Whispers Forum

I agree with Naveen! His suggestion for opening Bank Accounts etc should be considered for adoption.
S Gopal
Work for success of digital world
The concept of home branch should disappear. All the services should be available in all branches of banks or post offices like issue of new passbook or cheque book or extension of accounts as people are customers of Banks and post offices not of particular branch. This has to be implemented in true spirit down up to the lowest level. Otherwise these small things will work as barriers for implementation of any digital programmes. There will be more barriers which need to be identified for entering into digital space. Digital bank will not have any physical branch but will be able to provide all financial services. The concept of branch will disappear. Let us work for the success of the digital world.
Naveen

In the face of Russian aggression, India should prepare for the worst-case scenario. World is expected to indulge in a third war and India may face economical and political problems.
Sandeep Kumar
Financial inclusion important for economic growth
Financial inclusion is most important for good economic growth of the country. Transition to digital space cannot happen abruptly, it has to be done slowly and steadily. For financial inclusion, the banks and post offices have to change from the old orthodox system to adopt a new environment. Treating customers as customers of a particular bank not of a particular branch. Similarly the post office has to treat customers as a customer of India Post not of a particular branch. As of now banks and post offices ask for local addresses for opening and maintaining an account. Anyone should be able to open an account as per Aadhaar card, PAN and mobile number irrespective of account opening place and address in Aadhaar. A meaningful person should be able to open an account in Delhi or Mumbai with an address as a village in UP or Bihar in Aadhaar.
Naveen

The Appellant contended that his First Appeal was not adjudicated, consequently he had to file this Second Appeal. He further pointed out that the written submission dated 12.08.2021, had not been sent to the Appellant, which is against the spirit of natural justice. The CIC expressed agreement with the Appellant’s contention that non adjudication of the First Appeal led to filing of this Second Appeal. Likewise, it was also noted that the written submissions dated 12.08.2021 submitted by the National Human Rights Commission (NHRC) to the CIC were not marked to the Appellant. The said submissions are self-explanatory and the Respondent has even explained the cause of non-adjudication of the First Appeal to corruption of the hard disc drive. The CIC directed the PIO to send a complete set of written submissions dated 12.08.2021 to the Appellant. The CIC remarked that all parties shall, as a matter of practice, always serve an advance copy of submissions to the opposite party, in future, for a fair and effective hearing.
Comments
The submission of an advance copy of submissions to the opposite party would help in early disposal of appeals.
Citation: Love Gogia V/s National Human Rights Commission in Second Appeal No. CIC/NHRCM/A/2019/647382, Date of Decision: 17.08.2021
Dr. Anuradha Verma (dranuradhaverma@yahoo.co.in) is an expert on RTI matters and has co-authored the books RIGHT TO INFORMATION - LAW AND PRACTICE and PIO’s guide to RTI. Apart from her weekly article here, her other articles can be read at the website of RTI Foundation of India at the link: www.rtifoundationofindia.com

For full transparency, the public is waiting for quick, efficient and equitable justice through faceless ITAT. It is a milestone achievement of the government.
Vijay Kumar
Cash being used to evade taxes
World has entered into digital space and metaverse. India cannot afford to be left behind. Works in a number of projects in India have already started like digital currency, digital bank, digital university, digital assets and so on and Hollywood has already entered into the metaverse. For digital currency to be successful, cash has to be reduced which is running a parallel economy in the country. Cash is being used to evade taxes as transactions are not captured by the Government financial system and carrying many activities which are not permitted by the law. RBI has to take steps to reduce cash in the market.
Naveen

