#FactCheck -Old Video of Former CEC Rajiv Kumar Misleadingly Linked to Recent West Bengal Election Results

Introduction

Google India announced sachet loans on the Google Pay application to help small businesses in the country. Google India said that merchants in India often need smaller loans, hence, the tech giant launched sachet loans on the Gpay application. The company will provide loans to small businesses, which can be repaid in easier repayment instalments. To provide the load services, Google Pay has partnered with DMI Finance. This move comes at the Google for India, 2023, the flagship event to launch the Indian interventions planned by the big tech. 

What is a Sachet Loan? 

The loan system is the primary backbone of the global banking system. Since we have seen a massive transition towards the digital mode of transactions and banking operations, many online platforms have emerged. With the advent of QR codes, the Unified Payment Interface (UPI) has been rampantly used by Indians for making small or petty payments. Seeing this, Sachet loans made an advent as well, Sachet loans are essentially small-ticket loans ranging from Rs 10,000 to Rs 1 lakh, with repayment tenures between 7 days and 12 months. This nano-credit addresses immediate financial needs and is designed for swift approval and disbursement. Satchel loans are one of the most sought-after loan forms in the Western world. The ease of accessibility and easy repayment options have made it a successful form of money lending, which in turn has sparked the interest of the tech giant Google to execute similar operations in India. 

Google Pay

Pertaining to the fact that UPI payments are the most preferred form of online payment, google came out with GPay in 2013 and now enjoys a user base of 67 million Indians. Google Pay has a 36.10% mobile application market share in India, and 26% of the UPI payments made have been through Google Pay. Google Pay adoption for in-store payments in India was higher in 2023 than it was in early 2019, signalling a growing use among consumers. The numbers shown here refer to the share of respondents who indicated they used Google Pay in the last 12 months, either for POS transactions with a mobile device in stores and restaurants or for online shopping. Eight out of 10 respondents from India indicated they had used Google Pay in a POS setting between April 2022 and March 2023, with an additional seven out of 10 saying they used Google Pay during this same time for online payments.

Pertaining to the Indian spectrum, the following aspects should be kept into consideration: 

• PhonePe, Google Pay and Paytm accounted for nearly 96% of all UPI transactions by value in March
• PhonePe remained the top UPI app, processing 407.63 Cr transactions worth INR 7.07 Lakh Cr
• While Google Pay and Paytm retained second and third positions, respectively, Amazon Pay pushed CRED to the fifth spot in terms of the number of transactions
• Walmart-owned PhonePe, Google Pay and Paytm continued their dominance in India’s UPI payments space, together processing 94% of payments in March 2023.
• According to data from the National Payments Corporation of India (NPCI), the top three apps accounted for nearly 96% of all UPI transactions by value. This translates to about 841.91 Cr transactions worth INR 13.44 Lakh Cr between the three apps.

Conclusion

The big tech giant Google.org has been fundamental in creating and provisioning best-in-class services which are easily accessible to all the netizens. Satchel loans are the new services introduced by the platform and the widespread access of Gpay will go a long way in providing financial services and ease to the deprived and needy lot of the Indian population. This transition can also be seen by other payment portals like Paypal and Paytm, which clearly shows India's massive potential in leading the world of online banking and UPI transactions. As per stats, 40% of global online banking transactions take place in India. These aspects, coupled with the cores of Digital India and Make in India, clearly show how India is the global destination for investment in the current era.  

References

• https://www.livemint.com/companies/news/google-enters-retail-loan-business-in-india-11697697999246.html
• https://www.statista.com/statistics/1389649/google-pay-adoption-in-india/#:~:text=Eight%20out%20of%2010%20respondents,same%20time%20for%20online%20payments
• https://playtoday.co/blog/stats/google-pay-statistics/#:~:text=67%20million%20active%20users%20of%20Google%20Pay%20are%20in%20India.&text=Google%20Pay%20users%20in%20India,in%2Dstore%20and%20online%20purchases.
• https://inc42.com/buzz/phonepe-google-pay-paytm-process-94-of-upi-transactions-march-2023/

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Introduction

Over-the-Top (OTT) streaming platforms have become a significant part of Indian entertainment consumption, offering users the ability to watch films, web series, and short-format videos directly online. These platforms operate on a subscription-based model, allowing for creative freedom, but they also lack clear accountability. On certain platforms, some content has been criticised for focusing on sensational or sexually explicit themes, particularly targeting young viewers seeking risqué entertainment. Such applications lack strong age verification mechanisms and offer ‘user access’ with minimal restrictions, which raises serious concerns about exposure to obscene content. This has triggered serious concerns among regulators, civil society organisations, advocacy and parental groups about the accessibility of such material and its potential influence, especially on minors.

Blocking order issued by the Ministry of Broadcasting and Information (MIB)

On 23rd July 2025, the Government of India, invoking powers under the Information Technology Act, 2000, and the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, has issued a ‘blocking order’ against 25 OTT platforms. A total of 26 websites and 14 mobile applications of the said OTT platforms were on the list, including several prominent OTT platforms for alleged distribution of obscene, vulgar and pornographic content in some cases.  This regulatory action follows previous statutory advice and repeated warnings to the platforms in question, some of which continued to operate through new domains and disobeyed Indian laws and regulations. 

