Consumer Issues
RBI manages its ‘Financial Inclusion’

Educational loan for staff hiked to Rs20 lakh @ 5%

 

While RBI is gearing up to play a key role in the grand plan to bring 150 million households into the formal financial system, RBI employees have obtained a nice fat ‘financial inclusion’ of their own.

Reserve Bank officials already enjoy the most generous perks among government employees, covering every conceivable personal expense including books, computers, gadgets, petrol expenses, in addition to generous travel allowances with few questions asked.
 
If this were not enough, their children were entitled to a hefty education loan of Rs10 lakh at a concessional rate of 5% to 8%.  The central bank has recently doubled the limit for this concessional loan to Rs20 lakh at the same low interest. It is no surprise then that so many children of central bankers can afford a foreign education.

What is certainly a surprise is that so many of these children then end up working for Indian and foreign banks under RBI’s regulation. Is it any wonder that RBI has only recently begun to work on a consumer charter and it supervision remains rather ineffective?

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COMMENTS

Amiit Gupta

2 years ago

This is really shows a wrong style of working by Dear Central bank..What message they want to given to Middle class indian society? Now every indian must say that RBI also need a REGULATOR now to control their monopoly.
ITS not acceptable DEAR RBI.Please work for aam indian family & person , not only for your own employee & their family who are already a HIGH Class RICH Family.
Think good from this Teachers Day & work for better society only without difference with your power.

Ramesh B Mhadlekar

3 years ago

RBI has exploited its Labour the Class IV &Class III employees who fall in the category of workmen by denying them the Central bank allowances which are paid only to the officer of RBI. Is it not exploitation or discriminative policy towards the labour class? Are the workmen of RBI not Central bank employees?
The Ex-regional directors of Mumbai’s claim of overtime continuously for 5 months as per the RTI, admits that the private driver was continuously used or exploited without giving him a break for one day every week for 5 months continuously, which is gross violation of Human Rights and the labour laws. Is this act of the EX-Regional director Mumbai not exploitation of Labour?
For such gross violations of Labour law and Human Rights, he has been rewarded by being appointed as Administrator of Coop bank at Nasik.

Madhur Aggarwal

3 years ago

We are number obsessed country .
I wonder Why
Numbers of Gross violation
- Unfair MP/ MLA/ Bureacracy Salary hikes do not create Hue n cry in Country like
price of tomato- Rs 100 kg .
Rise in Electricity bills.
There is something seriously wrong with the numbers in India.
They seem to be more inclined in favour of Ruling Class (Public servants ) than Citizens.

S.S.A.Zaidi

3 years ago

i could nt access Sucheta Dalal comment

vijay s

3 years ago

Ms. sucheta dalal is known for her anti RBI views as she failed to get in to RBI's communication deppt. Rather than concentrating on much bigger issues she is criticizing education loan , i.e.loan AND REPAYABLE. also it is one of the organizations where unlike Central/ state Govt you do not have to pay to get your work done. nor there is exploitation of any kind of labour or other facility.Also DGs are not in strict sense RBI employees.Politicians and IASs are jealous of RBI as they can not interfere with RBI as much as they would love too. Journalists are also unhappy as there are not many controversies about rbi FOR THEM TO GET 'breaking news.
Vijay Sangu

REPLY

Ramesh B Mhadlekar

In Reply to vijay s 3 years ago

RBI has exploited its Labour the Class IV &Class III employees who fall in the category of workmen by denying them the Central bank allowances which are paid only to the officer of RBI. Is it not exploitation or discriminative policy towards the labour class? Are the workmen of RBI not Central bank employees?
The Ex-regional directors of Mumbai’s claim of overtime continuously for 5 months as per the RTI, admits that the private driver was continuously used or exploited without giving him a break for one day every week for 5 months continuously, which is gross violation of Human Rights and the labour laws. Is this act of the EX-Regional director Mumbai not exploitation of Labour?
For such gross violations of Labour law and Human Rights, he has been rewarded by being appointed as Administrator of Coop bank at Nasik.

Ramesh B Mhadlekar

In Reply to vijay s 3 years ago

The RBI is an Autonomous body, but it has dishonestly affixed stickers of Government of India on its official vehicles, to dishonestly avail the benefits of parking their vehicle in the Parking Slot meant for Government vehicles at Railway Station, Airport, etc., to avoid tolls at certain toll naka, to get a salute from a road traffic constable, allow the vehicle to be parked in places where the ordinary citizens would not be allowed to park the vehicle or would have to pay Penalty, avoid checking’s of the car during Naka bandhi etc. It is for the readers to decide about the honesty in such acts and the said cars are being used by the top executives and their family members proudly.

