How to File Refund Claim Application:PACL

 How to File Refund Claim Application:PACL 2019

Market regulator Securities and Exchange Board of India (SEBI) had said the Justice RM Lodha Committee has decided to allow investors to file claims for PACL Ltd. The claim application for refund from PACL can be filed till 30 April 2019.

SEBI has created a separate website for accepting the claim forms from all investors of PACL who are seeking refund of their investment. To file the claim, the investor need to visit http://sebipaclrefund.co.in/ and submit her application. For submitting the claim, the investor needs to upload copy of her PAN card, latest passport size photo, copy of cancelled cheque, copy of PACL certificate and receipts, if any.

For investors who have changed their names or nominees of the investor, who is no more or incapacitated, SEBI says it will announce later a separate window for submission of claim applications. Such investors need to regularly check SEBI website or the PACL page on SEBI website https://www.sebi.gov.in/PACL.html.  

 

Here are 17 frequently asked questions (FAQs) on submitting claim for refund from PACL. These FAQs are provided by SEBI.

 

1. Which web browser is to be used for this website?

The website http://sebipaclrefund.co.in/ works best with the latest version of Google Chrome browser.

 

2. What is the process for registration of my claim?

For registration, you need to enter your PACL registration number twice, mobile number and captcha code. On entering the details, an OTP would be sent to the mobile number entered during registration. Once the OTP is successfully entered and if the details submitted are in order, your registration would be successful. Upon successful registration, you may start the process of submitting your claim application.

 

3. How do I login to my claim application?

On successful registration, you would be guided to a password creation screen. You can create a password of your choice. The password should be between 8-16 characters and contain at least one upper case letter (a-z), one numeral (0-9) and one special character. On successful creation of password, subsequent logins would need to be done using your PACL registration number and password. 

 

4. What information do I need to submit in the claim application form?

You need to submit your name as per PACL certificate, the claim amount (in Rs.), name as per PAN, PAN number, your bank account number, bank name and IFSC code of the bank branch.

 

5. What are the documents that I need to upload?

You need to upload copy of your PAN, latest passport size photograph, copy of cancelled cheque with your name printed or banker’s certificate per the prescribed format available at sebipaclrefund.co.in on the letter head of the bank, copy of PACL certificate, and receipts, if any.

 

6. Can I exit even though I have partially filled up the claim application form?

Yes, you can exit the applicant by clicking on the logout button. The information entered by you would be saved when you click on ‘Save and Next’ option. You can come later and log in to finish your claim application. 

 

7. What is the format of the documents to be uploaded?

The documents can be uploaded in pdf, jpg or jpeg (photo) formats.

 

8. What should be the specifications of the documents being uploaded?

The documents uploaded should be on black and white scale, 200dpi and vertically aligned.

 

9. How do I know if my application is successfully submitted?

After completion of all the required formalities, you may click on the ‘Final Submit’ button, upon which a preview screen will appear for confirmation of the information entered by you on the web platform. Upon your confirmation of the information entered, the application would be successfully submitted and an acknowledgement receipt number (ARN) would be generated. 

 

This number along with the PACL registration number should be used for all future communication.

 

10. Can I delete or edit the information I have saved?

You can edit or delete the information multiple times till you submit your application by clicking on the ‘Final Submit’ button. However, once you have clicked on the ‘Final Submit’ button no further changes would be allowed.

 

11. What if I forgot my password?

Click on ‘Forgot Password’ option on this website. Enter the PACL registration number and click on generate OTP option. Enter the OTP received on your mobile number and click on submit OTP. Once the correct OTP has been submitted, you would be taken to the ‘Enter password’ screen where you can create a new password.

 

12. What if I do not have a PAN card?

You would need to obtain a PAN card and then submit the application?

 

13. How do I obtain a PAN card?

To obtain information on how to obtain a PAN card, click on the this link https://www.incometaxindia.gov.in/Pages/tax-services/apply-for-pan.aspx

 

14. What if I do not have a bank account where I am the first holder?

You can submit the bank account details where you are a joint holder. The cancelled cheque copy with your name printed or banker’s certificates per the prescribed format available at sebipaclrefund.co.in on the letter head of the bank also needs to be uploaded along with the claim application.

