Jago Grahak Jago

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90% of banned or recalled products are being sold on digital platforms

World Consumer Rights Day 2026 carries the theme “Safe Products, Confident Consumers”, chosen by Consumers International. This theme is not just timely but urgent. Unsafe and substandard products continue to circulate widely, especially online. A recent OECD review revealed that 87% of recalled or banned products were still available for purchase on digital platforms. This is alarming. It tells us that despite technological progress, consumers remain vulnerable to risks that should have been eliminated long ago. Product safety is not merely about compliance with standards; it is about justice and accountability. Unsafe goods cause injuries, waste resources, and erode trust. Vulnerable consumers in low‑income countries are disproportionately affected, making this both a development challenge and a rights issue. In 2026, the message is clear: safe products are the foundation of consumer rights, and without them, trust in the marketplace cannot exist. Unsafe Products: A Hidden Epidemic I often recall a case from my early advocacy days in India. A family purchased a branded electric iron from a local store. Within weeks, the product malfunctioned, causing a fire that damaged their home. The company initially refused responsibility, citing “consumer misuse.” It took months of pressure from consumer groups before compensation was offered. This anecdote illustrates a larger truth: unsafe products are not isolated incidents. They are systemic failures. From contaminated food and spurious and spurious or Not of Standard Quality (NSQ) medicines to faulty electronics and unsafe toys, consumers face risks daily. The rise of e‑commerce has amplified these risks, as online marketplaces often lack robust mechanisms to filter unsafe goods nor do they take the onus to assure quality and safety. Digital Platforms and Accountability The OECD’s finding that banned products remain online is a wake‑up call. Digital platforms have become the new marketplace, but accountability and transparency has not kept pace. In India, I have seen consumers receive spurious and NSQ medicines ordered online, or toys without safety certifications. These are not minor inconveniences — they are threats to life and health. Platforms must be held accountable. They cannot hide behind the excuse of being “intermediaries.” If they profit from consumer transactions, they must also bear responsibility for ensuring product safety. Governments must enforce stricter monitoring, and platforms must adopt transparent supply chain practices or told to close the marketplace. Product Safety as Public Health Unsafe products are not just consumer issues; they are public health hazards. Consider the case of contaminated baby food in Europe, which led to widespread recalls. Or closer home, the sale of spurious medicines in India’s informal markets. These incidents highlight how unsafe products can undermine entire health systems. When consumers lose confidence in product safety, they also lose confidence in institutions. This erosion of trust has long‑term consequences. It discourages innovation, weakens markets, and ultimately harms economic growth. Safe products are therefore not only a consumer right but a public health imperative. Personal Anecdote: The Power of Advocacy I remember working with a group of students in Delhi who discovered that a popular snack brand contained excessive levels of lead. The