NOT ONLY HEALTHY BALANCE SHEET AND FANTASTIC HR INTEGRATION; MERGED PSU BANKS MUST ALSO GO FOR MORE MARKET PENETRATION !!!

"Every month, at least pay the 
interest in SHG CC or KCC account 
to show a TRANSACTION; 
then and then only, the Indian 
Government will give back 2% or 
3% interest SUBVENTION. 
If as a KCC borrower, you are 
not having money, then 
sign on a fresh KCC BOOKLET; 
as relending is 
also a type of 
credit MANAGEMENT; 
else payback a certain amount 
of the total outstanding amount 
to do 'One Time SETTLEMENT'. 
In this phase of 
silent global RECESSION; 
there has to be some reduction in 
any subsidy or CONCESSION. 
To boost the economic condition of 
India, the Finance Ministry must start 
having several corporate SESSIONS; 
some extra taxes, interest and other 
levies to be reduced as of now, by 
taking several bold DECISIONS. 
CASA growth rate of 
PSU Banks are not 
up to the MARK; 
the rate of interest on Savings and 
RD books may be raised a little bit 
to have a slight SPARK. 
Recovery of MSME and Housing loans 
to be directly monitored by a new 
Central Level Recovery CELL; 
otherwise, the model of 'Make in India', 
'Mudra Yojana' and other MSME 
boost up projects may FELL. 
Merging of PSU Banks may lead 
to a healthy balance sheet and 
fantastic HR INTEGRATION; 
but, the Indian Government must 
also boost the PSU Banks for 
more market PENETRATION."- Arindam Sain

THE GOVERNMENT SECTOR FIRMS ARE BLEEDING DESPITE HAVING ARMOUR; BECAUSE THE INDIANS BELIEVE IN ANY TYPE OF NEWSPAPER AND SOCIAL MEDIA RUMOUR !!!

"The Government sector firms are 
bleeding despite having ARMOUR; 
because the Indians believe in any type 
of newspaper and social media RUMOUR. 
When the Finance Ministry has decided 
to merge several Public Sector 
Undertaking Banks, then why the 
process is still so SLOW; 
based on the cooked stories in social 
media and newspaper, the CASA deposits 
are declining in proposed acquired 
banks, which is also a big BLOW. 
After 'ULIP' and 
'Chit Fund' scams, 
common people are 
feeling so INSECURED; 
that everyday or the other, a customer 
of any Bank in India asks the question 
whether his/her money in Banks 
is safe and SECURED. 
To bring faith within the common people 
of India, the Indian Government 
has to take the INITIATIVE; 
so that, the response towards any 
Government office and PSU organization 
always remain POSITIVE. 
When a reform is going on, then 
why unnecessarily delay the PROCESS; 
'speedy implemention' and 'overall security' 
should become the pillars of SUCCESS; 
otherwise, the mapping of people in the 
ministry with an educational background 
of totally other domain knowledge 
may prove to be a MADNESS; 
whatever has been decided, 
implementation of it should be speedy 
enough to counter the silly rumours, 
your HIGHNESS."- Arindam Sain

MAPPING OF A PROPER PERSON AT ANY PROPER DEPARTMENT; OFTEN HELPS THE FIRM TO HAVE AN OUTSTANDING ACHIEVEMENT !!!

"Go through 
anyone's educational 
qualifications CERTIFICATE; 
also study the experiences as per 
job profile before giving him/her 
access to any golden GATE. 
Nowadays, the firms are focusing 
more on 'Talent RECRUITMENT'; 
but, this strategy only 
is not SUFFICIENT. 
Keep a newly recruited person 
under OBSERVATION; 
find out, in which field or subject of the job 
profile, he is getting SELF-MOTIVATION. 
Put that person in that department only, 
where he/she can EXCEL; 
to smoothen the task, HR must form 
an informal counseling CELL; 
maybe, a little research with 
sheer passion has the key to a 
success story to TELL; 
the HR Department must motivate 
the employees before they 
press the HR DOORBELL. 
Mapping of a proper person at 
any proper DEPARTMENT; 
often helps the firm to have an 
outstanding ACHIEVEMENT."- Arindam Sain

O NAGMA, O NAGMA; YOU ALWAYS EXCITE MY BODY'S 'LOVE-MAGMA' !!!

