Scholorship for Meritorious CBSE Class XII passed Students

CBSE (Central Board of Secondary Education) has issued an important circular (CBSE/CU/INSPIRE-2012/ dated 20.06.2012) relating to Scholarship for Higher Education for the students who have passed Class XII examination in the year 2012 by securing 471 marks or more (out of 500).

As per this circular The Department of Science Technology (DST) would award this scholarship to the meritorious students who have secured the cut-off mark of 471 or more and enroll themselves for the basic science courses (B.Sc or Integrated M.Sc courses).

Obviously, award of this scholarship by DST is to encourage students to pursue basic science courses. As per the Education Experts, there is a vacuum in Education on Basic Sciences as Bright students are put by default for the race of admission to Professional Courses such as Engineering in IIT, NIT etc. Consequently, the Basic Science courses faces dearth of good talents

The circular dated 20.06.2012 issued by CBSE relating to award of scholarship by DST is as follows.

CENTRAL BOARD OF SECONDARY EDUCATION

(An Autonomous Organisation under the Union Ministry of Human Resource Development Govt. of India)

“SHIKSHA KENDRA”, 2, COMMUNITY CENTRE, PREET VIHAR, DELHI – 110092

CBSE/CU/INSPIRE-2012/ 20th June, 2012

Subject : Scholarship for Higher Education (SHE)

The Department of Science and Technology (DST), Ministry of Science and Technology, Government of India awards Scholarship for Higher Education (SHE) under Innovation in Science Pursuit for Inspired Research (INSPIRE) to the students who are within the top 1% at Class XII examination conducted by the Board during the academic session ending March/April 2012.

The candidates of Central Board of Secondary Education, Delhi who have passed Class XII examination 2012 and are within top 1% (Cut-off score- 471 marks excluding 6th Additional subject) are eligible for the scholarship.

Letters to eligible Candidates along with ” Advisory Note to the Candidate for Eligibility in Scholarship for Higher Education (SHE) Component under INSPIRE Scheme” have been sent to the school from where they studied Class XII during the academic session ending March/April 2012.  The candidates may collect the same from the school Principal.

Performance in top 1% in Class XII Board Examination and enrolment into education in Basic and Natural Science courses at B.Sc./Integrated M.Sc. or M.S. levels qualify eligibility automatically for Scholarship for Higher Education of GOI valued at Rs. 80,000 per year for five years.

If enrolled into Bachelor or Integrated Master’s level programmes in Basic and Natural Science courses (like Mathematics or Statistics or Physics or Chemistry or Life Sciences (Botany and Zoology), in any University or College in India recognized by UGC, India, the candidate is advised to register for Scholarship for Higher Education (SHE) through on-line registration at http://www.inspiredst.gov.in/requirement.html or through an application to the Department of Science and Technology http://www.inspire-dst.gov.in/inspire-advertisement.pdf by downloading the application and attaching this Advisory Note and avail the eligibility for scholarship.

Details of the scholarship scheme are available at www.inspire-dst.gov.in, http://www.inspiredst.gov.in/requirement.html

(B M GUPTA)
Advisor

 Courtesy : //www.gconnect.in/

MODEL QUESTIONS FOR IPO EXAM -POSTAL MANUAL VOLUME II (QNo 26-50)

POSTAL MANUAL VOLUME II (Q No 26-50)

26.       A general stock book (Form SK 1 ) must be kept in

            a)         Head office only                               b)         Sub office only

            b)         Store depot only                               d)         Every office              

             Ans:d(272)

27.       Bags should not be entered in the general stock book in the offices which have been authorised by the ____to maintain the special form of stock register of bags ____

a)                 Superintendent , SK 2

b)                 Superintendent, SK1

c)                  Head of the Circle,  Form S.K.-1 (a)

d)                 None of these.                                                             

                                  Ans:c(272)

28.       Officers in charge of offices should prepare indents on the Depot, in form

a)         SK-2                                                   b)         SK-1(a)

            c)         SK-3                                                   d)         SK-4.           

