[AI] Difficulties in Banking

BHAWANI SHANKAR VERMA bsvermadurg at gmail.com
Wed May 26 10:17:40 EDT 2010


each bank has its own mechanism to deal customer's complaint, better option 
is to use the mechanism.
----- Original Message ----- 
From: "Mahesh Panicker" <maheshspanicker at gmail.com>
To: <accessindia at accessindia.org.in>
Sent: Wednesday, May 26, 2010 11:41 AM
Subject: Re: [AI] Difficulties in Banking


> although some of our friends seem to suggest an VC persons net getting
> the banking facilities is because of their ego preventing them giving
> a simple undertaking to the bank, the rality is far from that. as
> Shree Rajesh Asadani, the very practice of selective undertakings from
> the VC persons itself has to be according to rules, not according to
> the fantacies of some  ignorant officer. moreover, in most cases, even
> when the VC person is willing to give an undertaking taking up
> responsibilities arising out of the possible misuse of the particular
> facility due to his or her disability, bank officials have refused to
> give the particular facility.
>
>
> On 5/26/10, Asudani, Rajesh <rajeshasudani at rbi.org.in> wrote:
>> I perceive the matter  of undertakings as being afraid of anything new.
>> Bear in mind, when typewriters were invented, women were required to 
>> furnish a medical certificate that they are fit enough to operate 
>> typewriter.
>> Now, is not it ridiculous?
>> A few years ago, a  girl from chandrapur found a place in Guinness book 
>> for being the fastest typist at the age of 7 and typing 170WPM.
>> So, if apart from general undertakings if anything else is required by 
>> way of disability, then it must be established by rules.
>> And rules also can be modified  to be in sync with relevance of 
>> disability for a particular transactions.
>> For instance, maharashtra government has not identified any post of 
>> lecturer in any subject but music for blind, does anyone with minimum 
>> rational capacity see any logic in this?
>> So, let us be logical, and evaluate the implications of any disability 
>> and its consequent relevance in formulating the rules for any matter.
>>
>> So, practice of lowly officials framing their arbitrary rules needs to be 
>> severely dealt with any possible manner.
>> Like Doctor Lahane an eye specialists feels that totally blind are not 
>> capable to discharge many of jobs identified in central list, and so has 
>> debarred them from undertaking them in maharashtra by committees and 
>> issuing so many GRs.
>> I know cases are being fought by our honorable members for it, on the 
>> ground there is hardly any change.
>>
>> So, I sincerely feel we must adopt all and every means to have sound laws 
>> and rules in place and then curb anybody except legislature from 
>> tempering with them.
>>
>>
>> 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 Viraj Kafle
>> Sent: Wednesday, May 26, 2010 8:42 AM
>> To: accessindia at accessindia.org.in
>> 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/
>> >>>>>>>>> > > > >
>> >>>>>>>>> > > > >
>> >>>>>>>>> > > > >
>> >>>>>>>>> > > > > 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
>> >>>>>>>>> > > > >
>> >>>>>>>>> > > > >
>> >>>>>>>>> > > >
>> >>>>>>>>> > > >
>> >>>>>>>>> > > > To unsubscribe send a message to
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>> >>>>>>>>> > > 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
>> >>>>>>>>> > > >
>> >>>>>>>>> > >
>> >>>>>>>>> > >
>> >>>>>>>>> > >
>> >>>>>>>>> > >
>> >>>>>>>>> > > To unsubscribe send a message to
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>> >>>>>>>>> > > 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
>> >>>>>>>>> > >
>> >>>>>>>>> > >
>> >>>>>>>>> >
>> >>>>>>>>> >
>> >>>>>>>>> > --
>> >>>>>>>>> > 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.
