Posted in Banks, Black Money, Common Man, Consumer, Democracy, Financial Institutions, Financial Risk, Government, Hindustan, India, Management Lessons, Politics, RBI, Slogging, System, Victim

Are Financial Institutions considerate enough for moving towards Cash-Less Economy?

Cash-Less Economy results in enormous benefits to the economy, as well as, to the Financial Institutions, and do note that these benefits are not only restricted in monetary terms but rather extend to the managerial and procedural aspect, as well. So, there is no second thought that the Financial Institutions are definitely going to reap long-term benefits flowing from Cash-Less Economy. However, the big question is that are the Financial Institutions considerate enough to help our economy move towards Cash-Less zone or not? Let us discuss this alarming issue in this blog.

When the Government of India (GOI) realized that the Demonetisation step taken at their end would not fetch the expected results, then they very smartly twisted the motive behind demonetisation itself and started pitching it as a step towards Cash-Less Economy. However, regardless of the differences in opinion about the demonetisation step or the reason behind it, one thing could not be denied that moving towards Cash-Less Economy is a good step and it has more of positive sides then the negative sides.

For India, this step towards Cash-Less Economy is a paradigm shift as our economy, as of now, is majorly a cash-dependent economy. If our country seriously wants to reach anywhere near to Cash-Less Economy, then the Finance Sector has to play a critical role in this GOI’s initiative. In fact, the Finance Sector has to be one of the major contributors for this dream to come true. Hence, the Reserve Bank of India (RBI), along with the Financial Institutions has to make a proper framework and gear up for this upside-down situation.

Few months have passed since the first talk about moving towards Cash-Less Economy started in our country. Since then some radical changes have been brought by the GOI, RBI and the Financial Institutions with the very objective of controlling the cash transactions and persuading people to shift towards card and digital payment mode. Now, let us see if the steps taken till date, by the GOI, RBI and the Financial Institutions are actually intended to ‘help’ our country move towards Cash-Less Economy or not.

Some of the key measures adopted by the GOI in this regard are the introduction of Digital Payment App called Bharat Interface for Money (BHIM), providing subsidy (incentive) on digital/card transactions as against cash transactions, levying of penalty of an amount equal to the amount of cash transaction which is over and above Rs. 2,00,000/-, etcetera.

All these measures adopted by the GOI clearly portray the seriousness of the GOI in moving towards Cash-Less Economy. Further, two important motives are reflected from these measures i.e. restriction on cash transactions and “incentivizing” the digital/card transactions. So in my personal view, the GOI has passed the test of “considerate enough” for moving towards Cash-Less Economy.

Now, let us talk about the key measures adopted by the RBI and Financial Institutions in this matter. Herewith, I would like to quote the following lines extracted from my other Blog “Moving towards Cash-Less economy – Was it the right time to take this step?” – “In order to meet the political ambition, the RBI and Banks started working towards the Cash-Less economy. Various guidelines are being issued on a timely basis restricting the number of cash transactions, imposing charges on withdrawal of cash exceeding a specified limit or number of transactions, as well as, imposing penalties on non-maintenance of minimum balance in the saving accounts, etcetera”.

Anyone who goes through the above-mentioned measures “with plane eyes”, will find that all these measures adopted by the RBI and Financial Institutions are an effort towards restricting the usage and flow of cash in our economy. But there is a twist in here. The Financial Institutions have introduced a lot of charges with regard to cash transactions that somewhere it makes me think that whether their motive is only to earn revenue from this opportunity or what?

Mind it, this is not a baseless thought because anyone who compares the measures adopted by the GOI against those introduced by the Financial Institutions can very well vouch that there is a vast difference in their approach. As a general practice, whenever any drastic changes are required to be promoted or implemented in any field, then some incentives are offered to the users so that they get motivated to opt for that change. However, the story is different when it comes to Financial Institution’s approach in this matter.

