#Fd transfer status

[lokeshsingh811]

Updated UPI Regulation Changes You Need to Know

In the first quarter of 2024, UPI transactions in India surged to a record-breaking 40 billion. It showcases the growing popularity and reliance on this digital payment system. However, with the increasing adoption of UPI, it is important for users to stay informed about the recent changes and rules governing UPI transactions. From updated transaction limits to enhanced security measures, knowing the rules of UPI payment will help you make secure and seamless transactions. Are you aware of the latest updates that could impact your UPI experience? Let's explore the new guidelines to keep your transactions smooth and safe.

Maximized Transaction Limits for Hospitals and Educational Institutions

One of the significant updates from the RBI is the increased transaction limit for UPI payments involving hospitals and educational institutions. Recently, the limit has been raised from ₹1 lakh to ₹5 lakh. This change aims to facilitate high-value, real-time payments and instant settlements in critical sectors, making it easier for patients and students to manage large payments seamlessly. Whether it's paying for medical treatments or educational fees, this new limit enhances convenience and efficiency.

Pre-Sanctioned Credit Line

The NPCI has introduced the concept of a pre-sanctioned credit line on UPI. This feature allows users to avail credit directly through their UPI apps, streamlining the borrowing process. With this new rule, users can access a pre-approved credit limit without the need for separate applications or documentation. This move is expected to boost the accessibility of credit, especially for small businesses and individuals who require quick financial assistance.

For Secondary Market

In a move to integrate UPI with the secondary market, the NPCI has introduced 'UPI for Secondary Market' in its Beta phase. This initiative allows limited pilot customers to block funds post-trade confirmation and settle payments on a T1 basis through Clearing Corporations. By using UPI for these transactions, the process becomes more streamlined and secure.

UPI ATMs Using QR Codes

A pioneering development in the UPI ecosystem is the introduction of UPI ATMs using QR codes, currently in the pilot phase. This innovation allows users to withdraw cash without the need for physical debit cards. By scanning a QR code at the ATM using their UPI app, users can initiate cash withdrawals directly from their bank accounts. This feature enhances convenience and promotes financial inclusion by providing an alternative method for accessing cash.

Four-Hour Cooling Period

To enhance the security of UPI money transfer, the RBI has proposed a four-hour cooling period for users initiating their first payment exceeding ₹2,000 to new recipients. During this timeframe, users can reverse or modify transactions if necessary, providing an additional layer of protection against unauthorized payments. This cooling period aims to give users enough time to review their transactions. It minimizes the risk of fraud.

Capping Words

UPI continues to set new standards for convenience and safety, and staying informed about these changes is essential for making the most of UPI's capabilities and ensuring secure transactions. Whether you are a frequent UPI user or just getting started, understanding the recent updates of the UPI quick money transfer app will help you navigate the digital payment world with confidence.

[santoshkumar7787]

Different Sorts Of Fixed Deposit

Looking for a smart way to sit and watch your money grow? Here is your golden ticket to enter the world of fixed deposit. Having an FD account assures you that your money grows without any market ups and downs. With attractive interest rates and time, fixed deposits are perfect for the ones who want to enjoy their wealth with peace of mind. Let’s discuss some different sorts of Fixed Deposits to secure your future.

Download app:

[prabhoddavkhare]

Mastering your fixed deposit: essential managing tips:

Do you have funds lying idle in your bank account? Open an FD account that would fetch higher returns after a fixed period. Usually, every bank accepts fixed deposits for a fixed tenure and offers a particular interest rate. 

It is the safest mode of investment that offers better returns in the market. Customers prefer this no-risk, no-loss investment as it provides slightly higher returns than a savings account. If you opt for FD investment, your capital is guaranteed with predictable and regular returns.

How does an FD work?

When you open an FD account, you should invest a certain sum of money for 1, 5, or 10 years. The tenure can start from one week to 10 years. The bank doesn't allow you to withdraw before the stipulated time. It doesn't allow you to add extra money either. Suppose you invest 5 lakhs for 5 years and want to add 1 lakh to your FD account, your bank will not allow you to do that. You can open a new FD account for the extra money.

The longer the tenure of your FD, the higher the returns. On maturity, the FD amount with interest gets credited to your savings bank account. There is an option for auto-renewal after maturity.

Features of fixed deposit:

Fixed returns: Unlike stock market returns, which are highly unpredictable, FD returns are predictable and assured. You can even check the balance online by creating an ID and PW. 

Tax deductions: You can claim tax deductions under Section 80C of the Income Tax Act if you invest in a 5-year tax-saving FD. 

Safe and secure: As FDs are not subject to market risks, they provide capital assurance. After maturity, you will get the capital amount plus interest agreed upon during the opening of the fixed deposit account.

Loan against FD: If you have an FD account, you can approach your bank for a loan against the FD account. 

How can I check the balance in my FD account?

A customer can always check the balance in the FD account by logging into the service provider's portal. You need to click "My account" in the portal to check the details in the FD account. Sign in using your FD user ID and PW to do the following transactions:

Check the tenure, rate of interest and date of maturity of your FD.

Renew your fixed deposit by adding a new tenure and increasing the returns on the existing amount.

Get access to your FD receipt by downloading it. You can also check the statement of account by simply logging into the same account.

You can change or add a nominee to the FD account by clicking on the details.

To summarize, a fixed deposit is the most popular way to invest money, as it has zero risk and guaranteed returns. Many customers open an FD account with the bank; they hold a savings bank account to utilize the cash when they need it the most. There are short-term FD and long-term investments where you can park your idle funds and use them during the money crunch. Every bank provides FD with an option to check online history at a future date.

[aviltwayne]

Kotak811 Mobile Banking Check A/c balance & transaction history, scan QR & transfer money via secure UPI

Enjoy the power of seamless digital banking with Kotak 811 – the ultimate UPI app for all your banking needs! With our feature-rich mobile banking app, you can open a bank account in just 3 minutes, check balance online, view transaction history, and enjoy secure UPI payments and grow your savings faster with High-Interest Fixed Deposits!: 3-step process for creating & managing your FD.

[santosh811]

How to Choose Online Business Bank Accounts

When you first start your business, personal and business funds and expenses may mix and mingle. However, as your business expands, it becomes increasingly crucial to keep those finances separate.

Source :

Download App :

[abishekkadame]

Kotak Mahindra Bank’s official mobile banking application for Android phones.

The Kotak Mobile Banking App, a best in class App, provides banking on the go, which is a must in today’s digital era. If you are not an existing Kotak customer, you can open a Kotak Savings account or an 811 digital bank account by visiting your nearest branch.

