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I will not use statistics, images, nationalism to prove what Modiji has done or not done. As a common citizen, I will judge any government by the change that its policies have brought in my personal life. So, I will mention only personal experiences.Many people don’t trust the government on Aadhar issue. People say Government is invading privacy of citizens through Aadhar. I trust Modiji on this issue and this criticism is unjust in my opinion. Let me explain this though a personal anecdote.The security of the residential complex where I live is outsourced to a private security agency. Occasionally, the security agency changes the security guards. So, one day a new security guard was standing on the gate. This new guard was different. He talked to me in English with good confidence. Over a period of time, this man made a good impression the whole housing society. He told me that he has crores of ancestral property in his home town. He is a mystic doing such a low paid job only for EXPERIENCE. He is a bramachari and has lot of disciples. His disciples are in UK and US. He even showed me a few photographs of him dressed as a yogi and giving discourse to a gathering. He told me all these in a very confident and convincing manner.On many occasions he even tried to predict my future. This was the modus operandi of a typical baba. It was getting too much. I knew that he was lying. One day he told me that he was a student leader in his college days. He contested assembly elections in such and such year from XYZ constituency. He lost to the winning candidate by a very thin margin. So, at last he erred. The idiot did not realise that these details are in public domain and can be checked. So I checked online. He never contested any election.One day he was filling an account opening form and asked for my help. He gave me his Election Identity card which was required as identity proof. I noted his Election card number. I searched this number on Electoral Search website. I got his polling station number and other details. Using these details, I downloaded his electoral roll in pdf format from Election Commision website. It contained the details of not only his family members but also neighbors. So, now I knew his Grandfather’s name, his grandmother’s name, his father’s name, his mother’s name, his brother’s name and most importantly his wife’s name. The brahmachari was married. He once told me that he is fond of his brother’s daughter. But his brother’s age was only 19 years as per electoral roll. This means this guy was not only married but had a daughter. I confronted him with these details. He was speechless and left the next day.I was able to do all this before Aadhar regime. So, there was no privacy even before Aadhar. Anybody from anywhere in the world can download electrol rolls without providing credentials. Everything is available in public domain. Isn’t it creepy to know that some stranger knows the details of your family members? I never heard anybody complaining violation of privacy due to online electoral rolls. So, the privacy issue is politically motivated.Now, why Aadhar is beneficial? My friend works as credit analyst in a public sector banks. He sanctions loans to SME sector. Once he received a loan proposal for buying a JCB machine. The bankers have to go through various checks before sanctioning a loan. One of the most important check is CIBIL enquiry. All the loans availed by the customer though any bank appears in CIBIL search. So, if the customer is defaulter, the CIBIL documents show it. Everything was OK in this case, so the loan was sanctioned. On the day of disbursement, my friend got information that the loan applicant is a fraud and has availed loan from many banks. Even his photo as a defaulter was published by a bank in a newspaper. Since the loan was not yet disbursed, my friend’s job was saved.Why did the customer history not appear in CIBIL enquiry? The primary key under which a CIBIL data is stored is PAN card. A person cannot have two PAN cards (it is an offence) but getting multiple PAN cards is very easy. One can apply for a PAN online. Photocopies of documents are to be sent by post. Nobody asks for original documents. So a fraudster can have multiple cards very easily. This guy was also having multiple PAN cards and had applied for loan using a new PAN card. There was no CIBIL history for that PAN card. Corrupt people deposit money in various banks with different PAN cards. It becomes difficult for agencies to make sure that the money belongs to the same person.Now, that the PAN has been linked with Aadhar, this cannot happen. A person cannot have two Aadhar cards and hence PAN card.So, as far as Aadhar is concerned, I trust the Prime Minister.

PSBLoan website is a website where you can avail of personal loans ranging from Rs.1 lakh to Rs.5 crore in 59 minutes from private and public banks and NBFCs.This loan scheme is special as the turnaround time comes down to 59 minutes from the normal 7-8 days that a company may take to process. Once your application for the loan has been approved, the bank will disburse the loan amount to your bank account within 7-8 days.You can also watch the video for more details related to 59 minutes MSME loanFeatures of applying for a personal loan from PSB Loan in 59 minutesUnique: The platform from which you can avail the personal loan is in sync with the banking processes laid down by the lenders in India.Convenience: You have the option of applying for loans from multiple lenders at one go.Secured: The whole gateway of you providing important information in order to avail the loan to the lender disbursing the loan amount is highly secured.Banker interface: The user banks have the option of creating their own customized loan products as per their credit policies.Technological integration: There are various technological integrations that provide certain ease to credit decision making.CGTMSE Coverage: With the integration of CGTMSE, there is a possibility of MSME borrowers being able to avail of a collateral-free loan.How can you avail a loan in 59 minutesOnce you apply for a personal loan, you are provided with a GST number.You are provided with the details of your income tax returns in XML format.Bank statement for the last 6 months in a pdf format.Basic, personal, educational, and ownership details of the director or the owner is provided.Your loan gets approved in 59 minutes.How to apply for a loan?Visit the official website of the PSB loan in 59 minutes.Click on ‘Register’ if you are a new user.Provide your name, email ID, and mobile number. You will receive a one-time password on your registered mobile number. Enter the OTP and click on ‘I agree to the privacy, policy terms, and other terms and conditions’.Click on ‘Proceed’.Click on ‘Login’ and follow the instructions. You may have to provide the necessary documents in order to avail of the loan of your choice. Once, that is done, your loan will get approved within 59 minutes and you will receive the loan amount within 7-8 days.

MudraCircle is the most comprehensive lending aggregation marketplace in India. Facilitates Business Loans, Personal Loans, Home Loan etc. Small scale Business Loan with Lower Interest Rate, Affordable Re Payment terms. We don’t have any Geo-limits and due to our technological edge we seamlessly serve customers across India.Application process:Create your user name & password by giving us few basic details. Would suggest creating login with Gmail or any other Social media accounts (such as Facebook, etc.).Verify PAN and Aadhar no online.Post this stage you can always come back later at your convenience to complete other required documentation,Upload your One-year bank statements in PDF format or login to your Internet banking securely and we will pull your statements,Upload your ITRs, Balance sheet and P&L- if required.Give us a brief of your business. Giving us your social media account details will help.Your digital verification gets done.Choose between how you want to borrow- unsecured loan or secured loan. Rest of the details to follow as per the product chosen,Within 24-48 hours you will see the status of your loan.You call communicate with the lender on the offer right from your dashboard through eMail, Skype or Google,Once your loan terms & conditions are agreed upon by both of you a PDF loan agreement is generated Online to be signed digitally signed.eMendate is also ready to be digitally (conditions apply).Now your loan is ready to be disbursed.For More Details Visit Us: https://www.mudracircle.com/