Aakanksha Rai

Knowledge cannot be pursued without morality.

[Dhruv Rathee @dhruv_rathee]

Raghav Chadha joins BJP's Washing Machine

[Aakanksha Rai @aakku]

Pathetic management at Vindhyachal Temple.Pandas are intentionally halting general queues to create panic, forcing people into unrecorded VIP Darshan.Hours of agony for seniors and kids.
Extortion runs wild.
Who is accountable?
@UPGovt
@mirzapurpolice
@DM_MIRZAPUR
@CMOfficeUP

[Vikas Chandra Agrawal @VikasChandAgra1]

To
The Chairman
State Bank of India
Corporate Centre, Mumbai

Denial of Indo–Nepal Remittance Facility Through Cash at SBI Silvertone Tower Branch, Gurugram

Sir,

I write this representation in the capacity of a concerned customer and citizen, seeking your urgent intervention in a matter that reflects both deficiency in service and non-compliance with RBI guidelines by your branch officials.

1. Facts of the Incident

On 08 April 2026, I visited your branch located at:
SBI, Silvertone Tower, Golf Course Road Extension, Gurugram – 122017,

with the intention to remit an amount of ₹45,500 to Nepal under the Indo–Nepal Remittance Facility Scheme, for the benefit of the husband of my domestic help.

The dealing official initially informed that the transaction could only be processed via RTGS/NEFT using cheque.

Upon escalation, the Branch Manager also categorically refused to process the transaction through cash deposit, reiterating the same position.

I explained that the very purpose of this scheme is to facilitate low-income migrant workers who may not have access to cheque books or formal banking instruments.

Despite this, no alternative facilitation was offered. Even when I requested to use my own account (without cheque book), no assistance or discretionary support was extended.

This resulted in complete denial of a legitimate banking facility, causing inconvenience and hardship.

2. RBI Regulatory Position (Binding on SBI)

As per RBI Circular No. RBI/2021-22/94 dated 27 August 2021, under the Indo–Nepal Remittance Facility Scheme:

“Banks shall accept remittances by way of cash from walk-in customers or non-customers, subject to a ceiling of ₹50,000 per transaction.”

Further, RBI FAQs and operational guidelines clearly permit:

Walk-in customers (non-account holders) to remit funds

Cash-based remittance up to ₹50,000 per transaction

3. Legal and Operational Implications

The refusal by branch officials is:

❗ Contrary to RBI directions, which are binding under the Banking Regulation Act

❗ A deficiency in banking service under consumer protection principles

❗ Defeating the social objective of the Indo–Nepal Treaty framework, designed specifically for financially weaker migrant workers

The insistence on cheque-based remittance reflects either:

Lack of training, or

Misinterpretation of internal procedures overriding RBI norms

Both situations are unacceptable in a premier public sector bank.

4. Conduct of Branch Officials

While the dealing official was otherwise courteous, the Branch Manager failed to exercise discretion, did not provide a solution, and adopted a rigid stance.

This is particularly concerning given that:

The customer present was a senior citizen

The request was within permissible limits and regulatory framework

The transaction was socially sensitive in nature

5. Relief Sought

I respectfully request:

Immediate clarification and confirmation that cash-based Indo–Nepal remittance up to ₹50,000 is permitted across SBI branches

Written explanation for denial of service in this case

Sensitization and training of branch staff to ensure compliance with RBI guidelines

Issuance of clear internal instructions/circular to all branches to prevent recurrence

6. Closing Submission

Banks are institutions of public trust. Their role is to facilitate customers, especially in cases involving small workers and cross-border family support.

They are not meant to impose procedural rigidity where regulations clearly provide flexibility. Denial of such basic facilities amounts to avoidable harassment and erosion of trust in the banking system.

I trust that this matter will be taken with the seriousness it deserves.

Yours sincerely,
Vikas Chandra Agrawal
@TheOfficialSBI
@RBI
@FinMinIndia

[Dhruv Rathee @dhruv_rathee]

Noida Drowning Case is Worse Than You Think...

[Acharya Prashant @Advait_Prashant]

साल बदल गया, हम कब बदलेंगे?

[Baba MaChuvera 💫 Parody of Parody @indian_armada]

Remembering Dr Manmohan Singh on his death anniversary 🌹

True Gentleman, Statesman, Learned, Civilised Personality. Real Economist & Finest PM India ever got.

History will be always kinder to you Sir. God bless your soul in Heaven 🙏

[Yogita Bhayana योगिता भयाना @yogitabhayana]

संसद के बाहर शांत धरना,
लेकिन सवाल बहुत तेज़ हैं।
कब मिलेगा न्याय?
कब सुनी जाएगी बेटियों की आवाज़?

