Month: November 2016

How To Use Banking Without Internet

by Alex
offline-banking1Mobile banking has brought the bank account in your hand. Today, you can check bank-balance, get a mini statement and transfer fund through the mobile banking. But, what if you don’t have a smartphone or you don’t have the internet? The answer to this problem is the USSD based mobile banking. Just dial the *99# and see the magic. You can do all those things which are available to a person with smartphone and 3G data. Almost every bank including SBI, ICICI, HDFC, PNB, Axis and BOB support *99# USSD mobile banking service. 1. What is *99#? *99# is a USSD (Unstructured Supplementary Service Data) based mobile banking service from NPCI that brings together diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers). Using *99# service, a customer can access financial services by dialling *99# from his/her mobile registered with the bank. The service works across all GSM service providers and handsets. 2. What is USSD? Unstructured Supplementary Service Data (USSD) is a technology unique to GSM (Global System for Mobile Communications) handsets. It is a capability built into the GSM standard to support transmitting information over the signalling channels of the GSM network. USSD provides session based communication, enabling a variety of applications. USSD technology, which was primarily used in the field of telecommunication, is going to make a significant impact in the field of banking services. 3. What are the key features of *99# service?
  • Works without Internet – Uses voice connectivity
  • Accessible through a common code *99# across all TSPs
  • No additional charges while roaming for using the service
  • Works across all GSM service providers and mobile handsets
  • Round the clock availability to customers (works even on holidays)
  • No need to install any application on mobile handset to use the service
Additional channel for banking services and key catalyst for financial inclusion 4. What are the various services available under *99#? *99# service can be used by the customers for the following purposes: a) Financial b) Non-Financial c) Value Added Services (VAS) Currently, following Financial, Non-financial and Value Added Services (VAS) are offered through *99# service.offline-bank Financial Services
  • Fund Transfer using Mobile Number and MMID - User can transfer fund using MMID and Mobile number of the Beneficiary.
  • Fund Transfer using IFSC and Account Number - User can transfer fund using IFS Code and Account number of the Beneficiary.
  • Fund Transfer using Aadhaar Number - User can transfer fund using Aadhaar number of the Beneficiary. Non- Financial Services
  • Balance Enquiry - User can check available balance of the bank account linked to his/her mobile number.
  • Mini Statement - User can generate mini account statement for the bank account linked to his/her mobile number.
  • Know MMID* (Mobile Money Identifier) - User can know their MMID which was allotted to him/her by bank during mobile banking registration.
  • Generate MPIN - User can Generate or Set his/her MPIN. MPIN or Mobile PIN is like a password and used for authenticating financial transactions.
  • Change MPIN - User can change his/her MPIN. MPIN or Mobile PIN is like a password and used for authenticating financial transactions.
  • Generate OTP - User can generate One Time Password (OTP) which can be used for different transactions as a second factor of authentication. *MMID - Mobile Money Identifier is a 7 digits code allotted by the bank when user registers for mobile banking. Value Added Services:
Kindly refer FAQs for *99*99# service 5. How can a person use the *99# service? The service can be availed by dialing *99# from any GSM mobile phone. As a pre-requisite, the customer is required to register his/her mobile number with his bank for the mobile banking services. The customers already using mobile banking will be able to use this service without any additional registration by dialling *99# from their GSM mobile handset. The customers not registered for mobile banking service will have to contact their respective banks for mobile banking registration. 6. How can a person perform different type of transactions using *99# services? Non- Financial Services: Balance Enquiry: User can check available balance of the bank account linked to his/her mobile number. The transaction flow to do Balance Enquiry is as follows:
  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 1 for Balance Enquiry and submit.
  • A confirmation screen will appear displaying the available balance.
Mini Statement: User can generate mini account statement for the bank account linked his/her to mobile number. The transaction flow to generate Mini Statement is as follows:
  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 2 for Mini Statement and submit.
