Tuesday, August 02, 2011

Current Affairs and GK for IPO exam ( Q 41 - 87 )

Current Affairs and GK for IPO exam

41. Pravasi Bhartiya Divas in 2011 was held at:

(a) Jaipur (b) New Delhi (c) Ujjain (d) Varanasi

Answer : b

42. 98th Indian Science Congress in January 2011 was held at:

(a) Chennai (b) Kharagpur (c) Kanpur (d) Delhi

Ans - a

43. Who of the following is the present Lokayukta of Karnataka:

(a) N Vittal (b) Santosh Hegde (c) Yashwant Sonawane(d) None of these

Answer:b

44. Georgia’s capital is to be shifted from Tbilisi to:

(a) Akhan (b) Yeren (c) Kutaisi (d) Chisinau

Ans-c

45. Which country topped the Terrorism Risk Index in 2010:

(a) Somalia b) Samoa (c) Jamaica (d) Iraq

Ans-a

46. Which district is going to be named after Indira Gandhi? Ans: a

(a) Medak (b) Rai Bareli (c) Chikmaglur (d) Bellary

47. Who received the Elis Island Medal of Honour in 2010?

(a) Dalai Lama (b) Zinedine Zidene

Answer: c

48. Enam Securities is to be purchased by:

(a) Union Bank of India (b) BNP Paribas

Answer: d

49. Which famous personality bagged the Man of Peace Award in 2010?

(a) Roberto Baggio (b) Diegs Maradona

Answer: a

50. Who is the new National Security Advisor of United States?

(a) Colin Powell (b) Larry Page

Ans-b

51. Who is the new president of UN General Assembly?

(a) Joseph Deiss (b) Hans Rasmus Sen

Ans-a

52. Luka and Fire of Life is the latest book by:

(a) Arun Som (b) Salman Rushdie

Ans-b

53. What is the name of India’s latest and Seventh Super Computer?

(a) Annapurna (b) Param

Ans-a

54. Tembli became the first village in India to get UID. In which state it is located?

(a) Andhra Pradesh (b) Chattisgarh

Ans-c

55.Who has been declared the ‘Business Leader of the year’ in Economic Times Corporate Excellence Awards 2010?

(a) Aditya Puri (b) N Nrayanmurthy

Ans-a

56. What is the mascot of 2011 cricket world cup?

(a) Hoho (b) Cobe

Ans-c

57. SAF (South Asian Federation) games in 2012 will be held at

(a) Kathmandu (b) Delhi

Ans-b

58. Agni III was launched from which of the following places: Ans : a

(a) Wheeler Island (b) Sriharikota (c) Bikaner (d) None of these

59. Who of the following is the Chairperson of National Green Tribunal?

(a) Lokeshwar Singh Parata (b) Anil Pandey

Answer-a;

