Indian largest banking institution SBI has started SMS based complain service. SMS Unhappy is the latest facility launched by the Bank to improve customer service.  The service is available 24 x 7 and you do not need to visit the branch to register your grievance.  All you need to do is to send just one SMS to the Bank.  It is thus paperless and one more Green Initiative of the Bank.

If you are not happy with the services offered by our Bank, just SMS “Unhappy” to 8008202020 and our dedicated “happy executives” will call you and get details regarding from you.  They, together with your branch will resolve the issue to your satisfaction.  The quick resolution of all your banking related troubles will surely bring a smile on your face. Go ahead and try it and have problem solved :)

CIBIL Score for Individual

If  you are looking for Home loan,Car loan or new credit card Check your CIBIL TransUnion Score and Credit Information Report first, as this can make your loan processing faster, smoother and simple

The CIBIL TransUnion Score is a 3 digit numeric summary of your credit history which indicates your financial & credit health. The Score is derived from your credit history as detailed in the Credit Information Report [CIR] and ranges from 300 to 900 points. Your credit score tells the lender how likely you are to pay back loan or credit card dues based on your past repayment behavior. The higher your score, the more the chance of your loan application getting approved!

Did you know, 90% of new loans sanctioned are to individuals with a credit score of 700 and higher!

Your CIBIL CIR is provided to you along with your score, because it is the basis on which your credit score is generated. It's a record of your credit history. i.e past loans or credit cards availed from various loan providers. who are members of CIBIL for more information please go to the Frequently Asked Questions section.

If you want to get your CIBIL score and CIR click here and fill this form and know what is probability of your Loan

CIBIL Company Credit Report (CCR)

A CIBIL Company Credit Report (CCR) can achieve this In today’s day and age, your business needs to be responsive to rapidly evolving market needs. Be it daily working capital, or for any expansion plans, you always need an access to finance.

A CIBIL Company Credit Report (CCR) is a record of your company’s credit history. This report is used by loan providers to make informed lending decisions - quickly and objectively.

Just to make you understand about Loan approval process here is flow chart which will help you to understand better.

Income Tax Rates for financial year 2012-2013 (Assessment year: 2013-14)

Men
Upto Rs. 2,00,000	Nil
Rs. 2,00,001 to Rs. 5,00,000	10%
Rs. 5,00,001 to Rs. 10,00,000	20%
Above Rs. 10,00,000	30%

Women
Upto Rs. 2,00,000	Nil
Rs. 2,00,001 to Rs. 5,00,000	10%
Rs. 5,00,001 to Rs. 10,00,000	20%
Above Rs. 10,00,000	30%

Individual of 60 years or above (Senior Citizens)
Upto Rs. 2,50,000	Nil
Rs. 2,50,001 to Rs. 5,00,000	10%
Rs. 5,00,001 to Rs. 10,00,000	20%
Above Rs. 10,00,000	30%

Individual of 80 years or above (Very Senior Citizens)
Upto Rs. 5,00,000	Nil
Rs. 5,00,001 to Rs. 10,00,000	20%
Above Rs. 10,00,000	30%

 As per budget presented on 28th Feb, 2011, Pranav Mukherjee proposed changes forincome tax rate slabs as per below.Apart from current one lakh investment, additional 20,000 Rs will be non-taxable, if it is invested in long term infrastructure bonds.

 Indian coin that we see in present time has evolve a lot with it own timeline which can be broadly divided in these category 

  1) The Frozen Series 1947-1950 

  2)The Anna Series

            3)The Decimal Series
            4) Naya Paisa Series 1957-1964  
            5)Aluminium Series 1964 on wards

The Frozen Series 1947-1950 
 This represented the currency arrangements during the transition period upto the establishment of the Indian Republic. The Monetary System remained unchanged at One Rupee consisting of 192 pies.

1 Rupee = 16 Annas
1 Anna = 4 Pice
1 Pice = 3 Pies
The Anna Series
This series was introduced on 15^th August, 1950 and represented the first coinage of Republic India. The King's Portrait was replaced by the Lion Capital of the Ashoka Pillar. A corn sheaf replaced the Tiger on the one Rupee coin. In some ways this symbolised a shift in focus to progress and prosperity. Indian motifs were incorporated on other coins. The monetary system was largely retained unchanged with one Rupee consisting of 16 Annas.

Denomination	Metal	Obverse	Reverse
Rupee One	Nickel
Half Rupee	Nickel
Quarter Rupee	Nickel
Two Anna	Cupro-Nickel
One Anna	Cupro-Nickel
Half Anna	Cupro-Nickel
One Pice	Bronze

Now Punjab national bank customer can get account balance from saving account using miss call.Customer can give miss call on  1800 180 2222 or 0120-2490000 from their registered mobile number.Disconnect the call within three rings so as to prevent from connecting to Customer care. Savings account balance will be sent as SMS

The Permanent Account Number under new series is based on following constant permanent parameters of a taxpayer and uses Phonetic Soundex code algorithm to ensure uniqueness :-
 i. Full name of the taxpayer;
 ii. Date of birth / Date of Incorporation;
 iii. Status;

 iv. Gender in case of individuals; and
 v. Father’s name in case of individuals (including in the cases of married ladies)
 These five fields are called core fields, without which PAN can not be allotted


The fourth character of the PAN must be one of the following, depending on the type of assesse:
C — Company
P — Person
H — HUF(Hindu Undivided Family)
F — Firm
A — Association of Persons (AOP)
T — AOP (Trust)
B — Body of Individuals (BOI)
L — Local Authority
J — Artificial Juridical Person
G — Govt

ICICI bank has came with innovative idea to its customer to get their account balance using missed call from register mobile. Customer who has registered their mobile number they can avail this facility.To get the balance all they need to just give a missed call to 022-30256767 from your registered mobile and receive a SMS.

The idea seem very innovative because as of now most of bank charge premium SMS rate for SMS banking which is very much costly from Rs 3 to Rs 5 per query.With this idea ICICI bank has at least managed to reduced SMS call charge to its customer. Hope such facility will be provided by other bank. Try this and post the comment.

When income tax return is e filed without digital signature then  hard copy duly signed ITR-V is required to be send to CPC , Bengluru with in 120 days from uploading the xml file at www.incometaxindiaefiling.gov.in site.
But most of time some people fail to send it in due course of time or there might be some postal delay or missing postal
 ITD is currently working on finding a solution to this issue. CPC has been periodically sending email and more recently SMS reminders to all the email addresses and mobile numbers which are stated in the ITRs, wherever ITRVs have not been received.
The facility will help taxpayers who do not have a digital signature. It will save them from the mandatory requirement of sending a hard copy of the return filed electronically through speed post to the department’s central processing centre in Bangalore.

Acquiring an electronic signature will not involve any cost for the taxpayer, as it will be provided by the department. At present only those having digital signatures acquired through specified vendors by paying the required charges need not send the hard copy of the return to the department after filing electronically.ITD is set to introduce a free of cost and easy to operate electronic signture facility to file income tax return online