Beware fake email send by hackers in the name of income tax dept

Beware fake email send by hackers in the name of income tax dept

@DelhiPolice @FinMinIndia @PMOIndia @EconomicTimes @htTweets @narendramodi

Critics मैं रोज हेलमेट और मास्क पहन कर गाड़ी चलाते हुए 500₹ बचा लेता हूं.इस तरह मैं पंद्रह हजार रुपये महीने कमाने लगा हूँ । Jobless growth -If the economy was growing, the number of unemployed would be less. Unemployment is an indicator of an economic recession.

मैं रोज हेलमेट और मास्क पहन कर गाड़ी चलाते हुए 500₹ बचा लेता हूं.इस तरह मैं पंद्रह हजार रुपये महीने कमाने लगा हूँ ।

नौकरी जाने से लोग तनाव में। ऑनलाइन सर्च खाली समय को अवसर में कैसे बदले।

Information Technology may trim 40K middle-level jobs

Ref:

https://economictimes.indiatimes.com/jobs/information-technology-may-trim-40k-middle-level-jobs/articleshow/72118446.cms

Employment & Labour Reforms 

If the economy was growing, the number of unemployed would be less.

Unemployment is an indicator of an economic recession. 

The government promised to prevent an economic recession in the country. However, the fact that over millions of people were unemployed in previous years shows that the government failed in their attempts to prevent the recession.

Fully codify central labour laws; Enhance Female Labour Force Participation to 30%.
Enhance skills & significantly increase number of apprenticeships.
Improve data collection on employment.
Ease industrial relations to encourage formalization.

जॉब लेस्स ग्रोथ, इंडिया इकॉनमी को बूस्ट, चीन का भारत में इंटरफेयर ,

Reference: 

PMOPG/E/2017/0379516- जॉब लेस्स ग्रोथ, इंडिया इकॉनमी को बूस्ट, चीन का भारत में इंटरफेयर

Observation

नागपुर मेट्रो के लिए 851 करोड़ रुपए का ठेका चीन की कंपनी को मिला वह भी देश की सरकारी कंपनी से छीनकर। 

और हम दीवाली की झालर बायकाट करके चीन से जंग लड़ रहे हैं 

http://www.business-standard.com/article/economy-policy/china-railway-rolling-stock-corp-bags-rs-851-cr-nagpur-metro-contract-116101500600_1.html

• when India’s GDP was still growing at an average 8.5%, the organised sector was producing on average 9.5 lakh new jobs every year. Bear in mind, even this was seen relatively as ‘jobless growth’. In the last two years, 2015 and 2016, the average employment generation has plummeted to less than 2 lakh jobs a year. This is less than 25% of the annual employment generated before 2011.

• In 2015, when fresh employment generated in these 8 sectors collapsed to an all time low of 1.5 lakh jobs, the government was so alarmed by the development 

• IT and BPO. These two sectors alone employ about 4 million people today and the industry’s own estimate is upto 60% of this workforce will not be of any use with their present skill levels. Says Nasscom president R. Chandrashekhar,

Reference: https://thewire.in/137092/denial-jobless-growth-unemployment-modi-bjp/

Challenges: 

• Jobless Growth
• India boosts troop presence near face-off site with China
• The Indian Army has moved another 2,500 soldiers from their peace-time deployments in Sikkim to further reinforce its proactive stance in the ongoing troop face-off with China on the Doklam plateau, even as it maintains high alert 
• http://timesofindia.indiatimes.com/india/india-boosts-troop-presence-near-face-off-site-with-china/articleshow/59536954.cms
• Sikkim border dispute: Indian Army deploys 2,500 more soldiers to site while China hints at Kashmir unrest

Proposed solution

• Made in China समान पर 500% Import डुएटी लगाई जाए। 
• और  Make in India समान पर 50% टैक्स छूट दी जाए। 

Public reference and comment

वर्ष - 1962,
भारत-चीन युद्ध

==चीन==
सैनिक - 80,000
शहीद - 722
घायल - 1697

==भारत==
सैनिक - 10,000 से 12,000
शहीद - 1383
घायल - 1047
लापता - 1696
बंदी - 3968

परिणाम - भारत, चीन से हार गया…!

