Thursday, December 11, 2014

Grievance for banking sector – Appeal for Penalty on bank for Poor service. SBI minimum balance issue- हम अच्छी सेवाओं की पेशकश के लिए banks को सेवा कर का भुगतान करते हैं Poor service me पेनल्टी क्लॉज क्यों लापता है

Banking sector – Appeal for Penalty on bank for Poor service. हम अच्छी सेवाओं की पेशकश के लिए banks को सेवा कर का भुगतान करते हैं Poor service me पेनल्टी क्लॉज क्यों लापता है


मोदी सरकार  का नोट बंदी  का निर्णय  अच्छा  था।  पर  नोट बंदी  में जमा हुए इतने सरे पैसे को देखकर बैंको की नियत ख़राब हो गई और वो उसे  गपाने  के नए नए  तरीके खोजने लगे।

SBI  की मिनिमम बैलेंस पालिसी इसका जीता जगता उद्धरण है।

मोदी सरकार  की  नोट  बंदी  को गलत साबित करने में SBI का मेजर हाथ।  SBI के निर्णय विवेक पूर्ण  नहीं ये नोट बंदी में जमा पैसे को गपाने  की नियत  से है।

This type of decision damaging image of current government governance model and transparency.

It shows poor government control over banking sector.

Senior citizen crying in SBI Indore due to minimum balance decision as his monthly pension is Rs 2300


SBI minimum charge it’s become an issue between student and daily wages worker who have bank ac



Bank should have to give penalty if No cash available or down due to poor service in ATM.


SBI collects Rs235 crore in minimum balance fine in 1st quarter


http://www.livemint.com/Industry/d75aXGhVIpgnHtBUqYOwxJ/SBI-collects-Rs235-crore-in-minimum-balance-fine-in-1st-quar.html

SBI collects Rs 235 crore in minimum balance fine in June qtr: RTI

http://www.deccanchronicle.com/business/companies/190817/sbi-collects-rs-235-crore-in-minimum-balance-fine-in-june-qtr-rti.html


SBI Savings Account: Minimum Balance Rules


http://www.ndtv.com/business/sbi-minimum-balance-rules-and-charges-for-non-maintenance-1746555#ampshare=http://www.ndtv.com/business/sbi-minimum-balance-rules-and-charges-for-non-maintenance-1746555

SBI spent Rs 775 crore in maintaining Jan Dhan accounts: Government


http://www.newindianexpress.com/business/2017/mar/28/sbi-spent-rs-775-crore-in-maintaining-jan-dhan-accounts-government-1586921.html


Minimum Balance Penalty to Offset Costs of Jan Dhan Accounts, Says SBI Chief Arundhati Bhattacharya


http://www.news18.com/news/business/minimum-balance-penalty-to-offset-costs-of-jan-dhan-accounts-sbi-chief-arundhati-bhattacharya-1357804.html

बचत खाते में मिनिमम बैलेंस की सीमा बढ़ाएगा SBI, 31 करोड़ लोगों पर पड़ेगा असर


http://navbharattimes.indiatimes.com/business/business-news/sbi-to-increase-limit-of-minimum-balance-for-savings-account/articleshow/57508434.cms



महीने में दो बार sbi ने minimum balance maintenance के नाम पर पैसे काटे , ऐसे लगता है कि बैंकों ने भी उगाही का नया तरीका इजात कर लिया है.



सामान्य विधार्थी और दिहाडी मजदूरो की जेब पे और एक डाका SBI क minimum balance rule सामान्य जन त्रस्त सरकार मस्त

भारतीय स्टेट बैंक ने पिछले 3 महीने में मिनिमम बैलेंस मेंटेन ना करने पर ₹235.06 करोड़ फाइन के रुप में वसूले हैं



https://www.change.org/p/sbi-bank-i-want-sbi-to-return-minimum-balance-charges-which-was-charged-by-poor-people

Don’t pay taxes if government fails to curb corruption: HC

http://timesofindia.indiatimes.com/city/nagpur/Dont-pay-taxes-if-government-fails-to-curb-corruption-HC/articleshow/50826888.cms


सरकार का कंट्रोल और एटीएम में फेक नोटों के जरिया आम जनता को ठगा  जा रहा।  बैंकों में नकेल कब कसेगी सरकार। क्या टेक्निकल असमर्थ है  RBI बैंकों पैर नकेल कसने में।



Looking for support from PMO India to bring Policy framework and rules and regulation in India to stop this kind of malpractice & financial penalty on bank, So that general public should not be harassed, currently there is no rule in RBI / Bank to solve this kind of issue.

