Sunday, March 14, 2021
6 more vaccines on the way: Harsh Vardhan
HC reverses trial court’s acquittal order in 2003 attempt to murder case
Senior citizen sues bank for taking extra money, wins ₹3k
Senior citizen sues bank for taking extra money, wins ₹3k
Cash Debited Illegally For Fuel Purchases
Petlee.Peter@timesgroup.com
Bengaluru:14.03.2021
Overcharged for fuel purchase through his debit card, a 65-year-old Bengalurean took his bank to a consumer court, which ordered it to refund the excess amount of Rs 382 collected from the man, apart from paying him Rs 3,000 as compensation.
Prasad KP of Nagarabhavi used to tank up his vehicle using his debit card. The retired banker examined his bank statements between April 24, 2014 and July 6, 2015 and found that a commission of Rs 521 was debited from his account for fuel purchases. While the actual cost of fuel was mentioned in the petrol bunk, more money was deducted from his account.
Prasad found out that as per RBI guidelines, extra charges collected as TIP or merchant discount rate (not shown at point of sale) shall not exceed 0.75% of the transaction amount for value up to Rs 2,000 and 1% of the transaction amount for value above Rs 2,000. The guidelines also say only if the consumer agrees to bear the extra charges, s/he should proceed with the transaction during fuel purchases.
Since Prasad hadn’t agreed to bear the extra cost, he requested the bank to refund the additional Rs 382 from April 2014 to July 2015. With the bank failing to do so, he approached the Bengaluru rural and urban 1st additional district consumer disputes redressal forum on March16, 2018 with a complaint against the chairman and MD of the bank and assistant general manager of its branch where he had an account.
Prasad fought his case on own, while the bank’s lawyer stated it was false, frivolous and liable to be dismissed. He said the money was debited from the customer’s account with tax on the refuelling charge. The card was swiped in another bank’s POS machine and Rs 382 was debited as per its terms and conditions. As per industrial practice, certain merchants pass on MDR or TIP charges to card holders and the fuel industry follows this. Since TIP charges were claimed by the bank whose POS machine was used, their was no deficiency by the customer’s bank, he argued.
Judges noted that as per RBI guidelines, merchants and banks which provide POS and debit card services can levy TIP charges. But this is not told to customers whose cards are swiped in POS machines. Even petrol bunk authorities do not inform customers that service charge would be deducted from their account. Only when customers get the transaction statement, they get to know that an amount greater than the actual cost of petrol or diesel has been deducted.
In Prasad’s case, it’s clear that more money was deducted from his account than the stipulated percentage permitted by RBI, the judges said, adding that this amounts to deficiency of service. Despite requests by the customer, the bank had refused to refund the excess money collected.
On February 26, 2021, the court asked the bank to refund Rs 382 to the customer with interest apart from paying him Rs 1,000 towards damages, Rs 1,000 towards correspondences and Rs 1,000 towards litigation expenses within 30 days.
Shop charges ₹7 for carry bag, fined
Haveri:
The Haveri District Consumer Redressal Forum fined a cloth vendor for charging Rs 7 from a customer for a carry bag. The forum, in its order, said companies selling bags with their shop’s logo is illegal. Forum chairman Sunanda and member Maheshwari B S ordered that Rs 7 charged for the bag be refunded to the complainant.
Lifestyle International Private Limited was also asked to pay Rs 3,000 for harassment, mental agony and litigation expenses. The company should deposit Rs 10,000 to the forum’s legal aid account.
Jyoti Jambagi, a resident of Davanagere city, had shopped at the outlet in December 2019. The outlet charged Rs 7 for the bag. Jyoti contended that by charging her for the bag, the outlet was not being responsibile in discharging its service. The forum slammed the firm for charging an additional amount for the paper bag.
The forum ruled that it was the store’s duty to provide a free bag to the customer who purchased their product. TNN
Senior citizen sues bank for taking extra money, wins ₹3k
Cash Debited Illegally For Fuel Purchases
Petlee.Peter@timesgroup.com
Bengaluru:
Overcharged for fuel purchase through his debit card, a 65-year-old Bengalurean took his bank to a consumer court, which ordered it to refund the excess amount of Rs 382 collected from the man, apart from paying him Rs 3,000 as compensation.
