[AI] Difficulties in Banking

Harshvardhan Singh Negi harshvardhan.negi at gmail.com
Wed May 26 01:37:50 EDT 2010


No no taking any extra declaration from VI which is against the right to 
equality.

riginal Message ----- 
From: "Viraj Kafle" <vkafle at gmail.com>
To: <accessindia at accessindia.org.in>
Sent: Wednesday, May 26, 2010 8:42 AM
Subject: Re: [AI] Difficulties in Banking


> The discussion has not rolled back by any means. We are not talking about 
> general undertaking that every customer has to give, but unnecessary 
> impositions made on people on the basis of their disabilities. Is asking 
> NOC from the parents of a capable visually challenged  a general 
> undertaking?
>
> Of course, one can always choose between brands. But when brands indulge 
> in whatever they want in order to maximise profit or to corner people of 
> certain sections of society, only talking about choice would not be 
> politically correct. I am quite happy with SBI, but does that mean that I 
> should keep mum and remain complacent when someone, not me, is denied or 
> is illogically imposed by the PNB, or any other bank for that matter? When 
> a precedence gets established, particularly a wrong one, it does not take 
> much time to spread and be widely accepted. The same applies to the 
> precedence of denial. We can always boycott one for the other, but at the 
> same time it is our right as well as obligation to speak against and 
> thoroughly expose those involving in cornering certain sections of society 
> in one way or the other.
> ----- Original Message ----- 
> From: "BHAWANI SHANKAR VERMA" <bsvermadurg at gmail.com>
> To: <mrmukeshsharma at gmail.com>; <accessindia at accessindia.org.in>
> Sent: Wednesday, May 26, 2010 8:07 AM
> Subject: Re: [AI] Difficulties in Banking
>
>
>> yes, now the entire discussion is rolled back. the matter is whether a 
>> customer should give undertaking or not. if 2-3 line undertaking solve 
>> your problem, then what is the matter. practice of undertaking is all for 
>> general, not for blind customers.  we take undertaking in minor account, 
>> some times in pension account, if a pensioner is to old, unable to 
>> execute his transactions  and can not step up to the branch. blind person 
>> has to face many problem in his daily living, banking is one of them. do 
>> we get barrier free environment in our city? we have PWD act for it. not 
>> only blind, each and every type  of disabled person must have full right 
>> to get all services. whether it is banking, telecom, railways, airlines, 
>> electricity. law and rules are the guidelines. the person sitting on the 
>> chair, how he interpreted this law. my suggestion is don't be a brand 
>> loyal, be a system loyal. if you want to buy a soft drink, there are to 
>> many shops, being an employee of PNB, if my bank denies any services to 
>> me, i won't hesitate to avail that particular service from another bank. 
>> suppose, if your salary account exist with ABC  bank but their loan rates 
>> are higher then XYZ bank, then you will bank, then you will fopefully 
>> won't avail the loan facility from that bank.
>>
>>
>> ----- Original Message ----- 
>> From: "Mukesh Sharma" <mrmukeshsharma at gmail.com>
>> To: <accessindia at accessindia.org.in>
>> Sent: Tuesday, May 25, 2010 6:57 PM
>> Subject: Re: [AI] Difficulties in Banking
>>
>>
>>> Give me one such case.
>>> When issuing ATM card, the bank in their pure diplomatic language 
>>> express
>>> "NO RISK of the BANK" on the misuse of the Card and the undertaking has 
>>> to
>>> be signed by the customer  and I guess that is sufficient to save your 
>>> job!
>>> This is what should be done for every customer irrespective of the so 
>>> called
>>> disability or ability to see or even use ATM independently.
>>> The bread and butter is forcing you to stand by bankers approach but 
>>> what
>>> about your personal opinion.
>>> Or let's do it other way, suppose you are a customer and I am a BM, 
>>> explain
>>> me why I shouldn't issue a ATM Card to you, if you can not, then help in
>>> your capacity to get every individual to enjoy facility equally be it of 
>>> ATM
>>> or Cheque Book.
>>> A BM is there to make life of customer easier and not difficult else the
>>> scheme of banking would have not been possible for illiterate and BPL
>>> customer.
