Consumer Issues
Axis Bank employees allegedly forged signature of its account holder

Purvi Sanghvi, an account holder at Axis Bank’s Juhu branch alleges that bank employees forged signatures on locker documents and refused to accept her complaint until she approached the police.  The Bank now blames an ex-employee, while senior management remains silent

Purvi Sanghvi, a jewellery designer alleges that her signature on a bank locker agreement has been forged by Axis Bank employees of the Juhu branch in Mumbai, where she holds an account. Worse, she claims, the bank refused to accept her written complaint, forcing her to approach the police and other authorities for redress.
 

In the police enquiry that followed, Ms Sanghvi claims that a former ex employee (Namita) has apparently accepted the forgery (which is a non-bailable criminal offence under the Indian Penal Code) and said it was done on the instructions of her senior Nirija Raje. The ex-employee is further alleged to have said that ‘she was threatened by the employees (Benoy, Nitin, Nirija, Bhushan & Priyanka) to accept the entire blame and not name other employees, since she had already left the bank and would not face any consequences.
 

The employees in turn, apparently denied any knowledge about the about forgery and blamed it on the ex-employee (Namita). The issues raise several interesting questions. But primarily, Ms Sanghvi’s complaint is that the bank has not yet taken any steps to rectify the documents and senior management has not responded to her queries. 

 

Explaining the incident, Ms Sanghvi told Moneylife that, she applied for the locker on 8 August 2012 to keep her jewellery safe. Although she signed a locker document, the bank did not give her a copy of the papers. When she asked for documents in May that year, the bank first refused to show her original documents, until she insisted on it. On inspection, she realised that her signature on the last three pages was not correct. Also, the agreement had an incorrect contact number with the correct address.  She immediately emptied her locker and called the bank to complain. One bank employee (Nitin) talked with her and told that, they need to look and investigate it.
 

Since then, she alleges, the bank has been ignoring this issue and refused to accept her first written complaint of 29 May 2013. She then posted a registered letter to Axis Bank on 3 July 2013, after which the bank employees visited her home to convince her not to file a police complaint.  On 22 July 2013 bank replied to her letter claiming action would be initiated against an ex-employee, but no such action has been taken.
 

On 27 August 2013 she approached the Banking Ombudsman, who asked Axis Bank to pay a penalty Rs5,000 for ‘deficiency of service’. Shockingly, the ombudsman has no jurisdiction to grant such compensation, when no loss has occurred or been quantified, say our sources. Experts also say that the Ombudsman can only grant compensation in credit card issues. The order in this case raises a separate set of questions about why the Ombudsman acted outside the purview of the act, to help close the matter. Axis Bank was clearly eager to pay the compensation and close the matter, it also  asked her if she wanted to surrender the locker. Except this, bank has not taken any serious actions against malpractices going on inside the bank.
 

Ms Sanghvi again went to ombudsman on 14th October to receive the order and the ombudsman officer (Debajyoti Datta) said that, “If they cannot locate an ex-employee (Namita) for five months and not do anything about it, that means the bank is involved in it and they are blaming someone who has left the organisation.”
 

Ms Singhvi has since approached the Department of Banking Operations & Development (DBOD) on 28 November 2013. The person-in-charge there Mohindar had asked her to wait for an answer from the Axis Bank. She has also received a reply from the RBI that “This case is not under the purview of RBI since she received the money from the ombudsman and also because she has done a police complaint.”
 

After fighting so much, Sanghvi said, “at present, I am waiting for the inquiry officer to do the FIR process however, all employees (Benoy, Nitin, Nirija, Bhushan) in the statements denied knowing anything about the forged signatures and blamed the ex-employee (Namita) for everything. I am worried that this matter will have no proper conclusion and the public will never know the malpractices which happened in Axis Bank.”

 

Axis Bank, in an email reply to Moneylife said, "Our bank follows a strict policy of dealing with incidents of non-compliance and based on the findings of our enquiry, the Bank has initiated appropriate action. We are committed to resolving this issue and have sought fresh documents from the customer to rectify the documentation. We would also like to mention that the Bank has implemented a directive from Banking Ombudsman pertaining to this complaint."

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COMMENTS

Anil Kumar

3 years ago

Let's run a campaign on avaaz.org. It's shameful that the bank merely calls it an inconvenience. Once a fraudulent lapse has happened, the bank is duty bound to share with customer the actions taken to rectify the situation to enable her decide whether she is comfortable with continuing the relationship. The process can't be allowed to remain internal to the bank once such a serious lapse has occurred.

