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Bharat Vashistha

Art

Abstract Expressionism in Indian Art

Indian-Art

The artists who associate themselves within the loose boundaries of abstract expressionism adhere to a style that aims to portray the state of their psyche. These personal expressions serve as portals to universal truths and philosophy of life.The style originated in the post-war scenario of America, heralded by Harold Rosenberg.

Abstract expressionist art does not restrict itself to codified rules. Unlike the ancient tradition of producing a picture strikingly close to visual reality, this process veers towards the portrayal of the subconscious of the artist through colours and brushstrokes. Each individual has their own method of analysing abstract expressionist art, since each piece evokes a subjective emotion in the viewer.

There are two techniques of painting abstract expressionist art: the Action painting and Color Field Painting. Mark Rothko’s most reputed works are his later ones which are in the vein of Colour Field Painting. Rothko developed his own style over the years and finally, was able to express basic feelings like “tragedy, ecstasy and doom” through colours. Standing in front of his large canvases, the viewer feels the similar spiritual elevation that drove the artist. Colour Field paintings tap into the collective consciousness and lead one to primitive myths. Barnett Newman aimed to overwhelm the audience with colossal feelings through scale and colours.

Critic Harold Rosenberg termed the name Action Painting when he came upon the drip painting of Jackson Pollock. Pollock found that by placing the canvas horizontally on the floor, he could be the closest to his art because he could move around the canvas. Thus, action painting invioles the artist’s direct relationship with the canvas. Here, the canvas was an “arena” upon which you act out an event by regarding it as a space free of visual rationality and logical representation. Franz Kilne, Willem de Kooning and Joan Mitchel are some important composers of Action painting.

There are some board characteristics that define Abstract Expressionist paintings.

Firstly, the forms and structures that are depicted in the paintings might be inspired from visual reality but they are, primarily, conjured up in the artists’ mind. The colours and the patterns cohesively emote the concept that the painter has strove to convey.

And secondly, such paintings emphasize on spontaneous expression of the subconscious. Therefore, no strict rules exist to direct the technique and implementation.

Abstract Expressionism in India

Europe had been a centre of genius in the fields of art and culture with the likes of Van Gogh, Da Vinci and Picasso. When the Second World War deluged the countries involved, many European artists escaped to the United States of America for a better state of life. New York was laden with consequences of war and conflict in the years between 1943 and 1959. Yet, post-war American art reached a new epoch during the 1940s-50s and presented itself to the world as a force to reckon with.

Abstract Expressionism dominated the artistic scene of America as the first ever modernist movement of the country, upheld by the honourable critic Clement Greenberg.

In India, the movement of Abstract painting on Canvas flourished during the 1960s and 70s. Up until then, Indian artists explored the realms of traditional, indegenous techniques (like Batik, Warli and Gond) or delved into influences of Europe. In post-independence India, the autonomous technique of abstract expressionism became a significant form. Artists who championed the advent of experimenting with this modern style include H A Gade, Vasudeo S. Gaitonde, Ravi Mandlik and Natvar Bhavsar.

The abstract art movement in India communicated the artist’s mind through depiction of concepts and feelings. Eminent artists like Ram Kumar, S. H Raza, and J Swaminathan embraced the technique of abstraction.

Hari Ambadas Gade is recognised as a pioneer of abstract expressionist art in India. One of the principle founding members of Progressive Artists’ Group, Bombay (Mumbai), Gade believed in dynamic expression in art through unconventional execution. Instead of representing symbols of socio-political context, Gade ventured to portray abstract compositions of landscapes. He conveyed a unique dimension with the use of both palette knife and paintbrush. In the towns and cities of his canvas, the colours of nature blended smoothly with other objects.

H.A. Gade has a deep understanding of the use of colours: he used each for definition in picture. The way his works often denote a planned execution tends to his interest in Mathematics. His works show Cubist influences and thus, it makes his art all the more worthy of study.

V. S Gaitonde played a leading role in spreading popularity and knowledge about the style of abstract paintings in modern India. A co-member of Progressive Artists’ Group, Gaitonde arranged exhibitions on abstract art as well as took steps to mould his own identity as an artist.

As you move from artworks of 1950s to those of 1960s, you would notice the prominent transition from figurative to abstract. The artworks of Mohamedi incorporated calculated precision, and then Ram Kumar used fragmented tones and irregular lines. And finally, we come to Gaitonde’s spiritual endeavours.

Natvar Bhavsar is another notable name in the field of Abstract Expressionism. In his early career, he worked using Cubist techniques. He was introduced to the freedom and adaptability of abstract painting in New York City and thus, evolved his style in the Colour Field painting method. He integrated his methods with traditional Indian sand painting techniques.