On one hand, the GOI is providing subsidy (incentive) on digital/card transactions to promote cashless transactions, while on the other hand, the Financial Institutions didn’t even care to reduce their charges on online transactions to such an extent that at least their charges doesn’t exceed the subsidy (incentive) provided by the GOI, so that the customer doesn’t end up paying more amount for any transactions via online mode as compared to the cash payment for similar transactions.

Herewith, I would like to justify my point with the following example – If you book a Liquefied Petroleum Gas (LPG) cylinder via online mode then you will end up paying an amount of more than Rs. 1/- per transaction, as against the payment made in cash and that too when the GOI is providing a subsidy of an amount of Rs. 5/- per transaction. So forget about incentivizing the customers, the Financial Institutions are de-motivating them because the common man wouldn’t like to pay the extra amount on any transaction done via digital/card mode especially at the time when we are still in a nascent stage of digital payment era for the masses.

From the above discussion, it seems that at the time when the Government of India (GOI) is pitching hard towards Cash-Less economy, the Financial Institutions does not seem considerate enough for moving towards Cash-Less Economy rather they are busy filling their pockets by introducing a number of new charges/penalties. Further, this approach of the Financial Institutions is somehow negating the incentives that the GOI is providing to the masses for moving towards Cash-Less Economy.

I do hope that the GOI and RBI take note of this alarming issue and further take necessary steps in this regard so that the Cash-Less Economy does not remain a dream forever. I wish that the Financial Institutions take this opportunity to build a solid framework towards the much-needed destination of our time i.e. Cash-Less Economy and in turn, this process will definitely grant them enough benefits to reap from.

I wish that the Almighty give good sense to each one of us.

Stay in touch.

God bless you all!

Peyush Jain

Posted in Common Man, Consumer, Democracy, Doctor, Government, Health, Hindustan, Human Tendency, India, Management Lessons, Patient, Politics, Security, Slogging, Strike, System, Victim, Violence

Strike a day keeps the Doctor away

It’s said that “An apple a day keeps the Doctor away” but it seems that in the present scenario a new proverb best suits in i.e. “Strike a day keeps the Doctor away”. To testify this, you just need to look around and you will realize that every now and then, there is news about some violent act between doctors and relatives of the patients in some part of the country. The end result of all such violent acts is that the doctors go on a strike when their basic demand for safety is not being heard by the responsible authorities and every time the common man is left to suffer in absence of the availability of doctors in hospitals for treatment.

After all such incidences the doctors unanimously complaints that they are being abused and assaulted by the relatives of the patients, while, on the contrary, the relatives of the patients accuses the doctors of their careless approach in treating the patients. This tension is building up since long and in the recent time, it has taken a more violent form. Now, we as a society have to decide whether we intend to continue with this sore relationship between the doctors and the patients and be a dumb spectator or else do we aim to bring an end to all this by implementing some drastic measures? So let us try to discuss this serious issue in this blog and find out the ultimate solution to this problem.

Doctors are not God but they are the one who cures us and saves our life. I have never seen God, but I am sure if the Almighty is present then two of the most important activities of their Key Results Area (KRA) would be to cure us of all the ailments and save our life. Hence, it would not be wrong on my part to say that “Even though Doctors are not God, but their act is Godly”. Now, with this serious responsibility of Godly Act, accompanies a lot of expectations “from and towards” a Doctor.

In a doctor’s profession, there is no room for any kind of mistakes. Hence, we can just imagine how cautious doctors need to be while dealing with each and every single patient of theirs. Ever tried to visualize that what will be our anxiety level if we have to work in our respective professions, with such thoughts running at the back of our mind 24X7? Don’t you think that most of us will panic or try to run away from such situation? But the doctor’s can’t afford to and neither do so, they are right there fighting with their anxieties and fatigue day in, day out.

