RBI deputy governor, SS Mundra, has given good advice on how to quickly identify a fraudulent borrower. Delay in red-flagging fraud usually occurs because staff working in the loans department lack the appropriate skills or monitor performances in a casual manner. Bank boards have developed several measures in their risk mitigating efforts but these are not given due care in processing.

The staff should be given elaborate training in identifying the probable risks associated with poor performance and trying to rehabilitate them or taking up measures to recover dues.

TSN Rao

Bhimavaram, Andhra Pradesh

Home run

This refers to the editorial, ‘The right sops’ (February 3). The proposal to monitor the promise of providing two crore low-cost homes by 2022 is welcome. The cost of land and housing has been on the rise, and owning a house has become a matter of owning wealth.

Housing loans put pressure on families and affect other essential aspects of their lives. Therefore the programme needs to be boosted, and having the backing of government will help.

TR Anandan

Coimbatore

There is no doubt that infrastructure status to affordable housing will really benefit the developers. It is also heartening that time frame to build have been extended. But it should not be forgotten that since affordable homes have different target customers, they should be given a fair deal and developers should not cut corners as they are wont to do. Good construction material should be used and safety should be given priority. The Government must monitor the programme regularly and carefully to meet the target.

Bal Govind

Noida, Uttar Pradesh

Going safely cashless

News of online trading fraud by a Noida-based company has come at the wrong time. The Government which is vigorously pursuing e-transactions may find it difficult to convince people to switch over to cashless dealings. The Government must ensure safe e-trade facilities.

VS Ganeshan

Bengaluru

The great laws of India!

Special courts are always special. That a special court has discharged former telecom minister Dayanidhi Maran and others in the Aircel-Maxis deal is a case in point. At last, no politician (especially the rich and the influential) can be held guilty unless the Supreme Court endorses it. What great laws we have.

S Ramakrishnasayee

Ranipet, Tamil Nadu

House rules

Elections and other democratic institutions will serve the public interest only if legislative functions, in which debates have much to contribute, are allowed to proceed without let or hindrance. There is no denying that the poor handling of the situation after former minister E Ahmed collapsed in the House and later passed away in hospital needs to be debated by both houses of Parliament in order to learn how to handle such situations appropriately.

The impression is that there is no effort on the part of legislators to ensure that proceedings are not ‘skipped’ in the name of protests. Why doesn’t a parliamentary committee go into the issue while Parliament is in session?

MG Warrier

Mumbai

No country for women

That women continue to face violence and assaults whenever they try to assert their rights to life and liberty is a stark reminder of the fact that gender equality exists only on paper. The recent instance in Kerala is a case in point. Our films glorify and legitimise stalking as a harmless means of winning over women, reflecting a deeply entrenched patriarchal and misogynistic mindset. Not mere stringent laws but eternal vigilance with respect to obsessive and psychological instability, and counselling in educational, corporate and legal institutions to promote gender equality, will help to an extent.

M Jeyaram

Sholavandan, Tamil Nadu

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