IOB Credit card application

application form
FEATURES :

• IOB Visa Credit Card is a valuable substitute for cash or cheque.
• Card is valid for use Internationally
• Acceptable by over 1,18,000/- Member establishments (MEs) for purchase of goods & services in India and over 130 Lakh Outlets Worldwide.

Please ensure that

• Immediately on receipt of the card
• Your name has been correctly embossed as required by you.
• Your signature is put on the signature panel wth a ball point pen.
• You are solely authorised to use the card.
• The magnetic stripe is not exposed to magnetic or electric fields.
• The Merchant Establishment enters the correct amount ofthe bill on the charge-slip.
• You sign the charge slip using a ball point pen.
• You collect back your card along with your copy of the charge slip and the Relative bill.
• Your dues are settled on or before the due date even if you do not receive your monthly statement by contacting Credit Card Division / Customer Help Desk by any means of communication as non-receipt of the statement cannot be a ground for waiver of late fee etc.

Acceptability & Usage at Member Establishments

• Normally, Merchant Establishments should not add any extra amount to your bill if you settle the bill through IOB Visa Card. In exceptional cases, you may be billed extra service charges, while making use of your card with Merchant Establishments such as Petrol Bunks, Railways, etc. You should proceed with the transaction only if you agree to bear the extra charges. Such charges together with the charge slip amount will be billed to your card account.
• Certain limits have been fixed for Merchant Establishments dealing in different activities. Merchant Establishments can accept the cards within the limit fixed to them called “Floor Limit”. This is different from the card ceiling limit fixed to you. Therefore, when your transaction exceeds the floor limit fixed to the Merchant Establishment, they should obtain prior authorisation from their Bank.
• Any instances of non-acceptance of the card by the Merchant Establishments shall be reported immediately to Credit Card Division, preferably in writing, giving all the details, date, time, the Merchant Establishment's Banker’s name to enable us to take action.
• Merchant Establishments are not expected to accept expired cards or hotlisted cards. They also have the option to accept or reject credit cards during their discount sale period, if any.

CASH WITHDRAWAL

• As a privileged holder of IOB Visa, you have the advantage of drawing cash to meet your emergency requirements from any of over 15000 Visa enabled ATMs in India and over 8.7 lakh ATMs worldwide.
• You can withdraw cash upto 40% of the limit assigned to you.
• While billing you for cash withdrawal, an amount at the rate of Rs.22.50 per Rs.1000/- or part thereof will be added towards service charges for each withdrawal and billed to your card account together with service tax/applicable cess, if any.
• Cash withdrawal will also attract ‘Cash Advance Interest’ at 24.00% p.a. (annualised) from the date of withdrawal.

ATM

• Your card is linked with all IOB Insta Cash and Visa ATMs (Automated Teller Machines) at select cities for easy access to cash 24 hours a day. The use of such facility is subject to the Bank’s ATM terms and conditions in addition to the terms and conditions governing IOB Visa Credit Card Scheme.

CARD VALIDITY & RENEWAL

• Valid for 3 years from the month of issue.
• Automatic renewal for 3 years on satisfactory track record and on prompt settlement of dues & card despatched tothe branch where are you are an account holder.
• If card is not received, please contact the servicing branch or Credit Card Division, Central Office.
• If renewal is not required, please inform us at the branch or Credit Card Division at least 2 months in advance.

