Plan B Capital

23/06/2022

Siroya is a multi-faceted, real-estate development organization having expertise in development of up-market properties. Siroya works with renowned architects and specialists from across the world, bringing the best of
design and technology to its projects. By virtue of its lineage, Siroya assures you uncompromising quality, competitive pricing and luxurious living that are a tradition of the Group. Siroya’s core strength is its ability to understand and meet the needs of its customers through innovative concepts, personalized service, total transparency and of course, buildings of the highest quality. Many of our esteemed customers and prospective home buyers like your good self have desired to live in the city yet tucked away from the city, in a Lifestyle Home that matches your super luxury living.

We bring to you and your family, a new Lifestyle home which we are confident, has all that you have been looking for, just 5 minutes from Manyata Tech Park. Luxury Apartments in RT Nagar, filled with fresh green spaces. It promises to offer you the best in cosmopolitan lifestyle while being an exclusive residential address. With a shopping center with a state-of-the-Art club house, its laid out amidst rolling greens.You can experience

video :Youtube https://youtu.be/3XuSfXom99U
Please feel free to contact us, for further details or site visit.
We assure our best services always.

24/05/2021

How To Decide If A COVID Patient Needs Hospitalization?

India is in the grips of the second wave of COVID-19. There has been a steady upsurge in the number of COVID cases in India since February 2021. And of late, India has been registering more COVID-19 positive results than last year.

Naturally, people are scared. But at a time of crisis, there are two things we all need to do. 1. Strictly follow COVID protocol. 2. Don’t panic.

Despite observing precautions, there is a possibility that people may contract the disease because others haven’t been cautious. In such cases, family members and patients themselves need to stay calm and make sensible decisions. The first question that pops to mind when someone in the family contracts COVID is this – do they need to be hospitalized? Let us address this question.

When should a person be hospitalized?
Remember, not all COVID patients need to be admitted into a hospital. In fact, only a few people who test positive actually need hospitalization.

80 to 90% of patients have mild symptoms that can be treated at home under a doctor’s guidance. Firstly once anyone develops any symptoms, they shouldn’t delay or deny or self-diagnose. In COVID, the first 3 to 5 days are very crucial. The earlier the treatment is begun the better it is. If your family decides to treat you at home then follow all instructions, take all medicines as advised. Here are a few parameters to help you decide when home-care should end and patient needs hospitalization or medical supervision:

Blood oxygen saturation level
Oxygen saturation refers to the volume of oxygen present in your blood. This oxygen is transported to different parts of your body through blood so that your cells can function. Your SpO2 level should always be 95% or more. If the COVID-19 patient’s SpO2 drops below 93%, then he/she will require immediate medical care.

Read about Oxygen Concentrators And How Are They Helping The COVID-19 Patients.

Persistent high fever
Fever is not just a common COVID-19 symptom but it accompanies any infection. In fact, a fever indicates that your body is fighting the disease. But if the body temperature reaches 101 Fahrenheit and refuses to subside for nearly 5 days, the person should be taken to a hospital.

Breathlessness
If Breathlessness is observed in a COVID patient then he/she shall require hospitalization.

Mental confusion
In case of mental confusion, the person shall require hospitalization.

Bluish discoloration of finger or toe
If this occurs, immediate medical attention is needed.

A person is 60 years of age or older
When a senior citizen contracts COVID-19, it is best to consult a doctor on whether he/she needs hospitalization. Even so, not all COVID-positive senior citizens need to recuperate in a hospital. The family doctor who is familiar with the person’s health history should take the call on this.

If a person does not have any of the above, then that person can tide over COVID at home under medical guidance from his doctor. It is advised to only follow your doctor’s advice, be in constant touch with your doctor, keep informing him/ her of your temperature, oxygen levels, and overall status. With the support of family, good nutrition, adequate rest, hydration and medications, the majority of people are recovering at home with help of their doctors.

Rushing every COVID-19 patient to the hospital when the person does not require hospitalization, will only bog down a system that is already reeling under the weight of a record number of COVID hospitalizations. This way, you could actually deprive very ill persons of the emergency care that they need. Speak with your doctor and proceed accordingly.

Disclaimer: The information provided here is for educational purposes only and is not intended to be a substitute for medical treatment by a healthcare professional. Because of unique individual needs, the reader should consult their physician to determine the appropriateness of the information for the reader’s situation.

