Jugaad in the time of demonetisation – this app helps you find ATMs with cash and shorter queues

Chaos reigned on the roads with demonetisation, as one section of people scurried to exchange old notes, while the other, dependent on debit cards and regular withdrawals, struggled to access their own money at ATMs, what with the unending queues and caps placed on withdrawals. So, the money-planner app that has handheld you into saving your hard earned money better over the past year, has now released a feature that will help you blow it all up! Tiger Global and Accel India-backed Money View swiftly swung into action to create an algorithm that would help its users find ATMs that haven’t run out of cash.

Sanjay Agarwal (L) and Puneet Agarwal (R), Founders of Money View

Another money problem to solve

The founders at Money View (a financial planning application to tell you what’s happening with your money by letting you make manual entries as well as have an automated tracker for debit/ credit card messages received on your phone) found some peculiar activity post the announcement of demonetisation. Their research showed that only about a third of ATMs that were active pre-November 8 stayed active post it. Post November 8, ATM transaction volumes were down to about a quarter.

“Clearly, people were struggling to find cash post the demonetisation announcement. There were long queues at ATMs and cash was in short supply. But at the same time, people were willing to help one another. Even at the office, we observed that the team was calling up friends and family to figure out where cash could be arranged or borrowed from. As the leading money manager in India, we thought that it was our responsibility to help our nearly 10 million-strong user base in such times,” explains Puneet Agarwal, Co-Founder of Money View, of the origins of the idea.

The ‘Find ATMs With Cash’ feature was thus born, to show active ATMs in one’s locality, the size of notes dispensed by the ATMs and the lengths of the queues there. They have also added Big Bazaar stores, Inox cinemas and petrol pumps dispensing cash to form a comprehensive list of cash-dispensing locations.

Wondering how it works?

One simply needs to download the Money View app from the Play Store, go to the ‘Find ATMs With Cash’ feature on the app’s main menu, and see a list of all the ATMs around, with the active ones marked in green. Tapping on an ATM shows you what notes the ATM is dispensing as well as the length of the queue there.

“This is based on our user’s feedback and might not show for all ATMs. The same holds true for other cash dispensing locations too,” Puneet clarifies, adding, “We also have a desktop website, which lets you find an ATM on a bigger screen.”

To pull this off, they leveraged their 10 million user base to crowdsource information on which ATMs were active. Every time a Money View user successfully withdraws cash from an ATM, the bank sends a confirmation SMS to the user. Money View links the SMS with the location of the ATM and shows that ATM as active to all their users.

“Additionally, we also ask the user to provide additional feedback - what notes the ATM is dispensing and what’s the line like at the ATM,” explains Sanjay Agarwal, co-founder of Money View and co-creator of the feature.

Much to do, so little time to do it in

Pulling it off was a different ball game altogether, he says. “Once we realised the value this poses, we went all out to make it happen. It involved lots of brainstorming, some sleepless nights and ordering in some great food. We try to have fun while working hard,” Sanjay explains.

The rollout of this feature was nationwide, and in just a couple of days’ time at that – something that amazes Sanjay and fills him with (rather justified) pride. They currently cover over 1.5 lakh ATMs across the nation, and are continuously adding more.

One of the biggest challenges they faced was geotagging the location of the ATMs correctly. “We knew where the ATMs were, but it was difficult to pinpoint which ATM the user had withdrawn cash from, and consequently, which ATM was active at that point of time. We managed to get around this problem by developing a robust model that took a number of different parameters into account in real time. It’s a pretty comprehensive model that can now very accurately pinpoint which ATMs are active in a user’s vicinity,” he says.

As demonetisation has led to an increase in digital payments, it has also led to people seeing greater value in using a digital money manager, and hence, the app has witnessed a fifteen-fold rise in the number of downloads on any given day post the announcement. “Besides locating active ATMs, users can also keep track of their spends, pay their bills electronically and eventually invest money through our app. So, we like to believe that we’ve built a comprehensive money manager app that genuinely enhances people’s lives. The response makes us ecstatic, and it shows that we’re on the right track to providing the most comprehensive money management solution out there.”

A lot of nifty solutions have cropped up in the wake of the cash crisis the country collectively faced after demonetisation. Other apps that also help you find an ATM with cash include Walnut, CMS ATMFinder, and ATMSearch. And it only gets crazier - another service, Bookmychotu, allows you to hire an errand boy to hold your spot in the bank queue!

Reference : https://yourstory.com/2016/12/money-view-app/

Strict regulations, crackdowns, some funding and high hopes: here’s how 2016 was for online pharmacy

In the first month of 2016, the Drugs Controller General of India (DCGI) issued a directive banning the sale of medicines online, and asked all state governments and Union Territories to take action against e-pharmacies.

