Bank Employee / Officer Expected DA Payable w.e.f - Aug'21 to Oct'21 Minimum 27 slab and Maximum 30 slab

 Expected DA Calculation Updated on 30.06.2021 on the basis of CPI for the month of May'21 that announced on 30.06.21 (there is an increase of just 0.50 points as per revised base year 2016 (base year changed from Oct 2020) and April'21 with assumptions of CPI for the month of Jun'21 as under

1. On assumptions if there is an increase of One point of CPI in the month of June'21. Keeping in view on going increase in fuel price and prices of other commonly required items which has made more and more difficult to manage family budget in the present covid crises. Accordingly, om this assumption we may expect there would be an increase of 30 slabs and the total tentatively revised DA slabs would be in terms of 11th BPS total tentatively revised DA slabs would be 397 i.e. 27.79% and in terms on 10th BPS the total DA slabs would be 875 slabs i.e. 87.50%.
2. On assumptions if there is an increase of 0.80 points in CPI in the month of June'21. On the basis of this assumption, we may expect there would be an increase of 29 slabs and the total tentatively revised DA slabs would be in terms of 11th BPS total tentatively revised DA slabs would be 396 i.e. 27.72% and in terms on 10th BPS the total DA slabs would be 874 slabs i.e. 87.40%.
3. On assumptions if there is an increase of 0.50 points in in CPI in the month of June'21. On the basis of this assumption, we may expect there would be an increase of 27 slabs and the total tentatively revised DA slabs would be in terms of 11th BPS total tentatively revised DA slabs would be 394 i.e. 27.58% and in terms on 10th BPS the total DA slabs would be 872 slabs i.e. 87.20%.

Friend it is purely assumption so you have to wait till 31st july for accurate data

Procedure to Obtain a Legal Heir Certificate

Legal Heir Certificate

  

In case of a sudden demise of a family member, a legal heir certificate must be obtained for transferring the assets of the deceased to his/her legal heirs. A legal heir certificate is a very important document to establish the relationship between the deceased and legal heirs. Once the death certificate is obtained from the municipality/corporation, the successors can apply for this legal heir certificate to claim their right over the deceased person’s properties and dues. Usually, lawyers help draft and register a legal heir certificate. 

Uses of a Legal Heir Certificate

A legal heir certificate identifies the rightful successor who then can claim the assets/properties of the deceased person. All eligible successors must possess this certificate to lay a claim over the deceased person’s property.

Legal heir certificate is required for the following purpose

• For transferring properties and assets of the demised person to his successors.
• For claiming insurance.
• For sanctioning and processing family pension of the deceased employee.
• To receive dues such as provident fund, gratuity, etc. from the government
• To receive salary arrears of the deceased, state or central government employee.
• To gain employment based on compassionate appointments. 

Generally, for any property purchase or registration, the buyer should request for a legal heir certificate to ascertain the ownership of the property. There can be instances, where there are several legal heirs for an ancestral property and in such cases, it is required that all legal heirs sign on the deed of conveyance giving their approval to avoid any litigations.

Who Can Apply For A Legal Heir Certificate

The following persons are considered legal heirs and can claim a legal heir certificate under the Indian Law:

• Spouse of the deceased.
• Children of the deceased (son/ daughter).
• Parents of the deceased.

Procedure to Obtain a Legal Heir Certificate

Legal Heir certificate can be obtained by approaching the area/taluk Thasildhar, or from the corporation/municipality office of the respective area, and from the district civil court. This certificate names all legal heirs of the deceased person and is issued only after a proper enquiry. The process of obtaining a legal heir certificate are stated below:

• The legitimate heir of the deceased person must approach the appropriate authority in the respective area and ask for the legal heir certificate application. The applicant must fill the application and submit the signed application to the concerned authority. This application contains the names of all the legal heirs, their relationship with the deceased and addresses of the family members.
• All the required documents including the death certificate of the departed person should be attached to the application. (Death certificate must be obtained from the municipality/corporation office).
• An affidavit on stamp paper or self declaration has to be submitted along with the application.
• Revenue Inspector/administrative officer conducts an inspection and completes the enquiry.
• Once the enquiry is completed successfully, the authorized officer issues the Legal heir certificate.

The process of obtaining a legal heir certificate generally takes 30 days. If there is an unnecessary delay in receiving this certificate or the concerned authorities fail to respond, you should then approach the Revenue Division Officer(RDO)/sub-collector. 

