How to Apply for Mudra Loan

About MUDRA Loan

PMMY – Pradhan Mantri MUDRA Yojna, MUDRA Loan is scheme launched on 8th April 2015 by Hon’ble Prime Minister Narendra Modi. The MUDRA loan is provided to non-farming and non-corporate micro and small enterprises upto Rs 10 lakh. These loan are categorised as  MUDRA loans under PMMY.

All including Commercial Banks, Cooperative Banks, RRBs, Small Finance Bank, NBFCs and MFIs are allowed to grant these loans to all borrowers.

Any eligible borrowers can approach to above institutes or thru online portal. Under the aegis of this PMMY scheme, MUDRA has categorised the loan into three categories. The categories are defined as per the loan amount borrowing by the applicant. The three products are namely – ‘Shishu’, ‘Kishore’ and ‘Tarun’ basis the stage of growth, development and funding requirement of the beneficiary. These beneficiaries may also the growth structure for the next level to apply for the loan.

Following are the Product wise loan matrix:
  • Shishu : Covering loan upto Rs 50000/-
  • Kishor : Covering loan upto Rs 50000/- and upto Rs 5 lakh
  • Tarun : Covering loan upto Rs 5 lakh and upto Rs 10 lakh
Purpose of the Mudra Loabn

The Mudra Loan is extended for several purposes of the borrowers in terms of provide income generation and employment development in the field of Manufacturing, Retail, Services and Agriculture Allied Activities.

Documents Required for Pradhan Mantri Mudra Yojana
  • Mudra Loan Application Form,
  • Two passport size colour photos.
  • Photo Identity proof.
  • Address proof.
  • Income proof.
  • Bank statement (last 6 months)
Age limit for Mudra Loan

Although there is no age limit set for Mudra loan application. However, any Indian individual applicant between the age group from 18 and 60 is will be eligible for a loan. Perhaps there are basic documentation etc is needs to be fulfilled by the applicant for the eligibility to get mudra loan. Please this is just an indicative list – the requirement may vary bank to bank.

Processing Fees by SBI (as on 05 Oct 2018):

  • Shishu : SBI – NIL
  • Kishore : SBI – NIL
  • Tarun : SBI – 0.5% (plus applicable taxes) of the loan amount

Rate of Interest of Mudra Loan (as on 05 Oct 2018)

Bank Interest    Rate Loan                     Amount

HDFC Bank      10.99% to 20.70%       Maximum INR 15 lakhs

ICICI Bank      10.99% to 17.99%       Maximum INR 20 lakhs

OBC                10.65% to 11.65%       INR 50,000 to INR 10 lakhs

 

Photo by rawpixel on Unsplash

Top Five Healthy Heart Tips to start from today

Healthy Heart Tips is most important for today’s world.
Everyone is aware that regular exercise and balanced diet can keep our heart healthy. But are we aware that what other way to keep our hear beat stronger? Here listing five points key to follow every day that help heart to work more efficiently. Include these few good habits into your daily lifestyle and keep your heart healthy for you.
Big NO to trans fats – Eat only healthy fats

Fat is the one of the essential part of our diet, including saturated and polyunsaturated and unsaturated fats. But, we don’t need the trans fat, which increase the chance of risk in developing heart disease or a stroke over a lifetime. Easting trans fat can clogs your arteries by raising your bad cholesterol levels (LDL) and reducing your good cholesterol levels (HDL). By cutting trans fat from your diet, you increase the blood flow throughout your body. Drinking green tea also help us in reducing the Fat.

So, what do we mean by trans fats?

Trans fats are industry-produced fats and often used in packaged baked foods, snack items, margarines and fried junk foods items to add its flavor and texture.

Gudtoknow – We should reduce eating such food items that contains trans fats.

Good Dental Hygiene Practice – especially flossing your teeth daily

Overall health can also be monitored thru good dental health that includes your heart, people have periodontal (gum) disease are also often have the same risk factors for heart disease. Researcher are continue with their study on this topic, but many studies have shown that the bacteria in mouth can increase the chance in developing gum disease which can further move into the bloodstream and may also increase risk in elevation of C-reactive protein, a indicator for inflammation in the blood vessels. This change in our blood vessels may turn into increasing risk of heart disease and a stroke.

Gudtoknow – Daily flossing and brushing of your teeth can keep gum disease at bay. Gum disease are often more than cavities you may have to deal with.

