Comprehensive Credit Guidelines for Pisciculture (Fish Farming) Loans: Banking SOP
Pisciculture lending involves financing fish farming activities end-to-end—from pond creation and seed stocking to feed, health care, harvesting, and marketing—with bank SOPs focusing on borrower selection, project viability, risk controls, and compliant disbursement-monitoring cycles. Banks generally offer term loans for assets (ponds, raceways, cages, aerators, hatchery equipment) and working capital/cash credit for recurring inputs (seed/fingerlings,…
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How to Correct Aadhaar Details: Name, Address, DOB & Mobile Change
Keeping your Aadhaar details accurate is essential for hassle-free banking and accessing various government services. Whether you need to correct your name, update your address after relocation, change your date of birth, or link a new mobile number, UIDAI (Unique Identification Authority of India) provides convenient online and offline options for updating Aadhaar details. In…
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Section 138 NI Act: Supreme Court’s Fresh Perspective on Cash Loans, Partner Liability & Compounding
The latest Supreme Court pronouncements on Section 138 NI Act in 2025 reaffirm statutory presumptions in favour of the payee, clarify procedural streamlining for faster trials, and address key substantive issues like cash loans above ₹20,000, partnership liability, territorial jurisdiction, and the effect of settlements on convictions. Core holdings (2025) Key case highlights Notice…
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e‑Passport in India: Step‑by‑Step Process, Documents required, Fees, and Key Features
India’s e‑passport follows the same application flow as a regular passport through the Passport Seva system, but the booklet contains an embedded RFID chip compliant with ICAO standards for stronger security and faster immigration processing. Applicants apply online, book an appointment at a PSK/POPSK, complete biometrics and document verification in person, and receive the e‑passport…
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BIHAR State 2026 Bank Holidays
Here is the NI Act (gazetted) list of bank holidays in Bihar for 2026, as approved by the Bihar Government for observance under the Negotiable Instruments Act, 1881. Dates below reflect the state-notified list for banking operations and cheque clearing. Notes for practitioners Disclaimer: While due care and diligence have been exercised in compiling the…
DA Rates for Bank Staff: Nov 2025 – Jan 2026 Quarter
The Labour Bureau has released the Consumer Price Index for Industrial Workers (CPI-IW) for July, August, and September 2025 as 146.50, 147.10, and 146.90 respectively. The average CPI-IW for the quarter works out to 146.83. Based on this average index, the Dearness Allowance (DA) payable to bank employees and officers for the quarter of November…
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