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December 09, 2016

National and Regional Public holidays of Bihar in 2017

National and Regional Public holidays of Bihar in 2017

ThursdayJanuary 26 Republic Day Commemorates the establishment of the Constitution of India
MondayMarch 13 Holi
SaturdayApril 01 Bank Holiday Banks only. Annual accounts closing
TuesdayApril 04 Ram Navami Celebrates the birth of Lord Rama to King Dasharatha of Ayodhya
SundayApril 09 Mahavir Jayanti The most important religious holiday in Jainism
FridayApril 14 Dr Ambedkar Jayanti Birthday of Bhimrao Ramji Ambedekar
FridayApril 14 Good Friday Friday before Easter Sunday
MondayMay 01 May Day Assam, Bihar, Goa, Jharkhand, Karnataka, Kerala, Manipur, Tamil Nadu, Tripura, West Bengal only
WednesdayMay 10 Buddha Purnima Birth of Buddha
MondayJune 26 Idul Fitr Many states
MondayAugust 14 Janmashtami Celebrates the birth of Lord Shri Krishna
TuesdayAugust 15 Independence Day
SaturdaySeptember 02 Idul Juha Many states
SaturdaySeptember 30 Dussehra Vijaya Dashami
SundayOctober 01 Muharram (10th Day) Day of Ashurah
MondayOctober 02 Mahatma Gandhi Birthday Gandhi Jayanti
WednesdayOctober 18 Deewali Deepawali
SaturdayNovember 04 Guru Nanak Birthday The Birthday of Guru Nanak Sahib, the founder of Sikhism, falls on full moon day of the month Kartik
MondayDecember 25 Christmas Day Observed in all states

Recruitment of Executive Trainee (Finance) in Power Grid 2017

Power Grid Corporation of India Ltd.
(A Government of India Enterprise)
Corp. Office: "Saudamini", Plot No.2, Sector-29, Gurgaon - 1 (Haryana)

Recruitment of Executive Trainee (Finance) in Power Grid 2017

 Power Grid is is looking for Bright, Committed and Hardworking Chartered Accountants (CA) and Cost & Management Accountants (CMA) to join its fold as Executive Trainee (Finance) :

Vacancies :

    Executive Trainee (Finance) :  22 posts (UR-11, OBC-6, SC-3, ST-2) (PWD-2), Pay Scale : E2 Grade Rs.   24900-50500, Age : 28 years as on 31/12/2016, Qualification :  CA/ICWA (CMA) pass

Application Fee : 

Candidates other than SC/ST/PwD and EX-SM are required to submit Application Fee of Rs.560/- to any SBI branch through the Challan generated at their Candidate Login at Power Grid website.

Apply Online :

Apply Online from 10/12/2016 to 31/12/2016 at Power Grid Website only.

Details and Application Format :

Please visit  for more information and online application.  

Recruitment of Advisors Fraud Management and Chief Officer Security in STATE BANK Of INDIA (SBI)

Central Recruitment & Promotion Department (CRPD) Corporate Centre, Mumbai

Recruitment of Advisors Fraud Management  and Chief Officer Security in SBI 

State Bank of India is looking for appointment of  Advisors and Chief Officer Security  on contractual basis    :

    Advisors For Fraud Management : 05 posts (UR-4, OBC-1), Age : 65 years, Remuneration : Consolidated monthly fee of  ₹50000/- and an administrative monthly expenses of  ₹25000/-
    Chief Officer (Security)  : 01 post (UR-1), Age : 57 years, Remuneration : Consolidated monthly fee of  ₹120000/- 

Application Fee :

₹600/-  through Demand Draft / Banker’s cheque favouring “CRPD, State Bank of India” payable at Mumbai.


How to Apply :

Application in the prescribed format should be send to  The General Manager, State Bank of India, Central Recruitment & Promotion Department, 3rd Floor, Atlanta Building, Nariman Point, Mumbai - 400021   through Post / Courier on or before 20/08/2016 .