Good Night Sleep – The key for good hearth health

Good night sleep is an essential to keep the heart more healthy. It is no matter what is your age or other health habits, if you don’t take enough sleep, you may have a higher risk for cardiovascular disease. There is one study done on 3,000 adults over the age of 45 years and found that, people who slept less than 6 hours per night were about twice chance to have a stroke or heart attack as compare to people who slept six to eight hours per night. Studies showed the result that sleeping too little can cause disruptions in underlying biological processes and health conditions, which also include your blood pressure and inflammation.

Gudtoknow – Sleep is the priority. Ensure 7 to 8 hours of sleep in most of the nights. If you have sleep apnea, this should be treated, as this condition is linked to heart disease and arrhythmias.

Sitting too long at one time

It is observed and suggested in recent research that staying seated for too long periods is bad for your health, it also doesn’t matter that how much exercise you do. This has come up as bad news for the many employees who have sedentary sit at jobs for all the day. Researchers also found in various study that those who have sat the most, there was a good number of people increase in cardiovascular events and increase in death caused by these events. In addition, it is also found that sitting for too long periods of the time (especially while travelling) increases your chance of getting risk of deep vein thrombosis (a blood clot).

Gudtoknow – It is important to walk and move throughout the day. Park vehicle farther away from the office, shorter walks throughout the day. Use standing work station so you can move up and down. Make a daily 30 mins exercise schedule for on most the days.

Passive Smoking or Second-hand smoke is like the plague – Avoid it.

Studies also showed that people exposed to second hand smoking is having 25 to 30 percent risk of developing heart disease as compare to other people avoiding it. It is also observed that tobacco smoke exposure can contributes to about 34,000 premature deaths due heart disease and 7,300 people died due to lung cancer each year. Those who doesn’t not smoke but have high blood pressure levels or high blood cholesterol levels are also have greater risk of developing a heart disease when they’re exposed to passive smoking. The chemicals emitted from a cigarette smoke also promote in developing the plaque build-up in the arteries of passive smoker.

Gudtoknow : Health is wealth, we need to firm with people smokes that you do not want to be around environmental smoke — and we need to keep our kids away from that second-hand smoke.

For healthy heart, these five tips will favor.

This will also enable you to be more active with a healthy heart lifestyle.

Photo Credit by Anna Kolosyuk on Unsplash

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Chhaya Malhotra Makeovers – Professional Makeup Artist

The wedding season is ticking around the corner in India, it’s time to choose Delhi’s Best wedding makeup artist. If you are looking for best professional makeover makeup artist for a wedding, engagement, party, cocktail dinner in Delhi and around. You are at one stop destination for all your needs, Chhaya Malhotra is one of the freelancer makeup artist fits in all type of budgets. We will love to make you stand-out of the crowd and we are sure you love it too.
Chhaya is professionally trained from one of the elite institute in Delhi, she is expert in
1. Complete Makeover
2. Makeup for Shoot,
3. Pre and Post wedding Make-up
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5. Hair Coloring, Re-bonding, Smoothing, Hair Spa,
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She is the one of the premium makeup artists in Delhi to the wedding of royal ‘Dulhan” makeup.
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How to Create a Wikipedia Page – Step-by-Step Approach

Wikipedia Profile Creation for Promotional Purposes

How to start a blog & Wikipedia profile for promotional purposes

Wikipedia Profile Creation for Promotional Purposes

Wikipedia is a multilingual encyclopedia that offers meaningful information. Being launched in 2001, Wikipedia offers about 5,722,807 articles in 300+ languages. The website has about 18 billion page views along with 500+ million unique visitors.
The website offers open-door policy and allows almost everyone to make an edit. Though the website has received mixed reviews from competitors for including truth, half-truth, and controversial media, but Wikipedia gained the title of “The Good Cop” by the Washington Post. With such a massive subscribers’ base, Wikipedia can make a business go successful online.
But, adding content on Wikipedia isn’t easy as it sounds. Thus, in this article, we are going to reveal how to start your blog and create Wikipedia profile for promoting your business. Read along to discover everything:

How to Create a Wikipedia Page – Step-by-Step Approach

Below are the steps that you can follow to create your page on Wikipedia:

Perform Your Research

Before writing any content on Wikipedia, you need to know about the Wikipedia community. You should know about the ins and outs of being a decent Wikipedia professional, as it ensures your page isn’t deleted or challenged after submission. You can read different articles before creating your own.

Create an Account

You can become a registered user through making changes to one of the existing Wikipedia pages. Interestingly, account creation is simple and it is suggested that you pick your genuine name and email address.

