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Day: April 5, 2024

एप्पल के 600 से ज्यादा कर्मचारियों की चली गई नौकरी, इस कारण हुई छंटनी

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साल 2024 में दुनिया भर में छंटनी की रफ्तार थमने का नाम नहीं ले रही है. इस साल अब तक कई नामी कंपनियां अपने कर्मचारियों को बाहर का रास्ता दिखा चुकी हैं. अब उनमें टेक जगत की दिग्गज और दुनिया की सबसे बड़ी कंपनियों में एक एप्पल का नाम भी जुड़ गया है. एप्पल ने हाल ही में 600 से ज्यादा कर्मचारियों की छंटनी की है.

कंपनी ने खुद से दी जानकारी

ब्लूमबर्ग की एक रिपोर्ट के अनुसार, ताजी छंटनी को एप्पल ने भी कंफर्म कर दिया है. कंपनी ने कैलिफोर्निया एम्पलॉयमेंट डेवलपमेंट डिपार्टमेंट के पास फाइलिंग में इसके बारे में बताया है. फाइलिंग के हवाले से ब्लूमबर्ग की रिपोर्ट में कहा गया है कि एप्पल ने कैलिफोर्निया में 600 से ज्यादा कर्मचारियों की छंटनी की है. कंपनी ने छंटनी का यह निर्णय कार और स्मार्टवॉच डिस्प्ले प्रोजेक्ट को बंद करने के चलते लिया है.

ये भी पढ़ें: आज गुड न्यूज देगा आरबीआई या सस्ते ब्याज के लिए और करना होगा इंतजार?

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Stability and security: the case for women’s property ownership in India

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Home ownership has long been regarded as a symbol of stability and security in societies worldwide. However, in the context of India, owning a home transcends mere property ownership. For women in India, owning a house represents a fundamental shift in power dynamics, socioeconomic status, and personal empowerment. In a largely patriarchal society where gender disparities persist, the act of owning a home emerges as a potent instrument of empowerment for women, both socially and economically.

For an economy to become ‘developed’, higher female participation in the workforce is critical. India has made significant strides in this regard, reflecting changing social norms, economic opportunities, and policy initiatives aimed at promoting gender equality. These efforts have led to increased home ownership among women, providing much-needed social security and economic independence.

What the numbers say: According to the National Family Health Survey, which covered 14 states in India during 2019 to 2021, ownership of land or property among women was higher in rural areas than in urban areas. Of the women respondents surveyed, 38.3% women in urban areas had house or land ownership compared to 45.7% in rural areas. This was in the case of women in the age-group of 15-49 years.

The real estate industry, along with respective state governments and the housing finance sector, offers several benefits for women home-buyers. These benefits include lower interest rates, reductions in stamp duty, and other advantages. Data analysis from various lending institutions indicates that loan default rates among women applicants are lower.

According to a TransUnion Cibil report on women’s participation in India’s retail credit market, the credit quality of women borrowers is higher than that of men —53% of women borrowers, compared to only 47% of men had prime scores (prime score range: 731-790+). Women borrowers have a much lower consumer level 90-day plus delinquency rate of 5.2%, compared to 6.9% for men borrowers, according to the same report.

Consequently, women have higher chances of being approved for property loans, along with additional benefits such as higher loan amounts and more flexible repayment tenures.

Property rights: The economic implications of home ownership for women in India are profound. Historically, women have been marginalized in terms of property rights, often relegated to dependent roles within the household. However, with increasing urbanization, education, and economic participation, women now recognize the importance of property ownership for financial security and independence. Owning a home provides women with a tangible asset that can serve as collateral for loans, enable entrepreneurship ventures, or secure financial stability in times of need. Moreover, property ownership opens doors to rental income, augmenting household earnings and reducing vulnerability to economic shocks.

In India, property ownership is intricately linked to legal rights and entitlements, particularly concerning women’s inheritance rights. Despite legislative reforms like the Hindu Succession Act of 1956 and subsequent amendments, customary practices, and societal norms often hinder women’s access to inherited property.

Advantage of MWP Act: The Married Women’s Property Act, 1874, is a significant legal provision in India that protects married women’s property rights regardless of gender, caste, or religion. It recognizes that married women have the right to own and manage property independently. This is crucial, especially when women contribute financially to the family or inherit property. It ensures that a woman’s property remains separate from her husband’s, allowing her to exercise control over it without dependence on him.

