Citizens' Issues
Mera Bharat Mahaan: If we want to stop corruption, we will have to begin with ourselves

We, the aam aadmi, are involved in corruption or contribute to furthering corrupt practices. And what should each one of us must do to end this malaise?

Due to the on-going movement against corruption, the government and government employees (about 40 lakh-45 lakh across country) are now perceived to be the only corrupt citizens in the country. But this is not true. It would imply that the rest of the 120 crore Indians, are honest and above board, which is absolutely not true. No country can become corruption-free if the citizens themselves indulge in corrupt practices in day-to-day affairs, hurting their own fellow countrymen. There has not been any appeal by any civil society leader/opposition leader to the general public to shun corrupt practices (and perhaps never will be). Government employees and citizens together, can very effectively contribute to the movement by following certain parameters.

1. Traffic policemen: The next time when traffic police detain someone for violating traffic rules and he wants bribe the police, rather than pay the fine, the policeman should make him shout in public, "I support Anna's movement, but I am a hypocrite". That way the public will know the originator of corruption.

2. Wholesalers/retailers/hoarders of essential commodities: Even when a farmer gets Rs10/15 a kg for his onion/dal/other produce, crores of fellow Indians may end up paying Rs70 to Rs100, due to rigging by these middlemen (our fellow citizens). Hundreds of crores of profit thus get converted into black money. Is it corruption or is it fleecing of fellow countrymen, or both? The government should fix the ratio (say 100%) of wholesale/retail prices to 'farmers' price of sensitive commodities (vegetables, grains, fruits, pulses, etc). The moment that 'cut-off' price is breached, the income-tax (IT) department should simply start raiding them. They will earn blessings of crores of fellow Indians.

3. Adulterators: Water/chemicals in milk, kerosene in petrol, stones in grains, hooch in liquor, duplicate products, are all common corrupt practices  committed purely  by the aam aadmi which may  result in the death of fellow citizens. A government official, Mr Sonawane, was burned in public in Maharashtra recently. His fault, he  was trying to catch a kerosene adulterator. The sale of PDS items-meant for the poor-in the open market; sub-standard roads, flyovers, bridges; meter tinkering/overcharging by autos/taxis, etc, is quite common-all this again by the common citizens.

4. Builder/estate agents: Another very well-known segment where the aam aadmi generates and uses the cash in a very big way is property dealings. Scan as many deals as possible; use Stamp Duty data to identify the receiver/payer of cash. Use agents/dummy customers/actual user/bank network.

5. Jewellers: Individual purchases of Rs5 lakh/Rs10 lakh/Rs20 lakh of gold/diamond/jewellery in cash is quite common; obviously from money got through corruption by the aam aadmi. Go wholeheartedly after this segment. Put the informers; send dummy customers; track  crores of cash being deposited in banks, confront such customers in showrooms, use camera recordings, etc. If there is any resistance, call Anna's local soldiers/recognised civil society leaders.

6. Manufacturers/traders/importers/contractors:
Inflated project costs/over invoicing/under invoicing of receipts and payments/cash purchases and sales/ fake bills, by these 'common people' are very normal practices across segments. Use their lenders/bankers/CAs /employee network to expose the evasion.

7. Doctors/lawyers/tutors/stock brokers: Again, it a known fact that these 'common people' hardly provide receipts for services rendered, and consequently they pay a fraction of the taxes that are due. Make it compulsory to issue proper receipts for every transaction; ensure that stickers/labels are put up in their offices announcing the practice of providing stamped receipts. The differential charging by doctors and hospitals for insured/non-insured treatment is again quite a common practice. Is this just exploitation, or corruption?

8. CAs/consultants: When IT/customs/excise/sales tax/revenue/other officials come to negotiate genuine dues, they must be reminded that the eradication of corruption requires 'compliance' and not 'evasion' and that they should honestly pay what is due. They would certainly appreciate your anti-corruption spirit. Use them to catch evaders.

9. Civil society leaders/supporters of the anti-corruption movement: The public has a right to assure itself that leaders and participants in the anti-corruption movement themselves do not indulge in corrupt practices. The rules of transparency and accountability apply equally to them. Conduct a compulsory financial audit of all those who are in the forefront. Use the TV/press/Internet to identify such persons and share the findings with the public. Ask for voluntary disclosures.

