Choose books, laptops to end violence: Army chief to Kashmiri students

Choose books, laptops to end violence: Army chief to Kashmiri students

Choose books, laptops to end violence: Army chief to Kashmiri students

NEW DELHI: Stressing that the generations were destroyed due to unrest in Jammu and Kashmir, army general, General Bipin Rawat, on Tuesday urged students to the state to choose laptops and books To help stop the cycle of violence.

Speaking to a group of Kashmir students who were supported by the army and cleared the IIT entrance examination, he stated that their success was not an easy feat and that they Have become a brilliant example for the young people of the valley.

Referring to his stadiums in Jammu and Kashmir, which recently saw a growing incident of stone bites, Rawat said his first publication in the state was in 1981-182 when the “situation was good”.

The situation began to deteriorate during its second publication between 1991 and 1993, said the army chief, noting that he also had periods of J-K from 2006 to 2008, then from 2010 to 12 pm.

“I saw the situation. How many generations will they see these shots and smoke explosives?” He asked.
“Generations have been destroyed because of this. The fear that has entered the minds of the people of Kashmir and the youth … a militant or the security forces will come
“So you have militants on one side and security forces on the other, how long we are going to stay in this atmosphere, we have to put an end to it, we want peace to be restored there and We accomplish our daily work without any problems, “Rawat said.

He also said that the recent fate of the troubles has led to a decline in tourism in the valley.
“Kashmir is paradise, we still have to bring it to that level that was before, the world is gathering to see the valley, but people can not come because of the tension,” he said.

He also asked students to return to their roots after completing their studies and helped in the development of the state to alleviate the difficulties encountered by people.

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“They (young people) should have a laptop or a book. Whatever time they get, they should devote to studies,” Rawat said.

Government starts to map your online shopping habits
The Army, along with the Center for Social Responsibility and Leadership (CSRL), is running a “Super 40” program in Jammu and Kashmir. Funded by PSU Petronet LNG Limited, the objective of the program is to train students in the state to help them eliminate the IIT entry test.

Thirty-five students were enrolled in this program. On them, 24 JEE networks unblocked and are eligible for a seat in the NIT.
Of the 24, nine have passed JEE Advanced, an entry test to get an IIT berth.

Who could not limit the entry of ITNs or IITs, passed the Jammu and Kashmir Common Entrance Test (CET) for engineering …….

Have enough evidence to prove my innocence: Vijay Mallya

Have enough evidence to prove my innocence: Vijay Mallya

Have enough evidence to prove my innocence: Vijay Mallya

NEW DELHI: Abscuing Delinquent Loan Vijay Mallya Tuesday remained defiant and dismissed all charges against him falsely upon his arrival in a London court for an extradition hearing.

“I deny all the accusations against me. I have not lost on the court, I do not have enough evidence to prove that I am not guilty,” Mallya told reporters outside the Westminster Magistrates Court in London.

The former chief of Kingfisher Airlines, 61, sought in connection with a mortgage loan of Rs 9 billion rupees cases, appeared for his extradition cases because of a formal request made by India on February 8 this year.

Tuesday’s hearing was called “case handling hearing” in which the judge set a timetable to hear arguments against and against Mallya’s extradition. The court agreed to the Baron liquor release until December 4 and sets July 6 for the next hearing date for the case.

After leaving the court, Mallya said that it was her legal obligation to be there and that she would submit her request to the competent body. When asked about the “billion pounds” (roughly Rs 9 billion rupees), who was accused of outbreak, replied the businessman, “You can continue to dream about billion pounds do not know the facts, not Ask irrelevant questions. ”

Mallya has been in the United Kingdom since March 2016 and was arrested by Scotland Yard in an extradition order on 18 April. He was released on bail after providing promptly worth £ 650,000 and guarantying the court to respect all the conditions associated with the extradition procedure, such as handing over his passport and banning possession of travel documents.

