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  • Government is Providing Financial Help of Rs 3 Lakh to Artisans, Know About This Scheme

    Government is Providing Financial Help of Rs 3 Lakh to Artisans, Know About This Scheme

    PM Vishwakarma Yojana: In India, the central and state governments are running several ambitious schemes to assist every section of society. As part of these efforts, the Government of India launched the Pradhan Mantri Vishwakarma Kaushal Samman Yojana in September 2023. The objective of this scheme is to provide financial stability to traditional artisans and craftsmen, as well as to give their skills a new identity. The scheme provides facilities such as training, financial assistance, and low-interest loans.

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    Objective of the Pradhan Mantri Vishwakarma Kaushal Samman Yojana

    The main objective of this scheme is to empower those who have been earning their livelihood through traditional crafts for years but were unable to progress due to a lack of resources. The government wants such artisans to become self-reliant with modern technology and better resources.

    Who can join this scheme?

    The PM Vishwakarma Yojana is specifically designed for artisans engaged in traditional professions. This includes people involved in professions such as toy and doll making, barbers, blacksmiths, stone carvers, sculptors, boat builders, and garland makers. In addition, artisans who make fishing nets, lock makers, masons, washermen, tailors, and shoemakers can also benefit from this scheme.

    Loan available under the scheme

    The biggest feature of this scheme is that it provides artisans with loan facilities at a very low-interest rate. Beneficiaries joining the scheme receive a loan of up to Rs 1 lakh in the first phase for a period of 18 months. After that, if the beneficiary makes timely payments and wants to expand their business, they can also get an additional loan of up to Rs 2 lakh for 30 months. In this way, a total financial assistance of up to Rs 3 lakh is provided.

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    Benefits of training and stipend

    Under the PM Vishwakarma Yojana, not only is financial assistance provided, but beneficiaries also receive advanced training related to their work. This training program has been designed keeping in mind modern techniques and market demands. During the training, the government also provides a daily stipend of ₹500 to ensure that the artisans do not face any financial burden while learning.

  • Chardham Yatra 2026: Mobile Phones and Cameras Banned Beyond!

    Chardham Yatra 2026: Mobile Phones and Cameras Banned Beyond!

    Chardham Yatra Rules 2026: If you’re considering embarking on the Chardham Yatra in Uttarakhand this year, make sure to read this entire story to avoid any misconceptions. The administration is fully geared up for the upcoming Chardham Yatra in 2026. A meeting of the Chardham Yatra Management and Control Organization took place today, January 17th, at the transit camp complex in Rishikesh. During this meeting, it was decided that mobile phones and cameras would be prohibited.

    Garhwal Commissioner Vinay Shankar Pandey and Garhwal Inspector General Rajiv Swarup were the key participants in this meeting. While presiding over the meeting, the Garhwal Commissioner reviewed the arrangements with officials from various departments involved in the Chardham Yatra and directed them to ensure that there are no deficiencies in the preparations.

    Moreover, the meeting concluded that starting this year, mobile phones and cameras will not be permitted beyond the Singh Dwar in Badrinath Dham. The Badrinath Kedarnath Temple Committee will facilitate this through the clock room. Cameras will also be prohibited on the platform at Kedarnath Dham. This regulation will be strictly enforced.

    It’s important to mention that during the 2025 Chardham Yatra, there were numerous conflicts regarding photography within the temple grounds. Reports of altercations among devotees have emerged, with videos circulating. Consequently, the administration has decided to ban mobile phones and cameras within the Badrinath and Kedarnath temple complexes this time around.

    Garhwal Commissioner Vinay Shankar Pandey emphasized that ensuring the comfort of pilgrims is the foremost responsibility of all officials, and each officer has been instructed to carry out their duties with honesty. Officials from all departments involved in the Char Dham Yatra have been tasked with initiating preparations for the pilgrimage, which primarily encompasses traffic management, drinking water supply, accessible toilets, parking, road repairs, security, health services, and transportation, as well as improving arrangements for pilgrims’ lodging and accommodation.

