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FAQs
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What's a safe website for fast cash loans?
Times can be tough, but that doesn’t mean you should settle for just any short-term loan you can find. Payday loans and installment loans aren’t legal in every state, and even if they are legal, lenders usually have to abide by strict regulations. Any lender that isn’t willing to comply with state law won’t be legit.Finding a legit lender doesn’t have to be difficult. All you need is a good sense of your state laws and a baseline for finding a good deal.What is a legit short-term loan?A legit payday loan is one that is offered to you legally. The lender needs to abide by the regulations set by your state, even if you are temporarily visiting somewhere else. Short-term loans can be applied for online and in-store but fall under the same regulations.Generally, short-term lenders have more relaxed criteria than banks and other lenders. You’ll be able to apply for a short-term loan if you have bad credit, are on a lower income or receive government benefits. However, the relaxed eligibility criteria does mean rates and fees are higher than other loans.Lenders still have to stick to state-mandated APR and can only lend up to the state’s maximum amount.Lenders must make a reasonable judgment on an applicant’s ability to repay the loan. The lender should assess factors such as income, housing expenses and existing debt in determining if the applicant can reasonably repay the loan.If a lender doesn’t ask you for any of that information or doesn’t attempt to evaluate if you can afford the loan, the lender probably isn’t legit. Since there are plenty of lenders that check, you should move on and find one that combines good terms with a strong lending ethic.
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What is a payday loan, and why are they so bad?
This is a loan intended to be short term “payday” came about as it was intended to be a loan to carry you over till you got your next paycheck.As others have noted they are very high interest rate loans. Having such a loan for a short period of time (1–2 weeks) is expensive but not unmanageable. If you take such a loan off and take a long time to pay it off, then it will cost you a fortune in interest payments.The main issue is that when you get the loans they have 1–2 year terms on them, thus the payments may seem like they are not too bad monthly, but in reality you are paying a lot of interest and little on the principle so over that time you may pay double or triple the loan you took out (assuming you don’t just pay it off right away.The secondary issue is that these loans tend to be geared towards and given to lower income people with bad credit. Someone with good credit, even with low income, likely can have a credit card that could cover some unexpected expense, which is still high interest rate but no where near as bad as a payday loan… people with bad credit however will turn to payday loans, and there is a reason they have bad credit and this is normally related to their lack of ability to manage money. Take someone who is not good at managing money, give them a high interest loan and a long time to pay it off and it is very bad for the consumer.The final issue is that people also don’t use these loans for what they should be used for. This likely falls back to the poor money management part of things. People will take one of these loans out so they can buy a video game system or a new big TV, not to cover a necessity till the next paycheck. Basically this starts a spiral of debt on the heads of people who in general cannot afford it.
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Do you need a loan to stop your troubles? Easy loan?
Try this site where you can find the best solutions for all your personal financial needs://creditandfinancesol.info/index.html?src=compare//RELATEDCar Insurance parked hit and run question?I have USAA as my auto insurance. Here’s the back story. I was parallel parked alongside a street here in Atlanta and a car (more than likely) was trying to get out of his/her space and hit the left driver side bumper pretty hard (ruining the paint and loosening up the bumper pretty good…and cracking the tail light). This person did not leave a note. I have my 500 deductible. I also have uninsured motorists coverage. Right now USAA is saying that I will have to pay the $500 ded. Why couldn’t they put it under the uninsured motorists coverage I have instead so I wouldn’t have to pay a dime? Is it within reason to call them and ask for this issue to be adjusted? If so, what points can I make to insure I get the deductible taken care of under the uninsured motorists coverage? Thank you for your help!”How much would insurance be on a Nissan 350z?Hi guys!! Ok so I’m soon to get a 2003–2006 Nissan 350z Touring or Enthusiast. Maybe around 9000$ to 15000. I’m almost 18 and what would insurance be like for me??? Allstate, State Farm, ect. I just need a basic monthly quote! Thanks!!”Flying insurance????????????do u need insurance if you are flying in a private jet charter (like a private jet)What are the best websites to get car insurance quotes from different companies in New York City?What are the best websites to get car insurance quotes from different companies in New York City?Geico Car Insurance?I have a 2013 Mitsubishi Lancer GT. My mother took the loan out and I was wondering can I get my own insurance (19 years old) and insurance the mitsubishi even though the loan is in her name?Co-op Health Insurance?Can anybody out there tell me how does Co-op Health insurance work. im researching for a paper in my finance class and cant find info elsewhereWhat is car insurance for a first time driver?Okay i am 18 and have never had my license before and am going to be getting it at the end of this month…soon we are going to start getting insurace quotes for my car, we have been talking about what would be the best way to go about getting the cheapest insurance…so would it be best to put the car in my name but then just be added to my parents insurance and have me as the primary driver OR