>>> Thanks
>>> Mukesh
>>>
>>> -----Original Message-----
>>> From: accessindia-bounces at accessindia.org.in
>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of BHAWANI 
>>> SHANKAR
>>> VERMA
>>> Sent: Tuesday, May 25, 2010 6:09 PM
>>> To: accessindia at accessindia.org.in
>>> Subject: Re: [AI] Difficulties in Banking
>>>
>>> yes! this is a matter, if that anybody did a fraud with that blind 
>>> person,
>>> cheated him, then. my four or five colleagues will loose their job, if 
>>> that
>>> blind person stand before the court. who issued ATM card? the employee 
>>> who
>>> entered his card details on issue register, the employee entered his 
>>> details
>>> on CBS system. who will come to convince the court that entire risk goes 
>>> to
>>> that blind person?
>>>
>>> ----- Original Message -----
>>> From: "AMEEN" <ameen.ettattu at gmail.com>
>>> To: <accessindia at accessindia.org.in>
>>> Sent: Tuesday, May 25, 2010 11:00 AM
>>> Subject: Re: [AI] Difficulties in Banking
>>>
>>>
>>>> screen reading software has nothing to do with issuing ATM cards to VI
>>>> persons.
>>>> for, he can operate
>>>> it with the help of anybody whom he chooses.
>>>> that is non of the business of the bank.
>>>> if there is any risk involved in it, the person will bear it.
>>>> then why should raise all lame excuses and arguments?
>>>> are you willing to comply with the rules and regulations stipulated by
>>>> RBI?
>>>> Ameen.----- Original Message ----- 
>>>> From: "BHAWANI SHANKAR VERMA" <bsvermadurg at gmail.com>
>>>> To: "B. R. Nautial" <brnautial at gmail.com>; "access india"
>>>> <accessindia at accessindia.org.in>
>>>> Sent: Tuesday, May 25, 2010 8:18 AM
>>>> Subject: Re: [AI] Difficulties in Banking
>>>>
>>>>
>>>>> you are absolutely right sir, i found that only blind customer's part 
>>>>> is
>>>>> discussed here. we should also consider banker's part. secondly, again 
>>>>> i
>>>>> am
>>>>> to say that bank has full right to ask his customer, why he should
>>>>> require a
>>>>> check book. only for prestige or he has any use of it. if he or she 
>>>>> avail
>>>>> check book facility, he has to maintain minimum balance in his
>>>>> account to continue this facility. some times we also make our 
>>>>> blindness
>>>>> complicated. if any one show the law and rules, then being a banker, i 
>>>>> am
>>>>> giving my ATM card and pin number to that blind customer, I will also
>>>>> take
>>>>> him to the ATM machine, but, i will not assist him to read out the 
>>>>> menus
>>>>> and
>>>>> commands on ATM. will he independently withdraw his money? if so, 
>>>>> could
>>>>> anybody voluntarily come to have a practical session? condition is a
>>>>> person
>>>>> should be bona fied blind. RBI says that 33% of
>>>>> ATMs should be accessible to blind persons, and it is stated on the 
>>>>> same
>>>>> circular, which all our friends have mentioned here. now as a branch
>>>>> manager, it does not come in my power to install such ATMs. only my 
>>>>> head
>>>>> office can do that. now in writing, i can reply that customer: "I 
>>>>> accept
>>>>> your application for ATM card. since, as per the RBI circular our 
>>>>> branch
>>>>> does not have ATM accessible to blind person, and also in our city 
>>>>> there
>>>>> is
>>>>> no ATM installed, which is accessible to the blind person, hence, your
>>>>> application is pending for consideration. as soon as. an accessible 
>>>>> ATM
>>>>> will
>>>>> be installed, you will be facilitated ATM card. our hon'ble blind
>>>>> customer
>>>>> unable to operate ATM which exist in our branch,  independently, 
>>>>> further,
>>>>> this matter has
>>>>> been referred to our authorities."
>>>>> thanking you,
>>>>>
>>>>> ----- Original Message ----- 
>>>>> From: "B. R. Nautial" <brnautial at gmail.com>
>>>>> To: <accessindia at accessindia.org.in>
>>>>> Sent: Monday, May 24, 2010 7:40 PM
>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>
>>>>>
>>>>>> no sir, its not a question of ego here. in my opinion, both the 
>>>>>> parties
>>>>>> are almost right on their places. generally, all these facilities are
>>>>>> quite risky for the blind, that's why, most of the bank manager of
>>>>>> various
>>>>>> banks are not even against the blind customers but don't want to give
>>>>>> all
>>>>>> these facilities to the them only because they know,
>>>>>> in case of any fraud with the blind customer, they may be questioned
>>>>>> before the court and may be punished for their negligence.