                         Ans:a(277)

29.       Indents for articles of stock are considered emergent indents should be submitted on

            a)         1^st of the every month                     b)         Once in a quarter

            c)         Half yearly                                         d)         No fixed date          

              Ans:d(277)

30.       Emergency indent should be prepared in

            a)         Single copy                                       b)         Duplicate

            c)         Triplicate                                            d)         Quadruplicate           

            Ans:c(277)

31.       Mark the correct option

a)                 Not more than one indent for the same office should be submitted in a month

b)                 Superintendents prepare indents for the articles required for themselves and for their inspectors.

c)                  The indent for replacement of an article of stock which is lost or damaged through the fault of a postal official and the cost of which is recovered and credited to Government

d)                 Except in the case of a branch office, be sent by the post office concerned direct to the Stores Depot accompanied by a certificate from the head postmaster giving particulars of the credit of the cost of the article including the number and date of the authority for the recovery of the same

e)                 All the above                                                                                     

            Ans:e(278)

32.       Mark the correct option

a)                 Indents prepared by first class postmasters do not require countersignature and should be forwarded direct to the Depot

b)                 In the case of a mail line, the indent should be forwarded by the postmaster of the principal terminal office, whether it is a first class head office or not, to the Superintendent in charge of the line for countersignature

c)                  Both the A and B

d)                 None of these                                                                                  

             Ans:c(279)

33.       Articles of stock indented for, the supply of which has been sanctioned by the Head of the Circle, will be received direct from the Depot, with an invoice

            a)         Form SK 4                                                     b)         Form SK 1(a)

            b)         Form SK 5                                                     c)         Form SK3     

             Ans:c(282)

34.       The duplicate copy of the invoice (Form S. K.-3) should be duly receipted by the _______ and returned to the ______

a)                 Indenting officer, Circle office

b)                 Indenting officer, Audit office

c)                  Indenting officer, Divisional office

d)                 Indenting officer, Depot                                                                 

             Ans:d(283)

35.       The Head of the Circle must prescribe the ________ for which forms are to be supplied to each offices in the circle

            a)         Quarterly                                                        b)         Yearly

            c)         Two six monthly period                               d)         None of these 

          Ans:c(286)

 35.       Mark the correct option

a)                 A copy of the Master Schedule of Forms will be supplied to the Stores/Stock Depot concerned for its guidance in supplying forms or in checking the indents

b)                 No alteration will be made in the Master Schedule without the previous sanction of the officer by whom it was supplied

c)                  The Master Schedule of Forms will, however, be thoroughly reviewed after every 5 years and the changes ordered during the intervening period will be incorporated, and the revised Master Schedule of Forms will be supplied to each office

d)                 All the above                                                                                            

     Ans:d(288)

36.       An indent in Form SK 85 in duplicate will be placed direct on eh

            a)         Store depot                                                    b)         Circle office

            c)         Supplying agency                                       d)         None of these    

       Ans:c(289)

37.       The postal stores form and seals are supplied by

            a)         Postal store depot Calcutta                        b)         Postal store depot Nasik

            c)         Postal store depot Aligarh                          d)         All the above   

          Ans:d(292)

38.       The forms will be supplied to each office direct by the

            a)         Head office                                                   b)         Divisional office

            c)         Postal stock/store depot                              d)         None of these   

        Ans:c(296)

39.       Forms for the  branch post office will be supplied by the

            a)         Any SO                                                          b)         Their account office

            c)         Sub divisional office                                               d)         HO                              Ans:d(296)

40.     The supplies of forms by the Postal Stores/Stock Depots will be accompanied by

           

            a)         An acknowledgement                                 b)         Issue voucher

            c)         Two copies of invoice                                 d)         Deposit voucher       Ans:c(298)

 

41.       The bags, in which forms are received, should at once be returned to the Stock Depot

a)                 Filled with unserviceable article

b)                 Empty

c)                  Either A or B

d)                 No need to return                                                                            

             Ans:c(299)

42.       Invoice of articles returned to the Depot (Form S.K.-3) should be prepared in

            a)         Single copy                                       b)         Duplicate

            c)         Triplicate                                            d)         Quadruplicate           

            Ans:c(302)

  

43.       Every postmaster or record clerk, as the case may be, should at least once in every _______, count and examine the bags of his office and satisfy himself that they are correct and in once in serviceable condition and that bags of suitable sizes are kept in stock

                                                                       

            a)         Month                                                 b)         Quarter

            c)         Six month                                          d)         Year                    

                    Ans:b(313)

44.       Black and magenta stamping-ink will be supplied by the

            a)         Divisional office                               b)         Circle office

            c)         Stock depot                                       d)         None of these        

