Form Rd Department: Fill & Download for Free

Dear All,It has become a habit for me to document every process that I involved so that people who really wants to know about the process they can easily find out full info without much worries.I was like one of you earlier without knowing the complete details of this process. Believe me friends even Postal Department staff also do not have good knowledge over their schemes. So, I have collected all the relevant info with my own experience and documenting here for each one of your benefit.Firstly, it is important to have Postal SB account with the branch which you are comfortable.Ask for SB Account opening form in Post Office and fill the application with all your details properly.Once you fill the application form, you can affix the photos and sign-in appropriate places.You can also mention Nominee details at the time of Account Opening and your Nominee’s Aadhaar Card xerox copy(Self Attested one) is required and one person should also be there with you to sign for your Nominee as a Witness. So, better carry a known person along with you for this witness sign. You can change the Nominee details at any point of time at your home branch only.Now, you can submit the application form and enclosures at the counter.Post Master will verify the documents and if all the details are proper, they will ask you collect the SB Passbook on the same day evening or next day.Documents Required?Aadhaar CardPAN Card3-Passport Size PhotosThat’s it…!!! Your SB Account is now opened. SB interest rate is 4%. Minimum amount to maintain in order to keep your account active is Rs.500 /-.Now, it’s the time to open your RD Account…!!! I will share most of the details with my experience.This RD account opening is similar to SB account. But, you don’t need to submit Aadhaar, PAN again because your Aadhaar and PAN details are already registered with Postal Dept during SB account opening.You just need to fill the RD application form, affix the photos, sign-in appropriate places, mention nominee details and submit at the counter. You can collect the RD passbook same day evening or next day.When you open your RD account with any branch, you first decide if you are going to be in that place for next 5-years. Otherwise, it is better to open account in your native place itself. You can transfer the RD account wherever you want but this is all unnecessary work. If at all, if you want to get your RD transferred then visit the destination branch and submit the relevant documents(Always carry Aadhaar, PAN, Photos, RD Account passbook and more importantly Pen when you visit any financial institution) and get it transferred.Prior opening RD, you must have to decide on the installment amount as well. This RD is having lock-in period of 5-Years. Hence, you need to estimate whether the initial said EMI amount can be payable or not for next 5-years. Because, if you miss the EMI then you have to pay the penalty for it. So take care before choosing the EMI amount.How the penalty amount will be calculated?For example, your EMI is 10000/month. If you are missed to pay the EMI amount of 10000, then your penalty amount is Rs. 100 i.e for every Rs. 5 there will be Rs 0.05 penalty.Calculation is (10000/5)*0.05 = 2000 * 0.05 = 100.After 4-regular defaults, your account become discontinued and can be revived in next two months but if the same is not revived within this period, then no further deposits can be made.Also, you need to pay the EMI timely -if your RD account is opened before 15th of the calendar month, then you can pay your EMI up to 15th of every month. If you pay EMI on 16th, then penalty will be imposed on your account.If your account is opened after 15th of the calendar month, then you can pay your EMI up to end of the month.Kindly note, if you have paid advance installments, no need to pay the penalty. Let me explain clearly -Let’s say RD is for 5-years so 60-Months. You opened your account on 1st month and paid for 5-months. Now, during 6th month you have got your bonus hence got some bulk amount. So, during 6th month you have paid 4-EMIs at a time. So, technically you cleared 9-EMIs. This is called Advance Installment. Now, even if you don’t pay up to 9th month also no penalty will be imposed on your account. You can start paying from 10th month on wards. Otherwise, you can pay from 7th month on wards as well.If you would like to pay any advance installments then it would be better to pay 6-EMIs at a time. Because, there will be a rebate(discount) provided to you. This rebate amount calculation is as below -If your EMI is 10000 and paying 6-EMIs at a time will fetch you 1000.If your EMI is 10000 and paying 12-EMIs at a time will fetch you 4000.Also, when you want to pay any advance EMIs at Non-Home Branch, then it is not allowed. You can pay only up to Rs. 25000/day at Non-Home Branch. So, you will not get any rebate if you pay at Non-Home Branch. Hence, plan to pay advance EMIs(6 or 12) at your home branch only.If your advance installment is less than 6-EMIs then you can pay at any post office by paying 25000/day basis.Most important thing is, plan to open IPPB(India Post Payments Bank) account at your post office. Then, you can pay your RD at ease. You don’t need to visit the post office physically like earlier for paying RD. Also, no restrictions for paying advance EMIs.You can download IPPB app from play store and can register. Please note, once you register in one handset you shouldn’t get registered in another handset. If you try to get registered in another handset then your previous handset will get obsolete. So, in order to get your previous handset worked, you need to re-install the IPPB application again from play store.You can start RD with EMI minimum of Rs. 10/month or any amount in multiples of Rs. 5 /-. There is no maximum limit.Coming to the interest rate, All Postal schemes have the same policy. The interest rate which is there at the time of Account opening is fixed till the tenure ends. For example, if your RD interest rate is 7.3% at the time of account opening then it would be the same for next 5-years and Government changes do not affect your interest rate.RD interest rate is Quarterly Compounding one and you can calculate your maturity amount through the Online RD calculator - Recurring Deposit (RD) Calculator OnlinePlease do not try to open a RD account for Section 80C tax benefit purpose. RD will not fall under that category. Moreover, the interest earned on this RD is taxable.Also, it is not allowed to pay the EMIs more than 60. You might be affordable to pay more than 60 EMIs within 5-years. But, it is not allowed to pay more than 60-EMIs during 5-years lock-in period. Once, 5-years lock-in period is over, then you can extend your RD account for next 5-years on a year to year basis.Moreover, any number of RDs can be opened in any post office.For Post Office Official page, you can visit the following link - Post Office Saving SchemesThat’s all friends. I have explained as much as I can.Please do up vote if you really find my article helpful.Thanks,Gona RajaKumarSoftware Engineer@ TCS, AdibatlaHyderabad.

