India, Maharashtra, vijay kumbhar, News, Governance, RTI, Transparency, Civic Issues, Real Estate: 2018

Monday, December 10, 2018

Maha Govt allows inspection of files under RTI , here are some guidelines for officers and citizens

To reduce number of applications under Right to Information Act (RTI) and to bring transparency in functioning of official works Pune Municipal Corporation ( PMC) had started ‘open day’ in 2009. Under this scheme every Monday between 3.00 to 5.00 PM all the documents of every department are made available for inspection to citizens. On the same line Government of Maharashtra has started open day in all district and subordinate offices. The GR regarding this effect has been issued on 26 November 2018.





Though now Maharashtra government has started ‘open day’ in district and subordinate levels journey to it was not easy. Convincing government officials about proactive disclosure was huge task. However, I had privilege to talk to discuss various sections of RTI with late Prakash Kardalay. The former Editor of Indian express pune . He played crucial role in formation of RTI act. People used to call him ‘ masterjee ‘.

One day we were discussing section 4 of RTI act. When I drew his attention to explanation given to section 4 (3) and (4) of the act. This explanation clearly says that dissemination of information under section 4 includes inspection of offices of any public authority. We both were curious about how to implement ‘inspection of office of public authority. As per our discussion next day I went to Pune municipal corporation to inspect the files .

In PMC I demanded a file to inspect. The file was regarding TDR (Transferable Development Rights), which comes under 4 (a) of RTI. Initially I went to concerned Public Information Officer (PIO) and asked for that file.  The PIO demanded a application. I denied and told him that information disclosed under 4(a) of RTI was public one and as it was already published there was no need of application. Then he told me that the file I was demanding was under police investigation. I told him that how can you conceal the information that was already published, or required to be published under RTI ? .  Then there were lot of arguments and counter arguments. Finally, he confessed that they had not published anything under 4(a) of RTI. My argument was whether you publish it or not it has become public information on 12th October that is when RTI came to an existence. However, he didn’t show me the file and thus first attempt of inspection of office under section 4 of RTI act was failed.

Then we decided to give this exercise a legal format. We prepared an intimation format for inspection. ( This was not an application under section section 6 of RTI).Draft of that intimation is reproduced below.




Then finally after lot of augments and counter arguments and after consultation with legal department PMC allowed me inspection of office and showed files related to TDR. Then we campaigned in various offices for disclosure under section 4 of RTI act.

Then a meeting with then state information commissioner Vijay Kuvalekar was organised in PMC. Along with kuvalekar, then PMC commissioner Mahesh Zagade, City engineer Prashant Waghmare and 40 other officers were present for this meeting. I was also Part of that meeting. As per discussion in this meeting PMC started open day. since then Files are being made available to the citizens without any formal application.


The English translation of the circular issued by then Municipal Commissioner for open day is reproduced here.

                                      Municipal Commissioner Office

                                              Pune Municipal Corporation

                                              OW No. MA/MAJ/427

                                              Date - 16/07/2009
                       
Office Circular

Subject: making records available for citizens of Pune Municipal Corporation.  
        
Under the Right to Information Act 2005, information is sought from many citizens in Pune Municipal Corporation. As per law it is mandatory to give this information within one month. However, in most cases, the information is delayed or partially provided. This is very inappropriate. Due to this, there is an increase in the number of appeals and inconvenience is caused to the citizens and they are compelled to visit corporation office to obtain the information.

Transparency is the main object of the above law. It is necessary to provide all the requested information accurately and quickly to the citizens. To achieve this all employees are required to work pro-actively. The following procedures should be implemented for this.

on every Monday or in case of holiday next working day the records of all departments should be made available to citizens for inspection between 3 pm to 5 pm. At this time all the concerned officers / employees of all the departments must be present in the office. If the citizen wants a copy of the documents, then after application and payment of the necessary fee’s documents should be provided. The information regarding this procedure should be displayed prominently in every office.

