Janki, Renu , lakshmi and Rajni have been waiting for their accounts to be opened for atleast six months now. They had furnished the necessary documents and were assured by the bank mitra who had visited their locality that their account details and other pre-requisites would be sent to them via post. Although Janki had received other requisites, her PIN number. For her RuPay Debit card was not disclosed on going to the bank. All four of them visited the banks they had opened their accounts in, but to no avail. They were pacified by reassurances which did not bear fruit.