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Motor Insurance

Everything you need to know about RTO in India

RTOs in India

Everything you need to know about RTO in India

Every existing or future vehicle owner in India needs to be well-versed with the meaning, role, scope, functions of an RTO. Doing so will ensure that you have a smooth and safe driving life in India.

This article will tell you everything you need to know about RTOs in India.

 

Table of Contents:

  • What is an RTO?
  • What is the Full-form of RTO?
  • What are the Functions and Responsibilities of an RTO?
  • What is the RTO Registration Process?
  • What is the Difference Between RTO and DTO
  • RTO Codes for Different States in India
  • How to get a Custom Vehicle Number?
  • RTO Fees
  • RTO Forms

What is an RTO?

An RTO is a government organization that deals with the management and administration of all transport related operations in India. Every RTO office is specifically created to adhere to the rules and regulations laid down by the Motor Vehicles Act – 1988.

For instance, under the Motor Vehicles Act, there are various chapters that range from Granting of driving license, Suspension of driving license, vehicle registrations, Power of State Government to make rules, and beyond. It is the job of every RTO to implement these rules. Ever wondered where the first RTO in India was? The first RTO was established in Chennai in 1921

What is the Full-form of RTO?

The full-form of RTO is Regional Transport Office. A Regional Transport Office (RTO) deals with the administration, registration, and transportation activities of a particular region in India. Some of the most important activities of any RTO is vehicle registration, driver’s license registration and renewal, issuance of fitness certificates, renewal of vehicle, and beyond.

As of 2023, there are 1100+ RTO centers across India. In Maharashtra alone, there are more than 51 RTOs, including 5 RTOs in Mumbai city.

What are the Functions and Responsibilities of an RTO?

As previously mentioned, every RTO in India needs to implement the rules and regulations laid down under the Motor Vehicles Act, 1988. That is the fundamental role of any RTO. That being said, mentioned below are some of the most important functions and responsibilities of an RTO:

 

  • Vehicle Registration and Renewal: As per the Motor Vehicles Act, 1988, every vehicle that is driven on public roads in India needs to be registered. If a vehicle is found without a valid registration certificate (RC) then the vehicle may be impounded and the owner may be subject to fines as well as jail time. It is the function of an RTO to check vehicles and disburse vehicle registration documents.
  • Registration and Renewal of Drivers License: As per the Motor Vehicles Act, 1988, every individual that is driving on public roads needs to have a valid license. It is the function of an RTO to issue and renew licenses after a person passes the requisite driving test.
  • Collection of Road Tax: Public roads require regular maintenance in order to remain functional. It is the role of an RTO to collect these road taxes from vehicle owners.
  • Issuing Fitness Certification: Older vehicles tend to emit more fumes that damage the environment and increase pollution. It is the task of an RTO center to periodically examine older vehicles and issue fitness certificates for the said vehicles.
  • Regulation and Enforcement of Traffic: RTOs along with coordination with traffic police have the power to enforce and regulate traffic in the city.
  • Suspension of license: RTOs have the power to suspend a drivers license if the violator is found guilty of over-speeding, drunk-driving, dangerous driving, misuse of vehicle, and more.
  • Issuing Duplicate Documents: There are times when a person may lose his original vehicle documents like RC book, drivers license, and more. It is the duty of the RTO to disburse duplicate copies of the same to the vehicle owner at a cost.
  • Issuance of NOC: There are a variety of NOCs that RTOs have a responsibility to issue. Some of the common NOCs include re-registration of vehicle, allotment of fancy number, registration of vehicle, and more.
  • Impounding and Release of Vehicles: There are times when a vehicle may be required to be impounded. It is the duty of the RTO to do so. A vehicle may be impounded if road fines are not paid, accident cases, police investigation, and more.
  • Conducting Auctions: RTOs also have the role of conducting auctions of vehicles that are ownerless. They can either conduct the auctions themselves or participate in a tie-up with a vehicle auction house.

What is the RTO Registration Process?

How do you register your new vehicle? Let’s find out.

Step 1: Submission of Documents

First, you will need to fill-up and submit a bunch of forms that including form 20. Once filled, you will then need to submit the forms to the office. It is advisable to take the assistance of an RTO agent to ensure smoothness of process.

Step 2: Processing and Checking

Now, your documents will be verified, processed, and then approved.

Step 3: Payment of Charges

Next, you will then need to pay the requisite RTO charges and fees. Be sure to take the receipt / acknowledgment of your payment made.

Step 4: Get your vehicle inspected

Next, you will need to get your vehicle inspected by the RTO. Remember, you will need to visit the RTO with your vehicle for this. Once your vehicle is checked and approved, you will need to fill-up and submit a bunch of forms.

Step 5: Approval

Now, the Assistant Regional Transport Officer (ARTO) will issue his approval for the vehicle.

Step 6: Get your Registration Card (RC)

Finally, once the ARTO issues his approval, you will receive your registration certificate to your registered address. Keep the RC safe and secure.

What is the Difference Between RTO and DTO

An RTO (Regional Transport Office) and a DTO (District Transport Office) are both government organizations that deal with the administration, management, and logistics of road transport in India.

An RTO is based in a particular region, whereas a DTO is present in a particular district. A DTO is an organization that oversees the functioning of all the RTOs in a particular district.

Difference Between RTO and DTO

 

 

RTO

DTO

1.

Hierarchy

An RTO is considered to be subordinate to a DTO.

A DTO is considered to be at a higher hierarchy compared to an RTO.

2.

Number of Offices

RTOs have more offices compared to DTO as they are regional centers.

Generally, there is only a single DTO per district.

3.

Scope of Authority

RTOs have to report to their district DTO

DTO has authority over regional RTOs

4.

Policy Implementation

RTOs have to role of implementing the policies under the Motor Vehicles Act, 1988.

A DTO has the role of ensure that RTOs are functioning smoothly and efficiently.

5.

Jurisdiction

Regional Level

District Level

RTO Codes for Different States and UTs in India

State

RTO Code

Maharashtra

MH

Bihar

BR

Delhi

DL

Gujarat

GJ

Punjab

PN

Haryana

HR

Rajasthan

RJ

Chandigarh

CH

Karnataka

KA

TamilNadu

TN

Kerala

KL

Himachal Pradesh

HP

Uttar Pradesh

UP

Goa

GA

Madhya Pradesh

MP

West Bengal

WB

Andhra Pradesh

AP

Tripura

TR

Arunachal Pradesh

AR

Assam

AS

Manipur

MN

Pondicherry

PY

Daman and Diu

DD

Meghalaya

ML

Sikkim

SK

Jammu and Kashmir

JK

Mizoram

MZ

Dadra and Nagar Haveli

DN

Nagaland

NL

Orissa

OR

Andaman and Nicobar

AN

Lakshadweep

LD

How to get a Custom / Fancy Vehicle Number?

There are certain provisions that allow a person to select his or her own preferred vehicle number. Let us talk about how a person can get a custom vehicle number from his nearest RTO.

Step 1: Check if your desired customer number is available

Visit your nearest RTO, and make an inquiry whether your desired custom vehicle number is available for selection. You can also check if your fancy / custom number is available online by visiting the Vahan Portal

Step 2: Online Registration

If you are looking to go the online route, then you will need to register yourself on the Parivahan Website. Once registered, you can bid of custom / fancy numbers.

Step 3: E-auction

Now that you are registered under Parivahan, you can now participate in E-auctions where you can bid on your preferred fancy numbers.

Step 4: Check E-auction status

Once you have placed your bid, you will now need to periodically check your bid status to know whether you have been outbid by someone else. If you have been outbid, you can readjust your bid if you so choose. You will also need to fund your account within 5 days of the bid.

Step 5: Get allotment letter

If you are lucky enough to be the winning bidder, and you have funded your account with the required amount, you will then be furnished with an allotment letter. Kindly take a print of the same for further reference. Take this letter to your RTO office along with your vehicle and finish the registration process.

RTO Fees

RTO fees depend on the state where the RTO is located. That being said, the RTO fees are more or similar across states. You will have to check with your local RTO center to get the updated rates. You can also contact an RTO agent to expedite your work.

