Aug 25, 2016

Prisma is now Offline!

Prisma is now Offline! You can use Prisma without internet connection. Update Prisma today to enjoy this. Now 16 filters are on device

Prisma transforms your photos into works of art using the styles of famous artists: Van Gogh, Picasso, Levitan, as well as world famous ornaments and patterns.

Prisma is the App of the year.!!!

Update : Prisma passes 50 million downloads on the Play Store

Aug 22, 2016

Reliance Jio Trivandrum in Kerala August 2016.

Update Jan 2, 2018 :JioFi M2S 150Mbps Wireless 4G Portable Data and Voice Device is available only for Rs.899 from Amazon.in

Update: Reliance Jio extends free calls and limited high speed download to March 31 2017

Visited Reliance Digital shop, gave copy of passport and a passport size photo.
Purchased Jio WiFi Device.
Reliance Jio Speed Test inside home in Trivandrum,Kerala,India

The sim got activated in 3 days. I got two SMS. The first SMS to announce the application. The second SMS is to initiate the call to tele verify. The verification system is quite impressive.

There are three options right now.
1. Purchase a LYF or Samsung A series mobile, use the SIM in that.
2. Purchase a Jio Wifi Device , use SIM in that .
3. Purchase a post paid connection via agents. These post paid connections will work in all phones. I am yet to test this. 

The option #1 is not so good as the LYF phones are just average phones. There are heating , battery , internet sharing issues. Moreover the LYG mobile sets are starting at 5000Rs. now

Go for option#2 , buy the device. Put the SIM, activate and use the internet.

You could download the apps in your alternate mobile and enjoy the Jio Apps.

See the messages I got.

Dear Customer, 
Thank you for choosing Jio. We have received your application for new connection. Your order number is NO000003XXXX.
Thank you, 

Team Jio
Dear Customer, 
Your Jio Number 701XXXXXX is now ready for tele-verification. To activate both voice & data services, dial 1977 from your Jio Number. To activate only data services, dial 1800-890-1977 from any number. 
Thank you,
Team Jio

Dear Customer, 
Your Jio Number 701XXXXXX has been successfully tele-verified. Now enjoy a host of entertainment apps - JioPlay, JioOnDemand, JioBeats, JioMags, JioNews and many more.
Here are 2 simple steps to enable your digital life with Jio:
Step 1: Create your Jio ID to sign into Jio apps
Step 2: Download all Jio apps and sign-in with your Jio ID
Click here to begin NOW 
In case of queries or assistance, please call us on 1800-88-99999 or write to us at care@Jio.com
Thank you,
Team Jio

Dear Customer, 
Your transaction id NO000003XO4L for Recharge for Rs. 0 is successful. 
Processing Fee: Rs. 0
Service Tax: Rs. 0
Validity: 20/11/2016
Entitlements: Unlimited Jio - MiFi Prepaid FRC(VVM, Data and Apps)
For further information, click http://www.jio.com/GetMyJio and download MyJio app. 
Thank you, 
Team Jio

Dear Customer, 
674391 is your one time password (OTP). Please enter the OTP to proceed.
Thank you,
Team Jio

Dear Customer, 
Your transaction ID BR000004D937 for Recharge is successful for Rs. 0. 
Processing Fee: Rs. 0
Service Tax: Rs. 0
Plan: Unlimited Jio - MiFi Prepaid Offer (VVM, Data and Apps)
To manage your account with MyJio app, click www.jio.com/GetMyJio.
Thank you, 
Team Jio

Dear Customer, 
Your plan Unlimited Jio - MiFi Prepaid Offer (VVM, Data & Apps) is now active on Jio Number 701XXXXXX.
To manage your account with MyJio app, click www.jio.com/GetMyJio.
Thank you,
Team Jio

Dear Customer, Jio Xpress News service has been activated. Validity: 90 days Charges: Rs. 0.0 Thank you, Team Jio

Dear Customer, Jio Beats service has been activated. Validity: 90 days Charges: Rs. 0.0 Thank you, Team Jio

Dear Customer, Jio News service has been activated. Validity: 90 days Charges: Rs. 0.0 Thank you, Team Jio

Dear Customer, Jio Security service has been activated. Validity: 90 days Charges: Rs. 0.0 Thank you, Team Jio

Dear Customer, Jio Mags service has been activated. Validity: 90 days Charges: Rs. 0.0 Thank you, Team Jio

Dear Customer, Jio Drive service has been activated. Validity: 7200 days Charges: Rs. 0.0 Thank you, Team Jio

Dear Customer, Jio Play service has been activated. Validity: 90 days Charges: Rs. 0.0 Thank you, Team Jio

Dear Customer, Jio On Demand service has been activated. Validity: 90 days Charges: Rs. 0.0 Thank you, Team Jio

Dear Customer,
You have used 1.04 GB of your 2 GB  from Mobile Data pack on your Jio Number 701XXXXXX as of 07:59 AM Aug 22, 2016. 
To manage your account with MyJio app, click www.jio.com/GetMyJio.
Thank you,
Team Jio

Dear Customer,
You have used 1.81 GB of your 2 GB  from Mobile Data pack on your Jio Number 701XXXXXX as of 08:30 AM Aug 22, 2016. 
To manage your account with MyJio app, click www.jio.com/GetMyJio.
Thank you,

Team Jio

Oct 3, 2015

Apple Music increase Malayalam Regional Content in India

I have been trying the Apple Music service for past three months. It is good if you have time to listen to songs and if you are lazy. The quality of songs are very good. The curated playlist based on mood,type of music are really good. Compared to gaana, the collection of songs are increasing very quickly as Apple acquires rights to Indian language content.

iTunes playing a Malayalam album in Apple Music

The Apple Music Service is charges Rs.120/month for an individual or Rs.190/month for a family.

