Everything you should know about Gmail’s new “confidential mode”

gmail image

Gmail recently rolled out its biggest redesign ever which brought a huge set of changes to the popular e-mail service.

The most prominent update in the new Gmail is the introduction of “confidential mode”.

It allows senders to set an expiration date on sensitive e-mails. The mode lets you block the forwarding, copying, downloading, or printing of sent e-mails as well.

Two-factor authentication of e-mails

Under the confidential mode, you can also set two-factor authentication (2FA) on e-mails. Recipients will have to authenticate an e-mail with a passcode, which will be received via a text message, in order to open it.
Here's the procedure of making an e-mail self-destructive

Here’s the procedure of making an e-mail self-destructive

Compose an e-mail and click on the padlock icon at the bottom of the window.

This will enable the confidential mode so recipients won’t be able to forward, copy, download, or print the e-mail’s contents.

You will be provided with two choices to further secure the e-mail: set an expiration date on it and/or make it password-protected. Select both.

Hit save, e-mail will turn blue to indicate it’s confidential

Notably, you can only select from the list of expiration dates Google offers (1 day, 1 week, 1 month, 3 months, 5 years). Before sending the e-mail, Gmail will prompt you to enter the recipient’s phone number for the purpose of sending him the password.

Access restricted e-mails for only 10 minutes at one stretch

On opening a confidential e-mail, recipients will be shown with a “Send passcode” option.

After entering the passcode, they can access the e-mail for 10 minutes. After every 10 minutes or in case of re-opening the e-mail, recipients will have to request a new passcode.

The e-mail will also come with a disclaimer at the bottom that will inform when the e-mail will expire.

Content will automatically disappear after a set period of time

Once the expiration time is reached, the e-mail will become blank. Its timestamp will also get permanently set to the time it expired. Recipients will be able to see the subject line though. Interestingly, the sender can renew access for the recipient retrospectively as well.
Source:- newsbytesapp

Passport changes from June 2018

Passport office at Mundhwa. Besides changes in address, MEA is also considering changes in colour of passport.

A day after Hindustan Times published a report that passports may no longer be valid proof of address as they may not have the last page, regional passport officer in Pune said that the changes will come into effect from June this year.

HT in its Friday edition had reported that passports may no longer be a valid proof of address for the reason that they may not have the current last page with the address of the passport holder. However, all the information will continue to be possessed by the passport office and the immigration department or security agencies.

JD Vaishampayan, regional passport officer, Pune said that the new passports will be issued from June 2018 once the existing lot is distributed.

“Basically at the time when the financial allocation is done, we decide an estimated number of passports that would be required for the entire year. So, by May 2018, the existing stock of passport will end. Consequently, by June we will start issuing new passports,” said Vaishampayan. The new passports will be printed at the India Security Press, Nashik, said Vaishampayan.

Earlier, confirming that changes could happen from “next series” of passport being issued, Surendra Kumar, under secretary of policy and legal matters and visa division at ministry of external affairs, said that the new decision has been taken to protect details of passport users. “The decision to keep the last page of passport blank has been taken to protect the details contained,” said Kumar.

According to officials, the details of the passport holders are in the back-end with the officials. Since 2012, all the passports have had a bar code and by simply scanning them, the information can be accessed. Currently the first page of passport has the photograph as well as other details of the passport holder; the address is printed on the last page.

Speaking about whether these changes in the passport are being done to make Aadhaar the only residence proof , Vibhuti Kumar Bhushan, regional passport officer, Kolkata said, “These changes have nothing to do with the importance of Aadhaar card. Passport is basically a travel document.”

Besides the changes in address, the MEA is also considering changes in colour of passport.

Currently, passports are issued in three colours: white for government officers or to those people who visit other countries for official work of the government; red for diplomats; and blue for all others across two categories — those who require emigration check (ECR) and those who do not (ECNR).

Soon, however, those in the ECR category will have orange passports, Kumar said. This will increase the speed of the process of emigration as the colour of the passport will make it clear whether the emigration check is required or not. The printing of the new ECR passports will be done at the India Security Press at Nashik. In this case too, existing ECR passports will be valid.

Reactions

Dr Kiran Shinde, paediatrician, a Pune resident who practices in Saudi Arabia said, “The decision by the Government of India should be welcomed. In peak hours when I travel to Kingdom of Saudi Arabia from India, average time required to clear the process of emigration is one hour. Different queues should be made for the ECR and the ECNR category of passport holders to avoid any confusion. With proper planning and execution, this is certainly a good change and will be quite helpful for the passenger”.

Daud Khan, sales associate, Panasonic from Kuwait said, “In the larger context, the overall idea appears to be good. This will certainly help in crowd management and will save the time consumed in the immigration process. However, it will be too early to comment whether the decision is good or bad. What concerns me is the implementation of it and how well is it received by other countries. Government endeavors are infamous for grave mismanagement and preparation in India. The bearers of ECR Passports are uneducated people. Ergo, if anything goes wrong in another country or even in Indian airports people will panic which can invite some serious problem. Government of India should take such issues in cognizance while preparing the guidelines of implementation of this change”.

Pathan Atahar Khan, a resident of Beed said, “I visit Gulf countries quite often. This year I will be going to Haj Yatra. In this ‘Yatra’ many people belong to the ECR passport category. We are very happy with this customer friendly decision of the government of India. This decision will cut short the lengthy time taken for the process of emigration check. However, the government of India must ensure that for lacking the information of these changes, it does not create a chaos amongst the common man”.

RPO Pune said, “Now that the official decision regarding the changes in the passport have been taken, we will also formulate the policies regarding informing the same to our passengers. However, it will be very premature to speak on any decisions concerning the same.”

