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Insurance companies earned Rs 40,000 cr over five years in the PMFYB scheme.

The companies have paid claims of Rs 119,314 crores to farmers, the total premium of Rs 159.132 crore under PMFBY.
According to a news report, in the flagship central government plan, Pradhan Mantri Fasal Bima Yojana (PMFBY), insurance firms earned around 40 million from 2016-17 through 2021-22 on Saturday.
As per articles in the Situations of India report, Narendra Singh Tomar, the Union minister for agriculture, claimed that the companies had paid Rs 119,314 crores to farmers, which is against the total premium collection of 159,132 crores as part of the PMFBY.
The government needed to rope in the help of 18 general insurance companies to implement the program to provide financial assistance to farmers who suffer crop loss or damages resulting from natural catastrophes.
“Since the scheme’s inception until Kharif 2021-22 season, a total of Rs. 4,190 per hectare have been given for claims by farmers in this scheme,” Tomar said in his written answer to Rajya Sabha, accessed by the Times of India.
The program was released six years back and was updated in 2020, allowing the farmers to participate voluntarily. Also, it made it easier for the farmer to notify losses to crops in the first 72 hours after the incident -via an app called the Crop Insurance Application, CSC Centre or the closest agriculture officer with the benefits of a claim being electronically transferred into the accounts of eligible farmers.
Under PMFBY, farmers are required to contribute 2 percent of the total amount of insurance as their portion of the premium for Kharif crops, 1.5 percent for Rabi crops, and 5 percent for commercial and horticulture crops. If the actuarial rate is lower than the rate, the lesser of the two rates would be applied. The difference between the actuarial rate and the amount that farmers pay is the amount divided equally between the Centre and the states.
Integrating land record information to the PMFBY’s National Crop Insurance Portal (NCIP), Crop Insurance mobile application for simple enrollment of farmers, the remittance of premiums paid by farmers through NCIP, and a subsidy release module as well as the claim release module via NCIP are just a few of the major aspects of the program.
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8 Factors You However Require Organization Cards

Why use organization cards in that digital era? Everyone, from toddlers to grannies, appears to feature a digital device in their hands or pushed for their ears. Isn’t the traditional organization card unnecessary or at least conventional?
Effectively, no. Listed below are seven explanations of why you must still bother to get organization cards produced for the business and give them out.
Simplicity and Simplicity
You might mail the info to them, but that demands getting a person’s email and inputting it. How is that faster than handing someone a company card?
It’s correct that some digital products make it relatively easy to move information between them, but an average performance between compatible devices. The chances of your potential customers having precisely the same type of telephone are incredibly remote; creating organization cards is the better option.
Not Everyone Features a Smartphone
Surprising as it might sound, you will find still plenty of people who still do not own a smartphone (or at least don’t generally carry it around with them). Many people have pcs in their domiciles but do not utilize them on a typical basis. If you want to provide what to some of these people, organization cards can help.
Always Available
They’re always available because of useless areas or Net outages. You must use them at a distant fishing camp or an industry meeting in a mid-city hotel. You may also trade them in conditions where your cell phones need to be switched off, such as on airplanes or in hospitals. Keep a couple in your budget or purse, and you’ll have them when you need them.
Adding Legitimacy
People want to cope with companies that they think are trustworthy. When faced with companies that don’t have well-known names or firmly established reputations, they determine a company’s appearance (and what other people say about it). Having great organization cards is one way to cue people that you are operating an actual organization they can trust.
Advertising and Campaign
Demonstrably, you promote your business once you give out a company card. You’re hoping that the person you’re providing it to will use the info on the card to make contact with you. But why end there?
Turning your company card right into a brochure moves beyond providing contact information and telling potential clients or customers why they should also contact you. Bring it a step more and turn your company card right into a promotional item that will assist as a visible daily reminder of one’s business.
Culturally Ideal
The trade of organization cards is key to establishing organization associations in many countries. In Hong Kong, for instance, if you should be given a company card and don’t provide one, you can generally up close organization then and there.
