DRT  Legal  Solutions

(Debts Recovery Tribunal Legal Solutions) is an India based

Law Firm specializing in DRT, Securitisation, NCLT, Borrowers and Guarantors Solutions in Debts Recovery Tribunals,

Pioneers in Counter-claims and Damage Suits based on Law of Torts and Law of Damages 

Phones (India) - Mobile - +91-930-2103689, Off. & Res.- +91-731-4049358 and +91-731-3290201 

E-mail :- ramkishandrt@gmail.com  Web Site :- www.drtsolutions.com

Home│Contents│Products & Services│Frequently Asked Questions│Useful Legal Material│Useful Article-Borrowers│Useful Article-Guarantors│RBI Guidelines│Notes-Law of Torts│Notes-Damages│News & Views│MiniArticles-Letters to Editor│DRT Cases Handled by Us│Useful Interactions with Clients & Visitors│Securitisation Act-Comments│About Us-DRT Solutions│Update after last Release | Useful Tips for DRT Advocates|| 138 NI Act Cheque Dishonour Cognizance Acquittal | Our US Joint Venture with Anand Ahuja Associates | NCLT, National Company Law Tribunal, BIFR, SICA  |  Video Interview - BS Malik, Sr. Supreme Court Advocate│Legal Forum of India│Our Attorney Associates & Well Wishers│Success & Results of Our Guidance│DRT Orders in favour of Borrowers & Guarantors│NPA, Debt due, Rehabilitation of Sick SME Industries│Our Replies to Queries  on Current DRT Matters, Court Decisions etc.│Measure of damages & Calculations under Torts & Contracts│Video Interview - GC Garg, Ex-Senior Bank Official│Solar Healing, Yoga, Projector, Rebirth etc.│Swami Ramdev, Yoga Guru, Cure for All Diseases, Medical Science Revolution│Court Technologies IT Presentation Video Arguments│Archive│DRT Solutions Weekly Mail for Borrowers & Guarantors  │ All India DRT Conference 2011 at Indore│Article by Ram Kishan on Management & Technology in Indian Judiciary│SARFAESI Securitisation Securitization Actar SA NPA│DRT Judgments Favourable / Useful to Borrowers│OA Dismissal - Patna HC Judgment - SA Pending

Weekly Mails - 1-10  11-20  21-30  31-40  41-50  51-60  61-70  71-80 81-90 91-100 101-110 111-120 121-130 131-140 141-150 151-160 161-170 171-180 181-190 191-200 201-210 211-220 221-230 231-240 241-250 251-Latest Expert in:- DRT, Counterclaim, securitization, , debt recovery tribunal, NCLT, BIFR, IPR matters

(2) 2^nd All India DRT Conference – Highlights of the Program - PowerPoint Presentations and Articles on the Talks – Questions & Ansewers

The final program is being chalked out. The highlights are as under:-

(1)                The main objectives are short term and long term solutions to the problems faced by litigant Borrowers and Guarantors in DRTs, ADRTs, Civil Courts, Co-operative Courts, Arbitrators,  High Courts and Suprme Courts.

(2)                While short term solutions are being provided on day-to-day basis, the long term solutions will be tackled with series of PILs on various topics.

(3)                The speakers will cover all the above topics using uniform format for the PowerPoint Presentations. The Articles on the talk will be based on the various slides of the PowerPoint Presentations.

(4)                The Participants are requested to put down their questions on paper slips to be delivered just after conclusion of talks. The Answer session will be just after one hour during which the speakers will sort out the questions, combine the common questions and prepare the answers.

(5)                The entire proceedings will be video recorded. There will be a digital clock on the podium. The time shown will serve as the index. Hence any important point may be noted with reference to the time shown on the clock. This will be useful in searching the location on the DVDs.

(6)                The DVDs will be widely distributed to those who have not attended the conference. The DVDs will have the formats for the DVD Players, MP4 format for the Tablet PCs and audio for the i-pods.