In cases where the husband faces financial difficulties or debt, the act provides financial security  for the wife. Her property remains shielded from creditors seeking to recover the husband’s debts. This protection is essential for maintaining stability and safeguarding the family’s well-being.

In conclusion, the upward trend in women’s home-ownership in India reflects progress toward greater gender equality and women empowerment. By continuing to address barriers and promoting inclusive policies, we can further enhance women’s role in shaping the housing landscape and fostering economic independence.

Kanika Singh is chief risk officer of India Mortgage Guarantee Corporation.

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Android 15 Could Arrive With Redesigned Status Bar Icons, Haptic Feedback for Quick Settings: Report

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Android 15 will arrive with updated status bar icons for the first time in a decade, according to a report. Spotted on the developer previews of Google’s next version of Android, the refreshed design will bring back the segmented design for status bar icons found on earlier versions of Android. Google is also reportedly adding haptic feedback and improved animations for the quick settings menu on Android. Handsets that ship with Android 15 or receive a software update could sport the new design, depending on the smartphone maker.

Android Authority reports that Google has included redesigned status bar icons with the biggest visual change since Android 5 (Lollipop) was introduced in 2014, along with haptic feedback for the quick settings menu buttons. At the time, Google replaced its status bars (featuring a segmented design) with a design that complied with its Material Design guidelines. These icons, have remained nearly the same — with a few minor tweaks — on subsequent versions, including Android 14.

android 15 icons androidauthority android 15

Android 15 could bring back Google’s segmented design from Android 4.4 (KitKat)
Photo Credit: Android Authority

 

After a decade of Android updates with nearly unchanged status bar icons, the next major update will reportedly bring back the segmented design. The publication states that the new interface had to be manually enabled, and are not visible by default on Android 15 DP 2, and it is currently unclear whether Google will enable it by default in the future or provide a toggle to allow users to access the new icons.

A screenshot of the Android 15 status bar shared by the publication reveals a redesigned status bar that closely resembles the mobile network and Wi-Fi icons on Samsung’s One UI 6 skin for Android 14. Each “bar” on both icons is clearly denoted — the last time Google’s own interface included these icons was on Android 4.4 (KitKat), released in 2014.

The battery icon in the status bar has also been updated on Android 15 DP 2 — the vertical icon has been replaced with a horizontal design with support for displaying the battery percentage inside the icon. A charging indicator is also displayed inside the icon, alongside the battery percentage, when the handset is being charged. We will have to wait until Q3 2024 to know whether Google plans on rolling out these UI changes with the stable release.

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Infinix Note 40 Pro+ 5G, Infinix Note 40 Pro 5G India Launch Date Set for April 12



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AMT vs iMT: Which transmission technology should you choose

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By: HT Auto Desk
| Updated on: 04 Apr 2024, 10:14 AM

While both AMT and iMT are mechanically very similar to manual transmission technology compared to other automatic transmission systems, the most appa

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Gear shifter
While both AMT and iMT are mechanically very similar to manual transmission technology compared to other automatic transmission systems, the most apparent difference dividing the two dual-pedal techs is the driver input.

Demand and sales for automatic transmission-equipped passenger vehicles rising fast across the world. The ease of driving, practicality and safety along with the improved reliability of this technology have propelled the growth of automatic transmission. This technology becomes most effective in congested bumper-to-bumper traffic conditions in cities where frequent clutch pressing and gear shifting make driving a manual car stressful for a driver.

In the automotive market, there are various types of automatic transmission technologies available, which include the AMT, iMT, CVT, DCT etc. In the Indian market, AMT has become immensely popular owing to various factors. These include ease of driving, availability of manual shifting when required, affordability, and almost the same or even better fuel economy compared to manual transmissions. In recent times, iMT too is finding an increasing footprint.

Also Read : Maruti Suzuki Ignis to Hyundai Exter: Top 5 automatic cars under ₹10 lakh

While both AMT and iMT are mechanically very similar to manual transmission technology compared to other automatic transmission systems, the most apparent difference dividing the two dual-pedal techs is the driver input. Despite coming with a similar work principle based on the dual-pedal theory, the AMT and iMT are very different from each other in the way they function.

Here is an explainer elaborating the differences between the AMT and iMT.

