Forward spam and unwanted SMS texts to +91-86000-44733

Quick Heal Mobile Security has been protecting Android and BlackBerry users effectively. However, one of the most persistent threats to mobile devices is the abundance of spam, fraudulent, marketing and other unwanted text messages that people receive. SMS (Short Message Service) messages are the most widespread means of communication for millions of people all over the world and the low cost and ease is simply unbeatable.

However, there are many parties that take undue advantage of this medium and bombard our inbox with spammy texts. Some of these are legitimate, yet unwanted, offers from marketers whereas others are simply fraudulent scams that try to entice and fool people. The recent rise in SMiShing attacks further demonstrates this claim.

Quick Heal now provides a phone number that you can forward such SMS messages to. We will take a note of all such messages that reach us and this information will help us enhance our protection.

If you receive spam and unwanted marketing messages, kindly forward such messages to +91-8600044733.

Quick Heal Mobile Security provides a feature that lets users block unwanted messages from suspicious numbers. Our scan engine analyzes such messages and this information is utilized to improve the protection features offered. Since such messages are a rising concern amongst mobile users, the feedback we receive will help us improve the capabilities of our engine. That directly translates to ensuring progressively better detection rates and enhanced security.

• Please note that one does not need Quick Heal Mobile Security installed on his/her mobile phone to forward an SMS to this number.
• Additionally, regular SMS rates (as per user plan) will apply to anyone who forwards a suspicious message.
• The message sent by interested individuals will be treated as a valuable and voluntary contribution to the security community.
• We also request readers to store this number for future reference.

Click here for more details on Quick Heal Mobile Security for Android and BlackBerry products.

 Source : Sanjay Katkar

BEWARE !!! The Rising Threat of SMiShing reaches millions of mobile users

Most of us have had to deal with rampant phishing emails at some point or the other, but the latest social engineering trick targets the device that we carry with us at all times – the mobile phone. SMiShing is an evolutionary form of phishing that uses text messages and SMS services to target people and extract private information.

Such messages are textbook representations of social engineering exploits that make use of a ‘bait’ and a ‘hook’. The bait is represented by any content that instantly attracts attention and instills a sense of urgency. For instance, winning a lottery worth millions of dollars is a commonly seen bait. The hook is either a phone number or a URL that the victim needs to call/text or visit respectively.

A victim who falls for the bait is then asked to submit personal details of varying nature. This includes credit/debit card details, bank account details, contact information and more. Subsequently, this information is misused in clever ways to derive monetary benefit for the attacker.

What makes SMiShing effective?

The single biggest contributory factor to the rise of SMiShing is the fact that people carry their mobile phones with them at all times. This gives attackers plenty of opportunities to send tempting messages as the receivers view the messages almost immediately.

A majority of mobile users are still unaware about such persistent and pervasive threats. Unfortunately, user ignorance is one of the biggest causes of the success of social engineering techniques.

Smartphone owners underestimate security threats pertinent to their devices and this increases their vulnerability. An effective security suite on a smartphone can prevent several threats.

If a victim responds to a smishing message, his phone number is validated. This leads to further targeted attacks for that number and also helps the attacker narrow down his list.

What mobile users must do

Users should be aware of the various kinds of baits that they can be exposed to. For example; a frequently used bait is one which describes that a user has been registered for a service and needs to contact a specific number or visit a certain URL to cancel the registration. Other baits mention that some amount of money has been charged and this elicits a response.

Here are some tips and points that all mobile users should pay attention to:

• DO NOT fall for scams, gifts and offers that appear out of the blue
• DO NOT click on the links (for smartphones) that appear in such messages
• DO NOT call back on numbers that claim to offer gifts and benefits
• DO NOT panic if the SMS makes some dubious or nefarious claims
• DO NOT fall for a fake sense of urgency created by them
• DO check with the official website of a company for any offer that is mentioned
• DO contact local authorities if the same number or SMS persists
• DO be cautious if an SMS asks for personal and financial information
• DO look out for spelling mistakes, grammatical errors or inconsistency of language
• DO have an anti-spam solution in place and update your OS regularly

Attackers prey on the virtues of trust and goodwill and more often than not, it is the ignorance and carelessness of victims that lets them win. An effective solution like Quick Heal Mobile Security allows you to block spam messages and create black lists of numbers to block. As a result, SMiShing dangers are considerably reduced. Along with a robust security solution we also encourage and recommend the spread of awareness about this issue.

