All your Economic Questions Answered - Ammar Habib Khan on Default and the Pol Economy -
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- เผยแพร่เมื่อ 15 มิ.ย. 2024
- With everybody talking about the Economy, Default and Inflation - Economist Ammar Habib Khan comes on TPE to break down all these concepts for you in a way that everyone can understand.
Ammar simplifies the most complex ideas; where we are, what went wrong and what we need to do.
Ammar Habib Khan has a Masters in Macroeconomic Policy, he is a Risk Manager and Energy Economist.
Will Pakistan default?
How to fix the Economy?
Why the Sehat Card failed?
Find out this and more on this week's episode of The Pakistan Experience
The Pakistan Experience is an independently produced podcast looking to tell stories about Pakistan through conversations.
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The podcast is hosted by comedian and writer, Shehzad Ghias Shaikh. Shehzad is a Fulbright scholar with a Masters in Theatre from Brooklyn College. He is also one of the foremost Stand-up comedians in Pakistan and frequently writes for numerous publications.
shehzadghiasshaikh
Facebook.com/Shehzadghias/
shehzad89
Chapters:
0:00 intro
01:06 Barcelona & Karachi and what it means to Default
14:26 lack of talent & brain drain, IMF agreement, Ishaq Dar & fuel subsidy
24:04 Russian Oil, inefficiency and gas prices, CNG policy
33:32 Water distribution issues & inefficient use, the textile industry and industrial policy & concessions
41:53 Govt intervention & elite capture, learning from mistakes, real estate & overheating the economy, gdp growth rates and number fudging
55:31 Amazon, incentive to produce, Pakistan’s branding, banks & risk/return, SME financing and low income housing scheme
1:04:30 Sehat Card, formalizing the economy and demonetizing currency, banking in Pakistan and India’s demonetization policy
1:22:35 keeping cash, UPI, Raast, incentivizing, and loan shark apps
1:27:15 Q&A - บันเทิง
Demonetisation happened in India 8th November, 2016 and not 10 yrs ago. And the PM's Jan Dhan Account Scheme for zero balance accounts was launched on 28th August 2014. Approximately 260 million additional bank accounts had been opened when demonetisation was announced.
What is your point sir ?
@@Critic224 The point is clear if you watch the podcast
@@dodiraj1 I did. But I guess you didn’t!
He said demonize over a period of time ( raat ke 8 baje)
And sorry! I don’t buy this argument that people would have taken bad advantage if the government had done it over a period of time because of a government is strong enough to envisage such schemes then it is also strong enough to enforce it! As for taking advantage, I personally know many who got their monies exchanged only because they had the right contacts.
PS - Inique ID scheme was launched by previous government and I remember, at that time, opposition (you know who) was against it tooth and nail… but this scheme came in real handy when they came to power! What an irony!
@@Critic224 I suggest you listen again. As for who was responsible for initiating which scheme, a Pakistani forum is the last place I would take you on
@@Critic224 no need to bug others. just watch it again and again until you get the connection between bank accts in 2014 & demonetization in 2016 on one side; and what was said in the podcast on the other side.
Jan-Dhan accts laid the ground for digital India, which in turn was accelerated by demonetization and later by Covid.
As for people with right contacts who managed to exchange hoarded cash, PM Modi castigated those responsible loud and clear.
A whole community of professional 'right contacts' also had their wings clipped somewhat later.
In India I feel like ages ago the last time I had used ATM. UPI is best
Yeah man, the last time I used cash to buy something was years ago.
I have been living without a wallet for some time now. Everything everywhere UPI
Cash ki need padti hi nhi kahi ............sab UPI lete h ab ......mujhe khud yaad nhi h jb atm use Kiya tha
@@krishnaSagar69 0:09 0:10 0:11 0:12 0:12 0:13 0:13 0:13
bruh i have no cash use for 5 years , every thing became digital after the covid and demonetization . i am happy for modi ji and thanks to ambani's jio revolution everything changed kudos to both of them . only socialist marxist gonna hate them . real people know their value.
