Latest news with #PANCard
Time of India
3 days ago
- Politics
- Time of India
Chhattisgarh issues strict exam guidelines: Early reporting, dress code, and ban on ornaments & gadgets
RAIPUR: The Chhattisgarh Professional Examination Board (CGPEB) has issued new guidelines for candidates appearing in its examinations. Candidates must report to their designated examination centres two hours prior to the exam. They are required to wear light-coloured, half-sleeved clothes and slippers. Women candidates are prohibited from wearing any ornaments in their ears. According to information from Vyapam, if admit card downloaded from the internet does not feature a photograph, candidates must bring two coloured passport-size photographs to the examination centre. Failure to comply with these instructions will result in candidates being debarred from the examination. Strict action will be taken against those found using unfair means, and their candidature will be cancelled. Candidates must arrive at least two hours before the examination begins to allow for frisking and identity verification. The main gate of the examination centre will close 15 minutes before the exam starts. For example, if an exam begins at 10 am, the main gate will close at 9:45 am. Candidates must adhere to these timings strictly. Candidates are prohibited from leaving the examination room during the first and last half-hour of the exam. Carrying any communication devices, electronic gadgets, electronic watches, purses, pouches, scarves, belts, caps, or similar items into the examination room is strictly prohibited. Candidates must print all pages of their admit card, using only one side of each page, as Vyapam's copy for each examination will be submitted at the centre. Along with the admit card, candidates must carry one original photo identity proof such as a Voter ID, Driving Licence, PAN Card, or Aadhaar Card for entry into the examination centre on the day of the exam. Candidates will be solely responsible for being denied entry if they fail to produce an original identity proof. Candidates may only use black or blue ballpoint pens to mark their answers in the examination hall. Any form of communication device, electronic equipment, electronic watch, or other such material is strictly prohibited. Purses, pouches, scarves, belts, and caps are completely forbidden inside the examination room. Candidates are advised to keep their admit cards safely as they will be required for selection and admission processes, and Vyapam will not re-issue admit cards. Candidates wearing religious or cultural attire must report earlier than the general reporting time at the examination centre. They will undergo additional security checks before being permitted to enter the examination hall.
Hans India
11-07-2025
- Politics
- Hans India
Bihar Deputy Chief Minister commends Supreme Court's decision permitting the use of SIR in the electoral roll
Bihar election roll news: The Deputy Chief Minister Samrat Choudhary on Thursday (July 10 2025) "welcomed" the move and said that "Its implementation was essential in order to make sure that just residents of the country are enrolled". "Bihar Deputy CM welcomes Supreme Court. Nobody interferes in activities of Election Commission. We provide only suggestions. We do not offer any advice. Supreme Court allows SIR of electoral roll which means that Aadhar Card, PAN Card and Ration Card can be considered as part of SIR" He said. Choudhary in Ranchi. After hearing several petitions regarding the current SIR electoral roll Bihar, Supreme Court on Thursday granted SIR Election Commission to continue with SIR and referred to it as an "constitutional directive". "The Constitution of India states it is only an Indian citizen is able to be an eligible voting citizen", Bihar Deputy CM statement on SIR further stated while declaring, "SIR drive should continue". Leader of the Party as well as BJP MLA of Saran, Rajiv Pratap Rudy also stated, "As per the constitution the polling body has the power to conduct electoral roll verification Bihar where elections are scheduled within the next three months. But the Opposition have taken the matter toward court to appeal the decision of Supreme Court, claiming that it's a method to distinguish voters who belong to a different caste or religion and a claim that is utterly untrue. It is true that the Supreme Court has not stayed the decision of the polling body". Its opposition Rashtriya Janata Dal leader and spokespersons, Mrityunjay Tiwari told media individuals, "We only wanted to include documents such as Aadhar Card, Ration Card and MNREGA card in the list to be used for Supreme Court electoral roll decision and also the Supreme Court has asked EC to include these. We have never claimed that SIR is not legal and should not continue. We are pleased with this Bihar politics Supreme Court decision asking the EC to include these cards in the SIR exercise".
