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Benefits of New Income Tax e-filing Portal You Must Know

The income tax portal is a provision by the government of India that allows individuals and businesses to file their income tax returns online. The Income Tax department stated that it is going to launch a revamped income tax e-filing portal- www.incometax.gov.in. on 7th June 2021.  The main purpose behind this was to develop such a portal that makes it convenient for the taxpayer to file their returns. The department also aims to enhance user experience and improve compliance. 

 Major features of Income Tax Portal

1. The new portal is designed with income tax returns (ITRs) for issuing refunds to the taxpayer at a fast pace. 

2.   The portal would make use of a single dashboard to notify taxpayers of any pending actions. 

3.    The portal comes loaded with a knowledge bank which makes it easier for those taxpayers who have little to no awareness about tax filing procedures. 

4.   A dedicated mobile app has also been developed by the IT department, having the same functionalities as that of the desktop version. 

Benefits of New Income Tax e-filing Portal 

If you are filing for income tax exemptions on the new portal, you are bound to experience the following benefits-

Now you can easily file ITR for both your individual and business category incomes. 

The portal makes use of a chatbot to give quick answers to frequently asked queries of taxpayers. 

The new portal would allow taxpayers to file their taxes using several payment options such as NEFT, RTGS, net banking, UPI, etc.

The income tax department can use the same portal to issue notices and penalties to the defaulter.

The portal has been designed in such a manner that even first-time taxpayers can file their returns with minimum data entry effort. 

Taxpayers will also be provided with free offline and online ITR preparation software to simplify the learning curve associated with filing taxes and seeking income tax exemptions. 

 Blackout Period Announced, Deadline Extended for Filing ITR

The IT department ordered a blackout period from 1st June 2021 to 6th June 2021 during which services on the existing portal would not be available. This was done to ease the migration process to the new portal. 

The government also extended the deadline for filing ITR for FY 2020-21 till 30th September. This step was taken to ease the burden on the taxpayers among the ongoing second wave of the coronavirus pandemic. 

 Why is an Income Tax Calculator Necessary for You?

An income tax calculator is a potent tool that is useful for calculating the precise amount of tax you owe to the authorities. 

The tax rates in India are different for different salary slabs. Therefore, it helps to use an income tax calculator which can generate accurate results in a matter of minutes. 

 You can also use an income tax calculator such as this one provided by Finserv MARKETS to calculate the tax owed on salary as well as other sources of income. 

 Conclusion

The IT department envisions making filing income tax returns a unique experience for each taxpayer. The new portal has several advantages that reflect the ‘citizen first’ approach of the government.  

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Tips for buying a home insurance policy

A house is often the single largest monetary investment we make in our lives. We then invest considerable amounts of time, energy, and resources into transforming that house into a home. A home, after all, is more than just a house. It is the one corner in the whole wide world that we can truly call our own. Despite this, we often tend to be lax when it comes to safeguarding our home from accidents, calamities, or forces of nature. Buying home insurance is the best way to protect and safeguard your home from both the ravages of time and the forces of nature. A good home insurance policy protects your house against threats such as natural calamities, fire, or theft.

 Benefits of a home insurance policy

 In return for a nominal premium a home insurance policy provides you insurance coverage up to a maximum sum assured that covers your expenses in case of any damage occurring to your home under the terms specified in the policy. A good home insurance policy offers protection against any damages both natural and man-made, caused to your home. You can even calculate the amount of premium you would be required to pay by using a good online home insurance calculator such as this one provided by Finserv MARKETS.

 Tips for buying a home insurance policy

      1. Enquire - Identify your needs and requirements before jumping on a home insurance hunt. Make it a point to read about the various policies online or try to contact an agent and understand the policies. 

      2. Go Window shopping - Check through different insurance providers online and read up on their home insurance policy details. Make a list of insurance providers and policies that match your requirements. 

      3. Research the Insurer - In the future, your policy and claims may be affected if you do not have a stable insurance organisation. So, do complete research and read up on their history before choosing the insurer.

      4. Buying a comprehensive cover - It is best to buy a comprehensive cover as it includes the protection against people and properties within the house as well. The things covered will mostly extend to fire, theft, terrorist activity, and will also include jewellery and other valuables. For people, it will offer covers for alternative accommodation, accidental hospitalisation, etc. 

      5. Customise your policy - There are different kinds of insurance policies available, additionally, the insurer will also provide several add-ons. Customising your policy will help you increase the coverage, which you can extend to other important assets at home like jewellery.

      6. Calculate home insurance premiums - It is wise to calculate your home insurance premiums using a home insurance calculator. By doing so, you can know the instant estimate of premiums on your home insurance plan and can choose a cheaper and effective plan for you.

      7. Compare and buy - Compare the coverage, limitations, deductibles, exclusions, price, premiums and the sum insured among different insurance providers either online or through an agent and then buy a home insurance policy. 

 Conclusion

Your home is one of your most prized possessions. It is imperative to protect it with a good home insurance policy. Moreover, the steep rise in real estate prices makes it difficult for most people to constantly shift to new homes, making home insurance even more important. Make sure you do your due diligence before buying a good home insurance policy. Always compare the features and benefits provided by various insurers as different policies are often tailored to suit different customer needs. You can try visiting a good insurance marketplace such as Finserv MARKETS where you can compare the features of different home insurance policies in one go. It also allows you to buy your home insurance policy online with just a few clicks. 

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Let your hair down this monsoon: Follow these tips from dermatologists

An Overview

Because of movies and literature, the monsoon has a romantic reputation, but it isn't really the season of love for your hair. A multitude of disorders are likely to affect your scalp and mane in the coming months. Experts say that even though most people will be working from home and will not be out in the rain as much, a hair care routine is still necessary. That's because 'humidity,' which causes a lot of the problems, can also be found indoors. So plan ahead by developing a hair care routine for dealing with this tumultuous time.

