BREAKING NEWS ""****IBA to restrict the negotiations on Charter of Demands of Officers' Associations up to Scale-III only post dated 07.07.2017***** 1st Wage Revision meeting of 11th BP was held on 2-05-2017 T- Tuesday See details outcome. post date 04.05.2017 **********11th BP charter of demand posted 20.09.2016***DA FOR BANK EMPLOYEES FROM FEBRUARY 2017 TO APRIL 2017 0.9% decrease*****Penalty awaits those accepting cash in excess of Rs. 3 lakh and above in any transaction*****INCOME TAX CHART FY 2017-2018******Out of 2.15 lakh ATM in India only 40000 ATM in Rural Are --- HOw the problem solve- blog post date 26.11.2016*****Goods and Services Tax (GST) – What is it and how would it affect Business activity in India ----must read post date 05.08.16****"Bank Merger List finalized in Ministry of Finance See mega list where you are?????******Aug 2016 DA increased 35 slab (3.50%) ie 455 @ 45.50% For Pensioners increase 29 slab****BANK MERGER FINALIZED SEE MERGER LIST OF INDIAN BANK*****Expected DA for MAY 2016 – Bank Employees posted 14.03.2016"****Income Tax Slabs and Rates for FY 2015-16 and AY 2016-17**"Basic comparision Bank Staff vs Lic employee ....See where the Bankers stand.......""**** created inside my main blog please visit for latest 11th BP news first"*****New DA FORM FEB 2016 WILL BE 43% for bank employee****PAN for cash transactions over Rs 2 lakh mandatorys****Comparison of Salary of Bank Staff and Central Govt Staff post 7th CPC must read must read ***** Government Plans to Privatize IDBI Bank: Jayant Sinha*** ****Three Bank may be forced to look at a merger in 1st stage*****Indian Overseas Bank and Bank of India look particularly weak-report by Moody's Investors Service************""

Monday, August 21, 2017

Union cabinet headed by the PM Narendra Modi has passed the FRDI bill if this bill passed by parliament your job unsecured

Dear Comrades,
Union cabinet headed by the PM Narendra Modi has passed the Financial Resolution and Deposit Insurance (FRDI) Bill on 14-June-2107. This is not just another law.
Thie FRDI Bill, if passed by the Parliament.Then the following things will happen.
1. DICGC will be abolished
2. A Corporate body called 'Resolution Corporation' will replace DICGC
3. Salary and Remuneration of Bankers will be reduced as per Sec 44 (3-c)
4. On Merger or Amalgamation of Banks, Workmen employees will be sent home as per Sec 49 (i) and (j).
5. The Corporation Board can list any bank as unviable and Liquidate it. (Chapter 14)
6. All the Employees will be sent home without any notice on Liquidation of banks.(Chapter 14)
7. No Court can question the action of liquidation and the Board will become all powerful. Sec 64
8. Depositors will not get 1 Lac as assured by DICGC. But only a part payment of the minimum amount decided by the Board.
9. Assets of the Banks can be sold to any person at the discretion of the Board. Sec (65)

I have mentioned just 9 points but the bill run for 147 pages. From this anyone can imagine the draconian nature of the Law. After presidential election all the process will be smoothly executed.
Comrades, Dont you understand your energy is diverted towards Wage Revision Talks with a toothless body called IBA?
Please dont waste your energy with Bipartite now.
Put the Condition " Scrap the FDRI Bill and Insolvency Bill" before any talks.
Immediately form a legal team of UFBU to study these bills.
Send the Memorandum to all the Members of Parliament.(Official email List I can provide)
If needed go for All India Strike.
Any new bill/policy introduced by this Govt against Bankers should be studied, discussed and opposed strongly by Trade Unions but unfortunately the support rendered by the members and leaders to any efforts made by handful of leaders is also not to the mark. But on the other hand the Govt, RBI and BBB are studying the pulse and feeble response of majority of Leaders and Unions to such policies/announcements and moving even harder than before.
Comrades, If any of you feel that it is not possible to stop this bill then kindly give the responsibility of leadership to someone who is positive and vibrant enough to work hard to save our nation.
We are in 'Do or Die' situation now.
Please 'DO' ....We cadres are ready...