>> >>>>>>>>> >
>> >>>>>>>>> > To change your subscription to digest mode or make any other
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>> >>>>>>>>> please visit the list home page at
>> >>>>>>>>> >
>> >>>>>>>>>
>> >> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
>> >>>>>>>>> >
>> >>>>>>>>> >
>> >>>>>>>>>
>> >>>>>>>>>
>> >>>>>>>>>
>> >>>>>>>>> DISCLAIMER:
>> >>>>>>>>>
>> >>>>>>>>>
>> >>>>>>>>> The Information transmitted in this email is solely for the
>> >>>>>>>>> addressee.
>> >>>>>>>>> It
>> >>>>>>>>> is
>> >>>>>>>>> confidential and may be legally privileged. Access to this 
>> >>>>>>>>> email
>> >>>>>>>>> by
>> >>>>>>>>> anyone
>> >>>>>>>>> else is unauthorized. Any disclosure, copying, distribution or 
>> >>>>>>>>> any
>> >>>>>>>>> action
>> >>>>>>>>> taken by anyone other than by the intended recipient is 
>> >>>>>>>>> prohibited
>> >>>>>>>>> and
>> >>>>>>>>> may
>> >>>>>>>>> be unlawful. If you are not the intended recipient then kindly
>> >>>>>>>>> delete
>> >>>>>>>>> the
>> >>>>>>>>> mail from your system. Any opinion or views expressed in this 
>> >>>>>>>>> mail
>> >>>>>>>>> may
>> >>>>>>>>> not
>> >>>>>>>>> necessarily reflect that of Punjab National Bank. The bank
>> >>>>>>>>> considers
>> >>>>>>>>> unencrypted email as an insecure mode of communication.
>> >>>>>>>>>
>> >>>>>>>>>
>> >>>>>>>>> To unsubscribe send a message to
>> >>>>>>>>> accessindia-request at accessindia.org.in with the subject
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>> >>>>>>>>>
>> >>>>>>>>> To change your subscription to digest mode or make any other
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>> >>>>>>>>> please
>> >>>>>>>>> visit the list home page at
>> >>>>>>>>>
>> >> 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.
>> >>>>>>>>
>> >>>>>>>> To change your subscription to digest mode or make any other
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>> >>>>>>>> please visit the list home page at
>> >>>>>>>>
>> >>>>>>>>
>> >> http://accessindia.org.in/mailman/listinfo/accessindia_accessindia.org.in
>> >>>>>>>>
>> >>>>>>>
>> >>>>>>>
>> >>>>>>>
>> >>>>>>> DISCLAIMER:
>> >>>>>>>
>> >>>>>>>
>> >>>>>>> The Information transmitted in this email is solely for the
>> >>>>>>> addressee.
>> >>>>>>> It is confidential and may be legally privileged. Access to this
>> >>>>>>> email
>> >>>>>>> by anyone else is unauthorized. Any disclosure, copying,
>> >>>>>>> distribution
>> >>>>>>> or
>> >>>>>>> any action taken by anyone other than by the intended recipient 
>> >>>>>>> is
>> >>>>>>> prohibited and may be unlawful. If you are not the intended
>> >>>>>>> recipient
>> >>>>>>> then kindly delete the mail from your system. Any opinion or 
>> >>>>>>> views
>> >>>>>>> expressed in this mail may not necessarily reflect that of Punjab
>> >>>>>>> National Bank. The bank considers unencrypted email as an 
>> >>>>>>> insecure
>> >>>>>>> mode
>> >>>>>>> of communication.
>> >>>>>>>
>> >>>>>>>
>> >>>>>>>
>> >>>>>>> To unsubscribe send a message to
>> >>>>>>> accessindia-request at accessindia.org.in
>> >>>>>>> with 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
>> >>>>>>>
>> >>>>>>> Notice: This email and any files transmitted with it are
>> >>>>>>> confidential
>> >>>>>>> and intended solely for the use of the individual or entity to 
>> >>>>>>> whom
>> >>>>>>> they
>> >>>>>>> are addressed. If you are not the intended recipient, any
>> >>>>>>> dissemination,
>> >>>>>>> use, review, distribution, printing or copying of the information
>> >>>>>>> contained in this e-mail message and/or attachments to it are
>> >>>>>>> strictly
>> >>>>>>> prohibited. If you have received this email by error,  please 
>> >>>>>>> notify
>> >>>>>>> us
>> >>>>>>> by return e-mail or telephone and immediately and permanently 
>> >>>>>>> delete
>> >>>>>>> the
>> >>>>>>> message and any attachments. The recipient should check this 
>> >>>>>>> email
>> >>>>>>> and
>> >>>>>>> any attachments for the presence of viruses. The Bank accepts no
>> >>>>>>> liability for any damage caused by any virus transmitted by this
>> >>>>>>> email.
