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Indra Dhoj Kshetri


Evils of the nation: Top Ten defaulters uncovered

This year’s annual budget for Nepal’s 25 million population amounted just 143 billion rupees. However, 53 Business groups and individuals have defaulted 25 billion rupees with two largest banks of the country. The money was deposited at the banks by the individuals who worked hard to earn their two squares of meal. Those groups borrowed the money from Nepal Bank Limited (NBL) and Rastriya Banijya Bank (RBB). Both the banks are the government owned and the money kept there is people’s trustee. But no serious measures have been opted to make the defaulters to repay the money so far. For the first time, Nepal Rastra Bank, the central bank of the country made public the name of 53 largest defaulters this August.

Subsequently, the Parliamentary Account Committee (PAC) directed the central bank and the government to go tough against those defaulters. Nepal Bankers’ Association Credit Information Bureau has already enlisted 2912 willful defaulters till October 9 this year. And the number is increasing rapidly. Those people are enjoying with the people’s money but unwilling to repay it. These defaulters have posed challenges to the overall management of the economy. Experts say bad loan is the major challenge confronting the financial system of Nepal. Those defaulters have strong political connection that has been saving them since years from any action. In the past, the defaulters bargained with the Royal Regime and the regime excused them in return to their support to it. Past experiences have proved that blacklisting alone is not enough to deal with powerful defaulters because of their strong political and other connections.

However, after the Nepal Rastra Bank made public the name of 53 wilful defaulters with largest amount, the defaulters are making unnecessary hues and cries, siding responsibility to the ten years of conflict. Under the umbrella of Federation of Nepalese Chamber of Commerce and Industries (FNCCI), they are trying to overcome the prospective actions. People are concerned that, despite their failure to pay back the loans, they have been living a lavish life with high profile. After this incident, there has been growing controversy over the socials status of the defaulters and repayment of loan. The enlisted personalities still enjoy a significant social status and live a lavish life. Making public the name of those defaulters, Governor of Nepal Rastra Bank, Bijayanath Bhattrai had said, “Even after being blacklisted, we have found no fundamental change in the lavish lifestyle of willful defaulters.”

Enjoying with the people’s money but resisting repaying the loans, is an evil task. The defaulted money amounts to nearly eleven billion rupees from ten groups alone. The everestuncensored has tried to dig out their social status so that the people could raise the fingers and say you are the EVILS OF THE NATION. Social restriction will be an answer to the crime of those defaulters who have been challenging total economy of the country.

Defaulter No. 1: The Amatya Enterprises (Pyush Bahadur Amatya Group)
Pyush Bahadur Amatya
Pyush Bahadur Amatya is the chief person of this group. This group has defaulted the largest amount, 3 billion 621 million rupees alone from the banks. The amount is exactly two times more than the amount of the second largest defaulter. And it is also the group with least chance of loan recovery. The group dealt with Electrical Equipment, Supplies and Component Manufacturing. Besides, the large amount of money was spent on Fulbari Resort and Spa at Pokhara. It was one of the largest business groups in the country. This group owns Amatya Enterprises that is an exclusive representative of Mitsubishi Motors Corporation, Japan, General Trading & Engineering, Nepal Power Eng. Co., Everest Ice Creams, Mt. Everest Brewery and Amtronics. It’s largest investment project is Fulbari Resort and Spa. The once shut Fulbari Resort and Spa has recently been handed over to a Resort Management Company named Blue Flag Nepal. However, none of these business are doing well now. The banks have predicted that it will be most difficult to recover loan from this group. And the Amatya family is still living a lavish life.

Defaulter No. 2: Mangatu Ram (Mangatu Ram Agrawal Group)
The second largest defaulter is Mangatu Ram group. This group has the default amount of 1 billion 820 million rupees from both the banks. This group owes 1.521 billion to Rastriya Banijya Bank and 0.124 billion to NBL. Mangaturam Agrawal is the chief Owner of the Mangaturam Group. He is aided by his five sons Subodh, Suresh, Krishna, Narayan and Damodar. The group took the loan from Rastriya Banijya Bank Rani Branch, Biratnagar. And after investigation, the Commission for the Investigation of Abuse of Authority (CIAA) had filed a charge sheet against those six Agrawal family members including six RBB officials on June 2005. The CIAA had concluded that RBB Rani branch had released Rs 867 million against a collateral worth Rs 168.64 million in 1998. And it charged them of incurring loss of 1.38 billion rupees as of April 2005. This has reached to 1.521 billion rupees including interest as of this July. Subodh Kumar, Suresh Kumar, Krishna Kumar and Narayan were arrested in connection with the scam on December, 2004 for failing to deposit bail amount demanded by the CIAA. However, Mangaturam and his son Damodar are still at large.

