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 Belief, Happiness, Hope, Inspiration, Life, Management Lessons, Motivation, Personality, Talent

Identify your “Real Talent” and pursue it – Period

What’s your real talent? By “real talent”, I mean the one thing which you are passionate about, the one thing which gives meaning to your very existence and the one thing which you enjoy doing, irrespective of any kind of monetary or other benefits attached to it. If you think that you can do justice to this one thing “with your whole heart”, then that is where your real talent lies.

So now tell me what your real talent is. Hello, no need to look around. Yes, I am asking you and only you. Speak up, I am waiting. Oh yes, you guessed it right, I am stubborn and not going to leave you, till I get an answer from you. Do you think you can escape from me? Just to enlighten you – I am a ghost. I will haunt you wherever you go (Ahem! Yes, everywhere). I am sure, now you realize it that you are left with no other option but to speak your mind out. Alas! You have landed at a wrong place and without fail you will have to reveal about your talent. So just start, I am all eyes and ears…

Wait, what did you just murmur? Are you confused about your talent? Oh come on; now don’t be sad, there is nothing to worry about. We will work as a team and try to figure out what you are best at. Sounds good, right? So are you ready for the challenge? If yes, then let us start a new journey towards an unexplored destination. Gear up, wear your thinking cap on, tighten your seat belt and with a peaceful mind, step on the accelerator. This is definitely going to be a life changing expedition.

At the start, let me make it very clear that most of us are not fortunate enough to know our talent “just like that”. The majority of the normal human beings have to dig deep inside their own self to find out their real talent. And mind it, that’s not an easy task. It needs a high degree of patience and self-awareness. So make sure that you take this task with utmost seriousness and dedication, in order to achieve your goal i.e. identifying your real talent or the very purpose of your life.

Being aware, “in and out” about yourself, places you in the best position to locate your hidden talent. On the contrary, other’s can simply guide you or help you to identify your potentials. But ultimately it’s you and only you who have to identify your real talent and work towards it because no one else knows you better, then you do. Similarly, this blog will serve as a helping hand in understanding the process of how to identify your talent, which you can further pursue and hone it. But like anything else, this will also help only when you seriously work towards it.

Do remember that it’s your life and you have to take charge of all the decisions that affects you. If you hesitate to do it right now, you are surely going to regret it later on. And trust me in the later phase of your life regretting won’t help much. So it’s my earnest request to each one of you that before it’s too late, “Identify your real talent and pursue it – Period”.

Now as soon as you start thinking in this direction, the first and obvious question that hits your mind is that how to identify that very activity which you are best at or in other words the real talent of yours? This question could very well be answered by applying the technique of identifying your real talent. This technique is divided into three simple steps –

  1. In the first step, you need to engage your mind in figuring out the various activities which you seriously think you are good at. You should jot down each and every single activity which you could think of. Even if you think that something is too weird, you should still not hesitate in writing it down. It is interesting to note here that once your mind starts working on it, there is a very high probability of you getting the below-mentioned thoughts –

a) You have no idea about any of your talents.

b) You think that you are not talented in any of the fields.

c) You are aware of your talent.

If you got any of the above three thoughts, then it’s a good sign because you have started thinking in the right direction. Now, it’s just a matter of channelizing your thoughts towards a fruitful objective. Do note that this first step was simply meant to shuffle your brain cells. And as soon as your brain cells get activated and you start getting these thoughts, you are ready to move into the second step of this technique.

  1. In the second step, you need to analyse your thought that occurred in the first step and then find the answer to it. In order to do that you should know the right approach in the respective three circumstances. The different approaches are –

a) No idea about any of your talents – You don’t know what’s your talent is? Well, trust me there is absolutely no problem in that because most of us start with this thought only. The only remedy available is to keep digging more and more inside your own self, till you are successful in identifying it. There is no other way out. As clearly mentioned in the above paragraphs that it’s only you who could identify your real talents, so go for it. What you are waiting for? Start doing it right now. List down all the things that you think you are talented in. And mind it talent has no barriers. One person could be talented in more than one thing. So don’t restrict yourself to any kind of boundaries. Just write down every possible thing that you think you are good at. Herewith, do note that there is a high possibility that what you think is a talent of yours, may just turn out to be one of your hobbies or likings. So you have to make sure that the talent that you identify duly fits in the definition of the “real talent” as mentioned at the start of this blog. And mind it, till the time you are successful in locating your “Real Talent”, you don’t have an option to stop. Keep going, no matter however long it may take you to identify that. And only when you are able to identify your real talent, you are ready to move on the third and final stage of this technique.