 

15. What if the PACL certificate holder has passed away? Can any nominee make the claim on behalf of such deceased investor?

In such a case, the claim application can be submitted by the nominee whose name appears on the PACL certificate. However, date for the submission of claim applications through nominees shall be notified in due course. 

 

16. What if my name has changed due to marriage?

The date for the submission of claim applications in your new name together with supporting documents shall be notified in due course. 

 

17. In case of queries or complaints, where can I contact?

In case of queries or complaints, please call the helpline number 022-61216966.

EPFO hikes Interest Rate for FY2019 : 8.65 %

EPF Interest Rate Hikes For 2019 : 8.65%

EPFO Hike Intrest Rate PF 8.65 % For 2019

New Delhi: The Central Board of Trustees of the Employees’ Provident Fund Organisation (EPFO) Thursday recommended hiking the interest rate for its 6-crore active subscribers to 8.65 per cent for the current financial year of 2018-19 from a five-year low of 8.55 per cent in the previous financial year.

HIGHLIGHTS

The rate of interest stood at 8.55 per cent for the Year 17-18

Employees' Provident Fund Organisation has over six crore subscribers.

The increase in interest rate will yield an interest rate higher than most small savings instruments, which are linked to yield on government securities. Among the small savings schemes, barring the Sukanya Samriddhi accounts for the girl child and 5-year savings scheme for senior citizens, most small savings rates are below 8 per cent... 

Samsung Galaxy S10 X 5G - Price, Full Specifications,Features

     Samsung Galaxy S10 X 5G - Price, Full Specifications,Features

Samsung Galaxy S10 5G

The Samsung Galaxy S10 X 5G mobile features a 6.7" (17.02 cm) display with a screen resolution of 1440 x 3040 pixels and runs on Android v9.0 (Pie) operating system. The device is powered by Octa core (2.73 GHz, Dual core, M4 Mongoose + 2.31 GHz, Dual core, Cortex A75 + , Cortex A55) processor paired with 8 GB of RAM. As far as the battery is concerned it has 4500 mAh. Over that, as far as the rear camera is concerned this mobile has a 12MP + 12MP + 16MP camera . Other sensors include Light sensor, Proximity sensor, Accelerometer, Barometer, Compass, Gyroscope. So, does it have a fingerprint sensor? Yes, it does. For graphical performance that can make games run smoothly, this phone has got a Mali-G76 MP12 GPU. On board storage is at 256 GB with the option to expand the memory by No. Design is one of the most important factors when it comes to mobiles. This phone is 7.9 mm slim and weighs 198 grams.

Samsung Galaxy S10 5G full specifications

GENERAL

Release date	February 2019
Form factor	Touchscreen
Dimensions (mm)	162.60 x 77.10 x 7.94
Weight (g)	198.00
IP rating	IP68
Battery capacity (mAh)	4500
Removable battery	No
Fast charging	Proprietary
Wireless charging	Yes

DISPLAY

Screen size (inches)	6.70
Touchscreen	Yes
Aspect ratio	19:9
Pixels per inch (PPI)	505

HARDWARE

Processor	1.9GHz octa-core
Processor make	Samsung Exynos 9820
RAM	8GB
Internal storage	256GB
Expandable storage	No

CAMERA

Rear camera	12-megapixel (f/1.5) + 12-megapixel (f/2.4) + 16-megapixel (f/2.2) + 0.038-megapixel
Rear autofocus	Phase detection autofocus
Rear flash	Dual LED
Front camera	10-megapixel (f/1.9) + 0.038-megapixel
Front autofocus	Yes

SOFTWARE

Operating system	Android 9.0
Skin	One UI

CONNECTIVITY

Wi-Fi	Yes
Wi-Fi standards supported	802.11 a/b/g/n/ac/ax
GPS	Yes
Bluetooth	Yes, v 5.00
NFC	Yes
USB Type-C	Yes
Headphones	3.5mm
Number of SIMs	1
Active 4G on both SIM cards	No
SIM 1
SIM Type	Nano-SIM
GSM/CDMA	GSM
3G	Yes
4G/ LTE	Yes
Supports 4G in India (Band 40)	Yes

