Will these Help Stopping Corruption & getting current Black Money (within India) back into Governmen

Will these Help Stopping Corruption & getting current Black Money (within India) back into Governments Locker???

Since the beginning of this Lokpal news, i have been trying to draft few action points which shall Help Stopping Corruption & getting Black Money back into Governments Locker???

- Please share your comments...

1. Create a NEW Mandatory Debit Card account Associate it with UID.
Cease Legal tender of 500 & 1000 rupee notes & Permit transactions more than Rs.500 only through the Mandatory Debit card &
- Individuals to approach the Bank where the Mandatory Debit Card account is maintained & should deposit all the 500 & 1000 rupee currencies into this account & ONLY THESE BANKS CAN CONVERT THE 500/1000 CURRENCY INTO DENOMINATIONS OF 100 ONLY & THIS CONVERSION CANNOT BE DONE BY INDIVIDUAL.
- Individual Banks to issue High Alert Notifications to Individual account owners to visit Banks in person to authorise Individual Bank to convert the individuals savings portion in multiples of 500/1000 into 100Rs notes with RBI.
- Individual Banks to hold the rest of money, where the Individual account owners didnt show up, as Non-Performing Assets until end of next financial year or 730 days (2 years) or whichever is earlier. Towards the end, the same amount should be transferred to Nations Development Fund.
- Apart from the Mandatory Debit card account, After clearing the above registeration/conversion process, an individual gains eligibility to have a maximum of 2 (for normal person) & max of 4 (for Business person) accounts at any point of time & all those accounts will be associated with UID as Secondary accounts. NO MORE BANK ACCOUNTS ARE PERMITTED.
(UID should account the Wealth of that person. UID should work beyond the SSN of US.)

2. Renowate all the Government Offices & Establishments with 24x7x365 CCTV cameras & design Glass covered cubicles for every officers, as like in Banks / US Immigration Officers, & make it more spacious, such that, There should be a clear boundary / partition between Government Staffs & Public during interactions. (Increase the Space & Decrease the Mess)
- A Non-Government, CBI monitored/Controlled, Private security agency/call centre to monitor the CCTV footages in a Government office & Establishments for 24x7x365 & inform Corruption Control Room against any suspicious activity.
- All CCTV footage, telephonic & face-face conversations in a Government office & Establishments need to stored in a Highly secured Data Centre for at least 2-5 years, which comes under the Security of Indian Army.

3. Election commision to Pass new regulation rule mandating,
Minimum Eligibility for nomination for Election:
Minimum Graduation in Law/Economics/Finance/Commerce/LabourManagement/Science/Engineering/Medicine/Management with minimum 60% (strictly, without any arrears) as minimum eligibility to register nomination for Election, along with 4 Disciplinary Certificates each from current & previous District Collector (IAS only) & Commisioner/Asst. Commisioner/DIG of Police (All IPS only) from candidates district.

For a Chief Minister Post nomination - Minimum Eligibility,
Should be an retired/resigned Honest IAS/IPS officer (or)
Should have cleared atleast Civil Services Exam (Preliminary) (Group -A) & served as clean MLA/MP for 2 terms
(In either case, Any pending or proven speculations makes ineligible for candidature.)


- Please share your comments & Suggestions...

your suggestions are bit complicated and will create harassment to normal public only. My view on black money and counter corruption is as under.

How to counter Black Money?
1. Simplification of tax laws. Increase IT limit to 5 lacs and then maximum of 25% income tax without any surcharge. Remove all tax exemptions provisions except LIC. Housing loan interest should made fully exempted. Better to remove TDS completely. But, will CA lobby allow to do this simplification.
2. Make laws of excise, vat, custom, service tax very simple that normal non-CA background person can also understand. Surcharge, educational cess on basic tax must be removed and proportionately govt can increase little tax slab. Govt can allocate from that collection why to create trouble for millions of people.
3. Last but most important point of all. Tax exemption from agriculture should be removed completely. This is key source of black money generation. Small farmers did not have to pay since they come under limit only. Only rich farmers take benefit and misuse this law mainly politicians and their relatives/friends only.

