People are eager to see the Ache din come fast.

 The PM has good  intentions and vision for the Country and its poor people in particular . But the fact of the matter is that some of the policies initated by the government have gone against the poor and they are worst affected. The service tax on almost all items affect almost all which can be intelligently avoided had it been aimed only at bigwigs. The intended service tax revenues can be easily made up by levying a cess on all luxury purchases, travels,  expensive games and sports etc.  Like wise the cutting of interest rate on small savings in the Post offices mostly affcted the lower middle class and poor who save in Post offices because of convenience and personal touch they get from the officials. This can also be avoided by having lower interest  on banks deposits  above a cut off limit and avoiding the incentives the banks give  on high value deposits and eliminating  interest cuts to those who avail of big loans  through contacts and influence. Some of the loans do not even cover the Cost of funds of banks is a reality which need to be arrested completely.   Banks do not care for the masses have been proved beyond doubt for the past sixty years and they are the source of loot by those who run them Viz Politicians Bureaucrats, industrialists and all their Chamchas. Professionalism is alien to banks and banks have the art of keeping poor people away by their actions, interactions with the poor, and lack of personal touch with people who matter and deal with them. The Jandhan Yojana is an excellent  scheme but this can work only if the bankers put their minds and hearts which cannot be ensured with the present system of their functioning and management.  The PM has all good intentions and people are with him but the implementing agencies and the Officials in them are not on the same page as the PM thinks is unfortunately the reality. Further Sixty years of wrong doings cannot be set right overnight is also a reality though Change is desirable and needs to be vigorously pursued keeping a constant monitoring of the implementation of the policies intended for change. People are very eager to see the achedin to come fast .

Dr T V Gopalakrishnan  

(This comment sent to Business Standard on 27/3/16)