Again & again same kind of issue from bank ATM - No government control - 

General public Loosing the trust on Banking ATM system due to fake and damage notes comes from Bank ATM

Case-1: Fake note Issue from bank ATM. Case mention below
Date: 02/09/2014 time 18:41,
Record No 5424,
ATM Information: PIDCMU30,
HDFC Bank, Kalu Sarai Village Office,

Bank ATM: HDFC Bank

HDFC Atm No - P1DCMU30 date 02 sep 2014 time 18:41 Kalu Sarai Village ATM withdrawal of 10000/- (10X1000) one note of 1000/- is face (8AG 943694) and come from atm , not received proper solution to register my issue on customer care only they have hold me for 5-7 minute
Request to PMO India:  If Fake note comes from Bank ATM then bank harassing customer to go to ATM and banks and showing its vendor mistake we have outsource feeding ATM. no Witten rule information with bank and customer care how to handle this kind of cases and after wasting 2 month of customer if bank returning same amount to customer. So it is not fare because this is bank mistake why should customer bear. 100 times of penalty have to be paid by bank for their mistake.




They have not checked CCTV camera at atm m/c as per record and time mention
Date: 02/09/2014 time 18:41,
Record No 5424,
ATM Information: PIDCMU30,
HDFC Bank, Kalu Sarai Village Office,
Bank ATM: HDFC Bank

I have given sufficient supporting doc but bank try to hide the fact in the name of technology but in other word they are supporting black money or fake note. I may be stop but this is question of my country economy.
1000/- fake note exchange later on cash by HDFC Bank. They have taken fake note from me and given me another 1000/- note as exchange in cash after 2 month.
I have 2 concern
1. What action has bank taken to ensure atm feeding mechanism to stop ATM farziwada?
2. 100 times of penalty compensation due to atm farziwada of fake note comes from bank atm it is really serious issue and it is hurting my country economy due to this fake note issue.

Going to court for legal filing may bank fall in heavy penalty. Please correct solution at bank level. I am really not interested to file case in court
Sweet English Reply from HDFC Bank- HDFC Reference- HBL  031-881-043 
We would like to inform you that we are unable to view any credit of Rs 1000/- in your account towards fake note. We would request you to confirm the date when you have received the credit of the said amount.
 We wish to inform that the cash replenished in the ATM's are sorted by machines recommended by RBI. There is a nil possibility of getting the fake/ mutilated/ torn notes passed by those machines.
 Overall Bank is using all possible technologies and procedures to ensure no fake note is dispensed from the ATM by any chance. Hence, Bank regrets its inability to accept your claim.
 
Case-2 Damage note comes from bank ATM M/C
Date: 01/11/2014, Time: 13:48,
 ATM ID CPAW20603,
Record No 2359
Bank ATM : Axis Bank


Request to PMO India:  If damage note comes from bank ATM M/C and bank harassing customer by wasting customer time and exchanging the note, so bank is not giving any favour it is bank fault that they have inter wrong note so that customer get trouble there should be some penalty clause for bank also means bank need to pay 5 to 10 time of amount for their mistake.




Case -3 : Damage note comes from bank ATM M/C
Date 27/08/2015, Time: appx. 21:30,
ATM Location: ADCHINI MARKET,
ATM NO SPCN2264
Bank ATM: Axis Bank
Request to PMO India:  If damage note comes from bank ATM M/C and bank harassing customer by wasting customer time and exchanging the note, so bank is not giving any favour it is bank fault that they have inter wrong note so that customer get trouble there should be some penalty clause for bank also means bank need to pay 5 to 10 time of amount for their mistake. 