Source : Rahul Thadani

Rolling Deposit Scheme – Online train reservation to get better

IRCTC to introduce Rolling Deposit Scheme for online Train Ticket Reservation

May be the first step to in the process of providing a user friendly interface for online reservation of train tickets, irctc.co.in has planned to lanuch a Deposit Scheme called “Rolling Deposit Scheme” (RDS) for faster online booking.

The features of this Scheme is as follows:

It is scheme allowing passengers to reserve seats against advance money deposited by the passengers with irctc.  The aim to get advance deposits from the persons booking rail reservations is provide them fast service while booking online tickets.  It would also avoid failed bookings due to network connection failure between irctc and user banks.

Under the Rolling Deposit Scheme, a user can deposit money in advance with IRCTC and use it as a payment option amongst the other payment options available on IRCTC website for paying money at the time of booking tickets.

While official announcement on thie Rolling Deposit Scheme is yet to released by irctc

Source: Times of India

How to ensure health insurance plans for extended family

Many individuals are preparing for a life without a comprehensive health insurance cover for their family as insurance companies are busy imposing caps, sub-limits, co-payment clause, among other things, on corporate group health insurance schemes to cut the mounting losses on these plans. 

Needless to say, it puts some members of the family, especially elderly parents, at grave risk. They can salvage the situation in two ways.

First, by going for an individual health insurance cover for every member of the family. If money is an issue, they have another option of getting a family floater plan that will cover the entire family.

However, most family floaters restrict the coverage to two adults and two children, which means the elderly parents are likely to be left out again.

Grim scenario, right? Not necessarily. You now have a third option of buying a health insurance plan that will cover not only your parents, but also in-laws, siblings and even cousins.

"During customer research, we found out that customers are more concerned about the health of their family members than their own. Also, the joint family system is still quite prevalent in India," says Neeraj Basur, CFO of Max Bupa.

"Our research showed that there was a significant lack of coverage for dependant parents and in-laws, given that group covers rarely insure dependants. We saw this as an opportunity to provide individual covers that could be gifted to an extended family," adds Harshal Shah, director, marketing, Aegon Religare Life.

No wonder, the recently-launched online defined benefit health plan from Aegon Religare Life has brought parents, in-laws and siblings under the coverage ambit.

Similarly, Oriental General Insurance's family floater allows the holder to include either parents or parents-in-law in the plan. Max Bupa has been promoting its product with cover for multiple relations as its USP. Oriental General Insurance's family floater allows the holder to include either parents or parents-in-law in the plan.

Your Friend Papaya

Poets and authors have likened its scent to that of an ethereal, otherworldly experience. Sensual, earthy and almost wildly exotic in an olfactory sense, the humble papaya is one of earth's finest gifts to mankind. Here are a few reasons why you should include this fruit in your diet: 

Low in calories, high on nutrition, it's an excellent choice for those on a diet. 

The peel of the papaya helps in healing skin wounds and injuries. 

The fruit has anti-inflammatory and anti-cancerous properties. People affected with osteoporosis, arthritis and oedema should consume it regularly. 

The fruit is good for hair growth and is known to check the growth of dandruff.  Papaya is one of the most trusted detox solutions. If taken in moderation, the fruit can help get rid of toxins from the body. 

Those suffering from constipation and indigestion can rely on the papaya for relief. 

Why HBA is better than House Loan granted by PSU banks?

It is a fact that after implementation of Sixth Pay Commission recommendations House Building Advance (called as HBA) granted by Central Government to its employees lost its charm as it is no longer a house loan commensurate with the present cost of construction.

Click here to Read GConnect article for details of HBA Scheme revision after 6CPC

The very term “pay in pay band” put in the place of “Basic Pay” after 6cpc implementation has made most of the damage as it has reduced the eligible amount of HBA. Alternatively, Pay in Pay band plus Grade pay should have been taken for calculation of eligible amount of HBA, as Pay in pay band + Grade pay form the Basic Pay of an employee after 6CPC for all purposes (For example DA, HRA, NPA etc are calculated only based on pay in pay band + grade pay).

So, it is a common grievance of all Central Government Employees that HBA should be based pay in band and Grade Pay.

