Modi just came forward and raised his statement to Ban notes of rupees 500 and 1000 from today midnight. Modi took this step to heal the nation from the cancer of black money and fake currency business. Although people will face a little inconvenience in the transactions by manual methods but this step will finish the corruption from our country.

Few points of this decision to be considered: 



  • Entire nation including government official got this statement few minutes ago as Modiannounced this decision.
  • Reserve Bank accepted the proposal of issuing Rs.2000 note according to this process.
  • All banks will be closed on 9th November 2016.
  • People are free to deposit 500 and 1000 rupees notes in the nearest banks till 30th December. After that no bank will accept this currency.
  • Besides the currency of 500 and 1000 rupees note, old coin and currency will remain the same.
  • 30th december is the deadline to deposit the note of 500 and thousand rupees.
  • Government to this hard step due to the highly increased rate of corruption and black money.
  • Terrorism is the great issue and hurdle for the nation that is why government took this step.According to the Prime Minister Modi”fake currency and black money is being used to provide facilities to the terrorists.”

India improved its position in the global ranking of the corruption, Modi has taken many steps against corruption and this step is the part of those steps which will be proved a boon for the anti corruption campaign started by Prime Minister Modi.

Modi mentioned in his words “ BJP government brings useful sachems time by time, especially  for the class of farmers and poor”. We took this step this time to finish the corruption from its roots and that is why I appeal to the public of India to deposit the currency of 500 and 1000 rupees note in the nearest bank, if someone is not able to deposit this currency till 30th December then he will be given a last chance.

In the end of his speech Modi address the nation and said ” we will take care of the rights of common public of nation. A little trouble is better than to tolerate the cancer of corruption. This stuff will come out with great results.


It has become history when people were conscious about only specific products like the public provident fund   and traditional life insurance plans for investments. But things have changed since the government turned into these schemes in a new package.

People around eight crore are entered in these new schemes and many more are about to join these new schemes launched by government.


What are these schemes?




It is a personal accident policy which gives you the surety to protect not only your family but also your loss of income due to any disability.



  • Age should be 18 to 70
  • Bank account is necessary

Features of this scheme:


  • Claim of 2 lakhs will be given by this policy if a person dies in an accident or suffers from a permanent disability due to an accident.
  • Policy will be valid to age of 70


Here claims given by this policy in permanent disability, what kind of permanent disability?


Loss of both eyes or loss of both hands and feet or loss of sight of one eye and loss of one hand or one foot. The policy does not cover temporary disabilities.





It is a pure term plan that does not pay you anything back when the policy matures. If the insured dies it pays the sum insured to the family.



Age should 18 to 50 years and anyone with a bank account can buy the policy.




This is the policy which provides risk cover in case of an untoward incident pays Rs 2 lakh to the family as        claim money. The policy is valid for one year (from June 1, 2015 to May 31, 2016), after which you need to pay premium to renew the policy.



Scheme provides pension plans to people to make their life well in their old age. These kind of schemes help     people at the time they are not able to work or earn for their living.



The scheme is available to all bank account holders between 18 and 40 years of age. You need to contribute for 20 years or more under the scheme.



According to this scheme you will be able to get pension of Rs 1,000 to Rs 5,000 per month, at the age of 60 years. Which varies on the age of joining the APY?  Government provides the benefits of the scheme on the basis   of  current age. For example, a 35-year-old needs to pay Rs 902 a month for a pension of Rs 5,000.

Government also contributes 50% of your contribution.


But many of our people are still not aware or have information about these schemes due to lack of sources or communication by the government officials. Although we can get this information anytime from government websites or can get the information when it is available on newspaper or tv but due to lack of resources many places are still not aware about these government scheme.



