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Wednesday, June 20, 2018

Affects Of Failure and Success

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एक लड़का था। बहुत brilliant था। सारी जिंदगी फर्स्ट आया। साइंस में हमेशा 100% स्कोर किया। ऐसे बच्चे आमतौर पर इंजिनियर बनने चले जाते हैं, सो उसका भी सिलेक्शन हो गया IIT चेन्नई  में। वहाँ से B Tech किया और आगे पढने अमेरिका चला गया। वहाँ आगे की पढ़ाई पूरी की। M.Tech बगैरह कुछ किया होगा फिर उसने यूनिवर्सिटी ऑफ़ केलिफ़ोर्निआ से MBA किया।
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अब इतना पढने के बाद तो वहाँ अच्छी नौकरी मिल ही जाती है। सुनते हैं कि वहाँ भी हमेशा टॉप ही किया, और  वहीं अमेरिका में नौकरी करने लगा। बताया जाता है कि 05 बेडरूम का घर था उसके पास।
शादी भी वहीं, चेन्नई की ही एक बेहद खूबसूरत लड़की से हो गई। बताते हैं कि ससुर साहब भी कोई बड़े आदमी ही थे, कई किलो सोना दिया उन्होंने अपनी लड़की को दहेज़ में।
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अब हमारे यहाँ आजकल के हिन्दुस्तान में इससे आदर्श जीवन की कल्पना नहीं की जा सकती। एक मनुष्य को और क्या चाहिए अपने जीवन में? पढ़ लिख के इंजिनियर बन गए, अमेरिका में सेटल हो गए, मोटी तनख्वाह की नौकरी, बीवी-बच्चे, सुख ही सुख, इसके बाद हीरो-हेरोइन के मानिंद सुखपूर्वक वहाँ की साफ़-सुथरी सड़कों पर भ्रष्टाचार मुक्त माहौल में सुखपूर्वक विचरने लगे...

.दूसरा परिदृश्य:
अब एक दोस्त हैं हमारे, भाई नीरज जाट जी। एक नंबर के घुमक्कड़ हैं, घर कम रहते हैं, सफ़र में ज्यादा रहते हैं।  ऐसी-ऐसी जगह घूमने चल पड़ते हैं पैदल ही कि बता नहीं सकते, 04-06 दिन पहाड़ों पर घूमना, trekking करना आदि उनके लिए आम बात है। एक से बढ़कर एक दुर्गम स्थानों पर जाते हैं, और फिर आके किस्से सुनाते हैं, ब्लॉग लिखते हैं। उनका ब्लॉग पढ़ के मुझे थकावट हो जाती है, न रहने का ठिकाना न खाने का ठिकाना (मानों जिंदगी ही सफ़र में हो), फिर भी कोई टेंशन नहीं। चल पड़ते हैं घूमने, बैग कंधे पर लाद के। मेरी बीवी अक्सर मुझसे कहती है कि एक तो तुम पहले ही आवारा थे ऊपर से ऐसे दोस्त पाल लिए, नीरज जाट जैसे! जो न खुद घर रहते हैं और न दूसरों को रहने देते हैं!! बहला-फुसला के ले जाते हैं अपने साथ!!!
पर मुझे उनकी घुमक्कड़ी देख सुनके रश्क होता है, कितना रफ एंड टफ है यार ये आदमी! कितना जीवट है! बड़ी सख्त जान है!
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आइए अब जरा कहानी के पहले पात्र पर दुबारा आ जाते हैं। तो आप उस इंजिनियर लड़के का क्या फ्यूचर देखते हैं लाइफ में?
क्यों, सब बढ़िया ही दीखता है? पर नहीं, आज से तीन साल पहले उसने वहीं अमेरिका में, सपरिवार आत्महत्या कर ली! अपनी पत्नी और बच्चों को गोली मारकर खुद को भी गोली मार ली! What went wrong? आखिर ऐसा क्या हुआ, गड़बड़ कहाँ हुई???
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ये कदम उठाने से पहले उसने बाकायदा अपनी wife से discuss किया, फिर एक लम्बा suicide नोट लिखा और उसमें बाकायदा justify किया अपने इस कदम को और यहाँ तक लिखा कि यही सबसे श्रेष्ठ रास्ता था इन परिस्थितयों में! उनके इस केस को और उस suicide नोट को California Institute of Clinical Psychology ने study किया है! What went wrong?
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हुआ यूँ था कि अमेरिका की आर्थिक मंदी के दौर में उसकी नौकरी चली गई! बहुत दिन खाली बैठे रहे! नौकरियाँ ढूँढते रहे! फिर अपनी तनख्वाह कम करते गए और फिर भी जब नौकरी न मिली... मकान की किश्त भी टूट गयी... तो सड़क पे आने की नौबत आ गई! बताते हैं, कुछ दिन किसी पेट्रोल पम्प पे तेल भरा! साल भर ये सब बर्दाश्त किया और फिर अंत में ख़ुदकुशी कर ली...
ख़ुशी-ख़ुशी!  उसकी बीवी भी इसके लिए राज़ी हो गई, ख़ुशी ख़ुशी!! जी हाँ लिखा है उन्होंने- हम सब लोग बहुत खुश हैं, कि अब सब-कुछ ठीक हो जाएगा, सब कष्ट ख़त्म हो जाएँगे!!!
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*इस case study को ऐसे conclude किया है experts ने :*