This group owned many enterprises including Narayan Vegetable, jayakali biscuit, ganesh Plastic, Annapurna soap, Laxmi footwear, Annapurna Iron, Dantakali, Fulpati enterprises and Ghatasthapana enterprises. Now, very few of the industries are under operation and the CIAA had concluded that there is the possibility of incurring only 145 million rupees from the security bond. So why, repayment of loan from this group also seems almost impossible.

Defaulter No. 3 Basulinga Sugar Mills (Chand Group)
Arun Chand
This is just ridiculous that the politicians are protecting the evil tasks. The worst example is the case of Basu Linga Sugar Mills. This has not only defaulted the people’s billions of money from the banks but also not paid the farmers with the cost of their sugarcane. And it is non other than the enterprise owned by Arun Chand, the son of Lokendra Bahadur Chand, the Royal loyal and the multiple times Prime Minister of the country. Another accomplice of this group is Vijaya Kumar Goel. This Group owes 1 billion and 26 million rupees to the two banks. It is one of the biggest industries of Nepal and now is on the verge of bankruptcy. It is situated at Kailali district and has remained closed since long time back. The sugarcane farmers claim that the mill management was yet to pay the outstanding dues of Rs. 40.4 million to some 4,500 farmers in Kailali district. The Mill used political influence to take the loan from various banks during the Panchayat era. And now, it seems almost impossible to incur the amount back.

Defaulter No. 4 Bir Kirat (Bir Bahadur Rai group)
Bir Bahadur Rai is the chief of this group. This group borrowed the money from Rastriya Banijya Bank to run Bir Kirant Group Narayanpur, Kailali and Kirant Traders Baluwatar . Nepal Bankers’ Association, Credit Information bureau had blacklisted this group in January 1991. The recovery of loan hasn’t been possible even in those fifteen years. And the loan now amounts to 852 million rupees. Now, none of these business institutions are making any business.

This group also invested on Durga Mill, Satti. Besides, Bir Bahadur Rai invested on Dantakali Jutta Chapal Udhyog, Dharan, in partnership with Bishnu Kumar Limbu, Harka Bahadur Limbu, Hemraj Rai, Indra Bahadur Thebe (Limbu), Indra Kala Thapa, Laxmi Bhakta Bantawa, Narendra Bahadur Gurung, Prasad Thebe and Prem Bahadur Kafle. This group also invested on Durga Mill, Narayanpur in partnership With Bam Bahadur Bhandari, Durga Kumari Rai, Prem Bahadur Bhandari, Ram Bahdur Kunwar and Ramesh Rai. Sarita Rice Mill, Satti Emporium, Sujata Trading, Sumnima Dal Udyog were also the partners in Durga Mill.

Defaulter No. 5 Momento Apparels (Chandi Raj Dhakal)
Chandi Raj Dhakal
Momento Aparels made an export of USD 12 million in the year 2000 that fell to 5.6 million in the following year. It exported 7.7m worth garment in 2002. It is the manufacturer and exporter of readymade garments. It was the top in 2000 and second largest exporter of Nepali garments by volume in following two years. It had the annual turnover of 1000 million rupees in those years. The company still holds top position in producing and exporting the garment. It is ridicule that, such well operating company stands fifth in the top bank loan defaulters of the country. And owes 709 million rupees to the Rastriya Banijya Bank.

The biggest ridicule is that the owner of the company holds the highest leadership of the business community in the country. The owner of the Company Chandi Raj Dhakal is incumbent Chairman of the Federation of Nepalese Chamber of Commerce and Industries (FNCCI). It was set up by Dhakal in 1993 in partnership with a US citizen. However, Dhakal solely owns the company now. Ignoring to repay the bank loans, Dhakal has recently set up a Pashmina factory called Emperor Gold Mount, in Jhapa, and Beijing Roast Duck Restaurant in Kathmandu, both in joint venture with Chinese parties.