चीन अभी तक सुधरा भी नहीं है।
लेकिन हमे क्या ?? 53 साल पहले की बात भूल कर हम तो चीनी सामान खरीदेंगे....उसकी आर्थिक स्थिति मजबूत करेंगे !! सैनिक तो होते ही मरने के लिए है !!
नेता बोल देते है.....हमारा व्यवहार बोलता है !!

मर जाएंगे क्या हम बिना चीनी सामान के ??
अगर नहीं.....तो याद उन्हे भी कर लो.....जो लौट के घर ना आए…!!

और सीखो जापान जैसे देशो से……
काफी समय पहले की बात है अमेरिका और जापान में आपसी व्यापार बिलकुल न के बराबर था।
अमेरिका ने काफी जोर देकर जापान की सरकार से कहा की जो आपके यहाँ संतरा (orange) होता है
हम उससे काफी सस्ता और दिखने में अच्छा संतरा आपको दे सकते है।

जापान की सरकार ने अमरीका के दबाव की वजह से आर्डर दे दिया।
जब वो संतरा जापान के बाज़ारों में बिकने के लिए पहुंचा

(आपकी जानकारी के लिए बता दूँ कि जापानी संतरा खाने में कड़वा होता था और जो अमेरिका वाला संतरा था वो खाने में अच्छा भी था। )

तो जब वो अमरीका वाला संतरा जापानी बाज़ारों में आया तो किसी ने नहीं खरीदा।

पता है क्यों नहीं खरीदा…!!
जापानी लोगो ने कहा कि चाहे मेरे देश का संतरा कड़वा और महंगा है।
पर है तो हमारे देश का ही।
हम इसे ही खरीदेंगे।
तो वो बाकी का करोड़ो रूपये का संतरा सरकार के पास पडा पड़ा ही सड गया

तो ये होती है राष्ट्रभक्ति मेरे भाइयो…!!

कुछ सीखो छोटी आँख वाले जापानियों से
हमारी तो आँखे भी बड़ी है और दिल भी…!!
कृपया करके इस पोस्ट को शेयर करे …!!!

🌍दुनिया में सबसे powerfull फ़ौज सोवियत संघ 🇭🇰के पास थी , जिसका खर्चा वह भारत🇮🇳 जैसे देशो को मनमाने दाम पर हथियार बेच कर उठाता था , परन्तु जब अमेरिका 🇬🇧और फ़्रांस🇦🇺 उससे बहुत कम कीमत में उनसे अच्छा हथियार बेचने लगे तो सोवियत 🇭🇰का बाजार टूट गया और ९० के दशक आते आते वह अपने सेना का खर्च उठाने में असमर्थ हो गया परिणाम स्वरुप उसे अपने आधीन राष्ट्रों को आजादी देनी पड़ी इस प्रकार सोवियत संघ🇭🇰 का पतन हो गया ।
चीन 🇨🇳के पास भी बहुत बड़ी सेना है, और उसे भी अपने सैनिको का खर्च उठाने के लिए अपना सामान अन्य देशो के बाजार में भेजना पड़ रहा है और यहाँ तक उसे अपने कैदियों के अंगो को भी बेच कर पैसा कमाना पड़ रहा है ।
लगभग रोज चीन 🇨🇳भारतीय सीमा 🇮🇳में घुस आता है, परन्तु वह वियतनाम युद्ध 🚀के बाद इस स्थिति में नहीं है की कोई बड़ी लड़ाई 🚀लड़ सके, यदि चीन 🇨🇳को बिना एक गोली चलाये सबक सिखाना है तो सबसे अच्छा तरीका यही है कि हर भारतीय 🇮🇳चीनी 🇨🇳सामानों का बहिष्कार करें, क्योकि दुनिया का सबसे बड़ा बाजार भारत 🇮🇳है ,कोई भी देश से यदि इतना  बड़ा बाजार छिन जाये तो उसका आधा पतन ऐसे ही हो जाएगा.
मै हर भारतीय 🇮🇳से अनुरोध 👏करता हूँ कि वह चीनी 🇨🇳सामान लेना बंद कर दें...!!

