Use FingerPrint as Your Smart ATM Card

Are you fed up with keeping dozens of ATM-cum-Debit Cards and remembering their passwords? No need to worry as you can now use your fingerprint as your smartest ATM-cum-Debit card absolutely free of cost and without passwords. 

How does your fingerprint works as smart ATM Card:

Finger Print - Smart ATM

Just visit any Bank Kiosk set up under Digital India Programme of Government of India for example Samadhan Kender in Rajpura 140401 Punjab. Tell the Bank Kiosk operator that you want to withdraw sum of Rs.10000 each from your bank accounts with Punjab National Bank and State Bank of India. The operator will fill up your Aadhaar ID and select the name of the Bank out of more than 25 nationalized and private banks where AEPS (Aadhaar Enabled Payment System) has be made operational by the Banks in tie up arrangement with UIDAI. The operator will then fill the amount of money to be withdrawn and make the payment to you on successful execution of payment. You can repeat the process for any Bank at the same Bank Kiosk.

Difference between FingerPrint and ATM-cum-Debit Card:

FingerPrint - Your Natural Smart ATM	Synthetic ATM Card issued by Banks
It is natural and absolutely Free of Cost	It is man made and you pay Annual Charges
No chance of Fraud as it can not be cloned	Fraud Prone as synthetic ATM can be cloned
It can not be stolen	In case it gets stolen you have to inform the bank before it gets misused.
It can be used to withdrawn money from any Bank Account on AEPS	It can be used only to withdraw money from bank account of the issuer bank
It is valid till your death	It has expiry date on which it will have to be renewed.
No need to remember password. Your fingerprint is your absolute property.	In case you forgot your lost password you feel handicapped till password is resent by the Bank
No body can withdraw money after your death	Anybody having access to ATM Card and Password can withdraw money even after your death to cheat your legal heirs.
Even illiterate people can use fingerprints as smart ATM	Illiterate people fall prey to fraudsters and tricksters.
Wear and Tear will not require your fingerprint to be changed/replaced. It is your natural body part even if you are hospitalized. Bank Kiosk owner can take the Laptop to Hospital to make you payment when you are bed ridden and hospitalized.	Wear and Tear will require ATM Card to be changed/replaced. ATM Machine is fixed and can not be taken to hospital. Even patients have to visit the ATM Cabin and Machine.

What are you thinking now? Just surrender you risky, costly synthetic ATM Cards and replace the same with organic, natural finger print which can work on all your multiple bank accounts as you smart card absolutely free till your death.

Now Insurance Premium Deposit Center has also become operational at Samadhan Kender where you can get the Insurance Premium Deposit Receipt issued by more than 25 companies at single counter. 

How to transfer confirmed Railway Ticket to Blood Relation without DNA Test

	How to get the Name of Passenger Changed in Confirmed Railway Ticket
Berth or a seat reserved in the name of a person shall be used only by the person and shall not be transferable to any other person. However Chief Reservation Supervisor of important stations are authorized by Railway Administration to permit the change of name of a passenger having a seat or berth reserved in his name in the following circumstances namely : (a) Where the passenger is a Government Servant, proceeding on duty and appropriate authority, makes a request in writing 24 hours before the scheduled departure of trains (b) Where the passenger makes a request in writing 24 hours before the scheduled departure of the train that the reservation made in his name may be transferred to another member of his family, meaning, Father, Mother, Brother, Sister, Son, Daughter, Husband and Wife. (c) Where the passengers are students of a recognized educational institution and the Head of the institution makes a request in writing 48 hours before the scheduled departure of the train, that the reservation made in the name of any student be transferred to any other student of the same institute. (d) Where the passengers are members of a marriage party and any person deemed to be Head of such party makes a request in writing 48 hours before the scheduled departure of the train that the reservation made in the name of any member of the marriage party be transferred to any other person. (e) Where the passengers are a group of cadets of National Cadet Corps and any officer who is the head of the group, makes a request in writing at least 24 hours before the departure of the train that the reservation made in the name of any cadet be transferred to any other cadet.Such request will be granted only once. Regarding item no. (c), (d) and (e), such request for change in excess of 10% of the total strength of group shall not be granted.