Yet, doctors are not machines, they are indeed humans and chances of “unintentional mistakes” are always likely to happen. Many a time, unlike others, doctors don’t even get a second chance to rectify their unintentional mistakes. The doctors are in fact always walking on burning embers. In spite of all these hardships faced at their end what they get in return? Mind it; herewith I am only talking about the honest and committed doctors. Isn’t it expected from each one of us to at least show some courtesy and give them the much-deserved respect? Is it too much to ask for? Forget about showing respect, some of us don’t even think twice before pointing the finger towards the honest and committed doctors as well? Is this the way a civilized society should behave?

Obviously, one can very well counter that it is their duty and the doctors are being paid for their job and that they are not doing any kind of social service. But trust me, to be an honest and committed doctor it takes more than simply performing the set KRAs. Most of the time these doctors have to go out-of-the-way and undertake tasks which are over and above the so-called KRAs. Now, what inspires them to do so? Believe me, it has nothing to do with earning money but the very thought of helping the patients to recover and get well soon ignites the soul of these honest and committed doctors.

Having said all the above things, we still can’t discard the presence of corrupt and careless doctors in our system altogether. And for that matter, there are corrupt and careless professionals in every field. But this doesn’t mean that we have the right to abuse or assault any doctor when we are not satisfied with their work. Whatever may be the circumstances, no one has the right to take law in their hand. Instead, if we have any complaint against any person then we should register the same with the designated authority, rather than be opting for violent means to let our voice heard.

However, time and again, we hear and witness incidences where either the doctors are being abused and assaulted for not performing their duties diligently or else the patient’s relatives complain about being ill-treated/careless approach by/of the doctors. Now a very valid question strike our mind that should this be the way to treat someone whom we consider next to God, and, at the same time, is such behaviour expected from highly educated professionals like doctors?

The reality is that fault is at both the ends. On one hand, we as a society are responsible for not condemning such violent behaviour of the relatives of the patients or for not standing against the mob that is abusing and assaulting the doctors. On the other hand, the few corrupt and careless doctors are actually bringing disgrace on the name of the entire medical fraternity and it is because of them, that at times, even the innocent doctors are being accused and assaulted for something which they were not involved in or for something that was not in their hands. Similarly, many times, it is seen that just because of the careless approach of some of the doctors, patients have to suffer a lot and also there are cases reported where the patients have even lost their life due to this careless behaviour of the doctors.

So what is the resort available for the innocent doctors against such violent acts? Normally in response to such assaults, the doctors often go on strike when their demand to provide adequate security at the workplace is not heard by the responsible authorities, as well as, the government. But is strike the only mean to get their demands heard and met? And the big question is that are strikes justifiable at all, more importantly in fields like medical which affects the life of living beings?

Similarly, who should the patient and their relatives look upon, when a corrupt or careless doctor doesn’t perform their duty diligently? Often, it is seen that the pain-stressed relatives of patients who are expecting immediate response lose their temper because no one is available to attend the patient or answer their queries and eventually the situation gets out of control.

Before we dig into any kind of solution to solve this issue, one thing should be made extremely clear that irrespective of the circumstances, no one has the right to take law in their hand, be it the doctors or be it the patients and their relatives. But does it mean that we are helpless and could not devise a system which keeps mobs out of the workplace and, at the same time, ensures that all those who are responsible performs their duty diligently?

It’s a high time we need a onetime solution to control such chaotic situation occurring every now and then on the hospital premises. If we are not able to control it now, then this situation is definitely going to aggravate in the near future and in turn, it’s surely going to widen the gap between the doctors and the patients and thereby resulting in a sour relationship. All this is ultimately going to affect the treatment of the patients.

Solution – As a layman, what I think is that to control all such issues a mechanism should be developed which results in a win-win situation for both the parties. I suggest the following measures for controlling such unwanted chaotic situation at a place like a hospital, which should be peaceful all the times –

  1. First of all, surveillance and security should be mandatorily available at each hospital premises, without fail. This will help the doctors in treating the patients without being scared of getting abused or assaulted by anyone. This will further ensure that the situation remains under control all the time and in case anyone tries to take law in their hand then such persons are identified with ease and are punished for their acts. This will not only control the situation but also help in creating a “fear of being watched” in the minds of all those who even think of taking law in their hand.
  1. Secondly, a system should be in place which keeps the track of every single activity from the time a patient arrives in the hospital premises i.e. enters the hospital. Do note that this tracking should start once the patient arrives in the hospital i.e. even before the admission of the patient. This will automatically help in resolving some of the major issues raised by the patients and their relatives i.e. the patient was not attended on time or the doctors were not available or were careless in their approach towards treating the patient.