Abstract art, and abstract expressionism in particular, liberated the artists into the world of their soul. Although the movements of the West gave a fresh milieu, abstract art has existed since prehistoric times. The cave paintings of Edakkal Caves of Kerala and the Ayers Rock in Australia are two examples. Today, the Mandala is regarded as another abstract way of depicting the spirit of the universe as felt by the artist in their psychological state. Indian artists, therefore, also had an ancient form of abstraction to derive inspiration from. The consequent products were a fusion of the ancient Indian and the Western influences.

Abstract Expressionist Art for Interior Design

Abstract paintings on canvas have achieved great recognition as the ultimate piece for interior designing. It is versatile and can mould its theme to the feel of the room. The colours, patterns and forms bring coherence in the decor and establish the desired atmosphere. Other than the fact that abstract paintings can appeal deeply to viewers, they also reflect the human condition of the 21st century. Young artists took up the mode of abstraction in India because of leading artists like Gaitonde. Indian art today adheres to the taste of a worldwide audience. Anyone seeking artwork for interior design can buy painting online . There are online art galleries, e-commerce websites as well as online auctions to pick your choice from. Art advisors and consultants are easily available to guide the process of selecting art for your interior space. Advent in technology and easier access has led to efficiency in buying, selling and distributing art.

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Technology

Why is iPhone one of the most preferred pre-owned smartphones in India?

On the heels of an OLX study that named the iPhone as the most preferred pre-owned smartphone brand in India, we decided to find out what contributes to this phenomenon. Appearances are everything in India. The older generation concern themselves with what others would think, while the younger generation is driven by the one-upmanship that is typical of lives that are lived out by way of stories on social media.

Moreover, Indians admittedly put great significance on the net worth of a given individual, or at least the net worth of their appearance and that includes not just their clothes and accessories, but also the gadgets that they have on their person.

This overall psyche has contributed to a must-have-iPhone ideology among youngsters who are willing to do second jobs at call centers, or helping out at event management companies, in order to supplement their pocket money. This is done in order to buy whichever edition of the iPhone 11 or the iPhone 12 that matches their lifestyle. This has resulted in the youngsters considering the option of pre-owned iPhones. An OLX study recently found that Apple leads the market with regards to pre-owned smartphones.  Let’s look at some reasons why.

Reason # 1: It is aspirational

As discussed above, when looking to make an impression, college-goers and young working professionals veer towards the iPhone. They feel like it renders them an overall wealthy, well-exposed, sophisticated first impression. People want the iPhone for the same reason that they want Louis Vuitton bags: to make a big impression.

Reason #2: iPhones are typically expensive

With prices ranging from approximately Rs. 30,000 to approximately Rs. 1,30,000, an iPhone commands a hefty price tag. Nobody wants to toss that kind of money on the counter if other options are available. Even buyers who buy the new iPhone without so much as batting an eyelid at its price, would not mind selling their older model for some amount of payback — capital that they will gladly put into a newer model.

For instance, a buyer might be happy to spend nearly Rs. 130,000 on the iPhone 12 Pro Max, but he might consider putting the iPhone 11 that he is using right now up for sale on an app for pre-owned goods. Some users also simply put up a post on social media.

As a result, there is not only tremendous demand for pre-owned iPhones, but also a good amount of supply. The OLX study found that iPhones contribute to nearly a quarter of both demand and supply when it comes to pre-owned smartphones — 25% and 21% respectively, to be precise. This is not even considering the iPhones sold via social media feed or word-of-mouth, not to mention the iPhones “passed on” from older siblings to younger siblings, or kids to their parents.

Reason #3: COVID-19

The cause for lots of things; people learning to bake, some gaining weight, others losing weight, some people losing jobs, others finding all new career trajectories. COVID-19 can also be credited to the increasing popularity of pre-owned iPhones. The uncertainty surrounding income and future income has prompted people to be more cautious with their spends even as mirror selfies notched their way back up the popularity charts.

So buyers want various versions of the iPhone 11 or the iPhone 12 as much as they did in pre-COVID times, and might even be able to afford it, but because they are uncertain about the future, they might not want to cough up the full price that one needs to afford when buying a brand new iPhone.


You may not have to settle for a pre-owned iPhone if the thought of doing so embarrasses you. Not that it isn’t a smart option, but admittedly some of us buy in to the pre-owned stigma more than others. You could instead opt to use yourBajaj Finserv EMI Network Cardin order to pay for your iPhone in easy monthly instalments that suit your income.

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Law

Need a Sponsor Licence – Here’s What you Need to Know

Over the last year, there has been a lot of talks regarding the UK businesses applying for a sponsor licence. There are many people who have been wondering why are the government and various immigration solicitors are pushing for businesses to apply for a sponsor licence immediately.

As we all know that the UK decided to leave the European Union and since Brexit has been creating waves both within the UK and the European Union in general. With Brexit, the free movement within the European Union came to an end and now if any UK business wants to hire any non-UK employee then they would need a sponsor licence to do so.

The sponsor licence just like everything has been divided into two parts, tier 2 and tier 5. Tier 2 is also known as the worker category under which people are hired for long-term jobs. On the other hand, the Tier 5 category is for temporary employment. They both have further been divided into sub-categories that businesses can choose from according to the relevance to them.

