343. GSI 2026_Unique Bank account Number - Banking Reforms -Aadhaar Number = Bank account Number , Unique Bank account Number all over India and Bank account Portability- Consolidation of Public Sector Banks To Have Strong Banks, Growth Sector India 2026

Unique Bank account Number all over India and Bank account Portability

Aadhaar Number = Bank account Number 

Say No to Black Money 

     =    

Concept: Great revolution in banking reform

Bank account is Basic Right of Indian  Citizen and No charges should apply on basic need.

Observation/challenges: 

1. Unwanted charges applied by bank in the name of minimum balance 

2. Unwanted charges by bank in the name of  forced SMS service

3. ATM yearly charges

4.  Hidden money / Black Money / Number of account hold by people

Benefit of Unique / Single account Number. 

1. Single Account will bring lots of transparency in system, no black money as single account number link with bank number.  

2. Uniformity in banking sector , 

3. Make more accountable banking system,

4. Bring Service oriented mind set in banking segment.

5. Bring lots of transparency in banking system,

6. Competitive environment  make banking segment stronger

7. Indirect increase the liquidity in the market due to this movement, 

8.More job , more industries , indirectly growth of whole country economy. 

9. Great Government Control 

10. Simplify Tax System as Single bank = Single citizen= aadhaar Number= Single TAX Number

Government can give special tax benefit to support India's first theme and support for simplify tax system . 

Improving performance of Public Sector Banks

The information provided below highlights the performance of Public Sector Banks vis-à-vis Old Private Sector Banks and New Private Sector Banks. It can be observed that there is a huge scope for improvement of Public Sector Banks in all parameters, especially efficiency parameters.

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.

9.  We have a feeling after demonization people has deposited money in account now bank has increased minimum balance charges  from 1000 to 5000 with wrong intention to increase profitability of bank . it is malpractice with general and innocent public .

10 Minimum balance maintaining charges

11. Account closer charge as we do not like quality of service 

Looking for intervention from President Secretariat /PMO India Office / Ministry of Finance Office / RBI 

Transparency is Key for good growing business.

Looking for Corrective action from government on SBI or other Private bank(like HDFC, ICICI axis bank etc) Policies amendment that 

1.               Public can submit request at any branch in India. 

2.               Approval should be on mail or mobile one time password authentication. This is security requirement and bank should not be charge any thing 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.

3.               For 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.

4.                I know I required ATM debit card  but process is too tough in a fist 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

5.                Check book request should be online or on mail or customer care

6.                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.

7.               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 favor it is bank fault that they have inter wrong note so that customer get trouble their should be some penalty clause for bank also means bank need to pay 5 to 10 time of amount for their mistake.

8.               Fake note Issue from bank ATM . If Fake note comes from Bank ATM  then bank harassing customer to go to ATM and banks and showing its vendor mistake we have out source 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.

 RTI Filed By Consumer

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 closed 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. 

Previous Reference : 

PMOPG/E/2015/0155079
PMOPG/E/2015/0078706
DEABD/E/2015/06883

                                                                                                                   

Government initiative :

Finance Minister Shri Arun Jaitley: Experts’ Group Would Be Set-Up Immediately to Look Into All Issues Related to Consolidation of Public Sector Banks To Have Strong Banks

REf: PIB 5 March 2016

http://pib.nic.in/newsite/erelease.aspx

117. Property Rent Concept- Aadhar Enable Integrated Rent Agreement/Police verification Concept Process

भारत विज़न 2047 – 100 राष्ट्रीय नीति सुधार
आधार-सक्षम एकीकृत किरायानामा एवं पुलिस सत्यापन मिशन (Aadhaar Enabled Integrated Rent Agreement & Police Verification Mission)

 

 
टैगलाइन

"पारदर्शी किराया व्यवस्था – डिजिटल भारत – ब्लैक मनी मुक्त भारत"
कार्यकारी सारांश

भारत में लाखों मकान, फ्लैट, दुकानें, कार्यालय, गोदाम और अन्य व्यावसायिक परिसंपत्तियाँ किराये पर दी जाती हैं। फिर भी किराये का बड़ा भाग अभी भी असंगठित है। कई मामलों में लिखित अनुबंध नहीं होते, पुलिस सत्यापन अधूरा रहता है, आयकर में किराया आय घोषित नहीं की जाती तथा अलग-अलग राज्यों में प्रक्रियाएँ भिन्न हैं।