During the monsoon, hair loss is a serious problem. Humidity also causes the scalp to become oily, resulting in dull, lifeless hair, dandruff, and itching. Hair absorbs the hydrogen molecule and swells as a result of the high humidity in the air, making the strands brittle, frizzy, and prone to breaking. Humidity is also to blame for stripping the scalp of natural oils, resulting in weaker roots. The danger of infection in the scalp is further increased by dampness.

How do you shampoo and condition your hair?

Hair care doesn't have to be complicated; a simple wash and condition twice a week is more than enough. Reduce the amount of shampoo you use or switch to a milder shampoo. Always use a conditioner or leave-in conditioner on your hair.

Before shampooing, it is critical to detangle one's hair. Begin by massaging the shampoo into your scalp and working your way to the tips. The middle and end strands should not be rubbed. Before applying the conditioner, make sure your hair is completely dry. Only apply conditioner on the tips of your hair and keep it in for a few minutes. Allow it to work on your hair for at least 2-5 minutes before washing it out.

Know what items and accessories to use

Hair care products and combs should be carefully chosen because they can actually "make or break" your hair. A volumizing and 'oil balance' (or chemical-free) shampoo is required for those with an oily scalp. People with dry scalp, on the other hand, should use a hydrating and moisturising shampoo. Finally, smoothing and oil-balancing shampoos are required for thick and curly hair. Choose goods with no sulphates, parabens, or perfumes specified in the ingredient list as much as feasible. Don't switch hair products too frequently. Allow the product to work on your hair and scalp for a few minutes before judging its results.

The importance of using the correct comb and hair brush combo. Brushes with boar bristles, ceramic, or famous nylon are ideal for fine hair because they may minimise frizz and provide volume. Curly hair also requires detangling brushes or combs with wide-spaced bristles. Brushing your hair with a soft brush is better for your hair. A paddle brush is ideal for everyday use. One with boar bristles can aid in the distribution of oils from the scalp to the ends of the hair.

A healthy way of life

Hair health is aided by a disciplined and healthy lifestyle in general. Your hair care routine will be ineffective unless you pay attention to your overall health. Your hair reflects your eating habits. Hair loss is common if your diet is deficient in macro and micronutrients. Consume a well-balanced diet.

Healthy hair and skin begin with a well-balanced diet. Every day, one should drink at least 6-8 glasses of water. Hair follicles obtain important proteins, vitamin E, potassium, and iron from dark green leafy vegetables, nuts, eggs, whole grains, carrots, kidney beans, sprouts, dairy products, berries, and sweet potatoes.

Wrapping Up

It's crucial to remember that everyone's hair is different, and this article isn't designed to take the place of medical advice. Before making any changes to their hair care routine, food, or lifestyle, consumers should always consult their doctor.

Finserv MARKETS offers a comprehensive choice of Bajaj Allianz Health Insurance plans, from individual to group coverage, with the use of a health insurance premium calculator. Customers can shop for health insurance plans that have a straightforward application process and inexpensive premiums on the Finserv MARKETS website. Finserv MARKETS makes getting a policy easy because everything is done electronically, ensuring that you have the coverage you need when you need it.

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Oily skin in monsoon? 5 easy tips to look fresh like a daisy this rainy season

An Overview

You surely know how tough it is to keep pimples and other skin problems at bay if you have oily skin. And it needs a little extra attention and care during the rains. Because of the increased humidity during the monsoon, your skin becomes greasier, which can lead to breakouts and other problems. As a result, you'll need to adjust your skin-care routine to accommodate the changing weather. Here are some helpful skin-care suggestions to keep your skin fresh and healthy during the monsoon season.

For your face, use warm water

Warm water, rather than cold, would be better for your skin. Warm water will effectively remove excess oil from your skin and leave it squeaky clean, preventing skin problems.

Remove the oil with a scrub

Using a face scrub on a daily basis is another technique to get rid of oily skin. Exfoliating your skin, removing excess oil, and unclogging your pores are all benefits of scrubbing.

Make use of mud masks

To absorb excess oil on your face, all you need is a mud face pack. It will also moisturise and increase the suppleness of your skin. A mud pack might also help you reduce the size of your pores. Apricot Scrub is the perfect product for you because it contains oil-absorbing kaolin clay. It contains glycerine, which hydrates and nourishes your skin.

Few drops of rose water

Rose water will save the day on days when your skin looks like an oil rig. Using a cotton swab drenched in rose water, wipe your face. This will not only eliminate excess oil, but it will also make your skin feel rejuvenated.

Choose a sunscreen that is non-comedogenic

Whether it's a bright day or a rainy day, you should always apply sunscreen. We have a solution for you if you are avoiding it since it makes your face oily. Choose a non-comedogenic sunscreen that won't clog your pores and is suitable for oily skin. Try SPF 50 Gel, which has a matte look and provides strong sun protection.

Wrapping Up

Changes in the weather need changes in your skincare regime as well. During the monsoon, many people suffer from a range of skin problems as a result of the increased humidity. To find proper answers to your skin troubles, you must first determine your skin type. Oily-skinned people should pay special attention to their skincare routine. Increased moisture levels can lead to acne breakouts and an increase in oil production. Managing oily skin can be a little more difficult during the monsoon.

Finserv MARKETS has the finest health insurance coverage for your treatment and hospitalisation costs. Using the health insurance premium calculator, find coverage that can help you protect your funds. Thanks to online paperless verification, purchasing health insurance at Finserv MARKETS is now simple and convenient!

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5 Tips for Windshield Wiper Care for Your Car

With the monsoons fast approaching, keeping your car in tip-top shape is vital for overcoming the harsh climes you can expect during this time of the year. On-road visibility, especially during the rain, is an important aspect of road safety and effortless drivability. Research conducted by EURO NCAP suggested that over 48% of road accidents happen as a result of low visibility. Often the culprits are little things that we often take for granted.