All Heads of every department are required to implement above procedure in their respective offices.
Mahesh Zagade
Municipal Commissioner
Pune Municipal Corporation





For implementation of open day rules need to be formed. Accordingly, city engineer Prashant Waghmare issued a circular. In this circular responsibilities and precautions while implementation of open day are mentioned. English Translation of this circular id reproduced here

                                       City Engineer's Office
                          Pune Municipal Corporation
                          OW No. 1265
                          Date - 19/07/2009
Office Circular

Subject: making records available for citizens of Pune Municipal Corporation.
Reference - The official circular issued by the municipal commissioner, Municipal Corporation, No. MA / NJA / 427 dated 16/7/2009

As per above referred circular it has been ordered to make available official records for inspection to citizens on every Monday or in case of holiday next working day between 3 to 5 PM. Accordingly following procedure need to be adopted
  1. Every public information officer must maintain a separate register for it. In this register, it is necessary to mention the serial number, date, the name and address of the citizen, the subject of the record requested for the inspection, the documents sought, total pages, the fees charged for documents, the signature of the citizen, etc.
  2. While inspection only  the applicant and the representative of concerned office should be present.
3.   The identity of citizen should be checked before inspection i.e PAN card, passport, bank passbook, voter ID card, ration card etc.
  1. While inspection Blade, scissors, bag, pen, camera, erasers are not allowed
  2. Representative of the concerned office should take precautions so that there should not be any changes in documents while inspection
6.   If the applicant asks for copies of the documents after inspection, then the challan of charges should be given and the copies of the documents should be made available immediately after the payment is made.
7.   On the last Monday of every month or in case of holiday the holiday, the next working day will be observed as 'Right to Information Day'. On this  day if the information under the Central Right to Information Act, 2005 has not been given, then it should be complied with. It is also necessary for all the public information officers to keep an separate register for it also
8.   Every Public information officer should submit monthly report above procedure to this office
9.   This procedure should be adopted from 1st august 2009

Prashant Waghmare
City Engineer
Pune Municipal Corporation

Though Government has started open day the experience regarding inspection of office is not much satisfactory in various offices. Often they give excuse that concerned file is with some other department. While it is not mandatory to write a letter to request inspection of files it is nice to be courteous and give them prior intimation.

There are certain things to be remembered while inspection of files. As These files belongs to citizens and citizens are owners of these files they should not to feel awkward, guilty or hesitate to demand file for inspection.


Remember, once citizen give them intimation, they should not have to wait for a reply from the officer. Simply because, a citizen has a right to inspect files during designated working hours of the public authority. The intimation is just for convenience purpose and to avoid excuses by officials.

Once citizens have gone through the documents they can ask for the copies of the inspected documents. To obtain this copies one need not give application under section 6 of the RTI act. Mere giving a list of document on plain paper is enough. However, they need to pay fees required for photocopying.


VERY IMPORTANT NOTE: Intimation of inspection under Section 4 should be addressed to the top authority of the government department (meaning the municipal commissioner, if it is a municipal corporation) unlike an application under Section 6 which is addressed to the public information officer (PIO).
                      Draft Of intimation
To,
The Head of The Department

Subject – Intimation for inspection of files related to  xxxxxxxxxx

Dear Mr.Head of the Department

As per circular sankirn2018/ pra.kra. 45/ karya 6, dated 26/11/2018 the Government of Maharashtra has allowed inspection of files in every department. Please note that as per section 4 of RTI act and as per the said circular there is no need to give any intimation for inspection of files in any public authority. However, being responsible citizens, we thought it preferable to intimate you beforehand.

I intend to exercise my right as a citizen to inspect documents related to xxxxxx. I will visit your office on Monday xx/xx/2018.

Thanking you
With Regards

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Friday, October 19, 2018

Declare Bank of Maharashtra innocent without investigation trial or hearing…..