These are very basic solutions and wouldn’t take much time to implement. The only thing that is required is the right intention and willingness on the part of the responsible authorities to resolve this chronic issue. Sooner the better they realize the importance of resolving this issue and take right decisions in this regard. Do note that without bringing some drastic changes in the system this tension is not going to ease up, rather it is going to aggravate with each passing day. So it is my earnest request to the responsible authorities that in the larger interest of the medical fraternity, as well as, the common men they should take the desired steps at the earliest.

I hope that the responsible authorities take this issue very seriously and also take actions to ensure that no such situation occurs in the future. I urge everyone to behave in a civilized manner and never take law in their hands. If you think that someone has deliberately caused harm to you or to someone else then you should register your complaint on the right platform with the designated authority, rather than getting into violence mode. At the same time, I would like to request every doctor that please perform your duty with utmost dedication and keep up the good work you all are known for. Let the doctors do their Godly Act in a peaceful condition and let the society be benefitted from the honest and committed doctors in the right way.

God Bless you all!

Stay in touch.

Peyush Jain

Posted in Common Man, Consumer, Democracy, Government, Hindustan, India, Indian Railway, Injustice, Justice, Politics, Slogging, System

Indian Railway’s new rule with regard to Cancellation Charges on Waitlisted Tickets – What could be more illogical than this? – Part 2

I would like to start this blog by quoting the following paragraph extracted from the first part of this Blog – “As a layman, I could not find any single logic behind introducing the cancellation charges on a waitlisted ticket. As per my view, this is a sheer case of robbing our pockets by introducing some illogical rule. The already overburdened common man is slapped with another “heavy and baseless charge”. Hence, I would like to take this opportunity to request the learned and respected Railway minister to throw some light on the logic behind introducing this charge. I hope the Indian Railways either comes up with a logical justification in this matter or else take back this illogical charge”.

Post writing the first part of this blog, I did approach Mr. Railway Minister on his e-mail id and requested him to clarify the logic behind coming up with such a weird charge. However, it seems as if the Minister who is super active on social networking platforms like Twitter, doesn’t care to respond to his e-mails. Maybe a common man’s plea on an “official platform” is not worth to waste their precious time. Or is it, that if any complaints are publically expressed then these tech savvy ministers have no other option left but to respond to it so that their efficiency of working comes in public notice? Well, the fact is that I am still awaiting the reply from the Honourable Railway Minister.

Now the motive behind writing the second part of this blog was not to talk about my e-mail to the Railway Minister. Also, I have tried to present the detailed information about the cancellation charges on waitlisted tickets in the first part of this blog itself. However, after reading the news published, on dated 18th March 2017, in Dainik Bhaskar, the Daily Hindi Newspaper, with regard to Railway Board’s preparation for some changes in the Passenger Reservation System (PRS) with effect from 01st July 2017, I am keen to write the second part of this blog. Who knows, maybe the responsible authorities wakes up and take note of this valid point while amending the current rules? So it’s an attempt to once again raise my voice in the matter concerned.

One of the points quoted in the above-mentioned news is that the Railway Board is preparing to refund 50% amount on cancellation of the Tatkal Tickets and accordingly the required changes shall be incorporated in the PRS. So it is clear that the railway board is thinking about refunding the amount on cancellation of Tatkal Tickets. However, I fail to understand that why didn’t they consider taking back the illogical cancellation charges on waitlisted tickets? Is it because the revenue generated from the cancellation charges on waitlisted tickets is too lucrative to get away with it, even if there is no logic behind introducing it at the first place? Obviously, the number of cancelled waitlisted tickets in Indian Railways is always going to be higher than the number of cancelled Tatkal Tickets, so wouldn’t it be foolish to even think of parting with such extra income? Who cares for logic when the generation of revenue is concerned, right?

