Hi Amar,
I have my signature on newly applied pancard will i face any legal
issue in future? I'm holding 2 pancard one with signature another with
thumb impression with same pan number. I had reapplied for pancard in
the month of February because i was facing problem while linking pan
with aadhar due to gender mismatch.

On 3/21/22, Amar Jain <[email protected]> wrote:
> Whilst it is true that they verify the document by clicking the
> photograph, but do note that they also verify the signature from your
> PAN records which is accessible to banking companies from the ITD
> directly.
>
> Further, their CBS softwares are capable of handleing different
> signature patterns and detect counterfeiting if any. That is how in fact
> cheques are also authenticated for signatures in CTS.
>
> Legally they are not wrong in requesting customer for physical KYC due
> to usage of biometrics i.e. thumb impression.
> On 21/03/2022 10:14, Mahesh S. Panicker wrote:
>> Think they authenticate your ID, PAN and Aadhar, and match it with the
>> person. You have to show them the documents in a way wherein they can
>> click a photograph of the document. They would also need to click you.
>> This is what I was told by both Standard Chartered and American
>> Express. So its not really about the signature, as the application is
>> anyways taken online. So, ICICI shouldn't create much fuss really. You
>> should surely not let it go, fight it out, they do have processes to
>> get cards issued to blind person, just that most people dealing with
>> it aren't aware of the same.
>>
>> On 3/20/22, Amar Jain <[email protected]> wrote:
>>> Bharat-authenticating thumb impression on a video kyc is not possible.
>>>
>>> CEO or nodal officer or compliance officer can correct the situation
>>> before
>>> it gets escalated.
>>>
>>> Letting RBI know only helps from the perspective of data collection
>>> perspective.
>>>
>>> Regards,
>>> Amar Jain
>>>
>>> Sent from my iPhone
>>>
>>>> On 20-Mar-2022, at 9:49 PM, Bharat <[email protected]> wrote:
>>>>
>>>> I generally wonder, how are people  who put their signature instead
>>>> of
>>>> a thumb impression are more reliable & trustworthy. Even the blind
>>>> people, if they can't  vouch for their own signature, which most of
>>>> them cannot, how & why are they should be taken at the face value?
>>>>
>>>> The entire world seems to be against those who don't sign but use
>>>> their thumb impression to authenticate themselves.
>>>>
>>>> Thank you,
>>>>
>>>> Bharat.
>>>>
>>>>> On 3/20/22, Bharat <[email protected]> wrote:
>>>>> Isn't that hillarious? the CEO of the bank needs to authorise
>>>>> extreme
>>>>> dangerous concern of the issuance of a credit card to a blind
>>>>> person!
>>>>> Wow, I am seriously impressed. Every 2 days I receive a call asking
>>>>> me
>>>>> why did I not complete my KYC? As soon as I tell them of my
>>>>> blindness.
>>>>> They tell me they would check & get back. & of course, they never
>>>>> get
>>>>> back.
>>>>>
>>>>> Thank you,
>>>>>
>>>>> Bharat.
>>>>>
>>>>>> On 3/20/22, Amar Jain <[email protected]> wrote:
>>>>>> Bharat-very interesting!
>>>>>>
>>>>>> I Did apply but when they said that follow physical process, I left
>>>>>> it.
>>>>>>
>>>>>> One advice I would have given was to write to the CEO and then
>>>>>> approach
>>>>>> RBI.
>>>>>> But since you have already filed, then let’s wait.
>>>>>>
>>>>>> Regards,
>>>>>> Amar Jain
>>>>>>
>>>>>> Sent from my iPhone
>>>>>>
>>>>>>> On 20-Mar-2022, at 5:37 PM, Bharat <[email protected]> wrote:
>>>>>>>
>>>>>>> the challenge is, while trying to file a follow up complaint with
>>>>>>> the
>>>>>>> hiegher ups, it started asking me to choose the correct  cotegory
>>>>>>> &
>>>>>>> refused  to allow me to proceed to the next level.
>>>>>>>
>>>>>>> About the social media bit, you are right. Wonder, how i never
>>>>>>> thought
>>>>>>> of
>>>>>>> it.
>>>>>>>
>>>>>>> Thank you,
>>>>>>>
>>>>>>> bharat.
>>>>>>>
>>>>>>>> On 3/20/22, Mahesh S. Panicker <[email protected]> wrote:
>>>>>>>> In the mean time, you can also use ICICI's social media pages to
>>>>>>>> highlight the issue. Post comments to some of their posts, then
>>>>>>>> send
>>>>>>>> a
>>>>>>>> private message detailing the issue. Also, keep the channels
>>>>>>>> opened
>>>>>>>> with the higher authorities in the bank, the nodal officer,
>>>>>>>> principal
>>>>>>>> nodal officer, and also try finding out the CEO desk mail ID and
>>>>>>>> let
>>>>>>>> them know about the issue. Based on my experience, the people at
>>>>>>>> the
>>>>>>>> higher levels at ICICI, seem to be more sensitive and sensible.
