Hacking bank account means gaining access to someone’s bank account without authorization.What happen if someone hack your bank account and make illegal money transactions from your bank account? It’s scary right, but its bitter truth. Let me share one recent incident with you.
My relative bank account was hacked recently, the hacker made illegal transaction worth 60,000 Rs online. He got SMS – “Dear Customer, You have made a Debit Card purchase of INR 32,500 on 04 Jan. Info. IIN*www.ebay Your Net Available Balance is INR XXXX“. While getting this SMS, he was surprised and he immediately contacted bank authority. He made a complaint at the bank, that it is illegal transaction and it is not made by him. Before any action is taken another SMS received with transaction value worth 27,500 Rs and he was stunned.
He immediately asked the bank to block debit card so that further transaction cannot take place. He visited a bank. He was expecting a bank to repay this money similar to any other victim. The bank, however, refused to pay this money. Bank official said that transaction was done using his debit card number and 3D secure PIN it is a genuine transaction. As the transaction is already done with the legitimate credential bank cannot refund this money. He tried hard to convince bank official but no success. Bank redirected him to police.
He went to police station and filed FIR for this fraud. Police acted fast and contacted cyber cell to trace the hacker. They were able to trace the location however, the location was of different country and police was helpless due to laws and regulation. He is struggling yet to get his money back. This is in general observation that it is very hard to get money back in this type of hacking attempt. So, what to do if your bank account, a debit card is hacked or misused? Is it possible to recover money back?
How to recover money if your bank account, debit card is hacked misused?
You have a fair chance to recover the money back in case of fraud is taken place using online transaction. Follow steps given below.
Act very fast within 24 hours from the date and time of the fraudulent transaction. Hacker/cybercriminal tries to do a maximum transaction or online purchase before you block your debit card or change your bank login details. So, the first step is getting your card block from the bank.
Once your card is block next step is to reset your login password, pin, security answer. Verify your contact details like address, phone number are not changed by the hacker. Report fraud to local police station.
Observe the fraud transaction details carefully. The SMS provided by bank carries information about the merchant or online website name where the fraud transaction is performed. In above case it is eBay.
So, you need to contact fraud handling department or authority of merchant in 24 hours giving details about fraud transaction. You may need to prove your identity to convince merchant. No Merchant/website likes to process this type of transaction. They will block the transaction and revert the money back in the original account.
Merchant/website shall able to do this only if goods related to this transaction is not delivered. It usually takes 24 hours to deliver the goods. If the good is delivered transaction cannot be reverted back.
There are chances to get money back in case of online purchases, however if money transfer is taking place through PayPal or any other beneficiary it is very difficult to -recover the money back.
Once you receive your money back, additionally perform the step of checking your desktop or laptop for a virus, rootkits or key logger using specialize antivirus tool. This tool could have been used to send your confidential information to the hacker.
My relative could have recovered money back, if he could have followed the process mentioned above.
Over to you –
Have you ever come across any type bank account, debit card fraud or hacking?
Do share your experience in the comment section. It will help everyone to improve the knowledge and prevent this type of frauds.
New Year Resolutions are new commitments for the upcoming year. New Year 2016 is about to begin. All of you must have made plan to welcome the New Year 2016, however very few of you might have made a plan for better financial life in 2016. In order to help you, I am here with New Year resolutions for better financial life in 2016. Following this resolution will surely make your financial life healthy.
New Year Resolutions for Better Financial life 2016
Resolution 1 – I will buy an asset which appreciate its value with time.
This year you should make a commitment to yourself that you will buy only appreciating assets in 2016. Buying a new car or expensive smartphone or any other depreciating assets does not make any sense. It will lose it value after few days or month.
Resolution 2 – I will save at least 100 Rs every day invest it at the end of the month.
You should make a discipline of paying yourself first. Make a pledge that you will save at least 100 Rs every day and invest this money at the end of the month in a good saving scheme or Mutual funds via SIP. Investing small chunk of money in discipline manner will surely help you to build bigger wealth at the end of a year. In short automate your finance.
Resolution 3 – I will take informed decision while making any purchase
Buying unnecessary products in sale in not considered as a saving. This year pledge to take an informed decision while making any product purchase.
