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How to Download and Print ePAN Card Online

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PAN or Permanent Account Number is a unique 10-digit alphanumeric code issued to each and every entity carrying out financial transactions in India. Be it an individual or an organisation, PAN is mandatory for all tax-paying entities. One can apply for a PAN through NSDL website or UTIITSL portal for PAN. PAN hardcopy is can be received on the address mentioned in the Form 49A within 45 days of application. One can, however, download the ePAN online and use it as a valid document everywhere.

What is ePAN?

ePAN is a virtual PAN card that contains the card holder’s PAN details. It can be downloaded either from the NSDL portal or the UTIITSL portal. It contains the card holder’s PAN and can be used for all e-verification that require PAN card to be furnished.

Following details are mentioned in an ePAN card:

  • Permanent Account Number
  • Name
  • Father’s Name
  • Date of Birth
  • Gender
  • Photograph
  • Signature
  • QR Code

It is worth mentioning that it is illegal to possess more than one PAN card. A person found in possession of more than one PAN card is liable to be imposed a fine of up to Rs. 10,000.

Steps to Download ePAN Online

ePAN can be downloaded online from NSDL and UTIITSL portal. Those applicants who had applied for PAN through the NSDL portal in the past can download ePAN from the same. If they want to download the ePAN from UTIITSL portal, they will have to apply for PAN card reprint through the UTIITSL portal first otherwise they will not be able to download the ePAN. The same goes with the applicants of UTIITSL portal.

ePAN can be downloaded free of cost by all new applicants or applicants who have applied for a modification in the PAN data within one month of the issuance of PAN. UTIITSL charges an additional fee of Rs. 8.26 (including taxes) for every download request. This payment can be done online and the applicant can download the ePAN whenever he needs it.

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How to Download ePAN from NSDL Portal?

There are two options for downloading the ePAN through NSDL portal:

NSDL does not allow users to download ePAN after one month of application, be it for a new PAN card or corrections/modifications in PAN card.

Applicants can opt out from the delivery of the PAN card hardcopy and apply only for ePAN at the time of filling the form, both new and correction. In such cases, it is mandatory to quote the email address where the ePAN will be delivered.

How to Download ePAN by Acknowledgement Number?

One can download ePAN from the NSDL portal by following the steps mentioned below:

  • Visit NSDL PAN portal to download PAN card by Acknowledgement numberDownload ePAN card by Acknowledgement number
  • Enter the Acknowledgement number issued after submitting the PAN card application and click on “Generate OTP”

    NSDL ePAN Generate OTP
  • Enter the OTP and click on the “Validate” button to download your ePANNSDL ePAN Enter OTP
  • Click on “Download PDF” to download the ePAN instantlyDownload ePAN PDF

How to Download ePAN by PAN and Date of Birth?

One can download the ePAN card by mentioning the PAN and date of birth as well. Following steps should be followed for the same:

  • Visit the ePAN downloading portalDownload ePAN by PAN and DOB
  • Enter details required in the form such as PAN, Date of Birth, GSTN (optional)
  • Now mention the security code and click on “Submit” to download the ePAN card for free

How to Download ePAN from UTIITSL Portal?

UTIITSL is an alternative portal from where applicants can apply for new PAN cards or making corrections in the existing PAN. Applicants who have applied through UTIITSL can download the ePAN online. If the ePAN is downloaded within 30 days of issuance of the PAN card, no additional fee is charged.

One can download the ePAN from the UTIITSL portal by following the steps mentioned below:

  • Visit the ePAN downloading portal of UTIITSLePAN Download at UTIITSL
  • Enter the required details such as PAN, date of birth/incorporation, GSTIN (optional) and security code and submit the application
  • Check whether the mobile number and e-mail ID mentioned against the PAN is correct and enter the security code and tick the declarationDownload ePAN UTIITSL
  • The user gets the option to send the OTP to either mobile number, email ID or both
  • An OTP is sent to the selected source
  • Enter the OTP and click on submit
  • In case the PAN issuance period is more than one month, the user will be directed to make an online payment of Rs. 8.26
  • On successful processing, the user will be able to download the ePAN online.

FAQs on Downloading ePAN Card

Q. Is there any PAN card download app?
A. No, there is no PAN card download app. One has to either visit NSDL website or UTI Infrastructure Technology And Services Limited website to download ePAN.