Everything has a very simple process and if you complete all steps one by one, you can have a sponsor licence in about 6-8 weeks. This application can now be made virtually and does not require you visiting government offices. All you need to do is make sure before making the choice of applying that your business is eligible for a sponsor licence or not. You will have to choose the type of sponsorship too as mentioned above, tier 2 or tier 5.

Sponsorship Management Roles

Once you have made a decision on the type of sponsorship, it is very important to hire or appoint someone to manage your sponsorship licence duties. It is a very tedious process and has to be handled properly as missing any one thing can lead to cancellation of your licence. There are 3 major hirings or appointments that you need to do. First is a level 1 user, who will be responsible for all the management of day-to-day tasks and updates. Second, a key contact who will be your point of contact with the UK Visas and immigration office and the third is the account manager who will be responsible for everything and will take care of the SMS. You can hire one person to manage everything or three different people, it will be your responsibility and choice.

The last but not the least complete your application and pay the fee. Sounds simple but it isn’t. It is advisable for you to hire an immigration solicitor to help you through the process.

Chances of Rejection

The chances of rejection of a sponsor licence are 2 out of 10 proverbially. The only reasons any application is rejected is either your business has a history of convictions like money laundering or if your precious sponsor licence was revoked due to any reasons.

Approved

Once approved you will be able to hire people from across the globe. To hire people you will have to make sure that they also are eligible under the visa requirements of the British Government like good character, language, etc. Every certificate of sponsorship that you assign costs about €199. Also, the time and energy you spent on finding the perfect candidate should not go to waste if they get rejected while applying for a tier 2 visa.

Hope this helped clear all your doubts regarding the hiring of employees from overseas. Do visit https://www.gov.uk/ to see if your company or business is BREXIT ready.

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Business

What Eligibility Criterias Need to Be Checked Before Applying for a Personal Loan?

If you have been thinking about getting a personal loan for some time now, then one question that has definitely pondered your mind is the eligibility criteria for getting a personal loan. And we understand that getting offers from multiple lenders can be confusing as each of them have slightly different eligibility criterias, albeit there being some similarities. 

Thus, in today’s article, we will share with you everything you need to know about eligibility criterias for getting a personal loan in India, whether you are a salaried professional or you are self-employed.

What Is a Personal Loan?

One of the first and most important aspects we need to understand, before learning about the eligibility criteria for personal loans is the meaning of one. 

In simple terms, a personal loan is a financial instrument through which you can borrow a certain amount of money, usually in the range of ₹10,000 to ₹25,00,000 and repay it back via a flexible repayment plan while enjoying the benefits of a competitively low rate of interest. 

The introduction of personal loans in India in the past couple of years has completely redefined the lending system in India as it develops on the shortcomings of traditional loans, we are all used to. Right from having a flexible repayment system all the way to instant Disbursal. 

Eligibility Criteria for Personal Loans in India

Now that you know all about personal loans let us take a look at the eligibility criteria. Eligibility criteria for personal loans generally vary between lenders and also the type of employment you are engaged in. Albeit there are some common eligibility criterias, you should be aware of, and these are as follows.

Salaried Individuals:

If you are a salaried employee in India, getting a personal loan is as easy as uploading a couple of documents and meeting the eligibility criterias mentioned below. 

  • Must be a citizen of India 
  • Must be an active resident of India at least for the past 1 year
  • Must be above the age of 21 years and below 59 years
  • Must have a PAN Card and Aadhar Card 
  • Must have salary slip, bank statement and ITR return available with them
  • Must have an in-hand monthly income of ₹13,500
  • Having a credit score of 600 & 750 on a scale of 900 across both CIBIL & Experian will help the application. 

Self Employed Professionals:

If you are a self-employed professional, getting a personal loan can be a little tough, but fulfilling the below-mentioned eligibility criteria will definitely make the process much easier. 

  • Must be a citizen of India 
  • Must be an active resident of India at least for the past 1 year
  • Must be above the age of 21 years and below 59 years
  • Must have a PAN Card and Aadhar Card 
  • Must have income certificate, bank statement and ITR return available with them
  • Must have an in-hand monthly income of ₹15,000
  • Having a credit score of 600 & 750 on a scale of 900 across both CIBIL & Experian will help the application.

There are a lot of verticals which differentiate traditional loans from personal loans. 

They are as mentioned below. 

  1. Rate of Interest

One of the first and most important differentiators between a traditional loan and a personal loan is the rate of interest. Most traditional loans in India arrive with a rate of interest starting at a minimum of 5% which is quite hefty. 

On the other hand, most personal loans start at an interest rate of 1.13%, which is one of the lowest in the market.

Not only does a low rate of interest help you save money in the long run, but it also makes sure that you do not come under a lot of financial stress by taking a loan. 