नागपुर मेट्रो के लिए 851 करोड़ रुपए का ठेका चीन की कंपनी को मिला वह भी देश की सरकारी कंपनी से छीनकर। 

और हम दीवाली की झालर बायकाट करके चीन से जंग लड़ रहे हैं 

http://www.business-standard.com/article/economy-policy/china-railway-rolling-stock-corp-bags-rs-851-cr-nagpur-metro-contract-116101500600_1.html

Government Initiatives

Anti-dumping duty on 93 products from China: Nirmala Sitharaman http://economictimes.indiatimes.com/news/economy/foreign-trade/anti-dumping-duty-on-93-products-from-china-nirmala-sitharaman/articleshow/59987973.cms?utm_source=WAPusers&utm_medium=whatsappshare&utm_campaign=socialsharebutton&from=mdr

Anti-dumping duty likely on import of a chemical from China

http://economictimes.indiatimes.com/articleshow/59721790.cms?utm_source=WAPusers&utm_medium=whatsappshare&utm_campaign=socialsharebutton&from=mdr&utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst

Government imposes anti-dumping duty on Chinese ceramic items

http://economictimes.indiatimes.com/articleshow/59124170.cms?utm_source=AMPusers&utm_medium=whatsappshare&utm_campaign=socialsharebutton&from=mdr&utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst

Barcode and QR code feature in new Indian currency can bring lots of safety from fake notes

Barcode and QR code feature in new Indian currency can bring lots of safety from fake notes

New Test for entry to engineering bring more difficulty for parents

New Test for entry to engineering bring more difficulty for parents

Now more power to coaching industry due to this add on  now normal subject level guidance fee will 1.5 times due to this add on of aptitude.

As concern as subject oriented guidance student still need to study full year because 2-3 month practice is really not give platform to crack the  exam like IIT/NIT or premium engineering exams

Feedback mark to the new  proposal by HRD is 2 -3 out of 10 scale by parents

Ref ; http://www.hindustantimes.com/education/new-test-for-entry-to-engineering-to-be-first-conducted-this-october/story-Dr6rRCbkCqKcUMXMCEovsO.html

How to claim PF advance for COVID-19?- UAN Enabled EPF Withdrawal Online if Aadhar, PAN, and Bank KYC updated PF Partial withdrawal Rule 19,10C and for advance form 31

if person do not know UAN Number for old account then they can follow below steps to get UABN Number 

 Case 1: UAN Allotment for Existing PF 

 Link: https://unifiedportal-mem.epfindia.gov.in/memberinterface/ direct link : https://unifiedportal-mem.epfindia.gov.in/memberinterface/no-auth/existingmember/home?_HDIV_STATE_=20-10-104D6F4047CA2C962AF3E58E88933FD5

Direct UAN Allotment by Employees Link:

PF Account Number Format Details | Establishment ID & Extension” 

Old PF Number Format State/establish code ( 4 Digit) / PF Number(independed personal id 3-4 digit) 

 New PF Number Format State/CityEPFO/Establish code(7 Digit)/000/PF Number ( 7 Digit) EPF Balance Check Methords 

Online PF Balance Check for EPFO Member, 

Enquiry Online PF check facility is available at EPFO portal . All you have to do is login the portal using your credentials, and then you can view your PF balance. EPF balance check Through EPFO Portal: Login to www.epfindia.gov.in EPF balance check Through Missed Call: Give a miss call on 011-22901406 EPF balance check Through Mobile App: Download UMANG App EPF balance check Through SMS: Send a SMS to 7738299899 If you have your UAN, skip to the next step. If you do not have your UAN, go to the Member e-Sewa portal and click on the “Know Your UAN" link. You can find this link at the bottom of the login page. If your UAN is not activated, you can activate it by following the “Activate UAN" link just above the “Know Your UAN" link. 