24/05/2021

Parenting In Covid Times - How To Manage Anger and Frustration

Parents everywhere are losing their temper and yelling at their kids. How to maintain your cool under stress???? Right after many schools and workplaces were closed, there was a push for parents to see the covid crisis as an opportunity to make the maximum out of the unprecedented situation and get the best out of it. Parents were encouraged to organize their kids’ closets, work on their math skills, etc., but instead if parents focused on their children’s emotional state and strived to maintain positive family dynamics it would prove more fruitful.

If you are doing less for your child academically but focusing more on your relationship with your children, then it will ultimately benefit your child in a positive way, both emotionally and academically . It is rightly said that kids can learn only if they’re feeling safe and loved. If there’s a strain in the connections at home, your child’s brain isn’t going to take in what they’re learning because they’re stressed .It’s not as though parents didn’t yell at their kids before. But since things are more stressful right now, parents need to be extra conscious of their own big three: diet/nutrition, activity level and sleep. These impact our mood, as well as our ability to solve problems, stay calm, concentrate and focus. If any of these things are missing, which is likely right now, it can have a major impact on your ability to be at your best .

Be honest with your kids and tell them if you’re tired, hungry, struggling or overwhelmed. Apologize for your bad language and let them know you will work hard to do better. You can even involve your kids in some problem solving about what can be done differently next time. Sometimes when you feel yourself getting upset, take some quiet time to yourself — even if it’s just five minutes in the bathroom.

Sleep regressions are normal in times of uncertainty or a change in routine. Even with regular bedtime rituals and good sleep hygiene, kids of all ages may struggle to fall asleep — they need their parents more than usual right now. If we look at it from their perspective, they feel protected in our association. We are the person from whom they seek reassurance, and they may still need us after the clock strikes nine. Your kids want extra connections with you, and there are plenty of reasons to shift habits and let them sleep with you, if that feels okay to you. If not, think about how you can give them what they need. Maybe it’s extra hugs and cuddles right before bed.

Help your child in every possible manner. Be compassionate towards them. Empathize with them.

Let me give you an example to make things clear. Suppose your kids don’t know how to use the computer, it’s the equivalent of you being asked to suddenly learn everything in Japanese without knowing how to speak the language and, the teacher is impatient because you don’t understand their native language. We can have compassion for both. It’s the same idea with you and your child. You can foster a spirit of compassion and self-compassion .To alleviate your frustration, set aside some time to review the technology. Create a list of common computer problems and ask your child what they think could go wrong. Create a plan of what they can do if the problem occurs, then write it down. This will develop confidence in the child and they'll rejoice in the thought that they are helping you.

Remind yourself that you’re a good parent who is doing the best in such difficult situations. Celebrate your victory everyday with your child.

Remember each moment spent with your child is adding something to their fond memories.........

24/05/2021

The coronavirus disease (COVID-19) brings with it feelings like anxiety, stress and uncertainty —
and they are felt especially strongly by children of all ages.

Though all children deal with such emotions in different ways, if your child has been faced with school closures, cancelled events or separation from friends, they are going to need to feel loved and supported now more than ever.

3 self-care tips for parents during COVID-19

Parents have a lot to deal with. Showing self-care is a good way of modelling the practice to your children.

How parents can support their kids through the pandemic

1. Be calm and proactive

“Parents should have a calm, proactive conversation with their children about the coronavirus disease (COVID-19), and the important role children can play in keeping themselves healthy. Let them know that it is possible that [you or your children] might start to feel symptoms at some point, which are often very similar to the common cold or flu, and that they do not need to feel unduly frightened of this possibility,” should encourage their kids to let them know if they're not feeling well, or if they are feeling worried about the virus so that the parents can be of help.” “From there, we can remind them that there are many effective things we can do to keep ourselves and others safe and to feel in better control of our circumstances: frequently wash our hands, don't touch our faces and engage in physical distancing.”



2. Stick to a routine

“Children need structure lifestyle. And what we’re all having to do, very quickly, is invent entirely new structures to get every one of us through our days, “I would strongly recommend that parents make sure that there’s a schedule for the day — that can include playtime where a kid can get on their phone and connect with their friends, but it also should have technology-free time and time set aside to help around the house. We need to think about what we value and we need to build a structure that reflects that. It will be a great relief to our kids to have a sense of a predictable day and a sense of when they’re supposed to be working and when they get to play.”
For children 10 and 11 or older, I would ask the child to design it. Give them a sense of the kinds of things that should be included in their day, and then work with what they create.

