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Note-This is a long answer but believe me, it is worth reading.This answer targets every competitive exam in which the English section plays a major role.I am taking an example of English section of bank exams because it is the hardest nut to crack.I am not promoting any apps, websites. I am preparing for this exam also. I have watched a lot of videos of the English strategy. They just beat around the bush and say only two things-Do reading and Improve your vocab. But they don't tell the exact sources that we should follow.That’s why i am writing this answer.English is the toughest section in the bank exams. Most of the people think that I am from English medium background, therefore, cracking this section is a piece a cake for me. This is the reason why the most of the people are not able to clear even sectional cutoff of this section. Just see the cutoff-IBPS PO PRE 2015 CUTOFF-(Out of 30)IBPS PO MAINS 2015 CUTOFF-IBPS PO PRE 2016 CUTOFF-IBPS PO MAINS 2016 CUTOFF-IBPS PO PRE 2017 CUTOFF-IBPS PO MAINS 2017 CUTOFF-(Out of 40)Did you notice something?The cutoff for this section is in single digit out of 30/40 marks. So you can guess the level of this section. That's why I showed screenshot to know the importance of this section.Now how to prepare for this section?There are 3 major parts in this section-1.Reading Comprehension.2.Vocab.3.Grammar.Now let's discuss one by one1.Reading Comprehension-To master this section do at least one- hour editorial reading(Business/Economy related articles) of The Hindu, Indian Express, Economic Times etc. There is no need to buy any newspaper. Just install this app.Daily editorial-The advantage of this app is that when you click on the word the meaning of the word will pop up. So there is no need to use the dictionary again and again.And please don't waste your precious time in jotting down current affairs and vocab. You have two choices either waste your time in jotting down things or follow my advice(i did this thing and believe me making notes is an utter waste of time).For speed reading, I suggest these two apps-1.2.For RC practice-Ideal Test Simulator For The RC Section Found On All Standard Tests.Book to follow for speed reading-How to read better and faster by Norman Lewis.2. Vocab- I have already discussed the importance of these two apps. I will provide the link to the answers at the end of this answer.1.VOLT-2.VOCAB MEME-Follow these lectures for vocabulary-How to build your English Vocabulary - YouTube3. Grammar- This is the section where most the banking aspirants waste their precious time. There are thousands of rules and cramming these rules is a difficult task. Do reading and your half of the work is done for this section. But if you are preparing for SSC then just follow these two books-Plinth to paramount by Neetu Singh.Mirror of common errors by Dr Ashok Kumar Singh.For grammar follow these videos by MERITSHINE-1.GRAMMAR BY SAMIR SIR-Learn the nuances of English Grammar - YouTube2. GRAMMAR BY RATNABHA SHAH SIR-English Grammar for Competitive Exams - YouTubeSome other useful pieces of stuff-Which dictionary should we follow?It depends on person to person but I follow Merriam Webster.What are some important lectures?1.THE EDITORIAL TIMES - YouTube2. Meritshine videos on English.Where to practice?1.Sanctum English2. Daily quizzes of adaa, gradeup, ibpsguide, aspirant zone, olive board.Links of other answers that may be useful for you-1.Nitish Arya's answer to What are good YouTube channels to learn English language?2.Nitish Arya's answer to Which is the best app for learning English vocabulary?3.Nitish Arya's answer to What is the best youtube channel to prepare for bank exam?4.Nitish Arya's answer to How does one read the Hindu newspaper for bank exams?5.Nitish Arya's answer to Which is the best book for reasoning and aptitude?Request-If you know better resources/strategy please tell me in the comment section. Please don't be narrow-minded people who think that if we share our strategy then it will increase the competition. Just remember this quote-Aap jeevan me tab tak safal nhi ho skate jab tak aap dusro ke safal hone m unki madad nhi krte.To get more guidance about bank exams, you can search my channel name on youtube.Channel name-BeNextBankerI will not provide the link. If you are serious banking aspirant then you will definitely search. If i will provide the link then non banking aspirant will click on the link just to see my channel only. They will watch the video only for 1 minute. So why to waste their precious time./-

Hi!You can file ITR:Physically submissionpreparing and submitting ITR to your nearest Income Tax Department branchOnline submissionIncome Tax websiteUsing Income Tax e-filing ITRUsing Income Tax UtilityERIs (e-Return Filing Intermediaries): They are authorized to file ITR on behalf of the taxpayers, like Quicko.Steps to e-file ITR using income tax e-filing account:[1]Log-in to income tax e-filing accountSelectThe correct ITR Form. The ITR form you should file varies based on your income situation during the financial year. Use Know your ITR Form Tool to check which ITR you should file.Assessment Year: eg: for income earned during FY 2018–19 the tax should be filed in AY 2019–20Filing TypeSubmission ModePrepare the ITR:Add: All the income earned during the Financial yearLess: All the eligible deductionCalculate your tax liabilityIn case, you have outstanding tax dues you need to pay the self-assessment tax before submitting the ITRIf you have paid excess tax during the financial year by way of Advance Tax or TDS, you can claim the tax refund.Submit the ITRe-Verify the ITR[2]The income tax e-filing process is not complete unless you e-verify your ITR return. You can e-verify your ITR using Aadhaar OTP, Bank ATM, Bank Account, Net Banking, Demat Account, Physically send ITR-V to ITD.Hope this helps! In case, of any query feel free to leave us a message or comment below.Footnotes[1] Income Tax: ITR Forms, Due Date, Return, Filing in India | Quicko[2] ITR e-Verification - Plans by Quicko

You're in luck: as others have pointed out, there are a ton of free legal resources online for startups. I just finished doing a lot of research trying to find reliable templates for legal documents, and these are the resources I suggest: Docracy is an open collection of legal contracts. Document templates are free to download, customize, store, and e-sign.Series Seed Financing Documents Free, open-source legal documents for seed financing in MS Word (.DOC) formatNational Venture Capital Association‘s model legal documents A set of legal templates and termsGitHub repository Templates of S...

