21 Key Points of Union Budget 2019

1. No tax on individuals having income upto Rs.5 lac.

2. Standard deduction for salaried employees raised from Rs. 40,000 to Rs. 50,000.

3. Threshold limit for TDS on rent increased from Rs.180000 to Rs.240000.

4. No tax-ability on deemed basis under the head "house property" even if an assesse has two self-occupied houses.

5. Threshold limit for TDS on interest income increased from Rs.10000 to Rs.40000.

6. Section 54 benefit will be available in respect of 2 houses.

7. Direct tax collection has increased from 6.38 lac crore to 12 lac crores.

8. 99.54% income-tax returns accepted as having been filed without any scrutiny.

9. Farmers owning land up to 2 hectares to get Rs.6000 per annum under PM Kissan Yojna and 75000 crore per year to be spent on PM Kisan Yojna.

10. 60,000 crores are being allocated for MGNREGA in Budget Expenditure 2019-20. Additional amount would be provided if required.

11. Persons working in unorganized sector and having income upto Rs.15000 per month will get pension of Rs.3,000 per month under Pradhan Mantri Shram Yogi Maandhan Yojana.

12. GST registered SME will get 2% rebate on interest on loan upto 1 Cr.

13. Farmers severely affected by natural calamities will get 2% interest subvention and additional 3% interest subvention on timely repayment of loan.

14. Anti-black money measures have brought Rs.1.30 lac crore under tax net.

15. More than 7,000 beneficiaries of PM Mudra Yojana are women. 15.56 crore loans of 7.23 lakh crore disbursed under MUDRA Yojana.

16. A sum of Rs 2.6 lakh crore has been directed towards recapitalization of Public Sector Banks (PSBs).

17. Over Rs 35,000 crore has been allocated under the ‘One Rank One Pension’ scheme for Defence personnel.

18. Under National Disaster Relief Fund (NDRF), farmers affected by natural calamities will get 2% interest subvention. A prompt repayment incentive of 3% will be given for the entire loan reschedule period.

19. Allocation for Rashtriya Gokul Mission increased to Rs 750 crore. Rashtriya Kamdhenu Aayog has been established to genetically upgrade cow resources.

20.  Benefits under Section 80-IBA to be extended for one more year – to the housing projects approved till 31 March 2020.

21. A scheme of ‘Business loans up to Rs. 1 crore in 59 minutes’ will be implemented.

#ApurvGourav 

Break Through - Baby Shark Story

The baby shark fish is wild, swims fast and attacks the shores. One person decided to check whether the baby shark can be controlled. He put a strong glass wall and tied up some meat on the opposite side of the shark. Seeing the meat, the shark swims fast to reach the meat. But it dashes with the glass wall and does not reach the meat. 

It again goes back, makes same effort but in vain. The next day more effort but again in vain. 

This continues for around 21 days and the baby shark does not know what to do.On the 22nd day, the person removes the glass wall and observes the baby shark fish. The baby shark fish comes till the point where glass wall was built and returns back. Now there is no glass wall but baby shark fish does not realize !!!

Don't act like a Baby Shark. Size up and break through the confining glass walls in your mind.

Many of us, after experiencing setbacks and failures, emotionally give up and stop trying. Like the shark in the story, we believe that because we were unsuccessful in the past, we will always be unsuccessful. In other words, we continue to see a barrier in our heads, even when no ‘real’ barrier exists between where we are and where we want to go.

#ApurvGourav #Life #Lesson #Motivation

Ayushman Bharat Yojana / Pradhan Mantri Jan Arogya Abhiyaan (PMJAY)

Pradhan Mantri Jan Arogya Abhiyaan (PMJAY) – Ayushman Bharat Yojana Scheme is a project initiated by the Central Government in India to transform the healthcare industry. The Ayushman program has been designed to address the current deficiencies in the public sector healthcare industry, infrastructure, including lack of funds and resources. National Health Protection scheme is also called as Ayushman Bharat Yojana. The central Government will decide to cover 100 million poor BPL families under this Ayushman Bharat Yojana.

The fundamental objective is to strengthen the secondary, primary and tertiary health care system in India and it also focuses on offering financial protection during an emergency situation for all needy families.

Benefits of Ayushman Bharat Yojana :

• The people who registered under this scheme can offer with complete cashless treatment as coverage money
• Indian Government also started and investing the premium for each beneficiary family registered under this scheme will able to take Rs 5 lakh on yearly basis for medical treatment
• The selection of beneficiaries done on basis of SECC ( Socio-Economic Caste Census ) data
• There will be no restrictions on the size of the covered beneficiary family
• The total cost of treatment would define by the Government in advance as packages to control cost
• One of the core principles of Ayushman Bharat - National Health Protection Mission is to co-operative federalism and flexibility to states.

Under this scheme along with the two flagship programs, 24 medical colleges and hospitals Government will establish across the nation. And each state has the at least one Government medical college.

