S.O.S e - Clarion Of Dalit - Weekly Newspaper On Web

Working For The Rights & Survival Of The Oppressed

Editor: NAGARAJA.M.R… VOL.8 issue.07…… .12/02/2014

TV9 News: Karnataka CET Medical Seat Allotment Scandal Exposed

www.youtube.com/watch?v=MG5hVPw0vnQ ,

www.youtube.com/watch?v=LKh-YWueYak ,

To,

Honourable Chief Justice of India ,

c/o Registrar,

Supreme Court of India,

New Delhi.

Honourable sir ,

Subject : - PIL Appeal To Honorable Supreme court of India For Writ of Mandamus ATROCITIES AGAINST DALITS IN KARNATAKA BY HONOURABLE GOVERNOR OF KARNATAKA

In Karnataka dalits are oppressed in various ways by the influential people ,

1. In the recruitment process at Karnataka State Open University , vice chancellor / vested interests recruited unfit candidates belonging to their own community sidelining the deserving dalit candidates .

2. In the recruitment process at Mysore University , vice chancellor / vested interests recruited unfit candidates belonging to their own community sidelining the deserving dalit candidates .

3. In the recruitment process at Hassan , Mandya , Mysore & Shimoga Medical Colleges , vested interests recruited unfit candidates belonging to their own community sidelining the deserving dalit candidates .

4. In the recruitment process of KPSC for gazetted officers , vested interests recruited unfit candidates belonging to their own community sidelining the deserving dalit candidates .

5. The Karnataka government officials immediately evict temporary hutments built by tribals , dalits on government land and demolish those hutments. Whereas they allow huge buildings , complexes to be built on government land by influential upper caste people. The government has kept those illegal buildings intact for years , allowed the encroachers to earn lakhs of rupees and now in the process of regularizing those illegal encroachments.

The honourable governor of Karnataka , instead of taking legal action and legally prosecuting the guilty has taken side with the guilty themselves. He has approved AKRAMA SAKRAMA scheme of the government , no action was taken against vice chancellors of KSOU & Mysore University, etc. This is nothing but indirect way of atrocities against dalits , by supporting perpetrators of atrocities.

As a result , Since years unfit people are working as KAS officers , unfit people are working in KSOU , Mysore University , Unfit people are working in medical colleges of Madya / Hassan / Mysore / Shimoga and earning thousands of rupees mothy salary. Influential upper caste people are earning lakhs of rupees as rent from land encroachments and are on the verge of becoming legal owners of encroached lands.

The poor dalits although talented & deserving are without jobs , without livelihood & shelter.

Hereby , we appeal to Honourable Supreme Court of India ,

1. To criminally prosecute government of Karnataka chief secretary & governor of Karnataka , for all the above mentioned recruitment scandals , for their failure of duties.

2. To immediately evict land encroachers & prosecute them.

3. To recover monetary gains made by the encroachers.

4. To terminate the services of unfit candidates selected in the above mentioned recruitment processes.

5. To legally prosecute the recruiting authority officials in all the above recruitments.

6. To make proper appointments with due consideration to dalits , backward class people in all the above institutions.

Date : 01.02.2014 Your’s sincerely,

Place : Mysore Nagaraja. M . R.

To,

Honourable Chief Justice of India ,

c/o Registrar,

Supreme Court of India,

New Delhi.

Honourable sir ,

Subject : - PIL Appeal To Honorable Supreme court of India For Writ of Mandamus

LITMUS TEST for HONESTY of SUPREME COURT OF INDIA

AKrama Sakrama Project itself is an AKRAMA

AKRAMA SAKRAMA / REGULARISATION OF ILLEGAL LAND ENCROACHMENTS ILLEGAL LAND CONSTRUCTIONS BUILDING BYE-LAW VIOLATIONS

KIADB de-notification scandal , BMIC – NICE SCANDAL , MINING SCANDALS and Threats to RTI Applicant

Rich builders , crooks in their greed for more money ( knowing fully well the illegalities ) have constructed buildings on public land , constructed buildings violating the building bye-laws. Now , those crooks are earning lakhs of rupees rental income . The government law enforcement agencies were mum , didn’t demolish such buildings in time , allowing time for crooks to benefit from anticipated regularisation. However the same government agencies have not shown kind consideration to poor people who have constructed temporary hutments on public land . Those hutments were immediately demolished & people evicted. The government is not giving land / livelihood rights to tribal people living in areas bordering forests. The forest officials are slapping charges against tribal people who are living in forests since centuries , where as the same government is permitting resorts , hydel power companies in the same forests.

Whether in the cities , towns or in villages , the backward class people are struggling hard to earn their daily income , daily bread , let alone encroach government land & build a house. Even if they do , the local biggies , political chelas , panchayath members belonging to upper caste will immediately evict them & demolish the illegal structure.

Majority of illegal land encroachments in cities , towns & villages are done by persons having political influence , money power & belonging to majority upper caste communities , in their greed for money , wealth.

These building bye-law violators , Land grabbers are not poor people living below poverty line earning only rupees 32 per day as per planning commission of india. These rich crooks don’t deserve sympathy , kind consideration as they have committed the crime knowing fully well the illegalities and they can bear the loss due to the demolition of their illegal buildings. The government must also recover rent & other monetary gains made out of those illegal buildings by the builder.

The recent move of Government of Karnataka to regularize building bye-law violations & Public Land Grabbers amounts to :

1. Rewards for illegalities , crimes if one is rich.

2. Punishes , demotivates honest law abiding citizens.

3. Double standards in law – one set for rich & one set for the poor.

4. Favoritism of majority upper caste & oppression of backward caste people.

5. Total disregard to safety of people in those illegal buildings .

6. Total disregard to safety of people in the neighbourhood and people using roads passing by those illegal buildings.

7. The government of Karnataka move is a cunning ploy , to regularize illegal land encroachments by upper caste people in the name of helping oppressed backward class people.

8. The Karnataka Governor’s approval of Karnataka Government’s Akrama Sakrama scheme is nothing but appreciation of crime & rewards for criminals.

Hereby , we appeal to Honourable Supreme Court of India to annul the government of karnataka’s move to regularize illegal land encroachments.

Date : 01.02.2014 Your’s sincerely,

Place : Mysore Nagaraja. M . R.

KPSC scam: Hiremath urges CID for report

Convener of the Jan Sangram Parishad and social activist S.R. Hiremath on Friday urged the CID, which is probing the Karnataka Public Service Commission scam, to submit its final report at the earliest.

Addressing presspersons here, Mr. Hiremath said the CID was yet to complete its final report even four months after the submission of the interim report. Though he was full of praise for the comprehensive manner in which the interim report was prepared, he said action against the guilty could not be initiated based on that alone.

He urged the government to show its commitment to providing clean and corruption-free administration by taking action against KPSC former chairman Gonal Bhimappa and others allegedly involved in the scam. He demanded that charge sheets should be filed against them, besides arresting them. He also demanded that assets disproportionate to their known sources of income should be confiscated by the government. “The intention is to not only bring the guilty to book, but also to prevent recurrence of such incidents,” he said.

He urged the government to cleanse the KPSC by remodelling it on the lines of the Union Public Service Commission.

Expressing concern over the allegations that bribes to the tune of Rs. 70 lakh to Rs. 1.5 crore had been collected from the candidates by the KPSC members to give them posts of assistant commissioners, Mr. Hiremath said this would affect the fabric of the State administration.

CID submits report on KPSC recruitment scam

The Criminal Investigation Department (CID), which carried out a probe into the Karnataka Public Service Commission (KPSC) recruitment scam, submitted its report to the Government on Wednesday.

The State Government had ordered a CID inquiry into the alleged irregularities in the selection of candidates for Gazetted Probationers Group A and B posts by the KPSC earlier this year. The Government order came after several candidates complained of corruption in the selection process.

CID sources said the inquiry report was submitted by the Director-General of Police, CID, Bipin Gopalakrishna, to the Chief Secretary and Home Secretary, Government of Karnataka. A copy of the report was also submitted to Director- General and Inspector-General of Police Lalrokhuma Pachau.

CID sources say that a draft chargesheet will be submitted to the government in a week's time to seek sanction for prosecution of the public servants mentioned in the report. After the government approval is received, a formal chargesheet will be submitted to the court.

The CID probe began after the Department of Personnel and Administrative Reforms (DPAR) lodged a complaint with the Vidhana Soudha police against a KPSC member, Mangala Sridhar, and her personal assistant for demanding bribe from an aspirant. The FIR also included the names of former KPSC Chairman Gonal Bhimappa, and two engineers of the Bangalore Water Supply and Sewerage Board (BWSSB).

The FIR was filed following a complaint by Mythri, an MD in Paediatrics and the topper in the ST category in the KAS exams, who had alleged that she was given low marks in the interview after she refused to heed the demand by a KPSC member for a bribe of Rs. 70 lakh for getting the post of Assistant Commissioner (Revenue).

U R Ananthamurthy May Write to Prez over Appointment of V-Cs

The controversy over the appointment of Davangere University vice-chancellor may reach the President of India. Dr U R Ananthamurthy, Chairman of the Search Committee constituted for the selection of vice-chancellor, is thinking of writing to President Pranab Mukherjee over the way the V-Cs are being appointed in the State.

Reacting to the controversy, Ananthamurthy told Express, “I will speak to the Chief Minister about the issue. I want the Chief Minister to take the up the issue, and if he doesn’t, I will take up the issue to President.”

“I know that we cannot change the appointment which is already made. But my wish is it should not happen in other appointments,” Murthy said.

He said he is disappointed with the way some members of the Search Committee behaved. “Some members wanted to send four names in the panel, which is against the rule. When I suggested a senior Kannada professor’s name, one of the members said, we need a person who is capable of bringing money from corporate sector as V-C and not the one who studied literature,” he said.

According to Murthy, some members had decided on who should be the V-C. “It is really an insult to me. I wanted the process to be transparent and merit-based. The Chancellor did not consult the government while issuing the order and the government’s consent was not taken,” he said.

However, when contacted, Prof N S Ramegowda, Governor’s nominee in the committee questioned Murthy’s stand.

“Once the panel report is submitted to the government, the responsibility and the role of the search committee ends. The final decision lies with the Governor as per rules. The Chairman of the committee did not raise any objection when the names were finalised. Why is he going to government now for one person. Is it not lobbying?”

“It’s between the government and Governor. The committee’s work is over,” he remarked.

CM Favours One Candidate, Guv Appoints Another

The Search Committee, headed by Jnanpith awardee and former V-C of Mahatma Gandhi University, Kottayam, U R Ananthamurthy decided to conduct interviews before finalising names for the V-C’s post. The committee met in the first week of November, shortlisted 16 candidates and asked them to come for an interview on December 17 with powerpoint presentations about their views.

After the interview, the committee finalised three names. The first name was Dr Janardhan, second was Dr L Gomathi Devi and the third was Dr B B Kalival. It submitted the list to the government.

Chief Minister Siddaramaiah personally examined this list and considering the social justice and merit, he approved Gomathi Devi’s name and forwarded it to Governor and Chancellor. But on Saturday, without consulting the government or the CM, the Governor issued the appointment order by approving Kalival’s name.

‘I am Hurt’

Reacting to these developments, Gomathi Devi said, “I am really hurt with this. But I cannot question the decision of the Chancellor. I can say that I was capable and eligible (for the post).”

Governor seeks inquiry into Karnataka State Open University irregularities

MYSORE: Based on a request from department of higher education, the governor had directed the ?Governor seeks inquiry, Karnataka State Open University (KSOU) VC to inquire and submit a report on the alleged irregularities in the university on six counts. Issues which should be inquired into include marks card scandal and appointment of 21 regional directors causing illegal expenditure to the university to the tune of Rs 2 crore per annum.

Governor's secretary in his letter written on behalf of the former to KSOU VC had claimed that governor has directed him to seek comments if any in the matter in respect of six allegations.

First allegation is about marks card scandal in which the authorities under the supervision of deputy registrar have tampered the marks cards of degree students. "There are more than 300 incidents of tampering since 2006 to 2010," the letter noted adding that though a couple of officials have been sent home, deputy registrar HL Vishwanath under whose supervision the scandal took place has continued in his service and promoted to registrar's post.

Another major allegation is temporary appointment of 21 regional directors in violation of section 2(9) (3) of the general recruitment statute 2004 of Karnataka Universities Act and hiking their salaries resulting in serious financial burden on the varsity. Appointment and continuation of 21 regional directors is per se illegal, the letter said adding that the action has to be initiated against the concerned accused persons.

Letter also pointed out that KSOU illegally regularized the services of 28 temporary assistant professors in violation of the appointment norms, rules and regulations and these appointments are in contradiction of the UGC rules and directly contravened the Apex court judgment, the letter pointed out.

Letter revealed the bizarre violation of the rules by KSOU authorities in promotion of an electrician and a water supply operator as junior engineers.

Letter raised the issue of mass copying by students in the examinations and said action of the university to open centres outside Karnataka is in direct contravention of the Supreme court judgment in Yashpal case suggesting a detailed inquiry into it.

Governor said VC should send his comments on the issues raised in the letter with in 30 days and if he fails to respond he will be free to take appropriate decision on the irregularities on the basis of the records. These irregularities took between 2006 and 2013.

Hassan , Mysore , Mandya & Shimoga Medical College Recruitment scam

http://www.youtube.com/watch?v=9Qh1QKincqA

Javare Gowda draws flak for ‘misusing' fast

Gandhiji's motives were altruistic, not Javare Gowda's: Chandrashekar Patil

MYSORE: Former president of the Kannada Sahitya Parishat Chandrashekar Patil has lashed out at writer and former Mysore University Vice-Chancellor D. Javare Gowda for defending his son J. Shashidhar Prasad in the university recruitment scandal episode.

Prof. Javare Gowda went on a fast in the city on Wednesday and defended Prof. Prasad, who is at the centre of a controversy surrounding the recruitment process in the university. Prof. Prasad was also Vice-Chancellor of the University of Mysore.

A one-man commission probed the recruitment scandal and pronounced Shashidhar Prasad guilty of violating University Grants Commission recruitment norms. But Governor H.R. Bhardwaj, who is also the Chancellor of the university, stayed criminal proceedings against Prof. Prasad on the grounds that it was illegal.

This resulted in vociferous reactions by students and staff of the varsity.

Pained by the series of agitations, Prof. Javare Gowda said the recruitment of candidates was approved by the university Syndicate and the Registrar, and hence, all had to shoulder collective responsible for the process.

This stance has incensed teachers.

Prof. Patil, who addressed a press meet here on Thursday, criticised the move to undertake the fast. “Being a senior writer, Prof. Javare Gowda should have maintained a dignified silence instead of blindly defending his son. Mahatma Gandhi used fasting as an instrument to pursue a noble cause, but Prof. Javare Gowda used it to serve a selfish end,” he said.

Prof. Patil, along with film actor Lohitashwa, staged a demonstration at Gandhi Square in condemnation of the fast.

Mr. Lohitashwa said the Governor should direct the Government to invoke the provisions of law against Prof. Shashidhar Prasad and uphold the sanctity of the University of Mysore.

Prof. Patil also took a dim view of a few writers who supported Prof. Javare Gowda and said the latter's love for his son was understandable, but the support of the writers was incomprehensible. Prof. Patil said if those responsible for violating recruitment norms in the university were not punished, a Statewide agitation would be launched.

ABVP plans Manasagangothri bundh tomorrow

Mysore, August 14, DH News Service:

Akhila Bharathiya Vidyarthi Parishat (ABVP) has called for Manasagangotri bundh on August 16 urging the State Government to file a criminal case against former vice-chancellor of University of Mysore, Prof Shashidhar Prasad for recruiting 162 persons by flouting rules and regulations.

In a press release here, K Vasanthkumar, divisional organising secretary of Mysore Division of ABVP said Prof Shashidhar Prasad, during his tenure, filled up 162 posts in teaching and non-teaching categories by not following any prescribed rules and regulations.

This is a biggest scandal and has been a black spot in the history of University of Mysore. The deserving candidates belonging to the SC/ST, backward classes and minorities, had been denied jobs. An committee headed by retired judge of Karnataka High Court, H Rangavittalachar, constituted to probe the allegations, has given a report that irregularities has been committed in the appointment of 161 persons. Besides, the committee had stated that roster has not been violated by the varsity.