  1. Online Application

When it comes to traditional loans offered by banks and NBFCs, in most cases, you as the borrower need to visit the physical location of the bank to apply for this loan. Not only does a physical application process demand a lot of time and investment of resources, but it is also tenuous given the fact that you need to travel regularly, both to file your application and also check on its status. 

On the other hand, most personal loans in India have completely online processes, meaning that you can complete the application and get the money in your bank account right from the comfort of your home. 

This not only saves you a lot of time but also makes sure that you get the money in your account as soon as possible. 

  1. Flexible Repayment Plans

The third difference between a traditional loan and a personal loan is the repayment plans each of them offers. 

In most traditional loans, the lender fixes a schedule beforehand and determines both the EMI amount you need to pay every month along with the date at which you need to make the payment. While this might seem logical from the standpoint of the lender, in the long run, this might pose a financial burden for the borrower. 

On the other hand, most lenders offering personal loans have a feature wherein you can customise the amount of EMI you pay every month along with the date of the payment. This ensures that you can pay back your loan at your own schedule, thus further reducing the financial burden of taking a loan. 

  1. Instant Disbursal

Last but not least, traditional loans are infamous for the long wait times they arrive with for disbursing the loan amount to your bank account. And since in most cases, borrowers need the money instantly, like in case of a medical emergency, every minute counts and even a delay of a few days might cause serious harm. 

On the other hand, most personal loans come with instant disbursal, meaning that post-approval of your application, you will have the money in your bank account within 24 to 48 hours. Instant Disbursal not only saves you a lot of time but also makes sure that you get the money in your account when you need it the most.

As mentioned, eligibility criteria for personal loans can change depending upon the lender of your choice, and thus, we suggest that you check with your lender before applying. 

Ending Lines:

Getting a personal loan, especially in times when you need it the most, can help get out of otherwise stressful situations. So keep in mind the eligibility criterias as well as other details we shared in this article and use them to your advantage to get the personal loan you deserve.

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Business

Why choose field service management software?

FSM as the name suggests a software which was developed to manage Field services like operational and technical tasks. The choice of choosing the correct software rests solely on the consumer’s shoulder as different software solutions are offered by a variety of vendors and have a multitude of features.

But there’s something about FSM that sets it a class apart. FSM is preferred over other options due to a vast multitude of reasons. Here are the top 5 reasons to choose field service management software for your company:

Availability

Let’s face it, how can anyone expect technicians on the move to carry an eighteen-pound desktop around while finishing their heavy tasks in different parts of a city? No wonder Field service management software is preferred by those professionals who are always on the run.FSM’s are made for professionals who refuse to bow down to a static life, why then, should their software be stationary?

The best part about it is its flexibility and user-friendliness. The software is able even in the form of an app which is available for those who are always on the move. So no hassle of a desktop or system is required at remote places.

Low costs

Field service management software is boon to the pocket of the consumer as it doesn’t demand hefty installation costs and its maintenance is no sweat either. Not only that, operational expenses and other significant costs can be kept in check through FSM. It also gives ways of predicting and reducing various unnecessary costs that may be incurred in the future.

There is a lesser chance of computational and accounting errors with the advent of Field service management software. Hence, every accounting statement is made with precision and unmatched accuracy, which leaves little room for error and wasteful expenditure. That is why it seems to be an optimal choice to increase profit margins by companies these days.

Industry-specific

Field service management software is edge cutting and industry-specific, which offers specialized solutions to the user with an exclusive experience when compared to other available software in the market. FSM software even aids in managing records of communication and contact

However, they were initially designed to handle interactions of customers but later expanded to advanced management and sales features. FSM falls short when it tracks the information of its customer’spost-completion of tasks, not the information useful for making more sales.

Real-Time Tracking

The Geofencing and GPS tracking system come extremely handy with their real-time tracking ability that allows high octane and effectual scheduling and task assigning. Through Field service management software, customers can track the workers in real-time and also able to rate them as per their satisfaction.

This increases customer satisfaction and ease of operation on the user’s end. In the age of digitalization, customers can also generate invoices after the task expected is achieved, which saves them from unnecessary paperwork and spares them the horrors of mounts of papers.

On the company’s end, all paperwork is instead stored in the form of digitalized data that can be accessed from any place at any point of time. Thus, Field service management software offers a win-win situation for everyone.

The Perfect Matchmaker

The field service management software can be called the perfect matchmaker in its rights. For once, the Field service management software assigns an excellent specialist required to do a task. It matches a technician or a worker with a particular study based on his skill set.

Suppose a technician or worker is already familiar with the customer and is on good terms. In that case, he is usually assigned the same area as he is usually already familiar with the recurring problems. So here, a new worker would not have to spend more time inspecting the problem for the first time.

At times, the client’s history is also stored for better understanding and closer inspection of his problems. This allows room for a new technician to step in, in case of emergencies, if no other alternative is available and if previously familiarized technicians or workers are unavailable due to specific reasons. Thus, FSM software proves to be a true asset to any organization.

