What Are Forms 15G and 15H and What Are Their Uses?

Individuals who invest in fixed deposits have to pay a certain amount of tax on the interest that they earn from the FDs. Banks and financial Institutions deduct this amount from the source before providing interest to their customers. As a result, it is known as TDS (Tax Deducted at Source).

Form 15H and 15G can be used to get an exemption from TDS if you are eligible for the same. Form 15G can be used by anybody to get an exemption from TDS whereas form 15H is only applicable for senior citizens i.e., people who are at least 60 years or older. These forms are valid only for one financial year. Therefore, you will have to fill any one of these forms each year to ensure that TDS is not deducted from your net income.

Now let us see who all are eligible for TDS exemption i.e., who all can fill form 15H and 15G to avail TDS exemption:

• To be eligible to fill a 15G form, the tax liability of a person must be zero, and the net income of the person should not be greater than INR 2,50,000 per annum. It can only be used by members of HUF (Hindu Undivided Family) and trusts. Organizations and firms cannot avail this rebate.
• To be eligible to fill a 15H form, a person’s age should be 60 years or more, and the total income of the person should not be taxable according to the Income Tax Act.

Also, the investors must ensure that they fill these forms at the beginning of the financial year to avoid the tax deduction that takes place in the initial part of the year.

TDS calculation on fixed deposit interest

TDS is only deducted if your total interest earnings from FDs in a financial year exceed INR 40,000. Also, if you are a senior citizen, then TDS is only deducted if your interest earnings are greater than INR 50,000.

Therefore, a TDS of 10% of the net interest earnings will be deducted if the interest earned through the fixed deposits is greater than 40,000 or 50,000 (depending on your age). Also, if you fail to provide your PAN card details while applying or submitting FD form, then you are eligible for a 20% TDS deduction.

To understand how TDS on fixed deposits is calculated, you need to know that the TDS depends on the interest income and not on the net income of the investor.

Offset TDS deduction with high interest earnings

NBFCs like Bajaj Finance provide high-interest rates on FDs.Therefore, you can easily offset the effect of TDS deduction with high interest earnings from Bajaj Finance FD. Here are some more benefits of investing in Bajaj Finance FD:

High-interest rates – With these FDs, the interest rates can be as high as 8.95%, which is much more than the interest rates provided by bank FDs. You can earn ROI (Return on Investment) up to 54%. This is an excellent option for retirees to boost their future savings.

Investor Type	Interest  rates	Amount	Tenor	Return	ROI
New customer	8.6%	Rs. 25,000	5 years	Rs. 12,765	51%
Senior citizens	8.95%	Rs. 25,000	5 years	Rs. 13,377	54%
Existing customers	8.85%	Rs. 25,000	5 years	Rs. 13,202	53%

Flexible tenor – With Bajaj Finance FDs, you can invest your savings for a period of 12 to 60 months as per your choice. Moreover, you can also choose to earn periodic interest payouts such as monthly, quarterly, six-monthly, or annual interest payouts to supplement your expenses. This feature proves to be helpful for retirees who do not have a steady flow of regular income.

Safety – Bajaj Finance FDs are rated for their safety and stability by third-party credit rating agencies like ICRA and CRISIL. Therefore, your savings are safe from market fluctuations.

You can start investing in these fixed deposits with a minimum investment of Rs. 25,000 and ladder your investments across different time frames to benefit from changing interest rates. You can also estimate your returns accurately with the help of an FD calculator which calculates the interest and maturity amount based on the principal amount, FD type, and tenor chosen by you.

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How to Apply for Kisan Credit Card? Get Interest Rate and Eligibility

The government introduced the Kisan Credit Card scheme in 1998 to provide financial support to farmers and help them fulfil various credit requirements. As of 2019, the government plans to launch village wise schemes to reach out to over 1 Crore farmers in 100 days through this scheme.

The purpose of this card is to help farmers avoid falling into debt traps from informal borrowing. This credit card for farmers can help them to pay more easily for various agriculture-based requirements.