RTO Forms

There are over 65 forms that can currently be downloaded on the Parivahan Website. Mentioned within are some of the most widely used forms.

 

Form

About the Form

1.

Form 20

 

Used for the registration of new vehicles

2.

Form 21

 

Sale Certificate

3.

Form 22

 

Used to certify road-worthiness

4.

Form 29

 

Notice of Transport of Ownership of a Vehicle

5.

Form 30

 

Application for transfer of vehicle ownership

6.

Form 34

 

Application for making an entry for an agreement

7.

Form 38A

Report of Inspection Form

8.

Form 51

Certificate of Insurance

9.

Form 60

Working Certificate

All Forms

 

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Finance and Tax

How to Check your income tax refund status? (Simple Steps)

Income Tax Refund Status

How to Check your income tax refund status? (Simple Steps)

Wondering how you can check your income tax refund status? Read this guide and find out how you can check the status of your income tax refund quickly and easily. Checking your I.T refund status through the Official Income Tax Department of GOI has never been simpler. This is how you do it.

Table of contents:

  • How to Check your income tax refund status?
  • Types of Income Tax Refund Status
  • Some Reasons for not receiving your I.T refund

How to Check your income tax refund status?

There are two ways to check your Income Tax Refund status:

  • Check I.T Refund Status via E-Filing Portal
  • Check I.T Refund Status via TIN NSDL website

Check I.T Refund Status via E-Filing Portal

In order to check your Income Tax Refund status you will need your PAN or Aadhar number. Keep your PAN / Aadhar number handy before initiating your I.T refund status check. Let’s begin.

Step 1: Login to E-Filing Portal

You can access the official I.T Department’s website here.

Step 2: Navigate to “Refund/Demand Status”

Once logged in, you need to navigate to the “Refund/Demand Status” section. Click on it.

Step 3:  View Refund Status

Your refund status will now be viewable, and important details like Assessment Year, Status, Mode of Payment, Reason for Refund Failure (if any) will be displayed.

Check I.T Refund Status via TIN NSDL website

  • Visit the official TIN NSDL website: First, you will need to visit the official TIN NSDL website 
  • Navigate to “Status of Tax Refund”: Now, you will need to navigate to “Status of Tax Refund” under the “Services” section on the top of the page.
  • Enter Details: You will now need to enter your PAN number, Assessment Year, and Captcha Code. Once entered, press “Proceed.”
  • Check your I.T Refund Status: Now, you will get a detailed status of your I.T Refund. The details mentioned would include mode of payment, reference number, status, masked bank account number, and date.

Some Reasons for not receiving your I.T refund

  • ITR still under process: You may not have received your I.T refund if your ITR is still under process. Try checking your I.T refund status after a few days if you have just filled your ITR.
  • Incorrect bank account provided: It is possible that your I.T refund has not been initiated by I.T Department due to incorrect back account provided. Kindly double check your bank details before submitting a re-request.
  • Bank account not pre-validated: It is necessary to pre-validate your bank account before initiating an Income Tax Refund.
  • Mismatch of PAN/Aadhar with Bank: On rare occasions, it may be possible that there is a mismatch between your PAN/Aadhar details and your bank account details. If this is the case then immediately contact your bank and update your KYC. Once updated, process your refund again.
  • No refund due: It is possible that there is no refund due. It is also possible that the refund amount has been adjusted with your tax liability. Either way, the status for the same will be visible on the dashboard.
  • Notice from I.T department: If you have received a notice from the I.T department, there may be a delay in updating the I.T Refund status on the portal.
  • Incorrect IFSC: This is one of the most common reasons for the refund to not reflect. This is easily solvable by updating your bank details with the correct IFSC code in the I.T portal dashboard.
  • Closed Bank account: It is important that you initiate a refund request using an active bank account. Inactive bank accounts are not eligible to receive payments within it.

Types of Income Tax Refund Status

Sr. No

I.T Refund Status

Understanding the Refund Status

Resolution

1.

Refund Paid

This essentially means that your refund amount has been disbursed to your linked bank account

Here, you do not need to do anything as the refund has already been sent to your bank account

2.

Refund Unpaid

This means that your refund amount has not been paid. There has been an issue processing your refund.

Login to the portal and find out what the issue was in processing the refund.

3.

Not Determined

This implies that your refund amount has not yet been calculated.

Kindly wait and recheck after a week or two..

4.

No e-filing for this assessment year

This simply means that you have not filed I.T for the calendar year

5.

ITR Proceeds determined and sent to Refund Banker

This means that your refund amount has been processed to the refund banker and you should receive your refund in your bank account shortly.

At this stage, you will have to wait for a few days in order for the refund to reflect in your bank account.

6.

Demand Determined

This status means that your refund request is rejected by the I.T Department

Try checking your I.T filing details and cross-verify your numbers.

7.

Contact Jurisdictional Assessing Officer

The I.T Department requires some additional details pertaining to your filing.

Contact your Jurisdictional Assessing Officer

8.

Rectification Proceeded on, No Demand No refund

This is where you as a person filing I.T do not have to pay any additional tax. Further, even the I.T Department does not need to initiate any payment towards you.

9.

Rectification proceeded, demand determined

This is where your refund request is accepted but you need to pay additional income tax.

Pay the additional income tax

What happens if my I.T refund has failed?

As mentioned before, there are a number of reasons why your I.T refund has not come. If your I.T Refund has failed, then it would be prudent to have a chat with your Chartered Accountant (CA) about it.

Your CA will most likely login to your I.T portal and try to deduce the reason behind this. Your CA could also use his good offices to find out directly from the I.T department itself as to why the refund has failed.

If your I.T refund has failed, it is important to find out the reason from the same. Once you have found the exact reason why your refund failed, then you can rectify the issue and re-apply for your I.T refund. You can quickly and easily re-apply for your refund using the I.T Department’s online portal.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

Categories
Health

World Health Day – Importance, Facts, and History

world health day

World Health Day – Importance, Facts, and History

Learn about the most important aspects of World Health Day. When is World Health Day observed?  Why we celebrate World Health Day? What are some interesting facts about World Health Day? What is the history and importance of World Health Day?

 

  • When is World Health Day observed?
  • Why we celebrate World Health Day?
  • What are some interesting facts about World Health Day?
  • History and Importance of World Health Day

When is World Health Day observed?

World Health Day is observed every year on the 7th of April. Coincidently, 7th of April also marks the founding of the World Health Organization (WHO). WHO was founded on 7th April, 1948.

World Health Day was first observed on the 7th of April, 1950, thereby making it one of the world’s oldest health initiative.

Why we celebrate World Health Day?

World Health Day is an initiative started by the WHO that highlights the importance and benefits of maintaining good health for all the peoples of the world. It is a health initiative by the WHO that educates, promotes, and advocates good health and lifestyle ideas and thinking. Here are the most important reasons why World Health Day is celebrated:

 

  • Promotes Health and Wellness: World Health Day has a yearly theme that talks about a particular pressing health issue globally. For instance, in 2023, World Health Day theme is “Health for All.” The “Health for All” theme talks about the promotion of equal healthcare services across regions and across geo-political and socio-economical states.
  • Educates People: World Health Day gives the WHO an important opportunity to educate the people on certain important health topics. Further, it is an important opportunity for the WHO to dispel myths and other inaccurate information and misconceptions.
  • Influencing Governments: The WHO through World Health Day, influences governments across the world to adopt certain standards of health that improve the health and wellbeing of people in their countries. They advocate for health policies that are later implemented by governments.
  • Quality Healthcare for Everyone: It is a fundamental goal of the WHO to ensure that quality healthcare is provided to everyone across the world. This agenda is pushed through the WHO World Health Day (WHD.)
  • Sustainable Development Goals (SDGs): World Health Day highlights and attempts to accomplish the Sustainable Development Goals (SDGs) of the United Nations (UN). What are UNs SDGs? UN SDGs are a UN blueprint that attempts to achieve a more sustainable and equitable world by the year 2030.

What are some interesting facts about World Health Day?

