June 28, 2018 in News, Only Happened In India

Not Claiming Reimbursement Benefits From Your Employer? Read This

Companies often offer the option of filing medical, conveyance and telephone bills to their employees, to claim income tax deduction. However, a significant majority of employees opt out of it thinking that this will increase their-in-hand salary, a survey found. The survey by data measurement company Nielsen and fintech startup Zeta stressed on the need to make employees aware of the income tax benefits that these reimbursement claims offer. A total of 56 six per cent of employees who opt out of reimbursements do so for a higher in-hand salary, according to the findings of the survey.

“Because reimbursements are first deducted from salary (before being credited upon bill-verification) there’s a sense of loss employees perceive. Those who have opted out of employee benefits thinking they’ll get a higher in-hand salary are therefore foregoing an actual profit in the future for a notional benefit in the present,” the Zeta-Nileson report stated.

Offerings under tax-saving benefits

Most popularly, medical reimbursements, telephone/internet and fuel reimbursements have been offered in companies as tax-saving benefits to employees. Leave travel allowance (LTA) and a gadget or asset allowance are also offered frequently in many companies, although these are sometimes reserved for higher-salaried or senior employees. Medical reimbursements has traditionally been the most sought-after benefit, but that will now undergo a big change, as standard deduction of Rs. 40,000 will be introduced with effect from financial year 2018-19.

Contrary to belief, not many companies prefer to provide meal vouchers, according to the report. Gift vouchers are the least popular employee tax benefit of all, it noted.

Digital filings for reimbursements
The research insisted that the process for filing reimbursement claims needs to be simplified. The survey found that 62 per cent of employees claim that the reimbursement process is time-consuming and 23 minutes is the average time taken by an employee to submit a single claim.

Employees lose productive time in submitting these reimbursements claims. According to the survey, 90 per cent of them prefer digital reimbursements. This is in stark contrast to the fact that only 6 per cent of all companies surveyed provide it. Managing physical/paper bills, especially illegible and invalid ones, can cause major delays in the process. Stalled verification can cause undue anxiety to employees, who have no efficient way of tracking their claims. Many companies take more than eight days to process each claim, with some taking upwards of two weeks.

“Make the process transparent, make it easy, and make it relevant. That’s when employees are encouraged to opt in for something, and value it,” stated the report.

A total of 1,233 employees were interviewed in the Nielson-Zeta survey. About 568 of them were from the manufacturing sector and 665 from the services sector. Full-time employees of companies, who have worked in the company for at least two years and are eligible to receive tax-saving reimbursements, were interviewed. A total of 194 companies were covered in the survey. Out of this, 92 companies were from the manufacturing sector and 102 are from the service sector. The research was conducted by Nielsen during August 2017 – February 2018. HR/finance/admin personnel who are key decision-makers in deciding reimbursement policies or are responsible for processing employee reimbursements, were also a part of the survey.

Source by ndtv..

June 21, 2018 in News

Income Tax E-Filing Deadline: Use Tax Calculator To Ascertain I-T Exemptions Accurately

As the July 31 deadline to file income tax (I-T) return by salaried individuals draws closer, you would get unnerved in case you fail to cull out important nuggets of information required to file the income tax (I-T) return accurately, especially when you don’t have a tax expert to fall back upon. Remember that the incorrect return is likely to draw the tax department’s attention, which might even send a notice asking for explanations, an occurrence you would like to evade at any cost. The income tax department, however, has made its e-filing website quite comprehensive so as to help the tax payers not only file the income tax return smoothly by filing ITR forms, but also calculate the income tax and various exemptions accurately.

You can mention the figures inside the window, the system will tell you to write the figure under various categories. The sum total of all figures will not exceed the total exemption allowed in the Income Tax (I-T) Act, 1961.

Similarly, in the case of Section 80 C, you get something like this. It is worth noting that the total limit will not exceed what is prescribed in the Income Tax Act, 1961 and the rules thereof even if try writing a higher amount. In the window shown below, the section 80C exemption is capped at Rs. 1,50,000, so the window shows only this amount and not Rs.2,00,000, as written by the visitor.

One can calculate exemptions under section 80C of I-T Act in the above-mentioned window

In case of case of section 80D, you get to see the following window.