Im attaching a Press statement made by Com.C.P.Krishnan, GS, BEFI TN against these bills.
Press Statement issued by T.Thamilarasu and C P Krishnan opposing FRDI Bill, 2017
On 14th June 2017, “The Cabinet, chaired by Prime Minister NarendraModi, approved the proposal to introduce the Financial Resolution and Deposit Insurance (FRDI) Bill, 2017. The bill will pave the way for set up of Financial Resolution Corporation to deal with the bankruptcy of the Banks, Insurance Companies and Financial Entities” according to the media reports.
Accordingly the Public Sector Banks (PSBs) including State Bank of India (SBI), Insurance Companies including Life Insurance Corporation of India(LIC), Regional Rural Banks (RRBs) and Co-operative Banks face the threat of closure/liquidation, if they are classified as having material risk to viabilityin the judgement of theBoard of the Resolution Corporation.Bank Employees Federation of India strongly deplores the move of the Central Government to introduce this bill and urges the Government to withdraw its proposal.
It is to be reiterated that these public sector financial institutions have been created to serve the ordinary masses besides marginalized and under-privileged sections of the people.
Out of the total Non-Performing Assets (NPAs) 88.4% is the creation of the large borrowers with the loan exposure of Rs.5 crores and above. On top of it, 12 large borrowers constitute 25% of the NPAs.
According to the Economic Times dated 26.06.2017, RBI told banks to set aside at least 50% of the loan amount as likely losses for all cases referred to the insolvency process; the regulator also said that provisioning should be 100% for those cases that don’t get resolved in the initial mandatory period for loan restructuring and instead are forced into liquidation.
It is now clear how ‘efficiently’ the law of Insolvency and Bankruptcy Code (IBC), 2016 would be utilized. If Banks have to make 50% or 100% provision, then what is the use of this law?
The present BJP Government has no political will to recover the NPAs from the corporates. Hence it attempts to show the performance of the PSBs in poor light and then liquidate them through the new bill cleared by the Union Cabinet on 14th June.
56 RRBs spread over 600 districts with around 23000 branches have been rendering excellent service to the rural people by lending almost 80% of the total advances to the poor and marginalized. Further there is a demand from the Unions/Associations to strengthen RRBs by providing adequate man power and improving their infra-structure. Despite poor support from the Government, only four RRBs incur loss. That may be cited as an excuse for the Government to wind them up.
The co-operative institutions which have been extending real service to the common man, have been weakened to some extentas 370 Central Co-operative Banks with around 14000 branches and 93000 Primary Agriculture Co-operative Societies were kept away from the note-exchange exercise during demonetization period. The losses incurred by these institutions due to farm loan waiver announced by the Government were not fully reimbursed by it. This hasfurther weakened their financial stability. These institutions which were exempted from payment of Income Tax are forced to pay the same through a change of law made about a decade ago. Due to these faulty policies, some of the co-operative institutions suffer losses for some period.The same may be attributed as their inefficiency and quoted as the reason for liquidating them.
Despite stiff competition posed by the private insurers, the Public Sector LIC stands number one in terms of market share and service in the Life Insurance sector with no competitor anywhere near LIC. The four Public Sector Non-Life insurance companies continue their dominant position with regard to market share and service to the common man in spite of unethical competition by the Private Insurance Companies imposeddue to the defective policy of the Government. There cannot be any reason for their closure even remotely.
In this backdrop, it is incomprehensible why such a bill is attempted to be brought. The move of the Government lacks any logic or reason. This is yet another deliberate attempt to serve the Corporates by encouraging more and more private banks in the name of small banks or payment banks and keeping our country’s door wide open for Foreign Banks.
BEFI strongly condemns the move of the Central Government and calls upon all the Trade Unions and democratic forces to resist the move of the Government to close down Public Sector Financial Institutions and defeat the same. BEFI also appeals to all the patriotic minded Members of the Parliament to oppose the Bill, when introduced in the Parliament.

General Secretary

Call for Strike on 22nd August stands.

On 16th August IBA called UFBU for discussion on its Strike notice. As nothing positive emerged, strike on 22nd August 17 stands.

Today's (18.08.2017)
*Conciliation meeting*
with Chief Labour commissioner
 at Delhi failed.
*Call for Strike on 22nd August stands.*

Sunday, August 20, 2017

Bank Strike On August 22 To Protest Against Proposed Reforms

United Forum of Banking Unions (UFBU), the umbrella body of trade unions in the banking sector, has called a nation-wide strike on August 22 to protest against the reforms proposed by the Centre.

West Bengal convenor of UFBU, Siddhartha Khan said that the government is ushering in privatisation and consolidation in the Indian banking sector in the garb of reforms.