Pension Distribution System (PDS) installed at Samadhan Kender

Life After Retirement

Senior Citizens and Pensioners have now reasons to cheer up Samadhan Kender for installing the Pension Distribution System (PDS) under AEPS in association with State Bank of India. The salient features  of the Pension Distribution System - PDS are as under:

Now all State Government Pensioners, Defence Pensioners, Civil Pensioners, Central Government Pensioners who are drawing pension from their respective Banks can draw their pension in cash at Samadhan Kender.

How does it Work?

• Pensioner visits Samadhan Kender along with Bank Pass Book of any Bank and his or her Aadhaar Card.
• Team at Samadhan Kender will check the Balance and last few transactions in the account through authorized SBI Customer Service Point already working at Samadhan Kender.
• We will let you know if your pension has been credited to your account or not.
• In case your account has sufficient credit balance, you can withdraw up to the last penny without visiting your Bank.
• This facility is available for all pensioners, drawing pension from different banks at one single point that is Samadhan Kender, Near Bikaner Mishtan Bhandar, Rajpura 140401 Punjab (Contact 9316077749), subject to the condition that Aadhaar ID is linked to their Bank account.
• The cash withdrawl is limited to Rs.20000 per account per day.
• This facility can also be availed by general customers of any bank if their bank account is linked to their Aadhaar ID.
• Now Pensioners can also generate and submit their Digital Life Certificates online through Government of India authorized Common Service Center already operating at Samdhan Kender.
• NEFT upto Rs.20000 through AEPS (Aadhaar Enabled Payment System)
• Tatkal Money Transfer up to Rs.20000 in cash per account per day.

Why should I visit Samadhan Kender?

Often we are flooded with questions as to why one should visit Samadhan Kender? What are the plus points and limitations at Samadhan Kender. We give below the Plus Points of Samadhan Kender along with its limitations:

Positive Points at Samadhan Kender

• It has good ambience and proper sitting capacity for the customers especially senior citizens, pensioners and women customers.
• It is open all days including Saturdays and Sundays from 10 AM to 8.00 PM
• It is authorized by State Bank of India as Customer Service Point.
• It is authorized by Government of India as "Common Service Center".
• It is also authorized by UIDAI as "Permanent Aadhaar Enrollment Center"
• It has experienced Panel of Experts on its board along with visiting experts on prior appointment to solve your daily problems.
• We help our customers to improve their CIBIL Score through ethical means.

Get Aadhaar Card corrected under OTC-One Time Correction Camapgin

In the year 2009, the UIDAI came into existence for issuance Aadhaar ID's to all the Indian Residents. It was a mammoth task. The Government entrusted the enrollment job to privately managed Enrollment Agencies who did not bother to punch the important data of the citizens properly in an effort to make a quick buck to garner a few thousand crores from the GOI for accomplishing the mammoth task in a hurry. The following type of mistakes crept into the Aadhaar Cards issued to a big population of more than 100 crores:

Discrepancies in Names

• Most of the names were got verified from Voter Cards (EPIC) which are generally issued by State Governments in regional languages like Punjabi in Punjab, Hindi in Haryana and Tamil in Tamil Nadu. Spelling mistakes crept in the Aadhaar Cards for example Kuldeep Singh and Kuldip Singh are similarly spelled in Punjabi whereas in English the name can be written in two ways which can pose problems while getting PAN Card, Passport, Educational Degree and Certificates, Pension Payment Orders and Employer ID Cards etc as the rules say:

Minor change in name - change in name because of spelling discrepancy between passport and documents Which phonetically do not result in total change in name. Moreover different names in different Identity Proofs can pose difficult situations.

• While getting yourself enrolled for Aadhaar the citizens must ensure that the name matches with the name mentioned in your educational degree, employer ID card, Pension Payment Order and there is no mismatch. As regards PAN Card and Voter ID Card the names can be easily got corrected at Samadhan Kender.