Begin with Small

It is wise to start with small edits to current pages. This will test your skills prior to creating new content. Many people start editing pages that they are aware of. For instance, you can begin with adding meaningful information to a content that you find on internet, but be prepared to add a reliable reference to back it up.
By making slight changes, you can get familiar with content management system and build a Wikipedia profile. The moment you create an account, any change you make on Wikipedia is kept on record that is accessible to everyone.
Fortunately, with sufficient editing and activities creation, you can achieve the title of “Auto-Confirmed User”. It will allow you to perform exclusive functions such as image upload and moving a page to public space.

Gather Sources

When you feel to write for Wikipedia, start with gathering sources for the article. In this way, you will save a lot of time during writing. In addition, sources play a key role in Wikipedia. In reality, Wikipedia serves as an encyclopedia not a source for promotion. Everything on a page should be verified, and provide users with valid information about a product or service. Only through this way, you can promote a product on Wikipedia.
If you happen to be a celebrity or public figure, still you cannot just sit and write on Wikipedia. Having said, you will require third party sources such as magazines, articles, video, and more media to support information.
All the content that you add on Wikipedia must be factual and impartial. For instance, if you’re creating a page about a gadget, you should include information about the competitors along with the links to their websites. The information you include shouldn’t be accused of any misrepresentation. Also, you should include images that you own or the ones that aren’t subject to copyrights.

Write Copies

Besides the above-mentioned steps, you should be ready to write and post Wikipedia content. In addition, you can add a page to Sandbox that will allow you to format it. Formatting a page with “Wiki Code” can take a while. Many times, people face disapproval on their content, as Wikipedia guidelines are strict. But, by choosing Professional Wikipedia Writers, you will have more chances for content approval.

Page Submission

Upon completion of your page, you can check if it is error-free. You can finally submit the page to Wikipedia for review. It can take about few days to weeks or even more to receive a response from Wikipedia.

Why Should You Create a Wikipedia Page?

Wikipedia is considered as an evergreen encyclopedia that contains pages, articles, and in-depth knowledge about the most complex subject. Now, if you’re thinking about why exactly you should create a Wikipedia page, then below are the top reason for it:
  • You can promote about an industry-reshaping technology that your company has invented. This technology can belong to either the mechanical to electric industry

 

  • You can highlight how notable your company or founder is. Wikipedia editor offers a “Notability” test to identify if Wikipedia permits your subject. In case, your company has innovated a product, then your company might be a good candidate

Final Words

Wikipedia is one of the largest online platform for reliable information. So far, we have revealed the steps to start a blog and profile on Wikipedia for promotion. You should review the policies and guidelines provided by Wikipedia to ensure your write-ups aren’t disapproved.
In addition, understanding the writing style and tone of other writers will help you produce quality-content. Many Wikipedia editors suggest paying close attention to the key policies such as keeping an impartial point of view and avoiding controversies.

Though you can promote a product on Wikipedia by staying unbiased about it, but you need to understand that Wikipedia pages can’t be treated as marketing collateral, and thus they represent impartial point of views about any subject.

Thanks for the Article – Salman Ahmad

जानिए म्यूच्यूअल फण्ड के बारे मे !! 

म्यूचुअल फंड

म्यूचुअल फंड क्या है?

हम आपको इसके बारे बहुत ही साधारण तरीके से समझाते हैं। मान लेते हैं की यदि आप एक निवेशक है लेकिन आपको शेयर और स्टॉक मार्केट का कोई भी ज्ञान नहीं है। आपको किसी की मदद चाहिये। आपको क्या करना चाहिये, वो है म्यूचुअल फंड स्कीम। म्यूचुअल फंड स्कीम लोगो से पैसा एकत्र करती है और एक साथ बड़ी मात्रा में शेयर खरीदती व बेचती है!

