Wednesday, December 4, 2013

Important Fact and news of RBI:

1.  RBI has launched a website explaining ways to detect counterfeit notes with a tagline 'Pehchano Paise Ki Boli, Kyunki Paisa
Bolta Hai'.
2.  R.B.I. directed Banks to follow Clean Note Policy.
3.  RBI started Plastic Money Project on Trial Basis in 5 cities of India with the denomination of 10 rupees and will continue with
other small denominations depending upon the success of these notes.
4.  The Union Government and RBI on 12 March 2013 decided to introduce one billion pieces of 10 Rupees bank notes made of
plastic on a field trial basis in five cities of Kochi, Mysore, Jaipur, Bhubhaneswar and Shimla.
5.  RBI guide lines for the clearance of all the cheques is 2 days.
6.  RBI hiked the investment limit in government securities by FIIs and long-term investors $25 billion from $20 billion and in
corporate bonds $50 billion from $45 billion.
7.  Under the  'Basic Savings Bank Deposit Account (BSBDA) scheme, any individual, including poor or those from weaker section
of the society, can open zero balance account in any bank (including foreign banks).
8.  RBI permitted the premature encashment of 8% savings (Taxable) Bonds for individual investors who are 60 years and above
in age.
9.  RBI issued norms for currency swap window for fresh foreign currency non-resident bank- FCNR(B) deposits mobilized for a minimum tenor of 3 years.
10.  RBI allowed the Non-Resident Investors including NRIs to buy Shares under FDI Scheme. Till now, the FIIs (Foreign Institutional Investor), QFIs (Qualified Foreign Investors) and NRIs were eligible to invest and acquire the shares on the recognized stock exchanges of India in compliance with the FEMA (Foreign Exchange Management Act) regulations. But the NRIs were not allowed to acquire shares on exchange
(bourses) under the FDI Scheme.
11.  The RBI said, min paid-up equity of 25 % should be held directly by the lender. Also, repayment of the principal will commence only after completion of minimum average maturity of 7 years and no prepayment will be allowed before maturity.
12.  RBI opens special dollar window for 3 oil marketing firms: the central bank has activated the forex swap window, whereby it will undertake sell/buy of dollar-rupee forex swaps for a fixed period with Indian Oil Corporation, Hindustan Petroleum and Bharat Petroleum through a designated bank.
13.  The RBI imposed restrictions on banks and NBFCs for providing loans against gold coins as well as units of gold ETFs and mutual funds to curb demands for gold. Also banks were asked to ensure that the amount of loan to any customer against gold ornaments, gold Jewellery and gold coins (weighing up to 50
grams) should be within the board approved limit.
14.  UAE Exchange, one of the largest foreign exchange firms in the United Arab Emirates, has applied to RBI for a banking license in India.
15.  The RBI has increased banks' cost of borrowing short term money through the Marginal Standing Facility (MSF) rate and
Bank Rate each by 200 basis points (2 per cent) to 10.25 per cent. The RBI has capped the amount banks can borrow from
overnight markets to Rs. 75,000 crore.
16.  The Reserve Bank opened a special borrowing window of Rs 25,000 crore to help the crisis-ridden mutual funds tide over
liquidity problems.
17.  Aditya Birla Group chairman Kumar Mangalam Birla has resigned from RBI board to avoid any conflict of interest as one of
his group firm is in the race for a new banking licence.
18.  In view of a series of chit fund frauds, RBI has decided to set up a separate forum for coordination and sharing information
to rein in such investment schemes.
19.  Reserve Bank will examine financials of 34,754 non-banking finance companies (NBFCs) to ascertain their eligibility. "The
main objective is to determine whether among these companies there are NBFCs that ought to have registered with the RBI
for carrying on their NBFI (non-banking financial institution) activities,".
20.  The RBI announced its decision to buy long-term government bonds worth Rs 80 billion (nearly $1.3bn) to pump more
liquidity into the country's banking system.
21.  Rajan announced an external committee, under the chairmanship of former Governor Bimal Jalan, to screen applicants for
new bank licences, from January next year.
22.  Karur Vysya Bank wins best banker award.
SOME IMPORTANT POINTS

