HDFC Bank: Pawn your wife's gold now -- No documents needed!

 9th October, 2016: A lot of HDFC Bank customers are having a bad experience. Some are even having nightmarish experiences... and it's all thanks to the fine art of glibly selling them financial instruments and other stuff they don't need. One friend who wrote to me after reading my recent article about how HDFC Bank routinely abuses it's customer's trust and fiduciary relationship, saying, "Krish, your gripe about HDFC Bank exceeding the limits of fiduciary relationship is absolutely correct. But why pick on HDFC alone? I get similar spam mails from ICICI, Kotak, etc. Upon complaining, I was told to read the last line of these mails and unsubscribe if I did not want to receive such mails."
My reply to his query: "I picked HDFC because I have experience of its activities at first hand. But I also wrote about SBI Mutual and ICICI Bank in that article."
And then my friend wrote: "Here's a promo mail from AXIS Bank."
What we can see is, Axis Bank, while promoting its own credit card business, simultaneously markets multiple third-party brands. Such marketing emails violate Section 8 of the Banking Regulation Act, 1949 (Amended in 2013), which says: "Prohibition of trading... No banking company shall directly or indirectly deal in the buying or selling or bartering of goods... or engage in any trade, or buy, sell or barter goods for others..." Section 6 of the Act lists what kind of businesses banks may engage in. Promoting apparels, malls, superstores etc. is not permissible.
Axis Bank's promotional email is followed by a lengthy disclaimer that threatens you and denies everything. But enough about product sales. Selling insurance products is not a legitimate banking business either, but see this email from HDFC Bank:

The bank's customer feels helpless to click "Unsubscribe" or mark such emails as spam, as they are bundled with emailed accounts statements. Saying no to spam means saying no to email statements.
HDFC Bank branches are sales points for a lot of stuff. They surround you with posters, standees, pamphlets and young relationship managers chasing monthly targets. Ask anyone for your account balance --- and you lay yourself wide open to HDFC's hardsell. Give someone your customer id and you give him access to find out how much money you have in fixed deposits, and when they mature.
HDFC Bank markets Gold Loans as an impulse purchase. "45 minutes, no paperwork" is HDFC Bank's promise. So if you are a market speculator with an itch to invest in some hot scrip, you need a few lakhs to fund this impulse purchase, and you need it now. HDFC Bank says, "Psst, psst. Raid your wife's jewelry cupboard and pawn her gold. WE WON'T ASK YOU ANY QUESTIONS! DO IT NOW.
45 minutes, no paperwork -- overdraft against Gold Jewellery
Or, you are a housewife who has the urge to splurge without consulting her family. To her, HDFC Bank is saying, "Just go ahead, honey, pledge your gold. DON'T THINK, JUST DO IT NOW! Live for the moment!"
Having pawned off their gold, HDFC Bank's customers find that the bank personnel can armtwist or blackmail. Read this complaint from an aggrieved customer in Mumbai: "I the undersigned holding Gold Loan A/c. No. 21114 with your esteemed HDFC Bank, Yogi Nagar Branch for Rs. 130,200/-. Last week I visited your Yogi Nagar Branch for renewal of my Gold Loan. I meet Lady Officer (name unknown) and informed her to renew the same and asked about details for the same. She refused to provide any details and filled one cash deposit slip with account number details and amount and told me to pay Rs.11680/- to the Teller. I paid the same at the Teller and given the Counterslip to that lady. She cross/cutted the account number mentioned on it and given it to me back. The said renewal charges are not accounted to my loan account but deposited in her personal account... She has also not given the Renewal documents for Gold Loan and refused to provide the same."
Since documentation is minimized, so are safeguards against abuse. Relationship managers and other para-banking employees can play mischief. There are sad stories unfolding all over the country in the name of gold loans.
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Note: Next article is about the nightmare of an HDFC Bank customer from whose accout thousands of rupees are being deducted every month against his will through Electronic Clearing System (ECS), thanks to HDFC Bank's ability to toss documentation to the winds. Dekhiye iss dharavahik ki "ugly" kadee 🙂

