Eligibility

A micro enterprise where the investment in plant and machinery or equipment does not exceed one crore rupees and annual turnover does not exceed five crore rupees.

A small enterprise, where the investment in plant and machinery or equipment does not exceed ten crore rupees and annual turnover does not exceed fifty crore rupees.

A medium enterprise, where the investment in plant and machinery or equipment does not exceed fifty crore rupees and annual turnover does not exceed two hundred and fifty crore rupees.

The following entities are eligible under this category:

• Individuals, startups, entrepreneurs, Sole proprietorship
• Partnership firm
• Trusts
• Self Help Groups (SHGs)
• Private and public limited companies
• Limited Liability Partnerships (LLPs)
• Co-operative societies

Documents required

• Aadhaar card
• PAN card
• Business address proof
• Bank account details
• GSTIN: If applicable (for taxable entities)
• Investment details
• Turnover details
• Partnership deed
• Sales and purchase bill copies
• Licences and bills copy of purchased machinery

The MSME registration process is entirely online. MSME online registration is to be done on the government portal of udyamregistration.gov.in. There is no fee required for MSME registration. The registration online can be done under the following two categories in the portal:

'For New Entrepreneurs who are not registered yet as MSME or those with EM-II'

'For those already having registration as UAM' or 'For those already having registration as UAM through Assisted filing'

Steps to apply

New enterprises that are not registered yet as MSMEs
Go to the website: https://udyamregistration.gov.in

Tap on ' For New Enterprise who are not Registered yet as MSME'

Enter the Aadhaar number of the applicant

The applicant should fill his/her name as per the Aadhar card.

If the name does not match with the Aadhar number, the applicant will not be able to fill out the form further.

The applicant must click on the' Validate Aadhaar' button for verification of Aadhaar.

An OTP will be sent to the Aadhaar-linked mobile number.

On successful entry of OTP, Aadhaar verification is completed.

PAN Verification: The applicant must select the type of organisation from the provided list that best matches their enterprise and enter their PAN (Permanent Account Number). The system will automatically verify the PAN. If the PAN is already registered in Udyam, a message will appear stating, "Udyam Registration has already been completed with this PAN."

Enter the details for registration, such as:

The applicant should provide their contact details, such as mobile number and email ID.

Social categorisation: SC/ST/OBC/General

Gender

Specially abled: Yes/No

Name of enterprise

Location of plant/unit

Official address of the enterprise

Previous registration number (UAM / EM II)

Status of enterprise : Date of incorporation, commencement

Bank details

Major activity: "Manufacturing" or "service."

National Industry Classification Code (NIC Code): The applicant may choose multiple National Industrial Classification (NIC) codes to include all their activities.

Specify the number of employees in the enterprise

Investment in Plant & Machinery / Equipment

Turnover

DIC: The applicant must provide the location of the District Industries Centre (DIC) based on the enterprise's location. This field will become active and display options only if there is more than one DIC in the district. If there is only one DIC in the district, the system will automatically register the applicant with that DIC.

Submit and receive final OTP

Following the successful registration, a 'Thank You' message and a reference number will be displayed. This reference number will be active for print after an update of income tax data and export data from GSTN (if exporter).

Enterprises that have already registered in Udyam
Visit the website: https://udyamregistration.gov.in

Enter Udyog Aadhaar Number

Select OTP Options: OTP on Mobile as filled in UAM or OTP on Email as filled in UAM

Validate and generate OTP

For printing the udyam certificate

Visit https://udyamregistration.gov.in

Choose print Udyam certificate from the print/verification tab

Enter your 19-digit Udyam registration number

Enter the mobile number as filled in the Udyam application.

Choose any one option for OTP (One Time Password).

After clicking on the 'Validate & Generate OTP' button, you will receive OTP on the selected option.

Enter OTP and click on the 'Validate OTP & Print' button. When you enter the match OTP successfully, you will be redirected to print certificate.

Eligibility for PAHAL LPG Subsidy

To qualify for the scheme, consumers must:

• Have an active LPG connection with Indane, Bharat Gas, or HP Gas.
• Link their Aadhaar number or bank account to their LPG connection.
• Have a household income below ₹10 lakh per annum.

How to Apply for PAHAL Subsidy

Step 1: Link Aadhaar to Your LPG Connection and Bank Account

Linking Aadhaar to LPG Connection:

• Submit Form 2 at your LPG distributor's office.
• Use the official LPG provider's website or call the LPG helpline (1800-2333-555).
• Send Form 2 by post to your LPG area office.
• Use IVRS/SMS services provided by your LPG provider.

Linking Aadhaar to Bank Account:

• Submit Form 1 at your bank branch or drop it off at your LPG distributor's office.
• Some banks offer an online Aadhaar linking option via net banking.

If Aadhaar is not available, the subsidy can be linked directly to the bank account.

Step 2: Apply for the Subsidy

Offline Application:

1. Visit your LPG distributor's office.
2. Fill out the PAHAL Joining Form (available at the office or online).
3. Attach required documents, including Aadhaar, bank details, and LPG ID.
4. Submit the completed form.

Online Application:

1. Visit the My HP Gas, Indane, or Bharat Gas portal.

2. Download the PAHAL Joining Form.

3. Fill out the appropriate sections:

• Part A & Part B (if applying with Aadhaar).
• Part A & Part C (if applying without Aadhaar, using bank details).

4. Upload the completed form along with supporting documents and submit it online.

Documents Required:

• Aadhaar card (for identity and address proof)
• LPG Consumer ID
• Bank account details (passbook copy or bank statement)
• KYC documents (if requested)
• Cash memo or blue book (for new connections)

Step 3: Check Your PAHAL LPG Subsidy Status

1. Visit the PMUY website.
2. Enter your 17-digit LPG ID and click Submit.
3. If you do not know your LPG ID, click 'Click here to know your LPG ID'.
4. Select your LPG provider (Indane, Bharat Gas, HP Gas).
5. You will be redirected to the provider's website.
6. Log in and check under 'Subsidy Status' or 'Check PAHAL Status'.

Other ways to check the status include:

• Viewing subsidy details in your bank account statement
• Contacting your LPG distributor

Benefits of the PAHAL Scheme

• Direct bank transfer ensures subsidy reaches the intended beneficiary
• Eliminates middlemen and prevents subsidy leakage
• Enhances transparency in subsidy disbursement
• Faster processing ensures timely credit of subsidies
• Consumers have the option to opt in or opt out of the subsidy
• Promotes the use of clean cooking fuel, reducing dependence on polluting alternatives

Completing the Aadhaar or bank account linking process ensures a smooth subsidy transfer, helping consumers receive their PAHAL benefits without disruptions.

(This article is for informational purposes only and does not constitute official advice. Policies and procedures may change, so applicants should verify details through official sources, LPG provider websites, or the helpline. The author is not responsible for any errors or changes in subsidy rules.)

This is done through a platform that facilitates the hosting of all the courses taught in classrooms from Class 9 till post-graduation to be accessed by anyone, anywhere at any time. All the courses are interactive, prepared by the best teachers in the country, and are available free of charge to any learner. More than 1,000 specially chosen faculty and teachers from across the country have participated in preparing these courses.

The courses hosted on SWAYAM are in 4 quadrants:

• Video lectures
• Specially prepared reading material that can be downloaded or printed
• Self-assessment tests through tests and quizzes
• An online discussion forum for clearing the doubts.

Steps have been taken to enrich the learning experience by using audio-video, multimedia and state-of-the-art pedagogy and technology.

In order to ensure that the best quality content is produced and delivered, ten national coordinators have been appointed. They are:

• AICTE (All India Council for Technical Education) for self-paced and international courses
• NPTEL (National Programme on Technology Enhanced Learning) for Engineering
• UGC (University Grants Commission) for non-technical post-graduation education
• CEC (Consortium for Educational Communication) for undergraduate education
• NCERT (National Council of Educational Research and Training) for school education
• NIOS (National Institute of Open Schooling) for school education
• IGNOU (Indira Gandhi National Open University) for out-of-school students
• IIMB (Indian Institute of Management, Bangalore) for management studies
• NITTTR (National Institute of Technical Teachers Training and Research) for the TeachTraining programme
• INI (Institutes of National Importance) for Non-Technical Courses

Courses delivered through SWAYAM are available free of charge for the learners; however, learners wanting a SWAYAM certificate should register for the final proctored exams that come at a fee and attend in person at designated centres on specified dates.

Eligibility for the certificate will be announced on the course page, and learners will get certificates only if this criteria is matched. Universities/colleges approving credit transfer for these courses can use the marks/certificate obtained in these courses for the same.

Eligibility

There is no specific eligibility or age criterion for any of the online courses. The faculty of a particular course may recommend some basic knowledge of certain topics for a person to fully grasp the contents of a course. Anyone may join an online course and register for the exam.

Steps to register

• Visit https://swayam.gov.in/
• On the SWAYAM homepage, click on Sign Up Now.
• Enter a username, password, and your official email address.
• Click on Send Verification Code.
• Check your email for the verification code and enter it on the portal.
• Click on Verify Code and then Create.
• Log In to Your Account
• After creating your account, go back to the SWAYAM homepage.
• Click on Sign In and enter your username and password.

How to enrol in SWAYAM Courses

• Log in to your account.
• Once logged in, use the search bar to find your desired course.
• Click on the course title to view details.
• Click on the Join button on the course page.
• You will be redirected to the Update Profile page.
• Fill in your profile details
• Enter your personal details (name, mobile number, email, etc.).
• Select your profession (e.g., student).
• Enter your educational details (highest qualification, year of graduation, etc.).
• Provide your Academic Bank of Credits (ABC) ID (if applicable).
• Select your local chapter (if your institution is part of a SWAYAM local chapter).
• Agree to the terms of service and click on Save.
• Confirm Enrolment
• After saving your profile, you will receive a confirmation email from SWAYAM.
• The email will include course details, duration, and important announcements.

SWAYAM Plus

In connection with NEP 2020, the Ministry recognises the need for SWAYAM to expand its existing offerings to identify and include courses aligned with industry needs and that enhance learners' employability. To this extent, SWAYAM Plus has launched in collaboration with leading industry players and ed-tech companies to bring employability and professional development-focused programmes to its learners.

SWAYAM Plus comprises programmes in chosen sectors, like manufacturing, energy, computer science & engineering/IT/ITES, management studies, teacher education, healthcare, hospitality & tourism, social science, Indian knowledge systems, media, communication, etc.

Steps to Register in Swayam Plus

• Navigate to: https://swayam-plus.swayam2.ac.in/
• If you are a new user, click on the Sign Up button.
• If you already have a SWAYAM account, you can sign in with the same login credentials.
• You can also use your Google or Microsoft account to create login credentials.

Follow the registration process:

• If signing up, fill in the required information, including your name, email ID, and other details.
• Ensure all fields are filled in correctly, as this information will be used for your certificate.
• Once you have successfully registered, you will receive a confirmation email.
• After registration, you can explore the available courses on the SWAYAM Plus platform.

Every NCERT textbook has been digitised and uploaded onto the platform, along with multimedia learning materials such as audios, videos, interactive content, maps, and question banks. The platform aims to bridge the digital divide and ensure education accessibility across different regions.

Who can access e-Pathshala?

• Students – Can download NCERT digital textbooks, supplementary books, and interactive learning materials to support their studies.
• Teachers – Have access to teaching guides, policy documents, National Curriculum Frameworks (NCFs), syllabi, and periodicals to enhance classroom instruction.
• Parents – Can help children with their education by accessing curriculum-based textbooks, policy reports, and multimedia resources to support learning at home.

How to access e-Pathshala?

• Website – Visit the official ePathshala website to browse digital resources.
• Mobile App – Download the ePathshala app from the Google Play Store or Apple App Store for easy access on mobile devices.
• QR Code Access – Scan QR codes printed in NCERT books to open chapter-specific learning resources instantly.

Steps to use e-Pathshala QR codes:

1. Open the ePathshala website or app.
2. Navigate to the "Access e-resources"section.
3. Enter the alphanumeric code located under the QR Code in the textbook.
4. Select the required audio, video, text, or multimedia resources related to the chapter.

The first QR code in each book provides access to the complete e-textbook, while additional QR codes link to chapter-specific interactive resources.

With e-Pathshala, students, teachers, and parents can access high-quality educational materials anytime, anywhere, ensuring a more engaging and interactive learning experience.

Check PF balance via SMS

You can receive your PF balance details by sending an SMS from your registered mobile number to 7738299899 in the following format:

EPFO UAN [language code]

For example:

• To receive details in English: EPFOHO UAN ENG
• To receive details in Marathi: EPFOHO UAN MAR

Supported Languages and Codes:

1. English (Default)
2. Hindi - HIN
3. Punjabi PUN
4. Gujarati - GUJ
5. Marathi - MAR
6. Kannada: KAN
7. Telugu - TEL
8. 8Tamil: TAM
9. Malayalam - MAL
10. Bengali - BEN

Note: This service works only if your UAN is active and linked to your bank account, Aadhaar, and PAN. If not, you must complete eKYC verification before using this facility.