 Unique PPO number Pension Payment Order 

 The unique PPO number is sent to every retiring employee via a letter by the EPFO. It is important for every person who has retired or is on the verge of retirement. ... Other than that, the PPO number also helps in speedy grievance redressal with the EPFO and knowing the pension status online. How to get PPO number using bank account number or PF number? Know here Knowing your Pension Payment Order (PPO) is necessary to get your pension. The PPO number is provided by the EPFO. Every pensioner has a unique PPO. HIGHLIGHTS Knowing your Pension Payment Order (PPO) is necessary to get your pension. The PPO number is provided by the EPFO. Every pensioner has a unique PPO. Every pensioner covered under the Employees Pension Scheme (EPS) is provided with a unique 12-digit number called the Pension Payment Order (PPO) which helps him acquire his pension. If you are a pensioner and you cannot remember your PPO number, here’s how you can retrieve it easily, either using your bank account number linked to the Employee Provident Fund (EPF) or using your PF number. Follow these steps to easily get your PPO number Step 1: Log on to www.epfindia.gov.in Step 2: Click on the Pensioner’s portal Step 3: Next you will be redirected to the ‘Welcome to pensioners portal’. On that page, click on ‘Know your PPO number Step 4: In the next step, enter either your bank account number or PF number On submitting the required details, you will get to know your PPO number along with your Member ID and type of pension. On the other hand, you can also get your PPO number by directly going on to https://mis.epfindia.gov.in/PensionPaymentEnquiry/, which is a separate website of the EPFO that provides all the information about life certificates, PPO number, PPO inquiry, payment information and your pension status. The PPO number is essential when applying for a pension and is needed when one submits his/her life certificate every year. Pensioner's Portal Link: https://mis.epfindia.gov.in/PensionPaymentEnquiry/enquiry.jsp

Knows your PPO No. Link:https://mis.epfindia.gov.in/PensionPaymentEnquiry/RegionCodeController

PPO Enquiry/ Payment Enquiry Link:https://mis.epfindia.gov.in/PensionPaymentEnquiry/paymentEnquiry.jsp

How to request for generate PPO Number 

if you do not have PPO number 

Employees who are yet to get PPO Number

CPAO – Central Pension Accounting Office

login here: https://cpao.nic.in

12 DIGIT NEW PPO NUMBER

https://cpao.nic.in/php4/register_isvalid_new.php#

https://bhavishya.nic.in/

Pension Sanction & Payment Tracking System called 'BHAVISHYA'. The system provides online tracking of pension sanction and payment process by the individual as well as the administrative authorities. 

The forms for processing of pension can be submitted online.

Scheme certificate-Now Available on UMANG APP

Scheme certificate is issued to members who withdraw their EPF contribution but wish to retain their membership with EPFO, to avail pension benefits on attainment of retirement age. Further, Scheme Certificate is also useful for family members to avail family pension, in case of untimely death of the eligible member.

EPS members can apply for scheme certificate under Employees’ Pension Scheme, 1995.

Scheme Certificate is also useful for family members to avail family pension, in case of untimely death of the eligible member.

How can you avail scheme certificate facility?

For availing the service on Umang App, an active Universal Account Number (UAN) and a mobile number registered with the EPFO is required.

Rule for PF advance for COVID-19

75 per cent of the amount standing to your credit in the account, or three months of Basic+DA, whichever is lower.

The application can be made online through EPFO portal.
The application for COVID-19 claim is allowed even if any other advance is pending.
PF advance for COVID-19 can be claimed only once.

How to claim PF advance for COVID-19?

a. Login to Member Interface of Unified Portal
(https://unifiedportalmem.epfindia.gov.in/memberinterface)
b. Go to Online Services>>Claim (Form-31,19,10C & 10D)
c. Enter your Bank Account and verify
d. Click on “Proceed for Online Claim”
e. Select PF Advance (Form 31) from the drop down
f. Select purpose as “Outbreak of pandemic (COVID-19)” from the drop down
g. Enter amount required and Upload scanned copy of cheque and enter your address
h. Click on “Get Aadhaar OTP”
i. Enter the OTP received on Aadhaar linked mobile.
j. Claim is submitted.

How to check your service period transfer?

An individual can check the whether the service period got transferred or not on EPFO's member sewa portal.

An individual can check his past and current service details under the service history tab on the member's e-Sewa portal.

