Home Blog Page 133

Migration amidst Uttarakhand LA Elections 2022

0

With a very less time left in the electoral celebrations in Uttarakhand, we are seeing a number of issues popping up in Uttarakhand. Some guided and directed by political parties while the others are being asserted by the people themselves. A divine place of natural beauty, Uttarakhand is called as Devbhoomi where God resides in each and every place of the land. The saddest thought in our mind emerges due to the migration of people taking place to the lower region of the state. The Migration of people from the hills have led to the villages becoming abandoned and turning into ghost villages. The migration has taken place due to reasons like lack of basic amenities of health, employment and education. Though this central problem of migration has been there for the last two decades, the state has not yet seen a constructive response as a solution to this problem. Elections pass by, the issue is always raised and after the elections, the issue goes to hibernation. Recently, A reverse migration initiative was initiated by the government under the name Raibaar.

For this election, this issue of migration holds a definite significance. The assembly constituencies of Vidhan Sabha for the hilly regions were reduced after the delimitation in 2012 leading to the increase in the number of seats for the plain areas of the state. This was due to the less population and the migration of people in the hilly areas. People fear that when the delimitation process would begin maybe in 2026, the seats for the hilly regions would further reduce. Due to this Migration problem, there have been many concrete demographic changes in the state. These demographic changes are likely to change a lot in the years to come if not controlled in time. Migration has led to many changes in the state. A lot of the population from the hilly regions has come down to the capital Dehradun or to their nearest city area. The thing that will go unnoticed in this election is the way Migration will further reduce the seats of the hilly region in the future. 

This fear has though, let many people search for a way out or raising voice. Despite Hon’ble Prime Minister’s vision of Pahad ka paani aur pahad ki javani, pahad ke kaam aani chahiye, this election would be a direct result of the new vision of Uttarakhand on this call. The incumbent chief minister, Pushkar Singh Dhami has focused on the schemes of Self- employment. Yet it’s just a milestone and we have to walk for a long time. Uttarakhand has seen many changes with respect to cultural and traditional revival. Prime Minister’s dream of rejuvenation of Kedarnath as well as the all weather road has somewhere brought a hope that everything would be in a right direction.

To implement the central government schemes properly, it’s important that the incumbent government repeats. There have been plans for ropeway facilities to Kedarnath and reduce the time travel between Dehradun and Delhi. With a hope that Migration is stopped and there is reverse migration, public would vote for future of Uttarakhand. This election is important for the people of Uttarakhand to decide the future course of their way. The more the parties focus on the issue of migration and show what they will do, if voted to power, there might be a result in their favour.

Even in the extreme cold temperature in Uttarakhand, the elections have increased the political fervour. Migration needs to stop. Uttarakhand needs to come out of the becoming a swing state in order to endorse development and constant growth.

Another failed attempt of SFJ to incite violence on Republic Day

On India’s Republic Day, the banned terrorist organization Sikhs For Justice led by Gurpatwant Singh Pannun once again took resort to Twitter to flourish his anti-India agenda. In a video which surfaced online on January 25th, he could be explicitly seen threatening the Indian government and inciting violence by ordering the Khalistanis to block the borders of Delhi by raising the Khalistani flag and cancelling the parade of Republic Day. This is not the first time when Pannun has adopted such tactics to accomplish his anti-India agenda.

But what’s intriguing this time is that he has used the fake handles as his pawn to encourage violence on the borders of Delhi. With the upcoming Punjab assembly elections and the ongoing Khalistan Referendum, the anti-India elements are leaving no stone unturned to disseminate disinformation in order to fan the flame of violence and vehemence. On January 26th 2021 as well on the pretext of farmers’ protest, ‘Sikh Saviours’ who pretended to care for the farmers had spit venom against the Modi regime and flourished their biased agendas. This year as well they did not shy away from sailing their ship of personal vendetta.  Attached below are the Twitter handles who were solely dedicated to stir up the agenda of the in-famous organization, SFJ.

Sikh, Hindu and Muslim names were used on purpose to create these accounts. Upon scrutinizing, it is evident that the majority out of these 42 handles have been recently created which thereby implies that the handles have been made alone for this single purpose.

These accounts have managed to gain a minimal number of followers by playing the age-old game of ‘follow for follow back’, the usual technique of fake accounts to gain followers on Twitter.

If you scroll through their profiles, you may see for yourself how these accounts are running the propaganda of SFJ and nothing else. Also, retweeting each other’s tweets to amplify the cause. Interestingly, some of these handles are also explicitly running Pakistan’s agenda and among these a few Pakistani handles have been involved as well. Thus, connecting the dots to an epicentre.

For example, the account attached below has username of (balochpak1) which clearly indicates that the account has been running from Balochistan, Pakistan.

What’s worse is that Pannun has stooped to such low level that these accounts are also involved in identity theft. For example, an account named Diya (@Diya78451715) has been using an image from a Dubai based call girl platform.

Another account named Jasminder Kaur (@jasminder_43) has been using an image from an online shopping app of suits.

It was a coordinated and a concocted attempt as the handles involved used the exact same content at the exact same time. Some have even changed their names and profiles pictures time and again so as to not to get caught.

What’s even worse is that the exact same handles had held India responsible for the unfortunate Lahore blast which took place in Paan Mandi, Anarkali Market on January 20th. These handles have tagged Pakistani influencers as well in their tweets.

 In the beginning of the year as well, SFJ handles had run a morphed video which discussed the removal of Sikhs from the Indian Army in a cabinet meeting which in fact, was a forged video. The video garnered a massive 74.4K views.

Thus, it is evident that anti-India agendas like Khalistan Referendum and SFJ are nothing but a null and void attempt to harm India’s integrity and prosperity. Due to handful of such fake accounts, the fire of Khalistan keeps blazing now and then. The truth has been taking a back seat due to such anti-India elements who are hell-bent in disrupting the harmony of the country.

A non-believer’s conversation with god

0

God – Hey human, do you know me?

NON-BELIEVER – No, I don’t know you.

God – I am the God: the most powerful, the most merciful.

NON-BELIEVER – Hey god, do you believe in freedom of expression, freedom of thoughts?

God – Yes, I do human, that’s why I am so merciful, the giver.

NON-BELIEVER – That’s awesome god. I am extremely pleased you do.

God – See, I told you. I am the most powerful, the most merciful.

NON-BELIEVER – God, I would like to say something.

God – Go ahead.

NON-BELIEVER -I don’t believe in you.

God – What the hell ! You are disrespecting me. Those who don’t believe in me, I send them to hell. I order my followers to kill them.

NON-BELIEVER -Your followers kill them who don’t believe you on your orders, because you command them so.

God – Yes, I am the only one god, the most powerful, the most merciful, and those who don’t believe me, I command my followers to kill them.

NON-BELIEVER -But there are many who don’t believe in you but another god.

God – They are demons, I am the only god.

NON-BELIEVER -And that’s why you command your followers to kill them who don’t follow you? If you are so powerful, the creator of heaven and earth, why don’t you just change their minds. What is the need to kill them?

God – Listen, I don’t want to argue. If you don’t believe me; I will send you to hell, I will burn you in hellfire, I will make you go through immense pain, I will peel off your skin, I will boil you in hot water. You don’t know what torture can I do if you don’t believe in me.

NON-BELIEVER -God, whatever you have told just now make me feel that you are the actual demon and not god. All these tortures are demonic, aren’t they? And all those just because I don’t believe in you. How come you are most merciful then?

God – I am the most merciful for my believers only, not for non-believers. I love torturing non-believers. It gives me immense pleasure to burn you non-believers, to slit your throat, to rip off your body with bombs. I will torture you in such ways that you might never have imagined. I am the most merciful.

NON-BELIEVER -You say that you are creator of this universe. You created everything in this planet; am I right?

