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Saturday, 30 April 2022

Google docs App review


Google docs App review


Edit documents on the go.

Create, edit, and collaborate with others on documents from your Android phone or tablet with the Google Docs app. With Docs you can:

- Create new documents or edit existing files

- Share documents and collaborate in the same document at the same time.

- Work anywhere, anytime - even offline

- Add and respond to comments.

- Never worry about losing your work – everything is saved automatically as you type.

- Search the web and your files in Drive, right from Docs

- Open, edit, and save Word documents and PDFs.

મહત્વપૂર્ણ લિંક બદલી કેમ્પ અંગે શિક્ષણમંત્રી શ્રીનું નિવેદન

 page 1 || page 2 || page 3 || page 4

Google Docs is part of Google Workspace: where teams of any size can chat, create, and collaborate.

એપ ડાઉનલોડ અહીંથી કરો

લાયસન્સ વગર વાહન ચલાવતા હોય તેમના માટે અહીંથી વાંચો

Working in a single document with teammates or people outside your company. See edits as others type, communicate through built-in chat, and leave feedback through comments and suggestions

- Importing your documents to make them instantly editable, including Microsoft® Word and PDF files. Export your work in .docx, .pdf, .odt, .rtf, .txt or .html format

Unlimited version history. Track changes made to your documents and undo anything you choose.

- Working across devices, with or without Internet

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Practise having an English conversation to improve your English


  • Do you need to practise your English more?
  • Do you want to practise having conversations?
  • Do you have a hard time finding someone to practise English with?hiii



Then this app is perfect for you.  We provide hundreds of lessons designed to give you great English conversation practise.

In order to improve your English conversation, you need to improve your listening, understanding, and speaking.  With the great features we added, you will definitely improve your English conversation skills.

Why ConveGenius?

PRACTICE, WATCH, LEARN

ConveGenius's AI-based chatbot provides weekly quizzes for you based on your very own classroom schedule! We have partnered with your State to provide you with highly relevant quizzes and remedial videos.

LEARN IN YOUR LANGUAGE








ConveGenius talks to you in your languages like a teacher, parent, or friend.

LEARN AT YOUR PACE

ConveGenius sends you 3 quizzes weekly so that you have the time and energy to learn at your own pace without being overwhelmed.

We have over 200 English conversation lessons, which includes the following:

- Listening exercises to improve your listening

- Quizzes to help you understand

- Conversation practise feature to improve your speaking

Conversation recording tool to track your progress





This is the best app to practise your English conversation.  Try for yourself and start improving today!

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Friday, 29 April 2022

BLOG NEWS REPORT USEFUL FOR ALL.


BLOG NEWS REPORT USEFUL FOR ALL.

Test is taken in all primary schools of Gujarat. It is given every time in the test.Request to all primary school teachers of Gujarat or visit daily blogs regarding primary school teachers in which circular news unit test tests are placed on each item daily.Official Video determines why it is now mandatory to receive a letter so all friends will be informedVisit this blog for all the information about primary school exam papers, newsletters artist results, results leaflets, monthly leaflets, payroll etc.Request for any information regarding primary education from any block of Arvind parmar at any timeDesigned specifically for primary school teachers, named Arvind parmar, inform people of all such friends every day. Every primary teacher should be aware of this.A request to all 33 district teachers of Gujarat that is working in every subject in grades 1 to 8 in primary school will get all the literature from prakash solanki blog.Visit PRAKASH's's blog to get materials related to elementary school Gujarati Mathematics Science Social Science Sanskrit Hindi English for all subject 6 and 7Primary School Gujarati Hindi English Sanskrit Mathematics Social Science Science and Technology Materials of all subject 

material can be found from this blogIf you are a primary teacher and have liked this blog information, you will know all your primary teacher friendsAll material and all the information about pragna abhigam running in grades 1 and 2 in primary school will be available from this blog.

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Download Duolingo Android App For For Learn Spoken English and 30 Languages


Download Duolingo Android App For For Learn 30 Languages







Learn Spoken English and 30 other languages for free

Learn English with fun mini-lessons that feel like games! Use the free app every day to quickly improve your spoken English. 

With Duolingo, you’ll improve your English — and have fun. Short lessons help you practice speaking, reading, listening, and writing to improve your vocabulary and pronunciation of English. Start with basic phrases and sentences, and learn new words daily. 




Duolingo is changing the way people learn languages around the world.





★ It's free, for real.

★ It's fun! Advance by completing bite-sized lessons, and track your progress with shiny achievements.

★ It's effective. 34 hours of Duolingo are equivalent to a semester of university-level education.



★ Learn English, Chinese, Japanese, Korean, Spanish, French, German, Italian, Russian, Portuguese, Turkish, and many more languages, free!


DOWNLOAD DUOLINGO ANDROID APP FROM HERE.

જાણો શું છે છેલ્લા 24 કલાકની સ્થિતિ

૧ જૂલાઈથી થનારા ફેરફાર વિશે અહીંથી જાણો




અહીંથી જુઓ પાવાગઢ મંદિર નો ડ્રોન શૂટિંગ વિડિયો


Detail ન્યુઝ રીપોર્ટ ગુજરાતીમાં વાંચવા માટે

Download Duolingo and find out why The Wall Street Journal calls it "The best free language learning app."

Read More »

Thursday, 28 April 2022

Get your CIBIL & Experian credit score, reports & insights regularly on OneScore


Get your CIBIL & Experian credit score, reports & insights regularly on OneScore

OneScore is the best app to check your  credit score & understand your credit report. 

Now check & track your CIBIL score along with your Experian credit score with OneScore. Download the latest version of OneScore to check your CIBIL score now!

Everyone with a loan or credit card has a credit score, & staying up to date on yours is crucial. Your credit score affects your major purchases - your car, your house, & even paying for your education. It makes sense to not only track your credit score but also take the necessary steps to improve it.

OneScore helps you understand your credit score for free & monitor it regularly. We give you insights on what makes up your score & alert you when something changes in your report. Using OneScore does not hurt your score (but not using it may!).

We understand that your credit score is a key piece of personal information. Don’t worry, unlike other apps that spam you with loan offers, we do not use this information for sourcing loans for financial institutions. None of your information is shared with any third parties or institutions.



Inconsistent email ids across accounts? Using too much of your credit card limits? Someone enquiring in the Bureau on your behalf? We will highlight all small & large aspects of your score to help you decide if you wish to act upon or change them to improve your score.

