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Hon PMO, Finance Department Government of India and RBI Reserve Bank of India.
This is very Embarrassing In India where RBI Reserve Bank of India it seems given Free Hand to All
Indian Banks to collect any any sort of Charges under any sort of heads just to Loot Indian People.
That look likes bank behaving as they have All Rights if a Customer Open Account in Bank that means
Bank have all 1000% Rights given by RBI just to ensure Recover Charges like Extortions Money. More
specifically giving license just to make Encounters Openly all such English People dose in past before
Independence. All such practices happenings Across India due to RBI Reserve Bank of India just
because of reasons mention below
1) Bank Never Ever Display or Show the Hidden Charges, Why Bank didn’t display Rates/Charges
2) Indian Banks why do Back Stepping About Hidden Charges? Why Not Inform upfront
3) Do RBI given any instructions to Display All Bank Services Charges, Display Boards to make
Aware the Clients?? Would like to Know by RBI??? Reserve Bank Of India to Answer??
4) RBI or Finance Department never ever Looked at up Fixing up all Bank Services Charges. That
means Free Hand given to LOOT Indian People under the name head of BANK CHARGES??
5) That All sounds Indian Banking system Not At All have any Proper Structure, nor any DISPLAY
or any any awareness created by RBI or Indian Banks.
RBI Reserve Bank of India doesn’t have any control over Banking service Charges, WHY RBI Reserve
bank Of India didn’t Act till now, why they required Intimations from the common man of India, why
they themselves did not prepared ACT towards Fixations of Bank Charges and Services Offered Display
We would like to know, please share specific details, dose RBI given All Rights to Indian Banks,
Government Banks to act as 1000% authority to Recover any sort of Charges without any Knowledge
or Consent of Account Holder?? That’s seems like British Rule if is sounds True so!! Government
Authorities behave such as they have all Rights to Act Like Owner of Bank Accounts?
All These Suggestions and Feedback given to HON PMO and Finance Department and RBI Reserve
Bank Of India.
1) Fix Up all Bank Services Charges Across All India All Banks.
2) Display Charges and Make Consumers Aware of Charges of All Bank Services.
3) Specifically Banking Charges to be made Affordable to All Common Man of India.
NOTE – In Case In INDIA the Government Banks is Charging there Charges for Each and Every Services
they Offer, Every Service is Chargeable then – Why do we Required Government Banks??? What is
Difference between Government Banks and Private Banks?? Why Government of India is wasting
Common man’s Tax money in Government Banks? What is purpose of WASTES of TAX ?
Broadly the NPA, BAD Loans amount were gone to few people who left India and Enjoying them self
out of India and it seems due to some of Banking officials miss use of Authorities these bad NPA were
happened and Now Banks were given Free Hand by Central Government or RBI Reserve Bank of India
to LOOT EXTORTIONS of Common Man, Ordinary Account Holders under the name of Banking
Charges? WHY?
RBI Reserve Bank of India and Government of India is just making fun out of Common Man to ensure
Looting and Extortions for the sake of MONEY by these Charges? Urge you to TAKE Survey.
RBI Reserve Bank of India if Conduct Survey and take Public Opinion about The Banking Services
offered by Government Banks from Each and Every Account Holder, then only they will understand
the Quality of Poor Service given by Government Banks more over all these Poor worst Services are
Chargeable.
RBI Reserve bank of India and Central Government will be happy to Know about “GOVERNMENT
BANKS IN INDIA IS STILL IN MANUAL MODE AND DID NOT PROVIDE ANY KIND OF SERVICE
ACKNOWLEDGEMENTS AND CHARGES DETAILS?? Why, What is happenings??
Why We In India is in need of Indian Government Banks if in case The Each and Every Service is
Chargeable? Why we call them as Government Banks??? Who will check the Quality of Services??
Who will provide the Acknowledgements?? Who will Make Aware of Bank Service Charges????? To
Clients. It sounds RBI Reserve Bank is Unable to Control even the Government Banks???
In My View Suggestion is to make All Government Banks to PRIVATE. Make All Government Banks
PRIVATE Banks. Without Waste of Further any Common man TAX Money..
This is with Ref to Earlier Ticket Numbers.. 4319518986 and 4299351252 And 4316659795 of State
Bank Of India.
Embarrassing to Let the Central Government, PMO and Finance Department and RBI Reserve Bank of
India to let you know the Government Bank like State Bank of India is now behaving worst than even
uneducated MP/MLA, it will be better let the Government Open up for Loot, Extortions for just for the
sake for getting Money under any aunt-shunt charges. Very Embracing the institutions like
FAKE/BOGUS RBI is Inactive or unable to do anything even for the Government Banks. We feel
ashamed by RBI and government Bank like SBI.
In case being RBI, SBI State Bank of India even being Government Bank charging any unnecessary
unwanted excess charges or without putting up in to the knowledge of Clients getting charges debits
from the Clients accounts “under the name of Banking Norms or bank can take authorize for collecting
charges” it self means EXTORTIONS, this is very true and some of honest Farmers are doing hanging
up them self’s around such as Interest Business who didn’t belive in any humanity left in using or
misusing of Authorities being as an government Banks. We belive all of them RBI or SBI is some of
DUMBO institutions around the Peoples Tax Amounts for Loots. We are well aware of all Criminal
activities like even killings happened with the support direct/indirect supports of Governments.
My Question is Why SBI to take charges of Each and every services provided by them, why RBI
allowing such practices, if in case this question is of SBI independent between Client or Bank. Then in
that case why our Central Government, PMO, Finance Department is wasting WEST The TAX Amounts
by putting in Government Banks in India.
Where as in fact and Ground Reality these banks were getting their BAD LOANS Recovery by Looting
Common man and through that SBI or Even in case RBI Getting these BAD LOANS NPA Recovered from
Common Man. Besides the people who took Loans with the getting Banking officials settlements by
offering them Bribe or CASH or Money in GOLD or Jeweler just for the sake of Getting the Loans
Passed form all Government Banks.
In Our View SBI or RBI can come and check the Feedback of SBI or Other Government Banks ONLINE
by sorting each and every PAN and Account Numbers and verify the ground reality of Government
Banks Services.
Do SBI has that much courage to conducts Fair Survey, if in case of that comes in favors of SBI, Will SBI
address the People who voted against SBI???
Kindly Change the State Bank of India Status as Private Banks. As BAD NPA Loans or in case of Every
Services of SBI is Chargeable, then we don’t required SBI as Government Banks. We don’t want our
single Rupee to west on SBI, further pathetic poor services offered under the name and fame of
government is more Embarrassing and shameful for All PMO, Finance Department and RBI…
Without Knowing Ground Reality??Unwanted, WRONG Charges by SBI on Dated..04/05/18. Rs.236/-
pl Credit said amount Reversal Charges ASAP
Besides the Letter to SBI or knowing the ground reality why SBI is LOOTING charges like CRIMINALS
extortion MONEY. WHY its happening in GOVT Banks, Why don't SBI withdraw them-self from PUBLIC
SECTOR Services BANKS WHY SBI is using TAX Money of GOVT Sectors?? Being government Bank if in
case every Service is Chargeable then its better CONVERT SBI in PRIVATE
With Ref Ticket No..4299351252. pl Address exact Query. 1) have you Pre Intimated About Charges
and 2) Where is the DISPLAY of SBI Charges showing details Display to understand Clients about
Charges. hence it sounds LOOTING charges like CRIMINALS extortion MONEY. WITHDRAW YOURSELF
SBI AS GOVERNMENT BANK AND BECOME PRIVATE BANK MOST URGENTLY..Being government Bank if
in case every Service is Chargeable then its better CONVERT SBI in PRIVATE. THIS QUERY IS TO
MUMBAI CORPORATE OFFICE
With Ref to Ticket No..4299351252 & 4316659796...Why Bank is assuming clients to visit SBI WEB SIte
to check charges, WHY the same has not available in DISPLAY in Branches.WITHDRAW YOURSELF SBI
AS GOVERNMENT BANK AND BECOME PRIVATE BANK MOST URGENTLY..Being government Bank if in
case every Service is Chargeable then its better CONVERT SBI in PRIVATE. THIS QUERY IS TO MUMBAI
CORPORATE OFFICE, WHY SBI is using TAX Money of GOVT Sectors?? Being government Bank ? Why
Info not given at Branch?
Doesn’t make any satisfactory nor any resolutions. Being these charges sound complex
hypothetical ground reality shown in your reply.
Since all such concerns were raised to the Secretary at Government of India & SBI
Corporate Mumbai Office to address properly, moreover it should not like charges as per
decisions of Bank Meetings(like TOM/DIK/Harry), being Nationalized Bank, Government
of India should answer of such illegitimate charges being charged without any prier
intimation on the Service Desk or in front of the Branch Managers.
Being a esteemed Bank, Authority matters, mostly being aware of ground reality,
deliberate ignorance or attempt to not address clients, moreover asking clients to furnish
details which is already with Bank or Government, all such activities dose sounds
proving authority of the Bank to Clients or central team Head office didn’t produce any
results were not a single proper reply ever given by any one. Bank doesn’t produce any
type of Acknowledgement/Service TAT, Specifically Head Office as well.
All these communications could be avoided at the Branch – if any System Generated
Acknowledgement of such charges, Bank didn’t have any such kind of services where
Acknowledgement produced? Nor Head office of Bank is aware of such things??
Sometimes Illiterate MP/MLA are better who could at least talk to resolve such issues
(except doing unethical corruptions).
We were wrong assuming welfare of People of India intact, however proving the
Authorities is more important than the client’s Interest. Days passed, authorities change,
atmosphere changed or entire pattern of working agenda behind making Nationalized is
also washed all the way. However No One bothers such activities nor fruitful. India is in
developing country since last 7000 years, that’s sufficient to answer unemployment/Non
Development status symbol of India
This is very embarrassing to be Reserve Bank of INDIA RBI to work half heartily just like an ordinary
printing press workers and unable to read or write like uneducated person in India. We must ask to
government All State, Central, Finance Department either Close Reserve Bank Of India functions or
declare the Banks, Financial Institutions or Credit Societies or all Bankers who doesn’t controlled by
RBI Reserve bank Of India. Just because of Black Money Activities hampering Developments
We hereby asking to declare RBI Reserve Bank of India or All Governments to publish the list of Banks,
All Financial Institutions who does not belongs or comes under 100% control by RBI Reserve Bank of
India. This it seems to one of the Biggest Frauds done by Reserve Bank of India RBI or All Previous
governments who recognized Reserve Bank of India RBI as a Central Controlling Organizations.
We required defined clear list of All Banks across India which is controlled by RBI Reserve Bank of
India and the list of Banks which do not come under any sort of controls by Reserve Bank of India.
People of India must be aware of Bogus Fraud Banks institutions who dose the Terrorists activities,
frauds and bogus Banks, if in such cases Reserve Bank of India/Central Government/State
Government must realizes all district level Bank Frauds and scams were done by all previous Central
governments and Reserve Bank of India by playing CASH for doing all Raids, Unaccountability,
unnecessary all unwanted incidents along with Threatening people by Government officials. Reserve
Bank of India is 1000% Responsible. In India Common people were highly Uneducated, Highest
inflection, Uncertainty and people were dyeing due to Hunger/Food and All these were happening
due to Reserve Bank of India RBI/ NABARD like forge Institutions who worked like only printing press
Rubber Stamps!!
We are ashamed by even after 1947 Independence to till date in 2018, Reserve Bank of India
RBI/NABARD like institutions were Unable to Get DIGITAL BANKING SYSTEM in INDIA. This is Biggest
Failure of these Fake Bogus Rubber Stamp Printing Press Institutions. Why We common man is
suffering for all such 1000% unaccountable Institutions ??
Even since last 70 years the institutions like RBI is unable to introspect even after taking benefits of
Taxes paid by common Man, now what all are they RBI is interested in??? just being Rubber Stamps??
That all bluff by Reserve Bank of India at the movement they were not reducing Rate of Interests,
entire system if Bluff/Fake/Bogus and Remember due to RBI unusual Loan System/Inflations
restricting India Growth. All Government Departments/RBI has to start Reducing Minimum Rate of
Interests of All Crop Loans, Business Loans, Property Home Loans etc. that is within Time Line Process
& without human interventions delay deliberate misuse of Authorities by Banking Authorities mostly
Even after intimating to RBI -PMOPG/E/2017/0135709, still inactive from last 1 year moreover it
seems 1000% deliberate ignorance/overlooked, by RBI. If in case of not understanding our concerns
and moreover after intimations (then we must say are common man like us wasting money by Paying
Taxes) in case RBI is not working properly towards Black Money. Manual Bogus Government Billing
As Common Man don’t have any Choice given by government to pay or not to pay Taxes. Moreover all
State Government /Central Government must show clear expenditure details of Development.