4

 October, 2016: Imagine you are having a gynaec examination. With his rubber-gloved fingers inside you, the gynaec starts a casual chat about why you should buy his home-grown brand of condoms and intimate products. Creepy? Yeah, well, but that's how HDFC Bank and other private-sector banks work. Actually, HDFC Bank is like if your gynaec collects real-time information about when and with whom you have sex, what kind of sex you are habituated to, exactly when you menstruate, what kind of lingerie and sanitary pads you are currently wearing, etc. and then this gynaec goes and hires a bunch of MBAs and college freshers, calls them "Relationship Managers", lets them hang around his clinic pretending to be gynaecologists themselves till you start feeling comfortable enough to tell them about your intimate problems.

Then your gynaec goes and gives these relationship managers access to your information on their computer screens, with monthly targets for selling you condoms, sanitary pads and other intimate products. They call you and make you feel important by calling you a preferred customer, and giving you a platinum card. So, if your periods are four weeks late, you get a call that goes like: "Good morning, ma'am, I am Nikhil, your personal banker. May I interest you in visiting our abortion clinic? Oh, you don't want to abort? My apologies, madam. May I take this opportunity to gift you an early booking in a maternity home with whom we have a tie-up? We also have a tie-up with Amazon for incredible discounts on maternity gowns and chocolate-flavoured condoms this Diwali. When can I come and meet you to book your orders?"

Bankers are routinely privy to salary details, annual income, etc. that it is their business to know. However, the salesmen and women who hang around your bank have no business to know your financial details. HDFC Bank branches have a bunch of glib young men and women who are very approachable and go out of their way to fill up account-opening forms, etc. for you. Just because they sit inside the bank, you think they are "bankers" and you never hesitate to ask them to access your account on their computers. So these sales people get to know private things such as a huge cash-flow into your accounts when your life insurance policy matures, or you take VRS, or sell your house, or book profits in the share market.

If you are flush with funds, your "personal banker" says, "Sir, can I interest you in our tax planning products to reduce your income-tax and capital-gains tax liability?" Alternatively, if you are struggling to pay credit-card bills, frequently overdrawing your current-account, breaking fixed deposits prematurely, etc., your relationship manager nudges you to take a personal loan or gold loan which he knows you are unlikely to repay in time. Loan disbursal lets him meet his monthly targets and earn commissions, and when you default on repayments, heavy penalties and foreclosure of your gold loan helps the bank reap handsome profits. Predatory lenders used to be called loan sharks and pawn-brokers! How the times have changed!

HDFC Bank is like if your gynaec collects real-time information about when and with whom you have sex, what kind of sex you are habituated to, exactly when you menstruate, what kind of lingerie and sanitary pads you are currently wearing, etc. and then this gynaec goes and hires a bunch of MBAs and college freshers, calls them "Relationship Managers", lets them hang around his clinic pretending to be gynaecologists themselves till you start feeling comfortable enough to tell them about your intimate problems.
Customers are set up for systematic long-term exploitation by HDFC's bankers and non-bankers acting in concert.

Here's a real-life anecdote: An elderly couple walked into an SBI Bank branch to fill up their 15H form, so that TDS would not be deducted on their interest income. A friendly-looking lady sat them down at her desk, filled up their forms for them, and persuaded them to invest Rs 3 lakhs in SBI Mutual within 15 minutes. The only reason that the elderly folks trusted this woman is that they thought she was a full-time bank staffer, whereas she was actually a freelance sales agent! .

Another anecdote: ICICI Bank organized free Aadhar Card camps in the foyers of a residential building in a posh Borivali neighbourhood. While one solitary minion sat in in the foyer taking fingerprints, mugshots, etc., half-a-dozen bank officials hung around persuading the waiting people to open accounts with ICICI Bank, and visited their homes on various pretexts. And they were pushy – it was very difficult to say no to them! Why are banks so keen on opening lots of accounts? Because it "provides customer base for ongoing cross-sell through branches". In other words, every account holder is a potential customer for credit cards, loans, etc.

