Bankers have only THREE options in COVID period please choose your option

Bankers have only THREE options, test yourself; 1. If Positive, stay at home; 2. If Negative, work until you get positive; 3. Negative after being Positive, join branch & work until get Positive AGAIN coz there is no VACCINATION for Bankers yet

Because the price have come down in India in every corner Banker DA decreases by 8 salb i.e 0.56% of Basic and Spl pay

Because the price have come down in India in every corner. Mustard oil, Petrol, Onion , Gold, Rice, and other commodities  are more cheaper than last quarter  only for this DA for banker are less by 8 slab i.e 0.56% of  Basic+ Spl pay. Enjoy the banking

Today i.e. on 30.04.21 CPI for the month of Mar'21 announced with an increase of 0.60 points from Feb'21 as per base year 2016. Earlier Govt vide their notification dated 22.10.20   has changed the Consumer Price base year from 2001=100 to 2016=100 for Industrial Workers.

On the basis of CPI data announced by the Govt for the months of Jan'21 to Mar'21 with an increase of 0.60 points from Feb'21 as per base year 2016. On the basis of CPI announced by the Govt for the months Jan'21 to Mar'21 (as tabled below). There will be decrease of 7 slabs i.e. the total DA slabs would become payable from May'21 will be 845 slabs on pre revised pay and 367 slabs on revised pay for the period of May'21 to Jul'21

This website do not claim its calculation of DA slabs would may become payable as full and final as IBA circular of DA release is awaited and this calculator shall be updated accordingly.

The pensioners are pinning their hopes on the Finance Minister’s assurances made late last year--But now hopeless

The pensioners are pinning their hopes on the Finance Minister’s assurances made late last year

Some six months back, bank pensioners were pleasantly surprised when Finance Minister Nirmala Sitaraman had expressed her concern about their well being. The Finance Minister, in an interview to a newspaper and later in a talk on November 10, 2020, expressed her concern on unresolved issues of bank retirees.

She said: “I want bank employees to be given their due. A lot of pensioners are waiting for very long time. Yesterday, I had meeting with Rajkiran Rai of IBA. I spoke to him, too. We need bank employees to be attended to, particularly their families and the pension of retired employees”

But there has been no progress in resolving the issues which have been pending for three decades. Retired bank employees’ pension has not been revised since the inception of the scheme unlike government pensioners whose pension is revised with every pay revision.

An updation of the pension scheme is necessary because a bank staff who retired in 1990s gets a fraction of the pension that a recently retired employee draws. This is because the pension is linked to the last drawn basic salary which was capped at ₹10,000 in the 1990s.

Similar to RBI Pension

Originally, banks had two retiral benefits schemes — Contributory Provident Fund and Gratuity. Employees were demanding pension as a third retiral benefit.

In the Reserve Bank of India, the pension scheme was introduced from November 1, 1990. On October 29, 1993, an industry level settlement was arrived at between the Indian Banks Association and bank employee unions and this paved the way for the introduction of pension scheme in lieu of the Contributory Provident Fund, as in the RBI. A similar joint note was signed with the federation representing officers also.

Para 12 of the settlement provided for the formation of a committee consisting of representatives of the IBA and the unions to work out the details on similar lines as the RBI pension regulation and the Central Civil Services Pension Rules, applicable to Central Government employees.

The committee recorded the following as part of the minutes of the meeting held on March 26, 1994: “Formula for updating pension should be on the lines of the same given in the Reserve Bank pension scheme. Any change therein should be introduced only after mutual agreement.”

However the pension regulation subsequently adopted by banks are without provision of periodical revision and this has made life difficult for pensioners. Pensioners who retired at very senior levels in banks 25 years back, are drawing far less pension than a clerk retiring today on account of non-revision of pension.

The amount is so meagre that even to get coverage under the group medical insurance arranged by the bank, they have to shell out more than two months’ pension.

Working employees unions’ demand for pension revision for retirees at every wage negotiation round has so far fallen on deaf ears. It is an irony that retirees are not part of the wage negotiations and, hence, the IBA does not discuss their issues.

