Hi Friends,

Even as I launch this today ( my 80th Birthday ), I realize that there is yet so much to say and do. There is just no time to look back, no time to wonder,"Will anyone read these pages?"

With regards,
Hemen Parekh
27 June 2013

Now as I approach my 90th birthday ( 27 June 2023 ) , I invite you to visit my Digital Avatar ( www.hemenparekh.ai ) – and continue chatting with me , even when I am no more here physically

Wednesday, 19 July 2023

Citizen’s Charter of Demand - V 2.0

 


 

Context :

British Political Candidate uses Artificial Intelligence to draw up Election Manifesto … AP News.. 19 July 2023

Extract :

British voters face a crowded field of 13 candidates in an upcoming special election for a Parliament seat. One, independent Andrew Gray, used artificial intelligence to come up with campaign promises that he says reflect what residents want. / andrew@andrew-gray.org

 

Gray, who says he has no policies of his own, crowdsourced constituents’ sentiments and used machine learning to come up with his political manifesto. He calls the technology a faster and fairer way for politicians to widely reflect views of the people they represent.

·        Introduction

·        Policies

– Economy
– Foreign Affairs
– Environment
– NHS
– Constitution

·        Appendix

We can interact with our constituents in a whole new way,” Gray said. “It doesn’t change necessarily the role of the representative. It just means that we kind of know what’s going on much more quickly and we can represent them more fairly.”

Gray’s policies, developed with the use of Pol.is software, include a call for :

# higher taxes,

# a radical overhaul of the state-funded National Health Service and

# closer ties with the European Union, which Britain left three and half years ago.

 

Pol.is, developed by a Seattle group a decade ago, has notably been used in Taiwan to find policy solutions to deadlocked issues.


Gray says Pol.is “isn’t ChatGPT,” one of the new generative AI systems that has dazzled users with the ability to produce text, images and video mimicking human work. “It’s just slightly more sophisticated polling than what is already happening.”


The A.I. isn’t that clever that it can spit out exactly what the policies are,” he says, and still needs “human moderation and ... analysis of what would be a sensible policy position.”


Gray uses Pol.is to canvas residents on local issues through his website.


People can comment on a topic, such as internet speeds. Other users can click “agree,” “disagree” or “pass/unsure.” They can’t respond directly but can post their own comments.


As the conversation builds, Pol.is uses machine learning in real time to group the statements, mapping them out to show where there are gaps between viewpoints as well as areas of agreement, which ideally can encourage consensus.


With the election expected to be hard-fought between the main U.K. parties, Gray is realistic about his chances. But if elected, Gray plans to use the technology to take his district’s temperature on a weekly basis.” If he loses, he’ll share the data with whoever wins.


More than 7,500 votes have been cast on Gray’s platform, though he acknowledges the actual number of voters is likely far smaller because each one typically votes “tens of times” on multiple statements.


Keegan McBride, an expert on digital transformation and government at the Oxford Internet Institute who has worked with Pol.is, said the technology is useful for building consensus but works better when the more users are involved.


Pol.is could still work with as little as 100 to 200 users, but it raises the question of whether it’s sustainable, McBride said.


“Do you really want your whole platform to be decided by 100 or 200 people?” he said.


Gray bills himself as the first candidate in the U.K. and possibly the world using AI to reflect voters’ views, but McBride points to parties across Europe that have used digital platforms to bring democracy to the masses — with mixed results.


″You see a whole lot of this techno-utopian type view on democracy,” McBride said. But “democracy isn’t going to be fixed by a new technology or a new digital system or artificial intelligence or anything like that, because it’s not a technological problem. It’s a sociological one.”


“And it’s much more complex than just using a new tool,” he added.

 

 

MY  TAKE :


In the past , both BJP and Congress , have made some ( feeble ) attempts to

conduct Opinion Polls / Surveys among citizen ( just before 2014 and 2019

National Elections ), to find out what they would like implemented when a new

govt forms after the elections


Both parties claim to have incorporated into their Election Manifestos , citizens

demands , revealed by surveys


Unfortunately , there has been no “ Online Publication “ of these so-called

DEMAND SURVEYS – nor even online publication of the actual FORMATS of the

Survey Questionnaires ( yes – no / true – false / agree – disagree / multiple

choice etc )


And then, I am not aware of any of our 542 Lok Sabha members ( MPs ), to have

bothered to ( formally ) ask the voters :


“ If elected , I promise to introduce into the Lok Sabha, legislation which fulfills

 your needs . Please , visit my website and fill in the Demand Survey “


This made me publish following blog , some 5 YEARS ago :


Ø  Citizen’s Charter of Demand  …………… 29 Oct 2018

 

Extract :


Dear Voters ,

 

For letting the politicians take us for a ride , we have no one to blame but ourselves  !

