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LPG सिलिंडर ब्लास्ट पर मिलता है 6 लाख का फ्री इंश्योरेंस, घर डैमेज से लेकर इलाज तक का खर्च
LPG सिलिंडर ब्लास्ट पर मिलता है 6 लाख का फ्री इंश्योरेंस, घर डैमेज से लेकर इलाज तक का खर्च
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LPG insurance policy: एलपीजी गैस सिलिंडर ब्लास्ट की घटना रोजाना होती रहती है। क्या आपको पता है कि अगर गैस सिलिंडर ब्लास्ट की घटना है तो विक्टिम को अलग-अलग तरह का इंश्योरेंस कवर मिलता है? अगर आपको इसकी जानकारी नहीं है तो इंश्योरेंस संबंधी सभी बातों को समझना जरूरी है।
नवभारतटाइम्स.कॉम | Updated: 11 Jul 2020, 07:52:23 PM IST
Web Title lpg insurance policy covers 6 lakhs for death, 30 lakhs…
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#lpg insurance me kya cover hota hai#lpg insurance policy#lpg insurance policy benefits#lpg insurance premium#what is lpg insurance#एलपीजी इंश्योरेंस पॉलिसी फीचर्स
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8 Aadhar Card Benefits and Advantages in Regular Life that You Don’t Known
DIRECT BENEFITS TRANSFER OF LPG
One of the primary benefits of Aadhar Card/ Aadhar number is Direct Benefit Transfer. The LPG scheme is to transfer the subsidy on LPG directly to one’s Aadhar Enabled Bank Account. (To get this Advantage of LPG Subsidy You have to Link your Aadhar Card to your Bank Account. It’s very Easy You can Do it If you are Using Netbanking) This scheme of crediting the LPG subsidies directly to bank accounts was started to Prevent Corruption in GAS Cylinders.
DIFFERENT PENSION SCHEMES
Aadhar Number enables an Indian Citizen to open an account with the National Pension System. It’s the Only Requirement is an internet connection and an Aadhaar Number or You can also Use Permanent Account Number (PAN) card. This facility is now available for NRIs too. The Central government has already made Aadhaar card compulsory for all Central government pensioners thus encouraging them to seed their bank accounts with Aadhaar card numbers is essential to get the Benefits of Pension Schemes.
MUTUAL FUNDS
In this Benefits of Aadhar Investors can use an Aadhaar based e KYC (know-your-customer) for investment in mutual funds. The investor is just required to add their Aadhaar number and registered mobile number with the one-time password (OTP) for Aadhaar authentication. Soon, he or she is required to upload a self-attested copy of e-Aadhaar. after verification with UIDAI database, the investor is e-KYC verified and can easily carry out any transactions in mutual funds. So, This is One of the Great Feature and Benefit of aadhar Card.
NOTE:- MUTUAL FUNDS ARE SUBJECTED TO MARKET RISK. REAL ALL RELATED DOCUMENTS BEFORE PROCEEDING FURTHUR.
Provident Fund Scheme
In this Benefit Provident fund money of a Person will directly transfer to the account holder who’ve registered their Aadhaar number with employee provident fund Organization (EPFO).
Opening a new bank account
Nowadays Aadhar Number is Considers as Valid ID Proof as well as Address Proof. It also Helpful to Opening New Bank Account Not only in SBI but Many Banks like ICICI, AXIA, HDFS, PNB etc.
Jan Dhan Yojna of Government
Jan Dhan Yojna is New Policy Based Scheme of Modi Government. You can get More Knowledge of Jan Dhan Yojna HERE. The Jan Dhan Yojna accepts your Aadhaar Card Number as the only document for the opening of a bank account. The scheme is said to offer considerable help to people in remote and rural areas. (More About JDY – It’s Very Essential to Take advantage of this Scheme because it will Give you Insurance in Very Less Monthly Amount. So, fill up JDY’s Form ASAP)
Digital Life Certificate
Digital Life certificate is also Called as the Jeevan Praman for Pensioners. It was initiated by honorable PM of INDIA Mr. Narendra Modi. The aim of this Scheme was to abolish the need for the pensioner to be physically present in order to receive the pension for the continuation of their scheme.
DigiLocker
DigiLocker is a ‘Digital Locker’ service by the Indian Government. This is a New Idea to provide all Indian citizens, personal electronic space for storing their documents. I DigiLocker You will Get 16 GB storage system linked with the Aadhar Number of the user. Now, the benefits of Digilocker itself are many such as one can store all important documents in it (PAN Cards, Voter Id Cards all Educational Documents etc.).
So these all are the Benefits and Advantage of Having Aadhar Card. If you Still don’t have one just Fill up Aadhar Form and Get your Aadhar Card ASAP.
If you know More Aadhar Benefits or Advantages let us know by Commenting in Comment Section and We will add your Suggestions in this Article.
If You have any Questions Regarding Aadhar Card Just Comment Down Below and You get the Complete Solution within Limited Time.
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Benefits An Insurance Plan Brings To A Senior Citizen
Payrup is one of the most trusted health insurance partner solutions for all your senior citizen health insurances and senior citizen life insurances.
Getting back to where we paused last time regarding senior citizen health insurance, today we take forward this topic and understand what all are the beneficial includes of this plan for senior citizens when they buy such medical insurance plans.
Senior citizen health insurance plan inclusions
Various benefits are covered under a senior citizen health insurance plan. Let’s take a look at it:
Big hospital expenses cover
Hospital-related costs such as room stay, ICU charges, nursing, doctor’s fees, medicines, surgeons and surgeries, consultants, and specialists are all covered under a senior citizen health insurance policy. Covering all these expenses is a major plus point for seniors who do not have to worry about any financials before any such practices because their senior citizen health insurance will help them take care of major parts under the policy.
Daycare treatments in hospitals for the senior
Procedures like dialysis, chemotherapy, cataract, etc do not require full-day hospitalization but for a few hours and maybe even less than a normal 24-hours room stay. Having a senior citizen life insurance can help them plan their medical insurance for senior citizens under their policy
Other Medical Expenses
Other procedures related to age and processes that are not very long are also covered in these policies. When we refer, we refer to processes like dialysis, radiotherapy, chemotherapy, orthopedic implants, vascular stents, pacemaker, etc
Pre-hospitalization and Post-hospitalization costs
Choosing the best health insurance for senior citizens helps them avail benefits such as the pre and post-hospitalization expenses incurred for a specific number of days are covered under the insurance policy for senior citizens
Pre-existing diseases
As per the terms and conditions of an insurance policy, pre-existing illnesses are covered under the policy when you choose the right one.
Domiciliary Hospitalization (if suggested by the doctor)
In case a senior citizen’s doctor suggests to the patient any home treatment then the medical insurance policy covers such domiciliary hospitalization expenses too
Choosing the right insurance cover is very important because the right benefits help you avail yourself at the time of necessity. Choose Payrup to choose right and choose wisely.
Final Thoughts…
Popular bill payment facilities are available on Payrup!
Payrup has a host of facilities that can all be paid online using our platform.
Choose to make payments for mobile prepaid, mobile postpaid, dth, electricity, landline bills, piped gas, broadband bills, water bills, e-gift cards purchases, cable tv bills, credit card bills, health insurance purchase, housing society payments, life insurance premium purchases, loan repayments, hospital payments, subscriptions, education fees, fastag payments, LPG gas bills, municipal services, and municipal taxes’ payments Payrup has it all covered for our users under one roof.
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*PART 1:*
Important points of *Budget* 2021-2022 presented by *FM Nirmala Sitharaman:*
1. Budget in unprecedented times.
2. Announcements made earlier were like 5 mini budgets themselves.
3. Today, India has 2 vaccines & is not only comforting citizens of her own country, but those of neighbouring nations too. It has added comfort to know that 2 ore more vaccines are also expected soon.