#JusticeForDaughtersOfIndia
#JusticeForAnkitaBhandari #JusticeForUnnaoVictim

[pk मौर्यवंश की बेटी ⛩️☸️ @speak000000]

140 cr लोगों में किसी की हिम्मत नहीं थीं कुछ बोल सके....
आज वही बलात्कारी फिर जेल से बाहर आ गया!!

[Braj Shyam Maurya @brijshyam8]

#JusticeForUnnaoVictim

उन्नाव रेप केस की पीडिता ,कुलदीप सिंह सेंगर की जमानत के खिलाफ दिल्ली पहुचकर इण्डिया गेट के सामने अपनी मां के साथ धरने पर जा बैठी तो...

खबर लगती ही पुलिस ने उन्हे किस निर्दयता के साथ वहां से हटाया है आप वीडियो मे देख सकते है !!

आखिर एक गैंगरेप पीडिता के साथ ऐसा व्यवहार क्यो ?

#JusticeForUnnaoVictim

[The Better India @thebetterindia]

From the Hills of Mizoram to the Heart of India’s Pride.

At just 9 years old, Mizoram’s own Esther Lalduhawmi Hnamte stood in Rashtrapati Bhavan and received the Pradhan Mantri Rashtriya Bal Puraskar from President Droupadi Murmu for her extraordinary musical journey and cultural contribution.

Born in Lunglei to a Blacksmith, Esther began singing at the age of 3, first lighting up local church stages.

But her voice soon crossed screens and borders when her heartfelt renditions of patriotic anthems captured millions of hearts online.

Her viral performances of AR Rahman’s ‘Maa Tujhe Salaam’ and the national anthem ‘Jana Gana Mana’ — released with the Assam Rifles — turned her into a national sensation long before she could choose her school subjects.

Today, this little daughter of Mizoram reminds us that talent, passion, and dedication can make the whole nation listen.

#InspiringIndia #YoungAchiever #Mizoram #RashtriyaBalPuraskar

[Esther Lalduhawmi Hnamte, Pradhan Mantri Rashtriya Bal Puraskar, Child Prodigy Singer India, Mizoram]

[The Nobel Prize @NobelPrize]

BREAKING NEWS
The Norwegian Nobel Committee has decided to award the 2025 #NobelPeacePrize to Maria Corina Machado for her tireless work promoting democratic rights for the people of Venezuela and for her struggle to achieve a just and peaceful transition from dictatorship to democracy.

#NobelPrize

[The Nobel Prize @NobelPrize]

BREAKING NEWS
The 2025 #NobelPrize in Physiology or Medicine has been awarded to Mary E. Brunkow, Fred Ramsdell and Shimon Sakaguchi “for their discoveries concerning peripheral immune tolerance.”

[PrashantAdvait Foundation @Prashant_Advait]

Gita Isn’t About Motivation

[Dhruv Rathee @dhruv_rathee]

My Message to Censor Board of India

#SitaareZameenPar

[Tejaswi @tejaswigupta11]

🙏🏻🙏🏻🥰नमस्कार मुझे बहुत अच्छा लग रहा है लाइफ सेशन में और परीक्षा देने में बहुत मजा आता है मैं अब खुल के जीता हूं। पहले थोड़ा सा दबा दबा जीता था, लेकिन बहुत अच्छी जिंदगी चल रही है अभी।  thank you.😇🙏🏻🙏🏻

@Advait_Prashant
@Prashant_Advait

Posted by Arvind Prajapati on Gita Community Feed.

Join live Gita sessions and community with Acharya Prashant-
https://t.co/ae4CYKZgIm

#AcharyaPrashant

[Acharya Prashant @Advait_Prashant]

ऐसे जी कर दिखाओ!

[Acharya Prashant @Advait_Prashant]

Acharya Prashant's Column in The Sunday Guardian

"Violent Relationships: A New Trend, or an Enduring Structure?"

✨➖✨➖✨

"Too often, what we call love is shallow—driven by attraction or social convenience rather than self-awareness. Marriages are still arranged based on dowries, caste, income, or skin tone. When relationships are built on social calculations rather than authentic connections, resentment tends to build—and sometimes, it spills over into tragedy or even violence."

✨➖✨➖✨

Read the full article:
https://t.co/hKdzX1vA4A

[Acharya Prashant @Advait_Prashant]

आगे बढ़ते जाओ!

[Acharya Prashant @Advait_Prashant]

आपकी जीत में ही मेरा गौरव है

[Acharya Prashant @Advait_Prashant]

न जीत का लोभ, न हार का डर!