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12/22/2016 Blog Archives PM Jan Dhan Yojana
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19 Railways to reward People for Innovative Ideas on New Branch
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Railways to reward Ra 12 Lakhs to People for Innovative Ideas More On PMJDY
on New Coach Designs (PMFBY) Pradhan Mantri Fasal Bima
Yojana | crop insurance scheme
Railways are all set to increase its passenger capacity in the coaches. For this reason it needs some
(PMUY) Pradhan Mantri Ujjwala Yojana
innovative designs to be made. They have asked the public to come up with some innovative ideas so that List | Apply | Eligibility Criteria |
they can hold more passengers. Documents Required | Free LPG Gas
Connection Scheme
{29th June 2016} 7th Pay Commission
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Annapurna Yojana | Chouhan Thali for
Rs 10 in MP
Apply Bhamashah Yojana Card Online
in the state of Rajasthan
Apply Captain Smart Connect Free
Smartphone Scheme registration | Free
Smartphone Scheme in Punjab by
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Yojana Registration Online by Akhilesh
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Apply Online Pradhan Mantri Awas
The Railways have announced rewards for suggesting efficient transport and loading of the
Yojana (PMAY) Urban and Gramin
commodities. You can suggest designs for the same including the designs of wagons and passenger
[Application Form 2016] Using CSC|
coaches.
Housing for All 2022 Scheme
This scheme has launched because almost every person in the country has an experience of traveling
Atal Sneh Yojana in Gujarat
in trains. They may know best what is needed to improve the design of the railways.
Biju Gaon Gadi Yojana
People will be given a prize equal to Rs. 12 lakh. Total six prizes will be awarded for the top entries in
Biju Kanya Ratna Yojana Scheme in
this category. Odisha
The railways have assorted five challenges for the people. These are all aimed towards improving the BSNL 1GB data at rs 1 | BSNL 3G/4G
specific problems that the commuters face. They want innovative solutions for regular problems. Unlimited Data Plan and Unlimted
The Railways minister also said that a campaign will be launched for this project and will be announced Broadband Plans
in the next budget. He also said that today’s youth is highly tech savvy and innovative and there’s a CM Santwana Harish Scheme Yojana
chance that they’d help make railways digital. in Karnataka
To see the terms and conditions, eligibility criteria and other details you have to log on to log on to Credit linked Capital Subsidy scheme
https://innovate.mygov.in/ Remember the last date of application is 20th December 2016. Declaring Unaccounted Money
Stashed in Demonetized Notes
Details of Places to Visit in Gurugram
Why are the citizens asked to come up with ideas?
(Gurgaon, Name Changed)
Digital Transactions Discount on
The reason the citizens are being asked to help give ideas is because they are the ones that are first hand
Insurance, Petrol and Diesel
experiencing the services. It is just like a company asking its customers to answer a few questions so that
Direct Transfer of Fertilizer Subsidy
they can rectify the services of their company. Railways is trying to take a more people friendly route by
Document required for opening account
implementing this.
under Jan Dhan Yojana
Donald Trump vs Hillary Clinton – Who
They are also trying to focus on the specific problems faced by the government and in doing so they are is better for India
trying to promote innovation. Download Account Opening form In
Hindi and English
Another idea is to take the help of the next generation in building the country. The government is of the notion e Nam Scheme | Rashtriya Krishi Bazar
that the next generation is highly tech savvy and that they can improve the working conditions of the railways. Yojana
http://pmjandhanyojana.co.in/category/blog/ 1/24
This is one of the reasons the assistance that is asked from the people is of digital innovative nature. e Verification Process of ITR |SBI | ICICI
| HDFC Net Banking | Aadhar Card
Here are a few more things you should know about railways Generating evc
Eligibility Criteria for the Reservation for
SC/ST/OBC candidates for Higher
Serial No. About Info Education | Apply Caste Certificate
Eligibility Criteria To open PM Jan Dhan
1 Railways Minister Suresh Prabhu
Yojana Account
2 Aim To improve railways Employee’s online smartphone app
launched for government services
3 Application mode Online EPF Withdrawal |Rules | TDS | Job
Change | Transfer | Exemptions | Lock
The budget for this will be announced
4 Fiscal Budget Plan 201718 In Period
during
Equalization Levy Meaning – Google
Other Articles Tax | Meaning | Start date | Impact |
Problems
Maha Wallet Application Maharashtra Fixed Deposit Double Scheme Yojana
Humsafar Express Train Route Free Cell Smartphone Scheme for Poor
in AP (Andhra Pradesh)
Vikalp Scheme
Free water scheme Delhi
Green Urban Transport Scheme
Freedom 251 |Delivery Date | Cash On
Delivery | Buy | Payment Link | Email |
Next Booking Dates
Posted by pmjandhanyogana at 7:41 am
Gold Jewellery Holding Legal Limits |
Income Tax on Gold
Good and Services Tax (GST Bill
Dec
14 NO service charges for online card transactions up to Rs Meaning Hindi / Eng) | Benefits |
Drawbacks | GST Tax Slab
2016
2,000 Google’s Bharat Saves With Jan Dhan
Blog No Responses » Yojana for financial planning
Green Urban Transport Scheme
NO service charges for online card transactions up to Rs 2,000
(GUTS)
Hamari Yojana Hamara Vikas Scheme
India, one of the most promising developing nations in the world has attracted lot of economic experts all
Haryana krishak upahar yojana
around the world as current Prime Minister of India took few bold decisions in recent past. The most
Higher Education and Skill
highlighting one is the demonization for higher Indian currency notes Rs.500 and Rs.1000 following that Mr. Development Credit Guarantee
Modi who is the current Prime Minister of India conveyed that RBI (Reserve Bank of India) will launch new Scheme Delhi | Educational Loan for
higher value currency note Rs.2000 with more secured features. Delhi Students
Holiday List for Central Government
Employees during year 2017 in India
How to Buy Namotel Acche Din Rs 99
Phone | Delivery Date | Site Not
Opening
How To Contact PMJDY Team
How to find CSC (Common Services
Centers) in your city
How to keep an account opened
functional
How to open a Jan Dhan Yojana
Account
How to open account in Jan Dhan
Yojna for a minor person?
How to Order Vobizen Wise 5 Rs 500
Smartphone Online | Cash On Delivery
How To Transfer old accounts under
Jan Dhan Yojana
Humsafar Express Train Number, Route
and Fares
Jan Dhan Yojana Overdraft Facilities
and benefits.
Bold Initiatives Taken by Government of India
Janani Suraksha Yojana (JSY)
Jio 4G Smartphone at Rs 1000 with
While addressing the demonization of Rs.500 and Rs.1000 to the fellow citizens, Mr. Modi also hinted that the Unlimited Voice and Data
process of banning these notes from pubic will makes all black money holders in before the justice. Also this Kanya Vidya Dhan Yojana
demonization process will leads India’s economy towards new level in near future. Followed by the Kempegowda Layout – Allotment of
demonization below listed are the few of bold initiatives taken by the central government of India Residential sites by BDA – Details &
Eligibility Conditions | BDA application
Implementing limitation on cash exchange and cash withdrawal from banks and ATM’s after the status
demonetization of Rs.500 and Rs.1000. By doing so, black money holders suffers a lot to exchange Laghu Udyog Small Business Ideas
their holding as all bank accounts and old currency exchanges are monetized by Income Tax With Low Investment Hindi
department. List of Banks authorized to open
accounts in Jan Dhan Yojana Scheme
On witnessing the people purchasing gold with their black money, central government implements List of Bigg Boss 10 Probable
strong protocols on the existing gold limitations for Indian families and individuals. Also the contestants and Episode Updates
announcement hinted that raids and other process will initiated over the people and bank account Lucky Draw Yojana
holders who changed or deposited huge amount of money in this demonization period. Lucky Grahak Yojana and Digidhan
Vyapar Yojana for Cashless
In order to get rid of the black economy, the central government requests people to go for cashless
Transactions
transactions and offered various relaxations for people who performs cashless mode of transactions.
