Problems

As the profit of India’s largest bank state bank of India reduced drastically for Q3 2016, and other public sector banks like bank of India reported a loss of Rs 1500+ crore, oriental bank of commerce a loss of Rs 425 crore, the stock market crashed again on 11 February 2016, as it increasingly became obvious that the non performing assets of these banks would affect their profitability and the indian financial sector.

Today it has become extremely difficult to do business in India, especially for those who are not well connected, due to the rampant atrocities, persecution of the all powerful indian intelligence and security agencies who cannot be held accountable or identified. These officials are extremely unreasonable, cruel, corrupt, careless, arrogant, unpatriotic and waste a huge amount of indian tax payer money defaming without proof, harassing harmless small business owners to torture them, causing great pain, make it impossible to do work, make a profit.

These officials can leave the small business owner alone, it will not affect national security or interest, and save tax payer money. It would be interesting to do a detailed analysis of the companies which are making a loss, whose revenues have reduced, contributing to the non performing assets of the bank, what are the factors which are contributing to the problems.

When it is extremely difficult for small business owners to make any money, how can they repay their loan to the public sector bank. When the government bank will make a loss, ultimately the indian government makes a loss, due to the poor systems, incompetence, corrupt, greed of their own intelligence and security agency officials who are allowed to run amok without being held accountable .

After the student unrest at Hyderabad, after the suicide of backward class/SC Phd student Rohith Vemula, now student unrest has been reported at JNU, Delhi with a student being arrested for anti national activity, Increasingly there is a tendency to label people who question corrupt dishonest greedy casteist officials as anti national to deny them their fundamental right and to harass them.
In case of Rohith vemula and his friends, the same problem was faced.

Compared to the last 40 years, corruption and intolerance levels in India in 2016 are extremely high, with powerful intelligence and security agency officials getting away with the most audacious frauds, for their personal gain or hatred. During the congress rule, at least some members like Manish Tewari would acknowledge the fact that the intelligence and security agency officials are abusing their powers for personal gain, hatred and some effort was made to regulate or end the abuse of power by these officials who cannot be identified.

In the last few years, the corrupt dishonest intelligence, security agency officials have been allowed to run amok and the ministers are labelling all protestors as anti national without evaluating whether the complaint or protest is valid. For example powerful fraud ntro officials, allegedly bribed by google, tata are falsely claiming that this website belongs to at least 8-9 lazy greedy fraud housewives, CHEATERS and SEX BRIBE GIVING r&aw/CBI employees when these lazy fraud R&AW/cbi employees do not spend any money online or do any work online.

In panaji,goa the criminal CONTRACT KILLER officials hired by google,tata are ruthless in stalking and torturing the harmless single woman obc engineer who actually owns the website, domain names so that they can enjoy lifetime FREE SEX with the lazy greedy goan sex bribe giving R&AW employees obc bhandari bsc sunaina chodnekar, diploma holder siddhi mandrekar,or get a lucrative salary for their mediocre lazy greedy friends and relatives like brahmin fraud nayanshree hathwar, goan gsb fraud housewife riddhi nayak, wasting indian tax payer money.

The latest criminal attack of the criminal contract killer officials in panaji, goa on the obc single woman engineer took place at around 7.20 pm on 12 February 2016 using radiation weapons and caused great pain, far more than a slap, a crime under section 323 and 324. The cowardly criminal officials posted in panaji,do not have the honesty or humanity to justify their daily criminal attack on a harmless single woman engineer in an open debate or provide a legally valid reason.

Not a single official in intelligence and security agencies in India, and in panaji, goa in particular thinks that it is wrong, unfair that a harmless hardworking civilian, Paypal account holder is being tortured daily causing great pain,getting nothing, while 8-9 lazy greedy fraud housewife, cheater, sex bribe giving R&AW/CBI employees are getting a salary only for FALSELY CLAIMING to own the paypal account of the obc single woman engineer being tortured daily

Any person who is professional and looking at the matter objectively will realize that R&AW/CBI/security agencies are extremely unfair to obc single woman engineer,domain investor and Paypal account holder and are cruelly torturing a harmless civilian. The recent report in Outlook India magazine indicated that open discrimination, injustice is becoming widespread in India, and marginalized, backward classes, minorities, women, dalits are worst affected.
So in future as the injustice becomes unbearable, more student and other protests in India are to be expected as people fight for justice and their fundamental rights like they fought the british.