INSURANCE BENEFITS 

IOB entered into an arrangement with United India Assurance Co. Ltd. for covering you under various insurance facilities free of chargeas given below:

Various insurance facilities free of charge
Sl.No	Coverage	Gold card	Classic Card
1	Personal Accident - Death Due to a. Aircrash i. Self (Primary card holder) ii. Spouse b. Road / Rail i. Self (Primary card holder) ii. Spouse	Rs 10.00 lacs Rs 2.00 lacs Rs. 2.00 lacs Rs. 1.00 lacs	Rs. 4.00 lacs Rs 2.00 lacs Rs. 2.00 lacs Rs. 1.00 lacs
2	Baggage Insurance	Rs.0.25 lacs	Rs.0.25 lacs
3	Purchase Protection	Rs.0.25 lacs	Rs.0.25 lacs

Baggage Insurance

The baggage of IOB-VISA cardholders will be covered for a maximum sum of Rs.25,000/- while onravel. The coverage is operative whilst on inland travel outside the city/town of domicile. The maximum liability overed per cardholder during a policy year is Rs.25000/-

Purchase Protection

Any item purchased through IOB-VISA is insured against the risk of fire, riots, strike, malicious damage, terrorism and theft during transit (from the place of purchase to the residence) and whilst kept/situated at the premises of the cardholder subsequently totally for a period of30 daysfrom the date of purchase for a maximum sum of Rs.25,000/- per year.

Please ensure that you / your spouse have registered your nomination. 

SETTLEMENT OF BILLS :

• Every month, a Statement of Account dated 20th of the month will be mailed to you and the statement will show the transactions processed during the previous billing cycle. It will contain your name, your card number and the date on which the statement has been generated. 
• The transactions of add-on cardholders will also be included in the statement.
• The sale date indicated in the statement is the date on which the transaction has been done by the card holder and credits if any received by th Division.The particulars of the transaction will indicate the actual transaction in brief. The amount corresponding to each transaction will be indicated under “Amount” column.
• By being prompt in payment of your dues as depicted in the Statement of Account, you will realise that you get afree credit period ranging from 15 days to 50 days depending upon the date of transactions. Default in payment affects your credibility apart from the fact that you will have to pay late fee and other charges as advised by the Bank from time to time apart from hotlisting your card.
• Your card ceiling limit will be indicated in the Statement of Account so as to enable you to operate within the limit. If you find that your monthly transactions often exceed the limit indicated, and if you require higher limits, please contact your branch for enhancing your limits alongwith income proof subject to eligibility criteria.
• If you notice any discrepancy or incorrect charge debited to your card account, please inform Credit Card Division immediately (not later than 7 days from the date of receipt of Statement of Account).
• The Statement of Account is despatched by ordinarypost every month. Non-receipt of statement is not a valid reason for non-payment of dues in time or claiming remission of service charges for delayed payments.
• On cancellation of airline/railway ticket, the net amount received from the airlines/railways alone will be credited to your card account. As and when received, the same will be credited to your card account. The Bank is not responsible for the delay in refunds due to cancellation.The balance outstanding will be charged with applicable interest / service tax /cess till we recieve the refunds.
• Any change in account with Indian Overseas Bank for settlement of dues / change in address should be intimated to Credit Card Division or M/s.Yalamanchili Consultancy Services P. Ltd. (YCS), Sakthi Towers, 766 Anna Salai, Chennai – 600 002 immediately.

Appropriation of Repayment:
Your repayment of dues are appropriated to your card account in the following order:-

1. Govt. Fee ( Service Tax)
2. Charges
3. Cash advance interest
4. Purchase Interest
5. Interest on other Fees / charges
6. Cash advance fee
7. Other Fees
8. Purchase
9. Cash Advance

CUSTODY OF YOUR IOB-VISA CARD

• Please preserve your valuable IOB-VISA Card carefully, and do not let it fall into wrong hands. Please check your wallet / pouch once in a while and ensure that your card is always safe.
• Despite this, if you lose your IOB-VISA, please inform the same immediately to M/s.Yalamanchili Consultancy Services P. Ltd. (YCS) or Credit Card Division by telephone / telegram / fax, duly mentioning your name, your card number and validity, so that we can hotlist your card. Simultaneously, please lodge a police complaint immediately detailing the loss. A copy of the police complaint along with your detailed letter confirming the loss should reach us within a week from the date of reporting the loss. Please collect the duplicate card from the branch after receipt of information from us. However, if you do not require a duplicate card, please indicate the same to the Bank. 
• By promptly reporting the loss, your liability on account of someone picking up the lost/stolen card and misusing it would be ‘NIL’ under Lost Card Insurance cover. Please note that this cover will commence only from the date of receipt of your intimation to the Bank. 
• If you trace the lost card after reporting the loss, please do not use it, since it will not be honoured by the Merchant Establishments. You should return the card to the Bank after cutting it intopieces and obtain the duplicate card for further use.