Subsequently, the government directed the varsity authorities to book a criminal case against Prof Shashidhar Prasad.

He said later, the incumbent Governor Hans Raj Bhardwaj, has written a letter to the vice-chancellor, Prof V G Talawar not to book criminal case against Prof Shashidhar Prasad. The governor who talks of corruption in mining, is trying to shield Prof Shashidhar Prasad who has been indicted by the inquiry commission. This has given room suspicion about the style of functioning of the chancellor’s office.

He said their demands are; filing criminal case against Prof Shashidhar Prasad, cancellation of all 162 appointments done by him, starting recruitment process afresh, action against members of Academic council and Syndicate who were equally responsible for recruitment.

The ABVP has planned post card campaign on this issue. It has requested all the students to send post cards to President Pratibha Patil seeking her intervention and directing the government to proceed with the criminal case against Prof Shashidhar Prasad.

Probe into lapses in medical college recruitment

Guilty will be punished, says Sharan Prakash Patil, Medical Education Minister, Karnataka.

Medical Education Minister Sharan Prakash Patil has said that he will order a time-bound probe into the alleged irregularities in the recruitment process in government medical colleges in Hassan and Mysore two years ago.

It is alleged that posts in the these medical colleges were filled during the tenure of Ramachandre Gowda as Minister for Medical Education in the BJP government without approval from the Finance Department.

Dr. Patil told presspersons here on Tuesday that Mr. Ramachandre Gowda resigned following the controversy but the officials concerned were not booked. Though an inquiry by the then Additional Chief Secretary was ordered, it did not take off as the officials had retired by then, he added. “I was surprised by the way the issue was handled. I will apply my mind and order a time-bound probe. The guilty will be punished,” he said.

Similarly, another scam — the submission of fake certificates in the Mandya Institute of Medical Sciences (MIMS) — would be handed over to the Lokayukta, to abide by the recommendation of the committee headed by Gururajan, he said.

It is alleged that four senior staff members of MIMS produced fake experience certificates to get jobs in violation of regulations.

On the Rajiv Gandhi Super-Speciality Hospital Raichur, popularly known as OPEC hospital, which was closed down a year ago, he said that the government was particular about retaining the hospital in the government sector.

“If there is a technical problem, then will we think of having a private partnership,” he said.

Efforts are on to revive the hospital. A report had been sought from the hospital director on the condition of building and medical equipment. “Based on the report, the building would be refurbished. A sum of Rs. 1.20 crore has been set aside for this,” he said.

A walk-in interview would be held to fill vacant posts, he added.

With the contract between Apollo Hospitals and the government expiring, OPEC hospital closed down on June 1, 2012.

Eight persons accused in Dalit atrocity case in jail

The Nangli police in Kolar district on Wednesday arrested all the eight persons accused in a recent case of atrocities on Dalits at Kagganahalli in Mulbagal taluk. All of them were produced before court which remanded them in judicial custody till February 6, Mulbagal Deputy Superintendent of Police T. Siddaiah told The Hindu . The arrested were lodged in the sub-jail here. The situation in the village is peaceful now, Mr. Siddaiah added.

The Nangli police registered a case following a caste abuse complaint lodged by Nagabhushan, one of the members of four families which were facing boycott, on January 21.

Shankara Reddy, Keshavappa, Suresh, Krishna Reddy, Anjaneya Reddy, Srinivas, Narayanaswamy and Munivenkata Reddy are the arrested. A police team arrested the accused when they were on their way to get bail from court.

Boycott

Four Dalit families of Kagganahalli accused that upper caste people imposed a social boycott on them, prompting Social Welfare Minister H. Anjaneya to visit the village a couple of days ago. Mr. Anjaneya then warned that social evils such as boycott of Dalits cannot be tolerated and that action would be taken against the culprits.

MLA G. Manjunath, Inspector-General of Police of Civil Rights Enforcement Directorate Nanjundaswamy, Deputy Commissioner D.K. Ravi and Superintendent of Police Ram Nivas Sepat accompanied Mr. Anjaneya.

PRACTICE OF UNTOUCHABILITY BY EDUCATIONAL INSTITUTIONS IN INDIA
- VIOLATION OF HUMAN RIGHTS OF DALITS

In india , rich people belonging to forward castes form educational trusts , proclaiming that they want to serve the society by providing education to all irrespective of caste or creed. By this declaration they get Civic Amenity sites from government authorities at concessional rates. Further they get tax , duty
exemptions on materials , machines they import for the educational institution. However , while admitting students they are purely commercial minded , the highest bidder gets the seats.

IF AT ALL THE SOLE AIM OF THESE INSTITUTIONS IS COMMERCIAL – LET THEM BE REGISTERED AS COMMERCIAL BODIES , ASK THEM TO GET SITES AT COMMERCIAL MARKET RATES , ASK THEM TO PAY TAXES ON
MATERIALS , MACHINES & THEIR YEARLY INCOME. ENFORCE MINIMUM WAGES ACT , GRATUITIES ACT , P.F & ESI ACT TO THESE INSTITUTIONS WHO ARE PAYING A PITTANCE TO THEIR STAFF.

Some institutions like industrial training institutes ( I.T.I) , polytechnics , engineering colleges & medical
colleges run by trusts floated by forward castes lack basic infrastructure , to teach students properly , they only appoint staff belonging to thier castes. Dalits , minorities , weaker section people are not at all selected. They don't publicly advertise for vacancies. They fill all posts with thier own caste people & finally even get government grant in aid. How ? These institutions are getting affiliations , yearly approvals form the government , how ? actually they should have been shut. These trusts want government backing for tax exemptions , lands at concessional rates ,monetary benefits , etc , however the same trusts are not willing to implement the social welfare objectives of the government , by providing seats to weaker sections , by providing appointments to dalits few posts in all category of positions ( not just group D - dalits are also brilliant & capable of performing all jobs, they have proved it ).

Hereby , we urge honourable prime minister of india , government of india & honourable chief minister of karnataka , government of karnataka to :

1. before giving lands at concessional rate , tax exemptions , to any educational trusts the government must ensure that the trust must adhere to the social welfare norms of the government from day one.
2. Before giving affiliations to educational institutions the govt must ensure , are the institutions are providing sufficient infrastructure to students ?
3. Before giving grant in aid to any institution , the government must ensure have the management provided jobs to dalits , minorities , etc as per norms from the day one . if not grant in aid should be
rejected. Here there is no meaning in giving reservation of jobs in future appointments in those institutions , as all the posts are presently filled with forward castes , there is no expansion projects.
So , dalits have to wait for another 30-40 years to get the vacancies in those institutions after the retirement of forward caste employees , which is not at all practical or realistic .
4. In karnataka state , numerous Industrial Training Institutes ( ITI) have mushroomed , some don't even have basic infrastructure. Still they are running the show , how ? these ITIs run by forward caste people have appointed only their caste people to all posts , not even a single dalit is there. Still they have got government grant in aid , how ? we urge honourable chief minister of karnataka , to look into this & in future to provide grant in aid in aid to only those I.T.Is which have proper infrastructure & dalits , weaker section employees on their pay-rolls.
5. To order all educational institutions to make public announcement of vacancies in their institutions even though not covered under grant in aid , as they have already taken sufficient monetary
benefits from the government.
6. To order all educational institutions , to admit students as per government rates of fees. Some institutions are fleecing higher fees from the students , but are giving receipts for lesser amount only.
7. If any educational institutions don't agree with the government norms , those institutions must be asked to be registered as commercial bodies , no tax exemptions , lands at concessional rates ,
allotment of CA sites should be given to them by the government.

By these measures alone poor & weaker section people will get justice . you are aware of merited but poor students committing suicides year after year , CET fiasco - due to their financial inability to join medical or engineering colleges. Numerous similar cases are there with regard to admission to ITIs .
polytechnics. The greed & casteism of these educational institutions is reigning high. In the positive hope that you will be kind enough to put an end to this menace.

ELIMINATE MANUAL SCAVENGING BUT NOT SCAVENGERS

- an appeal to honourable supreme court of India

In India, since independence certain affirmative actions by the government like job reservations , reservations in educational institutions , loan facilities , etc are extended to the backward class , oppressed people. However , the persons who have economically, socially become stronger on the basis of these government affirmative actions are not letting their own brethren – scavenging community to utilize the same. The politicians are just making noises about sub caste reservation for scheduled castes & tribes , but doing nothing. As a result , today we find some sub-castes & tribes of SC / ST better off than their previous generation, some other sub-castes & tribes of SC / ST are reeling under utter poverty , social ostracism , etc.

A human being can be in a civilized form , healthy - if we have scavengers to clean our toilets , drainages , if we have barbers to cut our hairs. The very same people who keep us healthy & civilized are not treated in a civilized manner by the society , why ? most of the town municiapalities , city corporations are employing scavengers on daily wages without any statuotary benefits & are paid less than the statuotary minimum wages. every towns & cities in India are bursting with population growth , however the number of scavengers has not been increased in proportion to the growth of population , In most of the cases the existing scavengers are overburdened with the work load. , Most of them are suffering from occupational health hazards , are dying at young ages leaving their families in the lurch.

Hereby, we appeal to honourable supreme court of India to treat this as a PUBLIC INTEREST LITIGATION & to order government of India , all state governments , statuotary bodies

1. to regularize the jobs of all scavengers , to provide all statuotary benefits like ESI,PF, etc.

2. to take all necessary steps to eradicate manual scavenging – carrying human excreta on heads.

3. to take all necessary steps to protect their health & occupational safety.

Bottomline : all the citizens , the society must learn to respect their brethren who keeps them healthy , tidy & civilized. JAI HIND.VANDE MATARAM.

Your's sincerely,

Nagaraj.M.R.

KSOU ready to face any probe: Vice-Chancellor

Karnataka State Open University (KSOU) Vice-Chancellor K.S. Rangappa has said the university is functioning well within the powers assigned to it under the KSOU Act.

Rubbishing allegations made by Medical Education Minister S.A. Ramdas that the KSOU had signed memorandums of understanding (MoUs) with dubious institutions to impart higher education, Prof. Rangappa said here on Tuesday that all transactions of the university were done in a transparent manner.

“The KSOU is prepared to face inquiry by the CID or even the CBI,” he said at a press conference here.

(The State government on May 11 ordered a probe by the Criminal Investigation Department (CID) against the KSOU in the backdrop of allegations of conducting technical and paramedical courses illegally.)

Mr. Ramdas has alleged that the KSOU did not obtain the permission of the Medical Council of India (MCI) to start paramedical courses in association with a certain institution here.

Prof. Rangappa said the collaborative institution had to obtain permission from the MCI, and not the KSOU. He said he was unaware as to why he was being “targeted” by Mr. Ramdas.

“Arbitrary and misleading” statements from persons holding responsible positions in the government could only tarnish the image of the KSOU and jeopardise the academic future of the over 3 lakh students enrolled with the university, he said.

The KSOU had entered into collaboration with over 100 institutions to impart distance education after the Governor, the Chancellor of the university, approved the statues.

The MoUs were signed with the institutions later. The KSOU was empowered to enter into contracts as well as recognise any institution of higher learning or studies for such purposes, the Vice-Chancellor said.

Prof. Rangappa said an expert committee would inspect the institutes to ascertain their credibility in terms of imparting higher education. Based on the committee report, the Academic Council of the KSOU would accord recognition for such institutions for collaboration, he said. The Governor had sought all details from the KSOU in the matter and he would submit them soon, Prof. Rangappa said.

The charge that more than 1 lakh paramedical students were “cheated” by the KSOU since the collaborative institutions did not exist was also not true as there were not more than 40 students enrolled in such courses, he said.

However, the Distance Education Council (DEC) had asked the KSOU to stop the B.Tech. course, but the university had moved the court, Prof. Rangappa said.

If the collaborative institutions failed to function, complaints could be registered with the KSOU. Contracts with such institutions could be terminated in the interest of the students, he added.

Registrar of the university B.S. Vishwanath and deans T.D. Deve Gowda and S.N. Vikaram Raj Urs were among those present.

University of Mysore’s new V-C facing a slew of allegations

Saturday, January 12, 2013 - 10:01 IST | Place: Mysore | Agency: DNA

DNA Correspondent

Be it charges of plagiarising his research thesis or pulling strings for his son’s college admission, rangappa has a lot going against him.

KS Rangappa, who was appointed as the vice-chancellor of University of Mysore on Friday, is facing the following charges:

Plagiarism
Rangappa has been accused of plagiarising a Osmania University research paper, published in an Indian journal, in October 2009 and getting the same published in an international science journal within a year.

Osmania University’s professors from the chemistry department - G Vijayalakshmi, M Adinarayana and P Jayaprakash Rao - had prepared a research paper ‘Kinetics of oxidation of adenosine by tert-butoxyl radicals: Protection and repair by chlorogenic acid’ in 2008. The paper was sent to Indian Journal of Biochemistry and Biophysics on July 16, 2008, and revised on August 10, 2009. It was published in its edition of October 2006 (Volume 46).

Rangappa allegedly published the same paper in an international journal, Journal of Physical Organic Chemistry (Europe), in its April 2010 edition, with his name along with those of MN Kumara and DG Bhadregowda in addition to the names of the original authors. Besides that, the address for correspondence was that of Rangappa’s.

DNA had published a detailed report regarding the issue in its March 10, 2011 edition. Following the report, a PIL was filed at Mysore district court. The case is still pending.

Favouring his son
Rangappa’s role in favouring his son in order to get him admitted to Yuvaraja’s college was proved by a syndicate sub-committee constituted by the university syndicate. In 2006 Rangappa favoured his son Shobith to get a seat at Yuvaraja’s college by decreasing the eligibility to 45% when the actual eligibility was 55%. Surprisingly, Rangappa was one of the members in the committee constituted to take decision on decreasing the eligibility.

Shobith, who had not cleared his second PU exams, cleared them by taking the supplementary exam. After the announcement of supplementary exam results, the eligibility was brought down to 45%; some days later, the admission eligibility was raised again to 55%. By this time, Shobith had secured admission.

Dissent note by Thimmappa
Dissent note on the inclusion of professor KS Rangappa’s name in the panel for the post of vice-chancellor of Mysore University made by the search committee in its meeting held on January 4, 2013, reads:

1. A writ petition Nos. 11444/2012(GM-PIL) filed by Sri. KS Shivaram with serious allegations against professor Rangappa is pending before the high court of Karnataka and hence until the case is disposed off in favour of Professor Rangappa, it is prudent on our part not to consider him for the post of V-C at this stage.

2. Professor Rangappa is already functioning as vice-chancellor of KSOU and as there is no dearth of well-qualified candidates for the post of vice-chancellor in the large number of universities under general education, there is hardly any justification to consider professor Rangappa again for a second term. Incidentally, the KSU Act, 2000, ordains only one term for vice-chancellor.

Hence—Thimmappa MS, member, search committee, has stated—I am against including Prof Rangappa’s name in the panel.

Govt orders criminal cases against ex-VC of Mysore varsity

Bangalore, June 11, DH News Service:

The State government has ordered filing of criminal cases against former Mysore University Vice-Chancellor J Shashidhar Prasad for violating government and university rules while recruiting teaching and non-teaching staff.

This is the first time that the state government has given the go ahead for filing of criminal cases against a former vice-chancellor. The 162 appointments made during Prasad’s tenure are now in a limbo. The State government has issued directions to University of Mysore to file criminal charges against the former V-C as per Section 8 (4) of the Karnataka Universities Act, 2000.

In a separate order, the Government has sought details on the appointments made during Prasad’s tenure and their present status. Following complaints of violation of norms during the university recruitment process, a one-man commission headed by retired high court judge H Rangavittalachar was appointed to inquire into the allegations. The report submitted on September 30 last has been accepted by the government and on Wednesday gave the go ahead for filing criminal charges.

The Rangavittalachar commission had found that Prasad violated the University Grants Commission rules and the State government’s reservation policy while awarding marks during selection of candidates to the posts of professors, readers and lecturers during 2006-07.

In addition to the department-wise break-up of appointments made, the State government on Wednesday also sought from the university residential addresses of the appointee. According to highly-placed sources, notices would be served on these appointees shortly. Further action would be taken based on their responses.

