1 Mar 2018


New Scam of Union Bank of India : Hear from Ex - Employee About New Gold Loan Fraud

Every one talks about PNB scam however there are  more scams which doesn not gets reported or let say never get unearthed as they are done by people who can easily dig the hole in the system. Here is another such scam which is being reported by one of the ex-bank employee of Union Bank of India on Quora, though answer is anonymous we have not verifed the identify however we feel PSU Banks are full of curruption, irredularity which needs to cleaned

  New PNB Like Scam of Union Bank of India Bank

 Here is story narrated by Ex-Employee of Union Bank Of India, taked directly from Quora    

"After PNB fraud another fraud in hiding.I'm an employee of union Bank of India. I had joined this bank as a probationary officer in the year 2015 in one of the southern state. I had cleared ibps competitive exams and interview and joined this so called esteemed organisation. Once I joined I was in cloud 9 that I'm going to work for government and my life is settled but after my training period I was posted in one of the top Cities in southern India. Life was going good when I stumbled upon some documents, these documents belong to the gold loans taken by a customer and selling of properties which belong to defaulters. I got to know that the gold loan taken by a poor farmers who cannot afford to pay the interest and principal amount would thus leave it with the bank and as per banks policy they need to auction it after some period of time and they have to give an notice in the top newspaper but the catch is the managers who were there previously won't allow for auction instead they will pay the principal and interest amount together and forge the poor farmers signature and take the gold loan for himself or for his colleagues for eg. (If the farmer have kept the gold for say 1lac ruppes but his gold value is 2 lac and with time that interest amount reached 1.5 lac he won't be able to return it.) So these kinda fraud are still happening and these people have amassed a large amount of wealth. Now you might ask why I didn't send complaints for the same. I tried my level best to bring those culprits out. I sent a mail chain keeping all the MD's managers etc but I didn't got any reply from anyone that much is the depth of corruption in the banking sector now. And at the end as I expected I was sidelined from various managers got bad feedback, regularly thrashed for being straight and got trapped in some fake loan sanction where I was suspended for few months, enough of this shit I quitted my job and trying to make a new life.While writing this post sbi have charged 147.56 has a ATM transaction fee. These people will loot poor peoples money.hope this reaches a concerned person and before anything similar like PNB happens government should awaken."

             Please note we do not take the responsility of authentication of this, please let us know by commenting below if you feel it is not correct.

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11 Jan 2018



Some investors may consider looking at the star ratings given by various research agencies.
These star ratings can be one of the factors to look at, but there are many other parameters that one should consider before beginning their mutual funds journey.
⇒ Fund type
This is the most important condition to consider.
  • Your goals define your investment time frame which in turn helps select the right asset class like equity, debt or gold.
  • Every asset class reacts differently to market conditions and you should be aware of that.
  • If you want to park money in the fund for a longer term and are willing to bear a fair amount of risk and volatility, opt for equity-oriented funds.
  • These types of funds typically hold a high percentage of their assets in stocks, and are therefore considered volatile in nature.
  • They also carry the potential for a large reward over time.
  • Conversely, if you need regular income, you should invest in an income fund These schemes generally invest in fixed income securities such as bonds and corporate debentures.
When an investor has a longer-term need, but is unwilling or unable to assume substantial risk, a balanced fund, which invests in both stocks and bonds, may be the best alternative.
⇒ Expense ratio
Every fund has an expense ratio
  • which takes into account all fund management and administration-related expenses.
  • This is simply the total percentage of fund assets that are being charged to cover fund expenses.
Even though the Securities and Exchange Board of India (SEBI) puts a cap on this amount, the higher the ratio, the lower the investor’s return will be at the end of the year.
⇒ Loads and charges
Mutual funds have certain charges, also known as loads.
  • Since SEBI has made it mandatory not to charge an entry load, you cannot be charged for buying mutual funds.
An exit load fee is charged when an investor sells his or her investment, usually prior to a set time period, such as within 400 days from purchase.
⇒ Fund manager experience
As with all financial investments, investors should conduct thorough research on a funds past performance and the manager experience and expertise.
  • This process will give the you insight into how the fund manager has performed under certain conditions, as well as what has been the trend in terms of turnover and return.
But past performance is generally not a good indicator of future performance, so use it more to understand the fund manager’s approach rather than the success of the fund.
⇒ Asset under management (AUM)
AUM is the total amount invested in a particular scheme by all investors.
  • The AUM is different for debt and equity schemes . In equity, a comfortable asset size can be hundreds of crores, whereas in debt schemes, it is in thousands of crores as the investment value is higher in debt funds.
Most mutual funds’ total AUM are invested in debt funds. A higher AUM offers a cushion to investors in case of huge redemptions or a market crash, and may lead to a reduction in the scheme’s expense ratio.
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29 Jun 2017


