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9814915812

(Ashok Goyal – Retd Chief Manager PNB)

CIBIL Consultants 448 Dalima Vihar Near Lakshmi Narain Mandir Rajpura 140401 Punjab.

Aadhar Enrollment, Updation and Print, Voter ID Print and Updation, Passport Appointments, Deposit and Withdrawals from Banks, SBI – CSP Services, Money Transfer Western Union, Ria and Transfast, PAN Cards, DigiLockers, Astrology, Utility Bills, Railway and Cheap Air Tickets, Pension Payments, Life Certificates.

samadhankender@gmail.com

9316077749 (Navneet Sood) and 9914540600 (Vipan Gupta)

Samadhan Kender, Patiala Road, Near Bikaner Mishtan Bhandar, Rajpura 140401 Punjab.

Wednesday, February 24, 2016

IT Return Wake up Call before it is too Late

Income Tax Department has identified 58,95,830 non-filers of IT returns, for the Assessment Year 2014-15, who have:
  • Deposited Cash of Rs.10,00,000 or more in a Saving Bank Account.
  • Purchased immovable property valued at Rs.30,00,000 or more.
  • Received Rental income u/s 194l
The Income Tax Department has drawn the list of non-filers through NMS (Non-filers Monitoring System).

Late filing of IT Return for AY 2014-15 and AY 2015-16 can be filed till 31st March, 2016.

Visit Samadhan Kender to e-file your income tax return lest you may get notice from Income Tax Department.

Tuesday, February 23, 2016

Get Your Aadhaar Number integrated to get benefits under various Schemes

Government of India is providing various incentives to the Indian Citizens through Aadhaar Number identification. As of today the following schemes are in operation in various states:

Scheme/Program Name
Scheme/Program Short Code
Post Matric Scholarship for SC Students
POSC
Pre-Matric Scholarship for SC Students
PRSC
Pre-Matric Scholarship for Children of those engaged in unclean occupations.
PRCU
Upgradation of merit of SC Students
UMSC
National Overseas Scholarship Schemes for SC Students
NOSC
Post Matric Scholarship for OBCs
POBC
National Overseas Scholarship for OBCs
NOBC
Post Matric Scholarship for economically backward class students.
POEB
Post Matric Scholarship for students with disabilities.
PODB
National Overseas Scholarship for persons with disabilities.
NODB
Scholarship for top class education for students with disabilities.
TCDB
Top Class Education Scheme
TCES
Scholarship to Universities/College Students
SCUS
Fellowship Schemes of UGC
FUGC
Fellowship Schemes of AICTE
FAIC
Subsidy on Fee to Students
SBFS
National Means cum Merit Scholarship.
NMCM
National Scheme for Incentive for the girl child for secondary education
NIGS
National Overseas Scholarship for ST students
NOST
Post Matric Scholarship Scheme
TPOS
Upgradation of Merit Scheme
TUMS
Top Class Education System
TTES
Rajiv Gandhi National Fellowship
RGNF
Matric Scholarship Scheme
MMSS
Maulana Azad National Fellowship
MMAF
Merit cum Means Scholarship Scheme
MMCM
Indira Gandhi MatritvaSahyogYojana (IGMSY)
WIGM
Dhanalakshmi Scheme
WDHS
JananiSurakshaYojana
HJSY
Scholarship to the Children of beedi workers
SCBW
Housing subsidy to beedi workers
HSBW
Stipend to children in the special schools under the Child Labour Project
SCLP
Permanent Disability Benefits, Dependent benefits, Sickness State Insurance Corp. to the insured persons and their families
SSIC
Pension withdrawal of PF, Premature withdrawal of pension, payment related to Employees Deposit Linked Insurance
EDLI

It is an irony that State Government of Punjab is dead slow in digitizing the various welfare schemes whereas southern states have linked the welfare schemes with Aadhaar ID. Visit Samadhan Kender for drawing benefits available in following states: (Refer: UID SEED STATE SCHEME AADHAAR to 51969).

State Name
State Short Code
Andaman and Nicobar
AN
Andhra Pradesh
AP
Arunachal Pradesh
AR
Assam
AS
Bihar
BR
Chandigarh
CH
Chattisgarh
CT
Dadar and Nagar Haveli
DN
Daman and Diu
DD
Delhi
DL
Goa
GA
Gujarat
GT
Haryana
HR
Himachal Pradesh
HP
Jammu and Kashmir
JK
Jharkhand
JH
Karnataka
KA
Kerala
KL
Laksadweep
LD
Maharasthra
MH
Manipur
MN
Meghalaya
ML
Mizoram
MZ
Madhya Pradesh
MP
Nagaland
NL
Orissa
OR
Pondicherry
PY
Punjab
PB
Rajasthan
RJ
Sikkim
SK
Tamil Nadu
TN
Tripura
TR
Uttar Pradesh
UP
Uttarakhand
UK
West Bengal
WB

Note: LPG Subsidy scheme code has not been included as it has been implemented throughout India. Visit us for checking if your Aadhaar in interlinked with your Bank Account and in case you have forgotten the name of the Bank we will tell you instantly. 