Q. What is the fee charged for downloading ePAN card?
A. An applicant can download the ePAN card for free for the first month of issuance of the new/modified PAN card. After that, UTIITSL applicants will have to pay a fee of Rs. 8.26 for each ePAN card download.

Q. Is ePAN a valid document?
A. ePAN is equally valid as a regular PAN card. Both are the same documents and are just issued through different media.

The post How to Download and Print ePAN Card Online appeared first on Compare & Apply Loans & Credit Cards in India- Paisabazaar.com.



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Best 0% APR Balance Transfer Credit Cards – July 2020

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Updated. I enjoy my credit card rewards, but they simply aren’t worth it if you are carrying a balance at 18%+ interest! If you are ready to pay down that debt, consider transferring your balance to another issuer at a lower rate. Shopping around can save you thousands of dollars in interest. Below is an updated list of the best 0% APR balance transfer offers from a variety of issuers (since you can’t transfer balances within the same issuer). Unfortunately, the selection has gotten much slimmer since the onset of the pandemic with Chase, Bank of America, American Express cards no longer on this list.

You’ll want the best combination of the longest 0% APR period and the lowest balance transfer fees. For example, if you are paying 18% APR, that’s like paying 1.5% on your balance every month. Paying a 3% upfront fee for an 18 month period of 0% would be like paying your existing 18% interest rate for 2 months longer and then getting 0% interest for the remaining 16 months. That may be preferable to 12 months at 0% with no balance transfer fee, especially if you spread out your payments over the entire period and use that additional time to pay it all off by the end. If you are sure you can pay it all off within a shorter 0% period, then should pick the no balance transfer fee option.

1) Citi® Diamond Preferred® Card – 0% Intro APR on balance transfers for 18 months from date of first transfer. All transfers must be completed in first 4 months. You also get 0% Intro APR on purchases for 18 months from date of account opening. After the intro APR offer ends, a variable APR will apply. This card provides a longer term, but note that there is a balance transfer fee of 3% of the amount of each credit card balance transfer or $5, whichever is greater. No annual fee.

2) Wells Fargo Platinum Card – 0% Intro APR on balance transfers for 18 months from date of account account opening. (Note this is not the same as starting the countdown from the time of transfer.) Introductory balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, it is of 5% each credit card balance transfer or $5, whichever is greater. No annual fee.

3) Citi® Double Cash Card – 0% Intro APR on balance transfers for 18 months from date of first transfer. All transfers must be completed in first 4 months. This card provides a longer term, but note that there is a balance transfer fee of 3% of the amount of each credit card balance transfer or $5, whichever is greater. You also get 2% cash back on all purchases with 1% cash back when you buy, plus an additional 1% as you pay for those purchases. No annual fee.

4) First Tech Fed Choice Rewards Card0% Introductory APR for 12 months on balance transfers and no balance transfer fee during the first 90 days after account opening. After the intro APR offer ends, a variable APR will apply. You must be an First Tech Federal Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for as little as $8 (Financial Fitness Association). No annual fee.

5) Navy Federal Platinum Card0% introductory APR for 12 months after account opening for balance transfers requested within 30 days of account opening. No balance transfer fee. You must be an Navy Federal Credit Union member to obtain this card, and membership eligibility is restricted primarily to military personnel including Army, Marine Corps, Navy and Air Force, but includes veterans and family members. No annual fee.

6) ETFCU Platinum Rewards Card0% introductory APR for 6 months after account opening on balance transfers and no balance transfer fee. After the intro APR offer ends, a variable APR will apply. You must be an Evansville Teachers Federal Credit Union member to obtain this card, but membership is open to everyone who joins a partner organization for as little as $5 (Mater Dei Friends & Alumni Association). No annual fee.



“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone. This email may contain links through which we are compensated when you click on or are approved for offers.”

Best 0% APR Balance Transfer Credit Cards – July 2020 from My Money Blog.


Copyright © 2019 MyMoneyBlog.com. All Rights Reserved. Do not re-syndicate without permission.



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How to Change/Update Name in Aadhaar Card after Marriage

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Aadhaar card is one of the most important proofs of identity and address these days. It can easily be downloaded, carried in the digital form and shared instantly for authentication/verification. Aadhaar card contains both biometric as well as the demographic details of the user making it better than any other identity proof. It contains demographic details such as name, date of birth, gender, address, etc. One can get these details updated as and when wanted. In case of women, they can get their name changed in Aadhaar card after marriage quite easily.