Come the middle of the year, the crackdown on online pharmacies began, with five portals coming under the radar of the Food and Drug Administration (FDA) for selling prescription drugs online.

The FDA registered FIRs against three such e-pharmacies — MeraPharmacy.com, mChemist.com and Healercart.com.

During July this year, FICCI released a white paper discussing the possible ways to address the challenges of e-pharmacy and to enable the government to come up with a structured framework. The report release session was attended by almost all stakeholders, from representatives of online pharmacies and government bodies to consumer activists, among others.

“Five months after the e-pharmacy India conference at FICCI, where we discussed the issue at length and got assurances from government representatives, nothing has changed,” says Bejon Misra, Founder Trustee, Consumer Online Foundation.

Adding to the woes of the online pharmacy sector, the Drug Consultative Committee (DCC), in November, recommended that the Central Drugs Standard Control Organisation (CDSO) regulate the sale of medicines on online pharmacies. It suggested that a national portal be created through which drug sales can be monitored.

As per the committee report, doctors will have to create electronic prescriptions or paper prescriptions that can be scanned and uploaded to the cloud by the doctor or patient through the intermediary link. These prescriptions may be linked with the Aadhaar card.

Bejon reasons that government bodies want to keep the pressure on online pharmacies, and alleges that they are doing it under the pressure of offline pharmacy associations.

According to Bejon, the All India Organisation of Chemists and Druggists (AIOCD) is a politically active and highly organised body.

In November, the AIOCD had called for a nationwide bandh to protest against regularising sale of medicines through internet and online pharmacies. It had called for a similar bandh in October 2015.

What the precedent shows

During April last year, the Snapdeal premises in Mumbai were raided by the MaharashtraFood and Drug Administration. The company also faced an FIR from the Maharashtra government for selling prescription drugs online.

A few months later, another e-commerce player, Shopclues, faced an FIR by the state government for selling drugs online without a prescription from doctors.

According to the FDA commissioner of the state, the law does not permit the sale of prescription drugs online.

During the same year, to the northwest, the Gujarat FDA raided Prowisor Pharma, a Surat-based online pharmacy, along with crackdowns on a couple of other online pharmacy players in the state.

Prowisor Pharma was found contravening the provisions of the Drugs and Cosmetics Act, 1940, and the Drugs and Magic Remedies (Objectionable Advertisements) Act, 1954.

2016: A mixed year

According to Yourstory research data, the total healthcare funding in the startup space was around $157.97 million this year, with 99 healthcare startups receiving funds. This funding amount is much lower than the previous year, when 57 healthcare startups raised $276.4 million.

This year, the online healthcare segment captured 10 percent of the total investment, with six online pharmacy companies raising around $16 million.

“I think it was a positive year for the sector. A lot of online pharmacy players have come up this year alone. There has been good investor interest as well. We raised Series B funding, as did a bunch of other players. The investors’ interest has been validated, and consumer interest has also been strong,” says Prashant Tandon, CEO and Co-founder, 1mg.

On growth at 1mg, he says that since the company raised its Series B round, business has really grown. They have expanded pharmacy and diagnostics operations in more cities, and have a much deeper network now. They have also launched e-consultations, which Prashant claims is picking up fast.

However, he adds that it wasn’t completely a smooth year. There were some hiccups. A lot of energy had to be spent in dealing with misinformation spread by regulatory bodies.

Vaibhav Kakkar, Partner, M&A, General Corporate & Regulatory Practices, says that the stance of regulatory bodies is not in accordance with the government. He has been closely following developments in the online segment.

He says that the suggestions of regulatory bodies — that prescriptions be stamped by the government, licences be issued to pharmacists to sell in a particular location and that the issuance of e-prescriptions by doctors is necessary — aren’t feasible.

“In my view, the situation at the online vertical didn’t change much as compared to last year. The ambiguity of regulations is still maintained by the regulatory bodies. And in this environment, it wouldn’t have been possible for business to grow liberally,” says Vaibhav.

Ray of hope

In spite of stringent government regulations and continuous crackdowns, Bejon believes that there is a need and demand for online pharmacy in the market, and that government bodies will not be able to hold it for long.

“Our approach is simple. We want the government to end this opacity and formulate a clear and feasible law that will help the online pharmacy vertical function properly. These laws that were made prior to Independence, when there was nothing called online, can’t be applicable today,” says Bejon.

He expects the coming year to surely change the status quo. The countdown for the government will start, and it will have to deliver on its promises to businesses and startups.

Prashant of 1mg says that by next year, he is going to expand in more cities. The platform aims to expand to 30 cities by March. By the end of the year, it is likely to cover most of the tier 1 and tier 2 cities of India.

“I see 15-20 percent growth year-on-year in this vertical. More capital will come into the ecosystem now. We will have an opportunity to develop it,” says Prashant.