Proving that the banking industry is a criminal business all the agencies hand in glove are now are coming forward to declare, the Bank of Maharashtra (BOM) officers innocent without any investigation, inquiry or hearing in the DSK scam case.
 According leading daily, Pune Mirror Pune police have moved an application under Section 169 of the Code of Criminal Procedure (CrPC), to release the accused BoM top officials who were arrested in DSK scam case.
 According to Pune Mirror, the Pune Police have claimed that they have failed to find evidence against the top three officials. Interestingly, in the first charge sheet filed in the Pune court, the police have made serious allegations against the bank officials.




The said paragraph is reproduced here .

It is unusual and astonishing that the Chairman and Chief Managing Director of the Maharashtra Bank, taking interest of visiting the site. And not taking any action after noticing that entire funds of the Bank were not used in the project. 

In this same charge sheet, the police have made a serious claim that this officer sanctioned a loan of Rs. 100 crores to the DSK Dream City and then sanctioned another Rs. 10 crores in April 2017. Specially, instead of acting when it comes to the fore more loans were given.

Is not it serious? There are many other serious allegations against these bank officials too.
Then what happened suddenly, on the basis of which the Pune police are saying that there is no evidence against the bank officials?

Actually, Pune Police has conducted a special forensic audit of all transactions in the DSK scam. The forensic auditor's report has highlighted a serious scandal involving not only the Bank of Maharashtra but also by many other banks. And that is why banks and his political supporters do not want any investigation, trial or hearing of the matter.

That is why they are struggling to exclude the names of the officials in this case.

It is also reliably learnt that one of these accused recently had a meeting with finance minister Arun Jaitley.

It is also pertinent to note here that after BoM officials arrest in DSK Scam prime minister Modi’s had announced zero tolerance towards corruption in banks. However immediately after his announcement, amendment to Prevention of corruption was made and babus were fully protected from arrests in case of corruption.  Not only that swift efforts were also made to get all BoM accused out of police and magistrate Custody.

The way and procedure with which these officers have been released on bail has been challenged by Fix Deposit ( FD) holders of DSK in High Court.

Let us see now how drama unfolds. It is true that no political party in India has come forward to protect interest of victims of investment scams or bank frauds. But it seems that every political party is in favour of protecting fraudsters and scammers

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RTI Resource Person, RTI Columnist
Phone – 9923299199

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Friday, July 13, 2018

Scammers want to enjoy ‘Roger Lifestyle’ with public money !

Scammers like Vijay Mallya, Nirav Modi are known for their luxurious lifestyle. More than their business they are known for luxurious bungalows, villa’s, costly Cars, page 3 culture


However, they enjoy such a lifestyle with public money. 


It is not the case that all the business personals including builders and others involved in many other businesses are scammers or cheaters.


The businesses personal that enjoy their lifestyle with their own hard earned money nobody will complain about them.


However, there are some criminals who pretend themselves as businessmen, builders or Investment bankers. Under the garb of business, they cheat gullible investors and banks. 


Scammers in Pune are also not far behind. They have learnt the ideal of cheating public.


Some of these cheaters are already behind bars and others are on the waiting list!


When I first heard of ‘Roger lifestyle’ of some of the Pune builders, I couldn’t get it properly. 


Pune builder's are fond of such lifestyle
Roger Federer's Glass Villa


Then I tried to search that word even then I didn’t find anything much useful.

However, in all this exercise I came to know about world-famous tennis player Roger Federer’s lifestyle, his luxurious cars, private jet, glass house etc.

Builders want such lifestyle at he cost of public money

Roger Federer's Private jet


No doubt Roger Federer enjoys the super luxurious lifestyle, but he has earned on that through his hard work. He is currently ranked world No. 2 in men's singles tennis by the Association of Tennis Professionals (ATP), he has won 20 Grand Slam singles titles. 

Roger Federer's 70 crore rupee glass mansion on the shores of Lake Zurich in Switzerland, His private jet, his collection of luxurious cars.

