Saturday, 31 December 2016

PM's ADDRESS TO THE NATION - TOTAL DISAPPOINTMENT

I was watching the TV just to hear the total number of Black 500/1000 notes were demonetised. But the PM was all talking about the white deposited in the banks. Who will call depositing in the bank or exchanging the old with new as demonetization? What is not come out is the demonetised currency. If our digital technology is efficient, it could have been calculated very easily. RBI should know the total number of old currency in circulation. The banks must know how much is returned. The balance would be the really demonetised notes subject to adjustment later changed through the RBI up to March. This should be the net benefit if any out of this drama. This is what is to be revealed. People depositing or changing money at gun point, making serpentine lines cannot be considered as an achievement.
Visit:- manjaly.net 

Saturday, 17 December 2016

GOVERNMENT ADMITTED FAILURE OF CURRENCY DEMONETISATION – NEW SCHEME ANNOUNCED

The new Pradhan Mantri Garib Kalyan Deposit Scheme, 2016 which comes into force from the 17th day of December, 2016 is literally an admission of the Government of its failure on the Currency Demonetisation. The Scheme will be valid till 31st day of March, 2017. Definitely it is an attempt to save those VVIPs who hoard black money even now. How many such Black Money Schemes are yet to come? Definitely many more “ACHE DIN” schemes are yet to come.

(Please refer Chapter 4 of my book “A FRAUD IN THE INDIAN CONSTITUTION”. For details, go to link:- https://www.facebook.com/afraudintheindianconstitution/ ). 

Under the scheme, deposit is to be made in the form of cash or draft or cheque or by electronic transfer and shall be drawn in favour of the authorised bank accepting such deposit.  But there is no mention whether the term “CASH” include the recently demonetised currencies which are accepted by the Banks till 31/12/2016. If it includes, clearly it is a ‘scam scheme’ tailor made for the biggie scam masters to offload their black money without making a queue under the scorching sun as the many ordinary poor people stood in the queue to change their meagre amount demonetised because of these black money masters. Even if “CASH” does not include demonetised currency, still it is a bonanza for the black money masters. They could easily transfer their white money into these accounts and replace it with the declared black money under the scheme. And the general public will become fools as usual – standing in queue below the fiery sun for hours and days.

Main part of the scheme is given below:-

Notification dated the December 16, 2016: 

1.  Short title, commencement and application.— (1) This Scheme may be called the Pradhan Mantri Garib Kalyan Deposit Scheme, 2016.      
(2) It shall come into force from the 17th day of December, 2016 and shall be valid till 31st day of March, 2017.  
    (3) This Scheme shall be applicable to every declarant under the Taxation and Investment Regime for Pradhan Mantri Garib Kalyan Yojana, 2016. 
2. Eligibility for Deposits.— The deposit under this Scheme shall be made by any person who intends to declare undisclosed income under sub-section (1) of section 199C of the Taxation and Investment Regime for Pradhan Mantri Garib Kalyan Yojana, 2016. 
3.   Form of the deposits.— (1) The deposits shall be held at the credit of the declarant in Bonds Ledger Account   maintained with Reserve Bank of India.   
 (2) A certificate of holding the deposit shall be issued to declarant in Form I. 
            (3)The Reserve Bank of India shall transfer the deposit received under this Scheme into the designated Reserve Fund in the Public account of the Government of India. 
4.     Subscription and Mode of investment in the Bonds Ledger Account.— (1) The deposits shall be accepted at all the authorised banks notified by Government of India. 
              (2)   The deposits shall be made in multiples of rupees one hundred.  
 (3)  The deposit under sub-section (1) of section 199F by a declarant shall not be less than twenty-five per cent. of the undisclosed income to be declared under sub-section (1) of section 199C of the Act.
 (4) The entire deposit to be made under sub-section (1) of section 199F under this Scheme shall be made, in a single payment, before filing declaration under sub-section (1) of section 199C.
 (5) The deposit shall be made in the form of cash or draft or cheque or by electronic transfer and shall be drawn in favour of the authorised bank accepting such deposit. 
5. Effective date of deposit.— The effective date of opening of the Bonds Ledger Account shall be the date of tender of cash or the date of realisation of draft or cheque or transfer through electronic transfer. ..................................


