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How Padho Pardesh Scheme Helps Minority Students For Higher Studies?


The Padho Pardesh scheme is a major section of the Indian government’s 15 Point Programme with a basic aim towards the Welfare of Minorities. Under the Ministry of Minority Affairs, this scheme provides subsidised educational loans for students from the economically weaker section of the population to study overseas.

It is specifically meant to benefit minority communities including Muslims, Christians, Sikhs, Buddhists, Jains and Parsis. Constituting 20.2% of the 1.2 billion Indian population, more than 36% of the 7.5 Lakh students studying abroad hail from these ethnic groups. Padho Pardesh scheme provides subsidised financial assistance to these students and for more who are unable to do so due to financial constraints. Its subsidised loan scheme can be availed for higher studies such as Masters, Ph.D. and M.Phil across various disciplines.

Subsidised Loans To Study Abroad

Studying abroad includes more than just institution fees. According to the Economic Times, the average cost of living in USA and Australia can sum up to around Rs. 75,000 and Rs. 86,000 per month. In the UK, living expenses inside or outside London can vary either side of Rs. 1 Lakh.

As much as 30% Indian students studying abroad prefer educational institutions either in the USA, the UK or Australia. As such, studying abroad requires nearly as much for tuition fees as for living expenses, if not more.

Subsidised education loans provide such students a viable opportunity to meet the varied expenses to pursue their dream courses abroad. Features of the subsidy –

       The payable interest accrued during the moratorium period as per the Education Loan Scheme shall be met by the Government of India.
       Post completion of the moratorium period, the student will be liable to pay interest for the remainder of the loan amount.

Education loans come with a pre-specified moratorium period. It typically includes course duration and either 1 year after course completion or 6 months after employment, whichever is earlier.

This is the most important point of assistance provided by Padho Pardesh. The student availing the loan is not required to repay the interest incurred during the moratorium period. He/she only needs to meet the loan EMIs post the moratorium period minus interest incurred during the same.

There are numerous financial institutions which provide just as beneficial education loans in India. For instance, lenders like Bajaj Finserv offer high-value Loans Against Property for Education at attractive rates of interest and easy-to-meet eligibility criteria.

Bajaj Finserv also provides pre-approved offers with such loans which make the process of availing them quicker and easier. These offers are available on various financial products including secured loans such as home loans, unsecured loans such as personal and business loans.

Conditions To Avail The Subsidy

       Interest subsidy offered by the scheme shall be directly linked to an existing loan availed from the IBA (Indian Banks’ Association) or any financial institution regulated under it.
       Subsidy will be available with each eligible student only once.
       A student discontinuing the course or expelled from the institution will not be able to benefit from the scheme.

There are certain other pointers every borrower should know before applying for a loan against property.

Eligibility Criteria

       The student must have secured admission at pre-specified courses and at Masters, Ph.D. or M.Phil degrees levels.
       He/she has to apply within the 1st year of the course.
       The loan must be availed from a financial institution registered under the Education Loan Scheme of IBA.
       A student is only eligible if he/she belongs from a notified minority section and only if the total annual income of his/her family is below Rs. 6 Lakh per annum.

Padho Pardesh specifically aims to assist students from the socio-economic perspective. It aims to uplift the economically weaker sections of the minority population by meeting necessary finances required for abroad education. It is a progressive ambition towards holistic upliftment of these sections of the society, specifically the minorities. An online tool education loan calculator is used to calculate the loan amount. You can optionally choose to finance your education with a loan against property instead and use the property value to invest in your child’s growth. Make sure to know the education loan details and terms before applying for it.

Know About the 10,000 Houses to Be Built in Kurnool Under NTR Housing Scheme Urban


In an attempt to ease the availability and accessibility of housing options across India, multiple government initiatives like Pradhan Mantri Awas Yojana have come into effect. While the PMAY scheme is a Central Government initiative, individual states have followed up on this attempt and brought in their individual sponsored housing plans.


In a similar targeted scheme, the Andhra Pradesh government launched its NTR housing plan that aimed to make housing affordable for all.

While the government continues with affordable housing endeavors across the state, a considerable share of targeted housing plans lies in the state’s ex-capital, Kurnool. The Andhra Pradesh government estimated the generation of 13,846 houses under the NTR housing scheme in this area, out of which 10,000 will be built in the peripheral region of the city.