Mr. Suresh Prabhu (Railway Minister) once again it’s my earnest request to you that please enlighten the common man with the logic behind levying cancellation charges on waitlisted tickets. And, if by any chance, you could not come up with any sound logic behind this intelligent move of yours then it’s my humble request to you that please take back waitlisted cancellation charges with immediate effect. I hope you will act as per your name Mr. Prabhu and bring relief to the masses.

Peyush Jain

Posted in Banks, Black Money, Common Man, Consumer, Democracy, Financial Institutions, Financial Risk, Government, Hindustan, India, Management Lessons, Politics, RBI, Slogging, System, Victim

Moving towards the Cash-Less economy – Was it the right time to take this step?

In real terms, the demonetisation step was not able to meet the expected outcome and hence, in order to save their neck, the politicians diverted the talks towards Cash-Less or in their own terms Less-Cash economy. Actually, Cash-less or Less-Cash are one and the same thing the ultimate motive of which is to phase-out cash from any economy. However, considering our current state of the economy which is majorly cash-dependent, the politicians has to refer it as Less-Cash economy, so that it sounds soothing to the ears of a common man and does not result in resistance or chaos in the market.

Indeed there is no harm in moving towards the Cash-Less economy and it has more of positive sides then the negative sides. But herewith, what went wrong is once again “the timing of this step taken”. The common man was already hit hard by the demonetisation monster, wherein the unavailability of cash mercilessly broke the backbone of the common man. On top of this, the ongoing steps taken by the Reserve Bank of India (RBI), as well as, Banks with regard to the Cash-Less economy are not helping in any way; rather it is aggravating the sufferings of the overburdened common man.

In order to meet the political ambition, the RBI and Banks started working towards the Cash-Less economy. Various guidelines are being issued on a timely basis restricting the number of cash transactions, imposing charges on withdrawal of cash exceeding a specified limit or number of transactions, as well as, imposing penalties on non-maintenance of minimum balance in the saving accounts, etcetera. However, RBI and the Banking Sector should have first examined the nerve of the country before opting for such measures, rather than working blindly on the orders of the politicians.

Anyone who attempts to sense the pulse of the common man will surely understand that post-demonetisation step taken by the Government of India (GOI) people are hesitant to keep their hard-earned money with the banks. There is surely a loss of trust among the common men and the two major reasons for this trust loss are –

  1. Firstly the “Trial and Error” methodology adopted by the GOI and RBI during those 50 days of demonetisation.
  2. Secondly, people were unable to withdraw “their own money” even within the prescribed limit set by the GOI and RBI.

This is the ground reality which can be vouched by anyone with a sane mind, but the prerequisite is that they need to step out from their air-conditioned offices and keep themselves grounded. In such a situation, the first and foremost thing that was required to be done “on priority” by the RBI, as well as, the banking sector as a whole, was to build the trust once again among the masses. However, they acted exactly in the opposite manner and started imposing a lot of restrictions on cash transactions. At the time when comfort was needed, what the common man got was a load of restrictions on their head.

Now, it’s for the Management and the Think Tank of RBI and Banks to evaluate and decide whether this was the right time to pitch the measures of the Cash-Less economy or not, especially in the light of sufferings of the common man. Mind it the availability of cash is not adequate still in the rural and interior areas. And here the country has to face restrictions on cash transactions. Wouldn’t it have been prudent if the Cash-Less economy was taken as an altogether new project “at an appropriate time” instead of a residual measure to save the neck of a few people? Do they have an answer to this question? I guess ‘No’.

