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On Short Term Crop Loans - BRIBES & Documentation cost and Interest cost 8% for average 3 months  Translates to 36+ Interest Rate on compounding.


On Short Term Loans - BRIBES & Documentation cost around 12% for average 2 Years, @ 14% is 40-45% Charge in 2 years or 21%+  Rate on compounding.


Banks Take Rs.1 Cr As Collateral For Rs.2 Lakh Loans UnlikeIndustry Which Invariably FUND More Than Project Cost Farmers REFUND Bank Loans As Soon As Possible.


Agriculture Credit FRAUD on 800m Farmers Short & Long Term


As Farmer’s agitations are coming up across India I is important to highlight FRAUD of Banking Credit to Indian Farmers which are Incompetently Represented in Lok Sabha & Rajya Sabha and mislead by rich Farming Leaders like Ajay Vir Jakhar.


Dimension of the Fraud is such that even RBI has not released data for four years.


Loans Issued Rs.4,53,800 Cr – Outstanding Growth Rs.13,785 cr

Long Term Loan Issued Rs.1,07,162 cr - Growth Rs.13,785 cr


Here in the tables for 2010-11 and 2011-12 it is Clear that Long Term Credit to 800m Farmers barely increased from Rs.2,05,755 Crores to Rs.2,19,540 Crores or Rs.13,785 Cr – Credit to Mukesh Ambani’ RIL alone this year went up from Rs.1,38,000 Cr to Rs.1,60,000 cr or Rs.22,000 cr.


Credit to 800m Indian Farmers - Short Term [Couple Months]

& Long Term for 2010-11 & 2011-12 [Rs. Billions]

Year2010-11Loans IssuedLoans Outstanding
Short Term690.381460.63385.602536.61496.451932.62406.632835.70
Long Term90.83767.2954.05912.17270.291643.22144.042057.55
Total   3448.78   4893.25


Year2011-12Loans IssuedLoans Outstanding
Short Term818.292178.97470.113467.37445.172690.30465.803601.27
Long Term61.34949.8060.481071.62280.281742.68172.442195.40
Total   4538.99   5796.67


Ravinder Singh, Inventor & Consultant, INNOVATIVE TECHNOLOGIES & PROJECTS

Y-77, Hauz Khas, New Delhi-110016, India. Ph; 091- 9718280435, 9650421857

Ravinder Singh* is a WIPO awarded inventor specializing in Power, Transportation,

Smart City, Water, Energy Saving, Agriculture, Manufacturing, Technologies & Project


The Telecom Regulatory Authority of India



Kind Attn: Shri Rahul Khullar / Chairman


Sub: Short response of INDIA AGAINST CORRUPTION to the Authority’s consultation paper no. 2/2015 Regulatory Framework for Over-the-top (OTT) services dated 27th March, 2015

On behalf of the India Against Corruption jan andolan “IAC”, I respond to the subject Consultation paper as follows:

At the outset, the IAC congratulates the TRAI for boldly publishing such an over the top paper which graphically illustrates the deep corruption and lack of regulatory depth prevailing in the TRAI.

The IAC congratulates the TRAI for opening debate on an issue which IAC has regularly highlighted to TRAI, ie. Preferential / discriminatory pricing schemes offered by telcos to access non-voice services.

The IAC is concerned that TRAI did not have the balls (also known as “spine”) to take up the issue of discriminatory pricing for non-voice services when the undersigned complained about Reliance Comm – aka RCOM – during “Objections to Draft TTO (59th Amendment) submitted on behalf of INDIA AGAINST CORRUPTION” dated 12.Oct.2014 which is accessible at and elsewhere, and may be deemed as an integral part and parcel of this response.

The IAC is concerned, and this is not the first time we have conveyed it to you for your own benefit, that the highest echelons of TRAI have self evidently become so weak, pliable and toothless, starting from yourself, that the TRAI is unable to discharge its primary statutory mandate of protecting the consumers.

In these circumstances, IAC strongly objects to be co-opted into this little farce persons within TRAI have devised to benefit the Telcos – and specifically to benefit 1 telco – who is actually not even a proper telco yet. I refer of course to Mr. Mukesh Ambani’s impending 4G venture which the whole of India is waiting for.

