Earned Leave Proforma (Punjabi)

 

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HRA

 

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Old vs New Tax Regime

Comparison of 2 Tax Regimes (Old Vs New)

Old Tax Regime

•             It encourages investment in tax saving instruments

•             Existing income tax deductions are allowable

•             Standard deductions and Professional tax are deducted from income

•             This tax regime is more beneficial for income up to Rs.15 Lakh.

               New Tax Regime

•             It discourages investments to save tax

•             No existing deductions are allowable

•             No deduction permissible for Standard Deduction & Professional tax

•             This tax regime is more beneficial for income above Rs.15 Lakh.

important highlights of the New Income Tax Regime for F.Y 2020-21

1.           Standard Deduction on Salary income is not allowed anymore;

2.           Professional Tax also not allowed under the new tax regime;

3.           Deduction on account of Income from House Property i.e. interest on the self-occupied house    not allowed now;

4.           Set off of carried forward losses and Depreciation are not permitted now;

5.           Deductions for any allowance are not allowed now;

6.           Main deductions U/S 80 C, 80 CCC, 80 D, 80E, 80 U, 80 G and etc. are not allowed under the    new income tax regime.

Old Tax Regime for General Taxpayers up to 60 Years of Age

Sl No     Tax Slab(             Tax Rate              Income Tax

1             Income up to 2,50,000   0             Nil

2             2,50,00 to 5,00,000         5%          Taxable Income X 5%

3             5,00,001 to 10,00,000     20%       12,500 + (TI –5,00,000) X 20%

4             More than 10,00,000      30%       1,12,500 + (TI –10,00,000) X 30%

All Deductions are allowed under the Old Tax Regime

New Tax Regime for General Taxpayers up to 60 Years of Age

Sl No     Tax Slab              Tax Rate              Income Tax

1             Income up to 2,50,000   0             Nil

2             2,50,00 to 5,00,000         5%          Taxable Income X 5%

3             5,00,001 to 7,50,000       10%       12,500 + (TI –5,00,000) X 10%

4             7,50,001 to 10,00,000     15%       37,500 + (TI –7,50,000) X 15%

5             10,00,001 to 12,50,000  20%       75,000 + (TI –10,00,000) X 20%

6             12,50,001 to 15,00,000  25%       1,25,000 + (TI –12,50,000) X 25%

7             More than 15,00,000      30%       1,87,500 + (TI –15,00,000) X 30%

No Deductions are allowed as per New Tax Regime

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Income Tax Calcultor FY 2019-20 AY 2020-21

Income Tax Calcultor FY 2019-20 AY 2020-21

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Casual Leave Proforma

Casual Leave Proforma for Punjab Schools



CASUAL LEAVE DOWNLOAD

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community-based participatory research (CBPR)

In simplest terms, community-based participatory research (CBPR) enlists those who are most affected by a community issue – typically in collaboration or partnership with others who have research skills – to conduct research on and analyze that issue, with the goal of devising strategies to resolve it. In other words, community-based participatory research adds to or replaces academic and other professional research with research done by community members, so that research results both come from and go directly back to the people who need them most and can make the best use of them.

There are several levels of participatory research. At one end of the spectrum is academic or government research that nonetheless gathers information directly from community members. The community members are those most directly affected by the issue at hand, and they may (or may not) be asked for their opinions about what they need and what they think will help, as well as for specific information. In that circumstance, the community members don’t have any role in choosing what information is sought, in collecting data, or in analyzing the information once it’s collected. (At the same time, this type of participatory research is still a long step from research that is done at second or third hand, where all the information about a group of people is gathered from statistics, census data, and the reports of observers or of human service or health professionals.)

At another level, academic or other researchers recruit or hire members of an affected group – often because they are familiar with and known by the community – to collect data. In this case, the collectors may or may not also help to analyze the information that they have gathered.

A third level of participatory research has academic, government, or other professional researchers recruiting members of an affected group as partners in a research project. The community members work with the researchers as colleagues, participating in the conception and design of the project, data collection, and data analysis. They may participate as well in reporting the results of the project or study. At this level, there is usually – though not always – an assumption that the research group is planning to use its research to take action on an issue that needs to be resolved

ON THE PRACTICAL SIDE, COMMUNITY-BASED PARTICIPATORY RESEARCH CAN OFTEN GET YOU THE BEST INFORMATION POSSIBLE ABOUT THE ISSUE, FOR AT LEAST REASONS INCLUDING:

•          People in an affected population are more liable to be willing to talk and give straight answers to researchers whom they know, or whom they know to be in circumstances similar to their own, than to outsiders with whom they have little in common

•          People who have actually experienced the effects of an issue – or an intervention – may have ideas and information about aspects of it that wouldn’t occur to anyone studying it from outside. Thus, action researchers from the community may focus on elements of the issue, or ask questions or follow-ups, that outside researchers wouldn’t, and get crucial information that other researchers might find only by accident, or perhaps not at all

•          People who are deeply affected by an issue, or participants in a program, may know intuitively, or more directly, what’s important when they see or hear it. What seems an offhand comment to an outside researcher might reveal its real importance to someone who is part of the same population as person who made the comment.