We express our Queries in below
1) Why in Past 70 Years Reserve Bank of India is unable control CASH Unaccountability
2) Why Digitalization of All Government Banks is pending since past 70 years
3) Reserve Bank of India has to take 1000% Responsibility of All Undevelopment,
Uneducated/fake system and people were died due to Food/Unemployments etc. Specifically
All Government Billing were happened from such Bogus Forge Fake banks which doesn’t not
come under RBI Controlled and Development were not taken place due to misuse of all Taxes
Government funds were distributed among that Fake Institutions/Banks/ individuals benefits.
4) As it seems Government Departments/Trusts/NGO mostly Local Government Bodies might be
not aware of such Bogus Banks/Institutions/manual cooperative Banks where the Tax Amount
which is sent for development were getting 1000% wastages due to unawareness of Banks
which doesn’t come under control under RBI.
5) Why GST is not compulsory for All NGO/TRUST/Social Welfare Societies/TOLL/PARKING and
Why all of them working in CASH BLACK MONEY UNACCOUNTABILITY & How RBI is allowing??
6) Do Reserve Bank of India has 1 system in Place where RBI, Income Tax Department or any
other government institutions is able to Find “How many Accounts are Opened under One
PAN or TAN or Government Bank Accounts”, hence Incometax Department to investigate all
Manual Credit Societies/Bogus Banks/District Banks/Cooperative Banks for Black Money!
7) Now Reserve Bank of India RBI has to declare Two Lists of Banks, which declare list of Banks
Controlled by RBI 100% and List of Banks in India which does not comes control under
RBI/Government
8) We feel All Investigating Indian Agencies don’t required we common man to intimate them as
most of Black Money Cash Transactions (hiring CASH Workers/Terrorists) Unaccountability
were done by most of Manual Banks which doesn’t controlled by RBI like Manual Government
Banks, Patsanstha, District Cooperative Banks, Sahakari Bank, NGO, Welfare Societies, All
Private or Government TRUSTS who dose all these Black Cash Practices and Reserve Bank is
Responsible for all Printing and Wasting Government TAX Amounts in Printing Notes of
500/1000/2000 adding value to Black Money, still few of times duplicate Notes done additions
9) We don’t think institutions like RBI/NABARD/Finance Department is Not Aware of as COLOR
Duplicate ID cards like PAN/AADHAR/VOT ID/DRIVING LICENSES/PASSPORT Etc are very easily
available in Indian Market where as such Bogus FORGE Bank Accounts were easily Opened
without intimation to Government/RBI, moreover mostly even now the Bank Accounts were
easily Opened without any KYC in such Banks as we believe which is not controlled by
Government of INDIA/RBI/NABARD
10) If in case Online Verification of ID Cards like PAN/PASSPORT/AADHAR is not checked during
Bank Account Opening, then very easily such bogus Banks may open Bank Accounts in India in
such names persons who actually doesn’t available or not belongs to INDIA? Then RBI or
Central Government or state Government has to take 1000% assurance of All Hum Life from
Terror Activities.
11) RBI doesn’t have any platform for Government Banks as any sort of Process, TAT,
Acknowledgement system. Biggest Fraud done by RBI till date from Independence
12) Why even Government Banks doesn’t Report Each and every PAN Holding Bank
Accounts/Loan Account details to RBI?? Why?? Or We insist to Display Boards under Bank
Names as Controlled By Reserve Bank of India or Not Controlled by RBI/Independent Bank.
This is very unfair the Strictly collected/Paid Taxes were misused due to such Bogus Forge Fake Banks
who actually don’t required for Follow Reserve Bank Of India Guidelines or don’t come under control
of Reserve Bank of India (in future it may possible these Banks who didn’t come under RBI Control can
print and Issue their own Currency Notes without any permissions or without any Governance) with
adding their percentage say 10% for getting CASH Withdrawals of Government Taxes Funds.
We suggest Below few Quick Points
1) Firstly Restrict to Open Bank Account for any Individual or Trust/Company i.e. Each
PAN/AADHAR has to Restrict to maximum 5 Bank Accounts. Allow Porting of Bank Account
2) An Centralized system to be Controlled by Reserve Bank of India Tracking Each and Every
single Individual Bank Account Intimating to RBI, this has to make Mandatory to Intimate each
and every small Bank Account has to Report each and every single Bank account details to RBI
3) Other Than Individual, STOP All Cash Practices for All Company, Firm, TRUST, NGO, Social
Welfare Societies Etc (or RBI has to take 1000% assurance of Terrorist Activities)
4) All Property Loans as per Maximum Retail Prices or Standard Rates system to Stop all
Unaccountability or RBI has to pay from their own pocket for All NPA/unpaid loans
5) STOP BOGUS FRAUD AUDITING SYSTEM, AUDITING MUST BE AUDITING or CLOSE ALL FRAUD
AUDITING SYSTEM
6) Either Provide List of Banks which does not come under Control of RBI or Bring All Banks
under RBI Controlling, MERGER of All Government Bank in 1 Single Bank is Required Now.
7) All Government Banks must come at 1 place and under 1 Roof, All Bank has to Merger in 1
Government Bank and i.e. in CORE BANKING DIGITAL BANK SYSTEM only
8) All Income Tax Department must Allowed to Show the number of Bank Account details
Opened under particular PAN (in any any bank)
9) All Transactions over and above 1000/- Rs must be in DIGITAL Mode. Moreover Agriculture,
Sugar Mills, Milk Companies etc Insurance against Loans must Compulsory anyway & All
Sales/Purchase of Agriculture Crop in DIGITAL MODE ONLY. Precisely All Transactions
Give/Take/Sales/purchase in Digital Mode.
10) Fast and Easy Loans within 7 days or specific Acknowledgement or process outline Activities
and that is very Min Min Rate of Interests
11) We don’t required Rs. 500/2000 Notes moreover most of Notes are getting duplicate available
in market, during Transact that is very tuff to identify Original 500/2000 Rs Note. As Cash
Transactions dose not attract any TDS or GST or any other TAXES. Ultimately only RISK.
We were wrong assuming All Private or Government Banks were comes under control of
Reserve Bank of India RBI. However We Now Required List of Banks which is Endorsed by RBI.
Or RBI must Stop all transactions between those Banks who doesn’t come under RBI
Controlled or RBI has to take 1000% Responsibility of All Undevelopment, Black Money,
Farmers unwanted Incidents etc
For us as a common man it is day to day count of today’s earnings, these attract Taxes and eventually
paid in the growth of India. Many times very easy for salaried /government employees even they
won’t work, they will be getting paid moreover because of Unaccounted activities the ultimate Aim of
getting the Taxes paid i.e. for development is not possible, hopefully such people with experience
highly qualified may understand concerns and will work accourdingly to stop unaccountability of
CASH Practicies
Sir We Would Like to see the Government step forward out of All old traditional procedures and come up with some Sound DITIGAL Way of Government working for Common Man with specific Target
Oriented Development Programmers’. Promote MAKE IN INDIA and MADE IN
INDIA GREEN INDIA DIGITAL INDIA DIGITAL BANKING,
GOVERNMENT DIGITAL BANKING SYSTEM Combating Corruption, Battling Black Money
Sir
We hope and expected form the Central Government, RBI, NABARD, Finance
Department and State Government must be part of All Digital Form, specifically
not to avoid and be fast Quick to get enrolled for DIGITAL Governance. Many
states its seems deliberately delaying and not taking Digital programmer,
however without any intimations from as a common man, Government must
Identify and start Digital Platform for All Stages at Governance. Just to highlight
India is in the list of Developing Countries from last 70 years. This shows all
manual processes dose waste working hours of Common Man working hours and
Tax amount waste. More over we have many more Forge Bogus Tendering
manually in Addition. Without any further intimations form us, Government or
Governance must Act on their own must act independently and Start doing Real
Development Process at the earliest Possible.
Digital Economy is in need of below Few Quick Points. The Feedback
No..PMOPG/E/2017/0521837. (details attached) PMOPG/E/2017/0491049,
PMOPG/E/2017/0491968, PMOPG/E/2017/0515756, PMOPG/E/2017/0518747,
PMOPG/E/2017/0520389 Details of PDF is already attached.
1)Government to Bring Real Estate RERA, All Petroleum Products Gas,
Electricity Boards, RTO (regional Transport Offices), State Taxes, PARKING
TOLL in GST, Bring All in GST
2) Need Proper Control over Companies MRP –Max Retail Prices (reason
Excess MRP on Products by Companies or mal practices)
3) STOP CASH Practices and All Unaccountability in RTO TOLL BOGUS
FORGE PARKING’S (or the Terrorists are better than these TOLL or PARKING
WORKERS?????
4) Urge you to STOP CASH PRACTICES or Expenses in All TRUSTS, NGO,
Social Societies, Missions, Welfare Societies in social sector, All
Unaccountability Black Money activities many of them
5) Do the Government Believe in any Timeline Process in Government
Banks??? Due to all manual system Government Banks itself doing all
BLACK Money Transactions, moreover All Loans Processing takes 3 to 9
months period, 1000% wastage of manual working hours of Clients, even in
2020 there is no such systems of any Acknowledgement or TAT in Govt
Banks?
6) Dose the Government Banks feels they are distributing loans amongst
Beggars????? Now all of them works like that, Clients are visiting Banks for 3
months, 6 Months, 9 months for their Loans????????????????? DO YOU
HAVE ANY TAT???????????? PROCESS??
7) Do Government Believe to Reduce Indian Production Cost of Indian
Products, High Inflections due to RBI or High Rate of Interests affecting the
High Value Productions in Indian markets and that is because of RBI High
Rate of Interests, entire Indian Production Affecting????
8) Indian Development is not possible without Reducing Banks Rate of
Interests of LOANS??
9) Development and Indian GDP is in need of FAST and EASY PROCESSING
OF ALL LOANS
10) Does the government believe in AUDITS or proper control of Excess
Tendering Costs or BOGUS FORGE TENDERS in GOVERNMENT Bills
moreover that is without any Guarantees or Warrantee????? In fact Terrorists
are better than the bogus forge Road developers?
11) It is better to CLOSE All Fake AUDITING of Government Billings, any
movement come and see the ground reality of Indian Roads Inter City
Connectivity????
12) Government to fix up the Medical Education and Medical Examinations
Cost, Medical Expenses Costs, Medicine Costs. At Present Excess
Charges has been charge and All State /Central Government is also doing
Billing to such unaccounted amount and Wasting TAX Amount of Indian
Common Man. It is better to Fix the Rates of Medical Treatments in India to
save Tax Money and FORGE /Bogus Billings done to Medical Expenses.
Government to FIX Chart of Medical Charges and Billing According (at
Present Fake/excess Loot of Medical Charges unaffordable by Common
Man)
13) Make Agriculture Insurance Compulsory and Independent system without
any Government interference and All Digital Transactions of Agriculture.
As you required all Point wise details.
1) The English people who ruled us in India 150 yrs approx, in 1947 their (English People)
intention was to keep India occupied by some of issues, purpose to keep India UNDEVELOPED &
UNEDUCATED. Hereby just raising the point regarding the Banking Finance & high rate of
interests was one of the sluggish aspect of Economy in India by giving any vague reasons just to
ensure the Liquidity or Money for Startup of Business should not easily given or making available
to Indians, that was English Proposal. In past all government was happy to get the High rate of
Interests of Business Loans or Housing Loans etc, unwilling India run by the same strategy or
people left behind by English People.
Earlier in past 60 years, All Common Man and Business Man is busy in Paying TAXES, Watching
News of Corruptions, Most of them in insufficient savings & then after paying EMI on High Rate
of Interests & All Business are adding their Loan Rate of Interest Rates amount in to Production
Cost, ultimately this affecting to Inflations. NPA etc.. no one is aware of Who is Actual
Government or Who is RBI??