CHARGES : 
The schedule of charges leviable to the IOB-VISA account is as follows : 

1. Card Membership Fee : No Charges 
2. Photo Card : Rs.100/- (payable only once) 
3. Annual Fee : No Charges 
4. Hotlisting Fee : No Charges 
5. Replacement card : Rs. 100/- 
6. Request for a. Duplicate Statement copy: Rs.50/- b. Charge Slip Copy : Rs.100/- c. Original Charge Slip : Rs.300/- 
7. Late Fee Charges : Rs.100/- 
8. Interest on Roll-over facility : 24.0% p.a. (annualised) 
9. Cash Advance Fee : Rs.22.50 per Rs.1,000/- or part thereof 
10. Cash Advance Interest : 24.0% p.a (annualised) from the date ofcash withdrawal. 
11. OFF US Domestic /International ATM :
    a. Cash withdrawal from other Banks ATMs with VISA Logo - Rs.100/- per transaction
    b. balance Enquiry - Rs. 20/- per transaction
12. Foreign Currency transactions : 2.5% on the transaction value added to the value. In addition to the above, cardholders have to pay extra Service Charges at certain Merchant Establishments such as Petrol Bunks, Railways, etc. at the minimum rate of 2.5% or at the rate as indicated at the Merchant Establishments.
    
    Service Tax/Cess as applicable will be loaded to the above charges.
    
    The above schedule of charges is subject to revision from time to time, and will be directly billed to your card account.

Schedule of Charges
Sl.No	Transactions	Ceiling
1	Cash withdrawal	40% of Credit limit
2	Purchase at Jewellary Shops	50% of Credit limit
3	Per day Ceiling Cash through ATM - Gold cards Classic cards All transactions	Rs. 25000/- Rs. 15000/- 50% of credit limit

How to apply for ‘ADD-ON’ Cards ?: 
The Primary Cardholder can apply for upto 4 ‘ADD-ON’ Cards on his/her credit card a/c, by completely filling-up the regular credit card application form. The completed Application Form should be submitted to the Branch of IOB, where the cardholder is having the account. 

How to apply for Enhancement of Limit : 
The existing credit card holder can apply for enhancement of limit by filling-up the credit card Application Form and submitting the same alongwith proof of income to the branch where he/she maintains an account. In addition to your Servicing Branch, you may, in case of need, contact our Customer Help Desk (Operational 24 hours) or Credit Card Division of the Bank (During Office hours)

Customer Help Desk : (24 Hours)

Toll Free Phone No. 18004257744

Operated by :

M/s Yelamanchilli Software Exports(P) Ltd.,

Tower-1, Sakthi Towers, 2^nd floor, 766, Anna Salai,

Chennai- 600002.

Phone: 044-33844356, 044-33844357

E-mail: iob_callcentre@yalamanchili.in

             iob_cardops@yalamanchili.in

(OR)

The Chief Manager
Credit Card Division
Indian Overseas Bank
Central Office
763 Anna Salai
CHENNAI – 600 002
Phone : (044) 28519574
E-mail : crcard@iobnet.co.in 

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Electronic Clearing Service (Credit Clearing) Mandate Form