At this point, IAC would like to remind the TRAI what we conveyed in our objections to the 59th draft TTO

Our reasons for this lie in clause 7 of the TTO 1999 which is completely discriminatory for the small consumers vis-a-vis the corporate and bulk users whose negotiated tariffs are exempt from reporting. As a consequence Telcos / ISPs are selling way below cost to corporates but gouging the unorganised general consumers. Accordingly, India Against Corruption has decided to organise the general category of telecom and internet consumers to negotiate better tariffs for their communication, and oppose such discriminatory and predatory amendments which cause us to doubt the integrity of the person/s proposing it.

That IAC is unwilling to play “20 questions” with the TRAI, mainly for the reason that TRAI does not have the intellectual capacity to match ours. I need not remind the TRAI that you were unable to reply to IAC’s detailed response, objections and submissions on the Media Ownership issue. Thereby exposing that TRAI’s consultations are a hollow formality and sham.

Related download: IACs Reply to TRAI Summary of Consultation Issues Media Ownership

That the short response of IAC to the TRAI’s consultation paper no. 2/2015 is as follows:

That if TRAI cannot protect the consumers, then you can take your said document, roll it up tightly, and ram it up your bum”.

That IAC’s long response will follow after a) “anal”ysing the millions of “spam” protests demanding “Net Neutrality” sent to you, which incidentally appear to IAC as being organized by Mr. Mukesh Ambani’s 4G associates / minions over their vast media cross-holdings, b) counter-commenting on the same, c) participating in the TRAI’s Open House/s and so on.

Most Respectfully Submitted in the larger public interest of behalf of IAC.

With best wishes

yours faithfully

Er. Sarbajit Roy
National Convenor
India Against Corruption, jan andolan

Address: B-59 Defence Colony, New Delhi – 110024


tr.v. blind·sid·ed, blind·sid·ing, blind·sides. 1. To hit or attack on or from the blind side. 2. To catch or take unawares, especially with harmful or detrimental results

Too much of a good thing, as the idiom goes, is bad. Excessively bright light can be more blinding than pitch darkness. The glare of the limelight, another popular adage, often hides smaller events in its daylight. Which is all to say by way of saying that democratic India has just (re)discovered the blinding effect of big numbers, even if in a relative sense. Take, for one example, 282 out of 545. Take, for another, 67 out of 70. Within the range of statistics thrown up by Indian politics, these are staggering numbers, even historic ones.

So what’s wrong with that? In one word: everything. Among the oft-touted clichés in India is that of the country being a plural democracy, of there being unity in diversity. But suddenly two elections have thrown up scarcely believable numbers. Admittedly, in the run up to the Lok Sabha elections there was hardly any credible opposition to the heavily PR-reliant campaign of Narendra Modi, but even the most clued in observer did not see such a massive mandate coming.

A virtual retake has just played out at the Delhi Assembly Elections, with the Aam Aadmi Party railroading all political opposition into virtual oblivion and winning a mandate that has left even their supporters bemused. Speculations of political hara-kiri by opponents abound now as well as they did during the Lok Sabha elections. Indeed there are some indicators of grave miscalculation, such as the drafting in of Kiran Bedi as the BJP’s potential CM candidate. Even so, the numbers are frightening.

The first question is, rather obviously, that of the health of our democracy. Does an absolute mandate truly imply that all voices speak as one? Or does it mean there are political manipulations beyond the comprehension of the average voter? The former cannot be seen as a good thing, even if it sounds cynical to see it as herd mentality than true consensus. The plurality and diversity of India have always ensured that one man’s Peter is another’s Paul, to mix metaphors. For everyone to see a messiah in one political choice is, at least for me, a hard fact to digest.

There are other voices that have addressed the latter question of political conspiracy, see, for instance, this piece by @Vidyut. I have already ranted on the existence of a “Bhangress” a seamless political unit manifesting partly as the Bharatiya Janata Party and partly as the Indian National Congress, which are in turn controlled by such capitalists as the Ambanis. A cartoon in The Hindu prior to last year’s Lok Sabha elections had shown Mukesh Ambani holding the strings of two puppets representing Rahul Gandhi and Narendra Modi. The only question is whether the Aam Aadmi Party is/can become an extension to this amorphous political monster, allegations against the Ambanis by Arvind Kejriwal notwithstanding. This premise has gained fodder with the recent dismissal of Yogendra Yadav and Prashant Bhushan from the AAP’s Political Affairs Committee in a move that seemed to have the tacit approval of Kejriwal himself. The Party’s upcoming National Council meeting might be the last word on its future, and it remains to be seen whether the coterie around Kejriwal, which is being accused of conspiring to commandeer power within the AAP, will result in the de-democratization of the Party, the efforts of volunteers notwithstanding.