Resolution 4 – I will prepare myself for the future
We should make ourself ready for the future by making an emergency fund. If emergency fund is ready. Do not touch it unless it is an urgent requirement. If the fund is used, make sure to arrange similar amount as early as possible.
Resolution 5 – I will not believe in any get rich quick scheme easily
Now onwards I will not believe in any get rich quick scheme easily. I will thoroughly investigate and invest my money if it is absolutely safe.
Resolution 6 – I will take good care of my health
Health is wealth. So in order to save wealth, I will take good care of my health. Remember “A healthy person can work with efficiency to earn wealth”.
Resolution 7 – I will increase by financial knowledge
Knowledge is power. Take a pledge to make a conscious effort to learn and grow by gaining financial knowledge. What you don’t know about money will make you broke and keep you there.
I am sure that these New Year Resolutions will defiantly make your financial life better.
Profitable Small Business Ideas – Today many young and dynamic people are looking for small profitable business ideas. They want to become their own boss by starting their own business. They are looking for low-cost high-profit business ideas. In order to help them, I am here with the 10 most profitable small business ideas. If you are a new business entrepreneur and looking for good money-making opportunities these ideas are for you. These small business ideas are evergreen and directly related to public demand.
The restaurant business is one of the best and most profitable cash business ideas. Healthy and tasty food is a need for everyone. If you love serving tasty and healthy food this idea is for you. You can expect a decent profit margin of up to 25% from this business. If you have less capital you can think of starting food on a wheel.
Why is Restaurant Business a Profitable Business Idea?
People are living fast and lavish lifestyles today. They don’t have even time to cook food at home. They are willing to spend more money to eat healthy and tasty food. The demand for food is never going to go down this is the prime reason why the restaurant business is the most profitable and the most successful business idea today.
2. Catering Business
The second profitable business idea is also from the food industry – Catering. You can start your own catering business. In order to start a catering business, you require very little capital. However, you need a very good team including a cook to start this business. You can expect a profit margin of 30% from this business.
Why is Catering Business a Profitable Business Idea?
Be it marriage, birthday or any other event serving food is a must. One needs to grace relatives or friends with good food. No one spends time and money making food, they hire good catering services by paying money this is the prime reason why a catering business is a successful and profitable business idea.
Opening own readymade namkeen nasta shop is indeed a very good profitable business idea. You can start this business with very low investment. In this idea also, you need a very good cook to make nasta. You can expect 20-25% profit from this business.
Why is Readymade Namkeen Breakfast Shop a Profitable Business Idea?
Today 40 out of 100 women are working women and they don’t have enough time to make breakfast at home. They are ready to spend money on readymade noodles and breakfast. This makes this idea a successful and profitable business idea.
4. Real Estate Dealer
The real estate sector is down nowadays but the upcoming smart city project and infrastructure boom will definitely give a boost to this sector. If you are planning to start a business with a small investment this business is ideal for you. In this business you can get only 1% commission for every deal, however, if you deal in high-value projects this profit margin money will be very high.
Why is a Real Estate dealership a Profitable Business Idea?
The requirement of shelter for a living will never go down. It is a basic requirement of human beings. This justification is enough to make this business idea successful and profitable.
5. Game or Entertainment Parlor
The game parlor is a good profitable business idea. You need to make a small investment to open a game parlor. After reaching breakeven, you can expect a profit margin of 20-25% from this business.
Location matters for this business you need a posh area or shopping mall to open this parlor. If you are willing to invest more capital you can open theme-based game parlors like SVM Bowling & Gaming and Funky Monkey.
Why is a Game or Entertainment Parlor a Profitable Business Idea?
Life is stressful today and people look for good entertainment options to relieve this stress. They are ready to spend a lot of money on entertainment. This makes this idea successful and profitable.
Education is an evergreen field. You can open tuition classes or skill clubs. You need special knowledge in the field where you are planning to start this. You can expect a profit margin of 50% from this business.
You can specialize in classes like IELTS, foreign language classes, or hobby-based classes.
Why Education or Skill Club is a Profitable Business Idea?
Everyone wants to upgrade their proficiency today. They are willing to spend a lot of money on it. This makes Education or Skill club a successful profitable business idea.
