Sab Moh Maya h

[Jasveer Singh @jasveer10]

Charging MDR on UPI will be a massive policy mistake.

The argument sounds simple, UPI costs money to run, so charge merchants a small MDR, maybe 0.25%, customers will still pay nothing. But that's not how people behave.

Today if a shopkeeper receives 1,000 through UPI, he gets 1,000. Now put a 0.25% MDR on it, and for someone receiving 1 crore through UPI, that's 25,000 gone.

What will the merchant do? Some will increase prices, some will ask customers to pay the extra charge, and many will simply say - cash de do.

This behaviour already exists in India, just look at Amex. Because of its higher merchant fee, many merchants simply refuse Amex or make you pay the extra 2-3% yourself.

The fee is "on the merchant" on paper, in real life the cost eventually reaches the customer, directly or indirectly.

That's where the real problem starts, India spent years changing people's behaviour from cash to UPI, and MDR can slowly push that behaviour backwards, from UPI to cash.

And cash isn't free either. More cash means more ATM withdrawals, more cash deposits, more cash handling by banks, more transportation and security costs.

But there is an even bigger problem. Cash is much harder to track, with UPI almost every transaction leaves a digital record, with cash, businesses can under-report sales much more easily. So you potentially increase tax leakage and the informal economy too.

This is why saying "MDR will be paid by merchants, not customers" misses the point. The merchant doesn't exist in isolation, he will change his behaviour and eventually pass the cost somewhere else.

Yes, UPI infrastructure costs money, banks, NPCI and fintech companies shouldn't be expected to run it for free forever. But before introducing MDR, the government needs to calculate something much bigger, how much does free UPI indirectly save India.

Less cash handling, fewer ATM transactions, lower banking costs, more digital transactions, better tax visibility, less black money, more formalisation.

The cost of running UPI is visible. The money UPI saves across the economy is invisible.

That's the number we should calculate before touching MDR. Otherwise, we may save 1 on UPI and create 5 of cost somewhere else.

Don't just calculate the cost of keeping UPI free, calculate the cost of making UPI paid.

[Sab Moh Maya h @ArjunRundla2]

@RailwaySeva dinner not provided in rajdhani exp 22692 starting date 20 dec 25 till 2315 hr B7/ 63

[Sab Moh Maya h @ArjunRundla2]

@RailMadad dinner not provided in rajdhani exp 22692 starting date 20 dec 25 till 2315 hr B7/ 63

[Sab Moh Maya h @ArjunRundla2]

@sumitphogat123 @PoliceRajasthan @RajPoliceHelp @RajGovOfficial @RajCMO Ye dheere chalane ka h .......

[THE SKIN DOCTOR @theskindoctor13]

How to wish festivals to various communities in India in a progressively secular way.

Credits @AadarshLiberal_

[Sab Moh Maya h @ArjunRundla2]

My complaint no is CM-190724-31269195 and I have been contacting u on Gmail for last 3 days but no satisfactory answer ? and also not provided the invoice for filter change

[Sab Moh Maya h @ArjunRundla2]

@EurekaForbes
This is ur invoice provided by shalu sharma .katai home made!

[Sab Moh Maya h @ArjunRundla2]

As per ur website (see in pic)but they charged 4890/ loots
Please give me satisfactory answer

[Sab Moh Maya h @ArjunRundla2]

Online on ur website enhance NXT filter kit is available at Rs.- 3805/(check attached snapshot)

They charged Rs-4860/ great!

[Sab Moh Maya h @ArjunRundla2]

@EurekaForbes What is this
This is ur invoice Eureka Forbes(check attached photo)
Ur employee shalu Sharma giving me invoice like this for filter charge which changed

They said on WhatsApp that this is ur bill. Which is home made bill .pathetic! Loot in board day light

[Sab Moh Maya h @ArjunRundla2]

@EurekaForbes

What is ..
This is ur invoice Eureka Forbes(check image)
Ur employee shalu Sharma giving me invoice like this for filter  charge which changed

They said on WhatsApp that this is ur bill. Which is a home made bill .pathetic! Loot in board day light.continu.....

[Sab Moh Maya h @ArjunRundla2]

@EurekaForbes Sir
My service request no .CM-100724-30907194 from 10 July and still not resolved.I tried to customer care but they tell we are highly escalating ur request but nothing happened. why r u delaying after purchasing AMC.
Pathetic!

[Revant Himatsingka “Food Pharmer” @foodpharmer2]

Request to food companies to reduce misleading labels and a request to all Indians to read labels before buying anything. 🇮🇳💪🏼

Share this message!

Disclaimer: The purpose of this video is to spread awareness amongst Indians to read labels.

[Sab Moh Maya h @ArjunRundla2]

@iamRashmika Moka mile tho ....Ham Rajasthani tho khate hi mithai h pahle phir muh charchra karte h phir pel ke mithai bas
Ho gaya khana

[Sab Moh Maya h @ArjunRundla2]

I will do as I can and also try to motivate people

[Dr Omendra Ratnu Sanatani @satyanveshan]

In the scorching heat of 40 deg. these uprooted Hindus struggle to survive.
The monsters who destroyed their homes,their political masters, impotent Hindu leadership are all accumulating Paap Karma.
But does the Hindu Samaj deserve to live if we can’t protect our women & children

[Sab Moh Maya h @ArjunRundla2]

@cpronammametro please confirm the criteria of luggage in namma metro

[Sab Moh Maya h @ArjunRundla2]

@FarziCricketer Jarur

[Sab Moh Maya h @ArjunRundla2]

@sumitphogat123 @MSArenaOfficial @Maruti_Corp Nai gaddi wooo

[Sab Moh Maya h @ArjunRundla2]

@ipshita21ma Fee bhar do school ki