Posted by Editor | 1/19/2017 11:05:00 pm | 0 comments »
With the recent announcement of additional income tax benefits, government pension scheme named National Pension Scheme(NPS) is getting more popularity. Since it is linked to equity, chances of getting returns higher than that of Public Provident Fund(PPF) is high, past years performance proves this theory.

If you are looking for income tax benefits, Rs.1,50,000 deduction is allowed under section 80CCD(1) and Rs.50,000 as per section 80CCD(1b).

Interested? Just follow the steps given below, you can open an NPS account in just 10 minutes!

Step#1: Navigate to and click on "REGISTRATION" link. 

Step#2: Select "New Registration" then "Individual Subscriber". You can register with "Aadhaar" or "PAN", let's do it with Aadhaar which is the easiest option as your photo and contact details will get populated from Aadhaar database.

Select Account Type as "Tier I & Tier II". Tier II is like a savings account, you can contribute and withdraw money n number of times, there is no additional charge for this. You must deposit a minimum of Rs. 500 in a financial year.

Enter your Aadhaar number and click on "Generate OTP". Enter the OTP received in your mobile(registered with Aadhaar) and click next.

Step#3: You can see your personal details populated already, add/update details as needed and click on "Continue Registration".

Step#4: Add/update your contact details and click on "Save & Proceed".

Step#5: Fill in "Other details" section. Next is the bank details, carefully enter your bank details and click on "Save & Proceed". 

Step#6: Here select your preferred scheme and investment option. If you are not a stock market expert, choose "Auto" and "Moderate" as investment option.

Do the same for Tier II account as well.

Provide nominee details and click on "Save & Proceed".
Step#7: Here you need to upload your photo and signature. Each should be less than 12KB in size, use Paint or Photoshop to reduce the size. Once done, click on "Confirm".

Step#8: Preview the details and if everything is OK, continue to payment section.

Step#9: Enter how much you want to contribute in each tier and click on "Confirm Payment". Please note you need to make a minimum of Rs. 500 in Tier I and Rs. 1000 in Tier II while opening the account. Also you need to make a minimum of Rs. 6000 to Tier I and Rs. 2000(balance) to Tier II in a financial year.

There is a transaction fee for making the payment online, net banking is the cheapest option, Rs. 0.60 + service tax.

Step#10: Accept the declaration and click on "Make Payment". You will be redirected to the payment gateway, make the payment via your desired payment method.

Step#11: On successful payment you will be presented with a screen where you can print/download the receipt. You can use it while filing income tax returns.

Also download the registration form, affix a passport size photo, sign it and send it to the address mentioned in the form within 90 days.

You will receive the NPS welcome kit within 1-2 weeks of filing the application.

You can make additional contributions by going to the above link. Just provide your PRAN number received in your email and your date of birth to authenticate yourself.

After successful registration, you will receive an email asking you to setup your IPIN and TPIN, follow the instructions and setup your PIN.

Once your IPIN is setup, you can view your account details on

That's it, you are now a proud NPS account holder!!!

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Posted by Editor | 1/08/2017 08:43:00 pm | 0 comments »

From 2016 onwards PAN number of the bank/financial institution is mandatory to avail income tax benefits from loss of house property(let out as well as self occupied).

Here you can find the PAN number of all popular lenders which you can put in your form 12BB.

The data provided is for your information only. We request you to validate this data with your bank/financial institution before filing tax returns.

Bank / Financial Institution

Permanent Account Number (PAN)

Allahabad Bank


Andhra Bank


Andhra Pradesh Grameena Vikas Bank (APGVB)


Andhra Pragathi Grameena Bank (APGP)


Axis Bank Limited


Bank of Baroda (BoB)


Bank of India (BoI)


Bank of Maharashtra (BoM)


BMW India Financial Services Private Limited


Canara Bank


Canfin Homes Limited


Central Bank of India


City Union Bank Limited


Corporation Bank


DCB Bank Limited




Dena Bank


Deutsche Bank


Dewan Housing Finance Corporation Limited (DHFL)


Federal Bank


GIC Housing Finance Limited


Haryana Gramin Bank


The Hazaribag Central Co-operative Bank Ltd.