Dhoot Usha

In Reply to vijay s 3 years ago

I do not agree with the comments of Vijay Sangu. In order to gag the voice of my husband who had invoked RTI for his purloined financial bill, I got a threatening letter from officials of RBI outraging my modesty and cautioning me of the dire consequences, that my husband (an employee of RBI) would have to face if he will continue to invoke RTI Act, 2005 for his legitimate right. The functioning and thinking of the officials will not change. I wrote to Governor Shri Raghu Ram Rajan, but till date no reply for my complaint from his office. Further, the officials of RBI had claimed that it was my presumption that the letter was sent by RBI officials, but could not produce any documentary evidence for their conclusion of presumption.
No action has been initiated by the Governor against the guilty officials who had breached the secrecy clause of the RTI Act by revealing the name of my husband to other officials who had purloined the financial bill of my husband. This also shows the respect towards the law passed by the supreme Parliament by RBI Officials. The officials need not have to pay from their pocket to fight litigations since they have battery of lawyers behind them (and with tax payer’s money) so that they can make mockery of the Laws of the Land.
Further, when I lodged a complaint against one of the officials for handling my complaint in a shoddy manner I was surprised that instead of investigating my charges on the said official, the complaint has been handled by the said officer against whom I had lodged a complaint. How one can expect justice?
This is how the RBI functions? There is no transparency and hence no controversy comes out from the Ivory Tower. It is easy to criticise the Central, State Government and journalists.
What you have to say on this?????

Amiit Gupta

In Reply to Dhoot Usha 2 years ago

Please fight till you get result..
FIGHT if you are RIGHT..
We are with you.

Sucheta Dalal

In Reply to vijay s 3 years ago

This comment is a sad and pathetic lie. 


Since you are clearly from the RBI, do show me evidence that I had ever sought or applied for any post at the RBI, leave alone the communications department. Or, for that matter, any other PR or image management company ever. 

Your comment shows that neither you nor your kind begin to understand what drives some of us journalists. 
I personally believe that I have been amply rewarded and recognised for my effort, without having lobbied for it. Had I, as you claim, hankered for an RBI communications job, I doubt it would have merited a Padma Shri. That is a richer recognition than money or perks, don’t you think?

Do try to think a little before spewing venom, because it does no credit to the Reserve Bank of India. It is interesting that you mention the Communications Department and NO OTHER, since this department has remained nasty and hostile to me ever since 1992 after I broke the Harshad Mehta scam. 
Is it possible that former journalists have issues being on the other side of the fence and are NOT satisfied by the fat perks they draw and the power that they abuse by playing a game of exclusion and vilification?
I have been bad-mouthed to every Deputy Governor and Executive Director since 1992. It is 22 long years of putting up with this. And my source of information is people at the highest level at RBI who have informed me about these vituperative allegations. But we still continue to make our efforts at advocacy and financial literacy with what little support we get from some fair minded individuals at the RBI.
Isnt it also uncanny how so many retired RBI officers seem to read, like and contribute to Moneylife? Clearly we are doing something right!
Thank you for raising this and giving me an opportunity to put some facts in the public domain!

Amiit Gupta

In Reply to Sucheta Dalal 2 years ago

Nice Reply Sucheta ji..

Madhur Aggarwal

3 years ago

I can understand loan at concessional rates bcoz education is essential for human development.
What I don't like at all is
placing these kids in RBI or related Govt. services post education completion .
What a life these kids have
No hunting for Food !!
Correction course
- Education loan should be between 3- 5 % for every child in India .
- No compromise screening procedure in RBI and Govt. services to remove Daddy's Clout on the system .
These kids sometimes know things before job interviews and test which a normal candidate don;t have access to .

REPLY

Ramesh B Mhadlekar

In Reply to Madhur Aggarwal 3 years ago

Concessional loan for education for whom who draw 6 figure salary and above the six figure get perquisites in the form of lunch coupons, double LFC for husband and wife working in RBI every alternate year,which is never available in any Government organisation only one of them can claim LFC or LTC once in two years and many other perquisites,which if put on the website could shock wave to the citizens of this country,the petrol to the lowest staff of RBI which even Commercial bank do not provide to their officials,the person staying in the premises also gets petrol allowances upto 300 liters per month depending upon the post held on mere declaration of having used the vehicle for reaching office,that is they drive their vehicle in the lift to reach office and for official work either taxi fare or tourist vehicle is booked for such officials etc.etc. etc. etc. never ending list.It is high time that the country decides whether such subsidies are to be given to employees who are financially well off?What crime poor farmers have done, whose subsides are being reduced or have to commit suicide?It is high time that the people of this country have to decide whether subsidized loans and interest free loans have to be stopped or not?

