Online Renewal of Driving license Tamil Nadu | Application for renewal of driving license

Driving license can be renewed online through Tamil nadu state government portal. 

Necessary Documents for Online License Renewal

1. Application in Form-9
2. Application in Form-1a (1a – if the applicant is above 50 years)
3. Medical Certificate in Form-MCC
4. Driving Licence
5. Proof of Age
6. Passport size photos-2 copies

Fees for Driver License Tamilnadu :

1. Book Form Rs.25/-  Laminated Card Rs.100/- + Service Charges Rs.50/-
2. Additional Fee for belated renewal of Rs.50/- per year or part thereof    

License renewal after expiration in tamilnadu

The applicant should appear in person at the Regional Transport Office. In case the driving Licence expired more than 5 years ago, a fresh driving test will be conducted for renewal of the Licence.

Time duration to renew and get the new license

The license renewal will be verified on the same day and the new license will be sent to the applicant through the mail

SBI credit, Debit card offers for Xiaomi Redmi Smartphones in Flipkart

Xiaomi Redmi Flipkart offer summary?

• 5% cashback on purchase of Xiaomi Products with SBI Debit and Credit Cards. 
• The cashback amount will be credited to the eligible debit and credit cardholder’s account on October 20, 2017.
• The offer is valid for a list of Mi products including Redmi Note 4 smartphones.

What is the offer duration?

• 20-July-2017 (00:00 hrs) to 21-July-2017 (23:59 hrs)

What other conditions should apply to avail the offer?

•  Net Cart value. i.e. the total value of only the Eligible Products, should be equal to or more than Rs 8000.  
•  Maximum Cashback that be availed per card account is Rs 500.

How do I check if a product is an Eligible Product ?

• This offer will be applicable only on Xiaomi Products.
• Also, you can check the list of all offers applicable on a product, on the product page. This  offer will also be listed there, if the product is eligible for the offer.

Is the offer applicable on all SBI Credit/Debit Cards?

•  No, offer is NOT applicable on Corporate and Commercial cards.
•  The Cashback is not applicable on Net Banking
•  The Cashback is also applicable on payments made through EMI on SBI Credit cards

Will I get the offer if I pay through Flipkart Gift Card partially?

• Yes, you can avail the offer. In this case, offer will only apply on the amount paid through SBI Debit/Credit Card against the eligible product(s). Also, this amount should be equal to or more than Rs 8000. 

How many times can this offer be applied ?

• Offer valid on only 1 transaction per card account

Terms and Conditions:
This marketing program (Program) is from State Bank of India (Bank) and SBI Card & Payment Services Private Ltd. (SBICPSL) under an arrangement with Flipkart Internet Pvt. Ltd. (Flipkart), It is open to all residents of India holding a valid and current State Bank Debit or SBI Credit Card (Cardholder) and to whom a communication is sent by Bank/SBICPSL


• The Validity of the Program (Term) is from 20-July-2017 (00:00 hrs) till 21-July 2017 (23:59 hrs), unless extended by SBICPSL, Bank and Flipkart by mutual consent in writing.
• Under this offer, State Bank Debit and Credit Card holders (Cardholders) are eligible to get an extra 5% cashback on Xiaomi Products during the Term, for purchase made/effected using SBI Debit & Credit cards (Card). To avail the offer, net cart value of Xiaomi products shall be equal to or more than Rs. 8000. 
• The offer is applicable at www.flipkart.com, m.flipkart.com & Flipkart mAPP (Cashback)
• The maximum cashback that can be availed per card account is INR 500/-
• The Cashback is not applicable on Net Banking
• Offer valid on only 1 transaction per card account.
• The cashback amount will be credited to the eligible debit and credit cardholder’s account on October 20, 2017.
• Cashback will be calculated on the net paid amount against the Xiaomi products by the customer post any other discounts, exchange offer redemptions and refunds. 
• The Cashback is not applicable on Corporate & Commercial Cards
• The Cashback is also applicable on payments made through EMI on SBI Credit cards. 
• In case a customer makes partial payment through Flipkart Gift Card, Cashback will apply only on the net amount paid using the Card against Xiaomi products. Also, this amount should be equal to or more than Rs. 8000

Detailed Terms and Conditions:

