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Originally published by The New Indian Express, deleted without explanation.

MUMBAI: A district cooperative bank, which has Bharatiya Janata Party (BJP) President Amit Shah as a director, netted the highest deposits among such banks of old Rs 500 and Rs 1,000 notes that were abruptly demonetised on November 8, 2016, according to RTI replies received by a Mumbai activist.

The Ahmedabad District Cooperative Bank (ADCB) secured deposits of Rs 745.59 crore of the spiked notes -- in just five days after Prime Minister Narendra Modi made the demonetisation announcement. All the district cooperative banks were banned from accepting deposits of the banned currency notes from the public after November 14, 2016, -- five days after demonetisation -- on fears that black money would be laundered through this route.

According to the bank's website, Shah continues to be a director with the bank and has been in that position for several years. He was also the bank's chairman in 2000. ADCB's total deposits on March 31, 2017, were Rs 5,050 crore and its net profit for 2016-17 was Rs 14.31 crore.

Right behind ADCB, is the Rajkot District Cooperative Bank, whose chairman Jayeshbhai Vitthalbhai Radadiya is a cabinet minister in Gujarat Chief Minister Vijay Rupani's government. It got deposits of old currencies worth Rs 693.19 crore.

Interestingly, Rajkot is the hub of Gujarat BJP politics -- Prime Minister Modi was first elected from there as a legislator in 2001.

ADC bank board of directors screenshot - click to enlarge.

Incidentally, the figures of Ahmedabad-Rajkot DCCBs are much higher than the apex Gujarat State Cooperative Bank Ltd, which got deposits of a mere Rs 1.11 crore.

"The amount of deposits made in the State Cooperative Banks (SCBs) and District Central Cooperative Banks (DCCBs) -- revealed under RTI for first time since demonetisation -- are astounding," Manoranjan S. Roy, the RTI activist who made the effort to get the information, told IANS.

The RTI information was given by the Chief General Manager and Appellate Authority, S. Saravanavel, of the National Bank for Agriculture & Rural Development (NABARD).

It has also come to light, through the RTI queries, that only seven public sector banks (PSBs), 32 SCBs, 370 DCCBs, and a little over three-dozen post offices across India collected Rs 7.91 lakh crore -- more than half (52 per cent) of the total amount of old currencies of Rs 15.28 lakh crore deposited with the RBI.

The break-up of Rs 7.91 lakh crore mentioned in the RTI replies shows that the value of spiked notes deposited with the RBI by the seven PSBs was Rs 7.57 lakh crore, the 32 SCBs gave in Rs 6,407 crore and the 370 DCCBs brought in Rs 22,271 crore. Old notes deposited by 39 post offices were worth Rs 4,408 crore.

Information from all the SCBs and DCCBs across India were received through the replies. The seven PSBs account for around 29,000 branches -- out of the over 92,500 branches of the 21 PSBs in India -- according to data published by the RBI. The 14 other PSBs declined to gave information on one ground or the other. There are around 155,000 post offices in the country.

Fifteen months after demonetisation, the government had announced that Rs 15.28 Lakh crore -- or 99 per cent of the cancelled notes worth Rs 15.44 lakh crore -- were returned to the RBI treasury.

Roy said it was a serious matter if only a few banks and their branches and a handful post offices, apart from SCBs and DCCBs, accounted for over half the old currency notes.

"At this rate, serious questions arise about the actual collection of spiked notes through the remaining 14 mega-PSBs, besides rural-urban banks, private banks (like ICICI, HDFC and others), local cooperatives, Jankalyan Banks and credit cooperatives and other entities with banking licenses, the figures of which are not made available under RTI," he said.

The SCBs were allowed to exchange or take deposits of banned notes till December 30, 2016 -- for a little over seven weeks, in contrast to district cooperative banks which were allowed only five days of transactions.

The prime minister during his demonetisation speech had said that Rs 500 and Rs 1,000 notes could be deposited in bank or post office accounts from November 10 till close of banking hours on December 30, 2016, without any limit. "Thus you will have 50 days to deposit your notes and there is no need for panic," he had said.

After an uproar, mostly from BJP allies, the government also opened a small window in mid-2017, during the presidential elections, allowing the 32 SCBs and 370 DCCBs -- largely owned, managed or controlled by politicians of various parties -- to deposit their stocks of the spiked notes with the RBI. The move was strongly criticised by the Congress and other major Opposition parties.

Among the SCBs, the Maharashtra State Cooperative Bank topped the list of depositors with Rs 1,128 crore from 55 branches and the smallest share of Rs 5.94 crore came from just five branches of Jharkhand State Cooperative Bank, according to the replies.

Surprisingly, the Andaman & Nicobar State Cooperative Bank's share (from 29 branches) was Rs 85.76 crore.