>>>>>> In various banks, where the branch manager is flexible and satisfied
>>>>>> with
>>>>>> your arguments or fully aware with the rules and regulations, they 
>>>>>> are
>>>>>> more sympathetic  with the blind. They don't create such problems to 
>>>>>> any
>>>>>> of the blind person. More or less,  they are not our enemy so
>>>>>> the issue should be raised before the higher authorities  with the 
>>>>>> help
>>>>>> of various NGO's.
>>>>>>
>>>>>> With Regards
>>>>>> B. R. Nautial
>>>>>> Mobile: +919915073368
>>>>>> ----- Original Message ----- 
>>>>>> From: "Kamal Verma" <kamalverma at pnb.co.in>
>>>>>> To: <accessindia at accessindia.org.in>
>>>>>> Sent: Monday, May 24, 2010 5:26 PM
>>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>>
>>>>>>
>>>>>>> Dear Sir,
>>>>>>>
>>>>>>> The customer is trying to satisfy his ego. Otherwise, he should have
>>>>>>> produced NOC or any such endorsement from his parrents.  The 
>>>>>>> problems
>>>>>>> might have been solved. Details of this blind  customer have not 
>>>>>>> been
>>>>>>> discussed in the list. There are number of blind customers availing
>>>>>>> ATM,
>>>>>>> cheque book and other facilities from PNB.
>>>>>>>
>>>>>>> Regards.
>>>>>>> Kamal Verma
>>>>>>> ----- Original Message ----- 
>>>>>>> From: "Asudani, Rajesh" <rajeshasudani at rbi.org.in>
>>>>>>> To: <accessindia at accessindia.org.in>
>>>>>>> Sent: Monday, May 24, 2010 4:56 PM
>>>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>>>
>>>>>>>
>>>>>>>>        Who is bloody branch manager to sit in judgment over rules
>>>>>>>> framed
>>>>>>>> by regulator?
>>>>>>>> If he/she has to question them, let him represent to central bank 
>>>>>>>> or
>>>>>>>> government, for the time, rules are there, he has to comply with 
>>>>>>>> them.
>>>>>>>> If we give in to approach of petty functionaries thwarting rules,
>>>>>>>> there
>>>>>>>> will be no rule of law in this country.
>>>>>>>> Moreover, why does anybody require banking facilities? So, there is 
>>>>>>>> no
>>>>>>>> rational behind this question.
>>>>>>>> And, about ATM, bank is not responsible anyway for misuse or loss.
>>>>>>>> Check book is another matter, and I have time and again pointed out
>>>>>>>> the
>>>>>>>> lacunae in the policy pertaining to it.
>>>>>>>> So, we can not hold bankers denying it to fault.
>>>>>>>>
>>>>>>>> Regards
>>>>>>>>
>>>>>>>> "Perhaps our role on this planet is not to worship God-- but to 
>>>>>>>> create
>>>>>>>> Him."
>>>>>>>>
>>>>>>>>                                        --Arthur C. Clarke
>>>>>>>>
>>>>>>>> (Rajesh Asudani)
>>>>>>>>
>>>>>>>> Assistant General Manager,
>>>>>>>> Reserve Bank of India
>>>>>>>> Nagpur
>>>>>>>> 09420397185
>>>>>>>> O: 0712 2806676
>>>>>>>> Res: 0712 2591349
>>>>>>>>
>>>>>>>>
>>>>>>>>
>>>>>>>> -----Original Message-----
>>>>>>>> From: accessindia-bounces at accessindia.org.in
>>>>>>>> [mailto:accessindia-bounces at accessindia.org.in] On Behalf Of Kamal
>>>>>>>> Verma
>>>>>>>> Sent: Monday, May 24, 2010 4:51 PM
>>>>>>>> To: accessindia at accessindia.org.in
>>>>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>>>>
>>>>>>>> Hello,
>>>>>>>>
>>>>>>>> Noone has to deform such a pioneer corporate like PNB. RBI framed
>>>>>>>> rules
>>>>>>>> and
>>>>>>>> circulars, but being a Branch Manager, it seems impractical to 
>>>>>>>> issue
>>>>>>>> ATM
>>>>>>>> card to the blind customers. Let me argue the matter with the blind
>>>>>>>> customer
>>>>>>>> who is in need of ATM card and cheque book. Why does he need ATM 
>>>>>>>> card
>>>>>>>> and
>>>>>>>> cheque book and how shall I issue? Let him convince me.