Automated Manual Transmission (AMT)

Commonly known as AMT Automated Manual Transmission is a technology that automates manual gear shifting. AMT not only removes the clutch pedal like the iMT but also relieves the driver of the responsibility of shifting gears himself or herself. Overall, the AMT is meant to reduce the driver input to a bare minimum. AMT comes equipped with a host of sensors, actuators and other mechanical components that get instruction from the ECU of the car, which comes pre-programmed. In this technology, the only interaction between the system and the driver happens through the accelerator and brake pedal.

Intelligent Manual Transmission (iMT)

The iMT stands for Intelligent Manual Transmission. This system also removes the clutch pedal reducing a major interaction point for the driver. This system comprises an intelligent intention sensor, a hydraulic clutch actuator, and an electronic transmission control unit. These components are put together with a conventional H gearbox which works with the engine. In a nutshell, the iMT comes sans a clutch pedal and uses sensors to use the in-built clutch, while the power of gear shifting remains in the driver’s hand.

AMT vs iMT: Cost

The basic costs of manufacturing iMT and AMT are similar while maintenance costs for AMT are a little more than iMT. This is because the AMT comes with more components than iMT. In the long run, maintenance costs for the iMT are less than for a high-end AMT system.

AMT vs iMT: Fuel economy

AMTs come tuned from the factory to shift gears at the pre-programmed right which ensures consistent fuel economy. On the other hand, iMT is essentially manual gear-shifting technology with an automatic clutch. This on paper, offers better fuel economy than manual cars. However, the fuel efficiency of iMT cars depends largely on driving style and how frequently drivers shift gears at the ideal RPMs.

AMT vs iMT: Driving experience

AMTs offer a smooth and highly convenient driving experience in congested urban traffic conditions, where frequent clutch press and gear shifting are required, but the slight lag in changing gears is one of the common complaints about them. Also, the lag in power delivery during sudden requirements is another complaint about the AMTs.

On the other hand, in the case of iMTs, power is engaged the moment the gear shift is initiated by the driver. This makes smooth power delivery and gear shifting compared to AMTs.

To start driving an AMT car, all you need to do is start the engine and move the gear shifter from N (Neutral) to D (Drive). The AMT will automatically shift the gear from one to the next depending on the speed of the vehicle and the engine RPM. While reversing the car, you just need to shift the gear stick to the R (Reverse) position. In this whole process, no clutch pressing or manual gear shifting is required.

While the similarity of not having a clutch pedal is there in iMT as well, it allows the driver to shift gears, offering greater control of the vehicle. The driver decides when to upshift or downshift.

First Published Date: 04 Apr 2024, 10:14 AM IST

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Income Tax Department Says 23000 Income Tax Return Filed In 4 Days

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Income Tax Return: एक अप्रैल 2014 से वित्त वर्ष 2023-24 और एसेसमेंट ईयर 2024-25 के लिए इनकम टैक्स रिटर्न भरने की प्रक्रिया की शुरुआत हो गई है. और बीते चार दिनों में 23,000 इनकम टैक्स रिटर्न दाखिल किया जा चुका है. इनकम टैक्स विभाग ने बताया कि वित्त वर्ष 2023-24 के लिए आयकर रिटर्न जमा करने से संबंधित फॉर्म्स ई-फाइलिंग पोर्टल पर उपलब्ध करा दिए गए हैं और बीते चार दिन में करीब 23,000 रिटर्न दाखिल किए जा चुके हैं. 

हाल के वर्षों में पहली बार इनकम टैक्स विभाग ने टैक्सपेयर्स के लिए नए वित्त वर्ष के पहले दिन से ही अपना इनकम टैक्स रिटर्न दाखिल करने के प्रावधान को लागू करते हुए पोर्टल को सक्षम बना दिया है. टैक्स कम्पलॉयंस में सुगमता और टैक्सपेयर्स को निर्बाध करदाता सर्विसेज की दिशा में उठाया गया ये कदम है

आईटीआर फॉर्म 1 (सहज) और आईटीआर फॉर्म 4 (सुगम) बड़ी संख्या में छोटे और मझोले करदाताओं की जरूरतों को पूरा करते हैं. वहीं आईटीआर-2 रेसिडेंशियल प्रॉपर्टी से आय वाले लोगों द्वारा दाखिल किया जाता है. सीबीडीटी ने एक बयान में कहा कि उसने करदाताओं को एसेसमेंट ईयर 2024-25 (वित्त वर्ष 2023-24 के लिए ) के लिए एक अप्रैल, 2024 से अपने आईटीआर को दाखिल करने की सुविधा दी है.