How GST Will Impact eCommerce Bussiness and Aggregator

E-Commerce is one such sector. E-commerce businesses have been extensively covered under the Revised Model GST Law. This segment has largely been unregulated so far. The GST law has now come up with specific sections detailing compliance requirements related to e-commerce companies and online aggregators.
The Goods and Services Tax will impact the behaviour of both sellers and buyers transacting online. Today’s consumers have many options to order goods or services online. Additionally, such transactions are not limited to India alone. From the comfort of their homes, Indian shoppers can purchase any legally permitted goods or services from anywhere in the world and have it shipped or consumed here.
gst effect on ecommerce

Indian E-commerce giants like Flipkart and Snapdeal dominate the market, with thousands of sellers registered on their marketplace platforms selling online directly to consumers. Competing with these domestic players are international entrants like Amazon and e-Bay, which maintain separate portals for domestic and international orders.

The Model GST law has clearly specified that E-commerce Operators supplying to a person in India are mandatorily required to get their business registered under Goods and Services Tax. However, there still exists ambiguity over the applicability of these provisions to International E-commerce Operators such as Amazon.com and Ebay.com, which transact in foreign currency. The government may come up with additional clarifications and rules for such operators.
Under the current indirect tax regime, all orders originating outside India attract Basic Customs Duty, Countervailing Duty (CVD), and Special Additional Duty (SAD). These duties are collected from the buyer at the time of online purchase and deposited with the government at the time of Entry into India.
GST is going to subsume CVD and SAD, but Basic Customs Duty will remain. Thus, under the new regime, the customer will be charged Integrated Goods and Services Tax (IGST) and Basic Custom Duty while ordering from an international portal. Usually, this breakup is not shown at the time of order, billed cumulatively as “Customs Fees”.

1) What is considered as e-commerce according to GST rules?

E-Commerce is defined like this in Section 43B(d) of the MGL (Model GST Law) – Electronic Commerce to mean the supply or receipt of goods and/ or services, or transmitting of funds or data, over an electronic network, primarily the internet, by using any of the applications that rely on the internet, like but not limited to e-mail, instant messaging, shopping carts, web services, universal description Discovery and integration (UDDI), File Transfer Protocol (FTP) and Electronic Data Interchange (EDI) whether or not the payment is conducted online and whether or not the ultimate delivery of the goods and/or services is done by the operator.

2) Who is considered as an e-commerce operator?

Section 43B(e) of the MGL defines an Electronic Commerce Operator (Operator) as every person who, directly or indirectly, owns, operates or manages an electronic platform which is engaged in facilitating the supply of any goods and/or services. Also a person providing any information or any other services incidental to or in connection with such supply of goods and services through electronic platform would be considered as an Operator. A person supplying goods/services on his own account, however, would not be considered as an Operator.

3) Is it mandatory for e-commerce operator to obtain registration?

Yes. Section 19 r/w Schedule-III of the MGL, provides that the threshold exemption is not available to e-commerce operators and they would be liable to be registered irrespective of the value of supply made by them.

 4) Whether a supplier of goods/services supplying through e-commerce operator would be entitled to threshold exemption?

Ans. No. Section 19 r/w Schedule-III of the MGL, provides that the threshold exemption is not available to such suppliers and they would be liable to be registered irrespective of the value of supply made by them.