would it make a difference if we put the car in one of my parents name and then had me listed as the secondary driver for the car ? OR maybe you know a better way to go about this please give me all the advice you know about this! thanks”Will taking a defensive driving class lower my insurance and take points off my driving record?Ive been in two car accidents one in Nov.2007 and the other Feb. 2008 and i was wondering if taking a defensive driving course would take points off my driving record and lower my insurance.Car insurance INCREASE every 6 months with no accidents/tickets? wtf!?Last year I had Unitrin Direct….they were charging me $85 a month…this is with NO tickets or accidents for the last 5 years of my driving record….this is also with the BASIC insurance that you need in Florida…10/10/20…NO collision…and a $1000 deductible….. So at the end of my 6 months…it was time for a renewal…they tried to bump me up to $140 a month for no reason…still no accidents/tickets…nothing had changed…i had expected my rate to DECREASE….they tell me it’s a STATEWIDE INCREASE ……so i called around… Ended up switching to Allstate who has been charging me $90 a month (better than $140 right?)…..6 months go by, everything’s cool…..now my policy renewal is coming up and they’re trying to tell me i need to pay $160 a month for their basic insurance. Are you kidding me? And according to them it’s another STATEWIDE INSURANCE INCREASE …… They also told me that it could be due to not having CONSECUTIVE insurance for the last few years, as in…I switched from State Farm to Unitrin to Allstate……they told me call the state insurance commissioner…which I did…. Got connected to some guy in Gainesville who tells me that the INSURANCE companies are the ones who decide the rates and increases…not them. Pretty much BS….Allstate’s blaming the state, state’s blaming them…feels like a huge runaround to me. Guess my questions are…. Should I stick with Allstate and pay $160 a month for this absolute BASIC insurance (keep in mind..no collision, $1000 deductible)…my car’s not even worth a YEAR of their insurance. …. Or shop around? But if I switch back to Unitrin or get Geico or whatever….will I risk having ANOTHER increase after 6 months? And is it true that one of the reasons for these statewide increases is not having consecutive insurance with the same company for so many years? Thanks all.”I’m on a fixed income with 3 cats. Does any cat owner know of a good affordable cat insurance plan?*I purr..fer to hear from people that already have a good affordable cat insurance plan.
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Can I borrow some money?
if you need money, there are ways you can get it safely and quicklyThere are times in life where you need money for a late bill or an emergency expense, but you might not know where to start on an often time-consuming and frustrating process. Our article below outlines the ways you can borrow money fast so you don’t have to spend time worrying about filling the gap between paychecks.Few month ago I need some urgent money, My friend Henry suggest me to take money from this website its reliable and you can get urgent money just after fill a form.So I did it.And get Money within 3 hours .This is the website URLOnline short term loans have less strict requirements than a traditional loan.One way to minimize interest rates how much a short term loan will cost is to only borrow the amount of money you need to cover your expenses and to choose the shortest repayment period you can afford.Here is the process3 Easy Steps1. Complete the Short Loan Request Form2. Our Network of Lenders Reviews Your Request – You Can Get a Loan Offer3. If Approved, Review and Accept Your Loan – All Conveniently OnlineRemember, our service is free and you’re not obligated to accept any loan offer.Eligibility:You do not need to have a perfect credit score to be eligible for a bad credit loan. Customers with poor credit may still qualify for a loan; however, our lenders do not typically provide loans over $1,000 to bad-credit individuals. Please note that meeting these requirements does not mean you will be connected to a lender.Requirements:Be at least 18 years old.Provide proof of citizenship, such as a Social Security number, or legal residency.Have a regular income, either from full-time employment, self-employment, or disability or Social Security benefits.Have a checking account in your name.Provide work and home telephone numbers.Provide a valid email address.Loan Process:Our loan request process is designed to connect you with the lender from our network who can assist with your financial needs. If successfully connected, our lender network will verify your information quickly and review your loan request.Depending upon the information you provide, a lender might respond with a loan offer. You should take your time in reviewing all details of any loan you’re considering. You will not be obligated to accept the offer if it is not the right offer for you!When you decide to accept your loan, just agree to the lender’s terms via e-signature. (Remember, you are under no obligation to accept any loan offered.)Once you add your electronic signature to the lender’s contract, they will distribute the loan funds to your checking account via direct deposit. All funds should be available as soon as the next business day, however, the exact availability timeframe will depend on your lender’s deposit process.Best and trusted online loanRepayment:The lender will present you with the repayment schedule and you will be able to repay your installment loan off over time rather than all at once.That’s all there is to it! Our lenders require no collateral, and you will not be denied a loan solely based on a poor credit history. Your steady income and checking account is the only security required.Note: Bad Credit Loans is not a lender; rather, They specialize in connecting borrowers with Their network of bad credit lenders and financial service providers. Bad Credit Loans cannot dictate your loan terms, conditions or interest rates/fees.
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How do I register a Pvt. Ltd. company?