SENSORS

Face unlock	Yes
Fingerprint sensor	Yes
Compass/ Magnetometer	Yes
Proximity sensor	Yes
Accelerometer	Yes
Ambient light sensor	Yes
Gyroscope	Yes
Barometer	Yes

What is the difference between creamy and non creamy layer of OBC

Creamy Layer OBC is that category of OBC wherein the members are wealthier/better off and overall more privileged than the other members belonging to OBC. Non-creamy layer OBC is the other category of OBC which is not as socially/economically advanced as the Creamy Layer OBC. 

Difference between Creamy and Non-Creamy Layer in OBC

OBC and NC OBC are the two classes into which OBC is divided on the basis of annual salary in the OBC category.
NC OBC is Non Creamy Layer OBC while OBC is Creamy Layer OBC.


OBC Creamy layer does not get any benefit.They does not come under reserved category anymore.They are treated equal to General category candidate.The difference between Creamy and Non creamy layer is on the basis of Annual income of Family.If the annual income of the family is more than 4.5lakhs per annum,the candidate is considered to be under Creamy layer and does not get any benefit of reservation.The Union ministry is considering to raise the bar to 6laks per annum and it will be done this week itself. OBC non creamy layer gets benefits for exams and jobs.   

In India, the OBC (Other Backward Classes) category can be subcategorized into two - i.e. Creamy Layer OBC and Non-Creamy Layer OBC. The concept of creamy lawyer has arisen out of necessity - in this case, when a caste is taken as a class. However, it is pertinent to understand that it is a concept only for the OBCs and not for any SC/ST candidates.
 

Basic Difference:

The term Creamy Layer is used for a particular category of OBC, or those members of the OBC that are wealthier, better educated and overall better off in comparison to other members of the OBC category. This is the basic difference between the Creamy layer and the Non-creamy layer OBC.

To make the OBC a homogeneous class, the developed or more advanced persons are excluded from getting benefits/reservations by applying this principle. The OBC creamy layer does not get any benefit, and is treated as a part of the General Category.

As a rule, the creamy layer is decided, based upon the income of the parents/household. Thus, if the parents’ income of a person belonging to the OBC category is above Rs. 8 Lakhs per annum, he would fall under the “Creamy Layer”. Similarly OBC persons where the household income is below Rs. 8 Lakhs per annum, would fall under the “Non-Creamy Layer” of OBC and would thus be entitled to the relevant benefits/reservations.

Need for “Creamy Layer” in OBC category:

Members of OBC are entitled to receive benefits by the State. This rule was made as a part of positive discrimination, in order to uplift the Backward Classes. However, technically, OBC category also includes certain “advance” persons.

The members of a caste/community should receive benefits by the state because they are socially, economically or educationally backward, and not only because they belong to a particular caste or community. Thus, if a person is advanced socially, economically or  educationally, he no longer shares the properties of that class and shall hence not be considered for the benefits and state protection. This is the reason why the concept of creamy layer under OBCs was created.

Thus, if the advanced or “creamy layer” of OBCs is excluded, the weaker section of OBC will be benefitted, and rightly so. On the other hand, if the creamy layer is not excluded, the poor and the deprived OBCs will be forced to compete with the rich and powerful section of OBC.