Minister defends
Minister for Higher Education Arvind Limbavali said that the move was taken only after careful consideration of the issue. “We had an inquiry ordered to look into the matter. Only after considering this the Government has filed the criminal charges against the ex-Vice Chancellor,” he said.

Vice-Chancellor of VTU failed in 7 semesters

The head of Karnataka’s premier technical education umbrella institution, Visvesvaraya Technical University (VTU), failed in seven of the ten semesters of his undergraduate degree course in mechanical engineering.

He finally managed to pass the course, but only after many attempts, adding up to a total of 25 marks sheets. He now heads a university which has 200 engineering colleges functioning under it. And the HighCourt is looking at his claims that he passed in first class. The stack of marks statements of his shows that he passed only 3 semesters of the 10 without failing in any subject, making repeated attempts to pass some of the papers in the rest of the semesters. He could pass two subjects of the seventh semester only after he passed the 9th and 10th semesters.

While Maheshappa completed semesters nine and ten in 1982, he reappeared for two subjects of the seventh semester – machine design I and estimating, specification and engineering economics – in March 1983. In the ninth semester too he failed in two subjects – metrology and automatic control engineering – in Feb/March, 1982 and he cleared these papers along with the 10th semester.

Student at the Government BDT College of Engineering, Davangere affiliated to University of Mysore, Maheshappa obtained a post-graduate degree and doctorate from Bangalore University, where it was not mandatory to submit a degree certificate while seeking entry to a PG course or doctoral programme.

It is not mandatory for a person to have a first class degree to become a VC, but Maheshappa has been accused of making false claims before the search panel that selected him to head the VTU for three years from 2010. While he has claimed that he has a first class degree in BE, those who have filed a public interest litigation in the High Court have alleged that he has just a second class degree, and contrary to his claim did not guide any PhD student.

The University of Mysore, during 1980s, used award an engineering degree based on the scoring of the last two semesters. Maheshappa’s 10th semester marks card (August/September 1982) mentions that he obtained second class. He failed in two subjects and his total scoring was 393 out of 775.

He passed the subjects later. In the final semester, he secured 830 out of 1400. While the university awarded him second class going by the marks he had scored in the first attempt, he has claimed that after the second attempt he made in the 9th semester, the percentage crossed 60 per cent.

Copies of the marks cards, obtained under the RTI, show that the University seems to have committed an error in the column indicating ‘Total Marks’.

While the ‘Total Marks’ for the 9th semester was 775 in the statement of marks of Feb/March 1982, the same is shown as 770 in the final semester marks sheet, where both marks scored in 9th and 10th are mentioned.

The total scoring of two semesters stands at 830 out of 1400 (59.24 %). But it should be 830 out of 1425 (58.24%).

Maheshappa, in the CV submitted to the search committee, had stated that he had ‘guided’ four PhD students. But a document obtained under the RTI from VTU on January 5, 2012 has stated that no student has been awarded PhD under his guidance but he is only ‘guiding’ four students.

K Balaveera Reddy, two-time vice chancellor of VTU, told Deccan Herald: “Any university will go by the marks obtained by a student in the first attempt. The marks obtained by making subsequent attempts to clear a paper are not taken into consideration while declaring class or rank. In case of VTU, the last four semesters aggregate is taken into consideration for declaring class.”

KU scandal: Probe reveals murky links

Every year, the accused involved in the fake marks cards and answer scripts scam in Kuvempu University, “earned” lakhs of rupees through their illegal deeds. With the investigation taking shape, police have found answers to various questions like where did this money go, how was it utilised and more.

However, the police are perplexed as to why the University has not maintained the details of its answer sheets, blank marks cards and holograms, which were stolen by the accused. Interestingly, the accused have maintained detailed records in dairies and note books on the money and answer scripts received.

During the second raid, police recovered more documents on financial transactions and other details like the number of answer scripts received from a particular agent, registration numbers and the amount received from the agents. The documents collected by the police also reveal how the money was spent in the last two years. Main accused Devaraj invested more than `8 lakh in 10 chit-funds ranging from `1.5 lakh to `10,000 every month, which was mentioned in the dairy of his wife. They have also purchased gold jewellery and pasted the receipts on each page of the dairy.

Devaraj is a group-D contract employee. Now the police are discussing with legal experts and senior police officers on how to recover that amount, police sources said.

A senior police officer told Express that the recovered blank answer scripts, marks cards and hologram are not fake. But the University is behaving as if it does not know anything about this. It is not bothered about how many blank answer scripts, marks cards and holograms had been stolen from the University. During examinations, each examination centre would be given the answer papers and the in-charge of the examination centres should return the remaining answer scripts, which should match the total number of copies, to the University after the examination.

Investigation should also be conducted on whether the accused have stolen the answer scripts while transporting them back to the University or had stolen them from the University itself. If the examination centre in-charge had given the correct details of thecopies, then the University store keeper will have to face the music. Otherwise, the examination centre in-charge would also be held responsible for the scam, the officer said.

Degree certificate tampering scandal hits BU

Even while the Rajiv Gandhi University of Health Sciences (RGUHS) is battling allegations of tampering of marks cards, Bangalore University (BU) has a similar problem in its own backyard. The varsity recently discovered that the degree certificate of a former student was fraudulently given away to another person during BU’s 41{+s}{+t}mini convocation .

Explaining the case, BU Registrar (Evaluation) R.K. Somashekhar said B. Sujatha, who graduated in 1998, took her marks card from the university but did not apply for her B.Ed degree certificate. When she finally did apply for a provisional degree certificate last year, BU authorities unearthed the scam where her degree certificate (bearing her register number) had been given away to another person named Joshwa Samuel. While the university has now withdrawn the degree given to Mr. Samuel and reconfirmed that the degree belonged to Ms. Sujatha, the whereabouts of Mr. Samuel is still not known.

The 30 Billion Dollar Medical Seats Scam

Fury gripped the grass-roots medical fraternity today as they vented their anger on Twitter's hashtag#SaveNeetPG in relation to the “Cash for Medical Seats” scandal. On the 3^rd April 2013, the CNN-IBN admirable sting operation caught the following on camera in relation to “medical seats for sale”:-

• Medical colleges sell seats defying the Supreme Court order
• Officials demand Crores for Postgraduate medical [PG] seats
• Money Trumps merit: Will Future Doctors be incompetent?
• Legitimate students paid lakhs to vacate PG seats
• How colleges hire docs to fudge medical inspections
• Find out why your child may not get admission to medical college
• Medical seats for sale: Are colleges producing dummy docs?
• CNN IBN uncovers black market for PG medical seats

India's medical fraternity have demanded that the government acts immediately over this obvious corruption. One Indian doctor [ @DoctoAt Large] wrote

“You can't expect doctors paying 3 crores for PG seats to be ethical with patients. Start by eliminating corruption in admissions”

Following the sting operation, CNN-IBN submitted the film to the Medical Council of India [MCI]. Sadly, all authorities have been lethargic. The MCI's position on this issue is currently unknown. There has been no robust statement of reassurance to the media or the public. This is entirely unacceptable. Despite this clear and present danger to the public, the MCI refused to have a plan or be pro-active in this issue. Are they out of their depth?

Indeed, the true extent of threat to public safety not yet known, considered or addressed. This is broadly an unacceptable and shocking situation. The government and the MCI appears relatively unconcerned about the potential threat to patient safety. Moreover, it is unknown how many doctors have “bought their way” through medical school. The true extent of medical incompetence is also unknown. Moreover, this may have international implications as the number of doctors from this group may also be working abroad.

The current Health Minister appears relatively unconcerned about the potential for high mortality rate and threat to patient safety this may have led to or may indeed lead to. Moreover, this calls into question the number of competent students unlawfully rejected from medical school/post graduate education in favour of the elite who can pay their way through anything. The MCI and the current government' supine attitude to this serious problem raises the question as to whether they are implicated or complicit in these unlawful activities.

Buying a place in medical school is becoming a easy gateway to status, power and financial security. Long gone are ideas of patient safety and integrity. Clearly, the good doctors who have tirelessly worked hard against these serious obstacles will object to this unlawful behaviour that places the Indian medical fraternity under public scrutiny. How can the public now trust India's medical establishment with their lives? These activities will be causing an erosion in public confidence.

It is interesting that in April 2010, the President of the Medical Council of India [MCI] was arrested by the Central Bureau of Investigation for taking a Rs 2 crore bribe to recognise a medical college in Punjab. The CNN-IBN investigation had also demonstrated how a cartel led by this man flouted the normal procedures of the MCI with the intention of making money. Moreover, students lacking a background in science were given places on MBBS courses and colleges with no proper infrastructure were granted licenses. At that point, the government had apparently dissolved the MCI and replaced it with a board of governors, but the situation has not changed at all.

To demand some kind of accountability, CNN-IBN Live's Mr Rajdeep Sardesai swung into action from his usual cricket viewing and dog walking to take another bite at this story. He questioned former MoS Health Minister Dinesh Trivedi on this matter.

Mr Trivedi admitted that every year more than $30 billion was involved in “buying” medical seats. During the interview he claimed that 100 or so medical colleges were being controlled by politicians and were involved in selling their PG medical seats. “The “big money goes to 100 colleges” Mr Trivedi said.

Trivedi blamed the conduct of the politicians saying

“It is the job of the government to create capacity whether in terms of hospitals or in terms of medical colleges, You just have many medical colleges, just like you've done for engineering colleges. Now there are no capitation fees. This is the gap that is created purposely kept”.

Former member of the Dental Council of India, Dr Usha Mohandas added

“It is a kind of well-established cartel. It is a beautiful network. The world can learn a lot from how strong this networking has been established for a wrong purpose. I would want the ministry to take absolute responsibility because the process of started and ending this is with the ministry, the other people in between are just via media. The ministry cannot wash its hands off and say that these are autonomous. If you ask the regulatory, they say we don't know anything you know, the minister asks us to do the same. This passing of the buck has to end.

All this is not new of of course. Over the last three years, CNN-IBN has been reporting on the corruption in the top most echelons of the Indian medical establishment with no action taken by the government.

The TV channel wrote

“CNN-IBN has also been showing how medical education regulators have been approving sub-standard medical and dental colleges and allowing them to flourish. The apathy, however, is leading to production of dummy doctors in the country”

Other incidences include as follows - In 2009, the Times of India reported that MBBS seats were being sold for Rs12 lakhs-40 lakhs by two private colleges in Chennai. At the time, the price of the seats were Rs 2 crore in radiology while Rs 1.5 crore for cardiology, gynaecology and orthopaedics. The hike in price was due to the reduced number of places available that year for the 32,000 graduates from medical school.

Times of India wrote

“Another senior expert, who has held prestigious posts at the national level, says he has urged the UGC to hold centralized examinations like JEE for admissions to both MBBS and PG courses. ``It's a national shame to commercialize education. Besides, death of merit affects the quality of medical education. When money is paid, these colleges ensure that the exit is definite. The students pass, qualified or not,''

By 2011, the Central Bureau of Investigation arrested a doctor from Karnataka in the PGIMER seat for sale scam. This was the sixth arrest at the time. The mastermind's main area of operation were Karnataka, Maharashtra, Madhya Pradesh, Punjab and Haryna - where he along with his partners would text individuals for various examinations offering a seat for a certain price. The price of the seats ranged from Rs 20 lakh to Rs 80 lakh. Allegedly, seats were offered for AIIMS New Delhi as well.

In October 2011, Bangalore Police announced “A racket in sale of medical and dental seats for sums ranging from Rs 75 lakh to Rs 90 lakh has been busted in Karnataka with the arrest of 11 persons belonging to two gangs”. There were more complaints of medical seat fraud in Bhopal where a woman was arrested for allegedly taking money in exchange for medical seats.

By 2012, the CBI had been investigating more complicated allegations of medical school seat scam. This particular scam was elaborate involving a Tollywood producer.

The Indian Express wrote

“We are looking into the role of doctors in collusion with the accused and medical seat aspirants,’’ the sources said. Police suspect that the main accused collected huge amounts of money from the medical seat aspirants. “With the tainted money the producer is planning to make more movies in the near future,’’ a source said.

Of course, these are the few stories that were reported. There must be thousands of incidents that have not made it to the public eye. It is clear that corruption is widespread in India's medical training system. For now, we know that this is allegedly a $30 billion dollar scam, with the involvement of politicians who yet remain unnamed. While the current Health Minister passes the buck onto the MCI, it is interesting to note that he cleverly diverts the public gaze from the politicians who may well be ultimately responsible for this scandal. The MCI have no powers to hold politicians to account.

Not only have they placed the public at risk but the government faces allegations of illegal discrimination on a mass scale.

We do not know how long this unlawful behaviour has been ongoing, nor do we know the extent of incompetent unqualified people who have been allowed into medical school and have been allowed to practise in India or abroad.

We do not know how many patients have died as a result, nor do we know the true scale of this scam. If individuals can “pay” their way into medical school, to what extent does this dishonesty extend? Is this dishonesty at dangerous levels now given the endless lists of health related scams in India. The current health minister had limply stated that there would be an audit on health related scams “We have to have audits in future to check health-related scams, including NRHM scam”. So that would be the corrupt assessing the corrupt leading to a erroneous result then.

Lastly, how many innocent people are suffering because of the utterly shameful behaviour of the current government of India? The “Cash For Medical Seats” Scandal joins the endless list of Indian Scandals that the government has swept under the carpet by building a cosmetic façade of innocence.

The question is, how many people will die as a result?

NB Congratulations to the CNN-IBN team and their boss Rajdeep Sardesai for their superb sting operation and determination in exposing this wide ranging scandal.

Author : Dr Rita Pal, Follow her twitter.com/dr_rita39

DVS alleges marks card scam in RGUHS, seeks Lokayukta probe

Leader of the Opposition in the Legislative Council, D V Sadananda Gowda on Thursday said that a massive marks card scandal was continuing in the Rajiv GandhiUniversity of Health Sciences (RGUHS).

Citing instances of two students, one of whom is from the Rajarajeshwari Medical College, Bangalore, Gowda said the university has been passing students, though they had failed in some subjects. Such a thing is happening at all the colleges affiliated to RGUHS, he added.

Gowda said that Harshitha of Rajarajeswari Medical College had failed in anatomy and physiologypapers in June 2012 examinations. Subsequently, she went for a re-totalling of the marks of the two subjects, but was again declared failed.

“However, when the marks cards were issued by the university in December 2012, Harshitha had passed in the two papers,” he said.

Appeal

The former chief minister appealed to the medical education minister to order a Lokayukta probe into the marks card scandal, which he said, is not limited to one or two students but involved several hundreds.

JD(S) leader M C Nanaiah said the government must study whether the administrative authorities of the university will come under the ambit of the Lokayukta Act before ordering any inquiry. Gowda also claimed that a Rs 266-crore scam had taken place in Karnatak University, Dharwad.

DAMAGES PAYMENT / SHOW-CAUSE NOTICE TO GOVERNOR RESERVE BANK OF INDIA

I don’t know whether secretariat staff of RBI office & DARPG / DPG officials are forwarding my appeals for justice , e-mails to you or not. They will be held accountable for their lapses if any. This notice is against the repeated failure of constitutional duties & indirect collusion with criminals by previous RBI Governors. Notice is served against them , to the office of RBI GOVERNOR , NOT personally against you. At the individual level I do whole heartedly respect your honourableself.

In india democracy is a farce , freedom a mirage. the most basic freedom RIGHT TO INFORMATION & EXPRESSION , is not honoured by the government,as the information opens up the crimes of V.V.I.Ps & leads to their ill-gotten wealth. The public servants are least bothered about the lives of people or justice to them. these type of fat cats , parasites are a drain on the public exchequer . these people want ,wish me to see dead , wish to see HUMAN RIGHTS WATCH closed . so that, a voice against injustices is silenced forever , the crimes of V.V.I.Ps closed , buried forever.

