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The Micro, Small and Medium Enterprises (MSMEs) employ more than 111 million individuals and contribute 31% to India’s GDP. To boost the growth of MSMEs and to provide them with adequate funds for investments, the Government of India has launched various schemes. One such MSME loan scheme is the MUDRA Yojana and Credit Guarantee Funds Trust for Micro and Small Enterprises, which provides financial assistance to entrepreneurs.

Given below are some of the details of such schemes:

Pradhan Mantri Mudra Yojana (PMMY)

This Yojana came into effect on 8^thApril and aimed to provide collateral-free loans to the MSMEs in India. The amount provided under this MSME loan scheme is up to Rs. 10 Lakh with a tenor of 5 years.

Required documents

The documents required for a business loan under this scheme are:

• Residency proof – like water bills, gas bills, electricity bills, telephone bills, etc.

• KYC documents –such as Aadhaar card, PAN card, Voter ID, passport, driving license, etc.

• Business address proof –like electricity bills, rental agreements, etc.

• Business existence proof –such as GST registration certificates, SEBI registration certificates, partnership deeds, etc.

In addition, applicants have to submit their passport-sized photographs. Those belonging to the SC, ST or OBC category have to furnish their caste certificates along with the above mentioned documents.

Application process

The application process is as follows:

1. Visit the official website and download an application form

2. Fill the application form with the necessary details such as name, contact number, date of birth, address, parents’ name, annual income, etc.

3. Search for a lender providing loans under this scheme and complete all the formalities of that lender.

4. After the documents are verified, the loan amount will be sanctioned and disbursed accordingly.

In addition to the above, applicants should hold a healthy credit score, and their firm should be registered under GST. You can register for GST online by providing your Aadhaar details and a contact number.

Under this scheme, there are three types of loans:

• Shishu – Loans up to Rs. 50,000 under this loan.

• Kishor –Loans between Rs. 50,000 and Rs. 5 Lakh.

• Tarun –Loans between Rs. 5 Lakh and Rs. 10 Lakh.

However, if the mentioned amount does not feed your professional purpose, you can avail loans with a higher amount from financial institutions and NBFCs.

Credit Guarantee Fund Trust

The Credit Guarantee Fund Trust for Micro and Small Enterprises, also known as CGTMSE scheme came into effect in 2000. Under this scheme, applicants are eligible to avail advances up to Rs. 2 Crore. A substantial loan amount and affordable interest rates are some of the reasons why business loans are financially beneficial for your organisation.

To avail such guaranteed credits, applicants are required to pay a minimal amount as service charges and annual fee. These charges are payable at a rate from 0.75% to 1.5% depending on the location and applicant’s profile.

Individuals can avail loans under the CGTMSE scheme by approaching financial institutions and NBFCs offering such loans. They will also have to provide a feasible business plan to their lender. After the formalities are completed, your lender will sanction the amount, and the sum will be disbursed accordingly. Borrowers should also hold an ideal credit score when applying for loans under the Credit Guarantee Funds Trust scheme.

Besides the above, the MSME loan scheme provides credits at an affordable interest rate. For example, the MUDRA loan scheme can be availed at an interest rate ranging anywhere between 8.40% and 12.45% based on the applicant’s financial profile.

Find below the list of documents required for applying home loan for the borrowers purchasing a resale property either residential or commercial.

The document check list is divided into three parts: –

Best Home Loan Providers
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I) Checklist for home loan sanction,

II) Documents required for legal and technical

III) Document checklist for home loan

I) LIST OF DOCUMENTS REQUIRED FOR HOME LOAN SANCTION PROCESS

1) Applicant and Co-Applicant’s photograph.

2) Applicant and Co-Applicant’s pan card copy.

3) Applicant and Co-Applicant’s residence proof electric bill & adhar card copy.

4) Latest 4 months salary slips.

5) Latest 6 months bank account statements.

6) Latest 2 years Form 16.

7) Latest 1 year bonus copy.

8) If receiving rental income – registered rental agreement copy & 12 months rental credit statement.

9) One cheque favoring bank name towards the processing fees from the salary account.

II)LEGAL &TECHNICAL DOCUMENT CHECKLIST

1) Copy of Prior chains of agreement.

