opensansad/lok-sabha-qa huggingface dataset:
Lok Sabha Question No. 5071 (UNSTARRED), answered on 2017-04-05
Subject: Complaints against Telecom Service Providers
Ministry: COMMUNICATIONS
Asked by: ANOOP MISHRA

## GOVERNMENT OF INDIA MINISTRY OF COMMUNICATIONS DEPARTMENT OF TELECOMMUNICATIONS

## LOK SABHA UNSTARRED QUESTION NO.5071 TO BE ANSWERED ON 5 TH   APRIL, 2017

## COMPLAINTS AGAINST TELECOM SERVICE PROVIDERS

5071. SHRI ANOOP MISHRA:

Will the Minister of COMMUNICATIONS be pleased to state:

- (a) whether consumers complaints regarding bills, connectivity, mobile portability, harassment etc. against Telecom Service Providers (TSPs) are increasing;
- (b) if so, the details thereof including the complaints received during each of the last three years and the current year, TSP-wise; and
- (c) the action taken by the Government against the erring TSPs?

## ANSWER

## THE MINISTER OF STATE (IC) OF THE MINISTRY OF COMMUNICATIONS & MINISTER OF STATE IN THE MINISTRY OF RAILWAYS (SHRI MANOJ SINHA)

- (a) to (c) The information is being collected and will be laid on the Table of the House.
- *************************
Lok Sabha Question No. 5070 (UNSTARRED), answered on 2017-04-05
Subject: Railway Bridges
Ministry: RAILWAYS
Asked by: RAKESH SINGH

## GOVERNMENT OF INDIA MINISTRY OF RAILWAYS

## LOK SABHA

## UNSTARRED QUESTION NO.5070 TO BE ANSWERED ON 05.04.2017

## RAILWAY BRIDGES

† 5070. SHRI RAKESH SINGH:

Will the Minister of RAILWAYS be pleased to state:

- (a)  whether  the  Government  is  facing  difficulty  in  conducting  trial for running a train between Jabalpur to Sukri and Ghansaur and  if so, the details thereof;
- (b)  whether it has come to the notice of the Government that substandard quality of bearings have been used in the construction of railway bridge on this route;
- (c)    if  so,  whether  the  Government  has  taken  any  action  in  this regard; and
- (d)  if so, the details thereof?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF RAILWAYS

## (SHRI RAJEN GOHAIN)

- (a)    51703/51704  and  51705/51706  Jabalpur  and  Sukrimangela 18.10.2016. Further,  these  services  have  been  extended  upto  Ghunsore  w.e.f.
- Passenger services have been introduced w.e.f. 31.03.2017.
- (b) to (d) During routine inspection by Construction Officials before Commissioner  of  Railway  Safety  (CRS)  inspection,  17  Nos.  of bearings  were  found  to  have  developed  a  bulge  which  were replaced immediately and the section including bridges have been declared fit to run the passenger traffic during CRS inspection.

*****
Lok Sabha Question No. 5068 (UNSTARRED), answered on 2017-04-05
Subject: BGR-34 Product
Ministry: SCIENCE AND TECHNOLOGY
Asked by: VIRENDER KASHYAP

## GOVERNMENT OF INDIA MINISTRY OF SCIENCE AND TECHNOLOGY DEPARTMENT OF SCIENTIFIC AND INDUSTRIAL RESEARCH

## LOK SABHA UNSTARRED QUESTION NO. 5068 (TO BE ANSWERED ON 05.04.2017) BGR-34 PRODUCT

## 5068.   SHRI VIRENDER KASHYAP:

## Will the Minister of SCIENCE AND TECHNOLOGY be pleased to state:

- (a) whether the Government has manufactured BGR-34 product for Diabetic patients;
- (b)
- if so, the details thereof;
- (c) whether the Government has evaluated the effectiveness of this drug; and
- (d) if so, the details thereof?