campaign, supported by consumer organizations forced regulators to act. The product was recalled, and new safety standards were introduced. This experience reinforced my belief that consumer advocacy works. When citizens demand accountability, corporations and regulators cannot ignore them. But advocacy requires awareness, organization, and persistence. It is not enough to complain; consumers must mobilize themselves strategically and be able to raise the resources to sustain campaign. Global Comparisons: Learning from Others The European Union has set high standards with its General Product Safety Regulation, ensuring that unsafe goods are swiftly removed from the market. The United States enforces product safety through agencies like the Consumer Product Safety Commission (CPSC). India has strong laws, but enforcement remains inconsistent due to lack of priority by the State Governments and organisations like Quality Council of India (QCI) and Bureau of Indian Standards. We must learn from these global examples. Aligning with international benchmarks will not only protect Indian consumers but also enhance India’s credibility in global trade. Safe products are essential for building consumer confidence in both domestic and international markets. The Role of Public Interest Litigation (PIL) In India, Public Interest Litigation (PIL) has been a powerful tool for advancing consumer rights. I recall a PIL filed against misleading advertisements in healthcare, which compelled regulators to tighten oversight. PILs have often filled the gap where enforcement was weak. However, PIL should not be the primary mechanism for consumer protection. Regulators must act proactively, not reactively. PIL is a catalyst, but strong institutions are the backbone of consumer rights. Consumers should not have to resort to litigation for basic protections. Corporate Responsibility Beyond Compliance Corporations must recognize that consumer trust is their most valuable asset. Beyond compliance, they should embed product safety into their business models. Transparent pricing, ethical marketing, and robust grievance redressal systems are not optional — they are essential and mandatory. I often tell business leaders: “Trust is the most valuable asset a company can build.” Companies that proactively protect consumer rights build long‑term loyalty and brand credibility. Those that exploit consumers face reputational damage and regulatory consequences. In today’s competitive market, responsibility is not just a legal obligation — it is a strategic advantage. As I lived in Jamshedpur for 43 years and worked closely with the TATAS, I fondly recall the value system they adopted towards their customers to keep the brand image intact. Emerging Risks: The Next Frontier Looking ahead, three emerging risks demand urgent attention: Digital Monopolies: Tech giants wield enormous influence, and without checks, consumers risk exploitation through opaque algorithms and monopolistic practices. Data Privacy: Consumers often have little control over how their information is used. Strong data protection laws are essential. Greenwashing: False sustainability claims mislead consumers who want to make ethical choices. This undermines both trust and genuine sustainability efforts. India must prepare now with strong laws, vigilant regulators, and empowered consumers. These risks are global, but their impact on vulnerable populations in developing countries is particularly severe.Building Consumer Confidence: A Call to Action On this World