There are 4 credit bureaus in India -  Experian, Equifax & CRIF High Mark. OneScore shows your CIBIL credit score & Experian credit score & helps you keep track of both of them individually.

Key Features

 Credit Report: Track your score on the go & understand the factors that impact your score. Your score will be updated every month.

Now OneScore shows your CIBIL score along with Experian score.

Credit Score Insights: OneScore will analyze & highlight any aspects that need your attention.

🗒️Credit Score Planner: Use our planner to get useful insights on how to improve your score.

🛡️Safe & Secure: Totally Safe & Secure. None of your information is shared with any third party or institution.

Credit Score(क्रेडिट स्कोर) Basics

◼ Credit score is calculated based on the data that is provided by the lending institutions to the bureaus. 

◼ A credit score indicates your creditworthiness to potential lenders such as banks & mortgage lenders. It indicates how responsible you are likely to be in paying off your balances. 

◼ Credit is scored on a scale that ranges from 300 to 900. The higher the number, the better off you are. Get started on your credit journey here!

Lic IPO વિશે ના સમાચાર અહીંથી જાણો

◼ Keeping a good credit score is beneficial while applying for a job. Employers check credit scores to check how responsible the candidate is before hiring.




Who can enroll on OneScore?

Anybody with a loan or credit card can get OneScore & check their credit score. You need to be over the age of 18 with a valid PAN card number that can be matched to a credit profile from the Experian credit bureau. 

What info do I need to have handy when I sign up?

To sign up, we'll ask you for some basic personal information such as your mobile number, email ID & name. Next, we will authenticate you with a One Time Password (OTP) sent to your registered mobile number. In case we are not able to find your credit report, we may ask you for some additional information such as your PAN Number, Date of Birth.

Will using OneScore hurt my credit score?

It won’t. You can use all OneScore features without affecting your credit score.

Proudly Made with  in India.

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Wednesday, 27 April 2022

Gift Birthday wishes from Bollywood actors and actresses.

Gift Birthday wishes from Bollywood actors and actresses.


Happy Birthday Wishes for everyone you love! 🎁🎁





Best birthday gift for friends
Best birthday wishes for best friend
Best birthday wishes for brother
Best birthday wishes for sister
Best birthday wishes for husband


👉Imagine how great it would be to get a birthday wishes video from bollywood actors like Ranveer Singh, Kareena Kapoor, Tiger Shroff, Jacqueline Fernandez, Ananya Panday & Janhvi Kapoor!




TrueFan video message is definitely one of the best online customised gifts in India. Recorded by Bollywood actors, these video messages are personalised according to the request sent by a user. 

💝TrueFan gives you the most amazing chance to win a personalized Video Message from your favourite Bollywood actress or actor. 


A birthday wishes video message is apt for anyone looking for a new and unique way of gifting. For any Bollywood movie fan, a happy birthday video message from their favourite Bollywood actor or Bollywood actress would be a dream come true. A birthday wishes video is an approximate 30-second long video personalized for a fan.

👉Stop looking for the best birthday wish ideas! TrueFan with bollywood stars provide a different and a new birthday gifting idea. Now make birthday wishes extra special with bollywood celebrity video messages. India is moving towards celebrity birthday gifts, don’t be left behind!

👉How to win and gift a Video Message from Bollywood actors and actresses?

⬇️ Download the TrueFan App

📱 Play a Bollywood Movie Quiz
🏆 Win a Video Message
🎁Gift a friend
🧔Best gift for boyfriend
👧Best gift for girlfriend
👩‍🦱Best gift for mothers
👨Best gift for fathers
👦Best gift for brothers
👧Best gift for sisters

⚡Get your Video Message delivered super-fast!
Get a birthday wish or surprise your family with a really special gift from the stunning bollywood actress Kareena Kapoor and Ananya Panday. You can win a Video Message from the incredible bollywood actresses Janhvi Kapoor & Jacqueline Fernandez. Want motivational tips from bollywood hunks Ranveer Singh or Tiger Shroff? India’s hottest Bollywood stars are on the TrueFan App waiting for you!

Now express your feelings with the perfect gift - Video Messages recorded by bollywood stars!
🥀 Flowers & 🍫Chocolates are temporary but a TrueFan Video Message from a bollywood Superstar is permanent memory!
🎁 The best gift idea for 2022 is definitely TrueFan Video Message. 
Gift the coolest surprise ever with video messages personally recorded by bollywood actors.

🎁Gifting Occasions and Reasons:

Birthday gift
A birthday wishes video from one of the top Bollywood actors or Bollywood actresses will be incredible to receive for anyone you love as a gift.
It could be birthday wishes for sister, birthday wishes for brother, birthday wishes for best friend, birthday wishes for husband, birthday wishes for daughter.

Birthday wishes video from top Hindi movie celebrities can also be gifted to the following people in your life:
Gifts for mother
Gifts for father
Gifts for boss
Gifts for men
Gifts for boyfriend
Gifts for husband
Gifts for girlfriend
Gifts for wife
Gifts for women
Gifts for mother
Birthday gifts for boyfriend
Birthday gifts for men
Birthday gifts for mother
Birthday gifts for father
Birthday gifts for girlfriend
Birthday gifts for best friend
Best surprise birthday wish
birthday gift for wife
birthday gifts for sister
mom birthday gifts
birthday wish for friend
birthday wishes for sister
birthday wishes for best friend
happy birthday wishes for friend
best birthday wishes
happy birthday wishes for sister
Birthday wishes for husband
Birthday wishes for daughter
birthday wishes for son
happy birthday wishes for brother
birthday wishes for wife
birthday wishes for bestie
happy birthday video

No more gifting cakes, flowers, gift cards because Video Message is the new and best gifting option in India.
Read More »

OJAS Launched Official Android Application on Google Play Store


OJAS Launched Official Android Application on Google Play Store

Many candidates has the queries in their mind about what is ojas? Why people of gujarat are searching for ojas whenever they want the information regarding new recruitment, vacancies, Government jobs, Admit card, Call letter, Hall Ticket, Answer Key, Result or Merit list.

APPLY ONLINE FOR ALL JOB

So Here We Have answer about all your Questions. Ojas is stand for (Full Form) – Online JOB Application System Of Gujarat. It Means Ojas is Official Government Portal For The All Of Recruitment And Vacancies Of Gujarat State. The Official Website of ojas & Gujarat Rojgar is OJAS.GUJARAT.GOV.IN.