•          Action researchers from the community are on the scene all the time. Their contact both with the issue or intervention and with the population affected by it is constant, and, as a result, they may find information even when they’re not officially engaged in research.

•          Findings may receive more community support because community members know that the research was conducted by people in the same circumstances as their own

When you’re conducting an evaluation, these advantages can provide you with a more accurate picture of the intervention or initiative and its effects. When you’re studying a community issue, all these advantages can lead to a true understanding of its nature, its causes, and its effects in the community, and can provide a solid basis for a strategy to resolve it. And that, of course, is the true goal of community research – to identify and resolve an issue or problem, and to improve the quality of life for the community as a whole

In the personal development sphere, CBPR can have profound effects on the development and lives of the community researchers, particularly when those who benefit from an intervention, or who are affected by an issue, are poor or otherwise disadvantaged, lack education or basic skills, and/or feel that the issue is far beyond their influence. By engaging in research, they not only learn new skills, but see themselves in a position of competence, obtain valuable knowledge and information about a subject important to them, and gain the power and the confidence to exercise control over this aspect of their lives.

Some prime examples:

•          The environment. It was a community member who first asked the questions and started the probe that uncovered the fact that the Love Canal neighborhood in Niagara Falls, NY, had been contaminated by the dumping of toxic waste.

•          Medical/health issues. Action research can be helpful in both undeveloped and developed societies in collecting information about health practices, tracking an epidemic, or mapping the occurrence of a particular condition, to name three of numerous possibilities.

•          Political and economic issues. Citizen activists often do their own research to catch corrupt politicians or corporations, trace campaign contributions, etc.

WHY WOULD YOU USE COMMUNITY-BASED PARTICIPATORY RESEARCH?

•          People will speak more freely to peers, especially those they know personally, than to strangers.

•          Researchers who are members of the community know the history and relationships surrounding a program or an issue, and can therefore place it in context.

•          People experiencing an issue or participating in an intervention know what’s important to them about it – what it disrupts, what parts of their lives it touches, how they have changed as a result, etc. That knowledge helps them to formulate interview questions that get to the heart of what they – as researchers – are trying to learn.

IN SUMMARY

Community-based participatory research is a process conducted by and for the people most affected by the issue or intervention being studied or evaluated. It has multiple purposes, including the empowerment of the participants, the gathering of the best and most accurate information possible, garnering community support for the effort, and social change that leads to the betterment of the community for everyone

As with any participatory process, CBPR can take a great deal of time and effort. The participants are often economically and educationally disadvantaged, lacking basic skills and other resources. Thus, training and support – both technical and personal – are crucial elements in any action research process. With proper preparation, however, participatory action research can yield not only excellent research results, but huge benefits for the community over the long run.

Della Roberts worked as a nutritionist at the Harperville Hospital. As an African American, she was concerned about obesity among black children, and about the fact that many of Harperville’s African American neighborhoods didn’t have access to healthy food in stores or restaurants. She felt that the city ought to be doing something to change the situation, but officials didn’t seem to see it as a problem. Della decided to conduct some research to use as a base for advocacy.

Della realized that in order to collect accurate data, she needed to find researchers who would be trusted by people in the neighborhoods she was concerned about. What if she recruited researchers from among the people in those neighborhoods? She contacted two ministers she knew, an African American doctor who practiced in a black neighborhood, and the director of a community center, as well as using her own family connections. Within two weeks, she had gathered a group of neighborhood residents who were willing to act as researchers. They ranged from high school students to grandparents, and from people who could barely read to others who had taken college courses.

The group met several times at the hospital to work out how they were going to collect information from the community. Della conducted workshops in research methods and in such basic skills as how to record interviews and observations. The group discussed the problem of recording for those who had difficulty writing, and came up with other ways of logging information. They decided they would each interview a given number of residents about their food shopping and eating habits, and that they would also observe people’s buying patterns in neighborhood stores and fast food restaurants. They set a deadline for finishing their data gathering, and went off to learn as much as they could about the food shopping and eating behavior of people in their neighborhoods.

As the data came in, it became clear that people in the neighborhoods would be happy to buy more nutritious food, but it was simply too difficult to get it. They either had to travel long distances on the bus, since many didn’t have cars, or find time after a long work day to drive to another, often unfamiliar, part of the city and spend an evening shopping. Many also had the perception that healthy food was much more expensive, and that they couldn’t afford it.

