IGRS (Integrated Grievance Redressal Status) PORTAL UP

By Simran Kaur,  Flywork.io TeamFlywork.io.

IGRS (Integrated Grievance Redressal System) is an online portal that provides services related to land. In other words, It is a state government’s dedicated portal to maintain records while providing many online services to the citizens such as property details, encumbrance details, stamp duty information, etc. 

Each state’s Stamp and Registration Department maintains a specialized portal, IGRS, where individuals can access a variety of property-related online services. The portal allows users to access online certified copies of deeds, stamp duty information, and information on specific properties, among other things. 

According to an analysis by the Central Public Grievance Redress and Monitoring System (CPGRAMS), Uttar Pradesh has become among the top five states in the country for rapid redress of public grievances. By resolving 68.89 percent of concerns in the last ten months under, the state has pushed its way into the top five states. 

Puducherry tops the list with 96.61 percent grievance redressal, followed by Chhattisgarh with 83.91 percent, Delhi with 74.38 percent, and Tamil Nadu with 71.26 percent.

Let’s get to know more about the IGRS portal regarding Uttar Pradesh’s IGRS portal.

IGRS UP

IGRS UP is essentially an integrated mechanism for resolving residents' issues in the state of Uttar Pradesh. People can use this service to make complaints, track their IGRS status, and provide comments to the government. Jansunwai UP status can be viewed at jansunwai.up.nic.in using the prescribed steps.

It was launched by the then-Chief Minister in 2016. It is an online system that encourages transparency and ensures that government departments are accountable to the state's citizens.

IGRS UP Complaint and Status Tracking: The public can quickly submit their concerns and issues with any government department through this portal. Jansunwai portal is the name of this integrated system. People can file their complaints at any time and from anywhere. They are not required to go to several government departments and offices to file complaints or register concerns. 

The public and state departmental officers can use IGRS UP since it has a user-friendly interface and use the portal in either English or Hindi, depending on their preference.

JANSUNWAI APP

Along with the online portal, the UP government gives citizens another venue to register their issues. Citizens can also use the Samadhan smartphone application, UP IGRS, to make grievances.

Both civilians and officers can use the Android application. The goal of the smartphone app is to achieve mobile government in the state. Citizens can use this app to send their complaints and track their progress without having to visit the official website. Similarly, departmental officers can use this mobile application to review complaints that have been emailed to them. 

VARIOUS SERVICES AVAILABLE ON IGRS UP

  • Understand your SRO 
  • Property service registration copies that have been certified 
  • Search for encumbrances 
  • E-stamping 
  • Looking for the market value of a commodity
  • Registration of a society 
  • Sale document, bainama and dastavez in Uttar Pradesh 
  • Registration of marriages 
  • Information on chit money 
  • Vendors of stamps and information about stamp

BENEFITS OF THE PORTAL

  • With the assistance of information technology, it facilitated good governance in the state. 
  • It is a simple and user-friendly interface for citizens to register complaints. 
  • It is a transparent common interface for all citizen grievances. 
  • Citizens are given a single username/password to use to register problems with various departments via this single portal.

 

Let the qualified curated professionals at Flywork.io assist you to resolve any legal and allied issues. For more details visit us at Flywork.io.

Integrated Law Courses – Get The Best Of Both Worlds

 

From Mahatma Gandhi to Nelson Mandela to Barack Obama – before becoming figures who shaped the history of the world, they were all practitioners of law. Thus, studying law not only opens prospective career options for you, but it also comes with great social responsibility. Add to that the expertise and the knowledge that is gained from a bachelor’s degree education in a subject and minus at least a year. Confused? This is what an integrated law course is all about!
 
Integrated law courses are designed for you to attain two traditional degrees at the same time. By taking up an integrated law course, a student can pursue two courses under one program. An LLB is usually pursued after a student completes his or her graduation. Integrated courses cover a bachelor’s degree course along with an LLB program right after completing class 12.