Friday, 2 December 2016

NEW CORRUPTION BILL BEFORE THE PARLIAMENT

The Government is now creating a new avenue for corruption through the introduction of the new Taxation  Laws  (Second  Amendment)  Bill,  2016  which  has  been passed  by  the  Lok  Sabha  and  is  under  consideration  with  Rajya  Sabha. The  Bill seeks to  enhance  the  applicable tax  rate  under  section  115BBE  of  the  Income-tax  Act,  1961  (the  Act)  from  existing  30% to  60%  plus  surcharge  of  25%  and  cess  thereon.  This tax  rate  under  section  115BBE proposed  to  be  increased  is only  for unexplained  income  as there were reports that  the  tax  evaders are  trying  to  include  their undisclosed  income  in  the  return  of  income  as  business  income  or  income  from  other sources.  The  provisions of  section  115BBE  apply  mainly  in  those  cases where assets  or cash  etc.  are  sought  to  be  declared  as  ‘unexplained  cash  or  asset’  or  where  it  is  hidden as unsubstantiated business income, and the Assessing Officer detects it as such. This is the area where the corruption starts. It is for the assessing officer to detect it. With my experience with the Income Tax Department (REF:- My autobiography "A FRAUD IN THE INDIAN CONSTITUTION" - With full details part II is under preparation), an Income Tax Officer can be very easily be convinced that there is no unexplained income. If he is not convinced there are authorities above him to get him convined. Since due to the shortage of currency, convincing can be done through the unexplained income readily available with the assessee. Then comes the CAG audit to certify that there is no unexplained income and whatever ITO has done is absolutely correct. Then everything is white....white......White....  

So after the bill is passed everything will be white. What is outside India is already WHITE.
(for more information, visit:- www.manjaly.net)

Wednesday, 9 November 2016

RELIGIOUS PLACES CAN BE MISUSED TO MAKE CANCELLED NOTES INTO WHITE

This is what I have posted in Times of India regarding Note cancellation: "If my memory is correct, earlier also it was done. That time, religious places were misused to make black money into white. Since all religious trusts are under the control of big money holders, it is very easy. Even otherwise on commission basis they will do it and claim as offer box collection.
JOSEPH MANJALY
"

Whether the issue of 500 & 1000 Note cancellation was leaked is another concern.

For more information on black money, read my book "A FRAUD IN THE INDIAN CONSTITUTION"

Below Photo added on 14-9-2017:



Wednesday, 14 September 2016

TWO FACES OF ONAM – VICTORY OF CORRUPTION AND DEFEAT OF MORALITY

Tradition associated with Onam Festival is in fact the remembrance of a bygone era ruled by the legendary King Mahabali (also known as Maveli in Malayalam language). It is believed that he ruled the part of earth now known as southern part of India, particularly Kerala, nicknamed as God’s own country. He was a kind, righteous, secular and moral king. In his kingdom, all were treated equally not like the present legal (de jure) equality but factual (de facto) equality. His country was prosperous and wealth was equally distributed and not accumulated by handful persons. Therefore, there was no corruption, theft, etc. in those days. Jealous of his popularity, his enemies dethroned him by deceit taking advantage of his generosity and charity nature. Thus the era of corruption and all kinds of vices started then onward.

When he was dethroned by his enemies and sent him to underground (Pathal), he begged with them for visiting his People at least once in a year. He was so attached to his people. His request was allowed. Onam is in memory of that annual visit. Hence it is treated as a secular Kerala State festival and celebrated by all people of Kerala irrespective caste, creed or religion. To my knowledge, it is also celebrated in other parts of India by different communities on different names.

India Government also declared one day as Vigilance day annually  as a way of making aware of the people the evils of corruption. On that day anti-corruption Oath is taken by Government servants. But in most of the cases it is a mockery – a corrupt higher officer administering the oath to his corrupt subordinates pledging that they would not indulge in any corrupt practices. So this Vigilance Day is only a farce ceremony without yielding any result.