  • 8th Pay Commission Salary Hike: How Much Will Your Pay Increase After Fitment Factor Change?

    8th Pay Commission Salary Hike: How Much Will Your Pay Increase After Fitment Factor Change?

    8th Pay Commission: Exciting news is here for millions of central government employees and pensioners. With the establishment of the 8th Pay Commission, everyone is eagerly anticipating an increase in their basic salaries. The commission has commenced its work, and the calculations for salary increases are starting to surface.

    What is the fitment factor’s mathematics?

    The fitment factor plays a vital role in the Pay Commission. It serves as the multiplier that is applied to your basic salary to calculate your new salary. In the Seventh Pay Commission, this factor was set at 2.57, leading to a direct rise in the minimum basic salary from Rs 7,440 to Rs 18,000.

    How much could your salary rise?

    Experts suggest that the fitment factor in the 8th Pay Commission might fall between 1.83 and 2.57. If the government decides on a fitment factor of 2.15, employees can expect a substantial salary increase.

    Entry-level employee

    The basic salary could jump from Rs 18,000 to Rs 38,700.

    Mid-Level Officer

    For mid-level officers, the basic salary may rise from Rs 56,100 to Rs 1,20,615.

    Top-level officer

    For top-level officers, a basic salary of Rs 2.5 lakh could potentially increase to Rs 5,37,500.

    Will everyone receive the same benefits?

    There is ongoing discussion about whether the fitment factor will be uniform for all this time. Experts think the government might assign a higher fitment factor for lower-paid employees while opting for a slightly lower factor for those with higher salaries, aiming to provide more advantages to lower-paid workers. However, employee organizations argue that inflation affects everyone equally, so the fitment factor should be consistent across the board.

    When will the new salary take effect?

    It is anticipated that employees might receive their new salaries and pensions by the festive season of 2027. Although this wait may feel lengthy for government employees, the upcoming salary increase is expected to offer significant relief for their future.

  • Silver Prices Weekly – Silver Rises ₹3,000 Today, Check 10g, 100g & 1kg Rates in City – Wise

    Silver Prices Weekly – Silver Rises ₹3,000 Today, Check 10g, 100g & 1kg Rates in City – Wise

    Silver Price Weekly: Like gold, silver prices are also fluctuating daily. Silver prices are experiencing both dips and surges. Just recently, silver prices set new records, but that upward trend has now come to a halt. On the Multi Commodity Exchange (MCX), the record-breaking five-session rally in silver futures ended, with prices falling by ₹4,027 to ₹2,87,550 per kilogram. Meanwhile, according to a GoodReturns report, silver prices in India rose by ₹3,000 today, to ₹2,95,000 per kilogram.

    According to the Indian Bullion and Jewellers Association (IBJA), the price was recorded at ₹2,81,890 per kilogram at market close on Friday. Since the market remains closed on Saturday and Sunday, this price will be valid for both days. If you are considering buying silver, you should check the current silver rates beforehand. So, let’s find out the price of silver in your city.

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    Silver Price in Delhi
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver Price in Mumbai
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver Price in Kolkata
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver Price in Chennai
    Price of 10 grams of silver – ₹3,100
    Price of 100 grams of silver – ₹31,000
    Price of 1 kg of silver – ₹3,10,000

    Silver Price in Patna
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver Price in Lucknow
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver Price in Ayodhya
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver Price in Meerut
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver Price in Kanpur
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver Price in Ghaziabad

    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver price in Noida
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver price in Gurugram
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver price in Chandigarh
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver price in Jaipur
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver price in Ahmedabad
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

    Silver price in Pune
    Price of 10 grams of silver – ₹2,950
    Price of 100 grams of silver – ₹29,500
    Price of 1 kg of silver – ₹2,95,000

