Thursday, 10 November 2016

Revealing the scene behind demonetised 500 and 1000 banknotes

Tuesday was a day of break out with major decision to demonetise Rs 500 and Rs 1,000 currency notes. After a surprise announcement of banning circulation of currency notes, Narender Modi, all excited to fight against Black money. It's like circulation of currency notes, Narender Modi, all excited to fight against Black money. It's like sword hanging over heads of Black money investors in order to make the economic system strong..

The grounds for this extreme step was illegal increase of false money. Across the country, this abolishment left people astonished and inconvenienced too. Some praise PM for such a great move but some are under Dilemma how and what to do now.move but some are under Dilemma how and what to do now.

Even our beloved B-Town celebrities posed strong reactions on this shun and see what they shared:

In History

Going into the history, similar circumstances stated in India after independence. In 1954, currency notes of 1000 and 10,000 rupees were banned and a new series of 1000, 5000 and 10,000 rupees were reintroduced and then these demonetised in Jan 1978. Concluding inflation within this period, 1000 notes came back in circulation in November 2000...

However, on the positive note, new 500 and 2000 denomination banknote will be introduced from November 10 as stated by Modi. In addition, Banks and ATM's were closed on November 9, 2016 for public dealing. On November 10, the ATMs at some places will not function, he declared.

From November 10 till December 30, 2016, Indian citizen are free to do

Deposit old notes of Rs.500 or Rs.1000 in banks or post office accounts without any limit. However, there will be a limit on withdrawals of Rs. 10,000 per day and Rs.20,000 per week. You can access and exchange only Rs.4000.
After December 30, you cannot change the currency
During this time, tourist can change banknotes during their journey at their respective airports.
Till November 11, government hospitals will take 500 and 1000 notes. Moreover, the prescription given doctor can be accepted.
Petrol pumps, coming under public sector, milk booths and burial grounds, authorities also accept notes till Nov 11.
Use of Coins will also keep up to be a legal.
Online transactions and card payments will not be affected through this ban.

But is it enough to handle the present situation holding various circumstances?

Let's see Pros and Cons that really change the whole Economy scenerio:

Pros

Curb the problem of Corruption (for some time at least): To curb the Corruption, this step somehow help general public to get relief.
End to circulated fake notes:The fake (Duplicate) money which already circulated in Economy will be discarded and left no use.
Fall in consuming of Black Money: For Black money holder, Modi's decision curse their foul feet and teach a lesson not to hold untaxed money.
Halt smuggling and terriorism : Terrorist from 'Pakistan' and 'China' are spreading terrorism through Black money, so this act will put a stop on this whole act of voilence, maintaing peace and harmony in India.

Cons

Botheration for general public: Though this decison is for Defaulter but botheration will harash innocent people who earned money by hard work and donot aware with with new rules and policies.
Fall in Tax Payers Money: For Printing 500 and 1000 notes requires expenses that government would surely pay money from deposit of Taxpayers.
Highten initial corruption: Pandits in Religious places are exchanging money to defend Black money investors, is a real example how corruption in another will grows its roots deeper.

Conclusion:

We have seen various factors (Good or bad) Reviewing the whole article, Do you think, It is a right decision to be implemented? Though it is motivation act to handle Black money but somewhere general public will be affected at large! Although This step will definitely hassle your lifestyle in few coming months and somewhere general public will be affected at large! I personally request Indians to accept and contribute well. Share your fair views!

Wednesday, 3 February 2016

Financial Inclusion In India

An act of offering financial services to weaker section or low income bearing parts of the community at an affordable cost is known as Financial inclusion. This works in the counterpoint of financial exclusion where such finance related services are out of range or unavailable.

Guidelines on Financial Inclusion:

From “One District to many Banks” model has shifted to One district many banks leader bank”. The freshly updated guidelines are to implement EBT for the low value accounts and leading its funds to rarely serve very low bearing areas.

Define EBT:

Reserve bank of India (RBI) adopted “Bank led Model” for applying Financial inclusion in many distinct areas with low priced and effective services. By utilizing multiple delivery channel including intermediary low cost brick or mortar structures,branchless banking through Business Correspondents.Other models like rural ATMs, Mobile vans etc. also handles in all over the villages.

