Saturday, September 26, 2026

1000. Home Page: Global Lessons for India, सूरज हमे रोशनी देता। हवा नया जीवन देती है।भूख मिटाने को हम अब की धरती पर खेती होती है। हम भी कुछ देना सीखे। World Engineer Index- Journey of USD 5 trillion economy by India - Key Initiative and potential scope of development.





World Engineer

World Engineer
India • Policy • Technology • Economy • Engineering • Global Lessons

India Policy + Engineering + Technology + Economy + Global Lessons

विचार से समाधान तक | नीति से प्रभाव तक | Building a Better India

World Engineer 10 Core Pillars
India Vision 2047
India's $10T economy pathway
Manufacturing India 2047
Employment & Skills 2.0
Innovation & R&D
AI & India
Energy transition
Infrastructure
Global Lessons
Ease of Doing Business




ब्लॉग का परिचय

World Engineer केवल articles प्रकाशित करने वाला ब्लॉग नहीं है; यह भारत के विकास से जुड़े विभिन्न क्षेत्रों पर constructive ideas, policy thinking और practical solutions प्रस्तुत करने का प्रयास है।

ब्लॉग का मूल उद्देश्य decision-makers, stakeholders और experts के बीच constructive dialogue को बढ़ावा देना है। इसकी शुरुआत से लेकर वर्तमान सामग्री तक एक महत्वपूर्ण evolution दिखाई देता है—engineering और technology की सोच से लेकर national development, governance और India Vision 2047 तक।

इस ब्लॉग की सबसे बड़ी विशेषता इसकी multi-sector approach है।

यहाँ किसी समस्या को केवल समस्या के रूप में देखने के बजाय यह प्रश्न उठाया जाता है:

क्या existing system को बेहतर बनाया जा सकता है?
क्या technology cost कम करके service quality बढ़ा सकती है?
क्या policy reform से GDP, employment, FDI और Ease of Doing Business पर सकारात्मक प्रभाव पड़ सकता है?
और सबसे महत्वपूर्ण—क्या उसके परिणाम को measurable बनाया जा सकता है?

NCS 2.0 जैसे हालिया लेखों में यही सोच स्पष्ट दिखाई देती है—existing infrastructure को replace करने के बजाय “Optimise + Modernise + Reuse”, technology के साथ citizen experience, cost optimisation, employment outcomes और impact assessment को जोड़ना।

इसी प्रकार Disaster Resilience पर लेख disaster response से आगे बढ़कर risk mapping, prevention, critical infrastructure resilience, AI-based early warning, insurance, economic continuity और Vision 2047 को एक integrated framework में रखता है।

हमारा दृष्टिकोण

Problem

समस्या को पहचानना।

Evidence

विश्वसनीय आँकड़ों और उपलब्ध evidence को समझना।

Benchmark

भारत और विश्व के बेहतर models से सीखना।

Reform

व्यावहारिक policy या technology solution प्रस्तावित करना।

Implementation

कौन करेगा, कैसे करेगा और कितने समय में करेगा—यह स्पष्ट करना।

Investment

लागत, FDI और private-sector participation का आकलन करना।

Impact

GDP, employment, productivity, citizen experience और social impact को मापना।

Continuous Improvement

Policy को एक बार का निर्णय नहीं, बल्कि लगातार सुधार की प्रक्रिया मानना।

📚 World Engineer — Master Index

PART I — INDIA VISION 2047

1. India Vision 2047

  • विकसित भारत 2047
  • National Policy Reforms
  • 100 National Policy Reform Framework
  • Vision 2030
  • Vision 2035
  • Vision 2040
  • Vision 2047
  • National Development Roadmap
  • GDP Growth Strategy
  • Double-Digit Growth
  • India $10 Trillion+ Economy
  • Long-Term National Competitiveness

PART II — GOVERNANCE & INSTITUTIONAL REFORMS

2. Good Governance

  • सुशासन
  • Performance-Based Governance
  • Government Accountability
  • Government Cost Optimisation
  • Public Service Delivery
  • Outcome-Based Governance
  • National Development Index
  • Vision 2047 Monitoring Dashboard

3. Constitutional & Administrative Reform

  • Civil Service Reform
  • Policy Evaluation Commission
  • Institutional Reform
  • National Development Indicators
  • Administrative Efficiency
  • Centre-State Coordination

4. Digital Governance

  • Digital Citizen Services
  • Digital Public Infrastructure
  • Technology for Transparency
  • Digital Records
  • Digital Identity
  • Digital Payments
  • Digital Monitoring

PART III — ECONOMY, GDP & INVESTMENT

5. Growth Sector India 2026

  • Growth Sector India
  • India Growth Opportunities
  • GDP Expansion
  • New Economic Sectors
  • Productivity
  • Investment Opportunities
  • Global Competitiveness

6. FDI & Investment

  • FDI Opportunities
  • Manufacturing FDI
  • Infrastructure FDI
  • Technology FDI
  • Green Investment
  • Real Estate Investment
  • Tourism Investment
  • Critical Minerals
  • Energy Investment

7. Financial & Capital Markets

  • Capital Market Reform
  • MCX
  • Gold & Silver Market
  • Currency Market
  • INR Internationalisation
  • Banking Reform
  • Digital Banking
  • Financial Transparency

PART IV — DIGITAL INDIA & TECHNOLOGY

8. Digital India

  • Digital India
  • Aadhaar-enabled services
  • Digital RTO
  • Digital Citizen Infrastructure
  • Digital Identity
  • Digital Authentication
  • QR/Barcode Technology
  • Digital Transparency

9. AI & Emerging Technology

  • Artificial Intelligence
  • Decision Intelligence
  • AI in Governance
  • AI in Employment
  • AI in Disaster Management
  • AI in Sustainable Development
  • Robotics
  • Quantum Computing
  • Supercomputing
  • Biotechnology
  • Space Technology

10. Cybersecurity & Data

  • Cybersecurity
  • Data Privacy
  • National Data Policy
  • Digital Sovereignty
  • Secure Digital Infrastructure
  • Identity & Data Protection
  • AI Governance

PART V — INFRASTRUCTURE & URBAN DEVELOPMENT

11. Smart Cities

  • Smart City Infrastructure
  • 100+ Smart Cities
  • Ayodhya as Smart City
  • Urban Planning
  • Urban Digital Infrastructure
  • Smart Mobility

12. Transport Infrastructure

  • National Road Mission
  • Railway Modernisation
  • Railway Electrification
  • Smart Traffic
  • Public Transportation
  • Passenger Mobility
  • PM Gati Shakti
  • Logistics Infrastructure

13. Water & Waste Infrastructure

  • Water Management
  • River Interlinking
  • Rainwater Harvesting
  • Sewage Management
  • Solid Waste Management
  • Waste Treatment
  • Urban Water Security

14. Telecom & Digital Infrastructure

  • Telecommunications Reform
  • Indian Telecommunication Bill
  • Optical Fibre
  • Digital Infrastructure
  • Data Centres
  • Cloud Infrastructure
  • Digital Connectivity

PART VI — ENERGY & GREEN INDIA

15. Renewable Energy

  • Solar Energy
  • Wind Energy
  • Renewable Energy
  • Green Infrastructure
  • Green Energy Investment
  • Energy Storage

16. Energy Efficiency

  • Energy Efficiency
  • Smart Metering
  • Power Distribution
  • Energy Security
  • 24×7 Electricity

17. Climate & Environment

  • Net Zero
  • Climate Adaptation
  • Air Pollution
  • Biodiversity
  • Forest Conservation
  • River Restoration
  • Water Conservation
  • Sustainable Development

PART VII — AGRICULTURE & RURAL DEVELOPMENT

18. Agriculture Modernisation

  • Agricultural Technology
  • Agritech
  • Food Technology
  • Irrigation
  • Organic Farming
  • Farmer Producer Organisations
  • Agricultural Exports
  • Rural Industries

19. Rural Economy

  • Rural Employment
  • Rural Entrepreneurship
  • Small Farmers
  • Doubling Farmer Income
  • Rural Digital Infrastructure
  • Rural Skill Development

20. Food & Agricultural Export

  • Food Export
  • Dynamic Food Export Safety Framework
  • Food Processing
  • Cold Chain
  • Global Food Market
  • Agricultural Value Chain

PART VIII — HUMAN CAPITAL, EMPLOYMENT & SKILLS

21. National Employment Infrastructure

  • NCS 2.0
  • National Career Service
  • Digital Employment Infrastructure
  • National Digital Skills Passport
  • AI Job Matching
  • Career Intelligence
  • Verified Employer Network
  • Labour Market Intelligence

