IRCTC Nepal Tour: नेपाल अपनी खूबसूरती के लिए भारत ही नहीं बल्कि पूरे विश्व में फेमस है. अगर आप नेपाल घूमने का प्लान बना रहे हैं तो आईआरसीटीसी इसके लिए स्पेशल प्लान लेकर आया है.
इस पैकेज की शुरुआत उत्तर प्रदेश की राजधानी लखनऊ से होगी. इसमें आपको लखनऊ से काठमांडू जाने और आने दोनों के लिए फ्लाइट की टिकट मिलेगी.
इस पैकेज का लुत्फ आप 23 अप्रैल, 21 मई और 25 जून 2024 को उठा सकते हैं. इस पैकेज में सैलानियों को ब्रेकफास्ट, लंच और डिनर तीनों मिल रहा है.
पैकेज का नाम Nepal-Pashupatinath & Manokamna Mandir Darshan है. इस पैकेज में आपको 5 दिन और 4 रात की नेपाल की सैर का मौका मिला है.
इस पैकेज में आपको पशुपतिनाथ मंदिर, मनोकामना मंदिर जैसी कई धार्मिक जगहों के दर्शन का मौका मिलेगा. इसके अलावा पैकेज में आपको पोखरा की सैर का मौका भी मिल रहा है.
पैकेज के लिए आपको ऑक्यूपेंसी के हिसाब से शुल्क देना होगा. सिंगल ऑक्यूपेंसी के लिए आपको प्रति व्यक्ति 53,600 रुपये देना होगा. वहीं डबल ऑक्यूपेंसी पर आपको 45,900 रुपये और ट्रिपल ऑक्यूपेंसी पर 44,600 रुपये प्रति व्यक्ति के हिसाब से शुल्क देना होगा.
I am a non-resident Indian (NRI) living in Germany. I have recently sold an immovable property in India and reinvested the sale proceeds (post tax deducted at source) in another residential property as per instructions of my tax consultant to save tax in India. Though the capital gains will not be taxed in India, I will still have to pay capital gains tax in Germany. Since I invested the sale proceeds in a new property in India already, I find myself short on funds to fulfil my tax obligations in Germany. I am considering seeking a temporary loan from my sibling who resides in India to cover the capital gains tax in Germany. However, what will be the potential tax implications for my sibling?
—Name withheld on request
A resident individual is permitted to provide a rupee loan to any of their siblings in their NRO (non-resident ordinary) account under the LRS (Liberalized Remittance Scheme) framework. However, the loan arrangement is subject to certain conditions such as minimum tenure, end use negative list, mode of repayment, etc. One of the conditions also state that the loan amount cannot be remitted outside India.
Additionally, a resident individual is not permitted to lend to any person outside India in foreign exchange. Therefore, unfortunately you won’t be able to receive loan in any manner from your sibling who is a resident in India.
However, you may accept the funds by way of a gift from your sibling. Your sibling can gift the funds to you in your NRO account in India or in your foreign bank account whichever suits you. Either mode of receipt would come under the LRS framework that will be applicable to your sibling.
Also, the transfer of funds would be subject to TCS (tax collected at source) payment in India for your sibling and such TCS can be claimed by your sibling as a credit towards eventual tax liability.
The transaction would not be subject to tax in India for you since gifting between siblings does not attract tax in India.
Harshal Bhuta is partner at P.R. Bhuta & Co. Chartered Accountants.
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Oppo Reno 11 series will soon get its first artificial intelligence (AI) feature — the AI Eraser. The smartphone maker introduced its native large language model (LLM) AndesGPT in November 2023 to build AI features for its phones in-house. It later introduced a suite of AI features in the Oppo Find X7 series. In February 2024, the company announced that it would start shipping these features to other Oppo smartphones, starting with the Reno 11 series. Finally, the company has begun rolling out the first AI feature globally.
