Thursday, 31 May 2012

10 Tips to save money for your Holiday Shopping

Holiday shoppingHoliday is a thrilling experience which you enjoy with your family. Just avoid the monotonous routine works and spend away from your place. You may leave for your native place or any other holiday spots. Really enthusiastic and now I can assume your thrill and enjoyment. I am also in a holiday mood when I write this article. But holidays are expensive and it may eat out a good part of your annual savings.  The first step you have to cut holiday cost is in holiday shopping. Holiday shopping I mean is the shopping before and in between the holiday. Followings are the ten tips you can save money for your holiday shopping.

1. Start holiday shopping early: This is the first money-saving tip on you holiday shopping that you should start holiday shopping quite early than the holiday season come. During holiday season things may  costly and you have to pay more for the same things you could buy cheap early. So plan your holiday shopping early and get all things with low-cost.

2. Prepare and recheck your gift list: During holidays and when you come back after holidays you may have to give gifts to your friends and relatives. You plan such gifts and the name of the persons you have to give gift. Avoid unnecessary gifts and to unnecessary people from your gift list. If you will not see a person for the year, you can avoid such person from giving gifts. Remember that gift is  affordable, memorable and usable. Gift is not valued by its cost, but its usefulness and the loving memory of the person it gives out. I got a digital B.P Checker which may cost around $50 as a gift from my sister abroad and it is still usable as I am a high blood pressure patient.

3. Plan your holiday budget and stick around it: Before leaving for holidays make a budget and keep that budget strictly to avoid overspending. This planning may cut unnecessary holiday shopping expenses.

4. Try to avoid credit card for holiday shopping: When you shop for holidays use your debit card or liquid cash. This may avoid the tendency of purchasing unnecessary items. This will help you to stick around your holiday budget.

5. Make gifts yourself to save money: When you go for holiday the gifts you give out during the trip you can give self-made gifts to save a lot of money. You can make sweaters, handy craft items etc with very low expenditure.

 6. Avoid gifts for yourself: It is not necessary that you buy a gift for self. You may get gifts from others during holidays. So avoid overspending for self gift.

7. Use cheaper packing for gifts: The packing you use for gifts are not usable again and normally it may throw out. So reduce packing expenses to save your money.

8. Avoid greeting cards: You may avoid greeting cards etc. in holiday season especially on Christmas season. Now all are using internet and you can sent a beautiful e-card free of cost.

9. Use home-made food: If possible, use home-made food during holidays which may cut your holiday expenses up to a certain extent.

10. Purchase inexpensive items: You can cut holiday shopping expenses by purchasing inexpensive items. Some items may cost cheaper in the place where you go for holidays and some items may  inexpensive at the place where you live. Buy such items from inexpensive places to avoid overspending.

If you keep all the above money-saving tips in your holiday shopping you can enjoy a wonderful holiday with least cost. Your annual savings will save and can use for satisfying your financial plans. You can keep your holiday budget and can save money. So enjoy a wonderful holiday with your family.

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Wednesday, 30 May 2012

No Income Tax Case reopen, closed before 01.04.2012

The Union Finance Minister Pranab Mukerjee said that the Income Tax Department will not open income tax cases which are solved or closed before 01st April, 2012. This has said while inaugurating Pratyaksh Kar Bhavan in New Delhi.

In his own words, "I gave a commitment in Parliament with regard to retrospective amendments that CBDT ( Central Board of Direct Taxes) will issue a policy circular to clarify that in cases where assessment proceedings have become final before first day of April 2012... Such cases shall not be reopened. Now CBDT has issued a circular in this regard"

In Budget 2012-13 there was Proposal that the Income Tax Department can reopen any cases of any year. Now there is a relaxation in the proposal that the Department will not reopen the cases which are already closed or solved before 01st April, 2012.

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Lowest value of Rupee against U.S Dollar

Today the value of Rupee falls down to 56.23 against U.S Dollar. This is considered as the record fall of the value Rupee.

Adverse effect of Currency value affects importers badly. They have to pay more Indian Money for their importing items. This may increase the price of such items in India. The recent petrol price hike is one of the best examples. This petrol price hike fuels the prices of other commodities.