60. Which Indian Company is slated to buy the English football club Blackburn?

(a) U B groups (b) RPG

Answer : d

61. Who is the Union Minister of Corporate Affairs?

(a) Murali Deora (b) Jaipal Reddy

Answer: a

62. Who is the new President Elect of BCCI?

(a) Chirayu Amin (b) Jyotiraditya Schindia

Answer: c

63. Karrar is the unmaned bomber aircraft of which country?

(a) Iran (b) Syria

Answer:a

64. Who is the CMD of Nuclear Power Corporation of India Limited?

(a) S K Jain (b) Harsh Marital

Answer: a

65. Who is the Director of Intelligence Bureau?

(a) Rajeev Mathur (b) Nehchal Sandhu

Answer: b

66. Ramagundanar thermal power project is in which state?

a) Andhra Pradesh (b) Tamil Nadu

Ans- a

67. Project Big Green has been initiated by which company?

(a) Microsoft (b) Apple

Answer:d

68. Vansadhara River dispute is between which states?

(a) Orissa and Andhra Pradesh (b) Karnataka and Tamil Nadu

Answer: a

69. Who is the Chairperson of National Housing Board?

(a) B N Kapoor (b) Mata Prasad

Ans- c

70. Who is India’s permanent representative to United Nations? Ans; a

(a) Hardeep Singh Puri (b) M.K. Agnihotri

71. Who is the principal scientific advisor to Government of India?

(a) R. Chidambaram (b) V.K. Saraswat

Ans - a

72. Who is the Chairman of Central Water Commission?

(a) Balraj Madhok (b) A.K. Bajaj

Ans - b

73. Who is the Deputy National Security Advisor?

(a) Shiv Shankar Menon (b) M.K. Narayanan

Answer: c

74. Aligarh Muslim University is going to set its new campus at:

(a) Saharanpur (b) Meerut

Ans-c

75. Who is the new Chairperson of National Commission for Backward classes?

(a) M.N. Rao (b) T.K. Maken

Ans- a

76. Who is the Chairperson of 19th Law Commission?

(a) P.V. Reddy (b) A.K. Lakshmanan

Ans- a

77. Who is the Chairman of National Commission for Protection of Child Rights?

(a) Buta Singh (b) M.K. Kurup

Answer: c

78. Mini Pravasi Bhartiya Diwas in October 2010 was held at:

(a) Cape Town (b) Durban

Answer: b

79. G-8 summit in June 2010 was held at:

(a) Ontario (b) Vancouver

Answer:-c

80. Who is the CEO of Twitter?

(a) Dick Costello (b) Jorma Olila (c) Allan Bolt (d) None of these

Ans-a

81. Which country topped the Global Peace Index Report in 2010? Ans : a

(a) New Zealand (b) Iceland (c) Denmark (d) Sweden

82. Who of the following is the recipient of Turner Prize 2010?

(a) Alex Rodriques (b) Sergie Bryan

Ans-c

83. Who is the Chairperson of Railway Board?

(a) Vivek Sahay (b) J P Batra

Ans-a

84. Who of the following is the recipient of Cervantes Prize 2010?

(a) John Stocker (b) Ana Maria

Ans-b

85. Who founded the Telangana Praja Front in October 2010?

(a) G V Rao (b) K Chandrashekhar Rao

Ans-a

86. M. B. Shah Commission is related to:

(a) Illegal mining (b) Agricultural Statistics

Ans-a

87. Who is the secretary General of Rajya Sabha?

(a) T.K. Vishwanathan (b) Vivek Agnihotri

Ans-b

Courtesy : Praveen kumar http://akulapraveen.blogspot.com/

Current Affairs and GK for IPO exam ( Q 1 - 40 )

Current Affairs and GK for IPO exam

1. Who authored the book ‘The Science of Bharat Natyam’?

(a) Saroja Vaidyanathan (b) Yamini Krishnamurthi ( c) J. Sushila (d) None of these

Answer a;

2.International Day for Disaster Reduction is observed on:

(a) 9th August (b) 13th October (c) 24th November (d) 11th December

Answer- b;

3. Tianhe 1A, the world’s fastest supercomputer is made by

(a) United States (b) Japan (c) China (d) None of these

Answer : c

4. Which is India’s first ever Pollution Control Warship?

(a) Samudra Prahari (b) Nischaya (c) Varuna (d) None of these

Answer: a

5. Who became India’s youngest grandmaster?

(a) Parimarjan Negi (b) Dronavali Harika (c) Praveen Thipse (d) S P Sethuraman

Answer: d

6. K C Kulich International Award is associated with:

(a) Medicine (b) Economics (c) Journalism (d) Sports

Answer: c

7. ‘Open’ is the autobiography of which sports personality?

(a) Adam Gilchrest b) Glenn Merges (c) Andre Agassiz (d) None of these

Ans-c

8. World Cup Football in 2022 is to be held at:

(a) Qatar (b) UK (c) Spain (d) France

Answer: a

9. Who is the first head of UN WOMEN?

(a) Laura Chinchilla (b) Julia Gillard (c) Mitchell blachettt (d) None of these

Answer: c

10.Which of the following committee is related to Corporatisation of Stock Exchanges?