Notably, the AI Eraser feature debuted in the Reno 11 series in China earlier this month but it was not rolled out to the rest of the world. Now, the company has officially confirmed that the feature will be added to all devices globally. The announcement was made by Billy Zhang, President of Overseas Marketing, Sales and Services at Oppo, who said in a post on X (formerly known as Twitter), “We’re so excited to bring the Oppo AI Eraser to overseas users. More and more people are going to experience this highly accessible and cutting-edge tech.”
The AI Eraser is a photo editing tool which can be found within the in-built gallery app. Once a user circles any object in the background, the AI processes and removes it, while restoring the background elements. This can be a useful feature to remove unwanted people or random objects from memorable images. The feature is similar to Google’s Magic Eraser and Samsung’s Object Eraser.
However, this is unlikely to be the only AI feature that is added to the Oppo Reno 11 series, which comprises the vanilla Reno 11 and the Reno 11 Pro. Oppo added multiple AI features to its ColorOS New Year Edition update in China in February 2024. These were added to the Reno 11 lineup as well as the Reno 10 series, Find N3, Find N3 Flip, and several OnePlus models.
Apart from the AI Eraser, other features that were introduced include an AI Call Summary feature where the AI generates a written summary of a call with time stamps after the call is disconnected, an AI image generator, an AI greeting card maker, and more. These features could also be rolled out in the coming months.
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By: HT Auto Desk | Updated on: 09 Apr 2024, 09:00 AM
The man made a reel for social media by doing wheelie on his KTM motorcycle in Rajouri Garden area of west Delhi.
A man was arrested by Delhi Police for performing stunts to make reels on social media from Rajouri Garden in west Delhi. He has been booked and his KTM bike has been seized.
Delhi Police crackdown on social media influencers performing stunts on public roads with cars and two-wheelers continue. In the latest incident, a biker was arrested by Delhi Police from Rajouri Garden in west Delhi after the video of him performing wheelie on a KTM motorcycle went viral on social media. He posted the video on social media platform Instagram saying ‘performing stunts is not a crime’. The person has been booked and his motorcycle has been seized.
The man, identified as 20-year old Krishna Gautam, was seen doing the bike stunt on the Najafgarh Road. The video shows him taking the bike out from a parking lot at a police station. It seems his bike was impounded for traffic violations earlier for doing stunts. Once outside, he performed stunts again saying that performing such stunts on roads is not criminal. However, Delhi Police has booked him under Indian Penal Code (IPC) section 279, which caters to traffic violations like rash driving.
Delhi Police said that the video shared on social media was noticed by the cops on Arpil 4. Several netizens had urged the police to take action against such riders who violate traffic rules to gain popularity on social media. Delhi Police took cognisance of the matter and took action. “In the video, Gautam is seen taking out his bike, which was parked at the Subhash Nagar police post, driving in a reckless manner and performing dangerous stunts, risking the lives of his and others, on the Najafgarh road,” said a police officer.
Delhi Police has confirmed that the KTM motorcycle was earlier seized and kept at the police station. The bike was impounded under section 66 of the Delhi Police Act which empowers the cops to to take temporary charge of vehicles found lying in any public street. “During interrogation, Gautam told police that he wanted to take revenge on police as his motorcycle was seized by them. He made a reel and posted it on social media with the message ‘stunt karna koi crime nahi’ (performing stunts is not a crime),” said a police officer.
Delhi Police has urged all social media influencers to stop violating traffic rules and perform stunts on public roads which put others’ lives at risk. It has shared several messages on social media asking vehicle owners to refrain from syuch acts or face strict action.
Navratri Food in Indian Railways: भारतीय रेलवे में वीआईपी ट्रेनों में सफर के दौरान आपको खाने की कोई दिक्कत नही होती है. हालांकि आज से शुरू हुए नवरात्रि को लेकर अब आईआरसीटीसी ने उन यात्रियों के लिए विशेष सुविधा देने की व्यवस्था की है जो व्रत होने के साथ अपने जरूरी कामों के चलते लंबी दूरी का सफर तय कर रहे हैं.