Gujarat University does not provide transcripts. You will need to get the transcripts from your college.Ask your college administration for transcript form. Mostly they’ll ask you to get it online.Get the printed form and fill it.Take all your original mark sheets for every semester including the passing certificate, along with the form and go to the student department.Hand over the form along with the fees. They’ll tell you to contact XYZ person.The concerned person will prepare the transcript on the same day. They will hand it over to you with principal's signature and college stamp in a sealed envelope.Take the envelope and go to Gujarat University. Unseal the envelope, and get a xerox of your original transcripts.Go to Admin block, 3 rd floor. Tell them you need to get your transcripts verified. They’ll charge 500 Rs and give you receipt (for this they’ll make you go to ground floor and then come back to them with the receipt)Show them the receipt, they’ll hand you over a form. Fill it with the asked details.Hand them over the filled form, original transcript and a xerox copy.Now, wait for 10–15 days. You can call them in between to ask if the verification is done. Tell them the receipt number and they’ll inform you if the verification is complete or not.All the best!!

WEll, most of us wants DC as they have entered finals for the first time in IPLs.The Mumbai is being consistent throughout the season.They have fulfilled all the criterias to being at the top throughout.Now look at positives and negatives of both.*Mumbai Indians*Strengths :-*Batting order is just awesome.I mean if not Rohit then qdk.Surya and ishan both in form.Even pandya brothers and pollard showing some heat 🔥.Overall a great balance.*Now bowling :-Nothing to say when you have boult and bumrah. ❤Both are best at any stage of innings.Now only department where they can lag Is spin department.Although rd chahar and krunal are good but DC unit is playing spin quite well.Now look at Delhi :-*With stoinis and dhawan their top order seems good. Very good as Shaw is out of form so they go with stoinis.Dhawan in this ipl (recent matches specially) 💥Mind blowing.Now point of concern for Delhi is their middle order.With pant,Iyer and Hetmyer are not in their best form. This is a major concern for Delhi their middle order is struggling as pant and Iyer are not in their best form so MI have a good advantage here.The best part about Delhi is their bowling unit and planning.Delhi have one of the best bowling order.Rabada and Nortje 🔥The main competition between two teams is their bowling unit.Although in spin department I will choose DC as Ashwin and Axar are more experienced and can turn the tables.Axar maintains the economy and can handy hitter as well and ashwin can take early wickets with his experience.On bowling department, MI has an upper edge in fast bowling with boult and bumrah although rabada and nortje are very good here too but MI has upper hand and in spin we have DC leading tables.Now it's up-to DC which option will be their 5th bowler either it can be Tushar deshpande, Pravin Dubey or Harshal Patel.Although stoinis will bowl minimum of two overs so let's see.DC planning is always their plus point but MI is MI.It will be a treat to watch the best teams of this IPL to play the finals.Although I will go with MI as they have shown an amazing example of teamwork and consistency throughout.