What is the Difference between Suvidha Kender and Samadhan Kender:

Suvidha Kender

Samadhan Kender

You have to pay Parking Charges of Rs.20 for every visit .

No Parking Charges

Limited Working Hours

Working Hours 10.00 AM to 8.00 PM

Lunch Time Half Hour to One Hour

No Launch Time

Closed on Saturday and Sunday

Open 10x7x365 including Saturdays and Sundays.

Long Queues

No queues. Feel at home at Samadhan Kender

No Follow up for Services Provided

We make regular follow up and inform the citizens through Mobile Call and SMS about the status of their availed Services

Wednesday, October 19, 2016

Pending Bills or Taxes can Lower Credit Score?

Non-Payment of Bills can also Lower Credit Score? 

India is fast moving towards digitalization and transparency. So far your credit score was adversely affected only because of default in payment of bank loans but now the concept is being stretched further to payment of bills, income tax, sales tax and other dues either towards the government or even towards private players. Even default as small as Rs.100 may lower your credit rating in the future.

Pay your electricity and phone bills before Due Date:

By paying the electricity bills before due dates, you not only get heavy discounts but in the times to come it may help you to build your credit history is such a way that you will be the preferred customer in the banks for getting easy loans. In the times to come the defaulters of electricity , phone bills will get uploaded with databases of credit agencies like CIBIL, Experian, Equifax and CRF High Rank and you may even lose access to your existing credit facilities or due to lower credit score your banker may revise your lending rate upwards eating away your margins.
As such keep access to all your bills and never allow these bills to go under default category: Some of the bills and utilities is given below:
  • Electric Bills
  • Landline Phone Bills
  • Mobile Phone Bills
  • Internet Bills
  • Water and Sewerage Bills
  • LPG Gas Bills
  • Other Utility Bills
Pay your Income Tax and other Tax Dues in time:

In case you have not paid your taxes in time or you have not filed your income tax return despite the fact that it is mandatory for you to file the IT return, then the day is not far away when such defaults may find mention in your credit rating or CIBIL report compelling the lending banker to conclude that your financial position can deteriorate in case heavy penalties are imposed by the income tax or other tax authorities. Similar is the case with other taxes like Service Tax, VAT, GST etc.

Recovery Suits may also be part of Credit Report:

Credit Report of any individuals tells us about his or her indebtedness as a principal borrower or as a guarantor but other contingent liabilities of the individual which can substantially affect the credit worthiness of any individual are never reflected. With technology taking the front seat, it may become a reality to know your hidden or contingent liabilities like:
  • You have divorced your wife and court might have burdened you with maintenance allowance to be paid to the divorced wife as such monthly outgo of funds can tell upon your repaying capacity.
  • 3rd party decree against you as judgement debtor can also deteriorate your financial health and in the near future such decrees may be finding mention in your credit rating or credit score.

In nutshell the idea of this post is just to forewarn the audiences that soon all your financial activities find a place in CIBIL or DIBIL.

Saturday, October 8, 2016

Keep RC and Driving License in DigiLocker

Happy News !  Happy News !

Now the time has come that your important documents and ID proofs will become as immortal as your soul. Your PAN Card, Aadhaar ID, Voter ID, Passport or even Driving Licenses will remain saved in original in your DigiLocker and your nominated legal heirs will be able to view your ID Proofs even after your death.

Now the Ministry of Transport and CBSE Board has partnered with the DigiLocker in such a way that you can pull or fetch your original CBSE degree/marks sheet, NEET Rank Letter, Driving License and even Registration Certificate of your vehicle directly in your Digi Locker which can be opened on your smartphone through DigiLocker application. You can just show the original driving license kept in Digi Locker to the Traffic Inspector and the Traffic Inspector will not be able to harass you by demanding bribe in return for returning the driving license.

It is a welcome move as this will only reduce administrative expenses but also streamline governance.

Limitations of Online Storage of Documents:

There are many limitations for pulling and fetching original documents from the issuing authorities who have partnered with Digi Locker. Few limitations are discussed below:
  • As Digi Locker is Aadhaar Based application, user has to ensure that the particulars of the driving license, Voter ID, Passport, PAN Card, CBSE Marks sheet, NEET Rank letter exactly match with the particulars fetched by Digi Locker from Aadhaar servers. Name, Father's name, Date of Birth and Address etc need to be checked and verified in such a way that the user has no multiple different identities in digital records.
  • Only those documents will be pulled and fetched in Digi Locker where the issuing authorities have partnered with Digi Locker and there is 100% synchronisation. For example Registrars of Births and Deaths in many state have yet to digitalise their data and partner with DigiLocker where some states and UT's like Haryana have already partnered with Digi Locker. In case of Haryana digilocker owners can fetch their Birth Certificates in their Digi Locker Account.
In my view it will take another 10 years when all the issuing authorities in all the states go digital and partner with Digi Locker to reduce the administrative expense and make Digital India dream come true.

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