Justice Sought
Kindly see what is mentioned in the details section by the respondent BoB Employee as reproduced below within double
quotes:
“”
Grievance Description : EXTREMELY SERIOUS EROSION OF ECONOMY BY NATIONALIZED BANKER VIZ. BANK
OF BARODA PFA The Attached Complain file in .pdf format. Kindly contact if need more details Thanks to our Hon'ble Prime
Minister
Current Status : CASE CLOSED
Date of Action : 20 Nov 2015
Dear Sir, Upon taking up the matter with our Regional Office Lucknow Region we have been informed as under: 1.Mr.
Deepak son Mr. Ram Narayan had opened Saving Bank Account under PMJDY scheme bearing Account No.
34300100005510 with our Vibhuti Khand Branch, Lucknow on 08.11.2014. 2.Mr. Deepak met with an accident and died on
07.03.2015. 3.Our Vibhuti Khand and Official of Regional Office forwarded the claim of Insurance available with PMJDY
Scheme and followed up vigorously and the claim was settled. 4.The amount of claim of Insurance for an amount of Rs.
30000/-( Thirty Thousand ) and Rs. 100000/- (one Lac) was credited directly in Saving Bank Account of Mr. Ram Narayan
Bearing Accont No.5009112131-3 with Allahabad Bank, Staff College Branch, Sector- 21, Indira Nagar, Lucknow on
15.06.2015 and 16.09.2015 respectively. 5.Mr. Ram Narayan has also provided letter of satisfaction in this regard. ( Copy
Enclosed) We, therefore, recommend for closure of the complaint in the portal. With regards,
“”
Now after this when we open the attachment its a PDF file which says differently that is about the complaint file vide
PMOPG/E/2015/0121626.
The situation has turned more criminal in nature on the following grounds as they have been encroaching public's rights
though the Government is awarding but the same is not reaching the public and hence the result for the Central
Govermental parties in recent Bihar elections.
Kindly look into the matters per the format attached by BoB, DGM Lucknow Region, and check the follies which is bound to
bring the Government down if such officials in Nationalized Banks persist existing:
1. Kindly check with the DIC as what I submitted to the DIC was more than necessary KYC per the RBI guidelines, i.e. 2
documents proving entity existence- i.) The Firm's registration with DIC, and ii.) PAN Token from Income Tax Deptt.’s Ally
UTI’s receipt, both were furnished. However the bank can waive of the 2 and can do with a single and in that case it has to
verify via any third party i.e. even postal delivery at the address can do well. Despite no such relaxation sought, already 2
were furnished, besides the application was forwarded by DIC- District Industrial Centre which again could have been a
verification source, and in this case it might amount to 3 proofs to the contrary while only 2 are required.
Secondly, as regards the Entrepreneur's KYC, Driving License copy and Public Sector Bank's Photo ID Passbook Photocopy
was submitted which in bona-fine manner the Entrepreneur deems to be forwarded by the DIC, Lucknow. And in case it did
and as the pages were numbered at the bottom whosoever is the culprit needs to be nailed and prosecuted. I pointed out
this unholy employee nexus and even mailed to this office on their email IDs but of no avail. They never responded despite
several mails, might be they have got some tool to defy receipt, hence it should be studied in that light. I have got sent
items with me as proof.
2. The second point says conduct of the savings account was improper, how come? Its well and proper, is it involved in
Money Laundering or Terrorism Funding or otherwise? Kindly ask them to specify. In case they say no huge transactions
were there, which makes its conduct improper, kind ask them to specify, do these officials realize if i.) they are PSB and a
Nationalized Banker's employees? ii.) The account was Savings as ID proof, besides are they aware that Individual finances
not to be clubbed with Institutional Finances and DIC never forwards applications for individual finances like Personal Loan,
Personal Credit Card, Home Loan, Car Loan, etc. iii.) Are they aware of the MSME Charter? they did not even bother to
inform the applicant about Loan application declination, but did the same after this complaint was lodged. If they did not
do it earlier, why later after the complaint, does this not prove malicious intent to save themselves from bearing the brunt
of their own follies? Kindly check the Dates letter of rejection sent to the DIC and to the Applicant. Its a huge difference
and after the complaint was made, hence a penable crime under suppressing information or Destruction and Concealment
of Evidence. The Evidence could be brought to light only after the complaint was made. Now it is urged to the Government
that kindly set a CBI probe in this regard as this matter is generic and once at this instance they must be carrying our
same malpractices for many or all. The entrepreneur is willing to cooperate fully.