This not only saves time but a BA LLB degree holder or a candidate with a B. Com LLB or BSc LLB or BBA LLB degree is of immense value to employers.

Advantages of Taking up Integrated Law courses

  • Students who are keen on pursuing law right after school can do so without having to complete graduation in another subject.
  • This program allows students to get two separate traditional degrees together.
  • An integrated course saves time. A bachelor’s degree education takes 3 to 4 years to complete and an LLB program takes 3 years. Together they take 6-7 years. But an integrated law course takes only 5 years.

Career Options after an Integrated Program in Law

Integrated law courses are not designed to remain enclosed within classrooms. They involve mock courtroom training, case studies, etc. Thus, candidates from this program are valued both in the government sector and private organizations.

  • You can get yourself enrolled with the Bar Council of India and start working as an advocate.
  • Plenty of government jobs await good candidates of integrated law courses. A dual degree holder has a good chance of bagging a government job in a senior post.
  • Good law firms are always on the lookout for candidates that have dual degrees from integrated law courses.
  • You can join the legal teams of multi-national companies.
  • You can practice independently and open a legal consulting firm.

Further studies

  • You can go for LLM or master’s in law course.
  • You can go for an MBA course or a specialized Master of Business Laws or MBL course.
  • Universities abroad also offer integrated post-graduation programmes in Law.
  • You can go for a PhD program.

The integrated law courses of Invertis University Bareilly are very popular among students who want to make Law their forte. Invertis University offers 3 types of integrated law courses –

  • BA LLB – Divided into 10 semesters and covering almost 50 subjects of importance.
  • BBA LLB – Focusing on concepts of business and law and the areas where they merge.
  • B. Com LLB – Aims at a multi-disciplinary approach towards solving socio-legal problems.

Duration – 5 years
Eligibility – 50% (45% for SC/ST) in marks in 10+2
Selection Criteria – On the basis of CLAT/AILET/SCORECARD/IUCET

A candidate with integrated law program degrees are considered highly specialized in state and central government sector as well as private companies. The course combines the best of both worlds.

LAW MINISTRY AND MINISTER OF INDIA

The Ministry of Law and Justice in the Government of India is a cabinet ministry which deals with the management of the legal affairs, legislative activities and administration of justice in India through its three departments namely the Legislative Department and the Department of Legal Affairs and Department of Justice respectively.

The Department of Legal Affairs is concerned with advising the various Ministries of the Central Government while the Legislative Department is concerned with drafting of principal legislation for the Central Government.

 The ministry is headed by a cabinet rank minister appointed by the President of India on the recommendation of the Prime Minister of India.

The first Law and Justice minister of independent India was B. R. Ambedkar, who served in Prime Minister Jawaharlal Nehru's cabinet during 1947–52.

Ravi Shankar Prasad is the current minister for law and justice in India.

 

The Government of India (Allocation of Business) Rules of 1961 entail the various departments working under the Ministry of Law and Justice of Government of India. In terms of these Rules, the Ministry comprises the following departments:

Department of Legal Affairs,

Legislative Department,

Department of Justice

 

Legislative Department

The Legislative Department is mainly concerned with drafting of all principal legislation for the Central Government i.e. Bills to be introduced in Parliament, Ordinances to be promulgated by the President, measures to be enacted as President's Acts for States under the President's rule and Regulations to be made by the President for Union territories.

It is also concerned with election Laws namely the Representation of the People Act 1950 and the Representation of the People Act 1951.

In addition, it is also entrusted with task of dealing with certain matters relating to List III of the Seventh Schedule to the Constitution like personal law, contracts evidence etc.

 The responsibility of maintaining up to date the statutes enacted by Parliament is also with this Department. The Allocation of Business Rules identify the following functions to be carried out by this Department;

 [1]The drafting of Bills, including the business of the Draftsmen in Select Committees, drafting and promulgation of Ordinances and Regulations; enactment of State Acts as President's Acts whenever required; scrutiny of Statutory Rules and Orders (except notifications under clause (a) of section 3, section 3A and section 3D, of the National Highways Act, 1956 (48 of 1956)).

