Monday, July 25, 2011

திருத்தணி முருகன் கோயில்

Subramanya Swami Kovil, Tiruttani


திருத்தணி முருகன் கோயிலில் ஆடிக் கிருத்திகை விழா இன்று கோலாகலமாக தொடங்குகிறது. இதையொட்டி, மின் விளக்கு அலங்காரத்தில் கோயில் ஜொலிக்கிறது. உள்படம்: மலைக்கோயில் செல்லும் பாதை முழுவதும் தரிசனத்திற்காக நீண்ட வரிசையில் காத்திருக்கும் பக்தர்கள்.




ஆடி பரணியை முன்னிட்டு திருத்தணி முருகன் கோயிலில் நேற்று ஆயிரக்கணக்கான பக்தர்கள் காவடியுடன் திரண்டனர். உள்படம்: காவடியுடன் நேர்த்திக்கடன் செலுத்தும் பக்தர்கள். 





 காவடி மண்டபத்தில் மலர்களால் அலங்கரிக்கப்பட்ட வள்ளி&தெய்வானையுடன் உள்ள உற்சவரை தரிசனம் செய்தனர்.









for more information visit:
http://murugan.org/temples/tiruttani.htm



Monday, July 18, 2011

Education Loan : Quick Apply

Eligibility

Banks have set eligibility for students as well for co-applicant.The student should be an Indian national with good academic track record and has secured admission to a recognized University/College. All loans require a co-applicant who has to fulfill the basic criteria to apply for an educational loan.The co-applicant can be a salaried or self employed parent, sibling or a relative with a steady source of income.The age, annual income, work experience in the current organization and total work experience, educational qualification and profession of the co-applicant are all considered by banks to decide on a amount for an educational loan.


BankMinimum Age (in yrs.)Minimum Income (in Rs.)Minimum Work Experience (yrs.)Residence Status (yrs.)
SalariedSelfSalariedSelfSalariedSelfSalariedSelf
Axis bank
Axis bank
No Age Criteria ProvidedNo Age Criteria ProvidedIncome Criteria Not AvailableIncome Criteria Not AvailableCo-Applicants Minimum 2 years in employment and minimum 1 year in the current organizationCo-Applicant Experience will be consideredInformation Not AvailableInformation Not Available
HDFC Bank
HDFC Bank
Student Age:16 - 35 yrs;Co-Applicant Age:21-60 YearsStudent Age:16 - 35 yrs;Co-Applicant Age:25-65 YearsCo-Applicants Minimum Net Monthly Income : Rs. 10,000 p.m. for Tier 1 & Tier 2 cities ( Rs. 8,000 inSelf employed (Professionals):Rs. 1 Lakh per annum for Doctors , CA s , CS , Architects ;Self EmployCo-Applicants Minimum 2 years in employment and minimum 1 year in the current organizationMinimum 3 years in current business and 5 years total business experience ;Self Employed (IndividualInformation Not AvailableInformation Not Available

Documents Required


Documents from Student

* Completely filled Application Form with Photographs.
* Letter of admission from the Institute.
* Cost break up of the program from the Institution stating the Tuition fees- term-wise, year-wise and any other expenses.
* Students entire academic record in the form of marksheets starting from class X to the last qualifying exam cleared.
* Declaration/Affidavit confirming that no loan has been availed from other Bank/Institution.
Address Proof: Passport, Driving license, Ration Card, Voter's ID Card, Bank statement.
ID Proof: Photo Pan Card, Passport, Driving License or Voter's ID card.
Signature Proof: Bank Signature Verification, Photo Pan Card, Passport, Driving License or Voter's ID card.
Age proof: Bitrth Certificate or 10th Class passing Certificate.

Documents for Studies Abroad - In addition to the above list of documents:
Letter from the Head Of Department of the University.
* Visa approval papers.
* Travel papers.
* GMAT/GRE/SAT score.
* I-20 in case of applicant going to the USA.
* Progress reports in the form of mark sheets or a letter from the Institute, while processing the fresh disbursement tranch.

Documents for Co-Applicant if Salaried:

ID Proof: Photo Pan Card, Passport, Driving License or Voter's ID card.
Address Proof: Ration card Telephone or electricity/water Bill, Rental agreement, Passport copy.
* Bank Statements for last 3 months.
* Latest salary slip or current dated salary certificate with latest Form 16

Documents for Co-Applicant if Self employed (Professionals/Individual ):

* ID Proof: Photo Pan Card, Passport, Driving License or Voter's ID card.
Address Proof: Ration card Telephone or electricity/water Bill, Rental agreement, Passport,Trade licence /Establishment/Sales Tax certificate.
* Bank Statements for last 6 months.

* Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA.
*Qualification proof of the highest professional degree.
*Proof of continuation of business :Trade licence /Establishment /Sales Tax certificate.
*Sole Propieter Declaration Or Certified Copy of Partnership Deed, Certified Copy of MOA, AOA & Board resolution.

Documents Required Post Loan Sanction:

* Education Loan Agreement.
* SI/ECS Mandate as applicable.
* Post Dated Security Cheques as per Bank Policy.

Education Loan FAQs

Educational Loans are available to meritorious students for studies in India or abroad. The loan is given out to students admitted to Institutions and Colleges approved by the bank. The Loan covers fee for all years, which is normally disbursed to the college/institute directly by the bank. The loan also covers most of the boarding and lodging expenses. 

Students who wish to pursue higher education .You need to be an Indian resident having secured admission in any of the bank's list of approved course or universities.
  •  Management Courses ( Full-Time + Part Time ) - PostGraduation
  • Engineering Courses ( Government + Private ) - Graduation
  • Medicine - Graducation + Post Graducation
  • Masters in Computer Application ( MCA/MCM) - Post Graduation
  • Online / Distance Learning courses.
Wherever it is a private institution,the same has to be recongized by the relevant/competent government body.
  • Fine Arts and Designing - Graduation + Post Graduation
  • Architecture - Graduation
  • Hotel and Hospitality - Graduation + Post Graduation
  • Agriculture - Post Graduation
  • Pure Science - Graduation + Post Graduation
  • B.A./B.Com/M.A./M.Com
  • Courses such as SAP , ERP , GNIIT , Air Hostess Training programmes etc.
Besides the above mentioned ,other Institute to be rated on the basis of their listing with the AICTE etc.
Anyone in the age group of 16-35 years can take this loan.
  • Fee Payable to College/School/Hostel
  • Exam/Library/Lab fees
  • Caution deposit / Refundable deposit asked by the institution/Building fund - upported by Institution bills/receipts
  • Purchase of Books/equipments/instrument/uniforms
  • Travel expenses/passage money for studies abroad
  • Purchase of computers - essential for completion of the course
Any other expense required to complete the course - like study tours, project work, thesis, etc.
100% loan is available for select courses. Margin ranges from 5-15 % for courses in India & Abroad .Depends from Bank to Bank.
Yes. A moratorium/repayment holiday is available for select courses.
Moratorium Period is a holiday on repayment which would be for the course period + 1 year or 6 months after the student gets a job/start earning whichever is earlier. Some banks will also allow you a moratorium on payment of interest. This means that you can defer payments of even the interest during this period. Hence, there is no need to pay anything to the bank at all. If you opt for this option, then the interest is compounded quarterly and added to the principal sum for repayment. This option carries a higher rate of interest, but is a boon to those who cannot repay the loan during the course.
Interest would have to be paid during the moratorium, the interest servicing would be of simple interest calculated on the loan amount disbursed payable monthly. Some banks will also allow you a moratorium on payment of interest. This means that you can defer payments of even the interest during this period. Hence, there is no need to pay anything to the bank at all. If you opt for this option, then the interest is compounded quarterly and added to the principal sum for repayment. This option carries a higher rate of interest, but is a boon to those who cannot repay the loan during the course.
Repayment is done on an EMI (equated monthly installments) basis at the time of starting the repayment, by giving standing instruction to the bank, having an ECS(electronic clearing services) with the bank or by giving PDC(post dated cheques) to the bank.
If you are unable to complete the course, you will have to start paying the EMIs immediately. Some banks might give you a grace period, either to continue your studies or to start repaying the loan, but this is entirely at their discretion.