Mint
10-07-2025
- Business
- Mint
Personal loan documents: Key differences for salaried vs self-employed applicants
In any loan, the documentation forms an important part. The documents are required to establish the borrower's identity, assess their creditworthiness, and for other purposes. In a personal loan, while the KYC documents are the same for most borrowers, the income documents are different for salaried and self-employed individuals. In this article, we will understand the various documents required for a personal loan and how they are different for salaried and self-employed individuals. Let us start by listing the various documents that are required for a personal loan. Some of these include the following. Duly filled application form KYC documents that include a photograph, photo identity proof, address proof, etc. Financial documents, etc. Let us discuss each of these documents. The borrower can apply for a personal loan online or the traditional way by visiting a bank branch. These days, most people opt for a digital personal loan as it can be applied for from anywhere. In this case, the individual must fill out the application form online on the bank's website or mobile App. Along with the online application, the individual must submit a soft copy of the documents. The other option for the individual is to apply for a personal loan the traditional way by visiting the bank branch. In this case, the individual will have to fill a physical application form and submit it with a photocopy of the documents. The individual must submit the Know Your Customer (KYC) documents with the application form. The bank needs to collect these documents to comply with the regulatory requirements for the KYC norms. If the individual submits a physical application form, they must affix a passport-size photograph on it. If an online application is being made, a soft copy of the photograph will have to be uploaded. Usually, the following documents are accepted as identity proof: PAN Card Aadhaar Card Driving Licence Passport Voter ID Card For identity proof, from the above list, if you are submitting any other document apart from the PAN Card, you must submit the PAN Card copy also. Usually, the following documents are accepted as address proof: Aadhaar Card Electricity bill Rent Agreement Driving Licence Passport Voter ID Card The electricity bill should not be more than 3 months old. The document must be valid at the time of submission. For example, if the borrower submits the Driving Licence, it should not have expired. Similarly, check the validity of the Passport at the time of submitting it. While the KYC documents are usually the same for most loan applicants, the financial documents are different for salaried and self-employed individuals. The bank requires a salaried individual to submit the following financial documents. Salary slips: A salaried individual must submit the salary slips along with the bank statement. Banks usually require the salary slips of the last 2 to 3 months. However, some banks may ask for salary slips of more than 2 to 3 months, as every bank has its own requirements. The bank uses the salary slip to assess the applicant's income and arrive at the personal loan eligibility amount. Apart from the monthly salary, the bank considers the other loan EMI(s) (if any), the debt-to-income (DTI) ratio to determine the loan eligibility amount. If the personal loan application amount exceeds the loan eligibility amount, the bank will offer a lower loan amount or reject the application. Suppose the personal loan application amount is lower than the loan eligibility amount. In that case, the bank will check the other eligibility criteria and decide whether to accept or reject the application. Minimum tenure with the current organisation: Some banks have a requirement that the individual should be working with the existing organisation for a minimum of the last 1 or 2 years. The requirement is to ensure the individual is steady in the existing organisation. The tenure with the existing organisation can be checked from the salary slip if the date of joining is mentioned on it. If the date of joining is not mentioned on the salary slip, the bank may ask the individual to submit a copy of the appointment letter. Salary account statement: The bank asks the applicant to submit the statement of the bank account where the salary is being credited. Usually, a 3 to 6 months statement is required, although each bank can specify its requirement. The transactions in the salary account are analysed to understand the applicant's spending behaviour. The statement gives an insight into how the salary is allocated towards wants, needs, savings, and investments. The bank statement also highlights if the applicant's cheque or EMI payment has been returned in the recent past. It reflects the applicant's credit behaviour. The above financial documents suffice