  • A confirmation screen will appear showing the mini-statement.
Know MMID: User can know their MMID which was allotted to him/her by bank during mobile banking registration. The transaction flow to know MMID is as follows:
  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 6 for Know Your MMID and submit.
  • A confirmation screen will appear displaying MMID linked to your account.
Change MPIN: User can change MPIN using this service. This is an additional security feature for financial transactions. The complete transaction flow to change MPIN is as follows:
  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 7 for Change MPIN and submit.
  • Enter old MPIN, new MPIN and confirm.
  • A confirmation screen will appear displaying change of MPIN successfully..
Generate OTP: User can generate One Time Password (OTP) which is used for different transactions as a second factor of authentication. The transaction flow to generate OTP is as follows:
  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter you bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 8 for Generate OTP and Submit.
  • Enter MPIN.
  • A confirmation screen will appear showing the OTP generated for your required action.
Financial Services: Fund Transfer using MMID and Mobile Number: User can transfer funds by using MMID and Mobile number of the Beneficiary. The transaction flow for the same is as follows:
  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 3 for Fund Transfer using MMID and Mobile Number and submit.
  • Subsequent screen to enter Beneficiary Mobile number, MMID, Amount and Remarks (Optional) will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response.
Fund Transfer using IFSC and Account Number: User can transfer funds by using IFS Code and Account Number of the Beneficiary. The transaction flow for funds transfer using Account Number and IFS Code is as follows:
  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 4 for Fund Transfer using Account Number and IFSC and submit.
  • Subsequent screen to enter Beneficiary Account Number, IFS Code, Amount and Remarks (Optional) will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response.
Fund Transfer using Aadhaar Number: User can transfer funds by using Aadhaar Number of the Beneficiary. The transaction flow for funds transfer using Aadhaar Number is as follows:
  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 5 for Fund Transfer using beneficiary Aadhaar number.
  • Subsequent screen to enter Beneficiary Aadhaar Number will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response.
Note: The above are the standard process, however for authentication, different banks may use additional security means such as:
  • Enter Last 4 digit of your Account number OR
  • Enter User Id Value Added Services:
Kindly refer FAQs for *99*99# service 7. Does the customer need to register his/her mobile number to avail *99# service? Yes. Customer is required to register the mobile number with his/her bank for using the *99# service. 8. Do TSPs (Telecom Service Providers) charge the customer for *99# service? Yes. TSPs charge the customer for using *99# service. Please contact your Telecom Service Provider to know the exact charges for using *99# service. However, TRAI (Telecom Regulatory Authority of India) has set a maximum ceiling of Rs. 1.50 / transaction for using the *99# service. 9. Is there any transaction limit set for the *99# service? The RBI guidelines for Mobile Banking Services has prescribed a ceiling of Rs. 5000 per transaction for financial transactions using *99# service. 10. Is the beneficiary customer also required to register for Mobile Banking services for receiving the funds using *99# service? No. Beneficiary is not required to register for receiving funds using Account Number / Aadhaar Number. However, beneficiary is required to register himself/herself with his/her bank for mobile banking services for receiving funds using Mobile Number & MMID. Beneficiary customer should approach his bank for getting MMID. 11. How many Banks and TSPs are currently offering *99# service? The list of Banks and TSPs offering *99# service is available under the link http://www.npci.org.in/pro_pb.aspx on NPCI website. 12. What happens if the mobile phone of the customer is lost? Customer need to inform his/her bank to deactivate Mobile banking services. Though, financial transactions using *99# service requires two factor authentication (registered Mobile no. and MPIN); customer should still inform his/her respective bank about the loss. 13. Is there a facility/option available to Stop/Cancel financial transactions initiated using *99# service? No. Since the *99# service uses IMPS channel which is an immediate fund transfer service; hence, it will not be possible to stop/cancel financial transaction after it has been initiated. 