1. All SBI Credit Cardholders excluding SBI Corporate Credit Card with no outstanding of more than 30 days and all State Bank Debit Cardholders (Excluding State Bank Virtual Debit Card) are covered under this Program. This offer is NOT applicable on transactions made through SBI Internet Banking
2. State Bank Debit Cards refers to any Debit Card issued by
a. State Bank of India
b. State Bank of Hyderabad
c. State Bank of Bikaner and Jaipur
d. State Bank of Travancore
e. State Bank of Mysore
f. State Bank of Patiala 
3. The cashback will be calculated on the final cart amount (for Xiaomi products) only
4. Cashback is not applicable for Card-on-delivery transactions
5. Cashback is not applicable on Gift Wrap or premium delivery charges
6. In case of cancellation of your order, transaction will not qualify for the Offer. If you cancel part of your order, you will qualify for the Offer only on the net amount you pay basis eligibility
7. Bank & SBICPSL reserves the right to disqualify the Cardholder(s) from the benefits of the Offer, if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the said Offer or otherwise by use of the Card
8. Any person availing this Offer shall be deemed to have accepted these terms and conditions.
9. Bank, SBICPSL and Flipkart reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this Offer or not, or to extend or withdraw it altogether
10. Delinquent and over-limit SBI credit card members will not qualify for this Offer.
11. Cardholders are not bound in any way to participate in this Offer. Any participation is voluntary and the Offer is being made purely on a best effort basis
12. Nothing herein amounts to a commitment by Bank or SBICPSL to conduct further, similar or other Offers
13. The above Offer is by way of a special offer for State Bank Debit and SBI Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement
14. Bank/SBICPSL does not endorse any of the products or brands being offered under the Program and will not accept any liability pertaining to the quality, merchantability, fitness, delivery or after sales service of such products which shall be at the sole liability to Flipkart
15. All the existing offers, gifts, cashbacks etc. that are being offered can be availed by the Cardholders as part of this exclusive offer as mentioned in the communication
16. Pictures of products shown in the communication sent to the customer either through mailers or advertised on the website, are representative only and may not bear a resemblance to the actual products.  None of the parties shall under any circumstances be responsible towards the same
17. Products offered under this program are subject to availability from Flipkart seller and accordingly Bank or SBICPSL or Flipkart in no circumstances shall be liable for non-availability of any of the products
18. Under no circumstance will the offer/cashback being offered under this Program be settled with cash in lieu by Bank, SBICPSL, Flipkart or by Flipkart
19. Returned transactions, disputed or unauthorized/fraudulent transactions will not be considered for the Offer
20. Bank and SBICPSL will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered by Flipkart on products/services made available by it and the same shall be at the sole risk and consequences of Flipkart and without reference to Bank and SBICPSL
21. All government Levies like GST, Sales Tax, TDS, any Local Tax, Octroi etc., shall be payable by the Cardholder as applicable at the time the respective Programs were offered.
22. This Offer shall be subject to all applicable laws, rules and regulations which are in existence and which may be promulgated anytime by any statutory authority
23. Any disputes arising out of the Offer shall be subject to arbitration by a sole arbitrator to be appointed by Bank/SBICPSL for this purpose. The proceedings of the arbitration shall be conducted as per the provisions of Arbitration and Conciliation Act, 1996. The place of arbitration shall be at Mumbai for Bank and New Delhi for SBICPSL and language of arbitration shall be English. The existence of a dispute, if any, shall not constitute a claim against Bank/SBICPSL
24. SBICPSL along with its direct affiliates is alone responsible for resolving all disputes and differences in relation to SBI Credit Cards without reference to State Bank of India. However, State Bank of India along with its direct affiliates is solely responsible for resolving all disputes and differences in relation to State Bank Debit Cards without reference to SBICPSL
25. Any query regarding the program will be entertained only till 31-Oct-2017. Post such date, Bank, SBICPSL & Flipkart will not entertain any correspondence or communication regarding this Program from any persons
26. All liability with respect to the products purchased lies with Flipkart and Flipkart Internet Pvt. Ltd. nor the Bank/SBICPSL shall be in no way responsible for the same  

Mahindra City Free Bus timings | Mahindra World City free bus stop

🚍 Free Bus Service Inside Mahindra World City, Chennai – Latest Updates

Looking for transport options inside Mahindra World City (MWC), Chennai? Here's the latest update on free bus services and alternative travel methods.

🚫 Free Shuttle Service – Discontinued Post-Pandemic

After the COVID-19 pandemic, the free shuttle services inside Mahindra City have been discontinued. Currently, you can choose from the following travel options:

🛺 How to Travel Inside Mahindra World City

• 🚖 **Auto-rickshaws** – Available at **Mahindra City Zero Point & Railway Station**.
• 🚗 **Company Cabs** – If your employer provides cab services, check availability.
• 🚌 **500E MTC Bus** – Operates at select timings. Use the Chalo App to track bus location in real time.
• 🚶‍♂️ **Walking / Bike Lifts** – A 1.5 km walk to major offices like **Infosys, RNTBCI**, and even more for **MRV, TVS Sundaram Fasteners, etc.**

🚌 Bus Routes to Mahindra City from Chennai & Tambaram

Public transport options to reach **Mahindra World City** include:

• 🚏 **MTC Bus (500 Series)** – Routes like M500 stop at Mahindra City.
• 🚌 **Private Buses to Chengalpattu** – Some buses from **Tambaram & Chennai** stop at Mahindra City.