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Budget 2026–27: Beyond Insurance to a Universal Health Coverage for All

Why India must move from fragmented schemes to a rights‑based health system Promise of Universal Health Coverage: Universal Health Coverage (UHC), as defined by the World Health Organization, means that all individuals and communities can access quality health services without suffering financial hardship. In India, this remains an unfinished agenda. More than 20 million citizens are pushed below the poverty line each year due to unaffordable healthcare costs and poor access to timely, quality primary care. While schemes such as Ayushman Bharat–PMJAY, the Central Government Health Scheme (CGHS), and the Employees’ State Insurance Corporation (ESIC) have expanded coverage, healthcare financing remains fragmented, insurance‑heavy, and dependent on out‑of‑pocket spending. The result is inequity, cost escalation, and persistent gaps in access, especially for informal workers, senior citizens, and the near‑poor. The Union Budget 2026–27 is the most powerful instrument available to the Government of India to transition from scheme‑based financing to a rights‑based framework. This year’s budget must move decisively beyond insurance to build a universal healthcare system that treats health as a public good and a constitutional responsibility. Raising Public Health Expenditure: The first step toward UHC is a clear fiscal commitment. India must announce a time‑bound roadmap to raise combined Central and State public health expenditure to at least three percent of GDP. Without strong tax‑funded public systems, universal coverage will remain aspirational. Enhanced untied grants and incentive‑based transfers to States are essential to strengthen delivery capacity. Such a commitment would signal political will and institutional seriousness, aligning India with global best practices. Strengthening Infrastructure and Service Delivery: Incremental health spending must prioritize the public backbone of healthcare. Government hospitals, medical colleges, urban and rural primary health centres, public diagnostics, essential medicines, and human resources need sustained investment. At least sixty percent of additional allocations should be directed toward strengthening public capacity rather than insurance reimbursements. When public facilities are well‑equipped and staffed, they become the first point of care for millions, reducing dependence on expensive private providers and ensuring equitable access. Reforming Ayushman Bharat–PMJAY: Ayushman Bharat–PMJAY has been a landmark initiative, but its poverty‑based targeting limits its reach. The scheme must evolve into a progressive UHC platform that includes informal workers, near‑poor households, and senior citizens. Budgetary clarity is needed on coverage expansion, accompanied by expenditure rationalisation and quality safeguards. Strong cost controls, standard treatment guidelines, and pricing transparency must be introduced to prevent misuse and ensure value for public money. PMJAY must also expand beyond hospitalization to cover outpatient care, diagnostics, and chronic disease management. Converging ESIC and CGHS: India’s healthcare financing landscape is riddled with duplication. ESIC and CGHS serve overlapping populations but operate in silos. The Budget should announce a National Health Financing Convergence Framework to integrate these schemes with PMJAY. Accumulated ESIC surpluses can be used to upgrade ESIC hospitals and strategically purchase healthcare services. Administrative and digital convergence will eliminate inefficiencies, promote equity, and simplify access for beneficiaries. Regulating Private Health Insurance: Private health insurance plays a growing role in India’s healthcare ecosystem, but it must be regulated in the public interest. The Budget should introduce stronger consumer protection norms, including standardized exclusions and disclosures, limits on arbitrary claim rejections, and grievance redressal mechanisms with strict timelines. Zero‑rating GST on health insurance premiums would improve affordability and signal that insurance is a form of social protection, not merely a commercial product. Regulation must ensure that insurance serves the consumer, not the insurer only. Investing in Prevention and Primary Care: Prevention is the most cost‑effective and equitable pathway to UHC. The Budget must create dedicated lines for non‑communicable disease prevention, nutrition and maternal health, mental health services, and environmental and climate‑linked health risks. Linking a portion of Central transfers to preventive health outcomes would incentivize States to invest in long‑term resilience. Primary care must be the foundation of India’s health system, not an afterthought. By investing in prevention, India can reduce future costs, improve population well‑being, and build a healthier workforce. We must focus on the expansion of Health & Wellness Centres, which was an important vertical under the Ayushman Bharat Scheme. Expected Outcomes: If implemented, these measures will reduce catastrophic out‑of‑pocket expenditure, improve equity and accessibility across income groups, strengthen public institutions, contain healthcare inflation, and move India decisively toward Universal Health Coverage. The benefits will be felt not only in hospitals and clinics but also in households, workplaces, and communities. A rights‑based approach to health will enhance economic productivity, as healthy citizens are better able to work, learn, and contribute. Appeal: A Budget That Counts for Health: The Union Budget 2026–27 must be judged not only by fiscal prudence but by its commitment to human dignity. Healthcare is not just another sector—it is the foundation of productivity, prosperity, and national resilience. Universal Health Coverage will not be achieved through incremental tweaks. It requires bold fiscal commitment, public system strengthening, and citizen‑centric regulation. India does not need a budget that merely allocates for health. It needs a budget that guarantees it.

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What’s the point if the consumer wakes up but the system remains asleep?

