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For most Indians, the salary day this month is going to be unlike any other. The reason being the unabated cash crunch due to the demonetisation of Rs 500 and Rs 1,000 notes announced on 8 November. After the demonetisation, which ceased the legal tender status of the notes and also introduced new Rs 2,000 and Rs 500 notes, there has been severe shortage of smaller denomination notes that has resulted in long queues at banks and ATMs. Banks and the RBI have also rationed the cash supply in order to meet the demand. Customers can withdraw only Rs 24,000 a week from a bank and Rs 2,500 from an ATM. However, there are further restrictions to banks are not possessing enough cash. For instance, as there are no Rs 500 notes available yet, you can withdraw only Rs 2000 from an ATM. Also it is difficult to get change for Rs 2,000 note. [caption id=“attachment_3133634” align=“alignleft” width=“380”] Representational image. PTI[/caption] With the salary withdrawal, which is a regular occurrence at the beginning of every month, expected to start any time now, there are concerns that the situation is going to worsen. So how do you deal with a month on a tight leash unable to access your own money freely? First things first. This is a month where you won’t find it easy making payments or getting people to accept online payments. So factor that difficulty in. But this would only be a beginner’s problem. A month later, things should be better. Or so is the expectation. Anil Rego, CEO & Founder, Right Horizons; and Pankaj Mathpal, Managing Director, Optima Money Manager Pvt Ltd suggest ways to deal with cash crunch better: Here we go: Making cashless transactions: Use a combination of mobile wallets, debit and credit cards to make your life easier. Conserve cash as much as possible. That means prune your expenses. Go eating out much less and entertaining folks even lesser. Everyone will understand. Cash crunch is universal in the country. Use cards and mobile wallets wherever possible. If you are able to do that more, most of your expenses will come down considerably. And also your stress levels. Pay groceries by card: If your kiranawallah does not accept card payments, too bad for him. Go to the supermarket or any other store that does. Your local grocer will realise that there if he or she doesn’t go cashless it will result in huge business loss. Next month, if not now, he will be prepared for cashless transactions. Help your household help: You could help your household help by buying provisions, etc so that she can tide over the month without cash. Most of them have bank accounts which is rarely used and you can help them by showing them how to access cash by using card for payments. Pay by cheque or electronic transfer in the account of your domestic help. If your household help does not have a bank account, assist her in opening a zero-balance account under Jan Dhan Yojana. That will be a permanent solution. Bank transactions prove the credit worthiness of a person and it will help the domestic helps in raising loan, if they need anytime in future. If you tell this to them they will accept cheque payment easily. Most of the domestic helps use smart phone nowadays. Educate them on the benefits of e-wallet and help them to download the app on their mobile. You can easily transfer money into the e-wallets. You can also pay through Unified Payment Interface (UPI) in the account of your domestic help. There is no registration needed. You can use UPI for utility bills too. Sign up for ECS facility: Sign up for electronic clearing system and it will deduct the bill amounts directly from your account. You could pay your telephone bills through ECS. You need to give an authorisation to automatically debit the bills. Newspaper hawkers shouldn’t be a problem either as they accept payment through cheque or electronic transfer in their accounts as they further pay to the newspaper agency. Every newspaper hawker is expected to have a bank account. If they don’t accept cheques, that means their intention is to evade tax on their income. Use mobile wallets for travel expenses: Use Paytm or any mobile wallet while using autorickshaws. Most of them accept it now. Using taxi aggregators like Ola and Uber should not be an issue. They accept online transactions. You could also download their apps to make payments easier. Do not go to bank (unless it is absolutely necessary): You could try and avoid going to the bank as much as possible to withdraw cash. If you can do digital transfers, do that sit tight. Let those who is dire need of cash go to the bank. This will reduce the crowd at the banks and ATMs and make their life easier. You can easily tide over a month with as little as Rs 26,000 as cash in hand if you use online modes of payments as mentioned above. You will have to pay for that cup of tea or coffee if it is a small outlet that does not accept online mode of payment. More importantly, going cashless will leave a digital trail of your expenses and you can keep a tab on your monthly budget and splurge or prune accordingly your wants and needs.
Pay day highlights: Cash crunch escalates; pensioners hit hard in Maharashtra
For most Indians, this pay day is going to be unlike any other. The reason being the cash crunch due to the demonetisation of Rs 500 and Rs 1,000 notes.
