Monthly Archives: April 2021


French movie “Subway” (1985) directed by Luc Besson and starring Isabelle Adjani, Christopher Lambert among others.

Fred (Christopher Lambert) stole something from the house of Helena (Isabelle Adjani) the wife of a rich industrialist, when she unwittingly invited him to a party after he opened the car door for her in a busy Paris street. What follows is the pursuit of those items, half of which were returned and half of which are still subject to ransom.

In the meanwhile Fred discovers a life in the subway with several people spending their entire lives amidst that filth and squalor. He has a life dream to form a music band, which he slowly starts forming with a rag tag band of musicians all plying their wares down under in the metro station.

Helena is also fed up of the rich bourgeois life being the wife of a rich industrialist and starts feeling some fondness for Fred.

Its a badly made movie, totally boring with nothing to interest the viewers apart from the beauty of Isabelle Adjani.

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import of oxygen concentrators

DGFT has allowed import of oxygen concentrators for personal use through post, courier or e-commerce portals has been permitted where customs clearance is sought as gifts, till 31st July, 2021. Notification follows:

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A kind of psycho thriller historical fiction, horror Malayalam movie “Manichithrathazu” (1993) starring Mohanlal, Shobana, Suresh Gopi among others.

Suresh Gopi (Nakulan) and Shobana (Ganga/ Nagavalli) are a couple and they come to their ancestral house in Kerala. That house is supposedly haunted by some previous lady who had a bad childhood and who was refused in hand by the landlord of that place who was smitten by her.

Fast forward to the present day, the spirit has supposedly entered into the hearts of somebody in Shobana/ Suresh Gopi household and strange things start happening from time to time. Enters Mohanlal who is a psychiatrist but also a ghost buster and has a world wide name and fame.

The script and dialogues are good and so is the direction, cinematography and music by M.G. Radhakrishnan is excellent. Shobana has played out of her skin – a brilliant bravura performance that rightly earned her the best actress national award.

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insolvency professionals

IBBI has vide its notification dated 27th April, 2021 amended the IBBI (Insolvency Professionals) Regulations 2016 as under:

  1. For the financial year 2020-21 and insolvency professional can pay his professional to IBBI by 30th June, 2021. Earlier it was to be paid by 30th April, 2021;
  2. When an individual resigns or joins an insolvency professional entity as a director or partner then the entity is now required to inform IBBI of the same within 30 days of such appointment/ resignation. Earlier the period was 7 days.
  3. The time limit for an insolvency professional entity to pay its annual fee to the Board for the financial year 2020-21 is 30th June, 2021, earlier it was 30th April, 2021.

These relaxations have been given in view of the ongoing covid pandemic raging through the country.

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aadhar based e-nomination

In order to facilitate EPF subscribers, EPFO has launched one more e-initiative i.e., Aadhaar based e – nomination. The physical filing of nomination is done through submission of ‘Form 2(Revised)’, now with the launch of e-nomination facility, members themselves can file their nomination online, using this e-Nomination facility available in member portal.

The URL is

This facility can be availed by EPF Members if their mobile number is linked with UAN and the Aadhaar verification is also complete. The registration process is quite user friendly and all members are advised to file their e-nomination at the earliest. A readily available e-nomination in the system enables members/ beneficiaries to easily file online Pension Claim and in the event of the demise to the member his/her nominee will be able to file an online claim based on the OTP on his/her Aadhaar Linked Mobile. One doesn’t need to apply with any physical document to the employer or ex-employer after the online nomination is done.

All EPF Members are advised to file their e-NOMINATION at Member Interface of Unified Portal immediately. Further all EPF members are also advised to get basic KYC like Aadhaar and Bank account seeded to their UAN, so that they can avail online services from EPFO. Avoid physically filing a claim before Employer or to the EPF office during this COVID pandemic. Avoid physically coming to EPF office, instead make use of various online services provided by the Department.

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Apur Sansar

Satyajit Ray’s magnum opus The Apu Trilogy of which Apur Sansar is the final part.

The movie starts with Apu (Soumitra Chatterjee) an unemployed youth having studied upto intermediate, does not find a job anywhere in Calcutta. He gets by giving private tuitions. One day his friend Pulu (Swapan Mukherjee) lands up at his house and asks him to accompany him to his cousin’s wedding in Khulna.

