Government Schemes

KSFE Pravasi Chitty is a unique financial savings scheme introduced for the welfare of Malayalees living outside Kerala. It’s many things, under a single scheme. It is a chitty scheme with insurance coverage and pension plan. It has an online portal and a Mobile application that allows you to join chits, pay installments, and take part in chit auction from anywhere, anytime. It also gives NRK’s, an opportunity to partake in the overall infrastructural development of the State. Moreover, the Pravasi Chits also has many features that make it a unique financial saving structure amidst other financial instruments. Benefits of the scheme Expats would be provided insurance cover, which effectively means that the family of the subscriber would receive funds on the demise of the subscriber. Moreover, they will be accorded with pension amounts if investments have been made for the same. Chtties under KSFE are conducted in accordance with the regulations of the Central Chit Fund Act, 1982; and hence are considered safe for transactions. The total of the periodic subscription, called the chitty amount, will be given out as “prize money” to the person who bids by allowing for the maximum reduction in the prize money. The maximum reduction possible is 25% as per the prevailing Chitty Act and if there are more than one subscriber interested in bidding at 25% reduction, the numbers of the such bidders will be put to a draw. Features of KSFE Pravasi Chitty Scheme Provides financcial stability to the non-resident Keralites. Create a culture of savings to contribute and develop  the state’s economic level. Android mobile app for the convenience of NRK’s. Mobile and Internet-based chits. Facility to remit online payments through installments. Online auction by smartphone. Safe, secure and transparent bidding process Integrated chat-bot, e-mail, SMS, social media support 24X7 contact center for grievance redressal Application security tested as per international standards. Coverage of remittances of chitty installments due to death. Eligibility People residing in India cannot apply to this scheme. The scheme is only applicable to the NRK’s residing in foreign country . Currently, the scheme is applicable only to UAE Malayalees. Online Registration procedure Step 1: Visit the official website of KSFE – https://portal.pravasi.ksfe.com/ Step 2: Enter your username and password to log in to the registration page. Step 3: Click on the “Register Now” button. Step 4: The KSFE  ‘Customer Registration Form’ will appear on the screen. Step 5:  Enter your personal details; such as E-Mail Id, Passport Number, ISD code, National Identification Number and NRK ID. Step 6: Click the button ‘NORKA ID,’  and the new tab will open. Generate the new ID by filling up the online form. Step 7: After getting  ‘NORKA ID’, you should click at the ” VERIFY WITH NORKA” button and complete the registration. KSFC Mobile Application To check status, the person can use KSFC mobile app, through which the details of automatic calculations and reports, pending monthly installments; etc can be updated. A person can easily participate in the auction by downloading the KSFC mobile app which is available in the play-store. FAQs How does the KSFE Pravasi Chitty Scheme work? The scheme operates like a traditional chit fund, where a group of individuals (chit subscribers) contribute fixed monthly installments for a specified period. Each month, one subscriber is selected through a transparent bidding process to receive the chit amount, which is the total contribution minus a predetermined commission and dividend. What are the risks associated with the KSFE Pravasi Chitty Scheme? Like any investment, the KSFE Pravasi Chitty Scheme carries certain risks. These may include default by other subscribers, fluctuations in the dividend rate, regulatory changes, and operational risks associated with the chit fund business. 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The Kerala Stamp Act, 1959 is a law that governs the use of stamps in the state of Kerala, India. It specifies the types of instruments that require stamping, the amount of stamp duty payable, and the procedures for stamping instruments. The Act defines an “instrument” as any document that is used to create, transfer, or terminate a legal right or obligation. Some of the common types of instruments that are subject to stamp duty under the Act include: Sale deeds Mortgage deeds Gift deeds Wills Powers of attorney Agreements Promissory notes Bills of exchange Cheques The amount of stamp duty payable on an instrument depends on its nature and value. The Act provides a schedule that lists the different types of instruments and the corresponding stamp duty rates. The Act also specifies the procedures for stamping instruments. Instruments can be stamped at any of the designated government offices, such as the Collector’s office or the Registration office. The stamp duty can be paid in cash or by cheque. The Act also provides for penalties for non-compliance. If an instrument is not stamped, it is inadmissible in evidence and the person who executed the instrument may be liable to a fine. Stamp Duty in Kerala Document Explanation Stamp Duty Acknowledgement of a debt A written acknowledgment of owing a debt. Rupee 1 Administration Bond A bond filed by administrators of an estate. Two rupees fifty paise for every Rs. 100 or part there of the amount or value or secured Adoption Deed Legal document formalizing the adoption of a person. Rs. 50 Affidavit A written statement of facts sworn to be true. Rs. 10 Agreement or Memorandum of an Agreement A contract between parties outlining terms and conditions. Rs. 15 Appointment in Execution of Power Document appointing someone to execute a power. Rs. 75 Appraisement or Valuation Document relating to the appraisal or valuation of property. Rs. 30 Apprenticeship Deed Agreement outlining terms of an apprenticeship. Rs. 10 Articles of Association of a Company Document detailing regulations for a company’s operation. Rs. 1000 Articles of Clerkship Document related to a clerk’s articles of training. Rs. 500 Award Legal decision or judgment by an arbitrator. Rs. 30 + 1.50 for every 1000 Bill of Exchange Written order to pay a certain amount to a specific party. Two rupees fifty paise for every Rs. 100     Bond Agreement with specified financial obligations. Two rupees fifty paise for every Rs. 100 Bottomry Bond Bond related to maritime law, involving ship and cargo. Two rupees fifty paise for every Rs. 100 Cancellation Document cancelling a previous agreement or transaction. Rs. 100 Certificate or Other Document General term for various types of certificates. Rs. 0.50 Charter Party Agreement for hiring a whole or part of a ship. Rs. 5 Composition Deed Agreement settling terms of debt repayment. Rs. 100 Conveyance Transfer of property ownership. Rs. 6 on Every Rs. 100 Conveyance in the nature of part performance Conveyance showing partial transfer. Rs. 8 on Every Rs. 100 Copy or extract Duplicate copy or extract of a document. Rs. 10 Counterpart or duplicate Duplicate or counterpart of an original document. Rs. 15 Customs Bond Bond related to customs duties or taxes. Rs. 5 for every Rs. 100 Divorce Legal dissolution of a marriage. Rs. 10 Certificate of enrolment in the roll of advocates Enrolment as a legal practitioner. Rs. 250 Lease Legal agreement for property use. Explained Here Letter of allotment of shares Letter confirming allocation of shares in a company. Rupee 1 Letter of Credit (Letter of Guarantee) Financial instrument to ensure payment to a third party. Rupee 1 Letter of License Document granting a license for certain actions. Rs. 1 Memorandum of association of a company