Unique identification number(UID) or Aadhaar(means 'foundation' or 'support') is a number which uniquely identifies a citizen of India and is linked to his or her demographic and bio-metric information.

Aadhaar is not only a proof of identity but also recommended as a mandatory document for government services like LPG, Employee Provident Fund(EPF) transfer and withdrawal etc. Also Aadhaar would be made mandate for food ration, medical treatments and other state government services.

Where to download Aaddhar Enrollment Form?

Aadhaar enrollment form is freely available at all enrollment centres. Also you may download it from UIDAI website. Some enrollment centres accept only forms in local languages, you may download them from the links provided below.

• Download Aaadhar Enrollment Form in English
• Download Aaadhar Enrollment Form in Hindi
• Download Aaadhar Enrollment Form in Kannada
• Download Aaadhar Enrollment Form in Malayalam
• Download Aaadhar Enrollment Form in Marathi
• Download Aaadhar Enrollment Form in Tamil

Can I fix Aadhaar appointment online?

UIDAI has started taking online appointment on a trial basis and is available only for the following states:

• Chandigarh
  1. Central Bank of India , Bank Square, SCO 68-69 Bank sq. , Chandigarh, Chandigarh, Chandigarh - 160017
  2. Central Bank Of India , Behind Aroma Hotel, 7/8 sector 22-c, Chandigarh, Chandigarh, Chandigarh - 160022
• Delhi
  1. New Delhi DC Office , 12/1, Jam nagar House, New Delhi, Delhi - 110001
  2. Matrix Processing House, Near MDH Masala Factory, 8/42 Kirti Nagar Ind. Area, Kirti Nagar, New Delhi, Delhi - 110015
  3. GF-58-59, World Trade Centre, Next to The Lalit Hotel, Barakhamba Lane, New Delhi, New Delhi, Delhi - 110001
  4. A-387, Dilkhush Industrial Area, Next to Vadhman Plaza,, G T Karnal Road, Azadpur, Model Town, North West Delhi, Delhi - 110033
  5. 1666/1, First Floor,, Amar Tower, Govindpuri Extension, Kalkaji, Kalkaji, South Delhi, Delhi - 110019
• Gujarat - Many places
• Haryana - Many places
• Himachal Pradesh - Many places
• Kerala
  1. Ambadi complex, RENGOLI, Tirur road, Opposite to village office, VALANCHERY, NEAR BUSSTAND, Tirur, Malappuram, Kerala - 676552
• Madhya Pradesh - Many places
• Maharashtra - Many places
• Punjab - Many places

Click here to fix an appointment online.

How to check my Aadhaar status?

You can check the status of your Aaddhaar at the Resident Portal.

What is eAadhaar card?

You have successfully enrolled for Aadhaar but not yet received your card? You may download a soft copy of your Aadhaar card called eAadhaar from the eAadhaar Portal!

Can I change my details once enrolled?

Yes, you may change your details online or offline. For changing the details online visit Aadhaar Self Service Update Portal. For downloading forms and instructions to change your details via post, visit Aadhaar Portal.

We wish you a successful Aadhaar enrollment! Feel free to share your experience with the Aadhaar enrollment process.

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Finance minister Mr. Chidambaram did not make any changes to the income tax slabs in his budget speech presented on 28th of February, 2013 except an additional 10% tax for the 'super rich' people and a small deduction of Rs.2000 for those under 5Lakh limit.

Also there are no major changes to the existing tax rules nor additions to save income tax.

Find below the tax slabs for 2013-2014:

Click here to know how to save maximum income tax

Income tax slabs - General Category for the FY 2013-2014

Income tax slab	Tax
0 to 2,00,000	No tax
2,00,001 to 5,00,000	10 percentage
5,00,001 to 10,00,000	20 percentage
Above 10,00,000	30 percentage

Income tax slabs - Women for the FY 2013-2014

Income tax slab (in Rs.)	Tax
0 to 2,00,000	No tax
2,00,001 to 5,00,000	10 percentage
5,00,001 to 10,00,000	20 percentage
Above 10,00,000	30 percentage

Income tax slabs - Senior citizen(60 to 80) for the FY 2013-2014

Income tax slab (in Rs.)	Tax
0 to 2,50,000	No tax
2,50,001 to 5,00,000	10 percentage
5,00,001 to 10,00,000	20 percentage
Above 10,00,000	30 percentage

Income tax slabs - Very Senior citizen(above 80) for the FY 2013-2014

Income tax slab (in Rs.)	Tax
0 to 5,00,000	0 percentage
5,00,001 to 10,00,000	20 percentage
Above 10,00,000	30 percentage

Additional changes to income tax rules for 2013-2014

Tax Credit of Rs.2,000 - A tax deduction of Rs.2,000 is allowed if the annual income is between 2Lakh and 5Lakh.

