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Messages - rishie

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How many times it has happened with you where a person has refused to accept Indian Currency note which is a but bad in shape, specially the ones which are cut in 2 pieces but joined together with tape?

Many times, right? That is because they fear those notes will be further rejected by the next person to whom they will give or maybe the bank where they will deposit those notes.

But, did you know that RBI has very clear guidelines on the acceptance and exchange of such notes and NO BANK can deny you. It is only because local public is not aware of such policies, bank employees are able to take advantage of pubkoc ignorance.

Here are some of the important points from RBI's policy document:

1. Facility for exchange of notes and coins at bank branches

(a)All branches of banks in all parts of the country are mandated to provide the following customer services, more actively and vigorously to the members of public so that there is no need for them to approach the RBI Regional Offices for this purpose:

(i) Issuing fresh / good quality notes and coins of all denominations on demand,

(ii) Exchanging soiled / mutilated / defective notes,*
* Small Finance Banks and Payment Banks may exchange mutilated and defective notes at their option. And,

(iii) Accepting coins and notes either for transactions or exchange. It will be preferable to accept coins, particularly, in the denominations of ₹ 1 and 2, by weighment. However, accepting coins packed in sachets of 100 each would perhaps be more convenient for the cashiers as well as the customers. Such sachets may be kept at the counters and made available to the customers.

(b) All branches should provide the above facilities to members of public without any discrimination on all working days. The scheme of providing exchange facility by a few select currency chest branches on one of the Sundays in a month will remain unchanged. The names and addresses of such bank branches should be available with the respective banks.

(c) The availability of the above-mentioned facilities at the bank branches should be given wide publicity for information of the public at large.

(d) None of the bank branches should refuse to accept small denomination notes and / or coins tendered at their counters.

The above text is directly picked up from the policy document of RBI. For full document, you may visit RBI website and this link will take you to the document directly.

Market News / Update Service End date in EPFO records
« on: June 08, 2020, 08:38:58 PM »
In a recent tweet of EPFO office it is shown how one can now update their Service End date on the records. Here is a screenshot of instructions that were shared by PF office:

Source Tweet:

The latest sad news coming from Mumbai is that Wajid Khan passed away a couple of hours before. It has been noted that he was admitted in Kokilaben Hospital in Mumbai yesterday (31st May) in a serious condition. He was already suffering from Kidney problems since some years now.

Wajid was a part of the famous Bollywood jodi of Sajid-Wajid fame. This duo has composed many famous songs.

Here is how some of the Bollywood celebrities expressed their grief on Wajid's death:

Parineeti Chopra:

Harshdeep Kaur:

Salim Merchant:

Priyanka Chopra:

Vishal Dadlani:

Celina Jaitley:

So as on 18th May, 2020 the total number of infected people has crossed the 100,000 mark

Here is the latest stats from

And, with the Lockdown 4.0 being a relaxed one, I am pretty sure the number will just double in next 10 days.

Let's hope for the best.

Thanks Navdeep! This is helpful.

Now I am wondering how are they going to manage this point being are they going to conduct these at centers or would this be at-home exams. If they plan for calling students to centers for exams, how are they going to manage the risk of students getting infected.


Relaxing Music Videos / Sounds of Galaxy for Relaxing and Calm Mind
« on: May 01, 2020, 01:57:51 PM »

General Discussion / Reliance JioMart is now on Whatsapp
« on: April 27, 2020, 02:02:13 PM »
Reliance JioMart is now on Whatsapp...they are able to take orders and right now they are available serving only 3 cities - Navi Mumbai, Thane and Kalyan. The number that you need to connect with JioMart is 88500 08000.

If you don't know, Facebook has bought 10% stake in Reliance Industries and Whatsapp is owned by Facebook.

You can follow this to place an order (from MoneyControl website):

1 — Users need to save the JioMart WhatsApp number — 88500 08000 — in their contacts.

2 — Once saved, send a ‘Hi’ message to JioMart on WhatsApp.

3 — JioMart will reply with an automated text to your message on WhatsApp with a link to select your locality and products. Keep in mind that the link is valid only for 30 minutes after you receive it. You can send a ‘Hi’ again to receive a new link in case the original URL expires.

4 — Fill up the form will all the details and click ‘Proceed’.

5 — Next, JioMart will list all the products available for order in your area. Select the items you wish to order and then hit ‘Place Order’.

6 — The merchant will update you once the order is ready, following which you can head to the store and collect your JioMart order.

General Discussion / Positive thoughts
« on: April 24, 2020, 03:05:12 AM »

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