God – Yes, you are right. I have created every damn thing on this planet.

NON-BELIEVER -You have created me as well.

God – Yes, I did.

NON-BELIEVER – Then how come I don’t believe in you. How come I was born in a faith that worshipped some other god? How come not everyone worship you? How come there are different gods in different parts of the world?

God – Look, all of them are demons. I am the only god.

NON-BELIEVER – You sent me into the family of demons. Don’t you love me that you sent me to a family who worshipped demons?

God – Now, I am calling you back.

NON-BELIEVER – But I don’t want to come now. I want to stay there.

God – F**k You ! I will kill you if you don’t come back. I am the most merciful.

Pakistan: A state gone rogue

0

A country that traces its genesis from the bloodbath of communal fragmentation and has continuously witnessed transition between self-styled exclusionary democracy and harsh military dictatorship in to and fro manner, is setting a new normal in the multilateral world by trying to fix the iffy situation in Afghanistan, or at least flaunt the world their capability to statecraft another state, if not there own.

Pakistan is acting as an unofficial mediator of Afghanistan with other countries, brokering backchannel legitimacy deals in the purview of possible threat emanating from a wrecked country that may become terror lobby, if not given what it asks for.

The tendency of Pakistan to capitalize from terrorism and its spillover is not new. United States, United Kingdom  and other powerful nations almost fell for it multiple times. In fact United States gave Pakistan the status of MNNA (Major Non-NATO Ally) after the 9/11 attacks. But the strategic convergence between the two nations could not hold for very long as Pakistan continued to garner and provide support for terrorism, mocking over the imbecile acts the United States committed to keep Pakistan relevant, like wilfully ignoring Pakistan’s nuclear project to keep India’s growing influence at check.

China has almost trapped Pakistan in the debt trap under the guise of camaraderie. Investing in Pakistan was never on China’s card , they threw the bait of financial aids, and typical Pakistan, like always, fell for it with all allegiance. From the expansion of Belt Road Initiative in the form of China Pakistan Economic Corridor to the up-gradation of Pakistani fighter jets, construction of Ports, and selling Naval ships, China has almost clogged Pakistan financially.

The economic condition of Pakistan is already in a precarious state where exports have plunged, external financial debt has almost reached an all-time high, prices of commodities have skyrocketed, more loans and bailouts are being pledged. Recently a report stated that Pakistan is on the list of the top 10 nations with the largest foreign debts. But, the country is nowhere near the correction mark. Ironically, Pakistan Tehreek -e-Insaf government recently exempted all political parties from the legal obligation of submitting the record of annual income and wealth data.

Political and social instability in Pakistan is at its peak where designated terrorist groups and banned outfits are now deciding the functional role of state and foreign relations with other countries.

PTI, the ruling party, was recently forced to kneel down and accept the demands of TehreekeLabbaik after a long stint of rampant violence spanning across the streets and cities. The banned outfit wants Pakistan to expel the French ambassador and cut diplomatic ties with France over the blasphemy incident, not realizing that France is now being considered as a leader of the European Union and may cost Pakistan its GSP + status in the European market which may lead to severe financial loss to Pakistan over its export of goods in European countries.

At the same time, Pakistan had to ask Afghanistan Taliban to bring Tehreek E Taliban Pakistan, which shares the same geographical and tribal identity, to the negotiating table in the wake of sporadic terror attacks on the Pakistani army and Police forces in Waziristan and surrounding provinces.

Compromising with terrorist groups and fulfilling their demands proves the state of vulnerability Pakistan has succumbed to.
Continuous attacks on Hindu , Shia and Hazara minority and torture inflicted upon Balochs and natives of Pakistan occupied Kashmir(POK) , forced abduction of critics , killing spree over the blasphemy allegations are some of the things Pakistan offers while claiming itself as a state guaranteeing freedom and democracy under the flag of Islamic Republic .

The legitimacy of Pakistan’s idea of democracy can be speculated from the fact that its leaders and members of parliament mock the opposition party’s Hindu candidate and provoke mob to desecrate temples.

Humor breaks its silos when Maulvis and political pundits advise the government to sell off strays to China and fill the coffers & the sitting minister calls victory of the cricket team as the victory of Islam (as if only Pakistan represents Islam, nevertheless Pakistan is all that fundamentalism in Islam stands for).

Pakistan is the perfect example of a country where the virtue of democracy on pen & paper is highlighted to stay relevant in the world. Even after 75 years of frail attempts by Pakistan to persuade the world about its credibility and conviction to manage the state and its affairs, it has failed to prove its credentials . Today , all the major countries view Pakistan as a rogue state that has gone astray.

कांग्रेस का गठन एक षड्यंत्र

Background (पृष्ठभूमी)

अंग्रेजो के शासनकाल मे भारतवर्ष की आजादी के लिये सन १८५७ई. मे वीर क्रांतिकारीयो द्वारा किये गये प्रथम स्वतंत्रता संग्राम के दौरान अंग्रेजो को पहली बार हिंदुस्तान के जनमानस व सैनिको के सामूहिक क्रोध व असंतोष का सामना करना पड़ा।

परमवीर  स्वर्गीय वीर_दामोदर_सावरकर द्वारा लिपिबद्ध किये गये इस प्रथम स्वतंत्रता संग्राम को पढ़ने से प्रथम दृष्टया ये आभास हो जाता है कि इससे अंग्रेजो के साम्राज्य की चूले हिल गयी थी, वो बूरी तरह से घबरा गये थे। इस सैनिक व जनता के मिलेजुले राष्ट्रिय आंदोलन ने हर हिंदुस्तानी के हृदय मे अपने देश के स्वतंत्रता का बीज बो दीया था और वो किसी भी किमत पर आजादी चाहते थे। अंग्रेजो को जानमाल का काफी नुकसान हुवा था और सच पूछे तो इस प्रथम स्वतंत्रता संग्राम से भारत मे बैठे अंग्रेज व ब्रिटेन मे बैठा इनका राजतंत्र बूरी तरह घबरा गया था।

अंग्रेजो ने आंदोलन को बूरी तरह कुचलने के तुरंत बाद इसके पिछे के कारणो को जानने और तत्कालीन वर्तमान स्थिती के बारे मे जानने के लिये एक गोपनीय अनुसंधान (Investigation) कराया। सात खण्डो वाली एक ‘गोपनीय रिपोर्ट’ तैयार की गयी। १९१३ मे प्रकाशित हुयी “ए. ओ.ह्युम” की जिवनी मे इस सात खण्डो वाली गोपनीय रिपोर्ट का विस्तृत चर्चा की गयी, जिसे A.O.Hume को १८७८ ई.मे शिमला प्रवास के दौरान पढ़ने और विचार कर कुछ समाधान निकालने का आदेश मिला था।

इस रिपोर्ट को पढ़ने के बाद फिरंगीयों (अंग्रेजों) को पक्का यकिन हो गया था भारत में ‘असंतोष उबल रहा है।’ और तत्कालीन अग्रेज सरकार के खिलाफ एक बड़ी साजिश रची जा रही है। निचले तबके लोग ब्रिटिश शासन को सशस्त्र क्रांति  के द्वारा उखाड़ फेकने वाले है। इसके पहले १८५७ ई. का जब विद्रोह हुआ था उसमें भारतीय राजाओं नवावो, तालुकेदारो, जमीदारो का नेतृत्व था। लेकिन यह विद्रोह जो पनप रहा था। उसमें समाज का अंतिम व्यक्ति सशस्त्र आन्दोलन कि तैयारी में जुट गया था।