Check PF balance via missed call

You can also check your PF balance by making a missed call from your registered mobile number:

• Dial 9966044425
• The call will disconnect automatically
• You will receive an SMS with your PF balance details

This service is completely free of charge and requires no additional fees.

How to retrieve your UAN

1. Through your employer

• Check your salary slip, as the UAN is often mentioned there.
• Contact your HR or payroll department, especially if you don't have a registered mobile number linked to your UAN.

2. Using the UAN portal

If you cannot access your UAN through your employer, you can retrieve it online:

• Visit the UAN portal: https://unifiedportal-mem.epfindia.gov.in/
• Click on 'Know your UAN' under the 'Important Links' section.
• Enter your mobile number and captcha, then click 'Request OTP'.
• Enter the OTP received on your phone and click 'Validate OTP'.
• Provide your name, date of birth, and one of the following: Aadhaar, PAN, or Member ID.
• Enter the captcha and click 'Show My UAN'.
• Your UAN will be displayed on the screen.

Note: If you face any issues, contact the EPFO helpdesk or visit the nearest EPFO office for assistance.

Associated with the RBI's vision of promoting a 'less cash' economy, RuPay aims to drive digital payments by encouraging Indian banks and financial institutions to adopt advanced technology and expand electronic transaction services.

Eligibility criteria for RuPay debit cards

To apply for a RuPay debit card, you must meet the following eligibility requirements:

• Age: Salaried individuals-Minimum 21 years; Self-employed individuals- 21 to 65 years
• Nationality: Must be an Indian citizen or a non-resident Indian (NRI).
• Employment: Must be a salaried professional or a self-employed individual with a stable income.
• Annual Income: Should meet the minimum income requirement for the specific card.
• Credit Score: A good CIBIL score (750 or above) is recommended.

Documents required to apply for a RuPay debit card

Customers with bank accounts in eligible banks can apply for a RuPay debit card by submitting a request form at their bank branch.

How to use RuPay cards for online transactions

RuPay debit cards, issued by the National Payments Corporation of India (NPCI), enable users to make online transactions securely.

Steps for first-time registration & transaction:

1. Register for e-commerce payments to activate your RuPay card for online transactions.
2. Select RuPay as the payment option on the checkout/payment screen.
3. Enter your card details (card number, expiry date, and CVD—a 3-digit security code on the back of the card).
4. An OTP (one-time password) will be sent to your registered mobile number and email. Enter the OTP.
5. Select an image from a set of options and remember it for future transactions.
6. Enter a security phrase (up to 40 characters) to be used for future transactions.
7. Finally, enter your ATM PIN to complete the registration and transaction.

For some banks, a RuPay Premium PaySecure Service pop-up may appear during the transaction, automatically registering your card.

Steps for subsequent transactions:

1. Enter your card details (card number, CVD, and expiry date) on the payment page.
2. Identify and select the registered image from the given choices.
3. Enter the security phrase you set during registration.
4. Enter your ATM PIN to complete the transaction.

Eligibility criteria

1. The applicant's age limit must be above 16 years, as of the date of application as per the age criteria that are prescribed, and is eligible for the skill development program of NATS.
2. The applicant should hold a degree/diploma certificate to apply for the scheme.
3. The applicants who are already trained under any other government training program for skill development are not eligible for this scheme.
4. The applicant should not be self-employed.
5. The applicant must not be a dismissed government employee.

Documents required

1. University/Polytechnic/Registration Number
2. Percentage of Marks of CGPA obtained in Degree Engineering/Diploma Engineering/graduation branch of study with month and year of passing
3. Aadhar Number Except in the State of Assam (Not mandatory) & Meghalaya (Not mandatory)
4. E-mail ID Keep your mobile with you at the time of enrolment to enter (OTP) for validation List of elective subjects studied during Diploma/Degree in Engineering / Technology/Graduation in general stream Details of additional short-term / Certificate course.

Steps to apply

1. Visit the NATS portal at https://nats.education.gov.in/.
2. On the homepage, select 'Student' and click on 'Register'.
3. Choose Category: 'Student' in enrolment type.
4. Fill in the educational details, like the percentage of marks obtained in the CGPA field.
5. Fill in all personal details correctly.
6. Enter a valid and unique email ID (mandatory for all communications). Once registered, the email ID cannot be changed.
7. Before declaring, review all entered details carefully.
8. Click 'Submit' once everything is correct.
9. After submission, the system generates a user ID & Password. The email ID can also be used instead of the username for login.
10. Enrolled students can log in using their credentials to check their status.
11. The portal provides access to job advertisements, job openings, and establishment details across the country. Students can apply for opportunities directly through the portal.

By offering structured, hands-on training, the national apprentice program increases employability and prepares students for real-world job roles. With its strong focus on practical learning, NATS serves as a stepping stone for students to launch successful careers in their respective fields.

Below is a comprehensive guide on the transfer of vehicle ownership in India.

Why is vehicle ownership transfer important?

Transferring vehicle ownership is a legal process that ensures the new owner is officially recognised. It is necessary in the following situations:

• When buying or selling a vehicle.
• When the registered owner passes away

Importance of ownership transfer

The transfer of ownership is essential for:

• Legally registering the vehicle under the new owner's name.
• Avoiding legal issues in case of accidents or disputes.
• Enabling the new owner to renew insurance, pay road tax, and access vehicle services.

Online vs Offline vehicle ownership transfer

A vehicle ownership transfer can be completed both online and offline.

• Online Process: Faster and more convenient. Download Form 29 and Form 30 from the Parivahan website and apply through the portal.
• Offline Process: requires visiting the RTO in person and submitting documents.

Documents required for vehicle ownership transfer

The following documents are typically required:

• Vehicle Registration Certificate (RC)
• Form 29 and Form 30
• Vehicle insurance certificate
• Pollution Under Control (PUC) certificate
• PAN card of seller and buyer (or Form 60)
• Chassis and engine pencil print
• Purchaser's date of birth proof
• Address proof (Aadhaar card, passport, utility bill, etc.)
• R.C. book of the vehicle
• Purchaser's undertaking
• Passport-size photographs
• Tax clearance certificate
• Form II (if applicable)

Offline RC transfer

Follow these steps for an offline transfer:

1. Collect necessary documents from the seller, including Form 29, Form 30, and the RC.
2. Obtain a No Objection Certificate (NOC) from the RTO if the vehicle is registered in another state.
3. Fill out Form 29 and Form 30 with the required details.
4. Get the documents verified by the RTO.
5. Pay the applicable transfer fee at the RTO.
6. Submit the application and required documents to the RTO along with the fee.
7. Have the vehicle inspected by a Motor Vehicle Inspector (MVI).
8. Once verified, the RTO will process the transfer.
9. Collect the new RC in the new owner's name from the RTO.

You can check the RC transfer status online on the Parivahan website using your application number.

Online RC transfer

In case the vehicle has been sold or passed on to another citizen, please follow the below steps for transfer of ownership

Visit https://vahan.parivahan.gov.in/vahanservice/vahan/

1. Enter your Vehicle Registration No.
2. Click on "Proceed."
3. Select the "Basic Services" Option
4. Enter the last 5 digits of chassis no. and click on "Validate Regn_no/Chasi_no."
5. Generate OTP, enter correct OTP and submit
6. Select "Transfer of Ownership."
7. Enter "Service Details."
8. Update "Insurance Details"
9. Review Fee Panel and Proceed
10. Pay fee, as shown
11. Upload the document (if configurable)
12. Take Appointment (if configurable)
13. Receipt Generated
14. After this, application will be moved to RTO for further processing

Fees and charges for ownership transfer

The fees and charges for the transfer of ownership of a vehicle vary depending on the RTO. The transfer fee for transfers within the same state and interstate transfers will differ. The fees also differ depending on the age of the vehicle.

Follow these steps to obtain your UDID (Unique Disability ID) card and disability certificate. This card ensures a unique identity for Persons with Disabilities (PwD) and provides access to various benefits.

Eligibility criteria for getting UDID card

1. Individuals with disabilities who already have a disability certificate.

2. Individuals with disabilities who don't have any disability certificates.

3. Individuals with disabilities who have applied for disability certificates and certificates are under process.

4. Individuals with disabilities whose applications were rejected/want to re-apply for disability certificates and also for re-assessment of percentage/category of disability.

Required documents for getting UDID card

1. Scanned colour copy of their recently captured photo.

2. Scanned image of signature (Optional)

3. Scanned copy of Address proof (Aadhar/Driving License/State Domicile, etc)

4. Scanned copy of Identity proof (Aadhar Card/PAN Card/Driving License, etc)

5. Scanned copy of Disability Certificate (Only for those Persons with disabilities who have been issued Disability Certificate by the competent Authority)

Steps to apply

• Register on the UDID Portal by visiting https://www.swavlambancard.gov.in/
• Once registered, log in to the portal.
• Navigate to the option to apply online for a disability certificate and UDID card.
• Provide your personal, disability, employment and identity information.
• Upload all required documents
• Click on "Submit" after double-checking all the details
• After submitting your application, check its status.
• Once your application shows "Submitted" status, visit the UDID/Disability Certification Section at the hospital selected during the application submission.
• Follow up for application verification or assessment scheduling.
• Get your application verified by the concerned hospital or medical authority or make corrections if required for verification.
• After verification, the concerned medical authority will assign specialist doctors to assess your disability.
• Attend the assessment on the scheduled date. The doctors will evaluate your condition and prepare a detailed report.
• The reports by the specialist doctors will be reviewed by the medical board
• They will determine the type and percentage of your disability and validate the disability certificate.
• Based on the Medical Board's assessment, the concerned medical authority will generate your UDID card and disability certificate.
• The Department of Empowerment of Persons with Disabilities (DEPwD), Ministry of Social Justice & Empowerment, will dispatch the card to your registered address via Speed Post.

Here's a step-by-step guide on how to register and use the UMANG app effectively.

1. Downloading and installing UMANG

To access UMANG services, you must first download and install the application on your smartphone.

• For Android users: Open Google Play Store, search for UMANG, and install the app.
• For iOS users: Open Apple App Store, search for UMANG, and install the app.
• For website users: Visit www.umang.gov.in to access services online.

2. Registering and logging in

You can register on UMANG either through the website or the mobile app.

On the UMANG Website:

1. Visit www.umang.gov.in.
2. Click on Login/Register in the upper right corner.
3. Enter your mobile number and verify the OTP sent to your phone.
4. Registration is now complete, and you can access UMANG services.

On the UMANG mobile app:

1. Open the UMANG app and click on Login/Signup.
2. A pop-up will ask if you wish to share location data for personalized services.
3. Enter your mobile number, agree to the terms & conditions, and click Submit.
4. Enter the OTP received on your phone, and you're successfully registered.

3. Exploring government services on UMANG

UMANG offers a vast range of services across various government departments, including:

• EPFO Services: Check your Provident Fund (PF) balance, apply for PF claims, and track applications.
• LPG Services: Book gas cylinders, request refills, manage subsidies, and surrender connections.
• Income Tax Payments: Pay taxes via Challan 280, track tax applications, and check status.
• Passport Seva: Track passport applications, locate centers, and check appointment availability.
• Pension Services: Apply for pensions and check retirement benefits.
• CBSE Services: Check exam results, including Class 10/12, CTET, NET, and JEE.
• Crop Insurance: Calculate insurance premiums and coverage amounts for crops.
• Driving License & Vehicle Services: Access Parivahan Sewa to check vehicle and driving license details.

4. Using a service on UMANG

To check EPF balance:

1. Open UMANG and go to EPFO Services.
2. Select Employee Centric and enter your UAN number.
3. Enter the OTP received on your registered mobile number to log in.
4. View PF balance and other account details.

Making Income Tax Payments via UMANG

UMANG allows users to pay income tax online using Challan 280.

Steps to Pay Income Tax:

1. Open UMANG and select Pay Income Tax.
2. Choose between:
   • Challan 280 (for new tax payments).
   • Track Challan (to check past tax payments).
3. Fill in required details such as PAN number, tax type, assessment year, and bank details.
4. Click Submit, review the challan, and proceed to the bank's internet banking portal to complete the payment.
5. Upon completion, you will receive a Challan Serial Number, Challan Tender Date, and BSR Code for future reference.

5. Tracking requests and checking application status

To track your application status:

• Log in to UMANG and select the relevant service.
• Look for "Track Application Status" or "View Status".
• Enter your application number or reference ID to check progress.

6. Customer support for UMANG

For assistance, users can reach UMANG's customer support via:

• Toll-free helpline: 1800-11-5246
• Support within the app through chat and FAQs

(Disclaimer: This guide is for informational purposes only. If you experience technical issues or require official assistance, please visit www.umang.gov.in or contact UMANG customer support.)

Eligibility

NSP Pre-Matric Scholarship

• Students must have secured more than 50 percent marks in the previous final examination.
• The annual income of parents/guardians from all sources must not exceed Rs 1 lakh.