(a) Bimal Jalan Committee (b) V Achuthan Committee (c) P M Nair Committee (d) None of these

Ans-a

11. Which is India’s newest stock exchange for currency derivatives?

(a) BSE (b) NSE (c) United Stock Exchange (USE) (d) None of these

Answer : c

12. Jeevan Reddy Committee is related to

(a)Illegal mining (b) Armed Forces Special Power Act (c) Environmental Impact Assessment (d) None of these

Ans-b

13. Which of the following scheme is related with social security for unorganised sector?

(a) Swabhiman (b) Sabla (c) Swavalamban (d) None of these

Ans-c

14. Polavaram Project is located in which state?

(a) Andhra Pradesh (b) Maharashtra (c) Madhya Pradesh (d) Karnataka

Answer: a

15. David Perlman Award is given in which field?

(a) Sports (b) Music (c) Photography (d) Journalism

Ans- d

16.Which of the following committee has redefined the definition of Slums?

(a) Pranab Sen Committee(b) Arjun Sen gupta committee (c) C Ibrahim Committee (d) None of these

Ans-a

17. Arrow-III is an anti missile system of

(a) France (b) Pakistan (c) Israel (d) UK

Ans-c

18. India’s first jail BPO is going to came up at:

(a) Bangalore (b) Pune (c) Chennai (d) Hyderabad

Answer: a

19.World’s first aviation university coming up at:

(a) Bangalore (b) Nice (c) Glasgow (d) Venice

Answer: a

20. Khoj lab has been launched by which group?

(a) Future Group (b) dell (c) IBM d) Times group

Answer: a

21. Which of the following became the first smoke Free State in India?

(a) Sikkim (b) Himachal Pradesh (c) Uttarakhand (d) None of these

Ans-a

22. Lightest element:- Hydrogen

Only Metal liquid at room temperature:- Hg Mercury

Tungsten symbol –W

Tin –Sn

Element with maximum number of compounds –Carbon (due to catenation)

22. Which of the following became the Ist Asian Country to sign Free Trade Agreement with European Union?

(a) South Korea (b) China (c) India (d) None of these

Ans-a

23. The Emissary’ is the book authored by:

(a) Tarun Tejpal b) Vinod Mehta (c) Aniruddh Bahl (d) None of these

Ans-c

24. Who is the new PM of Netherlands?

(a) Mark Ruttea (b) Bill Carey (c) Thakshin Sinawatra (d) None of these

Ans-a

25. Who is the new PM of Kosovo?

(a) Hashim Taci (b) N K Name Krumoh (c) Jose Borosso d) None of these

Ans-a

26. Who is the chairman of National Democratic Front of Bodoland?

(a) Paresh Barna (b) Aravind Rajakhowa (c) Ranjan Daimary (d) None of these

Ans-c

27. With which of the following countries India has not signed civil nuclear agreement?

(a) Namibia (b) Sweden c) Mongolia (d) Argentina

Ans-b

28. Who is the PM of Sweden?

(a) Fredrick Rainfeldt (b) Silvio Berlusconi (c) Garry Wanders (d) None of these

Ans-a

29. APEC Summit in November 2010 was held at :

(a) Yokohama (b) Sydney (c) Singapore (d) Busan

Answer a;

30. Which public sector bank was the banking partner in Commonwealth Games 2010?

(a) Central Bank of India (b) State Bank of India (c) Bank of Baroda (d) None of these

Answer-a;

