Passengers travelling by train face confusion when their ticket remains in the waiting list. In such a situation, they do not understand whether to prepare for the journey or not. Because the chart is made four hours in advance. Once the chart is made, preparations cannot be made in a hurry. Many people have to catch a train from a distance, so they leave home even earlier. To avoid this problem, you can find out yourself what is the probability of its confirmation as soon as you book the ticket. Know the easy way here.

The waiting time in trains increases from 200 to 300, while during festive seasons and holidays this figure increases even more. The waiting time reaches 500. Normally, the chances of waiting being confirmed during this period are less, as a passenger who books a ticket 60 days in advance cancels the journey in great distress. But on normal days, about 26% of waiting tickets are likely to be confirmed.

This is how confirmation is awaited.

After getting a confirmed ticket, about 21% of the passengers do not travel. Such passengers cancel their tickets. On the other hand, after the chart is prepared, about 5% of the passengers do not travel, their seats remain vacant. Thus, generally 26% of the total waiting tickets do not travel. In their place, the probability of waiting tickets being confirmed is 26%.

You can find out this way.

You can calculate your waiting number by looking at it this way, given that there are 72 seats in a sleeper or third AC coach, on an average, 17 to 18 waiting seats are likely to be confirmed per coach. This means, on normal days, there are likely to be 17 to 18 tickets. These passengers can get their tickets confirmed and get RAC or full seat.

Know the average score of the entire train like this

For example, most long-distance trains have 22 to 24 coaches. Apart from the engine and guard coach, four coaches are general. In addition, eight coaches are sleeper. Thus, 75 to 80 waiting in this coach are likely to be confirmed easily. Currently, the chart is prepared four hours before the departure of the train, but the railways is preparing to prepare the chart 24 hours before the departure of the train.

The post How many waiting tickets can be confirmed? How to find out as soon as you book, first appeared on Rightsofemployees.com.

If you often use balance check or autopayment through UPI, then this news is important for you. From August 1, 2025, you will neither be able to check your balance repeatedly from UPI apps nor will you be able to use the auto payment facility during peak hours. The National Payments Corporation of India (NPCI) has taken this step to save the network from load and provide better service to all users. There may be some difficulty in the beginning, but in the long run this change will prove to be beneficial for the users.

NPCI issued a circular on May 21 asking all banks and payment service providers (PSPs) to take necessary steps to ensure compliance with the new guidelines. NPCI has directed that by July 31, all banks and PSPs should restrict the 10 most commonly used application programming interfaces (APIs) running on the UPI network, such as checking balance, initiating autopayments, and checking transaction status. If these rules are not followed, action will be taken against the banks and service providers concerned.

After the implementation of the new rule, a customer will be able to check the balance only 50 times a day through the UPI app. To avoid repeated balance inquiries, NPCI has directed banks to send account balance information with every successful transaction. Experts say that this may cause some inconvenience to the business community, as they have to check the transaction status or balance repeatedly. But this change is a step towards making the UPI system more stable and accessible.

API transactions will be limited.

NPCI has clarified that during peak hours – 10 am to 1 pm and 5 pm to 9:30 pm – no API transactions will be allowed without the user’s permission. In addition, all PSPs will have to give a written assurance to NPCI by August 31 that they will queue API requests generated from the system and reduce their processing speed.

Autopayments will also be limited.
From now on, UPI autopayments (like for SIP, Netflix etc.) will be processed only during non-peak hours. A maximum of 1 attempt and 3 retries will be allowed for each autopayment, and that too only during non-peak hours. You can set up autopayments during peak hours, but it will be processed only during non-peak hours.

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Each document has its own importance. Just like PAN card is used for income tax and banking. Similarly, passport also has its own importance. If you have to travel abroad, then for that you must have a passport. You cannot go abroad without a passport.

If you have to get a passport made and you are worried about visiting government offices for this, then there is good news for you. In fact, now the government has made this whole process so easy that you can apply for your passport without any hassle. Now you can easily apply for a passport sitting at home. For this, you do not need to go anywhere else. Let us tell you what the whole process is.

How to apply for passport online…

You can apply for passport online from the comfort of your home. For this, you have to visit the official website of Passport Seva https://passportindia.gov.in . Go there and click on ‘New User/Register Now’. Then complete the registration by filling your name, date of birth, mobile number and email ID. After this, log in to the portal with the user ID and password.

