Pradhanmantri Mudra scheme: Today, we are giving information in detail of currency loan. In which types of currency loan you have. Which loan will be right for you? Which documents are required in the mudra loan and the information we are telling in this post. So you read this post completely so that you do not have to face any problem in getting a loan.

Mudra Loan: How to get Mudra Loan?

Mudra loan scheme is for those who are excited about doing business. What the business does and who wants to increase their business. This scheme is for them. The purpose of this loan is that every person has their business and no one is unemployed. It is difficult for everyone to get government jobs, so businesses can earn money. The currency loan is divided into three parts.

Mudra loan type

The government has been divided into three types under the money laundering scheme. From low loan to more loans. The loan which he can take, he can take that loan.

Child Loan – Shishu Loan

Under the mudra loan, loan up to Rs 50,000 / – is provided in the mudra loan. They should take this loan for the first time that they are taking currency loans. This loan is given to those who apply for the loan in much of the bank. How to get mudra loan

Which loan will you get from the bank?

Presently, following the monetary policy, many banks and institutions are giving loans. These include government banks and private banks and all.

• 27 by public banks
• 17 by private banks
• 31 Regional Rural Banks
• By 4 cooperative banks
• 36 by Microfinance Institutions
• By 25 non-banking financial institutions

Mudra loan documents.

1. Prime Minister’s Mudra scheme application form and commercial installment loan application form which are duly filled.
2. Photo identity proof and address certificate
3. Bank statement of last 6 months
4. Where is your business currently? Proof of continuity of business of residence certificate
5. Qualification certificate in relation to le business
6. Document List for Rural Business

And other necessary documents.

Pradhanmantri Mudra scheme application form and commercial installment loan or rural business loan application form which are duly filled.

• Photo identity certificate
• Address proof residence or office ownership certificate
• Business Vintage Proof
• Bank details of last 12 months
• Income tax return documents in the last 2 years.

Mudra loan toll-free number

You can contact this number if you have any more information related to the money lone scheme. Which will get your information.

mudra loan scheme yojana website – http://www.mudra.org.in/
Mail d – help@mudra.org.in
Mudra loan Helpline Number: 1800-180-1111 / 1800-11-0001

Benefits of Mudra Loan Scheme

Under the money loan scheme, there is usually a non-guaranteed loan called (Without Guarantee). There are many such rules in this loan which makes them different from others.

You do not need any guarantor for this loan. Which is required in other loans.

You get this loan through the medium of the credit card. You have to pay the interest of Rs. This card is called a Mudra Card.

There is no charge for this loan. Which is called Processing Fees. This currency loan is free from this fee.

Currency repayment period of currency loan can extend to 5 years. How to get Mudra loan

If you want to get information related to mudra loan, you can comment on it.

“गरीबी को दूर भगाओ, जरूरतमंद तक मुद्रा लोन ( mudra loan ) पहुँचाओ ।”

How to get a Mudra Loan – mudra loan kaise milega How did you get this information? If you want to get more information, then comment.

The credit card is a type of loan. In which there is a certain amount of loan. You can not borrow more than the limit. A credit card is created by the bank. Which any bank account holder can make.

A credit card is a payment card that allows you to borrow money from a financial institution, up to a certain limit, to make purchases. Unlike a debit card, which deducts funds directly from your bank account, a credit card lets you make purchases on credit and pay back the borrowed amount over time, usually with interest.

When you use a credit card to make a purchase, you are essentially borrowing money from the card issuer (such as a bank or credit union). You will be required to repay the borrowed amount along with any interest charges and other fees associated with the card. If you don’t pay off the balance in full each month, the outstanding balance will accrue interest and you will be charged interest on that balance.

Credit cards are widely accepted around the world and offer a convenient and secure way to make purchases. They often come with rewards programs, such as cash back or points that can be redeemed for travel, merchandise, or other perks. However, it’s important to use credit cards responsibly and avoid carrying high balances or missing payments, as this can result in costly interest charges and damage to your credit score.

Credit card type How many types of credit card are?