नवरात्रि के दिनों में अक्सर महिलाए और पुरुष व्रत रखते हैं और ऐसे में एक शहर से दूसरे शहर का सफर करना उन सभी के लिए बड़ा चैलेंजिंग हो जाता है जो व्रत रखते हैं. चूंकि ट्रेन में फास्ट वाला भोजन या व्रत वाला फलाहार मिलना ऐसे पैसेंजर्स के लिए दिक्कत साबित होता है तो इस बार आईआरसीटीसी ने नवरात्रि स्पेशल थाली की व्यवस्था आपने यात्रियों के लिए की है जो विभाग की अनोखी पहल साबित हो रही है.
नवरात्रि में ट्रेन पैसेंजर्स के लिए सात्विक थाली की व्यवस्था
वन्दे भारत, शताब्दी एक्सप्रेस, राजधानी एक्सप्रेस आदि ऐसी वीआईपी ट्रेनें जिसमें बिजनेस क्लास वाले पैसेंजर या वो लोग अक्सर सफर करते हैं जिन्हे काम समय और सुविधाजनक सफर करने की इच्छा होती है. इस बार नवरात्रि भर पैसेंजर्स के लिए सात्विक थाली की व्यवस्था कर रहा है. अगर आप इन ट्रेनों में सफर कर रहे हैं तो ऑनलाइन आप अपने लिए व्रत के या उससे जुड़े खाने की मांग कर सकते हैं. इस के लिए पैसेंजर को ऑनलाइन ऑर्डर करना होगा और सात्विक थाली उनकी सीट पर मुहैया हो जाएगी. बिना लहसुन प्याज का खाना, व्रत के लिए मेवे और ड्राई फूड्स, जैन थाली, फल, जूस, दूध और साफ पीने का पानी ये सभी पैसेंजर को ऑर्डर पर उपलब्ध होगा.
कैसे कर सकते हैं यात्री खाना ऑर्डर
ई-कैटरिंग के जरिए यात्री अपने खाने के लिए आर्डर कर सकते है और डिटेल के लिए अपनी ट्रेन का नाम और पीएसआर नंबर को ऑनलाइन डालें. सफर के दौरान पैसेंजर जिस शहर में चाहेगा सफर के दौरान उसे ये सभी प्रोडक्ट खाने के लिए उसकी सीट पर ही दे दिया जाएगा. इसके लिए यात्री को ऑनलाइन ही पेमेंट करना होगा, वहीं आईआरसीटीसी के सीआरएम अजीत सिंह ने इस जानकारी को साझा किया और बताया कि इससे नवरात्रि में व्रत रहने वाले सभी यात्रियों व्रत में दिक्कत नही होगी और सफर सुगम रहेगा. इस सुविधा को रेलवे ने अपने यात्रियों को ध्यान में रखकर शुरू किया है.
Transferring a personal loan directly to another individual is not feasible. Personal loans are approved based on your creditworthiness, income, and financial history. The lender approves the loan specifically for you. Here’s why transferring a personal loan directly is not possible:
Non-transferable debt: Personal loans are typically non-transferable. The loan agreement you entered into is between you and the lender.
Credit check and income verification: Lenders evaluate the borrower’s creditworthiness and income consistency before loan approval. The new individual would have to undergo a distinct credit check and income verification process to be eligible for a new loan.
However, some banks or NBFCs do offer loan transfer facilities. A loan transfer (also known as a loan assumption) can be possible under specific conditions. Generally, it occurs when the original borrower is unable to meet the repayment obligations. This way, the lender still has an alternative party who can fulfill the debt repayment.
A typical instance of a loan transfer is when the responsibility for repaying a personal loan is shifted entirely to a co-signer or guarantor due to the borrower’s default. If you have a personal loan, a loan transfer might be a solution to alleviate your debt burden, address financial challenges, or obtain more favourable loan terms. However, transferring loans to another party comes with various implications, so it may not always be the best option.
There are alternative options if you’re seeking to assist someone or to get out of a personal loan you can’t manage:
Co-signing a new loan: The other individual can co-sign on a new personal loan. They should possess a good credit history to qualify for a competitive interest rate.
Debt consolidation loan: You can consider a debt consolidation loan to merge your current personal loan and other debts into one loan with a possibly reduced interest rate. This could streamline repayment and potentially increase available cash flow.
