Job specification is the Qualities required by the person to perform the job. Job specification is the Education qualification, Experience, Skills, Knowledge and Required skills to complete the particular job . All this skills are required to complete the job.

Job description is the Role or the Duty of the employee that need to done or performed by him. Job description says what employee need to do after joining the work. Job Description explains areas of operation, Responsibilities, Whom to Report and Who are all the subordinates, What are all the work need to be done. Job description will give complete details about the work, Role and Responsibilities of the employee.

With the on-going global pandemic, people have become stuck in their homes. Many people are not able to go to work and are finding it hard to deal with the financial loss. This quarantine has also taken a toll on many people’s mental health. Honestly, I was scared when I realized that I will have to stay in my home and this might become the new normal for a long time. But this time made me learn a lot of lessons.

I learned to be more grateful towards even the littlest moments of my life. I used to obsess over a lot of materialistic stuff but I have realized that there is so much more to be grateful for.

I started spending more time with my family which not only strengthened our family bond but also created a healthy atmosphere where we can talk and have fun. We are so used to being attached to our screens that we often forget that we need to actually learn to socialize without the use of it. Sitting with my family has made me open up more and have also considerably decreased the amount of time I spent using social media.

Introspection

I get a lot of time to reconnect with myself. This makes me more self-aware and I am able to point out my strengths as well as weaknesses. I have started enjoying my quite time.

Hobbies

I have tried to make use of this period to do something productive and tried to develop new skills, painting has been a recent hobby of mine. There are many more activities that people can do indoors and still make it fun. People can switch to dance, indoor workout, cooking, learning languages, reading books and catching up on the shows that they previously missed because of their busy schedules.

Reconnecting with old friends

Since it’s not possible to meet friends, gadgets come in handy. Face-timing your friends or even calling them up can also be a good use of one’s time.

Rest and Relaxation

As much as it is good to use your time to do something productive, rest and letting yourself relax is equally important. We work in our lives almost every day to meet the needs. This free time should not be another stress trigger for you. One should not feel overburdened with work. Take some time for yourself and grow at your own place.

Hopefully, everyone finds a way to deal with this quarantine period and come out as a better person at the end of it.

Arunachal Pradesh, also known as the state of Rising Sun, is a state of India. It is located in the North-eastern region of the country and is one of the seven sister state. It shares borders with Assam and Nagaland to the south. The state also shares international borders with Bhutan in the west, Myanmar in the east and disrupted borders with China in the north.

The state has long been recognised as a region of Indian subcontinent and finds its mentions in ancient Hindu literature like in Kalika Purana and the epic poems of Mahabharata and Ramayana. The state was a part of Assam until it was made a Union Territory in 1972 and in 1987 it was made an Indian state.

The land of rising sun, Arunachal Pradesh, is characterized by mountainous ranges and sub mountainous ranges along the northern part. This state is truly diverse in terms of its culture. Arunachal Pradesh has 26 major tribes and multiple sub-tribes. People of Arunachal Pradesh speak over 50 dialects. Arunachal Pradesh is a green gold. Because of the variation in altitude and climatic condition, it has tropical, subtropical and temperate forest.

Tribes and Religion

Arunachal Pradesh has a truly varied culture with 26 major tribes and multiple sub-tribes. Each tribe is characterized by its own unique set of culture and traditions.
• The first group of people in Arunachal Pradesh is made of Monpas and Sherdukpens of Tawang and West Kamang district. The following Lamaistic tradition of Mahayana Buddhism.
• The second group are the worshipers of Sun and Moon God, and comprises of Adis, Akas, Apatanis, Bhagnis, Mijis, Mishmis, Nishis and Thongsas.
• The third group consist of Octes and Wanchos tribal communities of Tirap district. They are followers of Vaishnavism and maintain strict village society which is ruled by hereditary chief.

The people of the state mostly practices indigenous religion which is highly inclines towards nature. However Christianity too in practiced by 30% of the population. Certain amount of the state population practice Hinduism. Tibetan Buddhist is practiced in certain parts of the states which is adjacent to Tibet. The central faith along the Burmese border is Theravada Buddhism.

Art and Dance

The state of Arunachal Pradesh possesses great craftsmanship skills. From weaving to painting, carpet making to pottery, wood carving to ornament making, basketry to cane and bamboo work and many more, the local man are skilled for all. The women on the other hand expertise on handloom and handicraft making.

Dance and music are important part of life of Arunachal tribes. Various dance forms are seen in different part of Arunachal Pradesh. They can broadly be divided into four different categories, namely, festival dance, ritual dance, recreational dance and dance drama. Most of the dances are accompanied by chorus songs.

Festivals

The people of Arunachal Pradesh celebrate a string of festivals, and the reason ranges from religious to socio cultural to agricultural. Since agriculture is the main occupation, there are many festival celebrated for good harvest. Some predominant festival of the state include Losar, Solung, Boori- Boot, Mopin, Dree, Nyokum, Reh, Si-Donyi etc.

Someone said it right “What you sow, so you reap”. This is very true when it comes to the latest encounter of criminal Vikas Dubey in Kanpur, Uttar Pradesh. He had a criminal record of killing 8 policemen recently who went to arrest him instead were killed. He also has a record of almost 60 criminal cases against him including murders. The most daring and high profile one was the one in which he killed a BJP MLA inside a police station 20 years ago and was acquitted for lack of evidence.