There are several types of credit cards available, including:

1. Standard credit cards: These are the most common type of credit card and offer a standard credit limit and interest rate.
2. Rewards credit cards: These cards offer rewards, such as cash back, points, or miles, for purchases made on the card.
3. Balance transfer credit cards: These cards allow you to transfer a balance from another credit card to the new card, often with a lower interest rate.
4. Secured credit cards: These cards require a security deposit, which is used as collateral for the credit limit. They are often used by people with limited credit history or poor credit scores.
5. Business credit cards: These cards are designed for small business owners and often offer rewards and perks tailored to business expenses.
6. Student credit cards: These cards are designed for students and often offer lower credit limits and rewards tailored to student expenses.
7. Premium or luxury credit cards: These cards offer high credit limits and exclusive perks, such as access to airport lounges, concierge services, and travel benefits. However, they often come with high annual fees.

The advantages of using a credit card include:

1. Convenience: Credit cards offer a quick and easy way to make purchases, especially when shopping online or traveling.
2. Build credit history: Using a credit card responsibly and making on-time payments can help establish or improve your credit history and credit score.
3. Rewards: Many credit cards offer rewards programs, such as cash back, points, or miles, for purchases made on the card.
4. Protection: Credit cards offer protections against fraud, unauthorized charges, and billing errors.
5. Grace period: Credit cards offer a grace period between the purchase date and the due date, during which you can pay off the balance without accruing interest charges.
6. Emergency funding: In case of an emergency, having a credit card with a sufficient credit limit can provide a source of funds.
7. Travel benefits: Many credit cards offer travel benefits, such as travel insurance, rental car insurance, and airport lounge access.
8. Purchase protection: Some credit cards offer purchase protection, which covers eligible purchases against damage, theft, or loss for a certain period of time.
9. Build financial responsibility: Using a credit card responsibly can help build financial responsibility and discipline, as it requires regular payments and can help establish a budget.

It’s important to note that while there are advantages to using a credit card, it’s crucial to use them responsibly and avoid carrying high balances or missing payments, which can result in costly interest charges and damage to your credit score.

There are also some potential disadvantages to using a credit card, including:

1. Interest charges: If you carry a balance on your credit card, you will be charged interest on the outstanding balance, which can be high if you have a high-interest rate or carry a large balance.
2. Fees: Credit cards may come with fees, such as annual fees, late payment fees, balance transfer fees, and cash advance fees, which can add up and be costly.
3. Debt accumulation: It can be easy to accumulate debt with a credit card, especially if you don’t pay off the balance in full each month.
4. Credit score impact: If you miss payments or carry a high balance, it can negatively impact your credit score.
5. Fraud and identity theft: Credit cards can be vulnerable to fraud and identity theft, which can be damaging both financially and to your credit score.
6. Temptation to overspend: Having access to credit can make it tempting to overspend, especially with rewards programs and promotional offers.

It’s important to use credit cards responsibly and carefully, keeping in mind these potential disadvantages and taking steps to avoid them, such as paying off balances in full each month, avoiding unnecessary fees, and monitoring for fraudulent activity.

Here are some tips on how to use a credit card responsibly:

1. Create a budget: Set a budget for how much you can afford to spend each month and stick to it. Make sure to include your credit card payments in your budget.
2. Pay your balance in full: Try to pay off your credit card balance in full each month to avoid accruing interest charges.
3. Use credit cards for necessary expenses: Only use your credit card for necessary expenses, such as groceries, gas, or bills. Avoid using it for frivolous purchases or impulse buys.
4. Monitor your account: Regularly monitor your credit card account to keep track of your spending and to check for any unauthorized charges or errors.
5. Avoid cash advances: Cash advances on credit cards can come with high fees and interest charges, so it’s best to avoid them unless absolutely necessary.
6. Avoid carrying a high balance: Try to keep your credit card balance as low as possible to avoid accruing interest charges and to help maintain a good credit score.
7. Pay on time: Always make your credit card payments on time to avoid late fees and to maintain a good credit score.
8. Use rewards wisely: If your credit card offers rewards, make sure to use them wisely and to take advantage of any cash back, points, or miles that can help offset the cost of necessary expenses.