4. Modi govt prepared to facilitate a reset of the economy. 2021 is the year of "milestones."
5. Total impact of Atmanirbhar Bharat and measures by RBI was Rs 27.1 lakh crore, which amounts to 30 per cent of GDP.
6. Main pillars of Budget 2021: Health, Human capital, Innovation and R&D, Physical infrastructure.
7. Govt to launch Mission Poshan 2.0; Jal Jeevan Mission Urban.
8. The Urban Swachh Bharat scheme will be implemented with an outlay of over Rs 1.4 lakh crore.
9. A new centrally funded scheme, PM Swasthya Yojana, with an outlay of Rs 64,180 cr will be launched in addition to the existing schemes to develop primary, secondary and tertiary healthcare. FY22 outlay (budget estimate) for health and well-being is up 138%, at Rs 2,23,846 cr. Of this, 35,000 crore will be spent on Covid-19 vaccine. Govt committed to spending more if needed.
10. Voluntary scrapping policy for vehicles announced. Fitness test after 20 years for personal vehicles; after 15 years for commercial vehicles.
*PART 2:*
Imp points of *Budget* 2021-2022 presented by *FM Nirmala Sitharaman:*
11. 217 projects worth over Rs 1 lakh crore completed under National Infrastructure Pipeline.
12. Professionally managed Development Financial Institution with Rs 27,000 crore capital.
13. Seven textile parks to come up in 3 years.
14. Rs 95,000 crore for roads development in Bengal.
15. Aim to complete 11,000 km of national highway infrastructure this year.
16. PLI scheme with outlay of Rs 1.97 lakh crore for 5 years starting this fiscal.
17. FM proposes sharp increase in capital expenditure for next fiscal at Rs 5.54 lakh cr, up from Rs 4.39 lakh cr of last year.
18. Rs 1.10 lakh crore outlay for railways, of which Rs 1.7 lakh crore is for capital expenditure. Railway to monetise dedicated freight corridors.
19. Centre to provide Rs 18,000 crore for public buses.
20. Pipelines of GAIL (India) Ltd, Indian Oil Corp, HPCL will be monetised.
21. Govt to provide Rs 2 lakh cr to states and autonomous bodies to meet capital expenditure.
22. Central fiscal funding for Kochi Metro, Chennai Metro, Bengaluru Metro, Nagpur Metro and Nashik Metro projects.
23. Rs 3.05 lakh crore outlay for power sector. Govt proposing to create a framework to give consumers alternatives to choose from more than one power distribution company.
*PART 3:*
Imp points of *Budget* 2021-2022 presented by *FM Nirmala Sitharaman:*
24. Gas pipeline project to be taken up in J&K.
25. 65,000 cr for road, highway projects in Kerala, Rs 3,400 cr for Assam.
26. 100 pc electrification of broad gauge rail tracks by December 2023.
27. Rs 18,000 cr scheme to augment public transport in urban areas.
28. FM announces Bad Bank. Govt will set up an Asset Reconstruction and Management Company for Stressed Assets to take over bad loans. Alongside, a Rs 20,000 crore equity infusion has been announced for public sector banks.
29. FDI in insurance sector proposed to be hiked to 74% from 49%. IPO for LIC this year.
30. Govt proposes investor charter across financial products.
31. Govt committed to welfare of farmers. MSP has gone through a sea change. Over Rs 75,000 crore paid to wheat farmers in 2020-21, 43.36 lakh benefited from this.
32. Definition of small companies to be revised by raising capital base to Rs 2 cr from current limit of Rs 50 lakh. NCLT framework to be strengthened.
*PART 4:*
Imp points of *Budget* 2021-2022 presented by *FM Nirmala Sitharaman:*
33. Propose increase in agriculture credit target to Rs 16.5 lakh crore.
34. Free cooking gas LPG scheme Ujjwala to be extended to 1 cr more beneficiaries.
35. MSP regime has undergone a change to assure price that is at least 1.5 times the cost of production across all commodities.
36. Disinvestment target for FY2022 at Rs 1.75 lakh cr.
37. Two PSBs and one general insurance company to be divested. Barring four strategic areas, PSUs in other sectors will be divested.
38. Allocation to rural infra development increased to Rs 40,000 cr in next fiscal from Rs 30,000 crore in FY21.
39. Fiscal deficit estimated at 9.5% of GDP for 2020-21. Fiscal deficit for 2021-22 at 6.8% of GDP.
40. Forthcoming Census India's first digital Census. 3768 crore allocated.
41. Social security benefit to be extended to platform and gig workers. Govt proposes portal to collect info on gig-workers, building and construction workers, among others.
42. Central university to be set up in Leh.
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Pennsylvania Insurance Continuing Education Requirements
Pennsylvania Insurance Continuing Education Requirements PresPreschool Preschool Preschool (PAEP) Any New Jersey residents, including non-citizens who are not residents of any other state (unless their national address is a non-servicier state), must still fulfill some basic educational responsibilities. The Pre-Owned Parent, or Principal, must complete the LifeGuard and Maintenance Maintenance and Protection (LPG) course in order to be reinstated. For more information on pre-licensing, please contact the Consumer Assistance Program at 1-800-566-9941 or . How long can I keep an insurance policy? Any person or entity resident in the state of New Hampshire may maintain an insurance policy in force as long as the person is in the act of financial responsibility for the operation and maintenance of the policy. However, if two or more parents are living outside of the state to study abroad or are affiliated with a university, that person’s resident state will be the status. .
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Everything You Need To Know About The KYC
Since the government mandated the AAD HAR card, the word KYC (Know Your Customer) quickly became one of the most commonly used words.
The KYC process has become an important part of acquiring important services these days, such as acquiring gas and LPG lines and purchasing insurance policies.
What is KYC?
The main purpose of implementing the KYC is to verify the identity of the customer and further investigate the possibility of illegal fraud.
Another reason that almost every major company or organization implements the KYC is to ensure that distributors, consultants and agents are not bribed and involved in illegal activities.
That is, you guarantee that the information provided is genuine and genuine.
What are the benefits of KYC?
There are many reactions to the KYC verification, but there are undeniable advantages. The benefits are:
This makes all monetary transactions legal and transparent.
He is responsible for fighting all kinds of criminal activity, including money laundering, bribery, fraud and black money.
Work transparency helps avoid discrepancies, reputation, tax and legal issues.
It works to prevent scammers and scammers from stealing money.
One of the greatest advantages of KYC is the ability to establish customer trust.
The KYC is also good news for investors and their assets. Rest assured that if you exit the KYC, no one but yourself can access and misuse your assets. Due to concerns, the authorities already have all the details needed. It can be difficult to contact them through illegal means.
What is the KYC process?
To facilitate the KYC process, you need to submit some documents such as:
PAN card / voter ID / passport / AADHAR / driver's license and other identification documents
Confirmation of address
Your recent photo that your face must be clearly identifiable
Proof of date of birth
Sending all these documents to their respective organization or company will validate everything. Once everything is confirmed, you will be notified that the KYC is complete.
The exact KYC method depends on your organization. For example, a bank may need to submit an Affidavit signed by the bank's account holder.
This may not be the case if you purchase a SIM card with sufficient ID.
To determine the exact nature of the relevant KYC procedure, check the latest bank notice or notice from the organization in question.
Why is the KYC process so important?
The KYC has become an important component, especially with respect to the organizational function of banks.
The main reason why the KYC is important is to prevent banks from being abused intentionally or intentionally and to actively function to accumulate black money or other forms of money laundering activity.
It also helps banks manage risk efficiently by better understanding and understanding their customers.
KYC has played a very important role these days, so you need to complete this procedure when applying for a government job at a bank.