Just to break Ice & expectations from the present all Team of Hon PM is in view of Development
of India & a Common man *1) Easy & Fast Money for Startup & **2) Low Rate of Interest Rates
(this will automatically reduce NPA & Add numbers to Aviles Loans/Banking Finance) to Business
For Example –very common man can understand if in case He/She pay EMI on the Loan Amount
by insufficient Savings, Interest Rates High level, ultimately on Higher Note the Loans become
NPA or the person will Suffer, in other View RBI or Government is able to reduce Rate of Interest
to a certain level Affordable, then this number of persons who is willing to take Loans will
Increase Numbers or the money will be easily available in Market, now nothing will stop for
getting Inflations LOW in this scenario, benefits will be 1) Saving of Low Interest Rates,
2)Number of Availing Loans will Increase, 3) Strengths to the Market Boost Economy. (now RBI is
not cutting Rate of Interest by giving Reasons of Inflations) In fact the Inflection s will
automatically come down by cutting Rate of Interest. Now RBI Sounds Like English People not
cutting Rate of Interests to keep undeveloped. Strongly putting to you Low Interest Rates of
RBI/Banking Finance will give Boost Strengths to Indian Economy Business Point of View. As the
Borrower will take more Loans and repay very easily and faster.(high interest rates will be NPA)
Like Wise of Foreign Direct Investment (FDI), *****by Putting our Indian Money making easily
Available in LOW EMI Rate of Interest, Business Loans or Housing Loans will strength Indians,
Indian Make in India Projects Proposals & Business community of India. (This will not affect
Inflation any more) In fact the Borrower will take more Loans and Repay more easily.
By the point the Subsidy or any government scheme/ funding etc, all these activities are also
may not required if in case the New Start Up Project Business Loans making will be Easy and in
Low Rate of Interests. (in past Business people were mostly occupied by paying taxes & EMI
Loan High rate of Interests to bank, Adding to cost of Productions & costly sales of all
Commodities)Market
Low Rate of Interest will Boost Indian Economy in Quantity & Quality Wise As well.
Agenda
1) Reduce Loans Interest Rates affordable to Minimum including Business Loans or Start Up
Loans
Hence urge the Hon PM, Present government, RBI instead of Government Schemes or FDI
(foreign Direct Investment) etc. Need to Put All Efforts for Making Available Easy Banking
Finance with Low LOW Rate of Interest & with Fast Processing will Boost Indian Economy.
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Dear Sir
This is to bring to your info & in the interest of common man like us (with certain protections on the
ground of unaccountable transactions/protect from mafias dons or unidentified illegal collection agents
on cash working transact people) as a consumer and the poor Honest Tax payers Indians.
1) All Purchase as a buyer beyond 2000/3000 Rs must be in digital Mode to make Protections of
Consumer. As a consumer We Express & urge to make all Transactions of Purchase of any kind
of commodity by DIGITAL MODE/BANK TRANSFER/by CHEQUES
2) All GOLD PURCHASE & SALES by All Transactions by any one of small/medium/Large Shops must
be Registered in GST Specially to Make All GOLD Tractions & the point is to make Compulsory to
mention PAN NUMBERs for each transactions in GOLD PURCHASE AND SALE beyond 2000 Rs
3) Make PAN NUMBER Compulsory for All Purchase & Sales of GOLD/SLIVER/DIMONDS/Jewelers
Etc & CASH Transaction to STOP beyond Rs. 2000/3000 & promote DIGITAL
4) This will automatically Reflect the GOLD Holdings against PAN Card on ITR Portals.
5) Even in case government aware if this activity, at ground level no one is following up.
6) There are many more Coop Banks/Government Banks is giving Banking Finance Loans or (Gold
Loan) on Bogus Documents & the person whose documents are used for getting Finance & More
Important the Actual Person whose documents used is not aware of this Transactions? (i.e.
Without PAN sometimes) in the absence of the Document holding persons. (manually system
disadvantage)
7) Now a day’s many Banks Government/Cooperative found in such practices, trying to just intimate for verifications & see the actual Fraud by Banks in Bogus Loans disbursements due to Offline Systems. ---------------------------------------------------------------------------------------------------------------------------------------------------------
India is in the list of Developing Countries since the date of Independence, this is
biggest Proof of the Outdated manual Government System. There is no need of
intimations from anyone else in India! Indian Government is Unable to get
DIGITALIZATION is one of the Biggest Biggest Failures since independence.
Embarrassing to see the UnEmployment factor since 1947, still continued? Per
Individual Per Capita Per Head Income is Less than Average and people of India
is still running their for Food, Medicines, Cloths, Shelter, Education is
UnAffordable?? To common man or mostly 200% excess Max Retail Praises MRP.
CASH, BLACK MONEY, GOLD, BLACK PROPERTY, CONSTRUCTION MATERIALS
like SAND Tenders, Manual Government Tenders etc are basically A Bribe/share
of Government Officials being used as Pocket Money. Many more Wastage of
Taxes at each and every level of Government. Rate starts at Min 10% Offer. CASH
With Ref to PMOPG/E/2018/0155843, PMOPG/E/2018/0238618
This is one more intimations even the RBI Reserve bank of India decided to
OVERLOOK or not to attend Issues/Cases, the Central Government and Finance
Department along with RBI is 1000% Responsible I below mention issues. RBI
has biggest Failures in History of India is even in 2018 Digitalization’s pending!!!
1) WHY RBI RESERVE BANK OF INDIA need reminders to act Boldly and
Proactively towards stop BLACK MONEY/CASH ACTIVITIES??? Do RBI
taking 1000% Responsibility of all CRIMINAL EXTORTIONS happening in
India. If in case RBI did not act to STOP BLACK MONEY. RBI has to Held
1000% Responsible for All Criminal activities Happenings in INDIA
2) RBI Reserve Bank of India – is Banking Regulator, if In Case RBI is allowing
All Indian Banks to Sell Insurance, Stocks, Bio Products through Bank,
then RBI has to Take 1000% Responsibility of All Business Individuals in
India. All Business of Stocks Markets/Insurance must Get 100%
Compassions, Central Government, Finance Department must give Salary
for All Stocks/Insurance Business Individuals, Monthly Expenses along
with All Facilities of Government Employee Equaling to TOP RBI Officials,
just because RBI is Allowing All Indian Banks to Sell Insurance, Stocks,
Mutual Funds, General Insurance Etc.. or Now Immediately STOP Sales of
Banking BIO Products from BANKS Government and Private and NBFC All
and Banks has to FOCUSES only on LOAN Distributions across India
including all Government and Private Bank.
3) RBI Reserve Bank of India is to take 1000% Responsibility in INDIA of All
Miss-happening such as BANK DATA LEAKAGES, MISS USING BANK
DATA, MISS SELLING, After Sales Services whatever Sales done by Bank
till Now. STOP IMMEDIATELY Sales of BIO PRODUCTS from BANKS.
4) Now a day’s Every Loan proposal, All Type of Loan Requirement of an
Individual/Company/Firm etc has to take unwanted Insurance doing like
EXTORTIONS on GUN POINT, BANK EMPLOYEES DENYING to Distribute
Loans without taking of Insurance or Banking Employees demanding
BLACK MONEY BRIBE @ Min 25% Amount if in case Borrower is not taking
Insurance from Banking Loan Amount. For Central Government, PMO or
RBI any one can come any movement and can check the Ground Reality, or
else we can show this all activities of Blackmailing / Extortions for
Insurance amounts from Banks, NBFC Non Banking Financial institutions.
5) Many more incidents where happening Loans were Denied by All Private or
Government Banks just because of Borrower not taking Insurance, from
Bank or NBFC, sometimes except doing Suicide there is no other way-out
or any option left for the Loan Borrower?? This is just because of RBI??
6) Surprised by Banking Exams were passed for Selling Insurance Products
by Using Bank Account Number DATA?? RBI Allowing to Sell insurance??
7) RBI RESERVE BANK OF INDIA IS SLIPPING OUT THEIR IN Offices??
Central government and Finance Department is Responsible for All
Unemployment’s happenings for All License Business Holders??
8) Why and HOW RBI is allowing banks to SELL INSURANCE? That’s like
EXTORTIONS?? COMPULSORY?? Even in Case the Clients is already
having sufficient insurance?? Moreover Bank Insurance is usually sold on
very Higher Rates, any sort of Charges were Taken under the name of
BANK and RBI??? STOP SELLING INSURANCE IN BANKS……NOW
9) State Government/Central Government issuing Licenses to
SAVAKAR/SAWAKAR - That means this Government Licenses were
issued just to do Extortions as mostly DON/MAFIA is holding these
SAWAKAR, moreover due to All CASH Practices, these People are Free to
Hire Government People at 10% for Doing OPEN Murders, Extortions,
Brutal Killings Etc.. by Hiring workers by Unaccounted CASH ACTIVITIES.
Many more Common Man is often visits them Financial SAVKAR KILLING
HOUSES, getting themselves in a slaughterhouse basically because of
“Need of Money and Not getting Support from any Educated/Examined
RBI/Indian Banks”” All Farmer Agriculture people were getting themselves
hanged because of this DUMB RBI Reserve Bank of INDIA. CLOSE ALL
SAVAKAR/SAWAKAR LICENCE
WHY THEY ARE NOT BAN ALL UNACCOUNTED CASH ACTIVITIES???
RBI HAS TO TAKE 1000% RESPONSIBILITY OF ALL MURDERS/KILLINGS
HENCEFORTH IN INDIA, ALL CASH DISPUTES CASES MOSTLY DONE
FAKE BY THESE DON/MAFIA AND COMMON MAN IS GETTING
THEMSELVES HANGED??
HENCE NOW IN 2018 – FIRST STEP IS TO CLOSE ALL
SAVAKAR/SAWAKAR LICENSES. BAN ALL CASH TRANSACTIONS.
10) When RBI Reserve Bank of India will Act towards DIGITAL INDIA, CASH
LESS TRANSACTIONS, EASY SWIP MACHINES DISTRIBUTIONS and other
Digital Transactions Promotions?? (We hope The RBI / Central Government
Officials were well Qualified, Experience and Educated and there is some
Difference In between Un-Educated Elected MP/MLA and RBI Employees)
11) Now Urge to Central Government, Finance Department and GST Council
must ACT FAST to Add All DIGITAL Transactions.
12) All Agriculture Sales and Purchase Transactions to Include in DIGITAL
MODE ONLY, BAN CASH TRANSACTIONS for All SUGAR MILLS,
AGRICULTURE PROCESSING UNITS, AGRICULTURE MARKET PLACE to
be DIGITAL TRANSACTIONS ONLY. All AGRICULTURE IN DIGITAL MODE
TRANSACTIONS ONLY SUGAR MILLS, AGRI FOOD PROCESSING UNITS
ALL Related Companies, Firms, in Compulsory DIGITAL MODE
13) GST COUNCILS to Include All Petroleum Products GAS, PETROL, DIESEL,
OIL, ELECTRICITY BOARDS, WATER TAX, PROPERTY TAX, BOGUS TOLL
BOOTHS, BOGUS/FORGE PARKING CHARGES, REGISTRY CHARGES of
STATE GOVERNMENT/ ALL NGO, TRUSTS, SOCIAL WELFARE SOCIETIES,
RTO Regional Transport Offices to Merge in GST, All Agriculture SALES
and PURCHASE Transactions to Include in GST. STOP All Other TAX
SYSTEM, All STATE TAXES to INCLUDE IN GST. All SAND TENDERS
COMPULSORY FOR GST HOLDERS ONLY.
14) Agriculture Insurance COMPULSORY, SOIL CARD COMPULSORY, DIGITAL
TRANSACTIONS COMPULSORY, for All Sales or Purchase of
AGRICULTURE PRODUCTS. AGRICULTURE INSURANCE INDEPENDENT
SYSTEM without Any Government Interference
15) ALL State TAXES Must Get Include in GST Now Immediately. Or Else We
Required Choice to Not to PAY Taxes other Than GST.
16) All Government Tenders must Get Compulsory with GST Registrations,
Government Must Stop All BOGUS MANUAL TENDERS Without GST..
17) In India All Government Employees, Government Representatives were
having fix Min 10% Share Holding in All Government Tenders, Specifically
in Local Bodies, State Government, Municipal Corporations, Zilla Parishads
ZP, GRAM PANCHAYAT Etc,,, where as there is No Need to get the Work
Done, BOGUS FORGE BILLING are Regular Practices happening just for
the sake of TAX Money which can be easily withdrawing through the
BOGUS FORGE TENDERS, MANUAL BILLINGS, FAKE BILLINGS, EXCESS
RATE BILLING etc.. even having awareness no one had ever looked at the
Papers, however just because every Government Officials are getting their
10% Shares accordingly.. Hence STOP ALL BOGUS BILLING. GET GST for
ALL GOVERNMENT BILLING COMPULSORY.