Details and Application Format :

For more information and application format, please visit the Recruitment page at SBI website

Walk-In for Recruitment of Faculty in National Institute of Siddha (NIS)

National Institute of Siddha (NIS)
(An Autonomous body under Department of AYUSH), Ministry of Health & Family Welfare)
Tambaram Sanatorium, Chennai - 600047, TN

Walk-In for Recruitment of Faculty in NIS

A walk-in-interview will be conducted on 21/12/2016 at 11.00 AM at National Institute of Siddha to fill up the vacancies of Professor/Associate Professor/Emergency Medical Officer/Senior Research Fellow on contract basis and one post of Yoga Teacher on part time basis. The Period of contract for the posts of Professor/Associate Professor/Emergency Medical Officer/Senior Research Fellow will be for one (1) year or till the posts are filled on regular basis whichever is earlier.  in the National Institute of Siddha :

Faculty Vacancy :

    Professor : 05 Posts in various subjects, Pay : Rs.55000/- 
    Associate Professor : 06 Posts in various subjects, Pay : Rs.40000/-   
    Senior Research Fellow : 01 Post, Pay : Rs.14000/-   
    Emergency Medical Officer : 01 Post, Pay : Rs.25000/-   
    Yoga Teacher  : 01 Post (Part Time), Pay : Rs.25000/-  

How to Apply : 

The filled in application alongwith the application cost Rs.500/= by way of DD drawn in favour of “Director, National Institute of Siddha” payable at Chennai together with the self attested photocopies of the certificate/testimonials should be submitted at the time of walk-in-interview on 21/12/2016

Details and Application Format :

Please visit for details and application format.

Metro - Link Express for Gandhinagar and Ahmedabad Company Limited (MEGA) invites applications from qualified and experienced candidates for following key senior / middle level management positions only on contract with min. 3 years to 5 years on standard terms & conditions of the organisation :

Metro - Link Express for Gandhinagar and Ahmedabad  Company Limited (MEGA)
(A Government of Gujarat Undertaking) 
5th Floor, Nirman Bhavan, Opposite Gate No. 4, New Sachivalaya,  CH Road, Sector 10/A, Gandhinagar - 382010, Gujarat.

Metro - Link Express for Gandhinagar and Ahmedabad  Company Limited (MEGA)  invites applications from qualified and experienced candidates for following key senior / middle level management positions only on contract with min. 3 years to 5 years on standard terms & conditions of the organisation :

Vacancies :

    Assistant General Manager (Underground – E&M) : 01 post
    Assistant General Manager (Rolling Stock) : 01 post
    Senior Manager (Rolling Stock) : 01 post
    Senior Manager – Automatic Fare Collection (AFC) : 01 post
    Manager (Telecom) : 01 post
    Deputy Manager (Signaling) : 01 post
    Senior Manager Finance & Accounts : 01 post
    Deputy Manager – Finance & Accounts : 01 post
    Assistant Manager – Finance & Accounts : 02 posts

How to Apply :

Applicants should download application format from MEGA website, fill up the same and send the application through email only at along with the scanned copies of  latest CV &  testimonials on or before 22/12/2016. 

Details and Application Format :

Please visit for details and application format.

Bharat Electronics Limited, India’s premier Navaratna Company, requires experienced & competent Software Engineers for its Software Technology Center, Bangalore (BSTC), in the following Grades

Bharat Electronics Limited (BEL)
(A Govt. of India Enterprise)
Bangalore Unit

Bharat Electronics Limited, India’s premier Navaratna Company, requires experienced & competent Software Engineers for its Software Technology Center, Bangalore (BSTC), in the following Grades::

Vacancies :

    Deputy Manager/E-IV  : 03 posts, Pay Scale : Rs. 24900-3%-50500, Age : 36 years, Experience : 8 years
    Senior Engineer/ E-III : 02 posts,  Pay Scale : Rs. 20600-3%-46500, Age : 32 years, Experience : 4 years
    Deputy Engineer/ E-II : 03 posts,  Pay Scale : Rs. 16400-3%-40500, Age : 28 years, Experience : 1 year


Application Fee :

Applications of General /OBC candidates should be accompanied by a crossed Demand Draft drawn on any Scheduled Bank (preferably State Bank of India) for Rs.500/- in favour of Bharat Electronics Limited, Bangalore. SC/ST & PWD candidates are exempted from payment of application fee.
How to Apply : 

Applications complete in all respects should be sent to The Manager (HR/T&BS), Bharat Electronics Limited, Jalahalli Post,  Bengaluru – 560013, latest by 31/12/2016.

Details and application format :

Please visit Career->Recruitment - Advertisements section at BEL website at  for details and application format.

