No. 1/1/2013-IR
Government of India
Ministry of Personnel, Public Grievances & Pensions
Department of Personnel & Training
North Block, New Delhi
Dated: 22/04/2013
OFFICE MEMORANDUM
A Web Portal namely RTI Online with un https://rtionline.gov.in has been launched. This portal, developed by NIC, is a facility for the Indian Citizens to online file RTI applications and first appeals and also to make online payment of RTI fees. The prescribed fees can be paid through Internet banking of State Bank of India and its associate banks as well as by Credit/Debit cards of Visa/Master, through the payment gateway of SBI linked to this site.
2. At present, this facility is available only for Department of Personnel and Training (DoPT). It is planned to extend this facility to all the Ministries/Departments of Govt. of India within a month. This facility is presently not proposed to be extended for field offices/attached/subordinate offices.
3. This system would work as RTI MIS also. The details of RTI applications received through post should also be entered into this system. The system would also provide for online reply of RTI applications, though reply could be sent by regular post also.
4. It is requested that full co-operation may be extended for the successful implementation/roll out of this facility. First of all, it is necessary that the RTI Nodal Officers, officials of RTI Cell and all the CPIOs / FAAs of the Ministries/Department sare trained to use this facility. Arrangements have been made to provide training to the RTI Nodal Officers, RTI Cell officials and the NIC/1T personnel attached with the Ministries/Departments, by DoPT with the help of NIC, within next 2-3 weeks. The schedule for such training would be intimated to the RTI Nodal Officers directly. It is requested that training for all the CPIOs and FAAs may be organized by the concerned Ministry/Department, through these officers trained by DoPT / NIC5. The screen shot of the home page of the portal, the terms and conditions and
copy of the O.M.No.1/1/2013-IR dated 08.04.2013 issued in respect of DoPT are enclosed for information.
6. The contents of this 0M may be brought to the notice of all concerned.
sd/-
(Sandeep Jain)
Deputy Secretary
DIRECTORATE OF ESTATES ORDERS 2013 : INTRODUCTION OF ONLINE RESERVATION SYSTEM IN THE RESERVATION / ALLOTMENT OF CASUAL HOSTEL ACCOMMODATION IN THE CENTRAL GOVERNMENT TOURING OFFICER’S HOSTEL/HOLIDAY HOME / GUEST HOUSE AT DELHI.
No.2/5/Online - System/FCRH — 2013
Government of India
Ministry of Urban Development
Directorate of Estates
F-Block, C.R.Hostel
New Delhi, the 18.04.2013
Subject: Introduction of online reservation system in the reservation/allotment of casual hostel accommodation in the Central Government Touring Officer’s Hostel/Holiday Home/Guest House at Delhi.
With a view to provide for choices & convenience of the applicants for reservation of casual hostel accommodation in the Central Government Touring Officer’s Hostel/Holiday Home/Guest House at Delhi, it has been decided to introduce automated online reservation / allotment system w.e.f. 01/05/2013.
2. For this purpose only online applications will be accepted henceforth. Applicants will apply for reservation by filling up the required application form online. After completing the process online, the applicant will have to take a print out of his/her application and get it verified / forwarded from his/her office and send it along with payment (Demand Draft) & other allied details/documents ete.. to “Online Reservation Cell, F - Block, C.R.Hostel Kasturba Gandhi Marg, New Delhi - 110001" for confirmation of his/her booking request. On receipt of the filled up application with payment of room rent (Demand Draft), duly verified & forwarded by the controlling office of the applicant (in case of Retd. Government Officers attested copy of PPO), his/her booking request will be processed. Applicant can monitor the status of his/her booking request online through the website.
3. With effect from 16/04/2013 onward, only online applications for reservation of casual accommodation in the Central Government Touring Officer’s Hostel/Holiday Home/Guest House at Delhi will he accepted.
4. No manual application will he accepted from 16/04/2013 onwards for the reservation of casual accommodation in the Central Government Touring officer’s Hostel/Holiday Home/Guest House at Delhi seeking reservation for the period from 01/05/2013 onwards.
5. Manual applications received up to 15/04/2013 for the reservation of casual accommodation in the Central Government Touring Officer’s Hostel/Holiday Home/Guest House at Delhi seeking reservation for the period upto 30/04/2013 have been accepted and casual accommodation is reserved subject to availability.
6. Detailed procedure/guidelines as laid down in the OM dated 21/12/2013 and terms & conditions and other relevant information regarding reservation of Delhi central Government Touring officer’s Hostel/Holiday home/Guest House accommodation are available on the website of this Directorate i.e.www.estates.nic.in / Holiday Homes website and holidayhomes.nic.in shall be applicable.
7. This issues with the approval of Director of Estates.
sd/-
(DAYA NAND)
Deputy Director of Estates [O&M]
Five tips to ensure you buy the right insurance cover
Though saving tax is not the primary purpose of insurance, it is still bought for this benefit. Find out the questions you should ask in order to buy the appropriate cover.
1) Do you understand the plan?