Now, I would like to end this blog with the very hope that may the trust of common man always remain intact in our financial sector, especially the banks because they are one of the important pillars of any economy. I do wish that the respected and trusted organisations of our country always have the freedom to work with a free spirit, keeping in mind the larger interest of the society as a whole.

I wish that the Almighty give good sense to each one of us.

God bless you all!

 

Peyush Jain

Posted in Common Man, Consumer, Democracy, Government, Hindustan, India, Indian Railway, Injustice, Justice, Politics, Slogging, System

Indian Railway’s new rule with regard to Cancellation Charges on Waitlisted Tickets – What could be more illogical than this?

As per Indian Railway’s new rule, with effect from 12th November 2015, in the case of waitlisted tickets, cancellation charges of Rs. 60/- per passenger shall be deducted. In simple terms, if unfortunately your Indian Railway passenger ticket is not confirmed and it remains on the waiting list “post chart preparation”, then an amount of Rs. 60/- PER PASSENGER shall be deducted from the ticket fare paid at the time of booking and only the balance amount shall be refunded. As a matter of fact, time and again, a lot many other charges were being introduced by Indian Railways, to generate revenue. However, I simply fail to understand the logic behind cancellation charges on a waitlisted ticket.

Let us further try to understand this with the help of an example. Suppose, a customer booked a product from an organization, to be delivered at a specific date, “based on availability”. However, on the precise date, that organization is unable to deliver that product because of unavailability of that very product. Now, obviously, in this situation there is no blame game to be played because the order got cancelled for a valid reason i.e. non-availability of the product, as well as, this condition was very well-known by all of the concerned parties, at the time of booking. Having said that, my question to the learned and respected leaders/officials is that what is the normal course of action that is expected from that organization in this situation?

I hope you all will agree with me that in this situation two necessary actions are required i.e. firstly, as a gesture of courtesy, an apology from that organization for not being able to deliver that product and, secondly, refund of the entire amount paid by the customer towards that booking. Now, considering that Indian Railways is an Indian state-owned enterprise, expecting an apology for thousands of waitlisted tickets will be too much to wish for. However, Refund of the entire amount paid at the time of booking of waitlisted tickets is every customer’s legal right and no one has the authority to debar them from getting back their hard-earned money.

I mean, when any organization, irrespective of it being Public or Private, is unable to deliver a booked product, how can they even think of charging cancellation charges, from their loyal customers, on that cancelled booking? Did the customer cancel that product/ticket? If not, then why the customers have to bear the cancellation charges, on account of cancellation that was not initiated on their request, rather it was solely done by Indian Railways (in this case), on their own? What kind of service is this where the customers neither get the product/ticket nor get the refund of the total amount paid by them? Does that sound appropriate? On the contrary, the organization which is unable to deliver the product is authorized to charge cancellation charges on a failed order. What kind of anti-customer approach is this? It seems the only thing they care about is filling their pockets by hook or by crook.

As a layman, I could not find any single logic behind introducing the cancellation charges on a waitlisted ticket. As per my view, this is a sheer case of robbing our pockets by introducing some illogical rule. The already overburdened common man is slapped with another “heavy and baseless charge”. Hence, I would like to take this opportunity to request the learned and respected Railway minister to throw some light on the logic behind introducing this charge. I hope the Indian Railways either comes up with a logical justification in this matter or else take back this illogical charge.

I would like to end this blog with the very hope that this write-up opens the eyes of the common man and together we stand up against this illogical cancellation charge introduced on waitlisted tickets, which is being forced upon us to rob our hard-earned money. At the same time, I do hope that those in power get the good sense, as well as, get awakened on the issue raised here with and take back the waitlisted cancellation charges, at the earliest. Do remember that there are many other ways to collect revenue, then to take shelter of such illogical rules.

 

Peyush Jain

Posted in Common Man, Consumer, Democracy, Government, Hindustan, India, Injustice, Justice, Media, Politics, Slogging, System, Tax, Urban Development Tax, Victim

Factual mistake in the formula adopted for calculation of Urban Development (U.D.) Tax by Rajasthan State Government – Is it a blunder or a well thought out strategy to rob our pockets?