This decreasing value of money gives more profit to the people those who get their income in U.S dollar. They will get comparatively more money. But the price hikes of other commodities affect them also

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Monday, 28 May 2012

Job highlights of employment news 26 May 2012

Job listEmployment News is a weekly which displays government job vacancies. The Employment News 26 May – 01 June 2012 also have a lot of government job vacancies. For the convenience of our readers we list the important job highlights of Employment News (26 May - 01 Jun 2012). You have to read the weekly for more details about each of the following job highlights.

Uco Bank invites applications for recruitment of 1000 Clerks. Last date for online Registration : 02.06.2012.

Steel Authority of India Limited, Burnpur invites applications for 507 non-executive posts. Last Date : 21.06.2012.

Headquarter Southern Naval Command, Kochi requires 399 Safaiwalas, unskilled Labourers, Fireman Watchman, Mali, Peon etc. Last Date: 21 days after publication

Mahanadi Coalfields Limited requires 353 Jr. Overman, Mining Sirdar and Deputy Surveyor. Last Date : 11.06.2012

Assam Rifles invites applications for recruitment of 242 Tradesmen. Last Date : 19.06.2012.

Bipin Tripathi Kumaon Institute of Technology Dwarahat requires 44 Professors, Associate Professors and Assistant Professors. Last Date: 18.06.2012

17 Field Ammunitions Depot C/o 56 APO requires 44 Fireman and Mazdoors. Last Date : 21 days after publication.

Border Security Force requires 37 Para-medical Staff. Last Date : 30 days after publication.

Mata Sundari College for Women, New Delhi needs 25 Assistant Professors/Lecturers. Last Date : 20.06.2012

The Indian Navy invites applications from unmarried male candidate for enrolment as Sailors for Senior Secondary Recruits (SSR)-01/2013 Batch. Last Date : 22.06.2012.

Job highlights of employment news (26 May - 01 Jun 2012) listed above. Read more about each job vacancy from the employment news.

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Wednesday, 23 May 2012

Children Education Allowance- fee for audio-visual aids

Since the inception of new CEA or Children Education Allowance and reimbursement of Tuition fee with 6th Central Pay Commission there are a lot of doubts and confusions about the reimbursement of fee and other education expenses. Most of these questions are answered by the concerned departments through Office Memorandum and Government Orders.

Today on 23rd May, 2012 also there is an Office Memorandum (No.12011/07/2011-Estt.(AL)

Dated 23rd May, 2012) issued by Government of India, Ministry of Personnel, Public Grievances & Pensions (Department of Personnel & Training) to clear the doubts of reimbursement of fee charged by school for teaching through audio-visual aids. It is stated that the fee paid to school for teaching through audio-visual aids also can be reimbursed within the definition of fee mentioned in para 1(e) of the O.M.No.12011/03/2008-Estt.(AL) dated 2nd September, 2008

The last update was on 21st February, 2012 regarding the reimbursement of development fee through the O.M No.12011/07/2011-Estt.

Refer O.M.No.12011/03/2008-Estt.(AL) dated 2nd September, 2008

And Office Memorandum No.12011/07/2011-Estt.(AL)

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Tuesday, 22 May 2012

Job highlights of Employment News 19 May 2012

894 Probationary officers required in Vijaya Bank. This is the first important job highlights of Employment News 19th May 2012 to 25th May 2012. All important job highlights of employment news (19 May – 25 May 2012 as follows:-

  1. Vijaya Bank, Bangalore requires 894 Probationary Assistant Managers. Closing Date for online registration : 02.06.2012

  2. Cordite Factory, Aruvankadu invites applications for recruitment of 295 Chemical Process Workers, Fitters, Electrician, Welder, etc. Last Date : 21days after publication

  3. Central Ammunition Depot, Pulgaon, requires 252 LDC, SK, Fireman, Cook, Telephone Operator, Mazdoor, Messenger, Safaiwala etc. Last Date : 30.06.2012

  4. Central Ordnance Depot, Agra invites application for the recruitment of 102 Group ‘C’ posts.

  5. Indian Ordnance Factory, Ambarnath requires 145 Electrician, Fitter, Machinist, Millwright, et Last Date : 21 days after publication

  6. Atomic Energy Education Society, Mumbai requires 62 Principal and Teachers. Last Date : 21 days after publication

  7. CO 5122 ASC BN (MT) requires 54 Civilian Motor Drivers (Ordinary Grade) Last Date : 21 days after publication

  8. Military Hospital, Gopalpur, Orissa invites application for the recruitment of 19 Group ‘C’ posts. Last Date : 21 days after publication.