2) Draft agreement copy.

3) OC-Occupancy certificate/CC (completion certificate) + approved Plan copy of the project.

4) Copy of Share certificate.

5) Copy of society registration certificate.

6) Latest copy of property maintenance bill.

III) DOCUMENT CHECKLIST FOR HOME LOAN DISBURSEMENT PROCESS.

1) Original copy of prior chain of agreement with stamp duty duly paid & registration done along-with index 2 and Occupancy Certificate.

2) OCR clearance. (Own contribution –requires bank statement details & OCR Source to be confirmed through Email to bank/NBFC).

3) Original Copy of share certificate if issued. (Both- front & back side)

4) Docket kit duly signed.

5) Payment of franking amount of 0.20%.

5) Copy of Resale affidavit agreement to be notarized.

6) 7-Security mandate cheques in favor of BANK.

7) NOC from society duly signed by both Chairmen as well as Secretary of the society.

8) Seller Details & Documentation – Seller’s self attested pan card copy,  aadhaar card copy & 3 months bank account statement along with bank’s format of Seller Verification duly signed. All documents must be self attested.

9) Any other documents as required by the Legal report of the bank.

10) Any other documents required as per the sanction condition & as demanded by the banks/NBFC’s credit managers.

11) Administration Fess –clearance by cheque or DD-demand draft

12) Facility agreement franking of Rs.610/-

13) Details of society secretary & chairmen- name & Contact number for verifying the Society NOC.

14) Latest Property tax receipt copy.

15) Copy of Society registration.

16) Copy of mortgage intimation.

17) If the case is Seller BT Case – Seller BT KIT duly franked must be signed by the borrower. (Seller BT- seller who has taken home loan on the property he is selling).

18) If Seller BT – copy of Original LOD (list of document) & foreclosure letter is mandatory.

19) Copy of tri-party agreement & lease agreement in CIDICO/ MHADA property

20) Copy of conveyance deed if the property is a CIDICO/ MHADA property where conveyance deed has been executed.

21) CIDICO/ MHADA NOC & transfer letter is required if conveyance deed is executed.

Indian Golden Triangle could be explored in many ways by train, car and also a luxurious tour could be enjoyed by a private charter plane. Be it by rail, road or air each journey has its own essence and fun.

The three major cities Delhi, Jaipur and Agra has some of the greatest architectural wonders of the world.

In the article below you’ll find some of the best places of Indian Golden Triangle, detailed journey and best time to visit the Golden Triangle of India by various means. 

Enjoy the Trip to Indian Golden Triangle by Train

Trip to Indian Golden Triangle by Car

Trip to Indian Golden Triangle by Air (Private Charter Flight)

So, these were the details of the journey to the Golden Triangle of India by Train, Car, and Air. Choose the means of travel according to your budget and time.

Also make sure to book the Car, Charter Plane or the tickets of the Train a few months before the trip.

Enjoy your tour to the Golden Triangle of India and share your experience in the comment section below.

You have completed your whole syllabus by doing study day and night. You have done all the work related to studies and completed it. But if you don’t have to admit card it’s all wasted because with it there is no entry from the gate only, the examination hall is way too far away. 

How to Download CA Foundation Nov 2019 Admit Card?

Step 1: Go to the ICAI’s students’ portal at icaiexam.icai.org to download the admit card.

Step 2: The page opens directly to the Login/registration page. For downloading admit card, log in with your credentials like the User Id, Password and then Enter the Captcha shown below, then choose “Log in”. In case you do not remember the password then select “Forgot Password”, enter your registered email Id and reset the password using the link sent to your said email Id.

Step 3: You are now signed in to your account, the dashboard of your account has two sections. To the left, your credentials will be shown and to the right, under “Apply and Track your Application”, the “Admit Card” link will be available to you, as shown with an arrow in the below image. Follow the “View” button in front of the admit card to go to the CA foundation 2020 hall ticket.

Step 4: After going to the admit card, either take the printout by clicking the “Print” option or save it now in the system and take the printout later, without fail. Admit Card is the single most important document you have to carry to the exam hall, without which the entry to exam hall will be denied.