7. Mobile Sale & Repair
The growing usage of the smartphone is known to everyone. You can take advantage of this by opening your own mobile sales and repair shop. You need to invest money in opening a mobile sale and repair shop. You can expect a profit margin of 5-10% from this business.
Why is a Mobile Sale & Repair Shop a Profitable Business Idea?
Today mobile phones are available in a vast range. Keeping a high-value phone and changing smartphone frequently is a status symbol today. People are ready to spend money on the latest smartphone which makes mobile sales shops good profitable business idea.
8. Recruitment Firm
You can start your own recruitment firm and help others to get a good job. Starting own recruitment firm is low investment business. You can expect 30-40% profit from this business.
Why is a Recruitment Firm a Profitable Business Idea?
Fresher or lateral everyone looks or a good job. It is an evergreen business. Candidates are willing to pay higher fees or first salary to a recruitment firm for a good job. This makes this idea a successful profitable business idea.
9. Health Club
The health club is the next profitable evergreen business idea. You need to invest money in order to open a health club. Locality matters a lot for the success of the health club. After break even you can expect 20-30% profit from this business.
Why is Health Club a Profitable Business Idea?
People are health conscious today. They know that Health is wealth and to maintain good health they are willing to pay money. For many people joining a health club is like a status icon and this makes the health club a profitable and successful business idea.
10. Advertising Agency
Good Advertisement Company is like a gold mine and you can earn a decent profit margin from it. You can earn money by advertising trading or by making advertisements. There are different forms of advertising starting from online to offline. You need to do a lot of hard work to establish an advertising agency.
Why is an Advertising Agency a Profitable Business Idea?
Proper advertisement plays a crucial role in increasing the sale of any product. It is helpful for businesses to launch a new product and also retained their products.
Over to You
All ideas mentioned above are proven & most successful business ideas. However, please remember Success of these business ideas depends on hard work and dedication.
Check Property Record Online – Checking land records online is very easy today. With a one-click button, you will learn information about the landowner. It is important to check the land record before purchasing the property because real estate is a non-transparent sector where a lot of black money is involved. Not only that, maximum frauds take place in real estate deals. The government of India has modified the real estate bill which will protect the buyer against any fraud. However, if you are buying land or property it is recommended that you should check the land or property record on your own. Today I will share information about how to check land records online in India.
Understanding Property Records and Land Records
Before diving into the nitty-gritty of online access, let’s first understand what property records and land records entail.
Property Records
Property records encompass a comprehensive set of documents that provide information about a particular piece of real estate. These records typically include details such as property ownership, boundaries, mortgages, liens, and historical transactions. Accessing accurate property records is crucial for various purposes, including buying or selling property, resolving disputes, and conducting legal proceedings.
Land Records
Land records, on the other hand, focus specifically on the ownership and utilization of land parcels within a jurisdiction. These records contain essential information such as land ownership, survey details, land area, and land use classification. Land records play a vital role in property transactions, urban planning, agricultural management, and infrastructure development.
How to Check Property Records and Land Records Online in India?
Now that we have a basic understanding of property and land records, let’s explore the step-by-step process of accessing them online in India.
Step 1: Identify the Relevant Authority
The first step in checking property records and land records online is to identify the appropriate authority responsible for maintaining these records in your area. In India, property and land records are typically managed by the revenue department or land revenue office at the state or district level. You can visit the official website of the respective authority or conduct a quick online search to find the relevant department.
Step 2: Navigate to the Online Portal
Once you’ve identified the relevant authority, navigate to their official website or online portal. Most state governments in India have dedicated portals for accessing property and land records, commonly known as Bhulekh or Bhoomi portals. These portals offer user-friendly interfaces and intuitive navigation, making it easy for citizens to search for and retrieve the desired records.
Step 3: Enter the Required Details
Upon accessing the online portal, you’ll typically be prompted to enter certain details to initiate the record search process. Commonly required information may include:
Unique Identification Number (UID) or Aadhaar number (in some cases)
Any additional filters or search criteria specified by the portal
Simply input the relevant information into the designated fields and proceed to the next step.
Step 4: Retrieve the Records
Once you’ve entered the necessary details, click on the “Search” or “Submit” button to initiate the record search process. The online portal will then query the database and retrieve the matching property or land records based on your input. Depending on the portal’s features, you may have the option to view, download, or print the records directly from the website.