>>>>>>>>
>>>>>>>>> On 3/20/22, Bharat <[email protected]> wrote:
>>>>>>>>> I have finally gone ahead & complained to RBI regarding this.
>>>>>>>>> Although
>>>>>>>>> I couldn't manage to save my complaint copy due to some
>>>>>>>>> confusion. I
>>>>>>>>> tried to reach out to their futher complaint authorities but all
>>>>>>>>> the
>>>>>>>>> time i Kept getting  a message saying this particular complaint
>>>>>>>>> doesn't belong to their queue.
>>>>>>>>>
>>>>>>>>> Lets see, what does ICICI bank say about it.
>>>>>>>>>
>>>>>>>>> Thank you once again to everyone for their guidance in this
>>>>>>>>> regard.
>>>>>>>>> I
>>>>>>>>> would get back to you with what happens in  this regard.
>>>>>>>>>
>>>>>>>>> thank you,
>>>>>>>>>
>>>>>>>>> bharat.
>>>>>>>>>
>>>>>>>>> On 3/20/22, Shek Mohammad Ali <[email protected]> wrote:
>>>>>>>>>> I'm also puzzled how they are stating that physical KYC is no
>>>>>>>>>> more.
>>>>>>>>>> I just did physical KYC in HDFC by visiting to the branch
>>>>>>>>>> yesterday.
>>>>>>>>>> On the other hand, I had applied for am Icici card couple of
>>>>>>>>>> months
>>>>>>>>>> back
>>>>>>>>>> but
>>>>>>>>>> had not got any update concerning my application though.
>>>>>>>>>> Probably internally they might have discontinued physical KYC
>>>>>>>>>> and
>>>>>>>>>> please
>>>>>>>>>> ask
>>>>>>>>>> them to provide circular/notification from the RBI or from
>>>>>>>>>> Icici
>>>>>>>>>> itself.
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>> Thanks and best regards,
>>>>>>>>>> Ali
>>>>>>>>>> Sent from my iPhone
>>>>>>>>>>
>>>>>>>>>>> On 19-Mar-2022, at 9:13 PM, Harshit Lohia <[email protected]>
>>>>>>>>>>> wrote:
>>>>>>>>>>>
>>>>>>>>>>> Hi,
>>>>>>>>>>> RBI guidelines on Video KYC can be accessed from the below
>>>>>>>>>>> link
>>>>>>>>>>> https://rbidocs.rbi.org.in/rdocs/notification/PDFs/NT354BE2BCC23B344982BD5793737940EFF3.PDF
>>>>>>>>>>>
>>>>>>>>>>>> On 3/19/22, Harshit Lohia <[email protected]> wrote:
>>>>>>>>>>>> Hi Bharat,
>>>>>>>>>>>> Proceed with registering your complaint with RBI Ombudsman. I
>>>>>>>>>>>> am
>>>>>>>>>>>> not
>>>>>>>>>>>> aware of RBI guidelines by which physical KYC is permanently
>>>>>>>>>>>> closed.
>>>>>>>>>>>>
>>>>>>>>>>>>> On 3/17/22, Bharat <[email protected]> wrote:
>>>>>>>>>>>>> Hi all,
>>>>>>>>>>>>>
>>>>>>>>>>>>> I have heard from ICICI regarding my request. As expected,
>>>>>>>>>>>>> they
>>>>>>>>>>>>> refuse
>>>>>>>>>>>>> to help. Should I still continue to persue their complaint
>>>>>>>>>>>>> redressal
>>>>>>>>>>>>> system or directly reach out to RBI in this regard.
>>>>>>>>>>>>>
>>>>>>>>>>>>> Please have a look at the below mail:
>>>>>>>>>>>>>
>>>>>>>>>>>>> ---------
>>>>>>>>>>>>>
>>>>>>>>>>>>> Dear Customer,
>>>>>>>>>>>>>
>>>>>>>>>>>>> Greetings from ICICI Bank.
>>>>>>>>>>>>>
>>>>>>>>>>>>> Hope you and your loved ones are healthy and safe.
>>>>>>>>>>>>>
>>>>>>>>>>>>> We sincerely regret for the delay in response and
>>>>>>>>>>>>> inconvenience
>>>>>>>>>>>>> caused
>>>>>>>>>>>>> to
>>>>>>>>>>>>> you.
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>> Based on our record your application is not eligible for
>>>>>>>>>>>>> video
>>>>>>>>>>>>> KYC.
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>> In case you wish to do video KYC, we suggest cancelling the
>>>>>>>>>>>>> application and applying again. You can opt for Video KYC in
>>>>>>>>>>>>> the
>>>>>>>>>>>>> new
>>>>>>>>>>>>> application.
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>> However, please be informed that the cancellation request
>>>>>>>>>>>>> will
>>>>>>>>>>>>> take
>>>>>>>>>>>>> 7
>>>>>>>>>>>>> working days to get processed and the application will be
>>>>>>>>>>>>> de-linked
>>>>>>>>>>>>> in
>>>>>>>>>>>>> another 7 working days.