Ultimately, the data that the group of neighborhood residents had gathered went into a report written by Della and other professionals on the hospital staff. The report helped to convince the city to provide incentives to supermarket chains to locate in neighborhoods where healthy food was hard to find.

The group that Della had recruited had become a community-based participatory research team. Working with Della and others at the hospital, they helped to determine what kind of information would be useful, and then learned how to gather it. Because they were part of the community, they were trusted by residents; because they shared other residents’ experience, they knew what questions to ask and fully understood the answers, as well as what they were seeing when they observed.

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Request letter to change minor account to major account

From

.......................

........................

........................

To

The Bank Manager,

..........................Bank,

...............................

................................

Respected Sir / Madam,

Sub: Request letter to change minor account to major account

I have opened an account of (Name) when he was student at the age of (.............). Now he is 18 years old. So I wish him to change his account to a major account with all features and issuance of Internet Transaction facility and debit card. Please kindly do needful. I have attached account details and proof of age.

account number: ......................................

Thanking you!

Attachments:

1. Xerox copy of bank passbook

2. Proof of age, Aadhaar card.

Yours faithfully,

(...................................)

Date: .................................

Place: .................................

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HRA CALCULATOR

How much of my HRA is exempt from tax?
The entire HRA received is not always fully exempt from tax. The least of the following three will be taken to exempt from tax:

• HRA received from your employer
• Actual rent paid minus 10% of salary
• 50% of basic salary for those living in metro cities
• 40% of basic salary for those living in non-metro cities

you can use the calculator below

HRA Calculator

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Sub-Castes under SC/ OBC Category in Punjab

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Punjab NEET UG Expected MERIT LIST 2017

To know your Neet UG 2017 Rank

leave a message with your email id

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Read Punjabi & Regional Fonts on Android

Download & Install WPS office for Android

Download ES File Explorer & install

Enable show hidden files

Open folder Android\data\cn.wps.moffice_eng\.cache\KingsoftOffice

"eng" means English version of KingsoftOffice. For other language there will be other text.

If there is no such folder, you are using old version of this software. It is recommended to update KingsoftOffice and follow the tutorial. If you still want to use old version open KingsoftOffice folder.

open folder .fonts

copy the font you want in this folder.

 put the package into sdcard/android/data/package/cache:/kingsoft/font.

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FA - 3 NOVEMBER 2016 Sample Papers

Sample papers for FA -3 exam
class - 1st to 5th
all subjects

Download

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MDM daily Register & Cash Book

MDM daily Register & Cash Book


For Primary and Middle

Download

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SA 2 Sample Papers for Class 1 to 4

SA 2 Sample Papers for class 1 to 4 for Primary Schools of Punjab

SAMPLE PAPERS

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Applying for PRAN

1. All the entries in the form should be in capital.

2. Use black ball point pen only.

3. Paste your photographs at the space given in the form size (3.5" X 2.5") 
4. Sign with the black pen within the space given under the pasted photographs.

5. MICR Code of the bank could be inquired directly from the concerned bank or from this link MICR CODES

6. You can nominate maximum 3 members of the family and minimum 1.

7. If these nominees are adult no need to give there complete bio data. Only relationship and percentage of share will be mentioned and vice versa. 

8. If you nominate 1 member share will be 100% . If you nominate 2 members share can by 70-30, 50-50, 80-20 or any number but there sum should be 100 percent.

REGARDING SECTION D 

No need to fill the scheme detail as it is default for government employees in tier I account.

NOTES – 

Prepare two copies of CRSF 1 form (can be had from following link CSRF1 ) and documents one set (total one set is to be attached)

1. Photo is not to be attested.

2. Paste two photos on form at concerned place and attach two photos with form in an envelope.

3. First DDO will sign and check it, then Treasury office, then District Treasury office and then the form will be submitted to Finance Commissioner at Forest Complex, Mohali.

ATTACHMENTS - 

1. Copy of order (Both state and district level)

2. Copy of joining report

3. Copy of pan card

4. Matric certificate showing date of birth

5. Address proof (Adhaar card)

6. 4 Passport size photos

7. Most urgent, a self declaration of not having applied for PRAN before.

(Can be downloaded from this link   Self Declaraion)

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Online College Admission System - Haryana

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E-Cigarettes

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NPS Tier 1 and Tier 2 Account Differances

Tier 1 NPS Account

The first account is called Tier 1 NPS Account, and the Tier 1 Account is mandatory for all central government employees. It is mandatory for them to contribute 10% of their basic salary plus DA plus DP every month towards this account, and the government matches this contribution. 