  • A major move before the 8th Pay Commission? Employees may benefit from the DA merger

    A major move before the 8th Pay Commission? Employees may benefit from the DA merger

    8th Pay Commission Update: The new budget for the financial year 2026-2027 is about to be presented. This budget will include several new announcements. Among these, new announcements are likely for central government employees and pensioners. There is currently speculation that DA may be linked to the basic salary for government employees and pensioners before the implementation of the 8th Pay Commission. This discussion is taking place because the term of the 7th Pay Commission ended on December 31, 2025. The DA increase from January to June 2026 will be the first revision outside the scope of the 7th Pay Commission. While the work on the 8th Pay Commission has already begun, its implementation may take some time.

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    Reasons for the Delay in the Implementation of the 8th Pay Commission

    The 8th Pay Commission has been a topic of discussion among employees and pensioners for a long time, but the reasons for the delay in its implementation are clear. Typically, a Pay Commission takes about one and a half years to prepare its report. The government then studies the report, seeks Cabinet approval, and finally, the implementation process begins. This entire process takes at least another six months. Therefore, it is believed that the 8th Pay Commission’s recommendations are unlikely to be implemented before the end of 2027. Meanwhile, employee organizations have demanded that the current 58 percent dearness allowance (DA) be added to the basic pay as interim relief.

    However, the government’s stance on this demand is quite clear. In a written reply to Parliament, the government clarified that no proposal to merge the current DA into the basic pay is under consideration. The government states that DA and DR are given to employees and pensioners every six months to mitigate the impact of inflation. This increase is based on the inflation index known as AICPI-IW, and this arrangement is currently considered sufficient.

    Employee organizations argue that if DA is added to the basic pay, the basic pay will automatically increase. This will directly impact HRA, transport allowance, and other allowances. Furthermore, it will also benefit pension calculations. Organizations also argue that the current DA does not fully reflect the true inflation rate, and therefore, it should be implemented as a temporary relief.

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    Regarding experience, during the 5th Pay Commission, the rule was that when DA reached 50 percent, it should be included in the basic pay. Under this rule, 50 percent of DA was merged into the basic pay in 2004. However, the 6th Pay Commission disagreed with this arrangement. The Commission believed that adding DA to the basic pay would require changing the inflation index base, which could lead to a reduction in the DA rate in the future. For this reason, the 6th Pay Commission did not recommend merging DA into the basic pay.

    Given the current situation, it’s clear that the likelihood of integrating DA into basic pay in the near future is very low. The government remains firm on its stance. Therefore, until the 8th Pay Commission is implemented, the only hope for some relief for employees and pensioners is the DA increase received every six months.

  • Getting personal loan offers on your phone? Don’t make a hasty decision

    Getting personal loan offers on your phone? Don’t make a hasty decision

    Personal Loan Update: Nowadays, it’s common to receive calls and messages related to personal loans on mobile phones. These often feature attractive offers such as special personal loans, pre-approved loans, or exclusive car loans. People are lured with benefits like low interest rates, quick disbursal, and minimal documentation. When you need money, such offers seem even more appealing. But the question is, is it wise to accept such offers without thinking them through?

    In reality, personal loans are a major source of income for banks and NBFCs (Non-Banking Financial Companies). They have higher interest rates compared to other loans, which is why they see more profit in them. This is why they try to reach as many people as possible through inexpensive channels like phone calls, messages, and WhatsApp. This reduces their costs and allows them to reach customers directly.

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    Offers received in pre-approved personal loans

    However, not every call or message needs to be fraudulent. Nevertheless, caution is extremely important. Pre-approved loan messages, in particular, quickly attract people. It seems as if the bank has already conducted a thorough check and approved the loan based on your profile. But the reality is slightly different.

    In fact, pre-approved simply means that your credit profile meets the basic requirements. The interest rate, processing fees, and other loan terms are decided later. This information is often provided only after the customer shows interest in the offer. Therefore, the offer that seems easy at first glance is not as straightforward as it appears.