Defaulter No. 6 Maha Laxmi Garment (Brij Gopal Innani group)
Brij Gopal Innani is the founder of this group. He founded Mahalaxmi Garment Industries Group in 1980. It manufactures and exports the readymade garments. It has the annual sales turnover of USD 107 million. It was the third largest exporter of garment in 2000 with the value of 7.6 million USD. Despite significant turnover, the group has stood sixth in the list of largest bank loan defaulters. It alone owes outstanding due of 609 million rupees to the Rastriya Banijya Bank. This group also owns another industry named Girija Garment Industries.

Defaulter No. 7 Sanyam Veg & Oil
Sanyam Vegetable and Oil Industries is the seventh in the list. It owes 595 million rupees to the Rastriya Banijya Bank. It was the 14th in the list of top vegetable oil exporters in the year 2004/5 with the export of 160metric tons of vegetable oil. But now it is not doing any business. So why the sanyam group seems worst among the list from the perspective of loan recovery.

Defaulter No. 8 Mahalaxmi Sugar & Chemical (Choudhary and Kanaudiya Group)
Binod Kumar Choudhary
Photo: Binod Kumar Chaudhary
This is the joint venture with country’s one of the largest business houses. This group is promoted by the head of Chaudhary Group, Binod Kumar choudhary. This group also holds the most attractive social status as well. Another member of the group Birendra Kumar Kanaudiya is also an incumbent Member of the House of Representatives. He is a Nepali congress MP from Kapil Bastu -3. The Chairman of the group Lunkaran Das Choudhary is a’ revered’ industrialist in the country. He also holds Gold Star Nepal (Industries) (Pvt.) Ltd. Other members are Sarika Choudhary, and Muralidhar Agrawal. The group alone owes 516 billion rupees to the Rastriya Banijya Bank and the total due amounted to 1.38 billion by Mid April this year from five financial institutions of the country.

This group has been brought into controversy in the recent days. For the same case, the parliamentary Account Committee has recommended the Seven Party Alliance to impeach against those Supreme Court Justices who gave verdict in the favor of this group. The SC Justices Arjun Bahadur Singh and Badri Kumar Basnet had ordered Nepal Bankers Association Credit Information Bureau to delist the name of Binod Kumar Choudhary from the black list of bank loan defaulters. Choudhary had argued that as he had handed over the management of the Mills to Kanaudiya, his name be delisted.

In another account, Kanaudiya group also owes an outstanding due of 229 million rupees to Nepal Bank Limited.

Defaulter No. 9 Rohit (Rohit Prasad Shrestha Group)
This group is blacklisted by the credit Information bureau for many companies. Other members of this group are Chandra Laxmi shrestha, Sobhit Prasad Shrestha, Rahis Prasad Shrestha and Lal Prasad Shrestha. This group also owns Triveni pet containers, Bagmati Khandsari Sugar Factory and Rohit Brothers. It owes 490 million rupees to the Nepal Bank Limited.

Defaulter No. 10 Mahendra Sugar (Pathak group)
The Pathak group that owns Mahendra Sugar and General Industry is the tenth in the list. It owes 480 million rupees to the Nepal Bank Limited. The members of this group are Bimala Devi Pathak, maitra Devi Pathak, Prabin Dev Pathak and Santa Dev Pathak.

Following is the list of other ‘honored’ industrialists of the nation who could not come to this list but made their position in the top 53 in the August 15 release by Nepal Rastra Bank.

Defaulter no. 11. Universal Leather Industries Rs. 377 million (RBB)

Defaulter no. 12. Kishore Pradhan Rs. 373 million (RBB)

Defaulter no. 13. J.P. Group Rs. 368 million (RBB)

Defaulter no. 14. L.P. Acharya Rs. 284 million (NBL)

Defaulter no. 15. Drabyaratna Rs. 260 million (RBB)

Defaulter no. 16 Tib Trade Rs. 256 million (RBB)

Defaulter no. 17 Mohan Sahani Rs. 248 million (NBL)

Defaulter no. 18. Greenwich Village Hotel Rs. 246 million (RBB)

Defaulter no. 19. Baba Rs. 241 million (RBB)

Defaulter no. 20 Kanaudiya Group Rs. 229 million (NBL)

Defaulter no. 21. Brighter Rs. 219 million (RBB)