S.S.A.Zaidi

3 years ago

Ms Sucheta Dalal is a straiught forward and no nonsense journalist.I dont know her personally but as i have guaged from her writings she will not deviate from the right path to score some brownie points or to curry favour.so pls dont brand her as Anti RBI-If she feels some RBI policies are not in the interest of Public she will voice her opinion.I hope i will not be categorised as a psychophant

REPLY

Ramesh B Mhadlekar

In Reply to S.S.A.Zaidi 3 years ago

Writing truth against RBI requires guts and those who have guts to write truth would be branded as anti RBI.

S.S.A.Zaidi

In Reply to Ramesh B Mhadlekar 3 years ago

And she has guts.

Ramesh B Mhadlekar

3 years ago

If CAG audits the Reserve Bank,it will open can of worms.Especially the foreign tours and many other such issues.The RBI as per RTI has not put the details of foreign tours on its website.Can it explain why?The DOPT has issued circular in the said matter which has not been implemented by the Reserve Bank of India.

Gopalakrishnan T V

3 years ago

The RBI was a very conservative employer and the old timers had suffered without any of the perquisites and privilges.Old timers particularly those who retired prior to 2007 are suffering even today for want of adequate pension and their demand for an updated pension on par with Central government employees has not yet been acceded to though there is an agreement to pay pension on par with Government employees. What ever is stated may be of recent trend and perhaps these perks and privileges may be the reason behind RBI for being free from corruption Charges. When Children get good education naturally they get well employed and all employments of Children of RBI Executives in Indian Banks and Foreign banks cannot be attributed to RBI's regulatory Control on these banks.There may be exceptions.

REPLY

Ramesh B Mhadlekar

In Reply to Gopalakrishnan T V 3 years ago

Can you justify the claim by Ex-Regional Director Mumbai claiming overtime for his driver for all 5 months continuously as per RTI, or negatively having exploited his driver for 150 days continuously without giving a break for a day which is mandatory as per Labour law and Human Right even during his absence from headquarters,which is 8th wonder of the world and having been appointed in a lucrative job for his dishonest acts as a administrator in a coop bank at Nashik. What would you say about such bogus claims of the said executive,will you term this as honest executive or a corrupt executive?

Sanjaya M

3 years ago

M/s Sucheta dalal's anti-RBI Views are well known. But this is after all a loan and repayable from salary of the employee. RBI employee children do not enjoy any State Governments subsidiesed education plans and have to pay full- the educations cost have increased all over. State and Central Govt Officers and emloyees also enjoy much better perks. It would be appreciated if RBI AND GOVT POLICIES are focused for criticisam rather than the employee perks - after all they form insignificant part of expenditure.
Sanjay

REPLY

Ramesh B Mhadlekar

In Reply to Sanjaya M 3 years ago

RTI reveals RBI pays ex DG of RBI Rs 67000 for self&Rs.38000 for wife reading glasses &there is no limit for such claims as per RTI.
Also RTI reveals that a car was purchased for a DG few days or a month before quitting RBI for Rs.18,69,547/- and sold the same for 8,67,712/-at a discounted value of approx 10 lacs, whether these facilities are given to the Central Government employees or State government employees?
The wage revision of Government employees are once in 10 years and the wage revision of RBI employees is every 5 years if you want to compare the benefits of central Government or state government employees prepare a chart of perquisites and publish the same and let the readers decide who gets more perquisites?.

S BHASKARA NARAYANA

In Reply to Ramesh B Mhadlekar 3 years ago

Only 10% depreciation is allowed on cars each Financial year. Hence, even his retirement crosses March, it comes to Rs.1,86,954/- only, but not Rs.10 lacs. Central Vigilance Commission clearly says, it is dishonest act.

Rakesh Goyal

In Reply to Sanjaya M 3 years ago

Mr. Sanjaya M - Disagree with your views.

Ramesh B Mhadlekar

In Reply to Sanjaya M 3 years ago

Can RBI publish the perks it gives to its officials which would shock the nation.The perks and benefits are such which even the IAS officers would not be getting.Why are they shying from putting all the perks on the website which is mandatory to be published on the website as per The RTI Act 2005.
Can you justify the official luxurious and air conditioned banks car being used unlimited by family members including earning spouses and children @1Re per Kilometer,which is also not deposited by them.What is it honesty or dishonesty?

S.S.A.Zaidi

3 years ago

I wonder ; Is it really ""FINANCIAL INCLUSION ""???
Charity begins at home-

REPLY

Nagesh Kini

In Reply to S.S.A.Zaidi 3 years ago

Yes this in deed is a classic case of "Charity begins at home", why not enhance it for all education loans extended by commercial banks too?

