12 Sep

20 Difficult Idioms for Exams and Learning

IdiomMeaning
Beat around the bushTo avoid talking about what’s important
Get your act togetherGet organized and do things effectively
Hit the sackGo to sleep
Your guess is as good as mineI do not know
Good things come to those who waitTo have patience
Back against the wallStuck in a difficult circumstance with no escape
Up in armsBeing grumpy or angry about something
Scrape the barrelMaking the most of the worst situation or things because you can’t do anything about it
Burn your boats/bridgesDoing something that makes it impossible to go back to the original state.
Break fresh/ new groundDoing something that has never been done before
Sell like hot cakesQuick sellout
Run around in circlesPutting efforts into something that is not worthwhile result
On cloud nineBeing very happy
Left out in the coldBeing ignored
Blow hot and coldAlternate inconsistently between moods and actions
Cut cornersDoing something in an easier and least expensive manner
Boil the oceanTaking up an almost impossible or overly ambitious project
Keep an ear to the groundStaying informed and updated about everything
Eat like a horseEating too excessively
A snowball effectThe aspect of momentum in every event and how they build upon each other
05 Jun

TOP 10 HIGHEST MOUNTAINS IN THE WORLD

Check out the Top 10 Highest Mountains in the World. This question is generally asked in the competitive and government exams.

1. MOUNT EVEREST, HIMALAYAS, NEPAL/TIBET AUTONOMOUS REGION, CHINA – 8848M

2. K2, KARAKORAM, PAKISTAN/CHINA – 8611M

3. KANGCHENJUNGA, HIMALAYAS, NEPAL/INDIA – 8586M

4. LHOTSE, HIMALAYAS, NEPAL/TIBET AUTONOMOUS REGION, CHINA – 8516M

5. MAKALU, HIMALAYAS, NEPAL/TIBET AUTONOMOUS REGION, CHINA – 8485M

6. CHO OYU, HIMALAYAS, NEPAL/TIBET AUTONOMOUS REGION, CHINA – 8188M

7. DHAULAGIRI, NEPAL – 8167M

8. MANASLU, NEPAL – 8163M

9. NANGA PARBAT, PAKISTAN – 8126M

10. ANNAPURNA I, NEPAL – 8091M

11 Nov

TELANGANA NI ACT BANK HOLIDAYS 2021 – GENERAL HOLIDAYS & RESTRICTED OPTIONAL HOLIDAYS 2021

Check out TELANGANA NI ACT BANK HOLIDAYS 2021. These are also called ‘Gazetted Holidays under NI Act'(The Negotiable Instruments Act, 1881) which are applicable for all Banks, LIC, GIC, GIPSA Insurance Companies and various other public sector companies.

Also check out GENERAL HOLIDAYS & RESTRICTED HOLIDAYS 2021 (OPTIONAL). General Holidays are applicable to State government employees of the Telangana Government.

(1) Telangana BANK HOLIDAYS UNDER NI ACT 2021 – CLICK HERE

 (2) TELANGANA GENERAL & OPTIONAL RESTRICTED HOLIDAYS 2021 – CLICK HERE

23 Jul

List of N.I. Act Bank Holidays for 2021 – All States (Delhi, West Bengal, Telangana, Maharashtra, Rajasthan, Tamil Nadu, Uttar Pradesh, Karnataka, Kerala, Gujarat, Haryana, Punjab, Odisha, etc.)

State Wise Lists of Indian Bank Holidays 2021 under N.I. Act or Public Holidays.

BANK HOLIDAYS AS NOTIFIED BY IBA / RBI under Negotiable Instruments Act(NI Act) for THE YEAR 2020 FOR DIFFERENT STATES IN INDIA – Andhra Pradesh, Arunachal Pradesh, Assam, Bihar, Chhattisgarh, Chandigarh, Delhi, Dadra and Nagar Haveli, Daman and Diu, Goa, Gujarat, Haryana, Himachal Pradesh, Jammu & Kashmir, Jharkhand, Karnataka, Kerala, Ladakh, Madhya Pradesh, Maharashtra, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Punjab, Puducherry, Rajasthan, Sikkim, Tamil Nadu, Telangana, Tripura, Uttarakhand, Uttar Pradesh, West Bengal.

