Legal Rights Related to FIR

Legal Rights Related to FIR – |First Information Report| |FIR| |IPC| |Women Rights| |fir se jude kanooni adhikar| |what is fir report| |police fir na likhe to kya kare| |police se fir kaise likhwaye| |fir kaise register karaye| |fir na likhne ki shikayat kha kare||what is crpc section 154| |procedure after fir is lodged||police not taking action on fir| ncr kya hoti hai withdrawal of fir by complainant, difference between police complaint and fir FIR & more.

To file a complaint of any crime against you in the police, it is necessary to file an FIR so that the police can go to the bottom of the crime and get them punished and the victim can get justice.

As soon as the FIR is heard, the public has a sense of terror in the mind. FIR is lodged under Section 154 of Indian Penal Code, 1973. This is your legal right. Advocate Gunjan Chakash explains that sometimes people do not understand the importance of FIR or do not have any information related to it, but they can do their own losses, while registering an FIR, the police can never refuse.

Difference between FIR and Police Complaint

FIR is a First Information Report. It relates only to cognizable (criminal) offences. On the other hand, police complaint can be cognizable or non-cognizable offences.

FIR and Police complaint are two different terms with different meanings. Though they are related to complaints, they have different offenses and complaints where FIR and police complaints are registered accordingly.

In a First Information Report, a complainant who is aware of the offense, as an eye witness and as hearsay account, lodges an FIR. It is information given to the Police Officer. FIR is a very serious registration that one can make. It should not be gossip and that should be traceble, and after the complete investigation the source takes the responsibility. An irresponsible rumor should not result in the registration of a FIR. It is mandatory to give a copy of the first information report (as recorded by police) to the complainant or the informant free of cost.

A cognizable case means a case in which a police officer may arrest without warrant, in accordance with the First Schedule of Cr.P.C. (1973), or under any other law for the time being in force. Whereas, non-cognizable offence means in which a police officer has no authority to arrest without warrant.

On the contrary, a Police Complaint can be a cognizable or non-cognizable offences complaint. Complaint means any allegation made orally or in writing to a Magistrate, with a view to his taking action under the code of criminal procedure (1973), that some person (whether known or unknown), has committed an offence. It can be related to a robbery, accident, murder, etc. Thus, it is quite possible that a police complaint can also be converted into FIR, if the investigation proves to be a serious matter.

There are three such places where there is always the right time of every man’s right to live in the house, the cottage, the hospital and the police station. If the police does this then the police can also complain to the upper level. Read further slides to know the FIR and its associated rights.

Every information relating to the commission of a cognizable offence, if given orally to an officer in charge of a police station, shall be reduced to writing by him or under his direction, and be read Over to the informant; and every such information, whether given in writing or reduced to writing as aforesaid, shall be signed by the person giving it, and the substance thereof shall be entered in a book to be kept by such officer in such form as the State Government may prescribe in this behalf.

Important Related to FIR and Police Complaint

If someone’s mobile is lost or stolen, then that mobile could also be misused. Important paper or driving licenses etc. in purse can also be misused. Not only this, there is a need for a police report in the formation of this document again, so the complaint made to the police is of great importance.

Even casualties are not correct and should be reported to the police about missing items. In such cases, the police usually do not FIR directly if someone’s mobile has been stolen or someone has looted then FIR is registered only. But if the mobile is lost or lost somewhere, then the police cut NCR.

In NCR the police referring to the incident and a copy of it is given to the complainant. After this, if any person of the said mobile or any missing document is misused, then the defense can be defended on the basis of the copy of the NCR. In such a situation, NCR has a lot of importance. He told that the copies of the NCR send the cop to the court. Also, if no clue is found after the investigation, the police file reports of Untraceable but during the investigation, if the case is settled and the recovery of the goods, then the complaint may be given on the basis of the copy of the NCR.

Who can make a complaint?

Anyone can make a complaint. If you have,

  1. Experienced inappropriate behavior from a police officer or member of police staff.
  2. Witnessed an incident – for example, you were present when an incident took place.

A person can complain anytime he wants. There is no limit on making a complaint, but it is best to do it as quickly as possible after the incident. Under the Indian Penal Code, it is said that if more than 12 months have passed between the incident and the date when the complaint is made, then the appropriate authority may not register it. There should be a valid reason for not making a complaint. However, it does not guarantee that the complaint will be investigated.

Thus, one needs to be very clear about the two terms, FIR and Police complaint, that for what reason and on which basis they both can be used.

SBI Home Loan EMI Calculator

SBI Home Loan

|SBI Home Loan| |EMI Calculator| |Eligibility| |Calculate Loan EMI| |Interest Rate| |Processing Charges| |Tenure Period| |Instant Quotes| |EMI calculation| |Per Lakh Loan EMI| |Repayment Schedule| |Eligibility Criteria| |Documentation Required| |Online EMI Calculation| |Best Offers|. All about State Bank of India (SBI) Home Loan EMI Calculator & more.