Defaulter no. 22. New Mittal Rs. 195 million (RBB)

Defaulter no. 23. Space Time Network Rs. 179 million (RBB)

Defaulter no. 24. Lalbani Rs. 179 million (RBB)

Defaulter no. 25. Nepal Professional Garment Rs. 177 million (RBB)

Defaulter no. 26. Ashok Textile Industries Rs. 160 million (RBB)

Defaulter no. 27. B.P. Lohani Rs. 160 million (NBL)

Defaulter no. 28. Ram Kumar Bhadrapuria Rs. 156 million (RBB)

Defaulter no. 29. Milan Group Rs. 154 million (NBL)

Defaulter no. 30. PKSK Group Rs.153 million (NBL)

Defaulter no. 31. Himalyan Brewery Limited Rs. 152 million (RBB)

Defaulter no. 32. Prakash Tibadewala Rs. 143 million (RBB)

Defaulter no. 33. Gorakhkali Rubber Industry Rs. 137 million (RBB)

Defaulter no. 34. Vaishali Hotel Rs. 137 million (RBB)

Defaulter no. 35. Hotel Oriental Rs. 125 million (NBL)

Defaulter no. 36. Cross country Nepal Hotel Rs. 121 million (RBB)

Defaulter no. 37. Dhaulisati Rs. 112 million (RBB)

Defaulter no. 38. Nakarmi Group Rs. 109 million (NBL)

Defaulter no. 39. N.K. Sarraf Rs. 103 million (NBL)

Defaulter no. 40. Atmaram Group Rs. 91.3 million (NBL)

Defaulter no. 41. Annapurna Textile Rs. 85 million (NBL)

Defaulter no. 42. D and D Clothing Pvt. Ltd. Rs. 83 million (RBB)

Defaulter no. 43. Khatri and Company Rs. 70.6 million (NBL)

Defaulter no. 44. Lalbani Group Rs. 50.7 million (NBL)

Defaulter no. 45. Cross Country Nepal Hotel Rs. 41.1 million (NBL)

Defaulter no. 46. Golcha Group Rs. 23.5 million (NBL)

Defaulter no. 47. L.B. Shrestha Rs. 22.7 million (NBL)

Defaulter no. 48. Hotel Tara Gaon Rs. 14.5 million (NBL)

Defaulter no. 49. Jyoti Group Rs. 7.09 million (NBL)

Defaulter no. 50. Indrasen Agrawal Rs. 3.74 million (NBL)
(Three have been overlapped because above mentioned three out of top ten groups took the loan from both the banks)

(Source:http://www.gorkhapatra.org.np/content.php?nid=1319, date of assessment Oct. 31, 2006/Also available in The Rising Nepal, August 16, 2006)

26 thoughts on “Evils of the nation: Top Ten defaulters uncovered

  1. Hiya, I’m really glad I’ve found this info. Today bloggers publish just about gossip and web stuff and this is actually frustrating. A good blog with exciting content, this is what I need. Thanks for making this web-site, and I’ll be visiting again. Do you do newsletters by email?

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  3. Hiya, I am really glad I’ve found this information. Nowadays bloggers publish just about gossip and net stuff and this is really frustrating. A good blog with interesting content, this is what I need. Thank you for making this site, and I will be visiting again. Do you do newsletters by email?

  4. Dear Anonymous,Dr. Goh is the main architect of our ecmnooic well being and for one, he is not power crazy. If you understand the historic significance of development ecmnooics, you would understand that Dr. Goh is one who walks right in front of other development economist. In the era of protectionism back then, Dr. Goh is one who really have the courage to try out untested trade theory which largely benefited us, as a small country economy. While other countries are caught in the fever of protectionism, he has the foresight to lead Singpaore to walk a totally different route. Thus, our ecmnooic success for the past decades. Most importantly, he does not request or require million dollar pay to do his job. As an ecmnooic undergraduate back in the early 90s, I have the opportunities to go through many of his works, mostly govt publications as in White Paper. He is truly a genius, though also a human that could make mistakes. But if you ask me, I would say he has done more good than harm by his occassional errors to Singapore.I would say that Singapore would not have achieved what it has today ecmnooically, if we do not have the dedicated service of Dr. Goh to this Nation. If you really want to make comparisons, I would say that none other ministers back then, including LKY, could surpass the contributions made by Dr. Goh in all aspects of Singapore’s development, be it building of Jurong Industrial Park, liberalising our tarriffs, to HDB, to our Defence ministry etc. Goh Meng Seng

  5. where is the person L.B.Shrestha who is in defrauder lists in 47 number but has taken much more money than that . if any info.on him will give rs.1 lakh . of the amont that i have borrowed.