And now, back to HDFC Bank. Let's look at their online behaviour.
As a customer, I have given my email address to HDFC Bank to enable them to keep me informed of my account balance, etc. Here's an example of an acceptable email from HDFC Bank:
Emails giving you updates about your HDFC account balance are ethically OK... but these are the narrow end of the wedge.
But then HDFC Bank doesn't stop at that. Here's an example of a salesman-like email, which is tolerable only because debit cards are an intrinsic part of modern banking:
Even selling ones own product by unsolicited emails should be off-bounds for banks.
Emails selling you the bank's debit card services seem ethically OK, but only because banking and debit/credit card businesses are so inextricably mixed up.
But HDFC Bank doesn't stop at selling their own products either, they try selling you other companies' offerings, earning advertisement revenues like a newspaper company. Here's an example:
Surely, advertising Amazon's festival sale is beyond the boundaries of the client-banker relationship. Advertising cannot be considered a part of a bank's regular activities.
Emails like this one really cross the line from banking to advertising and marketing. Using its own customer base for marketing the products of other unrelated companies, is abuse of the trust that customers repose in bankers.
Surely, advertising Amazon's festival sale is beyond the boundaries of the client-banker relationship. Advertising cannot be considered a part of a bank's regular activities. Is this why we give the bank our email address? Using the bank's customer base as a captive market for selling the products of other companies is abuse of trust and misuse of the client's information!
HDFC Bank earns a large proportion of its revenues from third party product sales, fees and commissions. See this slide from HDFC's investor presentation:
Using the bank's customer base as a captive market for selling the products of other companies is abuse of trust and misuse of the client's information!
The box on top right shows that third-party product sales is a source of fees and commissions for HDFC Bank. The bullet points at the bottom shows that Fees and Commission form about a quarter of other Income (non-fund revenues) of the bank.

Bottomline: In their mad race for year-on-year growth, retail bankers are crossing over some boundaries of the client-banker relationship. HDFC Bank is abundant in examples of this unwholesome trend.

These may not necessarily be adequate grounds for filing complaints to RBI or the banking ombudsman, or for going to consumer court. But this distasteful behaviour shows a tendency to exploit the customers' ignorance, dependency and blind trust in their banks.

[Please share your experiences. Email or call me.]
ISSUED IN PUBLIC INTEREST BY
Krishnaraj Rao
9821588114
krish.kkphoto@gmail.com


