An Aadhaar card date of birth change is important when there are errors or discrepancies in the details recorded with the Unique Identification of India (UIDAI). The UIDAI has made date of birth change in Aadhaar card documents easy through authorised Aadhaar Seva Kendras.Key Highlights:Aadhaar card date of birth change cannot be done online.The update fee is Rs. 50 per request.You must submit a valid Date of Birth proof (such as Birth Certificate, Passport, or Govt. ID).Aadhaar card date of birth change can be done only once, except through UIDAI’s exception handling for special cases.Updates are processed within 90 days, and status can be tracked online using URN.How to Change DOB in Aadhaar Card?For Aadhaar card date of birth change, you need to visit the nearest Enrollment Centre with the required documents mentioned below. Below is a step-by-step process for date of birth change in Aadhaar card documents:Step 1: Visit your nearest Aadhaar Enrolment Center.Step 2: Fill out the Aadhaar Update Form/ Aadhaar correction Form, i.e.

A Limited Liability Partnership (LLP) blends the operational flexibility of a traditional partnership with the limited liability protections of a company. The LLP full form is Limited Liability Partnership. An LLP is a body corporate where partners are not personally liable for business debts beyond their agreed contribution.This guide explains what is Limited Liability Partnership in detail, and outlines the complete LLP registration process in India.Key HighlightsMinimum two partners required. There is no upper limit on maximum partners.Partners enjoy limited liability which means that their personal assets are protected.Regulated under the LLP Act, 2008 with lower compliance than companies.LLP has a separate legal entity, perpetual succession, and flexible internal management.What is Limited Liability Partnership?The concept of the Limited Liability Partnership (LLP) was introduced in India in 2008. It is a separate legal entity formed by partners who share profits but are not personally liable for business debts beyond their agreed contribution.The Limited Liability Partnership Act, 2008 regulates the LLPs in India.

The LRS full form is Liberalised Remittance Scheme. The Liberalised Remittance Scheme by the RBI allows resident Indians to remit up to USD 250,000 annually abroad for education, travel, healthcare, gifts, and investments. Budget 2025 revised the LRS scheme with a higher TCS-free threshold, making global financial transactions easier.Key Highlights:TCS-free threshold for the Liberalised Remittance Scheme: Rs. 10 lakh (raised from Rs. 7 lakh in Budget 2025)Eligible purposes: Education, travel, gifts, medical treatment, investments, emigration, businessIneligible uses: Lottery, margin trading, overseas real estateWhat is LRS?The LRS full form is Liberalised Remittance Scheme. It is a foreign exchange policy initiative introduced by the Reserve Bank of India in 2004.

