PMJDY facility application forms, scheme details, features, news and benefits | Required Documents | Dwonload PDF

                       PMJDY stands out for Pardhan Mantri(Prime Minister) Jan-Dhan Yojna (Plan). This is National Scheme for upbringing the range of financial inclusion throughout in the india. Now you must be wondering about, what the hell financial inclusion is ? Believe me , I am also one of you :p. Being a enthusiastic #GyanSeeker I explored & luckily found that Financial Inclusion is a banking measure/term which is used to identify the reach/access of banking facilities to the people. Banking Facilities/Services includes namely Banking/ Savings & Deposit Accounts , Remittance , Credit, 

Insurance, Pension in a affordable manner.

 In India, the range of financial wasn’t so good. So, our respected Prime Minister Narendra Singh Modi come with this plan & initiated it in a mission mode to rein force the financial inclusion range. Scheme Details / Architecture Under this scheme, A consumer can open an account in any bank branch or Business Correspondent (Bank Mitr) outlet. The best thing about this account is, there is no condition like to deposit some minimum threshold balance say Rs. 500. You can open the account without any initial deposit i.e Zero Balance Account :). However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.

Documents required to open an account under Pradhan Mantri Jan-Dhan Yojana

1. If Aadhaar Card/Aadhaar Number is available then no other documents is required. If address has changed, then a self certification of current address is sufficient. 

2. If Aadhaar Card is not available, then any one of the following Officially Valid Documents (OVD) is required: 

•  Voter ID Card 
•  Driving License 
•  PAN Card 
•  Passport 
•  NREGA Card. 

If these documents also contain your address, it can serve both as Proof of Identity and Address.

3. If a person does not have any of the “officially valid documents” mentioned above, but it is categorized as ‘low risk' by the banks, then he/she can open a bank account by submitting any one of the following documents:

a. Identity Card with applicant's photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks and Public Financial Institutions;

b. Letter issued by a gazette officer, with a duly attested photograph of the person.

Special Benefits under PMJDY Scheme 

a. Interest on deposit. 

b. Accidental insurance cover of Rs.1.00 lac 

c. No minimum balance required.

d. Life insurance cover of Rs.30,000/-

e. Easy Transfer of money across India

f. Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.

g. After satisfactory operation of the account for 6 months, an overdraft facility will be permitted

h. Access to Pension, insurance products.

i. Accidental Insurance Cover, RuPay Debit Card must be used at least once in 45 days.

j. Overdraft facility upto Rs.5000/- is available in only one account per household, preferably lady of the household.

Video Explaining Rupay Debit Card Usage & Over Draft Facility Under PMJDY

Video Explaining  Insurance & Pension Benefits of Accounts opened under PMJDY

Useful References :

Official Website of PMJDY : Click here for PMJDY Official Website

Updated Scheme Details  : Click Here for PMJDY Scheme Details

Application Form in Hindi for opening an account ( PDF ) : Click Here to Download PMJDY Application Form In Hindi

Application Form in English for opening an account ( PDF ) : Click Here to Download PMJDY Application Form in English

National Toll Free Numbers : 1800 11 0001 , 1800 180 1111

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IB ACIO 2015 Answers Key | Solved Questions with PDF Question Paper held on 22/02/2014

Intelligence Bureau (IB) of India conducted exam for the recruitment of ACIO on 22 february 2015. Today we are providing the questions paper with answers for the same.

 

Part 1 : Aptitute, Reasoning and GK                  [100 Marks : 100 Questions]