Before you purchase an insurance plan, be very clear about the benefits it offers. Tax deduction under Section 80C should not be the only reason for buying it because you can achieve this through other tax-saving investments as well. Go for it only if you understand the features of the plan, including the tenure, payouts, premium amount and surrender rules, and how it fits in with your needs. Don't buy if the plan is too complicated for you.
Agents usually want to push you into buying the scheme at the first meeting. Take your time and compare the product with others in the market before buying it.
2) How much is the cover?
The premium paid for a life insurance policy is eligible for deduction under Section 80C and any income accruing from the scheme is tax-free under Section 10 (10D). However, last year's Budget altered the rules significantly.
To be eligible for these tax benefits, a life insurance policy must offer a cover of at least 10 times the annual premium. If the cover is not big enough, there will be no tax deduction under Section 80C and the maturity amount will also be taxable. There is no need to panic if your existing policy does not make the cut. This applies only to regular premium policies issued after 1 April 2012.
3) What is the tenure?
The tenure of the policy is almost as important as the cover. An insurance policy will not be able to generate meaningful returns if the tenure is less than 10 years. Even if the market does well, a Ulip will barely break even in 3-4 years.
In traditional policies, a 15-year term will hardly yield 4-5% returns. If you are looking for a higher return, buy for at least 20-25 years. This will also ensure that you have an insurance coverin your middle age, when the need for life cover is at its peak. However, keep in mind that traditional insurance plans don't give adequate cover. Ideally, one should have a cover that is at least 5-6 times one's annual income.
1) Do you understand the plan?
Before you purchase an insurance plan, be very clear about the benefits it offers. Tax deduction under Section 80C should not be the only reason for buying it because you can achieve this through other tax-saving investments as well. Go for it only if you understand the features of the plan, including the tenure, payouts, premium amount and surrender rules, and how it fits in with your needs. Don't buy if the plan is too complicated for you.
Agents usually want to push you into buying the scheme at the first meeting. Take your time and compare the product with others in the market before buying it.
2) How much is the cover?
The premium paid for a life insurance policy is eligible for deduction under Section 80C and any income accruing from the scheme is tax-free under Section 10 (10D). However, last year's Budget altered the rules significantly.
To be eligible for these tax benefits, a life insurance policy must offer a cover of at least 10 times the annual premium. If the cover is not big enough, there will be no tax deduction under Section 80C and the maturity amount will also be taxable. There is no need to panic if your existing policy does not make the cut. This applies only to regular premium policies issued after 1 April 2012.
3) What is the tenure?
The tenure of the policy is almost as important as the cover. An insurance policy will not be able to generate meaningful returns if the tenure is less than 10 years. Even if the market does well, a Ulip will barely break even in 3-4 years.
In traditional policies, a 15-year term will hardly yield 4-5% returns. If you are looking for a higher return, buy for at least 20-25 years. This will also ensure that you have an insurance coverin your middle age, when the need for life cover is at its peak. However, keep in mind that traditional insurance plans don't give adequate cover. Ideally, one should have a cover that is at least 5-6 times one's annual income.
4) What are the risks?
A Ulip is a market-linked instrument and the equity option carries the same risk as any equity mutual fund. Investing a large amount at one go through a Ulip is risky, especially if you are buying a single premium policy.
It is best to invest through monthly or quarterly premium options, but this option may not be open if you are planning to invest before 31 March. What you can do is put your money in the debt option instead of the equity fund. You can then shift small amounts to the equity option every month or so. Most insurance firms allow 10-12 switches free of charge in a year. This strategy of gradually shifting to equity can also be used if you already have a Ulip.
5) Do benefits match needs?
Insurance plans offer a wide range of benefits. Some give periodic payouts, others give a lump sum on maturity; some allow equity exposure, while others give a dual insurance cover. Not all benefits are suitable for all investors. For instance, a young person with a steady job and rising income will not benefit much from a money-back plan that gives periodic payouts.
A child plan will not be of much help if your son is already in his teens and you need money for his college education 4-5 years later. Similarly, a low-yield endowment plan that offers minimal cover may not suit a person who needs to insure himself for a sizeable amount.
A Ulip is a market-linked instrument and the equity option carries the same risk as any equity mutual fund. Investing a large amount at one go through a Ulip is risky, especially if you are buying a single premium policy.
It is best to invest through monthly or quarterly premium options, but this option may not be open if you are planning to invest before 31 March. What you can do is put your money in the debt option instead of the equity fund. You can then shift small amounts to the equity option every month or so. Most insurance firms allow 10-12 switches free of charge in a year. This strategy of gradually shifting to equity can also be used if you already have a Ulip.
5) Do benefits match needs?
Insurance plans offer a wide range of benefits. Some give periodic payouts, others give a lump sum on maturity; some allow equity exposure, while others give a dual insurance cover. Not all benefits are suitable for all investors. For instance, a young person with a steady job and rising income will not benefit much from a money-back plan that gives periodic payouts.
A child plan will not be of much help if your son is already in his teens and you need money for his college education 4-5 years later. Similarly, a low-yield endowment plan that offers minimal cover may not suit a person who needs to insure himself for a sizeable amount.
Source : http://economictimes.indiatimes.com