Source by hindustantimes

How to pay LIC premium online

Life Insurance Corporation, also known as LIC, is one of India’s most prominent, and oldest life insurance company. Established in 1956, LIC has been providing insurance solutions to millions of customers since the time it was the only insurance provider in the country altogether. Over time, the company has expanded not only its operations, but also its product suite to cater to the insurance needs of the ever increasing population. Following years of innovation and providing some of the best life insurance Plans, LIC is now counted among some of the most reliable, trusted, and popular life insurance providers in the country.

Online Payment Facility By LIC:

With the world of banking and insurance having shifted online, more and more people are now opting for the convenience of making payments online. With time and innovation, these channels of making payment have become more and more sophisticated. For the convenience of their customers, LICoffers a number of channels via which customers can make payments for their LIC policies. Payments for LIC policies can be done online in variety of ways such as from the LIC website, at authorised bank branches, at franchisees, or even at merchants. Here, we have prepared an exhaustive list of all the options via which customers can make payments for their LIC policy premium online.

LIC Online Payment Channels:

LIC Website Authorised Banks Franchisees Merchant
  • Net banking
  • Debit Card
  • Credit Card
  • Axis Bank
  • Corporation Bank
  • AP Online
  • MP Online
  • Suvidha Infoserve
  • Easy Bill Pay
  • Premium point
  • Life – Plus (SBA)
  • Retired LIC Employee Collection

Premium payment through LIC website:

To make payments for their plans and policies in a secure and convenient manner, LIC has set up a special portal known as ‘Online Payment Gateway’ which is an on-demand premium collection service. Through this portal, customers can easily make their policy payments in real-time, and in a secure manner via net banking. They can also make online payments for LIC policies via credit card or debit card. This facility can only be availed by customers who are registered and have had their LIC policies enrolled on the LIC website. Some important points to remember regarding payment via the Online Payment Gateway are:

  • Premiums can be paid only for policies which are in-force, and for ordinary policies under the yearly, half-yearly, quarterly, and monthly mode of premiums collection. Premium payment for Salary Savings Scheme (SSS) policies will not be allowed via this portal.
  • Payments via LIC’s online payment portal (net banking, credit card, or debit card) can also be done by customers from outside India.
  • This channel of making payments is extremely secure as no policy data is shared in the process. The amount to be paid is fully encrypted.
  • This online payment service can be availed by the customer without having to pay any fee or charge.
  • The payment gateway for payment via debit card or internet banking is BillDesk. For payment via credit card, the payment gateway is IDBI.
  • For net banking, customers can go to the LIC website to find out the banks which are supported by LIC for making online premium payments. All major banks are supported.
  • Customers can get the receipt for the premium paid on the portal itself. The receipt is sent to the policyholder via email, and can also be printed.
  • Premium payments can only be done 30 days before the due date, and until the policy is in-force. For term insurance plans, the advance payment period allowed is 15 days.
  • If premium payment is after due date, a late fee at the rate of 8% (minimum of Rs.5) will be levied.
  • Premiums cannot be paid for the coming financial year.

Authorized Banks for LIC:

LIC has partnered with two of india’s leading banks to provide added convenience to their customers in making premium payments online for LIC policies. LIC customers can make their policy premium payments at Axis Bank or Corporation Bank branches as well. Here are some points to remember regarding this online payment method.

  • Premium payment can be done at any branch or extension counter of Axis Bank or Corporation Bank.
  • Premium payment at authorized bank branches will be accepted either in cash or via a cheque drawn on the particular bank.
  • Premium payment at authorized banks can only be done for LIC policies that are still active. Payments will not be accepted for Salary Savings Scheme policies.
  • Premium payment can only be done 30 days in advance for regular life insurance policies. However, for term insurance policies, advance premium payment can only be done 15 days before due date.
  • Premium payment for ULIP and Health policies will not be allowed.
  • For late premium payments, a late fee at the rate of 8% (minimum of Rs.5) will be levied.
  • Premiums cannot be paid for the coming financial year.
  • Upon receiving premium payment, the authorized bank will issue a signed receipt which fully valid. For such payments, no separate receipt will be issued by LIC.

LIC Franchisees/Authorized Collection Centres:

LIC has also partnered with a number of government and privately owned service providers and companies to facilitate premium payment for it’s customers. The 4 service providers under Franchisees include AP Online – official portal for the Andhra Pradesh government; MP Online – official portal for the Madhya Pradesh government; Suvidha Infoserve – an s-commerce organization which provides a multitude of bill payment services; and Easy Bill Limited –a one-of-a-kind alternate bill payment service which is secure and convenient, and offers bill payment services via traditional friendly neighbourhood stores. When making payment via any of these authorized collection centres, do remember:

  • Premium payment will only be taken in cash and not any other mode.
  • Premiums will only be accepted for policies that are active at the time of making payment. The collection centre will not accept payment for policies which fall under the Salary Savings Scheme (SSS).
  • This premium payment facility can be availed for free. there is no service charge or extra fee that is levied for the usage of this service.
  • If making payment via any of the government owned collection centres, premium can be paid only in that particular state.
  • For late premium payments, a late fee at the rate of 8% (minimum of Rs.5) will be levied.
  • Premiums cannot be paid for the coming financial year.
  • Upon receiving premium payment, the authorized collection centre will issue a signed receipt which fully valid. For such payments, no separate receipt will be issued by LIC.
  • Customers can find the collection centre around them on the LIC website.