Despite high-decibel campaigns like Jago Grahak Jago, the consumer rights movement in India remains more symbolic than substantial. In this eye-opening conversation with international consumer policy expert Bejon Misra, we explore how banks, insurers, and financial inclusion schemes often fail the very citizens they claim to serve. From hidden charges and misleading loan offers to the staggering number of inoperative Jan Dhan accounts, Misra pulls no punches in exposing the systemic neglect of consumer welfare in India—and lays out a powerful roadmap for reform. A must-read for anyone concerned about the real state of consumer protection in the world’s largest democracy. The consumer awareness movement in India looks good on paper but feels hollow on the ground. Why is that? You’re absolutely right—it’s a movement that has been stifled by tokenism. While we have progressive laws and catchy campaigns like Jago Grahak Jago, the ground reality is that consumers still face exploitation every day. The real issue is effective enforcement and lack of efficient redressal. Rights exist on paper, but access to justice is long drawn, cumbersome expensive, fragmented, and out of reach for most. What we need is not just awareness but accountability and transparency in the system. Heads must roll in case of delayed redressal at the cutting edge. Do slogans like “Jago Grahak Jago” carry any real weight today? They serve a purpose in spreading awareness, but they have become more symbolic than impactful. If the consumer wakes up but the system remains asleep, what have we achieved? We need to move from slogans to solutions—timely grievance redressal, ethical business practices, and strong regulatory mechanisms that protect the consumer at every step in a prompt and honest manner. Banks often change terms like interest rates or service fees unilaterally. Isn’t that a breach of trust? It absolutely is but as you know it is governed by certain globally accepted standards, which is not known to the common bank customer. When consumers sign up for a product—whether it’s a savings account or a fixed deposit—they expect those terms to hold. Changing them without proper notice or consent is not just unethical, its borderline exploitative. Regulatory bodies must intervene more proactively to prevent such one-sided practices and encourage consumer engagement. Many loans are advertised with “attractive rates” but hide several charges. Why banks are not held accountable? Transparency in lending is a fundamental right of the consumer. Unfortunately, many banks indulge in marketing gimmicks while burying actual charges in fine print. Prepayment penalties, insurance add-ons, legal fees—these are not disclosed clearly. The Reserve Bank of India needs to enforce stricter disclosure norms and impose penalties for misleading promotions. RBI does impose fines and penalties on banks for several violations, but the money recovered by RBI is never passed on to the respective bank customers. What are your views on the health insurance sector and how it treats consumers? The health insurance sector is riddled with discriminatory clauses and confusing exclusions. The common consumer doesn’t know how to read policy documents—nor should they be expected to decode legal jargon. Denial of claims on technical grounds, poor awareness of network hospitals, and aggressive premium hikes have made health insurance a cause of distress rather than relief. We need a patient-centric model where insurers are held accountable for every rejected claim. What’s the biggest loophole in consumer protection laws today? The biggest problem is delayed justice. Even with the new Consumer Protection Act 2019 and establishment of the Central Consumer Protection Authority (CCPA), most consumers don’t file complaints because they know it will take years or go nowhere. The process is long, intimidating, and often biased toward corporates with legal muscle. We need local, fast-track consumer redressal systems that work in real time—especially for vulnerable groups. PMJDY boasts massive numbers. But if crores of accounts lie dormant, what’s the point? Financial inclusion must go beyond numbers. A bank account is not a symbol of empowerment unless it is used and found useful. The 2.34 crore inoperative accounts in UP alone point to a failure of follow-through in terms of customer care and relationship building with the bank account holders. There’s no literacy, no usage incentives, and often no trust in the system. The money in dormant accounts is a national shame—its wealth lying idle when it could be transforming lives. What needs to change to make Jan Dhan accounts more active and relevant? First, we must provide financial literacy in regional languages. Second, we need doorstep services for rural users. And third, we must link usage to real benefits—such as easy credit, micro-insurance, or pension access. Banks must be incentivized not just to open accounts but to nurture them and keep them in active mode. Is there enough consumer awareness in rural and semi-urban India? No, and this is where the real crisis lies. Most people don’t understand what they are signing when they take a loan or buy insurance. Consent becomes meaningless in the absence of comprehension. We need a national consumer literacy mission—just like the literacy movement of the 1990s. Unless we empower citizens with knowledge, every system we build will be rigged against them. What role should civil society and the media play in consumer protection? An active civil society and free media are the backbone of consumer empowerment. NGOs can offer local guidance, legal help, and awareness, while media can amplify injustices and expose systemic flaws. But more importantly, they must move from episodic outrage to continuous engagement. Consumer rights deserve a permanent place in the national discourse—not just when a scam breaks. We are still struggling to finalise the National Consumer Policy for the last 3 decades. If you could make one immediate policy change, what would it be? Mandate that all financial products—bank accounts, loans, and insurance—must have a clear, standardized disclosure sheet in the consumer’s regional language, read aloud and explained before signature before credible witnesses. And record that consent via video. It’s simple, it’s transparent, and it protects the most vulnerable. Let’s bring

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Ayush Ministry’s ‘Shatavari – For Better Health’ campaign launched