10% surcharge - A surcharge of 10% is applicable for individuals earning above Rs.1 Crore(classified as 'super rich')

Changes to Tax Saving Options

• Rajiv Gandhi Equity Savings Scheme - Section 80CCG - Increased the income limit to 12Lakhs and the period extended to 3 years.
• Section 80EE - New home buyers can declare additional 1Lakh interest if the cost of the property is below 40Lakh and the loan amount is below 25Lakh.
• National Children Fund - Section 80G now includes National Children Fund which exempts tax for donations paid to specified institutions.

Also read How to save maximum income tax

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Planning to sell your flat? Hold on, read this article carefully before finalizing the deal.

Even if you are making a good profit by selling your flat, keep this in mind that you will have to shell out a huge amount in terms of Capital Gain Tax as well as reversal of the Income Tax benefits you availed on the Principal and Interest on your home loan!

Capital Gain Tax - Short Term and Long Term

If you are selling the property within three years of purchase(possession), the profit earned comes under Short Term Capital Gain(STCG). The gain from the sale is added to your income and taxed as per your tax bracket.

If you are selling your property after three years, the profit earned is taxed under Long Term Capital Gain(LTCG). In this case, the tax calculation is bit complex, don't worry, you can find all the details in the next section.

Tax Calculation for Long Term Capital Gain

The effective tax on LTCG is 20% but is calculated considering the inflation. The original purchase price is multiplied by Cost Inflation Index(CII), issued by Central Board of Direct Taxes, to calculate the current market price of your property.

Cost Inflation Index for the current financial year is 852.

Formula to calculate LTCG

LTCG is calculated using the below formula:

LTCG = Sale Price - Indexed Purchase Price

Where,

Indexed Purchase Price = Purchase Price X (CII for 
the year of Sale /CII of year of Purchase)

Cost Inflation Index(CII) for last four financial years given below:

2009-10 - 632
2010-11 - 711
2011-12 - 785
2012-13 - 852

Illustration

In May 2009, Mrs. Suchitra bought a flat from a reputed builder in Bangalore for Rs.50L. After three years and six months, she sold her property for a profit of Rs.20L. She will have to pay Rs.51,898 as Long Term Capital Gain Tax as per the below calculation:

Purchase Price: Rs. 50L
CII of year of Purchase - 632(financial year 2009-2010)
CII of year of Sale - 852(financial year 2012-2013)
Indexed Purchase Price = 50,00,000x(852/632) = 67,40,506
LTCG = 70,00,000-67,40,506=2,59,494
Tax with Indexation = 2,59,494x20/100=51,898

Reversal of Income Tax Benefits on Home Loan

If you are selling your property before completing three years, as per the Income Tax Act, the income tax benefits availed in previous years will be reversed. The amount deducted will be added to your taxable income in the year of sale and taxed as per your tax bracket.

Selling Under Construction Property

Under-construction property does not comes under Capital Gain as the property does not belong to you but only the right to purchase.

How to Save or Reduce Capital Gain Tax?

There are various options available in the Income Tax Act to save Capital Gain Tax.

1. Purchase Another Residential Property - Profit earned from selling a property is exempted from tax if it is re-invested in another residential property within two years(three years if under-construction) of sale or constructed another house within three years of sale. Note that you should not own more than one property to avail this exemption.
2. Invest in Capital Gain Bonds - The gain form the sale could be invested in Capital Gain Bonds(Section 54EC) issued by National Highways Authority of India(NHAI) and Rural Electric Corporation Ltd(REC) which are exempted from tax. There is a lock-in period of three years and a maximum limit of 50Lakhs(per financial year) and the investment needs to be made within six months of sale.

Disclaimer: The information provided in this article is for information purpose only. Please consult a tax expert for all your tax related queries.

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Getting too many marketing calls and SMS on your phone?

Don't worry, Telecom Regulatory Authority of India(TRAI) has put up strict regulations on unsolicited tele-marketing calls and messages and ordered all telecom companies to implement web based unsolicited commercial communication complaint lodging system via its "The Telecom Commercial Communications Customer Preference Regulations, 2010".

As per this rule, "telecom consumers who do not wish to receive unsolicited commercial call or SMSs, may register their preference(s) on National Customer Preference Register(NCPR)."

How to Block Marketing Calls and SMS on my Mobile Phone?

First step to block unsolicited calls and SMS is to register with NCPR, also called as Do Not Disturb(DND) registry.