  6. #5 from EU’s defaulter list has got the arrest warrant. But he will never go to jail as he can buy judges and ministers. As you all know everything is on sale in Nepal – including law and order.

  7. Hey Tsering – I read your comments at EU. I do not know why the EU people are not responding. I guess they do not. I see your original comments here though – scroll up. I like the Tibetan business people – they are better than Marvari from India.

    Yestai Ho

  8. I posted notes couple of days before regarding Tibetans honesty in business in Nepal.

    I would prefer to believe that you either forgot or is yet to check the discussion board to be approved for posting instead of intentionally not listing.


  9. I heard that Mahesh Acharya, then Congress Finance Minister, helped Chandi Dhakal get the loan with fraud collateral. Mahesh Acharya should be punished too.

  10. Hello all,
    I am so proud to be a Tibetan. We Tibetans have been doing business in Nepal since our families took refuge in Nepal some 40 years ago.

    And many Tibetas run large scale business much like any other but have been very honest and sincere to the country and people.
    None have made to BLACK-LIST, even though many have taken financial assistances from various institutions.
    My own family, even at worst, always made sure that we pay our dues monthly/quarterly to Banks regardless of our business performances.
    PS: my intention of posting this is not to bash any people but rather acknowledge sincerity of our people and also to remind that we Tibetan make every effort in being best to our host. And it is so unfortunate that many Tibetans are leaving Nepal for The U.S, Canada, A-NZ and some European countries mainly due to unnecessary pressure exhaled on us by various political parties, local organization and lately community too.
    We wish best and peace in Nepal like any citizen of this country.

  11. Dear Indra,
    Great job………
    Sure it should be a herculean effort you put to the job. A feather onto your head.
    Revealing the secrets of these crooks is not only a job of professional journalist but a dutiful citizen.I as a media student feel jealous of your courage.Media in Nepal is in the grip of corrupts.The rise of professionalism in the journalism is rather overshadowed by the intents of ‘Trade’than that of its societal role.Shame on the Kantipur network who boast of being the watchdog.Let all from other media be inspired: if they can’t expose the open secrets on the burning national issues, they should hide their faces and stop pretending to be so called high profiled.
    The only solution to raise awareness could be to get organised and start campaigning against such evils.You have already started the job.I am one of the organised members to yell out on top of my voice against any social evils.
    Can we think of bringing the debate to the greater horizons?
    Can EveUn think of making some print copies of this article and distribute them ,besides others, even to the Chatpate sellers so that the children of such crooks while savouring such stuffs come across the ugliest face of their parents?
    Lets boycutt them.

  12. Certainly, I agree that the staffs at those two banks are no less guilty for the evil. It has been to some extent uncovered in Mangaturam case also. But still, I know it is not sufficient. Maybe one day, the Everest Uncensored will dig beneath the status of those bureaucratic evils at the banks. While, undergoing the abive study, I came to find that a group of staffs at the Rastriya Banijya Bank has been so much involved in such evil that the CIAA has filed eighteen cases aainst the group and all of them have been succeeded. Let’s expect, some day, they will also be exposed.

  13. We are introducing pod-casting platform at EverestUncensored.org so that audio files for unconventional news and bribe related activity can be posted by all bloggers. Stay tuned…


  14. You’ve done a great job by collecting this information. As defaulting is not something surprising in the lending history of Nepal but I guess this kind of publicity helps prevent future defaults to some extent. I also believe that executive branch of lending companies is directly and indirectly involved in creating defaulters. They lend pre-knowingly the fact that borrowers would not be able to pay back. And why is that? Because it’s good commission. They know well that the fixed assets (mostly land and houses) deposited in support of loan are fabricated in values and even location. Borrowers deposit lands from Kabre but show the lenders some other land in Katmandu with more values just to complete legal process. And yet, banks lend them not even knowing the fact that if the deposited asset is still in existence. They finally wrap up, borrowers get their money, lenders get commission, borrowers stop paying, lenders go after their assets and hardly collect less than 20% of the original loan amount. So, I don’t want to hesitate to put some blame on executives of lending companies. Also, if we roll about 8 years back and see, we have the same policy makers and the executives with high commission drive in power today. Massive reconstruction in executive level and harsh punishment against commission friendly is equally mandatory for default setback. FYI, I’ll be posting a conversation (it was taped) between a lending agent and borrower about commission, fabricated values and more in the near future who was able to borrow 7 karods that was never used for targeted purpose. Thanks