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>> Hence you can apply again only post 14 working days. Please
>>>>>>>>>>>>> revert
>>>>>>>>>>>>> back to us with your confirmation and we shall raise a
>>>>>>>>>>>>> request
>>>>>>>>>>>>> for
>>>>>>>>>>>>> cancellation.
>>>>>>>>>>>>>
>>>>>>>>>>>>> Please be informed that due to RBI guidelines, Physical KYC
>>>>>>>>>>>>> is
>>>>>>>>>>>>> permanently closed. You can only apply through Video KYC if
>>>>>>>>>>>>> Aadhaar
>>>>>>>>>>>>> linked with your mobile number and complete address updated
>>>>>>>>>>>>> in
>>>>>>>>>>>>> your
>>>>>>>>>>>>> Aadhaar.
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>> Looking forward to more opportunities to be of service to
>>>>>>>>>>>>> you
>>>>>>>>>>>>>
>>>>>>>>>>>>> Thank you for giving us the opportunity to serve.
>>>>>>>>>>>>>
>>>>>>>>>>>>> Bank Digitally and Stay Safe!
>>>>>>>>>>>>>
>>>>>>>>>>>>> Sincerely,
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>> Manimegalai R
>>>>>>>>>>>>> Customer Service Officer
>>>>>>>>>>>>> ICICI Bank Limited
>>>>>>>>>>>>>
>>>>>>>>>>>>> On 3/16/22, Bharat <[email protected]> wrote:
>>>>>>>>>>>>>> Hi Harshit,
>>>>>>>>>>>>>>
>>>>>>>>>>>>>> Thank you so much for the prompt reply. I would surely do
>>>>>>>>>>>>>> that
>>>>>>>>>>>>>> in
>>>>>>>>>>>>>> case
>>>>>>>>>>>>>> nothing works & would certainly get back witht he final
>>>>>>>>>>>>>> outcome.
>>>>>>>>>>>>>>
>>>>>>>>>>>>>> Thank you,
>>>>>>>>>>>>>>
>>>>>>>>>>>>>> Bharat.
>>>>>>>>>>>>>>
>>>>>>>>>>>>>> On 3/15/22, Harshit Lohia <[email protected]> wrote:
>>>>>>>>>>>>>>> Dear Mr. Bharat,
>>>>>>>>>>>>>>> Please note the date on which you have made a complaint to
>>>>>>>>>>>>>>> ICICI
>>>>>>>>>>>>>>> bank.
>>>>>>>>>>>>>>> On 30th day of filing complaint with ICICI bank approach
>>>>>>>>>>>>>>> RBI
>>>>>>>>>>>>>>> Ombudsman
>>>>>>>>>>>>>>> via CMS portal. The link is available on RBI's official
>>>>>>>>>>>>>>> website.
>>>>>>>>>>>>>>> While
>>>>>>>>>>>>>>> registering the complaint mention that you have approached
>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>> bank
>>>>>>>>>>>>>>> on
>>>>>>>>>>>>>>> which date; your declaration in this regard may suffice.
>>>>>>>>>>>>>>> You
>>>>>>>>>>>>>>> may
>>>>>>>>>>>>>>> choose to attach any other document/communication such as
>>>>>>>>>>>>>>> mail
>>>>>>>>>>>>>>> regarding schedule of KYC call or application copy. If you
>>>>>>>>>>>>>>> don't
>>>>>>>>>>>>>>> have
>>>>>>>>>>>>>>> any document you may submit the complaint without any
>>>>>>>>>>>>>>> attachment
>>>>>>>>>>>>>>> also.
>>>>>>>>>>>>>>> This pressurises the bank to act with urgency.
>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>> Regards
>>>>>>>>>>>>>>> Harshit
>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>> On 3/15/22, Bharat <[email protected]> wrote:
>>>>>>>>>>>>>>>> Hi,
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>> Here is the update on this. My Kyc has now been
>>>>>>>>>>>>>>>> rescheduled
>>>>>>>>>>>>>>>> for
>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>> 3rd time. On  each of these days, let alone the
>>>>>>>>>>>>>>>> represetative
>>>>>>>>>>>>>>>> visit,
>>>>>>>>>>>>>>>> I
>>>>>>>>>>>>>>>> haven't even received a phone call from anyone.
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>> I have also written to ICICI on their website for the 1st
>>>>>>>>>>>>>>>> level
>>>>>>>>>>>>>>>> complaint but to no avail as no one got back to me.
>>>>>>>>>>>>>>>> Considering,
>>>>>>>>>>>>>>>> ICICI
>>>>>>>>>>>>>>>> did not send me a copy of my submission to me despite
>>>>>>>>>>>>>>>> asking
>>>>>>>>>>>>>>>> for
>>>>>>>>>>>>>>>> my
>>>>>>>>>>>>>>>> email ID at the time of submitting my request, I don't
>>>>>>>>>>>>>>>> even
>>>>>>>>>>>>>>>> have
>>>>>>>>>>>>>>>> a
>>>>>>>>>>>>>>>> proof of my submission.