Maha Wallet Application Maharashtra
Mahaprayan Yojana in Odisha
Initiatives taken for Cashless Transaction by Central Government of India
Mahatma Jyotiba Phule Jeevandayeeni
Yojana Maharashtra (cashless
S.No Facts and Benefits of going Cashless Details Information treatment of the poor)
Mai Bhago Scheme in Punjab | Cycle
Going towards Cashless economy would leads to Scheme in Punjab Students
1 Corruption free
corruption free society Make in India Scheme
Mazi Kanya Bhagyashree Scheme
Going cashless would reduce the cost of maintain the
2 Boost Economy Maharashtra (MKBS)
paper money by government
MP Board Class 10th and class 12th
Going Cashless would enables easy tracks for finding Results |Ruk Jana Nahi Scheme
3 Dethrone of Terrorism & Criminals Yojana
terrorists and criminals in society
Mudra Bank Loan Yojana (PMMY)
To be frank, cashless economy is the antibiotic for fake Details| Apply, Documents Required,
4 No Fake Currencies
currencies. Banks, Interest rates
Mukhya Mantri Shikshak Samman
Cashless Economy save lots of trees, which are cut Yojana in Himachal Pradesh | Opening
5 Ecofriendly
down for making paper cash of Aadharsh Vidyalaya
New Form 12BB for LTA, HRA and
After banning Rs.500 and Rs.1000 rupees notes from public, government suggest people to opt for card
Home Loan Interest Proofs to be
transactions in order to avoid finance lock in this crunch situation. In fact, the limitation of money withdrawal
furnished to Claim Tax Rebate
from ATMs is implemented in order to drive people towards the cashless transactions.
NITISH’S Saat Nischay (resolves)
Scheme Yojana in Bihar
In addition, current ruling NDA government approves various private sectors to involve in the payment Odd Even Scheme Delhi Details | Hindi
banking sectors. Owing to that, the telecom giant of India Airtel network owned by the Bharti groups started | Rules | Exemptions | Formula PDF
their own Payment banking sector well before the PayTM who expected to launch such services in India Pahal DBTL (LPG Subsidy) Yojana
earlier. Panjabrao Deshmukh Scheme Interest
Subsidy in Maharashtra
In order to ease the situation the central government of India offers various relaxations on online mode of PM Jan Dhan Yojana Complaints and
payments in fact, central government of India temporarily holds the service charging process for certain Issues
period, so that normal people too can avail the benefit of online mode transaction without playing any extra Pokemon Go APK India Download |
amount as service charges. Release Date in India | Updates | How
to Play
PPF Account | Interest Rate | Tax
Steps taken by RBI (Reserve Bank of India)
Benefits | Withdrawal | Age Limit
Pradhan Mantri Atal Pension Yojana
Since, the demonization process will hit nation’s inflation ratio, the RBI keen on keep the inflation mark within
(APY)
control. Recently, RBI has reduced its interest amount for money investment features offered by the
Pradhan Mantri Garib Kalyan Yojana
nationalized banks in order to increase the money floating among the public.
2016 (PMGKY)
Pradhan Mantri Gram Parivahan
Also, few days before RBI introduced new policy of giving relaxations of getting rid of service charges for Yojana
lower cash transaction up to Rs.2000 from debit or credit cards. Pradhan Mantri Jan Aushadhi Scheme
Pradhan Mantri Jan Dhan Yojana
Relaxed norms announced by RBI for lower transactions up to Rs.2000 (PMJDY)
Pradhan Mantri Jan Suraksha Bima
On 06th of December 2016, the reserve bank of India announced about relaxing the norms which are carried Yojana Policy (PMSBY)
for authentication process. The experts across the nation widely believed that by implementing this new Pradhan Mantri Jeevan Jyoti Bima
norms will increase the small value online transactions among the middle class families. Also the impact of Yojana
this AFA (Additional Factor of Authentication) will be the strong motive to get majority of normal people to get Pradhan Mantri Kaushal Vikas Yojana
involved in the cashless transactions. PMKVY | Apply | List | Scholarship and
Rewards
Pradhan Mantri Suraksha Bandhan
New Norms applicable only for Small value transactions up to Rs.2000
Yojana – PMSBY
AFA Additional Factor of Authentication Pradhan Mantri Surakshit Matritva

Yojana Details| Benefits |Eligibility
Limits sent of performing CNP transfers Rs.2000 Pradhan Mantri Swasthya Suraksha
Yojana (PMSSY)
CNP Card Not Present Pradhan Mantri Yuva Yojana (PMYY)
By introducing such relaxation, the low level merchant will get benefits as it ease the process of payments in Procedure of New Form15G and 15H
cashless mode. Online Submission
PV Sindhu biography in Hindi /Eng | PV
Conditions for the Relaxation in the process of online card Transactions Sindhu Wins Silver medal at Rio
Olympics 2016
RuPay card in Jan Dhan Yojna
In order to avail the relaxation offered by the Reserve bank of India for the lower transactions up to Rs.
2000, the card network must provide such payment authentication solutions.
The transaction carried above the threshold limit of Rs.2000 set by the RBI wont comes under this new Sagar Mala Yojana of the Indian
relaxation procedure and it will be proceed with the usual procedures. government
Also, the number of such easy mode of low cash transfer can be limited by the card network. The Samajwadi Namak Yojana in UP
limitation may be fixed upon daily basis or weekly or monthly, it’s fully up to the card network. Samajwadi Shravan Yatra Scheme and
List in UP
Sauchalay Nirman Gharka Samman
In the recent statement released from the RBI has clearly quoted that the respective banks and card issuing
Yojana Scheme
authority have their own rights of restricting their own customers by using such ease mode of AFA in terms of
Sauni Yojana ( Saurashtra Narmada
number of usages in a certain fixed time period.
Avtaran Irrigation)
Saur Sujala Yojana Scheme
What to do? For avail this AFA
Scholarship/Fellowship Schemes for
Women
Customers need to register at one time with the merchant with their card details and thereafter for every
Scooty for the school girls of Jammu
purchase made from the respective merchant would not requires card to pay the amount. With such and Kashmir Scheme
additional factor of authentication, customers can able to do card less transactions also it helps them to save Senior Citizen Saving Scheme (SCSS)
their precious time. [Post Office and SBI]
Small Account or Chota Khata PMJDY
This process of introducing AFA for lower cash transactions with merchant is highly welcomed by various solarrooftop.gov.in | Solar Rooftop
merchants and publics. In fact, the Uber president Mr. Amit Jain welcomes the move taken by the RBI by Subsidy Scheme Yojana – Apply Online
quoting as the government’s new policies are in right directions to encourage the citizens to enjoy the benefits Student Credit Card Scheme in Bihar |
of using cashless economy. How to Apply
Sukanya Samriddhi Yojana | Hindi | SBI
Conclusion | Eligibility
Swachh Bharat Abhiyan
With such useful and strong initiatives taken by the current central government led by Mr. Narendra Modi, it is Swadesh Darshan Scheme Yojana
assured that people of India would able to avail more and more benefits from the latest technology. And the Swasta Vidya Vahini & Andariki
Aarogyam Schemes in Andhra Pradesh
India is moving in the right path of achieving the goal of Digital India which is set by the current Prime Minister
Swasth Kutumb Yojana
of India, Mr. Modi.