By following these tips and using your credit card responsibly, you can take advantage of the benefits of credit cards while avoiding potential pitfalls.

We should know the name of our bank and branch. Please Use the dropdown-box to select the bank name and branch accordingly. The drop-down list will help us find the correct IFSC code of our bank branch. We can get full details of 1,50,000+ branches by entering bank IFSC and MICR code.

Read: IFSC Code | MICR Code | IMPS | UPI | Cheque | Draft | NEFT | RTGS

Step 1: First of all, you must click on the given link. Find IFSC Code Or, Go to the Home page.

Step 2: Fill the Select your desired Bank Name from the drop-down list.

Example: Here, I am going to select ICICI Bank LIMITED (Industrial Credit and Investment Corporation of India).

Step 3: Now, Select the State Name from the drop-down list.

Example: Here, I am going to choose the state name as BIHAR from the drop-down list. (It is one of the State in India.)

If you have selected wrong State Name by mistake, you can reset the particular field on the click on the Reset button (Which is shown in blue color).

Step 4: After selecting State Name, You need to Select the District Name from the drop-down list.

Example: Here, I am going to choose the District Name as BHAGALPUR from the drop-down list. (It is one of the famous districts in Bihar, India. It is also known as “silk city”).

Step 4: At the Last step, Please Select the Branch Name from the drop-down list.

Example: Here, I am going to choose the Branch Name as KAHALGAON from the drop-down list.

If you have selected wrong Brach Name by mistake, you can reset the particular field on the click on the Reset button (Which is shown in blue color).

State in which bank is situated, District in which bank is situated and Branch of Bank within District.

Step 5: Now, You will get full information about the IFSC Code of  KAHALGAON Branch, Bhagalpur, Bihar, India.

• Search your name in National Electoral Roll by entering basic details.
• Locate polling station on the map.
• Print voter information slip.
• Apply for Enrolment, Modification, Deletion, and change of address in the electoral roll
• Know Booth Level Officer(BLO), Electoral Roll Officer(ERO)
• Know District Election Officials and officials in Chief Election Office

Check your name in Voter’s List

There are two ways to check the status of your name in voter’s list:

1. Search by Details
2. Search by EPIC No.

Search by Details:

Here, you have to enter the following details:

.

Step 1: First of all, It is mandatory to enter your full name.

Can I withdraw money from a different bank’s ATM?

savings bank account holders are only allowed five free transactions from ATMs of other banks, including cash withdrawal, balance inquiry, and change your PIN (personal identification number). Earlier, cash withdrawal was calculated only for the purpose of five free transactions. Any number of non-cash transactions such as balance inquiry was free.

Now, if the total number of the transaction at other banks’ ATMs exceeds five, a fee will be deducted from your savings account i-e Rs 20 for each cash withdrawal and Rs 9 for non-cash transactions.

How to Avoid ATM Fees

If we’re paying too much in ATM fees, you have several immediate ways of reducing your costs. These methods each involve planning ahead and thinking about our ATM habits.

If we are paying charges for an ATM fee, then we have many immediate ways to reduce your charges. These methods include planning ahead and thinking about the habits of our ATM.

These three points will help you to avoid the charges as ATM’s Fee:

• Use your bank’s app to find branches and free ATMs near you
• Choose the cash-back option when paying at grocery stores and other merchants
• Withdraw cash less frequently but in greater amounts

You can stick to using free ATMs by keeping track of where your bank operates ATMs and branches. The same goes for knowing which local stores offer the cash-back option. Withdrawing larger amounts of money will reduce the number of ATM withdrawals you make, but carrying more cash comes with greater risk of loss. If these practices seem impractical or unsuitable for you, you can also avoid ATM fees by switching banks.

We could stick to using free ATMs by keeping track of where our bank operates ATMs and branches. The same goes to know which local stores offer the cash-back option. Withdrawing larger amounts of money will reduce the number of ATM withdrawals we make, but carrying more cash comes with greater risk of loss. If these practices seem impractical or unsuitable for us, we can also avoid ATM fees by switching banks.