On government regulations, he says that there’s a positive mood. Conversation has changed a lot, from whether online pharmacy should exist at all to how it should be regulated.

Vaibhav adds to the hope, saying that online pharmacy players and other stakeholders have shown strong rebuttals to the regulations. “I believe that the bodies will take note of it and ease working conditions soon.”

Reference : https://yourstory.com/2016/12/2016-online-pharmacy/

The man who showed how a footbridge can close many gaps in development

When Nivedith Alva took over as Chairman of Karnataka’s Coastal Development Authority, he was surprised that many low-cost projects that could go a long way in easing people’s daily lives were pending for as many as 20 years.

In many parts of coastal Karnataka, as in the rest of the country, monsoons force communities to travel a great distance just to cross a fast flowing river for lack of a bridge. Sometimes, to quite literally bridge the gap, locals improvise, tying logs together and slinging them across to facilitate movement of people and cycles.

Nivedith Alva, Coastal Development Authority chairman, stands at the water's edge in a remote hamlet in Siddapura, Karnataka.

But, many a time, this is dangerous and can lead to a loss of lives, Nivedith Alva, Chairman, Karnataka Coastal Development Authority, recalled to YourStory. “A woman was carrying a small child in her arms and leading another by hand and crossing a temporary wooden log bridge over a rivulet when the boy fell into it. The shocked mother looked on helplessly as he met a watery grave. This is a sad incident which disturbed me and as CDA chairman I sanctioned and built a proper foot bridge for locals which cost less than Rs 10 lakh. I always wondered why the government could not sanction such a small amount,” he said.

These are projects seasoned politicians or hard-nosed bureaucrats often ignore and some requests have been pending for over 20 years.

With little money at his disposal, in a 21-month span in office Nivedith sanctioned a record 74 footbridges, four suspension bridges, built 15 fish markets, one skywalk, two parks and a number of development projects that will help local communities immensely.

Along with this, he took up many initiatives for fisherfolk and other communities living in the remote Western Ghats region and turned the CDA from an authority with just enough money to propose detailed project reports to one that could plan and implement projects.

From a given budget of Rs 10 crore in 2015-16, noticing the good work, Karnataka Chief Minister Siddaramaiah enhanced the CDA’s outlay to Rs 15 crore for 2016-17.

As 18 Assembly constituencies come under CDA in Karnataka’s coastal districts of Dakshina Kannada, Udupi and Uttara Kannada, Nivedith took up small initiatives that were long forgotten.

“The topography is very different here. We have the Western Ghats on the one side and the sea on the other. Sandwiched between is a strip of land where many rivers and rivulets flow. In monsoon, these rivers in a matter of hours can leave people stranded. Children who cross a temporary foot bridge fashioned out of logs or wooden strips may not be able to reach back home as the waters would have risen. The need of the hour was to build small foot bridges that cost as low as Rs 10 lakh each,” he explained.

Another project that interested him was building modern fish markets that helped women who sold fish on the roadside without any protection against the constantly changing weather. These markets added dignity to their lives. The CDA also gifted ice boxes so that their stocks lasted and improved their incomes.

Nivedith says young people like himself who have travelled all over the world want to give back to the country. “Having a young person makes a lot of difference especially when it comes to development,” he added.

He was the youngest member to take over as CDA chairman and was also the youngest office-bearer of the Congress party in the State and completed five years as the party’s secretary.

As CDA chairman, he recalled that sometimes he had to trek for more than 10km to reach remote hamlets in the Western Ghats that were not connected to the outside world.

A suspension bridge built across river Sharavathi

Among the projects he is proud to have planned and completed was the 125-metre Sharavathi Suspension Bridge at Kudrugi near Honnavar that can be used by two-wheelers also. “People were asking for this bridge for over 20 years and used boats to cross the river. The suspension bridge will shorten the way for 20,000 people daily. It cost Rs 2.78 crore and was built in a record time of seven months. Its span is 220 metres and its total length is 266 metres along with the approach.,” Nivedith explained.

The CDA also planned and completed the Sharavathi Hanging Bridge near Honnavar. Another highlight was the suspension bridge over Phalguni river in Dakshina Kannada. In Mangaluru town, CDA undertook the main market’s redevelopment and the city’s first skywalk.

Given the large number of people employed in the fishing industry in the region, CDA organised a seminar on Innovative Technologies in Fishing, which will also help the government formulate a fishing policy that is under consideration. CDA also organised skill development workshops, including fish cage cultivation, which does not require fishermen to venture deep into the sea in search of some species.

Looking at the CDA’s response and fast-paced work, a lot of villages and panchayats put forward requests to improve rural connectivity, construct foot bridges and to build or upgrade modern fish markets.

