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CIBIL Reports, Resolution of CIBIL Disputes, CIBIL Clearance (All Banks), Income Tax Returns, IT Notices, Payment of Taxes, Problems with PAN, Passports, DigiLockers (GOI), Bank Death Claims, Insurance Claims, Succession Issues, Drafting Wills, Legal Financial Matters, Translation of Deeds and Birth Certificates. Selecting Partners for CIBIL Consultants.

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9814915812

(Ashok Goyal – Retd Chief Manager PNB)

CIBIL Consultants 448 Dalima Vihar Near Lakshmi Narain Mandir Rajpura 140401 Punjab.

Aadhar Enrollment, Updation and Print, Voter ID Print and Updation, Passport Appointments, Deposit and Withdrawals from Banks, SBI – CSP Services, Money Transfer Western Union, Ria and Transfast, PAN Cards, DigiLockers, Astrology, Utility Bills, Railway and Cheap Air Tickets, Pension Payments, Life Certificates.

samadhankender@gmail.com

9316077749 (Navneet Sood) and 9914540600 (Vipan Gupta)

Samadhan Kender, Patiala Road, Near Bikaner Mishtan Bhandar, Rajpura 140401 Punjab.

Sunday, May 28, 2017

Important Notice by Samadhan Kender

From the Desk of the Founder of Samadhan Kender - Important Notice to Public:


Service and Contact Mail ID
Mobile Number

Physical Location
CIBIL Reports, Resolution of CIBIL Disputes, CIBIL Clearance (All Banks), Income Tax Returns, IT Notices, Payment of Taxes, Problems with PAN, Passports, DigiLockers (GOI), Bank Death Claims, Insurance Claims, Succession Issues, Drafting Wills, Legal Financial Matters. Selecting Partners for CIBIL Consultants.
9814915812
(Ashok Goyal – Retd Chief Manager PNB)

CIBIL Consultants 448 Dalima  Vihar Near Lakshmi Narain Mandir Rajpura 140401 Punjab.
Aadhar Enrollment and Update and Print, Voter ID Print and Update, Passport Appointments, Deposit and Withdrawals from Banks, SBI – CSP Services, Money Transfer Western Union, Ria and Transfast, PAN Cards, DigiLockers, Astrology, Utility Bills, Railway and Cheap Air Tickets,
9316077749 (Navneet Sood) and 9914540600 (Vipan Gupta)


Samadhan Kender, Patiala Road, Near Bikaner Mishtan Bhandar, Rajpura 140401 Punjab.

This is for the information of the General Public that the Founder of Samadhan Kender has disassociated from the services being provided at Samadhan Kender w.e.f. 01/03/2017 as the Public can see the New Sign Board displayed at Samadhan Kender. However, the following services, which were personally attended by the Founder of Samadhan Kender, will now be available at Expert Consultancy duly verified by JustDial:
  1. CIBIL Consultancy
  2. Personal Tax
  3. Succession Certificates
  4. Drafting of Wills
  5. Difficult Problems Related to PAN Cars, Aadhar Cards and other Proofs of ID, Address, and DOB.
  6. Guidance and Implementation of setting up New Centres like Samadhan Kender including Common Sevice Centres, Aadhar Enrollment Centres, Pension Distribution Centres, Money Transfer Centres of the Western Union and Trans-Fast and all Services being provided at Samadhan Kender.
  7. Selecting Partners for CIBIL Consultants.
General Public can avail the above service at Expert Consultancy with Prior Appointment on Phone. For consulting CIBIL Problems the members the public can join the Premium Whats App group "Solve CIBIL Problems Online".

However, the website of Samadhan Kender developed and conceived by the Founder Expert will be managed by Ashok Goyal, the founder himself and the general public can enjoy updates about the likely problems being faced by the public due to Multiplicity of Proofs of ID, Address and DOB - being issued by Government, Public and Private sectors with impunity without relying on One and only One Proof of ID, Address and DOB.

Jai Hind

Every Problem has a solution but we need to understand the Problem and Get involved into it to Solve the Problem to logical end so as to bring Smiles to individuals facing Problems.