After calculating various exemptions, one can calculate the total taxable income by clicking the taxable income window. The revised income tax (I-T) returns can be filed by March 31.

source by:-ndtv

June 19, 2018 in Health Care and Wellness, News, Tips and Tricks

Amazon Now re-brands itself as Prime Now, promises 2-hour express delivery

Amazon India has rebranded its grocery services as Prime Now which promises to provide 2 hours express delivery to its prime members. The Amazon Prime Now app is now available for download on Android and iOS devices. Talking about the launch, Head of Prime Now, Amazon India, Siddharth Nambiar said that they have invested in the customized infrastructure of fulfilment centres (FC) for faster deliveries and chill chains to maintain temperatures at optimum conditions for leafy products.

“On Prime Now, customers can shop for products from our Now store which is fulfilled by Amazon. We have invested in the customized infrastructure of fulfilment centres (FC) for faster deliveries and chill chains to maintain temperatures at optimum conditions for leafy products and dairy products like curd and paneer. We are encouraged by the strong customer response and quantities ordered have grown by 90% monthly since the launch of the NOW store,” he said.

Here is everything new for customers:

– Prime Now will provide exclusive Express 2-hour delivery to Prime members anytime between 6 am to midnight (order as late as 10:00 PM for midnight delivery). Same-day and next-day delivery will remain available for all customers, in convenient 2-hour slots from 6 am to 12 midnight.

– Prime Now, which is an app-only ultrafast service, is available to customers in Bengaluru, Mumbai, New Delhi and Hyderabad catering to the urban family that values convenience.

– It will take orders as late as 10 pm for midnight deliveries.

– This app-based service will give access to more than 10,000 products such as fruits, vegetables, home and kitchen items etc to its costumers.

– The app offers cash back on the first order and this is in addition to the discount offered on various items available on Prime.

– Amazon will deliver items through its store – Now store which offers a range of over 150 perishable grocery items and the items are updated with every season like seasonal fruits.

– In addition to that, the online retailer has partnered with various local and big stores like BigBazaar, HyperCity, Spar. Hence, the customers can now get items from these stores within 2 hours as well.

– Amazon Prime Now will allow the customers to claim a refund on expired or defective products within 10 days of delivery.

Sameer Khetarpal, Director – Category Management (Grocery), Amazon India said that the company is excited about scaling up the segment. He said that the app will also allow the customers to get access to popular Amazon bestsellers.

“We are excited about scaling up our grocery experience with a significantly expanded selection and new delivery services with Prime Now, an Ultrafast App, for ‘delivery in hours’. Customers can access fresh quality of fruits & vegetables, staples, and also get access to popular Amazon bestsellers. With new delivery hours, and over 10,000 products fulfilled by Amazon, customers can look forward to a fast, convenient and trustworthy shopping experience on Prime Now,” Khetarpal said.

Source by financialexpress

June 15, 2018 in News, Only Happened In India, Tips and Tricks

Sharing ATM PIN with your spouse could cost you heavily

Most of us wouldn’t think twice about handing over our ATM-card to our spouse to withdraw money for us.

But it cost a Bengaluru couple three years of running around, financial losses and mental peace to learn that they shouldn’t.

It happened because they didn’t pay attention to a basic rule: never share your ATM PIN with anyone. Here’s what happened.

Case: Here’s what happened

On November 14, 2013, days after she had given birth, Marathahalli resident Vandana gave her SBI debit-card to her husband Rajesh to withdraw Rs. 25,000.

Rajesh swiped the card, the amount was debited, but cash wasn’t released.

He immediately contacted customer-care, who told him it was a glitch and that the money would be reverted to the account in 24 hours, but it didn’t.

Bank: Initially, bank claimed the transaction was successful and correct

Rajesh then approached the bank’s Helicopter Division branch to lodge a complaint. To their surprise, SBI concluded they had received the money and closed the case.

With much difficulty, they secured the CCTV footage which showed money wasn’t dispensed.

They also obtained a cash verification report of the ATM for that day, which showed excess of Rs. 25,000 in the machine.

Proof: Couple approaches consumer forum, demands a refund from SBI

Once again, they contacted the bank. This time, an investigation committee noted that Vandana, the cardholder, wasn’t seen in the CCTV footage.

Despite their pleas, the ombudsman ruled, ‘PIN shared, case closed.’

They finally approached the Bangalore IVth Additional District Consumer Disputes Redressal Forum on October 21, 2014.