To my numerous appeals , HRW’s appeals to you ,you have not yet replied. It clearly shows that you are least bothered about the lives of people or justice to them .it proves that you are hell bent to protect the criminals at any cost. you are just pressurising the police to enquire me ,to take my statement, to repeatedly call me to police station all with a view to silence me.all of you enjoy “legal immunity privileges” ,why don’t you have given powers to the police / investigating officer to summon all of you for enquiry ?or else why don’t all of you are not appearing before the police voluntarily for enquiry ?at the least why don’t all of you are not sending your statement about the case to the police either through legal counsel or through post? you are aiding criminals ,by denying me job oppurtunities in R.B.I CURRENCY NOTE PRESS mysore , city civil court ,bangalore , distict court , mysore ,etc & by illegally closing my newspaper.
there is a gross, total mismatch between your actions and your oath of office. this amounts to public cheating & moral turpitude on your part.

1.you are making contempt of the very august office you hold.
2.you are making contempt of the constitution of india.
3.you are making contempt of citizens of india.
4.you are sponsoring & aiding terorrism & organized crime.
5.you are violating the fundamental & human rights of the citizens of  india and of neighbouring countries.
6.you are violating & making contempt of the U.N HUMAN RIGHTS CHARTER  to which india is a signatory.
7.you are obstructing me from performing my fundamental duties as a  citizen of india.

8. As a result of your gross negligence of constitutional duties you have caused me damages / losses to the tune of RUPEES TWO CRORE ONLY.

you are hereby called upon to Pay damages to me and SHOW-CAUSE within 30 days , why you cann’t be legally prosecuted for the above mentioned crimes .

If i am repeatedly called to police station or else where for the sake of investigations , the losses i do incurr as a result like loss of wages , transportation , job , etc must be borne by the government. prevoiusly the police / IB personnel repeatedly called me the complainant (sufferer of injustices) to police station for questioning , but never called the guilty culprits even once to police station for questioning , as the culprits are high & mighty . this type of one sided questioning must not be done by police or investigating agencies . if anything untoward happens to me or to my family members like loss of job , meeting with hit & run accidents , loss of lives , etc , the jurisdictional police together with above mentioned accussed public servants will be responsible for it. Even if criminal nexus levels fake charges , police file fake cases against me or my dependents to silence me , this complaint is & will be effective.

if anything untoward happens to me or my dependents , the government of india is liable to pay Rs. TWO crore as compensation to survivors of my family. if my whole family is eliminated by the criminal nexus ,then that compensation money must be donated to Indian Army Welfare Fund. afterwards , the money must be recovered by GOI as land arrears from the salary , pension , property , etc of guilty judges , police officials , public servants & Constitutional fuctionaries. Thanking you. Jai Hind , Vande Mataram.

Date : 29.01.2014……………………………………………..your’s sincerely,
Place : Mysore , India………………………………………….Nagaraja M R

SOILED NOTE FRAUD CASE @ RBI BANGALORE
- Trauma of an old man

Complete case details also available at http://members.lycos.co.uk/ganapathihariram/

As per allegations of RBI management Bangalore in 1977-79 , criminal
nexus of RBI employees stole Rs. 220000 from RBI Bangalore. All the
banks , government treasuries in Karnataka , submit defaced / soiled
currency notes to RBI Bangalore in exchange for good notes. RBI after
collecting such defaced currency notes , sorts out fairly good notes
which can be reissued & burns off the remaining totally defaced
currency notes. All these process is done in a systematic manner.

As per allegations of the management , the crime took place in the
period of 1977-79 at RBI Bangalore. A nexus of employees, took away
the currency bundles meant for destruction & substituted it in the
place of bundles of reissuables.

Charge sheet issued by RBI Bangalore office to mr.G.Hariram
Staff no.3698/156/84-85 dt 1 april 1985
Amended charge sheet staff no 3798/156-84/85 dt 8 april 1985

CBI has charge sheeted 17 employees in connection with this case ,
case olde no. cc34/1989 new no. sc 436/1991 . the
honourable 21 city additional city civil & sessions court Bangalore in
it's order dated 24.01.1992
discharged 03 charge sheeted employees , as the prosecution
failed to prove the charges against them. They came out clean , as
they were innocents saddled with the crime done by others. One of the
charge sheeted employee who turned approver for the prosecution, has
given detailed account of the crime. Nowhere he has mentioned the
involvement of accussed no.15 mr.G.Hariram in the crime.

Even after coming out clean, mr.G.Hariram was not reinstated into
service by RBI. They gave the ruse of domestic enquiry & showed
contempt to the court order. On appeal, the honourable high court of
Karnataka ordered RBI to review it's order with respect to
mr.G.Hariram , still RBI failed to reinstate mr.G.Hariram into service
, once gain showing contempt to the court of law.

In India as per law , the decisions of court of law are binding on all
, orders of court over rides the organisation's internal rules ,
service rules , etc. inspite of lack of evidences, in a whimsical
manner the higher authorities of RBI , fixed some innocents as the
scape goats heaped all charges against them ( against whom they had
personal grudge , dislikes ). RBI repeatedly showed contempt to the
court orders , dismissed the scape goat - ailing old man mr.G.Hariram
from service. RBI snatched away his PF money towards the alleged loss
to the bank , didn't pay his gratuity amount , salary arrears and
finally he was even deprived of the pension. As a result , the old man
has even lost his social prestige, dignity , his family suffered a lot
& he is a mental wreck today.

Why RBI authoroties are hell bent upon to send away the innocents /
scape goats away from service ? why CBI didn't conduct polygraph tests
of all the accussed , specifically higher officers of RBI , managers
of RBI office Bangalore ? probably the scape goats were aware of the
crimes master minded by higher ups & didn't co-operate with the higher
ups in their crimes. So, the criminals were afraid that the scape
goats will blurt out truth to the world , fixed non co-operating
innocents themselves as criminals.

Who will give justice to innocents like old man mr.G.Hariram & who
will bell the corrupt , criminals , fat cats of RBI ?

“There is a higher court than the court of justice and that is the court of conscience It supercedes all other courts. ”
- Mahatma Gandhi

Salary of Chief Justice of India Rupees 100000 per month & salary of supreme court judge Rupees 90000 per month plus 5 star heritage bungalow , 5 star air / train travel , 5 star health care facility , etc all at tax payers expense

Hunger Deaths Malnutrition Deaths Poverty Earning Less than Rupees 32 per day

Honest Hard Working Child Laborers Earning Less Than Rupees 32 per day

Corrupt Dishonest Criminal Public Servants Earning More than Rupees 5000 per day Murderers of Justice

Ill-gotten Wealth of Corrupt Public Servants

Murderers of Justice Shame to You

Follow me at
http://www.facebook.com/people/Nagaraj-Mysore-Raghupathi/513253184 ,
http://www.amnesty.org/en/user/naghrw ,
http://twitter.com/naghrw ,

APPEAL UNDER SEC 19 (3) OF RTI ACT 2005 OF GOVERNMENT OF INDIA & GOVERNMENT OF KARNATAKA

APPLICATION FOR INFORMATION AS PER RTI ACT 2005
( SEE RULE 22 OF RTI ACT 2005 )

FULL NAME OF THE APPLICANT : NAGARAJ.M.R.

ADDRESS OF THE APPLICANT : NAGARAJ.M.R.,
EDITOR , E-VOICE OF HUMAN RIGHTS WATCH,
# LIG-2 / 761, OPP WATER WORKS OFFICE,
HUDCO FIRST STAGE, LAXMIKANTANAGAR,
HEBBAL, MYSORE , KARNATAKA
PIN – 570017.

DETAILS OF DOCUMENTS / WRITTEN STATEMENTS / INFORMATION REQUIRED :

HEREBY , I DO HUMBLY REQUEST YOU TO GIVE ME WRITTEN STATEMENTS /
ANSWERS TO THE FOLLOWING QUESTIONS - WHICH IN ITSELF ( ie answers )
ARE THE INFORMATION SOUGHT BY ME.
WITH RESPECT TO CASE NO old CC34 / 1989 & NEW NO SC436/1991 AT 21
ST ADDITIONAL CITY CIVIL & SESSIONS COURT BANGALORE

CHARGE SHEETED OFFICER MR.G.HARIRAM RBI BANGALORE

CHARGE SHEET NO staff no.3698/156/84-85 dt 01.01.1985

Amended charge sheet staff no.3798/156-84/85 dt 08.04.1985

1. Why didn't you notice the alleged crimes of 1977 , 78 & 79 till the
mid of 1979 ?

2. This crime came to light only due to anonymous phone calls of good
Samaritans to authorities , but not due to your inspection . is your
inspection division working properly ?

3. why there is no security check up of officers during entry & exit
out of premises ?

4. why there is no individual weighment , individual statement of
value of bags of reissuable notes & bags of note meant for destruction
, after sorting is done, why they are not tallied with total weight ,
value of notes issued for sorting ?

5. Immediately after noticing the crime, why did not you transfer all
the employees of those sections ?

6. why did not you take steps to preserve3 & protect respective
documents relating to such high profile crime ?

7. why didn't you immediately issue charge sheet to all the accussed &
waited till 1983 ?

8. Why RBI has left out , so many officers ( who worked in the same
sections for more period than accused officers ) from domestic
enquiry ?

9. why CBI also failed to put those people in the charge sheet before
the court ?

10. is it because they were in favorable terms with the vested
interests ?

11. did the CBI dance to the tune of vested interests in RBI while
preparing charge sheet & during investigation , instead of
independent investigation ?

12. those left out probables from the charge sheet might have caused
the destruction of evidences / records. During the course of domestic
enquiry / court proceedings , it has been recorded that some records
have been destroyed. Are not CBI & RBI responsible for destruction of
evidences , aiding true criminals get away ?

13. in normal times , what is the period specified in RBI regulations
for preserving old documents / records ?

14. after noticing such a high profile crime the RBI must have taken
utmost care to preserve such old records for indefinite time , for
producing before courts of law as & when demanded. But it didn't ,
why ?

15. does not this point to connivance of higher authorities of RBI ,
with the criminals ?

16. RBI authorities have conducted domestic mass enquiries , instead
of individual enquiries , is it not detrimental to the rights of
defense ?

17. RBI authorities have stated that court proceedings & domestic
enquiry are independent of each other & are not binding on one
another. However RBI authorities straight away took on record of
domestic enquiry the court statements , evidences , but didn't honour
the order of same court of law ? why this double standard by RBI ?

18. The alleged crime was committed in 1977-79, but charge sheet was
framed in mid 1985 , why this long delay ?

19. didn't this facilitate the masterminds of crime to destroy ,
manipulate evidences ?

20. as stated before court , indeed some records , 22nd currency note
packet were missing , who is responsible for it ?

21. has the CBI conducted enquiry , polygraph test of RBI higher
officers - S.N.RAZDAN , W.S.SARAF , J.P.AWASTHI , J.MITRA & others ,
if not why ?

22. is it not due to inefficiency , negligence of duty by such high
ranking managers , that such a crime occurred in RBI Bangalore ?

23. what disciplinary action RBI has taken against the inefficient ,
negligent higher officials ?

24. whatever internal rules an organization makes must be within the
line of law. If such internal laws of the organization are violative
of law , fundamental rights of employees , such internal rules become
illegal. Are not the way of RBI disciplinary proceedings illegal ?

25. as per RBI pension regulations 1990 , RBI has the right to deduct
any loss caused to the bank , from the pension of RBI employee if the
misconduct of employee is proved in judicial proceedings . even though
mr.G.Hariram came out clean from the court , why RBI has denied his
pension ?

26. judicial courts of law are appellate authorities over & above ,
domestic enquiry committees & judicial orders supersedes the domestic
enquiry proceedings. Still RBI showed contempt of court & didn't
reinstate mr..G.Hariram into service , why ?

27. even if an employee's misconduct causing loss to the bank is
proved , before denying him pension (towards making up loss to the
bank) , previous sanction of the central board of RBI must be taken.
But in mr.G.Hariram's case , pension was denied in full without taking
previous sanction of the central board of RBI , is it not illegal ?

28. RBI alleged that mr..G.Hariram caused loss to the tune of Rs.14000
to the bank & recovered it from his provident fund dues. There was
nothing left over to recover , still RBI completely denied pension to
mr.G.Hariram , why ?

29. ideally, domestic enquiry findings / disciplinary actions should
be completed first , then the employee can appeal to appropriate court
of law. In mr.G.Hariram's case , CBI & RBI failed to prove the charges
in court of law , as a result court discharged him from the charges.
To cover-up it's failures RBI management dragged domestic enquiry much
beyond court orders date & gave findings indicting mr..G.Hariram. does
the enquiry officer of domestic enquiry think that he is over & above
the court of law ? is it not illegal & contempt of court ?

30. ideally , RBI authorities should have appealed to higher court
against lower court order discharging mr.G.Hariram from charges. But
it was not done , why ?

31. did the RBI pay interim relief to mr.G.Hariram , during suspension
period ?

32. the undue delay in filing charge sheet , consequent destruction of
key evidences , dishonour / contempt of court orders , undue haste in
giving findings , dismissal , denial of of pension without central
board's sanction , all point towards criminals within RBI higher
management. What disciplinary action has been taken against
J.P.AWASTHI, S.N.RAZDAN,J.MITRA, W.SARAF & others ? if not why ?

33. why charge sheet was amended? Is it legal ?

34. did the charge sheet was amended to falsely implicate
mr..G.Hariram , by including cancelled note vault in the charge
sheet ?

35. does not this itself show that it is not statement of actual
happenings / facts , but a cunning ploy to mislead investigation
towards fixed innocents from actual criminals ?

36. is it true that that only 5% of sample inspection is done out of
bundled verified defective note packets ?

37. is not the conduct of joint / mass enquiries of all charge sheeted
officers illegal ?

38. how come such an important evidence 22nd note packet went
missing ?

39. is it because it may point towards real criminals ?

40. as per the statement of management witness / inspection head /
expert mr.vijendra rao , the notes of earlier dates have been removed
from packets made into new bundles , right ?

41. as per his statement , entire certificates , seals of some asst
treasurers are there , who didn't work at all on that day is not it ?

42. does not it show that some body else was misusing the seals ,
putting some innocents seals over the notes ?

43. does it not show that , crime has taken place at verification
section ?

44. does it not show involvement of some asst treasurers ?

45. why asst treasurers have not been charge sheeted ?

46. why inspection of RBI Bangalore office was not done between 1975 &
1979 ?

47. is it not true that you failed to produce all records showing
internal inspection / audits , during domestic enquiry & court
proceedings ?

48. your expert mr.vijendra rao has stated that some seal marks are
smudged , he has stated some seal marks appears to be so & so. He has
clearly nowhere stated that this seal mark is exactly this , so he
himself is not 100% sure ?

49. your expert nowhere said that 100% sure this seal mark is this ,
on that day this seal was issued to mr.G.Hariram , isn't it ?

50. your expert says during 1975 , he didn't notice3 any fraud.
However approver says fraud was there before mid 1977 also. Why no
action has been taken ?

51. why you didn't produce all records of all persons , who have
specifically worked in alleged sections , the registers of those
departments with daily activity report containing seal nos , packet
nos , bag nos , etc ?

52. are not their chances of some criminals putting the seal marks of
innocent officers over the notes , bundles , bags , etc ?

53. your expert is not 100% sure of seal mark , your records are not
there to prove the presence of charge sheeted officers in the alleged
sections , neither your expert nor your records are 100% sure on what
date , at what stage , by whom crime was committed , isn't it ?

54. is not the charge sheet amounting to higher ups picking up
officers they dislike & falsely implicating them ?

55. is it not cunning ploy of higher ups to divert attention from
original criminals ?

56. why no action was taken against currency officer of 1977-79
mr.J.Mitra ? why his pension , super annuation benefits were not
withheld ?

57. what is your justification , supporting evidence , records for
picking up only three officers including mr.G.Hariram for legal
prosecution and leaving the majority of probables ?

58. why you have dropped charges against five asst treasurers ? why
you didn't even conduct domestic enquiry against them , let alone
legal prosecution ?

59. Is it RBI's & CBI's way of fair play & justice ?

60. as inly 5% sampling of verified note bundles are done , there are
more possibilities of rebundled packets getting unnoticed in relaxed
95% lot , isn't it ?

61. you have left out so many officers who worked in those sections,
some of whom even became management witnesses , instead of being
charge sheeted by the management, is it fair play & legal ?

62. who are the bank employees , from whom you have recovered the
alleged bank loss of Rs.220000 ?

