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Category: Business

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Beyond breaking news, we offer expert market analysis and insightful perspectives on economic trends shaping India and the global economy. Whether you’re a seasoned investor, business professional, or just starting to manage your finances, Timesbull is your trusted source.

Rely on Timesbull for accurate, timely, and insightful business and finance news, empowering you to navigate the complexities of the Indian market with confidence. Visit Timesbull today to unlock your financial potential.

  • What is Pradhan Mantri Mudra Loan Scheme? Know Its Benefits, Eligibility, and Application Process

    What is Pradhan Mantri Mudra Loan Scheme? Know Its Benefits, Eligibility, and Application Process

    Pradhan Mantri Mudra Loan Yojana was started for small businessmen, shopkeepers, and individuals starting a small-scale business in the country. The aim is to help them grow their work without facing financial difficulties. In this article, we will share all the details about the Pradhan Mantri Mudra Loan Scheme – Benefits, Eligibility, and how to apply.

    About Pradhan Mantri Mudra Loan Yojana

    Pradhan Mantri Mudra Loan Yojana (PM Mudra Loan Yojana) was introduced for small businessmen, shopkeepers, and individuals starting small-scale businesses so that they do not face financial problems while moving forward with their work. This scheme was launched by the Central Government in April 2015 and is operated by the Ministry of Micro, Small, and Medium Enterprises. Through this scheme, small traders can avail loans of up to Rs 10 lakh without any collateral, with a repayment period of up to 5 years. Let’s explore all the details related to this scheme.

    How to Apply for the Pradhan Mantri Mudra Loan Scheme

    Applying for a Mudra Loan is a simple process. Follow the steps below to apply:

    Step 1: Choose the Loan Category

    Mudra Loans are available in three categories based on the loan amount:

    1. Shishu Loan – Up to ₹50,000 (For new businesses or startups)
    2. Kishore Loan – ₹50,000 to ₹5 lakh (For expanding small businesses)
    3. Tarun Loan – ₹5 lakh to ₹10 lakh (For business growth and expansion)

    Step 2: Select a Bank or Financial Institution

    You can apply for a Mudra Loan from:

    • Public sector banks (SBI, PNB, Bank of Baroda, etc.)
    • Private banks (HDFC, ICICI, Axis Bank, etc.)
    • Regional Rural Banks (RRBs)
    • Microfinance Institutions (MFIs)
    • Non-Banking Financial Companies (NBFCs)

    Step 3: Collect the Required Documents

    • Loan application form (Available at banks or online)
    • Aadhaar Card, PAN Card, Voter ID (For identity proof)
    • Address proof (Electricity bill, ration card, etc.)
    • Business proof (Business plan, GST registration, etc.)
    • Bank statements (Last 6 months)
    • Income tax returns (if applicable)

    Step 4: Submit the Application

    • Visit the nearest bank or apply online via the official bank website.
    • Fill out the Mudra Loan application form and attach the required documents.
    • Submit the form and wait for verification.

    Step 5: Loan Approval & Disbursement

    • The bank will review your application and documents.
    • If approved, the loan amount will be credited to your bank account within 7 to 10 days.

    Questions and Answers Related to the Mudra Loan Scheme

    1. Is there a subsidy in the Mudra Loan Scheme?

    No, the Mudra Loan Scheme does not offer any subsidy.

    2. How many days does it take to get the benefit of the Mudra Loan Scheme?

    The loan can be approved within 7 to 10 days of applying.

    3. Is submitting an Income Tax Return Form necessary to get a Mudra Loan?

    Yes, you must submit the Income Tax Return Form, even if it’s a zero tax return.

    4. Can a Mudra Loan be used to start or expand a boutique or bakery business?

    Yes, the Pradhan Mantri Mudra Loan Yojana can be used to start or expand any type of small business, including boutiques or bakeries.

    Note: If you have any issues or questions related to this scheme, you can call the helpline number for assistance.

    Helpline Number: 18001801111, 1800110001

  • PM Ayushman Bharat Yojana: Objectives and Benefits for Middle-Class Families You Must Know

    PM Ayushman Bharat Yojana: Objectives and Benefits for Middle-Class Families You Must Know

    Prime Minister Narendra Modi launched the Ayushman Bharat Scheme to provide health insurance coverage to poor and middle-class families. Under the Pradhan Mantri Ayushman Bharat Yojana, eligible families receive insurance coverage of ₹5 lakh per year. The scheme was launched on April 14, 2018, in the Bijapur district of Chhattisgarh, on the birth anniversary of Dr. Bhimrao Ambedkar. In this article, we will share all the important details about the objectives and benefits of the PM Ayushman Bharat Yojana for middle-class families.