The remaining damage for reduction of eligible amount of HBA are done by the conditions after 6CPC that Maximum ceiling of HBA is Rs.7.5 lakhs and that number of times of pay in pay band taken for calculating eligible HBA amount is 34 times only.

Why HBA is better than House Loan granted by PSU banks?

The very reason for which a Central Government Employee wanted to go for HBA rather than house loan granted by all PSU Banks and financial Institutions is the rate of interest charged for House Loan. While House Building Advance Scheme of Central Government charges interest ranging from 6.5% to 9.5% from the year 2003 depending on HBA amount sanctioned, PSU banks or financial institutions charge not less than 10.5 % presently. The other major benefit in the House Building Advance Scheme is the Quantum of monthly recovery. While PSU Banks recovers part of Principal and Interest at the same time on monthly basis which is called as EMI, HBA Scheme allows for recovery of principal amount only, for a period up to 180 months and interest thereafter for a period not exceeding 60 months. So, the quantum of monthly recovery amount for a particular loan amount under HBA scheme would be very lesser than EMI charged for same Loan amount taken from PSU banks.

We hope Government would come up with suitable amendments to rectify this common grievance of central government employees soon.

In fact, as per 6CPC recommendations the existing HBA scheme should be replaced with a New HBA Scheme as per which Government should tie up with leading PSU Banks for grant of housing loan at competitive rates to Central Government Employees and out of the interest charged by the banks for the housing loan, 2% of the interest should be subsidized by the Central Government (In the case of employees with disability the interest subsidy will be 4%).

However, this new HBA scheme is yet take off and in the mean time Ministry of Urban Development has issued Office Memorandum No: I-17011/11(4)/2008-H.III dated 27.11.2008 for revision in house building advance in which Maximum ceiling for cost of construction, HBA amount ceiling and number of times of pay in pay band to calculate eligible HBA have been revised to Rs.30 lakhs, Rs.7.5 lakhs and 34 times of pay in pay band respectively.

Click here to Read GConnect article for details of HBA Scheme revision after 6CPC

Photo ID must for non-AC train travel

Railways is set to make it mandatory for passengers travelling in non-AC sleeper class to carry identity proof as part of its efforts to check the widespread menace of transferred tickets sold by touts.

The decision to carry a valid I-card for train passengers in non-AC reserved class is being finalised and likely to be announced shortly, a senior railway ministry official said.

"This is being done to strengthen measures to keep a check on passengers travelling on transferred tickets," the official said.

Earlier in February, railways had made it mandatory for AC class passengers to carry identity proof with them. Passengers travelling on a Tatkal or an e-ticket are also required to carry I-cards while undertaking train journey.

"Non-AC travellers were kept out of the photo I-card decision at that time," the official said, adding that "the policy ambit is being widened now so that every passenger in reserved class onboard a train has a valid identity card."

Once the decision is announced, passengers failing to produce original identity proof in sleeper class, as and when asked for, will be treated as "without ticket" and charged accordingly.

The rule will apply for all sorts of tickets, including those for sleeper class, issued by Railways through computerised passenger reservation system (PRS) or internet.

The decision to introduce photo I-cards for sleeper class passengers is likely to deter touts from booking tickets on fictitious names and selling the same to passengers at a premium price, the official said.

Passengers can carry any of these nine ID proofs while undertaking train journey - voter ID card, passport, PAN card, driving licence, photo identity card having serial number issued by central/state government, student identity card with photograph issued by recognised school/college, Aadhar card, nationalised bank passbook with photograph and credit cards issued by banks with laminated photograph.

A campaign will be soon launched to spread awareness among passengers of sleeper class regarding the move to carry photo identity cards, the official said. Message will be printed on train tickets for spreading awareness among the people.

Walk-in Facility for Passport

The Ministry of External Affairs issued an advisory in June, 2012 to all Regional Passport Offices in the country to introduce walk in facility to ease availability of on line appointment and facilitate easy submission of forms for passport applications under following categories:

• Applicants for Tatkaal services (fresh / re-issue cases);

• Applicants for issue of Police Clearance Certificate (PCC);

• Applicants for deletion of ECR status in passports without any change in personal particulars;

• Applicants for inclusion of name of the spouse in passport;

• Applicants with valid passports, seeking new booklets in case of exhaustion of visa pages;

• Senior Citizens (above 60 years);

• Minor below 15 years whose parents hold valid passports;

• Physically challenged persons; and

• Central / State Government servants, their spouses and dependent minor children who have ‘No Objection Certificate’ / Identity Certificate.