OJAS – Online Job Application System: Recruitment Bharti Maru Gujarat Rojgar

Find the Latest Government Jobs in Gujarat. Every Recruitment Notifications for all types Govt Jobs in Gujarat updated @ ojas.guj.nic.in. We are providing the complete and the Best information regarding all types of job in Gujarat Government.

તા.૨૭/૦૪/૨૦૨૨  

પો.સ.ઇ. કેડરની મુખ્ય પરીક્ષા માટેની પસંદગી યાદી અંગેની માહિતી માટે અહીં કલિક કરો........

Some of the Important options obtainable in OJAS APP

  • Get Your Application Form in PDF
  • Upload Photo and Signature
  • Get Your Forgotten Roll Number and Confirmation Number
  • Get Hall Ticket / Call Letter Details
  • Check Application Fee Status etc.

        OJAS Android Application Notification Feature::

        • Now Users Can use OJAS Apps Notification features and get valuable Information from it Like:,
        • New Job Arrived On OJAS website
        • Download Official Detail Advertisement Of Any Recruitment.
        • Users also Apply Online through this Application for any New Job vacancies.
        • Users Can also Download and view their Exam Call Letter From OJAS Application.
        • News Option also Available in this apps. Users can know New Notification news comes from OJAS Official Android Application.
        • YOu can know various Result In OJAS Official Android Application.
        • Users Can Know their Confirmation no. In it.

        IMPORTANT LINK:::

        OJAS Official Android App

        Click here one time Regitaion

        OJAS Gujarat Recruitment  2017 comes with the lots of job vacancies for the educated and intelligent people. Go fast and check your eligibility on the official website and apply for your dream job.

        Read More »

        Oil and Natural Gas Corporation Limited (ONGC) APPRENTICES vaccancy 2022


        Oil and Natural Gas Corporation Limited (ONGC), which is India’s flagship energy major and a 

        ‘Maharatna’ Central Public Sector Enterprise engaged in Exploration and Production of Oil & Gas in India 

        and abroad, as a measure of Skill Building initiative for the Nation, proposes to engage apprentices from  its operational areas at its location across 20 work centres.

        Applications are invited from candidates meeting the following qualifications for engagement as 

        Apprentices under Apprentices Act 1961 (as amended from time to time) in the trade/disciplines 


        B. AGE CRITERIA

        Minimum 18 years and maximum 24 years as on 15.05.2022. That is, the Date of Birth of the 

        Candidate/Applicant should between 15.05.1998 and 15.05.2004.

        Concession & Relaxation:

        I. Upper age is relaxed by 5 years for SC/ST candidates and 3 years for OBC candidates for the 

        trades reserved for them.

        II. Candidates belonging to PwBD categories shall be given age relaxation upto 10 years (upto 

        15 years for SC/ST and upto 13 years for OBC (Non-Creamy Layer) Candidates)

        SELECTION

        Selections for engagement of Apprentices would be based on the basis of marks obtained in the 

        qualifying examination and Merit drawn. In case of a similar number in merit, a person with higher 

        age would be considered. No canvassing or influencing would be acceptable at any time and may 

        render for non-consideration.

        Reservation of positions will be followed as per Government of India Policy on SC/ST/OBC/PWD 

        categories, as applicable for the engagement of Apprentices under The Apprentices Act, 1961 as 

        amended. 

        F. GENERAL CONDITIONS

        I. Candidates are advised to carefully read the full advertisement for details of eligibility criteria and selection modalities before submission of application.

        II. The candidates should NOT have undergone Apprenticeship earlier or pursuing Apprenticeship Training as per the Apprentices Act, 1961, as amended from time to time.

        III. Candidates, who had training or job experience for a period of one year or more after the attainment of prescribed qualifications, shall NOT be eligible for being engaged as 

        Technician Apprentice.

        IV. Only for Technician Apprentices (for trades mentioned in Sl. No. 18-24) : - The applicant for 

        the position should NOT have completed three years after passing of the qualifying examination as on the cut-off date of eligibility i.e. 15.05.2022. In case the date of 

        Declaration of result is not mentioned in the Mark Sheet, the candidate must submit a certificate mentioning the date of publication of result from the Principal of the Polytechnic/ College / Institute from where the candidate pursued his Diploma course at the time of verification of documents.

        V. ONGC shall have no obligation to offer regular employment to Apprentices during and/or 

        after the completion of the apprenticeship period. After successful completion of 

        Apprenticeship period, candidates shall be relieved from the respective work area.

        VI. Any corrigendum/addendum etc. or updates with regard to this advertisement shall be 

        made available on our website www.ongcindia.com and www.ongcapprentices.ongc.co.in 

        only. Candidates are thus advised to periodically visit our above websites as all future correspondence and latest information shall be available only on our website.

        VII. Candidates can apply for one Trade Code ONLY. Candidates applying for more than one Trade Code will not be considered for any post and their applications will be summarily rejected. Further, only one mobile number and one email ID can be used for applying for the training. The same mobile number and email ID cannot be used by any other 

        candidate for filling online application for this notification.

        VIII. The candidature of the applicant would be provisional and subject to subsequent verification of certificates. In case it is detected at any stage of engagement or thereafter, that a candidate does not fulfil the eligibility norms and/or that he/she has furnished any incorrect/doctored/false information/certificate/documents or has suppressed any material fact(s), his/her candidature will stand cancelled. If any of these shortcomings is/are detected even after engagement, his/her engagement is liable to be terminated.

        IX. Engagement of selected candidates is subject to his/her being declared medically fit as per the requirement of the Apprentices Act, 1961. All such engagement will also be subject to all relevant Rules/policies/guidelines of the Corporation.

        X. The decision of Management will be final and binding on all candidates on all matters relating to eligibility, acceptance or rejection of the applications, mode of selection, 

        cancellation of the selection process either in part or full, higher qualification etc. No 

        correspondence will be entertained in this regard. Filling up of the seats is solely at the discretion of the management based on suitability of candidates and no claim will arise for 

        engagement, if some of these seats are not filled due to unsuitability / insufficient number of candidates.

        XI. Applications/Registration which are incomplete or not fulfilling the eligibility criteria shall not be considered “Eligible” and treated as “Rejected”.