 5) Who is an aggregator?

Section 43B(a) of the MGL defines aggregator to mean a person, who owns and manages an electronic platform, and by means of the application and communication device, enables a potential customer to connect with the persons providing service of a particular kind under the brand name or trade name of the said aggregator. For instance, Ola cabs would be an aggregator.

 6) Is an aggregator required to be registered under GST?

Yes. Section 19 r/w Schedule-III of the MGL, provides that the threshold exemption is not available to aggregators and they would be liable to be registered irrespective of the value of supply made by them.

 7) What is Tax Collection at Source (TCS)?

In terms of Section 43C(1) of the MGL, the e-commerce operator is required to collect (i.e. deduct) an amount out of the consideration paid or payable to the actual supplier of goods or services in respect of supplies of goods and / or services made through such operator. The amount so deducted/collected is called as Tax Collection at Source (TCS).

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21 Jun 2017


Effect of GST on farmers - What Impact would GST have on Agriculture Sector

Effect of gst on farmers

GST is going to harm the agriculture sector really hard, there is misconception that Agri income is out of tax purview so people in the agriculture sector wont get affected -Let me condemn this perception and bring you to real fact of agri sector.
effect of gst on farmers

GST will impact agriculture very badly by increasing the input cost of raw material used by farmers Here are few examples -
  1. GST rates on Fertilizers have gone up from existing (5–7 ) % to 12 %, this is going to hit very very hard to farmers. I remember 3 years before Urea bag of 50kg was 250Rs today it is already Rs 750 after GST it is going to more expensive. You can imagine how can farmers even afford the fertilizer in these cases.
  2. Let me give one more examples -GST Rates of Pesticides have gone from existing 12–15% to 18%, this is really huge. People sitting at top thinks farmers can be be-fooled they wont protest if we increase the cost in the back end, however my dear bureaucrats - your masters have to pay for making life of farmers hell by playing with farmers life.
  3. Changed the Definition of Agriculturist in the new GST Law i.e. many activities are taken out of agriculture purview like dairy farming which were previously considered as agriculture i.e.

The points to note down are what has been covered in the definition of 'Agriculture' and what not? “Hence we can see a lot of agriculture activities which are not taxable under present laws, will now be subject to GST in the new regime.

   4 . Let me tell you one more technical aspect for not putting any GST tax on Tractors - Government has put these manufactures out of Benefit if INPUT TAX CREDIT i.e. now manufactures of tractors will pay taxes for borrowing the spare parts however they can not collect from farmers thus manufacture will try to include that tax in tractor cost itself, this how agriculture and agi-dependent sector is going to get badly affected with GST.

     5. These are just few solid examples - Farmers buy many things as raw material from shops pay the tax however same tax input credit is not available to them, what I mean by this is - “ A farmer bought 1000 Rs pipe paid 120 Rs as tax however since agriculture is not under tax it can not collect tax or reverse this tax with facility of input tax credit to buyer of their goods - I think the people who understand GST would have got it right. Let us give an analogical example - A Car manufactures buys the spare parts from other supplier and pay x amount of tax on it, now this car manufacture get back this x amount of tax while selling the car to customers- This is was the most amazing thing with GST by Poors farmers can not get back the tax they paid while buying equipment's, fertilizers, pesticides etc.

    6. Dark Side of In-direct Taxes- Farmers, Labours, Lowe Class peoples are most affected by these in-directed taxes since they have to pay the tax irrespective of their income level for example - A farmer or upper middle class guy buy a Match Box or anything then both has to pay the equal amount tax on it, ideally the people having less income should pay less tax however both has to pay same tax in this case lower income class people are affected most - That is why poors are getting more poorer day by day and there is huge gap in the income of poor to middle class people or lets say Urban to Rural economy.

I agree few things are going to be cheaper not for farmers but for all, taxes have increased for super luxurious services etc however middle class people are relived for more tax burden, however farmers are taxed more.