Your car’s windshield is an important feature that often gets overlooked. The windshield not only keeps your car protected from the external environment, but also ensures the safety of the driver in various situations. This is why it’s important to maintain it especially during the monsoon when you can expect a sudden downpour of rain.

#1 Always Clean Windshield Before Using Wipers

If your car has been parked for an extended period of time and has collected dirt, sludge, and other extremities like bird droppings, it's best to first clean the windshield. Your wipers are designed to wipe away water and a little bit of dirt. However, if you use your wipers as a cleaning tool, it’s not going to last very long when you most need it. In fact, it’s best to keep your windshield clean as much as possible. This will extend the life of the wipers and enhance visibility while driving.

#2 Replace Wiper Blades

Wiper blades take a lot of beating especially in the summer when the blades sit against the glass for extended periods of time. This causes the rubber/silicone to deteriorate quite quickly over-time. Therefore, it’s best to replace your wiper blades at least once a year, or after every summer. Old wiper blades will show signs of wear like smearing, skipping, or squeaking across the glass. Make sure to keep an eye out for these signs of wear and replace when you can.

#3 Never Run the Wipers Dry

The wiper blades are designed to wipe water away from the windshield and are not meant to be run dry. In the event that you do use the wipers when it’s otherwise not raining outside, remember to run water spray on your car. The operation of the water spray can be done by simply pulling one of the steering levers located on either side of the steering wheel. Many cars have the automatic feature where the windshield washers only operate when the water spray is activated. If your car does not have this feature, make sure to spray the windshield before you start wiping.

#4 Top-up Windshield Washer Fluid

This is a simple DIY (Do-it-yourself) that is often neglected. From time to time, check the windshield washer fluid on your car and pour in some more water if need be. The washer fluid bottle is located under the bonnet and is generally next to the radiator. Additionally, there are a number of shampoos available in the market that can be poured in along with water, which further lubricates the wiper action.

#5 Pull the Wiper Blades When Not in Use

Your car’s rubber wiper blades do not like the heat generated by the windshield which can cause the blade’s rubbers to become brittle overtime. When not in use, lift the windshield wipers so that they are not in direct contact with the windshield. 

Final Thoughts

Keeping your car in perfect condition will not only enhance the longevity of the car, but also ensure you enjoy it for the longest time. One way to maintain your car in the best possible manner is by getting the right car insurance. If you want to know more about the different types of motor insurance and add of benefits out there, visit Finserv MARKETS. The platform is a comprehensive guide to all things related to insurance with a car insurance calculator that gives you an accurate premium for optimal coverage.   

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Should you increase the IDV of your two-wheeler insurance policy?

Although understanding motor insurance is relatively simple, there are a number of jargons to get your head around. One of the most common and often misunderstood jargons is IDV (Insured Declared Value). What is IDV in bike insurance? And why is it so important for your bike’s coverage? Let’s break it down for you and help you understand all that you need to know about an IDV in two-wheeler insurance.

What is IDV?

​IDV stands for Insured Declared Value, which is the amount guaranteed by the insurance company in the event of a theft or total loss of the vehicle. The value is calculated by keeping in mind the current market value of the car (factoring in depreciation) and not its purchase price.

Let's understand it with an example- Suppose your motorcycle is five years old, which means its market value will be much less than the price you purchased it at. A vehicle depreciates over time, so does its market value. Therefore, the IDV of your motorcycle will be based on its depreciated value overtime.

Depreciation rates for your 2-Wheeler

Should You Increase the Insured Declared Value?

The IDV is the amount guaranteed by the insurer in the event of a theft or total loss of your vehicle. As explained earlier, the IDV is calculated by the current market value of the vehicle and not its purchase cost. So if your motorbike  is 4 years old, its market value will be lesser than its purchase cost (due to depreciation), and hence the IDV will be based off this lesser value.

Does it make sense to increase your IDV?

Insurance premiums are usually 2% to 3% of the insured value of that particular year for a motorcycle. A common tendency will be to quote a lower IDV so that the premiums applicable will also be lower. However, this will also mean that in case of total loss or theft, you will be compensated with a lower amount than the market value of your two-wheeler, effectively resulting in a loss for you.

How do you establish the IDV of your car?

The IDV you decide while buying an insurance plan for your two-wheeler majorly depends on the age of your car. The depreciation factor reduces the IDV claim every passing year, and so does its premium. Within the first six months of the new vehicle, the value of the vehicle depreciates by 5%. If a vehicle is more than five years old, its IDV is determined by mutual agreement between the car owner and the insurance provider.

If you think that the insurer is not providing you with the right IDV, you have a provision of changing the insurance company and getting the real value of your car. You must keep in mind that not being aware of the right IDV of your vehicle will result in inadequate compensation. And we are sure you don't want that!

Therefore, it is advised to keep your IDV at par with the market value of the car. By doing this, you will be able to get the right claim compensation in any unfortunate case of total loss or burglary. The concept of IDV is also ​​present for two wheelers. Do ensure and set the IDV according to your need when you buy two wheeler insurance as well.

Final Thoughts

With so many insurance providers in the market, it’s often challenging to find the right one. Finserv MARKETS makes your search easy by providing you quotes from the top providers out there. Make sure to check your IDV with the bike insurance calculator to know for sure if you are getting the right insurance for your two-wheeler.  

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Cyclone Tauktae: Car, Bikes Damaged Due to Cyclone, Water logging? How to File an Insurance Claim

The month of May 2021, witnessed a large number of damaged vehicles due to cyclone Taukatae. The cyclone, which originated in the west coast of India, wreaked havoc in states like Gujarat, Maharashtra, Goa, Kerala and Karnataka. Many of these states were left to deal with subsequent flooding as a result of the cyclone. The aftermath of the floods left many with broken homes and damaged property.