10. Housewives: Very happy with buying gold/diamonds/jewellery valued at lakhs of rupees, all in cash, without batting an eyelid or inquiring from the husband about the source of such large amounts of cash. The husband may participate in a hunger protest and the kids in a candle-light march against corruption, simultaneously. There would be enough leads through access to cameras in jewellers/high-end product showrooms.

11. Students/youth: This is a very vocal and active segment in the movement against corruption. Capitation fees of Rs15 lakh/Rs20 lakh for seats in medical/engineering/MBA courses, even nursery, and all paid in cash, at the cost of deserving poor students, without any qualms. No issues with paying bribes for various certificates. Not disturbed at family members evading taxes. Youth must stop the malpractices within their own families/offices. This might take care of much of the corruption issues and would be their real contribution to the cause.

12. Salaried: Just leave them alone. By and large, they can't contribute much to the corruption pool. They constitute the largest chunk of the three crore tax-payers in the country of 120 crore people. But they are the most-affected lot due to the cancer of corruption practiced by the fellow aam aadmi-whether it is adulteration of milk, grains or fuel; rigging by of prices by middlemen; or being fleeced by lawyers/agents/builders/doctors/contractors/auto or taxi drivers, and so on. They voice their frustration by criticising the government/government employees/the system, without realising that day-to-day life has been made difficult because of the malpractices by fellow 'common people'. And with no support from civil leaders, they will be left to fight this battle on their own.

In conclusion, even the most ideal Lokpal Bill is unlikely to address these issues, on a day-to-day level. Government employees, along with genuine anti-corruption crusaders, should go all out to give invaluable impetus to the anti-corruption movement to rid the country of this evil. The icing on the cake: the incremental revenues would turn out to be beyond anybody's wildest dreams-the various scams may pale in comparison.

Jai Bharat!




5 years ago

All segments r covered.Law enforcement agencies have more role to play.For gud postings, promotions n comforts they compromise integrity.They do whatever politicians want them 2 do.Of course we as Indians lack in Character.we r selfish lot.Excellent article

Ashok Patil

5 years ago

" Be the change you want to be " seems the core theme of Mr. Chaudhry's refreshingly different article. But knowing the Hypocracy in our society none of the segments mentioned will volunteer to change its corrupt practices. Govt. will have to come down heavily on them to make a normal citizen's life better.

Ulhas Phadnis

5 years ago

Excellent article. Author has brought out a totally new approach to the Corruption menace. We, the public, never want to see in mirror ; it could be frightening. So we attack politicians for every malice. Lok Pal has been projected as panacea for the Corruption evil. The author is correct that its notat all going to change all those practices mentioned by different segments; unless Common Man improves himself.
Ulhas Phadnis


5 years ago

The article looks too much biased and trying to protect BIG FISH by allegating on every segment of society without pin pointing the core of the issue.the author has forgot to find the origin of the corruption which starts st peaks and then spreads to all sections of society,
the author has not pointed about law enforcing agencies which are responsible to punish the culprits,and the core of corruption is that no one fears law and law breakers very well know they will get away un-punished in india,
just see any country where laws are tough and punishements are severe,the corruption levels are very low(LOG DANDE SE HI DARTE HAI,KAYDE KANUNO KI BATOE SA NAHI),it is evident from cases of singapore,china.korea etc,because culprits are punished severely.
so the whole article has not touched the core of the issue but just looks very shallow approach to divert people's attention from BIG FISHES.

A new milestone for Moneylife Foundation

While 300 people attended the whole-day session at Bengaluru, 4,000 people watched it live on the Web

Moneylife Foundation held its first seminar at Bengaluru on 16th July on "Investor, Empower Yourself." Around 300 people attended the whole-day session, and watched with rapt attention. This seminar was a big leap for the Foundation-it was the first time that it was being beamed live across the country. Almost 4,000 people across the nation watched the session live.

Congratulatory comments have been pouring in after the success of the seminar. PV Subramanian, author of several bestsellers and financial planner commented: "Even with not too great net connectivity, I watched it like it was on TV." This is just one of the several comments that we have received. Another participant (MR Suryaprakash) has sent Moneylife an email: "Congratulations. The seminar was interesting, educative and thought-provoking. Please inform me whenever you are conducting programmes at Bengaluru."