This is the irony of our Nations Anna-daata- “Save Farmers”.
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19 Jun 2017


Inspirational Journey of Ram Nath Kovind Who once Rejected Lucrative IAS Job - Now All Set to Become Next President of India Soon

Bharatiya Janata Party announced Bihar Governor Ram Nath Kovind as party's candidate for the July 2017 presidential election, today at a press meet after the BJP Parliamentary Board meeting. He will be replacing outgoing President Mr. Pranabh Mukherji on 24rth July. Ram Nath Kovind is a name which is unheard by many however his journey from Pooreset village to Rashtra Pati Bhavan is full of struggle, sacrifice and dedication.

His Brief Introduction

ram nath govind journey

Ram Nath Kovind, who has been chosen as the National Democratic Alliance's presidential nominee, was born on October 1, 1945 in Kanpur Dehat, Uttar Pradesh. As a lawyer, he has practised in the Delhi High Court and the Supreme Court for 16 years.

Mr. Kovind first stepped into politics in 1994 when he was elected as a Rajya Sabha member from Uttar Pradesh. He served for two consecutive terms for 12 years till March, 2006. He represented India in the United Nations in New York and addressed United Nations General Assembly in October, 2002.

During his parliamentary tenure, Mr. Kovind emphasised on development of basic infrastructure for education in rural areas and helped in the construction of school buildings in Uttar Pradesh and Uttrakhand under MPLAD (Member of Parliament Local Area Development) Scheme.

He has served as a member of several parliamentary committees, including the Parliamentary Committee on Welfare of Scheduled Castes/Tribes, Parliamentary Committee on Social Justice and Empowerment, among others.

Mr. Kovind served as a member of the Board of Management of Dr. B.R Ambedkar University, Lucknow. He was also a member of the Board of Governors of Indian Institute of Management, Kolkata.
The decision was taken at the BJP's Parliamentary Board at party headquarters here. Among others, Prime Minister Narendra Modi and Amit Shah attended the crucial meeting to decide the presidential candidate.
ram nath kovind

 Inspirational Journey of Shri RAM NATH KOVIND

  1. Born on October 1, 1945 in Uttar Pradesh's Kanpur Dehat, Ram Nath Kovind was a lawyer by profession. He practised as an advocate for the Central Government at Delhi High Court from 1977 to 1979. He was a permanent advocate for the Centre at the Supreme Court between 1980 and 1993.
  2. Ram Nath Kovind, 76-year-old, is now the Bihar Governor. The BJP-led Centre had appointed Ram Nath Kovind as Bihar Governor in August 2015 with a view to woo the Dalits in the state Assembly elections held in December that year.
  3. Ram Nath Kovind was a Rajya Sabha member between 1994 and 2006 from Uttar Pradesh.As Rajya Sabha MP, he visited Thailand, Nepal, Germany, Switzerland, France, United Kingdom, Pakistan and United States of America on study tours.
  4. Kovind, a Dalit, was member of the Parliamentary Committees for SC/ST Welfare, home ministry, petroleum and natural gas, social justice and rights, and law and justice. He was also the chairman of Rajya Sabha Housing Committee.
  5. Ram Nath Kovind was a member of Management Board for Dr BR Ambedkar University, Lucknow and Board of Governors, Indian Institute of Management, Kolkata.
  6. Kovind represented India at United Nations in New York and addressed the General Assembly in October 2002.
  7. Ram Nath Kovind was the BJP's SC cell president from 1998 to 2002. He was also BJP's national spokesperson.
  8. Ram Nath Kovind was also the member of BJP's National Executive Committee as a permanent invitee.
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16 Jun 2017


What are Some Good Random Advices ?

9 slapped 8.
8 asked, "Why did you slap me"?
9 replied, "You are inferior to me, so I slapped you."
Upon hearing this, 8 went to 7 and slapped 7 harder.
When asked by 7 why, 8 gave the same reply that 9 gave.
"You are inferior to me".
7 slapped 6.
6 slapped 5.
5 slapped 4.
4 slapped 3.
3 slapped 2.
2 slapped 1.
Now 1 has 0 as its inferior.
But, instead of slapping—
1 welcomed 0 with love. Allowed 0 to stand next to it.
The duo became 10.