Conclusion

From the above discussion, we have seen that FSM software is the smartest choice to make to increase the efficiency of any organization due to its real-time tracking, digitized approach, low costs and industry-specific tools.

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Finance

5 Things to Look for in a Trading App for Faster Stock Research

online-stock-trading

The participation of people in the stock markets are increasing rapidly in India. In the past few years brokers across India have reported a surge in account openings. Today many budding traders and investors are looking to make a career in the stock markets.

But as new entrants in the markets, not all will have the knowhow and access to relevant information. HNI investors, stock market professionals and Fund houses have an array of resources and access to information available to them through which they trade in the markets.

But a young investor with a small capital, will need to do his own research and avail information from the exchange websites of NSE and BSE. To make lives easier for such investors, today many Trading applications are available. They also provide detailed information and data which if interpreted correctly can be quite valuable for trading in the stock markets.

With a variety of stock trading apps available on both the Apple App Store and Google Playstore, here are top 5 features you should look for in a trading app!

  1. Ease of Use

A basic requirement for any software or application would be its ease of use and the quality of its user interface. An app may have all the features in the world, but if the user experience and accessibility is not simple enough, then the app becomes worthless.

According to the founder of Zerodha, Mr. Nitin Kamath, one of the reasons how his broking company became the largest in India was because of his trading app Kite. He goes on to say that while founding Zerodha, he noticed how all his competition’s software’s were very complicated to use and looked obsolete. He then emphasized on creating an App which anyone could use and hired students from engineering colleges for this purpose.

By just creating a simple user interface and then adding features, Zerodha has become one of the most successful start-ups of India.

  1. Charting Tools

As a trader, be it for stocks, commodities or currencies, the most important feature would be an intuitive charting software. In Technical Analysis, charts refer to a series of prices of an underlying asset displayed on a graph. Traders, analyse such price charts with an attempt to predict the future price movements.

Before the dawn of the internet, traders used to manually enter data and draw charts over varying time frames. But today, charting has become much more detailed. With the help of AI and Data analytics, traders can not only view stock prices, but also overlay a lot more technical indicators over the price of the underlying.

Most traders would prefer apps which have an easy to use and comprehensive charting software with the ability to add many indicators and calculations.

  1. Fundamental Data

The above feature would benefit short term traders the most. But there should also be a feature which should benefit the long term investor in you. So a trading app should contain informative data for fundamental analysis.

These include key data such as information about the company’s management, shareholding pattern, Financial results and Algorithmic calculations of important accounting ratios such as PE Ratio, Profitability ratios and liquidity ratios.

  1. Scans

Every trader and investor has a unique strategy which they use for most of their trades. Someone could be a Price Action trader whereas another could rely on the RSI and a combination of other technical indicators.


But for anyone, finding stocks which satisfies their strategy could be quite cumbersome as there are over 6000 stocks listed on the exchanges in India. In such a case, Apps should provide a variety of scans, which anyone can enter and narrow down on the stocks which meet the requirements of the trader.

For example, let’s say Rakesh is a day trader who relies on candlestick patterns and the RSI to make positions in a stock.

In order to find which stock is showing a positive candlestick pattern and at the same time has a positive divergence or strength in the RSI, he would have to individually look at the charts of every stock. But with the help of a scanner, a list of stocks which meet his criteria will be easily available for him to trade on the go.

  1. Instant Stock Based News

News and information play a significant role in the financial markets. News is what drives people’s sentiments in the market. Any positive or negative event can be good for one company and the same could be bad for another. But to know what event has occurred when and where is what makes news so relevant.

For instance, let’s take the example of a recent deal between Reliance Industries and Google. Media outlets reported that Google was in talks to buy a stake in Reliance’s Jio platform. The deal was announced later, but the stock price of Reliance had already shot up by 5% in anticipation of the news.

So an essential feature of a trading app would be to have access to instant news that may impact the overall stock markets or any individual company.

Author’s Bio

Raghav Agarwal is a graduate in Business Administration. With a keen interest in the world of financial markets, he loves to read and write about various financial instruments. Currently he is working with Elearnmarkets.com as a member of the Knowledge team.

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Finance

Download Now HDFC RTGS Form

hdfc-rtgs-form

HDFC RTGS Form is used for sending the amount overhead of Rs 2 lakh through any HDFC Bank Account. HDFC NEFT Form is used for sending money lower than Rs 2 lakh through any HDFC Bank Account. You are required to fill the RTGS Form / NEFT Form for sending money. Now you can Download HDFC RTGS Form / NEFT within here for sending of money in India. Instapdf is the top place to download HDFC Bank RTGS Form, HDFC NEFT challan document.

Similarly, you can download the HDFC Bank RTGS form / NEFT Pdf file, HDFC Bank RTGS/NEFT Challan print out, challan document. This site similarly giving Application for RTGS Transfer of HDFC Bank /HDFC Bank Actual Time Gross Payment Apps etc.