State Wise Links are given below of Holidays for year 2021 under NI Act. These are also called ‘Gazetted Holidays under NI Act'(The Negotiable Instruments Act, 1881) which are applicable for all Banks, LIC, GIC, GIPSA Insurance Companies and various other public sector companies.

Click Below on the Name of the State for Which You Want to see the list of Holidays 2021 As Declared by Respective States under NI Act and also Notified by IBA / RBI (These are also called Public Holidays by most of the states). Please note that we will keep updating these links as some of the states have not announced holidays till date.

1) Andhra Pradesh BANK HOLIDAYS 2021 – CLICK HERE

2) Arunachal Pradesh BANK HOLIDAYS 2021- CLICK HERE

3) Assam BANK HOLIDAYS 2021 – CLICK HERE

4) Bihar BANK HOLIDAYS 2021 – CLICK HERE

5) Chhattisgarh BANK HOLIDAYS 2021 – CLICK HERE

6) Goa BANK HOLIDAYS 2021 – CLICK HERE

7) Gujarat BANK HOLIDAYS 2021 – CLICK HERE

8) Haryana BANK HOLIDAYS 2021 – CLICK HERE

9) Himachal Pradesh BANK HOLIDAYS 2021- CLICK HERE

10) Jharkhand BANK HOLIDAYS 2021 – CLICK HERE

11) Karnataka BANK HOLIDAYS 2021 – CLICK HERE

12) Kerala BANK HOLIDAYS 2021 – CLICK HERE

13) Madhya Pradesh BANK HOLIDAYS 2021 – CLICK HERE

14) Maharashtra BANK HOLIDAYS 2021 – CLICK HERE

15) Manipur BANK HOLIDAYS 2021 – CLICK HERE

16) Meghalaya BANK HOLIDAYS 2021 – CLICK HERE

17) Mizoram BANK HOLIDAYS 2021 – CLICK HERE

18) Nagaland BANK HOLIDAYS 2021 – CLICK HERE

19) Odisha BANK HOLIDAYS 2021 – CLICK HERE

20) Punjab BANK HOLIDAYS 2021 – CLICK HERE

21) Rajasthan BANK HOLIDAYS 2021 – CLICK HERE

22) Sikkim BANK HOLIDAYS 2021 – CLICK HERE

23) Tamil Nadu BANK HOLIDAYS 2021 – CLICK HERE

24) Telangana BANK HOLIDAYS UNDER NI ACT 2021 – CLICK HERE

   TELANGANA GENERAL & OPTIONAL RESTRICTED HOLIDAYS 2021 – CLICK HERE

25) Tripura BANK HOLIDAYS 2021 – CLICK HERE

26) Uttar Pradesh BANK HOLIDAYS 2021 – CLICK HERE

27) Uttarakhand BANK HOLIDAYS 2021 – CLICK HERE

28) West Bengal BANK HOLIDAYS 2021 – CLICK HERE

UNION TERRITORIES OF INDIA

1) Andaman and Nicobar Islands BANK HOLIDAYS 2021 – CLICK HERE

2) Chandigarh BANK HOLIDAYS 2021 – CLICK HERE

3) Dadra and Nagar Haveli BANK HOLIDAYS 2021 – CLICK HERE

4) Daman and Diu BANK HOLIDAYS 2021 – CLICK HERE

5) Jammu and Kashmir BANK HOLIDAYS 2021 – CLICK HERE

6) Ladakh BANK HOLIDAYS 2021 – CLICK HERE

7) National Capital Territory of Delhi BANK HOLIDAYS 2021 – CLICK HERE

8) Lakshadweep BANK HOLIDAYS 2021 – CLICK HERE

9) Pondicherry BANK HOLIDAYS 2021 – CLICK HERE

23 Jul

11th BPS SETTLEMENT MOI – INCREASE in Family Pension

The only bright spot for retirees in 11th BPS is improvement in Family Pension.
(That too an informal information)
A sample calculation on Dec 2019 DA %:
*Family Pension Clarification:*
*Formula:*
*(Based on last drawn Basic Pay+Spl.Pay+PQA+FPP)*
*For 10th B.P.S*
*Up to Rs.* *11000=30%*
*11001 to 22200=20%*
*Above 22201 =15%*
