Stop deducting money due to insufficient balance in bank accounts.
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We cannot maintain the minimum balance prescribed by the banks means we cannot afford. Digital India doesn't mean poor India where poor is actually turning out to be poorer day by day. If we don't have money, out government policies should help, instead of deducting from what we have. Banks are utilizing our earnings for their business. If we unite and close our bank accounts, could they survive? They and our finance ministry should definitely think on it.
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