Government retirees are paid pension out of the tax collected every year.

No pension fund has been created for them. However, banks have a created pension fund out of the Contributory Provident Fund surrendered by the employees and also with contributions by banks for the serving employees based on an agreed percentage. Banks are supposed to maintain the pension fund based on an actuary report.

The IBA always pleads that banks do not have enough balance in the pension fund for a pension revision though it has not revealed the working of funds required for any pension revision. One of the reasons for the insufficient balance in the pension fund is the fact that when more than one lakh employees left banks under the special Voluntary Retirement Scheme in 2001, the banks had started debiting pension fund to pay them pension. Actually, the pension until the superannuation age should have been provided as part of the VRS package from banks’ revenues.

The government has sanctioned a revision of pension for the RBI and Nabard pensioners. When the original agreement signed by the bank management provided for pension revision as applicable for RBI employees, the bank retirees are also justified in demanding the same. However, nothing has been conceded so far.

When periodical pension revision is provided for government retirees out of tax-payers’ money and when RBI and Nabard retirees’ pensions were recently revised, bank retirees expect some dignified pension updation. They hope the Finance Minister will walk the talk.

GET IFSC CODE AND MICR CODE OF ALL BANKS. GET DIRECTLY FROM RBI. RBI GUIDE COMPLETE .

 Want to get IFSC code and MICR code of every bank very easily ? Get the branch , of your bank at your finger tips , and get IFSC codes.

FOR IFSC CODE

https://m.rbi.org.in/Scripts/IFSCMICRDetails.aspx

MICE CODE

https://m.rbi.org.in/Scripts/IFSCMICRDetails.aspx

Bank employees want that some of the annual rituals to be delayed given the situation

Bankers, particularly those in the public sector, are facing the brunt of the second wave of the pandemic. Most bank job are customerfacing and classified as essential services. But the bankers have been denied facilities for frontline workers like vaccination and access to public transport.

At the same time, they are under pressure to complete the annual exercises relating to audits, annual accounts, and transfers.

In Mumbai, where most of the banks are headquartered, the railway authorities have said that employees of central government public sector undertakings can travel by train. But bankers complain that authorities are restricting them from boarding local trains.

Private bank employees, on the other hand, are not allowed to travel at all. “Most of the junior executives are not able to afford the city rentals and travel from distant suburbs. It is punishing for them to travel 30-40kms by road,” said a senior official at a private bank.

In February, the Indian Banks Association (IBA) had written to the government, seeking priority vaccination for bank employees. The letter had pointed out that 600 bank employees had died due to the pandemic and that mortality rates of bankers on account of Covid was four times higher than the general population. Another reason why public sectoR banks are badly hit is the low-level of adoption of digital by their customers.

 

IS CORRUPTION WILL BE VANISHED AND CUSTOMER SERVICE WILL BE JUMPED IN THE PICK AFTER PRIVITASATION

One thing I wanted to ask to the advocates of privatisation is that the corruption that is spreading in the epidemic is being black marketed, are they doing government employees? What about private hospitals, labo? And if he is privatized then these government servants will have to work,, those who say tell who is working in this situation,,? Ambani Tata is even more private person who has provided help,, we are bad to them Don't say,, but these Navratna government companies are working in supplying oxygen or government railways which are operating in the name of Oxygen Express, or government hospitals which are serving the common man at a low cost or government banks who are hoping that the government is sitting in the name of oxygen. Again 500 or 2000 should be sent to you through them,, If it was not there at this time, what would have happened to the country,,, You may not even be able to guess,,! Recognize the resources of the country,,, Stop the privatization.

Who can submit form 15G and 15H? What is Form 15G and Form 15H?

 

1. What is Form 15G and Form 15H?

Form 15G and Form 15H are self declaration forms that an individual submits to the bank requesting not to deduct TDS on interest income as their income is below the basic exemption limit. For this, providing PAN is compulsory. Some banks allow you to submit these forms online through the bank’s website.

