Thursday, July 2, 2026

National Pension System (NPS)

  

What is NPS?

The National Pension System (NPS) is a voluntary defined contribution retirement savings scheme. The scheme enables its subscribers to make systematic savings through their working life and create a substantial corpus for their retirement. NPS as a financial instrument helps to inculcate the habit for saving towards retirement income amongst Indian citizens.

NPS was initiated by the Government of India by making it mandatory for all individuals joining Central Government services (except Armed Forces) on or after January 01, 2004. Gradually, NPS was implemented by various state governments for their employees and then NPS was extended to ‘All Citizen of India’ in May, 2009.

In NPS, the contributions made by the subscriber, are pooled in a pension fund which are invested by PFRDA regulated Pension Fund Managers as per approved guidelines. A Subscriber may invest his/ her NPS contribution in any one of the eight Pension Fund Managers (PFMs) empanelled under NPS. All empanelled PFMs under NPS are well known, have long standing credibility and are powerful brands in the financial sector. The fund is invested in a diversified portfolio comprising of Government Bonds, Corporate Debentures and shares. The contributions accumulated in the NPS account grow over a period of time, depending upon the returns on the investments done.

Any individual from 18-65 years of age can join NPS and remain invested till 70. If you are looking for long term investment and your objective is to create sufficient corpus for your post retirement days, the suggested investment option is NPS. Following are some of the few points, which make investing in NPS a smart choice, as far as retirement income is concerned:

1. Customized investment option:

NPS allows you to choose from any one of the Pension Fund Managers (PFMs) appointed by the PFRDA (Pension Regulator) to manage your pension fund.

2. Portability:

One of the core attributes of NPS is portability of NPS account number –Permanent Retirement Account Number (PRAN) - across all sectors and geographies. This implies that you can shift your PRAN from one employer to another and can also continue self-contribution during the period when one is not actively engaged with any employer.

3. Low cost structure:

The account maintenance costs under NPS are the lowest as compared to similar pension products available in India including the retirement plans offered by Insurance companies and mutual funds. While saving for a long-term goal such as retirement, the cost matters a lot. Over a period of 35 to 40 years, the charges can shave off a significant amount from the corpus. The pension wealth accumulation grows over a period of time with a compounding effect. The overall administrative charges being low, the benefit of accumulated pension wealth to the subscriber eventually become large.

4. Unique Tax Benefit:

Any individual who is subscriber of NPS can claim tax deduction up to 10% of gross income under Sec 80 CCD (1) with in the overall ceiling of Rs. 1.5 lac under Sec 80 CCE. Apart from that an additional deduction for the investment up to Rs. 50,000 in NPS (Tier I account) has been exclusively available for NPS under subsection 80CCD (1B). This is over and above the deduction of Rs. 1.5 lakh available under sec 80C of Income Tax Act. 1961.

The aforesaid points distinctly made NPS an exceptional avenue of saving for retirement. NPS provides a unique user experience during this long period - whether it is related to subscriber servicing at various stages of life, demographic details updation, ease of access or any kind of service requests being made in the System. Through the Protean

website one can easily open an NPS account as well as track their investments in this scheme. The company provides a range of services to NPS subscribers such as account management and opening, fund processing, customer service and providing easy pay-out solutions.


Jeevan ki Sachai - Hard truths of life

  

What are hard truths of life

  1. Nobody can love you exactly like your mother.

  2. A poor person has no friends.

  3. People do not like good thoughts. They like good looks.

  4. People respect the money; not the person.

  5. The person you love the most, will hurt you the most.

  6. Truth is simple, but the moment you try to explain it, it becomes difficult.

  7. When you are happy, you enjoy the music, but when you are sad, you enjoy the lyrics.

  8. Two things define you in life—Your patience when you have nothing, and your attitude when you have everything.

  9. People will not remember you for all the good things you’ve done, but they surely won’t forget the few bad things you’ve done.



  1. People often ask you what you do for a living so that they can estimate the level of respect to give you.

  2. People enjoy to watch you suffer because they enjoy seeing your miseries so that they can feel better about themselves.