Recruitment of Office Assistants and Stenographers in UP Power Corporation UPPCL

Government of Uttar Pradesh  / Electricity Service Commission
U.P. Power Corporation Ltd. (UPPCL), Lucknow.
Recruitment of  Office Assistants and Stenographers in UP Power Corporation UPPCL

Online applications are invited from eligible Indian Nationals for direct recruitment to the following posts of  Office Assistants and Stenographers in  Uttar Pradesh Power Corporation Ltd (UPPCL)  (( Advt. No. 11/VSA/2016 and  12/VSA/2016).   SarkariNaukriBlog dot com :

Vacancies :

    Stenographer Gr. III : 259  posts (UR-131, OBC-69, SC-54, ST-5)
    Office Assistant Gr. III : 2296  posts (UR-1150, OBC-619, SC-482, ST-45)
    Office Assistant Gr. III (Accounts) : 30 posts (UR-16, OBC-06, SC-07, ST-01)

Age : 21-40 years as on 01/07/2016

Pay Scale : ₹5200-20200 Grade Pay ₹2600/-

Application fee  : 

Processing fee of Rs. 1000/- (700/- for  SC/ST (domicile of U.P.)) payable through a Payment Challan to be deposited in SBI OR by through ATM cum Debit Card/ Credit Card/ SBI Net Banking.

How to Apply :

Apply Online at UPPCL website from 08/12/2016 to 29/12/2016 only and from 09/12/2016 to 30/12/2016 for the posts of Office Assistants (Accounts) only.

Details and Application Format :

Please visit   for all the details and   and  apply Online.


TNPL, a well known Paper Manufacturing Company requires the following personnel for its Paper Mills / Lime Sludge and Fly Ash Management System at Kagithapuram Karur District and for its Multilayer Double Coated Board Plant in Manaparai Taluk, Trichy District, Tamil nadu

Tamil Nadu Newsprint and Paper Limited (TNPL)
67, Mount Road, Guindy, Chennai -600032

TNPL, a well known Paper Manufacturing Company requires the following personnel for its Paper Mills / Lime Sludge and Fly Ash Management System at Kagithapuram Karur District and for its Multilayer Double Coated Board Plant in Manaparai Taluk, Trichy District, Tamil nadu: :

Job Vacancies :

    Deputy Manager (IT) / Assistant Manager (IT) / Officer (IT)  : 02 posts
    Assistant Manager (Stores) /  Officer (Stores) : 03 posts

How to Apply :

Interested candidates may apply in the prescribed format in strict confidence superscribing the name of the post on or before 21/12/2016 to :

General Manager (HR), Tamil Nadu Newsprint and Papers Limited,  Kagithapuram – 639136, Karur District (Tamil Nadu)

Detailed Information and Application Format :

For detailed information and application format, please visit

Recruitment of Probationary Officers - Admission to PGDBF through Manipal Global Education Services 2017-2018

 Indian Bank
Head Office, 66 Rajaji Salai, Chennai – 600001 (Tamil Nadu)

Recruitment of Probationary Officers - Admission to PGDBF through Manipal Global Education Services 2017-2018 
Indian Bank invites application from young and bright graduates who fulfill the eligibility criteria
specified and who are interested in Banking career and to want to work as Probationary Officers, for admission to the one year Post Graduate Diploma in Banking and Finance (PGDBF) course at Indian Bank Manipal School of Banking (IBMSB), which has been set up jointly by Indian Bank and Manipal Global Education Service Pvt Ltd. :

Vacancies :

    Probationary Officer  : 324 posts (UR-165, OBC-87, SC-48, ST-24) (PWD-10) through Manipal PGDBF, Age : 20-28 years as on 01/07/2016, Qualification :   Degree (Graduation) with a minimum of 60% (55% for SC/ST/PWD) marks in aggregate in any discipline from a recognized University OR any equivalent qualification,

Application Fee :

₹600/- (₹100/- for SC/ST/PWD candidates) to be paid online.

How to Apply :

Apply Online at Indian Bank website from 06/12/2016 to 22/12/2016 only.

Details and Application Format :

Please visit for all the details and online application format.

