pnb bc registration

To register for PNB (Punjab National Bank) BC (Business Correspondent) services, you typically need to follow these steps:

  1. Visit the nearest PNB branch: Locate the nearest Punjab National Bank branch in your area.
  2. Contact the branch manager: Reach out to the branch manager or the designated official responsible for BC registrations. You can inquire about the specific requirements and documentation needed for registration.
  3. Fulfill the eligibility criteria: Ensure that you meet the eligibility criteria set by PNB for becoming a BC. These criteria may include factors such as educational qualifications, experience in the banking sector, and other relevant requirements.
  4. Gather necessary documents: Collect the required documents, which may vary depending on the location and specific guidelines of PNB. Typically, the documents needed for BC registration include:
    • Application form: Fill out the application form provided by PNB, providing accurate information.
    • Identity proof: Submit documents such as Aadhaar card, PAN card, voter ID, or passport as proof of identity.
    • Address proof: Provide documents like utility bills, rent agreement, or bank statements as proof of address.
    • Educational qualifications: Submit certificates or documents that verify your educational qualifications, such as degrees or diplomas.
    • Experience certificates: If applicable, provide experience certificates or letters from previous employers to showcase your experience in the banking or financial sector.
    • Other documents: PNB may request additional documents as per their requirements, so it’s advisable to check with the branch for a comprehensive list.
  5. Submit the application: After completing the necessary documents, submit your application form along with all the supporting documents to the branch manager or the designated official.
  6. Await verification and approval: The bank will review your application and conduct the necessary verification checks. This process may take some time, and the bank will notify you of the status of your application.
  7. Complete training: If your application is approved, PNB will provide training regarding the BC services, operations, and guidelines. Attend the training sessions and familiarize yourself with the necessary procedures.
  8. Setup infrastructure: Once you have completed the training, you will be required to set up the necessary infrastructure to deliver the BC services, such as a computer system, internet connectivity, and other required equipment.
  9. Commence BC operations: After the completion of training and infrastructure setup, you can start offering PNB BC services to the customers as per the guidelines provided by the bank.

Remember that the specific process may vary slightly based on the policies and requirements of Punjab National Bank. It is recommended to directly contact the bank or visit the nearest branch for detailed information on the registration process.

  • BC Services:

Bank BC (Business Correspondent) services refer to the provision of banking services by individuals or entities, who are not direct employees of a bank but act as intermediaries on behalf of the bank. BC services are aimed at extending banking facilities to remote and unbanked areas where it may not be feasible or cost-effective for the bank to establish a physical branch.

Bank BCs play a crucial role in promoting financial inclusion by bringing basic banking services to underserved areas. These services typically include:

  1. Account Opening: BCs assist individuals in opening bank accounts, including savings accounts, current accounts, and other types of accounts offered by the bank.
  2. Deposits and Withdrawals: BCs facilitate cash deposits and withdrawals for customers. This allows individuals to securely deposit money into their accounts and withdraw funds as needed.
  3. Money Transfer: BCs enable customers to transfer money within the country or even internationally, depending on the services provided by the bank. They may facilitate transfers through various channels such as NEFT, RTGS, IMPS, or UPI.
  4. Balance Inquiries: BCs provide customers with the ability to check their account balances and obtain mini-statements or account statements. This allows individuals to stay updated on their financial transactions.
  5. Payment Services: BCs often offer bill payment services, allowing customers to pay utility bills, insurance premiums, loan installments, and other recurring payments through their bank accounts.
  6. Government Schemes: BCs assist in facilitating government subsidy payments, pension disbursements, and other financial benefits provided by the government. They ensure that eligible individuals receive their entitled benefits efficiently.
  7. Financial Products: Some BCs may also offer basic financial products such as fixed deposits, recurring deposits, and insurance policies on behalf of the bank.
  8. Financial Literacy and Education: BCs play a crucial role in promoting financial literacy and education among customers. They provide guidance on financial planning, savings, and other banking-related topics.

Bank BCs act as representatives of the bank, extending its reach and services to areas where physical branches are not feasible. They are authorized by the bank and undergo training and certification to ensure compliance with banking regulations and customer service standards.

It’s important to note that the specific services offered by BCs may vary based on the bank and the regulations of the country in which they operate. The scope of BC services can expand or evolve over time, depending on the needs of the target population and the advancements in technology.

  • What is PMJDY?

PMJDY stands for Pradhan Mantri Jan Dhan Yojana, which is a financial inclusion program launched by the Government of India in 2014. The primary objective of PMJDY is to ensure access to financial services, such as banking facilities, savings accounts, remittance services, insurance, and pension, to the unbanked and underbanked sections of society.