If you are an existing Kotak customer, you can use the 250+ features of the app to Bank, Pay bills, Invest, Shop and access services. One of our recent additions to the 250+ features is our new Pay Your Contact feature, where you can now send money to anyone using just their mobile Number

[redvision-technologies]

What is the Live MF Portfolio in the Best Mutual Fund Software in India?

Managing multiple portfolios can feel overwhelming when you're a mutual fund distributor. That’s where having the best mutual fund software in India can make a world of difference. REDVision Technologies offers a robust solution designed to simplify your work and enhance your clients' experience. Let’s dive into what makes their Live MF Portfolio feature standout.

Track All Transactions with Ease

One of the most crucial aspects of managing mutual funds is keeping track of all transactions. The Live MF Portfolio allows you to see everything clearly. Whether it's a Systematic Investment Plan (SIP), Systematic Transfer Plan (STP), or Systematic Withdrawal Plan (SWP), this software records every transaction meticulously. You don’t have to manually log each entry or worry about missing any critical data.

Goal Tracker

Investing without goals is like driving without a destination. The Goal Tracker in the Live MF Portfolio helps you and your clients set and monitor financial goals. Whether the goal is buying a house, saving for children's education, or planning for retirement, you can track the progress seamlessly. This feature not only keeps the investors motivated but also allows you to offer better advice based on their goal achievement status.

Capital Gain Analysis

Understanding the capital gains in a particular financial year is essential for tax planning and investment strategies. The Live MF Portfolio provides a detailed analysis of capital gains. This means you can easily determine short-term and long-term gains, helping clients make informed decisions about when to sell their investments to minimize tax liabilities.

Profit and Loss Statements

Knowing the profit and loss of each investment is crucial for assessing the performance of the mutual fund portfolio. The software offers comprehensive profit and loss statements, breaking down each investment's performance. This transparency helps in making data-driven decisions, ensuring that you can guide your clients towards the most profitable investment options.

Dividend History

Dividends are an important part of many investors’ income strategies. The Live MF Portfolio includes a detailed history of all dividends received. This allows you to show your clients the returns they are getting from their investments and help them plan their finances better.

Recent Transactions

Keeping up with recent transactions is necessary for managing cash flow and ensuring timely investments.

You can get all recent transactions, including inflows and outflows, according to the date. With this feature, you and your clients can get a clear picture of the portfolio’s activity at any given time.

Upcoming Events

Life is full of important dates and forgetting them can lead to missed opportunities or financial penalties. The Live MF Portfolio helps you stay on top of upcoming events such as birthdays, anniversaries, SIP installments, insurance expiries, Fixed Deposit (FD) maturities, and life insurance renewals. By reminding you of these dates, the software helps you maintain a personal touch with clients and ensures that no critical financial event is missed.

Conclusion

For mutual fund distributors, managing mutual funds involves various aspects, from tracking the live transactions in managing funds to monitoring capital gains and staying on top of upcoming events. The Live MF Portfolio in REDVision’s software is designed to make this complex task simpler and more efficient. By providing detailed insights and reminders, it helps mutual fund distributors offer better service and make informed decisions. So, if you're looking for the best mutual fund software in India, consider REDVision Technologies for a comprehensive solution that meets all your needs.

[kundanrefinery]

Smart Investing: Safeguarding Wealth with Gold and Silver

There is a wise saying that "Change is the only constant", and it can be applied to one's financial stability. Several factors, like inflation and sudden emergencies, affect your financial stability. Smart investment is the only savior on such rainy days. Investing in gold and silver is one of the best strategies to safeguard your wealth from adverse situations. Let's delve into the benefits of Gold and silver as an investment in this blog.

Benefits of safeguarding wealth with gold and silver 

Gold coins and bars symbolize prosperity and good fortune. For this reason, many people invest in gold, either as a future asset or a gift. However, you need to be careful concerning the gold and silver sellers, their reputation, current economic trends, etc., before investing. The following merits of safeguarding your wealth with gold and silver will tell you why you should start investing today.

The diverse investment options: The economic trends are always uncertain, and investment options like bank savings or FDs comparatively offer less return on investment than gold or silver because of the sudden striking rates of this precious metal. Moreover, the stock markets are contrary to gold and silver investments, which help you diversify your investment and cope with the losses. You can look for various gold or silver products, like jewelry, bars, or Kundan coins as investments to diversify your portfolio.

A hope in rainy days: During times of emergency, you can quickly convert your gold or silver investment into cash. In addition, gold and silver bullion wealth is an inflation hedge. Inflation elevates the rates of almost everything, including gold. While increasing rates of daily use products are the drawback of inflation, the high rates of gold and silver are an opportunity for the owners of such precious metals. Financial safety during inflation is the main reason to start your investment journey today.

Low risk and tangible: You can unlock financial stability with gold and silver as investments. It is tangible as you can store it physically or exchange it later for the gold product of higher value. It does not involve complex processes and charges of Asset management. However, if you own multiple gold or silver jewelry, you will have to invest a bit in its safe storage.

Liquid and accessible asset: The easy buying and selling process of gold and silver makes its economic benefits forever accessible for the owner. In addition, you can liquidate it easily by selling it to any reputed gold dealer. When you trust Kundan coins as an investment, you get the best rates, hassle-free selling, and timely amount transfer through our lifetime buyback policy.

Ever-growing value: Although gold and silver benefit the most during inflation, they are always valuable. Gold and silver coins, bars, or jewelry always attract impressive rates to help you deal with fluctuating financial status.

Start your investment journey today with Kundan Refinery

Kundan Refinery provides 100% certified gold and silver products with 999.9 purity and best pricing. At Kundan, we take complete accountability for product authenticity, after-purchase cleaning and repair, fair pricing, and timely shipping. All coins and bars reach the customer in sealed and secure packaging with detailed bills, certification stamps, and care instructions. Want to avail the best offers on certified gold and silver for investment? Then, start investing today with the Kundan refinery.

[rafael-silva]

you never know when the wave's gonna break but I'll be there: a tarlos fic

A firefighter!Carlos AU where a collapse during a rescue traps Carlos under a beam, pinning him as the fire gets closer, while TK watches from outside, heart in his throat, praying that it isn’t the day he loses the love of his life. In the aftermath, TK takes care of Carlos, in more ways than one. 

major character injury, hurt carlos reyes, worried tk strand, paramedic tk, hurt/comfort, soft carlos/tk, whump, comfort, angst with a happy ending 

whumptober 2021: day 1 - trapped (alternate prompt 10) 

4.3k | rated T | on ao3

title from carry on by young rising sons

*****

“Reyes, report!”

“Still searching the north east room, Cap!” Carlos replies over the sound of the raging fire coming from down the hall.