    What is Pradhan Mantri Ayushman Bharat Yojana?

    Under the Pradhan Mantri Ayushman Bharat Yojana, 1350 diseases are treated for free. An insurance cover of ₹5 lakh is provided for the treatment of these diseases. The government bears the cost of up to ₹5 lakh for treatments under the scheme, which includes many serious diseases.

    Serious Diseases Covered Under Ayushman Bharat Yojana

    The government regularly launches various schemes for the poor, unemployed, students, and farmers. Keeping the needs of the economically weaker sections in mind, Prime Minister Narendra Modi introduced the Ayushman Bharat Scheme. The scheme was first launched in the Bijapur district, Chhattisgarh, on April 14, 2018, which is the birthday of Dr. Bhimrao Ambedkar. Later, on September 25, 2018, the scheme was launched nationwide on the birthday of Pandit Deendayal Upadhyay. Through the Pradhan Mantri Ayushman Bharat Yojana, poor and middle-class families are provided an annual insurance cover of ₹5 lakh.

    Ayushman Bharat Yojana Overview

    • Name of the Scheme: Ayushman Bharat Yojana
    • Launch Date: April 14, 2018
    • Nationwide Launch: September 25, 2018
    • Launched By: Prime Minister Narendra Modi
    • Objective: To provide health services to economically weaker families
    • Benefits: Insurance coverage up to ₹5 lakh
    • Eligible Beneficiaries: Indian citizens
    • Official Website: https://pmjay.gov.in/
    • Operated By: Ministry of Health, Government of India

    Special Features of Ayushman Bharat Yojana

    The scheme benefits Indian citizens whose financial condition is weak.
    It includes the Pradhan Mantri Jan Arogya Yojana, allowing beneficiaries to receive treatment in both private and government hospitals covered under the scheme.
    Many top hospitals are part of the scheme to ensure that the poor do not face any difficulty when getting treated for major illnesses.
    The government covers all expenses related to hospitalization and treatment for beneficiaries.
    The scheme is accessible nationwide, meaning that a beneficiary in one state can receive treatment in any other state under the scheme.

    Objective of Ayushman Bharat Yojana

    The central government launched Ayushman Bharat Yojana with the aim of providing affordable treatment to poor families. Many families struggle to afford treatment in case of major illnesses. The scheme offers treatment worth up to ₹5 lakh, easing the financial burden of these families during times of medical emergencies.

    Eligibility for Ayushman Bharat Yojana

    Families Living in Urban Areas:

    • Beggars
    • Domestic workers
    • Families living below the poverty line (BPL)
    • People earning a livelihood through labor work
    • Street vendors, hawkers, cobblers, and road service providers
    • Gardeners, sweepers, sanitation workers, and similar professions
    • Chowkidars, artisans, handicraft workers, and transport workers like auto drivers, truck drivers, bus drivers, conductors, hand cart drivers, etc.
    • Delivery persons, shop workers, peons, waiters, repair workers, mechanics, electricians, etc.

    Families Living in Rural Areas:

    1. Families with no male member between the ages of 16 to 59 years
    2. Disabled members
    3. Members of ST (Scheduled Tribe), SC (Scheduled Caste) families
    4. Economically weak families
    5. Families living in small kutcha houses
    6. Primitive tribal groups
    7. Families living on alms or in poor financial conditions
    8. Bonded laborers
    9. Families below the poverty line
    10. Landless families or families dependent on daily wages

    Who Cannot Become a Beneficiary of Ayushman Bharat Yojana?

    The scheme is designed for economically weaker families, and some people do not qualify for the benefits. These include:

    Kisan Credit Card holders

    • Government employees
    • Families owning two-wheelers, three-wheelers, or four-wheelers
    • Families using agricultural machinery or equipment
    • People earning ₹10,000 or more per month
    • Families living in good, concrete houses
    • Owners of motorboats for fishing
    • People owning more than five acres of land
    • Employees working in government agricultural enterprises
    • Families using refrigerators and landline phones in their homes