Response from Axis Bank

PG Portal Reference:DEABD/E/2015/06883

A sweet english reply- quality of service is not measurable, Missing thing is penalty clause for bank mistake, No surprise audit process , customer satisfaction and surety to zero customer harassment is still missing.

From: nodal.officer@axisbank.com
To: bhatia.kishor27@gmail.com 
Sent: 24-09-2015; 14:33 Dear

Sir, We refer to your CP Gram complaint registration number DEABD/E/2015/06883 expressing your concerns over the dispensation of damaged currency on 2 specific occasions at Axis Bank ATM. As discussed ruing our telephone conversation on September 24, 2015, the management of Cash Loading is currently being done in line with the RBI guidelines. We have however noted your feedback and highlighted the same to our ATM team for them to ensure loading of good quality genuine bank notes. We sincerely apologize for the inconvenience caused to you. For any further clarifications, you may write to us at nodal.officer@axisbank.com. Assuring you of our best services,

Ashok Sunar, Nodal Officer Team Axis Bank NPC 1. 5th Floor Gigaplex Plot No I.T. 5 MIDC Airoli Knowledge Park Airoli Navi Mumbai - 400 708. Ph. (off.) 022-7131 5304 / 5288


Case-4: No home loan repay option online through NEFT on nationalized private banks (AXIS)

Played by Private nationalized Bank (like axis bank) No government control , banks are playing not to provided online home loan repay option and saying pay by cheque and wait for 9 days for amount adjustment against your loan.

Looking for corrective action in customer favour and penalty clause for bank for harassment of customer


Reply from Axis Bank Loan unit
A sweet english reply- quality of service is not measurable, they are making rocket science software for repayment of loan online , false promise from last 3 years. no willingness of bank to solve the issue, what is the time commitment (Date of implement) of bank to finish this kind of rocket science software  

nodal.officer@axisbank.com

Oct 5


Dear Mr. Bhatia,

This is in reference to your email dated September 9, 2015 regarding your loan account.

Thank you for your valuable feedback and would like to inform to you that as a part of digital initiative we are working towards online payment option to all our customers. Very soon this facility will be made available to all customers. 

Once online payment facility is available, we will inform all our customers separately. 


In case if the customer is requesting for online payment,  we offer them the electronic payment option through NEFT. Payment can be done online using following details


Beneficiary account: Finnone loan account no
IFSC code : UTIB0000245

Please note our turnaround time for part payment is 9 days, however effect of the amount will be given as on value date i.e. on the date when amount was credited to us.

We hope that all your queries are answered. Once again thank you for your valuable feedback and assuring best of our services.

For further assistance, please write to us at loans@axisbank.com
Warm Regards, 
Smruti Kutty,
Nodal Officer Team, Axis Bank LTD. NPC1, 5th Floor "Gigaplex",Plot No .I.T 5,
MIDC .Airoli Knowledge Park, Airoli, Navi Mumbai – 400708
Tel: 022-71315301
Case-5 Approval should be on mail or mobile one time password authentication.

This is security requirement and bank should not be charge anything extra as a social responsibility as a government bank. If they also behaving like other private bank (profit center / Business) then for bank also penalty clause should be mention. SMS charges. requested to stopped this facility because banks  (HDFC, SBI charging 15/- + service charge =17 /- per quarter but this does not mean that bank will removed my mobile number  this is against KYC and Banking security Policy.

Case-6 RBI Banking Ombudsman

Error in submitting feedback 




Case-7: loop pole at SBI banking process.

(    (A) Adding third party name we should not be able visit again and again home branch for approval it should be approved on registered mail on a/c. this is loop pole at SBI process.