Discrepancies in Date of Birth:

• DOB is a very important issue and needs to handled with utmost care. Birth Registrations are mandatory within 21 days of birth with the local registrar. Following type of discrepancies have been noticed in various ID Proofs:

1. Voter ID Cards often display approximate age which is totally unreliable and can not be accepted as valid proof of Date of Birth or Proof of Age to avail the Benefits available to Senior Citizens.
2. Most of the Aadhaar Card have Date of Birth (Declared) which is not accepted anywhere as Date of Birth (Verified) is only valid proof of DOB.
3. PAN Cards can be issued with Date of Birth declared and sworn before a judicial magistrate but can not be treated as valid Proof of Date of Birth.
4. SSC/Matriculation/Secondary School certificate date of birth is a valid proof of date of birth but if the Date of Birth is on or after 26/01/1989 then Birth Registration is the sole Proof of Date of Birth.

While getting enrolled for Aadhaar the citizens are advised to get the Date of Birth (Verified) status on the basis of Birth Certificate, Passport or SSC/Matric/Secondary School Certificate. It is in your own interest to check and match the correctness of personal particulars on all proof of identity lest you get puzzled at a later stage. Personal Particulars mean your Name, Father Name, Grand Father Name, Mother Name, Place of Birth, Date of Birth correctly spelled with no mismatch.

Discrepancies in Name of Father or Mother

The above 4 points hold good for the ID Proofs of your Father, Mother or ancestors.

Discrepancies in Proof of Address

Holder of ID Cards like PAN, PRAN, Voter ID, Aadhaar, Bank Pass Book are advised in their own interest to keep on updating their New Address, Mobile Number and Email ID to have an uninterrupted access to their accounts. Updating of Address in various ID Cards is very simple. You can visit Samadhan Kender to get your address, mobile number or email ID updated in your Aadhaar ID on the basis of which it becomes easy to get the address updated in other ID Proofs.

Samadhan Kender has launched One Time Correction-OTC campaign to update Aadhaar of residents of Rajpura and its adjoining villages.  Visit Samadhan Kender on all week days including Saturdays and Sundays from 10 AM to 8 PM to avail this unique facility of One Time Correction-OTC to update your Aadhaar.

What is the Difference between Suvidha Kender and Samadhan Kender:

Suvidha Kender	Samadhan Kender
You have to pay Parking Charges of Rs.20 for every visit .	No Parking Charges
Limited Working Hours	Working Hours 10.00 AM to 8.00 PM
Lunch Time Half Hour to One Hour	No Launch Time
Closed on Saturday and Sunday	Open 24x7x365 including Saturdays and Sundays.
Long Queues	No queues. Feel at home at Samadhan Kender
No Follow up for Aadhaar Enrollments	We make regular follow up and inform the citizens through Mobile Call and SMS about the status of their Aadhaar

Fresh Aadhaar Enrollment is in full swing at Samadhan Kender along with more than 101 Services being provided by Samadhan Kender under the banner of Common Services Center as Samadhan Kender is Government of India authorized CSC Centre, first of its kind in Rajpura 140401 Punjab India.

Insurance Centre opens at Samadhan Kender

You might have taken Life Insurance from reputed insurance companies through nationalized government sector banks and private banks who have tie up arrangements with different insurance companies to sell their products just to earn commission. But what happens after you have taken the Insurance Cover? Just look at these astonishing facts:

One of the leading nationalized bank entered into "Tie up Arrangement" with Reliance General Insurance Company and the bank cancelled the tie up arrangement with in 2 years due to difference. Now the customers who had taken the Reliance Cover searched for the local office of Reliance General Insurance Company and they were surprised to note that there was no office of the company in Rajpura and even to pay the premiums the customers had to visit either Patiala or Chandigarh offices of the company.

One of the customers took the HDFC Life cover through HDFC Bank but when the customer went to the HDFC bank to deposit the renewal premium the banker told that it can be deposited only with HDFC Life office at Patiala. 

There are hundreds of cases where the customers feel cheated as they do not find any office of the above reputed insurance companies in small villages and towns. To overcome this problem and to provide services like payment of renewal premiums Samadhan Kender has enabled the payments of insurance premiums of any insurance company listed above for which Samadhan Kender has been provided the premium CSC platform under Digital India programme of Government of India. 

Insurance Services Provided at Samadhan Kender

1. No extra Charges. Just Pay your Insurance Premium with us and get Instant Premium Receipt issued by the respective Insurance Company.
2. Samadhan Kender has data access to Insurance Policies of above 17 Life Insurance Companies and Samadhan Kender issues the valid Premium Receipt instantly, which is digitally signed by the respective Insurance Company.
3. Premiums can be paid one month is advance from the due date.
4. Customers have to provide the following information:

• Name of the Insurance Company
• Insurance Policy Number
• Date of Birth of the Insured

We also provide Duplicate Receipt service for the premiums paid through us at very nominal costs.