Out there tragedy occurs when the bridegroom turns out to a mad person and as per tradition if the bride Aparna (Sharmila Tagore) does not marry within the auspicious hour, then she has to remain unmarried her whole life. Apu comes to the rescue and marries her.

They have nice love life going on, when she has to return to her village for her delivery. She dies giving birth to a boy which shatters the life of Apu. It is from here that Satyajit Ray degrades the character from a happy go lucky loving smiling young man to a melancholy, depressed, anguished person ready to throw away all advantages. Its so brilliantly done which is the hallmark of Ray in most of his movies. He did that in Mahanagar and Nayak also.

Soumitra Chatterjee has given the performance of his lifetime, probably one of his best ever. I am surprised that he did not win any award for this movie. Its an extraordinary acting performance by Soumitra. Sharmila looks stunningly beautiful as the young bride with her dimpled smile, she is gorgeous in the movie.

The movie had to take an unnatural end with her premature death in the movie. In Pather Panchali also, young Durga dies leaving her parents disconsolate and here the same happens to Apu. Music by Ravi Shankar is very good as is the camera work, cinematography, direction by Satyajit Ray. Brilliant series. I am yet to watch the middle movie in the series, though.

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Mirza Ghalib

Award winning bio pic of Mirza Ghalib (1954) directed by Sohrab Modi and starring Bharat Bhushan, Suraiya, Nigar Sultana among others.

It depicts one part of his life when Mirza Ghalib (Bharat Bhushan) falls in love with Chaudhvin Begum (Suraiya) who is smitten with the poet. But her family have their own problems including poverty. Mirza has his own problems which is also debt and he is already married to Umrao Begum (Nigar Sultana) but who is childless.

Whole lot of darbar politics in the court of king Bahadur Shah Zafar, Mirza is arrested for gambling and there is whole lot of misunderstanding between the love of Mirza to Chaudvin Begum. Meanwhile Umrao Begum is pining for children at the background and silently crying at the romance between Mirza and Chaudvin Begum.

The dialogues are mostly in Urdu, very chaste, very rich. Suraiya looks beautiful in the movie and has acted magnificently as the jilted lover. Am surprised that she has not got any award for her performance in the film. Songs are all very rich sung by Mohammad Rafi, Talat Mahmood and Suraiya herself.

This is kind of a cult film, must watch for all ages. I hope they digitally enhance this movie to provide some rich colour to the prints.

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reporting formats for mutual funds

SEBI circular dated 12th April, 2021 wherein they have revised the reporting format for mutual funds. Read on.

A. Pursuant to regulatory revamp exercise of SEBI (Mutual Funds) Regulations, 1996 (hereinafter called as “MF Regulations”) and various circulars issued thereunder, a circular no. SEBI/HO/IMD/DF2/CIR/P/2021/024 dated March 04, 2021 has been issued. Further, based on the consultation with industry the formats for the following reports i.e. reports to be submitted by AMCs to Trustees, by AMCs to SEBI and by Trustees to SEBI have been reviewed and
revised as under:

  1. Reporting by AMCs to Trustees
    1.1.Bi-monthly Compliance Certificate (BCC)
    In partial modification to the SEBI circular No. MFD/CIR/09/014/2000 dated January 5, 2000, the Compliance Certificate to be submitted by the AMC to the Trustees on a Bi-monthly basis shall be discontinued.
    1.2.Half yearly Compliance Certificate (HYCC) by AMC to Trustees
    In partial modification to the SEBI circular No. MFD/CIR/09/014/2000 dated January 5, 2000, the Compliance Certificate to be submitted by the AMC to the Trustees on an half yearly basis shall be discontinued. The contents of both BCC and HYCC have been suitably incorporated in the Quarterly Report by AMC to Trustees.
    1.3.Quarterly Report by AMC to Trustees (QR)
    The AMC shall submit QR to the trustees, as required in sub-regulation (4) of Regulation 25 of MF Regulations, on its activities and the compliance with MF Regulations and various circulars issued thereunder. The format of QR is prescribed at Annexure I. The same shall be submitted by AMC to Trustees by 21st calendar day of succeeding month for the quarters ending March, June, September and December.
  2. Reporting by AMCs to SEBI
    2.1.Compliance Test Report by AMC to SEBI (CTR)