Details Given On the CA Foundation 2019 Admit Card?

1. Candidate’s name
2. Candidate’s signature and photograph
3. Candidate’s registration number or roll number
4. Medium of exam
5. Allotted Ca Foundation exam center’s name and address.

If there is any problem related to your admit card- 

Helpline desk:-

Helpline Number:- 01203054851 

Other Extensions:- 852/853/854/835

MAil Address:-icaiexam.icai.org

Hip fractures are a common occurrence, especially with the elderly members of the family. Older adults have a higher risk of hip fractures as their bones are not as strong as they were before. Their bones are very brittle because of age, and even a small fall may cause a hip fracture with extreme pain. As you can understand, a hip fracture is a very painful ordeal. The elderly must also have a chance not to feel so much pain, that is why advanced medical science has made it possible to perform hip replacements on the elderly, even 80-year-old people and 90-year-old people without affecting their health in any possible way.

The reason as to why hip replacement is preferred to treat hip fractures, especially in the elderly is because, at that age, there is very little possibility that the hip bone will heal after some serious trauma. The advanced age makes the complete healing procedure by the body a very distant dream. This is why doctors prefer to have hip replacement surgery. A hip replacement will allow the patient to get up and start walking the very next day of the surgery. Hip fracture recovery without surgery is often a tough solution for some people, and they should choose the surgical option.

The great thing about hip replacement surgery is that there are no weight or age restrictions that are in place for a patient who is looking for a hip replacement surgery. As long as the patient is in good health, he or she can go through with the hip replacement surgery without any worry. Perfect proof of this is hip surgery are the ones that are carried out in patients who are 90 years old!

Hip fractures can also happen in young people who are leading a very active lifestyle and are playing tough sports like basketball or wrestling. Young adults usually prefer hip replacement surgery as the surgery implant material has a very long life that can last decades and can give extensive relief.

Who are the best candidates for hip replacement surgery

There are very few medical conditions that warrant a hip replacement surgery to be performed. Some of the conditions are mentioned below:

• Hip fractures that the doctor feels will not heal by itself and hence a hip replacement surgery is recommended.
• Osteoarthritis is a condition that is caused due to the age of the patient and the wear and tear that is associated with the hip joint. The older the patient, the more the wear and tear that is present and the larger the risk of osteoarthritis in the body.
• Avascular necrosis is a condition where the blood supply to the knee joint is cut off or limited because of trauma or any other environmental condition. As a result of this condition, the surface of the knee joint will collapse, and a knee replacement is inevitable. The hip replacement surgery cost in India is very affordable and can be performed if the patient has avascular necrosis.
• Childhood hip disease is also a condition that may require the patient to undergo a hip replacement. Some children are born with deformities in the hip joint that may cause a lot of pain later on when they reach adulthood. To deal with the pain, hip replacement surgery may become necessary to avert any further health problem.

Two compounds are derived from cannabis named as CBD and TCL. All the materials which are intoxicated and are not good for health go with TCL. Whereas, those ingredients having benefits for health, plants, medicines come in custom CBD boxes. If you are a cannabis tincture dealer then you must know about the importance of having good packaging for your product. The boxes which are used for the packaging of the tincture bottle came in various designs, shapes, sizes, coatings, embossing, foils, windows, printing and many other available options. Moreover, the safety of cannabis bottles is very necessary. Therefore, to keep them safe from any outside damage they must be packed in cannabis tincture boxes.  Designing a perfectly printed box with appealing artwork and striking color contrast helps to make them more enchanting for customers.

Furthermore, product description and ingredient mentioned on boxes while manufacturing them helps the consumer to know about the product inside the box. You need to show as much creativeness as you can while you are designing the boxes for this product. However, Various companies are providing high-end printing and customization techniques to satisfy their clients and grab the market by providing quality boxes.

Material for Cannabis tincture boxes

A variety of options are available for making these boxes.

• Cardboard
• Cardstock
• Kraft

The material used in the making of these custom printed boxes with logo is mostly hard and sturdy to provide more protection to the item packed in it. However, the most commonly used material is cardstock. But if you want boxes for shipment purposes then you must go with corrugated material. It is mostly used for transportation purposes. In order to deal with environmental issues, Kraft material is used. However, Kraft is the eco-friendliest material. It is 100% biodegradable.