Electronic Clearing Service (Credit Clearing) Mandate Form

OMO Purchase of Government Securities

OMO Purchase of Government Securities

An open market operation (also known as OMO) is an activity by a central bank to buy or sell government bonds on the open market. A central bank uses them as the primary means of implementing monetary policy. The usual aim of open market operations is to manipulate the short term interest rate and the supply of base money in an economy, and thus indirectly control the total money supply, in effect expanding money or contracting the money supply. This involves meeting the demand of base money at the target interest rate by buying and selling government securities, or other financial instruments. Monetary targets, such as inflation, interest rates, or exchange rates, are used to guide this implementation

Since most money now exists in the form of electronic records rather than in the form of paper, open market operations are conducted simply by electronically increasing or decreasing (crediting or debiting) the amount of base money that a bank has in its reserve account at the central bank. Thus, the process does not literally require new currency. However, this will increase the central bank's requirement to print currency when the member bank demands banknotes, in exchange for a decrease in its electronic balance.
When there is an increased demand for base money, the central bank must act if it wishes to maintain the short-term interest rate. It does this by increasing the supply of base money. The central bank goes to the open market to buy a financial asset, such as government bonds. To pay for these assets, bank reserves in the form of new base money (for example newly printed cash) are transferred to the seller's bank and the seller's account is credited. Thus, the total amount of base money in the economy is increased. Conversely, if the central bank sells these assets in the open market, the amount of base money held by the buyer's bank is decreased, effectively reducing base money.
The process works because the central bank has the authority to bring money in and out of existence. They are the only point in the whole system with the unlimited ability to produce money. Another organization may be able to influence the open market for a period time, but the central bank will always be able to overpower their influence with an infinite supply of money

COMMONWEALTH SHARED SCHOLARSHIP SCHEME 2014

Commonwealth Shared Scholarships are for taught Master’s courses only. All courses undertaken must be demonstrably relevant to the economic, social or technological development of the candidate’s home country. Awards are available at participating institutions in the UK only.
Commonwealth Shared Scholarships 2014 prospectus – includes full details of the UK institutions offering Shared Scholarships in 2014.
Please note that participating universities are required to support the student stipend for the award holder (at the rate set by the UK government). The CSC funds the cost of tuition fees (at overseas rate), return airfares, and other allowances.
Eligibility

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Applicants must:
be nationals of (or permanently domiciled in) a developing Commonwealth country, and not currently be living or studying in a developed country (please see the Commonwealth Shared Scholarships prospectus 2014 for a list of eligible countries)
hold a first degree at either first or upper second class level
be sufficiently fluent in English to pursue the course
have not previously studied for one year or more in a developed country
be able to confirm in writing that neither they or their families would otherwise be able to pay for the proposed course of study
be willing to confirm that they will return to their home country as soon as their period of study is complete
How to apply
All applications must be made through the university at which you wish to study. You must check with them in the first instance for specific advice on eligibility and how to make an application, and for their own closing date.
The CSC expects all Commonwealth Shared Scholarship candidates to be nominated by a university, and to have completed an application form using our Electronic Application System (EAS).
Full help on how to apply using the EAS is provided in our guides, which should be read in full before making any attempt to use the EAS.
The EAS will close to applicants on 16 April 2014 and no further applications can be made after that date. Please note that some university closing dates may be before 16 April, and that some universities may require candidates to complete a university application form, in addition to the EAS.
All universities are asked to forward their nominations to the CSC no later than 30 April 2014 using the EAS. The CSC will not accept any applications which are not submitted via the EAS to a university.

The Oxford and Cambridge Society of India (OCSI) Scholarships 2014 Guidelines

The Oxford and Cambridge Society of India is offering scholarships for admission to the University of Oxford and the University of Cambridge in the academic year 2014-15, as below:

• One OCSI scholarship worth INR 400,000 (Rupees Four Lacs only) tenable at either the University of Cambridge or the University of Oxford
• One scholarship worth INR 100,000 (Rupees One Lac only) tenable only at Emmanuel College, University of Cambridge
• One scholarship worth INR 100,000 (Rupees One Lac only) tenable only at St. Hilda’s College, University of Oxford

Application forms and further details of the scholarships are available as downloadable files below:

Guidelines for the OCSI Scholarships 2014

Application form

Dr Manmohan Singh Scholarships uk

The University of Cambridge has long and strong ties with India.  Many of India’s leading politicians, businessmen and scientists are Cambridge alumni. St John’s College, one of the largest of the Colleges in Cambridge, has had particularly extensive links over many years.

