Parminder Singh Bhamba

India’s banking sector is facing an alarming issue—financial frauds costing the country an estimated **₹100 crore daily**. This crisis not only affects banks but also impacts the economy and public trust. Despite regulatory interventions, loopholes remain, allowing fraudsters to manipulate the system. In this blog, we’ll explore **the mechanisms behind these frauds, their economic impact, and p inotential solutions**. --- ## **1. Understanding the Scale of Bank Fraud in India** Between **2015 and 2022**, over **₹4.50 lakh crore** was lost to fraud, mainly involving loan defaults, cyber crimes, and corporate scams. The Reserve Bank of India (RBI) tracks fraud cases meticulously, but detection and recovery remain sluggish. The financial ecosystem—both private and public banks—has witnessed prominent scandals, leading to stringent regulatory measures. ### **Key Statistics** - **Maharashtra accounts for nearly 50%** of total fraud losses. - Fraudulent activities are **most prevalent in cor...

Today  Jay Verma ji  has been appointed as the National Social Media Coordinator for Kisan Congress AICC. This prestigious appointment is a testament to his dedication and hard work in the realm of social media and political engagement. Currently, Jay Verma serves as the Vice Chairman of Madhya Pradesh Congress Social Media. His journey has been marked by significant achievements, including receiving an award from the Indian Youth Congress for his relentless efforts. His contributions have not gone unnoticed, and he has previously worked as the National Coordinator in charge for Uttar Pradesh West, Maharashtra, Bihar, and Uttarakhand on behalf of the Indian Youth Congress. The Congress party has recognized Jay Verma's commitment and has entrusted him with the crucial responsibility of amplifying the voices of farmers on social media. This role is vital in ensuring that the concerns and needs of farmers are heard and addressed effectively. We have full confidence that Jay Verma...

A disheartening scenario is unfolding for minorities in the country, where the autonomy of their religious bodies is increasingly being questioned and challenged. The government’s interference in deciding how and where religious organizations allocate their financial resources undermines the essence of freedom of religion and threatens the principles of a secular state.   The Role of the Waqf Board The Waqf Board in India plays a pivotal role in safeguarding and managing waqf properties, which are dedicated to religious, pious, or charitable purposes under Islamic law. It ensures the proper administration and utilization of these properties to benefit the community. Below are the key responsibilities of the Waqf Board: 1. ** Management of Waqf Properties **: Overseeing and ensuring the effective use of assets such as mosques, graveyards, schools, and other institutions. 2. ** Protection of Waqf Assets **: Preventing illegal encroachment, misuse, or occupation of waqf properties. 3....

 Progressive and Secular :Maharaja Ranjit Singh.  Maharaja Ranjit Singh, born on November 13, 1780, in Gujranwala, now in Pakistan, was a leader whose impact on the history of the Indian subcontinent is indelible. Known as the Lion of Punjab, he founded and ruled the Sikh Empire from 1801 until his death.  Early Life and Rise to Power Ranjit Singh was the only child of Maha Singh, and he inherited the leadership of the Sukerchakia Misl at the tender age of 12 after his father's death. Despite his physical shortcomings, being blind in one eye and marked with smallpox scars, he was a charismatic leader with a strategic mind.  Conquests and Expansion At 21, he captured Lahore and declared himself the Maharaja of Punjab, marking the beginning of an empire that would grow under his leadership. He united the various Sikh misls and expanded his territory to include regions from the Khyber Pass to the Sutlej River and from Kashmir to the Thar Desert.  Military Prowess R...

Rahul Gandhi: The Emerging Hero of Indian Democracy Rahul Gandhi, the scion of India’s most famous political dynasty, has emerged as a prominent figure in Indian politics. Despite facing challenges and criticism, he continues to play a significant role in shaping the country’s political landscape. Let’s delve into his journey and impact: 1. Political Royalty: Rahul Gandhi hails from a lineage steeped in political history. His great-grandfather, Jawaharlal Nehru, was India’s first prime minister. His grandmother, Indira Gandhi, and father, Rajiv Gandhi, also held the highest office in the country. The Indian National Congress (Congress), the party associated with the Gandhi family, ruled India for over five decades. However, their dominance waned after a crushing defeat to the Bharatiya Janata Party (BJP) in 2014.  Prime Minister Narendra Modi often accuses Rahul Gandhi of dynastic politics, labeling him a "spoiled prince" 1 . 2. Unexpected Entry into Politics: Rahul Gandhi’s ...

Challenges Faceing by the Agriculture Sector in INDIA. Regarding:  average farm size , droughts and floods , Low productivity , Climate change , Farmer suicides , Lack of access to markets , Labor shortage ,  Inefficient supply chains Small and fragmented landholdings: The average farm size in India is 1.15 hectares, which is one of the smallest in the world. This makes it difficult for farmers to achieve economies of scale and invest in productivity-enhancing technologies. Inadequate irrigation: About 60% of India's cultivated area depends on rainfall for irrigation. This makes farmers vulnerable to crop losses during droughts and floods. Low use of agricultural inputs: Only about 25% of Indian farmers use fertilizers and pesticides, and the use of other inputs, such as improved seeds, is also low. This is due to a number of factors, including lack of awareness, high costs, and poor access to credit. Low productivity: India's agricultural productivity is significantly lower t...

                       I am Khalsa I am Khalsa Son of Great GURU GOBIND SINGH JI. The khalsa means pure - The khalsa means pure. I am Khalsa.....  I took birth to save the rights of all, I always stand for the life of the poor. I am the one who does the SANGAT & PANGAT. I just believe in the saying of GURU GRANTH SAHIB JI. I Am the khalsa.... My blood and flesh is only for akal purakh, I can sacrifice it on the way of the GURU . I can dare to fight with more than I lack. Yes, I am Khalsa Khalsa took birth from the '' AMRIT". Which gives a lot of power. I proudly say I demolished the sinful traditions and customs. I am treating everyone equally, for me every human belongs to the same race on the earth. I am Khalsa   AUTHER -PARMINDER SINGH BHAMBA