    Benefits of Ayushman Bharat Yojana

    1. Health Insurance: Beneficiaries are provided with health insurance of ₹5 lakh.
    2. Coverage of Medical Expenses: This includes hospitalization charges, medicines, treatments, and other necessary medical expenses.
    3. Pan-India Treatment: Beneficiaries can receive treatment in any hospital across India covered under the scheme.
    4. Hospitalization and Post-Treatment Coverage: The scheme covers expenses related to hospitalization, treatment, and post-treatment care.
    5. Day Care Treatment: Day care treatments are covered, but hospitalization is mandatory.
    6. No Age Restriction: There is no age limit for beneficiaries under the scheme.
  • New facility is here! You will get EPF money from UPU without any hassel, know the step by step process here

    New facility is here! You will get EPF money from UPU without any hassel, know the step by step process here

    Are you also an EPFO member? Then major update is waiting for you. The Employees’ Provident Fund Organization (EPFO) is about to roll out a new feature that lets customers withdraw money using UPI. This means you’ll soon be able to transfer your PF balance directly to your bank account through apps like Paytm, Google Pay, and PhonePe right from your home. This new option is set to help millions of EPFO users.

    Reports suggest that EPFO has already mapped out the plan for UPI integration, and we could see this feature go live in the next couple of months. With this new system, withdrawing your PF funds will be quicker, and if you need cash urgently, it’ll be super easy to get.

    So, how will you withdraw money using UPI?

    While the UPI withdrawal feature isn’t available just yet, here’s how it will work once it’s launched:

    1. First, download apps like Paytm, PhonePe, or Google Pay on your phone and link your bank account.
    2. If you’re already using one of these apps, you don’t need to download anything new.

    3. Open the app and look for the ‘EPFO Withdrawal’ option, which will show up once the feature is active.

    4. Enter your UAN number and select the type of withdrawal you want. You can choose to withdraw either the full amount or just a portion of it.

    5. A partial withdrawal can be for things like medical emergencies, home loan payments, or education costs, according to EPFO guidelines.

    6. Input the amount you want to withdraw and follow the prompts.

    7. You’ll receive an OTP on your registered phone number. Enter that OTP to confirm your transaction.

    8. After that, the PF funds will be transferred instantly to your bank account or digital wallet.

    You need to finish your KYC to withdraw your PF money. KYC involves providing your Aadhaar, PAN, and bank account details. You can check online if your KYC is all set by logging into your PF account. For more details, head over to the official EPFO website at epfindia.gov.in.

  • Pradhan Mantri Suraksha Bima Yojana: ₹2 lakh insurance, Just for ₹20, Secure Your Future

    Pradhan Mantri Suraksha Bima Yojana: ₹2 lakh insurance, Just for ₹20, Secure Your Future

    Bima Yojana: There are many insurance companies in the country, but their premium rates are out of the reach of the common man. Everyone wants to insure themselves and their family for a secure future.

    Understanding this need, the government has launched Pradhan Mantri Suraksha Bima Yojana (PMSBY), which is a boon for the people of the low-income group. This scheme provides accident insurance cover of up to ₹2 lakh at a nominal premium of just ₹20 per year.

    Objective of Pradhan Mantri Suraksha Bima Yojana

    Middle-class families often do not have enough money for treatment in case of an accident, and there is also no immediate savings to run the family in case of the death of the head of the family. Keeping this problem in mind, the central government launched PMSBY. Under this scheme, accident insurance cover of ₹1 lakh to ₹2 lakh is provided. For this, it is necessary to have an auto-debit facility in your bank account, and the premium amount is deducted from your account before June 1.

    Eligibility for Pradhan Mantri Suraksha Bima Yojana

    • The applicant must be a citizen of India.
    • Only backward-class or poor-class families can avail the benefits of this scheme.
    • The applicant must have a bank savings account and an auto-debit facility should be started in the bank account.
    • The age of the applicant should have been between 18 years and 70 years.
    • If the applicant’s bank account is closed, the insurance policy will also be closed.

    Required Documents

    Aadhaar card

    Voter ID card, ration card, driving license, or other identity card

    Income certificate

    Bank account details

    Age certificate

    Passport size photo

    Mobile number

    Offline application for Pradhan Mantri Suraksha Bima Yojana

    Any economically weak person can avail of the benefits of PMSBY from any bank branch where he has a bank account.