31. Who is the new vice chief of army staff?

(a) V.K. Singh (b) A.S. Lamba (c) C. Shekhawat (d) None of these

Answer : b

32. Who has become the vice president of ICC?

(a) Ehsaan Mani (b) John Mulford (c) Alan Isaac (d) Molcom Speed

Answer: c

33. Who is the Director General of National Investigation Agency ?

(a) R.V. Raju (b) Ved Marwah (c) K.F. Rustomji (d) Sharad Chandra Sinha

Answer: d

34. Who is the Director of National Security Guard?

(a) R.K. Medhekar (b) J.K Dutt (c) B.K. Banerjee (d) None of these

Answer: a

35. Who of the following Indian got the Australia Day achievement medal 2010?

(a) V.P. Unnikrishnan (b) Sandeep Pandey (c) Vandana Shiva (d) None of these

Answer: a

36. Which of the following country became the 187th member of IMF?

(a) Marshall Islands (b) Tuvalu (c) Fiji (d) None of these

Answer: b

37. India’s second National Institute of Design will come up at which of the following

(a) Amethi (b) Jorahat (c) Aizowl (d) Itanagar

Ans- b

38. Benghazi is a port of:

(a) Libya (b) Yemen (c) Egypt (d) None of these

Answer: a

39. Jakhol Sankri Hydro Electric Project has been commissioned at

(a) Uttarakhand (b) Himachal Pradesh (c) J&K (d) Arunachal Pradesh

Answer: a

40. ‘Home Boy’ is a novel written by

(a) H M Naqvi (b) H S Narula (c) Anand Sarkar d) Stephen Lipsett

Ans- a

Courtesy : Praveen kumar http://akulapraveen.blogspot.com/

M.C. Questions On Evidence Act for IPO exam

1. A voluntarily confession is admissible in evidence (CJS 2004)
(a) When made to a police officer (b) To Magistrate having competent jurisdiction
(c) To a village sarpanch with request to save him from police
(d) Where it leads to no discovery of facts and made to the police officer

2. The presumptions will vanish when
(a) The accused adduces evidence (b) The contrary is proved
(c) The accused entering into defence (d) None of these .

3. For proving execution of a registered will (CJS 2004)
(a) Be necessary to call at least two attesting witness
(b) Be necessary to call at least one attesting witness
(c) Not necessary to call any attesting witness
(d) Be necessary to call the registrar

4. Deepak accused of committing the offence of supplying arms, informs his lawyer Shweata, that he has committed the offence and wishes her to defend him. In these circumstances (DJS 08)
(a) Shweta is duty bound to inform the police
(b) Shweta is duty bound to inform the fact to the magistrate
(c) The communication is a privileged one and protected from disclosure
(d) The criminal court can, at the instance, compel Sweta to disclose the fact

5. The function of a court of justice is
(a) To ascertain the existence or non-existence of certain facts
(b) To apply the substantive law to ascertained facts
(c) Declare the rights and liability of parties (d) All the above

6. In relation to expressions defined in S. 3 of the Indian Evidence Act which of the following statement is not correct? (CJS 2004)
(a) Facts include not only physical facts but also psychological facts
(b) Court includes Arbitrators
(c) An inscription on a stone is a document
(d) A fact is said to be not proved when it is neither proved nor disapproved

7.Evidere means
(a) to show (b) to show clearly (c) ascertain (d) signify

8. In which of the following cases the Supreme Court has held that the investigating officer should be allowed to refer to the records of investigation
(a) State of Karnataka Vs. Yarappa Reddi (b) Mohammed Khalid Vs. State of West Bengal (c) Baburam Vs. State of U.P. (d) State of Rajasthan Vs. Omprakash

9.State of Maharashtra Vs Damu Gopinatah shinde (AIR 2000 SC 1691) explained the principle embodied in
(a) Dying Declaration (b) S.27 Recovery (c) Alibi (d) None of these.

10. Law of evidence is
(a) The lex situs
(b) The lex (leges) loci contractus (the law of the place when contract is entered into)
(c) The lex fori (the law of the place where the question arises)
(d) None of these

11.Oral testimony of a witness can be
(a) Wholly reliable (b) Wholly unreliable (c) Neither a. nor b. (d) Any of the above

12. Facts can be
(a) Psychological facts (b) Physical facts (c) Physical as well as psychological facts (d) Only b. and not a.