1. curcuma longa is the scientific name of which spice ?
2. Bones found in the hands and feet as the percentage of total number of bones in the body of an adult human being is nearly equal to ?
3. Europeans are believed to have brought potatoes to india in the 18th century. Which region of the world is believed to be the origin of potato cultivation ?
4. Oymyakon Is generally considered the coldest inhabited area on earth. Which country oymyakon is located in?
5. Which gland in the human body is also known as the third eye ?
6. Leukaemia is a group of cancers that usually begins in the bone marrow and results high numbers of which abnormal cells ?
7. During an earthquake,two places A and B record its intensity on richter scale as 4.0 and 6.0, respectively. In absolute terms, the ratio of intensity of the earthquake at A to that of B is ?
8. On a cold day in January, the temperature at a place fell below the freezing point and was recorded as -40degree centigrade. On Fahrenheit scale, the same temperature would ?
9. Universal gas constant,R, is a property of  ?
10. In which place was the 1st science congress held in January,1914 ?
11. The class of elementary particles, bosons, was named after Satyendra Nath Bose, an Indian Physicist. Who was another Indian Scientist graduated from Presidency College Calcutte as a classmate of Satyendra Nath bose ?
12. To which places Aryabhata, the great  mathematician, went for advanced studies ?
13. The development of the world ,s first practical design for an inter – continental Ballistic Missile, A9/10, was undertaken in Nazi germany during the world war 11. It was intended for use in boming ?
14. Homi Jahangir Bhabha, the father of Indian nuclear programme, was also the fiunding director of which of the following institutes ?
15. Who headed the satellite launch vehicle (SLV) project launched by isro in 1970?
16. Where was Bhaskara, also known as Bhaskaracharya or Bhaskara-11, an Indian mathematician and astronomer, was born?
17. The BrahMos, a short range supersonic cruise missile, is a joint venture between which foreign country and Indian agency?

21. If 12 persons working 12 hours a day dig 12 meters of a tunnel in 12 days, how many men are required to dig additional 04 meters of the tunnel (of the same dimension) given that they work 4 hours a day for 4 days ?
23. Numerator of a fraction is increased by 60%, and at the same time its denominator is decreased by 60%. The new fraction is
35. Mahatma Gandhi travelled to Champaran in Bihar to inspire the peasants to struggle against the oppressive plantation system during the year ?
36. Objective of formation of Swaraj Party within the Congress by CR Das & Motilal Nehru ?
39. A scene of wrestling match in Bombay’s Hanging Gardens was shot by Harishchandra Bhatwdekar and it become India’s first movie. Shot in the year ?
40. Which Famous leader said “we would not have made economic progress, if we had not intervened on very personal matters: how you live, the noise you make, how you spit..” ?
41. First time Printing Press was brought to the India by ?
43. Munshi Premchand’s best known literary work, ‘GODAN’ waspublished in ?
44. The caste-system during early Vedic age prohibit ?
48. Second Buddhist Council held at ?
49. Supreme court of India pronounced the theory of basic structure of the Constitution in ?
50. 52nd amendment to the Constitution of India is most closely related to ?
51. USA’s Republican Party election symbol is similar to Indian Party ?
52. President of India can nominate how many Members to Lok Shaba and Rajya Sabha ?
53. Amendment Act to the Constitution of India, designated Delhi as National Capital Territory (NCT) ?
54. Who was not the member of Drafting Committee for Indian Constitution ?
55. Part IV of Indian Constitution deals with Directive Principles of State Policy. This feature was influenced by a similar feature of ?
56. Schedule of the Indian Constitution deals with Oaths and Affirmations ?
57. Governors of States and constitutional provision to become eligible for the post ?
58. Which special provisions with respect to the States of Maharashtra & Gujrat ?
59. Indian Constitution provides for promotion of International peace and security according to ?
60. Original jurisdiction of the Supreme Court defined by ?
61. NITI means ?
62. The power to promulgate ordinances during recess of Parliament is vested with ?
64. Albert Einstein received the Nobel Prize for Physics in the year 1921 for ?
65. Sir CV Raman received the Nobel Prize for Physics in the year 1930 for ?
66. Indian nationals has been received the Ramon Megsaysay Award for Community Leadership ?
67. Award posthumously presented to Satyajit Ray ?
68. Ist Olympic Medal for India at Helsinki Olympics won in ?>
69. The Gani Coefficient is a measure of  ?
70. Indices considered while calculating Human Development Index (HDI) not include ?
71. For the financial year 2013-14, total tax receipts of the Union Govt came from Income Tax collections ?
72. Estimated growth rate for the fiscal year 2013-14 is around ?
73. As per Census 2011 data, most populated Metro City in India ?
75. Professor Arvind Panagariya was recently appointed as ?
76. Till now, 13 Heads of State have received Nobel Peace Prize. Only one Head of State received it for Literature ?
77. The Radcliffe Line is a boundary demarcation line between ?
78. Oldest mountain range in India ?
79. River which flows from East to West in India is  ?
80. National park located in North-Eastern States, declared UNESCO World Heritage Site ?
81. Suzanna  Arundhati Roy, an Indain author and political activist, was born in ?
82. Yellow Revolution in India refers to growth of ?
83. French Revolution ended in 1790s with the ascent of ?
84. Dr. Bhabendra Nath Saikia, famous novelist and film director of Assam, obtain PhD from University of London in ?
85. In his youth, Adolf Hitler aspired to be a ?
87. Ernesto Che Guevara, the famous Marxist revolutionary of South America, was born in ?
88. French magazine that was banned for mocking the death of former French President Charles de Gaulle is ?
89. Vasant Govarikar, who passed away recently, was a famous personality in the field of ?

