This Farmer Won the Padmashri for His Zero Budget Natural Farming Model

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After witnessing the harmful effects of chemical farming, Subash Palekar, a B.Sc in Agriculture, developed the Zero Budget Natural Farming model.

‘Krishi ka Rishi’ is the title farming communities across the country have bestowed on Subhash Palekar. This agriculturist is the creator of the ‘Zero Budget Natural Farming’ model, a method that has been creating waves in the farming community in India.

Palekar was born on 2nd February, 1949 in Belora, a small village in the district of Amravati, Maharastra. The son of a farmer, his interest in farming led him to pursue a B.Sc in Agriculture from Nagpur.

Palekar made his way back to his hometown in 1972 where, armed with the newly acquired knowledge his degree had given him, he began to advice his father on modern techniques of farming and urged him to use pesticides and chemical fertilizers. This led to an increase in crop yield that lasted more than a decade.

By 1985, however, Palekar began to notice a drop in yield; one that only got worse with each harvest. Curious about the sudden change, he began to look into the reasons for the decline. Three years of intensive research led him to the conclusion that chemical farming was the culprit. Palekar learnt that the use of chemical fertilizers and pesticides led to a decrease in the fertility of the soil, wrecked havoc on the ecosystem of the area and also led to long-term health problems for those who consumed the fruits, gains and vegetables harvested under such conditions.

Shocked by the harmful effects of chemical farming, Palekar began the hunt for less-destructive alternatives. Thus began the journey of Zero Budget Natural Farming in India.

IMAGE FOR REPRESENTATION ONLY. SOURCE: FLICKR

From 1986 to 1988, Palekar’s quest for natural farming techniques led him to the study of forest vegetation. It was here that he discovered the natural system at work in forests which allowed them to develop and nurture themselves, while maintaining healthy ecosystems. After careful research of the system, Palekar began to mimic the techniques he had witnessed, in his own farm. For a period of six years, from 1989 to 1995, he experimented and verified different techniques, before consolidating them into the ‘Zero Budget Natural Farming’ technique.

Zero Budget Natural Farming, as the name implies, is a method of farming where the cost of growing and harvesting plants is zero. This means that farmers need not purchase fertilizers and pesticides in order to ensure the healthy growth of crops.

Below are some of key learnings from the Zero Budget Natural Farming method:

It is believed that plants only receive 1.5% to 2% of their nutrient requirements from soil; the remaining is absorbed through water and air. Given that 98% of the nutrients do not come from soil, using fertilizers is not prudent.

We often come across huge trees in forests, their branches heavy with the weight of countless fruit despite the lack of fertilizers and pesticides. These trees are proof that plants can and do grow healthily without any chemical help.

The reason we do not witness the same in our farms is because the micro-organisms that convert raw nutrients into easy-to-digest form have been destroyed by the use of poisonous chemical fertilizers, insecticides and pesticides. Cultivation of soil by tractor has already proved to be detrimental to these micro-organisms.

Since these micro-organisms help convert nutrients into a digestible form that plants can absorb and use, it is critical to revive them in our farms. This can be done by using cow dung from local cows.

Cow dung from local cows has proven to be a miraculous cure to revive the fertility and nutrient value of soil. One gram of cow dung is believed to have anywhere between 300 to 500 crore beneficial micro-organisms. These micro-organisms decompose the dried biomass on the soil and convert it into ready-to-use nutrients for plants.

Over six years of research, Palekar found that:

1. Only dung from local, Indian cows is effective on the soil. Dung from Jersey and Holstein cows is not as effective. If one is falling short of dung from local cows, one may use dung from bullocks or buffaloes.
2. Dung and urine of the black coloured Kapila cow is believed to be the most effective.
3. To get the most of the cow dung and urine, ensure that the dung is as fresh as possible and that the urine is as old as possible.
4. An acre of land requires 10 kilograms of local cow dung per month. Since the average cow gives 11 kilograms of dung a day, dung from one cow can help fertilize 30 acres of land.
5. Urine, jaggery and dicot flour can be used as additives.
6. The lesser milk the cow gives, the more beneficial its dung is towards reviving the soil.

More than 40 lakh farmers across the country have benefitted greatly from Palekar’s teachings and his method of natural farming. Palekar spends 25 days a month sharing his knowledge of farming through seminar, lectures, workshops and field visits. Chief Ministers of Andhra Pradesh and Kerala have also requested him to spend ten days a month in their states, in order to help their farmers develop healthy farming habits.