## ANSWER

## MINISTER OF STATE FOR SCIENCE AND TECHNOLOGY AND EARTH SCIENCES (SHRI Y.S. CHOWDARY)

- (a)&(b)Yes,  Madam.  Constituent  Laboratories  of  CSIR,  namely  CSIR-Central Institute  of  Medicinal  and  Aromatic  Plants  (CSIR-CIMAP)  and  CSIRNational Botanical Research Institute (CSIR-NBRI) have jointly developed the herbal formulation named NBRMAP-DB effective against diabetes. The formulation was licensed to M/s. AIMIL Pharmaceutical Pvt.  Ltd.,  New  Delhi  for  manufacturing  the  drug  and  marketing  the same with the brand name of BGR-34.
- (c)&(d)The  formulation  was  evaluated  on  small  animal  model  and  found effective against chemical induced type-II Diabetes mellitus. M/s. AIMIL Pharmaceutical Pvt. Ltd., New Delhi had conducted the clinical trial at Agarwal Dharmarth Hospital, New Delhi and started marketing the drug with  the  brand  name  of  BGR-34.  Further,  more  detailed  studies  on human  subjects  are  being  conducted  at  Banaras  Hindu  University (BHU), Varanasi.

*****
Lok Sabha Question No. 5067 (UNSTARRED), answered on 2017-04-05
Subject: Civil Services Act
Ministry: PERSONNEL, PUBLIC GRIEVANCES AND PENSIONS
Asked by: MANOJ RAJORIA

## GOVERNMENT OF INDIA MINISTRY OF PERSONNEL, PUBLIC GRIEVANCES AND PENSIONS

## (DEPARTMENT OF PERSONNEL & TRAINING)

## LOK SABHA UNSTARRED QUESTION NO. 5067

(TO BE ANSWERED ON 05.04.2017)

## CIVIL SERVICES ACT

## 5067. DR. MANOJ RAJORIA:

Will the PRIME MINISTER be pleased to state:

- (a) whether the Government as recommended in the 10th report of Second Administrative  Reforms  Commission,  has  been  contemplating  to  enact  a  new  Civil Services Act which would usher in Civil Services reforms by insulating bureaucracy from politics;
- (b) if so, the details thereof; and
- (c) if not, the reasons therefor?

## ANSWER

Minister of State in the Ministry of Personnel, Public Grievances and Pensions and Minister of State in the Prime Minister's Office. (DR. JITENDRA SINGH)

- (a):    No  Madam.  At  present,  there  is  no  proposal  relating  to  Civil  Services  Bill  under consideration.
- (b):   Does not arise.
- (c):        In  pursuance  of  para  16.17  of  the  10 th report of  2 nd ARC relating to Civil Services Code,  wherein  a Civil Services Bill was  to be proposed, it was  decided  that the recommendations of the 2 nd Administrative Reforms Commission need to be taken forward for  full  implementation  first  for  promoting  good governance  before  considering  a  proposal for Civil Services Performance Standard and Accountability Bill.

*****
Lok Sabha Question No. 5066 (UNSTARRED), answered on 2017-04-05
Subject: Cyber Laws
Ministry: ELECTRONICS AND INFORMATION TECHNOLOGY
Asked by: RANJANBEN BHATT

## GOVERNMENT OF INDIA MINISTRY OF ELECTRONICS AND INFORMATION TECHNOLOGY

## LOK SABHA UNSTARRED QUESTION NO. 5066

TO BE ANSWERED ON: 05.04.2017

## CYBER LAWS

## 5066 SHRIMATI RANJANBEN BHATT:

Will the Minister of Electronics & Information Technology be pleased to state:-

- (a) whether  cyber  laws  are  not  strict  enough  to  compensate  for  the  losses  incurred  by individuals immediately;
- (b) if so, whether the Government is considering to make the said laws stricter;
- (c) if so, the time by which it is likely to be done; and
- (d) if not, the reasons therefor?

## ANSWER

## MINISTER OF STATE FOR ELECTRONICS AND INFORMATION TECHNOLOGY (SHRI P.P. CHAUDHARY)

(a)  and  (b):  The  Information  Technology  Act,  2000  (with  its  amendments  in  2008), provides  comprehensive  legal  framework  to  deal  with  the  present  day  cyber  security breaches. Section 43 of the Act lists out various civil offences in which affected person can approach for the financial compensation. Further, section 43A of the Act specifically provides for compensation to the affected person in case of wrongful loss or wrongful gain arising out of data breach. Currently there is no proposal with the Government to amend the IT Act, 2000.

