Sub:-The feelings of south India saharains with respect to the company- reg.

Respected all seniors & all Kartavyayogis

Sub:-The feelings of south India saharains with respect to the company- reg.

Our HON'BLE CHAIRMAN had delivered his proliferations to all saharains in the zonal, sector, meetings and gave an excellent message about the developments of the company and benefits that are to be offered for the performers and his valuable message has been transgressed to the promoter level, during the olden days which is a hallmark for the company’s development. In recent meetings of the company holding at zonal levels for motivating all the cadres, and the message given to workers is in the Hindi or English languages only which is adopted by the speakers. It cannot be understood by many of the lower level workers.

The ultimate objective of the company was not reaching to the lower levels, because of lack of native language. With the result of this language barrier, most of the field workers were confused. Due to lack of right information regarding various schemes and other objectives of the company, the field workers are unable to explain properly to the customers. The objective of your meetings is failing.

In the past days, field workers think that working in Sahara India is a great opportunity but now they are facing huge problems from office side and by customers. If a minor account is opened and if collections of deposits are missed for one or two days, after completion of 365 days the party is losing more than 40% bonus and in G-7, S-4 and RDN also having same problem. The maturity advice will come after 45 days. The customers are loosing their bonus and their amount will be paid after 2 months. The customer says that in other banks and post office they are taking penalty for lapsed installments Rs. 2/- and the bonus could not be deducted. The maturity comes to office delayed, saying that fund is not available. So finally customer is vexed and criticizing the agent.

At branch or sector level, about the lapsed account we have to intimate the customer, the notice will not be given to customer when they fail to pay the installment like the other banks and LIC send notices to pay installments. The customer stops his account, and deviating other customers saying services of Sahara is bad. And field workers and higher cadre are showing interest in other companies and the commissions offered by them are also better than Sahara. And the agents who open accounts and collect renewals does not pay at office and the office staff can not identify those agents unless and until the customer complaints the office and the agents are misusing the renewals. When this is informed to higher officers, the higher officers give a good solution that the amount should be recovered from the top senior. The commissions and incentives of the top seniors are stopped, for these reasons the seniors are moving to other organizations. If a senior officer goes to other organization, he takes as many people as he can along with him. The promotions and incentives (benefits) in Sahara are giving purely on the basis of one particular religion and who bend their knees before the senior officers.

The daily collectors who are collecting the amount on sheets prepared their own, because there is no collection sheet for them .The DCS which are provided by the company is for only company use. The depositor is having no proof for the daily amount paid by him. Taking this as an opportunity, the daily collectors are using this money of their own and misusing the amount. Most of the collectors are depositing the daily collection once in 5 days or week and some only once in a fortnight. On an average if 3 collectors per branch are missing (financial irregularities) of each 3000/- i.e., is total 10,000/- per month then the total amount misused by field workers is Sahara India (1700 branches) in a year is 20.40 Cr. The Company not only looses this amount as business but also looses its name and fame in the market. So some appropriate step must be taken against this, malpractices regarding these field workers, who are misusing the amount. The staffs of branch are also indulging malpractices like if one has got Rs. 600/- commission the staff is showing Rs. 400/- by keeping wrong figure and fudging the accounts and later regarding the amount, they are not giving monthly commission statements. This should be checked at once, by the management at branch, sector and region levels. There is no evidence at parties. The commissions of field workers are distributed in SI and SICCL, IC and ORC and incentives and if the worker forgets any advice it is also misused at branch. And the performance of branch is worst, and no water facility, broken chairs are the evidence for the customers. They are not daring enough to invest huge amount in the organization.

The kit bags are not available to promoters. At branch at least one problem arises daily regarding misusing of amount which disturbs other parties. Now a day the rates of FMCG products are increasing, but the commissions are remain same. Till now the benefits of Karmaphal to our knowledge no body has gained in these 30 years. In South India, it takes 4 to 5 years to reach the death benefits to the worker. And we don’t know to whom children education fund and festival advance is given and to whom loans are given (2/4 wheelers, marriage, medical). As Per the Karmphal benefits we have not seen any benefits to the seniors so far. With this customers are vexed very much and they want to report to the press. And regarding non availability of fund at branch level, the maturity is becoming late. To meet the crisis, branch managers and seniors’ workers are bringing amount from outside and gives to the customer which is creating problem at branches. When fund comes, the borrower take amount including interest which is recovering from the commissions and office workers salaries.