HDFC Bank Limited


Himachal Pradesh State Cooperative Bank Limited (HPSCB)


Housing Development Finance Corporation Limited (HDFC)


ICICI Bank Limited


IDBI Bank Limited

AAACI1603C or AABCI8842G

Indian Bank


Indian Overseas Bank (IOB)


Indusind Bank Limited


J&K Grameen Bank


Jharkhand Gramin Bank


Kangra Central Cooperative Bank


Kotak Mahindra Bank Limited


Kurukshetra central Coop. Bank Ltd.(KCCB)


LIC Housing Finance Limited (LICHFL)


L&T FinCorp Limited


L&T Infrastructure Finance Company Limited


Oriental Bank of Commerce


PNB Housing Finance Limited


Power Finance Corporation Limited


Punjab & Sind Bank


Punjab National Bank (PNB)


State Bank of Bikaner and Jaipur (SBJJ)


State Bank of Hyderabad (SBH)


State Bank of India (SBI)


State Bank of Mysore (SBM)


State Bank of Patiala


Syndicate Bank


The Hongkong & Shanghai Banking Corporation Limited


TATA Motors Finance Limited


The South Indian Bank Limited


UCO Bank


Union Bank of India


United Bank of India


Vijaya Bank


YES Bank Limited


You can validate PAN number by providing the details on this link.

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Posted by Editor | 12/11/2016 11:29:00 pm | 2 comments »
With recent demonetization drive by the Modi government, wallet services like PayTM, MobiKwik, Freecharge etc. are becoming popular even among common people. Earlier wallet services were popular only with online shoppers but now even street vendors started accepting payment via wallets.

With these wallets, payment is just a button click for most of the services like bill payments, movie tickets and even money transfer to your friends and relatives. Some providers even allow you to use their services offline and also without a smart phone. So the possibilities are unimaginable, wait and watch for India being transformed to a "Cashless" and "Digital" India!

Till now I was talking about the advantages of wallet services, no doubt all of you will agree that this is the first step towards a cashless economy. Now the question is, how good our rules and regulations are around these wallet services? Does the law enforce a dispute resolution mechanism to resolve issues of common man against the service providers? If we don't have regulations around these digital services, let me warn you, people will loose trust, they will go back to cash transactions, which used to be the safest method for them for years.

Let me tell you an incident happened to me last week. I tried making an online payment for a merchant via PayTM. Since I didn't have enough balance in my wallet, I opted for top-up via saved credit card, which redirected me to my bank payment gateway. I authorized my bank to pay PayTM and the browser redirected me to the merchant site via PayTM. Unfortunately the transaction failed, merchant site showed me a failed transaction message. No problem, this happens sometimes.

Next moment got a message from my bank saying the said amount is deducted from my account. I checked my PayTM wallet, which didn't have any entry for the failed transaction which worried me little. Even if a transaction is failed, normally it appears in the transaction history. Since I didn't have any reference number, thought will wait till it appears in my Credit Card un-billed transactions. After 2-3 days, it appeared in my card statement, but there was no reference number, it had just "PAYTM MOBILE SOLUT INR WWW.PAYTM.IN" in it.

Then I thought I will check with customer care, as usual, went to their website and searched for their customer care number. To my surprise, I could not find a toll-free customer care number there! Everywhere they were redirecting to their help page, which was of no use. Finally, after spending few minutes on their page, found a number (9643979797) at the bottom of the screen written in small font. Dialed the number, as usual, many options, finally got one matching my issue, but again got stuck as they wanted the order number, which was never provided. Spent couple of minutes on all the options but could not find a way to talk to their customer care.

As a last option, did a google search and got an email id "", shooted a mail with the details. Thought at least I will get an automated reply, but no response from PayTm even after two days.

Another two days passed, to my surprise, got a mail from PayTM with subject "Payment confirmation received for Order R-59653-161205075347"! Finally got a confirmation from them saying my money is with them, a long sigh! And the mail said:

Hi there!

Your bank just confirmed a successful payment of Rs.1836.4 on Paytm against Order ID R-59653-161205075347. We will refund your money in case the order is cancelled. Please contact us at if you have any queries.

