Bank Certification Form

9Good Question>>>This question is good bcz there is a lot of peoples who have suffer from this problem. In bank exams the cut off of English is quite low, yet almost 60% people failed here in English section only, why?, this is a big problem but luckily I have a solution for this problem which break hurdles of your path easily with minimal efforts. So, first take a look of the whole syllabus of English which is asked in banks exams>>>RC, Spot the Error, Fillers, Cloze test, Sentence Arrangement.This is short look of the pattern of asking questions in Bank’s papers. I wood tell you here what should you do to get through this. Here are some important things which you should do for boosting your numbers in English section especially.Problems :1.Grammar : You read this or not, it doesn’t matter in bank exams. Anyone who has a little bit of understanding of english only as a language, can do its questions when it comes in D-day, but the only point is he/she had a general Idea about solving question which varied from person to person. If you’re the aspirant of SSC then you have to know about grammar little bit more but if you’re a aspirant of banking exams then it doesn’t matter more. Anyway, if someone amongst you want to read Grammar then don’t use too many books for Grammar, if you want you can use this book SHINE BOOK but even if you not take this then also its not harm you bcz this book contained some rarest SSC level grammar rules which can also helpful for you in your understanding of the subject a bit more.2. Word Power : It is the key for your success, How?, I would tell you here. Fillers, Cloze test will create almost 99% questions based on word power bcz if you know the importance of any word as well as their meanings then you can use to it in fillers and Cloze test. Honestly 100% questions you can do it only through this even if 40 % question RC will be based on word power. How you built it, I would tell you later.3. 60% RC : It will covered from your understanding. Suppose anyone who had a sufficient knowledge of English can read a passage and knew easily about central Idea which is only 10% of RC but what about the other 50%. Therefore you have to understand this from your own. So, How would you acheive it, I would tell you later.4. ABCDE : You’ve a question in front of you which carry 5 Questions and the funny part is if you solved it only once then you can score 5 marks easily may be in 2 minutes but there are two main problems which hardly thinks by anyone, which is Understanding and Reading speed. If you reading with speed, you hardly understand the topic and vice versa.Solution :Read a English newspaper daily. This is the panacea for you, How?, I would tell you here and all we talked about the role of Newspaper in many areas in English sections.If you read a newspaper your reading speed will grow. After reading it regularly your understanding power will grow. If you found some words new for you and if you google it then your word power also grow. In a nutshell, your overall knowledge will grow. Now the question is how someone read a newspaper who has never read it before for a competitive purpose, Don’t worry I would tell also this to you here.Whenever you reading a newspaper, first read the content of any article and then translare it in your own language as it is. For Example : If you belong to Orissa then first read it in English and then translate it in Odia, similarly, hindi, urdu or any other language you prefer. don’t think about the time, select only one article and finish it patiently by taking time. Read only one paragraph in a day but finsh it like that if someone ask anything about you from that article may be in moulded form, you can answered about it effectively, bcz if you read like that you can solve Rc, Cloze test, Filler & sentence arrangement in 100% while in the case of spot error only 60% in which you can understand the error through your understanding part.Smart study : The articles or pages you choose from a newspaper choose it by filtering other news other than Financial awareness or business part because the article or topic you are reading may be comes in your mains.If you do this whatever I would tell you here then you can first got improvement in yourself about reading things as well as word power. By this you can start to linking words in sentences which will help you in spot errors and filler sections and after linking sentences you can actually improve your sentence arrangement areas. If you can understand it whatever I say here and you used to it the I bet you, your english will be improved after giving some if your time.Tips 1. Don’t afraid of English, treat it just like anyother language.Tips 2. Attempt all questions of English in prelims as well as mains bcz here you easily score more with a good knowledge of wordpower.If you still wants to clear some queries then ask it on my fb or insta profile. I’ll promise you to answered your querry within first 24 hours, I have already solved 100+ people queries related to various competitive exams like UPSC/SSC & of courses of Bank exams as well through fb & instagram, whenever they ask.Best of luck…!!!

Not required, as OBC do not get reservation benefits in promotion.