In 2016, in recognition of his work and the impact he was creating, the Government of India conferred Palekar with the prestigious Padamashri Award. Palekar also made history for being the first active farmer to receive the award.

Palekar’s Zero Budget Natural Farming has undoubtedly made an indelible mark on farming in India.

http://www.thebetterindia.com/55881/zero-budget-natural-farming-subash-palekar/

Company must accept design defect if vehicles need frequent repairs

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If a vehicle requires repeated repairs, one can infer manufacturing defect–establishes the following case.

Case Study: Naryan Thakkar had purchased a Mercedes Benz diesel car, model E 220(211). It was purchased in 2003 for Rs 34,88,105. He also spent Rs1,54,524 to get the vehicle registered.

The vehicle was purchased on July 28, 2003, was covered under a two years’ warranty .Within 18 months of purchase, there was a problem with the turbo charger and the engine mount. As spare parts were not available, the vehicle stood idle for a considerable period, awaiting repairs.

After considerable correspondence, the service representative of Daimler Chrysler, inspected the vehicle at Auto Hanger. He also extended the warranty for a further period of four months. The vehicle continued to give problems.

Thakkar filed a complaint before the Maharashtra State Commission. He pointed out that in another case, taking cognizance of an article published in Times Global Business, which had reported about problems when Mercedes had launched its E Class series in 2002 and faced a barrage of complaints about cars not starting or breakingdown repeatedly , the manufacturer had withdrawn 1.3 million defective cars. Thakkar pointed out that the same treatment was not given to Indian customers. Since the company had failed to replace his car, he sought a refund of Rs 36,42,629, claimed a reimbursement of the interest paid for a bank loan to purchase the car. In addition, he demanded a refund of Rs 20,40,871incurred on repairs of the vehicle and asked for compensation and costs.

Auto Hanger contested the case stating that the service centre is only provided certain spares to cover replacements required due to normal wear and tear. If other parts are required, these have to be procured from the logistics centre located in Pune or have to be obtained from the Regional Centre in Singapore or the global centre in Germany has to supply the parts. So Auto Hanger claimed that it could not be faulted for its inability to replace the parts.

Diamler Chrysler questioned the maintainability of the complaint,contending that the vehicle was used for commercial purpose. It alsotried to attribute the problem to unprecedented floods in July 2005 andtermed this to be a natural disaster for which it could not be heldresponsible. The company stated that the vehicle should be inspected by an approved laboratory at Thakkar’s cost to ascertain if there was any manufacturing defect.

The state commission observed that no evidence was produced to show that the vehicle was being used for commercial purpose. So the complaint was held to be maintainable. Defects had developed during the warranty period, and the complaint was filed within two years. So the complaint was held to be within limitation.

On merits, the commission noted that the defects had even before the deluge of July 2005. Even after replacement of several parts, problems persisted. On December 8, 2006, the manufacturer had noted that the torque converter required replacement. The commission concluded that this established that there was a manufacturing defect in the vehicle, without the necessity of it being examined by a laboratory .

Accordingly, by its order of April 28, delivered by P B Joshi along with D R Shirsao, the state commission held Diamler Chrysler and Auto Hanger jointly liable torefundRs36,42,629paidforthevehicle,alongwith12%interest from February 22, 2007 onwards. Additionally Rs 2 lakh was awarded as compensation and Rs 25,000 towards litigation costs.

Conclusion: Testing is not required as repeated defects establish manufacturing defect.

Jehangir B Gai
ePaper, The Times of India (Bombay), May 08 2017, Page 6:

(The author is a consumer activist and has won the Govt. of India’s National Youth Award for Consumer Protection. His email is jehangir.gai.columnist@outlook.in)

ASCI bans 242 ads, including Snapdeal, Amazon, Idea, ToI, ET Now, Zee, Airtel, Coca-Cola, Dhara, Fair & Lovely, Ponds Age Miracle in February 2017