18) All Government Tenders can often seen of Withdrawal of CASH from Their
CURRENT ACCOUNTS, Just to Share the BLACK MONEY, CASH 10% Share
of All Government Officials and FAKE Auditing were Always done by CA
Chartered Accounts –Withdrawal CASH were showing as some other
Expenses. These activities are very common and All Central/State
Government are well Aware of such practices!!!???? The Easiest Way of
Investing Amounts BLACK CASH Money in GOLD, Jewelers, Property,
LAND or in FAKE NGO, SOCIETY, Etc..
19) GOLD All Transaction to be in DIGITAL MODE ONLY. WHY GOLD
JEWELERS is NOT IN CAPITAL GAIN TAX???????
20) Biggest FRAUD in INDIA, RBI Allowing HOUSING LOANS without ANY
MRP.. HOUSING LOANS were given on FAKE, FORGE, BOGUS MARKET
PRIZES which can be easily manipulated, FAKE Rates affecting making
Stronger NPA in Indian Banks!!!!!
21) All RBI, Central/State Government must understand CASH is Openly Used
for Terrorist Activities, BRIBE, BLACK MONEY for HAWALA, EXTORTIONS,
CRIMINALS were demand CASH for All Unethical Practices?? Still RBI,
Government need Intimations to Act towards CASH Activities???Why???
22) RBI Has to Answer why they did not tried to get DIGITAL Banking
System?? WHY RBI Need Intimations for DIGITAL Promotions???
23) CASH is OPENLY WITHDRAWAL from CURRENT ACCOUNTS for Exchange
of BLACK MONEY from NGO, Private Companies or All Current
Accounts?? Still Government Needed intimations form us and moreover
this All Feedbacks were just asked for the sake of Readings and Nothing in
the Ground Reality to Act on from Government Side
24) RBI must Ask all Home Loans in India as per MRP Max Retail Prize just
because of Excess Amounts were openly shown against Fake Valuations of
Property, moreover this Became NPA mostly 90% Cases. (by withdrawing
CASH form LOAN or CURRENT ACCOUNTS) Bribe Were Paid Openly!!
25) RBI, CENTRAL GOVERNMENT HAS TO WITHDRAW 500 AND 2000 Rs
Notes Immediately. We don’t want high value notes or to keeping common
man alive from DON, MAFIA, HAWALA, EXTORTIONS etc criminal
Activities. We did not required high value notes in India, mostly used for
BRIBE or else private Business required less cash than these government
Tender Holding Contractors and they use CASH Withdrawals from their
Current Accounts just to share pass on 10% Min Amount of BRIBE of All
Government Officials in India.
26) RBI Reserve Bank of India is deliberately Ignoring the RISK OF CASH
HANDLING and moreover ALL MAFIA, DON, EXTORTIONS, BLACK MONEY,
BRIBE, CORRUPTIONS, Activities are always done with All Unaccounted
CASH Activities. RBI sounds like itself involve in all these activities and
might be having their share holding say min 10% of all officials. Or
otherwise RBI might acted towards stop BLACK MONEY and Strong Action
to STOP CASH ACTIVITIES..
27) In India there’s Fashion of withdrawal of CASH from Current Accounts of
Government Contractors just to Pass on BRIBE, CASH in BLACK MONEY
IN CASH Shares of Government Officials All including Elected Members
which starts normally from 10% to 25% to 40% so on depending upon the
nature of Contracts/Tender. As Example Government Tender/Manual
Tender/Fake Tenders or Contract Tender is for say Labour Supply to
Government Office, then even the Candidate/not available in at actual then
even in case of not present in Office, the Percentages is 60% to 80% CASH
/BRIBE to be paid Amount to all government officials including Elected
Members just to ensure Paper Work and Funds Transfer from Government
Accounts. Candidates normally even not present/Fake name Candidate
listed then only entire payouts given and share among the government
officials holding authorities. It’s very easy for any government officials to
Shout/Killings by using these CASH MAFIAS, CASH DONS, CASH
CRIMINAL, CASH WORKING AGENTS, USING CASH AS Unaccounted
instruments, without Proofs and without any accountability.
28) In India there is N Number of CASH Disputes hampering to cause of DEATH
of that poor Common Man. RBI is 1000% Responsible for All Killings.
29) This is 1000% Government/Governance Ignorance and west of TAX Money,
Do government Collect Taxes just to Distribute Among Government
Officials?? CASH/GOLD etc black money instruments used for This
purpose Only…
30) RBI Reserve Bank of India Must Act now Fast to get them self’s in DIGITAL
MODE on Most Priority Basis.
31) Make RUPE DEBIT CARD COMPULSORY IN INDIA for ALL INDIAN BANKS
32) RBI Reserve Bank of India is Now Need to Distributte All DEBIT CARD,
CREDIT CARD FREE, SWIPE MACHINES must be distributed on HUGE
Scale. Every Current Account Must be SWIPE Machine Compulsory just to
Promote Digital Transactions and SWIPE MACHINE FREE, FREE CHARGES
Unless and until RBI Reserve Bank of India, Central Government, Finance
Department STOP CASH BRIBE GOLD etc commodities in BLACK MONEY.
DEVELOPMENT IS NOT POSSIBLE.
Or Else RBI has to take 1000% Responsibility of all Miss-happenings in India just
because of CASH DISPUTES, MURDERS, CRIMINALS ACTIVITIES, and KILLINGS
and so on etc…
Either RBI Has to STOP CASH Practices of BLACK MONEY and PRINTING of 500
and 2000 Rs notes or Else take 1000% Responsibility of All Unemployment’s In
India and those who running short of Food, Medicines all Deaths due to unusual
Circumstances where people were get themselves Hang?
______________________________________________________________________
INDIA IS IN NEED OF - 1000% CASH LESS AGRICULTURE POLICY, 1000%
PAYMENTS OF ALL AGRICULTURE IN BANK ACCOUNT TRANSFER, DIGITAL
AGRICULTURE MARKET PLACE, DIGITAL TRANSFER OF MONEY. 1000%
INSURANCE OF AGRICULTURE LOANS –AS PER GOVERNMENT RATES ONLY
1 India 1 TAX 1 GST Oriented Development Programmers’. Promote MAKE IN INDIA and MADE IN
INDIA GREEN INDIA DIGITAL INDIA DIGITAL BANKING,
GOVERNMENT DIGITAL BANKING SYSTEM Combating Corruption, Battling Black Money
1 INDIA 1 TAX STRUCTURE IN INDIA. ONLY 1 TAX GST
1 INDIA 1 CASH LESS MEDICAL POLICY, MEDICAL TREATMENT AND MEDICINE
PRICES TO GET REGULATED ASAP. 70% INDIAN POPULATION MUST GET
COVER AROUND 10 LAKH IN NATIONAL HEALTH SCHEME
1 INDIA 1 PF ACCOUNT, 1 INDIA 1 EPFO ACCOUNT, 1000% DIGITAL.
Please Refer earlier - PMOPG/E/2017/0528594, PMOPG/E/2017/0558676,
PMOPG/E/2017/0561278, PMOPG/E/2018/0155837, PMOPG/E/2018/0155843,
PMOPG/E/2018/0238618, PMOPG/E/2018/0242417
Hon PMO, Finance Department Government of India and RBI Reserve Bank of India.
This is very Embarrassing In India where RBI Reserve Bank of India it seems given Free Hand to All
Indian Banks to collect any any sort of Charges under any sort of heads just to Loot Indian People.
That look likes bank behaving as they have All Rights if a Customer Open Account in Bank that means
Bank have all 1000% Rights given by RBI just to ensure Recover Charges like Extortions Money. More
specifically giving license just to make Encounters Openly all such English People dose in past before
Independence. All such practices happenings Across India due to RBI Reserve Bank of India just
because of reasons mention below
6) Bank Never Ever Display or Show the Hidden Charges, Why Bank didn’t display Rates/Charges
7) Indian Banks why do Back Stepping About Hidden Charges? Why Not Inform upfront
8) Do RBI given any instructions to Display All Bank Services Charges, Display Boards to make
Aware the Clients?? Would like to Know by RBI??? Reserve Bank Of India to Answer??
9) RBI or Finance Department never ever Looked at up Fixing up all Bank Services Charges. That
means Free Hand given to LOOT Indian People under the name head of BANK CHARGES??
10) That All sounds Indian Banking system Not At All have any Proper Structure, nor any DISPLAY
or any any awareness created by RBI or Indian Banks.
RBI Reserve Bank of India doesn’t have any control over Banking service Charges, WHY RBI Reserve
bank Of India didn’t Act till now, why they required Intimations from the common man of India, why
they themselves did not prepared ACT towards Fixations of Bank Charges and Services Offered Display
We would like to know, please share specific details, dose RBI given All Rights to Indian Banks,
Government Banks to act as 1000% authority to Recover any sort of Charges without any Knowledge
or Consent of Account Holder?? That’s seems like British Rule if is sounds True so!! Government
Authorities behave such as they have all Rights to Act Like Owner of Bank Accounts?
All These Suggestions and Feedback given to HON PMO and Finance Department and RBI Reserve
Bank Of India.
4) Fix Up all Bank Services Charges Across All India All Banks.
5) Display Charges and Make Consumers Aware of Charges of All Bank Services.
6) Specifically Banking Charges to be made Affordable to All Common Man of India.
NOTE – In Case In INDIA the Government Banks is Charging there Charges for Each and Every Services
they Offer, Every Service is Chargeable then – Why do we Required Government Banks??? What is
Difference between Government Banks and Private Banks?? Why Government of India is wasting
Common man’s Tax money in Government Banks? What is purpose of WASTES of TAX ?
Broadly the NPA, BAD Loans amount were gone to few people who left India and Enjoying them self
out of India and it seems due to some of Banking officials miss use of Authorities these bad NPA were
happened and Now Banks were given Free Hand by Central Government or RBI Reserve Bank of India
to LOOT EXTORTIONS of Common Man, Ordinary Account Holders under the name of Banking
Charges? WHY?
RBI Reserve Bank of India and Government of India is just making fun out of Common Man to ensure
Looting and Extortions for the sake of MONEY by these Charges? Urge you to TAKE Survey.
RBI Reserve Bank of India if Conduct Survey and take Public Opinion about The Banking Services
offered by Government Banks from Each and Every Account Holder, then only they will understand
the Quality of Poor Service given by Government Banks more over all these Poor worst Services are
Chargeable.
RBI Reserve bank of India and Central Government will be happy to Know about “GOVERNMENT
BANKS IN INDIA IS STILL IN MANUAL MODE AND DID NOT PROVIDE ANY KIND OF SERVICE
ACKNOWLEDGEMENTS AND CHARGES DETAILS?? Why, What is happenings??
Why We In India is in need of Indian Government Banks if in case The Each and Every Service is
Chargeable? Why we call them as Government Banks??? Who will check the Quality of Services??
Who will provide the Acknowledgements?? Who will Make Aware of Bank Service Charges????? To
Clients. It sounds RBI Reserve Bank is Unable to Control even the Government Banks???
In My View Suggestion is to make All Government Banks to PRIVATE. Make All Government Banks
PRIVATE Banks. Without Waste of Further any Common man TAX Money..
This is with Ref to Earlier Ticket Numbers.. 4319518986 and 4299351252 And 4316659795 of State
Bank Of India.
Embarrassing to Let the Central Government, PMO and Finance Department and RBI Reserve Bank of
India to let you know the Government Bank like State Bank of India is now behaving worst than even
uneducated MP/MLA, it will be better let the Government Open up for Loot, Extortions for just for the
sake for getting Money under any aunt-shunt charges. Very Embracing the institutions like
FAKE/BOGUS RBI is Inactive or unable to do anything even for the Government Banks. We feel
ashamed by RBI and government Bank like SBI.
In case being RBI, SBI State Bank of India even being Government Bank charging any unnecessary
unwanted excess charges or without putting up in to the knowledge of Clients getting charges debits
from the Clients accounts “under the name of Banking Norms or bank can take authorize for collecting
charges” it self means EXTORTIONS, this is very true and some of honest Farmers are doing hanging
up them self’s around such as Interest Business who didn’t belive in any humanity left in using or
misusing of Authorities being as an government Banks. We belive all of them RBI or SBI is some of
DUMBO institutions around the Peoples Tax Amounts for Loots. We are well aware of all Criminal
activities like even killings happened with the support direct/indirect supports of Governments.
My Question is Why SBI to take charges of Each and every services provided by them, why RBI
allowing such practices, if in case this question is of SBI independent between Client or Bank. Then in
that case why our Central Government, PMO, Finance Department is wasting WEST The TAX Amounts
by putting in Government Banks in India.