14. If I change my Mobile number, do I need to register again for the Mobile Banking? Yes. The customer needs to register his/her new mobile number with his/her bank for availing the mobile banking services on his new number. 15. What are the timings for initiating and receiving funds using *99# service? Fund transfer request can be initiated 24*7 (round the clock) using the *99# service including on holidays. Similarly, funds remitted using the *99# service can be received by the beneficiary 24*7 (round the clock). 16. What is MMID? MMID stands for Mobile Money Identifier. MMID is a 7 digit code issued by the bank to their customers for availing IMPS. MMID is issued to only to those customers whose preferred mobile number is registered with the bank. Different MMID’s can be linked to same Mobile Number (Please contact your bank for the issuance of MMID). 17. What is IFS Code? The Indian Financial System Code (IFSC) is an 11 digit alphanumeric code that uniquely identifies a bank-branch participating in the two main electronic funds settlement systems in India i.e. Real Time Gross Settlement (RTGS) and National Electronic Fund Transfer (NEFT) systems. IFS Code for different bank-branches is available on the respective bank’s website, Cheque book, RBI website, etc. 18. Whether *99# service is available both on GSM and CDMA handsets? No. *99# service is available only on GSM handsets. 19. Where can a customer register complaint w.r.t. *99# transaction? Customer can log following type of complaints faced while using *99# service:
  • Network related - With respective TSPs
  • Transaction related - With respective banks
20. What kind of issues are faced by the customer in using *99# service? While doing transactions on *99#, customers may face following issues:
  • Handset Compatibility Issue: Though USSD based transactions works across all GSM handsets; however, owning to various reasons, sometimes few handsets do not support USSD service. Though, the numbers of such handset models is few; still users are requested to check if there handset supports the USSD service (in case they are facing problems while performing transaction).
  • Technical Error or Declined Request: Transaction not getting completed due to network/connectivity issues at TSPs or Banks end.
  • Wrong User Inputs: Transaction will get declined if the user enters wrong information like IFS Code, Account number, MPIN etc.
21. Are there any tips for using *99# service?
  • Customer to register himself/herself with his/her respective bank for availing mobile banking service.
  • Keep information like Mobile number, MMID, IFS Code, Account number, Aadhaar number of the beneficiary and MPIN handy before initiating the transaction.
  • Before initiating any transaction, please make sure that the mobile phone is in network area/range.
USSD Codes Of Different Banks Is As Below:- * 99* 41# - State Bank of India * 99* 42# - Punjab National Bank * 99* 43# - HDFC Bank * 99* 44# - ICICI Bank * 99* 45# - AXIS Bank * 99* 46# - Canara Bank * 99* 47# - Bank Of India * 99* 48# - Bank of Baroda * 99* 49# - IDBI Bank * 99* 50# - Union Bank of India * 99* 51# - Central Bank of India * 99* 52# - India Overseas Bank * 99* 53# - Oriental Bank of Commerce * 99* 54# - Allahabad Bank * 99* 55# - Syndicate Bank * 99* 56# - UCO Bank * 99* 57# - Corporation Bank * 99* 58# - Indian Bank * 99* 59# - Andhra Bank * 99* 60# - State Bank Of Hyderabad * 99* 61# - Bank of Maharashtra * 99* 62# - State Bank of Patiala * 99* 63# - United Bank of India * 99* 64# - Vijaya Bank * 99* 65# - Dena Bank * 99* 66# - Yes Bank * 99* 67# - State Bank of Travancore * 99* 68# - Kotak Mahindra Bank * 99* 69# - IndusInd Bank * 99* 70# - State Bank of Bikaner and Jaipur * 99* 71# - Punjab and Sind Bank * 99* 72# - Federal Bank * 99* 73# - State Bank of Mysore * 99* 74# - Sout vch Indian Bank * 99* 75# - Karur Vysya Bank * 99* 76# - Karnataka Bank * 99* 77# - Tamilnad Mercantile Bank * 99* 78# - DCB Bank * 99* 79# - Ratnakar Bank * 99* 80# - Nainital Bank * 99* 81# - Janata Sahakari Bank * 99* 82# - Mehsana Urban Co-Operative Bank * 99* 83# - NKGSB Bank * 99* 84# - Saraswat Bank * 99* 85# - Apna Sahakari Bank * 99* 86# - Bhartiya Mahila Bank * 99* 87# - Abhyudaya Co-Operative Bank * 99* 88# - Punjab & Maharashtra Co-operative Bank * 99* 89# - Hasti Co-Operative Bank * 99* 90# - Gujarat State Co-Operative Bank * 99* 91# - Kalupur Commercial Co-Operative Bank.