The administrative experience also gave Nivedith a first-hand experience of whether government programmes were reaching the intended beneficieries.

Nivedith Alva, right, overseeing a plan at a fish market under construction by the CDA.

“I have learnt that once you are a keen listener, only then one can help. The government may think it’s a small project, but it impacts many lives. This is the learning I have taken from my short tenure,” he adds.

Reference : https://yourstory.com/2016/12/nivedith-alva/

Impact of demonetisation on the startup community

Introduction

In a measure to curb circulation of fake currency notes and black money, PM Narendra Modi’s announcement on November 8, 2016, to scrap Rs 500 and Rs 1,000 notes took everyone by surprise.

While many people are seen to support this bold move by PM Modi, the rest have not welcomed it with open arms. Many people are seen standing in long queues outside ATMs, rushing to petrol pumps, rushing to the grocery stores.

Effect of denomination of currency notes on some sectors

Here are a few sectors that would be heavily impacted by the recent ban on Rs 500 and Rs 1,000 currency notes in India:

1) E-commerce startups

Majority of tech savvy consumers prefer to pay using e-wallets or online transfers such as Net Banking, Airtel Money, Paytm, etc. E-commerce industry is growing at a rapid pace and many customers avoid the option of COD (cash on delivery) as the cost may be slightly high due to inclusion of carrying cost. However, we can’t ignore people who are not familiar in using virtual cash. This may affect sales to a marginal extent in volume and amount. Considering the growth of E-commerce startups in India, it can be said that almost all end consumers will get accustomed in avoiding COD.

2) Cab startups:

They have their own wallet system and the demonetization move is not going to make them bleed. Many people in India use smartphones and pay for cabs through their e-wallets.

3) Wallet startups:

It goes without saying that the recent ban on Rs 500 and Rs 1000 currency notes are going to boost the revenue of these startups. From teenagers to youth to middle-aged people, everyone will be downloading relevant apps in the next few days and even after that. E-wallet startups may also give higher amount of cashback to the new customers to attract higher number of downloads. Eventually, after a few months, the cashback given by these entities would reduce to nil.

4) Food delivery startups:

These startups allow customers to pay for their food orders through debit cards, credit cards, net banking, e-wallets, etc. So, it is quite understandable that food delivery startups like Wow Momo, FoodPanda, Cafe Coffee Day, etc., will be undisturbed by the recent policy implemented.

5) Information technology startups:

Their services are generally highly priced so the likely mode of acceptance of payments are via bank cheque, bank draft, NEFT, RTGS, net banking, etc. Therefore, it is very understandable that ban of currency notes of two particular denominations are not going to hurt these IT firms.

6) Accounting and financial consultancy startups:

They mostly prefer accepting payments other than physical cash. It goes without saying that they would function smoothly irrespective of such massive pan India-based economic policy adopted by the Central Government.

Conclusion

Business houses are an integral constituent of the country’s economy. While medium and large scale business are unaffected to such ban, many small-size commercial establishments are deeply affected by such sudden move by the government. The economy of the country may experience recession in the coming few weeks but is expected to get back to its shape shortly after the influence of Modi government.

Reference : https://yourstory.com/2016/12/impact-demonetization-startup/

Historical Background of Indian Constitution

Before 1947, India was divided into two main entities – The British India which consisted of 11 provinces and the Princely states ruled by Indian princes under subsidiary alliance policy. The two entities merged together to form the Indian Union, but many of the legacy systems in British India is followed even now. The historical underpinnings and evolution of the India Constitution can be traced to many regulations and acts passed before Indian Independence.

Indian System of Administration

Indian democracy is Parliamentary form of democracy where executive is responsible to the Parliament. The Parliament has two houses – Loksabha and Rajyasabha. Also the type of governance is Federal, ie there is separate executive and legislature at Center and States. We also have self governance at local government levels. All these systems owe their legacy to the British administration. Let us see the historical background of Indian Constitution and its development through years.

Regulating Act of 1773

The first step taken by the British Parliament to control and regulate the affairs of the East India Company in India.

It designated the Governor of Bengal (Fort William) as the Governor-General (of Bengal).

Warren Hastings became the first Governor-General of Bengal.

Executive Council of the Governor-General was established (Four members). There was no separate legislative council.

It subordinated the Governors of Bombay and Madras to the Governor-General of Bengal.

The Supreme Court was established at Fort William (Calcutta) as the Apex Court in 1774.

It prohibited servants of the company from engaging in any private trade or accepting bribes from the natives.

Court of Directors (governing body of the company) should report its revenue.

Pitt’s India Act of 1784

Distinguished between commercial and political functions of the company.

Court of Directors for Commercial functions and Board of Control for political affairs.

Reduced the strength of the Governor General’s council to three members.