This action was taken by the Ministry of Broadcasting and Information (MIB) in consultation with Ministry of Home Affairs, Ministry of Women and Child Development, Ministry of Electronics and Information Technology, Department of Legal Affairs, industry bodies and experts in the field of women rights and child rights.

The list of OTT Platforms covered under the said ‘Blocking Order’

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The list includes - Big Shots App, Desiflix, Boomex, NeonX VIP, Navarasa Lite, Gulab App, Kangan App, Bull App, ShowHit, Jalva App, Wow Entertainment, Look Entertainment, Hitprime, Fugi, Feneo, ShowX, Sol Talkies, Adda TV, ALTT, HotX VIP, Hulchul App, MoodX, Triflicks, Ullu, and Mojflix. 

The government has explicitly directed Internet Service Providers (ISP’s) to disable or remove public access to these websites within India.

Recent Judicial and Centre’s Interventions

• To refresh the memory, last year in March 2024, the Ministry of I&B blocked 18 OTT Platforms for Obscene and Vulgar Content. 
• In April 2025, the Apex Court of India heard a petition on the prohibition of streaming of sexually explicit content on over-the-top (OTT) and social media platforms. In response to the petition, the Apex court stated, ‘It's not our domain, the centre has to take action and highlighted the need for executive action in the matter. The apex court has also issued notice to the Centre, OTT platforms, as well as social media platforms in response to a petition seeking a ban on sexually explicit content. (Uday Mahurkar & Ors. v. Union of India & Ors. [WP(C) 313/2025])
• The following recent blocking order dated 23rd July 2025 by the Ministry of I&B is a welcome and commendable step that reflects the government’s firm stance against illicit content on OTT platforms. Kangana Ranaut, Actress and politician, while speaking to a news agency, has appreciated the government's move to ban OTT platforms such as Ullu, ALTT, and Desiflix for showing soft porn content.

Conclusion

The centre’s intervention sends a clear message that OTT platforms cannot remain exempt from accountability. The move is a response to the growing concern of harms caused by unregulated digital content and non-compliances by the platforms, particularly in relation to illicit material, and broader violations of decency laws in India. However, the enforcement must now go beyond issuing orders and require a robust measurable compliance framework for OTT platforms. 

In today’s fast-paced era, when subscription-based content platforms place vast libraries at users' fingertips, the government's action is necessary and proportionate, marking a decisive step toward safer digital and healthy regulated environments.

References

• https://www.newsonair.gov.in/govt-bans-25-ott-websites-apps-over-vulgar-and-pornographic-content/
• https://timesofindia.indiatimes.com/technology/tech-news/big-shots-ullu-altt-desiflix-mojflix-and-20-other-ott-apps-banned-what-governments-ban-order-says/articleshow/122918803.cms
• https://www.ndtv.com/india-news/centre-bans-ott-platforms-ullu-altt-desiflix-for-obscene-content-8947100
• https://foxmandal.in/News/sc-takes-note-of-obscenity-plea-issues-notice-to-ott-platforms/
• https://www.morungexpress.com/kangana-ranaut-calls-banning-ott-platforms-for-soft-porn-content-a-much-appreciated-move
• https://www.livemint.com/news/india/do-something-supreme-court-to-centre-ott-platforms-on-obscene-content-pil-netflix-amazon-prime-ullu-altt-x-facebook-11745823594972.html

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Introduction

Assisted Reproductive Technology (“ART”) refers to a diverse set of medical procedures designed to aid individuals or couples in achieving pregnancy when conventional methods are unsuccessful. This umbrella term encompasses various fertility treatments, including in vitro fertilization (IVF), intrauterine insemination (IUI), and gamete and embryo manipulation. ART procedures involve the manipulation of both male and female reproductive components to facilitate conception.

The dynamic landscape of data flows within the healthcare sector, notably in the realm of ART, demands a nuanced understanding of the complex interplay between privacy regulations and medical practices. In this context, the Information Technology (Reasonable Security Practices And Procedures And Sensitive Personal Data Or Information) Rules, 2011, play a pivotal role, designating health information as "sensitive personal data or information" and underscoring the importance of safeguarding individuals' privacy. This sensitivity is particularly pronounced in the ART sector, where an array of personal data, ranging from medical records to genetic information, is collected and processed. The recent Assisted Reproductive Technology (Regulation) Act, 2021, in conjunction with the Digital Personal Data Protection Act, 2023, establishes a framework for the regulation of ART clinics and banks, presenting a layered approach to data protection.