NCS 2.0 में ब्लॉग ने employment को केवल vacancy-search नहीं बल्कि Human Capital + Skills + Career + Employer + Training + Mobility के integrated ecosystem के रूप में देखने का प्रस्ताव रखा है।

22. Employment & Unemployment

  • Employment Policy
  • Youth Employment
  • Women Employment
  • Rural Employment
  • Gig Economy
  • Self Employment
  • Apprenticeship
  • International Employment

23. Skills & Human Capital

  • Skill Development
  • Digital Skills
  • Future Skills
  • Industry Skills
  • Skill Gap
  • Employability
  • Human Capital Productivity

PART IX — EDUCATION & STUDENT DEVELOPMENT

24. Education in India

  • Education System
  • Education Industry
  • Quality Education
  • Education Transparency
  • Digital Education
  • Teacher Development

25. Competitive Examination & Student Success

  • IIT-JEE
  • NEET
  • UPSC
  • NDA
  • PCS
  • Olympiad
  • Foundation Preparation
  • Study Strategy
  • Time Management
  • Self Discipline
  • Motivation
  • Online vs Offline Education

26. Students से सीधी बात

  • सही लक्ष्य
  • सही दिशा
  • सही strategy
  • मेहनत
  • consistency
  • attitude
  • discipline
  • parent support
  • teacher guidance
  • continuous improvement

ब्लॉग की student-focused सामग्री में एक महत्वपूर्ण विचार यह है कि resources से अधिक महत्वपूर्ण उनका सही उपयोग, attitude, discipline और consistent execution है।

PART X — SOCIAL DEVELOPMENT

27. Women Empowerment

  • महिला सुरक्षा
  • महिला रोजगार
  • आर्थिक स्वतंत्रता
  • Women Entrepreneurship
  • Skill Development

28. Youth Policy

  • Youth Development
  • Youth Employment
  • Sports
  • Entrepreneurship
  • Innovation

29. Social Security

  • Social Security
  • Migrant Workers
  • Employment Protection
  • Citizen Welfare
  • Digital Social Services

30. Culture & Heritage

  • Cultural Heritage
  • Tourism
  • Heritage Cities
  • India’s Cultural Economy

31. Sports

  • Sports Policy
  • Sports Infrastructure
  • Youth Development
  • Sports Social Responsibility

PART XI — LAW, SECURITY & CITIZEN PROTECTION

32. Internal Security

  • Internal Security
  • Border Security
  • National Security Architecture
  • Critical Infrastructure Security
  • Cybersecurity

33. Legal & Judicial Reform

  • Judicial Reform
  • Ease of Justice
  • Legal Technology
  • Citizen-Centric Justice
  • Faster Dispute Resolution

34. Consumer Protection

  • Telecom Consumer Protection
  • Spam Calls
  • Digital Fraud
  • Financial Security
  • Citizen Grievance

PART XII — DISASTER RESILIENCE

35. Disaster Management

  • Disaster Management
  • Disaster Risk Reduction
  • Climate Resilience
  • Critical Infrastructure Resilience
  • AI Early Warning
  • Emergency Digital Command
  • Disaster Insurance
  • Risk Financing
  • Disaster Technology

ब्लॉग का यह क्षेत्र disaster management को केवल relief और compensation तक सीमित न रखकर prevention → mitigation → early warning → preparedness → response → rapid recovery → build back better के framework में देखने का प्रयास करता है।

PART XIII — INDUSTRY, ENGINEERING & INNOVATION

36. Engineering & Industrial Technology

  • Engineering Innovation
  • Manufacturing
  • Automation
  • Industrial Technology
  • Digital Engineering
  • Industry 4.0

37. Make in India

  • Manufacturing
  • Indigenous Technology
  • Semiconductor
  • Microprocessors
  • Industrial Corridors
  • Supply Chain

38. Innovation & Entrepreneurship

  • Startup Ecosystem
  • Innovation Hubs
  • Intellectual Property Rights
  • R&D
  • Deep Technology
  • Technology Commercialisation

PART XIV — FUTURE ECONOMY

39. Space Economy

  • Space & Satellite Economy
  • Satellite Technology
  • Space Infrastructure
  • Commercial Space

40. Critical Minerals

  • Critical Mineral Mission
  • Mineral Security
  • Strategic Supply Chains
  • Mining Technology
  • Global Mineral Competition

41. Marine & Blue Economy

  • Marine Propulsion
  • Fisheries
  • Blue Economy
  • Ports
  • Maritime Technology

PART XV — SPECIAL POLICY IDEAS

42. Unique Policy Ideas

यह section उन innovative ideas के लिए हो सकता है जो किसी एक sector में सीमित नहीं हैं:

  • Technology-led transparency
  • Digital identity reform
  • Smart taxation
  • Citizen feedback systems
  • Public digital infrastructure
  • Government cost optimisation
  • AI-assisted governance
  • National dashboards
  • Outcome-based public spending
  • Public-private innovation models

🌟 Blog की वास्तविक पहचान

इन सभी विषयों को एक साथ देखने पर World Engineer की सबसे बड़ी strength केवल विषयों की संख्या नहीं है।

इसकी असली ताकत है:

Engineering Mindset + Policy Thinking + Economic Thinking + Social Responsibility

यानी:

समस्या को समझना → system को analyse करना → technology का उपयोग करना → policy सुधारना → implementation plan बनाना → cost देखना → impact मापना।


🇮🇳 World Engineer — सकारात्मक संदेश

भारत का भविष्य केवल सरकार नहीं बनाएगी।
सरकार, industry, professionals, engineers, teachers, students, entrepreneurs और citizens—सभी मिलकर बनाएँगे।

एक अच्छा विचार तभी मूल्यवान बनता है जब वह किसी समस्या का समाधान खोजने में मदद करे।

World Engineer इसी सोच को आगे बढ़ाने का प्रयास है—
आलोचना के बजाय constructive dialogue,
समस्या के साथ समाधान,
योजना के साथ implementation,
और विकास के साथ measurable impact।

आज का विचार कल की policy बन सकता है।
आज का छोटा innovation कल का national infrastructure बन सकता है।
और आज की जिम्मेदार सोच आने वाली पीढ़ियों के लिए बेहतर भारत की नींव बन सकती है।

Think Beyond Today. Build for 2047.

World Engineer
Ideas • Innovation • Policy • Technology • Development • Impact

“विचार से समाधान, समाधान से नीति और नीति से राष्ट्र निर्माण।”



------------------------------------------------

World Engineer
विचार से समाधान तक | नीति से प्रभाव तक | Building a Better India

Policy को एक बार का निर्णय नहीं, बल्कि लगातार सुधार की प्रक्रिया मानना।

ब्लॉग का परिचय
World Engineer केवल articles प्रकाशित करने वाला ब्लॉग नहीं है; यह भारत के विकास से जुड़े विभिन्न क्षेत्रों पर constructive ideas, policy thinking और practical solutions प्रस्तुत करने का प्रयास है।

ब्लॉग का मूल उद्देश्य decision-makers, stakeholders और experts के बीच constructive dialogue को बढ़ावा देना है।

इस ब्लॉग की सबसे बड़ी विशेषता इसकी multi-sector approach है।

यहाँ किसी समस्या को केवल समस्या के रूप में देखने के बजाय यह प्रश्न उठाया जाता है:
क्या existing system को बेहतर बनाया जा सकता है?
क्या technology cost कम करके service quality बढ़ा सकती है?
क्या policy reform से GDP, employment, FDI और Ease of Doing Business पर सकारात्मक प्रभाव पड़ सकता है?
और सबसे महत्वपूर्ण—क्या उसके परिणाम को measurable बनाया जा सकता है?



World Engineer Index

Purpose of This Blogger: Informal dialogue aimed at facilitating a constructive exchange of ideas between the decision-makers, stakeholders, and experts across various sectors.