 This man was programmed for success but he was not trained, how to handle failure.
यह व्यक्ति सफलता के लिए तो तैयार था, पर इसे जीवन में ये नहीं सिखाया गया कि असफलता का सामना कैसे किया जाए!
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आइए ज़रा उसके जीवन पर शुरु से नज़र डालते हैं! बहुत तेज़ था पढने में, हमेशा फर्स्ट ही आया! ऐसे बहुत से Parents को मैं जानता हूँ जो यही चाहते हैं कि बस उनका बच्चा हमेशा फर्स्ट ही आए, कोई गलती न हो उस से! गलती करना तो यूँ- मानो कोई बहुत बड़ा पाप कर दिया!!! और हमेशा फर्स्ट आने के लिए वो "सब-कुछ" करने को तत्पर रहते हैं,
फिर ऐसे बच्चे चूँकि पढ़ाकू कुछ ज्यादा होते हैं सो खेलकूद, घूमना फिरना, लड़ाई-झगडा, मार-पीट, ऐसे पंगों का मौका कम मिलता है इन बेचारों को!
12 th करके निकले तो इंजीनियरिंग कॉलेज का बोझ लद गया बेचारों पर, वहाँ से निकले तो MBA और अभी पढ़ ही रहे थे की मोटी तनख्वाह की नौकरी! अब तनख्वाह मोटी तो जिम्मेवारी भी उतनी ही विशाल! यानि बड़े-बड़े targets...
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कमबख्त ये दुनिया, बड़ी कठोर है और ये जिंदगी, अलग से इम्तहान लेती है! आपकी कॉलेज की डिग्री और मार्कशीट से कोई मतलब नहीं उसे! वहाँ कितने नंबर लिए कोई फर्क नहीं पड़ता! ये जिंदगी अपना अलग question paper सेट करती है! और सवाल साले,सब out ऑफ़ syllabus होते हैं, टेढ़े मेढ़े, ऊट-पटाँग और रोज़ इम्तहान लेती है, कोई date sheet नहीं!
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एक बार एक बहुत बड़े स्कूल में हम लोग summer camp ले रहे थे दिल्ली में। Mercedeze और BMW में आते थे बच्चे वहाँ। तभी एक लड़की, रही होगी यही कोई 7-8 साल की, अचानक जोर-जोर से रोने लगी! हम लोग दौड़े, क्या हुआ भैया, देखा तो वो लड़की हल्का सा गिर गई थी। वहाँ ज़मीन कुछ गीली थी सो उसके हाथ में ज़रा सी गीली मिटटी लग गई थी और थोड़ी उसकी frock में भी!! बस!!! सो वो जार-जार रोए जा रही थी! खैर हमने उसके हाथ धोए और ये बताया कि कुछ नहीं हुआ बेटा, ये देखो, धुल गयी मिटटी  खैर साहब, थोड़ी देर में high heels पहने उसकी माँ आ गई... और उसने हमारी बड़ी क्लास लगाई कि आप लोग ठीक से काम नहीं करते हो, लापरवाही करते हो, कैसे गिर गया बच्चा, अगर कुछ हो जाता तो? इतना बड़ा हादसा, भगवान न करे किसी और के साथ हो जीवन में...!!!
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एक और आँखों देखी घटना बताता हूँ कि कैसे माँ-बाप स्वयं अपने बच्चों को spoil करते हैं!
हम लोग एक स्कूल में एक और कैंप लगा रहे थे, बच्चे स्कूल बस से आते थे। ड्राईवर ने जोर से ब्रेक मारी तो एक बच्चा गिर गया और उसके माथे पे हल्की सी चोट लग गई, यही कोई एक सेन्टीमीटर का हल्का सा कट! अब वो बच्चा जोर-जोर से रोने लगा, बस यूँ समझ लीजे, चिंघाड़-चिंघाड़ के, क्योंकि उसने वो खून देख लिया अपने हाथ पे! खैर मामूली सी बात थी, हमने उसे फर्स्ट ऐड दे के बैठा दिया! तभी, यही कोई 10 मिनट बीते होंगे, उस बच्चे के माँ बाप पहुँच गए स्कूल... और फिर वहाँ जो रोआ-राट मची... वो बच्चा जितनी जोर से रोता, उसकी माँ उससे भी ज्यादा जोर से चिंघाड़ती और एक तरफ़ उसका बाप जोर-जोर से चिल्ला रहा था, पागलों की तरह! मेरे बच्चे को सर में चोट लगी है, आप लोग अभी तक हॉस्पिटल ले के नहीं गए? अरे ये तो न्यूरो का केस है सर में चोट लगी है!!!
मेरा एक दोस्त जो वहाँ PTI था उसके साथ हम उसे एक स्थानीय neurology के हॉस्पिटल में ले गए। अब अस्पताल वालों को तो बकरा चाहिए काटने के लिए! वहाँ पर भी उस लड़के का बाप CT Scan, Plastic surgery न जाने क्या-क्या बक रहा था! पर finally उस अस्पताल के doctors ने एक BANDAID लगा के भेज दिया।
              एक और किस्सा उसी स्कूल का, एक श्रीमान जी सुबह-सुबह आ के लड़ रहे थे, क्या हुआ भैया, स्कूल बस नहीं आई, हमें आना पड़ा छोड़ने! बाद में पता चला श्रीमानजी का घर स्कूल से बमुश्किल 200 मीटर दूर, उसी कालोनी में तीन सड़क छोड़ के था और लड़का उनका 10 साल का था!!