Step 5: Verify the Records
After retrieving the records, take some time to verify the accuracy and completeness of the information. Pay close attention to details such as property ownership, boundaries, encumbrances, and historical transactions. If you notice any discrepancies or inconsistencies, you may need to contact the relevant authority for clarification or correction.
Step 6: Save or Print the Records (Optional)
Once you’re satisfied with the accuracy of the records, you have the option to save or print them for future reference. Saving digital copies of property and land records can be beneficial for various purposes, such as legal documentation, property transactions, and dispute resolution. Alternatively, you can opt to print hard copies for offline use or record-keeping purposes.
Step with Example to check Property/ Land Records online in India
Under National Land Record Modernization Program (NLRMP) to computerize Record of Rights (RoR) launched by the government of India many states started providing RoR online.
The first thing is to find out online portal applicable to your state for checking land and property records online. Almost all states including Gujarat, Maharashtra, Karnataka, Tamilnadu, Punjab, Bihar, Rajasthan, Uttar Pradesh, Madhya pradesh maintain land records online.
Let’s check out a method for checking these records online for Maharashtra and Gujarat State. For another state, I will be sharing websites and you will be able to check these records on your own.
Visit official land record site of Maharashtra it is popularly known as Bhulekh maha bhumi.
You need to select the division. On selection of division, you will be redirected to a page where you need to select district.
You also need to select that you want a record of 7/12, 8Aor property card (मालमत्ता पत्रक). Now you need to select Taluka and Village.
You need to enter the survey number or name. On pressing the search button records get displayed on the screen.
You can take a printout of this record. However, it is for information purposes only you can not issue this record for a legal purpose.
Checking Property Records Online Maharashtra
Visit the official Property record site of Maharashtra.
This portal is to check property transactions or real-time property registration data searches.
To find out property details select the year, and district and enter the name of the village.
Enter Property number SurveyNo./CTSNo./MilkatNo./GatNo./PlotNo.
Click on Search and the property record will be displayed on the screen.
Checking Land Records Online Gujarat
The official site for checking land records online in Gujarat is https://anyror.gujarat.gov.in/ it is popularly known as Any ROR.
Visit this website and Click on the menu item – View Land Record Rural, View Land Record Urban, or Property Search.
You will be redirected to the property card or 7/12 (Satbara) records page.
Submit details about a district, taluka, village, and survey number.
Enter the verification code (captcha) and click on the Get Detail button.
Land records will be displayed.
You can take a printout, however, it is not a certified copy. In order to issue a certified copy, you need to visit e-Dhara Kendra and request for RoR (Record of Rights) print with Survey No.
Please note that the process mentioned above will remain the same for all other states. As of now, a single database does not exist hence you need to visit state-specific sites in order to check these records.
Checking Property Records Online Gujarat
The official website for checking property records is the same as that of land records – https://anyror.gujarat.gov.in/
Visit Any ROR website and click on the “Property Search” button from the Top menu.
You will be taken to a new page where you can search records property-wise, name-wise, and document number year-wise.
Select the appropriate option.
Property Wise Search
In the property-wise option, you need to give district, sub-registrar office, Index 2, Property type, Search type, and TP no or survey number. Property type is residential, commercial, or industrial. In the search type, you need to select options such as survey number, TP number, block number, etc. You need to enter your name, mobile number, and e-mail address. Click on Send verification code. You will get OTP on the given mobile number and e-mail address. After entering the correct OTP system will display details.
Document Number – Year-wise search
If you are aware of the document number (Dastavej Number) and year of registration you can use this option. Data up to 2007 to the latest is available as a search option. You need to enter the district, sub-registrar office, document number, and year of registration. After entering this detail provide your name, email address, and mobile number. Click on send verification code. Enter the OTP received on your mobile number or e-mail address and you will be able to see registered detail about the buyer and seller of the property.
Websites to Check Online Land and Property Records
In conclusion, accessing property records and land records online in India has never been easier. By following the simple steps outlined in this guide, you can quickly and conveniently retrieve the information you need from the comfort of your home or office. Whether you’re a prospective buyer, a property owner, or a legal professional, online access to property and land records offers unparalleled convenience and efficiency. So why wait? Embrace the digital revolution and unlock a world of property-related information at your fingertips!