3. The aplicant pursued Computer Course which is O' Level considered as equivalent to Polytech Engg Diploma and is
Mostly Goverment preferred qualification even for its jobs even above apparently as advertised 'O Level'. Does the
qualification cease to exist after 13 years, like a doctor gaining MBBS has to undergo MBBS again for medical practice?
Besides and moreover, the specifications of working with Clan Infotech Pvt Ltd were clearly given as work experience along
with others which have been slyly overlooked and not mentioned here.
4. Their English version says some of the columns were left Blank in the application form hence it should be studied if they
were really required for availing advance under MSME and a sample of such form is available on IBA- Indian Banking
Association's website. Besides, little information could have been sought rather rejecting the application which shows
unwillingness of the BLF- Branch Level Functionary but the original letter in Hindi sent by the Branch says Personal PAN not
furnished. In this view are they aware that Institutional Finance is distinct from Individual Finance hence what entitles
them to carry out 'snoopgate' into individual finances when such finances cannot be clubbed? Institution's PAN application
was well furnished duly and the PAN was generated by the time they would be considering the application and could have
checked it as they do online. Besides even if not generated, they know it well it is a startup and has applied for PAN. These
are even beyond lame excuses and they are even trying to dodge the Prime Minister here on this complaint. So unruly and
daring they are being observed here.
5. The fifth point says that 2 experts specifications should be there. Under this, is it really so? And even if it is it was well
furnished or furnished duly. The names of Media dignitary Mr Rajesh Gaur and IIT Grad Mr Mukul Mahant is being not
talked of and being suppressed shamefully. Kindly check the application documents again. This makes 3 experts i.e. over
and above 2 including the Entrepreneur. And in case DIC Lucknow suppressed it, kindly see if they were lured by BoB
staffers unholy nexus and suppressed it? I have a copy of what I submitted with DIC in case of any probe.
6. The sixth point they raised says that in License the amount declared was INR 2, 50, 000 while in the Loan application it
was declared INR 3, 00, 000/-. This is beyond any shame to question the hike in investment on the part of the
Entrepreneur as it is to the Bank's advantage that the Entrepreneur is Contributing more and should have considered it
favporably while they performed just the opposite thereby making Uttar Pradesh a BIMARU state as clearly evident.
Moreover as the Memorandum or Declaration for the said License was filed with DIC Lucknow and the Loan Application was
forwarded by the same entity hence such change in Entrepreneur's contribution was well in their records. Now what has
this BLF got to do with the hike though on reduction in Entrepreneur's contribution there could be something to discuss.
There was a clear distinction in the tenure of Applying for license and applying for loan and a hike of 50, 000 Rupees could
be done easily if good intents are there and until the corruption has not engulfed the rapport of the entrepreneur as it has
done now. The Bank's rapport owing to its such corrupt employees is also well known. Now where is the parity?
7. Their seventh point says that their Cantonment Branch is not convinced with the viability if the Business Plan. The actual
Hindi version of the Branch calls it 'yatharth se pare' or unrealistic rather than non-viable. Its is to be noted that Bank's
can only express their opinion on viability but here Divine judgement has been passed as 'Yatharth se pare' though being
forwarded by DIC Lucknow. This shows how much viability conscious they are, defying DIC's knowledge. Now what more
can convince them. Nothing can then. Hence justice is sought from the Prime Minister so as to set an example for all such
offenders by penalizing the Banker with at least 10 Crore rupees per day delay in funding since the day of rejection of the
Loan application as it has also eroded the Entrepreneur's capital and made his a pauper and striving rather than flourishing
in the Web based businesses as US, China and the like based ventures.
8. The eighth point says that the branch sent rejection letter to the applicant but ask them on what date as they have
already mentioned which is about 2 months hence the rejection notification to the Lucknow DIC and well after the
complaints here and elsewhere including to the Ministry of MSME, credit monitoring cell which took cognizance of the
matter and wrote top the MD & CEO of this banker with a copy to the Ministry of Finance vide speed post dated 14th
October 2015 bearing their Reference No. F No. E. 15 (16)/09/CMC-(North), the response of which has yet to be received
by the complainant. Kindly take them all into loop.
