Block UPI Apps if the phone is stolen or lost or lost your SIM Card

For Paytm

Step #1: Call 01204456456 to the PayTM Payments Bankh helpline

Step #2: Choose the "Lost Phone" option. 

Step #3 Select "Enter a different number" and then, type the phone number you lost. 

Step #4: Select the option to log out from all the devices using the samel ogin credentials.

Step #5. Go to PayTM's website (www.paytm.com) and select the option "24x7 help" 

Step #6: You need to choose "Report a Fraud" from among the other options available onboard. 

Step #7: Once you select the appropriate issue, tap on "Message

Step #8: The next screen will asky ou to prove the ownership of thea account by submitting a debit or credit card statement, email, or SMS confirmation, as well as some  documentation such as a police report proving that your phone was lost or stolen 

Step #9: Once all the information is confirmed and verified, you will receive a message confirming that your PayTM account and UPI have been temporarily blocked unless you unfreeze it.

Google Pay

Step #1: Firstly, dial 18004190157

from any smartphone to reach out to

customer service Step 

#2: Talk to the respective customer service representative to answer their queries and ask them to block your Google Pay account.

Step #3: Repeat the following procedure based on if you are using Android or iOS 

PhonePe

Step #1: Dial numbers  02268727374 or 08068727374 

Step #2: Next, you need to mention the phone number associated with the PhonePe account to report it

Step #3: Enter the OTP when required if you have the SIM card or else, select 'report the loss of a SIM or device.

Step #4. You will be connected to a customer service representative where you can report the incident or fraud and ask them to block your PhonePe account.

Step #5: Verify that your PhonePe account has been blocked. You can now seek out a new phone and port your old phone number to a new SIM card and re-active all the services just like the ones that were available previously.

Big EPFO news! Pension to shopkeepers too!!!

The Employees’ Provident Fund and Miscellaneous Provisions Act, 1952 will have to be reformed to remove the salary limit of Rs 15,000 and 20 employees. After this change, self-employed people will also be able to join the EPFO ​​scheme.

Employees’ Provident Fund Organization ie EPFO ​​is working on an important proposal. EPFO is considering a proposal to abolish the salary and the limit of employees in the company. This proposal is being considered to be implemented for all types of formal workers and self-employed people. This means that people whose salary is less than Rs 15,000 and a company that does not have 20 employees can be included in the retirement scheme of EPFO.

To implement this new proposal, EPFO ​​is talking to different parties and its point has also been conveyed to the states. At present, only people whose salary is Rs 15,000 can take advantage of the EPFO ​​scheme. Also, only the company which has at least 20 employees can add their employees to the EPFO ​​scheme. The Employees’ Provident Fund and Miscellaneous Provisions Act, 1952 will have to be reformed to remove the salary limit of Rs 15,000 and 20 employees. After this change, self-employed people will also be able to join the EPFO ​scheme.

Once this amendment is done in the rules of EPFO, then the rule of salary and mandatory number of employees will be abolished. Then any company with any income or salary and any number will be able to join EPFO. At present, the benefit of the retirement scheme of EPFOs available to the same employee or worker whose salary is more than Rs 15,000. EPFO provides a provident fund, pension and insurance facility to its members. These facilities are provided under EPF, Employee Pension Scheme and Employee Deposit Linked Insurance Scheme.

On the other hand, a committee has suggested to increase the salary limit of EPF from Rs 15,000 to Rs 21,000. According to the existing rules, only an employee can join EPFO ​​whose salary is up to Rs 15,000. The rule says that it is necessary to give the benefit of the EPF scheme on behalf of the company to an employee with a monthly salary of Rs 15,000. If the recommendation of the committee is accepted, then the salary limit can be Rs 21,000. Earlier in 2014, the salary limit was increased. EPF was set up in the year 1952 and the 9th increase was done for the last time in 2014.

The money deposited in EPF is for retirement facilities. But in adverse circumstances or subject to certain conditions, money can be withdrawn from PF. During the Corona period, the government had given permission to withdraw advance money from PF. As soon as the limit of Rs 21,000 is fixed, about 75 lakh employees of the country will come under PF.

At present, the benefit of EPF is given to 6.80 crore people. But if the EPFO ​abolishes the rule of the salary limit, then people working in the formal sector and self-employed will also benefit. Under EPF, the benefits of provident fund, pension and insurance schemes are given to the employees.

Multibagger Stocks

A stock is referred to as a "multibagger" if its value increases by multiples after an initial investment. These stocks might be inexpensive but have solid fundamentals and can increase an investor's return on investment by a factor of multiples. Multibagger stocks promise excellent corporate governance and quickly scaleable businesses.

The important features of multibagger stocks are :-

• Low-debt:-A low-debt company is a Zero to a multibagger stock. While the definition of a low-debt company varies by industry, it is generally accepted that debt that is less than 30% of equity value is healthy.
• Sources of income:-Look at the sources that contribute most to the company's income. The stock may merit being a multibagger in the future if the revenue sector appears to be rising at a macro level and the operations seem easily scalable.
• Quarter-on-quarter performance:-Pay attention to the company's(Quarter on Quarter) QoQ revenue multiples. Low multiples could be a sign that the company has a significant upside potential.
• Earnings and price multiples:-Check the price-/-sales and PE ratios based on the revenue and trailing 12-month EPS Increasing the PE level above the stock price more quickly shows multibagging.Based on the trailing 12-month EPS and revenue, check the current PE and price/sales ratios. Being a multibagger is indicated by a faster increase in the PE level over the stock price.The management history, corporate strategy, and yearly reports may all significantly affect stock growth