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>> I called up the Amazon customercare who assured me that
>>>>>>>>>>>>>>>> they
>>>>>>>>>>>>>>>> have
>>>>>>>>>>>>>>>> raised my concern to the verification department & have
>>>>>>>>>>>>>>>> lined
>>>>>>>>>>>>>>>> up
>>>>>>>>>>>>>>>> my
>>>>>>>>>>>>>>>> request at the high priority. In such a scenario I
>>>>>>>>>>>>>>>> technically
>>>>>>>>>>>>>>>> have
>>>>>>>>>>>>>>>> no
>>>>>>>>>>>>>>>> proof of having reached out to ICICI to be attached at
>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>> time
>>>>>>>>>>>>>>>> of
>>>>>>>>>>>>>>>> complaining to banking ombudsman.
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>> Thank you,
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>> Bharat.
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>> On 3/10/22, Harshit Lohia <[email protected]> wrote:
>>>>>>>>>>>>>>>>> Hi,
>>>>>>>>>>>>>>>>> Write a complaint to ICICI bank on their website using
>>>>>>>>>>>>>>>>> their
>>>>>>>>>>>>>>>>> online
>>>>>>>>>>>>>>>>> grievance redressal form. Mention that if  they do not
>>>>>>>>>>>>>>>>> comply
>>>>>>>>>>>>>>>>> within
>>>>>>>>>>>>>>>>> 30 days, you will be forced to file a complaint with RBI
>>>>>>>>>>>>>>>>> Ombudsman
>>>>>>>>>>>>>>>>> as
>>>>>>>>>>>>>>>>> per the provisions of RBI circular on 'Banking services
>>>>>>>>>>>>>>>>> to
>>>>>>>>>>>>>>>>> senior
>>>>>>>>>>>>>>>>> citizens and the disabled' dated November 9, 2017. They
>>>>>>>>>>>>>>>>> will
>>>>>>>>>>>>>>>>> surely
>>>>>>>>>>>>>>>>> respond.
>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>> On 3/9/22, Mahesh S. Panicker
>>>>>>>>>>>>>>>>> <[email protected]>
>>>>>>>>>>>>>>>>> wrote:
>>>>>>>>>>>>>>>>>> Standard Chartered did V KYC for me without drama. With
>>>>>>>>>>>>>>>>>> ICICI,
>>>>>>>>>>>>>>>>>> it
>>>>>>>>>>>>>>>>>> was
>>>>>>>>>>>>>>>>>> originally very difficult, pre-Covid times it was and
>>>>>>>>>>>>>>>>>> they
>>>>>>>>>>>>>>>>>> originally
>>>>>>>>>>>>>>>>>> refused to process my documents after home KYC. As I
>>>>>>>>>>>>>>>>>> kept
>>>>>>>>>>>>>>>>>> writing,
>>>>>>>>>>>>>>>>>> and
>>>>>>>>>>>>>>>>>> using up all avenues of protest and complaind, they
>>>>>>>>>>>>>>>>>> eventually
>>>>>>>>>>>>>>>>>> processed my application. It was the ICICI Platinum
>>>>>>>>>>>>>>>>>> card.
>>>>>>>>>>>>>>>>>> On
>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>> basis
>>>>>>>>>>>>>>>>>> of that card, I got the AmazonPay card issued without
>>>>>>>>>>>>>>>>>> any
>>>>>>>>>>>>>>>>>> issues,
>>>>>>>>>>>>>>>>>> and
>>>>>>>>>>>>>>>>>> the onboarding process in that case took just a couple
>>>>>>>>>>>>>>>>>> of
>>>>>>>>>>>>>>>>>> minutes.
>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>> On 3/9/22, Sandesh <[email protected]> wrote:
>>>>>>>>>>>>>>>>>>> You could certainly schedule for V KYC and it has to
>>>>>>>>>>>>>>>>>>> be
>>>>>>>>>>>>>>>>>>> done
>>>>>>>>>>>>>>>>>>> without
>>>>>>>>>>>>>>>>>>> any
>>>>>>>>>>>>>>>>>>> issue.
>>>>>>>>>>>>>>>>>>> You could also write to Amazon and ICICI bank telling
>>>>>>>>>>>>>>>>>>> them
>>>>>>>>>>>>>>>>>>> these
>>>>>>>>>>>>>>>>>>> things.
>>>>>>>>>>>>>>>>>>> and if you are comfortable for home KYC, ask them why
>>>>>>>>>>>>>>>>>>> even
>>>>>>>>>>>>>>>>>>> after
>>>>>>>>>>>>>>>>>>> making
>>>>>>>>>>>>>>>>>>> it
>>>>>>>>>>>>>>>>>>> scheduled is not done so far? Amazon would certainly
>>>>>>>>>>>>>>>>>>> be of
>>>>>>>>>>>>>>>>>>> assistance
>>>>>>>>>>>>>>>>>>> here.
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>> I did get this credit card about 2 and half years back
>>>>>>>>>>>>>>>>>>> without
>>>>>>>>>>>>>>>>>>> any
>>>>>>>>>>>>>>>>>>> problem.
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>> the person came to my residence and everything went
>>>>>>>>>>>>>>>>>>> smoothly.