Roger Federer enjoys his lifestyle with his hard-earned own money. 

However, criminals enjoy Roger lifestyle with common people’s money. And that is the real cause of concern.

DSK Dancing at FD holder's meet
DSK Jallosh


One such builder, whose behaviour after selling the flats is appalling. Had promised possession in 2 years took 8 arduous long years to build. All public spaces swimming pool clubhouse is locked with no access for residents, staircase, lift owned by the builder, terrace sold to outsiders.

This builder calls himself santhanik  (chief of princely state) of Pune. 

This person when travelling with fellow builders flies in a class higher than the super luxurious class. Enjoy presidential suites in luxurious hotels.

Sajnani used to throw parties at the cost of public money

Devidas Sajnani of Temple Rose In a party



Another builder stunned with the police action on D S Kulkarni one builder has started returning investors’ money slowly. He had also tried to help D S Kulkarni recently.T his builder who has been cheated various investors is famous for his diamond-studded watches and luxurious farmhouse.

One another such controversial builder in Pune is known for his super luxurious office.

Since last 10 years, he is advertising the same schemes under the completion stage.

Among other luxurious things, he is known for his world-class automatic personal toilet. Sensor operated touchless toilet seat. Without touching, the lid cover lifts up automatically when one approaches it. 

He even advertises it as his status symbol.

Shirish was in love of  luxurious Bikes and Cars

Shirish Kulkarni


D S Kulkarni and his entire family are in judicial custody. But people know how D S Kulkarni used to fly fursungi from chatushringi in the helicopter. His son’s flat in trump tower and love for bikes and cars are not hidden things.

Another builder and long-time associate of D S Kulkarni , Vinay Phadnis is also in judicial custody for yet another investment scam. He was also known for luxurious cars.  

Yet another scammer in Temple Rose plotting scam, Devidas Sajnani is behind the bars since last one year. He was known for foreign tours. He used to throw parties regularly for pity reasons.

It is now peoples turn to teach such a lesson to scammers so that they will never think of using others money for personal enjoyment!

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RTI Resource Person, RTI Columnist
Phone – 9923299199

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Monday, July 9, 2018

Are BoM employee’s union agitations sponsored by the Bank itself?

Are BoM employee’s union agitations sponsored by the Bank itself?

Yes, there is the reason to believe this statement. Bank of Maharashtra ( BoM)  has asked one advertising agency to collect all the news items regarding BoM union’s agitations.

It appears that BoM officials instead of asking bank employees to go to work are keeping watch on the outcome of agitation.

Calling such reports is not normal practice at least in BoM.

If at all it was,  then they would have taken cognisance of news item appeared in 2016 in leading daily “loksatta” about DSKDL Fixed deposit schemes and stopped further disbursal of loans.

Then why BoM officials are keeping the close watch on news items of agitations?.

The reason is simple.

They want to see whether some union leaders’ who have assigned with the job of supporting management are doing their job well or not!

There is long past of hand in gloves of BoM top executives and some union leaders.

Some union leaders instead of doing their job of protection of workers interest take more interest in supporting wrongdoing of top executives.

 And in lieu of that these top executives avoid action on wrongdoings of such union leaders.

Such two leaders are more vocal in agitations after the arrest of 3 top executives in DSKDL investment fraud.

Banks has given one of these leaders a charge sheet in 2013 and show cause notice to another leader way back in 2004.

However, no further action has been taken for the reasons best known to them only.



One such leader was also director of the bank and charges levelled on him by BoM were very serious and are reproduced here.

Your act of concealment of the facts of aforesaid cases pending against you in the respective Court of Law and knowingly making a false statement in the said forms submitted by you to the Bank pertaining to or in connection with your employment as Director in the Bank is an act of gross misconduct under clause 5 (m) of Chapter XIX of the Bipartite Settlement dated 19.10.1966 as amended from time to time.