The world around us is surrounded by various criminals and sometimes people at top positions are involved in the domain directly or indirectly. The manipulate and monopolize the truth and hence elevate the culture of the wrong being. Since so many people are involved, the network of such criminals gets more power and they try to spread their wings by doing more criminal activities. The large network also allows them to be convicted and arrested. Many of the murderers and criminals in the past have been released due to a lack of evidence when the truth was known.

In the case of Vikas Dubey, the person was doing wrongful activities for a long time but the killing of 8 policemen recently led to his encounter as the case became high profile and came to media. Some rumors and reports indicated that once he will be arrested, there are chances that he will be killed sooner. The law doesn’t take account of the killing of criminals at the point unless he/she has created harm and is trying to escape. 

Now, this encounter seems like a typical Bollywood movie scene where the vehicle in which criminal was taken was rammed and in the process, the criminal tried to escape and police had to kill him on the spot has led to debate whether what happened is correct or not. If police can kill a person in such encounters, won’t all rapists who have clear records of what they did was incorrect be killed at that time? Won’t terrorists be hanged at the moment? Won’t other criminals who have the record against them be killed similarly in nearby future taking the shortcut? 

There is no doubt in the fact that criminal and legal cases in India take time and the best advice anyone gives is to settle the case outside the court as it is more convenient and saves a lot of time of all the parties involved. To kill a criminal on the spot saves a lot of time and effort in keeping him alive. When Kasab, one of the terrorists was taken into custody, there was a lot of money spent each day to keep him alive. But sometimes, it is also needed to keep them alive to get more information about how they have managed to do all these activities in the past and to know more about who else was involved with them.

A lone wolf is dangerous but a pack of the wolf can certainly create more problems in the jungle. Similarly, it is important to follow the legal steps and guidelines so that along with one criminal, the network-attached is also exposed and punished by the law. 

Let’s get to our journey by knowing – what is brand? The notion behind brand and branding? What purpose does it accomplish?

Branding is the utmost central task for marketers and corporations, as it’s vital for continued existence. Corporates term brand as a “lens through which the consumer assesses their products and an image of a firm”. Brand associations epitomize the attribute of goods and services in the cognizance of customers. Numerous analyses confirm that brands are not anew created model. It’s historic.

If truth be told, branding has survived for ages and can be sketched to the time of Harrapan civilization. We all know language was developed for two things during that days- First, for religious communication and second, for business trade and practices (Barter system). In the trade and practices, people use to keep record by sketching symbols or signs or any icons. Many historians named it “an early brand”. They are also called “Proto-Brand”.

In 2000 BC, Indus valley civilization was rising. They used seals and it was used as brand to differentiate the culture. The seals were used in trading by merchants. The seals were attached with goods before dispatching. The Greek market revolution round the 6^th century BCE, has led an entrepreneurial culture. There the pottery industries give a visual of artistic designs and branding, which potters used in arts. It gives an image of value and power of Greece culture. What is brand? Brand is a name, sign, symbols, picture, etc. which helps in identifying the goods and services provided by different sellers. Any product become a brand when some dimensions are added to it to differentiate the product in some way from other similar products. The dimensions can be rational, functional, tangible, emotional, symbolic or, intangible. Anything can become a brand – A service (Life Insurance Corporation), A product (Samsung, Dell, Apple), A store (Big Bazaar, Shoppers stop). Brand has an attribute which help in maintaining- high quality level, associated feelings, is worth the price it commands, evoke the feeling of confidence and pride amongst the users.

When there is pressure or pain in the head, it can be difficult to tell whether the individual is experiencing a typical headache or a migraine. Differentiating a migraine headache from a traditional headache, and vice versa, is important.

What Is A Headache?
Headaches are unpleasant pains in your head that can cause pressure and aching. The pain can range from mild to severe, and they usually occur on both sides of your head. Some specific areas where headaches can occur include the forehead, temples, and back of the neck. A headache can last anywhere from 30 minutes to a week. Triggers for this headache type include stress, muscle strain, and anxiety.

What is migraine?
These headaches are intense or severe and often have other symptoms in addition to head pain. Symptoms associated with a migraine headache include:
• Nausea
• Pain behind one eye or ear
• Pain in the temples
• Seeing spots or flashing lights
• Sensitivity to light and/or sound
• Temporary vision loss
• Vomiting
When compared with tension or other headache types, migraine headache pain can be moderate to severe. Some people may experience headaches so severe they seek care at an emergency room. Migraine headaches will typically affect only one side of the head. However, it is possible to have a migraine headache that affects both sides of the head. Other differences include the pain’s quality: A migraine headache will cause intense pain that may be throbbing and will make performing daily tasks very difficult.
Migraine headaches are typically divided into two categories: migraine with aura and migraine without aura. An “aura” refers to sensations a person experiences before they get a migraine. The sensations typically occur anywhere from 10 to 30 minutes before an attack. These can include:
• feeling less mentally alert or having trouble thinking
• seeing flashing lights or unusual lines
• feeling tingling or numbness in the face or hands
• having an unusual sense of smell, taste, or touch
Some migraine sufferers may experience symptoms a day or two before the actual migraine occurs. Known as the “prodrome” phase, these subtler signs can include:
• Constipation
• Depression
• frequent yawning
• irritability
• Neck stiffness
• unusual food cravings

Treating Migraine

Prevention tips
Prevention is often the best treatment for migraine headaches. Examples of preventive methods your doctor may prescribe include:
• making changes to your diet, such as eliminating foods and substances known to cause headaches, like alcohol and caffeine
• taking prescription medications, such as antidepressants, blood pressure lowering medicines, antiseptic medicines, or CGRP antagonists
• taking steps to reduce stress

To get started with the any work as a employee the company or the employer will give the training to the employee. As employee has skills but training will helps make that skills sharpen and gives more new skills to the employee. Training may be inform of on the job training and off the job training. On the job means training will be given along with doing the work.off the job training means training will be given in the form of class room lecture,online training etc. Totally training is important to get started with any new work it will give new skills and makes the existing more sharpen.