Legal document outlining company’s constitution. Rs. 1000 Notarial Act Act performed by a notary public, often involving oaths. Rs. 15 Note or Memorandum Written note or memorandum of a transaction. Rs. 0.75 Partnership Deed Agreement outlining terms of partnership. Rs. 100 Dissolution of Partnership Document regarding the dissolution of a partnership. Rs. 100 Power of Attorney Authorization to act on someone’s behalf. Rupee 1 apart from attorney to sell any immovable property Surrender of Lease Document surrendering a lease agreement. Rs. 1 Benefits of eStamp Paper e-stamping is a convenient method Usage of e-stamping eliminates the need of non-judicial stamp papers for document registration All details of stamping can be obtained from a single online portal e-stamping makes the registration process quick e-stamping is tamper-proof Validation is straightforward with e-stamp Generate Kerala eStamp Online Step 1: Visit the official webpage of the Registration Department of Kerala. Step 2: Click on Online Applications option.. Login to the Portal Step 3:  Login into the portal using user name and password. Token Creation Step 4: After login to the portal select new token. Step 5: In this section, select below mentioned details: District Taluk Sub Register Office Transaction Type Sub Transaction Type Book No Step 6: After selecting SRO and transaction type click on submit. Step 7: In the next section, the applicant needs to enter details of presenter and documents. Step 8: Fill claimant details (buyer’s details). The applicant can edit the entered claimant details by clicking on the edit button. Step 9: Provide Executants details (seller’s details). The applicant can edit the details if needed. Step 10: To enter the power of Attorney details, click on Power of Attorney option. Step 11: The applicant needs to enter details regarding the document: Document Amount Original District, Village, Taluk, Local body or SRO The licence number of the document writer Presentation Type Generate e-stamp Step 12: In the mode of e-stamp payment, select the e-stamp option. Step 13: Enter stamp date, date of execution and all other mandatory details. Step 14: Click on save; the fee details will be shown. The applicant can purchase now eStamp. Step 15: After entering all other required details and completing self-verification, submit the application for eStamp generation by clicking on Submit Application for e-Stamp. Fee Payment Step 16: Click on Online payment icon on this screen. Step 17: The fee can be paid

The property mutation process in Punjab, we have to first look into its significance. For instance, why is a mutation certificate required if legal wills and sale deeds are enough to prove transfer or ownership? Most importantly, can a mutation certificate help us avoid title conflicts in the future? In this article, we will answer all your queries while we share an overview of the property mutation process in Punjab. Using technology, Punjab Land Records Society plan strategies and policies offer efficient and effective services related to land and revenue. Established by the Government of Punjab, the society’s main objective is to monitor and oversee the execution of the digitisation and computerisation of land records and documents related to it in Punjab. The society offers services through several common access infrastructure such as Sukhmani Centers. It is a state level body formed primarily to manage land records in Punjab in all aspects and to oversee the policy framework of the Punjab State E-Governance Society (PSEGS). Why do we need property mutation after sale deeds, wills, or registration? a sale deed, will, or registration certificate simply indicates that the property has undergone ownership change. Property mutation is the crucial step that involves updating ownership records with the local municipal authority and state records. It is done to ensure that the new owner’s name is reflected in official records after the completion of a sale deed, will, or registration. Importance of property mutation Legal validation: Property mutation provides legal validity to the transfer of ownership. Tax assessment: It helps in the accurate assessment of property taxes based on the current ownership. Conflict protection: Updating the legal municipality records can protect your property from disputes over title or ownership. Ownership chain: Property mutation also helps in establishing a chain of ownership which is essential for legal or financial purposes. Encumbrance clearance: Lastly, encumbrances missed out during the sale or registration process gets highlighted during mutation, which can be a big help for the current owner. Documents needed for property mutation process in Punjab Property mutation, also known as property transfer, is a crucial process in Punjab that requires specific documents for completion. Here are the essential documents needed for property mutation: Sale deedA Sale Deed is a legal document that proves the transfer of ownership from the seller to the buyer. It includes details of the property, buyer, and seller. Identity proofValid identity proof such as Aadhar Card, PAN Card, or Voter ID of both the buyer and seller is required for verification. Property tax receiptsRecent property tax receipts need to be submitted to ensure that all dues are cleared. Encumbrance certificateAn encumbrance certificate is necessary to verify that the property is free from any legal dues or liabilities. No objection certificateIf the property you’re buying or inheriting falls under a cooperative housing society or similar, an NOC from the society is required Death certificate/signed willThis is applicable in cases of inheritance where a signed will or gift deed can be used to prove voluntary property transfer. In case of the demise of the original owner, a death certificate would be needed. Power of Attorney (POA)In case of inheritances, a POA is required to prove granting of legal succession of assets.Ensuring all these documents are in order will facilitate a smooth property mutation process in Punjab. Step-by-Step guide on property mutation application in Punjab Step 1: Obtain mutation formVisit the local Municipal Corporation office or download the mutation form from the official website. Step 2: Fill Out the formProvide accurate details such as property address, owner’s name, and contact information. Step 3: Attach required documentsInclude documents like sale deed, identity proof, and property tax receipts. Step 4: Submit the formSubmit the filled form along with the documents to the concerned authority at the Municipal Corporation office. Step 5: Payment of mutation feesPay the applicable mutation fees as per the Punjab government guidelines, which is Rs 600 across all property types. Step 6: Verification and approvalThe authorities will verify the details and process the mutation request. Step 7: Receive mutation certificateOnce approved, collect the mutation certificate from the office. Checking property mutation status online in Punjab Visit the official websiteGo to the official Punjab Land Records website and click on Status of transfer after registration. Search by vaseeka or mutation numberIn the next page, fill in the district, tehsil, village, and transfer number and click on Search Review the statusThe website will display the status of your mutation application below. Filing an appeal if property mutation is rejected Reasons for rejection Common reasons for rejection include incorrect documentation, disputes over ownership, or discrepancies in property details.Steps to file an appeal Obtain a copy of the rejection order from the concerned authority. Prepare a detailed appeal stating the reasons for challenging the