BHAGWAD GITA in One Sentence Per Chapter

BHAGWAD GITA in one sentence per chapter

Chapter 1
Wrong thinking is the only problem in life_

Chapter 2
Right knowledge is the ultimate solution to all our problems_

Chapter 3
Selflessness is the only way to progress and prosperity_

Chapter 4
Every act can be an act of prayer_

Chapter 5
Renounce the ego of individuality & rejoice in the bliss of infinity_

Chapter 6
Connect to the Higher consciousness daily

Chapter 7
Live what you learn

Chapter 8  
Never give up on yourself

Chapter 9
Value your blessings

Chapter 10
See divinity all around

Chapter 11
Have enough surrender to see the Truth as it is

Chapter 12
Absorb your mind in the Higher

Chapter 13
Detach from maya & attach to Divine

Chapter 14

Live a lifestyle that matches your vision

Chapter 15
Give priority to Divinity

Chapter 16
Being good is a reward in itself

Chapter 17

Choosing the right over the pleasant is a sign of power

Chapter 18
Let Go, Lets move to union with God


CDSL launches e-locker facility for Easi / Easiest users

CDSL launches e-locker facility for Easi /Easiest users

 CDSL is pleased to announce the launch of its e-locker facility for investors for storing of personal information and important financial and non-financial documents. The e-locker facility will be available free of cost to investors registered for CDSL’s internet based facilities easi/easiest. CDSL’s e-locker facility will enable users to upload, download, view and store, both, non-financial and financial information/documents through the easi/easiest login id.

Non-financial documents such as Aadhar Card, Birth Certificate, Driving License, Electric Bill, Gas Bill, IT Returns, Lease Agreement, Marriage Certificate, OCI Card, PAN Card, Passport etc  in the e-locker tab made available through  the easi/easiest login id.

While, financial information like Bank details, Term Deposit, Monthly Income schemes, Credit /Debit card related information, Post Office Schemes, Insurance Schemes, Capital Market instruments and any other financial information/document can be uploaded and stored. e-locker also enables users to enter the details of the financial information which facilitates users to obtain a consolidated view of their financial assets.

e-locker also provides alerts through SMS and email e.g. maturity date of term deposits, premium due date, bill payments, renewal of passport etc. Further, one can view, access and share the documents to any email id. e-locker will provide a single point for retrieval and management of all information (Financial and non-financial). Thus, facilitating an anytime-anywhere ease of access to the documents through the internet.

About CDSL

CDSL, a leading securities depository, is promoted by BSE Ltd. and by leading private and public sector banks. CDSL’s enduring focus on delivering quality services and innovative products has propelled it on a high-growth path in recent years. Since the financial services industry has become increasingly IT-reliant, cutting-edge technology is at the heart of CDSL’s strategic vision. 

Above all, it is the ethos built by CDSL’s management - of user responsiveness and ability to speedily address new developments. Presently, CDSL’s services are delivered by 583 Depository Participants to more than 1.09 crore depository accountholders from over 16,000 locations across India. 

For more information on CDSL, visit

Sunil Alvares, SVP-Business Development
Central Depository Services (India) Limited (CDSL)
+91 22 66341857

UTI Fixed Term Income Fund Series XXIV - XV (1099 Days)

UTI Fixed Term Income Fund Series XXIV - XV (1099 Days)

The scheme aims to generate returns by investing in a portfolio of fixed income securities maturing on or before the date of maturity of the scheme. However, the scheme does not guarantee / indicate any return. There is no assurance that the funds objective will be achieved.
Know More SID KIM Application 
  The scheme aims to generate returns by investing in a portfolio of fixed income securities maturing on or before the date of maturity of the scheme. However, the scheme does not guarantee / indicate any return. There is no assurance that the funds objective will be achieved.
30 May
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SMS ‘UTIFMP’ to 5676756   Locate Our Branch
Email :   Find An Advisor
Invest Online   SMS2invest
Toll - Free : 1800 22 1230   Quick Purchase
  This product is suitable for investors who are seeking:*  
Regular income for fixed term
Investment in Debt/Money Market Instrument/Govt. Securities
Investors understand that their principal will be at Moderately Low risk.
  *Investors should consult their financial advisers if in doubt about whether the product is suitable for them.  
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  Mutual Fund investments are subject to market risks, read all scheme related documents carefully.  

