INSPIRATIONAL ARTICLES

SEASONAL FOODS FOR THE GOOD HEALTH

2022-11-21T08:35:00.002-08:00

Seasonal foods (Regimen)

We have to eat foods as per summer, rainy seasons and other times. From this we will give correct proteins to our body, details are below :-

· Grishma Ritu (Summer) (Baisakh, Jeth) it is in April, May and June months in every year :-

Include bitter, astringent, sweet, cooling, light and liquid foods in the diet for example rice, green gram, finger beans, pulses, mango, pomegranate, buttermilk, onion. Drink plenty of water and liquid preparations made from tamarind, kokum, unripe mango, falsa, foeniculum seeds, coriander seeds and leaves, mint leaves like panna, kokum sherbet etc.

· Varsha Ritu (monsoon season ) (Ashadh-Shravan) it is in June, July and August months in every year :-

Eat salty, sour, light and sweet foods with fats such as oil ghee, butter etc for example pulses, rice, moraiya (a local grain eaten in fasts), green gram, yam, pomegranate, sesame oil, fenugreek seeds (methi), asafoetida (hing), bishops weed seeds (ajwain etc. eat green leafy vegetables after adding plenty of ginger, black pepper to avoid indigestion.

· Sharad ritu (autumn season) (Bhadrapad, ASO) it is in August, September and October of every year :-

Ear astringent, sweet, cooling and light foods for example jamun, rice, pulses particularly green gram dal, banana, milk, sugar, ghee, amla.

· Winter season (Shishir and hemant ritu) (Kartik, Margshirsh, Posh, Maha) it is in every year of October to January months :-

Eat sweet, Salty, sour, energy giving heavy greasy foods, wheat, black gram, tuver, banana, guava, rice, tubers, ghee, milk and milk products, fenugreek, amla, seasonal vegetables etc. Eat foods rich in energy like laddoos, edible gum, dry fruits etc.

· Vasant ritu (Fagun, Chaitra) it is in February and March month of every calendar year :-

Eat astringent, bitter, pungent, light, heat producing, dry, foods in small quantity eg dal, rice, chapatti, green gram, puffed and flaked rice, Bengal gram, dates, jiggery, bitter gourd etc.

Try to eat as per season foods because keep healthy and enjoy the season wise foods/vegetables.

I am sharing my Opinion on this.

ABOUT HEALTH or HOW TO MAINTAIN THE HEALTH

2022-11-21T08:31:00.002-08:00

About Health

How to keep healthy this was one major question to every working personal, either he is working in corporate world either he/she is working in Govt. Organisation either else house holds. Then take a simple steps to keep healthy :-

· Health is a State of balance and happiness.

· We must wakeup early in the morning a little before sunrise.

· Drink 2-4 glasses of safe drinking water.

· Go to the toilet.

· Clean the teeth using any paste. This will make the teeth strong and protect from oral diseases.

· Massage the body with mustard or sesame oil

· Exercise or do suryanamaskar till sweat beads from on borehead and armpits.

· Take a warm water to bath. Use water boiled with neem leaves in rainy season, with nagod leaves in winter and with butea flowers in summer.

· Rub the wipe the body dry and wear clean clothes according to seasons.

· Wash the hair with cold water, using a decoction made from soap nut, shikakai and amla. Apply oil in hair and rub the same on soles.

· Meditate for a while before you sleep.

· Sleep early, but at least two hours after dinner. Sleep on a clean bed with head toward south or east.

· Wash your hands, feet and face before eating.

ü Eat in clean utensils and place. Eat when you are hungry, in a peaceful state of mind. Eat with interest in food.

ü Eat a light, freshly cooked breakfast.

ü Lunch when the sun is exactly over head, around 12.00 noon. This facilitates digestion of food.

ü Eat food which has a balance of sweet, sour, salt, pungent, bitter and astringent tastes.

ü Have dinner before or a short while after sunset.

ü Have a betel leaf with digestive herbs like mint, foeniculum, cinnamon etc should be taken after meals.

ü Drink Buttermilk at the end of meals and milk at the end of the day.

How to maintain healthy :-

Eat daily nutrition foods like All cereals and tubers, nuts, sugar, Jaggery, Oil, ghee, butter etc are give energy to our body.

v All Pulses, milk and milk products, groundnuts, meat, eggs, fish etc. to help in growing and maintaining wear and tear of body.

v All Vegetables and fruits, milk and milk products, egg, meat, fish, cereals and pulses prevent illness.

v Green leafy vegetables, jiggery, all pulses, liver, meat, germinated pulses, cereals like bajri(pear millet), and citrus fruits like lemon, amala and guava from eating these food to keep our blood red.

v Milk and milk products, dark yellow and orange vegetables and fruits like pumpkin, papaya, carrot from these foods to make our eyes bright.

v Milk and milk products, cereals, pulses, banana, meat, eggs, etc. these foods make our bones strong.

From these food we need to eat daily. Boys and girls, men and women, in all life stages need to eat foods from all the above said groups. Eating food to keep us healthy and fit so that we are able to work in every place. But do not discriminate between boy and girl.

Age wise food requirements are also very important like new born baby or infancy children’s should eat below said foods:-

v Breastfeed the newborn immediately after birth. Feed colostrums to the newborn as it makes the baby strong. The baby should be exclusively breastfeed for six months of age.

v At six months of age, feed the baby girls and boy, soft, mushy foods, with plenty of body building and energy rich food cooked at home.

v Continue feeding the infant various types of food, several times during the day. Include foods from all the three groups.

v Continue feeding the child energy rich foods even during sickness. Feed the child one extra meal, for a week after the illness.

v In the child hood feed the girl and boy, foods from all the three groups, particularly energy rich foods, frequently during the day.

v Give body building and energy rich foods requently. Girls should be given food that keep the blood red. In adulthood women and men should eat foods from all the three groups, based on the work they do.

v During pregnancy women should eat foods that keep the blood red, eyes bright and provide energy. After childbirth and during breastfeeding, a woman should eat foods that provide energy and keep the blood red. Older people should eat foods that provide energy, keep the bones strong and are soft cooked.

Vitamin A Deficiency :-

Child complains about poor eyesight in the dark. Eyes become dry and the white portion looses shine and becomes wrinkled. Grey bubble patches are formed in white portion of eyes.

è Five doses of Vitamin A are given to children from 6 months to 3 y3ars of age at the any Anganwadi Center or in nearest Hospitals.

è Breast feed the child for two years. From six months of age, feed foods that keep the eyes healthy.

Home remedies to keep healthy :

Ø If you have nausea and vomiting problem : Soak a teaspoonful of foeniculum seeds (saunf which one add in our eating pan also) (variali saunf) in a clay vessel, at night. In the morning, mash the soaked foeniculum, add sugarcandy as per taste and drink it on an empty stomach. Drink plenty of fresh butter milk, lemon juice, curd (yogurt) and coconut water.

Ø Heat Exhaustion : Drink at least 10-12 glasses of water and also other fluids frequently like lemon water, butter milk etc., Drink ¼ th cup of onion juice or eat 1 onion before moving out in the sun. Or boil one unripe mango and squeeze its pulp. Mis it in 2 glasses of water add roasted jeera powder, salt, jiggery / sugar and min leaves. During it several times during the day.

Ø Skin infection and allergies : Boild Margosa (neem) leaves in water till the water turns yellowish green (water and neem leaves taken according to the need). Use this water for bathing and washing the affected part. Or rub the inner bark of the need trunk on a clean stone and prepare a paste. Apply this paste on the affected part. Or apply coconut oil on the affected part in case there is itching on the skin.

Ø Respiratory / Breathing Problems : Eat ½ tea spoon of gooseberry (Amla or nellikai) powder with honey or water. Eat them in plenty during change of season, in any form.

Ø Cough and difficult breathing : Take a plant of Kanteri (Bhoin ringni, Solanum xanthocarpum) Chop it and boil it in water till it halves in quantity. Drink this in the morning on an empty stomach, till the problem subsides. If there is a lot of sputum, boil 3-4 leaves or Ardusi (Malabar nut) in a cup of water, till half the quantity remains. Drink this on an empty stomach in the morning and at night.

Drinking hot water and doing salt water gargling helps.

When there is congestion, boil water and add bishops seeds (ajwain). Inhale the steam.

Ø For Aches and Pains : Boil leaves of nagod (vitex negundo). When it becomes lukewarm, pour it on the affected area. You may heat leaves of castor (errand) and tie them on the affected part.

Keep healthy and Our health is in our Hands only.

I am shared my Personal Experience and Personal Opinion on this.

ABOUT CHANDRA BHAGAWAN

2022-11-21T08:30:00.000-08:00

About Chandra Bhagawan

Chandra (also called as a Soma in Samskrit Language) is the Hindu god. Chandra symbolizes the Light of Devotion, as it nurtures life with the ebb and flow of its soothing cool rays. Chandra individualized consciousness as it manifests through the mind and emotions. It is the feeling nature that unites the body with the soul. The word "Chandra" literally means "bright, shining or glittering" and is used for the Moon in Sanskrit and other Indian languages. It is also the name of various other figures in Hindu mythology, including an asura and a Suryavanshi king. It is also a common Indian name and surname. Both male and female name variations exists in many South Asian languages that originate from Sanskrit. Chandra plays an important role in one of the first novel-length mystery stories. Lord Chandra or Moon god is one of the most important planets impacting the horoscope of every person. The ruling deity of planet Chandra, the moon or Soma is the ruler of people's minds. The influence of planet moon in the horoscope of a person can give many favourable results as well as some unfavourable results.

According to Harivansha Purana moon was the handsome son of Sage Atri and was nurtured by the ten Dishas(directions). Moon married the daughters of Daksha Prajapati. They were 27 in number. The names of these daughters are the 27 Nakshatras of the Zodiac. Moon visits each of them for one day in rotation. But he showed Rohini, one of the 27th wives undue favors. He also ran away with the Wife of Brihaspati the Deva Guru. Daksh the father in law cursed Moon to suffer from consumption, a gradual decay. Mercury was born a result of interaction of Moon with the wife of Brihaspati. According to western concept Moon is considered as Virgin Mary of the Roman Catholics and nourishing mother of the heavens. She is the queen of the night also called Luna (Diana). Diana is the twin sister of Apollo. She governs chastity as well as fertility.

Those who have moon location strong or in good position in Kundali It is seen that a strong Chandra will be good for the below mentioned significations and a weak moon will cause some deficiency of the same. they like

1) Intelligence : they are intelligent persons

2) Perfumes : they like perfumes

3) Sleep : they love to sleep or take rest.

4) Happiness : they are always happy people

5) Liquids : they work or in business of liquid items.

6) Pearls : they like always white pearls.

7) Salt items eating

8) Mind

9) Fondness of Curd : they love to eat curd

10) Eating

11) Facial Luster

12) Good Fruits

13) Fish and other Aquatic beings

14) clothes.

It is seen that a strong Chandra will be good for the above mentioned significations and a weak moon will cause some deficiency of the same.

The Moon reflects the Sun’s light according to the lunar phases, reminding the Earth that, on Purnima (the full Moon) the mind is fully reflecting the light of the soul and on Amavasya (the new Moon) the body, (represented by the Earth) is blocking the light from reaching the mind.

In like manner, creativity is influenced by the Moon cycles. Amavasya represents the moment of creation, when the sperm meets the egg. Purnima is the fructification of that seed. The Moon’s tidal influence is also responsible for controlling the flow of water which provides growth and healing as well as the medicinal potency of plants and herbs.

One of the famous temple of Moon/Chandra/Soma is Hindu temple in the village of Thingalur, 33 kilometres (21 mi) from Kumbakonam on the Kumbakonam - Thiruvayyar road in the South Indian state of Tamil Nadu. The presiding deity is Soma (moon). However, the main idol in the temple is that of Kailasanathar or Shiva. The temple is considered one of the nine Navagraha temples in Tamil Nadu. Thingalur is the birth place of Appothi Adigal an ardent devotee of saint Thirunavukkarasar, though the temple has no assets related to the saint.

Chandra Beej Mantra is : “OM SOM SOMAYA NAMAH”

“OM SHRAAM SHREEM SHRAUM SAH CHANDRAYA NAMAH”

“OM PADMADWAJAYA VIDHMAHE HEMA ROOPAYA DHEEMAHE THANNO CHANDRA PRACHODAYATH”.

Chandra Dhyan Mantra :

Shvetambharah Shveta Vibhushanascha Shveta Dhuyatir Dandadharo

Dvibahuhu Chandro Mrutatma Varadhah Kireeti Mayi Prasadam Vidhadhatu Devah.

I travelled my Home city Gulbarga via Bangalore to Tamil Nadu Moon (Chandran) Temple.

Temple complete Address is :

Suriyanar Temple,

Thiruvidaimarudur,

Aduthurai,

Pin cod 612102 Tamil Nadu

and

You can use these GPS Co-ordinates also it is exact to temple gate :

11.03078^ON and 79.47775^OE

When we decide to visit all temples then we hired one Local Guide to show all temples and he shown all Navagraha Temples in one day (our journey started at morning 7.00am to night 9.00pm and he dropped to our destination) to my entire team and charged very normal price. I am totally impressed with his attitude and his support to public those are visit to temples. If you are decided to visit to Navagraha Darshan at Tamil Nadu then you contact and hire this guy he is very good, familiar and he know the Tamil, Hindi & English Languages. Because first time when I visited that time I suffered from language and locality problem, that’s why I am suggesting. So, visit the temple and take blessings from Surya Narayana.

I am shared my Personal Experience and Personal Opinion on this. His contact no : 9791-64893 and 95668-87216 (C.R.Moorthy)

About Samsung note 10 lite

2022-11-21T08:16:00.000-08:00

About Samsung note 10 lite

Why should I buy note 10 lite ?

Before this I am using the Samsung mobile. But I am not happy from that so I Switched to Note-10 lite. Because my friend is using this phone I am attracted from the features.

If need to Experience - SPEN features (which makes this phone special)

Samsung entry level flagship phone and features.

If you are really looking for lightning performance high gaming and Super Selfie photos then please don’t buy.

Regarding Updates :

Writing my experience after using the phone for around a month. It is bit long review, but I have to write it since it is my first entry level flagship phone so please bear with me

PROS: -

SPEN is the highlight . Believe me It is all together different experience. Loads of features and Uses like sketch , day to day work , editing gets easlier .Very helpful for creative/professional folks.

-Look is amazing specially the Aura glow colour makes it more beautiful.

-Does not feel that uneasy even though the phone is heavy.

-Lot of features available specially because of one UI 2.1 . It took lot of time for me to figure out all the small but useful features , You can watch YouTube videos to get to know about all these One UI features.

-Finally you get 3.5 mm audio jack in flagship phone.

Configures : -

Finger Print scan could have been faster but Accuracy is up to the mark

-Face unlock lacks accuracy and not works every time.

-Occasionally Finger print / face unlock does not appear while phone is locked and have to unlock the phone with PIN code. Not sure why ? But it is strange.

-Selfee pictures look over processed / not natural

-Sometime feels like Speaker sound gets block as it is positioned at the bottom right corner but speaker sound is good enough.

-Few might face difficulty to operate the phone in one hand as it is bit on the heavier side

Mobile average : -

Battery life seems to be quite average (considering 4500 mah battery). If you are a heavy/moderate user you may have to charge 2 times or even more depends the uses. (I think it is very enough for me)

-Processing is good if not the best (For 8GB variant) . Specially who loves high end gaming may not find easy with the performance.

-For me camera is fine since I hardly take pictures/videos but for those who is more into photography or Videographer may not get satisfied with the camera performace.

Final Conclusion :

For me this phone is 4 star as I almost knew all the cons before buying this phone and I bought this phone only to experience the SPEN.

If you are not fund of gaming , camera is not your top priority and can compromise little bit with the performance then this phone can be a good choice.

But if really I would rate this phone on overall I would have my opinion it is costly.

At the end thank you for reading my review. Hope it will be helpful for those who wants to know/purchase this phone.

Specifications

General

In The Box	Handset, S-Pen, Non-removable Battery Included, Earphones, Travel Adapter, USB Cable, User Manual
Model Number	SM-N770FZSNINU
Model Name	Galaxy Note10 Lite
Color	Aura Glow
Browse Type	Smart phones
SIM Type	Dual Sim option
Hybrid Sim Slot	Yes
Touch screen	Yes available
OTG Compatible	Yes
Quick Charging	Yes

Display Features

Display Size	17.02 cm (6.7 inch)
Resolution	2340 x 1080 Pixels
Resolution Type	Full HD+ ( I loved it)
GPU	ARM \| Heimdall MP18
Display Type	Super AMOLED Infinity-O Display
Display Colors	16M

Os & Processor Features

Operating System	Android 10
Processor Type	Exynos 9810
Processor Core	Octa Core
Primary Clock Speed	2.7 GHz
Secondary Clock Speed	1.8 GHz

Memory & Storage Features

Internal Storage	128 GB it is very enough for me
RAM	8 GB feel nice and fastest.
Call Log Memory	Yes

Camera Features

Primary Camera Available	Yes Available
Primary Camera	12MP + 12MP + 12MP
Primary Camera Features	Ultra wide (123Degree) 12MP FF, F2.2inch Wide (77Degree) 12MP AF F1.7 Dual Pixel + Tele (45Degree) 12MP AF F2.4 OIS, 2x Zoom
Secondary Camera Available	Yes
Secondary Camera	32MP Front Camera
Flash	Rear Flash
Full HD Recording	Yes
Video Recording	Yes
Video Recording Resolution	3840 x 2160
Image Editor	Yes (this is very good)
Dual Camera Lens	Primary Camera

Call Features

Call Wait/Hold	Yes Available
Conference Call	Yes Available
Hands Free	Yes Available
Video Call Support	Yes Available
Call Divert	Yes Available
Phone Book	Yes Available
Call Timer	Yes Available
Speaker Phone	Yes Available
Speed Dialing	Yes Available
Logs	Received, Missed, Dial ( it is very common)

Connectivity Features

Network Type	4G VOLTE, 4G, 3G, 2G
Supported Networks	4G VoLTE, 4G LTE, UMTS, WCDMA, CDMA, GSM
Internet Connectivity	4G, 3G, Wi-Fi, GPRS
3G	Yes
GPRS	Yes Available
Pre-installed Browser	Google Chrome, Samsung S-browser 11.0
Bluetooth Support	Yes Available
Wi-Fi	Yes Available
Wi-Fi Hotspot	Yes
Audio Jack	Yes Available
Map Support	Google Maps
GPS Support	Yes

Other Details

Smartphone	Yes Available
SIM Size	Nano SIM
Instant Message	Yes
Removable Battery	No
MMS	Yes
SMS	Yes Available
Predictive Text Input	Yes (no key board touch screen mobile)
Sensors	On Screen Fingerprint Sensor

Multimedia Features

Music Player

Yes Available

Battery & Power Features

Battery Capacity

4500 mAh (I think it is very enough for me)

So, if you want to buy this mobile go to your nearest mobile stores like Samsung, Reliance digital, Poorvika mobiles and other mobile stores. Actually I gone to buy OPPO Mobile but suddenly I seen this one mobile in Reliance Digital Mart then I switched my opening to Samsung Note 10 Lite. ( I am already using 1+ 7 pro also).