POSTED IN PUBLIC INTEREST BY
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9323642081
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1 October, 2016, Cuttack: Before doing business with a judge's brother, think twice. In the year 2000, Ravenshaw, a 150-year-old college, signed an MOU to start professional courses in "public private partnership" with Star Computer Institute Pvt. Ltd., belonging to BJP politician Biswajit Mohanty, son of Barrister Ranjit Mohanty, and brother of Orissa High Court's second-seniormost judge Indrajit Mahanty. In 2011, this MOU was renewed for a further three years. Upon the MOU's expiry in 2014, Ravenshaw (which was now no longer just a college but a full-fledged university) decided not to renew their MOU with Star. In the process, Ravenshaw incurred the enmity of Biswajit Mohanty's elder brother, who proceeded to give them a taste of pure hell!
Ravenshaw is a grand old institution with 8000 students and 90 faculty members, and a sanctioned strength of 153 faculty. It became a University through an enactment in 2005, and was bound by UGC's guidelines, which said, "No university whether central/state/private can offer its programme through franchise agreement even for the purpose of conducting course through distant mode." But, given the money and prestige involved, businessman Biswajit Mohanty was in no mood to leave the campus peacefully. So the matter went into arbitration, and also, in November 2014, an FIR was registered against Biswajit Mohanty because he allegedly "entered the University campus with five other persons and misbehaved with staff and students of the ITM department using the most filthy language". The police complaint said that Biswajit Mohanty threatened them, saying, "If you don't refrain yourself coming to the ITM department, I would assault you by entering into your home".
And then, in March 2015, came the judgment of the district judge to the arbitration petition filed by Star Computer Institute while the arbitrator's final order was still awaited. The judgment upheld Ravenshaw's right to terminate the MOU. The FIR and this adverse judgment against Biswajit Mohanty provoked his big brother Indrajit Mahanty, who took all the high court cases concerning Ravenshaw into his hand.
Until then, Ravenshaw's cases were heard by single benches such as Justice S.C. ParijaJustice Biswanath Rath, and Justice Sanju Panda, and many orders and judgments were favourable to Ravenshaw. Multiple writ petitions filed in 2015 against a recruitment advertisement issued by Ravenshaw, were initially posted in the single judge benches of Justice B.N Rath, Justice Dr. B.R Sarangi and Justice Dr. A K Rath, and later, all recruitment matters were brought to the court of Justice B.R Sarangi, where they remained stayed for 7 months. Then, on 9th December 2015, a division bench of Justice D P Choudhury and Indrajit Mahanty overturned the earlier judgmentsfrom 2014, quashed the recruitment, and slammed Ravenshaw on almost every count. This bench -- dominated by Justice I Mahanty who is almost a decade senior to Justice Choudhury (currently the junior most judge in Orissa High Court) – went on to initiate two suomotu civil contempt proceedings. Between March and May 2016, Justice Indrajit Mahanty passed eight orders on various cases that showed Ravenshaw who was boss!
On 9th December 2015, a division bench headed by Justice Indrajit Mahanty overturned the earlier judgments from 2014, quashed the recruitment, and slammed Ravenshaw University.
The orders and judgments mentioned in this article (including FIR and District Judge's arbitration order) can be downloaded fromhttp://tinyurl.com/Ravenshaw-cases
Questions arise about our judiciary's integrity:
  1. Was Orissa's Chief Justice Vineet Saran ignorant about Justice Indrajit Mahanty's special interest in Ravenshaw University? Or did he consciously allow Justice I Mahanty to use the court system to settle scores?
  2. Unknown to India's common man, is our judiciary generally functioning in this way? Do many of our judges have an axe to grind? Is it normal for some judges to say to each other, "I want to teach that party a lesson, so transfer that case to me"? Do they quietly manipulate and attract some cases to their own court?
The main issue is not whether Justice Indrajit Mahanty is a good guy or a bad guy. It's also not whether his judgments and orders in Ravenshaw matters are judicially correct or otherwise. The key issue is, why did Orissa High Court allow Justice Indrajit Mahanty to give judgments on Ravenshaw, where he had a vested interest?
What happened afterwards: After activist Chittaranjan Mohanty, on behalf of the 8000 students of Ravenshaw, petitioned the Chief Justice of India and Chief Justice of Orissa High Court in July 2016, all Ravenshaw-related matters were taken away from Justice Mahanty.The division bench matters were assigned to a bench headed by Justice S.C. Parija and the single bench matters were assigned to Justice Debabrata Dash who hears all service matters. A PIL is about to be filed for review of the judgment and orders of the Division Bench headed by Justice I.Mahanty in Ravenshaw recruitment matter.
ISSUED IN PUBLIC INTEREST BY
Krishnaraj Rao
98215 88114
krish.kkphoto@gmail.com
POSTED IN PUBLIC INTEREST BY
Sulaiman Bhimani
9323642081
Related Articles

Judge Indrajit Mahanty's incestuous ties with Trade Unionist Biswajit Mohanty

 

"Victims of RNA Corp." OR Victims of Any Unscrupulous Builder, What are the options available for Home Buyer and Aggrieved Flat Owners in Redevelopment Project

