SBI Mangaluru to organise Home Loan and Car Loan Utsav on January 24
Mangaluru (Press Release): SBI Mangaluru Centre is organizing a Home Loan and Car Loan Utsav at St. Sebastian Platinum Jubilee Hall, Bendoorwell, Mangaluru on 24th January 2021.
SBI, India’s largest bank is the only Indian Bank among FORTUNE – 500 list. SBI’s Home loan portfolio is the largest in the country with a Market Share of 31% as of 31.03.2020 amongst All Scheduled Commercial Banks. SBI Offers Home Loans linked to the Repo Rate to ensure transparency in monetary transmissions to Home Loan customers.
To celebrate New Year after the COVID impact, the State Bank of India is offering a 100% waiver in processing fees for all Housing Loans and in respect of Car loans on applying through YONO Digital Platform by the customers.
SBI is providing Home Loans at the lowest rate in the market starting at 6.80% p.a. SBIs car loan is also at the lowest in the market starting at 7.50% p.a. which is fixed throughout the tenure of the loan.
Bank will be providing an in-principle letter of sanctions at the Utsav venue for Home loans and Car loans.
By organizing the Utsav, SBI is facilitating reputed Builders and Car Dealers to showcase their properties and display various Car models and offer special discounts to customers.
SBI welcomes one and all with their family and friends to SBI Home and Car Loan Utsav 2021 to fulfill their dream of owning their Sweet Home and dream car.
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Shobha Karandlaje urges Governor to withhold assent to Karnataka hate speech bill
Bengaluru (PTI): Union Minister of State Shobha Karandlaje on Friday urged Governor Thaawarchand Gehlot to withhold assent to the Karnataka Hate Speech and Hate Crimes (Prevention) Bill, 2025, terming the Bill "vague, overbroad, and susceptible to misuse".
She also requested him to reserve the Bill for the consideration of President Droupadi Murmu under Article 200 of the Constitution of India, in the larger interest of constitutional governance, democratic freedoms, and the rule of law.
The bill, passed by both houses of the legislature, will be sent to the Governor for his assent.
Taking to social media 'X', the minister said, "The Karnataka Hate Speech and Hate Crimes (Prevention) Bill 2025 hands the State sweeping authority to silence opposition voices, restrain the media, and intimidate the citizens who defend Karnataka's land, language, and Dharma. This isn't a hate speech prevention bill, it's rather a bill that prevents the right to speech." "We will not let Congress turn the law into a tool to choke free speech and democratic dissent," she added.
In a letter to the governor, Karandlaje said the objective of the Bill is to address hate speech and hate crimes. However, upon careful examination, it becomes evident that the Bill, in its present form, establishes a "State-controlled mechanism" for monitoring, assessing, and penalising speech, rather than narrowly addressing expression that poses a clear and imminent threat to public order.
"The structure of the Bill enables executive authorities to determine the permissibility of expression, thereby transforming the law into a tool capable of suppressing voices critical of the government. Such an approach undermines the constitutional guarantee of democratic dissent and free expression," she said.
Citing reference of article 19(1)(a) of the Constitution of India that guarantees freedom of speech and expression to every citizen, she said, "The Bill departs from these constitutional limits by employing broad, vague, and subjective expressions such as "disharmony," "ill-will," and "prejudicial interest," which are not precisely defined. These terms confer excessive discretion on the Executive, enabling arbitrary and selective enforcement, which is inconsistent with constitutional safeguards."
She said the constitutional infirmities of the present Bill must be examined in light of the Supreme Court's judgment in Shreya Singhal v. Union of India, (2015), wherein the Court held that any law regulating speech must be clear, narrowly tailored and free from vagueness.
The minister alleged that the Bill further authorises executive authorities and law-enforcement agencies to assess and act upon speech without adequate judicial oversight. Penal consequences are linked to executive assessment, thereby concentrating investigative and adjudicatory functions within the Executive.
"Such an arrangement erodes procedural safeguards and is inconsistent with constitutional principles governing the protection of fundamental rights," she alleged.
Karandlaje also pointed out the potential impact of the Bill on "historically marginalised" and "constitutionally protected" voices.
"The vague and expansive language of the legislation is capable of being invoked to silence Kannada language activists, women's organisations, representatives of Scheduled Castes and Scheduled Tribes, backward classes, minorities, journalists, student groups, and civil society organisations that raise issues of governance, social justice, or administrative accountability," she said.
Instead of empowering vulnerable communities, according to the minister, the Bill risks becoming an instrument to deter them from articulating grievances and participating meaningfully in public discourse, thereby defeating the very constitutional promise of equality, dignity, and inclusive democracy.
The minister alleged that the cumulative effect of the Bill is likely to create a "pervasive chilling effect" on public discourse, which is incompatible with democratic governance.
Pointing out that the Bill directly impacts fundamental rights guaranteed under Part III of the Constitution, she said, "In view of the serious constitutional questions it raises, this is a fit case for the exercise of constitutional discretion under Article 200. Reserving the Bill for the consideration of the President would enable a broader constitutional examination of its implications for civil liberties and the federal constitutional balance."