HDFC RTGS System and HDFC NEFT System

Bank provides RTGS (Real Time Gross Settlement System) & NEFT (National Electronic Fund Transfer System) which permits a well-organized, safe, cost-effective, and consistent system of allocation of money from bank to bank in addition to from remitter’s account in a specific bank to the recipient’s account in alternative bank transversely the nation.

  • HDFC RTGS Timings: Time for allocation money over RTGS is Monday to Friday: 10 AM To 3:30 PM and Saturday (apart from 2nd and 4th): 10 AM To 3:30 PM.
  • HDFC NEFT Timings: Time for allocation money over NEFT is Monday to Friday: 10 AM To 4:30 PM and Saturday (apart from 2nd and 4th): 10 AM To 4:30 PM.

HDFC RTGS Form Requirements

In command to simplify an RTGS approach of allocation, one requests to refill the RTGS procedure of the bank after which the dealings are to be originated. HDFC is one of the foremost banks in the nation and has a moderately simpler submission procedure for its RTGS built dealings. The HDFC Bank RTGS Form entails the subsequent material from your finish:

Recipient Details

  • Name of the recipient
  • Account number of the recipient
  • Address of the recipient
  • Branch name and address of the recipient bank
  • Bank IFSC code of the recipient
  • The money you wish to send through RTGS.

Specifics refer to you

  • Name of the aspirant
  • Account number of the aspirant
  • The cash deposit by the aspirant
  • Contact specifics of the aspirant – Mobile number and email address
  • If the aspirant is a non-HDFC client, they essential to give their address.

Further Details

  • Name and code of the division from which your famine to pledge the course.
  • Date of procedure start
  • Time of procedure start

When you completely provide all this information, you may require to place your sign at the top of the form. The bank would then give the receiving print of the submission document. The HDFC Bank RTGS Forms ruins the similar for equally HDFC and non-HDFC clienteles. You can use the HDFC RTGS form for the NEFT document too. You have to assign your cheque end to end through the application document and the name of the recipient ought to be “HDFC Bank Ltd – RTGS”. If you have any worries concerning slightly of the arenas, you can contract out to any HDFC bank staff and they must be clever to aid you over.

Charges for HDFC Bank RTGS & NEFT 

The charges of RTGS and NEFT in HDFC Bank are mentioned under the table:

You can do NEFT AND RTGS through HDFC Bank mobile application. The best disperse in Online NEFT is It is free of charges.

  Amount of RTGS   Transaction Service Charges (Exclusive of GST)  
  Rs.2 lakhs and up to Rs.5 lakhs  Rs 15  
  Above Rs.5 lakhs  Rs 15  
  Amount of NEFT   Transaction Service Charges (Exclusive of GST)  
  Up to Rs.10,000/-  Rs 2   
  Rs. 10,001 and up to Rs. 1lakh  Rs 2   
  Rs. 100001 to Rs 200000  Rs 10  
  Rs 200000  Rs 10  
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Finance

What Does Public Liability Insurance Actually Cover?

If you’re a business, sole trader or are working as a contractor and have heard you need some kind of public liability insurance, despite hearing something about its importance, you might not actually know what it actually entails. In essence, public liability insurance is a means for people to cover damage to property or an injury that they cause while at work. This could mean that you’re covered for repair to the property that was damaged, medical bills if a person was injured, or legal fees should the case go to court. There are many more nuances related to public liability insurance, so in this article we take a look at what these policies specifically cover.

What public liability insurance does cover?

Even if you don’t like the look of a public liability insurance quote you’ve researched, without it you may have to contend with some very serious financial implications down the road. These implications occur because public liability insurance isn’t actually required by law in Australia, meaning there are many instances where people are not adequately protected. Perhaps the most basic aspect of public liability insurance is covering damage to property. Insurance in this case will cover the costs related to repairs or replacements of items that are accidentally damaged, which could be either big or small. Public liability also covers injuries due to an individual’s actions in the workplace, whether it be their own or someone else’s. The costs covered here will be related to things like medical bills and rehabilitation costs, although each case will be different. Legal costs are also covered by public liability in the event that you have to contend with a liability claim. It’s important to know that even if their claim doesn’t hold up in court, you may still need to pay the cost of the case out of your own pocket.

What doesn’t public liability insurance cover?

Public liability covers a lot, but it doesn’t cover everything. For example, while a liability claim might be successful, it may still not cover extra costs, including things like punitive damages, taxes and fines. Public liability insurance also doesn’t cover instances where property under the control of your business is damaged or when the property of employees is damaged. In the case of injuries to you or your staff, as these are not third parties, workers compensation insurance will instead need to be pursed. Although it should be obvious, any illegal or deliberately targeted behaviour that results in damage to property or injury to people will not be covered. There are a few other exceptions to the rule that are also not commonly considered, such as asbestos, pollution, aircraft products and any product recalls, although these things are quite uncommon for most workplaces.

