exam clear hone ki umeed
- others - comment
- i will clear it - damn sure about it
- i will not be able to clear it chache bhagwan ko bhi le aao
- bhagwan bharose
0 voters
IBPS po mains ka result kab tak aayega. ?
yaha beer pi pi k din nikal rha hun akele :-(
THOSE puys who have qualified for RRB PO interview, are you confident you will clear IBPS PO mains? 😛
After 31st Oct Mains exam...
1. Pyar ka mausam + bakar+ surveys(2-3 days)
2. Songs, Shayari ka mausam+ bakar + surveys(2days)
Next is What?
I see many posting aptitude questions,vocabulary daily here.
Also its better to start static gk daily -a question : definitely it will help us in long run
As u can see even IBPS changing their pace including 3-4 static GK questions in their exams.
Not only for IBPS aspirants,it will be useful for every competetive xam aspirant because the one who wants a PSU job shud be ready for giving all the xams that are to be notified..
So I will start from today by posting prior from previous UPSC questions.
Thanq u..
Puys . . . . . . what is the best way to focus on books, I mean hard copy reading. I favor reading on Laptop or tab, causing pain in my eyes. But I feel sleepy whenever I open a book.
Is there anyone facing the same problem?
Foreign exchange reserves have increased substantially /have been increased substantially
Mains result is expected in November only right?
i was in the first shift..i attempted 31 in GA..only 22 correct and 9 wrong...how much marks i can get???
thanku u guys...got 200+ karma....i might sound novice but then it is making me happy
Who will emerge winner in bihar elections??
iska result to 8 ko aa jaayega...:p
- NDA
- koi bhi jeete apna ibps qualify ho jaaye bas…
- Mahagathbandhan
0 voters
Really imp question ....frnds plz answer..........
Frnds ek bat btao..... agr pura sal paper ni pada ho tou har month ki gk bullet padle pagalguy ki.... tou bhut hai kya..... exam ho jaega isse clear aur sari happenings hoti hai na isme..... ?
Dear Readers,
Pradhan Mantri Jan Dhan Yojana has recently been in the news and could be important for your exams.
The PMJDY is fundamentally an initiative which targets nationwide financial inclusion and intends to cover rural as well as urban areas by providing basic banking provisions to one and all. This article will look at its objectives, background, benefits, criteria and criticism.
Objectives
· To cover all households in the country with banking provisions and having a bank account for every household.
· To facilitate access to need-based credit, remittances, insurance and pension to weaker and excluded sections, and low income groups.
· To channel all government benefits (from union/state/local) to the beneficiary accounts and implement the Direct Benefits Transfer scheme of central government.
· To provide two accounts to 7.5 crore identified households by August 2018.
Background - What is PMJDY?
· Launched on 15th August 2014 by Prime Minister Narendra Modi, the PMJDY is the government's national mission towards financial inclusion.
· Mr. Modi called the occasion a festival to celebrate the liberation of the poor from a poisonous cycle.
· Under PMJDY, any citizen of India who is above the age of 10 years and does not have a bank account can open one with zero balance.
· The account can be opened in any bank branch or Business Correspondent (Bank Mitr) branch, specially designed for opening the accounts under this program.
· The account holders under this scheme will be provided with a RuPay debit card, which can be used at any ATM and several retail outlets across the nation for making purchase transactions.
· Earlier the government had launched a financial inclusion plan, called Swabhimaan, which only targeted villages with populations of more than 2000. Under PMJDY, however, the entire country will be covered.
· RBI has started a Basic Savings Bank Deposit Account (BSBDA) which will have no minimum balance requirements. It will also have the facility of ATM or ATM-cum-Debit card without any extra cost.
· Maximum four withdrawals including ATM withdrawals can be made in this account, but there is no such limit for making deposits. This will further reflect Prime Minister's mission of promoting savings.
Benefits of PMJDY
· By providing banking opportunity and insurance coverage to all, including the poor, the PMJDY will revolutionize the conventional banking framework.
· The Prime Minister initiated this to help the poor become more financially confident by giving every citizen the right to have their own bank account.
· The account holders would get insurance coverage worth ₹30,000 if they comply with certain specifications of the scheme like opening the bank account before 26th January 2015. A RuPay debit card will also be provided.
· In case of death due to any cause, an additional accidental insurance coverage of over ₹200,000 will also be provided as a part of the Pradhan Mantri Jeevan Jyoti Beema Yojana (PMJJBY). Under this, people aged between 18 and 50 years with bank accounts will have to pay an annual premium of ₹330 excluding service tax.