rejection. Submit the appeal to the Deputy Commissioner along with supporting documents within the specified timeline. Attend the hearing scheduled by the authority and present your case. It is important to note that appeal should be filed within 30 days from the date of rejection. If the appeal doesn’t give favourable results, individuals can further file a suit for declaration of title in the civil court. FAQs How long does the mutation process take in Punjab? The mutation process may take up to a minimum of 15 days or a maximum of 30 days. Any delay beyond this should be reported to the authority. Who is responsible for initiating the mutation process in Punjab? The buyer or the transferee of the land is typically responsible for initiating the mutation process by submitting the required documents to the concerned revenue authority. Practice area’s of B K Goyal & Co LLP Income Tax Return Filing | Income Tax Appeal | Income Tax Notice | GST Registration | GST Return Filing | FSSAI Registration | Company Registration | Company Audit | Company Annual Compliance | Income Tax Audit | Nidhi Company Registration| LLP Registration | Accounting in India | NGO Registration | NGO Audit | ESG | BRSR | Private Security Agency | Udyam Registration | Trademark Registration |

Integrated Land Records Management system (ILRMS) is a portal which helps the Assam Government in maintaining all the land records in the state. The portal also ensures that Revenue Circle, Sub-registrar, Deputy Commissioners’ offices and the Directorate of land Records remain interconnected with each other to allow all the process of transfer and registration of land records are done in a smooth manner. Land mutation, or Namjari, is vital in legal land transactions. It involves transferring ownership rights and updating property details in the revenue record. Importance of Land Mutation Upon succession or transfer of land, proprietors, landholders, mortgagees are obligated to apply for mutation of their name in the ROR (Jamabandi) as the rightful owner. This process, applicable to various ownership types (proprietor, landholder, manager, mortgagee), can be initiated through sale, mortgage, gift, inheritance, or will. However, mutation for annual patta land is restricted to inheritance. Mutation documents play a vital role in Determining property tax liabilities Establishing ownership evidence Verifying ownership during property transfers Documents Needed For Land Mutation pplication Form: You can obtain the relevant application form from the office of the Circle Officer or Deputy Commissioner. Proof of Identity: You will need to provide photocopies of your valid identity documents, such as your Aadhaar card, PAN card, or voter ID card. Proof of Address: You will also need to provide proof of your address, such as your ration card, utility bill, or bank statement. Documents Relating to the Land: Depending on the reason for the mutation, you will need to provide different documents relating to the land. For example, if you are applying for mutation due to a sale, you will need to provide a copy of the registered sale deed. If you are applying for mutation due to inheritance, you will need to provide a copy of the death certificate and inheritance certificate. Here is a more detailed breakdown of the documents needed for some common types of land mutations in Assam: Mutation by Sale Registered sale deed Up-to-date land revenue receipt Declaration stating that the applicant does not possess land in excess of the ceiling limit laid down under the Assam Fixation of Ceiling on Land Holding Act, 1956 Copy of updated Khazana receipt Affidavit swearing that the Applicant/Applicants is/are the son/daughter/wife/legal heirs of the deceased pattadar Affidavit swearing that the Applicant/Applicants have not transferred the property to anyone earlier nor mortgaged/nor created any charge over the property to be mutated Proof of death of the deceased Pattadar in whose place Mutation (Registration) is sought Affidavit swearing that the person to whom the Applicants applied as successor had not transferred the property during his/her lifetime Copy of NOC obtained from D.C. in case of transfer of land Mutation by Gift Registered gift deed Up-to-date land revenue receipt Declaration stating that the applicant does not possess land in excess of the ceiling limit laid down under the Assam Fixation of Ceiling on Land Holding Act, 1956 Copy of updated Khazana receipt Affidavit swearing that the Applicant/Applicants is/are the son/daughter/wife/legal heirs of the deceased pattadar Mutation by Inheritance Death certificate of the deceased pattadar Next of kin certificate Probate from competent court in case of a will Affidavit mentioning the relationship of the applicant with the deceased pattadar Declaration in the form of an affidavit that the land intended to be mutated in place of the deceased pattadar has not been transferred when he/she was alive Declaration in the form of an affidavit that the total land of the applicant does not exceed the ceiling limit as per the Assam Fixation of Ceiling on Land Holding Act, 1956 after mutation Up-to-date land revenue receipt Types Of Land Mutation In Assam Office Mutation This is the most common type of mutation and is done through the office of the Circle Officer or Deputy Commissioner. It can be initiated for various reasons, including: Sale of land Gift of land Inheritance of land Mortgage of land Cancellation of a mortgage Partition of land The process involves submitting an application with supporting documents, such as the sale deed, gift deed, inheritance certificate, or mortgage deed. Once the application is approved, the Circle Officer or Deputy Commissioner will update the land records to reflect the new owner or possessor. Field Mutation This type of mutation is less common and is usually done in rural areas. It involves a physical inspection of the land by the Circle Officer or Lot Mandal to verify the change in ownership or possession. The process is similar to office mutation, but it may take longer due to the need for a field visit. Conversion from AnuualPatta to Periodic Patta: This process changes the status of land settled for one year (Annual Patta) to a longer tenure (Periodic Patta), giving the owner permanent, heritable, and transferable rights. Partition of Land: This type of mutation divides a piece of land into smaller pieces, each with its own owner. How To Apply For Office Mutation In Assam? Applying for Office Mutation in Assam- Here’s how you can apply for office mutation in Assam Collect Documents Application Form: Obtain the form from the Circle Officer or Deputy Commissioner’s office. Proof of Identity: Aadhaar card, PAN card, voter ID card (photocopies). Proof of Address: Ration card, utility bill, bank statement (photocopies). Documents Relating to Land: Sale: Registered sale deed, up-to-date land revenue & Khazana recipes, declaration not exceeding land ceiling limit, affidavit on absence of previous transfers, etc. Gift: Registered gift deed, similar documents as sale. Inheritance: Death certificate, next-of-kin certificate, probate (if applicable), affidavit on relationship, non-transfer during deceased’s lifetime, land ceiling declaration, etc. Other documents: Depending on the specific reason for mutation, additional documents may be required. Submit Application Once you have all the required documents, submit the application form and supporting documents to the Circle Officer or Deputy Commissioner’s office responsible for your land area. Pay the necessary fees, which can vary depending on the type of mutation and location. Verification and Hearing The office will verify your documents and may schedule a hearing if necessary. Attend the hearing if required and address