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All you need to know about Terminated Employees (Welfare) Bill, 2020
This article is written by Harshit Bhimrajka currently pursuing B.A.LLB (Hons) from the Rajiv Gandhi National University of Law, Patiala. This is an exhaustive article which talks about the objective, key provisions, and some flaws in the Terminated Employees (Welfare) Bill, 2020.
Introduction
After the 1991 LPG policy, India allowed private companies in its economy and The role of the public sector has become limited to some areas only. Since then the private sector has escalated substantially and the public sector is plummeting. The concern to the private sector employee has also started gaining prominence as there is no security of a job and post-employment benefits as present in the public sector. They can suddenly be asked to leave the job due to several reasons which might not be attributed to their performance or any wrongdoings on their part. Such reasons may be an economic slowdown, some regulatory issues that halt running of a business, failure of a business, etc. If we took real-life examples then various businesses such as telecom sectors like Aircel, Docomo, etc and airlines like in India have seen shut down which led to the loss of thousands of jobs. Most people are not prepared for an abrupt break in their careers, any decision to halt the business considering various issues can be detrimental to the employees. Though some companies work out severance packages in cases of any abrupt termination, it is limited to a notice period of 1-3 months, and the time taken to job may take a bit longer. Understanding the plight, Mr. Rakesh Sinha, Member of the Parliament introduced a private member bill i.e. Terminated Employees (Welfare) Bill, 2020. In this article, we will see the highlights of the bill introduced in February 2020.
Terminated employee welfare bill 2020
Objective
The Terminated Employee Welfare Bill, 2020 introduced in the parliament in February 2020. The main objective and reasons as stated by Bharatiya Janata Party MP Mr. Rakesh Sinha was that the bill was proposed because presently there is no law to ensure the security of the employees and to ensure that the employers should provide terminal benefits and provisions such as medical facilities, educational benefits, etc. to the employees and their families who have been terminated. Its aim was to provide a minimum of nine months’ salary to the employees in case of termination due to employer filing of bankruptcy, economic slowdown, change in technology among others, or court order.
It also states that the employee terminated shall be entitled to unemployment compensation, health insurance benefits or any other benefits as may be prescribed by the Central Government, only if such benefits are not part of the contract between the employee and employer. He shall be entitled to these benefits for nine months or till the time he gets employed somewhere else, whichever is earlier.
Bharatiya Janata Party MP Mr. Rakesh Sinha said that there is no law to ensure that the employees and their families are being provided with facilities like education, medical facilities, etc. So, the bill introduced seeks to achieve this objective so that employers provide their employees with terminal benefits. After termination, a person often takes a loan to fulfil the needs of his family, like an educational loan. The bill seeks to ensure that the family of the employee should not suffer because of such an event and therefore the bill provides an assured income for nine months to the terminated employees so that they can get enough time to reassign themselves to a new job without disturbing the existing set of the structure of their family.
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Main provisions
The key or the main provisions of the Bill have been divided into the following points to get a clear view and for the effortless understanding of the concept:
The preliminary step to understand the provisions of the bill is to understand the meaning of employer and employee so that it makes clear who is considered as an employee or employer.
According to the bill, the employer includes the director or owner of any private organization or establishment where ten or more than ten persons are employed. It has excluded all the organizations or undertaking owned, funded, or controlled by the Central or the State Governments from the definition of the employer.
The meaning of the terminated employee as per the Bill is that any employee whether on a regular or temporary basis or on the contract or on a casual basis, whose services have been terminated by the employer comes under the purview of the term “terminated employee”. This definition’s scope is very wide as it includes all the employees in a supervisory or managerial category unlike Labour Laws and Statues in the country.
One of the main provisions is the applicability and benefits to the employees. The employee whose employment is dismissed or terminated by the employer because of the winding-up of the establishment or organization due to change in technology, or the change in the policies of the government, or the orders of the court, or incurring losses and unable to carry on the business, or insolvency or bankruptcy: The owner or director managing the affairs of the establishment becoming insolvent; or economic slowdown will be entitled to the unemployment compensation, health insurance benefits, or any other as prescribed by the Central Government (in addition to PF, leave encashment, gratuity, etc).
The bill does not apply to the employees whose employers have terminated them due to cheating, indulging in fraudulent means and misappropriation of money, proved misconduct, or declared guilty by a criminal court.
The severance package vis-a-vis unemployment package is another one of the key provisions. It is stated in the bill that the employer has to pay unemployment compensation which should not be less than 60% of the gross salary or as provided in the contract between the employee and the employer (if any) whichever is higher. It also states that the unemployment compensation will be dispensed if the employer provides a severance package to the employees and it is higher than that of unemployment compensation. The only legislation which provides a severance package is the Industrial Disputes Act, 1947. It only applies to workmen as defined under the act as who completed one year of continuous service.
The other provision mentioned in the bill is that of duration. A terminated employee is only entitled to the benefits given under the bill if such is not the part of the contract between the employee and the employer and such benefits are available to him/her for the period of nine months or till the time he/she gets other jobs, whichever is earlier.
Another unique and special provision listed in the bill is the creation of the corpus fund. It made an obligation on the employer to separate five per cent of the net profits of his/her organization named corpus fund. It is also mentioned in the bill that the employer may solicit a contribution from any trust or individual or organization for the maintenance of the corpus fund. Such corpus can only be used for the welfare of the terminated employees, it can also be utilized for the expenditure on the education of the children of the terminated employees, and medical facilities. This is an entirely unique and new concept that is not envisaged by any other law.
The last but not the least key provision is related to interest. The employer who terminated the employee is duty-bound and legally bound to provide unemployment benefits from the month of termination or the completion of the notice period (if provided), whichever is earlier. If the employer fails to provide the terminated employee the benefits then he is liable to pay interest at the rate of twelve per cent per month for such delay.
Critical Appraisal
The bill is biased towards the employees which make the Bill unfeasible although it is intended to eliminate the post-employment hardships, there are many practical issues, such as:
Huge burden on the employers- The Bill imposes financial obligations on the owners or directors of the organizations as compared to their current implications. The bill provides sixty per cent of the gross salary for nine months to the terminated employees or till the employees get another job without any clause of employee’s tenure taken into consideration. It made it compulsory for the organizations to set aside five per cent of the net profits as a corpus fund, without considering the level of competitiveness in India. The bill has a flaw that if a severance package is lower than that of unemployment compensation then the employee can claim both under the current structure of the bill.
The ambiguity of certain provisions: It is not clear by the bill that when a situation of loss arises in the organization, then how the employee is able to compensate the employees or contribute to the corpus fund. Section 3(1) of the Terminated Employees (Welfare) Bill states that the owner or the employer is bound to compensate the employee of his company even in the situations where winding up of the company is happening because of some inevitable reasons like economic slowdown or change in technology or change in the government policy. It also said that a special provision must be made for the companies which are incurring continuous losses or whose profits have been hampered because of inevitable reasons. The bill will be triggered at the time of winding up and it failed to define the term winding, which leaves for various interpretations. It may be understood that it will only be triggered when the organizations will permanently shut down but what if the firm terminates because of redundancies. Cases of redundancy means the situation where the employer no longer needs the specific work which his employee was working on or when the company has changed the location of its production process as a result of which it does not require services of its employees. It states that the employee will be terminated because of reasons like “proven misconduct” and will not be able to seek any compensation. The proven misconduct mostly is determined by the company’s internal committee hearing, but the nature and transparency of the hearing are always questionable.
No provision for punishment: The bill provides enough relaxations to the employees but it fails to provide any liability either civil or criminal to the employer if he doesn’t comply with the provisions of the said bill. In the absence of such a provision, the bill will be ineffective legislation.