Justifying their PIN-sharing, Vandana said she had just given birth and couldn’t go out of home.

Verdict: After three long years, forum rules in the bank’s favor

The case went on for 3.5 years. Vandana demanded a refund, while SBI cited its ‘non-transferable’ rule and refused, saying the ATM user wasn’t the account-holder.

Sharing of ATM PIN with anyone is a violation, it insisted.

It also produced documents that showed the transaction was successful and technically correct.

On May 29, the consumer forum finally ruled in the favor of the bank.

Options: So what do I do in case of emergencies?

Almost any husband and wife will unavoidably need to take the other’s help in transacting from their own account, maybe during sickness or some kind of emergency.

There are other ways to do it. You can give your spouse a self-cheque, or a letter authorizing a withdrawal, so they can legally withdraw money from your account.

Another option is to open a joint account.

Source by yahoo..

June 14, 2018 in News, Tips and Tricks

SDNS AND NFV ARE COMPLEMENTARY AND CORE COMPONENTS OF MODERNIZED NETWORKS

Software-defined networking and network functions virtualization both untie tasks and functions from hardware and provide agility, one for the network itself, the other for network services..

The terms software defined networking (SDN) and network functions virtualization (NFV) are often used interchangeably, which is incorrect. In a sense, the two are tied together as companies start using NFV as part of their SDN plans but that doesn’t have to be the case.

Enterprises could maintain their current network architecture and shift to NFV or they could roll out an SDN and never leverage the benefits of NFV, so it’s important to understand what each is and the benefits of both.

What is software-defined Networking

SDNs are a fundamentally different way to think about networks. Technically, SDNs can be defined as the separation of the management, control and data-forwarding planes of networks. Many people, including technical individuals read that definition and say, “So what?”, but the separation of these planes has a profound impact on networks and enables things that have never been done before.

Historically, management, control and data forwarding were tightly coupled together. This meant each network device such as a router or a switch needed to be configured independently, typically through a cryptic command line interface (CLI), which makes operating a network challenging.

Any time a change needed to be made to the network, even a small one, each network device had to be reconfigured independently. For small networks, this is an annoyance. For medium and large networks, the manual nature of the work could bring things to a crawl. In fact, ZK Research conducted a study in 2017 and found that in large enterprises it took an average of four months to implement a change network wide.

This might have been fine a decade ago when businesses weren’t as dependent on their networks as they are today, and network changes were only made infrequently. In today’s digital era, companies compete on speed, and four months is far too slow for the network to keep up with the business.

SOFTWARE

What is software-defined networking (SDN)? (2:37)

SDNs decouple control, management and data forwarding

By extracting the control and management planes from the underlying hardware, they can be abstracted into a software layer that is independent of the hardware and centralized via a controller. The controller can be a physical device, virtualized or deployed in the cloud. This model enables network engineers to make a change in a GUI – instead of using CLI – and then propagating it across the entire network with a single click of the mouse. Network changes can be done at the speed the business requires.

SDNs improve security

In addition to speed and agility, another benefit of SDNs is improved security using micro-segmentation. Traditional networks use virtual LANs (VLANs) and access control lists (ACLs) for coarse-grained segmentation. SDNs enable the network to be partitioned at a much more granular or fine-grained level. Also, because the segmentation operates in an overlay network, devices can be assigned to segments by policy. If the device moves, the policy follows without automatically.

SDN enables programmable networks

Another benefit of SDNs is the network becomes programmable. SDN controllers expose northbound APIs that application developers can use to interface with the network so applications can dynamically configure it to reserve bandwidth, apply security or whatever else the apps may require. The programmability also enables networks to be orchestrateable through the use of common orchestration tools like Chef, Puppet and Ansible. This means networks can be better aligned with DevOps initiatives.

SDNs work with most hardware

Also, with SDNs the network becomes hardware agnostic where the overlay controllers can work with a wide range of hardware, include white-box switches. Most customers choose a turnkey solution that includes hardware and software from the same vendor, but SDNs do present the opportunity to move away from that model, if a business chooses.

One of the more underappreciated benefits of SDN is that it increases network uptime. ZK Research has found that the largest cause of downtime, 35%, is from configuration errors related to human errors. This happens because of the manual nature of a CLI and the fact that tasks have to be repeated over and over. SDNs automate the configuration, which can eliminate self-inflicted downtime. Offloading these tasks also lets network engineers focus on more strategic initiatives instead of spending most of their day “keeping the lights on.”