प्रस्तावित नीति का उद्देश्य PAN, Aadhaar (जहाँ कानूनन अनुमत हो), संपत्ति पहचान, डिजिटल किरायानामा, e-Stamp, e-Sign, DigiLocker तथा राज्य पुलिस प्रणालियों के सुरक्षित और वैधानिक एकीकरण के माध्यम से एक पारदर्शी, समयबद्ध और नागरिक-अनुकूल राष्ट्रीय डिजिटल किराया व्यवस्था विकसित करना है।

 

वर्तमान स्थिति

 
भारत का शहरी किराया बाजार तेजी से बढ़ रहा है।
विभिन्न राज्यों में किरायानामा पंजीकरण की प्रक्रिया अलग-अलग है।
पुलिस सत्यापन की प्रक्रिया समान नहीं है।
किराया आय का अनुपालन (Tax Compliance) हर जगह एक जैसा नहीं है।
कई लेन-देन नकद आधारित होने के कारण पारदर्शिता सीमित रहती है।
ब्रोकर आधारित व्यवस्था के कारण अतिरिक्त लागत और विवाद उत्पन्न होते हैं।

 

प्रमुख चुनौतियाँ

 
किराया आय का कम या गलत प्रकटीकरण।
नकद भुगतान से कर अनुपालन में कठिनाई।
पुलिस सत्यापन में देरी।
राज्यों के अलग-अलग नियम।
किरायेदार और मकान मालिक के बीच विवाद।
दस्तावेजों का डिजिटलीकरण सीमित।
किराये के बाजार पर समेकित राष्ट्रीय डेटा का अभाव।

 

अंतरराष्ट्रीय सर्वोत्तम उदाहरण (Benchmarking)

 
एस्टोनिया
पूर्ण डिजिटल नागरिक सेवाएँ
डिजिटल हस्ताक्षर
ऑनलाइन अनुबंध

 
सिंगापुर
डिजिटल पहचान आधारित सरकारी सेवाएँ
उच्च स्तर की डिजिटल सत्यापन प्रणाली

 
संयुक्त अरब अमीरात
डिजिटल किराया पंजीकरण
नगर निकाय एवं सरकारी सेवाओं से एकीकरण

 
यूनाइटेड किंगडम
पहचान सत्यापन
मकान मालिक एवं किरायेदार अधिकारों का स्पष्ट ढाँचा

 

भारत के लिए प्रस्तावित नीति सुधार
National Digital Rental Governance Portal

एक राष्ट्रीय डिजिटल पोर्टल विकसित किया जाए जिसमें निम्न सुविधाएँ हों—
e-Rent Agreement
e-Stamp
e-Sign
DigiLocker Integration
Property ID Mapping
PAN Validation
समयबद्ध पुलिस सत्यापन
ऑनलाइन स्टेटस ट्रैकिंग
डिजिटल भुगतान रिकॉर्ड
AI आधारित जोखिम विश्लेषण
शिकायत निवारण प्रणाली
प्रस्तावित डिजिटल कार्यप्रवाह
मकान मालिक लॉगिन
PAN सत्यापन
संपत्ति विवरण
किरायेदार पहचान सत्यापन
दो गवाह
e-Stamp
e-Sign
पुलिस सत्यापन अनुरोध
डिजिटल अनुमोदन
डिजिटल प्रमाणपत्र जारी
सुरक्षित अभिलेखन
कानूनी एवं गोपनीयता सिद्धांत

यह प्रणाली निम्न सिद्धांतों का पालन करे—

 
डिजिटल पर्सनल डेटा प्रोटेक्शन अधिनियम, 2023
UIDAI के लागू नियम
आयकर अधिनियम
सूचना प्रौद्योगिकी अधिनियम
केवल वैधानिक उद्देश्य के लिए डेटा का उपयोग
न्यूनतम आवश्यक डेटा संग्रह
उपयोगकर्ता की सहमति
मजबूत साइबर सुरक्षा
सरकार की वर्तमान पहलें

यह मिशन निम्न पहलों के साथ एकीकृत किया जा सकता है—
Digital India
India Stack
Aadhaar
DigiLocker
e-Sign
Digital Land Records Modernization Programme (DILRMP)
SVAMITVA
Model Tenancy Act, 2021
National Single Window System
संभावित आर्थिक प्रभाव (Indicative)

