#culprittraced

Sir, I visited Baroda House about a fortnight ago and from the reception I made a call through the reception landline and got an opportunity to talk ot the Regional Manager.  I had to resort to such exertion to reach the RM and have a conversation because the Officials at  the retail branch level have turned unruly. Now if I have to waste time, money and effort ion getting evidences to that they may be taken to task by RBI and the Courts of Judicature, then it may incur heavy expenses on the part of the Nationalized Bank for damage control.  Its PSB, but such officals working in definace in of the public rights. Nationalized, but working in definace of interests of a National (Indian National). These peoples can never obscure evidences as they create every now and then and can easily be nailed for such follies anytime by any one making to it self or via proxies. Besides, any data fudging or evidences manipulation will lead to more stringent penalties under the Judicial Articles of  'Destruction and Concealment of Evidence' In continuation of such officials  resorting to evasive ways so that no one may apply for loans. In my instance, I went to Narhi Brach of this Bank and in the Credit section when I asked for a for for loan application for new Micro Unit, she said there's a lot of work and the queue is too large and so many accounts have come up under consideration hence i should appear there next month. I asked for mewrely the form and said lets see what's next but at least you may hand me over the application form. Butr she again in evasive manner iterate, ' come here next month'. Now once again I asked for the form but the same response. Now, on the very beginning or the very first full working day of the month in the early morning around 11:00a.m.  they got a huge queue, now what's the guarantee that I reach the very first day and I get the form? No toekn was given for next month to collect the form, and above all, why only next month? Just form next month? Is there any month called next month, does it ever come in the life of anyone The next month? Every time there is next month and next always is awaited as to every present there is always next. Now to tell you this 'next' was the 4th next at that very location/branch. Should you need the proof there of you may get the CCTV footage and judge for yourself. Not just one instance but there are several such each day. But then, it is only owing to the pessimist and lethargic sentiment of the command at the top, else it can be easily eliminated once and for all, till the willingness be. Now about NPAs, they are only because of the borrowers, for what reason you know the best and so I do, but would not like to utter that. Having said all this, I pray that though satisfying all criteria kindly allow me application for collateral free advance under Mico/Small Industrial unit in the IT/Virtual/Digital/Online/Web sector. Though for micro units uptil 10Lacs banks must not ask and neither accept collateral from the borrower but form primary collateral which is a generic RBI mandate. To be concise in approach of communication, I just want to say that out of lack of wisdom that they may end up sanctioning advances which will of course turn NPAs and they getting nothing out of it, i.e. graft etc. hence why should they bother. Those who do not concur on this one, may check NCRB information and the CVCs stance, banking being the second most offensive sector. Having said that, raher than being unwise, and even if one wants to be, they may also do something wise when they get an opportunity to mitigate the affect of anomalies by them. Alongwith possessing inherent denial approach, they may alongway also gauge for some opportunity, may be once in a  lifetime opportunity, which may overshadow all the adversities. Here what I seek is collateral free loan i.e. primary collateral with I already employed trifle INR 3, 00, 000/- (Three Lac Rupees), The total outlay being INR 13, 00, 000/-.  The branch officials are notorious for defying RBI Govt and court orders as even RBI has observed at occasions. First I thought of campaigning for vigilance scanner acting on all the activities of the banks with the minutest of them and take the banking sector first, I mean only PSBs and the Nationalized to be taken first out of all PSBs, but then many will face humiliation and penalties which will turn the situation extremely ugly for such officials and those buttressing them or overlooking them and failing to discharge their duties, though being at the top and at such responsible positions. As I find you at a dignifiable and position of authority, where you may mull over credit that this Bank claiming being India's International bank may aid me with credit to the maximum. My unit has be running for a month and now and for the want of further funds the economy is sufferring. My plans to dominate the IoT or Internet of Things sector are getting shattrred. I can make no complains with just any Tom, Dick or harry OR Annie, Mary or Jane, but with a wise visionary, at least a wise human however. Please advise accordingly. Finally, I got the Loan application form from another branch. But in this context I am quiet much dis-satiated over such branch officials of Nationalized bankers. The purpose of Nationalization stands defeated, and there is sheer distress and even at the apex level there is no will power to curb such malpractices. Though receiving the form there are remote chances of the application getting through duly, but then, law will take its course. I will resort to all means and modes to enable Law to take all responsible ones to task. With uttermost faith in higher strata and brilliant officials like you, am waiting for the advisory in this instance.                                                                          Waiting for your reply, duly. Thanks, Jay CC to: RM Lucknow, BoB