>>>>>>>>
>>>>>>>> Thanks.
>>>>>>>> Kamal Verma
>>>>>>>> ----- Original Message -----
>>>>>>>> From: "Mahesh Panicker" <maheshspanicker at gmail.com>
>>>>>>>> To: <accessindia at accessindia.org.in>
>>>>>>>> Sent: Monday, May 24, 2010 12:41 PM
>>>>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>>>>
>>>>>>>>
>>>>>>>>> dear Mr. Verma. .
>>>>>>>>> surprised to know someone has something nice to say about PNB. I
>>>>>>>>> haven't find many other organizations as obnoxious as PNB is. I 
>>>>>>>>> had a
>>>>>>>>> real struggle to get my ATM card from PNB. in fact, I'd contacted 
>>>>>>>>> the
>>>>>>>>> higher authorities as well. but at the end of the day, I had to
>>>>>>>>> complaint to the RBI, and also to the NHRC and the government of
>>>>>>>>> India
>>>>>>>>> ministry of finance to get my card. after all that, I got my card
>>>>>>>>> after a good 7 months. recently too, I had a terrible time with 
>>>>>>>>> the
>>>>>>>>> PNB, when I applied for a check book. as I already mentioned, this
>>>>>>>>> happened after I submitted the RBI circular on the rights of the
>>>>>>>>> disabled on banking facility.
>>>>>>>>> and then we all have the story of a visually challenged being 
>>>>>>>>> asked
>>>>>>>>> to
>>>>>>>>> provide a NOC from the parents to avail an ATM card. have you 
>>>>>>>>> heard
>>>>>>>>> of
>>>>>>>>> anything more obnoxious?
>>>>>>>>> banks in general, and PNB in particular have a horrible record 
>>>>>>>>> when
>>>>>>>>> it
>>>>>>>>> comes to acknowledging the rightful claims of the disabled. so we
>>>>>>>>> have
>>>>>>>>> to take the struggle against such horrible institutional nonsense 
>>>>>>>>> to
>>>>>>>>> all possible levels including the media.
>>>>>>>>>
>>>>>>>>> On 5/24/10, Kamal Verma <kamalverma at pnb.co.in> wrote:
>>>>>>>>>> Hello all,
>>>>>>>>>>
>>>>>>>>>> I am surprised to note various complaints against PNB in this 
>>>>>>>>>> list.
>>>>>>>>>> I
>>>>>>>>>> am
>>>>>>>>>> availing all the banking facilities, such as cheque book, debit
>>>>>>>>>> card,
>>>>>>>>>> credit
>>>>>>>>>> card, internet banking, etc. PNB does not ignore the blind
>>>>>>>>>> community,
>>>>>>>>>> hence
>>>>>>>>>> if any problem occurs, it may be communicated to the higher
>>>>>>>>>> authorities
>>>>>>>>>> of
>>>>>>>>>> PNB with the name and designation of the concerned officer.
>>>>>>>>>>
>>>>>>>>>> Thanks.
>>>>>>>>>> Kamal Verma
>>>>>>>>>>
>>>>>>>>>> ----- Original Message ----- From: "Mahesh Panicker"
>>>>>>>>>> <maheshspanicker at gmail.com>
>>>>>>>>>> To: <accessindia at accessindia.org.in>
>>>>>>>>>> Sent: Sunday, May 23, 2010 8:39 PM
>>>>>>>>>> Subject: Re: [AI] Difficulties in Banking
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>> > banking is one area where there is a lot of discrimination 
>>>>>>>>>> > against
>>>>>>>>>> > the
>>>>>>>>>> > visually challenged. opening an account itself isn't any 
>>>>>>>>>> > easier,
>>>>>>>>>> > but
>>>>>>>>>> > ones you open an account, getting the common banking facilities
>>>>>>>>>> > like
>>>>>>>>>> > ATM cards and check book is an absolute nightmare.I've an 
>>>>>>>>>> > account
>>>>>>>>>> > with
>>>>>>>>>> > the Punjab National Bank, and I had my struggle of my life to 
>>>>>>>>>> > get
>>>>>>>>>> > my
>>>>>>>>>> > ATM card issued. it took me a good 7 month for the same to be
>>>>>>>>>> > done.