 १८५७ की क्रान्ति के विफलता के बाद भारतीय जनता व सैनिको में पनपते- बढ़ते असंतोष को हिंसा के ज्वालामुखी के रूप में बदलने और किसी भी समय फूटने से रोकने और असंतोष की वाष्प’ को दिशाहीन करने और क्रोध को शांत करने हेतु उस समय के मौजूदा वाइसराय लॉर्ड डफरिन के निर्देश, मार्गदर्शन और सलाह पर  अवकाश प्राप्त आई.सी.एस. अधिकारी स्कॉटलैंड निवासी ऐलन ओक्टोवियन ह्यूम (ए.ओ.ह्यूम)  और उनके ७२  साथियों ने २८ दिसम्बर, १८८५ ′ को भारतीय राष्ट्रीय कांग्रेस की स्थापना की। ईसका उद्देश्य ब्रिटिश सरकार के लिये एक ‘सुरछाकवच’ के रूप मे कार्य करना था

पंजाब केशरी व महान क्रांतिकारी स्वं लाला लाजपतरायजी ने यंग ईंडीया मे छपे अपने एक लेख में लिखा था कि ”कांग्रेस लॉर्ड डफरिन के दिमांग की उपज है।” इसके बाद अपनी बात आगे बढ़ाते हुए उन्होंने लिखा था कि, ”कांग्रेस की स्थापना का उद्देश्य राजनीतिक आजादी हासिल करने से कही ज्यादा यह था कि उस समय ब्रिटिश साम्राज्य पर आसन्न खतरो से उसे बचाया जा सकें। यही नही उदारवादी सी. एफ. एड्रूज और गिरजा मुखर्जी ने भी १९३८  मे प्रकाशित ‘भारत में कांग्रेस का उदय और विकास’ में ‘सुरक्षा कवच’ की बात पूरी तरह स्वीकार की थी।

१९३९ई में राष्ट्रीय स्वयंसेवक संघ के सर संचालक एम. एस. गोलवलकर ने भी कांग्रेस की धर्मनिरपेक्षता के कारण उसे गैर- राष्ट्रवादी ठहराने के लिए ‘सुरक्षा कवच’ की इस परिकल्पना का इस्तेमाल किया था। उन्होंने अपने परचे ‘वी’ (हम) में कहा था कि हिन्दू राष्ट्रीय चेतना को उन लोगो ने तबाह कर दिया जो ‘राष्ट्रवादी होने का दावा करते है। गोलवलकर के अनुसार, “उस समय ‘उबल रहे राष्ट्रवाद’ के खिलाफ ‘सुरक्षा कवच’ के तौर पर कांग्रेस की स्थापना की गई थी।”

राष्ट्रवादी नेतावो का मानना था कि:-

ए. ओ. ह्यूम और दूसरे अंग्रेज उदारवादियों ने कांग्रेस का इस्तेमाल ब्रिटिश सरकार के ‘सुरक्षा कवच’ के तौर पर करना भी चाहा हो, तो भी ये लोग कांग्रेस के लिए ‘तड़ित चालाक’ जैसे काम करेंगे और आन्दोलन पर गिरने वाली सरकारी दमन की बिजली से उसे बचा लेगे और जैसा कि बाद के हालात गवाह है, इस मामलों में राष्ट्रवादी नेतावो का अंदाजा और उम्मीदें सही निकली।

निष्कर्ष:-

आरंभिक दिनो मे इस पार्टी का उद्देश्य ब्रिटेन से भारत की आजादी की लड़ाई लड़ना नहीं था। कांग्रेस का गठन देश के प्रबुद्ध लोगों को एक मंच पर साथ लाने के उद्देश्य से किया गया था ताकि देश के लोगों के लिए नीतियों के निर्माण में मदद मिल सके। क्रांतिकारीयों के गतिविधियों का पता लगाया जा सके और उनके आंदोलन को कूचला जा सके। थियोसॉफिल सोसायटी के १७ सदस्यों को साथ लेकर एओ ह्यूम ने पार्टी बनाई। इसका पहला अधिवेशन मुंबई में हुआ जिसकी अध्यक्षता व्योमेश चंद्र बनर्जी ने की थी।

कांग्रेस का चरम व ढलान:-

1907 में काँग्रेस में दो दल बन चुके थे – गरम दल एवं नरम दल। गरम दल का नेतृत्व  स्वतंत्रता सेनानी स्व. श्री  बाल गंगाधर तिलक, स्व. श्री लाला लाजपत राय एवं स्व.श्री  बिपिन चंद्र पाल (जिन्हें लाल-बाल-पाल भी कहा जाता है) कर रहे थे। नरम दल का नेतृत्व गोपाल कृष्ण गोखले, फिरोजशाह मेहता एवं दादा भाई नौरोजी कर रहे थे। गरम दल पूर्ण स्वराज की माँग कर रहा था परन्तु नरम दल ब्रिटिश राज में स्वशासन चाहता था। प्रथम विश्व युद्ध के छिड़ने के बाद सन् १९१६ की लखनऊ बैठक में दोनों दल फिर एक हो गये और होम रूल आंदोलन की शुरुआत हुई जिसके तहत ब्रिटिश राज में भारत के लिये अधिराजकिय पद (अर्थात डोमिनियन स्टेट्स) की माँग की गयी। १९१५ में गाँधी जी के भारत आगमन के साथ काँग्रेस में बहुत बड़ा बदलाव आया। १९१९ में जालियाँवाला बाग हत्याकांड के पश्चात गान्धी काँग्रेस के महासचिव बने। तत्पश्चात् राष्ट्रीय नेताओं की एक नयी पीढ़ी आयी जिसमें स्व. श्री सरदार वल्लभभाई पटेल, जवाहरलाल नेहरू, स्व. श्री डॉक्टर राजेन्द्र प्रसाद, स्व. श्री महादेव देसाई एवं अमर स्वतंत्रता सेनानी और आज़ाद हिन्द सर्कार के प्रथम प्रधानमंत्री श्री सुभाष चंद्र बोस आदि शामिल थे।

महान सुभाष चंद्र बोस व गाँधीजी के विचारो मे द्वंद:-

सन १९२१  में भारत आते ही सुभाष चंद्र बोस ने गांधीजी से मुलाकात की और इसके बाद कांग्रेस में काम शुरू कर दिया था। यूथ कांग्रेस के अध्यक्ष भी चुने गए और कांग्रेस में उनका रुतबा भी काफी बढ़ गया। लेकिन, श्री सुभाष चन्द्र बोस, श्री बाल गंगाधर तिलक (गरम दल) के समर्थक थे जबकि गांधी श्री गोपाल कृष्ण गोखले (नरम) दल के। शुरूआती मतभेद यहीं से उभरने शुरू हुए। सन १९२७ में श्री  सुभाष चंद्र बोस ने ‘पूर्ण स्वराज’ का नारा दिया। यह पहला मौका था जब गांधी जी और उनके बीच के खराब संबंध सामने आए। सन १९२८ में इस नारे को कमजोर कर दिया गया। नरम-गरम दल के बीच दूरियां इसमें काफी बढ़ी। इसके बाद १९२९ में गांधी जी ने नेहरू को कांग्रेस का अध्यक्ष बना दिया।

ध्यान देने वाली बात ये है कि हिंदुस्तान रिपब्लिक सोशलिस्ट एसोषियेसन के जाबाज क्रांतिकारीयों जिसमे आजाद, बिस्मिल, अशफाक, भगत सिंह सुखदेव, बटुकेश्वर इत्यादी शामिल थे उन्होने भी “पूर्ण स्वराज्य” का नार बूलंद किया जिसकी गूज ब्रिटेन मे बैठे राजघराने के कानो मे भी पड़ने लगी और फिर १९४२ में बोस के इसी नारे को नए ढंग से पेश कर कांग्रेस ने देशभर में बड़ा आंदोलन छेड़ा था।

यादे रखें

दांडी मार्च :