How to File a  against a Builder, What are the options available 

Any citizen can file a case against a developer. There are several options and situations under which a property buyer can file a complaint. Types of complaints are:

  1. EOW
  2. Consumer case
  3. Suit for Specific Performance of Contract

On the following grounds in which a property buyer can drag an incompetent property developer on violations/ breach of ground

  • Non-execution of relevant sale agreement despite having received a substantial advance amount
  • Non-issuance of copies of all relevant documents viz.; development agreement, power of attorney, sanctioned plan (by concerned Regional Authorities), specification of construction materials/design as per sanctioned plan and any other relevant documents
  • Charged higher than the agreed amount
  • No issuance of proper receipt(s) against the paid amount
  • Poor quality construction
  • Delivering of a house not complying to agreed specifications
  • No free parking space within the premises
  • Did not form a co-operative housing society and handed over to members
  • Non-provision of water storage tank
  • Non-provision of proper ventilation and light
  • Delayed possession beyond the stipulated time limit
  • Not obtaining completion certificate from the concerned registered (by the authorities) architect
  • Non-issuance of Occupancy Certificate at the time of delivery of respective flats/house to its occupants
  • Non-declaration of expenses against which the developer collected money

And many more…

Any project falling short of above listed causes home buyers to approach for remedy from options available 1 to 5 

1) Cheating Case (EOW) - Jointly or Individually Legal Complaint

2) Cheating Case (EOW) with Private Complaint to the Metropolitan Magistrate (MM)

3) Specific Performance in High Court

4) National Commission if agreement value is more than 1 Crore (New Delhi)

5) State Consumer if agreement value is less than 1 Crore (Mumbai)

How to file a complaint against a builder in the Consumer Court? 

With builders coming under the clause of being a service provider, the process of filing a consumer court complaint against them is the same as with other service providers. To file a complaint, you need to adhere to the following steps:

  • Send a well drafted Legal Notice to the builder stating your reasons of discontent
  • Await for a response for the stipulated time from the other party
  • On no-response, prepare a petition stating facts and evidences with the help of expert legal advice
  • Approach the Consumer Court and file your petition against the builder

As per a judgement passed by the National Commission in the case of Jayantabhai Ranka and Arunaben Kapadia vs Ravi Developers, the Commission pointed out that the cause of action on the builder continues till the allotment of the site or full refund of money on refusal to allot.

This means, no matter how much the delay, the builder is liable to properly honour his service agreement. The other important point that this particular case also highlighted is that ‘each property developer is liable to execute an  agreement for sale’. And failure to do so can be a cause of action against the builder in the Consumer Court.

You may simultaneously approach EOW with legal advice along with Consumer Court Case

1) Cheating Case (EOW) - Jointly or Individually Legal Complaint

2) Cheating Case (EOW) with Private Complaint to the Metropolitan Magistrate (MM)

This option of specific performance in High Court is little expensive but result oriented all you need a good Advocate and result can be expected in 4 to 8 months where as in consumer court it may take 12 to 24 months

This option is expensive as you have to pay court fees the upper cap of the court fee is Rs 3 Lakh the court fee structure calculation table is given for your reference

COURT FEE SLABS

SLAB-A = FIRST RS. 15,00,000 --------------------------------------- RS 31,230.

SLAB-B = RS. 15,00,001 TO RS. 26,00,000-------@RS 2,000/RS 1,00,000.

SLAB-C =ABOVE RS. 26,00,000------------------------@RS1,200/RS 1,00,000.