>>>>>>>>>> > the struggle for the check book was also on similar lines, and
>>>>>>>>>> > although I've got the checkbook, it has come with a lot of
>>>>>>>>>> > conditions.
>>>>>>>>>> > most people on access india can tell you similar stories. I
>>>>>>>>>> > believe
>>>>>>>>>> > some of our own members have taken a lot of initiative in this
>>>>>>>>>> > regard,
>>>>>>>>>> > and the 2008 RBI order is an achievement because of such
>>>>>>>>>> > initiatives.
>>>>>>>>>> >
>>>>>>>>>> > On 5/23/10, BHAWANI SHANKAR VERMA <bsvermadurg at gmail.com> 
>>>>>>>>>> > wrote:
>>>>>>>>>> >
>>>>>>>>>> > > blind persons should organize and conduct an agitation before
>>>>>>>>>> > > the
>>>>>>>>>> banking
>>>>>>>>>> > > division and finance ministry. this is the only solution.
>>>>>>>>>> > > ----- Original Message ----- From: "rahul cherian"
>>>>>>>>>> > > <rahul.cherian at inclusiveplanet.com>
>>>>>>>>>> > > To: <accessindia at accessindia.org.in>
>>>>>>>>>> > > Sent: Sunday, May 23, 2010 12:47 PM
>>>>>>>>>> > > Subject: [AI] Difficulties in Banking
>>>>>>>>>> > >
>>>>>>>>>> > >
>>>>>>>>>> > >
>>>>>>>>>> > > > Folks,
>>>>>>>>>> > > >
>>>>>>>>>> > > > I have been asked to prepare a comprehensive note on the
>>>>>>>>>> > > > issues
>>>>>>>>>> > > > that
>>>>>>>>>> > > persons
>>>>>>>>>> > > > with visual impairment face with banking in India, 
>>>>>>>>>> > > > especially
>>>>>>>>>> > > > in
>>>>>>>>>> > > >  >
>>>>>>>>>> leading
>>>>>>>>>> > > > banks such as ICICI, HDFC and SBI, along with possible
>>>>>>>>>> > > > solutions.
>>>>>>>>>> > > > This
>>>>>>>>>> > > note
>>>>>>>>>> > > > has been asked for by some senior people I know personally 
>>>>>>>>>> > > > in
>>>>>>>>>> > > > these
>>>>>>>>>> > > >  >
>>>>>>>>>> banks.
>>>>>>>>>> > > > If anyone would like to help me prepare this note do let me
>>>>>>>>>> > > > know
>>>>>>>>>> > > > at
>>>>>>>>>> the
>>>>>>>>>> > > > earliest. If anyone has the details of any such note which 
>>>>>>>>>> > > > has
>>>>>>>>>> > > > been
>>>>>>>>>> > > prepared
>>>>>>>>>> > > > earlier do forward that to me.
>>>>>>>>>> > > >
>>>>>>>>>> > > > Best regards,
>>>>>>>>>> > > >
>>>>>>>>>> > > > Rahul Cherian
>>>>>>>>>> > > > Inclusive Planet
>>>>>>>>>> > > >
>>>>>>>>>> > > > On 23 May 2010 12:39, Srinivasu Chakravarthula
>>>>>>>>>> > > <srinivasu at srinivasu.org>wrote:
>>>>>>>>>> > > >
>>>>>>>>>> > > >
>>>>>>>>>> > > > > Hi Dinesh,
>>>>>>>>>> > > > > Can you provide us with little more details about your
>>>>>>>>>> > > > > problem
>>>>>>>>>> > > > > with
>>>>>>>>>> > > > > Yahoo! Messenger so as to help you better?