Paytm fraud in Gurgaon

सुशांत लोक में फल ब्रिकेता का पैसा ग्राहक ने अपने अकाउंट में ट्रांसफर कर लिया

\एक ओर जहां पीएम मोदी कैशलेस ट्रांजेक्शन पर जोर दे रहे हैं, वहीं कुछ शातिर लोग इस तकनीक से भी फ्रॉड करने से बाज नहीं आ रहे हैं। सुशांत लोक में फल बेचने वाले बाबू खान के पेटीएम से फ्रॉड का मामला सामने आया है। उनका आरोप है कि एक ग्राहक ने 1800 रुपये का फल खरीदा और पेटीएम से उनके अकाउंट से ही पैसे अपने अकाउंट में ट्रांसफर कर लिए। हालांकि दुकानदार ने मामले की शिकायत पुलिस में नहीं दी है।

सुशांत लोक में फल बेचने वाले बाबू खान ने बताया कि नोटबंदी के बाद कारोबार में काफी कमी आ गई। पॉश एरिया में दुकान होने के लोगों ने कैशलेस ट्रांजेक्शन पर जोर दिया। इस पर उन्होंने एक स्मार्ट फोन खरीद लिया और उसमें पेटीएम डाउनलोड कर लिया। जो ग्राहक पेटीएम से पेमेंट की बात कहता था बाबू अपना मोबाइल उनको दे देते और उनसे ही पैसे डालने के लिए कह देते। एक ग्राहक ने 1800 रुपये का फल खरीदा और पेटीएम से पेमेंट करने को कहा। उन्होंने ग्राहक को अपना मोबाइल देकर कहा कि आप ही कैश ट्रांसफर कर दें। मुझे ये ऐप चलाना नहीं आता। ग्राहक ने बाबू को 1800 रुपये का मेसेज दिखाकर फ्रूट ले लिए। शाम को वह अपने दोस्त के पास दिन भर की बिक्री का हिसाब करने गए तो पता चला कि 1800 की पेमेंट आई नहीं बल्कि निकाली गई है। अपने साथ हुई ठगी और ऐप के झंझट से परेशान होकर उन्होंने ऐप से ट्रांजेक्शन बंद कर दी।

बाबू के साथ फ्रूट बेचने वाले चरण सिंह ने भी ऐप से पेमेंट करने में तौबा कर ली है। अपने साथ हुई ठगी की बात अपने साथियों को बताने के बाद सिकंदरपुर में छोले भठूरे बेचने वाले धन सिंह ने भी सिर्फ नकद में भी पेमेंट लेना उचित समझा। धन सिंह ने बताया कि हम कम पढ़े लिखे लोग हैं। वैसे भी हमारा ज्यादातर काम खुले पैसे का ही होता है। ऐसे में अगर ऐप के माध्यम से एक बार भी गड़बड़ी हुई तो सारे दिन की कमाई चली जाएगी। इसलिए नई तकनीक से दूर ही रहना ठीक है। बाबू खान ने इस बाबत पुलिस में कोई शिकायत नहीं दी है।

ऐसे बचें फ्रॉड से

पेटीएम, फ्रीचार्ज और मोबिक्विक जैसे मोबाइल वॉलेट से नोटबंदी के बाद काफी सहूलियत हो गई है। लेकिन इससे रिस्क भी बढ़ गया है। क्या बरतें सावधानी...

-मोबाइल वॉलेट से लेनदेन करते वक्त किसी को अपना मोबाइल न दें।

-पेमेंट करने के लिए स्कैन कोड दिखाएं या मोबाइल नंबर बताएं।

-हर बार पेमेंट करने के बाद इसके कंप्लीट होने का मेसेज जरूर चेक करें।

-मिसयूज से बचने के लिए मोबाइल को कोड या पैटर्न से लॉक रखें।

-वॉलेट में बहुत से पैसे न रखें। जब जरूरत हो, तभी उसमें पैसे डालें।

-अगर आप दुकानदार हैं तो एक लिमिट के बाद पैसे बैंक में ट्रांसफर कर दें।

looking for Training Centre / Partner who have an existing infrastructure to be able to Impart training Under PRADHAN MANTRI KAUSHAL VIKAS YOJANA (PMKVY 2.0) across all states

Skill Organization / Institute ,


We are the leading National Training Provider(TP)  Under 'Pradhan Mantri Kaushal Vikas Yojana (PMKVY)'. With outreach among 19 states and over 600(+) Skill Centre across India

We are looking for Training Centre / Partner who have an existing infrastructure to be able 

to Impart training Under PRADHAN MANTRI KAUSHAL VIKAS YOJANA (PMKVY 2.0) across all states 

We are pleased to invite you to be our "Partner"  &  “Companion in this nation building endeavor and seek your support to guard, promote and improve Industrial growth in your state and Locality for the overall growth of our country with the aim To Make India 'Skill Capital of The World'
Currently we are skilling  under PMKVY 2.0, ESDM, NDLM, DDU-GKY, Also, there are several state government projects, which can be implemented by the Training Center on behalf of US.

