NRI: NON RICH INDIANS

Today I am forced to remember the first day when I joined my present work place Lead Bank office Bank of Baroda vikas bhawan Rudrapur. After the introduction with my other staff members who were only 2 in numbers. Our sub-staff introduced me to "buwa ji", who was a per day worker at the office canteen, and said she will take care of you and she showered some blessings smiling, that's her nature though she is getting paid (under-paid) from the canteen alone but was very caring to all and satisfied to get what she is getting and you know the dirty world  all the people working that building who were more than 50 in numbers treated her as their personal servant, one day i couldn't stop myself asking her " Amma why do you work more than you required to get your salary? " God is watching my actions beta and i will get the reward as everyone gets according to their karma, she replied. I couldn't say anything but appreciated her optimism.

Can't Love You

  I don't wanna love you,,
  as loving u makes me loosing self,,,
  me gets tense see to you being loved by else,,,
  how i hate you coz i love more then my soul..
  The world calls me intellect though,,
  your presence makes me a jerk..

   feeling are deeper,,
   expressions are less...
   fun is pleasure,,,position is important
  And the Love is only pains....So
  world rejects feelings, metals get respect,,


   life in a initial face and obligations in a Que,,
   stupid the reasons are and you may call me a stone-heart
   but,,,,
   i m too helpless to afford to love u...

The Day Was Also Raining

Today when I left home for my office there was a hint of rain though the weather have been playing   smart with the people who wants nothing but some water drops to fall from the Haven and relief their   soul for one week or so,,,, everyday while looking at the sky we hope that today God may shower his   kindness on us but every time the Hope-balloon got deflated. So today I didn’t even try to wear  rain-coat or carry an umbrella, and as if Indra-Dev (The God of Rain) was waiting a chance to irritate  me. Half way down It started holding my nerves I was getting wet, soon I found a shelter under a  ceiling of a shop there were few others as well. Though, I was too conscious to care about them. I was  rather busy trying to dry myself up with the help of handkerchief after finishing the job. I looked around  and a feeble and neurotic looking woman grabbed my attention it added fuel to fire and my  irritation increased. I was feeling uncomfortable being beside her and she was also smelling awkwardly  but it just lasted for a moment because meanwhile I was reminded of an incident by some unknown  force which helped me forget all the uneasiness.,,,,,,,, A kind of utopia I began to experience reliving the  day that was also raining :-

It was my school days and I was an innocent student. My school was 3 or 4 km away from my place and I used to travel by publicly shared auto and the one side fare used to be 2 rupees those days and my mom used to give me 5 rupees, means A Rupees a day used to be my pocket money éclair used to be the favorite thing to spend on (haha… One day while I was waiting for the auto while going back home after finishing up with school for that particular day, It started raining heavily it was December and the cold was on its loftiest point, rain made it more worst I was shivering so I rushed into a tea shop near the auto-stand for the shelter many other did the same, it took only few blink of eyes and the shop was fully packed. Shopkeeper thanked God as it got him some business. Soon I spotted a neurotic woman who was trying to get in but the shop-owner didn’t like her audacity, how could she dare claim any kindness from practical people?, she was no different to the “Street-Dogs”, she was born to be kicked away by everyone and every now and then.

Banking : Economical Challenges and Solution

We have witnessed a rapid change in the phenomenon of Indian banking; In short in last decade our banks changed tiny to huge and also changed its ways of working from orthodox to modern. Our banks are expending and developing very rapidly. And being in a developing stage, it automatically invites lots of challenges. Lets point out the challenges and their solution for the economical growth of Indian Banking industry. The challenges we have to face are many; but those need to be solved first are-

·         Credit Delivery System:

         this is what banks depend a lot on to yield profit, as bank tends to earn as much as fast and expended this system is, but it is rather slow, NBFC with the fast and easy credit delivery are diverting customers from banks to them and Infrastructure financing Institutions are enjoying the high profile landing in infrastructure projects with their better asset-liability management. If we have a look on the Credit Deposit Ratio it seems as splendid as 78.1% for March 2012. Though deposit declined to 13.4% in the same time from 17% in March 2011, which raises an alarm. RBI’s stick monetary policy and frequent changes in RR, RRR and CRR also forbidding banks to deliver the adequate amount of credit. Moreover the bed circles of global economy are also adding insult to injury.

Overall we cannot afford any abbreviation to a sound Credit Delivery System, The points to be concerned about-

1.      1) Make it easier for the customer to avail advances from banks so that the credit and profit may increase and we also have to take care of deposit part.

2.      2) We need to find a way to manage and to reduce the risk factor in infrastructure project landing; asset and liability mismatch can be handled with the adequate support from government and International financial institutions like IMF, World Bank and Asian Development bank.