Prasad KP of Nagarabhavi used to tank up his vehicle using his debit card. The retired banker examined his bank statements between April 24, 2014 and July 6, 2015 and found that a commission of Rs 521 was debited from his account for fuel purchases. While the actual cost of fuel was mentioned in the petrol bunk, more money was deducted from his account.
Prasad found out that as per RBI guidelines, extra charges collected as TIP or merchant discount rate (not shown at point of sale) shall not exceed 0.75% of the transaction amount for value up to Rs 2,000 and 1% of the transaction amount for value above Rs 2,000. The guidelines also say only if the consumer agrees to bear the extra charges, s/he should proceed with the transaction during fuel purchases.
Since Prasad hadn’t agreed to bear the extra cost, he requested the bank to refund the additional Rs 382 from April 2014 to July 2015. With the bank failing to do so, he approached the Bengaluru rural and urban 1st additional district consumer disputes redressal forum on March16, 2018 with a complaint against the chairman and MD of the bank and assistant general manager of its branch where he had an account.
Prasad fought his case on own, while the bank’s lawyer stated it was false, frivolous and liable to be dismissed. He said the money was debited from the customer’s account with tax on the refuelling charge. The card was swiped in another bank’s POS machine and Rs 382 was debited as per its terms and conditions. As per industrial practice, certain merchants pass on MDR or TIP charges to card holders and the fuel industry follows this. Since TIP charges were claimed by the bank whose POS machine was used, their was no deficiency by the customer’s bank, he argued.
Judges noted that as per RBI guidelines, merchants and banks which provide POS and debit card services can levy TIP charges. But this is not told to customers whose cards are swiped in POS machines. Even petrol bunk authorities do not inform customers that service charge would be deducted from their account. Only when customers get the transaction statement, they get to know that an amount greater than the actual cost of petrol or diesel has been deducted.
In Prasad’s case, it’s clear that more money was deducted from his account than the stipulated percentage permitted by RBI, the judges said, adding that this amounts to deficiency of service. Despite requests by the customer, the bank had refused to refund the excess money collected.
On February 26, 2021, the court asked the bank to refund Rs 382 to the customer with interest apart from paying him Rs 1,000 towards damages, Rs 1,000 towards correspondences and Rs 1,000 towards litigation expenses within 30 days.
Shop charges ₹7 for carry bag, fined
Haveri:
The Haveri District Consumer Redressal Forum fined a cloth vendor for charging Rs 7 from a customer for a carry bag. The forum, in its order, said companies selling bags with their shop’s logo is illegal. Forum chairman Sunanda and member Maheshwari B S ordered that Rs 7 charged for the bag be refunded to the complainant.
Lifestyle International Private Limited was also asked to pay Rs 3,000 for harassment, mental agony and litigation expenses. The company should deposit Rs 10,000 to the forum’s legal aid account.
Jyoti Jambagi, a resident of Davanagere city, had shopped at the outlet in December 2019. The outlet charged Rs 7 for the bag. Jyoti contended that by charging her for the bag, the outlet was not being responsibile in discharging its service. The forum slammed the firm for charging an additional amount for the paper bag.
The forum ruled that it was the store’s duty to provide a free bag to the customer who purchased their product. TNN
Students question AICTE decision on maths, physics
Mortality Risk Up Many Fold If Op Done Within 6 Weeks: Study
DurgeshNandan.Jha@timesgroup.com
New Delhi:14.03.2021
It’s better to delay surgery, except for emergencies, if you have been diagnosed with Covid-19 recently. A new study shows that people who undergo surgery within six weeks of being Covid-positive are more than two-and-a-half times more likely to pass away compared with those who don’t have the infection.