    Online Application for Pradhan Mantri Suraksha Bima Yojana

    1. To apply online, the candidate must first visit the official site https://www.jansuraksha.gov.in/.
    2. Go to the form option on the home page.
    3. As soon as you click, three options will open in front of you. First Pradhan Mantri Jeevan Jyoti Yojana, second Pradhan Mantri Suraksha Bima Yojana, and third Atal Pension Yojana. Out of these, click on the option of Pradhan Mantri Suraksha Bima Yojana.
    4. Now the option of application form will come in front of you. On which you have to click. On selecting your language, the PDF of the application form will open.
    5. Download the form and fill in all the information asked in it properly. Such as name, address, mobile number, email ID, and Aadhaar number.
    6. Attach all the applicable required documents with the filled application form.
    7. Submit this form to the bank where you have an account. After this, your application will be completed.

    Check the Application Status of Pradhan Mantri Suraksha Bima Yojana

    • You can check the status of your application online. For this, you have to visit the official site https://www.jansuraksha.gov.in/.
    • Click on the option to check the application status on the home page.
    • A new link will open in which you have to enter the application number.
    • After this, as soon as you click on the search button, the status of the application will appear in front of you.
  • Aadhaar Card: When Did It Start and Why Is It So Important? Know Full Details

    Aadhaar Card: When Did It Start and Why Is It So Important? Know Full Details

    Aadhaar Card is a very important document that every Indian should have. It is used for even the smallest tasks. From government work to private work, an Aadhaar Card is required for everything. In this situation, let’s know all the important information related to the Aadhaar Card.

    About Aadhaar Card

    Aadhaar Card is one of the most important documents for Indian citizens. It serves as an essential identity proof required for various purposes, including banking, taxation, travel, and government schemes. Issued by the Unique Identification Authority of India (UIDAI), Aadhaar is a 12-digit unique identification number linked with the biometric and demographic details of individuals.

    History of Aadhaar Card

    Aadhaar enrollment was initiated by the Congress government in 2009, and UIDAI was officially established on January 28, 2009. Nandan Nilekani, co-founder of Infosys, was appointed as its first chairman. The project was first tested in rural Maharashtra before the government introduced the National Identification Authority of India Bill in Parliament in 2010.

    • By September 2011, over 10 crore Aadhaar cards were issued.
    • Online Aadhaar verification began in 2012.
    • In November 2012, then-Prime Minister Manmohan Singh launched a direct benefits transfer (DBT) scheme linked to Aadhaar.
    • After March 2014, when Nilekani resigned, the BJP government continued the Aadhaar project, introducing amendments to the bill and passing it as a money bill in Lok Sabha.
    • Aadhaar was subsequently linked to bank accounts and PAN cards, making it a mandatory identity document in various sectors.

    Eligibility for Aadhaar Card

    Any Indian citizen can apply for an Aadhaar card, including newborns and children below five years, for whom a Blue Aadhaar card is issued. Biometrics are recorded once a child turns five.

    Types of Aadhaar Cards

    1. Paper Aadhaar Card – A standard Aadhaar card printed on thick paper, delivered via post.
    2. E-Aadhaar – A digital version available for download on the UIDAI website.
    3. PVC Aadhaar Card – A compact ATM-sized plastic Aadhaar card, available for ₹50 on the UIDAI portal.
    4. mAadhaar – A mobile-based Aadhaar version stored in the mAadhaar app.

    Documents Required for Aadhaar Enrollment

    Aadhaar registration requires three types of documents:

    1. Proof of Identity (PoI)
      • PAN card
      • Passport
      • Voter ID
      • Driving License
      • Government Job ID Card
      • Ration Card
      • Pensioner Photo Card
    2. Proof of Address (PoA)
      • Utility bills (electricity, water, gas)
      • Bank passbook
      • Rent agreement
      • Property tax receipt
    3. Proof of Date of Birth (DoB)
      • Birth certificate
      • School leaving certificate
      • Passport

    Aadhaar Enrollment Process

    1. Visit the nearest Aadhaar Enrollment Centre or check online for the nearest center.
    2. Fill out the Aadhaar application form and submit required documents.
    3. Undergo biometric verification, including fingerprints, iris scan, and photograph.
    4. Receive a 14-digit enrollment ID receipt for tracking application status.
    5. Aadhaar card is delivered within 90 days; however, it can be downloaded online before delivery.

    How to Check Aadhaar Card Status

    • Visit the official UIDAI website (https://uidai.gov.in).
    • Enter your 14-digit enrollment number.
    • Track the status or visit an Aadhaar center for updates.