Placed the Indian affairs under the direct control of the British Government.

The companies territories in India were called “the British possession in India”.

Governor’s councils were established in Madras and Bombay.

Also read: Major Landforms - Mountains, Plateaus, and Plains: Learn faster

Charter Act of 1813

The Company’s monopoly over Indian trade terminated; Trade with India open to all British subjects.

Charter Act of 1833

Governor-General (of Bengal) became as the Governor-General of India.

First Governor-General of India was Lord William Bentick.

This was the final step towards centralization in the British India.

Beginning of a Central legislature for India as the act also took away legislative powers of Bombay and Madras provinces.

The Act ended the activities of the East India Company as a commercial body and it became a pure administrative body.

Charter Act of 1853

The legislative and executive functions of the Governor-General’s Council were separated.

6 members in Central legislative council. Four out of six members were appointed by the provisional governments of Madras, Bombay, Bengal and Agra.

It introduced a system of open competition as the basis for the recruitment of civil servants of the Company (Indian Civil Service opened for all).

Government of India Act of 1858

The rule of Company was replaced by the rule of the Crown in India.

The powers of the British Crown were to be exercised by the Secretary of State for India

He was assisted by the Council of India, having 15 members

He was vested with complete authority and control over the Indian administration through the Vice roy as his agent

The Governor-General was made the Viceroy of India.

Lord Canning was the first Viceroy of India.

Abolished Board of Control and Court of Directors.

Indian Councils Act of 1861

It introduced for the first time Indian representation in the institutions like Viceroy’s executive+legislative council (non-official). 3 Indians entered Legislative council.

Legislative councils were established in Center and provinces.

It provided that the Vice-roys Executive Council should have some Indians as the non-official members while transacting the legislative businesses.

It accorded statutory recognition to the portfolio system.

Initiated the process of decentralisation by restoring the legislative powers to the Bombay and the Madras Provinces.

India Council Act of 1892

Introduced indirect elections (nomination).

Enlarged the size of the legislative councils.

Enlarged the functions of the Legislative Councils and gave them the power of discussing the Budget and addressing questions to the Executive.

Also read: Indian Constitution Parts and Articles

Indian Councils Act of 1909

This Act is also known as the Morley- Minto Reforms.

Direct elections to legislative councils; first attempt at introducing a representative and popular element.

It changed the name of the Central Legislative Council to the Imperial Legislative Council.

The member of Central Legislative Council was increased to 60 from 16.

Introduced a system of communal representation for Muslims by accepting the concept of ‘separate electorate’.

Indians for the first time in Viceroys executive council. (Satyendra Prasad Sinha, as the law member)

Government of India Act of 1919

This Act is also known as the Montague-Chelmsford Reforms.

The Central subjects were demarcated and separated from those of the Provincial subjects.

The scheme of dual governance, ‘Dyarchy’, was introduced in the Provincial subjects.

Under dyarchy system, the provincial subjects were divided into two parts – transferred and reserved. On reserved subjects Governor was not responsible to the Legislative council.

The Act introduced, for the first time, bicameralism at center.

Legislative Assembly with 140 members and Legislative council with 60 members.

Direct elections.

The Act also required that the three of the six members of the Viceroy’s Executive Council (other than Commander-in-Chief) were to be Indians.

Provided for the establishment of Public Service Commission.

Government of India Act of 1935

The Act provided for the establishment of an All-India Federation consisting of the Provinces and the Princely States as units, though the envisaged federation never came into being.

Three Lists : The Act divided the powers between the Centre and the units in items of three lists, namely the Federal List, the Provincial List and the Concurrent List.

The Federal List for the Centre consisted of 59 items, the Provincial List for the provinces consisted of 54 items and the Concurrent List for both consisted of 36 items

The residuary powers were vested with the Governor-General.

The Act abolished the Dyarchy in the Provinces and introduced ‘Provincial Autonomy’.

It provided for the adoption of Dyarchy at the Centre.

Introduced bicameralism in 6 out of 11 Provinces.

These six Provinces were Assam, Bengal, Bombay, Bihar, Madras and the United Province.

Provided for the establishment of Federal Court.

Abolished the Council of India.

Indian Independence Act of 1947

It declared India as an Independent and Sovereign State.

Established responsible Governments at both the Centre and the Provinces.

Designated the Viceroy India and the provincial Governors as the Constitutional (normal heads).

It assigned dual functions (Constituent and Legislative) to the Constituent Assembly and declared this dominion legislature as a sovereign body.

Constitution of India

Laws made before Charter Act of 1833 were called Regulations and those made after are called Acts.

Lord Warren Hastings created the office of District Collector in 1772, but judicial powers were separated from District collector later by Cornwalis.

From the powerful authorities of unchecked executives, the Indian administration developed into a responsible government answerable to the legislature and people.