 "Pay day highlights: Cash crunch escalates; pensioners hit hard in Maharashtra")
As time to submit demonetised notes comes to a close today, people queue up outside RBI offices across India
Delhi: Today being the last day to submit demonetised notes, people seen queuing up outside RBI #DeMonetisation pic.twitter.com/LjhkeRdacC
— ANI (@ANI) December 30, 2016
As time to submit demonetised notes comes to a close today, people queue up outside Reserve Bank of India's Kolkata branch #DeMonetisation pic.twitter.com/Ct3HHxhoMP
— ANI (@ANI) December 30, 2016
Jharkhand
Bihar: Tattered demonetised notes of Rs 500 found by locals in Gopalganj. Police on the spot for further investigation #DeMonetisation pic.twitter.com/QmYMDbFRsF
— ANI (@ANI) December 30, 2016
Specified bank notes (SBNs) cannot form part of banks’ cash balances from the close of business as on 31 December, 2016 to deposit the same in any Issue Office of Reserve Bank or a currency chest on 31 December, 2016 itself, RBI said.
SBNs (Specified bank notes) cannot form part of banks’ cash balances from the close of business as on December 31, 2016: RBI
— ANI (@ANI) December 30, 2016
(Cont) to deposit the same in any Issue Office of Reserve Bank or a currency chest on December 31, 2016 itself: RBI
— ANI (@ANI) December 30, 2016
Veteran journalist R Jagannathan on 50 days completion of note ban
The cash crunch in cities seems to be easing. Just for a lark i went to 5-10 different ATMs on diff days and all yielded cash Queues shorter
— R Jagannathan (@TheJaggi) December 30, 2016
Brand RBI takes a beating as brand Modi flourishes
The brand Modi might have received a good boost after the demonetisation drive, however, the brand RBI, the monetary authority in charge of the Indian currency, may have taken a huge drubbing, brand experts told _Firstpost_'s Sulekha Nair .
The common man is in the mood to forgive the prime minister as he realises that demonetisation is a big task that irritants like more than 60 policy flip-flops after the announcement of the scheme can be ‘tolerated’, says Harish Bijoor, chief executive officer of brand and business strategy firm Harish Bijoor Consults Inc.
The man who is complaining the most is the one who is affected and that is not the ‘common man’, believes Bijoor. He places Modi’s popularity on a ratio of 80:20 with 80 percent having welcomed the bold move of the PM.
Meanwhile, the RBI’s image seems to have been dented significantly during the period. Post the announcement, the action mostly happened in Delhi and the central bank was relegated to the background. Moreover, the frequent rule changes, mostly dictated by the political bosses in Delhi, unfairly affected the central bank’s image.
**_Read the full article here_**PM Modi could launch massive campaign in his address on New Year
Post #DeMonetisation Govt. to roll out massive campaign. PM's address to the nation on Dec 31st will be beginning of this campaign: Sources
— ANI (@ANI) December 29, 2016
Today’s the last day to deposit scrapped notes
The deadline to deposit old Rs 500 and Rs 1,000 notes in banks ends today. From next week onward, those still holding the scrapped currency can deposit it only with the Reserve Bank of India till 31 March, 2017. After 31 March, holding demonetised notes would be illegal and could invite hefty fines and even jail, according to an ordinance passed by the Union Cabinet on Wednesday.
Prime Minister Narendra Modi is expected to address the nation on Saturday after his self-imposed deadline of 50-days for the situation to return to normal ends. While some people are hoping for an extension in the deadline, the government maintained it had no plans to do so.
With inputs from IANS
MP chief minister Shivraj Chauhan aims salvo at Opposition
Vipakshi dal kuch karne laayak bache nahin, sapne mein bhi PM dikhaayi dete hain unhe, neend mein uth ke chillate hain PM isteefa do: MP CM pic.twitter.com/sJbaRp2btd
— ANI (@ANI) December 30, 2016
Deadline to deposit junked notes arrives
The 50-day deadline to deposit the old Rs 500/1,000 notes in banks comes to an end today, but the cash crunch and queues before ATMs are likely to continue for some more time as currency printing presses have failed to meet the huge demand for new bills.
People, however, will still have time to exchange the currency notes at designated RBI counters till 31 March after giving valid reasons for not depositing defunct notes in their accounts by 30 December.
The government is also planning to come out with an Ordinance making possession of old Rs 500/1,000 notes beyond a specified limit for numismatic purposes illegal and punishable.
– PTI
Demonetisation, explained in cricketing terms
As (Narendra) Modi gets ready to address the nation on 31 December in a stock-taking speech, sober watchers of the game may find no nail-biting finish or clear winner. We might need to use something resembling the Duckworth-Lewis method that cricket scorers use when rains or disruptions mar a match.
Read the rest of Narayanan Madhavan's piece hereNarendra Modi’s 8 November speech (excerpt)
Brothers and sisters,
To break the grip of corruption and black money, we have decided that the 500 rupee and 1,000 rupee currency notes presently in use will no longer be legal tender from midnight tonight, that is 8th November 2016.
This means that these notes will not be acceptable for transactions from midnight onwards. The 500 and 1,000 rupee notes hoarded by anti-national and anti-social elements will become just worthless pieces of paper.