Digital Gujarat Online Scholarship Login & Registration: Gujarat government is Digital Gujarat www.digitalgujarat.gov.in. which will provide several such services on the lines of e-services already being rendered through digitalgujarat.gov.in. Earlier, when the common services portal was launched, people were still required to visit nearby Jan Seva Kendra to verify their credentials before being registered. People of Gujarat would soon be able to avail a host of government services through their smartphones and tablets, with the state government deciding to launch a mobile application for the same. Digital Gujarat Online Scholarship 2017 Organization: Digital Gujarat Portal (Tribal Development Department) Scholarship Name: Post Matric Scholarship 2017-18 Applicable For: Gujarat State bonafide students, studying within state or outside state, within India Applicable State: Gujarat Application Deadline: 15th November 2017 Website: https://digitalgujarat.online/ Using this Digital Gujarat www.digitalgujarat.gov.in site people can apply for various services, such as ration card. Initially, the services available through the app would include procurement of ration card, senior citizen certificate, caste certificate, domicile certificate, income certificate, widow certificate, SC/ST certificate, non-creamy-layer certificate and religious minority certificate. Digital Gujarat Registration – Step-wise Process Step 1: Visit the official website of Digital Gujarat.  Step 2: Click on the ‘Register’ button on the right side of the dashboard. Step  3: An online registration form will open. Fill in all the required details and save the information. Step 4: Once you save the information, you will get an OTP on the registered mobile number. Step 5: Enter the OTP to complete the final registration step Digital Gujarat Registration – List of Scholarships Scholarship Name Department/ Provider Name Mukhyamantri Yuva Swavalamban Yojana, Gujarat Education Department, Government of Gujarat Scholarships to the Disabled Students, Gujarat Department of Social Justice and Empowerment, Gujarat Post SSC Scholarship for Girls (NTDNT), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Post SSC Scholarships for Boys (NTDNT) Gujarat 2018 Department of Social Justice and Empowerment, Government of Gujarat Post SSC Scholarship for Boys (SEBC), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Post SSC Scholarship for Girls (SEBC), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Food bill Assistance to SC Students, Gujarat Department of Social Justice and Empowerment, Government of Gujarat Food Bill Assistance for Medical/Engineering Students (SEBC), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Educational Assistance for NTDNT Students Studying in Self-Financed College, Gujarat Department of Social Justice and Empowerment, Government of Gujarat Higher Secondary Scholarship (Minority), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Fellowship Scheme for M.Phil and Ph.D. Students (SEBC), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Swami Vivekanand Stipend Scheme for Technical and Professional Courses (NTDNT), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Swami Vivekanand Stipend Scheme for Technical and Professional Courses (EBC), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Swami Vivekanand Stipend Scheme for Technical and Professional Courses (Minority), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Instrumental Assistance for Medical, Engineering, Diploma Students (SEBC), Gujarat Department of Social Justice and Empowerment, Government of Gujarat Higher Education Scheme, Gujarat Government of Gujarat Scholarships to SC Students for ITI/Professional Studies, Gujarat Department of Social Justice and Empowerment, Government of Gujarat Post Matric Scholarship for SC Students, Gujarat Department of Social Justice and Empowerment, Government of Gujarat Post Matric Scholarship for ST Students, Gujarat Department of Social Justice and Empowerment, Government of Gujarat Fellowship Scheme, Gujarat Department of Social Justice and Empowerment, Government of Gujarat Research Scholarship, Gujarat Department of Social Justice and Empowerment, Government of Gujarat Swami Vivekanand Stipend Scheme for ITI Courses, Gujarat Department of Social Justice and Empowerment, Government of Gujarat Scholarship for the Students of Government Colleges, Gujarat Department of Social Justice and Empowerment, Government of Gujarat War Concession Scheme, Gujarat Department of Social Justice and Empowerment, Government of Gujarat EBC Fees Exemption Scheme, Gujarat Department of Social Justice and Empowerment, Government of Gujarat Instrumental Help to SC Students (Medical, Engineering, Diploma Courses), Gujarat Department of Social Justice and Empowerment, Gujarat Post Matric Scholarship for OBC students, Gujarat Department of Social Justice and Empowerment, Gujarat Fellowship Scheme for M.Phil & Ph.D. (SC) Students, Gujarat Department of Social Justice and Empowerment, Gujarat Post Matric Scholarship for ST Girl Students, Gujarat Department of Social Justice and Empowerment, Gujarat Scholarship for Students Studying at Dr. Ambedkar or Indira Gandhi Open University (SEBC), Gujarat Department of Social Justice and Empowerment, Gujarat Food Bill Assistance in College Attached Hostels, Gujarat Department of Social Justice and Empowerment, Gujarat Higher Secondary Scholarship (SEBC), Gujarat Department of Social Justice and Empowerment, Gujarat Instrumental Assistance for First-year Students of Medical/Engineering/Diploma Courses, Gujarat Department of Social Justice and Empowerment, Gujarat Special Scholarship for Boys and Girls Students, Gujarat Department of Social Justice and Empowerment, Gujarat   Digital Gujarat Registration – Other Services Offered Removal of Name from Ration Card  Domicile Certificate Senior Citizen Certificate  Religious Minority Certificate (Panchayat) (Rural) Widow Certificate (Panchayat) (Rural) Character Certificate Religious Minority Certificate Widow Certificate ST Caste Certificate ST Caste Certificate (Panchayat) (Rural) SC Certificate SC Certificate (Panchayat) (Rural)  Income Certificate  Income Certificate (Panchayat) (Rural) and others FAQs Can I apply for the scholarships on the Digital Gujarat portal? Yes, you can apply for the scholarships on the Digital Gujarat portal if you fulfill the eligibility criteria of the respective scholarship. To begin with, you have to proceed with the Digital Gujarat registration How much scholarship can I get from Digital Gujarat? The benefits depend on the scholarship scheme you are applying for. For detailed information on the scholarship, visit the official website of Digital Gujarat and browse the details under the ‘Scholarship Services’ section. Practice area’s of B K Goyal & Co LLP Income Tax Return Filing | Income Tax Appeal | Income Tax Notice | GST Registration | GST Return Filing | FSSAI Registration | Company Registration | Company Audit | Company Annual Compliance | Income Tax Audit | Nidhi Company Registration| LLP Registration | Accounting in India | NGO Registration | NGO Audit | ESG | BRSR