(c) and (d):    Do not arise.

*******
Lok Sabha Question No. 5065 (UNSTARRED), answered on 2017-04-05
Subject: Illegal use of Aadhaar
Ministry: ELECTRONICS AND INFORMATION TECHNOLOGY
Asked by: SISIR KUMAR ADHIKARI

## GOVERNMENT OF INDIA

## MINISTRY OF ELECTRONICS AND INFORMATION TECHNOLOGY

## LOK SABHA UNSTARRED QUESTION NO. 5065

TO BE ANSWERED ON: 05.04.2017

## ILLEGAL USE OF AADHAAR

## 5065. SHRI SISIR KUMAR ADHIKARI:

Will the Minister of ELECTRONICS AND INFORMATION TECHNOLOGY be pleased to state:

- (a) whether  the  Government  has  received  complaints  on  illegal  use  of  Aadhaar biometrics in the country;
- (b) if  so,  the  details  on  attempting  unauthorised  authentication  and  impersonation therein;
- (c) the details of such modus operandi and the financial loss incurred thereon; and
- (d) the action taken by the Government in this regard?

## ANSWER

## MINISTER OF STATE FOR   ELECTRONICS AND INFORMATION TECHNOLOGY (SHRI P.P. CHAUDHARY)

(a) to (d): An incidence has come to the notice where authentication was performed by one Aadhaar Number Holder using his stored biometrics. Formal FIR has been lodged and investigation in the matter is in progress.   So far no financial loss has been reported.

*******
Lok Sabha Question No. 5064 (UNSTARRED), answered on 2017-04-05
Subject: Aadhaar Enabled Payment System
Ministry: ELECTRONICS AND INFORMATION TECHNOLOGY
Asked by: JAYADEV GALLA

## GOVERNMENT OF INDIA MINISTRY OF ELECTRONICS AND INFORMATION TECHNOLOGY

## LOK SABHA UNSTARRED QUESTION NO. 5064

TO BE ANSWERED ON: 05.04.2017

## AADHAAR ENABLED PAYMENT SYSTEM

## 5064.   SHRI JAYADEV GALLA:

Will the Minister of ELECTRONICS AND INFORMATION TECHNOLOGY be pleased to state:

- (a)  whether  Unique  Identification  Authority  of  India  is  planning  to  increase  biometric authentication capacity of Aadhaar to push for Aadhaar enabled payment system to create a cashless society;
- (b) if so, the details thereof; and
- (c) the steps taken to create awareness about this mode of transaction among the people, particularly in rural areas?

## ANSWER

## MINISTER OF STATE FOR   ELECTRONICS AND INFORMATION TECHNOLOGY (SHRI P.P. CHAUDHARY)

- (a) Unique  Identification  Authority  of  India(UIDAI)  is  planning  to  enhance  per  day Authentication handling capacity to meet the increased demand of Aadhaar Authentication requests which are likely to come from various quarters.
- (b) UIDAI  is  in  the process to increase its authentication capacity to 10  crores transactions/day.
- (c) UIDAI has undertaken various media activities through print, audio, video and social media to create awareness about updating Aadhaar, Aadhaar enrolment, toll free number, targeted delivery of financial and other subsidies, benefits and services.

*******
Lok Sabha Question No. 5063 (UNSTARRED), answered on 2017-04-05
Subject: PMAY
Ministry: HOUSING AND URBAN  POVERTY ALLEVIATION
Asked by: NAGARAJAN P.