     (B)  ATM debit card  but process is too tough in a first visit I have to apply  then need to visit branch for password , do you really thing policies in the name of security  is user friendly and as per market trend this should be  online generated or on mail. Request should be online or on mail or customer care

     (C)  Check book request should be online or on mail or customer care
     (D) Public cannot submit request at any branch in India. 
Case- 1: I have asked for net banking, so they have given only view only what is it mean ..next time after six month during my home town visit again i requested for third party transaction  then they have given , today I want to add benefice again i need to visit home SBI Branch  that is not user friendly

Case-2: Mobile SMS Charges: I have requested to stopped this because mobile SMS Charges bank are charging 17 /- per quarter but it does not means to removed Mobile number  linking from  bank a/c.
SBI -failing in online connectivity - and KYC nomes as per RBI. 


Case-3: I have also requested 2 time in written application in bank  to update my e- mail ID  but still it is not updated otherwise it is really helpful  during the add benefice  to check and full fill security related requirement.

I have my personal feeling SBI bank is fail in security related requirement feature. as concern as security related feature it is banking requirement  so no charges has to be deducted for e-mail alert or mobile SMS alert. This should be as per RBI security requirement. SBI only difficult the process but really not working in public benefit. SBi also behaving like other private banks for their own benefit only. But i feel banking should have some social responsibility they should not establish charges for everything. 

Case-4: Debit card was damage so I have requested to close on 4th Feb2014 but still bank has charge 112/- on 10 Feb 2014 how this kind of mistakes done buy banking. There should be penalty clause on bank also. 


Regularising terms and condition in banking sector
Banking sector should have service oriented mind set. When they are playing as business point and implementing unwanted charges to increase profit then penalty clause should be there
Frame work required in banking terms regulatory compliance
1.            Net Banking
2.            Mobile SMS Charges
3.            KYC norms as per RBI. 
4.            Mobile number linking from bank a/c.
5.            Email linking from bank a/c.
6.            SLA – Service level agreement for each process Time bonded activity
7.            No additional Charges for SMS , ATM,
8.            Penalty clause for bank also if they are deducting any unwanted charges and not reacting on time.


+RSS-Rashtriya Swayamsevak Sangh +PMO India +Narendra Modi 


RTI Filed By Consumer



HDFC bank online Issue:
we are really not expecting this kind of thing from blue chip company

Case-7: TAX SAVING FD Maturity amount not transfer into account
Customer ID is clearly mention on FD , Interest is transferred every quarter but not the maturity amount
FD Deposite Account Number: 03435770000014
TAX SAVING FD Amount: 50000.00
Maturity date: 10 Feb 2015

Hdfc Reference Number : 028-398-574. -e-mail dated February 12, 2015
losing trust on bank due lots of issue in blue chip company like HDFC
online unethical practice- Tax saving FD linked with  salary account  automatically gone , every quarter receiving interest but  maturity amount not transfer , local HDFC bank only giving wrong round- round answer,

customer care only holding the line and after  10 to 15 minute cut the phone...
branch managers mail not mention,
online connectivity is not safe due to unethical practice by banks,
no bank wish to take the responsibility

Really quality of service is going down every day in HDFC bank

Dummy account created for each new FD and it is linked with common customer ID - if this kind of unethical practices happened then 10 time of payment penalty clause have to be implement and  bank has to be paid amount to customer for their mistake also need to be define by RBI India. banking liability should be define so that general public will not be harassed. 

grievance.redressal@hdfcbank.com.

Currently case has solved bul has to put lots of efforts and follow up
Solution find from HDFC member: 


As per  telephonic conversation regarding  my HDFC complain Ref No 028-398-574

I had requested for transfer my FD Maturity amount to my a/c and customer id mention on FD through NEFT But really has to put lots of efforts to get my own money

Government Initiative: 


http://pib.nic.in/newsite/erelease.aspx24/12/2014Prime Minister to Interact with Bankers during Bankers Retreat,Two Day Bankers’ Retreat called ‘Gyan Sangam’ to be held in Pune on 2nd and 3rd January, 2015 to Prepare a Blue Print of Reform Action Plan for Banking Sector 


The objectives of this retreat are as follows:-

  1.  To create a platform for formal and informal discussions around the issues which are important for banking sector reforms.
  2.  To achieve a broad consensus on what has gone wrong and what should be done both by banks as well as by the Government to improve and consolidate the position of PSBs.
  3.  To get some out of box ideas from prominent experts in the field as also from the top level managers attending the retreat.
  4. The final objective would be to prepare a blue print of reform action plan once adopted which could then be implemented by the banks as well as by the Government.