I will also share the information about “How do you open an e-Aadhaar Card after download Aadhaar Card from UIDAI website.

Download Aadhaar Card, Correction, Check Status & Find Enrollment ID / Aadhaar Number

If you have applied for Aadhaar card and so far you have not got the Aadhaar card, you can download Aadhaar Card online too. This process is called downloading e-Aadhaar card. We will tell you about the e-Aadhaar card and how to download Aadhaar Card.

Pan Card: Apply Online, Check Status, Correction, and Link to Aadhar Card

Unique Identification Authority of India (UIDAI) is Providing to Mera Aadhaar Meri Pahechaan. Here, You can download Aaadhaar Card, Update / Correction in Your Aadhaar Card, Find Your Enrollment Number / Aadhaar Number and Various Information are available in Single Portal UIDAI Every Indian People must Enrollment with UIDAI (Unique Identification Authority Of India) Aadhaar Card

How to download Aadhaar card? 

Step 1: First, You have to enter the enrollment number of your Aadhaar card / if you have Aadhaar number then you can also enter it.

Step 2: Now you have to enter your name which should be the same as printed on the receipt of Aadhaar card.

Step 3: Type the area PIN\ZIP code of the area you have given in the Aadhaar card

Step 4: After this, type your registered mobile number

Step 5: Now, you have to verify the OTP(One Time Password) through your registered mobile number.

How to find Enrollment ID and Aadhaar No?

Step 1: First go to the page where you will download Aadhaar number. Click here

Step 2: After that please enter your full name and registered mobile number or E-mail.This 2nd step is also one of the important steps to download aadhar card.

Step 3: Then enter the Security Code (Captcha) and click on the Send OTP button

Step 4: There will be sent a message on your mobile that will have an OTP(One Time Password) number.

Step 5: Please enter that OTP into the box and click the Verify OTP button.

Step 6: After some time you will get your Aadhaar Number on your mobile via SMS(Short Messaging Services)

How to apply Online Correction/Update of Aadhaar card

If your Aadhaar card is a name, address, date of birth, mobile number, email id, then you can read this article and make Aadhaar Card Correction Successfully.

There are following things is necessary to update the Aadhaar card.

Registered mobile number: The mobile number provided by you when generated the Aadhaar card is important. because the code of Aadhaar verification will be sent to the registered mobile number.

Valid document scan copy: You must have a scanned copy of the document confirming whether the details are correct or not.

Step 1: First of all you have to open the website of UIDAI update portal in the browser.

Step 2: In the open window, you have to enter the Aadhaar number, you also need to enter captcha code and click on Send OTP.

Step 3: Now you have to enter the 6 digit OTP which you will get on the registered mobile number.   OTP is required to enter you in a newly opened window and click Login.

Step 4: The next step will be asked to you which updates do you want to update. Tick in front of any details you want to update and click on submit.

Step 5: Now you have to enter your correct details. As the correct Date of birth has been entered in the image below, just enter your correct details and click Submit Update Request.

Step 6: On the next screen you will be asked to check the updated details again. Check this detail again and click on “I confirm” and click on Continue. Click on modify to re-enter the information.

Step 7: Now you will be asked to update the valid document on the new screen. Browse and copy the scan copy of the document saved on your computer . After uploading the document click confirm

Step 8: All your steps are now complete. On the next screen, you will find the Aadhaar Card Update Request Number (URN). Write it down on anything for future reference.

How to Locate the Enrollment Center of Aadhaar Card?

There is three option to search for the Aadhaar card center. If you have to know the Aadhaar centers in the post office or in the bank then you have to go UADAI Centers Search Page where you will get three option to search the Aadhaar centers. Here you can search the Aadhaar center according to state, zip code, and search box.

How to search by using these three options?

State:

If you want to search by state, then select your state, district, sub district (sub-district) and village or city. After that fill the verification code in the box provided. After this, the list of Centers will be opened in front of you.

PIN Code:

In this kind of search, you only need to enter Area Pin Code and Verification Code. After this, the list of close centers will be opened.