    How to Download Aadhaar Card

    Aadhaar can be downloaded using different credentials:

    1. Using Aadhaar Number
      • Go to https://uidai.gov.in.
      • Click on ‘My Aadhaar’ → ‘Download Aadhaar’.
      • Enter Aadhaar number, verify OTP, and download.
    2. Using Name & Date of Birth
      • Enter full name and DOB on UIDAI’s website.
      • Complete captcha verification and OTP validation.
      • Download Aadhaar.
    3. Using Enrollment ID
      • Go to myaadhaar.uidai.gov.in.
      • Enter name, email, mobile number, and OTP.
      • Aadhaar number/enrollment ID will be sent to your mobile.
      • Use it to download Aadhaar.
    4. Using Virtual ID (VID)
      • Visit UIDAI portal, select Virtual ID option.
      • Enter VID, PIN code, and verify OTP.
      • Download Aadhaar.

    How to Get Aadhaar Without a Registered Mobile Number

    • Visit a nearby Aadhaar center with PAN card or Voter ID.
    • Get biometrics verified through thumb impression and iris scan.
    • Obtain a printed Aadhaar card immediately.

    How to Link Aadhaar with PAN Card

    1. Visit https://www.incometax.gov.in.
    2. Go to ‘Link Aadhaar’ option.
    3. Enter Aadhaar number, PAN, and OTP.
    4. Aadhaar-PAN linking will be confirmed.

    States Where Aadhaar Enrollment is Managed by Registrar General of India

    • Jammu & Kashmir
    • Meghalaya
    • Assam
    • Odisha
    • Dadra & Nagar Haveli
    • Mizoram
    • Lakshadweep
    • Tamil Nadu
    • West Bengal
    • Arunachal Pradesh

    How to Get Aadhaar Number on Mobile

    Download Aadhaar via Umang App

    1. Download Umang App from Google Play Store.
    2. Go to ‘Aadhaar Services’ and choose ‘Download Aadhaar’.
    3. Enter required details and verify OTP.
    4. Download Aadhaar instantly.

    Aadhaar Card is now a crucial identity document, simplifying access to government services, banking, and taxation. By following the above steps, individuals can apply, download, and manage their Aadhaar with ease.

  • Jio Cheapest Plan – Get Daily 3GB Data, 84 Days Vailidity, Netflix Subscriptions & More

    Jio Cheapest Plan – Get Daily 3GB Data, 84 Days Vailidity, Netflix Subscriptions & More

    Jio Cheapest Plan:- Mukesh Ambani’s Reliance Jio is one of the largest telecom companies in India. Crores of mobile users in the country are connected with Reliance Jio. Jio keeps offering its users many types of recharge plans. In this, you will get to see plans from cheap to expensive. Reliance Jio company has all kinds of recharge plans, from extended validity to short validity.

    You will also get many such recharge plans in Jio’s recharge plan, which will give you access to many popular OTT platforms. If you are a Reliance Jio customer and need more data daily, we have brought you a recharge plan with 3GB of data daily.

    This Jio recharge plan is best for users needing more internet data daily. So today, we have brought some such plans of Jio for you, in which a lot is being offered along with internet data. Jio’s Rs 449 plan

    Reliance Jio’s Rs 449 recharge plan has a validity of 28 days. This plan of Reliance Jio offers 28 days validity. The plan offers unlimited calling facilities to talk on all networks. In this plan, users benefit from 3GB of data daily when using internet data. After the daily data limit is over, you can use data at a speed of 64kbps.

    Along with this, 100 free SMS are also being offered daily in the plan. Along with this, users also get free access to Jio Cinema, Jio TV and Jio Cloud. If you are a 5G user, you can also have unlimited 5G data in this Jio plan.

    Jio Rs 1199 plan

    This plan of Reliance Jio comes with a validity of 84 days. The plan offers unlimited calling facilities to talk on all networks.

    This plan offers 252GB of high-speed 4G data. That is, 3GB of data is being offered daily in the plan. Jio’s Rs 1199 plan offers more data. The plan offers 100 free SMS daily. Free national roaming is provided in this plan. Jio TV and Jio Cloud subscriptions are also complimentary in this plan.

    Jio 1799 Plan Benefits
    This plan of Reliance Jio comes with a validity of Rs 1799. This Jio plan offers 3GB of daily data every day. This plan also includes the benefit of unlimited 5G. Unlimited voice calling and 100 SMS per day are offered for conversation in the plan. After the consumption of data, the speed drops to 64 Kbps.

    This Jio plan comes with a validity of 84 days. Other benefits available in the plan, such as JioCinema, JioCloud, and JioTV, are included. Note that a JioCinema Premium subscription is not included in this plan. It gives access to Netflix.