        XII. Canvassing of any kind shall disqualify the candidate.

        XIII. The service terms and conditions of the apprentices shall be governed by The Apprentices Act, 1961and Rules 1992 as amended from time to time

        G. REQUIREMENT BEFORE FILLING ON-LINE APPLICATION FORM

        I. Please check if your are eligible to apply for the seats based on the qualification criteria as mentioned in Para C and if you belong to the eligible districts as mentioned in Annexure 

        1.

        II. Before applying for above apprentices positions, candidates have to first register 

        themselves in online portals of the following agencies of Govt. of India:

        (a) For Trade – Accounts Executive and Office Assistant: With National Skill Development Council (NSDC) at https://apprenticeshipindia.org/ for Trade Accounts Executive and Office Assistant. (Trades mentioned in Sl. No 1 & 2)

        (b) For other Trade Apprentices: With Ministry of Skill Development & 

        Entrepreneurship (MSDE) at https://apprenticeshipindia.org/ (Trades mentioned in Sl. No 3-20)

        (c) For Technician Apprentices: With the concerned Regional Board of Apprenticeship Training (BOAT) in their portal National Apprenticeship Training Scheme (NATS) under Ministry of Human Resource Development. The link 

        https://portal.mhrdnats.gov.in/boat/commonRedirect/registermenunew!register menunew.action (Trades mentioned in Sl. No 21 -27)

        III. After successful registration with the above agencies, a registration number will be 

        generated and the candidate has to mention this registration number while applying for 

        apprentices positions in ONGC website www.ongcapprentices.ongc.co.in

        IV. It may be noted that in case candidate does not pre-register themselves online with 

        concerned BOAT/ NSDC and subsequently after selection as apprentice in ONGC, their 

        registration of contract as apprentice does not happen with BOAT/ NSDC/RDSDEs due to 

        any reason, the candidate himself shall be responsible for the same and shall not be considered for engaging as apprentice. In such case, candidature of the applicant will stand cancelled and offer shall be issued to next candidate from the panel.

        V. The candidate must have an active email ID and Mobile Number which must be valid for at 

        least next one year. All future communication including Corrigendum/Addendum with

        regard to this advertisement with candidate will take place only through 

        www.ongcindia.com / e-mail / SMS Alerts.

        VI. The candidate should have scanned copy of colour photograph (Size: between 20-50 KB in 

        JPG Format) ready before applying on-line.

        VII. The candidate must ascertain the correctness of all information before filling in the Online Application Form and its final submission.

        VIII. The candidate shall be wholly/exclusively responsible for the information provided in his/her online application form.

        IX. After successfully applying/registration of Online Application, the candidate must take a print out of the filled-in online application for future reference.

        H. HOW TO APPLY

        i. Candidates meeting the above prescribed eligibility criteria should visit our ONGC website 

        www.ongcapprentices.ongc.co.in and apply Online from 27.04.2022 till 15.05.2022 by 

        18:00 hours.

        ii. Paper based applications will NOT be accepted.

        iii. There are two steps for Registration process. Part-I & Part-II. In Part-I registration, candidate 

        has to fill his/her basic details like name, category etc. and has to create his own password. 

        After successful Part-I registration, with the e-mail ID, candidate has to login again into the 

        system with the password generated by him. Candidates are advised to remember the E-

        mail and password for future reference/use.

        iv. In Part-II registration, candidate has to upload his scanned photograph and furnish 

        educational qualification, experience details etc. and submit the same. This is the final 

        submission process and after that candidate cannot change the details furnished. 

        Candidates are therefore advised to furnish the details in the portal carefully and check the 

        same before final submission.

        I. SELECTION AND JOINING

        i. Selected candidates will be intimated through their registered mail ID.

        ii. The verification of the original documents shall be done prior to joining on a specific date. 

        A registration form will be generated once the candidate is selected. A print out of the same may be taken from the website and brought during document verification.

        iii. The list of documents and originals to be brought for verification shall be intimated to the selected candidates.

        J. IMPORTANT DATES

        Issue of advertisement and call for applications 27th April 2022

        opening of online application portal at 

        www.ongcapprentices.ongc.co.in

        ઑફિશ્યલ નોટીફિકેશન અહીંથી જુઓ

        27th April 2022 11:00 AM

        Last date for receiving of applications 15th May 2022 6:00 PM Date of Result/Selection 23rd May 2022

        Note: However, in case of insufficient receipt of applications or non-availability of the required number 

        of suitable candidates, ONGC reserves its right to extend the date of application at its own discretion.

        Read More »

        Avatoon - Avatar Creator, Emoji Maker & Cartoon Me Android App.


        Avatoon - Avatar Creator, Emoji Maker & Cartoon Me Android App.


        Your Personal Avatar Creator And Cartoon Emoji Maker - Avatoon

        You’re not boring, and your social media shouldn’t be either. With the powerful photo editing tools of Avatoon, create a personalized avatar that expresses just how exciting you and your life really are. 

        Did you know? Custom personalized avatars can be more effective on social media than traditional (boring) photos. Whether chatting with friends, building up followers, or just looking for a change, upgrading your image with a colorful cartoon avatar is a great idea. That’s where Avatoon comes in.


        અહીંથિ જુઓ સંપૂર્ણ વીડિયો

        Our avatar creator lets you standout from the crowd while still being yourself. Avatoon not only creates a unique, personalized, cartoon you, but also lets you create personalized stickers and emojis. Wow friends and followers with colorful stickers and gifs starring you! Go a step further and use our photo editing tools to insert your avatar into real life photos: all using one powerful app



        Features 

        Facial recognition - With just one picture Avatoon easily creates a personalized avatar that looks almost as good as the real thing.

        Photo Editor - Avatoon provides users with powerful editing tools that bring your photos, be they professional or fun, to the next level. 

        Avatar Snapshots - Using either in-app backgrounds or real life photos you can insert and modify your avatar’s expressions, poses and background until you’ve created the perfect snapshot of your digital counterpart.

        Avatar Fun - The social fun of Avatoon doesn’t stop at creating and sending photos. Win coins and share with friends as you explore Avatoon. 

        Send and Share - Effortlessly share your personalized stickers, emojis,  and edited photos on any other social media you can think of.

        Avatar Customization - Easily customize your avatar however you wish. From hair to eyes, clothes to nose, everything can be customized, to ensure your avatar looks just like you.

        Style Options - Tons of customization options! Change your clothes, hair, and color scheme, to let your personal style really shine through. 