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Scheme by Indian Govt
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Ujala Yojana| Free LED Bulb Scheme
Free Cell Smartphone Scheme for Poor in AP
Unified Payments Interface (UPI) | Apps
Har Ghar Bijli Yojana in Bihar | Process to Pay
Vehicle Swap Scheme
What is a Cancelled Cheques, Its Uses,
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12 *99# Mobile Banking Services : Mini Statement,Balance What is Paytm Wallet – Account
2016
Enquiry and Fund Transfer Opening, Wallet Usage, Cashless
Payments and Offers
Withdrawal Limit of PM Jan Dhan
Yojana
*99# Mobile Banking Services : Mini Statement,Balance Zero Balance Account through PM Jan
Enquiry and Fund Transfer | *99# Banklist and Short code Dhan Yojana
धानमं飽ी जन धन योजना
After demonetization, India is singing the song of cashless transactions. As this song is becoming popular by
the day, we felt the need for writing an article on mobile banking services offered by National Payments
Corporation of India using the universal code *99#. In this article, we will be sharing everything that you need Translate this Page In Hindi
to know about *99# services. In case you feel like going cashless, this article will come in handy for you to a
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great extent. So, roll up your sleeves and sit tight. This article is going to be a bit long. There is enough to
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write and enough to explain. We will pick up everything and move ahead one step at a time.
What is *99# service?
This is the first question that comes to your mind. Well, it is the universal code that can be used by any mobile
user in India for accessing mobile banking services. Not everyone has a smartphone and hence, mobile
banking apps are not available to everyone. Many people in India still make use of the simple handsets with
keypads and small TFT screens that are good for nothing other than calling or receiving calls and receiving or
sending SMS. What about those users? Can they not use any mobile banking service like money transfer,
account statement etc. using their simple and basic phones?
Yes, now they can! With the *99# service started by NPCI or National Payments Corporation of India, mobile
banking is made available to everyone who has a mobile phone – basic phone or smartphone. The only
requirement for the basic phone users is that the handset should be a GSM handset. While most of the basic
handsets are GSM handsets, some basic handsets in India are CDMA handsets. Users of CDMA handsets
are out of luck because on GSM handset owners can use this service.
A bit more about *99# service
*99# is a basically a mobile banking service. This service has been introduced by NPCI or National Payments
Corporation of India. This service is based on USSD. USSD stands for Unstructured Supplementary Service
Data. This *99# service by NPCI brings together two different types of service providers together. These two
different service providers are Banks and TSPs. TSPs stand for Telecom Service Providers. Yes, Banks and
TSPs work together to make the *99# service successful.
This service can be accessed by any GSM handset owner to get a number of financial services. All that a
person needs to do is dial the code *99# from his or her handset and then follow a few simple steps to get
access to the services that are provided by the banks through this universal code. However, for a person to
be able to use this service, he or she should have mobile banking activated and also, he should use the same
phone number to dial the code which is registered with his or her for mobile banking.
What on earth is USSD?
Now that we have a brief idea of what actually *99# service is all about, we need to turn our focus on USSD.
We mentioned this earlier and only told the full form of the abbreviation. But what really is that? USSD or
Unstructured Supplementary Service Data is basically a technology. This technology is used only and only by
GSM handsets. GSM stands for Global System for Mobile Communications.
Now, GSM handsets come with an inbuilt capability of information transmission over signalling channels used
by GSM networks. This capability or technology of information transmission is known as USSD. This USSD
technology provides what is known as sessionbased communication. Because of this sessionbased
communication, the USSD technology is capable of enabling a wide range of applications. Previously USSD
was primarily used for telecommunications. However, because of its sessionbased communication
capabilities, USSD technology has now been introduced into enabling banking services over the GSM
networks.
What are some of the most important features of *99# services?
Here are the most important features of the *99# service in a tabular format:
In order to use this service, you don’t need to have internet on your phone.
No internet needed
This service basically uses what is known as voice connectivity.
The code *99# is totally independent of TSP or telecom service provider.
TSP independent code This means that irrespective of the mobile network you are using, you will
be able to use this code.
Whether you are within your state or whether you are outstation in a
Free while roaming different state, you can always use this service for free. There are no
charges for using this service while you are on roaming.
Whether you have a smartphone or a simple basic phone, you can use this
Independent of mobile
service as long as your mobile handset is a GSM handset and it is using a
handset
TSP that uses GSM network.
Whether it is a public holiday or whether it is a weekend, you need not
24 x 7 x 365 availability worry about not being able to use banking services. The *99# mobile
banking service works 365 days a year, 24 hours a day!
You don’t have to install any kind of application on your mobile handset to
No app installation required
be able to use this service.
This *99# service has become a new channel for using banking services and of course, when it comes to
financial inclusion of all Indians, this service becomes one of the most important catalysts.
Now, the most important question…
What services are provided through *99#?
*99# service provided by National Payments Corporation of India allows customers to enjoy the following
services using their GSM handset:
Financial services
Nonfinancial services
VAS or Value Added Services
These are basically broad heads. There are multiple services available under each of this broad service
group. As of now, the number of services provided under each broad head are limited and have mentioned in
the table below:
Financial Services Nonfinancial Services Value Added Services
Person to Person Fund Transfer Knowing the MMID
(known as P2P)
Generating MPIN
Changing MPIN Query Service on Aadhaar
Person to Account Fund Transfer
Mapper or QSAM. It is also known
(known as P2A)
Generating OTP as *99*99# service
Person to UID Fund Transfer Balance Enquiry
(Known as P2U)
Mini Statement
Now, let us take a quick look at each of the service heads of the *99# service in a bit of details. We will take
on each of the individual component in details later in this article.
Financial services
The financial services offered through *99# involves only fund transfer. However, there are various options
available for fund transfers. Let us take a quick look at them:
There are three ways in which funds can be transferred using the *99# service. These are:
In this method, you will have to know the MMID and the mobile
MMID and Mobile Numberbased fund
number of the beneficiary to whom you will be transferring
transfer
funds.
This is more or less like direct bank transfer where you will need
Account number and IFSCbased fund
to know the account number of the beneficiary and the IFS code
transfer
of the bank branch where the account is located.
Aadhaar Numberbased fund transfer In this method, you will need to know the Aadhaar number of
the beneficiary to transfer funds.
Nonfinancial services
Nonfinancial services involve a number of services which are usually used as an aid for financial book
keeping or direct financial services like fund transfer. These nonfinancial services do not involve transfer of
funds. Let us take a quick look at the various nonfinancial services that are covered under the *99# service
of NPCI.
You can check the balance in your bank account. However, you
Balance Enquiry will have to have your mobile number linked with your bank
account and mobile banking should be active.
You can generate a mini statement of your savings bank
Generation of Mini Statement account. As before, mobile banking should be active and the
number should be linked to your bank account.
When mobile banking is registered for a person, something
Knowing MMID† or Mobile Money called Mobile Money Identifier of MMID is allocated. People
Identifier don’t usually use this pretty often and hence, forget the same.
The *99# code can be used for knowing the MMID.