Search box:

Through the search box, you can search the center by entering the name and verification code of the place.

How to check the status of  Aadhaar Card?

You can check Aadhaar status if Aadhaar Card is generated by UIDAI.

Step 1: First, click here to go to the Aadhaar status check page.

Step 2: After that enter the enrollment number, date/time which is written on the enrollment slip.

Step 3: Now, you have to enter the security code (Captcha).

Step 4: Then click on the Check Status button

Step 5: Your Aadhaar status will be displayed on your screen.

How to search the official website of the Aadhaar card?

You can go to the official UIDAI website.

Step 1: Open your browser.

Step 2: You have to copy and paste this link https://uidai.gov.in/ on the address bar of your browser.

Step 3: Press Enter button.

How to contact customer care of Aadhaar card?

Friends, If you are facing any issue to download aadhar card then you can contact to customer care

Sometimes you want to contact customer care of Aadhaar Card. You can contact them through email or phone call.

If you want to contact to through mail then you have to mail them help@uidai.gov.in

If you want to contact them through phone call then you can call them 1947. This is TOLLFREE: 1947 contact number, you can dial from any phone and government will not charge any one of the rupees for that.

Download Aadhar Card: The official address of UIDAI is below:

Government of India
Bangla Sahib Road, Behind Kali Mandir,
Gole Market,
New Delhi – 110001
Reception: 011 – 23478653

How can EPFO member partially withdraw the money: The Employees’ Provident Funds and Miscellaneous Provisions Act, 1952 is social security legislation. It came into force to provide schemes like the Employees’ Provident Funds (EPF) Scheme, 1952; The Employees’ Pension Scheme (EPS), 1995; and The Employees’ Deposit-Linked Insurance (EDLI) Scheme, 1976.

According to a report, the accumulated fund in EPFO towards EPF as of December 2017, The EPFO recently allowed contributors to withdraw 75% of the EPF balance if they remain unemployed for a month. The latest rule allows for a complete withdrawal of EPF money if a contributor is unemployed for more than 2 months.

However, according to the Employees’ Provident Fund scheme, there are 14 other cases when an EPFO member can partially withdraw the money.

14 situations to partially withdraw EPF money:-

1. Withdrawal of money from the EPFO fund is allowed for the post-matriculation education of a member’s son or daughter. However, the withdrawal is limited to 50 percent of the member’s share in the contribution.

2. The withdrawal is allowed for the member’s marriage, the marriage of his or her daughter, son, sister or brother. However, the withdrawal is limited to 50 percent of the member’s share in the contribution.

In both the cases, the withdrawal is allowed only when the member has completed seven years membership of the fund.

3) If employees are rendered unemployed without any compensation for more than 15 days, in case a firm is closed down, or when an employee does not receive his/her wages for a continuous period of two months or more, money can be withdrawn from the EPF pot.

4) In cases where the employee is dismissed or retrenched and the same is challenged by the member in a court of law, the member is allowed withdrawal up to 50 percent of the amount in the fund.

5) If a factory or similar establishment remain closed for more than six months, the member can withdraw 100 percent of the employer’s contribution and interest if he continues to remain unemployed and no compensation is paid to him.

6) Illness due to tuberculosis, leprosy, paralysis, cancer, mental derangement or heart ailment etc allows withdrawal from the EPF pot. The lower of the member’s basic wages and dearness allowances for six months or member’s share of contribution with interest is allowed to be withdrawn.

7) If a member’s property is damaged by unforeseen natural calamities like floods and earthquakes or riots, he/she can seek lower of Rs 5,000 or 50 percent of his/her contribution from the EPF money.

8) A member may be allowed a non-refundable advance from the EPFO account if there is a cut in the supply of electricity to a factory in which he is employed. The state government has to certify that the cut in the supply of electricity was enforced in the area. Also, the employer has to certify that the fall in the member’s pay was due to the cut in the supply of electricity.