in case of most salaried individuals applying for a personal loan. However, some banks may ask the individual to submit their Form 16 or Income Tax Return (ITR). Let us now look at the financial documents required to be submitted by a self-employed individual. Income Tax Return (ITR): The bank requires the self-employed to submit a copy of their Income Tax Return (ITR). The ITR requirement varies with banks, with some asking for the ITR of the last 2 years, whereas some may ask for the last 3 years' ITR. The ITR for the last 3 years gives an insight into how the individual's income has grown over the years. Bank statement: In the case of a self-employed individual, the monthly income can be uneven. In some months, the income may be high, while in some months, it may be low. The individual may be asked to submit the bank statement of the last 6 to 12 months. The statement helps the bank calculate the average monthly income. The bank statement also gives an insight into how the income is being spent and how much is being saved. Business documents: Many self-employed individuals run a business. In that case, the bank may ask for a copy of the business documents, like Registration Certificate, GST filings, profit & loss account, balance sheet, etc. The documents help the bank analyse the business performance regarding revenue growth, profitability, cash flows, debt, etc. We have seen the various documents required for a personal loan for salaried and self-employed individuals. While the above is a general list of required documents, each bank may specify its own requirements. It is important to check the list of documents required on the bank's website before approaching them for a personal loan. It helps you evaluate whether you have all the documents in place before applying. Being prepared will help you get the personal loan approved quickly. Also, if you have a pre-approved personal loan offer from a bank where you have an existing relationship, there will be low to no documents required, which may result in faster approval. Gopal Gidwani is a freelance personal finance content writer with 15+ years of experience. He can be reached at LinkedIn.
Time of India
01-07-2025
- General
- Time of India
JPSC ACF admit card 2025 released at jpsc.gov.in, exam scheduled for 13 July
Candidates can now download JPSC ACF hall ticket 2025 for July exam JPSC ACF admit card 2025: The Jharkhand Public Service Commission (JPSC) has officially released the admit card for the Assistant Conservator of Forest (ACF) examination 2025. Candidates who have applied for the recruitment drive can now download their hall tickets from the commission's official website – The JPSC ACF Exam 2025 is scheduled to be held on July 13, 2025, across multiple examination centres in the state of Jharkhand. The admit card is a mandatory document and must be presented at the exam venue, along with a valid photo identity proof. Candidates are advised to carefully verify all details mentioned on the admit card. Admit card contains important candidate and exam-related details The JPSC ACF admit card 2025 includes key information such as the candidate's name, roll number, exam date and time, address of the examination centre, photograph, signature, and exam day instructions. It is essential that all candidates download and carry a printed copy of their admit card, along with a valid ID proof like Aadhaar Card, PAN Card, or Voter ID. Candidates must report to their designated exam centre at least one hour prior to the reporting time. Use of electronic devices such as mobile phones, smartwatches, or any other gadgets is strictly prohibited within the examination premises. Steps to download the JPSC ACF admit card 2025 online Candidates can follow these simple steps to access and download their JPSC ACF hall ticket from the official website: Step 1: Visit the official JPSC website at Step 2: Click on the 'Admit Card' tab available on the homepage. Step 3: Locate and select the link titled 'JPSC ACF Admit Card 2025.' Step 4: Enter your Registration Number, Date of Birth, and the Captcha Code as prompted. Step 5: Click on the 'Submit' button and download your admit card. Take a printout for future reference. Diret link to download the JPSC ACF hall ticket 2025 for July exam JPSC ACF exam part of recruitment process for Jharkhand Forest Department The ACF examination is part of the recruitment process to select eligible candidates for the post of Assistant Conservator of Forest under the Jharkhand Forest Department. The selection process comprises a written examination followed by an interview. Candidates are advised to regularly check the official JPSC website for updates and notifications related to the exam and subsequent stages of recruitment. For more information, visit . Is your child ready for the careers of tomorrow? Enroll now and take advantage of our early bird offer! Spaces are limited.