The risk goes up further if the time of surgery is closer to the diagnosis of Covid-19, the study published in medical journal Anaesthesia says. The analysis was based on over 1.4 lakh surgeries conducted in 1,674 hospitals in 116 countries. This included 56 hospitals from India, including All India Institute of Medical Sciences.
Dr Shilpa Sharma, who led the study from AIIMS, told TOI, “While it is a known fact that SARS-CoV-2 infection during surgery increases the mortality risk, this is the first time a study has given evidence about the least amount of time delay in surgeries that would optimise final outcomes.”
“In all, 31 doctors from AIIMS participated in the study. We analysed deaths and pulmonary complications recorded within 30 days in patients who underwent surgery in departments such as paediatric, orthopaedics, cardiothoracic and general surgery and neurosurgery. It showed that patients with current and past history of Covid-19 were at higher risk of postsurgery complications and even death,” added Sharma.
The doctor said that this could be because Covid-19 causes systemic inflammation. “The infection affects the lungs. Administering anaesthesia isn’t easy. Also, most such patients have low immunity and the risk of postoperative infection is high. The decision to delay surgery needs to be balanced by the disease risk to the patient,” she added.
At AIIMS, RT-PCR and CBNAAT tests are carried out routinely to screen all surgical patients. Surgery is delayed for those who test positive, wherever possible, till the patients recover.
The study showed that time of surgery from the diagnosis of Covid-19 was inversely proportional to the risk of death and even pulmonary complications.
Of the 1,40,231 patients who underwent surgery at different hospitals during the study period (October 2020), 3,127 were diagnosed with current or recent history of Covid-19.
The 30-day post-operative mortality in patients who underwent surgery in 0-2 weeks of diagnosis of Covid-19 was 9.1%, 6.9% within 3-4 weeks of the infection, 5.5% within 5-6 weeks of contracting Covid-19, and 2% in those who were operated upon after seven weeks of being infected with the virus.
Lockdown again not the solution: Experts
Nisha Nambiar & Tushar Pawar TNN
District administrations in parts of Maharashtra — faced with a fresh surge in cases — recently enforced new curbs and warned citizens of a complete lockdown. But health experts said a lockdown — often described as the ‘nuclear’ option in disease containment — is not the solution to stopping Covid-19.
State surveillance officer Pradeep Awate said the lockdown was the “pause button” governments hit at the start of the pandemic to shore up health infrastructure. “Now, with that infrastructure ready, a lockdown is not the answer. After a year of the pandemic, focus is on stopping the spread in clusters.”
In fact, many public health experts have said the recent surge in some parts of the state was caused by large crowds that had gathered for the gram panchayat elections and weddings. The experts added that widespread curbs, when rules are being ignored, are of no use at all.
Scientists have said that people dropping masks and distancing rules remain the biggest hurdle to containment. Evidence is growing that facial covers can stop the spread of droplets from the mouth. An experiment using high-speed video found that hundreds of droplets ranging from 20 to 500 micrometers were generated when saying a simple phrase, but that nearly all these droplets were blocked when the mouth was covered by a damp washcloth.
Real-world research too has found that masks come with immense benefits.
The doctors who charge less than what a cup of tea costs
The doctors who charge less than what a cup of tea costs
In a country where people fear medical bills more than the illness, a bunch of doctors is treating patients for just a token fee
Mumbai’s one-rupee clinics even help passengers deliver babies
Sharmila.Ganesan@timesgroup.com
Low-cost clinics have been set up near railway stations by Dr Rahul Ghule
On Independence Day last year, when Covid-19 was at its peak, Dr Vishal Wani, an “Ayush doctor” attached to one of Mumbai’s 25 railway-station-adjacent ‘one-rupee clinics’, was having lunch when he got an emergency call from the station manager about a “seven or eight month” pregnant woman in a Delhi-bound train with “severe stomach ache”. Suspecting labour pains, Wani had called gynaecologists who shrivelled away from the scene for fear of infection with the result that he found himself sitting on the bloodsoaked floor of the waiting room of Panvel railway station in Navi Mumbai with neither gloves nor mask delivering a baby girl.