You may call 1909 and request to add your number to the DND registry or send an SMS to 1909 in the below format:

START [OPTIONS]

where OPTIONS is the block categories as below:

• 0 - All Categories
• 1 - Banking / Insurance / Financial products / credit cards
• 2 - Real Estate
• 3 - Education
• 4 - Health
• 5 - Consumer goods and automobiles
• 6 - Communication / Broadcasting / Entertainment / IT
• 7 - Tourism and Leisure

For example, if you want to block Real Estate and Health related promotional calls SMS START 2,4

If you want to remove the block, send STOP to 1909.

You will receive a unique registration number within 24 hours of the registration and the status can be tracked with this link.

I am still receiving marketing calls. What to do?

If you are receiving promotional calls even after registering with DND, you may register a complaint with your service provider as below. Please note that you should wait for 7 days after registering with DND before making a complaint.

You may call 1909 and provide the detials to the operator or send an SMS to 1909 in the below format:

the unsolicited commercial communication, 
XXXXXXXXXX, dd/mm/yy

where XXXXXXXXXX is the number from which you received the call or message. The space between the fileds is not mandatory. An example message given below:

You have won $50000 reply for details, 
8888888888, 11/01/13

Please note that the complaint must be made within 3 days of receipt of the marketing call or message. This is applicable to both mobile and land line users.

You may check the complaint status using this link.

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At the end of the financial year you need to submit your home loan statement to the Income Tax Department to avail tax benefits.

You can save tax on the Principal paid under Section 80C and on the interest under Section 80E. Section 80C limits the maximum saving to Rs.1 Lakh where Section 80E allows up to Rs.1.5 Lakhs.

For more details on the tax savings options on home loan read our article How to save maximum income tax.

How to generate loan statement online?

Generating Provisional Interest Certificate Online is very easy. Log on to your State Bank of India account using this link and go to Enquiries->Home Loan Int. Cert. Select your home loan account and download the Tax Certificate for your income tax filing needs.

Housing Loan Interest Certificate for Maxgain accounts

SBI Maxgain account is an innovative offering from SBI, which ideally is an overdraft account, allows you to park your surplus funds into this account and thus reduces your interest burden.

You can operate a Maxgain account like any other Savings or Current account, download statements, transfer funds online etc.

Only problem with this account is you cannot generate Housing Loan Interest Certificate online. You have to go to your home branch where you availed your loan and request for an interest certificate to claim tax savings.

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LIC Housing Finance Limited(LICHFL), one of the largest housing finance companies in India, is inviting applications for the post of Assistants with a pay scale of 7400 – 455 - 7855 – 495(2) - 8845 – 560 (5) -11645 – 650 (2) – 12945 – 790 (3) -15315 - 825(2) – 16965.

Graduates with a minimum of 45% marks aged between 21 and 35 can apply for this post. Knowledge in Computer Operations is an added advantage.

There are 100 vacancies reported as below:

REGION	Likely number of vacancies
Central Region	10
Eastern Region	8
Northern Region	20
South Central Region	10
South Eastern Region	12
Southern Region	15
Western Region	25
Total	100

Your Basic Pay will be in the scale of 7400 – 455 - 7855 – 495(2) - 8845 – 560 (5) -11645 – 650 (2) – 12945 – 790 (3) -15315 - 825(2) – 16965 and gross salary will be approximately Rs. 13,000/- p.m. inclusive of all allowances. Benefits like PF, Gratuity, Group Mediclaim, Medical Benefit, LTC, etc. and other fringe benefits like Sodexho coupons will be payable as per rules of the company.

If you are eligible for the post, you need to undergo a written test followed by an interview.

You need to apply online on LICHFL Career Site which will be open from 7th of January 2013 till 22nd of January 2013. The written test will be conducted on 17h Feb 2013.

How to Apply Online?

Download Axis Bank Pay In Slip, take a print and go to your nearest Axis Bank. Make a payment of Rs. 350 and get the unique transaction ID from the bank.

Now go to this link and click on Apply Online link. You will be asked to provide the transaction ID and your name. Enter the details and submit the form.

On successful submission of the details, you will be asked to provide further details and upload a passport size photo of yours.

Submit the form after filling all mandatory fields and take a printout of the acknowledgement slip. Sign the acknowledgement slip and send it to the below address along with the original LICHFL fee payment challan copy, which must be received by LICHFL by 2nd of February 2013. Send the receipts only via Ordinary post, do not use Courier or SpeedPost services.

The Advertiser, Post Bag No 781, Circus Avenue Post Office, KOLKATA – 700 017

Good luck!

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