How to reply to WhatsApp message without appearing online?

Do you aware of how to reply to WhatsApp message without appearing online? WhatsApp has an amazing trick where you can reply to messages without going online and changing your last seen time mark. 

By using this method you will be marked online and last seen time mark will be changed/updated. However, you can still use this method to reply to a message quickly without opening WhatsApp means without appearing online.

Many times its happened with us that we get engaged with so many things that we deliberately skip WhatsApp messages, in order to avoid the possibility of someone noticing our online presence and trying to hit a chat with us.

And exactly on that busy moment, someone’s important message is waiting for our reply, in that situation their need of help push us to reply them.

 So now you will be glad to know that you can easily reply that particular person but without showing your online presence to others in the WhatsApp contact list. Its a big relief for you especially when your contacts may track your whereabouts via WhatsApp.

Reply WhatsApp messages from your smartwatch

If you have an Android Wear smartwatch, you can respond to WhatsApp messages directly from the watch and be safe from appearing online. This is even the case if you reply to the message without clicking on Reply by just looking at the whole conversation.

reply to WhatsApp message without appearing online

Two main ways to hide your visibility but still stay active on WhatsApp.

1) Reply to WhatsApp message without appearing online

Switching Off WiFi or Mobile Data connection

#Disable your Wi-Fi, mobile network, or any other internet connection on your smartphone. You can also do it by turning Airplane Mode on.

#Open the WhatsApp and reply that particular person whom you want to reply and Send.

#You will notice that the message will not send. Means it will not show the grey tick mark symbol, instead there will be a clock symbol next to the message. This means that there is no internet connection and thus, the message hasn’t been sent.

#Close WhatsApp completely.

#Now turn on your Internet connectivity or WiFi or by turning airplane mode off in case you have activated it.The text will now send, and the grey tick mark will show up which signifies that the message has been sent. This message will send, without showing that you were online at the time.

Thus, WhatsApp will automatically send your replies without indicating that you were online. This way, it will retain your previous ‘last seen’ status rather than the current one.

2) Reply to WhatsApp message without appearing online from Notifications

Reply from notification feature allows you to send/reply to messages without going online in WhatsApp. Hence replying from notification will not even change your Last Seen time mark.

Reply from ‘Notifications for WhatsApp’

In case anyhow you miss the notification which comes on top of the screen. You can swipe down and go to Notifications Tab. Under the notifications tab swipe left on the message and select Reply.

#Swipe down your mobile.

#Go to the Notifications tab.

#Under the notifications tab swipe left on the message.

#Click on the “Reply” button. 

#Reply to the message. Don’t click on the notification. Instead, input your reply, and then click on “Send”.

Your message is now sent. It won’t state that you are online, but if you click “View” instead, you’ll be taken to the app, and it will show your online status.

Reply to WhatsApp messages on Lock Screen mode

If you get a WhatsApp message notification on the Lock screen when iPhone/iPad is locked then you can simply swipe towards the left of the screen on the notification and Tap Reply.

# If you get a WhatsApp message notification on the Lock screen when iPhone/iPad is locked or lock your screen whenever you want to reply to the particular recipient.

#Simply swipe towards left of the screen on the notification and

# Tap the Reply button to type your message.

#Click the Send button finally.

Your message is now sent without changing your last seen status.


WhatsApp is the most reliable chatting app for our daily usages. Its amazing features and tricks help us to connect with the world in a better and secured way. Hope you will utilize those handy tricks only during your urgency and not in the intent of harassing others.

How to check Aadhaar card usage history of last 6 months?

Now you can cross check Aadhaar card usage history while sitting at home or from anywhere by your one click. It means you can verify where all your Aadhaar has been used in the last six months.

check Aadhaar card usage history

Aadhaar is now one of the significant identity for all of us. As per news report, several cases of Aadhaar data misuse have been found recently. Last month, a racket was busted where scammers were letting people access the Aadhaar database illegally for just Rs. 500.

Why to check Aadhaar card usage history and why it is so important?

 Now its really become vital that you take utmost care about how your card is being used and if at any point of time you get to know that someone is tried to hack your Aadhar authentication history or any instance of misuse, then immediately you can lodge a complaint against him without delay for a second.