63. were all of them charge sheeted , enquired , legally prosecuted ,
dismissed & their pension , gratuity withheld ?

64. you don't have any internal statuotary records to prove that
mr.G.Hariram worked in those departments , except a currency officer's
office note dated just on the eve of charge sheet years after the
alleged crime ? does it not prove that this note has been concocted
just to fix mr.G.Hariram ?

65. where as you have records of other officials attendance in those
departments , but not charge sheeted them why ?

66. three officers of staff grade A daily work in three sections out
of 40 officers , why you have picked up only mr.G.Hariram , out of
1095 working days , he has worked for only 223 days in those
sections , still those officers who worked for more days in those
sections are not charge sheeted why ? the approver , the management
expert witness , shift registers , V2 registers , Destruction
certificates , Form CD 55 , etc , nobody , no records were able to say
on what date , at what stage , by whom crime took place , also they
were unable to say on what date at what stage crime was committed by
mr.G.Hariram ? is it not futile imagination , cunning ploy of RBI
higher authorities to fix innocent Mr.G.Hariram ?

67. the management expert witnesses said , the most probable place of
crime is punching / Cancelled Note Vault , incinerator , where asst
treasurers were joint custodians . they were not enquired & let off
why ?

68. the charge sheet alleges extraction / substitution of
defaced note packets. Where as the management expert witness say
substitution of defaced notes only ? is not there difference between
loss of one number of note & 100 number of notes ?

69. as per the normal course of duty , staff officers does not
count notes in each bundles , but they just count the number of
bundles only. Is not there chances of inserted note bundles or bundles
containing less number of notes going unnoticed ? is it not the
failure of statuotary system of work practices ?

70. does not all these prove higher authorities of RBI & CBI
were hell bent to fix mr.G.Hariram & to shield the original
criminals ?

Questions with respect to other cases :

71. how do you monitor the work of bank officials nominated as
directors of companies which have availed bank loans ?

72. how do you monitor the work of companies , in which banks
have invested ?

73. how do you monitor the rapid wealth growth of certain bank
officials , who work in shares investment / equity funds section ,
etc ?

74. inspite of project reports by bank officials , over
assessment of collateral securites / value of debtor companies by bank
officials , the loans become NPAs & full value cann't be realized in
the market by selling off the assets of debtor companies also. In such
cases , what action is taken against erring bank officials who collude
with criminal industrialists for availing higher amount of loan than
permissible ?

75. give bankwise specific figures of NPAs.

76. give names of industrial groups / promoters whose
companies have become NPAs , so that public can be aware of them ,
before investing in new companies promoted by them.

77. is not collection of loan from debtors of bank through
rowdies / recovery agents , illegal ?

78. why not criminal complaints filed against bank mangers for
aiding , abetting rowdism , murdering people ?

79. if your method of employing rowdies to collect loans of Rs.
10000 from commoners is right , what would you do to a promoter of a
debtor company to recover loans of crores of rupees , supari killing ?
but debtors of crores of rupees is let off coolly by banks , why ?

80. what is the exact amount of loss caused to the exchequer
by karim lala telgi who printed fake stamp papers ?

81. what action has been taken against those involved ?

82. have you taken action against all those mentioned by telgi
during narco analysis test , if not why ? is it because they are
powerful & bigwigs ?

83. how you are controlling the illegal finance activities ,
money lending by individuals , pawn brokers & chit fund companies ?

84. how you are monitoring the receipt of public donations ,
foreign donations by many NGOs ?

85. how many erring NGOs , chit fund companies , pawn
brokers , individuals you have booked for illegal finance activities ?

Questions relating to RBI CURRENCY NOTE PRESS MYSORE

86. who were responsible for selling the good printing machine at
security press nasik to scamster karim lala telgi as scrap ?

87. who recruited the candidates below merit rankings in R.B.I for
what criminal roles ?

88. how many irregularities have taken place in R.B.I till date ?

89. who is responsible for installing, operating & supervising the
security set-up in R.B.I ?

90. how the raw materials ie number of paper sheets, ink, etc are
accounted for in inward stores & while issuing for printing ?

91. how wastages, scrap of ink , papers , etc in the printing process
are accounted for?

92. How the finished goods ie currency notes are accounted for ?

93. Who keeps physical figures & possession of goods, inventory of
all the above?

94. How the scrap paper is disposed off ?

95. From security angle who keeps track from start till dispatch ?

96. Give me the merit ranking list of all candidates for the
post of stores assistant in BRBNMPL in the year 1995-96 ?

97. give me the merit ranking list of all candidates for the
post of process assistant at BRBNMPL in the year 1996 ?

98. give me the merit ranking list of all candidates for the
post of process assistants & maintenance assistants at BRBNMPL in the
year 1996-1998 ?

99. is not RBI & BRBNMPL authorities created by statuotary
laws , fully funded by public money ie from government exchequer ?

100. still why BRBNMPL & RBI refused to answer my previous
information request as per RTI Act ? are you afraid that skeletons
will come out of cubboard ?

101. what action initiated against the SBI branch Bangalore & SBI
Overseas branch for loss of cheque / draft amounting to crores of
rupees ? if not why ?

102. give me specific figures bank wise with respect to loss caused
to the bank by loss of cheques or demand drafts , etc ?

103. how RBI is containing crimes of loss of cheques / DDs causing
huge losses to the banks to the tune of crores of rupees ?

YEAR TO WHICH ABOVE PERTAINS : MAJORITY OF DOCUMENTS PERTAINS TO YEAR
1988 onwards . SOME OF THE DOCUMENTS ARE DATED BACK TO 1947.

FEES PAID : IPO NO 63E 318935 FOR RUPEES TEN ONLY Favouring CPIO RBI
HQ MUMBAI

PUBLIC INFORMATION OFFICER FROM WHOM THE INFORMATION IS REQUIRED :
V.S.DAS , CENTRAL PUBLIC INFORMATION OFFICER , O/O HONOURABLE
GOVERNOR, RBI HQ , CENTRAL OFFICE , AMAR BUILDING ,
P.M.MARG ,MUMBAI-400001.

Date : 01.11.2008 Your’s sincerely,
Place : Mysore Nagaraj.M.R.

FINANCE SCAMS IN INDIA & 5-STAR LEADERS WITH BEGGING BOWL

In " mysooru mithra" a kannada daily dated 15/06/2005, the editor has
written about a copy of the complaint made by Transparency
International India-Bangalore to central vigilance commission of
india.

In indian banks , there is a strange practice that whenever a cheque
is put before the clearing house by a bank, the clearing house sends
that cheque to the service branch of bank paying. The service branch
then sends that cheque to the appropriate bank branch
for deduction of cash from the cheque account. In this travel , if the
cheque is lost or misplaced midway, the service branch pays out of
it's suspense account to the cash collecting bank. Logically,
afterwards the service branch must initiate a thorough inquiry, get
authentication from both persons one who gave cheque & other who
collected cheque. Finally, the money must be transferred from the
account of cheque giver to the suspense account.

However , upto 1997 two branches of state bank of india in bangalore &
overseas branch sufferred from frequent loss of cheques totally
amounting to RUPEES THREE THOUSAND TWO HUNDRED CRORE. In all cases of
cheque loss the bank has paid out of suspense account, totally
amounting to Rs.3200 crore. However the bank has not
initiated any enquiry to recover that amount from the cheque givers.

In the 1997 internal audit report of the bank itself , this has been
clearly pointed out. Till date, even the central vigilance commission
has not initiated any action about it. A member of central vigilance
commission happens to be ex-chairman of state bank of india.

It is just an instance of two branches of SBI, what about hundreds of
branches of SBI, what about thousands of branches of other public
sector,private sector & co-operative banks. It is fraud,fraud,fraud
all the way. Few months back to cover-up the crimes
of global trust bank ( GTB) , it was taken over by oriental bank of
commerce ( OBC).
While sanctioning a loan of just Rs.10000 to a common man , he has to
comply with lengthy legalities. If he defaults, bankers breath down
his neck, bankers send rowdies in the form of recovery agents to
humiliate the common man & his properties are
auctioned-off, finally all dues to the last penny are recovered. In
most of the cases bankers even force the defaulters to commit suicide.
However influential persons easily gets loans amounting to hundreds of
crores of rupees, coolly defaults, siphons-off the funds & shuts his
shop. No recovery at all , just it becomes a non- performing asset
(NPA) in the bank ledger. The total NPAs of all public sector banks is
more than Rs.80000 crore. This burden is spead over the crores of
hapless indians.

The government takes pride in murdering forest brigand veerappan. The
ill-gotten wealth of veerappan is not even pea nuts before this huge
amount. Remember past finance scams – MS SHOES, HAWALA, HARSHAD MEHTA
SHARE SCAM, KETAN PAREKH SHARE SCAM, UTI, etc. totally in all these
scams billions of dollars of public money have gone to the coffers of
criminals. These scamsters put veerappan to shame in their turnover.
However the government is not even exhibiting a fraction of it's
ELIMINATE VEERAPPAN DRIVE against these scamsters, why?

In india, both central & state government tax/ revenue officials are
neck deep in corruption. By, taking bribe they make lower assessment
of income, gains, etc & spare businessmen from the tax payment. The
government in return for favours received from
lobbies, gives tax exemptions to them at it's sweet will. All these
scams & it's cover-ups are insider jobs. The government is not
interested to collect, recover it's own monies
amounting to billions of billions of dollars every year. However our 5-
star leaders living at the expense of tax-payers, go-on foreign jaunts
with a begging bowl for a few lakhs of dollars. What a shame?

More than 50 billion indians are barely surviving on a single meal per
day & hundreds are dying due to starvation, billions don't even have
basic necessities of life. If the government even just collects a
fraction of it's dues from scamsters, defaulting industrialists –
people won't die of hunger in india. Has this enlightened our thick
skinned netas ?

Editorial : Crimes @ Reserve Bank of India
- An appeal to SUPREME COURT OF INDIA & central information commission

Ref no. RTI APPEAL via web DPG/B/2008/80341

RBI is a public authority , set up by an act of parliament. Numerous
irregularities , illegalities , crimes have taken place at RBI , still
it is fully covered up by those in influential positions.

Just refer “Oil for Food Money in Iraq scam ” and “ Vostro Account Scam of 1990s”. Influential people are involved , everything happened under the noose of RBI , With the connivance of RBI officials ?

We requested the CPIO of RBI HQ for information as per RTI Act ( our
letter dt 20th September 2008 ) about various issues concerning the
activities of that institution in whole. However the CPIO OF RBI HQ
through his letter no.DAPM.CO.RIA.4001/07.50.01/2008-09 dt October
03rd 2008 declined to give information citing certain ruses. ( RBI Ref
no. RIA 798/2008-09 )

He has stated that some information pertains to security press ,
nashik & note press at mysore. True , both those institutions are
fully owned subsidiaries of RBI , hence RBI is in a position to
answer. Still , RBI can transfer a copy of our RTI Application to
those authorities as per provisions of Sec 6(3) of RTI ACT 2005. CPIO
didn’t do that.

One more ruse of CPIO of RBI is that , I am seeking his views /
opinions on issues concerning RBI activities. He is wrong , I am
seeking to know the official / legal stand of RBI regarding it’s
activities for example , appointment of rowdies as loan recovery
agents by banks , etc. CPIO has failed to state the official stand
regarding various activities of RBI.

One more ruse given by CPIO of RBI is that I have raised many issues ,
to be specific 103 questions on various topics concerning RBI , giving
information on all those diverts the resources of authorities , hence
information request is denied. TRUE , information sought is many , so
do the crimes @ RBI which are also many. When compared to magnitude of
crimes @ RBI which is 3-4 times the entire budget outlays of Indian
government to the tune of crores of rupees , the resources spent to
ascertain information as per our RTI Application is just few hundreds
of rupees. When compared to the money spent by RBI officials by way of
TA / DA during their travel , etc, our information request resource
needs are peanuts.

To sum up , CPIO of RBI is hell bent to protect the criminals @ RBI
lest the truth comes into open. Hereby , we request the honourable
Supreme Court of India & central information commission to order the RBI to give us truthful
information in whole , so that justice is given to those victimized &
fat criminals are sent to gallows. JAI HIND. VANDE MATARAM.

Read the article "Crimes @ RESERVE BANK OF INDIA" @ http://theftinrbi.blogspot.com/
, http://theftinrbi.rediffblogs.com/ , http://theftinrbi.wordpress.com/

Your’s sincerely,
Nagaraj.M.R.

The hawala trail

PRAVEEN SWAMI

BRITISH officials are investigating the activities of one of the most prominent overseas backers of secessionist groups in Jammu and Kashmir. Last month, the United Kingdom's Charities Commission and the Metropolitan Police began looking into allegations that Ayub Thokar, the head of the World Kashmir Freedom Movement, had funnelled funds raised for charity to the terrorist groups.

Investigations into Thokar's role in funding terror began after Indian officials handed over evidence in the case to their British counterparts in June. The two Indian officials from the Ministry of Home Affairs and a senior Jammu and Kashmir Police officer made available details of funds funnelled from Thokar's charity, Mercy International, through Standard Chartered Grindlays Bank (since then renamed Standard Chartered Bank) and the Development Credit Bank. The investigators also provided transcripts of telephone intercepts and cases filed against the recipients of the funds in India.

On May 25, a long-running Intelligence Bureau operation led to the arrest of Srinagar-based journalist Imtiaz Bazaz. Officials claim that he was a key conduit for transferring funds to Hizbul Mujahideen field commanders in Jammu and Kashmir. On April 22 Bazaz had received a foreign currency remittance of Rs.4,84,875 into his account with Standard Chartered in New Delhi, and on May 15 a second remittance of Rs.14,98,000 into the Development Credit Bank. Although intelligence officials monitored the first transaction, they did not intervene, in the interest of building up evidence. The second transaction was frozen.

The funds trail led straight to Thokar. It transpired that in early 2001, Hizbul Mujahideen chief Mohammad Yusuf Shah had sent Rs.48 lakh to Jamaat-e-Islami leader Syed Salahuddin through Thokar. Subsequently, after the arrest of Jamait-ul-Mujahideen finance commander Qasim Faktu, Thokar began to finance his organisation through the terrorist's wife, Asiya Indrabi. Most of the funds were routed through Bazaz, who arranged for the transfer of funds received in New Delhi to accounts held with the Jammu & Kashmir Bank in Srinagar. Cash was then paid to the final recipients.

Meanwhile, Income Tax Department investigations against All Parties Hurriyat Conference (APHC) leader Syed Ali Shah Geelani have started to bear fruit (Frontline, July 5, 2002). The secessionist leader claimed an annual agricultural income of Rs.10,000 in his tax returns, and also received the official pension of Rs.85,200 due to two-term MLAs - ironically enough for a man now at the cutting edge of the secessionist anti-election campaign! His expensive house in Hyderpora, however, had several cars parked there and the household was run by a personal staff of 14 people. The monthly kitchen expenses amounted to Rs.25,000. Income Tax Department searches of the Geelani home also yielded Rs.10.25 lakhs and $10,000 in cash. Income-tax officials have now decided to impose penalties of Rs.30 lakhs on Geelani, based on his estimated income over the last six years, the maximum period allowed by law. His businessman son-in-law Altaf Ahmad Shah, who allegedly used his legitimate operations to launder funds, has been slapped with a Rs.40 lakhs penalty. Failure to pay could lead to the auctioning of Geelani's assets, including the Hyderpora home.

Separate income-tax penalties of Rs.2 crores have been imposed on businessman Abdul Rashid Saraf, who was allegedly involved in handling hawala funds sent to APHC chairman Abdul Gani Bhat. Saraf, income-tax authorities found, had failed to disclose income of Rs.3.37 crores over the last six years.

The vigour that the Income Tax Department has shown in this matter marks a welcome departure from the past. After it was driven out of Srinagar in the later 1980s by mobs that attacked income tax inspectors, the organisation had granted de-facto independence to the State. This time, two planeloads of officials flew into the Avantipora Air Force base and they were escorted to the raids by police officers. Their successes seem to have convinced the Income Tax Department that it is after all possible to play a useful role in Jammu and Kashmir.