In Japan, too, the quality and problem of your company card say much about how exactly you want to perform your self and business.
Marketing Software
Lots of organization network happens essentially these days. But, while the virtual or online network has widened organization people’s network groups, it has yet to supersede face-to-face networking. That in-person model has long been the tried-and-true process for creating organization associations, locating organization opportunities, and increasing sales. And organization cards play an essential role in these functions.
An Established Way to Grow
Why use organization cards? The conventional report rectangle is still the fastest and most straightforward way to fairly share organization contact information with different organization people and potential customers and clients. Even in that digital era, they’re still one of the greatest approaches to telling people about your small business and developing it.
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7 what to consider before buying a repaired deposit

7 what to consider before buying a repaired deposit Understand what you need to learn about investing in an FD and reap the advantages of a safe expense with fully guaranteed earnings!
A well-decided economic program entails investments that not only permit preserving money for hard times but also provide financial assistance in instances of disaster. Fixed remains are one such monetary instrument. A repaired deposit lets you avert dangers and program your finances with variable tenors. It can help you fulfill your long-term economic objectives due to its improved curiosity rates and confident returns.
Resources like the repaired deposit calculator assist you in estimating your earnings in advance and programming your tenor accordingly. Fixed Remains provides variable payouts that help you match your economic needs without the hassle.
7 Things to Contemplate Before Investing in a Fixed Deposit
Even though Fixed Remains are a safe kind of expense, there are a few things that you might want to consider when you invest in an FD:
Interest Prices
Fixed Deposit curiosity rates differ for every single economic institution. But many FDs provide repaired curiosity rates through the entire tenor of your expense aside from changes in the market. Furthermore, there’s usually yet another 0.5% hike in the curiosity rate in the event of senior citizens.
Standing of the Provider
Fixed Remains, though a protected kind of expense, only provide insurance for up to ₹1 Lakh beneath the Depositor Insurance Program. Thus, examining the provider’s standing when investing in an FD is necessary. CRISIL and ICRA are qualified credit ranking agencies that rate economic institutions and help investors decide which organization is trusted to spend in.
Type of Fixed Deposit
You can choose from a Cumulative Fixed Deposit or perhaps a Non-Cumulative Fixed Deposit. With a Cumulative FD, you can receive your curiosity rate payouts regularly, quarterly, half-yearly, or annually. Such an FD is recommended for pensioners and retired people who require regular payouts to meet their day-to-day economic needs. On the other hand, with a Non-Cumulative FD, you can reap the advantages of compounding since the gathered curiosity is reinvested with the initial deposit total every quarter. Such an FD is preferential to meet up your long-term economic goals.
Tenor
Fixed Deposit tenors range from no less than 7 days to an optimum of ten years. You can pick a short-term or long-term FD based on your monetary requirements. It is essential to decide on a tenor suitable to meet your economic obligations because an early withdrawal can result in a penalty.
Early Withdrawal
There may occur a requirement when you’d have to liquidate your FD for emergencies. Most banks levy a penalty on an early withdrawal. Ergo, you must choose a bank/NBFC with the best penalty charge to avoid paying a massive amount as a penalty. Early withdrawal charge is usually between 0.5% to 1%. You can find Banks that provide a zero penalty charge as well.
Loan Against Fixed Deposit
Instead of foreclosing your FD, you can opt for the provision of a loan against your repaired deposit in the event of emergencies. Financial institutions let loans of up to 90% of your deposit amount. A pursuit of 0.5% to 2% over the repaired curiosity rate will apply to the loan amount. The tenor of the loan will be limited by the maximum tenor of your Fixed Deposit.
Taxation
The earnings you make from your Fixed Deposit are subject to money tax. If your revenues surpass the limit of ₹40,000 per year, you will be liable to pay taxes according to your money tax slab. Banks must withhold tax before paying the earnings to the investor if the revenues surpass the ₹40,000 limits in a financial year. However, you can send forms 15 G/ 15 H and prevent tax deductions. You might like to invest in a tax-preserving FD for 5 years and avoid paying any taxes below Part 80C of the Revenue Duty Act.