As UIDAI says on its website, “This feature can be used to view Authentication details. Fetch your Aadhaar authentication history (Notifications) data.” Now there’s a way to do it while sitting at home. But to avail of this facility online you are required to have your registered mobile number handy.

What can you do with this UIDAI facility?

UIDAI offers you an option to check all the places your Aadhaar has been used in the last six months. If you find any instance of misuse, you can lodge a complaint. To use this facility, you must have access to your registered mobile number.

Step by step guide to check Aadhaar card usage history

  • Visit UIDAIs Aadhaar Authentication History page.
  • Enter your Aadhaar number and the security code appearing on the screen.
  • Now Click on the link ‘Generate OTP’. An OTP will be sent to the registered mobile number.
  • The page that will open will ask for the following information-Authentication Type; Select Date Range; Number of Records; and OTP.
    Now choose ‘All’ as an option in the drop-down menu of the page that opens.
  • The ‘Authentication Type’ is a drop-down that will have options including Demographic, Biometric, All, Demographic & Biometric, Demographic & OTP and Biometric & OTP.
  • Choose the option ‘All’ here.
  • In the ‘Select Date Range’, choose the option given on the page.
  • Click on ‘Submit’ after choosing the number of months, you can select maximum up to six months.
  •  Now fill in the ‘Number of Records’, you can request for maximum up to 50 records.
  • After this enter the OTP for authentication and click on submit.
  • Now you can view the history of wherever you used your Aadhaar card for the last 6 months. 


So now get ready to cross-check your Aadhar personal data misuse. In case you find any misuse of your Aadhaar information, you can complain about the same to UIDAI by calling on 1945.

Highest Tax Saving Bank FD Rates U/S Sec.80 C – February 2018

Which is the “Highest Tax Saving Bank FD Rates U/S Sec.80 C” for investment to save the tax? This is the common doubt under many. Hence, let us dig and find out the Highest Tax Saving Bank FD Rates U/S Sec.80 C.

Features of Tax Saving Bank FD Rates U/S Sec.80C

  • Individuals and HUF can invest in such Tax Saving Bank FDs.
  • Minimum amount to be invested varies from bank to bank.
  • Lock-in period of such FDs is minimum of 5 years. Premature withdrawals or loan against these FD’s are not allowed.
  • You can choose any Public Sector or Private Sector Banks to invest. However, you can’t invest in any Co-Operative or Rural Banks.
  • You can hold these FDs either in single or joint holding. However, the tax benefits is available only for the first holder and also the post-maturity taxation will be applicable to the first holder only.
  • Interest earned from such FDs will be taxable under the income head of “Income from Other Sources”.
  • There is no maximum limit to invest. However, the maximum benefit available under Sec.80C is up to Rs.1,50,000 for a FY.
  • Auto-renewal facility is not available for tax saving FDs.
  • You can avail the nomination facility for this FD.
  • You can avail month, quarterly or choose re-invest of interest option also.
  • TDS is applicable on such FDs.
  • If you are exempt from paying tax, you need to present Form 15G/H when you open a Fixed Deposit and subsequently at the beginning of the following financial year.
  • Usually, Banks offer a higher interest rate on such Tax Saving FDs. The reason is that 5-year lock-in.
  • Usually, Banks offer higher interest rate for senior citizens.
  • The deposit may be transferred from the issuing branch to another branch but not transferable from one bank to another bank.

Highest Tax Saving Bank FD Rates U/S Sec.80 C – February 2018

Now you fully understood the feature of Tax Saving Bank FDs. Let us move on and find out the Highest Tax Saving Bank FD Rates U/S Sec.80 C – February 2018.

Highest Tax Saving Bank FD Rates U/S Sec.80 C - February 2018

You noticed from above table that Citi Bank Offers the lowest Bank FD Rates. I tried to highlight in green for those banks who are offering more than 7% returns for both general public and senior citizens. Below are the findings to shortlist the Highest Tax Saving Bank FD Rates U/S Sec.80 C – February 2018.