The above-mentioned acts committed by you. are offences involving moral turpitude for which you are liable to conviction and sentence under the various provisions of law which is misconduct under the provisions of Bipartite Settlement dated 19.10.1966 as amended from time to time.
It has been, therefore, decided to conduct the departmental inquiry against you for the above-mentioned acts of gross misconducts alleged to have been committed by you and charges levelled against you

Another union leader was mere a computer operator in Bank. While in service he was engaged in the private job also.

The show cause notice given by the bank to him is reproduced here.

An explanation was sought to vide letter no, xxx dated 16.4.2-004  in respect of payments made to you on various dates from Current. a/c. no. xxx of Ms .xxx systems with our Deccan Gymkhana branch and also in respect of transactions in your SB  a/c. no. .xxxx , SB a/c. no. xxx and CC account no. xxx with our Bajirao Road branch.  You have submitted your reply dated 23.4.2004. Your explanation is not found  satisfactory   for the following reasons                                                                                                                                                             
The current account no. xx of Ms .xxx  was opened with   Deccan Gymkhana branch on 9/6/1994. At the time of opening of the account, Mrs.xxx  was the proprietor. However,  on  17.4.!997 Mr, xxx took over as new proprietor of Ms. Xxx systems. Your claim that you withdrew payments on behalf of Mrs.xxx  is not tenable because  after  17.4,1997   also   you received Payments  from the said account, details of   which are  informed to you In letter dated I6.4.2004 moreover, if at all Mrs.xxxx had sought your services as a staff member there was no reason for transfer of amount through cheques from the account of Ms. Xxx systems to your own account.

As regards transactions in SB a/c no xxx with Bajirao Road you have simply mentioning that both transactions pertain to the investment made by your father. However, you have not given any specific details particularly regarding credit of Rs. 50,000 /- on 1.6.1996 by way of transfer. Regarding transactions in SB a/c no xxxx you have given the explanation about only two entries dated 9/12/2000 and 1.10.2001. you have not given explanation rest of the entries mentioned in letter Dated 16.4.2004.

You have not given any explanation regarding turnover of Rs.12 lakh in S/B a/c no xxx from 17.7.1995 to 9.1.2004. Regarding turnover of Rs 39 lakhs in your SB a/c no xxx from 5/8/1995 o 10.4.2004 and regarding turnover of Rs.  3,79.0000 in your CC account no xx from 24.2.2003. It was expected of you to have submitted your explanation with exact and complete details in respect of each of the major transactions appearing in these accounts.

In absence of a satisfactory explanation from you,   the details of transactions from. .a./c of XXX  System  and from. ,SB a/c. no.xxx , SB a/c. no. xxxx- and CC a/c no . xx Show that you have income other than salary income from The Bank. As per provisions of B.P.  Settlement, the staff member cannot, engage himself in any trade or business without prior permission and also cannot engage in any speculative activities.P lease, therefore,  show cause as to why  disciplinary' action should not be initiated against you for earring income other than salary income; without the Permission of the Bank as  appearing in above referred accounts and from the account of m/s. xxx  Systems: You have not obtained the permission of the Bank for engaging in any trade/business. Your-. The reply should be submitted within 7 days from the date of receipt of this letter failing which it will be presumed that you have nothing to say in the matter.

However, no action has been taken on these union leaders and hence they are supporting top management of BoM.

Now one can understand why BoM is keeping watch on their agitations.

There are few questions being asked after the arrest of  top 3 executives  of the bank of Maharashtra

1.     Is Bank of Maharashtra being singled out among a dozen  lenders for bad loans of DS Kulkarni Group?

2.     Did police overstep of their jurisdiction while arresting top executives of BoM?


3.     Are BoM unions’ agitations justifiable?



Now we will deal with these questions one by one.

Is Bank of Maharashtra being singled out among a dozen lenders for bad loans of DS Kulkarni Group?