ABOUT AMTEK AUTO

2017-02-15T00:27:00.004-08:00

AMTEK Auto Company :-

Since from Last three years (2013) to till today I am trading with Amtek Auto Group. It is given such a good returns to me. I think it is one of the most fastest growing company in India. And if you are a trader my suggestion is it will give you good returns to you in future also. I want to tell you something about Amtek Auto Company or Amtek Auto Group.

If you are trading in amtek auto the BSE Code & NSE Code’s are below :- BSE: 520077 | NSE: AMTEKAUTO | ISIN: INE130C01021 | SECTOR: AUTO ANCILLARIES

The Amtek Group, headquartered in India, is one of the largest integrated component manufacturers in India with a strong global presence. It has also become one of the world’s largest global forging and integrated machining companies. The Group has operations across Forging, Iron and Aluminium Casting, Machining and Sub-Assemblies. It has world-class facilities across India, UK, Germany, Brazil, Italy, Mexico, Hungary and US. The Amtek Group is comprised of corporate entities Amtek Auto, JMT Auto, Amtek Global Technologies and other subsidiaries and associates. With the infrastructure and technology platform developed over 25 years, the Group is well positioned in the Indian Auto and Non-Auto component markets.

Amtek auto REGISTERED OFFICE

Address : Plot No. 16, Industrial Estate, Rozka-Meo (Sohna) Dist.Mewat

State Haryana Tel. No. 0124-2362140 Fax No.0124-662454 Email:aal@amtek.com Web Site http://www.amtek.com

Amtek Auto (NSE: AMTEKAUTO, BSE: 520077) is headquartered in New Delhi and is one of the largest integrated automotive component manufacturers in India with a strong global presence. The Company has world class facilities in India, Europe and North America. Amtek Auto has significant expertise in forging, grey and ductile iron casting, gravity and high-pressure aluminum die casting and machining and sub-assembly. The Company also manufactures components for non-auto sectors such as the railways, specialty vehicles, aerospace, agricultural and heavy earth moving equipment’s also.

The objective of Amtek Auto Investor Relations is to ensure continuous and open communication with all financial market participants.

Investor Grievances Redressal email: investors.relation@amtek.com

COMPANY SECRETARY is Mr. Rajeev Raj Kumar email: rajeev.raj@amtek.com

SHARE TRANSFER AGENT is M/S Beetal Financial & Computer Services Pvt. Ltd., email: beetalrta@gmail.com

Address :: Beetal House 3rd Floor, 99, Madangir, email: beetal@rediffmail.com Behind L.S.C, New Delhi-110062 Tel.: (+91) 11-2996 1281-82 Fax: (+91) 11-2996 1284

COMMITTEES OF THE BOARD

The Company have 7 Committee they are

I. AUDIT COMMITTEE

II. HUMAN RESOURCE, NOMINATION & REMUNERATION COMMITTEE

III. STAKEHOLDERS RELATIONSHIP COMMITTEE

IV. CORPORATE SOCIAL RESPONSIBILITY (CSR) COMMITTEE

V. Finance Committee

VI. SEXUAL HARASSMENT COMMITTEE

VII. Risk Management Committee

In compliance to the amended Clause 49 of the Listing Agreement, the Board of Directors has constituted the following committees of the Board. The Board determines the terms of reference of the Board Committees from time to time. The respective Committee Chairman convenes meetings of the Board Committees. Minutes of the Committee meetings are placed before the Board for perusal and noting. The quorum for meetings of all the Committees is either two members or one-third of the members of the Committees, whichever is higher. Each committee has the authority to engage outside experts, advisers and counsel to the extent it considers appropriate to assist it in its work.

I. AUDIT COMMITTEE

The role of the Audit Committee has been strengthened and all major changes in financial policies are reviewed or approved by this CommittEe.

(A) QUALIFIED AND INDEPENDENT AUDIT COMMITTEE The Audit Committee comprises of three directors. All the members of the Committee viz. Mr. B. Lugani (Chairman), Mr. Rajeev Kumar Thakur and Mr. Sanjay Chhabra are independent and non executives. The Company Secretary acts as the Secretary of the Audit Committee. The constitution of the Audit Committee meets the requirement of Section 139 of the Companies Act, 2013 and the Listing Agreement. The power and role of the Audit Committee is as per the guidelines set out in the Listing Agreement and as prescribed under Section 177 of the Companies Act, 2013.

(B) POWERS OF AUDIT COMMITTEE The Audit Committee shall have powers, which should include the following: To investigate any activity within its terms of reference. To seek information from any employee To obtain outside legal or other professional advice. To secure attendance of outsiders with relevant expertise, if it considers necessary.

(C) ROLE OF AUDIT COMMITTEE The role of Audit Committee shall include the following (including the terms of reference): Oversight of the Company’s financial reporting process and the disclosure of its financial information to ensure that the financial statement is correct, sufficient and credible; Reviewing with the management, the quarterly financial statements before submission to the Board for approval; Reviewing with the management, the statement of uses/ application of funds raised through an issue (public issue, rights issue, preferential issue, etc.), the statement of funds utilized for purposes other than those stated in the offer document/prospectus/notice, and the report submitted by the monitoring agency monitoring the utilization of proceeds of a public or rights issue, and making appropriate recommendations to the Board to take up steps in this matter; Reviewing and monitoring the auditors independence and performance and effectiveness of audit process. Recommendation for appointment, remuneration and terms of appointment of Auditors of the Company. Approval and any subsequent modification or transaction of Company with Related Parties. Scrutiny of Inter Corporate Loan & investment. Valuation of Undertaking or Assets of the Company , wherever its necessary

(D) REVIEW OF INFORMATION BY AUDIT COMMITTEE The Audit Committee shall mandatorily review the following information: Management discussion and analysis of financial condition and results of operations; Statement of significant Related Party Transactions (as defined by the Audit Committee), submitted by management; Management letters / letters of internal control weaknesses issued by the statutory auditors; Internal audit reports relating to internal control weaknesses; and The appointment, removal and terms of remuneration of the Chief internal auditor shall be subject to review by the Audit Committee.

II. HUMAN RESOURCE, NOMINATION & REMUNERATION COMMITTEE

The Nomination and Remuneration Committee (HRNR Committee) of the Company is constituted in line with the provisions of Clause 49 of the Listing Agreements entered into with the stock exchanges read with Section 178 of the Act, comprising three non executive and independent directors viz. Mr. Sanjay Chhabra (Chairman), Mr. Rajeev Kumar Thakur and Mr. B. Lugani.

REMUNERATION POLICY:- The Company’s remuneration policy is directed towards rewarding performance, based on review of achievements on a periodical basis. The remuneration policy is in consonance with the existing industry practice. The remuneration of the Vice Chairman cum Managing Director, Managing Director, Key Managerial Personnel and Senior Management Personnel’s of the Company is reviewed and recommended by Committee, based on criteria such as industry benchmarks, the Company’s performance visa-vis the industry, responsibilities shouldered, performance/track record, macro-economic review on remuneration packages of heads of other organizations. The Company pays remuneration by way of salary, perquisites and allowances (fixed component), incentive remuneration. Annual increments are decided by the Remuneration Committee within the salary scale approved by the Members. A sitting fee of Rs. 20,000/- for attendance at each meeting of the Board meeting was paid to all the Independent & Nominee Directors for the meeting held on 24th November, 2014 and afterwards, the sitting fee was increased to Rs.50,000/-. The sitting fees paid/payable to the non Whole-time directors is excluded whilst calculating the limits of remuneration in accordance with Section 197 of the Act. The Company also reimburses out-of-pocket expenses to Directors attending meetings held at a city other than the one in which the Directors reside. Remuneration of employees largely consists of basic remuneration, perquisites, allowances and performance incentives. The components of the total remuneration vary for different employee grades and are governed by industry patterns, qualifications and experience of the employee, responsibilities handled by them, their individual performances, etc. The annual variable pay of senior managers is linked to the Company’s performance in general and their individual performance for the relevant year is measured against specific major performance areas which are closely aligned to the Company’s objectives. The Company does not have any Employee Stock Option Scheme.

III. STAKE HOLDERS RELATIONSHIP COMMITTEE

The Stakeholders Relationship Committee comprises of three directors under the Chairmanship of Mr. Rajeev Kumar Thakur. The other members in the committee being, Mr. Sanjay Chhabra and Mr. Bahushrut Lugani. The Board has constituted Stakeholders Relationship Committee in accordance with the provisions of the Companies Act, 2013 and Clause 49 of the Listing Agreement. The terms of reference of Shareholders’ / Investors’ Grievance (SIG) Committee was conferred on the Stakeholders Relationship Committee. The Company has also adopted code of internal procedures and conduct for prevention of insider trading in the shares of the Company, pursuant to Securities & Exchange Board of India (Prohibition of Insider Trading) Regulations, 1992, as amended. The Board has designated Company Secretary as the Compliance Officer for this purpose and has authorized this committee to monitor the compliance as required under the aforesaid Regulation. Terms of Reference of the Committee, inter alia, includes the following:

Oversee and review all matters connected with the transfer of the Company’s securities

· Monitor redressal of investors’ / shareholders’ / security holders’ grievances

· Oversee the performance of the Company’s Registrars and Transfer Agents

· Recommend methods to upgrade the standard of services to investors Monitor implementation of the Company’s Code of Conduct for Prohibition of Insider Trading

· Carry out any other function as is referred by the Board from time to time or enforced by any

· statutory notification/amendment or modification as may be applicable.

IV. CORPORATE SOCIAL RESPONSIBILITY (CSR) COMMITTEE

The Company proactively reviews its governance practices and standards inter alia considering best practices and regulatory developments. During the year under review, the following significant developments took place on the governance front:- Constitution of ‘Corporate Social Responsibility Committee’: Considering the work being done by the Company on social front, the Company’s Board has constituted a ‘Corporate Social Responsibility Committee’ (CSR Committee). CSR Committee is primarily responsible for formulating and monitoring the implementation of the framework of corporate social responsibility policy, other policies under Business Responsibility Policy Manual and to look into sustainability matters and matters related to overall governance. The members of Corporate Social Responsibility Committee are Mr. Rajiv Kumar Thakur, the Chairman, Mr. D.S Malik and Mr. Gautam Malhotra. Terms of Reference of the Committee, inter alia, includes the following: To formulate and recommend to the Board, a Corporate Social Responsibility (CSR) Policy indicating activities to be undertaken by the Company in compliance with provisions of the Companies Act, 2013 and rules made there under; To recommend the amount of expenditure to be incurred on the CSR activities; To monitor the implementation of the framework of the CSR Policy; To oversee the implementation of polices.

V. FINANCE COMMITTEE

The Board of Directors has constituted Finance Committee comprising of Mr. Arvind Dham (Chairman) , Mr. John Ernest Flintham, Mr. D.S Malik and Mr. Gautam Malhotra and Mr. B. Lugani. During the period, the committee met four times. Terms of Reference of the Committee, inter alia, includes the following: Review the Company’s financial policies, risk assessment and minimization procedures, strategies and capital structure, working capital and cash flow management, and make such reports and recommendations to the Board with respect thereto, as it may deem advisable ; Review banking arrangements and cash management; Exercise all powers to borrow money (otherwise than by issue of debentures) within limits approved by the Board, and take necessary actions connected therewith, including refinancing for optimization of borrowing costs ; Give guarantees/issue letters of comfort/providing securities within the limits approved by the Board ; Borrow money by way of loan and/or issue and allot bonds/notes denominated in one or more foreign currencies in international markets for the purpose of refinancing the existing debt, capital expenditure, general corporate purposes, including working capital requirements and possible strategic investments within limits approved by the Board ; Carry out any other function as is mandated by the Board from time to time and/or enforced by any statutory notification, amendment or modification as may be applicable ; Other transactions or financial issues that the Board may desire to have them reviewed by the Finance Committee ; Delegate authorities from time to time to the executives/ authorised persons to implement the Committee’s decisions ; Review regularly and make recommendations about changes to the charter of the Committee .

VI. SEXUAL HARASSMENT COMMITTEE

As per the requirement of Prevention of Sexual Harassment Act, 2013, Company has duly constituted Sexual Harassment Committee, comprising of the following members:-

1. Ms. Anuradha Kapur - The Presiding Officer

2. Mr. Vinod Kr. Uppal - Finance Department

3. Mr. Rajesh Soni - HR Department

4. Ms. Sonal Choudhary - HR Department

Company is totally committed in providing an environment that is free from discrimination and harassment. We recognize the rights of our employees and provide forums, support groups and policies to hear and address their issues, concerns and resolve them in a fair and transparent manner. Our Sexual Harassment Committee members helps employees express their grievances and address them in a fair and objective manner. The cases are patiently heard and resolved by a unbiased group. We have a whistle blower policy as well that assures complete anonymity and confidentiality of information to the reporting individual.

VII. RISK MANAGEMENT COMMITTEE

The Board of Directors has constituted Risk Management Committee comprising of following directors:-

1. Mr. Arvind Dham

2. Mr. Gautam Malhotra

3. Mr. John Ernest Flintham

4. Mr. Rajeev Kumar Thakur

The purpose of the Committee is to assist the board in fulfilling its Corporate Governance duties by overseeing the responsibilities with regard to the identification, evaluation and mitigation of operational, strategic and environmental risks. The Committee has the overall responsibility of monitoring and approving the risk policies and associated practices of the Company. The Risk Management Committee is also responsible for reviewing and approving the risk disclosure statements in any public documents or disclosure.

Amtek Auto Company Mission

“To become a world class engineering company in the Automotive and Non Automotive sector. This is to be achieved by capitalizing on our superior technology base for the benefit of our customers, suppliers and stakeholders.”

History of the company

It’s been a journey dotted with challenges and expectations. Today, as we step back in time, we find, it was our contemporary business modalities and futuristic approach that helped us grow with the time.

Amtek Auto Company Business in region

Forging Division

They have business in Haryana, Himachal Pradesh, Madhya Pradesh, Maharashtra, Brazil, Germany, Italy & USA

Cold Forging Division

They have cold forging divisions in Brazil, Germany countries.

Iron Casting Division

Iron Casting Division’s in Germany and Rajasthan (India).

Aluminium Casting Division

They have Aluminium Casting Divisions in Maharashtra (India), Germany and United Kingdom Countries.

Automotive Machining Division

Company have own Automotive Machining Divisions in Brazil, Germany, Hungary, Italy, Mexico, United Kingdom Countries and in India Haryana, Himachal Pradesh, Jharkhand, Karnataka, Maharashtra, Rajasthan, Tamil Nadu & Uttarakhand State.

Amtek Auto Company Have Joint Ventures Divisions in Magna Powertrain, Canada in Machining Division and Sumitomo Metals, Japan in Forging Division and Riken Corporation, Japan in Iron Casting and Dongling Group in China for Iron Casting.

Ref : from Web site : http://www.amtek.com (as per 2017)

Amtek Auto Company all over world Iron, Metals, Aluminum business. I am 100% sure one day this company shares will go very high because, if this share started to move high position, in one day it will go upto 50% to 90%. So I believe on this company. Please study all details about company and invest on this.

About Samsung Galaxy S7 Edge

2017-02-08T21:55:00.001-08:00

About Samsung Galaxy S7 Edge

Samsung it is one of the world famous mobile company. In India almost all 50% people will believe on Samsung company mobile only. Because they provide easy service centre in entire India and easy to use any age generation. Most and important is it is available in our budget.

Today I am telling you about Samsung Edge s7 my personal opinion

Actually I am purchasing another company mobile. My friend said what is your budget and what type of futures you want. I said I want future camera like it should be work in dark area also, fast working, finger lock system, duel sim or single sim. These type I want future smart phone.

Then he recommended to me Samsung Edge S7. I studied sum reviews in online, then I am satisfied with this mobile. I am purchased on dt.30-11-2016. It cost Rs.52K. I think it is little bit costly to me but after the purchase I am fully satisfy from this phone. Good looking no problem in any weather condition. We can use in rainy season also. The mobile designed very beautiful, seamless and it have unibody.

Using a proprietary process called 3D Thermoforming, melded 3D glass to curve with such precision that it meets the curved metal alloy to create an exquisitely seamless and strong body.

Most important it is Water and dust- resistant :

YES the Galaxy S7 and S7 edge go everywhere you go. In the rain, the shower, or the pool. Up to 30 minutes or 1.5 meters under. It will also worked out how to completely seal off the inside components while keeping micro USB ports, earphone jacks open. It is amazing.

Camera :

Dual Pixel 12MP camera for low light performance. Some of our most precious memories happen after dark. And this is the first
smartphone camera to have a professional-grade Dual Pixel Sensor with which you'll now be able to take crisp, clear photos in the dark.

Dual Pixel 12MP, Bright Lens F1.7, 1.4um pixels on image sensor with Phase Detection Action Autofocus, Motion Panorama, Motion Photo and Hyperlapse.

Details :-

Duel sim mobile (if you don’t want to expand your memory then only you can use duel sim, because Sim-2 and expandable memory are same port)
4 GB RAM
32 GB ROM
Expandable Upto 200 GB (I got 64GB)
5.5 inch Quad HD Display
12MP Primary Camera and 5MP Front I can save my valuable memories in my mobile
Battery capacity is 3600 mAh Li-Ion Battery (DC 9V, 1.67A)
(It contends Android version 6.0.1 some people are guessing Android means it will eat our mobile battery. In this mobile there is no problem. I am using regularly for internet and calling, photos, games etc., still my mobile not shown battery is low it is very nice)
Exynos 8890 Processor

With mobile I got a Handset (it feels Dolby Digital sound), Data Cable, Travel Adaptor, Ejection Pin, Stereo Headset, USB Connector.