Apart from the highlighted residential accommodation, the government also strives to provide multiple auxiliary facilities, viz. –

       Water supply
       Roads
       Drains
       Educational institutes, etc.

What is NTR Housing Scheme?

Launched in 2016, this housing scheme was a cohort plan with PMAY scheme and planned to achieve the ‘Housing for All’ aim of the Central Government. It was launched for both rural and urban areas ensuring that the underprivileged gained the benefit of affordable housing options.

As per latest reports, the government has

       inaugurated about 4.5 lakh houses, and
       sanctioned 15.78 lakh homes under PMAY Urban - Beneficiary Led Construction (BLC), PMAY Gramin, and the NTR schemes

  1. Beneficiaries of this Housing Plan
The following list of people are considered as beneficiaries of NTR housing scheme –

       Individuals who applied from the west constituency before the deadline.
       People from the east assembly constituency.
       Individuals who applied from the central assembly constituency before the deadline
       All who applied for VMC and filled it before the deadline.

  1. Eligibility Criteria and Documents
Beneficiaries of this scheme need to meet the following eligibility criteria and provide these below-mentioned paper works –

Eligibility

       He/she needs to be a permanent resident of Andhra Pradesh.
       Belong to the Below the Poverty Line/having a white ration card.
       He/she should not have any houses via a government housing scheme.

Documents

       Voter ID
       Aadhaar Card
       Present address and contact number
       Permanent address
       Age and number of family members
       Caste
       Bank account details
       Religion
       Number of years as a resident of this state
       Ownership details of one’s present home
       Average monthly income of the household

  1. Registration Process
All that potential applicants need to do is follow the below-mentioned registration process –

       Log on to the official site of NTR scheme.
       Select ‘Citizen Assessment’ option and click on ‘slum dwellers’ tab.
       Click on ‘Benefits under other 3 components’ option and provide required personal details.
       Fill in the online application form and attach essential documents.
       Enter the captcha code and click on ‘save’ option.

Following this, the application process of this scheme starts, and applicant’s eligibility criteria are checked.

Considering this ease in availing of affordable housing options, potential homebuyers still face challenges regarding the financing of their house purchase. Hence, individuals prefer to go for the best housing loan in India from leading NBFCs.

Such Home Loan from reputed financial institutions offers borrowers with a high credit amount and a convenient repayment structure via the lowered rate of interest.
Such advances also come with multiple lucrative features that include –

       Higher loan amount of up to Rs. 5 Crore
       Competitive rate of interest
       Minimum home loan documents needed
       Easy balance transfer facility
       Top up loans
       Property dossier
       Complete transparency in the home loan fees and charges
       Flexible range of repayment tenure from 2 to 20 years
       Convenient access to loan account via a customer portal

Such beneficial features make availing a home loan in Vijayawada, Andhra Pradesh the preferred go-to option for all those applying for affordable housing options under the NTR scheme.

How These Women Solo Travel Bloggers In India Can Inspire You


Solo female traveler - there was a time when these three words collectively, would sound daunting to most people. But times are changing. There are ample examples of women travelers in India today who are following their passion for travel blogging.


The domestic travel insurance industry has also come up with several travel insurance plans for the protection of single travelers. Here are four solo female travel bloggers who gave quit their 9 to 5 desk jobs to pursue their passion for traveling. These are strong headed, independent, and self-driven individuals who have set milestones by going beyond the societal norms.

1.      Mridula Dwivedi

Mridula Dwivedi is one of the most experienced solo female travelers and bloggers in the country. She has been traveling all across the globe for 18 years now. A PhD from IIT, Kanpur, Dwivedi was a professor until 2016, when she left her job to take forward traveling both as passion and profession.

Dwivedi had an inclination for traveling much before she quit her job to travel full time. In 2005, she started a blog called Travel Tales from India and Abroad, which has found mention in BBC and The Guardian. In all these years of traveling, Dwivedi has been to 26 countries till now and aims to visit more.

2.      Ankita Sinha

A high-spirited individual, Ankita Sinha is not only a travel blogger but also has an interest in adventure sports and fashion. She started her career as an IT engineer but eventually decided to leave her stable job and went on to become a well-known traveler.

Currently, 18 countries have made it to her travel list. In 2014, she was awarded the GCC Best Travel Writer. Her blog Anki On The Move which is filled with her travel stories has been featured in The Hindu, Fox Traveller, Outlook Traveller, Hindustan Times, Elle, Huffington Post, and Canada Tourism among others.