MPIN stands for Mobile PIN. This is more like a password which
a user needs for authorizing any financial transaction through
Generating MPIN
mobile banking. This MPIN can be generated or a new one can
be set by a person using the *99# service.
Generating or setting MPIN is always an option however, once it
is set, it cannot be set again. The only thing that can be done is
Changing MPIN
changing the MPIN. In case you want to change your MPIN, you
can use the *99# service.
OTP stands for One Time Password. It is basically an additional
layer of security that people use for various types of
Generating OTP transactions. Using OTP is always a good idea because
fraudsters cannot get hold of OTP unless it is explicitly handed
over to them.
† In case you are not aware, MMID is basically a 7digit code. This code is generated and handed over to
you when you activate your mobile banking service with your bank.
Value Added Service
The Value Added Services provided through *99# is currently limited to knowing whether your bank account
and your Aadhaar number are linked or not. No other Value Added Services are provided as of now.
List of banks that Allow *99# Banking Services with their 3 digit short code
Bank Name *99# Short Code
Abhyudaya Coop Bank Coop (ABHY) ACB
Allahabad Bank Public (ALLA) ALB
Andhra Bank Public (ANDB) ANB
Apna Sahakari Bank Coop (ASBL) APN
Axis Bank Private (UTIB) AXB
Bank of Baroda Public (BARB) BOB
Bank of India Public (BKID) BOI
Bank of Maharashtra Public (MAHB) BOM
Bhartiya Mahila Bank Public (BMBL) BMB
Canara Bank Public (CNRB) CNB
Central Bank of India Public (CBIN) CBI
Corporation Bank Public (CORP) CRB
DCB Bank Private (DCBL) DCB
Dena Bank Public (BKDN) DNB
Federal Bank Private (FDRL) FBL
Gujarat State Coop Bank Coop (GSCB) GSC
Hasti Coop Bank Coop (HCBL) HCB
HDFC Bank Private (HDFC) HDF
ICICI Bank Private (ICICI) ICI
IDBI Bank Public (IBKL) IDB
Indian Bank Public (IDIB) INB
Indian Overseas Bank Public (IOBA) IOB
IndusInd Bank Private (INDB) IIB
ING Vysya Bank Private (VYSA) ING
Janata Sahakari Bank Coop (JSBP) JSB
Karnataka Bank Private (KARB) KTB
Oriental Bank of Commerce Public (ORBC) OBC
Punjab & Sind Bank Public (PSIB) PSB
Punjab National Bank Public (PUNB) PNB
State Bank of India Public (SBIN) SBI
Syndicate Bank Public (SYNB) SYB
Union Bank of India Public (UBIN0 UOB
Yes Bank Private (YESB) YBL
Getting started with *99#
Before you start using *99# services, here are a few things that you will need:
You will need your mobile number already registered with your bank for mobile banking.
Mobile banking services should be already active for your account.
Your phone should be a GSM handset.
Your registered phone number should be on and active in your phone.
If all these conditions are met, you can get started with *99# service. In case any of these conditions are not
met, you need to make sure that these conditions are fulfilled. Unless the conditions are fulfilled, the *99#
service will not work.
For instance, if your handset is not a GSM handset, you will have switch to a GSM handset. Similarly, if
mobile banking is not active for your bank account, you need to activate the service. In case your mobile
number has not been registered with your bank for mobile banking, you need request your bank branch to
active mobile banking for your phone number and your account.
Once you are sure that all the prerequisites are fulfilled, you can start using the *99# service.
How do you use different services using *99#?
Here in this section we will take you through a stepbystep guide of using various services that are offered
under the *99# service. Let us first get started with the Nonfinancial services which are simple and easy.
Nonfinancial service: Balance Enquiry
WHAT CAN YOU DO? YOU CAN CHECK THE BALANCE IN YOUR ACCOUNT USING THIS SERVICE
WHAT SUBCODE TO USE? THE SUBCODE THAT YOU NEED TO USE IS ‘1’
Serial Number Steps to Follow
# 1 Use your mobile handset and dial *99#
You will see a welcome message on the screen of your phone. You will be asked to
enter any one of the following:
(a) First 3 letters of your bank’s short name or,
# 2
(b) First 4 letters of your bank’s IFS code.
Enter either one of the two. It should be a valid one. Make sure that you check your
bank’s short name and IFS code properly before you start using this service.
After you enter either one of the two options given and hit ok, you will see a list of
# 3
services available. The first option with serial number 1 is for Balance Enquiry.
# 4 Enter the subcode (that is the serial number of the service) 1 and press submit.
You will see a confirmation screen. The balance of your account will be displayed
# 5
on your phone’s screen.
That’s all! That is how you check the balance of your account using *99# service. It is not rocket science, is it?
Nonfinancial service: Mini Statement
WHAT CAN YOU DO? YOU CAN GENERATE A MINI STATEMENT FOR YOUR ACCOUNT USING THIS
SERVICE
# 2
# 3 services available. The second option with serial number 2 is for Mini Statement
generation.
You will see a confirmation screen. The mini statement for your account will be
# 5
displayed on your phone’s screen.
Nonfinancial service: Knowing your MMID
WHAT CAN YOU DO? YOU CAN KNOW THE MMID FOR YOUR ACCOUNT USING THIS SERVICE
# 2
# 3
services available. The sixth option with serial number 6 is for knowing your MMID.
You will see a confirmation screen. The MMID that was generated for your account
# 5 will be displayed on your phone’s screen.
Nonfinancial service: Changing your MPIN
WHAT CAN YOU DO? YOU CAN CHANGE THE MPIN FOR YOUR ACCOUNT USING THIS SERVICE
# 2
# 3 services available. The seventh option with serial number 7 is for changing your
MPIN.
You will receive a screen where you will have to enter the OLD MPIN and then the
# 5
NEW MPIN. Once you do that, press confirm.
You will now see a confirmation screen on which you will receive the message that
# 6
MPIN has been changed successfully.
Nonfinancial service: Generating OTP or One Time Password
WHAT CAN YOU DO? YOU CAN GENERATE OTP OR ONE TIME PASSWORD FOR YOUR ACCOUNT
USING THIS SERVICE. THIS OTP CAN BE USED AS A SECOND FACTOR AUTHENTICATION
# 2
# 3
services available. The 8th option with serial number 8 is for generating OTP.
# 5 You will receive a screen where you will have to enter your MPIN
You will now see a confirmation screen on which you will receive the OTP or One
# 6
Time Password that you can use as authentication factor for a service.
That concludes our nonfinancial services. Now we will take a look at how to use the various financial
services using *99#. Remember that financial services are only limited to fund transfer but there are different
methods of fund transfer which are allowed using the *99# service. Let us quickly go through those.
Financial service: Mobile Number and MMIDbased fund transfer
In this method, you can use the mobile number and MMID (of the person to whom you want to send money)
for transferring funds. The steps involved (or better said, transaction flow) is given in the table below:
WHAT CAN YOU DO?YOU CAN TRANSFER FUND TO A BENEFICIARY USING MOBILE NUMBER AND
MMID OF THE BENEFICIARY
# 1 Start by dialling *99# on your mobile handset.
Once you dial *99#, you will see a welcome screen where you will be asked to
enter either:
(a) First 4 letters of your bank’s IFS code or,
# 2
(b) First 3 letters of your bank’s short name
In case you do not know either, you can visit your bank branch and ask for the
details. Make sure that you are entering correct information.