While Maharashtra has a population of 12 crore, Jharkhand's population is 3.6 crore. Andaman & Nicobar Islands have less than four lakh residents.

The poorest of all the cooperative banks in the country is Banki Central Cooperative Bank Ltd in Odisha, which admitted to receiving zero deposits of the spiked currency.

Of the total 21 PSBs, State Bank of India, Bank of Baroda, Bank of Maharashtra, Central Bank of India, Dena Bank, Indian Overseas Bank, Punjab & Sindh Bank, Vijaya Bank, Andhra Bank, Syndicate Bank, UCO Bank, United Bank of India, Oriental Bank of Commerce, and IDBI Bank (14 banks) -- with over 63,500 branches amongst them -- did not give any information on deposits.

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Workshop on Prevention of Child Marriage was held on 8th and 9th November, 2012, at Greenwood Resort, S.G. Highway Ahmedabad. This workshop was organized by the Department of Social Justice and Empowerment, Gandhinagar, and UNICEF Gujarat. Mr. R.S. Patel, Director of Social Justice and Empowerment Department and CEO of Gujarat State Child Protection Society and Mr. Lolichan, State Consultant, UNICEF Gujarat has inaugurated the workshop. Legal Officer and Protection Officer - Non Institutional Care from most of DCOUs across the state and Child marriage Prevention Officers from five districts and CHILDLINE Coordinator from Ahmedabad and Rajkot were participated in this workshop.

Child marriage is a social norm that requires effort of multiple stakeholders to address the issue and that the main purpose of the workshop was capacity building of key stakeholder to preventing child marriage in the state. Another aim of this seminar was gaining clarity on the legal framework for preventing child marriage in Gujarat context. And the last but not least purpose was the prepare action plan for preventing child marriage

In initial session, Mr. R.S. Patel, Director of Social Justice and Empowerment Department, Gandhinagar and CEO-GSCPS has given a brief on the historical background of child marriage. He said that it may differ by community but there are so many rituals exist in our society which is at the root of the problem. He also added that if we want to prevent our children from an earlier marriage than we should work with local community leaders and parents. In the same session, Ms. Hemalee Leuva has described Child Rights and given an overview of problems faced by children in Gujarat state. She described that around 47 per cent of children are malnourished and 63 percent of children drop out during their 8 to 12 standard’s studies. She added that Gujarat as state, with 38.7 per cent of women aged 20-24 were married before they were 18 years; however, state fairs better than national average in this regard. However there are certain districts within a state with higher prevalence, such as Banaskantha 55.3%, Patan 54.5 %, Dahod 44.8 %, Baroda 44.4 %, and Kheda 44.4 %.

She then presented that in Gujarat the number of convictions of those charged with committing child marriage is very small. Since the passing of the Prohibition of Child Marriage Act 2006, the total number of applications received reporting Child marriage in Gujarat is 1831. But only in 391 cases these kinds of marriage were prevented and just in 21 cases punishment or penalty has been issued. Due to lack of evidence 1064 applications have been rejected and 107 cases are under court hearing and 228 cases are still pending.

In the second session, Ms. Advaita Marathe, Consultant, UNICEF Gujarat presented the key findings of her research on field documentation of child marriage. The documentation was carried out in 5 districts of Gujarat covering 13 blocks and total 29 villages. She presented that child marriages are not limited to the poor, the uneducated and backward castes but it prevails across all classes and castes in Gujarat. The younger daughters in the family are married into family along with the elder girl to save expenditure.

In evening session, Ms. Bharti Ali, Co-Director, Haq: Center for Child Rights, Delhi has given presentation on Child Marriage Prevention Act 2006. She presented that before the commencement of this act, Sharda Act 1929 was existed. She said that this new act is emphasizing on prevention of child marriage, rather than just stop happenings of such incident. If concern person wants to prevent child marriage, then he should follow a few steps. Firstly, he should inform to Child Marriage Prevention Officer of the particular district. After getting information from people, CMPO will send a fax or email to police to help prevent child marriage. Then he should ask to court in written to issue stay order to stop such happening. A person should keep in mind that this stay order will be for only particular places. So if he has doubts that couple can marry some other place than it is indeed that we should ask to court to issue stay order for the whole district or large geographical area. After this kind of stay order of court, if marriage of that couple happens in banning area, then it’s totally illegal.

By: SAM Nasim

In the last session, Participants were divided into five groups to work out on strategy for cause. An action plan for preventing child marriage in Gujarat has been prepared. The seminar ended with an appreciation for valuable guidance provided by resource persons, and all stakeholders for their active participation.

This information was shared by Amrat Chaudhari, Ahmedabad based Freelance Social Worker, previously working as City Coordinator at Ahmedabad CHILDLINE 1098 (National 24 X 7 hours toll free help line for children in need of care and protection). Amrat can be contacted at amrat_999@yahoo.com

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