  3. You can love people, but don’t expect them to love you back. Love can’t be forced.

  4. Although you cannot change the world, the world can listen to your crazy jokes.

  5. You only get stronger by doing hard things.


SUCCESS DEMANDS THESE 6 THINGS

  

SUCCESS DEMANDS THESE 6 THINGS



1. Hard Work

Don't believe in luck, believe in hard work. Stop trying to rush the process or searching for a shortcut. There is none.

2. Patience

If you are losing patience, you are losing the battle. First nothing happens, then it happens slowly and suddenly all at once. Most people gave up at stage one.

3. Sacrifice

you don't sacrifice for what you want, then what you want becomes the sacrifice. Everything has its price. The question is: Are you ready to pay it for the life you desire?

4. Consistency

Consistency is what transforms average into excellence. Without consistency, you will never achieve greater success.

5. Discipline

Motivation gets you going, but discipline keeps you growing. There will be days when you don't "feel" like doing it. You have to push through those days regardless of how you feel.

6. Self Confidence

Confidence is, I'll be fine if they don't like me. There will always be someone judging you for who you are and what you want from life.


Simple Unspoken Rules for Men:

  

Simple Unspoken Rules for Men:



1. Don't make the first offer in a negotiation.

2. Never make the first offer in a negotiation.

3. Dress well no matter the occasion.

4. No one will come to save you. Your life is 100% responsibility.

5. Your inner circle MUST be focused on Money, Success and starting a family.

6. The family you create is more important than the family you come from.

7. Don't take everything too personally.

8. You're a reflection of the 5 people you spend the most time with.

9. Stay silent. Not everything needs to be said.

10. If you are not invited don't go.

11. Protect who's behind you and respect who is beside you.

12. Don't beg for a relationship.

13. Never pose with alcohol.

14. Be honest.

15. If you work on yourself you don't struggle.

Monday, June 29, 2026

Camellia Garden in Bhiwadi

 

Camellia Garden in Bhiwadi is generally reviewed as a peaceful, green, and affordable residential society located on the Alwar Bypass Road. Residents appreciate its strong community feel, well-maintained parks, and accessible amenities, though some have raised concerns about occasional heavy traffic and the area's ongoing infrastructure development. 
Key Highlights from Resident Reviews
Pros:
  • Green & Peaceful: The society features ample green spaces and parks, offering a pleasant and naturally lit living environment. 
  • Modern Amenities: Residents have access to facilities like a swimming pool, fully equipped gymnasium, children's play area, and an active clubhouse. 
  • Convenient Location: Situated on the Alwar-Bhiwadi Road, it allows for easy commuting to Delhi and Gurgaon. Schools, colleges, and markets are located nearby. 
  • Affordability: Both rent and property prices in the complex are considered highly budget-friendly. 
Cons:
  • Traffic & Tolls: Commuters frequently mention the toll plaza causing traffic jams during peak hours.
  • Maintenance & Infrastructure: Some reviews highlight occasional management issues and point to the need for localized improvements in drainage and recreational facilities.
  • Dust & Pollution: Due to regional development, dust pollution can be a temporary nuisance in the broader area. 
Property & Investment Insights
The property offers spacious multi-story apartments (mostly 2 BHK layouts). The developer is M Tech Developers, and while the project experienced some turbulence in previous years, current buyers and tenants generally find the investment to be safe and the apartments highly livable. 

Chandrapura Chandor

 