If you are thinking to buy any other mobile in same price my opinion is go with Samsung Galaxy S7 Edge. Go with online purchase in Flipkart, Amazon and many other online marketing sites.

About Kidney Disease and Precautions

2016-09-14T23:01:00.002-07:00

How to keep our kidney safe ?

Every year March 10^th is a celebrating as a world kidney day. Now a days this one is the biggest challenge to every person. We can see kidney problem in all age groups. In human body main part is a heart and lungs. After that we can count kidney is most important part in human body. (Each of a pair of organs in the abdominal cavity of mammals, birds, and reptiles, that excrete urine). In human body kidney is most sensible part in body.

How to identify (you have) kidney problem ?

In entire world more than 15% (all age group) people are suffering from kidney problem. If we control our eating system and maintain daily dieting, then we can control the kidney problem. If you or your family members have kidney problem, symptoms are like :-

I) Not hungry / stomach pain.

II) Regularly High BP (Blood pressure problem).

III) Heavy Flu with body trembling.

IV) Eye lash and face swelling.

V) Urine pass problem with heat problem.

VI) Again and again going to urine.

VII) Urine passing on bed. (as like child doing)

VIII) Urine will come in red or white color.

IX) Urine will come drop, drop.

X) Suddenly at mid-night you feel urgent urine problem.

XI) If you have above said symptoms you have to do the medical checkup. Like : Urine examination, Sugar in Blood, Urea and cretin quantity, CT Scan, M.R.I., Stomach Ultra sound and when you are doing urine, we can see the urine speed also.

XII) If you / your wife pregnant you can identify, child kidney is growing or not.

XIII) If you are getting treatment about kidney, then don’t stop the doctor treatment. If you are stopped the treatment, immediately your kidney problem will return.

XIV) If 2 to 6 year’s child have kidney problem, first fall morning eye lash will swelling then face and stomach and legs will swelling.

XV) These type of problems in 7 to 10 years old girls because individual cleanliness and not cleaned Genital etc., it is common for kidney problems.

XVI) Stomach pain, diarrhea, loss of appetite and High blood pressure and day by day protein will reduce day by day it will go from urine.

XVII) In small aged children’s, flu, vomiting, nausea, jaundice, going to urine again and again, heat and red colour urine, stomach pain and smelling in urine.

In these you have minimum 2 symptoms means you are suffering from kidney problem. So without wasting the time immediately you have to contact nearest Nephrologists doctor. Don’t neglect or hide the kidney problem from your family & doctor. Because kidney problem is one of the most & very sensitive problem.

How to control kidney problem ?

There is no permanent solution for this kidney problem. But we can face or control the kidney problem details are below :-

1) Late treatment is most dangerous in this kidney problem.

2) If doctor declared you have kidney problem. Take daily up to 15 days Cartikosteriad tablets then after take up to 6 months day after one day. From this we can control the swelling problems in kidney.

3) When you have swelling in your body don’t eat the salt. It is very harmful to health.

4) Don’t control the urine and eat timely.

5) If you are suffering from kidney problem, when kidney pain will raise take a tablets (as per doctor prescribed).

6) All age group kidney patients must and should take daily 6-8 glass water without fail.

7) If your child will suffering from kidney problem then reduce the salt content in children’s food.

8) Be alert from Kidney injury, kidney swelling, stone in kidney and urine tube, kidney tumor, eating heavy content tablets (like:-aspirin, penicillin, heparin), Hemophilia is also one big symptom for kidney failure.

9) Cycling is most important to kidney problem. From this you can keep your kidney in safe.

10) Don’t eat junk food. In junk food there is too much sugar and salt content.

11) When you have fever, body pain don’t take Ibubrupain, anacin and gentamainis tablets. These tablets are most dangerous to health or kidney problem patient.

12) 4 to 12 years children should drink minimum 6 to 8 glass water daily.

13) Don’t smoke in front of child. Because smoking will increase 5% on kidney cancer.

14) When child will born up to one year don’t mix the salt in children’s food. At that age the baby body wants daily one gram salt to his body. That is already available in regular food.

15) If children parents have sugar problem then check your baby urine and sugar content in blood it is most important.

As per my suggestion please eat time to time and healthy food not junk food and do excise regularly like Yoga, Cycling Running and Walking etc., from this routine you can keep your health good and nice. So, please keep your health healthy and if you have above said any 3 problems it means you have kidney problem and take your doctor’s suggestion and doctor’s description. (Praja.W. 12-3-16)

BLACK TEA

2016-07-25T06:45:00.000-07:00

Today in 21^st Century day-by-day every one is using or having black tea daily in the morning and evening. Some people are using for passion and some people are using for health precautions. Black tea contains more green and white teas. It will grow in mountain places only. Like Assam, Darjeeling, Kerala, Madikeri and Kodagu places. Black tea is good for every one’s health or especially those are suffering from cancer. Black tea is generally stronger in flavor than the less oxidized tea. All four types are made from leaves of the small tree. There are two types of varieties of the species are used – the small-leaved. In entire world Chinese using regularly black tea only. Most other types of teas and the large-leaved Assam’s plant which was traditionally mainly used for black tea, although in recent years some green and white tea have been produced in the market.

While green tea usually loses its flavor within a year, black tea retains its flavor for several or so many years. For this reason, it has long been an article of trade, and compressed bricks of black tea even served as a form of Mongolia, Tibet and Siberia. Green tea has recently seen a revival due to its purported health benefits, black tea still accounts for over ninety percent of all tea sold in the West side. Black tea have 90% energy for fighting with cancer. Black tea have less Calories and it contains huge quantity of Calcium and Potassium.

What is the benefits to our health / body using from black tea regularly or daily. Details are below :-

v Drinking daily black tea is increase our Memory Power and it is increase our Neural functions.

v Black tea have caffeine cayco-active from this every time it will maintain your mood in happy and fatigue also.

v Regularly using of black tea it will fight and clean daily Tockcin and Bacteria’s from your body.

v Now a day in our young generation out of 3, 1 person is suffering from overweight problem. Black tea is one of the most useful/helpful tea or health drink to reduce our weight or fatness.

v And it will help to avoid any kind of heart diseases. (like heart attach and blood pumping nerves)

v Black coffee have more content of anti-oxidant. If we drink one cup of Black coffee daily it contains Vitamin-B2, B3 and B5, huge quantity of Magnesium, Manganese and Potassium also.

v Now a day out of 100, 50 people are suffering from diabetes problem. From regular using or drinking black tea we can avoid Type-2 Diabetes problems.

v It will help us from depression also.

There are so many products about black tea in market as per my knowledge in entire world biggest producers of black tea are

(1) Unilever

a. Lipton

(2) British foods

a. Twining

(3) Tata Global Beverages

a. Tetley

Few days ago I am started to drink daily black tea, I feel it is very good for health and fit. I am drinking daily morning and evening with lemon. I lost my weight also. I feel fresh every time. Now I can avoid smoking also. So, my dear friends please drink black tea with lemon without fail and watch changes in your life or body or fitness.

Academic Council in Karnataka Powers and Duties

2016-07-18T04:13:00.000-07:00

Delegation of powers and duties of the academic council in karnataka state

Government of Karnataka, Karnataka Ordinance No.01 or 2016 Karnataka state Gazatee Number : Bangalore, Saturday, May 21, 2016 (Vaishakha 31, Shaka Varsha 1938) No.754. Part IVA. As per this order Government of Karnataka cleared about Delegation of powers and duties of the academic council in Karnataka state, those selected as a Academic Council members :- details are below.

The Academic Council :-

The Academic Council shall be the academic body of the University, and shall, subject to the provisions of this Ordinance and the regulations, have power of control and general regulation of and be responsible for the maintenance of standards or instruction, education, research and examination of the University and shall exercise such other powers and perform such other duties as may be conferred or imposed upon it by this Ordinance or the regulations. It shall be the right to advise the Executive Council on all academic matters.

Members of the Academic Council :-

The Academic Council shall be reconstituted by the Chancellor once in three years which shall consist of the following members, namely :-

a) the Vice Chancellor, who shall be the chairperson thereof;

b) Two members who have made a significant contribution to the field of Rural Development and Panchayat Raj or Law reforms nominated by the Government.

c) Three person from amongst the educaionists of repute or men of letters or eminent public men or industrialists who are not in the service of the University, nominated by the Vice Chancellor;

d) The Director, Training, Publication and Supervision of all schools.

e) The Director, Centre for Research, Innovation and Evaluation.

f) All Heads of the Schools.

g) All Heads of Regional centers.

h) Director, Abdul Nazeer Sab State Institute of Rural Development, Mysore.

i) Three members of the teaching staff representing prefessors, Associate professors and Assistant professors of the University by seniority and rotation nominated by the Vice Chancellor.

j) The Registrar shall be ex-office Member Secretary.

The term of the members other than ex-office members shall be three years;

A member of the Academic Council shall cease to be a member if he resigns or becomes of unsound mind or becomes insolvent or is convicted of a criminal offence involving moral turpitude or if a member other than the Vice Chancellor and ex-office members, accepts a full time appointment in the University.

Unless their membership of the Academic Council is previously terminated as provided in the above sub-clauses members of the Academic Council shall relinquish their membership on the expiry of three years from the date on which they become members of the academic council.

A member of the Academic Council other than ex-officio member may resign his office by a letter addressed to the Chairman of the Academic Council and such resignation shall take effect as soon as it has been accepted by the Chairman of the Academic Council.

Any vacancy in the Academic Council shall be filled either by appointment or nomination, as the case may be, of a person by the respective authority, entitled to make the same and the person so appointed or nominated shall hold office so long only as the member in whose place he is appointed or nominated could have held office if the vacancy had not occurred.

Any member nominated to the Academic Council shall be liable to be removed from such membership at any time by the Chancellor on the ground of misbehavior, misconduct, or otherwise after holding any enquiry.

Notwithstanding anything contained in this Ordinance but save as otherwise provided, any employee of the University, both teaching and non-teaching or ministery shall not be eligible for nomination as a member of any other authorities under this ordinance.

Powers and duties of the Academic Council :-

Subject to the provisions of this Ordinance and the regulations made there under the Academic Council shall, in addition to all other powers vested in it, have the following powers, namely :-

(1) to recommend institution of degrees, diplomas, certificate courses and other courses along with the required regulations and curriculum commensurate with the objectives of the university.

(2) to report on any matter referred or delegated to it by the Executive Council.

(3) to make recommendations to the Executive Council with regard to the creation, abolition or classification of teaching posts in the University and the emoluments and the duties attached thereto;

(4) to formulate and modify or revise schemes for the organization of the directorates or schools and to assign to them their respective subjects and also to report to the Executive Council as to the expendiency of the abolition or sub-division or merging of any of them;

(5) to make regulations for the instruction and examination of persons other than those enrolled in the University;

(6) to promote research within the University and to require, from time to time, reports on such research;

(7) to consider academic, research and extension proposals submitted by the faculties and recommend for approval.

(8) to make regulation regarding admission of students to the university and determine the member of students to be admitted.

(9) to recognize diplomas and degrees of other universities and institutions and to determine their equivalence in relation to the diplomas and degrees of the University;

(10) to fix, subject to any conditions accepted by the Executive Council, the time, mode and conditions of competition for fellowships, scholarships and other prizes, and to award the same;

(11) to approve appointment of examiners and if necessary their removal and the fixation of their fees, emoluments and travelling and other expenses;

(12) to award stipend, scholarships, medals and prizes and to make other awards in accordance with the regulations and such other conditions as may be attached to the awards;

(13) to make recommendation to the Executive Council regarding conferment of honorary degrees not exceeding three in an Academic year.

(14) to make recommendation regarding the qualifications to be prescribed for the appointment and promotion for teachers and service personnel of the university.

(15) to consider and approve memorandum of understanding and memorandum of agreement with educational, research, corporate and other institutions and public private partnership agreements.

(16) to perform, in relation to academic matters, all such duties and to do all such acts as may be necessary for the proper carrying out of the provisions of this ordinance and the regulations.

Members not entitled to remuneration :-

The members of the Executive Council Academic Council or any such authority shall not be entitled to receive any remuneration from the University except such travelling and daily allowance, sitting fees as may be prescribed by the regulations :

Provided that, nothing contained in this section shall preclude any member from drawing his emoluments to which he is entitled by virtue of the office he holds.

(Details collected as per Reference from : Government of Karnantaka Gazatee Notification (Special Edition) printed on Dt.21-05-2016.)

HOW TO CONTROL FATNESS

2016-07-18T01:15:00.000-07:00

HOW TO AVOID OR CONTROL FATNESS ?

How to control our fatness : this is one of the big question to our new young generation. We can see more fatty people in metropolitan cities. Because they will eat every day out side food like (as per my opinion : eating cheese, potato items, rice items, spicy foods, chicken, mutton and lots of cold drinks). It will be effect on our body and health also. Eating regularly these type of foods we will suffer from sugar, blood pressure, carrying problems (in ladies), cancer, huge cholesterol problem, kidney problems, digestion problems and fatness.

In our world more than 37% people are suffering from this problem. Last from 30 years no one country has been resolved this problem. We can see in entire world 62% people are gaining fatness in almost all fast developing countries. As per 1980, one survey says 27% peoples younger’s and 47% are children's. In our India 73% Metropolitan peoples are suffering from this disease it means in each 4 people, 3 people are suffering from fatness.

I have some solutions for maintain fitness to our body and avoid the fatness :-

v Do YOGA every day without fail for minimum 30 minutes. (early morning only) (like anulom-vinulom, surya-namaskar, kapalbhati,

tadasan,

ardhakatti chakrasasana

trikonanasan (Trikonasana or Triangle Pose is an asana. Variations include utthita trikonasana, baddha trikonasana and parivrtta trikonasana.)

& privrata asan, etc for more information about yoga you can login on this web site : www.divyayoga.com) and use maximum steps or stairs avoid lifts.

v Do some running and walking also. (minimum 2-3 KM’s)

v Avoid Fast Foods.

v Drink every day one glass milk with ginger powder. From this we can maintain the fitness. (if you are doing yoga drink only in night)

v Eat less chili. (red chili powder or green chili also).

v Before sleeping drink sum green tea (this is good for health and heart) and from this you will lose your wrest.

v Cycling is a good exercise to body because your muscles will improve day by day, stronger & it is good for heart also. (minimum daily 30 minutes)

v Eat maximum lemon and orange juices. They have huge digestion power and fatness reduces.

v Sleep daily minimum 8-9 hours completely.

Because if you are not sleeping time to time,

it is also one reason for fatness.

v When you are going to bed don’t drink cold water. It is not good for your health. It will effect directly on your digestion. Night drink as much as possible hot water only.

v If you are eating fish then eat only SALMAN Fish, BANGUDE Fish & TUNA Fish is good for health.

v Use regularly Dalchini, Lavang and Laisun in cooking.

v Eat regularly or daily Cabage, Kosu, Tomato, Green Palak, Binus & Green Batana in these foods have 0% fatty items.

v Eat daily one egg in the morning (without yellow) this one helps to reduce your fatness.

v Massage from Lavana Oil (it is available in Ayurvedic Shop) daily minimum 15 minutes to stomach and fatty portions. After massage do the bath after 15 minutes. It is also helps to reduce the fatness and help to maintain fit body.

Health Chart

Gents		Ladies
Height	Weight	Height	Weight
5’4 to 5’6	62-67	5’1 to 5’3	50-55
5’7 to 5’9	70-75	5’4 to 5’6	57-62
5’10 to 6’0	77-82	5’7 to 5’9	65-70
6’1 to 6’3	85-90	5’10 to 6’	72-77

As per my suggestion please eat time to time and healthy food not junk food and do excise regularly like Yoga, Running and walking etc., from above said routine's daily applied to your life you can keep your health good and nice.

ABOUT SHAHABAD ALSTOM COMPANY

2013-10-11T01:17:00.001-07:00

HISTORY:

Company (ACC) a need for maintenance of workshops at each plant was noticed. Hence, in the year 1942 central workshops at Shahabad, Lechery and Madukharai were started to manufacture spare parts for ACC plants. Then, in 1945 manufacturing of complete units of kilns, mills and crushers .In central workshops were started. At these central workshops machines Required for complete cement plants we were started manufacturing in the Year 1952-54.Later, this unit combined with the Vickers Armstrong & Babcock and Wilcox of U.K As partners under the banner of ACC-AVB (ACC-Vickers-Babcock) to manufacture cement and boilers, head Office at Durgapur in the year 1959.

In the year 1961 central workshops at Shahabad works shifted to present Location and named as ACC-Heavy Engineering (ACC-SHE) to Manufacture cements plant to outsiders other than ACC. Then, Cast iron Foundry Manufacturing of EOT cranes with Hitachi collaboration was added To this Unit and renamed as ACC-Shahabad heavy Engineering (ACC-SHE).In the year 1974 ACC-SHE was sold to AVB for expansion of Capacity for boiler Manufacturing and renamed as AVB-SW and tube shops And other balancing equipment’s for boiler manufactures for boiler .

Manufacture was started. In the year 1983 this ABL became Government Supervised company with administrative control by Energy ministry and Other financial institution and Government of India with having major Shares and ACC-Babcock continued to be partners. In the year 1995 a Multinational company took over the management of ABL with 74% of the Shareholding and named as ABB-ABL ltd.

In the year 1999 ABB-ALSTOM power boilers Ltd. Was formed With 50:50% of shares. In the year May 2000, ALSTOM acquired 50% of The shares of the ABB of theirs joint company and renamed as ALSTOM Power boilers Ltd. and it is now 100% shares owned by ALSTOM. In the Year Nov-2003.ALSTOM power boilers ltd .Renamed as ALSTOM Project India ltd.

On 6^th July 2012 Company renamed as ALSTOM India ltd.

INDUSTRY PROFILE

Alstom India Strategic Player in Power, Transport:

Power and transport are among the fastest growing sectors in India. Billions of dollar are being invested by both domestic (public and privet) and international firms in these sectors, as demanded for electricity and transport facilities soars, and is expected to continue to expand over the coming years.

One of the oldest multinationals present in India – ALSTOM India Ltd (AIL), part of French major ALSTOM SA – is uniquely positioned to take advantages of the rapid growth in these two key sectors. The $26.6 billion (sales revenue) global leader in power generation and rail infrastructure nurtures a long – term commitment to India.