2. Who can submit form 15G and 15H?

Form 15H is specifically for senior citizens, those who are 60 years or older, while Form 15G is for everybody else.

15G	FORM 15H
Resident Individual or HUF or trust or any other assessee but not a company or a firm with age less than 60 years	Resident Individual with an age 60 years or more i.e Senior citizen.
Tax calculated on your total income is Nil	Tax calculated on your Total Income is Nil
The total interest income subject for the year is less than the basic exemption limit of that year, which is Rs.2.5 lakh for financial year 2020-21 (AY 2021-22)
Please note that benefits of Form 15G and 15H cannot be claimed by Non residents.

Example to understand who can submit Form 15G and form 15H

Age	50 years	21 years	65 years	68 years
Salary	Rs. 1,80,000	–	–	–
Pension	–	–	Rs. 1,00,000	–
FD interest income	Rs. 85,000	Rs. 2,60,000	Rs. 1,80,000	Rs. 3,30,000
Total Income before allowing section 80 Deductions	Rs. 2,65,000	Rs. 2,60,000	Rs. 2,80,000	Rs. 3,30,000
Deductions under section 80	Rs. 45,000	Rs. 30,000	Rs. 10,000	Rs. 55,000
Taxable income	Rs. 2,20,000	Rs. 2,30,000	Rs. 2,70,000	Rs. 2,75,000
Minimum exempt income	Rs. 2,50,000	Rs. 2,50,000	Rs. 3,00,000	Rs. 3,00,000
Eligible to submit Form 15G	Yes	No	No	No
Eligible to submit Form 15H	No	No	Yes	Yes
Age less than 60 year	Yes	Yes	No	No
Age more than 60 year	No	No	Yes	Yes
Tax on total income is Nil	Yes	Yes	Yes	Yes
Interest income is less than basic exemption limit	Yes	No	N.A.	N.A.
Form to be submitted	Form 15G	Cannot Submit	Form 15H	Form 15H

 

In above example-

• Deepak cannot submit Form 15G even though Tax on total income is Nil, because his interest income is more than the basic exemption limit.
• Rahul, who is a senior citizen can submit form 15H as his tax liability is Nil.
• Condition of interest income being more than basic exemption limit is applicable for form 15G only and not for form 15H.

3. When should you submit Form 15G and Form 15H?

Form 15G and Form 15H are valid for one financial year. So, please submit these forms every year at the beginning of the financial year. This will ensure that the bank does not deduct any TDS on your interest income. For FY 2020-21, in view of the spread of the disease COVID-19, taxpayers may not be able to submit the forms in the first week of April 2020. Hence, the government had extended the validity of the Form 15G and Form 15H up to 30th June 2020 from 31st March 2020. Taxpayers can submit the Form 15G and Form 15H in the first week of July 2020. For the period beginning 1st April 2020 and up to 30th June 2020, the Form 15G and 15H submitted for FY 2019-20 will be considered as a valid proof for non-deduction of TDS.

4. Forgot to submit Form 15G or Form 15H?

A lot of taxpayers forget to submit Form 15G and Form 15H on time. In such a situation, the bank might have already deducted the TDS. Based on your situation, you can do any of the following.

a. File your income tax return to claim refund of TDS

The only way to seek refund of excess TDS deducted is by filing your income tax return. Banks or other deductors cannot refund TDS to you, since they have already deposited it to the income tax department. Income tax department will refund excess TDS, after you file an income tax return.

b. Submit Form 15G and Form 15H immediately

Most banks deduct TDS every quarter. If you forget to submit Form 15G or Form 15H, don’t worry. Submit it at the earliest so that no TDS is deducted for the remaining financial year. To claim refund of excess TDS deducted, start filing your return on ClearTax  

5. Where can you submit Form 15G or Form 15H apart from banks?

While these forms can be submitted to banks to make sure TDS is not deducted on interest, there are a few other places too where you can submit them.

