Ignoring all the above suggestions given in my articles and various suggestions given by our readers through other articles and comments, is something all criminal negligence on the part of UFBU.  Now Aam Banker has landed in a situation where IBA is offering merely 11% and UFBU leaders do not have enough courage to take on the stable BJP Government as wrong tough stand can finish their careers.   Communist parties and other opposition parties, to which almost all the UFBU member unions are affiliated have no say in government policies.   Even Congress is fighting for its survival and have fought tooth and nail to get the post of Leader of Opposition.   They have failed as Mr.  Modi is too strong for them too. 

In the given circumstances, there is a stalemate.   Thus, in this scenario when I listened to the speech of Mr Modi at Mumbai (already uploaded by us  as
 "Now Modi Himself Praises Bankers and Acknowledge Their Untiring Efforts In Meeting His Dream of Jan Dhan Yojana – UFBU leaders Must Go and Meet PM and Gear Up to Highlight This and Ask IBA and Ministry of Finance to Give Honourable Settlement"  by Rajesh Goyal  (uploaded on 05/10/2014)  there was a ray of hope.   Later on a press release  came to our knowledge and we wrote another article.  (News Update at PMO website - PM Office Praises Excellent Work by Bankers - Bank Unions On Backfoot.  Will Modi Make Bank Unions (UFBU) Irrelevant in Few Months ?  by Rajesh Goyal  (uploaded on 08/10/2014) ).     I wrote the above referred two articles  as there was a ray of hope.    These articles were read and appreciated by lakhs of bankers across all the banks and across the country (of course, certain people continue to doubt the credentials of new PM) .    Instead of grabbing the God sent opportunity and opening channels with new Government (wth Mr Narendra Modi as PM who wishes to implement his Jan Dhan Yojana through banks), Union leaders started talking about untouchable BJP and Narendra Modi.   There was also a campaign to malign AllBankingSolutions.com and dub us as following the agenda of BJP.   Some of the union leaders (on social media ) even challenged us to approach Prime Minister and arrange a meeting.  

I was wondering that union leaders who claim following of lakhs of bankers and who receive crores of rupees on monthly basis as subscription, are asking a retired banker like me to arrange for meeting with Prime Minister.   Although at present my financial position is not precarious yet I have only limited resources and can not launch all India level agitation from my own retirement funds.   Let me remind our readers that  being retired I feel I do not have the mandate and energy to lead such a massive movement where more and more youngsters are joining.   After lot of tussle in my mind, I decided to write to PMO on this issue and request them to break this deadlock. 

I visited www.pmindia.gov.in/en/  and then registered myself under the heading "Interact with Hon'ble PM"  (http://pmindia.gov.in/en/interact-with-honble-pm/) on 8th October, 2014.  .  This is the website where anybody can register.   I am not sure whether all the UFBU leaders have their accounts under this website (or they consider this website also untouchable as it has our PM Narendra Modi's photo).     Even after registering, it took me a day to decide whether it will be good idea to write to PMO in my individual capacity, when I am not the stakeholder directly.  (I am retired and not holding any post of union / organization, and my salary is not going to be revised under this BPS).  Whether such a move will be appreciated by UFBU or it will be termed as something like my hidden agenda. 

Anyway, finally I decided to write a letter and post the same. at the website of PMO. I decided to be frank and write the truth to PMO and not seek anything for me but for the general bankers and UFBU.  The following is the broad write up sent to PMO :-

On submitting the above write up, the website showed the message that it has been successfully submitted.  However, we have yet to receive any email confirmation about its finally reaching PMO.

After submitting the above write up through online website, I was again in dilemma whether to share this email with our readers immediately or wait for few days and then share the reply or non receipt of the reply.   After three days of mental tussle, I decided to share the same with our readers on 13th October 2014.

Anyway now the above write up has been submitted by me on behalf of Aam Banker, but certain questions remain to be answered for which I would like to get suggestions from our readers :-

(a) Why UFBU is hesitant to take up the matter directly with PMO when this facility is available online?   Why some union leaders  are questioning my credentials and they want that I should write to PM and arrange a meeting.  Are they afraid of approaching PM? If yes, why?   How we can prompt these leaders so that they open the channels with new PM;

(b) In case the above referred letter / write  has been received and read by PMO officials,  there are following  possibilities :

                  (i) It may be considered as a complaint / suggestion from an entity which has no legal backing and thus may be considered as not worth replying and sent to dustbin ;

                  (ii) It may considered as a complaint on behalf of lakhs of bankers and PMO  might have already been initiated some action at some level and some suo motto announcements may be made, but no reply sent to us;

                  (iii) There may be reply to our  query in the routine matter and without any benefits to bankers.  We will have the satisfaction that we did our duty for the Aam Banker but our system does not allow us to go further.

In case a reply is received, it will be wonderful and we will be able to seek further suggestions from our readers.   However, in case no reply is received by us from PMO, then question will arise as to how it can be followed up with PMO ? Anybody who has knowledge about the system followed by PMO may inform us about the same so that we can start preparing for the same.

(c) Now ABS has taken this initiative, should UFBU not help us in follow up with PMO to get a reply? Is ABS too is untouchable as Mr Modi? 

(d) In case ABS does not get reply and UFBU too fails to take the initiative to approach PMO, what other options should ABS explore to end this stalemate?.   One option we are considering is giving a paid advertisement in one or two newspapers, as UFBU has never agreed to take this route even on earlier occasions.   What will be the cost of giving such an advertisements (making an appeal to PM) in some prominent newspapers by ABS ?.  (No collection to be made but to be contributed exclusively by ABS).   Readers who are associated with publicity departments  of respective banks can send me some of the quotes for our review whether we can really bear such a cost?   OR should it be done by UFBU as suggested by us and our readers in comments on many occasions ?  The suggestions for contents of appeal  to be given in newspapers (to be very brief) can be uploaded in comments column or sent to us through email.

Based on the suggestions of our readers and reply / no reply  from PMO, we will review whether ABS has to follow up the issue or UFBU will take up this responsibility  as they collect members subscription and thus are answerable to their cadre.

I know we have initiated a new Chapter at social media to counter the ineffective UFBU and there will be lot of hue and cry among the unions and their supporters.    Whether we will be successful to shake the UFBU or not - only future will tell and will depend on the interest shown by Aam Banker  in this moment to force UFBU to listen to their demands ?   In the process I may have to spend few thousands of rupees from my personal pocket but we are ready to do so for the benefit of the Aam Banker as we do  NOT wish to collect funds from any banker, as respective unions are already collecting crores of rupees and are not answerable to anybody.   Please be ready to counter union leaders who are likely to give this move a political colour /  motive or so.   Tell everybody about the truth that ABS is not collecting any money nor it wishes to join any political party.  Remember my age and health does not permit to do so and I do not want to be a parasite like some of retired leaders heading their unions.    Let God give us strength so that we can continue our efforts to bring TRUTH to the knowledge of each and every banker.  Make this known to as many bankers as possible.  We need your good wishes and not subscription fee.