The development of portfolio system and budget points to the separation of power.

Lord Mayo’s resolution on financial decentralization visualized the development of local self-government institutions in India (1870).

1882: Lord Ripon’s resolution was hailed as the ‘Magna Carta’ of local self government. He is regarded as the ‘Father of local self-government in India’.

1921: Railway Budget was separated from the General Budget.

From 1773 to 1858, the British tried for the centralization of power. It was from the 1861 Councils act they shifted towards devolution of power with provinces.

1833 Charter act was the most important act before the act of 1909.

Till 1947, the Government of India functioned under the provisions of the 1919 Act only. The provisions of 1935 Act relating to Federation and Dyarchy were never implemented.

The Executive Council provided by the 1919 Act continued to advice the Viceroy till 1947. The modern executive (Council of Ministers) owes its legacy to the executive council.

The Legislative Council and Assembly developed into Rajyasabha and Loksabha after independence.

PAN CARD के नियमों में हो गए हैं बदलाव

देश में मौजूद ब्लैक मनी पर काबू पाने के लिए मोदी सरकार ने नोटबंदी जैसा ऐतिहासिक कदम उठाया है। इस कदम के बाद लोगों को कैश की तंगी से तो जूझना पड़ रहा है लेकिन जानकार इस कदम को अर्थव्यवस्था के लिए बेहतर भी मान रहे हैं।

अगर आपका बैंक में अकाउंट है और आप लगातार लेन-देन करते हैं तो आपके लिए ये जान लेना बेहद ज़रूरी है कि PAN CARD से जुड़े नियमों में कई बड़े बदलाव किए गए हैं। 

आपको बता रहा है कि क्या हैं पैन कार्ड से जुड़े नए नियम और अब आपको किन चीज़ों का ध्यान रखना होगा...

1. नोटबंदी के साथ ही सरकार ने ये घोषणा की थी कि अगर आप अपने अकाउंट में 2।5 लाख से ज्यादा रकम जमा कराते हैं तो इनकम टैक्स डिपार्टमेंट को इसकी जानकारी दी जाएगी। लेकिन शायद आप ये नहीं जानते कि 50 हज़ार या उससे ज्यादा की रकम भी बार-बार बैंक में जमा करने या निकालने पर बैंक इसका अलर्ट आईटी डिपार्टमेंट को भेज देगा। अगर बैंक आपकी इन हरकतों की जानकारी आईटी डिपार्टमेंट को देता है तो इसके बाद आपको अपने पैन कार्ड की पूरी जानकारी देना अनिवार्य होगा। बता दें कि पिछले दिनों ऐसी कई घटनाएं सामने आई हैं जिनमें पैन कार्ड देने से बचने के लिए 50 हजार रुपए से कम राशि कई बार बैंक अकाउंट में जमा करते हैं इसलिए अब 25 हज़ार से बड़े अमाउंट पर भी बैंक की नज़र बनी हुई है। 

2. नियमों में बदलाव उन लोगों के लिए भी किए गए हैं, जिनके अकाउंट पैन कार्ड से अभी तक नहीं जुड़े हैं। ऐसे लोगों को अब 50 हजार रुपए से ज्यादा कैश जमा कराने पर पैन कार्ड दिखाना जरूरी होगा। पैन कार्ड न होने पर पैसा जमा नहीं किया जाएगा।

3. अब से अगर आप बैंकिंग कंपनी या को-ऑपरेटिव बैंक से एक दिन में 50 हजार रुपए से ज्यादा के बैंक ड्रॉफ्ट खरीदते हैं तो भी आपको पैन कार्ड दिखाना जरूरी होगा। इसके अलावा इनकम टैक्स रिटर्न भरने के लिए पैन होना अब जरूरी है।

4. अगर आप बैंकिंग कंपनी या को-ऑपरेटिव बैंक में अकाउंट खोलते हैं तो पैन कार्ड की जरूरत होगी। इसमें जन धन अकाउंट शामिल नहीं है। यह नियम धोखाधड़ी को ध्यान में रखते हुए बनाया गया है। बता दें कि इससे पहले बहुत से लोग एक नाम से कई अकाउंट खुलवा लेते थे और हर अकाउंट में अलग-अलग तरीके से पैसों का लेन-देन होता था। ऐसे में पैसों की ट्रांजैक्शन पर सरकार की पूरी नजर रहेगी।

ऐसे मिनटों में खुद ही कर सकते हैं अप्लाई

अगर आपके पास पैन कार्ड नहीं है तो इसके लिए आप खुद ही ऑनलाइन अप्लाई कर सकते हैं। अप्लाई करने के लिए आप एनएसडीएल के पोर्टल www.tin-nsdl.com पर जाकर Services पर जाएं। वहां पैन में अप्लाई ऑनलाइन ऑप्शन में न्यू पैन पर क्लिक करें। इसके अलावा आप इनकम टैक्स डिपार्टमेंट की साइट www.incometaxindia.gov.in  पर जाएं।