“India is one of the fastest growing economies in the world today,” notes Sunand Sharma, country president, ALSTOM India, and chairman, AIL “In the years ahead, as the Indian economic growth story unfolds, AIL will be well poised to respond to the demands of the market in the two sectors in which we operate – power and transport.”

COMPANY PROFILE

ALSTOM is the world leader in energy and transport Infrastructure. ALSTOM is organized six sectors: power, Transmission, &distribution, transport, contracting, marine and power conversion. It has a combined turnover of more than 22 billion EURO and employees over 92,650 people on March 2012 in 81 countries. With 18% of the world market and a combined sale of 22 billion Euros 2012, the sector has a wide offering: from Turnkey power plants to turbines (gas, stream, hydro), project development, and Finance and high value added service. The ALSTOM network is divided into four geographic regions and has offices covering more than 81Countries. This network co-ordinates the company’s actions and provides Customer service at both local and regional levels.

ALSTOM Power, the full service provider: It is one of the biggest and most comprehensive suppliers of power generation services and equipment in the world. The company offers a uniquely comprehensive Range of products and service. Which enable it to provide its customer with the maximum of option and the most economical and environmentally Friendly solutions. ALSTOM’s goal of going forward is clearly to sustain and enhance its leading market positions whilst applying management Excellence to reach world profitability.

ALSTOM India Ltd. has approximately 7,800 Employees in different locations in India. It develops, produces and markets, Power generation equipment’s, on turnkey basis such as, turbines, generators, Boilers, auxiliary equipment’s, environment control products, power plant Controls, project development including customer service.

ALSTOM IN INDIA:

ALSTOM, the global specialist in energy and transport Infrastructure is in the business of providing quality solution and system Design.

Commencing its operations in Calcutta in the 1910’s and Later in Chennai in the 1950’s ALSTOM in India traces its lineage to English Electric, CEGELEC, AEI, GEC ALSTOM, ASEA, and HB Band ABB Drawing its strengths from technologies developed over the year by these Companies. ALSTOM has been a long term player in India in the energy Business, supplying critical electrical and industrial equipment including Boilers and turbines and pollution control equipment. The INDUSTRIAL Equipment division manufactures rotating machinery (motors and meters), Industrial and domestic fans. With its significant presence in the transport.

Sector in India ALSTOM provides railway equipment and technology Solution. ALSTOM India helps generate 40% of the total power produced in the country. In India ALSTOM is active in 3 major areas of business i.e. power Transmission and distribution and transport.

ALSTOM in India has two listed companies in Kolkata and Mumbai,600 employees and 12 manufacturing with the turnover of about 342Million Euros.

SHAHABAD MANUFACTURING UNIT:

Shahabad, a little town in the northern part of Karnataka, is quite well Know today, primarily due to the presence of ALSTOM projects India ltd., Shahabad unit and secondly due to the abundant stone quarries, from which The famous Shahabad polish stones originate. There many major cement Plants in the surroundings areas due to the natural resource of limestone Available in abundance.

During the course of last three decades, this unit has built up an Experience of manufacturing and supplying of cement plants and machinery Including all types of milling system for cement, limestone, coal etc., EOT Cranes, equipment for automatic energy, steel plant equipment, rubber Machinery, mining machinery, electronic precipitators, industrial boilers, Utility boilers including pressure parts, structural, pulverize, soot blowers, HP piping etc.

In addition, Shahabad unit has carved a niche for itself in the Manufacture and supply of casting in high alloy iron etc. catering to various Industries and particular specialized in the manufacture of grinding elements For the pulverizes. Except the manufacture of pressure parts, dedicate to the Durgapur unit of ALSTOM power boiler, this unit manufacture the rest of Boilers products.

A highly dedicated term of about 469 employees is managing Shahabad unit which is one of the manufacturing facilities in the private Sector, in southern India. This unit undertakes manufacture of critical boiler Products like boilers and air heater supporting structure and miscellaneous Fabrication, hydro mechanical equipment, power cycle piping system, soot Blowing system, pulverize and mills various types and foundry product Catering to not only thermal power, but also to various other applications.

The Shahabad unit is also gearing up to obtain ISO-14001 Certification by the year 2001. Various awareness and orientation program have already been completed. Another interesting thing to note is that the Shahabad unit the years has developed greenery in its township and Surrounding by planting more than 4 lakes and encouraging the resident to Maintain Lawns and plants in their own homes.

Management of the ALSTOM India Ltd

· Mr. Sunand Sharma (country president & chairman of ALSTOM India Ltd)

· Mr. Emmanuel Colombian (vice chairman & managing director)

· Mrs. Naina.R.Desai (whole time director & company secretary)

· Mr. S.M.Momaya (country finance director of ALSTOM group India & whole time director & CEO)

· Mr. Pedro Sole (non-executive director)

· Mr. K. Vasudevan (non-executive independent director)

· Mr. Marc Chat lard (non-executive directors)

· Mr. A.K. Thiagarajan ( non-executive independent director)

· Dr. UddeshKohli (non-executive independent directors)

Product Profile

AIL SHAHABAD has two main product lines:

Ø Pulveriser production

Ø Foundry production

The Pulveriser production includes:

Ø Castings Coal pulveriser and milling systems.

Ø Soot blowers.

Ø Heavy fabrication parts including hydro mechanical equipment.

Ø Heat exchangers and pressure vessels (condensers, detractors)

The above items have been supplied from AIL Shahabad for various utilities like 2x210 mw Chandrapur TPP, 2x210 mw korba TPP, 3x210mw Backaro TPP, 2x250mw budge TPP, 2xl25mw Akrimote TPP and 469 mw gaoutami CCPP to name a few.

AIL Shahabad is already an established name in the cement sector with cement machinery equipment like apron conveyers, crushers, horizontal and vertical grinding mills, kilns, coolers having been supplied to almost all major incline cement manufacturers (ACC, century, JK corp.)

AIL Shahabad also serves the steel sector by supplying coal pulverisering and pneumatic transport systems for coal injection systems, the JINDAL steel.

Plants at TORANGALLAN in Karnataka and Raigarh in Chhattisgarh are one of the major customers of AIL Shahabad for these systems.

The foundry productions include:

Ø Grey ion casting.

Ø Spheroid graphite iron casting

Ø Corrosion resistant iron casting.

Ø Wear resistant iron casting.

Some of the major casting items produced in the AIL Shahabad foundry is grinding media for e-mills and bowl mills, bump casing, rolls for steel plants, values bodies, wind mill casting, cement machinery castings and general engineering.

CUSTOMERS OF AIL

The clients lists of AIL Shahabad foundry includes leading India/steel/engineering sectors like

· NTPC

· SUZLON

· MARUTI UDYOG

· TATA MOTORS

· MAHINDRA & MAHINDRA

· BAJAJ

· MUSCO

· SAIL

· JINDAL.

SAFETY COMMITMENTS:

To management:

· Ensures that plant, equipment processes and system of work are safe, hazard tree & without risk to health.

· Ensures availability of information, instruction training & supervision.

· Believes that no job is an important as to overtake safety.

· Believe that the co-operation of the employees in the observance of safety policy will provide safe working conditions and ensure accident trace performance.

· Provides adequate publicity in the shops on various aspects of safety.

To Employee

· Individually contribute towards increased awareness of safety.

· Adopt safety rules & regulations.

· Uses safety appliances, equipment devices property.

· Complies with the instruction of competent authority.

· Integrates safety with job.

· Disseminates with safety knowledge among colleagues.

· Reports the unsafe conditions, practices or activities the supervisor / head of the department or the safety officer.

· Helps to create safe working conditions for others.

ALSTOMS marketing policies:

Here are just some of the advantages you will find at ALSTOM:

· An international, high-tech environment.

· Major, challenges projects.

· A vast spectrum of career options is availed.

· Many mobility opportunities.

· Opportunities to take full lateral responsibilities.

Learning process of ALSTOM India Ltd:

The ALSTOM learning institute has the following set of objectives.

1. To identify and share best development and training practices.

2. To initiate and share best development and training practices.

3. To develop and deploy new transverse programs.

4. To design personal development path for specific functional group.

SUPPLY DEPARTMENT:

Supply management means all the goods and services, which all include in the supply management. They deal with all matters of the company.

Manpower in this department is 11.

Objectives of purchase department:

· Speedy procurement.

· Right quality at right place at right time.

· Achieve reasonable control on delivery and procurement time.

Purchase policy:

· At present there are nearly more than 1000 suppliers for Durgapur and Shahabad works.

· Vendors having ISO 9000 or certification are performance.

· Procurement of raw materials for all pressure parts are made from reputed IBR approved makers.

· For all eligible purchases, MODVAT and CEMENT credits as per law are availed.

SWOT ANALYSIS OF THE COMPANY as per my knowledge :

STRENGTH:

1. Company has a world leader status in power and infrastructure markets.

2. The company has a long period of operation and has strong existence in the market.

3. Well-developed infrastructure with 649 acres of land providing.

4. All the majors’ welfare facilities to the staff.

5. The company is located near the river kagina thus having no problem of water at all.

6. Company has a high business ethics and values.

7. The company has the never ending market throughout the world as it specializes in power and transport infrastructure.

8. It has very reputed companies as its customer situated all over the world.

9. It is well connected through rail and air

WEAKNESSES:

1. It has a BHEL as a major competitor which is a public sector company which snatches many order of ALSTOM due to its political influence.

2. Due to the large scale of production the company faces slight labour problems like lack of experience, labour turnover.

OPPORTUNITIES:

1. The company has good opportunities for further capacity expansion as it is having a large amount of extra and.

2. The company is having a wide speeded international presence which will help the company to bag orders.

3. The company is making good profit since a long time. This helps the company to diversify its operation in various geographical areas.

4. The power and transport market of the company is growing rapidly throughout the world.

5. It has very less number of competitors throughout the world.

6. The company leads by very qualified and experienced directors.

MY SUGGESTIONS TO COMPANY (as per my knowledge) :-

1. The current liability as it has increases year by year. The management should pay off its liability as it may affect the liquidity position of the company.

2. The company should practice good budgetary control techniques that should be accurate and be attachable by the company. And also these budgetary techniques should help the company to reduce the cost in the futures.

3. The sales of the company are increasing year after year. Thought there is a cut throat competition in the market. The sales are in an increasing trend. It is because of good quality of his product at reasonable price and customer satisfaction. It is better if the company adopts the same policy in the future.

4. The company has to take steps to carry on effective training and EDP

5. The company has to strive hard to improve the various turnover i.e. debtors turnover ratio, inventory turnover ratio.

About Hyundai Grand i10

2013-10-07T03:12:00.001-07:00

One of the

India

’s best car manufacturer Hyundai company is launched new car diesel version and petrol version, car name is Hyundai Grandi10.

About the car :

My experience is Hyundai Grand i10 car is very very nice to see interior and exterior both designs are very good.

These days every common man wants very good in mileage. As per the customers requirement car mileage is 24 KMPL. As per my knowledge 20 KMPL it is 100%.

About Price Range (in lakhs):

Ex-Showroom Price is Rs.4.29 to 6.40 (ex-showroom prices, in Delhi)

About Engine :

Fuel model is available in Petrol and diesel.

Power is 82bhp at 6000rpm/70bhp at 4000rpm

Torque is 11.6kgm at 4000rmp or 16.3kgm at 1500-2800rpm

Transmission

Gear box is 5 speed all gears are manual operated.

Dimensions are :

Total Length of vehicle 3765mm

Width is 1660 mm

Height 1520 mm

Wheel base is 2425mm

The Grand New LingoARTNOVATION – The Hyundai Grand i10 brings to you a whole new level of ART + INNOVATION. So much so, that it makes much more than a mere statement.

The car is Premium and spacious : The feature-packed Hyundai Grand i10 responds to your every expectation. The cabin color, textures and shape lend it a premium and spacious appeal that will easily make any large car envious.

2^nd generation U2 diesel engine: The most advanced and affordable 2nd generation CRDi technology ensures more performance, more efficiency with lower running costs, lower NVH and lesser emissions.

The new electronic power-steering system (EPS) is still quite light - even at highway speeds - but has better feedback than the likes of the current i10, Verna or the Elantra. It still doesn't feel as sorted as a Figo or a Swift. Like any other Hyundai, the suspension setup provides a very comfortable ride quality. But interestingly, the suspension tuning seems more 'European' than 'Korean/Japanese'. It isn't as bouncy as any other Hyundai while at the same time it absorbs the undulations with surprising ease.

EXTERIOR

Sporty and trendy 14” alloy wheels are available, Chrome door handles also, Rear wiper and washer.

INTERIOR

The GRAND i10 is not merely a ‘grander’ form of the i10. Built on a completely new platform, the car looks totally original. Although the GRAND i10 adopts Hyundai’s fluidic design language, it sports a more sober look with less creases and lines. Hexagonal grille and elongated headlamps look elegant and I particularly liked the unique design of the fog lamps. Sloping roofline, ascending beltline and integrated roof rails coupled with the two-tone diamond cut alloy wheels create athleticism. The wraparound tail lamps are trendy and probably, the best design element of the GRAND i10. The car is very spacious and stylish models, Large legroom and boot space is available, Rear AC vents Multiple storage options is also available. (almost all we are seen in big vehicles only)

The GRAND i10 comes with rear A/C vents and 1GB built in audio memory, two first-in-segment features. Also on offer are push start button, keyless entry, auto-folding mirrors and glove box chiller.

The seats may not be the best for long driving but they are smartly designed and offer good support and especially, spot on driving position. Rear passengers get ample space but the rear A/C vent unit eats into the third passenger’s legroom.

about PERFORMANCE

The Grand i10 is being offered in a choice of two engines - a 1.2-litre Kappa2 petrol that comes from the current i10 but makes slightly more power and torque; and a new 1.1-litre U2 3-cylinder diesel motor.

Optimum performance and mileage company mileage is 24 KMPL (as per my experience 20KMPL 100%), 1.2 Kappa dual VTVT petrol engine it is very very powerful engine, 1.1 U2 diesel engine Manual and automatic transmission.

Handling has never been Hyundai’s forte but the GRAND i10 is proof that the carmaker is seriously working to strike the perfect balance between comfort and handling. The car handles surprisingly better compared to other Hyundais, while keeping the ride comfort unaffected. It is pretty stable at speed and doesn’t totter around when pushed hard into a corner.

SAFETY

Driver side and Left side Dual airbags are available, ABS (anti-breaking-system) is also available, ABS and airbags are not a standard fitment, but available only as an option. Engine immobilizer is standard across all variants and central locking is part of all but the base variant. Reverse parking assist system Reinforced body structure is so nice.

CONVENIENCE

Smart key with push button start / stop options. 2 DIN integrated audio Steering mounted controls are available, Electric adjustable mirrors (these futures are available maximum in high end or big vehicles only)

The overall performance of the Grand i10 CRDi is quite impressive. It's frugal, has an amazing ride quality, a quite cabin for a diesel heart and the improved handling over its siblings is a significant step in the right direction. But vehicle interior and exterior designs are very impressive.

Declaration Format

2013-01-29T02:13:00.003-08:00

Declaration

Firstly I pay sincere gratitude Mr. _____________Principal __________College of ___________for providing me the best facilities available.

Secondly I am immensely in debited _________________________of ______________for women for her help, gratitude and encouragement.

Thanks are due to Mr. ____________________for providing me the permission to carry the project in his esteemed industry.

Last but not least, I would like to convey me heartful thanks to my parents, my project mates, well wishers and all my friends for boosting my confidence in gambling time and encouraging complete the project in time.

Miss/Mr.____________

ZERO BALANCE CURRENT ACCOUNT

2012-12-09T22:48:00.004-08:00

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Iron and Charcoaling Industries

2012-12-09T22:47:00.005-08:00

The Historic Iron and Charcoaling Industries

The beginning of the iron industry in America goes back over 100 years before the Revolution. Pig Iron for the revolutionary War, the War of 1812, the Mexican War, and the Civil War was obtained in large quantities from the Virginia pig iron industry.

It might be said that American iron making began in England. In 1609, iron ore mined by Jamestown colonists was shipped to England where it produced superior metal. Following this successful venture, the first American iron works was erected about 1620 on Falling Creek about 7 miles south of Richmond. However, in the Indian raid of 1622 these first American furnaces were destroyed even before being put into operation.

The first successful iron making industry in the south did not develop until over a century later when Governor Spotswood established furnaces in Spotsylvania Country near the Rappahannock River. The Rappahannock furnace was placed in operation in 1714. For the next 50 years, growth in the iron industry was slow and although furnaces continued to be built, others failed to operate economically or were closed.

In 1781, five operating furnaces were listed in Thomas Jefferson’s “Notes on Virginia”. Of these, Mossy Creek and Zane Furnaces were in the Shenandoah valley, in the 1800’s there were several furnaces operating in the Shenandoah valley area Columbia, Liberty, Caroline, Boyer, and Elizabeth Furnaces to name a few.

Having learned the iron making art during their indentured service to Governor Spotswood eighteenth century Swiss, English, and German settlers scattered across the Common wealth and carried their knowledge into the Shenandoah Valley, where there were already other workers following the valley down from Pennsylvania. Their early furnaces were a far cry from today’s massive blast furnaces of Pennsylvania and Ohio. Though small, there were several essentials for the location of a furnace found in the Valley – an adequate supply of iron ore and limestone, sufficient waterpower to turn a water wheel that operated a bellows for the fire, and an abundance of timber for charcoal that was the fuel for smelting the iron ore.

Elizabeth Furnace is a typical example of these early furnaces. A self-contained community grew up around the furnace – known colloquially as an “iron plantation” under the direction of the owner or “iron master”. These communities (the forerunners of the company towns seen in the coal fields today) consisted of the mansion of the iron master, cottages for the labourers, tool and storage sheds shops for carpenters and blacksmiths, a store, stables, for mules and oxen, schools for employees’ children, and the furnace. The furnace itself was a pyramid of stone, varying in size, usually about 30 feet square at the base and 25 to 40 feet high, furnaces were erected against the side of a small hill so that the charge (iron ore, limestone, and charcoal0 could be carried or wheeled from the stockpile across a bridge and dumped into the stack at the top.

While the furnace itself required a relatively small crew to operate it there were dozens of people working in the woods felling trees, burning the charcoal, working the ore diggings, mining the limestone, and caring for the mules and oxen.