Printing and coating options

In addition, any information related to the product can be printed on the boxes. This will help your customers to understand the product. Moreover, you can add logos and ingredients of your product to the boxes too. You can also add the image of your product on your box.

Printing came in two color schemes. Either you can go with CMYK and PMS. CMYK is cheap as compared to PMS.  But more color options are available in PMS ang gives more exact printing colors.

However, to give your box a complete look different coating is done. To give your box shinier and glowy look gloss coating is done. If you want to go with dense look then matte coating is the best choice. You can also go with both matte and shiny look by selecting spot UV coating for your boxes. Spot UV gave the touch of both matte and gloss.

Different manufacturing styles

There are three manufacturing styles for cannabis tincture boxes

1. Die-cutting
2. Gluing
3. Perforation

Customers can easily get any of the above-mentioned manufacturing styles on demand. Mostly these boxes come in tuck end style. They may be

• Straight tuck end
• Auto-lock tuck end
• Reverse tuck end

Add is for making your boxes prettier

To make your boxes more bewitching many other options are available. Embossing and debossing, foil stamping with a lot of colors also make your boxes more appealing. Many companies are manufacturing these boxes nowadays due to higher demand.

Water purification is fast becoming a necessity nowadays as pollution continues to threaten most water sources. In effect, the water purifying industry is growing in size and giving birth to a full range of purification systems and other water cleaning products such as water softeners, water filters, and water purifiers. The question is, do you really need all these?

What are your options?

Your best option is to avail of a purification system. These systems come in various types depending on what exactly you are looking for. There are also several methods and tips that can help you use water cleaning systems properly and effectively.

Products come aplenty; there are softeners, filters, purifiers, and sophisticated methods such as reverse osmosis, ultraviolet water purifying, and water ionizing. Aside from that, you will likely meet several manufacturers in your search for the right products to use.

Here you will find help about how to find the best Reverse Osmosis water purifying system and other important information about water cleansing products and methods out there. There are some companies that specialize in the reverse osmosis water purification system who use desalination based on reverse osmosis procedures to purify water. Their businesses mostly revolve around seawater purification that turns seawater into a drinkable resource.

The reverse osmosis, promises a contaminant removal up to a 99%. This is one of the more recent successes in the field of water cleaning. Reverse osmosis uses membranes specifically designed to fight various types and sizes of organisms and bacteria in water.

Your guide to pure and clean water

Water may be threatened by various contaminants, but thanks to purification systems, the threats do not have to be passed down to you. The only remaining challenge is how to find the best purification system you should use.

Fortunately, there are several guides you can rely on. There are reviews and comparisons that can help you make sense of the varied specifications of the available products.

This will help you make an informed choice as to what kind of water filter or water softener to use for your faucet or for your shower heater and which brand offers the best results.

This will also inform you about how exactly these systems work, what the advantages and disadvantages are, and how they are installed and used, so you can reap the full benefits of your system.

All these works toward one simple goal: to keep you and your family safe from the hidden dangers of water.

All people make use of their vehicle every day for going to the office, dropping off the kids at school and doing more things. Your car depends up on battery. Its battery helps it down the road.

Let’s imagine you are going for a long drive in an unknown place and suddenly your car stops in the middle of the road. What will you do in this situation?

Battery problem can occur anytime without giving you any warning. Car batteries are considered as a rechargeable battery that supplies electrical current to a motor vehicle. These car batteries are made up of lead metal plates that pass the power to the vehicle engine for starting it.

Batteries are the best source because it starts your vehicle in all weather conditions and seasons. Today modern car batteries are reliable and maintenance-free. These batteries have a shelf life of a few years and they will drain quicker due to several problems. This includes disuse, faulty connection, corrosion, short circuit cell failure, broken internal plates due to corrosion and vibration. There are a lot of car batteries problem that needs to be fixed or replaced with a new one.

Here are some car batteries common problems you need to fix it immediately:

Let’s consider below!

Problem #1 : Lose Terminals and Posts:

The battery consists of two terminals. One is considered as positive and another is negative. Both terminal and posts are specifically attached with parts of cars for current supplies. But sometimes due to any reason or stress these connections can break.