Inspired by

सूरज हमे रोशनी देता। हवा नया जीवन देती है।भूख मिटाने को हम अब की धरती पर खेती होती है। हम भी कुछ देना सीखे।

भारत का भविष्य केवल सरकार नहीं बनाएगी।
सरकार, industry, professionals, engineers, teachers, students, entrepreneurs और citizens—सभी मिलकर बनाएँगे।

एक अच्छा विचार तभी मूल्यवान बनता है जब वह किसी समस्या का समाधान खोजने में मदद करे।
World Engineer इसी सोच को आगे बढ़ाने का प्रयास है—
आलोचना के बजाय constructive dialogue,
समस्या के साथ समाधान,
योजना के साथ implementation,
और विकास के साथ measurable impact।
आज का विचार कल की policy बन सकता है।
आज का छोटा innovation कल का national infrastructure बन सकता है।
और आज की जिम्मेदार सोच आने वाली पीढ़ियों के लिए बेहतर भारत की नींव बन सकती है।
Think Beyond Today. Build for 2047.
World Engineer
Ideas • Innovation • Policy • Technology • Development • Impact
“विचार से समाधान, समाधान से नीति और नीति से राष्ट्र निर्माण।”



Social Initiative: 
"Potential of development of India” Ideas- Mind blowing discussion and detail view on Top Blogger Topic




 

National Level Education Fee Regulatory Bill as per grade of school


2 Railways
3 Real estate
4 Tourism
5 Rent Concept  
6 Parking Concept-5000 plus crore revenue generation opportunity

7 Medical Professional sector 
8 Shop sectors
9 MNC Company
10 Smart city -$1.5 Trillion Market Opportunity
Road 
11 Cancer free India 
12 Oil Bill
13 National Food Security Bill 
14 Senior Citizen
15 Job Sector
Job opportunities in India
16 Agriculture
17 Boosting Industries
18 Power sector
19 Electricity Bill  
20 Self dependency of Students 
21 One INDIA, One VAT & One Service Tax 
22 Cold storage
23-Banking-Sector
24 Food-Item-Export 
25 Regularizing-Temporary-Employment
26 Taxi-Securing-safe-journey-for-students-Senior-citizens-tourist-Girls
27 Personal-Information-Privacy
28 Delhi-Tourism
29 Idea for Clean Ganga
30 Idea for Swachh Bharat- Clean India Project
31 Bagger
32 Post Office
33 Planning Commission
34 Social responsibility of Religious places
35 Social responsibility of Sports Body ICC_ BCCI 
36 Social responsibility of Film Industry
37 Insurance Sector
38 Internet Telecom 
39 Farmer 
40 Aadhar 
        Aadhar enable digital RTO
        Aadhar Enable Integrated Rent Agreement_
        Aadhar Enable Police verification Concept Process
        UNLOCKING INDIAS TOMORROW admiration of path-breaking initiative by the Government.-Aadhar based system a move towards  double digit India GDP in next 2 years

Aadhar linked National Academic Depository (NAD)
        Aadhar - Voter ID 
41 Women Safety
42  चीन का भारत में इंटरफेयर 
43  Master stroke India Double digit growth 
44  Solar
45 NGT
46 Connecting River
47 Education transparency 
48 Ayodhya as 101th Smart City
49 Digital India
50 DMRC
51 EPFO
52  Ease of Justice, 
            Unique identification नंबर के साथ QR कोड कोट द्वारा डियाज रहा।नेशनल डेटा ग्रिड बन रहा। लोकतंत्र के लिए विश्वस्तरीय न्याय प्रणाली।
53 Unique ID for land

Allowing their conversion into any other type of company at any time






60 National Pension System (NPS)

61 TRAI

62 Police



64 औद्योगिक टाउनशिप
65 Rural Development
66 नेशनल डिजिटल हेल्थ मिशन
68 प्रधानमंत्री सुरक्षा बीमा योजना 2015
69 नागरिको की खुशहाली।
70 नागरिक अस्पताल
71 Make In India
72 Startup India
73 दुनिया का देश पर विश्वास
74 सांसद आदर्श ग्राम योजना 2014
75 शिक्षकों को सम्मानजनक वेतनमान एवं सेवा शर्तों पर नियुक्ति।
शिक्षकों के लिए ऊच्च सन्मान ओर शिक्षा के पेशे को ऊच्च दर्जा।
टैक्स में स्पेशल छूट।

78 जनधन योजना 2014 
79 खुशहाल और श्रेष्ठ जीवन
80 Optic fiber link for 6 lakhs Village Target-2023 



















Social Initiative











तूफान में कश्तियां ओर अभिमान में हस्तिया डूब जाती है.

Reference Tags

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Friday, September 25, 2026

13. बैंकिंग जवाबदेही (Banking Accountability), उपभोक्ता अधिकार और बैंकिंग सुधार, FDI अवसर- ₹1–2 लाख करोड़ रोजगार सृजन - अनुमानित रोजगार: 15–20 लाख GDP में 0.5–1.0% अतिरिक्त वार्षिक योगदान

 बैंकिंग जवाबदेही (Banking Accountability), उपभोक्ता अधिकार और बैंकिंग सुधार

भारत विज़न 2047 – राष्ट्रीय नीति सुधार श्रृंखला

उत्तरदायी एवं पारदर्शी बैंकिंग प्रणाली मिशन 2047

(Banking Accountability & Consumer Protection Reform Policy)



उपशीर्षक

ग्राहक अधिकारों की सुरक्षा, बैंकिंग जवाबदेही, डिजिटल विश्वास और Ease of Doing Business को मजबूत करने की राष्ट्रीय नीति

वर्तमान स्थिति

भारत विश्व की सबसे बड़ी बैंकिंग एवं डिजिटल भुगतान अर्थव्यवस्थाओं में से एक बन चुका है।

  • 55 करोड़ से अधिक जनधन खाते
  • UPI प्रतिमाह अरबों डिजिटल लेनदेन
  • DBT द्वारा करोड़ों लाभार्थियों को सीधा भुगतान
  • Home Loan, Education Loan एवं MSME Loan में तीव्र वृद्धि

इसके बावजूद ग्राहकों की प्रमुख शिकायतें हैं—

  • EMI समायोजन में देरी
  • गलत शुल्क कटौती
  • ATM नकदी विवाद
  • क्षतिग्रस्त नोट
  • शिकायतों के निस्तारण में विलंब
  • SLA का अभाव
  • डिजिटल शिकायत ट्रैकिंग में पारदर्शिता की कमी

प्रमुख चुनौतियाँ

  • बैंक त्रुटियों पर स्पष्ट दंड व्यवस्था का अभाव
  • ग्राहक शिकायतों के समाधान की समय-सीमा का असमान पालन
  • विभिन्न बैंकों में अलग-अलग प्रक्रियाएँ
  • तकनीकी विफलताओं की स्थिति में ग्राहक पर वित्तीय बोझ
  • RBI दिशानिर्देशों के अनुपालन की निगरानी में सुधार की आवश्यकता

अंतरराष्ट्रीय सर्वोत्तम उदाहरण (Benchmarking)

देश प्रमुख व्यवस्था
UK Financial Ombudsman Service द्वारा समयबद्ध समाधान
Australia Australian Financial Complaints Authority (AFCA)
Singapore डिजिटल बैंकिंग SLA एवं उपभोक्ता मुआवजा मॉडल
European Union PSD2 के अंतर्गत ग्राहक सुरक्षा एवं भुगतान जवाबदेही

भारत के लिए नीति सुधार

1. Banking Customer Rights Act

ग्राहकों के लिए एक समर्पित कानून जिसमें

  • समयबद्ध शिकायत समाधान
  • बैंक त्रुटि पर स्वतः मुआवजा
  • डिजिटल ट्रैकिंग
  • पारदर्शी ऑडिट

2. Banking Service Level Agreement (SLA)

प्रत्येक बैंकिंग सेवा के लिए अधिकतम समय सीमा

  • EMI Posting
  • NEFT/RTGS Adjustment
  • Insurance Update
  • Loan Closure
  • KYC Update
  • ATM Dispute

3. Automatic Compensation Policy

यदि बैंक निर्धारित समय सीमा से अधिक विलंब करे

तो

  • स्वतः ब्याज
  • स्वतः क्षतिपूर्ति

ग्राहक के खाते में जमा हो।

4. AI आधारित Banking Monitoring Platform

  • Fraud Detection
  • Complaint Analytics
  • Service Delay Prediction
  • RBI Dashboard

5. National Banking Performance Index

हर बैंक की सार्वजनिक रैंकिंग

  • शिकायत समाधान
  • ग्राहक संतुष्टि
  • डिजिटल सेवा
  • SLA अनुपालन

कार्यान्वयन योजना

चरण 1 (2026–2030)

  • Banking Accountability Framework
  • RBI Unified Complaint Portal
  • सभी बैंकों में SLA

चरण 2 (2030–2035)

  • AI आधारित ऑडिट
  • रियल टाइम शिकायत ट्रैकिंग
  • डिजिटल उपभोक्ता अधिकार प्लेटफॉर्म

चरण 3 (2035–2040)

  • Blockchain आधारित Audit Trail
  • Smart Banking Compliance

चरण 4 (2040–2047)

  • विश्व स्तरीय Consumer Protection Banking Ecosystem

अनुमानित लागत

क्षेत्र अनुमानित निवेश
Digital Banking Platform ₹20,000 करोड़
AI Monitoring ₹12,000 करोड़
Cyber Security ₹18,000 करोड़
Consumer Protection Systems ₹10,000 करोड़

कुल अनुमानित निवेश: ₹60,000 करोड़ (2026–2047)