3.      Charukesi Ramadurai

As a solo female traveler, Charukesi has successfully managed to carve a space for herself in the field of traveling and blogging. By profession, Charukesi is a writer and is exceptionally good at it. Her writings have been published in reputed publications like The Guardian, Forbes, BBC Travel, CNN Travel, The New York Times, The Economist, The Hindu, and National Geographic Traveller.

Charukesi started traveling at the age of 26 and currently, has traveled to over 46 countries. Her blog Itchy Feet features her travel experiences. Charukesi has also co-authored a book on freelance journalism called Everything You Wanted To Know About Freelance Journalism.

4.      Shivya Nath

Shivya Nath’s journey from a corporate employee to a solo female traveler is phenomenal. Nath, who is from a small town grew up in a very protective environment. After her schooling, Shivya went to Singapore for graduation after which she landed a job at the Singapore Tourism Board.

At Singapore Tourism Board, she got significant insights about traveling following which at the age of 23 she quit her job and started to travel full time. Her travel blog The Shooting Star details her extraordinary travel experiences - like, co-living with a Mayan community in Guatemala and swimming with the sharks in Malaysian coast among others.

These solo female travelers are inspiration for us as they have taken some hard decisions to pursue traveling.
If you want to travel solo, Bajaj Finserv Pocket Insurance can help you fortify your journey against the possible perils. Right from Solo Traveller Cover, Trek Cover, Pilgrimage Cover Road Trip Cover and more, you get several travel insurance options at a cost-effective price point.

GMAT Vs. GRE - What Is the Difference?


Gmat is a global test for aspirants who want to pursue a management post-graduation in various foreign universities. While GRE is a bachelor level entrance test for normal core subjects.Aspirants who want to study in prestigious business schools in aforeign country apply for GMAT. Students who harbours a dream of getting a bachelors degree from a well known foreign university needs to sit in GRE. Voth examinations have their own benefits. But which one is better? Or, are both same? Please read the whole article for detailed information.


Examination pattern

 Each of them has their own differences. But these two examinations have a set of similarities. Both of the exams also include aptitude, reasoning and verbal skills with subject related questions. But 
there are some fundamental differences. Let’s take a look-

Reasoning

 In the case of verbal reasoning, the GMAT vs GRE battle is for the skills. In GMAT, they test an aspirants ability to understand written passages and argument evaluation. 

There are mainly three types of questions in GMAT-

·         Critical reading- In this part, an examinee needs to read a passage and then has to analyze the passage for answers. Often a conclusion is asked on the passage. Here the passages are short(2-3 sentences) and contain more data.
·         Reading comprehension- It is a simple comprehension test with a passage and answers from that passage.
·         Sentence Correction- If you compare GMAT vs GRE then this section is easier compared to GRE grammar and vocabulary section. In this section, a student needs to correct some incorrect sentences.

In case of GRE-

·         Reading comprehension- It same as GMAT.
·   Text completion- It is the same as the critical reading portion of GMAT.   You need to complete sentences by reading short passages.
·         Sentence Equivalence- A sentence with different possible options. Aspirants have to select the correct option. This portion is a little bit difficult; ut than GMAT.

Now if we discuss in case of GMAT vs. GRE, both try to evaluate the verbal skill of aspirants. Both are same, but GRE is a little bit tougher because of the questions in GRE are on the advanced level.

Quantitative aptitude

 In the case of quantitive aptitude, GMAT has a little more edge in the battle of GMAT vs. GRE.  

Although both exams have easy subjects like data interpretation, equation solving, etc., in the case of GMAT the problems are higher.  GMAT  questions have more complex data and are more difficult in nature. Often the questions can be unusual

Writing

Both exams have analytical writing that is quite the same in nature. But in the case of GRE, it harder and longer. 

So, What should you choose? The answer lies within your career path direction. To become eligible for applying for GMAT, you need to be a graduate. While for GRE, it is for high school pass outs who want to get a global graduation degree. GMAT can be pursued after GRE. That means both exams are different in their direction, career choice, and importance.

What are the benefits of choosing the Kerala tour packages?


Nowadays you can visit any place under your budget with the tour packages. Kerala tour packages are the most wanted one and there is nothing can replace the worth of it. There are so many places are available in Kerala and surely it will help to refresh your mind. Some people are thinking that it will be more costly but it is not like that you will get it at an affordable price. 


