What is UPI? | What are the uses? | Last Blog of the Year

From Last few day, You probably have heard about UPI.. If you have not heard it, i'm going to tell you about it  because coming days you will hear about it a lot. so firstly

What is UPI?

UPI is the short form for Unified Payment Interface, which can be used to transfer money from any of your Bank Accounts to anyone Instantly

Digital India is most aspired dream for modern day India.. Even though there are more smart phone users in India Mobile Banking as not been implemented as forcasted.. NEFT, IMPS have there own limitations. UPI will eliminate those.

UPI is the Idea of National Payment Corporation of India(NPCI) with support of RBI

NPCI is the institute currently maintaining ATM's and in-charge of Inter Bank Transfer.

How to Use UPI?

UPI is mainly concerned with mobile banking, so for the convenience all major Banks have UPI apps available on respective stores/market places. I strongly recommend to download these apps from stores itself.

Is there difference between NEFT, IMPS and UPI

Yes, there is.

• National Electronic Fund Transfer: To transfer amount you should add all bank details, get approved then you can transfer which also depends whether bank is open or closed. So it is very time consuming.

• IMmediate Payment Service: It is a very good services and gives faster transfer(almost immediate). But same as NEFT you have to enter all the credentials of others bank account and this is also used only for bank to bank transfer not other services

• Unified Payment service: This similar to IMPS but with more features. when you register for UPS you will get an ID which can be shared to others to get money transferred no need of account no, full name, IFSC code etc. the id is enough and fund transfer is immediate

What is the difference between Wallet and UPI?

the difference is very simple

you add money to the wallet through the bank account and use money through wallet and if you want that money back you need to transfer/withdraw to your bank account

in UPI the money is directly transferred from bank accounts.

Where UPI can be used?

 UPI can be used everywhere, from grocery stores to bill payment. You can send and recieve money instantly with any business/merchants/sellers

The transaction limit is 1 Lakh Rupees and transaction fees per transaction is 50paisa

currently this service is in starting pace and is currently used for Inter-bank or Intra-bank transfer only.. In coming days you can pay hotel bills, college fees, taxi fares instantly using UPI

This is an wonderful initiative for cashless India and Truely Digital India

What about the security?

After lot if news about Hacking this days. the first question is how is my money secure while I'm using very vulnerable device

It is maintained by NPCI so no fear about security, because it gives world class encryption

add-on to that you get strongest measure in cyber security Two-Factor Authentication(email verification and OTP verification)


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Install PhonePe app

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What is YouTube RED?? | What are the Benefits?

Unlike YouTube, YouTube RED is a paid subscription app, where you can view videos without any ads.

YouTube RED service is already running in few countries like America, Australia, etc. and it is making a good progress(according to themselves) which will be officially launched in India after June 2017 in beta version.

What are the benefits of YouTube RED:

1. No Ads: Every AdSense linked channels of YouTube contains at least one ad either skip able or non skip able. For members of YouTube Red there will be no ads in beginning or middle and not even on the home page
2. Unlimited Offline:  in YouTube app the videos that you took offline will only be available for 2-3 days after that the video will be gone from the folder. But the subscribers of YouTube RED can save it for long time(till subscription ends)
3. Background Play: In Youtube app, if you minimise the app, the video will be paused. But, in YouTube RED the content(Video/Music) Keeps on playing.
4. Free Play Music Subscription: Download/Stream unlimited latest Music on your Mobile.

What are the Benefit for Creators:

According to YouTube Policies, 55% revenues generated is given to the creators, so even the ads does not play on your Videos, you get paid if a user watches your video so no tensions of Ad Clicks.

WhatsApp Video Calling | How i Got | How to get it

Download WhatsApp2.16.318

Since, the acquisition of WhatsApp Messenger by Facebook. there is significant advancements among which video calling is now on the boom..

To make video calls on WhatsApp Client app the version should be 2.16.318 or higher

In the latest Client app you can Video call from separate section and also from chat page

How can you download:

The WhatsApp 2.16.318 is not available in India's PlayStore yet. To download you have to change it to other countries where it is available or become Beta Tester to get latest update first.

The beta version was released and was tested by lot of developers and enthusiasts around the globe and WhatsApp is ready to roll out its stable version of 2.16.318

You can Download the file which I am using WhatsApp2.16.318 
How to Make Video call:

 Making video call is fairly simple.. When you press Call button a Toast-pop appears asking Video call and Voice call and you can choose..

The video calling is working fine but needs a bit of Minor Refinements

How to become a Beta Tester:

Just go to PlayStore and search WhatsApp, scroll down and you get something like this

and you will get latest updates from WhatsApp


If you face any problem feel free to comment

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The non-optimized Cell Phones Market of India

Hi!! Good Morning, Good Afternoon, Good Evening

" Now a days, Cell phone Manufacturers are manufacturing phones which are more powerful than Laptops Five Years ago" , This is what we feel when you see the advertisements of the Mobile Phones released recent years. But, is it really true??

The manufacturers advertise there product on one key feature like 3 GB RAM or 64 GB Internal storage but there are not depicting there bottlenecks(performance back loggers)

Imagine if an Olympic Sprinter is told to run continuously on rock paved road without shoes, can he run has intended.
or
If a Bugatti Veyron  is fitted with fuel injection system of a Maruti Suzuki 800, can it deliver the same performance.


Imagine a Big workstation and you are working, you can use workstation only till where your hands can reach beyond that point how much ever the workstation be it no use for you. Similarly the worksation is the RAM and person performing work is Android i.e. the android can not utilize that much of RAM. why do you need it.

so, for an optimized smart phone perfect balance between Processor, ROM an RAM is necessary. Which is hard to find in newer phones which are actually degrading Smart phones actual intended Performances.

so dive in and explore and find only few optimized smart phones available. I wish I could afford them.

How to Find your Lost or Stolen Laptop, Mobile or Tablet For FREE

Now a Days, Electronic Devices like Mobiles, Laptops, etc have become like an Organ of our body, we cannot imagine a day without this devices.

What happens if you lost them, Horrible Right!!


Traditionally, if we lost a Mobile phone, we were taking IMEI number(s) to the cops and file a lost complaint, that too if we have the IMEI number.

and if your Laptop is lost, people even do not how to lodge a complaint of because people rearly note MAC ID and people rarely know that S/N no can be used to track down your Laptop.

and the cases where Devices are recovered is VERY RARE. If you have recovered your Lost Devices please feel free to comment down.

Here is a solution for saving your laptop from the Theft. This anti-theft / theft protection project is called PREY(click)

Go to the Prey Project page and click on Get started, you will be taken to the Sign up. Fill the form and get Signed up. I prefer using the Free Edition, It itself is powerful.

 After Sign up you will be taken to the tracking Wizard page. Download the prey according to your Laptop OS

after download finishes Install the file and login with registered EMail ID and password. Then your device will appear in 'Your Devices' List of the tracking wizard.

You can use 3 devices per account so i suggest to download even for your Cell phones. Enjoy the Freedom of Mobility of Mobile Devices without worries.


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