{To read free part of my book, "A FRAUD IN THE INDIAN CONSTITUTION" on anti-corruption activities while in Government Service and thereafter, go to 'LOOK INSIDE' in the below link:- https://www.amazon.in/FRAUD-INDIAN-CONSTITUTION-M-P-JOSEPH-ebook/dp/B00SQKTADY  Part II is coming soon}

WISH YOU HAPPY ONAM

Saturday, 10 September 2016

LIST OF COMPLIMENTARY COPIES OF MY BOOK ‘A FRAUD IN THE INDIAN CONSTITUTION’ SUBMITTED:-

LIST OF COMPLIMENTARY COPIES OF MY BOOK ‘A FRAUD IN THE INDIAN CONSTITUTION’ [(www.amazon.in/dp/9352353986) (web: manjaly.net )]
 Submitted to the following (by speed post/hand delivery):-

As part of my public awareness mission regarding the rotten state of Indian Public administrative system, I had made available to the following, complimentary copies for their own information and also to the benefit of the public who could not buy the book.

Government offices:-

1   .         Hon’ble President of India
2   .         Hon’ble Speaker, Lok Sabha
3   .         Hon’ble Dy. Speaker, Rajya Sabha
4   .         Finance Minister, Govt. of India
5   .         ISBN Authority, New Delhi
6   .         Comptroller and Auditor General of India
7   .         Central Information Commission, New Delhi
8   .         Pr. Director of Audit (Central), Mumbai
9   .         Pr. Accountant General (Audit) Mumbai
1 0.        Pr. Accountant General (A&E) Mumbai
1 1.     Chief Commissioner of Income Tax – I, Mumbai

Libraries:

1.       National  Library, GOI, Kolkata
2.       Connemara Public Library, Chennai
3.       Delhi Public Library, New Delhi
4.       Central Library, Town Hall, Mumbai
5.       Central Library, Thiruvananthapuram
6.       Town Hall Library, Thrissur
7.       Union Public Library, Cherpu, Thrissur
8.       British Library, Mumbai
9.       American Library, Mumbai

Political Parties:

1   .       AICC HQRS, NEW DELHI
2   .       BJP HQRS, NEW DELHI
3   .       AAP (C.M., NEW DELHI)

Publications/public media, News Paper:


  1. Press Club, Thrissur,
  2. Malayala Manorama
  3. Mathrubhoomi
  4. Deepika
  5. Kerala Kaumudi
  6. Deshabhimani
  7. Sathyadeepam
  8. The Hindu
  9. The Times of India
  10. Indian Express
  11. DNA
  12. Hindustan Times
  13. Kairali TV

Sunday, 7 August 2016

COMPTROLLER AND AUDITOR GENERAL OF INDIA (CAG) V/s CONTROLLER GENERAL OF ACCOUNTS (CGA)

Basically the word 'Comptroller' is associated with the financial management of computing/accounting of the organisation/government. Auditor is entirely different. In audit also there are two types. One is internal audit which is done by the persons associated with the management of the organisation. Second type is external auditor. It is done by an independent outsider not associated with the management computing/accounting. In CAG both these functions are combined. This is the main reason, though there were some hidden compelling political reasons also, for removing the accounting functions from the CAG and entrusting it to the (CGA) during the 1970s. The transfer of accounting function as far as the Central Government is concerned, is almost complete except compiling, presentation etc. However, in many State Governments, the transfer of accounting is not yet complete. Therefore, the name “Comptroller” is still continued in CAG. Further, Constitutional amendment is also required for the change of name CAG. That might be one of the reasons why allegations were made on the involvement of CAG in some infamous scams like like "fodder scam" in some States. Now the Controller General of Accounts is the apex Accounting Authority of the Central Government and exercises the powers of the President under Article 150 of the Constitution for prescribing the forms of Accounts of the Union and State Governments on the advice of the Comptroller & Auditor General of India. Controller General of Accounts is the principal Accounts Adviser to the Government of India and is responsible for establishing and maintaining a technically sound management accounting system. He also prepares annual Appropriation Accounts (Civil) and Union Finance Accounts for presentation to the Parliament.
Incidentally, the question of spelling mistake of the word “COMPTROLLER” was raised by some readers of my book mentioned as 1 in the below note. 
N.B.:-
[ Also read my books:
1-      A FRAUD IN THE INDIAN CONSTITUTION (eBOOK/PAPERBACK): http://www.amazon.in/FRAUD-INDIAN-CONSTITUTION-M-P-JOSEPH/dp/9352353986  