Friday, May 19, 2017

Aadhar The Great Indian Experiment

Aadhaar, a 12 digit Unique Identity Number is being issued in India to all Indian residents based on their biometric and demographic data. The date is collected and controlled by UIDAI, the Unique Identification Authority of India.The Government has spent more than Rs.85368 million on the Aadhaar Project during the years 2009 to 2017. Aadhaar is the largest biometric based ID system in the world and it is likely to be adopted by other developing countries once the Government is India is able to draw the desired results from the Aadhaar through all ID's in India to be linked with Aadhaar which is possible only if the Government of India enacts a law to ban all authorities in India like Schools, Colleges, Universities, Hospitals, Army and Para Military Forces, Government or Private Employers from issuing any manual ID Card but to issue Aadhaar based and linked Digital ID Cards. Moreover, I fear that the Aadhaar Project will be an Utter failure and will not yield any results unless and until the issuance of Birth Certificates, Death Certificates, and Marriage or Divorces Registration Certificates by Registrar of Births, Deaths, and Marriages are not made digital at the grass root levels like villages, panchayats and every new birth, death, marriage, divorces gets updated in the biometric based Aadhaar Data. Aadhaar is neither a Proof of Citizenship nor does it grant any rights to domicile in India, as even citizens of Bangladesh, Nepal, Bhutan and other countries have been able to procure Aadhaar Cards with impunity thanks to the loopholes in the Enrollment systems of Aadhaar.

What went wrong with Aadhaar - History of Events:

So far there was no single Mandatory document in India which could be used as Proof Of ID, Address and Date of Birth and in case the Government of India is able to make the Aadhar Card as one and only one mandatory proof as a National Identity Document, I am sure that the Aadhar Project will be successful as through biometric based Aadhaar authentication any verifying authority in India or even abroad will be able to verify all the other previously held ID documents issued by any authority in India.The enrollment for Aadhaar was based on following previously issued documents by the Indian residents, Persons of Indian Origin, Non-Resident Indians, Foreign Citizens residing in India. Any individual including newly born babies can get themselves enrolled for Aadhaar and child of lesser than 5 years will not have to go through biometric authentication and Aadhar will be issued on the basis of Aadhaar held by mother or father. The parents have to provide birth certificate bearing the name and date of birth of the child so that full-fledged UID Number with Name, Address, and Date of Birth is issued to the child through biometric process immediately on attaining the age of 5 years. Till the child attains the age of 15 years, the parents can get their Mobile Number and Email-ID inserted in the Aadhaar Data of their child. Ath age of 15 years the Aadhaar Holder has to again go through the biometric process. Thereafter it is mandatory to get the biometric data every 10 years and during the intervening period, you can Lock your Biometric Data so that your biometric data is not misused.