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Prime Minister Modi has laid a lot of emphasis on cleanliness. People keep their home clean, but when it comes to surroundings like streets, parks etc. nobody cares because they perceive it as the duty of government even though they themselves are responsible for throwing garbage and making their surroundings dirty. Taking action for making India clean through this campaign itself is the first necessary step towards realizing this dream.  In this direction, he launched the Swachh Bharat Abhiyan. This movement envisages a clean India through participation of every Indian. PM Modi also asked Indians to make cleanliness a mass movement, urged youth to be part of the Clean India project and called upon people to use social media to share their role in making Indian cities and towns more live able. A lot of suspicion prevails over the success of this campaign, as many are arguing that until the attitude and mentality of people changes no campaign can clean.

India can change radically if citizens imbibed discipline. India can do it; the people of India can do it. It takes time to change the established mindset as we have to change the attitude of people. Indians generally cares very less about hygiene. Most of them even spit where ever they want, as they are unaware of the health implications. Their habit will not change unless they are aware. Workers indulge in cleaning jobs hardly gets any respect within the society. Most of them are from Scheduled casts. Unless the mentality towards these workers and their job changes, we cannot expect the mass participation.

The issue of cleanliness was not given enough priority during the last many decades. The mission highlights the importance of cleanliness very well. The prime minister named nine people — including cricketer Sachin Tendulkar, actors Priyanka Chopra, Salman Khan and Kamal Hasan, industrialist Anil Ambani, Goa Governor Mridula Sinha, Congress Leader Shashi Tharoor, Yoga Guru Ramdev and a team of TV serial ‘Tarak Mehta Ka Ulta Chasma’ — to spread the message of Clean India. Government has also started a campaign on cleanliness through social media using his website and other such websites, including a new website dedicated to Clean India Campaign. He also urged people to take an oath to be committed and dedicated towards cleanliness of the country. The task is enormous and will require a change in individual behavior as well as a transformation in the back-end capability to provide the tools, processes, systems and structures that make hygiene, cleanliness and sanitation achievable and sustainable.

It is important to understand what Swachh actually means. Building toilets is an important part of it, as even after several years of Independence only a 30% of rural households have access to toilets. But along with this we have two equally important tasks: one is hygiene and other one is how to handle and deal with garbage. Each department has to join with the government at their level, as we have to move from step one.

A lot has been done to make people aware of cleanliness and hygiene, now it’s time for citizen of India to learn the facts and apply them into actions. Swachh Bharat Campaign requires comprehensive and coordinated efforts to create the back-end infrastructure to deal with solutions to segregate at source, create dry waste collection centers, compost the wet waste to make it reusable as soil, etc. Most of all it will require a massive behavioral change and significant investment in creating a garbage management system that uses science, technology and logistics that convert garbage to something of value. It should be a combined effort of government and people. There is no doubt about the fact that change begins at home. Every citizen of the country should take it upon himself to make this campaign a success rather than waiting for the government to do because until and unless people change their mindset no movement can be a success.



Modi Government is putting best efforts to promote Girl Child. Sukanya Dev Yojna is an extension of Government’s Beti Bachao Beti Padhao Campaign. The scheme is also known as Sukanya Samriddhi Yojna.


Sukanya Dev Yojna has been started in Post Offices by Haryana Government. This scheme will benefit girl child of age 1 Year to 10 Years. Parents will have to deposit Rs 1000 per month for next 14 Years, totaling Rs 1,68,000. Girl will get Rs 6,00,000 when she will become 21 Year Old. The best benefit is that it is not mandatory to deposit this amount every month. You can deposit it whenever you have, either 1000 per month or as per your convenience. But you have to deposit the amount in average of Rs 1000 per month and total Rs 1,68,000 in 14 Years.

Age Limit

The age limit for opening an account in this scheme is 10Years, and there is buffer period of 1 Year. Means means the girl child who has attained the age of 10 years 1 year prior to the announcement i.e. December 2013 to December 2014, is also eligible to open account under Sukanya Samriddhi Scheme.

Tax Benefits

The amount invested in Sukanya Dev Yojna will be exempted as per section 80C of Income Tax.