Note: Do you know that Samadhan Kender is UIDAI approved Permanent Aadhaar Enrollment Center, First of its kind, in Rajpura catering to the needs of Rajpura and its adjoining village.

Good News for serving or retired Punjab Government Employees

There is good news for all of you if you are:

• Serving Punjab Government Employee
• Punjab Government Pensioner
• Family Pensioner/Extra Ordinary Pensioner
• Serving MLA/Ex-MLA
• Serving or Retired All India Service Officer
• Serving or Retired Judge of Punjab and Haryana High Court/Other Judicial Officers

Now Punjab Government has introduced cashless health insurance named as Punjab Government Employees and Pensioners Health Insurance Scheme (PGEPHIS) to cover indoor expenses of the above categories of retired or serving employees/pensioners/judges/MLAs.

Punjab Government has tied up with MDINDIA HEALTHCARE SERVICES (TPA) PVT. LTD to provide Cash Less Health Insurance.

Visit SAMADHAN KENDER for your Cash Less Color ID Cards issued by MDINDIA, the third party administrator (TPA), which are must for availing cash less hospitalization. Sample Color ID card issued PGEPHIS is displayed above. To keep the privacy of the ID Card holder intact, the important items like Name, GPF/PPO Number, ID Card Number and Photographs of the ID Card and his/her dependents have been masked. However in case of any problem being faced by the retired or serving Punjab Government Employees/Pensioners/Judges/MLAs/All India Service Officers they can contact their district co-coordinators on their mobiles as displayed here.

Consult our Panel of Experts for all your solutions and avail more than 101 Services being provided by Samadhan Kender. 

Samadhan Kender wishes Happy Ram Navami to All

Samadhan Kender wishes all its readers, visitors and customers a very happy and prosperous Ram Navami. Let lord Rama solve all your problems and make you free from all sufferings.

Samadhan Kender is committed to provide solutions to all your worries and problems under one roof. With the grace of Lord Rama we have been able to bring smiles to so many faces since our inception in November, 2015.

Now Samadhan Kender has undertaken a mammoth task of providing solid Aadhaar to all the residents of Rajpura and its adjoining areas through fresh enrollments, new born and child enrollments, correction and updation of old wrongly issued Aadhaars, linking of Mobile Numbers with Aadhaars so that you can drive full benefits of welfare schemes being launched by Government of India. Need less to mention that Samadhan Kender is the first and unique Government authorized Permanent Enrollment Center in Rajpura after Suvidha Center situated in Mini Secretariat, Civil Courts, Rajpura.

What is the Difference between Suvidha Kender and Samadhan Kender:

Suvidha Kender	Samadhan Kender
You have to pay Parking Charges of Rs.20 for every visit .	No Parking Charges
Limited Working Hours	Working Hours 10.00 AM to 8.00 PM
Lunch Time Half Hour to One Hour	No Launch Time
Closed on Saturday and Sunday	Open 24x7x365 including Saturdays and Sundays.
Long Queues	No queues. Feel at home at Samadhan Kender
No Follow up for Aadhaar Enrollments	We make regular follow up and inform the citizens through Mobile Call and SMS about the status of their Aadhaar

Fresh Aadhaar Enrollment is in full swing at Samadhan Kender along with more than 101 Services being provided by Samadhan Kender under the banner of Common Services Centre as Samadhan Kender is Government of India authorized CSC Centre, first of its kind in Rajpura 140401 Punjab India.