Steps to Register Private Limited Company:-Step 1. Digital Signature Certificate(DSC) RequiredThe first and foremost step to start the registration process is to have directors & shareholders Digital Signature Certificate. Digital Signature are nothing but a USB drive(DSC token) which contains the encrypted digital signature of a person.It is same as a person is signing with a pen on a paper and with digital signature, a person can sign a document on Computer.Step 2. Directors Identification Number(DIN)Directors Identification Number(DIN) are mandatory for every person, who wishes to become a director in any company. PAN card is mandatory to have a DIN number. Director Identification Number is a unique code which has lifetime validity.Documents required for DIN ApplicationPAN CardAdhar CardElectricity BillPhone billMobile BillBank StatementNote: There can be Maximum 15 Directors in a Private Limited Company which can be received by giving Notice to ROCStep 3. Name ReservationAfter having DIN number. Name Reservation Application can be filed through Form INC-1 and Name will be reserved by the DIN numbers of the Directors. Following points should be considered while making the application for Name Reservation.The name should not be similar to any existing company or LLP name.The name should not be similar to any Registered Intellectual Property.In the event of winding-up of a company, the name of such entity will not be available for use for the next 2 years. However, if company winds up by the court order, then the name of such entity will not be available for use for the next 20 years.Step 4. Drafting of Memorandum of Association(MOA) and Article of Association(AOA)Memorandum of Association: It is the constitution of a company. It is a document, which among other things, defines the areas within which the company can act. It states the objects for which the company has been formed. Articles of Association: It contains the rules and regulations relating to the internal management of a company. It serves as a binding contract between the company and its members. Once the company name is approved by the ROC, the subsequent step is to draft the MoA and AoA. The subscribers need to determine their name, address, and occupation in their own particular handwriting and sign the subscription pages of MoA and AoA.Step 5. Certificate of IncorporationAfter the submission and completion of all the necessary documents, the registrar of the company shall retain and register the memorandum and articles. After the registration of the Memorandum of a company, the registrar shall signNow that the company is incorporated. The digitally signed "certificate of incorporation" then will be emailed to the directors.
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What are the challenges of e-banking?
E-Banking:E-banking allows customers of a financial institution to conduct financial transactions on a secure web website operated by the institution, which can be a retail or virtual bank, credit union or building society. Electronic or online banking is the latest delivery channel to be presented by the retail banks and there is large customer acceptance rate which means delivery of banking services to customers using electronic technology either at their office or home. The E-Banking offers massive opportunities in every sphere of business as the competitive advantage, member client retention increased revenues and reduced costs.Major Challenges in India are:E-banking in India is in its emerging stage of development. Most of them are basic services only the deregulation of e-banking industry coupled with the emergence of new banking technology is enabling new competitors to enter the financial services markets quickly and efficiently. However it needs to be recognized that perception norms and an improvement in functioning of e-banking services.ACCEPTANCE OF CUSTOMER: Proper understanding of the customer is the major aspect of the E-banking. It is known that computer literacy in India is yet very low and is problems in fast acceptance of internet. Attitude of the Indian customer needs to be changed by giving awareness about technical terms in internet banking. However, it supports in the fast changing technical scenario, the obsolesce of technology fast. Hence there is always lack of skilled personal and fear of technology.COSTLY TECHNOLOGY: In connection with Start up cost e-banking is huge at initial level for acquiring personal computer and other equipments; oneself to do online banking is still not with signNow of the middle class & upper middle class customers. The cost of maintenance of all equipments like, modem, routers, bridges and network management systems is very high. The cost of sophisticated hardware and software and skill level of people needed. In Internet banking there is need of skilled employees or knowledgeable professionals to route the banking transactions via internet. Banks can employ software application developers, database administrators and training to existing bank staff on the changing systems and procedures who can handle Internet banking applications under proper supervision.ISSUES IN SECURITY: In a paper less transactions, many problems of security are involved. A secrecy threat as circumstensive decision to cause the economic hardship to data, destruction of network resources disclosure, modification of data or fraud, denial in services and distortion of information. Providing appropriate security of using encryption techniques, implementation of firewalls and virus protection software etc.LEGAL ISSUES: In today’s banking world, legal framework for recognizing the validity of banking transactions. Conducted through the internet is still being put in place? Information technology act provides security &legal framework for e-commerce transactions as well as e-banking. Information technology act or RBI suggested that criterion of Digital Signature Certification Board for authentication of electric records and communication with digital signatures.OTHER BUSINESS RELATED RESTRICTIONS: Not all transactions can be carried electronically; many deposits and some withdrawals require the use of physical services. Some banks have automated to their customers (front end) but still largely depend upon manual process (back end).It result, most of clientele or customers were restricted by lack and awareness and due to technical problems.TRANSPARENCY IN OFFERING : Banks will strive to adopt best practices in corporate governance and Corporate Social Responsibility (CSR) this will build brand image and can help them to enhance their confidence of international investors. Banks much towards better corporate governance standards and adoption of uniform accounting standards and disclosure requirements.ADOPTION OF PROPER ORGANIZATION STRUCTURE: Banks may required to adopt flatter organization structure for judicious blending of needs foe greater delegation of power, decentralization, customer centric business models, quickly reaction of customer needs, learn constantly from customers, provide customer access, whatever and however they want to transact and interact especially for catering younger Information Technology survey population.
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What is the best form for a subsidiary of a foreign company in India?