Who is supervising them (I realize that not every parent is going to be home to do this) structure their day so that all of the things that need to get done before anything else happen: all of their schoolwork and all of their chores. For some families, doing that at the start of the day will work best for kids. Other families may find it may work okay to start the day a little bit later after sleeping in and enjoying breakfast together as a family.” For parents who are not able to supervise their children during the day, explore with your caretaker ways to create a structure that works best.

3. Let your child feel their emotions

With school closures come cancelled school plays, concerts, sports matches and activities that children are deeply disappointed about missing out on because of the coronavirus disease (COVID-19). In the scope of an adolescent’s life these are major losses. This is bigger for them than it is for us because we’re measuring it against our lifetime and experience. Support, expect and normalize that they are very sad and very frustrated about the losses they are mourning.” When in doubt, empathy and support are the way to go.


4. Check in with them about what they’re hearing

There is a lot of misinformation circulating about the coronavirus disease (COVID-19). “Find out what your child is hearing or what they think is true. It’s not enough to just tell your child accurate facts, because if they have picked up something that is inaccurate, if you don’t find out what they are thinking and directly address the misunderstanding, they may combine the new information you give them with the old information they have. Find out what your child already knows and start from there in terms of getting them on the right track.”
If they have questions you can’t answer, instead of guessing, use it as an opportunity to explore the answers together.


5. Create welcome distractions

When it comes to processing difficult emotions, “take your cues from your child, and really think a lot about balancing talking about feelings with finding distractions, and allow distractions when kids need relief from feeling very upset.” Have a family game night every few days or cook meals togeter and tell them "We’ve decided that we are going to have a dinner team every night. We mix it up in pairs, so we rotate who is in charge of making dinner for the family.”


6. Monitor your own behaviour

“Parents of course are anxious too and our kids will take emotional cues from us,” “ Parents to do what they can to manage their anxiety in their own time and to not overshare their fears with their children. That may mean containing emotions, which may be hard at times, especially if they’re feeling those emotions pretty intensely.”
Children rely on their parents to provide a sense of safety and security. “It’s important that we should remember that they are the passengers in this journey and we can’t let that get in the way of them feeling like safe passengers.”

24/05/2021

https://navbharattimes.indiatimes.com/business/personal-finance/savings-and-investments/here-are-7-listed-tax-free-bonds-to-invest-for-tax-free-income/articleshow/82852115.cms

Tax Free Bonds To Invest: हर कोई चाहता है कि उसके ऊपर कम से कम टैक्स (Income Tax) लगे और उसे निवेश (Investment) किए गए पैसों पर अधिक से अधिक रिटर्न (Retur...

24/05/2021

What is the second wave and what caused it?

By now we are all aware that the 2nd wave of COVID-19 has arrived. According to the latest coronavirus news, several states have imposed renewed COVID restrictions and vaccination has been liberalized and accelerated so that more people can get the COVID vaccine as soon as possible.

The surge in COVID-19 cases in India has happened quite suddenly and has taken a lot of people by surprise.

It’s no wonder that people are asking what the second wave is, what triggered it, and will the same COVID precautionary measures we adopted throughout last year suffice? Read on for all the answers.

What is the second wave and what caused it?
India recorded the first cases of COVID-19 in March 2020 and then on until September of 2020, COVID cases continued increasing. After September, fewer cases began to be reported and the first wave of COVID officially began to decline. By the beginning of 2021, only a handful of cases were reported pan India, and normalcy was almost restored.

However, from February onwards, cases began to rise exponentially, and in 1 month (February to March) we recorded as many cases as in 6 months of 2020. This is the second wave because it is the second time that COVID cases are on the rise.

What exactly caused the second wave is unknown however, this second wave could have been triggered by a few new strains of the coronavirus including the UK virus, South Africa virus, and the double mutant. These mutants of coronavirus are very infectious and have a high R-value (the number of people who can be infected from one person).

