SBI MUTUAL FUNDS

Give your money the power to protect itself and an opportunity to grow. Invest in SBI Capital Protection Oriented Fund-Series II.

In the SBI Pursuit to invest SBI hard earned money, they are often faced with an investment dilemma that forces us to choose between capital protection and growth. Traditional investment avenues often tend to be safe, but with safety wouldn’t you like your money to give better returns? SBI Mutual fund understands your need and they therefore bring to you a unique fund of SBI capital protection oriented fund – Series II. The funds portfolio is structured in such a way that is oriented towards protection of the capital. However, there is no bank guarantee, insurance cover, etc., for the same. This specially designated fund gives your money an opportunity to grow besides protecting the capital.

What is SBI Capital Protection Oriented Fund – Series II :
SBI Capital Protection Oriented fund – Series II is a 5 year close ended fund which will invest predominantly in debt and debt related instruments and money market instruments with an option of investing upto 26% in equity and equity related instruments including derivatives. On one hand, the portfolio will be dominated by investment in G secs and AAA/P1+ or equivalent rated securities, and on the other hand it has the option to invest option 26% in equity assets which will help the fund to participate in the growth too, beyond conserving the capital.
SBI capital protection oriented fund – Series II can thus capture the best of both the worlds that is equity and Debt while endeavoring for capital protection.

Fund Facts :
A 5 year close ended capital protection Oriented Fund.
NFO closes on March 04, 2011.
Minimum investment : Rs.5000 and in multiples of Rs.1 thereafter.
Benchmark – CRISIL MIP blended index.
The fund will be listed on BSE.

Investment Strategy :
Debt Investments in debt will be in Government Securities and securities rated AAA. Since the investors to be targeted in this scheme may be risk averse, the underlying investment strategy should seek to blend the risk return parameters with capital protection. The scheme will invest in fixed rate debt instruments only. Investments in debt securities in the scheme will be limited to those having maturities not exceeding the residual maturity of the scheme. The residual maturity of instruments in which investment is made can never exceed the residual maturity of the scheme.

Equity Investments : will be in stocks listed on NSE and BSE having a market cap equal to higher than the market cap of the least market capitalized stock of the BSE 100 index. To provide diversification benefits to the overall portfolio, equity component will have a maximum exposure to a single stock not exceeding 10% of the overall portfolio at the time of investment. The scheme shall not invest more than 20% of portfolio in securities rated by ICRA which is the rating agency of the portfolio. The cap excludes securities like PSU Bonds, Govt. Securities. The fund manager shall not invest in securities which have a yield of more that 100 bps over the yield of AAA securities as per CRISIL/ICRA matrix at the time of investment.

Why invest in SBI capital protection oriented fund – Series II?
1. Quality Debt Portofolio – Investment only in G Secs and AAA/A1+ or equivalent rated securities.
2. Growth Potential – Equity asset class will be actively managed through investments in stocks listed on NSE and BSE having a market capitalization equal to or higher than the market capitalization of the least market capitalized stock of the BSE 100 Index.
3. Tax Efficiency – Avail indexation benefits and better post tax returns. Long term capital gains will be taxed @ 20% (plus surcharge & cess) with indexation benefit or 10% (plus surcharge and cess) without indexation benefit, whichever is beneficial to the investor.
4. Rated mfAAA (SO) by ICRA the rating indicates highest degree of certainty regarding payment of face value of investment to unit holders on maturity.

Suitable for :
Investors with low to medium risk profile.
High net worth individuals.
PF, trusts etc. looking to invest in equity markets but requires capital protection as well.
First time mutual fund investors who would like to enjoy the debt returns with an additional equity upside.
Investors who prefer to invest a significant part of their saving in relatively safe instruments like bank fixed deposits, PPF and NSC.

Name of Scheme : SBI Capital Protection Oriented Fund Series II
Type of Scheme : A five year close ended capital protection oriented fund.
Investment Objective : The primary objective of the scheme.
Minimum investment size : Rs.5000
Entry Load : NA
Exit Load : Nil
Terms of Issue : The units issued under the scheme shall not be repurchased before the end of the maturity period.

If you want to buy this policy please contact your nearest SBI Bank or login to www.sbimf.com, call 18004255425 toll free, SMS Capital to 56161.

BVI Gulbarga Club March-2011 Project

Work shop is conducted by
BHAVASAR VISION INDIA GULBARGA AREA – 103
AT SHRI YALLAMMA TEMPLE, BHAVASAR BHAVAN,
TANK BOND ROAD, GULBARGA.

In March 2011 month done the project that is Free Blood Donation camp program in Ghanate Mental Health Centre, Gulbarga.

GUEST: Dr. S.S. Devarmani, Chairman of Blood Bank in Basaveshwar Hospital, Gulbarga.

Blood Donation Camp started with Gayatri Mantra :
“Om Bhur Bhuraswaha Tatsaviturvarenyam
Bragudevasyaha Diyo Yonaha Prachodayat”

Work shop started at 11.00 AM to 2.00 PM. Every medical items are arranged from Blood Bank, Basaveshwar Hospital, Gulbarga.

Sri. Dr.S.S. Devarmani was congratulate to all of us for had a blood donation camp. Bhavsar Vision India, Gulbarga Club before this camp we are published in all local papers invitation for blood donation camp. Then the chief guest speaker suggested the following points are below :-
1. Don’t worry for blood donation.
2. 20 to 45 aged persons are able to donate the his blood.
3. after blood donation take rest and take light Tiffin.