Maximum tenure of the loan can be 7 years including moratorium period.
Yes, a co-applicant is required for all Full-Time courses . The co-applicant can be your parents, siblings, spouse or Family Relative . Loan eligibility would be calculated on the basis of the co-applicant's income. In case of Part Time courses, No Co-applicant required. However in order to increase the eligibility a co-applicant may be added.
Declaration/Affidavit confirming that no loan has been availed from other Bank/Institution
  • Completely filled Application Form with Photographs.
  • Letter of admission from the Institute
  • Letter from the Institute stating cost break up of the program (term-wise, year-wise)
  • Marksheets from SSC onwards till the latest examination passed
  • KYC Documents for the Applicant & Co-applicant (Residence Proof , ID Proof , Signature Verfication Proof , Age proof )
  • Income Documents of the Co-applicant ( Pay Slips / ITR copy etc )
  • Declaration/Affidavit confirming that no loan has been availed from other Bank/Institution
For studies abroad - In addition to the above list of documents - Pls Provide :
  • Letter from the Head Of Department ( University)Visa approval papersTravel papersGMAT/GRE/SAT scoreI-20 in case of applicant going to the USA
For loans with Moratorium :
  • Studying in India - Max Rs. 10 Lakhs
  • Studying abroad - Max Rs. 20 Lakhs
For Loans without Moratorium :
  • Studying in India - Max Rs. 7.50 Lakhs
  • Studying abroad - Max Rs. 10 Lakhs
The fee for all years is normally disbursed to the college/institute directly by the bank. While applying for a loan, the bank will verify the tenure of the course and determine its total cost as applicable at that point of time. Every year, you are required to submit a form to the bank which gives the details of the money required, after which the bank directly disburses the loan to the college/ institute.
Although the bank may be in India, you can get your education loan amount in dollars for studies overseas; the amount is paid directly to the institution abroad. Banks charge you a fee for the remittance.

Yes. Tuition & hostel fee will be disbursed directly to the educational Institute as per the schedule of fee given by the Institute/college ( semester - wise/yearly).
Progress reports to be provided at the time of every disbursement. Progress report includes mark sheets or a letter from the Institute, in case the mark sheets are not available while processing the fresh disbursement.
The following documents have to be submitted post the sanction of the loan
  • Education Loan Agreement
  • SI/ECS Mandate as applicable
  • Post Dated Security Cheques as per Policy
  • Any other documents which might be required as per policy.
Collaterals are required only for educational Loans above Rs.7.5 lakhs. The acceptable collaterals are:
  • Fixed deposits
  • Property (Residential
Once you start repaying the loan, you can deduct the interest amount from your total income while calculating tax. So, the effective interest rate on the loan works out to a lower amount for that particular year.

Banks offer lower interest rates if you start repayment during the moratorium period.
If you have opted for a floating rate loan, you cannot switch to a fixed rate option mid-course. However, you can transfer your loan from one bank to another, if you find a more attractive offer. Normally, one per cent of the outstanding loan amount is charged to the borrower in the case of a loan takeover. You need to work out whether the amount you save by switching to a lower-cost loan is more than the switching cost.
Depending on the bank offering an educational loan, there is a prepayment penalty of 5% on the outstanding principal amount. There are some banks which do not have a prepayment penalty.
Second time Education Loan can be sanctioned to the same student borrower for completion of next higher course at the discretion of the Bank. A student who has taken the loan for a Bachelors degree can apply for another loan for the completion of Master's degree.