REPLY

Lalit J Jhaveri

In Reply to Anil Kumar 3 years ago

more worse si shameless senior / top managerial team, decision-making, policy formulation CEO, and all Directors; yet RBI and Finance Ministry also non-chalant; these top teams are looting the public, at large; drawing pay-packets of 3 to 5 crores p.a. and they hardly have any strategy to execute; all lazy banking practices; primitive banking; these teams are 'morally bankrupt'. Praying for AAM AADMI party to sweep clean across length-breadth of the country and teach these people a good lesson.Treasury Operations primarily responsible for NIM's profitability and moving respective banks' monies across divisions inter se, etc. The teams think they're generating the profits. all absurd ethics, absurd practices and yet these teams remain inaccessible, unappraochable; they don't interact with public/depositors/clients; but they brag!!!!!!!! God curse them to hell!!!!!!!!!!!!!!!!!!!!!!!!!!!

Purvi Sanghvi

In Reply to Anil Kumar 3 years ago

Thanks for the comment , Mr Anil Kumar. Would you know how to run a campaign on avaaz.org?
Please do share.
Thanks

Anil Kumar

In Reply to Purvi Sanghvi 3 years ago

Please see the following links that would enable you start your own campaign/petition.

1. http://www.avaaz.org/en/contact/ (FAQs)

2. https://secure.avaaz.org/en/petition/how_to_create_petition/ (about to how to create an effective petition and the related process)

3. https://secure.avaaz.org/en/petition/start_a_petition/?source=doptb (Starting a petition)

Hope it helps!

Gautam Haldipur

In Reply to Purvi Sanghvi 3 years ago

Ms.Purvi,
It is evident they are avoiding a direct reply. Please do not give up till you get the culprits to book. Else it can make a massive difference to others. I suggest you just send a One liner asking what action they have taken against the requisite persons supposed to have committed the act.I expect they will repeat what they have already written. Keep pumping the same mail with relevant reminder nos. & well they will ultimately become answerable in the near future. The longer they deny the more serious the consequences. They know it very well but are simply trying to wriggle out of the web they have got into.All the best!

Purvi Sanghvi

3 years ago

The Bank emails me after 6 months of the complaint to come and rectify the records! They yet again don't want to let me know what action they have taken against the employees and steps taken by them so that these criminal offences are not committed by the employees of the bank in future.

Extract of the email below send to me on 9th December 2013 by the Juhu branch Axis Bank:
We have gone through your complaint and regret the inconvenience that has been caused to you.

We value our relationship with you and are committed to resolving this issue at the earliest. In this context, our earlier Branch Head, during his discussions with you, had offered to replace the existing Locker Agreement with a fresh one. We would like to invite you to our branch at a date and time convenient to you so that a fresh locker agreement can be executed. Request you to kindly intimate us accordingly.

We look forward to receiving you at our branch.
Warm Regards


My reply 9 th December 2013:

Kindly note no one has contacted me to or discussed with me to replace my documents.
(Please do email me if you have any email communication which the Bank may have sent for the change of documents)

You must also be aware of the police complaint, about the other 15+ locker documents which contain forged signatures and also about the indifferent attitude of your seniors with regards to this case. I would like to know what action has been taken by the seniors.

I would need to talk to my lawyers for further legal action which may need to be taken.

Thanks


Yet again the reply by the bank to my above email on 10th December 2013

Thank you for your email. As communicated earlier, we are keen to complete the documentation relating to your locker with us and to resolve this matter at the earliest. We, therefore, hope that you will be able to take some time out in this regard and visit our branch at your earliest convenience.

As stated earlier, we value your relationship with us and look forward to a long association.

Warm Regards


The bank still wants to avoid the issue. Apology is not what Iam looking for from the bank. I want to know what appropriate / suitable actions have been taken by the bank.

If the bank valued the 'relationship' or was interested in resolving the problem , they would in the first place never have committed the grave criminal offence and secondly would have addressed the problem much earlier in an 'appropriate' manner.



Anil Kumar

3 years ago

Banks won't dare do this, had the regulator did not seem so helpless. I am more inclined to think that the regulator's helplessness is intentional. And, reason behind that is I tried to get RBI act on Reliance MF Debit card issuance T&C which says charges are subject to change without any need for prior intimation.