Tables turned and it is now number 9's turn to get slapped.
  • Choose your relations wisely.
  • A good friend is as worthy as 1000 good books.
  • A bad friend is as harmful as 1000 enemies.
  • Even a mighty snake dies if a group of ants attack. Never be proud of your position. Stay grounded.

I have experienced these lessons the hard way. My advice to you would be:
  1. Start listening to your gut instinct. It’s always right. Scientists have studied the ‘gut instinct’ in depth and learned that the dopamine neurons in your body alert you when something or someone in your environment is ‘off’. If you get a bad feeling about a situation, listen to it. It’s happening for a reason.
  2. NEVER make important decisions based on the opinions and advice of people who won’t be involved in the situation or have to deal with the consequences.
  3. Learn to pause. When stressed, angry (especially when angry!), worn down or nervous, just close your eyes, take a deep breath and count to at least 5.
  4. Never deprive someone of hope, and always remember that miracles happen.
  5. Be patient and kind towards others. It’s true what they say, “everyone is fighting a battle you know nothing about.” Also remember that it’s never too late to apologise or forgive. Even if it makes no difference to the other person, it will make a difference to you.
  6. Never give anyone more than 2 chances.
  7. If you never learn another thing in life, learn how to meditate. You’ll be glad you did.
  8. Respect yourself and set your standards. Don’t lower these for any person, regardless of how much you like them.
  9. Be mindful about who you give your time to. If someone treats you like an option, don’t make them a priority. And above all, don’t let past heartbreaks harden your heart.
  10. Re read books and Re watch movies at different times in your life. The stories don't change, but your perspective does.
  11. Don't make decisions when you are angry . Don't make promises when you are happy.
  12. Be clear about things you say.
  13. If you expect something in return for being a nice person, then you are NOT a nice person.
  14. Things you may not have liked before, may not be that bad after some time.
  15. When searching plane tickets online, delete your cookies. Prices go up if you visit a site multiple times.
  16. Don't chase after what doesn't work. Let the universe take over.
  17. People either inspire you or drain you. Pick them wisely.
  18. If they don't know you personally, don't take it personal.
  19. Everyone you meet is fighting a battle of some kind.Be kind . Always.
  20. Remind yourself that it's okay not to be perfect all the time.
  21. If you don't fight for what you want, then don't cry for what you lose.
  22. Always reach out for that extra mile. It's never crowded.
  23. "NO"-Learn to say it. It might make them angry, but it will set you free; your freedom is more important than their anger.
  24. The quieter you become, the more you can hear.
  25. People will always spread rumours about you.People will always cause drama involving you. But the only thing you can do is Rise above them and Shine!
  26. Moods can be contagious. Don't catch or spread one.
  27. People who notice everything but remain silent, must be feared.
  28. Just because someone desires you; does not necessarily mean that they value you.
  29. Plenty of great advices are already given. I will add only a few to them.
    • Prefer silence when you are down.We are not Buddha, we are not prophets or saints. But we are HUMANS. That is why we lose temper in the darkest hours. At those moments, choose silence above anything. Those who care for you and those who don't, for both, your silence would work best.
    • Choose Respect over Love if you ever need to.What my life experiences have taught me is that, even if you ever need to compromise with your love, never compromise with self-respect. Respect is hard-earned. And love without respect is going to die someday, whereas respect helps to make love bloom more than before.
    • Learn to forgive.I am not saying that you should forget everything bad you have faced. Forgetting is blasphemy. But try to forgive as much as possible. Learn to forgive others, learn to forgive yourself, not because you are weak, rather because it is all about your inner peace.
    • Never speak ill of others at their back.Speaking ill of others when they are not around means you are not sufficiently self-focused. Even if you feel an urge to spit about others in the form of sharing, do not share. Happiness, built on the ground of others' sorrow, never lasts properly for sure.
    • Make the best use of yourself.You are the beginning of your day, and it is you with whom your night ends. Love yourself wholeheartedly before you expect others to love you. Practise constructive habits. Be productive. Work hard to improve yourself mentally and physically every day. Don't leave regrets while you are alive, since life is an opportunity.
    Happy living!
  30. What matters to you changes with age. We keep blindly running after wealth and power, only to realize that these are temporary.
    So, my friend, love your family, make true friends and invest yourself in the relationships. You might not matter to the world but for some people you will be the world and world would be a happier place
  31. If you don't get time for exercising everyday the least you can do is take the stairs everytime everywhere you get tempted to take the elevator/lift.