Usage of EBT:

The central and State Government has institutionalized several welfare schemes like social security, pensions, Mahatma Gandhi National Rural Employment Guarantee Scheme (MNREGS), National old Age Pension (NOAPS) insurance scheme etc. for the benefits of the poor.

Payments in such welfare scheme are being made directed either in Kind/cash or through indirect subsidies like PDS. Such payment are being routed by the Government through various agencies. The success of the welfare scheme/state Benfits Transfer must ensure timely disbursal of the benefits without any leakage.

About the New Model:

Keeping in view the need to spread the banking habits to all the villagers, it is advised that “One District many banks –One leader bank” Model must be adopted henceforth for EBT implementation. In this model, all the banks present in the district participate in EBT, though for administrative convenience he state Government deals only with one leader bank. State Government shall designate the leader bank, in consultation with the Regional office of RBI and the SLBC, who will obtain the funds from the State Government and in turn will arrange to transfer funds interbank transfer to other banks for credit to the accounts of ultimate beneficiaries account on a commission basis.

Scenario in India:

In India, this is a newly launched scheme. As an experiment, in 2007 Andra Government launched this process in two districts to analyze its effect and benefits related. New technologies were seemed to take in practice like Biometric Smart Cards and Pocket Service Terminals. Analyzation and identification of its benefits were carried out by business correspondents as Third-party non-bank entities contracted by financial institutions.

By its tremendous success and for the welfare of village based group of people, Traditional payment system in India known as Electronic Benefit Transfer (EBT) has put forward promptly by providing Biometric smart cards in a rural section of society. Since then, EBT has become a powerful tool and primary in function for distributing social security pensions and salaries throughout India.

Coming up in 2009, the Orissa government signed a memorandum of understanding (MoU) with SBI for setting up an EBT scheme for National Rural Employment Guarantee Act (NREGA) at large. For the purpose of delivering payments, wages and other related social security benefits to beneficiaries, it comes in leading role.

At first under the “One District Many Banks” model, it has been launched in Bellary, Gulbarga and Chitradurga districts ok Karnataka followed by another Model “One District One Bank” model for another three districts. The major benefits connected with EBT was it save time and send the payment of pension beneficiaries at their doorway.

Today, more than 1.2 billion people involved in banking and banking system introduced when even water has not reached yet. Is this not a way to success …

Friday, 15 January 2016

DIRECTION- II

>>CLICK HERE TO DOWNLOAD PDF FILE OF DIRECTION-II..

Direction-II includes degree based puzzles. During schooling, Trigonometry was main and interesting part of Maths in which angle based question were used to come.

Let’s recall the concept..

Starting with Zero degree

First Quadrant covers 90 Degree
Second Quadrant covers 180 Degree(Half of a circle or semicircle)
Third Quadrant covers 270 Degree(1/3 of complete circle)
Fourth Quadrant covers 360 Degree(Complete circle)

By default, we follow clockwise direction as we have seen above. But when we talk about Anticlockwise, the above diagram goes reverse.

Important fact related to directions is “Two Degree can only be computed, if they are in the same direction, whether Clockwise or Anticlockwise.”

i.e. 45 Degree (Anticlockwise) – 30 Degree (Anticlockwise) = 15 Degree (Anticlockwise)

Take some puzzles based on this...

Problem1:A man is facing west. He turns 45 degrees in Clockwise and then another 180 degree in the same direction and then 270 degrees in anticlockwise direction. Which direction is he facing now?

Solution:

Step1: Add same directional degree first as 45+180 = 225 degrees (Clockwise)
Step2: Anticlockwise Direction is 270 degrees
Step3: Subtract Anticloclwise –Clockwise as 270-225= 45 degree
Step4: In the complete Journey, he goes 45 degrees extra in Anticlockwise direction
Step5: A man is facing west, by going 45 degrees in anticlockwise, he will face south west as shown below:

Problem2:A man is facing North-west. He turns 90 degrees in the clockwise direction,then 135 degrees in the anticlockwise direction and which direction is he facing now?

Solution:

Step1: He turns clockwise 90 degrees and Anticlockwise 135 degrees. Subtract both as

135-90= 45 degree (Anticlockwise)
Step2: Man facing North West as

Step3: After 45 degrees turn, he stands straight in West Direction.