(7)                A summary DVD giving the highlights in 5 minutes will be sent to eminent persons in Judiciary and Bar Association, eminent persons in business, trade and industry.

(8)                Hence the fall out effects of the Conference are wide and all pervading to the society.

(9)                Keeping all the above, the program is being chalked out.

(3) 2^nd All India DRT Conference – Suggestions, Questions and Querries invited by all those (participants as well as non-participants) who are concerned with the current as well as other problems from the present Judicial System

We are developing suitable model for Judicial Reforms using the platform of DRTs. The model will be implemented and shown in working condition in DRTs. Finallly it may serve the purpose for the Judicial Reform in other Courts and Tribunals.

In view of above, we request all concerned whether they are participants or non-participants to spare part of their valuable time to provide us suggestions, questions and queries. We shall try our best to provide solutions during the Conference. The DVDs will contain the proceedings so that the non-participants will find it as useful as attending the Conference.

(4) Why walk when you can fly – Soar beyond your fears

Mr. Firoz Poonawall has sent the following beautiful piece:-

Once there was a king who received a gift of two magnificent falcons
from Arabia. They were peregrine falcons, the most beautiful birds he
had ever seen. He gave the precious birds to his head falconer to be
trained.

Months passed and one day the head falconer informed the king that
though one of the falcons was flying majestically, soaring high in the
sky, the other bird had not moved from its branch since the day it had
arrived.

The king summoned healers and sorcerers from all the land to tend to
the falcon, but no one could make the bird fly. He presented the task
to the member of his court, but the next day, the king saw through the
palace window that the bird had still not moved from its perch. Having
tried everything else, the king thought to himself, "May be I need
someone more familiar with the countryside to understand the nature of
this problem." So he cried out to his court, "Go and get a farmer."

In the morning, the king was thrilled to see the falcon soaring high
above the palace gardens. He said to his court, "Bring me the doer of
this miracle."

The court quickly located the farmer, who came and stood before the
king. The king asked him, "How did you make the falcon fly?"

With his head bowed, the farmer said to the king, " It was very easy,
your highness. I simply cut the branch where the bird was sitting."

We are all made to fly -- to realize our incredible potential as human
beings. But instead of doing that, we sit on our branches, clinging to
the things that are familiar to us. The possibilities are endless, but
for most of us, they remain undiscovered. We conform to the familiar,
the comfortable, the mundane. So for the most part, our lives are
mediocre instead of exciting, thrilling and fulfilling.

So let us learn to destroy the branch of fear we cling to and
free ourselves to the glory of flight.

 

DRT Solutions Weekly Mail – 137^th Issue dated 24^th December ’10

(1) 2^nd All India DRT Conference – First List of Participants who have registered and are definite to attend the Conference – Unique Opportunity for Interactions with DRT Litigants from various parts of the Country - last date of payment extended to 31^st Dec. ’10

(a)    We are still receiving lot of queries about the extension of date of payment for participation in the DRT Conference. Hence the date of payment has been further extended to 31^st December ’10.

(b)    We have been quite specific about the goals and objectives of this Conference i.e. Defence of Borrowers and Guarantors in DRTs. Accordingly we have declined to several interested persons such as bankers, students, general advocates, real estate persons etc. We just don’t want to have a crowd. It’s an interaction among really interested persons to achieve positive results in a very opposing and hindering environment. Accordingly now we are releasing the first list of participants as under.

(c)    The following persons have registered and made all definite arrangements to attend the Conference. There are few more persons who are expected to attend. As soon as we receive their confirmation and details to attend the Conference, the same will be published in the Conference Update Mails. As may be seen from the list below, the participants are from wide disciplines viz. Industrialists, Businessmen, Advocates, ex-Bankers, FCA, Legal Advisor, Consultants etc. Some of them are from far off places like Belgaum, Kolkata, Salem and Vijaywada etc.  