LIC policy surrender means discontinuing the policy before its maturity and claiming the surrender value of LIC policy. Once surrendered, all benefits, coverages, and bonuses under the plan cease immediately. Understanding how to surrender LIC policy is important as the process requires specific forms, documents, and eligibility conditions.Key HighlightsThe policyholder receives a surrender value after at least 3 years of premium payments.Surrender value is calculated using a formula with sum assured, bonuses, and surrender factors.Policies can be surrendered offline at an LIC branch or online via the LIC portal.Required documents include Form 5074, original policy bond, ID proof, PAN, and bank details.Once surrendered, the policy cannot be revived.What is LIC Policy Surrender?LIC policy surrender is the voluntary termination of a life insurance policy before maturity. The coverage stops immediately, and the policyholder gets back a lump sum known as the surrender value. The surrender value of LIC policy represents the paid-up value plus accumulated bonuses (if any) after deducting applicable charges. Most LIC policies acquire a surrender value only after 3 full years of premium payment.Types of Surrenders in LIC PolicyHere are some of the common ways of LIC policy surrender:Full SurrenderThis is when the policyholder chooses to completely cancel their ongoing policy. The policyholder won't need to pay premiums anymore and won't receive any policy benefits or claims in the future. Depending on the type of policy, LIC will make the pay-out which is typically a certain percentage of premiums paid, after the deduction of applicable surrender charges.Special SurrenderIt is applicable in a few exceptional situations where LIC sets specific terms for surrendering the policy. The value differs from standard surrender value of LIC policy. These situations may involve severe financial difficulties, unexpected events or serious illnesses, where LIC offers reduced charges or a better surrender value.Surrender as a Result of No Payment of PremiumsIf a policyholder is unable to pay premiums and renew the life insurance policy within a specified grace period, it will be treated as surrendered. If the policy has got a surrender value, he or she will receive the amount as per the agreed terms. If the policy has not got a surrender value, no such pay-outs would occur.How to Surrender LIC Policy Offline?Here is the step-by-step guide on how to surrender LIC policy:To start with, visit your nearest LIC branch and obtain Form 5074, also known as the Surrender Discharge Voucher.Upon completion, the form along with the necessary documents must be submitted.Following submission, LIC will process your policy surrender request.Upon approval, the surrender value will be transferred to your bank account.Alternatively, instead of visiting a branch, you can opt to courier the discharge voucher and other necessary documents to LIC's head office in Mumbai.How to Surrender LIC Policy Online Before Maturity?Here is how to surrender LIC policy online before maturity:Navigate to the LIC’s official portal and sign in using your credentials.Under the “Customer Services” tab, select “Policy Surrender”.Then, download the Surrender Discharge Voucher (LIC Form No. 5074).Fill it up carefully and submit the same along with the necessary documents to LIC.Once the form is accepted, the surrender process will start.The surrender value will be deposited into your registered bank account.Documents Required to Surrender LIC PolicyHere are some of the documents required if the policyholder chooses LIC policy surrender:Policy surrender application formForm 5074: surrender discharge voucherCancelled cheque for providing policyholder's bank account detailsOriginal policy bondNEFT mandate form PAN Card copyHow to Calculate the Surrender Value of LIC Policy?You can opt for LIC policy surrender only if you fulfil certain criteria such as payment of policy premium consecutively for 3 years.

NRE and NRO accounts are two types of bank accounts available to Non-Resident Indians (NRIs). An NRE account is used to manage foreign earnings in India with full tax exemption, while an NRO account manages income earned in India and is taxable. Understanding the difference between NRE and NRO accounts helps you make informed choices about repatriation, taxation, and joint ownership.Key Highlights:NRE Account: Best for foreign income, freely repatriable, and fully tax-free.NRO Account: Best for Indian income, subject to TDS, and repatriable up to USD 1 million yearly.Joint Holding: NRE with NRIs only; NRO can be held with NRIs or resident relatives.FEMA Compliance: NRIs cannot maintain regular savings accounts; NRE/NRO are mandatory.Usage: Both accounts can be savings/current; used for deposits, withdrawals, fund transfers, and investments.What is a Non-Resident External (NRE) Account?An NRE (Non-Resident External) account is a rupee-denominated bank account for NRIs to park their foreign earnings in India. Deposits are made in foreign currency and converted to INR, while withdrawals are in Indian rupees. These accounts can be in the form of savings, current, recurring, or fixed deposits. You can also transfer your funds (Principal & Interest amount) to a foreign account from an NRE account without any complications and restrictions. You need to note that the amount you deposit into these accounts must be earned outside India. Mutual fund investments to become effortless and instant if you link your NRE account number to the investment account. NRE account is primarily used for carrying out business, personal banking and making investments in India.What is a Non-Resident Ordinary (NRO) Account?An NRO (Non-Resident Ordinary) account is a rupee-denominated account for NRIs to manage income earned in India.