As per the tentative schedule published on the official website, Indian Banking Personnel Selection (IBPS) will conduct the preliminary exam for recruitment of probationary officers (PO) in the month of October.This leaves roughly six months for banking job aspirants to prepare for the exam. While it's not necessary that you begin preparation for IBPS PO exactly six months prior to the exam but it will definitely give you ample to go over all the topics and revise. In this article we will discuss the strategy aspirants should adopt right now in order to ensure a good score in the IBPS PO preliminary and main exam.IBPS PO Preliminary and Main combined, there are total five sections in the IBPS PO exam - English Comprehension, Quantitative Aptitude, Reasoning, Banking Awareness and General Knowledge, and Computer Awareness. Six months are fairly enough to be completely prepared for both Preliminary and Main exam.1st and 2nd monthMake a section-wise list of all the topics from which questions may be asked. Start with the ones you find the toughest or have never heard of before. Devote one hour on each section. In case of Banking Awareness and GK, and Computer Awareness, half an hour a day is enough. Refer only school textbooks and normal exercise books to learn the fundamental concepts.3rd and 4th monthBy now you would have gone through every topic on your list. Now you need to begin focused preparation. Buy a preparation book for bank exams and start solving questions topic-wise. Again an hour a day should be enough. You should follow preparation books because the questions asked in the exam are a tad bit different than the ones which are mentioned in school textbooks. Also focus on learning shortcut tricks for solving lengthy problems.5th and 6th monthIn the last two months, I suggest you sign up for online speed test and solve at least one paper in a day. Don't just solve preliminary speed test but also speed tests designed for Main exam. Solving speed tests would help you identify your problem areas and you can work on them. Speed tests would also get in the gear for online exam and benefit you on the exam day.This schedule (even with a little variation) would allow you to cover every topic including revision and give you an edge over other candidates appearing in the exam.Books for Banking ExamFor IBPS PO i am giving you a small sum of books that will help you for upcoming exams.QUANT:Paramount By Neetu singh (both vol 1 and vol 2).DI: Arhihant + BSC magazine problem.Reasoning:Buy arhihant publication book for general practice.BSC Publication Magazine problems for practice.For Puzzle- Magical Book on PUZZLES by K Kundan.ENGLISH:Reading Reading and Reading, no book will help you unless you start reading and make summary that will help in descriptiveVocab building and revise them regularly.Hindu paper/Indian express/TOINote: No need of book for english. News paper enough.General Awareness:Bankers Adda/Gk today daily affairs don’t read them write them in your daily notes.For quick reading leadthecompetition.comFor quiz App: Daily GKIf you are done with these above three areas, you are done with GA. No need to go for GK tornedo, Capsule, Injection, Golden points etc. ☺BANKING:RBI FAQ ( Frequently Asked Questions)Dhankar publication book for general banking.Make notes from History of banking, years of establishment, Acts, Nationalization, recent developments, committees.Previous exam questions of banking.COMPUTER:Lucent + Arhihant book read them twice will take 15 days to read both twice.Mock Tests:Start with Bankersadda and then after getting proper level join Practice mock and Oliveboard.TIPS:Join Facebook groups to understand pattern and competitionPractice as much as mock u can don’t wait for syllabus to complete.Keep cut off,Types of questions in mind.Don’t Mug up things understanding things well that will help you in life.Don’t compare ever, stay positive, confident, happy.Dont go for bulk materials, books follow the above things these are quite enough to crack u dont need to do phd in quanta/reso. We are here to crack exam. Thats all

