Indian Banks facing legal hurdles while recovering bad loans and I like to add one more reason to the list..

Destiny of POOR and LOVE by Satnam Singh Sidhu BC

Indian Banks facing legal hurdles while recovering bad loans and I would like to add one more reason to the list..

There could be numerous hurdles to recovery of bad debts that are faced by Indian banks but there is one more reason that need attention of bankers, financial institutions and public.


Borrowers may show fake assets to banks for securing loans to run their businesses.

Recently, a huge discrepancy in bank loan advanced to Pritpal Singh Arora s/o Bhagat Singh Arora 79A The Mall Amritsar have come to my limelight.

Mr Arora secured loan in 2008 against a property in Bala Chak, Amritsar from Bank of Baroda which is not in his possession. The loan amount financed by bank was way higher than the collector rate of the property.

How a loan amount higher than collector rate of land was secured is, still a mystery.

Even further the possession of land was shown to bank on a different property by Mr Arora which is situated in different village and that vacant property belongs to Punjab Government. Land physical location verification and land evaluation was performed by bank on that Government owned property.

Why bank failed to identify the actual physical location of land, the actual collector rate of the land, the real possession of the land is highly questionable!

But this is just part of the story. The blunder mistakes or fraud of bank and frauds of borrower are just the beginning.

The borrower failed to pay his loan payments promptly and Bank of Baroda, Partap Nagar, Amritsar issued public notice in first week of June 2014 for eAuction on July 10th 2014.

When one of the bidder approached the bank regarding details about the property, the bank chief manager, Sarabjit Singh provided them the required documents and also sent bank officer Mr Sharma and Recovery agent Mr Mangal Singh Sandhu with the bidder for site inspection.

Again the wrong property was shown by the bank officials to the potential bidder. I mean the government property situated in village Varpal, Amritsar.

The potential bidder firm, PIMC agent Gagan asked bank chief manager for the clarification for the discrepancy.

Chief manager refused to give any clarification. The MD of PIMC, Sahibjit Singh Sandhu, has asked for the clarification from the DGM, H S Sidhu of Bank of Baroda in Jallandar.

The last date for bid is July 8th 2014. So far Sahibjit Singh Sandhu have not received any clarification.

Question is how come a reputable bank such as Bank of Baroda can make such a big mistake of auctioning a government property.

Even though bank made a blunder mistake in their initial loan approval procedure by evaluating a wrong property but question arises who authorized the bank to auction the wrong property.

Isn't it bank misusing the power bestowed to them by SARFAESI ACT

For detailed documentary evidence contact atsweetcanada@gmail.co
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Hand Broom Lotus