Ramesh B Mhadlekar

3 years ago

Why for children the executives have formulated policies whereby their family members can enjoy the luxurious Air conditioned official car of RBI at the @Re 1 per kilometer,the cheapest travel in the world,even a footpath dweller or a beggar pays more for his travel.

One of their executive's as per information procured under the RTI act reveals that the Ex-Regional Director of Mumbai was claiming overtime for his private driver even during his absence from headquarters which was nothing but a dishonest claim and has been rewarded after retirement of being appointed as a Administrator of a cooperative bank in Nashik.

A Sahara for Business Barons?

Subrata Roy makes himself at home in Tihar

 

SEBI vs Sahara will rank among the most unique trials in India’s legal history; the twists and turns just don’t stop. The latest is that a jailed businessman, with a dodgy record of financial disclosures, gets to negotiate a sale of assets to raise bail of over $1.7 billion from a conference room set up at Tihar jail.


Now, Tihar has been temporary home to an array of powerful politicians, industrialists, celebrities and moneybags. But it is the first time that anyone has been permitted to set up video-conferencing facilities inside the jail to raise a spectacularly large bail.

Sahara’s ability to gobble up top global hotels in New York and London like mid-morning snack is a bit of a mystery; but there is clearly no shortage of buyers ready to bid for these marquee properties. The question is: Will Subrata Roy want to negotiate fast, sell quick, post bail and get out of Tihar jail, which has been his home since March 2014? Or will the comforts of a conference facility, with attached toilet and separate annexe, and the long negotiation time granted by the Supreme Court make this a protracted negotiation?


A lot would depend on the advice of Harish Salve, who is the latest in a line of extremely high-profile, powerful and expensive lawyers who have appeared for Sahara Pariwar, starting with the formidable Fali Nariman. Mr Salve has already obtained house arrest-like facilities for Mr Roy. He will have secretarial assistance and visitors will not be identified so long as they allow themselves to be frisked. In essence, visitors to the jail facility will find it easier than going past an airport security check which requires a valid boarding pass and identification.

Subrata Roy, who boasts close personal friendship with every politician, industrialist, cricketer and filmstar that matters in India, has been in jail for failing to refund Rs24,000 crore raised through debenture-like instruments floated by two group firms, namely, Sahara Housing and Sahara Real Estate.


This was after a two-year trial during which a series of top lawyers made astonishing charges against regulators and judges in court and Sahara itself issued bizarre full-page advertisements in newspapers across India. The trial was so nerve-wracking for the apex court judges that the court recorded its anguish over the “psychological offensives, mind games, affronts, jibes and consciously planned snubs” against the Bench by Sahara’s legal team. One SC judge even recused himself.

The trial has been just as hard, although lucrative, for a galaxy of top lawyers. Bar & Bench, a legal blog, points out  those who appeared for Sahara include Ram Jethmalani, Aryaman Sundaram, Rajeev Dhawan, Gopal Subramaniam, Ravi Shankar Prasad, Abhishek Manu Singhvi and several others.

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COMMENTS

SANAT KUMAR KAR

3 years ago

Point to note here is that how could the depositors get back a similar amount of money and why not bond holders. Has it something to do with different regulators and their different approaches to similar issues.

Lokesh C Sharma

3 years ago

I have worked with Sahara India Pariwar for almost 16 years. In my crucial 16 years of my professional life I have learnt so many aspects & perspective of life in the able guidance and leadership of Saharasri. He is not only the Managing Worker & Chairman of the Pariwar but more than a father figure for all of us. But it is most unfortunate that a person like Saharasri without committing a crime is behind the bars because of lethargy, crookedness, incompetence, lack of knowledge and revengeful attitude of some so called bureaucrats, who treat themselves as the God Father of the investors, whereas they are far away from the ground realities. They treat themselves as public servant; on the contrary they are treating public as their servants. I hope that every citizen of India will agree that “INJUSTICE ANYWHERE IS THREAT TO JUSTICE EVERYWHERE”.

Abhinav

3 years ago

It was unfair with Sahara, but its time for Subrata Roy to come out and fight back for Sahara's pride. I trust Sahara and I support Sahara.

Kavi

3 years ago

Its been a hard time for Sahara. But we have faith in it. Sahara is India's largest group in employment and is pride of India.They have adopted several villages and also contributed a lot in the growth of India. I believe in Sahara and I am with Sahara.