Problem3:A man is facing North-west. He turns 90 degrees in the clockwise direction, then 180 degrees in the anticlockwise direction and then another 90 degree in the same direction. Which direction is he facing now?

Solution:

Step1: First add the same directional degrees

180 + 90 =270 degrees (Anticlockwise)
Step2: Subtract Anticlockwise and Clockwise degrees
270-90= 180 degree (Anticlockwise)
Step3: A man facing North- west. When he move 180 degrees anticlockwise, he will reach in the fourth quadrant in South -East direction as shown below:

Problem4: I am facing east. I turn 100 degrees in the clockwise direction and then 145 degrees in the anticlockwise direction. Which direction am I facing now?

Solution:

Step1: Clockwise turn =100 degrees, Anticlockwise Turn = 145 degree. Subtract Both as

145-100 = 45 Degrees (Anticlockwise)
Step2: I am facing towards, by turning 45 degrees Anticlockwise, I am facing North-East direction now as shown:

Problem5: Karan walks positioning his back towards the sun. After some time, he turned left then right then towards the left again? In which direction is he going now?

Solution:

Step1: Two cases evolved here Sunrise and Sunset
Step2: During Sunrise, the Sun rises from the East. This way he is going to the South

Step3: During sunset, the Sun sets in the West. This way he is going to the North

Step4: He is going in the North or South considering both cases.

>>CLICK HERE TO DOWNLOAD PDF FILE OF DIRECTION-II..

Related Posts:
Direction-I
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Symmetric Relation II (Ranking puzzles)
Symmetric Relation I
Understand Calender with its easy to apply shortcuts

Wednesday, 23 December 2015

Higher Level Difficulty in Numbers

>>CLICK HERE TO DOWNLOAD PDF FILE of NUMBERS..

In my last post, we have discussed simple problems based on Numbers but when difficulty factor goes on increasing, it becomes difficult to crack the puzzle.

Let see how to solve difficult part in Numbers

Problem1: The ratio of two numbers is 3:2. If 10 and the sum of two numbers are added to the product. Square of sixteen is obtained. What could be the smaller number?

Solution:

Step1: Let the two numbers are 3x and 2x
Step2: If 10 and the sum of two numbers are added to the product.

10 + (3x + 2x) + (3x * 2x) = (16)²
Step3: Solve the equation

6x² + 5x- 246 = 0
6x² + 41x - 36x - 246 = 0
(6x + 41) (x-6) = 0
X = 6 or -41/6
Step4: Negative number cannot be accepted. So, take x=6
Step5: Smaller Number is 2x = 2 x 6 =12

Problem2: The positive number when decreased by 4 is equal to 21 times the reciprocal of the number. The number is ?

Solution:

Step1: Let the number be X
Step2: The positive number when decreased by 4 is equal to 21 times the reciprocal of the number.

X-4 = 21/X
X²- 4x -21 = 0
X² - 7x + 3x -21 = 0
X (X-7) + 3 (X-7) = 0
(X-7) (X+3) = 0
X = 7
Step3: Neglecting -3, The number is X=7

Problem3: A certain number of two digits is three times the sum of the its digits and if 45 be added to it, the digits are reversed. The number is?

Solution:

Step1: Let the unit digit of the number = X and ten’s digit = Y
Step2: A number of two digit is three times the sum of its digit

3 (X + Y) = 10y + X
2X – 7Y = 0 [Equation 1]
Step3: If 45 be added to it, the digits are reversed

10Y + X + 45 = 10X + Y
9X – 9Y = 45
X – Y = 5 [Equation 2]
Step4: Solving both the equations X =7, Y=2
Step5: The number is XY =27

Problem4: If a number is subtracted from the square of its one half, the result is 48. The square root of the number is?

Solution:

Step1: Let the number is X
Step2: If a number is subtracted from the square of its one half, the result is 48

(X/2)² –X = 48
X²/4 – X =48
(X-16) (X+12) = 0
X= 16
Step3:The square root of the number 16 is 4

Problem5: A two digit number is seven times the sum of its digits. If each digit is increased by 2, the number, thus obtained is 4 more than six times the sum of its digits. Find the number?

Solution:

Step1: Let the two digit number is 10X + Y
Step2: A two digit number is seven times the sum of its digits.