              Ans:c(318)

45.       The hand bags supplied to

            a)         Sorting assistant                              b)         Mail guards

            c)         Van peons                                        d)         All the above      

                   Ans:d(382)

46.       Indents for stationery should ordinarily be submitted

            a)         Monthly                                              b)         Quarterly

            c)         Half yearly                                         d)         Yearly                      

               Ans:b(371)

47.       Indent of stationery of form SK11 prepared in

            a)         Single copy                                       b)         Duplicate

            c)         Triplicate                                            d)         Quadruplicate                

       Ans:b(372)

48.       Cost of stationery inspector and Asst Supdt of post office holding independent charge of sub division

            a)         Rs 100 pm                                         b)         Rs 200pm

            c)         Rs 500pm                                          d)         No limit                   

                Ans:b

49.       Security bond of postal officials, duly endorsed by the Supdt or First Class postmaster should be kept by the ________ concerned

            a)         Post master of the Head post office          b)         Inspector of sub division

            c)         O/o Suptd                                                      d)         None of these 

          Ans:a

50.       SB passbooks relating to securities furnished by mail contactos should be kept in the safe custody of the _____which draw and disburse in subsidy

a)                 Head post office                               b)         SPOs

c)         SDI (P)                                               d)         None of these         

              Ans:a

(Prepared by AB Kantharaja, Mobile 08969822340, http://abkantharaja.blogspot.in)

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Saving Schemes Information & Maturity Values w.e.f 01.04.2012

View Download : Page 1 , Page 2 

Thanks to mr. C. Siva Kabeer, PA Gooty RS, Ananthapur Dn.

ACT UNDER BRITISH RULE - STUDY MATERIAL FOR VARIOUS DEPARTMENTAL EXAMINATION

Regulating Act, 1773-First step taken by the British Government to control and regulate the affairs of the East India Company in India

Pitt's India Act, 1784 It was introduced to remove the drawbacks of the Regulating Act

Charter Act, 1813  Monopoly of the Company's trade abolished except trade in tea & trade with China

Charter Act, 1833 It made the Governor-General of Bengal as the Governor-General of India.

Charter Act, 1853 The legislative and executive functions of the Governor-General's Council were separated.

Government of India Act, 1858 This Act transferred the Government territories and revenues of India from the East India Company to the British Crown.

Indian Councils Act, 1861 Governor- General's Executive Council should have some Indians as the non-official members while transacting the legislative businesses.

Indian Councils Act, 1892  Enlarged the functions of the Legislative Councils and gave them the power of discussing the Budget and addressing questions to the Executive

Indian Councils Act, 1909 This Act is also known as the Morley-Minto Reforms (Lord Morley was the then Secretary of State for India and Lord Minto was the then Governor- General of India). Introduction of an element of direct elections to the Legislative Councils

Government of India Act, 1919  This Act is also known as the Montague Chelmsford Reforms. Montague was the then Secretary of State and Lord Chelmsford was the then Governor General of India. The act was meant to provide "Responsible Govt". in India

Government of India Act of 1935  The Act provided for the establishment of an 'All-India Federation' consisting of the Provinces and the Princely States as the units.

Indian Independence Act of 1947 It declared India as an Independent and Sovereign State

Collected by  S Jayachandran  , SA , Mavelikara Division, 690101 9961464279

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Revised charges of bank and its impact on you

After petrol, the price hike bug has bitten the banks too, with several of them raising their charges in the recent past. "Banks have increased the service charges as the RBI has imposed several conditions on services, such as the daily interest payment and five free ATM transactions. As a result, the interest outflow of banks has increased and added to the cash flow. This has to be recovered," says K Unnikrishnan, deputy chief executive, Indian Banks' Association.

Banks have also introduced fees for services which were available for free till now. For instance, ICICI Bank had allowed inter-bank mobile payments for free, but will now charge Rs 5 per transaction. Here are some services that will be more costly.

Revised minimum balance

A big change is that you will now need to maintain an average monthly balance (AMB) instead of an average quarterly balance (AQB). The amount, however, remains the same. So, if you had to maintain an average of Rs 20,000 in your account in a quarter earlier, you will now need to keep this amount every month. If the balance drops even for two days, you might be penalised.