6 Hidden Features Of todays daily computing which you may not know

by Alex
hidden-featuresDropbox (and BitTorrent) Sometimes, two unrelated software come together to provide some highly useful functionality. And in this example we have Dropbox and BitTorrent doing that. In a situation, where you would like to schedule a torrent remotely, you may not want to or be able to use a third party tool or even a supported remote scheduling feature for various reasons. In such a situation, a combination of Dropbox and BitTorrent can come in very handy. If you’re familiar with the Dropbox, you would know that it syncs all your files within Dropbox on all your systems including a desktop, a smartphone and more. So, within Dropbox, create a folder for your torrents.dropbox On your desktop, open the Bittorent client of your choice (most likely to be uTorrent) and go to Options->Preferences->Directories. Under the ‘Location of .torrents’ section, check the box next to ‘Automatically load .torrents from’ and then browse the directories to choose the torrents folder under the Dropbox folder on your system. Now, whenever you add a file to the torrent folder in your Dropbox, the same file will appear on the same folder on your desktop. As a result, it will be added and started on your Bittorrent client. This scheduling feature is very useful if you’re already a Dropbox user and are familiar with how it works. Even otherwise, this is a handy way to get a download done almost right after it comes out. WinZip and other file extractors Sometimes, you need to extract images from a word document. For example, when a colleague sends images, meant to be sent separately, as part of the document. In such a situation take advantage of a really useful hidden feature in WinZip. winzip First, make sure that the Word file is a .docx file. If it is not, then open it in MS Word and save it as a .docx file. Once you have the .docx file, rename it to change the extension to .zip. Now right click on your file, whose icon has changed to a WinZip archive, and extract the contents wherever you need them. The contents here are some folders. Under word->media you can find all the images contained by the original Word document. It's almost as if WinZip (or MS Word) deliberately has this trick hidden up its sleeve waiting for a better day to reveal it. WhatsApp WhatsApp has a mechanism to bookmark messages by starring them in any chat.whatsapp To do that, first, open a chat and go to the message that you want to bookmark. Now touch and hold that message till it gets selected. Then tap on the star icon in the header that appeared upon selection. This 'star’s the message. To navigate to it next time, open the chat and tap the three dots on the upper right. Then open ‘View contact’ – 'Starred messages’. Here, you can see the starred messages and tap on them to navigate to their position in that chat. WhatsApp’s blue ticks let you see if your message has been read. Along with that, WhatsApp also lets you know the exact time when it has been read. In an individual chat, long touch on any sent message, and then tap on the 'i’ icon. You will see the exact delivery and reading time. In a group chat the same information is shown for each member. As in, who has read it when, and if they haven't, when it was delivered to them. Google keyboard (or any additional keyboard) Autocorrect and dictionary suggestions have made life a lot easier for us. In fact, it's probably these two features that have driven texting to the cultural phenomenon that it is now. And yet, there are features that we aren't really using. For example, haven't you ever wished for a handy way to enter frequently used longer pieces of text using a shortcut from your smartphone keyboard? Guess what – there is a perfectly normal way to do that.google-keyboard Take Google keyboard as the keyboard here. Go to Settings>Language and Input>Google Keyboard to open Google keyboard settings. Once there, open Dictionary>Personal Dictionary and select the language within Google keyboard that you want to enable the shortcut for. Then, in the screen that opens, hit the ‘+’ icon and type your word along with the intended shortcut. Currently the word/phrase length here is limited to 48 characters. Once you're done, every time you type the shortcut, your original text will appear as a suggestion for it. This could be your email ID, a particular number combination or even a frequently used email signoff. YouTube The video sharing platform has some rarely used features.youtube If you want to skip to a general area in the video, YouTube lets you do so with the number keys on your keyboard. Keys from 1 to 9 take you from 10% to 90% of the video respectively, while ‘0’ quite obviously takes you to the beginning of the video. But in case you want this to be more specific, there is another way to go about that. At