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The Consumer Complaints Council (CCC) of the Advertising Standards Council of India (ASCI) has banned as many as 242 advertisements out of 305 complaints it received across segments during February 2017. Out of 242 advertisements against which complaints were upheld, 165 belonged to the Healthcare category, 31 to the Education category, followed by nine in Personal Care Category, 19 in the Food & Beverages category, and 18 advertisements from other categories, the self-regulatory industry body said in a statement.
The banned ads are from prominent companies like Amazon.com (Micromax 32T7260 HDI LED TV), Jasper Infotech Pvt Ltd (Snapdeal), Idea Cellular Ltd (Idea 4G), Bennett Coleman & Co Ltd (Times of India), Times Network (ET Now), Zee News Ltd (Zee Business), Bharti Airtel Ltd (Airtel 4G Data), Dish TV, Coca-Cola, BSNL Corporate among others, they range from FMCGs to autos, personal accessories to alcohol, and education to media.
Click Here for more details and the full list of ads which are banned

National Consumer Helpline (NCH)

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http://nationalconsumerhelpline.in/

NCH is a project of the Union Ministry of Consumer Affairs operates under the Centre for Consumer Studies at Indian Institute Of Public Administration from The Project recognizes the need of consumers for a Telephone Helpline to deal with multitude of problems arising in their day-to-day dealings with business and service providers.

NCH provides a National Toll Free No–1800-11-4000. SMS can also be sent to +918130009809 (charges apply) mentioning the name and city .

A consumer can call to seek information, advice or guidance for his queries and complaints.

National Consumer Helpline supports consumers by:

– Guiding consumers in finding solutions to problems related to Products &
Services.
– Providing information related to Companies and Regulatory Authorities.
– Facilitating consumers in filing complaints against defaulting Service Providers
– Empowering consumers to use available Consumer Grievances Redressal
Mechanisms, Educating Consumers about their Rights and Responsibilities.

NCH VISION

” A Nation of awakened, empowered and responsible consumers and socially and legally responsible Corporations.”

NCH MISSION

“To provide telephonic advice, information and guidance to empower Indian consumers and persuade businesses to reorient their policy and management systems to address consumer concerns and grievances adopting world class standards.”

 

Consumers-cheer-govt-helpline-as-firms-resolve-grievances

http://epaperbeta.timesofindia.com/Article.aspx?eid=31804&articlexml=Consumers-cheer-govt-helpline-as-firms-resolve-grievances-30042017015019#

Nomination Cannot Override Law Of Succession Holds Bombay HC

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A division bench of the Bombay High Court has held that the right of succession overrides the rights of a nominee. The bench of Justices AS Oka and AA Sayed have held that the rights of the successors prevail over that of the nominee of a holder of shares or securities appointed under Section 109A of Companies Act, 1953….

Read more and the full judgement at: http://www.livelaw.in/nomination-cannot-override-law-succession-holds-bombay-hc/#.WP96DUHcj5U.whatsapp

BHIM UPI: NPCI says it won’t be responsible for loss or fraud, user fully takes the risk

