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Reserve Bank of India in an RTI response dated 03.09.2009 had mentioned that RBI does not approve policy of foreclosure-charges on pre-payment of loans, but keeping short of issuing any directives. But subsequently foreclosure-charges in respect of home-loans were abolished by an RBI directive dated 05.06.2012 but only in respect of banks and not for Non-Banking-Financial-Companies (NBFC). However NBFCs themselves abolished foreclosure-charges in respect of home-loans due to their competition with banks in loan-business. RBI through its circular dated 07.05.2014 abolished foreclosure-charges for all types of loans given by banks to individuals followed by another circular dated 14.07.2014 abolishing foreclosure charges being charged by NBFCs from individuals also but only on loans with fl...

Department of Consumer Affairs should amend the rules whereby it may be compulsory to pack all commodities in true metric-spirit in units of 1, 2, 5, 10, 20, 50, 100, 200, 500 gms or mltrs or ltrs or kgs or units only so that consumer may judge comparative prices of a commodity marketed by different companies. Any liberty to pack in units other than suggested ones gives manufacturers cheat consumers through gimmick packaging. Drug-manufacturers cheat consumers through gimmick packaging by packing commonly advertised medicines like cough-lozenges in eight per strip rather than normal ten because consumers judge prices per strip without realising number of lozenges per strip. It is necessary that suggested metric-system of packaging may be applicable on medicines also unless exemption is ...

BJP led central government should honour Swamy Shraddhanand by declaring his martyrdom day of 25th December as gazetted holiday to respect sentiments of millions of Arya Samajists, without practically adding a holiday because the day is already a holiday for Christmas Day. The building where Swami Shraddhanand breathed his last is in congested Shraddhanand Marg (Naya Bazar) of Old Delhi. Government should acquire this building to convert into a national monument in memory of this great freedom-fighter whose activities were of prime importance not only for the freedom struggle but also for uplift of downtrodden, dalits and women. Swami Shraddhanand though being disciple of Arya-Samaj-founder Mahrishi Dayanand Saraswati, was an icon of national integration against British regime. He was t...

Ruling BJP at the centre cornered major 95-percent share of total contributions made to various political parties through electoral bonds in the fiscal-year 2017-18. It is quite evident any ruling party will be getting major share of such opaque contribution because of contributors getting favours from the ruling party by themselves remaining anonymous. Contributions made to political parties should be perfectly transparent and cashless. Electoral bonds must carry names of contributors to prevent these as indirect and legalised bribing to ruling party. With central government motivating even small payments through digital banking like Bhim-app PayTM etc, ideal is to ultimately totally ban cash-contribution to any political party, with initially restricting it to rupees one hundred rather t...

भाजपा नेता और सुप्रीम कोर्ट के अधिवक्ता अश्विनी उपाध्याय ने चीन की तर्ज पर कठोर और प्रभावी जनसंख्या नियंत्रण कानून बनाने की मांग किया है! गाजियाबाद के रामलीला मैदान में जनसँख्या नियंत्रण रैली को संबोधित करते हुए उन्होंने कहा कि हजारो साल पहले भगवान राम तथा उनके भाई लक्षमण, भरत और शत्रुघन ने स्वयं हम दो-हमारे दो का पालन किया था जबकि उस समय जनसँख्या की समस्या इतनी खतरनाकनहीं थी और वर्तमान समय में तो जनसँख्या विस्फोट बम विस्फोट से भी अधिक खतरनाक है! उपाध्याय इसके पहले जनसंख्या नियंत्रण के लिए सुप्रीम कोर्ट में जनहित याचिका भी दाखिल कर चुके हैं ! उपाध्याय ने कहा कि प्रत्येक वर्ष 2 दिसंबर को राष्ट्रीय प्रदूषण नियंत्रण दिवस मनाया जाता है लेकिन जनसँख्या विस्फोट के कारण वायु प्रदूषण, जल प्रदूषण और ध्वनि प्रदूषण बढ़ता जा रहा है! उपाध्याय ने कहा कि चीन की तर्ज पर एक कठोर जनसँख्या नियंत्रण कानून के...