Conclusion
The Terminated Employees (Welfare) Bill, 2020 undoubtedly highlights the lacunas in the existing regime concerning the cessation of the employees working in the private sector organizations and where the benefits like unemployment compensation or severance package are absent. The enforcement of the said bill is highly unfeasible due to the number of practical problems in it. The bill is a private member bill and the chances of being passed in both the houses are very unlikely. As a report published in 2015, the 13th Lok sabha discussed only five per cent of the private bills, the 14th Lok Sabha discussed only three per cent while the 16th Lok Sabha discussed barely 2.85% of the private bills. As it is a private bill it has an expectancy of 6 years to be discussed before it gets lapsed. This is not the first time such an employee-friendly bill is presented in the parliament. In 2018, NCP MP Supriya Sule tabled the much-hyped “Right to Disconnect Bill”. It permits employees to skip work-related calls and messages after the working hour of their job without any fine, penalty, or deduction in the salary. It is also against the government’s intention to improve ease of doing business ranking as it is anti-industry and can be said as counterproductive to some of the Government’s schemes and initiatives. The clarity on some of the issues pertaining to the bill is needed before it became an Act though which is very unlikely.
“Always treat your employees exactly as you want them to treat your best customers.”
– Stephen R. Covey
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Things You Should Know About DigiLocker
A digilocker is a thoughtfully launched initiative by the Government of India that leads to paperless and digital governance. To overcome the problems related to physical documentation, the government has made provision for digital documentation and e-signing. All your official documents used as valid identity and address proof can easily be stored in a digilocker via aadhaar authentication. Now no more worries of losing your original valid documents and attesting the same by a gazetted officer as a digilocker keeps all your documents safe in electronic format. You firstly need to create a digilocker account linked with your aadhaar to upload, store and e-sign all your documents such as Aadhaar, PAN, Passport, driving license, educational certificates, marriage certificate, insurance policy, etc. These documents can also be shared through the app when required. The QR code present on the document can also be used to check the authenticity of the document. What is a DigiLocker A digital locker system that securely stores all your valid documents to minimize the ease of carrying physical documents. It is linked to a person’s aadhaar number that can securely store e-documents hence provides secure and easy access to all government-related documents anytime. A person can easily scan and upload documents like aadhaar, PAN, passport, driving license, educational certificates, marriage certificate, insurance policy, etc. to a digilocker and e-sign them instead of self-attestation. It is a cloud-based storage under the Digital India campaign that keeps all important documents in one place. How to Login/Sign Up for DigiLocker You simply need to visit the official website of digilocker.gov (https://digilocker.gov.in/)Create your new digilocker account by either entering your aadhaar number or mobile numberOnce your account has been created, you can use your username and password to login to your DigiLocker account next time. Alternatively, you can also use your Aadhaar number and OTP for login and authentication. Two Options for Authentication: OTP and Fingerprint OTP Sign Up: OTP can be used only if your mobile number is registered with UIDAI. On entering OTP and clicking on the “Validate” button, the user is taken to set the username/password page to complete the sign up. Fingerprint Sign Up: To use this option, you will have to put your thumb impression on the fingerprint device. If the fingerprint is valid, then the user is taken to set the username/password page to complete the sign up. Note: An individual can only have one digilocker account linked with the aadhaar. How to Upload Documents in Digilocker Step 1: Once the registration process is completed, you can upload documents from inside your ‘Uploaded Documents’ section Step 2: Click the upload icon to start uploading a document. In the file upload dialog box, locate the file from your local drive and select 'open' to complete the uploading. Step 3: To assign a document type to your uploaded file, click 'select doc type'. This will show a pop up with a drop-down selection of various document types. Step 4: Choose the appropriate document type and click 'save'. Step 5: You can also edit the name of the file using the edit icon next to the filename. Note: On successful upload, the document will be listed under the 'Uploaded Documents' section. How to Get Documents Issued in DigiLocker You can not only upload but also get your documents issued by the relevant government authority such as the Unique Identification Authority of India (UIDAI), Income Tax Department, CBSE, Indane, etc. via digilocker. In case you want to get your document issued, select the issuing agency and enter your details and the document will be issued and uploaded in your DigiLocker account. Which Documents to be Issued in DigiLocker Aadhaar cardPAN CardPassport Voter’s CardDriving License and RC Educational CertificatesMarriage Certificate Insurance PolicyBirth CertificateIncome CertificateDeath Certificate, etc. Additional Documents and Certificates in DigiLocker IssuerDocument(s) IssuedNew India Assurance Co. Ltd.Insurance policy documentsMinistry of Petroleum and Natural Gas(IOCL)e-Subscription Voucher for LPG connectionsBPCLe-Subscription Voucher for LPG connectionsHPCLe-Subscription Voucher for LPG connectionseDistrict Uttar PradeshBirth, income, caste certificates, etc.Greater Chennai CorporationBirth and death certificatesDepartment of Food, Public Distribution & Consumer Affairs (PDS)Jharkhand PDS CertificatesFood and Supplies DepartmentRation cards for HaryanaNIELIT, New DelhiNDLM CertificatesMinistry of Skill Development And EntrepreneurshipITI CertificatesDirectorate of Provident Fund (GPF), RanchiGPF Statement for Govt. Employees of JharkhandDepartment of Sainik Welfare, Govt. of PondicherryDependency CertificatesNational e-Governance DivisionNeGD Training Certificatese-District DelhiIncome, caste, marriage certificates, etc. How to Do Digital Signing or e-signing of Documents in Digilocker With the help of digilocker you can e-sign any document and share it with the concerned authorities through email or post. Talking about e-sign, it is similar to self-attestation, in which the individual affirms that the document produced is not a duplicate or fake. Earlier, you had to get photocopies of original documents attested by a gazetted officer to use as a valid identity or address proof. But with digilocker, things have become easy, safe or rather authentic. Currently, e-signing can be done by e-KYC services of aadhaar which are enabled through OTP or fingerprint authentication. E-sign is extremely handy for self-attestation, income tax e-filing, bank account opening, vehicle registration, driving license renewal, admission in educational institutes, etc, and so on. Features and Benefits of DigiLocker Empowers the citizens digitally.Ensures easy availability of documents online.Reduces the use of physical documents and fake documents.Offers authenticity of the e-documents.Provides secured access to documents issued by the government.Reduces administrative costs of government departments and agencies.Provides fast access to documents anytime and from anywhere.Enables easy sharing of documents across departments and agencies.Ensures complete privacy of residents’ data. Frequently Asked Questions (FAQs) Q.How can I sign up for DigiLocker? A.Signing up for DigiLocker is easy - all you need is your mobile or Aadhaar number. Your mobile/Aadhaar number will be authenticated by sending an OTP (one-time-password) followed by setting your security PIN for 2-Factor authentication. This will create your DigiLocker account. Q.I want to link Aadhaar with my DigiLocker, but my mobile number is not updated in my Aadhaar. How can I get this done? A.Firstly you need to link your mobile number with Aadhaar. And, for that you can visit any nearest Aadhaar Kendra or you can do the same online at the official website of aadhaar. gov. Once your mobile number is linked with aadhaar, you can then start uploading the same document in your digilocker by scanning your original aadhaar. Q.I have registered on DigiLocker and I want to change my username, is there any way to do so? A.Username once created in DigiLocker cannot be changed currently. Q.I have forgotten my DigiLocker username/password. What should I do? A.You do not require username to login anymore. You can type your mobile number or Aadhaar instead of username and after providing the OTP, you will be able to login to your account. Q.What are issued documents and what are uploaded documents? A.Issued documents are e-documents issued by various government agencies in electronic format directly from the original data source and the URI (link) of these documents is available in the issued documents section of DigiLocker. Whereas uploaded documents are those documents that are uploaded directly by the DigiLocker user. Q.What is the meaning of URI? A.A URI is a Uniform Resource Identifier generated by the issuer department, which is mandatory for every e-document of the DigiLocker system. This unique URI can be resolved to a full URL (Uniform Resource Locator) to access the actual document in its appropriate repository. Q.How can I upload documents to my DigiLocker account? A.You can upload the documents by logging into your account. You simply need to visit ‘Uploaded Documents’ section under account and follow a few simple steps to upload the documents Q.What type of files can be uploaded? A.File types that can be uploaded are - PDF, JPEG and PNG. Q.What is the maximum allowed storage space to upload the documents? A. You will be allotted a storage space of 1 GB linked with your Aadhaar number. Read the full article
#HowtoUploadDocumentsinDigilocker#KnowAboutDigitlcker#ThingsYouShouldKnowAboutDigiLocker#WhichDocumentstobeIssuedinDigiLocker
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BENEFITS AN INSURANCE PLAN BRINGS TO A SENIOR CITIZEN
Payrup is one of the most trusted health insurance partner solutions for all your senior citizen health insurances and senior citizen life insurances.