Merchants/AgentsForPremiumCollection: LIC has also authorized select personnel, or agents who can collect premiums for LIC policies. Personnel authorized to collect premium include agents at premium points, Senior Business Associates (Development Officers), and Retired Employees. Here are some important details regarding premium collection by authorized agents:

  • Collection of premium by authorized agents will be done for ULIP policies also, but not for health insurance. Premium payment updating will be done in real time.
  • Premium payment to a Senior Business Associate will be done via the LIC portal. The payment will be done in real time and the SBA will issue a valid receipt for the payment.
  • The SBA is also authorized to issue policy status reports, revival/loan/surrender quotations, forms, certificates for income tax purposes, and ULIP statements to policyholders.
  • Retired LIC employees are also among the authorized personnel who can collect premium payments. The premium payment updating is done on a real-time basis and can be done for ULIP policies as well.
  • Premium payment can only be done for policies that are in-force, and for ordinary policies with monthly, quarterly, half-yearly, and yearly modes of payment. Payment will not be accepted for policies that have been issued under the Salary Savings Scheme (SSS).
  • Premium payment can be done not only in cash, but also via cheque to any of these 3 authorized agents i.e. SBAs, retired LIC employees, and premium point collection agents.
  • Advance premium payment can only be done 30 days before the due date of payment and until the policy is active. However, for some select term plans, the advance premium payment period is 15 days before due date.
  • If premium payment is done after due date, a late fee at the rate of 8% will be levied; subject to a minimum of Rs.5.
  • Policyholders cannot make premium payments for the coming financial year in advance.
  • The facility of making premium payments for LIC policies to authorized agents is offered free of charge. There is no service charge of fee levied for usage of this service.

LIC Online Payment – For Registered/Non-registered Users:

The facility to make premium payments online has been introduced by LIC to not just make the process of making payments quicker, and safer. The option to make online payments is offered not just to customers who have registered their policies on the LIC website, but also to those who may have not done so. While the process for both these types of users will be different, nevertheless, it provides the same convenience, of making payments anytime, and from anywhere. Users can pay their policy premiums with just a few clicks and enjoy uninterrupted life insurance coverage.

LIC Online Premium Payment Through Net Banking (Non-Registered Users):

The convenience of making transactions is a facility which almost every bank in India now offers to its customers. This facility can come in especially handy when you have to pay premiums for your LIC policy online. The process for this is quite simple and hassle-free and one can easily do it on their own. Here, we will list down all the steps that you need to follow to make your LIC policy premium payment via the net banking option.

  • Step 1 – to pay your premiums, you need to first go to the LIC website. The URL for the website is licindia.in. You can simply type in the address on your browser to visit the website.
  • Step 2 – Once the website has opened, you will see a box labelled ‘Online Services’ which has several options underneath such as Online Loan, Customer Portal, Pay Premium Online, etc.
  • Step 3 – Under ‘Online Services’, click on the ‘Pay Premium Online’ tab to initiate the premium payment process for your LIC policy.
  • Step 4 – When you click on the ‘Pay Premium Online’ tab, it will open a new tab altogether labelled ‘Pay Premium Online’. This page will display two squares, one labelled ‘No Registration Required – Pay direct’, and the other ‘Registration Required – Pay Premium through e-services’.
  • Step 5 – If you have registered your policy on the LIC website, you can click on the box labelled ‘Registration Required – Pay Premium through e-services’. However, if you have not registered your policy on the LIC website and simply want to pay your policy premium directly, you must click on the box labelled ‘No Registration Required – Pay Direct’.
  • Step 6 – Here, we will be showing you the online payment method where no registration is required. For this, we click on the ‘No Registration Required – Pay Direct’ box.
  • Step 7 – The next page you see will contain a box which reads ‘Pay Direct’. Inside the box, there will be 3 options in 3 separate boxes labelled ‘Pay direct – no registration required’, “Pay through e-services – Registration required’, and ‘View Transaction Status’. Inside the ‘pay direct’ box, you will see a drop down menu which gives 3 options – Renewal Premium, Loan Repayment, and Loan Interest Payment.
  • Step 8 – You must then click on the ‘Renewal Premium’ option from the drop down, which will take you to a new page which shows 3 boxes indicating the steps involved in the premium payment process. Below the boxes will be 2 tabs, one marked Back, and the other marked Proceed. Click on Proceed.
  • Step 9 – The next page brings you to the first step of premium payment, which is Customer Validation. Here you must provide some policy related information. Specifically, you will be asked to provide your LIC policy number, your date of birth, your registered mobile number and email ID, and the instalment premium amount to be paid. After you have entered all this information, you will be required to enter a captcha code in the designated box as well.
  • Step 10 – Once you have entered all the information and the captcha code, click on Submit.
  • Step 11 – Next, you come to the Payment Particulars page, where you have to basically verify the information you have entered about your policy. After you have done so, click on the tab labelled ‘Checkout’.
  • Step 12 – the following page will again display a box with multiple columns which include your policy related information, along with individual columns for additional charges (if any) that will be added over the payable premium amount. These could be Service Tax, Education Cess, Late Fee, etc. The total premium amount payable will be shown in the box, along with a column ‘Pay Prm’. You need to tick the box under that column and then click on Submit.
  • Step 13 – This brings you to the last step of the payment process where will confirm the premium details and also select the mode of making the payment. You can choose between making payment via net banking through the BillDesk Gateway, or via Credit/Debit card (IDBI Gateway).
  • Step 14 – Click on the BillDesk Gateway to make payment via net banking. This will bring you to a page displaying a list of banks to choose from. All major banks are supported by LIC’s online payment service so customers can easily make online payments.
  • Step 15 – Click against the bank with which you hold an account and want to use for net banking to make the premium payment. Click on Submit to confirm.
  • Step 16 – You will be led to your chosen bank’s net banking login page.
  • Step 17 – Enter your net banking user ID, and password to log in to your net banking account. Once you have logged in, you will be asked to verify the payment amount.
  • Step 18 – After doing that, simply follow the instruction that are given to you to make the payment. Most times, for net banking transactions, you will be asked to provide certain grid numbers that are mentioned on the rear of your debit/credit card that is linked to the account.