10 Digital Solutions to Make India the Best-Governed Nation
A 10-point digital roadmap for Mr Narendra Modi, that protects our assets, ensures that the right projects are undertaken, and delivers justice, equality, and liberty for all
 
Prime Minister Narendra Modi has inherited an India with major challenges: an economy that fails to distribute the needs but pushes the wants; an environment that is being irreversibly stripped off; a hassle-filled life where red tape, fraud, corruption and indifference are ever increasing; failed land-use management is destroying India’s forests, mountains, rivers, streams, and farms, and at the same time flooding its courts with disputes. Over and above all this, it is almost impossible to make the right projects happen in the right place at the right time wasting thousands of crores of tax-payers’ money
 
To remove all these ills, Mr Modi has to redesign the way governance works. What should he do to redesign governance quickly? Here is a roadmap that focuses on the need to protect the assets of the country, and to ensure that the right projects are being undertaken, where no one is denied benefits, where justice, equality, and liberty are within reach, the future scenarios are shared, and democracy is not a distant dream.
 
1. Budget.gov.in: Change the way money is spent
Every budget item on the central, state and local government is for some project, activity or event, at a specified location. By introducing the requirement to geotag, or display the location on the map, each item, in addition to its purpose, details, status and citizen comments, could be uploaded on a single website, budget.gov.in, a process that will change the way money gets spent.
 

Such a budget map would not only display where every rupee is going or has gone, but also show if the transfers from one agency to another, or from the central to state to local governments actually got spent on purposes for which it was intended. Such budget maps would ensure that the projects are not over budget, and run under different heads, or by different agencies. It would show how evenly funds are distributed for the governance of different regions and also identify purposes or budgets that are not equitable and fair.

 
All the PM needs to do is to implement a policy whereby no budget items will be included, nor disbursals be made without the location of the budget head being uploaded on budget.gov.in.
 
2. Survey.gov.in: Protect the country from land mafia
Today, the Survey of India protects the maps of the country, not its land. There is no public directory or map of all the survey numbers of the 32.87 lakh square km across the 595 districts in the country. There is no account of the changes happening in land use across the country. Land records and property records are not standardised across the country.
 

Requiring that all survey maps be geo-tagged, or their exact location on the district map be shown based on latitude and longitude, and display the survey land-use, ownership details, and any legal issues on a single website survey.gov.in will change the way land use happens across the country. Requiring that the North East point of every property have an official GPS device on it will alert a land use information system of any movement of this point.

 
Such a change will also allow Development Plans to be monitored and implemented. It will make land acquisition easier as well as partitioning property without violating land use. It can help find land for the landless, provide benefits to single property owners and prevent the speculation of land at the cost of the country’s land-use requirement.
 
Such a system could possibly allow authenticated account holders to search and view land-use, proposed use as per DP, encroachments, ownership, tenancy, and other claims by logging in to their account. The information they seek on individual properties will leave a trail for purposes of security.
 
All that the PM needs to do to initiate this is to require geotagging of every survey number by the Survey of India before any new land use activity is permitted on it.
 
3. Assets.gov.in: Protect assets of the country
While our national anthem boasts of our rivers, forests, and mountains, they are fast being lost to encroachment, mining and indiscriminate changes in land use. The indiscriminate felling of trees to make way for roads, real-estate or to use them as timber is wiping out India’s carbon absorption capacity, monsoon attracting potential, soil retention ability and even the flood buffering and ground-water recharge potential.
 
Requiring that every stream, river, lake, mountain and forest area boundaries are geotagged with physical markers at their boundaries will ensure a public alert on any alteration. Requiring each tree with a width bigger than 2 inches to be tagged with a RFID (Radio frequency ID, or a small chip that stores information that can be read from a distance by a RFID reader and can be used to do a periodic tree census) along with its geolocation will protect the trees and ensure the country’s valuable assets are not stolen or destroyed. This will also ensure that the forests, rivers, wetlands, fields and wastelands are better conserved as also the built-up environment across India.
 
A policy requiring all government assets be geotagged will enable identification of all the offices, land, equipment, and vehicles owned by various government agencies and the process of auditing them will be much simpler.
 
In this regard, PM needs to direct the Ministry of Environment and Forests and the Survey of India to work together to tag all the natural heritage of the country within a fixed time. He needs to ensure that the Finance Ministry does not release any budget for capital expenditure to any government agency that has not geotagged their movable and immovable assets.
 
4. beneficiaries.gov.in: Hassle free rights
An ID cannot be the enabler of an entitlement or a right; it can be a basis to audit the delivery. To ensure that no one is denied any service, entitlement or right for want of ID the government may require that each agency delivering any entitlement or right will capture the ID of the person benefiting from their service, entitlement or right. Such a record should be maintained to identify the beneficiary for future transactions for the delivery of rights without any hassles while permitting any audit of the delivery of entitlements and rights. All those having taken benefits would be listed on beneficiaries.gov.in for public audit.
 