Constitution Orders; notifications for bringing into force Constitution (Amendment) Acts.

(a) Publication of Central Acts, Ordinance and Regulations; (b) Publication of authorised translations in Hindi of Central Acts, Ordinances, Orders, Rules, Regulations and bye-laws referred to in section 5(1) of the Official Languages Act, 1963 (19 of 1963).

Compilation and publication of unrepealed Central Acts, Ordinances and Regulations of general statutory Rules and Orders, and other similar publications.

Elections to Parliament, to the Legislatures of States, to the Offices of the President and Vice-President; and the Election Commission.

Preparation and publication of standard legal terminology for use, as far as possible, in all official languages.

Preparation of authoritative texts in Hindi of all Central Acts and of Ordinances promulgated and Regulations made by the President and of all rules, regulations and orders made by the Central Government under such Acts, Ordinances and Regulations.

Making arrangements for the translation into official languages of the States of Central Acts and of Ordinances promulgated and Regulations made by the President and for the translation of all State Acts and Ordinances into Hindi if the texts of such Acts or Ordinance are in a language other than Hindi.

Publication of law books and law journals in Hindi.

Marriage and divorce; infants and minors; adoption, wills; intestate and succession; joint family and partition.

Transfer of property other than agricultural land (excluding benami transactions registration of deeds and documents).

Contracts, but not including those relating to agricultural land.

Actionable wrongs.

Bankruptcy and insolvency.

Trusts and trustees, Administrators, General and Official Trustees.

Evidence and oaths.

Civil Procedure including Limitation and Arbitration.

Charitable and religious endowments and religious institutions.

Department of Justice

The Department of Justice performs the administrative functions in relation to the appointment of various judges at various courts in India, maintenance and revision of the conditions and rules of service of the judges and other related areas. The Allocation of Business Rules identify the following functions to be carried out by this Department.

Appointment, resignation and removal of the Chief Justice of India and Judges of the Supreme Court of India; their salaries, rights in respect of leave of absence (including leave allowances), pensions and travelling allowances.

Appointment, resignation and removal, etc., of Chief Justice and Judges of High Courts in States; their salaries, rights in respect of leave of absence (including leave allowances), pensions and travelling allowances.

Appointment of Judicial Commissioners and Judicial officers in Union Territories.

Constitution and organisation (excluding jurisdiction and powers) of the Supreme Court (but including contempt of such Court) and the fees taken therein.

Constitution and organisation of the High Courts and the Courts of Judicial Commissioners except provisions as to officers and servants of these courts.

Administration of justice and constitution and organisation of courts in the Union Territories and fees taken in such courts.

Court fees and Stamp duties in the Union Territories.

Creation of all India Judicial Service.

Conditions of service of District Judges and other Members of Higher Judicial Service of Union Territories.

Extension of the Jurisdiction of a High Court to a Union Territory or exclusion of a Union Territory from the Jurisdiction of a High Court.

Reference Guide for opening new Commercial Establishments

 

Introduction to Idea of Shops, Establishments and the Licenses Required

This blog post aims to serve as a one-time reference guide with regard to opening new shops and commercial establishments in India. It deals with various licenses and registrations that one has to compulsorily acquire in order to set up a business. Every state in India has the jurisdiction to enact its own Shops Act to regulate every business that exists within their territories. It is one of the most powerful tools to ensure that all legal businesses are recorded with the respective state governments. Only after successful compliance with the shops registration act, the existence of the business is confirmed.

This blog post deals specifically with the license requirement for opening shops and commercial establishments in Mumbai. There is no specific reason for choosing Mumbai as a model city except that it requires one of the maximum numbers of permits from different departments of the Municipal Corporation. Giving an account of the licenses required in Mumbai would almost definitely cover the licenses required in other states in India.

