People revert to using cash in India

Demonetization was supposed to increase the number of digital transactions in India, due to the cash shortage. However though there was an increase in the number of digital transactions in december 2016, the number of digital transactions has declined rapidly as more cash was available.
There has been an approximately 20% decrease in the number of digital transaction in February 2017, compared to december 2016, as indians are more comfortable dealing with cash . The indian government forgets that for digital transactions, the citizen has to incur a lot of expenses like the laptop cost, internet charges, hardware, is subjected to identity theft, while for cash transactions there are almost no additional expenses

Risk of investing money in NSC/KVP

Most financial advisors and indian citizens are not aware of the risk of investing money in National Saving Certificate , Kisan Vikas Patra
Allegedly indian security and intelligence agencies especially CBI are stealing the NSC/KVP certificates of harmless indian citizen,especially those who are not well connected to blackmail them to agree to identity theft, cause financial losses . It is very difficult to get a duplicate copy of the stolen NSC/KVP certificate because an indian government employee has to stand surety in addition to other procedures. For a large amount, it is difficult to get a government employee with a high salary to waste his or her time to come to the post office and complete the procedures
If bank FDs are stolen , a government employee is usually not required to stand guarantor, private citizens can help.
Many are preferring mutual funds because theft of documents, does not affect the liquidity of the investment
The mainstream media in India refuses to cover the news of the fraud of indian intelligence and security agencies stealing KVP/NSC certificates , so those who are not well connected make the mistake of investing their hard earned money in KVP/NSC

Fake RBI officials cheat a temple priest from Ponda of a large amount of money

The newspapers in Goa reported that fraudsters pretending to be RBI employees cheated a temple priest Vinayak Pendse from Kavlem , Ponda of Rs 8.16 lakh. They were very convincing frauds, pretending to be acting on behalf of RBI, income tax department, making more than 15 calls and threatening a raid on the house if the bank details were not provided
The priest made the mistake of revealing his PIN to the fraudsters who then transferred away Rs 8.16 lakh within an hour from his bank account.
This clearly indicates the misplaced priorities of NTRO, CBI ,security agencies in goa, they are wasting their time and resources monitoring harmless paypal account holders, domain investors who have not cheated or harmed anyone , while allowing fraudsters impersonating RBI employees to dupe people without being questioned.

Probably the fraudsters impersonating RBI employees are inspired by ntro employees like puneet, j srinivasan, vijay, who pretended to know their btech 1993 ee classmate, to steal her resume, for call girls, cheater housewives and other frauds

Indian government, NTRo, CBI falsely claim goan prostitutes are investors

Indian security and intelligence agencies, especially CBI are stealing the hard earned money of harmless single woman engineers without a legally valid reason, or court order and the falsely claim that the stolen investment belongs to the google, tata sponsored goan call girls sunaina, siddhi who have sex with these powerful intelligence and security agency employees to give the goan prostitutes lucrative R&AW jobs with monthly salary salary, great powers
Legally stealing the documents of a private citizen is a crime, however cbi, ntro, indian government do not want indian women to get educated and financially independent, so the indian security agencies are stealing the hard earned money of single women engineer, making fake allegations without any proof at all and falsely claiming that the money belongs to google, tata’s favorite sex worker R&AW employees sunaina chodnekar, siddhi mandrekar and other frauds
In an indication of the poor status of women in India, a harmless single woman engineer has to waste a lot of time and money to warn people that cbi, indian government are falsely claiming that google, tata sponsored goan sex workers and other frauds who have no money of their own, own her stolen money

Like all section 420 frauds, cbi does not have the courage to face the harmless single woman engineer whose hard earned money they have stolen after being bribed by google, tata . Why do the google, tata sponsored sex worker R&AW employees not work for their own money, why are they falsely claiming to own the assets of another indian citizen, a single woman engineer who has worked hard for twenty years.

Single women saving money for old age falsely labelled a security threat

In a clear case of discrimination against harmless single women professionals, powerful corrupt indian intelligence and security agency employees are falsely labelling harmless single women engineers who have saved some money for their old age, as a security threat without any legally valid proof. These selfish greedy government employees are only looking at the amount saved in the bank account and other assets linked to a PAN number they are not considering that the future prospects for these single women are extremely bleak compared to married couples and government employees.
Most married couples have children who will take care of them in their old age, or at least help them financially to some extent. The couples are spending money in their youth on their children, so they do not have many savings, however the children are their investment
Government employees may not be getting a very high salary, however their job is very secure and they will get a pension in their old age.
On the other hand , a single woman small business owner or professional is not guaranteed any income as india has no social security system , she has to rely almost entirely on her savings when business conditions are not favorable, when she is unwell or in her old age.
It also very difficult for middle aged women to get any job however experienced or hard working they may be
So naturally when a single woman is young, she will save more money, as she is aware of the fact that she has no support system in her old age. However the hysterical paranoid, dishonest indian intelligence and security agencies are extremely irrational, dishonest, refuse to acknowledge the harsh reality of living in india for private citizens, falsely label a harmless single woman engineer as a security threat without a any proof at all, to deny her fundamental right to privacy, to earn a living, steal her retirement savings without a court order or legally valid reason.

Mutual fund fraud of goan obc bhandari R&AW employee SEX worker sunaina chodnekar 2013 bsc

Led by the shameless fraud NTRO employee j srinivasan, sex maniac fraud NTRO, CBI employees have allegedly forced indian mutual funds to give great powers and privileges to the lazy greedy inexperienced mediocre google, tata sponsored goan obc bhandari R&AW employee SEX worker sunaina chodnekar 2013 bsc, recruited for SEX with indian government employees, falsely claiming that the sex worker R&AW employee was a mutual fund expert, investor
In reality the shameless section 420 fraud ntro employee j srinivasan hated his btech 1993 ee classmate, was infatuated with the google, tata sponsored goan SEX worker sunaina and duped all mutual funds that sunaina , VVIP goan sex worker owned the mutual fund investments of his btech 1993 ee classmate.
In reality , google, tata’s favorite sex worker R&AW employee sunaina has very little work experience, almost no investment in mutual funds linked to her real PAN number or bank account, relies on her fraud lovers, relatives in NTRO, CBI to dupe mutual funds with their lies that she owns the investment of another indian woman, an experienced engineer
After 5 years of the fraud, it is clear that goan R&AW employee sex worker sunaina is not connected with the single woman obc engineer whose btech 1993 ee degree she falsely claims to own, yet the shameless fraud ntro employee j srinivasan refuses to admit his mistake and ask the mutual funds to retract the privileges given to the goan sex worker.
Some of the mutual funds especially birla sun life are overconfident that ntro employee j srinivasan will get away with his fraud of promoting sunaina, sex worker as an investor, sending emails repeatedly, however only time will tell. Outside india most people agree that the indian government is involved in a major financial fraud on India’s largest female domain investor , when the facts of the case are known, it will be difficult for ntro, cbi to defend their lies in an open debate

Why does the google, tata sponsored goan R&AW employee sex worker sunaina, use her real qualification, experience, investment, why does she falsely claim to own the mutual fund investment of a harmless single woman obc engineer she hates and has impersonated to get a R&AW job?

Money galore

Financial news and advice for wealthy citizens , high net worth individuals
The risk of saving money for your old age in India
A look at the frauds, atrocities committed on wealthy people , how many people go from rags to riches, and riches to rags.
Why few families are wealthy for more than 3 generations
How large companies are using unethical tactics to acquire talent and technology cheaply
How relatives and friends will betray to become rich and powerful overnight.
Hitech torture methods used on rich, wealthy indian citizens.