Public liability insurance is valued for a reason There is a reason that many employers require contractors to have liability insurance cover – this form of insurance provides excellent peace of mind to both employer and employee, ensuring that any issues that occur in the workplace create a financial burden. After all, it only takes one small unforeseen accident to cause a smaller workplace to fold, and this can make the small cost of entry seem like a relative bargain in comparison!

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Travel

Amazing Things To Do In Edinburg

Edinburgh is the capital of Scotland, and a dynamic city loaded with culture, history, and wonderful scenes. Edinburgh has been a significant city for quite a long time, with attention to instruction and workmanship. Today, it is home to 500,000 individuals and various social occasions including the Edinburgh Fringe and Edinburgh Festival. The city has a loose yet vivacious vibe, with something new and energizing happening each week. Edinburgh is the ideal entryway city into Scotland and Scottish culture. Here are probably the best activities in this wonderful, quiet, and dynamic city. Explore your journey in Edinburg with the allegiant airlines flights reservations.

Edinburgh Castle 

Edinburgh Castle is a key segment of the city’s horizon. The manor sits on a tall stone, making it noticeable from numerous pieces of the city. The site has been utilized since the second century as its position is an ideal guarded area. For quite a long time, the château has been viewed as the way into the city controlling the mansion implied controlling Edinburgh. The mansion has housed significant figures in Scottish history, including Mary Queen of Scots and Bonnie Prince Charlie. Visit Edinburgh Castle to increase knowledge into notable life in the château. In plain view are the royal gems of Scotland, just as the Stone of Destiny which has been utilized in the crowning liturgy of British rulers for quite a long time. Make certain to stay for the discharging of the One O’Clock Gun, which has been shot each day aside from Sundays since 1861. 

Rulers Street 

One of the main spots you will visit in the wake of showing up in Edinburgh is the noteworthy Princes Street. This principle lane has been the core of the city since 1770, and is presently one of Edinburgh’s most mainstream retail center points. Visit Princes Street for a spot of shopping you’ll discover all the huge high road stores along this street. Rulers Street is additionally a brilliant area for history, with various important tourist spots close by. Here you will discover beautiful perspectives on Edinburgh Castle, various displays, and the Scott Monument, making it ideal for photography. In the wake of shopping or snapping, enjoy a reprieve in the Princes Street Gardens, which highlight a delightful botanical clock, a war remembrance, and exquisite green yards that are ideal for an outing. 

Holyrood Palace 

Holyrood Palace is the Scottish habitation of the British government, situated close to Edinburgh Castle. The royal residence was inherent in 1678 and has housed ages of rulers and sovereigns. Today, a significant part of the memorable royal residence has been protected so as to feature regal life in the seventeenth century. Investigate Mary Queen of Scots’ chambers which incorporates a room where her secretary was killed by her significant other in 1566. For some workmanship and a view into great duties, stop by the State Apartments which highlight compelling artwork are as yet utilized today by the British Royal Family. Finish your excursion with a rest at the royal residence bistro to appreciate an exemplary evening tea in an extreme setting. 

Camera Obscura 

Opened in 1835, Camera Obscura is Edinburgh’s most established vacation spot. The display focusses on visual figments, highlighting various encounters and hands-on exercises to investigate and appreciate. On location, you will discover a mirror labyrinth, an Ames room which will seem to recoil around you, and a vortex burrow which will incite a feeling of unevenness despite the fact that you are totally steady! Move to the rooftop to see the city from a brilliant vantage point, with free telescopes accessible for close-up sees. Camera Obscura gives a fun and family-accommodating approach to go through a day, deceiving your mind, and encountering a wide range of one of a kind sensations. 

Arthur’s Seat 

For outside aficionados, Arthur’s Seat is an absolute necessity visit. Arthur’s Seat is a torpid fountain of liquid magma and probably the most elevated point in Edinburgh. Climb to the top for stunning perspectives on the city and a hint of wild nature in the core of Edinburgh. Here you will likewise discover a slope fortification, dating from around 600 A.D. in spite of the fact that there are survives from more seasoned structures close by dating from 2 A.D. In folklore, Arthur’s Seat is viewed as a potential area for Camelot, the incredible manner of King Arthur. Arthur’s Seat is a sensational and recorded spot, and the ideal beginning stage to investigate the close-by slopes around Holyrood Park. 

Mary King’s Close 

Mary King’s Close is essential for Edinburgh’s Old Town, which comprised of various winding and restricted rear entryways called ‘closes’. Today, Mary King’s Close is a warren of underground sections and roads, having halfway crumpled hundreds of years back. Book a visit with The Real Mary King’s Close to investigate the intriguing history of this once-clamoring Edinburgh road. Find out about existence in the closes, just as the bits of gossip about hauntings and gristly killings that have grown since the breakdown of the nearby. The nearby has been all around protected with the goal that its history is noticeable in every last bit of each road. Local escorts are even costumed to give a vivid and fascinating experience. This is an incredible method to find out about existence in old Edinburgh. 