  • Ration Card: Apply Online, Check Status, and Understand Eligibility

    Ration Card: Apply Online, Check Status, and Understand Eligibility

    Ration card is an important document, which not only serves as an identity card but also helps the government to provide ration to the common citizens at a reasonable price. Every state government issues ration cards for its citizens. Many families in the country are not able to have even two meals a day.

    The government provides rations to such families every month for free and at low rates. The ration is distributed under the Public Distribution System under the National Food Security Act. A ration card is used as an identity card to make many documents like residence certificates, housing certificates, voter ID cards, and Aadhar cards.

    Types of Ration Cards

    Blue and Yellow: It is given to families living below the poverty line. In many states, its color is also yellow or green. The annual income of people living in rural areas should not exceed Rs 6400 and the annual income in urban areas should not exceed Rs 11,850. Cardholders are given a ration at subsidy.

    Pink: It is given to those families whose annual income is below the poverty line limit. The card has a photo of the head. Food grains are available at subsidized rates through this card.

    White: This card is issued to financially well-off people. Those who do not require subsidized ration. This card is used as an identity card or proof of address.

    Eligibility for Ration Card

    1.Only Indian citizens can apply for a ration card.
    2.The ration card is made only in the name of the head of the family.
    3.The head should be 18 years of age or above.
    4.The names of all the members of the family are written on the ration card.
    5.The member applying for the ration card should not have already got a ration card made in any      other state in his name.

    Documents required for ration card

    Income certificate of families living below the poverty line for BPL card, whose income should not exceed Rs 27 thousand. For Antyodaya Ration Card, death certificate of husband in case of widowhood, disability certificate in case of disability, senior citizen certificate.

    Income Certificate
    Identity Certificate
    Aadhaar Card
    Voter ID
    Marriage Certificate
    Mobile Number
    LPG Gas Connection
    Driving License
    Passport
    Passport Size Photo

    Online Application for Ration Card

    1. Online applications can be done through different official sites in all states.
    2. First of all, go to the official site of the Food and Ration Department of your state.
    3. Now select the language.
    4. After this fill in information like district, block, and gram panchayat.
    5. Choose the type of card according to your annual income.
    6. Now you have to fill in your family information. Also fill in all the information of the head of the family in whose name the card is being made, such as Aadhaar number, bank account information, voter ID, and mobile number.
    7. After filling in all the information, submit the form and then take a print of it.

    Offline Application for Ration Card

    If you are unable to apply online, you can also apply offline.

    • You have to visit the circle office of your city. From where you can get the ration card form? Otherwise, you can also get the form from the municipality. The form can also be printed from the online site.
    • Now fill out the form carefully. Attach all the documents asked in it.
    • If you do not have proof of address, you can also record the statements of two neighbours along with their documents.
    • If you do not have your own house, the rent agreement can also be given.
    • After filling out the form, submit it to the office.
    • The ration card will be ready about a month after submitting the form.

    How to check whether the ration card is made or not

    • If you want, you can check offline by visiting the office related to your area like Panch Office, or Municipality Office. You can also check online from home.
    • First of all, you have to visit the official website of the National Food Security Department www.nfsa.gov.in. The site of each state may be different.
    • Now choose the option of a ration card.
    • After this, you have to go to the option of ration card details on the state portal.
    • Select your state in it.
    • After this, you have to select information like your jail and development block.
    • Are you from a rural area or urban area? After answering all the information, choose the type of ration card.
    • Now information will come on your screen whether your ration card is made or not.
  • Cyber ​​Crime: Scammers Are Emptying Job Users’ Accounts, Targeting LinkdIn And Other Online Platforms

    Cyber ​​Crime: Scammers Are Emptying Job Users’ Accounts, Targeting LinkdIn And Other Online Platforms

    Cyber Crime : Nowadays, cyber criminals are using a new method to cheat people. Now they are taking away all their loot in the name of giving them jobs. LinkedIn users are being lured with job listings. Job users now need to be very alert. Cyber ​​criminals are finding new ways to cheat and rob people. Now they are cheating internet users also. These days scammers are targeting users who are searching for jobs via the internet. Scammers are trying to rob users who are using online platforms like LinkedIn to search for jobs. Nowadays scammers are emptying people’s accounts in the name of jobs in cryptocurrency space and Web3.