 Name of the wife of the President of India is- Suvra Mukherjee
 President Pranab Mukherjee has authored the book - Beyond Survival
 Prior to being the President of India, Pranab Mukherjee was India‟s __________- Union
Minister of Finance
 Who is the current Union Minister of Finance? - P. Chidambaram
 Who is responsible for the fiscal policy of India? - Finance Minister
 Prime Minister Manmohan Singh is the __________ PM of India.- 13th

 Tehelka is a _______. – Magazine/ Website/ Tabloid
 Volocopter, the world‟s first green helicopter which is noiseless and emission free has been
tested in which country? – Germany
 Tessy Mohan is the Project Director of __________. – Agni IV
 Tessy Thomas was conferred ______________ for her outstanding contribution for making
India self-reliant in the field of missile technology. - Lal Bahadur Shastri National Award
 Full form of AMFI is ________. - Association of Mutual Funds in India
 What does M stand for in CAMELS ratings? – Management Quality
 Full form of CHOGM is ___________. - Commonwealth Heads of Government Meeting
 Expand CRISIL. - Credit Rating Information Services of India Limited
 Expand EGoM. - Empowered Group of Ministers
 The capital of Algeria is _________. – Algiers
 The currency of Libya - Dinar
 The capita of Burkina Faso is ________. Ouagadougou
 The currency of Nigeria - Naira
 The author of the book „God of Small Things‟ is – Arundhati Roy
 The author of „Five Point Someone‟- Chetan Bhagat
 The author of „Pride and Prejudice‟- Jane Austen
 The Author of the book „Joseph Anton‟- Salman Rushdie
 The author of the book „The Luminaries‟ is - Eleanor Catton
 Who is the winner of The Man Booker Prize 2013? - Eleanor Catton
 The author of the book „Bring Up the Bodies‟ – Hilary Mantel
 As per the RBI guidelines PSBs has to give loans to women SHGs at the interest rate of
______. – 7 per cent
 The GAAR rules will become applicable by which year? – 2016
 A type of risk related to the trustworthiness of business is called ________. – Reputational
Risk
 Whenever a bank gives out a loan in a fractional-reserve banking system, a new sum of
virtual money is created. This process is called _________. – Money Creation
 The Reserve Bank of India will launch Inflation indexed Bonds which will be indexed to – CPI
 C.N.R. Rao, who is to be conferred the prestigious Bharat Ratna Award, is a famous –
Scientist
 Who has been appointed as the CMD of Bharatiya Mahila Bank? - Usha
Ananthasubramanian
 How many major central banks of the world have made their network of currency swap facility
permanent? – Six
 Expand PACS. - Primary Agricultural Cooperative Societies
 Pin code given to Supreme Court is – 110 201
 Who is the Chairman of Insurance Regulatory and Development Authority? - T. S. Vijayan
 Which bank has, recently, launched a campaign named ‘Own Your NPA’? – IDBI Bank
 Expand P-Notes. – Participatory Notes
 Fitch has scaled down its projections on India‟s growth to _________ for the current fiscal. -
4.8%
 Which organization is responsible for introduction of KYC norms in India? – RBI
 AML-KYC day is observed in India on which day? - First working day of August each year
 CTS scheme was first implemented by RBI in which city? – New Delhi
 The deadline for implementing the CTS 2010 as given by RBI is - 31 December 2013
 The maximum amount per transaction in NEFT is limited to _________ for cash-based
remittances and remittances to Nepal. - Rs.50,000
 Expand CORE in Core Banking Solutions. - Centralized Online Real-time Environment
 Normal core banking functions will include _________________. - Deposit accounts,
Loans, Mortgages and Payments.
 Expand IFSC. - Indian Financial System Code
 What is the processing fee for the inward transactions in RTGS? – Free
 Whom should a person contact, in case of non-credit or delay in credit to the beneficiary
account under RTGS system? – Bank Branch (If the issue is not resolved satisfactorily,
complaint may be lodged to the Customer Service Department of RBI)
 Who is responsible for the fiscal policy of India? - Finance Minister
 Prime Minister Manmohan Singh is the __________ PM of India.- 13th