The answer to this question is ‘certainly not’.

Other banks are also in the queue.

However, BoM was the first bank to provide loans to DSKDL since 1989 and hence biggest responsibility was on BoM’s shoulders to check the credibility of the company.

If you look at the statement made by Rajiv Gupta ( ED BoM) and others in the bail application.

It Clearly says that “It is most respectfully submitted by the applicants the bank has already been declared D.S. Kulkarni i.e. Principle borrower and other 4 directors as a willful defaulter i.e. way back in 2011. Moreover, Bank has also initiated E-Auction with respect properties Mortgaged.”

What does this statement indicate?

When they were aware that the principle borrower  DSKDL and 4 other directors were will defaulter in 2011 then why did they provide consortium loan in 2016 and other loans after that?

Wasn’t it all the executives and other official’s responsibility to check the facts?

In the third week of March 2017, Chairman and Chief Managing Director [CMD] of the Maharashtra Bank, Ravindra Marathe along with Mrs Nalini Sriram visited the site of DSK dream city, for which the consortium loan was granted.

Marathe, Chairman and CMD should have noted and assessed the work was completed only 10% to 20% of the funds disbursed.

Normally the authority of the stature of Chairman and CMD do not visit the site financed. As the visiting officer has to take stock of the work done and has to access the work completed out of the loan. This is the job of responsibility.

Isn’t it unusual that the Chairman and Chief Managing Director of the Maharashtra Bank, taking the interest of visiting the site?

 Even after noticing that entire funds of the Bank were not used in the project no action was taken.

The money was used from the loan for the purpose other than it was taken.

Here are few examples on which expenses were made from the project loan taken. (Consortium Loan BoM))

Investors Rs . 55,02,366 , Rs 24,85,000,  Rs 14,05,550,Rs 4,75,000  ,Rs. 3,17,960 and so on....

Vegetable supplier Rs 75,79,025

Spa Extravagance Rs. 13,26,522

Loan Repayment Tata capital Rs . 1,53,23,653 

Loan Repayment SKS Fin cap Rs . 14,58,857

SBI Employees co-op HSG Soc. (Donation?) Rs. 21,12,000

 Footwear and shoes Rs 12,91,305 and Rs 39,952 respectively

 Garments Rs . 30,00,000     

Embroidered Fabrics, Stoles, Skirts, Scarves, Ladies Tops, Ladies Skirt etc Rs. 14,00,000 ,  

Hoteling & Entertainment Rs  Rs 3,13,311

Cateres    Rs.  12,04,293   and   Rs 3,00,000  respectively ,     

Fashion Designer Rs  63,000

Glass ( automobile  Glass) Rs 5,24,30,000 ,

Tailoring Rs. 88,704 ,

Broker Rs. 1,92,090,

Flower Decorators Rs 74,895 and Rs.  28,840

Now one can imagine how the loans were used.

Not only that even after DSKDL disclosing the Fixed Deposits( Taken on group companies without RBI Permission)  not paid/outstanding, Bank of Maharashtra sanctioned the new loan of Rs 20 Crores outside the consortium.

The DSKDL gave List of Fixed Deposits Matured and Not Renewed mentioning the names of each depositor is written. In spite of such failure to repay on time and default made, surprisingly the Bank granted the fresh loan.

The list of Fixed Deposits was not certified by the chartered accountant of the DSKD. It is shocking that the Bank did not insist the certification of the auditor chartered accountant.

From the information sought and submitted to Police it was clear that the loan was granted for repayment of Matured Fixed deposits, which the entities failed to pay and honour its commitment.

It appears that the Loan was granted to the DS Kulkarni and Developers Limited to repay deposits accepted by its group partnership firms without RBI permission.

Top executives who are responsible for the loss of national wealth due to bad loans or frauds in Public sector banks are suddenly feeling betrayed after the arrest of top executives of BoM.