As you can see the Aadhar Enrollment is based on 71 previously held documents by the residents of India. The Government should make it possible for the residents to download any of their e-ID like e-Passport, e-VoterID, e-PAN etc online through Aadhar Based authentication and nobody is required to keep and show the manual ID Proofs like PAN, Passports, and IDs. The Government had started the Unique KYC Process at CERSAI but I wonder as to why the Government is hesitating to allow the citizens for linking all their financial products at the Central Registry through Aadhaar Based Biometric Authentication as I still feel that Aadhar can Change Destiny of India.I will discuss each and every document critically about its validity, trueness, fakeness etc:
  • PASSPORT: Generally Passport is a reliable document as it is issued after a thorough investigation through Police Verification and chances of Fake Indian Passports are very bleak. Indian Citizenship is conferred on the citizen only if his or her name appears on the Voter's List which is not linked cent percent to Aadhaar so far to eliminate the fake voters. The government needs to cleanse the National Population Register and Voter's List by linking these data based registers not only with Aadhaar but also with the Registrar of Births and Deaths. For their vested interests, the political and regional parties are the Sates are not in a mood to digitalise their Births and Deaths to eliminate the fake voters. In my opinion, the EVM's in India should be based on biometric pressing of the Election Candidate's election symbol and Government should enable the Voting Process by the Voters from the comfort of their homes through Aadhaar Based biometric login during night hours say 8 PM to 6 AM on the date of voting.
  • VOTER-ID: Having served in a nationalized Bank for more than 35 years and having been closely associated with KYC processes, I used to check the Voter ID Cards of the customers through online state portals of Election Commission in the years 2005-2007. To my surprise, I could see the more than 5 or 6 different Voter ID numbers to the same person living in the same village though the customer used to be in possession of one of the multiple Voter ID Cards issued. Now the Government has taken the right step in the right direction to link the VoterID Cards of the existing electorate with their biometric based Aadhar. But the Government has not taken the hard decision to cancel the Voter IDs which are not linked to Aadhar. While the Aadhar Cards are issued by an authority under Central Government the issuance of Voter ID are left to the State Governments and there is no co-ordination in the working of State Governments with Central Government. State Governments where regional parties are in power will never like to cancel the Voter IDs which are not linked to Aadhar and the Central Government needs to take hard decision of Cancelling all the Voter ID's which are not linked to Aadhaar and further issuance of Voter Cards needs to be facilitation through biometric based Aadhar authentication process. It is not a difficult process as the number of eligible electorates in India is about 814 million as against a total population of more than 1250 million. But it requires a strong political will power to implement the suggestions and also digitalise the birth and death registrations on priority. Moreover, the Government should launch a SELF- AUTHENTICATION PORTAL where all the Indian citizens or residents be allowed OTP- One Time Permission through Aadhar based biometric authentication to rectify their details about their Name, Father's Name, Mother's Name, Date of Birth, Name of Spouse and Residential Address (owned or rented), Mobile Number and Email ID if any - with clear-cut warning that the fresh rectified data based on any one acceptable previously held documents will be treated as valid data to be updated in Aadhaar and which should also travel to all other National, State or Local level ID's issued to the same person.
  • PAN Card: I have seen different individuals with namesakes, particulars having the Same Pan Number and a Single Individual having More than one PAN Numbers. The government has taken the right step to fixing a deadline of 30th June 2017 for Linking PAN Numbers with Aadhar but I still doubt if the Government will stand by its own notification and deadline. If the Government is honest in its intentions than the Government must take the harsh step of freezing all the financial products viz. Bank Accounts, Mutual Funds, Demat Accounts, Insurance Products etc. etc. of all the Individuals, whose PAN Numbers are not linked to Aadhar. If the Government does not punish those who do not abide by the directions of the Government, I fear nobody will listen to the Government directions in future leading and Indians will be known as "Not Law Abiding Citizens". 
  • Driving License: I fail to understand as to why the Driving Licenses are issued by State Governments whereas the Traffic Rules are one and the same for the entire India. I have seen individuals possessing more than one Driving License of Different States and if they commit or breach any traffic rule there is no entry in their Driving History. Government will take a step in the right direction if all individuals pass through the Driving Test conducted by authorised training institutes who can issue the Digital Certificate of having passed the Driving Test with validity of nor more than 10 years, of course, issued through Aadhar Based Biometric Authentication and Such Certificate can include the fetched data like DOB etc in addition to Blood Group Based on Digitally  verifiable Blood Test Report. The individuals should be free to request for e-Driving License downloadable anywhere anytime by applying a National Portal for Issuance of Digital Driving Licenses by uploading the Digital Driving Test Certificates, verifiable online. The individuals can repeat the process 6 months before expiry for obtaining Digital Driving Test Certificate and Digital Driving License anywhere anytime.
  • Bank Pass Book or Statement of Account: All the Banks must have a utility to fetch and auto update the data of the Individuals through Aadhaar Based Biometric Authentication and this can be ensured in the best way if the Government does not hesitate in allowing the citizens for linking all their Financial Products at the Central Registry through Aadhaar Based Biometric Authentication.
  • Mobile Numbers: The Biggest problem in India is of illiteracy and awareness. The Government of India, to Realise its Dream of Digital India must stop the Mobile Operators in India from issuing SIM CARDS to individuals without Aadhaar based biometric authentication and the Government will do well if it issues a simplified Free Mobile Set to every major Person, below Poverty Line in India, pre-registered to the Aadhar Number of the Individual and the Aadhar Based SIMs should work only in Pre-Registered Mobile Sets. The Government of India should declare a complete Black-Out for 60 days on the lines of Demonetisation of Currency through an ordinance whereby all the existing SIMS in India should be frozen and deactivated through Aadhar Based Biometric Authentication. Let everyone in India should have his or her own Pre-Registered Free Mobile Set, Pre-Registered SIM which is linked to Aadhaar Card and the data of Mobile Number should travel to PAN Cards, Voter IDs, Passports, Bank Accounts and other Financial Products and ID Proofs. Strict rules need to be framed not to issue more than 2 SIM Cards to any Aadhaar Card Holder which should get reflected in the Aadhar Profile of the individuals.
  • Nutshell Approach: In a nutshell, all the 71 proofs of IDs, Date of Birth and Date of Birth should be made Digital - downloadable and linkable with Aadhar anywhere anytime in India.
  • Aadhaar Enrollemts: The UIDAI had entrusted the job of Aadhar Enrollment in 2009-10 to more than 200 Private Enrollment Agencies - who organized camps throughout India for free enrollment of citizens on production of previously held any of the two 71 documents listed above. No enrollment was done by the private agencies without the production of any of the documents required for enrollment. I can smell a big scam in the Initial Enrollment Process for Aadhar started in 2009-10 during the Congress Regime. I do not doubt the intentions of the then Government headed by Prime Minister Manmohan Singh, who honestly tried to change the Destiny of India through Aadhar Project. But I can just imagine that to grab the tenders for enrollment process, the private agencies not only quoted bare minimum rates but also earned huge profits by not completing the enrollment process through Maker and Checker concept. The private agencies earned millions and billions of rupees through the ruthless enrollment process and Government made the payments to the Private Agencies without even Test Checking the data entry made by the sub-agents of national level agencies entrusted with the job of enrollments. Following Common Mistakes were done by the Enrollment Agencies:

  1.  Date of Birth was either mentioned as 01st January of the year in the format YYYY or just the year of birth in the format YYYY whereas Voter Cards are issued only on the attaining of the age of 18 years or more. The enrollment agencies should have been provided with the tools to fetch the DOB from Voter Lists and in case of minors, the Birth Certificate should have been made mandatory as Registration of Births and Deaths came into existence prior to Aadhaar Enrollment.
  2. The government has done nothing to make the Matriculation or Degree Certificates to be used as Proof of Identity and Date of Birth by affixing the photograph and inserting the Date of Birth. In my opinion, it will take another more than 25 years to switch to Dematerialization of Important Documents. While some of the states are at ground level zero and other southern states and state of Haryana have made good progress in that direction. Let the Central Government fix deadlines and accountability for not implementing the project under Digital India Program of GOI.
  3. Aadhaar Card becomes redundant if you have Lost Access to the Registered Mobile number and/or email ID. Government and Enrollment Agencies failed in its duty to educate the citizens, enrolling for Aadhar, about the importance of Mobile Number as OTP is received on the registered mobile number only to link the Aadhar with PAN Card, Voter Card, DigiLocker, Driving License, Vehicle Registration and hundreds of Aadhar based services.
I have not discussed the problems being faced by the genuine borrowers on account of wrong fetching of data in CIBIL Reports as I am dealing with so many distorted CIBIL Reports on a daily basis as a renowned CIBIL Consultant. With the auto-linking of other IDs with Aadhar will add to the woes of the public in the initial phases of implementation and Cleansing Data Processes. Let the Government ask the Credit Rating Agencies to fetch fresh data from the Banks and lending institutions after Linking of Aadhar with Voter ID, PAN Card, Driving Licenses, Passports, and other ID Proofs gets completed through a fixed deadline as in the case of PAN Card.

How to Make Aadhar Project Successful: In my opinion to make the Aadhar Project successful in realizing the Dream of Digital India, the involvement of biggest manpower of Senior Citizens and Self-Less People can bring about required changed if the Government provides the necessary infrastructure and facilities along with recognition and free healthcare, bread and butter to willing senior citizens.

Did you like the article, if yes please comment below and give your suggestions. Even if you did not agree with my point of view, you are welcome to make comments below.

Saturday, May 13, 2017

Think Before Linking PAN with Aadhaar

The government has issued instructions to resident and non-resident Indians to link their PAN Cards with Aadhaar and those who do not link their PAN Cards with Aadhaar will not be able to file or e-file their IT Returns for the AY 2017-18 and onwards. Keeping in view the general difficulties being faced by the public the government, in consultation with webmasters of UIDAI and Income Tax E-filing websites, has simplified the procedures to Link the Pan Card with Aadhar.