NSP Post-Matric Scholarship

• Students must secure 50 percent marks or equivalent in the final examination.
• The annual income of parents/guardians should exceed Rs 2.5 lakhs.

Merit Cum Means Scholarship for Professional & Technical Courses CS

• Students must have secured more than 50 percent marks or equivalent grades in the previous final examination.
• Annual income of parents/guardians from all sources must not exceed Rs 2.50 lakhs.

Steps to apply

• Visit the website: https://scholarships.gov.in/.
• Click on the New Registration button.
• Read the guidelines carefully for registration on the National Scholarship Portal.
• Click checkboxes and click on the Continue button.
• A new page requesting to enter the personal data will be displayed. Fill out the student registration form.
• Click on the checkboxes for Aadhar consent, bank account, and application form.
• After entering all required details, click on the Register button.
• The student registration ID will be displayed. Note down the student registration ID number for further reference and enquiries.
• Click on the Continue button. It will take you to the login page.
• The login ID and password to log into the NSP portal will be your application ID and DOB, respectively.
• After logging in, the student will get an OTP of 5 digits on the registered mobile number/email ID.
• Confirm OTP. It will take you to the Change Password page. Change your password as per instructions on the same page.
• Click the Application Form button and enter the below details:

1. General Information
2. Academic Details
3. Other Details

• After entering the above details, click on Save & Continue to switch on to the next page.
• The applicant is directed to see the next page for Contact Details & Scheme Details.
• Enter your contact details.

Based on the eligibility criteria of the student, schemes will be displayed.

Select "PRE-MATRIC SCHOLARSHIP SCHEMES MINORITIES CS"for pre-matric courses I to X.

Select "POST MATRIC SCHOLARSHIP SCHEMES MINORITIES CS" for post-matric courses.

Select "MERIT CUM MEANS SCHOLARSHIP SCHEMES MINORITIES CS"for Merit Cum Means courses.

• After selecting the scheme, on the same page, the Upload Document section will be displayed; upload your documents therein (MCM / Top Class Students only).

Upload of documents is not required for pre- and post-matriculation scholarships.

• Re-check all your entries and uploaded documents before finally submitting the application, as there will be no provision to amend, edit, or alter it thereafter.
• Click on Final Submit. Take a print by clicking the print button for further reference and as an acknowledgement.

Documents required

• Aadhaar card: A copy of your Aadhaar card to verify your identity and date of birth.
• Bank passbook: A copy of your current bank passbook that shows your account number and IFSC code.
• Income certificate: A certificate from a government authority or your income tax return that shows your family's gross income.
• Mark sheet: A copy of your last qualifying exam mark sheet
• Caste certificate: A valid caste certificate, if applicable
• Domicile certificate: A domicile certificate, if applicable
• Bonafide certificate: A bonafide certificate from your school or institution, if applicable.
• Recent passport-size photo
• Enrolment number
• Fee receipt number

The colours used during Holi can be harsh and drying, so a little pre-care can go a long way in keeping your skin healthy and glowing. Follow these easy skincare tips before stepping out to play!

Exfoliate your skin

Start by giving your skin a fresh start. Exfoliating helps remove dead skin cells, making it harder for colours to settle into your skin. Use a gentle scrub or a chemical exfoliant with alpha-hydroxy acids (AHAs) or beta-hydroxy acids (BHAs) about 2-3 days before Holi. This will help your skin breathe and reduce the chances of colour stains sticking around post-celebration.

Moisturise, Moisturise, Moisturise!

Hydration is key. A good moisturiser creates a protective barrier between your skin and the colours, making them easier to wash off later. Apply a rich, nourishing moisturiser all over your body, especially on exposed areas like your face, neck, and hands. The more hydrated your skin, the less damage the colours can do.

Pre-colour treatment for extra protection

Give your skin an added layer of defence by applying a facial oil or serum packed with antioxidants and essential fatty acids. These help to protect your skin from any potential irritation or damage caused by the colours.

Slather on the sunscreen

Holi celebrations often happen under the blazing sun, so don't skip your sunscreen. Use a broad-spectrum sunscreen with at least SPF 30 to shield your skin from harmful UV rays. Reapply if you plan to be out for a long time – no one wants a sunburn along with their Holi colours.

Oil your hair

Your hair needs protection too. Holi colours can be drying and tough to remove, so apply a generous amount of oil to your hair, focusing on the ends. This acts as a barrier, preventing the colours from sticking and making post-Holi haircare a breeze. Coconut, olive, or almond oil – take your pick.

Show some love to your nails

Don't forget about your nails. Holi colours can leave stubborn stains, making your nails look dull and discoloured. To avoid this, apply a clear nail polish or a nail oil before heading out. This will create a protective layer and keep your nails looking fresh and healthy.

With the introduction of the Unique Identification Authority of India (UIDAI)'s online ordering facility, getting an Aadhaar PVC card has become more convenient. Whether you need a replacement for a lost card or a more portable version of your Aadhaar, this guide provides step-by-step instructions on how to order, pay, and track your PVC card delivery.

What is the Aadhaar PVC Card?

The Aadhaar PVC card is a physical form of your Aadhaar identity, made from durable polyvinyl chloride material. This compact version contains essential details linked to your Aadhaar number, ensuring easy access to identification anytime and anywhere.

Key Features of the Aadhaar PVC Card:

• Full name
• Aadhaar number
• Photograph
• QR code for quick verification

This portable card offers a secure and convenient way to verify identity in both digital and offline settings.

Who Can Order an Aadhaar PVC Card?

Any Indian resident with an Aadhaar number can apply for a PVC card, regardless of age. The primary requirement is that the Aadhaar details must be active and updated in the UIDAI database.

Even if your Aadhaar card is lost or damaged, you can still request a PVC card using your 12-digit Aadhaar number or 16-digit Virtual ID (VID).

However, if your Aadhaar is deactivated or suspended, it must be reactivated before placing an order. Additionally, a registered mobile number is necessary to complete the OTP verification process during ordering.

How to Order Aadhaar PVC Card Online?

To order your Aadhaar PVC card online through the UIDAI portal, follow these steps:

1. Visit myaadhaar.uidai.gov.in.
2. Click on "Login"on the homepage.
3. Enter your 12-digit Aadhaar number and the Captcha code.
4. Select "Login with OTP"and enter the OTP sent to your registered mobile number.
5. Click on "Order Aadhaar PVC Card"once logged in.
6. Choose either:
   1. Aadhaar number + Captcha
   2. Enrolment ID + Captcha
7. Verify your Aadhaar details displayed on the screen and click "Next”.
8. You will be redirected to the payment page.
9. Read and accept the declaration, then click "Make Payment”.
10. Select a payment method:
    1. Debit card
    2. Credit card
    3. Net banking
    4. Digital wallet
    5. UPI
11. Complete the transaction securely.
12. After successful payment, download the acknowledgment receipt for future reference.

Ordering Aadhaar PVC Card Through the mAadhaar App

For those preferring a mobile-based option, the mAadhaar app provides a convenient way to order the Aadhaar PVC card. Follow these steps:

1. Open the mAadhaar app and log in using your Aadhaar number and OTP.
2. Select the "Order PVC Aadhaar Card"option.
3. Verify your Aadhaar details.
4. Select a payment method (debit card, credit card, or UPI).
5. Complete the payment process
6. Note down the Service Request Number (SRN) for tracking.

Aadhaar PVC Card Delivery Timeline & Tracking

Once your Aadhaar PVC card order is placed, the processing and delivery follow these steps:

1. UIDAI prints and processes the card within five working days (excluding the request date).
2. The printed card is handed over to the Department of Posts (DoP).
3. India Post's Speed Post service delivers the card to your registered address.

Contact & Support for Aadhaar PVC Card Issues

If you have any queries related to your Aadhaar PVC card order, you can contact UIDAI through the following channels:

Email (within 90 days of order): aadhaar.card@uidai.gov.in

For issues after 90 days: help@uidai.gov.in

Helpline number: 1947

These support options ensure that users can get assistance regarding their Aadhaar PVC card orders and delivery status.

The program is organised around two interrelated elements and adheres to a continuum-of-care model:

• Health and Wellness Centres (HWCs)
• Pradhan Mantri Jan Arogya Yojana (PM-JAY)

Features and benefits

• It provides a cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization across public and private empanelled hospitals in India.
• A cover of up to Rs. 5 lakh is available for the beneficiary family every year.
• Over 12 crore poor and vulnerable entitled families (approximately 55 crore beneficiaries) are eligible for these benefits.
• PM-JAY provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital.
• PM-JAY envisions helping mitigate catastrophic expenditure on medical treatment, which pushes nearly 6 crore Indians into poverty each year.
• It covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicines.
• There is no restriction on the family size, age, or gender.
• All pre-existing conditions are covered from day one.
• Benefits of the scheme are portable across the country, i.e., a beneficiary can visit any empaneled public or private hospital in India to avail cashless treatment.
• Services include approximately 1,929 procedures covering all the costs related to treatment, including but not limited to drugs, supplies, diagnostic services, physician's fees, room charges, surgeon charges, OT and ICU charges, etc.
• Public hospitals are reimbursed for the healthcare services at par with the private hospitals.

Who is eligible?

Eligibility is determined based on the Socio-Economic Caste Census (SECC) 2011 data.

Rural Households:

• Families living in one-room houses with 'kuchha' walls and roofs
• Households without an adult male (16-59 years)
• Families with a disabled member and no able-bodied adult
• SC/ST households
• Landless families dependent on daily wage labor

Urban Households (Occupational categories covered):

• Domestic workers, street vendors, construction workers
• Plumbers, painters, welders, mechanics
• Rag pickers, beggars, and sanitation workers

Special Category:

• All senior citizens aged 70 and above are eligible for free health coverage under PM-JAY, regardless of their income

Documents required for registration

To register, applicants need the following documents:

• Aadhaar Card (for identification)
• Proof of domicile/residence
• Income certificate
• Recent passport-sized photograph
• Family documents (Ration Card, PM Letter, CM Letter)
• Parivar Pehchan Patra (PPP ID) (if applicable)
• Contact details (mobile number, email)

How to apply for Ayushman Bharat health insurance?

You can apply online or offline through designated centres.

Online registration process:

1. Visit the official PM-JAY website: https://pmjay.gov.in/
2. Click on "Am I Eligible?”
3. Enter your mobile number and captcha code, then click "Generate OTP”
4. Enter the OTP received on your mobile and click "Verify OTP”
5. Provide your KYC details (name, state, age, family members, income details)
6. Click Submit and complete the process

Offline Registration Process:

• Visit a Common Service Center (CSC) or empaneled hospital
• Provide required documents for verification
• Officials will assist in generating your Ayushman Bharat card

For further assistance, visit the official PM-JAY website or contact the National Health Authority (NHA).

(PS: This information is general and may be updated over time by authorities. Audience members are advised to check official statements for the latest updates.)

NCS aims to bridge the gap between job seekers and employers, as well as candidates looking for training and career guidance with relevant agencies.

The NCS portal provides digital solutions for job seekers, employers, skill providers, career counsellors, local service providers (LSPs), placement organisations, government departments, and even households seeking services like drivers, plumbers, etc. It enables easy registration, job search, and career support for all stakeholders, making employment opportunities more accessible nationwide.

Eligibility criteria

Anyone can seek services provided in the NCS portal through a simple registration process:

• Age: 14 years and above
• Qualification: There is no minimum qualification for registration.

Documents Required

The required details include, name, date of birth, qualifications, email ID, phone number, any one of the unique identification document numbers mentioned below:

• Aadhaar number
• PAN card number
• Voters ID card number
• Driver's license number
• Passport number
• UAN number

Steps to register

1. Go to the online portal of the National Career Service: https://www.ncs.gov.in
2. Click on the 'Register' button.
3. Please select the "Register As" option to specify whether you are a job provider or a job seeker. You will be required to enter your Unique Identification (UID) type and number, date of birth, full name, gender, state, educational background, and other relevant details.
4. Once the details are filled, check the box below to agree to the terms and conditions.
5. Click on Submit to proceed.
6. On confirmation, you will receive an OTP on the linked mobile number. Enter the OTP to verify.

You can also register by visiting a Model Career Centre, Common Service Centre, or Post Office. You can also call the NCS Toll-Free Helpline at 1800-425-1514.

What makes this look so appealing is its delicate elegance—a well-balanced combination of casual attire and understated refinement that complements any metropolitan environment.

By selecting high-quality fundamentals and combining them with unique accessories, you create a style that is both classic and trendy. The allure of western dresses for women has been embraced by many fashionistas due to their elegant yet striking silhouettes. Similarly, the adaptability of co-ord sets for women makes them a perfect choice for a casual yet fashionable look. These wardrobe essentials not only elevate your style but also provide endless opportunities for artistic expression.

The key is to strike a balance between bold elements and simplicity, ensuring that your ensemble feels authentic and fresh. Effortless street style allows you to turn your everyday clothes into a blank canvas for self-expression, helping you stand out wherever you go.