After logging in, click on the ‘Apply for fresh Passport’ option. Then fill in your name, address and other required information and click on submit. After this, you will see the option of ‘Pay and Schedule Appointment’. By clicking on this, you can schedule an appointment at your nearest Passport Seva Kendra.

This is what you will have to pay…

After taking the appointment, you will get the payment option through net banking, debit card, credit card or UPI. If you are applying for a regular passport, you will have to pay a fee of up to Rs 1500. For an instant passport, you will have to pay additional money. After completing the payment, you will get a receipt, which you will have to download.

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US President Donald Trump has created a stir all over the world by starting a tariff war. He had also announced to impose 27 percent tariff on India but within 24 hours he also reduced it. According to the document released by the White House, the Trump administration has reduced the tariff imposed on India. The documents show that only India has been given this relief from the tariff imposed by the US on 60 countries of the world.

According to White House documents, the US has reduced the 27 percent tariff imposed on India to 26 percent. This tariff will come into effect from April 9 and will be imposed on all goods exported from India to the US. Earlier, while announcing the retaliatory duty, Donald Trump showed a chart showing that now India, China, UK and the European Union will have to pay duty on all their exports. The tariff on India has been reduced by 1 percent because the US has imposed only 50 percent of the tariff imposed by it on each country. If India collects 52 percent, it should have been imposed at the rate of 26 percent but it was imposed at 27 percent by mistake.

Tariff reform or relaxation

The chart released by the US shows that India collects 52 percent duty, which includes currency manipulation and trade barriers, and now the US will collect a concessional retaliatory duty of 26 percent from India. Earlier, the White House documents showed a 27 percent duty on India. It has been updated and reduced to 26 percent. However, looking at the documents, it seems that the US has not given this relaxation in the tariff, but has improved it. Anyway, industry experts say that a reduction of one percent will not have much impact.

US is the largest trading partner

The US was India’s largest trading partner from 2021-22 to 2023-24. The US accounts for about 18 per cent of India’s total textile exports, 6.22 per cent of imports and 10.73 per cent of bilateral trade. With the US, India’s trade surplus (difference between imports and exports) in textiles in 2023-24 was $35.32 billion. It was $27.7 billion in 2022-23, $32.85 billion in 2021-22, $22.73 billion in 2020-21 and $17.26 billion in 2019-20.

What makes the most exports

India’s major exports to the US in 2024 included pharmaceutical manufacturing and biological products ($8.1 billion), telecommunications equipment ($6.5 billion), precious and semi-precious stones ($5.3 billion), petroleum products ($4.1 billion), gold and others included precious metal jewelry ($3.2 billion), cotton ready-made garments including accessories ($2.8 billion) and iron and steel products ($2.7 billion). Similarly, imports included crude oil ($4.5 billion), petroleum products ($3.6 billion), coal, coke ($3.4 billion), cut and polished diamonds ($2.6 billion), electrical machinery ($1.4 billion), aircraft, spacecraft and their parts ($1.3 billion) and gold ($1.3 billion).

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Although property prices are continuously increasing across the country due to demand, there is one state which has increased the circle rate so much that there is a possibility of a 40 percent increase in property prices here. It has been decided to increase the circle rate of property in this state from 200 percent to 2000 percent. After this decision, the prices of both residential and commercial properties will increase.

In fact, the Gujarat government’s recent decision to drastically increase Jantri (circle) rates has raised concerns among real estate developers and buyers. According to News18, the new rates are going to be implemented from April 1. Due to this, concerns have increased in the real estate market about their potential impact on property prices. Industry experts have warned that real estate prices across the state could increase by as much as 40%.

Increase after many years

For the past several years, there has been no significant revision in the circle rates in Gujarat, which is the government’s benchmark for land valuation. The latest offer has seen a sudden increase of 200% to 2,000%. The decision could impact existing and future real estate projects.

What does the Gujarat market say?

CREDAI Gujarat Vice President Tejas Patel said that the real estate sector of Gujarat was performing well, but this decision has stopped many projects. The real estate market of Gujarat, which has an annual value of about Rs 55,000-60,000 crore. This includes many big companies like Adani, Godrej Properties, Mahindra Lifespace, Arvind Smartspace and Parshavnath. Obviously, the impact of this increase in circle rate will be seen on the projects of these companies as well.

