The Reality of the 22000 crores rupees Loans related to Subhash Chandra NCLT case

 As soon as the news came in today's newspaper, there were many Instagram reels and other social media posts by many people claiming that the NCLT pardoned Subhash Chandra's 22000 crores rupees loan and that he only has to pay about ₹6.5 crore of the total, which is only about 0.0003X of the total.

The reels are being circulated as if there is a huge scam going on and as if the current govt is part of this allegedly big scam. 

Even the so-called head of the Cockroach Janta Party, who claims to be a Boston graduate and a voice for education reforms, seems like even he made the same claim and misunderstood the figures. Read to the bottom to understand the whole issue.

The National Company Law Tribunal (NCLT) approved a ₹6.5 crore repayment plan from Subhash Chandra's personal estate because the amount reflects the total realistic value of his currently available personal assets, and creditors holding over 80% voting share chose to accept it rather than push for a fruitless bankruptcy.

Why the Settlement is ₹6.5 Crore for a Much Larger Claim

Personal Estate Value: Under India's Insolvency and Bankruptcy Code (IBC), a personal insolvency proceeding evaluates what an individual actually owns. Assessments indicated that [Subhash Chandra's] personal net worth and assets liquidatable under the plan were valued at only a fraction of the total claims. Forcing full bankruptcy would have yielded even less for the lenders. 
Commercial Wisdom of Creditors: Creditors representing 80.81% of the voting share voted to approve the repayment plan. Under the law, the [NCLT's] role is supervisory rather than a substitute for the commercial judgment of lenders. Once a requisite majority of creditors agree that getting a small recovery now is better than a prolonged legal battle with zero outcome, the tribunal binds the dissenting minority to that decision. 
Not a Direct Corporate Loan Write-off: The massive figure of ₹22,006.57 crore does not mean [Subhash Chandra] personally pocketed or borrowed that cash. It represents cumulative claims pulled into his personal insolvency case as a guarantor for various struggling Essel/Zee group companies. [1, 2]
Primary Borrowers Remain Liable: Settling his personal guarantee liability for ₹6.5 crore does not clear the underlying corporate debts. The actual operating companies and primary borrowers remain legally responsible for the corporate loans, and lenders retain separate legal avenues to recover dues from those corporate entities and their remaining assets. [1]

Bank Account Opening while being at Home

 Hi,

Last to last year, in Feb 2021, it was still not okay to roam around public places without a mask on the nose. The Corona threat was still there and intermittent lockdowns were still happening. I needed to open a bank account, but I didn't want to visit the bank physically. I searched for the online options, and voila! I could open my savings account with HDFC Bank the nearest, to me, branch. It didn't take much time, hardly half an hour for initial Aadhar Card verification and other details, and then there was a video call for e-KYC. In the video call, they made me show my Aadhar card and PAN Card physically in hand and made me do the signature. 

This was so convenient, within a week I got my ATM Card and checkbook sent to my home. I never visited the bank physically for any purpose. My salary would get credited to my account online, and I would spend the money using the ATM card and UPI. No need to visit the bank. This saves so much time and energy. Gone are the days when I would need to stand in the long queues against bank cashiers' windows. 

This facility is now available with most of the tech advanced banks. Thanks to the new technological advances in the IT industries. 

Thanks for reading!

How Tokyo could have been Saved | Money Heist season 5 | Netflix

Tokyo becomes dead in the 5th episode of season 5 of Money Heist, and that might have left some fans with teary eyes. Nonetheless, it was very good entertainment, what do you say?

Have you thought about ways, that Tokyo could have saved herself, or maybe saved by someone else? Maybe Denver or Riyo? 

Well, there is a way that comes to my mind, I hope you are willing to know. Please let me know your views about it once you read it. 

Tokyo is quite an intelligent and physically strong character, it would have been difficult to portray a genuine story for the makers of the series, as much as it was difficult for the fans to see her die. 