Hindustan Times
30-06-2025
- General
- Hindustan Times
ICSI CSEET 2025: Appearing for exam on July 5? Check important instructions, tech specs required for computer & more
Jun 30, 2025 02:45 PM IST The Institute of Company Secretaries of India (ICSI) is all set to conduct the July 2025 session of CSEET on Saturday, July 5, 2025. The computer-based test (CBT) will be held through remote proctored mode, and candidates will be allowed to appear for the CSEET using their own laptop or desktop from home or other such convenient and isolated place. ICSI CSEET 2025: Check important instructions for the exam scheduled for July 5. (Representative image/HT File) However, they will not be allowed to appear in CSEET by using Mobile Phone, Tablet, Palmtop, etc. The ICSI CSEET Admit Card 2025 has already been released, and can be download by candidates using their Unique Id and Date of Birth. Also read: UP board 10th, 12th compartment exam 2025 date announced, check details here Notably, ahead of the exam, the ICSI released a list of important instructions that candidates need to strictly follow. In this article, we will look at these guidelines to help candidates be better prepared for the exam: Candidates must keep with them their Admit Card and Govt-issued Identity Card such as Passport, Driving Licence, PAN Card, UID Aadhaar Card, Voter Card handy for verification by the Remote Proctors for securing appearance in the Test. Failing to do so will not grant permission to take the Test. Additionally, candidates will not be allowed to keep any other document with them. Candidates should properly download, install and check Safe Exam Browser, SEBLite on their Desktop or Laptop beforehand as directed for the CSEET. SEBLite shall not be uninstalled till test has been completed and submitted successfully. In case candidate fail to download the Safe Exam Browser due to any reason they will not be able to start the test and no query in this regard will be entertained, ICSI informed. The mandatory requirements include: Properly installed SEBLite on the Desktop/Laptop having requisite technical, a stable internet connection (avoid hotspot or mobile or unstable internet source), fully charged laptop or power backup enabled desktop, adhering to the exam-day instructions, and appearing in the Mock Test. Candidates should login to the Test portal 30 minutes before the time specified for the commencement of Test. No candidate will be allowed to appear in the Test after completion of 15 minutes of the commencement of the Test. They will also not be permitted to finish the Test until the expiry of 90 minutes of the commencement of the test. No break (including bio-break) will be permitted during the Test. Candidates should secure a minimum of 40% marks in each paper, i.e., Paper 1, Paper 2, Paper 3 and Paper 4 separately, and 50% marks in aggregate of all papers put together for passing the CSEET. There will be no negative marking for wrong answers. Candidates are restricted to use mobile, earphone, headphone or any other gadget including Pager, Digital Diary, Scientific or Programmable Calculator, Blue Tooth, Palmtop, Smart Watch, Health Band, etc. They cannot refer book or use paper, pen/pencil, writing pad(s), note books, etc. There should be no presence of any other person in the room with the candidate once he/she is seated before computer for the CSEET. Taking photograph(s) of the screen/questions/answer option(s) is prohibited. Candidates must not read questions, answer options loudly. Candidates must not leave the work station without submission of the test. They should not have eye contact and focus out of screen. Impersonation during CSEET is prohibited. Also read: CTET 2025: Where to check notification, apply online when the process begins Things to ensure for remote-proctored exam Video and audio of the Laptop or Desktop are properly positioned and functioning and no earphone/headphones, etc. shall be permitted in the CSEET. Candidate must be seated for the CSEET in such a manner that his/her face and seating posture up to waist remain visible to the proctor all times during the CSEET. Candidates must sit in a secluded room or any other suitable quiet place with a chair and desk/table preferably with plain backdrop (area behind the candidate) with adequate lighting from the front. The place should be noise free with no other person/s in the surroundings except the candidate. No item except the computer, external webcam (if internal webcam is not available), keyboard, mouse, other permitted items, if any, should be kept on the desk/table, ICSI informed. Also read: AP DSC Recruitment Exam 2025 underway, know when answer key will be released and other details here Candidates can read more about the technical requirements and more on the official notice. For more details, candidates are advised to visit the official website of ICSI.