 

• • TDS on EPF withdrawal –TDS is deducted on EPF balance if withdrawn before 5 years of continuous service. If you have had less than 5 years of service and plan to withdraw your EPF balance of more than Rs.50,000 (Rs 50,000 effective 1 June 2016, Rs.30,000 prior to that), you can submit Form 15G or Form15H. However, you must fulfil conditions (listed above) to apply for these forms. It means the tax on your total income including EPF balance withdrawn should be nil.

• • TDS on income from corporate bonds –If you hold corporate bonds, TDS is deducted on them if your income from them exceeds Rs 5,000. You can submit Form 15G or Form 15H to the issuer requesting non-deduction of TDS.

• • LIC premium receipts –With effect from October 2014, if the amount received from a policy exceeds Rs 1 lakh and it is taxable, 2% TDS shall be deducted by the insurer before paying. From 1st September 2019, TDS is 5% on the amount of income comprising the proceeds paid or payable upon maturity. You can submit Form 15G/Form 15H to request that no TDS be deducted since tax on your total income is nil.

• • TDS on post office deposits –Post offices that are digitised also deduct TDS and accept Form 15G or Form 15H, if you meet the conditions applicable for submitting them.

• • TDS on rent – TDS is deducted on rent exceeding Rs 2.4 lakh annually. If tax on your total income is nil, you can submit Form 15G or Form 15H to request the tenant to not deduct TDS (applicable from 1 April 2019).

• • TDS on Insurance Commission – TDS is deducted on insurance commission, if it exceeds Rs 15000 per financial year. However, insurance agents can submit Form 15G/Form 15H for non deduction of TDS if tax on their total income is nil (with effect from 1 June 2017).

6. Important Information for Deductors

If you are a TDS deductor, the Income-tax Act requires you to allot a Unique Identification Number or UIN to everyone who submits the Form 15G/Form 15H. You must file a statement of Form 15G/Form 15H on a quarterly basis and must retain these forms for 7 years.

7. How to fill Form 15G?

1. 1. Name of Assesse (Declarant) – Enter your name as per income tax records & PAN number as per your PAN card,
   2. Status – Input Whether you are an individual or HUF
   3. Previous Year –Input current financial year for which you are filing up the form
   4. Residential Status – this form can only be filled by Residents. Check your residential status here
   5. Fill Address details along with PIN code, email and telephone number.
   6. whether assessed to tax under the income tax act, 1961? – If your income was above taxable limit in any of the past 6 years, answer this question with ‘yes”.
   7. If yes, the latest assessment year for which assessed – mention the latest year in which your income was above the taxable limit.
   8. Estimated income for which declaration is made – fill sum of interest or other income on which TDS should not be deducted.
   9. Estimated total income of the previous year in which income mentioned in column 16 to be included – Calculate your total income from all sources, salary, stipend, interest income, any other income that you have earned during the year. Include the income mentioned in 16, above
   10. Details of Form 15G other than this form filed during the previous year, if any;- please mention the total number of Form 15G filed for that particular year.
   11. Also fill aggregate amount of income for which form 15G filed – Also provide the total income for which Form 15G was filed
   12. Fill Details of income for which declaration is filed; Identification number of relevant investment/account etc, Nature of Income, Section under which tax is deductible, Amount of income – Provide fixed deposit account number, recurring deposit details, details of NSCs, life insurance policy number etc. (many of these are chargeable to tax under section 56 of the income tax act)
   13. Signatures – mention your capacity when signing on behalf of an HUF or AOP

Do not submit the form if such income has to be Clubbed with the income of another person

Do not submit Form 15G, if your income has to clubbed with someone else. Interest income from an FD for a non-earning spouse or a child has to be clubbed with the income of the depositor. In such a case Form 15G is not valid. PAN of the depositor is mandatory and TDS should be deducted in the name of the depositor.

1.  

1. 1. • 
        

 

8. FAQs

• 
  
• What is Form 15G used for? Why is form 15G required?

  Form 15G is required to be submitted as a self declaration by the individuals that their income is below the taxable threshold and so no TDS should be deducted for the income credited to their account
• How to fill Form 15G for PF withdrawal?