क्या बनाना चाहते हैं आजकल के माँ-बाप अपने बच्चों को? ये spoon fed बच्चे जीवन के संघर्षों को कैसे या कितना झेल पाएँगे?

अगले परिदृश्य पर गौर फरमाएँ-
                आज से लगभग 15 साल पहले, मेरा बड़ा बेटा 4-5 साल का था, अपने खेत पे जा रहे थे हम। बरसात का season था, धान के खेतों में पानी भरा था। मेरे बेटे ने मुझसे कहा, पापा, मुझे गोदी उठा लो. मैंने कहा कुछ नहीं होता बेटा, पैदल चलो और वो चलने लगा और थोड़ी ही देर बाद पानी में गिर गया! कपडे सब कीचड में सन गए! अब वो रोने लगा, मैंने फिर कहा कुछ नहीं हुआ बेटा, उठो, वो वहीं बैठा-बैठा रो रहा था! उसने मेरी तरफ हाथ बढाए, मैंने कहा अरे पहले उठो तो और वो उठ खड़ा हुआ! मैंने उसे सिर्फ अपनी ऊँगली थमाई और वो उसे पकड़ के ऊपर आ गया। हम फिर चल पड़े। थोड़ी देर बाद वो फिर गिर गया, पर अबकी बार उसकी प्रतिक्रिया बिलकुल अलग थी। उसने सिर्फ इतना ही कहा, अर्रे... और हम सब हँस दिए, वो भी हँसने लगा... फिर अपने आप उठा और ऊपर आ गया। मुझे याद है उस साल हम दोनों बाप-बेटे बीसों बार उस खेत पे गए होंगे, वो उसके बाद वहाँ से आते-जाते कभी नहीं गिरा!

                कल मैं मेरे वह मित्र, नीरज जाट जी की करेरी झील की trekking वाली पोस्ट पढ़ रहा था। 04 दिन उस सुनसान बियाबान में रहे, जिसमें रास्ता तक का पता नहीं चलता, और वो भी  इतनी बारिश और ओला वृष्टि में, ऊपर से लेकर नीचे तक भीगे हुए, भूखे/प्यासे, न रहने का आसरा न सोने का ठिकाना!!! उस कीचड भरे मंदिर के कमरे में, उस बिना chain वाले स्लीपिंग बैग में, रात बिता के भी, कितने खुश थे वो। इतना संघर्षशील आदमी भला क्या जीवन में कभी हार मानेगा?

             कार्तिक राजाराम! जीहाँ, यही नाम था उस लड़के का। काश उसे भी बचपन में गिरने की, गिर-गिर के उठने की, बार-बार हारने की, और हार के बार-बार जीतने की ट्रेनिंग मिली होती!!!

          कठोपनिषद में एक मंत्र है, उत्तिष्ठत जाग्रत प्राप्य वरान्निबोधत। उठो जागो और लक्ष्य प्राप्ति तक आगे बढ़ते रहो। शुरू से ही अपने बच्चों को इतना कोमल, इतना सुकुमार मत बनाइए कि वो इस ज़ालिम दुनिया के झटके बर्दाश्त ही ना कर सके!!

             एक अंग्रेजी उपन्यास में एक किस्सा पढ़ा था- एक मेमना अपनी माँ से दूर निकल गया। आगे जाकर पहले तो भैंसों के झुण्ड से घिर गया, उनके पैरों तले कुचले जाने से बचा किसी तरह! अभी थोड़ा ही आगे बढ़ा था कि एक सियार उसकी तरफ झपटा! किसी तरह झाड़ियों में घुस के जान बचाई तो सामने से भेड़िए आते दिखे!! वह बहुत देर तक वहीं झाड़ियों में दुबका रहा, फिर किसी तरह माँ के पास वापस पहुँचा तो बोला, माँ, वहाँ तो बहुत खतरनाक जंगल है!!!
Mom, there is a jungle out there.

"इस खतरनाक जंगल में जिंदा बचे रहने की ट्रेनिंग अभी से अपने बच्चों को दीजिए।"

Monday, June 11, 2018

High Court Order In Gratuity Related Case

 Delhi HC order on WP filed regarding enhancing gratuity limit w.e.f 01.01.2016

* IN  THE  HIGH  COURT  OF  DELHI  AT  NEW  DELHI

             Date of Order: June 01, 2018
 
W.P.(C) 6423/2018
  LAXMI KANT SHARMA AND ORS. ..... Petitioners
Through :  Mr. R. S. Mishra and Mr. A. K. Pandey, Advocates

  versus

  UNION OF INDIA AND ORS.  ..... Respondents  Through :  Mr. Vikram Jetly, CGSC for R-1-
  4/UOI.
  Mr. H. S. Parihar & Mr. K. S. 
  Parihar, Advocates for R-6/RBI.  Mr. V. Sudeer and Mr. M. Chandra    Sekhar, Advocates for R-5.