b) Not talented in any of the fields – Do you think that you are not talented in any of the fields? Trust me this thought is nothing but sheer crap. Do note that each one of us is talented in something or the other and it’s just a matter of time when we actually realize our talent. Hence, this thought is merely a negative force to pull you down from achieving your ultimate goal in life. It’s like the same situation which you encountered in the past, wherein you were working towards achieving something in your life and a negative thought that “You can’t achieve it” keeps hitting your mind, every now and then. The fact is that in all such situations you have to overcome this thought with self-confidence by countering it with a positive thought that “You are going to achieve it no matter what comes across”. Now the same approach is required to be applied for getting over the negative thought that “You are not talented in any of the fields”. You got to simply bypass this thought by reminding yourself, time and again, that “Everyone is talented and so are you”. When you have settled your mind with this positive thought, you will have to once again start thinking about your real talent as per the process mentioned in point number a) above.

c) Aware of your talent – Hurray! It’s great news that you are aware of your talent. Congratulations for this life changing realization. You might be fortunate enough to know your talent on the first go, without much effort. Or it may so happen that at the start of this process you have no idea about your talent or you might be thinking that you are not talented in any of the fields, but without fail the final outcome of the second step has to be the awareness of one’s talent. Do note that till you are aware of your real talent you can’t proceed towards the third and the final stage of this process. Once you are able to identify your talent, it’s the right time for you to move forward with confidence, towards the third and last step of this technique.

  1. The last and final step is actually not about identifying your real talent because you have already done that in the first two steps of this technique. Hence, the third step is all about pursuing your real talent. This step is an extremely important part of this technique because it will be an insult to your talent if you do nothing about it, even after identifying it. Do keep it in mind that only identifying your talent doesn’t matter, rather pursuing it is very important. And till you pursue your real talent and work towards honing your talent it will be of no use. At the same time, just because you are talented in something doesn’t mean you are best in it. You will not do justice to your talent till you practice it day in, day out and master the same. Hence, you have to “Identify your real talent and pursue it – Period”.

At last, I would like to mention that all of us need to step out of our comfort zone. We can’t just sit peacefully and waste our talent by feeling helpless. Life is not a rose bed and taking risk is a part and parcel of life. Each one of us came with a purpose in life and it’s only after we identify our real talent that we could actually progress towards achieving it. Above all, we have to identify and pursue our talent so that we can contribute our little bit for the benefit of our society, as well as, the entire world.

I hope this blog will help you to identify your real talents and you will definitely pursue it. I wish you all the very best and would definitely like to know about your real talents and your progress in pursuing it. Do remember that you have a bigger purpose in life and there is no other option available but to achieve it. Go for it guys…

God bless you all!

Stay in touch.

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, Crime, Democracy, Freedom, Government, Hindustan, India, Investigation Agencies, Management Lessons, Police, Politics, Slogging, System, Victim, Violence

MLA’s husband slapped the Circle Inspector in Kota (Rajasthan) – Isn’t the Police Force themselves responsible for such kind of ill-treatment with their officers?

A recent incidence in Kota (Rajasthan) has once again ignited the “Battle of Superiority” between the Politicians and Police force. This incidence took place on dated 20th February 2017, when the workers of the present ruling party in Rajasthan state i.e. Bhartiya Janta Party (BJP), went to protest at the Mahaveer Nagar, Police Station, Kota (Rajasthan).

Police version – The Circle Inspector (CI) Mr. Sreeram Badesara, was slapped by Mr. Narendra Meghwal, husband of Mrs. Chandrakanta Meghawal, Member of Legislative Assembly (MLA) from Ramganj Mandi. In response to the same, the police have to use batons on the BJP workers in order to control the situation. It is also to be noted here with that a video of slapping the CI Mr. Sreeram Badesara has gone viral in the meantime.

Politician version – The police manhandled the workers of BJP and arrested a few of them. Later, the MLA, Mrs. Chandrakanta Meghawal went to meet the workers at the police station. Mrs. Meghawal stated that she along with her husband and the BJP District Head were first beaten up by the police force in the garden and later in the chamber, as well. Mrs. Chandrakanta claimed that her husband has not been involved in any kind of violence and he only came in between to protect her.