Now this is called a Pakistani mind set. Asking for IMF loan but comparing Barcelona with karachi. Now this is called confidence. Bravo
And this is indian mindset making fun of Pakistan everytime to get feel better because china se compare krne ki aukat nhi hai
😂😂
Bhai the guest is comparing with sri Lanka during default stage. But he probably seems to be in some other world that Pakistanis are highly radicalized, their population is 225 million which is illiterate along with gun culture and bonus is they share border with Afghanistan. He presents a very rosy picture. You rightly said the confidence which Pakistanis have is just amazing.😂
😂😂😂😂 seriously itna confidence kaha seate hai ye log
Yes, well once one of our ministers compared Hyderabad with Tokyo. So, let's not get ahead of ourselves.
Only Pakistani podcast I listen being an Indian, giving us neutral insight into Pakistan lived experiences. Shukriya bhaijaan and Eid Mubarak ❤
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Tera Bhaijaan?
Same. Absolutely true.
@@induchopra3014 yes that is called as Islamic brotherhood concept, they don't have concept of country only ummat and universal brotherhood verse 😅
@@induchopra3014 Muslims only think their brothers and sisters are only Muslims and non-Muslims are not humans and will be as zimmi or slaves to Muslims. Its teaching of their religion Islam.
Petrol subsidy strategy was explained by your deputy finance minister and it seemed reasonable.
1. Petrol subsidy is linked to the NIC card of eligible people.
2. Each eligible person would be able to buy upto 10 liters of subsidized petrol in a month. But only 2 liters at a time. By capping liters available for subsidy at a time as well as in a month, you will minimize likelihood that person does not sell the petrol in open market since they actually need that much petrol for their own personal use.
3. The argument that a land cruiser owner will get more subsidy than scooter owners is flawed for 2 reasons. Land cruiser owner would not be eligible for subsidy and in any case total liters of subsidized petrol is only 10 liters per month.
4. The argument put forward that demand would expand at a lower price only holds true IF scooters and smaller cars got unlimited subsidized petrol. With subsidized petrol capped at 10 liters per month, the subsidy will not promote demand.
If I know this as an Indian woman interested in Pak economy and your expert doesn't, it shows you his level of expertise.
When he casually asked what will China do with Pakistsni port, he is clearly unaware of what they did to Sri Lanka's Hambantota port. They want to use it for Chinese navy for encircling India as part of string of pearls strategy.
Finally your guest talked about 3 types of loans in the context of default. But there is one more kind of loan repayment which is called operational credit. Money owed by Pakistsn to foreign airlines for service already rendered, to IPPs for electricity already consumed, to exporters whose goods have reached Pak shore but their LCs are not being retired, the Chinese company digging Thar coal who hasn't been paid. Pakistan has already defaulted on operational credit.
Your guest may be familiar with financial concepts but he is seriously deficient in operational knowledge needed to qualify as an expert. Very disappointed. Much lower standard than your usual guests.
Very well summarized.👍
10:15 Debt structuring of the Hambantota port was done in a way that it is now on a 99 years lease with the Chinese.... Bhai isko kabza Krna hi kehte h indirectly.....
Bhai ka US ke liye ticket booked hai lagta, he don't care no more
Lease expire bo jati hai tumhari 2 generations kay liyay hoga kabza bad mai nhi reh ga
@@vickyvickz1301 true😁
@@hassanabbasbhatti jaise Pakistan is a Chinese colony now ?😂
@@vickyvickz1301ol that’s what I felt Aisa baat kar raha Hai Ki default is nothing and we don't need to be worried...Jo ukhaad na Hai ukhaad lo
also india’s UPI system was is already operation for cross border payment in 22 countries and will be available all over world in future
Really good conversation. Thank you. Thank you also for taking in my questions. This was great education, Shehzad. More power to you.
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Good podcast regards from all India jalebi association🇮🇳🇮🇳🇮🇳
Demonetization in India was backed by the fact that there was digital payment infrastructure already in place.
Which also happens to be a robust and reliable system
But people were not using UPI at that time.
@@cherishgp yup that came a little later, still stores started accepting cards, that had previously not.
C0vid lockdown is when upi and digital payment really took off.
The most perfect of the assessment of the situation prevailing in Pakistan is the one provided by Zafar Hilaly ...THE COUNTRY IS MOVING TOWARDS CHAOS AT A HURTLING SPEED. But it seems everyone is sleepwalking into that situation. The rude shock is awaiting them whenever they get out of their sleep...