Also, the government is steadily making card-based payment methods available for every platform like National Common Mobility Card for transport, debit cards, etc.

What is the Kisan Credit Card?

The scheme provides Indian farmers with a credit card through which they can avail short term loans from designated financial institutions. These short term loans come with low interest, making it easier for farmers to repay their debt. In addition to this, the scheme also provides farmers with a passbook that contains various details regarding loan limit, beneficiary and landholdings.

The credits are provided by lenders in rural regions, state co-operatives as well as public sector financial institutions.

Interest and additional charges on this credit card

According to RBI guidelines, respective financial institutions can set the interest rates and credit limit for this scheme. However, the average applicable interest rate should be between 9-14% per annum. Before applying, check the method for credit card interest rate calculation thoroughly.

Farmers can also avail special subsidies and schemes regarding the interest rate for the card. These additional benefits will be determined based on the general credit history of the farmer.

Charges like processing fee, deed charges for a land mortgage, insurance premium, etc. are determined at the card issuer’s discretion.

Benefits of the scheme

Farmers can avail the following benefits under the Kisan credit card scheme

• Low-interest rates
• A single loan for every agricultural requirement
• Loan repayment facility allowing farmers to repay the advance post-harvest season
• Easy loan disbursal
• Crop insurance
• Avail digitised payment methods similar to National Common Mobility Card.

Who can avail this scheme?

The following are the eligibility criteria to avail this scheme

• Individual or joint borrower farmers who are owner-cultivators of their land
• Oral lessees, sharecroppers, tenant farmers, etc.
• Individuals belonging to joint liability or self-help groups, including tenant farmers, sharecroppers, etc.

The Kisan Credit Card scheme also extends to individuals working in fisheries and animal husbandry sector. Following are the eligibility criteria for the beneficiaries belonging to these sectors

• Aquaculture and inland fisheries

Individual fishers and fish farmers, as well as those belonging to self-help groups and joint liability groups can apply.

• Marine fisheries

Individuals can avail the scheme if they own a fishing vessel or registered boat. They should also have the required license for fishing in the sea or estuaries.

• Dairy

Dairy farmers and tenant farmers who lease, own or rent sheds.

• Poultry

Individual farmers, joint borrowers, tenant farmers for poultry, birds, goats, sheep, pigs, etc. Shed owners are also eligible to apply for the benefits of this scheme.

If you do not comply with the above criteria, you can look for other credit card options at affordable interest rates. For instance, the Bajaj Finserv RBL Bank SuperCard is one such option which can help you avail numerous industry-first features.

How can you apply for the scheme?

If you satisfy the criteria mentioned above, you can apply for the benefits of Kisan Credit Card scheme online. Follow the steps below to apply:

• Visit the lender’s website
• Check the credit card options and choose “Kisan Credit Card.”
• Fill up the required details, attach the documents and click on “Submit.”

You can apply for a credit card online in three steps easily. The lender will then process your application and provide you with the credit.

If you don’t satisfy the eligibility to avail this scheme, you can also avail alternate options like the Bajaj Finserv RBL Bank SuperCard.

Bajaj Finserv also provides pre-approved offers on credit cards that can make availing these quicker and easier. These offers are available on various financial products, including home loans, business loans, personal loans, etc. You can check your pre-approved offers by providing your name and phone number.

Thus, there is no dearth of financing at affordable rates available from Indian lending institutions. However, you should check the eligibility criteria of each institution carefully before applying.

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5 Essential Steps to Start Your Own Pathological Lab

The healthcare industry in India has seen significant growth in recent years. Rapid commercialisation has introduced many privately owned healthcare facilities across the country. It has also brought a significant increase in the number of ancillary industries like a prescription drug store, care options, and diagnostics and pathological labs.

The medical diagnostics market is growing at a rate of 15% to 20% every year. A recent study places the market worth approximately Rs. 40,000 Crore in 2018. New rules made acquiring a licence for pathology lab much easier, making it one of the bestbusiness ideas in India to tap into the growing healthcare industry.