Getting back to where we paused last time regarding the senior citizen health insurance, today we take forward this topic and understand what all are the beneficial includes of this plan for senior citizens when they buy such medical insurance plans.
Senior citizen health insurance plan inclusions
Various benefits are covered under a senior citizen health insurance plan. Let’s take a look at it:
Big hospital expenses cover
Hospital-related costs such as room stay, ICU charges, nursing, doctor’s fees, medicines, surgeons and surgeries, consultants, and specialists are all covered under a senior citizen health insurance policy. Covering all these expenses is a major plus point for seniors who do not have to worry about any financials before any such practices because their senior citizen health insurance will help them take care of major parts under the policy.
Daycare treatments in hospitals for the senior
Procedures like dialysis, chemotherapy, cataract, etc do not require full-day hospitalization but for a few hours and maybe even less than a normal 24-hours room stay. Having a senior citizen life insurance can help them plan their medical insurance for senior citizens under their policy
Other Medical Expenses
Other procedures related to age and processes that are not very long are also covered in these policies. When we refer, we refer to processes like dialysis, radiotherapy, chemotherapy, orthopedic implants, vascular stents, pacemaker, etc
Pre-hospitalization and Post-hospitalization costs
Choosing the best health insurance for senior citizens helps them avail benefits such as the pre and post-hospitalization expenses incurred for a specific number of days are covered under the insurance policy for senior citizens
Pre-existing diseases
As per the terms and conditions of an insurance policy, pre-existing illnesses are covered under the policy when you choose the right one.
Domiciliary Hospitalization (if suggested by the doctor)
In case a senior citizen’s doctor suggests to the patient any home treatment then the medical insurance policy covers such domiciliary hospitalization expenses too
Choosing the right insurance cover is very important because the right benefits help you avail yourself at the time of necessity. Choose Payrup to choose right and choose wisely.
Final Thoughts…
Popular bill payment facilities are available on Payrup!
Payrup has a host of facilities that can all be paid online using our platform.
Choose to make payments for mobile prepaid, mobile postpaid, dth, electricity, landline bills, piped gas, broadband bills, water bills, e-gift cards purchases, cable tv bills, credit card bills, health insurance purchase, housing society payments, life insurance premium purchases, loan repayments, hospital payments, subscriptions, education fees, fastag payments, LPG gas bills, municipal services, and municipal taxes’ payments Payrup has it all covered for our users under one roof.
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LPG Insurance Policy Explained
There are millions of Indians using Liquified Petroleum Gas or LPG cylinders for daily needs. Furthermore, the number is so huge that shortcomings in the process or by the consumers keep happening. As a result, oil companies that provide LPG and the local distributors take a third party insurance policy. Consumers don't have to pay a premium to avail the policy as it is not taken in an individuals name. The amount of cover (medical) varies massively, from ₹15 Lakh in HP Gas Insurance Policy to ₹30 Lakh in Indane Gas Insurance Policy and unspecified in Bharat Gas Insurance Policy. Subsequently, the benefits include:
Personal accident cover between ₹5-6 Lakh
Medical expenses between ₹1-2 Lakh (per person)
Property damages between ₹1-2 Lakh
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PRADHAN MANTRI JAN DHAN YOJANA
New incentives
The overdraft facility has been doubled from Rs. 5,000 to Rs. 10,000.
There will be no conditions attached for over-draft of up to Rs 2,000. Also, the upper age limit for availing the facility has been hiked to 65 from the earlier 60 years.
Accidental insurance cover for new RuPay Cardholders has been raised from Rs 1 lakh to Rs 2 lakh.
The government decided to make the Pradhan Mantri Jan Dhan Yojana (PMJDY) an open-ended scheme, meaning that it will continue indefinitely.
Pradhan Mantri Jan Dhan Yojana It is a financial inclusion program of Government of India, that aims to expand and make affordable access to financial services such as bank accounts, remittances, credit, insurance and pensions.
It focuses on coverage of households as against the earlier plan which focused on coverage of villages. It focuses on coverage of rural as well as urban areas. Any individual above the age of 10 years can open BSBDA Account.
The plan envisages universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension facility. In addition, the beneficiaries would get RuPay Debit card having inbuilt accident insurance cover of Rs. 1 lakh.
The plan also envisages channelling all Government benefits (from Centre / State / Local Body) to the beneficiary’s accounts and pushing the Direct Benefits Transfer (DBT) scheme of the Union Government. The technological issues like poor connectivity, on-line transactions will be addressed.
Significance
In spite of a strong position on world economic map India suffers from the problem of poverty and poor financial inclusiveness. Census, 2011 estimates that only 58.7% of the households have access to banking services.
Poor households in India, in the absence of access to formal credit, have to deal with moneylenders who charge exorbitant rates of interest. Household Survey on India’s Citizen Environment and Consumer Economy, 2016, shows that within the poorest section of the population two in three taking credit from informal sources.
Though access to formal financial institutions has improved over time but still thousands of villages not have a bank branch and less than 10 percent of all commercial bank credit goes to rural area which is the dwelling area for around 70 percent of the total population of India.
Achievements
Reducing Percentage of Zero Balance Accounts: Share of zero-balance accounts which indicates lack of activity has fallen from 67% of the 125.47 million Jan Dhan Accounts in 2015 to only 28.88% of the 210 million Jan Dhan Accounts in 2016.
Rising Deposits in Accounts: From 2016-17 the total deposits in these accounts has increased more than thrice. This shows the build-up of confidence which the government has succeeded to develop among the poor.
Plugging Leakages from Subsidy: According to the Economic Survey for 2015-16 leakages in LPG subsidy transfers fell 24% and the exclusion of beneficiaries had been greatly reduced, due to forced banking infrastructure created by Jan Dhan Accounts, Aadhaar and Mobile networks, the combination named as JAM trinity.
Challenges
Internet Connectivity Problem: The inadequate infrastructure base for internet facilities basically in tribal and hilly areas making it difficult for Business Correspondents to deliver the required basic banking services
Diversion of Funds for Overdraft Facility: The overdraft facility that the Jan Dhan scheme commits could be valuable for the poor but clarity has still not emerged on where the funds would be diverted from to finance it.
Increasing Cost of Business Correspondents: If these accounts have to be functional and not remain dormant then the density of banking correspondent has to be increased, which will increase the cost of delivering the banking services.
Managing Multiple Saving Bank Accounts: Many of the individuals who already have savings bank accounts in other banks opened account under PMJDY for benefiting from the Rs. 1 Lakh accident insurance and overdraft. As per norms PMJDY is only for those who do not have any bank account either in public or private sector banking setup
Tackling Unaccounted Money Deposited During Notebandi: After the announcement of Demonetization total deposits in 255 million Jan Dhan accounts have increased to Rs 642521 million by November 2016.