Documents Required For Obtaining a Legal Heir Certificate

In order to obtain a legal heir certificate, following is the list of documents required:

• Signed application form.
• Identity/Address proof of the applicant.
• Death certificate of the deceased.
• Date of Birth proof of all legal heirs.
• A self-undertaking affidavit.
• Address proof of the deceased.

Note:

• Identity Proof of Applicant can be voter’s ID, Aadhaar Card Driving License, Passport or any other government-issued identity card.
• Address proof of legal heir can be any valid identity proof or telephone/mobile bill, gas bill, bank passbook with the name and address of the legal heir
• Date of birth proof of legal heir can be a birth certificate, school transfer/leaving certificate, PAN card, passport etc.

Difference Between a Legal Heir Certificate And Succession Certificate

A legal heir certificate is different from a succession certificate,  a succession certificate is generally issued by the civil court and there are separate procedures to obtain the same. Major differences between these two certificates are listed below:

• Legal heir certificate usage is limited to certain matters such as claiming employee benefits of the deceased, insurance claims, property registration etc.
• A legal heir certificate is not conclusive proof under the law of succession in India.
• With respect to the settlement of any property which is disputed or under court litigation, a succession certificate is vital.

Disclaimer: The materials provided herein are solely for information purposes. No attorney-client relationship is created when you access or use the site or the materials. The information presented on this site does not constitute legal or professional advice and should not be relied upon for such purposes or used as a substitute for legal advice from an attorney licensed in your state.

Legal heir or Nominee? Who is the rightful owner?

 Legal Heir v. Nominee

The Indian Judiciary has time and again been confronted with the contentious issue whether the rightful ownership of asset (including shares/securities, properties etc.) rests with the legal heir or nominee? The obscurity pertaining to this legal aspect has compelled nominees and legal heirs to knock the doors of justice which has resulted in settling the legal principle that nominees only hold the assets on behalf of the legal heirs of the deceased and that mere nomination of shares does not amount to beneficial ownership of an asset.

What does the law say?

The provisions governing the law relating to nomination of shares and the power to nominate are enumerated under the Companies Act.

Nomination of Shares- Section 109A of the Companies Act, 1956 provides for the nomination of shares and states that where a nomination made in the prescribed manner purports to confer on any person the right to vest the shares in, or debentures of, the company, the nominee shall, on the death of the shareholder become entitled to all the rights in the shares or debentures of the company to the exclusion of all other persons, unless the nomination is varied or cancelled in the prescribed manner. Section 109B of the Companies Act provides for transmission of shares.

The statutory provisions under Section 109A and B were elaborately discussed by the Division Bench of the High Court of Bombay in the case of Shakti Yezdani v. Jayanand Jayant Salgaonkar , wherein the Court while interpreting the provisions was of the view that the nominee of a holder of shares or securities appointed under Section 109A of the Companies Act, 1956 is not entitled to the beneficial ownership of the shares or securities subject matter of nomination to the exclusion of all other persons who are entitled to inherit the estate of the holder as per the law of succession. Thus, the High Court held that nomination does not override the law in relation to testamentary or intestate succession. The provision regarding nomination are made with a view to ensure that the estate or the rights of the deceased subject matter of the nomination are protected till the legal representatives of the deceased take appropriate steps .

Judiciary’s Stance

Recent order by NCLAT- rightful ownership of shares remains with the legal heir and not the nominees-Oswal Greentech v. Mr Pankaj Oswal and Ors.[1]

Brief facts: In this case, the deceased namely Mr. Abhay Oswal held majority shares in Oswal Agro Mills Limited. The deceased had filed nomination in favour of one, Mrs. Aruna Oswal (nominee). After the death of deceased, the nominee filed request for registration of the impugned shares in her favour and the Company accordingly transferred the shares in the name of nominee. Thereafter, Mr. Pankaj Oswal (hereinafter referred to as ‘legal heir/ representative’), approached the National Company Law Tribunal (‘NCLT’) and contended that the transfer of shares to the nominee was in contravention of the law. The NCLT considering the above, held that the petition was maintainable. Aggrieved by the decision of the NCLT, the Company approached the NCLAT.