Here are the key features and components of PMJDY:

  1. Opening of Bank Accounts: PMJDY aims to provide every household in India with access to a bank account. The program facilitates the opening of zero-balance savings accounts, making it easier for individuals to access basic banking services.
  2. RuPay Debit Card: Every PMJDY account holder receives a RuPay debit card, which can be used for cash withdrawals, purchases, and online transactions.
  3. Financial Literacy: PMJDY includes a financial literacy component to educate account holders about various banking products, services, and benefits. This aims to empower individuals with knowledge about savings, insurance, and other financial matters.
  4. Direct Benefit Transfer (DBT): PMJDY promotes the use of bank accounts for direct benefit transfers, ensuring that government subsidies, pensions, and other financial benefits reach the intended beneficiaries directly.
  5. Overdraft Facility: After satisfactory operation of the account for a certain period, account holders can avail of the overdraft facility, which provides them with a small credit limit for emergency expenses.
  6. Insurance Coverage: PMJDY offers life insurance coverage to account holders, providing them with financial security in case of the account holder’s unfortunate demise.
  7. Pension Schemes: PMJDY facilitates the enrollment of account holders in various pension schemes offered by the government.
  8. Mobile Banking: PMJDY encourages the use of mobile banking services, enabling account holders to access their accounts, transfer funds, and make payments using mobile devices.

The PMJDY program has made significant progress in expanding financial inclusion in India. It has helped millions of people open bank accounts, access banking services, and become a part of the formal financial system. PMJDY has also played a crucial role in facilitating the government’s efforts in implementing direct benefit transfer programs, reducing leakages, and ensuring efficient delivery of subsidies and benefits to the intended beneficiaries.

CHECK LIST FOR BUSINESS CORRESPONDENTS

DO’S

  1. The BC should identify customers with strict adherence to KYC norms.
  2. BC should encompass clients irrespective of class, creed and religion and its
    activities should be available to all eligible citizens of India.
  3. Should maintain customer confidentiality.
  4. Should posses knowledge of local area & language.
  5. The BC should enter into an MOU/ Agreement with the bank and all the terms and
    conditions of – the Agreement should be strictly complied with.
  6. BC should be able to isolate and clearly identify the Bank’s customer information,
    documents, records and assets to protect the confidentiality of the information.
  7. System generated on-line receipt shall be issued to the customer invariably for
    all transactions carried out by him/ her on behalf of the Bank.

DON’Ts

  1. The BC should not collect any service charges directly or indirectly from the
    customers.
  2. The BC is not vested with any powers for sanction of any loan.
  3. There should not be any exploitation of ill informed poor people.
  4. Should not give any scope for customer complaints and grievances affecting the
    image of the bank.
  5. Should not be affiliated to any political/ religious organizations.
  6. There should not be any criminal record/adverse reports.
  7. Should not use any sub contracts unless and otherwise stipulated in the agreement.
  8. Should not resort to intimidation or harassment of any kind either physical or verbal
    against any person in their debt collection efforts.

INTER-OPERABILITY AT BANK MITR

Inter-operable transaction (Customer of a particular bank can transact from outlet of
other Bank) across the Banks is already being taking place for some time through
Branches & ATMs.

  1. Pradhan Mantri Jan-Dhan Yojana (PMJDY) was launched in August, 2014,
    which stipulated for providing banking services, fixed Business Correspondents
    (Bank Mitr)should be set up in those SSAs where opening of branch is not viable.
  2. Further, Bank Mitr would inter-alia ensure Interoperability which is one of
    the critical component for success of Pradhan Mantri Jan-Dhan Yojana. Presently
    inter-operable transaction from Bank Mitr location can be carried out through two
    products namely:-
    (i) Aadhaar Enabled Payment System ( AEPS) &
    (ii) RuPay / Debit Cards.

INFRASTRUCTURE AT BC LOCATIONS

(1) DISPLAYING OF SIGN BOARDS
The SSAs must have the following signage to depict the working on behalf of Punjab
National Bank.
(i). Sign Board as per standard specification
(ii). List of products and services
(iii). DO’s and DON’Ts at SSAs
(iv). Service charges

(2) HARDWARE:
(i) BCA /VLE will be required to own a PC / laptop at the BC/CSC location.
(ii) Finger Print Scanner: The Finger Print scanner must be STQC certified.
(iii) Web Cam: – Minimum resolution of the webcam must be 640 X 480 pixels and
the recommended resolution be 1.3 Megapixels.
(iv) Printer: – As per the availability (any).
(v) All hardware to be used by the BCA / VLE must conform to the hardware
specifications prescribed by the Bank.
(3) SOFTWARE
(i) The software to be deployed at the BC location shall be Bank’s software.
(ii) The device to be used by the BCA would be configured to work as per the Bank’s
on-line system to ensure uniformity of application throughout the Bank.
(4) All BC Agents should be in proper uniform and wear Photo Identity Card.
(5) MICRO ATM
Every Bank Mitr to have a Micro ATM standard 1.5.1 for undertaking both inter
and intra-operable transactions.