    It’s also important to understand that personal loans are unsecured loans. This is why they are more expensive than other loans. The interest rate depends on the customer’s credit score, job or business profile, and the lending institution. A pre-approved loan may seem attractive at first glance, but sometimes taking a top-up on an existing loan or transferring a credit card balance can prove to be cheaper and more beneficial. If you are truly in need of money, you can consider taking out a loan.

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    But before that, it’s important to know which bank or NBFC is offering the loan and what the interest rate will be. Typically, personal loan interest rates can range from 11 to 18 percent. Taking out a high-interest loan is only advisable if the need for money is urgent. If you have time, you should definitely compare offers from different banks and NBFCs.

    Experts advise against immediately accepting such loan offers. First, understand the terms and conditions thoroughly. Be sure to ask if there are any penalties for early repayment. Also, get clear information about processing fees and other charges. Often, these details are not disclosed initially, and the customer is forced to accept the terms later. Therefore, it is wise to accept a loan offer only after obtaining complete information.

  • Vande Bharat Sleeper Fare: What will be the new ticket price? Take a look

    Vande Bharat Sleeper Fare: What will be the new ticket price? Take a look

    Vande Bharat Sleeper Fare: Today, January 17th, marks the launch of the country’s first Vande Bharat sleeper train. Prime Minister Narendra Modi will officially inaugurate it at Malda Town Railway Station. Previously, Vande Bharat trains were only available for seated travel, but now a sleeper version has been introduced for those traveling long distances. This train is designed with passenger comfort, safety, and modern technology in mind.

    It features 3AC, 2AC, and 1AC coaches. For the convenience of passengers, it includes advanced bedrolls, ergonomic berths, automatic doors, and onboard dining. This train is set to cut down travel time and make overnight journeys much more comfortable. Check out the fares for the 3AC, 2AC, and 1AC coaches.

    What makes this train special?

    The Vande Bharat Sleeper train consists of 16 coaches, providing a total of 823 berths. There are 611 berths in 3AC, 188 in 2AC, and 24 in 1AC. The interior design reflects Indian culture. Safety features include the Kavach automatic train protection system, emergency talk-back units, and disinfectant technology.

    The driver’s cabin is outfitted with advanced control and safety systems. The train’s exterior is aerodynamic, enabling it to slice through the air and travel swiftly. The coach doors are automatic, and the vestibules allow for easy access. It can reach a top speed of 180 km/h, with a regular speed of 130 km/h.

    What will the fares be?

    The Vande Bharat Sleeper train runs from Guwahati to Howrah, and its fares are indicative of the premium amenities offered. The minimum fare for 3AC is Rs 2.4 per km, totaling Rs 2,400 for the full journey. The 2AC fare is Rs 3.1 per km, or Rs 3,100 overall. For 1AC, the fare is Rs 3.8 per km, amounting to Rs 3,800. This train shortens the travel time between Guwahati and Kolkata by about 3 hours. With digital booking and fixed berths, passengers can expect a comfortable and safe journey.

  • Bhojpuri Song – Nirahua & Aamrapali Dubey “Muhe Pe Atak Jata” Bold Romance Hits Millions On Youtube, Must Watch

    Bhojpuri Song – Nirahua & Aamrapali Dubey “Muhe Pe Atak Jata” Bold Romance Hits Millions On Youtube, Must Watch

    Bhojpuri Song – Bhojpuri cinema’s superstar Nirahua and the beautiful actress Amrapali Dubey are a popular pair, and their chemistry is loved by fans. Their hotness often creates a buzz on social media. Now, an old song of theirs has become very popular on YouTube. Everyone is loving this romantic song by Nirahua and Amrapali Dubey, and they are sharing, liking, and watching it repeatedly.