  • For the general public, NSC offers the highest interest rate of 7.6%.
  • Then comes the IDFC Bank which offers 7.20% for the general public.
  • The highest interest rate for senior citizens will be available with IDFC Bank, which offers 7.7% returns. Next comes the NSC, which offers 7.6%.

Hope this information will make your life easy in shortlisting the Highest Tax Saving Bank FD Rates U/S Sec.80 C – February 2018. Do remember that we have visited the respective bank portal and based on the data we published this post. However, we caution to all readers to cross-check the available interest rate before taking the decision of investment.

If you are looking for Non-Tax Saving FDs, then refer our latest post “Highest Bank FD Interest Rates – February 2018 latest list“.

7th Pay Commission – What is good and bad for you?

Since last two years, millions of central government employees are eagerly waiting to get an increase in pay as per the recommendations under 7th Pay Commission

Central government employees may hope to get some good news at the beginning of the next financial year in April to expect a revision in salaries when the proposal is likely to be sent to the Cabinet for approval.

7th Pay Commission

The government may consider increasing the salary of lower-level officials, from matrix level 1 to 5, and go beyond the recommendations of the Seventh Pay Commission.

Government will not pay arrears on pay hike-bad news

As per news, under 7th Pay Commission, our government will not pay arrears on pay central government employees. Finance Minister Arun Jaitley will place it before the Cabinet in the beginning of April.

This could bring a bad news for around 50 lakh government employees who were expecting a good news from the Narendra Modi government. 

To recall, the resolution conveying the central government’s decision on recommendations of the 7th Central Pay Commission (CPC) on allowances published in Gazette of India on 6th July 2017.

In June last year, the Narendra Modi-led Cabinet approved the recommendations of the Seventh Pay Commission on House Rent Allowance (HRA) and other allowances for 48 lakh Central government employees.

Based on the report of Committee on Allowances (CoA) and the recommendation of E-CoS, the Cabinet had earlier approved the modifications in 34 allowances in its meeting held on 28th June 2017. All allowances are given the effect from 1st July 2017. It will benefit 34 lakh civilian employees and 14 lakh defense personnel.

Salary will hike under the 7th pay Commission-good news

Central government employees may hope to get some good news at the beginning of the next financial year in April. Salary is to be increased of the employees who are getting salaries from pay matrix level 1 to 5 and the proposal of pay hike will be sent to Cabinet at the beginning of April for approval.

As of now, Central government employees are drawing basic pay as per the fitment formula of 2.57 of the basic pay under the Sixth Pay Commission.

The 7th Pay Commission had earlier recommended Rs 18,000 as the basic salary but the employees, however, want the basic minimum pay to be hiked to Rs 26,000 per month, based on a fitment factor of 3.7.

 Following the implementation of the recommendations of the Seventh Pay Commission, the basic pay of Central government employees went up from Rs 7,000 to Rs 18,000 per month based on the fitment factor of 2.57, and effective from January 1, 2016.

The new scales of pay

The 7th Pay Commission new scales of pay provide for entry-level basic pay going up from Rs 7,000 per month to Rs 18,000, while at the highest level i.e. Secretary, it would go up from Rs 90,000 to Rs 2.5 lakh. For Class 1 officers, the starting salary will be Rs 56,100.

Earlier this week, Finance minister Arun Jaitley submitted the Union Budget-2018-19 in front of the Parliament ad from next month the Chief Justice of India will now get a monthly salary of Rs 2.80 lakh, up from the present Rs 1 lakh per month.

Similarly, judges of the Supreme Court and Chief Justices of High Courts will draw a monthly salary of Rs 2.50 lakh, up from the current Rs 90,000. The judges of high courts, who get Rs 80,000 per month, will now onwards get Rs 2.25 lakh per month as per the said report.

Budget 2018 – Good, Bad and Ugly Effects

Budget 2018 is now announced by Finance Minister Arun Jaitley for the financial year 2018-19, including the good, the bad and the ugly effects. Like every Budget, this one too has also its positives and negatives. So the below-mentioned points will highlight us about its good and bad effective features.