    Scammers are now targeting users looking for jobs online, emptying their accounts in the name of jobs. According to Bleeping Computer reports, cyber scammers are nowadays sharing fake job listings on the online platform LinkedIn and other job platforms. Then the users applying on these platforms are being asked to download an app and the name of this app is Massive Video Call App GrassCall which they are being asked to download. Sensitive data of users can be stolen through this app, and this app may even contain bank details and passwords of users.

    Hundreds of people got duped by malware app

    According to the report, scammers have cheated hundreds of people using this new method so far. All the users who have been scammed have suffered a huge setback. An important information has been received that a cybercriminal is behind this scam and this is the Russian cybercrime group ‘Crazy Evil’. The work of this group has been continuous social engineering attacks. It is being reported that this group has listed fake jobs on platforms like CryptoJobsList, WellFound and LinkedIn. Scammers have a fake company named ChainSeeker.io on which they are working with identity and they are looting people. The scammers have also set up a professional website and social media profiles of this company.

  • Ujjwala Yojana 2.0: Apply Online, Benefits for Migrants, and Required Documents

    Ujjwala Yojana 2.0: Apply Online, Benefits for Migrants, and Required Documents

    Ujjwala Yojana 2.0: Pradhan Mantri Ujjwala Yojana, launched with the aim of freedom from stove smoke and promoting women’s health, has provided relief to crores of families in the country. Seeing the success of this scheme, Prime Minister Narendra Modi launched the second phase of Ujjwala Yojana 2.0 on 10 August 2021.

    Migrant laborers have also been included in this phase, so that they can get the benefit of the scheme wherever they are living, without the need for a ration card or permanent address. The government has also expanded the budget of this scheme. Finance Minister Nirmala Sitharaman had told on 1 February 2021 that till 2020 itself, 7.4 crore free LPG gas connections have been given under Pradhan Mantri Ujjwala Yojana.

    Prime Minister Narendra Modi launched this scheme in the Ballia district of Uttar Pradesh, in which free gas connection is given to economically weaker families. Not only this, women are advised to use gasoline gas throughout the year. Along with this, financial assistance of Rs 1600 is also given on taking the connection, so that they can also buy other items related to the gas connection. Government EMI facility is also available for automobile discounts.

    Required Documents

    Aadhaar Card.
    Bank Account Linked to Aadhar Card.
    Registered Mobile Number.
    Residence Certificate.
    Bank Account Details.
    BPL Card.
    Age Certificate.
    Voter ID.
    Caste Certificate.
    Passport Size Photo.

    Online Application Process

    You can also apply online to avail the benefits of the scheme. For this, you have to follow some procedure.

    1. First of all, go to the official website of Pradhan Mantri Ujjwala Yojana www.pmuy.gov.in.
    2. Now on the home page, you have to select the download option.
    3. Now you will get the option to download four forms. Which includes Ujjwala Form Hindi, Ujjwala Form English, Ujjwala KYC Form Hindi, and the fourth Ujjwala KYC Form English.
    4. Out of these four options, click on the Ujjwala form according to your language and download it.
    5. If you want, you can also get this form from the LPG center.
    6. After getting the printout of the form, fill in all the information asked in it like your name, age, and address.
    7. A list of required documents will also be asked in the form. Attach them with the form.
    8. Now read the form once thoroughly and submit it to your nearest LPG center.
    9. After this, when the verification of your form and all the documents is completed, you will get a gas connection for free.
  • Gold Rate Today – Check 22 & 24 carat Latest Rate per 10 gram in City – Wise

    Gold Rate Today – Check 22 & 24 carat Latest Rate per 10 gram in City – Wise

    Gold Rate Today: Changes are seen in the daily prices of gold and silver. Gold rates have been increasing continuously for the last few days. The rising rate of gold has spoiled the market environment. If you are thinking of buying gold, then let us tell you that today, on the first day of the month, March 1, 2025, there has been a fall in the price of gold. Gold has become cheaper for the third consecutive day.

    Today, i.e. on Saturday, the price of gold has become cheaper by Rs 500. At the same time, the price of 22-carat gold has come down by Rs 450. In many big cities, the price of 24-carat gold remains around Rs 86,800, and 22-carat gold is around Rs 79,500. Apart from this, the price of one kilogram of silver is at the level of Rs 96,900. So, let’s look at the latest rate of gold in your city today. Gold price in Delhi

    22-carat gold rate – Rs 79,740 per 10 grams

    24-carat gold rate – Rs 86,980 per 10 grams

    Gold rates in Chennai

    22-carat gold rate – Rs 79,590 per 10 grams

    24-carat gold rate – Rs 86,830 per 10 grams

    Gold rates in Mumbai

    22-carat gold rate – Rs 79,590 per 10 grams

    24-carat gold rate – Rs 86,830 per 10 grams

    Gold rates in Kolkata

    22-carat gold rate – Rs 79,590 per 10 grams

    24-carat gold rate – Rs 86,830 per 10 grams

    Silver price

    The price of silver remains at Rs 96,900 per kg on March 1, 2025, Whereas, the price of silver has fallen by Rs 1,000.