  9. Hindustan Aeronautics Limited, Koraput needs 16 Medical Superintendents & Medical Officers (Gr.-ll) Last Date : 09.06.2012


The abovementioned job highlights are from employment news (19 May - 25 May 2012). Read the weekly for more details.

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Wednesday, 16 May 2012

Savings, investments and wealth management service

Now investment has a wide meaning. It includes money market investments, real estate investments, investment in gold and other precious metals, investment in artworks, investment in mutual funds, fixed deposits and even insurance also consider as investments. In this situation it is better to differentiate savings and investments and seeking advice from wealth management professionals.

1. What does savings means?

Saving is just set apart a part of your income for your immediate financial needs such as marriage, education, hospitalization and so on. The money you save is not the left over after satisfying all your daily financial requirements. You postponed or avoid some of your financial requirements for a few expected future needs. This savings can do by keeping money separately or in a bank.  Popular saving methods are recurring deposits (RD) and systematic investment plan (SIP).

A. Recurring deposit: Through recurring deposit you can save a fixed amount (say Rs. 100, Rs. 1000 and Rs. 5000 etc.) periodically in a bank or post office. After the predetermined period you can withdraw the money with interest and can use for your financial needs or can invest in any investment methods.

B. Systematic investment plan: Through systematic investment plan you can save a fixed amount of money in any mutual fund or exchange traded fund for a fixed period. After the end of the tenure you may withdraw the money or can keep in the fund itself for any time. When you need money you can redeem these funds partly or wholly as per you financial needs. You can earn growth or interest as per the nature of the fund you invested in.

2. What does investments means?

Investment means spend money for purchasing any financial documents or properties to satisfy one or more long-term financial needs. These financial needs may purchasing of a residential house,  higher education of your children, marriage of your children, meet retirement needs etc. Invest your savings wisely for long-term financial needs. This includes purchasing real estate for resale or for rental income, invests in gold, fixed deposits, long-term mutual funds or shares etc. You should apply more knowledge and wisdom to get the greatest benefit. You should get growth of your wealth and at the same time you have to beat inflation.  You must be an expert to get the full benefit of your money. You can seek the advice of a good financial consultant, investment adviser or wealth management service.

3. What does wealth management service means?

Wealth management or wealth management service is the growing tendency among investors to get fruitful advice for their investment needs. These wealth management services offer effective investment advice and direction to use your hard-earned money wisely. They help you to fix your financial goals and teach you how to save and invest money for satisfying these financial needs. They will also teach you how to set apart a part of your income for your investment and financial needs. Greedy professionals may direct you for their own benefit. When you select a wealth management service or a financial consultant, find a good one and the fee you paid for their service is not a loss.

So set apart your income and save them for your financial needs and invest wisely this money with the help of a good wealth management service and enjoy a quality life.

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Monday, 14 May 2012

Pure Insurance and insurance with investment

You must have heard a lot of insurance policies such as Term life insurance, whole life insurance, endowment insurance, money back insurance plan, Unit linked insurance plan, retirement insurance plan and so on. These terms may make you confused a lot and you may wonder which schemes to be selected for your insurance needs. Insurance agents also made you more confused by narrating advantages of each type of insurance schemes. But you must have a general knowledge about each type of insurance schemes.

In India the concept of insurance mingled with investment. But in foreign countries, people do not like to mix up insurance and investment. Once I posted a query in a forum. The query was “Can we mix up insurance and investments? Is it profitable?” But all the replies I got were against mixing up insurance and investments. Insurance is for getting enough coverage for the expected loss and the concept of investment is growing our wealth. Insurance compensates our monetary loss while investment increases our money or wealth.

But in India it is considered that insurance is a product which helps investment also. So in India insurance companies issue a lot of insurance products mixed with investments. We can classify insurance into three categories as follows:-

Insurance which gives complete protection: - These types of insurance are pure insurances which have no investment factorin it. This insurance gives complete coverage of the monetary loss of the damage as per the terms and conditions of the policy. This type of policy does not give any monetary benefit, if the insured person or insured material overcomes the insured period. Pure term life insurance, home insurance, auto insurance, health insurance etc are under this category. Normally this insurance period is one year and we should pay renewal premium every year and we will get insurance protection till the end insurance period and this period will be extended for another year after paying the premium. Pure term life insurance policy is one of these types of life insurance policy. This insurance policy has comparatively low premium (cheap insurance policy) when compared to insurance policy which has investment factor.