Apart from what they committed it is hereby being brought to your notice what they omitted:
1. The original Loan Application Rejection document in Hindi makes much fuss on the account to be held with Bank of India
then why applying to Bank of Baroda. It is to be noted that the plan is on web domain and BoB claims as India's
International Bank hence owing to the rapport of those times of the Banker it was chosen for Institutional/Business
purposes while the Bank account with Bank of India is Savings and Individual One. Further, on the application form it was
well mentioned in space provided the intent of opening Current Account with Bank of Baroda but The BLF has asked Why
them. They have forgotten or do not realize that it is not the Bank which can choose a customer but it is a potential
customer which can choose any bank, specially in case of a nationalized one as in our case. Moreover, as said before, they
have been unhappy with the MSE reaching them and have condemned it and instead of greeting frowned over it. Bizarre
instance of an entity trying to cast a potential client off instead of calling, and treating the approach as "Rape, rather than
Reward".
2. They have even attempted fooling the PM of the Union of India as seen in all above instances which calls forth severe
actions. This also resulted in closure of the complaint ticket giving the PM a bad name and shame before the entire nation
and the international community. Kindly take it on TOP Priority and also provide protection to the complainant and help
save the nation.
3. If this is the attitude of Nationalized Banks then no wonder why millions of farmers die owing to lack of facility hence
this instance should been seen under organized crime, and as the result even if potential employees of MSME and any
business community or potential employees resort to any illegal activities being kicked off by Nationalized Bank's
employees like this then who is penable? Why encroachment on Fundamental Rights in the Indian Constitution which also
talks of Right to Life. Life of farmers and Entrepreneurs harassed and deprived of services by such BLFs. This is severe
infringement of Constitutional Right to Life, Human Rights, MSME Charter/Rights, Fraud against the national community
including Govt. Priority Sector MSME and the Prime Minister himself.
4. The loan application in its one of the pages of the application document also contained an RBI mandate which has
clearly shown dis-satiation over acts of such BLFs- Branch Level Functionaries and mandated the ownership of such MSE
Advance applications be taken by the CEOs of the Banks. Was this done? That BLF and This Dy. General Manager at the
Regional Office, Lucknow bother consulting the Banker's CEO despite Copy of that Mandate attached at the very inception
forming a reference page in the document of the advance application, and even when the matter is in the Prime Minister's
cognizance? Kindly seek the CEO's view on this one.
5. In case owing to such corruption and malice by Nationalized Banker encroaching the Rights of Govt priority and that of
the National themselves the harassed and helpless Human if resort the same type of wrong doings or those available at his
very own disposal seeking survival, as Right to Life is also their Fundamental Right per the Indian Constitution, who is
going to be held responsible? The responsibility must be determined in order to save lives of the Indian Nationals.
The Hon'ble Prime Minister via this mode is requested to take stringent action on such evil deeds of the Banker's
responsible employees so that the Nationals of the Nation feel safe and are really safe surviving and thriving rather than
resorting to further corruption and crimes or suicides, etc. The plea is to set an example which has to be strong enough to
correct the incorrigible and prevent all others likewise with this example. Hence it is pleaded to aid the MSME unit with a
very worthy and due compensation which is expected by the entrepreneur to be no less than 10 Crores per day delay from
the date of rejection of Advance application to the date of disbursal of the sought compensation. This is keeping in view
the loss caused to the National economy, the potential employees comparable to China's Jack Ma of alibaba.com, watsapp
owner (petty handful bucks application sold for US$ 19 Billion merely 5 years of inception), Mr William Henry Gates, Late
Mr Steve Jobs of Apple Inc., USA, etc comparable to our nation lacking in that owing to the follies and corruption carried by
only by the BLFs, particularly the Nationalized ones, which is non-sustainable while all others can be naturally minimized
by curbing this one, or sustained with.
The PM is urged via this medium that such conditions be prevented that a national by very Human nature feel ashamed of
being a national to such a nation, as this deed of the Nationalized Bank's employees is against Human Rights.
It is to be noted that we are very happy from the PMs work but as it is being encroached by the BLF like this which grieves
us, hence such a complaint of grievance and hence the Bihar Assembly poll results.
Kindly, invoke this complaint again as disposing it to the further grievance of the aggrieved and boosting corrupt instinct
and fervour, to the best of any human's knowledge cannot be justified.
The Hon'ble is Prayed for due Justice with this Feedback form, kindly award the grace of the legal and righteous action.
Waiting for response.
Thanks,
Jaya Vijaya aka Jay
Proprietor
M/s Peasants' Produce Protective Propagation pool- P5