How to book tatkal ticket online very fast

  • Register as individual user on irctc.co.in.
  • Mobile number and email id is mandatory for registration
  • Login by entering your user name and password on home page of irctc.co.in
  • Click on “Plan My Journey” page.
  • If the From/To station selected by you are correct in the route of the train then select Date of Journey.
  • Select Ticket Type as e-ticket.
  • Then Click on Submit button.
  • The Advance Reservation Period (ARP) of Tatkal scheme is reduced from two days to one day excluding the day of journey from the train originating station. For example, if train is to depart from the originating station on the second of the month, the Tatkal quota booking for that particular train will open at 10:00 hrs for AC class (1A/2A/3A/CC/EC/3E)and at 11:00 hrs for Non- AC class(SL/FC/2S) class on the first of the month from originating station.
  • The “Train List” page appears
  • Select Quota as TATKAL by click on radio button
  • Find the Train and click on the class in the train list then it will show the details with availability.
  • To book tickets, click on “Book Now” link under availability option.
  • If you wish to select other train, click on another train class link.
  • Maximum of four passengers per PNR can be booked on Tatkal e-tickets.
  • The Ticket Reservation page appears; check whether the train name and station names, Date of journey, Class, Quota, Boarding Point etc. displayed on the top of the page are same as desired by you.
  • Enter the name of passengers, age, sex and berth preference for each passenger. The maximum length of names should be restricted to 15 characters.
  • Senior citizen concession is not allowed in Tatkal Quota.
  • Click on ‘’Consider for Auto Upgradation” for automatic class upgradation after charting.
  • Enter the verification code
  • Enter the Passenger mobile number to receive the booking and cancellation free sms .
  • Click on Next button.
  • The “Payment” page appears
  • Please choose one of the mode of payment. Please click on the payment option
  • Make payment and get your e-ticket.
  • After successful payment and booking of accommodations, the User is shown the ticket confirmation details along with a “Print ERS” Button.
  • On clicking the button ERS is shown with an option to print.

Booking Tatkal tickets online can be a competitive process, as the availability is limited and the demand is high. However, here are some tips that might help you book Tatkal tickets online quickly:

  1. Be Prepared in Advance: Familiarize yourself with the Tatkal ticket booking process and the specific timings for Tatkal bookings on the Indian Railways website (www.irctc.co.in). Ensure that you have an active account on the website and your login credentials ready.
  2. Login Beforehand: Login to the IRCTC website a few minutes before the Tatkal ticket booking window opens. This will save you time and ensure that you are ready to start the booking process as soon as the window opens.
  3. Use Multiple Devices or Browsers: Open multiple browser tabs or use different devices (laptop, smartphone, etc.) to simultaneously access the IRCTC website. This can increase your chances of getting a booking slot and improve your overall speed.
  4. Save Passenger Details: To save time during the booking process, save the passenger details (name, age, gender, etc.) in your IRCTC profile beforehand. This way, you can quickly select the passenger details without having to enter them manually each time.
  5. Keep Payment Options Ready: Make sure you have a fast and reliable internet connection, and keep your payment options (credit card, debit card, net banking details, etc.) readily available. Any delays in payment can cause you to lose the booking.
  6. Choose Trains with More Availability: Some trains have a higher Tatkal quota, increasing your chances of getting a Tatkal ticket. Look for trains that typically have better availability and lower demand for Tatkal bookings.
  7. Use Autofill Tools: There are browser extensions or software tools available that can help autofill the necessary details during the booking process, such as passenger information, journey details, and payment information. These tools can save time and minimize manual entry errors.
  8. Be Quick and Accurate: During the booking process, enter all the required details accurately and swiftly. Any delays or errors can result in losing your booking slot.

Remember, the Tatkal ticket booking process can be unpredictable, and availability is limited. It’s important to be patient and persistent while trying to book Tatkal tickets. These tips can help improve your chances, but success is not guaranteed.

IndusInd Bank CSP Registration 2023

To register as a Bank CSP (Customer Service Point) agent, you would typically need to follow these steps:

  1. Research and Choose a Bank: Determine which bank(s) you would like to work with as a CSP agent. Consider factors such as the bank’s reputation, services offered, and agent commission structure.
  2. Contact the Bank: Reach out to the bank’s authorized representative or visit their official website to inquire about becoming a CSP agent. Banks usually have dedicated departments or personnel responsible for CSP agent registrations.
  3. Fulfill Eligibility Criteria: Confirm the eligibility requirements set by the bank. These may include factors such as age, educational qualifications, background checks, and financial soundness. Make sure you meet the necessary criteria before proceeding.
  4. Gather Required Documents: Prepare the necessary documents for the CSP registration process. These may include:
    • Identity proof (e.g., Aadhaar card, PAN card, or passport)
    • Address proof (e.g., utility bill, bank statement, or rent agreement)
    • Passport-size photographs
    • Educational certificates
    • Proof of experience in banking, if applicable
  5. Complete Application Form: Fill out the bank’s CSP registration application form. Provide accurate and complete information, ensuring that all fields are properly filled.
  6. Submit Documents: Attach the required documents along with the application form. Make sure to provide both original and photocopies, as required by the bank.
  7. Background Verification: Banks usually conduct a background check on the CSP agent applicants. This process may involve verifying your identity, conducting criminal record checks, and assessing your financial stability.
  8. Training and Certification: Upon successful completion of the background verification, the bank may provide training to the CSP agent. This training may include an understanding of banking services, procedures, and customer service skills. Some banks may also require you to pass certification exams.
  9. Agreement and Commission Structure: Once you have met all the requirements and completed the necessary training, the bank may provide you with a CSP agreement. Review the terms and conditions carefully before signing. The agreement will outline the commission structure, service charges, responsibilities, and other relevant details.

It’s important to note that the specific registration process and requirements can vary from bank to bank. It’s recommended to directly contact the bank you’re interested in working with to obtain accurate and up-to-date information on their CSP registration process.