वहां PAN ऑप्शन में जाकर अप्लाई ऑनलाइन पर क्लिक करें। वहां एनएसडीएल या UTIITSL के जरिए फॉर्म भरकर जमा कर सकते हैं। वेबसाइट से ही आप ऑनलाइन पेमेंट कर सकते हैं। इसके बाद एकनॉलिजमेंट फॉर्म का प्रिंटआउट लेकर उस पर अपना फोटो लगाएं और साइन करें। साथ में सभी जरूरी डॉक्युमेंट लगाकर कूरियर या स्पीड पोस्ट से NSDL/UTIITSL को भेजना होगा।

गौरतलब है कि नोटबंदी के बाद से ही सरकार ने बैंक ट्रांजैक्शन और पैन कार्ड की अनिवार्यता को लेकर नियमों में बदलाव किया है। नोटबंदी के फैसले के बाद से ही इनकम टैक्स डिपार्टमेंट की बैंक में पैसे जमा कराने वालों पर खास नजर है। अब कोई कालाधन बैंक तक धोखाधड़ी स न पहुंचा पाए इसके लिए इनकम टैक्‍स एक्‍ट एंड रूल के तहत प्रावधान 14बी में कई बदलाव किए गए हैं। मोटे तौर पर नए नियम के मुताबिक अब 50 हजार से ज्यादा हो या 2।5 लाख रुपए तक डिपॉजिट हो, सभी पर सरकार नजर रख रही है।

Attila the Hun : the most feared man in history who died of a nosebleed

Attila the Hun was born around 406 in Pannonia, a province of the Roman Empire (present-day Transdanubia, Hungary).

He was one of the most successful barbarian rulers of the Hunnic Empire, attacking the Eastern and Western Roman empires. “There, where I have passed, the grass will never grow again.” Attila the Hun

"Attila the Hun" portrait by sculptor George S. 

There is no other man in all recorded history that has been feared as much as Attila. Attila was known by the nickname “The Scourge of God”, referring to his reputation for creating a trail of devastation wherever he went.

Attila the Hun and his brother, Bleda, were named co-rulers of the Huns in 434 and the two brothers focused on consolidating the Hun Empire. The brothers tried to extend their empire into Persia but they were defeated by the Sassanids.

They made a peace treaty with the eastern half of the Roman Empire that provided Attila and Bleda to be personally paid 700 pounds of gold a year. However, Attila and his brother broke the peace treaty and launched series of attacks across the Danube River into the Eastern Roman Empire.

After 445, Attila murdered Bleda and became the sole commander of a force that extended from the Rhine to the Caspian and the western edges of China.

Attila destroyed the Eastern Roman Empire and Theodosius II was forced to agree to a peace treaty in which he gave Attila 2,100 pounds of gold a year.

He turned his attention west, towards France and he amassed an army of half a million men and invaded Gaul (now France). However, he was defeated at Chalons in 451 by Aetius, who had banded together with the Visigoths.

In 452 he marched into northern Italy, forcing Valentinian III to flee to Rome. After the “Scourge of God” destroyed many cities in Northern Italy, he met Pope Leo I as an emissary and somehow decided to spare Rome due to the diplomacy of Pope Leo I.

Attila was the greatest enemy of the western and eastern Roman Empires. He didn’t die in a battle, but of a nosebleed.

The stories say that he was at a great feast, celebrating his wedding to the young, beautiful Ildico, one of the several wives Attila had. Attila was found dead on his wedding night in the year of 453. He supposedly died naturally, choking on his own blood after a heavy feast.

No one knows where he was buried since the people who prepared his tomb were killed so that its location would remain unknown. After his death, his empire fell apart.

आज हम बात करते है एक ब्रांड के सुपरब्रांड बनाने के सफ़र के बारे में | सबसे पहले बात करते हैं “ब्रांड” शब्द के बारे में | दोस्तों ! आपने महसूस भी किया होगा कि किसी भी ब्रांड का नाम लेते ही उस ब्रांड का लोगो, प्रोडक्ट और उसकी लोकप्रियता का दृश्य हमारे आँखों के सामने उभर आता है | आपने देखा होगा कि पुराने जमाने में ब्रांड का मतलब होता था पहचान का निशान | पहले लोग अपनी वस्तुओं पर निशान लगाकर पहचान चिन्ह बनाते थे और यहाँ तक अपने पशुओं को पहचानने के लिए भी गर्म लोहे से पशुओं के शरीर पर निशान बना दिया जाता था, फिर 1827 से ब्रांड शब्द का इस्तेमाल बिजनेस की दुनिया में शुरू हुआ | तब से ब्रांड का मतलब हुआ एक अलग पहचान ! खासियत ! दूसरों से भिन्नता ! अनूठापन ! आज ब्रांड का अर्थ है ग्राहक के दिमाग में कंपनी या प्रोडक्ट की अलग पहचान | हर एक ब्रांड की एक कहानी होती है और एक वादे पर खत्म होती है | इसी प्रकार हर ब्रांड के पीछे एक प्रोडक्ट होता है और उस प्रोडक्ट के पीछे एक इंसान होता है |