    1. It wont be soon but you will see the changes in your body gradually. 
    2. Your stamina of the core and legs will be improved.
    3. You won't have to stand in the lift feeling claustrophobic or just standing weird with strangers.
    4. Every time you reach the top, you may fill a sense of achievement.

    If your destination floor is too high, then try to walk up the stairs as long as you can and then take the elevator.

The three best pieces of advice that I can share are quite simple, and they're talked about a lot, but for some odd reason they're rarely followed...
Physical Exercise

Get physical exercise for at least 15 - 20 minutes a day. It's life changing, incredibly healthy, and your body needs it to function at the highest level physically, internally, and mentally. You'll feel incredible too!
Mental Exercise

Read for at least 15 - 20 minutes a day. Reading is to the mind what exercise is to the body. It enhances your vocabulary, comprehension, writing, focus, and your ability to think deeply among other things. It also fills your mind with knowledge which is invaluable, and can never be taken from you.
Food Consumption

Eat a good variety and balance of vegetables, fruits, and seeds often. Eat what makes your body and mind feel good/energetic. Keep a food journal for a few months if you need in order to keep track of foods and the affect they're having on you. Overall, make sure you're getting enough proper nutrition each day. Food is the fuel that feeds your body and mind, and allows for the above two to be more effective.
Develop a daily habit for each of these. Each one of these affects the other in a good way. If you're doing all three of them daily, you'll notice a big difference, especially in the long run. The more consistent you are with them, the better and more consistent your life will become in almost every way...

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10 Jun 2017


Top Five best Android smartphone under Rs. 5000 in India - 2017

Top Five best Android smartphone under Rs. 5000 in India. Looking for the best Android smartphone under RS.5000 in India? And no any idea what is the best one? Don't worry. Here's we have listed top five best Android budget smartphone that you can buy under Rs. 5000 in the Indian market. These are all smartphones comes with the common smartphone features like High-quality Display, Good battery life, latest Connectivity and much more.

Best Smartphones under 5000 Rupees

#1_InFocus M370

InFocus M370 is the first Android smartphone in our list of Top Five best Android Smartphone with latest features. The InFocus M370 Smartphone comes with 5.0 inches HD 1280 by 720 pixels screen resolution display. The Device runs on Google's latest Android v5.1 Lollipop Operating System.

For the photography, the InFocus M370 comes with the 8.0 megapixels of Autofocus primary camera with LED flash light and 2.0 megapixels of fixed focus front facing camera for selfies. It also has 8GB internal onboard storage that can be expandable up to 64GB via MicroSD card slot. The InFocus M370 packs a 2230 mAh Li-ion battery pack.

                  Read More -  The Android Portal

#2_Lenovo A2010
The Lenovo A2010 is the second Android smartphone that comes with 4.5 inches 854 x 480 pixels screen resolution TFT display. The Lenovo A2010 is a 4G enabled smartphone that supports an LTE network in India. The A2010 smartphone runs on Google's Android v5.1 Lollipop Operating system.

For the storage, the smartphone comes with the 8GB internal onboard storage that can be expandable up to 32GB via MicroSD card slot. The Lenovo A2010 smartphone sports 5.0 megapixels autofocus Primary camera with LED flash light and the 2.0 megapixels of front-facing selfies camera. The Lenovo A2010 smartphone packs a 2000mAh Li-ion removable battery.