The penalty for non-maintenance has inched up too. Kotak Mahindra Bank has increased the charges for non-maintenance of quarterly balance to Rs 750-1,000, depending on the percentage of balance, up from Rs 600 charged earlier. Some banks have shifted to a monthly system. From Rs 750 a quarter, the penalty for non-maintenance has increased to as high as Rs 350 a month. However, there's a benefit here. "This provides customers a chance to reduce the penalty they pay. So if you had paid Rs 750 for a fall in AQB in your account, you will now pay only Rs 250 for a month if the AMB drops. Thereafter, if you correct the situation for the next two months, you save about Rs 500," says Anindya Mitra, senior vice-president, retail liabilities, HDFC Bank.

Instead of quarterly, monthly is the new norm for most service charges. Earlier, you were allowed 12 branch transactions free in a quarter. However, now most banks have imposed a limit of four free transactions in a month, and all extra transactions will be charged. Even the fee for this has been hiked from Rs 50-60 to Rs 75-90.

Keeping an eye on your branch transactions is even more important if you're careless about the average balance in your account. For instance, HDFC Bank allows five cash transactions free in a month if you maintain the AMB, but if you fail to do so, you can only transact twice. Similarly, ICICI Bank earlier allowed three free cash transactions at branches and charged Rs 60 per transaction subsequently. Currently, the bank allows only two free cash transactions at a branch and levies Rs 90 per transaction after this.

Dormant accounts

You will have to pay for non-operational accounts too. HDFC Bank levies a fee of Rs 50 per quarter if your bank account has been unused for a year, while HSBC Bank charges Rs 150 per quarter if an account has been dormant for two years. Standard Chartered Bank charges Rs 1,000 a year for such accounts and the same amount per quarter for unclaimed funds. Also, make sure you update your contact details, especially the address, because if a letter sent to you is not received, you will have to pay Rs 50 per instance.

Credit card charges

If you have a credit card, leaving it idle may do you more harm than good. Standard Chartered Bank now levies a non-usage fee of Rs 250 if a credit card has not been used for a year. If the card has not been swiped within the first three months of it being issued, you will have to pay Rs 250. The bank has also upped its late payment fee in May this year from Rs 350-500 to Rs 500-600, depending on the outstanding amount. It has doubled the charge slip retrieval fee to Rs 200.

Banks have initiated a charge on credit card reward point redemption too. Currently, Axis Bank levies a fee of Rs 30 for each redemption request, while Standard Chartered Bank has increased the reward handling charges to Rs 99 from Rs 50.

Good news

There's relief on some fronts as banks have waived some dues. Intercity clearing charges have been removed and mobile banking services are free. At HDFC Bank and HSBC Bank, balance enquiry is free at all branches. In case of HDFC Bank, if your account balance is Rs 50,000 or more, transactions like NEFT, RTGS, cheque deposit and fund transfer are free. "A bank will be willing to forgo charges if a customer has a good relationship with it. Usually, the criterion is a high minimum balance," says Harsh Roongta, CEO, Apnapaisa.com.

Earlier, charges were deferred if you had a fixed deposit equivalent to the minimum balance. However, if you want to avail of this benefit now, you will need to open an FD of a higher amount. For instance, ICICI Bank waives fees for a Silver account, where the AMB is Rs 25,000 if you have an FD worth Rs 1.25 lakh or more.

 What you can do

If your bank has imposed a charge, tally it with the prescribed charges list, a copy of which is usually mailed by the bank to you at the end of the financial year. This is also displayed at the bank branch and on the website. Also, make sure that you were informed about the revised rates 30 days before you were asked to pay the new fee. Though you can't complain about the charges being unreasonable, if you are unconvinced about the bank revising its charges, you can close your account. The Banks' Code of Commitment states,"If we have made any change, we will notify the customer about this within 30 days. If this is to your disadvantage, you may, within 60 days and without notice, close your account or switch it without having to pay any extra charges or interest."

One way to avoid or reduce transaction costs is to use phone banking, Net banking and ATMs for services such as duplicate statements and stop payment of cheques, as these are usually free or can be availed of at a reduced cost through these mediums. It will also help to link your accounts and pay through ECS for bank-related activities, such as demat account annual maintenance charges (AMC). Axis Bank, in its schedule of charges, states, "The customers who have not opted for direct debit of charges from the Axis Bank account will have to pay Rs 2,500 instead of the regular AMC of Rs 500."

Source: Economic Times Courtesy : www.investmentkit.com/

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