तो आइये ! आज बात करते हैं आदिदास ब्रांड की जिसका प्रोडक्ट है स्पोर्ट्स शू और उसे बनाने वाले का नाम है एडोल्फ डैस्लर | आदिदास ब्रांड के पीछे दो भाइयों की मेहनत है | बाथरूम में बैठकर जूते बनाने से शुरू हुआ ये सफ़र आज पूरी दुनिया में पहुँच चुका है | आज एडिडास ब्रांड का हर सामान बनता है | लेकिन एडिडास ब्रांड का मुख्य प्रोडक्ट है स्पोर्ट्स शूज | जर्मनी के एक छोटे से कसबे में रहने वाले एडोल्फ डैस्लर ने एक सपना देखा कि दुनिया का हर खिलाड़ी उन्हीं के जूते पहनकर खेलें | सपना इतना बड़ा था कि आज तक पूरा नहीं हो पाया है | पर ऐसा कोई खेल नहीं जिसमें एडिडास का नाम जुड़ा ना हो |इसके बिना कोई भी खिलाड़ी मैदान पे नहीं उतर सकता | एडी अपने भाई रुडोल्फ़ के साथ मिलकर बाथरूम में हाथ से जूते बनाते थे | उन्होंने कभी नहीं सोचा होगा कि एक दिन ये बाथरूम प्रोडक्ट दो बड़ी कंपनी में बदल जायेगा | उनका एक ही लक्ष्य था ग्राहकों की सुविधा |

उन्होंने खिलाड़ियों से मिलकर सलाह लेना शुरू किया और लोगों की सलाह पर ही उन्होंने दुनिया का पहला स्पाइक्स जूता बनाया | 1927 में दोनों भाइयों ने कारखाना खोला | 1928 में एम्स्टर्डम ऑलंपिक में पहली बार ऑलंपिक खिलाडियों ने डैस्लर के जूते पहने | इसके बाद 1936 के बर्लिन ऑलंपिक में जेसिन ओवेन्स ने यही जूते पहनकर चार गोल्ड मैडल जीते | बस फिर तब के बाद से एडिडास को पैर मिल गए और वह अपने आप दौड़ने लगा | स्पोर्ट्स वर्ल्ड एडी डैस्लर के जूतों का दीवाना हो गया | उस समय एडिडास को डैस्लर के नाम से जाना जाता था और यह नाम 1949 में रजिस्टर किया गया | डैस्लर एक गोल्डन शूज बन गया | लेकिन कहते हैं न ! अच्छा वक्त हमेशा नहीं रहता | स्पोर्ट्स मुकाबले की तरह दोनों भाइयों में विवाद हो गया | 1948 में यहीं से दुनिया को दो कम्पनीज़ मिली | एडोल्फ़ डैस्लर ने एडिडास और रुडोल्फ़ ने प्यूमा के नाम से बिजनेस शुरू किया | एडिडास अब भी स्पोर्ट्स शूज में बादशाह है | 1987 में एडी डैस्लर ने वरीसो को कंपनी बेच दी | पर डैस्लर का नाम अब भी बाकी है | कंपनी को बेचना इसलिए भी पड़ा क्योंकि सन् 1978 में एडी डैस्लर की मृत्यु हो गयी थी | जिस समय एडोल्फ़ की मृत्यु हुई उस समय एडिडास हर साल 4.5 करोड़ जूते बना रहा था |

स्पोर्ट्स वर्ल्ड में अपना योगदान देने के लिए उन्हें अमेरिकन स्पोर्टिंग गुड्स इंडस्ट्री हॉल ऑफ़ फेम में शामिल किया गया | पहली बार यह सम्मान एक गैर सरकारी को मिला था | सन् 2006 में एडिडास ने 11.8 अरब डॉलर में प्रतिस्पर्धी कंपनी रीबोक को खरीदकर अपनी स्थिति मजबूत कर ली | एडी डैस्लर की एकाग्रता और लगन की बदौलत नामुमकिन भी मुमकिन हो गया | शायद इसलिए 2004 में एडिडास की टैग लाइन रखी गयी : “ इम्पॉसिबल इज़ नथिंग” |