To address the issue of damaged property (specifically vehicles); the Insurance Regulatory and Development Authority of India (IRDAI) has asked insurance companies to simplify the claim-settlement process.  If your vehicle was damaged due to the recent cyclone and the subsequent floods here is what you need to know.

#1 Check your Vehicle’s Insurance

The first thing you need to do is to check your car  insurance policy document. Check the expiry date to confirm that the insurance is still valid. Next, you need to read the fine print and look for the words ‘natural calamity’. If your issuance document covers natural calamity, then your vehicle is protected against calamities such as cyclones, lightning, earthquakes, landslide, floods, hurricanes, storms, typhoons, and inundation. Most comprehensive motor insurance policy covers natural calamities as default, so it’s best to check whether your vehicle is covered too.

Note: Comprehensive car insurance does not cover flood damage to the vehicle. Flood Damage coverage is an add-on feature that can be purchased on top of your comprehensive policy.

#2 Call Your Insurance Provider

Next, you must call your insurance provider notifying them about the damages caused to their vehicle as a result of the cyclone. The number for the insurance provider is available on the insurance document; alternatively, you can find contact details online. It is important that policy holders inform the insurance company as early as possible. Notifications later than one month can be rejected by the insurance company.

#3 Make Notes as Proof

The next step is to take as many notes as possible as proof of the incident. This is the best time to take pictures of the damage or write down any specific damages that vehicle has been through. Once the insurer contacts you about what to do next, you must take these notes and pictures along with you to show proof of damages.

#4 Visit the Authorized Garage

By this time, your insurance provider should have contacted you to inform you about where you can take your car for repairs. When you visit your authorized garage, you will be instructed to fill in a form with the details of your car along with a few documents like the RC (registration certificate) and your driver’s license. Remember to attach copies of these documents along with your form. It is also a good time to attach pictures or notes that you had taken earlier.

#5 Surveyor Approvals

Next, the insurance company will appoint a surveyor to inspect the damages caused to your car as a result of the cyclone. The surveyor will ask you a few questions about the damages or request you to write down an essay detailing the accident as it occurred. Remember to mention specific details as they occurred without misrepresenting facts. This will avoid a lot of hassles down the road.

#6 Vehicle Repairs

Once the surveyor has successfully verified all the details, your vehicle will be sent for repairs. Depending on your policy, you will either be entitled to cashless settlement or you will be reimbursed for repairs at a later date.

Final Thoughts

To ease the claim process, it’s best to get your vehicle insured by a respectable insurance provider. For complete peace of mind, visit Finserv MARKETS for a comprehensive list of the best motor insurance available on the market today. Here you can compare insurance plans from some of the best providers and choose a plan that fits your needs best. You can also view the car insurance calculator to know exactly how much you’re expected to pay as premium. 

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Monsoon Flood Safe Car Parking Locations

The monsoon can wreak havoc to life and property. This is especially true for cities like Mumbai where the average rainfall far in just one single day can bring the entire country to a standstill. The incessant rainfall on 26th July 2006 is a prime example of the damage these monsoon rains can bring. The torrential rains were among the heaviest-ever recorded 24-hour rainfall figures of 944 mm (37.17 inches) which lashed the metropolis. As a result, the city saw large-scale flooding with preliminary indications putting a direct loss of about ₹5.50 billion (€80 million or US$100 million).

These large-scale floods impacted car owners as car parking options were limited at the time. Most vehicle owners parked their car on road-sides which were then prone to flooding when the incessant rains hit. This proved a major challenge for both the municipal corporation (BMC) and the Mumbai police.

2009 Flood Predictions

Similar to the floods that lashed out in 2006, the met department forecasted a similar scenario in July of 2009. Lucky for the residents, the Mumbai police were better prepared this time. Around the same time, flood safe car parking locations were announced around the city. This came as a huge relief for residents with cars, motorcycles, autos, and other commercial and non-commercial vehicles. These safe car parking locations were open to the public with prior notice and address of specific locations nearest to an individual in the event of sudden rains and subsequent floods.

Flood Safe Locations

In case you haven’t received the notice from Mumbai police, here are the addresses of the flood safe locations

·         City Location – Parking Lots at P.D’Mello Road, Behind Siddhivinayak Hotel, Wadibunder Mumbai 400009, With Capacity of 1000 to 1100 cars and Mahalaxmi Race Course, Keshavrao Khadya Marg, Mumbai with car capacity of 400 cars.

·         Eastern Suburbs – Nath pai Nagar Ground, Ghatkopar East with Parking Capacity of 200 to 250 cars.

·         Eastern Suburbs – Nirmal Lifestyle Mall, LBS Marg, Mulund (West) with car Parking capacity of 800 cars and 200, 2 wheelers like motorbikes etc.

·         Western Suburbs – Chhatrapati Shivaji International Airport, Car Capacity of 1500.

·         Western Suburb – Chitrakut Ground 26, Shah Industrial East, new Link Road, Andheri (W), Capacity of 300 cars.

Owing to the swell of water in the event of a flood, these locations are situated on an elevated place to avoid the ingress of flood waters. Remember to take all the necessary precautions to avoid loss of life and property in the event of a flood.

Flood Damage Coverage

For vehicle owners who unfortunately can’t make it to the above flood safe car parking locations, it’s important to get the right vehicle insurance coverage. Protecting your vehicle from flood damage entails getting Flood Damage Car Insurance which protects your vehicle’s engine and other mechanical parts. Flood Damage Insurance is not part of the comprehensive policy. It must be obtained as an add-on feature to your existing motor insurance policy. In most cases, flood water ingress into major engine and mechanical components is what causes the vehicle to be written-off. It’s therefore important to get this add-on insurance feature in case you live in a city like Mumbai which is prone to heavy flooding.

Final Thoughts

The flood safe car parking locations are a god-send for city residents looking to keep their car protected. If you reside or work in a location that is prone to flooding, it’s vital to be doubly protected with flood damage coverage. If you are looking for a flood damage add-on plan or are interested to know more about how to protect your car, visit Finserv MARKETS. If you are wondering about the insurance premium for your vehicle, you can also check out the car insurance calculator. Here you will find a range of insurance related options to keep your car as good as new. 