Starting your pathological lab

You have to go through several steps to start your path labs in India. These generally involve setting up the necessary arrangement, calculating the cost of an establishment, and acquiring the necessary paperwork to start a pathological lab.

Let’s take a look at how to open a pathology lab and what are the steps required.

• Planning –

Proper planning is one of the most crucial steps to start a path lab. You have to decide on the scope, capacity, and services provided by your path lab.

Pathological labs generally provide various services like clinical pathology, cytopathology, histopathology, serology, haematology, biochemistry, etc. Your clinic’s facility, equipment, personal, expenditure, and even necessary licence for pathology lab will change according to these services provided.

• Creating the infrastructure –

Another crucial step is to decide the infrastructure required for your pathological lab. A pathological lab should include a patient waiting area, dedicated lab and processing space, separate examination spare, storage area, and segregated sample collection and disposal areas.

However, creating the necessary infrastructure can put a significant financial strain on your budget. Several aspects like land acquisition, creating a workspace, etc. will be included in the process. Even renting a suitable place in an urban area will require significant financial backing.

You can opt for a business loan to tackle such monetary requirements without depleting your savings. Several financial institutions including NBFCs like Bajaj Finserv offer such loans with attractive features and benefits. Bajaj Finserv even provides pre-approved offers on credits like business loans as well as personal loans, home loans, and several other financial products. Such offers simplify the process of availing finance and help you save time. You only have to share some essential details online to check your pre-approved offer.

• Procuring licence and registration –

You will have to acquire the necessary licence for the pathology lab after completing the planning process. You will also have to comply with some basic and some legal requirements based on the state you will open your business in. Here is a list of the licences you will require.

1. Registration under the Shops and Establishments Act.
2. Registration under the Clinical Establishment Act.
3. Permission from the Director of Health Services.
4. Accreditation from National Accreditation Board for Testing and Calibration.
5. Registration under Biomedical Waste Disposal Body.
6. Accreditation from Good Clinical Practices.
7. Approval for waste generation from the local Pollution Board.
8. No Objection Certificate from the local Fire department.
9. No Objection Certificate from the local municipality.

• Procuring equipment and consumables –

The machinery required for your pathology lab will differ according to the types of services you offer. However, some common equipment includes –

1. Fridge.
2. Centrifuge.
3. Incubator.
4. Pipettes.
5. Autoclave.
6. Sterilisation equipment.
7. Lab management software to automate billing, payment, data handling, and report generation.

You will also need a large stock of disposables like a hypodermic syringe, consumables for blood collection, sterilised medical wear, etc.

• Hiring the necessary staff –

You will require a team of experienced and qualified staff to keep your lab operational. The pathological lab will also require a qualified signatory or an MD pathologist or a microbiologist to comply with the regulations enforced by the NABL or Clinical Establishment Act.

These are some of the essentials that a checklist for how to start a pathology lab must include. The above mentioned steps will act as a guideline to help you organise the necessary equipment and financing to start your venture into the Medicare industry.

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Why Magento is the Best Platform for eCommerce Website Development

When you are about to build your own eCommerce store, you will see hundreds of alternatives as regards the software as well as platforms you can use. Magento provides a subtle balance between being reliable and very flexible. The customizable plus supple nature of Magento is the fact that it is a platform and not merely a simple portion of fixed software.

Here’s why you should pick Magento for your eCommerce site

Reliability

The initial thing you need to look at when seeking dependable software is who really created it and who possesses it. The more renowned the name of the creator, the more reliable your program turns. This makes dependability as one of the most important characteristics of Magento since it is powered by eBay Inc itself.

You are aware that a few of the formulas that brought success to eBay at online commerce will be in your very own software if you use Magento.

Flexibility

Magento really works increasingly like a platform on which you can assemble your very own business site the manner in which you need it and want it to be. You can change and alter your online business website from various perspectives that even Magneto's developers couldn't have anticipated.