The fire was quickly eating at the structure of the house, the wood creaked and moaned around Carlos with every step he takes. The team managed to get the parents and son out but the daughter was still unaccounted for. They were running out of both places to look and time. And it’s so hot, the smoke getting heavier and Carlos can feel the heat even through the protection of his turnout coat and his gear, can feel the sweat rolling down his neck and back under his Austin FD t-shirt.

“Copy, make your final rounds and get out, the house is losing stability,” Owen orders, watching the two-story house engulfed in flames from the front lawn.

The captain senses a presence and turns to see his son coming to a halt on his right.

TK gives his father a worried look, but only for a few seconds, they’re all he can spare, before he redirects his attention back to the house where his boyfriend is currently making his way through a blazing fire.

He, Tommy and Nancy had looked over the parents and son before other paramedics took over their care and then TK finds himself standing next to his father.

“He’ll be out soon,” Owen tells TK in a reassuring tone.

TK starts to nod and before he can say anything, the radio comes to life with Carlos’s voice.

“Found the little girl, Cap!” Carlos reports. “Making our way out now.”

“Copy,” Owen responds.

Along with Carlos, Judd and Paul were still inside the burning house but Owen’s evacuation order stops in his throat when a loud rumbling followed by a crash is heard, originating from the north east side.

TK’s heart drops into his stomach, an involuntary gasp escaping his mouth as his eyes go impossibly wide. He freezes, everything around him suddenly muted and movements are in slow motion, and he feels detached, he feels so far away. But his heart is racing, his thoughts are racing and it’s an odd sensation, experiencing time slowly and rapidly in the same exact moment. He turns to face his father so quickly he thinks he gets whiplashed but he doesn’t really care about that right now. He wants to scream for Carlos but he can’t find his voice.

Owen is ahead of him, however, already clutching his radio tight and howling into it. “Reyes, report!”

Nothing.

Again. “Reyes, report!”

Silence.

TK’s heart sinks further down, into his knees now and he feels them go weak, his whole body getting hotter as the worry takes over. His heart is beating wildly in his chest, thumping heavily against his ribcage. Part of him isn’t even sure he’d hear if Carlos responds, not sure he’d hear it over the rushing of his blood in his ears. But TK knows no response has come from the love of his life judging by the worried look etched on his father’s face.

He closes his eyes, doing his best to calm himself because he can’t afford to lose control now, Carlos can’t afford to have him loose control right now. Carlos might be hurt, and he needs TK and TK won’t let him down. TK tells himself he can freak out later, but in this moment, he needs to be at the top of his game for Carlos.

It seems to work because his father’s voice next to him is becoming clearer but the dread is still spreading in TK’s gut at the lack of response from Carlos.

“Carlos!” Owen doesn’t coat the sheer worry in his voice now, professionalism going out the window.

And then they hear a click, followed by a few moments of static then finally, the firefighter’s voice filters through.

“C-Cap,” Carlos heaves, his voice low and strained.

“Carlos!” Owen immediately replies, “are you okay? What’s your status?”

“Trapped,” Carlos groans. “Pinned under a beam, can’t move it.”

“Okay, try to stay as still as you can. How’s your breathing?”

Carlos draws in a short breath but it’s too much to handle and he ends up coughing roughly. “Can’t breathe all the way, it hurts…may have broken…a couple of ribs.”

“Save your energy, Carlos. And the little girl?” Owen asks.

“She’s okay…protected her,” Carlos replies but his voice is getting lower now, getting weaker.

“He’s starting to fade,” TK finds his voice, immediately picking up on the change in Carlos’s tone. The panic bleeds from his voice now, his green eyes glittering with unshed tears as he turns to look at Owen.

“Stay awake, Carlos,” Owen says into the radio. “Judd, Paul, can you get to him?”

“Yeah, Cap,” Judd instantly replies. “Hang on, Carlos, we’re coming.”

TK sucks in a deep breath and lets it out slowly. Knowing their team is going to help Carlos makes the situation just a little bit easier but still, TK is a paramedic, he can’t help but think about all the complications that could arise from what Carlos has just experienced. Broken ribs, punctured lung, collapsed lung, internal injuries…and what if they don’t get to him on time? If they don’t get him out on time? TK trust their team, knows they’re the best in the business but he’s seen how quickly things can go from bad to worse and Carlos…he can’t lose Carlos.

TK shakes his head. Carlos is going to be fine, they’ll get him out and he’ll be fine. He has to be. Because the alternative isn’t an option.

He’s brought back from his thoughts by a hand on his shoulder, and he turns to face Tommy. She gives him a small, comforting smile, very much in her soft motherly way, and TK attempts to return the smile but falls short. Nancy is next to her and she gives him a slight nod and a smile. TK senses their support and it helps him compose himself some more.

Tommy watches TK closely as his eyes meet her’s again, and she asks a silent question.

TK understands and nods, standing up a little more straight and sniffs, reminding himself of the most important thing in this moment: Carlos needs him.

He can do this and when Owen gives him a nod, TK knows what he needs to do. He takes a deep breath and wraps his hand around his radio, pressing down the button on the side.

“Carlos,” TK calls, praying his voice is steadier than how it sounds to his own ears. “You gotta stay awake, babe, help is on the way.”

“Ty,” Carlos whispers.

“I’m here,” TK reassures him. “And I’ll be right here when they bring you out,” he promises. “Judd and Paul are coming for you, just hang on.”

“I’ll try…”

“Judd, Paul, what’s your position?”

“Nearing the north east side,” Paul reports. “Almost there.”

“You hear that, babe?” TK speaks to Carlos.

“Y-Yeah,” Carlos replies but his reply is followed by a throaty groan.

TK’s heart breaks some more at hearing Carlos in pain and he feels helpless that he can’t do anything to help him until they get Carlos out. “Just breathe slowly for me, okay? I know it’s not easy but I need you to try.” He keeps his tone calm, hoping to transfer some of that to Carlos through his voice.

Carlos follows TK’s instructions and a few moments later he mumbles, “better.”

“That’s good, that’s good,” a ghost of a smile flashes over TK’s face. “You’ll be out of there in no time and everything is going to be okay.”

“We see them, Cap!” Judd’s strong voice echoes off the radio.

TK feels his heart pick up speed again and he worries his bottom lip between his teeth, holding his breath as he listens in.

“Be careful, we can’t risk a secondary shift,” Owen replies. “Keep comms open.”

“Copy.”

Inside, Judd and Paul tread as lightly as they can once they approach the room, eyeing the fallen wood that’s mangled with steel and wires. There’s a considerable amount of debris, and in the middle of it, they spot the back of Carlos’s turnout coat, the light catching the fluorescent REYES stitched at the bottom.