Read more at:
https://economictimes.indiatimes.com/wealth/invest/what-happens-to-your-eps-account-when-your-transfer-your-epf-account/articleshow/73152888.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst

UAN Enabled EPF Withdrawal Online if Aadhar, PAN, and Bank KYC updated  PF Partial withdrawal Rule 19,10C and for advance form 31

https://unifiedportal-mem.epfindia.gov.in/memberinterface/

Now, employee can submit their PF claim for withdrawn/Advance with new  form 19 UAN,10C UAN & 31UAN directly to the commissioner without employer attestation, It is applicable for those employees whose details like Aadhaar number and Bank account number have been seeded in thier UAN and whose UAN have been activated and their KYC have been verified by the employer.

All other employees who not full filling  the above condition shall continue to make their claims of withdrawn/Advance in existing form 19, 10C & 31. 

EMPLOYEE PROVIDENT FUND- PF  Partial withdrawal Rule

Referance:  http://www.epfochennai.tn.nic.in/advances_withdrawls.html

Advances / Withdrawls

Advance/ Withdrawals may be availed for the following purposes : Marriage / Education Treatment Purchase or construction of Dwelling house Repayment of Housing Loan Purchase of Plot Addition/Alteration of House Repair of House Lockout Withdrawal Prior to Retirement Other Advances Notes For Marriage / Education Type of Advance Purpose Eligibility Maximum Admissible Amount** Proof/ documents required Under Para 68-k of the Scheme For the marriage of: self son, daughter brother, sister For education of : self son, daughter Should complete atleast 7 years of service. 3 times in the entire service 50% of Employee share at the time of tendering the application Apply in Form-31 through the Employer Bonafide Certificate duly indicating the fees payable from the educational institution Marriage invitation card along with the application should be submitted through the employer

For Treatment                            

Type of Advance	Purpose	Eligibility	Maximum Admissible Amount**	Proof/ documents required
Under Para 68-j of the Scheme Whenever required for treatment	For the treatment of : self Hospitalisation for 1 month or more major surgical operation in a hospital suffering from TB, leprosy, paralysis, cancer, mental derangement or heart ailment and having been granted leave by his employer for the treatment of said illness family( spouse, son, daughter, dependent father, mother) major surgical operation in a hospital and 1 month or more hospitalisation for the operation suffering from TB, leprosy, paralysis, cancer, mental derangement or heart ailment	No minimum service required Certificate from ESI or from Employer that the ESI facility are not available to the member a doctor [ or registered medical practitioner] of the hospital certifies that a surgical operation or hospitalisation for 1 month or more is/was necessary In case of TB, leprosy ...etc., a specialist doctor should certify	6 times of Wages OR Full of Employee share (whichever is less)	Certificates of proof as mentioned in the eligibility column Apply in Form-31 through the Employer

For he construction/ purchase of dwelling unit (house/ flat)                           

Type of Advance	Purpose	Eligibility	Maximum Admissible Amount**	Proof/ documents required
Under Para 68-B of the Scheme Only Once (either 'construction or purchase of house' or 'repayment of housing loan) Apply in Form-31	For the construction/ purchase of dwelling unit (house/ flat)	Should complete 5 Years of service Only once in service property should be in the name of self or spouse or jointly should not be a joint property owned by other than the spouse	36 times of Wages	Declaration in the Proforma obtained along with application signed by Member Apply in Form-31 through Employer

Repayment of housing loan                    

Type of Advance	Purpose	Eligibility	Maximum Admissible Amount**	Proof/ documents required
Under Para 68-BB of the Scheme Only Once (either 'construction or purchase of house' or 'repayment of housing loan) Apply in Form-31	Repayment of housing loan	Should complete 10 Years of service Only once in service property should be in the name of self or spouse or jointly should not be a joint property owned by other than spouse	36 times of Wages	Declaration in the Proforma obtained with approval and signed by the Member Apply in Form-31 through the Employer

r the purchase of site/ plot                  

Type of Advance	Purpose	Eligibility	Maximum Admissible Amount**	Proof/ documents required
Under Para 68-B of the Scheme Only Once	For the purchase of site/ plot	Should complete 5 Years of service Only once in service property should be registered in the name of self or jointly with spouse  should not be a joint property owned by other than spouse	24 times of Wages	Filled-up Declaration(from the Employee in the prescribed form and enclosed with the application. Copy of the Purchase Agreement Apply in Form-31 through the Employer