Overall, an excellent podcast! I always wondered how I can maintain my interest on a conversation for more than an hour, and here I am
*Very simple introduction of UPI - last time I visited my bank in 2011, and last I withdrawn any cash in 2016* 🙏
*Note - I don't live any metro city* ❤
Exactly. Going to the moon was not as useful as UPI. I can say no country is as amazing at technology of ease in financial txn as India is. Pakistanis love sounding intellectual but they talk to each other 😂 and confirm to each other...Bhai hum intellectual hai 😂. Anyways I can sing love songs to UPI. I literally am 99.9% cashless. And I don't worry about carrying a wallet. Just my phone...sun 🕶️, car keys, and my Power Bank ❤! Life is good and soooooooo easy. I hated ATM Visits. In past 4 years I may have visited an ATM 4 times only !
An awesome little podcast to listen to on Chaand Raat :D
Thanks for another insightful gift Shehzad, and early Eid Mubarak to you and TPE team
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Eid Mubarak!
I am proud to say that the cost of KYC (know your customer) in India has significantly reduced from 700rs to just 3rs in a few years. This means that anyone can easily open multiple bank accounts from the comfort of their home in just five minutes by tapping a few buttons on their smartphone.
yes but sill according to librandus modi is destroying india ,
It has become very smooth as well. There used to be a time when even a sim verification would take 3-5 days, or an online address update was hectic.Website was slow and poorly designed. Now everything is like hours wait minimum.
Govts performance in e-governance especially on banking & Finance side has been great.
If only they can curb down the hate that has become uncontrollable now.
Mai banaya tha😂 . Payments Bank acc toh 5 min ka kaam h bas banana main Bank acc ke jagah
Banking is haram❤
@@richardsking muslim countries don't do banking???...as per you religion interest is haram...banking is not haram....where do you think the sukuk bond comes from?...it is part of and maintained by banking system....
Thanks for inviting him man.
Listened to it on Eid day today. Made my Eid day 1. Thanks to both of you ❤
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Ammar is the best! Love listening to his measured analysis which he always presents in an entertaining way.
Another great video. I have been watching/reading Ammar since he used to post on WHE. His advice got me into buying and investing in shares, and make my money work, rather than sit purchasing a land.
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I love your work! We never get to see discussions like this on any TV channel
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Basic Macro-economics is we’ll explained by this guest!
I think this is a good watch for Economics students from high school to pre-university level!
Shehzad Bhai, Please invite Ammar one more time and have a full podcast about energy sector of Pakistan. It will be so helpful for us in understanding energy sector of Pakistan.
Great podcast with balanced and well thought out views
Loved every bit of the podcast, a complete insight into the economy 👍🏻
Sir we need “lal topi” guy in the podcast as a guest please…that will be our eidi from you..
Mazaa Aajayega Laal Topi Aaya Toh
Orya maqbool Jan bhi sahi hai
Dono jihaadi hai kahin podcast me live phaat na jai.😛
The original one or the dummy guy?
Yeh lal topi kn ha??
I lost my interest when his knowledge on Sri Lanka port was so little but still watching as it’s shehzad podcast.
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What a candid and realistic man he is
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@@ThePakistanExperience wanted to ask about his CFA wasn't sure he's coming, anyways gonna ask him on LinkedIn
What a master class on Economics
With integration of AADHAR, I had opened a savings account sitting at home in 10 mins, and I could use the account to do transaction via UPI immediately. that's the power of ZAM stack.
Please try to have Ammar Habib once more before he leaves for Barcelona. Iam from India and I learn a lot from your Vlogs. UPI system has really been a boon for general public in India.
Totally agree about barcelona. love the city and the fact that people walk everywhere.
Simple and straightforward these type of podcast is love❤
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Very insightful conversation. Thanks
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Very Nice. Loved it !
Loved the discussion!
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Oye Ammareya, inni nafrataan!!? It's like Diogenes and Jaun Elia had a kid who went to business school and watched Muzammil's videos on loop😅😅 Seriously though; one of the best economy-based podcasts ever on here:)
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What is the counter argument of the point that the construction industry provides jobs as well as many allied industries are dependent on it.
Very informative, great job
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Best debate and reporting. Congratulations to the "group of" 170 million YOUNG PAKISTANIS , as represented by young Journalist/ Anchor on this channel. You ARE the TORCH BEARER for FUTURE. Nation look up to you as role models.
He has a good sense of humour, little dark, little quirky, well intended.