They’re at least glad to see that the young firefighter’s helmet stayed on once their eyes trail up his body, protecting his head.

“Carlos!” Paul calls out. “We’re here, man, just hang on.”

Carlos doesn’t say anything back but Judd can see the wobbly movement of his chest by the rise and fall of his back.

“Captain Vega, Carlos’s breathing isn’t right, it’s short and quick,” Judd says into his radio.

“Copy that,” Tommy’s voice returns. “He may have a collapsed lung along with broken ribs, or it could be the pressure preventing his lungs from expanding the whole way but you need to be very careful when you move him to prevent any further internal injuries.”

“Copy.”

The beam that’s currently lying on Carlos’s back is thick and round, and it’s going to take considerable strength and mobility to shift it backwards and off Carlos. Judd knows he and Paul can lift it and move it away but he’s worried about the domino effect that would have on the surrounding debris. He quickly assess the situation with a professional eye and nods.

They need to get Carlos and the little girl out, so Judd sends a prayer and turns to Paul.

“Go over to that side,” he points to the opposite end of the beam. “On three, we carefully lift and wait a few seconds in case anything shifts then we place the beam on that side of the room. It’s the most stable surface I can see and that’s a loading beam that can carry this one.”

“Got it,” Paul confirms.

Judd counts down and they get to work. Thankfully, lifting the beam doesn’t cause a shift or ripple effect and a small sigh is heard from Carlos once the pressure is lifted off him.

They hurry back to Carlos and help him move, gently helping him sit up and Judd places his hands Carlos’s shoulders.

It took a toll on Carlos’s body and Judd suspects the younger man would have toppled backwards if it weren’t for his steady support.

“Hey, hey, easy,” Judd says.

Carlos leans back and inhales sharply, wanting and needing to get as much air into his lungs as possible and squeezes his eyes as he exhales, grinding his teeth together as the wave of pain washes away. He opens his eyes and finds Judd’s concerned face.

“You with me, Reyes?” Judd frowns.

“Y-Yeah.”

“We got them, Cap,” Judd announces into his radio.

Paul leans down in front of Carlos and picks up the little girl. She’s shaking but otherwise seems to be okay, thanks to Carlos shielding her with his body.

“Hi, sweetheart,” Paul says softly, holding her tightly. “Are you okay?”

The little girl nods, wrapping her arms around Paul’s neck and her legs around his waist. She holds onto him for dear life.

“Let’s get you out of here,” Paul adds and then looks at Judd.

Judd nods. “Go, I got him.”

“Coming out with the girl now,” Paul relays into his radio.

“Can you stand up?” Judd asks Carlos once Paul and the little clear out of the debris.

“I think so,” Carlos nods.

Judd carefully lifts Carlos’s arm and drapes it over his shoulder, gently helping Carlos up to his feet.

Carlos has to bite back a hiss as the movement jostles his battered ribs and he has to take a moment to breathe as best as he could.

Judd only starts moving when Carlos nods again.

TK starts to breathe a little easier upon hearing Judd announcing that they’re making their way out. But he doesn’t allow himself to relax because he knows they aren’t out of the woods yet. He only lets out a sigh of relief, after what felt like a lifetime and two, once he sees Judd supporting Carlos as their bodies emerge from the black smoke pouring out of the front door. His shoulders sag forward for only a moment before he’s pulling himself together again.

He hears Owen order to open the hoses and TK barely registers Paul and Mateo’s copy, Cap! It’s all background noise as TK’s legs quickly carry him to meet the two firefighters, Carlos is so close now and that’s all he focuses on.

“Hey, hey,” TK says, moving to Carlos’s other side and helping carry his weight. “We got you.”

Judd’s a big, strong man, but TK knows out of experience how tiring it is to help anyone through and out of a fire, let alone someone injured and carrying the same heavy gear.

Besides, TK needs to feel Carlos, needs to hold him, to make sure he’s actually here, that he’s actually next to him.

They stop for a second to remove Carlos’s helmet and mask followed by Judd lifting the oxygen tank off his shoulders and lowering it to the ground. Together, Judd and TK support Carlos over to the ambulance, where Tommy and Nancy are waiting by the gurney. Carlos groans and an arm moves to cover his middle as he’s lowered down on the soft material, a stark contrast to the wood and debris he was lying in just minutes prior.

The sigh he pushes out can be attributed to the comfort the material provides for his worn out body or the slight pressures lying down eases off his chest and ribs. TK thinks it’s most likely both.

As much as TK wants to gently hold Carlos and never let go, he pushes past it and shifts into paramedic mode; he’ll get to hold Carlos once he’s out of danger, right now, Carlos needs his paramedic experience. This is the moment TK’s been waiting for, the moment when he can help Carlos, when he can ease some of his pain away and slowly, the helpless he had felt earlier starts to drain away as he gets to work.

TK removes Carlos’s gloves and starts unfastening his turnout coat so they can inspect his chest and ribs, while Nancy works on taking Carlos’s vitals and Tommy closely observes.

Judd watches the paramedics work for a few minutes then he’s about to walk back to Owen when a brush of a hand over his sleeve stops him.

He turns back to see Carlos looking at him, the brown in the younger man’s irises bright and vivid against the tears swimming in his eyes. Tears from pain and exhaustion, Judd suspects, but he also sees gratitude and trust in the way Carlos is looking at him.

“Thank you,” Carlos whispers, wheezing a little.

“Don’t mention it, brother,” Judd replies, giving Carlos a comforting smile. “Save your strength, you’ll be back on your feet in no time. Your boy and his team are taking great care of you.”  

Carlos responds with a small smile as Tommy covers his face with the oxygen mask.

TK and Judd share a quick look, TK giving him an appreciative nod and Judd responding with a light clap on TK’s back.

“Vitals are all over the place, Cap,” Nancy reports. “Increased heart rate and low blood pressure, respiration is labored.”

Tommy pushes the head of the stethoscope around Carlos’s now-bare chest, listening closely to his breathing, then she moves her hands to either side of his middle.

TK swallows as his eyes roam over the large bruises already formed over Carlos’s chest and ribs. He knew beforehand what to expect, but seeing them staining Carlos’s skin red is still something he wasn’t fully prepared for. He’s seen bruised ribs and chests before, but this is Carlos and he’s in pain and it breaks TK’s heart all over again.  

“This is going to hurt, Carlos, I’m sorry,” Tommy warns.

TK immediately takes Carlos’s hand and squeezes, silently tell him to squeeze back when he’s in pain in hopes of relieving some of it. And Carlos does, he squeezes TK’s hand so tightly and clamps his eyes shut once Tommy starts examining his ribs. A tear rolls down the side of Carlos’s face and disappears into his hair.