RBI said it did not regulate mutual funds. They did not bother to respond when I argued that in this case the MF was issuing a debit card which is a banking product.

rocks

3 years ago

The primary reason goes back to recruiting junior staff ( to save cost).These junior staff do not know the banking practises.any change in process is not communicated well down the line.hence when such audit checks happen they are asked to rectify the same quickly.however such acts of forgery arenot warranted.bank has diluted ts customer focus and centricity under the new managaemnt.earlier a mail to the ceo would never go unanswered and also resolved to satisfaction of the customer now customer centricity is only lip service.bank top management is to be blamed as the new policies are now having a negative impact on service levels. junior staff are but just sacrificial goats.

S.S.A.Zaidi

3 years ago

Forgery conveys no title---the bank can not escape its liability

Gautam Haldipur

3 years ago

It makes sad reading with what has happened to Ms. Purvi Sanghavi.The concerned authorities must thank & compliment Ms.Purvi for exposing the supposed wrong doings of a reputed Bank. Instead she is being made to run from pillar to post (typically being what I call "Footballed" around).The so called ex-employee has taken the courage to reveal things only because she is no more in the employment of the Bank else I seriously doubt if she would have done it.If Axis Bank truly cares for its reputation, the authorities in the Bank need to act & act decisively to book the wrong doers with firmness & resolve & bring them to book. They clearly have to weigh their options. Shielding the so called guilty or truly giving justice to the client. Their answer as stated by Ms. Purvi leaves a lot to be desired & is clearly wanting in "Action Taken".Ms.Purvi, thank your stars that you first got your belongings out.Just for info of all typically Banks as you all know obtain a mountain of signatures from you on papers but very rarely care to give you copies unless you consistently go after them.It is imperative that you read the fine print, obtain copies without fail & never ever sign in a hurry.For everything they would ask you to give it in writing but the vice-versa is rarely done. Insist on it without fail & do not go for short cuts else you will continue to have such bad experiences.Ms.Purvi, you need to be complimented for your outstanding patience & perseverance. Do not let go till you get justice.Do make sure that you have everything in writing.

REPLY

Purvi Sanghvi

In Reply to Gautam Haldipur 3 years ago

Thank you so much for your support Mr Gautam. This incident indeed has brought out very strong emotions which I never knew I had in me and made me question the meaning of trust, morals and ethics of not only people but also a Bank which stands for 'trust'. Another important question which has risen during this incident ( which I have asked Ms Shikha sharma by email ) is if the Axis Bank can so easily and casually do such severe criminal offences /malpractices in a 'elite' location of Mumbai , I cannot even imagine what the Axis Bank must be doing in villages and smaller towns of India as well as abroad !

When I had first complained to the bank , I never could have imagined the mental stress that I would have to face and which would lead to unearthing a mini scam !


Gautam Haldipur

In Reply to Purvi Sanghvi 3 years ago

Ms.Purvi, I think it would be an understatement if I said that this is only a "Tip of the Iceberg".When it comes to Banking, I have come across different problems & have fought the porous/rotten system we have relentlessly which I continue to do even now whenever & wherever necessary.You will have to knock at the doors of the powers that be & the concerned regulators very hard for a redressal because there is going to be flowery language of the type used to explain out your case & in fact & reality very evasive & elusive to say the least.The match has just begun & we have a very very long arduous route to manouver & lot of ground to cover; honestly a himalayan task but not impossible.

Simple Indian

3 years ago

If this incident is indeed true, it takes Banking in India to a new low. Banking is all about trust, and most customers trust Banks and their staff to protect their interests, and hardly understand the technicalities in complex transactions. Yet, there are many cases of Banks themselves swindling money of their customers, as was known from the other famous case of former actor-singer Suchitra Krishnamurty whom HSBC swindled of crores of rupees through a series of bad investment decisions. Moneylife had taken up the case, and hope Suchitra gets justice soon. This case shows the need for greater regulation in Banking system, particularly with so many private-sector Banks flouting rules or indulging in unethical practices at customers' expense.

REPLY

Purvi Sanghvi

In Reply to Simple Indian 3 years ago

This incident is true Simple Indian. I am trying my best to email/ message people living in my locality to make them aware of this case and also to find the other 15+ locker holders. Of course this article is a big help since no media has been willing to print this case in their newspaper when I approached them.