Most of the time this problem occurs when bolts and screws used to attach the cable to posts become loose and that the reasons the current can’t flow through them.

Another reason for losing terminals and connection is corrosion. Sometimes driving the car on the rough and bumpy road can break the connection or lose the terminals.

So, if you are trying to start your car but it’s not working then you should check your connection.

Problem #2 : Leave your headlights on:

The main reason for car battery failure is human error. Most the people left the lights on, did not close the trunk completely and forget to close some several internal lights.
The headlight and some internal dim lights can drain your battery very fast. So, it is very necessary when you left your car you must check the internal lights or headlights whether they are off or not.
Sometimes battery drains without any specific reason and the car stops starting than in this situation you can make use of trickle charger to charge your battery.

Trickle charge can charge your battery within low amperage. They slowly charge your battery. Plus, they are also helpful or charge your battery when you don’t use your car.

Problem #3 : Faulty charging:

The battery of car automatically charges when you start-up of the vehicle or drive it. But in some of the case, your car battery is not working or drain while you are driving that means your battery charging system is not working properly. It can be the cause of several reasons like lights, radio, music, and another alternator system.

Sometimes the car battery doesn’t charge due to breakage of connection and terminals. If your battery is not completely charged in any situation then must check all terminals and connections.

Problem #4 : Battery Life:

The average life of a battery is considered to be 4 to 6 years. After 6+ the age of battery is considered as old-time in case you regularly use your car.

After the completion of the average time, these batteries are unable to support the car. In this situation, your battery needs to be replaced.

On the other hand, there are a lot of factors that reduce the life span of battery like battery leakage, radio leak, etc.

Problem #5 : Corroded battery cables and diode:

Sometimes the battery is not working properly when the battery cables and connection gets corroded. For the usage of anything to longer duration maintenance is very important. If your battery is not working properly then you must check the cables and connection. And if you see the sign of dirt and corrosion then immediately clean it with the help of cloth or brush.

On the other side, battery passes the current to the engine for starting the vehicle after that the alternator is responsible for transferring the current to the electric equipment of the car.

If due to any reason the diodes of batteries gets corroded then it damages your battery regularly.

Problem #6 : Extreme Temperature:

Car batteries are massively affected by weather condition like extreme hot and cold temperature. Extreme hot and cold temperature can cause build-up lead sulfate in the battery. If you left your battery in cold or hot weather condition for a long time then the buildup lead sulfate crystal in battery can damage the lifespan of the battery. Moreover, in this situation, the battery takes a lot of time for charging when you drive your vehicle for a small duration.

Problem #7 : Ride out of fuel:

Yes, if you think the fuel doesn’t affect your battery life then you are completely wrong. The low level of fuel or use your vehicle out of fuel reduces the level of electrolyte. Yes, the electrolyte present in the batteries creates the circuit. This reason can cause of battery drain, take for time for battery charge. This is a very important factor that you should keep in mind.
Always check the fuel after every two weeks in case you can use of vehicle regularly. This can prevent you from huge damage and give you long-lasting benefits.

Conclusion:

Whether it is a car battery or any other thing maintenance is very important. Batteries are very important for any vehicle. So, it is very important for you to repair your battery issues timely if you want to use it for longer duration. Above are some important factor and problem that you need to fix immediately to increase the lifespan of your car battery.

A stroller is simply a baby cart used to transport and carry babies. Though many retailers confuse customers by using varying terms for pushchairs and strollers, there is only a slight difference between all of them. For instance, a pushchair is much sturdier in comparison to a stroller with the ability to recline the seat and position it either forward-facing or parent-facing. A stroller is designed to carry newborns and younger babies as well but is lightweight and more ideal for older children.

Prams are strollers and are often referred to as such here in Australia and other parts of the world. There are many types of strollers available; there are strollers for jogging and walking that are lightweight, such as 4WD strollers, as well as combo strollers and travel system strollers, single strollers, and double strollers.

