Get formats of legal contracts and other drafts such as leave and license agreement, consignment agreement, lease agreement, appointment letter formats, gift deed formats etc.

Click on the below links to get required drafts:

Agreement Drafts 

Power of Attorney Drafts

Assignment Deeds Drafts

Indemnity Deed and Letters

Gift Deed Formats

Appointment Letters 

How to overcome negative thoughts

Why do i feel negative?, there are four types of emotions which are root cause of negative thoughts. 
1) Anger 
2) Jealousy 
3) Hatred 
4) Envy 

Then how to rule out these self destructive emotions from our mind and soul? 



1) FRIENDSHIP 

Do not feel jealous about people who are happy and prosperous than you. Be friend with those people instead of being jealous,so you can enjoy their happiness as well and your mind will become positive as well. 

Many times people praise others but inside they are feeling very deep envy for them,this double standards can be removed by true friendship. 

2) HAVE SYMPATHY FOR OTHERS 

Do not have feeling of dislike for people who are unhappy or suffering some illness insted have pity for them and help them to come out from the misery. 

Only showing the outer emotion of sympathy and not helping your relative or friend will make your soul negative,have pity for others and be happy. 

3) RESPECT FOR OTHERS 

If any person is doing some good work,respect him from your heart.Idolize a person whom you respect most. 

4) IGNORE 

Ignore those who try to disrespect you or people who always under negative thoughts.Do not discuss their wrongdoings with others that will help you to focus better on becoming a respectful person 

Apply this four rules wisely and have wonderful life. 

Conditions for appointment of Independent Director as per Companies Act 2013

SR.	Conditions	Him/Her	Relatives
1	MD, Whole time director or nominee director of the Company	No	Yes Subject to fulfillment of SR No. 3 For Nominee Director’s relative no such condition
2	Promoter of the company or its holding, subsidiary or associate company	No	No
3	Person having pecuniary relationship or transaction with the Company its holding, subsidiary or associate company, or their promoters, or directors, during (Check current & past 2 financial years)	No	No if  transaction more than 2%  or more of its gross turnover or Rs. 50.00,000 or such amount as may be prescribed
4	Key Managerial Personnel of holding, subsidiary or associate company (Check for current and past 3 years financial years )	No	No
6	Employee or Proprietor or a Partner of a firm of Auditors, PCS, Cost Accountants of the of holding, subsidiary or associate company (Check of current and past 3 years financial years )	No	No
7	Employee or Proprietor or a Partner of a legal or consulting firm that has or had any transaction with the company its holding, subsidiary or associate company amounting to 10% or more of the gross turnover of such firm.	No	No
8	Holds 2% or more of the more of the total voting power of the Company.	No	No
9	CEO/Director of nonprofit organization that receives 25% or more of its receipts from the company any of its promoters, directors or its holding, subsidiary or associate company or that holds two per cent. or more of the total voting power of the company	No	No

CGBSE 10th रिजल्ट्स 2017 की अपेक्षित तारीख

Expected date of result declaration: 20th April 2017

How to check results online:

• First of all, students need to visit the official website of www.cgbse.net
• After logging on the website, you will see “CG Board 10th Result 2017 link”
• Click on the link, It will take you to the exam Result Page
• After that, Click on “CGBSE 10th Result 2017” to Check

छत्तीसगढ़ CGBSE  रिजल्ट्स की अपेक्षित तारीख: २० अप्रैल २०१७ 

अपना रिजल्ट कैसे देखे 

१. पहले  www.cgbse.net इस वेबसाइट पर जाएँ 

२. वेबसाइट पर “CG Board 10th Result 2017 link” इस लिंक पर क्लिक करें 

३. एग्जाम रिजल्ट पेज ओपन हो जायेगा 

४. वह अपना Roll Number एंटर करें और सी रिजल्ट पे क्लिक करें 

५. आपका रिजल्ट डिस्प्लै होगा 

How to receive from or pay money abroad

There are several modes by which you can make or received payment for your transactions with the foreign entity such as an e-commerce website, service provider, or a customer.

I will explain some of the easy ways which are useful for startups, small businesses and Individuals. 

1. PayPal:

PaPal is a open digital payments platform and has nearly 200 million active account holders. PayPal provides ways to transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person. 

Paypal enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies.

As per Indian law one cannot hold balance in PayPal. The amount received through PayPal will be automatically transferred to the linked bank account of the PayPal account holder within 7 days so the option of holding money in PayPal account is not available in India. 

You can also create and manage invoices and send payment links via emails by using PayPal. 

Visit PayPal: http://www.qqc.co/Ag7Ny

2. Online Payment Gateways:

A payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar.

Some payment gateway providers facilitate cross-border transactions as well. These facilitate small value export transactions. The transaction limit is set for export of goods and services of value not exceeding USD 10,000. 

Some popular payment gateways are as follows:

1. Instamojo 

2. CC Avenue

3. Citrus Pay

4. Direcpay

5. Google Wallet

3. Postal order or postal money transfer:

Person resident in India can receive payment for other than exporters, by postal order by post office outside India or postal money order issued by foreign post office.

You can do money orders online by going e-post office website http://www.qqc.co/Ag7Kw.  

4. International Card

Payment for imports can be made by person resident in India from International Card against charge slip signed by the importer. At any bank's ATM, you may utilize your international ATM card to get money converted in the local currency. You can check with your bank for International debit card facilit. 