The term subsidiary means a there should be either a private limited company or a public limited and at least 51% of its entire equity capital should be held by some other Indian or foreign company. To incorporate a subsidiary of a foreign company, the following article will help:How to incorporate a wholly owned subsidiary in India?Any foreign company can incorporate a wholly owned subsidiary company in India. In India, private limited companies are most popular form of business structure and therefore most obvious choice of foreign companies. In an Indian private limited company, there can two shareholders and two directors and at least one Director should be resident in India. 100% shareholding of an Indian private limited company can be owned by its foreign holding company and the requirement of having at least two shareholders can be fulfilled by giving one share to the nominee of foreign company. Wholly owned subsidiary company incorporation process is fast and hassle free and can be completed online. That means the promoters or their nominee doesn’t have to necessarily fly to India to incorporate a wholly owned subsidiary company. The step by step incorporation process is discussed below:Obtaining Digital Signature CertificateSince all incorporation papers are submitted to the Central Registration Centre, Ministry of Corporate Affairs (registering authority to register all types of Companies in India) online, so all the Individual promoters are required to have a class II type of digital signature certificate issued by any private agency such as SIFY and/or E-Mudhra. These agencies holds a license from the signNowing Authority (Under the provisions of Indian Information Technology Act, 2004) to issue digital signature certificates to individual and organisations.Digital signature certificates are generally valid for one or two years and can be used after incorporation as electronic signature of the individual promoter for submitting any document with the MCA or the Income Tax Department.To obtain digital signature certificate, the applicant has to fill, affix his/her passport size recent colour photograph and sign an application form of issuing organisation (SIFY and/or E-Mudhra). This application form is submitted to the issuing authority along with a self-attested and notarised/apostilled proof of identity and proof of address of the applicant. In case the proof of identity and address is not in English language, then a certified translated copy of the same shall be submitted along with the filled in and signed application form.1. Filing name application and obtaining name approval from the Central Registration Centre, Ministry of Corporate AffairsAfter the introduction of SPICe (A single form for submitting incorporation application), name of proposed company can be submitted in SPICe. However, it is general practice to file name application in RUN (Reserve Unique Name) and obtain name approval certificate from the Central Registration Centre, Ministry of Corporate Affairs before preparing the Memorandum and Articles of Association and SPICe. RUN is filed online after logging in on Ministry Of Corporate Affairs. Two options for the proposed name, in order of preferences, can be submitted. At this stage, a certified true copy of the Board resolution of parent company, giving no objection for the incorporation of a subsidiary company in India and authority to any Individual to sign the papers on its behalf will be necessary. The copy of Board resolution should be notarised/apostilled, in the home country of parent company. In case the parent company has any registered trademark in India, or elsewhere, and the same is being used in the name of proposed Indian company, a no objection of the parent company in the form of Board resolution along with trademark registration certificate shall also be necessary to get name approved.The Central Registration Centre shall provide two opportunity to the applicant, in case the name applied is not available for registration, thereafter a fresh name application in Form RUN shall be filed. MCA fee for filing Form RUN is INR. 1,000/- which is non-refundable.Once approved, the name shall be available for registration for 20 days and after expiry of 20 days, the approved name shall automatically be withdrawn and a fresh name application shall be filed to get the same name again. In short - incorporation papers must be submitted within 20 days of name approval.2. Memorandum of Association (MOA) and Articles of Association (AOA)The main constitutional documents of an Indian company is its Memorandum of Association and Articles of Association. The Memorandum of Association contains the objectives of the company and details of Company's promoters and their ownership in the company and also their liability in case of liquidation. The Articles of Association is also very crucial piece of document and it contains the rights, duties, obligations of promoters and directors. It defines working relationship of company with its promoters and directors. The company's Memorandum of Association and Articles of Association has be very carefully drafted as a company cannot go beyond the provisions of its Memorandum and Articles of Association.The Memorandum and Articles of Association contains subscriber page, which needs to filled in and signed by the promoters of the proposed company. In case promoter is a body corporate, the subscriber page of the Memorandum and Articles of Association shall be signed by the person authorised by the parent company through a Board resolution. In case subscription pages are being signed outside India, the same needs to be properly notarised/apostilled in order to be a legally recognised document in India. In case promoters are traveling to India to get the company incorporated and sign subscription page or other incorporation papers, they must travel to India on a valid Business Visa. However, it is not necessary for the promoters to travel to India for simply incorporating a company and an Indian company can be incorporated without requiring