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National Payments Corp of India (NPCI), which is set up as a Section 25 company under the Companies Act 1956 (now Section 8 of Companies Act 2013), and is seen promoting its Unified Payments Interface (UPI)- based Bharat Interface for Money application (BHIM) app, says it should not held responsible for any loss, claim or damage suffered by the user. What is more shocking are the terms and conditions (T&C) for the UPI BHIM app from NPCI, which are one sided and affords no protection whatsoever to the end user or consumer.
In its terms and conditions for use of the BHIM UPI app, the company, promoted by 10 banks, says, “NPCI does not hold out any warranty and makes no representation about the quality of the UPI services or BHIM application. The user agrees and acknowledges that NPCI shall not be liable and shall in no way be held responsible for any damages whatsoever whether such damages are direct, indirect, incidental or consequential and irrespective of whether any claim is based on loss of revenue, interruption of business, transaction carried out by the user, information provided or disclosed by issuer bank regarding user’s account(s) or any loss of any character or nature whatsoever and whether sustained by the User or by any other person. While NPCI shall endeavour to promptly execute and process the transactions as instructed to be made by the user, NPCI shall not be responsible for any interruptions, non-response or delay in responding due to any reason whatsoever, including due to failure of operational systems or any requirement of law.”
The T&C of NPCI are not easily available and one needs to search for it. But whatever is stated in the T&C documents, appears completely one-sided. Take for example point 6.2 in the T&C documents, which emphasises that only the user is responsible for any failed transaction or any loss and neither NPCI nor the bank can be held responsible. It says, “NPCI shall not be liable for any loss, claim or damage suffered by the User and/or any other third party arising out of or resulting from failure of any transaction initiated via BHIM App on account of time out transaction i.e. where no response is received from NPCI or the beneficiary bank to the transaction request. NPCI or the beneficiary Bank shall also not be liable for any loss, damage and/or claim arising out of or resulting from wrong beneficiary details, mobile number and/or account details being provided by the User.”
This means, even if NPCI or the bank fails to send the necessary response, it is the user who is liable for the loss. Therefore, NPCI, the developer and promoter of this UPI BHIM app, and banks on its platform, are under no obligation to send responses to these transactions within time. “NPCI shall not be responsible for any electronic or mechanical defect, data failure or corruption, viruses and bugs or related problems that may be attributable to User telecommunication equipment and/ or the Services provided by any Service Provider,” NPCI says.
Remember the Bank of Maharashtra case, where fraudsters siphoned off Rs25 crore from the lender, using a bug in its UPI app? For such kind of misuse, too, NPCI says the payer is responsible. It states, “The Payer is solely responsible for the accuracy and authenticity of the payment instructions issued via BHIM App. Once a payment instruction is issued, the same cannot be subsequently revoked by the Payer. NPCI accepts no liability for any consequences arising from erroneous information provided by Payer in payment instructions.”
Now, let us see what happened in the Bank of Maharashtra case (Read: UPI bug costs Bank of Maharashtra about Rs25 crore). P Hota, Managing Director and Chief Executive of NPCI, told the Economic Times that the Pune-based bank had procured an UPI solution from a vendor (reported to be city-based InfrasoftTech), which had a bug that resulted in the fund moving out of the accounts without the sender’s account having the necessary funds.
As per the procedure, when the UPI app receives such a request, it sends a query to the other party (customer) and, after obtaining acceptance, it checks fund availability in the UPI-linked bank account. However, the UPI app used by Bank of Maharashtra sent two messages to NPCI, one as ‘success’ and other as ‘error:insufficient funds’. In these fraudulent transactions, NPCI only read the first message and cleared the payment.
This is an interesting situation because the money was taken from accounts which did not have necessary funds. So, who will bear the loss? As per NPCI’s T&C, it cannot be the company or the bank, but the user. However, in this case, the user was not even aware about this fund transfer. In addition, NPCI is not under any obligation to keep a record of instructions, making the job of the investigation agencies difficult.
In its T&C documents, NPCI states that it has no liability or obligation to keep a record of the instructions to provide information to the user or for verifying the instructions. “All instructions, requests, directives, orders, directions, carried out by the User via BHIM App, are based upon the User’s decisions and are the sole responsibility of the User,” it says.
After making claims that over one crore users have downloaded the BHIM app from Google Play Store, the government is now trying to boost its actual use. The government has come out with a customer referral scheme, which promises to pay Rs10 per reference to the referrer and Rs25 for the new user for downloading and transacting from BHIM app. But this will happen only on completion of three unique transactions of Rs50 in total to any three unique customers or merchants.

Attorney general tells Supreme Court: Modi’s words don’t matter as much as the fine print

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Should citizens be expected to read the fine print every time the prime minister makes a public promise?

The Indian government’s top legal officer told the Supreme Court on Tuesday that Prime Minister Narendra Modi’s promises made in an address to the nation don’t matter if his government doesn’t stick to them in the legal notification that follows. The court was questioning the government’s decision to close the window allowing all people to swap older Rs 500 and Rs 1,000 notes in the aftermath of Modi’s demonetisation announcement on November 8, 2016.

“If the PM has made the announcement in television that deposit can be done till March-end next year [2017] but subsequent law says one can’t do so, the law will prevail but not PM’s statement,” said attorney general Mukul Rohatgi in court, according to LiveLaw.in.

U-turn

Modi, in his November 8 announcement, said that everyone would be free to deposit their old notes in local banks until December 30, 2016. Following this, those who are not able to deposit their old notes for whatever reason “can go to specified offices of the Reserve Bank of India up to 31st March 2017”.

When the government issued an ordinance, however, it prohibited most Indians from being able to deposit their older notes after December 30. The only people permitted to still do so until March 31 are Non-Resident Indians and citizens who were abroad between November 8 and December 30, 2016.

This left a number of people in the lurch, prompting the filing of several Public Interest Litigation suits asking how the government could go back on its decision after the prime minister promised the window would remain open. The Supreme Court has now given the government until April 11 to submit a detailed explanation of why it decided to shut the note-swap window ahead of time.