    Although the song is quite old, it’s trending a lot these days. If you are also a fan of Nirahua and Amrapali Dubey, then you will surely enjoy this song. So, without further ado, we bring you this song and several other songs of Nirahua and Amrapali Dubey. After listening to them, your heart will also be filled with joy.

    The dance and romance in the song are loved by everyone. The lyrics of the song are very catchy and have been sung by Kalpana Rajneesh Mishra. Pyare Lal Yadav has written the beautiful lyrics of this song, and Rajeesh Rajneesh has composed the music.

    The song is very good and is from the film Nirahua Rikshawala Two. So, without delay, watch this romantic video of Nirahua and Amrapali here. This video has garnered more than a million views on social media.

  • Business Idea – Women Can Earn Big by Starting These Businesses! Here’s the Lowdown

    Business Idea – Women Can Earn Big by Starting These Businesses! Here’s the Lowdown

    Business Idea: People dream of earning money by doing various kinds of work, without facing any difficulties. If you are looking for work, don’t worry. Not only men, but women too can fulfil their dream of earning money by starting simple businesses. Women can earn a substantial income every month, which would be a fantastic opportunity.

    We will tell you about 4the  top businesses for women that won’t cause any problems. The best part is that you can start these businesses from the comfort of your home, which is a great opportunity. You can understand the necessary details about these businesses below.

    This Business Will Be Great

    Women can become wealthy by starting small businesses. By starting affiliate marketing, you can start a good business from home. You don’t need to go anywhere for this. Essentially, you just need a laptop to make a small investment. If you don’t know how to do this, you will need to take an online course first. Online shopping has increased significantly these days, so you can earn a good income in the new year.

    Home Baking Business is also Excellent.

    If you have a passion for baking, then there will be no problem. You can turn your hobby into a business in the new year. Many women are already running home kitchens and providing financial support to their families by earning a good income. You can also start businesses related to chocolate making, cake baking, or snacks. You will only need to obtain a certificate from the Food Safety Department.

    Customised Name Plate Business is also Special.

    People love customised and unique items. You can make and sell customized nameplates according to people’s preferences. You can also learn how to start this business with the help of YouTube. You can easily find raw materials at low prices on platforms like IndiaMART. You can promote your business using social media platforms like Facebook and Instagram.

    Important Things About Online Tutoring

    Without any investment, you can fulfil your dream of earning a good income every month. You can also start giving tuition classes. If you have specialised knowledge in a particular subject, you can use it to earn money. You could start online yoga classes, or offer coaching in a subject, or teach painting or other activities.

  • Baby Health Insurance Launched, Coverage Starts Before Birth

    Baby Health Insurance Launched, Coverage Starts Before Birth

    Baby Health Insurance: Now, even unborn babies can get health insurance! Bajaj General Insurance has rolled out a policy called Fetal Flourish, which is a health insurance plan specifically for fetuses, costing ₹1,025. It’s tailored for in-utero procedures, high-risk pregnancies, and advanced fetal treatments. This policy covers 16 specialized in-utero procedures for women aged 18 to 45.

    You can get this policy alongside their main products, My Health Care Plan and Health Guard. Fetal Flourish combines medical know-how with smart insurance design to cater to prenatal care needs. The focus here is on safeguarding the unborn child while they’re still in the womb. Previously, families had to shoulder the full cost of these procedures because there wasn’t a dedicated insurance plan.

    Dr. Tapan Singhal, MD-CEO of Bajaj General Insurance, mentioned, “Pregnancy is a very personal journey for every family, filled with hope, expectations, and a desire to do what’s best for the child. Thanks to advancements in fetal care, early intervention is now possible, but the financial strain can make things tougher. This offering shows our commitment to ensuring that care and protection start from the earliest stages of life.”