    To synchronize the frequency of submission of the CTR and QR, SEBI circulars No. MFD/CIR/5/360/2000 dated July 4, 2000, SEBI/ IMD/CIR No. 11 /36222/2005 dated March 16, 2005 and SEBI/IMD/CIR NO 6/98057/07 dated July 5, 2007 have been modified to the extent that, instead of exceptional reporting, complete CTR shall be submitted by
    AMC to SEBI on a quarterly basis, by 21st calendar day of succeeding month for the quarters ending March, June, September and December. The revised format of CTR is prescribed at Annexure II.
  3. Reporting by Trustees to SEBI
    3.1.Half Yearly Trustee Report by Trustees to SEBI (HYTR)
    a) In partial modification to the SEBI circular No. MFD/CIR/09/014/2000 dated January 5, 2000, the HYTR containing the broad coverage of report of trustees to SEBI has been revised & prescribed at Annexure III.
    b) Trustees, shall submit corrective steps taken with respect to the noncompliance reported in the HYTR.
    c) Trustees shall continue to submit HYTR for the half year ending September and March within two month from the end of the half year.
    B. Applicability
  4. For QR and CTR reports, the circular shall come into effect for reporting from the quarter ending June, 2021;
  5. For HYTR report, the circular shall come into effect for reporting from the halfyear ended March, 2021;
  6. BCC and HYCC shall be discontinued subsequent to the effective date of the QR report as mentioned at paragraph B(1) above.

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governance structure in banks

RBI circular dated 26th April, 2021 laying down the governance structure in private sector banks including small finance banks.

Corporate Governance in Banks –
Appointment of Directors and Constitution of Committees of the Board

A Discussion Paper on ‘Governance in Commercial Banks in India’ was issued by the Reserve Bank on June 11, 2020 to review the framework for governance in the commercial banks. Based on the feedback received, a comprehensive review of the framework has been done, and a Master Direction on Governance will be issued in due course. In order to address a few operative aspects received through such feedback, it has been decided to issue instructions with regard to the Chair and meetings of the board, composition of certain committees of the board, age, tenure and remuneration of directors, and appointment of the whole-time directors (WTDs).


2. The revised instructions would be applicable to all the Private Sector Banks including Small Finance Banks (SFBs) and wholly owned subsidiaries of Foreign Banks. In respect of State Bank of India and Nationalised Banks, these guidelines would apply to the extent the stipulations are not inconsistent with provisions of specific statutes applicable to these banks or instructions issued under the statutes. The contents of this circular must be read along with other relevant governing statutes and shall be applicable notwithstanding anything to the contrary contained in the licensing conditions, notifications, directions, regulations, guidelines, instructions, etc., issued by the Reserve Bank before the issue of this circular. The circular will not be applicable in the case of foreign banks operating as branches in India. The applicability to other commercial banks viz., Local Area Banks, Payments Banks and Regional Rural Banks will be notified separately.

Chair and meetings of the Board

3. The Chair of the board shall be an independent director. In the absence of the Chair of the board, the meetings of the board shall be chaired by an independent director. The quorum for the board meetings shall be one-third of the total strength of the board or three directors, whichever is higher. At least half of the directors attending the meetings of the board shall be independent directors.

Committees of the Board

(a) Audit Committee of the Board (ACB)

4. The ACB shall be constituted with only non-executive directors (NEDs). The Chair of the board shall not be a member of the ACB. The ACB shall meet with a quorum of three members. At least two-thirds of the members attending the meeting of the ACB shall be independent directors1. The ACB shall meet at least once in a quarter. The meetings of the ACB shall be chaired by an independent director who shall not chair any other committee of the Board. The Chair of the ACB shall not be a member of any committee of the board which has a mandate of sanctioning credit exposures. All members should have the ability to understand all financial statements as well as the notes/ reports attached thereto and at least one member shall have requisite professional expertise/ qualification in financial accounting or financial management [e.g., experience in application of accounting standards and practices, including internal controls around it].