Now, you have a good idea about what the World Health Day is, but there are also certain little known interesting facts about World Health Day that we’re sure you were not aware of. Let’s check out some of the most interesting facts about World Health Day.

 

  • World Health Day was inspired by Canada’s Health Day.
  • World Health Day has a colour associated with it. It is associated with the colour blue, which signifies hope and awareness.
  • “Solidarity at 8 pm” is a program adopted by the WHO where people around the globe cheer for healthcare works at 8pm on World Health Day.
  • Free health snacks are generally distributed across the globe on World Health Day.
  • Every World Health Day is theme based. The list of themes across the years include “Safe Blood Starts with Me”, “Mental Health: Stop Exclusion, Dare to Care”, “Move for Health”, “Support Nurses and Midwives”, “Beat Diabetes” and beyond.

History and Importance of World Health Day

Let us now talk about the history and importance of World Health Day.

 

  • World Health Day was introduced on April 7th, 1950.
  • Every year since its incorporation, it follows a theme based approach where the most pressing health issues worldwide are talked about on World Health Day by incorporating them in a theme.
  • Some of the most important health issues incorporated into a World Health Day theme include themes about diabetes, HIV/AIDS, Malaria, Depression, Mental Health, and beyond.
  • In India alone, there have been various vaccination drives, blood donation drives, health exhibitions, health camps, school health programs, and more that are organized by the WHO on World Health Day.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Health

Top 11 Incredible Health Benefits of Black Carrots (Kaali Gajar)

black carrot benefits

Top 11 Incredible Health Benefits of Black Carrots (Kaali Gajar)

Black carrots, tucked away from the traditional orange and yellow hue, possess a dark allure that arises curiosity and entices taste buds.

Beyond their unique appearance, these healthy carrots offer a unique flavor and a plethora of health benefits. In this article, we will talk about the following:

 

  • What is a Black Carrot?  (Kaali Gajar)
  • Top 11 Health benefits of Black Carrots
  • Nutritional Profile of Black Carrots
  • Origin of Black Carrots
  • How to eat Black Carrots?
  • Black Carrot Recipes

What is a Black Carrot?

Black carrots are a unique variety of carrot that has a dark purple or black colour. The scientific name of black carrots is Daucus carota ssp. sativus var. atrorubens. The most unique and important characteristic of black carrots is that they are extremely rich sources of anthocyanins, which have powerful antioxidant properties. The high content of these anthocyanins present in black carrots is responsible for their black or dark purple colour.

They contain 20 times more anthocyanins as compared to traditional orange or yellow carrots. Anthocyanins, is a bioactive compound, that have been proven to provide many health benefits, like reducing oxidative stress and inflammation in the body. And also treat health conditions like cancer, mental disorders, and heart diseases.

 

Taste of a Black Carrot: Unlike traditional orange carrots, black carrots offer an extraordinary taste experience. These dark-hued carrots are known for their delightful sweetness, which is complemented by a gentle spiciness.

 

Top 11 Incredible Health benefits of Black Carrot

Below are the amazing health benefits offered by black carrots:

1.) Black Carrots are Rich in Antioxidants

Kaali Gajar is loaded with numerous antioxidants, mainly anthocyanins, which belong to a higher class of flavonoids. Anthocyanin, a potent antioxidant abundantly present in black carrots, have the ability to fight free radicals within the body.

These compounds also protect cells and tissues against oxidative stress. Anthocyanins also possess anti-inflammatory properties that drastically reduce inflammation within the body, preventing  heart diseases or chronic inflammation related diseases.

2.) Black Carrots Combat Cancer

Black carrots have polyphenols, a substance that is found in fruits, vegetables, and plants. These polyphenols contained in black carrots possess antioxidant properties that have cancer fighting capabilities. Polyphenols eliminate free radicals present within the body, preventing any cellular damage or cancer.

3.) Black Carrots aid in Weight Loss

Kaali Gajar is exceptionally high in fibre, that aids in effective weight loss. It contains insoluble fibre, which does not dissolve in water but adds bulk. This results in keeping you satiated and feeling fuller for longer periods of time. Including black carrots in your diet can be a good option if you are wanting to lose weight.

4.) They Promote Gut Health

As mentioned above, black carrots contain insoluble fibre that has prebiotic properties. This promotes the good bacteria in the gut, promoting nourishment and a healthy gut environment.

5.) Black Carrots Relieve Constipation

The high fibre content of black carrots promotes regular bowel movements. It also helps prevent constipation by adding bulk to the stool.

6.) Black Carrots Improve Eyesight

Black carrots are significantly loaded with beta-carotene, a potent compound that converts into vitamin A within the body. Vitamin A is responsible for a strong immune system, good eyesight, and improved eye health. Hence, it is advisable to consume black carrots in moderation for individuals suffering from any eye disorders.

7.) Black Carrots Control Blood Sugar Levels

According to studies, it has been found that black carrots are effective against type 2 diabetes. The phenolic compounds and high fibre content present are responsible for stabilising blood sugar levels within the body.

Along with phenolic compounds and fibre, they are also packed with beta-carotene, which helps improve insulin resistance. As a result, improving hyperglycemia conditions in patients. Despite their sweet taste, they can be an ideal choice for persons suffering from diabetes if eaten in moderation.

8.) It Improves Heart Health

Another major health benefit provided by this powerful vegetable is that it promotes improved heart function. Kali gajar is loaded with powerful compounds that promote healthy circulation and blood flow to the heart.

It also assists in eliminating the plaque accumulated within the arteries and veins for healthy blood flow. As a result, this helps lower blood cholesterol and blood pressure levels for overall well being. 

9.) It Improves Brain Function

According to studies, it has also been found that regular consumption of black carrots improves brain function. Black carrots are loaded with anthocyanins, which reduce oxidative stress and neuro inflammation.

It also protects the neurons against neuro toxicity. This greatly improves brain function and prevents neuro degenerative diseases like Parkinson’s, and dementia.

10.) It Treats Arthritis

Consuming black carrots on a daily basis has proven effective in aiding people suffering from rheumatoid arthritis. They are a powerhouse of flavanoids that possess antioxidants and anti inflammatory properties, which combat chronic illnesses in the body.

11.) Reduces Oxidative Stress

Black carrots are loaded with antioxidants that help reduce free radicals in the body that cause oxidative stress.

These free radicals damage healthy cells and cause inflammation within the body, resulting in diseases like cancer and so on. Hence, it is recommended to incorporate foods that are rich in antioxidants into your daily diet.

Nutritional Profile of Black Carrots

According to a source, every 100 grams of raw black carrot contains these nutrients.

Nutrients

Measurement

Carbohydrate

9.58 g

Fibre

2.8 g

Vitamin C

5.9 mg

Thiamine

0.066 mg

Riboflavin

0.058 mg

Energy

41 Kcal

Note: Keep in mind that the nutritional content may vary slightly depending on the variety, growing conditions, and preparation method of the black carrots.

How to eat Black Carrots?

You can eat black carrots the same way you eat regular carrots. They can be consumed raw, cooked, or squeezed into a fresh juice. Here are a few ways you can incorporate them into your diet:

 

  • Juice: Thoroughly wash them with clean water and simply grind them into a fine juice in the juicer. They can also be juiced along with other fruits and vegetables to make a nutrient packed health juice.
  • Cooked: You can cook, saute, roast, and steam kaali gajar just like any other vegetable or subzi.
  • Raw: Black carrots can also be eaten fresh. You can freshly grate them and add them to your salads, sandwiches, or wraps.

Black Carrot (Kaali Gajar) Recipes

Black Carrot Halwa

Method:

  • Step 1: Grate the black carrots and saute them in a pan.
  • Step 2: Add milk and cook it until soft.
  • Step 3: Add sugar and a pinch of elaichi powder.
  • Step 4: Add milkmaid to the mixture after its well cooked.
  • Step 5: Lightly saute cashews and pistachios in ghee and add them to the halwa.

Tasty black carrot halwa is ready in minutes for you to enjoy.