Tuesday, 26 July 2016

SUPREME COURT JUDGEMENT ON JUDICIAL CORRUPTION


In this case, the charges against the Appellant, Chief Judicial Magistrate (CJM) of a District in Gujarat, was involved in rendering of decisions motivated by corrupt practices or by oblique motives.  The two criminal cases which were tried by the Appellant CJM involved offences under Section 135 of the Customs Act, 1962 related to the smuggling of 275 silver slabs worth ₹.5,86,50,620/-. The offence invited a punishment of imprisonment for a term which may be extend up to seven years and with fine. But in the absence of any special and adequate reasons, such imprisonment should not be less than three years. Disciplinary action was initiated against the CJM.

The explanation of the Appellant was that he was recently promoted to the cadre of CJM and was not aware of the provisions of Section 135. This explanation was not accepted by the Disciplinary Committee and also by the Full Court of the HIGH COURT OF GUJARAT (Respondents). They were of the opinion that as a judicial officer who was in service for over fourteen years, the Appellant could not have been unmindful of and was duty bound to have read the governing provisions of the law under which the offence was sought to be established. The Appellant awarded sentences ranging from three months to five years of imprisonment to different accused. No reasons appear from the record of the judgment, for awarding less than the minimum sentence prescribed. They opined that it was inconceivable that a judicial officer would do so in two successive trials without apprising himself of the law or the punishment provided by the legislature.

Also read my book on corruption based on my autobiography:
A FRAUD IN THE INDIAN CONSTITUTION http://www.amazon.in/dp/9352353986 

In the appeal filed by the CJM, the Supreme Court after duly examining the judgments rendered by the Appellant CJM and merit in the finding of the High Court, it was held that the Appellant paid no heed whatsoever to the provisions of Section 135 under which the sentence of imprisonment shall not be less than three years, in the absence of special and adequate reasons to the contrary to be recorded in the judgment of the Court.  Most significant is the fact that the Appellant imposed a sentence in the case of each accused in such a manner that after the order was passed no accused would remain in jail any longer.  Two of the accused were handed down sentences of five months and three months in such a manner that after taking account of the set-off of the period during which they had remained as under-trial prisoners, they would be released from jail. The Appellant had absolutely no convincing explanation for this course of conduct.


The Appellant had been dismissed from service. The submission of the Appellant was that having regard to the fact that he had an unblemished record of service, the imposition of the punishment of dismissal would be disproportionate to the misconduct which had been found to be established. Rule 6 of the Gujarat Civil Services (Discipline and Appeals) Rules 1971 enunciates disciplinary penalties.  Among them is (i) compulsory retirement; (ii) removal from service which shall not be a disqualification for future employment under Government; (iii) dismissal from service which shall ordinarily be a disqualification for future employment under Government.  Having due regard to the nature of the misconduct which has been found to be established and the totality of circumstances SC was of the view that the punishment of dismissal should stand substituted by an order of compulsory retirement. The Appellant has attained the age of superannuation and would be entitled to his retirement benefits on that basis. They accordingly allowed the Appeals in part.  The judges also confirmed the judgment of the High Court in so far as it rejected the challenge by the Appellant to the finding of misconduct.  However, for the reasons which they had indicated above they directed that the order of dismissal from service should stand substituted with an order of compulsory retirement which should take effect from 14 July 2009, the date on which the final order of penalty was imposed upon the Appellant. [Reference: SUPREME COURT OF INDIA, Civil AppeaL Nos 6116-6117 OF 2016 - Arising out of SLP (C) Nos.34674 -34675 of 2012- judgment dated JULY 12, 2016

Monday, 25 July 2016

നിയമസഭകളിൽ സി എ ജി സമർപ്പിക്കുന്ന റിപ്പോർട്ട് വിശ്വസനീയമോ അതോ കെട്ടുകഥകളോ?

