EPF e-Passbook - Online Employee Provident Fund Balance

Greetings ! Now  EPF account holders  can check Employee provident fund balance online using the new e-passbook service by EPFO website. They has introduced a new concept called “EPF Account Passbook” , which allows EPF Account holders to download their EPF Balance passbook at any time e.g. you can now do EPF balance enquiry each month and see how its increasing.

Follow simple steps to register and enjoy the facility:

1. Register on the site with your name, mobile, DOB and document (e.g. PAN) information
2. Generate PIN and confirm it (received on registered mobile)
3. Login with registered Document number and mobile (no username & password)
4. Download EPF Passbook after entering your PF Account number

Few points to remember:

1. One mobile number per registration, though multiple PF accounts
2. One Account per establishment e.g. 2 accounts possible for Delhi & Karnataka but both are not possible under Delhi
3. Maximum 10 accounts can be viewed
4. Inactive Account details not available
5. Multiple Id can be created with as many Documents you register e.g. each with PAN & Driving License

References:  http://www.jagoinvestor.com/2012/08/epf-passbook-employee-provident-fund-balance-online.html

SBI offers lower rates to Old Home Loan Borrowers

State Bank of India's old home loan borrowers have a reason to rejoice. The bank has decided to allow these borrowers to switch over to the new floating rates that are lower, said a bank official.

Borrowers who have taken loans linked to SBAR (State Bank Advance Rate or the prime lending rate) are paying as much as 2-3 percentage points more than existing floating rates that are linked to the Base Rate.

This is because the Base Rate is lower than the SBAR. SBI's Base Rate is currently at 10 per cent, while the SBAR is 14.75 per cent. Besides, the bank has also reduced the spread it charges over the Base Rate for home loans. Because of this, new home loan rates have moved southwards, said the official.

There is no restriction on the tenure or the amount of the loan for customers to switch over. The bank is charging a fee of 1 per cent of the outstanding amount to switch to the new rate

The current floating rates are:

• 10.5 per cent for loans up to Rs 30 lakh, 
• 10.75 per cent for loans between Rs 30 and 75 lakh, and 
• 11 per cent for loans above Rs 75 lakh.

Those borrowers who took a home loan even a year ago are paying higher rates. In some cases, the difference is as high as 3 percentage points. So, in the interest of fair practices and transparency, we are offering the current floating rates to all our customers. On an average, the benefit to old customers could work out to be more than 1 percentage point.

For switching over, the only condition is that the customer should not be a defaulter. If so, then he or she can pay the default amount and switch.

Customers have been enquiring about shifting loans to other lenders given the higher rates, and this is one reason why SBI came up with such an offer, the official said. 

Mithun Special Dialogues

Here are some amazing dialogues from Mithun da's films. Enjoy !!!!

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" Bheegi hui cigarette kabhi jal nahi sakti.....                       

aur yeh tay hai ki teri maut ki taarikh tal nahi sakti "                    

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"Apuun ka naam hai HEERA,                                                  

Apuun ne sab ko Cheera..." (wah wah.....)              

                    

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shetty: "kaun hai be tu?"

Mithun da says-

      "Mai hoon tum jaise logon se nafarat karne wala,

Garibon ke liye jyoti, Gundon ke liye jwala                                        

             tuze banake maut ka Ek niwala,

             tere sine mein gaad dunga mai maut ka bhala.

             Mila doonga yamraj se tere ko  salaaaa." (what a poetry!!!!!)

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" kyunki ab mein Indrajeet nahi......chandaal hoon                          

tum chaho toh mera program note karlo                                      

...tum sab meri diary mein mar chuke ho!                                    

mein chahoo toh tum sabko abhi mar sakta hoon                              

magar abhi maarne se tumhe maarne ka credit meri bullet ko mil jayega!!!! "

(kya logic hain!!!!!!!! !,superb! )                          

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" Main hoon Do Numbri, ek se jyaada, teen se kam                            

Dikhne mein bevda, bhaagne mein ghoda, aur maarne mein hathoda .... " (amazing )                                                          

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" Jitani tumane saanse li hongi, usase jyaada maine lashein  girayi hai

(!!!!!!!!!!!!!!   ??????? )                                                            

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Mantriji:- "Ye kanch bullretproof hai. tum mujhe chu bhi nahi sakte"

Mithun Da:-"Ye kanch bulletproof hai magar patthhar proof nahi"            

AND HE BREAKS IT BY THROWING STONES ON THE GLASS.                          

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 And the best one…………….

Mithun da gets a bullet on his leg, Looks at the villain scornfully, calmly stands up and says-                                        

"DUSHMANO KI LAASHON PAR BHANGRA KARNE WALA KABHI LANGDA NAHIN HO SAKTA"

" Koi Shaq..??