If you are a fan of the series, then I would like to suggest a way in which she could have saved herself. It is shown that at the time of dying, she was carrying a number of grenades. What if she could have thrown a few of them at those oncoming killers. It would have either killed them or forced them to get out of the shield and got killed by her gun. It surely was an option, but she didn't do it. Can you tell me why? Please let me know what do you think!

Compatibility of Jamie Fraser and Claire Fraser of Outlander, On-screen and Off-screen

Hi,

Did you enjoy watching Outlander? If yes, then how much did you like the compatibility between Jamie and Claire? If you were to give a rating to the attraction or chemistry between the two, what would that number be from 1 to 10? Please do comment in the comment box. People have rated the series with an IMDB rating of 8.4 (as of 17th Sep 2021), which is quite high. How much credit of it will you give to the sexual chemistry between the two?

Sexual Chemistry between Jamie and Claire

In the first few episodes of the very first season, it looks as if Frank and Claire are quite good on the sexual chemistry level. But then suddenly everything changes when she goes back in time, almost 200 years back to the 1800s. When Jamie and Claire meet, it doesn't look as if they are very much attracted to each other, but the events brought them together. Even their marriage is a result of a certain urgency. There is nothing much romantic about it. Jamie is quite a healthy guy, and a brave man, but not someone who has very good experience with ladies. I mean, look at his previous girlfriend. How can he be in a relationship with such a lady, who is so vicious? Doesn't it tell us something about early Jamie too? Claire on the other hand comes from the future, with a lot of knowledge and excitement. Claire is quite attractive intellectually, but on the physical level, she looks older than Jamie. 

She would have gone back to the future if the circumstances were correct, but she is compelled to get married to Jamie. It seems as if she has a habit of getting herself in trouble, always acting beyond her abilities and reasons. That is why I believe her to be quite annoying, and the reason why I almost left watching Outlander. The unnecessary sex scenes between Jamie and Claire are quite a trouble to watch sometimes. I think what keeps them both together for such a long time is their honesty with each other, and the events in their lives which could not have happened in a real person's life.

Astrological Compatibility between Jamie and Claire

If we talk about the Astrological compatibility between Jamie and Claire we must know their birthdates first. As per Express, in the first season, Claire is 26 years old with a birthdate of Oct 20, 1918, while Jamie was 23 years old with a birthday on May 1, 1721. Claire has a Sun sign of Libra ( almost in cusp with Scorpio) while Jamie is a Taurus. These two signs are not quite compatible with each other. It would have been better if Claire was born almost a week later, after Oct 21st, so that she was a Scorpio. A look at the complete chart would have given a better understanding, but for that, we need the exact timings of their birth. However, everything doesn't depend on the reel life astrological charts, one has to look at the real-life birth dates of the actors. No matter how good an actor is, their on-screen chemistry largely depends upon the off-screen chemistry.

Astrological Compatibility between Sam Heughan (Jamie) and Catriona Balfe (Claire)

As per the Google search results, Sam is born on 30th April 1980, and Catriona is born on 4th Oct 1979. Hence Jamie is a Taurus, and Catriona is a Libra. These are the same signs which they have in their reel life, and we know that they are not quite compatible when we consider the Sun signs only.

Password for eAadhaar Card password protected file

Greetings!

Have you ever downloaded the eAadhaar card from the website "eaadhaar.uidai.gov.in" and then got stuck when you tried to open this pDf file of your card?

It happened to me today, and after searching the internet for getting the right answer, I found that there are some misleading informations available, which make you to download some softwares etc.

The right password for opening up the password protected file of your e-Aadhaar card is the a 6 digit number-pin code of your area. The same pin code which you have mentioned in your permanent address in your card, it has to be put into the password box, and your pDf file will get open.

Thanks for your kind visit!

Statehood days of States of Republic Of India

After the formation of the Union of India on 15th August 1947, the formation of the states didn't took place on the same day, some of them were formed before the independence and others were formed after it.
 Here is the list of the dates of establishment of all current 29 states and Union Territories of Republic of India.