  EPFO portal has launched online submission of form 15G while submitting EPF withdrawal claim online. However you can also fill and submit a physical copy to EPFO regional office for non-deduction of TDS. For online submission, login to EPFO UAN unified portal, Click on Online services > Online Claim, fill the requisite details and verify last 4 digits of phone number, EPF withdrawal form will be visible. In the screen you will be able to upload form 15G. You will be able to download the Form 15G from here. Fill the Part 1 of the form and convert into PDF . Upload the PDF copy of the form while making an online claim.
• Where to submit form 15g?

  Form 15g can be submitted at below mentioned places for non deduction of TDS

  • Banks
  • EPFO at the time of premature withdrawal of PF.
  • Corporate bond issuing companies
  • To Insurance companies by insurance agents
  • Post office for deposits.
• How to submit form 15H online?

  Please log on to the internet banking portal of your bank, you can download form 15H from here. Fill the details of the form and upload the same on internet banking.
• Do I need to submit Form 15G/ Form 15H at all the branches of the bank?

  Yes, you must submit one at each branch of the bank from which you receive interest income though TDS is deducted only when total interest earned from all branches exceeds Rs 10,000.
• Will my interest income become tax free if I submit Form 15G/Form 15H?

  Interest income from fixed deposits and recurring deposits is taxable. For senior citizens deduction of Rs.50,000 is available under section 80TTB for the interest income from fixed deposits/post office deposits/deposits held in co-operative society. You should submit this form only if tax on your total income is zero along with other conditions.
• I submitted Form 15G and Form 15H but I have taxable income?

  You must intimate to your bank that tax on your total income is not zero. The bank will make changes and deduct TDS accordingly. Do report the entire interest income in your tax return and pay tax on it as applicable.
• Do I have to submit form 15G/H to the income tax department?

  You don’t need to submit these forms directly to the income tax department. Just submit them to the deductor, and they will prepare and submit these forms to the income tax department.

Father of banking reforms': M Narasimham passes away at 94

The architect of modern Indian banking, former Reserve Bank of India (RBI) governor Maidavolu Narasimham died in Hyderabad on Tuesday. He was 94.

Narasimham was known for being the chair of two high-powered committees on banking and financial sector reforms. Such is the importance of the two Narasimham Committees that some of their aspects are referred to and employed to this date. For instance, the idea of bank mergers and creating strong megabanks was first mooted by the Narasimham Committee.

That is yet to fructify even as successive governments tried much to complete it. Recently, the government merged 12 banks in order to create a few large government banks, but it has not been easy and the work is far from over even though the Narasimham Committee proposed it back in 1991.

New-generation private sector banks such as ICICI, HDFC, Axis, Kotak etcetera owe their existence to the recommendations of the first Narasimham Committee. So do the asset reconstruction companies (ARCs), which are the basis of the proposed “bad bank” that yet to take shape.

No other committee had so much impact on the Indian financial sector as the Narasimham Committee.

Narasimham was an intellectual giant, and in the words of former RBI deputy governor Usha Thorat, a “brilliant mind,” a “fantastic draftsman” and a “visionary”.

“Though I never worked with him, we understood that he wrote the RRB (regional rural bank) report in 1976 in one day. He felt very strongly that rural banks should have a local feel and local touch, and they should have the professional approach of the commercial bank. This is how the RRBs came into existence,” Thorat said.

Yet, he was a “typical Southie – simple living and high thinking. Very soft-spoken and gentle, but what a sharp mind!” as a former RBI official described him.

Some of those visions, 30 years old, are the backbone of almost all reports that are written today on the banking sector. In fact, it is almost customary that all reports start by referencing the hallowed “Narasimham Committee Report” I and II.

Here’s a sample of the recommendations that have been implemented now.

The first Narasimham Committee Report, presented in 1991, recommended the creation of a four-tier banking structure with three large banks on top. It also introduced the concept of rural-focused banks such as local area banks.

It proposed a phased reduction in banks’ mandatory bond investment and cash reserve limits so that banks lend money for other productive needs of the economy. The committee introduced the concept of capital adequacy ratio and proposed the abolition of the branch licensing policy.