In the U.K., both Mercy International and Thokar will now have to answer some hard questions. For one, there is no explanation why the organisation did not send supposed philanthropic donations to the several-dozen charities in Jammu and Kashmir which have clearances under the Foreign Exchange Management Act. Thokar will also have to explain how he paid for the purchase of his London home, and his regular overseas travels, given the fact that he has no ostensible means of income. India has, however, chosen not to seek Thokar's extradition, since the fact that his wife is a U.K. national makes this outcome unlikely.

For India, British action in this case will be a key test of its loudly-advertised anti-terrorist stance. In March, sources told Frontline, Deputy Prime Minister L.K. Advani had handed over to British Foreign Secretary Jack Straw a dossier on the activities of secessionist groups in the U.K. Titled 'Misuse of British Soil by Kashmir Expatriates Based in the U.K. for Funding Terrorism in J&K', the document outlined many of the charges which investigations have now added substance to. Sources say the team that visited the U.K. pointed to Straw's promises to crack down on terrorism-related money laundering, and were told that criminal prosecutions would take place in the U.K. Earlier, the U.K. successfully prosecuted two Khalistan-linked British nationals involved in backing the Babbar Khalsa International.

If funds transfers to terrorist groups are effectively cut off, it will do not a little to cripple such organisations. The reasons are simple. While it is easy to send cadres across the Line of Control, actually sustaining their activities in Jammu and Kashmir needs an elaborate financial structure. Money is needed to pay for everything from food and shelter to informants, political support and the legal defence of arrested sympathisers. Since it is impossible to lug sacks full of cash across the LoC, illegal funds transfers come into play. For many businessmen in the Kashmir Valley, holding such cash for short terms has been a profitable, risk-free enterprise. Now the penalties imposed should persuade conduits for blood-money transfers that crime does not, in fact, pay.

Al-Qaeda routing money to India via Europe

New Delhi, Mar 6: European countries are being used as hot destinations by terror group al-Qaeda to route money to India, according to a report by Peruvian Financial Intelligence Unit (FIU).

The report said the FIU had found at least one case of such suspicious transaction by al-Qaeda every month and shared them with the US investigators.

"The FIU also reports tracking cases similar to that of an OFAC-designated (US Office of Foreign Assets Control) of al-Qaeda element moving money from Europe through Lima and on to India," the report leaked by Wikileaks, a non-profit media organisation dedicated to bringing important information to the public, quoting FIU head Enrique Saldivar disclosed.

"Asked if this al-Qaeda case was the first of its kind or they had seen similar cases before, Saldivar told NASOff that they see about one case a month," the cable said.

The FIU receives and analyses STRs, may request additional information relevant to cases or operations related to money laundering or terrorist financing, provides Financial Intelligence Reports (FIR) to the Public Prosecutor's Office, participates and/or requests joint investigations, and coordinates with foreign FIUs and entities.

"Of the 7,710 suspicious activity reports examined by FIU analysts in 2009, 781 resulted in financial intelligence reports sent to the Public Ministry for further processing and investigation.

"Based on these 781 intelligence reports, the FIU concludes more than 3 billion USD moved illegally through Peru''s financial sector in 2009," it said.

"83 per cent of this amount, according to the FIU, is related to drug trafficking. The other 17 per cent is reportedly related to fiscal fraud, corruption and illegal gun dealing. Currently, 308 of these intelligence reports are at various stages of investigation and prosecution in the legal system as compared to four cases in 2008," the cables read.

According to Saldivar, anti-money laundering efforts in Peru are hindered by several factors.

StanChart prospectus quiet about cases

Mumbai: Standard Chartered Plc, (StanChart) which is set to hit the market with the first ever issue of Indian depository receipts (IDRs) on 25 May, has not disclosed many pending cases against it for alleged violation of foreign exchange remittance norms in the draft red herring prospectus submitted to the capital markets regulator.

The alleged violations—17 transactions of drafts, one telex transfer and two cash transactions—go back to 1991-92, when the Enforcement Directorate (ED) found a series of forex violations made through the bank’s Mumbai branches to the UK.

ED is a government agency that looks into foreign exchange transactions.

The violations were discovered after ED investigated a number of banks, including Standard Chartered, in the aftermath of the Harshad Mehta scam that rocked the stock markets in 1991-92.

The ED complaint was filed in the court of chief metropolitan magistrate in Mumbai by enforcement officer S. Parvez in May 2002.

These complaints, which are still pending, charge the bank and its then chairman Rodney Galpin of “total violation” of the exchange control manual and provisions of then prevailing foreign exchange regulation norms.

Mint has reviewed copies of some of these case files.

The Issue of Capital and Disclosure Requirements (ICDR) norms, laid down by the Securities and Exchange Board of India (Sebi), require any firm floating a public issue to disclose all pending proceedings initiated for economic offences against the issuer or its directors, as well as the present status of such cases.

StanChart said that it has no “material litigation” to disclose. The bank’s spokesman Arijit De said the lender has applied the relevant materiality standard in arriving at the disclosures.

In response to an email questionnaire, he said the bank would comply with the applicable laws, regulations and international practice with regard to material information disclosure and uniformity of disclosures.

“Accordingly, in relation to disclosure on litigation, as provided under the provisions of the Sebi (ICDR) regulations, 2009, as amended, Standard Chartered Plc, as an issuer of IDRs, is required to disclose ‘material litigation’. In considering whether disclosures are necessary in relation to litigation, Standard Chartered Plc has applied the relevant materiality standard. On this basis, no litigation is required to be disclosed,” the email said.

Under Sebi rules, the so-called materiality of a case must be judged on three broad parameters: qualitative nature, litigation or defaults that may not be material at present but might have a material impact later, and litigations that may not be material individually, but may be found material collectively.

A questionnaire to Sebi on whether it has granted any special exemption to StanChart for the IDR remained unanswered.

A senior lawyer at a national law firm said: “All pending litigations that have a bearing on the issue should be disclosed in the prospectus as per ICDR regulations. Moreover, the issue of materiality varies from case to case and is subjective. If I were an underwriter, I would have disclosed the status of the cases and justified if the cases have any material impact on the company’s businesses or not, in the prospectus.” The lawyer did not want to be identified.

Market analysts say there is no definitive yardstick for deciding the importance of a case.

“Materiality is subjective and judgemental,” said Prithvi Haldea, chairman and managing director of Prime Database, a primary market tracker. “The merchant banker, issuer and lawyer can collectively take a call on whether a matter is material or not.”

However, if these matters are decided in court and proven to be material, the issuers, bankers and lawyers can be taken to court for substantial damages, he added.

The amount involved in the 17 transactions listed by ED and facilitated by the bank between February 1991 and September 1992 is Rs4 crore. The bank also allegedly facilitated a telegraphic transfer of Rs1.5 crore. ANZ Grindlays Bank, which was acquired by StanChart in 2000, allegedly helped the same entities transfer around Rs55 crore. Separate cases are pending against both banks in the matter.

According to the case files, Irish rugby player Keith Fairbrother was the key beneficiary of the transfers. He owned a company, Indo International, earlier known as Eastern Suburbs, based in the UK, but with bank accounts in both names in India as well as the UK.

Fairbrother is said to have facilitated a few import-export deals between some Indian firms and their counterparts in the erstwhile Union of Soviet Socialist Republics (USSR). Since India and USSR had bilateral trade pacts, any payment to entities there needed to be routed through the Reserve Bank of India (RBI) with appropriate approvals and sanctions. Fairbrother, the files claim, broke these rules using various foreign banks, including StanChart.

Through his associate Kuldip Singh Sood in India, Fairbrother would collect Indian rupee drafts drawn by an Indian bank on its domestic branch. Allegedly with the connivance of StanChart, he would get them cleared without making any declarations or taking any approvals and credit the amount to a vostro account of StanChart London and Manchester. These banks would, in turn, transfer the amount to a beneficiary of the same name in the UK.

A vostro account is the local currency account held by a local bank for a foreign one. Such accounts are used for inter-bank transfers, and money transfers to non-residents need RBI’s nod. ED has charged that the bank and its then CEO violated these rules.

A senior broker, on condition of anonymity, said that as a matter of principle, the company should publish all pending legislation and leave the question of materiality to investors’ judgement.

“By choosing to ignore pending legislations, they are setting a bad example for the companies coming to list such instruments in future,” he said.

n.subramanian@livemint.com

Excise scam money used to fund terror'

PANAJI: Opposition leader Manohar Parrikar on Thursday said he would write to Prime Minister Manmohan Singh, fearing that money from a multi-crore excise scam linking Goa with Indian border states is being used to fund terrorist activities.

Parrikar has also alleged that the state excise department has been issuing permits to companies furnishing bogus addresses.

· Incidentally, the state government's reply that the state finance secretary is investigating earlier allegations made by Parrikar on the excise scam has not satisfied the opposition leader, who has demanded that the matter be immediately handed over to the Central Bureau of Investigation (CBI).

Raising the matter during question hour, Parrikar said that illicit alcohol consignments worth crores of rupees are being sent to border states in the north and north-east of India.

"Money from this scam is being used to fund terror networks. The excise departments from other states such as Punjab, Rajasthan and the north eastern states are involved," he said. The opposition leader also reminded the House that he had first made these allegations in the last assembly session.

"I believe the prime minister is an upright person and I will write to him to probe into this," Parrikar said. Chief minister Digambar Kamat, however, did not commit to a criminal investigation into the scam.

"The finance secretary is currently conducting an inquiry into the matter," he told the House.

Parrikar retorted: "The finance secretary does not have powers to conduct such an inquiry. We have to verify the signature of the superintendent of excise on the order, which the finance secretary will not be able to do. He cannot go to Punjab and Rajasthan to investigate the matter."

"The only thing that needs to be investigated is who made the payment for the 1.04 lakh litres of alcohol that was imported in September. Trace the source of payment and you will find out who the culprit is," Parrikar said.

UBS deal died over unexplained money

Mumbai / Pune: The reluctance of a top Swiss bank to help Indian investigators is slowing the unravelling of an intricate multinational trail of money transfers—across Switzerland, New York, the British Virgin Islands and Pune—between an Indian horse owner and a fugitive Saudi arms dealer, according to officials in the Enforcement Directorate, the government body that investigates economic crimes.

A top official in the Enforcement Directorate (ED) who did not wish to be identified confirmed on Friday that the agency’s officials, in December 2007, had advised the Indian government not to clear a Rs467 crore plan by UBS (United Bank of Switzerland) AG, the world’s biggest wealth management company, to buy the Indian mutual fund business of Standard Chartered Bank because the Swiss bank had not helped track international money transfers of Pune horse owner Hassan Ali Khan.

Investigators from the ED, who recently claim to have found $8 billion in the Swiss bank accounts of Hasan Ali Khan, say they now have evidence of a $300 million transfer to him (via a Chase Manhattan bank account in New York) from billionaire Saudi arms dealer Adnan Khashoggi, whose arms supplies to Tamil terrorists, the LTTE, were revealed during an investigation into the 1991 assassination of Rajiv Gandhi.

alt="Home turf: Hassan Ali Khan (second from right, in safari suit) with wife Rheema (second from left) and father-in-law Abbas Ali Khan (fourth from right). " title="Home turf: Hassan Ali Khan (second from right, in safari suit) with wife Rheema (second from left) and father-in-law Abbas Ali Khan (fourth from right). " v:shapes="_x0000_s1026">Home turf: Hassan Ali Khan (second from right, in safari suit) with wife Rheema (second from left) and father-in-law Abbas Ali Khan (fourth from right).

As the Bombay high court hears an Enforcement Directorate plea not to return passports to Khan and his wife Rheema, theHindustan Timeshas previewed a secret ED report that reveals the agency’s attempts to find the links between Khan and Khashoggi.

As evidence the report quotes a notation, “funds from weapon sales”, made by UBS AG, a top-tier investment banking and securities firm, after it froze an account belonging to Hassan Ali Khan, the Pune horse owner, following the $300 million transfer to him—it isn’t clear when— from Khashoggi.

“I would not like to talk about this,” said UBS India managing director and chairperson Manisha Girotra, referring all questions to the bank’s spokesperson.

“As a truly global entity, our policy on such issues is to comply with the laws and regulations in each host country, while at the same time, complying with the banking laws in Switzerland,” the UBS spokesperson said in an email. The spokesperson declined to comment specifically on the arms sale notation.

The government has told the Bombay high court that the Khans are “virtually absconding” and if they are allowed to leave India, investigations could collapse. Khan’s counsel, Milind Sathe, said his client “regularly appeared before the Directorate”. Asked where Khan was, his main lawyer, Mugdha Jadhav, said: “Can’t tell you, sorry.”

At Pune race course, HT found Hassan Ali Khan’s father-in-law, Abbas Ali Khan, who said his son-in-law was “not well” and in Mumbai. He dismissed all allegations.

Hassan Ali Khan has three Indian passports—issued from Pune, Patna and Mumbai; he also applied for passports from Guwahati and Chandigarh— and he and his wife have applied to Switzerland for citizenship, another ED official who did not wish to be identified said. Passport authorities in those three cities are now trying to find out how three passports were issued to Khan.

Kashoggi now lives a quiet life in the principality of Monaco. There is a British warrant out for his arrest.

Another top official at ED who also did not wish to be identified said Kashoggi’s $300-million transfer was “only the tip of the iceberg” and that the agency was trying to connect the dots in the global trail, which also includes evidence of another $290 million in two “fictitious companies” created by Hassan Ali Khan and a friend in the British Virgin Islands in the Caribbean. All the money transfers are recorded in a laptop seized in January 2007 from Hassan Ali Khan’s house in Pune and while investigators believe this is laundered money, there is no direct evidence. They would also need corroboratory evidence to establish that these transfers have anything to do with terror networks.

“These are all false allegations,” said Sathe. Asked about the $300 million transfer from Khashoggi, he said: “When the Enforcement Directorate questions us, we shall give a reply.”

The ED official, who confirmed the agency’s involvement in spiking UBS’ deal with Standard Chartered, said the Swiss bank had told Indian investigators to get a letter rogatory, a formal request from an Indian court to a Swiss court. This is a complicated process and would have needed to be routed through the ministry of external affairs, and it would have involved finding and presenting clear evidence of Hassan Ali’s links to terror.

It now seems apparent that UBS’ stand in the ongoing investigation led to the collapse of its deal with Standard Chartered Bank.

In a December report, Mint said that the Reserve Bank, India’s banking regulator, would not approve the deal because of possible money laundering through the Swiss bank involving certain transactions of Khan. On Friday, RBI declined to comment. “We are a civil body,” a spokesperson said. “Whenever we find violations, issued to be investigated, we hand over the information to the Enforcement Directorate. We have not issued any comments on the issue of UBS.”

In December, Standard Chartered, the parent of Standard Chartered Bank in India, sent a notice to stock exchanges in London and Hong Kong, where it is listed, saying it would not proceed with the deal, without giving a reason.(Hindustan Times)

CRIMES OF RBI & CBI & IT'S COVER-UP
- An appeal to honourable supreme court of India

The central bank of India Reserve Bank Of India , which is supposed
to direct the fiscal policies of government of India , has failed to
do so. It has enabled many looters in the garb of entrepreneurs , to
swindle the exchequer to the tune of crores of rupees. The premiere
investigating agency of India CBI has failed to nail the culprits.

Hereby , I do request the honourable supreme court of India to treat
this as a PIL application & to provide speedy justice in following
cases.

Read the article "Crimes @ RESERVE BANK OF INDIA" @ http://theftinrbi.blogspot.com/
, http://theftinrbi.rediffblogs.com/ , http://theftinrbi.wordpress.com/

Read the article "PF scam shame shame judges" @
http://corruptmajority.blogspot.com/ ,
http://corruptjudges.rediffblogs.com/

AN APPEAL TO UNION FINANCE MINISTER GOVERNMENT OF
INDIA

An age old saying – AS THE KING SO DOES THE SUBJECTS. In india various
financial scams, crimes & it's cover-ups have taken place amounting to
billions of billions of dollars have taken place, made possible , just
due to the involvement of the king – the netas & government officials
themselves in the shameful act – the crime.

The tax officials are utterly corrupt, the wards of these officials
spend double their pappa's salary just during
weekends. Now, realise their financial might. These ill-gotten wealth
is destabilising our economy & might have even found it's way into the
hands of underworld, terorrists. INDIA WILL BE DEFEATED FROM
CRIMINAL FORCES WITHIN LIKE THIS NOT FROM THE EXTERNAL FORCES.

