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Black Money Analysis by An Astrologer

November 13, 2016


Many people have put many objections to current demonetisation drive of government . People are finding fault in this schemes and say it could have been implemented in a better way but nobody tells the better way . There could be no better way than this because of reasons given below :

They have put following questions and I would try to answer them as per my ability and knowledge and mind it I am not member of any political party .

1. Why the time was not given for public to brace for such problem ?

Top secrecy is the answer and perhaps except PM and RBI governor , finance secretary , nobody was informed till last day of announcement . Preparations were going on for last many months , before announcement of Voluntary disclosure scheme and tone of this scheme was quite threatening but people refused to listen .

Any little notice could be misused , as is evident that even 4 hours on 8 November were highly misused by black money holders .

2. Why 500 and 2k notes are being released ?

The way this surgical strike has happened on high denomination notes , not many black money holders will keep high denomination notes as permanent asset in safes . Rather these notes should be in high circulation like a counterfeit note . Printing and circulating high denomination notes is economic and easy for govt .

Govt plans to come out with 5K and 10K notes also but people will be scared to take and use it for hoarding as these notes can be demonetised in future at short notice , and that will not affect common public . With rise of electronic banking , govt may next time ban these notes forever , so if some one keeps them as black money may lose all the money again .

3. Why this step was required by Govt ?

In last 12 years , there was a rise of welfare schemes like NAREGA , Kanya Dhan, free scholarship , mid day meals and hundreds of such schemes , where govt releases money through banks but more than 50% of this money was misused and got converted to black money and never returned to bank as deposit.

In last 10 years , banks released more than 15 lakh crore to Industrialists / businesses and that was used by industrialists and businesses to hoard blackmoney and then declare the business sick so banks lost money . They had no problem as the law was slack and nothing could be done against them . They could declare themselves as insolvent like Mallya and get away from punishment.

Then normal public ( about 40% of population ) was enjoying the BPL category benefit by enjoying subsidies , scholarships , various schemes , showing income less than 2000 per month . The poverty was not reducing officially despite big welfare schemes .

Even Jandhan yojna did not get any money in such accounts but Mr Modi had got them opened for the demonetisation scheme as now half of these accounts have got 49000 in each of them in 3 days .

Because of all these issues , banks became loss making . It was like drying up of Ocean because rivers did not flow back water .

They had no money to pay as deposit was shrinking and only service class was saving . Govt was forced to print more notes . Withdrawals in bank were more than deposits and fresh currency was printed to make banks running. So no money was available for lending and new economic activities , therefore, no employment growth was possible .

With one stroke of Jan Dhan , Voluntary disclosure , Demonetisation, now there is no way left for the businesses , industrialists or so called Gareeb public but to go to the bank and deposit whatever money they were hiding . Another option is to burn or destroy it .

If they burn or destroy , then currency in circulation is reduced and that is called as Deflation ( reverse of inflation ) , so value of Rupee will rise and govt can print more money ,without increasing price rise .

If they bring it to banks , it will be taxed and banks will regain their health and will be able to lend more money . Govt will have money for big schemes of railways and infrastructure.

4. What will be the good effects of this exercise ?

A. Banks will be now the only source of cash money , so everyone will have to approach them . They can lend now at lower interst rates as their cost of borrowing is only 4% of savings bank rate .

B. Businesses will have no cash or working capital so they will have to borrow the working and initial capital from bank on tough lending conditions . With change of law in lending this year , the borrower can be arrested and put in jail if they defaults in bank payment . Banks can insist on showing daily expenses in businesses to monitor their loan utilisation . Banks can force for electronic payment by businesses to labours and suppliers.

C. Those so called poor , who get 250,000 deposited in their Jan dhan account will be asked to declare their source of income . If money launderers gave it , then they may be caught and if it was their own then they don't deserve govt subsidy , they were enjoying so far . So suddenly many people will rise above poverty line without govt money expenditure and number of tax payers will rise .

D. Property business will become like stock market with 100% bank payment . There will be a Property Exchange like NSE , Stock Exchange , where you can see availability of property , its e-registration and possession certified and you can buy or sell property online in a day without any worry about price and quality . That will reduce rates of property and rentals . With regulatory authority for real estate in place , it is only a matter of a couple of years .

E) Normal public becomes too scared to try putting money in home beyond 30-40K and rest would be kept in bank . Use of mobile and e-cards will increase .

F ) Govt will no longer come with any tax relief scheme in future . It will be better to come with currency banning scheme every 5 years regularly as that will give better results . Cost of printing new notes is getting smaller with new technology , so spending 10000 crores in demonetisation , govt can get 1 lakh crore any time .

G) Banking , housing finance , e commerce will become profitable business and share price of these will rise soon .

H) PM has hinted that more such exercises are in pipe line . Most expected surgical strike is in reality market . Govt may come up with an order that all properties may be re-registered electronically at a single national porter with unique property ID like demat shares , with PAN card against each holder as in share and demat happens .

That will expose the multiple holders of property . The Benaami Act has already been passed in 2016 , so defaulters may be asked to declare it within 60 days and pay 50% fine or tax or get their property confiscated . Income tax deptt may call for source of money for buying property.

Shah Committee on Black money has asked govt to ban holding of cash more than 3 Lakh any where for any reason and make it illegal and that can be accepted by govt any time . So if any black money more than this amount is found it can be confiscated immediately .

" Earlier this year, the SIT had called for a complete ban on cash transactions above Rs. three lakh as well as setting a Rs. 15-lakh cap on cash holdings by individuals to prevent holding of unaccounted wealth in cash. "

Govt may also ask to furnish every one the physical gold holding and if more gold is found anytime that can also be confiscated .

I) It will surely change the way elections are fought , businesses are done , property sell and buy happens and every thing can become similar to what happens in developed countries like Singapore or USA over next 3-4 years .

J) Govt will get massive tax revenue because of all these exercises , which can be put in good schemes for infrastructure , roads, railways , airports etc .

K) Initially prices will rise everywhere because of govt taxation at every stage in income and GST for 4-5 yeasr but after that it wil stabilise .

L) There will be rise of heart attacks and stress related diseases because of increase in legal cases and notices sent to money bags in next year but after that it will reduce stress of people because of illegal works as businesses will become legal.

Astrologically , the exercise has happened at start of Saturn going to Sagittarius in January so , this will continue for next 3 years till 2019 . Interestingly Capricorn sign ( denoting VIP , famous and powerful persons ) will start now Shani Saadesati for 7.5 years for such persons and they have no choice but to reform themselves or get destroyed .

Read more here about Saturn entering Saadesati…/consequences-of-saturn-s-entry-into-s…

And effects of Moon Mahadasha for India ..

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