# 3 services available. The 3rdoption with serial number 3 is for transferring fund using
mobile number and MMID.
On the next screen you receive, you will have to enter the following details:
(a) Mobile number of the beneficiary.
(b) MMID of the beneficiary.
# 5 (c) Amount you want to transfer.
(d) Remarks (if any).
Remember that remark is optional. You may write something or simply leave it
blank.
On the next screen, you will have to enter the MPIN (your MPIN). You may also
# 6 enter your account’s last 4 digits but it is however optional. Confirm when you are
done.
Once the transaction goes through, you will see a confirmation screen where you
# 7 will see ‘success’ response. In case the transaction fails for a reason, you will see
‘failed’ message.
Financial service: Account Number and IFS Codebased fund transfer
In this kind of fund transfer service, you will need the account number as well as the IFS code of the
beneficiary. In case you know the both, here are the steps that you need to follow to use this method of fund
transfer:
WHAT CAN YOU DO?YOU CAN TRANSFER FUND TO A BENEFICIARY USING ACCOUNT NUMBER AND
IFSC OF THE BENEFICIARY
enter either:
# 2
# 3 After you enter either one of the two options given and hit ok, you will see a list of
services available. The 4th option with serial number 4 is for transferring fund using
Account number and IFS Code.
On the next screen you will receive, you will have to enter the following details:
(a) Account number of the beneficiary.
(b) IFS Code of the bank branch of the beneficiary.
# 5 (c) Amount you want to transfer.
(d) Remarks (if any).
blank.
done.
Financial service: Aadhaar Numberbased fund transfer
In this type of fund transfer, you will need the beneficiary’s Aadhaar Number. In case you want to use this
method, you need to follow the steps mentioned in the table below:
WHAT CAN YOU DO?YOU CAN TRANSFER FUND TO A BENEFICIARY USING AADHAAR NUMBER OF
THE BENEFICIARY
enter either:
# 2
# 3 services available. The 5th option with serial number 5 is for transferring fund using
Aadhaar number.
On the next screen you receive, you will have to enter the following details:
(a) Beneficiary’s Aadhaar Number
(b) Amount you want to transfer.
# 5
(c) Remarks (if any).
blank.
done.
IMPORTANT THING YOU SHOULD REMEMBER
Do remember that different banks will have different authentication methods in place. The security measure
that a bank may ask for may differ from the security method that is used by some other bank. Usually, they
will use any one of the following two:
You may have to enter the last 4 digits of your own account number as a security measure.
You may have to enter your user ID.
So, make sure that you have both in your mind.
*99# banking services FAQ
Is the *99# service free?
No, the service is not free. Your TSP will charge a certain amount of money. Different TSPs can have different
charges. However, the maximum amount that a TSP can charge is INR 1.50. This is a TRAI mandate that no
TSP should charge any more than INR 1.50 per transaction. However, different TSPs can charge less than
the set ceiling.
For financial services, what is the maximum fund transfer limit?
The maximum fund transfer limit using *99# service is INR 5,000 in a single transaction. In case you want to
transfer more, you need to carry out a second transaction and subsequent transactions.
Is it possible to stop or cancel a financial transaction once it has been initiate?
If necessary, think 100 times before you initiate a transfer using *99# service. The reason we are saying this
is that once you initiate the transfer, it cannot be stopped or cancelled. This service uses what is known as
IMPS channel. IMPS is for immediate fund transfer. This means that the moment you initiate the transfer, the
fund will reach the beneficiary account.
Is it necessary for the beneficiary to have his mobile number registered for mobile banking to receive
funds using *99# service?
Yes and no both! In case the beneficiary want to receive funds using the method of MMID and mobile number
then yes, the beneficiary needs to register for mobile banking. In case the beneficiary wants to receive money
through Aadhaar number or through the method of account number and IFS code, it is not necessary for the
beneficiary to have a mobile banking registration.
Are there any known problems for *99# services?
As of now, there are three known problems:
Handset compatibility: Even if a handset is GSM handset, it may not support USSD service. There
are a few such handsets. Check out whether the handset you are using supports the USSD service or
not.
Declined request or transaction error: This may happen because of a technical issue that can arise
out from the end of the bank or the TSP that you are using.
Incorrect input: In case wrong information is entered by you, a transaction may be declined. So, be
careful about the information you are providing. Sometimes, a wrong information may mean that funds
are transferred to a different person and not to the intended beneficiary.
That’s everything you need to know about *99# Bank codes and uses. In case you have any question, feel
free to drop comments and ask. We will try to answer your questions as soon as possible.
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Posted by pmjandhanyogana at 6:51 pm
Dec
01 Urja Ganga Gas Pipeline Project
2016
Urja Ganga Gas Pipeline Project
It is quite understood that the Modi Government wants to make India a fully developed country which is
economically, socially and politically strong. From the time Narendra Modi has come to power he has
launched a lot of projects and scheme for the benefit and development of the people of the country. Now one
knows quite well that for any country it is important to have good energy source and structure as the
economy of the country.
The Urja Ganga Project has been proposed in order to sort out the problem raised behalf of utilizing unclean
and safe fuels. A lot of businesses and industries require fuel and it is one of the main elements of growth of
any country’s economy. The current ruling party’s CM Mr. Narendra Modi recently launched the Urja Ganga
project in Varanasi. A grand launch function was organized in Varanasi where Prime Minister Modi launched
many development projects together. He talked but the budget that would be required for the project and said
that project will be finished on a fast forward basis.
Urja Ganga Project Benefits
Under this project gas pipeline will be place in Varanasi that will provide piped cooking gas to the people of
Varanasi. The project of placing the pipe line is supposed to be completed within the year 2020.
The gas pipeline which is purposed to lay underground would supply ecofriendly gas fuels for several
thousand kilometers and it will cross above 5 cities in the eastern part of India. Once the project is completed
the people of these cities will get gas supply in the houses. There is a lot of benefits that is being associated
and expected from this project. The main fact is that the project will help in the renewal of many declining
fertilizer industrialized units in these cities. Apart from houses getting natural gas directly, the gas pipeline
would also help in the shift of vehicles in using CNG mode. This will include around half a million vehicles
using CNF mode which will solve the fuel problem in the country.
The launch event of Urja Ganga project in the City of Varanasi
During the launch the NDA government also announced that they were keen on launching many other
schemes and project that would aim at benefiting the families falling under the Below Poverty Line category.
The launch event of Urja Ganga project held along with the stone foundation ceremony for second rail line
electrification in between the routes from Allahabad to Varanasi.
Being a hometown of Indian Prime Minster Mr. Narendra Modi, the Varanasi city often listed in the headlines
on getting various beneficiary schemes by current NDA government. On that list current Urja Ganga project
gets added. And resident of the Varanasi would able to enjoy the uninterrupted gas pipelines connection
which going to be laid by the GAIL (The Gas Authority of India Limited).
While addressing the people in the event, Modi said that his government is making all efforts to design the
best scheme for the people of the country. He said the focus is now on making all the basic necessities
available to all the people of the country. He also gave a grant of Rs.5000 crore for the people of Kashi.
Objective of the project
During the launch Prime Minister Modi said that the main objective of this project is to bring about
development in the Eastern region of the country. The project will make possible the concept of providing
reasonable PNG connections to the Indian households and CNG for vehicle. Here are some of the major and
specific objectives of the project
The first and the main objective of launching this project is to improve the living standards of the people
of Varanasi by providing them with healthy cooking gas. This project will cover a lot of people and
benefit them all as it include states like Odisha, West Bengal, Bihar and a few others.