        Important Link :  CLICK HERE






        CLICK HERE TO DOWNLOAD AVATOON ANDROID APP

        Personalized Avatar Stickers - Give your messages a personal touch! With a cute little cartoon you, expressing yourself has never been easier!

        Avatoon is an awesome way to show the world how unique you really are. Tons of customization options really let your personality shine through! Whether texting, tweeting, gramming, or anything else, Avatoon is the premier tool to bring your emoji game to the next level. Don’t wait to improve your profile, download now!

        Read More »

        Tuesday, 26 April 2022

        Reserve Bank announces new guidelines on debit cards (ATM) and credit cards.


        Reserve Bank announces new guidelines on debit cards (ATM) and credit cards.



        RBI દ્વારા ડેબિટ કાર્ડ અને ક્રેડિટ કાર્ડ અંગે નવી માર્ગદર્શિકા

        Reserve Bank announces new guidelines on debit cards 🏧 and credit cards: The Reserve Bank of India (RBI) yesterday issued a hidden circular from a private and public sector bank cardholder announcing the implementation of the new rules from July after announcing the payment of credit card fees of charge,Always Check Our Website to Know Upcoming New Jobs, Technology Tips, Helth Tips and General Info Updates, remain with us avakarnews Please share with your companions this Post,Keep visiting for more jobs and study material updates.

        આણંદ જિલ્લાની જગ્યાઓનુ લિસ્ટ 

        ગીર સોમનાથ જિલ્લાની જગ્યાઓનુ લિસ્ટ

        રાજકોટ જિલ્લાની જગ્યાઓનુ લિસ્ટ

        સાબરકાંઠા જિલ્લાની જગ્યાઓનુ લિસ્ટ

        પોરબંદર જિલ્લાની જગ્યાઓનુ લિસ્ટ

        મહીસાગર જિલ્લાની જગ્યાઓનુ લિસ્ટ

        વડોદરા જિલ્લાની જગ્યાઓનુ લિસ્ટ

        જુનાગઢ જિલ્લાની જગ્યાઓનુ લિસ્ટ


        Bank credit card eu has been issued to any person in the name of charging a huge amount in the name of charges-hidden charges and the Reserve Bank of India (RBI) has imposed a curfew after issuing Rs. Fee of Charge Once the credit card has been activated in a day, if the card is not activated, the bank will not be able to charge any charge to the concerned cardholder before the card is issued. The first is to activate the credit card by sending it.

        Charges are larger in the name of hidden charges. Opportunity to charge credit card day One time password to the concerned cardholder. Increased bit. Provide insurance cover to protect the cardholder from the liability of a large amount if the lost credit card is misused.

        Reserve Bank announces new guidelines on debit cards and credit cards: The credit card of any bank is taken. In the same way, when a credit card is lost out of the liability of a large financier, when it is lost, fraud also occurs during its use. The fraudulent use of insurance cover to rescue them may result in huge fraud and even the card-grabbers may plan to pay. These events happen. As a result, the bank is concerned to provide illegal insurance covered by credit. Credit card installments with the explicit consent of the cardholder due to a large amount of liability incurred by the cardholder.


        અહીંથી જુઓ તથાસ્તુ મહોત્સવ LIVE પોગ્રામ

        Reserve Bank announces new guidelines on debit cards and credit cards: If the bank does not close the card within 7 days, it will have to be shown separately
        Daily Rs. 500 will have to be paid monthly in all credit card transactions and based on those transactions.
        Banks are also required to be fully transparent in taking credit card closure application installments.

        આંગણવાડી ભરતી મેરીટ અહીંથી જુઓ
        Only seven of the post-work are given. Monthly charging from credit card users
        How much is the principal and how much interest is charged in installments for processing the application in a day or how much is the discount for them?

        📝 Reserve Bank announces new guidelines PDF Download link HERE


        Will be. Credit card closure instruction
        The credit must be clearly shown within seven days of the award. The monthly installment cannot be collected without a clear idea of ​​the interest and principal. Also zero cost or then zero
        If the card is not closed then such interest cannot be identified as credit card. Before the card is activated
        Under the circumstances, the bank has to pay Rs. Any credit information for 500 credit card holders Sibyl, CRIF
        Will be fined accordingly. This of the penalty

        Payment to Bank Credit Card Holder – Cannot be given to any institution like Credit Record Institution or Credit Information Company, such as Experian.
        Will fall.

        You’re reading avakarnews — experts who break news about Google and its surrounding ecosystem, day after day. Be sure to check out our homepage for all the latest news. As well as exclusive offers on best recharge, popular mobiles. With the latest tech news and reviews from all over the world.

        Thanks for visit this Reserve Bank announces new guidelines on debit cards (ATM) and credit cards Post, Stay connected with us for more Posts.

        Read More »

        RTE Gujarat Admission 2022 RTE Online school admission Form


        Learn English with fun mini-lessons that feel like games! Use the free app every day to quickly improve your spoken English. 

        With Duolingo, you’ll improve your English — and have fun. Short lessons help you practice speaking, reading, listening, and writing to improve your vocabulary and pronunciation of English. Start with basic phrases and sentences, and learn new words daily. 

        Duolingo is changing the way people learn languages around the world.

        ★ It's free, for real.

        ★ It's fun! Advance by completing bite-sized lessons, and track your progress with shiny achievements.

        ★ It's effective. 34 hours of Duolingo are equivalent to a semester of university-level education.






        બીજો રાઉન્ડ જાહેર 👇👇



        ★ Learn English, Chinese, Japanese, Korean, Spanish, French, German, Italian, Russian, Portuguese, Turkish, and many more languages

        Read More »

        Ready to enjoy & make fun in summer school vacation camping games!


        Ready to enjoy & make fun in summer school vacation camping games!

        Now it's time to go out of town, into the forest for a summer vacation picnic. It's time to collect things and start off. For all the school little ones who love summer camping, barbecue, rest away from the bustling city and forest camping adventure is dedicated to our summer vacation camping simulator. In the course of this extreme vacation fun and exciting game, you, and your little ones, will be transferred to the wonderful world of summer holidays and real trips. So get in your car and go on a hilarious picnic in nature.


        There are many summer activities for school going like sand castle building, tent camping, woods collection, bonfire, swimming, fishing etc. like you do in this summer break game. Make your summer vacation camping days full of fun by playing school summer vacation fun games. Camping is always fun , play in and enjoy the beauty of nature in your holidays. Relish your high school trip in this summer camping. 