Loan settlement: If you’re having difficulty repaying the loan, negotiate a loan settlement with your lender. This could entail paying a lumpsum to resolve the debt for less than the total amount owed. However, settling the loan can negatively impact your credit score.
Selling an asset (if secured loan): If your application for personal loan is backed by collateral such as a car, you may be able to sell the asset and use the funds to settle the loan. This would necessitate approval from the lender and could lead to a shortfall depending on the loan amount and the value of the asset.
Borrowers should be aware that the optimal course of action depends on their circumstances and financial objectives. Consulting with a credit counsellor or financial advisor can assist you in identifying the most appropriate options for your situation.
Frequently Asked Questions (FAQs)
Q. How can I assist a friend in obtaining a personal loan?
You can co-sign a new loan for them if you have a strong credit history. This means you become legally accountable for the repayment if they fail to pay.
Q. When should you consider adding a co-applicant to your personal loan application?
If you have a low credit score, you may also think about applying for a loan with a co-applicant or a guarantor. Applying for a joint loan with your spouse, a close relative, or a friend who has a strong credit score can help leverage their rating for approval. Additionally, with the consent of your guarantor or co-applicant, you will need to provide a few signatures and complete KYC formalities for the loan. Having a co-applicant is likely to improve your chances of loan approval and could even secure you a more competitive interest rate on the personal loan.
Q. How does failing to repay your personal loan impact your relationships?
Failing to repay your personal loan affects your credit scores, adds to your debt load, and makes it challenging to obtain new credit. Consequently, your repayment options become limited, and you may need to depend on financial assistance from friends and family to settle the debt. This can create additional tension in your relationships.
Q. What are the benefits of applying for a personal loan online?
Applying for a personal loan online can save you a significant amount of time and effort since you can do it from the comfort of your own home. Some third-party financial services websites also provide paperless approval, meaning you won’t need to submit any documents to the lender for loan approval. Additionally, the application process is entirely secure.
Q. What is the loan repayment period for personal loans?
Most banks and financial institutions permit borrowers to select a loan repayment period ranging from one to five years, depending on their preference.
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Google is reportedly working on a feature for its Google Search app for Android where it will let users find all the short video content in one place. As per the report, the Google Search app could get a Short Video filter for content from TikTok, Instagram Reels, YouTube Shorts, and others. It is not known if and when the new filter will be released for users globally. Notably, a separate report claimed that the Google app for Android could soon offer the Gemini AI toggle that was seen in iOS recently.
According to a report by PiunikaWeb (via AssembleDebug), the new feature was spotted within the latest Google Search app for Android. The feature adds a new filter labelled Short Video next to the Images filter atop the search result space. This new feature is believed to index and collate all short video content available publicly on various platforms.
The report highlighted that despite spotting the feature, clicking on it did not do anything, and the filter disappeared. This could be due to the feature being an early experiment for Google and not an active feature. However, the tech giant experiments with many features and not all of them make the cut, so it could also be one of those cases.
However, this is not the first time Google has attempted to make short videos more accessible for users. In 2020, a TechCrunch report highlighted that Google was testing a dedicated carousel in Android that would put together all the Short Videos together. The carousel would reportedly appear when the searched keyword was likely to have short videos available. That feature unfortunately was never released by the tech giant.
Currently, searching for short videos on Google requires a user to add the name of the platform after the search keyword, which can be frustrating, especially if the user has to repeat the process for all platforms separately. This new feature, if it makes the cut, would allow users to look up videos on any topic from all platforms by just typing the keyword.
Another Android feature the tech giant is working on is a toggle to switch between Google Search and Gemini AI. Switching the toggle will take the user to the Gemini AI interface where the chatbot can be used to generate content and perform chatbot-specific tasks. It is said that this feature is near completion and should begin rolling out to users globally within the next few weeks.