What is network functions virtualization (NFV)?

An SDN is a critical step on the path to a modernized network, but many services, such as routing, WAN optimization and security are still tied to the underlying hardware. As the name suggests, network functions virtualization solves this problem by decoupling the network function from the hardware, virtualizing it allowing it to be run in a virtual machine on any compute platform a business chooses.

NFV is similar but different from server virtualization

NFV is similar to the transition that the server industry experienced when server virtualization went mainstream. With server virtualization, applications ran as virtual workloads in software, which lowered cost and increased hardware utilization. With NFV, these benefits can be applied to the network as network services running as virtual workloads.

To date, the majority of NFV deployments have been carried out by service providers, but recently NFV has become a priority for digital companies. A 2017 study by ZK Research found that 61% of respondents are researching (29%), testing (13%), planning to deploy (10%) or have deployed (9%) NFV; NFV is coming quickly.

While there are similarities between server virtualization and NFV, there is a major difference. The primary use case for server virtualization has been to consolidate servers in a data center. NFV can be used in a data center, but it’s sweet spot is bringing network services to other points in the network including the branch and the cloud where there are no local engineers.

NFV increases service agility

For example, a business that wants to take advantage of local internet breakout where branch workers can access internet services – such as accessing SaaS apps directly instead of going through a central hub – could leverage NFV to secure the traffic. Typically, this would require a physical firewall (or a pair of them for redundancy) to be deployed in every branch office with local internet breakout. This can be a very expensive undertaking given the cost of next-generation firewalls. Also, it could take months to purchase the firewalls and have an engineer travel to the branch and deploy them. With NFV, the firewall functionality can be virtualized and “spun up” almost instantly, making them fast and easy to deploy.

Today, competitive advantage is based on a company’s ability to be agile, adapt to changes and make rapid transitions to capture new business opportunities. Virtualization and containers have increased compute and application agility but the network has remained relatively static. The long lead times to deploy, change and optimize the network should be considered the hidden killer of companies as that can hold companies back from implementing digital initiatives.

Software defined networks increase the agility of the network ensuring it is in alignment with the rest of the business. Network functions virtualization is a complimentary technology that makes network services agile. The two together are core building blocks to modernize corporate networks.

This story, “SDNs and NFV are complementary and core components of modernized networks” was originally published by Network World.

June 14, 2018 in News, Tips and Tricks

APPLE BANS CRYPTOCURRENCY MINING APPS ON IOS TO PROTECT MOBILE USERS

Apple has created new rules for app developers that ban the creation of cryptocurrency mining services on mobile devices.

Using an iPad or iPhone to mine bitcoin or other cryptocurrencies would be hard to do, as the CPU power available to complete the task would be a drop in the bucket compared to what’s needed.

But using a portion of the CPU power from thousands of iPads or iPhones to mine cryptocurrency makes more sense – and that’s exactly what some malware has been doing.

Apple is now moving to stop the practice.

The company released several rules changes for developers at WWDC last week, but rolled out the modifications with no fanfare. This week, however, Apple Insider discovered a section of the company’s developer guidelines under the heading Hardware Compatibility specific to the malware issue; it states that any apps, “including third party advertisements displayed within them, may not run unrelated background processes, such as cryptocurrency mining.”

Though some might question the Apple edict, the decision still makes sense, according to Martha Bennett, a principal analyst at Forrester Research.

“Just like with all the cryptocurrency mining utilities you get for PCs (in the shape of apps or browser plug-ins, most of which are malware), they thrash your CPU, and if you’re running on battery, which you almost invariably are on a mobile device, they drain your battery,” Bennett said via email. “Plus, Apple won’t want to be associated with all the shady stuff that’s going on in relation to cryptocurrencies.”

Apple may not be the only taking that tack. While there has been no similar change yet on the Android side of things, Google is keeping the door open to the same kind of move. The company updates its user policies on a monthly basis, a spokesperson said, when asked about the possibility of a cryptocurrency mining ban.

The problem with malware that siphons CPU cycles from desktops and mobile devices for the purpose of cryptocurrency mining is relatively new but growing quickly. For example, cryptocurrency mining service Coinhive has been cited as one of the top offenders for spreading malware for its own purposes.