IQ (Intelligence quotient or Cognitive intelligence)

IQ, or intelligence quotient, is an inborn ability and it measures the general intelligence. They can learn, understand and implement knowledge, perform logical reasoning and abstract thinking. IQ is the intellectual ability to manage ideas, knowledge and thoughts.IQ represents abilities such as: Visual and spatial processing , Knowledge of the world ,Working memory , Quantitative & logical reasoning.

EQ ( Emotional Intelligence)

EQ is…  Self Awareness ,  Self Confidence , Interpersonal Skills and  Social Competence

EQ is the ability to manage relationships with other people.EQ is centered on abilities such as:

• Identifying emotions
• Controlling one’s own emotions
• Perceiving how others feel
• Using emotions to facilitate social communication
• Using Empathy – to relate to others

EQ refers to an individual’s level of emotional intelligence, which is represented by scores obtained in a standardized test. It is a learned and improved ability.

Measurement of EQ

Meanwhile, EQ assessments test different aspects of emotional intelligence: emotional literacy, empathy, intrinsic motivation and how we navigate emotions. Some school counsellors may suggest an EQ test for a child who is struggling socially, to determine which skills to work on.Just like with IQ scores, an EQ score of 100 is considered average; 115 is awesome, but 85 indicates there are some challenges.

There are a number of instruments that seek to “measure” emotional intelligence, including the Mayer, Salovey, Caruso Emotional Intelligence Test or MSCEIT.

Unlike IQ, which is static, EQ can increase. But to really develop and master those skills, a child may need explicit teaching and practice.

5 Components of Emotional Quotient

When considering emotional intelligence, we look both internally and externally. EQ considers how we think about ourselves and how we think about and act toward others.The three internal hallmarks of emotional intelligence pertinent to self are:

• Self-awareness is the the ability to identify your own emotions and their impact.
• Self-regulation is the ability to control or redirect disruptive impulses and moods to suspend judgement and think before acting. In practice, it is your ability to influence your emotional clarity.
• Motivation is to go beyond the external drive for knowledge to pursue goals with energy and persistence.

Externally, EQ is a measure of what goes on between you and others.

• Social-awareness is the ability to recognize and understand the emotions of others and react appropriately Social-regulation is your ability to influence the emotional clarity of others through a proficiency in managing relationships and building networks. relationship management (the ability to influence and connect with others).

Emotional intelligence is measured using 5-major components and 15-subcomponents:1. Intrapersonal Skills (ability to understand and apply personal emotions) – Self Regard ,Emotional Self Awareness ,Assertiveness , Independence ,SelfActualization

 2. Interpersonal Skills (people skills) –  Empathy ,Social Responsibility ,Interpersonal Relationships ,3. Stress Management (ability to handle challenges) –  Stress Tolerance , Impulse Control

4. Adaptability (Ability to react quickly, appropriately, and efficiently to change) – Reality Testing , flexibility ,Problem Solving,5. General Mood – Optimism To a great extent, each of the five domains represents sets of habit and responses that are learned, and so can be improved with appropriate effort

Exemplary qualities of people with high EQ

They are called as “people smart” for their extra-ordinary interpersonal skills and are good communicators.The emotionally intelligent child is also one who can verbalise her own emotions accurately, regulate them and control reactions to them( think of ways to defuse her feelings rather than throw a book against the wall.) A child with a high EQ can also handle more complex social situations and build meaningful friendships, in part because of that ability to relate to or empathize with peers.

As a kid grows into a teen and then an adult, EQ becomes tied to internal motivation , governs how emotions impact decision making, to make her cope with stress, solve problems and pursue goals.

Many companies hire for entry-level positions based on IQ, then promote people based on EQ. You need to have a brilliant IQ to be a good engineer, but to be a leader of engineers, your EQ matters more than your IQ.People with high emotional intelligence are likely to be doing well, to be effective at work, to have strong relationships, good health and a high quality of life.

What matters is how you’re able to “connect with, understand and inspire other people”. He believes emotional intelligence enables you to demonstrate humility, making people naturally inclined to help you succeed. It also fosters resilience and grit, which empower you to overcome fear of failure and take risks for future success.

When you have the IQ to make good intellectual decisions and the EQ to build relationships with those around you, the sky is the limit.Leaders, Captains, Managers and people with social challenges tend to be more emotionally intelligent. high-EQ students are more co-operative and make better leaders in the classroom. get along with people in progressively collaborative workplaces.

Raise your EQ?