10X + Y = 7 (X+ Y)
X= 2Y [Equation 1]
Step3:If each digit is increased by 2, the number, thus obtained is 4 more than six times the sum of its digits.

10 (X+2) + (Y+2) = 6 (X+Y+4) + 4
4X – 5Y =6 [Equation 2]
Step4:Solving equation 1 and 2

We get
X=4 and Y=2
Step5: Number is XY = 42

Problem6: 1/5 of a number is equal to 5/8 of the second number. If 35 is added to the first number, then it becomes 4 times of the second number. What is the value of the second number?

Solution:

Step1: Let the two digit number X and Y
Step2: 1/5 of a number is equal to 5/8 of the second number

1/5X = 1/5Y
X/Y = 25/8 [Equation 1]
Step3:If 35 is added to the first number, then it becomes 4 times of the second number.

X + 35 = 4Y Putting Equation 1 here…
25/8Y + 35 = 4Y
Y = 40
Step4:Value of second number is 40

Problem7: If a fraction numerator is increased by 1 and the denominator is increased by 2 then the fraction becomes 2/3. But when the numerator increased by 5 and the denominator is increased by 1, then the fraction becomes 5/4. What is the value of the original fraction?

Solution:

Step1: Let the fraction be X/Y
Step2: If a fraction numerator is increased by 1 and the denominator is increased by 2 then the fraction becomes 2/3.

X + 1/ Y+2 = 2/3
3X = 2Y + 1 [Equation 1]
Step3:When the numerator increased by 5 and the denominator is increased by 1, then the fraction becomes 5/4.

(X + 5) /(Y + 1) = 5/4
4X = 5Y – 15 [Equation 2]
Step4:Solving both the equations

(2Y + 1) / 3 = (5Y – 15) / 4
8Y + 4 =15Y – 45
Y = 7 And
X = (2Y +1) / 3 =[(2*7) + 1] / 3
X = 5 Step5:Required original fraction is X/Y =5/7

>>CLICK HERE TO DOWNLOAD PDF FILE of NUMBERS..

Related Posts:
Higher Level of Difficulty in LCM and HCF
Shortcut to find LCM and HCF
Ease up your Multiplication work
Learn 4 simple methods of Squaring
Let's beat the cube root at its best
Solving Square Root is a child's play now

Wednesday, 16 December 2015

Numbers based Aptitude

>>CLICK HERE TO DOWNLOAD PDF FILE of NUMBERS..

Rules based on Numbers are simple, no need to learn anything new. These are all, we have already done in our school times. Recall the Mathematical Formula in Algebra

(a + b)² = a² + b² + 2ab
(a - b)² = a² + b² -2ab
(a² - b² )= (a + b) (a - b)
(a + b)³ = a³ + b³ + 3ab (a+b)
(a - b)³ = a³ – b³ -3ab (a-b)
a³ + b³ = (a+b) (a²- ab +b²)
a³- b³ = (a-b) (a²+ ab +b²)
(a+b+c)³ = a² + b² + c² + 2ab +2bc + 2ca

The concept needs better understanding and thorough reading of statements given to solve.

Let see how to figure out the number based problems.....

Problem1: The sum of two numbers is 29 and the difference of their squares is 145. The difference between the numbers is?

Solution:

Step1: Take two numbers X and Y
Step2: The sum of two numbers is 29
X + Y = 29
Step3: The difference of their squares is 145

X² – Y² = 145
Step4: To evaluate both the statements apply algebraic formula and put the given values here

(a² - b²)= (a + b) (a - b)
145 = 29 (a-b)
145/29 = (a-b)
Step5: The difference of the numbers (X - Y)= 5

Problem2: The ratio between two numbers is 3:4 and their sum is 420. The greater of the two numbers is?

Solution:

Step1: Take a numbers x
Step2: The ratio between two numbers is 3:4
Step3: Ratio means both the numbers are divisible with single common multiple. Let’s take it ‘x’ which will multiply with both the numbers as

First number = 3x
Second Number = 4x Step4: Their sum is 420
3x + 4x = 420
7x= 420
x=60 Step5: Numbers are
3x= 3 * 60= 180
4x= 4 * 60 = 240
Step6: The second number is greater than first one

Problem3: Three fourth of one-fifth of a number is 60. The number is?