Addition/alteration of house                  

Type of Advance	Purpose	Eligibility	Maximum Admissible Amount**	Proof/ documents required
Under Para 68-B(7) of the Scheme Only Once Apply in Form-31	Addition/alteration of house (same type of advance can be availed for repair of house)	Should complete 5 Years after construction Annexure III (construction / completion certificate/ utilisation certificate) should be submitted Only once in service property should be in the name of self or spouse or jointly should not be a joint property owned by other than spouse	12 times of Wages	Certificates of proof Apply in Form-31 through the Employer

Repair of house                                                        

Type of Advance	Purpose	Eligibility	Maximum Admissible Amount**	Proof/ documents required
Under Para 68-B(7) of the Scheme Only once	Repair of house (same type of advance can be availed for alteration of house)	Should complete 10 Years after construction Annexure XIII (construction completion certificate) should be submitted Only once in service property should be in the name of self or spouse or jointly should not be a joint property owned by other than spouse	12 times of Wages	Certificates of proof Apply in Form-31 through the Employer

Lockout or closure of the establishment                          

Type of Advance	Purpose	Eligibility	Maximum Admissible Amount**	Proof/ documents required
Under Para 68-H of the Scheme Whenever need arises	Lockout or closure of the establishment	No minimum service should be closed for more than 15 days Wages for atleast 2 months is not paid Balance should be there in Employee's share. If closed for more than 6 months, advance can be allowed from Employer's share also	equivalent to the total of wages multiplied by no. of months closed	Declaration Apply in Form-31

Withdrawal prior to retirement                                

Type of Advance	Purpose	Eligibility	Maximum Admissible Amount**	Proof/ documents required
Under Para 68-NN of the Scheme Only once	Withdrawal prior to retirement	No minimum service atleast 54 years of age 1 year before retirement	90% of total of both shares	Certificate from the employer showing the date of retirement Apply in Form-31

Public Provident Fund - PPF Partial Withdrawal Rule

Public Provident Fund - PPF  Partial Withdrawal Rule 

you can make one withdrawal per year starting from your seventh year. The first withdrawal can be done after the expiry of 5 full financial years from the end of the year in which your initial subscription was made. The amount of withdrawal will be limited to 50% of the balance at credit at the end of the fourth year immediately preceding the year in which the amount is to be withdrawn, or the balance at the end of the preceding year, whichever is lower, as per the PPF rulebook. Thereafter, you can make one withdrawal per year. The withdrawal amounts are not repayable.

apply in Form C or as near thereto as possible, together with his pass book to the Accounts Office withdrawing from the balance to his credit, an amount not exceeding fifty per cent of the amount that stood to his credit at the end of the fourth year immediately preceding the year of withdrawal or at the end of preceding year, whichever is lower,

911. PRECAUTION BEFORE TAKING THE POSSESSION OF THE FLAT- Real Estate

PRECAUTION BEFORE TAKING THE POSSESSION OF THE FLAT

#Realestate

·         Doors and windows: Ensure your apartment is provided with required doors and windows for proper ventilation in all rooms, including bathroom and kitchen. Improper ventilation can cause numerous problems in future. Ensure all the sliding door/windows work smoothly.

·         Measure size of room: Some builders or developers divert from the sanction planned resulting in reduction in the size of rooms and bathrooms. Ensure that all rooms are provided enough space. Measure the hall, kitchen, bathroom and bedroom sizes. We can ask for compensation for less / difference area.

·         Wall Painting: Wall painting need to be checked before taking possession of home or flat from the builder or developer. Some builders or developers provide single coat wall painting in some rooms instead of double coat. Check if all walls have double coat. Exterior painting should be complete along with window and balcony grills.

·         Cracks on the wall: Look for cracks in the foundation, ceilings and walls, which indicate movement of the structure caused by settling, soil expansion. Check for cracks on the walls, especially between electrical sockets.

·         Checking the tile work: It is also important if there is any crack, hole or damage then it can be replaced but after moving in it is very difficult to do tile work which smokes a lot of dust while removing. Also check the all tiles have proper grouting between the floor tiles and border of walls (No space between the two adjacent tiles) it causes the sippages issue in the floor and wall.