I am a retired technocrat of a defence public sector unit in Bangalore. We are covered under the EPS 95 scheme. The pension we get under the scheme is so meagre with no increase or decrease during our life span. The minimum pension is now a princely sum of Rs 1000 . There are over 65 lakhs EPF pensioners in the country and the pensioners assn had been repeatedly requesting a MPs sympathetic to the cause of EPF pensioners, to impress upon the GoI to revise the minimum pension to a decent figure so that the pensioners can lead a life of dignity. It is true that we have the scheme of employers contribution to our provident fund and at the time of superannuation we have received a lump sum. But with the sharp decline in interest rate, the amount we receive is declining sharply making lakhs of EPF pensioners struggle o eke out a decent living in our advanced age.. Though some MPs have requested the GoI to fix a higher pension, no decision from the GoI is forthcoming ad of now. All of the EPF pensioners are anxiously waiting for a announcement especially during the general budget but every time it is a very damp squib. We do not grudge Central/ State personnel getting periodic enhanced pensions but EPF pensioners who are the main stay of building the giant PSUs of the nation are not getting even one rupee as an increase in EPF pension . This is a matter of great concern to the lakhs of EPF pensioners in the country.Hope in our case too the concerned authorities will make up their mind quickly to give a decent raise in the minimum pension under EPF 95 scheme.
K Srinivasa Rao

I am in complete agreement with the views expressed by Revenue Secretary and Naveen ji on capital tax and tax regime on the whole. Both are more than complicated & complex always. This is because Government of India or State Government rules are not defined clearly, there is a scope for relations or modifications, at each level of bureaucracy & political leadership, powers to relax has been defined, stated, written or written but used squarely to favour chums. India needs revolutionary administrative reforms of rules in Government of India and States. Will system ever do it, is a million dollar question?
Harish Kumar

Revenue Secretary expressed the views that India's Capital Gain regime has become too complicated and it is time to relook in post budget interaction with business leaders. There are capital gains for mobile and immobile properties/assets and there are various holding periods and various rates and that need to be streamlined and simplified. This is the first time someone from Govt. expressed capital gain regime is complicated and needs to be steam lined. When senior most official of revenue feels it is complicated, one can imagine what will happen to ordinary tax payers who may not be able to understand even the basics of capital gain. It is very welcome step and tax payers friendly. Views have been asked from various tax experts, organisations etc. It is submitted that the most simplest thing is to make long term capital gain at least for transfer of equity or equity oriented MF tax exempt. This will simplify the procedures not only for tax payers but also for tax authorities, intermediaries etc. who collects data and provide the input to tax authorities. Tax authorities do the necessary data mining corresponding to each PAN numbers. It is very lengthy and time consuming process. The estimated revenue from such category of LTCG can be compensated by increasing STT (Security Transaction Tax) proportionately which is charged for each transaction of sell and purchase. STT compliance is more than 95% and directly paid by stock exchanges. One can imagine the simplification of life for all i.e. tax payers, tax authorities, intermediaries, DMAT account providers etc. with increase of tax revenue as compliance is much higher in respect of STT. Knowing that nearly 2% people pay the income tax. Others form of CG can be streamlined in respect of holding periods, taxes and surcharge. Similarly lot of data is needed to compile the dividend information for all account holders and doing the data mining with respect to PAN numbers. This process can also be simplified by levying the tax before dividend is distributed among the investors. That is implementing Dividend Distribution Tax regime. Here also the compliance will be higher and tax revenue will increase. As many people are not filing income tax returns. Only approximately 6 crores people file income tax returns in population of 150 crores. This may be due to complicated process for ordinary people. When capital gain is getting streamlined the dividend regime should also be streamlined to increase the tax revenue and save the revenue loss and also to encourage people to file returns. looking for favourable consideration.
Naveen

I beg to disagree with the views expressed by Sudhir ji recently on All India Services (AIS) . More importantly we need professionalism, accountability, fixed responsibility including defined role in each service in all the All India services. India is governed on divided responsibility in civil service with no accountability of anyone. A revolutionary change in rules is required where right from messenger to Secretary roles are defined and responsibility or accountability is minutely defined or earmarked.
Harish Kumar