अब हम आपको एक उदाहरण देते हैं

मान लीजिये, एक म्यूचुअल फंड स्कीम है गुड रिटर्न्स फंड, जिसे गुड रिटर्न एसेट मैनेजमेंट कंपनी लॉन्च करती है। यह कंपनी नये ऑफर के साथ मार्किट में आयेगी। उस ऑफर का नाम है गुड रिटर्न मिड कैप स्कीम। निवेशक उसमें निवेश करते हैं और कंपनी 120 करोड़ रुपए इकठ्ठा कर लेती है। अब यही कंपनी इन रुपयों को शेयर बाजार में निवेश करेगी। अगर यह स्कीम इक्व‍िटी स्कीम है, तो 120 करोड़ का ज्यादातर भाग शेयर बाजार में लगा देगी। यदि यह डेब्ट स्कीम है तो कंपनी इसी पैसे को सरकारी योजनाओं, बॉन्ड आदि में निवेश करेगी। अब अगर कंपनी ने आपको शुरुआत में एक यूनिट की कीमत 12 रुपए ऑफर की थी। यानी आपने 12 रुपए की दर से 1000 यूनिट खरीदीं और आपने 12 हजार रुपए निवेश किये। एक साल बाद गुड रिटर्न मिड कैप द्वारा जो पैसा शेयर बाजार में निवेश किया गया था वह बढ़कर 14 रुपए प्रति यूनिट हो गया। तो आप अपने म्यूचुअल फंड को वापस कंपनी को 14 रुपए की दर से बेच सकते हैं, जिससे 1000 यूनिट पर आपको 14000 रुपए प्राप्त होंगे।

क्या होता हे अगर नया खरीददार यूनिट खरीदने का इच्छुक हो?

नये खरीददार के लिये जो यूनिट खरीदना चाहता है, उसे अब 14 रुपए प्रति यूनिट की दर से धन जमा करना होगा। क्योंकि उस स्कीम की कीमत चढ़ कर 14 रुपए हो गई है। इसका मतलब उसे 14 रुपए देने होंगे। नीचे दिये गये उदाहरण में हमने इसे साधारण बनाने की कोशिश की है, यह मानकर कि गुड रिटर्न मिड कैप फंड एक ओपन एंडेड फंड है। हम यहां पर आपको एंट्री लोड व एक्ज‍िट लोड के बारे में जानकारी नहीं दी है। ताकि आप कंफ्यूज नहीं हों।

भारत में म्यूचुअल फंड के प्रकार आगे भी हम आपको यह समझाने के लिये अपनी बात बहुत साधारण तरीके से रख रहे हैं, ताकि आप म्यूचुअल फंड को अच्छी तरह समझ सकें।

 1. इक्विटी फंड

इक्विटी फंड स्कीम होती है, जिसमें म्युचुअल फंड कंपनी द्वारा निवेशकों से इकठ्ठा हुए धन का ज्यादातर भाग इक्विटी अथवा शेयर मार्केट में निवेश कर देती है। ये हाई स्कीम हाई रिस्क होती हैं, जिनमें निवेशकों को घाटा भी हो सकता है। ऐसा इसलिये क्योंकि इसमें ज्यादातर पैसा शेयर बाजार में फंसा रहता है। इस प्रकार की स्कीम ऐसे निवेशकों के लिये अच्छी रहती हैं, जो रिस्क ज्यादा रिस्क ले सकते हो।

2. डेब्ट फंड

डेब्ट फंड स्कीम के अंतर्गत इकठ्ठा हुआ ज्यादातर कॉरपोरेट ऋण स्कीम, सरकारी स्कीम, आदि में निवेश किया जाता है। इस प्रकार का म्यूचुअल फंड उन निवेशकों के लिये उपयुक्त रहता है, जो रिस्क नहीं लेना चाहते हैं। इसमें पैसा वापस होने की लगभग गारंटी रहती है।

3. बैलेंस फंड

बैलेंस फंड में कंपनी सभी निवेशकों से प्राप्त धन को इक्विटी और डेब्ट दोनों में निवेश करती है। इसका मकसद भी अंत में भारी मात्रा में धन कमाना होता है। जाहिर है कंपनी बाजार के उतार-चढ़ाव को ध्यान में रखते हुए शेयर मार्केट में पैसा डालती है, ताकि ज्यादा से ज्यादा धन कमा कर निवेशकों को एक अच्छा रिटर्न दिया जा सके।

4. मनी मार्केट म्यूचुअल फंड

मनी मार्केट म्यूचुअल फंड को लिक्व‍िड फंड भी कहते हैं। उसमें कंपनी निवेशकों से लिया हुआ पैसा सुरक्ष‍ित व शॉर्ट-टर्म स्कीम में लगाती हैं, जैसे सर्टिफिकेट ऑफ डिपॉजिट, ट्रेज़री एंड कमर्श‍ियाल पेपर, आदि। ऐसे निवेश कम सीमा समय के होते हैं।

5. गिल्ट फंड

गिल्ट फंड को सबसे ज्यादा सुरक्ष‍ित निवेश माना जाता है। इसमें कंपनी निवेशकों से लिया हुआ सारा पैसा सरकारी योजनाओं में लगा देती हैं। क्योंकि उसमें सरकार का विश्वाव होता है, इसलिये पैसा डूबने का कोई खतरा नहीं के समान होता है। इसीलिये यह सबसे सुरक्ष‍ित म्यूचुअल फंड है।

म्यूच्यूअल फण्ड सही है!!