With this Urja ganga project several thousands of households and vehicles which are running with LPG
and CNG gases would be benefited under this project. The aim is to set up around 20 CNG stations for
the vehicles to get rid of the diesel and petrol problem.
The objective of this project is also to reduce pollution. This will happen because the CNG vehicles will
be promoted with the launch of this project. Also the economic will grow as CNG is much cheaper.
With the help of this project the many factories of Gourkpur will be revived and will also provide more
employment opportunities for many people.
Important details about the project
As per the official’s statement, it has been notified as around 51 thousand crore was needed to lay gas
pipeline under this project Urja Ganga project successfully.
The aim would be benefit the villagers around these cities as well and help all the BPL families in
getting gas connections.
It has been announced that the first phase of the project will start in the month of December 2018.
Once this happens the city of Varanasi will be transformed into a high profile city.
800 kilometers of gas pipeline will cover Varanasi alone which means that the project would focus on
the benefit of the people in Varanasi. In the coming 5 years this project would provide accessibility of
LPG gas cylinders to around 5 lakh people.
It has been announced that in Uttar Pradesh a gas pipeline of covering a distance of 338 kilometers will
be laid which will be enough for fulfilling the needs of the state. Then in Bihar a gas line of 441
kilometer will be laid which will include the rural areas as well. In Jharkhand the gas line will be of 500
kilometers. Then in West Bengal the distance covered by the gas line would be of 542 kilometers.
Specification for Varanasi
This project will benefit the people of Varanasi to the maximum. Here is the details about it.
In Varanasi the pipeline network of 800 inch will of steel due to its hard and durable nature. With the help of
this around 20000 vehicles can be converted to the CNG mode which will come as a sense of relief for many
people as CNG is much cheaper than petrol. Also all the families of Varanasi will get healthy cooking gas
which is much better.
Future Plan
The Gas Authority of India Limited (GAIL) has already has the gas pipeline network of about 11,000 Km and
with this Urja Ganga project the numbers would get raised rapidly. Similarly, in nearby future, GAIL plans to
lay more number of gas pipelines across the nation as the extension of the current ongoing project Urja
Ganga Project.
Though, experts has the second thought on considering the safety precaution while running a gas pipelines
nearby the people area, still the safety protocols followed by GAIL is pretty much encouraging to experience
the benefits availed behalf of laying those underground gas pipelines.
Conclusion
The launch of this project will surely lead to the progress and development of many Eastern Indian cities and
mainly Varanasi. It is estimated that 6500 people will get better job opportunities with this project. Also the
CNG that will be made accessible with this project will help raise employment opportunities in the Hotel and in
Diary businesses.
Another most important benefitting factor of this project is that it will help in the reduction of pollution. When all
these factors are taken into consideration, it can be said that the Urja Ganga Project comes will great scope
and if executed well, it will benefit a lot of people.
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Nov
21 Har Ghar Bijli Yojana in Bihar
2016
Har Ghar Bijli Yojana in Bihar
There are still a lot of home in the rural and semirural areas of the country where electricity has not reached
yet. The Indian Government is making a lot of efforts in making electricity available to all the houses of the
country. So a scheme has been launched with a motive of providing electricity to the Indian households.
Name of the scheme Har Ghar Bijli Yojana
Scheme launched by Bihar Chief Minister Mr. Nitish Kumar
Objective of the scheme Provide electricity to all the households of Bihar State
Scheme launch date 15th November 2016
Scheme duration 20162018
The Har Ghar Bijli Yojana has been launched with an objective of providing light to all houses in the state of
Bihar by providing electricity connection. The reason for launching this scheme is because many houses in
Bihar are still without electricity.
This is a progressive scheme launched by the Nitish Kumar Government and is a part of the Seven Nischay
policy that brought him to power this time. This scheme will be implemented in the state of Bihar on a fast
forward and priority basis. It has been announced that as a part of this scheme around 20 million of houses in
the state would get electricity connection. There are families who do not belong to the BPL category but still
do not have electricity connection. So this Yojana will cater to them.
Objective of the scheme
There are many houses in Bihar where there is no electricity connection. Now these families have to face a
lot of problems as they do not have electricity connections. Under this scheme all the families of Bihar which
do not yet have electricity connection will be covered. Financial help will also be provided to them. Apart from
this the overall objective of the scheme is to provide a better lifestyle to the people of Bihar and take the state
towards development.
During the launch of the scheme Nitish Kumar said that the consumption of electricity has increased in the
past 10 to 12 years. But then there are still many household that do not have electricity. So under this scheme
the target would be to provide electricity connection to such families and households.
Features of the scheme
Under this scheme around 50% of the families who live in the rural areas and being to the Above
Poverty Line category and do have electricity connections will be covered.
The families who belong to the BPL category will not be included in this scheme. This is because they
are already being covered under the centrally sponsored Deen Dayal Upadhyaya Gram Jyoti Yojana.
All the households of the state, apart from the ones being covered under the Deen Dayal Upadhyaya
Gram Jyoti Yojana, will be covered under this scheme.
Free electricity will be provided to the beneficiaries but then this will mean only the electricity
connection and installation charges will not be taken. But the monthly bill has to be paid by the
beneficiaries as per the usage.
Now if any family does not want to take up electricity connection then the head of the family will have to
give a written statement along and will have to mention the reason for the denial of electricity
connection.
Providing of electricity to all the beneficiaries has to be completed within the end of the year 2018.
Incase this does not happen the agencies that are responsible for providing electricity to the
beneficiaries would be cased.
Saat Nischay
The Har Ghar Bijli scheme is a part of the ‘seven Promises’ that was made by the Chief Minister of Bihar
when he came into power. He recognized certain development necessities in the state and had said that the
primary focus of his government will be make sure that these necessities are fulfilled.
The Seven Nischay includes building proper roads and drainage, providing electricity to all households,
working on youth development, building toilet and do away with open defecation, stretching higher education
scope in the state, providing fresh drinking water to all, and empowering women of the state.
The Har Ghar Bijli is the last Yojana to have been launched as a part of the Saat Nischay. But then the
government of Bihar would make sure that all household get electricity connection within the end of year
2018.
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18 Mukhyamantri Teerth Darshan Yojana (Jharkhand)
2016
Mukhyamantri Teerth Darshan Yojana (Jharkhand)
The Government of Jharkhand approved for the Mukhyamantri Teerth Darshan Yojana for the residents of
the state on the 30th of August. This is a scheme that is aimed at providing Teerth Yatra to the old people of
the state who cannot go themselves due to financial or other problem.
Scheme Name Mukhyamantri Teerth Darshan Yojana
State Government which Implements the Teerth Darshan
State Government of Jharkhand
Yojana
Number of Devotees picked for first slot under Teerth
1000
Darshan Yojana
Who announced the details about first slot of devotes
Mr. Amar Kumar Bauri
under this scheme
With whom the state government collaborated to make
IRCTC
this Teerth Darshan a successful one
Objective of the Mukhyamantri Teerth Darshan Yojana in Jharkhand
There are many backward and poor people in the state of Jharkhand who want to go for pilgrimage tours but
are not able to due to many reasons. This is very depressing for many people of different religious
communities. So to help such people visit important religious places the government of Jharkhand has
implemented this scheme in the state.
This scheme is applicable in few other states of India as well, including Madhya Pradesh.
Features of the scheme
Under this scheme the categories of people that would be included are poor people, economically and
socially backward people, and senior citizens of the state.