यदि अधिकांश शहरी किराया लेन-देन औपचारिक डिजिटल ढाँचे में आ जाएँ, तो दीर्घकाल में संभावित लाभ हो सकते हैं—

संकेतक संभावित प्रभाव
कर अनुपालन उल्लेखनीय सुधार
डिजिटल अर्थव्यवस्था तेज विस्तार
रियल एस्टेट पारदर्शिता उच्च स्तर
किराया विवाद कमी
Ease of Doing Business सुधार
निवेशकों का विश्वास वृद्धि

संभावित FDI अवसर

पारदर्शी किराया व्यवस्था से निम्न क्षेत्रों में निवेश आकर्षित हो सकता है—
PropTech
Smart Cities
Digital Identity Solutions
Real Estate Technology
AI आधारित दस्तावेज़ सत्यापन
GovTech प्लेटफ़ॉर्म

 

संभावित रोजगार

प्रत्यक्ष एवं अप्रत्यक्ष अवसर—
PropTech Startups
LegalTech
Cyber Security
AI एवं Data Analytics
Cloud Infrastructure
Digital Verification Services
सामाजिक प्रभाव
किरायेदारों की सुरक्षा
महिलाओं एवं वरिष्ठ नागरिकों के लिए सुरक्षित किराया व्यवस्था
अपराध नियंत्रण में सहायता
नकद लेन-देन में कमी
सरकारी सेवाओं में पारदर्शिता
नागरिकों का विश्वास बढ़ना
Vision 2030
सभी महानगरों में डिजिटल किरायानामा
100% ऑनलाइन पुलिस सत्यापन
डिजिटल भुगतान को प्रोत्साहन
Vision 2035
सभी राज्यों में एकीकृत प्लेटफ़ॉर्म
राष्ट्रीय किराया डेटा डैशबोर्ड
Vision 2040
AI आधारित जोखिम विश्लेषण
पूर्ण डिजिटल किराया प्रशासन
Vision 2047
विश्व स्तरीय पारदर्शी डिजिटल रेंटल इकोसिस्टम
संगठित एवं भरोसेमंद किराया बाज़ार
डिजिटल गवर्नेंस में वैश्विक नेतृत्व
सफलता मापने के संकेतक (KPIs)
डिजिटल किरायानामों की संख्या
ऑनलाइन पुलिस सत्यापन का प्रतिशत
औसत सत्यापन समय
डिजिटल भुगतान का अनुपात
कर अनुपालन में वृद्धि
किराया विवादों में कमी
नागरिक संतुष्टि स्कोर
चरणबद्ध कार्ययोजना

2027–2030: नीति, पोर्टल और पायलट प्रोजेक्ट

2030–2035: सभी राज्यों में विस्तार

2035–2040: AI एवं डेटा एनालिटिक्स एकीकरण

2040–2047: पूर्ण राष्ट्रीय डिजिटल रेंटल इकोसिस्टम

 
मंत्रालयवार जिम्मेदारियाँ

 
वित्त मंत्रालय
गृह मंत्रालय
इलेक्ट्रॉनिक्स एवं सूचना प्रौद्योगिकी मंत्रालय (MeitY)
आवासन एवं शहरी कार्य मंत्रालय
UIDAI
CBDT
राज्य पुलिस
राज्य पंजीकरण विभाग
नगर निकाय
नागरिक सहभागिता
ऑनलाइन जागरूकता अभियान
डिजिटल हेल्पडेस्क
मोबाइल ऐप
बहुभाषी सहायता
शिकायत समाधान प्रणाली

 
इन्फोग्राफिक्स
भारत का डिजिटल रेंटल इकोसिस्टम
Aadhaar + PAN + Property ID + DigiLocker एकीकरण
डिजिटल किरायानामा कार्यप्रवाह
पुलिस सत्यापन की समयबद्ध प्रक्रिया
Vision 2030 → 2035 → 2040 → 2047 रोडमैप
ब्लैक मनी में कमी का संभावित प्रभाव
किराया अर्थव्यवस्था का औपचारिककरण
PropTech एवं GovTech निवेश अवसर
नागरिक, सरकार और व्यवसाय को होने वाले लाभ
मंत्रालयवार जिम्मेदारियों का फ्लोचार्ट

 
 Title

भारत विज़न 2047: आधार-सक्षम डिजिटल किरायानामा एवं पुलिस सत्यापन मिशन | ब्लैक मनी मुक्त किराया व्यवस्था