सन 1930 में जब गांधी जी ने दांडी मार्च किया तो श्री सुभाष चंद्र बोस इसके समर्थन में आ गए जबकि जवाहर लाल नेहरू ने इसका विरोध किया था। नेहरू इस मार्च से डरे हुए थे जबकि बोस ने इसकी तुलना नेपोलियन के मार्च से करते हुए इसे ऐतिहासिक बताया। इसे लेकर दोनों नेताओं के बीच वैचारिक खटास को सभी लोगों ने साफ तौर पर महसूस किया था।

गोलमेज सम्मेलन 1931:

दूसरे गोल मेज सम्मेलन के बाद तो सुभाष चंद्र बोस ने गांधी जी से सीधे तौर पर सवालात किया। गांधी जी ने इस सम्मेलन में अल्पसंख्यक का मुद्दा उठाया था जबकि बोस का स्पष्ट मानना  था कि यहां भारत की आजादी को लेकर बात होनी चाहिए थी। इस मुद्दे पर गांधी जी की वजह से नेहरू और बोस के बीच दूरियां बढ़नी शुरू हो गई थी। सन १९३८ ई. मे गाँधीजी व नेहरू के लाख विरोध के बाद भी श्री सुभाष चन्द्र बोस ने कांग्रेस के अध्यछ पद का चुनाव जित लिया जो गाँधी जी को कत्तई नही भाया और उनके आह्वान पर तत्कालिन कांग्रेसीयों ने अपने स्तिफे देकर सुभाष चंद्र बोस को काम ही नही करने दिया।

सन 1939 मे कांग्रेस के अध्यछ पद का चुनाव:-

गाँधीजी, सुभाष चंद्र बोस जी के गरम दल वाली नीतियों के विरूद्ध थे अत: वो कभी नही चाहते थे कि कांग्रेस का अध्यछ कोई गरम दल वाला बनें अत: जब सुभाष चंद्र बोस ने कांग्रेस के अध्यछ पद का चुनाव लड़ने की ठानी तो पहले गाँधी जी ने उन्हें उम्मिदवार ना बनने के लिये कहा और फिर अपने शागिर्द पट्टाभी सितारमैया को अपना उम्मिदवार बनाके सुभाष चंद्र बोस को सामने खड़ा कर दिया। कांग्रेस मे सुभाष बाबू का रुतबा ईसी से पता चल जाता है कि गाँधीजी के विरोध के बावजूद सुभाष बाबू ने पट्टाभी सितारमैया को भारी अंतर से पराजित कर अध्यछ पद का चुनाव जित लिया!

गाँधीजी ने पट्टाभी सितारमैया की हार को अपनी व्यक्तिगत हार मानी और एक बार फिर अपने अनुयायियो को कांग्रेस से स्तिफा देने को लिये भावानात्मक प्रार्थना की जिसका परिणाम के हुवा की सरदार पटेल तक ने स्तिफा दे दिया…… इस असहयोग से दुखी होकर सुभाष बाबू ने कांग्रेस से स्तिफा दे दिया और आल ईण्डिया फारवर्ड  ब्लॉक की स्थापना की।

शेष अगले अंक में भाग-2

ये लेख वेबदुनिया मे किये गये शोधो व अनुसंधानो के आधार पर संकलित किया गया है यदि किसी व्यक्ति विशेष को आपत्ति है तो अपनी आपत्ती के अनुसार साछ्यो के आधार पर ईसे दुरूस्त कर सकता है…..

धन्यवाद…..

Why does India need Capex?

0

India since 1991 needed an infrastructure boom which happened somewhat in the first decade of the century (2000-10). Capital expenditure is the funds used by the government to acquire physical assets like roads, dams, equipment, technology etc. It is the expenditure which creates short term pain for long term benefits. On the contrary, India heavily allocates its funds on revenue expenditure. John F. Kennedy once said, “American roads are not good  because America is rich, but America is rich because American roads are good. Every rupee spent on capital expenditure increases the income/output of the economy by 3.25 rupees through the multiplier phenomenon. On the contrary, it is only 0.85 rupee in the case of revenue expenditure. That is why it is the need of the hour for India to spend adequately on capital expenditure.

It becomes important to mention that the composition and texture of government expenditure is of paramount importance for  economic growth. Following noteworthy points must be taken into consideration: 

1. Education and skill development 

2.Matters of economic affairs 

3. Investment made by the government 

4. Physical capital and infrastructure 

5. Healthcare Systems 

6. Rule of Law and its implementation 

7. National defence and expenditure on security purposes 

In the long-run case, expenditure incurred on (1), (2), (3) and (4) have positive and long  term impact on economic growth.

On the contrary, in the short run scenario, expenditures on (5), (6), (7) have positive  and immediate impact on economic growth.. The government also plays a crucial role  in determining the pattern and sequence of economic growth through reforms made on  public expenditures. These reforms determine directly how much of an economy’s resources to divert to its own use and how the remaining resources should be allocated  to accelerate economic growth. 

The government should  increase its investment in areas that are congenial to the private sector. Private sectors  should be promoted, and the government must take care of the infant industry. Private sector is way more productive than their public counterparts. Government should encourage  productive investment expenditure which is incurred on expenditure on buildings,  dams, machinery, and capital goods. These all activities generate positive externalities (network) which further raises private investment and thus provides an impetus for economic growth. More resources should be allocated in areas of physical infrastructure  and it’s development so that it may stimulate economic growth as mentioned in the  vision 2030. According to SDG 2030, poverty must be eradicated. In order to do this,  the government’s role becomes crucial. State government should spend heavily on  infrastructural projects.

    Types of Government Expenditure                    Multiplier
          Revenue Expenditure                      0.85
          Capital Expenditure                      3.25

The principal reason behind adequate expenditure on physical infrastructure in areas such as roadways, buildings, dams, sanitation programs is because it contributes significantly as well  as effectively to economic growth. This is done by increasing the marginal  productivity of inputs in the private as well as public sectors. Public-Private Partnership  mode must be on in any country. They alone can’t bring efficiency. It is further noticed  that high government expenditure on communication networks, transportation, railways  and efficient projects create an attractive environment for the business community to thrive  and flourish through reduced cost of production. The government should raise its  expenditure and put more allocation to human capital formation through skill  development programs. Human capital always avoids diminishing returns on  factors of production.

This could be done through provision of proper and state-of-the-art education and  technical facilities such as schools, colleges and internship facilities and employing  more teachers, ensuring access to quality and economical education to all of its  citizens. This will reduce the average cost incurred on education and consequently, it  will help in the upliftment of weaker sections of the society. Government should keep  an eye on merit goods as these create positive externality and help in nation building.  It will sustain the long run economic growth and increase the productive capacity. Health care sector must be addressed by the government by allocating more funds. Proper health facilities create more productive human capital which in turn creates  more output. Ayushman Bharat is an example of this as this scheme helped millions  of citizens to get medical facilities at a nominal price. 

If doctors and nurses are provided quality training then the health sector will be  automatically developed and average life expectancy of residents will improve. A  productive and healthy person is always beneficial for the economy. As the saying  goes,”I do not hate criminals, I hate sick men”. This drives the conclusion that medical facilities are of paramount importance in any economy. India lags behind in the Human  Development Index because of poor health facilities. Healthy nation is always a wealthy  nation. 

There should be efficient management of public debt. Public debt to some extent  increases the demand and output of the economy. But if this limit is breached, then it  affects the economy in a wrong way. India spends 22% of its budget on interest  payment incurred on debt. India borrows 30% of its budget. This must be minimised to 20% so that it may decrease the interest payment. Deficit financing through borrowing impacts the private investment severely. It raises the interest rate and  consequently crowds out private spending. There should be perfect assimilation of two types of budgeting, namely, performance  based budgeting and zero based budgeting. Government should not allocate more funds  in those sectors which are not giving returns as it was expected.