Blood donation camp conducted on 13-3-2011 at Ghanate Mental Health Centre, All members of Bhavsar Kshatriya Samaj are invited through circulation and more than 35 members are attended and 15 members are voluntarily came forward and donate the blood. The camp was organized by jointly Bhavsar Vision India, Gulbarga Club B.K.S. Youth organization, Mahila Mandal and Ghanate Mental Health Centre. The project was appreciated by all the members. In fifteen members one of the shocking incident done that is one lady will donated the blood.

Finally completed the Bhavsar Vision India, Blood Donation Camp program.

After the Blood donation camp all the Board of Directors are sing a song that is our national anthem.

After the National Anthem, High tea and Tiffin for donors was arranged for board of directors and other donors.

ASTROLOGY VENUS IN TWELVE HOUSES

The planets exert a great deal of energy in the house in which they are physically located in the birth chart. This energy is directed toward the function of the house. The planets modify the tone of affairs told by the sign on the cusp of the house. Planets represent action in the horoscope, and the house in which the planet resides is the home of the action in question. Thus, having several planets in one house can make the entanglements of that house very complex and often more significant in the life.

To set the placement of the Venus, other planets in your chart you must have already obtained a copy of your chart and become familiar with the symbols of each planet. If you haven't obtained a free copy of your personal horoscope. Please contact to mr.nagaraj mail : nagraj.jeevangi@gmail.com or rajesharvindz@yahoo.com for FREE horoscope.

Here are readings Venus, other planets in each of the twelve houses of the horoscope:

Here's a little more on planets in houses in case you aren't totally confused already. When you purchase a computer reading of your horoscope, the reading you will get regarding each planet in the houses will surely be the precise house in which the planet is located. However, when you look at your chart, there may be a few instances when this should come into question. Suppose, for example, that the Ascendant in a chart is at the 15th degree in Libra, and that Jupiter was positioned at the 13th degree in Libra. That would place Jupiter in the 12th house, right? That's what the computer would say, but many thoughtful astrologers would read this as Jupiter being in conjunction with the Ascendant, and end up reading it as bringing its action to bear in the first house, rather than in the 12th.

This same idea would apply for each and every house cusp. If the planet is IN THE SAME SIGN as the sign on the next house cusp, and close enough to be considered IN CONJUNCTION WITH that next house cusp, the action of the planet will most likely be directed into the oncoming house. In these cases, I might modify my reading to say "Jupiter is in conjunction with the Ascendant (or 5th house cusp, as the case may be), rather than saying "Jupiter is in the xxx house...." In other words, I would consider the "planets in houses" readings as suitable to delineate the conjunction of a planet with the Ascendant or with any other house cusp.

VENUS IN THE TWELVE HOUSES
Venus' house placement shows how you express yourself socially, romantically, and artistically, in the different areas of the life circle. Venus brings a sense of harmony, refinement, and aesthetic taste to the house it occupies.

First House
Venus near the Ascendant suggests the help that Venus provides is apt to be most noticeable in your personality and in the way you relate to others. This suggests you possess a generous portion of personal grace, a pleasing manner, and a normally friendly demeanor. The effect of this placement helps you become more socially outgoing and you have a generally happy outlook on life. Your personality strives to develop friendships and relationships. This is a considerable advantage to you in business and social contacts. You appreciate the good things in life, and you expect them. You may have to guard against a degree of vanity in your makeup.

Second House
Venus here suggests that this planet is closely associated with your security and your material ideas. You have a love of wealth and the personal adornments it affords, and you probably have much good fortune when it comes to obtaining many of the better things in life. You are very much interested in making a lot of money, if only for the social status it provides. The placement denotes talent in business and a definite ability to make money. The Venus association with artistic endeavors suggests that if you are artistically inclined, you may stand a good chance of making money from your art. Sometimes it also suggests an extravagance that may be offset by the material advantages that you obtain.

Third House
Venus in the third house suggests a good deal of harmony in your early schooling and learning environment. This is an indication of intellectual interests in artistic and cultural pursuits. Your early years were pleasant and easy, and you may have developed talents in art or music, or at least been given an opportunity to do so. Artistic and creative, you are probably an excellent writer. You get along well with those in your family, because you don't like to argue. You operate through persuasion, never through pressure, and the gift of compromise seems to come naturally to you. You are a socially active person.

Fourth House
This placement shows a potential happy homebody, or at least one to whom a happy home is an ideal. You are emotionally attached to your home and the domestic scene. You take great pride in your home, and you seem to enjoy seeing to it that your surroundings are artistically decorated to the extent that your means can afford. There is a strong connection to the land, and this may include a patriotic love of your homeland. There is a closeness between yourself and your parents that is very beneficial to you.

Fifth House
Venus in the fifth house produces an attractiveness to the opposite sex, a very appealing romantic nature, and a general love of life. You are popular and well liked. This Venus position gives a deep love of children, and you should make an excellent parent or child advocate. You are likely to gain through dealings with young people in some form of service or occupation; teaching, psychologist, etc. Creative talent in the performing arts is often associated with this placement.

Sixth House
This placement suggests social activities and romantic involvement associated with the work that you do. There also may be an emotional attachment to work. In any event, the work environment is harmonious and pleasant. This placement often points to an occupation dealing with people such as mediators, agents, arbitrators or in about any job dealing with women. Venus has a decidedly artistic inclination that may inspire the choice of work.

Seventh House
This placement normally shows social abilities, and usually, a happy marriage. Most relationships are harmonious and friendly. Marriage and friends are very important to you, and you contribute more than your part toward the success of relationships. Marriage usually produces prosperity. The position is favorable in (although not indicative of) careers involving dealings with people, such as psychology, sales and public relations.