IndusInd Bank is a private sector bank in India. While I don’t have access to real-time information or the ability to provide specific details on current programs, I can give you a general overview of CSP (Customer Service Point) services that banks like IndusInd Bank typically offer. However, please note that the specific services and requirements may vary, so it’s always best to contact IndusInd Bank directly for the most accurate and up-to-date information on their CSP program.

IndusInd Bank’s CSP program, known as “IndusInd Kiosk Banking,” enables individuals or entities to become authorized agents and offer select banking services to customers in underserved or rural areas. Some of the potential services that IndusInd CSP agents may offer include:

  1. Account Opening: IndusInd CSP agents can assist customers in opening various types of bank accounts, such as savings accounts or current accounts, by helping with the necessary paperwork and collecting required documents.
  2. Cash Deposit and Withdrawal: CSP agents can accept cash deposits from customers and credit the amount to their IndusInd Bank accounts. They can also facilitate cash withdrawals for customers by debiting the requested amount from their accounts and providing the cash.
  3. Fund Transfers: CSP agents may be able to help customers transfer funds within IndusInd Bank or to accounts held in other banks. They assist customers in initiating transactions and ensure the funds are transferred securely.
  4. Balance Inquiry and Account Statements: IndusInd CSP agents may provide services for customers to check their account balances and obtain mini-statements or account statements reflecting their transaction history.
  5. Aadhaar Enabled Payment System (AEPS): IndusInd CSP agents may offer Aadhaar-enabled payment services, allowing customers to make transactions using their Aadhaar number and biometric authentication. This can include services like balance inquiry, cash withdrawal, and funds transfer.
  6. Government Benefit Disbursements: IndusInd Bank CSP agents may participate in the distribution of government benefits, such as pensions, scholarships, or subsidies, by facilitating payments to eligible beneficiaries.

It’s important to note that the specific services offered through IndusInd Bank’s CSP program may be subject to change and depend on the terms and conditions set by the bank. If you are interested in becoming an IndusInd Bank CSP agent or want more information about their CSP program, I recommend contacting IndusInd Bank directly or visiting their official website for the most accurate and up-to-date information.

Bank CSP (Customer Service Point) agents typically offer a range of banking services to customers on behalf of the bank they are associated with. While the specific services offered may vary depending on the bank and its policies, here are some common services that CSP agents often provide:

  1. Account Opening: CSP agents can assist customers in opening various types of bank accounts, such as savings accounts, current accounts, and fixed deposit accounts. They help customers fill out the necessary forms, collect required documents, and facilitate the account opening process.
  2. Cash Deposit and Withdrawal: CSP agents enable customers to deposit and withdraw cash from their bank accounts. They accept cash deposits and credit the amount to the customer’s account. Similarly, they facilitate cash withdrawals by debiting the requested amount from the customer’s account and providing the cash.
  3. Fund Transfers: CSP agents can facilitate fund transfers within the same bank or to other banks. They assist customers in initiating transactions, whether it’s transferring money between their own accounts or making payments to other individuals or businesses.
  4. Balance Inquiry and Account Statements: CSP agents can provide customers with balance inquiries, allowing them to check the available balance in their accounts. They may also generate and provide account statements to customers, reflecting the transaction history and account details.
  5. Fixed Deposits and Recurring Deposits: CSP agents can help customers open fixed deposit (FD) and recurring deposit (RD) accounts. They explain the features, interest rates, and tenure options available, and assist customers in setting up and managing these deposits.
  6. Loan Applications: In some cases, CSP agents may assist customers in filling out loan application forms and collecting necessary documents for various types of loans, such as personal loans, home loans, or business loans. However, loan approval and decision-making processes are typically handled by the bank’s authorized personnel.
  7. Utility Bill Payments: CSP agents can accept payments for utility bills, such as electricity bills, water bills, or mobile phone bills, on behalf of the bank. Customers can conveniently pay their bills in cash at the CSP agent’s location, and the agent processes the payment and updates the bill status.

It’s important to note that the services offered by CSP agents may differ based on the specific arrangements between the bank and the agent. The bank sets the scope of services and commissions provided to the CSP agent, so it’s advisable to check with the specific bank regarding the range of services they allow their CSP agents to offer.

Income tax slab for ay 2023-24

Income tax is a type of tax imposed by the government on the income earned by individuals, businesses, and other entities. It is one of the primary sources of revenue for governments to fund public services and programs. Here are some key points about income tax:

  1. Taxable Income: Income tax is typically calculated based on the taxable income of an individual or entity. Taxable income is the total income earned minus certain deductions, exemptions, and adjustments allowed by the tax laws.
  2. Personal Income Tax: Personal income tax is levied on the income earned by individuals, including wages, salaries, tips, self-employment income, rental income, investment income, and other forms of earnings. The tax rates and brackets for personal income tax vary depending on the jurisdiction and the individual’s income level.
  3. Corporate Income Tax: Corporate income tax applies to the profits earned by corporations or other business entities. The tax rates for corporate income tax also vary depending on the jurisdiction and the size of the business. In some cases, businesses may be subject to both federal and state-level corporate income taxes.
  4. Filing and Payment: Taxpayers are required to file an income tax return with the appropriate tax authorities, such as the Internal Revenue Service (IRS) in the United States, reporting their income, deductions, and credits. The tax return calculates the tax liability, and taxpayers may be required to make regular estimated tax payments throughout the year or settle any remaining tax due by a specified deadline.
  5. Tax Deductions and Credits: Tax laws often allow various deductions and credits that reduce the taxable income and, in turn, the amount of income tax owed. These can include deductions for expenses such as mortgage interest, medical expenses, educational expenses, and contributions to retirement accounts. Tax credits directly reduce the tax liability and can be based on factors like having dependents, education expenses, or energy-efficient investments.
  6. Tax Withholding: Many employees have income tax withheld from their paychecks by their employers. This system of tax withholding helps individuals meet their tax obligations throughout the year and avoid a large tax bill at the end of the year.