Ingredients:

  • 1 Kg black carrot
  • Sugar- 2 cups
  • Milk- 2 cups
  • Cardomom powder- 1 tbsp
  • Milkmaid
  • Ghee- 3 tbsp
  • Cashews and pista

Black Carrot Kanji

Method:

  • Step 1: Pour grated black carrot along with 4 cups of water, mustard seeds, salt, red chilli, hing into a ceramic jar and cover it with a muslin cloth tightly.
  • Step 2: Let the mixture ferment for 3- 4 days. Place the jar in a warm and dark space away from direct sunlight.
  • Step 3: The kanji will be ready after 3- 4 days. It should taste slightly tangy. You can add more salt or spices as per your preference.
  • Step 4: This kanji can be stored in the fridge for a week. It best to drink chilled kanji post meal for improved digestion.

Ingredients:

  • 2 black carrots
  • Water-4 cups
  • Mustard seeds- 2tbsp
  • Red chili powder- 2tbsp
  • Salt- 1 tbsp
  • A pinch of hing

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Finance and Tax

What are Guidance Notes on Tax Audits? (Important Guidance Notes)

What are Guidance Notes on Tax Audits (Important Guidance Notes)

What are Guidance Notes on Tax Audits? (Important Guidance Notes)

Guidance notes on tax audits are auditing instructions and guidelines furnished by the Institute of Chartered Accountants of India (ICAI). It is the role of ICAI to provide guidance and ensure uniformity to the auditing process in India. In an auditing journey, an auditor may have the question “What are the most important and recent guidance notes on tax audits?”

Let us answer this question at depth and give you a list of the most important guidance notes on tax audits in India.

 

  • Revised Guidance Note on Tax Audit (2022)
  • Guidance Note on the Companies – Auditor’s Report (2022)
  • Guidance Note on Audit of Consolidated Financial Statements (Revised 2016)
  • Guidance Note on Reports in Company Prospectuses (Revised 2019)
  • Guidance Note on Audit of Property, Plant and Equipment
  • Guidance Note on Audit of Cash and Bank Balances
  • Guidance Note on Audit of Debtors, Loans and Advances
  • Guidance Note on Audit of Expenses
  • Guidance Note on Audit of Revenue
  • Guidance Note on Audit of Banks (2022 Edition)
  • Guidance Note on Audit of Accounts of Members of Stock Exchanges (Revised)
  • Guidance Note on Audit of Companies Carrying on General Insurance Business
  • Guidance Note on Audit of Companies Carrying on Life Insurance Business
  • Guidance Note on Certification of XBRL Financial Statements

There are certain other guidance notes issued by the ICAI apart from the above mentioned guidance notes, a comprehensive list of all furnished guidance notes can be found here

Revised Guidance Note on Tax Audit (2022)

The first Guidance Note on Tax Audit was printed in 1985, followed by revised guidance notes in 1985, 1989, 1998, 1999, 2005, 2012, 2013, 2014, and latest in 2022. The Revised Guidance Note on Tax Audit (2022) is issued by The Publication Department of the Institute of Chartered Accountants of India (ICAI), and gives out instructions and recommendations for the auditing of income tax reports in India. It talks about the following aspects of I.T in India:

 

  • Accounting standards
  • Audit procedures
  • Types of financial statements
  • Auditors reports
  • Methods of accounting
  • Valuation of closing stock
  • Goods and Services Tax (GST) compliance
  • Useful websites

Check out the Guidance Note

Guidance Note on the Companies – Auditor’s Report (2020)

Guidance Note on the Companies – Auditor’s Report (2022) is issued by the Ministry of Corporate Affairs (MCA) that elucidate guidelines and instructions on the Auditing and Reporting functions of corporate entities in India. It talks extensively on instructions regarding auditing of Companies, One Person Companies, Private Limited Companies, and Public Companies. The topics covered are:

 

  • Standard Operating Procedure (SOP)
  • Relevant Provisions
  • Audit Procedures and Reporting
  • Benami Property Transactions
  • Relevant Acts
  • Accounting standard for property, plant and equipment
  • Books of accounts
  • Assets and liabilities
  • Valuation of inventories
  • Deposits and investments

Check out the Guidance Note

Guidance Note on Audit of Consolidated Financial Statements (Revised 2016)

The Auditing and Assurance Standards Board of the ICAI has issued Guidance Notes on Audit of Consolidated Financial Statements (Revised in 2016). This guidance note highlights and states instructions relating to the audit of consolidated financial statements of companies in India. Key aspects highlighted within this guidance note talk about the following:

 

  • Responsibility of the Auditor
  • Audit Considerations
  • Management Representations
  • Reporting

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Guidance Note on Reports in Company Prospectuses (Revised 2019)

This guidance note gives out instructions as to how company prospectuses need to be drafted in accordance to certain standards and expectations. The guidance note talks about the following:

 

  • Eligibility to Make the prospectus reports
  • Legal Aspects
  • Reporting fees
  • Government rights and powers
  • Accounting and auditing aspects
  • Reporting standards

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Guidance Note on Audit of Property, Plant and Equipment

Guidance Note on Audit of Property, Plant and Equipment talks about auditing and reporting pertaining to property, plant, and equipment of companies. Subjects covered include:

 

  • Inherent risks
  • Opening balances
  • Record verification
  • How to calculate valuation of PPE
  • Ownership of PPE
  • Calculation of depreciation
  • PPE Revaluation

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Guidance Note on Audit of Cash and Bank Balances

A corporation or entity will most certainly have a lot of their assets in the form of cash and bank balances. The Guidance Note on Audit of Cash and Bank Balances lay down the rules and regulations on how to audit cash and bank balances. Topics covered include:

 

  • Verification of Bank Balance
  • Examination of Valuation
  • Verification of Cash Balances

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Guidance Note on Audit of Debtors, Loans and Advances

This guidance note issued by the Auditing Practices Committee (APC) of the Council of the Institute of Chartered Accountants of India lay down the framework, regulations, and guidelines for the Audit of Debtors, Loans and Advances of an entity. Topics covered include:

 

  • Examination of Records
  • Direct Confirmation Procedure
  • Verification and Internal Control Evaluation
  • Documentation
  • Management Representations

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Guidance Note on Audit of Expenses

Every business venture has certain expenses. It is the role of the APC to clearly outline the various guidelines and recommendations on how a business entity needs to calculate and format its audit of business expenses. Topics mentioned under this guideline include:

 

  • Goods and Raw Materials Consumed
  • Purchases and Purchase Returns
  • Salaries and Wages
  • Retirement Benefits
  • General Administrative Expenses
  • Interest expenses
  • Repairs and Maintenance
  • R&D Expenses
  • Contingency expenses

Check out the Guidance Note

Guidance Note on Audit of Revenue

A corporate entity’s most important function is to make a profit while generating revenue. The calculation and formatting of revenue reports need to follow a certain standard format. This format and related guidelines are mentioned under the Guidance Note on Audit of Revenue, which talk about the following:

 

  • Examination of Records
  • DisclosuresProcedures of reporting
    Special Con
  • siderations
  • Documentation

Check out the Guidance Note

Guidance Note on Audit of Banks (2022 Edition)

Banks operating in India need to follow a specific auditing format and guidelines issued under the Guidance Note on Audit of Banks. Important aspects highlighted under this guidance note include:

 

  • Balance sheet format and preparation
  • Books and Records
  • Borrowings and Deposits
  • P&L Account
  • Handling of Cash
  • Personal Banking Department
  • Retail Banking and Marketing Department
  • International Banking Division
  • Treasury Operations
  • Loan Syndication
  • Credit Recovery Department
  • Law Department
  • Business Department
  • Consolidation of LFARs
  • Overview of Standards on Auditing

Check out the Guidance Note

Guidance Note on Audit of Accounts of Members of Stock Exchanges (Revised)

Guidance Note on Audit of Accounts of Members of Stock Exchanges talks about the format and guidelines pertaining to the audit of accounts of members of stock exchanges. Topics covered are:

 

  • Accounting for Stock Exchange Transactions
  • Rolling Settlements
  • Derivatives
  • Accounting and Audit of Derivatives
  • Apart from the above, the guidance note also talks about a variety of other topics.