Which ID Proof is Most Reliable in India
No doubt it is just a less than one minute job and anybody holding valid PAN Card and Aadhaar Card can do it within a fraction of a minute. But, beware - you should not use the above Link provided by the IncomeTax E-filing website in haste lest you may land yourself into trouble. However, if you are already e-filing your IT Return and there are no issues with 26AS or IT Returns filed by you so far then you can use the above link fearlessly. But the individuals, who have never filed their IT Returns in the past must do the following tests:

  • Register on the e-filing website of Income Tax
  • If registration process says that "This PAN is already registered. If you have not registered, please contact 180042500025 (Not Working) as I tried it.
  • Your Problems starts here.
  • Now you have no alternative but to use the forgot password facility and generate the OTP through your new email ID and Mobile Number.
  • After the generation and filling of OTP through email and mobile - the system will ask you to verify your TDS details through TAN details of deductor. If there is no Tax Deduction in your case, I fear you may not be able to take control of IT Profile associated with your PAN Number which might be being used by some other namesake as that of yours.
  • In case you are able to reset the password - there is every possibility that the other person, who is using your PAN Number - wrongly allotted to two different individuals, may cancel the password reset request as the Income Tax website sends emails to both the email IDs - that is email ID of person already using the PAN Card profile and fresh email ID provided by you.
  • In one such case, one of my friends submitted the password reset which is activated by Income Tax website after 12 hours and the email goes to the previous email ID using the profile and the fresh email ID, who wants to take control of the profile.
  • It is just like two twins with same DOB and same names fighting for one wife. Only the parents of the wife can tell who is the original husband of their daughter. Here the parents are NSDL, UTIISL and the Income Tax People - who will decide as to whom the PAN Card belongs.
  • In the above case of my friend, the other twin canceled the password reset request 5 times and my friend was deprived of his right to view his 26AS and enjoy filing my IT Return.
  • Then my friend played a trick. He sent the Password Reset Request at about 11 PM on the night when the other twin might be sleeping. My friend woke up early in the morning to catch hold of his legitimate wife that is same PAN Number allotted to two different persons. Lo, the parents allowed the wife (PAN Number being used by Other Twin) to go with my friend and now he had full access to the IT Profile.
  • Immediately without checking any other details - the friend linked the PAN with his Aadhaar which got completed successfully. Now legally speaking my friend became the true husband of the wife (PAN Card Associated Profile) who was living with his twin for the last more than 10 years and his twin was left helpless.
  • But during the last 10 years, the twin of the friend had e-filed so many IT Returns which could be seen in the profile along with Income Tax Notices. Now it was my friend's turn to face the problem to bear the burn of bringing up the children born out of the live-in relationship of his twin and his wife.
  • Now my friend was left with no alternative but to re-handover the wife to his twin so that they could live in happily and my friend is now in search of the new wife (Fresh Different PAN Number and not Shared PAN Number).
  • My friend got the new wife (PAN Number) as the parents NSDL, UTIISL and Income Tax People agreed to marry their another daughter (New PAN Number) with my friend.
  • But still my friend has not got the legal rights as my friend could not link his Aadhar with New PAN Card and legally speaking - the previous wife(Old PAN Number) is still claiming to be his wife for snatching rights to properties of my friend as my friend could not delink his Aadhar number from old PAN Card.
  • The issue is still pending with the "Matrimonial Court - consisting of UIDAI and the Income Tax Authorities" who have not been able to solve the issue. 
  • I am still hesitating to live with my New Wife (New PAN Card) as I could not grant her legal status by linking it to my Aadhar Card. The system says that "This Aadhar Card is already linked to some other PAN" - and I am in a dilemma as to how to get Divorce from my earlier wife (Old PAN Card).
What Happens when Same PAN Card is issued to two Different Persons:

There is every likelihood that you might be sharing your PAN Number with some other Person. You will have to pass through the above dilemma - and I am still searching for the solution. However, if you decide to apply for a fresh PAN through your Aadhaar authentication then you will have to loose are your Tax Credits so far and you will have to go through submission of New PAN Number to your Employer, Banker or Tax Deductor.

What happens to Multiple PAN Cards:

I have seen people having multiple PAN Cards either out of ignorance or to cheat the Income Tax Authorities and Bankers as CIBIL Reports are generated through PAN Numbers. Now the Government has taken a step in the right direction to get rid of multiple PAN Cards issued to same Persons as after linking one of your PAN Card with Aadhaar, the other PAN Cards will get automatically cancelled and the multiple PAN Cardholder will not be able to get Tax Credits, if any, associated with the other PAN Cards in addition to penalties.

Still, have any doubts, meet this Expert with Prior Appointment.


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