CORAM:
HON'BLE MR. JUSTICE SUNIL GAUR

O R D E R
  (ORAL)
 
1. Petitioners’ Representations seeking the benefit of enhanced gratuity limit from `10 lacs to `20 lacs w.e.f. 1st January, 2016 stand declined vide impugned order of 7th May, 2018 [Annexure P-3 (Colly)], while noting that the enhancement of ceiling limit of the gratuity amount shall be payable w.e.f. 29th March, 2018.  In the Representations [Annexure P-2 (Colly)], petitioners had relied upon Office Memorandum of 4th August, 2016 (Annexure P-1) which grants similar benefit to Government servants w.e.f. 1st January, 2016. 

W.P.(C) 6423/2018 Page 1 of 2


2. Learned counsel for petitioners submits that even Reserve Bank of India has granted the benefit of enhanced ceiling limit of gratuity to its employees.
3. Upon hearing, I find that impugned order of 7th May, 2018
[(Annexure P-3 (colly.)] needs to be re-considered as petitioners’ plea based on Government of India’s Office Memorandum of 4th August, 2016 (Annexure P-1) was specifically taken in the Representation, has not been considered in the impugned order.
4. In light of the aforesaid, this petition is disposed of with direction to fifth respondent to re-consider petitioners’ Representation [Annexure P-2 (colly.)] and a speaking response thereto be given within a period of six weeks and the fate of Representation [Annexure P-2 (colly.)] be made known to petitioners within two weeks thereafter, so that petitioners may avail of the remedies as available in law, if need be.
5. With the aforesaid direction, this petition is disposed of.
Copy of this order be given dasti to learned counsel for the parties.


(SUNIL GAUR)
JUDGE
JUNE 01, 2018
SRwt

W.P.(C) 6423/2018 Page 2 of 2


Friday, June 8, 2018

Are Customers Really God?

This is a reply sent to PMO Administrative  wing in response to responses received from PMO on a complaints lodged on PMO led PG portal.

I acknowledge  with thanks receipt of your this mail. I hope officers concerned will at least read my complaint and not only forward it and sleep as usual.

I have posted my grievance  on pgportal many times but no fruitful  result precipitated till now. It may be case of non payment of maturity value by LIC even after lapse of more than a year or non payment of value by defaulting company Teledata informatics of 3200 states hrld despite instruction given by NSE in this regard. It may be the issue of updation of pension or it may be uniformity  in payment  of gratuity with enhanced amount of ceiling from same date 01.01.2016 to all classes or public servants.  It may be protecting public BANKS from facing disaster or stopping culture of flattery  and bribery  in matter of posting and promotion in PSU banks. It may be pertaining to  bribe based lending or politically motivated waiver of loans.

As a matter of fact , officers supposed to resolve the issue without inviting litigation are habituated and cultured to forward the matter to their junior offices and then go in deep slumber. I doubt there are even one percent officers who apply their mind and suggest solution.

I have observed this culture in majority of offices. Senior officers sit in A.C. rooms with high pitch of EGO. They feel subordinated if they give value to their customers though there is a board hanging in all offices which read as "customer is God. If fact they kick out customers as they kick out street dogs from the front of their house. LIC in particular is such a office where only agents are heard and without commission agents, a policy holder has got no say in any of their branches.

I am not demanding a loan or extra benefit in any case. I am just demanding money back on maturity. I deposited  premiums regularly to LIC for 13 years with the hope that I will get a considerable good amount on my retirement from service. 

But LIC is bent upon denying me full payment and insisting that they will pay me pension periodically.  They never explained these things when I bought the said policy. They want option letter after 13 years. 

They want bank details though the same has been registered long ago in June 2016 when I first applied for full payment  of policy likely to matured in March  2017. 

I wrote to all key offices of LIC but unfortunately  each one of them blindly  forwarded THE complaint to their branch and forwarded reply to me which they received from their branch without applying their brain and without taking a pragmatic approach. After all they are senior officers and do not have time to read all complaints. They are awakened only when there is political pressure or there is mass upsurge or violence on road or there is a strong union behind an individual complinant or there is court order after causing huge loss of image and money of  their company.

Same story applies to non payment of value of 3200 states of a company which has been delisted for trade by NSE  and in which case NSE  has directed failed company to give back Rs32.16 to shareholder for each share held by a shareholder. It is painful that the defaulting company did not pay attention to NSE or SEBI  or PMO or any authority responsible for taking care of interest of poor shareholders. No responsibility and accountability  is fixed on defaulting  company or on erring official. Totally Bhagwan Bharose.

What for so many big offices are then established in the name of public welfare or in the name of public grievance redresssl is a big question which prominent  leaders of this country has to answer.

None of complaints  lodged with PMO is so much complicated which need brains of highly talented advocates or which need intellect.. They are clear like crystal.

On Thu, 31 May 2018, 10:28 Alok Kumar, <aalok.kumar@nic.in> wrote:

Dear Madam/ sir,
 Your grievance has already been forwarded to Department of Administrative Reforms and PG (AR&PG)  for necessary action, and the same was informed to you . The contact details for grievance cases in Department of AR & PGis given below:
1.
Administrative Reforms and PGप्रशासनिकसुधारऔरलोकशिकायतविभाग
Sumita Dasgupta
Deputy Secretary
5th Floor
Sardar Patel Bhawan
Sansad Marg, New Delhi
23741006 d.sumita@nic.in

You may also consider registering your grievance on their website "pgportal.gov.in"

Jai Hind,
--
ALOK KUMAR
UNDER SECRETARY
DIRECTORATE OF PUBLIC GRIEVANCES
CABINET SECRETARIAT






Reason given by PMO after lapse of more than 8 months for closing my complaint dated 6th October 2017 is "there is no attachment ".