MINING IRON ORE AND QUARRYING LIMESTONE:

Before the mining could begin, the ore had to be located; therefore the first step was prospecting. After a general geological survey was made, trenches or pits were dug. The loose earth was removed and digging continued until the solid strata of the rock was laid open. If the expected vein of ore was not found, the trench or pit was continued farther uphill or downhill until the mineral vein was located. Since the early prospectors had crude tools to execute this type of prospecting. It was best to select the steepest terrain to reduce the amount of work in removing the overburden 9the non-mineral covering of dirt and rock). Many of these trenches and pits may still be seen today throughout the George Washington National forest.

Another method of locating ore was to sink a shaft. A shaft was about four feet wide and 30 to 70 feet deep. These shafts are also extant today on the National forest, appearing as depressed areas in the ground. The costs of sinking the shafts varied from one to three dollars per foot, up to seventy feet, depending on the diameter of the shaft; over 70 feet, the cost increased considerably.

There were two methods of ore mining. These of course were the same as prospecting – surface or strip mining and subsurface mining. Subsurface mining was accomplished either by digging a drift (horizontal) or a shaft (vertical). The mines had to be protected from cave-ins by the use of black locust, white oak, and red oak shoring timers ten to twelve inches in diameter. Most of the mining was the more economical strip mining that entailed the removal of all overburden covering the ore. Miners then excavated the ore with pick and shovel. When the overburden became too thick to remove economically, the strip mine was abandoned and the miners moved to another location. Wages for digging ore and quarrying limestone varied considerably, according to the location and facilities, with the price ranging from one to four dollars per ton.

Deposits of Oriskany brown iron ores occur locally in the western portion of the Appalachian belt, from Maryland to south-western Virginia. Minor deposits in the Shenandoah Valley occur in the Buffalo Gap area, in the Massanutten Mountains, and on North Mountain in Shenandoah and Frederick countries. The iron content of the Oriskany ore ranges between 35% and 50%. After mining and quarrying, the ore and limestone were hauled on wagons pulled by oxen or mules to the furnace bank where it was piled along the road for storage until needed by the furnace.

CHARCOAL MAKING:

The third ingredient needed for iron making was a material to provide heat; charcoal when fired provided the heat to melt the ore. The process of making charcoal was considered an art and the charcoaling skill was called the “Mystery of Charring”. The master collier and one or two helpers “coaled” together work as many as eight or nine pits at a time. The collier’s hut was placed in a central location to the group of pits being fired. The hut was conical in shape, having a base about eight feet in diameter and height of about ten feet. It was constructed of three-inch poles that were covered with leaves to form a mat so that the final dressing of topsoil would not sift through the remaining crevices. A door just large enough for one person to get through was p0alced on the pit side of the hut and a wood stove and rough long bunks wee the furnishing of this temporary structure.

The hearth of the charcoal 9or collier’s) pit was a flat space 30 to 40 feet in diameter and free of all brush, roots, and stumps. Much care was taken so that the surface of the hearth was hard and smooth so s to afford good shoveling and raking of the coal. The hearth had to be level to assure uniform burning.

A collier’s responsibilities did not begin until the wood had been sledded in from the woodchopper’s ranks to the hearth, and there set on end until the entire surface was filled. This wood usually was cut during the winter months and allowed to season until the coaling operations began in late spring. Colliers often became woodchoppers during the winter in order to receive a full years’ pay.

Two sizes of wood were used by the colliers to “set up” their charcoal pits; lap wood ranged in size from one and a half to four inches in diameter, and billets varied from four to seven inches. All wood was cut in four- foot lengths. The woodchoppers “ranked” the cut wood separating each cord by up-right poles so that the owner, in computing the woodchopper’s wages, could count the number of cords readily.

Woodchoppers received 40 to 50 cents per cord ranked. An expert “ranker” could sometimes cut and put up five cords per day. This system was to turn all bark sides down in the rank and use crooked sticks to prevent the wood from packing closely. The average amount cut was two cords per day.

The wood hauler brought the billets and lap-wood from the woodchopper’s ranks to the hearth on a wooden sled pulled by a mule or hose. The road leading to the pit always went right through the hearth so that the hauler could unload easily and drive out on the other side on his way for another load. When the hauler had filled the hearth with wood, that job was finished. It was at this point that the collier and helpers began the building of the pit. Actually, the word “pit” is misleading for it refers to the structure as a whole including the hearth and the pile of wood and does not convey the impression of a hole in the ground.

The first step in building the pit was to find the centre of the hearth and erect the “Fagan” a green pole 18 feet long and three or four inches in diameter. A three-cornered chimney was constructed around the Fagan using lap wood. When the chimney was five feet high, the collier placed the billets carefully against it, allowing each piece to protrude slightly at the base. When the first ring of billets had been placed, another ring was begun, the base protruding a little more each time, so the outside ring would have enough slope to the sides of the pit to enable the final covering of leaves and dust to rest securely without sliding off, lap wood was fitted whenever possible to take up the air spaces.

After the first tier of billets and lap wood, which was called the foot, had been set out from the chimney far enough to give the collier a footing; he climbed up on it, built the chimney up another four feet or so, and then set the second tier of billets and lap wood called the waist. This procedure was continued until the chimney was completed and a rounded structure was fashioned. Throughout the operation great care was taken to set and fit the pieces substantially together to prevent the whole from reeling or twisting. Lapping-off was the last job in completing the construction of the pile. This consisted of using what lap wood was left to fill in all possible air spaces and cracks on the sides before the final covering of leaves and dust was spread on.

The Pit now “set”, the colliers constructed a ladder by notching out steps in an 8 inch log long enough to reach from the ground to the head. Enough chips and fire kindling were cut to fill the chimney within a foot of the top and a bridge of three billets and several pieces of lap wood to cover the chimney made the pit ready for “leafing and dusting”.

Leaves were raked by the collier’s helper, from the forest floor into piles then carried to the pit in baskets. The leaves were scattered uniformly over the pit to a depth of several inches. The long-handled collier’s shovel was used to spread on the dust that had been raked in a ring around the circumference of the hearth during the early preparation of the site. Several inches of dust were required for the sides and at least a foot on the head and shoulders.

The pit was then ready for firing. A shovelful or so of red-hot coals from the colliers cooking

Fire is placed on top of the kindling in the chimney when the bridge and covering were replaced. The lighting of the pit was usually done toward evening in order that the collier might have at least one more good night’s sleep before the constant watching began for it was not likely that the pit would “burn through” or need dressing until the following afternoon. Any kind of wood was used to make charcoal but it must be “solid”. It was generally held that the harder the wood, the better the coal. It was usually the practice to cut clean, using everything except deadwood and in 30 years the tracts would be coaled again,

The collier’s enemy was fire; the “live” fire, which would consume and undo all of his painstaking efforts to achieve the “dead” or charring fie. Flames might break through the covering and destroy the whole pit. A gas explosion might blow off the cover. Soft spots had to be found by the rather dangerous operation of jumping up and down on the surface. They had to be reinforced or dug out and replaced with new wood, leaves, and dust to preserve the original shape of the structure. The pit was tended in this manner every evening in order to prevent, if possible, its burning through during the night. The number of days required for a pit to burn off varied greatly with the size of the hearth and the kind of wood. For the average hearth, this held 30 cords or so of partly seasoned wood. It took from ten days to two weeks for the pit to come to foot, that is for all billets to char.

Because charcoal carries fire for a long time only small amount could be removed at a time making the ranking at a tedious and painstaking task .The collier chose a side of the pit where the dust was driest and with a shovel dug out a portion starting at the foot. This opening acted as a draft and soon there were signs of fire .At that point the collier stooped digging and covered the burning area with dry dust to reseal the pit and allow it cool. The long iron-toothed collier’s rake was then used to draw back into the ring the pile of charcoal which had just been dug out and each pile was kept in a separate ring so that a single fire might not destroy the total.

On the day when the wagon was to come for the first load, the colliers were up early and ready to start work at dawn. They spent several hours in raking out the coal and the rest of the morning in seeing that no fire remained in it. The same collier’s baskets that were used to carry leaves to the head of the pit were used to fill the wagon with charcoal. Charcoal wagons held about 200 bushels of charcoal. They were drawn by six mule teams and equipped with high sideboards and a button that would pull out. Upon reaching the charcoal house, the teamster unhooked the lead team from the “spreaders “and fastened their whiffletree to a coupling connected to the sliding floor of the wagon. In that way the load of charcoal was dumped without effort to the teamster or damage to the brittle charcoal.

Charcoal made an ideal fuel, being almost free of sulphur, and its ash, consisting largely of lime and alkalis, supplied part of the necessary flux. Hickory was the best wood for making charcoal but all trees were used. The wood was not charred immediately after being cut but only a short time before it was needed. Large as most of the strong-walled charcoal houses were, they could not hold enough fuel to feed the furnace for any length of time and to have left the charcoal outside would have made it unfit for use. An average furnace would consume from 600-800 bushels of charcoal every 24 hours. This required about 30-40 cords of wood from trees 25 – 30 years old. Some furnaces consumed the yield of an acre of woodland each day.

Perhaps the one disadvantage of charcoal as a fuel was its lightness that made it easy to crush. This was the factor that limited the height of early furnaces in the Shenandoah Valley to a maximum of about 35 feet.

The clear cutting of the forest went on year round to provide enough wood for the charring season. As many as ten or twelve colliers were needed to keep a furnace going. Three cords of wood made enough charcoal to fire the furnace for about two hours and produce one cubic foot of iron; therefore it took about 8 cords of wood to produce one ton of pig iron. Once the furnace started it ran 24 hours a day during the summer months. If you assume that this season was from May 1 to September 1, then the furnaces operated 123 days. This means that the furnace ran for 2952 hours and consumed 3 cords of wood (in the form of charcoal) every two hours. This meant that each year 4,428 cords of wood was cut off provide the charcoal. This is the approximate yield of about 150 acres of woodlands each year, in the middle 1800’s there were five furnaces operating in the Massanutten area of the Shenandoah Valley alone meaning 750 acres of land was clear-cut to provide charcoal for the furnace and that it would be between 25-30 years before that area could be coaled again. In this amount of time between 19,000 and 23,000 acres of forest had been clear-cut in continuous bands. These operations caused impressive impacts on the forests of the Shenandoah Valley that may still be seen to this day as the mountains were criss-crossed with roads, dotted with collier’s pits, covered with iron ore test pits, and scarred by mining operations.

Three main raw materials were needed for the successful operation of charcoal ironworks: water, iron ore and timber. All of the Shenandoah Valley’s forges and furnaces were located on or near water sources. The bellows connected to a water wheel. As water turned the wheel, the bellows alternately injected blasts of air into the furnace that helped to create and maintain the high temperatures needed for the furnace and forge to work.

The relatively primitive transportation techniques in the 19^th century made it necessary to locate furnaces within a convenient distance from the ore beds. In the Shenandoah Valley a brown hematite ore was the main supply used.

HATTI GOLD MINE

2012-12-09T22:46:00.001-08:00

Hatti Gold Mine

The history of mineral development is as old as the civilization. In

India

, the mineral production dates back to the ancient times as the mining activities can be traced as far back as 6,000 years or so. The remains of some of the old mine workings are witness to this fact.

A few of these workings have led to the discovery of a number of significant mineral deposits, which are being worked in the present time. In recent times the impetus to the mineral development was imparted in the country only after the political Independence came in the year 1947 when the significance of role of minerals was realized in nation building. Realizing the significance of industrial development of the country, Industrial Policy Resolution was promulgated in 1956 by the Central Government. Under this ambitious programme of developing several industries (such as steel, non-ferrous metals, cement, power, fertilizers, etc.) were launched which required increasing quantities of minerals. Coal was the one to have received the maximum attention for being the basic fuel for a whole range of industries such as steel, railways and power plants.

The entire production of lignite, petroleum and natural gas, copper, lead- zinc ores, gold, silver, diamond, tungsten concentrates, pyrites, rock phosphate, etc. was contributed from the mines operated under the public sector.

Current Status

Being aware of the vast potential of the sector, the Indian Government has been consistently and in a pragmatic manner opening up the previously controlled regime to usher private investment in the sector and infuse funds, technology and managerial expertise. The opening up of the Indian mining sector has, therefore, generated considerable global interest. The Indian mining sector was opened up to Foreign Direct Investment in 1993 after the announcement of the New Mineral Policy. In

India

, 80 per cent of mining is in coal and the balance 20 per cent is in various metals and other raw materials such as gold, copper, iron, lead, bauxite, zinc and uranium.

COMPANY PROFILE

BACKGROUND AND INCEPTION OF HUTTI GOLD MINES

1887	Gold Mine was undertaken by ‘Hyderabad (Deccan) Company” for the Nizam of Hyderabad.
1880 -1920	Modern mining took place by M/s. John Taylor's and Sons. During the period between 1902 to 1918 only the Main Reef alone produced 3.8 lakhs tonnes of ore and yielded 7.41 tonnes of gold @ an average grade of 19.45 g/t. and was mined up to 1052 m. depth.
1920	Mine was closed down due to paucity of materials and funds at attributable to world war 1.
1938	Detailed exploration by geological & Geophysical surveys diamond drilling and dewatering of the village reef mine were conducted which resulted in rediscovery of Village Zone-I and Okleye’s Reefs.
1947	On 8th July 1947 “ The Hyderabad Gold Mines Company Limited” was incorporated and the mining operations were entrusted to John Taylor & Sons by the Nizam Hyderabad.
1956	It was renamed as “The Hutti Gold Mines Company Limited” (H.G.M.L) with the formation of Mysore State (now Karnataka) when the state reorganized.
1966	Indian Gold Control Act 1966 imposed severe restrictions on Gold trade and industry.
1971	In its Silver Jubilee year the capacity was tripled from 310 TPD to 910 TPD.
1985	Two loss making Copper units “Chitradurga Copper Company and “Karnataka Copper Consortium Limited “at Kalyadi were amalgamated with H.G.M.L. Thus the company’s operations were extended to copper mining and produced of copper concentrate.
1992	The Gold Control Act was replaced allowing free import of gold resulting in almost stabilization of Indian gold prices.
1996	The Gold Control Act was replaced allowing free import of Gold resulting in equalization of Indian Gold prices with International Gold prices. Introduction of Carbon-in-pulp (CIP) technology in the Mill Department.

1997	In its “Golden Jubilee Year”, H.G.M.L. undertakes a comprehensive Modernized & Expansion Programme to double its production by increasing capacity at Hutti and conversion of Copper units to Gold units at Chitradurga and Kalyadi.
1998-99 & 2002	Phase wise Ball Mill addition.
2004	Introduction of large Agitators (11m dia x 11.5 m height). And the total Gold production was 3499.227 Kgs. which was the highest record production in the history of the HGML.
2005	Improvement in the Sand Stowing system, Detoxification plant, new high rate thickener and Carbon column.
2008	The total Gold production was 2796 Kgs. of gold was produced in the year 2007-08.
2010	Sag & Ball Mill.

Hutti Gold Mines Company Limited (HGML), Government of Karnataka Undertaking (Established in 1947 as Hyderabad Gold Mines), has the unique distinction of being the only producer of primary gold in the country.

HGML has been active in the exploration, development and exploitation of gold deposits occurring in Karnataka.

The Company’s Corporate office is situated in Bangalore and it operates two units and two satellite mines. The Hutti Gold unit (HGU) and satellite mines at UTI (Opencast) of Deodurga taluk and Heera Buddinni (Exploratory Underground mine) of Manvi taluk-in Raichur district and the Chitradurga Gold unit (CGU) in Chitradurga district.

HGU with capacities to produce 600000 TPA currently processes the ore from Hutti Mine and two satellite mines at Uti (opencast) and Hira-Buddinni (Exploratory underground mine). The gold operations at CGU are temparorily suspended, and the Company has installed wind farm with capacity of 9.3MW power generation in its area.

Geology & Reserves

Hutti is located at Latitude 16^o 12’ N. Longitude 76^o 43’ E.

The Hutti Gold Deposit is located in the Hutti-Maski Pre-Cambrian greenstone belt. The auriferous lodes occur within the metaba salts and are gold quartz sulphide lodes, which are confined to laterally and depth persistent shear zones.

Gold occurs in native state and is generally associated with quartz veins and also with sulphide minerals viz., arsnopyrite, purrhotite and pyrite as inclusion, fracture filling and also replacement in microscopic and submicroscopic particles. Localization of gold mineralization is litho logically and mainly structurally controlled and the ore shoots have typical geometric pattern of distribution. There are nine parallel lodes exposed on the surface, of which six lodes are being mined. The Hutti deposit extends for about 4 km strike length and the width covered by all the parallel lodes is about 1.5 km. The parallel lodes have a general strike of NNW – SSE and dips ranging from 600-700 due West.

The strike length covered by the present mining is 1.4 km and the proved and probable ore reserves up to the present mine depth of 846 m are 6.76 million tonnes at 5.27 g/t grade. The immediate northern and southern extensions of Hutti mines also have good potential and detailed exploration by drilling and exploratory mines development is in progress on the extensions of New East Reef, Strike Reef, Zone-I Reef, Middle Reef and Oakley’s Reefs.

Nature of the Business carried out

Ø To carry out exploration activities to increase the ore reserves of the mining area and find new deposits

Ø To beneficiate, smelt, refine, cast of finished gold metal in to saleable products in the form of bullion buttons

Ø To increase the efficiency of the mine and production plants with the cost reduction, by producing 2000 tons per day & by implementing modernization/expansion project

Ø To improve profitability to achieve financial stability

Ø To build a top class Gold Mine for next 50 years

VISION AND MISSION:

Vision

ü The Corporate Vision is to become one of the most vibrant, self reliant, financially viable Corporate.

ü Improve Productivity and Profitability.

ü Provide Steady Growth in terms of percentage of capacity utilization.

ü Provide safe working condition and strong focus on safety.

ü Give more importance to the Mined development and safety of workers and endeavour to adopt world class safety standards.

ü To reach the set targets and goals by adopting process improvement.

ü To undertake welfare and community development in Hutti.

Mission

ü To develop HGML industry on sound lines by exploiting existing gold deposits and developing new gold mines located in various parts of Karnataka.

ü Adoption of appropriate cost effective measures

ü Bringing modern mining technology and expertise

ü Adopt modernization and expansion programs at Hutti in order to make the company a self reliant, financially viable venture.

ü Have environment friendly and healthy mining and production process

PRODUCT PROFILE:

Gold has long considered one of the most precious metals, and its value has been used as the standard for many currencies (Known as the gold standard) in history. Gold has been used as a symbol for purity, value, royalty, and particularly roles that combine these properties.