the promoters to fly from their home country.3. Preparation and submission of SPICe (Incorporation Papers)Once company's Memorandum and Articles of Association is finalised and executed, an incorporation application shall be prepared in SPICe and submitted online with the Central Registration Centre, Ministry of Corporate Affairs. In order to prepare SPICe, the following information and papers shall be necessary:à Service Request Number of RUN (Name application Form), in case name is reserved earlier. In case the applicant has not reserved the name earlier, name application can be filed in SPICe as well. However, it is advisable to get the name reserved through RUN to be double sure about name and avoid procedural hurdles in case the proposed name faces rejection from the Central Registration Centre;à Main business activity code of the proposed company;à Particulars of registered office address: In India, every company must have a Indian address to be used as registered office of the company within fifteen days of incorporation. Particulars of registered office address can be submitted in SPICe at the time of incorporation. In case registered office address is not finalised, then particulars of a local communication address has to be provided in SPICe and company can submit the particulars of its registered office in Form INC – 22 within 15 days of incorporation;à Particulars of Authorised and Paid-up share capital of the company: There is no requirement to have minimum paid-up share capital and therefore, paid-up share capital can be as low as INR. 1/-. The authorised share capital or nominal capital is maximum limit of share capital, a company can issue shares. Presently there is no incorporation fee for keeping the authorised share capital upto INR. 1 Million and only stamp duty has to be paid on authorised share capital. It is advisable to keep the authorised capital INR. 1 Million at the beginning. The company's authorised capital may be increased at later stage after incorporation as per the requirements of capital;à Particulars of Directors/Shareholders: After introduction of SPICe, the application for allotment of DIN (Director Identification Number) is submitted at the time of incorporation itself through SPICe. DIN is a eight digit unique number allotted to all the Directors by the Central Government and is valid for lifetime. To obtain, the Directors/Promoters has to their passport and any document establishing proof of address. The copy of passport and proof of address must be self-attested, duly notarised and/or apostilled. In case these documents are not in English language, then a certified translated copy shall also be necessary. In SPICe, the names, father's name, residential address, nationality, residential status, occupation, education qualifications, the number of shares to be held by them in the company and amount paid-up etc. shall be mentioned. Particulars for allotment of PAN and TAN shall also be filled in the SPICe. After filling the necessary details in the SPICe, necessary attachments such as affidavits, consent letters, Memorandum of Association, Articles of Association, Proof of Identity and address of promoters, Board resolution of parent company, no objection of parent company for letting the proposed Indian company use its name etc. shall be attached. The SPICe has be be digitally signed by the applicant and the same shall be duly certified by a practicing professional such as a practicing Company Secretary, Chartered Accountant or a practicing Cost Accountant.4. Clarifications | Additional information requested by the Central Registration CentreAfter submitting SPICe online, all the papers are reviewed and scrutinised by the officials at the Central Registration Centre and they may require some additional information and/or clarifications by sending back the form for its re-submission. These clarifications are requested through e-mail though re-submission request. Upon receipt of re-submission request, the applicant has to again prepare SPICe and address the queries raised by Central Registration Centre and re-file the application.5. Certificate of Incorporation & Allotment of PAN & TANOnce all clarifications are provided and officials of Central Registration Centre are satisfied, they approve SPICe and send the same to the Income Tax Department for the allotment of PAN and TAN to the proposed company. PAN and TAN are generally allotted within few hours and after allotment of PAN and TAN by the Income tax department, an electronic Certificate of Incorporation is generated. The electronic Certificate of Incorporation contains company name, an unique CIN, date of incorporation, Company's registered office address, Company's PAN and TAN. After incorporation, first Board meeting of the company is to be necessarily held within one month of incorporation, wherein a Board resolution to appoint the first auditors of the company and opening of corporate bank account shall be passed. After issuance of Certificate of Incorporation, the promoters can initiate the process of bank account opening and remittance of share application money in Company's bank account. To open a corporate bank account in India, the Directors of the Company will have to be physically present to sign the bank account opening documents as this is general practice adopted by banks.Since the Narendra Modi government came into power in 2014, many initiatives to promote the business climate of the country has been taken by the Government. India's incorporation process is effectively fast and simple and a company can be incorporated in 2-3 business days only.We at Pratham Legal can help you incorporate your wholly owned subsidiary in India. To get in touch with me, please write me at prashant@prathamlegal.comor call me at +91 9821008011. To know more about Pratham Legal, our India entry practices, please visit https://prathamlegal.com/our-pra...
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Can anyone give information about the Airforce group'y examination, especially negative marking and merit marks?