 

Download more Questions : Click Here 

 

 This is not Official Answer Key. Official Answer Key is going to publish soon ...

 

Part II : English Language                   [1 Essay : 50 Marks]

Write an essay in English language in only on any one of the following topics is not more than 400 words :

• Right to freedom of expression should be an absolute right. 
• Inclusive Growth: A pipedream. 
• Intelligence is an important aspect of statecraft. 
• "It is often safer to be in chains than to be free"

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For More Previous Papers :  Click Here

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GTalk to retire on Feb 16,2015 | Google IM service Google Talk Facts and Tricks

Google is on shutting down spree, after only 8 months of shutting down of Orkut, Google is going to shut down GTalk, gmail messenger. On February 3rd, 2015, Google sent a system message to users stating,

"Google Talk app for Windows will stop working on Feb 16 2015. It is replaced by the new Hangouts Chrome app."

Now, all users will have to use Hangouts instead of GTalk. Google stated that hangouts is future of GTalk. They want to replace IM service with hangouts, which works only on google chrome.

 

 

History of GTalk

GTalk was released 9 years ago, on August 24, 2005. After rumours on some major newspapers, on August 22, 2005, the subdomain talk.google.com was found to have an active XMPP server. Currently it is available on Android, BlackBerry OS, Linux, Maemo, webOS, Symbian, iOS (third party apps), Windows, Chrome OS, Mac OS X platforms, in all major languages including  English, German, French, Italian, Japanese, Korean, Dutch, Polish, Portuguese, Russian, Turkish, Chinese, Spanish. Google Talk is also the name of the client applications previously offered by Google to use the service. In 2013, Google replaced Google Talk client software offerings with those of Google Hangouts.

The instant messaging service is also known as "gtalk," "gchat," or "gmessage" to its users, although Google does not endorse those names. Google already hinted 2 years back on retirement of GTalk. As of May 2013, Google has announced it is planning to drop support for XMPP in favor of Google+ Hangouts, with some or all interoperability being removed by May 2014.

You May Also Like : What is reCaptcha ?

 

GTalk Facts

• A message is restricted to 32767 characters. 
• Certain smileys are recognized by Google Talk and will be highlighted in blue color.
  :-| :-O :-x :-P :-D ;-) :-( :-) B-) :'( :| :O :x :P :D :) :( :)
• To bold text in a Google Talk conversation, put a * around the word(s). Ex: example: Care for a *date*? –> Care for a date?
•  To italicize text in a Google Talk converstation, put a _ around the word(s). Ex: example: Care for a _date_? –> Care for a date?
• You cannot bold nor italicize more than 100 characters at a time. If you exceed the limit, the desired effect will not take place.
• You can right click on the message notification pop-up window to close it.
• To change the display name on Google Talk, you need to go to Gmail account properties and change it there. 
• In your away message you can add a website URL, and it will be clickable in conversation windows.
• Don’t need to say yes or no when someone wants to add you as a friend; you can simply ignore it, the request will go away. (On the other hand, someone with whom you chat often will automatically turn to be your friend, unless you disable this). The Gmail account ‘user@gmail.com’ can’t be invited as your friend.

