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UNION Budget 2015 PDF

Bankers Guru
Dear Readers,
Here is the full UNION Budget 2015 PDF which is very important for IBPS PO, Clerical, RRB, SBI Exams, Insurance exams in 2015.

This UNION Budget 2015 PDF is having all the necessary points for Bank, SSC, Insurance Examinations in 2015.

 Click here to download in ENGLISH

Click here to download in HINDI 
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Union Budget 2015 Live Update and Budget Highlights

Bankers Guru
  • Yoga included in the ambit of charitable purposes under the Income Tax Act.
  • All contributions to Sukanya Samridhi scheme to be tax free.

  • Transport allowance, which is currently Rs 800 per month, has been increased to Rs 1600 per month.
  • Govt increases limit of deduction of health insurance premium from Rs 15,000 to Rs 25,000.

  • 100% deduction for contribution to Swachch Bharat and Clean Ganga schemes.
  • Rs 150 core to create world class IT hub in India: FM

  • FM propose to increase service tax rate and education cess to 14% from 12.36%.
  • The excise duty on footwear having retail price of more than 1000 per pair has been reduced by 6 %: FM

  • Custom duty on raw materials and intermediaries to be reduced.
  • Tax dept to put out a clarification on indirect transfer of assets and dividend paid by foreign firms.

  • Replacing wealth tax with a surcharge on super-rich will lead to Rs 9,000 crore additional income.
  • Govt to abolish wealth tax, replaces wealth tax with additional 2%surcharge on super rich
  • Govt reduces taxes on technical services to 10% from 25%.

  • Govt to reduce custom duty on 22 items.
  • Govt defers roll out of anti-tax avoidance rules GAAR by 2 years.

  • Sensex rebounds by nearly 250 points on Budget proposal to reduce corporate tax rate.
  • Quoting PAN a must for all purchases above Rs 1,00,000

  • Benami property transaction bill to tackle black money transaction in real estate soon.
  • Foreign Exchange Management Act to allow for seizure of foreign properties and assets.

  • FM proposes to enact a comprehensive new law on black money to bring back black money stashed abroad.
  • Corporate tax reduced from 30% to 25% over next four years
  • Budget estimates of expenditure: Rs 17 .77 lakh crpre, of which non-plan is Rs 13.12 lakh crore, and plan is Rs 4.65 lakh crore.

  • Defence allocation for this fiscal is Rs 2,46,727 crore.
  • ISM Dhanabad will be upgraded to full IIT.

  • AIIMS to be set up in J&K, Punjab, Tamil Nadu, Himachal Pradesh and Assam.
  • Section 6 of FEMA to be amended: FM

  • Government proposes to bring in a regulatory reform law.
  • Govt to raise visa-on-arrival facilities to 150 countries from 43

  • Govt proposes to do away with different types of foreign investment and replace them with composite caps.
  • Rs 1000 crore more to Nirbhaya fund

  • ‘Agri income, invst boost in infra, manufacturing key challenges’
  • Employee's contribution to EPF below an income threshold will be optional without reducing employer's contribution.

  • I propose to work on developing Indian gold coin which carries the Ashok Chakra, will help recycle gold available in country.
  • Govt to introduce Indian gold coin with Ashoka sign on it.

  • India is the largest consumer of gold in the world, I propose to introduce a gold monetization scheme.
  • Govt plans to introduce direct tax regime that is internationally competitive on rates without exemptions.

  • Govt to set up public debt management agency.
  • FM proposes to merge commodities regulator with SEBI.

  • Rs 5000 crore: FM. PM Modi had said on Friday that his government would continue MNREGA since it is a glaring example of Congress's failure.
  • Initial sum of Rs 150 core to create world class IT hub to take advantage of our competitiveness.

  • Second unit of Kudankulam nuclear power station to be commissioned in 2015-16.
  • Proposes 5 ultra mega power projects for 4,000 MW each: FM

  • Tax-free infrastructure bonds for projects in railways and roads: FM
  • PPP model of Infrastructure to be revitalized and realigned.

  • Govt is establishing a mechanism 'self employment' to support all aspects of start up business: Arun Jaitley.
  • Investment in infrastructure to go up by Rs 70,000 crores: Jaitley

  • Jaitley proposes 'Nayi Manzil' scheme for the minorities youth.
  • I propose a new scheme of providing physical aids for senior citizens living below poverty line: Arun Jaitley

  • Atal Pension Yojana to provide defined pension according to contribution; 50% contribution to be from govt.
  • PM Surakhsha Bhima Yojana to increase the access to insurance; it will be linked with Jan Dhan Yojana: FM

  • Govt to launch PM Suraksha Bhima Yojana, offering coverage of 2 lakh rupees for just premium of Rs 12
  • Target of Rs 8.5 lakh crores credit to be given to farmers in 2015-16: FM

  • Will ensure no one who is poor is without a job. Govt allocates Rs 346.99 billion for NREGA scheme in Budget 2015
  • Target of Rs 8.5 lakh crores credit to be given to farmers in 2015-16: FM