Check out the Guidance Note

Guidance Note on Audit of Companies Carrying on General Insurance Business

This guidance note is specific to the general insurance sector of India. General insurance companies need to adhere to the guidelines mentioned within this guidance note while formulating their reports. Topics covered include:

 

  • Principles of insurance
  • Accounting system and framework
  • Internal controls
  • Audit at branches / divisional offices
  • Audit at head office
  • Investments
  • Reinsurance guidelines

Check out the Guidance Note

Guidance Note on Audit of Companies Carrying on Life Insurance Business

This guidance note is specific to the life insurance sector of India. Life insurance companies need to adhere to the guidelines mentioned within this guidance note while formulating their reports.

 

  • Principles of life insurance
  • Accounting system and framework
  • Audit at branches / divisional offices
  • Audit at head office
  • Handling investments
  • Internal controls

Check out the Guidance Note

Guidance Note on Certification of XBRL Financial Statements

Guidance Note on Certification of XBRL Financial Statements is a 78 page document issued by the Auditing and Assurance Standards Board of the ICAI. This guidance note furnishes guidelines for the communication of financial information electronically through XBRL. Topics covered include:

 

  • Requirements for XBRL statements in India
  • Preparation of XBRL statements
  • Format of XBRL Financial Statements
  • Management Responsibility

Check out the Guidance Note

Apart from the above most important guidance notes on tax audits, there are also a few more guidance notes issued by the ICAI. You can check out all of the issued guidance notes for tax audits in India.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Health

Best Foods to eat in Jaundice (Jaundice Diet Chart)

Best Foods to eat in Jaundice (Jaundice Diet Chart)

We will talk about the Best Foods to eat while undergoing Jaundice treatment (along with a Jaundice Diet Chart). Along with giving you a jaundice diet chart that you can follow to create delicious breakfast, lunch, and dinner meals, it is also important to know a few important aspects of jaundice and how the food we consume can aid during jaundice recovery. We will talk about the following:

  • What is jaundice?
  • What types of food to eat and avoid in jaundice?
  • Jaundice Diet Chart (From Sunday to Monday)

What is jaundice?

Jaundice is a condition of the liver. A healthy liver processes a pigment called bilirubin. Bilirubin is a yellow colored pigment that is produced when red blood cells are broken down. A healthy liver is capable of processing bilirubin and later discards it through the body’s digestive system.

If a person has a condition of the liver, the liver is unable to process this yellow colored bilirubin pigment effectively, and it builds up in the body, thereby causing a person’s skin, eyes, nails, and other body parts to turn slightly yellow.

The general causes of jaundice include liver damage caused by alcohol consumption, hepatitis, gallstones, and other liver related diseases.

What types of food to eat and avoid in jaundice?

As jaundice is a condition of the liver, it is imperative that we do not overload the liver by consuming heavy, processed, and unhealthy foods. We need to give the liver time and opportunity to heal itself by nourishing it with liver healthy foods. These are some of the foods that we can eat and avoid in jaundice.

Foods to eat in jaundice

  • Water (stay hydrated)
  • Fruits and vegetables
  • Nuts and legumes
  • Lean proteins
  • Coffee and tea

Foods to avoid in jaundice

  • Deep-fried foods
  • Ultra-processed foods
  • Alcohol
  • Sugar
  • Sodium
  • Unhealthy fats

Jaundice Diet Chart (Breakfast, Lunch, and Dinner)

Refer to this jaundice diet chat that gives you healthy and scrumptious breakfast, lunch, and dinner ideas for perfect jaundice recovery. Remember, always be sure to consult your doctor before beginning any diet program.

Monday:

  • Breakfast: Quinoa porridge cooked with almond milk, topped with sliced fruits (such as apples and pomegranate) and a sprinkle of cinnamon.
  • Lunch: Moong dal khichdi (rice and lentil dish) made with brown rice, moong dal, and a variety of vegetables like carrots, peas, and spinach.
  • Dinner: Grilled chicken breast marinated in a blend of yogurt, turmeric, and ginger-garlic paste, served with sautéed broccoli and quinoa.
Quinoa is an excellent source of protein

Tuesday:

  • Breakfast: Masala omelette made with egg whites, filled with diced bell peppers, onions, and a hint of turmeric and chili powder. Served with whole wheat toast and a side of mixed sprouts salad.
  • Lunch: Rajma (kidney bean) curry with brown rice and a side of mixed vegetable salad.
  • Dinner: Vegetable curry prepared with a combination of cauliflower, bell peppers, green beans, and tomatoes, served with quinoa pulao and a side of cucumber raita.
Rajma is known to improve fatty liver

Wednesday:

  • Breakfast: Buckwheat pancakes topped with fresh berries (such as strawberries and blueberries) and a drizzle of honey, accompanied by a glass of freshly squeezed orange juice.
  • Lunch: Lentil soup (dal) made with masoor dal (red lentils) and tempered with cumin seeds, served with a side of steamed asparagus and a small portion of quinoa.
  • Dinner: Tandoori tofu skewers marinated in a blend of yogurt, turmeric, cumin, and paprika, accompanied by a side of roasted sweet potatoes and a mixed green salad.
Daal is an excellent source of amino acids that are required for the regeneration of the liver.

Thursday:

  • Breakfast: Ragi (finger millet) porridge cooked with coconut milk and flavored with cardamom and a pinch of jaggery. Served with a handful of mixed nuts.
  • Lunch: Spinach (palak) soup made with fresh spinach leaves, seasoned with garlic and black pepper. Served with whole wheat bread and a side of cucumber-carrot salad.
  • Dinner: Vegetable biryani (fragrant rice dish with mixed vegetables) with cucumber raita.
Spinach is known to be liver healthy

Friday:

  • Breakfast: Vegetable uttapam (savory pancake) made with a batter of fermented rice and lentils, topped with finely chopped onions, tomatoes, and green chilies. Served with coconut chutney and a side of fresh fruit salad.
  • Lunch: Quinoa salad with a mix of colorful vegetables (such as bell peppers, cherry tomatoes, and corn) and a lemon-tahini dressing.
  • Dinner: Chicken stir-fry with a medley of vegetables (like broccoli, snow peas, and carrots) in a light soy-ginger sauce, served with cauliflower rice.

Saturday:

  • Breakfast: Daliya (cracked wheat) cooked with milk, flavored with cardamom and a pinch of saffron. Topped with sliced almonds and raisins.
  • Lunch: Chickpea (chana) curry cooked in a tangy tomato-based sauce, served with whole wheat naan and a side of cucumber raita.
  • Dinner: Grilled paneer tikka skewers marinated in a blend of yogurt, turmeric, and garam masala, served with a side of mint-coriander chutney and a quinoa pilaf.
paneer
Paneer is a good source of protein.

Sunday:

  • Breakfast: Aloo (potato) paratha with plain yogurt and a side of mango pickle. Lunch: Punjabi-style kadhi (yogurt-based curry) with steamed rice and a side of mixed vegetable salad. You can also experiment with green parathas made with methi.
  • Lunch: Moong dal khichdi made with brown rice, moong dal, and a variety of vegetables like carrots, peas, and spinach.
  • Dinner: Palak paneer (spinach and cottage cheese curry) with roti or whole wheat naan and a side of cucumber raita.
green paratha
A Green Paratha

Points to remember:

  • Always consult your doctor before embarking or beginning a diet.
  • Use as less masala and oil as possible.
  • Do not consume deep fried foods
  • Keep the fats at a minimum.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Top 12 Important Health Benefits of Using a Health Faucet

health faucet

Top 12 Important Health Benefits of using a Health Faucet

Health faucet is an innovative and dynamic bathroom fixture that has gained tremendous popularity in many countries with its enhanced sanitation practices. It has emerged as a revolutionary catalyst, redefining the way we approach cleanliness in our personal sanctuary, our bathrooms.

In this article, we will talk about the following:

 

  • What is a Health Faucet?
  • How to use a Health Faucet?
  • 12 Incredible benefits of using Health Faucets
  • History and Evolution of Health Faucets
  • Emergence of Health Faucets in India

What is a Health Faucet?