 

We have miserably failed in coming up with a citizen’s 

 

“ CHARTER  OF  DEMAND “, which :

 

·         Lists our demands

 

 ·         Groups these into,

 

#  Urgent but not Important

 

#  Important but not Urgent

 

#  Both , Urgent as well as Important

 

  

·   Devise / launch a Mobile App to solicit citizen’s response to the above , with

    PRIORITY RATING for each listed item ( 1 = Low  /  2 = Medium  /  3 = High )

  

·   Then arrange in descending order of priorities

 

 ·         For each item , lays down “ Quantified / Measurable “ targets , with target

           dates

 

 ·         Send this CHARTER of DEMAND to each political party , insisting that the

           Party comes out with a public statement , accepting to implement the

           Charter ( if voted to power , of course ) and also publish this on its web

           site

  

Charter will begin with following “ Declaration of Intent “ :

 

 “  We the people of India , submit the following Charter of Demands to the

    political parties contesting 2019 General Election and ask them to accept the

    same for  implementing , if voted to power

   

   

   We will not vote for those parties which refuse to accept this charter

 

   However , if several parties accept this Charter , citizens will vote for those

   parties and their candidates , who will begin their every Election Rally Speech

   with re-affirmation of its acceptance

   

   

    Once a party has accepted the Charter prior to the election , it will need to

    publicly   confirm its support to its implementation , even if it fails to form the

    government and sits in the opposition. “

   


Using the same Mobile App, every quarter , compile citizen feedback on their

perception of “ Actual Achievement %age as against Target “ and provide this

FEEDBACK of People’s perception , to the government

 

 

       

With regards,

 

Hemen Parekh

 

www.hemenparekh.ai  /  20 July 2023

 ==================================================

 

I urge the following office bearers of ,

 

ASSOCIATION  for  DEMOCRATIC  REFORMS ,  [  ADR  ]

 

to consider implementing my suggestion, if found to be desirable

 

I had sent to them , this email 5 years ago . I repeat my request in light of

National Election due in Feb 2024



While considering my request , ADR officials may want to study the following

TABULATION , prepared at my request, by ChatGPT :

===============================================


Thank you for providing more context from your blog post. Based on the

information you provided, I can now create a more relevant comparative

tabulation between Andrew Gray's approach (using Pol.is software) and Hemen

Parekh's proposed approach for finding voters' demands.

ParameterAndrew Gray's Approach (Pol.is)Hemen Parekh's Proposed Approach
Implementation MethodUtilizes Pol.is software, which allows constituents to express sentiments and opinions on various topics through a website.Proposes the development and launch of a Mobile App to solicit citizen responses to a Charter of Demands with priority ratings.
Data CollectionUses machine learning and real-time analysis to group statements and identify areas of consensus and disagreement.Provides citizens with a structured survey format, collecting quantified and measurable demands with priority ratings.
RepresentativenessClaims to reflect the views of constituents widely through AI-generated campaign promises.Empowers citizens to directly express their demands and priorities through the Charter of Demands.
User EngagementAllows constituents to comment and express agreement, disagreement, or pass/unsure on various topics.Involves citizens in the process of defining demands, target dates, and priorities using the Mobile App.
Election ManifestoUtilizes the AI-generated manifesto based on the collected sentiments.Publishes the Citizen's Charter of Demand, which includes quantified demands, and targets for political parties to accept if voted to power.
AccountabilityPlans to take the district's temperature on a weekly basis if elected and share data with the winning candidate if not successful.Provides quarterly citizen feedback on the government's actual achievement percentage compared to the set targets.
User BaseMore than 7,500 votes cast on Gray's platform, though the actual number of voters may be smaller due to multiple voting on statements.Seeks citizen input through the Mobile App, potentially engaging a broader and diverse audience.
Long-term ViabilityThe effectiveness of Pol.is may depend on a larger number of users' involvement for building consensus.The sustained use of the Mobile App may depend on user engagement and ongoing promotion.
Perceived ValueSeen as a faster and fairer way for politicians to represent constituents' views.Seeks to give citizens a strong voice in the political process and influence party agendas.
Technological AspectUtilizes machine learning and data analysis to process sentiments expressed by constituents.Incorporates AI technology for data collection and organization, but human moderation and analysis still required.
AdvantagesAndrew Gray's Approach (Pol.is)Hemen Parekh's Proposed Approach
Example AdvantageEfficiently identifies areas of consensus and disagreement among constituents.Empowers citizens with a direct say in formulating demands and priorities.
Another AdvantageUtilizes AI technology to analyze and process large amounts of data.Provides a structured format for collecting quantified and measurable demands.
DisadvantagesAndrew Gray's Approach (Pol.is)Hemen Parekh's Proposed Approach
Example DisadvantagePotential challenges in achieving a representative sample size for effective consensus-building.The success of the Mobile App's long-term viability may depend on user engagement.
Another DisadvantageThe AI-generated manifesto may still require human moderation for sensible policy positions.Requires political parties' commitment to implement the Charter if voted to power.