Reality is as follows.

Fact is narrated in full details . Copy of NSE has been pasted as it is. Details of shares held in ICICI is presented.

Company namely Teledata informatics is delisted.

I had bought 3200 shares and they were in my account till before the trading was stopped by NSE.
NSE has subsequently valued property through its agency and found that the company in default has to pay back Rs.36.11 per share to shareholders as per rule of SEBI. Matter is crystal clear.

I have asked PMO to prevail upon concerned department to force defaulting company to pay back value of shares to me as per advice of NSE?

What more clarification or attachment PMO staff want?

It appears Government is itself in dark how to deal with such subjects .or they are more concerned with closing the case rather than solving the problem raised by aggrieved person.

Or SEBI is inactive and trying to save defaulting company or PMO is trying to evade their responsibility to help shareholders cheated by the said company or else all concerned are under a conspiracy make fraud with common men or shareholders.It is as good as systemic fraud with shareholders of companies and the purpose of SEBI's existence is itself defeated.

In majority of cases referred to PMO or SEBI or any Grievance Redressal body by aggrieved persons/ shareholders is closed without any rhyme or reason .

It is clear like crystal that persons sitting in PMO are also working as employees are working in bad companies or in bad departments or in bad banks or in bad insurance companies or bad PSUs. Common men gets no relief from any corner.

We common men are helpless , totally at mercy of God because people sitting at higher post or at post meant for giving relief to people in pain are rather aggravating the pain of common men.

Yours faithfully
Danendra Kumar Jain

I am submitting copy of Reply received from PMO


Status as on 27 May 2018
Registration Number:PMOPG/E/2017/0541814
Name Of Complainant:danendra Jain
Date of Receipt:06 Oct 2017
Received by:Prime Ministers Office
Forwarded to:Securities and Exchange Board of India
Contact Address:SEBI Bhawan, Plot No. C4-A,
G Block, Bandra Kurla Complex,
Bandra (E), Mumbai400051
Contact Number:022-26441994
Grievance Description:Several years ago I had purchased shares of Teledata Informatics totalling to 3200. Later , due to some reason or the other SEBI got this company delisted. Trading stopped on NSE and BSE. After so many years I got a following email from NSE .
 You are holding 3200 shares of Teledata Informatics Limited (INE480B01022) as on 15-Jun-17 in your demat account (IN302902-42345384) opened with NSDL through ICICI Bank Limited We would like to bring to your notice that National Stock Exchange (NSE) has delisted (withdrawn the admission to dealings in) equity shares of the said company i.e. Teledata Informatics Limited with effect 24-Mar-17 . Further, NSE has also issued a Public Notice that the value of the equity shares of the company is arrived at Rs. 36.11 per share after valuation conducted by empanelled valuers as per SEBI Delisting Regulations, 2009. 
 You may note that the onus of giving exit option to you, being the public shareholder, is on the promoters of the Company wherein you hold the delisted equity shares. Exchange has put its sincere efforts to ascertain name and address of promoters of your Company. The names and addresses to the extent available with the Exchange are mentioned in the public notice.  You may contact the promoters of your company mentioned in the public notice dated March 04, 2017. Public notice is available on NSEIL website. The path to access the public notice is given below for your ready reference: After receipt of said letter I sent emails to all concerned several times but neither ICICI nor Teledata company nor NSE or others took any step to help me in getting payment from the company for 3200 shares held by me and for which value fixed by the system is Rs36.11 per share. I had bought shares when I was posted in UP. After incurring huge loss I reduced trading and stopped for many months .Now after knowing that I am entitled for getting money for 3200 shares at the rate of Rs.36.11 per share , I wrote to all offices but none of them took drastic action to force the defaulting company to pay me money . I therefore request you to let me know the exact authority who are responsible to ensure compliance from defaulting company , at least those orders which has been issued by NSE or BSE india or SEBI or you. There are thousands of such companies in the country who cheat investors and then close operation . SEBI or NSE delist such companies . They should help investors in getting money back. Let me know which department will help me . I have heard nothing from the company Teledata. Please let me know what I have to do to exit and get payment of share held by me. Since ICICI securities did not change my address in demat account despite several requests , I stopped operation from that account.  Now I am endorsing a copy of this letter to ICICI too. I have seen the notice at NSE website as directed by you , but I could not understand how to proceed for receiving payment.  Since the said notice does not contain email address of the aforesaid company , I am unable to endorse copy to them . I have however sent mails to email addresses of the company available in Google search but all these mail returned back to me. I hope either NSE India or SEBI or Ministry of Finance will take appropriate action to ensure that appropriate amount of refund is given to me by the company which has been delisted and whose value has been decided by SEBI as Rs.36.11 per share.
Current Status:CASE CLOSED
Date of Action:21 Dec 2017
Details:There is no attachment received with this complaint. Hence the complaint is being treated as closed. However the complainant may like to file a fresh complaint with necessary details.