 
Description

जानिए कैसे आधार-सक्षम डिजिटल किरायानामा, ऑनलाइन पुलिस सत्यापन, PAN आधारित अनुपालन, डिजिटल भूमि रिकॉर्ड और पारदर्शी किराया व्यवस्था भारत में ब्लैक मनी कम करने, Ease of Doing Business सुधारने और विकसित भारत 2047 के लक्ष्य को गति दे सकती है।

महत्वपूर्ण कानूनी टिप्पणी: 

इस नीति में आधार का उपयोग केवल उन परिस्थितियों में प्रस्तावित है जहाँ लागू भारतीय कानून, न्यायालयों के निर्देश और डेटा संरक्षण नियम इसकी अनुमति देते हों। किसी भी डिजिटल प्रणाली में गोपनीयता, सहमति, साइबर सुरक्षा और वैधानिक प्रावधानों का पूर्ण पालन आवश्यक होगा।






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India First

 

Regularizing House / commercial property Rent Concept framework in India to reduced black money-
Potential of Development-India

Aadhar Enable Integrated Rent Agreement/Police verification Concept Process
Inputs for Centralized software – UIDAI / Aadhar/Income tax dept./ Ministry of finance/
Department of revenue


Say No to Black Money






Previous Reference
PMOPG/E/2017/0365989- Rent concept- Aadhar
CBDT- Central Board of direct Taxes (Income Tax)
The issue raised in your grievance pertains to Policy matter. Your grievance is being forwarded to JS, TPL-I, RNO: 148-A, Ministry of Finance, Dept of Revenue, North Block, New Delhi -110001, Tel: 011-23092988, for further necessary action.




Key Points/ Observation



People give house and shops for rent are not showing their income to to save the income tax and whole money goes in to black money a/c. if person ask of PAN CARD they ask for extra money .
People are not showing their rented income to save the income tax and whole money goes in to black money a/c.
It is observe that if people asking for PAN card detail for rent more that 1 lack 80 thousand then normally owner demanding extra amount of 10 %
Dalal are increasing cost of living – Public are looking for dalal free system
Police verification should be ticket base system and should be user friendly, Normal public should not be harassed by any verification process.
Rent and other charges structured are not fixed like actual rent , maintenance, water charges, light charges, security guard, any colony charges, cleaning light bill



Revenue to Government of India






Fees to Hosting Body:
· Maximum Rs1/- charges for Aadhar enable service from this software each transaction.
Benefit to Public & Government of India
· Estimated earning for Hosting government body like income tax / UIDAI. for this service, Approximate 1000+ cr. in Year and approximate 5000 + cr. income from extra tax collected from undeclare income by House/ Shop/ commercial complex owner.
· Government Income Increase
· Collected Income can be used for development of particular area roads / light / water /hospital/ employment /education government school development etc
· Black money Involvement will reduced
· Tractability will in increase

· Public will get corruption free/dalal free environment



Suggestion inputs for Centralized software – UIDAI / Aadhar/Income tax dept./ Ministry of finance/ Department of revenue




This system will enable finding undeclare income by people who are earning from rented and leasing property.



Linking rented property income to PAN + Aadhar + Form 26AS.


















Rent agreement Must contain

1. Witness
2. First party
3. Second party Aadhar biometrics e-validation








PAN card mention should be compulsory irrespective of rent. Even though it is 100 Rs only.
PAN CARD number must have to be mention by property owner to give property on rent irrespective of rent amount. Failure to this function Owner may lose their property if third party creating an issue.
online government portal required for approval of police verification, rent agreement , secure portal should require login ID & password for taking approval.....this is really good idea to track income from rent. also I would like to say PAN CARD , Passport should be use for User ID in this portal
If Framework rules are fixed for rented property black money involvement will be reduce.
PAN CARD number must have to be mention by property owner to give property on rent irrespective of rent amount. Failure to this function Owner may lose their property if third party creating an issue.
People need to e register on government sites for Police verification, there should be attachment option online for document attachment like scan copy of rent agreement should be submitted on submitted by Property owner (Say for example Income tax site).
To avoid corruption in this process this process should be time bonded law ( say for example 3 working days) if verification process say fail then complete detail should be filled by inquired person with his employment detail , consecutive fail 3- 5 case in month may cause need to investigate about inquired by person
Mentioning Aaddar Card Number/ voter ID/ Passport Number/ Licence on rent agreement for better tractability




Pre-requisites
1. Aadhar and Pan Card Number of Landlord, tenant and two witnesses.
2. Biometric thumb scanner
3. Windows 7 or above laptop.


