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It was only two years ago that 52-year-old Akhilesh Kumar, from East Champaran's Bhawanipur village, had built a single-story house with the money he had earned as a migrant laborer. Back then, he had no inkling of the tragedy that awaited the home that housed his family of seven. Then, on July 5, the flooding of the Sikrahna river engulfed several houses in the village. "It all happened so fast that we couldn't save anything, and our house collapsed like a pack of cards," narrated Kumar.
A tributary of the river Ganges, Sikrahna, also known as the Burhi Gandak river, turned turbulent owing to heavy rainfall in the Champaran region. This, coupled with the outflow of water from Valmiki Nagar barrage, has created havoc in several villages of the Sugauli block, about 25 km from district headquarters, Motihari.
With many houses, like Kumar's, engulfed by the river and razed to rubble, villagers from Bihar's Sugauli block in East Champaran district took to demolishing their own dwellings to save the bricks and other construction material from being carried away by the river. 101Reporters spoke to some of the villagers of Bhawanipur after videos emerged showing the villagers tearing down their own houses and stacking bricks, doors, doorposts, windows, corrugated iron sheets, hand pumps, etc. in tractors to be ferried to safety.
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Demolishing dwellings and dreams
"My house was built almost 15 years ago with hard-earned money. But half of it was demolished by the river, and we had to tear down the remaining to save whatever little construction material we could," said Sukhiya Devi, who had taken refuge in a plastic makeshift tent along with six family members.
Sant Lal Mahato, another villager, described the collapse of his house as an inescapable part of his destiny. "It would be hoping against hope if we do nothing and keep sitting with our fingers crossed. We may be able to build another house with these bricks if land and compensation are provided," said Mahato. Like Mahato, Suresh Prasad hopes for aid from the government. His sons have already removed the corrugated iron sheet roof along with the windows and doorposts of the house that he had constructed 12 years ago. "My dream has been shattered now. We will never be able to stand on our feet if the help from the government doesn't reach us," said Prasad with his eyes welling up.
Over the past month, almost 100 houses in the village have collapsed due to erosion caused by the Sikrahna river, according to Rajesh Yadav, a former sarpanch nominee. "With our village headman no longer alive, there's no one in power to look into the tragedy that pervades here," said Yadav, pointing to a 25-meter stretch of barren land that 'once bustled with people.
Rescue and rehabilitation underway
Amidst the disaster, the people are fighting for their right to live. "Day in and out, we are trying to save some bricks. The earlier, the better, or else, the river is going to spare nothing," said Shiv Sah. As of July 8, Sah is one of the 1.5 lakh people affected by the Sikrahna floods in the ten panchayats of Sugauli block. This was the official tally given by Anil Kumar, Additional District Magistrate, Disaster Management, East Champaran.
Authorities attribute the damages to the heavy current of water and the absence of an embankment. "It's not possible to launch the repair work immediately. However, we are doing everything to rush the relief materials to the affected people," said an official, refusing to be identified. Currently, villagers are either residing in makeshift tents or taking refuge in the government schools. For food, most of them are dependent on the eight community kitchens operating across the Sugauli block. "We are keeping a tab on the situation. More community kitchens would be run if required," said Circle officer, Dharmendra Kumar Gupta.
The district administration has pressed two NDRF teams along with two private boats and a drone into service. Officials claim that dry ration and about 3,500 plastic sheets have been distributed among affected people. Further, the district administration has also launched an assessment of the collapsed houses. "Compensation for houses would be given as per the laid down rules," said Shirshat Kapil Ashok, District Magistrate, East Champaran.
ALSO READ: Flood destroys houses in Iowa
A 'continued' displacement
Meanwhile, floods continue to rampage dwellings in the neighboring West Champaran as well. Almost 15 families from Biranchi 3 village in Damarapur panchayat in the district's Mainland block seem condemned to a life of destitution with their house being engulfed by the Maniyari river.
During the dead of the night on July 1, 55-year-old Vimal Mitra and his family members were jolted out of sleep when a part of their house collapsed. "It took no time for us to understand what had happened. We rushed out to a safer place with whatever household articles we could lay our hands-on," said Mitra, recalling the harrowing experience. The next day, at the break of dawn, Mitra and several other villagers returned to discover that their houses were nowhere to be found.
Village sarpanch Hari Das said the residents of Biranchi 3 have been facing the threat of displacement since 1998 because of regular flooding. "We are fighting for our right to live. Men in khaki and officials came, but nothing was done to save us," said Das, adding that 200 families have been displaced in the last two decades.