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How to change Date of birth (DOB) in Driving License

Introduction : 

Thanks to the Government of India’s Digital India campaign, the digitalization of government services is advancing rapidly. Today everyone who wishes to issue a Driver’s License (DL) can do so via a separate portal created by the central government for all services related to Driving Licence. Be it checking the driving licence application status or changing the date of birth (DOB) in your Driving License, it can all be done online quickly and easily. A valid Driving License gives citizens the permission and right to drive on the road with confidence. Hence it is undoubtedly the most important document that every driver needs to be able to drive a vehicle legally according to the Indian Motor Vehicles Act (1988).

There may come a time when you need to make certain changes to your DL, such as change of residence/location or correcting certain errors. In case you wish to change a detail like the DOB in your Driving License online, follow these simple steps :

Here is how to change the DOB in Driving License

Step 1: Go to the Sarathi/ Parivahan website: https://sarathi.parivahan.gov.in/sarathiservice

Step 2: Select your State; you will then be directed to the state portal. Here, select Driving Licence (DL) services and click on continue.

Step 3: Enter the Driving Licence number and the current Date of birth on the DL. Click on get DL details. The Applicant Name and other details will be displayed. 

Step 4: Now, select apply to State and RTO and click ‘Proceed’. The page with Details of the Driving Licence will be displayed. Verify the details and click ‘Confirm’.

Step 5:  The DL services page will be displayed. Now, select the checkbox for the required service, and then ‘Proceed’.

Step 6: Fill out the Request Details; an acknowledgement form will be generated with the service requested and applicant details. Click on next. 

Step 7: Proceed by clicking on ‘Upload Documents’ and then ‘Next’. Select the ‘DL SLOT BOOK’ then click ‘Next’ to proceed to book the slot.

Step 8: Verify the applicant details, select the class of a vehicle and then click ‘Proceed’ to book.

Step 9: Check the available date, select a time slot that suits you and click on ‘book slot’. The check the appointment details and proceed to confirm. You will be sent a text message of the confirmation to the registered mobile number.

Step 10: Save the printout pdf of the Provisional appointment letter and click ‘Next’ to proceed. Then you will be taken to Fee Payment; select it and then click on ‘Next’. 

Step 11: Read all the instructions carefully and continue to payment. You will be asked to enter the captcha, after which click ‘Pay Now. Fill in the bank details and click ‘Continue’. Once you have successfully made the payment, ‘Print Receipt’ will generate a receipt for your payment.

 To sum it up

With this entirely digital process, you can track the status of your license and have it delivered with the necessary changes within a few days, making the entire process frictionless and hassle-free. Making sure your car is protected is also just as easy. Online platforms like Finserv MARKETS give you a number of different plans to choose from and make the entire application process simple and efficient, just like changing your license details.  

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The healthy diet you need to follow for the monsoon

With the onset of monsoon, seasonal diseases like cold and cough, viral fevers, sore throats and allergies of all sorts make an entry into our lives. Following a healthy diet that strengthens our immunity coupled with vigorous exercise can help us ward off several of these ailments. 

Here is a list of food items that readers should ideally incorporate in their diets during the rainy season:

      1. Garlic

Garlic is a super-food that has robust medicinal properties. Its great benefits have been recognised by ancient civilizations as well as modern science. In one study it was found that garlic reduced the average length of the common cold by close to 70%. Another study found that a strong intake of garlic- about 3 grams a day- reduced the number of sick days of flu by 61%. Eating four cloves of garlic a day can also help in reducing the risk of cardiovascular diseases.

      2. Seasonal fruits

Fruits like cherries, apples, plums, peaches, jamun, litchi and pomegranates can boost your immunity greatly during the monsoon. Nutrients like vitamin A, B1, B2 and C are abundantly present in the apple as well as minerals like phosphorous, iodine, calcium and iron which work wonders for the development of your skin, bone, muscles and brain development. Pomegranates on the other hand assist in red blood cells development and increase blood circulation. Litchi has antioxidants that help asthmatic patients breathe deeper and helps in weight loss.

     3. Prefer curd over milk

Drinking milk during the monsoon can make you sick as it is more likely to have bad bacteria. Prefer curd or yoghurt over milk during the monsoon as it reduces the likelihood of bacteria entering your body.

      4. Cutting back on salt

The monsoon is as good a time as any to start cutting back on salt. A high salt diet contributes to increasing the risk of hypertension, cardiovascular diseases as well as strokes.

      5. Cut back on meats

Eating meat that is locally sourced during the monsoon is likely to be riddled with loads of unhealthy bacteria and other viruses. Besides, the poor conditions in which the animals are kept by local butchers do not make for hygienic animal rearing and contributes further to making their meat of an inedible quality.

The final word

It is better to stick to a healthy diet during the monsoon to prevent illnesses. Besides with the threat of the pandemic still persisting, it is better to stick to a diet of fruits and food grains. While monitoring one’s diet during the monsoon can help stave off diseases, one can also protect their savings from major medical expenses by purchasing comprehensive health insurance.

Additionally, one can keep monitoring his Body Mass Index using the BMI calculator to assess the level of fitness one is currently at. BMI is a metric that uses one’s weight and height to calculate the amount of fat in one’s body. 

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Keeping healthy during the monsoon: The do’s & don’t’s you need to know

The spread of the pandemic has dealt a body blow to the fitness goals of many people. Several individuals who were on course and committed to attaining their 2021 health resolutions suddenly had their plans derailed as localised lockdowns were declared in a number of places and quarantine was imposed in cities and towns alike. Consequently, people haven’t been able to go to gyms or public parks and be diligent to their exercise regimen.