ഇന്ത്യൻ പാർലമെന്റിലും സംസ്ഥാന നിയമ സഭകളിലും സി ജി സമർപ്പിക്കുന്ന ഓഡിറ്റ് റിപ്പോർട് വിശ്വസനീയമാണോ? അതോ  അത് വെറും കെട്ടുകഥകളോ? കെട്ടുകഥകളാണെന്നു തെളിയിക്കുന്ന എന്റെ ആത്മകഥ (ഇംഗ്ലീഷ്)വായിക്കുക

സർക്കാരിന്റെ  യഥാർത്ഥ  അഴിമതിക  മുടിവെച്, അതിനു പകരം കെട്ടുകഥകൾ ഉണ്ടാക്കി ഓഡിറ്റ് റിപ്പോർട് എന്ന പേരിൽ പുസ്തകം അടിച്ചു നിയമ സഭകളിൽ സമർപ്പിക്കുകയും അതുവഴി പൊതുജനങ്ങളെ  വിഡ്ഢികളാക്കുകയും ചെയ്യുന്ന  തട്ടിപ്പിനെതിരെ  30 വര്ഷത്തിലേറെക്കാലം സി ജി ഓഫീസിൽ പോരാടിയതിന്ടെ യഥാർത്ഥ ജീവിത കഥ. കൽക്കരിപ്പാടം/2 ജി മുതലായ അഴിമതി റിപോർട്ടുകൾ പുറത്തുവരാൻ എന്തുകൊണ്ട് 20 വര്ഷത്തിലേറെക്കാലം താമസമുണ്ടായി? ഇത്രയും കാലം സി ജി എന്ത് ചെയ്യുകയായിരുന്നു

പുസ്തകത്തിന്റെ ആദ്യഭാഗം ഫ്രീ ആയി വായിക്കുവാൻ താഴെ കൊടുത്തിരിക്കുന്ന ലിങ്കിൽ പോയിലുക്  ഇൻസൈഡ്” ക്ലിക് ചെയ്യുക: 

Thursday, 21 July 2016

कैसे सी ए जी झूठी रिपोर्ट संसद में पेश किया जाता है?

यह पुस्तकभारतीय संविधान में एक धोखाधड़ीमेरी आत्मकथा / संस्मरण के रूप में अंग्रेजी में है।
पुस्तक के भाग 1 "सी जी  एक एकाउंटेंट भी नहीं है" शीर्षक के साथ शुरू होता है । मेरे अपने अनुभव से मैं समझा रहा हूँ क्यों ऐसा है।

दूसरा अध्याय से, मेरे अपने अनुभव से ही मैं समझा रहा हूँ , कैसे सी ए जी  वास्तविक तथ्यों को छुपा कर झूठी जानकारी के साथ लेखा परीक्षा रिपोर्ट संसद में पेश किया जाता है। संसद में चर्चा इन झूठी रिपोर्ट के संदर्भ में हो रहा है और इस तरह जनता को मूर्ख बनाया जा रहा है । इन झूठी रिपोर्ट प्रसार करने के लिए अखबार और टीवी चैनलों बहुत ज्यादा दिलचस्पी दिखा रहे हैं।

अध्याय 6 से 10 तक मैं समझा रहा हूँ कि जबकि मैं सेवा में था कैसे मैं भ्रष्टाचार के खिलाफ लड़ रहा था , और कैसे  प्रशासन द्वारा मुझे कितना परेशान किया गया था।

अधिक जानकारी और किताब (‘A FRAUD IN THE INDIAN CONSTITUTION’ -बुक / किताबचा) की खरीद के लिए आप नीचे दिए गए लिंक पर कृपया जाएँ :  www.amazon.in/dp/9352353986 
मेरा वेबसाइटmanjaly.net 