Eligibility Criteria for OBC Non-Creamy Layer:

If you fall under the OBC non-creamy layer, you can get reservations while applying for government jobs/posts. However, it is mandatory to obtain an OBC certificate (except in case of Tamil Nadu Govt.) for people falling under this category to avail the benefits. This certificate is valid for a year, from the date of recieving it. Given below is the eligibility criteria and special circumstances for obtaining the non-creamy layer OBC certificate, in order to avail the benefits that the Government has to offer:

1. Income: Only when the income of the person’s parents is below Rs. 8 Lakhs, the person will belong to the non-creamy layer category and can apply for the certificate.
2. Parents working under Central Govt.:  If either of the parents of a person is working under Group C and D category of the Central Govt., or under Group II, III and IV of the officers’ category of the Tamil Nadu State Govt., that person will be eligible to apply for the certificate.
3. Person working under Central Govt.: If a person is working under Group B category of the Central Govt., or Group I of Tamil Nadu State Govt., then he/she will be qualified to for obtaining the OBC non-creamy layer certificate, provided that this person’s parents do not receive any income of any kind.
4. Husband working under Central Govt.: A wife would be eligible to apply for OBC certificate, if her husband is working under the Central Govt. and if her parents do not receive any kind of income.

Persons who do not fall under the category of non-creamy layer of OBC:

There are certain castes that come under the Backward and Most Backward Castes which are not included in the Central Govt.’s OBC category and can not hence apply for the certificate. Similarly, if the parents of the applicant are employed under Group A or B services, including IPS, IAS and IFS, or if the parents (or either of them) are working in the private sector as businessmen, lawyers, doctors, engineers etc. and if their income is above Rs. 8 Lakhs per annum, they would not be eligible for the said OBC certificate.

As a general rule, if the applicant’s parents’ income is above 8 Lakhs, he/she would not be qualified for obtaining the non-creamy layer certificate, and would fall under the “creamy layer”.

What are some hacks that everyone should know?

1. Buy a Greens Mix and a Shaker

This will take you a few seconds to do but will have positive results for YEARS to come.

Because of the lowered quality of our modern food, most of us have severe micronutrient deficiencies that lead to all sorts of issues like brain fog, fatigue, insomnia, and mood swings.

Invest in a high-quality greens mix (I recommend either Athletic Greens, Onnit’s EGN, or Legion’s Genisis) and drink it every morning on an empty stomach.

It will take you less than a minute a day and will give you the same energy and mental boost as spending 15 minutes preparing a green smoothie.

2. Buy a Notepad and a Pen and Carry it With You Everywhere

This might sound simple, but this one trick can have profound implications on your life.

Everyday we have ideas pop into our heads, we learn new things from people we meet, and see/hear things that we think, “Man that would be perfect for xyz”.

But we rarely, if ever, capture these ideas and lessons.

By having a notepad jamming into your leg all day, you’ll be reminded to take 15 seconds and jot down these ideas and lessons as they arise.

AND you’ll get bonus points when you’re in a social setting because other people will respect that you are trying to learn from them (and that you’re not whipping your phone out to take notes instead).

3. Buy a Calendar and Do *THIS*

If there’s a goal or habit you’ve been trying to accomplish that you can’t seem to figure out, buy a big ass calendar and a red sharpie and use the Jerry Seinfeld technique.

Every day that you successfully move towards your goal or complete your habit (e.g. writing 100 words in your blog, exercising for 10 minutes, drinking 8 glasses of water) put a big red x on the calendar.

Your goal is to create a chain of consecutive days and to NEVER break the chain.

Keep the calendar where you can see it and you’ll be much more likely to follow through on those goals and dreams.

4. Download This App

Pull out your phone right now and download Instacart.

It’s a grocery delivery app that will save you HOURS of time and thousands of dollars in the long run.

Here’s the thing…

Grocery shopping is a waste of time.

You have to write out your list, drive to the store, shop for items, wait in line, and you end up leaving with dozens of dollars worth of crappy foods that you never intended to buy.

By having a meal plan created for your weeks and using Instacart to get your groceries delivered to your door, you’ll save at least 4–5 hours of time each week and hundreds of dollars each year.

5. Put 3 Books in Your Bathroom and Leave Your Phone Out of It

It’s almost a cliche at this point… Using the bathroom and dicking around on your phone.

But here’s the thing… If you’re going to spend ~30 minutes on the crapper every day anyway, why not use that time to grow and expand your mind.

Put a few high-quality books in your bathroom next to the toilet and pick them up any time you need to “relieve:” yourself.

You’ll be amazed at how many pages this simple trick will help you read.