All these top executives want all the authority without any responsibility.
When they claimed bonus on performance parameter they are happy, but these persons do not want to share national loss. They are unprepared for hardships arising out of their own decisions.

Accountability Policies approved by the Board favour the powerful only.

In the instant case one should not forget that Ravindra Marathe was not the only CEO of BoM,  he was also a member and chief of a committee to monitor serious fraud cases in BoM.

Other banks also have also defaulted in giving the loan to DSKDL and it’s so-called group companies.

But as the BoM was the major and old banker to DSKDL  and as arresting all the people at the same time was not possible to police may have arrested BoM officials First.

Now did the police overstep of their jurisdiction while arresting top executives of BoM?

The answer to this question is also “no!”

Whether Marathe and others arrest was right or wrong that will be decided in the court of law.

However supreme court of India in a civil writ petition 38 of 1997 (Dr.Subramanian Swamy vs Director, Cbi & Anr) and other cases on 14 may 2014 held that

“Section 6- A(1), which requires approval of the Central Government to conduct any inquiry or investigation into any offence alleged to have been committed under the PC Act, 1988 where such allegation relates to (a) the employees of the Central Government of the level of Joint Secretary and above and (b) such officers as are appointed by the Central Government in corporations established by or under any Central Act, government companies, societies and local authorities owned or controlled by the Government, is invalid and violative of Article 14 of the Constitution. As a necessary corollary, the provision contained in Section 26 (c) of the Act 45 of 2003 to that extent is also declared invalid.”

Thus it is clear that police didn’t require any prior approval before arresting of the employees of the Central Government of the level of Joint Secretary and above.

Now we will see whether the BoM unions’ agitations justifiable or not?

The basic object of any workers or trade union is to protect the interest and improve the conditions of workers.

To achieve these objects normally such unions lock horns with management or top executives.  

But here some union leaders of BoM always supported management.

Before supporting top executives these union leaders should first self-analyse the problems that persist in the functioning of BoM.

In 2016 Electronic Clearance Service  (ECS) service for DSKDL was withdrawn.
Then Cheques given by DSKDL and their associate companies started bouncing.

Bank worker instead of putting remark “Insufficient Funds “on cheque use to put remark as “refer to drawer”.

That caused the legal problem to cheque holder to lodge a complaint under section 138 of the negotiable instruments act.

Sometimes bank workers use to return the cheques without any remark and ask depositor to go to DSKDL or its other associated companies.

Despite knowing such situation, BoM used to provide thousands of cheques to DSKDL and associate companies.

Weren’t union leaders aware of these situations?

 Had they raised any objection about this to anybody?

 Isn’t this a help or direct involvement of bank workers and top management in DSKDL’s fraud?

It had been rumoured that CCTV connection at the residence of then executive director had been disconnected. Being whole time director his residence is a very sensitive location. Many visitors like persons involved in Siddhi Vinayak logistic scam may have tried to meet him.

In this case why the use of CCVT was discontinued?

Has any union leader raised any concern about this thing? Isn’t it related to Banks reputation?

These leaders should also find out why some staff especially ladies staff is happy with the arrest of one of the top executives?

In the year 2016 – 2017 around 440 crore rupees provision was made on account of frauds In BoM. There are several big frauds in this 440 crore rupee list.

However, one provision was made for fraud of Unified Payments Interface (UPI).

UPI is an instant payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties' bank accounts.

However, instead of using this BoM introduced own UPI app and allowed it to use.
Due to the lack of sufficient security features bank lost around 30 crores. 

Provision of the amount was made by the bank on account of fraud for this loss.
But who was responsible for this loss?  Have any of BoM union leaders raised any question about this?

Then what kind of loyalty towards bank these union leaders are talking about?

In the nutshell, these union leaders are nothing to do with bank’s image.

They are supporting top executives for their personal interest and fear of action against cases on them only.


They should now stop agitating and allow the law to take its own course. 


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