Wednesday, 6 July 2016

7TH CPC - CABINET MEETING CHAIRED BY PM FALSIFIED THE FACTS

In para 2 of the decision of the cabinet meeting chaired by Prime Minister published recently, the fact was falsified as follows, “In the past, the employees had to wait for 19 months for the implementation of the Commission’s recommendations at the time of 5th CPC, and for 32 months at the time of implementation of 6th CPC. However, this time, 7th CPC recommendations are being implemented within 6 months from the due date”. (Copy attached- http://finmin.nic.in/7cpc/7cpcGazetteNotification.pdf). My first question is whether it is a cabinet decision to be notified publicly or a cheap political publicity tactics? And whether it is a statement or a “decision” and is it true? According to me it is a Gazette Notified false statement issued publicly as follows:
In the case of 6th Pay Commission, Report was submitted to the Government on 24/03/2008. Government decision was published on 29/08/2008. Time taken was 5 months and 5 days.
In the case of 7th Pay Commission report, it was submitted on 19/11/2015. Government decision was taken on 29/6/2016. Time taken was 7 months and 10 days. Yet credit goes to the present government for taking early decision. Actually it took 2 months and 5 days more than the previous government to decide on the issue, that too a totally simple form of CPC report compared to the earlier reports.
Therefore, it is my request to remove the false self-glorifying statement Gazette Notified in the guise of a cabinet decision.

*****
N.B.: also read my following:-
1. Book: A fraud in the Indian Constitution – https://www.facebook.com/afraudintheindianconstitution/?ref=hl

2. Blogs:


Sunday, 24 April 2016

My book on CORRUPTION AND SCAMS in Indian Public Administration

The book 'A FRAUD IN THE INDIAN CONSTITUTION' is in the form of my autobiography/memoirs,
Part I of the book starts with the Heading “CAG NOT EVEN AN ACCOUNTANT” narrating why it is so from my own experience during my brief initial stay in the account side of the Department. 
From the 2nd chapter onward I am unfurling my experiences in the audit side of the Department in support of the title of the book,... Thereafter I am narrating  from my own experience as to how the CAG manipulates the Audit Report with false information by hiding the real facts.
From chapter 6 to 10 I am narrating how I was harassed by the administration for fighting against corruption while I was in service.
In part III I narrated how I started applying the tools under the ‘RIGHT TO INFORMATION ACT 2005’ to expose the corruption and scams that too while in service. Thereafter I took voluntary retirement with the main aim to publish this book.
The book is ending with, “Is it not both CAG and the Ministry is fooling the Parliament and thus the people of India?... ”.
For further details and purchase of the book (eBook/Paperback), go to link: www.amazon.in/dp/9352353986
Also go to my website: manjaly.net

Friday, 22 April 2016

A WELCOME JUDGEMENT FROM UTTARAKHAND HIGH COURT(updated after SC order on 22/04/2016)

By this judgement of the division bench of Uttarakhand High Court comprising Chief Justice KM Joseph and Justice VK Bisht, more than legal issues and reinstating the government, confirmed that whether Congress Government or BJP Government, both are two sides of the same coin. Both are doing the same thing as well as opposing the same thing when the other party is in power. Also both are capitalists, stand for the rich at the cost of the poor, though the Indian Constitution declares India is a socialist, democratic Republic.

Coming to the legal issues, High Court is correct in asserting its power to review any government action. All actions of the government is either issued by the President or the Governor or under their authority. Each action of the Government is subject to the review power of the High Court or Supreme Court. There are instances of declaring even the Acts signed by the President/Governor after it was passed by the respective Legislatures were struck down by the H.C./S.C.

In the instant case, the action was taken under the signature of the President under Article 356 of the Constitution of India was struck down by the High Court. This article gives power to the President to declare President’s rule subject to conditions and President is not acting on his own. Further, this declaration automatically become invalid, after two months unless further conditions such as approval of both houses of Parliament are not fulfilled. Therefore, this is equal to an ordinance passed by the President/Governor which can be questioned in the H.C./S.C. Further, the reasoning given by the High Court is also well founded, no matter what may be the outcome in case of an appeal.


Therefore, the arguments put forth on behalf of the Government in defence of their action under Article 356 are not convincing.

Also read my book: A FRAUD IN THE INDIAN CONSTITUTION :- http://www.amazon.in/FRAUD-INDIAN-CONSTITUTION-M-P-JOSEPH/dp/9352353986

My blogs/website:
www.manjaly.net
cagreport.manjaly.net                              
centralemployeesnews.manjaly.net
indiantravelexperience.manjaly.net
publiccause.manjaly.net              
https://www.facebook.com/afraudintheindianconstitution

Tuesday, 19 April 2016

2 जी घोटाला शुरू करने के बाद , 20 से अधिक वर्षों में , क्या सी. ए. जी. कर रहा था?