Eighth House
This placement predicts financial gain through marriage, other partnerships, or social relations. Frequently, this position of Venus is associated with an inheritance. Sometimes, marriage is motivated by the prospects of financial gain. Usually, the placement increases the degree of possessiveness and jealousy existing in the relationship. In this house, financial affairs are joint in nature, or coming from other than one's own efforts. Venus here often smooths the way in this regard. Its presence can produce a degree of inertia or laziness, simply because of the ease with which success occurs.

Ninth House
Venus in the ninth house makes this planet closely associated with the affairs of this sector of higher learning, travel, and philosophical thinking. This placement shows that pleasure is derived from study of philosophy, religion, and art. You are an intuitive person and you appreciate many of the finer things in life. A ninth house Venus suggests lengthy pleasure trips, which may provide the opportunity for important social contacts and romantic encounters. Strong attachments may develop with persons from foreign countries, different races, cultures, or religions.

Tenth House
This placement suggests that this Venus is very much involved with your career outlook, and the projection of an image to world at large. It may result in marriage for obtaining status and recognition. Careers often follow a path toward the arts, diplomacy, fashion, beauty, or the entertainment fields. There is a deliberate cultivation of the personality to enhance career opportunities. This is a favorable position for a speaking or singing voice that can gain public attention.

Eleventh House
Venus in the eleventh house suggests success is gotten though the benefits gained by association with friends and social contacts. Socially, you are generally successful, with the knack for putting guests at ease, the tact in catering to diverse needs and the development of group activities. Most of your goals in life will be achieved because of a natural talent for operating effectively within a social order. Many of your friends may possess artistic talents.

Twelfth House
This placement shows a love of secretiveness and solitude. You have this introspective side, and need a certain amount of time to yourself. You are somewhat socially shy, causing a degree of loneliness or perhaps romantic frustration. Your emotions are subconsciously controlled, but very strong. This position usually produces a significant degree of compassion for the downtrodden or any of the less fortunate.

If you want your FREE horoscope or know your future contact to mr.nagaraj mail : nagraj.jeevangi@gmail.com or rajesharvindz@yahoo.com.
Name : Date of Birth : Time of Birth : Place of Birth :

TAX RELIEF FOR INDIVIDUALS OR RULES

Tax relief for individuals, inflation 'a concern
As he had highlighted in the Economic Survey tabled in Parliament, Finance Minister Sri Pranab Mukherjee while presenting the Union Budget on growth in 2010-11 has been broad-based but inflation continues to remain a concern.

Finance minister however exuded confidence that the RBI's monetary policy would lead to moderation in inflation in the coming months. Finance minister also put emphasis on increasing agricultural productivity to curb food inflation.
The Finance Minister did not disappoint individual tax payers either and raised the threshold income tax limit to Rs. 1.8 lakh from the present Rs. 1.6 lakh. This now becomes uniform for both men and women.
He brought down the eligibility age for senior citizen's tax exemption to 60 years from 65. Also announced that exemption for senior citizens would be Rs.2.5 lakh from the present Rs. 2.4 lakh.
He also announced a special category of tax-paying senior citizens. Those 80 or above would get an exemption of Rs. 5 lakh. Last year had been a remarkable financial year and that the Indian economy was expected to grow steadily at 9 to 10 per cent.

Highlights of the Budget
No filing of tax returns if salary is only income
New Delhi: In a big relief from cumbersome tax filing process for the salaried class, Finance Minister Pranab Mukherjee today proposed to exempt them from filing tax returns unless they have other sources of income.
The government will be issuing a notification exempting ''classes of persons'' from the requirement of furnishing income tax returns, said the Memorandum to the Finance Bill 2011.
The decision, which will come into effect from June 1, 2011, will reduce the compliance burden on small taxpayers, it added.

Salaried taxpayers who do not have other sources of income and whose incomes are subject to Tax Deduction at Source (TDS) will be excluded from filing returns.

Therefore, in cases where there is no other source of income, filing of a return is duplication of existing information. Every person whose income exceeds the taxable limit is required to file return of income.

There was no hike in the prices of daily use items as well as air conditioners and mobiles this was the general reaction to the union budget by most housewives already battling high food prices. But some are sore over increased taxes on branded clothes and jewellery.
Milk, vegetables and other consumer items are already on the rise. Thankfully, there was no rise this year.
It's also important to see the finance minister take note of housewives, after the corporate sector and tax payers' needs. We are the real recipients of the effects of any inflation that takes place in daily consumer goods.
According to the union budget, items including low-end housing loans, diapers and sanitary napkins, homeopathic medicines, agarbattis, pistachio, and raw silk materials have become cheaper.
We are relieved that prices of essential household commodities have not gone up. Moreover, as the summers are fast approaching the slashing of prices of air conditioners is good news.
However, not all homemakers are happy as many found the hike in prices of branded jewellery and clothing uncalled for.
This is something all women should oppose, and not just housewives.
The inflation is so much, we think twice before buying anything, and now with this hike we will have to think many times before going for shopping. Some were upset that meals at air conditioned restaurants serving liquor will be dearer.
Almost all good restaurants serve liquor and they are family restaurants, so the hike simply means every meal out will be costlier. The best thing about the budget is that legal services will be expensive, we may expect lesser divorces now. Consumer durables like TV, fridge, washing machines did not witness any hike or decrease in prices.

ASTROLOGY SATURN IN TWELVE HOUSES

The planets exert a great deal of energy in the house in which they are physically located in the birth chart. This energy is directed toward the function of the house. The planets modify the tone of affairs told by the sign on the cusp of the house. Planets represent action in the horoscope, and the house in which the planet resides is the home of the action in question. Thus, having several planets in one house can make the entanglements of that house very complex and often more significant in the life.