14. 114(b) presumption deals with
(a) possession of stolen properties
(b) evidence of accomplice
(c) judicial and official acts
(d) common course of business

15. Under S. 3 of the evidence Act, Fact in issue means
(a) Fact, existence or non-existence of which is not disputed by the parties
(b) Fact, existence or non-existence of which is disputed by the parties
(c) Fact, existence or non-existence of which is admitted by the parties
(d) All the above

16. Evidence under the Indian Evidence Act means and includes
(a) Primary evidence (b) Ocular and documentary evidence or both
(c) Primary and circumstantial Evidence (d) Documentary evidence

17. Law of evidence is
(a) Substantive law (b) Adjective law (c) Procedural law (d) All the above

18.The Indian Evidence Act came into force on the territory of Goa on
(a) 15.08.1972 (b) 01.06.1964 (c) 01.08.1872 (d) 01.01.1964

19.When the recovery of weapon does not attract Sec.27 of Evidence Act, the conduct of the accused will constitute evidence under section
(a) 7 (b) 8 (c) 9 (d) 10.

20. Admissions are (CJS 2004)
(a) Conclusive proof (b) May operate as estoppels,
(c) Always irrelevant (d) None of the above

21. Section 25 of Indian Evidence Act has no application in departmental proceedings. The statement is
(a) Fully correct (b) False (c) Partly correct (d) None of these

22. Indian Evidence Act is applicable to
(a) Judicial proceedings in courts (b) Proceedings before the arbitrator
(c) Proceedings before tribunals (d) All the above

23.The court may presume that a man who is in possession of stolen goods soon after theft is either a thief or has receive the goods knowing them to be stolen, unless he can account for his possession. This presumption is contained in section
(a) 114(a) (b) 114(b) (c) 114(c) (d) 114(d)

24.Something from which fact is issue are to be inferred is called
(a) Direct evidence (b) Circumstantial evidence
(c) Proof (d) None of these .

25.Unless non-access is proved, the presumption as to legitimacy of any child born during the continuance of a valid marriage between his mother and any man is (CJS 2004)
(a) Rebuttable presumption of Law (b) Presumption of fact
(c) Mixed presumption of law and fact (d) Irrebuttable presumption of law

26. The instruments by which the court is convinced of a fact is called
(a) Document (b) Evidence (c) Proof (d) Witness

27.The power of comparison of handwriting of finger print under section 73 lies with
(a) Investigating officer (b) Court (c) Either a. or b. (d) None of these

28. An accused can discharge his burden
(a) By adducing defence evidence (b) Contradicting prosecution witnesses
(c) Relying on improbabilities of the prosecution case (d) Any of the above.

29. Which of the following sections give a presumption that judicial and official acts have been regularly performed?
(a) 114(c) (b) 114(d) (c) 114(e) (d) 114(f)

30.Statements made by the conspirators after they are arrested
(a) Are admissible under section 10 of Evidence Act (b) Not admissible
(c) Depends on the facts of the case (d) None of these

Courtesy : Praveen kumar

http://akulapraveen.blogspot.com/

Vanuatu Post - Under Water Post Office

Vanuatu Post Limited was formed in 2000 and provides postal and other services to residents and visitors to Vanuatu. The Corporation is owned by the Government of Vanuatu and operates as a commercial enterprise.

About Vanuatu

Vanuatu or the Republic of Vanuatu is an island nation located in South Pacific Ocean. Geographically Vanuatu is located in-between the Coral Sea and the South Pacific Sea. Vanuatu, an archipelago consists of close to 82 small sized islands of volcanic origin. 65 out of 82 islands are inhabited. This irregular Y shaped chain of 82 islands; with a total area of 4,710 sq miles have a total coastline of 1,571 miles. This 500 miles long island chain lies 600 miles to the west of Fiji and 250 miles to the northeast of New Caledonia. Vanuatu location map indicates the exact location of Vanuatu in the world map. Vanuatu location map shows that the Vanuatu is a part of Oceania and is about three quarters of the way from Hawaii to Australia. Inset on the Vanuatu location map shows the cluster of islands which are a part of Republic of Vanuatu.

Web Address : http://www.vanuatupost.vu/underwaterPost.html

Meghdoot - Point Of Sale - Hubmaster Utility dtd 29/07/2011

Hubmaster Utility

This section will outline about:

ü Why Hubmaster Utility?

ü How to use?

ü Prerequisite

Why Hubmaster utility

Destination hub details are printed in the Point Of Sale receipt after speed post transactions. Since the hub master details are undergoing frequent changes, a utility is kept in ftp so that whenever there is a change in the hub details, an update will be available.