R Balakrishnan

3 years ago

Love the response of Axis Bank. Their literary skills are simply outstanding. Someone in the bank needs to go on a six month leave.

REPLY

Purvi Sanghvi

In Reply to R Balakrishnan 3 years ago

The above reply from axis bank is a joke and a lie. They have not contacted me yet to rectify the records. Also I have repeatedly emailed and asked the bank what 'appropriate' and 'suitable' action they taken against the employees or to rectify the records of the 15+ locker holders papers. They ( including Ms Shikha Sharma) haven't yet replied to any of my queries and have been dodging / ignoring my questions.

Jerin Chacko

In Reply to R Balakrishnan 3 years ago

What happened here? Why did the Bank feel the need to forge signatures? The customer has not lost her valuables, thankfully. I hope she does not get visited by the IT Department now!

Purvi Sanghvi

In Reply to Jerin Chacko 3 years ago

The bank gave an explanation that they realised that the last 3 pages of the agreement had changed during their internal audit , so they xeroxed the new pages and asked the juniors to sign . It was revealed during the police inquiry that they forged the signatures not only my papers but 15+ locker holders papers ! Which was obviously denied by the senior employees in their written statements but the ex employee has clearly stated in her statement that she had forged the signatures for 17 lockers holder papers on the insistence of Nirija Raje , her senior.

Jerin Chacko

In Reply to Purvi Sanghvi 3 years ago

Thanks for taking the time out for replying Ms Sanghvi.

I find this kind of lax practice totally shocking, especially since this happened to all the locker holders!

Deepak Sholapurkar

3 years ago

AXIS bank is slowly neglecting customer service and becoming like any other Private Bank

REPLY

Suiketu Shah

In Reply to Deepak Sholapurkar 3 years ago

I feel sorry for people who leave reputed banks and join Axis Bank of all the several banks in India.

Suiketu Shah

3 years ago

i have been hearing extremely bad experiences with Axis Bank which clearly is an extremely uincustomer friendly bank to say the least.It seems several of their employees themselves are not trustworthy.Other private banks like ICICI bank are much better if one looks at private banks.

Bear hug; Nifty, Sensex plummet but uptrend not yet seriously jeopardised: Wednesday closing report

NSE Nifty has given up more gains as we mentioned on Friday and Monday but a strong downturn is not yet in the offing

For the 2nd day in a row both the Nifty and Sensex have fallen, which means the bears are back. The markets opened lower, and stayed weak throughout the session. A rebound into the green didn’t last long as markets took the turn for the worse and dived precipitously, and was unable to recover despite San Francisco Federal Reserve saying that tapering would be considered only if the US Federal reserve is convinced that the US economy is on the right track. Also, the HSBC Service PMI, a leading indicator, has shown that Indian service sector, including IT, has dipped for the month of November, with Reuters saying that hiring is on “ice”.

 

The BSE Sensex opened down at 20,839, hit an intra-day high of 20,863 and then trended down to an intra-day low of 20,673 before closing at 20,708 (down 146 points or -0.70%). Similarly, Nifty opened down at 6,187 briefly rebounded to hit an intra-day high of 6,209 then trended down to hit an intra-day low of 6,149 before closing at 6,160 (down 40 points, or -0.66%).

 

All indices except IT, metals and PSU banks were seen trending down. Realty was the worst hit, down 2.76%. FMCG was down 1.44%.

 

Of the 50 stocks on the Nifty, 21 advanced and 29 declined, indicating weakness. The top gainers were Tata Power (3.13%); Punjab National Bank (2.76%); Power Grid (2.29%); NMDC (1.75%) and Wipro (1.68%). The top losers were Hindalco (-2.42%); ITC (-2.11%); IDFC (-1.99%); Ranbaxy (-1.83%); DLF (-1.83%).

 

The Inter-ministerial summit meet at Indonesia is once again likely to fall through as New Delhi states that it would not budge until its demands are met that are meant to be pro-poor. In the finance news the latest HSBC PMI numbers, the services PMI stood at 47.2 vs 47.5 in October, with Reuters saying that hiring is on “ice”. The Cabinet has been reviewing FDI norms in various industries. Sources in DIPP have said that it would rework fresh 25% mandatory investment clause in new units; the finance ministry said that the 25% mandatory investments in new units hinders M&A. Also, the finance ministry as well as the Planning Commission rejected the 49% FDI cap in rare and critical units and will relook into the same, while it has also rejected FDI in pharma last week itself. It is also reported that Power Grid's $1.1 billion FPO has been ‘fully subscribed’.