St Giles’ Cathedral 

St Giles’ Cathedral is the chief church in Edinburgh and a key element of the city’s horizon. It was implicit the fourteenth century and exhibits unmistakable gothic-style engineering that is ordinarily found in Edinburgh. The basilica is home to various remembrances for Scottish individuals of note, just as wonderful recolored glass windows. The congregation holds unique ringers dating from the fifteenth century, just as the King’s Pillar. The Pillar bears the escutcheons and middle age shields of antiquated British lords.

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Business

What is the main function of a logo?

logo design

The logo, identity, and brand

A logo is a symbol or sign that aims to identify an entity or a company. The logo does not function as a sales tool, but rather serves to symbolize identity. A logo represents a company like a face that represents a person. We use a logo to remind people of a company’s service, quality products, and other similar qualities.

Identity is totally based on the aspects of a brand. It is the appearance of an organization in visual forms through the use of typography, color, and images. Identity generally refers to guidelines specifically designed as a guide for the visual description of a business. Common examples of identity include visual tools such as stationery design, brochures, flyers, websites, signage, uniforms, and other similar visual tools.

The general perception that a brand is limited to its logo, slogan, colors, and typography. A brand is the emotional perception of the integral image of a company. The process of coherence and commitment contributes to the construction of a brand. The positive perception will only be established if the company provides good service and quality. Any company can try to establish its brand in a positive way, but the decision rests with the customers.

Graphic software for logo design

You should design the logo in vector graphic format, which is based on dashes and dots on the computer so the size can be enlarged without affecting the quality or resolution of the image. This is completely different from the raster or bitmap format that is created with the pixels in an image. There are many vector-based design applications you can choose from, such as CorelDraw, Adobe Illustrator, or Inkscape.

Criteria for a good logo

Some of the criteria that used to design a logo:

Simplicity: a logo is always simple, based on the principle of ‘less is more.’ It is because a logo is evaluated for its operability, not its aesthetics. Its simplicity will make it easier to identify the functions represented in it.

Individuality: The unique a logo is, the easier it is to notice or identify it, among others.

Memorable – A good logo can be easily remembered. A memorable logo can enhance your business image and brand.

Relevance: The main purpose of the logo is to provide identification; there must be a clear relevance between the business represented and the logo.

Flexibility – Logos must be flexible enough so that they can be easily applied to a wide variety of visual media, such as engraving, screen printing, or 3D signs. This flexibility depends on the simplicity built into a logo.

Timelessness – Logos are generally used for very long periods, perhaps decades. If your logo is too modern, you will have to redesign it after a certain period of time, which will make it inconsistent and confusing for customers. Also, the redesign costs are quite high.

What you think if you saw a logo design that incorporates an image of huge, muscular men with a font written in bright, dazzling colors?

Will you trust him? I doubt!

Physical fitness is important in life, which is why there is a steady increase in the number of fitness service providers around the world. The exponential growth of fitness centers has resulted in stiff competition to stand out. In competition, a well-designed fitness logo is necessary to fully convey your message and make your brand unique.

Designing a good logo is the first step in establishing an identity. The fundamental function of a fitness logo is to represent health, strength, and fitness.

The question is how to design a distinctive, attractive, and unique logo for your brand.

What image should be used?

Most of the time, fitness logos are designed with an image of a man or a photographed representation; this is too boring, generic, and out of date. Try something different and unique, use illustrations with fancy fonts and colors. Instead of creating abstract designs to symbolize people, use your environment or location for inspiration. Do not use on Muscle Men or fierce animal images as Gym Central Image.

Appropriate color scheme

Anything can be used when it comes to color. The vibrant and strong colors give a refreshing look, subtle colors can also be used, but again the main purpose of the logo is to attract attention and create interest in the target market, so the vibrant colors are more striking and robust. Do not wear excessive black or colors that are generally associated with women.

Font style

You want to sound professional to your audience. Using a simple, straight font will give you a look you want. If you want to be experimental, use the 3-D effect or give it a forward lean touch that symbolizes speed and strength. Don’t use hyphenated fonts as it doesn’t give your logo a professional look.

Work with a professional

Working with a professional for logo design is always recommended. Many companies are hesitant to invest in logo design and prefer to do it themselves.

Although today the Internet offers many free services and tools to design your own logo. But the logos produced using these tools and techniques generally lack a professional touch. Do not design completely on your own without proper knowledge of the procedure; seek help.

Keep these points in mind and stand out from the competition.

Apart from everything, the main importance of a logo is to create a visual identity, rather, to create the personality of a company. Color plays a vital role in creating logos. Color should be used to label or hierarchy, to represent or to unify. Secondary colors can be used to harmonize the main color palette. Supporting colors are used to keep the design fresh and forward-thinking. A harmonious effect must be created through the color used in the logo; it must be unique, versatile, and functional. Few balances must be maintained when creating it; a balance between color, shape, and position is essential. Symmetrical balance, asymmetric balance, and the radial symmetric balance must also be maintained.

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