Carlos heaves once Tommy finishes her exam and he takes a second to breathe, but even with the oxygen mask, it’s difficult to get air into his lungs without his ribs screaming at him. The action causes him to cough several times, ending the series with a painful groan.

“At least three fractured or broken ribs,” Tommy confirms. “We’ll know more once they get an x-ray at the hospital. We’ll give you something for the pain, Carlos, it will help.”

Carlos nods, his hand still clutching TK’s.

“I’m right here, babe, I’m right here,” TK promises, watching as the mask fogs and clears with every short breath Carlos takes.

“Is your breathing a little better compared to when you were trapped?” Tommy asks before injecting the mediation into the IV line Nancy had inserted.

“A little,” Carlos replies, his voice muffled a bit by the mask.

Tommy nods, administering the medication. “You may have a bruised lung, not a collapsed one. We’ll know more at the hospital.”

They push Carlos into the ambulance and Nancy walks around the rig, getting into the driver’s seat as TK jumps in once the gurney is inside.

“We’ll meet you there as soon as we wrap up here,” Owen tells TK, sympathy drawn on his face.

TK nods and turns back to look at Carlos when Owen shuts the doors and taps on the glass.

The siren begins to wail as the ambulance moves and Nancy drives towards the hospital.

Carlos finds TK’s eyes through the haze that has become his vision, locking in on the vivid green he adores, the green he’d willingly get lost in for days.  

TK gives him the best smile he could muster, his eyes not leaving Carlos’s, those brown eyes that for a second, he thought he’d never see again. That thought alone almost brought TK’s whole world crashing down.

TK swallows, pushing that thought away. Carlos is going to be okay. He needs to focus on that. And now that they’re both here, TK never wants to look away from those beautiful, soulful eyes.

He runs the pad of his thumb over Carlos’s hand, knowing it helps calm his boyfriend, it’s reassuring and grounding, for both of them.

TK’s other hand finds its way to Carlos’s face and cups his cheek, gently caressing the skin left uncovered by the oxygen mask.

TK’s smile grows a little when Carlos leans into his touch.

*****

“Do you need anything else, babe?” TK asks, handing Carlos an ice pack.

Carlos shakes his head, wincing a little as he carefully presses the ice pack to his injured ribs. “I’m good, thank you.”

TK watches Carlos for a few moments before nodding and dropping a kiss to the top of Carlos’s head.

It’s been a few days since Carlos’s accident. The doctor had preferred for him to spend the first night at the hospital, to keep him under observation and to monitor his oxygen level. After more than a few objections from Carlos and him insisting that he’s fine, which he was not, he deflating and finally nodded when TK pretty much pleaded with him to agree.

The next day, satisfied that Carlos will be in the care of a paramedic, the doctor agreed to let him go home under strict instructions to take it easy and that if anything out of the ordinary happens or if his pain increases, that they return to the ER right away.

Carlos easily agreed, happy to get out of the hospital and to return home.

“Your mom called earlier,” TK says from where he’s standing in the kitchen, filling up two glasses of water. “She was checking on you and said she and your dad will visit soon, when you’re better.”

“It’ll be good to see them,” Carlos replies from his position on the couch, moving slightly against the pillow to try to get more comfortable.

“You know,” TK places one of the glasses on the table next to Carlos where it’s easy for him to reach, “I almost played the I’ll call your mom and tell her you’re being stubborn card at the hospital if you had still insisted on leaving that first night.”

That makes Carlos chuckle but he immediately holds his ribs as a pang of pain echoes across his chest.

“I don’t doubt it,” Carlos says after breathing through the pain. “It’s going to be a while before I go back to work, so we should probably make room in the fridge for the food my mom will bring over.”

“Yeah, I do love your mother’s cooking,” TK agrees with a nod as he sits next to Carlos. “And yours, too, of course. I’ll get on it. And I’m glad your mom will be stopping by when I eventually have to go back to work.”

“I’ll be fine, baby,” Carlos reassures him.

“Can you promise me something?”

“Anything.”

“I know your mom will be around most of the time while I’m at work, but there will be times you’ll be alone and if anything happens or if you need anything when your mom isn’t here, call one of us? I’m not saying you can’t take care of yourself, but your body has been through a lot, healing is going to take a while and that’s okay. At least until you start to heal more and movement gets easier. I don’t want you to feel like you have to power through this alone or mask your pain, you’re not alone, Carlos. And that goes for when me or your mom are here, too. We’re here for you and we want to help you. Please?”

Carlos lets TK’s words sink in and then he nods. “Okay, I promise.”

“Good. Besides, I don’t want to be the one to call your mom and explain what happened if you got hurt even more,” TK shrugs and raises an eyebrow.

Carlos’s carefully raises both his hands in a surrendering gesture before chuckling in the lightest way possible so he doesn’t hurt his ribs again.

They lapse into comfortable silence, watching the movie on TV but neither of them are really focused on it.

“What are you thinking about?” Carlos asks, his voice breaking the quiet, his ability to read TK unwavering and ever present.

TK takes a few moments to answer. “I just…hated feeling so helpless,” he eventually replies, but his eyes don’t find Carlos. Instead, his eyes fall on his hands sitting in his lap.

TK knows Carlos is okay, he knows because he’s right next to him, he can feel him, he can touch him, but he can’t help it when the images of the bruises on Carlos’s chest start to replay in his mind along with Carlos’s face crunched up in agony as he tried to breathe. He can’t help but feel the dread he felt then, worried that Carlos would slip right through his fingers.

Itching to do something with his hands, TK starts to fiddle with the strings of his hoodie.

Carlos frowns, eyebrows knitting together. “What are you talking about?”

“You were down, and there wasn’t anything I could do. You were hurt, and I…”

“TK, look at me,” Carlos pleads.

TK slowly lifts his gaze to meet Carlos’s, and there’s so much rawness and vulnerability in those green eyes, it momentarily takes Carlos’s breath away.

“You helped me, babe, you kept me awake, you did that,” Carlos starts. “Right after it happened, all I could feel was the pain and it was so cold, but when you started speaking to me, I felt warmth, I felt it everywhere and focusing on your voice took away some of the pain. You kept me calm, you gave me strength, and you do, every day.”

Carlos reaches out for TK’s hand, and TK wastes no time in letting go of the strings and taking the offered hand.

“I was so scared, when I heard and saw the collapse,” TK sniffs.

“I know, I was scared, too,” Carlos admits. “It felt like the ground was being torn from under me, and I guess it was, but you brought me back, you gave me something to hold on to, your voice lead me back. And even after Judd and Paul got me out and on the way to the hospital, you grounded me when I was free falling.”