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By: HT Auto Desk | Updated on: 09 Apr 2024, 06:14 AM
Jaguar Land Rover has reported a 22 per cent increase in retail sales for the fiscal year ending March 31, 2024, reaching 431,733 units. Wholesale vol
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Jaguar Land Rover has reported a 22 per cent increase in retail sales for the fiscal year ending March 31, 2024, reaching 431,733 units. Wholesale volumes also surged by 25 per cent to 401,303 units.
Jaguar Land Rover has reported a 22 per cent increase in retail sales for the fiscal year ending March 31, 2024, reaching 431,733 units. Wholesale volumes also surged by 25 per cent to 401,303 units. (REUTERS)
Jaguar Land Rover, the Tata Motors-owned luxury carmaker, has reported a significant increase in retail sales for the fiscal year ending March 31, 2024. The company recorded a 22 per cent year-on-year growth, with retail sales reaching 431,733 units. Additionally, wholesales rose by 25 per cent to 401,303 units, marking a successful year for the UK-based automaker.
Throughout the fiscal year, JaguarLand Rover witnessed higher wholesale volumes and retail sales across all regions compared to the previous year. In the fourth quarter alone, wholesales stood at 110,190 units, representing a 16 per cent increase from the same period last year. Similarly, retail sales in the January-March quarter reached 114,038 units, marking an 11 per cent growth from the previous fiscal year.
Despite the overall positive trend, retail sales in China and Europe saw a decline of 9 per cent and 2 per cent, respectively, in the fourth quarter compared to the previous year. However, the UK, North America, and the Overseas region experienced significant growth in retail sales, with increases of 32 per cent, 21 per cent, and 16 per cent, respectively.
Jaguar’s electrifying future
The British luxury carmaker had earlier announced its decisive stride towards a future dominated by electric vehicles (EVs). Under this Jaguar will cease production of its Internal Combustion Engine (ICE) models as early as June 2024 and will introduce a new lineup consisting exclusively of Battery Electric Vehicles (BEVs).
The company is set to launch three new models on an all-new platform called the Jaguar Electric Architecture (JEA), with the first model, a four-seat GT, expected to be unveiled later this year and available to buyers in 2025.
This shift towards complete electrification is a bold move by Jaguar and sets it apart from other carmakers that are gradually transitioning over the coming years.
Despite being a minority partner to its SUV-making sibling, Land Rover, Jaguar is taking the lead in embracing electrification. While sales figures have shown a decline in recent years, with Jaguar selling just under 43,000 cars globally in the last fiscal year, the company’s ambitious electrification plans could pave the way for a new era of growth and innovation.
India Real Estate Sector: देश का रियल एस्टेट सेक्टर सबसे ज्यादा रोजगार देने वाले सेक्टर्स में शुमार हो गया है. 2023 कैलेंडर ईयर के खत्म होने पर रियल एस्टेट सेक्टर में मिलने वाले रोजगार की संख्या बढ़कर 7.1 करोड़ हो गया है जो 10 साल पूर्व 2013 में 4 करोड़ था. रियल एस्टेट कंसलटेंट एनारॉक और रियल एस्टेट डेवपलर्स की बॉडी नारडेको ने अपनी रिपोर्ट में कहा कि पिछले 10 वर्षों में रियल एस्टेट सेक्टर ने 3 करोड़ से ज्यादा नई नौकरियां दी है.
सरकार के कदमों से हुआ सेक्टर को फायदा
सोमवार 8 अप्रैल 2024 को एनारॉक-नारेडको ने ‘रियल एस्टेट अनबॉक्स्ड: द मोदी इफेक्ट’ नाम से रिपोर्ट जारी किया है. रिपोर्ट के मुताबिक भारत के रेसिडेंशियल रियल एस्टेट मार्केट को प्रधानमंत्री नरेंद्र मोदी के नेतृत्व वाली सरकार के कई सुधार वाले उठाये गए कदमों में बेहद फायदा हुआ है. इन सुधारों से उद्योग को मजबूत होकर उभरने और नयी ऊंचाइयां छूने में मदद मिली है. रिपोर्ट के मुताबिक, मोदी सरकार के नीतिगत सुधारों से मिले सपोर्ट के चलते रेसिडेंशियल सेक्टर ने शानदार ग्रोथ दर्ज की है जिसके चलते रोजगार के मौके भी तेजी के साथ बढ़े हैं.