A health faucet, also commonly referred to as jet sprays or bidets, is a bathroom fixture used for personal hygienic reasons. The main purpose of a health faucet is to clean the genital areas after defecating and urinating.

It is hand held device attached to a nozzle connected to the water supply to wash the toilet after each use.

health faucet
Check out the best health faucets on Amazon

Best Health Faucets on Amazon

How to use a Health Faucet?

You can simply holding the spray head and gently directing the flow of water towards your intimate areas to clean them. It is extremely easy and flexible to use, allowing you to navigate the flow of water in whichever direction you want for cleansing needs.

12 Incredible Benefits of Using Health Faucets

  1. Enhanced Personal Hygiene: Health faucets provide superior hygiene as compared to other traditional methods like using toilet paper. The gentle supply of water effectively rinses and cleanses the intimate areas, offering a refreshing experience. While also reducing the chances or risks of any infections.
  2. Enhanced Feminine Hygiene: It could be a ideal bathroom cleaning equipment for women as they provide a thorough and gentle cleansing experience. Ensuring cleanliness and safety from any kind of infection, particularly during menstruation.
  3. Assistance for Disabled or Elderly Persons: It could be an incredible hygienic solution for elderly persons suffering from any disability or morbid condition. Its hand held design and adjustable water pressure allow ease of use for such individuals.
  4. Postpartum Care: As health faucets provide a gentle and safe way to clean the intimate areas after childbirth, being extremely helpful for women during their postpartum period. It’s also beneficial for persons with certain conditions like piles, haemorrhoids, and other anorectal disorders.
  5. UTI Prevention: The thorough cleansing helps in maintaining proper hygiene, reducing the chances of urinary tract infections (UTI) in individuals.
  6. Menopause Comfort: Often, women who experience menopause suffer from irritation and dryness. This can be countered with the help of a health faucet, which can alleviate and soothe discomfort in the intimate area.
  7. Convenient during Periods: Health faucets offer comfort and ease during menstrual periods. As they offer an efficient and quick cleaning solution, providing a sense of freshness and comfort.
  8. Versatile Option: Health faucets offer versatile and multipurpose cleaning solutions. Not only can they be used for personal hygiene but also for other purposes like cleaning the bathroom floor, washing cloths, and even bathing your furry friends.
  9. Highly Economical: Over the course of time, using toilet paper after each toilet use can be expensive. Hence, in the long run, installing a health faucet turns out to be a highly economical and convenient solution.
  10. Easy Installation: The installation process of health faucets is extremely easy and convenient. You can install them yourself or ask your local plumber to do it at a nominal cost.
  11. Enhanced Confidence: The thorough cleansing provided by health faucets can enhance your overall confidence and sense of well being. Feeling clean and fresh always contributes to a positive self image and keeps you mentally positive.
  12. Eco Friendly Choice: You can significantly reduce the dependence on toilet paper that leads to paper waste. This environmentally friendly choice of yours can save hundreds of trees from being cut down every year, contributing to sustainability and conservation efforts.
health faucet
Check out the best health faucets on Amazon

Best Health Faucets on Amazon

History and Evolution of Health Faucets

Now, let us take you back in time and give you some insights on how this versatile hygienic tool was created.

Health faucet, or Bidet shower, was invented in the early 17th century in France. It soon gained popularity and became a novelty household item among European nobility and upper-class households.

Earlier, they were made of porcelain and were standalone fixtures separate from toilets, resembling small basins. As plumbing technology advanced significantly over the years, bidets have been integrated into toilet fixtures, leading to the development of combined bidet-toilet units.

Over time, health faucets have undergone drastic advancements in design, functionality, and manufacturing. Health faucets are widely used today in Europe, the Middle East, and Asian countries like India and China.

According to a leading newspaper report, this hygienic tool is finally gaining mass popularity in western countries like Canada and America. Post COVID-19 pandemic, the demand for health faucets has drastically surged, leading to staggering sales of one million dollars per day in America.

This figure represents a tenfold increase compared to sales levels before the pandemic. This indicates the growing recognition and adoption of health faucets for enhanced hygiene practices.

Emergence of Health Faucets in India

Health faucets gradually gained popularity in Indian households and public spots like restaurants, hospitals, etc, during the 1990s and 2000s. Before this, Indians used the traditional method of practising toilet hygiene with the help of a mug and bucket filled with water.

Over the years, this handy device has become a popular bathroom fixture in Indian households because of it’s convenient and hygienic methods of cleansing.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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17 Healthy Dry Fruits (With Names) and their incredible benefits

healthy dry fruits names

17 Healthy Dry Fruits (With Names) and their incredible benefits

Here is a list of 17 healthy dry fruits and their names. Incorporating them into your diet could be a key to optimal health and well-being. From the luscious sweetness of dates to the vibrant crunch of almonds, we will talk about it all. We will also talk about the incredible health benefits they offer.

 

  1. Almonds
  2. Walnuts
  3. Cashews
  4. Dates
  5. Pistachio nuts
  6. Dried Apricots
  7. Dried Figs
  8. Hazelnuts
  9. Prunes
  10. Raisin
  11. Goji Berries
  12. Blue Berries
  13. Pine Nuts
  14. Dried Peach
  15. Dried Pears
  16. Dried Pineapple
  17. Dried Kiwi
  18. Dried Mango (Bonus)

1.) Almonds (Badam)

Almonds are one of the most popular dry fruits in India that don’t need much introduction.
This low calorie dry fruit is loaded with healthy fats, antioxidants, protein, and other essential nutrients.

Eating almonds regularly can provide you with numerous health benefits, like stabilizing blood sugar levels, regulating blood pressure, aiding in weight loss, and much more.

It is highly advisable to soak this super food in water overnight and have it in the morning on an empty stomach for proper absorption of its nutrients.

Benefits:

  • Almonds have proven to lower bad cholesterol levels (LDL) in the body, lowering the risk of cardiovascular diseases. 
  • Magnesium rich content in almonds is said to regulate and stabilise blood pressure levels within the body.
  • Almonds are a rich source of vitamin E, which reduces factors like oxidative stress and inflammation within the body. 
  • Almonds have good amounts of fibre, which aids in effective weight loss.
  • Regular consumption of almonds has proven to give glowing skin, healthy hair, and also improve eye sight.
  • Nutrients like riboflavin and L-carnitine contained in almonds boost optimal brain health and functioning.
Solimo alonds
Almonds are a fantastic source of Magnesium, that stabilizes blood pressure.

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2.) Walnuts (Akharot)

Walnuts, famously known as brain food because of their nourishing properties, which improve brain function. It has been proven that regular consumption of walnuts significantly improves brain and cognitive function

Regular intake of walnuts is highly advisable, especially for persons suffering from neurological disorders like dementia, Parkinson’s, or Alzheimer’s.

Benefits:

happilo kashmiri walnuts 1 kg
Kashmiri Walnuts are considered to be the ultimate superfood for brain health.

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3.) Cashew Nuts (Kaju) 

Another popular dry fruit that is found in every Indian household is cashews. Contrary to popular belief, cashews are rich in unsaturated fats that lower the risk of cardiovascular diseases.

Cashews are also rich in copper, magnesium, fibre, protein, and other essential nutrients that benefit overall health and well being. You can eat small servings of cashew nuts to fulfil your daily requirement of protein and healthy fats.

Benefits:

Tata Sampann 1kg Cashew
Cashews are rich in healthy fats that are great for heart health.

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4.) Dates (Khajoor) 

Dates are extremely nutritious and nourishing because of their high fibre content, which keeps you satiated for longer periods. Its health benefits are almost endless owing to its powerful composition of macro nutrients.

Although dates have a low glycemic index, it is always recommended for diabetic individuals to consult with doctors or health experts before consuming them.

Benefits:

  • As dates are a rich source of fibre, they can aid in effective weight management.
  • Phenolic compounds found in dates have proven to improve brain health and prevent neurological disorders like Parkinson’s, and dementia. 
  • As per a report, dates are loaded with numerous potent antioxidants that reduce the level of inflammation in the body, reducing the risk of cancer.
  • Dates can also help regulate blood pressure levels and promote heart health.
Queen Kalmi Dates 1kg
Kalmi Dates are a rich source of fiber.

