Twenty-five per cent of declared undisclosed income is to be deposited in this scheme, interest free for four years without the provision of withdrawal. But this bill is utterly unclear and silent about where this deposit will be kept. Will it be kept with the bank where the money will be deposited? (In which case, the banks are going to have a really good time.) Or will it be a separate deposit created by the Reserve Bank of India? Or will it be kept with the Government for further use?