Expectation in 2015 : A review of 2014 outcome :Technically,Financially,Utility,Government Plan,Policy

Year 2015 is now only a few hours away. In the New Year at the level of utility and technology are going to be many changes. Many new things are coming. They ease the difficulties of our life. Initiatives to reduce the discomfort and make life simpler is always ongoing process. Here I have tried to summarized some of happening of 2014 then will some way down the line help common people.Some of expectation may or may not get complete.

1) GAS connection

Until now it was: If you had to surrender the city replaced the old agency cylinder. Transfer voucher was made. He would give other city agency. There cylinder was again allotted.

Now it would be if the company is the same, the city does not need to change Haegi transfer. Empty cylinder will give new cylinder. 5 kg cylinder distributor get shorty. The larger cylinder should not be able to take the year 36 Shorty cylinder.

2) LED Bulb in Rs 10

The central government to control electricity demand in the Goverment will provide  Rs 400 LED  in just Rs 10

This project will get started in 37 million households in the three districts of Andhra Pradesh . Together with the center and state governments buy these bulbs give them to the public at subsidized prices

3) Smart Gadgets

– Intel is working on a laptop to wireless charging.
– 3D camera will come with a creative desktop. The screening will be a 3D object. It will be helpful in designing creative. The camera will measure the distance from the object.
 – Intel will bring software that will read the biometric sensor on-board. Giving thumb impression you can directly log on laptop and email.
– Windows will launch in May with -10 Cortana feature. Cortana’s Intelligent Personal Assistant. It will operate many things with your voice
-Camera maker Kodak will launch 4G Phone.
– Samsung smartphone will offer folding screen. The smartphone market trend will change.
– Apple,Lenovo and HTC will present its iWatch and  Smartphone. Many companies will bring new gadgets with such variation

4) Online Driving Licence 

Motor Vehicle Act to amend the country will end the current system of the RTO. Under the new system, the whole process of getting a driving license and a permit will be online. And the license will be test driving simulator. Will eliminate corruption and delay. Bring transparency.

   350 e-toll on National Highway
-All 350 e-toll on national highways will start. The government will save Rs 27 crore. 7 thousand crore in the line of vehicles belonging to the fuel left to burn. Payment will be toll from punch cards to save time.

5) Easy  Banking
Debit Card EMI: ICICI Bank has a beginning. Other banks are on track to do the same. So far, the amount of the credit card after the purchase was EMI option to convert.

Fund Transfer: Kotak Mahindra Bank has launched a Facebook-based fund transfer scheme. It is not necessary to send or receive money to the bank account holder. Other banks are going to start in the new year are Interbank Mobile Payments Service.

Secure Transaction: many banks engaged chip debit card holders in 2015 and aims to provide a credit card with photo. This will secure your transactions.

6) Wi-Railway Station
After the New Delhi railway station, 75 new cities will start Wi-Fi. This widens the 400 railway stations. The first 30 minutes will be free Wi-Fi. After 30 minutes will be charged Rs 25 and Rs 35 for 60 minutes.

– Delhi-Agra  High Speed Moving Track has been successfully tested in 2014 Express. It is the distance between Delhi and Agra holds 105 minutes. Now in 2015 this will hopefully get implemented.

7) Mobile Technology

800 Two-tier cities will be  4G facility having speed  between 16 and 18 Mbps. This speed will be three times higher than the 3G. 1.5 million new subscribers is expected join.

– As a result of broadband and 3G Internet rates will be cut from 30 to 40 per cent.

– Increasing demand for 4G-enabled smartphone. This 3G enabled phone can reduce prices by 30 per cent

-Mobile Number Portability  facility may get implemented for INTER CIRCLE by 31 March 2015.

8) Heath 
-The world’s largest health insurance scheme will be launched in India. Every citizen will feature

either a card making every hospital like Mediclaim free treatment will be provided. So far, 14 states have agreed to the plan.
-More generic medicines store will get open in district hospitals, stores will open at ESIC hospitals and railway stations.

Ebola vaccine
-African Countries killer disease Ebola vaccine will get started. GlaxoSmithKline is the clinical trials. The first vaccine will be available in African countries.

9) Smart City

Smart City will be the first case. However, Microsoft’s technical services provided to the public via a project that will scale.

10 ) Labour 

 -Mandatory deduction of 12 per cent from salary may be exempt from the electives. A bill drafted by the Ministry of Labour has taken. This will benefit those, who want full salary without any PF deducation every month.