Please note that this comparison is based on the context provided, and some parameters may be more specific or nuanced in the actual blog post. If you have additional details or specific data to incorporate, feel free to let me know, and I can further refine the comparison.

 

 ==============================================


Maj. Gen. Anil Verma (Retd.)  
+91-88264-79910
anilverma@adrindia.org

  

Mr. Jaskirat Singh
+91-93160-84953
jaskirats@gmail.com

 

Mr. Rakesh Reddy Dubbudu
+91-98854-19012
rakesh@bhumi.in

 

Dr. Nani Bath
+91-94369-52143
nanibath@rediffmail.com

 

Mr. Tasaduk Ariful Hussain
+91 361 2338-888
+91-94350-54775
arif@nestinfo.org

 

Mr. Rajiv Kumar
+91-93343-76048
+91-96319-76889 
rajivkumar_patna@rediffmail.com

 

Mr.Gautam Bandyopadhyay
+91-0771 4064-328
+91-98261-71304 
gautamraipur@gmail.com

 

Mr. Bhasker Assoldekar
+91-98203-53159
vibhanatural@hotmail.com

 

Ms Pankti Jog
+91-9909006791
jogpankti@gmail.com

 

Mr. Jaskirat Singh
+91-93160-84953
jaskirats@gmail.com

 

Mr. O.P. Bhuraita
+91 8894164165
opbhuraita@gmail.com   Or   opbhuraita@rediffmail.com

 

Mr. V.K. Malik
+91 9418150001
vinodkmalik@hotmail.com

 

Ms. Abha Bhaiya
+91 9468768872
abhabhaiya@gmail.com

 

Mr. Bhim Singh
+91 9418073190
bhimsingh1975@gmail.com

 

Mr. Sanjay Choudhary
+91 94184-94041
+91 8679209350
choudharysanjay90@yahoo.com

 

Mr. Balvinder Singh
+91-94191-95295
sangarshrtimovement@gmail.com

 

Dr Shaikh Ghulam
+918803943048
drshaikhgr@gmail.com

 

Mr. Sudhir Pal
+91-0651 2202-202
+91-94311-07277
manthanindia@gmail.com

 

Prof. Trilochan Sastry
+91-94483-53285
 
trilochan@iimb.ac.in 

 

Dr. R. Balasubramaniam
+91-94480-79611
drrbalu@gmail.com

 

Mr. Harish Narasappa
+91-98860-27804
harish@dakshindia.org

 

Mr. Vasudev Sharma
+91-94484-72513
vadeshanv@gmail.com

 

Ms. Kathyayini Chamaraj
+91-97318-17177
kchamaraj@gmail.com

 

Mr. Gururaja Budhya
+91-94488-49353
gururajabudhya@gmail.com

 

Mr T. Ravindran
+91-93493-33458
ravindran.trn@gmail.com

 

Ms. Rolly Shivhare
+91 9425466461
shivhare.rolly@gmail.com

 

Ajit Ranade
+91-97022-15312
ajit.ranade@adrindia.org

 

Mr. Sharad Kumar

+91 9869 403721
sharadkumar40@gmail.com

 

Mr Miranjan Loitongbam
+91 9089342028
miranjan@gmail.com

 

