The government of India has implemented two popular programmes for Indian citizens:
1) cashless and paperless economy or digital money transactions by the citizens.’ Digital India programme is a flagship programme of the government of India’ and
2) opening of zero balance savings accounts in the bank by every more than 10 years old citizen, literate or illiterate.
Digital money transactions by the citizens are grouped under ten categories:
1) credit card/debit card/cash card, etc.,
4) mobile wallet,
5) banks prepaid card,
6) points of sale,
7) internet banking,
8} mobile banking and
9) micro ATMs and
(For details of these two major programmes,visit:cashlessindia.gov.in and pmjdy.gov.in)
In pursuance of the first scheme, employers of unorganized or informal workers are mandatorily to be made to pay their employees’ wages by credit in their bank accounts by amending Section 6 of the Payment of Wages Act,1936.
In pursuance of the second scheme, all unorganized employees can and will open their zero balance savings accounts in banks, as the scheme is for their benefit.
The unorganized workforce is the largest in India, that is, about 93 percent of the nearly 500 million workforce(Deccan Herald dated 14-10-2017).
Once the employees’ wages are mandatorily paid by crediting in their bank accounts, the law enforcing inspector will check the employees’ wage register with their bank passbooks/account statements. If he finds in the employee’s bank passbook/account statement payment of less wages than the legal wages or non-payment of the wages, he has the perfect and unchallengeable documentary proof of the offence(in the form of employee’s bank passbook/account statement) committed by the employer and can prove the offence easily in the criminal court. The oral corroborative evidence of the elusive and uncooperative witnesses is not required for proving the employer’s offense.
The suggested amended payment of wages law will enable the inspector effectively to enforce the wage payment law and to do full justice to the largest section of the workforce in India, the unorganized or informal employees.