GDP पर संभावित प्रभाव

बेहतर बैंकिंग दक्षता, कम विवाद और अधिक वित्तीय विश्वास से:

  • GDP में 0.5–1.0% अतिरिक्त वार्षिक योगदान (दीर्घकालिक अनुमान)
  • ऋण वितरण की दक्षता में सुधार
  • MSME वित्तपोषण में वृद्धि
  • डिजिटल अर्थव्यवस्था को मजबूती

रोजगार सृजन

  • FinTech
  • AI
  • Cyber Security
  • Compliance
  • Data Analytics

अनुमानित रोजगार: 15–20 लाख प्रत्यक्ष एवं अप्रत्यक्ष अवसर (2047 तक)

FDI अवसर

विश्वसनीय और पारदर्शी बैंकिंग प्रणाली से:

  • FinTech
  • Digital Banking
  • AI
  • RegTech
  • Cyber Security

में ₹1–2 लाख करोड़ तक संभावित अतिरिक्त निवेश (2026–2047) आकर्षित हो सकता है।

Ease of Doing Business पर प्रभाव

  • व्यापारिक भुगतान विवादों में कमी
  • ऋण स्वीकृति एवं सेवा प्रक्रियाओं में तेजी
  • निवेशकों का विश्वास बढ़ेगा
  • डिजिटल बैंकिंग अपनाने में वृद्धि

सामाजिक प्रभाव

  • वरिष्ठ नागरिकों की बेहतर सुरक्षा
  • किसानों एवं MSME के लिए भरोसेमंद बैंकिंग
  • वित्तीय समावेशन को मजबूती
  • उपभोक्ता अधिकारों का संरक्षण
  • बैंकिंग प्रणाली पर सार्वजनिक विश्वास में वृद्धि

लक्ष्य

2030

  • सभी बैंकों में डिजिटल SLA
  • 90% शिकायतें 30 दिनों में निस्तारित

2035

  • AI आधारित बैंकिंग ऑडिट
  • Automatic Compensation System

2040

  • Zero Manual Banking Complaint Framework

2047

  • विश्व की सबसे पारदर्शी एवं उत्तरदायी बैंकिंग प्रणाली

सफलता मापने के संकेतक (KPIs)

  • शिकायत समाधान का औसत समय
  • बैंक त्रुटियों पर स्वतः मुआवजा प्रतिशत
  • ग्राहक संतुष्टि सूचकांक
  • डिजिटल शिकायत निस्तारण दर
  • ATM एवं डिजिटल लेनदेन विवादों में कमी
  • RBI अनुपालन स्कोर

अंतिम परिशिष्ट

2047 तक चरणबद्ध कार्ययोजना

  • 2026–2030: नियामकीय सुधार
  • 2030–2035: AI एवं डिजिटल एकीकरण
  • 2035–2040: ऑटोमेटेड निगरानी
  • 2040–2047: वैश्विक सर्वोत्तम बैंकिंग मॉडल

मंत्रालयवार जिम्मेदारियाँ

  • वित्त मंत्रालय
  • भारतीय रिज़र्व बैंक (RBI)
  • वित्तीय सेवा विभाग (DFS)
  • इलेक्ट्रॉनिक्स एवं सूचना प्रौद्योगिकी मंत्रालय (MeitY)

राज्य सरकारों की भूमिका

  • वित्तीय साक्षरता अभियान
  • जिला स्तरीय बैंकिंग निगरानी

निजी क्षेत्र एवं स्टार्टअप

  • RegTech
  • FinTech
  • AI आधारित शिकायत विश्लेषण
  • साइबर सुरक्षा समाधान

नागरिक सहभागिता मॉडल

  • डिजिटल फीडबैक पोर्टल
  • बैंक सेवा रेटिंग
  • उपभोक्ता जागरूकता अभियान

वित्तपोषण रणनीति

  • केंद्रीय बजट
  • डिजिटल इंडिया मिशन
  • सार्वजनिक-निजी भागीदारी (PPP)

जोखिम एवं शमन

  • साइबर सुरक्षा जोखिम → Zero Trust Architecture
  • डेटा गोपनीयता → मजबूत डेटा सुरक्षा मानक
  • तकनीकी विफलता → Disaster Recovery एवं Backup Systems

Title

भारत विज़न 2047: उत्तरदायी एवं पारदर्शी बैंकिंग प्रणाली मिशन | Banking Reforms India

Description

जानिए भारत विज़न 2047 के अंतर्गत बैंकिंग सुधार, ग्राहक अधिकार, RBI सुधार, डिजिटल बैंकिंग, AI आधारित निगरानी, GDP, FDI, Ease of Doing Business और उपभोक्ता संरक्षण पर विस्तृत नीति विश्लेषण।

FAQ

Q1. क्या बैंक की गलती पर ग्राहक को स्वतः मुआवजा मिलना चाहिए?
यदि नियामकीय ढांचा ऐसा प्रावधान करे, तो इससे जवाबदेही और उपभोक्ता विश्वास दोनों बढ़ सकते हैं।

Q2. क्या RBI बैंकिंग शिकायतों की निगरानी करता है?
हाँ, RBI शिकायत निवारण के लिए व्यवस्थाएँ संचालित करता है और नियामकीय दिशा-निर्देश जारी करता है, हालांकि कई मामलों में बैंक-स्तर पर समाधान प्रक्रिया भी लागू होती है।

Q3. इस नीति का उद्देश्य क्या है?
बैंकिंग सेवाओं में पारदर्शिता, समयबद्ध शिकायत समाधान, ग्राहक अधिकारों की सुरक्षा और डिजिटल विश्वास को मजबूत करना।

संदर्भ

  • विश्व बैंक (World Bank)
  • IMF
  • OECD
  • संयुक्त राष्ट्र (UN)
  • भारतीय रिज़र्व बैंक (RBI)
  • वित्त मंत्रालय, भारत सरकार
  • वित्तीय सेवा विभाग (Department of Financial Services)
  • आर्थिक सर्वेक्षण (Economic Survey)
  • केंद्रीय बजट दस्तावेज़ (Union Budget)

 Keywords

  • उत्तरदायी एवं पारदर्शी बैंकिंग प्रणाली
  • Banking Accountability Policy India
  • Consumer Protection Reform Policy
  • भारत विज़न 2047
  • Vision 2047 Banking Reforms
  • RBI Banking Reforms
  • Banking Sector Reforms India
  • Banking Consumer Rights
  • बैंकिंग सुधार
  • बैंकिंग जवाबदेही
  • उपभोक्ता अधिकार
  • डिजिटल बैंकिंग
  • Banking Transparency
  • Banking Governance
  • Financial Sector Reforms India
  • RBI MPC
  • Reserve Bank of India's (RBI) Monetary Policy Committee (MPC)
  • RBI Guidelines
  • Banking Laws India
  • Consumer Rights in Banking
  • Bank Complaint Rules
  • Banking Ombudsman
  • Digital Banking India
  • Banking Regulation
  • Banking Security
  • Banking Fraud Prevention
  • ATM Rules India
  • Home Loan Rules
  • Banking Services India
  • Public Sector Banks
  • Financial Inclusion India
  • Ease of Doing Business India
  • भारत में बैंकिंग सुधार 2047
  • उत्तरदायी बैंकिंग प्रणाली
  • Banking Accountability Framework India
  • Consumer Protection in Indian Banking
  • RBI Consumer Protection Guidelines
  • Banking Penalty Policy India
  • Banking SLA India
  • Banking Customer Compensation Policy
  • AI Based Banking Monitoring
  • Digital Banking Security India
  • Banking Complaint Resolution System
  • Transparent Banking System India
  • Bank Customer Rights India
  • Banking Reform Vision 2030
  • Banking Reform Vision 2047
  • Financial Transparency
  • Digital India
  • FinTech India
  • AI in Banking
  • Banking Innovation
  • Banking Compliance
  • Banking Audit
  • Banking Risk Management
  • Cyber Security in Banking
  • Regulatory Technology (RegTech)
  • Financial Governance
  • Inclusive Banking
  • Banking Digital Transformation
  • Smart Banking
  • Public Banking Reforms
  • GDP Growth India
  • Banking and GDP
  • FDI in Banking Sector
  • Banking Investment India
  • रोजगार सृजन
  • Economic Growth India
  • Banking Infrastructure
  • Ease of Doing Business
  • Financial Inclusion
  • Sustainable Economic Development


#Vision2047 #BankingReforms #ConsumerProtection #BankingAccountability #DigitalBanking #RBI #FinancialInclusion #EaseOfDoingBusiness #GDPGrowth #FDI #AIinBanking #FinTech #India2047 #TransparentBanking #BankingPolicy #EconomicReforms #NewIndia #ViksitBharat #PolicyReforms #BankingGovernance