Chandor, known in ancient times as Chandrapura, is one of Goa's most historically significant sites. Located in South Goa along the Kushavati River, it served as the fortified seat of power for multiple early dynasties. 
Today, all that remains of the ancient fortress are a few sections of external walls and archaeological relics. The history of Chandor Fort spans several key eras: 
1. The Early Dynasties (Bhojas and Mauryas)
  • Origins: Archaeological evidence, including Satavahana-era pottery dating back to 200 BCE, suggests the area was inhabited long before the better-known empires took over.
  • The Bhojas: Chandrapura served as the prominent capital of the Bhoja kings, who ruled from the 4th century CE. 
2. The Kadamba Era (6th to 14th Century)
  • Seat of Power: The Kadamba dynasty established Chandrapura as their capital, turning it into a prosperous center of trade, Hindu culture, and commerce. 
  • Shiva Temple & Nandi: During this time, they built a grand Shiva temple. Today, visitors can still see remnants of the temple alongside a headless, 11th-century statue of the sacred bull, Nandi. 
  • Destruction: After attacks by Muslim invaders in 1312 and subsequent sacks in 1327, the Kadambas eventually relocated their capital. 
3. The Portuguese Period (16th Century Onward)
  • Decline: When the Portuguese arrived in the 16th century, they shifted their primary capital and trading hub north to Ela (Old Goa). 
  • Religious Conversion: The Portuguese subsequently destroyed many of the original Hindu structures and temples, and many local families converted to Roman Catholicism. 
  • Colonial Mansions: To reward converted families, the Portuguese granted them trade rights, leading to the construction of grand mansions. The Menezes Braganza House and the Fernandes Heritage House still stand today as towering examples of Portuguese-Goan architecture. 
4. The Legend of the Queen's Curse
  • The Suicide: Local folklore recounts a tragic battle in which local residents failed to defend their king against invaders. The queen, enraged by her subjects' cowardice, committed suicide.
  • The Curse: Before dying, she stamped her footprint onto a stone and cursed the village, pronouncing that all its women would become widows. This stone footprint is still preserved in Chandor today. 

Wednesday, June 24, 2026

Format - AGREEMENT OF LEAVE AND LICENCE

  

AGREEMENT OF LEAVE AND LICENCE



This AGREEMENT OF LEAVE AND LICENCE is made at ____________________, Goa, on this _____________ day of __________________, 201__.

BETWEEN

the Governor of Goa (hereinafter called the “GOVERNMENT”} of the ONE PART

AND

_________________________________________________, a ______________________ incorporated under _______________________________, before _______________________, on ______________________, having it’s registered office at _____________________________ and represented in this act by it’s _____________________________, Shri _____________________________, by virtue of _________________ dated ______________________ (hereinafter called the “LICENSEE which expression unless repugnant to the context or meaning thereof shall mean and include it's successors, executors, administrators and assignees) of the OTHER PART.

WHEREAS, the Government is the absolute owner and in possession of _______________________, admeasuring built up area of _____________ sq. mts., on the ___________ floor of the __________________, situated in the property surveyed under Survey No. ___________________ and Sub-division No. __________ of Village _____________________________/ Chalta No. __________ of P.T. Sheet No. ________ of City Survey of _____________, of city of ___________________________, within the limits of the Village Panchayat of __________________________________/ __________________________ Municipal Council, Taluka _______________________, District ______________ Goa, State of Goa and more particularly described in the Schedule hereinafter written (hereinafter referred to as the “said premises”);

AND WHEREAS the Licensee vide letter No. __________________________ dated ___________________, requested the Government to permit the licensee to use the said premises for the purpose of ___________ i.e. for _________________________;AGREEMENT OF LEAVE AND LICENCE



This AGREEMENT OF LEAVE AND LICENCE is made at ____________________, Goa, on this _____________ day of __________________, 201__.

BETWEEN

the Governor of Goa (hereinafter called the “GOVERNMENT”} of the ONE PART

AND

_________________________________________________, a ______________________ incorporated under _______________________________, before _______________________, on ______________________, having it’s registered office at _____________________________ and represented in this act by it’s _____________________________, Shri _____________________________, by virtue of _________________ dated ______________________ (hereinafter called the “LICENSEE which expression unless repugnant to the context or meaning thereof shall mean and include it's successors, executors, administrators and assignees) of the OTHER PART.

WHEREAS, the Government is the absolute owner and in possession of _______________________, admeasuring built up area of _____________ sq. mts., on the ___________ floor of the __________________, situated in the property surveyed under Survey No. ___________________ and Sub-division No. __________ of Village _____________________________/ Chalta No. __________ of P.T. Sheet No. ________ of City Survey of _____________, of city of ___________________________, within the limits of the Village Panchayat of __________________________________/ __________________________ Municipal Council, Taluka _______________________, District ______________ Goa, State of Goa and more particularly described in the Schedule hereinafter written (hereinafter referred to as the “said premises”);

AND WHEREAS the Licensee vide letter No. __

AND WHEREAS, the Government has agreed to permit to use the said premises exclusively for the purpose of __________________ i.e. for _______________________, on purely leave and license basis;

AND WHEREAS, the Government and the Licensee have agreed to execute this Agreement of Leave and Licence on the terms and conditions stipulated hereunder.