The Ministry of External Affairs has recently introduced walk in facility to ease online appointments and smoothen submission of applications at the six Passport Seva Kendras (PSKs) under Regional Passport Office, Hyderabad from these above mentioned categories of applicants w.e.f. August 01, 2012.

The Minister of State in the Ministry Of External Affairs Smt. Preneet Kaur provided this information in reply to a question in Lok Sabha.

Source: Press Information Bureau

Pledge for Eliminating Gender Biased Sex-Selection

Child Development and Health and Family Welfare took a pledge to eliminate gender biased sex-selection and violence against women in all forms, here today.

Speaking at the occasion, Smt. Tirath said that sex selective abortion of female foetus is one of the main reasons for declining child sex ratio in the country. The sex ratio which was 927 in 2001 has fallen to 914 in 2011. She said that violence against women has increased, which is a cause of serious concern. This pledge is an initiative of the Ministry in the direction of eliminating gender-biased sex selection and violence against women in all forms. She further stated that 9th August, a day commemorated in the history of India as Quit India Movement, has been selected to symbolize the collective resolve of the Public Servants of India to make the social evil of sex selective abortion to ‘Quit India’. The Minister for Health and Family Welfare, Sh. Ghulam Nabi Azad also stated that he has written to the hospitals and health care centres to take the pledge. He said that the issues of child malnutrition and sex biased abortions are national issues and need to be addressed by all.

The Ministry of Women and Child Development has written to all States and Union Territories and all Ministries and Departments of the Government of India to take this pledge today. In his letter, Sh. Prem Narain, Secretary, Ministry of Women and Child Development, has stated that the Public Servants have a significant role in arresting the decline in child sex ratio at all tiers of public governance, be it in prevention, advocacy, or in implementing the laws of the land that prohibit sex selective abortion. It is therefore important that the public servants are formally made aware of their role in lending a hand in this social cause.

FAQ on GPF (General Provident Fund)

Q. What is the procedure to increase or decrease General Public Fund (GPF) Subscription? 

Ans. GPF subscription can be increased or decreased by submitting request for the same.

Q. Can I get Temporary advance from G.P.Fund for children"s higher education? 

Ans. Yes Temporary advance and Final Withdrawal both can be availed for Children"s higher education on production of necessary documents.

Q. Who will make payment on account of final withdrawal from GPF during the last two years of service prior to retirement? 

Ans: Only Fund Cell of PCDA(R&D) will make payment in such cases.

Q. When the employee can withdraw money from GPF without assigning any reason and the percentage permissible? 

Ans: An employee can withdraw final withdrawal from GPF up to 90% of credit balance within six months prior to his retirement.

Q. What is the maximum number of installments in which temporary advance out of GPF can be recovered? 

Ans: GPF advance can be recovered in not more than 36 installments.

Q. If it is noticed that amount drawn by an employee out of GPF was not debited in the same financial year. How it will be adjusted? 

Ans: The amount withdrawn will be debited in the CCO-9 and up to date interest will also be debited.

Q. What is the minimum & maximum rate of subscription? 

Ans: A Government employee can subscribe minimum 6 percent of total emoluments and not more than his total emoluments in his/her GPF.

Q. What is DLIS and what are the conditions for the same to be paid? 

Ans.DLIS stands for Deposit Linked Insurance Scheme. DLIS is given to family of the GP fund subscriber on his demise. Maximum limit of DLIS is Rs.60,000.

Q. How the discrepancies in the GP Fund statement will be settled/rectified? 

Ans.The cases of discrepancies in the GP Fund statements should be taken up with the concerned pay audit section under PCDA(R&D) (DRDO Cell/Sub-office of PCDA(R&D)).  The section after verifying the same forwards it to the Fund cell under PCDA(R&D) for rectification. 

Advantages of second home loan : Unlimited IT exemption on Interest paid

Its a well understood fact that the investment in a house is one of the investments that brings in high returns. In addition to the appreciation on the real estate value, the income tax exemption benefits brought in by the home loan is also considerable. Many of us might have availed the home loan considering this benefit.

A home loan for the purchase of residential unit is eligible for tax exemption under Section 80C of the Income Tax Act.