        There are many summer activities for school going like sand castle building, tent camping, woods collection, bonfire, swimming, fishing etc. like you do in this summer break game. Make your summer vacation camping days full of fun by playing school summer vacation fun games. Camping is always fun , play in and enjoy the beauty of nature in your holidays. Relish your high school trip in this summer camping. 



        Let’s start packing for interesting luxury vacation time. Get ready to relax your mind with this amazing journey of beautiful travel around the world in this summer vacation camping. Are you ready to enjoy forest camping fun???This family vacation adventure brings four different amazing destinations to enjoy. Get your bags and a luxury air travel is waiting for you.


        GIET Grishmotsav 2022 Important Links:

        નોંધ: કોઈ પણ એક Registration Form ભરવું.



        Features:

        How will the Grishmotsav 2022 activities reach the child?  

        Video of daily activities will also be broadcast daily on BISAG's Vande Gujarat Channel 5.  Broadcast time:

         2.30 a.m.  to 3.00 a.m.

        8.30 a.m.  to 9.00 a.m.

        2.30 p.m.  to 3.00p.m.

        8.30 p.m.  to 9.00 p.m.


        ગ્રીષ્મોત્સવ 2022


        દિવસ-15 તા:15/5/2022

        શ્રીમદ્ ભગવદ્ ગીતા

        ક્રાફ્ટ

        વિજ્ઞાન

        વાર્તા


        કોડિંગ

        દેશી રમતો

        પરિવારની પ્રવૃત્તિ 

        ગ્રીષ્મોત્સવ 2022

        દિવસ-14 તા:14/05/2022

        શ્રીમદ્ ભગવદ્ ગીતા

        વ્હાલા મિત્રો, ગ્રીષ્મોત્સવ ૨૦૨૨ ની જાહેરાત વખતે અમે આપને કહ્યું હતું કે માત્ર GIET દ્વારા બનેલા કાર્યક્રમો જ આપના સુધી આવે એમ નહિ પરંતુ આ ગ્રીષ્મોત્સવ આપનો જ બની રહે એવું કરવું છે. આજે આપણે ત્રણ પ્રવૃત્તિઓ ક્રાફ્ટ, વિજ્ઞાન અને દેશી રમત એવી મૂકી છે જે બાળકો તરફથી આવી છે. આવું આદાન પ્રદાન જ ડિજિટલ સાહિત્યને વધુ સમૃદ્ધ બનાવશે. તો મિત્રો, આપની પાસે પણ આવી કોઈ પ્રવૃત્તિઓ હોય તો અમને ચોક્કસ મોકલી આપો.

        ક્રાફ્ટ

        વિજ્ઞાન

        વાર્તા

        કોડિંગ

        દેશી રમતો

        વંદે ગુજરાત ચેનલ 5 
        2:30 a.m.
        8:30 a.m.
        2:30 p.m.
         8:30 p.m.
        આજની પ્રવૃત્તિ ક્રાફ્ટ, વિજ્ઞાન, કોડિંગ, દેશી રમતોના ફોટોગ્રાફ તથા ગીતા અને વાર્તાના વિડીયો મોકલવા માટે 


        ગ્રીષ્મોત્સવ 2022

        દિવસ-13 તા:13/05/2022

        શ્રીમદ્ ભગવદ્ ગીતા

        ક્રાફ્ટ

        વિજ્ઞાન

        વાર્તા

        કોડિંગ

        દેશી રમતો

        આજની પ્રવૃત્તિ ક્રાફ્ટ, વિજ્ઞાન, કોડિંગ, દેશી રમતોના ફોટોગ્રાફ તથા ગીતા અને વાર્તાના વિડીયો મોકલવા માટે 

        વંદે ગુજરાત ચેનલ 5 
        2:30 a.m.
        8:30 a.m.
        2:30 p.m.
         8:30 p.m.

        તા.04/5/2022 થી દર બીજા દિવસે બપોરે 3 : 30 કલાકે ડીડી ગિરનાર પર

        જો તમારી પાસે આર્ટ, ક્રાફ્ટ, અભિનયગીત, વિજ્ઞાન, વાર્તા, દેશી રમતો અને પ્રવૃત્તિ કૌશલ્ય છે તો મોકલીને ગ્રીષ્મોત્સવમાં રજૂ કરી શકો છો.  


        ગ્રીષ્મોત્સવ પ્રવૃતિ

        DAY - 12 , 12-05-2022

        શ્રીમદ્ ભગવદ્ ગીતા - Click Here
        ક્રાફ્ટ - Click Here
        વિજ્ઞાન - Click Here
        વાર્તા - Click Here
        કોડિંગ - Click Here
        દેશી રમતો - Click Here

        આપ આપના ઘરે આ પ્રવૃત્તિ કરી તેના ફોટોગ્રાફ અથવા વિડીયો અમને મોકલી શકો છો: અહિ ક્લિક કરો

        ગ્રીષ્મોત્સવ 2022

        દિવસ-11 તા:11/05/2022

        શ્રીમદ્ ભગવદ્ ગીતા

        ક્રાફ્ટ

        વિજ્ઞાન

        વાર્તા

        કોડિંગ

        દેશી રમતો

        આજની પ્રવૃત્તિ ક્રાફ્ટ, વિજ્ઞાન, કોડિંગ, દેશી રમતોના ફોટોગ્રાફ તથા ગીતા અને વાર્તાના વિડીયો મોકલવા માટે 


        જો તમારી પાસે આર્ટ, ક્રાફ્ટ, અભિનયગીત, વિજ્ઞાન, વાર્તા, દેશી રમતો અને પ્રવૃત્તિ કૌશલ્ય છે તો મોકલીને ગ્રીષ્મોત્સવમાં રજૂ કરી શકો છો.  

        Multiple activities to perform and have fun.
        Different food stalls to go for food.
        Multiple characters to play in this picnic adventure.
        Spend quality time with your family.
        Cook, eat & have fun with barbecue in the forest.







        Let’s start packing for interesting luxury vacation time. Get ready to relax your mind with this amazing journey of beautiful travel around the world in this summer vacation camping. Are you ready to enjoy forest camping fun???This family vacation adventure brings four different amazing destinations to enjoy. Get your bags and a luxury air travel is waiting for you.
        Read More »

        Monday, 25 April 2022

        Mirror and control your Android phone on any TV using the Castto app!


        Mirror and control your Android phone on any TV using the Castto app!