Lived in India till 2015, Delhi precisely (1) Never had a Car because Public transport is Superb especially the Delhi Metro System and Connectivity to Other Metro Systems Such as Rapid Rail Gurugram etc (2) Never visited my ICICI Bank till the last week of my stay in India as each and every service is online and superb.
You serious. What bit of Delhi system are you seeing. It is massively over crowded. Dusty, dirty. Wouldn't trust the banks. You have to go from one office to another. Any sizeable amount is a massive concern because the bank employees will Syphon it off. What are you on about. Please enlighten me.
th-cam.com/users/shorts35egcdabn88?feature=share
@@pacman7959 I think you are not from India .
@@pacman7959 okay Mr. Troll.
@PAC MAN stop your lies i use the metro in delhi
A paki comes to do his dirt .
Ammar is so clear in his thoughts and makes a lot of sense. Someone please give him a government role
Nobody gives government role to Muhajir.
Govt roll de kr Kia hojai ga ruling elite apna khilaf koi law implement ni hona de gi
Such a good episode 🎉
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#TPE Best debate and reporting. Congratulations to the "group of" 170 million YOUNG PAKISTANIS , as represented by young Journalist/ Anchor on this channel. You ARE the TORCH BEARER for FUTURE. Nation look up to you as role models.
Commenting as a placeholder.
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Pakistan invested in China's pet projects in spite of its limited financial resources, with the belief that these projects would generate revenue for the country. However, these projects only benefited China. For instance, the Orange Line in Lahore was built at a cost of $58 million USD per km in 2015, while the Mauritius metro rail also opened in 2019, which was developed by India, and cost $18.5 million USD per km. India provided a line of credit without interest, while China provided a loan with a commercial interest rate. This decision-making process has been biased, particularly given India's status as a perceived rival in Pakistan.
Pakistan deserves this after such a failed mindset
I checked your figures and they seem to be correct..
China will do what is in it's best interest, they will trap their client states in debt and control them. It is for the states which are receiving these so called favors from China should look into the devilish details. Yes, China built an airport in Sri Lanka, not a single fight takes off/ lands at the airport. But why did Sri Lankans allowed Chinese to fund and build it?
Their elites are corrupt and most Pakistanis don't realize that.
Dude how many countries would want Indian railways infrastructure in their country. Seriously ask yourself that question. Chinese infrastructure can be questionable at times. But Indian infrastructure is just an absolute joke. So money down the sewer. You can't even maintain your own bridges. Temples collapse, almost everyday scores of people dead because of infrastructure failures. Your generic medicine industry is a laughing stock because poor Africans see their kids die when they take them.
Shehzad bhai apka sense of humor boht zbrdst hai lekin ammar bhai kafi serious admi hain ap ne kuch hansny ki baatain ki lekin unho ne total ignore kia ... Lekin ap tension na lain hum apky sath hansny mai full zor se shareek huey... By the way ... Very informative vlog ... Boht kuch seekhny ko mila khaas tor se resources or real estate wali baat mai ... I hope ammarbhai dubarabhi apky liey time nikaalain ... Boht shukria ... Keep it up... Masha Allah.
Excellent podcast🌟🌟🌟🌟🌟
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Brillant stuff and I must pay my regards to Ammar Habib's articulation and easy to comprehend issues/conundrum faced by the country, it's sad that people him aren't behind the rudder of economic policy in Pakistab. If we are ever to see Pakistan climb out of this quagmire alive then we need people like him in policy.
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What's the use of by taking these people when your elite is fighting for their own peace of cake.😂. Look at the scenario very recently IK hired a finance minister and within no time he was sacked just because he is a ahemadi. Lol...
Good to hear Ammar explaining the benefits of demonitisation. Shahzad seems to have his info on that from silly players in some of the Indian media (read lefty).
Go through the comments. People are split on demonetization. I don't know about it enough to know which side of the argument I am on.
@@ThePakistanExperience Well now you know. Great show though. Love watching TPE.
@@ThePakistanExperience Demonetisation effect was neutral , I would say It wasn't much beneficial But UPI was surely a game changer
I still can't believe that in India every business uses UPI... What a change..i love it..
@@hassaanawan367 have some shame man
@@hassaanawan367 is your mother with you or you sold her to Chinese...🤣🤣
@@teampunk1356no probs bro i have given him the dose... These beggers have no aukat... They sell their dignity for money.....