Coinhive uses a small piece of JavaScript that installs on websites and in advertisements; the code then hijacks a portion of the compute power of any device using a browser to visit that site. Essentially, it unwittingly enlists a device to mine Monero cryptocurrency. The practice is known as cryptojacking.

Not surprisingly, the rise of “cryptomining” malware over the past year seems to reflect the rise of cryptocurrency itself, according to antivirus vendor Trend Micro.

Trend Micro’s research data showed cryptocurrency mining has overtaken ransomware in North America. The first quarter of 2018 saw information theft malware being the most detected event in end user devices, with cryptocurrency mining close behind, a report stated.

Cryptojacking malware cryptocurrency bitcoin — Cryptojacking malware was second only to information theft malware.

“Cryptocurrency mining presents a more furtive and passive alternative to ransomware,” a Trend Micro spokesperson wrote in an email reply. “Due to the nature of cryptocurrency mining, a single infection might not provide cybercriminals as much profit as they would from other types of malware. However, a cryptocurrency miner’s stealth and longer infection time mean less work on the attacker’s end.”

Cryptocurrencies are created through a process known as Proof of Work(PoW). PoW algorithms force computers to expend CPU power to solve complex cryptographic-based equations before they’re authorized to add data to a blockchain-based, distributed ledger; those computer nodes that complete the equations the fastest are rewarded with a portion of digital coins, such as bitcoin. The process of earning cryptocurrency through PoW is known as “mining” – as in mining bitcoin.

Garnering valuable cryptocurrencies has become so popular that people, groups and even companies have set up mining rigs and data centers with thousands of servers for the express purpose of generating bitcoin or other cryptocurrencies.

The purchase price of GPUs and ASICs has shot up as a result and some nations and cities have even restricted mining operations because of the amount of electrical power they’re using.

For a single iPhone or iPad, the CPU drain from mining could be significant, even as part of a hive mining cryptocurrencies.

“I’m not sure many users would be sophisticated enough to understand that mining takes up all of the resources on the device. And if it’s a third party installing it on devices in secret, that’s even worse for the end user and the ramifications it could have with Apple support, not to mention all the negative social media posts,” said Jack Gold, principal analyst with J. Gold Associates.

“It makes sense to me that Apple be proactive and make sure this doesn’t become a real problem,” he said. “It will be interesting to see if others go down the same path.”

This story, “Apple bans cryptocurrency mining apps on iOS to protect mobile users” was originally published by Computerworld.

June 14, 2018 in News

Govt says No more electricity bills to your home! Here is why…

Electricity bills reaching homes will be a history soon as government is currently planning to revolutionize the entire billing system by making all meters smart prepaid in the next three years. “In next three years metering will go smart prepaid, and gone will be the days of bills reaching your house. So need of the hour is to scale up manufacturing of smart prepaid meters and to bring down their prices.” an official release reported citing R K Singh, Minister of State(IC) for Power and New & Renewable Energy.

During an interaction with smart meter manufacturers, the minister also said that there is a need to scale up the manufacturing of these meters as the the coming few years will pose huge demand for them. The smart prepaid meters should be made mandatory after a particular date, the minister also advised the officials of the power ministry.

The plan of the government to fast introduce smart meters in the country will not only revolutionise the power sector but also reduce AT&C losses, ensure better health of DISCOMs, incentivise energy conservation and ease bill payments and also generate skilled employment for the youth, the minister said.

It was also decided in the meeting that the technical aspects will be further deliberated into in consultation with meter manufacturers, DISCOMs and system integrators.

Meanwhile, the government announced Rs 1.4 lakh crore KUSUM scheme to promote the use of solar power among farmers. The scheme will be implemented from next month. According to the government, 4 crore families targeted under the SAUBHAGYA scheme would get electricity connections by December, ahead of the March 2019 deadline.

“The KUSUM (Kisan Urja Suraksha Evam Utthaan Mahaabhiyan) will be implemented in July. Under this scheme farmers would be provided with solar water pumps,” the minister of power and new & renewable energy said at a press conference. Under the scheme, the government has planned to provide 27.5 lakh solar pumps (17.50 lakh standalone + 10 Lakh Grid-connected).