        Screen Mirroring is a technique, which allows you to mirror your smartphone on the TV screen. You can easily access all of your games, photos, videos and other application on a big screen using this Screen Stream Mirroring (Castto) App.  

        If your eyes are drained from looking at your small cellular phone, you will get a great big screen phone experience by connecting your phone to a TV screen via This Cast To TV app!

        Mirroring your mobile screen on your TV can be useful when you're showing off photos from a recent trip, playing a game or giving a demonstration. With this Screen Mirroring App, you'll be able to duplicate your Android phone's screen on TV screen. 

        This Screen Mirroring App allows you to easily connect your device and your TV. It provides you a secure connection to protect your data, files and applications. Castto is simple, easy to use and most importantly a free app!

        With this Connect Phone To TV App, you can stream to TV from phone without limitation. It helps you instantly stream movies, music and photos to your TV! This is one of the best screen mirroring app for android users.

        Cast To TV is useful for streaming movies, videos, access photos and apps on the TV screen. You can easily connect your smartphone with your TV wirelessly. You can search your favorite TV shows and series and easily stream them anytime on your TV screen. 

        Watching videos on your TV or tablet is great, Streaming those movies on your big TV screen? Better yet. This’s the best Screen Stream Mirroring app to view your phone on your TV. If you are searching for How to Connect Phone to TV Without Hdmi then this is the best app, you will find!

        Little smartphone and tablet screens are good on the run, but when you’re in your family area then why not use your TV’s much larger screen instead? Sharing your phone screen With the Television now is easier with this Connect Phone To TV App. 

        If you are tired of searching the greatest Apps for casting your small screens into larger screens to get awesome experiences, here is the best and most user-friendly Screen Mirroring App. All you need is to make sure that your smartphone/tablet and your TV are connected to the same WIFI network in order for Castto to work successfully.

        Please follow the steps bellow to display your mobile screen on your TV:

        1- Make sure your TV and your Phone are Connected to the same wifi network

        2- Enable Miracast Display on your TV

        3- Enable Wireless Dispaly option on your phone

        4- Click Select button and choose your TV

        5- Enjoy!

        Read More »

        Pradhan Mantri Mudra Yojana Eligibility Criteria And Other Information


        પ્રધાનમંત્રી મુદ્રા યોજના | Pradhan Mantri Mudra Yojana Eligibility Criteria And Other Information

        Pradhan Mantri Mudra Yojana : પ્રધાનમંત્રી મુદ્રા યોજના (પીએમએમવાય) બિન કૉર્પોરેટ, બિન કૃષિ, લઘુ/સુક્ષ્મ ઉદ્યમો માટે  10 લાખ સુધીની લોનની સુવિધા આપે છે. ભારતના યુવાધનને તથા કાર્યરત નાના ઉદ્યોગોને પ્રોત્સાહન આપવાના હેતુથી શરૂ કરાયેલી મુદ્રા બેંકનું પૂરું નામ છે, માઈક્રો યુનિટ્સ ડેવલપમેન્ટ એન્ડ રીફાઈનાન્સ એજન્સી (Mudra). જે પ્રધાન મંત્રી મુદ્રા યોજના અંતર્ગત શરૂ કરવામાં આવી છે

        Pradhan Mantri Mudra Yojana Micro Units Development and Refinance Agency Ltd. [MUDRA] is an NBFC supporting development of micro enterprise sector in the country. MUDRA provides refinance support to Banks / MFIs for lending to micro units having loan requirement upto 10 lakh. MUDRA provides refinance to micro business under the Scheme of Pradhan Mantri MUDRA Yojana. 

        The other products are for development support to the sector. The bouquet of offerings of MUDRA is depicted below. The offerings are being targeted across the spectrum of beneficiary segments. Pradhan Mantri Mudra Yojana

        અત્યારે આ યોજના અંતર્ગત જમીન, પરિવહન, સામુદાયિક, સામાજિક તથા વ્યક્તિગત સેવાઓ, ખાદ્ય ઉત્પાદન, ટેક્સટાઈલ જેવાં ક્ષેત્રોને જ સમાવવામાં આવ્યાં છે, આગળ જતાં હજુ આમાં બીજાં અનેક નવાં ક્ષેત્રોને સાંકળવામાં આવશે, જેના કારણે નવા ઉદ્યોગોને ખૂબ જ ઊજળી તકો છે. નાના વેપારીઓ, વ્યવસાયકારીઓ આ યોજનાનો લાભ લઈને સફળતાનાં શિખરો સર કરશે.

        મુદ્રા યોજના થકી વર્ષ ૨૦૧૫-૧૬ માં ૩.૩૨ કરોડ ગરીબ લોકોને લાભ મળ્યો છે. ચાલુ વર્ષમાં અમે આ યોજના માટેનું બજેટ ડબલ કરવાના છીએ. મુદ્રા યોજનાનો લાભ લેનારા લોકોમાં સૌથી વધુ મહિલાઓ, દલિતો અને અલ્પસંખ્યક સમાજના લોકો છે.

        Eligibility Criteria: Pradhan Mantri Mudra Yojana

        ELIGIBILITY CRITERIA FOR PARTNER INSTITUTIONS

        Micro Units Development and Refinance Agency (MUDRA) has adopted the eligibility norms in respect of various category of Banks for the partner lending institutions for the purpose of availing refinance to micro units in manufacturing, trading and service sector in rural and urban areas.


        I. SCHEDULED COMMERCIAL BANKS

        A. Public Sector Banks

         Should have earned profit during the last 2 years failing which minimum external rating of long term instruments not below A-(minus) from accredited credit rating agencies.

         Level of Net NPAs not exceeding 15%.

         CRAR as stipulated by RBI from time to time.

         Net worth above Rs.250 crore.


        B. Private Sector Banks

         Should have earned profit during the last 2 years failing which minimum external rating of long term instruments not below A-(minus) from accredited credit rating agencies.

         Level of Net NPAs not exceeding 10%.

         CRAR as stipulated by RBI from time to time.

         Net worth above Rs.250 crore.


        C. Regional Rural Banks

         Should have earned net profit for preceding two years.

         Level of Net NPAs equal to or less than 6%.

         CRAR as stipulated by RBI from time to time.

         Net Owned Fund above Rs.50 crore.


        D. Small Finance Banks

         Should have been granted final license by Reserve Bank of India (RBI) for carrying on Small Finance Bank business and have commenced operations of the Small Finance Bank.