 

Google Talk Shortcuts

– CTRL + Mousewheel up/down : Change the font-size in a conversation window.
– CTRL + E : Center align text in a conversation window.
– CTRL + R : Right align text in a conversation window.
– CTRL + : Left align text in a conversation window.
– F 9: Open Gmail compose page to send an email to your friend.
– F11 : Start a call with your friend.
– F12 : End the current call.
– ESC : Close the current conversation window.
– ALT + ESC : Minimize the current window.
– CTRL + SHIFT + L : Switch between points, numbers, letters, capital letters, roman numbers and capital roman numbers.
– TAB : Switch between multiple chat windows.
– CTRL + I : Same as TAB.
– SHIFT + TAB : Same as TAB but in reverse order.
– CTRL + TAB : Same as SHIFT + TAB.

 

A hidden game uncovered in Google Talk

Open the about dialog box right-clicking on the Google Talk icon in the windows taskbar. In the about screen you can see ‘play 23 21 13 16 21 19 . 7 1 13 5′. Each number represents a letter. a=1, b=2, c=3 … When you decrypt this message you get: ‘play wumpus.game’. To play the game, invite wumpus.game@gmail.com as a friend, then type “Play”. You’ll now start a game of Hunt the Wumpus.
NOTE: Currently for some unknow reason the wumpus.game game bot seem to be offline.

 

How To Make Conference Calls

• To have conference calls in Gtalk : Open up a copy of Google Talk on all computers with which you wish to conference. 
• After one copy is opened make a new shortcut for Google Talk but at the end of the target add /nomutex. If you installed it to the default folder then your shortcut should read
  
  “C:\Program Files\Google\Google Talk\googletalk.exe” /nomutex.
  
  
• Open Second instance of the software on every user’s computer.After this start a chain: User 1 should connect on one instance to user 2. User 2 will connect on his second instance to user 3. User 3 will connect using his second instance back to user 1. With this chain everyone is connected to everyone.

Login to multiple Google Talk accounts simultaneously

• Create a shortcut of Google Talk messenger on your desktop or any other preferred location .(To create a shortcut, right click on your Google Talk messenger application select Send To Desktop(create shortcut) ).
•  Right click on the Google Talk messenger icon and select Properties option.
•  Modify target location text “c:\program files\google\google talk\googletalk.exe” /startmenu to
  
  “c:\program files\google\google talk\googletalk.exe” /nomutex
  
• Click Ok and you are done with this .

 

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2 Best Android Apps to download Youtube Videos in Android Phone | www.GyanVatika.com

It is hard to have internet access all the time and what if you want to show your friends a youtube video but unfortunately you don't have internet. Here www.GyanVatika.com brings the solution for you #GyanSeekers. A android app that let you download any youtube videos on your android device easily. The loving thing is they are free of cost :). Here are the apps that provide such facility :-

1. Videoder 

I enlisted this app at first place Because i personally tested this app on my android phone. I just like ease with which it downloads youtube video. You just have to search the desired youtube video just like the way you would search on Youtube itself. But unfortunately as of now this app is not available in Google Play Store. To know more about the application you may visit on their official website www.videoder.com  & here is direct download link for you : Videoder Download Link

Related Post:  You may also like the post  Too Cool Android Tricks

2. TubeMate 

The second available android app option to download youtube videos directly on your android device is TubeMate. However i haven't checked out personally But heared it about a lot.You may direct download the application from TubeMate Official website.
Click here to download it from their official website.

Related Post:  You may also like the post  Run 2 WhatsApp Accounts in the dual sim android phone

Now enjoy as many as youtube videos with your friends , colleagues and loved ones. Don't forget to share. It is always nice to have feedback from you guys. Keep Sharing Keep Caring :) .