It’s important to note that income tax laws and regulations vary by country, state, and even local jurisdiction. The specific rules and rates can change over time, so it’s advisable to consult the tax authority or a tax professional for the most accurate and up-to-date information regarding income tax in a particular jurisdiction.

As an AI language model, I don’t have real-time information or the ability to provide future tax data beyond my September 2021 knowledge cutoff. Therefore, I cannot provide the income tax slab for the assessment year 2023-24.

Income tax slabs and rates are subject to change by the government, and new tax laws are typically announced closer to the assessment year. To obtain the most accurate and up-to-date information on income tax slabs for a specific assessment year, I recommend referring to the official website of your country’s tax authority or consulting with a tax professional who can provide you with the latest tax brackets and rates applicable to your jurisdiction.

Income Tax Slab for FY 2023-24 (AY 2024-25)

The following tables show the Revised Income Tax Slabs, not the old tax regime. These new tax slabs in India were presented in the Budget 2023. The table for the new tax regime slabs-

Tax SlabRates
Up to Rs. 3,00,000NIL
Rs. 300,000 to Rs. 6,00,0005% on income which exceeds Rs 3,00,000
Rs. 6,00,000 to Rs. 900,000Rs 15,000 + 10% on income more than Rs 6,00,000
Rs. 9,00,000 to Rs. 12,00,000Rs 45,000 + 15% on income more than Rs 9,00,000
Rs. 12,00,000 to Rs. 1500,000Rs 90,000 + 20% on income more than Rs 12,00,000
Above Rs. 15,00,000Rs 150,000 + 30% on income more than Rs 15,00,000

Income Tax Slab for People Between 60 to 80 Years

Tax SlabsRates
Rs. 3 lakhsNIL
Rs. 3 lakhs – Rs. 5 lakhs5.00%
Rs. 5 lakhs – Rs. 10 lakhs20.00%
Rs. 10 lakhs and more30.00%

Income Tax Slab for People More than 80 Years

Below-mentioned is the Senior citizen tax slab in detail-

Tax SlabsRates
Rs. 0 – Rs. 5 lakhsNIL
Rs. 5 lakhs – Rs. 10 lakhs20.00%
Above Rs. 10 lakhs30.00%

Tax Slabs for Domestic Companies

ParticularsExisting or Old regime Tax RatesNew Regime Tax Rates
Company opts for section 115BAB (not covered in section 115BA and 115BAA) & is registered on/after October 1, 2019 and has started manufacturing on/before 31st March 2023–15%
Company opts for Section 115BAA , where the total income of a company has been calculated without claiming specified deductions, exemptions, incentives, and additional depreciation–22%
Company opts for section 115BA registered on/after March 1, 2016, and is in the manufacture of any article or thing and does not claim a deduction as specified in the section–25%
Turnover/gross receipt of the company is less than Rs. 400 crores in the previous year25%25%
Other Domestic Company30%30%
  • Surcharge applicable for companies-
    • 7% of Income tax where total income is more than Rs 1 crore
    • 12% of Income tax where total income is more than Rs.10 crores
    • 10% of income tax where domestic company opted section 115BAA and 115BAB
  • Additional Health & Education Cess Rate – 4%

Income Tax Rate for Partnership Firm or LLP as Per Old/New Regime

Partnership firm or an LLP is taxable at 30%

Note –

  • A Surcharge of 12% is levied on incomes above Rs 1 crore.
  • Health and Education Cess Rate – 4 %

Income Tax Slab Rate for New Tax Regime

The HUF and Individual tax slab applicable are-

SlabNew Tax Regime(Before Budget 2023 – until 31 March 2023)New Tax Regime(After Budget 2023 – From 01 April 2023)
Rs. 0 to Rs. 2,50,000NILNIL
Rs. 2,50,000 to Rs. 3,00,0005%NIL
Rs. 3,00,000 to Rs. 5,00,0005%5%
Rs. 5,00,000 to Rs. 6,00,00010%5%
Rs. 6,00,000 to Rs. 7,50,00010%10%
Rs. 7,50,000 to Rs. 9,00,00015%10%
Rs. 9,00,000 to Rs. 10,00,00015%15%
Rs. 10,00,000 to Rs. 12,00,00020%15%
Rs. 12,00,000 to Rs. 12,50,00020%20%
Rs. 12,50,000 to Rs. 15,00,00025%20%
More than Rs. 15,00,00030%30%

US Tax Brackets

As of my knowledge cutoff in September 2021, the following are the federal income tax brackets for individuals in the United States. Please note that tax brackets may be subject to change, so it’s always a good idea to consult the latest information from the Internal Revenue Service (IRS) or a tax professional.