Solution:

Step1: Three fourth ¾ and one fifth 1/5
Step2: ‘Of ’ designated multiplication here
Step3: A number takes it as ‘x’
3/4 * 1/5 * x = 60
3/20 * x = 60
x = 400
Step4: The number is 400

Problem4: The difference between the squares of two consecutive numbers is 35. The number are?

Solution:

Step1: Consecutive numbers are numbers follow each other like 1, 2,3 ,4
Step2: Imagine two consecutive number x and (x + 1)
Step3: The difference between the squares of two numbers is 35. Square it first x² , (x+1)²
Step4: The difference between two means subtract the smaller number from greater one i.e.
(x+1)² - x² = 35
Step5: Evaluate and it comes out x=18
Step6: First number x=18
Second number is x + 1 =19

Problem5: The sum of the two numbers is twice their difference. If the one of the number is 10, the other number is?

Solution:

Step1: Take two number X and Y
Step2:Take X= 10 ( Given one number)
Step3: The sum of the two numbers is twice their difference.

(10 + Y) =2 (10 –Y)
10 +Y = 20 -2Y
Y= 10/3
Step4: Other number is 10/3 or take in mixed fraction as 3 1/3

Problem6: The number whose fifth part is increased by 5 is equal to its fourth part diminished by 5. The number is?

Solution:

Step1: Take a number X
Step2: Fifth part of number is 1/5 of x and fourth part of number is 1/4 of x
Step3: The number whose fifth part is increased by 5 is equal to its fourth part diminished by 5
1/5 * x + 5 =1/4 * x -5
Step4: Evaluate it
x/5+ 5 = x/4 -5
10 = x/4 – x/5 Step5: The number is x = 200

Post on Higher level difficulty in Numbers is coming soon.......

>>CLICK HERE TO DOWNLOAD PDF FILE of NUMBERS..

Related Posts:
Higher Level of Difficulty in LCM and HCF
Shortcut to find LCM and HCF
Ease up your Multiplication work
Learn 4 simple methods of Squaring
Let's beat the cube root at its best
Solving Square Root is a child's play now

Thursday, 3 December 2015

What are NBFCs

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NBFCs (Non-Banking Financial Companies) trend is emerging these days. It is not a bank, don’t bear banking license at all! Even though most of our populace is going behind these Financial companies. What is peculiar about these NBFCs? What it can do and what not?

Let’s see…

Non- Banking Financial Companies are financial institutions offering banking services. These are registered under the Companies Act, 1956. As per RBI guidelines, NBFCs are only limited to supply business loans, shares, bonds, debentures, securities, mutual funds, etc. In India, these are governed under banking statuary body i.e. Reserves Bank of India (RBI). Institutions are restricted to raise deposits from individuals instead issue Term debt/bonds/shares as to fulfill the need.

In India, NBFCs are contributing to the Indian economy in a great way. It gains the huge importance and becomes simple to find banking services under one roof. With the easy to go procedures, customer oriented service, flexible terms and pretty high rates of return; these are becoming a smart choice of all.

For a company to be registered as NBFC, it is required to get the RBI authority a deposit raising to act like institution. The first step is

To register under The Companies Act, 1956.
It should have at least owned 200 lakhs as NOF (Net owned Funds).

The process starts with the online application submitted along with all required details and documents on RBI Portal. If your details are right and contended under the RBI Act, 1934 then, they offer a registration certificate to the applicant company.

Classification of NBFCs:

Before application, deep study of classification of NBFCs, is required. There are some of the categories of NBFC Companies jotted down.Check and consider your category:

Investment NBFCs: Investment company usually provides Stocks, Shares, Bonds, Financial Securities, etc. as their main function.

Infrastructure Finance Company: These are a non-banking finance company helps in contributing leastwise 75 per cent of its total resources in infrastructure loans. These companies owned Net Owned Funds of Rs. 300 crore.

Loan Company: These companies are financial institution engaged in offering loans or advances. Their principal job is to provide finance.

Micro-Finance Institution: Such institutions typically engaged in micro finance activities.Such Institution don’t take deposits from the public.

Infrastructure Debt Fund: Such NBFC are made to ease long term debt in infrastructure development plans. Minimum 5 year maturity period is there in producing debts.

Other Important Investment Company: These NBFCs bears a resource over Rs.100 crores and typically takes deposits, works in issuing shares and various other securities.