the end of the URL for the video, add #t= where is any specific value of time within the length of the video, for example 1m or 3m23s. Then press enter to seek to that point on the video directly. If you enter a value greater than the length of the video, you are greeted by the end of the video! This feature is very useful for situations where you want to share a specific portion of the video without sharing what comes before it. Also, right clicking on the video and clicking ‘Copy video URL at current time’ does the same thing. Gmail These days almost every website, regardless of its product or service, requires you to sign up with them to avail the same. If you are one of the patient ones and don’t share your social network login, you inadvertently sign up with your email ID. Now this is all well and good when the website is ‘trusted’. But in most cases, your email ID becomes part of a massive database that pretty much becomes a shared resource among various companies and voila! You now have truckloads of fresh spam.gmail Detecting spam is a major issue and this one solves that. A specific feature in Gmail allows you to detect the data leaking traitor behind each spam email. When you sign up with your email ID, e.g. name@gmail.com, just add a suffix after the ID and before the ‘@’ symbol, e.g. name+SUFFIX@gmail.com. This does not change the email’s destination and it still lands up in your inbox, but a quick check in the address fields will show you that the email was sent to the ID including the suffix. Now, when this ID is shared to an unknown company that sends you spam, you can quickly look at the address fields to know which service shared your email ID and take appropriate action against them. If you haven’t done it already, make it a habit now!

Hyve Mobile Customer Care/Service Center/Helpline Contact Details

by Alex
hyveHyve Mobiles Named after the structure that inspired the founders, Hyve has been carefully crafted to harness the power of collective thinking and wield it to everyone's benefit. A team forged from committed doers across all work profiles, Hyve is where simplicity meets artistry. This is where you have the pure, uncompromised power of Stock Android housed in two phones that marry form and function perfectly. At Hyve, they believe in crushing clich's, which is why they won't say that they want to provide ‘Customer Delight’. Instead, they will go out there and deliver it. From their buying process to the actual user experience of the phone, they are striving to give you an experience that will, delight you. And like you'd expect from a Hyve, they re going to sweeten the deal like nobody has done before - with Hyve Care™. Simply put, this is a revolutionary new warranty that offers not only extended manufacturer's warranties and hassle-free insurance, but also pick up and drop service across India! Hyve is proud to present Pryme, a phone designed in India and designed to wow the world. Conceived by a team of committed doers across all work profiles and experiences, Hyve wants to redefine the way people use their Android devices. And by giving India her first Deca Core flagship phone with Pryme, they have taken their next step in that direction. Enjoy the power of India’s first Deca-Core processor phone. The Pryme comes powered by the new MediaTek Helio X20, the world’s first mobile processor with Tri-Cluster CPU architecture and ten processing cores (Deca-core). The ten cores are divided into three clusters, which them assigns tasks to the clusters depending on their processing need. Thus, simple tasks like messaging get only the lower cores while demanding tasks like gaming get all ten cores. This allows for a quicker performance that maximises battery performance, too. Hyve Mobile Customer Care/Service Center/Helpline Contact Details:- Hyve Mobile Customer Care Helpline Number:- 1800-121-4983(9 AM to 6PM) Hyve mobile Customer Care Helpline Email ID:- care@hyve.buzz To Get Hyve Mobile Warranty Follow the Below Steps:- 1. Click on the notification icon or locate the Hyve Care icon in app drawer, which will open the Hyve Care app 2. Enter your name and phone number. Then, click on “NEXT” at the bottom right corner. 3. This will register your device and add it in the Hyve care Device list. 4. You can now check your device in the list Click on Menu button at top left corner > My Devices. 5. First, register your device by following the process detailed above. Then, click on your device in the Device list. Then, Click on “Request Service” button at the bottom. 6. Confirm your phone number and an OTP will be sent to your number. 7. Confirm the OTP number and add an optional email address and. Click on “NEXT“ button at bottom right corner. Then, select/enter device problems and enter your address. Their customer care centre will contact you and pick the device from your address.