Where as in fact and Ground Reality these banks were getting their BAD LOANS Recovery by Looting
Common man and through that SBI or Even in case RBI Getting these BAD LOANS NPA Recovered from
Common Man. Besides the people who took Loans with the getting Banking officials settlements by
offering them Bribe or CASH or Money in GOLD or Jeweler just for the sake of Getting the Loans
Passed form all Government Banks.
In Our View SBI or RBI can come and check the Feedback of SBI or Other Government Banks ONLINE
by sorting each and every PAN and Account Numbers and verify the ground reality of Government
Banks Services.
Do SBI has that much courage to conducts Fair Survey, if in case of that comes in favors of SBI, Will SBI
address the People who voted against SBI???
Kindly Change the State Bank of India Status as Private Banks. As BAD NPA Loans or in case of Every
Services of SBI is Chargeable, then we don’t required SBI as Government Banks. We don’t want our
single Rupee to west on SBI, further pathetic poor services offered under the name and fame of
government is more Embarrassing and shameful for All PMO, Finance Department and RBI…
This is very embarrassing to be Reserve Bank of INDIA RBI to work half heartily just like an ordinary
printing press workers and unable to read or write like uneducated person in India. We must ask to
government All State, Central, Finance Department either Close Reserve Bank Of India functions or
declare the Banks, Financial Institutions or Credit Societies or all Bankers who doesn’t controlled by
RBI Reserve bank Of India. Just because of Black Money Activities hampering Developments
We hereby asking to declare RBI Reserve Bank of India or All Governments to publish the list of Banks,
All Financial Institutions who does not belongs or comes under 100% control by RBI Reserve Bank of
India. This it seems to one of the Biggest Frauds done by Reserve Bank of India RBI or All Previous
governments who recognized Reserve Bank of India RBI as a Central Controlling Organizations.
We required defined clear list of All Banks across India which is controlled by RBI Reserve Bank of
India and the list of Banks which do not come under any sort of controls by Reserve Bank of India.
People of India must be aware of Bogus Fraud Banks institutions who dose the Terrorists activities,
frauds and bogus Banks, if in such cases Reserve Bank of India/Central Government/State
Government must realizes all district level Bank Frauds and scams were done by all previous Central
governments and Reserve Bank of India by playing CASH for doing all Raids, Unaccountability,
unnecessary all unwanted incidents along with Threatening people by Government officials. Reserve
Bank of India is 1000% Responsible. In India Common people were highly Uneducated, Highest
inflection, Uncertainty and people were dyeing due to Hunger/Food and All these were happening
due to Reserve Bank of India RBI/ NABARD like forge Institutions who worked like only printing press
Rubber Stamps!!
We are ashamed by even after 1947 Independence to till date in 2018, Reserve Bank of India
RBI/NABARD like institutions were Unable to Get DIGITAL BANKING SYSTEM in INDIA. This is Biggest
Failure of these Fake Bogus Rubber Stamp Printing Press Institutions. Why We common man is
suffering for all such 1000% unaccountable Institutions ??
Even since last 70 years the institutions like RBI is unable to introspect even after taking benefits of
Taxes paid by common Man, now what all are they RBI is interested in??? just being Rubber Stamps??
That all bluff by Reserve Bank of India at the movement they were not reducing Rate of Interests,
entire system if Bluff/Fake/Bogus and Remember due to RBI unusual Loan System/Inflations
restricting India Growth. All Government Departments/RBI has to start Reducing Minimum Rate of
Interests of All Crop Loans, Business Loans, Property Home Loans etc. that is within Time Line Process
& without human interventions delay deliberate misuse of Authorities by Banking Authorities mostly
Even after intimating to RBI -PMOPG/E/2017/0135709, still inactive from last 1 year moreover it
seems 1000% deliberate ignorance/overlooked, by RBI. If in case of not understanding our concerns
and moreover after intimations (then we must say are common man like us wasting money by Paying
Taxes) in case RBI is not working properly towards Black Money. Manual Bogus Government Billing
As Common Man don’t have any Choice given by government to pay or not to pay Taxes. Moreover all
State Government /Central Government must show clear expenditure details of Development.
We express our Queries in below
13) Why in Past 70 Years Reserve Bank of India is unable control CASH Unaccountability
14) Why Digitalization of All Government Banks is pending since past 70 years
15) Reserve Bank of India has to take 1000% Responsibility of All Undevelopment,
Uneducated/fake system and people were died due to Food/Unemployments etc. Specifically
All Government Billing were happened from such Bogus Forge Fake banks which doesn’t not
come under RBI Controlled and Development were not taken place due to misuse of all Taxes
Government funds were distributed among that Fake Institutions/Banks/ individuals benefits.
16) As it seems Government Departments/Trusts/NGO mostly Local Government Bodies might be
not aware of such Bogus Banks/Institutions/manual cooperative Banks where the Tax Amount
which is sent for development were getting 1000% wastages due to unawareness of Banks
which doesn’t come under control under RBI.
17) Why GST is not compulsory for All NGO/TRUST/Social Welfare Societies/TOLL/PARKING and
Why all of them working in CASH BLACK MONEY UNACCOUNTABILITY & How RBI is allowing??
18) Do Reserve Bank of India has 1 system in Place where RBI, Income Tax Department or any
other government institutions is able to Find “How many Accounts are Opened under One
PAN or TAN or Government Bank Accounts”, hence Incometax Department to investigate all
Manual Credit Societies/Bogus Banks/District Banks/Cooperative Banks for Black Money!
19) Now Reserve Bank of India RBI has to declare Two Lists of Banks, which declare list of Banks
Controlled by RBI 100% and List of Banks in India which does not comes control under
RBI/Government
20) We feel All Investigating Indian Agencies don’t required we common man to intimate them as
most of Black Money Cash Transactions (hiring CASH Workers/Terrorists) Unaccountability
were done by most of Manual Banks which doesn’t controlled by RBI like Manual Government
Banks, Patsanstha, District Cooperative Banks, Sahakari Bank, NGO, Welfare Societies, All
Private or Government TRUSTS who dose all these Black Cash Practices and Reserve Bank is
Responsible for all Printing and Wasting Government TAX Amounts in Printing Notes of
500/1000/2000 adding value to Black Money, still few of times duplicate Notes done additions
21) We don’t think institutions like RBI/NABARD/Finance Department is Not Aware of as COLOR
Duplicate ID cards like PAN/AADHAR/VOT ID/DRIVING LICENSES/PASSPORT Etc are very easily
available in Indian Market where as such Bogus FORGE Bank Accounts were easily Opened
without intimation to Government/RBI, moreover mostly even now the Bank Accounts were
easily Opened without any KYC in such Banks as we believe which is not controlled by
Government of INDIA/RBI/NABARD
22) If in case Online Verification of ID Cards like PAN/PASSPORT/AADHAR is not checked during
Bank Account Opening, then very easily such bogus Banks may open Bank Accounts in India in
such names persons who actually doesn’t available or not belongs to INDIA? Then RBI or
Central Government or state Government has to take 1000% assurance of All Hum Life from
Terror Activities.
23) RBI doesn’t have any platform for Government Banks as any sort of Process, TAT,
Acknowledgement system. Biggest Fraud done by RBI till date from Independence
24) Why even Government Banks doesn’t Report Each and every PAN Holding Bank
Accounts/Loan Account details to RBI?? Why?? Or We insist to Display Boards under Bank
Names as Controlled By Reserve Bank of India or Not Controlled by RBI/Independent Bank.
This is very unfair the Strictly collected/Paid Taxes were misused due to such Bogus Forge Fake Banks
who actually don’t required for Follow Reserve Bank Of India Guidelines or don’t come under control
of Reserve Bank of India (in future it may possible these Banks who didn’t come under RBI Control can
print and Issue their own Currency Notes without any permissions or without any Governance) with
adding their percentage say 10% for getting CASH Withdrawals of Government Taxes Funds.
We suggest Below few Quick Points
12) Firstly Restrict to Open Bank Account for any Individual or Trust/Company i.e. Each
PAN/AADHAR has to Restrict to maximum 5 Bank Accounts. Allow Porting of Bank Account
13) An Centralized system to be Controlled by Reserve Bank of India Tracking Each and Every
single Individual Bank Account Intimating to RBI, this has to make Mandatory to Intimate each
and every small Bank Account has to Report each and every single Bank account details to RBI
14) Other Than Individual, STOP All Cash Practices for All Company, Firm, TRUST, NGO, Social
Welfare Societies Etc (or RBI has to take 1000% assurance of Terrorist Activities)
15) All Property Loans as per Maximum Retail Prices or Standard Rates system to Stop all
Unaccountability or RBI has to pay from their own pocket for All NPA/unpaid loans
16) STOP BOGUS FRAUD AUDITING SYSTEM, AUDITING MUST BE AUDITING or CLOSE ALL FRAUD
AUDITING SYSTEM
17) Either Provide List of Banks which does not come under Control of RBI or Bring All Banks
under RBI Controlling, MERGER of All Government Bank in 1 Single Bank is Required Now.
18) All Government Banks must come at 1 place and under 1 Roof, All Bank has to Merger in 1
Government Bank and i.e. in CORE BANKING DIGITAL BANK SYSTEM only
19) All Income Tax Department must Allowed to Show the number of Bank Account details
Opened under particular PAN (in any any bank)
20) All Transactions over and above 1000/- Rs must be in DIGITAL Mode. Moreover Agriculture,
Sugar Mills, Milk Companies etc Insurance against Loans must Compulsory anyway & All
Sales/Purchase of Agriculture Crop in DIGITAL MODE ONLY. Precisely All Transactions
Give/Take/Sales/purchase in Digital Mode.
21) Fast and Easy Loans within 7 days or specific Acknowledgement or process outline Activities
and that is very Min Min Rate of Interests
22) We don’t required Rs. 500/2000 Notes moreover most of Notes are getting duplicate available
in market, during Transact that is very tuff to identify Original 500/2000 Rs Note. As Cash
Transactions dose not attract any TDS or GST or any other TAXES. Ultimately only RISK.
We were wrong assuming All Private or Government Banks were comes under control of
Reserve Bank of India RBI. However We Now Required List of Banks which is Endorsed by RBI.
Or RBI must Stop all transactions between those Banks who doesn’t come under RBI
Controlled or RBI has to take 1000% Responsibility of All Undevelopment, Black Money,
Farmers unwanted Incidents etc
For us as a common man it is day to day count of today’s earnings, these attract Taxes and eventually
paid in the growth of India. Many times very easy for salaried /government employees even they
won’t work, they will be getting paid moreover because of Unaccounted activities the ultimate Aim of
getting the Taxes paid i.e. for development is not possible, hopefully such people with experience
highly qualified may understand concerns and will work accourdingly to stop unaccountability of
CASH Practicies
Sir We Would Like to see the Government step forward out of All old traditional procedures and come up with some Sound DITIGAL Way of Government working for Common Man with specific Target
Oriented Development Programmers’. Promote MAKE IN INDIA and MADE IN
INDIA GREEN INDIA DIGITAL INDIA DIGITAL BANKING,
GOVERNMENT DIGITAL BANKING SYSTEM Combating Corruption, Battling Black Money
Sir
We hope and expected form the Central Government, RBI, NABARD, Finance
Department and State Government must be part of All Digital Form, specifically
not to avoid and be fast Quick to get enrolled for DIGITAL Governance. Many
states its seems deliberately delaying and not taking Digital programmer,
however without any intimations from as a common man, Government must
Identify and start Digital Platform for All Stages at Governance. Just to highlight
India is in the list of Developing Countries from last 70 years. This shows all
manual processes dose waste working hours of Common Man working hours and
Tax amount waste. More over we have many more Forge Bogus Tendering
manually in Addition. Without any further intimations form us, Government or
Governance must Act on their own must act independently and Start doing Real
Development Process at the earliest Possible.
Digital Economy is in need of below Few Quick Points. The Feedback
No..PMOPG/E/2017/0521837. (details attached) PMOPG/E/2017/0491049,
PMOPG/E/2017/0491968, PMOPG/E/2017/0515756, PMOPG/E/2017/0518747,
PMOPG/E/2017/0520389 Details of PDF is already attached.
1)Government to Bring Real Estate RERA, All Petroleum Products Gas,
Electricity Boards, RTO (regional Transport Offices), State Taxes, PARKING
TOLL in GST, Bring All in GST
2) Need Proper Control over Companies MRP –Max Retail Prices (reason
Excess MRP on Products by Companies or mal practices)
3) STOP CASH Practices and All Unaccountability in RTO TOLL BOGUS
FORGE PARKING’S (or the Terrorists are better than these TOLL or PARKING
WORKERS?????