Key elements of effortless street style

In today's urban fashion scene, effortless street style is shaped by a mix of simplicity, bold accessories, and versatile pieces. Together, these elements create an undeniably personal and captivating look that turns heads.

Embracing minimalist chic

A great street style look starts with a minimalist approach. Opting for basic shapes and clean lines creates an aesthetic that is both contemporary and timeless—polished yet uncluttered.

A pared-down wardrobe is particularly effective in emphasising quality over quantity, ensuring that every piece stands out. This approach allows you to choose items that reflect your individuality while providing a harmonious backdrop for bolder accents.

Through its elegant restraint rather than excessive frills, the intentional simplicity of minimalist chic ensures that your outfit remains effortlessly stylish.

Mixing casual comfort with an edge

A staple of standout street fashion is the ability to blend comfort with an edgy twist. Pairing bold statement pieces with casual wear results in a dynamic look that feels relaxed yet undeniably stylish.

This balance encourages experimentation with textures and proportions, creating an urban energy that is both unique and captivating.

Incorporating unexpected elements into everyday outfits is a way to reflect your creative spirit. Thoughtful choices prove that comfort and style are not conflicting but complementary components that enhance your overall appearance.

The Art of accessorising

Simple outfits can be transformed into remarkable style statements with the right accessories. The final touches—be it oversized sunglasses, striking jewellery, or a distinctive hat—add personality and flair to your ensemble.

Thoughtful accessorising allows you to showcase your taste and creativity without disrupting the effortless simplicity of your look. Selecting pieces that resonate with your personal style adds layers of depth and meaning.

The right accessory can elevate even the most basic outfit, creating a harmonious blend of fashion and function that naturally draws attention.

Layering for effortless cool

Layering is not only practical but also a fantastic styling trick to achieve a naturally fashionable look. Combining different fabrics, lengths, and colours adds dimension and depth to your outfit. This technique ensures a polished urban aesthetic while allowing smooth transitions between seasons.

Well-executed layering creates a visual rhythm that catches the eye without overwhelming the senses. Each layer should bring its own subtle charm, resulting in a cohesive and thoughtfully curated ensemble.

With the right layering, even the simplest outfits can be transformed into multi-dimensional looks that speak volumes about your fashion sensibilities.

Choosing the perfect fit

The key to looking put-together lies in finding pieces that fit well. A well-fitted outfit ensures that every element aligns perfectly, enhancing your silhouette.

Taking the time to select items that complement your body type not only boosts confidence but also highlights your commitment to quality. Whether it's a sleek blazer, a crisp shirt, or tailored trousers, the right fit elevates even the most basic wardrobe essentials.

Prioritising fit over fleeting trends allows you to focus on what truly makes you look and feel your best, forming a solid foundation for effortless street style.

Effortless street style is proof that simplicity, when paired with thoughtful design, can transform everyday outfits into powerful statements of individuality. By embracing minimalism, layering with intention, and adding a personal touch, you can curate looks that exude confidence wherever you go.

1. Activate via SBI net banking

To enable international transactions through SBI Net Banking, follow these steps:

• Log in to SBI Net Banking using your credentials.
• Go to the 'e-Services' tab and select 'ATM Card Services'.
• Click on 'ATM Card Limit/Channel/Usage Change' and select your account and card.
• Enable 'International Usage', submit your request, and verify via OTP.

2. Activate via SBI YONO app

Customers using the SBI YONO app can enable the service by:

• Logging into SBI YONO and selecting 'Service Request' under 'Quick Links'.
• Choosing 'ATM/Debit Card' and entering the profile password.
• Selecting 'Manage Cards', enabling 'International Usage', and verifying via OTP.

3. Activate via SMS

Ensure your mobile number is registered with SBI, then send an SMS in the following format to 9223966666:
SWON INTL XXXX (replace XXXX with the last four digits of your debit card).

4. Activate via customer care

Customers can also activate international usage by calling SBI's toll-free numbers: 1800 1234, 1800 2100, 1800 11 2211, 1800 425 3800.

SBI customer care services are available in 12 languages, including Hindi, English, Telugu, Bengali, Tamil, Kannada, Marathi, Malayalam, Odia, Gujarati, Assamese, and Punjabi.

By following these simple steps, SBI customers can seamlessly activate international transactions and enjoy hassle-free global payments.

(Disclaimer: The information provided here is for general guidance on activating international transactions for SBI debit cards. Banking policies and procedures may change, and eligibility for international transactions may vary based on account type, card variant, and security regulations. For the most accurate and up-to-date details, it is advisable to visit the official SBI website, contact SBI customer support, or visit your nearest SBI branch before proceeding with any international transactions.)

With a history spanning over a thousand years, this practice has evolved with unique aesthetics, cultural significance, and specialized terminology. In this article, we are going to explore the steps to take care of a Bonsai tree

Choosing the right spot

Selecting the right location for your bonsai tree is essential, though it can be challenging. Several factors, including climate, season, and placement (indoors or outdoors), must be considered to ensure the tree's health and growth.

Indoor Bonsai

The best place for an indoor bonsai is near a south-facing window, as ample sunlight is crucial for its well-being. If the tree is placed even a few feet away from the window, the light intensity decreases significantly, which results in the decline of its growth.

Outdoor Bonsai

Outdoor bonsai trees generally thrive in bright spots. However, if you experience extremely hot summers, providing afternoon shade can help to protect your tree from excessive heat.

Since temperate bonsai species require exposure to cold weather to enter dormancy, it is important to wait until the first frost before moving them into winter storage. In regions where temperatures frequently drop below 15°F (-10°C), storing bonsai in a greenhouse or cold frame is advisable.

This helps to regulate temperature fluctuations, shields the tree from harsh winds, and allows better control over moisture levels—especially in areas with heavy winter rainfall.

Watering

Watering is one of the most crucial aspects of bonsai care. The frequency of watering depends on various factors, including the tree species, pot size, soil composition, climate, and season. Water your bonsai when the soil feels slightly dry, but avoid overwatering when the soil is still wet.

Fertilizing

Most bonsai trees should be fertilized throughout their growing season, from early spring to mid-fall.

Older and more mature trees may require less frequent fertilization, depending on their species, developmental stage, time of year, and overall health. Indoor bonsai can be fertilized year-round. Be sure to follow care guides specific to your tree species for the best fertilization schedule.

Styling the tree

Trees will show a natural tendency to grow with apical dominance. This means the main, central stem of the plant grows more dominantly than its side stems.

For example, on a branch, the main stem of the branch is more dominant over its side twigs. This natural mechanism encourages trees to grow higher to prevent them from being shaded out by competing trees.

By distributing growth to the top and outer edges, the tree's inner and lower branches will eventually die, while top branches grow out of proportion, both of which are not desirable traits for Bonsai aesthetics.

So, prune the tree regularly to maintain its shape and health. Focus on trimming growth areas at the top and outer parts of the stems, as this encourages growth closer to the inner parts of the tree, ensuring a balanced and healthy structure.

Repotting

Regular repotting is essential to prevent your bonsai from becoming root-bound and from eventually facing nutrient deficiency. As the tree absorbs nutrients from the soil and its roots conform to the shape of the pot, available space and nutrients become limited, causing growth to stagnate.

If left unaddressed, the tree will weaken and die. Repotting replenishes the soil with essential nutrients and provides the necessary space for the roots to develop, ensuring your bonsai continues to thrive.

By following these steps, take care of your bonsai tree and enjoy the process of decorating your home and also the opportunity to reconnect with the nature.

Why dental care matters

Plaque, a sticky layer of bacteria and food particles, begins forming on teeth within minutes of eating. If not properly cleaned, it hardens into tartar, which leads to tooth decay, cavities, and gum disease. Over time, this can cause serious conditions like gingivitis (swollen, bleeding gums) and periodontitis (infection affecting the bone and tissues that support teeth), which may result in tooth loss.

Daily oral hygiene routine

To maintain good dental health, follow these essential steps:

• Brush Twice a Day – Use a soft-bristled toothbrush and fluoride toothpaste, brushing for at least two minutes each time.
• Floss Daily – Flossing removes plaque and food debris from between teeth and along the gumline, reducing the risk of cavities and gum infections.
• Replace Your Toothbrush Regularly – Change it every 3 to 4 months, or sooner if the bristles are frayed. For electric toothbrushes, replace the brush head within the same timeframe.
• Use Mouthwash – Antibacterial mouthwash can help reduce plaque, freshen breath, and prevent gum disease.
• Clean Dental Appliances – If you use dentures, retainers, or braces, clean them regularly and soak them in a cleansing solution when needed.

Diet and lifestyle habits for healthy teeth

• Eat a Balanced Diet – Nutritious foods support gum health and strengthen enamel. Include calcium-rich foods like dairy, leafy greens, and nuts.
• Limit Sugary Foods and Drinks – Sugar feeds bacteria that cause cavities. If consuming sweets, brush your teeth soon afterward.
• Avoid Smoking and Tobacco – Smoking increases the risk of gum disease, tooth loss, and oral cancer.
• Stay Hydrated – Drinking plenty of water helps wash away food particles and neutralizes acid in the mouth.

The importance of regular dental checkups

Even with excellent oral hygiene, professional cleanings are necessary to remove hardened tartar and detect early signs of dental issues. Dentists recommend:

• Routine Cleanings Every 6 Months – Scaling and polishing remove plaque buildup that brushing alone cannot eliminate.
• X-Rays and Exams – Detect cavities, gum disease, or structural issues before they worsen.
• More Frequent Visits for Gum Disease – If you have gingivitis or periodontitis, a visit every 3 to 4 months may be necessary.

When to see a dentist

Contact your dentist immediately if you experience:

• Tooth pain or sensitivity to hot or cold foods
• Bleeding, swollen, or receding gums
• Persistent bad breath (halitosis)
• Loose or drifting teeth

Good oral hygiene is the foundation of a healthy smile and overall health. By following these simple yet effective steps—brushing, flossing, maintaining a balanced diet, and visiting the dentist regularly—you can prevent dental issues and keep your teeth strong for life.

Therefore, choosing a reliable life insurer who fulfills their promise to pay the claim amount promptly and fully is crucial.

In detail about the ratios

When it comes to choosing an insurance company, two important factors to consider are the Claims Settlement Ratio and Persistency Ratio. These help show how reliable and trustworthy an insurer is.

Claims Settlement Ratio: This ratio tells you how many claims an insurance company has successfully settled compared to the number of claims it received. A high Claims Settlement Ratio means the insurer is good at paying out claims, which can build trust with customers. However, this number can sometimes be misleading because it might change depending on the number of claims, the reasons behind delays, or factors outside the insurer's control.

If a high-value claim is rejected because the person didn't disclose important health or financial details, the ratio might not reflect the true picture. That's why it's important to also look at the insurer's performance over the past few years to see if they consistently settle claims well.

Persistency Ratio: This is another important factor to check when choosing an insurer. It shows the percentage of customers who renew their policies each year. If people keep renewing their policies, it means they are happy with the insurer.

The 13th Month Persistency Ratio is particularly important, as it shows how many people renew their policies one year after they've bought them.

Net Promoter Score (NPS): NPS is a measure of how happy customers are with their insurance company.

When choosing an insurance company, it's essential to look at the Claims Settlement Ratio, Persistency Ratio, and NPS to get a complete picture of how well the company serves its customers.

1. Avoid extreme temperatures

One of the most significant factors affecting battery health is temperature. Both excessive heat and extreme cold can damage a battery's lifespan. Ideally, smartphone batteries function best between 20°C and 25°C (68°F to 77°F). Exposure to high temperatures, especially above 35°C (95°F), can accelerate battery degradation, while cold weather can cause temporary performance drops. To prevent damage, avoid leaving your phone in direct sunlight, inside a hot car, or near heat sources.

2. Use the right charger and cable

Using third-party, low-quality chargers and cables can damage your battery. Always use the charger and cable provided by the manufacturer or certified alternatives. Cheap chargers may not regulate voltage properly, leading to overheating and reduced battery efficiency.

3. Avoid overcharging your phone

Leaving your phone plugged in overnight may seem convenient, but it can negatively impact battery health in the long run. Most modern smartphones have built-in mechanisms to stop charging once they reach 100%, but staying plugged in can generate excess heat, which degrades the battery over time. If you must charge overnight, consider using a smart plug with a timer to stop charging after a few hours.

4. Reduce screen brightness and timeout

Your phone's display is one of the biggest battery drainers. Lowering brightness manually or enabling auto-brightness can help conserve battery. Also, setting the screen timeout to 30 seconds or 1 minute ensures that your phone doesn't stay on unnecessarily.

5. Enable battery saver mode when needed

Smartphones come with a battery saver mode that optimises background activity and reduces power consumption. Activating this feature when your battery is running low can help extend usage time and reduce unnecessary strain on the battery.

