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What is Sukanya Samriddhi Yojana (SSY)?

Sukanya Samriddhi Yojana (SSY) is a small deposit scheme for the girl child launched as a part of the 'Beti Bachao Beti Padhao' campaign. It also provides income-tax with the benefit under section 80 C of the Income Tax Act,1961. Even the returns are tax-free in the scheme.

A Sukanya Samriddhi Account can be opened any time after the birth of a girl till she turns 10, with a minimum deposit of Rs 250 (Earlier it was Rs 1,000). In subsequent years, a minimum of Rs 250 and a maximum of Rs 1.5 lakh can be deposited during the ongoing financial year. The account can be opened in any post office or authorised branches of commercial banks. It will remain operative for 21 years from the date of its opening or till the marriage of the girl after she turns 18.

To meet the requirement of her higher education expenses, partial withdrawal of 50 per cent of the balance is allowed after she turns 18.

How much can be deposited in the account?

The account can be opened with an initial deposit of Rs 250and thereafter, any amount in multiple of Rs 100 can be deposited, subject to the condition that a minimum of Rs 250 will be deposited in a financial year, but the total money deposited in an account on a single occasion or on multiple occasions will not exceed Rs 1,50,000 in a financial year.

What is the mode of deposit?

The deposit in the account can be made in cash or by cheque or demand draft and an endorsement on the back of such an instrument has to be made and signed by the depositor, indicating the name of the account holder and the account number in which the deposit is to be credited.

How is the interest rate on deposits calculated?

The government fixes interest rates on a quarterly basis based on the G-sec yields. The interest rate spread that the SSY enjoys over the G-sec rate of comparable maturity is 75 basis points.

Eligibility for SSY Account

The following are the key eligibility criteria for opening an SSY Account as part of the Beti Bachao, Beti Padhao Yojana:

• Sukanya Samriddhi Account can be opened only in the name of the girl child by her parents or legal guardians
• The girl child must be below the age of 10 at the time of account opening
• Multiple Sukanya Samridhhi accounts cannot be opened for a single girl child
• Only two SSY accounts are allowed for a family i.e. one for each girl child

How to Download SSY Application Form Online

Sukanya Samriddhi Yojana Account Application form can be downloaded from various sources such as:

• The Reserve Bank of India Website
• The India Post Website
• Individual websites of public sector banks (SBI, PNB, BoB, etc.)
• The websites of participating private sector banks (e.g. ICICI Bank, Axis Bank and HDFC Bank)

While there are multiple sources for downloading the SSY application form, the fields in the form will be the same regardless of source.

Under what circumstances can the account be closed prematurely?

In the event of the death of the account holder, the account will be closed immediately on the production of a death certificate issued by the competent authority and the balance in the account will be paid, along with the interest till the month preceding the month of the premature closure of the account, to the guardian of the account holder.

Key Features of Sukanya Samriddhi Yojana

• If an SSY account holder is unable to make even the minimum deposit of Rs.250 in a financial year, his/her account will be termed as a ‘Default Account’. Till the maturity date, this default account will earn the interest rate as applicable in the scheme.
• Premature closure of SSY accounts can only be processed in case of death of the girl child or in some cases- Medical treatment of the girl child against some life-threatening disease - Death of the guardian
• A girl child can operate her own account after the age of 18 years. Once she is 18 years old, she is eligible for operating the SSY after submitting all the necessary documents to the post office/bank where the account is being held. When will the account mature?

The account matures on the completion of 21 years from the date of opening or whenever the girl child gets married, whichever is earlier, subject to the following:

• It is also provided that where the marriage of the account holder takes place before the completion of such a period of 21 years, the operation of the account will not be permitted beyond the date of her marriage.
• Provided further that where the account is closed before the completion of 21 years, the account holder will have to give an affidavit to the effect that she is not below 18 as on the date of closing of an account. On maturity, the balance, including the interest outstanding in the account will be payable to the account holder on the production of withdrawal slip along with the passbook

For more information please visit: Sukanya Samriddhi Yojana(SSY)

Disclaimer: For complete information, please contact the issuer before applying for the scheme. Also, rules are subject to change and accordingly impact the buying decision.