Added to that is a large community, which makes its own plugins and extensions that you can adjust onto your program, and you have an amazingly adaptable eCommerce software solution. Utilizing Magento is a sound strategy since you utilize the creativity of an entire community to make the ideal site for your business needs.

Specialized

Magento is prepared to create online commerce sites. This specialty is a very imperative advantage when utilizing Magento since everything with regard to it is designed as well as tweaked to ease effective eCommerce transactions.

Popularity

The popularity of a program says a lot of its worth. Magento has numerous clients who are tenacious devotees of its adaptability and incredible plan. In the event that you have picked the community version of Magento, you will be in contact with a huge number of individuals who can direct you through the way toward the process of building and handling your own eCommerce site with it.

The vast majority of the recommendation and plugins you get from the community will likewise function on your Enterprise variant of Magento, which offers greater adaptability and backing, yet in addition, it comes at a very expensive rate.

So, why Magento nevertheless

From the above-mentioned points, it turns out to be clear why such a significant number of firms far and wide incline toward Magento with regards to making their online stores. The program may take some time for you to get adjusted in accordance with it and it has a steep learning curve, yet once you have mastered it you may be restricted by your very own creative mind and innovativeness. Since the codebase of Magento is written in PHP, it may be hard notwithstanding for experienced designers to utilize effectively.

However, that essentially comprises the software’s only significant shortcoming, which can be defeated with some devotion and backing from the community. eCommerce website development service provider always explains these points to their clients.

Being unquestionably more adaptable to use than other platforms like Opencart, Magento is ideal to make your eCommerce site look and feel professional.

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Get Prompt Action On Color Treated Dandruff Hair

In today's modern age, people like to adopt new things that come in their way. Just as you do not like to wear the same dress in every function, in the same manner, you do not want to use the same hair style wherever you go. When it comes to styling your hair, you dye your hair in order to make your hair look beautiful. Do you know that colored hair can create the problem of dandruff? The chemical dyes make your hair brittle and dry. Having dandruff is the side effect of coloring your hair. It is the hair dye which make your scalp flaky and itchy. The natural oils in your scalp get destroyed by the regular use of hair color. You need anti-dandruff shampoo which will keep dandruff in check after getting your hair colored. Use the advanced Ketomac shampoo to treat dandruff from your color-treated hair quickly.

Brief information about dandruff

The exfoliation of the skin of scalp is referred as dandruff. The nasty white flakes you see on the shoulder are dandruff. Dandruff is yeast called Malassezia which thrives on the oily scalp. Having a bit of dandruff is nothing to worry about. But, when you see a considerable amount of dandruff along with strands of hair whenever you brush your hair, then you need to take immediate action against dandruff. Ignoring dandruff can be harmful for your hair and scalp. Using the best anti-dandruff shampoo is the optimal solution for removing dandruff.

Do's and don'ts

Certain things you need to avoid in order to prevent dandruff. What are they?

* If you are the one who keeps switching shampoo brands frequently, then you should stop this habit now.

* Do not use moisturizing lotions on your scalp. Moisturizing lotions might make your hair smooth, but they are not good for the scalp.

* If you believe that excessive shampooing can help you get rid of dandruff, then you are thinking wrong. Limit the usage of your shampoo and use a good quality anti fungal shampoo.

* Brush your hair thrice a day which is essential for healthy hair and preventing your scalp from getting affected with dandruff.

Get a permanent riddance from the persistent problem of dandruff by applying the best dandruff shampoo for color treated hair.

Keto shampoo for all

You might get tempted and confused on seeing a wide range of shampoos in the online market. Do not buy a shampoo without having a proper information about it. Be selective while using an anti-dandruff shampoo. For your colored hair, it is advised to use Ketomac shampoo which is considered as one of the best anti-dandruff shampoos. This shampoo can be used on colored hair and non-colored hair with ease. Whether your hair texture is dry or oily, Ketomac shampoo will work best on all hair types.