         SFB/previous entity prior to conversion into SFB (taken together) should have earned profits during last 2 financial years

         Should have sizeable outstanding portfolio (> `500 crore) comprising advances to micro/small enterprises in respect of income generation in manufacturing, services, trading or activities allied to agriculture /other activities approved/to be approved under PMMY loans from time to time.

         Should have strong fundamentals based on last audited balance sheet .

         CRAR as stipulated by RBI from time to time.

         Net worth greater than or equal to 100 crore.

         Gross NPA less than or equal to 5%.


        II. MICRO FINANCE INSTITUTIONS

         Should be a registered legal entity lending to micro units meeting the loan size criteria of MUDRA (which is presently loan size of Rs.1 lakh or as stipulated by RBI from time to time) for atleast 3 years or the promoters /management should have an experience of atleast 10 years.

         Having a minimum outreach of 3000 existing borrowers.

         Should have received minimum capacity assessment rating as indicated below :

        Mfr-4 (equivalent to CRISIL) for TN, Kerala, Karnataka andPuducherry

        Mfr-4 (equivalent to CRISIL) for Tier-I and Tier-II MFIs and Mfr-5 for the Tier-III

        MFIs in other remaining states.

         Should have suitable systems, processes and procedures such as internal accounting, risk management, internal audit, MIS, cash management etc.

         Should target own account enterprises within micro units category i.e. business run by the owner.

         Meeting the minimum CRAR and other norms stipulated by RBI for MFIs registered as NBFC-MFIs and comply all the prevailing RBI guidelines, including pricing etc.

         Three years profitable track record, Recovery performance not less than 90%, Portfolio at Risk > 90 days below 5% (relaxable upto 7% on case to case basis) for MFIs.

        Should be a member of credit bureaus as per RBI policy.

         Has a minimum term loan/refinance requirement of Rs.0.50 crore.

         Targets the poor, especially women and is secular.

         Has audited financial statements (in case of NGO with microfinance as a programme, the NGO should have separate audited financial statements for the MFI programme) and

         For NBFCs or any other MFI set up for/by taking over the existing MF operations of another entity, track record of the earlier entity can be considered for existence, past ratings etc., guidelines relating to value of FDRs to be placed as security etc. subject to continuity of promoters/senior management/transfer of major (> 60%) part of the MF operations of the earlier entity.

         MUDRA’s loan to be on lent by MFIs for use by borrowers in; setting up/running nonfarm income generating activities and micro/small enterprises including trading activities/services.


        III. NON BANKING FINANCE COMPANIES (NBFCs) Pradhan Mantri Mudra Yojana

        A. Larger NBFCs i.e. Assets size > Rs.500 crore

         The NBFC should be registered with RBI as Asset Finance Company (AFC) or Loan Company. In respect of NBFC-Loan Company, a CA certificate that if the loan is given for income generating activities, 60% of the income comes from productive assets should be furnished. Two Tier NBFCs extending loan / resource support to MFIs (both NBFC-MFIs and non-NBFC MFIs complying with RBI norms for NBFCMFIs or priority sector status) for on lending to ultimate borrowers would also be considered

         NBFC should have been in business for 5 years and should have earned Net Profit for last 3 years. In case of the NBFCs financing second hand vehicles, the NBFC needs to have experience of 3 years in the activity and also have recorded profit during the period.

         Minimum Net Owned Fund of Rs.20 crore and Minimum Asset size of Rs.500 crore.

         CRAR-Minimum 15%.

         Minimum Gross NPA & Net NPA would be based on rating of agency.

         External rating range of BBB+ and above.


        B. SMALLER NBFCs i.e. Asset size less than Rs.500 crore Pradhan Mantri Mudra Yojana

         The NBFC should be registered with RBI as Asset Finance Company (AFC) or Loan Company. In respect of NBFC-Loan Company, a CA certificate that if the loan is given for income generating activities, 60% of the income comes from productive assets should be furnished. Two Tier NBFCs extending loan / resource support to MFIs (both NBFC-MFIs and non-NBFC MFIs complying with RBI norms for NBFC-MFIs or priority sector status) for on lending to ultimate borrowers would also be considered

         Should have been in business for 5 years and earned Net profit for last 3 years. In case of the NBFCs financing second hand vehicles, the NBFC needs to have experience of 3 years in the activity and also have recorded profit during the period. Preference may be given to NBFCs enjoying well conducted credit facilities from Scheduled Commercial Banks.

         Minimum Net Owned Fund of Rs.15 crore and Minimum Asset size of Rs.25 crore.

        The NBFC normally has done lending business of at least Rs.20 crore during the immediately preceding financial year.

         CRAR-Minimum 15%.

         Minimum Gross NPA & Net NPA would be based on rating of agency.

         External rating range of BB- and above.


        Fiscal Incentives: Pradhan Mantri Mudra Yojana

        To signify the stage of growth / development and funding needs of the beneficiary micro unit / entrepreneur and also provide a reference point for the next phase of graduation / growth to look forward to, MUDRA offers incentives through these interventions:

         Shishu : covering loans upto  50,000/-

         Kishor : covering loans above  50,000/- and upto  5 lakh

         Tarun : covering loans above  5 lakh and upto  10 lakh


        Generally, loans upto  10 lakh issued by banks under Micro Small Enterprises is given without collaterals. Pradhan Mantri Mudra Yojana

        Objective Of The Scheme: Pradhan Mantri Mudra Yojana

        Mudra loan is extended for a variety of purposes which provide income generation and employment creation. The loans are extended mainly for :

        Business loan for Vendors, Traders, Shopkeepers and other Service Sector activities

        Working capital loan through MUDRA Cards

        Equipment Finance for Micro Units

        Transport Vehicle loans


        Important Links: Pradhan Mantri Mudra Yojana

        Read In Gujarati

        Read In Hindi

        For More Information Click Here


        Mudra Loan Form Kit [PDF] Pradhan Mantri Mudra Yojana

        Common Loan Application Form For Kishor And Tarun  [PDF File]

        Application Form For Shishu [JPG File]

        Check List For Shishu Application[JPG File]


        Banker’s Kit:  Pradhan Mantri Mudra Yojana

        Application form for Claiming Refinance [Docx File] Pradhan Mantri Mudra Yojana

        Data Submission for Claiming Refinance [Docx File] Pradhan Mantri Mudra Yojana

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