  • States get 62% of the total resources now: Arun Jaitley
  • GST to be put in place by April 1, 2016: FM

  • Real GDP growth expected to accelerate to 7.4%: FM
  • To sanction 1 lakh km of new roads: FM

  • 80,000 secondary schools to get upgrade: FM
  • To ensure employment to our youth, we have to make india the manufacturing hub of the world: FM

  • In Swach Bharat 50 lakh toilet already built, 6 crore toilet targeted.
  • The latest CPI inflation is 5.1 %: Arun Jaitley

  • GST will put in place state of art indirect tax system by April 1st 2016: FM
  • GDP growth for 2015-16 seen at between 8 - 8.5%: FM

    • 50 lakh toilets already constructed, we will achieve target of building 6 crore toilets: Arun Jaitley
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SSC Exam - Online

Bankers Guru
Dear Readers,

Good News

SSC examination is going to be online this year. Online speed test of SSC has already been provided by Mahendra’s, no need to panic. We are here with online examination and online portal for you only.

All the best
From Mahendra’s



Bankers Guru
Name- Lovenish Bhatnagar
Venue – Tourist bungalow, Agra.
Timing- 8.30 am.

Document verification starts on 8.15am. My turn was 1st and I was feeling nervous.
8.45 am my interview started.

There were five members in panel 4M & 1F. I wished the Good morning, separately to ma’am also.

M1- Ha to Mr. Lovenish kha s aaye ho ap?
Me - Answered.

M1- kya kiya h apne?
Me- answered.

M1- Graduation kb ki?
Me – answered.

M1 –apne MBA 2012 me kiya tha uske bad s kya kr rhe ho?
Me- Ans

M1- Prepaid exps kya hote h or unko kha show krte h or kyu?
Me- Explained.

M1- Prepaid exps. Ko 2 jagah show krna jruri h kya?
Me – Explained.

M2- Priority sector ki lending kis trh hoti h?
Me- Explained (but he was not satisfied).

M2 – Priority ka meaning kya hota h ?
Me- explained.

F1 – Society ko kis base me segment krte h?
Me- Explained (but she looks not satisfied)

M3 – Wo jo bank me kuch board type k lge hote h kya hota h wo?
Me- explained

M3- kya likha hota h Citizen Charter me?
Me- Explained

M3 – Insubordinate Debts kya hota h?
Me- Not explained.. I don’t know about that.

M4- Banking ombudsman kya hota h?
Me- Explained

M4 – Consumer forum kya hota h?
Me- Explained?

M4- Consumer forum or Ombudsman me se jurisdiction kiske pas h?
Me – Told (but he was not satisfied)

M1- Ok thank you lovenish. All the best.
Me- I wished them thank u and have a nice day separately to ma’am also.

Overall my interview was good. Now waiting for my marks coz 80 % result is depend upon the written marks..
All the best guys......

TOP 50 Question Asked in IBPS Clerk Interview

Bankers Guru
Dear Readers, we are providing you the questions which was asked in last days in IBPS Clerk-IV Interview.

1. How can you be useful to our bank?

2. Why should we selected you?

3. Why are you applying for bank with technical degree?

4. Are not you overqualified for this post?

5. Which bank recently got submerged in SBI?

6. What is your strength? What you know about bank?

7. What are the different types of bank?

8. Which is the youngest/Latest public sector bank?

9. What is the objective of establishing BMB?

10. Who is the chairperson of PNB?

11. Name three ladies CEO in a chair persons

12. What are the banking apex institution?

13. Who is the owner of RRB?

14. What is the main source of banks incomes?

15. What is balance sheet?

16. What are the current asset/Liabilities?

17. Name the assets/liability product?

18. Name the third party product?

19. Difference between credit card debit card?

20. Difference between RTGS/NEFT?

21. What the latest changes in financial sector?

22. What is REPO RATE/SLR/ CAR/CRR/Inflation (How it is controlled)?

23. Money laundering?

24. What is financial literacy?

25. What is financial inclusion?

26. What is NPA?

27. What are the qualities of a good clerk?

28. What is CASA? Importance of CASA?

29. 2014 noble peace price?

30. phishing/RTI/SAGY/PMJDY/Bharat rattan/Jeevan parman/ EBOLA/play my way/CEO of Microsoft.

31. What is East India policy?

32. Which operating system used in banks?

33. Which is the official language of bank? When did Rajbasha day celebrate?

34. Who is the Speaker of rajsabha/Army chief/Election commission?

35. Type of term loan/DBT?

36. How is the most mentioned personality on social networking?

37. When did world yoga day celebrate?

38. Who was the parade commander of 66th Republic day.

39. Situation that irritating you?

40. Time when your are superior shouted you?

41. What motivates you most?

42. What you most proud of?

43. What is most important to you in a job?

44. Thinking of most difficult person who you will deal?

45. Would you like to a team leader or a team player?

46. Example of short term and long term loan?

47. What is Retail banking?

48. What are the interest rate on saving/current a/c?

49. If you got selected in PO, can you leave out bank?

50. What is your hobbies, internet?

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