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>> Vande Mataram
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>> ----- Original Message -----
>>>>>>>>>>>>>>>>>>> From: "Bharat" <[email protected]>
>>>>>>>>>>>>>>>>>>> To: "AccessIndia: a list for discussing accessibility
>>>>>>>>>>>>>>>>>>> and
>>>>>>>>>>>>>>>>>>> issues
>>>>>>>>>>>>>>>>>>> concerning
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>> the disabled." <[email protected]>
>>>>>>>>>>>>>>>>>>> Sent: Wednesday, March 9, 2022 9:36 PM
>>>>>>>>>>>>>>>>>>> Subject: [AI] KYC for banking facilities for the blind
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> Hi all,
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> I recently filled up the online application for the
>>>>>>>>>>>>>>>>>>>> Amazon
>>>>>>>>>>>>>>>>>>>> ICICI
>>>>>>>>>>>>>>>>>>>> credit card & was presented with the video KYC
>>>>>>>>>>>>>>>>>>>> option.
>>>>>>>>>>>>>>>>>>>> Once
>>>>>>>>>>>>>>>>>>>> I
>>>>>>>>>>>>>>>>>>>> opted
>>>>>>>>>>>>>>>>>>>> for that, the representative refused to conduct my
>>>>>>>>>>>>>>>>>>>> KYC
>>>>>>>>>>>>>>>>>>>> once
>>>>>>>>>>>>>>>>>>>> she
>>>>>>>>>>>>>>>>>>>> realised me being blind. She instead suggested me to
>>>>>>>>>>>>>>>>>>>> opt
>>>>>>>>>>>>>>>>>>>> for
>>>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>>>> home
>>>>>>>>>>>>>>>>>>>> document collection option.
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> I have scheduled the home collection thrice but no
>>>>>>>>>>>>>>>>>>>> one
>>>>>>>>>>>>>>>>>>>> has
>>>>>>>>>>>>>>>>>>>> come
>>>>>>>>>>>>>>>>>>>> up
>>>>>>>>>>>>>>>>>>>> for
>>>>>>>>>>>>>>>>>>>> it till now.
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> I would like to know, if the video KYC is not for the
>>>>>>>>>>>>>>>>>>>> blind.
>>>>>>>>>>>>>>>>>>>> &
>>>>>>>>>>>>>>>>>>>> if
>>>>>>>>>>>>>>>>>>>> yes,
>>>>>>>>>>>>>>>>>>>> then what are the rules for it.
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> Thank you,
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> Bharat.
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> --
>>>>>>>>>>>>>>>>>>>> Disclaimer:
>>>>>>>>>>>>>>>>>>>> 1. Contents of the mails, factual, or otherwise,
>>>>>>>>>>>>>>>>>>>> reflect
>>>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>>>> thinking
>>>>>>>>>>>>>>>>>>>> of
>>>>>>>>>>>>>>>>>>>> the person sending the mail and AI in no way relates
>>>>>>>>>>>>>>>>>>>> itself
>>>>>>>>>>>>>>>>>>>> to
>>>>>>>>>>>>>>>>>>>> its
>>>>>>>>>>>>>>>>>>>> veracity;
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> 2. AI cannot be held liable for any
>>>>>>>>>>>>>>>>>>>> commission/omission
>>>>>>>>>>>>>>>>>>>> based
>>>>>>>>>>>>>>>>>>>> on
>>>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>>>> mails
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> sent through this mailing list..
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>> Search for old postings at:
>>>>>>>>>>>>>>>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>>>>>>>>>>>>>>>> ---
>>>>>>>>>>>>>>>>>>>> You received this message because you are subscribed
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>>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>> --
>>>>>>>>>>>>>>>>>>> Disclaimer:
>>>>>>>>>>>>>>>>>>> 1. Contents of the mails, factual, or otherwise,
>>>>>>>>>>>>>>>>>>> reflect
>>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>>> thinking
>>>>>>>>>>>>>>>>>>> of
>>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>>> person sending the mail and AI in no way relates
>>>>>>>>>>>>>>>>>>> itself to
>>>>>>>>>>>>>>>>>>> its
>>>>>>>>>>>>>>>>>>> veracity;
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>> 2. AI cannot be held liable for any
>>>>>>>>>>>>>>>>>>> commission/omission
>>>>>>>>>>>>>>>>>>> based
>>>>>>>>>>>>>>>>>>> on
>>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>>> mails
>>>>>>>>>>>>>>>>>>> sent through this mailing list..