The Indian Government is looking to increase the number of apprentices from around 14 lakhs in 2022 to 50 lakhs in a few years. This is an ambitious goal, one that demands that employers cooperate and work with the government to achieve it. Employers are opening to the idea of apprenticeship in India, and it is becoming just as popular a concept as internship. What is the full form of NATS? NATS stands for National Apprenticeship Training Scheme. It was instituted by the Government of India in 2006 to give students fresh out of college the opportunity to go in for apprenticeship, learn skills that will serve them for a lifetime and get ahead in their career. Objectives of NATS Not all training that is received in college is useful and such training generally does not let you be job ready. The main objective of the NATS training program is to provide skill training to help people find jobs in the formal sector and vocational skill training for jobs in private institutions. The other objectives of the National Apprenticeship Training Scheme in India are: To enable employers to develop skilled manpower to meet future challenges posed by technological or regulatory changes. To generate job opportunities that are sustainable for marginalized communities, aligning them to office jobs, with preference given to women and those engaged in traditional roles. To create jobs and self-employment for youth, catalysing entrepreneurship and improving wages Features of NATS The scheme provides a period of 1 year to observe the performance of the candidate before making them regular full-time employees. Through the National Apprenticeship Training Scheme, the government pays back the employer 50% of the minimum payment that must be made to the apprentices for their services. The training scheme ensures that there is no shortfall of manpower in the organization to accomplish the tasks. The scheme allows establishments to address even future requirements for human resources. Designated trades are offered by the Government and optional trades by private institutions. Under this scheme, both optional and designated trades have been addressed. If an establishment is operating its business in several states of India, then it can operate on a national basis. How is NATS Beneficial? Employers can address problems with skill gaps, making sure that there aren’t any in the organisation. Employers enrolled with NATS training are exempt from EPF and ESI contributions. A proactive workforce is created through skill development, becoming an asset to the organisation. The cost of hiring comes down rapidly, as apprentices trained through the program start contributing immediately. If the apprentices do not perform to satisfactory levels, then the employer is not committed to employ them. The observed attrition rates after an apprenticeship training program are also low, as apprentices tend to stay loyal to the company. Helps project your brand is one that cares about the local population and wants to engage with them. Eligibility and Requirements for Employers The documents required for eligibility are: Incorporation Certificate. PAN/TAN Last year’s IT returns. Internal committee’s findings regarding any issue of sexual harassment. Total hands employed in on-roll, contractual, and full-time roles etc. Training module for apprentices on a yearly basis. Brief info regarding the establishment (<1MB size). Mobile number to receive OTP. Email IDto receive all the relevant details. Note: All documents must be attested by an authority and office seal must be placed on all of them. Enrolment- After reading the enrolment guidelines clearly, the establishment must then initiate the enrolment process with the eligibility documents ready. They will be asked a series of questions for which they would need to provide inputs. The establishment must then provide each document required to prove their eligibility. An internal committee is also required which must inform the National Apprenticeship Training registration team about any sexual harassment in the company. There must also be a structured apprenticeship training module. If the company lacks one, then it will lead to delays in NATS enrolment. In the company info space, the employer needs to mention the workplace address and the headquarters and the corporate office locations. FAQs What is the salary of an apprentice under the National Apprenticeship Training Scheme? The starting salary of anyone employed as apprentice under NATS is 11,000 in the present year, as announced by the Government of India for a one-year duration. Is NATS certificate valuable? The NATS training programme empowers the youth of our nation by providing them skills that will enable them to secure higher paying jobs over time and maintain a higher standard of living. The certificate from NATS is proof that you have undergone NATS training and is valuable whenever you apply for a job. Practice area’s of B K Goyal & Co LLP Income Tax Return Filing | Income Tax Appeal | Income Tax Notice | GST Registration | GST Return Filing | FSSAI Registration | Company Registration | Company Audit | Company Annual Compliance | Income Tax Audit | Nidhi Company Registration| LLP Registration | Accounting in India | NGO Registration | NGO Audit | ESG | BRSR | Private Security Agency | Udyam Registration | Trademark Registration | Copyright Registration | Patent Registration | Import Export Code | Forensic Accounting and Fraud Detection | Section 8 Company | Foreign Company | 80G and 12A Certificate | FCRA Registration |DGGI Cases | Scrutiny Cases | Income Escapement Cases | Search & Seizure | CIT Appeal | ITAT Appeal | Auditors | Internal Audit | Financial Audit | Process Audit | IEC Code | CA Certification | Income Tax Penalty Notice u/s 271(1)(c) | Income Tax Notice u/s 142(1) | Income Tax Notice u/s 144 |Income Tax Notice u/s 148 | Income Tax Demand Notice | Psara License | FCRA Online Company Registration Services in major cities of India Company Registration in Jaipur | Company Registration in Delhi | Company Registration in Pune | Company Registration in Hyderabad | Company Registration in Bangalore | Company Registration in Chennai | Company Registration in Kolkata | Company Registration in Mumbai | Company Registration in India | Company Registration in Gurgaon | Company Registration

An Inner Line Permit (ILP) is a travel document officially issued by the concerned state government permitting inward travel of an Indian citizen in a protected territory. The Inner Line Permit was in the news recently when, in December 2020, Union Home Minister Amit Shah stated that the ILP was an “important step taken by the Central Government towards the betterment of the state of Manipur”. An Inner Line Permit is a travel document that allows an Indian citizen to visit a state that is protected under the Government. Indians must obtain a permit for entering into the protected or restricted areas within the country. Inner Line Permit is issued under the Bengal Eastern Frontier Regulation, 1873, by the respective state governments. Overview of the Inner Line Permit The Inner Line Permit was implemented as part of the Bengal Eastern Frontier Regulation of 1873. It was enacted to protect the commercial interests of the British Empire by preventing its subjects (at the time, Indians) from trading in these regions. Upon independence, the ‘British Citizens’ was replaced with ‘Indian Citizens’. The ILP was applicable earlier to 3 northeastern states: Mizoram, Arunachal Pradesh and Nagaland. On December 11th 2020, Manipur became the fourth northeastern state after an order to include the Inner Line Permit was signed by President Ram Nath Kovind. An Inner Line Permit was first required in some parts of the Leh District in Ladakh. It was abolished on 1 May 2014, but foreign nationals were required to get a Protected Area Permit. Yet, in 2017 it was implemented once more in 2017. Legislators and the general public in Meghalaya, Assam and Andaman and Nicobar islands also have demands for the implementation of the ILP in their respective states. States Which Require Inner Line Permit The Inner Line Permit is applicable for the following three Northeastern states. Residents of these states can visit the respective