Read More -  The Android Portal

#3_Micromax Canvas Spark 3
The Micromax Canvas Spark 3 is the best Android smartphone that comes with large 5.5 inches HD 1280 x 720 pixels screen resolution IPS TFT display. The Canvas Spark 3 smartphone runs on Android v5.1 Lollipop Operating system.

For the storage, It has 8GB of Internal onboard storage that can be expandable up to 32GB via MicroSD card. The Micromax Canvas Spark 3 smartphones also comes with the 8.0 megapixels of Autofocus primary camera with led flash light. It also comes with the 2.0 megapixels of Front facing camera for selfies. The Canvas Spark 3 smartphone packs a 2500mAh Li-ion battery.

#4_ASUS Zenfone GO 4.5
The Asus Zenfone GO 4.5 smartphone comes with 4.5 inches FWVGA 854 × 480 pixels resolution capacitive touchscreen display and Adreno 302 Graphics chipset for the rendering Graphics while multitasking. For the photography, It has 5.0 megapixels of primary autofocus camera with LED flash light. And 0.3 megapixels fixed focus front-facing selfie camera with Beautification mode.

The Asus Zenfone Go 4.5 smartphone powered by Qualcomm 8212 1.2Ghz Quad Core processor along with 1GB of RAM memory for faster performance. It also has 8GB internal onboard storage with the expandable option up to 64GB via MicroSD card Slot.

#5_LYF Flame 7
The LYF Flame 7 is the most popular Android 4G enabled smartphone with new Reliance Jio Welcome offer that supports latest 4G VoLTE connectivity. The LYF Flame 7 smartphone has 4.0 inches 480 by 800 pixels screen resolution WVGA display.

The LYF Flame 7 smartphone powered by Spreadtrum SC9830A 1.5Ghz Quad Core processor with 1GB of RAM memory. For the Storage, the LYF Flame 7 smartphone has 8GB internal Storage that can be expandable up to 32GB via MicroSD card slot. It also equipped with the 5.0 megapixels of Face Detection primary camera with Led flashlight.

For selfie, it has 2.0 megapixels of fixed focus front facing camera without any flash. The LYF Flame 7 smartphone packs 1750mAh Li-ion battery.

Here in this article, we have listed best smartphone that comes under 5000 Rupees range in India. Do share your views in the comments below.

You can further explore more about latest news and arrival on smartphones and android latest update and much more at - The Android Portal

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21 May 2017


WhatsApp Pinned Chats Feature Finally Enabled for Android

WhatsApp had introduced pinned chats feature to its messenger app for Android beta testers earlier in May and now, it has finally made available to the public.
As its name suggests, pinned chats lets you pin up to three contacts and groups to the top of your WhatsApp conversation list.
That also makes it easier to ignore notifications from the conversations that you aren’t especially interested in, no matter how active they get.
WhatsApp's existing mute feature is handy, but only fixes part of the problem.
“Users can now pin up to three of the most important group or individual chats to the top of their chat list for easy access – simply tap and hold a chat, and then tap the pin icon at the top of your screen.”
Tapping and holding a chat also lets you mute or archive it, and it’s also really easy to unpin a pinned conversation. 
"With pinned chats, you never have to worry about scrolling through the long list of conversations to text your family members or your best friend," WhatsApp said in the statement.

Here's how to pin chats on WhatsApp:

Step 1: Long press the chat conversion of the individual/group and you will see the Pin icon on top (from left) along with trash can (delete), speaker (mute) and rectangular box with down arrow (archive).

Step 2: Tap the Pin icon and the conversation will remain on top irrespective of any new messages you receive and reply to them. However, users can only pin up to three of the most important group or individual chats to the top of their chat list.

The messaging app is also testing an “unsend” feature, which will let you recall a message within a certain timeframe, after you’ve hit send.