TK lifts their connected hands and brushes his lips against Carlos’s knuckles. “I’ll always be here for you.”

“Come here,” Carlos gently lifts his arm, an invitation for TK.

TK hesitates. “I don’t want to hurt you.”

“You won’t,” Carlos matter of factly replies.

“Carlos…”

Carlos raises his eyebrows at TK and the paramedic knows his boyfriend isn’t taking no for an answer.

TK lightly chuckles and scoots closer to Carlos, carefully closing the gap between them without moving too much.

TK has his head settled on Carlos’s shoulder a few moments later, with his arm resting on Carlos’s thigh, avoiding having it add pressure on chest.

Carlos joins their fingers together and caresses the back of TK’s hand with his thumb, his other hand going to TK’s shoulder.

TK gazes up at Carlos and Carlos gives him a soft smile when their eyes meet.

TK leans up a little and places a kiss first to the corner of Carlos’s mouth and then another one to his lips. Carlos smiles against the kiss before returning it.

TK nuzzles against Carlos’s neck and takes a deep breath, inhaling Carlos’s mint-scented shampoo, the scent that is so Carlos, the scent that has become TK’s home.

They’re both still a little shaken from the accident, and TK knows it’s going to take a bit of time before they can completely move past it. But being curled up in Carlos’s arms, hearing his steady and strong heartbeat, TK knows they’re going to be just fine.

[usafphantom2]

Ronnie Bell Following

YB-17 36-152.

Delivered 20BS/2BG Langley 27th Mar 1937 transferred 19BG March Fd Oct-40; Hendricks Fd, Sebring 6-Feb-42; force landed base with W.R. George; 65 flts; Written off 13-Apr-42. this aircraft was No 50 built but never served in combat.

NOTE: The "Y" designation indicates that the aircraft was used by the USAAF in a service test status.

Via Flickr

[pancardcanada]

Pan Card Apply Online: How to Apply for PAN Card Online

Pan (Permanent Account Number) is a unique10-digit alphanumeric code gave by the annual expense office through which critical data with respect to a person's assessment of paying capacities and pay status can be tracked.PAN card is substantial for a lifetime and is significantly allocated to those covering charges. The IT office keeps a record of the equivalent and is an indispensable ID Proof that is mandatory to open a ledger, apply for a charge or Mastercard, apply for an advance, open a FD (Fixed Deposit) or an RD (Recurring Deposit), pay for protections and for some other monetary exchange started by the person.

Pan card can likewise be benefited by organizations and association firms and is required for everybody petitioning for annual assessment discounts. Anybody, minors, understudies, NRIs can benefit the PAN card and connection it with their financial balances for its recipient components.

TIN-NSDL (Tax Information Network – National Securities Depository Ltd.) is a named element by the Income Tax Department, Government of India which facilitates the application cycle of PAN Card from the solace of your home. Regardless of whether the solicitation is identified with another utilization of a PAN Card or an application to make revisions in a current PAN Card, TIN-NSDL is consistently at its best to help in helping the general society of India in their administrations.

Various sorts of PAN card

Pan cards can be benefited by any person of all ages and circles, any organization, trust, business firm, so, any substance. In any case, it should be noted here that the variations of Form 49 gave and gave by the public authority are to be utilized for an assortment of purposes. here we can momentarily rattle off the sorts of PAN cards that can be benefited.

Dish card for Individuals

Dish card for Non-Resident Individuals or People of Indian Origin

Pan card for Foreign Companies/Corporates paying duty in India

Pan card for Indian Companies/Corporates

Pan  Card for Overseas Citizens of India (OCE) and Non-Resident Entities (NRE)

Significance of PAN Card

While we as a whole know at this point that it is compulsory to hold a PAN card significantly for documenting charge discounts, let us presently harp on a portion of the other key uses and favorable circumstances of the PAN card.

Recording Tax Returns

Business Registration

Monetary Transactions

Utility Connections

Opening Bank Accounts

Pan  Card Eligibility

As per the segment 139A of the personal assessment act, the accompanying substances are commanded to get allocated a PAN card:

Any person who has or is at risk to pay an assessment to the Income Tax Department.

Any individual doing a business or any expert practice which brings to him a yearly turnover of more than Rs 5 lakh or really during any of the long stretches of appraisal.

Any sorts of beneficent associations, trusts, and affiliations.

According to the Income charge act or some other common law, any merchants and exporters at risk to pay any type of assessment.

The installment can be paid utilizing net banking, portable financial utilizing charge or Visa or by essentially drawing an interest draft towards NSDL – PAN, Mumbai.

Supporting Documents Required according to administer 114(4) of Income Tax Rules, 1962:

To apply for another PAN Card:

For Indian residents (people):

Personality Proof – Photocopy of any of the Government-gave character records like Aadhaar Card, Voter ID, Arm's permit, Pensioner card with the person's photo.

Address Proof – Photocopy of any of the followng: Electricity charges, Landline bills, Broadband bills, Passport, Driving License, Matriculation Certificate, Aadhaar card, Domicile Certificate gave by the Government.

Date of Birth Proof – Photocopy of any of the accompanying records: Birth Certificate gave by the Municipality or any approved position, Matriculation Certificate, Passport, Driving License.

Aadhar Card Copy (If referenced as a proof report)

For Non-Indian Citizens (people):

Personality Proof – Photocopy of the Passport, PIO, OCI Cards gave by the Government of India, other public or citizenship Identification Number properly validated by the 'Apostille' or Indian Embassy or High Court or even the Consulate where the candidate is arranged.

Address Proof – Photocopy of the Passport, PIO, OCI card gave by the Indian Government, NRE financial balance proclamation in India, Registration declaration gave by the FRO, VISA without a doubt, arrangement letter from any Indian organization, ledger articulation of the candidate's private country.

In the event of alterations/revisions:

Dish Card duplicate or a distribution letter

Evidence of the change that has been mentioned – model, the difference in name, change of father's/spouse's name, change of date of birth, and so on

Significant Points to consider while filling the structure:

There are important variables to be mulled over while filling the structure; in any case, the solicitation can be ended by the specialists:

No Abbreviations ought to be utilized in the name (aside from center name)

No prefixes ought to be utilized like Shri, Dr, Col, and so on

In the event of an application for an extraordinary case who is a minor or a mentally powerless individual, RA subtleties – Representative Assessee ought to be joined

Confirmation of Identity, address, and date of birth should convey precisely the same subtleties as indicated in the application structure with no variety.

Steps to apply for a PAN Card Online – utilizing TIN – NSDL:

A PAN card can be applied in two different ways, the helpful and mainstream online technique, and the substitute route for those distant to the web, the disconnected strategy.