Way forward
Launching massive campaign programmes among the poor households and also focus on improving the level of financial literacy and education that can help them recognize the benefits they can avail under the scheme and the responsibilities associated with it.
The network of post offices which spread across the nation even in the remotest areas can be utilised for effective implementation of the Jan Dhan Yojana. Introduction of Indian Post Payment Banks is a way forward.
The policy focus should shift from the quantity of inclusion to the quality of inclusion. The measure of success of the scheme should include clearly-defined targets for usage and transactions.
The trust mechanism should be improved between people and bank officials as there seems to be lack of trust in banking correspondents due to which borrowing from money lenders is still prevalent.
It is recommended that internet connectivity and speed should be increased in tribal and hilly areas so that the confidence and ease of doing banking transactions can be entertained.
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Steps On How To Reduce Your Car Insurance Premium
Car insurance is an important addition to your car and secures it in occasions of want. However, as the worth of the car goes up, thus does the speed of your insurance plan from car insurance firms in India. Lots of individuals complain concerning the topic of the excessive value of car insurance premiums. Even although it principally depends on the IDV (Insurance Declared Value) of your car, there are some suggestions and tips which you can use to avoid wasting the extra bucks.
You May Like: Car Insurance | Everything You Need To Know
How can I scale back my car insurance premium in India?
Compare Car Insurance Quotes Online: The finest methodology to cut back car insurance premium is getting a quote from the top companies within the market and evaluating the same. Moreover, when you have been taking the identical kind of coverage in your car for a few years, it’s best to positively attempt different insurance firms. You could get a great quote and engaging reductions and decrease your car insurance premium.
Increase The Deductibles: A deductible is an quantity paid by the coverage proprietor when making a declare. If your insurance deductible is zero, you’ll obtain the complete declare quantity in your declare. But, it will improve the upfront insurance premium. Increasing your deductibles can scale back your car insurance premium
Avoid Insurance Policy Lapse: This is a giant no-no. Once your car insurance coverage lapse, you’ll lose out on the NCB (No declare bonus) you have been eligible for. Set a reminder and renew your car insurance coverage with out fail.
Reduce Car Modifications: Car equipment like costly alloy wheels, fancy lights, car digital camera, spoilers can all appeal to heavy premiums. Keep the car modification to a minimal and solely set up car equipment with utility.
Install Anti-Theft Devices: Car security units like an anti-theft alarm, gear locks, steering lock can fetch you upto 5% discount in your car insurance premium.
Avoid Filing Small Claims: Although, the very function of a car insurance coverage is to avoid wasting you bills after an accident. However, making a small car insurance claim can significantly have an effect on your NCB (No Claim Bonus). A No Claim Bonus is a profit awarded for “no claim” on a coverage cowl. NCB can decrease your car insurance premium by upto 50%.
Opt-Out Of Unnecessary Add-ons: Definitely opt-out of extra options when shopping for an insurance coverage. This can considerably carry down the premium fee in opposition to your car insurance coverage.
Insist On A Discount: A policyholder can avail huge reductions on his car insurance primarily based on his/her policyholder’s age, driving document, career. In additions, being a member of the Automobile Association of India (AAI) or the Western India Automobile Association (WIAA) also can fetch you good financial savings.
Make certain you bear in mind the following pointers in thoughts while you buy new car insurance or renew car insurance on-line the subsequent time. Get the highest car insurance plan from the well-known insurance firms in India for you and your necessities.
Why are car insurance premiums so excessive?
Owning and sustaining a car is an funding, however that doesn’t imply you shouldn’t go for car insurance. With harmful site visitors conditions and rising street accidents, it’s vital to safe your car. However, car insurance could make up the extra expense of your earnings each year for those who don’t perceive the basics behind shopping for auto insurance.
How are insurance premiums calculated?
Car insurance premiums are deliberate to keep in mind the danger points. As is claimed, belief for the very best however be ready for probably the most terrible. The similar principle is utilized in figuring out the car insurance premium cost. The insurance company pays heed to how a lot of clients are susceptible to make insurance claims relying upon their state of affairs.
What elements have an effect on your car insurance premium?
City of Registration: The premium for car insurance rule differs with town for which the car is registered. The chance of car thefts and accidents within the metropolitan cities are extra as in comparison with the traditional two cities. So, vehicles in metropolitan areas need to pay extra premiums.
Build and Model of the Car: Factors linked with the construct and mannequin of a car can play a chief function in figuring out the premium.
No Extra Claim Percentage: The value of the insurance premium will likely be fewer if the car insurance policyholder has not ready any claims earlier. Thus, it is strongly recommended that the purchasers to not begin to the car insurance firm only for a negligible mark or scratch.
Kind of Coverage Taken: Consumers who like higher full protection or think about further covers reminiscent of CNG or LPG kits, roadside help, and key alternative prices must pay further.
There are tons of things on the market that decide your car insurance premium like your CIBIL rating, your annual earnings return, no. of earlier loans you at present have, and so forth. It varies from vehicles to vehicles or from individual to individual. For extra information, you might want to examine your credibility, credit score rating, and so forth for ease.
How do I discover out my car insurance premium?
There is on a regular basis a thriller close by the car insurance premiums and the way completely different of us discover a completely different deal. Some of them pay huge quantities for insuring their car whereas some transfer with the minimal. We can handle to pay premiums merely after we can perceive the system of making the speed. According to professionals, the entire motor insurance prices are calculated after doing a threat benefit evaluation. That is the important thing cause the suppliers cost completely different premiums from their clients.
What makes car insurance go up?
Traffic violations are an unusual cause for auto insurance costs to go up. Some violations are extra harmful than others. Violations are typically categorised into two classes: the primary one is main violations, and the subsequent is minor violations.
Why do insurance charges improve?
In current occasions, in case your car insurance premium went up, there are a variety of the explanation why that could be. Whereas some cost will increase could also be attributable to characteristic inside your management, others are attributable to issues which are influencing car insurance clients throughout the nation.
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TOP 3 SMART TIPS FOR GETTING THE BEST PRICE ON AUTO INSURANCE
TOP 3 SMART TIPS FOR GETTING THE BEST PRICE ON AUTO INSURANCE
There are a few ways of saving a ton of money on Car Insurance like ‘Switch to reverse and drive away from the accident’ or a bumper sticker that reads ‘Please don’t hit me as I am not sure about my coverage’.
Wish we could get away so easily and avoid paying huge amounts for ensuring our vehicle. Well, in this blog we will share three important tips for getting the best price on Auto Insurance. To begin with let’s understand Auto Insurance, its Types, and Factors which affect the Premium of your Car Insurance. In this article let’s talk about the Top 3 Smart Tips For Getting The Best Price On Auto Insurance!
WHAT IS AUTO INSURANCE?
Auto insurance is an agreement for your vehicle between you and the insurance company that protects you against financial loss in the event of an accident or theft of your car. The Auto Insurance Company is liable to pay your losses as determined in your car insurance policy and in turn you have to pay a regular premium and renew your Insurance Policy periodically.
WHAT ARE THE TYPES OF CAR INSURANCE?THIRD PARTY LIABILITY POLICY –
This covers bodily injury, Death and Property Damage. Personal Accident cover for Owner Driver is also included in Third-Party Insurance policy. Third Party Liability Insurance Policy is legally mandatory in India under the Motors Vehicle Act.
COMPREHENSIVE / PACKAGE POLICY –
This covers loss or damage to the vehicle insured in addition to the Liability Only policy. Most people prefer Comprehensive Insurance for their vehicles since it provides end-to-end or bumper to bumper coverage
WHAT ARE THE FACTORS AFFECTING THE INSURANCE PREMIUM OF A CAR?
The basic factors which are taken into account for calculating the Auto Insurance premium include the vehicle value, the age of the vehicle, geographical zone and vehicle cubic capacity.