 EQ can be raised by recognizing  and naming the emotions we feel , understand why you feel that way , and distinguish between feelings and actions . It can also done by motivating oneself when considering how to productively harness your feelings, practice some emotional self-control  ,recognizing emotions in others and sensitive to other people’s feelings and listen well.

It is a good practice to manage emotions and accept your feelings, but find a balance between over-sensitivity or over-expression and emotional suppression .While handling relationships – Being perceptive, applying conflict management skills instead of ignoring conflict, and being considerate and cooperative . Lighten up the situation by learning to see the humor in difficult situations and use it to smooth over differences. It can be done by resolving conflict positively by choosing your arguments, staying focused in the present, and be prepared to forgive or end conflicts that can’t be resolved.

Can Emotional Intelligence Be Learned?

Some strategies for teaching emotional intelligence include offering character education, modeling positive behaviors, encouraging people to think about how others are feeling, and finding ways to be more empathetic toward others.

Emotional literacy is the term used to describe the naming and managing feelings and learning to respond to others’ emotions appropriately.“Kids learn to understand the social world through storytelling—it helps them relate to a situation and learn how to handle events and emotions,” it’s learning to be aware of their own feelings, to express those feelings, to be able to get along with other kids,  to be responsible”

Modelling EQ begins at home

Parents begin teaching emotional literacy to their kids from infancy. “One of the things that’s really important in the early years is for children to be able to understand how they’re feeling and to be able to put words to those feelings rather than acting out,” says Chapman.

Emotional intelligence can be developed over time, free of age limit, with the condition that it is provided the necessary attention and effort to it. It is vital for overall success and is a flexible skill set that can be nurtured, it seems prudent for parents to teach emotional literacy to children from infancy.

The final words :

Researchers have shown that our success at work or in life depends on Emotional Intelligence 80% and only20% of intellect.IQ makes up only 20 percent of the factors that determine life success, while other forces, such as EQ, wealth, temperament, family education levels and pure luck make up the balance. That means cognitive skills—verbal comprehension, memory, reasoning and processing speed—will help academically, but they will only get a person so far in life. To really go the distance, those IQ traits should be rounded out with social-emotional skills like motivation, perseverance, impulse control and coping mechanisms .

To gain extensive knowledge about this topic, please check the following link

https://en.wikipedia.org/wiki/Emotional_intelligence

You must have heard people telling you to stay positive when you are going through hard times or maybe you must have heard yourself giving advice to others about how staying positive can help them. Being positive is essential to get through life but too much of it can sometimes do more damage than good. Excessive of anything can be harmful. As much as everyone believes in the undeniable power of positivity, it can take a toxic turn when we try to use it to hide the negative situations. It is a very normal human experience to face the hardships along with the good stuff but trying to negate your true feelings goes against any sort of development.

Over sweetening of positivity comes at a price of hiding one’s true emotions. Since it is always encouraged to stay positive and be happy all the time, we miss the fact that feeling sad is one of the most basic human emotions and should not be sidelined under false happiness. This only builds guilt towards one’s own emotions. Being on the receiving end of someone’s feel good quotes can be annoying at times. Sometimes you just want to and need to face the reality. This should also hold true when you are the one giving advice to someone. You telling someone to think positive doesn’t help anyone. It just creates resentment and feels as if you are minimizing someone’s experiences. Telling someone to look at the brighter side of the situation should also not be your first response when someone confides in you. Try to be emotionally supportive.

It is also apparently believed that there is some shame attached to feeling certain emotions or letting them out in the form of crying. The only reply we get is to man up and stop being a crybaby. In order to avoid this, we end up braving and portraying a false front. Suppressing or hiding these emotions lead to more stress and can erupt in a harmful manner. It makes one end up creating a fake persona for themselves. It creates pressure to be or act in a certain way around some particular people.

In order to lose this toxic positive attitude, try listening to people’s emotions and feelings rather than brushing them off. Tell them that even though you may not be able to provide solution for their problems, you will still be with them or even ask them what they need.

Being a healthy person requires being conscious of one’s emotions as well as others. Being overly positive can be harmful to you as well as to those around you. So cut the chain of toxic positivity but don’t dwell in sadness either. Set healthy boundaries for yourself and don’t let anyone, including yourself belittle your experiences.

Northeast is the collective name of the easternmost states of India. It comprises of 8 culturally and ecologically rich states. It comprises of Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Sikkim and Tripura. These states are also know as ‘The seven sisters’ and Sikkim being the only brother.
If you are a travel geek, visit to the Northeast must top your bucket list. Each state is very different from each other, yet so similar. Each state can mesmerise you with its beauty. This part of India is so raw and pure, in comparison to the rest of the country and this makes it even more special.
Introduction to each state
• Arunachal Pradesh
The land of rising sun, Arunachal Pradesh, is characterized by mountainous ranges and sub mountainous ranges along the northern part. This state is truly diverse in terms of its culture. Arunachal Pradesh has 26 major tribes and multiple sub-tribes. People of Arunachal Pradesh speak over 50 dialects. Arunachal Pradesh is a green gold. Because of the variation in altitude and climatic condition, it has tropical, subtropical and temperate forest.

• Assam
Assam is a northeastern state popular for its wildlife, archaeological site and tea plantation. Assam is also known for its temples, especially the Kamakhya Temple. The world’s largest river island, Majuli, and the smallest river island, Umananda, are both located in this state. The culture of Assam is a rich and exotic tapestry. Natives of this state are known as Asomiya (Assamese) and it is also the state language of Assam. Weaving is an important part of Assamese culture. Gamocha is one of most easily recognisable cultural symbol, besides many.