Destiny of POOR and LOVE by Satnam Singh Sidhu BC

DON'T BE SHY TO BROOM YOUR FLOOR

DON'T BE SHY TO BROOM YOUR FLOOR

TAKE THE BROOM AND SWEEP YOUR FLOOR

EXTEND YOUR HAND AND HOLD THE BROOM

LET YOUR HAND HOLD THE BROOM

HOLD THE BROOM IN YOUR HAND AND 

DON'T BE SHY TO BROOM YOUR FLOOR

FLOOR IS SLIPPERY FLOOR IS DIRTY

FLOOR IS LITTERED FLOOR IS FILTHY

FLOOR IS THE BASE FLOOR IS THE GROUND

FLOOR IS THE START FLOOR IS THE SKY

IF YOU ARE CORRUPT AND CRIMINAL IN MIND

TAKE A STEP ONE AT A TIME

CLEAN YOUR THOUGHTS THAT WILL CLEAN YOUR MIND

CLEAN YOUR MIND THAT WILL CLEAN YOUR CRIME

CLEAN YOUR CRIME THAT WOULD BE NICE

DON'T BE AFRAID TO BROOM YOUR MIND

FLOWERS ARE BEAUTIFUL FLOWERS ARE NICE

FLOWERS ARE FRAGRANT FLOWERS ARE GUIDE

GUIDE YOUR HAND TO BROOM YOUR MIND

DON'T BE SHY TO TAKE ONE STEP AT A TIME

MIND YOUR ACTIONS MIND YOUR THOUGHTS

CLEAN YOUR MIND ONE STEP AT A TIME

BROOM YOUR MIND CLEAN YOUR HANDS

HOLD THE LOTUS WITH A PRIDE

HAND IS HAND BROOM IS BROOM

LOTUS IS LOTUS CRIME IS CRIME

CORRUPT IS CRIMINAL CORRUPT IS WEAK

CORRUPT IS DEAD IN HIS MIND

TAKE THE BROOM IN ONE HAND

TAKE THE LOTUS IN OTHER HAND

TOGETHER YOU THREE ARE FREEDOM OF LIFE

APART YOU THREE ARE DEATH OF LIFE

LONG LIVE INDIA LONG LIVE WORLD

LONG LIVE TOGETHER LONG LIVE LIFE

SHRI GURU GRANTH SAHIB-SIKH MOTORCYCLE CLUB AND SHAH RUKH KHAN AND BC LAW by Satnam Singh Sidhu BC

Destiny of Love

SHRI GURU GRANTH SAHIB AND SIKH MOTORCYCLE CLUB AND SHAH RUKH KHAN AND BC LAW

 by Satnam Singh Sidhu BC

RECENTLY, SIKH MOTORCYCLE CLUB OF BC IS IN LIMELIGHT AND AN OFFER BY BOLLYWOOD STAR SHAH RUKH KHAN TO SIKH MOTORCYCLE CLUB SEEMS UNREASONABLE AND INAPPROPRIATE. THE DECISION BY SIKH MOTORCYCLE CLUB TO DECLINE THE OFFER IS JUSTIFIED AND APPROPRIATE. ON THE OTHER HAND THE CLAIM BY SIKH MOTORCYCLE CLUB THAT IT IS DEDICATED TO SHRI GURU GRANTH SAHIB IS DEBATABLE AND NEED SERIOUS ATTENTION. I EXPRESSED MY VIEWS AND FEELING ON FACEBOOK AS FOLLOWS:

WELL SAID. BUT THE POSE DOES NOT EXEMPLIFY IT! I DO SEE SOME ARROGANCE IN THE PICTURE! STILL I HOPE THAT SIKH MOTORCYCLE CLUB MADE A RIGHT DECISION PROVIDED REQUEST WAS IMPROPER AND INAPPROPRIATE! SIKH MOTORCYCLE CLUB IS NOT A CLUB DEDICATED TO SHRI GURU GRANTH SAHIB IN TOTALITY! IS THAT IS THE CASE THEN ALL RIDERS MUST BE BAPTIZED ACCORDING TO SIKH REHAT MARYADA! SIKHISM DOES NOT PROHIBIT THE SIKHS FROM PROMOTING THE SOCIAL ASPECTS OF SIKHISM THROUGH MEDIA OR SOCIAL GATHERINGS (IT DOES NOT MEAN THAT I AGREE WITH INAPPROPRIATE REQUEST OF BOLLYWOOD ACTOR, SHAH RUKH KHAN). MOREOVER SIKH IS THE MOST HUMBLE AND POLITE ELEMENT OF PEACEFUL WORLD COMMUNITY AND YET POWERFUL LIKE STEAL! COURAGEOUS LIKE LION! WARRIOR LIKE BABA DEEP SINGH JI SHAHEED! SIKH MOTORCYCLE CLUB SHOULD GO OUT AND FIND OUT SOME WORTHY SHOW CAUSES TO HELP THE NEEDY POOR OF WORLD. CERTAINLY I DON'T LIKE THE POSES OF SOME MOTORCYCLISTS IN THIS PICTURE. MOREOVER SIKH MOTORCYCLE CLUB IS NOT SOLELY DEDICATED TO SHRI GURU GRANTH SAHIB BECAUSE I KNOW THERE ARE LOT OF MEMBERS IN THE CLUB THOSE ARE UNBAPTIZED AND EVEN SOME ARE COMMUNIST IN VIEWS WHO DO NOT BELIEVE IN ANY RELIGION! SO PLEASE BE CAREFUL WHEN YOU QUOTE SOMETHING IN CONTEXT OF SHRI GURU GRANTH SAHIB! I AM NOT SAYING THAT NON BAPTIZED SHOULD NOT BE MEMBER OF IT BUT I MEAN TO SAY IS, IT IS A GROUP OF MOTOR CYCLE RIDERS WHICH MAINLY REPRESENT MOTORCYCLISTS  WITH TURBANS ON HEAD NOT HELMET. BUT I DO NOT THINK ALL MOTORCYCLIST ARE SIKHS. SOME MAY BE NON-SIKHS LIKE HAR-KRISHAN SURJIT WHO WORE TURBAN AND HAD NO FAITH IN RELIGION. AND HE WAS MUCH BETTER THAN SOME OF MOTORCYCLISTS BECAUSE HE HAD UNSHORN BEARD ON HIS FACE. YET HE WAS NOT A SIKH BECAUSE HE BELIEVED IN NO RELIGION.