Budget 2018


The Good in Budget 2018

# For agriculture 

  • The minimum price offered to farmers for their crops where the minimum support price for Kharif crops hiked by 1.5 times means all Kharif crops will be paid a minimum support price (MSP) that is 50 percent more than the cost of production.
  • The budget provides for a 100 percent tax deduction for farm producer firms with Rs 100 crore turnover.
  •  There is a special impetus to promote “Operation Green”. In total, there has been a record allocation of Rs. 14.34 lakh crores for the agriculture sector.

# For healthcare

  • The Budget 2018 announces a ‘National Health Protection scheme’ to provide health cover of up to Rs 5 lakh to each of the 10 crore poor families per year.
  • Under the Aayushman Bharat programme, a total of 1.5 lakh centers will be set up to provide health facilities closer to the homes.
  • Tuberculosis patients will be provided with a grant at the rate Rs 500 per month during the course of their treatment.
  • The senior citizens of the nation like Incentives for Senior citizens like exemptions in income of Rs 10,000 from Banks FD and post offices and Rs 50,000 per annum exemption for medical insurance under Sec 80D means No TDS for senior citizens on FDs and post office deposits up to Rs 50,000. Also deduction for senior citizens increased to Rs 50,000 for medical insurance.
  • There are plans to set up 24 new medical colleges and hospitals by upgrading district level ones. The budget lists that the PM JivanBimaYojana has benefited 5.22 crore families with more in the pipeline.

# For Transport infrastructure

  • Infrastructure outlay increased from Rs 4.94 lakh crore to almost Rs 6 lakh crore.
  • National highways exceeding 9,000-km will be completed in 2018-19 and allocation of over Rs 1.48 lakh crore has been planned for railways.
  • Elimination of 4,267 unmanned rail crossings at broad gauge network. 
  • Regional air connectivity scheme shall connect 56 unserved airports and 31 unserved helipads for a better connected and closer India.
  • Expansion in airport capacity by five times to handle 1 billion passengers. 
  • Package worth Rs 7100 crore for the textile sector. 

# For the rural economy

  • Under the Prime Minister’s SaubhagyaYojana, it is estimated that 4 crore poor people will get power connection.
  • 8 crore poor women will get new LPG connections means free gas connection for 8 crore poor women under Ujwala scheme. 
  • Under the Swach Bharat Mission, the Government plans to construct 2 crore toilets in the next fiscal year.
  • The government has set an ambitious target to provide a house for all by 2022.
  • A total of 1 crore houses are to be built under Pradhan MantriAwasYojana in the rural areas.
  • The Government will expand the PM Jan DhanYojana. All 16 crore accounts will be included under micro insurance and pension schemes for better returns and social outreach.

# To formalize the economy

  • The Employees Provident Fund (EPF) Act will be amended to reduce the contribution of women to 8 percent from 12 percent for first three years, with no change in employer’s contribution.
  • The government will contribute 12 percent of wages of new employees in EPF for all sectors for the next 3 years.
  • The standard deduction of Rs 40000 for salaried people. 
  •  The target for loan disbursement under Mudra scheme has been set at Rs 3 lakh crore for next fiscal.
  • Rs 56,000 crore for SCs and Rs 39,000 crore for STs. 
  • Rise in customs duty on mobile phones from 15% to 20%. This will be a big relief for the domestic mobile manufacturers. 

The Bad in Budget 2018

  • No change in personal income taxes. The middle class had expected a change in tax slabs while others had expected to raise of exemption limit in Budget 2018. 
  • The government has extended Corporate Tax of 25% to companies with turnover up to Rs 250 cr in the financial year 2016-17.
  • The government has opted for the wider fiscal deficit at 3.5 percent of GDP for 2018-19 and projected 2018-19 deficit at 3.3 percent of GDP. Higher fiscal deficit not good for government credibility and FDI among other things. 
  • 100% tax deduction is allowed to co-operative societies, the majority of whom have cooked books and shady members.
  • No tax cut for big corporates which could have helped revive private investment as well as create more jobs. 
  • The Education cess increased to 4% from 3% to collect additional Rs 11,000 crore but in turn, has put an additional burden on the tax paying middle class.