The concepts of non-performing assets classification and full disclosure of accounts were also recommended by the first committee. The RBI introduced the prudential norms and told banks to set aside provisions for bad debts.

By proposing to deregulate interest rates, it brought in gre­ater competition among banks.

The committee introduced the concept of an asset reconstruction fund to take over bad debts. Six special recovery tribunals were set up, with an appellate tribunal in Mumbai. The modern Insolvency and Bankruptcy Code is an improvement on this.

Importantly, working on the recommendations, the banking sector was opened up for the private sector. Banks were also asked to list in order to raise capital from the markets.

The committee also clearly told the government to separate ownership from the management. It also proposed amending key laws concerning banking, including the RBI Act.

Much of the technology upgradation and modernisation of banks is also due to this committee.

Given the fact that issues such as separation of ownership and management and bank mergers still continue to divide people within the government and outside, Narasimham Committee reports will, undoubtedly, continue to resonate for a long time to come in India’s financial landscape. As will the man who was the force behind them.

Taking cash in or out of India? Read this.

If you’ve never considered a trip to India, you should think again. From the food to the stunning religious monuments, India has plenty to see and experience. But regardless of your reasons for visiting, the reality is still that there are restrictions on how much cash you can take in or out of India. Read on to learn what you need to know about carrying cash through customs.

How much cash can you bring into India? What are the limits?

Importing Indian rupees isn't allowed for foreigners. Residents of India are allowed to carry up to Rs. 25,000 though. There’s no limit, however, to how much foreign currency you can bring into India. Although, you will have to declare it if the amount exceeds US$5,000 in notes and coins, or US$10,000 in notes, coins and traveller’s cheques. You can however user services such as Wise or Western Union to send money to India.

What are the penalties if you bring in too much cash to India?

Breaking customs rules in India can result in having your cash confiscated, being fined, or, in serious cases, even being arrested and prosecuted.

What qualifies as cash anyway?

Coins and banknotes in any world currency count as cash. Traveller’s cheques also count toward your cash total.

Countries/Regions from which a declaration isn't needed if you’re travelling to India

Travellers from all countries are required to declare cash when entering India, if the amount is US$5,000 or more in coins and notes, or US$10,000 or more in coins, notes and traveller’s cheques.

Countries from where declaration is needed if you’re travelling to India

Travellers from all countries are required to declare cash when leaving India, if the amount is US$5,000 or more in coins and notes, or US$10,000 or more in coins, notes and traveller’s cheques.

Declaring cash at your arrival

Indian Customs Declaration Forms are available from customs officers at international airports and seaports. They may be handed out on planes or cruise ships before you land in India, but if not, they can be picked up at the airport as you make your way through customs. You can also download the form here and fill it out ahead of time.

How much cash can you take out of India?

Exporting Indian rupees is strictly prohibited for non-Indian residents. Residents of India can travel abroad with up to Rs. 25,000. There’s no limit to how much of a foreign currency you can take out of India, but if it’s US$5,000 or more in banknotes and coins, or US$10,000 or more in coins, notes and traveller’s cheques, it will have to be declared. It’s also important to remember that the country you’re going to may have its own rules about how much cash you can bring in. Make sure to do your research depending on the country you’re headed to.

Exchanging currency in cash is very costly

Exchanging foreign currency in cash for Indian rupees is probably not the cheapest way to pick up cash for your trip. Using an exchange service, even if it advertises no fees, often means you’re paying more for a marked up exchange rate. The cheapest way to get cash in most countries is to use your debit card to withdraw cash in the local currency from a local ATM. You may be charged an ATM fee, but you won’t have to pay for an unfavorable exchange rate.

Keep in mind that whether you’re bringing cash to India from your home country or withdrawing it once you arrive, it’s never a good idea to carry large amounts of cash with you while you’re visiting a foreign country.

Travelling frequently? Want to save money? Give Wise a try

Wise allows you to send money internationally at the actual exchange rate, or the rate you see when you Google it. It’s fast, easy a secure.