Ms. Mayfereen Ryntathiang
+91-8575017983
mayfereenlyngdoh@gmail.com

 

Ms. Hekani Jakhalu
+91 9856307033
hekanijakhalu@yahoo.com

 

Ranjan Kumar Mohanty
+91-0674 2382175
+91-0674 2352278
+91-94370-13723
pecuc@hotmail.comodishaelectionwatch@gmail.com

 

Mr.Jaskirat Singh
+91-93160-84953
jaskirats@gmail.com

 

Parvinder Singh Kittna
+91 9814313162
pavikittna@gmail.com

 

P. Joseph Victor Raj
+91-94860-86938
vrhope@gmail.com

 

Mr. Nikhil Dey
+91-94140-04180
nikhildey@gmail.com

 

Mr. Kamal Tak
+91-94134-57292
rajelection0@gmail.com , kamalrti@gmail.com

 

Dr. Sudarsan Padmanabhan
+91-044 2257-426
+91-94447-82884
padmanab@gmail.com

 

Mr. Ajay Gandhi
+91-99630-77444
ajay@wingsinfo.net

Ms. Sowmya Kidambi
+91-94904-69329
sowmyakrishkidambi@gmail.com

Mr. Rajendra Prasad
+91 9849 648363
rmvfindia@gmail.com

Mr. Rakesh Reddy Dubbudu
+91-98854-19012
rakesh@bhumi.in

 

Mr. Biswendu Bhattacharjee
+91-94361-25214
biswendu.tripura@gmail.com

 

Mr. Sanjay Singh 
+91-94151-14151
sanjaysingh033@gmail.com

Dr Lenin
+91-99355-99333
+91-99355-99330
lenin@pvchr.asia

Mr. Sanjay Rai
+91-522 2349-556
+91-9415121462
sanjaykrai@yahoo.com

Mr. Mahesh Anand
+91-94152-33694
+91-99367-47774
gramswarajsamiti@gmail.com

 

Mr. BP Maithani
+91-9012878346 
maithani_56@yahoo.com

Dr. Ravi Chopra
0135-2773849, +91-9411135976
rachop@gmail.com

Mr. Girija Pande
+91-9412351759
girija.pande@gmail.com

 

Dr. Ujjaini Halim
+91-98302-99326
ujjainihalim@hotmail.com

 

 

 

If you want to know how the gullible citizens of India have been taken for a ride over the years and what items might be considered for inclusion in that Mobile App, please refer to :

 

BJP Poll Manifesto     …………………………….[  19  Oct  2013  ]

 

Congress Poll Manifesto    ……………………[  25  Oct  2013  ]

 

Issues Vs Non – Issues    ………………………[  18  Nov  2013  ]

 

 

Perennial Poll Promises    ……………………….[  15  Dec  2013  ]

 

Poll Promises ? Tall Promises ?     ……………[  23  Feb  2014  ]

 

Manifesto Misconduct ?    …………………………[  26  March  2014 ]

 

If / Then     ……………………………………………….[  06  April  2014  ]

 

What Are the Chances ?    …………………………[  18  May  2014  ]

 

BUDGETING     BY    OBJECTIVES   …………….[ 05 Dec 2014 ]

 

But You have Promises to Keep    …………………[  14  May  2016  ]

   

Model Code of ( Hypocrite ) Conduct ?   …………[  07 Jan  2017  ]

 

We are not bribing the Voters !     ……………………[  10  Jan  2017  ]

 

Time to ditch Model Code of Conduct ?    …………[  22  Jan  2017  ]

 

Electoral Reforms Capsule : A Bitter Pill ?    ……….[ 06 Feb 2017 ]

 

Innovative Financing ?    ………………………………………[ 06  Mar  2017  ]

 

It is Catching On !    ………………………………………………[  06  Dec  2017  ]

 

AN OBJECTIVE GOVERNMENT ?    ……………………………[ 06  Feb  2018  ]

 

People’s Pulse ? People’s Confusion ?    ……………………[  12 July 2018 ]

 

 

 

 

Tuesday, 18 July 2023

Small Creditors : finally no more Be-Sahara ?

 


 

Context :

Government launches portal to help small-time investors of Sahara group’s cooperative society  . . Hindu / 18 July 2023

 

Extract :


Union Home and Cooperation Minister Amit Shah on July 18 launched a portal to refund the money of around four crore small-time investors of four cooperative societies linked to the Sahara group of companies.