To set the placement of the Saturn, other planets in your chart you must have already obtained a copy of your chart and become familiar with the symbols of each planet. If you haven't obtained a free copy of your personal horoscope. Please contact to mr.nagaraj mail : nagraj.jeevangi@gmail.com for FREE horoscope.

Here are readings Saturn, other planets in each of the twelve houses of the horoscope:

Here's a little more on planets in houses in case you aren't totally confused already. When you purchase a computer reading of your horoscope, the reading you will get regarding each planet in the houses will surely be the precise house in which the planet is located. However, when you look at your chart, there may be a few instances when this should come into question. Suppose, for example, that the Ascendant in a chart is at the 15th degree in Libra, and that Jupiter was positioned at the 13th degree in Libra. That would place Jupiter in the 12th house, right? That's what the computer would say, but many thoughtful astrologers would read this as Jupiter being in conjunction with the Ascendant, and end up reading it as bringing its action to bear in the first house, rather than in the 12th.

This same idea would apply for each and every house cusp. If the planet is IN THE SAME SIGN as the sign on the next house cusp, and close enough to be considered IN CONJUNCTION WITH that next house cusp, the action of the planet will most likely be directed into the oncoming house. In these cases, I might modify my reading to say "Jupiter is in conjunction with the Ascendant (or 5th house cusp, as the case may be), rather than saying "Jupiter is in the xxx house...." In other words, I would consider the "planets in houses" readings as suitable to delineate the conjunction of a planet with the Ascendant or with any other house cusp.

SATURN IN THE TWELVE HOUSES
Saturn's place in the chart highlights the area in which you are likely to shoulder heavy responsibilities and encounter obstacles. Saturn is the planet of restrictions and limitations, and its position marks the spot where difficult challenges will be met. This is the house in which your management abilities will be tested.

First House
Saturn is positioned in your first house, so it too becomes an important element of your personality. This placement suggests a conservative slant in your personality. You project a certain stiffness, seriousness, and determination reflected in your presentation of yourself to the world. You can become somewhat of a law unto oneself, trying to dominate others with whom you come in contact. Your disposition is serious and resolute making it hard for you ever to relax and have a good time. You are highly self-disciplined, but prone to depression at times. You have to deal with a very sharp conflict in your nature imposed by Saturn, as your demeanor can be a cover up for a shyness or an inferiority complex. Your personality is more restricted than may have been suggested by the Rising sign or by the Sun and Moon placements. This planet adds much stability to your nature, a serious side, if you will. A solid sense of self-worth may be slow to develop.

Second House
Saturn positioned in the second house of financial and material affairs denotes a good deal of ambition and hard work associated with accumulating material security. You are shrewd in business and always get your money's worth. The urge to conserve is accented, and you are very practical about saving for that rainy day. Some with this placement are down right miserly. Although financial security is a difficult goal to achieve, and it is likely to meet with many delays and obstacles.

Third House
Saturn positioned in the third house of mental processes and communication denotes mental discipline and practicality. Yet it often produces feeling of inadequacy and mental depression. Ideas are practical, and judged based on their usefulness and substance. Speech is deliberate and usually well considered. You are naturally cautious in legal matters and the signing of contractual documents. You may have experienced difficulties or delays in obtaining your education, and your early years of learning and life may have been particularly difficult. You tell the truth and have a firm sense of right and wrong.

Fourth House
Saturn positioned in the fourth house relates to the base of operation; the home environment. This placement denotes heavy responsibilities incurred though family affairs and the home. In this environment, you may have the sole task of disciplinarian or supporting factor. You have an ingrained dislike for change, perhaps prompted by a real fear of the unknown and the untested. You have a strong concern for your security, and you take conservative actions to insure that you are provided for later on. You cling to the past and to your roots. Yet you will probably be happier away from your place of birth.

Fifth House
Saturn positioned in the fifth house is associated with the romantic nature, creativeness and offspring. This placement denotes that you are person who finds it hard to just relax and enjoy yourself. Romances are serious business for you, but they can produce more pain than pleasure. Your romantic partners are likely to be older than you. Obligation is attached to your romances. The rearing of offspring may be difficult for you in various ways. Financial speculations will be entered with caution to avoid losses. Personal self-expression reflects a serious tone, and you find your best outlets in business management and politics. If you have creative talents, this placement will make it very difficult for you to express them or will delay the time when you become recognized for your talents.

Sixth House
Saturn in the sixth house and associated with work and health issues denotes that you are conscientious and dutiful, even when obliged to work at dull chores. Indeed this may often be the case. At work you can handle minute details for long periods of time. You take your job very seriously. Often, you are expected to handle the heaviest of responsibilities. Worry and overwork are common with this position. Unfortunately, opportunities for advancement are slow to come about. Health matters may be a constant concern. Some with this position suffer from hypochondria.

Seventh House
Saturn in the seventh house of marriage and partnerships denotes a very cautious approach to marriage and the likelihood that marriage will be delayed. You are a very stable partner. When the marriage is finally made, it will endure, though in all aspects it may not be totally happy. Your mate may be an older person, or a somewhat serious and sober individual. Partnerships, including marriage, are restrictive to you, but you accept circumstances for better or for worse.

Eighth House
Saturn in the eighth house of joint finances and sexual affairs denotes very strict and restrained attitudes regarding sex and money. It suggests financial difficulties relating to joint funds of the business partner or the marital partner. With a Saturn influence in the eighth house, financial responsibilities or obligations are very apt to weigh heavily upon you. You are likely accountable for the holdings of others, as well as your own.