Depending on the type of business one is in, the licenses vary. For example, someone who wishes to venture into the food industry, by opening a restaurant requires permits from the Food and Drug Inspector, the Fire Department, the Police Commissioner and the local municipal authorities; for a normal grocery shop, one needs approvals from the fire department, municipality and health department. This blog will cover the general requirements for opening a shop or any commercial establishment under the meaning of the Bombay Shops and Establishments Act, 1948.

Application Procedure

Any citizen who wishes to open a shop or a commercial establishment in Maharashtra must be registered under the Bombay Shops and Establishments Act, 1948. For the purposes of registration, every business owner must send the relevant application form along with the fees to the Inspector appointed under Section 48 of the Act. The default authority under the Act is “local authority” that can be the following entities as per Schedule 1A of the Act –

  1. Any corporation under the Bombay Municipal Corporation Act, 1888
  2. A Municipality under the Bombay Municipal Boroughs Act, 1925, Bombay District Municipal Act, 1901, the Central Provinces and Berar Municipalities Act, 1922 or the Hyderabad District Municipalities Act, 1956
  3. A local board constituted under the Local Boards Act, 1923

An application sent to the local authority along with the following mandatory documents and registration fees would complete the registration process.

  1. Address proof of the premises where the shop or commercial establishment shall be set up (electricity bill/sale deed/tax receipt are considered valid for this purpose);
  2. Identity proof of the owner (in case of a firm/trust, then that of the partners/trustees);
  3. Nature of business verification – this can be of the following types:
  1. If Bar and Restaurant, Wine Shop or Beer Shop, then State Excise License has to be attached;
  2. If Medical Stores, then Food and Drug Administration License needs to be attached;
  3. If Cyber Café, then NOC from the Police Department -, Police Commissioner License and Man Power Supplier copy of the Work Order of the Principal Employer has to be attached;
  4. If Entertainment, then copy of the Collector’s permission has to be attached;
  5. If Transportation/Tour and Travel Agency, then RTO Transport Permit needs to be attached;
  6. If Import/Export/Clear Forwarding/Shipping/Cargo Industry, then licenses from the concerned department to be attached;
  7. For a share brokering business, SEBI Enrolment Form to be attached;
  8. For Trading Business, copy of the financial transaction to be attached;
  9. For Fire Works Shops, Municipal Corporation NOC, Fire Brigade NOC, Collector’s NOC and Police Department NOC must be attached.

Once a shop is registered under the Shops and Establishments Act, there are some basic conditions relating to work and employment that the employer has to adhere to. The objective of the Bombay Shops and Establishment Act was to regulate the conditions of work and employment in shops, commercial establishments, hotels, restaurants, eating houses, theatres and other establishments. Opening and closing hours of shops/residential hotels/restaurants/theatres, their daily weekly work hours, interval for rest, holidays. It prohibits the working of children in establishment. General rules regarding leave, paid leaves and other benefits accorded to employees are also laid down. Health Safety and precautions in case of emergency also have to be observed. Penalty for not complying with any of the provisions of the Act attracts a maximum fine of Rs 5000.

These requirements are more on part of the employer to accord certain basic work conditions to his employees. The workers have been left completely out of the purview of this legislation. Rightly so, the author feels, since the requirements of the employee differs from case to case basis, and it is the employer who can best decide the qualification of his employees. It is important to understand the legislative intent behind the enactment of Shops Act; it is not to balance the rights of employers and employees, it is a clear pro-worker legislation aimed at regulating various details about the business like work hours, holiday’s list, overtime rule, joining and termination criteria etc. Therefore, it is a democratic jurisdictional act that is established by every state in India in order to guide their business segments.

License Requirements for opening a Small-Sized Restaurant in Mumbai

Just to give a perspective, it would be interesting to take a look at the licenses/permits/certificates to be obtained by a small-sized restaurant in Mumbai.