How to Merge 2 or more EPF Accounts

Change in employment and multiple job changes will lead to opening several Employees Provident Fund (EPF) accounts by various employers. Having multiple provident fund account and handling them is a tough thing as the account is subject to becoming inactive if no contributions are made to it for 36 consecutive months.

The Employee Provident Fund Organisation (EPFO) has come up with a resolution to this problem by merging multiple provident funds accounts for each member.

How to Merge Old EPF Accounts? 

The introduction of the Universal Account Number (UAN) has eased the way of merging all the old EPF accounts on the EPFO website. The UAN is an exclusive lifetime 12- digit account number which is provided to each member of the Employees' Provident Fund Organisation. Using the UAN employees can manage their provident fund account. The UAN will be issued by the Ministry of Employment and Labour under the Government of India. These UAN will be specified on the employee’s salary slip.

Please follow below mentioned 8 steps to Merge Old EPF Accounts:

1. Please login to the EPFO Portal using your username and password.
2. After logging in click on the 'One Member - One EPF Account (Transfer Request)' button which comes under Online Services Section
3. Continue further and verify your personal information and provident fund (PF) account details for the present employer.
4. Either you can choose your 'Previous Employer' or 'Present Employer' for attesting the claim form (based on the availability of authorized signature holding). Choose the Present Employer, now enter your 'Old PF Account Number'.
5. After this click on 'Get Details', all the details connecting to your former PF account will appear.
6. Progress further and go to Step 2 Column and Click on 'Get OTP' option, a one-time password will be sent to your registered mobile number.
7. Once you enter the OTP sent to your registered mobile number, click on the 'Submit' button.
8. After this, your request for PF (Provident Fund) account merger will be successfully submitted. Your transfer claim status will appear on the screen and the same can be downloaded in 'Form 13' for future references. This form will include your PF number details of both current and previous employment.

https://unifiedportal-mem.epfindia.gov.in/memberinterface/

Please Note: Members should have updated their KYC details on the website to use all the benefits of provident fund. It is obligatory, that your UAN should be seeded with bank accounts, Aadhaar and PAN Card. The account merging facility will be available 3 days after the activation of UAN.

FAQs on PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA

• What is the nature of the scheme? The scheme will be a one year cover Term Life Insurance Scheme, renewable from year to year, offering life insurance cover for death due to any reason. 

• What would be the benefits under the scheme and premium payable? Rs.2 lakhs is payable on a subscriber’s death due to any reason. The premium payable is Rs.330/- per annul per subscriber. 

• How will the premium be paid? The premium will be deducted from the account holder’s savings bank account through ‘auto debit’ facility in one instalment, as per the option to be given on enrolment. Members may also give one-time mandate for auto-debit every year till the scheme is in force, subject to re-calibration that may be deemed necessary on review of experience of the scheme from year to year.

• Who will offer / administer the scheme? The scheme would be offered / administered through LIC and other Life Insurance companies willing to offer the product with necessary approvals on similar terms, in collaboration with participating Banks. Participating banks will be free to engage any such life insurance company for implementing the scheme for their subscribers. 

• Who will be eligible to subscribe? All savings bank account holders in the age 18 to 50 years in participating banks will be entitled to join. In case of multiple saving bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one savings bank account only. 

• What is the enrolment period and modality? Initially on launch for the cover period from 1st June 2015 to 31st May 2016 subscribers are expected to enroll and give their auto-debit option by 31st May 2015, extendable up to 31st August 2015. Enrolment subsequent to this date will be possible prospectively on payment of full annual payment and submission of a self-certificate of good health. Subscribers who wish to continue beyond the first year will be expected to give their consent for auto-debit before each successive May 31 st for successive years. Delayed renewal subsequent to this date will be possible on payment of full annual premium and submission of a self-certificate of good health.