Authorized Banks & Post Offices

Sukanya Samriddhi Yojna or Sukanya Dev Yojna is almost a type of Provident Fund Account. Thus we can assume that the banks authorized to open account under PPF scheme is also eligible to open account under Sukanya Samriddhi Yojana. All the post offices are also authorized to open account under Sukanya Dev Yojana.

For NRIs

As per RBI Guidelines a NRI cannot apply for this scheme. The post office saving account rules, 1981, governs Sukanya Dev Yojna, so, NRIs doesn’t come to this category.

Documents Required

Birth Certificate of Girl Child
Identity proof of the depositor i.e. parent or legal guardian
Address proof of the depositor i.e. parent or legal guardian

Premature Withdrawal

Upto 50% amount can be withdrawn for the higher education of girl when a girl reaches 18 Years of age. If the depositor is facing any hardship in running such account, the account can also be closed before the stipulated time.

Transferability of Account

The account is freely transferable to any state of area in India, if the girl moves to other place.

Updated List of Banks to Open Sukanya Samriddhi Yojana Accounts

  • State Bank of India (SBI)
  • State Bank of Patiala (SBP)
  • State Bank of Bikaner & Jaipur (SBBJ)
  • State Bank of Travancore (SBT)
  • State Bank of Hyderabad (SBH)
  • State Bank of Mysore (SBM)
  • Allahabad Bank
  • Andhra Bank
  • Axis Bank
  • Bank of Baroda (BoB)
  • Bank of India (BoI)
  • Bank of Maharashtra (BoM)
  • Canara Bank
  • Central Bank of India (CBI)
  • Corporation Bank
  • Dena Bank
  • ICICI Bank
  • IDBI Bank
  • Indian Bank
  • Indian Overseas Bank (IOB)
  • Oriental Bank of Commerce (OBC)
  • Punjab National Bank (PNB)
  • Punjab & Sind Bank (PSB)
  • Syndicate Bank
  • UCO Bank
  • Union Bank of India
  • United Bank of India
  • Vijaya Bank

Specimen by RBI

RBI has issued a specimen of Application Form and Passbook for the account under SSA. The specimen of Form that Authorized Banks & Post Offices will be using for opening Bank Account is here:

Sukanya Dev Yojna Application Form

Sukanya Dev Yojna Application Form


Here is the format of Passbook for Sukanya Samriddhi Account: Sukanya Dev Yojna Passbook


  • The rate of interest will be calculated at 9.1% per annum.
  • It is not mandatory to make a fixed amount of yearly/monthly contribution.
Sukanya Dev Yojna Yearly Contribution Chart

Sukanya Dev Yojna Yearly Contribution Chart

Sukanya Dev Yojna Monthly Contribution Chart

Sukanya Dev Yojna Monthly Contribution Chart


Prime Minister Narendra Modi has launched a small deposit scheme for girl child, under the Beti Bachao Beti Padhao (BBBP) campaign on 22 January, 2015 in Panipat. It is a scheme called as ‘Sukanya Samridhi Yojana’, under which an account for girls under 10 years of age will be opened. The scheme will ensure equitable share to a girl child in resources and savings of a family in which she is generally discriminated against a male child. This scheme is specially designed to fulfill the girl’s higher education or marriage needs.

‘Sukanya Samridhi Account’ has different features and provides various benefits. This account can be opened on a girl child’s name by her legal guardian or biological parents. A depositor may open and operate only one account in the name of same girl child under this scheme. The depositor (or) guardian can open only two SSA accounts. There is one exception to this rule. The natural or legal guardian can open two or three accounts if twin girls are born as second birth or triplets are born in the first birth itself. ‘Sukanya Samridhi Account’ can be opened at any time from the birth of a girl child till she attains the age of 10 years, with a minimum deposit of Rs 1000. Thereafter the contributions can in multiples of one hundred rupees.