SO I AGREE IT WAS A LEGAL BATTLE BY SIKHS, WHICH WAS GENUINE AND IT WAS WON BY SIKHS. BUT COURT DECISION DID NOT SOLELY AWARDED JUSTICE TO SIKHS ONLY. IT WAS ACKNOWLEDGED AS A SOCIAL ISSUE BY THE LAW AND THOSE WHO WEAR AT LEAST 7.5 METER TURBAN CAN RIDE A MOTORCYCLE WITHOUT HELMET.

EVEN A HINDU OR MUSLIM OR ANYONE ELSE CAN WEAR TURBAN AND RIDE THE MOTORCYCLE, UNLESS IT IS INCORPORATED IN THE COURT VERDICT THAT ONLY SIKHS WITH 7.5 METER TURBAN CAN RIDE A MOTOR CYCLE WITHOUT HELMET.

OF COURSE! CREDIT GOES TO THOSE GURSIKHS WHO STARTED THIS LEGAL BATTLE WITH A GENUINE CAUSE AND WON IT.

HAD IT BEEN STARTED BY NON-GURSIKHS, THERE WERE A SLIM CHANCES TO EXEMPT THE HELMET FOR THOSE WHO WORE TURBANS AND MIGHT HAD REPRESENTED THEMSELVES AS SIKHS OR NON-SIKHS.

I MIGHT BE CONFUSING TO SOME OF THE READERS BUT ALL I AM SAYING THAT SIKHS HAVE EVERY REASON TO BE PROUD OF THEMSELVES AND THE BC LAW, BUT NO ONE SHOULD BRAG ABOUT IT AND USE THIS RIGHT VERY CAREFULLY, RESPECTFULLY AND HUMBLY. THIS PICTURE DOES NOT REFLECT HUMBLENESS AT THE VERY LEAST.

SOME PEOPLE RIDE THEIR MOTORCYCLE WITH SMALL TURBANS AND IT SHOULD BE CONSIDERED A SERIOUS OFFENSE NOT ONLY BY LAW AND ORDER BUT BY CONCERNED SIKHS. PEOPLE RIDING MOTORCYCLE WITH SMALL TURBAN MUST BE REPORTED TO POLICE IMMEDIATELY BECAUSE IT IS BREACH OF LAW AND MOCK OF SIKHISM BY THE OTHER COMMUNITIES.

Motion and eMotion

Destiny of Love

Motion and eMotion

Motion means Machines

eMotion means Consciousness

Consciousness means Life

Life means Motion

Just a thought.....by Satnam Singh Sidhu BC

Some evident things in world might have been observed and read by many human beings.

There are 4 directions, Day and Night, Sun and Moon, 360 degree for complete rotation to reach same point, 180 degree for complete opposite from is or total disagreement, birth and death, pain and hunger, rich and poor and so on.