He said that the Bank Board Bureau had been formed to bring all the public sector banks (PSBs) under a banking investment company and get the government's share in PSBs below 50 per cent. 

Rise in the gross NPAs of all the PSBs to Rs. 6.83 lakh crore was also a major cause for concern and the banking system's financial health was suffering due to provisioning.

"The banks are giving very little stress on recovery of bad loans and taking recourse to either write-offs or provisioning," he told reporters here on Thursday.

Saturday, August 19, 2017

RBI Chief Urjit Patel Says State Run Banks Need More Capital

State-run banks will need more capital to resolve bad loan problems weighing on their balance sheets, Reserve Bank of India Governor Urjit Patel said on Saturday, adding his voice to calls for increased capital injections into lenders.

More than $150 billion of bad debt is crimping credit growth in Asia's third-largest economy and the government and central bank have been trying to ease the burden on state-run lenders, which account for 70 percent of all lending, to get more credit flowing.

Patel said that the regulatory challenges of tackling bad loans were compounded by the weak capital position of some banks, particularly those owned by the government.

"The success and credibility of all the resolution efforts would be critically contingent on the strength of public sector bank balance sheets to absorb the costs," Patel told a conference in Mumbai.

"The government and the Reserve Bank are in dialogue to prepare a package of measures to shore up capital in a time bound manner."

Extra capital could be raised either by getting funds from the market, through the government diluting its stake in state-run banks, through additional government capital infusions, or the sale of non-core assets and mergers among lenders, he said.

"The early signs are encouraging. However we all must realise it will be a long haul before the intended objective are fully achieved," the governor said.

Patel also said that banks, whose weak lending discipline he blamed for the mountain of problem loans, would need to take haircuts as they tackle bad debts.

Moody's Investors Service said in June that the 11 Indian state-run banks that it rates could need up to Rs. 95,000 crore ($14.8 billion) in equity capital by March 2019, far above the Rs. 20,000 crore the government plans to inject into state banks by then.

The central bank in June identified 12 of India's biggest loan defaulters and said creditors must pursue bankruptcy proceedings against them, part of a new bankruptcy regime that regulators are compelling lenders to use to recover debts.

India's Finance Minister, Arun Jaitley, said on Saturday that effective supervision was needed to ensure a company's functioning did not come to a standstill, and that its valuable assets were preserved, during the insolvency process

source ndtv profit

Friday, August 18, 2017

Comparison of salary between bank P.O. and Income Tax Inspector as July 2017

Comparison of salary between bank P.O. and Income Tax Inspector

Negotiation on 11th Bank Bipartite is currently on the initial stage. A number of sub committees are being formed and it will certainly take some time to mature the wage deal. 
Before implementation of sixth pay commission for central employees, bank officers and employees were certainly in better position in terms of wages compared to central counterparts. But sixth pay commission came as a game changer and took the central employees in a higher paid category. The earlier bipartite for bank employees (10th Bipartite) could not bridge the gap completely. Now Central Govt. introduced seventh pay commission and implemented it in a phased manner. With effect from 1st July 2017, all hiked allowances were also released and though the increase is not fair enough comparing to the sixth pay commission, it can be said that employees are being paid quite handsomely now.
Let's have a quick look on the starting salary of a Bank PO and Income Tax Inspector.
Bank PO. as on 1st Nov 2016
Basic Pay 23700
DA           12206.69
Spl All.     1836.75
CCA           870
HRA         2133
TOTAL    40,746.54  (In A Class Cities)
(SBI POs are paid four increments extra at the initial stage and thus their Gross Salary will be about Rs 6000 higher)
(Bank PO salary has been taken from
Income Tax Inspector as on 01.07.2017
Basic Pay                    44,900
DA                                 1796
HRA                            10776
Tr All                             3744
Conveyance All             2100
(Cost of 30 Lt Petrol)
TOTAL                         63,316     (In Major Cities)   

NPA position of Indian PSU and P VT Sector Bank

Thursday, August 17, 2017

Next shock for banker from MODI Govt is coming in the form of the Wage Code 2017 introduced in Lok Sabha