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Financial Misconduct & Fraud By SBI.- Grievance for banking sector – Appeal for Penalty on bank for Poor service. All banks SBI ,PNB, Bank of Baroda minimum balance issue STATE BANK OF INDIA  का रोज का रोना scam -स्टेट बैंक की कहानी Financial Inclusion-PNB fraud:India biggest bank scam- - हम अच्छी सेवाओं की पेशकश के लिए banks को सेवा कर GST का भुगतान करते हैं Poor service me पेनल्टी क्लॉज क्यों लापता है

SBI  की नियत साफ नहीं 

देश के बाहर के दुश्मनों से लड़ना जरूरी है पर पहले घर के सपोलों का मरना जरूरी है।

स्टेट बैंक का रोज का रोना scam ही scam। आए दिन minimum balance का रोना लगाकर भारत सरकार की नीतियों को पीछे धकेलता SBI।

पहले नोट बंदी में मिनिमम बैलेंस 5000 कर नोट बंदी में जमा पैसे को गपाने की कोशिश की ओर SBI ने मोदी सरकार की नीतियों को नीचा दिखाने की कोशिश की 

अब अपना अलाप पुनः अलापना शुरू कर दिया।

दान में मिले इतने सारे एकाउंट जनधन एकाउंट, सरकारी नीतियों के तहत मिले एकाउंट, pension.. एकाउंट NPS,

स्टेट बैंक की कहानी :

Big financial scam at SBI backend - Ex gratia interest refund not received by us in our SBI loan account-39138528345 – In the name of technical issue in background SBI misguiding their lakhs of loan customer for refunding Ex gratia interest refund.


If Public is doing any delay or mistakes in payment Bank is imposing heavy penalty, Bank Should have to be penalties 5-10 % of bank Turnover for their mistakes. :


PMOPG/E/2021/0026335, DEABD/E/2021/03012, DEABD/E/2021/05840 Dt 22/01/2021, DEABD/E/2021/17664 Dt 05/03/2021, Complaint Number CS6111269089211

Ref : 202122016001707- RBI
PMOPG/E/2021/0289515 SBI Ex gratia
DEABD/E/2021/28650 – RBI – SBI Exgratia
DEABD/E/2021/28653 SBI Bank PHI 3 Ex Gratia

Complaint Number CS6111269089211-- RBI There is no time commitment date from SBI for refunding Ex Gratia amount Do SBI refund amount after 10 year ..20 years why does SBI mentioning exact date for refunding ex gratia amount . as I said above it is big scam from SBI side they are playing with their lakhs of loan customers. giving the fake information about refunding ex gratia amount. RBI should take action of audit of this kind of banks and take action and impose 5% to 10 % SBI Bank turnover as penalty. SBI enjoying the benefit of system loop hole ..


Why would any customer suffer in ex gratia amount refund? Due to mistake of any bank. Trustability of banking system in India is questionable. Even after repetitive reminder and follow-up still Ex Gratia Interest amount has been not paid even after 5 month (Ex gratia amount was need to be paid on 5th Nov 2020 as per announcement of government of India) This is never ending project no define timeline and date for Ex gratia interest refund. No ground level action even after 7 months. Is bank software and CIBIL records are so uncapable so that they are not able to work on time.


DEABD/E/2021/03012: Customer is advised as per letter attached SBI Bank response is not satisfactory, Response is challengeable… I have enclosed my evidence for not having loan amount 2 cr + Loan as SBI Bank saying, It may be big financial scam at SBI backend that may cause of ex gratia interest refund - In the name of technical issue.

Response from SBI after 2nd complain: This is never ending project no define timeline for Ex gratia interest refund. No ground level action even after 4 month (ex gratia amount was need refund on 5 Nov 2020 as per government guideline)

 SBI collected Rs 300 crore from zero balance accounts in 5 years: IIT-Bombay study https://www.indiatoday.in/business/story/sbi-collected-rs-300-crore-from-zero-balance-accounts-in-5-years-iit-bombay-study-1790029-2021-04-12 

 Government Financial Reforms Budget 2021-22 Treasury Single Account (TSA) System for Autonomous Bodies to be extended for universal application Separate Administrative Structure to streamline the ‘Ease of Doing Business’ for Cooperatives


 




SBI doing exploitation of customer rights in SBI banking sector, Right to Transparency, Fair and Honest Dealing in missing in SBI Loan sector.

We have encountered many incidents in the banking sector where the consumers are misled due to the failure of bank's operational capacities leading to the financial insecurity amongst the innocent customers.

SBI doing fraud with their customer by this kind of financial misconduct. Due to lack of penalty law for banks in our India constitution, SBI banks are doing this kind of fraud with their customers.
SBI bank is less sensitive about customer satisfaction and involve in financial misconduct & fraud with lakhs of customer loan accounts. Requesting government of India to conduct audit of SBI bank accounts.

Requesting PMO office to interfere in this kind of bank activity to stop fraud done by SBI banks and requesting for heavy penalty on SBI bank so that they will not do similar kind of fraud or scam with other customers. Bank should have to be penalties.

यदि जनता की 1 दिन देर से पेमेंट करने पर इंट्रेस्ट के साथ पेनल्टी लगता है तो बैंक की गलती पर पेनल्टी जरूर लगनी चाहिये । SBI न जाने अपने कितने अकाउंट होल्डर के साथ इस बेमानी करता है , अगर इस तरह की बेमानी सारे अकाउंट में है तो ये अमाउंट करोड़ो में होगा क्या ये किसी scam से कम है।

SBI पर पेनल्टी उसके टर्नओवर के 2 % तक लगनी चाहीये.

SBI bank EMI deducted from Source Bank but not reflecting on SBI Loan Account during Covid 19 Period


Property Insurance जमा करने के बाद भी इन्सुरेंस अमाउंट क्यों काट रहे है SBI । इस तरह की financial malpractice क्यों हो रही है SBI में। कृपया देखे।Last टाइम भी EMI deducted पर adjust नही की फिर issue raise करने पर 4 दिन बाद adjust की कस्टमर 4 दिन का interest क्यों बेयर करे sbi की गलतियों के लिए

Reference:
PMOPG/E/2020/0625961 Dt.16.07.2020
PMOPG/E/2020/0501927, 
DEABD/E/2020/28706, 
PMOPG/E/2020/0625961 Dt 02.07.2020, 
DEABD/E/2020/32553

Relief sought for:
a)     Need Interest adjustment for wrongly deducted amount
Penalty on SBI 



स्टेट बैंक की कहानी :

जरूरी नहीं, की 
*पापों के प्रायश्चित के लिए* दान पुण्य ही किया जाए।

*स्टेट बैंक में खाता*
*खुलवा कर भी*
प्रायश्चित किया जा सकता है..

छोटा मोटा पाप हो, तो
*बैलेंस पता करने चले जाएँ।*
चार काउन्टर पर धक्के खाने के बात पता चलता है, कि
*बैलेंस गुप्ता मैडम बताएगी।*

*गुप्ता मैडम का काउन्टर कौनसा है,*
ये पता करने के लिए
*फिर किसी काउन्टर पर जाना पड़ता है।*

*लेवल वन कम्प्लीट हुआ।* यानी गुप्ता मैडम का
*काउन्टर पता चल गया है।* लेकिन अभी थोड़ा वेट करना पड़ेगा, क्योंकि
*मैडम अभी सीट पर नहीं है।*

आधे घंटे बाद चश्मा लगाए,
पल्लू संभालती हुई, 
*युनिनोर की 2G स्पीड से* चलती हुई गुप्ता मैडम
*सीट पर*
*विराजमान हो जाती है।* 
आप मैडम को 
खाता नंबर देकर बैलेंस पूछते है।

मैडम 
*पहले तो*
*आपको इस तरह घूरती है,* 
जैसे 
*आपने उसकी*
*बेटी का हाथ मांग लिया है।* आप भी
*अपना थोबड़ा ऐसे*
*बना लेते है*
*जैसे सुनामी में आपका सबकुछ उजड़ गया है,* 
और आज की तारीख में
*आपसे बड़ा*
*लाचार दुखी कोई नहीं है।*

गुप्ता मैडम को 
*आपके*
*थोबड़े पर तरस आ जाता है,* और 
*बैलेंस बताने जैसा भारी काम करने का मन बना लेती है।* लेकिन
*इतना भारी काम, अकेली अबला कैसे कर सकती है?*
तो मैडम सहायता के लिए आवाज लगाती है~

*"मिश्रा जीsss, ये बैलेंस कैसे पता करते है?"*

मिश्राजी,
*अबला की*
*करुण पुकार सुनकर* 
अपने
*ज्ञान का*
*खजाना खोल देते है।*

पहले तो खाते के अंदर जाकर क्लोजिंग बैलेंस पर क्लिक
करने पर बैलेंस आ जाता था। लेकिन अभी सिस्टम 
चैंज हो गया है। अभी आप
*f5* दबाएँ, 
और इंटर मार दे तो 
बैलेंस दिखा देगा.."