6. Black Out the Windows in Your Bedroom

Use black contractor trash bags if you have to but block out ALL of the light in your room.

It will have a profound impact on the quality of your sleep and help you perform far better during the day.

7. Say This ONE Word

“No”.

That’s it.

When you don’t feel like doing something, use this 2-second life hack and save yourself hours of time and plenty of headaches.

8. Make Someone Love You in 60 Seconds

Here’s a great life hack that takes only 60 seconds.

Make other people look good.

Seriously, the next time you’re in a group of people, take one minute and compliment/praise someone else in the group.

They will love you for making them look good publicly and other people will respect you more because you hung up your ego and focused the attention on someone else.

9. Buy These Three Things and Keep them at Your Office

Buy a kettlebell, a blue light machine, and a standing desk extension.

It will make your days far healthier and more productive and will cost you less than $300.

I promise it’s worth it.

10. Spend the First 60 Seconds Of Your Day Like THIS

When you wake up, drink a large glass of lemon water and then stand outside in the sunlight barefoot.

This will wake you up, invigorate you, and pull you out of your morning slump faster than any cup of coffee.

11. Minimize Your Material Possessions and Focus on Quality Over Quantity

True joy is found in beauty and passion, not in “things”.

If you want to massively improve the quality of your life overnight, then commit to becoming a minimalist.

Throw out everything in your house or apartment that is cluttering your living space and distracting you from the life you truly want.

Buy only what you need and always buy high quality items instead of cheap bargains.

12. Remember: Garbage In, Garbage Out

People forget the old adage that “Thoughts become things”. When you are filling your head with negative news, violent and grotesque movies, angry music, and generally pessimistic crap, you will bring more of it into your life.

Set a strict filter for what you will allow into your mind and life and never underestimate the impact that things have on your mindset.

13. Quit Complaining

If you have the ability to read this answer, then you have a lot to be grateful for (even if you don’t believe so).

Quit complaining and shift your focus towards the positive outcome you desire.

It will change your life.

14. Express Gratitude Daily

As Tony Robbins says, “When gratitude appears, fear dissapears.” If you want to supercharge your life and success, then don’t just eliminate the negativity, replace it with positive self talk and daily gratitude.

15. Set and Keep a Morning Routine

The quality of your mornings determines the quality of your days which determine the quality of your weeks, months, years, and eventually, your life.

Start your mornings with positivity, gratitude, and a focus on your biggest goal or aspiration.

I promise it will change your life.

16. Meditate Daily

In the Western world we are constantly living in the past and the future, but never the present.

Spend time each day reconnecting to the present moment and becoming aware of your thoughts and feelings now.

17. Take Your Sleep Seriously

Sleep deprivation has been shown to lead to obesity, diabetes, cognitive decline, cancer, and all sorts of other nasty maladies.

If you want to live the best life possible, then you must take your rest and recovery seriously.

Sleep at least 7 hours a night in a cold pitch black room.

Have an evening routine, power off all electronics one hour before bed, and quit eating after 7:30.

It will make a huge difference in how you feel and act.

18. Sweat Everyday

Not everyone should become a bodybuilder, marathon runner, or crossfit competitor.

But everyone should sweat daily.

Exercise has been proven to be more beneficial for your quality of life than damn near anything else in the world.

Sweat everyday for at least 20 minutes and thank yourself later.

19. Feed Your Mind Daily

Studies have shown that most CEO's read about 50 books a year.

Spend at least 30 minutes a day filling your mind with new information and positive messages and it will have a huge impact on your ability to successfully navigate the game of life.

Other people have spent decades learning lessons that you can learn in a matter of minutes.

Don’t waste the opportunity to learn from their actions and mistakes.

20. Be Careful About the Words You Use

People underestimate the impact that their self talk has on their brains and lives.

If you tell yourself that you are stupid, incapable of achieving success, or unlucky, you will bring those things into your reality.

If you tell yourself that you are smart, capable, and powerful beyond measure, your brain will find ways to confirm these beliefs and help you build a more amazing life.

Talk to yourself the same way that you would talk to a treasured friend.