For tax year 2021:

  • 10%: Up to $9,950
  • 12%: $9,951 to $40,525
  • 22%: $40,526 to $86,375
  • 24%: $86,376 to $164,925
  • 32%: $164,926 to $209,425
  • 35%: $209,426 to $523,600
  • 37%: Over $523,600

These brackets apply to taxable income, which is calculated by subtracting deductions and exemptions from your total income. It’s important to note that there are various deductions, credits, and exemptions that can impact your actual tax liability. Additionally, state and local taxes may also apply.

Remember to consult the IRS or a tax professional for the most up-to-date and accurate information, as tax laws can change.

As of my knowledge cutoff in September 2021, I can provide you with the federal income tax brackets for tax years 2022 and 2023 based on the rates proposed under the Tax Cuts and Jobs Act. However, please note that tax laws can change, and it’s always advisable to consult the latest information from the Internal Revenue Service (IRS) or a tax professional for the most up-to-date tax brackets. Here are the proposed brackets:

For tax year 2022:

  • 10%: Up to $10,275
  • 12%: $10,276 to $42,525
  • 22%: $42,526 to $86,375
  • 24%: $86,376 to $164,925
  • 32%: $164,926 to $209,425
  • 35%: $209,426 to $523,600
  • 37%: Over $523,600

For tax year 2023:

  • 10%: Up to $10,525
  • 12%: $10,526 to $43,875
  • 22%: $43,876 to $89,825
  • 24%: $89,826 to $169,525
  • 32%: $169,526 to $215,425
  • 35%: $215,426 to $539,475
  • 37%: Over $539,475

These brackets apply to taxable income, which is calculated by subtracting deductions and exemptions from your total income. Please remember that these rates are based on proposed changes and may be subject to modification. For the most accurate and up-to-date information, consult the IRS or a tax professional.

Federal tax brackets work by dividing taxable income into different income ranges and applying progressively higher tax rates as income increases. Here’s a general explanation of how federal tax brackets work:

  1. Taxable Income Calculation: Start by calculating your taxable income. This is typically your total income minus deductions, exemptions, and any other eligible adjustments.
  2. Tax Bracket Ranges: The IRS establishes different income ranges, known as tax brackets, each associated with a specific tax rate. The number of tax brackets can vary over time. As of 2021, there are seven tax brackets in the United States.
  3. Progressive Tax Rates: The tax rates within each tax bracket increase gradually as income rises. The lowest tax rate applies to the first bracket, and the highest tax rate applies to the highest bracket. For example, the lowest tax rate might be 10%, and the highest tax rate might be 37%.
  4. Marginal Tax Rate: The tax system in the United States follows a marginal tax rate structure. This means that the tax rate you pay applies only to the income within that specific tax bracket. Your overall tax liability is the sum of the taxes owed in each tax bracket.
  5. Example Calculation: Let’s say you’re a single taxpayer with a taxable income of $50,000. Based on the tax brackets, the first $9,950 would be taxed at 10%, the income between $9,951 and $40,525 would be taxed at 12%, and the remaining income from $40,526 to $50,000 would be taxed at 22%. You would calculate your tax liability by applying the respective tax rates to the income within each bracket.
  6. Tax Credits and Deductions: It’s important to consider that tax credits and deductions can reduce your taxable income and potentially move you into a lower tax bracket, thereby lowering your overall tax liability. These can include deductions for expenses like mortgage interest, student loan interest, and charitable contributions, as well as tax credits for specific circumstances, such as the Child Tax Credit or the Earned Income Tax Credit.

Remember that tax laws can change, and it’s crucial to consult the most recent tax guidelines from the IRS or seek advice from a tax professional to ensure accurate calculations and understand the specific rules and deductions that apply to your situation.

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In the context of banking, CSP typically stands for Customer Service Point. A Customer Service Point is an extension of a bank’s branch network that enables banking services to be provided in areas where a physical branch may not be present or accessible. CSPs are typically operated by authorized agents or business correspondents who act as intermediaries between the bank and customers.

Customer Service Points offer basic banking services such as account opening, cash deposits and withdrawals, fund transfers, balance inquiries, and other banking-related activities. These points can be located in small retail shops, post offices, or other convenient locations.

CSPs play a crucial role in financial inclusion by bringing banking services to remote or underserved areas, allowing individuals who may not have easy access to traditional bank branches to avail banking services. They help bridge the gap between formal financial institutions and individuals in remote or rural areas, promoting financial literacy and inclusion.

Bank of Baroda (BoB) CSP refers to the Customer Service Point (CSP) operated by Bank of Baroda, one of the leading public sector banks in India. BoB CSPs are authorized agents or business correspondents who act as intermediaries between the bank and customers, providing basic banking services on behalf of Bank of Baroda.

As a Bank of Baroda CSP, these agents or correspondents are authorized to offer services such as account opening, cash deposits and withdrawals, fund transfers, balance inquiries, loan application assistance, and other banking-related activities. They act as a touchpoint for customers who may not have easy access to traditional bank branches, especially in rural or remote areas.