How can women change name in Aadhaar card after marriage?

A woman generally adds her husband’s title to her name after marriage. Even though it is not mandatory, but the addition of title to the name is quite prevalent. However, if you want to add the title to the name legally, you will have to get it updated in your document proofs as well.

Updating your name in the Aadhaar card is not a tough task. You can follow the steps mentioned below to update your name in Aadhaar card after marriage:

  • Visit a nearby Aadhaar Enrolment Centre (Click here to locate one)
  • Provide your Aadhaar number to the executive
  • Fill the Aadhaar Enrolment Form and submit it with the required document proof to the executive
  • The executive takes your biometric data for authentication and feeds the details
  • The document proof is scanned and the original document is returned back
  • Once the application process is complete, the executive gives an acknowledgement slip that contains the acknowledgement number
  • This acknowledgement number can be used to track the status of Aadhaar update
  • Finally, make the payment of a fee of Rs. 50 (including taxes)

What are the documents required for updating the name in Aadhaar card?

A woman who wants to get her name changed in Aadhaar card after marriage has to provide certain documents at the time of updating details at the Aadhaar Enrolment Centre. The applicant has to submit the Marriage Certificate containing address issued by the Government.

It is worth mentioning that the applicant has to take the original Marriage Certificate with her. The executive scans the copy and returns the original certificate. In case the applicant provides a photocopy of the original, the application may be rejected at the time of approval.

Alternatively, the applicant can furnish any of the following documents to get the name changed in Aadhaar after marriage:

  • A document containing a proof of the marriage of the applicant issued originally by the Marriage Registrar
  • Legally approved name change certificate
  • Identity Certificate containing the photo of the applicant on a proper letterhead issued by either a Gazetted Officer or a Tehsildar

What is the fee charged for updating name in Aadhaar card after marriage?

An applicant has to pay a fee of Rs. 50 (inclusive of all taxes) to the executive once the update request is submitted and he gets the acknowledgement slip. The executive cannot ask for a fee more than the prescribed limit by the UIDAI. In case an executive does so, you can file a complaint online through the Grievance Redressal Mechanism.

In how many days will the name in Aadhaar card get updated?

It may take up to 90 days for updates to reflect in the Aadhaar card. However, you can check the details in your Aadhaar online and if updated, it will reflect in your Aadhaar card. The acknowledgement slip contains the URN (Update Request Number) which can be used to check the status of the Aadhaar card.

Will UIDAI send me the updated Aadhaar card? If not, what should I do?

UIDAI send an updated Aadhaar card to the address mentioned in the Aadhaar card through India Post. In case you do not receive the updated Aadhaar card, you can also order Reprint of Aadhaar online. A fee of Rs. 50 (taxes included) has to be paid online and the Aadhaar copy is sent to the cardholder’s address.

Can my application for name change in Aadhaar after marriage be rejected?

Yes, the application for updating the name in Aadhaar card can be rejected on grounds of incorrect or unverifiable document proof attached at the time of application. It is thus recommended that you carry the original marriage certificate at the time of updating your name in Aadhaar.

The post How to Change/Update Name in Aadhaar Card after Marriage appeared first on Compare & Apply Loans & Credit Cards in India- Paisabazaar.com.



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Can The PPP Loan Affect Your Credit Score?

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(The following is a transcription from a video my real estate agent, Jake Blount, and I recorded. Please excuse any typos or errors.)

Can the Paycheck Protection Program (PPP) Loan negatively affect your credit score?

And, can it prevent you from getting approved for a mortgage?

It seems the answer is yes.

I wanted to understand this better. So, I sat down with my real estate agent, Jake Blount, to discuss how to work through this if you got the PPP loan and are trying to get a mortgage (or other loan).

We will be providing some information that just may help you avoid your credit score being affected negatively by the PPP loan, and help you get that loan approved.

We welcome you to view our discussion with our SeedTime community, here:

Below is a the transcript from our conversation:

The PPP Loan

Bob Lotich: I have my friend and real estate and Jake here and we were chatting the other day and I got the PPP loan and he said, “Hey, fun fact about the PPP loan, it can prevent you from getting a mortgage.” And so I want to hear all about this. I want to hear what this situation is because I don’t think anybody knows about this. I haven’t heard about this at all. Tell me what the deal is like, what happened? What was the story here? Where are we?