Insurance policy which gives protection and investment: This type of insurance policies cover monetary loss and at the same time a return for your premium in between or at the end of the insurance period. A large portion of life insurance policies are under this category. Endowment policy, money back policy, whole life insurance policy, unit linked insurance policies etc. are gives insurance protection and a return for your premium amount. As per the nature of the policy we have to pay high premium than pure insurance policies. Whole life insurance policy gives insurance cover till the end of your life, all other insurance policies gives life cover till the policy term (for a stipulated period) only. When the investment factor is high the premium also will be high.

Insurance policy which gives investment only: There are certain insurance policies give you investment only, no insurance protection. Retirement insurance plans are coming under this category. We should invest a stipulated amount as premium for a certain period and at the end of the insurance period or retirement of the insured, the insurance company gives you a regular income (monthly, quarterly, half-yearly or annually) as per the terms and conditions of the policy. Normally the insurance company invests the accumulated money in an annuity which gives you a regular income.

You can choose from any of these insurance categories or altogether, but when you join an insurance policy learn all the aspect of the policy. Go through the prospectus and terms and conditions of the policy and compare same type of policies with different insurance companies. Some websites also helps you to compare insurance products of various insurance companies. Do your home work well and choose a suitable plan to secure the future or you and your beloved ones.

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Sunday, 13 May 2012

How many insurance policies required for a family

Family is the basic unit of the society. It is an unavoidable unit for every community, society or nation. Normally family consists of Father, Mother and children. Some families also have grant parents and other immediate relatives. Family needs income to survive. Without money nobody can survive. For all requirements you need money. We can classify families with high income, low-income and middle-income on the basis of annual income of the family. There is one or more bread earning members in each family. With the income of these bread earning members the family meet all their monetary requirements.

But today’s world is a risky world. We cannot predict what type of risk we may face every time. Some of these risks may steal the life or working ability of the bread earners of the family. Some other type of risks brings monetary loss to the family. Whatever is the risk we have to cover those for the smooth running of the family?  We cannot prevent or control most of these risks. Only thing we can do is to compensate the monetary loss of these risks. Proper insurance policies help you to cover all these risks up to a certain level. Here we can see what type of policies needed for a family to cover their risk.

We must completely be aware about possible risks and which policies cover what type of risks, how much premium we have to pay for each type of risk cover and how can we make claim for each type of risk etc. We have to select policies as per our income and financial needs. Normally those who have high income have high financial requirements and those who have low-income have comparatively low financial needs. So insurance policies also chosen as per the financial needs and income of the family.

Normally following insurance policies required for a family

Life insurance policy: Life insurance covers the life of the insured person. The life of the bread earning member of the family can cover with this life insurance policy. The life cover or sum assured will get to the nominee or dependents or the insured person, if the insured person dies or getting disabled. An adequate insurance cover will solve the monetary loss which happened through the death or disability of the bread earning member of the family.

Accidental insurance policy: An accidental insurance can secure the financial future of the family even after the death or disability of the bread earner through an unexpected accident. This is done with the life insurance with a small additionalpremium.

Medical Insurance policy: One of the costly financial needs of a family is the medical treatment of any of the family member. A good medical insurance or mediclaim policy can secure the monetary loss through an unexpected illness of any of the family member. This medical insurance policy not only compensates the treatment expenses but also ensure good medical treatment for each family member. An adequate medical insurance is necessary for each family.

Auto insurance or car insurance policy: Auto insurance secures the financial loss due to vehicle accident. This insurance covers the repair cost due to accident and at the same time it covers the financial loss of the third-party who has a financial loss due to  the accident of your vehicle. So auto insurance compensates the repair charges and compensation of the party who met with accident. But you must be care and should keep all the traffic rules even after getting an adequate vehicle insurance policy.

Home insurance: A good home insurance policy protect you from the financial loss due to theft, fire or any natural calamities. The insurance company compensates you for the financial loss due to any of these unfortunate events happened to your assets.

Pension or retirement policy: A good retirement policy keeps you from the financial inadequacy due to your retirement. If you have an adequate retirement policy you can meet all you financial requirements yourself even after your retirement. You need not depend on others for your monetary needs even after your retirement.

