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Random Reflections

Home > Archive for Random Reflections

How Rs 21,000 become Rs 15,00,000 in one month? Will RBI explain?

For many days Facebook is showing apparently an appeal by Ms. Nirmala Sitharaman appealing to every Indian to invest Rs 21,000 immediately as only 1000 can apply now as 80% has been subscribed in...

Read more July 8, 2025 at 5:18 pm Thomas Franco

How to make the biggest public service serve Private Corporates- Learn from BJP Government

Our country has the biggest public service through Post Offices in every nook and corner of the country. Started in 1776 with the idea mooted by Warren Hastings, Lord Clive started post offices which...

Read more July 1, 2025 at 3:58 pm Thomas Franco

Reducing Small Loans from Banks – A Serious Alarm, Act Immediately

After nationalisation of 14 banks in 1969 and 6 more in 1980, access to credit became possible for small borrowers. But everything changed after 1991 and worsened after 2014. Please refer to tables from...

Read more June 20, 2025 at 10:59 am Thomas Franco

Private Banks overtaking Public Banks in business – it’s a plan – not a surprise.

The Annual Report of RBI 2025 and Basic Statistical Return 1 and 2, March 2025, reveal the increasing share of number of deposit accounts, deposits, loan accounts, and loan amount shifting to private banks....

Read more June 8, 2025 at 1:06 pm Thomas Franco

DAY-NULM wound up quietly. Have we removed urban poverty and un-employment?

The Reserve Bank of India, wide its notification RBI/2025-26/39/FIDD.CO.GSSD.BC.No 06/09.16.003/2025-26, announced that the Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM) has officially concluded on September 30, 2024. Consequently, the Master Circular dated...

Read more May 30, 2025 at 4:52 pm Thomas Franco

RBI Draft on Gold Loans Sending People to Money Lenders!

RBI Governor on 9th April 2025, after the Monetary Policy Committee meeting, announced that co-lending model will be expanded and a draft guideline for lending against gold will be circulated. RBI / 2025-26 /...

Read more May 22, 2025 at 4:43 pm Thomas Franco

Banks on Sale to Foreigners and Foreign Banks – Public Banks Systematically Getting Alienated to Encourage Foreign Banks

Yes Bank, which was rescued from collapse by the largest bank in our country, SBI, and restored to good health, is on sale. From a huge net loss of Rs. 16,418.02 crores in 2020...

Read more May 14, 2025 at 4:07 pm Thomas Franco

Increase in ATM Charges and RBI Actions and Inactions

From the first of May, the Reserve Bank of India (RBI) has permitted the banks, an increase in the charges for ATM transactions above a free limit. The free limit is 5 transactions in...

Read more May 6, 2025 at 11:06 am Thomas Franco

Secrecy is protecting defaulters under the RBI Act and the proposed DPDP Act.

The whole world is talking about transparency, while data is accessed by the Big Four companies (Google, Microsoft, Amazon and Meta) virtually and used widely, invading your privacy. Mukesh Ambani said, “Data is the...

Read more April 24, 2025 at 11:27 am Thomas Franco

It is not tariff which we should worry about. It is the non-tariff barriers and policies everyone should worry about.

It is interesting to see the havoc created by the tariffs announced by Donald Trump, who became President for the second time after a loss in 2020.

Read more April 13, 2025 at 2:23 pm Thomas Franco

RBI Attack on Small Borrowers – New RBI Governor Should Act

The Reserve Bank of IndiaĀ issued a circular on 30th September 2024 titled, ā€œGold Loans – Irregular Practices Observed in Grant of Loans Against Pledge of Gold Ornaments and Jewellery.ā€ The instructions are forĀ all banksĀ and...

Read more March 31, 2025 at 12:13 pm Thomas Franco

BULA to Kill Self Help Movement

The Government of India, Ministry of Finance, vide their Letter No: F.No.7/93/2024-BOA-I dated 13.12.2024 under the subject: Stakeholder Consultation on Draft Bill to Curb Unregulated Lending Activities – reg., has asked states, ministries, RBI,...

Read more March 25, 2025 at 10:16 am Thomas Franco

Tamilnadu Economic Survey and Budget

A model for the country and other states! We have seen many Union Economic Survey and Budget as well as State Budges. Kerala Budget especially by Dr. Thomas Issac used to have innovations and...

Read more March 18, 2025 at 11:55 am Thomas Franco

Income Tax Bill – Opportunities Ignored – Weapons Sharpened

The Income Tax Bill 2025 was a great opportunity to bring real changes to the tax system of the country. The top taxpayers in the country are actors and not the corporate richest and...

Read more March 10, 2025 at 10:12 am Thomas Franco

An appeal to SuPer SBI from a Common Citizen

SBI, the 218-year-old bank, the largest in the world in terms of number of branches and customers, which is a leader in housing loans, education loans, and many such areas, is conducting a massive...

Read more February 23, 2025 at 12:36 pm Thomas Franco
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