Courses We Offered Training Across 219 Trades / Job Roles 
 under 32 Sectors 

The Financial sharing Training Center:-

%age  of Total  
Stages Of Payment - PMKVY 2.0
 % Share  (per Successful Trainee)
    30 %
After commencement & uploadation of  each batch and Adhaar Validation on SDMS
 70 %  - Training Center ( yours)
 30 % - SSF ( Ours)
    50 %
After Completion of training of each batch as per the PMKVY norms and certification thereof basis assessment test conducted by assessment agency
 70 %  - Training Center ( yours)
 30 % - SSF ( Ours)
   20 %

After submission of a copy of placement/ offer letter and salary slips along with bank statement in respect of placed candidate.
 70 %  - Training Center ( yours)
 30 % - SSF ( Ours)

 'SUNAINA SAMRIDDHI FOUNDATION" would like to have the privilege to appoint you as its TC/Franchise/ Lease Partner

(The documents pertaining to the association such as MOU and the Indemnity Bond would shared shortly through a separate mail once you show your interest to associate with us  by reverting back on this mail ).  

For any further query of clarification you may contact us at & 

You are invited to view some of the informative information & guidelines of PMKVY 2.0 as per the following links :  PMKVY 2.0 - Guidelines                                                                   :  Click Here  PMKVY 2.0 - Job roles /Trade                                                           :  Click Here  PMKVY 2.0 - Lab & Class room req details Job roles-wise                :  Click Here  PMKVY 2.0 - Trainer's Qualification & Profile Job roles-wise             :  Click Here  PMKVY 2.0 - Center Validation & Affiliation Guidelines                     :  Click Here  PMKVY 2.0 - Branding & Communication guidelines                        :   Click Here  PMKVY 2.0 - Grading Metrics for Accreditation Standards                :   Click Here  PMKVY 2.0 - Portal for Center Affiliation going live soon(7/9/16)      :   Click HereSSF has proprietary rights over the contents of this mail and hence you are requested to not share the same with anyone, without our prior approval.For more details visit or contact us at +91- 7860764064, 8439439699Regards,Chief of Operations
A-05, Budh Vihar Commercial ,
Taramandal Road , Gorakhpur  273016, Uttar Pradesh
W:  | Empowering for Better | +91-7860764064, 8439439699
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IELTS Test Preparation