Ninth House
Saturn in the ninth house of higher education, philosophy, religion and travel denotes a stable and practical philosophy of life. The placement explains the chief reason that you are probably not one who can easily accept concepts such as astrology. You are highly orthodox in religion, education, and business. You hold to both the letter and spirit of the law. You are very exacting and focused, possessing very strong administrative skills, especially in the fields of religion, education, publishing, or the law. You are likely to be politically conservative.

Tenth House
Saturn in the tenth house of the career and of public acclaim denotes strong career or status needs, and the drive to achieve success in a profession. This is especially true after the first transit of Saturn that occurs in the 29th year. This position gives farsighted organizational and managerial ability, with the quest for authority and power. This placement sometimes creates a Napoleonic complex or dictatorial attitudes.

Eleventh House
Saturn in the eleventh house of hopes and wishes, friends and associations makes goals and ambitions hard to obtain. Yet it bestows much patience and willingness to work. Your circle of friends may be wide, but few are intimate. Many of your friends may be older than yourself. Heavy demands may be placed on you by your friends, acquaintances, or by associations to which you belong.

Twelfth House
Saturn in the twelfth house of the subconscious mind and hidden problems denotes work behind the scenes, usually in large institutions. It is hard to achieve the recognition that may become due. There is a subconscious need to retreat, and a craving for work in solitude. Subtle subconscious doubts may affect your self-confidence. Often much loneliness is shown by this placement.

If you want your FREE horoscope or know your future contact to mr.nagaraj mail : nagraj.jeevangi@gmail.com.
Name : Date of Birth : Time of Birth : Place of Birth :

NATIONAL SONG (INDIA)

India’s National Song :
Writer of our India’s National Song Sri.Bankim Chandra Chatterji. The song Vande Mataram composed by Sri.Bankim Chandra Chatterji has an equal status with Jana-Gana-Mana. The first political occasion when it was sung was the 1896 session of the INC.

“Vande Mataram,
Sujalam, Suphalam, Malayaja Shitalam,
Shasyashyamalam, Mataram !
Shubhrajyothsna pulakitayaminim,
Phullakusumita drumadala shobhinim,
Suhasinim sumadhura bhashinim, Sukadam Varadam, Mataram!”.

English translation of the stanza rendered by Sri Aurobindo in Birth Centenary Library Popular Edition 1972.
I bow to thee, Mother,
richly watered, richly fruited,
cool with the winds of the south,
dark with the crops of the harvests,
The Mother !
Her nights rejoicing in the glory of the moonlight,
Her lands clothed beautifully with her trees in flowering bloom, sweet of laughter, sweet speech,
The mother, giver of boons, giver of bliss.

NATIONAL ANTHEM OR MEANING OF ANTHEM

India’s National Anthem
Writer of India’s National Anthem is Sri.Rabindranath Tagore. Sri.Rabindranath Tagore’s song Jana Gana Mana was adopted by the Constituent Assembly as the National Anthem of India on 24th January, 1950 and gave Vande Mataram the National song equal honour. It was first sung on 27th December 1911 at the Calcutta session of the INC. The first stanza of the song forms the National Anthem. Playing time of the full version of the national anthem is approximately for 52 seconds. A shorter version consisting of the first and last lines of the stanza takes 20 seconds to play and it is played only on certain occasions.

“Jana Gana Mana Adhinayaka Jaya he
Bharata Bhagya Vidhata
Punjaba Sindhu Gujarata Maratha
Dravida Utkala Banga
Vidhya Himachala Yamuna Ganga
Uchchhala Jaladhi Taranga
Tava Subha Name Jage
Tava Subha Asisa Mage
Gahe Tava Jaya Gatha
Jana Gana Mangala Dayaka
Jaya He Bharata Bhagya Vidhata
Jaya He, Jaya He, Jaya He
Jaya Jaya Jaya, Jaya he”.


English Rendering of The Stanza :
Thou art the ruler of the minds of all people,
Dispenser of India’s destiny.
Thy name rouses the hearts of the Punjab,
Sind, Gujarat and Maratha,
of the Dravid and Orissa and Bengal.
It echoes in the hills of the Vindhyas and
Himalayas, mingles in the music of the
Jamuna and the Ganges and is chanted by
the waves of the Indian Sea.
They pray for the blessings and sing thy praise.
The saving of all people waits in thy hand,
Thou dispenser of India’s destiny, Victory,
Victory, Victory to thee.

When this one national anthem leasned or sing i proud my self because i am a INDIAN.

ASTROLOGY MOON IN TWELVE HOUSES

The planets exert a great deal of energy in the house in which they are physically located in the birth chart. This energy is directed toward the function of the house. The planets modify the tone of affairs told by the sign on the cusp of the house. Planets represent action in the horoscope, and the house in which the planet resides is the home of the action in question. Thus, having several planets in one house can make the entanglements of that house very complex and often more significant in the life.

To set the placement of the Moon, other planets in your chart you must have already obtained a copy of your chart and become familiar with the symbols of each planet. If you haven't obtained a free copy of your personal horoscope. Please contact to mr.nagaraj mail : nagraj.jeevangi@gmail.com or rajesharvindz@yahoo.com for FREE horoscope.