    How is the price of gold decided?

    The price of gold in India keeps changing for many reasons, such as international market prices, government taxes and fluctuations in the rupee value. Gold is also an essential part of our traditions and festivals.

    How do we know the purity of gold?

    ISO gives Hall marks to identify the purity of gold. 999 is written on 24-carat gold jewellery, 958 on 23-carat, 916 on 22-carat, 875 on 21-carat, and 750 on 18-carat. Most people make gold jewellery using 22-carat gold, but some also use 18-carat gold.

    Check gold rates with missed calls.

    You can quickly get the price of gold and silver from home. by making a missed call to 8955664433. After this, you will receive information about the materials rapidly. Making charges and taxes are charged separately.

  • Interest on PF has not increased, will there now be a setback on schemes like PPF-Sukanya? Let’s find out 

    Interest on PF has not increased, will there now be a setback on schemes like PPF-Sukanya? Let’s find out 

    EPFO takes a big decision before Holi. The Employees Provident Fund Organization (EPFO) has decided to keep the interest rate on Provident Fund deposits, or EPF, at 8.25 percent for the 2024-25 financial year. This rate remains the same as last year, meaning there’s no increase in interest.

     

    Next up, a decision will be made regarding small savings schemes like the Public Provident Fund and Sukanya Samriddhi before March 31. There’s speculation that the government might lower the interest rates for these schemes.

     

    What’s behind this?

     

    In December, the Reserve Bank of India (RBI) reduced the repo rate. To encourage spending, the Finance Ministry might think about cutting rates for small savings schemes in the upcoming financial year. Currently, the interest rate for Sukanya Samriddhi is set at 8.2 percent, while post office savings deposit schemes, aside from PPF, are at 7.1 percent and 4 percent, respectively.

     

    What’s the update on EPF?

    The Ministry of Labor announced that during a meeting on Friday, the Central Board of Trustees (CBT) decided to maintain the EPF interest rate at 8.25 percent for 2024-25. The government will officially notify this rate, and then EPFO will credit the interest to members’ accounts.

     

    This decision was made during the 237th meeting of the CBT, led by Union Labor and Employment Minister Mansukh Mandaviya. The ministry highlighted that the EPF offers relatively high and stable returns compared to many other fixed-income options, helping to steadily grow savings. Just to note, in February 2024, the EPFO slightly raised the EPF interest rate from 8.15 percent in 2022-23 to 8.25 percent for 2023-24.

  • Will the Nominee Get Pension After the NPS Account Holder’s Death? Check New Government Rules

    Will the Nominee Get Pension After the NPS Account Holder’s Death? Check New Government Rules

    Everyone wants to live a comfortable life after retirement. To achieve this, one should start investing while working. The National Pension Scheme (NPS), launched by the government, is a good option for retirement planning. This scheme was introduced by the Central Government in 2004.

    Investment Options in NPS

    Investments in the National Pension Scheme (NPS) can be made in two ways. The first is Tier-1, which is a retirement account. The second is Tier-2, which is a voluntary account. After the age of 60, you can use 60% of the total investment for retirement, while the remaining 40% can be used to purchase an annuity.

    What Happens if the NPS Account Holder Dies?

    If the NPS account holder dies before retirement, the legal heir may still receive the benefits. The entire amount from the NPS account will be paid to the nominee. The nominee can either take the funds as a lump sum or opt for a pension.

    What Happens if There is No Nominee?

    If the NPS account holder has not nominated anyone, the funds in the account will be transferred to the legal heir or a family member.

    Documents Required for Claiming NPS Funds Without a Nominee

    If there is no nominee, the family members must provide a succession certificate. This certificate must be submitted to the Revenue Department. After verification, the amount in the account will be handed over to the legal heirs.

    Documents Needed for NPS Withdrawal

    If the heir needs to withdraw funds from the NPS account, they will need to fill out the death withdrawal form available on the official NPS website (www.npscra.nsdl.co.in). Required documents include:

    Succession certificate
    KYC documents
    Death certificate
    Bank account proof