Saturday, July 16, 2011

Lateral Entry Counselling 2011

Vacancy Position LEA2011


Details of Minimum Cutoff admitted during LEA2010


Counselling Schedule


Session Information 



Alagappa chettiar college of Engineering and Technology,Karaikudi

Counselling schedule From 14th July 2011 to 6th August 2011
DateDepartmentTimeOCBCMBCMBCSCASCST
15th JulyCHEMICAL8.00 AM80.66777.66753.83960.578.16659.01271.33
15th JulyTEXTILE10.00AM94.66784.83392.7588.91688.58477.833-
15th JulyLEATHER10.00AM87.25-8685.589-81.304-
15th JulyPRINTING10.00AM96-95.66691.166-91.25-
15th JulyCIVIL12 NOON93.8393.8393.8393.8393.8393.8393.83
15th JulyCIVIL2.00PM91.6691.6691.6691.6691.6691.6691.66
15th JulyCIVIL4.00PM89.9189.9189.9189.9189.9189.9189.91
16th JulyCIVIL8.00AM88.83488.33388.2588.2588.58488.33388.583
16th JulyCIVIL10.00AM-86.7586.66786.66787.33386.666-
16th JulyCIVIL12 NOON-86.33485.16785.16786.2585.16786.5
16th JulyCIVIL2.00PM-83.91683.66783.66783.7583.75-
16th JulyCIVIL4.00PM-82.5828282.58283
17th JulyCIVIL8.00AM-80.58480.41780.41780.66780.417-
17th JulyCIVIL10.00AM-78.83478.7578.7578.7578.75-
17th JulyCIVIL12 NOON-75.58478.08675.58375.58475.66676.166
17th JulyCIVIL2.00PM-71.584-75.41755.58346.66665.5
17th JulyMECH4.00PM95.8395.8395.8395.8395.8395.8395.83
18th JulyMECH8.00AM94.4194.4194.4194.4194.4194.4194.41
18th JulyMECH10.00AM93.16793.16793.16793.16793.16793.16793.167
18th JulyMECH12 NOON92.0892.0892.0892.0892.0892.0892.08
18th JulyMECH2.00PM91.0891.0891.0891.0891.0891.0891.08
18th JulyMECH4.00PM90.1690.1690.1690.1690.1690.1690.16
19th JulyMECH8.00AM
19th JulyMECH10.00AM89.33388.66788.66788.66789.2588.75-
19th JulyMECH12 NOON-87.91787.83487.91687.9178887.917
19th JulyMECH2.00PM-87.16687.08387.08387.08487.08387.167
19th JulyMECH4.00PM-86.41686.2586.2586.41786.25-
20th JulyMECH8.00AM-85.585.585.585.58385.5-
20th JulyMECH10.00AM-84.7584.7584.7584.7584.75-
20th JulyMECH12 NOON-84.25848484.5848484.25
20th JulyMECH2.00PM-83.16783.16783.16783.16783.25-
20th JulyMECH4.00PM-82.582.41782.41782.7582.41783.083
21th JulyMECH8.00AM-81.66781.66781.66781.66781.66782.214
21th JulyMECH10.00AM-80.83480.83480.83481.16780.91781.5
21th JulyMECH12 NOON-80.2580.16680.16680.33380.16680.667
21th JulyMECH2.00PM-78.41779.5847978.578.33379.083
21th JulyMECH4.00PM-72.334--71.91771.91775.166
22nd JulyMECH8.00AM-58.167--54.14555.66767
22nd JulyELECTRICAL10.00AM98.33398.33398.33398.33398.33398.33398.333
22nd JulyELECTRICAL12 NOON97.58497.58497.58497.58497.58497.58497.584
22nd JulyELECTRICAL2.00PM97.08397.08397.08397.08397.08397.08397.083
22nd JulyELECTRICAL4.00PM96.58496.58496.58496.58496.58496.58496.584
23rd JulyELECTRICAL8.00AM96.2596.2596.2596.2596.2596.2596.25
23rd JulyELECTRICAL10.00AM95.83495.83495.83495.83495.83495.83495.834
23rd JulyELECTRICAL12 NOON95.58395.58395.58395.58395.58395.58395.583
23rd JulyELECTRICAL2.00PM95.16695.16695.16695.16695.16695.16695.166
23rd JulyELECTRICAL4.00PM93.66793.66793.66793.66793.66793.66793.667
24th JulyELECTRICAL8.00AM93.41693.41693.41693.41693.41693.41693.416
24th JulyELECTRICAL10.00AM93.16693.16693.16693.16693.16693.16693.166
24th JulyELECTRICAL12 NOON92.83492.83492.83492.83492.83492.83492.834
24th JulyELECTRICAL2.00PM94.83394.83394.83394.83394.83394.83394.833
24th JulyELECTRICAL4.00PM94.56294.56294.56294.56294.56294.56294.562
25th JulyELECTRICAL8.00AM94.2594.2594.2594.2594.2594.2594.25
25th JulyELECTRICAL10.00AM93.91793.91793.91793.91793.91793.91793.917