             STATE                            Established(Formation)/STATEHOOD DAY

1. Arunachal Pradesh                             Feb 20, 1987
2. Andhra Pradesh           -1st Oct 1953(Formation); 2nd June 2014(Re-organisation)
3. Assam                    -1912 (Assam province- British India), 15th Aug 1947(Independent)
4. Bihar                         - 1912(As Bihar - Orissa province), 1936 - Bihar
5. Chhattisgarh                                         - 1st Nov 2000
6. Goa                                                     - 30th May, 1987
7. Gujarat                                                 - 1st May, 1960
8. Himachal Pradesh                                 - Jan 25, 1971
9. Haryana                                                - 1st Nov. 1966
10. Jammu & Kashmir                                  - 26th Oct 1947
11. Jharkhand                                              - 15th Nov, 2000
12. Karnataka                                              - 1st Nov. 1956
13. Kerala                                                   - 1st Nov. 1956
14. Madhya Pradesh                                    - 1st Nov. 1956
15. Maharashtra                                          - 1st May 1960
16. Manipur                                                - 21 Jan, 1972
17. Meghalaya                                            - 21 Jan, 1972
18. Mizoram                                              - 20th Feb 1987
19. Nagaland                                              - 1st Dec, 1963
20. Orissa                                                  - 1st April, 1936
21. Punjab                                                 - 1st Nov. 1966
22. Rajasthan                                             - 1st Nov. 1956
23. Sikkim                                                 - 16th May, 1975
24. Tamil Nadu                                          - 26th Jan 1950
25. Telangana                                            -2nd June 2014
26. Tripura                                                - 21 Jan, 1972
27. Uttar Pradesh                                       - 1805
28. Uttarakhand                                        - 9th Nov, 2000
29. West Bengal                                       - 1st Nov 1956

There are 7 union territories, which are governed directly by Central Govt. (union Govt.) with 2 exceptions which has partial statehood statuses.

        Union Territory                   Establishment Date

1. Andaman and Nicobar          - 1st Nov 1956
2. Chandigarh                          - 1st Nov, 1966
3. Dadra and Nagar Haveli       -  11th Aug, 1961
4. Daman and Diu                   - 30th May, 1987
5. Delhi              - 1857(Incorporated), 1911 (Capital Formation), 1st Feb 1992(Established)
6. Lakshadweep                       - 1st Nov, 1956
7. Puducherry (Pondicherry)     - 7th Jan, 1963

Thanks for your kind visit!

Do you need a cure for Facebook addiction?

Hi,
Today, I am going to pour my heart into this post about Facebook. All through these days There are people who love Facebook for every reason but, I have talked to such people also who find this useless. Many people share the same thought that Facebook is a useless thing and kills their time.

Now the surprising thing is that more you talk about this useless thing, more often you start signing in. I mean we spend more time in Facebook than what is really required.  I was wondering what makes us to do so. Here is a short explanation which I managed to get from my psychological analysis. This will surely help you to come over it.

Everyone knows that Facebook has become an addiction for so many. Don't you want to know why? If you are one of the Facebook addicts, if Facebook is consuming your social and professional and including the personal life, you need a psychological cure.

 I think the main reason behind this addiction is that Facebook does not give us a "dislike' button. You are forced to not to "dislike" anything here.

Many people may not like this post but, you can't dislike it. There is not button for you. Of course you can comment about your 'dislike' but, generally there are so many posts coming into a person's timeline that there is nobody have the time to read your comment. So, your comment will get less attention but, the 'likes' will get the first attention.

I think that is the main psychological force acting into our psych, forcing us to like more and more. No "dislikes"!
When you post something even if there is no like at-least there is no 'dislike'.

Knowing that now calculate the amount of good knowledge that you gathered or learned after spending 12 hours a day on Facebook. Do this analysis for yourself. I know you will not do that even after reading the above line.
Now put some more pressure into your head and when it gets straight you will do the analysis. You will find that you learn nothing in Facebook except a constant emotional drain.

Once you have realized it, now you need to know the procedure for the cure. Please go through this article on Wikihow: http://www.wikihow.com/Defeat-a-Facebook-Addiction

This will help you some more.

Thank you for your time.

P.S. please comment your views on the comment box.