No. 5063

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN POVERTY ALLEVIATION LOK SABHA

## UNSTARRED QUESTION NO. 5063

TO BE ANSWERED ON APRIL 05, 2017

## PMAY

SHRI P. NAGARAJAN:

Will the Minister of HOUSING AND URBAN POVERTY ALLEVIATION be pleased to state:

- (a) whether the Government has decided to give free gas and water supply  connections  in  all  the  houses  built  across  the  country under the Pradhan Mantri Awas Yojana;
- (b) if so, the details thereof;
- (c) the time by which the said schemes are likely to be implemented;
- (d) the  total  number  of  people  who  will  be  benefited  from  these
- schemes; and
- (e) the total budget for the implementation of the project?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF HOUSING & URBAN POVERTY ALLEVIATION

## (RAO INDERJIT SINGH)

(a) to  (c):    The  Pradhan  Mantri  Awas  Yojana  (Urban)  {PMAY  (U)} mission  has  been  launched  on  25.06.2015  to  facilitate  the  efforts  of the  States/UTs  to  address  the  housing  shortage  of  its  citizens.  The Mission  will  provide  central  assistance  to  implementing  agencies through  States  and  UTs  for providing houses  to  all beneficiary families/beneficiaries  by  2022.  The  mission  guidelines  also  envisage that  houses  constructed  by  the  States/UTs  should  have  basic  civic infrastructure like water, sanitation, sewerage, road, electricity, etc.

(d) &  (e):  States/UTs  are  to  undertake  a  demand  assessment  and validate the same to determine the actual requirement of houses to be covered under the PMAY (U) mission. For 2017-18, an amount of Rs.4550.90  crore  has  been  provided  for  PMAY  (U)  in  the  Budget Estimate.

******
Lok Sabha Question No. 5062 (UNSTARRED), answered on 2017-04-05
Subject: Urban Sanitation
Ministry: URBAN DEVELOPMENT
Asked by: R. PARTHIPAN

No. 5062

## GOVERNMENT OF INDIA

## MINISTRY OF URBAN DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 5062

TO BE ANSWERED ON APRIL 05, 2017

## URBAN SANITATION

SHRI R. PARTHIPAN:

Will the Minister of URBAN DEVELOPMENT be pleased to state:

- (a) whether the Government has any roadmap to elevate India to the international  levels  of  urban  sanitation  that  is  found  in  developed Countries;
- (b) if so, the details thereof;
- (c)  whether  the  commitments  under  Global  Goals  for  Sustainable Development, ensure everyone everywhere, the access to basic toilets by 2030; and
- (d) if so, the details thereof and development in this regard?

## ANSWER

THE MINISTER OF STATE IN THE MINISTRY OF URBAN DEVELOPMENT

(RAO INDERJIT SINGH)

- (a)  &  (b):  The  Government  of  India  has  launched  'Swachh  Bharat Mission'  (SBM)  on  2nd  October,  2014  in  partnership  with  States  and Urban Local Bodies (ULBs) with aim to elevate India to the international  levels  of  urban  sanitation  that  is  found  in  developed Countries by creating infrastructure for end-to-end Solid Waste Management eradication of open defecation and bring about behavior changes in the citizens.

Contd....2/-

(c) & (d): Urban Development is a State Subject. Government of India supports the efforts of State Governments by providing technical and financial assistance to States under various schemes & programmes. In the Urban areas based on censes 2011 data and survey conducted by cites & towns, approximately 66,42,221 Nos. of Individual Household  Toilets  and  5,07,750  Nos.  of  Public  Toilet/Community Toilets are required to achieve access for all to toilets. In this regard, 31,55,520  Nos.  of  Individual  Household  Toilets  and  1,16,820  Nos.  of Public Toilet/Community Toilets seats have already been constructed.

******
Lok Sabha Question No. 5061 (UNSTARRED), answered on 2017-04-05
Subject: War Crimes by Sri Lanka
Ministry: EXTERNAL AFFAIRS
Asked by: C. N. JAYADEVAN

## GOVERNMENT OF INDIA

## MINISTRY OF EXTERNAL AFFAIRS

## LOK SABHA UNSTARRED QUESTION NO.5061 TO BE ANSWERED ON 05.04.2017

## WAR CRIMES BY SRI LANKA

5061. SHRI C. N. JAYADEVAN:

Will the Minister of EXTERNAL AFFAIRS be pleased to state:

- (a) whether Government's attention has been drawn to the recent United Nations report raising serious concern about the delay in  addressing  the  allegations  of  war  crimes  and  in  meeting other promises Colombo made when it co-sponsored a resolution at UN Human Rights Council in 2015;
- (b)
- if so, the details thereof; and
- (c) the steps taken by the Government to take up the matter with the Sri Lankan Government in order to protect the interests of Tamils in Sri Lanka?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF EXTERNAL AFFAIRS [GEN. (DR) V. K. SINGH (RETD)]