To rewind a bit though, even without the compulsions of emergency deliveries, daily city life throws enough drama his way. Diabetes patients have flopped down unconscious right in front of the dispensary, after panting down the stairs of the escalator-free station. Some people have stepped in with dead scorpions in their hand as proof of the ticketless traveller that just bit them in the long-distance train. On various occasions, Wani has even entered crowded trains to check the BP of palpitating heart patients. And there was even the October night of 2019 when a private hospital nearby refused to admit a pregnant woman whose haemoglobin was low and Wani had to help her deliver on a platform bench.
Wani works for a private organisation that runs these one-rupee clinics across the city. Helmed by Dr Rahul Ghule, who dreamed up the affordable healthcare model when he was working as a medical officer at J J Hospital in Mumbai, the organisation has treated over 2 lakh patients so far.
The clinics were born after fate disrupted his life in 2014. “My parents met with a road accident but there was no hospital on the highway. My mother suffered a brain haemorrhage. She was unable to speak or move for nine months,” recalls Ghule, who decided to use his shock as fuel to apply for a loan of Rs 25 lakh to open charitable clinics that charged a token fee of one rupee at Mumbai’s railway stations, where around 10 people die every day in accidents.
Through subsidised diagnostic tests, including 300-rupee lipid profiles, 50-rupee glucose tests and cheaper MRIS, CT scans, and pharmacies, his clinics not only sustain themselves but also attract the ire of neighbourhood physicians who feel compelled by competition to lower their price. “The reality of the medical field is that 40% of the diagnostic fee goes to doctors as referral kickbacks,” says Ghule, not excluding himself. His real commission, though, he says, is “immense satisfaction” even though some patients don’t even pay the token fee, while some return to pay with interest. In fact, often, homeopath Wani’s friends wonder why he puts himself through such grave ordeals as pulling a baby out in the middle of a pandemic while working at a clinic in which the “fee costs less than the prescription sheet”. His reply is simple: “I enjoy it.”
Kolkata’s Ek-Takar doctor stayed open even in the pandemic
Sumati.Yengkhom@timesgroup.com
Sushovan Banerjee says that for his own expenses, he relies on his UK savings
At 82 and battling a kidney ailment, Dr Sushovan Banerjee continues to tend to poor patients in and around Bolpur with the same fervour for the past 58 years, charging only one rupee as his fee since his return from the UK. Popularly known as ‘Ek Takar Doctor’ (one-rupee doctor), the Padma Shri awardee says he will go on serving poor patients as long as he can. “I draw my energy from tending to these poor patients,” he says.
An MBBS graduate from R G Kar Medical College, and a gold medallist in pathology from Calcutta University, Banerjee could have settled in London comfortably, where he worked as a senior registrar in a hospital after completing his diploma in haematology. But he chose to return to his roots in 1963 and opened his one rupee clinic. “My patients should not feel that they are taking an obligation from me. That is why I charge a token amount. I lead a simple life and the sum that I had saved during my stint in the UK, which I have kept as fixed deposit, is enough for my expenses,” says the octogenarian, whose clinic opens at 9am sharp every day even though he undergoes dialysis twice a week. On those two days, he shows up at the clinic after returning from the hospital and attends to around 30 patients as opposed to the daily average of 100.
Even during the lockdown, Banerjee had kept his clinic open on all days. In fact he got numerous patients with Covid-19 symptoms who were advised immediate testing. Many of them tested positive but he was fortunate to stay healthy. “My daughter and son-in-law (both doctors) were concerned because of my age. But I didn’t want to shut the doors on my patients.”
Ranchi doctor saab has been charging a fiver for fifty years
Jaideep.Deogharia@timesgroup.com
The only time Dr S P Mukherjee hiked fees is during the pandemic
In the heart of Ranchi’s busy Lalpur square, a small old-time building distracts because of the large queue standing outside. The interior is also packed with patients waiting for a sharply-dressed octogenarian doctor about whom the prosperous tea seller nearby says in gratitude: “Doctor saab charges less than me.”