@@hassaanawan367 what a way to celebrate EID
Now UPI will charge fees for transactions above 2000.. 😂
I remember watching a protest in pak over a QR code on a cold drink bottle, protestors were saying that " symbol" looks less ke Allah and the cold drink company is " Insulting" their religion 😂😂. The uneducated majority sees Allah in everything, everywhere , so that they can protest ,where Allah " should not be"!
Such kind of things are also happening in India- I remember, recently, one Mr Tyagi was protesting that Ravan effigy should not be burnt on Dussehra since Ravan was a Brahmin… we have to remember that there is a lot of reactionary mentality in our subcontinent unfortunately.
@@Critic224 1 person vs whole commuinty...you are comparing apples and oranges here....
Indians judging Pakistan over religion is the stupidest thing that I've heard
Eid Mubarak ❤
Thanks, Bhai.
that legendary place at LightHouse is Qaiser Restaurant !!
Ammar is always on point and objective.. always look for his insights or views whenever there is a dumb decision announced by the Government. I just wonder why guys like him never make it to the Decision making process or the meetings where such important decisions are taken. Folks like him, Atif Mian and Uzair should be part of such teams and i believe then only things can turn around. Otherwise we are just doomed tbh
Very nice podcast
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One year ago he was saying pak can't refine russian oil and today he is not an expert on this😂😂😂
Pak still wont be able to refine. They may buy refined oil from China or Russia and exchange that oil with China or sell in open market. They will try to sell that oil for some profit to western nation. They will go to russia with begging bowl and may be able to receive some alms and then trade it. Good thought for Pakistanis
@@hassaanawan367 Mashallah brilliant English, now eat🦴
@@swastik1153Bark karne ke liye tum loog specialy yahan atay ho par haddy hamein de raho ho😢
Lundians that's not good😠
@@manu.ba374 aate ki line me lago yaha kya kar rahe ho🦴
Don't work hard? Allah will give to Pakistani
Excellent podcast
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Always great
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Demonetization of the 5000 PKR note, that is an interesting idea. All that money would go back to the formal economy.
It's amazing podcast, just sharing how the cashless experience has been in India across cities. I have been travelling from Mumbai, to Jaipur to Kolkata, didn't have a penny in cash , paid hotel bills , took cabs and auto rickshaw, had street food and at restaurants. No requirements of hard cash at all. But i think it's not because of demonstration. This cashless economy platform was initiated by Raghuram Rajan as governor of RBI and subsequent governors have pushed it further.
We all forget, demonetisation didn’t push this as much as fear or Covid did, for cashless transaction
can you please explain what is current structre and price of gas distrubition in pakistan and how lpg is different for them
Very good one
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I am an Indian residing in USA and frequently listen to your podcast.This particular podcast is one of the best.Forget about “Pakistan Experience “, this particular podcast is a must listen to for anyone who wants to learn how economy works.Please invites this guest again.
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Very informative
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I disagree and maybe the speaker living in dillusion. Humbantota port in Sri Lanka has been leased off to China for 99 years. So, technically, it is not being bought, but it has been given to them like forever. Second, they will develop it not for commercial purposes rather for military purposes. So, stop thinking just from your 'economic' perspective.
Now UPI can be connected to credit card. Scan the QR, pay amount and amount will be deducted from the credit card.
Oh how can u guide me please
@@anujthakkur4161 u will need rupay credit card
Brilliant Podcast. Ammar Khan really explained difficult concepts in a simple manner. One thing, I noticed this episode has almost 7 minutes of black screen at the end. Did your editor make a mistake?
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Yes
Eid Mubarak❤❤
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@the Pakistan experienced. Regarding brand of Pakistan, lots of Pakistani restaurants in UK, Europe, Canada, Australia &. USA does their business as Indian cousin
And I wish they would stop doing that. Bangladeshis too. Bad product but trading on the goodwill of the Indian name. Totally haram-khor.
Also supreme court did not fix the price. It actually removed the fixed price on samosa
Tanks and Tankers😂😂😂loved it
Excellent podcast,we need young economists like Ammar to be in the finance & planning mimistry rather than importing İMF & world bank current & former employees .
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@@ThePakistanExperience thanks very informative
copying Indian system is better to you as u r not able to create any thing.
@@vkcharigvp That will not work for them.