Funds must be raised on productive sectors which have forward as well as backward linkage. Government  should borrow loans at a minimum rate of interest and payment must be in Indian Rupee. India won’t default on the debt which is in it’s home currency. “Export Promotion  Capital Goods” scheme must be implemented at a faster pace. This will make the Indian  industry more competitive in foreign trade. Focus must be made on manufacturing and  construction sectors as its employment elasticity is high. These sectors not only create  capital and durable goods but also creates employment which in turn increases output.  Tourism sector in India is always undermined. India has not known it’s huge potential.  This sector increases income of nearby localities (Taj Mahal and Statue of Unity).

This signifies that the government must have effective and efficient policies for long and sustained development in order to avoid or minimise crowding out the private investors  who play an instrumental role in the growth and development of the state. In India, if the government spends 100 Rupees on capital expenditure then at least 30 rupees come  back to the government in form of income taxes and GST on goods. Therefore, the government  should not be reluctant to spend on infrastructure. 

The allocated efficiency in the public sector can lead to enhanced efficiency in the competitive markets for goods as well as services. Government should make the factor market more competitive and must avoid the creation of a monopoly in the economy. Monopoly can’t mobilise the funds in an efficient and judicial way. The government  must keep an eye on defence and military. This is certainly because when these sectors’  allocation is increased significantly, there is a remarkable change in economic growth.  These sectors conspicuously help to improve safety within the economic situation. Subsequently, it increases financial activities in the areas of travel and tourism as well as Foreign Direct Investment. 

It is equally important for policy reformers to pay heed not just to the size of  government expenditure, but also to its texture and composition. According to the Rahn curve, it is advisable that government expenditure should not exceed 25 percent of GDP  of any state. If this limit is breached then is detrimental for any economy and it consequently retards the growth.  

At last, efficiency in government expenditure can be enhanced by transparency and  accountability only. A state must focus on those sectors which have the highest  employment elasticity. It must stress on capital expenditure as it promotes long term  growth. India should try to become a capital intensive country. Agriculture sector needs a radical change. It only adds to 18% of GVA and employs 50% of the workforce. It is quite absurd and must be paid attention. New Farm Law has the potential to remove this disparity.

 The  share of government expenditure should be as follows:

  •  70% of total expenditure should go to revenue expenditure
  •  30% of total expenditure should go to capital expenditure. 

But in 2019, the share was 85% and 15% for these two. A special committee should be  set up to review the cost and benefit analysis of the budget. Government must follow it’s recommendation. This will make the budget more efficient and pro-development. The government should reduce its size to an optimal one by adopting a policy on strategic privatization and appreciate the private partners in the economy. This will  reduce the debt on the government and our future generation will not have to pay for us.

Why Arnab Goswami is Everyone’s Favorite?

0

Who is Arnab Goswami?

Arnab Goswami is an Indian news anchor and journalist who was born on 7th March 1973 in Assam’s beautiful city Guwahati. Goswami has previously worked with many different news firms like Times Now etc.

In the 2017 Arnab Goswami launched his own news network called Republic TV Network. This network is India’s most favorite and most watched news network. Republic TV, Republic Bharat, Republic Bangla, Republic World are the channels and digital platform created by Republic TV Network. The headquarters of this Network are based in India. Goswami is currently the Managing Director and the editor-in-chief of the Republic TV Network.

Why Arnab Goswami is everyone’s favorite:

Arnab Goswami is loved by the people of India. Also the people who hates Arnab are none other than the hypocrites.

As always Arnab Goswami preferred to be with the public, as a journalist he always speaks for the truth and for the public. Not only this Arnab nowadays also has started a show called Arnab Live on every Saturdays on 9pm ist, this show is meant for the public, he called at least 4-5 public to his show and ask for their opinions and point of view about a particular topic. This shows as how Arnab is for the public and always supports the truth.

In his regular debate shows he was put up public thoughts and views from Twitter, Koo and republicworld.com.

Arnab always put the idea of NATION FIRST ALWAYS!

From the shows like NATION WANTS TO KNOW to THE DEBATE WITH ARNAB GOSWAMI, everywhere we heard Arnab saying Nation First, this shows us how Arnab loves his nation and is a true Nationalist and a Patriot.

Well, after going through the above written details, you might have a good idea that Arnab Goswami is everyone’s favourite, not only adults like him but kids also likes him a lot.

Also, ARNAB has a huge viewership for his Shows.

At last I would like to add that Truth Always Wins, therefore Arnab is always a Winner!

Thank you Readers!

Dynocracy is fast replacing democracy in India

Recently, I had a frantic search for word ‘dynocracy’ in Google Search as a form of government as the term came to mind when I was reading a news story on the offer of Aam Aadmi Party and Shive Sena party tickets to Utpal Parrikar, the son of former BJP Chief Minister of Goa late Manohar Parrikar, who has been denied BJP ticket to contest for ensuing state assembly election. I did not find presence of the term ‘dynocracy’ in the list of form of governments where totalitarian, autocracy, oligarchy, monarchy, democracy, communism, socialism, aristocracy, theocracy, etc. etc. human civilization has so far experienced. Finally, I decided to include ‘dynocracy’ in the above list as a form of government as I am convinced that this effort of this author will be rightly accepted as Indian politics has slowly but steadily been marching towards ‘dynocracy’ form of governance, a new one. All fans of Indian democracy and political scientists -world over- are requested to read this column before passing their judgment whether to include ‘dynocracy’ in the above list of form of government or not.

Then, what is ‘dynocracy’, means definition of it like other form of government has? The definition of ‘dynocracy’ is very short and simple. This is ‘democratically elected dynasty that rules the state’ or dynasty plus democracy make ‘dynocracy’ or a few families get the right to rule getting elected either uninterrupted or alternatively as seen in New Delhi with rules of NehruGandhi dynasty for decades and between Abdullah and Mufti in Srinagar, between Naidu and Reddy in Amaravati (Andhra), etc.

The word dynocracy has not been invented and not in use so far simple because in all democracies except India, there is no dynasty/political families that use to get perpetually elected election after election generation after generation for decades in length like for examples India has NehruGandhi dynasty in national capital, and in state capitals, Abdullah-Mufti dynasties in Srinagar, Badal-Singh in Punjab, Hooda-Chautala in Haryana, Gehlot-Pilot-Raje in Jaipur, Solanki in Gandhi Nagar, Pawar-Thackray-Chauhan in Mumbai, Gowda-Bomai in Bangaluru, Karunakaran in Tiruvanathpuram, Karunanidhi in Chinnai, Reddy-Naidu in Andhra, Rao in Hyderabad, Patnaik in Bhubaneswar, Scindia-Singh in Bhopal, Yadav-Mayawati-Chaudhury in Lucknow, Yadav in Patna, Soren in Ranchi, Banarjee in Kolkata, Sagma in Shillong, Gogoi in Dispur, etc. There may be some missings in the above list. But the majority and prominent political dynasties are covered.

Also all political parties are greatly infected with political dynasties, but not to that extent Left parties so far. Left parties are not so infected with dynocracy virus, may be because they are in sinking boats as communism as a form of government has lost its shine. However, it is difficult to ignore Kerala’s Left Front government led by CPIM’s Panarayi Vijayan’s promotion of his son-in-law. Possibility of Pinarayi promoting his son-in-law, who is now hold senior cabinet position despite being elected to state assembly for first time, to build his dynasty lineage as seen in communist ruled North Korea and Cuba cannot be ruled out.

Even majority of political parties, except the so-called Rightist and Leftist, including grand old party and almost all regional political outfits are headed and one can confidently say owned by dynasties, and have been run as family enterprises in more or less corporate style at a time when corporate honchos, who are in fact built their enterprises on their own, thinking to hand over their enterprises to professionals if we go by the year back announcement of mining and metal behemoth Vedanta’s Chairman Anil Agrawal that he might not hesitate to chose professional over family member to lead his business, post retirement. Again when corporate honcho think for their retirement, politicians carry their power position to their death bed, the tradition started by Nehru, the first PM and head of government, though he persuaded first President of India, the head of state having no executive power, to not go for third term following American practice where the President is both head of government and head of state.