A maximum of Rs 1.5 lakh can be deposited during the financial year. It would fetch an interest rate of 9.1 per cent and provide income tax rebate. The account can be opened in any post office or authorized branches of commercial banks. The account will remain operative for 21 years from the date of opening of the account or marriage of the girl child after attaining 18 years of age. The operation of the account shall not be permitted beyond the date of the girl’s marriage. The deposits in Sukanya Samridhi scheme can be made in the form of cash or demand draft or cheque.

The rate of interest is not fixed and will be notified by the central government on a yearly basis. The account can be transferred anywhere in India if the girl shifts to a place other than the city where the account is. To meet the requirement of higher education expenses or marriage, partial withdrawal of 50 per cent of the balance would be allowed after the girl child has attain 18 years of age.

On attaining age of ten years, the account holder that is the girl child may herself operate the account, however, deposit in the account may be made by the guardian or parents. In the event of death of the account holder, the account shall be closed immediately on production of death certificate.

The balance at the credit of the account shall be paid along with interest till the month proceeding the month of premature closure of the account, to the guardian of the account holder. Public Provident Fund (PPF) has E-E-E tax rule. As per this rule – contributions, accumulation (interest amount) and withdrawal are all exempted from income tax. There is a great chance of including SSA under E-E-E category.

This is great scheme for girl child development, as it will put forward a step toward elimination of gender discrimination among children. This will also encourage parents to ensure equitable share to a girl child in resources and savings of a family. But this all depends upon the mentality of people that how positively they will treat this and prepare them for the change that we all want for the women of India. No doubt that implementing the things step by step will lead to stable position for the women in the country.


Amidst the uproar frenzy over Land Acquisition Bill, Finance Minister Arun Jaitley said the BJP-led NDA government in 2013, the Land Acquisition Bill “fundamental shift” has to consider economic activity, particularly in rural areas, to ensure can be.

Speaking at Columbia University’s students and teachers Jaitley said, “for any government to change the law is quite challenging. The common belief is that you do not approve of land. ”

It arrived on a private visit, Jaitley said that the development of rural roads, irrigation, electrification, livable home for the poor and protect the land required for the projects. However, under the provisions of existing law, no land can not be acquired until then had not visit some of the terms.

‘Activities in this field has stopped completely. Even the defense is able to find a place for the projects. It is a daunting task.

You can not change the method of compensation, but national security, rural infrastructure and some discounts for homes worth living is important. We are now facing the challenge and see how it can be dealt with in Parliament. “

LPG subsidy scheme to be transferred directly into the bank account cash transfer initiatives around the world has become the biggest plan.

Prime Minister Narendra Modi on the achievement, saying that this love will prevent black marketing of LPG subsidies will only needy.

Subsidized LPG in the country’s total number of subscribers is 15.34 million. Of these, more than 10 million customers connected to the gas customer has a bank account number.

Scheme was introduced in 54 districts.

November 15, 2014, the scheme was introduced in the 54 districts, one in January 2015, which has been implemented in the country. 4299 crore through yet been transferred and so far has 11.33 million transactions.

According to a senior official of the Ministry of Petroleum of the scheme awareness campaign among the people who have been showing a positive effect.

India expected a fresh wind is blowing. The new government, the country has a decisive mandate, the country’s development agenda is increasing rapidly. Events in the past twelve months, which has changed, he has built the national psyche. The global investors were already raising questions about India, they are things to improve growth prospects in the country. Clearly, a better destination for India has emerged as the global economy, which is constantly deals with geo-political and economic adversity.

India came into view, the main reason for this change is a positive energy and dynamics of the Prime Minister Narendra Modi. Not only did he lead from the front, but there are also talking about the next generation reforms. The story of India and its long-term ability of the individual to be contacted by world leaders and global investors. This industry has a lot of faith. Whether domestic manufacturing and job creation to revive ‘make India’s initiative or ordinance relating to land acquisition and decided to bring the bill to the insurance, the government has indicated positive on the economic front.

The biggest thing is that the policy of the government to introduce a new approach, giving India drew the attention of the world is once again. Whether foreign or defense policy or government administrative machinery more attractive and assertive approach to fit with a case or social welfare program, government policy-making is showing a clear difference.