Enter Information on Parties like, Land load, Tenant and Identifiers.


Important information for agreement,
1. Agreement period.
2. Duration
3. Rent - One can have varying rent is tenure is more than 11 months
i. Tenure can be up to 60 months
ii. Usually 5-10% is increased in rent after each year.
1. Notice Period - This is period either of the party give to other party while vacating the premises. If Tenant give notice, then he must vacate in that period or vice versa. If notice period is not served even them the rent of that period has to be paid.
2. LockIn period - This period is locked period one can nt give notice for vacating the premises in this period.
3. Maintenance Clause - This clause will decide who will pay the maintenance




Removing Broker Dalal / only Government Driven Portal Needed



But these references are like again broker / Dalal system by private parties. Government driven portal is needed.


Benefit
This system will enable undeclare income by people who are earning from rented and leasing property.
Government Income Increase
Collected Income can be used for development of particular area roads / light / water /hospital/ employment /education government school development etc
Black money Involvement will reduced
Tractability will in increase
Public will get corruption free/dalal free environment.
Transparency in system will increase

Government Initiatives
Model Tenancy Bill
https://economictimes.indiatimes.com/wealth/real-estate/model-tenancy-bill-how-it-benefits-tenants-and-home-owners/articleshow/70407797.cms?from=mdr

Black money - No trackability of Gold sale- purchase up to 2 lakhs is questionable -क्या सरकार blackmoney के साथ है।

No trackability of Gold sale- purchase up to 2 lakhs is questionable

क्या सरकार  blackmoney  के साथ  है। #blackmoney #moneylaundering  #corruption

Transparency is the key for good economic growth- No trackability of Gold sale/ purchase up to 2 lakhs is questionable,

Aadhar linking , PAN linking , trace linking is needed for purchase above 20000/- to stop corruption in India 

Observation / Challenges:

1. corruption

2. Black Money, Hawala, Corruption in Government offices/ terror financing

3. Lack of transparency

4. Government willingness to brings India at Top.


गलती वही करता हे जो कुछ काम करता है कमिया सामने आ रही है , मतलब कुछ काम हो रहा है।

Taking the tax or not taking the tax is decision of Government of India. I respect Modi government that they are sensitive towards public and doing amendment in policies which is directly impacting business and country economy growth condition.

But I object that government is not tracing the gold purchase up to 2 lakhs no pan card needed.

It promoting hawala, terror financing, money received from corruption, also people have black money to convert in to gold. it is hampering the Indian economy. Government may announce that no tax will be taken from individual if they buy gold up to 2 lakhs in a year, but Pan linking is needed to trace the source of black money. May be no GST up to 2 lakhs of gold sale to individual, but it should be reflecting in TRACE 

I would like to say this traceability limit need to be reduce up to 20,000/- and trace should be track and reflect in to TRACE account purchase of House, BIKE, CAR, GOLD, TV… and Government may have proposed GST refund if this is First Home Loan/ First House/First car (1 CAR) / Bike / TV per family to boost Business and Indian Economy. Fast track GST refund process for individual buyers so that he / she will not buy item without taking bill.

Aadhaar card, PAN card no longer needed for jewellery purchase above Rs 50,000, GST Council decides

http://www.financialexpress.com/money/aadhaar-card-pan-card-jewellery-purchase-above-rs-50000-not-required-gst-council-meet/885250/

October 6 ,2017

Keep PAN, Aadhaar handy for bullion & jewellery purchases above Rs 50K post Budget 2017 
Jan 31, 2017

https://economictimes.indiatimes.com/news/economy/policy/budget-2017-keep-pan-aadhaar-handy-for-bullion-jewellery-purchases-above-rs-50k/articleshow/56880765.cms

New money laundering norms stump jewellery sector

http://www.business-standard.com/article/markets/money-laundering-norms-stump-jewellery-sector-117082900016_1.html

As concern as easy business way

No tax needed, need to be announce in tax system but traceability needed to stop corruption hawala and terror financing. 

 

How can the gold industry become more transparent and sustainable?

Why is the jewellery industry so far behind other sectors in terms of sustainability?

What will drive business to be more transparent about their supply chains?

How can we learn from reform in other sectors such as food?

What will change consumer behaviour and drive awareness around the social and environmental issues associated with metals such as gold?

Could ethical labelling make a difference?