Indian Air Force Group Y ExamINDIAN AIR FORCE INVITES ONLINE APPLICATIONS FROM UNMARRIED MALE (INDIAN/NEPALEES) CANDIDATES FOR SELECTION TEST FOR INTAKE 01/2019 ON 10 & 11 MARCH 2018 TO JOIN AS AIRMEN IN GROUP X TRADES (EXCEPT EDUCATION INSTRUCTOR TRADE) AND GROUP „Y TRADES {EXCEPT AUTOMOBILE TECHNICIAN, GROUND TRAINING INSTRUCTOR, INDIAN AIR FORCE (POLICE), INDIAN AIR FORCE (SECURITY) AND MUSICIAN TRADES}Indian Air Force Group Y Exam 2018 ELIGIBILITY CRITERIA:-Date of Birth Block -(a) Candidate born between 13 January 1998 and 02 January 2002 (both days inclusive) are eligible to apply.(b) In case, a candidate clears all the stages of the Selection Procedure, then the upper age limit as on date of enrolment is 21 years.Educational Qualification -(a) Group X (Except Education Instructor Trade).(i) Passed Intermediate/10+2/ Equivalent examination with Mathematics, Physics and English with minimum 50% marks in aggregate and 50% marks in English.OR(ii) Passed Three years Diploma Course in Engineering in any stream, as mentioned in the drop down menu of apply online section under candidate's login on the CASB web portal http://www.airmenselection.cdac.in. The candidate should have completed the course from a Government recognized Polytechnic institute with 50% marks in aggregate and 50 % marks in English in diploma or in Intermedidate/Marticulation, if English is not subject in Diploma Course.(b) Group Y {Except Automobile Technician, GTI, IAF (P), IAF(S) and Musician} Trades.Passed Intermediate / 10+2 / Equivalent Examination in any stream/subjects approved by Central / State Education Boards with minimum 50% marks in aggregate and 50% marks in English.(c) Group Y Medical Assistant Trade Only.Passed 10+2/Intermediate/ equivalent exam with Physics, Chemistry, Biology and English with a minimum of 50% marks in aggregate and 50% marks in English.Note–1: Candidate eligible for Group X examination are also eligible for Group Y and would be given an option of appearing in both group X and Group Y exam in one sitting while filling up the online registration form.Note - 2: Diploma holders are eligible to appear for Group X trades only.Note - 3: Education Boards listed in Council of Boards for School Education (COBSE) website as members, as on date of registration will only be permitted.Note - 4: Exact aggregate Percentage of marks before decimal as written in the marks sheet of 10+2/ Intermediate/Equivalent Examination/Three years Diploma Course OR calculated as per the rules of concerned Education Board/Polytechnic Institute will only be considered (For example 49.99% should be taken as 49% and not to be rounded off to 50%).Mandatory Medical Standards:-(a) General Medical Standards for both Group ‘X’ (Except Education Instructor Trade) and Group ‘Y’ {Except Automobile Technician, GTI, IAF (P), IAF(S) and Musician} Trades are as follows: -(i) Height: Minimum acceptable height is 152.5 cms.(ii) Chest: Minimum range of expansion: 5 cm(iii) Weight: Proportionate to height and age. However, minimum weight of 55 Kg required for Operations Assistant (ATS) Trade only.(iv) Corneal Surgery (PRK/LASIK) is not acceptable. (v) Hearing: Candidate should have normal hearing i.e. able to hear forced whisper from a distance of 6 meters with each ear separately.(vi) Dental: Should have healthy gums, good set of teeth and minimum 14 dental points.(vii) Health: Candidate should be free from medical or surgical deformity. He should be free from all communicable diseases and skin ailments. Candidate must be physically and mentally FIT to perform duty in any part of the world, in any climate and terrain.(viii) Body Tattoo: Permanent body tattoos are not permitted, however tattoos only on inner face of the fore arms (inside of elbow to the wrist), back (dorsal) part of the hand/reverse side of palm and Tribals with tattoos which are as per custom and traditions of their tribes may be considered. However, right to decide on acceptability/ unacceptability of the individual rests with the Selection Centre. Candidates with permanent body tattoos are to submit two photographs (close up and distant view) with details of size and type of the Tattoo.(b) Details of medical standards for various Groups/Trades are available on CASB web portal http://www.airmenselection.cdac.inIndian Air Force Group Y Exam Registration / Application FormIndian Air Force Group Y Exam 2018 Application Form / Registration:-Apply online at website:- http://www.airmenselection.cdac.in or http://www.careerindianairforce.... 15 DECEMBER 2017 to 12 JANUARY 2018.Following Certificates are to be uploaded as the case may be:-(a) Class 10/matriculation passing certificate.(b) Intermediate/10+2 or equivalent marksheet/marksheets (if applying on the basis of 12th/ intermediate or equivalent educational qualifications).(c) 3 Yrs Engineering Diploma Final Year Marksheet (if applying on the basis of 3 Yrs Engineering Diploma from a Govt. recognised polytechnic in prescribed stream.(d) Passport size colour photograph of size 10 KB to 50 KB (front portrait in light background without head gear except for Sikhs) recent (taken not before November 2017). The photograph is to be taken with candidate holding a black slate in front of his chest with his Name and Date of Photograph taken, clearly written on it with white chalk in capital letters.(e) Candidate’s left hand thumb impression image (Size 10 KB to 50 KB).(f) Candidate’s signature image (Size 10 KB to 50 KB).(g) Candidate’s parents (Father/Mother/Guardian) signature image (if candidate is below 18 years on the date of filling the online application.