Under this Yojana the eligible citizens of the state are taken to religious destinations in the country. In
the first slot of the Yojana around 1000 people of the state were taken to Puri and Bhubaneswar.
All sorts of medical, food and lodging facilities is given to the devotees during the Yatra. The travel and
accommodation is taken care by the IRCTC department. The Jharkhand Government has tied up with
IRCTC for this Yojana.
Any person from the state of Jharkhand, who clears eligibility criteria, will be able to avail this Yojana
and make a trip free of cost. The State government will take care of all the expenses. People will be
free to choose the religious place that they want to visit.
Under this scheme the eligible beneficiaries will be able to choose two religious places that they want to
visit, and the rest will be taken care by the state government. The chosen place can be within the state
or outside the state but has to be within the country limit.
This facility can be availed once in a lifetime by the citizens and it is applicable for the people above the
60 only. In case the pilgrim is above the age of 65 years then he or she can be accompanied by an
attendant.
Only the people who are not applicable for any income tax or any other tax will be applicable for this
scheme. Also the person will be considered for the trip of he or she is physically and mentally fir to take
the trip.
The first trip under this scheme
As a part of this scheme 1000 eligible people of the state went to Puri and Bhubaneswar, without spending
any money on the trip, as it was taken care by the state government of Jharkhand. Puri is has the temple of
Lord Jaganath and is one of the most visited pilgrimage places of the country. Food an accommodation was
all arranged by the state government in collaboration with IRCTC. Another group of people will be again taken
to Puri in the month of February.
The Chief Minister of Jharkhand said that this scheme would benefit a lot of people who want go for such trips
but cannot, mainly due to financial problems. So this scheme would provide them all with an opportunity to go
for a pilgrimage to the place that they want you and that too free of cost. The preferred candidates for this
Yojana is the people who belong to the BPL categories and do have any other source for availing such trips.
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13 Government to keep eye on JanDhan accounts for large
2016
deposits
Government to keep eye on JanDhan accounts for large
deposits
As Prime Minister recently banned the higher values currency Rs.500 and Rs.1000 notes. It create a big
tension in the middle of those people have black money and who had not paid tax on time. These people are
trying to find out solution of the problem which they are facing because of this ban. A few of them think that
they can save them from income tax officer inquiry by depositing their 500 and 1000 notes in JanDhan
account.
Witnessing High Cash Flow in JanDhan Bank Accounts
In literal the Pradhan Mantri JanDhan Yojana is for poor people. But after seeing that fraud people are going
to take benefit of this Pradhan Mantri JanDhan Yojana, government plans to look into cash deposits in bank
accounts opened under the Pradhan Mantri Jan Dhan Yojana. High authority said that if bank find a large
inflow in any of Jan Dhan account then inquiry will be done by authorities.
According to the reports received from trustable sources, there are around 25 crore JanDhan accounts all
over the India. Govt said that if there is suddenly a big “deposits in Jan Dhan accounts in one area, we will
find out where this cash has come from. As al the processing in banking are monitor by camera and live video
recording is done in all the banks so it is easy to identify the fraud peoples.
Reason Behind this Fraud
Since, the government announced its state of tracking the cash deposit which is above the threshold
limit of above Rs.2.5 Lakhs. People are seeking the leaks available to get themselves hide.
The Account holder of JanDhan which are experienced the sudden cashflow have be approached with
cash bribes in order to do the cash deposit in their respective accounts.
As the maximum limit of deposit in Jan Dhan account is 1 lakh and if somebody deposit more than this
amount then the threshold limit, RBI ask the entire bank to keep their eyes on such kind of peoples.
So it is clear that govt is fully ready to deal with fraud people who had not deposit their tax on time and to
people who have income from illegal activities. So now it is duty of every Indian that cooperate with govt so
that our society will be free from the frauds.
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10 Buzz Credit Card by Axis Bank
2016
Buzz Credit Card by Axis Bank
These days, online shopping becomes one of the hot trends for modernized youths and adults. To be frank,
people are getting to forget the traditional mode of shopping as the convenient of online shopping attracts
them a lot.
Axis Bank’s Innovative Thoughts
On considering those facts and changes expected by the customers and modern peoples of India, Axis Bank
join hands with the online shopping legend Flipkart and launched its new ‘Buzz Credit Card’ which is referred
as the contactless card from the Axis bank officials. This all new contactless card which is ‘Buzz Credit card’ is
especially launched in order to assist the needs of modern people in their online shopping activities.
S.No Things Need to Know about Axis Bank’s Buzz Credit Card Details
1 Name of the Credit Card Launched by Axis Bank Buzz Credit Card
Worth of Gift Voucher received as welcome offer from axis
2 Rs. 1000
bank
Percentage of Discounts which can be availed using Buzz
3 5%
credit card in Flipkart
Number of restaurants tieups with Axis bank to offers 15% Above 5000+ restaurants across
4
discount for Buzz Credit Card India.
Speciality of Axis Bank’s Buzz Credit Card
Along with the various welcome offers like getting Flipkart’s gift voucher worth of Rs. 1000. The newly
released Axis bank’s Buzz credit card has various exiting features which are about the discussed below.
Meanwhile, the welcome offer of getting Flipkart’s gift voucher can be availed if the consumer prefers to
purchase 3 times within the initial 45 days after getting this new Buzz Credit card from Axis bank.
Consumers of Axis bank’s all new Buzz Credit card can avail the benefit of getting around 5% discount
on their purchase from the new credit card. Simultaneously, the discount would be limited to the
maximum amount of Rs.200 on monthly basis.
A consumer who prefers using Axis bank’s Buzz Credit card would get (6 or 2) eDGE loyalty reward
points for their every purchase made for Rs.200. However, this can’t be applicable for spending money
for travel in online.
Also the Axis bank’s new Buzz Credit card has the Dining Delights option by which consumers able to
get around 15% discount for their dinner in more than 5000+ restaurants all across the nation.
At the same time, consumers are highly advised to read the terms and conditions before applying or utilizing
the Axis Bank’s all new Buzz Credit Cards. The terms and condition would enable readers/viewers to
understand the features and offers which can be availed using the card pretty clearly.
Impact of Axis Bank’s New Buzz Credit Card in the market
As the globe turning digital and particularly Indian Prime Minister Mr. Modi Ji, urges people of India to opt
cashless transaction for their every purchase, the release of new buzz credit card from Axis bank along with
the online shopping portal giant Flipkart’s tieup provides various benefits and enabling customers to enjoy
these festival seasons by online shopping.
At Launch Function
Sangram Singh, the Axis Bank’s head of Cards & Payments exclaims the growth of the ecommerce and their
customer’s online savvy activities had forced them to introduce such online shopping friendly credit card. Also
he added by listing the exiting features and benefits for Buzz credit card at the event.
On the other hand, the Head Category Design Organization of Flipkart Mr. Kalyan Krishnamurthy conveyed
as the newly released Axis Bank’s Buzz Credit Card not only offers discount price for consumers while
purchasing in flipkart also it provides high number of reward points and flipkart Gift Vouchers for every
purchasing in online.