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7 Mar 2017


Secret Revealed behind Success Of wittyfeed.com - Indore Based 30 Crore Startup

Most of you who know about wittyfeed.com are wondering - How come a non-funded Curated Content Startup from Indore succeeded, by Success I feel they are ranked  #19 in India on Alexa, they have more then 100Million vistors daily and yearly revenue more then INR 50 crore approx, more-importantly they are not VC funded based out of Indore. All the 3 Founders are just 26 year of age.Look at these Young Founders of WittyFeed - 

People who do not know about wittyfeed.com can view below articles to get glimps of this startup -

Here is SnapShot of Current Alexa Rank -

Let me Summarize the Company Detail Here

  1. Company Name - WittyFeed (wittyfeed.com)
  2. What it Does - Viral Content Company - Basically Curated Content Creation.
  3. When it Started - In Year 2014.
  4. Founders - Vinay Singhal, Parveen Singhal and Shashank, B.Tech from SRM university.
  5. Headquarter - Based on Indore, Madhya Pradesh
  6. Daily Visitors on the Site - More then 15lac New Visitors Dailly.
  7. Monthly Revenue - More then 7-10 Crore in Rupees.
  8. Yearly Revenue - $6 million as an annual turnover in the FY 2015-16, we expect it to be around more then $30Million by 2017 year end. 

Now You have read about the Company How it started and What are its revenue as of today, however nobody has revealed how does this company got these many visitors all of sudden in just one year started in 2015 and reached to Million Dollar company in a single year - There are various content companies in the market, internet world is flooded with content - You may get  a chunk of total market share in this short span of time however can not reach to current position what wittyfeed has gained. 

I have tried to google it also how does it gets such huge no of visitors - all the visitors are not from Google Search or so called white hat SEO, also after change of facebook page algorithm you can not get such a huge no of visitors, I read about its secret from its founder on Quora here is the details -

Reply by Wittyfeed Founder on Its Success 

Reply from Founder Vinay Singhal about Success of Wittyfeed, however you still could not get what he means other then his sincere hard work and yes we agree it is their hardwork which is being paid off, however which type of hardwork actually he is talking about that is not clear from his answer. 

Here is Secret Behind WittyFeed Success - Our Team Research Result 

  • Yes you read it correct, I have been searching about wittyfeed so much on internet, read most of the articles stories etc however could not get the much info. Recently we have created a facebook page related to Whatsapp Forward , so I was just visiting the pages with Sayari then I came across Various Facebook Pages which has are related to Relationship, Shayari, Love, Hindi Movie Lines, Breakup having lacs of Likes on pages, and the secret is all these pages Belong to WittyFeed Team -  Yes You read it correctly all these pages are owned by WittyFeed  and none of these pages have mention of Wittyfeed neither on heading nor on links images nowever, you can not find out that these pages belong to wittyfeed. Few pages are like -
  • How Does These Pages Drive Traffic -  These pages are very well created, managed posting according to their title like - You will feel that these pages are not related to any website at all, as they post very quality content most of them post shayari which people likes, shares. So they have used the facebook advert as well to get more likes on their pages. All these pages have more then few lacs of Fans , so when a nice post is posted it reaches to  around some 10k peoples easily based on initial subscriber response then people share it as well, so every single post from one page is reached to some thousands of people. Now the Trick is - " Post some 10 -15 images very genuinely and then one image with wittyfeed URL"   morever they mask the URL of wittyfeed with the URL of page page so that people actually do not think this is being posted by wittyfeed,  by this way they land up in getting millions of traffic daily other then google search.

So to summarize,

Secret is - "Wittyfeed have thousands of Pages which brings the traffic to Wittyfeed Website" .

Get the traffic whatever be the method, thats how $$$ is earned.  I found it really genuine and many company uses this trick like Rajnikant Vs CID page etc.

Mere hindi bhaiyo ke liye bata du - wittyfeed indore based company he jo 26 sal ke 3 ladako dwara start ki gai 2014 me, har sal is company ka turnover 30 crore ase jayda ka he and mere is article m ye batane ki kosis ki he ki ye company itane sare paise kaise kamanti he, ji ha friends and secret is - " In logo ke bahut sare facebook pages he shayari, love, breakup etc jis par dher sare likes he and wahi se ye apne visitors ko lekar ate he".

Please Comment below if you have any further queries. 
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