Do you know that you need not digitally sign or e-verify your income tax return in case you have interlinked your Aadhaar ID with PAN number.

Visit Samadhan Kender to open Sukanya Samridhi Deposit with SBI


Union Budget 2015 is being unfolded by the taxation experts and it will come as a big shock the depositors who used to save regularly through Recurring Deposit schemes with Banks in India. Finance Minister has cunningly included the Recurring Deposits in the TDS net by bringing the RD at par with Fixed Deposits. Now if you are having a fixed deposit of say Rs.5 lac with a bank yielding monthly interest of say Rs.4000/- per month on which bank will already be deducting TDS of Rs.400/- per month at the rate of 10% if PAN is given to the bank and at the rate of Rs.800/- per month being 20% if PAN is not provided to the Bank. If the interest amount of Rs.4000/- net of TDS being Rs.3600/- or Rs.3200/-, as the case may be, is reinvested in Recurring Deposit then interest earned on such RD is again taxable u/s 194A to the tune of 10% or 20% as the case may be becuase the interest amount on Fixed Deposit and Recurring Deposit will exceed the ceiling of Rs.10000/-. This is a clear cut case of double taxation being imposed on the depositors. Due to pro-capitalist policies of the Government of India, interest rates have already been lowered to less than 9% per annum to lend money to billionaire MNC's at lower interest in the name of boosting economy and employment. The senior citizens in India are finding it very difficult to make both ends meet due to rising inflation which is the outcome of money supply at lower rates. On the one hand the money has become cheaper and on the other hand the rupee gets devalued due to inflationary trend caused by more and more supply of money at cheaper rates.

In such a scenario what is the option available to make savings which can yield much more to neutralize the rate of inflation and depreciation of rupee. Union Budget 2015 has come out with Sukanya Samriddhi Yojana for investing the money in the name of the girl child below the age of 10 years by natural or legal guardians. Salient features of the Sukanya Samriddhi Yojana are as under:
  • The Sukanya Samriddhi Yojana account is similar to Public Provident Fund which will attract interest @9.1% per annum compounded yearly. The account can be opened with initial deposit of Rs.1000/- and subsequent deposits can be in multiples of Rs.100/- with minimum of Rs.1000/- in such a way that the maximum contribution per financial year (1st April to 31st March) does not exceed Rs.150000/-.
  • Contribution can be made for 14 years from the date of opening of the account which will mature after 21 years from the date of opening of the account.
  • The subscriber can not deposit any amount in the account from 15th to 21st year of opening of account under Sukanya Samriddhi Yojana.
  • Withdrawal of 50% of money can be withdrawn for education or marriage of the girl child after the girl child attains the age of 18 years.
  • If an account is opened on the immediate birth of the girl child then the following maturity values are payable if the regular contributions are made at regular intervals though the subscriber is free to make irregular contributions at irregular intervals.

Mode
Contribution (Rs)
Tenure
Total Cont.
Maturity
Maturity Value
Monthly
1000
14 yr
168000
21 years
607128
Yearly
10000
14 yr
140000
21 years
526050
Yearly
12000
14 yr
168000
21 years
631268

Saturday, February 20, 2016

Happy News - SBI Customer Service Point opens at Samadhan Kender

SBI Customer Service Point opens at Samadhan Kender

We are pleased to inform that full fledged SBI Customer Service Point has started its operations at Samadhan Kender, NH-64, Near Bikaner Mishtan Bhandar, Patiala-Rajpura road, Rajpura and the following services have been launched for the convenience of the public in general:

  • Cash Deposit in the customer's account with any Bank throughout India.
  • Cash withdrawal from Bank account of any bank in India through Aadhar Card.
  • Opening of Saving Bank, Recurring Deposit and Fixed Deposit account with State Bank of India.
  • Tatkal Money Transfer (IMPS facility). 









Sunday, February 14, 2016

Parliament Standing Committee Seeks Legal Status for Aadhaar


As per newspaper reports the government has been asked by the Parliamentary Standing Committee on Finance to provide a statutory backing to Aadhaar at the earliest and take immediate steps to address issues pertaining to the project.