- (a) & (b) During  the  UN  Human  Rights  Council  (UNHRC)'s  34th Session from 27 February - 24 March, 2017, the Report of the Office of the United Nations High Commissioner for Human Rights (HCHR) on Sri Lanka was presented before the Council on 22 March 2017. This  report  assessed  the  progress  made  in  the  implementation  of UNHRC resolution 30/1, on promoting reconciliation, accountability and human rights in Sri Lanka between October 2015 and January 2017. On that basis, the HCHR has identified efforts that need to be taken  to  achieve  progress  in  the  reconciliation  and  accountability agenda  to  which  the  Government  of  Sri  Lanka  has  committed  by agreeing  to  be  the  co-sponsor  of  the  resolution  that  was  tabled before the UNHRC. The HCHR also advocates for the Government of Sri Lanka to continue meaningful consultations with relevant stakeholders  on  transitional  justice  and  the  reform  agenda,  and

urges the UNHRC to sustain its close engagement and monitoring of developments in Sri Lanka.

(c) India continues to remain engaged with Sri Lanka at all levels in its efforts to build a future that accommodates the aspirations of all  sections  of  society,  including  the  Sri  Lankan  Tamil  community, for a life of equality, justice, peace and dignity in a united Sri Lanka. The  Government  has  consistently  called  upon  Sri  Lanka  during bilateral discussions  and  in  the  international  fora  to  fulfill  its commitments  made  to  the  international  community  on  addressing the issues related to protecting the interest of Tamils in Sri Lanka.

Since  the  end  of  the  conflict  in  Sri  Lanka,  the  focus  of Government of India has been on the welfare and well-being of the Tamil  citizens  of  Sri  Lanka.  In  this  context,  the  Government  has implemented and continues to implement a wide range of projects covering assistance projects for Internally Displaced Persons (IDPs) in the areas of housing, de-mining, education, connectivity, livelihood restoration, economic revival etc.

*****
Lok Sabha Question No. 439 (STARRED), answered on 2017-03-31
Subject: Educational Loan Repayment Norms
Ministry: FINANCE
Asked by: ANBUMANI RAMADOSS

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES LOK SABHA

## TO BE ANSWERED ON THE 31 st  MARCH, 2017, CHAITRA 10, 1939 (SAKA)

## STARRED QUESTION NO. *439 EDUCATIONAL LOAN REPAYMENT NORMS

## *439.   DR. ANBUMANI RAMADOSS:

Will the Minister of Finance be pleased to state:

- (a) whether the  banks  have  followed  the  Indian  Banks  Association  (IBA)  norms  for repayment of educational loans by providing the repayment period upto 15 years and if so,  the  details  thereof  and  if  not,  the  reasons  therefor  along  with  the  remedial  action taken by the Government in this regard;
- (b) whether  some  banks  including  the  State  Bank  of  India  have  handed  over  the educational    loan  accounts  to  Asset  Recovery  Companies  (ARC)  even  without  giving sufficient opportunity to the student by expanding repayment period upto 180 months and if so, the details thereof along with the action taken against such banks, bank-wise; and
- (c) whether the Government proposes to issue instructions to the banks not to hand over the educational loan accounts to ARCs and to adopt legal methods for recovery of said loans and if so, the details thereof?

## ANSWER

## (FINANCE MINISTER)

(SHRI ARUN JAITLEY)

- (a) to (c): A Statement is laid on the Table of the House.

Statement referred to in reply to parts (a) to (c) of Lok Sabha Starred Question No. *439  for  answer  on  31 st   MARCH,  2017  tabled  by  DR.  ANBUMANI  RAMADOSS regarding EDUCATIONAL LOAN REPAYMENT NORMS

\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_

Model Educational Loan Scheme prepared by the Indian Banks' Association (IBA) in the year 2001 was circulated to banks for implementation by the Reserve Bank of India in April, 2001. Based on the suggestions from stakeholders and needs of the students, the Model Educational Loan Scheme has already been revised by IBA in August, 2015. Under the revised scheme, repayment period has been extended upto 15 years besides repayment  holiday  during  the  course  and  one  year  moratorium  for  repayment  after completion of studies in all cases.