Feb 6, 2025 Union Minister of State for Ayush Prataprao Jadhav on Thursday launched ‘Shatavari –For Better Health’, in a bid to raise awareness about the health benefits of medicinal plants. Speaking on the occasion, Jadhav highlighted the significant progress made by the Ministry of Ayush over the last decade and lauded the efforts of National Medicinal Plants Board (NMPB) for launching this new initiative to promote awareness about Shatavari. Recalling the successful campaigns led by NMPB, including those for amla, moringa, giloe, and ashwagandha, he said these initiatives have contributed to spreading knowledge of the health benefits of medicinal plants across the country. Jadhav also emphasised the relevance of Shatavari in achieving the ‘Panch Pran’ goal outlined by the Prime Minister Narendra Modi during his Independence Day speech on August 15, 2022. “The Prime Minister envisioned making India a developed nation by its 100th Independence Day in 2047. As part of this mission, the Shatavari plant has been identified as a key resource for enhancing women’s health in India. This aligns with the broader goal of holistic well-being of citizens,” he said. In his address, Vaidya Rajesh Kotecha, Secretary, Ministry of Ayush, elaborated on the activities and achievements of NMPB in promoting medicinal plants. He also shared insights into the central sector scheme for the conservation, development, and sustainable management of medicinal plants, an initiative to ensure the long-term preservation and cultivation of important medicinal species, including Shatavari. Shatavari, known for its numerous health benefits, particularly in supporting women’s health and enhancing immunity, will now receive focused attention through this campaign, ensuring it reaches wider audiences across the nation. Source: The Statesman

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Landmark Declaration Between IMA and PSAIIF on Advancing Health Insurance, Data Protection and Universal Healthcare in India

Landmark Declaration Between IMA and PSAIIF on Advancing Health Insurance, Data Protection and Universal Healthcare in India

A momentous two-day meeting on ‘Bridging the Gaps – Enhancing Collaboration between Doctors and Patients in India’ took place between the Indian Medical Association (IMA) and the Patient Safety & Access Initiative of India Foundation (PSAIIF) in Bengaluru, Karnataka on 29-30June, 2024. 21 representatives each of IMA and PSAIIF deliberated in a series of 3 sessions on three critical aspects of healthcare in India: Universal Healthcare, Confidentiality & Data Protection, and Developing a Health Insurance India Centric Model.

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Bima Sugam The Game Changer in 2023

The The Insurance Regulatory and Development Authority of India (IRDAI) has committed to enabling ‘Insurance for All’ by 2047, where every citizen has appropriate life, health, and property insurance coverage and every enterprise is supported by appropriate insurance solutions and also to make Indian insurance sector globally attractive. To attain this objective, the reform agenda taken up by IRDAI derives inspiration from the Government of India’s vision of financial inclusion and strong emphasis on accelerating reforms. The focus of IRDAI is to strengthen the three pillars of the entire insurance ecosystem viz. insurance customers (policyholders), insurance providers (insurers) and insurance distributers (intermediaries)by •!• Making available right products to right customers; •!• Creating robust grievance redressal mechanism; •!• Facilitating easeof doing business in theinsurancesector; •!• Ensuring the regulatory architecture is aligned with the market dynamics; •!• Boosting innovation, competition and distribution efficiencies while mainstreaming technology and moving towards principle based regulatory regime. Important Speeches from Webinar

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HC strikes down law banning online gaming

Govt. restrained from interfering with online gaming business and allied activities of petitioners In a relief to online gaming operators and players, the High Court of Karnataka on Monday declared as unconstitutional certain provisions of the Karnataka Police (Amendment) Act, 2021, which prohibited and criminalised the activities of offering and playing online games, by risking money or otherwise. “The provisions of Sections 2, 3, 6, 8 & 9 of the Karnataka Police (Amendment) Act 2021 are declared to be ultra vires of the Constitution of India in their entirety and accordingly are struck down,” the court said A Division Bench, comprising Chief Justice Ritu Raj Awasthi and Justice Krishna S. Dixit, delivered the verdict while allowing the petitions filed by associations of gaming operators, such as Online Gaming Federation, Federation of Indian Fantasy Sports, and a few individuals who are online gaming enthusiasts. Source : The Hindu