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08 Last date to deposit or exchange Old Rs 500 and 1000
2016
Notes | Old Rs 500 and 1000 Deposit and Exchange Form
Last date to deposit or exchange Old Rs 500 and 1000 Notes |How to Deposit and Exchange Old rs
500 and Rs 100 Notes | Old Rs 500 and 1000 Deposit and Exchange Form
Well, the increased currency is presently a burning issue right now. Few days ago there was the news of
introduction of 2000 rupee note in India. But finally that idea was banned in India. And that has resulted in a
major question whether the 500 and 1000 rupee notes will exist in India. And the answer to this question is,
these 500 and 1000 rupee notes will be discontinued. Now, we know you are looking for answers why the
notes are going to be banned? The reasons are as follows:
Increased restriction is a primary reason. For instance, you will have to show your PAN card number while
depositing more than Rs 50000 in cash in any bank. And because of this, the black money stays out of reach
of banks. Previously, the cooperative banks were the safe haven for tax evasion. Because there was no TDS
deduction. But now they deduct TDS from every individual. You will also have to show your PAN if your
cumulative deposit is more then rs 50,000.
The second reason is, if the high demolition notes are withdrawn it will also reduce the generation of black
money in future. Because, it will become difficult for anti socials to deal in cash, especially for the large deals
that are done in crores. Smuggling of currency notes from outside India will also become difficult. This is
really important for our national security because the terrorist organizations make use of the black money for
financing. And these deals with black money are done on high demolition notes for financing.
The European Central Bank has already banned the printing of 500 Euro notes. And those notes have been
already banned in the name of Bin Laden notes because of its association with terrorist funding. The currency
notes leave no trail and offer anonymity and this is why the step has been implemented right now. From today
midnight, the 500 and 1000 rupee notes will be banned.
Process to Depsit Exchange Rs 500 and Rs 100 Notes
The Good news is you can deposit your old notes in banks and post office in you have account with them.
You can deposit you hard earned money till 30th Dec 2016 in banks and post office. If you miss this window
then you still have the time to deposit your money in RBI till 31st March 2017. Exchange of Old notes can be
done till 24th November only with a daily limit of rs 4000.
So if you wish to deposit your money within time then you will have to fill the form shown below. In which you
will have to fill the Bank Name , Bank Branch and your details like account Number and total number of old
notes that you want to deposit. You can Use this form in All Government banks Like SBI, PNB etc and all
Private banks like ICICI, HDFC etc.
You can take a print out of this form and it will solve your purpose. The exchange Limit has been set as Rs
4000 for old Notes this seems to mainly done for people who do dot have bank accounts. In any case you
will have to carry a photo copy of your ID prof with you. All the process will be video recorded so it is advised
not to deposit anybody elses money in your account as it would lank you in some legal trouble.
Documents Required for Deposit or Exchange of Old Rs 500 and 1000 Notes.
Photo copy of ID Prof Like (Aadhar Card, MNREGA card, PAN Card, etc)
Dully filled Deposit form
It has been also declared that you can deposit any amount of money in your account in the time frame given
but if you are not able to tell the source of such income then he/she would be penalized as per land of law.
Bank and ATM withdrawal Limit
After banning old notes there has been a withdrawn limit in cash withdrawal. This has been done for initial
days only due to lack of supply of new notes. The maximum amount that you can take from bank is rs 24,000
weekly. From ATM you can withdraw only rs 2500 daily. Last date to exchange old 500 and 1000 notes is
24th November 2016.
Drawbacks of Depositing Old Money in banks and Post office
You may have to stand in line for some time as there are a large number of people doing so in banks. You
should have a legal record of all the money that you are depositing. Income Tax department is keeping all
their eyes on all these deposits. If they your deposit amount does not tally with your earning then you will be
penalized or even jailed. So if you have a black money in hand either you have to destroy them or face legal
trouble.
How will Indian People benefit from this move
If the initial hiccups are ignored then there are only positives coming out of banning old notes. Some of these
benefits are listed below
Most of the black money would be wiped off
People in future will be scared to hold black money as this move could be repeated in future
All the transactions that were happening in black will now be forced to do legal transactions and this will
increase Indias GDP
Fake currency would be removed from Main market.
Funding of cross border terrorism will be impacted.
As GDP will increase then Rs is going to be stronger.
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05 Odisha to provide loan at 1% interest to SHGs
2016
Odisha to provide loan at 1% interest to SHGs (Self Help
Groups)
As the central government led by NDA government keen on improving entrepreneurship among youths by
introducing various schemes across the nation. State governments too taken some effective steps to increase
the employment ratio among their state’s youths by encouraging the talented youths to get involve in their
own businesses.
On accounting that fact, recently the state government of Odisha introduced new beneficiary scheme of
lending loans to SHG’s (Self Help Groups) in the state that too particularly handled by women with the low
interest rate of 1%.
Who are all valid to get 1% loan in Odisha Farmers and Women Self Help Groups
Number of eligible Women SHG’s in Odisha Around 1 Lakh
Maximum Loan amount that can be availed by
Rs.3 Lakh
women SHG
Interest rate for women’s SHG Loan upto 3 Lakh 1%
Self Help Groups in Odisha:
Women Self Help Groups in Odisha empowers women workers in the state, under the scheme Mission Shakti
Program women from the rural areas of the state Odisha able to shine in the careers also they revolutionized
as the socio – economic agents of the state.
Majority of the women SHG are based on the hand craft manufacturing home based small scale businesses.
It is estimated that around 1, 00,000 SHG’s are identified as eligible to avail the benefit announced by the
chief minister of Odisha recently.
Chief Minister’s Financial Help to Self help group’s in Odisha:
The chief minister of Odisha Mr. Naveen Patnaik recently announced as the women Self Help Groups in the
state of Odisha are now eligible for availing financial aid of up to Rs.3, 00,000 Lakh with the lowest interest of
1% from financial sectors.
Speech of Chief Minister of Odisha Mr. Naveen Patnaik During the event
The chief Minister of Odisha Mr. Naveen Patnaik lay foundation and started various projects and beneficiary
schemes in the Jaipur district. Followed by the function of the stone foundation on constructing the
government medical college at the cost of whooping 300 crore allotted by the state government in the district
of Keonjhar in the Odisha state.
While addressing the public during the meeting held on Keanjhar district, the Odisha chief Minister Mr.
Naveen Patnaik elaborated the benefits of availing lot interest financial aid from state government by
SHG’s.
Also, he added that the state government led by him in Odisha has taken several strong initiatives to
protect and to improve the empowerment of women in the state of Odisha.
In addition to that, he also included the government stand on providing ration cards and land records in
the ration cards in the name of the women as representatives of family.
On his speech the Chief Minister Naveen Patnaik notified the steps taken by his government in the
development of agriculture in the state. Recently, on implementing his commitment Mr. Patnaik
announced the agriculture loan for farmers of Odisha at the interest rate of 1%.
Conclusion:
This newly introduced beneficiary scheme by the chief minister Mr. Patnaik would boost women in the state to
get involved in the self help group activities. Also the announcement came during the event held at Keonjhar
districts surely boost the state’s growth and would provides various benefits for farmers and state’s
infrastructures.
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Home Mudra Loan Atal Pension Yojana Ujjwala Yojana Housing For All | Awas Yojana Start Up India Kaushal Vikas Yojana PMKVY

Jeevan Jyoti Bima Yojana Suraksha Bima Yojana Sukanya Yojana Jan Aushadhi Scheme Blog RuPay Card PPF Account EPF Rules

AFA Additional Factor of Authentication Pradhan Mantri Surakshit Matritva

Financial Services Non­financial Services Value Added Services

S.No Things Need to Know about Axis Bank’s Buzz Credit Card Details

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12/22/2016 Blog Archives PM Jan Dhan Yojana

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