NOW, THEREFORE, THIS AGREEMENT OF LEAVE AND LICENCE WITNESSES AND THE PARTIES HERETO HEREBY MUTUALLY AGREE AS FOLLOWS:

  1. Consideration:

That in consideration of payment of monthly license fee of Rs. _______________/-

(Rupees ____________________________________________________________ only) which shall be paid by the Licensee to the Government on or before the 10th day of the month following the month to which it relates, the Government hereby permits the Licensee to use the said premises, on purely leave and license basis, under the terms and conditions hereunder mentioned.

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  1. Term:

That the period of leave and licence shall be ____________________ commencing from _______________ day of ____________, 201___ and ending on _____________ day of _______________, 201___.



  1. Security Deposit:

That the Licensee has deposited with the Government an amount of Rs. ____________/- (Rupees ______________________________________________________ only) as a security deposit on the date of execution of this Agreement of Leave and Licence, which sum shall be returned by the Government to the Licensee upon receiving the vacant and peaceful possession of the said premises, on the expiry of the term of the licence stipulated in clause (2) above or upon termination of this Agreement of Leave and Licence, whichever is earlier. The said security deposit shall not carry any interest and the Government shall be entitled to deduct therefrom any dues of the Licensee towards arrears of the licence fees, electricity bills, water charges, compensation amount in respect of any damage to the said premises, etc., if any, and only upon clearance of the aforesaid dues, the Licensee shalt be entitled to obtain the refund of the aforesaid security deposit.



  1. Purpose of leave and licence:

  1. The Licensee shall use the said premises exclusively for the purpose of ________________ i.e. for ___________________________________.

  2. The Licensee shall not use the said premises for any illegal or immoral purpose or any other purpose and shall also not use it in such manner so as to cause any inconvenience, nuisance or annoyance to the other occupants of the building or public.



  1. Maintenance:

That the Licensee shall be bound to maintain the said premises in good condition.



  1. Entry and Inspection:

The Licensee shall allow the officers or servants or any person duly authorized by the Government in this behalf, to enter upon and inspect the said premises, to ensure that the said premises is used for the purpose for which it is licensed, on any day between sun-rise and sun-set or at any other time, in case of urgent necessity.



  1. Renewal:

The Government, on expiry of the term of this Agreement of leave and licence, may, at the request of the Licensee, in its discretion, renew this Agreement of Leave and Licence for such further period of ______________ and subject to such terms and conditions as may be decided by the Government.

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  1. Amendment:

The Government reserves the right to add/ amend/ substitute/ delete any of the terms and conditions laid down in this Agreement of Leave and Licence either after hearing the Licensee or suo motto.



  1. Termination

    1. ln case the Licensee commits breach of any of the terms and conditions herein contained, the Government reserves the right to terminate this Agreement of Leave and Licence and on such termination, the Licensee shall peacefully vacate the said premises and shall not be entitled to claim any compensation thereof.

    2. lf the said premises is at any time required for public purpose, the Government shall be at liberty to terminate this Agreement of Leave and Licence at any time and take over possession of the said premises and no compensation shall be payable by the Government to the Licensee for such pre-mature termination of this Agreement of Leave and Licence. The decision of the Government in this regard shall be final and binding upon the Licensee.



  1. Delivery of Possession:

On termination of this Agreement of Leave and Licence or on expiry of period of license fixed under this Agreement of Leave and Licence, whichever is earlier, if the license period is not extended by the Government for a further term, the Licensee shall deliver the vacant and peaceful possession of the said premises to the Government.