Why prefer IELTS to TOEFL The IELTS or the International English Language Testing System is the most popular and trusted testing system of proficiency of a candidate in English. There are similar types of tests and TOEFL or Test of English as a Foreign Language is another popular test. Different universities, organizations and absorbing bodies accept different tests. Both the testing system have four basic sections as Listening, Reading, Speaking & Writing. The TOEFL takes tests on only academic subjects, while the IELTS academic test has reading, writing tests also combined with general listening and speaking tests. Let's have a comparative discussion of the two tests, to clarify why the IELTS is preferred to the TOEFL: 1) The IELTS has a much better reputation and trust regarding acceptability throughout the world because of its' unbiased testing system and excellent standard. Universities of as many as 140 countries and including a number of USA universities as well, accept the IELTS. 2) The Governments of some countries like U.K., Australia, New Zealand and Canada consider VISA and Immigration only after checking the IELTS certificates of the candidates. 3) The TOEFL test lasts for 4 hours, naturally, its' quite a cumbersome job for the candidates, while the IELTS takes only 2 hours and 45 minutes to complete. Thus the IELTS being a less stressful test compared to TOEFL is gaining popularity year on year. 4) The most accepted and widespread form of the TOEFL, which is known as iBT i.e. Internet Based Test. Students need to be computer savvy that too with good typing speed in case of giving the TOEFL test, unlike the IETLS test, where it is like a normal testing system, where the answers are handwritten on answer sheets. 5) The TOEFL offers only an academic English test for admission requirements while the IELTS offers also a general test, which includes handling real-life situations and justifying an opinion, etc. This pattern of the test has made IELTS more practicable and naturally more acceptable to the candidates and as well as to the absorbing bodies. 6) Another distinct reason to prefer the IELTS is: In the IELTS speaking test a candidate has to speak with a certified examiner, who asks questions, interrupts, and interacts with a candidate. Thus the examiner tests a candidate's depth of English knowledge, his confidence, his ability to justify and support his statement, etc. Also, the candidate feels free to express himself properly in a friendly situation, where even he gets stuck at some point, he gets help from the examiner. This is also the IELTS advantages. 7) On the contrary, in the TOEFL, a candidate speaks before a microphone and his recorded voice is sent to the examiner for judging. If the candidate gets stuck at some point he gets nobody to help him. Moreover, the examiner doesn't get a chance to interact and cross check the confidence level of the candidate. Naturally, the absorbing bodies prefer the IELTS to TOEFL as the examiners can assess the candidates perfectly in the IELTS speaking test. 8) In the Listening Test in the TOEFL mainly north American English is used, whereas in the IELTS, the authority uses a wide range of International English. Moreover, the pattern of the IELTS test makes a candidate fully aware of the English language used by the country where he is heading to. 9) The IELTS is mostly based in the U.K., hence, candidates with the IELTS certificates are easily accepted in the major English speaking countries. Universities and colleges in countries like Britain, Canada, New Zealand, and Australia accept the IELTS certificate. As well as many American universities have started accepting the IELTS. 10) In the TOEFL there are mainly multiple choice questions, on the contrary in the IELTS candidates get miscellaneous questions in the form of fill in the blank, ticking true/false, matching flowcharts, etc. apart from multiple choice questions. Thus making the examining procedure less hectic and more practical. 11) If a candidate is opting for migration, not for study purpose, then the IELTS General Training Test is the best option for him. 12) In the case of the writing test, unlike that in TOEFL test, the IELTS test has got two different types of writing papers: One is the academic test and the other is the general training test. Academic Test is for those who want to take admission in the universities and the General Training is mostly for working professionals and for those who want immigration. 13) In real life, students are mostly habituated in answering by writing on papers in exams, with hardly a handful of them habituated in answering by typing a computer keyboard, which they need to do in the TOEFL. This is a clear disadvantage of the TOEFL. 14) Moreover, the IELTS writing test repeats the same format year after year, thus making it easier for candidates to prepare for. 15) The TOEFL listening test continues for 60 minutes. While the IELTS listening test continues for 30 minutes. Naturally, it becomes highly tedious for candidates to listen for such a long time and answering thereafter. 16) The TOEFL Test takes 4 hours to complete, compared to the IELTS which takes 2 hours and 45 Minutes. So The TOEFL needs a greater level of stamina and patience. 17) If a candidate requires VISA for studying in the U.K., then the IELTS is surely the best option for him as the UK Home Office regards the IELTS as one of the best tests of the proficiency in the English Language. 18) According to the survey, 'Students get exhausted on the halfway' during the TOEFL test, they say 'It is almost impossible to preserve 100% concentration for such a long duration of time. Some students who have appeared for both the tests opines that with the IELTS it is comfortable to carry on. Comparing the advantages and disadvantages of the two types of exams, it is observed that the majority of students prefer the IELTS system of examination as: • IELTS follow the conventional way of examination, i.e. writing answers on the answer sheet, rather than typing it on the keyboard. • Usually, a candidate is not comfortable to speak on a microphone, naturally, it's a strange feeling altogether to speak over microphone without the presence of any examiner, like in the real life exams in general. • A candidate is not usually comfortable in American English, especially in the North American English. Because most of the non-English speaking countries follow the 'British English' to teach students. • A candidate is not good at answering multiple-choice questions. • A candidate is comfortable in giving an interview in-person. If a candidate is habituated with American English, he might find some parts of the IELTS as unfamiliar, while a candidate with a knowledge of British English would feel the TOEFL is a bit too tough to handle. Though neither of the two tests penalizes a candidate for using one dialect or the other, as long as his answers are error-free and understandable. The short duration of the IELTS gives the candidates a breather, despite the toughness of the tests. In spite of the fact that the IELTS has a much wider range of question types including multiple choice questions, gap filling, matching exercises and so on. Due to the short time span compared to the TOEFL it is easier for the candidates to complete the IELTS test at a stretch with 100% concentration. The IELTS regarded as the most popular test of its' kind. The IELTS tests open the doors to the candidates for venturing into a world of academic and professional opportunity. Millions of candidates/students are migrating every year to study or work in the countries like the UK, Canada, New Zealand, Australia and the USA, and so many other countries worldwide. Market research says thousands of the world’s most reputed universities, colleges, Professional bodies, accept the IELTS result of a candidate as an evidence of his English language proficiency. The IELTS certification is more acceptable by governments of different countries than any other English language tests. The IELTS speaking test is the only high standard English test where a candidate gets to talk with the examiner on one to one basis without any interruptions and distractions.