states without the IPL. Arunachal Pradesh Mizoram Nagaland Inner Line Permit System in Arunachal Pradesh Inner Line Permit is issued by the secretary (political) of the Government of Arunachal Pradesh. The ILP is mandatory for entering Arunachal Pradesh through any of the check gates across the interstate border with Assam or Nagaland. Validity of ILP An ILP for temporary visitors is valid for 7 days and can be extended. ILP for employment in the state and their immediate family members is valid for a year. Type of ILP Following two types of Inner Line Permit is issued in Arunachal Pradesh: Single Permit Group Permit Documents Required Any of the following identity documents is necessary for applying for Inner Line Permit in Arunachal Pradesh. Pan Card Aadhaar Card Driving License Passport Voter Id Passport Size Photo Application Fee The applicant needs to pay Rs.100 application fee for applying for the Inner Line Permit in Arunachal Pradesh. Application Procedure The applicant needs to access the official webpage of Arunachal Pradesh Inner Line Permit. By clicking on the eILP option, the application form will be displayed. Provide relevant information and mail ID. The email ID will be verified before further processing of the ILP application. The login information will be sent to the registered email ID. Upload the documents, on submission of the application; it will be processed by the concerned authority. The status can be monitored using the Check Status option. On approval of the application, the Payment link will be activated and the applicant needs to make an online payment for approval and issuance of Inner Line Permit. After payment and on Approval the “Print” link will be activated for the printing of the permit, which can be viewed after login. Inner Line Permit System in Mizoram Inner Line Permit in Mizoram can be obtained from Liaison Officer, Government of Mizoram from the following cities: Kolkata Silchar Shillong Guwahati Type of ILP Following two types of Inner Line Permit is issued in Mizoram Temporary ILP Regular ILP Validity of ILP The temporary ILP is valid for 15 days and can be extended. The regular ILP is valid for 6 months and it can be renewed twice for another 6 months. However, sponsorship from a resident or a Government Department is required. Documents Required Following documents are necessary for obtaining Inner Line Permit in Mizoram. Passport size photo Driving License Voter ID Department ID Note: For tourists originating from Cachar, Hailakandi and Karimganj districts of Assam State should submit Electoral Roll details due to porous international boundary with Bangladesh. Application Fee The application fee for getting ILP in Mizoram is tabulated here: Sl.No Type of Fee Fee Structure 1 Application Form Rs.20 2 Processing Fee Rs.100 3  Renewal Fee Rs.20 Application Procedure To get the Inner Line Permit in Mizoram, the applicant needs to submit an application form to the Resident Commissioner along with the documents. On verification of document and application, the commissioner will issue ILP for entering into the state. Renewal of ILP Renewal for both Temporary and Regular ILP can be renewed by submitting an application form at District Commissioner’s Office located at Treasury Square, Aizawl. ILP for Foreigners All foreigners have to register at the office of Superintendent of Police (CID/SB) Mizoram who is the designated Foreigners Registration Officer (FRO) of the State within 24 hours of arrival. Citizens of Afghanistan, China and Pakistan and foreign nationals having their origin in India would continue to require prior approval of the Ministry of Home Affairs before entering the state. Inner Line Permit System in Nagaland The Deputy Commissioner, Government of Nagaland is issuing ILP in Nagaland. Inner Line Permit can be filled Online as well as Offline. The procedure to obtain Inner Line Permit in Nagaland is explained in step by step procedure. The applicant must be a registered user of the official website of Government of Nagaland to get the Inner Line Permit. Access the official website of Nagaland Government and click on How to apply option from home page. In the case of a new user, click on the New User link, it will redirect to the new page.

Records of Right give various information about the particulars of land. The assessment of land revenue payable, disputes regarding the land is determined in the light of the record of rights. Record of right is a collection of various revenue papers regarding land. Assam Record of Rights (Jamabandi) is an extract from the land records registers held by the Revenue Department of State Government. It is a document that contains all the rules and regulations related to land transactions in Assam. Assam Land Record Before making any decisions about purchasing a property in Assam, it is important to understand the state’s record of rights (jamabandi). This document defines the rights of landowners and tenants in specific areas of the state and is used as a reference when negotiating or selling property.  The Jamabandi is divided into many parts, each covering a specific area of land ownership. Part I covers agricultural land, Part II covers forests and other natural resources, Part III covers water resources, Part IV covers village lands and Part V covers urban areas.  Each part has its own set of rules and regulations that must be followed when selling or leasing property. For example, agricultural land can only be leased out for 99 years, while forest land can only be leased out for 25 years.  It is important to familiarize yourself with the jamabandi before making any purchases or lease agreements in Assam. By understanding the state’s records of rights, you can make sure that you are getting the best possible deal on your property investment. What Is Jamabandi? Assam Land Record – The Jamabandi is a document that was drafted in Assam, India, which outlined the rights of the indigenous people of the state. The document has been used as a tool to help protect indigenous rights and advocate for their welfare. The Jamabandi or land records registers is composed of six articles, each of which outlines specific rights and protections that the indigenous people of Assam are entitled to. The first article states that all indigenous people of Assam are entitled to equal justice before the law. The second article guarantees the right to life and liberty, freedom of speech and expression, and freedom from arbitrary arrest and detention. The third article ensures that indigenous people have access to land, water resources, education, and cultural heritage. The fourth article guarantees the right to self-determination and independence. The fifth article prohibits discrimination against indigenous people, and the sixth article establishes an administrative structure for implementing these rights. The Assam Land Holding Certificate has been widely recognized as a landmark document in the history of Indian Indigenous rights. It has played a significant role in helping to protect indigenous people from exploitation and abuse, and it has helped to ensure that they enjoy fundamental human rights protections.  