Even assuming this does not come to pass – that Kejriwal’s AAP does represent, and continues to be, a reasonably honest political alternative, the teetering of electoral figures from one extreme to another suggests a deeper and more devastating malaise: a total political vacuum. This swing from voting en masse for the BJP to literally handing the town keys to the AAP is only a real life running from pillar to post by a frustrated and impatient electorate that wants to see change happen and preferably happen yesterday.

When the AAP first seemed poised to become a political entity of some reckoning, I had mused whether its failure to do so would see a return to type by those that had supported and elected it, i.e. would they go back to their candle-light dharnas at India Gate? That question still stands, if more nakedly now - if the AAP fails to deliver on even a fraction of their promises, will “India’s teeming millions” finally confront the problem they’ve been hiding under the limelight for so long? Will they finally fess up to their lack of imagination in choosing to pass the buck rather than find solutions until there is no one to whom the buck may be passed?

It is interesting to note the insistence by Kejriwal, at least at one point, upon understanding the notion of Swaraj, which may be translated without loss of meaning as self-governance. There is, of course, a delicious irony in choosing a government to help you self-govern, especially if one comprehends self-governance in the literal, individual sense rather than the collective sense of a citizenry. Swaraj, for me, does not equate with the political right to self-determination as a citizenry. In the Gandhian sense (which I hope I have understood correctly), the term refers to adopting a lifestyle that imposes on another life in the least manner possible while working to create a greater whole cohesively.

Perhaps Kejriwal hopes that the citizens of India will eventually become harmoniously functioning individual cogs within the interlinked machinery of society. But is he prepared to acknowledge that living breathing cogs are more likely to be anarchic rather than continuously operate under the guidance of a greater will, for the supposed greater good? Without even debating the patent absurdity of society as a machine, it remains to be seen whether the victory in 67 out of 70 assembly seats is indicative of Delhi’s citizens choosing to be such cogs, in the hope of, so to speak, a better life in a better city.

The Great Game blog has an interesting post by Shelley Kasli that caught my eye.

The Kingmakers

But many a king on a first-class throne,

If he wants to call his crown his own,

Must manage somehow to get through

More dirty work than I ever do.

—W.S. GILBERT in The Pirates of Penzance
quoted in David Ogilvy’s memoir

On the day the 2014 Lok Sabha Election results were announced, amidst the media hype and public frenzy while the people took home hope in their hearts and smiles on their faces Mukesh Ambani added almost $1 billion to his wealth while Gautam Adani gained $400 million. However this is not the story of Kings, but the Kingmakers. The story of the nobles of an ancient Celtic clan with close ties to the Queen who as managers of the Raj made their Empire managing opium production in India and later in the scramble for China. Improvising on the psychological warfare techniques developed by the Nazis during World War II and under the direct order from Churchill these band of irregular spies were sent to US to carry out covert propaganda to change US public opinion and drag US to war. After the war these same group had no scruples in applying the psychological warfare methods they had learned on the civilian population in peacetime and a transition was made from active propaganda operations during the war to careers in advertising and public opinion surveys afterwards. Interestingly today India stands on the same crossroads with foreign spies running rampant on Indian soil as was the America in the mid 40s. The divine intervention of the British Intelligence is omnipresent. This is the story of the shadowy world of British Intelligence who managed the Indian Election campaigns of both the BJP and Congress through their Psychological Warfare outfits we now know as PR agencies.

Read more:

David Ogilvy – PsyWar with a Suit

In those days it was the fashion for diplomats to regard Intelligence Officers as unprincipled ruffians. We returned the compliment by regarding the diplomats as ceremonial and gutless.

- DAVID OGILVY, Blood, Brains and Beer

The post looks at the players influencing minds in this election and meanders through history tracing linkages of power and their evolution and ties in with implications for today's India and raises several important questions. What are the agendas at play here? Who profits? At what cost?

The post meticulously ties various threads from the history of intelligence operations and power and references book after book for obscure insights that add in to the picture with quotes that drive the point home.