The Karnataka Government Gruha Jyothi Scheme provides free electricity up to 200 units per month to residential households, reducing power costs for lakhs of families across the state. It merges the older Kuteera Jyothi, Amrutha Jyothi, and Bhagya Jyothi schemes. Over 1.72 crore residents are registered under the Bangalore Gruha Jyothi scheme statewide.Key HighlightsHouseholds using below 90 units now get 10 additional free units, as per the revised cabinet decision.The average free unit calculation rule has been replaced with a simpler slab-based system.Applications for the Karnataka Government Gruha Jyothi Scheme can be made online via Seva Sindhu or offline via Karnataka One, Grama One, and Bangalore One centres.What is the Gruha Jyoti Scheme Karnataka?The Karnataka Government Gruha Jyothi Scheme is a state electricity subsidy program launched by the Karnataka Government to provide free electricity up to 200 units per household every month. This scheme applies to all domestic households, including tenants and residents living in rented or self-owned properties across Karnataka.As of October 2025, the Karnataka Cabinet approved revised eligibility norms for the Karnataka Government Gruha Jyothi Scheme:Consumers using under 90 units will now get 10 extra free units, replacing the earlier 10% increment rule.Around 1.95 crore consumers in Karnataka use an average of 53 units per month, most of whom now qualify for zero bills.Electricity distribution companies (ESCOMs) have simplified average consumption calculations for transparency.Key Features of Gruha Jyothi SchemeThe Karnataka Government Gruha Jyothi Scheme offers free power to reduce household electricity expenses and promote energy efficiency. Its key features include:Provides free electricity up to 200 units per month.Applicable to all Karnataka households, including tenants.Online and offline registration available via Seva Sindhu and One Centres.Zero bill if monthly usage is within eligible limit.Revised in 2025 — homes using under 90 units get 10 extra free units.Gruha Jyoti Scheme EligibilityApplicants must fulfill the following criteria to be eligible for the Karnataka Government Gruha Jyothi Scheme:Only people residing in Karnataka State can apply under this scheme. Only domestic/resident household connection is eligible.A house owner will get the scheme benefit for only one electric meter connection.Tenants can get the benefit even when the meter is in the house owner’s name. Non-residents residing in Karnataka can also get the scheme benefit when residing in Karnataka.The Aadhaar card should be linked with the account/consumer ID of the electricity bill.How to Register for the Gruha Jyoti Scheme Karnataka?Registration for the Karnataka Government Gruha Jyothi Scheme can be done online or offline.Online RegistrationVisit the Seva Sindhu portal.Click on the Gruha Jyothi Scheme icon.Enter details such as ESCOM name, Account ID, Aadhaar number, and mobile number.Tick the declaration, complete CAPTCHA, and click Submit.Save the acknowledgment number received via SMS or email.Offline RegistrationResidents can visit nearby centres such as:Bangalore One/Karnataka OneGrama One/Nadakacheri/Panchayat Office Submit the filled Gruha Jyothi Scheme electricity application form with necessary documents.Calculation of Average Electricity Consumption for Gruha Jyoti SchemeAll consumers will get free electricity when their average electricity consumption for the previous year is below 200 units.

Postal Life Insurance (PLI) is a government-backed life insurance scheme that provides low premiums and long-term savings for eligible employees. Postal Life Insurance online services allow policyholders to access postal life insurance plan details, manage policies, pay premiums and track status digitally. PLI is one of India’s most accessible and secure insurance options.Key TakeawaysPLI offers six plans: Whole Life, Endowment, Convertible Whole Life, Anticipated Endowment, Joint Life and Children’s Policy.Bonus rates are declared annually. Whole Life offers the highest reversionary bonus.There is no official PLI premium calculator. You must use the official Postal Life Insurance plan details and premium tables to estimate premiums.What is the Postal Life Insurance Scheme?Postal Life Insurance (PLI) is a life insurance scheme offered by the Department of Posts under the Government of India.

The Indian Post Office offers several digital methods to complete your Postal Life Insurance (PLI) online premium payment based on your policy status and preference. Multiple digital options ensure faster processing and easier premium tracking.Key HighlightsPLI online premium payment can be made with login, without login (first premium only), or via credit/debit cards.Accepted payment modes include UPI, net‑banking, cards, IPPB app, CSCs, and Standing Instructions.PLI login is required for renewal premiums, premium history, and receipt download.Quick Pay without login is available only for first‑time premium after proposal submission.PLI receipt can be downloaded online for tax purposes. What is Postal Life Insurance (PLI)?Postal Life Insurance (PLI) was introduced in 1884 and is one of the oldest life insurance schemes in India. It is a Government-backed insurance service managed by India Post. PLI is primarily meant for:Central and State Government employeesPublic Sector Undertaking (PSU) staffDefence and paramilitary personnelProfessionals like doctors, engineers, and others eligible under the schemeWays to Make PLI Online Premium PaymentYou can choose from multiple convenient methods to complete your PLI online premium payment based on your preference and access. The table below lists all available options with key details:Payment MethodLogin RequiredPayment ModesReceipt AvailabilityPLI Customer PortalYesNet banking, debit/credit card, UPIDownload from portalQuick Pay / Initial Payment LinkNo (first premium only)Debit card, credit card, UPIInstant confirmation via email/SMSCredit/Debit Card (via Portal)YesCredit card, debit cardDownload from portal after paymentIPPB Mobile App / QR / Micro-ATMOne-time IPPB loginIPPB account balance, UPI, QR scan, SIIPPB app inbox, SMS, and emailPOSB Internet Banking (DoP eBanking)YesDirect transfer from POSB savings accountPOSB e-statementCommon Service Centres (CSCs)NoCash, UPI, digital walletsPrinted receipt + SMS confirmationStanding Instruction/NACH (Bank/IPPB)One-time setupAuto-debit from linked bank or IPPB accountMonthly debit advice or bank confirmationPLI Online Payment With LoginFollow these steps to complete your PLI online payment with login through the official customer portal:Go to the customer portal of PLI and click “Login”.If you are a first-time user, select “Generate Customer ID”, enter policy details and verify your email to set a password. You will receive the registration link to your registered email ID.Sign in with Customer ID & password.Choose “Payments”and then click “Renewal Premium".