How to counter corruption?
Root of corruption is money required to fight election
1. Budgetary provision for elected and second rank candidates. National Political parties should be provided election money according to their winning candidate from central budget. Similarly state elections from the state budget and parties must have to provide their spent account to get such fun...d. CAG should audit this fund. This is one way in the long term we can counter corruption.
2. Business house donation to political parties should be banned strictly. Put heavy penalty to both the parties if they give/take.
3. Simplification in all the laws like Income Tax, Vat, Excise, Custom. Only one tax in the form of GST as alternative to all the taxes is good move and should be made much simpler. Make simple law, which common man can understand, so no question of breaking the laws.
3. Strong and independent Lokpal bill must be framed which should made accountable to all including PM, President, CJI, MP, secretaries, and even election commissioner. Since all are Indian citizen first and so they are holding the post. So, all should be accountable. All other agencies like CBI, CVC, can be merged in Lokpal to make it more strong, powerful and independent.
4. CJI can be omitted if separate judiciary bill would be there. This will have parallel check on govt.

Please don't think this as an harassment to public, we have been harassed already in our day to day life & many might have forgotten what kind of harassment that they are underwent/undergoing.
Whatever i suggested are just an alternate method of doing the regular activities. But in a cleaner system. Here the government is going to undergo the change not the Public. Some time back, people transacted only through cash, now they are using many cards, along with cash ; NOW-ON they are going to use only CARDS for transactions above 500, that's it!!!
As many believe, and i too, change has to come from the individual; so Now the individual has to change & changing or adopting to a new well defined system, will not be harassment, instead it will be a festival.

Very first, Rules are already in place, but they are built on a weak platform; problem is there is no fool proof method currently in place - take any field there is a cheat way - we need to cement it & reinforce it with extra strength. After correcting the platform we shall redefine/alter the rules that were built on it.

Regarding "How to Counter Black Money" comments - Can any (at-least in this forum) say that it is impossible to evade from paying taxes??? If this is not fixed then why we need to re-frame the tax rules??? Neither increasing IT limit nor altering the exemptions or any such farmer stuff will do this (Tax slab & these like stuffs cant be permanently designed - These will vary based upon the economy conditions only, If you make any change in these then that is only for next 2 or max 3 years, again there will be a need to re-frame the tax slabs, atleast ). We need to have a system in place to enforce the success of process execution, where we currently lag - Once this is addressed any policies can be framed on top of that.
Answering this: By enforcing the Point 1 (suggested by me), all the transactions will happen only through a system, which had been mapped with the UID. A simple click of a button will scan through the Bank records of the accounts mapped with UID to generate your IT report. No Individual filing is needed - Let the system auto-file your IT. Say, If you had paid LIC premium for that financial year then the system is going to automatically deduct it from your Taxable income, in accordance to whatever section it needs to be.

Now coming to "How to Counter corruption"
THe Root of Corruption is not just money required to fight election - It is a aftermath - why first such people wants to fight in election, is it just to Fight election or is it their fate to do corruption just to Fight election - NO, they need Loads n Loads of Money , Politics is the cheapest way, in fact ROI is high, Take any scam & just do the math - To win election is not the Motive of spending such huge money in elections, instead the Money that they will be earning, sorry stealing, after they win is the actual target.
In Initial days, there is no need for advertisements (so called Political campaigns), but take the recent years & see that the money spent on advertisements would have exponentially increased.

And , i shall say that, merging organisations like, CBI, CVC, etc is also not a good act, instead such powerful organisations need to have a constant tap on their expertise area of the organisations, which needs to be monitored.

ANd another major problem in current day is PROOF or WITNESS for any case to have it proved. IF the UID associated Bank accounts are place - Then the individuals all account transactions will be tracked simply. And since 500/1000 rs notes are banned, heavy amount transactions will not happen, considering a bribe of 1 lakh, it takes 10 bundles of 100Rs notes to make 1 lakh instead of 1 bundle of 1000Rs or 2 bundles of 500Rs currency - Handling 1 bundle makes probability of getting noticed as very less compared to 10 bundles. And, since every money the person handles gets in/out through the UID associated account - It will drastically reduce to evade corruption.
Just by pulling the account details/scanning through UID, the horoscope of a persons financial status can be pulled damn easily.
In addition, Renovation of government offices, as i said in Point 2 (of my comments) enables the clear visibility of happenings in Government office & this as well will hold record for Proof or witness for the allegations, is any arises.