SLAB-D = FIXED -------------------------------------------------------------RS 200

e.g. COURT FEES FOR RS. 30,00,000, 40,00,000, 50,00,000, 75,00,000 AND 1,00,00,000 ETC. CAN BE CALCULATED AS UNDER:- 

VALUESLAB-ASLAB-BSLAB-CSLAB-DTOTAL

(A+B+C+D)

30,00,00031,23022,000 4,80020058,230
40,00,00031,23022,00016,80020070,230
50,00,00031,23022,00028,80020082,230
75,00,00031,23022,00058,8002001,12,230
1,00,00,00031,23022,00088,8002001,42,230

For Court Orders in Favor of Home Buyers and Aggrieved Flat Owners in Redevelopment Project  click the link below
http://wakeupindia-designer.blogspot.in/2016/09/consumer-court-case-order-in-favor-of.html 

http://wakeupindia-designer.blogspot.in/2016/03/hc-pulls-up-aa-estate-pvt-ltd-arm-of.html

Issued in Public Interest by
Sulaiman Bhimani
9323642081
sulaimanbhimani11@gmail.com 

RNA Cartoon

20th September, 2016, Cuttack: Justice Indrajit Mahanty – the second-seniormost judge of Orissa High Court -- hears cases and gives orders that enrich his brother Biswajit Mohanty, a well-known lobbyist for private educational institutions. Justice I Mahanty's many interim orders are in alignment with the commercial and political interests of his brother. Judges are expected to recuse himself from hearing cases where their kith and kin's interests are involved, but Justice Indrajit Mahanty overrides such niceties without batting an eyelid.

Indrajit Mahanty and Biswajit Mohanty are both sons of Barrister Ranjit Mohanty, and are both inheritors of the Barrister Ranjit Mohanty Group of Institutions. While Indrajit Mahanty is not directly hands-on in the education business, Biswajit Mohanty is chairman of the BRM Trust and runs many private educational institutes such as BRM International Institute of Technology (BRM-IIT). Biswajit Mohanty is also a trade unionist and lobbyist, who heads Odisha Technical College Association (OTCA), which lobbies for filling up more seats in such colleges, along with Odisha Private Engineering College Association (OPECA). OPECA files public interest litigations, writ petitions etc, while OTCA and Biswajit Mahanty maintain a slightly low-key presence. While their lobbying poses as championing the students' rights, bear in mind that more filled-up seats means fatter profits for Biswajit Mohanty and his fellow "educationists".

For the past 7-8 years, OTCA and OPECA are at loggerheads with Orissa state government, which is keen on making the CBSE-conducted Joint Entrance Examinations (JEE) the only criterion for filling engineering seats. The Orissa High Court division bench headed by Justice Indrajit Mahanty has leaned in favour of OTCA and OPECA.In 2014, Supreme Court stayed Orissa High Court's orders for holding a special JEE i.e. OJEE, but in 2014, 2015 and 2016, the high court division bench (which inevitably had Justice Indrajit Mahanty even while other judges, like Justice DP Choudhury and Justice BK Nayak, changed), ordered that a special OJEE (Orissa JEE) be conducted for seats remaining vacant after the JEE (Mains) counselling. 

 

It is strange that although news items regularly appear about what Biswajit Mohanty says about JEE, and what orders Justice Indrajit Mahanty passes about JEE for that particular academic year, the media takes care to avoid mentioning the two brothers names in the same news item! The public may be fooled by this conspiracy of silence, but political parties are not fooled. Recognizing the value of his demonstrated power to sway the high court, BJP lovingly embraced "Pugi-bhai" Biswajit Mohanty in 2015, amist loud drama-baazi.

Being highly educated, intellectual and articulate, Judge Indrajit Mahanty understands the conflict of interest in hearing cases tied up with his brother's business. With open eyes, Justice I Mahanty keeps dishonouring his constitutional oath of office, whereby he swore to serve the country "without fear of favour". Thankfully, whistleblowers are giving us lots of documents to build up a convincing case for impeaching this Orissa High Court judge.