Save more by choosing the tour package 

Once you realize the worth of it you will never choose another one. In a short time, it becomes the most wanted one because of its uniqueness. You can also compare the price of the normal visiting with the package visiting then only you will get the better idea about it. Still, it getting the positive rating and review in all the social media. 

You can blindly trust their service and they are always giving their best to everyone. Food and accommodations come under the single package and you no need to pay additionally for anything. Everyone must try me for getting the better experience from it and no one will disappoint about it. You can save more time and money by choosing it and it will never be the optional one to anyone. 

Stunning options and benefits 

There is no one can underestimate the worth of it because it is an amazing one forever. Still, you are not started to use it you are missing the great opportunity of visiting this place on your budget. It is the best way for surprise your lovable one and they will be happy about it. Likewise, there are so many benefits you will have by choosing it and it will be more supportive of everyone. 

If you are choosing the tour package regularly the packagers will provide an amazing offer to you. They are providing the special guide to everyone and the4y will take you to the most wanted place and explain about its history. Still, you are not started to choosing these packages you are missing the great opportunity for visiting this place at a low price. 

Suggest it to everyone 

If you need a break from the robotic life then this will be more supportive of your relaxation. You can also suggest it to who needs it and surely they will like it. These are all the benefits you will have by choosing it, so please don’t be late for getting it. Let start to use it and suggest it to all of your friends and neighbors. 

Worldwide there are so many people are coming for visiting this place and they are all fell in love with nature. There are so many people are giving their good feedback about this place. It will be the perfect one for the family trip. This is an amazing one to relax your mind. This will be the perfect one forever so try to get it soon.                                            

Milena Djankovic: Five ways to Teach a Toddler How to Share


The toddler years don't have to be a struggle for parents. According to mom-entrepreneur Milena Djankovic, moms and dads can already teach their toddlers how to share. Check out these five ways parents can show their little ones that sharing is caring.

 1. Tell them what's good about sharing. 

Communicating one's thoughts and experiences is an effective way to get a child's attention, according to Milena Djankovic

If parents want to impart why sharing is good, they can start by telling a story or recounting something that happened to them personally. During these formative years, kids absorb all the things they hear from the people they trust. If lending things or letting others enjoy something they own is as good as what mom or dad says, then it's worth a shot.  

 2. Set an example.

Milena Djankovic says that parents are the most reliable examples children have at this stage. During the toddler years, everything mom or dad does is right in their eyes. This is the perfect opportunity to ground values and good habits with kids. 

Generosity starts at home, according to Milena Djankovic. Letting the toddler have the last piece of cookie or letting their older siblings take turns playing with a toy is a great method that will encourage them to apply what they have learned.  


3. Practice taking turns.

 Milena Djankovic has witnessed that sharing their favorite thing or food can be tough at first for toddlers. 

The only way to ease them into this new habit is by practice. If they have older siblings, parents can try to let them borrow something for a few minutes and then letting the other use it again. Mom or dad can also do this. If they allow the child to have gadgets, they can borrow it for a few minutes with the promise that he or she will get to use it again after the agreed time. 

Milena Djankovic and her fellow parents agree that seeing this system implemented in the household will let little ones understand that this should be a normal thing.  

 4. Affirm their efforts.

 For some toddlers, even with all the stories and the practice, sharing can still be a challenge, especially since they are just realizing their ownership over some things. When they try to make an effort to share their food or let others play with their toy, parents must affirm their efforts. For Milena Djankovic, simply saying "Good job!" or "That was very nice of you" will let the child know that they're on the right track.  


 5. Understand if they're not ready to share.

With realizations of their own along with developing motor and communication skills, toddlers will take every chance to enjoy their capabilities. As a mom of two, Milena Djankovic has experienced that introducing values such as generosity might take time for these little ones. She encourages parents to keep leading by example until it becomes second nature for the child. But for kids who are not yet ready to share, parents should give their child more time to process until they decide to do it. If they're not yet ready, they shouldn't be punished. Instead, the toddlers should be motivated to do what's right for them to truly learn.  

 Milena Djankovic is the president and co-founder of RockerMama, a company that aims to come up with practical and affordable baby products for mothers all over the world. Milena obtained her political science degree with a concentration in communications and media from DePaul University.