Hereby, the HRW urges you to make public:

1. the financial worth of finance minister to tax official at circle
level, on annual basis including his spouse's worth & property
details.

2. to make public the NPAs, losses & monies under litigation by both
private & public sector banks annually.

3. to make public measures taken to recover these monies.

4. to publish annual accounts with complete details of discretionary
funds allotted to the defence ministry, president, prime minister,
chief ministers , governors & intelligence agencies.

Public want to know whether proper discretion is being applied while
spending.

R.B.I CURRENCY THEFT CASE – COVER-UP ACT BY C.B.I?
- AN APPEAL TO THE UNION FINANCE MINISTER & CENTRAL VIGILANCE COMMISSION

Even in ordinary branches of banks , the safety
locker room keys & currency chest room keys are with senior managers
only. with advance of technology various electronic gadgets like
burglar alarms, user id & palm readers are in use. It is quite
shocking to know that , in high security RBI CURRENCY PRESS , mysore
these gadgets were not in use & the keys were easily accessible to
ordinary security guards. Also, in mysore press there is no proper
accounting practices for blank papers issued for printing , after
printing is done accounts of accepted notes & rejected notes is not
at all kept. CBI is putting the whole blame on an ordinary security
guards & hurrying to close the case. The repeated thefts are not at
all possible by security guards alone without the help of insiders /
higher executives. CBI is trying to fool whom?

Even with respect to my complaint regarding
recruitment scandal complaint no: DPG/B/2005/80049 (2) (RBI) new
complaint no: DPG/Z/2005/90040, neither CBI nor secretary ( finance
sector ) department of economic affairs government of india nor the
RBI governor has taken any steps till date , why?
Hereby, e-voice urges the honourable union finance
minister & CENTRAL VIGILANCE COMMISSION to look into the matter & to
provide speedy justice to all concerned.

C.B.I COVERING UP THEFTS IN R.B.I
Lie detector tests for C.B.I officers ?

Nowadays even free e-mail accounts need password to operate, to
operate a bank locker there are multi level security settings.
However , it is ridiculous, unbelievable to note that in the high
security reserve bank of india currency note press mysore, there were
no different key sets , palm readers, pass words, no different
authorised persons, no troops of security guards, to access the area.
Just only one security guard- a constable.

It is a cock & bull story of C.B.I, that all alone a single security
guard stole the booty. There must be a crime syndicate. The C.B.I
officers themselves must be subjected to polygraph, brain mapping
tests to know why they are lying , to cover-up whom? The C.B.I has
not answered previous questions raised by us. The C.B.I must answer
the following questions :

1. who were responsible for selling the good printing machine at
security press nasik to scamster karim lala telgi as scrap ?
2. who recruited the candidates below merit rankings in R.B.I for
what criminal roles ?
3. how many irregularities have taken place in R.B.I till date ?
4. who is responsible for installing, operating & supervising the
security set-up in R.B.I ?
5. how the raw materials ie number of paper sheets, ink, etc are
accounted for in inward stores & while issuing for printing ?
6. how wastages, scrap of ink , papers , etc in the printing process
are accounted for?
7. How the finished goods ie currency notes are accounted for ?
8. Who keeps physical figures & possession of goods, inventory of all
the above?
9. How the scrap paper is disposed off ?
10. From security angle who keeps track from start till dispatch ?

ILLEGAL RECRUITMENT IN R.B.I CURRENCY NOTE PRESS RESULTING IN FREQUENT THEFTS ???

Dear sir,

I have applied for the post of STORES ASSISTANT in
1995 & for the post of PROCESS ASSISTANT in 1996 for vaccancies at
Bharatiya Reserve Bank Note Mudran Private Limited ( BRBNMPL) MYSORE
& SALBONI. I didn't even get the interview/written test call letter.

However candidates with lesser merit ranking were selected. My
requests for a copy of merit ranking list fell on deaf ears.
In the end of 1996, i once again applied for the
posts of PROCESS ASSISTANT & MAINTANANCE ASSISTANT at BRBNMPL. This
time
round i got written test call letters for both posts. I have
successfully cleared the common written test for both posts.
Subsequently i got the interview call letters for both posts. I have
successfully appeared for the common interview for both posts.
However candidates of lesser merit were selected & i didn't get any
communication at all. My repeated requests for MERIT RANKING LIST
fell on deaf ears.

It is the criminals in R.B.I MANAGEMENT who
declared a good printing machine at nasik security press as scrap &
sold it to fake stamp paper king pin karim lala telgi It may be
possible that the criminals in the R.B.I MANAGEMENT selected
candidates who suited their criminal objectives. As a result there is
frequent occurrence of currency thefts & related
irregularities at R.B.I CURRENCY NOTE PRESS, mysore & salboni.
Hereby, i call upon the C.B.I to look into this matter.

Also, hereby i urge you to provide me justice by giving merit ranking
lists of all recruitments made from 1995onwards till date.
Specifically, for the above mentioned 4 posts in accordance with the
TRANSPARENCY /RIGHT TO INFORMATION ACT of government of india.

SATYAM CO FRAUD - ARE YOU SINCERELY READY TO CATCH TAX THEIVES , CORPORATE CRIMINALS ? - AN APPEAL TO UNION FINANCE MINISTER & KARNATAKA STATE FINANCE MINISTER

Corporate fraud is nothing new to india , satyam company is just a
new addition to it. Satyam co was able to commit such a huge fraud &
keep it under wraps for years goes to prove the honesty , integrity of
our public servants , government officials belonging to SEBI , RBI ,
tax dept , pollution control , labour depts. , etc & the honesty of
auditors & company secretaries. Ofcourse , still there are few honest
people in public service , auditing & company secretaryship , but
majority of them are hand in gloves with corporate criminals.
Definitely , this fraud will also be brushed under the carpet after
certain time as other frauds happened , afterall these frauds are the
money spinners for political party funding , mafia , underworld &
other criminal activities.

In india , tax compliance is worse. In our criminal justice system,
there is rigorous imprisonment for a pick-pocketer stealing Rs.10.
even the authorities spend thousands of rupees in legally prosecuting
him & the thief spends a year or more as punishment behind bars. Where
as there is no commensurate investigation nor legal prosecution nor
punishment for corporate thieves , evading tax to the tune of crores
of rupees. In contrast, those tax thieves pay a part of that booty to
the ministers & political parties and get crores of rupees tax
exemptions , incentives from the government. Government is rewarding
corporate criminals.
The tax officials of central & state governments
are hand in glove with these corporate criminals & traders. For a
price, they are helping corporates & traders in evading tax. Most of
the tax officials are wealthy & leading luxurious lifestyles , much
beyond the scope of their legal income. The black money thus generated
every year by tax evasion , is many times more than our total annual
budget allocation. As a result, all our fiscal reforms fail &
inflation is soaring. This black money is the source of illegal
funding of political parties , terrorist outfits & underworld. It is a
greater threat to national unity & integrity.
Both the central government & karnataka state
government have failed to collect the full , actual tax dues from
corporates & traders. As a result , the governments don't have enough
money in their coffers even to provide basic needs like health care ,
education , safe drinking water , etc to the poor & needy. For every
Rs.100 tax evaded , one poor patient is dying without medical care ,
10 poor persons lack education , 100 persons don't get safe drinking
water , 100 persons barely survive on a single piece meal per day , 20
persons starve. Most of The government officials , ministers &
people's representatives who have deliberately failed in their duties
of tax collection & welfare of poor citizens , SHAMELESSLY indulge in
luxurious lifestyle at the expense of poor tax payer . they live in
paltial bungalows , chauffer driven AC cars , all living food expenses
paid by exchequer , dine at 5-star hotels , only drink bottled mineral
water , eat non-vegetarian dishes , drink alcohol sitting before
mahatma gandhi's photograph & preaching mahatma's ideals. Mahatma
preached & practiced simple living , vegetarianism & he was teto
teller , he paid for his expenses from his earnings . these public
servants are parasites , who are making merry at the expense of tax
payer.
Some non government organisations ( NGO) have
formed trusts and under the aegis of those trusts are running
educational institutions , hospitals , community halls , etc , in the
name of providing free / subsidised services like education , health
care , etc to the poor. It is only in record books , they conduct fake
medical camps , self employment training camps . in practice they are
running these educational institutions , hospitals & community halls
as commercial enterprises & collecting huge fees. they are not even
remitting full fees collected to the trust account & swindling the
money. no outsider is allowed to become a member of these NGOs , only
their cronies & their family members are in these trusts.
Numerous NGOs promoted by religious bodies , mutts
are swindling public & government money to the tune of crores of
rupees. Nobody dares to question the heads , pontiffs of these
mutts , as at his feet VVIPs , ministers fall down. These religious
bodies are hot beds of fundamentalism , terrorism & mafia. Hwere is
the accountability of religious bodies & political parties in in
india ?
Inspite of bringing specific cases to the notice
of authorities , they are mum ? hereby , E-VOICE OF HUMAN RIGHTS WATCH
offers it's services ( subject to conditions ) to the governments of
india & karnataka , in apprehending the criminals – tax evaders. Are
you ready?

MEGA FRAUD BY GOVERNMENT OF INDIA – Rs 85 000 crore tax arrears waiver + non performing assets of banks to the tune of Rs. 200 000 crore
- An appeal to Honourable Supreme Court of India

India has become an IT power , taken giant strides in the field of
science & technology. More & more MNCs are investing in India. However
due to our skewed , corrupt economic system , lack of accountability
on the part of corporates & public servants – a wide chasm has been
created between the ultra rich & the poor , the fruits of development
has all been usurped by the rich & mighty. This is the basic reason
for growth of black economy , growth of naxalism , terrorism &
underworld in India. As per a recent study by UN organization ,
majority of Indians ie more than 50 crore Indians are barely
sustaining on Rs.13 per day earnings , a whole family depends upon Rs.
13 , they are struggling to get just single meal per day. People are
starving to death , farmers are committing suicides , people are
selling their own children for a bag of grains. Whereas , corporate
biggies , public servants are leading luxurious lifestyles , having
big parties full of drinks , non-veg foods not at their papaa's
expense but at the expense of public exchequer , out of the tax dues ,
loan repayments cheated to the public exchequer.

The banks insist on matching collateral security even for self
employment / educational loans by poor for an amount of Rs.5000. if
the loans are not paid in time , rowdies / recovery agents are sent by
banks to collect the amount by muscle power. As a final step , banks
auction-off properties of collateral security to recover it's dues.
Even, the tax authorities mercilessly extract tax dues to the last
penny from the middle class.

The same banks, overestimate the project cost of corporates ,
overestimate the project feasibility & it's worth and coolly extend
hundreds of crores of rupees loans without matching collateral
security. The banks extend overdraft facilities without matching
collateral securities , to these corporates. When loans are not
repaid, no rowdies are sent by banks. The promoters , directors of
such tainted corporates drain – off the companies resources cunningly
through insider trading , finally making the company sick. Such
companies don't pay taxes , electricity bills , water bills , etc
properly to respective authorities. The authorities are deaf , dumb &
blind to all these actions of such corporates. At the end , banks
write-off such loans as non performing assets (NPA) & file case before
courts for recovery of dues. Even if the properties of collateral
security are auctioned-off dues cann't be fully realized. Finally
public money is swindled . ALL THIS IS POSSIBLE DUE TO THE CONNIVANCE
OF KEY BANK OFFICIALS , TAX OFFICIALS WITH CRIMINAL CORPORATES SINCE
THE INCEPTION OF SUCH COMPANIES . THIS ALSO POSES UNFAIR COMPETITION
TO HONEST CORPORATES. How to stop this ? by making corporate
accountability ,accountability of bank , tax officials more stringent
with penal provisions . afterall , they are playing with public money
not their papa's property.

Already , by the connivance of public servants , bank , tax officials
we have witnessed many scams like harshad Mehta , ketan parekh ,
hawala , etc and more than Rs. 2000000 crore NPAs are on the books of
the banks. Now, the government of India is planning to waive-off tax
arrears of corporates to the tune of Rs.85000 crore , why ? read
vijaya Karnataka kannada daily dated 04th January 2007. just look at
this in the backdrop of "QUESTIONS FOR MONEY BY SOME MPs" and "MP
LOCAL AREA DEVELOPMENT FUND ALLOCATION FOR A PRICE SCANDAL". The
government is always unresponsive , careless towards the sufferings
of poor , however it is always on toes to help out corporates that too
criminal ones but not honest corporates. Why ?

HRW has extended it's services to GOI months back itself , to
apprehend tax thieves , till date there is no reply from GOI , why ?

Hereby , E-VOICE OF HRW requests the Honourable Supreme Court of India
to order GOI ,

1. to make necessary amendments to companies act , to make the
promoters , directors of the corporates personally accountable for all
their actions.
2. to constitute committees consisting of public persons with powers
to scrutinize & verify all the actions of corporates for insider
trading like – selling products , materials , shares to their sister
concerns at discounted prices or buying products , materials ,
shares from their sister concerns at inflated prices or lending loans
at discount rates to their sister concerns or taking loans from their
sister concerns at high rate of interest or loaning materials ,
machines to their sister concerns , etc.
3. to constitute committees consisting of public persons , to
scrutinize & verify the annual personal tax returns filed by key bank
officials & tax officials , who have amassed riches & leading
luxurious life styles much beyond the scope of their legal known
sources of income.
4. to recover all tax dues , loan dues , etc from the corporates from
the personal properties , wealth of promoters , directors of such
companies.
5. to put behind bar the key bank officials who have helped the
corporates in swindling public money by overestimating project
viability , worth and by overlooking the insider trading of promoters
and still extending loans to them.
6. to put behind bars tax officials who have helped such corporates
in swindling public money.
7. to take all the necessary help from public like as services
extended by HRW in apprehending tax thieves.
8. to recover & protect public money at any cost.
9. to confiscate all money , properties possessed by directors of such
criminal corporates & properties of corrupt bank , tax officials ,
public servants.
10. to declare illegal black money kept by corporate criminals ,
politicians , etc in the banks of tax haven countries like Trinidad ,
Mauritius , Switzerland , etc as national property of India , as
public property of government of India & to secure that money to
Indian exchequer.

QUESTIONS FOR MONEY – PARLIAMENTARY ACTS & LEGISLATIONS FOR ???? - improper functioning of democracy in india

the vohra committee report has proved the criminalisation of
politics in india. There are many number of criminals in the
parliament & state legislatures. Some of those criminals are cabinet
ministers as well as members of vital parliamentary committees.
Thereby, they are in a position to manipulate , enact laws favouring ,
benefitting the criminals their cronies.

Just see how the GOI gave export incentive of Rs.1800 crore to
reliance petroleum although it didn't even export a barrel. Reliance
infocom & tata teleservices were CDMA mobile service providers & have
paid license fee of few crores only equal to landline fees without any
competitive bidding . They were supposed to provide mobile service to
operate like fixed phones within a radius of 40k.m. however they were
providing service like mobile service from one state to another like
GSM mobile service providers. By this act of RIC & TTSL , the GSM
providers who have paid thousands of license fee in competitive
bidding were economically hurt , the dispute went to court. The court
was on the verge of pronouncing it's verdict awarding damages worth Rs.
18000 crore to GSM players & Rs. 3000 crore of license fees with
penalty to GOI. The government announced a unified telecom license
regime with retrospective effect. Thereby, the GOI lost thousands of
crores of rupees & the share holders of GSM players lost thousands of
crores. Onceagain the RIC was charged by PSU bsnl THAT RELIANCE IS RE-
ROUTING INTERNATIONAL CALLS AS LOCAL CALLS & SWINDLING THE GOI. This
time too, GOI bailed it out. during the dispute between ambani
brothers the younger ambani mr. Anil ambani director of reliance
himself has stated that for the favours received from the GOI , the
company gifted some shares to then IT & COMMUNICATIONS MINISTER mr.
Pramod mahajan.

Various indian & multinational companies are looting indian
exchequer to the tune of thousands of crores of rupees , through
lobbying / bribing. Take the recent case of allotment of 3G spectrum.