Circle Officer Kumar Rajiv Ranjan claimed that dry rations and other relief materials have been distributed. However, villagers feel that entitlement must be raised. "It's too meager to meet our needs," said Mitra, adding that its relief material received from private individuals like former BJP MLA from West Champaran's Sikta constituency Dilip Verma, which has kept their "heart and soul together". Verma provided a sum of Rs 50,000 through his close associate to be spent for victims who were rendered homeless, according to Das. (IANS/JC)
By- Blogger Indifi
EMI is known as equated monthly installments. It is a fixed payment made by the borrower each month to repay the loan amount. The EMI is divided into two loan components. One is the principal amount, and the second is the interest amount. Whether you are applying for a personal loan, business loan, home loan, car loan, or education loan, EMIs are easy to calculate using the EMI loan calculator.
Three parameters based on which EMI calculator works:
- Loan amount.
- Repayment tenure.
- Rate of interest (offered by the lender).
Factors that affect the Loan EMIs
Above, we have discussed the main parameters on which loan EMI is based. Here are the factors that affect the EMIs.
Changes in the loan interest rate: There are three loan interest rates -- fixed, floating, and hybrid.
When an interest rate offered on a loan is fixed, in that scenario, there are no changes in the EMIs.
A floating interest rate is linked to the marginal cost of the fund-based lending rate and can change the loan EMIs. As the rate is flexible, it keeps changing per the repo rate.
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If you have taken the loan on a hybrid interest rate, the interest rate is fixed only for a particular tenure. After that, it is on MCLR to decide the interest rate, and based on the determined interest rate, the EMI changes.
Tenure: When you opt for a loan transfer from one lender to another, there may be a possibility of change in the loan tenure. It will also bring changes in the EMI calculations. If the tenure increases, it will decrease the EMI. In case the tenure is reduced, EMI will increase.
Sample loan chart of a business company Image source: wikimedia commons
The loan amount of repayment is also a reason that affects a loan's EMI. If you make a loan prepayment, it reduces the outstanding principal amount, based on which the EMI amount or tenure is changed.
Benefits of using an online EMI calculator:
- Find out exact EMIs to be paid monthly for any loan.
- Saves time.
- Get a detailed overview of loans applied using the amortization schedule.
- Plan your monthly finances well in advance.
You can set multiple schedules and loan tenures. After a detailed schedule comparison, choose the one that suits well with your financial requirements.
Significance of loan amortization schedule in EMI calculator
A loan amortization schedule data shows the EMI break-ups. It shows how much EMI you need to pay for interest and what you will pay as the principal amount. It is one of the most significant advantages of using the EMI calculator. The EMIs that you pay as principal will keep reducing the loan's principal amount. It will also result in decreasing the interest amount. You will get to know all these things when you use the EMI loan calculator frequently. The amortization schedule is one of the essential features of an EMI loan calculator that helps design the proper prepayment schedule.
The different types of EMI calculators
Home loan EMI calculator
Home loans are one of the most popular and common loans applied for in India. It has a long tenure and a sizable principal amount. Whenever you apply for a home loan, it is essential to do all the EMI calculations in advance. There are various home loan EMI calculators available online with every home loan provider. All that is required to calculate the EMI is the loan amount, tenure, and interest rate. Using a home loan EMI calculator can help you easily plan your finances.
Business loan EMI calculator
Like home loans, business loans also come with a massive principal amount and longer tenures. So, using the business loan online EMI calculator is a smart way to calculate the business loan EMIs. Requirements are the essential loan details, such as repayment tenure, interest rate, and the loan amount. Online, equated monthly installment is automatically calculated at the lender's website.
Personal loan EMI Calculator
Personal loans are multipurpose. It is the reason they are considered as the most applied loan to meet immediate financial requirements. For choosing the right loan amount, you must use the personal loan EMI calculator. It will help you to choose the best interest rate loan offer and tenure. Try to go with the shorter term to pay less interest on the principal amount.
Sample of External Loan amounts Image source: wikimedia commons
Education loan EMI calculator
Education costs increase each year and can cause financial strains on a family. If you are planning to send your child overseas for higher education by applying for an education loan, at that time, the EMI calculator proves to be the best online financial tool. It will help you to decide the right EMI amount where your daily expenses remain unaffected.
Simple interest loan EMI calculator
An EMI calculator is used to calculate the simple interest applicable on the loan amount for a specified tenure. It is one of the most accessible financial tools. All that is required is tenure, a simple interest rate, and the borrowed amount. After that, click on 'calculate' to know the exact EMI to be paid.
Loan against property EMI calculator
If you have any residential or commercial property registered in your name, you can apply for a loan against the property. It is a kind of secured loan, where the property is kept as collateral. To understand how EMI works under this loan scheme, use the loan against the property EMI calculator.
Overall, EMI loan calculators are one of the best financial tools to compare varied loan offers. It provides a clear picture of the total cost of the loan and respective EMIs to be paid monthly. Online EMI calculators are available on every lender's website; whether you are applying for a business loan online, home loan, car loan, personal loan, or any other loan, using the online EMI calculator can help. Just with a click of a mouse, you can keep control of your financial life.