You will enjoy tax-exemptions via following two ways

• Upto Rs 1 Lakh for Principal Repayment that can be claimed under section 80 C
• Up to Rs. 1.5 Lakh on Interest Repayment, that will be deducted from your taxable income under Section 24.
• But the home loan for a second home is to bring much higher benefits. There is no exemption for repayments on the principal element. However the interest paid on the second home loan is exempt from taxable income and the advantage is that there is no upper cap on the amount that is exempted. Considering the existing market price of the residential properties, the gains achieved will be considerable.
• In case more than one borrowers are availing the loan, all the joint borrowers are eligible for exemption on the interest element individually. Also the interest paid during the period of construction of the second home is also exempt from taxation up to 20 per cent of the total interest paid during this period. 
• If the second house is not self-occupied house and you have to pay taxes for rental income from it. This income is calculated after deducting up to 30% on maintenance expenses and property taxes. 
  
  

  The new DTC Provisions

  
  

  Despite some initial reservations on this issue the revised draft of the Direct Tax Code has maintained all the present benefits of the home loan payers in its provisions and it is unlikely that the benefits being offered will be withdrawn anytime soon

190000 posts to be filled up in Indian Railways

Minister of State for Railways Mr.Bharatsinh Solanki has informed in the Rajya Sabha that already notifications for filling up 1,90,000 vacancies in Indian Railways have been issued by Ministry of Railways recently. The full text of this Rajya Sabha Q&A published in Rajya Sabha Website is as follows.

Rajya Sabha Q&A on filling up 1.90 lakhs vacancies in Indian Railways

GOVERNMENT OF INDIA

MINISTRY OF  RAILWAYS

RAJYA SABHA

 UNSTARRED QUESTION NO-894 by SHRI SABIR ALI

(a) the details of safety related vacancies in Railways as on 30 June, 2012 and since when these have been lying vacant; and
(b) the steps being taken to fill up the existing vacancies on priority basis?

ANSWERED ON-17.08.2012 by MINISTER OF STATE IN THE MINISTRY OF RAILWAYS (SHRI BHARATSINH SOLANKI)

(a) The number of vacancies in safety category posts as on 01.04.2012 is 149271 (provisional). Arising and filling of vacancies is a continuous process. Vacancies arise due to normal retirement, voluntary retirements, deaths, promotions, creation of posts, etc. 

(b) The policy of the Railway Administration is to fill up available vacancies promptly as per laid down procedures. Notifications for filling up of about 1,90,000 posts, including safety category posts have already been issued.

