jha
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ummmmm....not sure...let's say i have black money and got hold of launderers who arranged few accounts belonging to poor people...I deposited 2.5 L in each gave the launderer 20% or whatever the fee...and got my money back(80%) in installments...this trail of money is gonna look very much same to a genuine man/women who deposit their hard earned cash in bank and then given they are not digitized enough withdraw the same amount in installments....
I strongly believe that this is also one of the reason lines are still long...i mean look at it...almost 12L crore is already back in the system...which means a decent amount of black money has managed to come back...so most likely these zero balance/dormant accounts are on overdrive...the issue still remains how to differentiate b/w a genuine chap and fukcing black money holder....
Jan-Dhan accounts of poor are also under watch.So are dormant accounts. We can only wait and watch.