"The committee, therefore, once again reiterates that the government should immediately address the key issues relating to UIDAI and initiate measures for early legislation on the subject," said the panel headed by senior Congress leader and former union minister M Veerappa Moily.
It noted that the reply of the Planning Ministry on the pending legislation on UIDAI has been repetitive.

In its reply to the panel, the Planning Ministry said, "In view of the recent steps taken by the government to universalise Aadhaar enrolments and to utilise it for several service delivery initiatives, the government recognises that there is an urgent requirement to pass the bill. Further steps, that are required to be taken to take the proposed legislation further, are being taken."

The panel said, "The Committee had time and again urged the government to address the key issues related to the Unique Identification Authority of India (UIDAI) Bill, particularly in the light of recent Supreme Court Judgement."

In October, lifting its earlier restriction, the Supreme Court had allowed voluntary use of Aadhaar for welfare programmes including MGNREGA, all pension schemes, provident fund and Pradhan Mantri Jan Dhan Yojna.

Before the order, the use of Aadhaar was restricted to public distribution system (PDS) and disbursal of cooking gas subsidy.

Last month, Finance Minister Arun Jaitley had said the draft legislation to give a statutory backing to the unique identification number is ready and a decision would be taken at an appropriate time.

However, the bill was not listed on agenda for the Winter Session of Parliament.

According to UIDAI website, 94.14 crore Aadhaar numbers have been issued so far as against the country population of 121 crore as per 2011 census.

Saturday, February 13, 2016

How to Manufacture IFSC Code of Banks from Account Numbers

The IFSC is an 11-character code with the first four alphabetic characters representing the bank name, and the last six characters (usually numeric, but can be alphabetic) representing the branch. The fifth character is 0 (zero) and reserved for future use. Bank IFS Code is used by the NEFT & RTGS systems to route the messages to the destination banks/branches. The format of the IFS Code is shown below:

 1
 2
 3
 4
 5
 6
 7
 8
 9
10 
11 
 P
 U

For example IFSC Code of Punjab National Bank, KSM Road, Rajpura Township - 140401 (Punjab) is PUNB0354100 to be read as PUNB ZERO THREE FIVE FOUR ONE ZERO ZERO. Now as explained above the first four characters are Bank Code for Particular Bank and 5th character is necessarily 0 (Zero). Last six characters are the branch code. Bank Code for PNB being PUNB has been picked up and after placing 5th character as 0 (Zero) the branch code of Rajpura Town - which is 354100 has been placed as it is. One more thing to remember while manufacturing the IFSC code of any bank is that in case of most of the Banks, the branch code is hidden in the account number. For example in PNB the account number consists of 16 characters in which first six characters are the branch code, next 2 characters are the scheme code and the last 8 characters are account number. In case the account number is of less than 8 characters then it can be made of 8 characters by prefixing more zeroes. To quote the account number 35410021000XXXXX consists of 354100 as branch code, 21 as scheme code for current accounts and last XXXXX digits being account number prefixed with three zeroes.

 1
10 
11 
12 
13 
14 
15 
16 
 3

Bank Codes for manufacturing IFSC Codes of banks.
  1. Allahabad Bank ALLA
  2. Andhra Bank          ANDB
  3. Axis Bank          UTIB
  4. Bank of Baroda BARB
  5. Bank of India          BKID
  6. Bank Of Maharashtra MAHB
  7. Canara Bank         CNRB
  8. Central Bank of India CBIN
  9. Corporation Bank CORP
  10. Dena Bank          BKDN
  11. HDFC Bank                   HDFC
  12. ICICI Bank                   ICIC
  13. IDBI Bank                   IBKL
  14. IDFC Bank Limited          IDFB
  15. Indian Bank                   IDIB
  16. Indian Overseas Bank IOBA
  17. IndusInd Bank Ltd.          INDB
  18. Kotak Mahindra Bank KKBK
  19. Oriental Bank of Commerce ORBC
  20. Punjab National Bank PUNB
  21. Punjab & Sind Bank PSIB
  22. State Bank Of Bikaner And Jaipur SBBJ
  23. State Bank of Hyderabad SBHY
  24. State Bank of India          SBIN
  25. State Bank of Mysore SBMY
  26. State Bank Of Patiala STBP
  27. State Bank Of Travancore SBTR
  28. State Bank of Saurashtra SSAU
  29. Syndicate Bank          SYNB
  30. UCO Bank                   UCBA
  31. Union Bank of India          UBIN
  32. United Bank of India UTBI
  33. Vijaya Bank                   VIJB
  34. Yes Bank                           YESB

While making any IMPS, NEFT or RTGS the transferor  must test the IFSC code through above two litmus tests so that the transferred funds do not go astray or land into wrong bank accounts.

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