Next shock is coming in the form of the Wage Code 2017 introduced in Lok Sabha.
1. This act if passed by the Parliament then Assured Salaried Jobs will be erased from the Indian History.
2. Employer can send any person out of job within a day,
week or month. Monthly Salary will be ceased to exist in Indian Companies (Chapter II)
3. The Salary will not be the same for same Job in different areas. (Chapter II)
4. All Employees will have to work for 6 days in a week. (Clause 13)
5. The 8 hours duty concept will be removed. The Govt only will decide how many hours work will constitute one day salary. (Clause 13)
6. Salary will be paid only on completion of the work allotted.(Chapter I)
7. Pay commission and Bipartite will become invalid. (Clause 60)
Still may draconian provisions to enslave the Indian youths are written in the Bill. Many provisions are modified in the Payment of Bonus too.
Dear Young comrades, this bill is a direct threat to the survival of all the youngsters of this nation. Please arise awake and stop NOT till this bill is thrown out of the parliament.

Wednesday, August 16, 2017

30 Important Points Before You Take Charge Of Bank Branch Or Seat

30 Important Points Before You Take Charge Of Bank Branch Or Seat
With fast retirements come fast promotions. These days scale I to II or II to III service period is reduced to 2 years in many banks. In such a short span of time youngsters don’t get much exposure and in many cases officers spend their 2-3 years in one seat only. In many worst cases which I know new officers spend 1-2 years in cash. When they get promoted they face many issues either handling the branch or a particular seat. Officers fear to take charge of loans seat as they don’t have that much a exposure their seniors who took 5-7 years to take a single promotion. Managers or officers become personally liable for any lapses of previous incumbent if they don’t report the matter in their joining report or in initial stages of their charge. Now here I present you your rescue points which you should take while taking charge or handling any particular seat. All officers must read this article from point to point as you may face problems later in your career. 30 important points before you take charge of bank branch or seat -
1) Security items – the very first thing you should check is security items register. Check all Cheque books, FDRs, Demand Drafts. This security must tally with your system reports.
2) Cash balances- physical cash is another important item. Ideally you should check opening cash. Also check ATM cash or any bait money.
3) Check GLB Slip – the first thing you should ask whenever you enter a new branch is GLB slip. Check it head to head. You can easily figure out some discrepancies from GLB itself and ask the present incumbent. You can easily check sundry entries, Remittances, DNR, suspense entries etc.
4) Check loan files – checking all loan files is not possible. At least check previous one year loan files. Check outgoing incumbent has signed all the loan files. You don’t need to see files before that as inspection/ audit must have taken place before that and auditors or inspectors must have audited files earlier. Meticulously check securities attached like LIC policies , FDRs, bonds, original land registry papers etc. also check that sanction letter are dully signed by the incumbent.
5) Check gold coins/ ornaments- gold coins must be check and gold ornaments of the customers must be checked with joint custodians and another staff officer.
6) All keys of the branch – keys of strong room, cash safe, main gate, grill, ATM room or any other safe present in the branch should be checked without fail.
7) Duplicate Keys- sealed Duplicate keys of the branch which is generally present in another branch should be checked thoroughly and any discrepancy should be reported.
8) furniture & fixture- furniture and fixture of the branch should be checked and must tally with GLB also check the depreciation register. Depreciation and reserve must tally with the GLB slip. Also take a broader look at items listed in F&F are present in the branch.
9) FDRs opened but not printed- take a note of FDRs that are opened but not printed. Make sure you got them signed by the outgoing incumbent.