LIC Online Payment for Registered Users:

If you have registered your policy on the LIC website, you can choose to pay premium for your policy via the e-Services facility offered via the LIC website. The steps to make premium payments using that facility are as follows:

  • Step 1 – Visit the LIC India website atwww.licindia.in. On the home page, locate the ‘Online Services section’ and click on the ‘Pay Premium Online’ tab.
  • Step 2 – This will redirect you to a new page where you will find 2 options – ‘Pay Premium through e-Services’, and ‘LIC Pay Direct’. Click on the first option to select it.
  • Step 3 – You will be redirected to the LIC e-Services page where you must click on the option labelled ‘Registered User’.
  • Step 4 – The following page you see will ask for your LIC login ID and password. Provide the necessary information and click on the Submit button.
  • Step 5 – To get your policy details, you first need to enrol your policy on the website.
  • Step 6 – Under the e-Services section, you will find a tab labelled ‘Enrol policies’. Click on it.
  • Step 7 – Once you have clicked on it, you will be asked to provide your policy number and the premium amount payable.
  • Step 8 – Next, you must click on the tab labelled ‘View enrolled policies’ that is on the left side of the page.
  • Step 9 – Next, a page with a code will be displayed. Fill in the code and click ‘Submit. Following this, you can view your policy details.
  • Step 10 – After you have entered the online services portal, you can view all your enrolled policies.
  • Step 11 – After viewing the policy details in customer service, you will be able to see an option “Pay Premium online” to make the payment online.
  • Step 12 – Next, click on the tab labelled ‘LIC Pay Premium Online’ and you will be able to see the list of policies that you have enrolled in your LIC account.
  • Step 13 – From this page, select the policies for which you want to pay the premium and click on the Submit button to confirm your selection.
  • Step 14 – You will be redirected to the payment gateway page where you can select to make the payment either via net banking or via your credit/debit card.

LIC Online Payment Through Debit/Credit Card:

Besides net banking, you can also make premium payment for your LIC policy using your debit card. The process for doing so is simple and easy to understand. Payments via debit card/credit card will be done via the IDBI Gateway. To start off on the process to make premium payment using your debit card, you can simply follow Step 1 to Step 13 listed under ‘LIC Online Premium Payment Through Net Banking’. The steps after that have been listed here:

  • Step 1 – Once you click the circle against ‘IDBI Gateway’, you will be re-directed to another page where you can see the Convenience Fee and Service Tax accompanying every Card Type. Identify your card type and the amount of premium you have to pay to find out the service tax applicable on your payable amount. Next, click on Submit.
  • Step 2 – Next, you will be redirected to the page where you will be asked to enter your card details to carry out the transaction. Most often, you will be asked to enter your debit/credit card number, card’s date of expiry, CVV2/CVC2 number, name on the card, email ID, mobile number. Also enter the captcha code displayed in the box. Alternately, you may also be able to make payment using an OTP, ATM PIN, or a password.
  • Step 3 – Click on Pay. You will receive a receipt regarding the payment made on your email id that you have provided or the one registered with your LIC policy.
Source  by:-bankbazaar

IRCTC Offer: This SBI Card Offers “Free” Train Tickets!

IRCTC Offer: This SBI Card Offers 'Free' Train Tickets!

IRCTC or Indian Railway Catering and Tourism Corporation offers free train tickets via a card of the largest lender of the country, State Bank of India (SBI). “Here’s announcing the arrival of exclusivity. Presenting the IRCTC SBI Platinum Card. The only credit card that gives you Free* Train Tickets… The IRCTC SBI Card is brought to you by IRCTC (Indian Railway Catering and Tourism Corporation) and SBI Cards,” IRCTC said on its website, irctc.co.in. The IRCTC SBI Platinum Card offers 350 reward points, 1.8 per cent transaction charges waiver, 2.5 per cent fuel surcharges waiver, and over 10 per cent value back on railway bookings, said IRCTC.

Benefits of IRCTC SBI Platinum Card

Get up to 10% ticket fare as reward points: Customers can get up to 10 per cent value back on AC1, AC11, CC booking as SBI Card Travel Reward Points for ticket purchases at irctc.co.in.

1.8% transaction charges waiver: Customers can save 1.8 per cent transaction charges (exclusive of GST and all other charges) every time they book their railway tickets online at irctc.co.in with their IRCTC SBI Platinum Card.

Earn free train tickets: You can shop, dine, travel on your IRCTC SBI Platinum Card and earn one reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at irctc.co.in. Customers can redeem all their reward points on irctc.co.in against railway ticket purchases (s).

2.5% transaction fee waiver on fuel purchases: Customers can avail 2.5 per cent transaction fee waiver on fuel purchases across all petrol pumps for transaction amount ranging from Rs. 500-Rs. 3,000 (exclusive of GST and other charges). The maximum surcharge waiver that can be availed is Rs. 100 per statement cycle per credit card account.

Reward points on purchases: Customers get 1 reward point for every Rs. 125 spent on other retail purchases, including railway ticket purchases, at irctc.co.in. One reward point = Re 1. “Apply today get free 350 bonus activation reward points,” said IRCTC.

