Poll registration

Poll registration
The state EC will launch the registration of voters from May 29.

People can call 1950/1800221950 to know if their names figure on the voters’ list.

To send a text message, type EPICID space the 10-digit voter id number and sms to 9869889966

You may / must utilize the services offered Department of Administrative Reforms & Public Grievances

Brought to you by Department of Administrative Reforms & Public Grievances



Courtesy :
J.B.Patel (Jeby)
RTI & Housing Societies’ Activist


Roll of sticky tape in McDonald’s salad wrap

40-year-old graphic designer Deepali Sathe bought a takeway salad wrap at McDonald’s, Ghansoli, and found the tape inside; manager told her to come all the way from Goregaon to exchange it


“As I was eating the wrap, I felt that I couldn’t take a bite. I checked to see what was wrong and found a complete roll of tape in the wrap. Thankfully, none of the seven kids ate it. My husband contacted their call centre and took the outlet’s number.” 

Click Here to read more

How to get refund from Indian Railways?

You can easily get refund of a train ticket bought through the Railways passenger reservation system or PRS, either online or through a  ticketwindow. There may be some delay in refund for tickets bought from private re-sellers

If there is one technology based product in India, which showcases domestic Indian skillsets as well as has a history of being able to very deftly and adroitly avoid falling into the trap of lop-sided foreign solutions, then it has to be the Indian Railway’s Passenger Reservation System, or PRS for short. Handling between 1.5 to 2.25 million separate transactions per day, each transaction being for anything from one to six passengers, covering over 2,500 trains with over 50 different classes of travel and no count on quotas, concessions and more – the PRS has set a benchmark all over the world, which some of us who have worked on databases as well as other technologies can only begin to understand.

But surely do we appreciate and feel proud of as Indians. Just imagine the complexities? I wish Unique Identification Authority of India (UIDAI) and Aadhaar had been handed over to Indian Railways, it would not have been the mess it is now, and the information would have stayed on in India.

That it gets stick from a variety of segments, from passengers to competitors to simply jealous entities, is par for the course when something is Indian and successful. Especially from Indians, and very especially from ex-pat Indian origin types, sadly, but true. Very bluntly, I do wish the Indian Railways would take time out to propagate this one aspect of technology, if for not only blowing their own bugle, but then also to be able to build some self-confidence in millions of other Indians who are daily subjected to all sorts of perception management tricks on forcing Indians to believe that they can not compete with the world.

Having said that, there are multiple problems faced by people using the PRS, not all of which are the fault of the service provider Indian Railways. Fact remains, things have only become better, and given the pace of lack of change mostly elsewhere, this is like being able to send a manned space mission to Mars from India.

Which does not in any way reduce the reality that yes, many people appear to and do have problems when seeking refunds, though here again, Indian railways score better than most other cash-handling utilities and services in India. Try getting a refund from an airline, for example? Also, for the 700-1000 million transactions per annum, refunds are a very small number.

Still, you bought a ticket, and now want a refund?

Obviously, when the numbers are so vast, this is not going to happen without checks and balances. We are assuming here that you want a refund in most cases for cancellations done well before departure time, at least four-six hours. What happens, then, when you need a refund for a railway ticket bought using the PRS?

1) Ticket bought for cash over the counter – refund is as fast as the queue will permit, subject to the complex rules regarding cancellation of refunds. It is good to learn about the rules before heading for a refund. They can be found written on the wall, in time-tables, and online.

2) Ticket bought online from IRCTC – My experience has been that for dozens of bookings a year, and about half of them resulting in cancellations, I have not had a single bad experience. Few times that there was some confusion, due to missing a train or other issues, there was nothing that a couple of emails did not resolve. Every paisa paid online is refunded, subjected to the rules prevailing – including service tax refunds.

3) Tickets bought through other private websites – These are the complicated and troublesome episodes, because here we have additional rules and fine print from the private website. I will be very frank, but the fine print with these private websites appears to keep changing all the time, and there is not much that an external agency can do to help since these terms and conditions are seldom available in printed hard copy form anywhere.

Which, in a way, is the solution we would expect from Indian Railways too – that they incorporate terms and conditions from private re-sellers on Indian Railways pages, both online and hard-copy. And that these terms and conditions, especially for refunds, be changed only after due information to the Indian Railways.

At the end of the day, I, as a railway passenger, am a customer of the primary vendor, Indian Railways. Any problems created and not resolved by their intermediaries with us as customers will only reflect badly on them.

And that is why many of us appear to blame Indian Railways when the real issue often lies with other vendors or providers. From crowds outside railway stations to sanitation to food to ticket refunds.

Clarity and accountability set by Indian Railways for all issues pertaining to PRS would be of great help not just for customers but also for the name and fame of Indian Railways too.

PS: What about refunds for tickets unused because of missed trains and connections?