क्या आपको पता है, क्यों 2 जी घोटाला और कोयला घोटाले में सीएजी ऑडिट रिपोर्ट इसकी शुरुआत के 20 साल बाद आया - वह भी केवल पांच साल की अवधि के लिए? इस अवधि के दौरान दोनों यूपीए और एनडीए भारत पर शासन किया CAG इन सभी वर्षों में क्या कर रहा था ? अधिक जानने के लिए मेरी किताब a fraud in the indian constitution पढ़ें। इस पुस्तक सीएजी  विभाग ( IA&AD ) में मेरे अपने अनुभव से लिखा है। -पुस्तक खरीदने के लिए या किताबचा पुस्तक खरीदने के लिए, कृपया नीचे दिए गए लिंक पर कृपया जाएँ।  go to Link: http://www.amazon.in/dp/9352353986

Also go to my other links:
www.manjaly.net
cagreport.manjaly.net
centralemployeesnews.manjaly.net
indiantravelexperience.manjaly.net
publiccause.manjaly.net       

Saturday, 16 April 2016

NPA SCAM - A WELL PLANNED SCAM WITH THE ACTIVE KNOWLEDGE OF BANK OFFICIALS, RBI, ETC.

NPA is a well-planned scam with the active knowledge of Bank officials, RBI etc. RBI conducts periodical inspection in all banks. Is it not including checking the adequacy of the security against loan? If so what they are checking while bank inspection. This is not a new issue. Even in the middle of 1990s, I pointed out many such NPA scams while I audited the Government part of the loan schemes administered by banks when I inspected the Deposit Insurance and Credit Guarantee Corporation (DICGC), a wholly owned subsidiary of the Reserve Bank of India. But all are ‘R.I.P.’ in the cupboard of CAG of India. I am nearing completion of the second part of my book, "A FRAUD IN THE INDIAN CONSTITUTION" in which a detailed account would be incorporated on the modus operandi of the scam of bad loans (NPA) thereby sucking the financial health of the country by certain people to become rich.

N.B.:-
To read free part of my book (autobiography) ‘A FRAUD IN THE INDIAN CONSTITUTION’, go to the below link and click “LOOK INSIDE” button: http://www.amazon.in/FRAUD-INDIAN-CONSTITUTION-M-P-JOSEPH-ebook/dp/B00SQKTADY/


To know about my Blogs, Pages etc. go to my web: www.manjaly.net



Monday, 28 March 2016

FIGHT FOR A CLEAN PUBLIC ADMINISTRATION

I fought corruption and scams while in Government Service. This book ‘A FRAUD IN THE INDIAN CONSTITUTION’ is history of my fight against corruption, injustice and for a clean public administration. To publish this book, I took premature retirement ahead of more than 5 years’ service for regular retirement. In the book you can see with evidence, the reasons why the audit findings of the Comptroller and Auditor General of India (CAG) related to the notorious 2G scam, Coalgate scam etc. was published after more than 20 years of these transactions started. What CAG was doing all these years? It is nothing but another scam: ‘AUDIT SCAM’ perpetuated by none other than a Constitutional Authority – CAG. Hence the book is named so. The book is concluding, "IS IT NOT BOTH CAG AND THE MINISTRY ARE FOOLING THE PARLIAMENT AND THUS THE PEOPLE OF INDIA? NOW IT IS FOR THE PUBLIC ACCOUNTS COMMITTEE (PAC) OF THE PARLIAMENT TO TELL THE PUBLIC WHAT THEY ARE DOING WITH THESE KINDS OF AUDIT OBJECTIONS AND REPLIES BROUGHT BEFORE THEM". Really CAG is acting as a whitewashing agency. This is what I experienced during my stay in the Department.

If you are interested to read the book, go to the below link:-  Paperback is available only in India. E-Book is available internationally, through:- 

Saturday, 26 March 2016

HOW THE CAG AND THE MINISTRIES ARE FOOLING THE PARLIAMENT?