We in the following, not many advances will examine the interaction of online utilization of PAN cards.

Stage 1 – Visit the authority site of NSDL – http://www.pancardcanada.com/, and the individual should go to the administration's segment

Stage 2–Fill in the important subtleties on the structure as asked keeping the manual human test code as asked and other pertinent subtleties. At that point click on Submit

Stage 3–The Next Page will request significant data that ought to be kept convenient prior to filling the structure:

Pertinent Documents to apply for a PAN Card (as examined above) utilizing e-KYC or virtual endorsements.

Enter insights about contact subtleties, address, and type of revenue of the candidate

Imperative insights regarding the Assessing Officer (AO) to comprehend the duty ward the candidate meets all requirements for (information found on the actual site)

Transfer character advertisement KYC archives, photo, mark, and snap-on Submit.

Stage 4 – The necessary installment should be paid, and the versatile number should be checked to utilize an OTP.

Stage 5 – A receipt will be given, which conveys the 15-digit affirmation number (which should be noted). The equivalent ought to be presented on the NSDL office by means of post/messenger subsequent to marking it.

How to follow PAN Card Application Status?

The 15-digit affirmation ought to be appropriately noted down as this will help the candidate in following the status of the PAN card through:

The PAN deals with the monetary statuses as well as fills in as a character verification holding the exceptionally summed up and fundamental data like:

Name of the cardholder

Name of the cardholder's dad

Date of birth

Dish number (extraordinary 10-digit alphanumeric mechanized code)

Mark of the cardholder

Photo of the cardholder.

Pan Card is an essential archive that is considered responsible for practically the entirety of the exchanges made by a person. It is required for the citizens to approach a PAN card. By and large like TDS and other assessment-related situations, anybody difficult to reach to a PAN card needs to pay higher rates and pass up the different focal points offered by the association. It additionally falls under the obligation of all dependable residents to have straightforward exchanges and help the public authority from charge fakes.

also read:- apply for pan card Joliet

[shelawmsluderym09insurance-blog]

life insurance investment

life insurance investment

life insurance investment

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life insurance investment

[digitalbankingindia]

Different Types Of NRI Accounts You Can Open

The change of residential status from a resident Indian to a non-resident Indian means more than simply a change of location. Many changes happen concerning personal finance. A primary change is that an NRI cannot operate any other account than an NRI Account. There are different accounts that an NRI can open depending on the transactions done.

Let us understand which types of NRI Savings Account you can consider:

Non-Resident External Account

An NRE Account is an Indian rupee account wherein the money can be remitted from a foreign Bank Account. NRE Accounts can be either Savings or Current Accounts. It is also possible to open a Fixed Deposit with the funds in the account. These accounts earn interest; however, no tax needs to be paid on them. The funds in an NRE Account can freely be transferred to the Non-Resident Ordinary Account.

This account has no restrictions on repatriation. Funds in an NRE can be freely transferred abroad. You can open NRI Account Online jointly with another non-resident. You cannot open them with a resident Indian. It is possible to use the funds in this account for investments in India in Shares, Mutual Funds, Fixed Income Products, etc.

Non-Resident Ordinary Account

This account is used to secure all money earned by foreign residents in India, for example, rental income, dividend income, and interest income. The incomes earned here are taxable, which means the NRI should pay taxes on them since they are earned in India. Interest earned on the NRO Account balance incurs a 30% tax with a 3% surcharge.

However, the NRIs can take advantage of the double taxation avoidance agreement between India and a foreign country and pay lower taxes. It is possible to open an FD with the funds in the account. However, there is an essential distinguishing factor between NRE and NRO Accounts. The funds in an NRE can be repatriated to a foreign country anytime.

The funds in an NRO should remain in India and cannot be repatriated. You can open an NRO jointly with a resident Indian.

Foreign Currency Non-Resident Account

This is a foreign currency NRI Account meant to earn interest income in India for NRIs. There are two types here:

FCNR account

Resident Foreign Currency (RFC) account

These accounts are generally held in six major foreign currencies: US Dollar, British Pound, Japanese Yen, Euro, Australian Dollar, and Canadian Dollar. These accounts work like FDs. The funds can be fully repatriated and interest to a foreign country on maturity. The funds can also be transferred to NRE Account.

However, an NRE is an Indian Rupee Account, meaning the foreign currency gets converted into Indian Rupees before getting credited to the NRE account.

[jamieshotstuff]

iMobile banking by ICICI

  iMobile Pay by ICICI Bank 

iMobile is ICICI Bank’s official mobile banking application.    iMobile, the most comprehensive and secure Mobile Banking application, getting payments done through Unified Payment Interface (UPI), offers over 170 banking services on your mobile.    The features of the new iMobile are: https://bit.ly/3PzqZ3A 

  Pay and collect money from anyone instantly using Unified Payment Interface (UPI Payments). UPI ID is your virtual identity for UPI payments. Use your UPI PIN to do all UPI transactions.  View and transact from all your accounts including Loans, PPF, iWish, Insurance, Cards, Deposits and ICICI FASTag  Check your bank balance, view & email detailed statement and view passbook on your mobile.

https://bit.ly/3PzqZ3A 

  Manage ICICI Bank FASTag – Purchase FASTag, view FASTag balance, recharge FASTag, view FASTag statement, manage multiple FASTag accounts, link/de-link FASTag and much more  Transfer funds to an account or to contact no or email id  Send cash through ICICI Bank’s Cardless Cash facility  Transact superfast using Favourite feature. By tagging a transaction as favorite, you can quickly access and complete your transactions like mobile recharge or fund transfer  Connect directly to ICICI Bank Phone Banking Officer from your mobile phone application  Track your deliverables  Open FD – Open FDs, RDs or iWish deposits  Get personalized offers on your mobile  Access and manage Life Insurance policies  Service At Your Convenience: Avail banking services from the comfort of your home. You can locate an ATM, stop or check status of your cheque, order a cheque book, track your service requests and more.    Now you can also view the following details on your Smart watch by using iWear - ICICI Bank's Android Wear Banking application:  • Information about your Bank and Credit Card accounts  • Balance details and last 3 transactions    iWear is a companion app that works only when user has downloaded Android Wear to their mobile devices.  For more info... 

[ezybizadviser]

NRI TAX RETURN FILING – TREATMENT OF INTEREST ON NRE DEPOSIT

NRI TAX RETURN

 Every year, millions of NRIs file their Income Tax Return in India. One of the important factors to be considered at the time of NRI tax return filing is their residential status. As a general rule, only income earned in India or accrues or arise in India is taxable in case of NRIs and income earned outside India is not taxable.