They are different people ( Religion, Culture ) and their systems ( Military Deep State Control ) are different. Only solution for them can be that their Ashrafiya and Military Leadership gives up some of the control and empowers the lower class.
دی پاکستان ایکسپیرنس ماشا اللہ ۔۔ بلاشبہ آپ کی ادب کی ترویج وترقی میں بہت اہم کردار سمجھا جائے گا۔۔ ہم بھی اردو کتابوں کے تبصرے اور کتاب کلچر کے فروغ میں کام کرتے ہیں، امید ہے ہمارا کام آپ کو پسند آئے گا۔ شکریہ
Eid Mubarak Shehzad. Another brilliant episode on a globally and subcontinentally relevant topic. Keep it up 👍
Eid Mubarak!
Your Medical instruments industry has moved to a great extent to Germany. Blanks are manufactured in Sialkot ( basic production processes which require all the dirty work), exported to a Pakistani owned factory in Germany where it is finished and branded and exported all over the world. The German entity makes the major chunk of the profits
How do you know so much about Pakistan. We Pakistanis dont know much about indian exports i guess.
@@syedmuhammadfaheem8662 I am a Procurement Consultant for new Hospital and Hotel projects. Part of my job is to be aware of latest developments in international trade
The price of electricity/energy matters as it will affect the productivity. With higher price of energy, the price of exports would increase and exports would lose its competitive edge in international markets.
What is the deal between China and Sri Lanka?
In the case of the port in Hambantota, the two countries have recently come to a deal with Sri Lanka selling a 80% stake via a 99-year lease in the port to the state-run China Merchants Port Holdings, while Sri Lanka retains control of port security.
Eid Mubarak Shehzad.🙏
I think covid accelerated UPI in india, no one wanted to touch money physically...
Do invite Abrar Hassan (WildLens) on your podcast...please.🙏
Eid Mubarak!
Very insightful!
However, I must add that exports entail a tax of 1% on revenue. However, the main problem with production in Pakistan lies in the lack of basic industries (we dont even produce screws and plastic) and skilled/technical human resource. and therefore the main raw materials would need to be imported. Hence, our productionw is not competitive in the international market. Our industries struggle to compete with imports even after protectionist measures, let alone competing in the international market.
Behtareen Podcast. 100k subscribers par Studio Upgrade? 👀
1 million par
Wonderful
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In India , hospitals also charged more from insurance covered patients. Seeing inflated bills, all the health insurance companies came together and capped the charges for most of the diseases. This curbed the malpractice. They also capped the room rent to 7.5% of the coverage. This brought sanity and insurance companies to a large extent are not being cheated.
As usual, the podcast was enlightening Eid Mubarak Sehzad.❤
yar kya zabardast banda hai.
1:32:48 This is meme template😂🔥
Hope so people get educated themselves while watching podcast like these. Instead of watching typical tv channels
QR and the chips have CNIC data. Have tested both.
Nice. Bus connect karay phir isko payment system say
Eid Mubarak, Shehzad
Eid Mubarak!
Haha ha ha all Pakistan samosa association, killed it bro!!
I agree that there are countries who have defaulted but what's their economy size and what's is their population size. I mean can someone imagine a country without power or petrol with population size of 225 million people. It's not that easy which the guest is talking about. And one more thing is that there is no radicalized society in sri Lanka and Argentina like countries with gun culture and looking into the political crisis there will be chances of implosion. So it is not going to be so easy task.
very rare to see logical and learned guest! very well soken! difficult to digest that he is Pakistani
for comparison to Indian policy making in Industrial and Public transport infrastructure, Shehzad can engage with Harsh Madhusudan or Rajeev Mantri.. both are known to Kushal Mehra..
UPI se mobile number ,Q-code , account no se bhej sakte h
Thanks
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You are talking of Modi’s policies; Jan dhan yojna and demonetisation followed by make in I dis and direct benefits transfer.
You do brilliant podcasts. However, long duration makes it quite difficult to listen it in one go. Kindly parts main upload kardiya karen 🙏
We make chapters is hee liye
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Ammar Sahib’s statement, “ water is not a resource but a distribution issue”? That’s what we have assumed in India too and we are also suffering.
13:20 food inflation due to transport prices
Water coming through tanker for me that something new. I thought that water can only be supplied through pipeline.
The QR code on the CNIC does not work.