6. Limit background apps and features

Apps running in the background can drain your battery without you realising it. To conserve power, regularly check and close apps that you're not using. Additionally, disabling features like Bluetooth, location services, and background app refresh when not needed can help extend battery life.

7. Optimise apps and background activity

Many apps keep running in the background, consuming battery life. Close unused apps and enable battery saver mode when needed. Keeping apps updated ensures they run efficiently, reducing battery drain.

8. Avoid using your phone while charging

Using your phone for heavy tasks like gaming or video streaming while charging can generate excess heat. This heat affects battery health and may cause long-term damage. It's best to let your phone charge undisturbed.

9. Update your software regularly

Smartphone manufacturers release software updates that often include battery optimisation improvements. Keeping your phone's operating system up to date ensures you have the latest efficiency enhancements and bug fixes that can help prolong battery life.

10. Use Dark Mode (For OLED Screens)

For phones with OLED or AMOLED screens, enabling dark mode can reduce power consumption, especially when using apps for extended periods. Since black pixels require less energy than bright ones, dark mode can contribute to better battery efficiency.

11. Store properly when not in use

If you plan to store your phone for an extended period, ensure the battery is around 50% charged before turning it off. Storing it at 0% or 100% can damage the battery over time. Keeping it in a cool, dry place will also help preserve its lifespan.

12. Avoid full charge cycles frequently

One of the biggest misconceptions about smartphone batteries is that they need to be fully charged to 100% and drained to 0% regularly. Modern lithium-ion batteries work best when they operate between 20% and 80%. Constantly charging your phone to 100% or letting it drain completely can accelerate battery wear.

Taking proper care of your phone's battery can help maintain its performance and extend its lifespan. Simple practices like avoiding extreme temperatures, using the right charger, and maintaining an optimal charge range can go a long way in keeping your device running efficiently. By following these tips, you can ensure your smartphone battery stays healthy for years to come.

1. Listen actively

Good communication starts with proper listening. Pay full attention to the speaker, avoid interrupting, and show that you understand by nodding or summarizing their points.

2. Speak clearly and confidently

Use simple, concise language to express your thoughts. Avoid mumbling or speaking too fast. Confidence in your voice makes your message more impactful.

3. Know your audience

Thoroughly understand the people you are communicating with, including their background, interests, needs, and level of knowledge, so you can craft a message that is specifically relevant and impactful for them, essentially tailoring your communication to resonate with the specific audience you are targeting.

4. Maintain good body language

Non-verbal cues like eye contact, gestures, and posture play a huge role in communication. Ensure your body language is open and positive.which includes keeping your shoulders relaxed and avoiding crossed arms to convey a positive and approachable demeanor during communication.

5. Expand your vocabulary

Having good vocabulary helps you to articulate your thoughts better. Read books, listen to podcasts, and learn new words to enhance your expression.

7. Be mindful of your tone

Your tone conveys emotions. A friendly, respectful, and calm tone ensures that your message is well received. Avoid sounding aggressive or disinterested.

8. Use the 7 Cs:

When communicating, aim to be clear in your message, concise by avoiding unnecessary details, concrete with specific examples, correct with accurate information, stick to your logical flow, complete by incorporating all the details, and courteous in your tone and language.

9. Practice effective writing

Strong written communication is as important as verbal skills. Write emails, texts, and documents clearly and professionally, using correct grammar and structure.

10. Ask questions and seek feedback

Clarifying doubts and seeking feedback helps in improving communication. It also shows your interest and willingness to engage in meaningful conversations.

Communication will improve with practice, and with consistent effort, you can enhance your communication skills by incorporating the above-mentioned methods. We hope you find this article informative Stay tuned for more such articles.

Keep your phone clean

• Wipe your phone's screen gently with a microfibre cloth
• Be sure to give extra focus to the camera's lenses and edges
• Mix a 50/50 solution of 70 percent isopropyl alcohol and tap water
• Apply a tiny amount of the solution to the soft, lint-free cloth
• Clean the charging port and speaker grills using a soft brush or compressed air

Protect with a case and screen protector

• Use a durable phone case to protect against drops and scratches
• Apply a tempered glass or screen protector to prevent screen damage

Optimise battery health

• Avoid overcharging; unplug when it reaches 80-90 percent
• Don't let the battery drain completely to 0 percent; keep it above 20 percent
• Avoid charging in extreme temperatures
• Reduce screen brightness
• Limit background app usage Turn off unnecessary features like Bluetooth when not in use
• Keep your phone's operating system and apps up to date for better security and performance
• Enable automatic updates for critical security patches

Manage storage wisely

• Delete unnecessary files, photos, and apps to free up space
• Use cloud storage services like Google Drive or iCloud for backups
• Clear app caches periodically to avoid slowdowns

Avoid overheating

• Avoid using your phone for heavy activities like streaming or gaming while it is charging
• Avoid exposing it to direct sunlight or extreme heat
• Close background apps to reduce processor strain

Secure your device

• Set up a strong password, PIN, or biometric lock
• Enable two-factor authentication for accounts
• Avoid downloading apps from unknown sources

Restart your phone periodically

• Restarting once a week can help clear temporary files and improve performance

Be careful with overexposures

• Even if your phone is water-resistant, avoid prolonged exposure to water
• If it gets wet, dry it immediately and avoid charging until it's completely dry

Backup your data regularly

• Use cloud backup services or external storage to avoid losing important files

Set a consistent sleep and wake time: Choose a bedtime and wake-up time that you can stick to every day, even on weekends. This helps to regulate your body's internal clock.

Gradually adjust your schedule: If your current sleep schedule is far from ideal, make small adjustments—about 15-30 minutes earlier or later each day—until you reach your desired time.

Create a relaxing bedtime routine: Develop habits that signal your body it's time to wind down, such as reading, stretching, or listening to calming music. Avoid stimulating activities like watching TV or using electronics close to bedtime.

Limit caffeine and heavy ,eals: Avoid consuming caffeine or heavy meals late in the day, as they can disrupt your ability to fall asleep.

Get exposure to natural light: Try to get natural sunlight exposure in the morning. This helps to reset your circadian rhythm and promotes wakefulness during the day.

Be mindful of naps: If you nap during the day, keep them short (about 20-30 minutes) and avoid napping too late in the afternoon or evening.

Optimise your sleep environment: Keep your bedroom cool, quiet, and dark. Consider using earplugs, eye masks, or white noise if necessary.

Limit screen time: Blue light from screens (phones, laptops, etc.) can interfere with your sleep. Try to avoid screens at least an hour before bedtime.

Regular exercise: Regular exercise will help you to fall asleep fast and enjoy a sound sleep. Just be careful not to exercise too close to bedtime, as it could energise you and make it harder to sleep.

Be patient: It may take time for your body to adjust to a new sleep schedule. Stick with it consistently, and you should notice improvements.

1. Decide on your gardening type

Before starting, determine the type of garden you want. You can choose to grow:

• Flowers for aesthetic appeal and fragrance
• Herbs for culinary and medicinal use
• Vegetables for a homegrown food source
• Indoor plants if you have limited outdoor space

2. Choose the right location

Selecting an ideal spot is crucial for plant growth. Ensure the area gets at least six hours of sunlight daily and has proper soil drainage to prevent waterlogging. If outdoor space is limited, try container gardening or vertical gardening to maximize space.

3. Prepare the soil

Healthy soil is key to a thriving garden. Loosen the soil using a spade or rake and enrich it with organic compost or manure to improve fertility. Testing the soil's pH level can also be beneficial—lime can be added to reduce acidity, while sulfur can balance alkaline soil.

4. Use raised beds for better growth

If your garden soil is poor or space is restricted, consider using raised beds. These structures enhance drainage, improve soil quality, and make gardening more manageable, especially for beginners.

5. Select suitable plants

Choosing plants that thrive in your local climate and soil type will increase your chances of success. Opt for low-maintenance plants if you're a beginner, such as marigolds, basil, or lettuce.

6. Gather essential gardening tools

Investing in the right tools makes gardening easier and more efficient. Some must-have tools include:

• Rakes – For loosening soil, gathering leaves, and spreading mulch
• Shovels – Essential for digging, lifting soil, and planting
• Trowels – Handy for smaller digging tasks and transplanting seedlings
• Wheelbarrows – Helps transport soil, compost, and other materials
• Pruning shears – Used for trimming plants and removing dead stems
• Garden hoses – Ensures proper irrigation for your plants

7. Plant your seeds or seedlings

Follow the planting instructions specific to each plant, ensuring they have enough space to grow. Plant seeds at the correct depth and water them thoroughly to help establish strong roots.

8. Maintain your garden regularly

Gardening requires consistent care and attention. To keep your plants healthy:

• Water them regularly, but avoid overwatering
• Monitor for pests and diseases, and address issues promptly
• Fertilize periodically to provide essential nutrients

9. Enjoy the process and be patient

Gardening is a continuous learning experience. Be patient and enjoy the journey as you watch your plants flourish. Over time, you'll develop the skills and knowledge to grow a thriving garden.

By following these steps, you can create a beautiful and sustainable green space at home, contributing to a healthier environment while experiencing the joys of gardening.

Step 1: Choosing the right aquarium

The first step is selecting an appropriately sized aquarium. A larger tank (20 gallons or more) is easier to maintain as it offers greater stability in water parameters. Tanks are usually made of either glass or acrylic—glass is more scratch-resistant, while acrylic is lighter but prone to scratches.

Placement Considerations:

• Avoid direct sunlight to prevent excessive algae growth.
• Use a stable surface that can support the tank's weight when filled.
• Ensure proximity to an electrical outlet for filters, heaters, and lighting.

Step 2: Gathering essential equipment

• To maintain a healthy aquarium, invest in the following equipment:
• Filter: Keeps water clean by removing debris and toxins.
• Heater: Necessary for tropical fish to maintain a stable temperature.
• Lighting: LED lights provide proper illumination and support plant growth.
• Substrate: Gravel or sand helps beneficial bacteria colonise.
• Water Conditioner: Neutralises harmful chlorine from tap water.
• Thermometer: Ensures water temperature remains optimal.
• 

Step 3: Preparing the tank

• Rinse the tank and decorations with plain water (avoid soap).
• Add 2-3 inches of substrate to the tank bottom.
• Arrange decorations like plants, rocks, and driftwood to create a natural look.

Step 4: Filling the tank with water

• Use dechlorinated water or treat tap water with a conditioner.
• Fill the tank slowly to prevent disturbing the substrate.
• Follow the recommended dosage for the water conditioner based on tank volume.

Step 5: Installing equipment

• Set up the filter according to manufacturer instructions.
• Place the heater near a water flow source and set the correct temperature.
• Install lighting and set a timer to maintain a natural day-night cycle.

Step 6: Cycling the tank before adding fish

• A new aquarium needs time to establish a nitrogen cycle before adding fish.
• Run the tank for 1-2 weeks without fish.
• Add beneficial bacteria supplements to speed up the cycling process.
• Test water parameters for ammonia, nitrites, and nitrates before introducing fish.

Step 7: Adding fish gradually

• Start with a few hardy fish to prevent overloading the tank.
• Acclimate fish properly by floating the bag in the tank for 15-20 minutes.
• Slowly mix tank water into the bag before releasing the fish.

Step 8: Maintaining the aquarium

• Perform weekly water changes of 10-20% of the tank volume.
• Monitor water quality using test kits.
• Remove algae buildup and clean the filter regularly.
• Feed fish appropriately to prevent overfeeding and water contamination.

By following these steps, you can create a beautiful and thriving aquarium that supports the health of your fish. Stay tuned for more expert tips on aquarium care and fishkeeping!

1. Find a quiet space:

• Choose a calm, quiet place where you won't be disturbed. It can be a room, a cozy corner, or even outside in nature. The space should feel peaceful to you.

2. Get comfortable:

• Sit down in a comfortable position. Make sure you sit with your back straight but relaxed, and your body is at ease. You can also use a blanket or pillow for added comfort.
• You can also lie down if sitting feels uncomfortable but be aware that lying down might make you feel sleepy.

3. Close your eyes:

• Gently close your eyes to avoid distractions. If you're more comfortable keeping them open, keep your gaze at a fixed point, which will help you to maintain focus.

4. Focus on your breath:

• Start by bringing attention to your breath. Breathe naturally, without forcing it. Feel the air as it enters your nostril and leaves your body.
• Focus on the sensation of the breath—notice how it feels in your chest, stomach, or nose. This becomes your anchor.

5. Observe your thoughts:

• As you meditate, your mind will naturally wander. This is completely normal. Instead of judging yourself, gently guide your focus back to your breath.
• Don't try to control your thoughts. Simply observe them as they come and go, like clouds drifting across the sky.

6. Body scan (optional):

• Mentally scan your body from head to toe, noting any sensations without judgment. This practice enhances bodily awareness and relaxation.

7. Start with short sessions:

• As a beginner, start with 5 to 10 minutes per session. You can gradually increase the time as you become more comfortable with the practice.

8. Use guided meditation (optional):

• If you find it difficult to meditate on your own, try using a guided meditation app or video. These often provide instructions and a calming voice to help keep you focused.