Offers from VISA: Customers also get “great offers” on travel, gold, dining, and other entertainment options from VISA, according to irctc.co.in.

https://pbs.twimg.com/media/DdKG0_9V0AEkB3c.jpg

How to apply for IRCTC SBI Platinum Card
Customers need to send an SMS typing “RAIL” to 56767. After that, a representative from SBI will contact him/her. You can also visit “Apply Now” section of sbicard.com to apply for this card.

IRCTC has been running special travel packages and trains across domestic and international destinations. IRCTC is offering a three nights and four days package to Nepal, a six-day flight tour package to Sri Lanka, a 10-day package to Gaya and Varanasi, a seven-day tour package to Gangtok and Darjeeling and a Chandigarh-Shimla-Manali air package, among many others. IRCTC is also running the Bharat Darshan tourist train which covers important religious and leisure destinations of the country.

IRCTC-operated Maharajas’ Express is offering ‘the Indian Splendour’ tour package that covers  destinations like Delhi, Agra, Ranthambore, Jaipur, Bikaner, Jodhpur, Udaipur, Balasinor and Mumbai.

 

Source by ndtv..

SBI MCLR Rates, Base Rates, Interest Rates, Eligibility – May 2018

Current MCLR rate of SBI ranges from 7.80% to 8.35% varying by reset frequency of the loan. SBI revises MCLR rates on a monthly basis and benchmark its interest rates for home loan and other loans to MCLR rates of different tenor.

Compare Rates of Other Banks
Tenure wise MCLR SBI Rate Today
Overnight 7.80%
1 Month 7.80%
3 Month 7.85%
6 Month 8.00%
1 Year 8.15%
2 Year 8.25%
3 Year 8.35%
SBI Base Rate 8.70%

Base rate to be aligned to MCLR from 1st April 2018 – RBI in its monetary policy on 7th Feb 2018 has mandated that banks’ base rates be linked to MCLR rates. This will benefit SBI home loan and loan against property borrowers whose loans are linked to base rate. Any increase or decrease in SBI MCLR rates will now automatically be applicable to pre 2016 loans that are benchmarked to base rate. In its new monetary policy on 5th April 2018, RBI has kept repo rate unchanged at 6%.

Compare MCLR Base Rate Trend

SBI Interest Rates

SBI Interest Rates
Home Loan Interest Rates 8.35% * Floating Detail
Loan Against Property Rates 10.00% * Floating Detail
Personal Loan Interest Rates 12.50% to 16.60% Detail
Car Loan Interest Rates 9.05% to 9.10% Detail
Business Loan Interest Rates 11.20% to 16.30% Detail
Gold Loan Interest Rates 10.15% to 10.15% Detail
RD Interest Rates 5.75% to 6.75% Detail
Saving Account Interest Rates 3.50% to 4.00% Detail
Fixed Deposit Interest Rates 6.75% to 6.40% Detail

MCLR of SBI

SBI revises its MCLR rate on a monthly basis. Latest MCLR rates of SBI as announced on 01 May 2018 are:

  • Overnight MCLR Rate is 7.80%. The rate was last revised on 01 Feb 2018 to 7.80% from 7.70%
  • 1 Month MCLR Rate is 7.80%. The rate was last revised on 01 Nov 2017 to 7.80% from 7.85%
  • 3 Month MCLR Rate is 7.85%. The rate was last revised on 01 Nov 2017 to 7.85% from 7.90%
  • 6 Month MCLR Rate is 8.00%. The rate was last revised on 01 Feb 2018 to 8.00% from 7.90%
  • 1 Year MCLR Rate is 8.15%. The rate was last revised on 01 Feb 2018 to 8.15% from 7.95%
  • 2 Year MCLR Rate is 8.25%. The rate was last revised on 01 Feb 2018 to 8.25% from 8.05%
  • 3 Year MCLR Rate is 8.35%. The rate was last revised on 01 Feb 2018 to 8.35% from 8.10%