2 other reasons why the second wave has spread like wildfire are –

People’s apathy towards COVID-19 precautions like not wearing masks, not washing hands, not using sanitisers. (pandemic fatigue)
Large-scale congregations especially during the election season and for certain ceremonies.
Why is the second wave so concerning?
The second coronavirus wave is of concern because this new mutant SARS-COV is very contagious and has learned to dodge our antibodies. Even the 18-45 age group, who supposedly has strong immunity, is susceptible. This group has been classified as the COVID-19 super-spreader. They are the ones who have to be out in public the most. And once they come home with the infection, they rapidly spread it to others in the house/apartment building/housing society. This new COVID-19 strain is also infecting children.

Are the symptoms of the second wave COVID infection the same?
Even though the new strains of COVID are accompanied by new symptoms, that does not mean the old symptoms are no longer seen. COVID positive people may still have a fever, body ache, loss of smell/ taste, soreness or dryness in the throat, runny nose, cough. This time, however, solitary symptoms may confuse people. For example, someone with diarrhoea may attribute it to a stomach infection but it is also now a symptom of COVID. Some new COVID-19 symptoms have been noticed. Sometimes just one of these symptoms is exhibited –

Loose motion
Conjunctivitis
Vomiting
Fatigue
Body ache
Headache
Vomiting

Here’s What You Should Do If You Develop Symptoms Of COVID

How to keep ourselves safe from the new COVID-19 wave
The new double-mutated coronavirus too spreads through droplets from infected persons or through contact with contaminated surfaces. That is why the same precautions as before will help you now –

Since this virus spreads through contact and is very contagious, you should only go out when necessary. Stay home at least for the next four weeks which are very critical.
People who have to go out for work need to wear an N95 mask and a surgical mask over it. Stay masked the whole time you are outside. If the double mask seems too suffocating, wear the N95 masks and a face shield.
If you are travelling by cab, turn the AC off and wind the windows down to allow air circulation. The driver must wear a mask.
Use the lift only when you have to, like when you have to reach the top floor of a multi-rise or you are physically not in a state to take the stairs. Lifts can easily spread COVID if an infected person uses them. So, wear a mask inside the lift and do not talk to anyone else sharing the loft with you.
Wear a double mask even if you are going out to your neighbourhood grocery store.
Sanitize your hands when you touch a high-contact surface or any object outside your home.
Wash your clothes and disinfect anything you were wearing/carrying when you went out.
Go out only when absolutely necessary.
Educate children because the new COVID-19 infects children.
Get vaccinated as soon as you can. The COVID vaccine reduces the chances of getting infected and even if you do, the infection will not be serious.
If you notice anyone in your family or yourself showing the symptoms of COVID-19, practise home isolation and book a COVID test right away. Contact your doctor even before the reports arrive. Observe the COVID-19 protocol at all times.

Disclaimer: The information included at this here is for educational purposes only and is not intended to be a substitute for medical treatment by a healthcare professional. Because of unique individual needs, the reader should consult their physician to determine the appropriateness of the information for the reader’s situation

17/05/2021

If the Plan A doesn’t work, change the Plan...Plan B, BUT dont change the goal.

Adapt. Change. Carry On. REPEAT✔️

🔅Life is hard, it’s challenging, sometimes even feels impossible. And society can get into our heads and convince us to believe whatever they want us to believe.

🔅Its within our own POWER and CONTROL to not give in, rather make the best out of the moments and opportunities!

🔅Do whatever you need to do to make your original goal and come up with a different plan to make it successful, no matter how long it may actually take to achieve it.

🔅Remind yourself of how badly you want it, and imagine what your life would look like when you achieve it!

❣️if you don’t believe in yourself no one one else will. SO START BELIEVING 🌟

23/11/2020

ALL THAT YOU NEED TO KNOW ABOUT CAPITAL GAINS TAX

So, you have a property that you want to sell? Of course you can make a good profit out of it, if the market is strong. But then did you know you also have to pay hefty tax on those gains?

One of the best investment options in Bengaluru today is real estate. Many people buy and sell real estate properties, with a pure intention to gain from capital appreciation. But then, they are the ones who pay the highest amount of capital gains tax.

What is capital gains tax?

When you sell a real estate property or any non-inventory asset of value for more than what you have purchased it for, you will have to pay a fee to the government. This fee is termed as capital gains tax.

For instance, if you have bought a property for Rs.25,00,000 and then sold it for Rs.40,00,000 after five years, you will have to pay a percentage of the profit of Rs.15,00,000 (Rs.40,00,000 – Rs.25,00,000) that you make, as capital gains tax to the government.