>> >>>>>>>
>> >>>>>>>
>> >>>>>>>
>> >>>>>>> To unsubscribe send a message to
>> >>>>>>> accessindia-request at accessindia.org.in
>> >>>>>>> with 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
>> >>>>>>>
>> >>>>>>
>> >>>>>>
>> >>>>>>
>> >>>>>> DISCLAIMER:
>> >>>>>>
>> >>>>>>
>> >>>>>> The Information transmitted in this email is solely for the
>> >>>>>> addressee.
>> >>>>>> It
>> >>>>>> is confidential and may be legally privileged. Access to this 
>> >>>>>> email
>> >>>>>> by
>> >>>>>> anyone else is unauthorized. Any disclosure, copying, distribution 
>> >>>>>> or
>> >>>>>> any
>> >>>>>> action taken by anyone other than by the intended recipient is
>> >>>>>> prohibited
>> >>>>>> and may be unlawful. If you are not the intended recipient then
>> >>>>>> kindly
>> >>>>>> delete the mail from your system. Any opinion or views expressed 
>> >>>>>> in
>> >>>>>> this
>> >>>>>> mail may not necessarily reflect that of Punjab National Bank. The
>> >>>>>> bank
>> >>>>>> considers unencrypted email as an insecure mode of communication.
>> >>>>>>
>> >>>>>>
>> >>>>>> To unsubscribe send a message to
>> >>>>>> accessindia-request at accessindia.org.in
>> >>>>>> with 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
>> >>>>>
>> >>>>>
>> >>>>>
>> >>>>>
>> >>>>> To unsubscribe send a message to
>> >>>>> accessindia-request at accessindia.org.in
>> >>>>> with 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
>> >>>>
>> >>>>
>> >>>>
>> >>>>
>> >>>> To unsubscribe send a message to 
>> >>>> accessindia-request at accessindia.org.in
>> >>>> with 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
>> >>>
>> >>>
>> >>>
>> >>>
>> >>> To unsubscribe send a message to 
>> >>> accessindia-request at accessindia.org.in
>> >>> with 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
>> >>
>> >>
>> >>
>> >>
>> >>
>> >> To unsubscribe send a message to 
>> >> accessindia-request at accessindia.org.in
>> >> with
>> >> 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
>> >>
>> >>
>> >>
>> >>
>> >> To unsubscribe send a message to 
>> >> accessindia-request at accessindia.org.in
>> >> with 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
>> >
>> >
>> >
>> >
>> > To unsubscribe send a message to accessindia-request at accessindia.org.in
>> > with 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
>>
>>
>>
>>
>> To unsubscribe send a message to accessindia-request at accessindia.org.in 
>> with 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
>>
>> Notice: This email and any files transmitted with it are confidential and 
>> intended solely for the use of the individual or entity to whom they are 
>> addressed. If you are not the intended recipient, any dissemination, use, 
>> review, distribution, printing or copying of the information contained in 
>> this e-mail message and/or attachments to it are strictly prohibited. If 
>> you have received this email by error,  please notify us by return e-mail 
>> or telephone and immediately and permanently delete the message and any 
>> attachments. The recipient should check this email and any attachments 
>> for the presence of viruses. The Bank accepts no liability for any damage 
>> caused by any virus transmitted by this email.
>>
>>
>>
>> To unsubscribe send a message to accessindia-request at accessindia.org.in 
>> with 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
>>
>
>
> -- 
> 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.
>
> 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 





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