(b) Risk Management Committee of the Board (RMCB)

5. The board shall constitute an RMCB with a majority of NEDs. The RMCB shall meet with a quorum of three members. At least half of the members attending the meeting of the RMCB shall be independent directors of which at least one member shall have professional expertise/ qualification in risk management2. Meetings of RMCB shall be chaired by an independent director who shall not be a Chair of the board or any other committee of the board. The Chair of the board may be a member of the RMCB only if he/she has the requisite risk management expertise. The RMCB shall meet at least once in each quarter.

(c) Nomination and Remuneration Committee (NRC)

6. The board shall constitute an NRC made up of only NEDs. The NRC shall meet with a quorum of three members. At least half of the members attending the meeting of the NRC shall be independent directors, of which one shall be a member of the RMCB. The meetings of the NRC shall be chaired by an independent director. The Chair of the board shall not chair the NRC. The meeting of NRC may be held as and when required3.

Age and tenure of NEDs

7. The upper age limit for NEDs, including the Chair of the board, shall be 75 years and after attaining the age of 75 years no person can continue in these positions4.

8. The total tenure of an NED, continuously or otherwise, on the board of a bank, shall not exceed eight years. After completing eight years on the board of a bank the person may be considered for re-appointment only after a minimum gap of three years.5 This will not preclude him/her from being appointed as a director in another bank subject to meeting the requirements.

Remuneration of NEDs

9. In addition to sitting fees and expenses related to attending meetings of the board and its committees as per extant statutory norms/ practices, the bank may provide for payment of compensation to NEDs in the form of a fixed remuneration commensurate with an individual director’s responsibilities and demands on time and which are considered sufficient to attract qualified competent individuals. However, such fixed remuneration for an NED, other than the Chair of the board, shall not exceed ₹20 lakh per annum6.

Tenure of MD&CEO and WTDs

10. Subject to the statutory approvals required from time to time, the post of the MD&CEO or WTD cannot be held by the same incumbent for more than 15 years. Thereafter, the individual will be eligible for re-appointment as MD&CEO or WTD in the same bank, if considered necessary and desirable by the board, after a minimum gap of three years, subject to meeting other conditions. During this three-year cooling period, the individual shall not be appointed or associated with the bank or its group entities in any capacity, either directly or indirectly.

11. It is clarified that the extant instructions on upper age limit for MD&CEO and WTDs in the private sector banks would continue and no person can continue as MD&CEO or WTD beyond the age of 70 years. Within the overall limit of 70 years, as part of their internal policy, individual bank’s Boards are free to prescribe a lower retirement age for the WTDs, including the MD&CEO.

12. MD&CEO or WTD who is also a promoter/ major shareholder, cannot hold these posts for more than 12 years. However, in extraordinary circumstances, at the sole discretion of the Reserve Bank such MD&CEO or WTDs may be allowed to continue up to 15 years. While examining the matter of re-appointment of such MD&CEOs or WTDs within the 12/15 years period, the level of progress and adherence to the milestones for dilution of promoters’ shareholding in the bank shall also be factored in by the Reserve Bank.

Transition Arrangement

13. While the instructions shall come into effect from the date of issue of this circular, in order to enable smooth transition to the revised requirements, banks are permitted to comply with these instructions latest by October 01, 2021. Specifically:

(i) The Chair of board who is not an independent director on the date of issue of this circular shall be allowed to complete the current term as Chair as already approved by the Reserve Bank.

(ii) Banks with MD&CEOs or WTDs who have already completed 12/15 years as MD&CEO or WTD, on the date these instructions coming to effect, shall be allowed to complete their current term as already approved by the Reserve Bank.

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helpdesk for trade – covid

Central Board of Indirect Taxes and Customs (CBIC) has set up dedicated helpdesk to handle queries related to Covid related Imports and handhold the trade, industry and individuals  for expeditious customs clearance. As you are aware, the Government of India is committed to ensure seamless and quick customs clearance of COVID related imports, so that it reaches the users/beneficiaries in time.

Queries and requests are being received by the Department from various quarters. These relate to availability of duty exemption benefits,   to clearance procedures, registration requirements from various ministries etc. In order to streamline this  process and cater to all the queries and grievances of the trade, a dedicated cell I has been  set up by the CBIC.