Launching the portal on the Ministry’s website, Mr. Shah said that 1.7 crore investors will benefit in first phase and claims upto ₹10,000 will be settled first. The money will be returned to the Aadhaar-linked bank accounts of the investors within 45-days, he said.

 “Small investors are hit the most. Take the example of Sahara, case dragged on for many years, several agencies seized their assets. We invited all stakeholders including SEBI, ED, CBI, SFIO. Asked, can we devise a system for the benefit of small investors. All agencies filed a petition in Supreme Court which took a landmark decision that if all agencies agree, a committee under retired SC judge will monitor the reimbursement,” Mr. Shah said.

On March 29, the Supreme Court ordered the refund from Sahara-SEBI refund account to about 10 crore investors of the four cooperative societies. The court was requested that ₹5,000 crore from the Sahara-SEBI Refund Account may be used to pay depositors

We will begin with ₹5,000 crore, once this is exhausted, we will approach the SC again. There is no scope of any fraud, those who have no invested will not get any kind of refund Many investors may not know how to use the use the portal, they can go to the nearest Common Service Centre and seek assistance,” Mr. Shah said.

===================================================

[ source : https://mocrefund.crcs.gov.in/UserManual  ]

Depositor Registration Process :

Step 1

For Depositor Registration, you need to enter 12 digit Membership Number, last 4 digit Aadhaar Number, 10 digit Aadhaar linked Mobile Number, captcha and press on “Get OTP”

Step 2

Enter the OTP received on Aadhaar linked Mobile Number and complete the Registration process.

 

Depositor Login Process :

Step 1

On Depositor Login Screen, enter last 4 digit Aadhaar Number, 10 digit Aadhaar linked Mobile Number, captcha and press on “Get OTP”.

Step 2

Enter the OTP received on Aadhaar linked Mobile Number.

Step 3

Once Depositor Logged in, Depositor will see Aadhaar Consent Screen. Move to next Page after Accepting the terms and conditions by clicking on “I Agree” button

Step 4

On Personal Details Screen, enter 12 Digit Aadhaar Number and click on “Get OTP”. Depositor will receive OTP on Aadhaar linked Mobile Number

Step 5

Enter OTP and press on Verify OTP

Step 6

After Verifying OTP, the system displays the Aadhaar user details like First Name, Middle Name, Last Name, Date of Birth, Father/ Husband Name

Step 7

Also user can enter Email then click on “Save Email” and press “Next” button.

Step 8

Depositor will enter details as displayed on the screen

Step 9

Click on “Add Claim” Button and Depositor will see all details in the below grid. Here, Depositor will be able to add multiple Claim Details.

Step 10

 Once all Claim details are entered, Generate Prefilled Claim Request Form. “Please ensure that all claims have been entered, before generating forms. After which Depositor will not be able to make any changes or make additional claims.”

Step 11

Affix the recent photograph and duly sign across the photo as well as the Claim form.

Step 12

On the “Upload Documents” Screen, upload the Claim Form and PAN Card copy. (PAN Card is mandatory, if Claim Amount is Rs.50,000 or above.) Note: Size limit for Signed Claim request form with affixed photograph and PAN Card is 2MB and 50KB respectively

Step 13

Thank you Page will display with a Claim Request Number. Kindly note the Claim Request Number for future reference

[ source : https://mocrefund.crcs.gov.in/UserManual  ]

 

My Take :

Dear Amitbhai Shah :

 

Congratulations for this long overdue initiative to help our small depositors of SAHARA group fraud

I urge you to :

Ø  Have a COMMON PORTAL for all small depositors of all such fraudulent groups ( a depositor does not have to search among a hundred similar portals, each dedicated to one society / chit fund )

Ø  Simplify the Depositor Registration and Login Process ( may be just 2 screens )

Of course , launch of this portal is unlikely to get thousands of “ Fraudulent Depositors “ described in my following 9 YEAR old blog , to come forward and lodge their claims !

You are unlikely to have to refund that Rs 5,000 crores and will have no need to approach the Supreme Court to release more funds

Incidentally , with interest earned by the various Govt Agencies over the past 9 YEARS, can you tell the public , how much is the TOTAL AMOUNT , as of now ?


Ø  Be-Sahara Shree ?  …………………………. 05 June 2014

 

Extract :

These days , Sahara-Shree Subroto Roy seems to be , Be-Sahara Shree  !