SAHARA CITY HOMES World largest chain of city homes is introduced. Every field workers is interested to book city homes. By their customers at our branch/sector/region an excellent idea was given to book city homes. Example:- if a costumer book a city home in Chennai double bed room Rs 17,15,000/- booking amount Rs 85,750/- and after 2007 i.e. after two years we can pay 41,000 bonus is 2.4% on 1715000/- and the value increased on city home. We can sell to another customer. We have done the same but till now there is no sign of construction. And here the customers are keeping pressure to pay the booking amount + interest. And finally the costumers are asking at least to return the principle amount. When for cancellation of this city home at least 5% will be deducted from the amount as said by branch. We could not under stand what to do with this city home. The agents who booked the city home are facing many troubles from the depositors and financially they are weakening.

In the past days when the business was in swing and every field worker is indulged in business and team Development. Company had introduced silver labh yozana saying that the old scheme interest rates are decreasing. City homes and silver labh yozana were the amount can withdrawn after 3 years and can be cancelled which was said by BM’s, Sector Manager’s and Regional managers. But today they are saying cancellation is not there and customer should wait up to 10 years. Customers are taking 100% loans from these accounts and using harsh language at agents and office staff And Company. In Draw coupons issues also customers are facing many problems. And company is changing rules as per their discretion. And no promised products are available. Agents booked the above scheme very forcibly with the customers and now they are losing many customers and losing their dignity in the society. The Chairman Sir promised the repayment of interest rate difference, but no action has been taken in this regard, so far.

Office staff are acting before their senior and taking huge targets which can not be achieved and the same pressure is put on the field workers. They include our commission in the bonus and the calculated bonus is shown to customer when our commission and incentives are shown to customer to get deposits, and then how could we survive. And regarding fund we ask at branch they say when fund is not available we can not do any thing. Even Sector Manager does not take any responsibility. They simple say we had demanded for fund we are waiting for it.

All these things are not relevant for them and then roaming daily, criticizing the workers. Using vulgar, bad words to the field workers and office staff and they are depressing with this situation. The seniors from field and office staff are showing interest towards other companies like SBI, Bajaj, ING, LIC, Met Life, Reliance Life,postal, etc. The workers also change their customers also with them. When such things are discussed with seniors they cannot able to answer. The meetings are conducted in a routine way. Every body shows a smile face but having another inner feeling. The expenditure of such meetings are merely waste. Till now nearly 200 to 1000 members’ workers resigned from the staff and senior field workers. But no change in the seniors behavior. The south zone seniors are using hard words like saley, worst fellow, gade (donkey), and get out from the meeting. These are hurting to the workers, Resulting making resignations.

“In the meetings south Indian workers were treated as BAKRAS and NAPUNSAKS.” These are the points which we are expressing with sad. Kindly understand our feelings and if you can understand these feelings and the problem’s facing by us we can develop our organization and if you feel please convey your message in Telugu in the meetings.

In these circumstances we express our deep melancholy with bitter tears – since we are practically receiving depreciation and names like “impotent” – “fools” which would make us really inefficient instead of appreciations. If you appreciates, it would make us enthusiastic to achieve the targets and make good business. So, we bring all these issues to you for your justification in the administration and to eradicate the redtapism of the supervising officers on us. Otherwise, we should bestow our complete attention in the promotion of good business. Intact one should have a plain mind and treat others superiors as well as sub-ordinates as their own kith and Kin which will promote hospitality and humanity. Then the meeting will be a successful one to achieve the goal.

In view of the above things are going on, you are humbly requested to send your views, suggestions, if any your grievances to our email address to: kartavyacouncilsahara@gmail.com or post them. Please visit the http://kartavyacouncilsahara.blogspot.com and post your comments and suggestions.

This is an open forum and is created by Sahara India workers. If we unite into one, we can bring out our feelings to the whole world. These messages on one day can be readdressed by right person and make justice to us. Please forward another kartavya yogi’s

By

South Indian Workers

ANY COMPLAINT & SUGGESTION’S PLEASE PUT IN. http://kartavyacouncilsahara.blogspot.com, kartavyacouncilsahara@gmail.com ONE OR THE OTHER DAY HON'BLE SAHARASRI WILL SEE DIRECTLY AND MAY TAKE ACTION (HOPE SO)

SOUTH INDIAN WORKERS, SAHARAMANZIL, OPP.A.P.SECRETARIAT, SAIFABAD,

HYDERABAD-500 063, PHONE-(040) 55910087, 55910088