CCTV footage of court hall of Presiding Officer, DRT, Pune was denied. Applicant argued that the purpose of the CCTV was public safety as well as transparency of judicial process and the respondent was under an obligation to disclose the CCTV footage. The PIO referred to the Hon’ble Supreme Court in Pradyuman Bhisht v. Union of India [WP No. 99/2015] wherein it was observed that the footage of the CCTV Camera will not be available under the RTI and will not be supplied to anyone without permission of the concerned High Court. The CIC held that the Disclosure of the CCTV footage might endanger the physical safety of individuals whose movement was covered on that footage. In the absence of any larger public interest, there appears to be no infirmity with the stand taken by the respondent..
Comments
With the Covid pandemic, a large number of hearings are taking place virtually. Perhaps, the law should evolve to set a procedure for the obtaining the recordings of CCTV and the Court proceedings..
Citation: Adv Mahadeo Avhad v. Debts Recovery Tribunal in Second Appeal No. CIC/DRTPU/A/2019/645775, Date: 29.12.2021
Dr. Anuradha Verma (dranuradhaverma@yahoo.co.in) is an expert on RTI matters and has co-authored the books RIGHT TO INFORMATION - LAW AND PRACTICE and PIO’s guide to RTI. Apart from her weekly article here, her other articles can be read at the website of RTI Foundation of India at the link: www.rtifoundationofindia.com

Ramakrishna Ashram in Karnataka has rightly said that the noxious controversy over hijabs in Karnataka's schools and colleges is "unnecessary and not in the interest of peace and harmony". The Ashram has also defended Devadatt Kamat - Senior Advocate in the Supreme Court - who has faced attacks for representing Muslim students in the case.
Kamat, who has been targeted by right-wing commentators for citing Islamic scriptures to defend students fighting for the right to wear hijabs in schools and colleges, has done no disservice to the Hindu religion, the ashram's top priest has said.
Arguing for students who have been told not to wear hijabs to schools and colleges in the state's Udupi, Kamat had told the Karnataka High Court that the religious headscarves were part of their culture which cannot be impinged upon. He also cited verses from the Quran which said it was incumbent upon women to cover their heads before anyone other than close family members.
"Some elements are trying to brand him as supporting a cause against Hindu Religion. This perception is absolutely uncalled for and baseless. A lawyer representing a client in the court has to do his duty and justice to his client's cause. That is a professional duty and responsibility. It cannot be branded as a cause against the Hindu Religion," the priest added.
Definitely, such irrelevant issues should not be raised by anyone or given any importance for the sake of the country which is moving fast on the path of progress in all the fields.
Bina Tiwari

Budget 2022 has big programme for Post Offices that all 150,000 post offices in India will be connected to the core banking system that will enable people to access their account online and also transfer money within post office accounts and to other banks. It is very good programme for rural and urban areas. Without any prejudice it is brought to kind notice that staffs at the post offices are not customer friendly. They require proper training before induction for regular job. Mindset is still on old working methods. Many accounts are getting closed due to KYC updates. People have moved from old place to new place due to work and their addresses have changed in Aadhaar. Post Office still requires local address for updates resulting in closure of accounts. It is submitted that address can be updated in post office accounts as per Aadhaar irrespective of the account place. Three IDs are sufficient for opening and maintaining accounts_ Aadhaar, PAN and mobile number. Mobile numbers are working on all India bases. As long as person is in India he can open account anywhere in the country with address given in Aadhaar without local address insistence. Otherwise local and permanent address can be noted and one of them should be according to Aadhaar address. Some post office staff advise open account in your area post office. Now post offices are going to be connected to CBS on all India basis. Staffs have to be friendly with customers for any success. A simple thing has to be still implemented. As per Income Tax, no TDS to be deducted from Sr. Citizens account (SCSS) for interest up to Rs. 50,000/- without submitting Form 15 H. But still TDS is getting deducted even less than Rs. 50000/ interest. They insist for submission of Form 15 H. This can be implemented through centralised software without interaction of local staff of post office. So any staff should not be able to tinker with TDS ruling which should be uniform for all Sr. Citizens. These are basic things which affect the success of post offices. For achieving desired results one has to change the things for proper working.
Naveen

Whisper should initiate a campaign to stop writing a designation before names like IAS, IPS, IRS etc, like the way we stopped using red beacon light, in the same way it should stop since it creates inequality and threatens someone that he or she is IAS or IPS so one should be afraid. In the Gr C and GrB no one write any service name, they write only designation like Junior engineer, head master, Medical officer, income tax inspector, section officer so on the same analogy one should write only the post at which some is working so common citizens or anybody else should treat all officer as public servant but fearing them and it will bring Equality among all services.
S Ranjan