Is it believable that a state government is levying Urban Development Tax on the basis of a formula, which has a flaw in following the basic principle of mathematics? Indeed, one can counter by saying that manual and system errors are bound to occur at every place. However, what would be the justification for continuing this error for, as long as, 9 to 10 years, and still going, on and on, with the same mistake?

It is interesting to note here that although the government changed during this period, still, the formula is intact i.e. the present government intends to continue the “revenue generating mistake”. Herewith, please be noted that the Rajasthan government is fully aware of this mistake, but I guess, they simply don’t want to rectify it, solely because it will lead to a lesser collection of tax. This certainly compels us to think, whether it is a blunder or a well thought out strategy to rob our pockets?

Before we discuss any further, let us check the formula adopted for calculating U.D. Tax in Rajasthan state. Formula for calculating the Urban Development (U.D.) Tax in Rajasthan

Total U.D. Tax Payable =

(Total Plot size in square yard) X (Effective D.L.C. rate in square meter)

2000

As it is evident from above, that the formula adopted for calculating the Urban Development (U.D.) Tax by the Rajasthan Government is factually incorrect. This mistake is apparent from the Urban Development Tax bills issued by the concerned department of Rajasthan Government. The factual mistake in the formula for calculation of U.D. Tax is that the plot size is taken in the square yard, while the D.L.C. rate is taken in the square meter. It is a basic principle of mathematics that two different measures cannot be multiplied to arrive at the desired figure. How can square yard be multiplied with the square meter? I mean, even a school going kid can point out such a mathematical mistake. However, the learned and respected Rajasthan Government leaders/officials are least bothered about this basic principle of mathematics. But, on the contrary, who cares for the basic principles, when keeping them aside, gives one the licence to rob the hard earned money of common men?

For the correct calculation of U.D. Tax, the total plot size first needs to be converted into square meter from the square yard and, thereafter, multiplied by the available D.L.C. rate in square meter, in order to obtain the correct Tax Payable per square meter.

“No wonder Logic’s are only for the common man to follow, the powerful and privileged ones are respectfully exempted”. I am not making a loose statement when I say that the Rajasthan Government doesn’t intend to rectify this mistake. My statement is very well backed by the fact that the Rajasthan Department of Local Self Government (RAJDLSG) had issued an order, by way of a departmental circular, dated 19th December 2012, instructing the concerned officials and departments, that while calculating the Urban Development Tax, square yard should be converted into square meter for arriving at the correct Urban Development Tax Payable (thereby accepting their mistake). However, surprisingly on dated 07th February 2013, RAJDLSG stayed the above-mentioned order with immediate effect i.e. switched back onto the wrong formula for calculation of U.D. Tax. (Reference: An article published, on dated 20th May 2014, in Dainik Bhaskar, the Daily Hindi Newspaper).

I hope the staying of the above-mentioned order in itself shows whether the government intends to rectify the mistake or not. What was the logic behind staying the order? The only reason is a reduction in tax collection on account of correct formula. Wow what a logical reason, right? If the government intends to earn more revenue than can’t they increase the tax rates? Or are the leaders scared of losing their government on account of increased taxes, so they rather choose to rob our pockets by misleading the innocent citizens? As per an article published, on dated 19th May 2014, in Dainik Bhaskar, the Daily Hindi Newspaper, Rajasthan Government is charging almost 20% excess Urban Development Tax on account of incorrect formula being adopted while calculating the U.D. Tax.

If the Rajasthan Government doesn’t intend to rectify the mistakes apparent on record then how come they expect us to deposit misleading taxes on time? When intentionally the government doesn’t want to rectify their mistakes, then who gave them the authority to levy penalties on incorrect taxes that are not being paid by the awaken citizens, till the time they rectify the mistakes at their end? Although, the concerned officials have been requested, time and again, for rectifying the mistake and issuing a revised demand notice, still no action has been taken till date, even after a lot of follow ups and meetings with the concerned officials. In such a case, why would any law abiding citizen pay the “intentionally incorrect taxes” to the government?