गुप्ता मैडम 
चश्मा ठीक करती है,
*तीन बार मोनिटर की तरफ और तीन बार की-बोर्ड की तरफ* 
नजर मारती है। 
फिर उंगलियाँ की-बोर्ड पर 
*ऐसे फिरातीं है, जैसे कोई तीसरी क्लास का लड़का वर्ल्ड मैप में सबसे छोटा देश मस्कट ढूंढ रहा हो।*

मैडम फिर मिश्रा जी को 
मदद के लिए पुकारती है~
"मिश्रा जी, 
*ये f5 किधर है..??"*

*मैडम की उम्र पचास से ऊपर होने के कारण*.
शायद मिश्रा जी
*पास आकर मदद करने की जहमत नहीं उठाते।* 
इसलिए
*वहीँ बैठे बैठे* 
जोर से बोलते है~

की बोर्ड में 
सबसे ऊपर देखिये मैडम.."

"लेकिन सबसे ऊपर तो 
सिर्फ तीन बत्तियां जल रही है.."

"हां उन बत्तियों के नीचे है। 
लम्बी लाईन है
*f1 से लेकर f12* तक.."

*फायनली,* 
मैडम को f5 मिल जाता है। मैडम झट से बटन दबा देती है। मोनिटर पर आधे घंटे
*जलघड़ी, ( कुछ लोग उसे डमरू समझते है 😊)* 
बनी रहती है।

*अंत में* 
एक मैसेज आता है~
*"Session expired. Please check your connection.."*

*मैडम अपने हथियार डाल देती है।* 
एक नजर, आपके
*गरीबी लाचारी से पुते चेहरे पर* 
डालती है और कहती है~
*"सॉरी, सर्वर में प्रोब्लम है.."*

कहने का टोन 
*ठीक वैसा ही* 
होता है, जैसे
*पुरानी फिल्मो में डॉक्टर ओपरेशन थियेटर से बाहर आ कर* 
कहता था~

*"सॉरी।*!!!!

*हमने बहुत कोशिश की*
*पर ठाकुर साहब को*
*नहीं बचा पाए.."*

😊😊
सभी स्टेट बैंक कर्मियों को सादर समर्पित





रिपोर्ट / 2017-18 में 41167 करोड़ रुपए के बैंक फ्रॉड हुए, एक साल में 72% बढ़ोतरी

  • वित्त वर्ष 2017-18 यानी अप्रैल 2017 से मार्च 2018 तक के आंकड़े
  • मीडिया रिपोर्ट्स के मुताबिक आरबीआई ने ये आंकड़े जारी किए
  • इनमें 50 करोड़ रुपए या इससे ज्यादा की रकम के 80% मामले 
  • साल 2016-17 में कुल 23933 करोड़ रुपए के फ्रॉड के मामले सामने आए थे

एक लाख रु से ज्यादा के फ्रॉड: सरकारी बैंकों के 93% मामले

https://www.bhaskar.com/national/news/frauds-in-indian-banking-system-rose-72-percent-in-fy17-18-01461013.html

PNB fraud:India's biggest bank scam


पंजाब नेशनल बैंक के महाघोटाले का मामला अब सुप्रीम कोर्ट पहुंच गया है. घोटाले से जुड़ी एक याचिका सुप्रीम कोर्ट में दायर की गई है और पीएनबी के वरिष्ठ अधिकारियों के खिलाफ एफआईआर दर्ज कर कार्रवाई की मांग की गई है.
ये याचिका वकील विनीत ढांडा ने दाखिल की है. याचिका में कहा गया है कि इस मामले में पंजाब नेशनल बैंक के वरिष्ठ अधिकारियों के खिलाफ एफआईआर दर्ज कर कारवाई की जाए.
इसके अलावा याचिका में ये मांग भी की गई है कि केंद्र सरकार को निर्देश दिया जाए कि नीरव मोदी का जल्द प्रत्यार्पण किया जाए. साथ ही दस करोड़ रुपये से ऊपर के बैंक लोन के लिए गाइडलाइन बनाई जाएं.
-जो लोग लोन डिफॉल्टर हैं उनकी संपत्ति तुरंत सीज करने जैसै नियम बनाए जाएं.
-एक एक्सपर्ट पैनल का गठन हो जो बैंकों द्वारा 500 करोड़ और उससे ज्यादा के बैड लोन का अध्ययन कर कोर्ट को दे.
याचिका में ये भी कहा गया है कि बड़े लोगों को राजनीतिक लोगों का सरंक्षण प्राप्त होता है इसलिए वो पकड़ में नहीं आते हैं.
https://m.aajtak.in/news/national/story/pnb-scam-nirav-modi-supreme-court-petition-985174-2018-02-19


मोदी सरकार  का नोट बंदी  का निर्णय  अच्छा  था।  पर  नोट बंदी  में जमा हुए इतने सरे पैसे को देखकर बैंको की नियत ख़राब हो गई और वो उसे  गपाने  के नए नए  तरीके खोजने लगे।

SBI  की मिनिमम बैलेंस पालिसी इसका जीता जगता उद्धरण है।

मोदी सरकार  की  नोट  बंदी  को गलत साबित करने में SBI का मेजर हाथ।  SBI के निर्णय विवेक पूर्ण  नहीं ये नोट बंदी में जमा पैसे को गपाने  की नियत  से है।

This type of decision damaging image of current government governance model and transparency.

It shows poor government control over banking sector.

Senior citizen crying in SBI Indore due to minimum balance decision as his monthly pension is Rs 2300


SBI minimum charge it’s become an issue between student and daily wages worker who have bank ac



Bank should have to give penalty if No cash available or down due to poor service in ATM.


SBI collects Rs235 crore in minimum balance fine in 1st quarter


http://www.livemint.com/Industry/d75aXGhVIpgnHtBUqYOwxJ/SBI-collects-Rs235-crore-in-minimum-balance-fine-in-1st-quar.html

SBI collects Rs 235 crore in minimum balance fine in June qtr: RTI

http://www.deccanchronicle.com/business/companies/190817/sbi-collects-rs-235-crore-in-minimum-balance-fine-in-june-qtr-rti.html


SBI Savings Account: Minimum Balance Rules


http://www.ndtv.com/business/sbi-minimum-balance-rules-and-charges-for-non-maintenance-1746555#ampshare=http://www.ndtv.com/business/sbi-minimum-balance-rules-and-charges-for-non-maintenance-1746555

SBI spent Rs 775 crore in maintaining Jan Dhan accounts: Government


http://www.newindianexpress.com/business/2017/mar/28/sbi-spent-rs-775-crore-in-maintaining-jan-dhan-accounts-government-1586921.html


Minimum Balance Penalty to Offset Costs of Jan Dhan Accounts, Says SBI Chief Arundhati Bhattacharya


http://www.news18.com/news/business/minimum-balance-penalty-to-offset-costs-of-jan-dhan-accounts-sbi-chief-arundhati-bhattacharya-1357804.html

बचत खाते में मिनिमम बैलेंस की सीमा बढ़ाएगा SBI, 31 करोड़ लोगों पर पड़ेगा असर


http://navbharattimes.indiatimes.com/business/business-news/sbi-to-increase-limit-of-minimum-balance-for-savings-account/articleshow/57508434.cms



महीने में दो बार sbi ने minimum balance maintenance के नाम पर पैसे काटे , ऐसे लगता है कि बैंकों ने भी उगाही का नया तरीका इजात कर लिया है.



सामान्य विधार्थी और दिहाडी मजदूरो की जेब पे और एक डाका SBI क minimum balance rule सामान्य जन त्रस्त सरकार मस्त

भारतीय स्टेट बैंक ने पिछले 3 महीने में मिनिमम बैलेंस मेंटेन ना करने पर ₹235.06 करोड़ फाइन के रुप में वसूले हैं



https://www.change.org/p/sbi-bank-i-want-sbi-to-return-minimum-balance-charges-which-was-charged-by-poor-people

Don’t pay taxes if government fails to curb corruption: HC

http://timesofindia.indiatimes.com/city/nagpur/Dont-pay-taxes-if-government-fails-to-curb-corruption-HC/articleshow/50826888.cms


सरकार का कंट्रोल और एटीएम में फेक नोटों के जरिया आम जनता को ठगा  जा रहा।  बैंकों में नकेल कब कसेगी सरकार। क्या टेक्निकल असमर्थ है  RBI बैंकों पैर नकेल कसने में।
Looking for support from PMO India to bring Policy framework and rules and regulation in India to stop this kind of malpractice & financial penalty on bank, So that general public should not be harassed, currently there is no rule in RBI / Bank to solve this kind of issue.