Imperative components

The dandruff shampoo for color treated hair best is loaded with authentic and supreme ingredients such as teattree, lemon, neem, rosemary and grapeseed. The prime ingredient in this shampoo is Ketoconazole which exterminates dandruff in the first few applications. You will see positive results after a few days right after the use of the shampoo.

Order a fresh pack of Ketomac shampoo online to get relieved from the pesky dandruff.

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What to Wear on Your Next Summer Beach Getaway

Summer season may be months away, but it pays to plan way ahead. Most people probably are planning to flock local beaches or pools. Others may go on long-distance road trips with their families and friends to important summer destinations outside of their home states. Several others will perhaps their flights to exotic summer locations both inside and outside the country. If you are planning your summer vacation, make sure that you do so right away; summer may be coming to a close without you knowing it.

You should ensure that you dress up for the occasion. After eating products from a health food store for weeks or months, your body is now ready to hit the beach! Beach fashion, for the most part, involves wearing light apparel with lively colors. You want yourself to not just look good, but be as comfortable as possible. Your choice of outfit should reflect what summer is really all about: relaxation and enjoying the summer sun. So, before you pick any of those elegant bikinis and swimsuits, it is important to know first what will be the most comfortable one for you.

As such, below are the essential things that you must be wearing to be as fashionable as you can be on your summer getaway at the beach. They are categorized separately for men and women.

·         A pair of flip-flops is the most practical and useful footwear you can ever wear while you are walking on the beach.

·         Swimwear would depend on the activity you would be doing while you are at the beach. If you like to play sports by the seaside like beach volleyball or stay active for an hour or two by jogging, make sure that you wear something light so that you can move freely. If, however, you want to be active on the water itself by doing watersports like wakeboarding or surfing, make sure that you wear trendy swimwear like swimming trunks or board shorts.

·         Generally, your upper body clothing should be light and comfortable. Go for T-shirts or tank tops that are not too loose, not too tight. Make an effort to match its color with your swimwear.

·         As far as accessories are concerned, make sure that you protect yourself from sunburn. Ensure that you bring with you headgear, may it be a cap, or visor, or a simple cloth to serve as your bandanna. Don’t forget to bring sunscreen, too, and a pair of cool shades.

·         A pair of flops would be comfortable, but for a more summer feel, thong sandals with citrus-y colors would be great footwear. Make sure that it protects your feet from the hot sand. When not on water and roaming about, wedge sandals can be worn.

·         There are a lot of options for swimwear for hitting the beach during the day. It could be a two-piece bikini or any other swimsuit that can be worn based on your body type or preference. Flaunt those toned bodies you’ve all been crafting for months! Let other people know that you take care of your health and that you’re proud of your body. Eating those products from your favorite health food store do wonders, right?

·         Swimwear cover-ups with beautiful and colorful designs would be suitable if you are planning to go have a bite or a drink with your friends or enjoying nightlife by the beach.

·         Of course, don’t forget to accessorize yourself. A tote bag with lots of room for your essentials is one. To protect you from the sun’s harmful UV rays, sunglasses with big lenses and a wide-brimmed hat would come in handy. If you don’t fancy hats, a stretchy fabric headband can be worn instead. Sunscreen is likewise a must-have.

It is still good to be riding with the times when it comes to beach fashion, as trends for swimwear constantly fill the magazines and other online content during the summer. However, you shouldn’t compromise comfort when heading to the beach. This summer, your getaway must not just be relaxing, but memorable as well.

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Checklist for WeChat Promotion

What do You Need to Know about WeChat? How To Grow and Advertise Your Business in the Smartest Way? 

Tencent's WeChat, as China's biggest web-based social networking stage with 987 million Monthly Active Users, has clearly built up an interesting and rewarding model for development in what has turned into a 'WeChat Centric Society'. It is the bedrock of social correspondences in China and the stage you have to build up a nearness on as a feature of any far reaching methodology.