*Example:*
*A Spl.Asst. last drawn B.P.*
*=Rs.47510*
*His Basic Pension=23755*
*His Pension+D.A(71.70%)*
*After commutation =32869*
*Family Pension as per formula comes to*
*Basic pension*
*9337 ( works out to 19.65% of Last drawn B.P.) +D.A. 6694 =16031*
*If the basic is higher than 47510 ,then this 19.65% will still be reduced.*
*Our demand is to raise this percentage to 30% without slab system, as per Central/State Govt. pension scheme*
*If accepted, revised Family Pension in this case will be*
*14253+10219=Rs.24472*
Hence new Family Pension= 24472
Old Family Pension=16031

23 Jul

NEW BASIC PAY SALARY CHART FOR BANKS AS PER 11 BPS SETTLEMENT MOI

11TH BIPARTITE SETTLEMENT (BPS) in Public Sector Banks is due from 1.11.2017. Finally after months of negotiations between the IBA and Bank Unions, a MOI has been signed on July 22, 2020.

Check out the NEW BASIC PAY SALARY CHART FOR BANKS’ Employees AS PER 11 BPS SETTLEMENT MOI:

 

UPDATE ON NOVEMBER 11, 2020:

Conclusion of Discussions between Indian Banks` Association and Workmen Unions ON November 11, 2020. Check out the final settlement terms signed.

UPDATE ON NOVEMBER 2, 2020:

Clerical and Sub-Staff pay scales have been finalized.

clerical revised pay scales 11 bps
Sub Staff Revised Pay Scales 11 BPS
11 BPS

CLICK ON THE LINKS BELOW

NEW BASIC PAY CHART 11 bps pdf

11 bps projections pdf

MORE LINKS: 11TH BIPARTITE SETTLEMENT – Wage Revision 2017 in Public Sector Banks – All Updates

06 Nov

List of N.I. Act Bank Holidays for 2020 – All States (Delhi, West Bengal, Telangana, Maharashtra, Rajasthan, Tamil Nadu, Uttar Pradesh, Karnataka, Kerala, Gujarat, Haryana, Punjab, Odisha, etc.)

State Wise Lists of Indian Bank Holidays 2020 under N.I. Act or Public Holidays.

BANK HOLIDAYS AS NOTIFIED BY IBA / RBI under Negotiable Instruments Act(NI Act) for THE YEAR 2020 FOR DIFFERENT STATES IN INDIA – Andhra Pradesh, Arunachal Pradesh, Assam, Bihar, Chhattisgarh, Chandigarh, Delhi, Dadra and Nagar Haveli, Daman and Diu, Goa, Gujarat, Haryana, Himachal Pradesh, Jammu & Kashmir, Jharkhand, Karnataka, Kerala, Ladakh, Madhya Pradesh, Maharashtra, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Punjab, Puducherry, Rajasthan, Sikkim, Tamil Nadu, Telangana, Tripura, Uttarakhand, Uttar Pradesh, West Bengal.

State Wise Links are given below of Holidays for year 2020 under NI Act. These are also called ‘Gazetted Holidays under NI Act'(The Negotiable Instruments Act, 1881) which are applicable for all Banks, LIC, GIC, GIPSA Insurance Companies and various other public sector companies.

Click Below on the Name of the State for Which You Want to see the list of Holidays 2020 As Declared by Respective States under NI Act and also Notified by IBA / RBI (These are also called Public Holidays by most of the states). Please note that we will keep updating these links as some of the states have not announced holidays till date.