NCLAT’s order: The NCLAT passed an order in favour of the legal heir to hold that the shares of the deceased ultimately vest with the legal heir. The nominee appointed by the deceased is in possession of the shares only till the ownership is not transferred to the legal heir.

“The right arising out of an instrument does not vest with nominee automatically on the death of the original holder of the instrument. Nominee does not mean that the amount or the share belongs to the nominee. On the death of the holder of the instrument, the amount/ share vests with the legal heirs, the nominee merely holds the amount/ share herein till the matter of vesting is decided in favour of the legal heirs.”

It was further noted by the Appellate Tribunal that nominees only hold the assets on behalf of the legal heirs of the deceased and that mere nomination of shares does not amount to beneficial ownership of an asset.

The Courts have time and again reiterated that the legal heir and not the nominees have the rightful position to obtain ownership of the assets of the Deceased. In another case of Smt. Sarbati Devi and Anr. V. Smt. Usha Devi, the Hon’ble Supreme Court has held that a nomination cannot be given the same position as that of a will. Nomination and will are two different concepts and nomination could not be given the same legal status as that of a will. A nominee could not be considered as owner of a property. Mere nomination does not bestow beneficial ownership of assets to the nominees.

Other similar judgments on the issue are Uma Sehgal and Ors. vs Dwarka Dass Sehgal And Ors. , wherein the High Court of Delhi remarked that a nominee is nothing but a person who receives the payment on behalf of the heirs of the assured. Similarly in the case of Shipra Sengupta vs Mridul Sengupta & Ors. , the Supreme Court held that the amount in any head can be received by the nominee, but the amount can be claimed by the heirs of the deceased in accordance with law of succession governing them. In other words, nomination does not confer any beneficial interest on the nominee.

Exceptions to the Rule

Laws of Insurance- In catena of cases, it has been held by different High Courts that under Section 39 of the Insurance Act, the nominee is nothing more than an agent to receive the money due under the life insurance policy and that the money as such received remains the property of the assured during his life time and on his death forms part of his estate subject to the law of succession applicable to him .

However, the Legislature enacted the Insurance Law (Amendment) Act, 2015 which while altering the earlier settled position under the Laws of Insurance states that where a policyholder dies after the maturity of the policy but the proceeds and benefit of his policy has not been made to him because of his death, in such a case, his nominee shall be entitled to the proceeds and benefit of his policy .

RBI Circular- The Reserve Bank of India’s Master Circular on Nomination facility for Relief/Savings bonds provides that a the holder of a Relief/Savings bond, may nominate one or more persons who in the event of death of the holder would be entitled to the Relief/Savings bond and to the payment thereon.

Key Take Away

The highly speculated law has been set to rest by the decision of the Courts and Tribunals and it is now abundantly clear that the legal heir is the rightful owner of property of deceased and that the nominee only holds the property “in trust” and that the legal heir is free to make a claim over the property against the nominee. However, many a times the concept of nomination in matters of inheritance and succession leads to misunderstanding, on account of which nominees often end up making wrong claims of ownership of property of the deceased. In order to avoid such conflicts within the family it is always recommended that a person has a well planned Will in which he/she clearly sets out the terms of succession and nomination.

MUST READ Unbelievable & SHOCKING INFORMATION

MUST READ Unbelievable & SHOCKING INFORMATION.

DD Podhigai telecast an interview with Mr P M Nair, (retired IAS officer, who was the Secretary to Dr. Abdul Kalam Sir when he was the President.)

I summarise the points he spoke in a voice choked with emotion.

 Mr Nair authored a book titled *"Kalam Effect"*

1. Dr Kalam used to receive costly gifts whenever he went abroad as it is customary for many nations to give gifts to the visiting Heads of State. 

Refusing the gift would become an insult to the nation and an embarrassment for India. 

So, he received them and on his return, Dr Kalam asked the gifts to be photographed and then catalogued and handed over to the archives. 

Afterwards, he never even looked at them. He did not take even a pencil from the gifts received when he left Rashtrapathi Bhavan.

2.  In 2002, the year Dr Kalam took over, the Ramadan month came in July-August. 

It was a regular practice for the President to host an iftar party. 

Dr Kalam asked Mr Nair why he should host a party to people who are already well fed and asked him to find out how much would be the cost. 

Mr Nair told it would cost around Rs. 22 lakhs. 

Dr Kalam asked him to donate that amount to a few selected orphanages in the form of food, dresses and blankets. 