Asset Finance Company (AFC): Such companies or financial institution with its principal business is to supply finance for various physical assets like machines, vehicles, equipments, etc. used in industries.

Indian Non-Banking Financial Companies at the top

Reliance Capital, Power Finance Corporation, The Infrastructure Development Finance Company, M & M Financials, LIC Housing Finance, National Bank of Agricultural and Rural Development, IFCI, JM Financial company, Muthoot Finance, Tata Capital, HDFC, Bajaj Holdings are some of the famous names of NBFCs working in India.

Role of NBFCs in Indian Economy

In Indian economy, NBFCs playing a vital role in the growth of sectors like employment, transport and the most important, lending a strong hand to those belongs to poor minority financially. Moreover, these institutions guide lay person to clear their financial queries and remove the obstacles coming forth on their way to success.

>>CLICK HERE TO DOWNLOAD PDF FILE..

Related Posts: Business Banking, Discover Banking Services in India, Banking Structure in India, History of Banking in India

Tuesday, 24 November 2015

Directions-I

>>CLICK HERE TO DOWNLOAD PDF FILE OF DIRECTION-I..

Direction is the most puzzling concept in reasoning studies. Often out of 10, almost 5 questions student attempt wrong, just due to impractical ways they apply. With direction, rotation additionally makes the puzzle harder to crack.

North, South, East, West start revolves in your puzzling mind and left with no option except picking any answer which is completely a matter of chance. DO NOT DO IT! As I have simplest & practical ways to solve the Direction- I. NO Trapping! No Difficulty! Just an easy way to get all done in few seconds.

Let’s see how….

These are names of directions in our schooling we read and known with. However, rotating the directions clockwise and anticlockwise is the biggest question of the time. Do you know anything about it? See here

Clockwise Rotation:The direction which usually clock follows i.e. Right to left.

Anticlockwise Rotation: The direction opposite to Clockwise i.e. left to Right

Starting with Puzzles

Problem1: From his house, A person went 10kms to the North. Then he turned to his left and walks 5kms. He again turned to left and walks 10 kms. How much distance covered from his house and In which direction is he from his house.

Solution:

Step1: From his house, A person went 10kms to the North.

Step2: Then he turned to his left and walks 5kms.

Step3: He again turned to left and walks 10 kms. Applying clockwise rotation, left will come down.

Step 4: How much he distance covered and in which direction is he from his house.

Right now he is in West of his house and the distance between house and West is 5km.

Problem2: A person walks 4km towards south. Then he turned east and walks 3 km. At what distance he is from starting point?

Solution:

Step1:A person walks 4 km towards south

Step2: He turned east and walks 3 km

Step 3: At what distance he is from starting point?

From Starting point i.e. 0 the distance can be calculated by Pythagoras theorem(Find one side of Triangle when other sides given)

The formula is H² = P² + B²

Putting values H² = 4² + 3² = 25

Hypotenuse= 5KM = Distance from Starting point

Problem3: Neena Moved 7km towards east, then turned to her left and 5km. Then she turned to her left and moved 7km.How far she from starting point?

Solution:

Step 1: Neena Moved 7km towards east

Step 2: Then turned to her left and 5km, Going clockwise left will go up towards North.

Step 3: Then she turned to her left and moved 7km, left will fo left as we ae in clockwise rotation

The distance from starting point and now where he is 5km.

Problem4: Steve Traveled from police-post straight for 400m.He turned left and traveled 500m straight after which he turned left again and travelled for 400m straight. He then turned to right and walked for another 600m straight. How he far from police post?

Solution:

Step1: Steve walks 10km south of his house

Step2: He turned left and traveled 500m straight.In Clockwise rotation, left will come left

Step3: He turned left again and travelled for 400m straight. According to clockwise rotation, left will come down.

Step4:He then turned to right and walked for another 600m straight.Now he is going into theAnti-clockwise rotation, now his right will come left.

Step5: How he far from police post?

Adding 600 + 500 =1100 m or 11km is the actual distance from Police Post.

>>CLICK HERE TO DOWNLOAD PDF FILE OF DIRECTION-I..

Related Posts: Discover how to polish Reasoning skills ,Symmetric Relation II (Ranking puzzles) , Symmetric Relation I , Understand Calender with its easy to apply shortcuts

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