Read the full speech hereAfter demonetisation, there’s more to come
Post #DeMonetisation Govt. to roll out massive campaign. PM's address to the nation on Dec 31st will be beginning of this campaign: Sources
— ANI (@ANI) December 29, 2016
Movement towards digital transactions spells the end of corruption, which adversely affects dreams & aspirations of the poor & middle class.
— Narendra Modi (@narendramodi) December 29, 2016
Narendra Modi’s 8 November speech (excerpts)
There comes a time in the history of a country’s development when a need is felt for a strong and decisive step. For years, this country has felt that corruption, black money and terrorism are festering sores, holding us back in the race towards development.
Narendra Modi did what Indira suggested was not for her to do
When Prime Minister Narendra Modi, in a televised address on 8 November, told the nation that the existing Rs 500 and 1,000 notes can no longer be used for transactions and they are now mere pieces of papers, he very well knew that a huge number of zero-balance accounts were going to witness sudden activity from the very next morning.
Modi is not Indira Gandhi and 2016 is not 1974 when TA Pai, the then Union Minister for heavy industry told Gandhi: “Currency has no complexion and it is neither white nor black.” (Declassified black money files of prime minister’s office, no 37 (465)/74 PMS).
Unlike Gandhi, who in a letter dated 24 August, 1974, to all chief ministers, sought ‘selective action’ against ‘bigger people’ that could be publicised to counter the perception in the public mind and in Parliament, Modi and his officers were well prepared in advance to scrutinise the shades of unaccounted stash in the country, even if that meant severe criticism of his government.
Read the full article here .
Ruling party is fighting corruption and black money,while some opposition parties are fighting for the corrupt and terrorists:Venkaiah Naidu pic.twitter.com/tIA2RycgSN
— ANI (@ANI) December 16, 2016
It’s ironic that parties which opposed Congress are now supporting it: Venkaiah Naidu
‘It’s ironic to see that government is fighting corruption, and the opposition is opposing it. Many people are shaken because vested interests are shaken. They are trying to create panic in the public. And therefore, they are trying to tarnish Prime Minster’s image,’ Venkaiah Naidu said.
‘It’s a pity that this opposition party, who fought against the Congres both inside the Congress and outside the Congress are ready to work with Congress. Trinamool Congress, CPI (M) are with Congress. Even DMK who had taken talaq from Congress are rallying behind it. They don’t even know what their leader is going to talk about. The congress regime was filled with scams. They will have to explain it to the people," he added.
PM said in meet Indira ji told YB Chavan that don't you want to contest polls? This was Congress plank but they did not implement:Sources
— ANI (@ANI) December 16, 2016
PM said Congress had chance to clean the system in 1971, but it didnt | ANI
PM said in meeting that Wanchoo committee had given recommendation of #Demonitization to Indira Gandhi ji,but she snubbed the report:Sources
— ANI (@ANI) December 16, 2016
BJP Parliamentary meeting comes to a close
Delhi: BJP leaders leave after the party's Parliamentary meet pic.twitter.com/atb9xzLOZA
— ANI (@ANI) December 16, 2016
PM ne kaha pehle satta paksh ghotale karta tha, aaj ke din satta paksh black money ko lekar kaam kar raha hai: Ananth Kumar
— ANI (@ANI) December 16, 2016
PM ne kaha aaj 16 tarikh Bangla vimochan diwas hai, tab vipaksh ne saboot nahi manga tha,lekin aaj vipaksh saboot mangta hai:Ananth Kumar
— ANI (@ANI) December 16, 2016
PM said Digital Economy a way of life: Ananth Kumar, BJP leader
Speaking to the press after the BJP Parliamentray meet, BJP leader Ananth Kumar said that the demonetisation was one of the key things discussed at the party meet. He also said that the Prime Minister discussed few key issues including that digital economy should be a way of life. Kumar also said that there will be a review of the demonetisation sheme.
PM appealed to people of India that digital economy should be a way of life,it will be transparent and effective: Ananth Kumar pic.twitter.com/OMw5x45HxA
— ANI (@ANI) December 16, 2016
Rahul Gandhi and Congress leaders to meet Narendra Modi
Congress leaders including Rahul Gandhi to meet PM Narendra Modi shortly
— ANI (@ANI) December 16, 2016
While key BJP meeting continues, Opposition leaders meet in Parliament
Opposition leaders meeting underway in Parliament #wintersession pic.twitter.com/UcxnBNECUj
— ANI (@ANI) December 16, 2016
Senior BJP leaders have arrived at the Parliament House
Delhi: BJP Parliamentary Party meeting underway. (Inside visuals) pic.twitter.com/yoz4KXp8Tu
— ANI (@ANI) December 16, 2016
The Opposition has disgusted the Parliament: GVL Narsimha Rao, BJP Spokesperson | CNN-News18
‘What the Opposition is saying is basically a charade. They have dishonoured the mandate of the people,’ GVL Narsimha Rao told CNN-News18
It’s an ominous episode for Parliament: Congress leader Adhir Ranjan Chowdhary | CNN-News18
Whether it’s rejected or accepted we want a discuss in the Parliament. The Congress Party has come down on its demand including voting, Congress MP Adhir Ranjan Chowdhary said
PM Narendra Modi and Amit Shah arrives at the venue | CNN-News18
Senior BJP leaders including Prime Minister Narendra Modi and Amit Shah, have already arrived at the venue.