The price of gold is determined on the open market, but a procedure known as the Gold Fixing in London, originating in 1919, provides a twice-daily benchmark figure to the industry.

Historically gold was used to back currency in an economic system known as the gold standard in which one unit of currency was equivalent to a certain amount of gold. As part of this system, governments attempted to control the price of gold by setting values at which they would exchange it for currency.

For all long period the HGML, Government of Karnataka Undertaking (Established in 1947 as Hyderabad Gold Mines), has the unique distinction of being the only producer of primary gold in the country.

HGML has been active in the exploration, development and exploitation of gold deposits occurring in Karnataka.

Gold Bullion buttons/bars Produced By Hutti Gold Mines

GML’s Production Performance of the Decade (2000-2010)

Year	Ore hoisted Hutti only (in tons)	Ore treated (Hutti + NP) (in tons)	Gold produce (in kg’s)
1999-00	254529	349084	1395.82
2000-01	260199	335845	1784.99
2001-02	379251	409437	2333.50
2002-03	460637	525928	2640.496
2003-04	483263	623125	3096.544
2004-05	480826	592685	3507.607
2005-06	454351	513722	2848.340
2006-07	484723	522374	2336.36
2007-08	504654	570447	2420.232
2008-09	504654	570447	2420.232
2009-10	498099	555200	2069.750

Area of operations:

The area of operation covers Karnataka state. It can be said as regional operation. The Hutti gold mines ltd is only one unit producing gold. It has got other units like HIRABUDDINI & UTI. The company can produce around 7 kilograms of gold every day and will send to Bangalore regional office to sell in Bombay Bullion market Chitradurga Windmill Project.

Ownership pattern:

Government has owned 99%of the company shares and rest is owned by the private enterprises.

Competitors’ information:

There are no competitors because of the nature of the product that is gold and Hutti gold mine is one and only gold mines in India.

Infrastructural facilities:

Housing :-

The company has having 2365 quarters. These have been allotted to eligible officers, Staff and Employees. Regular visit made to colonies by Welfare officers to regulate Health and Hygienic Camp area.

Hospital :-

HGML Company has also most modern Hospital facility with 120 wide capacity. The existing hospital is equipped with modern infractures like AC operation theatre, ECG, X-ray, Ultrasound scanner, Defibrillator with cardiac monitor, Auto analyzer, Lung function test in computer, Blood bank, Ventilator etc.

HOME LOANS IN DEUTSCHE BANK

2012-12-09T22:41:00.003-08:00

Home Loans in Deutsche Bank

I Think deutsche bank is one of the best bank’s in all to get a home loans. Because deutsche bank offering you best home loans and interest rates and most important in today that is easy installments. When I will decide to construct or purchase a new house/flat I am going with our deutsche bank.

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The advantages of Deutsche Bank Home Loan is whether its purchasing a new house, moving from a rented property to your own, or renovating your existing home, Deutsche Bank has a wide range of home loans that are specific to your needs. The loan amounts range from Rs.2,50,000 to 2 Crores and the tenure is from 5 years to 20 years. You can choose between a fixed and floating interest rate for the loan. Also, with attractive interest rates and savings on taxes, a Deutsche Bank home loan gives you complete peace of mind.

Eligibility for a Deutsche Bank home loan.

· Minimum Age to Salaried and Self employed persons is 23 years.

· Maximum Age to Salaried person 65 years or retirement, whichever is earlier and Self employed persons is 65 years.

· Minimum Gross Annual Income is Salaries and Self employed persons is Rs.1,00,000.

· Minimum Stay at current residence address is Salaried and Self employed persons is 1 years.

· Total work or business experience to salaried person 2 years (for loans up to Rs.1 Crore) 4 Years for loans greater than 1 crore. And Self employed 2 years (for loans up to Rs.1 Crore) 5 Years for loans greater than 1 crore.

· Telephone Land Line is most important for both residence and offices for Salaried person and Self employed person.

Necessary Documentation for Deutsche Bank Home Loan :

· For Salaried Persons Salary Slip of last one month or latest salary certificate showing all deductions and loan out standings, Form No.16, HR Certificate showing all allowances and reimbursements and Copy of Bank Statement (Main Account) for last 6 months.

· For Self Employed persons Income Tax Returns for last 2 years, Profit and Loss Account along with computation of income and Balance Sheet for last 2 years, duly certified by a C.A., Proof of business continuity for last 3 years and Copy of bank statement (main account) for last 6 months) or short note on the nature of business, form of organization, clients and suppliers etc.

· Photo Identity to Salaried and Self employed persons are below :

Passport, Photo Pan Card, Defence/Govt. ID Card, Voter’s ID Card, Driving Licence. (any two)

· Photo Signature Verifications to Salaried and Self employed persons are below :

Passport, Banker’s Certificate, Pan Card or Driving Licence. (any One)

· Age Proof to Salaried and Self employed persons are below :

Passport, Voter’s ID Card, Birth Certificate, Pan Card, Life Insurance Policy or Driving Licence. (any One)

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(06-12-2012)

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Call to 6601 6601

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Loans in KBS Bank

2012-12-09T22:40:00.003-08:00

ABOUT KBS BANK :

Krishna Bhima Samruddhi Local Area Bank Limited (Samruddhi Bank) was incorporated in 1999 and was granted license by Reserve Bank of India, the bank regulator in India, to carry on banking business as a local area bank in the districts of Mahboobnagar in Andhra Pradesh state and Raichur and Gulbarga districts in Karnataka state. Samruddhi Bank is presently owned entirely by Bhartiya Samruddhi Investments and consulting services Ltd. (BASIX Ltd.) which has invested Rs.50 million in the bank. The Bank started operation in February, 2001

The concept of Local Area Bank (LAB) was introduced in 1996 with a view to mobilize rural savings and make them available for investment in the local area of operation of such banks. The local area banks were expected to bridge the gap in the availability of credit and strengthen the institutional credit framework in rural and semi-urban areas. LABs were required to finance and Isquo; priority sector and rsquo; that included agriculture and allied activities, trading activities, non-farm sector and cottage and village industries and small scale industries. Their lending to priority sector consisting of the above activities was to be minimum 40% of their net bank credit and lending to weaker section was to be at least 25% of their priority sector lending vast number of poor people particularly in rural areas.

Area of Operation:

Samruddhi Bank is operating in three most backward districts located contiguously in two states of Andhra Pradesh and Karnataka. Samruddhi Bank has a network of 14 branches locations are as under: As per the RBI report, all the three districts are considered as under-banked districts of the country. The profile of the area is given below:

Mahboobnagar District:

The district is located in the state of Andhra Pradesh. Bank’s head office is located in the district headquarter two of Mahboobnagar. There are 1477 villages in the district with a population of 35.13 Lakhs. Agriculture is the predominant economic activity with more than 75% of the people depending on agricultural activities for their livelihoods. 48% of the landholdings are less than one hectare in area. 22 Percent of net sown area is under irrigation. Normal annual rainfall is around 600 mm. Millets, Pulses and oilseeds are the major crops with Castor alone occupying 30% of the area. Other important economic activities are handloom weaving and sheep / goat rearing.

There are 229 bank branches including RRBs (70) and co-oprative banks (19) operating in the district. The deposits aggregate Rs.2,690 crores and advances Rs.2,481 crores as on 31.03.2008 and the Credit Deposit ratio is 92%.

Branches in Andhra Pradesh State:

Mahboobnagar

Atmakur

Kodangal

Gadwal

Nargarkarnool

Raichur District:

The district is situated in Karnataka state. It has 808 villages with a population of 16.70 lakhs. Normal rainfall is 621 mm and the predominant economic activity is agriculture. The principal crops are Paddy, Jowar, Tur, Groundnut, Sunflower and Cotton. 42% of landholdings have an average area of 2 hectares and above. Irrigated area constitutes 30% of the net sown area. The district also has substantial area under plantation crops like Mango and Coconut. The district is a major centre for cotton production. There are several agro based industries in the district viz. rice mills, oil mills, cotton ginning and pressing factories and spinning mills.

There are 129 bank branches functioning in the district. The aggregate deposits and advances as on 31.03.2008 are Rs.1456 crores and Rs.2002 crores respectively. Credit Deposit ratio is 138%.

Branches in Karnataka State: (Raichur District)

Raichur,

Manvi

Deodurg-Bank-on-Wheels (A Mobile

Br.

)

Sidhanur

Gulbarga District:

Gulbarga district is located in the state of Karnataka. The district has 1360 villages. Population is Rs.31.25 lakhs with majority of people involved in agricultural activities. 50% of landholdings have an average area of above 2 hectares. 14% of net sown area has irrigation facilities. Normal annual rainfall is around 700 mm. The major crops grown are Millets, Pulses, Sugarcane and oilseeds. Except for a few cement and Dal processing units, the district does not have any other industrial activity and is considered industrially backward. However, there are a sizeable number of rural go downs located in the district.

There are 209 bank branches operating in the district. The outstanding Deposits as on 31.03.2008 are Rs.2745 crores and advances are Rs.2966 crores. Credit-Deposit ratio is 108%.

Branches in Karnataka State: (Gulbarga Dist.)

Gulbarga

Yadgirs

Kamalapur

Chowdapur

Aland

In addition to deposits, advances have also shown healthy growth, especially in the farm and non-farm segments.

Loan Schemes:

Definitions

1. A sum of money given to an individual or individuals with the intent that it is to be repaid at some future date along with any agreed upon interest.

2. An advance of funds from a lender to a borrower on the agreement that the borrower pays interest on the loan, plus paying back the initial amount of the loan at or over an agreed time.

3. When a lender gives money or property to a borrower, and the borrower agrees to return the property or repay the borrowed money.

What is Loan?

A loan is a type of debt. This article focuses exclusively on monetary loans, although, in practice, any material object might be lent. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.

The borrower initially does receive an amount of money from the lender, which he has to pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt. A loan is of the annuity type if the amount paid periodically (for paying off and interest together) is fixed.

A borrower may be subject to certain restrictions known as loan covenants under the terms of the loan.

Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.

Legally, a loan is a contractual promise between two parties where one party, the creditor, agrees to provide a sum of money to a debtor, who promises to return the money to the creditor either in one lump sum or in parts over a fixed period in time. This agreement may include providing additional payments of rental charges on the funds advanced to the debtor for the time the funds are in the hands of the debtor (interest).

Secured

A secured loan is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan.

A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security - a lien on the title to the house - until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter - often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer.

A type of loan especially used in limited partnership agreements is the recourse note.

A stock hedge loan is a special type of securities lending whereby the stock of a borrower is hedged by the lender against loss, using options or other hedging strategies to reduce lender risk.

A pre-settlement loan is a non-recourse debt, this is when a monetary loan is given based on the merit and awardable amount in a lawsuit case. Only certain types of lawsuit cases are eligible for a pre-settlement loan. This is considered a secured non-recourse debt due to the fact if the case reaches a verdict in favor of the defendant the loan is forgiven.

Unsecured

Unsecured loans are monetary loans that are not secured against the borrower's assets. These may be available from financial institutions under many different guises or marketing packages:

· Credit card debt

· Personal loans

· Bank overdrafts

· Credit facilities or lines of credit

· Corporate bonds

The interest rates applicable to these different forms may vary depending on the lender and the borrower. These may or may not be regulated by law. In the United Kingdom, when applied to individuals, these may come under the Consumer Credit Act 1974.

Other terms and conditions in Loan Products:

· Crop loans / Samruddhi Kisan Credit Card (SKCC)

All crop loans shall be though Samruddhi Kisan Credit Card, for SKCC loans the limit will be Rs.1,00,000/- maximum, in which upto Rs.25,000/- should be through JLG while above that will be individual loans with mortgage. Loans upto Rs.10,000/- invariably in JLG only except for hospitalisation / emergency loan for staff. Loans above Rs.10,000/- to Rs.25,000/- either in JLG or individual basis, with collateral security. Maximum limit for JLG for all loans is Rs.25,000/- only. Loans above Rs.25,000/- must invariably given as individual loans. There should be a minimum of 15 days gap between date of loan closure and disbursements of repeat loan in crop loans. Vegetable cultivation loans should be given under crop loans.

· Sudhama Loan:

Ceiling on Sudhama loan will be savings plus Rs.3000/-.

· Agri Investment Loans:

Agri-term loans can be given in villages which have at least 10 monthly recovery accounts and an OTRR >=95%.

· Lift Irrigation Loans:

Distance between points of lift to point of delivery must be 1500 Mtrs. Maximum limit: Rs.20,000/- per acre and Rs.2,00,000/- per project.

· NFS Growth Micro Enterprises Loans (Composite term loan)

Growth enterprise loan product should be followed as given below;

Ø Micro Loans: Rs.50 K at 21%.

Ø Small Loans: > Rs.50K to Rs.200K at 15% - 18% based on rating.

Ø Macro Loans: > Rs.200K to Rs.500K at 15% - 18% based on rating.

Composite term loan Includes loan for fixed assets and working capital requirements. NFS growth micro loan can be given for first time borrowers. Growth-Micro loans are restricted to activities, which generate direct and significant wage employment and have regular cash flows.

· Housing Construction / Repair or Extension:

Housing loans can be given in villages which have at least 10 monthly recovery accounts and an OTRR >=95%.

· Vehicle loans to employees / LSPs

Vehicle loan to employees / LSPs should be 85% of the vehicle cost (it will be only cost of vehicle) and 60% of the depreciated value for used vehicle. All vehicles of staff and LSPs financed by must be hypothecated in favour of Krishna Bhima Samruddhi Local Area Bank Ltd. Obtain copy of the R.C. book, insurance copy. The same should be attested by the Branch Head duly verifying the originals and the same to be kept along with the loan documents. Comprehensive insurance of the vehicle shall be done on the day of purchase and before on road. Signature on the “Change of ownership form” Form No. 29 should be taken along with the application. It is the responsibility of the BH to ensure this.

· Vidya Samruddhi Loan Product and Procedures:

Target customers of Vidya Samruddhi education loan will be students from rural areas / towns staying in Krishna Bhima Samruddhi Local Area Bank Ltd. (KBS Bank) operating areas and are admitted to job guaranteed courses offered by reputed institutes.

Product:

· Minimum loan amount is Rs.10,000/-.

· Loan will be limited to maximum of 75% of the cost of study of the courses, subject to a ceiling of Rs.2,00,000/-. The cost of study will include fee payable to the institution, cost of books (as per the estimate provided by the institution), cost of computer (if required for study and certified by institution). All other expenses are to be borne out of the own resources of the applications.

· The repayment has to commence from 6 months after completion of study or immediately on securing employment, which ever is earlier. The maximum repayment period will be 4 years from that date. Thus the maximum tenor of the loan is 6½ years. Interest has to be paid during the period of moratorium by the co-applicant or guarantor.

· Interest chargeable for Professional Higher Education courses would be at the rate of 15% on diminishing balance, upfront loan processing fee at the rate of 2% plus service tax as applicable.

· Interest chargeable for Vocational courses at the rate of 18% on diminishing balance, upfront loan processing fee of 2% and service tax as applicable. Maximum exposure upto 75% of the course fee and tenure Upto 3 years.

· Recovery has to be made through post dated cheques (PDCs) and / or through Electronic Clearing System (ECS).

· Applicant would be the student, parent would be co-applicant (preferably who is earning), guarantor must be an employee with State / Central Government / PSUs / Reputed Corporate and Banks. Minimum net monthly income of the guarantor should be Rs.5,000/- and should have sufficient service to cover the loan period.

· For the present, the scheme will be limited to cover only domestic courses. The maximum duration of the course has to be 2 years.

Procedures:

· At the time of disbursement we have to collect 3 PDCs from each applicant, co-applicant and guarantor as a security.

· Disbursement will be made by the branch favouring the educational institution and documents should be kept with unit.

Disbursement has to be made direct to the institutes / vendors. Cost of books purchased can be reimbursed in cash subject to production of receipts.

Financial Services

Savings; Samruddhi Bank is offering different Deposit Products to its customers depending on the needs of the customers.S.no Saving Product

Product Description

1) Fixed Deposit IAWPA fixed deposit, which will mature on a specific period in the future and payable after maturity along with the interest.

2) Fixed Deposit ARIA fixed deposit which will mature on a specific period in the future and interest payable periodical basis as requested by the depositor.

3) Savings Bank: A Normal savings bank with multiple deposits and multiple withdrawals.

4) Samruddhi Life Savings Bank: A savings bank with multiple deposit and multiple Withdrawals. The deposit holders will get a free Accidental Insurance as well as Life Insurance

5) Samruddhi Cash Certificate: A fixed deposit payable after maturity.

6) Recurring Deposit: A Fixed deposit with monthly installments, payable on maturity along with interest.

7) Samruddhi Daily Deposit: A daily deposit product, a multiple of Rs.10I- to Rs.2501- for aperiod of 6 months, payable on maturity.

8) Current Account: A bank account with multiple deposits and multiple withdrawals normally used by business entities.

9) Samruddhi Life Term Deposit Insurance linked fixed deposits.

10) Samruddhi 365A fixed deposit which matures with 365 days and with 11% interest rate.

Loans

Samruddhi Bank offers a wide range of loans catering to different segments of the poor and their varied needs across a large number of economic activities, as follows:

· Crop Loans through Joint Liability Groups! Crop loans through Bore well users association.

· Samruddhi Kisan Credit Card : Credit Card for crop loans

· Sudhama Loans- Loans

· Agri Allied

· Non Farm Micro and Growth Enterprises

· Loans to SHG/MACTSNO

· Rural Housing Loans

· Loans against bank’s deposit

· Small Road Transport Loans

Money Transfer

Samruddhi Bank is offering cheaper money transfer facility payable at more than 228 locations across India in agency arrangement with lClCl bank.

Insurance

Samruddhi Bank is providing various insurance services as follows:

· Life insurance for customer - Aviva Life Insurance Company

· Livestock insurance - Royal Sundram Insurance Company

· Weather insurance - ICICI Lombard Insurance Company

· Crop insurance - Agricultural Insurance Company of India

· Health insurance - Royal Sundram Insurance Company

Samruddhi Bank has established; Samruddhi Centre for Livelihood Promotion; for extending Agriculture and Business Development services mainly to its customers. Over 1000 of its customers (largely dairy farmers) are already getting such services. The centre is in process of extending such services to customers with agricultural crops like red-gram, paddy and non-farm micro-enterprises like Kirana shops, vendors, small restaurants etc. The centre will also provide technical services for institutional development for such small groups of producers.