Again & again same kind of issue from bank ATM - No government control - 

General public Loosing the trust on Banking ATM system due to fake and damage notes comes from Bank ATM

Case-1: Fake note Issue from bank ATM. Case mention below
Date: 02/09/2014 time 18:41,
Record No 5424,
ATM Information: PIDCMU30,
HDFC Bank, Kalu Sarai Village Office,

Bank ATM: HDFC Bank

HDFC Atm No - P1DCMU30 date 02 sep 2014 time 18:41 Kalu Sarai Village ATM withdrawal of 10000/- (10X1000) one note of 1000/- is face (8AG 943694) and come from atm , not received proper solution to register my issue on customer care only they have hold me for 5-7 minute
Request to PMO India:  If Fake note comes from Bank ATM then bank harassing customer to go to ATM and banks and showing its vendor mistake we have outsource feeding ATM. no Witten rule information with bank and customer care how to handle this kind of cases and after wasting 2 month of customer if bank returning same amount to customer. So it is not fare because this is bank mistake why should customer bear. 100 times of penalty have to be paid by bank for their mistake.

They have not checked CCTV camera at atm m/c as per record and time mention
Date: 02/09/2014 time 18:41,
Record No 5424,
ATM Information: PIDCMU30,
HDFC Bank, Kalu Sarai Village Office,
Bank ATM: HDFC Bank

I have given sufficient supporting doc but bank try to hide the fact in the name of technology but in other word they are supporting black money or fake note. I may be stop but this is question of my country economy.
1000/- fake note exchange later on cash by HDFC Bank. They have taken fake note from me and given me another 1000/- note as exchange in cash after 2 month.
I have 2 concern
1. What action has bank taken to ensure atm feeding mechanism to stop ATM farziwada?
2. 100 times of penalty compensation due to atm farziwada of fake note comes from bank atm it is really serious issue and it is hurting my country economy due to this fake note issue.

Going to court for legal filing may bank fall in heavy penalty. Please correct solution at bank level. I am really not interested to file case in court
Sweet English Reply from HDFC Bank- HDFC Reference- HBL  031-881-043 
We would like to inform you that we are unable to view any credit of Rs 1000/- in your account towards fake note. We would request you to confirm the date when you have received the credit of the said amount.
 We wish to inform that the cash replenished in the ATM's are sorted by machines recommended by RBI. There is a nil possibility of getting the fake/ mutilated/ torn notes passed by those machines.
 Overall Bank is using all possible technologies and procedures to ensure no fake note is dispensed from the ATM by any chance. Hence, Bank regrets its inability to accept your claim.
 
Case-2 Damage note comes from bank ATM M/C
Date: 01/11/2014, Time: 13:48,
 ATM ID CPAW20603,
Record No 2359
Bank ATM : Axis Bank


Request to PMO India:  If damage note comes from bank ATM M/C and bank harassing customer by wasting customer time and exchanging the note, so bank is not giving any favour it is bank fault that they have inter wrong note so that customer get trouble there should be some penalty clause for bank also means bank need to pay 5 to 10 time of amount for their mistake.
Case -3 : Damage note comes from bank ATM M/C
Date 27/08/2015, Time: appx. 21:30,
ATM Location: ADCHINI MARKET,
ATM NO SPCN2264
Bank ATM: Axis Bank
Request to PMO India:  If damage note comes from bank ATM M/C and bank harassing customer by wasting customer time and exchanging the note, so bank is not giving any favour it is bank fault that they have inter wrong note so that customer get trouble there should be some penalty clause for bank also means bank need to pay 5 to 10 time of amount for their mistake. 

Response from Axis Bank

PG Portal Reference:DEABD/E/2015/06883





A sweet english reply- quality of service is not measurable, Missing thing is penalty clause for bank mistake, No surprise audit process , customer satisfaction and surety to zero customer harassment is still missing.





From: nodal.officer@axisbank.com



To: bhatia.kishor27@gmail.com 



Sent: 24-09-2015; 14:33 Dear



Sir, We refer to your CP Gram complaint registration number DEABD/E/2015/06883 expressing your concerns over the dispensation of damaged currency on 2 specific occasions at Axis Bank ATM. As discussed ruing our telephone conversation on September 24, 2015, the management of Cash Loading is currently being done in line with the RBI guidelines. We have however noted your feedback and highlighted the same to our ATM team for them to ensure loading of good quality genuine bank notes. We sincerely apologize for the inconvenience caused to you. For any further clarifications, you may write to us at nodal.officer@axisbank.com. Assuring you of our best services,







Ashok Sunar, Nodal Officer Team Axis Bank NPC 1. 5th Floor Gigaplex Plot No I.T. 5 MIDC Airoli Knowledge Park Airoli Navi Mumbai - 400 708. Ph. (off.) 022-7131 5304 / 5288











Case-4: No home loan repay option online through NEFT on nationalized private banks (AXIS)











Played by Private nationalized Bank (like axis bank) No government control , banks are playing not to provided online home loan repay option and saying pay by cheque and wait for 9 days for amount adjustment against your loan.





Looking for corrective action in customer favour and penalty clause for bank for harassment of customer



 




Reply from Axis Bank Loan unit



A sweet english reply- quality of service is not measurable, they are making rocket science software for repayment of loan online , false promise from last 3 years. no willingness of bank to solve the issue, what is the time commitment (Date of implement) of bank to finish this kind of rocket science software  











nodal.officer@axisbank.com







Oct 5
































Dear Mr. Bhatia,

This is in reference to your email dated September 9, 2015 regarding your loan account.



Thank you for your valuable feedback and would like to inform to you that as a part of digital initiative we are working towards online payment option to all our customers. Very soon this facility will be made available to all customers. 


 Once online payment facility is available, we will inform all our customers separately. 



 




In case if the customer is requesting for online payment,  we offer them the electronic payment option through NEFT. Payment can be done online using following details

 






 




Beneficiary account: Finnone loan account no

IFSC code : UTIB0000245





Please note our turnaround time for part payment is 9 days, however effect of the amount will be given as on value date i.e. on the date when amount was credited to us.







We hope that all your queries are answered. Once again thank you for your valuable feedback and assuring best of our services.







For further assistance, please write to us at loans@axisbank.com



Warm Regards, 



Smruti Kutty,



Nodal Officer Team, Axis Bank LTD. NPC1, 5th Floor "Gigaplex",Plot No .I.T 5,

MIDC .Airoli Knowledge Park, Airoli, Navi Mumbai – 400708

Tel: 022-71315301



 







Case-5 Approval should be on mail or mobile one time password authentication.







This is security requirement and bank should not be charge anything extra as a social responsibility as a government bank. If they also behaving like other private bank (profit center / Business) then for bank also penalty clause should be mention. SMS charges. requested to stopped this facility because banks  (HDFC, SBI charging 15/- + service charge =17 /- per quarter but this does not mean that bank will removed my mobile number  this is against KYC and Banking security Policy.











Case-6 RBI Banking Ombudsman





Error in submitting feedback 

 



 












Case-7: loop pole at SBI banking process.







(    (A) Adding third party name we should not be able visit again and again home branch for approval it should be approved on registered mail on a/c. this is loop pole at SBI process.







     (B)  ATM debit card  but process is too tough in a first visit I have to apply  then need to visit branch for password , do you really thing policies in the name of security  is user friendly and as per market trend this should be  online generated or on mail. Request should be online or on mail or customer care







     (C)  Check book request should be online or on mail or customer care



     (D) Public cannot submit request at any branch in India. 



Case- 1: I have asked for net banking, so they have given only view only what is it mean ..next time after six month during my home town visit again i requested for third party transaction  then they have given , today I want to add benefice again i need to visit home SBI Branch  that is not user friendly







Case-2: Mobile SMS Charges: I have requested to stopped this because mobile SMS Charges bank are charging 17 /- per quarter but it does not means to removed Mobile number  linking from  bank a/c.



SBI -failing in online connectivity - and KYC nomes as per RBI. 











Case-3: I have also requested 2 time in written application in bank  to update my e- mail ID  but still it is not updated otherwise it is really helpful  during the add benefice  to check and full fill security related requirement.







I have my personal feeling SBI bank is fail in security related requirement feature. as concern as security related feature it is banking requirement  so no charges has to be deducted for e-mail alert or mobile SMS alert. This should be as per RBI security requirement. SBI only difficult the process but really not working in public benefit. SBi also behaving like other private banks for their own benefit only. But i feel banking should have some social responsibility they should not establish charges for everything. 