After this violence, FIR has been lodged by both the parties involved. Now the ball is in the court of the responsible authorities to decide that whose version out of the two is correct and who actually was at fault. But it seems as if at present the axe has fallen on the concerned policemen only because five policemen of that police station are sent to the police line. Obviously, the orders of sending these policemen to police line have been issued by the seniors in the same police force.

Now did the senior police officers took this decision in order to conduct an unbiased investigation in the matter concerned or was it a step taken solely out of the political pressure, is something which only the senior officers could answer to. On the contrary, the local police force has come out openly in support of the staff of Mahaveer Nagar, Police Station. Many of the police stations in the city boycotted the Mess and an Assistant Sub-Inspector (ASI) has been reported to have requested for voluntary retirement in protest against this incidence.

Well, there is nothing wrong in supporting an honest person. In fact, we should always stand by the side of truth and, at the same time, protest and raise our voice against all the injustice happening around us. However, the big question is that when a police officer was slapped by the MLA’s husband, the entire police force got united and stood against their colleague, but what would have been their reaction if such an incidence happened with a common man?

Aren’t such incidences happening every now and then with the common men who doesn’t have any support of power, money or influence behind them? Aren’t the innocent victims always being harassed by the dishonest but powerful people? Whose side the “corrupt” police officers are taking in all such cases? Each and every single member of the police force should introspect that what would have been their stand if such an incidence took place between an honest common man and a dishonest powerful person?  Note: The above questions are only for the dishonest policemen. The honest policemen who always perform their duty diligently with utmost honesty should take a bow and keep up the good work.

When the common man pleads in front of the corrupt police officers for justice, don’t they disappoint the victim by taking the side of the powerful person? If yes, then it would not be wrong to say that the Police Force is themselves responsible for such kind of ill-treatment with their officers. It is because of the corrupt policemen that such powerful people get the courage to sit on the head of the entire department and act as if they are the King. It is nothing but the past conduct of the corrupt officials which comes back in the form of such incidences where even the honest officials get ill-treated. So it is for the entire police department to introspect, take learning from such incidences, as well as, take steps to ensure that no such incidence get repeated with the police force in the future.

I would like to end this blog with the very hope that “Truth and Justice should prevail always”. Let us always stand for honesty and justice, even if we have to fight against those who have the backing of money, power or influence. I do wish that there is peace all around and may the Almighty give good sense to each one of us.

God Bless you!

Peyush Jain

Posted in Common Man, Crime, Investigation Agencies, Management Lessons, Police, Security, Slogging, System, Victim, Violence, Woman

Ruchita Jain murder investigation – Was the approach of investigation officers right in this case?

Disclaimer: This blog is not meant to bring down the image of the Police department or entire investigation agencies. The blogger in true spirit respects the hard work that the Police Department is doing. However, the content of this blog should be taken as learning by the concerned officers, department and each one of us, so that mistakes like these are not repeated in future and the very motive of true justice is actually achieved in the real sense.


Last year, on dated 01st December 2016, a young lawyer named Mrs. Ruchita Jain w/o Mr. K. B. Gupta was brutally killed in broad daylight in her residence located at Flat No. 702, Orbit Apartment – 1, New Bhupalpura, Udaipur (Rajasthan). As per the post-mortem report, she was mercilessly stabbed 17 times with a wrench tool, resulting in serious injuries on her head and body. She died on the spot.

The soul shivers even with the thought that how painful the last few minutes of her life would have been. The loss of someone’s life is irrecoverable and it surely would have changed the life of her husband and their two little kids. This case indeed shocked the entire peace-loving community of Udaipur and left everyone thinking that how safe we all are. For a few days, there was an air of fear and suspicion, in and around the city, especially in the locality where this murder took place. Everyone was coming up with their version of the case or some latest updates on it.

All eyes were finally gazed on the Police Department to crack this case and unearth the culprit, as well as, the motive behind such a cruel incidence. The Sukher Police Station, on dated 22nd February 2017 i.e. 82 days after the incidence filed the 141-page charge sheet with the court. Although the police department and the concerned officers are patting their back for solving this so-called “difficult” case, still there are a lot of questions that has emerged from the working style of the Police Department as is evident in those crucial 82 days.