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Government blocks 54 more Chinese apps over data, security issues

NEW DELHI: The government’s action against Chinese apps over data breach of Indian citizens and threat to national security continues with a fresh set of 54 apps being ordered blocked as they were suspected to be engaged in illegal espionage and surveillance activities on Indian citizens.The action follows similar steps taken since June 2020 that has seen as many as 267 apps being blocked through various orders that included removing some of the top ones such as TikTok, PUBG, UC Browser, WeChat, CamScanner, Baidu Search and Weibo.With the latest action, the number of Chinese apps blocked in India now stands at 321. The news ones blocked included apps related to beauty, music, dating and gaming.Some of the apps that will be blocked are either the cloned versions of those banned previously, or have similar functionality, privacy issues and security threats, as per the government which took the action on the recommendations of the home ministry.“These 54 apps allegedly obtain various critical permissions and collect sensitive user data. These collected real-time data are being misused and transmitted to servers located in hostile country,” the IT ministry said. “This will enable them to compile huge personal data to mine, collate, analyse and profile by the elements who are hostile to the sovereignty and integrity of India and for activities detrimental to national security,” it added.TOI had reported on August 30, 2021, that several Chinese apps were back in the Indian online eco-system – despite the ban – by hiding their origins, changing their names, or with scarce information about their ownership. The fresh action also comes when ties between India and China continue to be cold over the border disputes. Source : TOI

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House owners lose lakhs in QR code frauds, ‘reverse’ payment

HYDERABAD: New cybercrime methods are leaving the police perplexed with fraudsters specifically targetting software and banking professionals who want to give their houses on rent.Top police officers said several employees of multi-national companies are failing to see through the dirty tricks of fraudsters, who are siphoning off lakhs of rupees by either asking house owners to scan QR codes or receive rental advance through what is described as ‘reverse payment’ method that doesn’t exist. Swaminathan, an IT architect of a Pharma MNC from Kondapur is one such victim who lost Rs 11.99 lakh. On February 5, he uploaded details of a vacant portion of his house on a real estate website seeking Rs 20,000 monthly rent and one month’s advance. The following day, Swaminathan received a call from a person who identified himself as Randip Singh, a CISF officer transferred from Pune to Hyderabad. Showing interest, Singh wanted to pay the advance amount and explained to Swaminathan about a “reverse payment method used in CISF accounts department.” “The person posing as CISF officer convinced Swaminathan that he would have to transfer one month’s rent to the ‘officer’s’ bank account and double the amount would be transferred back from the CISF accounts section into the house owner’s account. To test the method, Swaminathan sent Rs 1 and received Rs 2 from the fraudster’s bank account. Subsequently, the fraudster convinced Swaminathan to transfer Rs 11.99 lakh from his bank account and debit card through 12 transactions, while staying on the call for about two hours,” Cybercrime inspector M Ravinder Reddy said. “All along, the fraudster convinced him that he would get double the amount he sends and Swaminathan ignored warning calls from his bank also,” the inspector said. A manager of a private bank, Shiva Shankar of Chandanagar, lodged a similar complaint on February 2 saying that one B Pratap Yadav, posing as an Army personnel recently transferred from Ahmedabad to Hyderabad, made him transfer Rs 2.2 lakh from his mobile banking app to Yadav’s bank account through nine transactions in the guise of paying advance plus one month’s rent through the same `reverse payment method’. On February 7, Srinath Kumar of Kukatpally, an associate team leader in a software MNC, approached police saying that he had placed an advertisement in house rental portals to rent out a vacant flat for Rs 20,000 a month and two months advance payment. Kumar received a call from two persons, who identified themselves as armymen Randheer Singh and Bamu Gorai, transferred from Noida to Hyderabad. “They wanted to make payment through QR code. Kumar lost Rs 2.74 lakh when he scanned the QR codes sent by the fraudsters and the amount got debited from his bank account, instead of getting credited,” the investigation officer said. Source : TOI

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