1) Andhra Pradesh BANK HOLIDAYS 2020 – CLICK HERE

2) Arunachal Pradesh BANK HOLIDAYS 2020 – CLICK HERE

3) Assam BANK HOLIDAYS 2020 – CLICK HERE

4) Bihar BANK HOLIDAYS 2020 – CLICK HERE

5) Chhattisgarh BANK HOLIDAYS 2020 – CLICK HERE

6) Goa BANK HOLIDAYS 2020 – CLICK HERE

7) Gujarat BANK HOLIDAYS 2020 – CLICK HERE

8) Haryana BANK HOLIDAYS 2020 – CLICK HERE

9) Himachal Pradesh BANK HOLIDAYS 2020 – CLICK HERE

10) Jharkhand BANK HOLIDAYS 2020 – CLICK HERE

11) Karnataka BANK HOLIDAYS 2020 – CLICK HERE

12) Kerala BANK HOLIDAYS 2020 – CLICK HERE

13) Madhya Pradesh BANK HOLIDAYS 2020 – CLICK HERE

14) Maharashtra BANK HOLIDAYS 2020 – CLICK HERE

15) Manipur BANK HOLIDAYS 2020 – CLICK HERE

16) Meghalaya BANK HOLIDAYS 2020 – CLICK HERE

17) Mizoram BANK HOLIDAYS 2020 – CLICK HERE

18) Nagaland BANK HOLIDAYS 2020 – CLICK HERE

19) Odisha BANK HOLIDAYS 2020 – CLICK HERE

20) Punjab BANK HOLIDAYS 2020 – CLICK HERE

21) Rajasthan BANK HOLIDAYS 2020 – CLICK HERE

22) Sikkim BANK HOLIDAYS 2020 – CLICK HERE

23) Tamil Nadu BANK HOLIDAYS 2020 – CLICK HERE

24) Telangana BANK HOLIDAYS 2020 – CLICK HERE

25) Tripura BANK HOLIDAYS 2020 – CLICK HERE

26) Uttar Pradesh BANK HOLIDAYS 2020 – CLICK HERE

27) Uttarakhand BANK HOLIDAYS 2020 – CLICK HERE

28) West Bengal BANK HOLIDAYS 2020 – CLICK HERE

UNION TERRITORIES OF INDIA

1) Andaman and Nicobar Islands BANK HOLIDAYS 2020 – CLICK HERE

2) Chandigarh BANK HOLIDAYS 2020 – CLICK HERE

3) Dadra and Nagar Haveli BANK HOLIDAYS 2020 – CLICK HERE

4) Daman and Diu BANK HOLIDAYS 2020 – CLICK HERE

5) Jammu and Kashmir BANK HOLIDAYS 2020 – CLICK HERE

6) Ladakh BANK HOLIDAYS 2020 – CLICK HERE

7) National Capital Territory of Delhi BANK HOLIDAYS 2020 – CLICK HERE

8) Lakshadweep BANK HOLIDAYS 2020 – CLICK HERE

9) Pondicherry BANK HOLIDAYS 2020 – CLICK HERE

09 Jun

Merger of Public Sector Banks (OBC, Indian Overseas, PNB, BOI, Union, Canara)- All Updates

The government is studying various models of Merger of Public Sector Banks (PSU) banks, though a concrete decision will be taken only after the success of three-way merger of Bank of Baroda (BoB), Dena Bank and Vijaya Bank, official sources said.

“There are various models that could be looked at. There could be a merger of 5-6 pan-India banks with regional reach, like the Bank of Baroda. The second option is to combine 12-15 banks. The other option is merger of regional banks on the basis of their strengths,” sources said.

“The success of the merger happening right now (BoB-Dena Bank-Vijaya Bank) will be looked at closely before deciding on a future course,” said a source.

Check out the timeline of Merger of Public Sector Banks:

JUNE 6, 2019

Merger of Public Sector Banks

31 Jan

Classification of Field Crops – Agriculture GK

Field crops may be classified in more than one way. It may be on the basis of:

1)Climate:
Tropical: Crops grow well in warm & hot climate. E.g. Rice, sugarcane, Jowar etc
Temperate: Crops grow well in cool climate. E.g. Wheat, Oats, Gram, Potato etc.