PM to focus on the little things and the way to implement it well and a broad vision for the nation is exemplary. I plan Clean India campaign and public funds have a profound impact on the country, because their aim is to give people basic rights. In addition, the government is not ashamed to give subsidies to the poor, but also to improve the distribution system is a priority. Our country is not the lack of resources and solutions, has changed our attitude towards just that. “Digital India ‘initiative as long bridge between India and India and will help maximize the regime.

The greatest strength of India’s youth power (demographic dividend), which is at the core of the new government’s policy-making. Government to focus on building skills of youth is admirable. India not only, but also for the world economy could become a hotbed of human resources supply. Agriculture and environmental improvements to building a modern efficient ecosystem-wide impact. With the development of physical infrastructure development, institutional structures must match exactly, which India must do.

Inclusive growth is a priority for any country. And when the Indian economy opened up, work on this front, we have enough. Various socio-economic parameters such as improved education and health services, as well as the average age is increased availability, but we have a long way to go.

Development and social welfare in the name of the last several decades, the government subsidy has gone into heavy losses. From road construction and school health services to the people, the government is supposed to do everything. Government should continue? The course can not be diverted away from social welfare and development, but it is time for a new approach to keeping and some tough decisions. What market forces and competition can tell it better.

Take the example of the telecommunications sector. In 1990, the density of telecommunications in India was less than three per cent in the rural areas was almost zero. But today, the figure is 75 per cent and 45 per cent in rural areas. Telecom’s positive impact and job creation, efficiency and impact on GDP, see the qualitative. Certainly the study of economic reform and the free market is the best subject. The telecommunications revolution led by private mobile operators across the country to overcome the digital inequality. 38.5 million mobile subscribers in rural India is still, 90 percent of which are dependent on the consumer private network operators worldwide who are talking on the minimum call rate. Consumers have several options, which are private operators call rates. Some success stories like banking, insurance, are likely to see in the areas of food processing.

The industry strongly supports the government’s point of view and is willing to invest in the development of India. Regular dose of reforms and we need to build a business environment which promotes innovation and entrepreneurship. We have made a good start. I feel like the last half decade as China, India can be the same way the next decade. We have to build the future of India.

‘Make in India’ is a concept proposed by our Prime Minister Shri Narendra Modi on 25th September 2014 for attracting investments from business around the world, and thus in a way strengthening India’s manufacturing industry. The main objective of ‘Make in India’ program is to make India a manufacturing hub, to create jobs for our educated youth and thus making India a self-reliant country. It will enforce the inflow of FDI. It will not only bring the economic transformation in India but will also let the government to utilize the human resource in a better way. The idea of ‘Make in India’ sounds very innovative but as we know every good side has a bad too, so same is the case with this program. This topic has become a brain storming for people as it should be ‘Make in India or Made in India’.

Basically India is a service industry which is trying to move its focus from the tertiary sector of the economy to the manufacturing sector. Keeping this goal in mind, ‘Make in India’ campaign was launched, so that more and more foreign investment can be in flowed.  It will also help to solve the problem of employment needs of our growing population. On the economic front, it will boost trade and provide a link with the global supply chain and will reduce the current account deficit.  It can expand the investment in infrastructure development. It will strengthen the bonds with other countries but will also provide a stable Indian economy.

But on the other hand, it has many disadvantages too. In ‘Make in India’ program we will just import the technology so that India will pay for the technology in terms of licensing cost, up-gradation cost, etc. Also, we do not have any control on the source of a company’s raw material supplies.

The outsourcing company bounds India by contract and will not share its secrets. There will be one more drawback, if some equally good competitor comes from another country, say from Africa or south America, where the conditions become suitable for manufacturing, then these companies can shift their base from India causing a significant number loss of employment.

Made in India can be an answer to these questions. It can encourage entrepreneurs to start up their business and be a part of the global skill pool as India lags behind in “home-grown brands” like German cars, Swiss chocolates and British scotch.  Made in India will provide strategically benefits in terms of defense and nuclear energy sector which are crucial from the political perspective.