Click Here for the full story from Scroll.in

Complaint Against Anil Ambanis Mobile Company

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 I have for the first time in my life yesterday evening got calls from Reliance Anil Ambani group, three calls to be precise in one hour after posting Complaints on Social Media with a request that your problem will be solved just visit reliance store. I have also been informed disciplinary action will be taken against the concerned franchise for the inconvenience caused to me.

I have told them to confirm in writing and have told them that till my mobile is started again I will continue claiming Rs. 2,000/- per day compensation. I challenge them to provide documentary evidence how porting request is treated as termination request.

Anil Ambani, you may be a big man. But don’t forget you are not above law. I understand that some of your senior team members are behind bars for some wrongful acts of some company of yours. I challenge you to specify in public to clarify what u r achieving by haressing customers who wish to port their number? I understand hundreds if not thousands of customers are complaining of portability issues.

I am reserving my right to purchase one share of your company and question the management in the Annual General Body Meeting of your company in front of all shareholders of the company the haressment caused to mobile users with statistical details of portability requests.

Friends my personal view is whenever we face a problem irrespective of the high and mighty person he may be ( this suggestion is not just against Anil Ambanis Reliance group but all products purchased as consumers from different industrialist, manufacturers) we should post it on social media which is a very powerful tool. You may be haressed but at least you will get satisfaction of warning others of the malpractice / deficiency of service provided by company. I will for the next one month guide free of charge consumers in person who have suffered at the hands of mobile company.

Gone are the days when consumers were considered weak. I feel some corporates commit wrongful acts with the help of battalion of persons. Be it tax evasion etc. Tax evasion of shell companies, vodaphone tax demands etc are just a tip of the ice berg. So much is spoken about 3G, 4G, but nothing is spoken of earlier years when in my view mobile companies have literally looted government of its resources. Similarly in my view oil (from sea )as of date is commercially looted of the government by powerful industrialists.

As far as mobile companies are concerned I thave a strong feeling that they evade stamp duty on franchise agreement. As a soldier of consumer movement I will take up this fight to the best of my ability with authorities to levy stamp duty on franchise agreements. Best of luck Anil Ambani and one free advice to you to recheck if you have paid proper stamp duty on all your franchise agreements since formation of Reliance group. The penalty for evasion of stamp duty in Maharashtra is 2% per month for the period of default. Maximum penalty is 400%. I appeal to government authorities particularly stamp authorities all over India to recheck if proper stamp duty is levied on franchise agreements executed by all persons all over India.

Friends I will appreciate if u share your views as regards haressment by mobile companies, other manufacturers, service providers. It may be a service for some unknown friend, sitting somewhere cutting across continents but reading such posts.

Wish me goodluck friends in my fight against the high and mighty.

Vinod Sampat
9987622225

Capital Valuation of your property

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Mumbai, 3rd April, 2017:

Unknown to most Mumbaikars, BMC issued a circular last month giving notice that the Capital Valuation for the forthcoming years has been completed for fixing up property tax applicable to property owners and that “they will be available for inspection at the office of the Asstt. Assessor and Collector in the respective wards… between 23rd March 2017 to 13th April 2017.” It added that “complaints against the Capital Values… must be made in writing by the property owners themselves or by the persons duly authorized by them under a power of attorney.”

 

BMC’s notice may be downloaded from this link:  http://bit.ly/MCGM-Notice-23-3-2017

 

Sometimes, the assessment department makes mistakes in fixing the capital value, which results in huge disputed dues. If the window of opportunity given under the circular is not promptly availed, then property owners such as housing societies are left with the costly option of going to small causes court against excessive billing.

 

It is quite easy to verify the capital valuation from BMC’s website (https://prcvs.mcgm.gov.in/ ), by entering the Property Tax Account Number and other details. However, it is difficult to draft a proper complaint in case of mistakes in capital valuation are discovered. To assist Cooperative Housing Societies in exercising this right, Andheri-based NGO Maharashtra Societies Welfare Association (MSWA) has created a downloadable format with the help of Property Tax Department insiders.

 

Download the complaint format from: 

http://bit.ly/BMC-Complaint-Form

 

In case, the capital valuation of their property is excessive, office-bearers of housing societies may download this useful format, fill it up and submit it before 13th April 2017.

 

CA Ramesh Prabhu, chairman of MSWA, remarked, “It is unfair that only three weeks time is given to citizens for verifying the new capital valuations, on the basis of which lakhs of rupees are charged to more than 30,000 cooperative housing societies and other property owners. Butwe will do whatever we can to facilitate citizens of Mumbai to respond to this circular,” he said. Mr  Prabhu appealed to office-bearers of housing societies to take the circular seriously, as the impact of wrong valuation be lakhs of rupees.