Another Case Disposed off by PMO with no solution after one year. I have asked for full payment of my matured LIC policy but LIC officers are bent upon giving me pension.  There was no word such as pension in policy I had bought 13 years ago.


It is very painful and sad that you have simply heard the views of officers of  LIC offices and pasted it here without verifying the reality and rule of justice . You appear to have turned blind eyes towards what I mentioned in my grievance.During last 15 months I have written several mails to almost all dignitories but unfortunately all are birds of same feather. You have ignored the fact that I am demanding full payment and LIC is ready to give only monthly pension. 

You have ignored the fact that LIC accepts premium at all branches and through online but while making payment insist for completion of formalities like option paper submission only in branch where from policy was bought. 

You have ignored why Ombudsman post is vacant at Chandigarh for more than six month. 

You have ignored that Government insist for reduction in litigation in govt departments whereas office of Ombudsman suggest filing a case in court of law . 

Public Grievance Redressal department formed at several levels and in different offices manned by senior officials is meant for listening to pain of customers but in fact they are listening only and only what LIC or their mentors  are saying. 

This is why people of India have lost trust on all departments run by Government and all PSUs . 

Banks have incurred losses to the tune of thousands and  lakhs of crores of rupees but government is not worried. I have been writing on this point for last ten years to prominent offices but no one heard and no one peeped into and looked into reality . Every bank has incurred loss this year and government officials are not worried. After all it is tax payers money. There is no doubt that in few years LIC too will be exposed like AIG in USA.

None of staff or Officers are subjected to any  penal action. This is why they blindly follow and accept what their department bosses writes to them and they treat all customers as slaves. This culture is against Justice . expenses incurred in establishing such offices are burden on taxpayers. 

Now only God can punish those officers who are heartless and who are insensitive to pain of common men, There is no doubt that all these officers will suffer pain as consequence of their sins. I however pray God will give them mental peace and happiness. God bless you. 

It is ironical that government waives loans given to defaulters are waived whereas deposits made by common men like me are withheld on flimsy ground. This is peak of injustice. God will do justice sooner or later. 

I however beg excuse for inconvenience caused to you by my mails sent to you with the expectation that I will get back my money from LIC which I deposited for last 13 years. LIC will earn and I will suffer loss. It is 


Registration Number:PMOPG/E/2018/0209011
Name Of Complainant:Danendra Kumar Jain
Date of Receipt:05 May 2018
Received by:Prime Ministers Office
Forwarded to:Life Insurance Corporation of India
Contact Address:5th Floor, (Link), Yogakshema,
Jeevan Bima Marg,
Mumbai400021
Contact Number:02266598354
Grievance Description:This refers to POLICY NO 283453384 and my complain to PMO with number as PMOPG/E/2018/0158937 regarding non payment of matured policy by LIC and insurance of paying pension by LIC to me. I have submitted my grievance to almost all possible dignitaries supposed to be solution provider. Unfortunately all are acting as forwarding agent. It may be PMO or IRDA or Ombudsmen or LIC Chairman or their zonal office. They forward the complain to their juniors in order of hierchy and ultimately it reaches to branch. And Branch has a stereo type response. None of them has tried to UNDERSTAND my pain, my problem and what I want. I want full payment of my policy matured on March 2017. None of them appear to have read it and none has used brain to understand what I have expressed. They either ignore the complaint or forward it to their juniors. This is their well established and deep rooted culture. They work as lifeless machines. They do not act as managers but act as dead machines and hence totally insensitive to pain of customers. So many cells have been formed at various levels to give relief to unhappy customers. But it is painful that they all act as pain aggravators. They waste valuable time of aggrieved customers as well as that of their employers but seldom give any relief. They however know the art of closing all cases of complaints register with them. They show no pending complaints and claims pending . They know the art of fabricating attractive statistics on pendency of complaints but do not like to solve the issue at all. LIC offices act only for their commission agents who brings business and who provide share in commission they earn by cheating customers by presenting false picture in favour of customers. Even after lapse of more than a year since I started correspondence I.e.from May 2016, but Metter lies where it was in the beginning. LIC is bent upon paying periodical pension and I need full payment of matured policy. This is the character of Indian bureaucracy inherited from British government. Everybody preaches sermons for others to serve customers as God but in practice almost all are indifferent to pain of customers. They all are full of Ego. They are busy in protecting their false and self created image. People at large are fed up with this culture of indifference prevalent in all departments run by government directly or indirectly. People prefer private banks, private insurers. Private fliers, private hospitals, private telecom service providers and so on. All these govt departments are in losses or in dead like health and are burden on public fund and taxpayers money. People hate government employees only due to this dirty culture. Our respected Prime Minister says that government departments must try to solve issues related to common men at their level and avoid litigation. But it is sad that even office of Ombudsmen suggest filing a case in court of law . No rays of hope is visible . Even after knocking doors of all except Human Right Commission or judiciary , no fruitful result has emerged. Government acts only after that there is public outrage, violence, arsoning like extreme reactions . But individuals like me are totally helpless and have to bear with reign of injustice. God bless you all. With regards Thank you all Danendra Jain
Current Status:CASE CLOSED
Your Feedback:
Poor
Date of Action:18 May 2018
Details:We have sent the attached mail dated 18.05.2018 to the policyholder advising him for an early submission of Option Form at the service branch office. So that annuity may be
---

Wednesday, May 30, 2018

Unsatisfactory Response By PMO On Cases Lodged

Reason given by PMO after lapse of more than 8 months for closing my complaint dated 6th October 2017 is "No attachment is found".