We have many examples of already working Made in India campaign which needs to be enlarged. CavinKare is one of the examples. Started as a small personal care products company now it is one of the big brands of South India. It derives 7 per cent of its revenues from international markets. It was started by C K Ranganathan with a little investment is now a company with 1,250 crore annual turnover and 5000 employees. Make in India is a good campaign but Made in India is far better.

The former will serve only the short term purpose. We should not be only good workers but we can be great entrepreneurs with new and fresh innovative ideas. What we only need is courage to think and start along with government support for investments. We can make our own brands and can create market for them internationally. In Software sector also we are only in service part. Another such example is of Patanjali group, which has created its own brand. Today Patanjali firm has also established its roots in not only in India but has also created its name outside India. So the government should applaud such daredevils who take the risk of creating new ideas and successfully implementing them.

So ‘Make in India and made in India’ both can be beneficial for India. India can benefit temporarily from outsourced manufacturing plants but it cannot stress it beyond a limit. It should rather focus more on encouraging research and development and bringing industrial innovation. Make in India should be a start to achieve the long term goal of made in India. Such drives are the need of the hour for making India self-reliant.


About 100 corporate party courted by celebrities. Among those joining the party of T Nita Agarwal Lamba icon Jasmeet of Technology, Kapil Kumaria Corporate Alliance, the Inter Globe Anil Parashar.

Also, Bank of India, Rediff, hannibal, Spice Jet, Global International, Bnbbaryir, Starhud hotels, Delfai many CEOs and senior executives, including the BJP courted.

Subscribe to corporate leaders, the party chairman Amit Shah to give not only the BJP but the country will be even stronger. During the greater number of these people

Creation of employment opportunities in the country and pledged to employ youth.

Amit Shah Modi government claimed that the country has gone 8-month tenure. Government of India’s skills, including digital India and make policies and programs in India have begun to take shape and it will come out best.

He said that in the corporate world should support these plans. Their collaboration will accelerate the development of the country.

The party’s youth wing president Anurag Thakur and secretary Shrikant Sharma were also present. Thakur said that a new class of society today is having a party and decided to deal with the thousands of people who join the party. He said the country needs an industrial revolution and corporate leaders will be his witness.

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Minister Narendra Modi’s ambitious plan what is planned and what are the benefits of prosperity. Sukanya Samridhi Plan under 10 years old daughter will be opened. It can be submitted at least one thousand rupees. Whether the daughter of a father in the account can put ten thousand to thirty thousand dollars.
These account holders from other accounts on behalf of the government will be more interest. Also the girl’s father will not take income tax on this amount. Daughter 20 years after the completion of the bank amount will be removed.

Prime Minister Narendra Modi on stage in the country to implement the plan was announced. He said that after Sukanya Samridhi  Plan shall be deemed to not be dependent on any daughter of his father, but his father would associate pleasure.

The key point scheme.

-chandigdh Launched in 100 districts of the country, including
By the age of ten from -jnm will ever account
Start Plan has been ten years old when the girls, their parents will be able to open an account
Plan for the facility will have two daughters. But on the third to be born twin daughters will benefit
Nobody notified by the Government of the post office or bank branch will be able to open an account with a thousand bucks
-Everyone Least a thousand years and a maximum of thirty thousand dollars can be submitted
To deposit funds to the account-opening fourteen
-khate The maturity of the opening will be on completion of 21 years
-filhal It is not certain how much interest on deposits under the scheme will.

Prime Minister Narendra Modi daughters golden land of Panipat launched plans for the future prosperity and PM Sukanya different parts of the state’s five daughters handed pass. The Panipat and Karnal, a daughter is two and Chandigarh.

Prime Minister Narendra Modi on stage in the country to implement the plan was announced. He said that after Sukanya Prosperity Plan shall be deemed to not be dependent on any daughter of his father, but his father would associate pleasure.