Case-4: Debit card was damage so I have requested to close on 4th Feb2014 but still bank has charge 112/- on 10 Feb 2014 how this kind of mistakes done buy banking. There should be penalty clause on bank also. 











Regularising terms and condition in banking sector 



Banking sector should have service oriented mind set. When they are playing as business point and implementing unwanted charges to increase profit then penalty clause should be there



Frame work required in banking terms regulatory compliance



1.            Net Banking



2.            Mobile SMS Charges



3.            KYC norms as per RBI. 



4.            Mobile number linking from bank a/c.



5.            Email linking from bank a/c.



6.            SLA – Service level agreement for each process Time bonded activity



7.            No additional Charges for SMS , ATM,



8.            Penalty clause for bank also if they are deducting any unwanted charges and not reacting on time.









+RSS-Rashtriya Swayamsevak Sangh +PMO India +Narendra Modi 







 




RTI Filed By Consumer





















HDFC bank online Issue:



we are really not expecting this kind of thing from blue chip company









Case-7: TAX SAVING FD Maturity amount not transfer into account







Customer ID is clearly mention on FD , Interest is transferred every quarter but not the maturity amount



FD Deposite Account Number: 03435770000014



TAX SAVING FD Amount: 50000.00



 



Maturity date: 10 Feb 2015


 Hdfc Reference Number : 028-398-574. -e-mail dated February 12, 2015







losing trust on bank due lots of issue in blue chip company like HDFC







online unethical practice- Tax saving FD linked with  salary account  automatically gone , every quarter receiving interest but  maturity amount not transfer , local HDFC bank only giving wrong round- round answer,





customer care only holding the line and after  10 to 15 minute cut the phone...



branch managers mail not mention,



online connectivity is not safe due to unethical practice by banks,



no bank wish to take the responsibility







Really quality of service is going down every day in HDFC bank







Dummy account created for each new FD and it is linked with common customer ID - if this kind of unethical practices happened then 10 time of payment penalty clause have to be implement and  bank has to be paid amount to customer for their mistake also need to be define by RBI India. banking liability should be define so that general public will not be harassed. 


 grievance.redressal@hdfcbank.com.


 Currently case has solved bul has to put lots of efforts and follow up

Solution find from HDFC member: 







As per  telephonic conversation regarding  my HDFC complain Ref No 028-398-574







I had requested for transfer my FD Maturity amount to my a/c and customer id mention on FD through NEFT But really has to put lots of efforts to get my own money





Government Initiative: 









http://pib.nic.in/newsite/erelease.aspx24/12/2014Prime Minister to Interact with Bankers during Bankers Retreat,Two Day Bankers’ Retreat called ‘Gyan Sangam’ to be held in Pune on 2nd and 3rd January, 2015 to Prepare a Blue Print of Reform Action Plan for Banking Sector 











The objectives of this retreat are as follows:-










    

  1.  To create a platform for formal and informal discussions around the issues which are important for banking sector reforms.
    2. 

  2.  To achieve a broad consensus on what has gone wrong and what should be done both by banks as well as by the Government to improve and consolidate the position of PSBs.
    3. 

  3.  To get some out of box ideas from prominent experts in the field as also from the top level managers attending the retreat.
    4. 

  4. The final objective would be to prepare a blue print of reform action plan once adopted which could then be implemented by the banks as well as by the Government.
    5. 








 Structure of the Retreat:-



 Formal start of Retreat 



 Session by prominent experts in the field.



Group discussions in six Groups.



Session on sharing / demonstration of best practices and technology.







                     Group presentations and Draft Action Plan.







4.         Topics for Group discussion:-



 Consolidation and re-structuring of PSBs for better efficiency and capitalisation needs.



Effective Risk Profiling and Recovery Mechanisms.



Human Resources related issues with special focus on training and motivation of staff.



Global practices and use of technology in banking operations.



Financial Inclusion / Financial Literacy and Direct Benefit Transfer.





Priority Sector Lending and Interest Subvention Schemes.




 
 Service oriented mindset  Business positive Indian attitude will bring Development in India   




 





Some positive initiative :


















 




 
 
 
 
 
 
 
 
 
 
 
 
 
   

























After Minimum Balance, SBI Cuts Account Closure Charges



http://profit.ndtv.com/news/banking-finance/article-sbi-account-closure-charges-here-are-the-changes-you-need-to-know-1757482 















Financial Inclusion




    

  1. Ensure universal access to bank accounts, insurance & pension
    2. 

  2. Integrate an Arthik Shiksha Abhiyan in the regular school curriculum.
    3. 

  3. Use technology to improve assessment of credit-worthiness of small borrowers & households etc.
    4. 

  4. Facilitate growth of online digital & paperless banking.
    5. 




















Banking sector – Appeal for Penalty on bank for Poor service. हम अच्छी सेवाओं की पेशकश के लिए banks को सेवा कर GST भुगतान करते हैं तो Poor service me पेनल्टी क्लॉज क्यों लापता है















Bank should need a slap hard for breaking personal privacy and data act.







The standard Chatted bank case







Sharing and giving credit card and pin to third party.



HDFC Bank Case







Fake note comes from ATM refer below blog for detail







SBI Case







Loss of Rs 25,000 – Must read for every husband-wife who have SBI debit card



It has been stressed a lot many times by the State Bank of India (SBI), that sharing your ATM Card is non-transferable. The rule from SBI mentions that no one other than the account holder should use it. However, a woman from Bangalore who was on her maternity leave learnt the SBI's rule the hard way. 



By: FE Online



June 7, 2018 10:26 PM 















The rule from SBI mentions that no one other than the account holder should use it. However, a woman from Bangalore who was on her maternity leave learnt the SBI’s rule the hard way.











It has been stressed a lot many times by the State Bank of India (SBI), that sharing your ATM Card is non-transferable. In fact, the rule from SBI mentions that no one other than the account holder should use it. However, a woman from Bangalore who was on her maternity leave learnt the SBI’s rule the hard way. As reported by The Times of India, the incident dates back to November 14, 2013, when Vandana, who was pregnant at that time gave her debit card to her husband, Rajesh Kumar to withdraw a sum of Rs 25,000 from an SBI ATM nearby. To withdraw the money, Vandana provided the ATM PIN to her husband. But the series of events took a different when the ATM machine showed a slip where it mentioned that the money was debited, however, the sum of money was never released from the ATM!











When the ATM failed to dispatch the money, husband Rajesh gave a call to the bank and mentioned the happening. However, the bank responds that the ATM machine was at fault and the money would be reverted to the account within 24 hours, reports Times of India. However, even after days the money never made back to the account. Rajesh made a visit to the SBI’s Helicopter Division branch at HAL and lodged a formal complaint. However, this is where the story took a mew turn as SBI allegedly shut down the case in a matter of few days. The bank stated that the transaction was correct and the customer received the sum of money.











The couple managed to get the CCTV footage of the date when Rajesh went to take out the money from the ATM. The footage allegedly shows Rajesh at the ATM and that no money was dispatched from the machine. The couple again lodged a complaint with the bank. This time, an investigation committee was formed at the bank which ruled that account and cardholder Vandana was not seen in the footage. SBI recalled their ‘non-transferable’ rule and claimed that the account holder was not the ATM user, and thus it holds the right to turn down the money claims made by the couple.













In the meantime, Vandana got her hands on the cash verification report of that particular ATM for the date November 16, 2013, through an RTI. The cash verification report from that ATM mentions an excess cash of Rs 25,000 in the machine. Following this, the cash verification report was submitted to the court. However, SBI counsel produced another report which fails to show any excess cash. Before heading towards the consumer forum, Vandana and Rajesh made a final plea to the bank, who stated, ‘PIN shared, case closed.’



Being unsatisfied with the ruling, about a year later, on October 21, 2014, Vandana went to the Bangalore IVth Additional District Consumer Disputes Redressal Forum. Here she alleged that the State Bank had failed to make the refund of Rs 25,000 which she had lost in the ATM transaction. Vandana made claims that she had just had her baby and could not move out. Thus she gave the ATM card to her husband along with the PIN to withdraw the money on her behalf reports Times of India.



The case continued for the next three-and-a-half years. Vandana and Rajesh were still short of Rs 25,000 and stood their grounds that SBI should refund their money which could not be recovered due to an ATM flaw. However, SBI continued to maintain their stance and cited their rule that sharing ATM PIN with someone else was a violation.



SBI produced documents, which included log records. These records showed that the ATM transaction was successful and was technically correct. However, the final verdict came from the court on May 29, 2018. The Times of India report states that the court ruled against that Vandana and Rajesh. The court mentions that instead of sharing the PIN and making him withdraw the money, Vandana should have given a self-cheque, if not an authorisation letter to her husband to withdraw the sum of Rs 25,000



The court finally dismissed the case.



























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