2) Growing Season:
Kharif/Rainy/Monsoon crops: The crops grown in monsoon months from June to Oct-Nov, Require warm, wet weather at major period of crop growth, also required short day length for flowering. E.g. Cotton, Rice, Jowar, bajara.
Rabi/winter/cold seasons crops: require winter season to grow well from Oct to March month. Crops grow well in cold and dry weather. Require longer day length for flowering. E.g. Wheat, gram, sunflower etc.
Summer/Zaid crops: crops grown in summer month from March to June. Require warm day weather for major growth period and longer ay length for flowering. E.g. Groundnuts, Watermelon, Pumpkins, Gourds.

3)Use/Agronomic classification:
Grain crops: may be cereals as millets cereals are the cultivated grasses grown for their edible starchy grains. The larger grain used as staple food is cereals. E.g. rice, Jowar, wheat, maize, barley, and millets are the small-grained cereals which are of minor importance as food. E.g. Bajara.
Pulse/legume crops: seeds of leguminous crops plant used as food. On splitting, they produced dal which is rich in protein. E.g. green gram, black gram, soybean, pea, cowpea etc.
Oilseeds crops: crop seeds are rich in fatty acids, are used to extract vegetable oil to meet various requirements. E.g. Groundnut, Mustard, Sunflower, Sesamum, linseed etc.
Forage Crop: It refers to vegetative matter fresh as preserved utilized as food for animals. Crop cultivated & used for fickler, hay, silage. Ex- sorghum, elephant grass, guinea grass, berseem & other pulse bajara etc.
Fiber crops: crown for fiber yield. Fiber may be obtained from seed. E.g. Cotton, steam, jute, Mesta, sun hemp, flax.
Roots crops: Roots are the economic produce in root crop. E.g. sweet, potato, sugar beet, carrot, turnip etc.
Tuber crop: crop whose edible portion is not a root but a short thickened underground stem. E.g. Potato, elephant, yam.
Sugar crops: the two important crops are sugarcane and sugar beet cultivated for production for sugar.
Starch crops: grown for the production of starch. E.g. tapioca, potato, sweet potato.
Dreg crop: used for preparation of medicines. E.g. tobacco, mint, pyrethrum.
Spices & condiments/spices crops: crop plants as their products are used to flavor taste and sometime color the fresh preserved food. E.g. ginger, garlic, chili, cumin onion, coriander, cardamom, pepper, turmeric etc.
Vegetable crops: may be leafy as fruity vegetables. E.g. Palak, mentha, Brinjal, tomato.
Green manure crop: grown and incorporated into soil to increase fertility of soil. E.g. sun hemp.
Medicinal & aromatic crops: Medicinal plants include cinchona, isabgoli, opium poppy, senna, belladonna, rauwolfra, iycorice and aromatic plants such as lemon grass, citronella grass, palmorsa, Japanese mint, peppermint, rose geranicem, jasmine, henna etc.

4) Life of crops/duration of crops:
Seasonal crops: A crop completes its life cycle in one season-Karin, Rabi. summer. E.g. rice, Jowar, wheat etc.
Two seasonal crops: crops complete its life in two seasons. E.g. Cotton, turmeric, ginger.
Annual crops: Crops require one full year to complete its life in a cycle. E.g. sugarcane.
Biennial crops: which grows in one year and flowers, fructifies & perishes the next year? E.g. Banana, Papaya.
Perennial crops: crops live for several years. E.g. Fruit crops, mango, guava etc.

5) Cultural method/water:
Rainfed: crops grow only on rainwater. E.g. Jowar, Bajara, Mung etc.
Irrigated crops: Crops grows with the help of irrigation water. E.g. Chili, sugarcane, Banana, papaya etc.