Paytm team

Now I have at least the order number to track, otherwise it was like writing on water. Waited for 3 more days and finally money got credited to my account!

You might be laughing at me, "hey, its a small amount and you already will be knowing, all failed transactions takes up to 7 days to credit". Yes, I know it, but I never had an experience were money got deducted but there is no reference number to track it! And now we are talking about common people using these wallet services, do you think they will have the same mindset as yours? For them, every penny counts, even if its for a day, money missing from their account is not a fun for them. Also not providing an option to talk to the customer care is NOT ACCEPTABLE.

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Posted by Editor | 9/18/2016 06:02:00 pm | 0 comments »
Recently while working on a Java + Spring + Hibernate + MySQL project I encountered a weird exception "java.sql.SQLException: Zero date value prohibited"!

As usual I did a quick search on Google but to my surprise Google did not return any result!

First I was scared, thought troubleshooting would be difficult. Upon closed analysis of the issue, this came out to be a silly data issue!

org.springframework.dao.TransientDataAccessResourceException: Hibernate operation: could not execute query; SQL [select field1, field2, field3 from table1]; Zero date value prohibited; nested exception is java.sql.SQLException: Zero date value prohibited.

I had a date column where the entries were '0000-00-00', just nullified the entries and the error went away!
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Posted by Editor | 9/06/2016 09:13:00 pm | 0 comments »
Getting the error "Failed to retrieve account attributes, certain console functions may be impaired" while trying to create a new RDS instance or while rolling up a new EC2 instance?

Don't worry, you are not alone. There are various reasons for this error to occur, sometimes due to missing permissions, sometimes due to account setup issues.

If you are getting this error on a new aws account, just wait for 2 to 8 hours, your account setup is not yet complete. And the reason could be the $1 auth on your credit card is not yet done. Just wait and re-try, you would be able to use your account without any issues.

If you are getting the error with an existing account, the error could be due to lack of permissions in access policies to the actions invoked by the the console. To fix this error, the IAM admin should provide necessary roles to the IAM user. Say for example you are getting error while setting up ElastiCache, add ec2:DescribeAccountAttributes and ec2:DescribeSecurityGroups roles to the IAM user.

Still having issues? Feel free to provide the details here or contact aws support.
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Posted by Editor | 7/18/2016 11:57:00 pm | 3 comments »
Pokemon or Pokémon Go, a trending game from Nintendo is not yet launched in India, still you can install and play the game on your Android phone. Want to know how?

Since Pokemon Go is not launched in India, you will not be able to see it in the Google Play Store. You can download the apk from third party sites but it is not advised to do so as those would contain malware which would steal your data and even corrupt your phone. We strongly recommend to use a VPN tunnel and download the game from Google Play Store itself.

First you need to install a VPN client such as 'TunnelBear' on your device. It is freely downloadable from Google Play. Once installed, open the application and select "United States" as target location from the drop-down and then activate VPN. This will change the location of your phone to US.

Now go to Google Play Store and search for "Pokemon Go". If the game is not listed, go to Settings->Apps->Google Play Store and clear the data and cache. Then re-launch Google Play, you will have to accept the terms and conditions once again as you have cleared the app data. Repeat the search, you will see "Pokemon Go" in the search result, download and install it on your device.

Now you can turn off the VPN and may uninstall TunnelBear. Open "Pokemon Go" and enjoy the game. As always, "Remember to be alert at all times. Stay aware of your surroundings"!

How to get more PokéBalls?

Of course the easiest way to get more PokéBalls is to spend PokéCoins by shelling out some bucks but that's not fun. You level up fast and fill up your Pokédex, each level up will give you a good number of Pokéballs. Another option to get more Pokéballs is to visit nearest Pokéstops. When you are near a Pokéstop, touch the blue icon which will give you details about that Pokéstop. Just spin the wheel to earn more Pokéballs and other items like PokéCandies.

My PokéBall freezes while trying to catch Pokémon, what to do?

This is happening with almost everyone intermittently. This could be a network/server issue. You just wait for the PokéBall icon on the top left corner to disappear, it's most likely that you will get your Pokémon in your Pokédox after restarting the game!
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