Various add-on covers available to choose from will accordingly increase or decrease the price of Auto Insurance.
Third Party Cover (TP): It covers third party Life for unlimited value and third-party property damage for a certain amount. There is an option to reduce the insurance company liability that reduces the premium.
Owner Driver Personal Accident (PA) Cover: It is a mandatory requirement. It ensures the vehicle owner for Rs. 15 Lacs, at a premium cost of Rs. 750.
Personal Accident Cover for Passengers: This is an optional cover. Its cost is Rs.100 per passenger, for the cover of Rs. 2 Lacs which is the maximum coverage that can be offered. It can be reduced up to Rs.10000 which will have a premium of Rs. 5/-.
Registration City: Premium Rate varies based on Registration City – higher premium is charged for metros and state capitals as compared to remaining cities.
Few other factors considered for Auto Insurance premium calculations are:
Insured Declared Value (IDV), Insured Vehicle Value
Engine CC
Discounts from No Claim Bonus or Automobile Association Membership
CNG / LPG – Inbuilt or External
Electrical / Non-Electrical Accessories insured
Vehicle type – Private or Commercial
Customer type – Individual / Corporate
When it comes to Insurance there is always a tug of war between Great Insurance Coverage and Affordable Insurance Rates. Let’s help you save some money while getting adequate coverage for your vehicle under Insurance.
THREE SMART TIPS FOR GETTING THE BEST PRICE ON AUTO INSURANCE:VOLUNTARY OR EXCESS DEDUCTIBLE
The voluntary deductible is the minimum amount that a customer declares to bear at the time of the claim. This is an option wherein, if the customer agrees to bear the claim cost up to a certain amount, then the customer can get a discount accordingly at the time of taking Insurance. So if a customer is willing to settle petty claims for small damages from their own pocket voluntarily, then the cost of the premium for vehicle insurance can be reduced approximately by thirty percent. The higher the deductible the customer opts for, the lower the premium will be.
SECURITY FEATURES DISCOUNT:
Few cars come with enhanced security systems which are built-in such as anti-theft alarms. These enhanced Security features decrease the probability of car theft thus making your car less liable to theft. If your car is fitted with an anti-theft device approved by ARAI, make sure to ask your dealer for a discount as you are entitled to an Anti-theft Discount of 2.5% of own damage net premium or Rs. 500, whichever is less
NO CLAIM BONUS:
NCB is a discount given by insurance companies while renewing a motor insurance policy if the owner has not made a claim during the previous policy period(s). The NCB can be accumulated up to a maximum of 50% on OD premium which means you can reduce the premium pay-out by nearly fifty percent every year if you don’t claim insurance on your vehicle. Insurance companies give the benefit of no claim bonus as a record of your good driving year after year. If you sell your vehicle, this no-claim bonus can be transferred to your new insurance policy for the new vehicle and avail lower premium pay-out.
Now that you know all the necessary details and tip to save money on Car Insurance plans, it’s time to secure the car of your dreams using the cover it deserves.
Your safety and peace of mind are of paramount importance to us. Shivam Autozone, therefore, offers exceptional protection to Maruti Suzuki vehicle owners through New Car Insurance and Insurance Renewal services. Our insurance services ensure highest levels of trust and transparency in transactions, speedy processing, near-cashless repairs, no hidden charges, and complete reliability. Compare car insurance policy rates/insurance renewal price online and we guarantee the best car insurance plan at the lowest premium.
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honda insurance near me
honda insurance near me
honda insurance near me
BEST ANSWER: Try this site where you can compare free quotes :getinsurancequotes.top
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NDA Govt’s Top 10 Welfare Schemes
This article could have had the scope of speculating whether the success of the NDA govt. schemes would lead to its victory in the much-awaited 2019 Lok Sabha Elections, if only this article was written earlier in time. Now, the air is clear, the parliamentary election in world’s largest democracy has ended and the people have given their verdict in favour of the Modi-led NDA, yet again. There will always be naysayers, but believe it or not, the Indian PM has one of the largest followings, ever. It’s not just his attitude, style, personality, or oratory skills that has garnered him so much love, fandom, believers, followers, and yay-sayers, its also the policies and schemes being brought around during his leadership and tenure at the prestigious office, that has reaped him so many praises. As we are stepping into whats being called as the second era of Narendra Modi Government, or simply “Modi 2.0”, lets have a brief look at the top 10 welfare schemes of the Government of the day.
1. Pradhan Mantri MUDRA Yojana (PMMY)
Pradhan Mantri MUDRA Yojana (PMMY) is a scheme launched by the Hon’ble Prime Minister on April 8, 2015 for providing loans upto 10 lakh to the non-corporate, non-farm small/micro enterprises. These loans are classified as MUDRA loans under PMMY. These loans are given by Commercial Banks, RRBs, Small Finance Banks, Cooperative Banks, MFIs and NBFCs. The borrower can approach any of the lending institutions mentioned above or can apply online through this portal. Under the aegis of PMMY, MUDRA has created three products namely ‘Shishu’, ‘Kishore’ and ‘Tarun’ to signify the stage of growth / development and funding needs of the beneficiary micro unit / entrepreneur and also provide a reference point for the next phase of graduation / growth.
2. Swachh Bharat Mission (SBM)
Cleanliness is next to Godliness. The Prime Minister launched his pet project for a clean India on Mahatma Gandhi’s birth anniversary October 2, 2014. The PM roped in prominent personalities from the film industry, sports, media, business and other celebrities to promote the initiative. [2] there is also a swacchta sarvekshan been conducted time to time to adjudge the cleanest cities positions rank-wise; Indore in Madhya Pradesh has topped the list the third time as well.
PM Modi’s flagship sanitation campaign in India that aims to build toilets and clean up streets, roads and infrastructure of India’s cities, towns and rural areas. In urban areas, over 46 lakh individual toilets have been constructed out of nearly 94 lakh application received for toilet construction. Total community and public toilets stood at 3.1 lakh and the number of open defecation free (ODF) cities clocked at 2,212 as of May 24, 2018. In the rural areas, over 7.2 crore toilets have been constructed across all villages in India compared to 9.5 crore households that do not have toilets. More than 60 percent of the rural households in all sates are reported to have toilets except Odisha (55 percent) and Bihar (55.1 percent). Out of the 3.6 lakh villages which self-declared open defecation free (ODF), 2.5 lakh declarations have been verified. [3]
In October 2014, Bill Gates had praised Prime Minister Narendra Modi’s emphasis on building more toilets in the country. “Narendra Modi has India talking about toilets and that’s a great thing,” Gates said in a tweet which was retweeted by Modi. On his blog, Gates said, “This is not the kind of issue that most politicians like to talk about. But I would guess that in the short time he has been in office, Prime Minister Modi has done more to raise the awareness of the need for toilets than any other leader since the country gained independence“. [4]
3. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)
Pradhan Mantri Kaushal Vikas Yojana (PMKVY) is the flagship scheme of the Ministry of Skill Development & Entrepreneurship (MSDE) implemented by National Skill Development Corporation. The objective of this Skill Certification Scheme is to enable a large number of Indian youth to take up industry-relevant skill training that will help them in securing a better livelihood. Individuals with prior learning experience or skills will also be assessed and certified under Recognition of Prior Learning (RPL).