Career Links

	Academics
	• University Grants Commission - www.ugc.ac.in • Central Board Of Secondary Education - www.cbse.nic.in • Delhi University - www.du.ac.in • Jawaharlal Nehru University - www.jnu.ac.in • National Council for Teacher Education - www.ncte-in.org • National Council for Educational Research & Training - www.ncert.nic.in • Ministry of HRD (Education) - www.education.nic.in
	Aviation
	• Directorate General of Civil Aviation - www.dgca.nic.in • IATA training - www.iata.org • Ministry of Civil Aviation - www.civilaviation.nic.in • Indira Gandhi Rashtriya Uran Akademi - www.igrua.gov.in
	Banking
	• Reserve Bank of India - www.rbi.org.in • State Bank of India - www.statebankofindia.com • Panjab National Bank - www.pnbindia.com • Corporation Bank - www.corpbank.com
	Civil - Services
	• Union Public Service Commission - www.upsc.gov.in/ • Staff Selection Commission - ssc.nic.in • Department of Personal & Training - www.dopt.nic.in
	Defence
	• National Defence Academy - www.nda.nic.in • Indian Army - www.indianarmy.nic.in • Join Indian Army - www.joinindianarmy.nic.in • Indian Air Force - www.indianairforce.nic.in • Indian Navy - www.indiannavy.nic.in
	Engineering
	• All India Council of Technical Education - www.aicte.ernet.in • The Institutions of Engineers (India) - http://www.ieindia.org • IIT-Kharagpur - www.iitkgp.ac.in • Bureau of Energy Efficiency - www.bee.gov.in • Distance Education Council for distance education in Engineering - www.dec.ac.in • Joint Entrance Examination (Orissa) - www.jeeorissa.com
	Finance
	• The Institute Of Chartered Accountant – www.icai.org  • The Institute Of Company Secretaries of India – www.icsi.edu • National Stock exchange of India - www.nseindia.com • Bombay Stock exchange - www.bseindia.com • Indian Institute of Banking & Finance – www.iibf.org.in • Indian Institute of Statistical Institute - www.isical.ac.in
	Hospitality
	• Incredible India - www.incredibleindia.org • Ministry of Tourism - www.tourisminindia.com
	IT
	• Ministry of IT - www.mit.gov.in • DOEACC - www.doeacc.edu.in • Centre For Development of Advance Computing - www.cdac.in  • Indian Institute of Technology Madras - www.iitm.ac.in
	Law
	• Supreme Court of India - www.supremecourtofindia.nic.in • Ministry of Law & Justice - www.lawmin.nic.in • National Commission for Women - www.ncw.nic.in • Central Administrative Tribunal - www.cgat.gov.in
	Library Science
	• Raja Rammohun Roy Library foundation - www.rrrlf.nic.in • National Archives Of India - www.nationalarchives.gov.in
	Management
	• Indian Institute of Management, Calcutta - www.iimcal.ac.in • Indian Institute of Management, Ahmedabad - www.iimahd.ernet.in
	Media
	• Indian Institute of Mass Commission - www.iimc.nic.in • Publications Division - www.publicationsdivision.nic.in • DoorDarshan - www.ddindia.gov.in/ • Directorate Of Advertising and Visual Publicity - www.davp.nic.in • Press Information Bureau - www.pib.nic.in
	Medicine
	• Ministry of Health & Welfare - www.mohwf.nic.in • Department of Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homoeopathy (AYUSH) -    www.indianmedicine.nic.in • National Aids Control Organisation - www.nacoonline.org • Armed Forces Medical College - www.armedforces.nic.in
	Railways
	• Indian Railways - www.indianrail.gov.in • Indian Railways - www.indianrailways.gov.in • Ministry of Railways - www.railnet.gov.in • IRCON - www.ircon.org • Indian Railway Catering and Tourism Corporation Ltd. - www.irctc.co.in
	Retail
	• Indian Institute of Social Welfare and Business Management, Kolkata - www.iiswbm.edu • CII Institute of Logistics, Chennai - www.ciilogistics.com • Gobind Ballabh Pant University - www.gbpuat.ac.in • Annamalai University - www.annauniv.edu • Indian Institute of Foreign Trade, - www.iift.edu
	Science
	• Jawaharlal Nehru Technological University - www.jntu.ac.in • IIT Bombay - www.iitb.ac.in • Mumbai University - www.mu.ac.in • Indian School of Mines, Dhanbad - www.ismdhanbad.ac.in • CSIR-UGC (NET) - www.csirhrdg.res.in • Indian Council of Medical Research, - www.icmr.nic.in • Birla Institute of Technology, Ranchi - www.bitmesra.ac.in • Madurai Kamaraj University, Madurai - www.mkudde.org • Indian Institute of Technology, Kharagpur - www.iitkgp.ernet.in • Central Institute of Fisheries Nautical and Engineering Training - www.cifnet.nic.in • Bioinformatics Institute of India - www.bioinformaticscentre.org
	Science-IPR/PATENTS
	• Patent Office, Govt of India - www.ipindia.nic.in • Institute of Intellectual Property Studies, Mumbai - www.iips.ac.in • National Law School of India University, Nagarbhavi - www.nls.ac.in • Indian Institute of Information Technology, Allahabad (Deemed University) - www.iiita.ac.in
	Self Entrepreneurship
	• Central Marine Fisheries Research Institute, Kochi - www.cmfri.com • Tata Institute of Social Sciences, Mumbai - www.tiss.edu • Ministry of Labour & Employment (Directorate General of Employment & Training) ADVANCED TRAINING INSTITUTE - http://dget.nic.in/atikanpur
	Pharmacy
	• Academy for Clinical Excellence (ACE) - www.aceindia.org • Institute of Clinical Research (ICRI) - www.icriindia.com  • Bombay College of Pharmacy - www.bcpindia.org • Jamia Hamdarad Islamia - www.jmi.ac.in • National Institute of Pharmaceutical Education & Research (NIPER). S.A.S. Nagar, Punjab - www.niper.nic.in • Guru Jambeshwar University, Hisar - www.gju.ernet.in