Reality is as follows.

Fact is narrated in full details . Copy of NSE has been pasted as it is. Details of shares held in ICICI is presented.

Company namely Teledata informatics is delisted.

I had bought 3200 shares and they were in my account till before the trading was stopped by NSE.
NSE has subsequently valued property through its agency and found that the company in default has to pay back Rs.36.11 per share to shareholders as per rule of SEBI. Matter is crystal clear.

I have asked PMO to prevail upon concerned department to force defaulting company to pay back value of shares to me as per advice of NSE?

What more clarification or attachment PMO staff want?

It appears Government is itself in dark how to deal with such subjects .or they are more concerned with closing the case rather than solving the problem raised by aggrieved person.

Or SEBI is inactive and trying to save defaulting company or PMO is trying to evade their responsibility to help shareholders cheated by the said company or else all concerned are under a conspiracy make fraud with common men or shareholders.It is as good as systemic fraud with shareholders of companies and the purpose of SEBI's existence is itself defeated.

In majority of cases referred to PMO or SEBI or any Grievance Redressal body by aggrieved persons/ shareholders is closed without any rhyme or reason .

It is clear like crystal that persons sitting in PMO are also working as employees are working in bad companies or in bad departments or in bad banks or in bad insurance companies or bad PSUs. Common men gets no relief from any corner.

We common men are helpless , totally at mercy of God because people sitting at higher post or at post meant for giving relief to people in pain are rather aggravating the pain of common men.

Yours faithfully
Danendra Kumar Jain

I am submitting copy of Reply received from PMO



Status as on 27 May 2018
Registration Number:PMOPG/E/2017/0541814
Name Of Complainant:danendra Jain
Date of Receipt:06 Oct 2017
Received by:Prime Ministers Office
Forwarded to:Securities and Exchange Board of India
Contact Address:SEBI Bhawan, Plot No. C4-A,
G Block, Bandra Kurla Complex,
Bandra (E), Mumbai400051
Contact Number:022-26441994
Grievance Description:Several years ago I had purchased shares of Teledata Informatics totalling to 3200. Later , due to some reason or the other SEBI got this company delisted. Trading stopped on NSE and BSE. After so many years I got a following email from NSE .
 You are holding 3200 shares of Teledata Informatics Limited (INE480B01022) as on 15-Jun-17 in your demat account (IN302902-42345384) opened with NSDL through ICICI Bank Limited We would like to bring to your notice that National Stock Exchange (NSE) has delisted (withdrawn the admission to dealings in) equity shares of the said company i.e. Teledata Informatics Limited with effect 24-Mar-17 . Further, NSE has also issued a Public Notice that the value of the equity shares of the company is arrived at Rs. 36.11 per share after valuation conducted by empanelled valuers as per SEBI Delisting Regulations, 2009. 
 You may note that the onus of giving exit option to you, being the public shareholder, is on the promoters of the Company wherein you hold the delisted equity shares. Exchange has put its sincere efforts to ascertain name and address of promoters of your Company. The names and addresses to the extent available with the Exchange are mentioned in the public notice.  You may contact the promoters of your company mentioned in the public notice dated March 04, 2017. Public notice is available on NSEIL website. The path to access the public notice is given below for your ready reference: After receipt of said letter I sent emails to all concerned several times but neither ICICI nor Teledata company nor NSE or others took any step to help me in getting payment from the company for 3200 shares held by me and for which value fixed by the system is Rs36.11 per share. I had bought shares when I was posted in UP. After incurring huge loss I reduced trading and stopped for many months .Now after knowing that I am entitled for getting money for 3200 shares at the rate of Rs.36.11 per share , I wrote to all offices but none of them took drastic action to force the defaulting company to pay me money . I therefore request you to let me know the exact authority who are responsible to ensure compliance from defaulting company , at least those orders which has been issued by NSE or BSE india or SEBI or you. There are thousands of such companies in the country who cheat investors and then close operation . SEBI or NSE delist such companies . They should help investors in getting money back. Let me know which department will help me . I have heard nothing from the company Teledata. Please let me know what I have to do to exit and get payment of share held by me. Since ICICI securities did not change my address in demat account despite several requests , I stopped operation from that account.  Now I am endorsing a copy of this letter to ICICI too. I have seen the notice at NSE website as directed by you , but I could not understand how to proceed for receiving payment.  Since the said notice does not contain email address of the aforesaid company , I am unable to endorse copy to them . I have however sent mails to email addresses of the company available in Google search but all these mail returned back to me. I hope either NSE India or SEBI or Ministry of Finance will take appropriate action to ensure that appropriate amount of refund is given to me by the company which has been delisted and whose value has been decided by SEBI as Rs.36.11 per share.
Current Status:CASE CLOSED
Date of Action:21 Dec 2017
Details:There is no attachment received with this complaint. Hence the complaint is being treated as closed. However the complainant may like to file a fresh complaint with necessary details.