Wise also offers borderless multi currency accounts, which allow users to send, receive and manage money in multiple global currencies all at once. Beginning in 2018, borderless account holders will have access to consumer debit cards, making accessing your money in around the world even easier.

Hopefully, with these tips in hand, your trip to India will go off without a hitch. Safe travels!

UFBU urges IBA to restrict banking hours to 3-4 hours a day.

The United Forum of Bank Unions (UFBU) has urged the Indian Banks’ Association to issue appropriate instructions to bank managements to restrict banking services to essential activities in view of the second wave of the pandemic.

In a letter to the association’s Chairman Rajkiran Rai G, UFBU underscored that the present pandemic situation has turned into a matter of grave concern.

“Bank branches, with continued footfalls and across the counter connect with customers, are potential hubs of infections.

“We are deeply distressed to constantly receive news about infections, hospitalisations and deaths of bank employees round the clock every day,” said Sanjeev K Bandlish, Convenor, UFBU.

Essential activities

UFBU, which is the umbrella body of nine trade unions in the banking sector, said banking services need to be restricted to essential activities – cash deposits and withdrawals, clearing of cheques, remittances and government transactions – till the situation is improves.

UFBU sought introduction of cluster/hub banking by identifying a few branches in each locality. This will enable working by rotation by bank employees.

The umbrella body also wants the realignment of banking hours/days to 3-4 hours a day and from Monday to Friday.

The letter said that during the entire post-lockdown period, nearly a thousand bank employees laid down their lives in the line of duty, having succumbed to the virus and nearly a lakh were infected.

“We strongly feel that any further delay in implementing the above measures as suggested to reduce exposure will be catastrophic and put millions of families of bank staff and the customers into severe risk of contamination and trigger a massive and uncontrollable outbreak of the contagion,” said Bandlish.

Meanwhile, Devidas Tuljapurkar, General Secretary, Maharashtra State Bank Employees Federation, has requested the State Level Bankers’ Committee (Maharashtra) to issue suitable guidelines to banks so that customer entry in branch premises is restricted, social distancing is ensured at work place, and five-day week is implemented during the pandemic.

In *Bihar* alternate day lockdown. In UP* Sunday /Saturday total lockdown.Kerala* Total lockdown in containment zone . *Bihar* alternate day lockdown.

In *UP* Sunday /Saturday total lockdown.

Night Curfew imposed.

In *Gujrat* experts including doctors, religious leaders, representatives from the health management and entertainment industries called for a 15-day self-imposed lockdown and appealed citizens to follow the restrictions to contain the coronavirus infection surge in Gujarat.

 *Kerala* Total lockdown in containment zone .

 *Bihar* alternate day lockdown.

In our state the election campaign is going on.PM is addressing mass gathering even.

Today when I was talking to SLBC Convener today morning he was expressing that during this situation his hands are tied and he has issued directives as per HO.

Still we will be trying ...

We are contemplating to meet State authorities after 6th phase of election because tomorrow they will not allow anyone in Nabanna for election on 22nd.

Meanwhile ,most of the big banks will be issuing their clear-cut guidelines which will have a bindings on others also.

SALARY BANK PO VS LIC AAO AS ON APRIL 2021 MINIMUM DIFFERENCE IS RS26000 SEE DETAILS

 

As a banker you should obey..COVID-19 CRUCIAL INFORMATION

*WE WILL NOT BE ABLE TO TAKE THE 2ND PHASE OF LOCKDOWN...*

*COVID-19 CRUCIAL INFORMATION*

◉ Due to the collapse of the health system, we, the health professionals, have prepared this message for the people, in case you do not want to risk going to the hospital immediately;

  __________

  ◉ Symptoms appear from the third day after infection (viral symptoms).