Mutual Fund Investment: 5 ways to get your NAV..

5 ways to get your NAV

Toll-Free: 1800-270-7000
MTNL/BSNL: 1800-22-7000


Birla Sun Life Asset Management Company Limited (Investment manager for Birla Sun Life Mutual Fund)
CIN: U65991MH1994PLC080811
One Indiabulls Centre, Tower 1, 17th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013.
Mutual Fund investments are subject to market risks,
read all scheme related documents carefully.


About 55% smokers do not own a Health Insurance policy

About 55% smokers do not own a Health Insurance policy

World No Tobacco Day,  May 31.

ICICI Lombard Survey “What’s your stand on smoking?”

·         80% respondents exposed to passive smoking regularly with 53% of them on a daily basis

·         Nearly half the survey universe felt smoking is too addictive a habit to quit

·        57% smokers do not own a Health Insurance policy

 Even as the debate over the size of warnings on cigarette packets continues to evoke strong reactions, smokers seem to have made up their mind  an overwhelming 72% of respondents say that pictoral warnings or plain packaging would have little impact on their habit.

 Also, only 24% the respondents polled stated that increase in ‘sin taxes’ would compel smokers to give up the habit with 41% of them saying that a stricter imposition on banning smoking in public places would be widely appreciated.

The above, among other significant findings, are part of an ICICI Lombard survey “What’s your stand on smoking?” released today ahead of the ‘World No Tobacco Day’. To highlight the health risks associated with tobacco use and generate awareness, the WHO commemorates World No Tobacco Day on May 31. “Get ready for plain packaging” is the theme set for this year’s campaign. It is worrisome to note then that 53% of the respondents polled stated that they are exposed to some part of passive smoking on a daily basis with a higher percentage (80%) getting exposed at least once a week

Work-related stress (35%) and peer-pressure (38%) were among the chief reasons for people to take up smoking with 49% of the respondents stating it has become a habit hard to quit. Though a small percentage, but it is worth stating that 20% of the respondents felt that smoking is ‘just another habit’ which in moderation should not cause any problems.

Sanjay Datta, Chief-Underwriting,
Claims & Reinsurance,
ICICI Lombard General Insurance Company Ltd.

Commenting on the Survey, Mr. Sanjay Datta, Chief-Underwriting, Claims & Reinsurance, ICICI Lombard General Insurance Company Ltd. said, "The ICICI Lombard survey reveals interesting insights but most significantly it underscores the fact that the fight against smoking is far from over.
One of the most alarming findings of the survey was that only 10% of the respondents felt the need to buy a health insurance policy as a measure to combat the problem. It thereby emphasizes that as insurers and as a society, we are yet a long way away from spreading full awareness about the ill-effects of smoking.”
 57% of the survey participants stated that they do not hold a health Insurance policy while 77% of those who had a policy said that they own a regular health insurance policy as against a specialized policy with critical illness or one with high deductibles.
ICICI Lombard conducted the national wide survey in the age group 22-45 to which they received over 1000 responses.

About ICICI Lombard General Insurance
ICICI Lombard GIC Ltd. is a joint venture between ICICI Bank Limited and Fairfax Financial Holdings Limited, a Canada-based diversified financial services company engaged in general insurance, reinsurance, insurance claims management and investment management. 

ICICI Lombard GIC Ltd. is one of the leading private sector general insurance companies in India with a Gross Written Premium (GWP) of Rs 83.07 billion for the year ended March 31, 2016. The company issued over 15.80 million policies and settled over 1.62 million claims as on March 31, 2016.

ICICI Lombard General Insurance has won the coveted “Golden Peacock Award for Corporate Social Responsibility, 2015. The company has received the award for its continuous contribution to CSR and specially for its ‘Caring Hands’ initiative, an employee volunteering CSR program.

ICICI Lombard was also conferred with the ‘E-Business Leader’ Award in the General Insurance Category at the 5th annual edition of the Indian Insurance Award 2015 for its performance, growth, product and market innovation, customer service and technology. ICICI Lombard has also won the prestigious Celent Model Insurer Award, 2016 for legacy and Eco-system transformation.

