What’s the Difference ?

Credit Card कैसे बनाये? क्रेडिट कार्ड बनाने का तरीका

हैलो दोस्तो, इससे पहली की पोस्ट पर हमने जाना था क्रेडिट कार्ड क्या होता है? और आज हम Credit Card कैसे बनवाये? इस बारे में Detail में जानेंगे. जैसा कि हम सभी जानते है, कोई भी बैंक अपने Costumers को क्रेडिट कार्ड उपलब्ध कराने से पहले उनके सामने कुछ Terms and Conditions रखता है ,जिसे पूरा किये बिना हम क्रेडिट कार्ड प्राप्त नही कर सकते है. इसीलिए अगर आप एक क्रेडिट कार्ड पाना चाहते है. तो उससे पहले आपको क्रेडिट कार्ड के बारे में अच्छी जानकारी प्राप्त कर लेनी चाहिए तथा क्रेडिट कार्ड के फायदे और नुकसान को भी समझ लेना चाहिए.

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वैसे तो हमने अपनी पिछली पोस्ट पर क्रेडिट कार्ड की जानकारी आपको दी हुई है, फिर भी हम आपको एक short preview दे देते है.  दोस्तो क्रेडिट कार्ड बैंक द्वारा उपलब्ध कराया जाने वाला प्लास्टिक कार्ड है, जिसके माध्यम से बैंक हमें offline और online Shopping करने, Online payment करने और खरीदी गई चीज की EMI भरने के लिए Money क्रेडिट में देती है या कह सकते है , उधार में देती है. बैंक हमे जो पैसे उधार में देती है, उसकी वह एक लिमिट तय करती है. वह लिमिट हमारे profession और monthly income पर निर्भर करती है.

क्रेडिट कार्ड द्वारा खर्च किये गए पैसो का भुकतान हमे हर महीने के खत्म होते ही अगले बीस दिनों में करना होता है. इस बीस दिनों में बैंक हमसे Low interest लेती है. लेकिन अगर हम किसी तरह से समय पर भुकतान करने से चूक जाते है या पूरा भुकतान नही करते है. तो शेष राशि पर बैंक अपना Interest और penalty charge लगाती है, जिसका interest rate high हो सकता है. तो कहने का मतलब यह है, अगर आपको वाकई लगता है की आप एक क्रेडिट कार्ड पाने योग्य है तभी आप क्रेडिट कार्ड के लिए अप्लाई करे वरना यह एक महंगा सौदा है. तो चलिए अब बिना समय गवाएं सीधे topic पर आते है, और जानते है “क्रेडिट कार्ड कैसे बनवाये?”
क्रेडिट कार्ड कैसे बनवाये ( Apply for a Credit Card) ?

Credit Card apply करने के लिए सबसे पहले आपको अपने कुछ important Documents की photo Copy अपने पास रख लेनी है. क्रेडिट कार्ड बनवाने में लगने वाले जरूरी documents की सूची इस प्रकार है.

Document Required for Credit Card (क्रेडिट कार्ड के लिए आवश्यक दस्तावेज)

    Pan Card
    Identity proof ( Aadhar Card, Voter id etc. )
    Photographs
    Income tax return Receipt or Fix deposit in your account.

अगर आपके पास यह सभी Documents उपलब्ध है, तो आप क्रेडिट कार्ड के लिए अप्लाई कर सकते है. Credit card Apply करने के दो तरीके है.

    Offline (बैंक की branch में जाकर)

    Online (बैंक की वेबसाइट या क्रेडिट कार्ड उपलब्ध कराने वाली वेबसाइट जैसे Bankbazaar से)



Offline तरीके में simple आप बैंक में जाकर किसी Credit card seller या Agent से मिले उससे बात करे सभी plan देखे और अपने हिसाब से सही चुनाव करे. फिर उनसे Credit Card form ले उसे भरे और जरूरी document को उससे Attached करके बैंक में जमा कर दे. अब अगर आप बैंक की Terms and conditions में पास हो गए तो कुछ ही समय बाद Credit Card आपके घर पहुच जाएगा.

   
 चलिए अब हम क्रेडिट कार्ड बनवाने के online तरीके को Step by Step सीखते है. 

यहां हम आपको Bankbazaar की वेबसाइट से Online Credit Card apply करना सिखाएंगे.  तो चलिए BankBazaar से Step By Step क्रेडिट कार्ड Apply करना सीखते है.
BankBazar से Credit Card कैसे Apply करते है? (Step By Step)

Step 1 Bankbazar की वेबसाइट पर login  किजिये.