Kindly note that the lazy greedy goan obc bhandari SEX BRIBE GIVING r&aw employee slim bsc sunaina is not a Paypal acount holder,not a domain investor, does not do any work online , is getting a R&AW salary only for having SEX with fraud ntro, cbi, R&AW, security agency officials in an indication of rampant injustice in India today

The media reported that 3 government banks central bank, allahabad bank, dena bank had reported losses due to rising non performing assets as business owners were unable to repay their loans. However the mainstream media refuses to report on the fact that the incompetent careless corrupt indian security and intelligence agencies are directly responsible for many of the business losses which are being reporting, causing the default of the business loans.

Instead of having a constructive approach, indian intelligence and security agencies will make completely fake allegations against small business owners without any proof for more than 5 years, for personal gain and for the benefit of other corporates. It is difficult for a trained engineer and business owner to realize that the all powerful intelligence and security agency officials could be so incompetent, dishonest, careless that they will make completely fake allegations against a harmless business owner without any proof at all, wasting a huge amount of indian tax payer money in the process.

For example, a domain investor was defamed terrorized by these incompetent careless intelligence and security agencies for nearly 6 years, only after 5 years she realized that these incompetent careless officials were making allegations without any proof and would never have the courage or honesty to face her in an open debate. The harassment caused great business losses, as she tried to change her business model, which these cunning officials were able to sabotage blocking payment after stealing her retirement savings without a court order or legally valid reason.

The revenues of the domain investor, a small business owner reduced drastically due to the harassment and other business owners in india, especially those who are not well connected must be facing the same problem. For an online business with foreign customers, most customers are paying on time due to the large investment involved, however if there are local customers, the payment is more likely to be blocked. When infinite tax payer money is being wasted to harass, torture small business owners, they will make losses and are unable to repay their loans.

The public sector banks which are lending to these business owners will have bad loans and make losses, causing losses to the government of india. So ultimately the poor systems in the all powerful indian intelligence and security agencies, abuse of power are causing losses to the government of India as real business owners are harassed without a legally valid reason, and tax payer is wasted on fraud R&AW/CBI employees faking their resume, investment.

All people should be aware of the fact that the lazy greedy fraud GOAN OBC bhandari R&AW employee bsc sunaina is one of the greatest financial fraudsters in goa and allegedly protected and rewarded by google, tata, sex bribe taking ntro, R&AW, cbi, security agency officials who take SEX bribes from the R&AW employee bsc sunaina.

The shameless fraud ntro official j srinivasan is infatuated with goan obc bhandari sex bribe giver bsc sunaina and falsely claims that the goan obc bhandari slut bsc sunaina, half his age was his btech 1993 classmate to get the mediocre inexperienced goan slut sunaina a lucrative R&AW job stealing the resume of his real obc engineering classmate, a single woman.

The fraud ntro officials j srinivasan and other fraud powerful officials having regular SEX with obc bhandari R&AW employee bsc sunaina are making FAKE BLACK MONEY ALLEGATIONS WITHOUT ANY PROOF AT ALL, against the obc single woman engineer, domain investor and Paypal account holder and falsely claiming that the sex bribe giving R&AW employee sunaina owns the domain names and paypal account of the obc single woman engineer to waste indian tax payer money paying the lazy greedy goan slut bsc sunaina a R&AW salary.

In reality the sex bribe giving goan obc bhandari R&AW employee sunaina does not spend any money online on websites or do any work online, yet the powerful fraud ntro, cbi, R&AW, google, tata officials taking sex bribes from R&aw employee sunaina are involved in a major FINANCIAL FRAUD when they falsely claim that their mistress sunaina, a lazy greedy fraud owns the Paypal account of the obc engineer and the associated bank account account, to give her a R&AW job.