Fear not, Indian Railways have pre-empted pretty much every contingency here, and from “Ticket Deposit Receipt” system both online and across the counter, to writing a letter, there is a rule and there is a refund. Look for it, send an email, ask around – and it will happen. Some extreme cases that I have resolved in my own experience include –

# child chewing up tickets before boarding the train.
# child floating the ticket away as “boat” in water gutter near platform.
# fell asleep on platform bench and train departed without me.
# whole group of school-children penalised for misspelling names.

There are good human beings at Indian Railways, it is just that they expect you to take some time out to read and understand their rules and regulations, too. Fair enough?

(Veeresh Malik started and sold a couple of companies, is now back to his first love—writing. He is also involved in helping small and midsize family-run businesses re-invent themselves.)


Maharashtra Voter Registration Process

(Use & Share ahead) – Enrollment Period : From 9th to 30th June 2014

Request Your Support to Circulate Voter Registration Process within your Organisation to all Employees/ Peers  under Corporate Social Responsibility.
***Employers & Employees are tax payers to Government , and hence each one bears a moral responsibility tobe  Registered Voter of India  & Cast his/ her Vote in Government Elections***
2014 General Election , we came across many citizens who lost the opportunity to cast their vote & were left dejected seeing others voting & they being deprived from their Voting Right.

The reason for not getting to vote may be different for each, ex/-
1. Voter ID card available, but name missing from Voter list
2. Citizens unaware of the Voter process registration
3. Citizens unaware of the Election offices close to their residential area where they would go & submit their Voter Registration form.

The bottom line is that every citizen who missed to vote due to some or the other technical reason, can now make a effort to get the corrections done.

MAHARASHTRA STATE LEGISLATIVE  ASSEMBLY ELECTION is due in October 2014 , and each one of you residing in Maharashtra can now have a chance immediately to get his/her Voter Registration completed & cast your valuable Vote to select appropriate candidate for representation in Maharashtra elections.

With your good wishes Bhartiya Janata Party (BJP) got complete mandate in Lok sabha. Your support to endorse Hon. Shri Narendra Modiji as Prime Minister of India indeed made a Difference. Your best wishes gave us the results in Lok Sabha , and we look forward  for similar support in Maharashtra State Elections for BJP , so that Centre & State can have a positive synergy & work effectively for efficient performance based results.



Voter Registration Process:
Step1 : Form to-be filled as per relevancy : (Forms are Downloadable Online).
Form- 6   : Application for inclusion of name in Electoral Roll  (https://ceo.maharashtra.gov.in/Downloads/FORM-6.pdf)

Form- 7   : Application for objecting inclusion or seeking deletion of name in Electoral Roll (https://ceo.maharashtra.gov.in/Downloads/FORM-7.pdf)
Form- 8   : Application for correction to particulars entered in Electoral Roll                        (https://ceo.maharashtra.gov.in/Downloads/FORM-8.pdf)
Form- 8A : Application for transposition ( Transfer of Address )of entry in Electoral Roll      (https://ceo.maharashtra.gov.in/Downloads/FORM-8A.pdf)
Form 18  : Claim for inclusion of name in the electoral roll for a Graduates’ Constituency (https://ceo.maharashtra.gov.in/Downloads/Form_18.pdf) / https://ceo.maharashtra.gov.in/Downloads/Form_18_En.pdf)

Form 19  : Claim for inclusion of name in the electoral roll for a Teachers’ Constituency   (https://ceo.maharashtra.gov.in/Downloads/Form_19.pdf) / (https://ceo.maharashtra.gov.in/Downloads/Form_19_En.pdf)

Step 2:
Attach Supporting Documents ( Proof  of Age & Residence Proof ) along with  2 recent photographs ( passport size)
* Photo copy of proof tobe Attested & then submitted.
* If  photo copies are unattested, please carry Original Documents  for validation along with photo copies. These documents will be verified by election office & then accepted .

List of Documents required for Proof of Age Document :
i) Birth certificate issued by a Municipal Authorities or district office of the Registrar of Births & Deaths or Baptism certificate; or
ii) Birth certificate from the school (Govt. / Recognised) last attended by the applicant or any other recognised educational institution; or
iii) If a person is class 10 or more pass, he should give a copy of the mark-sheet of class 10 , if it contains date of birth as a proof of date of birth; or
iv) Mark-sheet of class 8 if it contains date of birth; or
v) Mark-sheet of class 5 if it contains date of birth; or
vi) A declaration in prescribed format given in Annexure-1 (http://nadia.nic.in/Forms/Departments/Election/6.PDF) made by either of his parents if the person is not educated till class 10 (In those cases where parental declaration is given as proof of age, the applicant will have to be present himself for verification before BLO/ERO/AERO); or
vii) A certificate of his age given by a sarpanch of the concerned Gram Panchayat or by a member of the concerned Municipal Corporation / Municipal Committee, the person is not educated till class 10 and both the parents are not alive; or
viii) Indian Passport containing date of birth

List of documents required for “Proof of Residence”:
You are an ordinary citizen of the constituency if you have been residing in the constituency for 6 months or more. Fill up the full and complete postal address including PIN code where you are ordinarily residing and want to get registered, in the space provided.