To handhold the trade relating to clearances, an online form has been created under this URL ( to seek details in a structured format and redress the grievances,at the earliest. For general queries, the users may send an email through or call up toll free number 1800-3010-1000. The requests being received at Helpdesk  will  be closely monitored for early resolution.

Further, to resolve the grievances at the local level,  zonal level nodal officers have also been nominated and this list can be found in the following URL (

Shri Gaurav Masaldan, Joint Secretary, Customs will be the nodal officer in the CBIC for  appropriate  resolution of grievances and expeditious clearances of goods, relating to Covid related equipment and raw materials, especially oxygen and oxygen related equipment   In case of non- resolution of grievances through the helpdesk or zonal officers, the same may be escalated by way of a self-explanatory SMS or Whatsapp on his number : 9810619628 or email: .

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covid helpdesk for international trade

Department of Commerce, Government of India and Directorate General of Foreign Trade(DGFT) have undertaken to monitor the status of exports and imports, and difficulties being faced by trade stakeholders in view of the surge of COVID-19 cases. DGFT has accordingly operationalised a ‘COVID-19 Helpdesk’ to support and seek suitable resolutions to issues arising in respect of International Trade.

 This ‘COVID-19 Helpdesk’ would look into issues relating to Department of Commerce/DGFT, Import and Export Licensing Issues, Customs clearance delays and complexities arising thereon, Import/Export documentation issues, Banking matters etc. Helpdesk would also collect and collate trade related issues concerning other Ministries/Departments/Agencies of Central Government and State Governments and will co-ordinate to seek their support and provide possible resolution(s).

All stakeholders, particularly the Exporters and Importers, may submit information on the DGFT website and submit information relating to their issues on which support is required using the following steps—

  1. Navigate to the DGFT Website (           Services           DGFT             Helpdesk Service
  2.  ‘Create New Request’ and select the Category as ‘Covid-19′
  3.  Select the suitable sub-category, enter the other relevant details and submit.

Alternatively, One can send their issues to email id: with the subject header: Covid-19 Helpdesk or call at Toll Free No 1800-111-550

The status of resolutions and feedback may be tracked using the Status tracker under the DGFT Helpdesk Services. Email and SMS would also be sent as and when the status of these tickets are updated.

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securities market relaxations – covid

SEBI circular dated 22nd April, 2021 giving certain relaxations in compliances due to ongoing covid pandemic. Read on.

  1. SEBI vide Circular no. SEBI/HO/CFD/DIL2/CIR/P/2020/78 dated May 6, 2020, granted one time relaxations from strict enforcement of certain regulations of SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, pertaining to Rights Issue opening upto July 31, 2020.
  2. Based on the representations received from the market participants, the validity of these relaxations was further extended for Rights Issues opening up to December 31, 2020, vide SEBI Circular No. SEBI/ HO/ CFD/ DIL1/ CIR/ P/ 2020/136 dated July 24, 2020.
  3. The relaxation mentioned in point (iv) of the SEBI Circular No. SEBI/HO/CFD/DIL2/CIR/P/2020/78 dated May 6, 2020, was further extended for Rights Issues opening up to March 31, 2021, vide SEBI Circular No. SEBI/ HO/ CFD/ DIL1/ CIR/ P/2021/13 dated January 19, 2021.
  4. To ease and facilitate investors, the relaxation mentioned in point (iv) of the SEBI Circular No. SEBI/ HO/ CFD/ DIL2/ CIR/ P/2020/78 dated May 6, 2020, is further extended and shall be applicable for Rights Issues opening up to September 30, 2021, provided that the issuer along with the Lead Manager(s) shall continue to comply with point (v) of the SEBI Circular No. SEBI/HO/CFD/DIL2/CIR/P/2020/78 dated May 06, 2020.
  5. In respect to mechanism and compliance requirements at point (iv) and (v) of the SEBI Circular No. SEBI/ HO/ CFD/ DIL2/ CIR/P/2020/78 dated May 6, 2020, the issuer along with Lead Manager(s), Registrar, and other recognized intermediaries (as incorporated in the mechanism) shall also ensure the following:
    a. Refund for un-allotted / partial allotted application shall be completed on or before T+1 day (T: Basis of allotment day).
    b. Registrar to the issue, shall ensure that all data with respect to refund instructions is error free to avoid any technical rejections. Further, in case of any technical rejection of refund instruction, same shall be addressed promptly.