One can take one step at a time unless one jumps. Nothing is stationary in universe. Nothing can be destroyed.

Why human being is in existence and why they differ from each other.; in appearance and in views.

Why human believes in Almighty power and why they don't. Is there any benefit to be religious and what are the disadvantages to be religious.

Which religion is the best? How were religious people different from others. Is earth and planets existed at random or it have source and system to sustain its existence.

Does might is right rule is still applicable in society or majority is right rule has taken over.

Does the mankind spread from Adam and Eve or there are other possibilities. Was it really their sin of sex that cursed them and rest of the humanity.

Does the man gets rewarded by God for his sacrifice for religion in heaven or elsewhere with beautiful gifts after his sacrificial death.

Does the woman has the right to equality with man. 

Are religious preachers and religious institutions helping the mankind to advance in positive direction or not.

Why human want to be leader of others and why others do not lead the leaders.

Does human being has choice to his/her actions and thoughts or not

Does God-Allah-Waheguru-Bhagwan is our supereme Master and are we at the mercy of His will.

Religion! Is it really needed?

Destiny of Love

Religion! Is it really needed?

Religion! Is it really needed

Religion! Is it really real need of human-beings

Religion! Is it free from stereotyping

Religion! Is it a tool to scare people by preachers and promoters

Religion! Are these friendly with each other

Religion! Is it for others to follow
Religion! or is it for me and you
Religion! Is it to promote superiority
Religion! Is it to promote humbleness
Religion! How do you believe it

Religion! Is it about getting better than others
Religion! or it about getting better person
Religion! Is it about conquering other religions
Religion! Is it about God and son
Religion! or is it about God and Goodness

Religion! Is it about rituals and curses
Religion! Is it about My way or High way
Religion! Is it about meeting God in heaven
Religion! Is it about rewards of beauty in heaven
Religion! Is it about beauty in heaven or in heart

Religion! Is it about bragging I am best Mine is best
Religion! Is it about understanding Mind Matter Motion
Religion! Is it about understanding Universe and its system
Religion! Is it about understanding of human traits and virtues
Religion! Is it about clear understanding or blind faith

Religion! Is it subject of Psychology
Religion! Is it subject of Sociology
Religion! Is it subject of Political science
Religion! Is it subject of Social science
Religion! Is it subject of Criminology
Religion! Is it subject of Totality Reality Ideology
Religion! Is it subject of Astrology Astronomy
Religion! Is it subject of Legality Morality
Religion! Is it subject of Literature
Religion! Is it subject of Science
Religion! Is it subject of Doctors Engineers
Religion! Is it subject of a subject
Religion! Is it subject to Humanity Humility

Religion! Is it subject of boredom
Religion! Is it subject of preachers not practicing
Religion! Is it subject of hatred to others
Religion! Is it subject of hatred to those who don't practice
Religion! Is it subject of punishment to those who don't bother religion
Religion! Is it subject of punishment to women by men for her behavior
Religion! Is it subject of reservations and restrictions
Religion! Is it subject of self analysis of behavior and attitude
Religion! Isn't it subject of Learning and Understanding Humanity and Humility
Religion! and most importantly practicing in daily life all the time

Do we need Religion for Sure!

Destiny of Love
Do we need religion for sure!

I certainly don't qualify to be atheist. Equally I don't qualify to be baptized religious person. Then who am I? When I listen to preachers on radio (550AM), internet and other sources it seems that rather than talking about love and peace, I hear how a religion is better than others.

Destiny of Love by Er. Satnam Singh Sidhu BC

Forgive, Forget and Let Go....... 

Is it easy for us to let go someone who hurt us the most?

Not without full torture on him/her in our mental movie of thoughts which sometimes play for rest of our life without any intermission!!!!!

Those of us who have courage to ask and make things clear, have good chances of forgiving others.

Those of us who don't have courage to confront, like to enjoy the mental movie of resentment and grudge for rest of their life. 