Dr Manmonhan Singh, the Prime Minister of India, is a graduate and Honorary Fellow of St John’s College. He is widely acknowledged as the architect of the economic reforms that have helped propel India onto the World Stage. In honour of Dr Singh St John’s College has launched the Dr Manmohan Singh Scholarships. These awards will enable academically outstanding Indian students to come to St. John’s College, University of Cambridge to study for doctoral degrees in subjects like Science & Technology, Economics and Social Sciences.

Applications in Aerospace Engineering and Energy Studies will be of particular interest.

Value of the Award

The scholarships are fully funded, and cover:

academic fees
international airfare
monthly stipend to cover living expenses
UK visa.
This programme is now closed for applications. We will continue to update this space with information.

Eligibility criteria

The applicant should be:

An Indian national with a valid Indian passport and currently based in India.
Below 35 years  of age, as on 15 January 2014.
Not already had significant exposure to UK education or received UK government funding.
Should hold a Master’s (postgraduate) degree from a reputed/recognised  India university/institution with a First Class award (UG and PG) in the relevant subject/field.
Evidence of leadership qualities (to be assessed from personal statements e.g. extracurricular activities and/or evidence of having made a difference to the country/society/participation in symposia in the relevant subject, or peer reviewed publication in the area).
Keen to pursue and should have identified a full time Doctoral Research degree from the University of Cambridge commencing September/October 2014
Fluent in spoken and written English.
Able to fulfil any other admission criteria laid down by the University.

Application process

It is the responsibility of the applicants to identify a suitable Doctoral programme and supervisor at the University of Cambridge, apply for a place for September/October 2014 and secure admission.

Identify a suitable doctoral  programme  and supervisor at the University of Cambridge.
Applicants to visit the Board of Graduate Studies (BoGs) website: http://www.admin.cam.ac.uk/students/gradadmissions/prospec/ and make formal application to the University at the same time as to the Dr Man Mohan Singh Scholarships.
Applicants to select St John’s College as their first choice College on their BoGs application form.
Applicants to indicate on their BoGs form that they are applying for the Dr Manmohan Singh Scholarships, but also to complete the section applying for funding from the University.
Apply for the Scholarship on the prescribed format by 15 January 2014 and submit it to the British Council
Notes:

Only those applicants who get an offer of admission at St John’s College will be eligible for the award of the Scholarship.
Candidates should NOT approach St John’s College directly at this stage.

Selection

Candidates for these scholarships are selected through a process of short listing from the applications received by the British Council, followed by personal interviews, which will be held in New Delhi .

Subsequent to the interviews the selection committee identifies the required number of candidates for the awards. The decision of the selection committee will be final. Selection results will be communicated within a month following the interview.

Post selection

Pre-departure briefings, UK visa and travel arrangements for the selected candidates will be co-ordinated by the British Council.

General Notes

The British Council will acknowledge receipt of applications through the emails provided on the application form. For this purpose, applicants are requested to provide their latest email ids. However, the British Council will not be responsible for failure of on-line delivery.

The British Council will further contact only the short-listed candidates inviting them for interviews. Applicants are requested not to contact the British Council office directly.

Short-listed candidates will be interviewed in New Delhi. Candidates will be expected to make their own travel and accommodation arrangements

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Tata Scholarship for Students from India

Thanks to a generous gift from the Tata Education and Development Trust - a philanthropic affiliate of India’s Tata Group - a $25 million endowment has been established that will allow Cornell to provide financial aid to undergraduate students from India.