In this write up, we would be analyzing the treatment of interest earned on NRE accounts at the time of NRI Tax return filing in India.

Some of the incomes of the NRI which are taxable in India are as under:

a)      Interest on savings account

b)      Interest on Fixed deposits

c)       Rental income earned in India

d)      Gain on sale of immovable properties

e)      Gain on sale of shares and mutual funds in India

When a person becomes NRI, his savings account in India is converted into NRO account either by himself or by banker. This account is maintained only in Indian Rupees.

Only person resident outside India can open NRO, NRE and FCNR account.

NRE accounts are also maintained in Indian Rupees in India. This account is opened by NRI for transferring his money earned in foreign country. Advantage is that any interest earned on NRE account is exempt from tax.

From NRO account, maximum amount which can be transferred outside India during a particular year is USD 1 million. Whereas there is no limit in sending money from NRE account abroad. When any amount is send from NRO account to outside India, tax @30% is charged.

Since both NRO and NRE accounts are maintained in Indian Rupees, in case any NRI want to keep money in Indian bank account in foreign currency, they may open FCNR account. FCNR account can be held till maturity. After maturity of FCNR account, either considers it as ordinary account or RFC account in foreign currency.

 What happens to Interest on NRE account when NRI comes back to India?

As per FEMA laws, once NRI have lost their NRI status, they need to close their NRO and NRE accounts in India, whereas FCNR accounts can be held till maturity.

Interest on NRE FDR are exempt from tax as per FEMA laws only for person resident outside India

When NRI comes back, they have to immediately close their NRE and NRO accounts.

What happens to NRE FDRs?

In case NRI has booked NRE FDRs for say 9 years, and when he becomes Resident, 4 years have passed, now, such NRE FDs will be considered as normal Resident FDRs and would become taxable as per FEMA laws.

Here, question arises that why NRI should continue FD in NRE account? Well the advantage of continuing with FDs is that interest rates at which FDs was booked at the time of start will continue to be given till maturity.

Interest earned on NRE FDs till last 4 years would be exempt from tax. However, interest earned from 5th year onwards would be taxable every year. NRI needs to ask for interest certificate from banker and need to pay taxes on interest earned in any particular year.

At the time of maturity, not the entire interest till maturity becomes taxable. In fact, in case of FDRs, interest is taxable on accrual basis on year on year basis.

Therefore, interest would be taxable only from that year in which you becomes resident and not during last 4 years when He was Non Resident.

It may be noted that during the period of RNOR, any income earned overseas is exempted for period of 2 years, however, as per FEMA rules as mentioned above, once an NRI becomes Resident, his NRE FD account is treated as Resident FD account and accordingly, any interest earned in such account would be taxable in India. Therefore, RNOR status will not give any immunity to taxability of NRE FDs once they are recategorized into Resident FDs.

It is not responsibility of bankers to close NRE FD, NRIs have to inform the banker about his status and close the NRE FD or continue it as Resident FDs as doing otherwise, would lead to huge penalty in FEMA also.

Thus, taxability of interest on NRE deposit is an important concept which shall be taken into consideration at the time of NRI Tax return filing in India.

[sharads007]

Equitas small finance bank allows consumers to open a digital savings account

Equitas Small Finance Bank provides a variety of savings accounts that allow consumers to transfer money, keep it secure, and withdraw it anytime with interest earned on the deposit. It offers a savings account catered to the demands of other customer groups and responds to their demands.

Due to the continuing pandemic scenario, Equitas Small Finance Bank has introduced Selfe Savings Account, a zero balance digital savings account that anyone can open using valid documents required with no physical interaction or bank visits.

Benefits of Digital Selfe Savings Account

Selfe Saving is an Equitas quick savings account that can be created by registering the PAN, Aadhaar, and other basic data via a web-based video. Following are some of its benefits:

1. There is no minimum average balance:

Customers who open a regular savings account must have a specified monthly minimum average amount in the account. But customers with zero balance accounts are not required to maintain a minimum balance.

2. Open account in a few minutes:

There is no need to wait for 2-3 days for your bank account to be opened. In only 4-5 minutes, Equitas Selfe Savings Account can be open and digital banking can be done instantly. Before you apply for opening an account, make sure you have your PAN card number, Aadhaar card number, and Aadhaar-registered mobile number ready with you.

3. Open a joint account:

Most digital savings accounts may only be opened by individuals as a single entity. Selfe savings accounts allow you to create an account both as a single as well as a joint account.

4. Virtual debit card:

A free virtual debit card will be received by the customer after successful completion of the online account opening procedure, which they may use to conduct online payments and pay online bills. After you have completed the entire KYC procedure, you will be able to obtain a physical debit card.

5. Virtual payment address:

Account users also receive a virtual payment address, which they may use to send money from their previous savings account to their new digital account.

What are the Eligibility criteria to open a Digital Selfe Account?

1. To open the account, you must have a PAN and Aadhaar card.

2. Customers should be at least 18 years old or more.

3. Individuals who are Indian residents can only open a selfie account.

What is the procedure to open a Digital Selfe Savings Account?

Following are some steps that need to be done to open an account:

1. In the first step, choose your state, locality, and bank branch from the drop-down menus. If your state is not listed, it indicates that Bank does not have services in your area and you will not be able to open digital savings account online.

2. Second, enter your name and the mobile number linked with your Aadhaar card. Approval of the terms and conditions is required. Get an Aadhaar OTP and type the OTP that will be delivered to your linked mobile number.

3. Third, information such as your name, date of birth, and father's name will be retrieved from the UIDAI database. Verify your PAN information and, if everything is right, click ‘Ok.'

4. In the fourth step, you must provide your personal information. Include your email address and primary branch. Enter your mother's name and email address on the following screen. Fill up the blanks with your marital status, employment, and annual income.

5. Now You can open a single or joint account at this phase. After selecting an account, a Customer ID will be sent to you and other essential information to your mobile number and email address.

6. Further, enter your nominee's information and the OTP sent through SMS. Now the debit card page will open, allowing you to enter the name you wish to see on your virtual debit card.

7. In the last step after completing the online account opening process, enable the mobile banking app and enjoy banking immediately.

What are the FD Interest Rates offered by the bank?

Equitas Small Finance Bank provides financial services. The small financing bank provides fixed deposit interest rates ranging from 3.60 percent p.a. to 6.65 percent p.a. for terms ranging from 7-10 years.

The bank's maximum interest rate for domestic fixed deposits for the general public is 6.80 percent p.a. for terms ranging from 2 to 3 years. NRI fixed deposit rates range from 3.60 percent per annum to 6.65 percent per annum for terms ranging from one year to ten years.