David Ogilvy - British Intelligence - Baker Street Spies - Indian Elections-GreatGameIndia
David Ogilvy - British Intelligence - Baker Street Spies - Indian Elections-GreatGameIndia

When those tasked with influencing the nation's mind have historic ties with international power brokers, what happens to the nation's interest? Does the influence even remain limited to what the objective of the party was? What implications does this have for the country?

Should foreign PR Firms the handy outfits of Intelligence Agencies be allowed to manage any political party’s election campaigns ?

The question is more serious and not just related to any specific party since through these agencies psychological warfare is employed on unsuspecting citizens country wide who have no clue about any of these. This raises serious national security concerns.

When billions of dollars are invested by these firms in micromanaging our election campaigns due to any particular party’s political, ideological, monetary or other alliance with them, the question that the people of the country should be asking is when and how they would start reaping their profits from the pockets of ordinary citizens.

Report by Shelley Kasli


The role of paid media in putting the final touches on the Narendra Modi facade.

As Modi's war on India reaches its final stages, skilled professionalism carefully wipes out any specks on the elaborate facade.

  1. Mukesh Ambani sues the government for his oil prices, seemingly without waiting for a BJP rule, just in time for elections. In an astonishing display of media independence, all of Indian media refuses to serve his interests even if he owns major stakes in several of them, and plod along determinedly covering cliches. They, with their ready intellectual panels don't lift a finger to help his interests. Yeah. Right. Because gas prices are hardly a national issue! Why should they cover when the election circus is cued for broadcrebuttingast? At best, this is to create a perception in the minds of people that Ambani isn't counting on Modi to lay golden eggs. The timing of the reminder is very elegant too. Day after campaigning ends in Varanasi, so no question of anyone reminding which MLA controls which portfolios in Gujarat and since when, on the ground in Varanasi.
  2. Carefully scripted news interviews to known supporting journalists have served to project a facade that Modi has answered critics transparently, when he wasn't criticized at all on the interviews. Interviewers have managed to not ask him anything that will get him nailed. Some of this has been so blatant, that the India TV interview was ridiculed for having an applause track in the form of a worshipful audience the way comedy shows have a laughter track - regardless of what he said. This saw Qamar Waheed Naqvi, editorial director resigning in disgust, though Rajat Sharma seems to not understand what was wrong with the interview. After all, it was live, no?
  3. Print interview carefully authored by someone not Modi, in language way beyond anything Modi has shown competence with carefully plaster over some of the more skillful perception juggling that Modi probably couldn't handle in person. Thankfully, this interview finally upgrades the Modi trolls from the Subramanian Swamy issued "Naxals" to "Maoists" apart from the perception mongering of Modi as a moderate leader. Incidentally, this is the same Modi that called "trophy" "toffee" in a speech attended by thousands. "Anachronistic" and "detriment" used by Modi? I haven't heard him speak English that well ever, and not even his Hindi speeches cover the meaning of these words in the manner used in the interview. Would like to hear the audio recording of the interview to believe it isn't paid media.
  4. Within two days, Modi appears before the usually shouting, now silent Arnab, manages to speak uninterrupted for as long as he likes and fixes another major criticism of Maya Kodnani being on his cabinet saying there were no charges against her when he appointed her. Right. An FIR 12 days after the riot couldn't result in charges in five years, is what he is saying, in super efficient Gujarat. So which one does it mean? Super efficient at preventing criminals from coming to justice or so efficient that entire fact finding committee reports couldn't make the Chief Minister aware of the grave acts of Maya Kodnani? Arnab lets it pass like the lamb that he is.
  5. The interview with Arnab actually goes a step ahead and claims Modi to be the victim of media not reporting things he says. This is rather rich, speaking on a channel that officially ran tags mud slinging his opponents using interpretations worthy of being issued by BJP trolls themselves and on the same day as Modi hogging Prime Time TV as per CMS media analysis was the other important headline related with him. And he actually says "When I made her a Minister, she was not facing any charges, for your information. But still, I feel she has the right to get justice for herself from many courts. As a citizen, she has that right. Let her have it." Has he forgotten that Maya Kodnani was convicted? He still doesn't seem to think there was any mistake in appointing her to power. Lucky for him, Arnab is such a tolerant fellow.

These are just some examples, but the final stage of the Modi make up is basically to collect all criticism and answer it in a way that fools all but those aware of issues with open collusion with the media. The task now is to present plausible explanations for as much criticism as possible before people press buttons on EVMs - whether the explanation is true or not.