The Tata Scholarship Fund will support approximately 20 scholars at any given time and will ensure that the very best Indian students have access to Cornell, regardless of their financial circumstances. The scholarship will be awarded annually; recipients will receive the scholarship for the duration of their undergraduate studies at Cornell.

Ratan Tata ’59, BArch ’62, is a Cornell trustee and the chairman of Tata Sons, the holding company of the Tata Group, one of India’s oldest, largest, and most respected business conglomerates. Mr. Tata is one of the most respected business leaders in the world and has received numerous prestigious honors recognizing his impact through his work and philanthropy.


Qualifications

To receive the undergraduate scholarship, a recipient must:

be a citizen of India and have attended secondary school in India;
be offered admission to Cornell as an undergraduate student;
be eligible for need-based financial aid.
Preference will be given to qualified students accepted to the College of Architecture, Art, and Planning; the College of Engineering; the Applied Economics and Management major in the College of Agriculture and Life Sciences; and majors across colleges in the biological sciences, physical sciences, and other “hard” sciences, as well as the social sciences.

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Maximum eligible ranks for entrants to professional courses in AY 2013-14

Course Category and States	Maximum Eligible Rank
Engineering and Technology (BE, B Tech) Courses
AIEEE(All India Engineering Entrance Exam) (All India Rank)	1,00,000
Andhra Pradesh, Tamil Nadu, Maharashtra, Madhya Pradesh and Karnataka	7,500
Haryana, Rajasthan, Kerala, Gujarat, Odisha, Punjab, West Bengal and Chattishgarh	4,000
Uttarakhand, Himachal Pradesh, Delhi, Puducherry, Jharkhand, Bihar, Assam and Jammu & Kashmir	2,500
Goa, Chandigarh, Sikkim, Meghalaya, Tripura, Arunachal Pradesh, Manipur and Andaman & Nicobar Islands	500
Medicine (MBBS) Course
Karnataka, Maharashtra, Andhra Pradesh and Tamil Nadu	1,000
Uttar Pradesh, Kerala, Gujarat, West Bengal, Madhya Pradesh, Rajasthan, Punjab and Puducherry	750
Delhi, Odisha, Bihar, Haryana, Assam, Uttaranchal, Jammu & Kashmir, Jharkhand, Chattisgarh, Himachal Pradesh, Manipur, Tripura, Goa, Chandigarh and Sikkim	500

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Scholarships foundation for excellence

Brilliance needs to be nurtured, We do just that.

New, first time applicants are eligible to apply for a scholarship only when they are in the first year of a professional degree course in engineering, technology or medicine. To qualify for a scholarship, applicants must meet certain academic excellence and family income requirements.

Academic Eligibility Criteria

The academic eligibility criteria for professional courses in engineering, technology and medicine are:

Only the professional degree courses BE, B Tech and MBBS are eligible for scholarships. Diploma students admitted to BE, B Tech courses on a lateral basis are not eligible.

Only first year applicants beginning their studies in BE, B Tech or MBBS in the academic year 2013-14 are eligible.

The applicants should have passed their Higher Secondary/Pre-University/Intermediate/ CBSE/ISC or equivalent board qualifying examination not earlier than in 2012.

The applicants should have scored not less than 70% marks at the qualifying examination.

The applicants' admissions to their professional degree courses/institutions should be on the basis of the open/general merit rank awarded to them at the state or national level entrance tests or through a counselling process conducted at the state level (as in the case of Tamil Nadu), as per the table given below.

Applicants who have obtained admission to IITs and medical colleges on the basis of national level tests (JEE, AIPMT, etc.) will be considered as special cases on the basis of their respective merit ranks/marks scored and financial need.

For students joining IITs, the eligibility/selection cutoff criteria will be the total marks scored at the IIT JEE by the last ranked General Category student admitted.