The filing of Income Tax returns is a mandatory duty along with the payment of Income Tax to the Government of India . As the season closes by (last date of filing return - 5th August for 2014), many new tax-payers are in qualms as to how to go with the procedure as well as do away with the seemingly complicated mechanism behind it .Following are some of the pointers , which I acquired through self-learning (all are written considering the tax procedures for an Individual, and not Companies or other organizations).  Here goes  :1) Firstly , it is important to understand that Income Tax return is a document which is filed by you stating your Total Income in a Financial Year through various sources of income i.e Salary , business, house property, etc . (Financial Year is the year of your income , and Assessment Year is the year next to it in which the tax is due . Eg - Financial Year 2013-14, Assessment Year 2014-15)It also states the Taxable income on that salary and the Total tax payable with surcharges and Education Cess . The Taxable income has an exemption of upto 2 lakh rupees(For an individual, and not a senior citizen) for this assessment year , and 2.5 lakhs for the next (As per the new budget) . You also get tax exemptions on various other investments/allowances such as HRA , Fixed Deposits , Insurance Policies , Provident Funds , Children's Education , etc under various clauses of Section 80.People should know that return is filed to intimate the Government of your tax statements and it should not be confused with the Tax-refund one gets if there is a surplus tax paid by you to the Government . Return is not Refund .2) Government of India collects Income Tax through three modes :a) TDS - Tax Deduction at Source . TDS is the system in which any corporation/business as an Employer is supposed to deduct the Income tax of an Employee from his/her salary at source and submit it to the GOI before the end of Financial Year . The tax is deducted regularly from the employee's salary in certain percentage so as to overcome the liability of Total Tax to be paid by the employer for the Financial Year.The Employer issues a TDS Certificate in the form of Form 16 or Form 16A to the Employee which would be used to claim the TDS by the employee while filing his/her return . Form 16 is the certificate issued for the tax deducted under the head Salaries . Form 16A is issued for tax deducted for income through other sources such as interests on securities,dividends,winnings,etc.If the employee has some extra income through other sources , he/she should intimate the Employer about it before so as to include it for TDS . The total tax paid by you through TDS is also available online on the TRACES portal which is linked to your Bank Account and PAN No. for your convenience . You can also generate and validate your Form 16 / 16A from the website to file your return online .b) Advance Tax and Self Assessment Tax .Advance Tax may also be called 'Pay as you earn' Tax . In India one has to estimate his income during the financial year.If your projected tax liability of the current Financial year is more than Rs 10000, you are supposed to pay Advance tax !This has to be paid in three instalments. 30 % by 15th Sept,60% minus first instalment by 15th Dec and 100% minus 2nd instalment by 15th March.For individuals who are earning only through salaries , the Advance Tax is taken care of through TDS by the employers and there is hardly any Advance Tax to be paid . But for individuals who have other sources of income , they have to pay Advance Tax .If one forgets to pay he is liable to pay interest @ 1% p.m.Self-Assessment Tax - While filing your Return of Income, one does a computation of income and taxes to be filled in the Return. On computation, sometimes it is noted that the Taxes paid either as Advance Tax or by way of TDS fall short of the Actual Tax Payable . The shortfall so determined is called the Self Assessment Tax which is payable before filing the Return of Income. c) TCS - Tax Collection at Source .Tax Collected at Source (TCS) is income tax collected by a Seller from a Payer on sale of certain items. The seller has to collect tax at specified rates from the payer who has purchased these items :    Alcoholic liquor for human consumption    Tendu leaves    Timber obtained under a forest lease    Timber obtained by any mode other than under a forest lease    Any other forest produce not being timber or tendu leaves    Scrap    Minerals being coal or lignite or iron ore    Scrap BatteriesSalaried Individuals are not concerned with TCS .3) Online Procedure for Filing your Return , Payment of Tax , and viewing/generating your TDS certificate .  a) Filing Income Tax Return :The procedure is as simple as it gets . You have to go to the E-filing homepage of the GOI , i.e https://incometaxindiaefiling.go... and login to your account . If you don't have an account yet , you can create it through the 'Register Yourself' link above it . All you need is a PAN No. (obviously) . After logging in , you have to go to the E-file tab and select the 'Prepare and Submit online ITR' option . Alternatively , you can select the 'Upload Return' option to upload your return through an XML file downloaded from the 'Downloads' tab and filled offline by you .You have to enter your PAN No, select ITR Form name 'ITR1' (Form ITR1 is for salaried individuals, income from house property and other income) , select Assessment year and submit .Now all you have to do is fill the form with the tabs Personal Information , Income Details , Tax Details , Tax Paid and Verification and 80G to complete your Return and submit it to the Income Tax Department .The 'Income Details' tab asks for your Total Income through various sources , and Tax exemptions claimed by you under various clauses of Section 80 . It also computes the Income tax liability of yours for that Financial Year . The 'Tax details' tab asks for the TAN (Tax Deduction Account Number) and Details of Form 16/16A issued by the employer/generated by you for TDS . It also asks for Advance Tax / Self Assessment Tax, if paid and the Challan no. of the payment receipt .The 'Tax Paid and Verification' Tab asks for your Bank Account Number and IFSC code . If there is a surplus tax paid by you in the form of TDS/Advance Tax , you will get its refund with interest in a 4 months period by the Income Tax Department . After submitting the Return , you get a link on your registered E-mail id . This link provides you the ITR-V document (an acknowledgement slip) which you have to download , print , put your signature , and send it to the Bangalore division of the Income Tax Department for completion of your Return Filing . The address is mentioned in the document . Alternatively , you can evade the ITR-V process and opt to digitally sign in the beginning of E-filing , but the process requires you to spend money and is to be renewed every year .b) Payment of Tax - You can pay the TDS (Not required for an individual, it is to be paid by the employer) , Advance Tax or Self Assessment Tax through the portal of Tax Information Network , i.e e-TAX Payment System After filling the required form (ITNS 280 for Income Tax) , you pay the tax through your Bank Account , and get a Challan receipt which will be used during filing your return .c) View/ Generate TDS Certificate online .You can do it by logging on to the TRACES portal of the Tax Deduction System , i.e , Page on tdscpc.gov.in You will have to register yourself before logging in through your PAN no.You can view the details of your TDS deducted by the Employer via From 26AS on the portal .Also , you can generate your TDS Certificate in the form of Form 16/16A by entering the TAN No. of your Employer .

