Skip to main content


[ONLINE] How to Link Your Prepaid and Postpaid Mobile SIM with Aadhaar

Government of India has made it mandatory to link over 100 crore mobile phone connections with Aadhaar by 6th of February, 2018. This is a great initiative by the government, by linking all mobile connections with Aadhaar, a caller can be easily identified and tracked thus a huge amount of fraud and terrorism activities can be reduced.
What our government is looking for?Link all prepaid and postpaid mobile connections with Aadhaar via offline or online authentication. For offline, the subscriber has to personally visit the service provider's store and authenticate with his/her fingerprint (also known as biometric authentication) wherein online, the subscriber can do the online OTP based Aadhaar authentication.
All service providers in India including Aircel, MTS, Airtel, Reliance, Idea, Tata and BSNL started the linking process, you would have already received text messages and emails from your service provider by now.
A text message from Airtel reads as below:
Dear Customer, as per t…
Recent posts

JioPhone pre-order website went down within minutes booking started

Today, 24th of August 2017 at 5:30PM, Reliance was supposed to take JioPhone pre-booking but the website was not accessible.
Reliance is taking booking for its "effectively free" Android 4G phone online as well as offline, online via this website and offline via Reliance Digital Stores.

Most of the people who tried to register on their website got a server error as shown in the below screenshot.

Company website went down due to heavy traffic which the web server was not able to handle. Hopefully it will be up in few hours, if you want to be the early owner of JioPhone, you should keep try accessing the website and register once it is up. As per the information we have, the delivery of the orders will start by first week of September. on a first-come-first order.
Following are the features JioPhone is offering:

IO APPS: MyJio, JioTV, JioCinema, JioChat, JioMusic, JioXpressNews

VOICE ASSISTANT: Make calls, send messages, browse, launch camera and open JioTV, JioCinema, JioMusic and …

DIY: How to Configure Wireless Router for Spectranet FTTH Broadband Connection

Setting up a new wireless router for Spectranet or any other FTTH (Fiber to the home) broadband connection is very easy. You just need a mobile phone or a PC and the credentials provided by the service provider.
First you need to get the default SSID and password of your wireless router. I am using TP-Link TL-WR841N 300Mbps Wireless-N Router as a reference. You can find the default wifi credentials on the back side of the router. Connect your mobile or PC with the wifi, using the SSID and password. If you are using PC, you can directly connect the router with the PC using the Ethernet cable, you can skip the wifi setup steps.
Now access or or via browser and enter the default admin credentials which is "admin"/"admin" for TPLink routers. Please refer your router manual for the exact steps for that model.
Use the admin screen to change the default SSID name and wifi password.
Now connect the FTTH broadband cabl…

India: How to Install missing Amazon Prime Video App on Samsung Smart TV

Amazon Prime Video service, launched in India a year back, offers unlimited, ad-free Hollywood and Bollywood entertainment for just Rs.499 per year! We would say this is the best entertainment package currently available in India.
Apart from latest movies and TV shows, Amazon started offering exclusive local content made for Indian audience. You can watch them on your PC, Android and iPhone devices. Amazon Prime mobile app is powered with offline viewing as well as low bandwidth consumption, which is a great feature considering the average internet speed in India.
Generally people doesn't like watching movies and TV shows on smaller screens. People prefer bigger screens and Hi-Fi audio systems to get real theater effect. Unfortunately Amazon Prime Video is not available in most of the smart TVs available in India. One option is to useAmazon Fire TV Stick or similar casting device to watch the content on TV. But you would have already paid a premium amount to buy a smart TV, you won…

Paying High Interest Rate for your LICHFL Home Loan? Reduce it NOW!

Many people who have taken loan from LIC Housing Finance Ltd. (LICHFL) are complaining that they are being cheated by LICHFL by charging a high interest rate for the home loan they have taken few years back. When most of the public and private banks are charging only 8%-9% interest, existing borrowers of LICHFL are being charged 10% to 12% interest!

People are transferring there loan to most popular SBI Maxgain and other private sector banks, but the process involves time and money.
Why such a huge difference in interest rate?We checked the sanction letter of few and found that they have taken a floating loan which had a 'n' years fixed rate, for example, fixed rate for 5 years @ 10.15% p.a. and then at floating rate linked to LHPLR.

Fixed rate for 5 years @ 10.15% p.a. or as prevailing at the time of disbursement for the period of interest for the loan. After 5 years, the rate of interest will be reset with reference to the then prevailing floating rate of interest linked to LI…

How to fill FATCA Self-Certification of Declaration Form for your PRAN

Worried about the email received from NPS Trust(National Pension Scheme) asking you to submit self certification of declaration form for your PRAN (Permanent Retirement Account Number)? The email even says your account will get blocked temporarily from 1st of May 2017 if the declaration is not submitted by 30th of April 2017.

Don't get panic, financial institutions in India have to obtain self-certification from all bank, mutual fund and pension scheme account holders whose accounts were opened on or after July 1, 2014 and have to do a due diligence as part of Income Tax Rules. You are advised to submit the declaration form at the earliest so that your account is compliance with the local laws.

If you don't have NPS account, you can open one online, read Opening NPS account online - Step by step guide.
* Do you have a home loan? Learn how to reduce interest on your existing home loan (opens in new tab)
What is FATCA?FATCA stands for Foreign Account Tax Compliance Act, under Rule…

Top attractions in Singapore - 5 days Singapore Itinerary for December

This itinerary is based on the recent trip I made to Singapore. You may add/remove attractions based on your interests but make sure to spend enough time at each attraction so that you can absorb maximum out of your trip.

Day 1: Reach hotel in the morning, freshen up and then go for a Half Day City tour. Make sure to visit Merlion Park, Marina Bay, Chinatown, Mount Faber, Jewellery factory, Sri Mariamman Temple and Little India.

Once you are done with City Tour, head for Night Safari, it starts at 6PM, spend the evening there. Some shows might get cancelled due to rain. Day 2: Today  you will visit Sentosa Island, start early so that you will get enough time to enjoy the attractions. Start with Cable Car ride, then enjoy the SEA Aquarium. 

SEA Aquarium is huge, you will spend half day there. Enjoy other activities in this island such as Skyline Luge, Sky Ride, Eco Ride etc. Also you can try Tiger Sky Tower, Butterfly Park, Madam Tussauds, 4D Adventure Land etc. Day 3:Sentosa Islan…

Opening an NPS account online - Step by step guide

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…

PAN Number of SBI, LICHFL, HDFC, Axis Bank, Punjab National Bank etc. for Income Tax Filing

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

Why you should avoid PayTM - Pros and Cons of Digital Wallets

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 com…