Let us now discuss the evolution and grooming of political enterprises which contributes to establishment of ‘dynocracy’. In the world’s first and oldest constitutional democracy, in US, though there was no number of term restriction constitutionally to be elected to The White House, yet no President till F. D. Roosevelt wished to get elected beyond second term -despite many of them were enjoying unprecedented charisma- thus prevented personalization and subsequently familisation of US’s body politics as seen in India within second decade of self-rule, started in late 1950s when Nehru appointed his daughter as Congress Party President, and 1960s when Indira utilized Nehru’s personalization and familisation to dominate in the party affairs and grabbed the power as soon as opportunity for the same came (I am not discussing the Tashkent file of film-maker Vivek Agnihotri) and that later facilitated dynasty politics. What happened in Congress Party later, all political observers in India and abroad know. Now, the party is in such a state that many prominent leaders are bowing before the family owner despite it is a known fact that latter is not capable of reviving the party on the face of cut-throat competition from BJP.

Now, let us discuss how the dynasty politics that originated in grand old party spread its wings to other parties and country’s body politics. Post independent, literally there was no political party in India which had Congress Party kind spread throughout length and breadth of India. BJP, now the largest national level party, is late 20th Century phenomena. However, there were a few regional parties including Akali Dal in Punjab in North India and DMK in Tamilnadu in peninsula India’s southern end. These two parties started with socio-cultural-religious and regional/state aspirations, but over the years of time -one can now say- they became families owned parties meeting families/dynasties aspirations generation after generation.

Being inspired by dynasty politics of these two regional parties and grand old party, many other politicians started their personal ideology based parties such as Bahujan Samaj Party(BSP), Socialist Party(SP), Telugu Desam Party(TDP), Nationalist Congress Party(NCP), etc. BSP started by dalit leader Kanshi Ram to emancipate dalit’s socio-economic status, but now the party has reduced to Maywati’s family corporate who usurped Kanshi Ram legacy after his death and allegedly sale party tickets to fatten her family coffer and decorate her with precious metal in rallies. And SP started by some eminent socialist leaders from Congress Party led by Dr. Ram Manohar Lohia is now owned by Akhilesh Yadav who has not only usurped socialist philosophy of founders but also ousted his own father from the party, who usurped his party predecessors’ legacies to make it a family fiefdom, in style and manner comparable with medieval Mughal era palace coup(Aurangzeb-Shahjahan).

In this regard, a very interesting incident happened in Odisha after the death of legendary and charismatic Janata Dal leader Biju Patnaik. During his life time, he did not allow any of his family members to enter politics. But, after his death, his followers in Janata Dal brought in his son Naveen Patnaik from political nowhere and installed him as party president forming a regional outfit called Biju Janata Dal(BJD). Later, BJP, which was desperately searching for a foothold in Odisha joined them, and together they contested several elections till 2009 with unprecedented successes. Now, most of the Biju loyalists have been evicted from the party, and BJP is not in alliance, yet BJD is growing formidable in the state. Though Naveen is single like PM Modi, BSP’s Maywati and TMC’s Mamata, yet he has not brought in any of his family members to party politics to inherit the party like Maywati and Mamata. But Naveen is promoting dynasties if one goes by the party ticket distribution. Recently, per example, he gave party ticket to Rudra Pratap Maharathi to contest in by-election necessitated by death of his father Pradeep Maharathi.

Sometimes, it comes to my mind that bachelor PM Modi is strongly opposed by non-BJP parties and several of his party colleagues because he is dead against dynasty politics in letter and spirit as he himself does not allow any of his family members to enter into politics. It is different matter that whether any of his family members have shown interest in politics or not. His political opponents with dynasty ambition might be thinking that Modi is creating a precedent detrimental to dynasty politics or dynocray by way of not allowing BJP to be owned neither by him –the supreme leader in the BJP at present-, nor by anybody else. He did not give party ticket to Utpal Parrikor. Earlier, he denied party ticket to Yashwant Sinha, who later turned a bitter critics of Modi, though his son, a brilliant economist Jayant Sinha was offered party ticket and won twice consecutively to Parliament and holds important position in governance since then. But, the political environment in India has come to such a state now that it is difficult to avoid dynasty politics. The same BJP has offered tickets to mother-son duo Menaka Gandhi and his son Varun, welcomed dynasty product Jyotiraditya Scindia from Congress while fighting against dynasty politics of Vasundhara Raje Scindia in Jaipur in BJP itself. And not long ago, BJP virtually backed Naveen Patnaik in Bhubaneswar and Badal’s in Punjab, and had alliance with dynasty owned TDP and LJP.

In view of the above, why not gets a brand new term for new form of government in ‘dynocracy’ to better describe the prevailing so-called democracy in India than hypocritically clinging to democracy?

India recognizes, finally pays respects to Netaji

0

This year is the 125th birth anniversary of Netaji Subhas Chandra Bose. We Indians do not hear much about this real hero of India’s freedom struggle, who traveled to various countries to muster support for Indian independence. While Gandhi, Nehru and other Congress leaders were meek and passive in their approach, Netaji was bold and aggressive. He believed, and rightly so, that freedom is never given, it has to be taken by force. During the period between the two World Wars, the Congress was dominated by people who were weak and unable to stand up to the British. They believed India would get freedom by begging or appealing to the so-called “sense of fair play” of the British.

Gandhi supported Nehru more than anybody else and enabled him to control the Indian National Congress. The result was that where we should have opposed the British, we collaborated with them in their war efforts by sending the Indian army to fight a war that had nothing to do with India. The result was more than a million Indian soldiers perished in the war.

When India finally achieved independence, Nehru became India’s first prime minister. He gave India three gifts that still haunt the Indian government and public, seventy-five years after independence.

The first gift is the unsettled situation of Kashmir. At the time of independence, Pakistan sent its army into Kashmir and forcibly grabbed a huge chunk of the state of Kashmir in spite of the Maharaja of Kashmir having signed the instrument of accession for India. India could have easily sent its own forces to Kashmir which would have driven off the invading Pakistani forces. Instead, Nehru did not agree to do that and appealed to the United Nations for help. The UN proposed a ceasefire, which left almost half of Kashmir in the hands of Pakistanis. It also gave an excuse to Pakistan to insist on implementing the 75-year old UN resolution no. 242.

The second major blunder that Nehru made was to refuse an offer from the American Secretary of State at the time, John Foster Dulles, to give India a permanent seat in the Security Council which Nehru declined, in view of his belief in non-alignment. Now, we have been asking for a permanent seat for the last fifty years, and nobody is listening.

The third grave mistake of Nehru was in not pushing the outgoing British administration to settle the border with China. This has resulted in China claiming thousands of square miles of Indian territory in Arunachal Pradesh, Bhutan, Sikkim, Tibet, and elsewhere, resulting in violent clashes between the Chinese and Indian forces. Had Subhas Chandra Bose been at the helm of Congress in place of Nehru who had been forcibly installed at the insistence of Gandhi, things may have been different.

Ordinary folks believe in the leaders whom they choose. But leaders can also be smart and hide their true persona at the time of election. By the time people can begin to see through their game, it is usually too late.

It is good to live in a democracy, but democracy is not a bulwark against stupidity. The American people elected Donald Trump with great fanfare, without realizing what a big fool he was. Similarly, the British conservatives elected Boris Johnson, a clone of Trump, but he also turned out to be a fool. Not only did he not comply with Covid regulations, he held an all-night drinking party at 10 Downing Street, and that too on the night before the funeral of Prince Phillip. Our erstwhile Indian prime minister Narasimha Rao, with years of foreign policy experience, became the only world leader to give recognition to the brief military takeover of govt. in Russia in 1991. Two days later, when Yeltsin retook the reigns of government, after standing on top of a military tank, the Indian govt. had to withdraw its recognition. It was the most embarrassing ???? ??? in the history of international relations.