(h) The marksheet indicating marks in English subject (if applying on the basis of 3 Yrs Engineering Diploma qualification) in diploma or 12th/10th if English is not a subject in diploma.Examination Fee : Examination fee of Rs.250/-is to be paid by the candidate while registering for the online examination. The payment can be made by using Debit Cards/ Credit Cards/Internet Banking through payment gateway. The examination fee can also be paid by Challan payment at any Axis Bank Branch.Candidate must have his valid E-mail ID and Mobile No. for successful online registration.Candidate should preferably have his Aadhaar Card Number handy.Indian Air Force Group Y Exam Exam DatesIndian Air Force Group Y Exam 2018 Date:-Selection test on 10 & 11 MARCH 2018 to join as Airmen in Group X Trades (except Education Instructor Trade) and Group Y {Except Automobile Technician, GTI, IAF (P), IAF(S) and Musician} Trades..Indian Air Force Group Y Exam SyllabusIAF Group Y Exam 2018 Syllabus:-ENGLISHI. ComprehensionA small passage followed by questions.1. To judge comprehension2. Drawing of inferences3. Use of vocabularyII Composition1. Agreement of subject with verb2. Pattern of verb and their use.3. Sequence of tenses.4. Transformation of sequences-Compound, Complex, Simple, Negative, Affirmative.III Grammar1. Spellings2. Word formation3. Antonyms and Synonyms4. One word substitution5. Correct usage of articles6. Correct usage of Prepositions7. Correct usage of adjectives-degrees of comparison8. Correct usage of conjunctions9. Correct usage of Nouns and Pronouns10. Correct usage of numbers (Singular-Plural)11. Words, which are commonly getting confused12. Word order13. Correct usage of AdverbsIV. Idioms and Phrases1. Use of simple idioms2. Use of Common proverbsV. Direct / Indirect sentences : Narration change1. Change of various types of sentences from direct to indirect form2. Change of various types of sentences from indirect to direct formVI. Active and Passive Voices1. Change of all types of sentences from active topassive form2. Change of all types of sentences from passive to active formREASONING AND GENERAL AWARENESS (RGA)(A) Reasoning (Verbal and Non-Verbal)1. Numerical Series2. Distance and Direction Sense Test3. Mathematical Operations (Assigning Value to Arithmetic Sign)4. Number Ranking & Time Sequence Test5. Assign Artificial Values to Mathematical Digit6. Inserting Correct Mathematical Digit7. Human Relation8. Coding and Decoding9. Odd Man Out10. Mutual Relation Problem11. Tallest Youngest Relation12. Dictionary Words13. Analogy14. Non Verbal Reasoning15. Number Coding16. Number Puzzle(B) Mathematics17. Ratio and proportion18. Average19. LCM, HCF20. Profit and Loss21. Time, Distance and Speed22. Percentage23. Simplification of Numbers24. Fraction25. Area of Triangle, Square and Rectangle26. Surface area and Volume of Cuboid, Cylinder, Cone and Sphere27. Probability28. Simple Trigonometry(C) GK and CA29. General Science30. Civics31. Geography32. Current Events33. History34. Basic Computer OperationPaper PatternIndian Air Force Group Y Exam 2018 Paper Pattern:-Phase – IEligible candidates will be sent Provisional Admit Cards for phase - I of testing on their respective e-mail IDs during the month of February 2018 (which they will download & take colour printout & will carry the same to the examination centre on the day of online test as indicated on their respective Admit Cards) to appear in the Selection Test at the examination centres allotted to them. This provisional admit card can also be downloaded by the candidate under candidates login on CASB web portal http://www.airmenselection.cdac.in. All candidates in possession of provisional admit card will undertake Online Test as per their respective Group applied for, at Centres designated/allotted as per their admit card. Online test will be objective type and questions will be bilingual (English & Hindi) except for English paper. Online test for candidates opting for both Group X&Y shall be conducted in one sitting, on the same system. Candidates are to bring one blue/black pen and original valid ID proof along with them forPhase - I testing. A demonstration video on the conduct of online test is uploaded on the CASB web portal http://www.airmenselection.cdac.in.Details of the Test are as follows: -(a) Group ‘X’ Trades. Duration of the Online test will be 60 minutes and will comprise of English, Physics and Mathematics as per 10+2 CBSE syllabus.(b) Group ‘Y’ {Except Automobile Technician, GTI, IAF (P), IAF(S) and Musician} Trades. Duration of the Online test will be 45 minutes and will comprise of English as per 10+2 CBSE syllabus and Reasoning & General Awareness (RAGA).(c) Both Group ‘X&Y’ Trades. Duration of the Online test will be 85 minutes and will comprise of English, Physics, and Mathematics as per 10+2 CBSE syllabus and Reasoning & General Awareness (RAGA).CANDIDATES ARE TO QUALIFY IN EACH PAPER SEPARATELY IN THEIR RESPECTIVE GROUPS. The result of Phase-I will be uploaded on http://www.airmenselection.cdac.in within 15 days from the date of online exams.Phase – IISoon after the declaration of the result of Phase-I test, all candidates shortlisted for Phase II will be sent a new admit card on their registered e-mail ID for phase - II test at an Airmen Selection Centre. This admit card for phase – II exam can also be downloaded online under candidate’s login on CASB web portal http://www.airmenselection.cdac.in . Candidates have to report at the stipulated date and time for phase – II at the designated Airmen Selection Centre along with following documents:-(a) Colour print out of Admit Card for phase – II.(b) Colour Print out of duly filled application form downloaded on completion of online registration.(c) HB Pencil, Eraser, Sharpener, Glue stick, Stapler and Black/Blue Ball Point Pen for writing.(d) Ten copies of un-attested recent (which was used for the online application registration) passport size colour photograph.(e) Original and four self-attested photocopies of Matriculation Passing Certificate(required for verification of Candidate’s Name, Father’s Name and his Date of Birth).