The selection of orphanages was left to a team in Rashtrapathi Bhavan and Dr Kalam had no role in it. 

After the selection was made, Dr Kalam asked Mr Nair to come inside his room and gave him a cheque for Rs 1 lakh. 

He said that he was giving some amount from his personal savings and this should not be informed to anyone.

 Mr Nair was so shocked that he said "Sir, I will go outside and tell everyone . People should know that here is a man who not only donated what he should have spent but he is giving his own money also". 

Dr Kalam though he was a devout Muslim did not have Iftar parties in the years in which he was the President. 

3. Dr Kalam did not like "Yes Sir" type of people. 

Once when the Chief Justice of India had come and on some point Dr Kalam expressed his view and asked Mr Nair,

 "Do you agree?" Mr Nair said "

No Sir, I do not agree with you". 

The Chief Justice was shocked and could not believe his ears. 

It was impossible for a civil servant to disagree with the President and that too so openly. 

Mr Nair told him that the President would question him afterwards why he disagreed and if the reason was logical 99% he would change his mind.

4. Dr Kalam invited 50 of his relatives to come to Delhi and they all stayed in Rashtrapathi Bhavan.

 He organised a bus for them to go around the city which was paid for by him. 

No official car was used. All their stay and food was calculated as per the instructions of Dr Kalam and the bill came to Rs 2 lakhs which he paid. 

In the history of this country no one has done it. 

Now, wait for the climax, Dr Kalam's elder brother stayed with him in his room for the entire one week as Dr Kalam wanted his brother to stay with him. 

When they left, Dr Kalam wanted to pay rent for that room also. 

Imagine the President of a country paying rent for the room in which he is staying.

 This was any way not agreed to by the staff who thought the honesty was getting too much to handle!!!.

5.  When Kalam Sir was to leave Rashtrapathi Bhavan at the end of his tenure, every staff member went and met him and paid their respects. 

Mr Nair went to him alone as his wife had fractured her leg and was confined to bed. Dr Kalam asked why his wife did not come. He replied that she was in bed due to an accident. 

Next day, Mr.Nair saw lot of policemen around his house and asked what had happened. 

They said that the President of India was coming to visit him in his house. He came and met his wife and chatted for some time. 

Mr Nair says that no president of any country would visit a civil servant's house and that too on such a simple pretext.

I thought I should give the details as many of you may not have seen the telecast and so it may be useful.

The younger brother of APJ Abdul Kalam runs an umbrella repairing shop. 

When Mr. Nair met him during Kalam’s funeral,  he touched his feet, in token of respect for both Mr. Nair and Brother.

Such information should be widely shared on social media as mainstream media will not show this because it doesn't carry the so-called GB TRP 

*The property left behind by Dr.A.P.J.Abdul Kalam was estimated.*

_

He owned

6 pants(2 DRDO uniforms)

4 shirts(2 DRDO uniforms)

3 suits (1 western, 2 Indian)

2500 books

1 flat (which he has donated)

1 Padmashri

1 Padmabhushan

1 Bharat Ratna

16 doctorates

1 website

1 twitter account

1 email id

He didn't have any TV, AC, car, jewellery, shares, land or bank balance.

He had even donated the last 8 years' pension towards the development of his village.

He was a real patriot and true Indian

India will for ever be grateful to you.

*Make sure all near and dear ones read this without fail*

Frequently Asked Questions on IBPS RRB PO and Minimum cut off marks

Frequently Asked Questions on IBPS RRB PO

Q 1. Is the IBPS RRB PO exam tough?

Ans. No, the IBPS RRB PO exam is not very tough to crack if you are well prepared.

Q 2. Is there sectional cut off in the IBPS RRB PO exam?

Ans. Yes, there is sectional cut off in the IBPS RRB PO prelims and mains exam.

Q 3. Is the IBPS RRB PO exam conducted online?

Ans. Yes, the IBPS RRB PO exam is conducted online only.

Q 4. Can I apply for the IBPS RRB Officer Scale I exam offline?

Ans. No, there is no offline mode to apply for the IBPS RRB Officer Scale I exam.

Q 5. How many vacancies have been released for the IBPS RRB PO 2021 exam?

Ans. More than 4000 vacancies have been released by the conducting body for the IBPS RRB PO exam to appoint Officers in Scale I in the various Regional Rural Banks across the country.