 

Asian markets were mixed today. Except for Shanghai (up 1.31%) and Sydney (0.34%), all other Asian markets closed down. Japan’s Nikkei Stock Average fell sharply because the yen regained some lost ground, while the Australian dollar tumbled after the country’s disappointing third-quarter growth data, but its stock market index, All Ordinaries, moved up marginally.

 

All European markets opened green on the news that the Eurozone economy grew by 0.1% (Italy and France contracted a bit) in the third quarter versus the preceding three months, which is also as per expectations. But at the time of writing, almost all of them had turned red. The Financial Times reports that the Bank of Ireland has placed €540m in new shares to repay state funds, as part of recovery process. A proof that regulation matters, the EU has imposed fines of €1.71 bn on Deutsche Bank, Societe Generale, RBS, JPMorgan, Citigroup, and broker RP Martin, for rigging LIBOR, EURIBOR benchmarks.

 

According to ComScore, a company that measures consumer data, Cyber Monday desktop sales were seen up 18% to $1.74 billion. However, automobile and retail reports, despite Cyber Monday records, were less than encouraging. The San Francisco Federal Reserve chairman has stated that the US Federal Reserve would taper only if it is sure that the US economy is seen on the right path to recovery. US markets closed down yesterday and US stock futures were seen trending marginally up during early trade.

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Asaram son Narayan Sai arrested by Delhi police

Narayan Sai, who was on the run for about 50 days had disguised himself as a Sikh man to evade arrest

Self-styled godman Asaram’s son Narayan Sai, who had been evading arrest in a sexual assault case in Surat, has been nabbed by Crime Branch of Delhi Police.

 

"Narayan Sai has been arrested from Delhi-Haryana border. One of his aides Hanuman too has been arrested with him," Additional Commissioner of Police (Crime) Ravindra Yadav told reporters.

 

Delhi Police sources said he had disguised himself as a Sikh man to evade arrest.

 

In Ahmedabad, state DGP Pramod Kumar said that Sai had been absconding for more than 50 days.

 

He had been giving a slip to police of several states since the last couple of months after a complaint of rape was filed by two sisters against him and his father Asaram at Jehangirpura police station in Surat, Gujarat.

 

A team of Gujarat police had landed in Delhi in mid-October and had carried out several raids at Asaram’s ashrams at Rohini, Najafgarh, Jafarpur Kalan and on Ridge Road but failed to trace Narayan Sai.

 

Later, Dharmendra Pariyar alias Dharmesh (28), in-charge of the Ridge Road ashram, was arrested for allegedly helping Sai to flee the national capital.

 

Surat police had registered two complaints — one against Asaram and the other against Sai — of rape, sexual assault, illegal confinement and other charges.

 

The younger of the two sisters has filed the complaint against Sai, accusing him of repeated sexual assault between 2002 and 2005 when she was living at the Surat ashram.

 

The elder sister, in her complaint against Asaram, has accused him of repeated sexual assault between 1997 and 2006 during the time she was living at his ashram on the outskirts of Ahmedabad.

 

Asaram is in judicial custody in Jodhpur jail since his arrest in September for allegedly sexually assaulting a minor.

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COMMENTS

hariom sharma

3 years ago

Some important aspects on the case of Narain Sai


One thing that I fail to understand is that the accuser has accused or rape that happened 12 years ago. Where was she all these 12 years? She was in the ahram from 2001-2008 and was expelled from the ashram because of stealing. Even she says that she was expelled because of stealing.

She accuses she was raped from 2001-2005. Why did not she complain earlier and why not in 2008 when she was expelled?

Does it seem at all to be a true case? This way anyone can pay an ex-servant and file a rape case and claim it happened 12 years ago so there is no medical proof! If I have enmity with you, I can just bribe someone to allege rape and say it happened 10-15 years ago, if you get fired from your job you can allege rape and put that other person in jail??