18% वर्कफोर्स रियल एस्टेट में
रिपोर्ट में बताया गया कि देश के कुल वर्कफोर्स में रियल एस्टेट सेक्टर की हिस्सेदारी अब 18 फीसदी से ज्यादा हो गई है. रिपोर्ट के मुताबिक रियल एस्टेट के लिहाज से भारत के टॉप सात रेसिडेंशियल मार्केट्स में 2014 और 2023 के बीच कुल 29.32 लाख हाउसिंग यूनिट्स तैयार हुईं जिसमें 28.27 लाख हाउसिंग यूनिट्स की सेल्स देखने को मिली है.
इस रिपोर्ट पर नारेडको के नेशनल प्रेसीडेंट जी हरि बाबू ने कहा कि रियल एस्टेट रेग्यूलेटरी अथॉरिटी यानि रेरा के साथ जीएसटी और प्रधानमंत्री आवास योजना जैसी योजनाओं के जरिये सरकार ने पिछले 10 वर्षों में रियल एस्टेट क्षेत्र को मजबूती प्रदान की है. एनारॉक के चेयरमैन अनुज पुरी ने कहा कि टॉप सात बाजारों – दिल्ली-एनसीआर, मुंबई महानगरीय क्षेत्र (एमएमआर), कोलकाता, चेन्नई, बेंगलुरु, हैदराबाद और पुणे में घरों की मांग के साथ साथ कीमतों में भी भारी बढ़ोतरी देखने को मिली है.
A good CIBIL score, or credit score, is indispensable to procure loans and credit cards at favourable terms. CIBIL is one of the key credit bureaus in India which assesses creditworthiness based on a slew of factors which include payment history, credit utilisation ratio, credit mix, length of credit history and credit inquiries, among others.
For instance, if Mr Ajay pays his bills on time, never crosses 30 percent of his credit card limit, uses a diverse set of credit types, never defaulted on any bill, and has a long credit history – then the chances of a high credit score are exceptionally high.
Conversely, if Mr Tommy often misses on his payments, used 80 percent of his credit card limit, defaulted a number of times on his loan EMIs, then the chances of his low credit score would be high.
These are some of the indicators of a good CIBIL score:
Score range: CIBIL scores usually range from 300 to 900. A score higher than 750 is generally seen to be good.
Payment history: This is the most important factor. Timely payment of credit card bills and loan EMIs shows responsible financial behaviour and impacts the score in a positive way.
Credit utilisation ratio: It’s the ratio of credit used to the total credit available. Keeping this ratio below 30 percent is advisable since it shows responsible credit usage.
Credit mix: A healthy mix of credit types such as credit cards, personal loans, home loans can positively impact the score. It shows the ability to manage different types of credit responsibly.
Credit history: Longer credit histories usually show stability and responsible credit management. However, this is not as significant for those who have recently started using credit.
Number of hard inquiries: A lesser number of hard inquiries can positively impact the score.
Default: No instances of defaulting implies a good credit score provided other factors are positive too.
Credit limits: Higher credit limits and larger loan amounts with responsible repayment can impact the CIBIL score positively, as they show trust from banks.
Frequently Asked Questions:
Why should you check your credit report?
Monitoring your credit score regularly helps you stay informed about your financial standing and any changes that may impact your ability to borrow money or access financial products.
How often should you check your credit score?
Most experts recommend to check the credit score at least once a year.
Can there be mistakes in credit reports?
It is not uncommon to spot mistakes on credit reports. So, regularly checking your credit score allows you to spot any errors, such as inaccuracies in personal information or incorrect reporting of accounts or payments.
Is it an individual decision to check your CIBIL score?
Yes, how frequently you check your credit score depends primarily on your individual financial situation and requirement.
When should you check the CIBIL score more often?
Before applying for a loan, mortgage, or credit card, it’s vital to know your credit score. Lenders use your credit score to determine your creditworthiness and the terms of the credit they offer you.
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