  1. Arbitration:

ln the event of any question, dispute or difference of opinion arising under or out of or in any way relating to or concerning these presents or effects of these presents or in connection with the conditions herein contained or touching or concerning the meaning or effect thereof, or any matter contained therein as to the rights, duties or liabilities of the parties hereto, howsoever, in connection with this Agreement of Leave and Licence, the same shall be referred to the sole arbitration of a person to be appointed by the Secretary ____________________________ to the Government of Goa. The Licensee shall not raise any objection to such appointment on the ground that the arbitrator so appointed is a Government servant and that he had dealt with the matter to which this Agreement of Leave and Licence relates or that in the course of his duties as such Government servant, he had expressed his views on all or any of the matters in dispute or difference. ln the event of such arbitrator being transferred or vacating his office or refusing or being unable to act as such for any reason whatsoever, it shall be open to the Secretary _______________________ to the Government of Goa to appoint another person in his place. The arbitrator so appointed shall be entitled to proceed with the reference from the stage at which it was pending. The arbitrator may, with the consent of both the parties to these presents, extend the time for making the award. The award of the arbitrator shall be final and binding on the parties to these presents. Save as aforesaid, the Arbitration and Conciliation Act, 1996 (Central Act 26 of 1996) and the rules made thereunder shall apply to the arbitration proceedings under this clause.

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  1. Recovery:

Any sum recoverable from the Licensee under these presents may be recovered by the Government as an arrears of land revenue under the provisions of the Goa Land Revenue Code, 1968 (9 of 1969).



  1. Jurisdiction:

Only the Courts in the State of Goa shall have jurisdiction to adjudicate on the matters covered under this Agreement of Leave and Licence.



  1. Costs and charges to be borne by the Licensee:

That the Licensee shall incur the costs, charges and expenses on account of the stamp duty and registration fees payable on these presents.



  1. Other conditions:

    1. The Licensee alone shall bear and pay the entire charges for consumption of electricity and water as per meter reading recorded in the electricity/ water meter in respect of the said premises, and all such other taxes, charges, levies or impositions as may be charged, levied or imposed by any competent authority in respect of the activity carried on by the Licensee in the said premises.



    1. The Licensee shall not sub-let, mortgage, assign or otherwise transfer or part with possession of the said premises or any part thereof or create any interest/ right in respect thereof in favour of any other person.



    1. The Licensee may, with the prior approval of the Government, for convenient enjoyment of the said premises, affix, install or put up such temporary partition and/ or structures and/ or fixtures and/ or fittings within the said premises as may be necessary without affecting the main structure of the building and permanent fixtures of the Government or causing any damage thereto, provided, however, a list of the same shall be prepared, signed and delivered by the Licensee to the Government alongwith a duplicate copy and the duplicate copy thereof duly countersigned by the Government shall be delivered to the Licensee. Unless otherwise agreed upon in writing, the Licensee shalt be at liberty to remove the fixtures, electrical fittings, partitions and structures, as may be installed/ fixed by it, at the time of delivering the vacant possession of the said premises to the Government. Provided that, upon removal of such fixtures and fittings, the Licensee shall repair the surface of the walls affected due to punching of holes, screws etc. and restore the same to the condition to which the same were as on the date of signing of this Agreement of Leave and Licence.



    1. The Government shall not be responsible for third party claim in respect of any commercial and/ or other dealings of the Licensee in the said premises and that the Licensee hereby indemnifies the Government in that respect.



    1. The Government shall not be responsible in any manner whatsoever for any loss or damage caused to the goods, articles, furniture or any other items stored in the said premises by the Licensee, without any fault on the part of the Government.



    1. The Licensee shall not store in the said premises or cause to be stored or kept any goods things which are inflammable or injurious to the health or safety of the human beings.



    1. The original copy of this Agreement of Leave and Licence shall remain with the Government and the duplicate thereof with the Licensee.



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S C H E D U L E



All that ________________________________________, admeasuring built up area of ____________ sq. mts., on the _____________ floor of the ______________________, situated in the property surveyed under Survey No. __________ and Sub-division No. ___________ of Village _________________/ Chalta No. _________ of P. T. Sheet No. _________________ of City Survev of _______________, of city of ___________________, within the limits of the Village Panchayat of _______________________________/ _________________ Municipal Council, Taluka ____________________________, District _______________________ Goa, State of Goa.

IN WITNESS WHEREOF the parties hereto have signed this Agreement of Leave and Licence on the day, month and year first hereinabove mentioned.



SIGNED, SEALED AND DELIVERED

BY Shri ________________________________________

Secretary ( ) to the Government of Goa,

For and on behalf of the GOVERNOR OF GOA __________________________________



SIGNED, SEALED AND DELIVERED

BY THE WITHINNAMED LICENSEE,

Shri ____________________________________________

________________________________________________



WITNESSES:

1. ______________________________________________

2. ______________________________________________