9. End gently:

• When you're ready to finish your session, don't rush. Slowly bring your awareness back to your surroundings. Gently wiggle your fingers and toes and stretch your body. Open your eyes when you're ready, and take a few moments to notice how you feel.

10. Be patient:

• Meditation takes practice, and it's normal for your mind to wander

Managing lactose intolerance involves a combination of dietary adjustments, enzyme supplementation, and sometimes professional guidance. Here are several strategies to help control symptoms and manage your lactose intolerance:

1. Identify Your Tolerance Level

Some people can handle small amounts of lactose, while others need to avoid it completely. Try different dairy products in small amounts to see what works for you.

2. Switch to Lactose-Free Dairy Products

You can also find lactose-free cheese, yoghurt, and other dairy products. It can be hard to get enough calcium when you are lactose intolerant. Lactose-free milk, however, has the same amount of calcium as regular milk.

3. Try Dairy Alternatives

Use almond, soy, oat, coconut, or cashew milk instead of regular milk.
Non-dairy cheese, yogurt, and butter are also available.

4. Take Lactase Enzyme Supplements
Over-the-counter lactase tablets or drops help break down lactose so you can digest dairy more easily. Take them just before eating dairy.

5. Choose Aged Cheeses & Yogurt

Hard cheeses (cheddar, Swiss, Parmesan) contain less lactose.
Yogurt with probiotics helps digestion and is often better tolerated.

6. Calcium and Vitamin D

Limiting dairy can impact your calcium intake; ensure you get enough calcium from non-dairy sources like leafy greens, fortified plant-based milk, and tofu.

7. Consume Dairy with Other Foods

Eating dairy alongside other foods (e.g., milk with cereal) may slow digestion and reduce symptoms.

9. Check Labels for Hidden Lactose

Processed foods like bread, sauces, soups, and candies may contain lactose.

10. Consult a healthcare professional:

Discuss your lactose intolerance with a doctor or registered dietitian to develop a personalized management plan.

Cancelling an E-ticket

• Visit the IRCTC website and sign in with your credentials.
• Under the 'Trains' section, select 'Cancel Ticket' and choose 'E-ticket' or 'Counter Ticket' as applicable.
• Choose the specific ticket you wish to cancel from your booked tickets list.
• Follow the on-screen instructions to confirm the cancellation.

Cancelling a counter ticket

• Visit the IRCTC Counter Ticket Cancellation page.
• Input your PNR number, train number, and the displayed Captcha code.
• Click on 'Submit.' An OTP will be sent to the mobile number provided during booking.
• Enter the received OTP and click 'Submit.'
• Once the OTP is validated, your PNR details will appear on the screen.
• After verifying the details, click on 'Cancel Ticket' for full cancellation. The refundable amount will be displayed.
• An SMS containing the PNR and refund details will be sent to your registered mobile number.

Cancellation of e-Tickets before chart preparation of the train

If a confirmed ticket is cancelled more than 48 hours before the scheduled departure of the train, a flat cancellation fee is deducted per passenger:

• AC First Class/Executive Class: ₹240
• AC 2 Tier/First Class: ₹200
• AC 3 Tier/AC Chair Car/AC 3 Economy: ₹180
• Sleeper Class: ₹120
• Second Class: ₹60

Within 48 to 12 hours before departure: 25% of the fare is deducted, subject to the minimum flat rates mentioned above.

Within 12 hours to 4 hours before departure (up to chart preparation): 50% of the fare is deducted, subject to the minimum flat rates.

No refund of fare shall be admissible on the tickets having confirmed reservation in case ticket is not cancelled online or TDR not filed online up to four hours before the scheduled departure of the train.

Note: The Chart preparation time is the time for the chart preparation from the Train Originating Station or from the previous chart Preparation station

Cancellation charges for RAC or waitlisted tickets

• To obtain a refund for an e-ticket, it must be cancelled online, or a TDR should be filed within the specified timeframes outlined in the refund rules.
• In case a wait-listed ticket is cancelled online, the refund of fare shall be made after deducting the cancellation charge of ₹ 20/- +GST per passenger, if the ticket is cancelled online up to four hours before the scheduled departure of the train.
• If all passengers on a ticket remain on waiting list after first charting, user need not cancel such tickets. Such tickets will be cancelled automatically through the system, and the full refund will be credited back, without deducting any cancellation.

Cancellation charges for partially confirmed tickets

In case, on a party e-ticket or a family e-ticket issued for travel of more than one passenger, some passengers have confirmed reservations and others are on the waiting list, full refund of fare, less a cancellation charge of ₹ 20/- +GST per passenger, shall be admissible for confirmed passengers also subject to the condition that the ticket shall be cancelled online or an online TDR shall be filed for all the passengers up to four hours before the scheduled departure of the train.

Cancellation charges for full waitlist ticket

• For e-tickets where all passengers remain waitlisted after the reservation chart is prepared, the system will automatically cancel these tickets. A full refund of the fare, minus clerkage charges, will be credited to the account used for booking.
• For i-tickets that are waitlisted, cancellations can be processed at any computerised Passenger Reservation System (PRS) counter up to 30 minutes before the train's scheduled departure, regardless of the travel distance. Refunds will be issued after deducting the applicable clerkage fee.

Cancellation of Train

• E-Tickets: For trains cancelled by Indian Railways, a full refund will be automatically processed by IRCTC. Users do not need to cancel their e-tickets or file a TDR; the full fare will be credited back to the account used for booking.
• I-tickets: In case of an i-ticket, the ticket can be cancelled up to 72 hours after the scheduled departure of the train at any computerised reservation counter.

Understanding these procedures ensures a smoother experience when cancelling and refunding train tickets through IRCTC.

To get a GST (Goods and Services Tax) number in India, follow these steps:

Step 1: Check eligibility

• GST registration is mandatory for businesses with an annual turnover above ₹40 lakh (₹20 lakh for service providers).
• It is also mandatory for e-commerce sellers, interstate suppliers, and specific businesses like exporters.

Step 2: Gather required documents

You will need:

• PAN card of the business or individual.
• Aadhaar Card of the owner or partners.
• Business Address Proof (Electricity Bill, Rent Agreement, NOC).
• Bank Account Details (Cancelled check, bank statement, or passbook).
• Business Registration Proof (Partnership deed, incorporation certificate, etc.).
• Photographs of the owner or authorised individual company partnership signatory.

Step 3: Register online on the GST portal

• Go to the GST portal: https://www.gst.gov.in
• Click on service—Registration
• Select "New Registration" and fill in the details- Type of taxpayer (individual, company, partnership, etc.), State and district, PAN, mobile number, and email
• You will receive an OTP for verification.

Step 4: Complete the application (Part-B)

• Enter business details, proprietor/partner details, and address.
• Upload scanned copies of the required documents.
• Add bank details and business activity information.
• Choose Authorised Signatory and digitally sign using DSC or Aadhaar OTP.
• GST registration is completely free if you do it yourself on the government's GST portal.

Step 5: Submit and receive ARN

• After submission, you will get an Application Reference Number (ARN) via SMS and email.
• You can track the application using this ARN on the GST portal.

Step 6: Verification & GST number issuence

• The GST department will verify your application.
• If everything is correct, you will receive the GSTIN (GST Identification Number) within 3–7 working days.

Step 7: Download the GST certificate

• Once approved, log in to the GST portal and download the GST Registration Certificate.

After registration, you can start filing GST returns and comply with GST regulations.

Steps to analyse your time usage:

• Keep a time log for at least a week. Write down what you do each hour.
• Identify time-wasting activities like excessive social media scrolling, TV, or unproductive meetings.
• Once you analyse your time, eliminate distractions and unproductive habits.

Prioritise tasks with the Eisenhower Matrix

• Urgent & Important: Do these tasks immediately.
• Important but Not Urgent: Schedule them for later.
• Urgent but Not Important: Delegate them.
• Neither urgent nor important: Eliminate them.

2. Use a to-do list or planner

• Write down your daily, weekly, and monthly goals.
• Break large tasks into smaller, manageable steps.

3. Set clear and attainable goals (SMART goals)

Goal setting helps you stay focused and productive.

• Specific: Clearly define your task (e.g., "Complete my English lesson")
• Measurable: Make it trackable ("I will practice English for 30 minutes daily")
• Achievable: Ensure it's realistic (Don't aim for 5 hours daily if you only have 1 hour)
• Relevant: Align with your priorities (If improving English is important, prioritise it.)
• Time-bound: Set deadlines ("Complete my vocabulary list by Sunday")

4. Follow the 80/20 rule (Pareto Principle)
This rule emphasises identifying the 20% of your efforts or inputs that produce the most significant 80% of your results and focus your energy primarily on those key areas to maximise your impact and efficiency; essentially, prioritise the "vital few" that generate the most significant outcomes.

5. Use time-blocking method

• Allocate specific time slots for different tasks.
• Stick to the assigned time frame.
• Avoid distractions during these blocks.
• Avoid multitasking, as it reduces efficiency.

6. Apply the Pomodoro Technique
The Pomodoro Technique is a time management method that helps you focus on a task for a set amount of time. It involves setting a timer, working on the task until the timer goes off, and then taking a break.

7. Learn to say 'no'
Avoid unnecessary commitments that drain your time with a 'no.'

8. Avoid procrastination
Use the "Two-Minute Rule": If a task takes less than 2 minutes, do it immediately.
Break big tasks into smaller, less overwhelming parts.

9. Minimise distractions
To minimise distractions, you can try to create a distraction-free environment, set goals, and take breaks. You can also try to limit background noise, reduce visual distractions, and turn off notifications.

10. Review & reflect
At the end of each day, analyse what worked and what didn't. Thereby, adjust your strategy accordingly.

So, following these steps will help you with time management. We hope you find this article informative. Stay connected with us for more such articles.

To help you clean your PC or laptop safely and effectively, here's a detailed step-by-step guide.

1. Turn off and unplug your device

• For laptops: Shut down the laptop, unplug the power adapter, and if your model has a removable battery, take it out.
• For desktops: Shut down the PC and unplug it from the power source.

2. Gather the necessary cleaning materials

• Soft microfiber cloths (for wiping down surfaces)
• Screen-safe cleaning solution or distilled water (avoid alcohol-based cleaners on screens)
• Compressed air canister (for blowing out dust)
• Small brush (soft-bristled for delicate areas)
• Cotton swabs or Q-tips (for tight spaces)
• Small screwdriver (optional, for opening the laptop/PC case)
• Anti-static wrist strap (recommended for internal cleaning)

3. Clean the exterior

• Screen: Use a microfiber cloth slightly dampened with a screen-safe cleaner or distilled water. Do not use isopropyl alcohol on screens, as it may damage anti-glare coatings. Avoid excessive pressure.
• Keyboard: Use a dry microfiber cloth to wipe down the keys. Compressed air can help remove dust between keys. For stubborn grime, use a cotton swab lightly dipped in isopropyl alcohol and gently clean the keycaps.
• Touchpad: Wipe the touchpad gently with a slightly damp microfiber cloth, ensuring no excess moisture enters the edges. Dry it with a clean, dry cloth afterward.
• Ports and vents: Use compressed air in short bursts, holding the can at an angle and keeping a few inches away from the device. This prevents condensation from forming inside.

4. Cleaning the interior (for desktops and laptops)

• Laptops: If comfortable doing so, open the back cover. Use compressed air in short bursts to remove dust from fans and vents while holding the fan in place to prevent spinning.
• Desktops: Open the case (refer to your manual if needed). Use compressed air to clean dust from fans, heatsinks, and the power supply. Hold the fans in place while cleaning to avoid damage.

Caution:

• Always ground yourself using an anti-static wrist strap before touching internal components.
• Never touch delicate components directly.
• Do not use excessive compressed air force, as it can damage fragile parts.

5. Clean the mouse and other peripherals

• Wipe down the mouse with a microfiber cloth to remove skin oils and dirt.
• Use compressed air to clean the scroll wheel and seams. Avoid blowing air under the mouse buttons unless the model allows easy cleaning.

6. Reassemble (if applicable)
Once everything is clean and dry, reassemble your laptop or desktop carefully.

7. Optimise your system with software cleaning

To free up space and improve performance, consider:

• Running Disk Cleanup (Windows) or Storage Management (Mac) to remove unnecessary files.
• Using Defragmentation for HDDs (not needed for SSDs).

Safety Tips:

• Avoid using harsh chemicals or water directly on electronic components.
• Never spray compressed air directly into sensitive parts—keep the nozzle at a safe distance.
• Always handle internal components carefully to prevent damage.

By following these steps, you can keep your PC or laptop in top condition and running smoothly. Stay connected with us for more helpful guides!

Compiled by Sandwana P.K

What is a domicile certificate?

A domicile certificate is an official document issued by the government that certifies an individual's permanent residency in a particular state or union territory in a country. It is often used as proof of permanent residence and serves as evidence that a person has been living in a specific place for a significant period.