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>> Search for old postings at:
>>>>>>>>>>>>>>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>>>>>>>>>>>>>>> ---
>>>>>>>>>>>>>>>>>>> You received this message because you are subscribed
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>>>>>>>>>>>>>>>>>>> Google
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>>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>> --
>>>>>>>>>>>>>>>>>> Dr. Mahesh S. Panicker
>>>>>>>>>>>>>>>>>> Associate Professor,
>>>>>>>>>>>>>>>>>> Department of Political Science,
>>>>>>>>>>>>>>>>>> Lady Shri Ram College for Women,
>>>>>>>>>>>>>>>>>> Lajpat Nagar
>>>>>>>>>>>>>>>>>> New Delhi 110024
>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>> --
>>>>>>>>>>>>>>>>>> Disclaimer:
>>>>>>>>>>>>>>>>>> 1. Contents of the mails, factual, or otherwise,
>>>>>>>>>>>>>>>>>> reflect
>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>> thinking
>>>>>>>>>>>>>>>>>> of
>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>> person sending the mail and AI in no way relates itself
>>>>>>>>>>>>>>>>>> to
>>>>>>>>>>>>>>>>>> its
>>>>>>>>>>>>>>>>>> veracity;
>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>> 2. AI cannot be held liable for any commission/omission
>>>>>>>>>>>>>>>>>> based
>>>>>>>>>>>>>>>>>> on
>>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>>> mails
>>>>>>>>>>>>>>>>>> sent through this mailing list..
>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>> Search for old postings at:
>>>>>>>>>>>>>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>>>>>>>>>>>>>> ---
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>>>>>>>>>>>>>>>>>> Google
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>>>>>>>>>>>>>>>>>> from
>>>>>>>>>>>>>>>>>> it,
>>>>>>>>>>>>>>>>>> send
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>>>>>>>>>>>>>>>>>> To view this discussion on the web visit
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>>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>> --
>>>>>>>>>>>>>>>>> Thanks & Regards
>>>>>>>>>>>>>>>>> Harshit Lohia
>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>> --
>>>>>>>>>>>>>>>>> Disclaimer:
>>>>>>>>>>>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect
>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>> thinking
>>>>>>>>>>>>>>>>> of
>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>> person sending the mail and AI in no way relates itself
>>>>>>>>>>>>>>>>> to
>>>>>>>>>>>>>>>>> its
>>>>>>>>>>>>>>>>> veracity;
>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>> 2. AI cannot be held liable for any commission/omission
>>>>>>>>>>>>>>>>> based
>>>>>>>>>>>>>>>>> on
>>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>>> mails
>>>>>>>>>>>>>>>>> sent through this mailing list..
>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>> Search for old postings at:
>>>>>>>>>>>>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>>>>>>>>>>>>> ---
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>>>>>>>>>>>>>>>>> Google
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>>>>>>>>>>>>>>>>> it,
>>>>>>>>>>>>>>>>> send
>>>>>>>>>>>>>>>>> an
>>>>>>>>>>>>>>>>> email to [email protected].
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>>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>> --
>>>>>>>>>>>>>>>> Disclaimer:
>>>>>>>>>>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect
>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>> thinking
>>>>>>>>>>>>>>>> of
>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>> person sending the mail and AI in no way relates itself
>>>>>>>>>>>>>>>> to
>>>>>>>>>>>>>>>> its
>>>>>>>>>>>>>>>> veracity;
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>> 2. AI cannot be held liable for any commission/omission
>>>>>>>>>>>>>>>> based
>>>>>>>>>>>>>>>> on
>>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>>> mails
>>>>>>>>>>>>>>>> sent through this mailing list..
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>> Search for old postings at:
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>>>>>>>>>>>>>>>> from
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>>>>>>>>>>>>>>>> send
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>>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>> --
>>>>>>>>>>>>>>> Thanks & Regards
>>>>>>>>>>>>>>> Harshit Lohia
>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>> --
>>>>>>>>>>>>>>> Disclaimer:
>>>>>>>>>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect
>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>> thinking
>>>>>>>>>>>>>>> of
>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>> person sending the mail and AI in no way relates itself to
>>>>>>>>>>>>>>> its
>>>>>>>>>>>>>>> veracity;
>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>> 2. AI cannot be held liable for any commission/omission
>>>>>>>>>>>>>>> based
>>>>>>>>>>>>>>> on
>>>>>>>>>>>>>>> the
>>>>>>>>>>>>>>> mails
>>>>>>>>>>>>>>> sent through this mailing list..
>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>> Search for old postings at:
>>>>>>>>>>>>>>> http://www.mail-archive.com/[email protected]/
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>>>>>>>>>>>>>>> from
>>>>>>>>>>>>>>> it,
>>>>>>>>>>>>>>> send
>>>>>>>>>>>>>>> an
>>>>>>>>>>>>>>> email to [email protected].
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>>>>>>>>>>>>>>>
>>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>> --
>>>>>>>>>>>>> Disclaimer:
>>>>>>>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect the
>>>>>>>>>>>>> thinking
>>>>>>>>>>>>> of
>>>>>>>>>>>>> the
>>>>>>>>>>>>> person sending the mail and AI in no way relates itself to
>>>>>>>>>>>>> its
>>>>>>>>>>>>> veracity;
>>>>>>>>>>>>>
>>>>>>>>>>>>> 2. AI cannot be held liable for any commission/omission
>>>>>>>>>>>>> based on
>>>>>>>>>>>>> the
>>>>>>>>>>>>> mails
>>>>>>>>>>>>> sent through this mailing list..