25th JulyELECTRICAL12 NOON91.58491.58491.58491.58491.58491.58491.584
25th JulyELECTRICAL2.00PM91.33391.33391.33391.33391.33391.33391.333
25th JulyELECTRICAL4.00PM91.16691.16691.16691.16691.16691.16691.166
26th JulyELECTRICAL8.00AM90.91690.91690.91690.91690.91690.91690.916
26th JulyELECTRICAL10.00AM92.58492.58492.58492.58492.58492.58492.584
26th JulyELECTRICAL12 NOON92.33492.33492.33492.33492.33492.33492.334
26th JulyELECTRICAL2.00PM92.08492.08492.08492.08492.08492.08492.084
26th JulyELECTRICAL4.00PM91.91691.91691.91691.91691.91691.91691.916
27th JulyELECTRICAL8.00AM90.66790.66790.66790.66790.66790.66790.667
27th JulyELECTRICAL10.00AM90.66690.41790.41790.41790.590.41790.583
27th JulyELECTRICAL12 NOON-90.16790.16790.16790.29290.16790.25
27th JulyELECTRICAL2.00PM-89.91689.83489.83490.16689.83490.16
27th JulyELECTRICAL4.00PM-89.66689.64389.66689.66789.666
28th JulyELECTRICAL8.00AM-89.41789.41789.41789.589.417-
28th JulyELECTRICAL10.00AM-89.16789.16689.166-89.16689.25
28th JulyELECTRICAL12 NOON-88.91688.91688.9168988.916-
28th JulyELECTRICAL2.00PM-88.83488.66788.66788.66788.667-
28th JulyELECTRICAL4.00PM-88.41788.41788.41788.58388.41788.417
29th JulyELECTRICAL8.00AM-88.2588.2588.2588.33388.25-
29th JulyELECTRICAL10.00AM-888888888888.084
29th JulyELECTRICAL12 NOON-87.7587.7587.7587.83287.7587.75
29th JulyELECTRICAL2.00PM-87.587.587.587.587.587.667
29th JulyELECTRICAL4.00PM-87.2587.2587.2587.2587.2587.416
30th JulyELECTRICAL8.00AM-878787878787.084
30th JulyELECTRICAL10.00AM-86.7586.7586.7586.83386.75-
30th JulyELECTRICAL12 NOON-86.586.586.586.586.586.5
30th JulyELECTRICAL2.00PM-86.2586.2586.2586.2586.2586.333
30th JulyELECTRICAL4.00PM-85.91785.91785.9178685.917-
31th JulyELECTRICAL8.00AM-85.66785.66785.66785.66785.66785.667
31th JulyELECTRICAL10.00AM-85.41685.41685.41685.585.416-
31th JulyELECTRICAL12 NOON-85.16785.14585.16685.16685.16685.167
31th JulyELECTRICAL2.00PM-84.83484.83484.83484.83484.83484.916
31th JulyELECTRICAL4.00PM-84.58484.58484.58484.66784.58484.666
1th AugELECTRICAL8.00AM-84.41684.33384.33384.584.333-
1th AugELECTRICAL10.00AM-84.2584.08484.08484.16784.084-
1th AugELECTRICAL12 NOON-83.83483.83483.83484.08383.834-
1th AugELECTRICAL2.00PM-83.58383.58383.58383.58383.583-
1th AugELECTRICAL4.00PM-83.33483.33483.33383.33383.333-
2nd AugELECTRICAL8.00AM-83.08383.04283.06283.08383.083-
2nd AugELECTRICAL10.00AM-82.7582.7582.7582.7582.7582.833
2nd AugELECTRICAL12 NOON-82.41782.41782.41782.41782.41782.417
2nd AugELECTRICAL2.00PM-82.16682.16682.16682.16782.166-
2nd AugELECTRICAL4.00PM-81.83381.83381.83381.83381.833-
3rd AugELECTRICAL8.00AM-81.58381.58381.52181.66681.58381.75
3rd AugELECTRICAL10.00AM-81.33481.31281.33381.33381.333-
3rd AugELECTRICAL12 NOON-81.1668180.92881.1678180.928
3rd AugELECTRICAL2.00PM-80.66680.66680.66680.83380.666-
3rd AugELECTRICAL4.00PM-80.33380.33380.33380.33380.333-
4th AugELECTRICAL8.00AM-808080808080.25
4th AugELECTRICAL10.00AM-79.7579.58479.58479.66779.58479.75
4th AugELECTRICAL12 NOON-79.2579.2579.2579.33379.25-
4th AugELECTRICAL2.00PM-78.83378.83378.83379.08378.83379.167
4th AugELECTRICAL4.00PM-78.08378.7578.08378.08478.08378.167
5th AugELECTRICAL8.00AM-77.25-77.2577.2577.25-
5th AugELECTRICAL10.00AM-76.333-76.2576.2576.2576.666
5th AugELECTRICAL12 NOON-74.917-74.91774.91774.91775.917
5th AugELECTRICAL2.00PM-73.5-73.33373.83373.33373.333
5th AugELECTRICAL4.00PM-71.25-71.91770.66770.66771.21
6th AugELECTRICAL8.00AM-56.333--60.08353.08466.75
http://www.accet.in/schedule.pdf