Although the government has information on every citizen it has no mechanism to identify beneficiaries proactively without requiring a single form from those who wish to benefit from a scheme. This is both a waste of resources as also a way to exclude those who may really qualify.
 
The government would overcome this by internally connecting the birth, marriage, address registration and death records without requiring any form, id numbers or id from citizens to create a National Population Register. This would then be used to proactively identify the benefits each person is entitled to. This would also ensure that no citizen would need to submit to government any document issued by the government itself. While automatic entitlements and benefits could be provided to beneficiaries identified by the NPR, manual benefits should continue to those not automatically included in NPR.
 
To enable this the PM ought to create a separate beneficiaries department within the Registrar General of India’s office to proactively create and display the beneficiaries lists on maps.
 
5. oneid.gov.in: User managed shared ID
The UID is not a proof of identity. It is not even a proof of address. Nor is it is even a proof of existence: it does not prove that the person with a UID is a real person.
 
The UID is merely a random number assigned to unverified and unaudited data submitted by third parties paid per record. It provides no way to verify if the 12-digit number is one issued by the UIDAI, or even who submitted the biometric and demographic data. Worse, there is no way to tell if this number belongs to a real individual, or to the individual who submits the number, or is even a number generated through a diligent process, or by an authentic enroller, registrar, or the UIDAI. What is unbelievable is the identity solution cannot authenticate its own genuineness, the genuineness of its enrollers, registrars or of the UIDAI itself.
 
The use of such unauditable, unverifiable and 'unauthenticate-able' number to authenticate identity, to serve as the basis for governance, to be used to deliver benefits, rights and entitlements, to be used to open bank accounts and transfer money, and to create citizen registers or electoral rolls will seriously compromise governance, national security and the rule of law.
 
Just as the UK PM, David Cameroon’s, government kept their election promise and scrapped their National ID project PM Modi should ensure the UID and its database are completely purged in the interest of the governance, national security, the rule of law and justice.
 
In place of the UID a the government can enable a Shared ID at oneid.gov.in as was designed in Pune to allow citizens to create, own and share their own ID with complete control on who can see or use the ID and logs of access by third parties to their information. The citizens can access information on incentives, schemes, and programs they automatically qualified for or availed based on their profile. They can also access information on demography, energy use, water use, land use, mobility and other details in their neighbourhood after logging in to their account on oneid.gov.in.
 
The PM will need to declare the scrapping of the UID. He will need to create with the Registrar General of India a department to allow anyone to create and maintain their own Shared ID.
 
6. audit.gov.in: Audit of digital assets
Although the government creates, maintains and uses many digital assets there is no audit of the digital records or the processes that create the digital record. To ensure the authenticity of the digital assets the government would need to establish an audit cell with Comptroller Auditor General (CAG) to audit all digital records, processes to create the digital records and undertake annual audits of delivery of service, entitlement or right and seek the creation of a register of the excluded to ensure no one will be excluded from rights.
 
The PM would need to ask the CAG to create a special cell to audit the digital assets. The audit reports and a list of those excluded from rights would be displayed at audit.gov.in.
 
7. impact.gov.in: Monitor the impact of governance
The projects and budgets allocated as a result of the policies and legislation result in impacting the lives and environment of people in each of the 595 districts. Providing information that enables monitoring and correction of the budget expended and projects executed in each district at impact.gov.in would ensure that departments and ministries work to accomplish missions, not procedures. Various missions to ensure resource conservation, access, inclusion, peace, harmony, health, sufficiency, public interest, justice, liberty, equality, dignity would be monitored on this website.
 
The website would also project the need for workers in different occupations like agriculture, manufacturing and various services within each district and the required school capacity in the district to deliver bridge the gap. It would track energy demand and the current energy mix of coal, oil, natural gas, hydroelectricity, nuclear, solar, wind and other renewables to deliver to the district and beyond. It would track the agricultural produce and the districts deficit or surplus, the water demand and the sources to deliver the water. It would track the public transportation corridors and mobility within and between neighbouring districts. It would monitor the land-use and implementation of development plans. It would monitor the spread of habitats.
 
The PM would need to ensure that each project has to have a clear mission and a way to provide real-time impact to further resource conservation, access, inclusion, peace, harmony, health, sufficiency, public interest, justice, liberty, equality, dignity to accomplish the mission before being approved.
 
8. vote.gov.in: Anytime, anywhere voting
Ensuring democracy is an expensive, unverifiable and unauditable process. There is no way to ensure that your vote was cast for the candidate of your choice or if it continues to be till it is counted. There is no way to audit the votes counted against a candidate and certify that all the votes polled by the candidate are from real and legitimate voters and not from illegitimate rigging of EVMs. The voting process currently imposes elaborate barriers to being able to cast votes.
 
