..........The plan was to encourage middle-class investors to branch out to other, more attractive financial sector investments ranging from equity to pure play debt products like pension schemes. The remedy, instead, let fraud organisations like Saradha and others prosper. One of the elements of the government plan was to dismantle the National Savings Organisation (NSO), which ran all the state-run small savings schemes. The option was for the states to run them as they saw fit. The states except West Bengal saw no need to advertise and more significantly pay high agency commissions to mobilise money they did not need..........
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