Now that the lockdowns are lifting, many health enthusiasts have a reason to cheer. However, their hopes are dampened with the onset of monsoons. Monsoon means that it will be quite difficult for many people to rouse themselves from bed early in the morning and pump themselves up to hit the gym every day. 

What should you do to be in the peak physical condition during the monsoon?

Not being able to hit the gym shouldn’t stop you from keeping fit. There are several free-weight exercises that one can perform within the confines of their own house. It is not necessary that exercise has to be performed only with heavy equipment and enormous machinery. Simple paraphernalia like a jumping rope or a resistance band works as well and consistently using them over the long term can deliver great results.

If free weights exercises and home cardio is not to your liking, you can also go in for Yoga. Yoga aligns the mind and the body in synchrony. It also helps deals with chronic anxiety and soothes nerves frayed by personal and professional responsibilities. What’s more, in the current season, as many of us are recovering from respiratory disorders, Yoga can help us regain our lost oxygen retention capabilities. Following Yoga in a disciplined manner can help build our bodily constitution and strength while adding to its flexibility.

Many of us do not hydrate ourselves adequately. Health experts suggest that anywhere between 3.5 to 4 litres is adequate water intake for men in a day and anywhere between 3 to 3.5 litres is adequate for women in a day. However, since our corporate lifestyles do not involve hectic and physical movement, we do not feel thirsty enough and consequently, our water intake plummets. Ensure adequate hydration by putting in an alarm to drink water at regular interval.

High nutrient food like turmeric milk, ginger ale, avocado, kale and fruits can help us keep the calories away. One metric that can help us keep an eye on our health is the BMI calculator. The Body Mass Index takes into consideration the height and weight of the body to estimate body fat.  

What not to do this monsoon?

Eating street food during the monsoon can cause one to fall ill. While many of us are tempted to eat food from local street-side vendors, chances are it is not going to be made in a healthy and uncontaminated manner. Better to stay away from street-side food till the threat of the pandemic persists.

Walking into an air-conditioned room after being drenched in the rain can render you cold and possibly lead to cold and cough as well as fever. Get out of the wet clothes as soon as possible.

The final word

While taking measures to keep fit during the monsoon is necessary, it is equally important to safeguard your wealth and savings from sudden hospitalisation expenses. Comprehensive health insurance policies that cover your outpatient department expenses, as well as other ancillary medical expenses, can help protect you and your family.

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Stop fungus from growing in your car. Here’s how

With the pandemic raging across the country we have been forced to stay cooped up in our houses, for good reason of course. Consequently, our cars also share our fate, cooped up as they are for days, sometimes even months on end, in the basement or in the open. 

It is during these days when our cars are idly parked that they run the greatest risk of fungus growth spreading in our cars. One can tell that mold has spread in the car from the mildew smell that presages it or from the black spots on the car interiors. 

Where can the mold grow in your car?

Mold is a fungus that can grow very rapidly. It can grow on a number of surfaces like dashboards, seats, or the car floor or even its ceilings.

Mold can start growing in a car because of a number of reasons which includes water spilled on the car floor or car windows left open during the rain or food left to rot inside the car. There is the additional possibility of mold or fungus growing in a humid environment, dark or damp spaces. Mold can also grow in case one leaves behind wet clothes or towels in the car.

Health complications from fungus or mold

 Letting fungus grow in your car can be really bad for your health and can lead to more complications if ignored. Exposure to mold has been connected to fever, skin rashes, runny-nose and allergies. Other complications like asthma, coughing, shortness of breath or respiratory disorders are also known to develop.

How to prevent mold growth?

      1. Keeping your windows rolled up

The chances of water from rain seeping inside your car, in case your windows are even slightly rolled down are quite high. Once the water seeps inside, it can damage door pads, electrical components or even the dashboard of the car. In case, water droplets are spilled inside the car and not wiped away in time it can lead to mold developing in patches on the car mats which could be quite difficult to remove. All of this could burn a hole in your pocket to the extent of thousands of rupees. Therefore, it is better to keep your windows rolled up in case you want to avoid useless expenses.

      2. Using an air conditioner and demistifier

These days cars come fitted with a demisitifier. So, when it rains and the car fogs up, it is advisable to use a combination of demistifier and air conditioner to heat the car to remove the mist completely. This will soak up all the moisture in the car.

      3. Using rubber mats

Rubber mats ensure that the water spilled on the car floor is not drained onto the carpets. It is equally easy to clean a rubber mat, and they dry quickly as a result of which there is less moisture inside your vehicle.

The final word

Removing mold or fungus from your car upholstery can turn out to be really expensive. In some cases, one might even need to change seat coverings or car mats all together. You can protect your savings from such expenses by getting car insurance. If you wish to buy or renew an insurance policy, do so from the insurer’s website or from an app like Acko car insurance. You can also take the help of a car insurance calculator online.

Also, you can choose a comprehensive Bajaj car insurance policy such as the one being offered on Finserv MARKETS. The car insurance offered by Bajaj Allianz gives your vehicle coverage against natural and man-made disasters such as earthquakes, robberies and others. 

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Advantages of a Comprehensive Two Wheeler Insurance

Driving on Indian roads can be considered a risk bearing activity. There are unknown anomalies all around that can spring up at any moment. Riding a two wheeler in these conditions heightens the risk factor by up to 100%. An accident can be a harrowing experience for the rider and the vehicle. To get out of this harrowing experience, buying bike insurance online is an absolute necessity to get you out of any financial mess and security caused by the accident. If you can claim compensation for damages, managing risks from unexpected occurrences can become a lot easier.

The term ‘comprehensive’ might sound overwhelming, however, the insurance plan covers some essential protections for your vehicle. Let’s look at some of the things that are covered.

1.Coverage Against Third-Party Liabilities

When you buy two wheeler insurance, you financially protect yourself against third-party liabilities. This is why buying two wheeler insurance is mandatory as per The Motor Vehicles Act, 1988. A third-party liability may arise if you cause an injury to the third-party person or cause damage to the third-party property with your insured bike.