Q 6. What is the eligibility criteria to apply for the IBPS RRB PO post?

Ans. A set of eligibility criteria are released by the conducted body to appoint Scale I Officers in the various RRBs. This includes the nationality of the candidates and also the applicant’s age must be between 18 to 30 years and must atleast hold a Bachelor’s degree in any discipline.

IBPS RRB PO Preparation

The IBPS RRB Officer scale I exam is one of the most sought after exams in the country and aspirants across the country look for an opportunity to become a part of the Organisation.

Aspirants can check the Tips To Prepare for IBPS RRB exam at the linked article to get the best strategies to ace the PO scale examination.

Given below are a few tips that may help candidates prepare for the IBPS RRB PO exam 2021:

• Strategise a study plan and follow it
• Solve mock tests and practise papers on a regular basis
• Pay equal attention for preparation of each topic under each section
• Refer to the previous year question papers to understand th exam better
• Also referring to the exam analysis may prove to be of great help.

IBPS RRB PO Prelims Cut Off 2020-21
State Name	Cut-off
	Gen	OBC
UP	47	46.75
J& K	52	—
Rajasthan	66	66
Gujarat	59.75	59.77
Andhra Pradesh	52.75	—
Odisha	62.75	—
Jharkhand	—	54 .25
Haryana	60.50	—
Bihar	48	—
Maharashtra	—	47.25
Tamilnadu	—	54
Chhattisgarh	43.25	—
West Bengal	52	—

Given below is the state-wise IBPS RRB Officer Scale I cut off 2019  and 2018 for the Prelims Examination:

State-wise IBPS RRB Cut Off Prelims – Officer Scale I
State Name	Year (UR Cut Off)
	2019	2018
Andhra Pradesh	58.50	52.50
Assam	41.50	29.25
Bihar	58	45
Chhattisgarh	55.50	53.50
Gujarat	43.50	48.25
Haryana	64.50	57
Himachal Pradesh	59.75	57.95
Jammu & Kashmir	55.25	47.25
Jharkhand	59.5	55.00
Karnataka	46.25	44.25
Kerala	61	57.50
Madhya Pradesh	54.70	51.35
Maharashtra	56	47.50
Punjab	63.50	54.75
Odisha	55.75	50.50
Rajasthan	58.50	50.50
Tamil Nadu	55.25	43.25
Telangana	54	45.25
Uttar Pradesh	58.75	50
Uttarakhand	65	54
West Bengal	55.25	48.50

Given below is the state-wise IBPS RRB PO Mains cut off:

State-wise IBPS RRB Cut Off Mains – Officer Scale I
States	Year (UR Cut Off)
	2019	2018
Arunachal Pradesh	66.56	—
Andhra Pradesh	79.81	89.31
Bihar	86.25	81.69
Chhattisgarh	84.94	103.89
Gujarat	55.19	86
Haryana	92.19	100.86
Himachal Pradesh	91.06	99.50
Jammu & Kashmir	93.88	91
Jharkhand	91.13	92.63
Karnataka	57.44	82.75
Kerala	95.69	92.75
Madhya Pradesh	82.56	97.06
Maharashtra	54.75	85.25
Manipur	68.63	59.88
Meghalaya	63.94	NA
Mizoram	92.94	70.25
Nagaland	NA	76.63
Odisha	80.13	86.38
Puducherry	91.19	65
Punjab	99.19	99.81
Rajasthan	88.69	91.38
Tamil Nadu	86.00	58.56
Telangana	71.56	81.63
Tripura	60.44	78.69
Uttar Pradesh	87.81	89.69
Uttarakhand	102.81	100.13
West Bengal	87.44	92.06
Assam	74.56	83.

Modi sarkar has a clear edge on the privatisation agenda vs bank employee union

TAX SAVINGS U/S 80G

If you have already exhausted the Rs1.50 lakh limit investment under section 80C, also bought a health insurance policy, made an additional contribution to NPS(u/s 80CCD), you still have ways and means to reduce your tax liability. You can save tax using the deductions available under section 80G of the Income Tax Act. Section 80G of the I-T Act allows donations made to specified relief funds and charitable institutions as a deduction from gross total income before arriving at taxable income. Not only you are contributing to a noble cause, but this section will also help you to reduce considerable tax liability.