 

Housing societies may contact MSWA’s helpline number 022-42551414 and also Whatsapp no. 70455 99702. MSWA Members will receive free-of-charge assistance in assessment of valuation, submission of this complaint and follow-up.

 

ISSUED BY

Krishnaraj Rao

9821588114

krishr.mswa@gmail.com

An Indian bank appears to be scamming its customers; here’s how an alert citizen discovered it

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Karthik Srinivasan, a Digital Marketer from Bangalore was going through his email when he discovered that HDFC Bank had been charging him Rs 100 per quarter for a program he never signed up for.

On delving deeper, he discovered that the service was an opt-out program that had been activate for his account without his express consent. Worse still, the opting out requires a member to actually read their spam-like banking emails, from top to bottom, discover the fine print that states that the offer is an opt-out one and then click on a link to opt-out of the service.

Mystique Wanderer @MystiqueWanderr

@beastoftraal write to banking ombudsman, an opt out program is not permitted I think @kalyansury @HDFC_Bank@HDFCBank_Cares

Karthik

✔@beastoftraal

@MystiqueWanderr Planning to. Meanwhile, plan to tweet it *every single day* till end 2017 or till @HDFC_Bank apologizes to all. @kalyansury

7:55 PM – 1 Feb 2017

But what’s Rs 400, right? That still doesn’t equate to hundreds of crores of rupees.

Rashmi R. Padhy took to Medium to break down why the money is real and why this is indeed a scam.

Pointing to VAS (Value-Added-Service) fraud that was prevalent some years ago, Padhy notes that telcos used to offer VAS as “free” trials. After the trial was over, these telcos would charge you for the service and keep doing so until you opted out.

The value of the transactions was small, but scaled up, the telcos likely earned in hundreds, if not thousands of crores. The rising number of complaints caught the Telecom Regulatory Authority of India’s (Trai) attention and the practice was halted.

Karthik

✔ @beastoftraal

Day 16: Why Day 16? And why I’ll be tweeting this to @HDFCBank_Cares *every single day* till the end of 2017: http://bit.ly/2jW2NeJ 

Karthik

✔@beastoftraal

Day 17: I’m not tired @HDFC_Bank! Just very disappointed. That a bank could be this brazen with customers’ money http://bit.ly/2jW2NeJ 

9:52 AM – 18 Feb 2017

HDFC Bank appears to be doing the same thing. The bank essentially upgrades you to a free Classic / Preferred Banking trial program without your consent and then charges you Rs 100 — plus service tax — per quarter till you opt out.

Since most people would not read the mailer that explains all this and since the price isn’t placed up front, most people will not opt-out because they simply don’t know.

Padhy breaks down the calculations as follows. Charging 1.2 Cr customers a fee of Rs 400 a year, HDFC is set to earn upwards of Rs 400 Cr a year. For free, without the explicit consent of its members.

The calculation may not be as cut and dried as Padhy puts it and the numbers might be much lower. This doesn’t, however, change the fact that the program is inherently fraudulent. And other banks might soon follow suit, if they haven’t already.

As heinous as the practice might seem, it is currently perfectly legal for it to do what it’s doing.

Karthik

✔ @beastoftraal

Day 49: Invite-only, they said.
You’ll be charged, they said.
‘Here’s opt-out link’, they hid in email.
If not…! http://bit.ly/UnethicalHDFC 

Karthik

✔@beastoftraal

Day 50: Thank you for this @OfficeChai. For the 50th time, could you please do the right thing, @HDFC_Bank? http://bit.ly/2nGeeum  pic.twitter.com/euk7nuMgpl

8:41 AM – 22 Mar 2017

View image on Twitter

Most people may not even be aware of the service or the charge. A charge of Rs 400 a year can easily get lost in the tens of thousands of transactions that we perform every year. And how many of us actually peruse through our monthly bank statements in that much detail anyway? Many more of us probably delete bank mails the moment they arrive in the first place.

Srinivasan did not take this charge laying down. On discovering the charge, an average person might simply have opted out, vented a bit on social media and left it at that. Srinivasan is, however made of more Gandhian stuff. As Office Chai puts it, Srinivasan is now on an online ‘satyagraha’ to get HDFC Bank to apologise for trying to scam its customers in such a way.

Click Here for the detailed full story