There are five major departments that need to be approached – Brihanmumbai Municipal Corporation (BMC), Police Department, State Government, Excise Department and Sales Department. The Central Government also needs to be approached for Food Safety and Standards Authority of India license and recorded musical performance licenses.

Sr No Department License/NOC
1. BMC Shops and Establishment Certificate
2. BMC Health License (to serve food)
3. BMC Madira License (to serve Liquor)
4. BMC Grading Certificate, Sign Board License under License Department, Medical Certificate of Kitchen Staff, Water Connections, Drainage Inspection Certificate, Neon Sign certificate, Pollution Clearance Certificate, Weights and Measures Certificates etc.
5. BMC Permission to operate more than two gas cylinders at a time (fire department and health department), permission to operate heavy machinery (PWD)
6. State Government Professional Tax Certificate of employees and employers
7. Police Department Police Registration Certificate and under the Bombay Police Act, Noakarnama
8. Sales Tax Department Sales Tax Registration Certificate under Bombay Sales Tax Act
9. Income Tax Department PAN for Restaurant Business
10. Excise Department Dance Permits (if any), Accounts Register, Customer’s Drinking Permit etc.

Critique of the Application Procedure and Suggestions

Shops and Establishments Act has been one of the effective tools to protect the illegitimate and illegal acts in the employment segment of particular state jurisdiction. It is compulsory for all business houses to register under various authorities mentioned under the Act before starting their business. Waiver under the Act is not an option under the Indian Laws.

Most of the other states have their own Shops and Establishments Act that lay down the long list of authorities to be approached for opening a single shop. While each of these licenses are necessary keeping in mind the safety and regulatory aspect, the actual procedure of procuring a license from so many departments is very cumbersome.

India is counted among the fastest growing economies in the world today, and if we are to live up to our name, it is imperative that we incentivise the domestic production, manufacturing and service sectors. Opening a restaurant, or a hair-saloon or a simple grocery store would definitely contribute to the GDP of our country, albeit in a smaller scale. Therefore, the process of acquiring licenses by these small scale enterprises must be made easier and hassle-free. Some of solutions are suggested below.

  • A much needed reform in the system is to create a centralised nodal agency for procuring licenses, where all forms can be submitted together, and the approval would also be given from that nodal centre. This would ensure a one stop solution for the license seekers while at the same time not compromising with any of license requirements.
  • Another solution can be to create different sets of licenses, with each set pertaining to the licenses required by one particular entity, for example, all the licenses required to open a restaurant will be in Set-A, all licenses required to open a medical store in Set-B, for a cyber café Set-C and so on. This would help the license seekers get a clearer and cleaner understanding of all the regulations they are supposed to comply with. This would also aid the concerned government department to regulate the licensees according to their establishment-type.

More than the above mentioned solutions, it is the present system that needs to be strengthened; the extent of red-tapism existing in our bureaucratic framework is staggering. The culture of collecting files needs to be replaced with a positive culture of clearing files. Every department needs to be proficient in its working, so much so that prospective business houses should feel hopeful about their licenses getting approved at the earliest and believe that their government is supportive of their ventures. It is only with a change in attitude can we really expect a change for real.

Photo Courtesy: https://www.google.co.in/search?q=registration+of+a+shop&biw=1366&bih=667&source=lnms&tbm=isch&sa=X&ved=0CAcQ_AUoAmoVChMI_YfY_dzYxwIV1wmOCh0qKQo4#tbm=isch&q=shop+registration&imgrc=9KpB503Eg8V6TM%3A

Three Social Security Schemes For Prosperity

INTRODUCTION

Since the time Modi led government has come into force, it has been burdened with sky high expectations of reform. The Union Budget of 2015-16 was the first full budget that was presented by the newly elected government and it clearly did not disappoint us, for it gave due importance to all sections of the economy. Keeping the infrastructural development as its main agenda the budget introduced various schemes for all sectors of our society especially in the sector of health, education, pension and insurance, etc.