>>>>>>>>>> > > > >
>>>>>>>>>> > > > > Regards,
>>>>>>>>>> > > > > Srinivasu
>>>>>>>>>> > > > >
>>>>>>>>>> > > > > On 5/23/10, dinesh shukla <dineshshukla2815 at gmail.com>
>>>>>>>>>> > > > > wrote:
>>>>>>>>>> > > > > >     dear friends I am not able to chatte with the help 
>>>>>>>>>> > > > > > of
>>>>>>>>>> > > > > > Yahoo
>>>>>>>>>> > > > > massenger.
>>>>>>>>>> > > > > > please help me to do  the same telling me the steps.
>>>>>>>>>> > > > > > Dinesh
>>>>>>>>>> > > Shukla.
>>>>>>>>>> > > > > >
>>>>>>>>>> > > > > >
>>>>>>>>>> > > > > > To unsubscribe send a message to >
>>>>>>>>>> > > accessindia-request at accessindia.org.inwith
>>>>>>>>>> > > > > > the subject unsubscribe.
>>>>>>>>>> > > > > >
>>>>>>>>>> > > > > > To change your subscription to digest mode or make any
>>>>>>>>>> > > > > > other
>>>>>>>>>> > > > > >  >
>>>>>>>>>> > > > > >  > >
>>>>>>>>>> changes,
>>>>>>>>>> > > > > please
>>>>>>>>>> > > > > > visit the list home page at
>>>>>>>>>> > > > > >
>>>>>>>>>> > > > >
>>>>>>>>>> > >
>>>>>>>>>>
>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
>>>>>>>>>> > > > > >
>>>>>>>>>> > > > >
>>>>>>>>>> > > > > --
>>>>>>>>>> > > > > Sent from my mobile device
>>>>>>>>>> > > > >
>>>>>>>>>> > > > > Best regards,
>>>>>>>>>> > > > >
>>>>>>>>>> > > > > Srinivasu Chakravarthula
>>>>>>>>>> > > > > Mobile: +91 990 081 0881
>>>>>>>>>> > > > > Website: http://www.srinivasu.org
>>>>>>>>>> > > > > Follow me on Twitter: http://twitter.com/sriniworld/
>>>>>>>>>> > > > >
>>>>>>>>>> > > > >
>>>>>>>>>> > > > >
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>>>>>>>>>> > >
>>>>>>>>>>
>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
>>>>>>>>>> > > > >
>>>>>>>>>> > > > >
>>>>>>>>>> > > >
>>>>>>>>>> > > >
>>>>>>>>>> > > > To unsubscribe send a message to
>>>>>>>>>> > > accessindia-request at accessindia.org.in with the subject
>>>>>>>>>> > > unsubscribe.
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>>>>>>>>>>
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>>>>>>>>>> > > >
>>>>>>>>>> > >
>>>>>>>>>> > >
>>>>>>>>>> > >
>>>>>>>>>> > >
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>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
>>>>>>>>>> > >
>>>>>>>>>> > >
>>>>>>>>>> >
>>>>>>>>>> >
>>>>>>>>>> > --
>>>>>>>>>> > Mahesh S. Panicker
>>>>>>>>>> > C123;
>>>>>>>>>> > Dayanand Colony;
>>>>>>>>>> > Lajpat Nagar4;
>>>>>>>>>> >
>>>>>>>>>> > New delhi india.
>>>>>>>>>> >
>>>>>>>>>> >
>>>>>>>>>> >
>>>>>>>>>> > To unsubscribe send a message to
>>>>>>>>>> accessindia-request at accessindia.org.in with the subject
>>>>>>>>>> unsubscribe.
>>>>>>>>>> >
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>>>>>>>>>> > changes,
>>>>>>>>>> please visit the list home page at
>>>>>>>>>> >
>>>>>>>>>>
>>> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
>>>>>>>>>> >
>>>>>>>>>> >
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>>
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>>>>>>>>>
>>>>>>>>>
>>>>>>>>> --
>>>>>>>>> Mahesh S. Panicker
>>>>>>>>> C123;
>>>>>>>>> Dayanand Colony;
>>>>>>>>> Lajpat Nagar4;
>>>>>>>>>
>>>>>>>>> New delhi india.
>>>>>>>>>
>>>>>>>>>
>>>>>>>>>
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