Thinking about these three great leaders of the world’s greatest democracies, I am inclined to agree with the poet, Alexander Pope, who said, “Fools rush in where angels fear to tread.”

बैंकिंग प्रणाली कितनी न्याय- संगत?

0

28 अगस्त, 2021 को सुप्रीम कोर्ट के जज न्यायमूर्ति डॉ  यशवंत चंद्रचूड़ ने छठे मुख्य न्यायाधीश एमसी छागला की स्मृति में आयोजित आभासी कार्यक्रम में व्याख्यान देते हुये समाज के बौद्धिकों से जो कुछ आह्वान किया उसका सारांश यही है कि तथ्यपरक आवाज उठाते रहना है। इसके कुछ ही दिन पहले टेलीविजन परिचर्चा  के दौरान एक ख्यातिप्राप्त कॉर्पोरेट विश्लेषक ने भी बैंकिंग  प्रणाली से व्यथित होकर एक टिप्पणी करते हुये यानि अपनी आवाज उस परिचर्चा के माध्यम से उठा हम सभी श्रोताओं के ध्यान में ला दी थी और इन दोनों टिप्पणीयों को दृष्टिगत रखते हुये आम जनता से सम्बन्धित बैंकिंग प्रणाली वाले केवल दो मसलों को संक्षेप  में बयाँ कर, यह पोष्ट सभी को सुधार हेतु इस आशा के साथ प्रेषित कर रहा हूँ ताकि कोई तो बैंकिंग प्रणाली से सम्बन्धित अधिकारी/ राजनेता या इलेक्ट्रॉनिक मीडियावाले/ अखबरवाले इन मसलों पर अपना सकारात्मक सहयोग अवश्य प्रदान करेंगें क्योंकि यह किसी एक व्यक्ति का नहीं बल्कि साधारण आम जनता से जुड़े मसले हैं। 

यह विडम्बना ही है कि केन्द्रीय बैंक यानि रिजर्व बैंक में सभी पदाधिकारी चाहे वो अधिकारी हों या डायरेक्टर सभी की विद्वता में कहीं भी किसी भी प्रकार की कमी नहीं हैं। फिर भी कुछ ऐसे मसले हैं जिस पर बार बार अवगत कराने  के बावजूद वे लोग किसी भी प्रकार का सुधार करते नजर नहीं आ रहे हैं। ऐसे अनेक उदाहरण हैं जहाँ विभिन्न प्रकार के डिजिटल लेन देन पर बैंकें खर्चें वसूल कर रहीं हैं जिसके चलते ही आम जनता नगद लेन देन ही पसंद करती है और इस तथ्य की पुष्टि हाल ही में रिजर्व बैंक द्वारा जारी की गयी रिपोर्ट में हुयी है। रिजर्व बैंक ने जानकारी देते हुये बताया है कि आम जनता के पास नोटबंदी के दिन से 57.48 प्रतिशत ज्यादा नगदी है जो एक रिकॉर्ड है। उसी जानकारी में बताया गया है कि नोटबंदी के दिन लोगों के पास 17.97 लाख करोड़ मुद्रा थी जो 8 अक्टूबर,2021 को समाप्त पखवाड़े में 28.30 लाख करोड़ हो गयी है।

1] पहला मसला बैंकों के शुल्क से सम्बन्धित है। जहाँ कुछ बैंकों में एक लेन देन पर तीन तरह के शुल्क लगते हैं, तो कुछ में दो तरह के, लेकिन एक तरह का तो सभी में।
] ओटीपी [एक ऐसा पासवर्ड जिसका सिर्फ एक ही बार उपयोग किया जा सकता है]: आप एस.एम.एस [संक्षिप्त संदेश सेवा] की सुविधा नहीं लेते हैं तब तक आपको ओटीपी वाला एस.एम.एस मिलेगा ही नहीं और एस.एम.एस प्राप्त हेतु बैंक आपका बचत खाता में सालाना कहिये या हर माह एक शुल्क वसूलता है।जबकि इस तरह के एस.एम.एस को क़ानूनन आवश्‍यक/बाध्यकर [मैनडेटरी] श्रेणी में रखा जाना चाहिये ताकि बचत खाता धारक को बिना शुल्क के ओटीपी का एस.एम.एस मिले।
ध्यान रखें यह सभी बैंकों में नहीं लगता है और जहाँ जहाँ लगता है उनका दर भी अलग अलग है।

] नेट बैंकिंग चार्जेज [अंतरजाल बैंकिंग सुविधा]: दूसरी बात है कि यदि हम नेट बैंकिंग को काम में लेते हैं तो बैंक हमसे शुल्क वसूलती है जबकि वही काम यदि हम बिना नेट बैंकिंग के करें तो एक अच्छी रकम बचती है [हालाँकि यह भी सभी बैंकों में नहीं लगता है और जहाँ जहाँ लगता है उनका दर भी अलग अलग है]

] मर्चेंट डिस्काउंट रेट [MDR/बट्टा-दर]: तीसरी समस्या बट्टा-दर शुल्क वाली है जो सभी को बहुत ही कचोटती है क्योंकि यह वह बैंंक वसूलती है जिनके साथ हमारा सीधा सम्बन्ध ही नहीं है। उदाहरण के तौर पर यदि विद्यालय में फीस देनी हो तो बैंकिंग नेट के माध्यम से देने पर जो भी खर्चा पढ़ाई शुल्क अदा करने वाले से बैंक वाले स्वतः ही काट लेते हैं, वह अखरता है। जबकि हकीकत यह है की बैंक व विद्यालय दोनों के खर्चों में बचत होनी शुरू हो गयो है। इसका कारण न तो बैंक को अपने यहाँ पर निश्चित तारीखों में अलग से अधिकारी की ड्यूटी लगानी पड़ती है और न ही अतिरिक्त पटल [काउन्टर] की आवश्यकता रह गयी। और विद्यालय में जहाँ शुल्क जमा होते थे वहाँ भी पटल [काउन्टर] की आवश्यकता समाप्त हो जाने की वजह से इस तरह की बचत तो हो ही रही है साथ ही साथ शुल्क जमा वाली पुस्तिका की आवश्यकता भी समाप्त हो जाने से उस पर लगने वाला खर्चा बचने लग गया। जबकि पहले वाले प्रणाली में शुल्क जमा करने वाले को किसी भी प्रकार का खर्चा लगता ही नहीं था। इस कारण यह स्पष्ट है कि नगदी से सम्बन्धित लागत एकदम समाप्त हो गयी है। और तो और अब सॉफ्टवेयर सब तरह के डाटा आपको उपलब्ध करवा रहा है यानि मानव श्रम की भी सब तरह से बचत हो रही है। इन सबके बावजूद अभिभावकों से जो शुल्क वसूला जा रहा है उसमें विद्यालय प्रबंधन के साथ साथ विद्यालय वाला बैंक दोनों ही दोषी नहीं हैं क्या ?
सारे तथ्यों पर गौर करने पर ऐसा  लगता है कि शुल्क जमा देने वाले से दोनों की रजामंदी से ही यह शुल्क जबरन वसूला जा रहा है जो न्यायसंगत नहीं है। यहाँ ध्यान देने वाली बात यह है कि अभिभावक इस मुद्दे को डर के मारे उठा नहीं रहे हैं क्योंकि यदि अभिभावक इस विषय पर आवाज उठायेंगे तो उनके बच्चों को बेवजह विद्यालय में तंग/परेशान करना प्रारम्भ कर देंगे।