A first hearing date for case management on May 17 has been postponed to June 13
The UK Department of Public Prosecution (SPC) will bring the case before the courts on behalf of the Indian authorities. A CBI official was also invited from Delhi for the hearing.

Mallya’s advocacy team is run by Joseph Hague Aaronson LLP. Clare Montgomery, a specialist in criminal law, regulations and fraud, was asked to testify in court on his behalf.

India and the United Kingdom have an extradition treaty, signed in 1992, but so far only an extradition were carried out as part of the provision – Samirbhai Vinubhai Patel, who was sent to India October to be tried in the context of Their participation in the post-Godhra riots of 2002

Narendra Modi in US: In dealing with a fickle Donald Trump, focus must be on building personal bond

Narendra Modi in US: In dealing with a fickle Donald Trump, focus must be on building personal bond

Narendra Modi in US: In dealing with a fickle Donald Trump, focus must be on building personal bond

It is interesting to note that Donald Trump will host Narendra Modi at his first in-person meeting on June 26 at the White House; it is not Mar-a-Lago’s favorite refuge by the President of the United States, where he stayed with El President of China, Xi Jinping, and Japanese Minister Shinzo Abe.

Do what speculation is, the heat of Florida? Or are they offered to the White House as part of a more vivid discussion between two leaders they’ve never seen before? Do we conclude that Trump “negotiator” is ready to see what Modi has to offer, but we do not want to devote more or share a sticky chocolate cake like he did with Xi?

The problem is that Trump is not safe.

As far as we know, at the first sight of Modi, you can get rid of the handshake by a bear hug and focus on a closer relationship based on “personal chemistry.” If there is one predictable thing about Trump is that it is unpredictable. During the election campaign, we were promised a “friend” from India to the White House. What has instead been a revisionist leader who has deceived us into the Paris agreement and threatened to launch skilled Indian workers.
The synergy between New Delhi and Washington is the result of decades of concerted efforts and significant personal investment leaders on both sides. The distance between mutual mistrust of the Cold War and the closure of a civil nuclear agreement or a military logistics agreement was not covered in one day. And with Bill Clinton, George W. Bush, Barack Obama, Narasimha Rao and Manmohan Singh, credit should also go to Modi to lose the “history of doubt.”

However, as indicated by the director of Carnegie India, C. Raja Mohan in The Indian Express, “Having brought India its defensive shell, Modi now realizes that he must face a United States withdrawing one Traditional accessories framing India and the United States over the past two decades – including those in shared democratic values ​​and a common interest in Asia’s economic balance – no longer provide effective guidance for ‘Trump era’.

To ensure continuity of the relationship in dealing with an innocent head of history, insensitive about alliances, he suffers from a disruption of attention, rather than personal relationships above national and geopolitical considerations and seems to be totally incompetent to The work was chosen Doi, Modi may have to revise his strategy.

Unlike his recent tour of Europe and Russia, Modi can not rely on strengthening ties between India and the United States in the broader context of shared democratic values, interests and mutual concerns. It faces the challenge of ensuring the continuity of bilateral relations in the narrow paradigm of personal equations strategic interests mutual dense enough distillation established by the hands of experienced foreign policy.

To understand how it works, just look at the dynamics of geopolitics in just over thirty days Trump take the White House. NATO allies for a long time, strategic and business partners have stopped smoking or are confused.

Trump also accused Saudi Arabia of funding global terrorism and suggested that House of Saud was responsible for the Sept. 11 attacks. Following Washington Postpoints while discussing essays in the September 11 Commission report with Fox News last April, Trump said: “It will be very profound to do with Saudi Arabia and the role of Saudi Arabia in the World Trade Center and the attack “.