• Manipur
Manipur is situated in the eastern frontier of India. Physically Manipur comprises of two parts, hills and valleys. The valley is centred surrounded by hills on all sides. The state has a forest canopy ranging from thickly dense forest to moderately dense forest to open forest. The cultural expression and art form of this state is famous worldwide. Manipuri dance whether folk or classical, is distinct from any other form.

• Meghalaya
Meghalaya is a hilly state in northeast India. This area is geographically rich, with mountains, stretches of valley and Highland plateau. Mawsynram, Cherrapunji in Meghalaya is the wettest place of earth. Shillong, the capital of Meghalaya is known as the rock capital of India. The forest in Meghalaya are among the richest botanical habitat in Asia. Meghalaya’s forest host 660 species of birds.

• Mizoram
The state with highest literacy rate in Northeast is Mizoram. Among the northeastern states, it is the southern most landlocked state. Mizoram is the state of rolling hills, valleys, rivers and lakes. Traditional festivals in this region revolve around jhum cultivation. This state has several dance forms, including, Cheraw, Khuallam, Chheihlam, Chai.

• Nagaland
Nagaland is largely a mountainous state. It is 16th state of India on 1st December 1963. The state has a monsoon climate with high humidity levels. Nagaland, just like all other northeastern state, is high in flora and fauna. Mithun is the state animal and has also adopted as the official seal of the Government of Nagaland. Music and dance is an intrinsic part of Naga life. The Hornbill festival celebrated in Kohima, capital of Nagaland, is famous worldwide.

• Sikkim
Sikkim is the only northeastern state which is not a part of ‘seven sisters’. It host Kanchenjunga, the highest peak of India and third highest in the world. Sikkim climate ranges from sub tropical in the south to tundra in the north. Sikkim is one of the few states of India to receive snow fall. The state is situated in the ecological hotspot of the Lower Himalayas, one of the only three ecoregions of India.

• Tripura
Tripura is the third most smallest state in the country. The state is characterized by hill ranges, valleys and plains. Tripura has a typical savanna climate. Unakoti in Tripura is popular worldwide. Multiple folklore are famous about Unakoti.

Hey Readers, let’s go through some of the schemes launched by the Government of India in the year 2020. The main purpose of these schemes is to address the social and economic welfare of the society.

1. Atmanirbhar Bharat Abhiyan 

The Atmanirbhar Bharat Abhiyan was announced in four tranches by the Union Finance Minister Nirmala Sitharaman in May 2020. It aims to take India in the position of becoming self-reliant. The economic stimulus relief package announced by the government is touted to be worth Rs.20 Lakh crores. This amount is almost 10% of India’s GDP. This includes the already announced Rs 1.70 lakh crore relief package, as the PMGKY, for the poor to overcome difficulties caused by the coronavirus pandemic and the lockdown imposed to check its spread.

This scheme was based on 5 pillars that included economy, infrastructure, demographics, technology and demand. The relief package emphasized on land, labour, laws and liquidity.

For more details about the relief package, you can go to: https://byjus.com/free-ias-prep/atmanirbhar-bharat-abhiyan/.

2. Pradhan Mantri Kisan Maan Dhan Yojana

This a Central Sector Scheme which is administered by the Cooperation & Farmers Welfare, Department of Agriculture, Ministry of Agriculture & Farmers’ Welfare and Government of India in partnership with Life Insurance Corporation of India (LIC).

LIC is the Pension Fund Manager for PM Kisan Maan-Dhan Yojana that provides an assured monthly pension of Rs. 3000/- to all the farmers after the age of 60 years. This scheme was introduced with an aim to secure the lives of around 3 crores small and marginal farmers in India.

3. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

The Scheme is available to people in the age group 18 to 70 years with a bank account who give their consent to join / enable auto-debit on or before 31st May for the coverage period 1st June to 31st May on an annual renewal basis. Aadhar would be the primary KYC for the bank account. The risk coverage under the scheme is Rs. 2 lakh for accidental death and full disability and Rs. 1 lakh for partial disability.

The premium of Rs.12 per annum is to be deducted from the account holder’s bank account through ‘auto-debit’ facility in one instalment. The scheme is being offered by Public Sector General Insurance Companies or any other General Insurance Company who are willing to offer the product on similar terms with necessary approvals and tie up with banks for this purpose. As on 31st March, 2019, cumulative gross enrolment reported by Banks subject to verification of eligibility, etc. is over 15.47 crore under PMSBY. A total of 40,749 Claims were registered under PMSBY of which 32,176 have been disbursed.

For more information, refer to: https://financialservices.gov.in/new-initiatives/schemes

4. Atal Pension Yojana (APY)

APY was launched on 9th May, 2015 by the Prime Minister. APY is open to all saving bank/post office saving bank account holders in the age group of 18 to 40 years and the contributions differ, based on pension amount chosen.  Subscribers would receive the guaranteed minimum monthly pension of Rs. 1,000 or Rs. 2,000 or Rs. 3,000 or Rs. 4,000 or Rs. 5,000 at the age of 60 years. Under APY, the monthly pension would be available to the subscriber, and after him to his spouse and after their death, the pension corpus, as accumulated at age 60 of the subscriber, would be returned to the nominee of the subscriber.