The state government earns a lot of money.

The state government has already collected Rs 16,500 crore through stamp duty and registration fees in the financial year 2024-25. With the proposed circle rate hike, the prices of residential and commercial properties are likely to increase significantly, which may lead to a slowdown in market activity.

Still market demand

Gujarat has traditionally had lower property prices compared to major metropolitan cities in India, making it an attractive market for buyers. However, a sudden 40% price hike could make buying a home a daunting task for many. Experts believe the government may reconsider its decision or gradually increase it to reduce the adverse impact on the sector.

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The post Property Cost Hike: Property prices are going to increase one and a half times in this state, read full information first appeared on Rightsofemployees.com.

According to the bank, banking services will be temporarily closed on January 24 and 25 due to maintenance. This move will help provide a better banking experience to customers. Even before this, HDFC Bank had closed some services on January 17 and 18 due to maintenance.

HDFC Bank has announced that ChatBanking, SMS Banking and PhoneBanking IVR services will be under maintenance from 10:00 PM on January 24 to 2:00 PM on January 25 (total 16 hours). During this period, all these services will not be available to customers. UPI service will not be available on January 25. UPI service will be maintained on Friday. Services will be affected from 12:00 AM on January 25 to 3:00 AM (3 hours).

During this period, UPI transactions on HDFC Bank current and savings accounts, RuPay credit cards, HDFC mobile banking app and UPI services on TPAPs (Third Party Apps) will remain closed. Merchant UPI transactions will also be affected.

The bank has alerted its customers: HDFC Bank has sent this update to the customers through their registered email addresses. The bank has requested its customers to use other options during these dates and times. HDFC Bank says that this necessary maintenance is being done to further improve their service. However, customers are advised to make their financial plans keeping these dates in mind. Earlier on January 17 also, some customers did not get banking services. Then, customers faced problems in reloading Forex card through Forex prepaid card service, prepaid card netbanking and instant reload portal.

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Any citizen of India can apply for this. Actually, the government is encouraging people to do their own business. This loan is given to start non-corporate and non-agricultural business. Let’s know the details.

This scheme was started in 2015

PM Mudra Yojana was started in the year 2015. So if you want to start your own business, then you can apply for a loan through this scheme. Let us tell you that earlier a loan of 10 lakhs was given through this scheme. But in Budget 2024, the loan limit available under this government scheme has been doubled.

So let’s know who will get the loan.

Under the PM Mudra Yojana, the government gives loans in three categories. The first is Shishu loan, the second is Kishor loan and the third is Tarun loan. Through Shishu loan, you can start your business by taking a loan of up to 50 thousand rupees. There is no need for any guarantor for this. Through Kishor loan, you can take a loan of 50 thousand to 5 lakh rupees. Whereas, under Tarun loan, you can start a business by taking a loan of 5 lakh to 20 lakh rupees.

What is the interest rate on the loan?

If you apply for a loan under the PM Shishu Mudra Yojana, then there will be no need for a guarantor. No charge is taken for the processing of this type of loan. But there may be a difference in interest rates in different banks. The interest rate under this scheme is 9 to 12 percent.

For which business can you take loan?

Under PM Mudra Scheme, small shopkeepers can start small businesses like fruit and food processing units.

Who can apply for PM Mudra Loan

Any Indian citizen above 18 years of age can apply for this loan. Apart from this, the applicant should not have any bank default history. To take a loan, one must have a bank account. Keep in mind that the business for which you are taking the loan should not be a corporate entity.

Which documents will be required

• Aadhar Card
• PAN Card
• Address proof
• Passport size photograph
• Business plan
• KYC Documents
• Income Proof

Where can you apply for a loan?

You can apply for the Mudra scheme by visiting a nearby bank. Apart from this, you can also apply online. For more information, you will have to visit https://www.mudra.org.in/.

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The post Mudra Loan Scheme: Govt is giving loan up to 10 lakhs for business, apply like this first appeared on Rightsofemployees.com.

You will not have to spend much money to start this business. Even by investing just Rs 25000 in a year, you can earn lakhs of rupees every month. This business is of fish farming . The government is also focusing a lot on this business with the aim of doubling the income of farmers. In which financial assistance is also provided by the government.

To encourage fish farmers, the Chhattisgarh government has given it the status of agriculture. The state government is also providing the facility of giving interest free loans to fish farming farmers.