Proof of ordinary residence to be attached are as under:
i) Bank / Kisan / Post Office current Pass Book, or
ii) Applicant’s Ration Card / Passport / Driving License / Income Tax Return filed or Assessment Order, or
iii) Latest Water / Telephone / Electricity / Gas Connection Bill for that address, either in the name of the applicant or that of his / her immediate relation like parents etc., or
iv) Postal department’s posts received / delivered in the applicant’s name at the given address.
v) Aadhar Card

Step : 3
Voter Help Center for Submission of Forms – Weblink :https://ceo.maharashtra.gov.in/Lists/VHCs.aspx (Scroll down gives option for Districts, click on it , select your district & check for Election Office nearest to your residence)

Post submission of the relevant form , DO-NOT forget to take Acknowledgement Receipt of form submitted from the Election Officer . This receipt is very important as it will help to follow-up with the Election office in-case, Voter ID does not come in time .

In case of any further help required , please feel free to drop in a mail to me.

Thanx & regards
Divya Dholay
BJP Mumbai Secretary

Bhartiya Janata Party
Vasant Smruti, 3rd Floor, Dada Saheb Phalke Marg, Dadar( East),
Mumbai 400014
Tel : +91 (22) 24183141/3290/1692
email id : divya.dholay@mumbaibjp.org /mumbjp.divyadholay@gmail.com

Top 50 loan defaulters in India

All India Bank Employees’ Association (AIBEA) has announced a list of top 50 loan defaulters, mainly the corporate firms, whose total default amount to the banks is allegedly to be around Rs 40,528 crore (Rs 4056.28 billion).

The association demanded a remedy for the bad loans at the earliest to safeguard the public money in the banks.

The list, released by the association, is on the data on loan not paid from Public Sector Banks except State Bank of India, IDBI and foreign banks. The association also plans to come out with top 30 defaulters in each Bank.

The biggest defaulter according to the list is Kingfisher Airlines.

Click Here to Read More

Just Saw An Accident And Don’t Know What To Do? This Team Can Help You With That!

In India, 15 people die every hour in road accidents, which gives it the dubious distinction of being world number 1 in road accidents. The country accounts for about 10% of road crash fatalities worldwide. In 2012 alone, 135,000+ deaths were caused by road accidents. (source)

With the increasing number of motor vehicles, the number of accidents is also increasing. Blame it on rash driving, protrusion, lack of first aid or ignorance bystanders, the problem remains the same.

That is where SaveLIFE Foundation comes into the picture and tries to change the situation. Founded by Piyush Tewari, an Ashoka Fellow in 2008, the not-for-profit organization focuses on enabling Bystander Care, the immediate care that Police and public can provide to emergency victims, especially those of road accidents, to enhance their chances of survival. –

See more at: http://www.thebetterindia.com/10705/save-life/

India Redifined – Aiming to make more Doers than Beneficiaries

Awaken INDIA : By Bringing about Awareness, Education & Communication
Clean INDIA : Of Pollution, Corruption, Unhygienic conditions, Dirty Environment, Contaminated Water & Soil (anything requiring cleansing)
Healthy INDIA : Will Result from Clean India and Dedicating specific Focus on Health Issues
Green INDIA : Result Of Clean India and using Sustainable Methods or Technology for a Greener INDIA like emission reduction and reducing effects of climate change etc.
Prosperous INDIA : The above Initiatives will naturally lead to Prosperity Across Board
Happy INDIA – End Result of all initiatives

Click Here for the website

Transmission of a flat in housing society or CHS?

More often than not, due to the sheer complicity and technicalities of our legal system, we find ourselves trampled by a load of complicated questions and even cheating and deception. One such area of concern is ‘transmission of flats‘. Here, we have the procedure for the same simplified for you.

Transmission of flats happens in the following two ways:
  1. When the flat owner has made a nomination before death.
  2. When the flat owner has not made any nomination before death.

Click Here for the full detailed write-up from MoneyLife by Shirish S Shanbhag, an MSc and a retired professor with over 32 years of experience, helps draft legal documentation related to co-operative societies, RTI and several other areas.) 

Which Tax Form Applies to You ?

These days, a lot of people file their own tax returns. But you need to be careful about which ITR forms to use. Do you realise that if you buy Rs1 lakh in tax-free bonds which have coupon of 8% to 9%, you cannot file ITR-1 (Sahaj)? This is because the tax-exempt income will cross the limit of Rs5,000 allowed for ITR-1? You will have to file ITR-2, in this case. Savings account interest up to Rs10,000 is tax-exempt, but it still needs to be included in your total income for the assessment year.

Interest from post-office savings is exempt up to Rs4,000, or Rs8,000 for joint accounts; PPF interest income is tax-free, but should be included in the exempt income. Some examples of exempt income are: dividend, transport allowance, house rent allowance (HRA), leave travel allowance (LTA) and interest on PPF. Showing higher or lower amounts for tax-exempt income than allowable can lead to scrutiny of your tax return. Here is a guide to which ITR to use in which case.