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December 08, 2016

Get discounts on fuel, rail tickets, tolls on digital payments

The government on Thursday made petrol and diesel cheaper for those paying digitally and offered up to a 10 percent discount on insurance premium paid through state-owned companies’ online portals, as part of a string of new measures to wean people away from using cash. Finance Minister Arun Jaitley announced the new steps as the government took stock of developments a month after the old Rs 500 and Rs 1,000 notes were demonetised on November 8. Here are the new measures announced on Thursday: Fuel purchases For those paying through cards and e-wallets, petrol and diesel purchases will be cheaper by 0.75 percent Point-of-sale machines The government will provide two Point of Sale (PoS) machines for free to each of the one lakh villages that have a population of upto 10,000. Around 750 million crore people will get access to these machines. Also, fee for PoS devices given by banks will be capped at Rs 100. Currently, there are 6.5 lakh such PoS across the country. Suburban season tickets Seasonal and monthly tickets of suburban railway networks will offer a discount of 0.5 percent if paid digitally. The discounts will start from January 01, 2017 from Mumbai Suburban Railway network Rail ticket incentives Railways passengers who purchase tickets online will be eligible for an accident insurance coverage of Rs 10 Lakh for free. Currently, 58 percent passengers buy tickets online Passengers making payments online will also be eligible for 5 percent discount on accommodation, catering and retiring room at railway stations. Service tax waiver No service tax will be charged on credit and debit card payments on transactions of up to Rs. 2,000. Insurance cover Customers paying payments through online gateways of public sector general insurance companies will be given a 10 percent discount. The discount will be 8 percent for premium made through the portal of Life Insurance Corporation (LIC) Government bodies and central public sector undertakings will not charge a transaction fees for digital payments. Toll plaza sop Highway users will be eligible for a 10 percent discount if tolls are paid through the digital mode People who pay digitally at toll plazas on national highways will get a 10% discount.

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Immediate Payment Service (IMPS)

IMPS is real-time remittance service available anytime, anywhere across India. Using IMPS customers can transfer money real-time to any person or to a merchant, for any personal or commercial purpose.
IMPS is available round-the-clock and operates even during bank holiday, weekends or festive holidays.
IMPS can be used on any platform - Mobile, Internet and ATM across any bank in India. For any transfer, IMPS is the answer.
Instant domestic fund transfer
Available 365 X 24 X 7 (yes! we work on holidays too)
Safe and secure
Easily accessible
Cost effective
Available on Mobile, Internet and ATM
Multiple transfer input options to choose from, for initiating transactions, such as IFSC / MMID/ Account no./AADHAAR no.
Multiple access mechanism to choose from
You can use IMPS to transfer funds to your loved ones, pay merchants after shopping, pay bills and fees and pay for many more services listed below:
Fund Transfer Services
Instant Account to Account Fund Transfer/Remittance
Instant Account to Wallet and Vice versa
Merchant Payments
Mobile top-up / DTH top-up
Schools & Colleges Fee payments
Utility Bill payments
Online shopping
Grocery Bills Payment
Insurance premium payment
Over-the-counter payments
Fees payments to schools / colleges / universities
Travel & Ticketing
Credit Card Bill Payment
Donation to religious institutes

*99# Service

One of the innovative payment service launched by NPCI includes *99# service, which works on Unstructured Supplementary Service Data (USSD) channel. This service was launched envisioning the potential of Mobile Banking and the need for immediate low value remittances which will help in financial deepening and inclusion of underbanked society in the mainstream banking services. *99# service was dedicated to the nation by the Honorable Prime Minister of India Shri Narendra Modi on 28th August 2014 as part of Pradhan Mantri Jan Dhan Yojana (PMJDY).

*99# service has been launched to take the banking services to every common man across the country. Banking customers can avail this service by dialing *99#, a “Common number across all Telecom Service Providers (TSPs)” on their mobile phone and transact through an interactive menu displayed on the mobile screen. Key services offered under *99# service include, interbank account to account fund transfer, balance enquiry, mini statement besides host of other services. *99# service is currently offered by 43 leading banks & all GSM service providers and can be accessed in 12 different languages including Hindi & English. *99# service is a unique interoperable direct to consumer service that brings together the diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers).
*99# Service  on Scribd

It is a common technology platform developed by NPCI which allows the Banks and TSPs to seamlessly integrate with each other to provide banking services to the customers at large over the mobile phones (basic as well as smartphone).

