You have heard that the :
> Jan Dhan
Yojana completed one year on 28 Aug 2015
> By creating
some 17.5 crore accounts during this period , it became ,
" World's largest financial inclusion " scheme
> There was
no need to have a minimum " Bank Balance " to open account
> Zero bank
balance accounts declined from 76% to 45% in last year
> Bank
Overdraft of Rs 5000 allowed after 6 months
> Of 10 lakhs
a/c qualifying for overdraft , 1.65 lakh have used it
By all accounts , this Yojana ( Scheme ) is all set to
bring about a revolution in the matter of financial transactions of the poor
people of India
Especially thru the use of RuPay Debit cards , every
time these poor buy any goods or services from a local " Kirana "
shop ( except that 99.99 % of these small local shops don't have card-readers !
)
In the meantime , there are a few other " Game
Changing
" revolutions
shaping up
These are :
> RBI
permissions to some 20 Organizations to start " Payment
Banks
"
( Including
Mobile Service Providers / India Post / PayTM etc )
> Launch of a
large number of " Hyper Local " e-commerce
firms which
deliver goods
/ services to local residents, placing orders thru mobile apps
> Launch of quite
a few " Mobile Wallet " apps, tied up with
no of banks
and millions
of small shop-keepers , all over the country
> Last - and
most important - expected launch of GST in April 2016
Can we seize this opportunity to " Synergize
" these parallel changes ?
It seems , not only possible , but outright
essential !
By launching , Jan
Dhan Sarjan Yojana
(
People's Wealth Creation Scheme )
As follows :
> If GST is
going to be ( say ) 20 % , Government will transfer from this ,
2 % ( ie 10
% of that 20 % ) , to the PPF account of the Consumer /
Buyer , who
pays for the Goods / Services purchased , using a RuPay
Card or a
" Mobile
Wallet
" app
This will
motivate millions of self - employed to open PPF accounts !
> Since interest
from a PPF
account is tax-free , every citizen would , now
want to make
all payments thru RuPay card or a Mobile Wallet App
> RuPay
cards are already tied up with accounts opened under Jan Dhan
Yojana
> Mobile
Wallets Apps will also get tied-up with thousands of branches of
Payment
Banks , which will open in next 18 months
Just imagine
the number of new accounts that will get opened in the
1,55,000 +
post offices of India Post !
> In this
way , Social Security will become " Self Financing " !
> Currently
, in India , some 97 % of all payments are " Cash Payments ".
With
introduction of this proposal , these will drastically decline
> Any
payment made , using RuPay card or a Mobile Wallet App , will make
available to
the Income Tax Department , full digitized record of each
such transaction , including :
* Who made the payment
* To whom was
that payment made
* When
was that payment made
* For what
purchase , was that payment made
* What was the amount
paid
> One , very
desirable consequence of Jan
Dhan Sarjan Yojana
will be that our " Domestic
Savings Rate " will climb back to 30 % !
In turn , this will help us wither global
economic crisis , much better !
I have a feeling that my proposal will be welcomed by
all sections of our Society and find overwhelming support for the passing of
the GST bill by all political parties
-------------------------------------------------------------------------------------
hemen parekh
31 August 2015
B2BmessageBlaster
-------------------------------------------------------------------------------------
-------------------------------------------------------------------------------------
Make
Yourself Heard
Dear Visitor :
It is time for YOU to speak up - and demand that YOU
are heard
By emailing this suggestion - incorporating your OWN
improvements - to the following Policy Makers
( Just multiple
copy all the following Email IDs into the Recipient column of your Outlook and
Copy / paste this suggestion in the Message Box ) :
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d.pradhan@sansad.nic.in; rprudy.office@gmail.com; rudypr@rediffmail.com;
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rao.inderjit@sansad.nic.in; mljoffice@gov.in; sadananda.gowda@sansad.nic.in;
ministerminority@gov.in; najmah@sansad.nic.in; minister-ca@nic.in;
ramvilas.paswan@sansad.nic.in; gandhim@sansad.nic.in;
akumar-alpha@sansad.nic.in; jpnadda@sansad.nic.in; hm.moca@nic.in;
geete@sansad.nic.in; simratbadal@yahoo.com; ns.tomar@nic.in;
rmsingh@sansad.nic.in; tc.gehlot@sansad.nic.in;
dr.harshvardhan@sansad.nic.in
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