The cost of compensating the third party may be unaffordable in some cases. With insurance, your insurance company will pay the compensation. Also, the legal liabilities which may arise due to an unfortunate event will be taken care of by your insurer.

2.Coverage For Damage To Your Vehicle

Repairing your vehicle after an accident is certainly a costly affair. If you do meet with an accident and have a third-party two-wheeler insurance policy, then you would need to repair your vehicle at your own cost. However, a comprehensive two-wheeler insurance policy will cover the damages caused to your vehicle depending on the insured declared value (IDV) or the depreciation factor of your vehicle.

The IDV is determined by the age, model, condition of the vehicle, etc. In short, coverage for repairs of your vehicle following an accident is only possible if you have a two-wheeler comprehensive insurance policy.

3.Cashless Claims

Depending on the policy terms, most comprehensive policy plans have the cashless claims feature. You simply need to be aware of the network garages where you can get your vehicle repaired. In the event that you get repairs done at a network garage, the process is completely cashless and relatively straightforward. All you have to do is inform your insurance provider before taking it to the garage and submit all the necessary documents. After verifying all the details, your insurance provider will give the go-ahead to the respective garage and directly pay the garage for the repairs done on your vehicle.

4.Easy Claim Process

This entire process is relatively simple and requires minimal intervention from your end. Additionally, it also ensures you get the best repairs done as most comprehensive insurance plans have tie-ups with authorized dealers that know what they are doing. In the event that you don’t have a network garage near your location, you can still take your vehicle to a third-party garage and get your vehicle repaired. Post repairs, you can submit all the work related bills and proof like pictures and documents to the insurance provider. The insurance provider will compensate you for the damages and repairs to your cars.

Final Thought

A comprehensive insurance policy is a great way towards peace of mind while driving on Indian roads. If you are looking to buy comprehensive bike insurance online, remember to visit Finserv MARKETS. The platform provides the best insurance quotes from top providers like Acko insurance.  Simply compare and choose the best insurance that fits all of your requirements and calculate your premium in real-time with the bike insurance calculator.

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What Will Happen If You Avoid Two-Wheeler Insurance Renewal?

According to a recent study, it has been found that more than 75% of two wheelers running on Indian roads either do not have a valid insurance policy or the insurance policy lapsed. Whatever the reasons for the lapse may be, driving your 2-wheeler without a valid insurance is not only downright foolish, it is illegal too.

The Motor Vehicles Act, 1988 mandates every two-wheeler or bike owner to insure their vehicle to avoid breaking the law and pay penalties. If you have forgotten to renew your two wheeler insurance policy, make sure you renew it immediately to avoid any kind of unforeseen situations. Apart from being a legal requirement, there are other major ramifications for not getting the much needed two-wheeler insurance? Read on to learn about the impact and disadvantages of driving around town without a valid insurance policy.

Traffic Challan

One of the major reasons for people avoiding the renewal of their two wheeler insurance policy is to save on a few bucks. Whatever the reasons maybe, if you get caught while driving without a valid insurance policy, you will have to bear the penalty of a traffic challan. This challan could very well be more than the actual premium required to renew your vehicle’s insurance.  Therefore, apart from the other benefits of owning a motor insurance policy, it just makes sense when you consider that riding a two wheeler without a valid insurance policy is a serious offence in India.

Liable to Bear Legal Liabilities

A comprehensive two-wheeler insurance policy covers you against all types of threats including the ones caused by human beings and calamities. If your two-wheeler is damaged when your policy is lapsed, the entire cost of repairing your two-wheeler has to be borne by you. If you meet with an accident on your two-wheeler, you could be framed for a couple of reasons; first one is for negligent driving and the second one is for your lapsed policy. You bear a lot of financial loss which could ruin the peace of mind of your family.

No NCB Benefits

The benefits of NCB or No Claim Bonus couldn’t be further emphasized. If you let your policy expire or do not get your two-wheeler insurance renewal done before it expires, you will forfeit the no claim bonus that you may be entitled to. This way, you will lose No Claim Bonus upwards of 50% or the entire premium, which would not have been available if the policy has lapsed.

Lengthy Process for Policy Renewal 

Not renewing your 2-wheeler policy on time can lead to a time-consuming and repetitive process at the time of renewal. It requires a great deal of paperwork and physical checks and document verifications. For those that are getting their policy renewed on time, it's like having a new insurance policy. It is therefore in your best interest to not let your policy go beyond its expiry date. Doing so can take away considerable pains and stresses later on during the year. Instead, make sure you always get your two-wheeler insurance renewal done on time.

Final Thoughts

If you are worried about the high cost of getting your vehicle insured, you should visit Finserv MARKETS. The platform puts together some of the leading insurance providers in the country like Acko bike insurance. Here you can compare and choose insurance plans and premiums that suit your requirement.  What’s more, the bike insurance calculator lets you calculate your premium, so you know exactly how much you’re expected to pay. 

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How to change your driving license address online

Individuals who have shifted temporarily to a different state or have permanently shifted to a new location need to change the address on their driving licence. The driving license is an important document as far as authenticating an individual’s identity or address is concerned. Typographical mistakes or errors on the driving license can create several bureaucratic or clerical problems for an individual. 

A person can resolve these errors or change his address completely in two ways. One is to go to the local RTO office and fill up the application for a change in address in his driving license and submit it to the competent authority. The second step is to apply online. 

Here is how an online application for a change in address can be made:

Within 14 days of your change in address, apply for the change of your registered address using Form 33. You will also be called upon to pay the appropriate fees as chalked out in rule 81 of the Central Motor Vehicles Rules 1989.