Samadhan Kender is Single Window to Solve all your Problems

Visit Samadhan Kender to avail Expert Advice for following services:

Experts providing Samadhan at Samadhan Kender

1. Passport Services
2. Aadhaar Card Related Problems
3. Voter Card related problems
4. PAN Card related services
5. E-Filing of Income Tax Returns
6. TradeMark and Copyright Registrations
7. Online appointment with PGI Chandigarh
8. Free of Cost E-Locker for keeping all your scanned documents in        safe custody which can be accessed anytime, anywhere 24x7x365.
9. Matrimonial Services, Match Making Kundlies
10. Astrology Related Nivaran and Solutions.
11. Consumer Complaints against Private Companies, Service Providers, Central and State Government undertakings including Banks, Insurance Companies.
12. Free Wi-Fi Facility to make "Digital India" dream come true.
13. Payment of Electricity, Phone Bills, LIC or any other Insurance Premiums, Recharge of Mobiles, Dish TV etc., Booking of Railway Tickets, Air Tickets and Hotels.
14. Know your CIBIL score before approaching any Bank for Home Loan, Car Loan, Personal Loan, Property Loan or any other working capital. Our experts will also guide you how to improve your CIBIL Score so that your loan application does not get rejected.
15. Death Claims in respect of Bank Deposits, Lockers and Insurance Claims or claims with PF organisations.
16. Risk Free Retirement Planning to get Maximum Returns on Investment without investing in Share Market or Mutual Funds.
17. Banking Consultancy Services
18. Property Consultancy Services
19. Register with Samadhan Kender to get SMS Alerts for Job Openings matching with your qualification and interests.
20. Apply online for Government Jobs and Private Jobs.
21. Visit us to get your Birth Certificates, Marriage Registration Certificate, SC/ST Certificates or Death Certificates. Our experts will help you at every step
22. Visit Samadhan Kender for Advanced Legal Consultancy on difficult matters and to obtain Succession Certificates, Drafting and Registration of Wills.
23. Free of Cost Training and Learning Centre for qualified Graduates as to how to "Earn from Home"
24. Designing of Websites to make your presence on the Internet.
25. Online Advertising.
26. Any other service you can think of and all under one roof.

Samadhan Kender is looking for qualified sales girls to work on Commission Basis. Interested Candidates may visit Samadhan Kender, Near Bikaner Misthan Bhandar, Rajpura - 140401 Punjab on Rajpura-Patiala Road opposite Shivaji Park.

Inauguration Ceremony - Free of Cost fresh Aadhar Enrollment

Enrollment of Fresh Aadhaar, Child Aadhar, Correction and updation of old Aadhaars is in progress at New Aadhaar Enrollment Center at Samadhan Kender duly recognized by UIDAI. The enrollment, correction and updation of Aadhaars is going on uninterrupted w.e.f. 13th April, 2016 to onwards daily  at from 10.00 AM to 8.00 PM. Get enrolled Free of Cost...First time in Rajpura...

Fresh Free of Cost Aadhaar Enrollment opens at Samadhan Kender, Near Bikaner Mishtan Bhandar, Rajpura 140401 Punjab.

Get your Mobile Number updated in your Aadhaar to avail many facilities provided by Government of India. To know more the importance of your Mobile Number in your Aadhaar, Click Here.

Avail more than 101 services under one roof at Samadhan Kender and enroll yourself during the ongoing Aadhaar Enrollment Event during the whole month of April,2016.

Get Back your Income Tax Deducted at Source by Banks

Only yesterday a retired senior citizen visited Samadhan Kender to inform that the Bank had deducted 20% TDS from interest paid on his fixed deposits whereas he had duly submitted his PAN number to the Bank. 

When asked if he had taken any receipt from the Bank for having submitted his PAN, he answered in negative. Actually what happened ? The dealing clerk forgot to attache the PAN number in his customer ID and in the absence of PAN, the bank's finacle system deducted 20% TDS instead of normal TDS of 10%. Moreover the form 15-G submitted by him were also not accepted by the system in the absence of PAN Number.

The bank people rudely asked the senior citizen to get back the TDS from income tax department as they had no means to bring back the TDS already remitted to the Income Tax Department. The pensioner went to a learned Chartered Accountant to get back the TDS but the CA demanded huge fees. The pensioner felt cheated at the hands of his Banker, who forgot to add PAN number in his FD's with the Bank.