SBI MCLR Rate Trend

Date SBI MCLR
01st May 18 Overnight : 7.80%
1 Month : 7.80%
3 Month : 7.85%
6 Month : 8.00%
1 Year : 8.15%
2 Year : 8.25%
3 Year : 8.35%
01st Apr 18 Overnight : 7.80%
1 Month : 7.80%
3 Month : 7.85%
6 Month : 8.00%
1 Year : 8.15%
2 Year : 8.25%
3 Year : 8.35%
01st Mar 18 Overnight : 7.80%
1 Month : 7.80%
3 Month : 7.85%
6 Month : 8.00%
1 Year : 8.15%
2 Year : 8.25%
3 Year : 8.35%
01st Feb 18 Overnight : 7.80%
1 Month : 7.80%
3 Month : 7.85%
6 Month : 8.00%
1 Year : 8.15%
2 Year : 8.25%
3 Year : 8.35%
01st Jan 18 Overnight : 7.70%
1 Month : 7.80%
3 Month : 7.85%
6 Month : 7.90%
1 Year : 7.95%
2 Year : 8.05%
3 Year : 8.10%
01st Dec 17 Overnight : 7.70%
1 Month : 7.80%
3 Month : 7.85%
6 Month : 7.90%
1 Year : 7.95%
2 Year : 8.05%
3 Year : 8.10%
01st Nov 17 Overnight : 7.70%
1 Month : 7.80%
3 Month : 7.85%
6 Month : 7.90%
1 Year : 7.95%
2 Year : 8.05%
3 Year : 8.10%
01st Oct 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st Sep 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st Aug 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st Jul 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st Jun 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st May 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st Apr 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st Mar 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st Feb 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st Jan 17 Overnight : 7.75%
1 Month : 7.85%
3 Month : 7.90%
6 Month : 7.95%
1 Year : 8.00%
2 Year : 8.10%
3 Year : 8.15%
01st Dec 16 Overnight : 8.65%
1 Month : 8.75%
3 Month : 8.80%
6 Month : 8.85%
1 Year : 8.90%
2 Year : 9.00%
3 Year : 9.05%
01st Nov 16 Overnight : 8.65%
1 Month : 8.75%
3 Month : 8.80%
6 Month : 8.85%
1 Year : 8.90%
2 Year : 9.00%
3 Year : 9.05%
01st Oct 16 Overnight : 8.65%
1 Month : 8.75%
3 Month : 8.80%
6 Month : 8.85%
1 Year : 8.90%
2 Year : 9.00%
3 Year : 9.05%
01st Sep 16 Overnight : 8.85%
1 Month : 8.95%
3 Month : 9.00%
6 Month : 9.05%
1 Year : 9.10%
2 Year : 9.20%
3 Year : 9.25%
01st Aug 16 Overnight : 8.85%
1 Month : 8.95%
3 Month : 9.00%
6 Month : 9.05%
1 Year : 9.10%
2 Year : 9.20%
3 Year : 9.25%
01st Jul 16 Overnight : 8.90%
1 Month : 9.00%
3 Month : 9.05%
6 Month : 9.10%
1 Year : 9.15%
2 Year : 9.25%
3 Year : 9.30%
01st Jun 16 Overnight : 8.90%
1 Month : 9.00%
3 Month : 9.05%
6 Month : 9.10%
1 Year : 9.15%
2 Year : 9.25%
3 Year : 9.30%
01st May 16 Overnight : 8.90%
1 Month : 9.00%
3 Month : 9.05%
6 Month : 9.10%
1 Year : 9.15%
2 Year : 9.25%
3 Year : 9.30%
  • Effective 1st April 2016, SBI has been directed by RBI to fix its loan interest rates benchmarked to MCLR rate which is based on its marginal cost of funds. Earlier, the bank fixed its loan interest rates to Base Rate, which was based on total cost of funds of the bank. SBI MCLR rates for different tenors range from 7.80% to 8.35%.
  • RBI allows banks to set their own MCLR Rate based on their marginal cost of funds which means the cost of raising new funds for the bank. So, SBI decides and announces its MCLR rate regularly based on prescribed formula and policy rate changes by RBI in its monetary policy.
  • Note that the RBI does not decide the MCLR Rate of any bank. RBI only announces the repo rate, which influences the cost of raising new funds for the bank. Banks may or may not decide to change their MCLR rate in response to changes in the repo rate. For instance, SBI may decide to bring a lower cut in their MCLR rate compared to a Repo Rate cut. If RBI cuts the repo rate by 50 basis points or 0.5%, SBI may decide to cut its 1 Year MCLR rate only by 0.25% based on its internal funding and liquidity position. Hence, it is important to compare the MCLR rate change of SBI with that of RBI Repo Rate and MCLR Rate changes of other banks before taking a decision to take a loan from SBI.
  • MCLR rate can be revised by SBI every month. However, it is not mandatory for SBI to revise its rate every month and it may choose to retain the same rate for a longer period keeping them unchanged.

SBI Home Loan Interest Rate and MCLR

  • Every floating rate loan sanctioned by SBI is benchmarked to its MCLR Rate for a particular tenure, say 1 month or 3 month or 6 months.
  • Shorter duration loans such as cash credit, OD facility, personal loans are linked to short tenure MCLR rate while longer duration loans such as home loan, loan against property, vehicle loan are linked to longer duration MCLR rates.
  • The applicable rate of interest on a floating rate loan will consist of two parts – the applicable benchmark rate and the spread or margin above the benchmark.
  • Your loan from SBI will be repriced periodically depending upon the tenure of the MCLR to which it is linked. SBI home loan rate is benchmarked to 1 Year MCLR Base Rate which will be repriced after 1 Year. Say, you take a loan from SBI at current 1 Year MCLR rate of 8.15% plus spread of 20 bps. So, the loan will initially be priced at 8.35%. Its next re-pricing will be done after 1 Year from now. If the 3 Month MCLR rate after 1 Year increases by 10 bps, the loan will be priced at 8.45% for the next period.

 

 

Source by:-myloancare

How to download a copy of your Facebook data

facebook image

Taking control of your Facebook data starts with understanding just how much of your data is stored with Facebook. The social media service offers a self-help tool that gives you access to your entire trove of personal data. It’s actually a fairly simple process that lets you see all your photos, videos, friends, contact info, messages, apps, and quite a bit more that Facebook’s storing on its servers.

How to download a copy of your Facebook data

  1. On the web, visit the General Account Settings page.
  2. At the bottom of your General Account Settings, click Download a copy of your Facebook data.
  3. Click Start My Archive.
  4. Enter your password and click Submit to continue.

  5. Click Start My Archive to start the process of creating your Facebook archive.
  6. Click Okay.
  7. Wait for an e-mail or Facebook notification letting you know your Facebook archive is ready to download.
  8. Click Download Archive.

  9. Enter your password and click Submit to download your Facebook archive.

Your archive will download as a ZIP archive. Inside you’ll find four folders and an HTML page. Clicking on the HTML page will take you to a local representation of your Facebook archive. You can click on the links below your profile photo on the left to see everything Facebook is storing. If you’re wondering, yep, Timeline goes all the way back to the beginning. I cringed — younger me was so angsty.