Eligibility criteria

Permanent resident: You should have been residing in the state for a specified period (varies by state, typically 5–15 years).

Proof of residency: Provide valid documents showing residence in the state.

Documents required

• Aadhaar card
• Affidavit
• Birth certificate
• Election ID card
• ID proof
• Ration card
• School certificate of parents.

Steps to apply for a Domicile Certificate

Offline Method

• Obtain the application form: Visit the local village office, SDM office, or revenue department.
• Fill out the application form: Provide personal details like name, address, and reason for applying.
• Attach documents: Ensure all required documents are attached to the application.
• Submit the form: Submit it to the concerned officer along with the prescribed fee.
• Verification process: An official may visit your residence for verification.
• Receive the certificate: Once approved, the domicile certificate will be issued within 7–15 working days.

Usually, the designated authorities of the state government/UT issue the domicile certificate, such as the Tehsildar officer, revenue department officer, District Magistrate (DM), Sub Divisional Officer (SDO), Sub Divisional Magistrate (SDM) or circle officer.

Online method

• Visit the official website: https://edistrict.kerala.gov.in
• Register/Login: Create an account or log in using your credentials.
• Select the service: Look for "Domicile Certificate" or "Residence Certificate" under citizen services.
• Fill the online Form: Enter details such as name, address, and duration of residency.
• Upload documents: Scan and upload the required documents.
• Pay the fee: Pay the application fee through the portal.

Fee detail

Akshaya portal:

• General - Rs 25-15
• BPL- Rs 15-15

Track application:

Use the acknowledgement number to track the status.

Download Certificate: Once approved, download the digitally signed certificate.

Processing time

• Offline: 7–15 working days.
• Online: 3–10 working days (varies by state)

Eligibility

• The applicant must belong to a recognized SC, ST, or OBC community as per Kerala government records.
• For children, the parent's community status determines eligibility.

Documents Required

To apply for a community certificate, the following documents are needed:

• Proof of caste (self)
• Ration card
• School leaving certificate
• Affidavit
• Any relevant document certifying caste
• Gazette Notification
• Ration Card

Where to apply

You can apply for the community certificate online through the e-District portal or offline at your local village office, Akshaya centres.

Online Application Process

1. Visit the Portal
Go to the Kerala e-District portal: https://edistrict.kerala.gov.in.

2. Register or Log In
New users must register with a valid email ID and mobile number.
Existing users can log in with their credentials.

3. Select the Service
Choose "Community Certificate"from the list of services.

4. Fill in the Application
Provide your personal details, including name, parent's name, date of birth, community, and address.

5. Upload Documents
Attach the required documents, such as proof of identity, address, and caste.

6. Make Payment
General applicants: Rs. 25
BPL applicants: Rs. 15

Payment can be made online using a credit card, debit card, UPI or net banking.

7. Submit the Application
Review your details and submit the form. An application number will be generated for tracking purposes.

8. Verification
Authorities will verify the details and documents. This may include an on-site inquiry.

9. Getting the Certificate
Once approved, you can download the certificate from the portal or collect it from the concerned office.

Offline Application Process

Visit your local village office, submit the required documents, and follow the instructions provided by the officials.

Processing Time: The certificate is typically issued within 5 working days from the date of application.

Validity: The community certificate is valid for 3 years from the date of issue.

1. Regular engine oil change

Engine oil lubricates the engine, preventing wear and tear. Follow the manufacturer's recommended interval for oil changes, usually every 5,000 to 10,000 km, depending on the type of oil used. Choose high-quality oil and always check the oil level monthly.

2. Monitor tire pressure and tread

Proper tire pressure ensures better fuel efficiency and handling, while worn-out tires can lead to accidents. Check tire pressure monthly using a pressure gauge. Refer to your car's manual for the recommended PSI. Rotate tires every 10,000 to 15,000 km for even wear.

3. Keep the battery in check

A good battery ensures smooth starting and proper functioning of electrical systems. Inspect the battery for corrosion and ensure the terminals are clean and tight. If your car is frequently exposed to high temperatures, consider replacing the battery every 2-3 years.

4. Clean and replace air filter regularly

A clean air filter ensures better engine performance, fuel efficiency, and reduces emissions. Check the air filter every 10,000 to 15,000 km and replace it if necessary. Clean the air filter if it's reusable or replace it if it's clogged.

5. Regular fluid checks

Fluids such as brake fluid, coolant, and transmission fluid keep the car's various systems running smoothly. Check the levels of these fluids regularly, especially before long drives or after heavy usage. Replace coolant and brake fluid as per the manufacturer's guidelines (usually every 2 years).

6. Use good-quality fuel

Impure or low-quality fuel can damage the engine over time. Always fill up at reputed petrol stations, and avoid fuel that looks dirty or is stored in poor conditions. Consider using fuel additives occasionally to keep the engine clean.

7. Drive smoothly and avoid overloading

Hard accelerations, sudden braking, and overloading put extra strain on the car, reducing its lifespan. Drive with smooth acceleration and braking, and follow speed limits. Avoid carrying excess weight in the car. If possible, avoid high-speed driving on long trips to reduce engine stress.

8. Get regular brake checks

The braking system is critical for safety, and worn-out brakes can be dangerous. Check the brake pads and discs every 15,000 to 20,000 km. If you notice any issues like squeaking, reduced responsiveness, or unusual vibrations, get the brakes checked immediately.

9. Maintain the suspension system

The suspension system absorbs shocks, providing a smooth ride and protecting the vehicle from road conditions. Regularly inspect the shocks and struts for wear and replace them if needed. Avoid driving over rough or uneven roads too frequently, which can damage the suspension.

10. Wash and wax your car regularly

Frequent washing removes dirt, salt, and grime that can cause rust or corrosion, while waxing protects the paint. Wash the car weekly, especially after driving on muddy or salty roads. Wax it every 3-4 months. If your car is often exposed to the sun, use a protective cover to reduce the risk of fading.

11. Check for rust and corrosion

Rust can weaken the structure of the car and is a common issue in coastal or rainy areas of India. Inspect under the car and around the wheel wells regularly. If rust is found, address it immediately with a rust-proofing treatment. Apply a protective undercoating to shield the car from rust.

12. Keep the exhaust system in check

A faulty exhaust system can reduce fuel efficiency and cause environmental pollution. Have the exhaust system inspected during regular service intervals for leaks or damage. Clean the exhaust pipe regularly to prevent clogging and keep emissions low.

13. Check the timing belt

A broken timing belt can cause severe engine damage. Check the timing belt at the recommended interval (typically every 80,000 to 1,00,000 km) and replace it when needed. If the belt appears cracked or worn, replace it immediately to avoid potential engine failure.

14. Avoid overheating

Overheating can lead to engine failure. Ensure the cooling system (radiator and coolant levels) is in good condition and the radiator cap is tight. Never drive with the air conditioner on full blast in hot weather, as this puts extra strain on the engine.

15. Take your car for regular servicing

Regular servicing by a certified mechanic can catch issues before they become major problems. Follow the service intervals recommended by your car's manufacturer (usually every 10,000 km). Get a full check-up done during service, including a diagnostic test for electrical systems.

By following these maintenance tips, you can ensure your car remains in top condition for years to come. Regular care and attention are key to avoiding costly repairs and ensuring a smooth driving experience.

Ingredients:

Fresh coffee beans (or ground coffee)
Clean, filtered water
Optional: Sugar, milk, cream, or other flavourings (as per preference)

Equipment:

Coffee maker (e.g., drip machine, French press, or pour-over setup)
Coffee grinder (if using whole beans)
Measuring spoon or scale
Kettle (for hot water)

1. Choose Quality Coffee: Select freshly roasted beans for the best flavour. If possible, grind the beans just before brewing to ensure maximum freshness.

2. Measure Coffee-to-Water Ratio: A standard ratio is 1 to 2 tablespoons of coffee per 6 ounces of water. Adjust according to your taste preference (stronger or milder).

3. Heat the Water: Use filtered water and heat it to about 195–205°F (90–96°C). This temperature is ideal for extracting the flavours without overcooking the coffee.

4. Grind Coffee (if using whole beans):

For French press: Use a coarse grind.
For drip coffee makers: Use a medium grind.
For espresso: Use a fine grind.

5. Brew the Coffee:

Drip Coffee Maker: Add the coffee grounds to the filter, pour in the water, and let the machine brew.
French Press: Add the coffee grounds to the press, pour in hot water, stir, and let it steep for about 4 minutes before pressing.
Pour-Over: Place a filter in the dripper, add coffee grounds, and pour hot water in a slow, circular motion over the grounds.

6. Customise Your Coffee: Add sugar, milk, cream, or your favourite flavourings, such as vanilla, cinnamon, or chocolate syrup, according to your preference.

7. Serve and Enjoy: Pour the coffee into a clean mug and savour the aroma and taste.

Pro Tips for a Great Cup:

• Use freshly ground coffee for the best aroma and flavour.
• Keep your coffee maker and tools clean to avoid old residue affecting the taste.
• Experiment with brewing methods to find what suits your taste (e.g., espresso for a strong coffee or pour-over for a clean, nuanced flavour).
  

Enjoy a delightful coffee by incorporating these steps the next time you make your brew.

Compiled by Sandwana PK

Materials you will need

• A plant: Choose from indoor-friendly varieties like succulents, pothos, or herbs.
• A pot with drainage holes: This ensures your plant doesn't suffer from waterlogging.
• Potting soil: Pick one suited for your plant type (eg., cactus mix for succulents).
• Small stones or pebbles: For drainage.
• A trowel or scoop: To handle the soil.
• Watering can: For gentle watering.
• A saucer (optional): To catch excess water.

Step-by-step process

Choose your plant and pot: Select a plant that fits your home's environment. For low-light areas, go for plants like pothos or snake plants. If you have plenty of sunlight, succulents or herbs are great options.

Pick a pot slightly larger than the plant's root ball, with drainage holes to allow excess water to escape.

Prepare the pot: Add a layer of small stones or pebbles at the bottom of the pot for drainage. Cover the stones with a thin layer of potting soil to create a stable base for your plant.

Remove the plant from its nursery pot: Gently remove the plant from its current pot. If it's stuck, tap the sides or squeeze the nursery pot to loosen it. Shake off any excess soil from the roots, being careful not to damage them.

Place the plant in the new pot: Centre the plant in the new pot. Ensure the top of the root ball sits slightly below the rim. Fill in the gaps around the plant with potting soil, pressing gently to remove air pockets but avoiding compacting the soil too much.

Water your plant: Water the plant gently until water begins to drain from the bottom. This ensures the soil is evenly moist without becoming soggy.

Find the perfect spot: Place your plant in a location that matches its light needs. Succulents thrive in bright sunlight, while pothos and snake plants prefer indirect or low light.

Caring for your plant:

Watering: Keep the soil moist but avoid overwatering.

Sunlight: Ensure the plant gets adequate light based on its type.

Fertilising: Feed your plant periodically, using fertilizers designed for its species.

Monitoring: Keep an eye out for signs of overwatering, underwatering, or pests.

Why potting plants is worth it

Potting a plant not only helps purify your indoor air but also adds a touch of greenery that can boost your mood and productivity. With the right care, your potted plants can thrive and bring joy to your living space for years to come.

About Kerala PSC

The Kerala Public Service Commission (Kerala PSC) is a state-level government body responsible for recruiting candidates for civil service jobs and other government posts in Kerala. It conducts competitive examinations and direct recruitment processes to ensure that the best and most qualified candidates are selected for various roles in the state government.

Visit the Kerala PSC Thulasi Portal

Step 1: Go to the official Kerala PSC Thulasi website: https://thulasi.psc.kerala.gov.in. Click on the "New Registration"link.

Step 2: Create a New Account

Enter Basic Details:

• Full Name (as per official records)
• Date of Birth
• Gender
• Nationality

Contact Information:

• Active mobile number (you will receive OTPs and alerts here)
• Email ID

User ID and Password:

• Set a unique user ID (easy to remember)
• Set a secure password. (Ensure it meets the requirements mentioned)

Security Question:

Select a security question and provide an answer for account recovery.

Step 3: Upload Documents

Photo:

• Upload a recent passport-sized color photo (in JPG format)
• The photo should have your name and the date of photo capture printed at the bottom
• Size: Maximum 30 KB

Signature:

• Upload a scanned signature (in JPG format)
• Size: Maximum 30 KB
• Image Dimension: 150W X 100H px, Image Type: JPG

Step 4: Fill in Educational Details

1. Enter your educational qualifications (SSLC, plus two, degree, etc.)

2. Upload certificates (if required)

Step 5: Submit and Activate Account

1. Review all details carefully

2. Click on "Register"to complete the process

3. Verify your account via the OTP sent to your mobile or email

Step 6: Log In and Complete Profile

1. Log in to the Thulasi portal using your user ID and password
2. Update your profile with any additional details like:
   - Work experience
   - Community certificate (if applicable)
3. Select the jobs/exams you want to apply for from the notification tab

So, these are the steps to register in PSC one-time registration. We hope you find this article informative. Stay connected with us for more such articles.