#VPD #UNIASSIST #VorprüfungsdokumentationHey peeps, hope u all r doing well n productive. Many of us r preparing fr admissions in Germany fr MS or some other courses,many deadlines are around n some of us r preparing for winter intake 2018. I hv been through the process of applying in universities Uni-assist , n I know process is somewhat confusing for many of us, even for me I was lyk struggling a week to sort out this process in initial stages. So m gonna write everything what u'll b needing to apply through uni assist and what all u will b encountering while in process. So let's get started n ofcourse further queries r welcome. Happy to help1) What is uni-assist?- It's a firm/body which pre-checks all your documents and send it to ur selected universities. A VPD no will b provided to you with the help of which you can apply to universities whose application is through uni assist.2) Overview.- Register on uni-assist.- Fill initial information(there will b several pages regarding ur personal information).- Apply for university/s by selecting Univ name n course, if u don't find course jst select "all subjects" n create an application or applications if u wish to do for more than one universities.3) Uploading documents.- Now u need to upload all the documents in the uploading section only once(except SOP, u should write a separate one for all Univ/courses u apply for) for all the universities. Diff slots r provided fr all the documents.Upload all the documents u have got... - starting from highschool marksheet, passing certificates, college transcript, degree certificate, exp. Letters, LOR (college n work place ), special achievement certificate, passport copy, CV, language certificate, IELTS ,SOP (a separate one fr each course u are applying) ....spare me if I hv left any of the certificate (a list has been provided in the help section so plz do refer it once before applying).Note- Make a check list of documents, do name the documents in proper way, convert docs in pdf form (other formats are given there too) just b known dat u r allowed to upload only 100 mb of files so jst resize docs accordingly.- Uni-assist fee payment- u need to make a bank transfer to the uni assist's bank account( this takes almost 2 days... The bank will ask you to fill a 4 page form for this, account info, and all bank account codes are given on website too, m attaching a screenshot too fr ur convenience) do not forget to carry your passport copy, printout of mail u get after successful application to uni-assist n 1 mote ID proof. ******** Do not forget to provide your applicant no. In Remark box, I repeat do not forget to mention your applicant no in Remark box. (Very very important- if u dnt do this , process might take a week more).4) Select documents to be uploaded in individual application of course (careful while selecting SOP among diff. SOP's)- Forward application - download PDF of application-print it -sign it- put it in A4 envelope with all other officially attested/certified documents. Do keep a list of content in packet fr their convenience. Take a printout of address n addressee(also applicant no.) paste on packet, seal packet n send it to uni-assist through DHL/FedEx atleast 2-3 months before deadline.5) Documents attestation - college/school documents can be attested from school itself, other documents can b easily attested by any of the authorised notary person(He'll take 200-300 INR at Max. fr all ur documents just bargain if he asks for more.6) Sealed documents- please get your academic transcripts and LOR frm cllg and workplace in a sealed envelope with signature n stamp of registrar on both opening sides of envelope and by professor/senior on LOR envelope.(Do take an extra copy without envelope for scanning or jst scan it before sealing...also take several copies of transcripts n LOR in case u need to apply some other universities which requires a direct application).6) Address of uni assist- sometimes the courier services do not accept address which is given on website. So just use " Uni-assist e.V ,Geneststraße 5, 10829 Berlin, Germany" this address (I got some minor problem bby sending it on the address given on website, DHL was unable to locate that address to they asked me to provide any other address, which delayed my process for further 2 more days).7) Check regularly your registered Mail address for your VPD-vorprufungsdokumentation (I was lucky, I got mine within 23 days ).**Now your process doesn't ends here. You need to go to the University website and apply there for your desired course mentioning your VPD no. And other asked information/documents.Queries r welcome