·         Electrical fittings: It is better to ensure the electrical fitting are as specified and the switches and plugs are connected to the main supply line. Extra points are provided are not as per your requirements.

·         Drainage outlets: This is one of the important things you need to check before taking the possession of flat or home. Clogged outlets are a menace if not rectified before you move in. Water collects in bathrooms, kitchen and balconies and creates a mess. Check if all Drainage outlets such as balcony, bathroom, kitchen, utility, etc. are working and not clogged.

·         Check for Leakages: Check if all bathroom fittings are as per specification. Check the working of taps and bathroom fittings. Ensure there are no leakages when opening or switching on taps. Make sure the granite platform in the kitchen is not leaking. Pour a bucket of water on the granite platform and observe for any leakage below it. Check the hot and cold mixer. Also check for water flow from kitchen, bedrooms, and hall. Slope should be towards bathrooms or the terrace. Make sure water is completely draining out and not accumulating at one place. Observe if any leakages are seen in your bathroom. These leakages can cause major headaches later.

·         Check switches and plug-points: Make sure that all the sockets, plugs and bulb holder are connected to the main supply. Also check if main fuse in the house is controlling complete current supply. If you have an inverter, ensure the supply shift to the inverter if the main switch is switched off. Check if all switches and plug-points are working. Check if the extra electrical sockets/switches you had asked for are provided as per requirement.

·         Safety measures: Ensure that your building is constructed according to safety rules provided by the fire department and National building code. Check if your gas leak detector is working by burning a piece of paper and allowing the smoke to fill the kitchen.

·         Check for safety equipments: Like firefighting instruments that are compulsory for every building today. Whether the builder has followed the safety measures or not as per the government rules and regulations. If there is gas pipeline system then check whether the gas leak detector is working properly or not.

·         Parking Space: One very important thing is to check the parking lot which is allotted to you as it is usually not clear on paper. Ensure that it is enough to accommodate a big sized car and easily accessible otherwise it will be difficult for you to adjust the big car in small space.

·         Kitchen Granite slope: Make sure the kitchen granite slope is towards the sink or else you may have to keep cleaning the stagnant water on the granite daily.

·         Chimney: Decide whether you are going for chimney or ventilator fan for kitchen and get the provision done for the same.

·         Wiring: It will be the worst thing in most of the apartments. Ensure that you get the best company switches and MCBs and that they provide separate wiring for geysers, fridge, washing machine, microwave oven etc so that you will not face any difficulty in case you prefer to install Inverter.

·         Possession letter: If your building or apartment is provided with all amenities, size of rooms is as per approval provided and you have checked all things in your apartment, it is time for taking possession of your flat or home. While taking possession of the flat or home, ensure that you have received all documents from the builder. Possession letter, Blue print, No-Objection Certificate, Development agreement, Power of Attorney, Commencement Certificate, Search Report of the Builder’s Advocate, Receipts of payments made to the builder, Letter of allotment etc are some of the important documents required from the builder or developer during possession of the apartment.

·         List of amenities: Builders offer or promise a list of amenities for an apartment you are buying. They include amenities such as playground, lift, swimming pool etc. After completion of construction, buyers or investors find that builder has not provided all amenities as per promised or agreed. Check your agreement to see the list of amenities and make sure each one is provided as per specification.

·         GDA / Nagar Palika will issue Occupancy Certificate (OC), if and only if the building has been constructed according to the Sanctioned Plan and meets all bye-laws. GDA / Nagar Palika has rights to allow up to a maximum of 5% deviations (but that too subjected to certain conditions). If deviations are more than 5% GDA / Nagar Palika  will not issue OC.  Without OC, you will not get Khata (so called ‘A’ Khata). Still you can pay property tax etc, but you will not get your ‘A’ Khata (I mean Khata Certificate and Khata Extract).  Without ‘A’ Khata, neither you can sell your property nor you can get mortgage loan from the bank.

·         And last but not the least, do not pay the entire amount for the flat before you take over possession of the flat. Keep atleast 10-15% of the total money with you and pay only during handing over of keys. Many people pay the whole amount before hand and builders turn a deaf ear to their requests for completion of work.