By enabling an indigenous mobile and internet-based anytime-anywhere voting system that is publicly auditable without compromising the privacy of the voter the government will take democracy closer to being real. It will enable freer, easier and auditable elections across the country at a fraction of the current cost.
 
9. future.gov.in: Exploring impact scenarios of policy and legislation
While the planning Commission of India has been making five year plans to match resource allocations to projected demands, there is no way to explore the impact of different policies or legislation on different sectors and over the long-term span of 50-100 years. This is particularly important as much of the critical nation building works over 20-30 year periods. For example it takes 20 years for a cohort born now to come into the working population. It takes about 20-30 years to build and commission power plants. It, therefore, stands to reason that the future scenarios over 50-100 years need to be studied.
 
By building and displaying such a long term projection computer model of India that allows to explore the consequences of various policies on the demography, economy, environment and resource challenges accessible to all on future.gov.in the government will create less policy resistance and greater alignment to shared goals.
 
Such a website would also allow the sharing of scenarios resulting from the implementation of various policies and acts that are in force and allow the stakeholders to comment and make suggestions for revisions of policies and legislation.
 
The PM will have to commission the development of such a model along the lines built by late Prof. Malcolm Slesser of Edinburgh and Strathclyde universities for various countries across the world, the World III model built by Prof. Donella and Dennis Meadows then of MIT, or the National Model being built by Prof. Jay Forrester of MIT. Such a computer model of India will allow us to explore the consequences of various policies on the demography, economy, environment, and resource challenges. The model will be accessible to all and provide standard scenarios of various policies and acts that are in force to allow stakeholders to comment and make suggestions for revisions of policy or acts.
 
10. justice.gov.in: Bringing justice to all
With over 3,000 plus central acts India is over-legislated. Even for those in the legal profession finding or knowing the applicable laws is non-trivial. By allowing search and discovery of applicable laws for a set of keywords on justice.gov.in the government will do great service in bringing access to the legal framework to all.
 
While the court system may continue to battle its challenges to provide justice in time the government could well provide a repository of elders in each district who will support alternative dispute resolution. This can reduce the delay in seeking justice and restore the confidence in the rule of law and delivery of justice.
 
Much of the justice process is today beyond the access of the common man. By enabling justice.gov.in for submission of cases of public interest violations as well as violations of justice, liberty, dignity and equality of which the courts take suo-moto cognisance. By enabling the issues submitted on this website and not taken up by the courts to be taken up by the elders of the district involved in alternate dispute resolution mechanisms, the government will ensure and entrench public interest, respect for justice, liberty, dignity and equality.
 
The PM needs to ensure that the Law Ministry takes up these projects on priority.
 
Henry David Thoreau believed “that government is best which governs least;” and “That government is best which governs not at all”. By implementing the roadmap, PM Modi can truly transform the government into the best government yet, not just in India but across the world.
 
(Anupam Saraph is a Professor, Future Designer, former governance and IT advisor to Goa Chief Minister Manohar Parrikar and the World Economic Forum)
 

User

COMMENTS

manoharlalsharma

3 years ago

LOCK and KEYS r 4 GENTLEMEN like people not 4 THIEVES like first to set the mind set of Gov.,Employees and than only VALUE in implementing 10 DIGIT solution in Governance.

Umapathy

3 years ago

the comment on UDIAI seems to be absurd, may be some irreducible minimum mistakes here and there which are bound to happen and branding overall procedure as farce is unacceptable instead suggestion may be made to correct and make it user friendly at the same time foolproof.It has also been inferred the people as fools who spent their time in ques to respond .so much money has been spent .It should not go waste as we cannot afford it .suggestion should be productive and worth following as unique identity is required to have better planning and control

Umapathy chennai

Lalit S Kathpalia

3 years ago

This is a fantastic article. Well thought and is very relevant and to the point on effective Governance enabled by a Digital Strategy. I am also happy to say that this article is neutral in its tone focusing on what can be accomplished and how thus making benefits realization possible. The only problem and which is not the authors is whether the PM or PMO buy this.

JAYENDRA PANDYA

3 years ago

What about Uniform Civil Code.
It is necessary that for a country which achieved independence 1947 and it is 67 years that we are dividing people of India on the basis of Caste, Community, Tribes, backwardness etc.
It is extremely that we ought to have one law for everyone. And before this law everyone shall be equal. No discrimination of any sort then only we can progress.
Author has also forgotten to mention need for large power projects, harnessing the river waters by building dams and canals and hydro-electric power projects. Good sanitation, i.e. well managed toilets along the highway and at required junctions.
Digital solutions no doubt is a good suggestion, but it is a small step towards administrative reform.