(d)    If there is any mistake in the following particulars or if the name is missing, the person concerned may please inform the facts by mail to correct our records.

(2) Some of the Important Topics, Questions and Queries from the Participants – the same will be dealt with by the Experts in the DRT Conference 

We are receiving lot of important Topics, Questions and Queries from the participants to be dealt with by the experts in the Conference. Some of these are as under:-

(a)                Various problems of guarantors including discharge.

(b)                Safeguards in respect of proceedings u/s 14 of the Securitisation Act.

(c)                Specific problems of DRT Litigants in High Courts and Supreme Court.

(d)                Securitiisation and Arbitration under Co-operative Act.

(e)                Filing claim for loss and damaged in the Application u/s 17 of Securitisation Act.

(f)                  DRT proceedings, BIFR jurisdiction, winding up proceedings etc.- impact thereof.

(g)                Impact of simultaneous proceedings under DRT Act and Securitisation Act.

(h)                Legality of Deposit in DRAT in respect of interlocutory orders.

(i)                  Writ Petition relating to transfer of DRTs from Ministry of Finance to Ministry of Law.

(j)                  PIL Writ Petitions relating to DRT matters.

(k)                Execution after DRT Proceedings.

(l)                  Application of Modern Management and Latest Technologies in DRTs

We request the participants and readers of our weekly mail to send us their questions and queries so that the same are covered by the experts in the Conference. Suggestions are also invited.

(3) Holy Alphabet 

Mr. Firoz Poonawalla has sent the following beautiful piece:-

Although things are not perfect 
Because of trial or pain 
Continue in thanksgiving 
Do not begin to blame 
Even when the times are hard 
Fierce winds are bound to blow 
God is forever able 
Hold on to what you know 
Imagine life without His love 
J oy would cease to be 
Keep thanking Him for all the things 
Love imparts to thee 
Move out of "Camp Complaining" 
No weapon that is known 
On earth can yield the power 
Praise can do alone 
Quit looking at the future 
Redeem the time at hand 
Start every day with worship 
To "thank" is a command 
Until we see Him coming 
Victorious in the sky 
We'll run the race with gratitude 
X alting God most high 
Y es, there'll be good times and yes some will be bad, but.... 
Z ion waits in glory...where none are ever sad! 

DRT Solutions Weekly Mail – 136^th Issue dated 17^th December ’10

(1) 2^nd All India DRT Conference – Program – Most Useful Deliberations on Current DRT Topics 

(1) The tentative program of the Conference is as under. The speakers will deal with most current topics from the angle of practical utility for defence of borrowers and guarantors. It is an unique opportunity for the litigants and advocates to acquire immense valuable knowledge in a short period of one and half day.

(2) Questions and suggestions are invited from one and all so that the same are covered in the Conference.

(3) Those who have remitted the registration fee are requested to convey their mobile no and postal address again to update our records.

08.01.11 - Saturday

4 PM to 4:30 PM - Registration

4:15 PM to 4:45 PM - High Tea

5:00 PM to 5:10 PM - Welcome by Mr. T.R. Radhakrishnan. Ex-Senior Banker, Associate DRT Legal Solutions, Indore

5:15 PM to 6:15 PM - 'Major Problems in Defence in Securitisation Act' - A Talk by Mr. B.K. Dubey, Advocate & Associate DRT Legal Solutions, Indore

6:15 PM to 6:45 PM - Questions and Answers on Securitisation Act

7:00 PM to 8:00 PM - 'Importance of Production & Inspection of Bank Documents' A Talk by T.R. Radhakrishnan, Ex-Senior Banker, Associate DRT Legal Solutions, Indore

8:00 PM to 8:30 PM - Questions and Answers on Bank Documents

8:30 PM to 9:30 PM - Dinner

09.01.11 - Sunday

9 AM to 9:30 AM - Breakfast

9:45 AM to 10:45 AM - 'Counter-claim and Damages in DRT Defence' - A Talk by Ram Kishan