Have you heard about such a claims and arrest warrant after 12 years and without any proof? Judge for yourself!!! The other thing to note is the role of the police and judiciary - even Narain Sain's honorable mother and sister were dragged into this - saying they were supplying girls to him. Just imagine that! And when the judge rejected that case, the judge was immediately transferred the same night - Please open your eyes and judge for yourself

Saurabh Sharma

3 years ago

Narayan Sai was never an absconding accused for all these days. His status as absconder was changed on Thursday, when Gujarat high court quashed the non-bailable warrant issued against him by a Surat court. -source TOI

Saurabh Sharma

3 years ago

Narayan Sai was following law only by not presenting himself , that was his right. Media unnessary hide this fact and projected different story. This is done by people who wants to convert hindus to their religion. It is time to wake up now !!

hariom sharma

3 years ago

हिन्दू संतो और राजनेताओं के लिए अलग अलग कानून क्यों ? श्री नारायण साई का माम ला क्या ऐसा ही है ? गुजरात सरकार श्री नारायण साई को उसी तरह पrशान कर रही है जैसे अमेरिकी सरकार विकिलीक्स प्रमुख जूलियन असांजे को। एक धर्मं के लिए लड़ रहे है दूस दुनिया को सचाई पहुचने के लिए। गुजरात सरकार की तरह अमेरिकी सरकार ने भू तपूर्व राष्ट्रपति विल्क्लिंटन को मोनिका लेवेंस्की माम ले में संसद में ईश्वर कि झूठी सपथ खा कर भी उनको भगोड़ा घोसित नहीं किया , उनको अरबों खरबों रुपये देकर हजारों एन जी ओ दे दिए जो संत आसाराम जी बापू के परिजनो के विरुद्ध षड़यंत्र । भारत कि पहचान मिटा कर गुलाम बनाये। यह सितम्बर २०१२ में अशोक सिंघल जी ने भी कहा था। गुजरात पुलिस ने कानून तोड़ने का विश्व कीर्तिमान स्थापित कर लिया है। बुद्धिजीवी अब टीवी पर क्यों गायब है सेक्युलर वादी मु छुपा के कहा बैठे है। न्यायलय ने गुजरात पुलिस को नोटिस दिया है कि जमानत कि अर्जी न्यायलय में होते हुए भी नारायण साई को कैसे भगोड़ा घोसित किया गया , ५ लाख के इनामी पोस्टर कैसे चिपकाये गए? कानून का सामान्य जानकर भी कहता है कि इतना पुराना केस तो कानूनन न्यायलय में टिक नहीं सकता है। मीडिया और पुलिस को राग द्वेष से प राजनैतिक दबाव से प होकर देश हित में कार्य करना चाहिए। विदेशी ताकतें जो भारत को लीबिया ,सीरिया ,मिश्र कि तरह गुलाम बना रही है ,उनसे सावधान रहना चाहिए।

---

hariom sharma

3 years ago


Some important aspects on the case of Narain Sai


One thing that I fail to understand is that the accuser has accused or rape that happened 12 years ago. Where was she all these 12 years? She was in the ahram from 2001-2008 and was expelled from the ashram because of stealing. Even she says that she was expelled because of stealing.

She accuses she was raped from 2001-2005. Why did not she complain earlier and why not in 2008 when she was expelled?

Does it seem at all to be a true case? This way anyone can pay an ex-servant and file a rape case and claim it happened 12 years ago so there is no medical proof! If I have enmity with you, I can just bribe someone to allege rape and say it happened 10-15 years ago, if you get fired from your job you can allege rape and put that other person in jail??

Have you heard about such a claims and arrest warrant after 12 years and without any proof? Judge for yourself!!! The other thing to note is the role of the police and judiciary - even Narain Sain's honorable mother and sister were dragged into this - saying they were supplying girls to him. Just imagine that! And when the judge rejected that case, the judge was immediately transferred the same night - Please open your eyes and judge for yourself


Juhi Singhania

3 years ago

MEDIA MISLEADS AGAIN!!

DCP Kumar Ganesh, Crime Branch has said Narayan Sai has surrendered himself, NOT arrested by police! He did not try to run away. Shame on Media!
Gujarat High court gave notice to police for issuing arrest warrant and declaring him an absconder...did we see that in the channels??

Its all a BIG CONSIRACY against Indians & Indian Saints in an attempt to spread the mssionaries work in India! Its the DEFAME & RULE policy of anti-nationals. Better wake up now!

MUST SEE THIS VIDEO: http://www.ashram.org/MultiMedia/Videos/...

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