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Showing posts with label EDUCATION YOJANA. Show all posts
Showing posts with label EDUCATION YOJANA. Show all posts

Saturday, August 15, 2020

GUJARAT CORONA UPDATE :- OFFICIAL PRESS-NOTE DATE:- 15/08/2020




Coronavirus disease (COVID-19) is an infectious disease caused by a newly discovered coronavirus.

Most people infected with the COVID-19 virus will experience mild to moderate respiratory illness and recover without requiring special treatment.  Older people, and those with underlying medical problems like cardiovascular disease, diabetes, chronic respiratory disease, and cancer are moreo likely to develop serious illness.

The best way to prevent and slow down transmission is be well informed about the COVID-19 virus, the disease it causes and how it spreads. Protect yourself and others from infection by washing your hands or using an alcohol based rub frequently and not touching your face. 

The COVID-19 virus spreads primarily through droplets of saliva or discharge from the nose when an infected person coughs or sneezes, so it’s important that you also practice respiratory etiquette (for example, by coughing into a flexed elbow).

At this time, there are no specific vaccines or treatments for COVID-19. However, there are many ongoing clinical trials evaluating potential treatments. WHO will continue to provide updated information as soon as clinical findings become available.



GoI’s app to connect health services with the people of India to fight COVID-19

Aarogya Setu is a mobile application developed by the Government of India to connect essential health services with the people of India in our combined fight against COVID-19. The App is aimed at augmenting the initiatives of the Government of India, particularly the Department of Health, in proactively reaching out to and informing the users of the app regarding risks, best practices and relevant advisories pertaining to the containment of COVID-19.






Today, a total of 21,317 tests were conducted in the state, which is about 2.5 TET per million per day, taking into account the state's population.  So far a total of 13,8,8 tests have been conducted in the state.  Today, a total of 1,8 cases have been registered in various districts of the state, 1 OL) and 09 M in other states.  Today, 1,018 patients have recovered and gone home.  To date, a total of 2,01,9 persons have been quarantined in different districts of the state out of which 2,00,8 persons are home quarantine and 21 persons have been placed in facility quarantine.  

 The details of the total patients in the state at present are as follows.  Active Case Ventilator Discharge Death Total Stable 13599 13 SO439 કુલ A total of 17 tragic deaths due to David-17 have been reported in the state today.  Details of which are as under Death ૫ 3 ૨ District / Corporation Surat Surat Corporation Ahmedabad Corporation Vadodara Corporation Gir Somnath Junagadh Mehsana Morbi Rajkot Full 11111918 State Control Room Phone No: 08-20418 (Health), 08-2100 (SEOC)



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Monday, November 11, 2019

EDUCATION LOAN ALL DETAIL IN PDF IN GUJARATI LANGUAGE


EDUCATION LOAN ALL DETAIL IN PDF IN GUJARATI LANGUAGE...MUST READ

Whom is the loan offered to?

It is offered to students who want to study in India or pursue higher education overseas. The maximum amount offered for studies in India and overseas are different and varies from one bank to another.
Types of courses covered under the loan

It can be taken for a full-time, part-time or vocational course and graduation or post graduation in the fields of engineering, management, medical, hotel management, architecture, etc.
Eligibility, documents required

To apply for the loan, one must be an Indian citizen, having secured an admission into a college/university recognised by a competent authority in India or abroad. The applicant must have completed his higher secondary level schooling.

Some banks offer the loan even before one has secured admission into the university.
As per the Reserve Bank of India (RBI) guidelines, there are no restrictions on the upper age limit, but some banks may have it.

EDUCATION LOAN ALL DETAIL IN PDF IN GUJARATI LANGUAGE...MUST READ

The banks require additional documents such as admission letter of the institution, fee structure, Class X, XII and graduation (if applicable) marksheets. Also required are the income documents such as salary slips or income-tax returns (ITR) of the co-applicant.

Loan financing, collateral requirement
The banks can finance up to 100% of the loan depending on the amount. Currently, for loan up to Rs 4 lakh, there is no margin money required. For studies in India, 5% of the required money has to be financed by the applicant. On the other hand, for studies overseas, the required margin money increases to 15%.
The banks also ask for collateral for loans above Rs 7.5 lakh. Presently, the banks do not ask for any collateral or third-party guarantee for loan up to Rs 4 lakh. For loans above Rs 4 lakh up to Rs 7.5 lakh, a third-party guarantee is required. A collateral is asked for loan exceeding Rs 7.5 lakh.


Once the loan application is accepted, the banks disburse the amount directly to the college/university as per the given fees structure.

Interest rate
The banks uses the Marginal Cost of Funds based Lending Rate (MCLR), plus an additional spread to set an interest rate. Presently (in 2017), the additional spread is in the 1.35-3% range.


Repayment
The loan is repaid by the student. Generally, the repayment starts when the course is completed. Some banks even provide a relaxation period of 6 months after securing a job or a year after the completion of studies for repayment.

The repayment period is generally between 5 and 7 years, but can be extended beyond that as well.

EDUCATION LOAN ALL DETAIL IN PDF IN GUJARATI LANGUAGE...MUST READ

During the course period, the bank charges simple interest rate on the loan. The payment of simple interest during the course period lessens the equated monthly instalment (EMI) burden on the student for future repayments.


Precautions
While applying for a loan, one should also look out for bank charges such as those related to processing, pre-payment, late payment of EMIs, etc. Most lenders charge processing fee of around 0.15 percent of the loan amount.

Benefits under Income-tax Act
Section 80E of the I-T Act allows for deduction on the interest paid on the repayment. This deduction is allowed only for the individuals paying interest on the loan for himself, spouse or children or for the student to whom you're a legal guardian.

You can deduct the entire interest amount paid from your taxable income. This deduction is allowed for a maximum of 8 years. The principal amount does not qualify for any tax deduction.

Conclusion
Taking an education loan helps you in building a good credit score as this is the first loan in a person's life. If you repay the loan on time without any defaults then it also makes easier for you to get home loan, car loan, etc., in future.


EDUCATION LOAN ALL DETAIL IN PDF IN GUJARATI LANGUAGE...MUST READ

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