Sep 9, 2014

One more thing - Apple iWatch starting from 22900 Rs.

These are the latest iWatch prices in India

Apple Watch Series 1 42mm Smart Watch (Space Gray Aluminum Case, Black Sport Band) Rs. 22900
Apple Watch Series 1 38mm Smart Watch (Space Gray Aluminum Case, Black Sport Band) Rs. 25000
Apple Watch Series 3 GPS 42mm Smart Watch (Space Grey Aluminum Case, Black Sport Band) Rs. 29787.00
Apple Watch Series 3 GPS 38mm Smart Watch (Space Grey Aluminum Case, Black Sport Band) Rs. 29900.99


Apple Watch Series 3 has got

  • Built-in GPS and GLONASS
  • Water resistant 50 meters
  • Ion-X glass
  • 2x brighter OLED Retina display with Force Touch (1000 nits)
  • Ceramic back
  • Digital crown
  • Heart rate sensor, accelerometer and gyroscope
  • Ambient light sensor
  • Direct fire speaker and microphone
  • Wi-Fi (802.11b/g/n 2.4GHz)


Buy this if you have an iPhone as Apple Watch won't sync with Android

Aug 30, 2014

Complain to RBI Ombudsman HDFC Bank's - Unethical Charges and Hidden Deductions

HDFC Bank's Statement of Charges is one of the most confusing in the world. It was crafted by highly paid professionals who research on weakness of human mind. This blog post will tell you how to avoid common pitfalls.

HDFC bank/card unlike other banks don't offer any Toll Free number to contact them! However in all their mails they mention about customer satisfaction.  Here are some of the techniques they employ. I recommend to buy shares of HDFC bank if you ever got tricked by them to compensate for your loss. The more money they extract the more will be their Quarterly profit numbers, the more will the stock price rise.

Delayed Deduction Tactics

HDFC bank build their customer base by roping in corporate/salary account holders. If you switch job and forget about your account and your Average Balance fall below Rs.10000,  HDFC will charge you every quarter without giving you any SMS/Email. The only clue you will get is a narration in your Bank statement which is not self explanatory. By the time you learn about this after calling customer care (not toll free!!!) you might have already entered the next quarter. Another interesting fact is this is a monthly charge but the sytem will deduct it only after a quarter is over. Hence instead of losing 250Rs+service tax you will lose 750+service tax. + more Rs.+tax
Solution: Close account or watch it with care. To get refund of Rs.750+tax,  file a complaint online to the bank via RBI ombudsman and HDFC might reverse it. Click here for that and select Option 2. State the reason that the charges were deducted without notifying properly and not in a transparent manner.


Free today ;  Paid service tomorrow.

HDFC bank/card initially give free services and then make them chargable. To enable a service like "Mobile alerts/InstaAlerts"  you just need to click your mouse but to cancel that you have to visit the branch during banking hours and give a written request!!! Don't think this is by chance it is by design.  They also offer free Demat account which will be chargable after one year. People tend to forget to cancel this before one year gets over, some never use it. Some agents mention that it is free for ever. Never fall for these traps. Rs.842.70 is usually deducted for this.
Solution : Don't take any free services. Read your account statements regulalry . To get refund file a complaint online to the bank via RBI ombudsman and HDFC will reverse it. Click here for that and select Option 2. State the reason that the new charge was not notified to you.


Secret Deduction Technique

The charges  will be deducted by the system only after a quarter is over most of the time even if the service charge is stated monthly. The narration won't be clear in your account statements. In order to understand the meaning you have to call a paid Customer Care with agents equally reluctant to file a complaint. Even for small offers they send email but for these they never alert us.
Solution:  To get refund file a complaint online to the bank via RBI ombudsman and HDFC will reverse it. Click here for that and select Option 2. State the reason that the new charge was not notified to you and that deduction happened in an opaque manner.


Allergy to Currency and Cheque

HDFC Bank has limits how many transaction your or third party could do at their branches. The policy of the bank is to keep the branches empty as much as possible, avoid touching currency and cheque leaves as much as possible. They hate humans and want everything to happen via electronic form.

eg. Third Party Cash Transaction Charges and Limits at branches are as follows:
For amount of up to Rs. 50,000 per transaction charge of Rs. 112 applies Amounts over Rs. 50,000 are not allowed. This means even if you are giving a bearer cheques of Rs.50000 for someone for their service, you will be charged Rs.112/-, according to HDFC it is a cash cheque and hence a cash transaction. This defeats the whole advantage of cheques compared to NEFT transaction.
If you put Rs.100 in an account of your friend at HDFC by visiting a branch, HDFC will charge Rs.112 from your friend. Sounds ridiclous? This is not by chance but by design. This could make his balance go down below the 10000 Rs. That in turn will incur quarterly charges of Rs.750 every quarter. :)

Another example is
Savings account users can only perform 5 transaction per month in a branch(including home branch) (including deposit and withdrawal), from 6th one you need to pay Rs.112/-. Will any human keep track of the count?

"Cash transactions (Cash deposits & withdrawals) by self at  Non­home branches" - Above Rs. 49,999/­  pay Rs 5 per 1,000­ on the full amount (plus taxes).
No wonder all the branches are empty most of the time.

Solution : If you were charged Rs.112/- complain to RBI ombudsman online and you will get the amount back. Click here for that and select Option 2.  Just mention that the Statement of Charges were not clear on this. From next time use some other bank which respect you.

HDFC Bank generates more profit with less sales


See salary of HDFC MD Aditya Puri. Why do you think he is paid this much? To employ people who could make tricky/confusing charges and rob in a computerized manner.