The abovementioned insurance policies secure the financial future of your family even after any unfortunate events happened to you or your family. Always be careful for adequate insurance cover and you must keep away from all type of risks even after getting adequate insurance. You might be heard that “prevention is better than cure”. But we must be away from all type of infections even after proper vaccination. Likewise you must take all care to be away from all risk possibilities even after taking adequate insurance policy. A monetary compensation could not give the love and care to your loved ones.  But take adequate insurance to cover any unforeseen risks.

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Saturday, 12 May 2012

Know about your mortgage before you set out to buy one

          
It is important that before you take out a mortgage, you know about their basic characteristic features. Explained below are some of the most common mortgages and their pros and cons.


  1. Fixed rate mortgage:



  • Pro – These are the most stable of mortgages without any sudden surprises. The interest rate stays the same over the entire term of the mortgage, usually 15, 20 or 30 years. Thus the payment remains the same also.

  • Con – In case the market interest rate falls, you still have to continue paying the old high interest rate.



  1. Adjustable rate mortgage:



  • Pro – These usually offer a lower interest rate to begin with as compared to a fixed rate mortgage loan.

  • Con – After the initial period of low interest, the rates fluctuate over the entire lifespan of the loan. As the interest rises, so does the loan payment. Also there is no stability as the payments keep changing.



  1. Federal Housing Administration (FHA) loans:



  • Pro – These allow buyers with lower income and average credit score who may not be able to qualify for a home loan to get a low down payment.

  • Con – The amount of money you get as loan might be limited.



  1. Veteran Association (VA) loans :



  • Pro – These are guaranteed loans for veterans who are eligible, active duty personnel and surviving spouses of deceased veterans. These offer competitive rates and low or no down payments.

  • Con – The size of the loan you take out may be limited.



  1.  Balloon mortgage:



  • Pro – These are usually a fixed rate loan with relatively low payments for a certain period of time.

  • Con – After the initial period of low payment is over, the entire balance of the loan is due immediately. They can be quite risky for you if you don’t know what you are doing.



  1. Interest only mortgage:



  • Pro – You can pay only the interest on your mortgage in monthly installments for a certain period of time.

  • Con – After an initial period of time, the balance of the loan is due. This means you have to make much higher payments henceforth, make a lump sum payment or refinance your mortgage.


Thus you can see the advantages and disadvantages of the major kinds of mortgage loans. You can now choose the one which is most appropriate for you.

(This guest post is presented courtesy of EasyFinance.com.)

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Thursday, 10 May 2012

Just wait for EPF Account Portability

This is the time of Portability. You must have heard a lot of portability right now. It starts from mobile phone number portability. Then Bank account number portability and now it comes to EPF account portability. A unique number system is coming to provident fund account. When EPF account portability  comes a person could have only one provident fund account number in his entire employment life.

Till now the system of transferring employees provident fund account is a tedious and time consuming job. When an employee shift his job from one employer to another, he can either transfer his provident fund account number to the new EPF account number with the new employer or can withdraw the account.

In a few cases the employee leaves his Provident Fund account idle and never turn up to it. There is lot of such accounts with Employees Provident Fund Organization (EPFO). Now such inactive account could not earn any interest after completing three year of inactiveness.

Now EPFO plans to bring a unique provident fund account and it gives portability for EPF account. An employee can shift his job from one employer to another or from one city to another; he can have the same provident fund account number and it removes the difficulties of shifting one PF account to another. An employee can keep all his PF savings in one account and can withdraw when he finish his employment life.

This may be connected with PAN (Permanent Account Number) or Unique Identity Number. But the EPF account holder will have only one account in his entire life.

EPFO made a lot of changes in their accounting and data management and now each subscriber can know his PF account balance online through their mobile phone and can track their PF contribution. Now EPFO compelling the employers to submit their PF return and even challan through online and it facilitate timely data entry electronically.

We can hope that the long waiting to collect EPF settlement will be over and a subscriber can get good service from the organization which keeps and manage employee’s money.