6 Amazing Health Benefits of Drinking Coffee Daily

It is proved in several study that the Coffee is packed with amazing benefits like fat burning , rich source of the fiber, improvise the physical strength, reduce the risk in developing type-two diabetes, improvise liver health, promote in good moods and also help in fighting the depression issues. There are other benefits of drinking of coffee as well. It reduces the risk of cancer, heart disease, sustain the eye health, instant energy level booster, and prevent Alzheimer.

So let us first understand what is Coffee?

The most popular beverage in the world since it has rich flavour along with amazing health benefits. It is made from roasted coffee beans produce from berries of the plant coffee, the original origin of the coffee can be consider to Africa, but now it is grown in more than 70 countries across the world. Roasted dried seeds varying degrees depending on taste people desired, which is later ground & brewed into our delicious coffee beverage we know and love.

Following are the remarkable Health Benefits of Coffee

  1. Coffee helps in Fat Burning

It is proved that coffee is most popular due to its health benefits of caffeine and its ability to promote in fat burning, leading to larger weight loss. It is also a thermogenic, which helps is in increasing the metabolic rate, which ultimately helps us in burning of high calories that could have been burned with no additional work. This is not enough; coffee can do much more than this for us.

Coffee also help in specific oxidation of fatty acids in our blood through injecting the amount of triglycerides cycle in our blood. Apart from that , caffeine removes chances of storage of new fat and also ensuring that as you burn fat it is not just replaced by new molecules. So the coffee is extremely attractive for people trying to lose weight.

 

  1. Big source of the Fiber

It is noted that most people around us find difficulties in meeting their daily fiber requirements. Most of the people under estimate the powerful impact of this beverages to have in daily diet and good contribution to your daily fiber intake. 250 ml coffee cup of can supply upto 2g of fiber, which equate to about Five % of recommended daily intake.

 

  1. Another benefit of coffee is to improves Physical Performance

Like to improve your physical performance isn’t something that just comes about by chance, but its require hormonal and neurochemical changes that stimulate high performance. For example, coffee has caffeine which stimulates the nervous system, which in turn signals various endocrine glands and organs to stood up and start the job. The adrenal glands are one of these, which increase the production of epinephrine hormone. Epinephrine is responsible for our “fight or flight” reflex and preparing us for worst or to run away as fast as we can.

One of the effects of this hormone is to increased fat breakdown and convert into fuel for body, which in turn acts as a reserve so that you are capable of handling the incentive you are about to encounter. The coffee is proven to be able to increase performance on average of about 10%, this is why many athletes either drink coffee or take caffeine prior to their workouts.

  1. It is another factor to Reduce Risk Of Developing Type 2 Diabetes

It is also proved in various Studies that regular consumption of coffee can help us in reduction of the risk of developing type 2 diabetes, by as above > 60%. This is really huge, and this can attribute to more than just coffee’s caffeine content. Coffee is actually a superdrink which fully loaded with the brim of anti-oxidant compounds. It is also believed that these anti-oxidants preserve the function of insulin producing cells in the our pancreas, which is sometime become damaged and are unable to produce sufficient insulin.

 

  1. The health tonic for Your Liver

Liver is one of the most important organs in the human body and being necessary for breakdown, its help us in removing  all toxins from our bodies produce every day. Liver is an extremely hardy organ our body have, and its typically recovers on its own from over usage, today’s bad lifestyle habits along with aging & other health hazards causes damage and excess oxidative stress to liver can promote hepatitis or ultimately cirrhosis. Consuming 4 cups of coffee daily has been shown to reduce the likely-hood of liver damage, it is possibly due to coffee’s high amount of anti-oxidants.

  1. Consumption Temporarily Boosts Energy Levels

Coffee has a many reasons for millions of people, and it is likely because of it has effect on energy levels. It’s no surprise that many of us have a hard time getting up and going in the morning time, but luckily our one cup of coffee has enough caffeine in to boost up our energy levels. This is purely due to caffeine’s stimulatory actions, which stop the adenosine receptors in our brain (that cause sleepiness), and also amplifies the production of various other hormones and neurotransmitters that boost our energy levels, such as epinephrine and norepinephrine.