How to Setup a Business in India With Import-Export LicenseChoose your products. The IEC will be granted only for the product category you apply for. You can seek IEC for additional categories, but you will have to pay an additional fee for each category.Decide your company name, if you have not registered a firm as yet. New firms that are planning to do export-import business should consider names ending with Exports (eg: Ramsay Exports).Register your firm, if it’s not already registered.Apply online for IEC – Importer Exporter Code with DGFT, and pay fee of Rs. 250 through electronic money transfer.EDC Registration – Register your export company with nearest port ( Airport and/or Seaport)List of Documents Required for IEC ApplicationThe exact documents required vary slightly based on whether your business is a proprietorship, partnership, LLP or company. Here’s the list of documents required for each one.Proprietorship – Photograph (3×3); PAN card copy; ID proof (passport / voter id / driving license / aadhar card); Address proof (sale deed for self-owned; or rental / lease agreement + electricity bill or telephone bill); Bank certificate (see below) or cancelled cheque with printed name of applicant and bank a/c number.Partnership – Photograph (3×3) of managing partner; PAN card copy of partnership firm; ID proof (passport / voter id / driving license / aadhar card / PAN of managing partner whose signature is on application); Address proof (sale deed for self-owned; or rental / lease agreement + electricity bill or telephone bill); Bank certificate (see below) or cancelled cheque with printed name of applicant firm and bank a/c number.LLP and Company (both public and pvt ltd) – Photograph (3×3) of partner or director who is signing the IEC application form; PAN card copy of applicant LLP or company; ID proof (passport / voter id / driving license / aadhar card / PAN of partner or director whose signature is on application); Certificate of incorporation; Address proof (sale deed for self-owned; or rental / lease agreement + electricity bill or telephone bill); Bank certificate (see below) or cancelled cheque with printed name of applicant firm and bank a/c number.Bank Certificate for IEC Application FormOne very important requirement for IEC application is a bank certificate. This certificate is required only if you cannot provide a cancelled cheque bearing the name of the applicant entity and bank a/c number. In case you do need it, you can ask your bank to give you this certificate. Download and print out this sample format of the bank certificate, and take it to your bank to get it signed and stamped from them.How to Submit Online IEC Application FormThis section will tell you everything you need to know to access, complete and submit an online IEC application form with all the required documents.First, keep digital copies of all the documents mentioned above. Then click on this link to fill up and submit your online IEC application form on the DGFT portal.You will first need to enter a valid PAN number to access the form. Once you do this, you will be prompted to either create a new IEC application, or open an existing one. You can also close an application or check the status of a pending application.Once you signNow the IEC Master document, you will have to fill in a lot of details such as location, bank a/c and PAN details, firm establishment date, etc. At this point, you will be prompted to pay the fee of Rs. 250 through electronic funds transfer from designated bank such as SBI, ICICI, HDFC, etc.Next you will get a screen for ‘upload documents’ where you can select the ones that are applicable to upload a digital copy of each document that your online IEC application for requires.Once your application is complete in all respects, you will get the option to print the complete IEC application form and submit it to the specific DGFT office that covers your business location. Once you hit submit, you will get a final screen which tells you the Ecom Ref. No, along with your company name, the DGFT office to which the application has been submitted for processing.This is all you need to do to complete your online IEC application form and get the 10-digit code from DGFT. Note that processing of IEC applications is supposed to be completed in two working days, which means you can get it in 3 days or a week at most.For any help in these matters,visit Wazzeer - Smart Platform for Legal, Accounting & Compliance services.