Delhi: PM Narendra Modi arrives for BJP Parliamentary Party meeting pic.twitter.com/Yjr16durWU
— ANI (@ANI) December 16, 2016
BJP to hold party meet on Thursday, PM Narendra Modi to address nation | CNN-News18
The Bharatiya Janata Party has announced that it will hold a party meet at 9.30 am on Thursday. According to CNN-News18, the party meet will discuss demonetisation and will be broadcast live. Prime Minister Narendra Modi will be addressing the nation as well, the news channel said.
The Opposition parties will meet with BJP leaders as well at around 12 pm on Thursday to discuss demonetisation.
Banks prefer supplying cash via branches than through ATMs
“Total number of notes in lower denominations of Rs 100 and below supplied in last five weeks is three times of what RBI supplies in an year,” Das said. The Economic Affairs secretary also said that there are 2 lakh 20 thousand ATMs and more than 2 lakh ATMs have already been re-calibrated.
There are 2 lakh 20 thousand ATMs and more than 2 lakh ATMs have already been re-calibrated: Shaktikanta Das,EA Secy #Demonitization
— ANI (@ANI) December 15, 2016
Total number of notes in lower denominations of Rs 100 & below supplied in last 5 weeks is 3 times of what RBI supplies in an year: S Das pic.twitter.com/MzYTndiShq
— ANI (@ANI) December 15, 2016
Banks prefering supplying cash via branches to their customers than through ATMs: Shaktikanta Das,EA Secy #Demonitization
— ANI (@ANI) December 15, 2016
Banks prefering supplying cash via branches to their customers than through ATMs: Shaktikanta Das,EA Secy #Demonitization
— ANI (@ANI) December 15, 2016
Surgical action, if you may: Das
The Economic Affairs Secretary also said that airlifting of currency will continue “wherever possible”. “And emphasis will be on rural areas to ensure enough cash.”
Das also said that actions enforecement agencies are taking on illegally accumulated money is based on specific inputs, “surgial action you may call it.”
Airlifting of currency to continue wherever necessary, emphasis on rural areas to ensure enough cash: Economic Affairs Secy Shaktikanta Das
— ANI (@ANI) December 15, 2016
13 percent of ATMs loaded with cash in December
Shaktikanta Das said that only 13 percent of ATMs loaded with cash in December.
“Number of notes with lower denomination that RBI supplies over a year, has been supplied in last five weeks,” Das added.
Process of distribution streamlined; Airlifting of notes continued where necessary, emphasis on more cash to rural areas: Shaktikanta Das
— News18 (@CNNnews18) December 15, 2016
Shaktikanta Das said that the intial focus was to supply Rs 2,000 notes to replace value that was taken out of the market. “Now focus is on printing more of Rs 500 notes.”
Intial focus was to supply 2000 notes to replace value that was taken out of the market. Now focus is on printing more of Rs 500 notes:S Das pic.twitter.com/QdPZrwlDVo
— ANI (@ANI) December 15, 2016
Shaktikanta Das, Economic Affairs Secretary, speaking on US Fed rate hike
Our markets had already factored in the rate hike and they would remain fairly stable:Shaktikanta Das,EA Secy on US Fed rate hike pic.twitter.com/dP3YXQ1cnm
— ANI (@ANI) December 15, 2016
Possibility of counterfeiting new 500 & 2000 notes is very very less. Also,they are completely indigenous:Shaktikanta Das #Demonitization
— ANI (@ANI) December 15, 2016
First time notes were indigenously designed in house with security features,makes notes more secure with less chance of counterfeiting:S Das pic.twitter.com/W3HxJpMEaT
— ANI (@ANI) December 15, 2016
So its understandable that they are uncomfortable with this strong step by Modi Government: FM Jaitley on Congress #DeMonetisation
— ANI (@ANI) December 13, 2016
Corruption scams peaked in Congress period. Given this scandalous record it is uncomfortable with anti-corruption steps: FM Arun Jaitley pic.twitter.com/9g97WNMyo5
— ANI (@ANI) December 13, 2016
There were two striking features of the two Congress regimes(UPA), no steps against corruption or black money:FM Jaitley pic.twitter.com/OoIPf5I5qn
— ANI (@ANI) December 13, 2016
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