Currently, following Financial, Non-financial and Value Added Services (VAS) are offered through *99# service.

Financial Services Fund Transfer (P2P)
Fund Transfer (P2A)
Fund Transfer (P2U)
Non-Financial Services Know MMID
  • Generate MPIN
  • Change MPIN
Change MPIN
Generate OTP
Balance Enquiry
Mini Statement
Value Added Services QSAM (Query Service on Aadhaar Mapper) or *99*99#

 Features of *99# Service
  • Works without Internet – Uses voice connectivity
  • Round the clock availability (works even on holidays)
  • Accessible through a common code *99# across all TSPs
  • Works across all GSM service providers and mobile handsets
  • Additional channel for banking and key catalyst for financial inclusion
  • Service also offered through BC Micro ATMs to serve the rural populace

S. No. Bank Name Category First 4 Letters of IFSC Short Code Multimodal Code
1 Abhyudaya Co-op Bank Co-op ABHY ACB *99*87#
2 Allahabad Bank Public ALLA ALB *99*54#
3 Andhra Bank Public ANDB ANB *99*59#
4 Apna Sahakari Bank Co-op ASBL APN *99*85#
5 Axis Bank Private UTIB AXB *99*45#
6 Bank of Baroda Public BARB BOB *99*48#
7 Bank of India Public BKID BOI *99*47#
8 Bank of Maharashtra Public MAHB BOM *99*61#
9 Bhartiya Mahila Bank Public BMBL BMB *99*86#
10 Canara Bank Public CNRB CNB *99*46#
11 Central Bank of India Public CBIN CBI *99*51#
12 Corporation Bank Public CORP CRB *99*57#
13 DCB Bank Private DCBL DCB *99*65#
14 Dena Bank Public BKDN DNB *9978#
15 Federal Bank Private FDRL FBL *9972#
16 Gujarat State Co-op Bank Co-op GSCB GSC *99*90#
17 Hasti Co-op Bank Co-op HCBL HCB *99*89#
18 HDFC Bank Private HDFC HDF *99*43#
19 ICICI Bank Private ICICI ICI *99*44#
20 IDBI Bank Public IBKL IDB *99*49#
21 Indian Bank Public IDIB INB *99*58#
22 Indian Overseas Bank Public IOBA IOB *99*52#
23 IndusInd Bank Private INDB IIB *99*69#
24 ING Vysya Bank Private VYSA ING NA
25 Janata Sahakari Bank Co-op JSBP JSB *99*81#
26 Karnataka Bank Private KARB RIB *9976#
27 Karur Vysya Bank Private KVBL RVB *9975#
28 Kotak Mahindra Bank Private KKBK RMB *99*68#
29 Mehsana Urban Co-op Bank Co-op MSNU MUC *99*82#
30 Nainital Bank Co-op NTBL NTB *99*80#
31 NKGSB Co-op Bank Co-op NKGS NGB *99*83#
32 Oriental Bank of Commerce Public ORBC OBC *99*53#
33 Punjab & Maharashtra Co-op Bank Co-op PMCB PMC *99*88#
34 Punjab & Sind Bank Public PS IB PSB *9971#
35 Punjab National Bank Public PUNB PNB *99*42#
36 RBL Bank Private RATN RBL *9979#
37 Saraswat Bank Co-op SRCB SRC *99*84#
38 State Bank of Bikaner & Jaipur Public SBBJ SBJ *9970#
39 State Bank of Hyderabad Public SBHY SBH *99*60#
40 State Bank of India Public SBIN SBI *99*41#
41 State Bank of Mysore Public SBMY SBM *9973#
42 State Bank of Patiala Public STBP SBP *99*62#
43 State Bank of Travancore Public SBTR SBT *99*67#
44 Syndicate Bank Public SYNB SYB *99*55#
45 Tamilnad Mercantile Bank Private TMBL TMB *9977#
46 The South Indian Bank Private SIBL SIB *9974#
47 UCO Bank Public UCBA UCO *99*56#
48 Union Bank of India Public UBIN UOB *99*50#
49 United Bank of India Public UTBI UBI *99*63#
50 Vijaya Bank Public VIJB VJB *99*64#
51 Yes Bank Private YESB YBL *99*66#

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