Step 2  Bankbazaar के home page पर आपको कई विकल्प मिलेंगे जैसे – Loans, Cards, Insurance, Investment, Check free Credit Card score, etc.  क्रेडिट कार्ड अप्लाई करने के लिए आप Cards पर क्लिक करे और क्रेडिट कार्ड को select करे.
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Step 3 अब क्रेडिट कार्ड बनवाने बनवाने के लिए Get a Card पर क्लिक करे.
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Step 4 अब अपनी Eligibility Check करने के लिए अपनी City Select करे, और Search for Credit Cards पर क्लिक करे.
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Step 5 अब अगर आप Salaried है तो अपनी Company का नाम लिखे जहां आप job करते है. Self Employed  है, अपनी फर्म का नाम लिखे और Continue पर क्लिक कर दे.
credit card kaise banaye

Step 6 इस पेज पर अपनी Net Monthly income (मासिक आय) Select करे, और Press to Continue पर क्लिक कर दे.
credit card kaise banta hai

Step 7 अब आपकी Salary जिस भी bank में deposit होती है, उस बैंक को  select करे और Continue पर क्लिक कर दे.

Step 8 अगर आपके पास पहले से किसी बैंक का Credit Card available है, तो उस बैंक को Select करे। लेकिन अगर नहीं है तो None को select करे और Continue पर क्लिक कर दे.

Step 9 अब अपनी Age Select करे, और Continue पर क्लिक कर दे.

Step 10 अब अपना Name, Mobile Number और Email डालने के बाद View Free Offers पर क्लिक कर दे.


Step 11 अब आपकी fill की गयी information के हिसाब से जो credit card आपके लिए best  होगा, उसकी list filter होकर आपके सामने show  हो जाएगी. अब जिस भी bank का credit card आपको पसंद आये उसके आगे instant apply पर क्लिक कर दीजिये.
 

अब आपको Banbazaar की तरफ से आपकी mail id या phone number पर एक massage मिलेगा.  जिसमे आपको बताया जाएगा कि आपकी Credit Card request approve हो चुकी है. इसके बाद आपको अपने Document Scan करके Bankbazaar की वेबसाइट पर upload करने होंगे या आप उनके द्वारा दिए गए address पर भी send कर सकते है. इन सभी process को Complete करने के कुछ समय बाद आपका क्रेडिट कार्ड आपके पास पहुच जाएगा. धन्यवाद|

A differentiation worth calling attention to is the contrast between a credit extension (LOC) and an advance. In contrast to an advance, a credit extension has implicit adaptability—its principle advantage. An impediment is that it commonly accompanies higher financing costs.

A LOC is a preset credit sum, however borrowers don't need to utilize everything. A borrower can get to assets from the credit extension whenever as long as they don't surpass as far as possible terms and different necessities, like making opportune least installments.

A LOC can be gotten or unstable (most are the last mentioned) and is ordinarily presented by banks. A significant special case is a home value credit extension (HELOC), which is gotten by the value in the borrower's home.

Charge cards

Charge cards fall into an alternate class of getting known as rotating credit. With a rotating credit account, the borrower normally has progressing admittance to the assets as long as their record stays on favorable terms. Rotating charge card records can likewise be qualified for credit-limit increments consistently. Financing costs are normally higher than individual advances.

Spinning credit works uniquely in contrast to an individual advance. Borrowers approach a predetermined sum yet they don't get that sum in full. Maybe, the borrower can take assets from the record at their attentiveness whenever up to the most extreme breaking point. Borrowers just compensation interest on the assets they utilize so a borrower could have an open record with no interest in the event that they have no equilibrium.

Mastercards can come in numerous assortments and deal a great deal of convenience.4 The best Mastercards can incorporate 0% basic premium periods, balance move accessibility, and prizes. On the opposite finish of the range, some can accompany high yearly rate financing costs joined with month to month or yearly expenses. All Visas can for the most part be utilized anyplace electronic installments are acknowledged.

Top quality cards with remunerations focuses can be profoundly valuable for a the borrower advantages and pays adjusts down month to month. Prizes cards can offer money back, focuses for limits on buys, focuses for store brand buys, and highlights travel.

As a general rule, charge cards can likewise be unstable or gotten. Unstable cards offer credit with no security. Gotten cards are frequently a possibility for borrowers with low financial assessments. With a got card, a borrower is needed to give capital towards the card's equilibrium limit. Gotten cards have differing terms so some might coordinate with the got balance, some might offer an increment after a predefined measure of time, and some might apply the tied down equilibrium to the card as an installment following a while.

Generally, each kind of charge card will have its own particular manner of amassing interest so it very well may be imperative to peruse the fine print. In contrast to individual advances, where your regularly scheduled installment is generally something very similar over the whole reimbursement time frame, a Mastercard bill will fluctuate every month.

Some charge cards offer borrowers the upside of an assertion cycle beauty period which takes into consideration uninhibitedly acquired assets. Different cards will charge every day interest, including the last interest charge toward the month's end. For cards with an elegance period, borrowers can find that they have around 30 days to buy something interest free if the equilibrium is paid before interest starts to collect.


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