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9821588114
krish.kkphoto@gmail.com

Posted By

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9323642081
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10th September, 2016, Cuttack: One is puzzled by the accounting treatment for Justice Indrajit Mahanty's Rs 2.5 crore working-capital loan for his hotel, The Triple C. Lakhs of rupees are withdrawn and repaid every month in two SBI loan accounts in the name of "Justice Indrajit Mahanty" and strangely, not in the name of Latest Generation Entertainment Pvt. Ltd., the company that has leased the hotel from him. As a High Court judge, Justice I. Mahanty gets a monthly salary of Rs. 1.35 lakhs, and therefore is liable to pay Income Tax. But repayment of principal plus interest could reduce or eliminate his taxable income. Suppose his tax returns are dodgy, can Income Tax authorities summon his lordship personally for questioning u/s 131 of Income Tax Act, and compel production of his lordship's books of account?

We asked Mr Binoy Gupta, a retired Chief Commissioner of Income Tax (CCA), who holds a Ph.D. in Law. His reply was: "There are no exemptions in any law for any Supreme Court or High Court Judges from any judicial or quasi judicial proceedings. Our department has taken action under the Income Tax Act against them."

We requested Mr Gupta for case studies (with or without the names of the judges) to substantiate his claim of having taken action against judges. His response was: "I can not give any instances today. But I stand by my statement that Judges of the Supreme Court and High Courts have no special status so far the applicability of Income Tax Laws are concerned."

And then Mr Gupta added that bringing a judge to justice is a tough job. He wrote: "If any govt. servant engages himself in business, his department can and does take action. But the procedure for taking action against Judges is far too complex... impeachment which is extremely difficult."

Given the absence of case studies and other details of judges being held accountable by Income Tax authorities, our gut feeling is: IT authorities will never dare to summon his lordship, because (a) they would be in awe of a high court judge, and (b) because the high court has superior jurisdiction over the Income Tax department, and not vice versa. Even if judges do not enjoy de jure immunity from quasi-judicial and administrative authorities, they enjoy de facto immunity. No government official will risk rubbing a high court judge the wrong way by questioning him, even if the law permits him to do so!

Justice Indrajit Mahanty may or may not have broken any laws, but he is definitely in breach of the code of ethics on multiple counts. Must we all act like Gandhi's three monkeys and remain silent?

In return for such unquestioned authority and immunity, judges are expected to keep their affairs transparent and straightforward, by abstaining from business activities. Their income should ideally consist of their salaries, and interest on fixed deposits etc. -- nothing more complicated than that. To quote YK Sabharwal, former Chief Justice of India, who spoke on the Judicial Canon of Ethics, "Almost every public servant is governed by certain basic Code of Conduct which includes expectation that he shall maintain absolute integrity... manage his financial affairs in such a manner that he is always free from indebtedness, and not involve himself in transactions relating to property with persons having official dealings with him." Please note that seeking building permissions, bank loans, hotel licenses, etc. etc. are all transactions with the government, administration and public sector, who all have "official dealings" with a high court judge in his judge-like capacity. Such transactions adulterate the purity of Justice Indrajit Mahanty's judgment.

According to the Restatement of Values of Judicial Life (adopted by Full Bench of Supreme Court on7th May, 1997), "A Judge should not engage directly or indirectly in trade or business, either by himself or in association with any other person. 

And according to the Bangalore Principles of Judicial Conduct, 2002, "A judge shall not only be free from inappropriate connections with, and influence by, the executive and legislative branches of government, but must also appear to a reasonable observer to be free therefrom."

Read all these documents on judicial ethics and in that context, understand the significance of Justice I Mahanty's actions. Justice Indrajit Mahanty may or may not have broken any laws, but he is definitely in breach of ethics on multiple counts.

So, must we all remain silent like Gandhiji's three monkeys? Must we all adopt a policy of See-no-evil, hear-no-evil, speak-no-evil when it comes to judges? Must the adulteration of our judicial services be allowed to continue under cover of a conspiracy of silence?

ISSUED IN PUBLIC INTEREST BY
Krishnaraj Rao
9821588114
krish.kkphoto@gmail.com

Posted By 
Sulaiman Bhimani 
9323642081 
sulaimanbhimani11@gmail.com