Everything You Need To Exchange/Change/Submit Your 500 Or 1000 Rs. Note

by Alex
rbiWhy this scheme? The incidence of fake Indian currency notes in higher denomination has increased. For ordinary persons, the fake notes look similar to genuine notes, even though no security feature has been copied. The fake notes are used for antinational and illegal activities. High denomination notes have been misused by terrorists and for hoarding black money. India remains a cash based economy hence the circulation of Fake Indian Currency Notes continues to be a menace. In order to contain the rising incidence of fake notes and black money, the scheme to withdraw has been introduced. What is this scheme? The legal tender character of the notes in denominations of Rs 500 and Rs1000 stands withdrawn. In consequence thereof withdrawn old high denomination (OHD) notes cannot be used for transacting business and/or store of value for future usage. The OHD notes can be exchanged for value at any of the 19 offices of the Reserve Bank of India or at any of the bank branches or at any Head Post Office or Sub-Post Office. How much value will I get? You will get value for the entire volume of notes tendered at the bank branches / RBI offices. Can I get all in cash? No. You will get upto Rs 4000 per person in cash irrespective of the size of tender and anything over and above that will be receivable by way of credit to bank account. Why I cannot get the entire amount in cash when I have surrendered everything in cash? The Scheme of withdrawal of old high denomination(OHD) notes does not provide for it, given its objectives. Rs 4000 cash is insufficient for my need. What to do? You can use balances in bank accounts to pay for other requirements by cheque or through electronic means of payments such as Internet banking, mobile wallets, IMPS, credit/debit cards etc. What if I don't have any bank account? You can always open a bank account by approaching a bank branch with necessary documents required for fulfilling the KYC requirements. What if, if I have only JDY account? A JDY account holder can avail the exchange facility subject to the caps and other laid down limits in accord with norms and procedures. Where can I go to exchange the notes? The exchange facility is available at all Issue Offices of RBI and branches of commercial banks/RRBS/UCBs/State Co-op banks or at any Head Post Office or Sub-Post Office. Need I go to my bank branch only? For exchange upto 4000 in cash you may go to any bank branch with valid identity proof. For exchange over 4000, which will be accorded through credit to Bank account only, you may go to the branch where you have an account or to any other branch of the same bank. In case you want to go to a branch of any other bank where you are not maintaining an account, you will have to furnish valid identity proof and bank account details required for electronic fund transfer to your account. Can I go to any branch of my bank? Yes you can go to any branch of your bank. Can I go to any branch of any other bank? Yes, you can go to any branch of any other bank. In that case you have to furnish valid identity proof for exchange in cash; both valid identity proof and bank account details will be required for electronic fund transfer in case the amount to be exchanged exceeds Rs 4000 I have no account but my relative / friend has an account, can I get my notes exchanged into that account? Yes, you can do that if the account holder relative/friend etc gives you permission in writing. While exchanging, you should provide to the bank, evidence of permission given by the account holder and your valid identity proof. Should I go to bank personally or can I send the notes through my representative? Personal visit to the branch is preferable. In case it is not possible for you to visit the branch you may send your representative with an express mandate i.e. a written authorisation. The representative should produce authority letter and his / her valid identity proof while tendering the notes. Can I withdraw from ATM? It may take a while for the banks to recalibrate their ATMs. Once the ATMs are functional, you can withdraw from ATMs upto a maximum of Rs.2,000/- per card per day upto 18th