· Another scheme, Pradhan Mantri Suraksha Bima Yojana (PMSBY), will be merged with the PMJDY. This will be available to people aged between 18 and 70 years with bank accounts, and will require an annual premium of ₹12 excluding service tax. In case of accidental death or full disability, the nominee will be paid ₹2 lakh and ₹1 lakh in case of partial disability.
· The account holder can take a loan benefit of up to Rs. 5000 from the bank after six months from opening the account. This seemingly insignificant amount will be of great help to people who are below poverty line.
· Even though smartphones have now become common for making bank transactions, the PMJDY will let its account holders avail the same facilities of transferring funds and checking balance on a normal cell phone. This will make mobile banking more economical for the general public.
How to Open an Account under PMJDY?
· Just the Aadhaar Card or Number will suffice. In case the address is changed, a self-certification of current address would also be required.
· If Aadhaar Card is not available then any one of the Officially Valid Documents (OVD) - Voter ID Card, Driving License, PAN Card, Passport or NREGA Card - will have to be produced.
· If one does not have any of the OVDs, one can open "Small Accounts" with the banks. This small account can be opened by submitting a self-attested photograph and a signature or thumb print in the presence of an official of the bank.
· These small accounts will have restrictions regarding the aggregate credit (not more than Rupees one lac per year), aggregate withdrawals (not more than Rupees 10,000 per month) and balance in the accounts (not more than Rupees 50,000 at any point of time).
· These accounts will be valid normally only for twelve months. Thereafter, such accounts would be allowed to continue for another twelve months only if the account holder provides a document showing that s/he has applied for any of the OVDs, within a year of opening the small account.
Achievements of the PMJDY
· The Jan Dhan Yojana has been featured in the Guinness Book of World Records for opening 1.8 crore (1,80,96,130) accounts by banks in one week - 23 to 29 August 2014.
· Against the target of 7.5 crore bank accounts by 26th January 2015, the PMJDY has recorded 11.5 crore bank accounts on 17th January 2015.
· As on October 7, 2015, the deposits in the accounts under PMJDY have reached a total of ₹25,146.97 crore.
· The PMJDY accounts with balances have now surpassed 60 per cent and the accounts with zero balance have reduced to less than 40 per cent (37.5%).
· The major banks that have contributed to this accomplishment are - State Bank of India (₹2,989.18 crore), United Bank of India (₹2,644.77 crore), Oriental Bank of Commerce (₹2,104.70 crore), Bank of Baroda (₹1,771.42 crore) and UCO Bank (₹1,178.17 crore).
· According to the official website of PMJDY, 19.02 crore bank accounts have been opened, in which 11.58 crore accounts are in rural India and the remaining 7.45 crore are in urban areas.
· A total of 16.38 crore RuPay cards have been issued till now.
· The Aadhaar card has been used to open 41.82% of accounts under PMJDY.
· More than 1.26 lakh Bank Mitras have been established with online devices aimed at KYC (Know Your Customer) strategies and also have interoperable payment facility.
· From September 2014 to April 2015, 1,47,418 students in 2,567 schools and colleges were trained on financial literacy. 1,31,012 Mega Financial Literacy camps were also held by banks under PMJDY, with ample support from 89,876 Financial Literacy counters to spread awareness.
· Over 10 lakh accounts have been deemed eligible for the Overdraft facility, and 1,64,962 accounts have availed it till now.
· 847 Claims of Life cover of ₹300,000 and 389 Claims of Accident Insurance cover of ₹1 lakh have been successfully paid by the sub-schemes of PMJDY, like PMJJBY and PMSBY.
· As on August 22, 2015, 8.17 crore beneficiaries have been enrolled under the PMSBY and 2.76 crore have been enrolled under PMJJBY and 6.83 lakh account holders have been enrolled under Atal Pension Yojana.
These are the primary points of the Pradhan Mantri Jan Dhan Yojana (PMJDY). If you can understand these well, you will be able to attempt the questions pertaining to it with great ease.
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Au revoir! Guys... have fun and all the best every one for the results & interviews! I hope the best.... gets the best! Lot's exams are lined by... take care :)
Guys..abhi tak kisi ko bi..ibps PO mains ki kaisi bi complaint ka ibps se kuch bi reply aaya hai..??
Defence minister of canada
- John McCallum
- NOTA
- Justin Trudeau
- Perminder Kaur
- Harjit Sajjan
- Lawrence MacAulay .
0 voters
Pg is better than fb
- Need some time
- Yes
- No
- Not comparable
- It’s nothing without preetam
- Question is tough to… Answer
- Feeling shy
0 voters
Reporter-Aap ko beta 200cr ke company ka CEO ban gaya.aap ko kaise lag raha hai
Aunty-ok,but thodi aur mehnat karta to government job mil jati.....