 Tehelka is a _______. – Magazine/ Website/ Tabloid
 Volocopter, the world‟s first green helicopter which is noiseless and emission free has been
tested in which country? – Germany
 Tessy Mohan is the Project Director of __________. – Agni IV
 Tessy Thomas was conferred ______________ for her outstanding contribution for making
India self-reliant in the field of missile technology. - Lal Bahadur Shastri National Award
 Full form of AMFI is ________. - Association of Mutual Funds in India
 What does M stand for in CAMELS ratings? – Management Quality
 Full form of CHOGM is ___________. - Commonwealth Heads of Government Meeting
 Expand CRISIL. - Credit Rating Information Services of India Limited
 Expand EGoM. - Empowered Group of Ministers
 The capital of Algeria is _________. – Algiers
 The currency of Libya - Dinar
 The capita of Burkina Faso is ________. Ouagadougou
 The currency of Nigeria - Naira
 The author of the book „God of Small Things‟ is – Arundhati Roy
 The author of „Five Point Someone‟- Chetan Bhagat
 The author of „Pride and Prejudice‟- Jane Austen
 The Author of the book „Joseph Anton‟- Salman Rushdie
 The author of the book „The Luminaries‟ is - Eleanor Catton
 Who is the winner of The Man Booker Prize 2013? - Eleanor Catton
 The author of the book „Bring Up the Bodies‟ – Hilary Mantel
 As per the RBI guidelines PSBs has to give loans to women SHGs at the interest rate of
______. – 7 per cent
 The GAAR rules will become applicable by which year? – 2016
 A type of risk related to the trustworthiness of business is called ________. – Reputational
Risk
 Whenever a bank gives out a loan in a fractional-reserve banking system, a new sum of
virtual money is created. This process is called _________. – Money Creation
 The Reserve Bank of India will launch Inflation indexed Bonds which will be indexed to – CPI
 C.N.R. Rao, who is to be conferred the prestigious Bharat Ratna Award, is a famous –
Scientist
 Who has been appointed as the CMD of Bharatiya Mahila Bank? - Usha
Ananthasubramanian
 How many major central banks of the world have made their network of currency swap facility
permanent? – Six
 Expand PACS. - Primary Agricultural Cooperative Societies
 Pin code given to Supreme Court is – 110 201
 Who is the Chairman of Insurance Regulatory and Development Authority? - T. S. Vijayan
 Which bank has, recently, launched a campaign named ‘Own Your NPA’? – IDBI Bank
 Expand P-Notes. – Participatory Notes
 Fitch has scaled down its projections on India‟s growth to _________ for the current fiscal. -
4.8%
 Which organization is responsible for introduction of KYC norms in India? – RBI
 AML-KYC day is observed in India on which day? - First working day of August each year
 CTS scheme was first implemented by RBI in which city? – New Delhi
 The deadline for implementing the CTS 2010 as given by RBI is - 31 December 2013
 The maximum amount per transaction in NEFT is limited to _________ for cash-based
remittances and remittances to Nepal. - Rs.50,000
 Expand CORE in Core Banking Solutions. - Centralized Online Real-time Environment
 Normal core banking functions will include _________________. - Deposit accounts,
Loans, Mortgages and Payments.
 Expand IFSC. - Indian Financial System Code
 What is the processing fee for the inward transactions in RTGS? – Free
 Whom should a person contact, in case of non-credit or delay in credit to the beneficiary
account under RTGS system? – Bank Branch (If the issue is not resolved satisfactorily,
complaint may be lodged to the Customer Service Department of RBI)
Some expected Questions & Topics for IBPS Clerk-3 BANKING TERMS