4) Urge you to STOP CASH PRACTICES or Expenses in All TRUSTS, NGO,
Social Societies, Missions, Welfare Societies in social sector, All
Unaccountability Black Money activities many of them
5) Do the Government Believe in any Timeline Process in Government
Banks??? Due to all manual system Government Banks itself doing all
BLACK Money Transactions, moreover All Loans Processing takes 3 to 9
months period, 1000% wastage of manual working hours of Clients, even in
2020 there is no such systems of any Acknowledgement or TAT in Govt
Banks?
6) Dose the Government Banks feels they are distributing loans amongst
Beggars????? Now all of them works like that, Clients are visiting Banks for 3
months, 6 Months, 9 months for their Loans????????????????? DO YOU
HAVE ANY TAT???????????? PROCESS??
7) Do Government Believe to Reduce Indian Production Cost of Indian
Products, High Inflections due to RBI or High Rate of Interests affecting the
High Value Productions in Indian markets and that is because of RBI High
Rate of Interests, entire Indian Production Affecting????
8) Indian Development is not possible without Reducing Banks Rate of
Interests of LOANS??
9) Development and Indian GDP is in need of FAST and EASY PROCESSING
OF ALL LOANS
10) Does the government believe in AUDITS or proper control of Excess
Tendering Costs or BOGUS FORGE TENDERS in GOVERNMENT Bills
moreover that is without any Guarantees or Warrantee????? In fact Terrorists
are better than the bogus forge Road developers?
11) It is better to CLOSE All Fake AUDITING of Government Billings, any
movement come and see the ground reality of Indian Roads Inter City
Connectivity????
14) Government to fix up the Medical Education and Medical Examinations
Cost, Medical Expenses Costs, Medicine Costs. At Present Excess
Charges has been charge and All State /Central Government is also doing
Billing to such unaccounted amount and Wasting TAX Amount of Indian
Common Man. It is better to Fix the Rates of Medical Treatments in India to
save Tax Money and FORGE /Bogus Billings done to Medical Expenses.
Government to FIX Chart of Medical Charges and Billing According (at
Present Fake/excess Loot of Medical Charges unaffordable by Common
Man)
15) Make Agriculture Insurance Compulsory and Independent system without
any Government interference and All Digital Transactions of Agriculture.
As you required all Point wise details.
2) The English people who ruled us in India 150 yrs approx, in 1947 their (English People)
intention was to keep India occupied by some of issues, purpose to keep India UNDEVELOPED &
UNEDUCATED. Hereby just raising the point regarding the Banking Finance & high rate of
interests was one of the sluggish aspect of Economy in India by giving any vague reasons just to
ensure the Liquidity or Money for Startup of Business should not easily given or making available
to Indians, that was English Proposal. In past all government was happy to get the High rate of
Interests of Business Loans or Housing Loans etc, unwilling India run by the same strategy or
people left behind by English People.
Earlier in past 60 years, All Common Man and Business Man is busy in Paying TAXES, Watching
News of Corruptions, Most of them in insufficient savings & then after paying EMI on High Rate
of Interests & All Business are adding their Loan Rate of Interest Rates amount in to Production
Cost, ultimately this affecting to Inflations. NPA etc.. no one is aware of Who is Actual
Government or Who is RBI??
Just to break Ice & expectations from the present all Team of Hon PM is in view of Development
of India & a Common man *1) Easy & Fast Money for Startup & **2) Low Rate of Interest Rates
(this will automatically reduce NPA & Add numbers to Aviles Loans/Banking Finance) to Business
For Example –very common man can understand if in case He/She pay EMI on the Loan Amount
by insufficient Savings, Interest Rates High level, ultimately on Higher Note the Loans become
NPA or the person will Suffer, in other View RBI or Government is able to reduce Rate of Interest
to a certain level Affordable, then this number of persons who is willing to take Loans will
Increase Numbers or the money will be easily available in Market, now nothing will stop for
getting Inflations LOW in this scenario, benefits will be 1) Saving of Low Interest Rates,
2)Number of Availing Loans will Increase, 3) Strengths to the Market Boost Economy. (now RBI is
not cutting Rate of Interest by giving Reasons of Inflations) In fact the Inflection s will
automatically come down by cutting Rate of Interest. Now RBI Sounds Like English People not
cutting Rate of Interests to keep undeveloped. Strongly putting to you Low Interest Rates of
RBI/Banking Finance will give Boost Strengths to Indian Economy Business Point of View. As the
Borrower will take more Loans and repay very easily and faster.(high interest rates will be NPA)
Like Wise of Foreign Direct Investment (FDI), *****by Putting our Indian Money making easily
Available in LOW EMI Rate of Interest, Business Loans or Housing Loans will strength Indians,
Indian Make in India Projects Proposals & Business community of India. (This will not affect
Inflation any more) In fact the Borrower will take more Loans and Repay more easily.
By the point the Subsidy or any government scheme/ funding etc, all these activities are also
may not required if in case the New Start Up Project Business Loans making will be Easy and in
Low Rate of Interests. (in past Business people were mostly occupied by paying taxes & EMI
Loan High rate of Interests to bank, Adding to cost of Productions & costly sales of all
Commodities)Market
Low Rate of Interest will Boost Indian Economy in Quantity & Quality Wise As well.
Agenda
2) Reduce Loans Interest Rates affordable to Minimum including Business Loans or Start Up
Loans
Hence urge the Hon PM, Present government, RBI instead of Government Schemes or FDI
(foreign Direct Investment) etc. Need to Put All Efforts for Making Available Easy Banking
Finance with Low LOW Rate of Interest & with Fast Processing will Boost Indian Economy.
------------------------------------------------------------------------------------------------------------------------------------------
Dear Sir
This is to bring to your info & in the interest of common man like us (with certain protections on the
ground of unaccountable transactions/protect from mafias dons or unidentified illegal collection agents
on cash working transact people) as a consumer and the poor Honest Tax payers Indians.
8) All Purchase as a buyer beyond 2000/3000 Rs must be in digital Mode to make Protections of
Consumer. As a consumer We Express & urge to make all Transactions of Purchase of any kind
of commodity by DIGITAL MODE/BANK TRANSFER/by CHEQUES
9) All GOLD PURCHASE & SALES by All Transactions by any one of small/medium/Large Shops must
be Registered in GST Specially to Make All GOLD Tractions & the point is to make Compulsory to
mention PAN NUMBERs for each transactions in GOLD PURCHASE AND SALE beyond 2000 Rs
10) Make PAN NUMBER Compulsory for All Purchase & Sales of GOLD/SLIVER/DIMONDS/Jewelers
Etc & CASH Transaction to STOP beyond Rs. 2000/3000 & promote DIGITAL
11) This will automatically Reflect the GOLD Holdings against PAN Card on ITR Portals.
12) Even in case government aware if this activity, at ground level no one is following up.
13) There are many more Coop Banks/Government Banks is giving Banking Finance Loans or (Gold
Loan) on Bogus Documents & the person whose documents are used for getting Finance & More
Important the Actual Person whose documents used is not aware of this Transactions? (i.e.
Without PAN sometimes) in the absence of the Document holding persons. (manually system
disadvantage)
14) Now a day’s many Banks Government/Cooperative found in such practices, trying to just intimate for verifications & see the actual Fraud by Banks in Bogus Loans disbursements due to Offline Systems. ---------------------------------------------------------------------------------------------------------------------------------------------------------
Respected Sir.
My Compliments & Best Wishes to the present Government the way so far this is
moving with Development Agenda, Hope the PM now only hope now for all Good
Governances.
This is Suggestions to PMO and Finance Department & GST Council or RBI to
Implement Cash Less Transactions in India
Specifically to GST - Goods & Services Tax Structure - CASH
LESS DIGITAL
All GST Module to be restricted or Ban CASH Transactions - Restrictions to be
with 2000/- Maximum
1) There should only 2 Taxes i.e. GST & Income Tax
a. All other Taxes must be Removed with effect from
July like TDS, LOCAL BODY TAXES
2) My Specific Request to All - PETROLIUM, OIL, DIESEL & GAS
& Property to Bring in GST Module in JULY
3) ALL PROPERTY to include in GST MODULE with 1 TAX which include (
MRP of Property, All Registrations & include Property TAX & WATER TAX
ETC) 1 Property Number like AADHAR & Rectify the Registration Charges
Registrations. 1 Registration Number for 1 India
All Common Man like Indian is watching this Present PM, PMO & Finance Dept to
get 1 India & 1 Tax for each and every commodity including All Petroleum
Products, OIL and PETROL & DIESEL & GAS
All Common Man who is planning to purchase House/HOME/Property is to be
addressed by Government immediately Now only few of elected
representatives is opposing this major Initiative like GST done by present
Government
In case Government is able to bring Property Policy & Centralized Policy towards
this structure in One Window with Central Government with GST 1 INDIA & 1
Tax for Property Bazaar with All Fees, Registrations, with GST Module, Sanction
& Approvals of Property Project ONLINE Module, the Common Man of India will
definitely Appreciate this Government
NOTE – ALL YEARLY PROPERTY TAX & WATER TAX TO BE MADE
CENTRALISED WITH RERA (REAL ESTATE REGULATORY AUTHORITY) WITH
UNIQUE PROPERTY NUMBER LIKE AADHAR & INTIMATION BY SMS OR EMAIL
TO ALL PROPERTY OWNERS TO PAY TAXES
ONE INDIA ONE GST REGISTRATION STRUCTURE & ONE
REGISTRATION NUMBER
Below Few of the Factors must get Centralized Structure i.e. CASH LESS-
BAN CASH Transactions
ONE INDIA DIGITAL INDIA CASH LESS INDIA ONE TAX
1) One India One Electricity Rate Structure only in DIGITAL MONEY
2) One India One Property Fees –Government Registrations & Approvals
Structure
3) One India One Medical Health Policy Structure - CASH LESS
4) One India One Education Policy Structure Including Fees & Education
Pattern
5) One India One Property Tax & Registration Structure for Tax
Collections & Water Charges
6) One India One Road Tax RTO Structure Fees & registrations Tax
Policy –RTO TAX to be Included in GST Module
Vehicle Registrations to be done along with Purchase Bill from Dealers
Digital Mode Online Registration numbers to be provided along with
Vehicle Delivery. Form Manufacturing Unit of Vehicle or Selling Point
Dealers to be made responsible for Registration of RTO & provide
Registration Numbers in DIGITAL MODE
7) One India One Business One Registrations in GST Number, for example
- Like AADHAR - All India One Registration Number to be
Generated for All INDIA (all other Shop Act or etc must be
stopped/withdrawal/local body state registrations to stop)
8) One India One Parking, Toll TAX, RTO Structure only with DIGITAL
MONEY ONLY
9) One India One TAX GST & INCOME TAX - All other Taxes like
TDS/Local Body TAX/Parking Charge/Toll TAX Etc must be stopped
withdrawn
10) One India One GST Unique Registrations Number all over India
Example AS AADHAR
11) One India One Maximum Retail Price Structure.
12) One India One Agriculture Insurance Policy where without Government
intervention All Agriculture Crop / Production must be Insured & without
Government All Claims of Agriculture Insurance paid to the Farmers
Directly to the AADHAR BASE ACCOUNT DIGITALLY (At present why
government intervention is required to get for All Agriculture Crop
Insurance & Claim settlements) Those who take Crop Agriculture Insurance
Claims must be given by Insurance directly from Insurance Amount
13) One India One Import Policy –Now there is No Standard of Product
measures are available, all dumb poor quality Products are in market
without any Quality CHECK like China duplicate Products, this is very
Harmful now a day’s & Low Quality product will affect strongly with Health
or Environment of India
14) One India One HAWALA/SAVKAR/SAWKAR (Small Hand loan
business/Money Lending Business) This is to be bring in DIGITAL MONEY
MODE COMPULSORY & for ALL OF THEM GOVERNMENT to BAN WITH
CASH TRANASACTIONS (Reasons not to hire unaccounted collections
agents for small Hand loans of Poor people/Farmers for Collections) CASH
is one of the reasons for All Farmers unnecessary incidents.
15) One India One FOOD POLICY to SELL MRP of All Agriculture CROP
16) ONE INDIA ONE PETROL & DIESEL & OIL & GAS PRISES
17) ONE INDIA ONE BUSINESS LOAN or HOUSING LOAN or ALL FINANCIAL
LOAN Products
18) ONE INDIA ONE AGRICULTURE MUNDI and only in DIGITAL CHEQUE
TRANSACTIONS ONLY (CASH LESS STRUCTURE IN AGRICULTURE SALE
OR PURCHASE) WITH CORE BANKING LIKE SBI
This is also to bring to your notice why so many taxes & huge taxes amount are
collected multiply like property or Petroleum products. In case this present
government is different from previous all government, then why Property &
Petroleum GAS /Petrol/diesel products are not in MRP Policy.