Those of us who have courage to ask and ability to put ourselves in others' shoes to understand their side of story, enable us to let go the negative feelings and embrace our friends close to our heart.

Life is short. Life is about love to others. Life is about sharing with friends.Life is like clay weblogs like water and hands like friends. Let friends feel your softness and care for them. Don't be like a hard rock or burning coal to your friends. 

Life has no meaning without friends. Don't be absorbed in status or material and force yourself to love others until it becomes your habit.

It hurts when we hurt our friends and defending ourself with false ego, makes friends further apart. 

Don't let it happen to you anymore. Our ego makes us apart. Our ego have no place in our heart and soul. 

Let's push or pull it out of our heart and mind before it is too late.

Love for everyone is a bliss and ego a curse. 

Ego make our lives miserable and others. Put efforts to love your friends by letting go any negative feelings and call every friend this summer right from childhood til now. 

Forgive any negative feelings and call anyone you have hard feelings for. 

It is hard to feel like that way but believe me push your ego to the side for a moment and call everyone you had negative feelings for whether you feel guilty of hurting others or otherd hurt you.

Don't say anything except: I am sorry that I stopped communicating with you because of my stupid feelings about that incident.

I simply called to apologize for that. I just want you to forgive me for my stupid feelings and thoughts about every thing. 

I like to be friends again with you for rest of my life.

I am very content with my life and my family and my work and all of my friends and I can not let my ego to further jeopardize our friendship.

I have realized that how important it is to be in peace and I can not attain it unless I get rid off all my negative feelings about my friends and my past.

I want peace in my life and I want all my friends to have peace. That is why I called you so that we both can let go that past misunderstandings and stupidity. 

Can I expect you to forgive me and be friends with me once again so that we can enjoy our friendship.

I was stupid enough to let my ego overpower me and destroy my real treasure of my friends on small issues.

No matter how hard you were on me and it was very painful for me to bear it and definitely it shattered my heart and my feelings and my future, but I failed to understand at that time that I was equally responsible for that incident by letting it go to that extent.

I don't want to blame you for anything and my apology is sincerely from bottom of my heart since I realized now that it was my ego that made me emotional and demanding which impaired my judgement and reasoning power. On one hand I was so concerned about it and yet I failed to listen to your side of story. 

I failed to understand the value of our friendship. I became very selfish and possessive in our friendship. My possession and my ego killed our friendship.

Now I have realized the real value of friendship and love by killing my possession and ego.

I am very content and peaceful after apologizing to you. I wish you best in your life and hope I did not hurt your feelings.

My ego is my biggest weakness and I am trying to get rid off it with the help of my old friends to whom I lost because of it.

I have realized the power of apology that kills our ego. When ego dies down, one gets free of negatives and always put efforts to build relationships free of selfish and possessive motives and strengthens long lasting loving, caring and sharing relations with friends and mankind.

It was only possibe after self-realization of own weaknesses and strengths. Once we know our weaknesses only then we can take action against it. We all dream to be heroes and our strengths endorse it but our weaknesses sometimes makes us villain instead.

Our biggest weakness is ego

Second biggest is lust for materialism

Third biggest is ignorance to our weaknesses

Our biggest desire is peace through love

Our second biggest desire is success through honesty

Our third biggest desire is to overcome our weaknesses.

Majority of us die with our desires and only minority of us fulfill our desires.

Only true knowledge from true teacher empower us to self-realization, of desires and deficiencies, which enable us to understand clearly our strengths and weaknesses. A true desire only drive us to push or pull out our weaknesses to fulfill our desires without any problem during our lifetime.

Those who want to be in peace through love successfully need to explore the true knowledge without getting trapped into unnecessary rituals and traditions.

There is no shortage of people who desire to be peaceful through love successfully but;

Unfortunately majority people who seek of peace through love either get trapped into false knowledge or false love. 

Rest is trapped in materialism anyway and they have no real desire to be peaceful, loveable and successful yet they pretend to be.

With Donna M Shepherd and 17 others.