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Wednesday, 9 May 2012

Employment News Job Highlights 5 May 2012

This week’s employment news (Employment News 5 May - 11 May 2012) issued with a lot of government job vacancies. Employment News is the authorized weekly to advertise government jobs.  If you wish to get a good placement with government of India, state governments or any government institutions you must read employment news regularly. Following are the list of job highlights in present employment news

Union Public Service Commission notifies National Defence Academy and Naval Academy Examination (II)-2012. Last Date: 04.06.2012

The Indian Navy invites unmarried Men and Women to join the Indian Navy as Short Service Commissioned Officer as Pilot/Observer in the Executive Branch. Last dated: The online applications Registration will cease on 19th May, 2012.

High Court of Gujarat, Ahmedabad invites applications for filling up 320 vacancies in the Cadre of Civil Judges. Last Date : 15.05.2012

Electronics Corporation of India Limited, Hyderabad requires 107 Graduate Engineer Trainees in various disciplines. Last Date of online Registration: 21.05.2012.

Dr. Harisigh Gaur Vishwavidyalaya, Sagar invites applications to fill up 82 non-academic posts under Special Recruitment Drive for SC/ST/PC & OBC. Last Date: 20th May 2012.

Ordnance Factory, Katni requires 70 Examiner, Fitter, Machinist, Turner, Moulder etc. Last Date of online application : 02.06.2012

Tea Board, of India, Kolkata requires 41 Development Officers. Last Date: 11.05.2012.

State Farms Corporation of India Limited, New Delhi requires 37 Assistants and Accounts Assistants. Last Date: 05.06.2012

Forest Research Institute, Dehradun requires 32 Technical Assistant, Officer Facilitator/Officer Attendant, and Security Attendant etc. Last Date: 31.05.2012.

The abovementioned employment news job highlights are from the employment news weekly 5 May - 11 May 2012. If you like to apply for any of the posts from the job list, please refer the weekly for more details.

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Sunday, 6 May 2012

Free to Choose Annuity Service for NPS Subscribers

Pension Fund Regulatory Authority (PFRDA) now allows its subscribers of National Pension System (NPS) to choose their Annuity service themselves from 6 IRDA approved Life Insurance Companies. This may be called Annuity Service Portability. The NPS Subscribers can choose their Annuity service among the following 6 major life insurance companies, when they attain the age of 60 years (the pensionable age)

1. Life Insurance Corporation of India

2. SBI Life Insurance Co. Ltd.

3. ICICI Prudential Life Insurance Co. Ltd.

4. Bajaj Allianz Life Insurance Co. Ltd.

5. Star Union Dai-ichi Life Insurance Co. Ltd.

6. Reliance Life Insurance Co. Ltd.

NPS allows 60% of the accumulated amount can be withdrawn when the person attain the age of 60 years and the remaining 40% of the corpus must invest in any annuity sachems to get regular income as pension. Now this annuity schemes can select by the subscribers as per their choice from any of the above 6 life insurance companies.

This is a good movement from the side of PFRDA which allows its subscribers to choose their annuity service provider as per their own decision and convenience.

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Friday, 4 May 2012

AICPIN for the month of March 2012 is 201

AICPIN or All India Consumer Price Index Number for Industrial workers for the month of March 2012 is published by the ministry of Labour and employment. This time the AICPIN is increased by 2 points and stood at 201. For the month of Februray 2012 it was 199. The inflation continues to be going up and this time there is a jump of two points.

AICPIN (IW) is calculated on the basis of the price variation in necessary consumable items such as rice, wheat, meat, egg, vegetables, edible oil, tobacco and many more daily using items.

When considering point to point inflation the highest increase in Index Number of 7 points recorded in Bhilwara, Vijaywada and Salem centers and the least increase of 1 point recorded in 19 centers. The highest decrease of two points in Index number is recorded in Tripura center.

Index number of six major centers for the months of January, February and March 2102 are recorded as follows:-

Centers                          Jan 2012    Feb 2012     March 2102

1. Ahmadabad       -       192               196              201

2. Bangalore          -        200               204              206

3. Chennai              -        187               186               187

4. Delhi                    -        181                182               185

5. Kolkata               -        184                186               190

6. Mumbai              -        199                200               204 

When considering Dearness allowance to government employees Index number is the main factor which reflects the cost of living of people in various places. AICPIN (IW) is considered for fixing dearness allowance to central government employees. This time the Dearness allowance of 65% is fixed for central government employees with effect from 01st January, 2012.

AICPIN for the month of February 2012 is 199


AICPIN For the month of January 2012 is 198


Expected D.A (Dearness Allowance) next installment