There were a few lapses on the part of the investigating team, which somehow points fingers on the credibility of the entire department and their working style. Below mentioned 6 points reflects the approach of investigation officers in this case –

  1. The superfast local police officers actually boasted to have solved this case on the very second day of the murder itself i.e. on dated 02nd December 2016, the Superintendent of Police (SP) Udaipur, claimed that they have solved the murder mystery and arrested the husband of the victim on charges of killing his own wife. – Without any solid evidence, against any suspect, is it justifiable to defame them in front of the entire world simply because the investigation agencies have some doubts about their involvement? Was the department in so much hurry to grab the praises that they even forgot to collect any single evidence against the husband before accusing him of being the murderer? Is there any possibility that this was intentionally done so that the actual culprit could get away in the present case?
  1. However, after the above claim by the police department of solving the case, on day 3 after the murder, a new angle came into limelight when one of the residences of the same Apartment, Divy Kothari, surrendered at Fatehpura, Police Station, claiming that he has murdered Mrs. Ruchita. Hence, the police have to release Mr. Gupta (husband of the victim) on account of acceptance of crime by the accused Divy Kothari. – After realising that it was a blunder on the part of the police department to charge and publicly announce the victim’s husband as the murderer, wasn’t it their responsibility to not only publicly accept their mistake but also apologize to Mr. Gupta and his family for defaming them?
  1. Further, the prime accused in this case Divy Kothari was also successful in misleading the police officers by acting so brilliantly that the police officers blindly believed on his side of the story that he was suffering from some mental disorder. Once again the investigation team, solely based on the story served to them by Divy Kothari, almost concluded that the accused was suffering from the mental disorder known as ‘Psychosis’ (loss of contact with reality) and in the influence of the same he killed the victim. – Is it believable that once again without any supporting evidence the officers concerned were eager to reach on to conclusions every now and then in the same case? Was it just a mistake on the part of the department to believe the story of the accused as told by him or was it done intentionally again?
  1. After realising that once again they have made a blunder in believing the claims with plain eyes, the police department got into a thorough investigation which resulted into the fact that Divy was just trying to fool the police officers and thereby mislead the investigation. Further, the team collected all the Forensic Science Laboratory (FSL) evidence “based on the information extracted from the accused”, which resulted in factual proofs to claim Divy as the actual accused in the present case. – Is there any valid reason which such learned officials could provide behind not taking help of the FSL evidence on the very first day of the investigation in a murder case? Is this the normal practice followed by the department to reach on to the conclusion? Isn’t the improper investigation major reason of accused being set free of charge in most of the cases?
  1. Quite surprisingly, even after all these blunders on the part of the department, the Station House Officer (SHO) in charge of the case was reported saying that “It was the toughest and challenging case of his entire life”. (Reference: Report published on dated 23rd February 2017 in Dainik Bhaskar Hindi daily newspaper) – Well, who better than the department people could tell that was this case actually difficult to crack or not? Was it actually a complicated case when the accused himself surrendered in front of the police and accepted that he has murdered Mrs. Ruchita? What was left for the department was to simply collect evidence with the help of the FSL team, based on the information extracted from the accused, isn’t it? Now, was it that difficult to do for such experienced and capable officers of the police force?
  1. Finally, I would like to raise an important point which has been altogether neglected in this case. For your information, a tortoise was found in the house of Mrs. Ruchita Jain and the picture of the tortoise that was clicked by the accused, just before the murder is one of the FSL evidence in the present case. However, there is no mention of the fact that was this tortoise a legal breed that is allowed to be kept as a pet in India or not. If not, then why the officials didn’t lodge any FIR against the responsible person for keeping a tortoise in the house, which under the Wildlife Protection Act is illegal. – Although it is not related to the murder mystery, still it should have been taken care of by the concerned team. In absence of which, we are forced to think that was it sheer negligence on the part of the investigation agencies or were they themselves unaware of the laws prevailing in the country?

At the end, I would like to wish that may the departed soul rest in peace and the culprit gets punished for the offence. I do hope that the investigation agencies work diligently in every case and ensure that none of the culprits is set free just because the investigation done at their end was improper. I would further like to appeal each one of you “To be cautious and be safe” because that is the only way we can reduce the number of such incidences happening around us.

God Bless you all.

Peyush Jain

Posted in Common Man, Financial Risk, Frauds, Human Tendency, Management Lessons, Media, Personality, Privacy, Relationship, Security, Show Off, Slogging, Social Networking Platforms, Technology, Victim

Flaunting too much on social networking platforms? – Beware you are being watched

Are you obsessed with flaunting too much on social networking platforms? Do you enjoy sharing all the events happening in your personal life with the virtual world? Is everyone in your network always aware about your travelling plans? Do you feel proud in flashing with the online community, your event calendar, which comprises of all the forthcoming events that you are planning to attend? If your head nodded against any of the above questions then better beware because you are being watched.