ABOUT SONY XPERIA MOBILES

2012-12-06T01:11:00.004-08:00

In the Indian Market there are to many mobile manufacturing company’s are launching daily one new mobiles in the market. There is a too many mobile companies in the market like Vidiocon, Micromax and too many local companies.

Wolds one of the best mobile Manufacturer company is introduced one new handset in market. That is Sony company. Sony Mobile have different image in hole market, Sony mobiles means Music Guru. Sony company compotators in the market are Nokia, Samsung & HTC. But Sony company have different image in Indian Market. The Sony Xperia SL-LT26ii features are very easy to use and easy software to operate. Sony Xperia is 4.3 inch. Scratch free - resistant, shatter-proof & High Definition Reality Display Touch Screen to give you a fabulous experience and display. Android 4.0 operating system. A stunning 12.1 megapixel camera with auto focus with 16x digital zoom and LED light flash along with High definition video recording is perfect to capture the best indoor and outdoor shots in day and night also, even in low lighting. Business communication becomes simple as this smart phone has amazing features like E-Mail syncing. Stay entertained every moment as this cool phone has FM radio, Track Id music, MP3 player recognition to get to know the album and artiste of any song playing anywhere, audio-video player supporting multiple formats, 3D surround sound, 3D and motion gaming, Walkman application and Certified Play Station also have. The 1.7 GHz dual core processor makes multitasking at great speeds. 3.5 Jack pin also available. But as per my knowledge out of 100 people, 70-75% of people are suggest you to go with Sony Company mobiles. My best suggestion is those are Love a Music please go with Sony Xperia SL-LT26ii. In Indian Market Its price is 32000k to 27000k (dt.6-12-2012). Mobile Details are below.

Mobile Size & Weight
Display	4.3'' (10.9cm) Capacitive TFT Touch Screen
Dimension	128.0 x 64.0 x 10.6 mm
Weight	144 Gms

Mobile Design & Display
Type	Touch Bar
Resolution	1280 x 720 pixels, 16M Colors

Camera Quality
Camera	Dual type Camera: Back: 12.1 MP/ Front: 1.3 MP
Camera Features	LED Flash, Auto focus, 16x digital zooming, Aperture f/2.4, 3D Sweep Panorama, Face recognition and Smile detections.
Video Recording option	Yes @ 1080p with HD

Battery details
Talk Time	Upto 8 h 15 mins
Standby mode	Upto 400 hrs

Audio & Video quality
Music Player	Yes with 3.5mm Audio Jack
Radio	FM Radio with RDS
Compatibility	Audio: MP3, 3GPP, MP4, SMF, WAV, OTA, Ogg vorbis, FLAC Video: 3GPP, MP4

Data & Connectivity options
Wi-Fi/ GPRS/ EDGE/ Bluetooth/ USB	Yes with 100% quality
3G/ A-GPS	Yes
Operating System	Google Android 4.0 ICS OS, CPU: 1.7 GHz Qualcomm MSM8260 Dual Core processor

GSM/ CDMA

GSM (Single SIM)

Memory status
Internal Memory	Upto 32 GB (up to 26 GB User-accessible memory), RAM 1 GB

Other Features details

Other Features

Upto 33 Hours Music listening time

Upto 6 H 30 m Video Playback

TrackID Music recognition

xLOUD Experience Audio filter technology

3D and Motion Gaming

Timescape with Twitter integrated

Xperia with Facebook

Sony Entertainment Network (selected markets only)

Clear Audio and Clear Bass

3D Surround Sound

PlayStation Certified

Walkman App Support

High speed 2.0 and Micro USB support

WiFi and WiFi Hotspot Support

HDMI Support

DLNA Certified

Near Field Communication Support

WebKit web browser with Pan & zoom

Native USB tethering

ANT+ sports fitness

HD Reality Display with Mobile BRAVIA Engine

Free 50GB cloud storage for life

Shatter proof sheet on mineral glass

On-screen QWERTY keyboard

Screenshot capturing

Google Voice Search, Gtalk, G Mail, GMaps Google Maps with Street View and Latitude

In Mobile Package detials

Handset-1, Mobile Charger-1, USB Cable-1, Portable Hands free-1, Leather Case-1, Car Charger-1, 1 NFC Tag-1, User Guide-1.

ABOUT NOKIA LUMIA 900

2012-12-06T01:07:00.002-08:00

Nokia is a one of the worlds No.1 Mobile Manufacturer Company. And It is completely attacked the hole mobile Market in entire world. Our Indian people without any drought they will except Nokia is one of the best mobile company in the market. There is too many mobile companies in market and sum companies have better options from Nokia. But as per my knowledge out of 100 people, 90% people are suggest you to go with Nokia Company mobiles. So year to year Nokia mobiles selling rate is grooving higher day by day. Now Nokia company is launched new Nokia Lumia 900.

The new Nokia Lumia 900 have amazing speed, strong Wi-Fi connectivity feature and good quality front and back camera for photos and video calling also. Nokia Lumia 900 has an amazing 4.4 inch touch screen that gives you the best view. It has the most Windows Phone Operating System and a dedicated keys on the display. The internal memory of this phone is 512MB and the mass memory ranges expandable upto 16GB. It has e-mail solutions like Yahoo! Mail, Nokia Mail, Hotmail, Outlook, facebook and more. It also has instant services like Facebook chat, Twitter and LinkedIn. The GPS navigator helps you to find the nearest theatres, cafes, outlets, gardens, restaurants and more. Nokia Lumia 900 have a rear camera of 8MP with touch focus that gives you high quality pictures/photos and videos in High Definition format. From Nokia Lumia 900 you can share the videos directly to social networking sites. It has Internet Radio and FM radio to take you through the radio stations. As per My knowledge more details about Nokia Lumia 900 is explained below.

Specifications:

Size & Weight Details
Display:	4.3'' (10.92cm) AMOLED ClearBlack Touch Screen
Dimension:	127.8 x 68.5 x 11.5mm
Weight:	160 Gms

Design & Display Details
Type:	Touch Bar
Resolution:	480 x 800 Pixels, 16.7 M Colors

Camera Quality
Camera:	Dual : Back: 8 MP/ Front: 1 MP
Camera Features:	Dual LED Flash, Carl Zeiss Tessar lens, 3264 x 2448 pixels, Auto & Touch focus , 3x Digital Zoom, Auto and Manual Exposure, Geo-tagging, Auto and Manual White Balance, Multi Scene Modes
Video Recording:	Yes

Battery Details
Type:	BP-6EW, 3.7V, 1830 mAh
Talk Time:	· 2G: Upto 7 hrs · 3G: Upto 7 hrs
Standby Time:	· 2G: Upto 300 hrs · 3G: Upto 300 hrs

Audio & Video Features
Music Player:	Yes with 3.5mm Audio Jack
Radio:	Yes
Compatibility:	· Audio: QCP, AAC, AMR, MP3, M4A, WMA

Data & Connectivity & Blue Tooth
Wi-Fi/ GPRS/ EDGE / Bluetooth/ USB:	Yes
3G/ A-GPS:	Yes
Operating System:	Windows Phone 7.5 Mango OS

GSM / CDMA:

GSM (Single SIM)

Memory Detils
Internal Memory:	16 GB, 512 MB RAM

Other Useful Features

Other Features:

· Ambient light detector

· Brightness control

· Corning Gorilla Glass

· Orientation & Proximity sensor

· Dedicated Hardware keys

· Micro-USB 2.0 Support

· DLNA Support

· Portrait Display orientation

· Bluetooth v2.1 + EDR Support

· Personal Information Features Support

· Xbox Live Hub & Marketplace Gaming Support

· Hotmail, Yahoo Mail, Nokia Email Support

· Windows Live / Hotmail / Outlook.com

· Video Streaming

· Internet Explorer 9 & HTML 5 Support

· Panorama, Self-timer & Still Multi Panoroma Capture Modes

About hTC Android Mobiles

2012-12-02T23:05:00.002-08:00

In India one of the Fast Growing or Fast Selling Mobile is HTC, The Mobile Shapes, Design, Internal Software, Features and most important in Indian Marketing it is Mobile Price also very good and any one can able to buy this mobile. HTC company created his own different image in Indian market.

Connectivity simplified. The HTC Desire C has the capability to simplify your life with its smart functioning. Your past memories will always be alive in your present if you have this Smartphone, as you can click pictures and shoot videos with an excellent 5MP rear camera. Also, you are just few touches away from sharing them online as it boasts of deeper integration through Face book. Enjoy rich music that pleases your ears with its better and authentic sound quality with Beats Audio TM. With the CPU speed of 600MHz & Android 4.0 OS you can chat, browse and interact faster. Give space to your special memories with the memory storage capacity up to 4GB.

An output of the HTC Desire Series, the HTC Desire C is an engaging phone packed with a number of useful features. Like the HTC Desire phones preceding it, the Desire C comes in a candy bar form and is run on the intelligent Android v4.0 (Ice Cream Sandwich). The Android operating software is backed up by a 600 MHz Scorpion processor and an adequate 512 MB of RAM to ensure that apps on the mobile are run in an efficient manner.

The device has an attractive 3.5-inch Capacitive Touch screen display which provides an HVGA resolution of 480 x 320 pixels. The interface on the device is the HTC Sense 4.0 which is capable of enhancing as well as simplifying usability of this HTC mobile.

The HTC Desire C comes packed with a powerful 5 megapixel camera which doubles up to record video as well. The camera features tools such as Auto Focus and Geo–tagging which make it simple and quite user friendly.

Design

The phone is aesthetically attractive to look at and possesses straight edges meeting up at well-rounded curves. The thickness of the device is 11.95 mm and it weighs in at a slight 98 g which makes it easy to hold in the palm of the hand. The Proximity sensor on the device switches off the display when the user takes a call while the Ambient Light sensor adjusts the brightness of the screen depending on the intensity of light in which it is held. Both these sensors enhance the usability of the phone while also serving to preserve battery power.

Storage and Battery

The HTC Desire C contains an internal memory of 4 GB. This memory can be increased with a micro SD card by up to 32 GB which can store the user’s music collection and videos as well. The phone is powered by a 1230 mAh battery which provides for optimum battery life.

Connectivity and Features

This HTC device is capable of connecting to the internet through the multiple connectivity features it possesses. The phone incorporates GPRS and EDGE technology to stay connected on the 2G network. For an enhanced browsing experience the device is capable of connecting to the 3G network as well. Additionally, the HTC Desire C is also WiFi enabled so that the user may connect to a wireless network in their vicinity and can be tethered to another device using the WiFi hotspot function. Data can also be exchanged via the Bluetooth function on the phone or the micro USB port on the device. The assisted-GPS feature on the HTC Desire C serves as a navigation aid in the form of Google Maps.

The entertainment features of this phone include a music player and a video player. The HTC Desire C also comes with inbuilt Beats Audio technology to enhance the clarity of music that is played from the device. Useful apps such as Gmail, YouTube, Google Search and Google talk are bundled into the device to improve its user friendliness.

Complete Details about mobile is below.

Weight & Size

Specifications	Details
Display:	3.5'' (8.89 cm) Touch Screen
Dimension:	107.2 x 60.6 x 11.95mm
Weight:	98 Gms

Design and Display

Specifications	Details
Type:	Touch Bar
Resolution:	480 x 320 Pixels

Camera Details

Specifications	Details
Camera:	5 MP
Video Recording:	Yes

Battery Details

Specifications	Details
Type:	1230 mAh

Audio & video & MP3 Details

Specifications	Details
Music Player:	Yes with 3.5mm Stereo Audio Jack
Compatibility:	Audio: AAC, .AMR, .OGG, .M4A, .MID, .MP3, .WAV, .WMA Video: .3GP, .3G2, .MP4, .WMV

Connectivity & Data (Bluetooth & Infrared) Details

Specifications	Details
Wi-Fi/ GPRS/ EDGE/ USB:	Yes
Operating System:	Android 4.0 with HTC Sense 4 OS, CPU: 600 MHz Processor

General Details

Specifications	Details
GSM / CDMA:	GSM (Single SIM)
Internal Memory	4 GB, 512 MB RAM
Other Features:	Micro SD 2.0 Card support Proximity, Ambient light sensor & G-Sensor Beats Audio sound enhancement Audio & Video Player

Warranty / Guarantee Details

Specifications	Details
1 Year Manufacturer Warranty for Handset	6 Months Manufacturer Warranty for Accessories

If you want to buy a new android mobile my suggestion is go with HTC Mobile. Because its applications are very fast and best. Its looking very nice in black and white colour.

SAMSUNG LED 32 INCHES DETAILS

2012-11-30T01:10:00.001-08:00

Samsung 32EH6030E 32" LED TV

Samsung is the India’s One of the Most Popular TV/LCD/LED Manufacturer and Seller is Launched & Presenting Samsung 32EH6030 32 inch LED TV. Samsung is experience the picture like never before seen in any other TV. This LED TV is Full HD display this gives you an amazing viewing. It has SRS Theatre Sound HD technology to enhance while watching your favorite shows or movies. The Digital Noise Filter technology refines the sound. The two speakers in the LED TV have an excellent 10Watts output. You can watch movies that are in your USB drive (MP3, 3GP, MPGEAV, VLC Files will be play) as this TV has a USB port also. Discover an inspiring experience as this LED TV has everything.

Details

Brand & Model

Brand	Samsung
Model	32EH6030
Type	LED

LED TV Display

Screen Size:	81.28cm (32)
Resolution:	1920 x 1080

LED Design

Design	Narrow Bezel
Stand	Square
Bezel	D3

Video

Wide Color Enhancer	Yes
Digital Noise Filter	Yes
Clear Motion Rate	200Hz

Audio

Dolby	Dolby Digital Plus/Dolby Pulse
SRS	SRS Theatre Sound HD
dts 2.0+Digital Out	Yes
Sound Output(RMS)	10 watts x 2
Speaker Type	Down Firing + Full Range
Auto Volume Leveler	Yes

Connectivity System

HDMI	2
USB	1
Headphone	1
Component In	1
Composite In AV	1
RF In Terrestrial/Cable Input	1
Ethernet LAN	1

Power Management

Power Supply	AC 100 - 240V 50/60Hz
Eco Sensor	Yes
Auto Power Off	Yes
Clock & On/Off Timer	Yes
Power Consumption Stand-by	Under 0.5 watts
Sleep Timer	Yes
Typical Power Consumption	50 watts

Dimension & Weight

Dimension (With Stand) :	739.4 x 498.6 x 191.6mm
Weight (With Stand):	6.3Kg

General Feature

ConnectShare™ (USB 2.0):	Movie
Wirelss LAN Adapter Ready/Game mode/Triple Protector:	Yes
OSD language :	Local Languages
Allshare (Powerd by DLNA)/3D/3D Converter :	Yes
DTV Tuner:	Ready
Warranty	1 year Manufacturer

32 inch Display

True 3D experience in a whole new light

Discover a new reality in Full HD

Watch movies from USB

Samsung's Clear Motion Rate

Few Days Ago in Dewali Offer I am purchased the above said LED 32” and It is very nice and easy to operate. If you are decided to purchase one LED 32”, my suggestion is go with Samsung LED 32”. For more details contact your nearest Samsung Showroom.

ABOUT NEKSRTC

2012-11-29T21:46:00.001-08:00

PROFILE OF ROAD TRANSPORT IN KARNATAKA STATE

The post independence, India passed a great challenge before the administrators and policy makers of land as most of the basic amenities as electricity, transportation education, commerce, banking, insurance, communication and mass-media etc., were still either under developed or in the rudimentary stage at the most one such amenity which was of tremendous import during those days was that of the provision of better road, transportation to the masses leaving aside the rail water and air transportation which lie outside the financial purview of a commoner.

The panaca for all the problems came with re-organisation of the state at linguistic basis. The state re-organisation commission was appointed and this body submitted its report on September 1955, which recommended, among other thing unification to the Kannada-speaking areas under one administration .

After considering the report, the government of India introduced a bill in parliament for the organization of the states re-organisation Act 1956, among other things provided for the formation of a new Mysore state declare that, from the appointment day that is November 1^ST, 1956,there shall be formed a new part ‘A’ state to be known as the state of Mysore comprising the following territories.

The territories of Existing state of Mysore i.e old Mysore.

Belgum District except Chandgad Taluka and Bijapur, Dharwar and Kannada districts in the existicts in the existing state of Bombay.

Gulbarga District expect Chandgad and Tandur Taluks, Raichur District except Alampur and Gadwal Talukas and Bidar District except Ahmadpur, Nilanga and Udgir Taluks and portion specified in clause (d) of the sub section (1) of section 3 is existing state of Hyderabad.

South Kannada District except Kasargod Taluka and Amindio, Island and Kollegal Taluka of coimbatore District, in the existing state of Madras.

The territories of old State of Coorg and there upon the said territories shall case to form part of the said existing state of Mysore, Bombay, Hydrabad Madras and Coorg respectively.

On more District, ballay which was a part of the Madras, state was re-organised in to the Mysore state on 1^ST November, 1959. the Mysore state was renamed as ‘Karnataka’ on 1^ST November 1973.

Before the extablishment of KSTC,the road transport service in the erstwhile Mysore Government Road Transport Department (MGRTD) setup in 1948. Similarty Bombay State Road Transport Corportion (BSRTC) was catering to the transport needs of the Bombay Karnataka region, like, Nizam State Road Transport department(NSRTD) .

Later on as Hyderbad State Road Transport department(HSRTD) from Semptember 18, 1948, i,s rebirth of Hyderabad until 1^st November, 1956, was catering to the traffic needs of the Hyderbad –karnataka Region. In Bngalore, the Transport company(BTC) was meeting the transport needs of the city, which was set up in 1997. the Karnataka state Road Transport Corportation(KSRTC) was set up under the Road Transport Corportion Act 1950, in the year 1961 to1972 buses and is wholly owned by the Government of Karnataka Government of India also a Share holder in this corporation.

In August 1977 KSRTC was divided and a new corporation called Bangalore Metroplitian Transportation (BMTC) was established to cater need of traveling facilities of Bangalore city.

In August 1997 another new Road Transport Corporation called North Western Karnataka Road Transport Corportion (NWKRTC) to cater to the traffic needs of North-Western Past of Karnataka was carved out of KSRTC with its corporate office at Hublil. Recently one more corporation North Eastern Karnataka Road Transport office at Gulbarga to meet the passenger needs of the North Eastern part of Karnataka .