There is no connection at all between the paypal account of the obc engineer and the fraud R&AW employee bsc sunaina, she cannot withdraw a single rupee from the bank account linked to the Paypal account, as the bank account is controlled by the obc engineer. However fraud cbi, ntro, R&AW officials are falsely claiming that the sex bribe giving r&AW employee bsc sunaina owns the paypal account of the obc engineer, to justify the wastage of indian tax payer money paying a salary to the fraud R&AW employee sunaina

The complete lies of sex bribe giving obc bhandari R&AW employee bsc sunaina, her powerful friends and relatives can be easily proved, yet no action has been taken against her till date, because her lovers and relatives are powerful. If she is not associated with the paypal account, why is she getting credit, a R&AW salary monthly. The news of the goan obc bhandari fraud R&AW employee bsc sunaina has been published extensively online, yet the top ntro, R&AW,cbi officials, security agency do not want to end the great financial fraud because of the SEX BRIBES being offered.

The lazy greedy inexperienced goan obc bhandari sex bribe giving R&AW employee bsc sunaina who is faking her resume, investment has become one of the greatest financial fraudsters in goa and india, and is probably a role model for the atm fraudsters who are looting atm users in goa. If top ntro, cbi,r&AW security agency officials can falsely claim their sex bribe giving girlfriend bsc sunaina owns the investment of a single woman obc engineer, who is not connected to her, then the atm fraudsters active in goa, think that taking and keeping the money of strangers is also acceptable, with sex bribe giving R&AW employee bsc sunaina their role model

An open challenge to ntro, R&AW, cbi, R&AW employee sunaina to file a case of defamation as the news of the FINANCIAL FRAUD of the sex bribe giving goan obc bhandari R&AW employee bsc sunaina chodnekar is largely correct.

It appears that there is a very big ATM fraud going on in Goa, with those behind the fraud taking full advantage of the misplaced priorities of the powerful intelligence and security agencies, who waste resources harassing, torturing harmless civilians for corporate goals and personal gain. After the icici, dena bank atm fraud, a new atm fraud at a private bank was reported in only one english daily and allegedly 6 people including 4 policemen were victims of the atm fraud which resulted in a loss of Rs 1.5 lakh.

The english daily did not mention the private bank where the atm fraud took place, and the private bank has told their customers to directly contact the cybercrime cell. Allegedly all the victims of the atm fraud had used their atm cards at atms in anjuna indicating that some tourist fraudsters may be at work, and the money was withdrawn from the atms in Mumbai misusing the stolen data.

With resources devoted to investigating the terror suspect sameer sardana, monitoring, harassing, torturing, framing, harmless paypal account holders to justify the wastage of indian tax payer money on lazy greedy goan sex bribe giving, housewife, cheater R&AW/CBI employees it appears that the atm fraudsters will be allowed to roam freely in goa causing more losses to bank account holders

Earlier punishment would deter people from committing crimes, however increasingly the top ntro, R&AW, cbi, security agency officials are rewarding known liars, cheaters and frauds with permanent R&AW/CBI jobs with salary and pension for the rest of their life. It appears that the people behind the three recent ATM frauds in Goa (ICICI, Dena and private sector bank) are inspired by the lazy greedy R&AW employees goan gsb fraud diploma holder siddhi mandrekar, shivalli brahmin cheater housewife bbm nayanshree hathwar and other fraud R&AW/CBI employees.

Both these extremely mediocre lazy greedy inexperienced brahmin cheater women have got lucrative R&AW jobs faking their resume, investment only for commiting corporate espionage on a single woman engineer, or cheating a single woman engineer of her hard earned money. Though the news of the fraud has been published extensively online damaging the reputation of India, these lazy greedy well connected fraud women continue to get great powers in the finance sector as reward for their section 420 fraud, getting a salary and pension from R&AW.