– Universal for PF account number with the trust account after starting the transfer of non-trust PF institutions will also be online. In July of non-trust transfers in trust accounts has already begun.

-Minimum wages may rise to 15,000

11) Passport 
Passport will eight days instead of three days. Passport will be made in three days. If the address is
not changed if the police verification will not need renewal. E-Passport Service will begin a six-year delay. Everything will be online.

12) Election

  Voting: Indian embassies abroad can provide EVM machine. For  NRIs  for proxy voting will be provided.They  can assign any other person to cast their vote. Voting will also provide immediate visa to visit India
OCI & PIO card will now merge into single card from 7 January

Instant Money Transfer(IMT service) to any Mobile number in India : Axis Bank

When it come to have Technology and Banking together then Private bank comes first .Axis Bank has innovative feature  of Instant Money Transfer (IMT) service for the Bank’s customer.
IMT is an innovative domestic money remittance service that allows you to send money to a receiver only by using the receiver’s mobile number. The receiver can withdraw money from an Axis Bank ATM with or without using a card. The receiver receives all the details required for withdrawal of the cash on his or her mobile phone You can use the service for any of these cases:-

• The receiver prefers cash
• The receiver needs money instantly / needs emergency cash

• The receiver doesn’t have a bank account
• When you don’t know the receiver’s bank account details
• The receiver is not within easy distance (to deliver cash or send a cheque by hand)

A sender will be charged Rs. 25 (inclusive of taxes) for every IMT transaction he or she issues to a receiver. Please note that there are no reversals of these charges in case the IMT expires or is cancelled.
There is no charge for cancellation of an IMT.
Limits
The following limits exist for IMT transactions:
Sender limit
Rs. 10,000 per transaction
Receiver limit (checked on his or her mobile number)
Rs. 25,000 per month

How It Works
Axis Bank customer can send money to any mobile number in India by providing the beneficiary’s mobile number, Amount to be transferred and setting the Sender’s code (The beneficiary would need this code to withdraw cash from the ATM).
How to Withdrawal
If the beneficiary has a Debit card (of any recognized Bank), he or she can withdraw the IMT by using his or her Axis Bank debit card. After inserting the card, the receiver can select IMT > WITHDRAW IMT and provide the following details:
Mobile number on which he or she has received the IMT details
The Sender’s code
The SMS code
The IMT amount

On validation of the above-mentioned details, the cash will be dispensed from the ATM.
If the beneficiary doesn’t have a Debit card (of any recognized Bank), he or she can perform a card less IMT withdrawal at any Axis Bank ATM. To do so, the receiver needs to register his or her mobile phone number at any of the Axis Bank branches (the registration process is described below). Once registered, the receiver will be able to withdraw any number of IMTs issued on his or her mobile phone without using a card. While registering, the receiver needs to provider KYC documents and register his or her mobile number. The list of documents acceptable for the KYC is:
Proof of address of the recipient (any one document):
Telephone Bill
Ration Card
Bank Statement
Electricity Bill
Letter from any recognised public authority
Letter from Employer
Letter from gram panchayat or any government official
Any other document acceptable to the bank

Photo identity proof (any one document):
Passport
PAN Card
Voter Identity Card
Driving License
Identity Card (Subject to Bank’s satisfaction)
Letter from recognized authority

Send and Receive money using GMAIL : Google Wallet

Till now E-mail attachment were used to send photos, videos and files but now you can  send money Google launched its e-mail service Gmail has plans to launch such a service. It is now being introduced in the U.S. When will it happen in India, will just have to wait for it. Earlier this service was mainly used on mobile device but now they have come to desktop version

Google has named this as  Google Wallet. This will act as your  vallet  which be will link with the user’s bank account. If desired, users can link your account with a debit or credit card, but in that case 2.9 per cent on every transaction fee will be charged. The U.S. roll out this service for users above 18 years of age and have it be able to use it. If you want to receive the money in your account to activate this feature. However, before such a service had started some websites, but they did not become Popular. When will it happen in India, is not known yet. Meet it by RBI norms.

How to send money
For this, a user should have a e-mail account with Google . Click on on Compose button in your inbox
Currently this feature is only available on New version of composing email of gmail Here you will find dollar sign. Click on the account or card to determine the amount you can send and thall all your money will be get transferred. Refer the Video for more detail

What is Google Wallet
The feature is in your Google Wallet account. India currently visiting, you can put your credit card or debit card details. Before buying any products from the App Store or Google may pay.