 Structure of the Retreat:-
 Formal start of Retreat 
 Session by prominent experts in the field.
Group discussions in six Groups.
Session on sharing / demonstration of best practices and technology.

                     Group presentations and Draft Action Plan.

4.         Topics for Group discussion:-
 Consolidation and re-structuring of PSBs for better efficiency and capitalisation needs.
Effective Risk Profiling and Recovery Mechanisms.
Human Resources related issues with special focus on training and motivation of staff.
Global practices and use of technology in banking operations.
Financial Inclusion / Financial Literacy and Direct Benefit Transfer.
Priority Sector Lending and Interest Subvention Schemes.


Service oriented mindset Business positive Indian attitude will bring Development in India  



Some positive initiative :




















Making India a sports superpower...

Making India a sports superpower...


Bench marking Australia

Government need to bring the bill for sports people, 
1.    All Gold Medal, silver Medal. Bronze medal sports people on State level, National and international level should get life time pension benefit, 
2.    Pension will increase on add on every medal . 
3.    Minimum level of pension need to be define So that sports people should not fight for survival and not force to sale their medal for survival.

Making India a sport superpower
1.   Free Medical facility for their family can boost & 
2.   Pension scheme, 
3.   Special tax benefit will boost intreast in India towards sports and help making India a sport superpower





Government Initiative:
PIB/ 30 Jan 2015
Sports Ministry Enhances Award Money for Medal Winners in International Events and their Coaches
The Ministry of Youth Affairs & Sports has revised the Scheme of Special Awards to medal winners in international events and their coaches. In the revised scheme, the award money have been enhanced. The amount of award money for medal winners in Olympic Games (summer and winter) has been enhanced from existing Rs. 50 lakh (gold medal), Rs. 30 lakh (silver medal) and Rs. 20 lakh (bronze medal) to Rs. 75 lakh, Rs. 50 lakh and Rs. 30 lakh respectively. The amount of award money for medal winners in Asian Games and Commonwealth Games has been enhanced from existing Rs. 20 lakh (gold medal), Rs. 10 lakh (silver medal) and Rs. 6 lakh (bronze medal) to Rs. 30 lakh, Rs. 20 lakh and Rs. 10 lakh respectively. In the category of the World Championships, Asian Championships and Commonwealth Championships, three separate categories of award money have been provided depending on whether the championships is held once in four years, once in two years or held annually.

Amount of award money for medalists of Paralympic Games (summer & winter), Para-Asian Games and Commonwealth Games (Para-Athletes) have been fixed at par with medalists of Olympic Games, Asian Games and Commonwealth Games.

IBSA World Championship of Blind, Deaflympics and Special Olympics (summer & winter) have been included in the revised scheme of special awards.

Under the revised scheme, the number of days of training/coaching imparted by coaches to medal winners preceding the event to be taken into account for deciding eligibility of coaches for award money have been reduced from existing 240 days to 180 days.

The revised Scheme of Special Awards is available on website of the Department of Sports.

***


AD/DB
(Release ID :115042) 

Monday, October 27, 2014

Innovation and patent are big tool for India economy growth- Idea of India -कब आएगी भारत में कंक्रीट इनोवेशन एंड पेटेंट पालिसी

कब आएगी भारत में कंक्रीट इनोवेशन एंड पेटेंट पालिसी या ज़िंदगी भर ओनली स्लेव बन कर काम करते रहेंगे। 

Innovation and patent are big tool for India economy growth

Idea of  INDIA
https://www.facebook.com/narendramodi/videos/10156393168285165/

The National Innovation Act

“Innovation” means a process for incremental or significant technical advance or change, which provides enhancement of measurable economic value, and shall include:
(a) introducing new or improved goods or services
(b) implementing new or improved operational processes; and
(c) implementing new or improved organizational / managerial processes;



Measurable value enhancement or economic significance
(i)  Increase in market share;
(ii) Competitive advantage;
(iii) Improvement in the quality of products or services;
(iv) Reduction of costs.