Here are readings Moon, other planets in each of the twelve houses of the horoscope:

Here's a little more on planets in houses in case you aren't totally confused already. When you purchase a computer reading of your horoscope, the reading you will get regarding each planet in the houses will surely be the precise house in which the planet is located. However, when you look at your chart, there may be a few instances when this should come into question. Suppose, for example, that the Ascendant in a chart is at the 15th degree in Libra, and that Jupiter was positioned at the 13th degree in Libra. That would place Jupiter in the 12th house, right? That's what the computer would say, but many thoughtful astrologers would read this as Jupiter being in conjunction with the Ascendant, and end up reading it as bringing its action to bear in the first house, rather than in the 12th.
This same idea would apply for each and every house cusp. If the planet is IN THE SAME SIGN as the sign on the next house cusp, and close enough to be considered IN CONJUNCTION WITH that next house cusp, the action of the planet will most likely be directed into the oncoming house. In these cases, I might modify my reading to say "Jupiter is in conjunction with the Ascendant (or 5th house cusp, as the case may be), rather than saying "Jupiter is in the xxx house...." In other words, I would consider the "planets in houses" readings as suitable to delineate the conjunction of a planet with the Ascendant or with any other house cusp.

MOON IN THE TWELVE HOUSES
The house in which the Moon is placed at birth is the sector that feelings and emotions will be most apparent. It's here you react unconsciously, and as you have been conditioned in your upbringing. Often this placement will give some clue about the activity that occurs on the domestic scene.

The Moon in your chart :
First house
The Moon in your first house suggests that your feelings are hypersensitive and play a significant role in the definition of your personality. This is a personality that is very malleable. You make easy and quick adjustments to the demands of the moment. It's hard for you to be sure just what to do, because you are continuously in a restless state. It's also hard for you to make long-range plans because of the fluctuations in feelings. Frequent mood changes mark your personality. If you are not busy revising your goals and objectives, you are probably procrastinating and unsure about what you want to do and where you want to go. You are both sensitive and responsive to public opinion, so you are easily influenced by those around you.

Second house
The Moon placed in the second house indicates periodic changes in the conditions of your finances. Money and material possessions are important to you for the emotional security they bring. Because of this, you are especially shrewd and acquisitive. Your emotional well-being, in general, is dependent on material comfort. Emotional insecurity is amplified when any problems with finances are experienced, and this can have a strong impact on domestic affairs.

Third house
The Moon in the third house projects its influence by giving a studious temperament, especially relating to history, archeology and subjects generally dealing with the past. There is a strong intellectual curiosity and an emotional need for continual mental growth. You have a good memory; your mind is filled with a huge variety of miscellaneous details and facts. You find it difficult to handle routine or dull jobs because you must be moving about and keeping your mind occupied. You are frequently prone to daydreaming and fantasy.

Fourth house
The Moon in the fourth house produces strong ties to the home, to include not only where you now call home, but more generally, the early life home, the homeland, nature and the outdoors. You may have a strong need to feel a sense of continuity with the good things from the past. There is potential interest in antiques, old houses and genealogy. Parental influences are, or may have been, very strong. The position reflects a side of your nature which wishes to be insulated from reality, and one that has very strong subjective tendencies and even insecurities. You have a very definite need for stable and dependable personal roots.

Fifth house
The Moon in the fifth house makes you emotionally in touch with your personal creativity. This placement often produces an individual who is very impressionable, so you may need to be rather cautious regarding advice you receive on investments and risk-taking. The concept of security is very strong in your nature and you are particularly slow to let your children go out on their own and become independent. Your attachment to your children tends to be very much emotionally based. There is also apt to be a lot of emotions involved in your romantic relationships, so you may find it hard to break off bad relationships.

Sixth house
The Moon in this sixth house suggests that you are the type of person who can be depended upon to provide a variety of services to those around you. If things need improving, editing, refining or reforming, you will be the one to give suggestions and follow through with personal effort to get the job done. You have a very restless nature and you're apt to make a number of job changes in your lifetime. You're a worrier, and you are better off in a situation that doesn't produce excesses of emotional tension.

Seventh house
The Moon in your seventh house projects its influence by presenting the gift of popularity and the ability to fit in just about anywhere. You know how to react to the subtle ambiance of a situation and you often establish a rapport with those to whom you come in contact. There is a strong desire for social acceptance, and because of your emotional dependency, you may marry early. You can never be a "lone wolf" type. Marriage may be taken on to obtain a sense of domestic security, with the family background and social standing of the partner being a prime factor of consideration. You attract a partner who is moody and sensitive, but before marriage there is likely to be a great deal of indecision regarding a permanent relationship.

Eighth house
The Moon in the eighth house projects its influence by emphasizing the feeling that security is of the utmost importance. You have a saving instinct for the future, almost to the extent of self-denial. You have a strong sense of duty and obligation to others. It is not unlikely that you might become a part of some movement or cause dedicated to the improvement or uplifting of people en masse. You are very sensitive to social currents and social demands. In some instances, this position may indicate one who can or does manipulate money from others. Often it signifies the likelihood of inheriting money.

Ninth house
The Moon in this ninth house giving you a very receptive and imaginative mind. You're a dreamer and a thinker, and many of your ideas provoke change to the status quo. Your beliefs are strong and sincere, but nonetheless, you frequently change your mind. You have a variety of interests and hobbies and you enjoy imparting the knowledge you have accumulated on these subjects to others. There is an innate purposefulness in this placement which makes you want to guide and direct those less enlightened than yourself.

Tenth house
The Moon in this tenth house giving an inclination toward a public life, and to a number of occupational changes. You are concerned with your reputation and have a strong desire for recognition. You are likely to find yourself in positions where you are called on to "feel the pulse" of the public, and to be responsive to it in some way. This position inclines toward activities related to marketing, shipping, commodities, or other fields catering to the public. You are highly self-protective, and your feelings are dominated by a desire for achievement.