Want to know what data you’ll be able to see in your Facebook archive? Here’s what Facebook says will be made available to you:

Data Type Description
About Me Information you added to the About section of your timeline like relationships, work, education, where you live and more. It includes any updates or changes you made in the past and what is currently in the About section of your timeline.
Account Status History The dates when your account was reactivated, deactivated, disabled or deleted.
Active Sessions All stored active sessions, including date, time, device, IP address, machine cookie and browser information.
Ads Clicked Dates, times and titles of ads clicked (limited retention period).
Address Your current address or any past addresses you had on your account.
Ad Topics A list of topics that you may be targeted against based on your stated likes, interests and other data you put in your timeline.
Alternate Name Any alternate names you have on your account (ex: a maiden name or a nickname).
Apps All of the apps you have added.
Birthday Visibility How your birthday appears on your timeline.
Chat A history of the conversations you’ve had on Facebook Chat (a complete history is available directly from your messages inbox).
Check-ins The places you’ve checked into.
Currency Your preferred currency on Facebook. If you use Facebook Payments, this will be used to display prices and charge your credit cards.
Current City The city you added to the About section of your timeline.
Date of Birth The date you added to Birthday in the About section of your timeline.
Education Any information you added to Education field in the About section of your timeline.
Emails Email addresses added to your account (even those you may have removed).
Events Events you’ve joined or been invited to.
Facial Recognition Data A unique number based on a comparison of the photos you’re tagged in. We use this data to help others tag you in photos.
Family Friends you’ve indicated are family members.
Favorite Quotes Information you’ve added to the Favorite Quotes section of the About section of your timeline.
Followers A list of people who follow you.
Friend Requests Pending sent and received friend requests.
Friends A list of your friends.
Gender The gender you added to the About section of your timeline.
Groups A list of groups you belong to on Facebook.
Hidden from News Feed Any friends, apps or pages you’ve hidden from your News Feed.
Hometown The place you added to hometown in the About section of your timeline.
IP Addresses A list of IP addresses where you’ve logged into your Facebook account (won’t include all historical IP addresses as they are deleted according to a retention schedule).
Locale The language you’ve selected to use Facebook in.
Logins IP address, date and time associated with logins to your Facebook account.
Logouts IP address, date and time associated with logouts from your Facebook account.
Messages Messages you’ve sent and received on Facebook. Note, if you’ve deleted a message it won’t be included in your download as it has been deleted from your account.
Name The name on your Facebook account.
Name Changes Any changes you’ve made to the original name you used when you signed up for Facebook.
Networks Networks (affiliations with schools or workplaces) that you belong to on Facebook.
Pages You Admin A list of pages you admin.
Pending Friend Requests Pending sent and received friend requests.
Phone Numbers Mobile phone numbers you’ve added to your account, including verified mobile numbers you’ve added for security purposes.
Photos Photos you’ve uploaded to your account.
Photos Metadata Any metadata that is transmitted with your uploaded photos.
Physical Tokens Badges you’ve added to your account.
Pokes A list of who’s poked you and who you’ve poked. Poke content from our mobile poke app is not included because it’s only available for a brief period of time. After the recipient has viewed the content it’s permanently deleted from our systems.
Political Views Any information you added to Political Views in the About section of timeline.
Posts by Others Anything posted to your timeline by someone else, like wall posts or links shared on your timeline by friends.
Recent Activities Actions you’ve taken and interactions you’ve recently had.
Registration Date The date you joined Facebook.
Religious Views The current information you added to Religious Views in the About section of your timeline.
Removed Friends People you’ve removed as friends.
Screen Names The screen names you’ve added to your account, and the service they’re associated with. You can also see if they’re hidden or visible on your account.
Spoken Languages The languages you added to Spoken Languages in the About section of your timeline.
Status Updates Any status updates you’ve posted.
Work Any current information you’ve added to Work in the About section of your timeline.
Videos Videos you’ve posted to your timeline.

Thoughts?

Do you think downloading your Facebook archive will be a good thing for you? Are you planning to keep using Facebook? Share your thoughts in the comments!

Source by:- imore

Here’s how you can get Samsung Galaxy Note 8 at a discount of Rs 10,000

samsung galaxy image

NEW DELHI: If you were planning to buy the Samsung Galaxy Note8 for quite some time, then this is the opportune time. The phablet has got a temporary price cut and along with that Paytm is also giving a cashback of Rs 10,000.

Samsung launched its flagship phablet Note 8 in India last year in September. The device was launched at Rs 67,900, the phablet has got a price drop of Rs 7,100. This means that you can buy the Samsung Galaxy Note 8 at Rs 59,900. In case you are purchasing the device from Paytm then you can get a cashback of Rs 10,000 which brings down the price of the device to 49,900. At this price point, Samsung Galaxy Note 8 is definitely a good buy. However, its a limited period offer and is valid on till May 31.

For those unaware, the Samsung Galaxy Note 8 sports a 6.3-inch Quad HD+ Super AMOLED ‘Infinity’ display with 2960×1440. The phablet is powered by an octa-core Qualcomm Snapdragon 835 processor and run Android 8.0 Oreo operating system.

The device offers 6GB of RAM and 64GB storage (only one variant available in India) which can be expanded further by adding a microSD card. The Galaxy Note 8 is the first device from the company to sport a dual-rear camera setup. The rear camera includes two 12MP sensors, while the first one is a wide angle lens with f/1.7 aperture, the secondary camera includes a telephoto zoom lens with f/2.4 aperture. The front is home to an 8MP selfie shooter with f/1.7 aperture.