November, 2016. The limit will be raised to Rs.4000/- per day per card from 19th November 2016 onwards. Can I withdraw cash against cheque? Yes, you can withdraw cash against withdrawal slip or cheque subject to ceiling of Rs10,000/- in a day within an overall limit of Rs.20,000/- in a week (including withdrawals from ATMs) for the first fortnight i.e. upto 24th November 2016. Can I deposit withdrawn notes through ATMs, Cash Deposit Machine or cash Recycler? Yes, OHD notes can be deposited in Cash Deposits machines / Cash Recyclers. Can I make use of electronic (NEFT/RTGS /IMPS/ Internet Banking / Mobile banking etc.) mode? You can use NEFT/RTGS/IMPS/Internet Banking/Mobile Banking or any other electronic/ non-cash mode of payment. How much time do I have to exchange the notes? The scheme closes on 30th December 2016. The OHD banknotes can be exchanged at branches of commercial banks, Regional Rural Banks, Urban Cooperative banks, State Cooperative Banks and RBI till 30th December 2016. For those who are unable to exchange their Old High Denomination Banknotes on or before December 30, 2016, an opportunity will be given to them to do so at specified offices of the RBI, along with necessary documents as may be specified by the Reserve Bank of India. I am right now not in India, what should I do? If you have OHD banknotes in India, you may authorise in writing enabling another person in India to deposit the notes into your bank account. The person so authorised has to come to the bank branch with the OHD banknotes, the authority letter given by you and a valid identity proof (Valid Identity proof is any of the following: Aadhaar Card, Driving License, Voter ID Card, Pass Port, NREGA Card, PAN Card, Identity Card Issued by Government Department, Public Sector Unit to its Staff) I am an NRI and hold NRO account, can the exchange value be deposited in my account? Yes, you can deposit the OHD banknotes to your NRO account. I am a foreign tourist, I have these notes. What should I do? You can purchase foreign exchange equivalent to Rs 5000 using these OHD notes at airport exchange counters within 72 hours after the notification, provided you present proof of purchasing the OHD notes. I have emergency needs of cash (hospitalisation, travel, life saving medicines) then what I should do? You can use the OHD notes for paying for your hospitalisation charges at government hospitals, for purchasing bus tickets at government bus stands for travel by state government or state PSU buses, train tickets at railway stations, and air tickets at airports, within 72 hours after the notification. What is proof of identity? Valid Identity proof is any of the following: Aadhaar Card, Driving License, Voter ID Card, Pass Port, NREGA Card, PAN Card, Identity Card Issued by Government Department, Public Sector Unit to its Staff. RBI starts helpline number for citizens who may face any difficulties. Citizens can reach out to RBI on 022-22602201 & 022-22602944

How To Check Authenticity Of Any URL/Website

by Alex
scamBeing a victim of a scam is never a pleasant experience. Follow these simple guidelines to protect yourself online and create the best possible shopping experience. If the site you’re viewing feels suspicious, take a moment to research and investigate it before making a purchasing decision. How To check that URL/Website is fake/fraud or ok? 1. Before checking name of any website, first look for the domain extension i.e .com, .org, .co.in, .net, .in etc. The name just before extension is the DOMAIN NAME of the website. Eg: www.domainname.com E.g., in http://amazon.diwali-festivals.com, the word before .com is "diwali-festivals" (and NOT "amazon"). AMAZON word is seperated with ( . ) dot So, this webpage does not belong to amazon.com, but it belongs to "diwali-festivals.com", which most of us haven't heard of before. You can similarly check for fraudulent (so-called) banking websites. Before your e-banking login, make sure that the name just before ".com" is the name of your bank. Eg: "something.icicibank.com" belongs to +ICICI*, but "icicibank.something.com" belongs to something and not icicibank. "icicibank.com.nu" belongs to "com"! 