How to use?

The exl file from the ftp should be downloaded and copied to the system. Counter database should be upgraded using the script tool using this file.

Prerequisite

MeghdootUpdate28032011\Pointofsale7.0\Pointofsale7.1 is a prerequisite for using the utility.

Download Link

New Banking ATM usage Rules

Over the last couple of years, the way you carry out your banking transactions has changed a lot, particularly via the new-age, technology-enabled platforms. Be it making payments online, swiping your cards at shopping outlets or withdrawing cash from ATMs (automated teller machines) – all routine transactions have become more user-friendly and secure, if not foolproof. This is thanks largely to the Reserve Bank of India's regulations to strengthen the safety infrastructure for such transactions and the steps taken by banks to encourage the use of such alternative channels instead of bank branches.

Banks are keen that ATMs are seen as more than just cash-dispensing machines. A considerable number of regulatory interventions aimed at bolstering the new-age payment framework has pertained to ATMs. Consequently, the usage of ATMs is reported to have gone up. "Post the changes in the regulation on ATM usage, we have seen an approximate four-fold increase in non-Standard Chartered customers accessing our ATMs," says Rajashree Nambiar, general manager, distribution, Standard Chartered Bank.

Concurs Shalini Mehta, executive vice-president, Kotak Mahindra Bank: "ATM usage has certainly gone up. The total transactions have increased by 106% since April 2009. Customers have adapted to ATMs as one of the most preferred channels for basic banking transactions." To make the most of this conducive environment, however, you need to be well-acquainted with all the regulations, especially the ones introduced in the recent months, governing ATM transactions.

LIMITING FREE TRANSACTIONS

First, the most recent stricture from the banking regulator – and the one that may not bring cheer to those who used their cards at ATMs of various banks indiscriminately even for nonfinancial transactions – concerns transactions at third-party ATMs. From October 2009 till June 30, card holders were allowed to carry out five free transactions per month, subject to certain limits, at third-party ATMs. However, there was no limit on non-financial transactions like balance enquiry and mini-statement.

But, effective from July 1, the free transactions will be inclusive of even non-financial operations. Any user exceeding the cap of five free transactions will be charged even for balance enquiries, mini-statements, et al. HDFC Bank, for instance, charges Rs 20 per transaction for cash withdrawal and Rs 8.50 for non-financial transactions from accountholders exceeding the free usage limit at third-party ATMs. "For savings account holders maintaining an average balance of Rs 10,000 or more, all third-party ATM transactions are free. For others, we charge Rs 20 per incremental cash withdrawal and Rs 10 for non-financial transaction after they have used their five free services per month.

But, for certain types of accounts (premium) the charges are waived off," says Sumant Kathpalia, head, consumer banking, IndusInd Bank. But, not all banks have such a differential charge structures and could levy the same charges for all kinds of transactions.

ALERTS FOR ALL TRANSACTIONS

Also effective from July 1 is another customer-friendly measure that could minimise the damage caused by misuse of lost or stolen cards. Now, banks have been asked to send SMS alerts to their customers for all transactions carried out using the card – be it online, at merchant establishments or at ATMs. Prior to this, banks sent alerts only if the value of transactions exceeded a certain limit, usually Rs 5,000. With this facility being extended to all transactions, you will be in a better position to take immediate remedial measure, that is block the lost/stolen card in case of a fraudulent transaction executed without your knowledge or consent.

COMPENSATION STRUCTURE

There have been many complaints of a card holder's account being debited despite the ATM not dispensing cash. Likewise, it is also not rare to see some banks drag-ging their feet over rectifying the erroneous debit. Therefore, the RBI has directed banks to resolve such issues in seven working days of a complaint being made, failing which the banks will have to pay a compensation of Rs 100 for each day of delay beyond the seven stipulated days. Before July 1, banks were given 12 days to correct wrong debits caused by ATM problems. However, do note that to be eligible for the compensation, you need to make the complaint within 30 days of the failed transaction.

