Pasta

Ingredients:-

1. Sphegatti ( 1 pack )
2. Paneer ( 150 gms)
3. Capsicum
4. Onion
5. Chillies
6. Ginger-garlic paste ( Optional )
7. Soya Sauce
8. Salt to Taste

Preperation:-

1. Boil water till it starts bubbling. This is when you should add sphegatti to it. Add salt and few drops of oil to keep sphegatti from being sticky.

2. Drain the sphegatti with cold water.

3. Heat oil in a pan and add chillies, onions to it. Add ginger-garlic paste.

4. Add capsicum and paneer, and fry in sufficient oil till the paneer gets cooked.

5. Add soya sauce and sphegatti and cook for 5 mins till the sphegatti gets the flavors.

6. Serve hot with garlic bread. 

Chicken Fry

Ingredients:-

1. 750 or 1 kg Real Good Chicken
2. Chillies(4)
3. Chopped Onions(1)
4. Coriander
5. Pudina
6. Cashews
7. Garam Masala (1 tbsp)
8. Chillie Powder ( 2 tbsp)
9. Lemon Juice (2 tbsp)
10. Curds( optional)
11. Garlic-Ginger Paste (2 tbsp)
12. Turmeric Powder
13. Dhania Powder ( 1tbsp)
14. Salt to taste
15. Oil

Preperation :-

1. For marinating - Add  lemon juice,  ginger-garlic paste, chillie powder, dhania powder, garam masala to the chicken. Add chopped coriander and pudina leaves. Add turmeric and slit chillies into half and marinate all of these for 30-45 mins.
2. Heat oil in a pan. Fry cashews. Add onions and fry them too.
3. Add the marinated chicken to this and cook with a lid on till the chicken cooks.
4. If the chicken is taking too long to cook add 2-3 tbsps of curds to this. This will make chicken soft too.
5. Once the chicken is cooked fry them without the lid. Fry till chicken is roasted and turns dark brown.
6. Add coriander, pudina for garnishing at the end.

Stuffed Karela

Ingredients:-

1. Bitter Gourd  (6) - small sized
2. Chopped Onions
3. Chopped Tomatoes
4. Chopped Green Chillies( Optional )
5. Groundnuts
6. Urad Dal
7. Chana Dal
8. Tamarind
9. Jaggery or Sugar
10. Coriander Seeds or Coriander Powder

Preperation:-

1. For the stuffing - Fry groundnuts, urad dal, chana dal and coriander seeds. Grind them along with them onion, tamarind( that was soaked in water for 5-10 mins). This paste should be thick and dry as much as possible. 
2. Slit bitter gourds length wise and remove the insides. I like seeds inside and so I add them back to the fry later.  Boil these in water. Add turmeric, salt and curds. Curds takes away the bitterness. Be careful as to not boil these too much that the outer layer breaks off during stuffing.
3. In a pan heat oil. Add chopped green chillies and onions. Add Tomatoes to the same and fry them till tomatoes are completely mashed.
4. Stuff the gourds with the filling and add them to the pan. 
5. If the gourds are very bitter, add jaggery or sugar at the end( around a spoon) and fry them for 5 mins.

Home Loan - SBI Max Gain Product

Also posted on MouthShut.

I had a tough time understanding Home Loan to start with. All I knew was that a bank was ready to lend me money based on my income and it would take 10-20 years to clear the loan off and own a home on MY name. But the good news is, no you don’t have to wait so long. At least with SBI Max Gain Home Loan Product.

What is SBI Max Gain?

This a product by SBI Bank which lets providing home loan with these features:
1. Provides Home Loan as an OD account.
2. Reduce monthly interest out-go’s
3. Maximum liquidity of funds
4. Earn interest on surplus parked amount
5. Flexibility of operating Home Loan account as Savings/ Current account

How does this work?

SBI opens an OD for you where in the credit limit is same as the loan amount sanctioned. An OD account is similar to a savings account but based on security, like property, FD’s, Policies and such. Based on this assurance/ market value of these securities bank allots a credit limit to this account. And the amount can go from positive to zero to negative. When you withdraw money from this account it goes from zero to negative and when you pay vice-versa. So in case of home loan, the house you purchased is the security. And the loan amount is the credit limit.

In a savings account the interest is paid by bank to you for the amount you put in the account, in OD its the other way. You pay interest to the bank for the amount you withdraw.

With SBI Max Gain, if you park more money in this OD, the bank will pay you the interest for the additional money you parked apart from Monthly EMI.

So, your monthly interest comes down by the amount of interest bank owes you on the surplus funds parked.

Suppose you took a loan of 20 lakhs at an interest rate of 10% for 180 months. Your monthly EMI calculates to ~21500.

Total Loan Amount = 20,00,000
Tenure = 15 * 12 = 180 months
Interest Rate = 10%
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Monthly Interest =  (Total Loan Amount * Interest Rate ) / 12 =  ( 2000000 * 0.10 ) /12 = 16666.66

Monthly EMI =  21492 ( Calculated using Excel PMT function or use SBI EMI calculator)

Monthly credit to Prinicipal = Monthly EMI - Monthly Interest = 21492 - 16666.66 = 4825.33

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And say you parked 2 lakhs in the OD account. SBI Max Gain treats this amount as repayment of loan and so now the outstanding loan amount is treated as,

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Outstanding Amount = ( Total Loan Amount -  Parked Surplus Amount ) - ( Principal payed in the previous month) = 2000000 - 200000 - 4825.33 = 1795175

Interest for the current Month = ( Outstanding Amount *  Interest Rate ) / 12 = (1795175 * 0.10 ) /12 =  14959.79

Current Month credit to Principal = Monthly EMI - Current Month Interest = 21492 - 14959.79 = 6532.20
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If you see, credit towards principal for the current month is increased by 1706.87. This way you can clear off the loan faster.

Also, SBI calculates interest on a daily basis. The amount of interest the bank owes you on the surplus money parked is calculated daily and then summed up for a month. The same is deducted from the interest you owe to the bank on the total outstanding.

Andhra Recipe - Pala Puri (Milk Puri)

Ingredients:-

1. All purpose flour or wheat flour
2. Almonds (5)
3. Cashew  (10)
4. Poppy Seeds
5. Grated coconut ( fresh )
6. Sugar
7. Milk
8. Salt to Taste
9. Oil

Preperation Time - 40 mins

Preperation:-

1. Fry poppy seeds on low flame for few mins.
2. Soak cashews, almonds, poppy seeds and coconut in milk for half an hour
3. Peel off almonds skin and grind all of these to make a paste
4. Heat milk and add sugar and above mix
5. Cook for 15 mins
6. For puris, mix flour with sufficient water and salt. Make marble sized balls and knead them into puris. Fry them in oil
7. Dip or soal these puris in the boiled milk and refrigerate them
8. Best served when cool

Pala Puri