Another Case Disposed off by PMO with no solution after one year. I have asked for full payment of my matured LIC policy but LIC officers are bent upon giving me pension.  There was no word such as pension in policy I had bought 13 years ago.



It is very painful and sad that you have simply heard the views of officers of  LIC offices and pasted it here without verifying the reality and rule of justice . You appear to have turned blind eyes towards what I mentioned in my grievance.During last 15 months I have written several mails to almost all dignitories but unfortunately all are birds of same feather. You have ignored the fact that I am demanding full payment and LIC is ready to give only monthly pension. 

You have ignored the fact that LIC accepts premium at all branches and through online but while making payment insist for completion of formalities like option paper submission only in branch where from policy was bought. 

You have ignored why Ombudsman post is vacant at Chandigarh for more than six month. 

You have ignored that Government insist for reduction in litigation in govt departments whereas office of Ombudsman suggest filing a case in court of law . 

Public Grievance Redressal department formed at several levels and in different offices manned by senior officials is meant for listening to pain of customers but in fact they are listening only and only what LIC or their mentors  are saying. 

This is why people of India have lost trust on all departments run by Government and all PSUs . 

Banks have incurred losses to the tune of thousands and  lakhs of crores of rupees but government is not worried. I have been writing on this point for last ten years to prominent offices but no one heard and no one peeped into and looked into reality . Every bank has incurred loss this year and government officials are not worried. After all it is tax payers money. There is no doubt that in few years LIC too will be exposed like AIG in USA.

None of staff or Officers are subjected to any  penal action. This is why they blindly follow and accept what their department bosses writes to them and they treat all customers as slaves. This culture is against Justice . expenses incurred in establishing such offices are burden on taxpayers. 

Now only God can punish those officers who are heartless and who are insensitive to pain of common men, There is no doubt that all these officers will suffer pain as consequence of their sins. I however pray God will give them mental peace and happiness. God bless you. 

It is ironical that government waives loans given to defaulters are waived whereas deposits made by common men like me are withheld on flimsy ground. This is peak of injustice. God will do justice sooner or later. 

I however beg excuse for inconvenience caused to you by my mails sent to you with the expectation that I will get back my money from LIC which I deposited for last 13 years. LIC will earn and I will suffer loss. It is 


Registration Number:PMOPG/E/2018/0209011
Name Of Complainant:Danendra Kumar Jain
Date of Receipt:05 May 2018
Received by:Prime Ministers Office
Forwarded to:Life Insurance Corporation of India
Contact Address:5th Floor, (Link), Yogakshema,
Jeevan Bima Marg,
Mumbai400021
Contact Number:02266598354
Grievance Description:This refers to POLICY NO 283453384 and my complain to PMO with number as PMOPG/E/2018/0158937 regarding non payment of matured policy by LIC and insurance of paying pension by LIC to me. I have submitted my grievance to almost all possible dignitaries supposed to be solution provider. Unfortunately all are acting as forwarding agent. It may be PMO or IRDA or Ombudsmen or LIC Chairman or their zonal office. They forward the complain to their juniors in order of hierchy and ultimately it reaches to branch. And Branch has a stereo type response. None of them has tried to UNDERSTAND my pain, my problem and what I want. I want full payment of my policy matured on March 2017. None of them appear to have read it and none has used brain to understand what I have expressed. They either ignore the complaint or forward it to their juniors. This is their well established and deep rooted culture. They work as lifeless machines. They do not act as managers but act as dead machines and hence totally insensitive to pain of customers. So many cells have been formed at various levels to give relief to unhappy customers. But it is painful that they all act as pain aggravators. They waste valuable time of aggrieved customers as well as that of their employers but seldom give any relief. They however know the art of closing all cases of complaints register with them. They show no pending complaints and claims pending . They know the art of fabricating attractive statistics on pendency of complaints but do not like to solve the issue at all. LIC offices act only for their commission agents who brings business and who provide share in commission they earn by cheating customers by presenting false picture in favour of customers. Even after lapse of more than a year since I started correspondence I.e.from May 2016, but Metter lies where it was in the beginning. LIC is bent upon paying periodical pension and I need full payment of matured policy. This is the character of Indian bureaucracy inherited from British government. Everybody preaches sermons for others to serve customers as God but in practice almost all are indifferent to pain of customers. They all are full of Ego. They are busy in protecting their false and self created image. People at large are fed up with this culture of indifference prevalent in all departments run by government directly or indirectly. People prefer private banks, private insurers. Private fliers, private hospitals, private telecom service providers and so on. All these govt departments are in losses or in dead like health and are burden on public fund and taxpayers money. People hate government employees only due to this dirty culture. Our respected Prime Minister says that government departments must try to solve issues related to common men at their level and avoid litigation. But it is sad that even office of Ombudsmen suggest filing a case in court of law . No rays of hope is visible . Even after knocking doors of all except Human Right Commission or judiciary , no fruitful result has emerged. Government acts only after that there is public outrage, violence, arsoning like extreme reactions . But individuals like me are totally helpless and have to bear with reign of injustice. God bless you all. With regards Thank you all Danendra Jain
Current Status:CASE CLOSED
Your Feedback:
Poor
Date of Action:18 May 2018
Details:We have sent the attached mail dated 18.05.2018 to the policyholder advising him for an early submission of Option Form at the service branch office. So that annuity may be

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