11:00 AM to 11:15 AM - Tea

11:00 AM to 11:30 AM - Questions and Answers on Counter-claim and Damages

11:30 AM to 12:30 PM - 'Secured Creditor Can Not Take Measures u/s 13(4) of Securitisation Act Against Guarantor' - A Talk by N.K. Sharma, ex-GM (Law), Associate, DRT Legal Solutions, Indore

12:30 PM to 1:00 PM - Questions and Answers on Securitisation Act & Guarantors

1:00 PM to 2:00 PM - Lunch

2:15 PM to 3:15 PM - 'Transcore and Natural Justice' A Talk by Mathews J. Nedumpara, Advocate, Mumbai

3:15 PM to 3:45 PM - Questions and Answers on Natural Justice

3:45 PM to 4:00 PM - Tea

4:00 PM to 5:00 PM - 'Public Interest Litigations' - A Talk by Satya Pal Anand, Famous PIL Expert, Indore

5:00 PM to 5:30 PM - Questions and Answers on PIL

5:30 PM - Presentation of Mementos, Vote of Thanks & Vande Mataram

(2) 2^nd All India DRT Conference – Certain Queries and Answers 

(1)    The Registration Fee does not include the Accomodation Expenses. The participants have to make their own arrangements for their one night stay on 08.10.11.

(2)    We  have drawn up the program in such a manner so that one can arrive comfortably in the morning of 08.01.11 i.e. Saturday, fix up his night stay and arrive at the venue i.e. Sayaji Hotels, Topaz Hall at 4 PM for Registration and High Tea. The Program will commence by 5 PM. The dinner will be at 8:30 PM.

(3)    The program on next day i.e. 09.01.11 will commence at 9 AM with breakfast, tea at 11 AM, Lunch at 1 PM and tea at 3:45 PM. The DRT Topics willl be over by 3:45 PM.

(4)    Those who desire to meet Mr. Ram Kishan may stay back and meet him on Monday i.e. 10.01.11 just after 11 AM. Prior appointment may be fixed on his mobile phone no 09302103689.

(5)    We are overwhelmed by the response from our clients and their advocates. Many of them had attended Chennai Conference in 2007, Indore Conference in 2008 apart from meeting us in between. Despite such interactions, they have been keen to attend the ensuing Conference on 8^th and 9^th January 2011. The repeat value of interest shows and confirms the value of such conferences exclusively in the field of DRT Defence.

(6)    Oue goal is to improve and modernize the Judical Function in DRTs so that such improvements provide a workable model for the Judiciary as a whole. Hence we request all our clients and their advocates to involve themselves fully, convey us their problems and suggestions on constant and continuous basis keeping their own interests as well as the interests of the society as a whole.

(3)   Things You Didn't Know About Coconuts

Mr. Himanshu Mehta, one of our clients from Mumbai has sent the following useful information:-

(4) Our Weekly Mails in form of a Printed Book:-

As informed we have received huge demand for a printed version of our weekly mails. Hence it has been decided to bring about a book with comprehensive commentary, good index along with a CD for easy search. We have started receiving enquiry and suggestions from the readers of our weekly mails as well as from the visitors of our web site.

DRT Solutions Weekly Mail – 135^th Issue dated 10^th December ’10

Last month on 05.10.10 we e-filed a PIL Writ in the Supreme Court. The process took hardly 5 minutes and the expenditure was Rs. 350 only. The defects were communicated by the Filing Counter of the Supreme Court by e-mail on 21.10.10. We cured the defect on 01.11.10 and tried to refile on 03.11.10. There were problems with the Server of the Supreme Court. We talked to Registrar Judicial and took up the matter through e-mail. The response of the Registry was quite good and even the Dy. Registrar rang us and informed that the problems will be solved within 2 days. Finally the documents were refilled on 16.11.10 and the expenditure was Rs. 480 only. The following is the outcome of our experience of e-filing:-

(a)                It avoids physical movement and physical presentation of documents. Hence it greatly saves time and expenditure.