The company claims that both the cameras at the rear end come with Optical Image Stabiliser. The camera also has a Dual Capture mode wherein both rear cameras take two pictures simultaneously. Moreover, the users can save both the images: One close-up shot from the telephoto lens and one wide-angle shot that show the entire background.

It has the company’s home-brewed Bixby digital assistant, rival to Apple Siri and Microsoft Cortana. The company claims that Bixby can do much more than its rivals, including being able to handle any smartphone-related task that is managed by touch.

Source by:- gadgetsnow

Fake voter ID cards: Parties point fingers at one another

voter id image

Cong committed many such sins: PM Modi
Referring to the voter ID cardsfound in a flat in RR Nagar, Prime Minister Narendra Modi expressed fears that Congressmay have created lakhs of fake voter ID cards to win this assembly election. “Beside these fake ID cards, a voter list containing lakhs of names was also found along with printers and computers. These belonged to those constituencies where voters strength is in lakhs. The impact of one lakh vote in a four lakh voter constituency is huge and the Congress was trying to do this. People must never forgive such a Congress government which is indulging in this kind of dangerous game of politics,” he said. Modi claimed two big steel boxes containing voter slips were also seized and said it is anybody’s guess how many such “paap” (sins) were committed by Congress. Union minister Prakash Javdekar demanded that the election commission“countermand” the RR Nagar polls. “The EC must ensure the owner of the building, Manjula Nanjamari, is arrested immediately and a detailed probe be undertaken,” he added. BJP spokesperson Sambit Patra claimed Manjula was a former BJP member and had nothing to do with the party now.

Probe Javadekar, Kumar role: Congress

Congress leader Randeep Singh Surjewala urged the EC to probe the role of Union ministers Prakash Javadekar and HN Ananth Kumar in the voter ID cards case. Describing the incident as a part of a concerted conspiracy by BJP to divert the attention of people, Surjewala urged the EC to file an FIR against BJP candidate from RR Nagar segment and also others involved in the fraud. Surjewala also said the EC should take note of Modi’s statement with regard to the voter ID cards. “It need to be examined as to how Modi has the knowledge of the entire issue and what is the role of BJP top leadership in the fraud,” he said.

JD(S) strongholds targeted: HD Kumaraswamy

JD(S) has lodged a request with the Election Commission to countermand RR Nagar election. Party spokesperson and MLC Ramesh Babu has claimed in the complaint that the incumbent MLA from the segment has 30,000 original and duplicate voter ID cards in his possession. Earlier, campaigning in Badami, party state president HD Kumaraswamy said that RR Nagar was not the only constituency seeing such large-scale fake voter ID cards and manipulations. “Wherever JD(S) is strong, such segments are witnessing manipulation. In Chamundeshwari, villages strongly in favour of JD(S) are being removed from the voters list in connivance with the returning officer. As many as 10,000 voters’ names from these villages have been deleted,” he said.

Source by:- timesofindia

LPG Price Slashed By Rs 100 In May, Claims Government

New Delhi: The Ministry of Petroleum and Natural Gas has stated that there has been a fall of around Rs 100 in the retail selling price of LPG (Liquefied Petroleum Gas) (non-subsidized price) at Delhi in the recent months.

The Ministry stated this in a statement after reports surfaced alleging the hike in LPG price in the recent months.

The Ministry clarified that the retail selling price of LPG (non-subsidised price) at Delhi has come down from Rs.747 in the month of December 2017 to Rs. 650.50 in the month of May 2018, which is a fall of Rs. 96.50.

It further asserted that the effective cost to the consumer after subsidy has also come down from Rs.495.69 in December 2017 to Rs.491.21 in May 2018.

Each house in the country is entitled to 12 LPG cylinders at subsidised rates in a year, which is called the subsidised LPG rates.

Requirements beyond that are to be purchased at market prices, which are known as non-subsidised LPG rates.

Source by:-mid-day

How to Know If your PAN Card Is Active Or Not

Government of India is taking strong steps towards eradicating fake Pan Cards in the country and now it is going to deactivate almost 11,44,211 PAN Cards by July 2018. It is an offense to carry more than one PAN number registered under his/her name.
Central Government has identified
several PAN cards registered under non-existing people who have given false information about themselves for PAN. Govt has released an official statement as ” The uniqueness of PAN is achieved by conducting a de-duplication check on all already existing allotted PAN against the data furnished by the new applicant. Under the existing system of PAN, only demographic data is captured”
Indian Citizen cannot hold more than one PAN. A penalty of Rs. 10,000 is liable to be imposed under section 272B of the Income-tax Act, 1961 for having more than one PAN. If a person has been allotted more than one PAN then he should immediately surrender the additional PAN card(s).
Government said it is important for everyone to check if their PAN CARD status is still active and has asked everyone to link their PAN Cards with the AADHAR Card before 31st Aug 2018.
How to Check your Pan Card Status – Steps here :-
  1. Log on to incometaxindiaefiling.gov.in
  2. In the Left-hand column, in the SERVICES tab click on ‘KNOW YOUR PAN’ option
  3. Once you click on the ‘know your pan’ option, it will land you in another page wherein you need to give your personal details- name, status, dob, contact nb
  4. You will receive an OTP on your mobile nb, you need to enter the OTP on the page you land to. Enter the OTP and hit ‘Validate’
  5. If there are more than one PAN cards registered with the details provided, you will see a pop message saying “There are multiple records for this query. Provide additional information.” Enter some more details such as your father’s name.
  6. If your PAN number is not duplicate, you will receive a message ACTIVE under Remarks column which means your PAN Card is still active.

 

Source by:-techiyogiz

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