Uses of Assam Records of Rights In Assam, Jamabandi is used to check the ownership of an ancestral land or any other land. Certified copy Jamabandi can be used to know about land type, and the variety of activities carried out on land. Assam Record of Rights is a vital document to obtain information regarding an agricultural aspect of the land and its surrounding areas. Jamabandi is required at Registrar’s office when sale transaction of the property is being done. Assam records of rights or Jamabandi is a vital document to raise farm creditor to get a loan from a bank. The court needs land record proofs in case of any civil litigation. Certified copy of ROR can be produced for this purpose. To buy land in Assam, it is mandatory to check the Jamabandi of the seller and ensure his or her ownership of the area. To obtain a flat, buyer has to check the ownership of the land (Jamabandi) on which the flat is being constructed. Eligibility Criteria to get Certificate Copy of Jamabandi or Records of Rights/Chitha he following are the eligibility criteria for Records of Right in Assam. Landowners whose names are in Chitha can apply for Jamabandi Copy (Record of Rights) in Assam. Citizens can apply in their respective Circle Office where his/her name is available in the Chitha. Attributes in Assam Records of Rights Changes in ownership Nature and limits of owner’s rights and conditions Mutation numbers Type of soil (agricultural or non-agricultural) Survey number of the land Type of irrigation (irrigated kind or rainfed nature) Area of the earth – Fit for cultivation Details of charges of attachment and decrees under the order of the civil court or revenue authorities The field in possession of each landholder and the classification of each area are entered from the Chitha. Details pending loans for buying seeds, pesticides or fertilisers Information regarding the type of crops planted in the last cultivating season Aspects of pending litigations, if any Aspects of tax paid and unpaid taxes Details of loan taken by the landowner Documents Required to get Certificate Copy of Jamabandi or Records of Rights/Chitha The following are the documents required to obtain Records of Right in Assam. The applicant must furnish up-to-date Land Revenue receipt / Land Revenue clearance receipt in respect of the land applied for. Any other Land related document. Online Jamabandi Assam Process Online Jamabandi Assam Process: The online process of registering your rights under the Jamabandi Act: https://jamabandi.nic.in/ is now open. You can use this online form to register your rights and get all the necessary information about the process. There are three steps in the online process – registration, verification, and acknowledgment. Registration: In this step, you will have to fill in your details such as name, father’s name, and address. You will also have to provide proof of your identity such as a voter ID card or a passport. You will also have to select the category of rights you are registering for – namely economic, social, and cultural rights. Verification: In this step, you will have to verify that the information you have provided is true and correct. This verification process may involve contacting other authorities such

The Karnataka One project aims to create a single interface for any time, anywhere, citizen-centric services. These facilities will be provided by the government and private businesses in an integrated, practical, secured, sustainable, and citizen-friendly manner using a variety of delivery channels and IT resources. The Karnataka One is an online portal by the Government of Karnataka that aims to create a single interface for citizen-centric services. The government and private businesses provide facilities on the Karnataka One portal in a practical, integrated, sustainable, secure and citizen-friendly manner using IT resources and different channels.  The Chief Minister of Karnataka started the Karnataka One on 17 January 2022 to deliver services from different ministries to the people’s doorstep. People can register on the Karnataka One portal to access various services the Karnataka government offers. The services are incorporated under the Government to Citizen (G2C) facilities. Presently, Karnataka One is operational in 24 cities. It also facilitates online payments. Objectives of Karnataka One Portal To provide services to various government departments, organisations and private companies in a citizen-friendly manner under one roof. To enhance transparency, responsiveness and accountability to citizens’ needs. To give cost-effective methods of services to the departments. To provide efficient online EIS and MIS to the departments. To enable government agencies and departments to focus on their core functions. Services Provided at Karnataka One Aadhar Services Ayushaman Bharath (Health Department Service) Election Commission Services NadaKacheri Service (Revenue Department) Sale of Lead Bulbs/ Fans/ Tubes e-Stamping Municipal Cooperation Services Food And Civil Supplies Services Exide Life Insurance Premium Payment (Insurance) Transport Services Issuance of Government Department Application Form Urban Development Authority (Payment of Fee For BUDA) Registration for Job Alerts Utilities (Electricity/Water/Telephone) Police Department Services Passport Services Other External Services Features and Benefits It is a one-stop service portal. The services of multiple private companies and government departments are available under one roof. The services are delivered daily from 8:00 AM to 7:00 PM (excluding Republic Day, Independence Day, Mahatma Gandhi Jayanthi, labour day and Kannada Rajyotsava). Citizens have a choice of payment mode: cash, DD, cheque, online payment, credit or debit card. Services are delivered within specified time limits to ensure less waiting time for citizens. Citizen service centres are air-conditioned with facilities like television, drinking water, etc. Most of the services have no additional service charges. Many services are delivered online. Franchisee Registration Procedure Following specified terms and conditions for franchisee registration in the state, a franchisee may register using the Karnataka One site. The franchisee application is only valid in urban areas.  The application price for a franchise is ₹100, and the registration charge for a franchisee per counter is ₹1 Lakh (security deposit is refundable).  The acknowledgement number and mobile number can be entered for OTP verification to track the status of the franchisee application. Registration Procedure Access the Portal Step 1: The applicant must go to the Karnataka One Portal to avail all the citizen services by the government. New User Registration Step 2: In case you are a new user of the Karnataka One portal,  you have to register in this portal to avail all the services offered by the government. Then click on the “Register” button for the New User Registration. Fill in the Right Credentials Step 3: You will be taken to the registration page where you have to enter the following details. Desired Login Name Mobile Number e-mail Address Password Captcha Step 4: After entering all the requested details you have to click on the “submit” button. Step 5: Then your citizen account will be created successfully upon completing the Karnataka One portal Registration. Login to Portal Step 6: To portal login, you have to enter your login id, password and enter the captcha and then you need to click on the “Submit” button. Step 7: Now you are eligible to request and apply for any services which are available at the web portal. Payment Process Step 8: Upon completion of the requested details in the application form, the user will be directed to the payment page where multiple online payment modes are available including Net Banking, Debit/ Credit Card payment. Step 9: Then click on the “Confirm Payment” button after verifying amount details, bill details. Step 10: Click on the Pay button, you will be getting a Receipt for the transaction committed. On the receipt page, you can also make a print of the receipt. RTO Services on Karnataka One Portal Issuance of a Vehicle RC-Extract- When a citizen wants to sell his/her car, he/she needs to obtain a B-Extract from the RTO. The citizens can go to the Karnataka One portal and apply for the RC-Extract online. Citizens can also get vehicle owner’s information from any of the KarnatakaOne Centres. They must provide the vehicle registration number to get the nominal information of the RC-Extract from a remote database. DL-related services – Citizens should obtain a DL-Extract from the RTO to get updates on their Driving Licence (DL) information. Citizens can get the DL-Extract from the KarnatakaOne Centres. They must give the vehicle registration number to get the nominal information of the DL-Extract from a remote database. The application extracts the owner’s name, birthdate and RTO code from the remote database to get authorisation to commit the transaction.  