5. Bank Wire Transfer

Wire transfer, bank transfer or credit transfer is a method of electronic funds transfer from one person or entity to another. A wire transfer can be made from one bank account to another bank account or through a transfer of cash at a cash office

You can use wire transfer services offered by various banks to receive from or send money to foreign clients. Money will be received in the receivers country currency and bank will charge conversion charges.

6. Money Transfer Companies

There are several money transfer companies such as Western Union, which can be used to send or receive payments. Money sender can send money online by using the website or can go to the money transfer agent of western union to send the payments worldwide.

Contact for any queries on: csanandparab@gmail.com

Foreign currency accounts available for residents in India

Foreign currency account means an account held or maintained in currency other than the currency of India or Nepal or Bhutan.

Reserve bank of India may on an application made to it, permit a person resident in India to open or hold or maintain a Foreign Currency Account, Subject to such terms and conditions as may be considered necessary. (Application needs to me made to authorised dealer bank).

Benefits of maintaining foreign currency account

1. Reduction in the risk of Forex rate fluctuations.
2. Proceeds can be utilised for other foreign currency transactions.
3. Possible gain from increase in the value of the foreign currency.

A. Exchange Earners Foreign Currency Account (EEFC Account):

Residents can retain up to 50% of foreign currency in EEFC account the balance 50% needs to be converted to rupees.

Permitted Credits:

1. Inward remittance through normal banking channels, other than remittances received on account of foreign currency loan or investment received from abroad or received for meeting specific obligations by the account holder;

2. Payments received in foreign exchange by a 100 per cent Export Oriented Unit or a unit in (a) Export Processing Zone or (b) Software Technology Park or (c) Electronic Hardware Technology Park for supply of goods to similar such units or to a unit in Domestic Tariff Area;

3. Payments received in foreign exchange by a unit in the Domestic Tariff Area for supply of goods to a unit in the Special Economic Zone (SEZ);

4. Payment received by an exporter from an account maintained with an authorised dealer for the purpose of counter trade. (Counter trade is an arrangement involving adjustment of value of goods imported into India against value of goods exported from India in terms of the Reserve Bank guidelines);

5. Advance remittance received by an exporter towards export of goods or services;

6. Payment received for export of goods and services from India, out of funds representing repayment of State Credit in U.S. Dollar held in the account of Bank for Foreign Economic Affairs, Moscow, with an authorised dealer in India;

7. Professional earnings including directors fees, consultancy fees, lecture fees, honorarium and similar other earnings received by a professional by rendering services in his individual capacity;

8. Re-credit of un-utilised foreign currency earlier withdrawn from the account;

9. Amount representing repayment by the account holder's importer customer, of loan/advances granted, to the exporter holding such account; and

10. The disinvestment proceeds received by the resident account holder on conversion of shares held by him to ADRs/GDRs under the Sponsored ADR/GDR Scheme approved by the Foreign Investment Promotion Board of the Government of India. 

Utilisation of amount:

Proceeds can be used in current account transactions and permissible  capital account transactions as per the rules/ regulations/ directions/ notifications issued by RBI.

B. Foreign Currency Account. 

Returning NRI who are returning permanently can open this account. 

Permissible Credits:

1. Pension or any other superannuation or other monetary benefits from his employer outside India;

2. Coversion of assects and amount repriated to India

3. Foreign currency received or acquired as gift or inheritance froma a person referred to In sun section 4 of section 6 of the Act.

4. Proceeds of life insurance policy claims/ maturity/ surrender values settled in foreign currency from an insurance company.

 Utilisation of amount (Debit):

Free to debit for any purpose, no restriction on investment outside India.

C. Resident Foreign Currecy Domestic Account

A person resident in India can open RFA (D) account out of foreign currency received in form of Currecy Note, Bank Notes and Travellers Cheques for nay of the sources like payment of services rendered abroad as honorarium, gift, services, rendered for settlement of any lawful obligation for any person non resident in India.

Permissible Credits:

1. While on a visit to any place outside India. Payment received for services not arising from any business or anything done in India, from any person not residing in India and who is on a visit to India, as honorarium or gift or for services rendered or in settlement of any lawful obligation.

2. Honorarium or gift while on a visit to any place outside India. Unspent amount of foreign exchange acquired from an authorized person for travel abroad

3. Gift from a close relative

4. Earnings through export of goods / services, or as royalty, honorarium or by any other lawful means.

5. Disinvestment proceeds received by a resident account-holder on conversion of shares held to ADRs / GDRs under the Sponsored ADR / GDR Scheme approved by the Foreign Investment Promotion Board of the Government of India

6.Earnings received as the proceeds of life insurance policy claims/maturity/surrender values settled in foreign currency from an insurance company in India permitted to undertake life insurance business by the Insurance Regulatory and Development Authority.

7.Amount received in any other manner as may be prescribed by the Reserve Bank of India. 

Utilisation of amount (Debit):

Payments towards a current account transaction in accordance with the provisions of the Foreign Exchange Management (Current Account Transactions) Rules, 2000 and towards a capital account transaction permissible under the Foreign Exchange Management (Permissible Capital Account Transactions) Regulations, 2000

All the above accounts will be maintained in the form of Current account.