IFSC
* The full form of IFSC is – Indian Financial System Code
* How many digits are contained in IFSC – 11
* The first four characters represent the – bank code
* The 5th character of a IFSC code is - zero
 The last 6 characters represent the – bank branch code
 The IFSC code facilitates - uniquely identifies a bank-branch participating in the NEFT system
https://www.facebook.com/Emahendras
KYC
 The full form of KYC is – Know Your Customer
 KYC was introduced by – RBI
 RBI introduced KYC guidelines for all banks in the year - 2002
 The components of KYC – Identity proof , address proof , photographs
 The objective of KYC guidelines is – to prevent banks from criminal money laundering
activities
 KYC day is celebrated on – First working day of august every year
NEFT
 The full form of NEFT is – National Electronic Fund Transfer
 The minimum limit that could be transferred using NEFT – No Limit
 The maximum limit that could be transferred using NEFT – No Limit
 Can remittances be sent abroad using NEFT- No(except Nepal under the Indo-Nepal
Remittance Facility Scheme)
 Can NEFT be used to transfer funds from / to NRE and NRO accounts-Yes
 Maximum amount per transaction for cash-based remittances to Nepal is limited to -
Rs.50,000/-
KISAN CREDIT CARD
 The full form of KCC – Kisan Credit Card
 KCC scheme was intoduced by – GOI , RBI , NABARD
 KCC scheme was introduced in the year – 1998
 The objective of KCC is – to fulfill the credit needs of farmers during cropping season through
banking system.
BSBDA
 The full form of BSBDA is – Basic Saving Bank Deposit Account
 The BSBDA scheme is launched by – RBI
 Who can open BSBDA - Any individual, including poor or those from weaker section of the
society
 BSBDA guidelines are applicable to -all scheduled commercial banks in India including
foreign banks having branches in India.
 As per guidelines issued on 22 august 2012 by RBI, all the existing No-frill accounts opened
by the banks are now converted into – BSBDA
 What is the initial minimum deposit required while opening a Basic saving bank deposit
accounts – Zero Balance
 Join us on- https://www.facebook.com/Emahendras
 How many 'Basic Savings Bank Deposit Account' can an individual have in one bank – Only
one
 Whether there are any restrictions like age, income, amount etc criteria for opening BSBDA
by banks - No
 The BSBDA helps in promoting – Financial Inclusion
BASE RATE
 What is base rate ? – The minimum interest rate of a bank below which it cannot lend to
public
 The BPLR(Benchmark prime lending rate)was introduced in the year - 2003
 The BPLR was converted into base rate on – july 2010
 RBI made mandatory for all banks to introduced w.e.f. – 1
stJuly 2010
 The minimum base rate is fixed by – RBI
SAVING ACCOUNT
 Saving Deposit Accounts are part of – Demand deposits of banks
 The objective of saving account is – to encourage small savings done by people
 The current interest rate on saving account as per RBI is – 4 %
 The minimum interest rate in saving deposit account is fixed by – RBI


PUBLIC SECTOR BANKS
 The majority stake in a public sector bank is held by – Government of India(i.e.more than
50%)
 How many public sector banks are operating within INDIA ? – 27 (BMB recently added)
 Among the public sector banks ,the number of nationalised banks are – 19
 The name of the newly established public sector bank – Bhartiya Mahila Bank
 The headquarter of BMB is located in – New Delhi
 The newly elected chairman of BMB is – Usha Ananthasubramanian
 BMB is started with the initial minimum capital of – Rs.1000 crore
 1
st
 woman chairperson of SBI – Arundhati Bhattacharya
OLYMPIC 2012
 The summer Olympics 2012 was held in – London,UK
 The mascot of London Olympics 2012 - Wenlock
 India won how many medals in 2012 summer Olympics – 6
 How many silver medals won by India in summer Olympics 2012 - 2
 How many bronze medals won by India in summer Olympics 2012 – 4
 Who won maximum number of medals in summer Olympics 2012 – USA(46g,29s,29b=104)
 The rank of India in summer Olympics 2012 – 55
 Who won silver medal in shooting – Vijay Kumar
 Who won silver medal in wrestling – Sushil Kumar
 Who won bronze in shooting – Gagan Narang
 Yogeshwar Dutt won bronze in summer olympics2012.He is related to -wrestling
 Who won bronze in boxing – Mary Kom
 Who won bronze in badminton – Saina Nehwal
 Who was the flag bearer from India in the opening of summer Olympics 2012 ? – Sushil
Kumar
 Join us on- https://www.facebook.com/Emahendras
 Who was the flag bearer from India in the closing of summer Olympics 2012? – Mary Kom
ELECTRIC DATA CAPTURE MACHINE(EDC)
 The full form of EDC – Electric Data Capture
 EDS is a computerized system designed for - collection of clinical data in electronic format