Eleventh house
The Moon in your eleventh house shows a willingness to work in a self-effacing manner within a group, to promote a common good. You have a broad circle of friends, especially women, and you're very popular. You are naturally responsive to the feelings of others and you know how to sway public opinion. Your interests are so wide and varied that you must guard against becoming superficial. Your sense of security is tied to your relationships and to your many friends.

Twelfth house
The Moon in the twelfth house projects its influence in this sector of the chart. This placement gives a love of introspection and a need for periodic retirement from the confusion and business of the world in general. This placement is going to cause you to feel emotionally isolated from others since it is difficult for you to find emotional stability in other people. You are extremely impressionable and respond to subtle influences of those around you. With such a strong sense of charity, a release is needed to in some way be able to help others. There is opportunity for success in work within large institutions such as hospitals, the government, or large corporations, and usually for the public welfare. While you are subject to emotional chaos, you have serious difficulty expressing your emotions. The twelfth house Moon denotes a need for security that is often fulfilled though withdrawal.

If you want your FREE horoscope or know your future contact to mr.nagaraj mail : nagraj.jeevangi@gmail.com or rajesharvindz@yahoo.com.
Name : Date of Birth : Time of Birth : Place of Birth :

MEMBERS OF UNITED NATIONS

Member of the United Nation as per 2006 are below with year :-
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14) Bangladesh member in 1974.
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ASTROLOGY TWELVE HOUSES OF MERCURY

The planets exert a great deal of energy in the house in which they are physically located in the birth chart. This energy is directed toward the function of the house. The planets modify the tone of affairs told by the sign on the cusp of the house. Planets represent action in the horoscope, and the house in which the planet resides is the home of the action in question. Thus, having several planets in one house can make the entanglements of that house very complex and often more significant in the life.

To set the placement of the Mercury, other planets in your chart you must have already obtained a copy of your chart and become familiar with the symbols of each planet. If you haven't obtained a free copy of your personal horoscope. Please contact to mr.nagaraj mail : nagraj.jeevangi@gmail.com or call 9880017947 for FREE horoscope or rajesharvindz@yahoo.com.

Here are readings Mercury, other planets in each of the twelve houses of the horoscope:

Here's a little more on planets in houses in case you aren't totally confused already. When you purchase a computer reading of your horoscope, the reading you will get regarding each planet in the houses will surely be the precise house in which the planet is located. However, when you look at your chart, there may be a few instances when this should come into question. Suppose, for example, that the Ascendant in a chart is at the 15th degree in Libra, and that Jupiter was positioned at the 13th degree in Libra. That would place Jupiter in the 12th house, right? That's what the computer would say, but many thoughtful astrologers would read this as Jupiter being in conjunction with the Ascendant, and end up reading it as bringing its action to bear in the first house, rather than in the 12th.

This same idea would apply for each and every house cusp. If the planet is IN THE SAME SIGN as the sign on the next house cusp, and close enough to be considered IN CONJUNCTION WITH that next house cusp, the action of the planet will most likely be directed into the oncoming house. In these cases, I might modify my reading to say "Jupiter is in conjunction with the Ascendant (or 5th house cusp, as the case may be), rather than saying "Jupiter is in the xxx house...." In other words, I would consider the "planets in houses" readings as suitable to delineate the conjunction of a planet with the Ascendant or with any other house cusp.

MERCURY IN THE TWELVE HOUSES
Mercury's spot in the chart provides information about the practical side of your mind, and the way you communicate with those around you. It targets the topics of greatest mental activity and interest.

Mercury in your chart :
First House
Mercury in the first house suggests you have an inquiring, intellectual outlook on life, and you reflect this strongly in your personality. You're very talkative and have little problem communicating your thoughts effectively. You enjoy making connections, and trying to learn a little about many different subjects. You adapt quickly to changing situations, and the personality is very witty and quick. You are mentally restless, always seeking new and useful information. Your speech and writings are expressive of your distinctively personal opinions.

Second House
Mercury residing in the second house produces an association with the house of personal finances and possessions. This placement generates money making ideas, and you are a person who is very value conscious. You are a quick thinker in financial transactions or in sales. The mind concentrates on commercial affairs, and it is centered on making money. This is a good position for economists, corporate planners, salespeople, writers with mass appeal, and professions involving communications. Values are often more material than intellectual. You may a special gift for making money by teaching or in some way communicating money-making ideas to others.

Third House
Mercury residing in the third house produces an association with this location, its natural home, the house of the conscious mind. This placement stimulates matters of the mind, and shows that you are witty and clever, especially in the use of words. Not necessarily a deep thinker, but alert, adaptable, and versatile. You express ideas fluently, and display a variety of talents. You may find a tendency to become involved in many superficial contacts and passing fancies, because your mind remains always active and busy.

Fourth House
Mercury residing in the fourth house produces an association with this house of domestic affairs. This position often denotes mental and educational activities in the home. Parents are likely to be well educated or place an unusually high priority upon learning. This position may relate to changeable home conditions or in some way, a nomadic life-style. Being somewhat high-strung and easily irritated, you may find it hard to relax.

Fifth House
Mercury in the fifth house produces an intellectual association with this house of creativity and the affairs of children. This position usually shows good writing and speaking ability, and it likewise shows artistic and creative interests. You express yourself in a dramatic and forceful way, enabling you to become an excellent teacher or actor. Games of mental competition attract your interest and mental stimulation is essential to your happiness. This position is associated with stock market analysts and investors. You may have an analytic, critical outlook on romance, and on life.