The atm fraudsters in goa are probably inspired by the notorious pampered lazy greedy goan gsb fraud siddhi mandrekar who commited corporate espionage, and like the mediocre lazy greedy goan gsb fraud siddhi mandrekar, they may also hope to get a lucrative R&AW job with salary and pension for the rest of their lives, great powers in the indian financial sector , after commiting their crime. Though the news of these fraud women has been published extensively online, no action has been taken against these shameless fraud R&AW employees indicating that crime is rewarded.

Till Indian banks, especially private sector banks continue to pamper and reward known frauds like the R&AW employees goan gsb cheater siddhi mandrekar, brahmin fraud nayanshree hathwar, these fraud women will become role models for financial cheaters, atm fraudsters all over india who will try to follow their footsteps and get PERMANENT RAW/CBI jobs

The recent ATM frauds amounting to more than Rs 13 lakh in Goa indicated that there are some serious security loopholes which can be easily exploited by the ATM fraudsters . According to media reports, in Goa there are around 500 ATMs installed at various places and approximately 40% of these ATMs have no security guard at all. Though RBI recommends that an ATM should have a security guard and CCTV these guidelines are not followed due to lack of resources. This can be dangerous as anyone can install a card skimmer on an unmanned atm.

However the same security and intelligence agencies in goa have more than enough resources to closely monitor a harmless single woman obc engineer for the last 5 years, wasting a huge amount of indian tax payer, for the goals of large corporates allegedly google, tata who wish to destroy competition, acquire talent and technology cheaply. Every word that is being typed on the laptop of the obc engineer,domain investor and paypal account holder is being closed monitored by ntro or security agency officials falsely claiming national security, when they actually want to harass her.

Most of the content is being generated only for seo purposes, no human being is likely to read all the content as google has systematically boycotted all the websites to destroy competition. Yet at least 30-40 security and intelligence agency officials especially goan R&AW/CBI employees gsb fraud riddhi nayak, siddhi mandrekar, obc slut bsc sunaina are being deployed in panaji, goa to monitor all the activities of the harmless single woman engineer, every word typed, denying her the fundamental right to privacy, to earn a living, which every indian citizen is entitled to.

This clearly indicates that the security and intelligence agencies in goa have misplaced priorities and are incompetent to some extent. The banks have indicated that they do not have the resources to monitor cctv footage of atms, they can easily outsource the activity to the security agencies who are otherwise idle, and have no work other than stalk and torture harmless single women in their homes and elsewhere. In many places, the security agencies can be hired for a fee by individuals and corporates depending on their requirement, the police protection to celebrities being an example. This will help harmless civilians avoid the daily torture of these idle officials and contribute to the state revenue.

Hardworking, honest obc investors who work very hard for years to save money for their old age should be aware of the fact that powerful fraud brahmin officials like nayak, mandrekar, kodancha, hathwar will ruthlessly defame them without any proof at all, cheat them, and steal their retirement savings without a court order or legally valid reason to get lucrative R&AW/CBI jobs for their lazy greedy medicre shameless cheater friends and relatives, or their obc puppets like the goan obc bhandari SEX BRIBE GIVER bsc sunaina who sleeps with them, indore housewife veena who will give these brahmin fraudsters a commission of the stolen money if the impersonation fraud will succeed.

These shameless brahmin officials are the most audacious fraudsters who specialize in making completely fake allegations without any proof at all and refuse to acknowledge their mistake. Now the obc engineer has realized the fraud of these shameless brahmin officials and has been trying to recover her hard earned money stolen by these greedy brahmin officials without a court order, to force her to agree to identity theft.

However these shameless brahmin frauds especially goan gsb frauds nayak, mandrekar are blocking the payment making fake excuses, abusing their powers after getting lucrative raw/cbi jobs for their mediocre lazy greedy fraud inexperienced relatives like diploma holder siddhi mandrekar who committed corporate espionage, housewife riddhi nayak, bengaluru housewife bbm nayanshree hathwar with fake resumes including faking btech 1993 EE degree from a top engineering college .