  15. Indra and EU team – please keep on trying. It will take a while to get message to the public and eventually to these looters. You guys will win. Do not give it up. Anyhting desruptive to mainstream idea does not easily get accepted. You all will be heard. Patience will pay off. I am sure Rudra Pandey knows about this very well. He won’t give up easily.


  16. When Rudra Dai gave me the idea to uncover the social status of those evils who have amassed millions of people’s money and recklessly used for their personal luxury, It was really a daring task. None of the mainstream media ever dared to go to uncover their status, with the fear that their source of revenue may get dry. Hence, despite some sorts of professionalism in Nepali media, such a grave issue ever remained ignored. I thought why not to go after them. It took me many days to collect the information.

    After all, it was very difficult to seek someone’s personal property, because it is individual’s right to privacy not to reveal their properties unless as obliged by the law. That’s why, it was very difficult to gather information. However, I did the story on as much information I could get.

    There was again confusion while posting. But I thought, when we are tempted to hear good things about us, we in journalism, need to be prepared for scolds as well. Now, I am sorry that there is only good about the story on the comments. I was expecting their reaction. Is it because none of them who were targeted for reaction read the story?

    I am still hopeful, some day, they will react over this story.

  17. Great job on exposing these crooks (and that too with photographs)! My hats off to you! All the check and balance mechanisms in Nepal have had failed. It is an absolute fact that these crooks have financial influence on media, government and our judicial system. That is why we Nepali will not be surprised if these defaulters will be spared from their heinous crimes in the days ahead. Defaulting loan of this size and inability of our government, media and judiciary to take any action to these crooks is deplorable. It is tantamount to economic suicide for financial system in our nation. Equally responsible and deserving punitive action are those who made loans to these defaulters without any strict evaluation of the collateral against the loan. Any prudent bankers before issuing loan carefully weigh lending risk. These bankers most likely under the influence of bribe or the pressure from the politicians or from their superiors issued loans to these criminals. They knew that the loan was not returning to the bank’s vault. It was gone for good putting the entire financial system in ruins. If the size of the bank default accounts for 17% of the annual budget of the nation, the already beleaguered economy is heading towards total collapse. Inability to take actions against egregious crime of this magnitude is jaw dropping and appalling. All parties involved in this crime should be brought to justice.

  18. Great Job!
    They all represent looters.It is all because of the Feudal society and that system is led and protected by Monarchy.I am pretty sure Royal family must have actively involved in such act.


  19. Good comment Yograj. I think mainstream media are under control by these business mafia who have looted the country and publication house like Kantipur survive with advertisement from these busienss owner. They have no courage to publish things like this.


  20. Good job Indra.
    Being a student of management i m really touched by this news. i m confused i m leaving in a country or just with in a so called one doesnt a country has rules and regulation or it is only for grtassroot people. Its a challenge to the so called strong Media of our country. hey! can u publish it !!!!!! or penalise indra if he has written wrong?

  21. Thank, Indra-ji,
    Here in Nepal we normally say, businessmen are corrupt, Judges are corrupt, or say policemen are corrupt, so and so, but nobody dares to say which policeman, judge or businessman is corrupt. All judges, policemen, businessmen or civil servant are NOT CORRUPT. You have done very well job by naming them WHO ARE CORRUPT.

  22. Good job Indra. These thieves must be punished. They have looted money from the poorest Nepalese and they deserve to be behind the bar from 500 years becuase they have defaulted by intent and siphoned money to other ventures or sent across the boarder line. Look at Chandi Dhakal – shame on him. What a bozo he is. Looters like him should be exposed without any mercy. You did a great job positng this article here. I did nto know about Chandi’s loan. He talks so much about DESH PREM and stuffs. His father-in-law I guess has a big time congress connection. Politicians have been saving these thrieves.

    Yestai Ho

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