For example, Mr.Ram’s taxable income for the current financial year arrived at Rs 505000 after his Gross Total Income minus (i) all exempted incomes, (ii) long-term capital gains and, (iii) all deductions under section 80C to 80U except for 80G. Therefore, Mr.Ram is liable to pay an income tax of Rs 14040 as his taxable income exceeds Rs.5 lakh. Suppose Mr.Ram donates Rs.5000 to a specified Charitable Trust, his taxable income reduces to Rs.500000.Now Ram is entitled to claim a tax rebate of Rs. 12,500 under section 87A as his income does not exceed Rs 5 lakh. Thus his taxable income becomes Nil and he saves tax liability of Rs 14040 by donating Rs 5000.

The amount of donation which can be claimed as a deduction under section 80G is governed by certain income tax rules. The tax-payers can claim either 100% or 50% of the amount donated as a deduction subject to ‘With’ or ‘Without’ the upper limit as provided under section 80G.

The Prime Minister’s National Relief Fund, National Defence Fund, Chief Minister’s Relief Fund or Lieutenant Governor’s Relief Fund with respect to any State or Union Territory, Swachh Bharat Kosh (applicable from FY 2014-15), Clean Ganga Fund (applicable from FY 2014-15), and National Fund for Control of Drug Abuse (applicable from FY 2015-16) are some examples of funds set up by the central government on which ‘without upper limit’ and 100% deduction clauses are applicable. An Individual can claim a deduction on 100% of the amount donated. The Donations Eligible for 50% Deduction ‘Without Qualifying Limit’ are Jawaharlal Nehru Memorial Fund, Prime Minister’s Drought Relief Fund, Indira Gandhi Memorial Trust, and Rajiv Gandhi Foundation.

Deduction on donations ‘With upper limit’:

Donations made to certain institutions where the ‘With upper limit’ clause is applicable then deduction can be claimed as either 100% or 50% (whichever is permitted for that specific entity) of 10% of the Gross adjusted income of the individual*.

Donations to the government or any approved local authority, institution, or association to be utilized for the purpose of promoting family planning, donation by a Company to the Indian Olympic Association, or to any other notified association or institution established in India for the development of infrastructure for sports and games in India, or the sponsorship of sports and games in India are eligible for 100% claim of deductions subject to 10% of Adjusted Gross Total Income. Other institutions or funds which satisfy conditions under section 80G (5) are eligible for 50% claim of deductions subject to 10% of Adjusted Gross Total Income. Any corporation referred to in Section 10(26BB) for promoting the interest of the minority community,and for repairs or renovation of any notified temple, mosque, gurudwara, church or other places are a few examples which falls under this category.

*Gross Adjusted income for this purpose is calculated as Gross Total Income minus (i) all exempted incomes, (ii) long-term capital gains and, (iii) all deductions under section 80C to 80U except for 80G.

Workload Dustribution among Nationalized & Pvt. Bank🥶

Workload Dustribution among Nationalized & Pvt. Bank🥶

DIVORCE CASE FILED BY A BANKER'S WIFE*

*😀😀😀 DIVORCE CASE FILED BY A BANKER'S WIFE*

*Judge to wife: Why u have applied for Divorce.*

*Wife: My husband cheated and married me .*

*Judge: How?*

*Wife: He told me before marriage that he is a bank employee.*

*Judge: Is he not a bank employee??*

*Wife: No*

*Judge: How do you know?*

*Wife: Earlier, he worked for gas agency.* 

*Judge to Banker husband: Have you done that?*

*Husband: Yes Sir, That is for DBTL?*

*Wife: Later, he went all through the town and did survey*

*Judge to banker husband: Have you done that?* 

*Husband: Yes Sir, That is for PMJDY*

*Wife: Later, he did marketing for insurance company.*

*Judge to banker husband: Have you done that?* 

*Husband: Yes Sir, Thats for PMJSY, TATA AIA, BAJAJ  ALLIANZ 

*Wife: So, he is not a banker as he is not doing banking job*.

*Judge: No, he is a banker. It is true.*

*Wife: Your honour, How can you say that?*

*Judge: Usne 3 baar yes sir yes sir bola, banker kabhi bhi no sir no sir nahi bolega.* 

*Judge: Be ready one day he will definitely sell movie tickets and vegetables*

*CASE DISMISSED.*

*Salute to all Bankers who are working in this lockdown also without any break*