The ugly in Budget 2018

# LTCG and DDT on Equity

Govt introduces LTCG tax of 10% on capital gains over Rs1 lakh means the long-term capital gains will now be taxed at a rate of 10% if exceeding Rs 1 lakh.  Also, earlier there is no dividend distribution tax for equity and equity mutual funds. Now it is levied at 10%. 

increase in customs duty on imported items

Urban consumers will have to pay more for almost everything they cover from cranberry juice and iPhones to sunglasses and lipsticks due to higher customs duty  (10% on basic customs duty). The import duty increase would make it a double whammy for consumer products companies that are already reeling under poor sales due to low consumer sentiment. 

  • Prices of imported iPhones and Google’s Pixel smartphones are set to go up by 3-4% due to increase in customs duty to 20% from 15%, though iPhone SE, which is locally manufactured, will escape the price hike. 
  • Import duty on a host of beauty and cosmetic products, watches, including make-up preparations, sunscreens, perfumes, hair colors, and manicure and pedicure products, is being doubled to 20%.
  •  The move will impact global players such as Sephora, South Korea-based Innisfree, Bobbi Brown, Estee Lauder, and Italy’s Kiko Milano which import majority of their products. 
  • Flat-panel television prices are expected to go up by 1.5-2%, escaping any major price increase despite the government doubling duty on LED panels to 15%, since most of the companies have started local assembly of panels by placing the glass top on the panel.
  • The price hike for televisions will be due to increase in duty on parts like the TV cabinet and printed circuit board where it has gone up to 15% from 10%. 
  • The price of toys, games, dolls, puzzles, watches & clocks to cost more. Outdoor sports equipment, footwear, fishing rods, cigarette lighters, silk fabric, sunglasses may also become costlier.

Live Budget 2018 Highlights and review

In this post, I will try to update the Live Budget 2018 Highlights as and when it will be declared by Finance Minister Shri. Arun Jaitley.

Live Budget 2018 Highlights and review

  • Achieved 7.5% average growth after 3 years of NDA Regime.
  • This year budget will concentrate on rural, improving education, rural health and agriculture sector-FM.
  • Exports to grow at 15% in FY 2018.
  • MSP for Kharif crops to be 1.5 *Cost of Procure.
  • Want farmers to earn 1.5 times of their cost of procuring cost.
  • 470 APMCs will be connected to eNAM for transparent price discovery.
  • eNAM will be free from APMC regulatory.
  • Allocation to food processing doubled from 715 Cr to 1400 cr.
  • Operation “Green” to be launched. Agri logistics, professional management, Rs. 500 cr. – make potatoes and onions everywhere.
  • Ujwala Yojana will now target 8 Cr poor families.
  • Rs.16000 Cr to Pradhan Mantri Soubhagya Yojana.
  • Plan to move from Blackboard to digital board education.
  • Ekalavya Schools on par with Navodaya schools will be launched.
  • Prime Minister Research Fellow scheme will be launched for BTech Students.
  • National Health Protection Scheme up to Rs.5 lakh coverage for each family per year covered under health care programme to 10 Cr poor families.
  • Rs.500 per month to TB patients.
  • Mudra loan targetted to Rs.3 lakh crore for next FY.
  • Women only have to contribute only 8% of their basic pay compared to 12% by the employer during first 3 years.
  • Govt will contribute 12% of the contribution to EPF for new employees.
  • SEBI will consider mandate getting 1/4th of financing from bond markets.
  • Rs 11,000 crore allocated for Mumbai suburban railways.
  • The government will not consider Crypto Currency as legal tender.
  • Tolls payment will be pay as you use format.
  • All four general insurance companies will be be merged and listed.
  • Gold Monetization Scheme will be revamped.
  • MPs salary linked to index.
  • No change in the individual personal tax bracket.
  • The standard deduction of Rs.40,000 for salaried and pensioners.
  • Senior Citizen Health Insurance deduction under Sec.80D raised to Rs.50,000.
  • No TDS for interest income for Senior Citizens.
  • Pradhan Mantri Vaya Vandana Yojana extended up to 2020.
  • LTCG tax on equity will be if the gain is more than Rs.1 lakh at 10% without indexation.
  • Health and Education cess increased to 4%.
  • Abolish education and higher education cess.
  • Customs duty on mobile phones increased from 15% to 20%.
  • Dividend Distribution tax on Equity Mutual Fund.