>>>>>>>>>>>>>
>>>>>>>>>>>>>
>>>>>>>>>>>>> Search for old postings at:
>>>>>>>>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>>>>>>>>> ---
>>>>>>>>>>>>> You received this message because you are subscribed to the
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>>>>>>>>>>>>>
>>>>>>>>>>>>
>>>>>>>>>>>>
>>>>>>>>>>>> --
>>>>>>>>>>>> Thanks & Regards
>>>>>>>>>>>> Harshit Lohia
>>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>> --
>>>>>>>>>>> Thanks & Regards
>>>>>>>>>>> Harshit Lohia
>>>>>>>>>>>
>>>>>>>>>>> --
>>>>>>>>>>> Disclaimer:
>>>>>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect the
>>>>>>>>>>> thinking
>>>>>>>>>>> of
>>>>>>>>>>> the person sending the mail and AI in no way relates itself to
>>>>>>>>>>> its
>>>>>>>>>>> veracity;
>>>>>>>>>>>
>>>>>>>>>>> 2. AI cannot be held liable for any commission/omission based
>>>>>>>>>>> on
>>>>>>>>>>> the
>>>>>>>>>>> mails
>>>>>>>>>>> sent through this mailing list..
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>> Search for old postings at:
>>>>>>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>>>>>>> ---
>>>>>>>>>>> You received this message because you are subscribed to the
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>>>>>>>>>>> To unsubscribe from this group and stop receiving emails from
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>>>>>>>>>>> send
>>>>>>>>>>> an
>>>>>>>>>>> email to [email protected].
>>>>>>>>>>> To view this discussion on the web visit
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>>>>>>>>>>
>>>>>>>>>> --
>>>>>>>>>> Disclaimer:
>>>>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect the
>>>>>>>>>> thinking
>>>>>>>>>> of
>>>>>>>>>> the
>>>>>>>>>> person sending the mail and AI in no way relates itself to its
>>>>>>>>>> veracity;
>>>>>>>>>>
>>>>>>>>>> 2. AI cannot be held liable for any commission/omission based
>>>>>>>>>> on
>>>>>>>>>> the
>>>>>>>>>> mails
>>>>>>>>>> sent through this mailing list..
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>> Search for old postings at:
>>>>>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>>>>>> ---
>>>>>>>>>> You received this message because you are subscribed to the
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>>>>>>>>>> To unsubscribe from this group and stop receiving emails from
>>>>>>>>>> it,
>>>>>>>>>> send
>>>>>>>>>> an
>>>>>>>>>> email to [email protected].
>>>>>>>>>> To view this discussion on the web visit
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>>>>>>>>>>
>>>>>>>>>
>>>>>>>>> --
>>>>>>>>> Disclaimer:
>>>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect the
>>>>>>>>> thinking
>>>>>>>>> of
>>>>>>>>> the
>>>>>>>>> person sending the mail and AI in no way relates itself to its
>>>>>>>>> veracity;
>>>>>>>>>
>>>>>>>>> 2. AI cannot be held liable for any commission/omission based on
>>>>>>>>> the
>>>>>>>>> mails
>>>>>>>>> sent through this mailing list..
>>>>>>>>>
>>>>>>>>>
>>>>>>>>> Search for old postings at:
>>>>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>>>>> ---
>>>>>>>>> You received this message because you are subscribed to the
>>>>>>>>> Google
>>>>>>>>> Groups
>>>>>>>>> "AccessIndia" group.
>>>>>>>>> To unsubscribe from this group and stop receiving emails from
>>>>>>>>> it,
>>>>>>>>> send
>>>>>>>>> an
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>>>>>>>>> To view this discussion on the web visit
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>>>>>>>>>
>>>>>>>>
>>>>>>>>
>>>>>>>> --
>>>>>>>> Dr. Mahesh S. Panicker
>>>>>>>> Associate Professor,
>>>>>>>> Department of Political Science,
>>>>>>>> Lady Shri Ram College for Women,
>>>>>>>> Lajpat Nagar
>>>>>>>> New Delhi 110024
>>>>>>>>
>>>>>>>> --
>>>>>>>> Disclaimer:
>>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect the
>>>>>>>> thinking
>>>>>>>> of
>>>>>>>> the
>>>>>>>> person sending the mail and AI in no way relates itself to its
>>>>>>>> veracity;
>>>>>>>>
>>>>>>>> 2. AI cannot be held liable for any commission/omission based on
>>>>>>>> the
>>>>>>>> mails
>>>>>>>> sent through this mailing list..
>>>>>>>>
>>>>>>>>
>>>>>>>> Search for old postings at:
>>>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>>>> ---
>>>>>>>> You received this message because you are subscribed to the
>>>>>>>> Google
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>>>>>>>> "AccessIndia" group.
>>>>>>>> To unsubscribe from this group and stop receiving emails from it,
>>>>>>>> send
>>>>>>>> an
>>>>>>>> email to [email protected].
>>>>>>>> To view this discussion on the web visit
>>>>>>>> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CAFAyNEOgzedRuzDSqxNfFyfN_S-TLt4OabRoyXW1%3DN98%2Bx_%3DsQ%40mail.gmail.com.