IFSC
 The full form of IFSC is – Indian Financial System Code
 How many digits are contained in IFSC – 11
 The first four characters represent the – bank code
 The 5th
 character of a IFSC code is - zero
 The last 6 characters represent the – bank branch code
 The IFSC code facilitates - uniquely identifies a bank-branch participating in the NEFT system
https://www.facebook.com/Emahendras
KYC
 The full form of KYC is – Know Your Customer
 KYC was introduced by – RBI
 RBI introduced KYC guidelines for all banks in the year - 2002
 The components of KYC – Identity proof , address proof , photographs
 The objective of KYC guidelines is – to prevent banks from criminal money laundering
activities
 KYC day is celebrated on – First working day of august every year
NEFT
 The full form of NEFT is – National Electronic Fund Transfer
 The minimum limit that could be transferred using NEFT – No Limit
 The maximum limit that could be transferred using NEFT – No Limit
 Can remittances be sent abroad using NEFT- No(except Nepal under the Indo-Nepal
Remittance Facility Scheme)
 Can NEFT be used to transfer funds from / to NRE and NRO accounts-Yes
 Maximum amount per transaction for cash-based remittances to Nepal is limited to -
Rs.50,000/-
KISAN CREDIT CARD
 The full form of KCC – Kisan Credit Card
 KCC scheme was intoduced by – GOI , RBI , NABARD
 KCC scheme was introduced in the year – 1998
 The objective of KCC is – to fulfill the credit needs of farmers during cropping season through
banking system.
BSBDA
 The full form of BSBDA is – Basic Saving Bank Deposit Account
 The BSBDA scheme is launched by – RBI
 Who can open BSBDA - Any individual, including poor or those from weaker section of the
society
 BSBDA guidelines are applicable to -all scheduled commercial banks in India including
foreign banks having branches in India.
 As per guidelines issued on 22 august 2012 by RBI, all the existing No-frill accounts opened
by the banks are now converted into – BSBDA
 What is the initial minimum deposit required while opening a Basic saving bank deposit
accounts – Zero Balance
 Join us on- https://www.facebook.com/Emahendras
 How many 'Basic Savings Bank Deposit Account' can an individual have in one bank – Only
one
 Whether there are any restrictions like age, income, amount etc criteria for opening BSBDA
by banks - No
 The BSBDA helps in promoting – Financial Inclusion
BASE RATE
 What is base rate ? – The minimum interest rate of a bank below which it cannot lend to
public
 The BPLR(Benchmark prime lending rate)was introduced in the year - 2003
 The BPLR was converted into base rate on – july 2010
 RBI made mandatory for all banks to introduced w.e.f. – 1
stJuly 2010
 The minimum base rate is fixed by – RBI
SAVING ACCOUNT
 Saving Deposit Accounts are part of – Demand deposits of banks
 The objective of saving account is – to encourage small savings done by people
 The current interest rate on saving account as per RBI is – 4 %
 The minimum interest rate in saving deposit account is fixed by – RBI


PUBLIC SECTOR BANKS
 The majority stake in a public sector bank is held by – Government of India(i.e.more than
50%)
 How many public sector banks are operating within INDIA ? – 27 (BMB recently added)
 Among the public sector banks ,the number of nationalised banks are – 19
 The name of the newly established public sector bank – Bhartiya Mahila Bank
 The headquarter of BMB is located in – New Delhi
 The newly elected chairman of BMB is – Usha Ananthasubramanian
 BMB is started with the initial minimum capital of – Rs.1000 crore
 1st woman chairperson of SBI – Arundhati Bhattacharya
OLYMPIC 2012
 The summer Olympics 2012 was held in – London,UK
 The mascot of London Olympics 2012 - Wenlock
 India won how many medals in 2012 summer Olympics – 6
 How many silver medals won by India in summer Olympics 2012 - 2
 How many bronze medals won by India in summer Olympics 2012 – 4
 Who won maximum number of medals in summer Olympics 2012 – USA(46g,29s,29b=104)
 The rank of India in summer Olympics 2012 – 55
 Who won silver medal in shooting – Vijay Kumar
 Who won silver medal in wrestling – Sushil Kumar
 Who won bronze in shooting – Gagan Narang
 Yogeshwar Dutt won bronze in summer olympics2012.He is related to -wrestling
 Who won bronze in boxing – Mary Kom
 Who won bronze in badminton – Saina Nehwal
 Who was the flag bearer from India in the opening of summer Olympics 2012 ? – Sushil
Kumar
 Who was the flag bearer from India in the closing of summer Olympics 2012? – Mary Kom
ELECTRIC DATA CAPTURE MACHINE(EDC)
 The full form of EDC – Electric Data Capture
 EDS is a computerized system designed for - collection of clinical data in electronic format