Source:- financialexpress

June 14, 2018 in News

Penalty of up to Rs 10,000 for dishonour of cheques

Cost of up to Rs 10,000, apart from interest at a rate between 6 and 9 percent will have to be paid by any person of company for cheques being dishonoured. This new circular has been sent to all subordinate courts by high courts as per direction from the Supreme Court.

The circular (see below) states that the complainant will have to fill up a prescribed form for this matter and the cost amounts are also tabulated. This is as per section 138 of the Negotiable Instruments Act 1881.

The circular says that the court shall issue summons in which the court will have to specifically mention the amount to be deposited by the accused (one whose cheque has been dishonoured for insufficiency, etc.), which shall include “the principal amount of the cheque, the amount of interest calculated at the rate between 6% to 9% per annum considering the facts and circumstances of the case, and also the cost…”

A cheque dishonoured is a criminal offence in India.

Penalty of up to Rs 10,000 for dishonour of cheques

—India Legal Bureau

Source by indialegallive

June 11, 2018 in News

Airtel revises Rs 149 recharge pack again, now offers 2GB data per day

Reliance Jio effect: Airtel has revised its popular Rs 149 recharge pack, which now offers 2GB of data per day instead of 1GB.

Bharti Airtel has revised its popular Rs 149 recharge pack, which now offers 2GB of data per day instead of 1GB. According to a report from TelecomTalk, the recharge pack is not available across all telecom circles and only a handful of users will get the benefit.

The Rs 149 recharge plan gives users 2GB of 3G/4GB data per day for a total period of 28 days. That means the plan will offer 56GB of data at a per GB cost of Rs 2.68. As expected, the plan also offers unlimited calls (local, STD, and roaming), and 100SMSes per day. Just to recall, Rs 149 prepaid recharge pack was refreshed back in January to offer 1GB of data per day, unlimited calling benefits, and 100SMSes a day.

Airtel’s Rs 149 plan directly competes with Reliance Jio’s Rs 149 prepaid recharge pack. The latter pack, however, offers 1.5GB of data per day with a validity of 28 days. This takes the total benefit of 42GB. Plus, of course, users are entitled to get unlimited voice calls and 100 SMSes a day. Also, included is Jio’s suite of apps.

In another news, Airtel recently launched a new Rs 499 prepaid recharge plan that offers 2GB of data per day with a validity of 82 days. This means users will get a total of 164GB data for the validity period at 2GB per day. The telecom company also revised its Rs 399 prepaid recharge pack that now offers 2.4GB daily data for a total period of 84days. As usual, it comes with unlimited voice calls, free outgoing national roaming for all users, and SMS benefits.

June 9, 2018 in News

Bharat Bill Payment System: How To Pay For Your Utility Bills And Other Details

Bharat Bill Payment System (BBPS) is an RBI initiative that offers accessible and interoperable bill payment services to consumers across India. According to the official website of Bharat Bill Payment System- bharatbillpay.com, it is a centralised bill payment system for everyday bills of consumers. BBPS covers repetitive payments for everyday utility services such as electricity, water, gas, telecom and Direct-to-Home (DTH), as mentioned on Bharat Bill Payment System’s official website. The payment modes options at BBPS are cash, cards (credit, debit cards), IMPS, UPI, AEPS, internet banking, UPI and wallets.

With Bharat Bill Payment System (BBPS), payment becomes instant, seamless and convenient, posted the official handle of BBPS-@BharatBillPay.

With Bharat Bill Payment System (BBPS), payment becomes instant, seamless and convenient, posted the official handle of BBPS-@BharatBillPay. Under BBPS, consumer has the control of all bills at one place and can be paid anywhere and anytime and transaction can be done on any custome- facing channel, noted official website of BBPS. The utility bills that are currently covered in BBPS are electricity, telecom (landline postpaid, mobile post-paid and broad-band postpaid), gas, water and DTH, said a tweet posted by official handle of Digital India- digitalindia.gov.in.

Steps to make online payment using Bharat Bill Payment System (BBPS):

1. Connect to any internet banking/app of respective bank2. Now, click on bill payment or BBPS tab3. Choose the category of biller and enter the bill details

4. Initiate a payment and get instant confirmation

5. The consumer would get an instant confirmation and receipt once the transaction is successfully completed, An SMS would also be triggered by the bank/non-bank.

Source by ndtv..

Not Claiming Reimbursement Benefits From Your Employer? Read This