Somewhere on that form should be a blank for routing number and account number. Those are available from your check and/or your bank statements. If you can't find them, call the bank and ask or go by their office for help with the form.  As long as those numbers are entered correctly, any error you make in spelling, location or naming should not influence the eventual deposit into your proper account.

Generally, yes as long as you submit a complete list of documents to the nearest Chinese Embassy from where you are based.The basic requirements are:1) Original passport that is valid for at least another 6 months with at least one blank visa page, a photocopy of the passport's information/photo page and emergency contact page;2) Visa Application Form of the People's Republic of China which should be legibly and truthfully filled out. (Must be filled up in capital letters. Do not leave anything blank. Write N/A if the item is not applicable to you);3) 2 colored ID photos which must comply with the required photo specifications; and4) Bank Certificate of Deposit Balance (including the past 6 months bank statement) and the receipt for payment of this certificate.You may also want to submit supporting documents:Supporting documents are those which prove your financial capacity to travel and to stay at the People’s Republic of China and those which show your intent to go back to your country.1) For employees- Income Tax Return Form and Certificate of Employment (detailing the salary and the length of employment)2) For self-employed/digital nomads- BIR-stamped Income Tax Return Form3) For businessmen- Business Registration Certificate4) For students- School ID and Enrollment Form/Receipt5) For those who have obtained a Chinese visa before- Submit a photocopy of the visa, and if the visa is on your old passport, you should also submit the old passportNOTE: Bring other relevant documents proving your economic condition/employment/study such as land/condominium title, car registration, etc., other documents supporting your travel to China, or those explaining the travel purpose (if applicable).See this article for more details: How To Apply For A Chinese Tourist Visa

Booked flight ticket isn’t one of the requirements when applying for a Visitor Visa for Canada but it is highly encouraged to submit one to prove your purpose of travel. You basically need the following documents:1) Valid passport. With a remaining one year validity. Scan the bio-page;2) Duly accomplished Form IMM5257. This is the Application for Visitor Visa Form. Fill it out digitally and truthfully. (This works on Internet Explorer and the latest signNow version);3) Duly accomplished Form 5645. This requires your Family Information which shall also be filled out digitally;4) 2 passport size photos (35mm x 45mm). Must be photographed within the last six months. See complete photo specifications here;5) Proof of income/financial capability. This shall include Bank Certificate/Bank Statement within the last 4 months, Certificate of Employment and Income Tax Return (for employees, self-employed and digital nomads), School Records such as Enrollment Receipt/Certificate (For Students), Business Permits (for business owners), as well as Condominium/Car/Land Titles (if any).6) Affidavit of Support. This only applies if somebody else is paying for your trip. Also, attach his/her proof of financial capability;7) Travel history. Scanned copy of your visas (whether valid or expired) as well as entry/exit stamps. Make sure just to put everything in 1 file; AND8) Purpose of Travel. Your flight and hotel reservations and day-to-day itinerary.Check out this article to know more: How To Apply For A Canadian Tourist Visa

A correspondent bank is a bank in one country that is authorized to provide services for another bank or financial institution in a foreign country. The most common services provided by a correspondent bank are currency exchange, handling business transactions and trade documentation, and money transfers.

What is a foreign correspondent account? A \u201ccorrespondent account\u201d is statutorily defined as \u201can account established to receive deposits from, make payments on behalf of a foreign financial institution, or handle other financial transactions related to such institution.\u201d.

Role of Correspondent Banking. A financial institution that provides services on behalf of another, equal or unequal, financial institution is known as a Correspondent Bank. A correspondent bank can conduct business transactions, accept deposits and gather documents on behalf of the other financial institution.

A correspondent account for a foreign bank is any account to receive deposits from, make payments or other disbursements on behalf of a foreign bank, or handle other financial transactions related to the foreign bank. Special instructions for foreign branches of U.S. banks: A branch or office of a U.S. bank.

The Patriot Act is legislation passed in 2001 to improve the abilities of U.S. law enforcement to detect and deter terrorism. The act's official title is, \u201cUniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism, \u201d or USA-PATRIOT.