Profile of NEKRTC:

NEKRTC is separated from KSRTC to provide good transport facilities to the traveling public, corporation was formed on 15ST August’ 2000 .Its juridiction comprises of 5 districts i,e Bidar, Gulbarga, Raichur, Koppal and Ballary and 6 division like Bidar, Gulbarga, Raichur, Koppal , Ballary and Yadgir. The NEKRTC has been established for providing efficient effective traveling facility to the commuters of North Eastern Part of Karnataka state. NEKRTC is a individual corporation and administration and financial operating independently.

Jurisdiction:

NEKRTC which covers five district such as Gulbarga, Bidar, Raichur, Koppal, Bellary and which covers 31 Talukas and Villages covers : 4203.

Transport facility provided :3859

Transport facility not provided :344

This corporation was bifurcated into mainly four corporation.

1. K.S.R.T.C :Karnataka state Road Transport

Corporation 1961

2. B.M.T.C :Banglore Metropolitan Transport 1997

3. N.W.K.R.TC :North western Karnataka road transport

Corporation 1997

4. N.E.K.R.T.C :North Eastern Karnataka Road Transport

Corporation 15^TH August, 2000

The Government of Karnataka under order No. HTC 65 TRA 99(1) Dated 15^TH , August, 2000 established a new Road Transport Corporation under section 3 of TTC Act of 1950 called North Eastern Karnataka Road Transport Corporation. It is financially independent from 1^st October , 2000. Thereafter it is functioning independently at Gulbarga head quarter.

There is Supreme body to take policy decision calling it as Board of Director. There are 1200 employees are working in this corporation and nearly 100 officers are working at central office. Gulbarga. The main aim of this corporation is to provide efficient economical and safe transport facilities to the traveling public, everyday this corporation providing transport facilities to eight lakh traveling passengers about 2300 buses are held by this corporation.

Number of passes issued during the year 2006-07 &2007-08:

Sl No	Particulars	2006-07	2007-08 (up to Oct-07)
1	Students	122140	104174
2	Blinds	1242	1995
3	Physically Handicapped	9427	15500
4	Freedom fighters	700	685
5	Total	133509	122354

Number of recruitment made so far:

1	Drivers	548
2	Driver-cum-conducter	1384
3	Conductor	1173
4	Mechanical	98
5	Others	84
		3287

Progress of the Corporation

[ Source:feild survey]

SI No	Particulars	At the time of formation 01-10-2000	As on 10-11-2007
1	Divisions	6	6
2	Depots	26	32
3	Schedules	1831	2500
4	Vehicles a) Own b) Hired c) Total	2027 0 2027	2328 379 2707
5	Kms operated/Day(in Lakhs)	5.76	8.30
6	K.M.P.L	4.87	5.43
7	Staff a) Central offices b) Subordinate offices c) Total	13 9992 10005	112 11812 11924
8	Traffic Revenue/Day (Rs. In Lakhs)	61.40	120.00
9	Bus Stands Permanent Temporary	74 6	87 11
10	Rural wayside shelters	82	775
11	Passengers carried/Day (in Lakhs)	7.88	9.50
12	Rate of B/D per 10000 Kms	0.23	0.12

Action taken to improve operation :

i) Introduction of on-line reservation of bus-ticket trough AWATAR,i.e public can book a ticket from Any Where Any Time Advance Reservation. This is the first system in the country.

ii) Introduction of computerization.

iii) Implementation of 100% usage of Electronic Ticketing Machines

iv) Bio-metric finger print based attendance is installed at Gulbarga –I, Koppal Depot on trail basis.

v) Implementing of 5 initiatives for effective transport management. These are a

a) Infrastructure Development b) Road safety

c) Automobile pollution control d) Public Relation e)Innovative Technology.

vi) Much attention has been given for Road Safety, Environment Protection and a Forestation.

vii) Action has been taken to enter into interstate agreements to connect important cities and towns in Maharashtra, Andra pradesh , Tamilnadu and Goa states.

Action Plan for the year 2007-08:

· Augmentation of 400 new schedules.

· Addition of 1329 new vehicles.

· Effective kms to Operated will be 35.60 crores.

The Corporation has received following awards for meritorious services:

i) The Corporation has been adjusted as Best Road Transport Corporation in the Moffusil Area for lowest Accidental Record during the period 1999-2000 by the ASRTU and won the Transport Minster Trophy and cash prize of Rs.1.50 lakhs.

ii) The PCRA has awarded the Corporation for its efforts to promote diesel oil conservation. During the 2003-04the corporation has achieved KMPL of 5.38, which is highest amongst all STUs and won the award.

iii) Similarly the ASTU has recognized the efforts of the Corporation to promote diesel oil and awarded for achieving highest KMPL of 5.38 during the year 2003-04.

iv) The PCRA has awarded the Corporation for achieving highest KMPL of 5.44 during the year 2005-06. the Corporation won the first prize.

v) The PCRA has awarded the corporation for achieving highest KMPL of 5.44 during the year 200-06. The Corporation won the first prize

vi) Similarly the ASRTU has recognized the efforts of the Corporation to promote diesel oil and awarded for achieving highest KMPL of 5.44 during the year 2005-06.

FORMATION OF BOARD OF DIRECTIORS:

In N.E.K.R.T.C. the Board of Director is consisting of the following members.

1. Chairman

2. Vice-Chairman

3. Managing Director of NEKRTC

4. Managing Director of BMTC.

5. Managing Director NWKRTC.

6. Directors security vigilance KSRTC.

7. Director.

8. Finance secretary of Govt. of Karnataka.

9. Transport Secretary Govt. of Karnataka.

10. Deputy Inspector of General of Gulbarga.

11. Manager of Railway and

12. Two nominated directors.

This Board of Directors usually meets periodically quarterly in meetings are compulsory. The matters which are belonging to the financial and policy matters are corporation.

ADMINISTRATIVE SET-UP:

The NEKRTC.has its corporate/ central office at Gulbarga with 6 operating divisions at Gulbrga, Yadgir, Bidar, Raichur, Koppal and Bellary. The corporation operates its operation through 32 depots under their jurisdiction for operation of the buses. There is One Civil Engineering Division at Gulbarga and two Regional Training Institute established at Hagaribommanahalli and Humnabad.

The corporation has its operating units called depots which operates about 1916 schedules. These depots are situated generally in Taluka head quarters. At the district level the corporation has divisional officer. Normally division supervises 4-5 depots. A senior officer called divisional controller heads these division.

TALUKS COVERD UNDER EACH DIVISION

Sl. No.	Name of the Division	Taluks Covered
01	Gulbarga	Gulbarga Aland Afzalpur Jewargi Chincholi
02	Bellary	Bellary Sadnur Kudligi Hospet Sirguppa Hagari bammonhalli
03	Raichur	Raichur Manvi Deodurg Lingsugar Sindhanur
04	Bidar	Bidar Humanabad Basvakalyan Bhalki Aurad
05	Kopall	Koppal Yakburga Kustagi Gabgavatikal
06	Yadgir	Yadgir Shahapur Shorapur Sedam Chitapur Gumitkal

DIVISIONS AND THEIR RESPECTIVE DEPOTS

Sl. No.	Name of the Division	Talukas Coverd
01	Gulbarga	Gulbarga Depot-I Depot -II Depot- III Aland Chincholi Jewargi
02	Bellary	Bellary Depot-I Dopot-II Hospet Kudligi Hoovina Hadgali Sirguppa
03	Raichur	Raichur Depot-I Depot –II Ligasur Sidhanur Manvi
04	Bidar	Bidar Humanabad Basvakallyan Bhalki
05	Koppal	Koppal Yalburga Kustgi Gangavati
06	Yadgir	Yadgir Shahapur Chitapur Gurmitkal

ADMINISTRATIVE AND OPERATING STAFF

The division wise administrative and operating staff of the corporation is depicted below.

Sl.No.	Division	Administrative staff	Conductor	driver	Driver& Conductor	Machine	total
01	Gulbarga	251	627	657	16	399	2095
02	Bellary	321	747	703	395	487	2653
03	Raichur	271	537	586	220	346	1960
04	Bidar	275	621	604	164	320	1984
05	Koppal	147	280	313	205	191	1136
06	Yadgir	135	345	344	113	135	1072
07	Central Office	102	-	-	-	-	102
08	Civil Engg.	7	-	-	-	-	7
09	ITI (Humanabad)	12	-	-	-	-	12
	Total		3157	3207	1258	1878	11021

Division wise undemonstrative and operating staff NEKRTC

Source: Record of personnel Department NEKRTC central office Gulbarga. AS PER 2008-09

From the above table it is clear that there are as many as 11021 people involved in the today functioning of the corporation division wise. Bellary is the biggest division which has a staff of 2653 followed by Gulbarga 2095,Bidar1984, Raichur 1960, Yadgir 1072, and Koppal 1136 respectively. The central office Gulbarga has 102 employees, the Regional Training Institute, Humanabad has a staff of 12 people and that of civil Engg. Division has 7 administrative staff.

The total staff working in the operating divisions were 11021 to operate 1916 schedules at the end of the year 2003. the division staff ration per schedule on 31-03-2003 was 5078 including officers. The overall staff ratio per schedule for the corporations including the staff employed at central unit RTI was 5.83.

Training Scheme:

The corporation gives training to various categories of official in the stage training institute as well as in the outside institution. The training of employees of technical cadre depute to undergo specialized, training with the leading Automobile organization and also grant cash reward, and commendatory notes to the employees.

The Unit Heads are the disciplinary authorities for major punishments for all class III and IV staff. Depot manger and other divisional level officers have been empowered to impose minor penalties to class III &IV coming under their administrative control.

Management:

The amended RTC Act of 1982 provides for the management of the Corporation by Board of Directors. The NEKRTC consisted 14 directors in its board. The chairman and the Vice-chairman are non-official directors and others are official directors. The state Government has appointed all the directors. The board has both official and non-official members and a board secretary’s are organizer the board meetings sees that the policies decided in meeting are implemented by sending resolution copies to whom sever it may concern. The corporation is chaired by Mr.R.V.Devraj who also chairs the other 3 corporation of the state i.e KSRTC ,BMTC and NWKRTC. Next to him is the vice chairman who may be an official or non-official member of the board. The day-to-day administration of the corporation is shouldered by the M.D.

CLASSIFICATION OF POSTS:

The various categories of posts in the corporation are classified as follows:

Class I section Grade

Class II Senior

Class II

Class III

Class IV

Usually Class I selection Grade / Senior will be appointed as Head of the Department (also called as chief ), Class I Junior as unit Heads and other or minor Heads of the department( at the divisional level ) class II render service as assistants to the Heads / Chief.

All the matters and issues which fail under the functional purview of a particular section will be decided upon by the respective department whether at corporate, Divisional or Depot level. For example, recruitment and selection of staff is a function, which falls under the recruitment section of personnel department. Any post vacant either at the corporate office, Divisional office or Depot will be filled in by the personnel department in the specified manner. This applies to other department as well. For instance, all the civil construction works either at the corporate Divisional or Depot level fall within the functional orbit of the Civil Engineering Department.

TYPES OF SERVICES:

The various types of services offered by the NEKRTC to its passengers are as under.

Deluxe and Ultra Deluxe buses with Air suspension facility for its customers on long route and interstate routes.

Luxury and Deluxe services for interstate and long route schedule.

Ordinary buses operate in rural areas.

City buses in some of the head quarters.

Security and vigilance:

The security and vigilance department is providing physical security to the property of the corporation against theft, fire, pilferage, and misappropriation etc. by the employee’s and the outsiders. It is having control over the employees / Officers by way of conducting enquires on their omission and commissions and submitting reports to the respective disciplinary authorities.

RG TECH ENTERPRISES

2012-11-29T21:44:00.003-08:00

COMPANY PROFILE

INTRODUCTION:

RG TECH ENTERPRISES was established in the year 1999. The contract was founded by Mr.GANAPATHI NAYAK. Our dedicated effort to provide quality contract work to all the people has brought us to a highly successful co. The RG team is young, dynamic and believes in best practices where research and creativity dominates.

The combined experience of their professional teams, Know how to deliver on time, finish on time, on budget and still remain flexible for any challenges that may arise whether it is a single or a companywide roll out we offer a complete solution to meet every need.

RG TECH ENTERPRISE is a hi-tech, eco friendly, specialty polymers, Nanotechnology research based company with an eye on the future. Our product range includes Textiles, Construction, Roads, and Agriculture & Industrial polymers. They are global pioneers in advanced polymers & silane solutions for:

Nanotechnology Waterproofing of Concrete, Stones, Bricks & all siliceous substrates. Nanotechnology Waterproofing of Soil for Roads & Geotech applications.

Nanotechnology for Asphalt pavements in Hot, Cold & Warm mixes.

Print pigments like reactive.

PVC Free Water based inks.

Water dispersible polyester resins.

Anti Microbial Silanes (Methanol free).

Emulsified Fuel (F.O.). Efficiency improvement (8-10%)

It is a technology driven company with an eye on the future. In the new millennium, RG TECH ENTERPRISE embodies the spirit of working on the anticipated needs of tomorrow through a world class research program. RG TECH ENTERPRISE product range includes Textile chemicals, Construction chemicals, Road chemicals, Agricultural additives & Industrial products.

R.G. TECH ENTERPRISE plant, warehouses, deposes, offices, QC, & R&D are SAP driven is committed to minimizing its "Carbon footprint" with 90% of its electric power requirement met through wind energy. We are also in the process of converting our offices and laboratories into green facilities. Our emphasis on safety has resulted in continual reduction in releases, wastes, emissions & energy consumption. Our State-of-the-Art technology, efficient supply chain system, fully computerized plant & MIS help us in understanding & fulfilling our customers' needs & delivering unique products. R.G. TECH ENTERPRISE accords highest priority to maintaining quality standards.

A “first” to develop & practice many technologies, R.G. TECH ENTERPRISE has a proven history of setting the new benchmarks and raising the standard in the industry.

As a future commitment, R.G. TECH ENTERPRISE strives to continue along the path of Innovation & Excellence and envisions huge global opportunities.

PRODUCTS ARE:

ü Textile Chemicals

ü Construction Chemicals

ü Road construction

ü Agro Solutions

ü Industrial Chemicals

RECENT EVENTS:

ü NAPA’s 56th Annual Meeting (From 6 Feb to 9 Feb, 2011).

ü MAPA Annual Conference & Equipment Exhibit, From 10 Jan 2011 to 12 Jan 2011

ü Indian Road Congress Exhibition November 11-14, Nagpur, India.

ü I R C 69th Annual Session, Calcutta.

MISSION:

R.G. TECH Mission is to strive to give complete and satisfactory solutions that reflect our commitment to integrity, quality and style.

GOAL:

R.G. TECH ENTERPRISES Goal is to exceed the expectations by providing great customer service on time. On budget and with complete professionalism.

TURNKEY CONTACTS AND SERVICES:

R.G. TECH Take up works on turnkey basis, the detailed list of activities appended here below.

1. Concrete waterproofing by Crystallization Technology from positive/Negative side.

2. Nano technology waterproofing using Organo Silane, Eco – friendly, water soluble waterproofing agent.

3. Waterproofing Treatment in arresting leaking in roof terrace, chajjas, balconies, parapet walls, swimming pools. Underground sumps, overhead water tanks, overhead water tanks, sunken flooring in bathrooms, etc.

Stabilization of ailing structures due to distress by the method of high pressure Epoxy injection using low visitory, flexible Epoxy grouting system.

DISTIBUTORS AND APPLICATORS:

R.G. TECH ENTERPRISES Distributes for,

ü ZYDEX INDUSTRIES

ü ZYCOSIL NANO TECHNOLGIES

ü XYPEX

CANADA

AND

ü BOSTIK INDIA LTD,

Who is recognized as an international leader in the field of concrete waterproofing, protection, and repairing? RG TECH is based at BANGLORE they have an office space 7000 sq, ft.

OFFICES or branches :

ü MYSORE.

ü MANGLORE AND

ü ALL DEVELOPING STATES OF THE COUNTRY.

COMPETITORS in market :

ü M/S PERCEFT ENGINEERING PVT LTD.

ü M\S BUILDING PROTECTIVE SYSTEM.

ü M/S AQUATECH

ü M/S R.B.ENGINEERING

ü M/S ARMOUR

ü M/S KARNATAKA INDO WATERPROOFING CO.

RENT AGREEMENT

2012-11-29T21:44:00.000-08:00

RENT AGREEMENT

This Rent Agreement is made on this _____ day __________ between Shri/Shrimati/Kumari _________________________ resident of _____________________ (hereinafter called the Owner of one part) and Shri/Shrimati/Kumari __________________ son/daughter of __________________ resident of Land Lord (hereinafter called the Rent/Tenant of the other part).

The expression Owner and Tenant will mean and include their heirs, successors, executors, administrators and assigns.

Whereas the Owner is the owner and in possession of __________________________hereinafter referred to as the demised premises and is desirous of letting out the said House to the lessee and the lessee is ready and willing to take the same on rent from the Owner on the terms and conditions herein contained.

Now, therefore, it is mutually agreed between the parties as under:

1. That the Owner has given on rent to the Lessee ___________________________________.

3. That the rent agreement shall be valid for ____ Months and stand renewed automatically thereafter. After the _____month _______% rent hike automatically. Monthly Rent is _______/- as Deposit Amount is ___________/-.

4. That the Owner has handed over the actual and physical possession of the demised premises to the Tenant and the Tenant shall always enjoy the peaceful and uninterrupted possession of the demised premises.

5. That the landlord shall have objection if the tenant makes any additions or alterations in the existing house. All maintenance and repair charges would be borne by the tenant. The lessee is authorized/not authorized to sub-let the demised premises to any person of his/her choice.

6. That the Tenant shall be responsible and liable for the water/electricity charges and other dues in respect of the said flat during the tenancy period.

In witnesses where of the Owner and the Tenant have put in their respective signatures to this Agreement on the date and year first above written in the presence of the following witnesses:

Witnesses:

Owner

Tenant

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Sl

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Particulars

RG TECH ENTERPRISES

RENT AGREEMENT

Dual Pixel 12MP camera for low light performance. Some of our most precious memories happen after dark. And this is the first
smartphone camera to have a professional-grade Dual Pixel Sensor with which you'll now be able to take crisp, clear photos in the dark.