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Different legal ages for girls and boys to tie the Knot is a discriminatory practice . Legal voting age in India is 18 for both boys and girls but the legal marriageable age is 18 for girls and 21 for boys which indicates that more maturity and experience is required to handle a girl than to handle a country. When both boys and girls enter the schooling atmosphere at the same age and grow there till the age of 17 then how or why is it that girls are considered more mature and ready for marriage at 18 while the boys aren't? This law seems to be made by people who were mentally immature to understand the meaning of equality . Moreover, the reason behind the 3 years age difference is not known to anyone and definitely lacks scientific logic . The reasons cited by the majority of parents behind 18 years being set as the marriageable age for girls was poverty , fears about girls’ safety and a perceived lack of other options . This discriminatory practice of marrying girls at 18 years of age against boys who are marriageable at 21 has a far-reaching impact on the society and Nation as a whole . When girls are married off at 18 , it's the only life that they know.Just out of school and with very few employment prospects , they are dependent on their husbands (who themselves may not be professionally and financially independent at the age of 21 ). As a result, the girls are more vulnerable to abusive relationships as they have few options to leave and provide for themselves. Marriage is no joke and contrary to the popular belief , girls do not have enough maturity to get into a lifelong commitment at 18 years of age . They are often forced into these marriages by their parents .Their immaturity , lack of ability to take decisions and early pregnancy lead to frustrations, separation and divorce. Today, there are more opportunities , more choices, more knowledge and expectations from life which an 18 year old girl may not be able to avail as she is married off by her parents by that time. When the voting age can be reduced from 21 to 18 as done in 1988 , it’s time we amend the marriageable age in our country . Not only should it be increased to 25 but also kept same for both boys and girls as the regions of human brain which are crucial for decision making, anticipating consequences , rewards and risks do not reach maturity until 20s. Also, the boys become professionally and financially independent around the age of 25 years and hence can take on marital responsibility . As a progressive Nation, a new set of goals for national development are required with a desperate need to empower girls to prevent them from getting married at an early age as 18. They also need more time like boys to stand on their own feet . Once girls complete their education up to a minimum level of graduation or diploma , they have access to jobs that can earn them a living and help them in supporting their families . There is a need to remove this discrimination in terms of different legal marriageable age of boys and girls and provide them equal time and space to enter Matrimony . It’s time to embrace roles for girls beyond wedlock which will make them more responsible and financially independent.
SPEEDY DISPOSAL OF CHEQUE DISHONOUR CASES The Supreme Court's directives on speedy disposal of cheque dishonour cases will be implemented with the assistance of technology, with such cases going online. Disposal of cheque dishonour cases will become faster as e-summons will be issued by the Trial Court to the accused, who will be allowed to deposit money in the complainant's Bank Account .Thereafter, the accused will inform the court through email. Once this process is completed, the accused will be given a discharge rightaway by closing the case against him. KMLAWASSOCIATES is a Dwarka based law firm with an expertise in matters pertaining to dishonour of cheques, Banking and financial institutions law, law relating to guarantees and financial services.
Fraught by frauds The recent high profile fraud cases in our banking sector have deeply jolted all the stakeholders and have once again highlighted the vulnerability of our banks, specially while dealing with corporate loans and celebrity industrialists who manipulate the banking system by conveniently bypassing protective mechanisms. Successful economies minimise corruption, embezzlement and frauds which are characteristics existing everywhere but unfortunately for us, the instances of banking frauds which are a silent killer of our economy only seem to be on the rise as a result of corruption, inefficient regulations, lack of oversight, business pressures to meet unreasonable targets, lack of tools to identify potential red flags and collusion between employees and external parties. Whether it’s issuance of fake LoUs by two junior employees (as in case of PNB) or conflict of interest on the part of CEO ICICI Bank, it’s amply clear that our banking industry is confronted with deep internal threat wherein anyone from a CEO to lower level employees can manipulate and defraud their bank while both internal and external auditors look the other way. Such high profile frauds , scams and wilful defaults have a detrimental impact on the economy and ease of doing business, employees morale and investors' confidence. Indian banking has always been a soft target for fraudsters and in recent years the frequeny, volumes and gravity of frauds and wilful defaults have only seen a rise. We as a developing nation cannot afford such setbacks and need to get our act together. Fraud risk management needs to be given utmost importance and diligence in order to prevent and detect fraudulent activities thereby limiting the losses incurred. The banks need to be more agile and think ahead of the fraudsters. A comprehensive and effective anti frauds programme comprising preventive, detective and responsive mechanism can enable banks to identify weaknesses inherent to their processes and identify new threats. Over the years, frauds and scams in this sector have become more sophisticated and hence, their redressal is a major concern. Banks need to make themselves secure, become vigilant and build resilience in order to beat fraudsters in this cat and mouse chase. It is important for banks and financial institutions to understand that fraud investigations require specific skills like forensic accounting and technology to collect adequate evidence which needs to be relevant and comprehensive to be admissible in a Court of Law. Other important aspects like source of evidence, legitimate witness, electronic evidence can add credibility to the case. If these are not in line with legal requirements, the organisations will not have confidence to take legal recourse against the fraudster which can also be the reason why many banks may not be reporting all their cases to law enforcement agencies.
Legislation against Self proclaimed Godmen(& women) India has a flourishing market for self styled Godmen(& women) who make millions by fooling and deceiving illiterate and ill-informed people in the name of spirituality.A close nexus between power, politics and money creates a perfect business model which enjoys political patronage. These self proclaimed Godmen are nothing but ambitious con artists and perverts hiding behind masks and deceptive garbs. They are minting money, abusing innocents, ruining multiple lives by deception, falsehood and religiosity in the name of God. They are emotionally, physically and financially exploiting people by manipulating their frailties. However, now in the wake of violent incidents and illegal activities in the name of spirituality all over the country, there's a need to curb these Godmen and save people from becoming their victims. Though one feels that education and literacy is a solution to many a problems, it is not enough when it comes to these Godmen as a large number of their followers come from well educated people, politicians, filmstars, business tycoons, who endorse them for their own vested interests. India's obsession with these Godmen can only be cured with a qualitative change in the social consciousness, which may take a long time and keeping this in view, there is a need for legislation against such Godmen who con people in the name of God by taking advantage of their fears and insecurities. They gain power over minds of gullible people who seek instant and magical solutions to their various problems, not realising that the power to save themselves lies within each one of them. Without any further delay, Govt.should enact a law and protect its people from becoming victims of these impostors who call themselves'spiritually evolved'.
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