PIN FOR ALL ATM TRANSACTIONS

From January 1, the RBI has mandated that users will have to enter their PIN for every transaction at ATMs. Earlier, you could carry out several transactions by entering the PIN just once. This effectively rules out the possibility of anyone withdrawing cash from your account in case you forgot your debit card at the ATM.

FREEING UP OF THIRD-PARTY ATMS

A regulatory change that played a key role in the explosion of ATM transactions in the country, it was implemented first in April 2009. The diktat permitted users to access all ATMs – even the ones not owned by the banks where they maintained accounts – at no cost. While very few are ignorant of this liberty they are allowed to exercise, not many have grasped the nitty-gritty.

In October 2009, however, this flexibility was curtailed to an extent when the RBIacceded to banks' requests to place restrictions on the extent of free usage. Since then, card holders have been allowed to withdraw cash up to Rs 10,000 per transaction at thirdparty ATMs free of charge. Also, free transactions at third-party ATMs have been limited to just five a month. Users carrying out more than five transactions a month will have to shell out a fee, usually about Rs 20 per transaction. As mentioned earlier, from July 1, non-financial transactions, too, will be included in this cap of five free transactions.

NOT JUST 'ANY TIME MONEY'

Banks, in an attempt to reduce the number of customers visiting branches, have enabled several services that can be availed of at ATM kiosks and, of course, bank websites. These services are not mandated by RBI regulations hence are not quick-impact ones. But such efforts by banks have also helped in shedding the perception that the sole function of ATMs is to dispense cash. Many banks allow users to perform functions like paying utility bills, fund transfers, donations to charities, etc through ATMs. "Our accountholders, for instance, can perform multiple transactions like pre-paid mobile top-up, fund transfer to any Stan-Chart account, request for cheque book or account statement, cash or cheque deposit (at select ATMs), online/mobile banking registration, etc," says Nambiar of StanChart.

Source: Economic Times & www.investmentkit.com

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Get a PAN card when the child turns 18

Permanent Account Number (PAN) is issued by the Income Tax authorities and is a mandatory requirement for financial transactions. If investments are intended to be made in the name of minor children, the PAN card of the guardian is adequate. However, once the child attains the age of 18, he has to fulfil the PAN requirements. So an application for a PAN card should be made when the child turns 18 to ensure that minor accounts and folios are converted to regular, individual accounts. Before transactions are permitted in such accounts and folios, it is mandatory to provide proof of PAN.

Application

The application for a new PAN card can be filled online and can be downloaded at http://tinyurl.com-/8bkd4

Acknowledgement form

An acknowledgement form with a 15-digit code is generated on successful completion of online application. This should be printed and affixed with the photograph and signature of applicant.

Documents

The documentary proof of address and identification will be required in the name of the applicant. It should be sent along with the acknowledgement, supporting documents and demand draft, if used, to the NSDL office in Pune.

Payment and tracking

The charge for a new PAN is Rs 94. Payment can be made online or through demand draft.The status of the application can be tracked online by using the 15-digit acknowledgement code.

POINTS TO NOTE

Deadline: The documents should be sent to the processing unit within 15 days of the completion of the online process.

Subject matter: The 15-digit code with the words 'Application for PAN' should be written on the envelope while sending to the dispatch centre.

Tax: Acquiring a PAN does not mean that income tax has to be paid. A PAN holder can be a nonassessee, depending on his income or sources.

Sunday, July 31, 2011

കവിത -Veenapoovu - Kumaaranasaan - Part 1

കവിത

Malayalam Type

Malayalam Type -ubandu .-Google Transliteration
മംഗ്ലീഷില്‍ ടൈപ്പ് ചെയ്യാന്‍ ഇവിടെ ക്ലിക്ക് ചെയ്യുക.
ടൈപ്പ് ചെയ്ത ശേഷം അവ കോപ്പി ചെയ്ത് കമെന്റ് ബോക്സിലോ മെയില്‍ ബോക്സിലോ നിങ്ങള്‍ ആഗ്രഹിക്കുന്ന സ്ഥലത്ത് പോസ്റ്റ്‌ ചെയ്യുക.
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