Bearing numerous economic problems such as inflation, global commodity price crash, etc., in mind the Finance Minister had presented a very credible budget which can be dubbed as a budget for the common man. The new Budget seemed to provide a balanced policy framework aimed at supporting everyone from the common man to the corporate[1]. The Finance Ministry announced detailed guidelines for three social security schemes in the Budget. Though anyone can enrol in these schemes and avail of its benefits, it was primarily formulated to cover workers engaged in unorganised sectors apart from the poor and vulnerable sections of the society[2]. These comprise a pension scheme and two insurance schemes for the welfare of the mass.

 

ANALYSIS

“Worryingly, as our young population ages, it is also going to be pension-less,” Union Finance Minister Arun Jaitley said while presenting the Budget for 2015-16 in the Lok Sabha.[3] The Budget he said was proposed to work towards creating a universal social security system for all Indians, especially the poor and the underprivileged. The GOI had a few years ago launched a pension scheme called ‘Swalamban’. Unfortunately it failed to draw enough investors. Swalamban’s failure prompted the government to launch a modified scheme.. The new scheme i.e. Atal Pension Scheme (APY) which is governed by the Insurance and Regulatory Development Authority of India (IRDA) has its focus on all the citizens in the unorganised sector who have joined the National Pension System (NPS) but are not members of any statutory social security scheme. APY entitles them to a pension ranging between Rs.1,000 to Rs.5,000 per month after 60 years of age. Each employee will be given a retirement number after registering under APY with which he can track easily track his investments. The fixed pension will be based on the contributions made by an individual.  The contributions would vary upon the age of joining the scheme. The minimum age of joining APY is 18 years and maximum age is 40 years. Therefore, minimum period of contribution by the subscriber under APY would be 20 years or more.

The benefit of fixed pension would be guaranteed by the Government. The Central Government would also co-contribute 50% of the subscriber's contribution or Rs. 1,000 per annum, (whichever is lower), to each eligible subscriber account, for a period of 5 years, that is, from 2015-16 to 2019-20, who join the NPS before December 31 this year and who are not income-tax payers.[4] The existing subscribers of ‘Swavalamban’ Scheme i.e. the old scheme would automatically be migrated to the new scheme, unless they specifically opt out of it.

The Pradhan Mantri Suraksha Bima Yojana is another scheme, which is mainly for accidental death. The risk coverage for accidental death is Rs 2 lakhs whereas for partial disability the risk coverage is Rs. 1 lakh. The benefits of this scheme are available to people in age group 18 to 70 years who have a bank account. They would be required to pay a minimum premium of Rs. 12 per annum or Re 1 per day. The scheme is set to be offered by all public sector general insurance companies and all other insurers who are willing to join the scheme and tie-up with banks for this purpose. Any person having a bank account and his Aadhaar number (linked to the bank account) would be able to avail of benefits arising from the scheme if he fills up a simple form and submits it to the bank every year before by June 1[5].

Bearing in mind low number of  health insurance penetration in India (which is only around 5% of all insurance policies and which comprises only about 13 – 15% in urban areas) the government launched another insurance scheme to provide life insurance cover i.e. Pradhan Mantri Jeevan Jyoti Bima Yojana. This scheme provides for risk coverage of Rs. 2 lakh in case of death for any reason whatsoever. This scheme is available to anyone holding a bank account and aged between 18 to 50 years. People who join the scheme before completing 50 years can continue to have the risk of life cover up to the age of 55 years subject to the payment of premium. The subscribers need to pay a premium of Rs. 330 p.a. The scheme would be offered by Life Insurance Corporation and all other life insurers who are willing to join the scheme and tie-up with banks for this purpose.