A driving licence in India is issued by the Regional Transport Office (RTO) or Regional Transport Authority (RTA), authorizing an individual to operate a motor vehicle on public roads. It serves as both an identity proof and a certification of the holder's ability to drive a vehicle in compliance with traffic laws.

Types of Driving Licences in India

Learner's Licence: Temporary licence issued to new drivers for practising.

Permanent Driving Licence: Issued after the successful completion of a driving test.

Commercial Driving Licence: For individuals driving commercial vehicles like trucks, buses, etc.

International Driving Permit (IDP): The International Driving Permit (IDP) allows Indian citizens to drive in foreign countries.

Check Eligibility

You can apply for a driving licence online through the official Parivahan Sewa website, which is managed by the Ministry of Road Transport and Highways:

To attain a driving licence, one should attain certain age limits.

• To ride a two-wheeler without gear, one should attain 16+ years.
• Two-Wheeler With Gear & Light Motor Vehicles: 18+ years.
• Commercial Vehicles: 20+ years.

You can apply for a permanent licence: Can apply 30 days after receiving a learner's licence (valid for 6 months).

Step 2: Gather Documents

• Proof of Identity: For proof of identity, get any of the credentials like Aadhaar card, passport, PAN card, etc.
• Proof of Address: Utility bills, ration cards, passports, etc., are acceptable as proof of age.
• Proof of Age: Birth certificate, SSLC certificate, Aadhaar card, etc., are acceptable as proof of age.
• Learner's License (If applying for a permanent one).
• Form 1 & 1A: For medical fitness (only for applicants above 50 years or for commercial vehicles).
• Eye test certificate to be obtained from an ophthalmologist.
• Passport-sized Photos.

Step 3: Application Mode

• To apply in online mode, visit the website https://sarathi.parivahan.gov.in/
• To apply in offline mode Visit the nearest Regional Transport Office (RTO).

1. For Learner's Licence:
2. Visit the Parivahan Sewa Portal:
   • Go to Driving License > Apply for Learner Licence.

Following are the stages of application for applying for a learner's licence.

1. Fill in the application details.

2. Upload photo and signature

3. Upload documents

4. fee payment (fees may vary according to the type of your vehicle )

(Issue of learner's licence in form 3 for each class of vehicle: Rs 150)

5. Verify the payment status

6. Print the receipt

7. Book a slot for the Learner's licence test.

8. Appear for the test with a basic knowledge test about traffic rules and signs.

1. For Permanent License:
2. Wait at least 30 days after getting your learner's licence.

Steps to follow for a new driving licence:

1. Visit https://sarathi.parivahan.gov.in/

2. Select concerned state

3. Click on "New Driving Licence" from the "Driving Licence" menu.

4. Enter your "Learning Licence Number" & "Date of Birth" to further proceed

5. Fill out the application form.

6. Click on the Next button to proceed.

7. Visit RTO on the scheduled date with original documents & fee slip.

Step 5: Offline Application (Optional)

1. Visit the RTO: Collect application forms for a learner's or permanent licence.
2. Submit Documents: Attach photocopies along with the filled form.
3. Pay Fees: Pay at the RTO counter.
4. Attend Test: For both learner's and driving licences.
5. Collect License: Either on the spot (LL) or by post (DL).

Step 6: Fee Structure

• Learner's Licence Fee: ₹150–₹500.
• Driving Test Fee: ₹300–₹1,000 (varies).
• Smart Card DL: ₹200

For more details, visit the official website https://sarathi.parivahan.gov.in/

1. Register/Login to the Passport Seva Online Portal

• Visit the www.passportindia.gov.in
• If you have already registered, log in using your existing login ID and Password.
• If you are a new user, click on the "Register Now" link on the homepage to create a new account.

2. Apply for Passport Renewal

• After logging in, click on "Apply for Fresh Passport/Re-issue of Passport" under the "Services" tab.
• Select "Re-issue of Passport" as the type of application.
• Fill in the required details, such as personal information, address, and contact details.

3. Fill in the Application Form

• Complete the form accurately, ensuring all information is accurate, particularly the passport details you are renewing.
• Once completed, click "Submit" to save your application..

4. Pay the Application Fee

• After submitting the form, you will be directed to the payment page.
• Online payment is mandatory for booking appointments.
• You can make the payment using one of the following methods: Credit/Debit Card (MasterCard or Visa) ,Internet Banking (SBI and other banks), SBI Bank Challan, for a standard renewal, a 36-page passport, the fee structure is ₹1,500, and for a 60-page passport, the fee is ₹2,000.

5. Schedule an Appointment

• After successful payment, click on the "Pay and Schedule Appointment" link.
• Choose a date and time for your appointment at the nearest Passport Seva Kendra (PSK) or Regional Passport Office (RPO).

6. Print the Application Receipt

• Once your appointment is scheduled, you can print the Application Receipt containing your Appointment Number and Application Reference Number (ARN).
• Carry the SMS confirmation with your appointment details if you are not printing the receipt.

7. Visit the PSK/RPO

• On the scheduled date, visit the Passport Seva Kendra or Regional Passport Office with the original documents.
• Documents typically required for passport renewal include: Old passport (original and photocopy), Proof of address (e.g., utility bill, bank statement), Proof of identity (e.g., Aadhaar card, voter ID), Passport-sized photographs (check guidelines for specifications).

8. Biometric Data and Document Verification

• At the PSK/RPO, your documents will be verified.
• Biometric data (fingerprints, photographs) will be taken for the renewal process.

9. Wait for Passport Delivery

• After successful verification, your new passport will be processed.
• You will receive an SMS/email with updates regarding your passport status.
• The renewed passport will be sent to the address you provided during the application process.

We hope you find this article informative regarding the renewal for your passport. Stay connected with us for more such informative articles.

1. Account Features
   Eligibility:

• a single adult;
• two adults jointly;
• a guardian on behalf of a minor;
• a guardian on behalf of a person of unsound mind;
• A minor who has attained the age of ten years, in his own name
• Only one account can be opened by an individual as a single account.
• Only one account can be opened in the name of a minor/above 10 years of age (self)/person of unsound mind.
• In case of the death of a joint holder, the surviving holder will be the sole holder, if the surviving holder already has a single account in his/her name, the Joint account has to be closed.
• Conversion of single to joint account or vice versa is not allowed.
• Nomination is mandatory at the time of opening of account.
• Minor after attaining majority has to submit a fresh account opening form and KYC documents of his/her name at the concerned Post Office for conversion in his/her name.
  
  Interest Rate:
• 4% per annum, credited annually.

Deposit and Withdrawal:

• All deposits/ withdrawals shall be in whole rupees only.
• Minimum deposit amount: - Rs. 500 (subsequent deposit not less than 10 rupees)
• Minimum withdrawal amount: - Rs. 50
• Maximum deposit:- No maximum limit
• In case the account balance is not raised to Rs. 500 at the end of the financial year Rs. 50 will be deducted as an Account Maintenance Fee and if the account balance becomes Nil the account shall stand automatically closed
  
  Tax Benefits:
• Interest earned up to ₹10,000 per annum is tax-exempt.
  
  Documents Required:
• Personal Identification: Both Aadhaar card and PAN cards (mandatory for deposits above ₹50,000).
• Address Proof: Valid government-issued documents such as Aadhaar, voter ID, or utility bills.
• Photographs: Two recent passport-sized photos.

1. Steps to Open the Account
2. Offline Process
3. Visit the Nearest Post Office: Locate your nearest post office offering savings account services. Confirm if they provide core banking and ATM facilities.
4. Collect the Application Form: Obtain the savings account application form from the post office or download it from India Post's official website.
5. Fill Out the Form: Provide details such as name, address, date of birth, nominee details, etc.
6. Submit Documents: Attach the required documents (identity proof, address proof, and photographs).
7. Nomination: Specify a nominee while filling out the form. This can also be updated later.
8. Verification: Once your application and documents are verified, the account will be activated.
9. Online Process

For post offices with core banking services:

1. Visit the India Post official website.
2. Register on the portal and complete the account-opening process by uploading documents.
3. Make the initial deposit online via net banking or NEFT.
4. Account Management

• ATM/Debit Cards: Available for accounts in core banking-enabled post offices.
• Account Transfers: Accounts can be transferred between post offices.
• Mobile Banking: Check if mobile banking is available for the post office where you hold the account.

How to open a digital savings account

Opening a post office account online is possible for certain account types, particularly savings accounts or recurring deposits. Here's a step-by-step guide to opening a post office account online:

1. Check Eligibility for Online Account Opening

• Ensure you are a registered customer of the India Post.
• For new customers, online account opening is available if the post office allows digital onboarding for savings or investment accounts.

1. Visit the India Post Website

• Go to the official India Post website: www.indiapost.gov.in.
• Alternatively, download the India Post Mobile Banking App from your app store.

1. Log in or Register

Existing customers can log in using your customer ID and password (available from your post office).

• If you don't have internet banking enabled, visit your nearest post office to activate it.

New Customers:

• Register as a new user by selecting the "Register for Internet Banking" option.
• Provide your account or customer details for verification.

1. Select the Desired Account Type

• Navigate to the "New Account Opening" or "Investment" section on the website or app.
• Choose the type of account you wish to open:
  • Savings Account
  • Recurring Deposit (RD)
  • Fixed Deposit (TD)
  • PPF, NSC, or others (for investment accounts).

1. Fill out the Application Form Online

• Provide the necessary details, such as:
  • Personal information (name, address, and contact details)
  • Nominee details
  • Account preferences (e.g., frequency of RD deposits or tenure of TD).

1. Upload Required Documents

• Scan and upload soft copies of:
  • Identity proof (e.g., Aadhaar and PAN card)
  • Address Proof
  • Passport-sized photograph.
• Ensure the file format and size adhere to the portal's requirements.

1. Make your First Deposit

• Use the online payment gateway to make the initial deposit.
• Payment options include:
  • Net banking
  • Debit card
  • UPI or other digital wallets.

1. Complete eKYC Verification

• Complete electronic KYC (eKYC) through Aadhaar-based OTP verification or biometric authentication if applicable.
• Verify your mobile number linked with Aadhaar to finalise the process.

1. Receive Confirmation

After successful verification, you will receive:

• An account number and customer ID via SMS or email.
• A digital passbook for savings accounts or certificates for investment schemes.

1. Activate and Use Your Account

• For savings accounts, start transacting through:
  • India Post Internet Banking
  • Mobile Banking App
  • Post office ATMs (if applicable).
• For investment accounts, deposit money as per the chosen scheme.

(Compiled by Sandwana PK)

In this article, we are going to deal with the steps to follow while registering for a digilocker account

What is DigiLocker?

DigiLocker is an initiative by the Government of India under the Digital India program. It is a cloud-based platform that provides every citizen with a digital space to store important documents and certificates securely. With DigiLocker, you can eliminate the need to carry physical copies of your documents, as they are accessible anytime, anywhere.

Steps to register in DigiLocker

1. Access the DigiLocker Platform: You can register for DigiLocker either through the website or the mobile app

Website: Visit the DigiLocker official website.

Mobile App: Download the DigiLocker app from the Google Play Store (for Android) or the Apple App Store (for iOS).

2. Initiate registration: On the homepage or app's welcome screen, look for the Sign Up or Create Account button and click on it. You will be prompted to enter your mobile number.

3. Verify mobile number with OTP: After entering your mobile number, click on Continue. An OTP (one-time password) will be sent to your number. Enter the OTP in the provided field to verify your mobile number.

4. Set a username and password: Create a unique username that you will use to log in. Set a strong password. It should ideally include a mix of uppercase and lowercase letters, numbers, and special characters to ensure security.

5. Link your Aadhaar (Recommended): After registering, you'll have the option to link your DigiLocker account with your Aadhaar number.Enter your Aadhaar number and verify it through one of the following methods:

OTP: An OTP will be sent to the mobile number linked with your Aadhaar.

Biometric verification: If you're using a biometric device, you can authenticate using your fingerprint or iris.

Note: Linking your Aadhaar enables direct access to documents issued by various government agencies, such as driving licenses, voter IDs, and educational certificates.

6. Complete your profile: Fill in additional details such as your name, date of birth, and email address.

This information helps in personalising your account and verifying your identity when accessing services.

7. Explore the features: Once your account is set up, you can start using DigiLocker.

Key features include:

• Upload Documents: Store scanned copies of your certificates, IDs, and other important files.
• Access Issued Documents: Fetch documents directly from partner issuers, such as CBSE, the Income Tax Department, and the RTO.
• Share Documents: Share your digital documents securely with agencies or institutions when needed.

Why DigiLocker?

• Fetch important documents anytime, anywhere!
• Authentic Documents, Legally at Par with Originals.
• Digital Document Exchange with the consent of the citizen.
• Faster service delivery: government benefits, employment, financial inclusion, education, and health

- Compiled by Sandwana PK