• Can eligible individuals who fail to join the scheme in the initial year join in subsequent years? Yes, on payment of premium through auto-debit and submission of a self-certificate of good health. New eligible entrants in future years can also join accordingly. 

• Can individuals who leave the scheme rejoin? Individuals who exit the scheme at any point may re-join the scheme in future years by paying the annual premium and submitting a self declaration of good health. 

• Who would be the Master policy holder for the scheme? Participating Banks will be the Master policy holders. A simple and subscriber friendly administration & claim settlement process shall be finalized by LIC / chosen insurance company in consultation with the participating bank. 

• When can the assurance on life of the member terminate? The assurance on the life of the member shall terminate / be restricted accordingly on any of the following events: i. On attaining age 55 years (age near birth day), subject to annual renewal up to that date (entry, however, will not be possible beyond the age of 50 years). ii. Closure of account with the Bank or insufficiency of balance to keep the insurance in force. iii. In case a member is covered through more than one account and premium is received by LIC / insurance company inadvertently, insurance cover will be restricted to Rs. 2 Lakh and the premium shall be liable to be forfeited. 

• What will be the role of the insurance company and the Bank? i. The scheme will be administered by LIC or any other Life Insurance company which is willing to offer such a product in partnership with a bank / banks. ii. It will be the responsibility of the participating bank to recover the appropriate annual premium in one instalment, as per the option, from the account holders on or before the due date through ‘auto-debit’ process and transfer the amount due to the insurance company. iii. Enrolment form / Auto-debit authorisation / Consent cum Declaration form in the prescribed proforma, as required, shall be obtained and retained by the participating bank. In case of claim, LIC / insurance company may seek submission of the same. LIC / Insurance Company also reserve the right to call for these documents at any point of time.

• How would the premium be appropriated? Insurance Premium to LIC /other insurance company: Rs.289/- per annul per member, Reimbursement of Expenses to BC/Micro/Corporate/Agent : Rs.30/- per annul per member, Reimbursement of Administrative expenses to participating Bank: Rs.11/- per annul per member. 

PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA

DETAILS OF THE SCHEME: The scheme will be a one year cover, renewable from year to year, Insurance Scheme offering life insurance cover for death due to any reason. The scheme would be offered / administered through LIC and other Life Insurance companies willing to offer the product on similar terms with necessary approvals and tie ups with Banks for this purpose. Participating banks will be free to engage any such life insurance company for implementing the scheme for their subscribers. 

Scope of coverage: All savings bank account holders in the age 18 to 50 years in participating banks will be entitled to join. In case of multiple saving bank accounts held by an individual in one or different banks, the person would be eligible to join the scheme through one savings bank account only. Aadhar would be the primary KYC for the bank account. 

Enrolment period: Initially on launch for the cover period 1st June 2015 to 31st May 2016, subscribers will be required to enroll and give their auto-debit consent by 31st May 2015. Late enrollment for prospective cover will be possible up to 31st August 2015, which may be extended by Govt. of India for another three months, i.e. up to 30th of November, 2015. Those joining subsequently may be able to do so with payment of full annual premium for prospective cover, with submission of a self-certificate of good health in the prescribed proforma. 

Enrolment Modality: The cover shall be for the one year period stretching from 1st June to 31st May for which option to join / pay by auto-debit from the designated savings bank account on the prescribed forms will be required to be given by 31st May of every year, with the exception as above for the initial year. Delayed enrollment with payment of full annual premium for prospective cover may be possible with submission of a selfcertificate of good health. 

Individuals who exit the scheme at any point may re-join the scheme in future years by submitting a declaration of good health in the prescribed proforma. 

In future years, new entrants into the eligible category or currently eligible individuals who did not join earlier or discontinued their subscription shall be able to join while the scheme is continuing, subject to submission of self-certificate of good health. 