   ➙ 1st phase;

  ◉ Body pain

  ◉ Eye pain

  ◉ Headache

  ◉ vomiting

  ◉ Diarrhea

  Runny nose or nasal congestion

  ◉ Decomposition

  ◉ Burning eyes

  ◉ Burning when urinating

  ◉ Feeling feverish

  ◉ Scuffed throat (sore throat)

  ➙ It is very important to count the days of symptoms: 1st, 2nd, 3rd.

  ◉ Take action before the onset of fever.

  ◉ Be careful, it is very important to drink plenty of fluids, especially purified water.  Drink plenty of water to keep your throat moist and to help clear your lungs.

  __________

  ➙ 2nd phase;  (from 4th to 8th day) inflammatory.

  ◉ Loss of taste and / or smell

  ◉ Fatigue with minimal effort

  ◉ Chest pain (rib cage)

  ◉ Tightening of the chest

  ◉ Pain in the lower back (in the kidney area)

  __________

  ➙ The virus attacks nerve endings;

  ◉ The difference between fatigue and shortness of breath:

  • _Lack of air is when the person is sitting - without making any effort - and is out of breath;

  • Fatigue is when the person moves around to do something simple and feels tired.

  __________

  ➙ It takes a lot of hydration and vitamin C.

  __________

  Covid-19 binds oxygen, so the quality of the blood is poor, with less oxygen.

  __________

   ➙ 3rd phase - healing;

  ◉ On day 9, the healing phase begins, which can last until day 14 (convalescence).

  ◉ Do not delay treatment, the sooner the better!

  __________

  ➙ Good luck everyone!

  It is better to keep these recommendations, prevention is never too much!

  • Sit in the sun for 15-20 minutes

  • Rest and sleep for at least 7-8 hours.

  • Drink 1 and a half liters of water per day

  • All food should be hot (not cold).

  ➙ Keep in mind that the pH of the coronavirus ranges from 5.5 to 8.5.

  So all we have to do to eliminate the virus is to eat more alkaline foods, above the acid level of the virus.

  As;

  ◉ Bananas, Lime → 9.9 pH

  ◉ Yellow lemon → 8.2 pH

  ◉ Avocado - pH 15.6

  ◉ Garlic - pH 13.2

  ◉ Mango - pH 8.7

  ◉ Mandarin - pH 8.5

  ◉ Pineapple - 12.7 pH

  ◉ Watercress - 22.7 pH

  ◉ Oranges - 9.2 pH

  __________

  ➙ How do you know you have Covid-19 ?!

  ◉ itchy throat

  ◉ Dry throat

  ◉ Dry cough

  ◉ High temperature

  ◉ Difficulty breathing

  ◉ Loss of smell and taste

  __________

  DO NOT keep this information just for yourself, give it to all your family and friends.

W E   C A R E

As received

*Important Message for all* 

The hot water you drink is good for your throat. But this corona virus is hidden behind the paranasal sinus of your nose for 3 to 4 days. The hot water we drink does not reach there. After 4 to 5 days this virus that was hidden behind the paranasal sinus reaches your lungs. Then you have trouble breathing.

That's why it is very important to take steam, which reaches the back of your paranasal sinus. You have to kill this virus in the nose with steam.

At 50°C, this virus becomes disabled i.e. paralyzed. At 60°C this virus becomes so weak that any human immunity system can fight against it. At 70°C this virus dies completely.

This is what steam does. 

One who stays at home should take steam once a day. If you go to the market to buy vegetables, take it twice a day. Anyone who meets some people or goes to office should take steam 3 times a day.

Forward this to all your loved ones.

🙏                                   

 *Steam week* 

According to doctors, Covid -19 can be killed by inhaling steam from the nose and mouth, eliminating the Coronavirus.  *If all the people started a steam drive campaign for a week,* *the pandemic will soon end*. So here is a suggestion: 

* Start the process for a week morning and evening, for just 5 minutes each time, to inhale steam.  If all adopt this practice for a week  the deadly Covid-19 will be erased.

This practice has no side effects either.

 So please send this message to all your relatives, friends and neighbours, so that we all can kill this corona virus together and live and walk freely in this beautiful world.

          *Thank you*

You are welcome to send this to your known groups / friends.