How the CAG and the Ministries are fooling the Parliament and thus the People of India? How I fixed the FINANCE MINISTRY through RTI ACT 2005? My book is an attempt to show through case study that what is submitted to the Parliament and the State Legislatures by the name 'CAG AUDIT REPORT' is full of fake and imaginary audit objections and genuine objections are not reported except in circumstances detailed in my book “A FRAUD IN THE INDIAN CONSTITUTION”. To read free part of the book  (click 'LOOK INSIDE') and to know more details, go to:- www.amazon.in/dp/9352353986 


Wednesday, 23 March 2016

LOW INTEREST RATE GOOD OR BAD?

In a country, where inflation rate is high, at low interest rate, common depositors are at a loss because their deposit is depreciated,. At the same time rich borrowers are at a benefit. because their loan is depreciated. So there is two edge to the problem. Those who are talking for low interest rates, they are advocates of borrowers. Those who are talking about high interest rate are advocates of depositors. For those who does not pay back either loan or interest, are not at all bothered about the interest rate.

[Also read my book 'A FRAUD IN THE INDIAN CONSTITUTION' : http://www.amazon.in/dp/9352353986

web: www.manjaly.net]

Saturday, 19 March 2016

DAVID & GOLIATH REPEATED - HOW I FIXED INDIAN FINANCE MINISTRY THROUGH RTI ACT 2005?

My book 'A FRAUD IN THE INDIAN CONSTITUTION' particularly from page 80 onward show how I fixed the himalayan Finance Ministry of India. After my Second Appeal under the RTI ACT 2005 and its decision by the Information Commission, they are searching for a reply to hide their blunders. It will tell you how the Finance Ministry is fooling the Parliament and thus the People of India. It will also tell you how far ministry statements reliable.

Wednesday, 2 March 2016

BUDGET 2016-17: WHY NOT START NEW BANKS WITH THE SAME MONEY INSTEAD OF FEEDING THE SCAM BANKS?

There is a proposal in the budget 2016-17 for further funding to the already scam affected banks. The amount is a staggering Rs.25,000 crore  From the recent utterances of the Finance Minister, it appears that the major necessity for the fund is to feed the public sector banks who distributed soft loans to the rich and affluent persons who have no history of repayment and know the ways and means to manage the things in their favour. For arranging this huge amount to feed the rich, poor people are being squeezed with high tax rates mainly in indirect taxes. Instead of catching the rich defaulters, who syphoned off the money to other companies and abroad, blame is shifted to the farmers who take petty loans. Is there any action taken against those people who sucked the blood of the nation by granting such soft loans as well as those are not repaying it? Why the government is silent on the issue. What is the indication of all these? Is it not robbing the poor to feed the rich? Instead of feeding the scam affected banks, why not start new banks with the same money instead of pumping it into the same banks filled with such people?

Also read my book  ‘A FRAUD IN THE INDIAN CONSTITUTION’ :( http://www.amazon.in/FRAUD-IN-THE-INDIAN-CONSTITUTION-ebook/dp/B00SQKTADY )

Also read my other blogs:
http://indiantravelexperience.manjaly.net
http://publiccause.manjaly.net
http://cagreport.manjaly.net
http://centralemployeesnews.manjaly.net

https://www.facebook.com/afraudintheindianconstitution

Tuesday, 1 March 2016

Budget 2016-17: AMNESTY FOR DOMESTIC BLACK MONEY HOLDERS

In the past also there were "a onetime compliance opportunity to escape prosecution" were declared to offer schemes to the dishonest people. The full chapter 4 of my book, "A fraud in the Indian Constitution" (www.amazon.in/FRAUD-IN-THE-INDIAN-CONSTITUTION/dp/9352353986) is dedicated in underlining with illustration how the traitors and anti-socials become patriots by going through these schemes and mocking at the honest taxpayers. These schemes also highlight the helplessness or unwillingness of any Government to check the black money - the main reason is that most of the black money holders are politicians, high level bureaucrats and their friendly businessmen. So these schemes will come hereafter also with same 'one time tag'. Otherwise how they can whiten the ill-gotten money they made through bribes, scams, corrupt practices, manipulations, etc.

Also read my other blogs on different subjects:
cagreport.manjaly.net
centralemployeesnews.manjaly.net
indiantravelexperience.manjaly.net
publiccause.manjaly.net              

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