Our team at Samadhan Kender heard the whole story with patience and advised the old fellow to submit the PAN number and Form 15-G against proper receipt from the Bank so that he does not suffer again due to irresponsible attitude of the banker. We also advised that to get back the TDS, he will have to file IT Return for which he should not make hurry as before filing the IT Return we will have to check up his 26AS with TDS deducted at source. When our team members made a profile of the pensioner on Income Tax website we were astonished to find that TDS had been deducted in the previous years 2014-15 and 2013-14 also. We advised the hapless fellow that Tax pertaining to period prior to 31-03-2014 can not be claimed but TDS deducted during 2014-15 can be got refunded by filing IT return. On the request of the senior citizen, we  filed the IT return and assured him that all the TDS wrongly deducted by the Bank will land in his account as refund. He heaved a sigh of relief and thanked the Team at Samadhan Kender.

Soon Launching Registrations under National Digital Literacy Mission

After successfully launching the Common Service Center under Common Service Centres (Scheme) by the Department of Electronics and Information Technology, Government of India, Samadhan Kender, CSC approved by the GOI under Digital India Programme, is all set to launch the registration process under National Digital Literacy Mission of GOI.

Contact Samadhan Kender, the full fledged Common Service Center approved by GOI. Samadhan Kender is the first and only Common Service Center in Rajpura - 140401 catering to more than 50 villages in the Rajpura Block.

Sincere effort to make "Digital India" come true.

Do you get Rejected for Bank Loans by Banks?

Have you ever faced a situation when your banker or lending institution rejected your loan application and shut its doors for you due to poor credit rating or defective CIBIL Report. If yes, then we have solutions to solve your problem at Samadhan Kender. Our Panel of Experts will minutely examine your CIBIL report or credit report from other credit rating agencies like Equifax and suggest the remedial measures to convert your bad report into normal and healthy report. Samadhan Kender takes up your case with the Indian credit rating agencies like CIBIL, Equifax, Experian and CRIF High Mark for:

• Removal and Delinking of loan accounts of other consumers creeping into your credit reports due to similarity in names.
• If any bad loan wrongly creeps in your credit report it damages your credit reputation and all banks will shut their lending doors for you.
• But even if some good loan belonging to others creeps in your credit report then it may not damage your credit reputation but the bank may reject your loan application just for the reason that the wrong reported loan will adversely affect your debt servicing power or your repaying capacity.
• Sometimes even after you repay your loans the banks forget to close the loan accounts and such loans remain in open status in CIBIL though with Zero Balance. We will let you know the names of the lending institutions along with account numbers for loans adjusted by you long back and still appearing in your CIBIL report. We will arrange dialogue ,through dispute resolution mechanism, between such banks and credit agencies so that all such loan accounts with Zero Balance do not appear in your credit report.

Visit us immediately to get your CIBIL Report and setting it right lest your loan applications gets rejected at a time when you are in dire need of funds to run your business or finance your needs.

Latest Update on 23/07/2016: As per outgoing RBI Governor, Raghurajan, CIBIL will be providing one Credit Report to all individuals absolutely free so as to know their Credit Score before visiting any bank or lending institution. In case of any misreporting my any bank or lending institution the individuals will be at liberty to file petition with the Rating Agencies for rectification of their Credit Report and Updating the Credit Score.

Author's Opinion: Simply petitioning is not sufficient. Rather RBI Governor Raghurajan should propose to heavily penalize the banks and lending institutions for misreporting to CIBIL as misreporting tarnishes the credit reputation  of even honest individuals worldwide. Read Full Story.

Are you in a hurry to file your ITR for AY 2016-17 ?

With the close of financial year on 31st March every year the tax payers especially the salaried class employees rush to TRP's or their Tax consultants to file their ITR immediately and most of the TRP's and Tax consultants, in a bid to make money through professional fees and services, file the ITR's without bothering for the TaxPayer  whereas before filing the ITR following things are to be kept in mind:

• Check and Generate their TDS Certificates online through TRACES as manual or TDS certificates issued by the deductors are not valid. Insist on TDS Certificates Generated through TRACES bearing digital numbers allotted by TRACES and Income Tax Centralized Processing Cell.
• It is better to wait till 15th to 20th May so that all the tax deductions get reflected in you 26AS and there is no mismatch with the Form 16 or 16A issued by the deductors under various sections like 192, 194A, 194C etc. etc.
• Please ensure that your Aadhaar ID is linked to your PAN card number through Income Tax website so that you get rid of e-verifying or digital signing of your ITR.

Visit Samadhan Kender to know more about your ITR.