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5.) Pistachio nuts (Pista)

This crunchy and wholesome dry fruit is ideal for frequent snacking owing to its low calories and high fibre content. From weight loss to giving you glowing skin, the health benefits offered by pistachios are numerous.

If you are someone who frequently snacks during the day, substituting junk food with pistas could be a healthier alternative.

Benefits:

  • Pistachios are rich in compounds like B vitamins, γ-tocopherol, polyphenols, and dietary fibre, that could reduce the risk of cancer.
  • They Improve your eye sight as they are rich in powerful antioxidants like zeaxanthin and lutein.
  • Pistas are a rich source of fibre that aids in digestion, improving overall gut health.
  • They are loaded with vitamin B6, which boosts brain function.
  • Pistachios are a rich source of vitamin E, which helps reduce bad cholesterol levels and improve heart health.
Nutraj Iranian Pistachios
Iranian Pistachios are rich in protein and fibre.

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6.) Dried Apricots (Khumani) 

Dried apricots, also known as Khumani, are a yellow, sweet, and juicy dried fruit that is rich in nutritional value. Apricots are mostly known for being rich in nutrients like vitamin A, vitamin E, and vitamin C. It is recommended to eat 4-5 apricots per day for health benefits.

Benefits:

Fruitri Turkish Apricots 1 kg
Turkish Apricots boosts immunity.

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7.) Dried Figs (Anjeer)

Dried figs, also popularly known as Anjeer, are loaded with dietary fibre, which is extremely beneficial for digestive health. Figs are also a natural source of calcium and phosphorus, which play a key role in improving muscular and bone health.

As they are high on the glycemic index, they should be avoided by people suffering from diabetes.

Benefits:

  • Figs act as a natural laxative due to their fibre rich profile, providing relief from constipation.
  • Figs are loaded with potent antioxidants like phenols that prevent the growth of cancerous cells in the body.
  • The right balance of sodium and potassium in figs helps control blood pressure levels within the body.
  • They are packed with calcium and phosphorus that aid in muscle and bone growth.
Kitchen Jungle Figs 1 kg
Figs are a rich source of fibre.

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8.) Hazelnuts

Hazelnuts are a rich source of healthy fatty acids like omega 3 and omega 6, which are beneficial for cardiovascular health. This exotic dry fruit has proven to offer numerous benefits, like improving heart function, reducing cancer, and so on.

Hazelnuts are packed with nutrients like vitamin E, magnesium, copper, zinc, potassium, folate, etc.

Benefits:

Bliss of Earth Turkish Hazelnuts 1 Kg
Hazelnuts are rich in antioxidant properties

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9.) Prunes

Dried plums, commonly known as prunes, are a source of nutritional goodness. They are mostly consumed because of the digestive benefits they offer. Prunes are also loaded with prebiotic properties that promote good bacteria in the gut.

If you are suffering from constipation, consuming prunes can be greatly beneficial for you, as they act as a natural laxative.

Benefits:

Rostaa Gourmet Prunes 1 Kg
Prunes are rich in fibre and prebiotic properties.

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10.) Raisin (Kishmish)

Raisins, popularly known as kishmish, are a rich source of calcium, potassium, fibre, and iron to provide you with the nutrients that your body needs. Kishmish is widely used in the preparation of sweets, health snacks, and so on.

If you want an instant boost of energy during the day, raisins could be an ideal healthy choice.

Benefits:

  • Raisins are rich in fibre, which aids in digestion and acts as a natural laxative.
  • Contains powerful compounds like beta-caratone, which helps improve eyesight.
  • Loaded with essential nutrients like vitamins and minerals that strengthen the immune system.
  • Raisins contain a chemical compound called boron, which prevents tooth decay and may prevent cavities.
  • Raisins also contain a compound called arginine, which may help cure erectile dysfunction in men.
Nutri Organics Raisins 1 Kg
Raisins are rich in minerals and vitamins.

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11.) Dried Goji Berries

Goji berries are tiny red berries that are packed with numerous medicinal properties and antioxidants.
From supporting the immune system to boosting collagen in the skin, its benefits are multiple.

As per reports, it was found that drinking goji berry juice could improve digestive health, energy, and mood

Benefits:

  • Goji berries contain physalin, which has been proven to destroy cancer cells
  • Rich in fibre, which helps you feel satiated for a longer duration and can also aid in weight loss.
  • Goji berries are exceptionally rich in zeaxanthin, an antioxidant known for improving vision related issues.
  • Regular consumption of goji berries has improved fertility and increased testosterone levels in men.
  • Goji berries are also used in traditional Chinese medicine to cure depression and mood disorders.
Sorich Organics Goji Berries 600 Gm
Goji Berries are a rich of dietary fibre.

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12.) Dried Blueberries 

Blueberries are vibrant blue in colour and loaded with powerful flavanoids like anthocyanins, which have the most potent anti-inflammatory and antioxidant properties. These powerful compounds found in blueberries have been found to protect against DNA damage and cardiovascular diseases

Benefits:

  • Improves brain health and cognitive function.
  • Protects against cancer and related symptoms.
  • High in antioxidants that strengthen the immune system.
Rostaa Gourmet Blueberries 1 Kg
Blueberries are great for heart and brain health.

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13.) Pine Nuts (Chilgoza)

Pine nuts, or chilgoza, are rich in omega 3, magnesium, iron, zinc, and other essential nutrients. You can eat them roasted as a part of your daily snacks, substitute them for junk food, or add them as toppings on healthy dishes.

Benefits:

  • Helps stabilise blood sugar levels and control diabetes.
  • Aids in effective weight loss.
  • Regular consumption of pine nuts is extremely beneficial for the heart.
Purani Dilli Se Pine Nuts 200 Gms
Pine nuts are great for skin health.

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14.) Dried Peach 

Dried peach are not only sweet and juicy in taste but also full of important nutrients that are very good for the body. They contain essential nutrients like fibre, vitamins A, B, C, and K, as well as minerals like copper, magnesium, iron, and phosphorus.

As they are high in sugars it is advisable to be avoided by persons suffering from diabetes.

Benefits:

  • Packed with iron, it helps increase haemoglobin levels in the body.
  • A good source of vitamins A and B that strengthen immunity
Grocery House Dried Peach 900 Gms
Dried Peach are a great source of minerals and fibre.

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15.) Dried Pears

Dried pears are one of the most popular dried fruits on the market, as they are not only tasty but also very healthy. This popular dried fruit is rich in fibre, potassium, and sodium. Dried pear has been used in traditional medicine as one of the best herbs in the fight against cough, especially for children.

Benefits:

  • Loaded with fibre that aids in maintaining a healthy body weight.
  • Effective remedy against respiratory diseases like colds, coughs, etc.
  • Effective in preventing high blood pressure.
Vale Of Kashmir Dry Pears 1 Kg
Kashmiri Dried Pears are effective against respiratory disorders.

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16.) Dried Pineapple

Dried pineapples are a rich source of manganese, fibre, calcium, and essential vitamins like A, B, and C. However, they are high in sugar, so it is advisable to limit their consumption by individuals suffering from diabetes.

Benefits:

  • Regularly eating pineapples boosts collagen production in the skin.
  • It is loaded with vitamin C, it helps clear acne.
  • Improves blood sugar levels and hypertension.
  • It is packed with anti inflammatory properties that cure respiratory disorders.
SFT Dried Pineapple 1 Kg
Dried Pineapple boosts immunity and heart health.

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17.) Dried Kiwi

Dried kiwi has a high nutritional profile and low caloric content. It’s packed with antioxidants and anti-cancer properties, which reduce the chance of getting cancer. Regular consumption of this dried fruit is also beneficial to combat stress and depression.

Benefits:

  • Kiwis are low in calories, which makes them a healthier alternative to many snacks.
  • Packed with copper, which retains the natural colour of the hair and prevents premature hair blanching.
  • Loaded with vitamin C that improves respiratory disorders.
SFT Dried Kiwi 1 Kg
Dried Kiwi are loaded with vitamin C

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18.) Dried Mango (Bonus)

Last but not least, mangoes in dried form are even more nutritious and loaded with multiple health benefits, making them the perfect snack for any time of day.