Bank of Baroda CSPs play a significant role in extending banking services to unbanked or underserved regions, promoting financial inclusion and accessibility. These CSPs are equipped with technology infrastructure and training provided by Bank of Baroda to ensure secure and efficient service delivery.

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Mantra test https://test.aadhaardevice.com

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PAN Aadhaar Linking Check

Step 1:

PAN Aadhaar Linking Check

Instructions:

Link your Aadhaar with your PAN using any of the following options
1. Applicant can link Aadhaar with PAN using the link
Link Aadhaar (https://www.incometax.gov.in/iec/foportal/) through the E-filing website

Step 2:

Enter the following details

  • PAN Number
  • Aadhaar number
  • Click View Link Aadhaar Status

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How do I link PAN with Aadhaar?

1.Overview

Section 139AA of the Income Tax Act provides that every individual who has been allotted a Permanent Account Number (PAN) as on the 1st day of July, 2017, and who is eligible to obtain an Aadhaar number, shall intimate Aadhaar number in the prescribed form and manner. In other words, such persons have to mandatorily link their Aadhaar and PAN before the prescribed date (31.03.2022 without fee payment and 31.03.2023 with prescribed fee payment). For more details refer to CBDT Circular No.7/2022 dated 30.03.2022.

2. Prerequisites for availing this service:

  • Aadhaar PAN linkage is not done before 31/03/2022
  • Valid PAN
  • Aadhaar number
  • Valid mobile number

Step-by-Step Guide:

Step:1Payment of applicable fee either on e-Filing Portal using “e-Pay Tax” service or if bank account is not authorised for payment through e-Pay tax, then payment to be done through Protean (NSDL) Portal under major head (021) and minor head (500). 
Step:2Submit the Aadhaar PAN link request on e-Filling Portal, either immediately if payment is made through e-Pay Tax service or after 4-5 working days of making of payment if payment is done on Protean (NSDL).

 There are two main steps for Linking Aadhaar with PAN:

Step:1

Payment of applicable fee on e-filing Portal either using “e-pay Tax Service” or on Protean (NSDL) Portal under major head (021) and minor head (500).

Note: Use “e-Pay Tax service” for payment of fee if you have account in Banks which are Authorised for payment through “e-Pay Tax” otherwise use Protean (NSDL) Portal for payment of fee.

Banks authorized for e-Pay Tax:  Axis Bank, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, City Union Bank, Federal Bank, ICICI Bank, IDBI Bank, Indian Bank, Indian Overseas Bank, IndusInd Bank, Jammu & Kashmir Bank, Karur Vysya Bank, Kotak Mahindra Bank, Punjab National Bank, UCO Bank Union Bank of India. (as on 13.01.2023)

3. How to make payment of Aadhaar Pan link fee on e-Filing or Protean (NSDL) Portal

If you have an account in the Bank which is authorised for e-Pay Tax, please follow below steps:

Step:1(a)  Visit e-Filing Portal Home page and click on Link Aadhaar in Quick Links section. Alternatively, login to e-filing portal and Click on Link Aadhar in Profile Section.

Steps for Aadhaar PAN linkage in Pre-login are detail below:

Step:1(b) Enter your PAN and Aadhaar Number

Step:1(c) Click on Continue to Pay Through e-Pay Tax.

Step:1(d)Enter your PAN, Confirm PAN and any Mobile number to receive OTP

Step:1(e) Post OTP verification, you will be redirected to e-Pay Tax page.

Step:1(f) Click on Proceed on the Income Tax Tile.

Step:1(g) Select AY (2023-24) and Type of Payment as Other Receipts (500) and Continue.

Step:1(h) Applicable amount will be pre-filled against Others and click Continue.

Now, challan will be generated. On the next screen you have to select the mode of payment after selecting the mode of payment you will be re-directed to the Bank website where you can make the payment.

Alternatively, if you have an account in the Bank which is not Authorised for payment through “e-Pay Tax”, you can make payment through Protean (NSDL) Portal as per below steps:

If you do not have Bank account in these Banks:  Axis Bank, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, City Union Bank, Federal Bank, ICICI Bank, IDBI Bank, Indian Bank, Indian Overseas Bank, IndusInd Bank, Jammu & Kashmir Bank, Karur Vysya Bank, Kotak Mahindra Bank, Punjab National Bank, UCO Bank Union Bank of India. (as on 13.01.2023)

Step:1(a) Visit e-Filing Portal Home page and click on Link Aadhaar in Quick Links section.

Step:1(b) Enter your PAN and Aadhaar Number and click Continue.

Step:1(c) Click on Continue to Pay Through e-Pay Tax.

Step:1(d)Click on hyperlink given below on e-Pay tax page to redirect to Protean (NSDL) Portal

Step:1(e) You will be redirected to Protean (NSDL) Portal. Click Proceed under Challan No./ITNS 280

Step:1(f)Select Tax applicable as 0021 and Type of Payment as 500

Step:1(g)Provide Assessment Year as 2023-24 and other mandatory details and click on Proceed.

Post payment of fee you can link your Aadhaar with PAN on the e-Filing Portal.

Step 2: Submit the Aadhaar PAN link request on e-Filling Portal, either immediately if payment is made through e-Pay Tax service or after 4-5 working days of making of payment if payment is done on Protean (NSDL).