Suggested Ideas to PMO India
  1. Every Design/drawing in India should have "Make in India" stamp and ip address printed
  2. Every engineering company should have R&D department 
  3. For every patent of technology/process/ product, government  should provide special tax benefit.
  4.  Measurable target of Patent  of formula, pattern, compilation, program device, method, technique, or process, for Engineering / R&D or Research  technology development  RTD dept for getting tax benefit  (Say for example Minimum 2 -3 Patent in Years small medium -any size)
  5. Measurable royalty gain from these patent for nation economy growth 
  6. Government should identifying ways and means for catalyzing industry academia collaborations for development, application and flow of technologies, new processes and methods for achieving cost, efficiencies or market expansion from the lab to the market place and for the industry and services to invest more in strengthening the science and technology infrastructure;
  7.  Government /PMO should bring concept  to encourage innovation: like 
    •  long term benefits for tax either making special law or recommendations for amending the Finance Act;
    • giving recommendations for the waiver of short term and long term capital gain through the Finance Act or other cognate Central Tax laws;
    • waiver of any research and development fee;
    • waiver of stamp duty on any conveyances of immovable or movable property within the State for establishing research and development facilities or licensing of technology or Innovation;
    • Government should facilitating single window clearances for facilitating incorporation or establishment of commercial undertakings for engaging in research and development or commercialization of Innovation;
    • Government should establishment, operation and maintenance of electronic or physical market place for the purpose of commercialization/exchange of Innovation;
  8. Indirect tax incentives should have to be taken by government to promote innovation like
    • Exemption from payment of excise duty on prototypes or any equipment manufactured/produced by the unit in the course of Innovation.
    • Exemption from payment of customs/excise duties on goods sourced for use by the unit, including equipment or machinery which is sourced under lease agreements and second hand capital goods.
    • Exemption in state Value Added Tax incentives
Best Practices

1. If You have seen 3 Idiot Movie . do you know ?why does Japanese searching for wangdu (Amir Khan  Movie character) because he has done 400 patent.... moral of movie
https://www.youtube.com/watch?v=XmZqXUwHvZg#t=203

Government reference and Initiative: 

1. PRS:  Draft Bill: The National Innovation Act 
Department of Science and Technology (DST) at dstsec@nic.in
Ministry of Science and Technology

An Act to facilitate public, private or public- private partnership initiatives for building an Innovation support system to encourage Innovation, evolve a National Integrated Science and Technology Plan and codify and consolidate the law of confidentiality in aid of protecting Confidential Information, trade secrets and Innovation.

2. “Innovation Park Scheme”

3. “National Flagship Programmes” shall include such programmes declared by the Central Government as of national public importance.

4. “Special Innovation Zones” mean zones notified by the Government of India in the Ministry of Science and Technology established for the purposes of clustering enterprises engaged in scientific, mathematical, technological or engineering research or services, for the purpose of innovation.

5. The Ministry of Science and Technology of the Government of India shall, in February of each year, present an Integrated Science and Technology Plan,

6. First Draft of National IPR Policy http://pib.nic.in/newsite/erelease.aspx Dt. 30 Dec 2014
comments and suggestions to the first Draft of the National IPR Policy to ipr@nic.in  on or before 30th January, 2015.

http://www.ip-watch.org/2015/01/08/indias-draft-ip-policy-shows-major-changes-coming-while-fitting-ip-system-to-local-needs/

7. Intellectual Property Initiatives to Drive “Make in India” 

Ref: http://pib.nic.in/newsite/erelease.aspx 13 July 2015- ID :123202

Several measures have been taken to ensure continuous and unending improvement of the Indian IP ecosystem in the country. To this effect, Department of Industrial Policy and Planning (DIPP), Ministry of Commerce & Industry, Government of India, has formulated a multipronged strategy to develop an Intellectual Property regime in the country to promote creativity and to develop the culture of respect for innovations and creativity.
During the year, the Intellectual Property Office has been radically transformed through numerous initiatives that have contributed tremendously to easing of access to the IP system, efficiency in processing of IP applications, uniformity and consistency in the examination of applications, transparency and dissemination of IP information, bilateral cooperation at the international level, and raising the awareness level of the public.
Several measures have been taken to create a strong and vibrant IP regime in India. These are:

Modernization of administration: Creation of a highly transparent, e-enabled, efficient and accessible IP ecosystem in India that provides legal certainty to the industry.