The online EMI loan calculator has been programmed with the formula based on the loan applied. There is no need to worry about the accuracy of the result. All that you are required to share for the calculator to do its job accurately is the right amount, tenure, and interest rate offered by the lender.
Disclaimer: (This article is sponsored and include some commercial links)
The symbol of Swastika is known to signify peace, prosperity, and good fortune in the religious cultures of Eurasia. In fact, this symbol is considered very significant in Hinduism, Buddhism, and Jainism. But, at the same time, it has become one of the most misunderstood religious symbols and has been globally banned in many countries.
The reason why the symbol of Swastika is banned in many countries is because of its association with Adolf Hitler's extreme political ideology, Nazism, as Swastika as its official symbol.
Austria, France, Latvia, Spain, Germany, and Russia are amongst the many countries that have banned the display and use of the Swastika.
Moreover, last week Victoria in Australia is preparing to become the first-ever state to ban the public display of the Swastika. This is a step towards an expansion of anti-vilification laws in the state.
Representation of the Swastika on the flag of Adolf Hitler's Nazi Movement.Photo by Flickr.
Now, we must know and understand what went wrong with this symbol, which is sacred and signifies all-good things.
For a very, very long time, in India, the Swastika is the first emblem that is worshipped or even drawn before any sacred and auspicious ceremonies as this symbol in Sanskrit represents 'well-being'. But, the Swastika lost all its credibility when it was wrongfully used by Adolf Hitler.
In fact, it is believed that if this symbol is worshipped properly, then it gives positive results. But if it is abused, then it gives negative results. So, when Adolf Hitler rotated the Swastika at 45 degrees, it slowly and steadily brought misery not only to Adolf Hitler and his theory of Nazism but also to all the people who were associated with him.
Therefore, in order to give the kind of respect and credibility which the Swastika deserves, World Interfaith Harmony Week which was held in New York in February this year, interfaith groups appealed to the United Nations to recognize and acknowledge the Swastika as an important and peaceful symbol. In fact, they also differentiated it from the Hakenkreuz or "Hooked Cross" of Adolf Hitler.
Keywords: Swastika, Symbol, Nazism, Hinduism, Adolf Hitler, United Nations, Buddhism, Jainism
India celebrated a historic day on August 7, as 23-year-old Neeraj Chopra became the first Indian to win an Olympic gold medal in athletics. In the men's javelin throw event, he achieved his greatest triumph, throwing the javelin 87.58 meters on his second try.
Neeraj Chopra was born on December 24, 1997, in Khandra village in Haryana's Panipat district. He grew up in a Haryanavi family of farmers. He is the brother of two sisters. He graduated from Dayanand Anglo-Vedic College in Chandigarh and is now enrolled in Lovely Professional University in Jalandhar, Punjab, pursuing a Bachelor of Arts degree. Chopra was bullied due to his obesity as a kid, which prompted his father to enroll him in a nearby gym. He then joined a gym in Panipat, where Jaiveer Choudhary, a javelin thrower, noticed his potential and coached him. When the 13-year-old Chopra finished training under Jaiveer for a year, he was enrolled at the Tau Devi Lal Sports Complex in Panchkula, where he began training under coach Naseem Ahmed.
In 2018, he broke the world record in the javelin throw and became India's first-ever gold medalist in the javelin throw. He is also a laureate of the Arjuna Award for 2018. | Wikimedia Commons
Chopra's first international medal came in 2014, as he took home a silver medal at the Youth Olympic Qualification Tournament in Bangkok. In 2015, he set a world record in the junior category of 81.04 meters in the 2015 All India Inter-University Athletics Meet.
Since emerging into the public eye with a historic gold medal at the junior world championships in 2016, he has maintained a high level of performance, setting an Under-20 world record of 86.48m, which still stands. Gold medals in both the 2018 Commonwealth Games and the 2018 Asian Games are among his other accomplishments, including a first-place in the 2017 Asian Championships. In 2018, he broke the world record in the javelin throw and became India's first-ever gold medalist in the javelin throw. He is also a laureate of the Arjuna Award for 2018.
Chopra has also had his share of bad events in life. In 2019, he underwent surgery on the elbow of his right throwing arm, which kept him out of the game for almost a year. However, he returned more robust than ever. In November 2019, he went to South Africa to train from Klaus Bartoneitz. He spent the following year in India training at the NIS Patiala because of the COVID-19 pandemic. He was allowed to go to France with his coach after weeks of trying to get a travel visa.
Neeraj Chopra made history in the 2020 Tokyo Olympics by becoming the first Indian to win a gold medal in athletics. Also, it is worth mentioning that after Abhinav Bindra, Chopra is only the second Indian to win an individual gold medal.
Keywords: Neeraj Chopra, Olympics, Tokyo2020, Gold medal, javelin, India, Haryana