The logical route for most small businesses that are operating on tight budgets is to start with free SaaS software. There are many out there but you will find that they are limited in features and capabilities. You may want to have a mix of free tools and set aside a reasonable investment for paid solutions since there are lots of affordably priced, SMB-friendly SaaS software offerings in the market. Here’s a great resource on SaaS tools for small business you may want to check out.The following are my suggestions of software categories and the respective products that are most useful in y...

A personal loan is an unsecured advance offered by both banks and NBFCs to any eligible individual. Personal Loans for Salaried class include people working in private or government enterprises and does Salaried Doctors working in health institutions, CAs working in companies, employees of Public listed and Private limited companies , MNCs, SMEs and Government Sector employees including public sector undertakings. Each bank has separate minimum criteria for income, age, employment type, credit score, job status, etc. You will need to meet these criteria in order to qualify for a personal loan.Personal Loan Eligibility1. Minimum and Maximum AgeThe minimum age for getting a loan is 21 Years whereas the maximum is 60 Years.2. Net Monthly IncomeFor salaried individuals, timely and regular salary credit is important to get eligible for loan. Min. Rs. 20,0003. Employment TypeSalaried customers have more choices for personal loan banks. Interest rates are typically in the range of 10.99% to 33.00% per annumPersonal loans to self-employed professionals and businessmen are classified as Business Loan4. Minimum Work Experience2 years of total work experience. Some banks also give loans with 1 year of total experience. Tenure from the current company should not be less than 6 – 12 months5. CIBIL Score for Personal LoanThe CIBIL Score for a Personal Loan should be more than650 & more credit history. The more the Credit Score the more chance for getting a LoanDocumentation RequiredDuly-filled and signed application form2 passport-size photographsCheque – Processing feeProof of Identity – Voter ID/ Passport Copy/ Driving License / PAN Card (any one)Address – Passport Copy/ Utility Bill (Electricity, Water)/ Rental Agreement/ Ration Card (any one)Income (depending on type of employment) – Latest Salary Slips (3 months) / Bank Statements (3 – 6 months) / Passbook (3 – 6 months)/ Current Salary Certificate (any one)Tax paid – Latest Form 16/ Income Tax ReturnKYC Documents – Address Proof, proof of Date of Birth, Identity Proof.How Income determines your Eligibility?Monthly Income to get personal loan should be at least Rs. 25,000. However, some banks give loans to individuals with salary less than Rs. 25,000. Banks also follow different limit to calculate the ratio of fixed obligations to monthly income.Suppose, your income is Rs. 25,000, then bank calculates your eligibility such that fixed obligations do not exceed 50% of your income. However, if your income is more than Rs. 35,000 per month, then banks will allow higher fixed obligations to income ratio of 65%, which means that your fixed expenses (including rent and other EMIs) can be up to 65% of your income to be eligible for a loan from a bank. Higher the income, better are the chances to get high loan amount.How to improve your eligibility for personal loan?You can improve your eligibility for personal loan by doing following things:To increase your eligibility, pay off your running debts firstPay your EMIs or other obligations on time to improve credit history and to negotiate with banks in future to get high loan amountTransfer your existing loans to lower rate to reduce your existing EMI and to get new loan of higher amount.FundsTiger can arrange loans from all the banks we can help you to get all types of loans and also balance transfers on existing loans and can also help you to giving free credit consultation.

Personally, I have found NSDL to be better than UTIITSL for online PAN application. Reasons:Better Website interface.You get an email upon registering with minimal information quoting your token number.You get to save your form online, and can return later to make changes before submitting your form, if you need, using the token number.Once you submit, you get acknowledgment and filled form on your email.For submission using Aadhar e-sign, online Aadhar verification using OTP is reliable on NSDL. Make sure you fill the same phone number, other details as on the Aadhar, both in the form and ...

There are adequate provisions in place to cover loss of PAN card, with an option to reprint a card provided by the government. So if you have lost your PAN card and aren’t sure as to what needs to be done next, here are a few simple steps which you need to follow to get a reprinted card.Log onto the official website of TIN-NSDL and navigate to the section on online application for PAN.Once here, choose the option “Reprint of PAN card.” This option can be chosen if your PAN Card was stolen, lost or misplaced.On clicking the aforementioned link, you will be directed to a different page, where you need to click on the “Online Application for changes/correction in PAN data” link.Clicking the aforementioned link will take you to a page which highlights the guidelines as to what needs to be done next. Post reading these guidelines one can choose the type of PAN they lost (individual, company, firm, HUF, etc.).They will now be required to fill up a lost pan card application form, providing details like their lost pan number, name, communication address, telephone number, email id, etc. Documents like photographs and ID proof need to be submitted along with the lost pan card application form, with an applicant expected to sign it before submission but if you have choosen Aaadhar based ekyc option there is no any physical document is required…The lost pan card application form can be submitted either online or posted to NSDL, along with necessary documents.Payment of approx Rs 110 (if the communication address is within the country) or Rs 989 (if the communication address is outside India) should be made, either though credit / debit card, net banking or demand draft.On successful payment an acknowledgment number will be generated which can be used for further correspondence.A duplicate PAN with the same pan card number will be delivered to the address in about two weeks.