These officials have told all investment agencies in Goa not to cooperate in helping the obc engineer recover the hard earned money which was stolen by the fraud security and intelligence agencies making fake allegations without any proof. When the obc engineer approached an investment agent in goa , he said that she would recover only 10% of her hard earned money because tata, google were encouraging the agent not to help engineer or he was misled by the goan gsb fraud CBI/R&AW employees riddhi nayak siddhi mandrekar, riddhi’s shameless fraud husband, their relatives, friends and associates .

However since cbi, R&AW, security agencies have not been able to provide any proof against the harmless obc engineer after 6 years of defamation of an innocent hardworking single woman, the banks in mumbai are gradually returning all the hard earned money of the obc engineer as they realize that the indian security and intelligence agencies are involved in a fraud. Some banks have already returned the hard earned money of a harmless single woman engineer, and others will do so or face legal problems and loss of reputation as it is a case of theft which has been registered with the police.

So hardworking obc professionals, investors should realize that they are often targetted by powerful fraud brahmin officials in indian intelligence and security agencies who make completely fake allegations without any proof at all, to defame them, for personal gain. They should realize that defamation fake allegations without proof, theft of documents, open discrimination and impersonation frauds are an instrinsic part of life of a hardworking brilliant obc professionals in the brahmin dominated indian society today, with little help or justice.

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India continues to be one of the most corrupt countries in the world rated by transparency international because the most powerful officials in India working in security and intelligence agencies are extremely SHAMELESS FRAUDS with zero professional and personal integrity, easily bribed by corporates like google, tata.

these powerful shameless officials think that if a mediocre inexperienced lazy greedy fraud young woman has SEX with sex starved top officials in India, or is related to powerful fraud intelligence/security agency officials or will betray/cheat her family, she will become an experienced engineer with a btech 1993 EE degree from a top college overnight. The experienced engineering who has actually completed the btech 1993 EE degree and has worked as an engineer finds it difficult to trace the fraud top officials who will steal her retirement savings of twenty years without a court order, to blackmail her to agree to identity theft.

The top officials in India do not think that only a person who has completed the engineering course, worked as an engineer, should be treated as an engineer, indicating their lack of integrity, Today in 2016, CBI/R&AW are wasting indian tax payer money paying inflated salaries to at least 8-9 lazy greedy mediocre inexperienced fraud sex bribe givers, housewives, cheaters who are faking their btech 1993 EE degree, experience, investment.

Every person and organization with whom the experienced obc engineer is interacting with is being harassed by the fraud indian intelligence and security agencies who want to steal the resume, and keep the hard earned money of the single woman obc engineer. Most indian companies and organizations including mutual funds are extremely DISHONEST agreeing to the fraud, falsely claiming that 8-9 fraud CBI/r&aw employees including the lazy greedy inexperienced goan obc bhandari SEX BRIBE GIVER R&AW employee\ bsc sunaina who has sex with tata, google,cbi, R&AW, ntro, security agency officials, has the resume, investment of the obc engineer being tortured and exploited by the fraud shameless cowardly security agency officials

why do the pampered lazy greedy fraud sex bribe giving, housewife, cheater CBI/R&AW employees including goan obc slut R&AW employee bsc sunaina offering SEX BRIBES not work for their own resume, investment, why do they falsely claim to be associated, or own the investment of the brilliant obc single woman engineer, who their criminal fraud relatives and lovers are torturing without a legally valid reason, wasting indian tax payer money

In contrast to the dishonest Indian companies like sbi, ebay, mutual funds who are pampering the inexperienced lazy greedy goan obc bhandari SEX BRIBE giving R&AW employee bsc sunaina, falsely claiming sunaina, 2013 bsc has the btech 1993 EE degree, investment of the obc single woman engineer who fraud obc R&AW employee sunaina’s lovers and relatives are torturing , some foreign companies are more honest, refusing to acknowledge that the pampered inexperienced lazy greedy goan obc bhandari SEX BRIBE GIVING R&AW employee bsc sunaina is an experienced engineer or investor.

Till top indian officials think that having sex with powerful men, being a cheater, or being related to powerful fraud officials makes a mediocre fraud women an experienced engineer from a top college, investor overnight, india will remain one of the most corrupt countries in the world, while Denmark remains the most honest country as ranked by Transparency international