A note on data generated by ART

Data flows in any sector are scarcely uniform and often not easily classified under straight-jacket categories. Consequently, mapping and identifying data and its types become pivotal. It is believed that most data flows in the healthcare sector are highly sensitive and personal in nature, which may severely compromise the privacy and safety of an individual if breached. The Information Technology (Reasonable Security Practices And Procedures And Sensitive Personal Data Or Information) Rules, 2011 (“SPDI Rules”) categorizes any information pertaining to physical, physiological, mental conditions or medical records and history as “sensitive personal data or information”; this definition is broad enough to encompass any data collected by any ART facility or equipment. These include any information collected during the screening of patients, pertaining to ovulation and menstrual cycles, follicle and sperm count, ultrasound results, blood work etc. It also includes pre-implantation genetic testing on embryos to detect any genetic abnormality. 

But data flows extend beyond mere medical procedures and technology. Health data also involves any medical procedures undertaken, the amount of medicine and drugs administered during any procedure, its resultant side effects, recovery etc. Any processing of the above-mentioned information, in turn, may generate more personal data points relating to an individual’s political affiliations, race, ethnicity, genetic data such as biometrics and DNA etc.; It is seen that different ethnicities and races react differently to the same/similar medication and have different propensities to genetic diseases. Further, it is to be noted that data is not only collected by professionals but also by intelligent equipment like AI which may be employed by any facility to render their service. Additionally, dissemination of information under exceptional circumstances (e.g. medical emergency) also affects how data may be classified. Considerations are further nuanced when the fundamental right to identity of a child conceived and born via ART may be in conflict with the fundamental right to privacy of a donor to remain anonymous. 

Intersection of Privacy laws and ART laws: 

In India, ART technology is regulated by the Assisted Reproductive Technology (Regulation) Act, 2021 (“ART Act”). With this, the Union aims to regulate and supervise assisted reproductive technology clinics and ART banks, prevent misuse and ensure safe and ethical practice of assisted reproductive technology services. When read with the Digital Personal Data Protection Act, 2023 (“DPDP Act”) and other ancillary guidelines, the two legislations provide some framework regulations for the digital privacy of health-based apps.

The ART Act establishes a National Assisted Reproductive Technology and Surrogacy Registry (“National Registry”) which acts as a central database for all clinics and banks and their nature of services. The Act also establishes a National Assisted Reproductive Technology and Surrogacy Board (“National Board”)  under the Surrogacy Act to monitor the implementation of the act and advise the central government on policy matters. It also supervises the functioning of the National Registry, liaises with State Boards and curates a code of conduct for professionals working in ART clinics and banks. Under the DPDP Act, these bodies (i.e. National Board, State Board, ART clinics and banks) are most likely classified as data fiduciaries (primarily clinics and banks), data processors (these may include National Board and State boards) or an amalgamation of both (these include any appropriate authority established under the ART Act for investigation of complaints, suspend or cancellation of registration of clinics etc.) depending on the nature of work undertaken by them. If so classified, then the duties and liabilities of data fiduciaries and processors would necessarily apply to these bodies. As a result, all bodies would necessarily have to adopt Privacy Enhancing Technologies (PETs) and other organizational measures to ensure compliance with privacy laws in place. This may be considered one of the most critical considerations of any ART facility since any data collected by them would be sensitive personal data pertaining to health, regulated by the Information Technology (Reasonable Security Practices And Procedures And Sensitive Personal Data Or Information) Rules, 2011 (“SPDI Rules 2011”). These rules provide for how sensitive personal data or information are to be collected, handled and processed by anyone.

The ART Act independently also provides for the duties of ART clinics and banks in the country. ART clinics and banks are required to inform the commissioning couple/woman of all procedures undertaken and all costs, risks, advantages, and side effects of their selected procedure. It mandatorily ensures that all information collected by such clinics and banks to not informed to anyone except the database established by the National Registry or in cases of medical emergency or on order of court. Data collected by clinics and banks (these include details on donor oocytes, sperm or embryos used or unused) are required to be detailed and must be submitted to the National Registry online. ART banks are also required to collect personal information of donors including name, Aadhar number, address and any other details. By mandating online submission, the ART Act is harmonized with the DPDP Act, which regulates all digital personal data and emphasises free, informed consent.

Conclusion

With the increase in active opt-ins for ART, data privacy becomes a vital consideration for all healthcare facilities and professionals. Safeguard measures are not only required on a corporate level but also on a governmental level. It is to be noted that in the 262 Session of the Rajya Sabha, the Ministry of Electronics and Information Technology reported 165 data breach incidents involving citizen data from January 2018 to October 2023 from the Central Identities Data Repository despite publicly denying. This discovery puts into question the safety and integrity of data that may be submitted to the National Registry database, especially given the type of data (both personal and sensitive information) it aims to collate. At present the ART Act is well supported by the DPDP Act. However, further judicial and legislative deliberations are required to effectively regulate and balance the interests of all stakeholders.

References

• The Information Technology (Reasonable Security Practices And Procedures And Sensitive Personal Data Or Information) Rules, 2011
• Caring for Intimate Data in Fertility Technologies https://dl.acm.org/doi/pdf/10.1145/3411764.3445132 
• Digital Personal Data Protection Act, 2023
• https://www.wolterskluwer.com/en/expert-insights/pharmacogenomics-and-race-can-heritage-affect-drug-disposition