GK with Answers FOR IBPS CLK

***Important GK with Answers FOR IBPS CLK***
....................................................
Q-1.: Name the player of USA who created history by grabbing his 22nd Olympic medal?
Ans: Michael Phelps (retires, won 18 gold medals in total).
Q-2.: Which company name is based on river name?
Ans: Nokia
Q-3.: How many medals are won by India in Olympics 2012?
Ans : 6 medals, 4 bronze and 2 silver
Q-4.: Who is the first Indian male shuttler to reach Olympic quarters?
Ans: Parupalli Kashyap.
Q-5.: Which famous explorer visited India in the late 13th century?
Ans : Marco Polo
Q-6.: Name the Indian who won Magsaysay award for community initiatives in Tamil Nadu?
Ans: Kulandei Francis
Q-7.: Where is a tunnel near the Indo-Pak border detected?
Ans: In Samba.
Q-8.: Compound and Recurve are the types of equipment associated with which sports?
Ans: Archery
Q-9.: Bleaching Powder is prepared by passing chlorine through
Ans: Quicklime
Q-10.: The Election commission of India situated in _______?
Ans: New Delhi

Thursday, April 4, 2013

Samsung Galaxy S4


Samsung Galaxy S4 an evolution of S III, not revolution?

NEW YORK: Samsung unveiled a slim, feature-rich Galaxy S4 as its new champion to take on Apple in the fiercely competitive smartphone arena.

While some industry analysts gave a thumbs up to the new phone and the plethora of features it boasts of, others refrained from terming it as a path-breaking product. Comparing it to Samsung Galaxy S3, technology analyst Jeff Kagan said, "The Samsung Galaxy S4 is very good, but looks like an evolution to the S3, not a revolution."

"It is now clearly Samsung's flagship device; jam-packed with technology," said Gartner analyst Michael Gartenberg. He also added, "the question is how many of these features will resonate with consumers."

Samsung played up its online hub for music, books, and video and the ease with which the S4 can share video with televisions made by the company.

"At this point, smartphones are all about software and ecosystems; showing up with compelling hardware is the expected starting point," Gartenberg said.

"This is about a Samsung ecosystem that happens to be built on Android."

S4 features include a high-definition, five-inch (12.7-centimeter) screen, enhanced picture-taking capabilities and the capacity to translate to and from nine languages.

"For each of us, life is a journey," said Samsung mobile communications division head JK Shin. "What we want is a device that can join us on that journey; a companion that helps us experience life in the fullest."

Samsung has become the top smartphone maker worldwide with a 29 per cent market share, according to IDC, while in the US market Apple remains the king and sells more than one of every three mobile phones.

Tuesday, April 2, 2013

PLAY PC GAMES IN WINDOW MODE


D3DWindower, originally the DXWnd alternative native to Japan, has been translated to the English language. It differs very sparingly from DXWnd, and I only recommend trying D3DWindower if DXWnd didn’t work for you.
windowed directx
The process is really the exact same. You’ll want to click the plus sign, which will bring up a prompt to browse for the EXE you want to emulate through D3DWindower. Navigate to it, select it, and it’ll be added to the list. From there, just select the application in the window and hit the start button.
The settings in D3DWinodwer are a little deeper than DXWnd, but you won’t need to bother with most of them.
directx applications
The translations aren’t perfect in this program, but there’s enough English so that you’ll be able to navigate around without going crazy.
Know of a tool that will allow us to run OpenGL applications as windowed? Share that with us in the comments! If you need any assistance with these two programs or have anything else to ask or contribute, drop me a comment below and I’ll be sure to get back to you.

Saturday, February 16, 2013

Here is the Best and Easy way to make Money Online and through your phone



Well, All you have been to a lot of Google searches on how to make money online, this is probably an end to your all searches and it is the time to get on to the work. This is my best experience ever in online business that I was interested to. Though the business plan which I am going to propose you brings in benefits with lesser counts, this really is most helpful for Indian middle class student for at least his pocket money. This plan may seem like other typical "Binary Tree" schemes but is more easy to implement and faster way to grow up your income.


Yes, I am talking about TATA DOCOMO Apex Telecom -- The World of Opportunities(as I later understood it...!)
I said the scheme is Easy and Faster because our investment will only be Rs 300<<which is 1/4th of our normal bills in Domino's!!! :)>>.