Benefits:

  • Dried mangoes are a good source of fibre, which may help regulate blood sugar levels.
  • Vitamin A in dried mango can help promote healthy skin.
  • Dried mango is rich in antioxidants and fibre that improve overall health and well being.
Dry Fruit Wala Dried Mango 1 Kg
Dried Mango are full of antioxidants and vitamins.

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Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Star Health Insurance

What is Star Health SM Portal? (Star Virtual Office)

What is Star Health SM Portal? (Star Virtual Office)

Star Health SM Portal (Star Virtual Office) is an online portal for Star Health Insurance agents where they can do a variety of health insurance related activities like creating insurance policies for customers, generating reports, contact support, understand health insurance policies, and more. Star Health Virtual Office or Star Health SM Portal is also known as Star Atom 2.0.

Let us take a deeper look the features and benefits of Star Health Virtual Office below.

  • How to login to Star Health Virtual Office?
  • Features and Benefits of Star Health Virtual Office

How to login to Star Health Virtual Office?

Logging into the Star Health Virtual Office platform is rather straightforward. You can either login directly from here. or you can search for “Star Health Virtual Office” on your preferred search engine and navigate to the official website.

Star Health SM portal register and login page
Star Health SM portal register and login page

If you are new to the portal, you will first have to register with the portal. You can visit the above link and click on the “Sign Up” button on the bottom of the page to register yourself on the SM portal.

You can also directly download the Star Health Atom 2.0 mobile app from the Android Play Store.

Features and Benefits of Star Health Virtual Office

  • Recommend insurance policies: You can recommend and create health insurance policies from directly within the Virtual Office platform. You will have the option to either chose an individual health insurance policy or a floater health insurance policy. You will also be in a position to select the coverage amount for your customer.
star health sm portal policy selector
Star Health SM Portal Policy Selector
  • Create payment links: You can create payment links directly from the portal. You can also send the payment links to your customers directly to their phone numbers from the portal itself.
  • Manage renewals: You can check your upcoming policy renewals directly through the Virtual Office portal.
  • Access reports: Advanced reports that mention gross and net sales amount, sales, renewal rates, and more can be accessed from the portal. You can also check your monthly earnings from the dashboard itself.
star health virtual office reports section
Star Health Virtual Office Reports Section
  • Manage leads: There is a designated section within the portal that helps you manage your prospective customers or leads. This tool is designed to increase the conversion rate of your sales and turn leads into policyholders.
  • Claims management: You can be on top of all of the claims made by your policyholders through the claims management section. Here, you can find out if a policyholder’s claim is stuck anywhere and what you can do the make the claim progress further.
star health virtual office dashboard
Star Health Virtual Office Dashboard

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Health

Top 10 healthy and Easy to Make Snack Options for Kids

healthy snacks for kids

Top 10 healthy and Easy to Make Snack Options for Kids

Here’s a list of 10 healthy, quick, and easy snack options for kids that satisfy the cravings of your little ones while keeping them healthy. Hence, we have carefully laid out unique and innovative healthy snack choices for your little ones while keeping in mind the importance of essential nutrients for their growing bodies.

 

  1. Mini Veggie Uttapams

  2. Moong Dal Dhokla

  3. Baked Veggie Cutlets

  4. Mixed Sprouts Baked Samosa

  5. Paneer Sesame Balls

  6. Oats Egg Omelette

  7. Broccoli Paratha

  8. Roasted Peanut Poha

  9. Oats Bhel

  10. Ragi Upma

Mini Veggie Uttapams

The first choice on our list is mini veggie uttapams. As you are aware, uttapam is a highly nutritious dish that can keep your child full and energetic throughout the day. This healthy South Indian dish is made from fermented lentils or rice batter and is served with coconut chutney, or sambhar.

The pulses or lentils used in the batter will provide an adequate amount of protein and carbohydrates for the child’s meal. Topped with healthy vegetables, this dish will also provide fiber in your child’s diet.

 

Check out the recipe

dosa
A dosa coupled with eggs is ought to be a protein-packed meal

Moong Dal Dhokla

The next snack choice for kids is moong dal dhokla. Dhokla is a famous, healthy Gujrati dish that is steamed during its preparation. Let us make it more healthy by preparing the dhokla batter from moong dal instead of following the conventional recipe. Moong dal is a rich source of zinc, iron, protein, and folic acid, making it a super healthy choice for kids and adults.

Furthermore, adding a dash of vegetables to the batter will increase the fiber content of the dish,  increasing its nutritional value. You can serve the fresh moong dal dhoklas with mint chutney on the side.

 

Check out the recipe

dhokla

Baked Veggie Cutlets

Vegetable cutlets are almost everyone’s favorite. A tasty vegetable cutlet, when baked and not deep fried, can be a healthy option for your child. Loaded with vegetables like peas, potatoes, carrots, and French beans, will be a nutritious and satisfying snack choice your child will most definitely enjoy. Serve the hot cutlets with a slice of brown bread and a mint chutney on side.

 

Check out the recipe

cutlet

Mixed Sprouts Baked Samosa

As we all know, samosas are everyone’s all time favourite snack, be it for children or adults. The nutritious stuffing of mixed sprouts like moong, kaala chana, matki, etc. will add sufficient dietary nutrition to the children’s meal.

Mixed sprouts are loaded with essential nutrients like vitamin K, vitamin E, and the B complex and are also a rich source of fiber. Serve the fresh samosas to your kids immediately because, as they are baked, the dish may tend to get dry after a while.

 

Check out the recipe

baked samosa

Paneer Sesame Balls

This super rich protein snack can be a great hit among kids and adults. Paneer and sesame seeds both contain high levels of protein and calcium, which are extremely important for bone growth and enhanced muscle mass.

Paneer also contains essential fatty acids that promote metabolism and aid in overall health. This snack is extremely recommended for children who partake in daily physical activities or sports. Serve this snack with a side of tangy tomato or mint chutney to give it that extra zest.

Check out the recipe

sesame-balls

Oats Egg Omelette

Oats Egg Omelette is another protein rich dish that can be made in a jiffy. Eggs are a great source of protein, that will give your child tremendous energy and keep them satiated for longer periods of time. By adding oatmeal to the omelette, you will further increase its nutritional value. As oats contain nutrients like fiber, vitamin B complex, etc. It is an ideal snack option for breakfast and can also be eaten during dinner or breakfast.

 

Check out the recipe

omlette

Broccoli Paratha

Parathas hold a special place in Indian households and are often the go to snack choice for mothers when it comes to their children. Let us increase the nutritional value of this snack by adding healthy broccoli to its filling. Brocolli is a rich source of antioxidants like vitamin C, which helps protect against harmful infections and strengthen the immune system. It is also loaded with fibre, keeping you satisfied for longer.

Serve this an evening snack or you can also give it to your children in school tiffin.

 

Check out the recipe 

green paratha

Roasted Peanut Poha

Poha is another popular snack in every Indian household and can be made in a matter of minutes. Roasted peanut poha is an ideal evening snack option that will offer adequate energy to the kids.

Poha is a great source of iron and carbohydrates that will keep your children’s energy levels up all day. By adding peanuts to the recipe, we have added protein and good fats to the dish. Making it a perfect, well balanced snack for your little loved ones.

 

Check out the recipe

poha
Poha and umpa is a low calorie breakfast options

Oats Bhel

If you are looking for the perfect evening time snack for yourself or your kids, oatmeal bhel could be an ideal choice. This simple dish can be made instantly by lightly sauteing the oatmeal in a pan and adding some freshly chopped onions, chilli, peanuts, etc and mixing them together.

Check out the recipe

Ragi Upma

Ragi upma is a healthier alternative as compared to regular semolina upma, as it has a higher nutritional value. Ragi is high in protein, iron, and vitamin B and is also gluten free, making it an absolutely healthy choice among kids and adults. It is best to serve ragi upma immediately, or else the upma may turn a little lumpy after some time.

Check out the recipe

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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