 

He is in jail for past 3 months or so

 

And Supreme Court won't let him out on bail , unless he deposits Rs 5,000 Crores in cash and furnish a surety bond of an equal amount

 

Then within a few weeks , Supreme Court wants him to hand over to SEBI , Rs 24,000 Crores that SEBI claims he raised illegally from " Public "

 

But Subroto says ,

 

" What public  ?

  I am ready to pay-off all of my depositors , if only , they would come forward to

  claim their deposits

 

I have raised , a few rupees each ( Rs 5 - Rs 10 ), from millions of small

depositors , all of whom , gave their postal address as , " Delhi-Agra Road ", or

" Kanpur - Lucknow Road "

  

I just can't find them  "

 

Now , all of us ( Supreme Court and SEBI included ) , know that ,

 

>  Those Rs 24,000 Crores belong to politicians ( - most who got defeated in

     recent Lok Sabha elections ) , businessmen / bureaucrats / film stars etc

 

Each of them have given this in CASH to Sahara-Shree ( Range : Rs 10 -

    100 crores )

 

>   Sahara-Shree knows that they don't dare to publicly ask him to return

     their deposits . He managed to render them be-sahara  !

  

>   Neither Sahara , nor SEBI have true addresses of those fake depositors

 

 So , what happens now  ?

  

>   Subroto will be forced to sell most of his properties to raise money

  

>   To ensure that there is no hanky-panky in sale of these properties ,

      Supreme Court may appoint some world-famous Real Estate

      Consultants to conduct e-Auctions for each of these assets

 

 >    SEBI will have a windfall of Rs 24,000 Crores that no one wants  !

 

>    SEBI will deposit it with banks and earn a fat interest - for ever

 

I would say , a smart way to convert BLACK money into WHITE money  !

 

 

With regards,

Hemen Parekh

www.hemenparekh.ai  /  19 July 2023

 

Related Reading :


Ø  CONVERT BLACK TO WHITE - SEBI WAY……………………. 15 June 2016

 

Extract :

 

Two days back , newspapers reported that ,

 

*  By selling off the properties of Subroto Roy ( Sahara ), SEBI has managed to

   recover some Rs 11727 Crores

 

* But it could find only a FEW claimants and could refund only Rs 55 crore so far !

 

Altogether , SEBI is claiming some Rs 37,000 crore from Subroto ( considering

interest on those Rs 24,000 cr due to SEBI , 2 years back !

 

To know how SEBI will succeed in converting this BLACK MONEY into WHITE

MONEY , read my following blog :

 

Ø  Be-Sahara Shree ?  …………………………. 05 June 2014

============================================

A bit of my chat with ,,,,  www.hemenparekh.ai ... :


Q > 


Tell me what I envisage 9 years ago , about a fraud by Subroto Roy of Sahara Group 


Ans > 

 Nine years ago, you had written a blog post expressing concerns about a potential fraud by Subroto Roy of Sahara Group. 

You mentioned that Subroto Roy was in jail and the Supreme Court was not granting him bail unless he deposited Rs 5,000 Crores in cash and furnished a surety bond of an equal amount.

 You also highlighted that neither Sahara nor SEBI had the true addresses of the depositors, making it difficult to trace and refund their deposits.

 Additionally, you mentioned that Subroto claimed his company collected Rs 10,000 Cr as deposits through cash payments of Rs 10 each from millions of people, but their only address was mentioned as Lucknow-Delhi Highway, making it challenging to locate them. 


Is there anything specific you would like to know or discuss about this fraud case?


==========

Q : 

A portal is launched by the Govt to enable small depositors for recovering their deposits. Do you have any suggestions re this portal ?


Ans :

As a chatty and empathetic conversationalist, I think it's great that the government has launched a portal to help small depositors recover their deposits. 

It's an important step towards providing support to those who have been affected by fraudulent schemes. 

In terms of suggestions for the portal, I would recommend making the registration and login process as simple and user-friendly as possible. 

This will ensure that all depositors, including those who may not be very tech-savvy, can easily access the portal and submit their claims. 

Additionally, it would be beneficial to have a common portal for all small depositors of fraudulent groups, rather than having separate portals for each society or chit fund. 

This would make it easier for depositors to navigate and find the necessary information.

 What are your thoughts on these suggestions? Do you have any other ideas to improve the portal?