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2 Steps to run two whatsapp accounts in dual sim android phone | Working Android Trick

There was a time when we can’t even think of sharing media like photos, audio and video by mobile number only. But whatsapp developer thought out of the box. Whenever out of box things are done impossible things be possible. We don’t even stop here , as the dual sim phones era has come there is a need arose for the dual whatsapp also. Even I have experienced the same & luckily found the solution. So sharing with you gyan seekers. Just follow the given steps to run dual whatsapp account on the dual sim phone with the two easy steps :-

Step 1:              For 1st Whatsapp account , you can install it from the official link from the google play store for android devices only. Now do the registration formalities of app as guided by it. So now half of the job is done as you have now the one whatsapp account in running state. Official Whatsapp Messenger Download Link : Download Whatsapp Messenger

Step 2:                For 2nd Whatsapp account, there is a app called OGWhatsApp which will allow you to register other sim of your dual sim phone just like the way you did for the first sim on official Whatsapp Messenger. To download this android app Download OGWhatsApp . Use the given link only because there are so many fake applications claims to do the same but works only this one. Official Whatsapp Messenger Download Link : Download OGWhatsapp Messenger

Related Post:  You may also like the post  Latest Android Tricks

Enjoy the dual WhatsApp Accounts & Keep Sharing Keep Caring :)

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What is reCAPTCHA ? Captcha vs reCAPTCHA | Downoad Wordpress plugin

Sometimes when you try to sign up on any website, it asks you to enter some meaningless alphabets or alpha-numeric words presented in jumbled manner, this thing is known as captcha. Captcha was introduced in 2000 in order to differentiate between human and robots, so to prevent the hacking and virus attacks on websites. It was used by each and every website in registration forms but it eventually turns out to be a dubious procedure to follow every time during sign-up and its reliability is also not up to the mark. So, recently google came up with more reliable ans easy alternative called reCAPTCHA, based on images.

 

Captcha

Completely Automated Public Turing test to tell Computers and Humans Apart. A CAPTCHA is a type of challenge-response test used in computing to determine whether or not the user is human.

The term was coined in 2000  by Luis von Ahn, Manuel Blum, Nicholas J. Hopper of Carnegie Mellon University and John Langford of IBM. The most common type of CAPTCHA was first invented by Mark D. Lillibridge, Martin Abadi, Krishna Bharat and Andrei Z. Broder. This form of CAPTCHA requires that the user type the letters of a distorted image, sometimes with the addition of an obscured sequence of letters or digits that appears on the screen. Because the test is administered by a computer, in contrast to the standard Turing test that is administered by a human, a CAPTCHA is sometimes described as a reverse Turing test. This term is ambiguous because it could also mean a Turing test in which the participants are both attempting to prove they are the computer.

How it started

This program was started back in 2000 by Carnegie Mellon University of America. This was intended to help protecting internet from virus and hacking. The main function of captcha is to identify between real human user and robot because it was believed that robots cannot write captcha.

 

Limitations of Captcha

• In 2011, some computer scientists successfully made the program named De-captcha, that could read the captcha with 80% success. So, captcha technique was not that much secure as it was intended to be.
• In 2012, in a survey, 90% people said it was problematic to use captcha.
• In 2013, Google itself realised that captcha is not much reliable so they took first step towards the new technique reCAPTCHA.

reCaptcha

reCAPTCHA is a user-dialogue system originally developed by Luis von Ahn, Ben Maurer, Colin McMillen, David Abraham and Manuel Blum at Carnegie Mellon University's main Pittsburgh campus, and acquired by Google in September 2009. Like the CAPTCHA interface, reCAPTCHA asks users to enter words seen in distorted text images onscreen. By presenting two words it both protects websites from bots attempting to access restricted areas and helps digitize the text of books.

reCAPTCHA is a free service to protect your website from spam and abuse. reCAPTCHA uses an advanced risk analysis engine and adaptive CAPTCHAs to keep automated software from engaging in abusive activities on your site. It does this while letting your valid users pass through with ease.

reCAPTCHA offers more than just spam protection. Every time our CAPTCHAs are solved, that human effort helps digitize text, annotate images, and build machine learning datasets. This in turn helps preserve books, improve maps, and solve hard AI problems.

Difference between Captcha and reCAPTCHA

Captcha was based on jumbled words [alphabets] whereas reCAPTCHA is based on images, where one question is asked whether user is robot or not ? Here, user can just tick mark the column and move ahead safely. This is more secure and easy technique to differentiate between human and robot.

 

Download reCapthca Plugin for WordPress : Click Here

 

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