Sixth House
Mercury residing in the sixth house produces an association with this house of service and health affairs. This position shows an ability to be methodical and efficient in handling work of a mental nature. You're likely to become involved in work requiring specialized mental or physical skills, such as working with computers or electronic devices. Sometimes you are too precise, and you can easily become too much of a worrier. You may be too concerned with duty, health or proper diet. You have a critical nature that can be upset by disorder in your environment.

Seventh House
Mercury positioned in the seventh house produces an association with this house of relationships. This position shows a tendency to gravitate toward clever, articulate people. You are adept at communicating with the public and should succeed in sales, public relations, or law. You also excel in arbitration, mediation, and counseling. The need for mental companionship should lead you to marry a person who is intelligent and well educated. You are good at promoting your ideas and expressing yourself in an intelligent manner.

Eighth House
Mercury positioned in the eighth house produces an association with this house of joint resources. This position identifies you as one who is a natural investigator, always trying to get to the bottom of any mystery or problem. You can get at the truth of a situation. Here, the mind is used to study and relate to the deeper issues of life. You may also be interested in finance, taxes, insurance, or other symbols of resources held by others. Your interest in human behavior may prompt study and investigation in that field.

Ninth House
Mercury resides in the ninth house producing an association with this house of higher learning. This position shows an interest in philosophy, law, publishing, religion, or other field of education. You have many ideas, beliefs, and opinions, and the ability to express them with authority. Your teaching and writing abilities are very significant. You love travel and it should be easy for you to learn foreign languages. You have a strong curiosity about foreign countries and cultures. As your interests develop, you may become qualified as an excellent teacher of these subjects.

Tenth House
Mercury positioned in the tenth house produces an association with this house of personal attainment. This position suggests you possess excellent speaking and writing abilities that can be used effectively in your career and in attaining professional recognition. Your career is important to you, and your strategy in this regard has to be carefully planned, including education and preparation to attain your goals. The benefit of Mercury here is the ability to communicate ideas to the public; expertise in speech making, publishing, and political strategy, are often found.

Eleventh House
Mercury resides in the eleventh house producing an association with this house of social relationships. This position denotes a comprehensive mind that relates to a wide range of ideas and thoughts. Your attitudes are impersonal, but always friendly. You're willing to exchange ideas and communicate with anyone, regardless of background or walk of life. Much of your thinking is a little off beat or unusual. Your friends provide you wide and diffusive points of view, and you enjoy sharing ideas with such people.

Twelfth House
Mercury resides in the twelfth house producing an association with the subconscious mind. This position suggests that your thinking is strongly colored by experiences and subconscious influences. Decisions are often based on feelings, rather than logic. You're secretive about your thoughts and ideas. You may often be shy and hesitate to speak your ideas, especially in a public setting. You are somewhat hampered by learning difficulties, and you may have difficulty attaining your potential because of this. You lack confidence, but hide this fact very well.

If you want your FREE horoscope or know your future contact to mr.nagaraj mail : nagraj.jeevangi@gmail.com or rajesharvindz@yahoo.com.
Name : Date of Birth : Time of Birth : Place of Birth :

HDFC Bank Commercial or Vehicle Loans

HDFC Bank :
One of the India’s or world’s leading bank that is HDFC bank. HDFC Bank have so many branches in entire world. HDFC have so many branches in India or it is in only metropolitan cities in India.

HDFC bank details :
HDFC bank have so many schemes and so many loans are available in bank. If you want a commercial vehicle loan arranged the above details :

Rules and Regulation / Terms and Conditions :
Minimum Loan Amount is Rs.1.00 Lakhs.
Minimum and Maximum Tenure : Minimum 12 months and maximum 48 months for new vehicles. Minimum 12 months and maximum 36 months for used vehicles.
Funding : 80% to 90% LTV.
Eligible Borrower Segments : Sole Proprietorships, Partnership firms, Private and Public Limited Companies, Individuals and HUF’s.
Repayment Mode : EMI’s in the form of PDC’s (Post Dated Cheque), Standing instructions for HDFC Bank Account holders.

Loan Eligibility Criteria :
Age : Minimum of 18 years.
Bank Statement : Last 6 to 12 months.
Stability – Residence : Proof of residence.
Business Experience – Job / Business : Minimum 3 years.
Guarantor : External Guarantor.
Repayment Track record : to be ETR for the last 12 months.
Contact ability : Landline compulsory.

Documentation :
Age Proof : Copy of Passport / PAN card / Voters ID card / Valid driving license with birth date / ration card copy with birth date.
Entity / Identity Proof : Copy of passport / Pan Card / Voters ID card / Valid driving license with birth date / ration card copy with birth date.
Income Proof : Audited balance sheet for individuals and transporters along with profit and loss statement of last two years for sole proprietorships, partnership firms, private and public limited companies and HUF’s.
Address Proof : Copy of ration card with birth date / valid driving license with birth date / voters ID card/ passport copy / telephone bill / electricity bill / PAN card.
Fleet List : Certificate of registration copy / list of vehicles.
Bank Statements : Last 6 to 12 months and repayment track record.
Sign Verification Proof : Copy of passport / PAN card / voters ID card / valid driving license with birth date / ration card with birth date / banker’s verification.

If you are decided to purchase a new vehicle or car, if you want loan on that go through HDFC Loans. Because Lowest interest rates in HDFC bank and many other facilities in vehicle loans like if you are purchased loan from HDFC and that vehicle you are purchasing insurance in HDFC 5 to 10% off in insurance.

So, please if you want a Commercial vehicles or car loans. If you want a loan for vehicles please contact to your nearest HDFC Bank.