Share market is the market place where the shares of different companies will be listed and purchased and sold among different buyers and sellers.companies will bring their shares to the stock market through the IPO which means Initial Public Offering where company will first time sells its shares to the open public. When company need additional capital or Fund required then company will go for the IPO so the share will be listed. If the companies share is listed then only public can purchase that particular companies share in share market. Share market has its own time and working days which is depend on different countries. In working days only one can purchase and sell the shares.

India, home to one-sixth of all humanity, holds the key to the success of the 2030 Agenda. India in its second VNR has made a paradigm shift to a “whole-of-society” approach with Government of India engaging sub-national and local governments, civil society organizations, local communities, people in vulnerable situations and the private sector.

India’s commitment to the SDGs is reflected in its convergence with the national development agenda as reflected in the motto of Sabka Saath Sabka Vikaas (Collective Efforts for Inclusive Growth). Based on the evidence from the SDG India Index, which measures progress at the subnational level, the country has developed a robust SDG localization model centered on adoption, implementation and monitoring at the State and district levels.

The following narrative further encapsulates India’s progress across the SDGs.

Sashakt Bharat – Sabal Bharat (Empowered and Resilient India): India has successfully lifted more than 271 million people out of multidimensional poverty through economic growth and empowerment. Enhanced access to nutrition, child health, education, sanitation, drinking water, electricity and housing, has led to reduced inequalities especially among people in vulnerable situations.

Swachh Bharat – Swasth Bharat (Clean and Healthy India): Through a nationwide initiative triggered by the Clean India Campaign and the National Nutrition Mission, India achieved 100% rural sanitation and sharp reduction in stunting and child and maternal mortality rates. Universal health coverage has been institutionalized through Ayushmaan Bharat, the world’s largest health protection scheme which provides an annual cover of USD 7,000 to 100 million families, covering nearly 500 million individuals.

India is at the forefront in the call for joint global action to address the COVID-19 pandemic. The country has extended medical assistance to several countries and has operationalized the SAARC COVID-19 Emergency Fund with an initial contribution of USD 10 million. Domestically, India’s response to the COVID-19 pandemic includes an initial USD 22.5 billion economic stimulus package, comprehensive health coverage for front-line workers and direct cash transfers for the most vulnerable.

Samagra Bharat – Saksham Bharat (Inclusive and Entrepreneurial India): Social inclusion is pursued through universalizing access to nutrition, health, education, social protection, and developing capabilities for entrepreneurship and employment. Financial inclusion through Jan Dhan-Aadhaar-Mobile (JAM) trinity – near universal access to bank accounts aided by the Jan Dhan Yojana (National Financial Inclusion Scheme); Aadhaar card (National unique identity number) for over 90% of the population; and expansive access to mobile phones, has propelled new avenues of credit, insurance, and Direct Benefit Transfers (DBT) to the poor, including to over 200 million women, thereby accelerating their economic empowerment.

Satat Bharat – Sanatan Bharat (Sustainable India): India’s climate action strategies call for clean and efficient energy systems, disaster resilient infrastructure, and planned eco-restoration. Acting on its nationally-determined contributions, India has electrified 100% of its villages, reduced 38 million tonnes of CO2 emissions annually through energy efficient appliances, provided clean cooking fuel to 80 million poor households, and set a target to install 450GW of renewable energy and restore 26 million hectares of degraded land by 2030. Globally, India stands third in renewable power, fourth in wind power, and fifth in solar power. India launched the Coalition for Disaster Resilient Infrastructure and the International Solar Alliance to leverage global partnerships for climate action and disaster resilience.

Sampanna Bharat- Samriddh Bharat (Prosperous and Vibrant India): India is one of the fastest growing emerging market economies with a young population and burgeoning innovation and business ecosystem. With a GDP of USD 2.72 trillion in 2018-19, India strives to become a USD 5 trillion economy by 2025, and pursue an inclusive and sustainable growth trajectory by stimulating manufacturing, building infrastructure, spurring investments, fostering technological innovation, and boosting entrepreneurship.

In the spirit of South-South Cooperation, for realizing the 2030 Agenda, India supports developing countries through the USD 150 million India-UN Development Partnership Fund. In this spirit of regional and global partnerships, and the country’s commitment to ‘leave no one behind’, India steps into the Decade of Action, drawing confidence from its experience in addressing challenges. Government of India will continue to work collaboratively with all domestic and global stakeholders to accelerate efforts for a sustainable planet for future generations.

Now Corporate Social Responsibility (CSR) is well accepted among shareholders as well as with various other stakeholders of society in India. The term CSR is new normal for Indian organisations. CSR tends to focus on what is done with profits after they are made. Larger corporations understand that CSR is an integral part of business framework for sustainable development. Companies also consider that CSR is an approach towards sustainable development and focus on the triple bottom line of Economic, Environmental and Social performance.

In India, the term Corporate Social Responsibility (CSR) is widely being used even though related concepts and terms, such as business responsibility, sustainable development, philanthropy, sustainability, corporate citizenship, responsible business, triple bottom line, shared value, value creation, business ethics, socio-economic responsibility, bottom of pyramid, stakeholder management, corporate responsibility, and corporate social performance.

The CSR activities of Indian companies are in line with the provisions of Section 135 with Schedule VII to the Companies Act, 2013. The CSR initiatives of companies thrust on creating value in the lives of the communities around its areas of business and manufacturing operations.