The company also received the Golden Peacock Innovation Management Award 2015 for innovation across multiple functions of its business operations and promoting the 'culture of innovation', with specific acclaim for the company's approach in 'Mobility Solutions' and 'Customer Centric Initiatives'. ICICI Lombard was also named as the "Best Travel Insurance Company" by CNBC Awaaz Travel Awards 2015 presented by the Chattisgarh Government based on an online and on-air survey.


Everyone has the brainpower to make money in Shares. - Peter Lynch

Everyone has the brainpower 
to make money in stocks. - Peter Lynch

Investing Mantra's - Stock,

" Everyone has the brainpower to make money in stocks.
 Not everyone has the stomach.
If you are susceptible to selling everything in a panic, you ought to avoid stocks & stock mutual funds altogether." 


Toyota Technical Education Program [BP- T-TEP] Launch at Govt. Industrial Training Institute in Sanathnagar, Hyderabad


·         TKM to tie-up with Industrial Training Institutes to set up distinctive training model.
·         T-TEP, a CSR Initiative by Toyota Kirloskar Motor started in India in 2006.  
·         Toyota has partnered with 46 Institutes so far under the TTEP program.
·         Will expose students to the latest technology in automotive repair.
·         On-the-job training at nearby Toyota Dealerships.
·         Total of 385 students have been trained by TKM through this program from the state, of which 75% have been recruited.

Toyota Kirloskar Motor Pvt. Ltd. in collaboration with Toyota Motor Corporation and its nationwide dealer network announces the launch of its distinctive training model – Body & Paint Technician (T-TEP) at Government Industrial Training Institute, Sanathnagar.  The event marked the Launch of 1st BPT-TEP Program in Telangana State.

The event was graced by the presence of:

·        Sri. Nayini Narsimha Reddy, State Minister for Home, Prison, Fire Service, Sainik  Welfare, Labour & Employment & Training Departments ,Factory Telangana
·        Shri. Talasani Srinivas Yadhav, Minister for Animal Husbandry, Fisheries, Dairy Development Corporation & Cinematography Department Telangana
·        Sri. K. Y. Nayak, Director of Employment & Training, Telangana
·        Mr. B Padmanabha, Vice President – Customer Service Group, Toyota Kirloskar Motor Pvt. Ltd

In an endeavour to bridge the gap between industry requirement and the need for skilled labour, Toyota Kirloskar Motor has already established a General Training T-TEP, at Hyderabad, in association with HEH The Nizam & Alladin Technical Institute -Industrial Training Centre.

To support “skill India Initiatives”
Number of T-TEP institutes in India
Number of TT-EP institutes in Andhra Pradesh
2 in Hyderabad
1 in Vishakhapatnam
Number of students trained under T-TEP program across India
Percentage of students recruited
T-TEP, a special training module in which Toyota has tied up with industrial training institutes, was launched in 2006 in India. The program aims at providing technical know-how training to IT students across India along with providing hands on real time experience within Toyota dealerships.

After a span of 10 years, TTEP is now associated with 46 training institutes under the program.

In its first year, the program was implemented in Delhi, Mumbai, Chennai and Hubli. The program was subsequently introduced in Bengaluru, Mysuru, Lalru, Pune, Cochin, Ahmedabad, Hyderabad, Ghaziabad, Kolkata, Jaipur, Jalandhar, Indore, Vizag, Ludhiana, Cuttack, Haldwani, Nalbari, Gurgaon, Satara , Paramakudi , Chalakudy, Mangaluru, Calicut & Nashik.

Till now around 4594 students are trained under this training program and 65% have been offered employment opportunities at Toyota Dealerships across India.  This is the third T-TEP in Andhra Pradesh, including two institutes in Hyderabad and Vizag established in the years 2007 and 2011 respectively. Till date, a total of 385 students have been trained by TKM through this program from the state, of which 75% have been recruited.