(b)                On account of such saving of time and money, it improves resource utilization of the person concerned as well as the society.

(c)                We intend to commence a movement so that the process of e-filing is introduced in DRTs and High Courts

(d)                A PIL has already been filed in MP High Court to introduce the said process of e-filing in High Court. We shall widen the scope of the said PIL to extend it to cover the DRTs.

(e)                If anyone is interested to file such PIL in their state, he is welcome to contact us through e-mail, we shall provide the copy of the PIL filed by us.

(2) All India DRT Conference on 8^th and 9^th January ’11 at Indore – Aims and Objectives 

We are being approached by bankers, property dealers and advocates to attend the said Conference. We have told all such persons that we are highly focussed on the ‘Defence of Borrowers and Guarantors in DRTs’ for the simple reason that trial is highly neglected and the deficiencies and trials become incurable in higher courts. Lot of competent advocates are available for High Courts and Supreme Court but there is great dearth of experienced trial lawyers in DRTs. Our prime objective is to provide maximum  possible practical knowledge to such trial lawyers in DRTs. Hence we have given first preference to our existing clients and their advocates. If there is any vacancy, the next preference will be to Advocates who are practicing in DRTs. With such category only, our seats are expected to be fully occupied. Hence we are telling other persons to excuse us. However they are free to purchase the DVDs of the Conference. The price of the said DVDs will be announced just after the Conference.

In the meantime we again request our clients and their advocates to deposit their contribution. The availability of seats is getting limited and reservation is being done on first come first served basis. As soon as the requisite seats to the capacity of the hall is over, we shall announce the closure of Registration for the Conference.

(3) Mr. Satya Pal Anand files a PIL in Supreme Court on the matter of suicides committed by the Farmers 

(4) Mr. Avishek Goenka of Kolkata prepares a Useful Consolidated Format of Weekly Mails 

(5) This release is preponed by a day as Mr Ram Kishan will be out of Indore from 19^th Nov. to 27^th  Nov ’10 to Sagar and Haridwar. The next release will be published on 28^th Nov ‘10 

(6) Tax Structure in India – Funny but True 

Mr. Firoz  Poonawalla has sent the following interested piece:-

1)      Qut. : What are you doing?

2)      Ans. : Business.

3)      a : PAY PROFESSIONAL TAX!

4)      Qus. : What are you doing in Business?

5)      Ans. : Selling the Goods.

6)      Tax : PAY SALES TAX!!

7)      Qus. : From where are you getting Goods?

8)      Ans. : From other State/Abroad

9)      Tax : PAY CENTRAL SALES TAX, CUSTOM DUTY & OCTROI!

10)   Qus. : What are you getting in Selling Goods?

11)   Ans. : Profit.

12)   Tax : PAY INCOME TAX!

13)   Qus. : How do you distribute profit ?

14)   Ans : By way of dividend

15)   Tax : Pay dividend distribution Tax

16)    Qus. : Where you Manufacturing the Goods?

17)   Ans. : Factory.

18)   Tax : PAY EXCISE DUTY!

19)   Qus. : Do you have Office / Warehouse/ Factory?

20)   Ans. : Yes

21)   Tax : PAY MUNICIPAL & FIRE TAX!

22)   Qus. : Do you have Staff?

23)   Ans. : Yes

24)   Tax : PAY STAFF PROFESSIONAL TAX!

25)    Qus. : Doing business in Millions?

26)   Ans. : Yes

27)   Tax : PAY TURNOVER TAX!

28)   Ans : No

29)   Tax : Then pay Minimum Alternate Tax

30)    Qus. : Are you taking out over 25,000 Cash from Bank?

31)   Ans. : Yes, for Salary.

32)   Tax : PAY CASH HANDLING TAX!

33)   Qus.: Where are you taking your client for Lunch & Dinner?