10) TDS challans properly filled- take a look at quarterly TDS challans. Check whether they are filled or not as income tax deptt imposes interest on non filling. There’re last dated for filling quarterly TDS challans.
11) KYC compliance – make sure that all accounts are KYC compiled. Most banks offer non KYC reports in the system. Take out that report and make all the Non KYC accounts KYC complied before taking charge.
12) Registers to be checked- most of the banks have many important registers in the branch check whether they are maintained or not –
a) Complaint register.
b) MDP register.
c) No dues register.
d) OBC register.
e) Voucher register.
f) Cash Register.
g) Sundry Register.
h) ATM register.
g) Furniture & Fixture Register.
h) Depreciation register.
g) Inventory movement register.
h) Key movement register.
i) NPA register.
j) Recovery Register
k) Stock Register.
l) Loan security items register.
m) Office order register.
n) Insurance register.
o) Nomination register.
p) 15G-15H register.
q) Title Deed register.
13) NPA status- NPA accounts and written off accounts status should be reported in joining report.
14) Pending credit proposals- pending credit proposals must be taken note of. And action should be initiated at the earliest. If proposals are large then meeting with parties is also a good idea.
15) Claims with CGTMSE- any claims pending with CGTMSE must be noted and necessary follow up should be started.
16) SARFAESI status- any account in which SARFAESI has been initiatedshould be noted and status of sace sould be noted.
17) Temporary OD running – All temporary OD must be adjusted within time period of incumbent. Report should be generated of TODs and necessary action should be taken.
18) Expired Documents – take out report of all expired documents during the period of outgoing incumbent and effort should be made to renew all the expired documents before taking the charge.
19) Customer complaints – all pending customer complaints must be attended with utmost priority and outgoing incumbent should be asked to resolve the complaints which were generated during his tenure.
20) Branch security items- all items related to branch security must be assessed like fire equipments, burglar alarms, license of arm guard, CCTV etc.
21) Vigilance/ Inspection reports- you should check the latest inspection/ vigilance report and check whether proper reply/ comments of outgoing incumbent has been taken or not. Check whether queries of inspection report have been removed or not.
22) Examining last 3-4 months sanctions minutely- last 3-4 months sanctions are to be examined minutely or say very carefully.
23) Check whether registration of equitable mortgage with CERSAI/ revenue authorities has been done or not by the outgoing incumbent.
24) Sometimes Insurance Register is not updated and assets charged to the bank, whether as principal security or as collateral, are not insured for “FULL VALUE”.
25) For larger amount loans say above Rs. 10 lacs check whether Ist stage vetting and second stage vetting is done or not. If not then get it done.
26) Bank guarantee issued are duly signed by two officials jointly, one of whom must be the Branch Manager and Manager or Branch Manager and Second Man.
27) Certified copy of the title deed offered as security is obtained from the Sub-registrar office and the same is compared with the original documents deposited for creating mortgage, by the bank lawyer/ bank officials
28) A register is maintained at the branch, wherein the date of receipt, sanction/rejection/disbursement with reasons therefore, etc. are recorded. The register is made available to all inspecting agencies.
29) CIBIL exercise is being done in loans and advances of Rs 1 lac and above. Direct report from CIBIL is being generated and CIBIL detection and updating checking is being conducted.
30) Checking and signing of all the reports generated by the system, particularly, the Exceptional reports, day book, long book and reporting of deviations.
Though I have tried to cover each and every aspect before someone take charge of a branch or seat but still suggestions of experienced folks are appreciated and may guide newly appointed branch in charges.