It Can Prevent You From Getting A Mortgage

Jake Blount: Basically it wasn’t a client, it was actually myself. That makes it closer to home, more personal. Basically we had been planning on buying a new house for a while and renting out our current house to try to build up some rental income and kind of rental properties. And house had on the market on our street for a while and we finally were like, okay, I think this is the time it’s been on for a while. And so we were going to start to kind of go down that path. And so we’re like, great, we got our taxes done. Little bit of a rough start from the beginning of coronavirus, but we were able to get the PPP, which brings us to why we’re kind of talking about this now in the first place. Get the PPP in May, May 5th. It was the first round of getting it. Great. We got it in my bank account. I had lost a couple deals.

Bob Lotich: Got some money. Yay!

Jake Blount: Yeah, got some money. Cha-ching. Had a couple of deals fall through, so it was perfect. It got me right through the time to when some of those deals started coming back again. I had a couple of deals that were ready to close. I’m feeling good. It’s time to move forward with this purchase. And so we got our taxes done. Now it’s time to talk to the lender. Let’s get the mortgage. Verbally I talked on the phone what our income was, where we’re at, what we’re planning on doing. He’s like, “Great. “You will qualify for this no problem. Great.” All right, pumped. He was like, “All right, well, we’re going to do this thing. Let me look at your credit report.” Pull his credit report. He’s like, okay, this is fine. You know, a little $35 a month credit card, no big deal. And then he’s like, “What is this $750 a month loan?” And I was like, “Wait, what?” He’s like, “What is this maxed out $750 a month loan?” I was like, “Ah, I don’t have a maxed out 700. What are you talking about?” My first thought is somebody has frauded us.

Is Fraud The Issue?

Bob Lotich: Stolen my identity or something.

Jake Blount: Yeah, so that’s the first thing I say is, “I think someone has stolen my identity.” And he was like, “It’s happened before. We got to figure this out.” And I was like, “Where’s it at?” He’s like, “It’s at Pinnacle Bank.” And I’m like, “Pinnacle Financial Partners, that’s who I bank with.” And I was like, “Wait, I bank there.” I’m like, “Somebody stole my identity and had the audacity to pull a huge loan in my name.”

Bob Lotich: At your bank.

Jake Blount: At my bank. And so I’m totally following this whole thing of fraud or whatever, thinking that that was what’s happening. Because I’m all in thinking, I’m not thinking about the Paycheck Protection Program, which is it ended up being was the Paycheck Protection Loan was that loan because it was at the time a two year payback period. If you’re talking about a $15,000 loan with a two year payback period, so it was this massive debt on my account and totally.

Bob Lotich: Unexpected. You didn’t know it was there.

Jake Blount: Unexpected.

Is The PPP Loan Actually A Loan?

Bob Lotich: Well, and everybody gets a PPP loan because you don’t really view it as a loan because it’s forgivable and everybody I assume is going through it thinking, I’m going to get the forgiveness and it doesn’t exist as a loan.

Jake Blount: Or it did. Yeah. And so I called my banker and that was the first thing I asked him. I’m like, “Hey, what is this deal? What is going on?” And he starts laughing. I’m like, “Why are you laughing at me? I’m going through a bad time here. And you’re going to laugh at me.” And he said, he was like, “I’ve had this phone call five times this week already.” I’m like, “Really?” I was like, “What’s going on?” He’s like, well, as you’ve kind of explained some of the previous videos, the Paycheck Protection Program it changes every couple weeks they have a new thing because I’m guessing that businesses are coming back and saying, “Hey, this isn’t working for us.” And they want it to be helpful because that’s the purpose of the loan. That’s when I went on a research binger and I think this is where Bob and I, we share a common brotherhood, research.

Bob Lotich: Research. Yeah, yeah, for sure.

Jake Blount: I started reading about it and basically that’s when I kind of started finding out that it was supposedly, most small business association loans are not personal or they’re not personally guaranteed, but they are reported to the credit bureaus.

Bob Lotich: Credit bureaus.

Jake Blount: Yeah. Yeah. And this one was supposedly not going to be that way because it was this forgivable loan. It had a weird kind of payback period. That was the original intent of the loan. But then they were actually not even supposed to report it at all, but now they’re reporting it to personal credit and loan.

Bob Lotich: Wow.

Jake Blount: And that’s what affected my mortgage because they were looking at it as this is a personal guaranteed loan.