Short-term vs Long-term Capital Gains Tax
Capital gains tax can be short term or long term. FY 2017/18 reads Short term capital gains refer to profits that you make by selling a property within two years of its purchase. You will have to pay higher taxes on them and they are taxed in the same way as your ordinary income. If you have held on to your property for more than a period of 24 months starting from the date of its transfer, you get to pay long-term capital gains tax when you sell it. This is usually much lower than short-term capital gains.

Assets such as shares, equity-oriented mutual fund units, UTI units, Zero Coupon Bonds, and listed securities are considered long term capital assets if the period of holding is 12 months. Unlisted shares should be held for 24 months to classify as long term capital assets.

Computation of Capital Gains
The process of computation for short term capital gains is as follows:

Any expenditure that is incurred, exclusively and wholly in connection with the transfer of the short-term capital asset is first deducted from the sale value of the asset to estimate the Net Sale Consideration.

The purchase price of the asset or the cost of acquisition as well as the cost of improvement, if any, are to be deducted from the net sale consideration to arrive at the short-term capital gain.

To compute long term capital gains you have to deduct the indexed cost of acquisition and indexed cost of improvement, if any, from the Net Sale Consideration. Indexed cost is calculated by multiplying the cost of acquisition (or improvement) with the cost inflation index of the year of transfer of the capital asset. The benefits of indexation apply only to long-term capital assets.

What Does Capital Gains Tax Apply To?
The government charges capital gains tax on any non-inventory asset that you sell for a profit. This includes cars and investments such as stocks and bonds. It is charged on the profit that you make from selling the asset. However, the following are not defined as “capital assets”:

Any consumable stores, raw materials, or stock-in-trade that is held by a person as inventory for his business or profession. For instance, gold for a jewelry merchant and motor car for a motor car dealer are not categorized as capital assets since those are their stock-in-trade.

Personal effects such as apparels or furniture that are used by a person or his dependent family members. However, paintings, sculptures, archeological collections, jewelry, and works of art are not taken as personal effects.

Agricultural land that is not situated within the jurisdiction of notified area committee, cantonment board, municipality, or town area committee with population of 10,000 or more.

Gold bonds (1980), Special bearer bonds (1991), Gold deposit bonds (1999), and deposit certificates (2015) issued by the Central Government.

Capital Gains for assets transferred by gift or will

If you receive a capital asset as a gift or through a will, it doesn’t attract any capital gain. However, they will arise when you transfer these assets subsequently. In that case the cost of acquisition will be taken as the cost of acquisition to the previous owner.

Exemptions to Capital Gains
There is a list of incomes under Section 10 of the Income Tax Act, which are exempt from capital gain tax. These include:

Short-term or long-term capital gains from transfer of US 64 units, provided such transfer has taken place on or after 1st of April 2002

Capital gain from the transfer (via compulsory acquisition) of agricultural land that is located in an urban area, provided the taxpayer was using the land for agricultural periods for at least two years before the date of transfer. This applies to transactions completed after 1st of April 2004 only.

Capital gain from transfer of land, building, or both, under the AP Capital City Land Pooling Scheme, provided the taxpayer was the owner of such building or land as on 2nd June 2014.

Capital gain from transferring equity shares, equity-oriented mutual fund units, or units of a business trust. Nevertheless, there are certain conditions that need to be satisfied for this exemption:

The units should not be allotted by the trust in exchange against shares of a special purpose vehicle as per section 47(xvii) of the Income Tax Act

STT or Securities Transaction Tax should be duly paid at the time of transfer

The asset has to be a long-term capital asset

The transfer should have taken place on or after the date

Transfer should take place on or after the date on which Chapter VII of the Finance (No. 2) Act, 2004, comes into effect.

Long-term capital gains that arise from transactions carried out at a recognized stock exchange would be exempted from tax, provided the considerations for such transactions are paid in foreign currency. This exemption holds well even if STT hasn’t been paid on these transactions.

Any long-term capital gains from the transfer of shares are exempt from tax if the transaction of acquisition is carried out on or after 1st October 2004. Such acquisition however should not be notified by the Central Government. These transactions do not attract STT.

Re-investing Capital Gains
By re-investing capital gains to purchase other capital assets, you can claim exemption from tax on capital gains to a certain extent.

For instance, capital gains arising from the transfer of residential property can be re-invested to construct or purchase another residential property, anywhere in India (Sec 54).