Benefits: Rs.2 lakhs is payable on member’s death due to any reason 

Premium: Rs.330/- per annum per member. The premium will be deducted from the account holder’s savings bank account through ‘auto debit’ facility in one instalment, as per the option given, on or before 31st May of each annual coverage period under the scheme. Delayed enrolment for prospective cover after 31st May will be possible with full payment of annual premium and submission of a self-certificate of good health. The premium would be reviewed based on annual claims experience. However, barring unforeseen adverse outcomes of extreme nature, efforts would be made to ensure that there is no upward revision of premium in the first three years. 

Eligibility Conditions:

• a) The savings bank account holders of the participating banks aged between 18 years (completed) and 50 years (age nearer birthday) who give their consent to join / enable auto-debit, as per the above modality, will be enrolled into the scheme. 
• b) Individuals who join after the initial enrollment period extending up to 31st August 2015 or 30th November 2015, as the case may be, will be required to give a selfcertification of good health and that he / she does not suffer from any of the critical illnesses as mentioned in the applicable Consent cum Declaration form as on date of enrollment or earlier.

Master Policy Holder: Participating Banks will be the Master policy holders. A simple and subscriber friendly administration & claim settlement process shall be finalized by LIC / other insurance company in consultation with the participating bank. 

Termination of assurance: The assurance on the life of the member shall terminate on any of the following events and no benefit will become payable there under: 

1. On attaining age 55 years (age near birth day) subject to annual renewal up to that date (entry, however, will not be possible beyond the age of 50 years). 
2. Closure of account with the Bank or insufficiency of balance to keep the insurance in force. 
3. In case a member is covered under PMJJBY with LIC of India / other company through more than one account and premium is received by LIC / other company inadvertently, insurance cover will be restricted to Rs. 2 Lakh and the premium shall be liable to be forfeited. 
4. If the insurance cover is ceased due to any technical reasons such as insufficient balance on due date or due to any administrative issues, the same can be reinstated on receipt of full annual premium and a satisfactory statement of good health. 
5. Participating Banks shall remit the premium to insurance companies in case of regular enrolment on or before 30th of June every year and in other cases in the same month when received.

Administration: The scheme, subject to the above, will be administered by the LIC P&GS Units / other insurance company set-ups. The data flow process and data proforma will be informed separately. 

It will be the responsibility of the participating bank to recover the appropriate annual premium in one installment, as per the option, from the account holders on or before the due date through ‘auto-debit’ process. 

Members may also give one-time mandate for auto-debit every year till the scheme is in force. 

Enrollment form / Auto-debit authorization / Consent cum Declaration form in the prescribed proforma shall be obtained and retained by the participating bank. In case of claim, LIC / insurance company may seek submission of the same. LIC / Insurance Company reserves the right to call for these documents at any point of time. 

The acknowledgement slip may be made into an acknowledgement slip-cum-certificate of insurance. 

The experience of the scheme will be monitored on yearly basis for re-calibration etc., as may be necessary. 

Appropriation of Premium: 

• Insurance Premium to LIC / insurance company : Rs.289/- per annum per member 
• Reimbursement of Expenses to BC/Micro/Corporate/Agent : Rs.30/- per annum per member 
• Reimbursement of Administrative expenses to participating Bank: Rs.11/- per annum per member

The proposed date of commencement of the scheme will be 1st June 2015.The next Annual renewal date shall be each successive 1st of June in subsequent years. 

The scheme is liable to be discontinued prior to commencement of a new future renewal date if circumstances so require.  

How to determine if an egg is fresh or not

How To Print Your Aadhaar Card Online

 Print Your Aadhaar Card Online in 4 simple steps...

 

Click on this link AADHAAR CARD, Then please enter the following details:

1. Enrollment number with date and time.
2. Name as per enrollment slip
3. Pin code as per enrollment slip,
4. Text as shown in that screen and then press submit button

It will go to the next screen and Please entered your mobile number. You will receive a SMS (Password/OTP) then please enter the OTP and download or Print.

10 Tips to save Mobile Battery

If you're expecting a call and your battery icon starts blinking, the first thing you should do is find a charger. But if that's not an option, here are ten things you can do to hang on. We'll skip the usual tips about the 'memory effect' and which battery type is better NiCd or Li-Ion because you don't really have a choice in that.