34)   Ans. : Hotel

35)   Tax : PAY FOOD & ENTERTAINMENT TAX!

36)   Qus.: Are you going Out of Station for Business?

37)   Ans. : Yes

38)   Tax : PAY FRINGE BENEFIT TAX!

39)   Qus.: Have you taken or given any Service/s?

40)   Ans. : Yes

41)   Tax : PAY SERVICE TAX!

42)   Qus.: How come you got such a Big Amount?

43)   Ans. : Gift on birthday.

44)   Tax : PAY GIFT TAX!

45)    Qus.: Do you have any Wealth?

46)   Ans. : Yes

47)   Tax : PAY WEALTH TAX!

48)   Qus.: To reduce Tension, for entertainment, where are you going?

49)   Ans. : Cinema or Resort.

50)   Tax : PAY ENTERTAINMENT TAX!

51)   Qus.: Have you purchased House?

52)   Ans. : Yes

53)   Tax : PAY STAMP DUTY & REGISTRATION FEE !

54)   Qus.: How you Travel?

55)   Ans. : Bus

56)   Tax : PAY SURCHARGE!

57)   Qus.: Any Additional Tax?

58)   Ans. : Yes

59)   Tax : PAY EDUCATIONAL, ADDITIONAL EDUCATIONAL & SURCHARGE ON ALL THE CENTRAL GOVT.'s TAX !!!

60)   Qus.: Delayed any time Paying Any Tax?

61)   Ans. : Yes

62)   Tax : PAY INTEREST & PENALTY!

63)    INDIAN :: can i die now??

DRT Solutions Weekly Mail – 131st Issue dated 12^th November ’10

We have been quite vociferous on this issue and raised this matter in our several weekly mails. Mr. N.K. Sharma, ex-GM (Law) and our associate mentioned the same in one of the legal social sites ‘Lindedin’ where one of the members gave a very useful information reproduced below. We are trying to get the full judgment and in the meantime we request the readers to provide the same if it is possible for them:-

Observations made by the Honourable High Court of Kerala on the need for video recording the proceedings in Bhagavat Singh v. State of Kerala. 2008 (4) KLT 1047 [R Basant, J]

“9. It is perhaps shocking to note that courts in the state continue to follow the archaic procedure of manual recording of the oral evidence in his hand by the Presiding Judge. He hears the evidence and records the same in his own hand. Science and Technology on this aspect does not appear to have peeped into the Kerala Court halls at all. The amount of Judicial hours spent (or wasted) on the manual recording of oral evidence in courts is shocking. In an age when it must easily and inexpensively be possible to have audio and video recording of the oral evidence of the witnesses, we are still guilty of continuing with such archaic, time consuming, less efficacious and less efficient procedure of manual recording of evidence. The introduction of the procedure of video/audio recording of evidence will at one stroke make trial much faster, much more efficient and efficacious. It shall eliminate room for complaints like the one raised in this case. It shall take away the tedium and monotony of trials from the court rooms. It shall help the Appellate Judge and superior courts to see for themselves the demeanour of witnesses which today is the monopoly of the Trial Judge.... I do hence express my anguish and hope that qualitative changes shall be forthcoming in the near future.”

Our Comments

(1)    In our pleadings we have been mentioning about the video recording of evidence of the bank officials including their Chairman. With above ruling, our contentions are strengthened.

(2)    The above combined with the provisions of the Information and Technology Act 2000, we have now a very strong legal base for recording of video arguments.

(3)    In one of the PILs filed recently by us in the matter of corrupt CJIs, we have sought permission of the court to video record of the proceedings.

(4)    The video recording by Handycams is very easy. The DRT litigants should initiate the same in their cases.

(5)    It is needless to mention that in developed countries like US and UK past 30 years, all the proceedings are audio and  video recorded alongwith the transcription of the same to be provided to all the parties on the same day. Our CJIs were visiting these countries along with their wives and spending crores on these trips but the said systems have not yet been introduced. Instead of improving the judicial system, their attention was somewhere else.