State Bank of India offers home loan with a very lowest interest rate @ 8.30% for womens category and 8.35% for others with a minimal lowest processing charges 0.35% of the loan amount, No Pre Payment Penalty, Interest charges on Daily Reducing Balance, Home Loan Available as Overdraft, Interest Concession for Women Borrowers with repayment options up to 30 years.

SBI HOME LOAN DETAILS 2018

Bank Name State Bank of India
Known as SBI
Product Home Loan
Description SBI Home Loan EMI Calculator
Lowest Home Loan EMI per Lakh (Women) Rs. 755/-
Lowest Home Loan EMI per Lakh (Others) Rs. 758/-
Lowest Home Loan Interest Rate (Women) 8.30%
Lowest Home Loan Interest Rate (Others) 8.35%
Number of Home Loan Branches in India 24000+
Home Loan Processing Charges 0.35% of the loan amount Minimum: Rs. 2,000/- & Maximum: Rs. 10,000/- (waived till 31st March 2018)
Official Website https://homeloans.sbi

What is an EMI?

EMI or Equated Monthly Instalment is a fixed amount paid by you to the bank on a specific date every month. The EMI’s are fixed when you borrow money from the bank as a loan. EMI’s are used to pay both interest and principal amount of a loan in a way that over a specific number of years, the loan amount is repaid to the bank alongwith interest.

CALCULATE HOME LOAN EMI VIA EMI CALCULATOR


SBI HOME LOAN INTEREST RATE – MAY 2018

  • Annual reducing method: In this system, the principal, for which you pay interest, reduces at the end of the year. Thus, you continue to pay interest on a certain portion of the principal that you have actually paid back to the lender. This means that the EMI for the monthly reducing system is effectively less than the annual reducing system.
  • Monthly reducing method: In this system, the principal, for which you pay interest, reduces every month as you pay your EMI.
  • Daily Reducing method: In this system, the principal, for which you pay interest, reduces from the day you pay your EMI. EMI in the daily reducing system is less than in the monthly reducing system and a year is treated as consisting of 365 days irrespective of leap or non-leap year.
Category
Home Loan (Term Loan)*

Upto Rs. 30 lakhs Above Rs.30 lakhs & Upto Rs.75 lakhs Above Rs.75 lakhs
Salaried
Women
8.30% p.a 8.30-8.35% p.a 8.40-8.45% p.a
Others
8.35% p.a 8.35-8.40% p.a 8.45-8.50% p.a
Non-Salaried
Women
8.40% p.a 8.45-8.50% p.a 8.50-8.55% p.a
Others
8.45% p.a 8.50-8.55% p.a 8.55-8.60% p.a

SBI HOME LOAN ELIGIBILITY

If you are going to opt an home loan, state bank check some eligibility criteria:

A customer must reside in India, minimum age should be 18 years and maximum age should be 70 years. You can opt your home loan up to 30 years tenuor.

What is the process to register my property?

Registration of a property includes necessary stamping and paying of registration charges for a sale deed and getting it recorded at the sub-registrar’s office of the concerned jurisdictional area. If a property is purchased from a developer directly, getting it registered amounts to an act of legal conveyance. In case the purchased property is a second or third transaction, it involves a duly stamped and registered transfer deed. Nowadays, property registration process has been completely computerized in most states.

What is the meaning of property registration?

It refers to the registering of documents relating to transfer, sale, lease or any other form of disposal of an immovable property. Registration is compulsory by law for all properties under Section 17 of the Indian Registrations Act, 1908. Once a property has been registered lawfully, it means that the person in whose favour the property has been registered, is the lawful owner of the premises and is fully responsible for it in all respects.

What documents would I need at the time of possession?

  • Original copies of the chain of title agreements and Building Plan approvals
  • Original registration and stamp duty receipts
  • Possession Letter
  • Original share certificate (In case of societies)
  • Proof of payment of all dues like maintenance charges, electricity bills, phone, water and property taxes up to the date of handing possession
  • NOC from the Society or any other concerned body confirming that there is no objection to the transfer

What documents do I need to check if I am buying a resale property?

Clear and marketable Title, Sale Deed, Encumbrance Certificate, latest tax receipts, Occupancy Certificate, Building Plan Approvals and Possession Certificate.

What documents are required for registration of a new apartment/plot?

Sale Deed, No Objection Certificate (NOC) from builder, NOC from banks, Building Plan approvals, Completion Certificate, PAN Card and photographs.

What is the mode of payment for NRI home loans?

The housing loan needs to be paid for the entire tenure of the loan by way of direct remittances from abroad through normal banking channels or from other financial accounts as may be permitted by RBI. Generally, payments are done through NRO, NRE, NRNR and FCNR accounts. These accounts change on the basis of RBI regulations.

What are the types of insurances available with Home Loan?

  • Term Insurance product is offered by SBI Life Insurance Company which offers financial coverage to the term life insurance policy holder for a specific time period. In case of death of the insured individual during the policy term, the death benefit is paid by the company to the beneficiary. (SBI Suraksha)
  • Property insurance is offered by SBI General that covers private residences and protects them from unpredictable damages and natural disasters.