(f) Original and four self-attested photocopies of Matriculation Marks Sheet (only applicable for three years Diploma Course holders when English is not a subject in Diploma Course).(g) Original and four self-attested photocopies of Intermediate/10+2/ Equivalent ExaminationPassing Certificate and Marks Sheet.OROriginal and four self-attested photocopies of Three years Diploma Course Passing Certificate and Marks Sheets of all semesters.(h) Certificate for SOAFP (Son of Air Force Personnel), certificate for sons of serving/retired/ deceased Air Force civilian employees paid out of defence estimates are to be downloaded as the case may be, from the download section of CASB web portal and brought along while reporting for phase –II of the examination.(j) For Candidates discharged from Indian Army/Indian Navy/Any other Government Organisation. Original and four Self-attested photocopies of Discharge Certificate (as issued from Indian Army/Indian Navy/Government Organisation).(k) NOC in original and 4 self-attested photocopies from the employer for candidates presently serving in any government organization (if applicable).(l) Original and four self-attested photocopies of NCC ‘A’, ‘B’ or ‘C’ certificate (if applicable).Note: Candidates discharged from Indian Air Force for any reason are not eligible to appear in the Selection Test.Verification of Eligibility - Candidates should be in possession of the documents mentioned at para 16 above, when appearing for the Selection Test which would be scrutinised/ verified prior to commencement of Phase – II to ascertain the eligibility prima-facie. Detailed verification of all the documents listed at para 16 above will be carried out in respect of candidates who pass Adaptability Test - 1. Candidature of those who do not meet the laid down educational criteria will be rejected during Initial verification of original certificates & mark sheets and also during detailed verification at Airmen Selection Centre (ASC).Note-1: For SOAFP, the Name of the ward and his Date of Birth mentioned in the Discharge Book/ Service Certificate must match with the details mentioned in his matriculation passing certificate.Note-2: Under no circumstances the candidates will be permitted to appear in Phase – II of the Selection Test without Original Educational Marks Sheets/Passing Certificates & Documents mentioned above in paragraph 16 (e) to (k). However, candidates with photocopies of Educational Marks Sheets/ Passing Certificates can be permitted to appear in the Selection Test only on production of a certificate from College/School Principal signNowing that Educational Certificates/Marks sheets are deposited with College/School.Note-3: The original Passing Certificates/Marks Sheets will not be retained by the Selection Centre. The same will be returned to the candidates on completion of detailed verification.Note-4: Internet copy of marksheet not acceptable.Physical Fitness Test (PFT) - Candidates who pass Online Test and are shortlisted as per merit which will be displayed on the CASB Web Portal http://www.airmenselection.cdac.in on a stipulated date will be called at designated Airmen Selection Centre for Physical Fitness Test (PFT) which would consist of 1.6 Km run to be completed within 06 minutes and 30 seconds. Candidates will also have to complete 10 push-ups, 10 sit-ups and 20 squats within the stipulated time to qualify in the Physical Fitness Test. Note: Candidates are advised to bring their sports shoes and shorts/Track pants.Adaptability Test-1 (For both Group ‘ X’ & Group ‘Y’ Trades) All candidates who pass the Physical Fitness Test (PFT) will have to undertake Adaptability Test-1 (objective type written test) which is to assess suitability of a candidate for employment in the IAF which involves deployment in varied geographic terrain, weather and operational conditions.Adaptability Test-2 (For both Group ‘ X’ & Group ‘Y’ Trades). All candidates who passAdaptability Test -1 will have to undertake Adaptability Test-2 as per policy in vogue. Adaptability Test-2 is to select candidates who can adapt to the environment of Indian Air Force and are able to adjust to the military way of life.Note: Candidates qualifying for both Group X and Group Y will be allotted the group according to their merit as well as preference given by the candidate at the time of filling up of online application. However, President, CASB reserves the right to allocate Group to a candidate as per vacancies available. Phase - IIIMedical Examination - Candidates who qualify Adaptability Test-2 will be issued with medical appointment letter at respective ASCs. It can also be downloaded under candidates login on CASB web portal http://www.airmenselection.cdac.in for their medical examination at designated Medical Board Centre (MBC) on specified date. Medical Examination will be conducted by Air Force Medical Team as per IAF medical standards and policy in vogue on subject issue. Medical examination would also include Baseline Investigation of:-(a) Blood Haemogram - Hb, TLC, DLC(b) Urine RE/ME(c) Biochemistry(i) Blood Sugar Fasting & PP (ii) Serum Cholesterol(iii) Urea, Uric acid, Creatinine (iv) LFT—Serum Bilurubin, SGOT, SGPT(d) X- Ray chest (PA view)(e) ECG (R)Note. Candidates are advised to get tartar and stains removed from their teeth before appearing for the Medical Examination. Ears should be free of wax. Candidates should be prepared to stay for the medical test for four to five days under their own arrangement. No TA/DA will be admissible. Candidates using corrective glasses must be in possession of prescription from ophthalmologist bearing stamp and registration number and should not be more than one month old. Passing in the medicals is not a guarantee for the employment in Indian Air Force.I hope this will help you…..ALL THE BEST..
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