If you’re looking for a great stroller for your baby, take a look at our range at All 4 Kids. And, if you are buying a stroller for the first time, here are some things you should know:

Budget

Your budget is something you must consider before choosing a stroller. It is always advisable to work out a budget and stick to it because it is very easy to get overwhelmed by the choices and different functions available. A bit of research will go a long way in determining what you can get for your money.

Purpose

If you are an active person who likes to jog or walk regularly with your baby, you should look for an all-terrain stroller with adjustable and locking wheels.

However, if you’re a parent who is always on the move and needs something more compact and portable, you should take a look at our umbrella strollers which can easily fit in the car and be carried in and around shopping centers, supermarkets and anywhere else you need to go.

Travel Systems

If you are looking for an all-in-one system that allows you to transfer your baby straight from the car into the stroller, you should go for a travel system, which is basically a stroller with a compatible infant car seat that easily clips into the stroller.

Ability to Add Further Seats

If this is your first stroller and you are thinking of having more children, it is a good idea to look at models with the ability to install additional seats when you need them. There are many options available on the market and investing in one could save you from some financial strain in the future.

Weight

There are strollers out there that are heavy and some that are light, but it all depends on what you need it for. For instance, all-terrain strollers will weigh more and will be bigger in size compared to others. Make sure you consider how a child and a couple of shopping bags will affect the weight and maneuverability of the stroller.

If you are purchasing a bigger stroller, you may even consider investing in an umbrella stroller.

Steering

Make sure you’ll be able to comfortably steer your stroller and feel confident in maneuvering it around tight spaces. You should also be able to walk with the stroller using your normal stride.

Adjustable Handle

If the stroller is going to be used regularly, it is worth finding a model with an adjustable handle that will allow you to adjust the height.

Wrapping Up

These are some of the qualities that you need to consider while finding the right baby shop in cairns stroller for you. Take a look at our selection!

Let us suppose you want to opt for the painting services. In such a case it completely means that he wants to make something old as a new again. The professional painters are quite expensive so some may not afford to hire them, as a result, they try to do their job by themselves. There are certain painting services Clayton provided by the respective painting companies.

Some of them are as follows:

• The services provided by professional painters.
• Painting the house services.
• Lastly commercial painting services.

1. The services provided by the professional painters

In this type of service, the clients are given a lot of benefits. So the first profit is that the contractors who take up the job are quite trained and could easily deal with any sort of property that they are given. They know exactly what their job is. Whether to power wash the exterior portion or to fill a small tiny hole by using caulk. These painters who come to provide the painting services are quite friendly and wear proper uniforms. They are trained in such a way that they may answer all the painting related questions by the clients.

The work produced by the majority of the painting company brings out amazing creations. The painters provide the best quality work and complete their work on time. The painting services guarantee the work was done that relieves the client’s utmost satisfaction.

2. Painting the house services:

Everyone loves their homes then they do the best for keeping their homes as beautiful as possible. This is possible with a fantastic exterior. The house painting services include many works like painting the brick, vinyl doors, stucco and any other virtual thing that needs to be painted. It also gives the house a great new curb appeal. These help to add protection to the elements as well.

If you wish to desire to give their kitchen a new look or the masters bedroom or even the children’s rooms anything could be easily completed with the painting services done by the house painters.  These people help to completely change the look of the entire house. All the services that are provided are done in a very careful manner without any damage to the furniture or flooring. It hardly matters whether it is just a single room or the entire house. All the jobs are done in the best way to provide satisfaction to the customer.

3. Commercial painting services:

When it comes to a business lookout then it involves hotels, industrial buildings, restaurants, conference rooms and condominiums all are painted on some special occasions. These are to brighten the outlook and attract more new customers. The works provided by the painting companies may help to fulfill the interior needs of the clients.

There is a unique way of scheduling the needs in order to minimize the various disruptions. The professional painters coordinate well with their clients before they start their work. You might be busy on the weekdays and would like to set up a meeting with the painter for the weekend. All you need to do is ask the service provider to pay a visit during your favorable time. There will be no issues and both parties can discuss the work at a comfortable stop.

Depending upon the work the painters are provided with special equipment and ensure to get the required area painted properly. The commercial painters are quite trained and use new painting techniques and equipment for completing their work with full potential and hard work. Any property that needs to be painted could be easily handled by the providers of painting services.