Its vis-a-antagonism in Saudi Arabia dates back to 1987 when it bombarded nearly $ 100,000 to place an ad in major newspapers, accusing them, among others, of aspiring to the United States and requesting that these countries “pay the United States for life And a billion dollars we have lost to protect their interests. “

MP farmers’ stir: Congress leader Jyotiraditya Scindia arrested during protest

MP farmers’ stir: Congress leader Jyotiraditya Scindia arrested during protest

MP farmers’ stir: Congress leader Jyotiraditya Scindia arrested during protest

Police arrested Congress leader MP Guna Jyotiraditya Scindia and MP-Jhabua Ratlam, Kantilal Bhuria Tuesday afternoon for defying prohibitive orders in Ratlam on the day two other indebted farmers died in Madhya Pradesh.

After their arrest, the leaders were taken in a Vajra vehicle to the city of Jaora from the toll place where they were arrested and are about 15-20 kilometers away.

Previously, Scindia with Bhuria organized a sit-in at the toll place in the Ratlam district in the afternoon to drop their protest, while police did not allow him to move to Mandsaur – the heart of agitated farmers.

Many members of Congress have joined Scindia in spite of repeated news from the district administration asking them to disperse gradually as prohibition orders were in effect in the district.

Scindia left Indore tomorrow for Mandsaur where he wanted to meet family members of five farmers were killed in a police shooting and the family of another farmer who died of the wounds he had received in a police lathi charge.

The head of Congress gave a boost to Prime Minister Shivraj Singh Chouhan and ridiculed for his fast.

“Shivraj Singh Chouhan had said that he would not end his life until peace was restored in Madhya Pradesh. If the back to restored peace in the state has ended, why prohibitive ordinances under section 144 of the Code of Conduct? Criminal Procedure, “he asked to speak with the media.

“If peace is not still there, as indicated in Article 144, prohibition orders suggest when it was a quick drama,” he wondered.

Scindia said he would not go against prohibitive orders. That’s why I wanted to go it alone. But the administration has participated in hitlershahi. “They have a problem if I want to, but they have no problem if the CM goes there (Mandsaur) tomorrow,” he added.

In view of the traffic on the national road, Scindia left the road and settled in an agricultural field to continue his dharna, to avoid the annoyance for the people who travel by road before being stopped.

Prohibition orders are in force in the adjacent Mandsaur and Neemuch districts and in Ratlam. No political leader is allowed to visit Mandsaur. Last week, Congressional Vice President Rahul Gandhi was arrested in Nayagaon in Neemuch and could not be placed in Mandsaur.

Scindia, who also met with members of farm families who have been injured in clashes in Mandsaur and are admitted to a hospital in Indore, announced that he would observe a 72-hour Satyagrah Bhopal early Wednesday morning.

Meanwhile, even as the government struggled to contain the agrarian crisis, a 68-year-old farmer was hanged from a tree on his farm in the Hoshangabad district, police said.

Makhan Lal had taken a loan of Rs 7 lakh from local lenders and sold about 7 acres over the past two years to pay increasing interest.

“My father was very depressed about the loan repayment,” said his son Rakesh Lohwanshi.

Another hardened farmer debt of the Vidisha district, Hari Singh Jatav, died during treatment in Bhopal after taking pills to end his life there a few days ago, police said. Further details are expected.

The government refuses to acknowledge that the debt would have forced farmers to commit suicide.

In July 2016, Interior Minister Bhupendra Singh was awarded ghosts, not a loss of harvest or debt as a reason for the farmers’ death. His written response was in response to a question during the monsoon session of the state assembly.

But even if the government tries to contain the damage from the hustle and bustle of farmers, it plans another potential source of problems with state arms dealers moment, against the government’s decision to treat agricultural products below minimum lift price ( MSP) to farmers as a crime.

In protest against the government’s move, traders refused to buy farmers’ products at the border in several districts such as Sehore, Shajapur, Shivpuri, Narsinghpur, deepening the agricultural crisis.