9) Withdrawal from the EPFO kitty is allowed to a physically-handicapped member for purchasing equipment required to minimize the hardship. The member is required to produce a medical certificate from a competent medical practitioner. The lowest of the member’s basic wages and dearness allowance for six months or, his/her own share of contributions with interest thereon or the cost of the equipment is allowed to be withdrawn.

10) Withdrawal up to 90 percent of the EPF amount is allowed, the later of the attainment of the age of 54 years or within one year before actual retirement on superannuation.

11) EPF withdrawal of up to 90 percent of the total corpus at any time after attaining the age of 55 years by the member is allowed, if the amount is to be transferred to the Life Insurance Corporation of India for investment in Varishtha Pension Bima Yojana.

12) EPFO members can withdraw money for construction of house or purchase of a house/flat to live or purchase of a construction site. The member is required to have completed five years’ membership of the EPFO.

13) In order to pay the outstanding principal and interest of a loan, withdrawal is allowed from the amount standing to the credit of the member in the fund. Withdrawal is allowed if the loan is obtained in the member’s name or spouse’s name or taken jointly by the member and the spouse.

14) EPFO members can withdraw money for construction of house or purchase of a dwelling house/flat. It includes a flat in a building jointly owned with others. The purchase or construction must be from the Central government, state government or a housing agency under a housing scheme. A five years’ membership with the EPFO is required to be completed.

How To Apply for ICICI Ltd. Credit Card

Apply for ICICI Credit Card:

Apply for ICICI Credit Card: ICICI Bank was originally promoted in 1994 by ICICI Limited. ICICI (Industrial Credit and Investment Corporation of India) is the largest bank in the private sector. ICICI bank offers different credit cards with many features and benefits that meet the needs of different types of customers.

ICICI was the first in the market to launch a non-contact credit card. The facility of ICICI credit card comes in the form of rewards point, cashback and more.  Apply for SBI credit card

The different credit cards are offered by the ICICI Bank-

How to Unblock ATM Card?

There is no any specific reason for having an ATM Card Block. ATM card is blocked in many ways. If the ATM card is lost then you can call customer care to block the ATM card. Sometimes the bank itself blocks ATM cards. If you put a wrong password more than 3 times, whenever your ATM Card is blocked. Let’s see how are those ATM cards unblocked? Or atm card can be turned on. Let’s know. unblock atm card

Don’t enter wrong ATM Pin:

If we need money then we go there to withdraw money from the ATM. If we put an incorrect password more than 3 times in the ATM card, then our ATM Card is blocked. Therefore, always try to enter the correct password. If your ATM stops in this way, the next day automatic unblocking is done. This problem often happens to everyone. unblock atm card

How will you do unblock ATM Card?

If your atm card is closed due to inserting the wrong PIN then you do not have to worry too much. The bank thinks that your ATM card has been stolen and trying to insert your ATM PIN. The bank blocks the automatic ATM card.

Your ATM is unblocked in 24 hours. If you enter a wrong password more than three times, then it shuts down again for 24 minutes. you can try to enter as much password as possible. unblock atm card

Let see what happens, if you will enter the wrong OTP for online payments

Online payments are currently growing very fast. Today everyone is paying through mobile, such as mobile recharge, electricity bill etc. When we make online payments then we get an OTP. If we enter that OTP wrong, then our ATM cards are blocked.

If your ATM card is blocked thus you can have trouble. Currently, ATM cards are blocked in many banks, then they ask them to make a new atm card. If you make a new ATM card, then you have to pay a charge. Simply, you can unblock it by issued a new atm card. unblock atm card

What should you do after expired the validity of ATM Card?

If your ATM Card expires then your ATM Card is blocked. In this situation, you have to get a new atm card from banks. unblock atm card

How will you use ATM card after blocking?

If your ATM card is unblocked, you can increase the validity of this ATM card by visiting the bank. More, it is seen that all banks issue the new ATM Cards. That’s how your ATM card gets unblocked. unblock atm card

You may have learned this from reading this information. If you have any questions related to your ATM card and you want to ask some information then you can contact us at contact@sarkaribank.com. We will definitely answer your question. you must share this information with your friends.