Maximum eligible ranks for entrants to professional courses in AY 2013-14

Course Category and States	Maximum Eligible Rank
Engineering and Technology (BE, B Tech) Courses
AIEEE(All India Engineering Entrance Exam) (All India Rank)	1,00,000
Andhra Pradesh, Tamil Nadu, Maharashtra, Madhya Pradesh and Karnataka	7,500
Haryana, Rajasthan, Kerala, Gujarat, Odisha, Punjab, West Bengal and Chattishgarh	4,000
Uttarakhand, Himachal Pradesh, Delhi, Puducherry, Jharkhand, Bihar, Assam and Jammu & Kashmir	2,500
Goa, Chandigarh, Sikkim, Meghalaya, Tripura, Arunachal Pradesh, Manipur and Andaman & Nicobar Islands	500
Medicine (MBBS) Course
Karnataka, Maharashtra, Andhra Pradesh and Tamil Nadu	1,000
Uttar Pradesh, Kerala, Gujarat, West Bengal, Madhya Pradesh, Rajasthan, Punjab and Puducherry	750
Delhi, Odisha, Bihar, Haryana, Assam, Uttaranchal, Jammu & Kashmir, Jharkhand, Chattisgarh, Himachal Pradesh, Manipur, Tripura, Goa, Chandigarh and Sikkim	500

Financial Support for those who need it the most

The gross family income criteria is Rs. 1,20,000 per year. Gross income refers to the income before deductions for taxes or other purposes.

In addition to gross family income, the education and occupation of parents as well as family members including elder brother(s) and sister(s), the family's living conditions and the total expenses being incurred by the family on the applicant's education will be taken into consideration for determining the financial eligibility of an applicant.

Applicants who are the first graduates of the family will be preferred over applicants who are the second or third child of the family taking up graduation.

Where parents of applicants are employees, a salary/pay slip from the employer is mandatory. The salary/pay slip should clearly show the family member's gross monthly salary with full details of his/her basic salary and all allowances and deductions. The employer and the facilitator should certify the salary/pay slip. Submission of an Income certificate from a local or other government authority in lieu of a salary/pay slip is not acceptable.

Where parent(s)/guardian(s) are retirees/pensioners, a pension statement from the pension authority and/or from an authorized bank showing the gross monthly pension of the family member, inclusive of any supplementary allowances and before any deductions is required. Pensioners should also provide documents to show the official status or designation, gross salary drawn at the time of retirement and the name of the employing organization. If the parent/guardian has recently retired under a voluntary retirement scheme, reasons for retirement, and amount of lump sum benefits received on retirement should be disclosed.

Where parent(s)/guardian(s) are in business or self-employed, income certificate issued by any government authority or the income tax return should be submitted in support of the gross family income specified in the application. Specific details of the nature and size of the business or self-employment should also be provided.

Where parent(s)/guardian(s) are agriculturists or have farming or cultivation as their source of income, an income certificate from a recognized or competent authority should be submitted. Details of the nature and size of the land holding, crops grown, etc. wet or dry land irrigation should also be provided.

Apply Via Post

Prospective applicants should send the following information by post to the FFE office at the following address by no later than 30 September.

Full name:

Full postal address, including PIN code:

Email address (required):

Mobile Phone No. (if available):

Father's name, age, education and occupation:

Mother's name, age, education and occupation:

Other family members - name, age, education and occupation:

Gross annual family income (before deductions): Rs.

Indicate if family status is below poverty line (official certificate will be required):

Higher secondary school/pre-university/intermediate college examination (Year of passing):

Full name of school/college of studies:

Marks obtained and %:

Professional course entrance test/examination name and year test/exam taken:

Overall general/open state/all-India merit/counselling rank:

Full name of college of professional study, if already admitted:

Send this info to:

FFE Office,

840 MHT House, 1st Floor, 5th Main,

Indiranagar, 1st Stage,

Bangalore 560 038