Dipankar Dutta

3 years ago

The concept is great but considering the resources needed, seems utopian.

REPLY

Rakesh Goyal

In Reply to Dipankar Dutta 3 years ago

If there is a will, there is a way. These can be implemented. One by one. May take some time. But, will vested interests allow this???

c v manian

3 years ago

Dear Sir
Anupam Saraph's article made some valid points. But can he provide some first cut numbers on the money, time and effort that will be involved. UPA's UID has collected lot of information and has a major database. We must not fritter away these efforts and must modify them to suit the current requirements. If bogus menthol has been there, it must be weeded out by physical verification. Voter data base could be used as a countercheck. All things in India needs effort and cooperation, but whatever that needs to be done, must be done for the future of the nation.
Regards
C V Manian

Radhakrishnan Subbiah

3 years ago

Nice to know that we have such future-designers who are optimistically active and willing to share their ideas. Everything is not lost for India. Good.I, for one, whenever I try to comprehend where are we & what are we doing and in which direction we are moving, I end up shell-shocked to realise that everything in India is politicised, corrupted to the core and regressive.Leading to, not stagnation, but accelerating backwards!! For example, take the law of the land (3000 legislations)and the kind of people handling these.Every other day some judge is accused of heinous acts,police apathy/corruption is etched very deep in people's psyche (police seem to be there only for themselves and not for the people who pay their salaries).. so deep that a sane citizen will not even touch them with a 100 foot pole. Net result , govt, law & order institutions have become the den of most undesirable people(??). Where did they come from? From within our society. Means the society is corrupt!! So, the future designers wanting to improve the situation, need to focus on how to un-corrupt this society first.There is an age old proven approach...let all the sane citizens ( not corrupted yet)pray to the Creator-Protector, for salvation. It is said that even if 2% of the population do this sincerely,he'll respond. I can hear some saying ,why go to this god or that god, why not do it ourseleves. To them, I say, please look at Arvind Kejriwal, his intentions were good, but where is he today? One Kejriwal here, another there, is always surrounded by this corrupt society, which'll make sure that the status-quo is maintained or dragged down.Only individuals ,acting on their own, praying sincerely for intervention from above can save the sane humans. I am not discouraging future-designers, but only pointing to the starting point, for the design to take strong roots and grow healthy.

Vivek Ananth

3 years ago

This is actually good stuf.

manoharlalsharma

3 years ago

artical 'Subsidy-kills'all know but no one speak about CAST CATEGORY-RESERVATION for in jobs.,and very recent but kept all in silence over to get a Residential flat transfer in CIDCO region u hv. to produce a DOMICILE CERTIFICATE speak some thing that Kills constitutional right U/S-14

icrao

3 years ago

The greatest disappointment is the utter failure of the UID scheme entrusted to a star Executive with full powers and MOS Status.
It has turned out to be a national disgrace.
Must be scrapped.
IC Rao

JIGNESH Dosshi

3 years ago

Shri Anupamji,
In what order of effective results these can be implemented to begin with and in what time frame, such information may prove beneficial to take up this huge task by the present government. If you could share which of these have been implemented in Goa, it could boost the necessity and effective solutions for other States and the entire nation.
Mr. Rakesh Goyal has also raised same point.

dv

3 years ago

Interesting and thought provoking. Thank you for publishing this. Please get them to read this.

vns

3 years ago

What we see presently is absence of result oriented approach by Govt employees which should include all levels incl IAS. Govt Babus are sitting in their cozy office rooms only to direct the Janata to a court of law for getting a decision which can be implemented by them. They dont properly respond to RTI queries. Please include one major point , that is, the punishment and penalty clauses to Govt employees in their service condition for their non-functioning and non-effectiveness in governance. Once this is done political masters will be compelled to give result.
Second point should be that EDucation and Health should be made Free and available to people closest to their homes. I agree with stricter action against Land Mafia.
3rd issue is PR exercises in approaching/ listening to the people's grievances directly.

Sucheta Dalal

3 years ago

Dr Saraf

What a brilliant article. Thank you so much for writing this for us. We citizens must make every effort to get the Prime Minister to read this and implement it!

REPLY

Nagesh Kini

In Reply to Sucheta Dalal 3 years ago

I entirely agree with Sucheta - a great article!
As one in the audit profession for long and dealing with authorities at all levels I believe the entire government set up needs a total revisit by revamping - first scrapping the many Raj-era laws, making the CAG functioning more effective, totally simplifying and rationalizing the direct tax laws,
making the PAN card more complete by incorporating the address.
All these don't have to wait and can get started right away.

Amiit Gupta

3 years ago

Dear reader please make a strong will to implement this good idea with in 5 years timeline. Collectively nice idea for better government procedure..

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