CSR has become an effective tool to work in the line of Sustainable Development Goals (SDGs) with a strong focus on social performance indicated in the CSR projects of the organizations. The SDGs, otherwise known as the Global Goals, are a universal call to action to end poverty, protect the planet and ensure that all people enjoy peace and prosperity.

Most of the businesses consider community as one of its apex stakeholders and believes in inclusive growth. This year most of the organisations continued its CSR initiatives in the realm of Education, Health, Livelihood, Rural Development and Social Entrepreneurship.

Organisation’s diverse projects and operations touch lives of people in many ways and create value by helping in overall and holistic development of communities within multiple geographies. Through its various initiatives, Companies endeavour to play a relevant role by serving communities and projects that address gaps in basic societal requirements.

Conscious business decisions by the Companies have directly and indirectly created value for multiple stakeholders and helped in improving lives of the people and species. Businesses in India believed in creating societal value by providing affordable products and services which have assisted in the growth of relevant and allied industries. Across all its areas of operations of Business, there are inherent linkages and interconnections with the immediate and long term societal impact.

Most of the business have a practice of reporting the CSR performance not only in Annual Report but also in dedicated Annual CSR Report and Sustainable Development Report. These reports are externally verified and are in accordance with the Global Reporting Initiative (GRI) guidelines and Business Responsibility Report, mandated by the law and competent authorities.

CSR initiatives are conceptualized and implemented through Corporate Foundations, Non-Government Organisation (NGOs) and Agencies and not-for-profit organisations. Most of the organisations worked on 4P model (Public-Private-People-Partnership) for empowering communities and stakeholders. Businesses have positively impacted lives particularly of several hundreds of thousand underprivileged people through various CSR activities and approaches.

It has been observed that for Indian Companies, Corporate Social Responsibility (CSR) is the commitment of businesses to contribute to sustainable economic development by working with the employees, their families, the local community, experts and the society at large to improve lives in ways that are good for business and for its development.

In the broad manner, CSR segment of the organisation is guided by the Board of Governance, Business DNA, CSR and Sustainability Mission of the Companies. In compliance with the provisions of Section 135 of the Companies Act, 2013 with the Companies (Corporate Social Responsibility Policy) Rules, 2014, Companies have taken measures and steps to ensure improvement and betterment.

Most of the businesses seek to continue its contribution to the society through its distinct value proposition that meets the needs of millions of people, enhancing their lives through education, healthcare, improving quality of living by providing attitude, means and enabling livelihoods by creating employment opportunities through and for the Business, By the Business and Beyond the Business.

For the Business, value is being created for the society through business including employment generation, market growth and opportunity creation. By the Business- value is also being created through Corporate Social Responsibility (CSR) interventions across different operating facilities with appropriate linkages to local communities in which businesses operate and Beyond Business- value is being created through interventions for the societies in diverse geographies across India through creation of demand and services.

At public sector business organisations in India, CSR has been also looked upon as closely linked with the principle of sustainable economic development, which demand that organisations should make decisions and act based not only on financial factors but also on immediate and long term social and environmental consequences of their operations and activities.

Businesses in India have been sensitive towards the concerns of society and is committed to operating its core business in a socially responsible way by taking into consideration the wider interests of the community and the environment.

Seven pillars of CSR strategy

1. Need of partnership in CSR

2. Cross learning

3. Supplementing and nurturing CSR

4. Per beneficiary cost reduction and maximizing the impact while reaching more people

5. Knowledge management and documentation

6. Use and reuse of resources for better CSR

7. Capacity building of the CSR workforce and re-skilling

Need of partnership in CSR

Business organisations now recognise Corporate Social Responsibility (CSR) as a great opportunity to significantly strengthen their businesses – while building, strengthening and renewing human, social and natural resources and wealth. Finding the right kind of partners is absolutely important to the success of a CSR strategy. We are in connected world.

All issues are connected to the other issues, perspective and environment. Working alone is good but working together is great. Working alone yields lesser benefits as compared to the working together always. CSR world should explore togetherness by partnering with other entities. Togetherness in addressing the social and environmental issues is good for all. CSR world should encourage partnership to execute the mega social projects.

To fulfil the corporate social responsibility (CSR) goals businesses have to realise and act in partnership. Formation of partnerships has played a very significant role in progress and prosperity across the world. Partnership brings companies, businesses, people and society together and then pool their resources together in order to achieve the set goals. Partnerships is CSR is need of hour. Partnership opens doors for cross learning of knowledge and experiences.

Cross learning in CSR

Cross learning is key to CSR strategies. Learning improves performance and minimise risks. Effective partnership among likeminded organisations for CSR execution ensures cross learning in Corporate Social Responsibility. CSR leaders from different organisations must visit specific CSR locations of other organisation where CSR projects are being implemented and meanwhile they should meet the beneficiaries to gain new insights. CSR leaders must build a deep understanding of the socio-economic issues and they must be open enough to understand issues both from a business and a societal perspective. Learning from others in CSR can save time and resources. Concentrate on your CSR efforts but same time CSR leaders must learn from variety of successful CSR programmes. The greatest opportunities will come from areas where the business significantly interacts with society. Cross learning in CSR is immensely helpful in supplementing and nurturing CSR programme and projects.