The premium under both the schemes will be directly auto-debited by the bank from the subscribers’ account and a person will have to opt for the scheme every year. He can also prefer to give a long-term option of continuing in which case his account will be auto-debited every year by the bank.

These three schemes not only provide for social security by the way of fixed pension and risk covers but also provide a tax benefit of additional Rs 50,000. As per Section 80C of the Income Tax Act[6] a person is eligible for certain deductions from his income tax if he makes certain investments and expenditures[7]. Earlier if such investments and expenditures together totalled to Rs.1,00,000 or above a person was eligible for  exemption under Section 80C, 80CC, 80CCC of the Income Tax Act. This limit has now been raised to Rs.1,50,000 per annum as per the amendment in Income Tax Act, 1961 through Finance Act of 2015[8]. A contribution upto 10% of salary or 10% of the gross total income to notified pension scheme of Central Government is only eligible for deduction.[9] Which means that the income gets reduced by Rs.1,50,000 and the persons ends up paying no tax on it at all. On health insurance premium paid for self and family a deduction upto Rs.15,000 was allowed[10] and in case of health insurance premium for parents there is an additional deduction upto Rs.15,000.[11] This deduction is now increased to the limit of Rs.25,000 for self and family and from Rs.20,000 to Rs.30,000 for senior citizens[12].

 

CONCLUSION

This budget seems to be a budget for the development of the poor. The new schemes are nothing but a government driven investment for fixed returns to the common man in future. But except for the tax rebates there is not much motivation for the common man to opt for these schemes.. Therefore, the government might face a little difficulty in inviting people to invest in these schemes at the initial stage. But with the flow of time and better awareness about the benefits, the additional deductions would certainly encourage investment in pension schemes which in turn will enable India to become a pensioned society instead of a pension less society.

All the contributions under these social security schemes shall be transferred from subscribers’ Jan Dhan accounts directly and the accounts will be linked with the Aadhar numbers. This not only will make it compulsory for every citizen to have a bank account but also to have a unique identity number through Aadhar Card which will give a new direction to the schemes already launched by the government. These schemes reflect the government’s intention that no person suffers from pain due to illness or old age. This will also help to realise the dream of 'One India, Great India' and bring the country on the path of prosperity through 'Sabka saath, Sabka vikas' i.e., equal cooperation and contribution from both citizens as well as the government.

………………………………………………………………………………..

[1] http://www2.deloitte.com/content/dam/Deloitte/in/Documents/tax/in-tax-india-budget-2015-analysis.pdf

[2] http://www.thehindubusinessline.com/economy/govt-announces-details-of-new-insurance-pension-schemes/article6950744.ece

[3] http://www.dailymail.co.uk/indiahome/indianews/article-2973762/India-budget-2015-Jaitley-insures-Aam-Aadmi-Government-launch-two-insurance-schemes-lower-income-groups.html

[4] http://www.thehindubusinessline.com/economy/govt-announces-details-of-new-insurance-pension-schemes/article6950744.ece

[5] http://articles.economictimes.indiatimes.com/2015-02-28/news/59612737_1_jan-dhan-accounts-budget-2015-life-insurance-plan

[6] Deductions allowable to tax payer

[7] The investments that fall under Section 80C can be broadly classified as contributions / investments to: • Provident Fund • Public Provident Fund • Life insurance premium • Pension plans • Equity Linked Saving Schemes of mutual funds • Infrastructure bonds • National Savings Certificate

[8] http://www.incometaxindia.gov.in/Pages/acts/income-tax-act.aspx

[9] Section 80CCD (1) of Income Tax Act: Deduction in respect of Contribution to Pension Account

[10] Section 80CCC: Deduction in respect of Premium Paid for Annuity Plan of LIC or Other Insurer

[11] Section 80D: Deduction in respect of Medical Insurance

[12] http://www.goodreturns.in/personal-finance/planning/2015/03/new-pension-scheme-2015-should-you-invest-the-same-342189.html