Padma Shri Dr S P Mukherjee, who charges patients Rs 5 per consultation, does not remember any single trigger that prompted him to start his charitable service back in 1957. However, the doctor — who never increased his fee in the last 50 years he has been consulting — admits that the pandemic forced him to increase his fee recently to Rs 50 so that he could sanitise his chamber, and offer hand sanitisers and face masks to the patients. “For those who cannot pay, my consultation and medicines are for free,” says the doctor who thanks his stars for being safe from infection “even after seeing 50 patients every day.”
Has he come across patients with the dreaded virus during the last one year? “Dozens. I advised them to get tested. I have also got patients who came with other complaints after being cured of Covid-19 and got treated here. We cannot shy away from any disease when people are suffering,” says Mukherjee.
He was once asked by Amitabh Bachchan on the show Kaun Banega Crorepati whether his friends ever objected to his low fee. Mukherjee deflected the question by asking all doctors to treat at least one patient daily for free.
Farmer in the morning, skin doctor by day
Milton.lawrence@timesgroup.com
S C Shankregowda
of Mandya
When Vinutha, a Mandya health worker, got a skin problem she decided to step into the ever-crowded home of the famous local ‘fiverupee-doctor’ S C Shankregowda, the one whose “magical” hands work the fields in the morning and prescribe skin medicines during the rest of the day. A week later, when her face cleared up, Vinutha realised that it wasn’t just the nominal fee that drives around 300 people towards the fiverupee doctor every day.
Whether he is tilling the farmland in a lungi or walking on the streets with his family, Shankregowda — who even contested the Assembly polls in the ‘sugar district’ of Mandya as an independent candidate — commands instant respect among the people of Bandi Gowda Layout. They join their hands and say ‘namaste doctor’ when they see him and trust him with everything from itching sensations to sexual health issues.
It has been 38 years since Shankregowda, an alumnus of Kasturba Medical college, Manipal, opened his five-rupee clinic in Mandya soon after his diploma in 1982. Unlike others, he hears the problems of patients in groups — men and women separately — and prescribes low-cost medicines. He runs a clinic without assistants and never handles money. Patients simply place the consultation fee of Rs 5 on the table or don’t.
Odisha patients save money, time
Ashok.Pradhan@timesgroup.com
Shankar Ramchandani has a full-time job at the medical college but he takes out time in the mornings and evenings for destitute patients
Even though Odisha’s Sambalpur city has a government-run college called Veer Surendra Sai Institute of Medical Sciences and Research (VIMSAR) that offers completely free treatment, 38-year-old Shankar Ramchandani’s newly-born ‘onerupee’ clinic is doing rather well for various reasons. “If I go to VIMSAR, it will almost be a one-day affair because of the queues. I will lose my entire day’s earnings of around Rs 200. But I can just walk into Ramchandani sir’s clinic after work,” says Bishnu Goura, a 68-year-old rickshaw puller who visited the clinic last week for his knee pain.
Ramchandani works in VIMSAR as an assistant professor. He runs the clinic for an hour before and an hour after his duty in the medical college. “It runs well beyond 8pm most of the days since it is difficult to see 30 to 40 patients in an hour,” says Ramchandani, whose late father Brahmanand wanted him to set up a nursing home and serve the poor. “But since setting up a nursing home requires a lot of investment, I decided to open a clinic instead,” he says, adding that even Rs 10 is a big amount for the poor, destitute, elderly, differently-abled and underprivileged patients he attends to.
“The destitute tend to be apprehensive of big hospitals. They easily walk in here,” says Ramchandani, who had earlier drawn media attention when he carried a leprosy patient in his arms and dropped him in his house in 2019. He also shifted a Covid-19 patient to VIMSAR in his own car in October without worrying about the virus.
Ramchandani — whose wife Sikha Ramchandani, a dental surgeon, also helps out — hopes to start a mobile medical unit to take medical care to inaccessible places one day. Till then, he’s happy making treatment accessible to the poor.
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