Supplementing and nurturing CSR

Good CSR strategy and projects must be encouraged and supplemented. Opportunities for complementing and supplementing ongoing social projects and initiatives, programmes must be explored. Supplementing CSR emphasises on the sustainability of projects and programmes to ensure they remain relevant and viable even upon disengagement at the end of the project period. Every organisation explore possibilities for collaborating and co-operating with other corporations in order to synergise its efforts and increase both financial and social resources as well as outcomes and impact. Businesses may consider in supplementing even in smaller well defined CSR projects. Supplementing the CSR projects by the smaller or larger organisations matter in order to ensure optimal utilisation of the CSR budget and resources.

Per beneficiary cost reduction in CSR

Per beneficiary cost reduction and maximizing the impact while reaching more beneficiaries in CSR is key to success. Business organisations have a variety of motives for being attentive to CSR and run a CSR projects. Leaders can increase impact and reduce costs when they understand the role of Corporate Social Performance (CSP) in driving CSR Performance (CP). Business should think of reaching more people by using less money and resources. Reduction in per beneficiary cost can be achieved by the partnership, collaboration, cross learning and reuse of resources.

Knowledge management and documentation

CSR reporting practices strengthen organizations. The process of documenting and communicating CSR practices provides benefits to corporations, including the ability to formalize their position on CSR, identify organisational strengths and weaknesses, and manage stakeholder relationships and expectations. In India, any shortfall in spending in CSR shall be explained in the financial statements and the Board of Directors shall state the amount unspent and reasons for not spending that amount. As per the CSR Law, the CSR Committee of organisation shall institute a transparent monitoring mechanism for implementation of the CSR projects or programs or activities undertaken by the company.

Documentation, reporting and communication of the CSR performance in crucial to the CSR strategy.  Documentation of the CSR must be organised and structured and should be accessible. Companies can explore the new way of documentation, reporting and communications.

Use and reuse of resources for better CSR

Effective use and reuse of resources can improve the CSR performance. Awareness on use and reuse of resources among across the stakeholders can help in achieving the desired goals of CSR sustainability. Sustainable CSR can be achieved through community and beneficiaries engagement. CSR is a process oriented task.

Recycling and reuse often are the easiest places to start. CSR leaders should take the essential steps to recycle the commonly recyclable materials, and look for easy opportunities to replace disposable or recyclable items with reusable ones. CSR leaders also should look for partners to help with more challenging to recycle or exotic materials, as well as for opportunities to introduce reusable packaging. And of course, look upstream to design new idea, services and programmes.

Capacity building of the CSR workforce and re-skilling

In the fast changing world, capacity building of CSR workforce and re-skilling them are always relevant and are key to CSR performance. Human resource are fundamental requirement. CSR leaders must empower their subordinates by providing them right attitude, knowledge, information and trainings. Same time, CSR managers also be open to learn new things. Developing soft skill, professional skill, project management skill and leadership skill among CSR workforce is continuous process. Rigorous training, development and re-skilling of the CSR manners can save time, efforts and resources.

Everyone has anxiety, but chronic anxiety can interfere with the quality of life. It can also cause severe damage to our physical health. Anxiety is a normal part of life. For example, feeling anxious before entering the exam centre or a job interview. In general terms, anxiety increases breathing and heartbeat, concentrating blood flow to our brain, where we need it. If it gets too intense, however, people might start to feel lightheaded or likely to be in a state of trance. An excessive or persistent state of anxiety can have a devastating impact both on our physical and mental health. Anxiety disorder can happen at any stage of life, but they usually begin by middle age. Women are more likely to have an anxiety disorder than men. Stressful life experiences may increase risk for an anxiety disorder, too. Symptoms may begin immediately or years later. Having a serious medical condition or a substance use disorder can also lead to an anxiety disorder.

There are several types of Anxiety Disorders. They include :

Generalized Anxiety Disorder (GAD)
Generalized anxiety disorder is marked by excessive anxiety for no logical reason. GAD is diagnosed when extreme worry about a variety of things lasts six months or longer. If you have a mild case, you’re probably able to complete your normal day-to-day activities. More severe cases may have a profound impact on your life.

Social Anxiety Disorder
This disorder involves a paralyzing fear of social situations and of being judged or humiliated by others. This severe social phobia can leave one feeling ashamed and alone.

Post Traumatic Stress Disorder (PTSD)
This develops after witnessing or experiencing something traumatic. Symptoms can begin immediately or be delayed for years. Common causes include war, natural disasters, or a physical attack. PTSD episodes may be triggered without warning.

Obsessive – Compulsive Disorder (OCD)
People with OCD may feel overwhelmed with the desire to perform particular rituals (compulsions) over and over again, or experience intrusive and unwanted thoughts that can be distressing (obsessions).
Common compulsions include habitual hand-washing, counting, or checking something. Common obsessions include concerns about cleanliness, aggressive impulses, and need for symmetry.

Phobias
These include fear of tight spaces (claustrophobia), fear of heights (acrophobia), and many others. You may have a powerful urge to avoid the feared object or situation.

Panic Disorder
This causes panic attacks, spontaneous feelings of anxiety, terror, or impending doom. Physical symptoms include heart palpitations, chest pain, and shortness of breath.

Anxiety disorder can cause other symptoms, including:
• headaches
• muscle tension
• insomnia
• depression
• social isolation