If you have earned capital gains (long-term or short-term) by transferring agriculture land, you can claim exemption by re-investing the same in the purchase of another piece of agricultural land, either in a rural or an urban area. However, the transferred land should have been used for agricultural purposes by you, your parents, or your family members, for at least two years before such transfer (Sec 54B).

If you have made capital gains by transferring any long-term capital assets before the assessment year 2018-19, you can re-invest the same in the purchase of bonds as specified in section 54EC, to claim exemption from tax (Sec 54EC).

Capital gains from transfer of long-term capital assets are to be re-invested in specified long-term assets, as notified by the Central Government, to finance start-ups (Sec 54EE).

If you have earned capital gains by transferring capital assets other than residential house properties, you can re-invest your net sale consideration in construction or purchase of one residential house property, anywhere in India. However, on the date of such a transfer, you should not own more than one residential house property (Sec 54F).

Any short-term or long-term capital gains made from transferring land or building belonging to an industrial undertaking can be re-invested in acquiring building or land for industrial purposes. However, such land or building should have been compulsorily acquired by the Government and should have been used for industrial purposes for at least two years before the date of such transfer (Sec 54D).

In case you are selling your urban industrial land, building, plant or machinery, so as to shift to a new industrial undertaking to a rural area, you will have to re-invest the proceeds to acquire land, building, plant or machinery in that rural area. It has to be for an industrial undertaking (Sec 54G).

Similarly, if you are shifting your industrial undertaking from an urban area to a special economic zone, the capital gains that you earn by transferring your land, building, plant or machinery should be re-invested in acquiring land, building, plant or machinery, in that special economic zone. You have to use it for industrial purposes only (Sec 54GA).

If you have transferred your residential property (house or plot of land) during the period from 1st April 2012 to 31st March 2017 you can re-invest the net sale consideration to acquire the equity shares of an “eligible company.”

These are some of the ways to get exemption from capital gains tax. However, you have to make sure you satisfy the conditions that are specified in the respective sections. Such re-investment has to be done within the specified period, as mentioned in those sections.

The Capital Gains Account Scheme
Every taxpayer gets about 3 years to re-invest the capital gains that he earns from the transfer of specified instruments. Nevertheless, in certain cases, the due date for filing income tax returns might fall before the end of such specified period. In such cases, it is best for the taxpayer to deposit the amount of capital gains in a capital gains account scheme temporarily. Such deposit has to be made before the due date of filing the income tax returns. The amount can be withdrawn whenever he is ready to re-invest it in the specified instrument.

There are two types of Capital Gains Account: the Savings Account and the Term Deposit Account. The Savings Account is just like any other normal savings account that attracts similar rate of interest. You get a pass book that will contain all details about the deposits, withdrawals, and interest accumulations. This would be an ideal option for you, if you were to re-invest the capital gains in the construction of a house, as you would be requiring money every now and then.

The Capital Gains Term Deposit Account, on the other hand, is like a fixed deposit account where in you deposit the amount for a specified period of time. The interest rate here is higher than that of the Savings Account. Here you get a deposit receipt with details about the amount deposited, the date, and the date of maturity of such deposit. Any withdrawal made before the expiry of the specified period will attract a penalty for pre-mature withdrawal.

The Capital Gains Term Deposit Account is of two types: Cumulative and Non-Cumulative. In case of a cumulative term deposit account, the interest that is earned on the amount would be re-invested. You get the total amount (principal plus interest) at the end of the specified period or at withdrawal, whichever is early. In the non-cumulative option, the interest is paid in regular intervals, which is usually quarterly. You need to pay tax on the interest that you so earn, as per the Income Tax Slab Rates.

To withdraw amount from your Capital Gains Account, you will have to fill up a Form C. Care should be taken to use the amount for the specified purpose, within 60 days of such withdrawal. Unutilized amount, if any, should be deposited back into the Capital Gains Account with immediate effect. Subsequent withdrawals would require the submission of Form D that requires you to describe the way in which you used the previous withdrawals. No cheque books are issued for Capital Gains Accounts.

To close a capital gains account, you will have to submit Form G with the endorsement of the authorized offer on it. You will also have to submit your passbook (in case you have a Capital Gains Savings Account- Type A) or your deposit receipt (in case of Capital Gains Term Deposit Account – Type B) to the deposit office.

Courtesy Prop R