6) Root system:
Taproot system: The main root goes deep into the soil. E.g. Tur, Grape, Cotton etc.
Adventitious/Fiber rooted: The crops whose roots are fibrous shallow & spreading into the soil. E.g. Cereal crops, wheat, rice etc.

7) Economic Importance:
Cash crop: Grown for earning money. E.g. Sugarcane, cotton.
Food crops: Grown for raising food grain for the population and & fodder for cattle. E.g. Jowar, wheat, rice etc.

8) No. of Cotyledons:
Monocots or monocotyledons: Having one cotyledon in the seed.
Gramineae: includes the following crops: wheat, barley, rice, maize, oat, sugar cane, sorghum, ryegrass, and sudangrass.
Liliaceae: includes onion and garlic.

Dicots or dicotyledonous: Crops having two cotyledons in the seed.
Leguminosae: field bean, lupine, chickpea, lentil, fenugreek, Egyptian clover, alfalfa, soybean, peanut, grass pea, castor bean, red clover and white clover.
Malvaceae: cotton.
Linaceae: flax.
Solanceae: potato, tomato, and tobacco.
Pedaliaceae: sesame.
Composite: sunflower and safflower

9) Photosynthesis (Reduction of CO2/Dark reaction):
C3 plants: Photorespiration is high in these plants C3 Plants have lower water use efficiency. The initial product of C assimilation in the three ‘C’ compounds. The enzyme involved in the primary carboxylation is ribulose-1,-Bisphosphate carboxylase. E.g. Rice, soybeans, wheat, barley cotton, potato.
C4 plants: The primary product of C fixation is four carbon compounds which may be malice acid or acerbic acid. The enzymes responsible for carboxylation are phosphoenol Pyruvic acid carboxylase which has a high affinity for CO2 and capable of assimilation CO2 event at a lower concentration, photorespiration is negligible. Photosynthetic rates are higher in C4 than C3 plants for the same amount of stomatal opening. These are said to be drought resistant & they are able to grow better even under moisture stress. C4 plants translate photosynthates rapidly. E.g. Sorghum, Maize, Napier grass, sesame etc.
CAM plants (Crassulacean Acid Metabolism): the stomata open at night and a large amount of CO2 is fixed as a malic acid which is stored in vacuoles. During day stomata are closed. There is no possibility of CO2 entry. CO2 which is stored as malice acid is broken down & released as CO2. In these plants, there is negligible transpiration. C4 & CAM plants have high water use efficiency. These are highly drought resistant. E.g. Pineapple, sisal & agave.

10) Length of Photoperiod required for Floral Initiation:
Most plants are influenced by the relative length of the day & night, especially for floral initiation, the effect on a plant is known as photoperiodism depending on the length of photoperiod required for floral ignition, plants are classified as:
Short-day plants: Flower initiation takes plate when days are short less than ten hours. E.g. rice, Jowar, green gram, black gram etc.
Long day’s plants: require long days are more than ten hours for floral ignition. E.g. Wheat, Barley,
Day-neutral plants: Photoperiod does not have much influence for phase change for these plants. E.g. Cotton, sunflower. The rate of the flowering initiation depends on how short or long is photoperiod. Shorter the days, more rapid initiation of flowering in short days plants. Longer the days more rapid are the initiation of flowering in long days plan

20 Dec

Telangana Cooperative Apex Bank Recruitment 2018: Notification/ Apply Online/ Exams /PDF

Telangana State Cooperative Apex Bank Ltd has released the official notifications for appointment to the posts of Assistant Managers and Staff Assistants in various districts. Candidate should be a local candidate of the State of Telangana.

Recruitment of Assistant Manager/Staff Assistant:

Important Dates:

Commencement of on-line registration of application:19/12/2018
Closure of registration of application: 05/01/2019
Closure for editing application details:05/01/2019
Last date for printing your application: 20/01/2019
Online Fee Payment: 19/12/2018 to 05/01/2019
Tentative date of online test: 16th/17th February, 2019 (tentative)

Click Here to View the Official Notification

Click Here to Apply Online