Is pre-payment penalty funded in balance transfers?

Yes. Total loan quantum, will however, continue to be determined by eligibility criteria based on income, EMI/NMI ratio, LTV ratio etc. applicable to Home Loans scheme.

Do women get concessional interest rates for SBI Home Loans?

Yes. Under ‘HER’ Ghar, which is a scheme specifically designed for women home buyers. There is a concessional interest rate of 0.05% p.a. offered to women borrowers. However, the two criteria which must be satisfied are:

  • Woman should be the sole applicant or one of the co-applicants for Home Loan
  • The woman should be the sole owner or one of the co-owners of the property proposed to be financed by the Bank

How to Link Aadhaar with PAN Card

How to Link Aadhaar with PAN Card June 2018 – All about |UIDAI GOV| |Link Aadhaar with Pan Card| |Last Date to link Aadhaar| |Aadhaar Status| |UAN Login| |UAN Passbook| |EPFO Member Login|. All about how to link aadhaar with pan card online and offline.

The government extended to March 31, 2018 the deadline for linking PAN card with Aadhaar card.

Department Name: Unique Identification Authority of India (UIDAI)

Subject : Link Aadhaar with PAN Card

Contact Address: Government of India 3rd Floor,Tower II, Jeevan Bharti Building,Connaught Circus, New Delhi – 110001

Contact Email[email protected]

Official Website: https://uidai.gov.in

Linking of Aadhaar number or the 12-digit personal identification number known as Unique Identity Number (UID), issued by the UIDAI or Unique Identification Authority of India, is now mandatory for many important tasks.

STEPS TO LINK AADHAAR WITH PAN CARD

STEP1: To add a Aadhaar number to the PAN card, you will have to go to the most e-filing website (https://incometaxindiaefiling.gov.in/) and follow these instructions

STEP2: If you are going to this website for the first time, first click on ‘Register Here‘. After this, give the details of the PAN and make the password after the OTP verification. After this you have to log in.

STEP3: If you already have an account, just click on ‘Login here‘. You must enter your PAN number in UserID. After that enter the password, and then the cache code. Finally click on ‘Login’.

STEP4: After this there will be a pop up window that will ask you to link the Aadhaar number. After that enter the base number and then the cache code. Finally click ‘Link Now‘.

STEP5: If you do not see a popup window then do not be afraid. You can still easily link to both numbers. For this, go to profile settings in the top menu. Then click on the ‘Link Aadhaar’ option.

STEP6: After that, enter your base number and then click on ‘Save‘.

What to do: if Pan card and Aadhaar Card not Matched

Explain that this approach will work only when the details of PAN card and Aadhaar card are fully matched. For those whose card details do not match completely, the government has tried to simplify this system. Now you have to give only a scan copy of your PAN card for this. Apart from this, the tax department is also planning to give online options in this regard. It will give taxpayers the option of adding support to their e-filing portal. In this option he will have to choose an alternate password (one time password) without changing his name. In order to choose this option, they will have to provide the birthdate mentioned in both of their documents and on their matching they will be able to add the pan to the online basis. It seems that this option has not been made available right now.

HOW TO LINK AADHAAR WITH PAN CARD BY SMS

SMS: To link your Aadhaar with PAN card through SMS, type UIDPAN<SPACE><12 digit Aadhaar><Space><10 digit PAN> and send it to 567678 or 56161.

If your name is spelt differently in the records of the two agencies, you will receive an Aadhaar OTP via SMS for confirmation. However, if other details, such as date of birth or sex, do not match, you will have to head to the National Securities Depository Ltd. website (for PAN), or UIDAI portal (for Aadhaar) to change details so that they match.

Link UAN with Aadhar – Services – Last Date – E-KYC Portal

Link UAN with Aadhaar – |Unified Portal| |EPFO| |Link UAN with Aadhar| |UAN Aadhaar Link| |UAN Member Balance| |Portal Login| |Check Online| |Aadhar UAN link last date| Everything about Employees’ Provident Fund Organisation (EPFO) to link to your aadhaar from UAN.

How to link Aadhaar with PF account? Your difficulties have now been simplified by the Retirement fund body EPFO (Employee Provident Fund Organization). The EPFO has launched a new service. Under this service, you can connect online UAN (Universal Account Number) based on the basis from home.

HOW TO LINK AADHAAR WITH UAN?

For this, first click on the EPFO’s ‘EKYC Portal’ link.

Click on link UAN AADHAAR on new page. After clicking on it, a new page will open. After filling all the required information sought in it, your UAN number will link to the aadhaar.

After filling the UAN and registered mobile number on the new page, press the Generated OTP button. After this you will get a message via SMS.

After this, enter the confirmed OTP and your 12 digit base number, click Submit. Simultaneously, sitting in the house, you can link your UAN to the base in minutes.