Need to include All Property & Petroleum products (GAS/Petrol/Diesel/OIL) in
GST Module with reasonable Taxes & MRP effect, see now most of petrol rates
highest tax collections states al Loot of common people
In among all common Man is highly keeping track on Government & RBI
Business Loan & HOUSING LOAN Rate of Interest Rate Cut. This present
government is acting very differently & uniqueness to reduce Interest rates for All
Loan Banking sectors, very common man is watching now RBI Policy to reduce
Interest Rates.
Highest Interest Rates is the only Reason in India where New Business are not
getting start up & these interest Rates are only the Reasons behind All NPA.
Hopefully this government is Acting effectively to Reduce All Interest Rates
financial Products keep minimum Rate of Interest in All Loans.
To Reduce NPA or Clear Loan repayment –All RBI & BANK Collectively to reduce
Interest Rates Minimum which is to be made easy to take Loans & RePay Easily
to the borrowers
High Interest Rates are only the reason behind India is still Back in the race
countries which is called as Developed Nations
Banking it seems to be Service however Banking become Business moreover
making lot of money & not keeping proper standards of Business, this is very
difficult to understand why so much Interest Rates to a Common Man
This is to also bring to your Notice where all previous Governments are Inactive
in EDUCATION POLICY & at present Education Loans are became biggest Issue
now a days with HIGHEST RATE OF INTEREST. In case this Present Government
is willing to promote EDUCATION POLICY then have to Reduce the EDUCATION
LOAN RATE OF INTEREST MIN as all can take easily & Repay Easily. EDUCATION
LOAN and POLICY TO BE TAKEN in consideration & Act immediately.
EDUCATION LOAN, CENTRALISE POLICY & EDUCATION PATTERN Centrally
PAN INDIA & REDUCE RATE OF INTEREST OF EDUCATION LOAN.
SINCE INDEPENDENCE this is not yet taken by any previous government till Now
Dear Sir
This is to suggest you to Act boldly on below Few Quick Points
1)Need to Regulate Education Sector the Business Factor and high Fees
2)Need Education Policy All India One Education 1 Policy Affordable
3)Need to Regulate The Education Pattern, CBSE Board Like Structure including
FEES Maximum cap
4)Stop Play being CASH Accepted in All GOVT or Private Schools LOOT
5)* FREE EDUCATION LOAN Facility to All Students & Bank must stop high Rate
of Interest Business LOOT in Education Bank Loan
In case Banks are not ready to reduce Rate of Interest Rates, my suggestions to
Government to Act All functions of Bank like Instruct Bank to Reduce Rate of
Interest or Government to Start Giving Low rate of Interest Rates directly from
RBI to borrower in Low rate of Interest (those who keep good repayment Track)
In the Housing Scheme for All PM initiative, this Rate of Interest Rate to be
offered by Banks, Government to All in Business Loan & Housing Loan segments
etc..
Government or RBI to Keep Maximum CASH KEEPING & Handling Limit
MAXIMUM to 1 Lac or 2 Lac, this rule will also help Bank to Reduce Low Rate of
Interests
Now due to Not having Maximum Cash keeping Limit, now All ATM and Bank are
running out of Cash, so this CASH Keeping rule has to be there in Banks, RBI or
Government.
Present Government is moving so good & this is only Hope to do plan develop
India. Hence all suggestions mention above to be implemented this is a request
from our Common Man.
Educations
Suggested to the Central Government to Imitate One Structure in INDIA for
Education where their should be only One Body who will Take Care of Rural Zillah
Parishad ZP Schools, Municipal Corporation Schools or State Government
Schools or Colleges. Including Private Education All Institutions which will ACT
to implement Education Pattern for ALL as Education Policy, Education Contains
& Fees Structure. (In All History no one has even looked)
Respected Sir
This is Suggestions to PMO and Finance Department or RBI to Implement Cash Less
Transactions in India
Now This is very surprisingly bringing to your Notice Government is still Not in Favour to
Remove Debit Card or Credit Card Payment Charges
Card Debit or Card Swipe on Petrol pump Etc. Regular Swapping Machine Owners
are still charging 2% of Transactions Amount after Purchase. Don't know Why
Bank Charges for Debit Or Credit Card Payments. as this is very Simple Way to Cash
Less Payments, This seems All Bank not aware of Cash Less Society or Government
not instructions to Waiver of All Swipe Charges
PL NOTE– CHARGES OF CARD SWIP IS WITHOUT BILL, CONSUMER NOT
GETTING ANY KIND OF BILL OF THAT 2% CHARGES WHICH IS CHARGED FOR
SWIPPING –WITHOUT BILL - WHY THIS !!!
Cash Less Payments Hopefully now need to Brief All Digital Payment Structure
Free from All Charges or Taxes For Example
Now Government to Implement Card Swipe Machines in most of Centers example
given below
All Government Payment Structure by Debit Card or Credit Card or NEFT
Mandatory.
In case require CARD SWIP Machines to be supply by government in special
rates to make affordable by small business owners to promote card less
transactions
Maximum below Centers to use Digital Mode Only and Need to BAN Cash on
below Centers
All Petrol pump, Electricity Board MSEB, All NGO-Society/INSTITUTION, All
School or Colleges Govt or Private, ALL EDUCATION CLASSES/PRIVATE
TUTIONS, All Hospitals like Government or Private All Must use Digital Payment
Only, MEDICAL STORES & DRUG BILLING, BSNL or MTNL Counters, BUS STAND
& RAILWAY STATIONS & AIRPORT & ALL TRANSPORTS PRIVATE & PUBLIC. All
Toll Tax Booth Compulsory, All Tax Collection by Digital Payment Structure like
Municipal Corporations & PARKING CHARGES, Toll Tax, Local Tax, RTO -Traffic
Police Receipts Challan, Court Fees Stamps, Bond Papers, All Court Fees by
Digital Payment only, this is most of Locations were Government must ask to
collect Fees be collected by only All Digital Payment Structure Debit Card
Machines Payment Structure Free from Tax and Changes
All Insurance policy Free from All Taxes in Digital Payment Structure (Salary or
Wages including)
IN INSURANCE (LIFE/HEALTH/GENERAL/AGRICULTURE) TO PROMOTE BY
GOVERNMENT DUE TO HIGH GST RATE (OR NEED TO REDUCE GST SLAB) AS
THIS WILL HELP TO GET INSURANCE AFFORDABLE TO ALL COMMAN MAN OR
SOME OF MRP /MAX PREMIUM STRUCTURE
NOTE – ALL SALARY OR WAGES OR ANY GIFT OR ANY PAYMENT IN ANY
COMPANY OR FIRM OR COORPORATES OR GOVERNMENT HAS TO BE IN THE
FORM OF CHEQUE OR DD OR NEFT
All Policy to be made by Central Governments & State or Local Body to
Implements
Now we have some examples where MSEB given authorized Collections Agents
for Electricity Bill Collections in CASH, Collection Agents collected CASH against
MSEB Bill Amount at collection centers. Their After that Collection Agency yet to
pay these collected amount to MSEB/government. That CASH & CASH Collection
person / Agency ran away within 24 hr. this is direct Loss to Government or LOOT
of public money. This unaccountability is very regular and often Maharashtra
Electricity Board MSEB with such incidences like CASH Transactions of public
money. This is one of the reason with Increased High Rates of MSEB Per Unit
Rate Charges
Intent to mention to AVOID CASH COLLECTION AGENCY or PROMOTE DIGITAL
PAYMENT STRUCTURE IN GOVERNMENT ALL LEVELS
The Basis Query from the Common man is why Governments are taking RISK of
CASH Handling (printing) & UNACCOUNTABILITY of PUBLIC Money. Need to
avoid such incidences. This applicable to all such Government TAX Collections
Agents/authorized agencies/TOLL BOOTH or even PROPERTY TAX or WATER
TAX LOCAL BODY TAX COLLECTION PARKING Agency/Persons etc..
The Government may ask to Monitor proper TAX collections. However Now in 20-
20 Century at least GOVERNMENT STATE OR CENTRAL Need to stop CASH
Collections at All Level.
Thank you please for your Considerations
Dear Sir.
My Suggestions
1)All Policy to be made by Central Governments & State or Local Body to
Implements
2)All Type of Governance Services Acknowledgement to be Given
3)All Bank to be maid Mandatory to provide ACKNOWLEDGEMENT of All
Application such Loan, Personal Loans, Grievances etc with specified TAT
mention on Ack Number Proper
& Approval or Rejections Letters to All
4)All Type of Government Payments to be maid Digital & Public disclosure by All
5)GOVT must stop play on NA 44 or 45 or PR Card Registration & to be Centralized like
AADHAR ONLINE REGISTRATIONS with Proper Approvals Immediately
Without proper Town Planning –Stop giving permissions to New Projects
*****
6) Compulsory All Agriculture Insurance at All Places in India Must to get Agriculture
Insurance with Link to AADHAR Card
*****
7) All Farmers must be Insurance with AGRICULTURE, GENERAL & HEALTH
/LIFE Compulsory with Government scheme like Pradhanmantri Vima Yojana.
This Agriculture Insurance will Help All Farmers with Insurance Amount for Crop
Loans or any natural Calamity & don’t need to depend on Government for any
kind of interference
Note –This Agriculture Insurance will also resolve many more issues
independently to Farmers to get their Insurance or Loans or any other assistance
8) All Sale or Purchase of Crop like Vegetables, DALs, Wheat, Potato, Onion Etc
(All Agriculture Production/Manufacture) Food Grains Etc. by Farmers by Only
Core Banking system, Purchase or Sale by CHEQUE or DD to be share to All
purchaser or Seller at All Mandi with Core Banking system Only.
All above to be made Central government with proper Acknowledgement Numbers with
Mention TAT of resolutions & Government must intimate by SMS or E Mail to All who
lodge Request/complaint or any issues
Respected Sir
My Compliments & Best Wishes to the present Government the way so far this is
moving with Development Agenda, Hope the PM now only hope now for all Good
Governances.
This is Suggestions to PMO and Finance Department & GST Council or RBI to
Implement Cash Less Transactions in India
Specifically to GST - Goods & Services Tax Structure - CASH
LESS DIGITAL
All GST Module to be restricted or Ban CASH Transactions - Restrictions to be
with 2000/- Maximum
4) There should only 2 Taxes i.e. GST & Income Tax
a. All other Taxes must be Removed with effect from
July like TDS, LOCAL BODY TAXES
5) My Specific Request to All - PETROLIUM, OIL, DIESEL & GAS
& Property to Bring in GST Module in JULY
6) ALL PROPERTY to include in GST MODULE with 1 TAX which include (
MRP of Property, All Registrations & include Property TAX & WATER TAX
ETC) 1 Property Number like AADHAR & Rectify the Registration Charges
Registrations. 1 Registration Number for 1 India
All Common Man like Indian is watching this Present PM, PMO & Finance Dept to
get 1 India & 1 Tax for each and every commodity including All Petroleum
Products, OIL and PETROL & DIESEL & GAS
All Common Man who is planning to purchase House/HOME/Property is to be
addressed by Government immediately Now only few of elected
representatives is opposing this major Initiative like GST done by present
Government
In case Government is able to bring Property Policy & Centralized Policy towards
this structure in One Window with Central Government with GST 1 INDIA & 1
Tax for Property Bazaar with All Fees, Registrations, with GST Module, Sanction
& Approvals of Property Project ONLINE Module, the Common Man of India will
definitely Appreciate this Government
NOTE – ALL YEARLY PROPERTY TAX & WATER TAX TO BE MADE
CENTRALISED WITH RERA (REAL ESTATE REGULATORY AUTHORITY) WITH
UNIQUE PROPERTY NUMBER LIKE AADHAR & INTIMATION BY SMS OR EMAIL
TO ALL PROPERTY OWNERS TO PAY TAXES
ONE INDIA ONE GST REGISTRATION STRUCTURE & ONE
REGISTRATION NUMBER
Below Few of the Factors must get Centralized Structure i.e. CASH LESS-
BAN CASH Transactions
ONE INDIA DIGITAL INDIA CASH LESS INDIA ONE TAX
19) One India One Electricity Rate Structure only in DIGITAL MONEY
20) One India One Property Fees –Government Registrations & Approvals
Structure
21) One India One Medical Health Policy Structure - CASH LESS
22) One India One Education Policy Structure Including Fees & Education
Pattern
23) One India One Property Tax & Registration Structure for Tax
Collections & Water Charges
24) One India One Road Tax RTO Structure Fees & registrations Tax
Policy –RTO TAX to be Included in GST Module
Vehicle Registrations to be done along with Purchase Bill from Dealers
Digital Mode Online Registration numbers to be provided along with
Vehicle Delivery. Form Manufacturing Unit of Vehicle or Selling Point
Dealers to be made responsible for Registration of RTO & provide
Registration Numbers in DIGITAL MODE
25) One India One Business One Registrations in GST Number, for example
- Like AADHAR - All India One Registration Number to be
Generated for All INDIA (all other Shop Act or etc must be
stopped/withdrawal/local body state registrations to stop)
26) One India One Parking, Toll TAX, RTO Structure only with DIGITAL
MONEY ONLY
27) One India One TAX GST & INCOME TAX - All other Taxes like
TDS/Local Body TAX/Parking Charge/Toll TAX Etc must be stopped
withdrawn
28) One India One GST Unique Registrations Number all over India
Example AS AADHAR
29) One India One Maximum Retail Price Structure.