Here I need to investigate the key highlights of: 

•          Reasonable Advertising Strategy
•          Step by step instructions to Leverage WeChat as a Powerful Tool for Growth

The point is to enable you to arrive at educated decisions about China's main informal organization and how you can use it for development in an even minded manner. 

WHAT IS WECHAT'S VISION? 

Right off the bat It's critical to comprehend the vision and extent of this stage as a publicist with WeChat's definitive objective of being the authoritative 'one stop shop' for clients acknowledged in current China. This is a stage that provides food for clients day by day needs in a one of a kind way.

WeChat has turned into the bedrock of social correspondence and one of the most coordinated specialist co-ops on the planet. 

CONSIDER HERE A SHORT Once-over OF WECHAT SERVICES 

•          Content, Audio, Image Messaging
•          Live Video Sights
•          Minutes (similar to a FB News Feed)
•          Didi (Taxi requesting application implanted)
•          Dating Services
•          E-Wallet and Payment Services
•          Booking trips, film tickets and so on
•         Tencent News
•          Consolidated JD Shopping Channels
•          WeChat Stores
•          Smaller than normal Programs/Apps
•          WeChat Browser
•          Geolocation and Mapping Services

Tencent have either legitimately created WeChat administrations to provide food for client request or shaped rewarding associations (just like the case with DIDI and JD), to oblige the Chinese customer.

On the off chance that there is one thing western firms can gain from WeChat is their extra-standard capacity to address client issues and restrict.

This abundance of administrations and huge client number is an immense accomplishment and places WeChat in an exceptionally incredible position.

They would now be able to take advantage of their abundance of information for Business Development just as join forces with Global players hungry the world over to arrive at Chinese purchasers on the stage.

WECHAT PAY AS A POWERFUL INFRASTRUCTURE

When promoting items and administrations on WeChat it's essential to comprehend the e-wallet/WeChat installment framework. This is an advanced installment administration connected to a clients ledger for moment installment on the stage.

For publicizing items this loans itself frequently to 'Streak Sales' or 'Imprudent Purchasing'. The intensity of this installment is that it couples online business with informal communication. WeChat facilitated stores can be used to drive traffic and create deals all without leaving this stage.

Consider then that in-framework advertisements direct people to a WeChat facilitated store which takes into account an in-fabricated and moment installment. From numerous points of view a publicists dream.

The adequacy of promoting on WeChat is that clients don't leave the stage. This additionally implies you should improve content at each phase of the publicizing procedure (HMTL5 Format for WeChat).

Developing WECHAT FOLLOWERS THE KEY

This is the key for any new brand or business on WeChat. It's fundamental to comprehend that WeChat is a shut system, that is, clients can possibly observe posts and substance in the event that they are associated with you.

For substance to be noticeable you have to create and fabricate that network around your record. I see WeChat as a key gateway for offering data as well as drawing in to clients in Q&A, sending bulletins and at last giving impetuses to supporters to connect with your record.

The most dominant motivation is quality substance; what interesting offering, experiences and instruction would you be able to give to the end client? What will keep them coming back to your record and impart that much looked for wonders of brand steadfastness.

HERE'S SOME KEY TIPS FOR FOLLOWER GROWTH 

•          Keep Content Focused on Your Specific Niche
•          Set up yourself as a local master in your general vicinity
•          Give totally extraordinary experiences/offers that are just accessible from your record.
•          Consider HTML5 substance arranging for a far predominant client experience.
•          It sounds so clear yet remain exceptionally social, re-post and re-share client produced content on your page, carry buyers into the discussion and reward them for your doing as such.
•          Quality substance likens to shares on 'minutes bolsters', nothing is more dominant than P2P sharing among social gatherings. 

So what you have is a chicken/egg circumstance, how would you develop your supporters without that present base and social gathering.

Obviously you need substance to be seen outside of your system.

Source : MarketingtoChina.com, seoagency, technode, quora

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