Aadhaar PAN link request can be made both in the Post login as well as Pre login mode.

The steps for each of the mode are detailed below one by one: 

Submit Aadhaar PAN link Request (Post login):

Step 2 (a): Go to e-filing Portal > login > On Dashboard, in Profile Section under the Link Aadhaar to PAN option, click Link Aadhaar.

Or alternatively, click on link Aadhaar in personal details section.

Step 2(b) Enter the Aadhaar and click on Validate.

Alternatively, you can submit Aadhaar PAN link Request (Pre-login):

Step 2 (a): Go to e-filing portal home page and click on Link Aadhaar under Quick links.

Step 2 (b): Enter the PAN and Aadhaar and click on Validate.

Step 2 (c): Enter the mandatory details as required and click on Link Aadhaar.

Step-2(d) Enter the 6-digit OTP received on mobile no. mentioned in the previous step and click on Validate.

Step:2(e) Request for link of Aadhaar has been submitted successfully, now you can check the Aadhaar-PAN link status

Scenario-1

If the payment details are not verified on the e-Filing Portal.

Step: (I) After validating PAN and Aadhaar, you will see a pop-up message that

” Payments details not found” click on Continue to Pay Through e-Pay Tax for the payment of fee as payment of fee is the pre-requisite to submit the Aadhaar PAN link request.

Note: If you have already paid the fee on Protean (NSDL) Portal than wait for 4-5 working days after that you can submit the request.

Note: Please ensure you link your correct Aadhaar with your PAN.

If Aadhaar and PAN are already linked or PAN linked to some other Aadhaar or vice versa, you will get following errors:

Scenario-2 PAN is already linked with the Aadhaar or with some other Aadhaar

You may need to contact your Jurisdictional Assessing Officer and submit a request for delinking your Aadhaar with incorrect PAN.

To know your AO’s contact details, visit https://eportal.incometax.gov.in/iec/foservices/#/pre-login/knowYourAO(Prelogin)

or

https://eportal.incometax.gov.in/iec/foservices/#/dashboard/myProfile/jurisdictionDetail (Post login)

After Validating PAN and Aadhaar:

If you have made payment of Challan on Protean (NSDL) Portal and payments details are verified at e-filing Portal.

Step-(i) After validating PAN and Aadhaar you will see a pop-up message that” Your payment details are verified”.  Please Click Continue on the pop-up message to submit Aadhaar PAN linking request.

Step-(ii) Enter the required details and click on Link Aadhaar button.

Step:(iii) Request for link of Aadhaar PAN has been submitted successfully, now you can check the Aadhaar PAN link status.

5. View Link Aadhaar Status (Pre-Login)

Step 1: On the e-Filing Portal homepage, under Quick Links click Link Aadhaar Status.

Step 2: Enter your PAN and Aadhaar Number, and click View Link Aadhaar Status.

On successful Validation, a message will be displayed regarding your Link Aadhaar Status.

If the Aadhaar-Pan link is in progress:

If the Aadhaar PAN linking is successful:

5.View Link Aadhaar Status (Post-Login)

Step 1a: On your Dashboard. Click Link Aadhaar Status.

Step 1b: Alternatively, you can go to My Profile > Link Aadhaar Status.

(If your Aadhaar is already linked, Aadhaar number will be displayed. If Aadhaar is not linked Link Aadhaar Status is displayed)

Note:

  • If the validation fails, click Link Aadhaar on the Status page, and you will need to repeat the steps to link your PAN and Aadhaar.
  • If your request to link PAN and Aadhaar is pending with UIDAI for validation, you will need to check the status later.
  • You may need to contact the Jurisdictional AO to delink Aadhaar and PAN if:
    • your Aadhaar is linked with some other PAN
    • your PAN is linked with some other Aadhaar

On successful validation, a message will be displayed regarding your Link Aadhaar status.

How to apply for pan card through ekyc?

  • Click Digital Mode – Aadhaar based e-KYC/e-Signature Option
  • Status of the Applicant
  • Whether you are from defence/NRI category? YES or NO
  • Click PAN CARD Mode
  • Both physical PAN Card and e-PAN
  • Click Submit button

A reference number has been created.

  • Select Title and type first name/last name/ middle name
  • Name on card is automatically captured
  • Have you been known by any other name? NO
  • Gender automatically select as per the title
  • Type date of birth
  • Address of communication – RESIDENCE
  • Resident State – Select state
  • Type AADHAAR number and re-enter AADHAAR number
  • Type name as per AADHAAR Card
  • Click Next Step button
  • Click Make Payment button
  • Select ISD code country
  • Type Mobile number
  • Type email id
  • Type the father’s name as Select Title and type first name/last name/ middle name
  • Click Next Step button
  • Select Biometric
  • If aadhaar and mobile number is linked then select OTP (Note – Best Select Biometric)
  • Capture and Submit
  • Select Source Of Income
  • Click Next Step button
  • Select HIMSELF/HERSELF
  • Verification Place – Type
  • Click Next Step button
  • Click Submit button

Esigh Page

  • Type aadhaar number
  • Click Discover Biometric device
  • Click Capture
  • Agree on terms and submit

Note: Please do not press the refresh or back button and wait for auto redirect

COMPLETE PAN CARD APPLICATION – EASY TO USE

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