>>>>>>>>
>>>>>>>
>>>>>>> --
>>>>>>> Disclaimer:
>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect the
>>>>>>> thinking
>>>>>>> of
>>>>>>> the person sending the mail and AI in no way relates itself to its
>>>>>>> veracity;
>>>>>>>
>>>>>>> 2. AI cannot be held liable for any commission/omission based on
>>>>>>> the
>>>>>>> mails
>>>>>>> sent through this mailing list..
>>>>>>>
>>>>>>>
>>>>>>> Search for old postings at:
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>>>>>>> ---
>>>>>>> You received this message because you are subscribed to the Google
>>>>>>> Groups
>>>>>>> "AccessIndia" group.
>>>>>>> To unsubscribe from this group and stop receiving emails from it,
>>>>>>> send
>>>>>>> an
>>>>>>> email to [email protected].
>>>>>>> To view this discussion on the web visit
>>>>>>> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CALkJ5UDoM8TRQ4TJ%3Dx9jsWMKmNwOo2Y_YPz4TJgjkUQc%2BSgAHw%40mail.gmail.com.
>>>>>>
>>>>>> --
>>>>>> Disclaimer:
>>>>>> 1. Contents of the mails, factual, or otherwise, reflect the
>>>>>> thinking
>>>>>> of
>>>>>> the
>>>>>> person sending the mail and AI in no way relates itself to its
>>>>>> veracity;
>>>>>>
>>>>>> 2. AI cannot be held liable for any commission/omission based on
>>>>>> the
>>>>>> mails
>>>>>> sent through this mailing list..
>>>>>>
>>>>>>
>>>>>> Search for old postings at:
>>>>>> http://www.mail-archive.com/[email protected]/
>>>>>> ---
>>>>>> You received this message because you are subscribed to the Google
>>>>>> Groups
>>>>>> "AccessIndia" group.
>>>>>> To unsubscribe from this group and stop receiving emails from it,
>>>>>> send
>>>>>> an
>>>>>> email to [email protected].
>>>>>> To view this discussion on the web visit
>>>>>> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/9DB5EA9C-7028-41D8-8523-3A4EDB14F673%40amarjain.com.
>>>>>>
>>>>>
>>>>
>>>> --
>>>> Disclaimer:
>>>> 1. Contents of the mails, factual, or otherwise, reflect the thinking
>>>> of
>>>> the person sending the mail and AI in no way relates itself to its
>>>> veracity;
>>>>
>>>> 2. AI cannot be held liable for any commission/omission based on the
>>>> mails
>>>> sent through this mailing list..
>>>>
>>>>
>>>> Search for old postings at:
>>>> http://www.mail-archive.com/[email protected]/
>>>> ---
>>>> You received this message because you are subscribed to the Google
>>>> Groups
>>>> "AccessIndia" group.
>>>> To unsubscribe from this group and stop receiving emails from it,
>>>> send an
>>>> email to [email protected].
>>>> To view this discussion on the web visit
>>>> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/CALkJ5UAT_g_QzuZMw_5WQ2UEx2NCmnejxYJLaSJfShpBsKgqEg%40mail.gmail.com.
>>>
>>> --
>>> Disclaimer:
>>> 1. Contents of the mails, factual, or otherwise, reflect the thinking
>>> of the
>>> person sending the mail and AI in no way relates itself to its
>>> veracity;
>>>
>>> 2. AI cannot be held liable for any commission/omission based on the
>>> mails
>>> sent through this mailing list..
>>>
>>>
>>> Search for old postings at:
>>> http://www.mail-archive.com/[email protected]/
>>> ---
>>> You received this message because you are subscribed to the Google
>>> Groups
>>> "AccessIndia" group.
>>> To unsubscribe from this group and stop receiving emails from it, send
>>> an
>>> email to [email protected].
>>> To view this discussion on the web visit
>>> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/E3D3D2E1-565A-4077-B332-72775D705E8B%40amarjain.com.
>>>
>>
>>
>> --
>> Dr. Mahesh S. Panicker
>> Associate Professor,
>> Department of Political Science,
>> Lady Shri Ram College for Women,
>> Lajpat Nagar
>> New Delhi 110024
>
> --
> Disclaimer:
> 1. Contents of the mails, factual, or otherwise, reflect the thinking of the
> person sending the mail and AI in no way relates itself to its veracity;
>
> 2. AI cannot be held liable for any commission/omission based on the mails
> sent through this mailing list..
>
>
> Search for old postings at:
> http://www.mail-archive.com/[email protected]/
> ---
> You received this message because you are subscribed to the Google Groups
> "AccessIndia" group.
> To unsubscribe from this group and stop receiving emails from it, send an
> email to [email protected].
> To view this discussion on the web visit
> https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/d5fe9dfab3602987b54270a03b0537e5%40amarjain.com.
>

-- 
Disclaimer:
1. Contents of the mails, factual, or otherwise, reflect the thinking of the 
person sending the mail and AI in no way relates itself to its veracity;

2. AI cannot be held liable for any commission/omission based on the mails sent 
through this mailing list..


Search for old postings at:
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