इन सभी वर्णित कारणों को ध्यान देते हुये नियामक का यह कर्त्तव्य हो जाता है कि ऐसे शुल्कों की अनुमति देते समय शुल्कों की तर्कसंगतता और खर्च किए गए खर्च को सत्यापित करना सुनिश्चित करे। अन्यथा भविष्य में बैंक प्रश्नों के उत्तर (मौखिक/लिखित) के लिए शुल्क लेना शुरू कर देंगे।

2दूसरामसला बैंकों के ऋण से सम्बन्धित है। हम सभी व्यक्तिगत ऋण बैंकों से लेते हैं चाहे वो मकान बाबत हो या फिर वाहन वगैरह के लिये अब मैं इससे जुड़े कुछ  तथ्य आपके सामने रखता हूँ –
क] पहला तो यह है कि  बैंक जब हमें किसी भी प्रकार का ऋण देता है तो  हमसे उस पर व्याज लेता है लेकिन एक ढेला भी खर्चा नहीं करता है। ऐसा मैं क्यों बता रहा हूँ इसको समझने की आवश्यकता है। जैसे ही आप  ऋण का आवेदन करते हैं बैंक आपको जो प्रक्रिया बताता है उस प्रक्रिया को पूरा करने में दो तीन तरह के खर्चे होते हैं। उस प्रक्रिया व  खर्चों के बाद जब सभी तरह से बैंक संतुष्ट हो जायेगा तभी बैंक आपको ऋण देगा। यहाँ यह तो सही है कि ऋण आवेदन के साथ यदि बैंक खर्चा वहन करने लगे तो फालतू ऋण आवेदन को रोकना मुश्किल होगा। लेकिन ऋण दे देने के बाद उन खर्चों में से बैंक कुछ भी आपको वापस नहीं देगा ।यहाँ तक कि एक ढेला भी सांझा नहीं करता है।जबकि यदि हमें  ऋण की आवश्यकता है तो उतनी ही बैंक को व्याज आय की भी आवश्यकता है। ऐसा क्यों?
ख ] अब समझिये दूसरे तथ्य को जैसे ही ऋण लिये दो साल हो जायेंगे उसके बाद बैंक बिना आपकी सहमति लिये आपके खाते से कुछ रकम जैसे समझिये 250/- बतौर निरीक्षण शुल्क काट लेगा। जबकि अचल संपत्ति के भौतिक निपटान की संभावना रहती ही नहीं है और रेहन सही ढंग से किये जाने के बाद उसमें किसी भी प्रकार का छेड़छाड़ की  भी संभावना का भी कोई मौका बचत कहाँ है। इसके अलावा अचल संपत्ति के बाजार मूल्य का बीमा कराये बिना तो बैंक ऋण देता ही नहीं है।  इसलिये इन सब के बावजूद भी निरीक्षण आवश्यक है तो यह शुल्क बैंक को स्वयं वहन करना चाहिये क्योंकि वे हमसे व्याज कमा रहे हैं। इसलिये उचित यही होता है कि इस तरह का खर्च बैंक ही वहन करे।

उपरोक्त में और एक बात ध्यान देने लायक यह है कि अमूमन किसी भी प्रकार का निरीक्षण होता ही नही हैं। क्योंकि यदि कोई  निरीक्षण करने आयेगा तो पहले ग्राहक को  सूचना देगा यानि समय निर्धारित कर तब आयेगा और निरीक्षण पश्चात जो भी विवरण तैयार करेगा उस पर मकान/वाहन [या कुछ और] उसके मालिक का हस्ताक्षर तो लेगा न। और यदि बिना बताये निरीक्षण किया है तो आवश्यकता पड़ने पर उस समय का विडिओ दिखायेगा। जबकि ऐसा कुछ होता ही नहीं है। इसे केवल एक आय का जरिया बना लिया गया है जो सब दृष्टि से सर्वथा अनुचित है। 
ग] अब ध्यान दीजिये  तीसरे तथ्य पर क्या यह बैंक का दायित्व नहीं है कि  हर साल व्याज व मूलधन कितना मिला उसका हस्ताक्षरित प्रमाणपत्र  बिना मांगे ग्राहक को उसके पते पर भेज दे और समर्थन में पूरे साल का विवरण। यह हम सभी जानते हैं कि यह व्याज व मूलधन वाला प्रमाणपत्र आयकर के लिये आवश्यक होता है। जबकि हालत यह है कि इन दस्तावेजों के लिये बैंक के चक्कर लगाने पड़ते हैं। और तो और घर वाली शाखा को छोड़ दूसरे शाखा  वाले एकबार तो स्पष्ट माना कर देते हैं अगर देंगे तो भी पूरे साल वाला ऋण खाता का विवरण तो दे भी देंगे लेकिन व्याज व मूलधन वाला प्रमाणपत्र तो जहाँ से ऋण लिया वहीं से लेने को बोल देंगे। जबकि आज के इस डिजिटलीकरण में क्या यह बैंकिंग सिद्धांत के खिलाफ नहीं है? इसके अलावा बैंकिंग सिद्धांत में ‘सेवा दृष्टिकोण’ क्यों गायब होता जा रहा है? इन सब पर नियामक ध्यान देकर व्यवस्था को कब दुरुस्त करेगा?

डिजिटलीकरण पर अधिकारियों की नीयत और संवेदनशीलता का एकदम सही चित्रण करते हुये श्री राजेन्द्र भाणावत, जो राजस्थान में नरेगा आयुक्त रहे, ने दैनिक राष्ट्रदूत में एक आलेख ‘डिजटलीकरण,संवेदनशीलता का विकल्प नहीं’ के अन्तर्गत लिखा कि सरकार में बैठे लोगों को यह बात स्पष्ट होनी चाहिये कि केवल तकनीक के प्रयोग अथवा डिजिटलीकरण के नाम पर लोगों को राहत नहीं पहुँचायी जा सकती।इनका उपयोग तो अंततः अधिकारियों की नीयत और संवेदनशीलता पर निर्भर करता है। तकनीक तो एक दुधारू तलवार की तरह है जिसे प्रयोग करने वाला अधिकारी जैसे चाहे वैसे प्रयोग करे।

इस सम्बन्ध में अपने साथ घट रहा एक परेशानी वाला तथ्य, अभी अगस्त माह में ही एक टेलीविजन परिचर्चा में बैंकिंग प्रणाली से परेशान विश्वविख्यात कॉर्पोरेट विश्लेषक ने व्यक्त करते हुये हल्का गुस्सा प्रगट किया। इस वाकया को लिखने का तात्पर्य यही है कि जब एक नामी गरामी विश्लेषक इस तरह के बैंकिंग प्रणाली से परेशान हो सकता है तो हम आप जैसे की परेशानी का तो कोई ठिकाना ही नहीं। इसके अलावा हमारी आपकी व्यथा तो चैनल के माध्यम से लोगों के बीच  जानी भी मुश्किल है।

इसी तरह से बैंक से सम्बन्धित और भी अनेक मसले हैं जहाँ केन्द्रीय बैंक यदि इच्छा शक्ति दिखाये तो बिना किसी प्रकार के बैंकिंगतंत्र को नुकसान पहुंचाये आम जनता को राहत प्रदान की जा सकतीहै।

यह हम सभी जानते हैं कि मोदीजी एक संवेदनशील व्यक्ति हैं और आम जनता को राहत प्रदान करने में वे हमेशा आगे रहते हैं। उनकी बदौलत ही स्व-सत्यापित दस्तावेजों को सभी जगह स्वीकार किया जा रहा है। और अब उपरोक्त समस्या भी मोदीजी के ध्यान में लाए जाने कि आवश्यकता महसूस हो रही है। उनके दखल से सुधार निश्चित तौर पर होगा क्योंकि वे विवेकशील राजनेता हैं।