2. There can also be a typo in domain done purposly to confuse user to do phishing. Eg: www.facebookk.com or faceb00k.com does not relates to facebook.com 3. Nowdays you may have also seen various spam messages forwarded by users claiming to get free mobile or mobile phone at Rs.250/- or Free Talktime etc. Before attempting to forward such messages, always check for domain name and website. Inputing data and doing some task as said on their website may result in your smartphone infected by some malware. There are several scripts present on such website which may be executed. So Beware and dont fall in such trap. There is nothing FREE in this world. 4. Also please check before downloading apk or android apps for smartphone. http://googleplay.com/store/apps/com.ife.google Does not belongs to Google, it belongs to googleplay.com which is not owned by Google. But http://play.google.com/store/apps/com.ife.google belongs to Google. Many Times you got messages regarding deals or free products on whatsapp/facebook which are actualy scams so you can check those links accordingly. You can check authenticity of any website/URL  here or here

Nirlep Kitchen Appliances Customer Care/Service Center Contact Details

by Alex
nirlepNirlep Nirlep Appliances Private Limited established in 1968, marked the launch of Non-Stick technology in the history of Indian kitchens. Today, with many years of experience and production of more than 12 million pans, is a synonymous brand and the most preferred name for non-stick cookware in Indian as well as global markets. Nirlep signifies non-stick in Sanskrit and its strength lies in deep understanding of diverse Indian cooking habits, intrinsic value of being user friendly and its devotion towards revolutionizing kitchens with quality and innovative products. Being first itself is Nirlep’s second nature and has many distinctions to its credit when it comes to being the technological guru for non stick cookware in India: 1st company to produce non stick cookware in India 1st and the only Indian company to export non-stick technology. 1st to develop state of art nonstick coating with in-house expertise 1st to export professional non-stick pans to discerning European markets Nirlep’s non-stick represents India’s modern and future cookware and has witnessed notable developments over the last year. To name a few, Nirlep completely revamped its brand identity, giving it a young and fresh look making it lively with today’s generation. 12th December 2010 marked the inauguration of a fully automatic ultramodern manufacturing unit to meet the ever increasing needs of non-stick products. And now, probably is the only company, to produce induction compatible cookware in India. With international certifications of ISO 9001:2008, domestic ISI and many other multinational customer certifications, Nirlep promises quality so strong that it outlasts competition. Besides, innovative marketing strategies, creative advertising and sales promotion activities, effective market segmentation and a strong country wide distribution is what makes Nirlep the leader for non-stick products. All marketing activities are well supported through a strong manufacturing foothold with R & D labs, quality control facilities and reverse integration processes thereby ensuring assured supply of aluminum, injection molded Bakelite handles and paints / coatings. All Nirlep products conform to European and International standards for cookware and are widely distributed across the country through more than 100 area distributors and 12000 cookware retailers. With a comprehensive kitchen solutions range to choose from non stick, pressure cookers, gas stoves, induction cook tops at convenient price points of Rs. 180 up to 7645; Nirlep products are most preferred by India’s modern retailers. Also, thanks to a strong e-commerce presence and dedicated institutional sales team that Nirlep products have gained significant popularity amongst Corporate Gifting sector and makes them the preferred choice of gift. Nirlep Kitchen Appliances Customer Care/Service Center Contact Details Nirlep Kitchen Appliances Customer Care Helpline Number:-+91 240 2374899 / 2374817 Nirlep Kitchen Appliances Customer Care Helpline Email ID:-consumercare@nirlep.com You Can Contact Nirlep here