📍 At Mahindra City Bus Stop: Auto-rickshaws are available with a minimum fare of ₹80 to reach destinations inside.

📢 Final Reminder – Free Shuttle Not in Operation

The free Mahindra World City shuttle service is no longer operational. If you’re commuting, **autos, MTC buses, or company cabs** are your best options.

📢 **Pro Tip:** Use the Namma Chennai App or Chalo App to check real-time bus schedules and avoid long waits.

If you want to know about the list of companies operating in Mahindra city, please visit here 

💬 Have questions? Drop them in the comments!

How to remove a specific search word from Google Search Engine

When you are signed in a google account and using google search, then each keyword that you are searching in the Google search bar will be saved irrespective of the browser you browse, device you use.

So, after few days , if you type the first few letters of the keyword, the same search sentence will appear as suggestion.

If you don't want them to appear so, then follow the procedure

1. Open Google.com
2. In the search bar, type the first few letters of the keyword that you want to remove.
3. The Keyword will appear now followed by some other auto suggested search terms.
4. Now, on the right side of the keyword suggestion, you can find the option called 'Remove'
5. Click the Remove icon to remove the word from the Google search engine and also from your Google web history.

In future, if you don't want to store the search words, then do any one of the following.

• Browse in incognito tab.
• Sign-out from your google account, before you start searching sensitive words.
• Go to google account settings → control my web activity and disable Web & App activity

CAGR vs IRR in mutual funds | IRR vs XIRR in Mutual funds

Understanding CAGR, IRR, and XIRR – Simplified Guide

Ever wondered how to calculate investment returns? There are three main methods:

• CAGR – Compounded Annual Growth Rate
• IRR – Internal Rate of Return
• XIRR – A powerful Excel function for irregular investments

📌 What is CAGR?

CAGR (Compounded Annual Growth Rate) is used for a single lump sum investment. It shows how much your investment grows each year at a steady rate.

💡 Example:

You invest $10,000 in a mutual fund, and after 5 years, it grows to $16,000. The CAGR formula helps find the annual return percentage.

Most mutual fund websites use CAGR to show past performance.

📌 What is IRR?

IRR (Internal Rate of Return) is used when you invest at regular intervals, like a monthly SIP (Systematic Investment Plan).

💡 Example:

You invest $500 every month in a mutual fund for 3 years. The IRR formula calculates the return based on these fixed, periodic investments.

📌 What is XIRR?

XIRR is an Excel function used when investments happen at irregular intervals – different dates, amounts, or both.

💡 Example:

You invest:

• $1,000 in Jan
• $2,500 in March
• $1,200 in July
• Withdraw $3,000 after 2 years

XIRR calculates the exact return, considering these irregular cash flows.

🎯 Which One Should You Use?

• CAGR: Best for judging a fund’s past performance (used on most mutual fund websites).
• IRR: Best for regular SIP investments.
• XIRR: Best for complex cases (multiple investments & withdrawals).

✅ **Pro Tip:** If you are checking mutual fund returns online, they usually show CAGR. For SIP returns, they may use IRR/XIRR.

🚀 Final Thoughts

Understanding CAGR, IRR, and XIRR helps you analyze investment returns effectively. Next time you check mutual fund performance, you’ll know exactly what those numbers mean!

💬 Have questions? Drop them in the comments!

Resolved: MobiKwik Payback Points not credited for ebay, other shopping purchase

If your payback points are not credited for your Mobikwik offer for purchases in Ebay, etc then the following points may be the reason.

There are some conditions for payback cards.

1. Your card should be linked  with your Primary number of the Mobikwik wallet 
2. You cannot delete the already linked card. 
3. Registered card number and Mobikwik wallet Primary number should be same.
4. Mobikwik wallet can linked with multiple payback cards. 
5. If your card's ( ICICI payback card) registered number is same as Mobikwik primary number it will automatically linked by the Mobikwik wallet

Enable 'Last Update' option on Blogger Post - Settings

To enable last update” option on blogger blog post

1. Go to your blogger dashboard.
2. In the sidebar, click Layout
3. Now Click Edit option in the Blog Post Gadget
4. A new configure window opens. Enable the date option (first and third check box in Page options category) . You can choose your desired format
5. Save the Layout.

From now on, you will see the last updated time stamp in your article.