Resolving The Issue

Bob Lotich: Where did it go from there? I’m assuming you got those resolved in your case.

Jake Blount: Almost.

Bob Lotich: Almost.

Jake Blount: Yeah. I have the good news.

Bob Lotich: All right, let’s talk about the good news.

Jake Blount: Immediately I’m asking the banker, “What can we do about this?” Because we know the intention is everybody in America, everybody knows what that means and how it works. And we kind of made some suggestions about him writing a letter to the mortgage lender and saying, “This is the purpose of the loan. And so therefore we can’t consider this or we shouldn’t consider this on your personal thing. Plus it’s going to be forgiven because it was used in the right purposes.” And the lender was still, “We have rules, because of 2008 and the crashes where they used to just if you had 20% down, they’d give you any size loan. You had 20% down.” All that’s changed.

And so the good news is if your lender they’re starting to work this out because we’re kind of the first round of people who are finally starting to get back on their feet, moving forward. And they’re like, now I’m going to start looking at that house that I was going to buy in March. I’m going to start trying to look into that now in June, July, August. And so now that’s when lenders are starting to figure it out. My lender personally, at Movement Mortgage, he said that they actually are at the very top writing a letter that kind of states what this is to send to the underwriters. And supposedly the underwriters are going to accept it. I don’t know because my banker also said he’s had a couple people not able to get the loan because of it.

Bob Lotich: That is crazy. It’s just amazing how quickly this whole thing rolled out and all of the kind of dominoes that are falling and the negative effects of this and the fact that some people are not able to get a mortgage because of this, unknowingly. They had no idea.

Jake Blount: The banker told me that it was, they didn’t know because it wasn’t supposed to happen this way. The intention of the loan was to never be on your personal credit report.

Bob Lotich: Okay. If somebody is watching this and they’re in this situation, what do you have any suggestions?

What You Should Do

Jake Blount: Yeah. The first thing is, there’s a differentiation of when you got the loan, this may be getting too much info.

Bob Lotich: You can never have too much.

Jake Blount: But if you’re before June 5th, it was defaulted to a two year payback period. If you’re after June 5th, it’s defaulted to a five year payback period.

Bob Lotich: Okay. That’ll change things considerably.

Jake Blount: That will change things considerably because that’s a very big difference in your payment scheduling. Also, you can talk to your bank if you had it pre June 5th, which and there you can renegotiate it.

Bob Lotich: To turn into a five year or something?

Jake Blount: To five year.

Bob Lotich: That reduces your monthly payment. And that would just look better.

Jake Blount: Oh, way better need that day to come.

Bob Lotich: For the mortgage company. Okay.

Jake Blount: It looks way better.

Bob Lotich: That’s one way. And then you said, who was it? Your banker is writing a letter to the mortgage company?

Jake Blount: He said he could write a letter basically stating, this is the literal law that the banker can send to the lender to say, “Hey, this is forgivable. This is now five years. At worst case scenario, if it’s not forgivable, it’s a five year loan so it looks a lot better.” And then the third thing would be if your mortgage lenders could already be taking right steps to get this sort of situated anyways. Also, the first round of forgiveness applications, I think starting July 6th. That’s another way to get it forgiven, wiped away so that you can move forward.

Bob Lotich: Yeah, that’s great. I think the moral of the story here is that the thing is just a mess, but bottom line is some people are already in this situation and you gave us three different things we can do to kind of move forward in that. And that’s making the best of the situation we’re in.

Jake Blount: Exactly, yeah. Because this is probably going to be your window unless you’re crushing the rest of 2020, let’s hope we do. It might be a dip on your income so 2021, you might have to wait till next tax season 2022.

Bob Lotich: Yeah. All right. Well, if you’re in Nashville, you need a great real estate agent, Jake is my guy and I recommend him highly. But other than that, that’s all we have for you today. Be blessed, be blessing. See you soon.

SeedTime Money Mastery Quiz

Hey, thanks so much for watching the video. If you haven’t yet taken our Money Mastery quiz, be sure to do that.

Linda Lotich: Yeah, It’s just a super quick two minute quiz and it’s going to help you understand how good you are with your money.

Bob Lotich: Yeah, and it’s going to provide a custom report giving you specific suggestions of how you can reach your financial goals up to 10 times faster. Head over to: seedtime.com/quiz to get started now.



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