सीबीडीटी ने कहा, आमतौर पर इस्तेमाल किए जाने वाले फॉर्म आईटीआर-1, आईटीआर-2 और आईटीआर-4 करदाताओं के लिए अपना रिटर्न दाखिल करने के लिए एक अप्रैल, 2024 से ई-फाइलिंग पोर्टल पर उपलब्ध हैं. सीबीडीटी ने कहा कि कंपनियां भी एक अप्रैल से आईटीआर-6 के माध्यम से अपने आईटीआर दाखिल कर सकती हैं.  सहज फॉर्म के जरिए 50 लाख रुपये तक की आय वाले टैक्सपेयर्स आईटीआर दाखिल  कर सकता है. यह आय वेतन, एक गृह संपत्ति, ब्याज जैसे आय के अन्य स्रोत (और 5,000 रुपये तक की कृषि आय हो सकती है. 

वहीं सुगम फॉर्म को ऐसे व्यक्तियों, हिंदू अविभाजित परिवारों और फर्मों (एलएलपी को छोड़कर) द्वारा दायर किया जा सकता है जिनकी व्यवसाय और पेशे से कुल आय 50 लाख रुपये तक है. सीबीडीटी ने आईटीआर फॉर्म को पहले ही नोटिफाई कर दिया था. सीबीडीटी ने कहा कि आईटीआर 3, 5 और 7 फॉर्म दाखिल करने की सुविधा भी जल्द टैक्सपेयर्स को उपलब्ध करा दी जाएगी. 

ये भी पढ़ें 

राहुल गांधी के पोर्टफोलियो में इन दिग्गज कंपनियों के स्टॉक्स, इक्विटी-सोना समेत सभी एसेट में लगाया पैसा

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What is the role of ‘lis pendens’ in property transactions?

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I am interested in understanding how the Transfer of Property Act (TOPA) deals with the concept of ‘lis pendens’ and its implications?

  —Name withheld on request

Lis pendens in common parlance means “a pending legal action”. The doctrine of lis pendens finds its place in Section 52 of TOPA which provides that if there is any transfer of any immovable property pending litigation, the same shall not affect the rights of the parties in respect to the immovable property. The outcome of the litigation, passed by a court of competent jurisdiction, in the matter during the pendency of which the transfer had taken place would be binding upon such a purchaser, who has purchased the property during the pending litigation.

 Section 52 of TOPA does not declare a transfer by a party during the pending litigation to the suit as void or illegal, but only makes the purchaser, who has purchased the subject property bound by the decision in the pending litigation. The principle underlying Section 52 of TOPA is that if during the pendency of any suit in a court, in which any right of an immovable property is directly and specifically in question, such property cannot be transferred by any party to the suit to affect the rights of any other party to the suit under any decree that may be made in such suit. If ultimately the title of the pendente lite transferor is upheld regarding the transferred property, the transferee’s title will not be affected.  On the other hand, if the title of the pendente lite transferor is not recognized or accepted by the court, then the transferee shall acquire no rights at all.

What legal checks and due diligence should be carried out before entering into a real estate transaction in India?

 —Name withheld on request

Due diligence in a property transaction means that the purchaser is not buying the property on “as is where is” basis but on a clear and marketable title from the seller. There is no caveat emptor doctrine running against the purchaser, but a duty cast upon the owner of the property to give a clean, clear and marketable title to the property which is free from all and every encumbrances.

  The purchaser can verify the title of the owner from the concerned sub-registrar where the property is situated to check whether the title flow is aligned with the title documents provided for inspection by the seller. Some States in India also provides for encumbrance certificate so that one can understand that any financial institution or any authority has a charge on the property. Verification from the land authorities or local authorities or society records are also few diligence steps to confirm the title of the owner to the property. One may also issue public notice in the newspapers to check any claim from third parties including the financial institutions. Generally, purchasers also inspect and survey the property so as to rule out any the structural defects in the property.

Aradhana Bhansali is partner, Rajani Associates.

(If you have a personal finance query, write to us at mintmoney@livemint.com to get it answered by experts.)

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Published: 04 Apr 2024, 08:51 PM IST

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