Of course, i am not arguing that corruptions happen only with politicians & government offices, because of some politicians/government staffs (that too because of whoever got caught in scam cases), some good politicians/staffs are as well blamed. _ lets not take it focusing on a particular group - Not just politicians, many are corrupt, starting from religious to scientific to social service to business to any. So we should not patch a particular branch, INSTEAD WE NEED TO STRENGTHEN THE ROOT - STRENGTHEN IT SUCH THAT IT IS FOOLPROOF, NON-HACKABLE, AND CHEAT PROOF.

Please share your comments.

of course once UID implemented corruption tacking will be bit easy and will reduce it. online process is always better to avert bribe. ex. banks, even ST, excise, IT online return process reduce bribe.

but your suggestion practical for big/small cities only or say towns... but remaining area which is about 60% will have transaction problem though they will have UID.

simplification of laws is best way to counter corruption. govt. empl take adv of it for bribe which common man cant understand. thats why simplification needed which is part of transparency only.

root of corruption is of course money req to fight election... money power in election was started and misuse by Indira gandhi. before that it was limited impact. thats why budget funding is necessary. i was this opinion since long but so many eminent editors and economist and now politicians (after immense pressure to act against corruption) like sonia/rahul also recommend this. This strong lokpal will definitely have psycological impact on govt. empl. corruption firat initiated from govt. dept only and thencommon people also made it normal practice.

"Simplification of Laws" is very much a generic term & i shall say it only as a myth. Our country is so diversified, with lots n lots n lots of sub-branches , in fact with many trunks. THe main reason why our Law is complicated is because of the same diversification that our Country has in its & Yes, that is one of the Pride of our nation as well. By means of Diversification, we have different levels of people, with difference specific needs - We need to make law considering the whole mass. If you have any such or drafts of Simplified Laws, probably let us have a talk on that. BUT what i shall say is, Simplifying law as a whole is a Myth.

Probably i do not understand your idea on Root of Corruption... But what i understand is, An individual does Corruption for his personal benefits (Say, Money or Power, in fact both goes hand-in-hand) & so a family or group or team. So one among-st the many such domains where Corruptions happen is, Politics. To do politics, you need to Win election - To win election You need to show power - and as i said "Money is Power" - Means Spend Money to show Power (for eg., Election Campaigns) - Now Win the Election - Get your Personal Benefit done.
The Spending on Elections are the actual Investments, It is not the ultimatum of Corruption, Instead the Electoral Win-The Power-And the Money earned out of the Power to become More Power is the actual agenda of doing Corruption.

In Simple, it is just for money & Power; not for just for any electoral campaigns.

Now coming to the 60% of country will have transaction problem.
(Very first i am not sure whether the 60% of the nation is facing this problem, BUT keeping that as a magic numbers...) Yes, its agreed, But wait, What shall be the % of contribution of those 60% of the country towards current Nations Corruption & Black Money. I dont have any idea or data on that. But roughly speaking, by considering the amount of business/transactions that happen in the rest 40% of the nation, it shall be somewhere around 10~20%. But consider this, the output of the 60% of the nation will not be consumed only within the 60% of the nation, it has to pass through the 40% of the nation & without the help of 40% of the nation, the 60% of the nation will not run, and vice versa.
By all this i didn't mean that we will not have the system in place for the 60% of the nation.
Lets do things in parallel. Lets not forget that India has Huge man power & talent. Setting up the Infrastructure for Internet Transactions should not be a big deal. Grant a Tender to Reliance Communications or Tata, see how fast they setup the infra structure. They have that much of capability. But currently they are not setting up for the retail Mobile/Internet usage as they don't see it as a viable market to earn money.
So the infrastructure limitations, should not be a big deal.

All Please share your comments...

conty diversification and simplification of law has nathing to do with each other. GST is upcoming replacing vat, excise, service tax is part of simplification. this GST also should have minimum tax slabs and sub clauses.

yes spending of election thats huge that you agreed thats main thing. when MP/MLA elect from us only when elected for first time has many things in mind i will do this and that for country. but when he see that he has spent about a crore from his pocket first he will thing from where i recover this and vicious circle starts. he make money and observe that its quite better way for easy money and man greedy nature makes unstoppable. lower empl corruption is nothing against this huge corruption of nexus between politician, bureaucrats, corporates. if politician not to spend for election, no money from corporates by way of donation and if its state funding for political parties then this nexus will brake.

now another major corrutpion at gram panchayat level by talatis, sarpanch for land dealing. this is very huge and this all cant be traced in UID. since no IT on agriculture so most of them will be cash transactions. so actually IT exemption from agri should be remove completely. this is main root for black money.