    Rider up to Rs 2 lakh

    This policy includes a rider of up to Rs 2 lakh, covering the first two events. You can get coverage for two obstetric events under the Basic Health Indemnity policy, but there’s a waiting period of 9 months from when the policy starts. Benefits will be available for these procedures. The 16 procedures covered include amniocentesis, chorionic villus sampling, percutaneous umbilical blood sampling, amnioinfusion, fetal tissue biopsy, amnio-reduction, thoracoamniotic shunt, fetoscopy, fetoscopic laser surgery for TTTS, fetal reduction, neural tube defects, fetal cystoscopic surgery, feto for congenital diaphragmatic hernia, amniotic band syndrome surgery, fetal aortic valvuloplasty, and more.

  • Gold Rate Weekly – Gold Jumps ₹3,320 in a Week, Check 22 & 24 Carat Gold Latest price city – Wise

    Gold Rate Weekly – Gold Jumps ₹3,320 in a Week, Check 22 & 24 Carat Gold Latest price city – Wise

    Gold Rate Today: Gold prices have been rising for several days. Gold rates are changing very rapidly. There have been continuous fluctuations in the prices of gold and silver. However, amid significant fluctuations in gold and silver prices this week, there was no change in the rates on January 18th, the last day of the week. Although gold prices had increased on the previous day, Saturday. In one week, 24-karat gold has become Rs 3320 more expensive. Similarly, the price of 22-karat gold has increased by Rs 3050. On January 18th, the rate of 24-karat gold in Delhi remains at Rs 143930 per 10 grams. In the international market, the spot price of gold remains at $4603.51 per ounce. If you are considering buying gold, you should check the latest gold rates beforehand. So, let’s find out the gold rates in some major cities of the country…

    Gold Price in Delhi

    In Delhi, the price of 24-karat gold remains at Rs 143930 per 10 grams. The price of 22-karat gold is Rs 131950 per 10 grams.

    Gold Price in Mumbai
    In Mumbai, the price of 22-karat gold is Rs 131800 per 10 grams, while the price of 24-karat gold is Rs 143780 per 10 grams.

    Gold Rates in Chennai
    In Chennai, the price of 22-karat gold is Rs 131800 per 10 grams, while the price of 24-karat gold is Rs 143780 per 10 grams.

    Gold Price in Kolkata
    In Kolkata, the price of 22-karat gold is Rs 131800 per 10 grams, while the price of 24-karat gold is Rs 143780 per 10 grams.

    Gold Rates in Pune
    In Pune, the price of 24-karat gold is ₹143,780 per 10 grams, and the price of 22-karat gold is ₹131,800 per 10 grams.

    Gold Prices in Bengaluru
    In Bengaluru, the price of 24-karat gold is ₹143,780 per 10 grams and the price of 22-karat gold is ₹131,800 per 10 grams.

    Gold Prices in Hyderabad
    In Hyderabad, the price of 24-karat gold is ₹143,780 per 10 grams and the price of 22-karat gold is ₹131,800 per 10 grams.

    Gold Rates in Jaipur
    In Jaipur, the price of 24-karat gold is ₹143,930 per 10 grams and the price of 22-karat gold is ₹131,950 per 10 grams.

    Gold Prices in Bhopal
    In Bhopal, the price of 24-karat gold is ₹143,830 per 10 grams and the price of 22-karat gold is ₹131,850 per 10 grams.

    Gold Rates in Lucknow
    In Lucknow, the price of 24-karat gold is ₹143,930 per 10 grams and the price of 22-karat gold is ₹131,950 per 10 grams.

    Gold Rates in Chandigarh
    In Chandigarh, the price of 24-karat gold is ₹143,930 per 10 grams and the price of 22-karat gold is ₹131,950 per 10 grams.

    Silver Prices

    Silver prices have also risen on a weekly basis. The price has increased by ₹35,000 in a week. On the morning of January 18, the price of silver remained at ₹295,000 per kilogram. In international markets, the spot price remains at $90.33 per ounce. In the domestic market, silver prices have increased by 22.4 per cent so far in 2026.