A. Human Resources: An additional 1033 plan posts have been created, including 666 posts for Patents & Designs and 367 posts for Trademarks and GI at various levels. Already, recruitment is underway. Patent and Trademarks examiners are also being taken on contract to deal with the backlog.
B. Ease of access: The IP system embarked on its e-journey by introducing the complete electronic processing of Patents and Trademarks applications through specialized modules. To cater to the immense flow of the papers filed, a single central server at IPO Delhi is in place. Since India has a unique intellectual property office wherein there are 4 patent offices and 5 trademark offices, there is need for strong intra-office connectivity. The system is unique in itself since there is automatic generation of application numbers as also automatic allotment of the request for examination which is sequential and thus transparent and user-friendly.


a) Online e-filing facilities- Comprehensive online e-filing facilities for patent and trademark application were introduced in 2013-15 which provided the stakeholder 2 major advantages. First, an applicant can file an application virtually 24x7 and secondly, applications can be filed from the comfort of their workplace/ homes.
b) Comprehensive payment gateway- The IPO allowed the e-filers the facility of using debit cards, credit cards and internet banking. This year, e-filers were given the facility of using debit cards, credit cards and internet banking of over 70 banks for making payment of fees for all forms.
c) 10% rebate on online filing- To encourage online filing of the applications, a 10% rebate on online filing of applications and documents has been introduced; online filing has jumped from under 30% to over 80% in just a year.

Transparency and dissemination of information: The official website provides vast information relating to patents, trademarks, designs and geographical indications. The real time status of IP applications with entire file wrappers and e-registers is now open to the public, providing a strong tool to the public that can now be an integral part of the IP system. An innovative tool, showing the stock and flow of patents and trademarks applications at every stage of its processing, has ushered in transparency.

Fee Concession for MSME: MSMEs account for 45% of total industrial production and the total contribution of MSMEs to India’s GDP is 38%. To encourage them to innovate and seek protection for their inventions, a 50 % fee reduction has been provided for MSMEs.

Madrid Protocol: The operationalization of the Madrid protocol for international protection of trademarks provides the user the facility of protecting his trademark in 90 countries by filing a single application in one language with one set of fees filed at the Trademarks Registry. Till June 2015, 13,666 international applications designating India have been received at the Trademarks Registry, India.

International Search Authority and International Preliminary Examining Authority: India has been recognised by the World Intellectual Property Organization as the 17th International Search Authority and International Preliminary Examining Authority in the world. It began its operations in 2014 and till date, 758 international applications have been received and 575reports issued. India prides itself on providing quality reports at the lowest cost among the international players like USPTO, EPO, JPO etc. At present it has been recognised as ISA/ IPEA for nationals of Republic of Iran.


6. IPR Awareness Programmes: Awareness creation is one of the major planks of the modernization scheme of IP system, as this will educate the stakeholders about the benefits of registration of their rights as also educate the general public, particularly the business community, on perils of infringement of IPRs held by others/ dealing in pirated and counterfeit products. These programmes are also expected to sensitise the enforcement agencies such as state police forces, and the judiciary.


a) IP Training, Awareness and Outreach Activities: Awareness/ sensitization programs on IPR are organized by IPO as well as with industry associations, Chambers of commerce, academic institutions etc.
b) National and international symposia/ seminar/workshops on IP are organized for potential IP users.
c) e-learning resources: To educate the public via the internet media, a portal on the website of office of the CGPDTM has presentations uploaded on various aspects of IPR.
d) Kids Nook: A corner to educate and inculcate the culture of respecting and protecting IPR’s among the next generation has been undertaken via uploaded comics which are based on basics of IPRs.