Finally, I would like to end this blog with the hope that the leaders and officials of Rajasthan Government get good sense, as well as, get awakened on the issue raised in this blog to rectify the mistake in the formula for calculating the U.D. Tax and they don’t take shelter of such illegal methods to collect revenue in future.

Peyush Jain

Posted in Belief, Common Man, Consumer, Fast Food, Health, Hypocrite, Slogging, Yoga

Yoga Gurus selling fast food products – Have fast foods turned healthy these days?

The renowned and learned Yoga Gurus are selling products which are categorised as fast foods, etcetera. I know that there is no ban on fast foods being sold by Yoga Gurus. But my only worry is that, isn’t such practices contradictory to the very teachings of Yoga? Or is it that all of a sudden fast foods have turned healthy these days and, hence, they could very well be categorized under the head ‘healthy food’. I just want to remind the Yoga Gurus that “to eat healthy food” is one of the basics of Yoga teachings. So, it’s my humble request to all the learned Yoga experts to please enlighten us, that is it a high time to amend the Yoga literature, in order to, incorporate fast foods and other such food products/implements under the category of healthy food?

Can we get drowned into the money business so much that we forget the very basics of the core things, which we publicly preach about? Can the teachings of yoga and business of fast food products go hand in hand? Is this strategy a part of the whole business plan, which states that one should first make people unhealthy (as in, the prospective customers) and then, later on, cure them? Isn’t this equivalent to running a Cancer hospital by the manufacturer of tobacco products? It seems as if everything is fare in the business whose sole aim is to ‘making money’.

We always thought that there is a difference between a Yogi (One who practices Yoga) and a Bhogi (One who is a materialist). But it seems that there is a thin line of differentiation between the two and for money’s sake there is no wrong, in crossing that line. In the current scenario, what matter the most is money and to have that money one can very well shift into a Bhogi from a Yogi, time and again, at their sole convenience. It seems as if the motto is to keep aside all the moral teachings for the public speeches and when it comes to earning money than one should only follow the sole principle, which says that, “Everything is fair in business and one should just concentrate on earning money and more money, by hook or by crook”.

To all the Yoga Gurus who are involved in the ‘business’ of selling fast food products, I simply want to inform you all, that your association with such products sends a wrong impression in the mind of innocent people. Herewith, I am not accusing the Yoga Gurus that they claim such things to be healthy, but my only point is that either such Gurus should not associate themselves with such products, or else, should clearly state that “although they are selling this product, it is not good for health”. That’s the least we expect from a Yogi “to be honest”, right?

The common man, “who has a blind faith” in Yoga Gurus, simply believes in everything that these people say, as well as, takes everything that they associate with as right and healthy. It’s a high time the common man wakes up and realizes that being a blind follower, always leads to a dead end. Each one of us has been gifted with a workable brain, so we should question each and every single thing before adopting it in our life. Remember it, that only when the common man is awake, no one will be able to fool them, play with their emotions and exploit them for one’s own benefits.

My appeal to the Yoga Gurus is that please don’t mix up Yoga with Business. I very well know that to expect such behaviour from those who are money minded, shall be adjudged as foolishness on my part. But still, who knows, maybe one day, some of them may realize that there act is not appropriate as per the teachings of Yoga. May the almighty give them the good sense to decide whether their actions are for the sake of mankind or not.

My humble request to each one of you is “Be a smart consumer, rather than a blind follower”. I hope that at least the customers realize this fact that they are purchasing an unhealthy product before they take their decisions. Now, it’s up to each one of us to decide whether or not, we want to buy an unhealthy fast food product, solely because the person behind that product is associated with an ideology of healthy living. Give it a thought guys, so that no one is able to fool you.

God bless you all. Be in touch!!!

Peyush Jain