Bank Audit Audit of NPA with Special Reference to Prudential Norms

Advances constitute greatest amount in the total assets of a bank ’s balance sheet and therefore, audit of advances becomes the most important component of bank audit. case an advance account is classified as NPA (Non- Performing Asset), primary responsibility of making adequate provision for diminution in value of advance is that of the bank management and the statutory auditors. It is, therefore, imperative for the statutory auditors, to have thorough knowledge of the norms prescribed by the Reserve Bank of India (RBI) in Master Circular – ’Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances (IRAC Norms). The author in this article explains those aspects of the Master Circular regarding NPAs which are most relevant during the bank branch audit.


The prudential norms are formulated on the basis of objective criteria rather than on any subjective consideration. This has brought in uniform and consistent application of the norms and greater transparency in published accounts of banks. The latest Master Circular No. DBOD.

No. BP.BC.9/21.04.048/2014-15 dated 1st July, 2014 issued by the RBI contains IRAC norms which are applicable for the statutory audit of banks for the year ending 31s,March, 2015. For the first time, the RBI has introduced new frame work for revitalisation of distressed assets in the above circular.

Audit of NPA would basically involve identification of an account as NPA, its correct classification, income recognition, provisioning, if an account is restructured and compliance of various conditions as enumerated in the Master Circular, etc.

  • Types of Assets

Standard Asset: An account is considered as standard asset when it is not non-performing and does not carry more than normal risk attached to the business.

Non-Performing Asset (NPA): An asset becomes NPA when it ceases to generate income for the bank. This would mean that an account would be classified as NPA on the basis of record of recovery rather than security charged in favour of the bank in respect of such account. Thus, an account would become NPA if interest charged to that particular borrower is not realised within the prescribed time frame despite the account being fully secured.

  • Identification of Account as NPA

The RBI has laid down undermentioned criteria for classification of various types of advances as NPA which is based on record of recovery:

  • Term Loan: Interest and/or instalment of principal remain overdue for a period of more than 90 days.

It is very important to note here that as per para

  • of the Master Circular, an account would be classified as NPA only if the interest due and charged during any quarter is not serviced fully within 90 days from the end of the quarter. For example, interest is charged on 30th November, 2014 in a term loan account. Now, if it is not serviced within 90 days from 31st December, 2014, then term loan account would become NPA, not otherwise.
  • Overdraft/Cash Credit: If an account remains out of order, it would become NPA. For this purpose, an account would be treated as ‘out of order’ if:
  1. The outstanding balance remains continuously in excess of the sanctioned


limit/drawing power for 90 days or more, or

  1. Even if the outstanding balance in the account is less than the sanctioned limit/ drawing power, there are no credits in the account continuously for 90 days as on the date of the balance sheet, or
  2. Credits in the account are not sufficient to cover interest debited during the same period.

As on 31st March, 2015, if any of the above criteria is satisfied, the account would be classified as NPA. Auditor should verify stock statement to check the correctness of drawing power and whether the same is calculated in accordance with the approved policy of bank. Auditor should not assume sanctioned limit to be the drawing power. There may be instances where drawing power would be less than the sanctioned limit. For example, sanctioned limit of an account may be ^25 lakh but the drawing power of the account may not necessarily be ?25 lakh and it could less than that. A CC/OD account which is classified as standard may get classified as NPA because of an error in calculation of drawing power.

  • Bills Purchased/Discounted: If the bill

purchased or discounted remains overdue for a period of more than 90 days from its due date.

  • Agricultural Advances: A loan granted for-
  1. Short duration crops will be treated as NPA, if the installment of principal or interest thereon remains overdue for two crop seasons.
  2. Long duration crops will be treated as NPA, if the installment of principal or interest thereon remains overdue for one crop season.

For the purpose of these guidelines, “long duration” crops would be crops with crop season longer than one year and NPA date would depend on crop cycle, which is

A credit card account will be treated as NPA, if the minimum amount due, as mentioned in the statement, is not paid fully within 90 days from the next statement date. The gap between two statements should not be more than a month.