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health insurance claims – covid

IRDAI circular dated 23rd april, 2021 advising health insurance companies to honour cashless covid claims.

1.  There are reports of certain network providers (hospitals) charging high rates and insisting on cash payments from the policyholders for providing treatment to COVID-19 infected patients despite having cashless arrangement with Insurers.

2.  In compliance with the provisions of Regulation 31of IRDAI ( Health Insurance ) Regulations, 2016, the Insurers, in case of “cashless claim” under a health insurance policy, are advised to ensure expeditious settlement of such claims on cashless basis in accordance to the Service Level Agreements ( SLAs) entered with hospitals.

3.  While reviewing cashless requests the Insurers are also advised to ensure that the policyholders are charged as per the rates agreed to by network providers wherever applicable. Insurers are also advised to ensure that hospitals do not levy any additional charges for the same treatment other than those rates that are agreed with the insurers.

4.  In order to ensure that all network providers extend cashless services to policyholders and to address any issues causing inconvenience to policyholders while availing cashless service, the Insurers are advised to put in place an effective communication channel with all the network providers for prompt resolution of grievances of policyholders. Insurers are advised to report levying of excess charges or denial of cashless facility to the respective State Governments for appropriate action.

5.  All Insurers are directed to ensure that the “reimbursement claims “under a health insurance policy shall be settled as per the terms and conditions of the respective policy contract expeditiously. Insurers are advised to issue suitable guidelines on this to all TPAs.

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ports waive charges for covid related cargo

In view of the excessive requirement of Oxygen and related equipment in the country, the Government  of India has directed all Major Ports, including the Kamarajar Port Limited, to waive-off all charges levied by Major Port Trusts (including vessel related charges, storage charges etc.) and accord highest priority in the berthing sequence to the vessels carrying consignments of ;

  • Medical Grade Oxygen,
  • Oxygen Tanks,
  • Oxygen Bottles,
  • Portable Oxygen Generators,
  • Oxygen Concentrators,
  • Steel Pipes for manufacturing Oxygen Cylinders and associated equipment for the next THREE months, or until further orders.

Port Chairpersons have been asked to personally supervise logistic operations to ensure unhindered movement of such consignments for berthing of such vessel on top priority in the port, unloading of oxygen related cargo, coordination with Customs and other authorities for speedy clearance/documentation and expeditious evacuation of oxygen related cargo from port.

In case the vessel is carrying other cargo/containers in addition to above said oxygen related cargo, waiver of charges on pro-rata basis, considering the overall cargo or containers handled at port, should be provided for oxygen related cargo to such vessels.

Ministry of Ports, Shipping and Waterways will monitor the details of such vessels, cargo and time taken in the port from the time vessel entered in the port limits to exit of cargo from port gate.

Government of India  is deeply engaged in handling the crisis related to the second wave of COVID-19 in the country and taking all steps to counter the situation through appropriate and innovative measures.

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The Devil’s Feather

SPOILER ALERT: This is one incoherent rambling by the narrator who is a war correspondent with Reuters and suspects serial killings by a British contractor MacKenzie on women in Sierra Leone. She encounters the same person with another name in Baghdad and there were a couple or more of such killings of women in Iraq.

Connie Burns digs deep into this man’s antecedents and lands in trouble, she is abducted and held captive for 3 days but we are told about it in bits and pieces. Connie then retreats back to England, does not give the mandatory press conference, goes into hiding using her mother’s name and rents a house somewhere in rural England.

There she encounters like a crazy neighbour hood with Jess Derbyshire and a doctor and there is like a very complex web of stories around them. It goes back to three generations involving the landlord of the house, her daughter Madeleine, her painter husband. The narrative is terrible, it just goes on and on at odds and ends, half of which the reader does not understand.

The Baghdad / Sierra Leone serial killer comes back to her rural England house and again holds all three of them captive, he gets injured in the ensuing fight and disappears. Then the police keeps on questioning Connie on the whereabouts of MacKenzie suspecting her to have killed him and buried his body somewhere. Finally the misery ends. My first one by Minnette Walters and i am deeply disappointed. Goodreads 1/5

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