At the outset, let me make it very clear that your social networking account is solely your property and it’s only you who have the right to decide that what and how much you want to reveal about yourself and your activities with the virtual world. I am no one to stop you from sharing your stuff with whoever you wish too. I very well know that it’s none of my business to interfere in your personal life. Hence, this blog is not meant to question your personal choice in any manner, rather it’s an attempt to throw some light on the risk involved with opening up too much on social networking platforms. I urge everyone to read this blog with an open mind and also educate others about the risk they carry with their social networking accounts.

No doubt there is an ocean of data available on the subjects pertaining to the dangers and precautions to be taken while dealing with the virtual world. Still, all of us tend to make mistakes every now and then and hence we need timely reminders to save us from any unfortunate event that might occur otherwise in our life. As such, I have tried to jot down three of the most common practical mistakes visible on social networking platforms which make us vulnerable to a lot of threatening incidences.

The three most common mistakes on social networking platforms are excessive sharing of –

  1. Personal Information – If you feel proud to share your personal life and most importantly your pictures every now and then revealing yourself in expensive attires, displaying the places you often visit, your workplace, your contact details, exposing the details about your family members, name of your kid’s school or any place they frequently visit, etcetera. Then better be cautious because you and your family members are prone to very high risk. The social networking platforms are being watched from every corner and who knows you might soon be hosting an uninvited guest knocking at your door. Sharing of excessive information might also lead to someone stalking you. So it’s better for you to keep a check on things you want to share with others so that you don’t risk your life, as well as, the life of your closed ones. Now next time before sharing too much of your personal information make sure that you at least have a Z+ security by your side to safeguard you from any kind of unwanted incidences happening in your life.
  1. Travel Plans – One of the biggest blunders being committed on social networking accounts is to share the travelling plans. I mean just imagine that you are leaving your home and you publish that information in front of the entire world. By this kind gesture of yours “especially towards the thieves” you not only open your gates for them to trespass your home with utmost ease but, at the same time, you also put the life of your loved ones back home, at stake. Just because you want to flaunt in front of the entire world that you are travelling to different locations on business, personal or vacation trips, you publish such critical information, which in itself is a sufficient data for a person with malicious intentions to take advantage of. Such casual posts of yours, act as the most vital information about your absence from the place of residence. Don’t forget that in this data mining age your account details could very well be churned up based on your past information to extract details such as the most likely time for your next vacation trip, etcetera. Now you can just imagine how safe you, your family members and your property back home is, after that post of yours. Isn’t it a suicidal attempt?
  1. Event Calendar – If you feel proud in flashing with the online community, your event calendar consisting of all the forthcoming events you are planning to attend in the near future, then it’s the right time for you to hear the danger bell ringing exclusively for you. No doubt you get that urge to exhibit in front of the entire world, the prestigious events (which others can’t afford to go) or even the social gatherings you are going to attend, but by this small act of yours, you simply give an opportunity to someone with malicious intentions to either stalk you or even trespass your place in your absence. Showcasing things to the outside world may be a matter of extreme pride for you, but do give it a thought that is your over flaunting attitude somehow making your life too prone to unwanted risk or what.

However, one could easily counter on this by replying that sharing their personal stuff is a means of being in touch with other people. If they wouldn’t be sharing all that, then such platforms would never have been a real success. If people like them don’t flaunt themselves on such platforms then how would others be able to pass their time? It’s only because of people like them who share the so-called interesting stuff that others get the opportunity to peek into their life and enjoy. To all this, I would simply like to say that we are extremely obliged to them for sharing their personal stuff in abundance and we also look forward to more and more “personal” stuff coming from them.

Now, it’s up to you whether you want to “Share Smartly or Simply Share”. The choice is yours after all life is yours. Further, if you think that sharing your details only with “Friends” or “Friends of Friends” is quite safe, then sooner or later this bubble of yours will get burst too, because when the social networking accounts of big personalities are easily being hacked then you can just imagine how safe your account is.

As rightly said by Mr. Johann Wolfgang von Goethe “Precaution is better than cure”, so let us all be cautious before any unfortunate event happens with anyone of us because of our excessive information sharing attitude. Everything has a positive and a negative side attached to it and it’s for us to decide and take advantage of the positive side, while not getting carried away by the negative side. Stay safe and do take a very good care of yourself and everyone around you. Be guided and share the information with others too. Act smart and make use of the social networking platforms wisely.

Be in touch.

God Bless!

Peyush Jain