The documents you will need:

Copy of Pan card or form 60 and form 61 as applicable in the situation

Proof of new changed address

Form 33 application

Registration certificate

An insurance certificate that is valid and in force

Pollution under control certificate

Smart car fee

Signature identification of the owner of the vehicle

Chassis and engine pencil print

In case the car is hypothecated then a no-objection certificate

Step-by-step process on changing your driving license address online

Log on to the official website of the Ministry of Road Transport and Highways built for catering to individual license holders which is parivahan.gov.in

In the section under online services, choose driving license related services

On the next screen, you will be prompted to select your state. Select your state.

Next, you will come across a screen which lays down a detailed breakdown of the process to be followed. Proceed ahead. 

On the next page, you will be asked to key in your driving license number and your date of birth. Type in the details and proceed ahead.

On the next page, you will see your driving license details on the screen. Confirm that the driving license details are yours, and select the RTO under whose jurisdiction your old address falls.

On the next screen fill in your permanent address and present address as you wish to change it.

Confirm the address and proceed ahead.

On the next screen, you will see a number of options for driving license services. Pick the option that says change of address in DL.

As you proceed ahead, you will be asked to upload documents. Subsequently, you will also be asked to pay fees online.

Do remember to take a screenshot of the application number or note it down for future reference. That way you will be able to check your driving licence application status later. You will also receive a receipt after the online payment.

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Tested positive for Covid-19? Here's how you can benefit from Ayushman Bharat Yojana for treatment

Introduction

The covid 19 pandemic revealed a number of glaring weaknesses in the country’s healthcare system, quickly overburdening it, particularly in the second wave.  However, just as shortcomings were highlighted, a number of public welfare schemes were put into overdrive to help citizens combat the pandemic. One such public benefit health insurance scheme is the Ayushman Bharat Yojana scheme. A health insurance scheme aimed at aiding the country’s poor, the scheme is available nationwide and has been used for quite some time to provide the underprivileged and poor of our country with health insurance. In this article, let’s take a look at the Ayushman Bharat registration process, what the scheme entails, and how it can be availed if you have tested positive for covid 19. 

Ayushman Bharat Yojana

The Ayushman Bharat Yojana scheme is offered both in urban as well as rural areas of the country. The guidelines for Ayushman Bharat registration, however, vary in both sections. In order to get health insurance under the scheme in rural areas, a household must be unemployed, have a woman as the head of the family, have SC/ST status or have individuals with disabilities in the family. In urban areas, on the other hand, health insurance is afforded to house help, security guards, rickshaw drivers, painters, labourers and sweepers, among others. 

Ayushman Bharat Yojana for Covid 19

In light of the covid 19 pandemic, the government of India extended the coverage of the ayushman Bharat yojana health insurance plan to include covid 19 treatment. Therefore, if you are admitted at a hospital with covid 19, assuming you qualify for the scheme, it can be used to satisfy your covid 19 related medical bills. As the second wave neared, this coverage was soon extended to cover procurement of oxygen cylinders and more recently, can be used to subsidise the purchase of medicines to treat covid 19 as well. Additionally, it was also mandated that tests for covid 19 be carried out free of cost in hospitals that have been registered to accept health insurance under the scheme. 

The scheme has been extended to include private hospitals as well and thus can be availed of in private hospitals recognised by the scheme. If you have tested positive for covid 19, you can see treatment under the scheme in affiliated private hospitals as well. 

Conclusion

Testing positive for covid 19 can have implications on your physical as well as mental well being. In order to ease the strain on the former, the Ayushman Bharat Yojana has been extended to include treatment for covid 19 patients as well. If you are eligible and have completed your Ayushman Bharat Yojana registration, you can cover your covid 19 treatment under the health insurance scheme. If you are looking to purchase health insurance for yourself and your family in these uncertain times, the Finserv MARKETS website has a slew of health insurance plans for all requirements and budgets. 

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Not paid e-challan? You may not be able to sell your car

Introduction

Before digitalization, getting a traffic challan required you to be physically stopped by a policeman, after which you’d usually have to pay the fine on the spot. This, however, meant that if you were able to avoid being physically stopped, you could reduce the chances of having to pay that traffic challan on your driving licence. 

In the digital age we now live in however, e challans are the new way of life. A number of camera systems laid out across the country aid police officers in their duty of apprehending dishonest drivers. Now if you are caught breaking traffic rules, you will be given an e challan that will be linked to you and your vehicle. If you were not physically caught but the act was caught by a camera, an e traffic challan would be sent to you. This makes the process of avoiding these challans exponentially more difficult, making the system further tamperproof. 

Not paid e challan? You may not be able to sell your car

While e-challans have reduced the ability to be able to avoid being given a traffic challan, they have resulted in several situations wherein individuals have simply ignored the e traffic challans on their driver’s licence, and this has accumulated over time. In some instances, purchasers of second-hand vehicles have been in for a rude awakening when they find exorbitant amounts of unpaid traffic challans on their new purchase. 

The traffic police have therefore notified the RTO and requested them to keep a track of vehicles with unpaid challans, and has asked that the transfer certificates for these vehicles not be approved until the traffic challan has been cleared from their record. According to reports, only a mere 34% of traffic challans on citizens’ driver’s license has been collected. 

The RTO, upon request from the Maharashtra traffic police, has committed to providing a list of vehicles and driving licence that have unpaid challans. Synchronous with this record-keeping, the Mumbai police have begun the process of reigning in this unpaid amount and has started contacting defaults through calls or text messages, reminding them to clear their dues. Additionally, they are also looking to trap such defaulters through ‘nakabandhi’s or traffic blockades. 

Conclusion

If you have a vehicle you are looking to sell, chances are you might not be permitted to do so until your traffic challans and e-challans have been cleared off of your driving licence. As a result, it is recommended that you ensure your vehicle and driving licence is challan free. If you are looking to protect your vehicle instead of selling it, however, the Finserv MARKETS website has a number of vehicle-related insurance plans available. Visit the Finserv MARKETS website to browse through the extensive list of offerings, and pick a car insurance plan that best suits your needs.