In india, indirect democracy is the form of governance. In this
form, people's representatives are bound to raise the questions ,
issues concerning their constituents on their behalf , on the floor of
the house. However the sad part in india even after 58 years of
democracy , is the lobbying is at it's peak. The lobbying is a
gentleman's white collared crook's way of forming favour seeker's
group , creating a corpus to pay lumpsum bribe & influencing decision
making.
The people's representatives are bound to represent their people
first , then their party & party think tanks. India has come to this
sorry state of affairs , widespread corruption , huge black economy &
rampant poverty, all due to inefficient legislations & enforcements.
These think tanks & IAS lobby, consider themselves as most super
brains on earth & gives out suggestions . the present state of affairs
is a barometer of their brilliance. These think tanks & IAS lobby are
the hand maidens of lobbyists / bribers.

THREAT TO INDIA'S SECURITY BY CORPORATE CRIMINALS
- An appeal to honourable prime minister of india & honourable chief
minister of karnataka

In india , since ages certain section of people – dalits , tribals are
being oppressed in the name of caste by forward caste people. The name
sake independence has not changed the lives of dalits & tribals. The
upper caste people were in control of government & economic sector
before independence as well as after independence too. The upper caste
people are now MPs , MLAs & are running businesses . they have framed
rules , laws to suit their ends. They are getting bank loans ,
subsidies , tax cuts , etc , by greasing the palms of those in power –
their own caste men. The reservation policy is just a vote winning
gimmick of forward caste politicians , it is neo divide & rule policy.
Only few dalits with money & contacts have benefitted , by the
reservation policy of government. Majority of them are still
sufferring from utter poverty & social oppression.
Now, due to rapid industrialisation & globalisation a new economic
divide has taken place – rich & poor , haves & have nots. Now,
economically poor are also being oppressed along with dalits. The
forward caste people in government have framed laws to suit their
ends , they have provided concessional priority loans , tax cuts ,
subsidies , etc from the government to corporate sector . The
corporate sector has demanded & got monetary benefits , infrastructure
facilities from the government . however the same corporates , MNCs
are violating statuotary laws & are averse to social welfare measures
of the government . they are averse to provide jobs to dalits ,
tribals & poor , why ? these corporates are bribing the labour , tax
department & other government officials . as a result the government
is loosing tax revenues to the tune of thousands of crores every
year , the government doesn't have money to provide social welfare
measures to common people. The lives of common people are under
threat. Now,
the number of common people dying due to starvation , lack of health
care is more than in a war field. The threat to unity & integrity of
india is more from the corporate sector than pakistan or china.
Now, the government of india & other state governments are literally
under corporate control. we have brought to the notice of government
cases of statuotary law violations by various corporate entities ,
till date no action has been taken. Why ? hereby , we once again
offers it's conditional services to the government of india &
karnataka in apprehending corporate criminals , corrupt tax , labour ,
pollution control board offricials. Are you ready sir ????

Black money in foreign banks amounts to plunder of nation: Supreme Court

Black money stashed away in foreign banks is not just a case of tax evasion, it is “mind- boggling crime” amounting to “theft and plunder of national wealth’’, the Supreme Court said on Wednesday.

In a frank message to the Union government, the court wanted it to realise the gravity of the issue. “We are talking about mind-boggling crime. We are not on the niceties of various treaties,’’ a bench of justices B Sudershan Reddy and SS Nijjar told solicitor-general Gopal Subramanium.

Earlier, the government had contended that money in foreign banks was a case of tax evasion and it cannot make public the names of Indian account holders.

“The authorities have to go on the basis of mutual agreement with various countries where the money is stashed,’’ Subramium said.

“This is the problem worrying us. It is not only about tax evasion and has something more,’’ the bench said after it was pointed out that the source of the money could be narcotics, terror fund or arms dealing.

The court was hearing a petition filed by noted criminal lawyer Ram Jethmalani and some retired bureaucrats and police officers.

Standard Chartered tries to cover up its messy past, but SEBI is in a slumber

http://www.suchetadalal.com/site/userimage/image/standard-chartered.jpg

Standard Chartered Bank’s draft red herring prospectus to raise $500 million-$700 million through the first-ever issue of Indian Depository Receipts (IDRs) has completely blanked out at least 15 litigations pending against it in connection with the securities scam of 1992 and a foreign exchange scandal involving the misuse of its vostro account, also in the 1990s.

The prospectus has reportedly been cleared by the Securities and Exchange Board of India (SEBI), which is fully aware that most litigations pertaining to the 1992 scam are still dragging their way through the Indian judicial system. It is shocking that the Bank has attempted to avoid disclosure, given that the Bank's deep involvement in the scam is widely known in India and the IDRs are being sold to Indian investors. What is worse, when asked about the failure to disclose litigation pending against the Bank, SEBI has chosen to not to respond to the emails marked to the entire top brass of the Bank.

On checking with the Bank, Arijit De, head of external communications, has this to say: “With reference to your email to Neeraj Swaroop, our response is as below: The IDRs represent the shares of Standard Chartered PLC, UK , the ultimate parent company of Standard Chartered Bank, India. In accordance with the disclosure requirements under SEBI Regulations, IDR Rules, other applicable laws and international practice, SC PLC has made appropriate disclosures of all material issues in the draft offer document filed with SEBI. We have nothing further to add beyond what is disclosed in the DRHP.”

However, a simple reading of page 414 of its draft red herring prospectus suggests otherwise. It says: “As of the date of this Draft Red Herring Prospectus, neither the Company, any member of the Group, any Director, or any material associate of the Company (emphasis ours) are involved in any material governmental, legal or arbitration proceedings or litigation and the Company is not aware of any pending or threatened material governmental, legal or arbitration proceedings or litigation relating to the Company, any member of the Group, any Director or any material associate which, in either case, may have a significant effect on the performance of the Group, and there are no liabilities or defaults (including arrears and potential liabilities) in relation to such material proceedings or litigation which would be required to be disclosed under the SEBI Regulations.”

Moreover, the cases filed by the Enforcement Directorate and in the Special Court do not all pertain to the Indian operations (the Bank's Indian operation itself is significantly large and important, especially after the impact of the global financial crisis). In fact, many of them specifically name a former chairman of the Bank, Rodney Galpin.

Among the cases that we have information about include some in the Special Court set up to try the securities scam related offences (MA 365/2003 – SCB v/s the Custodian & others; Suit 45 of 1995 SCB v/s Andhra Bank; Suit No 6 of 1994 SCB v/s Andhra Bank and Suit No 32 of SCB v/s Andhra Bank). Then there are at least half a dozen cases filed by the Enforcement Directorate, many of them in 2002. We have sent a list of all these cases to SEBI, but have no response from the regulator.

Are these cases serious enough to make a difference to the Bank's global operations and performance? Probably not. Also, many Indian companies have successfully raised funds, even after disclosing that the main promoters were accused of murder or worse. The issue is the Bank's lack of transparency, while selling a financial instrument to Indian investors.

What is worse, the failure to insist on this disclosure reflects even more badly on the market watchdog. In its very first IDR clearance, SEBI has shown that it is probably overawed with the international bank's plans to raise funds in India or its fat, 801-page offer document. Either way, it is not insisting on the same transparency and disclosure standards that it expects from Indian companies, which should be a matter of serious concern, given that global banks have not covered themselves in glory in the lead-up to the financial crisis of 2008. — Sucheta Dalal

Too many loopholes

Anand Adhikari Edition: April 14, 2013

Hidden-camera videos of the country's three leading private banks' officials allegedly advising customers on money-laundering recently kicked up a storm. Heads have started to roll at the junior levels in these banks - ICICI, HDFC and Axis. But punishing wrongdoers is unlikely to stem the irregularities. A commenter on Cobrapost.com, the Delhi-based website which conducted the sting, hit the nail on the head. He said the problem was not just these three banks - it was that the entire system was riddled with loopholes. "It's a good opportunity for the regulators to plug these loopholes," he wrote.

He pointed to the multiplicity of acceptable identity documents - for instance, the PAN (permanent account number) card, passport and Aadhaar unique identification (UID) number - and the fact that none of them are interlinked. "It's a real pity for a country which produces some of the best IT talents in the world," he added. Contrast India with the United States, where social security numbers are in place since 1935.

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There are numerous problems at multiple levels - the industry regulator, the government, and the banks themselves. At the level of the bank, the core issue is the approach to banking, as banks are caught up in an aggressive sales culture. The ones named in Cobrapost's allegations have said they do business ethically. However, all three declined to speak to Business Today until they had investigated the matter fully.

At the level of the regulator - the Reserve Bank of India (RBI) - there is an urgent need to improve the frequency and quality of inspection. More importantly, there is a need to overhaul Know Your Customer (KYC) norms for financial intermediaries such as banks, non-banking financial companies (NBFCs), insurers and mutual funds.

And at the government level, there is a need to speed up Aadhaar - the national unique identification (UID) number project - as it would eliminate the multiplicity of documents.

The central bank's KYC guidelines require banks to collect three documents - photographs, identity proof, and address proof - from customers before they can open an account or get a locker. If a customer has no UID number, the bank has no option but to accept documents such as voter ID, electricity bill, passport, or PAN card.

"The root cause of many of the problems today is the multiplicity of enforcement agencies, array of regulations and variety of documents for the identification of a single person," says Pavan Kumar Vijay, Managing Director of Corporate Professional Group, a corporate advisory firm.

The Cobrapost videos show bankers asking for easily available KYC documents, and, in some cases, even advising customers not to submit a PAN card so they can stay off the tax radar. Bankers say some customers get away with submitting a lease agreement and rent receipts as address proof. "These are the most suspect cases, where the bank should do a ground check or periodically re-check whether the customer still has the same residence or job," says the chairman of a public sector bank.

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Some banks accept a company ID card as proof of identity, and a letter from an employer as residence proof. That is in line with RBI guidelines, but banks are also required to update the customer data from time to time. But many bankers say these checks get short shrift, as the bank is focused on attracting new customers.

"The problem is not with the KYC, but its implementation," says M.D. Mallya, who recently retired as Chairman of the state-owned Bank of Baroda. He may be right, as the genuineness of even crucial government-issued documents is not always above quest ion.

According to the Comptroller and Auditor General (CAG), there were close to 96 million PAN cards as of March 2010, but only 34 million tax returns were filed.

The PAN card is one of the most abused documents. The CAG noted in 2010/11 that big tax evaders spread out their money by opening multiple bank accounts with fake PAN cards. Tackling PAN card fraud is not enough, though. The Income Tax Act allows those who claim not to have a PAN card to fill out Form 60 and say they have no taxable income, or Form 61 to say their income is from agriculture. A Cobrapost video shows a banker allegedly advising an undercover re-porter to fill out Form 60 to avoid detection by tax authorities.

So just by filing Form 60 and without submitting a PAN card, a tax evader can deposit cash of over Rs 50,000 in a bank or post office, no questions asked. According to banking industry sources, the RBI and the finance ministry are investigating cases in which banks have not reported transactions backed by Form 60 or 61 to the government's Financial Intelligence Unit (FIU).

Finance Minister P. Chidambaram

Eventually, Aadhaar will resolve the KYC issue. But until that happens, some argue, it is impossible to require just one or a few documents as acceptable proof of identity and residence. "There is the issue of financial inclusion, or people having different sets of documents," says a banker from one of three banks named by Cobrapost. He adds that some people genuinely do not have taxable income, many do not have a passport, and for some, the only address proof is an employer's letter.

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"Banking is a serious business where service, compliance and safety are core elements," says A.K. Khandelwal, former Bank of Baroda chairman and author of the book Dare to Lead. But private banks have a strong culture of cross-selling their subsidiaries' products, and increasing the number of savings and cur rent account deposits.

"Nurturing an ethics-based corporate culture, with provisions to claw back performance-based incentives... can help correct the current approach of mobilising fresh business by any means," adds Khandelwal.

The Cobrapost expose shows bankers allegedly marketing insurance products to convert black money into white. Insurance products are profitable, because the bank earns a high first-year commission on the premium. The bank manager could benefit, too: many banks and insurers offer rewards for high sales, such as foreign junkets.

Insurance products are easy to sell. The bank's KYC requirements are sufficient proof for investing any amount in an insurance scheme. A PAN card is not necessary, even though some single-premium policy amounts are as high as Rs 30 lakh. Many banks sell policies that mature after seven years. At that point, nobody can question the source of the money, because income-tax laws do not require banks to keep records for more than seven years.

RBI Governor D. Subbarao

Cobrapost has also alleged that the three banks have been laundering money. Money-laundering means the transfer of money from illegal sources - drugs and arms trafficking, terrorism, extortion and theft - into the financial system through fictitious bank accounts and hawala transactions. Cobrapost alleges that the banks suggested opening accounts in the name of the applicant's spouse, cousin, or friend, which is not money-laundering in the strict sense.

By law, bank employees have the authority to ask a customer for details of transactions that are not consistent with the customer's profile. The onus is on the bank to ensure that the account is not being used to launder money. Insurance companies, too, are required to report cash transactions of over Rs 10 lakh a month to the FIU.

Following Cobrapost's allegations, the RBI and the Insurance Regulatory Development Authority are investigating KYC violations and the background of customers who have put large sums into singlepremium insurance plans. ICICI Bank's life insurance arm has launched a probe, too.

Some in the industry say the FIU is seeking details of policy holders with high-value single-premium policies. The RBI, too, is investigating high-value transactions. "If there is a series of cash transactions valued at Rs 10 lakh or more in a month, they need to be reported under AML," says a public-sector banker on condition of anonymity. AML refers to anti-money laundering rules.

Banks are required to report demand drafts, mail transfers and travellers' cheques worth Rs 50,000 and more to the RBI. A source in the central bank says: "The investigation will also look at the extent of complacency shown by the top management of these banks."

Some bankers argue that it would be unfair to blame the top management of the three private banks that Cobrapost has named - the country's largest in terms of market capitalisation. ICICI and HDFC have nearly 3,000 branches each, and Axis Bank has close to 2,000. The Cobrapost investigation covered some 50 branches. All three banks have comprehensive codes of conduct for employees. For example, ICICI Bank, with a balance sheet of Rs 5 lakh crore, has a detailed manual outlining due diligence for accepting a customer.

A day after Cobrapost published its investigation, ICICI and HDFC banks appointed audit firm Deloitte Touche Tohmatsu to carry out an independent forensic enquiry in addition to their own internal investigations into Cobrapost's allegations. The stock market has reacted, too: the banks' stocks have fallen more than the BSE Sensex.

"The RBI may also put the brakes on new branch licences to some banks," says Kashyap Jhaveri, analyst at Emkay Global Financial Services, in a recent report. An analyst who manages the money of foreign institutional investors says the probe could expand to other banks. A Goldman Sachs report notes: "These developments, if proven true, could potentially lead to slower growth across private banks' deposits and business."

The RBI's deadline for a scrutiny of the head office and branches of the three private banks is March 31. The central bank is also studying whether the banks' gold coins and wealth management products could be potential ways to stash black money. RBI Deputy Governor K.C. Chakrabarty has downplayed the expose, saying: "If we find there is a need to further tighten any guidelines, we will do that."

Some in the industry say that Finance Minister Chidambaram's estimate that 46,800 people have taxable income of over Rs 1 crore is baffling, considering the growth of banks' wealth management services and the portfolio management services of mutual funds and brokerages.

In addition to being the government's debt manager, the RBI manages the country's monetary policy, and supervise and regulate banks. "There is a strong case of hiving off the banking supervision from RBI," suggests a banker.

The number of bank branches in the country has grown to 80,000. The RBI has some 20,000 employees, of which one-third are maintenance and technical staff. Some bankers question, however, whether adding layers of people will improve the situation.

Former RBI governor Bimal Jalan says: "We should learn from the current experience and see how we can improve our ethical governance system in implementing the banking guidelines."

There is also the issue of black money - estimated at Rs 10-15 lakh crore - being generated in the first place. It is common knowledge that much of it is stashed in other countries. The Cobrapost sting has highlighted that banks, which are highly regulated, seem to be doing little to bring tax evaders to book at home. It is anyone's guess what goes on in more loosely regulated financial intermediaries such as co-operative banks, NBFCs and credit societies.

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Monday, February 3, 2014

Dalit Atrocities by Governor