THERE MAY BE ONLY FIVE PSU BANKS IN INDIA AS A LEAD BANK OF EACH SPECIFIED OPERATING ZONE !!!

“The amount of Non-Performing Assets in almost

all PSU Banks is forcing the Finance Ministry of India

to go for rapid mergers and acquisitions PROCESS.

Indian Government has failed to recover loans from

big businessmen who defaulted in crores of INR and enjoying life

with lots of entertainment in foreign nations, NEVERTHELESS.

Mergers of PSU Banks must

strengthen the PSU Banks' market CAPITALIZATION.

Not only in NPA recovery, focus should be given to maintain the

lead banking system to bring an effective financial INCLUSION.

Punjab National Bank, Allahabad Bank, Punjab and Sind Bank,

Corporation Bank and Oriental Bank of Commerce may merge together

to form 'PASCO BANK' and may become the

lead bank of UTTARANCHAL REGION.

Canara Bank, Indian Overseas Bank, Dena Bank, Vijaya Bank

and Union Bank of India may merge together to form

'CIDVU BANK' and may become the

lead bank of DAKSHINANCHAL REGION.

Bank of India, Andhra Bank, Indian Bank, Bank of Maharashtra

and United Bank of India may merge together to form

'BAIBU BANK' and may become the

lead bank of PURVANCHAL REGION.

Bank of Baroda, IDBI Bank, Syndicate Bank, Central Bank of India

and UCO Bank may merge together to form

'BISCU BANK' and may become the

lead bank of PASCHIMANCHAL REGION.

State Bank of India may become the lead bank of

all Union Territories, Jammu and Kashmir and Madhyanchal region;

so, overall, there may be only five PSU Banks in India

as a lead bank of each specified operating ZONE.” - Arindam Sain

JAB BHI KOI PSU BANK KE BRANCH MEIN CHALA JAATA HAIN CBS SOFTWARE KA LINK !!!

"Jab bhi koi PSU Bank ke branch mein

chala jaata hain CBS software ka LINK;

kuch customers bolte hain ki bankwale thodaa aaram karne

ke liye server down kiya hain aur karein aankhen ko WINK.

Aur kuch customers hairaan, bechain

aur chintit hoke karein aankhen BLINK.

Sab ke mann mein ek hee sawal ghumta hain

ki kab aayega CBS software ka LINK."- Arindam Sain

RAJYAVARDHAN ER KAACHE SEI RUCHIKA JANO AAJ EKTI MARUBHOOMI R MORICHIKA !!!

"Vidyalaya teh bikhyaato chilo

Rajyavardhan aar Ruchika r BANDHUTWO.

Uccha Vidyalaya teh Ruchika r jibon e elo Ranajit,

premik hisebe, niye prem er nanarakom er MUHURTA.

Bodley gachey onek kichu Rajyavardhan er jibon e,

jatoi goriyeche samay er CHAAKA.

Rajyavardhan er mon bhuleyi gache Ruchika r proti taar

ektarfa prem, kaaron chaai chakri, chaai TAAKA.

Nijer byabsaa suru kore Rajyavardhan hoyni laabhobaan,

taai holo byabsaa BANDHO.

Shuru holo chaakri khojha ebong je sanstha teh Rajyavardhan

pelo chaakri, taara maasik maaine daye na khub ekta MANDO.

Kintu samasya jeh ektu onyorakom, kaaron oi sanstha teh

Rajyavardhan er karjyanirbahi prabandhak hocche

sei vidyalaya r bondhu, RUCHIKA.

Ranajit noy, Ruchika r swami r naam Rohit, je kinaa sei sanstha r maalik;

kintu samay aar bhaghya r jugalbandi teh, Rajyavardhan er kaache

sei Ruchika jano aaj ekti marubhoomi r MORICHIKA."- Arindam Sain

AFTER UTTARAKHAND, JHARKHAND, CHHATTISGARH AND TELANGANA STATES; INDIA NATION MAY GET NEW STATES LIKE VIDARBHA, KAMTAPUR, BODOLAND AND GORKHALAND !!!

"Neglect, non-development, non-employment, bad infrastructure

angered the people or tribes of that REGION.

Even a need for a local independent administration based on

local language and identity is also a valid REASON.

Uttarakhand was formed to bring development in

hilly areas of UTTAR PRADESH.

Chhattisgarh, the district of 36 royal forts showing its royalty in terms

of GDP growth after becoming separate from MADHYA PRADESH.

Jharkhand was formed as a state of

special tribal and natural resources ENTITY.

All Telugu speaking districts got unified to form a separate state of

Telangana to give their Telugu language, a special respect and IDENTITY.

Due to rough climatic conditions, farmers of

Vidarbha region suffer a lot and often NEGLECTED.

The demand for a Kamtapur state by

Koch Rajbanshi people cannot be totally UNDERESTIMATED.

The people of Tibet and South China origin speaks

Bodo language and are demanding for BODOLAND.

Gorkhas who speak Nepali and Gorkhali language are neglected too;

and are desperately demanding for a separate state of GORKHALAND."- Arindam Sain

MAKE IT A CIRCULAR, THAT ANY LOAN ACCOUNT CANNOT BE OPENED WITHOUT ENTERING AADHAAR CARD AND PAN CARD NUMBER OF THE LOAN APPLICANT IN ANY BANKING CBS SOFTWARE !!!