Settling outstanding traffic violation fines -The Karnataka State Police has linked the payment of parking and traffic violation fines with Karnataka One. Thus, citizens who have received a fine for breaking traffic rules or parking laws can pay it online on the Karnataka One portal. They can log in and pay the traffic or parking violation fees online. FAQs What is Karnataka One? Karnataka One is an initiative by the Karnataka government to provide various citizen services through a single platform, making it easier for citizens to access government services. What services are provided under Karnataka One? Karnataka One offers a wide range of services, including bill payments, application submissions for various government schemes, certificates, licenses, and more. How can I register for Karnataka One services? Registration for Karnataka One services can usually be done online through the official website or at any Karnataka One center. The process typically

Post office depository service has a wide assortment of schemes that offer fixed returns on investment. These schemes are all stringed with the benefit of the sovereign guarantee, i.e. this investment avenue is government-backed. Therefore, these schemes are safer investment options compared to equity shares and many fixed-income options. Latest Update: Budget 2023-24: The maximum deposit limit for the monthly savings scheme is enhanced from Rs.4.5 lakh to Rs.9 lakh for a single account and from Rs.9 lakh to Rs.15 lakh for a joint account. Like any nationalised bank, the Post Office has been a trusted place for depositing and transacting with money. This is especially true for the elder generation. A number of saving schemes are offered by branches of the Post Office across the country.  Post Office Monthly Income Scheme (POMIS) is one such scheme where you invest a certain amount and earn a fixed interest every month. As the name suggests, you can invest in this from any post office. In this article, we will cover the following aspects of POMIS. What is Post Office Monthly Income Scheme Post Office Monthly Income Scheme, amongst others such as Post Office Savings Account, Post Office Recurring Deposit, Post Office Time Deposit, is one of the highest-earning schemes with an interest rate of 7.4%. The interest in this scheme, as the name suggests, is disbursed monthly. This scheme, like other post office schemes, is recognized and validated by The Ministry of Finance. Features of POMIS Here the the significant features of the Post Office Monthly Income Scheme 2024– Lock-in Period: When you open a Monthly Income Scheme account with a post office, you cannot withdraw the amount deposited in such account prior to 5 years.  Maximum Limit: You can make a maximum investment of Rs. 9 Lakhs in the scheme. Even if you hold the scheme in multiple post offices, the aggregate of all your deposits cannot exceed Rs. 9 Lakhs.You can also open a joint account with 2 or 3 people wherein an aggregate sum of up to Rs 15 lakhs can be invested in this account. Transferrable: In case, you are changing your residential status to a different city anywhere in India, you can transfer your POMIS account to a convenient post office. Your Post Office Monthly Income Scheme investment corpus and interest disbursal will be carried forward to such a post office. Joint account: A maximum of 3 individuals can open a joint account for this scheme. In the case of joint accounts, each investor possesses equal rights over the account. The maximum limit in the case of joint accounts is Rs. 15 Lakhs, and the singular limit is Rs. 9 Lakhs. Minor account: You can open a POMIS minor account in the name of your child. The Post Office Monthly Income Scheme age limit for minors is above 10 years. He/she can withdraw the amount after maturing for 18 years. Eligible residential status: Every Indian citizen is eligible to open a POMIS account; however, NRI individuals cannot. Auto-withdrawal: You can opt to withdraw the monthly interest amount on your investment through automatic transfer to your savings account through PDCs or ECS. If the POMIS account is with a CBS Post Office, then the interest amount can be directed towards any other CBS centric savings account. Penalty: In case you wish to withdraw your investment corpus before the lapse of the lock-in period, a penalty is charged on the withdrawal amount, depending on the time of such redemption. Investment amount: The account can be opened with a minimum of Rs. 1000 and in multiple of Rs. 1000. Tax benefits: The interest amount does not incur any Tax Deducted at Source (TDS); however, it also does not attract any tax benefits under Section 80C.  The following table demonstrates the maximum investment limit for the Post Office Monthly Income Scheme. Account Type Maximum Limit Single Account Rs. 9 Lakhs Joint Account Rs. 15 Lakhs Documentation Required Identity Proof: Copy of government-issued Identity card such as Passport /PAN card/ Voter ID card / Driving License/Aadhaar, etc. Address Proof: Copy of government issued ID or recent utility bills. Photographs: Passport size photograph. Eligibility Criteria The investor should be a resident Indian. The minimum age limit of the investor should be ten years and above ten years of age. The maximum fund that a minor can invest is Rs.3,00,000. The NRI is not eligible to invest in the Post Office Monthly Scheme. Current Interest Rates on Post Office Monthly Income Scheme The Post Office Monthly Income Scheme’s rate of interest is fixed by the Finance Ministry and the Central Government of India. The interest rates are often revised every quarter depending on the returns generated by government bonds of similar tenure. The following table includes the current and previous interest rates- Time Interval POMIS Interest Rate (Per Annum) From 1st January 2024 7.40% 1st October 2023 – 31st December 2023 7.40% 1st April 2023 – 30th June 2023 7.40% 1st January 2023 – 31st March 2023 7.10% 1st October 2022 – 31st December 2022 7.10% 1st April 2020 – 30th September 2020 6.60% 1st January 2020 – 31st March 2020 7.60% 1st October 2019 – 31st December 2019 7.60% 1st July 2019 – 30th September 2019 7.60% 1st January 2019 – 31st March 2019 7.70% 1st October 2018 – 31st December 2018 7.70% 1st January 2018 – 30th September 2018 7.30% How to open a POMIS Account Opening a POMIS account is not as tedious as you think. Instead of imagining long queues and even longer paperwork, please take a look at the step-by-step procedure.  Open a post office savings account, if you haven’t already. Collect a POMIS application form from your Post Office. Submit the duly filled form along with a photocopy of your ID and residential proofs and 2 passport-size photos at the Post Office. Do carry the originals for verification. Get the signatures of your witness or nominee(s) on the form. Make the initial deposit via cash or cheque. In the case of a post-dated cheque, the date on the cheque will be the account opening date. Once the processing is