With this program, Toyota Kirloskar Motor intends to enhance the technical abilities and employability of Industrial Training Institute (ITI) students in the age group of 16 to 18 years. The program will benefit ITIs in building skilful technicians for the Indian automotive repair industry. The current automobile repair industry is characterised by inadequately skilled manpower and lack of professional training for repair and diagnostics. T-TEP is a unique initiative undertaken by TKM, in partnership with ITIs and its dealer partners across India to address this issue.  

The event marked the Launch of Body & Paint TTEP Program. The BP T-TEP training syllabus imparts training on basic body and paint repair skills in addition to dealer specific requirements to students, thereby improving their knowledge of repair techniques and facilitating the adoption of latest technology in Body & Paint. Currently Body & Paint technicians have limited information and hands on experience in the usage of correct repair operations and techniques, forcing dealers to recruit manpower from local garages. Toyota along with its supplier partners, Axalta Coating Systems India Pvt Ltd and 3M, will provide all necessary support to the institute i.e. training consumables, visiting faculty, training material, tools, equipments etc. Introduced in the year 2009, Automotive Body & Paint repair training has been provided to more than 1200 students till now.

Commenting on the occasion Mr. B Padmanabha Vice President – Customer Service Group, Toyota Kirloskar Motor Pvt. Ltd said, “Over the span of 10 years we have successfully managed to implement our T-TEP program in 419 institutes across 53 countries. In India, we have established successful association with 46 institutes across cities under the TTEP program. It is in line with Government’s ‘Skill India’ program helping bridge the gap that lies in the availability of highly skilled workforce to match up with India’s rapidly growing industrial sector.  With these T-TEP launches we are further reinstating our objective to carve out opportunities for talented students from the rural areas and make them more employable for the Indian automobile industry. As we reach out to other ITIs in the coming years, we wish to contribute towards a marked increase in the availability of skilled manpower in the Indian automobile repair industry. We are committed to provide the best to the students, which will eventually benefit the industry on the whole”

“The special course of Body & Paint Technician is designed keeping in mind the advanced technology required for the Automobile Market. We thrive to give best to the students who will eventually contribute to the growing Automobile Market and Service Industry” he added

The BP T-TEP, a 1 year syllabus, introduces students to Toyota’s advanced technology and service techniques. It also includes, on-the-job training, at Toyota’s dealerships. As a part of this program, TKM will also train institute instructors in the latest technology, used at Toyota and the automobile industry.

TKM plans to introduce this program to technical institutes across the country in the coming years and reach out to over 1000 students per year. The project is jointly funded by Toyota Motor Corporation and Toyota Kirloskar Motor. Together they provide T-TEP institutes with hi-tech training packages and Toyota service training manuals and materials. Axalta Coating Systems India Pvt Ltd & 3M India Ltd, have also extended their support by providing latest equipments and material required for training

T-TEP supports Toyota’s comprehensive human resource development system that extends from training at T-TEP institutes to recruitment and development at Toyota dealerships.

T-TEP is widely recognized across the globe for its effectiveness. The program has been successfully introduced in 419 institutes across 53 countries by Toyota, which includes USA, Australia, Italy, South Africa, China, Vietnam and India.

Overview of TKM

Company name
Toyota Kirloskar Motor Private Limited
Equity participation
TMC: 89%, Kirloskar Group: 11%
Number of employees
Approx. 7, 000 +
Land area
Approx. 432 acres (approx.1,700,000 m2)
Building area
74,000 m2
Total Installed Production capacity
Upto 3,10,000 units

Overview of TKM 1st Plant:
October 1997 (start of production: December 1999)
Innova, Fortuner manufactured in India.
Prado, Land Cruiser and Prius imported as CBUs.
Installed Production capacity
Upto 1,00,000 units

Overview of TKM 2nd Plant:
Start of Production
December 2010
On the site of Toyota Kirloskar Motor Private Limited, Bidadi
Corolla Altis, Etios, Etios Liva, Etios Cross, Camry & Camry Hybrid
Installed Production capacity
Upto 2,10,000 units

For Any Further Queries Please Contact:

Toyota Kirloskar Motor Pvt. Ltd.
Priyanka Bhattacharya
Mobile : +91 9880767778
Kaveri Mandanna
Mobile:+91 9901977617



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