Earn big money from fish farming

The Central Government has also included fish farming through Kisan Credit Card (KCC). Farmers can increase their earnings by starting fish farming along with farming. Fish farming can be done in your own pond or by taking a pond on rent. The government provides loans to farmers under both the schemes. If you also want to start fish farming business, then you can use Biofloc Technique (Fish Farming Business by Biofloc Technique). Through this technology people are earning lakhs of rupees every month.

The Central Government has also included fish farming through Kisan Credit Card (KCC). Farmers can increase their earnings by starting fish farming along with farming. Fish farming can be done in your own pond or by taking a pond on rent.

The government provides loans to farmers under both the schemes. If you also want to start fish farming business, then you can use Biofloc Technique (Fish Farming Business by Biofloc Technique). Through this technology people are earning lakhs of rupees every month.

75 percent loan is available from the central government

The central government provides loan up to 75 percent of the total cost for fish farming. Fish farming can be done in both stagnant water and flowing water. This type of thing is done on the banks of a waterfall in the mountains. Fish farming is done in the plains in stagnant water. There is a fisheries department in every district, which provides all kinds of help to the fish farmers. Those starting a new job are also given training in fish farming. From here you can start fish farming business by taking training.

The post Business Idea: Start business with just Rs 25,000, you will earn Rs 6 lakh every year first appeared on Rightsofemployees.com.

If you start it thoughtfully and in a planned manner. In such a situation, his chances of being successful increase significantly. In this series, today we are going to tell you about a very wonderful business. In this business you have to do gold fish farming. By doing gold fish farming you can earn up to Rs 2 lakh every month.

Many people keep gold fish in their homes. Gold fish is associated with good luck. Gold fish are sold in the market at a very expensive price. In this episode, let us know about this business in detail –

If you want to start this business. In such a situation, it will cost you around Rs 1 lakh to Rs 2.50 lakh to start it. To start the business, you will have to buy a 100 square feet aquarium. You will get an aquarium in the market at a cost of around Rs 50 thousand. You will have to spend Rs 50 thousand to buy other things.

To do gold fish farming, you will also need seeds. Before buying seeds, you should know that the ratio of male and female should be 4:1. The fish will be ready to sell after 4 to 6 months of sowing the seeds. By farming these fish you can earn around lakhs of rupees every month.

The post Business Ideas: Start this business, you can earn up to Rs 2 lakh every month first appeared on Rightsofemployees.com.

There has been a substantial increase in the number of Indians traveling abroad in the last few years, which has increased the demand for passport related services. The Passport Seva Project (PSP) was launched in May 2010 in response to the growing demand. This was an initiative of the Ministry of External Affairs (MEA).

Passport application and issuance processes as well as other related services have been simplified by Passport Seva. Online passport applications require paperwork and physical verification to be completed by the state police.

Additionally, the passport is delivered directly to the applicant’s registered address. If you have made up your mind to apply for a passport and are also traveling abroad, then visit the Passport Seva website. Here’s a step-by-step guide on how to submit your passport application.

How to Apply Online for Passport:

• Visit the Passport Seva online portal portalindia.gov.in.
• Click on the “Register Now” option on the home screen to register for the portal.
• After registration, use the registered login ID to access the Passport Seva Online Portal.
• To apply for a new passport or to re-issue an existing passport, click on the “Apply” button now.
• Complete the form by entering all the required information and submit.
• Click on View Saved/Submitted Applications option.
• To pay the minimum fee for the service, click on the tab “Pay and Schedule Appointment” Note: All PSKs/POPSKs/POs have made online payment mandatory for scheduling appointments. The cost of regular application is Rs 1,500, while the cost of Tatkal passport is Rs 2,000.
• To print your transaction receipt after paying the cost by net banking or any other available method, click on the link “Print Application Receipt”.
• After submitting your application, you will also receive an SMS with the appointment information. The Passport Office will require this message as proof.
• Carry all the original documents submitted along with your application to the Passport Seva Kendra (PSK) / Regional Passport Office (RPO) on the designated day. Let us tell you that if you go to get the passport made by the normal process, then it may take 15 to 20 days.

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When both partners in a relationship work, it can be difficult to balance love with career. Modern romance often means no one is home to make dinner, and quality time can be hard to find. Here are some Ways to Balance Your Career With Your Married Life.

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