Treatment Packages Rates under Ayushman Bharat Yojna:

This Ayushman Bharat Yojana provides the medical treatments along with rates by central government under National Health Protection Mission as mentioned below. The Medical Treatment also Rate under NHPM is

• Bypass Surgery: Rs 1.10 lakh
• Replacement of Valve: Rs 1.20 lakh
• Arthroscopy Surgery: Rs 20,000
• Cervical Surgery: Rs 20,000
• Knee Surgery: Rs 25,000
• Heart Stent: Rs 40,000
• Hysterectomy Surgery for Removal of Uterus: Rs 50,000
• Hip Replacement: Rs 90,000
• Knee Implant: Rs 90,000

#PMJAY #AyushmanBharat #ApurvGourav

Bharat Interface For Money (BHIM)

What is BHIM app?

 With the BHIM app, anyone can send or request money through the app to make a digital payment. The app is linked to your bank account, so you don’t have to load money in it unlike a wallet, and a merchant does not have to worry about transferring the money back to their bank account.

How to download BHIMP app?

Download the BHIM app by the National Payments Corporation of India (NPCI) on Google Play to start using the free Android app.BHIM app is presently now available on Android and will come to iPhone ‘soon’.

How do I use BHIM app?

After you download the BHIM app, you’ll have to register your bank account through the app, and set a UPI PIN. Your mobile number is your payment address, and you can start transacting. Through the app, you can send or receive money to a phone number, check balance, or scan a QR code to make a payment without sharing a phone number.

Using the BHIM app, money can also be sent to non-UPI banks through IFSC, like you do with normal net banking.

Does the BHIM app work on feature phones?

Apart from the Android app, the interface behind the BHIM app can be accessed using USSD (Unstructured Supplementary Service Data) from feature phones – you will need to dial *99# to access it. With this method, an Internet connection will not be required to use the core functionality behind the BHIM app.
What banks support the BHIM app?

All the major banks are supported by the BHIM app – as long as the bank supports UPI, you will be able to access your money through the BHIM app.

The list of banks supported by the BHIM app is as follows:

Allahabad Bank	ICICI Bank
Andhra Bank	IDBI Bank
Axis Bank	IDFC Bank
Bank of Baroda	Indian Bank
Bank of India	Indian Overseas Bank
Bank of Maharashtra	IndusInd Bank
Canara Bank	Karnataka Bank
Catholic Syrian Bank	Karur Vysya Bank
Central Bank of India	Kotak Mahindra Bank
DCB Bank	Oriental Bank of Commerce
Dena Bank	Punjab National Bank
Federal Bank	RBL Bank
HDFC Bank	South Indian Bank
Standard Chartered Bank	State Bank of India
Syndicate Bank	Union Bank of India
United Bank of India	Vijaya Bank

What are the BHIM app transaction limits?

There is a maximum of Rs. 10,000 per transaction permitted, and Rs. 20,000 within 24 hours.

#BHIM #ApurvGourav

Pune Bus Day 2012

I Support Pune Bus Day..What Bout You!!!

True Love

True love makes the thought of death frequent, easy, without terrors; it merely becomes the standard of comparison, the price one would pay for many things. ~Stendhal

My Success Mantra

Hard work is a key to success,If You want to get successful in your life you need to do hard work.Because without hard work no one can get success in his/her life.

Safety First

The number of unmanned level crossing accidents occurring on Indian Railways is a cause of concern. At present, there are total 31846 numbers of level crossings over Indian Railways out of which 13530 are unmanned where the accidents occur primarily due to inadequate precautions by the road users failing to observe mandatory sign boards, signals and basic traffic safety rules.

 Over the last five years, the train accidents at unmanned level crossings remained at low level.

There is a need to educate people at Village Panchayats, schools, weekly markets in rural areas and also carry out ambush checks at unmanned level crossings. To enhance the safety and reduce inconvenience to road users, busy level crossings are being replaced by Road Over Bridges (ROB)/ Road Under Bridges (RUB) and Limited Height Sub Ways (LHS) gradually.

Accidents in 2007: 77      Fatalities in 2007: 275
Accidents in 2008: 69      Fatalities in 2008: 147
Accidents in 2009: 70      Fatalities in 2009: 177
Accidents in 2010: 53      Fatalities in 2010: 131 

Lets Pledge to Cross Level Crossing Safely
 

At Unmanned Level Crossing:

STOP short of the Level Crossing

LOOK for any approaching Train
LISTEN for Train whistle
CROSS safely

At Manned Level Crossing

WAIT for the Passage of Train if the gate is closed

DONOT open the gate forcibly

CROSS safely if the gate is open

Mahableshwar Trip in the Month Of May

A Sad Story Of Rupee

 

Historical Data

Year	Exchange Rate (Rupees / US$)
1952	5
1970	7.576
1975	8.409
1980	7.887
1985	12.369
1990	17.504
1995	32.427
2000	45
2006	48.336
2007 (Oct)	38.48
2008 (June)	42.51
2008 (Oct)	48.88
2009 (Oct)	46.37
2010 (Jan 22)	46.21
2011 (April)	44.17
2011 (Sept 21)	48.24
2011 (Nov 17)	50.97
2011 (Nov 24)	52.11
2011 (Dec 15)	53.65
2011 (Dec 14)	53.7147
2012 (May,18)	54.93 (All Time High)