594 branches and 122 administrative offices of SBI and several thousands of employees have been transferred beginning this fiscal Year --But no protests from UNION it is a strange!!!!!!!

India’s largest lender, State Bank of India (SBI), has rationalised 716 offices (594 branches and 122 administrative offices) and several thousands of employees have been transferred beginning this fiscal, but, strangely, there have been no major protests, top officials said. Several hundreds of offices would be closed and thousands of staff would be moved in the coming months, officials added. Strangely one does not hear any major complaints of vindictiveness or arbitrariness from the normally vociferous banking sector employees.
This, at a time when leading software companies are arbitrarily firing people at day’s notice. Even the unions that strongly opposed the merger of six banks with SBI and were apprehensive about treatment of incoming staff by the SBI management agree that there is not much of vindictive or arbitrary movement of people till now, making one wonder as to how and why this happened. Around 70,000 employees (around 40,000 Cass III and IV and around 30,000 officers) were added to SBI’s rolls following the merger of SBBJ (State Bank of Bikaner and Jaipur), SBM (State Bank of Mysore), SBT (State Bank of Travancore), SBP (State Bank of Patiala) and SBH (State Bank of Hyderabad) and Bharatiya Mahila Bank. “By and large, the staff redeployment in SBI has been smooth. However, there seems to be complaints of vindictive transfers in Kerala which the management must address satisfactorily,” C.H. Venkatachalam, General Secretary, All India Bank Employees’ Association (AIBEA), told IANS.
But how is it that SBI is managing the show without the flag of protest being raised by the usually vociferous unions? “The management did not deviate from the transfer policies that were signed between the management and the unions,” Sanjeev Kumar Bandlish, General Secretary, All India State Bank of India Staff Federation (AISBISF), told IANS. “There are set transfer policies for officers and the award staff. We have told the management not to transfer employees on a large scale,” D. Thomas Franco Rajendra Dev, President, All India State Bank Officers Federation (AIBOF), told IANS.
Union leaders said the employees were consulted and posting preferences were sought prior to their transfer. “The employees were moved to other branches located in the close vicinity of their earlier offices. This reduced tension in the minds of incoming employees to a large extent,” Neeraj Vyas, Deputy Managing Director and Chief Operating Officer, told IANS. He said those who opted to take higher responsibility under the Career Progression Plan (CPP) were transferred to another location as per the existing policy. “The reservation about the merger was only in the incoming employees’ minds. Once the merger happened and the employees saw the systematic way the policies were followed, the mental block against the merger has melted,” Vyas said. “When the merger was proposed, integrating the officers of associate banks was not considered to be a problem. However, in the case of clerical cadres there was a crucial difference between SBI and the associate banks,” Vyas added.
Vyas said that under the SBI’s CPP for clerical staff, those who accept higher responsibility are given additional powers and allowances. “But such schemes were not there in the associate banks and the major union there — the AIBEA — had opposed the scheme,” Vyas said. He said many employees of the erstwhile associate banks have now opted for the CPP.
According to Vyas, there were no mass scale transfers in the associate banks prior to the introduction of Voluntary Retirement Scheme (VRS) before the merger. A total of 3,569 employees opted for VRS. “The VRS numbers were as per our initial expectations,” Vyas said.
In the case of officers, they will be transferred on promotion or after completing three years at a location. On the staff redeployment process, Vyas said the bank planned a mix of employees — those who are originally from SBI and from associate banks — so that they get culturally integrated with SBI.
According to SBI, the projected number of staff to be redeployed due to rationalisation of administrative offices and branches is around 10,616. The bank has said that nearly 30 per cent of the 8,616 staff to be redeployed due to branch rationalisation will be posted in sales functions. Questioned about the complaints on transfer in Kerala, Vyas replied: “Only 25 employees of erstwhile State Bank of Travancore (SBT) have complained out of 4,300 employees to whom the Career Progression Plan was offered.” He said the unions in SBT had vociferously opposed the career progression scheme prior to the merger.
According to Vyas, the acceptance of the career progression scheme amongst the erstwhile associate bank employees is around 80 per cent now, the same as in SBI. Queried about the criteria for closure of banks, Vyas said it is based on factors like profitability, viability, period of lease, footfalls and others. “We are not closing the branches of erstwhile associate banks. Even SBI branches will be closed if they do not fulfill the criteria. We move from rental premises to owned premises wherever possible,” Vyas added.
According to Vyas, the total number of branches that would be rationalised will be around 1,400, of which 594 have been completed. “The remaining will happen over a period of time. Further we will open new branches wherever needed,” he added.

81 lakh Aadhaar cards deactivated: How to check Aadhaar card status & find out if yours is still active

The Unique Identification Authority of India had deactivated close to 81 lakh Aadhaar numbers last week. Minister of State for Electronics and IT P P Chaudhary, had informed the Rajya Sabha on Friday. The Aadhaar numbers were deactivated for a number of reasons stated in Section 27 and 28 of Aadhaar (Enrolment and Update) Regulations, 2016. Chaudhary had said that the regional offices of the UIDAI have authority to deactivate the Aadhaar numbers. He said, “Prior to enactment of the Aadhaar Act, 2016, the deactivation (suspension) of Aadhaar numbers was done as per the Aadhaar Life Cycle Management (ALCM) guideline.”
This move has left many people worried as Aadhaar has now been made mandatory for many things, including filing one’s income tax return and opening a bank account. The government has recently been trying to weed out illegal financial dealings in India, and as one of its first moves, it had deactivated ove 11.44 lakh permanent account numbers (PANs) till 27 July. As per the government rule, it is illegal for a person to have more than one PAN number registered under his/ her name and it is also advisable to link your Aadhaar number with PAN before the deadline i,e. August 31. The central government had also noticed several bogus PAN cards are allotted to non-existing people or individuals who have provided false information about themselves for PAN.
Meanwhile, when it comes to Aadhaar card, they were deactivated for a number of reasons. According to the Sections 27 and 28, an individual’s Aadhaar can be cancelled or deactivated in case multiple Aadhaars were issued, or if discrepancies were found in the biometric data or supporting documents. Here is a step by step guide to check the status of your Aadhaar card. In case you find your number is invalid, you will have to contact the several contact details given on the website.
1. Open the Aadhaar website, that is UIDAI (Unique Identification Authority of India).
2. Find the ‘Verify Aadhaar Number ‘ link on the Aadhaar website. You will be able to find this link under Aadhaar Services section. Once you open the link, you will be taken to another portal.