•  it is necessary to invest 80% of your money in an annuity with Insurance Regulatory Development Authority (IRDA) if you withdraw before age 60. You can keep the remaining 20% with you.
• When you attain the age of 60, you have to invest at least 40% in an annuity with IRDA; the remaining can be withdrawn in lump-sum or in a phased manner.
• There is a minimum that you have to commit to investing in NPS, and for the Tier 1 account that minimum is Rs. 6,000 per year.

Tier 2 NPS Account

• You are free to withdraw your money from the Tier 2 account any time that you want without any penalties.
• Minimum amount for opening Tier 2 account is Rs. 1,000 and minimum balance required at the end of the year is Rs. 2,000. You need to make at least 4 contributions in a year.

1. there are no tax benefits to Tier-II account
2. Tier-II is optional and allows any number of withdrawals and is usually opened if you have surplus cash.
3. However, you cannot open a Tier-II account unless you have a Tier I account.

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Instructions for filling NPS Form

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मोटापा एवं अनेक रोगों से मुक्त होने का अचूक उपाय

मोटापा एवं अनेक रोगों से मुक्त होने का अचूक उपाय...!

मेथी दाना -250 ग्राम ,
अजवाइन-100 ग्राम ,
काली जीरी -50 ग्राम ।

कृपया ध्यान दीजिये यंहा काली जीरी लिखा है जो आयुर्वेद की दूकान में करीबन 200 किलो मिलती है पाठक अपने मन से दवैका विश्लेषण ना करावें

उपरोक्त तीनो चीज़ों को साफ़ करके हल्का सा सेंक लें ,फिर तीनों को मिलाकर मिक्सर मेंइसका पॉवडरबना लें और कांच की किसी शीशी में भर कर रख लें । रात को सोते समय 1/2 चम्मच पॉवडर एक गिलास कुनकुने पानी के साथ नित्य लें ,इसके बाद कुछ भी खाना यापीना नहीं है ।इसे सभी उम्र के लोग ले सकते हैं
फायदा पूर्ण रूप से 180-90 दिन में हो जायेगा ।
लाभ :-
इस चूर्ण को नित्य लेने से शरीर के कोने -कोने में जमा पड़ी सभी गंदगी (कचरा )मल और पेशाब द्वारा निकलजाता है ,फ़ालतू चर्बी गल जाती है ,
चमड़ी की झुर्रियां अपने आप दूर हो जाती है ,और शरीर तेजस्वी और फुर्तीला हो जाता है ।
अन्य लाभ इस प्रकार हैं ----------

1. गठिया जैसा ज़िद्दी रोग दूर हो जाताहै ।
2. शरीर की रोग प्रतिकारक शक्ति को बढ़ाता है ।
3. पुरानी कब्ज़ से हमेशा के लिए मुक्ति मिल जाती है ।
4. रक्त -संचार शरीर में ठीक से होने लगता है ,शरीर की रक्त -नलिकाएं शुद्ध हो जाती हैं ,रक्त में सफाई और शुद्धता की वृद्धि होती है ।
5. ह्रदय की कार्य क्षमता में वृद्धिहोती है ,कोलेस्ट्रोलकम होता है ,जिस से हार्ट अटैक का खतरा नहीं रहता |
6. हड्डियां मजबूत होती हैं ,कार्य करने की शक्तिबढ़ती हैं ,स्मरण शक्ति में भी वृद्धि होतीहै ।थकान नहीं होती है ।
7. आँखों का तेज़ बढ़ता है ,बहरापन दूर होता है ,बालों का भी विकास होता है,दांत मजबूत होते हैं ।
8. भूतकाल में सेवन की गयी एलोपैथिक दवाओं के साइड -इफेक्ट्स से मुक्ति मिलतीहै ।
9. खाना भारी मात्रा में या ज्यादाखाने के बाद भी पच जाता है (इसका मतलब येनहीं है कि आप जानबूझ कर ज्यादा खा ले) ।
10. स्त्रियों का शरीर शादी के बाद बेडौल नहीं होता ,शेप में रहता है ,,शादी के बाद होने वाली तकलीफें दूर होती हैं ।
11. चमड़ी के रंग में निखार आता है ,चमड़ी सूख जाना ,झुर्रियां पड़ना आदि चमड़ी के रोगों से शरीर मुक्त रहता है ।
12. शरीर पानी ,हवा ,धूपऔर तापमान द्वारा होने वाले रोगों से मुक्त रहता है
13. डाइबिटीज़ काबू में रहती है ,चाहें तो इसकी दवा ज़ारी रख सकते हैं।
14. कफ से मुक्ति मिलती है ,नपुंसकता दूर होती है,,व्यक्ति का तेज़ इस से बढ़ता है ,जल्दी बुढ़ापा नहीं आता ,। उम्र बढ़ जाती है |
15. कोई भी व्यक्ति ,किसी भी उम्र का हो ,इस चूर्ण का सेवन कर सकता
है,मात्रा का ध्यान रखें ।

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