BENEFITS:THE  APEX WAY

 1. You will be joining Apex Family by paying Rs 300, and will be receiving a Mobile Network Booster for free.
2. As you have Right Leg and Left Leg, here also you have the same each one at your left and right.
3. The actual work you need to do is to join the members at your left and right.
4.Ratio will be Left:Right, For first 2:1 or 1:2 ratio you will be receiving Rs 100 and for each of subsequent 1:1 ratio, you will be receiving Rs 100.
you can earn money rs 100 if the pairs done by ur friends under ur downline 

5.The maximum amount of money you can earn per day is Rs 500.
6. So for a monthly basis you are earning 500*30=15,000 at most(which I believe is enough as pocket money for a student life..) 
7.Including the date of your joining, you will have to join one left and one right within 7 days to maintain your daily ceiling pair to 5, otherwise it will fall back to 2. This means that if you don't join two members within the first week, the maximum amount of money you can earn per day will be Rs 200 and on a monthly basis it will be200*30=6,000
8.The payment is made online (NEFT-National Electronic Fund Transfer) directly to your bank account on each Monday.


HOW TO JOIN
1. The process of joining is practically easy and is not so complex as it is literally explained.
2. Apex has its bank Account in different(SBI,AXIS,HDFC,ICICI) banks.Click here to see Apex Bank Account Details
3.Deposit Rs 300 from your nearest bank to Apex Telecom
4.After deposit completed inform your transaction to Apex office to this no - 08885009989.
And also send a mail from your mail id to - info@apextelecom.net.
Then they will send a PIN number to your mail id. Enter the PIN in the joining application form.
5.One Phone Number is necessary for each Joining.
7. Enter your Phone Number, Name, Address,Email, Bank Account Number and IFSC code of your bank(This is must for NEFT to occur). Google search for IFSC CODE OF YOUR BANK ORCLICK HERE FOR IFSC CODE OF YOUR BANK
8. Placement-Left and Enter the PIN that you have got from the Apex
9.You will receive a password to your Registered Phone Number
10. Go to apextelecom.net and log in to your account with your phone number as the user name and given password. Change your password instantly(Profile-->Change Password)
11.You need a transaction password for all your transactions so please (Wallet-->Transaction Password) to generate your instant transaction password through sms or email.
12. Change your transaction password(Profile-->Change Transaction Password).


TO JOIN OTHERS  
To grow up your tree in a faster rate and to provide a comfort for all those who wish to join, you can purchase the pins by depositing money into Apex bank Account and use those PINS to join new members(as I regularly do it).
PIN PURCHASE:  
 1.By now, you might have figured out that each PIN cost you Rs 300 and to purchase a bunch of pins, decide the number of PINS you need and deposit an amount=number of PINS X 300 to apex bank account as mentioned above(You explicitly do not have to go to the bank each time, you may use online Banking or Mobile banking for Fund transfer purpose.)
2.Login to your Account Go to My Bank-->Payment Information-->check I agree to the above terms-->Submit. 
3. You will be asked to fill the details like, how much money you deposited, which bank, mode of payment(cash/cheque/online/NEFT),IFSC code of the bank in which you deposited the money,Approximate timings and in remarks your phone number. You also have the option to upload your bank receipt to make the transaction faster. 

4.Upon submitting, your money will be credited to My Bank into your account while you receive a sms regarding the same.
5.Go to My bank-->PINS Purchase-->select the number of pins you want and you will have your pins received into your My Pins.
6.To join others, go to apextelecom.net , enter the phone number and click Join Now, fill all the details in the application form, decide placement and type the ACTIVE PIN.
7.You successfully referred a person.       



About Apex Telecom
1.Apex Telecom is a part of Apex Group. Apex Group is one of India’s prominent business houses established in the year 2004 with a diverse portfolio of assets in software development, business solutions, online gaming, investigations, technology-enabled services, infrastructure development, water treatment and online-education.

2.In the business solutions division, Apex has given business and software solutions to more than 800 companies across India. In the process, it has developed contacts of more than 5 million hard core marketing persons. These marketing persons are geared to sell anything and everything with their contacts.

3. The business solution developed by Apex is unique and resembles self employment generation to the subscribers and consumers of the respective companies. Till now Apex has been a back bone to several companies, who sell Insurance, consumer durables, real estate, financial products, etc. The solution is so powerful, that a single entity sells more than 1000 insurance policies per day.

Something More 

If you still want to earn like 20,000 or More, Apex has introduced many more plans, a PDF of which you can DOWNLOAD HERE


for more details contact me at pradeep.pattepuram@gmail.com