(6)    It is no wonder that Justice Krishna Iyer said that in Indian Court rooms we are backward by 200 years. Still after such remarks in 1988, nothing has been done so far.

(7)    We are hopeful that the determined DRT litigants will take up as crusade the video recording of proceedings and evidence in DRTs. The real performance of the advocates and judges will get recorded and the quality of proceedings and orders will be greatly improved.

(2) PIL in the matter of functioning & control of DRTs – our contentions echoed vide news item in the Economic Times dated 8^th Nov ‘10  

The Economic Times, Mumbai in its issue dated 8^th Nov ’10 has published a news item captioned ‘Super Regulator proposed for 62 quasi-judicial bodies’ – Experts question  single body for overseeing many areas. The said news item mentions many of the points which we have been raising in our weekly mails as well as in our web site.

An important issue of Administrative control by the parent ministry has been questioned by the Supreme Court. The same has been covered in a writ petition recently filed by one of our clients in Vijayawada and admitted by Andhra High Court.

In light of above, more such writ petitions are expected to be filed by our clients in various states in the country.

It is relevant to note that in UK, the tribunals were introduced in 1800 and it took more than 150 years to achieve proper working of these tribunals which are controlled by a body consisting of eminent citizens which was the recommendation of Franks Committee in 1957. At present, it is unthinkable for our judicial authorities to achieve such change. We are still continuing with the legacy of British Ruler though they have changed the same in their country.

Mr. B.K. Dubey, our associate informed that one of our clients having DRT litigation in Bangalore informed that the bank officials in collusion with the police took wrongful physical possession of the secured assets. When the matter was reported to higher authorise, the police had to hand over the possession back to the borrower. The matter was covered in the media. The details are awaited and will be published in next weekly issue.

Our Comments

We have been repeatedly advising our clients to file caveat in the court of DM and CMM so that Sec 14 of the Securitisation Act is not invoked without hearing the borrower.

It is needless to mention that proper pleadings in the Representation and Objections to the Notice u/s 13 including loss and damages is of utmost importance followed by Application u/s 17 of the Securitisation Act. The said application being akin to a civil suit should be contested accordingly. Under such frame work of defence, the question of taking any physical possession does not arise at all.

Mr. Firoze Poonawalla has sent the following beautiful poem:-

Din Raat Daudti Duniya Mein, Zindagi Ke Liye Hi Waqt Nahi.

Maa Ki Loree Ka Ehsaas To Hai,Par Maa Ko Maa Kehne Ka Waqt Nahi.

Saare Rishton Ko To Hum Maar Chuke, Ab Unhe Dafnane Ka Bhi Waqt Nahi.

Saare Naam Mobile Mein Hain, Par Dosti Ke Lye Waqt Nahi.

Gairon Ki Kya Baat Karen,Jab Apno Ke Liye Hi Waqt Nahi.

Aankhon Me Hai Neend Badee, Par Sone Ka Waqt Nahi.

Dil Hai Ghamon Se Bhara Hua, Par Rone Ka Bhi Waqt Nahi.

Paison ki Daud Me Aise Daude,Ki Thakne ka Bhi Waqt Nahi.

Paraye Ehsason Ki Kya Kadr Karein,Jab Apane Sapno Ke Liye Hi Waqt Nahi.

Tu Hi Bata E Zindagi,Iss Zindagi Ka Kya Hoga,

Ki Har Pal Marne Walon Ko,Jeene Ke Liye Bhi Waqt Nahi.........

Cheers.......

(5) Our Weekly Mails in form of a Printed Book:-

As informed we have received huge demand for a printed version of our weekly mails. Hence it has been decided to bring about a book with comprehensive commentary, good index along with a CD for easy search. We have started receiving enquiry and suggestions from the readers of our weekly mails as well as from the visitors of our web site.