4.Beti Bachao – Beti Padhao
“When you educate a man, you educate a man but when you educate a woman, you educate a generation”. With an objective to generate awareness and to improve the welfare services provided to women, on January 25, 2015, Modi launched the Beti Bachao, Beti Padhao campaign. The focus was laid on 100 selected districts that are low in Child Sex Ratio (CSR) for safeguarding the survival and education of a girl child. Beti Bachao, Beti Padhao (BBBP) was launched by the Hon’ble Prime Minister, Shri Narendra Modi, on 22nd January, 2015 in Panipat, Haryana as one of the flagship programmes of the Government, to address the declining Child Sex Ratio and related issues of empowerment of women on a life-cycle continuum. It is a tri-ministerial, convergent effort of Ministries of Women and Child Development, Health & Family Welfare and Human Resource Development with a focus on awareness and advocacy campaign for changing mindsets, multi-sectoral action in select 161 districts (low on CSR), enabling girls’ education and effective enforcement of Pre-Conception & Pre Natal Diagnostic Techniques (PC&PNDT) Act. The Scheme has been received well and has been successful in establishing the improvement in Child Sex Ratio as a National Agenda. It has resulted in increased awareness, sensitization and conscious building around the issue of declining CSR in the public domain. [7]
5.Pradhan Mantri Jan-Dhan Yojana (PMJDY)
The Prime Minister’s Jan Dhan Yojana (PMJDY) is a financial inclusion programme that makes services like banking, remittance and insurance available to every Indian at affordable cost. Beneficiaries can open a zero-balance account. As of August 16, 2017, 295 million new bank accounts had been opened under the PMJDY. More than 176 million of these accounts are in rural India, and around 145 million are operated by women. [8]
PM Modi’s flagship financial inclusion scheme, Pradhan Mantri Jan-Dhan Yojana, aims to ensure access to financial services such as banking, savings and deposit accounts, remittance, credit, insurance, pension in an affordable manner. Launched in august 2014, the objective of this scheme was to connect more and more number of people to banking services. Under this scheme, 31.60 crore people across India opened a Jan-Dhan account as of May 9, 2018. By far, the PMJDY has emerged as one of the world’s largest financial inclusion programmes. Special benefits under PMJDY Scheme include accidental insurance cover of Rs 1 lakh, no minimum balance requirement and a life cover of Rs 30,000 payable on death of the beneficiary. The PMJDY has emerged as one of the world’s largest financial inclusion programmes. [9]
6.Prime Minister Ujjwala Plan/ Pradhan Mantri Ujjwala Yojana (PMUY)
Launched on May 1, 2016, its aim was to provide the LPG connection to BPL families at subsidized rates. Under the PM Ujjwala Yojana, the government aims to provide LPG connections to below poverty line (BPL) households in the country to replace unclean cooking fuels used in rural India with the clean and more efficient LPG (Liquefied Petroleum Gas). Earlier this year, the Centre had revised its target to provide LPG connections to eight crore from five crore. Nearly four crore (3,98,77,723) connections have been given under the scheme so far, about 80 lakh of them in the past five months. [10]
7. Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY)
The idea of electrifying every village in India was conveyed by PM Modi in his August 15 speech in 2015 where he promised electrification all un-electrified villages within 1,000 days. As per government records, by April 1, 2015, India had about 18,452 unelectrified villages. The task to electrify the remaining villages was completed in 988 days as on April 28, 2018 as electricity reached Manipur’s Leisang village after over 70 years of Independence under the Deen Dayal Upadhyaya Gram Jyoti Yojana (DDUGJY). The Prime Minister, however, launched a Rs 16,320-crore Pradhan Mantri Sahaj Bijli Har Ghar Yojana, or Saubhagya scheme to provide electricity connections to over 40 million families in rural and urban areas by December 2018. Out of the set target to provide electricity connection to 3,80,23,012 households, the government has so provided electricity connection to 61,89,812 houses as on May 25, 2018. [11]
Aimed at providing round the clock power to rural households and adequate power to agricultural consumers, the DDUGJY involved feeder separation, strengthening of sub-transmission and the distribution network, metering at all levels, village electrification, and setting up micro-grid and off-grid distribution networks. [12]
8. Ayushman Bharat
The Ayushman Bharat Yojana is also known as Pradhan Mantri Jan Arogya Yojana (PMJAY) or National Health Protection Scheme or Modicare. Ayushman Bharat aims to provide healthcare facilities to over 10 crore families covering urban and rural poor. PMJAY-Ayushman Bharat is the biggest government-sponsored healthcare scheme in the world. The scheme offers an insurance cover of Rs 5 lakh, which will cover almost 50 crore citizens. [13]
Its no longer the case that there is an absence of healthcare facilities for the poor in the country. As Modi always states “Govt. schemes and policies are for the poor of the country.” The sole motto of this scheme is to covering both preventive and pro-motive health, to address healthcare holistically. [14]
Ayushman Bharat is Narendra Modi government’s flagship healthcare scheme that aims to provide medical coverage to over 10 crore poor families. The Narendra Modi government has received appreciation from the billionaire philanthropist Bill Gates on the first 100 days of the Ayushman Bharat Scheme. Gates also congratulated the government for providing healthcare benefits to 6.85 lakh people in such a short span of time. In his tweet, Gates wrote, “Congratulations to the Indian government on the first 100 days of @AyushmanNHA. It’s great to see how many people have been reached by the program so far. @PMOIndia” [15]
9. Pradhan Mantri Kisan Samman Nidhi
Pradhan Mantri Kisan Samman Nidhi is an initiative by the government of India in which 120 million small and marginal farmers who have less than 2 hectares (4.9 acres) of landholding will get up to ₹6,000 (US$87) per year as minimum income support. The initiative was announced by Piyush Goyal during the 2019 Interim Union Budget of India on 1 February 2019. The PM-KISAN scheme aims to supplement the financial needs of the SMFs in procuring various inputs to ensure proper crop health and appropriate yields, commensurate with the anticipated farm income at the end of the each crop cycle.
10. Khelo India
Aim was to promote sports in youth. Thus the proposal of Khelo India was something of a fresh breath in the stale air that had settled around Olympic sports in India. To the apparent eye, the success of the Khelo India School Games has been immense with a viewership of over 100 million and participation of over 3000 young athletes.
Until the inaugural KISG took place in January, there was almost no specific scouting of talented athletes in India but for the SAI National Sports Talent Contest. The appointment of a sports icon and India’s first ever Individual Silver medallist brought with it a promise of setting things rolling in the right direction.
The objective of the KISG was to help India’s youth develop into a contender in international sporting events by helping them with funds, coaching, top-notch infrastructure, raising awareness regarding the importance of physical fitness, encouraging the development of women’s sport and so on. The Games were spread over 16 disciplines which are Archery, Athletics, Badminton, Basketball, Boxing, Football, Gymnastics, Hockey, Judo, Kabaddi, Kho-Kho, Shooting, Swimming, Volleyball, Weightlifting, and Wrestling.
The sports budget received a considerably large hike in the 2018 budget, a total of Rs 1943 crore. The initial money that was alloted for Khelo India was Rs. 140 crores. But after the latest developments, the budget has been increased to Rs 350 crores. These have been some shortcomings of the Khelo India School Games that are a shade difficult to ignore. However, there is no denying that this was still a step forward, irrespective of big or small. [17]
Sources:
[1]http://bit.ly/2ZhLR4b
[2]http://bit.ly/2ZhLR4b
[3]http://bit.ly/2F3VlIK
[4]http://bit.ly/2APaHP2
[5]http://bit.ly/2ZhLR4b
[6] http://bit.ly/2F4wJiX
[7] http://bit.ly/2ZhfbYD
[8] http://bit.ly/2F4wJiX
[9]http://bit.ly/2F0Gm2c
[10]http://bit.ly/2F3VlIK
[11] ibid.
[12]http://bit.ly/2ZjMwC9
[13]https://economictimes.indiatimes.com/articleshow/65920546.cms?from=mdr&utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst.html
[14] http://bit.ly/2QlgMYM
[15]http://bit.ly/2APaHP2
[16] http://bit.ly/2Zpnuln
[17] http://bit.ly/2F2tzMQ
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