Close Background Applications: if you're using a Smartphone, close applications that you don't need. Applications that stays active in the background use up a bit of CPU, which uses up battery. Make sure you 'exit' the applications from the menu, not by pressing the 'End' key, as that merely puts the application in the background. In Series 60 Smart phones (mostly Nokia, hold down the 'Menu' key to get a list of all applications running in the background to close them. In Windows Mobile 5 phones, open the 'Memory' application and check the 'Running programs' tab to close them.

Turn down Screen Brightness: The screen is one of the most power-consuming parts of the mobile phone. The lower the brightness, the lesser power it needs. Keep it as low as you can, so long as you can still see it! Also, some phones like the E61 and the BlackBerry Pearl come with auto-adjust features that increase the brightness in brightly lit areas and dim it in low-light areas. If you're setting the brightness low, make sure that auto-adjust is turned off.

Don’t Use Animated Wallpapers or Screensavers: The animations in wallpapers and screensavers can drain a bit of battery as they also consume a wee bit of CPU. Turn them off.

Turn Off Keypad Lights: if you've been using the phone for a while, you may be able to use the keys without seeing them. If this is the case, the keypad backlight can be turned off. However, not a lot of phones support this, but it's worth considering if your phone does.

Decrease Screen Standby Time Out: The time till your screen dims out and/or gets turned off is configurable in most phones. 10 seconds is good, 5 seconds is better. Set it as low as you can go without it becoming inconvenient.

Turn Off Vibration: probably the second most power-consuming feature of any mobile phone is the built-in vibration alert. See if you can do without it.

Turn down Ringer Volume, Keypad Tones and Speaker During Calls: If you're mostly indoors, like in the office or at home, a low ringer volume can go a bit towards saving your battery. Most phones also have DTMF-like keypad tones, which are not necessary if the keypad has decent tactile feedback. I keep them turned off most of the time — you can try it too. Volume of the earpiece when you're on a call can also be lowered, and that helps too.

Disable Voice Clarity / EFR / Voice Privacy: Almost all phones now do Enhanced Full Rate (EFR) for voice communication that consumes a little more power. In most cases, the enhanced quality of EFR doesn't make a difference thanks to the high noise levels in our city. Keep it off, you probably won't miss it. Some phones (mostly Samsung's) have a 'voice privacy' feature which can also be turned off to save battery.

Turn off 3G / GPRS / EDGE: most 3G/UMTS/WCDMA phones keep searching for 3G coverage by default. In India, they'll keep searching till 2008, draining your battery, so go to the network selection screen and choose GSM-only. If your phone has a secondary camera near the screen, it's a 3G phone. Check your phone€™s specs on the website if you aren't sure. Sometimes, even regular GPRS or EDGE connections stay active in the back, so make sure you specifically disconnect when you're done browsing the web.

What Is Doodle?

Doodle 4 Google - My India: At Google, we like to reflect the ever-changing world of our users through the logo designs on our homepage. These ‘doodles’ celebrate scientists, artists, local events or special

We’re now giving you a chance to design a doodle for us, through our doodle competition, Doodle 4 Google. If you are currently a student in any school in India (between the 1^st and 10^th standards), then this is your chance to have your doodle be displayed on the Google India homepage. The theme of this competition is 'My India'. We'd love to see what your country means to you when represented in a doodle. Whether it’s music or dance, famous Indian art, Mahatma Gandhi, the Taj Mahal, cricket, our scientific achievements or the Indian people as a community- we’re interested in seeing these representations of what India means to you and how you represent it using images.

The best doodles will be voted on by a panel of judges as well as by the Indian public, and the winning doodle will be featured on the Google India homepage for a day, to be viewed by millions of people. The final winner will also win his or her very own laptop (and a technology grant for their school)!!!!!!!!!!