The Voter List 2025 Karnataka helps residents verify whether their names are included in the electoral roll for the upcoming elections. Checking the Karnataka voter list ensures your voter details are accurate and updated before polling. This guide explains how to search your name, download the electoral roll, apply for a voter ID, track status, and update your details easily.Key HighlightsKarnataka residents can check their names in the Voter List Karnataka 2025 online using EPIC number, mobile number, or personal details.The electoral roll PDF is also available on the Karnataka CEO portal.Karnataka Voter ID applications can be submitted online via NVSP or offline through Electoral Offices.Voter ID status can be tracked using the application reference number.Citizens can update address or personal details using Form 8 online or offline.What is the Karnataka Voter List?The Karnataka voter list contains the names of all eligible voters in the state. Residents must verify their voter ID details to ensure they can vote in upcoming elections.How to check Name in Karnataka Voter List?Ensure that you have your EPIC number or personal details handy to search effectively. Follow these steps to search your name in the Karnataka voter list 2025:Visit the Election Commission of India (ECI) website.Click on the Elector Menu on the homepage.Select Search your name in the electoral roll.Enter your EPIC number or Voter ID.If EPIC is unavailable, search using mobile number or personal details such as DOB, district, assembly area, and relative details.Procedure to View Name in PDF Electoral RollUse these steps if you prefer checking your name in the full PDF list:Visit the Karnataka Chief Election Officer's Website .Click on “Search My Name in Voter List”.Enter your EPIC number or Voter ID.If not available, use mobile number or personal details.You can use other details such as your date of birth, the district you're in, your assembly area, and details about a relative to find your name on the voter list.Download the PDF electoral roll to view your name.How to Apply for Karnataka Voter ID Card Online?Follow the steps below if you wish to register as a new voter:Visit the National Voters' Services Portal (NVSP).Click “Sign-Up”.Enter mobile number, email and captcha.

Know Your Customer (KYC) is a one-time verification process that verifies an investor’s identity before they make a mutual fund or other financial investments. KYC status check confirms if your verification is complete, and it ensures smooth investments, withdrawals, and account openings.Key HighlightsKYC verification is handled by SEBI-registered KYC Registration Agencies (KRAs).KYC can be done through Aadhar-based biometric, or by downloading KYC application form from the CDSL Ventures website.Investors must submit an ID proof, a proof of address, a passport photo, and a Know Your Client application form. What is KYC (Know Your Customer)?KYC or Know Your Customer, is a process by which the financial institutions obtain the identity and address of the customers. As part of regulatory compliance, KYC is mandatory before carrying out any financial transaction, especially for opening bank accounts or investing in mutual funds. This ensures that the institution's services are not misused and safeguards against fraudulent financial activities.How to Check KYC Status?You can visit the official website of a SEBI-registered KYC Registration Agency (KRA) to complete your KYC status check. These agencies maintain a central database of investor KYC records. Enter your PAN to check if you are KYC compliant or not. Popular KRA websites include CVL KRA (CDSL Ventures Limited), NSE KRA, and CAMS KRA.