30) One India One Agriculture Insurance Policy where without Government
intervention All Agriculture Crop / Production must be Insured & without
Government All Claims of Agriculture Insurance paid to the Farmers
Directly to the AADHAR BASE ACCOUNT DIGITALLY (At present why
government intervention is required to get for All Agriculture Crop
Insurance & Claim settlements) Those who take Crop Agriculture Insurance
Claims must be given by Insurance directly from Insurance Amount
31) One India One Import Policy –Now there is No Standard of Product
measures are available, all dumb poor quality Products are in market
without any Quality CHECK like China duplicate Products, this is very
Harmful now a day’s & Low Quality product will affect strongly with Health
or Environment of India
32) One India One HAWALA/SAVKAR/SAWKAR (Small Hand loan
business/Money Lending Business) This is to be bring in DIGITAL MONEY
MODE COMPULSORY & for ALL OF THEM GOVERNMENT to BAN WITH
CASH TRANASACTIONS (Reasons not to hire unaccounted collections
agents for small Hand loans of Poor people/Farmers for Collections) CASH
is one of the reasons for All Farmers unnecessary incidents.
33) One India One FOOD POLICY to SELL MRP of All Agriculture CROP
34) ONE INDIA ONE PETROL & DIESEL & OIL & GAS PRISES
35) ONE INDIA ONE BUSINESS LOAN or HOUSING LOAN or ALL FINANCIAL
LOAN Products
36) ONE INDIA ONE AGRICULTURE MUNDI and only in DIGITAL CHEQUE
TRANSACTIONS ONLY (CASH LESS STRUCTURE IN AGRICULTURE SALE
OR PURCHASE) WITH CORE BANKING LIKE SBI
This is also to bring to your notice why so many taxes & huge taxes amount are
collected multiply like property or Petroleum products. In case this present
government is different from previous all government, then why Property &
Petroleum GAS /Petrol/diesel products are not in MRP Policy.
Need to include All Property & Petroleum products (GAS/Petrol/Diesel/OIL) in
GST Module with reasonable Taxes & MRP effect, see now most of petrol rates
highest tax collections states al Loot of common people
In among all common Man is highly keeping track on Government & RBI
Business Loan & HOUSING LOAN Rate of Interest Rate Cut. This present
government is acting very differently & uniqueness to reduce Interest rates for All
Loan Banking sectors, very common man is watching now RBI Policy to reduce
Interest Rates.
Highest Interest Rates is the only Reason in India where New Business are not
getting start up & these interest Rates are only the Reasons behind All NPA.
Hopefully this government is Acting effectively to Reduce All Interest Rates
financial Products keep minimum Rate of Interest in All Loans.
To Reduce NPA or Clear Loan repayment –All RBI & BANK Collectively to reduce
Interest Rates Minimum which is to be made easy to take Loans & RePay Easily
to the borrowers
High Interest Rates are only the reason behind India is still Back in the race
countries which is called as Developed Nations
Banking it seems to be Service however Banking become Business moreover
making lot of money & not keeping proper standards of Business, this is very
difficult to understand why so much Interest Rates to a Common Man
This is to also bring to your Notice where all previous Governments are Inactive
in EDUCATION POLICY & at present Education Loans are became biggest Issue
now a days with HIGHEST RATE OF INTEREST. In case this Present Government
is willing to promote EDUCATION POLICY then have to Reduce the EDUCATION
LOAN RATE OF INTEREST MIN as all can take easily & Repay Easily. EDUCATION
LOAN and POLICY TO BE TAKEN in consideration & Act immediately.
EDUCATION LOAN, CENTRALISE POLICY & EDUCATION PATTERN Centrally
PAN INDIA & REDUCE RATE OF INTEREST OF EDUCATION LOAN.
SINCE INDEPENDENCE this is not yet taken by any previous government till Now
Dear Sir
This is to suggest you to Act boldly on below Few Quick Points
1)Need to Regulate Education Sector the Business Factor and high Fees
2)Need Education Policy All India One Education 1 Policy Affordable
3)Need to Regulate The Education Pattern, CBSE Board Like Structure including
FEES Maximum cap
4)Stop Play being CASH Accepted in All GOVT or Private Schools LOOT
5)* FREE EDUCATION LOAN Facility to All Students & Bank must stop high Rate
of Interest Business LOOT in Education Bank Loan
In case Banks are not ready to reduce Rate of Interest Rates, my suggestions to
Government to Act All functions of Bank like Instruct Bank to Reduce Rate of
Interest or Government to Start Giving Low rate of Interest Rates directly from
RBI to borrower in Low rate of Interest (those who keep good repayment Track)
In the Housing Scheme for All PM initiative, this Rate of Interest Rate to be
offered by Banks, Government to All in Business Loan & Housing Loan segments
etc..
Government or RBI to Keep Maximum CASH KEEPING & Handling Limit
MAXIMUM to 1 Lac or 2 Lac, this rule will also help Bank to Reduce Low Rate of
Interests
Now due to Not having Maximum Cash keeping Limit, now All ATM and Bank are
running out of Cash, so this CASH Keeping rule has to be there in Banks, RBI or
Government.
Present Government is moving so good & this is only Hope to do plan develop
India. Hence all suggestions mention above to be implemented this is a request
from our Common Man.
Respected Sir
This is Suggestions to PMO and Finance Department or RBI to Implement Cash Less
Transactions in India
Now This is very surprisingly bringing to your Notice Government is still Not in Favour to
Remove Debit Card or Credit Card Payment Charges
Card Debit or Card Swipe on Petrol pump Etc. Regular Swapping Machine Owners
are still charging 2% of Transactions Amount after Purchase. Don't know Why
Bank Charges for Debit Or Credit Card Payments. as this is very Simple Way to Cash
Less Payments, This seems All Bank not aware of Cash Less Society or Government
not instructions to Waiver of All Swipe Charges
PL NOTE– CHARGES OF CARD SWIP IS WITHOUT BILL, CONSUMER NOT
GETTING ANY KIND OF BILL OF THAT 2% CHARGES WHICH IS CHARGED FOR
SWIPPING –WITHOUT BILL - WHY THIS !!!
Cash Less Payments Hopefully now need to Brief All Digital Payment Structure
Free from All Charges or Taxes For Example
Now Government to Implement Card Swipe Machines in most of Centers example
given below
All Government Payment Structure by Debit Card or Credit Card or NEFT
Mandatory.
In case require CARD SWIP Machines to be supply by government in special
rates to make affordable by small business owners to promote card less
transactions
Maximum below Centers to use Digital Mode Only and Need to BAN Cash on
below Centers
All Petrol pump, Electricity Board MSEB, All NGO-Society/INSTITUTION, All
School or Colleges Govt or Private, ALL EDUCATION CLASSES/PRIVATE
TUTIONS, All Hospitals like Government or Private All Must use Digital Payment
Only, MEDICAL STORES & DRUG BILLING, BSNL or MTNL Counters, BUS STAND
& RAILWAY STATIONS & AIRPORT & ALL TRANSPORTS PRIVATE & PUBLIC. All
Toll Tax Booth Compulsory, All Tax Collection by Digital Payment Structure like
Municipal Corporations & PARKING CHARGES, Toll Tax, Local Tax, RTO -Traffic
Police Receipts Challan, Court Fees Stamps, Bond Papers, All Court Fees by
Digital Payment only, this is most of Locations were Government must ask to
collect Fees be collected by only All Digital Payment Structure Debit Card
Machines Payment Structure Free from Tax and Changes
All Insurance policy Free from All Taxes in Digital Payment Structure (Salary or
Wages including)
IN INSURANCE (LIFE/HEALTH/GENERAL/AGRICULTURE) TO PROMOTE BY
GOVERNMENT DUE TO HIGH GST RATE (OR NEED TO REDUCE GST SLAB) AS
THIS WILL HELP TO GET INSURANCE AFFORDABLE TO ALL COMMAN MAN OR
SOME OF MRP /MAX PREMIUM STRUCTURE
NOTE – ALL SALARY OR WAGES OR ANY GIFT OR ANY PAYMENT IN ANY
COMPANY OR FIRM OR COORPORATES OR GOVERNMENT HAS TO BE IN THE
FORM OF CHEQUE OR DD OR NEFT
All Policy to be made by Central Governments & State or Local Body to
Implements
Now we have some examples where MSEB given authorized Collections Agents
for Electricity Bill Collections in CASH, Collection Agents collected CASH against
MSEB Bill Amount at collection centers. Their After that Collection Agency yet to
pay these collected amount to MSEB/government. That CASH & CASH Collection
person / Agency ran away within 24 hr. this is direct Loss to Government or LOOT
of public money. This unaccountability is very regular and often Maharashtra
Electricity Board MSEB with such incidences like CASH Transactions of public
money. This is one of the reason with Increased High Rates of MSEB Per Unit
Rate Charges
Intent to mention to AVOID CASH COLLECTION AGENCY or PROMOTE DIGITAL
PAYMENT STRUCTURE IN GOVERNMENT ALL LEVELS
The Basis Query from the Common man is why Governments are taking RISK of
CASH Handling (printing) of PUBLIC Money. Need to avoid such incidences. This
applicable to all such Government TAX Collections Agents/authorized
agencies/TOLL BOOTH or even PROPERTY TAX or WATER TAX LOCAL BODY
TAX COLLECTION PARKING Agency/Persons etc..
The Government may ask to Monitor proper TAX collections. However Now in 20-
20 Century at least GOVERNMENT STATE OR CENTRAL Need to stop CASH
Collections at All Level.
Thank you please for your Considerations
Dear Sir.
My Suggestions
1)All Policy to be made by Central Governments & State or Local Body to
Implements
2)All Type of Governance Services Acknowledgement to be Given
3)All Bank to be maid Mandatory to provide ACKNOWLEDGEMENT of All
Application such Loan, Personal Loans, Grievances etc with specified TAT
mention on Ack Number Proper
& Approval or Rejections Letters to All
4)All Type of Government Payments to be maid Digital & Public disclosure by All
5)GOVT must stop play on NA 44 or 45 or PR Card Registration & to be Centralized like
AADHAR ONLINE REGISTRATIONS with Proper Approvals Immediately
Without proper Town Planning –Stop giving permissions to New Projects
*****
6) Compulsory All Agriculture Insurance at All Places in India Must to get Agriculture
Insurance with Link to AADHAR Card
*****
7) All Farmers must be Insurance with AGRICULTURE, GENERAL & HEALTH
/LIFE Compulsory with Government scheme like Pradhanmantri Vima Yojana.
This Agriculture Insurance will Help All Farmers with Insurance Amount for Crop
Loans or any natural Calamity & don’t need to depend on Government for any
kind of interference
Note –This Agriculture Insurance will also resolve many more issues
independently to Farmers to get their Insurance or Loans or any other assistance
8) All Sale or Purchase of Crop like Vegetables, DALs, Wheat, Potato, Onion Etc
(All Agriculture Production/Manufacture) Food Grains Etc. by Farmers by Only
Core Banking system, Purchase or Sale by CHEQUE or DD to be share to All
purchaser or Seller at All Mandi with Core Banking system Only.
All above to be made Central government with proper Acknowledgement Numbers with
Mention TAT of resolutions & Government must intimate by SMS or E Mail to All who
lodge Request/complaint or any issues