Doodle Resources

Templates and sample doodles

Template for rough practice

Download this template for rough practice: Download [PDF]

Logo templates for your final doodle

Download and print these outline logos of the Google logo to draw your final doodle on. You can use any of these templates for your doodle, depending on the nature of your design:Download [ZIP]

Sample Google doodles

View some sample doodles that have been used on the Google homepage in the past (as a reference): Download [ZIP]

Tips to create your doodle

• Class 1-3: Download [PDF]

• Class 4-6: Download [PDF]

• Class 7-10: Download [PDF]

Judging and Prizes

Judging criteria: Your doodle will be evaluated on the following criteria:

• Artistic merit - based on age, drawing skills and use of colour.
• Creativity - based on your representation of the theme and use of the Google logo.
• 'My India' communication - how well your concept of the theme is expressed.
• Supporting statement - how well you explained your vision of your doodle.

Groups: The competition is open to all students attending a school in India between classes 1 and 10. Doodles will be judged in the following three brackets:

• 1^st, 2^nd and 3^rd standards
• 4^th, 5^th, and 6^th standards
• 7^th, 8^th, 9^th and 10^th standards

Judging Process:

600 Semi Finalists: The best 600 doodles from across the country will be chosen via our judging criteria in each of the three age group brackets. This means that each age bracket will be equally represented.

45 Finalists: A judging panel will choose 45 top doodles (15 from each age bracket) to become our finalists. These 45 top doodles will be displayed in a gallery on this website on October 21, 2009. These will then be made available to the Indian public who can vote for the doodles they like best in each age bracket.

Judging Panel: Our judging panel will include renowned cartoonist, N.Ponnappa, young internationally acclaimed artist Raghava KK., as well as faculty and students of the National Institute of Design, Ahmedabad <http://www.nid.edu/>, our Doodle 4 Google partner institute and one of India's foremost institutions in the field of design education.

Prizes: All 45 finalists will be invited to attend the final awards ceremony in November 2009. We will cover stay and travel expenses for all 45 finalists + one adult (teacher, parent, etc). In addition, all finalists will receive a Doodle 4 Google certificate and a Google goody bag.

Final Winner: After the public online vote across the three age brackets, the final winner will be decided by Google’s original doodler, Dennis Hwang. The final winner will be announced at an awards ceremony attended by the finalists and members of our judging panel.

Prizes: The final winner will have his/her doodle displayed on the Google India homepage on November 14^th 2009. He/she will also win a laptop! Finally, the winner's school will also be awarded a technology grant of Rs.1,00,000.

Submitting your doodle

Taking part in the competition is a three step process:

1. You must first register yourself.
2. Review and download doodle material.
3. Send us your completed doodle by post.

Title and supporting statement:

In addition to producing a doodle, you also need to write:

• A title for your doodle (a maximum of 5-6 words).
• A supporting statement (a maximum of 100 words). Based on your Google doodle, you should explain what India means to you and what you have represented in your doodle.

Design guidelines:

• The doodle should be presented on a white, landscape sheet of A4 paper.
• You can download the Google logo template from our Doodle Resources page.
• As the winning doodle will be displayed on the Google India homepage, please ensure the Google logo is clearly visible and recognizable.
• The doodle can be in pencil, crayons, felt tip, paint, or can be done using computer drawing or design software.
• Unfortunately we cannot accept entries using additional materials to create 3D effects.

Submitting your entry:

• Create your doodle by hand or on a computer (according to the guidelines above).
• Before you post your entries, be sure to include the following information (on the back of the page on which you have drawn your doodle):
• Your name
• Your class (which standard you’re in)
• Your school’s name
• Your address
• Your email address (if any)
• Your phone number
• Then post your entry to the address below by 30^th September 2009. (Please note that your entries must reach us by end of day on 30^th September 2009. Please ensure that you account for the time it may take for your doodle to reach us by post. We will not be able to accept entries after this deadline.)

Doodle 4 Google,
Google India Pvt. Ltd.
No. 3, RMZ Infinity - Tower E
Old Madras Road
4th and 5th Floors
Bangalore, 560 016
India

• All the information you need to participate in Doodle 4 Google should be available on the various pages on this website. However, if you have any specific queries, please email us atd4gindia@google.com