"80% of expenses of any PSU Bank is

for paying very high salaries to the

employees of top management who are

around 20% of the total employee STRENGTH.

So many big businessmen and corporate firms took loans from so

many PSU banks jointly and acted as big defaulters; as a result, the

NPA problem is haunting the Indian economy to force the Indian

Government to implement mergers of PSU Banks at a greater LENGTH.

Loan recovery process is not satisfactory in India,

because it is a nation where Finance is

directly proportional to high level POLITICS.

When NPA provision amount is eating up a large share of net profits,

then PSU Banks must reduce expenses by keeping the top management

post till Chief General Manager (CGM) only as per simple MATHEMATICS.

Mergers of PSU banks is a good strategy or not;

only time will tell after SBI's upcoming

profitability performance STATISTICS.

To avoid NPA problems on a large scale, there should be several

checkpoints at root level itself; for example,

taking CIBIL report and No Due Certificate from

several other nearby banks about a CUSTOMER.

Make it a Circular that any loan account cannot be opened without

entering AADHAAR card and PAN card number of the loan applicant

in any Banking CBS software to have an ideal CIBIL report 
of any customer, even if he is just a poor FARMER."- Arindam Sain

WE, THE INDIANS PRAY TO BHAGAWAN SHIVA TO CREATE NATURAL DISASTERS IN PAKISTAN TO KILL TERRORISTS BY MASSIVE DESTRUCTION !!!

"When several innocent people throughout the world

gets brutally killed by

Muslim terrorist organizations,

is it an example of global SECULARISM ?

When several terrorist victim nations start fighting against

those bloody Muslim terrorist organizations,

then for some hypocrite politicians and idiotic intellectual people,

does it become an act of global COMMUNALISM ?

Even Chinese Government is becoming a low quality government

like the low quality Chinese electronics products globally, by having a

strategic alliance with the terrorist nation, Pakistan to create a

cheap brand image of Chinese COMMUNISM.

Where are those traitors of India,

who eat the foods of India

but show sympathy towards

Pakistani funded STONE-PELTERS ?

People of India must totally ignore those media channels

and newspapers, which in the name of so called secularism,

try to create a good image of these bloody TRAITORS.

India is such a nation where some politicians start blaming the

Indian Government after any terrorist attack on Indians;

rather than criticizing PAKISTAN.

All patriotic Indians must remain united to fight against

Muslim terrorist organizations to make a

peaceful, safe and secure HINDUSTHAN.

History is the witness where two selfish political leaders

were in favour of the partition of a nation to become

prime minister of each partitioned nation; which is

a perfect example of politicians' HYPOCRISY.

After Narendra Modi's visit to USA and ISRAEL,

the China's conquest strategies and

sudden support towards Pakistan

looks very FISHY.

Market of fake currencies got

almost shut down

due to DEMONETIZATION.

All the Pakistan Government funded

Muslim terrorist organizations weakened economically

and were in FRUSTRATION.

No more talks are required with Pakistan, no more attention

to be given to those anti-Indian media channels and

hypocrite intellectuals, just several deadly surgical strikes and

special task force encounters to gun down those

Muslim terrorists are the only SOLUTION.

No matter, how much China tries to shake hands

with Pakistan to counter India,

no matter, how much Pakistan tries to spread terrorism

and communalism in India; Hindusthan will still become a

terror free and super power NATION.

To take the sweet revenge of the killings

of innocent Amarnath Cave Yatra pilgrims

on 10th July 2017, we, the Indians pray to

Bhagawan Shiva to create several natural disasters

in Pakistan to kill all terrorists by massive DEVASTATION." - Arindam Sain

AADHAAR CARD NUMBERS LINKAGE IN VARIOUS DEPARTMENTS WILL HELP INDIAN GOVERNMENT TO IMPROVE OVERALL ECONOMIC CONDITIONS OF INDIA AND ITS ADMINISTRATION !!!

"If you don't submit a photocopy of your AADHAAR card as a 
KYC document in the bank, then you may not get 
government subsidies in your savings account 
which may also become dormant or inoperative ANYTIME. 
All documents of criminal and civil cases are getting digitized and in 
all cases, AADHAAR card numbers of the criminal/s to be entered in 
CRIME RECORDS SYSTEM (CRS), to check in future with the help of 
AADHAAR card number whether a person has ever committed any CRIME. 
No new SIM cards can be bought 
without the AADHAAR card NUMBER. 
Without linking AADHAAR card with your PAN card, your I-T Return file may 
not get processed, don't forget it, please REMEMBER. 
Without any AADHAAR Card Number entry in Education Board website, a student 
cannot take the hard copy print out of his /her Class X, Class XII, Graduation, 
Post Graduation exam from the website after the final result GENERATION.
To book any rail ticket, plane ticket and bus ticket online, AADHAAR card number 
may become mandatory to do online VERIFICATION. 
After buying any new land, flat, apartment, house, office or factory; 
AADHAAR card numbers of both seller and buyer may be required for the 
process of final property or asset handover and its legal REGISTRATION. 
Effective linkage of AADHAAR card numbers in various important offices and 
departments will ultimately help the Indian Government to improve the overall 
economic conditions of India and strengthen its ADMINISTRATION."- Arindam Sain