RBI has issued guidelines which permit banks to engage recovery agents for recovery of all loans. Sale of loans to Asset Reconstruction Companies (ARCs) is in line with  RBI  guidelines  and  is  a  part  of  the  strategy  of  banks  to  reduce  Non-Performing Assets (NPAs) so that blocked funds get recycled and fresh loans can be given to the aspiring  and  needy  students  to  help  them  pursue  their  career  goals.  Government  has however,  advised  banks  to  adopt  non-coercive  differentiated  strategy  in  so  far  as recovery of education loan is concerned.

******
Lok Sabha Question No. 437 (STARRED), answered on 2017-03-31
Subject: Ombudsman for Digital Transaction
Ministry: FINANCE
Asked by: RAJESH RANJAN  (PAPPU  YADAV)

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

TO BE ANSWERED ON 31st MARCH, 2017 (FRIDAYJCHAITRA 10, 1939 (SAKA)

## LOK SABHA STARRED QUESTION No. 437

## Ombudsman for Digital Transaction

## 437 . SHRI RAJESH RANJAN:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government proposes to institute an office of Ombudsman to address the issues regarding customer service and grievances in relation to the e-wallet service providers and if so, the details thereof; and
- (b) the mechanism adopted by the Government to prevent fraudulentlfailedldelayed digital  transactions and recourse to the aggrieved customers post demonetisation?

## Answer THE FINANCE MINISTER (SHRI ARUN JAITLEY)

- (a) to (b):A Statement is laid on the Table of the House.

*****

## Position

Statement referred to in reply to parts (a) to (b) of Lok Sabha Starred Question No. 437 Position) for March, 2017 by SHRI RAJESH RANJAN; MP regarding "Ombudsman for Digital Transaction" . 31st (17th

- (a) and (b) Reserve Bank of India (RBI), vide its Circular dated 1st July, 2016, has issued policy guidelines on the Issue and Operation of Prepaid Payment Instruments (PPIs) Iike e-wallets in India. According to these guidelines, in case of PPI issued by banks, customers shall have recourse to the Banking Ombudsman Scheme for grievance redressal. Further, the non-bank PPI issuers shall in place an effective mechanism for redressal of customer  complaints along with escalation matrix and publicise the same for the benefit of customers. put
Lok Sabha Question No. 436 (STARRED), answered on 2017-03-31
Subject: Digital Payments through Thumb Impression
Ministry: FINANCE
Asked by: TARIQ ANWAR

## GOVERNMENT OF INDIA

## MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA

STARRED QUESTION No. *436

TO BE ANSWERED ON 31st MARCH, 2017 (FRIDAYYCHAITRA 10,1939 (SAKA)

## Digital Payments through Thumb Impression

## *436. SHRI TARIQ ANWAR:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government proposes to provide the facility of making payments through Paytm and thumb imprint;
- (c) whether the substantial amount of cash deposits in bank as a result of demonetisation is likely to lead to a rise in transactions in other sectors as well besides loan deals and if so, the details thereof; and
- (b) if so, the details thereof and the likely benefits of this scheme for the poor rural population of the country;
- (d) the eligibility criteria for granting loans to the needy and the poor people along with the documents required to be submitted in this regard?

## THE

## Answer FINANCE MINISTER (SHRI ARUN JAITLEY)

A Statement is laid on the Table of the House.

Position 16th

Statement referred to in reply to parts (a) to (d) of Lok Sabha Starred Question No.*436 Position) for 31st March, 2017 by Shri Tariq Anwar; MP. regarding 66 Digital Payments through Thumb Impression (16th

- (a) and (b) Bank Mitras using the Aadhaar-Enabled Payment System, provide fund transfer service between Aadhaar-seeded accounts, using  thumbprint-based biometric authentication.

Paytm is a private mobile payments and commerce platform of a private mobile Internet company:

- (c) and (d) Banks consider   different loan proposals based on their  commercial judgement and merits of each case keeping in view their loan policies and the guidelines of the regulators.