The live coverage beamed from Bengaluru is part of the Foundation's quest to spread financial literacy and promote consumer advocacy across the length and breadth of the country. The live streaming of the event was done by, founded by Anju Maudgal Kadam and Ketav Kadam. They and their team worked tirelessly for Moneylife Foundation's first such live event. "At, we believe that live streaming is an excellent platform for building focused communities. It is a medium that is clutter free of the commerce being transacted in other communication mediums and yet cost effective. A tool which was leveraged to its best by Moneylife Foundation, to take its message beyond geographical barriers, when they broadcasted the seminar-live from Bengaluru to the world. (This is) relevant messaging, to an ecosystem that is eager to gain a collective voice without compromising on ethics," Anju Maudgal Kadam told Moneylife.
The event was generously supported by Indiabulls. Moneylife Foundation has previously held such investor education programmes in Kolkata, Delhi, Pune and Mumbai. Stay tuned to this space for more such events!

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Global cues indicate soft opening for Indian stocks: Monday Market Preview

Investors are hopeful that positive earnings from corporates this week will boost the market

The Indian stock market is likely to open lower on weak global cues. Markets in Asia were mixed in early trade on Monday on concerns about the pace of the global economic recovery. The US markets closed higher on Friday as a late recovery boosted stocks. However, the impasse among political leaders to hike the debt ceiling is seen as a serious concern. The SGX Nifty was 30 points down at 5,561.50 compared to its previous close of 5,591.50.

The market ended in the red last week after three weeks of gains. The decline was mainly due to global factors and lower expectations on first quarter results. Lower industrial output for May weighed down by the manufacturing and mining sectors was also contributed to the decline.

The market closed lower for the first two days on weak global sentiments. Institutional buying support and firm Asian markets helped the indices close in the positive on Wednesday. Poor inflation numbers led to a flat close on Thursday. While the market opened in the green on Friday, it lost direction and ended lower, as investors were concerned that rising inflation will prompt the Reserve Bank of India (RBI) to hike rates at its review meeting at the end of the month.

Overall, the Sensex fell 2% (down 296 points) to close the week at 18,561 and the Nifty shed 1% (down 56 points) to 5,581. We expect the market to move sideways in the days to come until the Nifty reaches 5,520.

Wall Street closed modestly higher on Friday as the indices made a late hour recovery to end the session in the positive. Europe's financial health and US manufacturing data weighed down stock prices for much of the day.  However, strong earnings announcement from the Google Inc helped the markets to move higher in late trade. Also the Labor Department reported that the Consumer Price Index fell 0.2% in June.

The Labor Department reported that the Consumer Price Index fell 0.2% in June, falling for the first time in a year on account of a steep drop in gas costs. Americans paid more for autos, clothes and hotel stays however, driving prices outside of volatile food and energy costs were up.

The Dow gained 42.61 points (0.34%) to 12,479.73. The S&P 500 added 7.27 points (0.56%) to 1,316.14 and the Nasdaq climbed 27.13 points (0.98%) to 2,789.80.

Markets in Asia were mixed in early trade on Monday as debt worries on both sides of the Atlantic weighed on investors. Despite positive results from the stress test conducted by the European Banking Authority, a sovereign debt default by any Eurozone member could have negative implications. Also, the tardy progress on debt negotiations the US would mean that the world’s largest economy is under threat of a debt default.

The Shanghai Composite gained 0.04%, the Hang Seng climbed 0.58%, the Jakarta Composite rose 0.21%, the Straits Times advanced 0.17% and the Taiwan Weighted added 0.04%. On the other hand, the KLSE Composite was down 0.55% and the Seoul Composite declined 0.58%. The Nikkei 225 was closed for a local holiday.

Back home, fiscal measures to rein in inflation could impede the country’s infrastructure development due to squeezed investment for want of sufficient credit access, says top industrialist Ratan Tata.

Mr Tata said that the slowdown in infrastructure projects might have a major impact on job creation and the demand for goods and services, resulting in a substantially lower level of economic activity. India is aiming to spend $1 trillion in the next Plan period.


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