Advantages and Shortcomings of Investing in a Fixed Deposit
When you do, it is critical to understand the advantages and disadvantages of investing in an FD.
Here’s a quick look into all you need to understand:
Conclusion
Before investing in it, one must generally perform an in-depth study of any expense avenue. It’s imperative to familiarise yourself with the aspects of the expense when you have the opportunity to do it. Fixed remains are a trusted expense that assists you in achieving a double purpose of obtaining wealth and meeting your short-term economic goals. Familiarity with the criteria for investing in an FD will allow you to make an informed choice and climb the hierarchy of wealth development without trouble.
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Desire Movie Trade – How to Buy and Sell Desiremovies

You’ve probably heard of Desire films; however, you’re probably thinking about how you can achieve success. This article will show you how to purchase and sell Desire film trades without worrying about being scammed or losing money. Here are some suggestions for starting: click here https://bit.ly/3CVRgFa
DesireMovies
Do you want to download films without paying for them? Desire film trade is the answer to your demands! If you’re looking to watch movies with the highest quality or stream pirated TV shows, You can find them on this site. You can select from various genres like Hollywood, Bollywood, and Telugu films. They are also downloadable in full HD and support all languages. If you plan to torrent files, it is recommended that you first sign up for a VPN. VPN to ensure you’re not exposed to unauthorized content.
Owners of Desire Movie Trade are anonymous. This helps to protect their identities from the general public. While other sites might charge to access their contents, this is free! You can download files in any format for no cost, including high-quality ones and smaller versions. It’s also free to join, so you should check it out! But, it is essential to remember that it’s not the only source for pirated films.
Although DesireMovies provides free content, it’s advertising-supported, and advertisements are the primary source of revenue. It could be challenging to locate download hyperlinks if you’re unaware of how ads function and work. Please make sure you go through the fine print before clicking on any of the advertisements and click on them since clicking could install malicious programs on your computer. If you’re unsure what to do with DesireMovies, Here’s how to be sure you don’t get scammed!
In addition to films, Desire Movie trade offers free web-based series. The site is well-known because of its Bollywood, South films, and pirates. It also lets you download Bengali, Bhojpuri, and South Indian movies. You can also get the HD version from Bollywood and South films. If you’re searching for a Bollywood film or a romantic comedy, this site offers it.
Desire Movies trade
Suppose you’re not willing to shell out money for films and want to enjoy them without cost by using the Desire films trade. The site has a massive collection of movies from different categories and languages. It also allows you to download shows free of charge without a subscription. The shows and films are available in high-definition quality. But, it is crucial to remember that downloading movies from torrent websites is not legal, and you should stay clear of this.
Apart from torrents, customers can also download new movies on Desire Movie Trade. While it is not legal for pirated media to be downloaded on this website, it provides quality movies at no cost. Furthermore, the website offers many formats for HD films. Moreover, the website provides quick downloads as well as regular updates. This site is excellent for those who love to watch films but do not want to pay for movie downloads.
Desire Movies is a good option if you’re searching for free films. In addition to movies, the site includes TV shows, cartoons, and web-based series. The site also provides Bollywood as well as other Indian films. It allows you to download films in various formats for playback on your mobile or computer. High-quality downloads guarantee the most enjoyable viewing experience. The website provides free movies with HD quality, so you don’t have to fret about losing quality or downloading the entire film.
While Desire Movie Trade is a somewhat old-fashioned site, it’s an excellent resource for watching movies from home. It is possible to access several domains through this site and stream multiple films simultaneously. This site can also download copies of pirated editions of Hollywood and Bollywood TV shows. There are thousands of movies to select from. However, it isn’t always easy to download a lot of films. If you’re a regular movie-watcher, it is worth a take a look.
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