'O Nagma, 
O NAGMA; 
you always excite 
my body's 'LOVE-MAGMA'; 
don't do 
so much DRAMA; 
you also love me, 
I know, o my NAGMA. 
You are the one to activate 
my body's 'LOVE-LAVA; 
love is not as complex as 
'C++', '.NET' or 'JAVA'. 
Let us get MARRIED; 
fix a date to WED. 
The marriage location will 
remain a top SECRET; 
only you agree to it, 
as everything is well SET. 
After marriage, 
a secret HONEYMOON; 
within a year, a new little 
guest will come SOON. 
Your parents are 
so SUPERSTITIOUS; 
and your elder brother's 
psychology is highly SUSPICIOUS. 
Your parents still believe in 
caste system and HOROSCOPE; 
but, I am as modern as you, 
don't lose HOPE. 
You select a secret 
wedding LOCATION; 
we will stay there 
as tourists on a VACATION. 
From there only, we will go to 
our honeymoon DESTINATION; 
for true lovers like us, the word, 
'Love' has no exact DEFINITION. 
By the time, your family members 
do any trouble or HUNGAMA; 
you will be my beloved wife, 
o my sweet NAGMA."- Arindam Sain

WARM UP YOUR RESPECTIVE CAVE; AS YOU CAN FEEL THE WINTER WAVE !!!

"Warm up your respective CAVE; 
as you can feel the winter WAVE. 
'Fire' is the power that the 
Mother Nature GAVE; 
which at anyplace, anytime and 
anywhere from winter, will SAVE. 
Winter time is the ideal time to visit 
any hill station to enjoy SNOWFALL; 
and the icy surface all around in that 
tourist place attracts ALL. 
To warm 
yourself UP; 
drink a yak milk mixed tea, 
at least a CUP. 
Eat plain rotis with 
pure cow's ghee and several 
types of vegetables CURRY; 
just drink lots of water, 
then in winter season, digestion of 
foods will not be a WORRY. 
Winter time is 
the best time for 
picnics and EXCURSIONS. 
To go to the higher altitude, medical 
checkup at certain levels are required 
to get further PERMISSIONS. 
No winter is complete without 
the delicious Christmas CAKE; 
maybe, already at the start of the 
winter, Santa Claus starts to BAKE. 
For many people, Winter season is 
always so FAVOURITE; 
lit up a fire of woods, 
and around IT; 
so many people in the 
bon-fire will SIT; 
take out tasty pieces of boiled 
chicken or mutton MEAT; 
from the heated rod just above the 
fire flames to EAT."- Arindam Sain

KOLI PAHAAR ER KOLEY EKTI GRAAM; NAAM TAAR GOPIDHAM; SEKHANE THAAKE SHRIRAM; MURTIKAAR HISEBE ACHE TAAR SUNAAM !!!

"Koli pahaar er koley ekti GRAM; 
naam taar GOPIDHAM; 
sekhane thaakey SHRIRAM; 
murtikaar hisebe achey taar SUNAAM. 
Jekono murti baanate holeyi, 
sabai choley aasey taar BAARI; 
kintu se boleyi daaye, 'murti tairi 
hobe na tairi eto TARATARI.' 
Jaara murti tairi koraate daaye, 
taara bhabhey murti tairi koraata 
jano ekta kono PRAKALPO; 
kintu ekjon murtikaar ba shilpi r 
kaachey, ekti sundar murti tairi 
koraata holo, ekta sundar SHILPO. 
Jekono murti je taratari 
tairi korte hobe, eta ke bolechey, 
jato ee dik taara murti r DAAM; 
ektu beshi samay niye, 
bhalo murti tairi korleyi, 
tobeyi naa hobe SUNAAM. 
Aajkaal shilpi der o ki 
amraa bhabchi BYABSADAAR; 
taholey kintu onnyanno desh er tulonaa e 
pichiye porbe amader shilpokala ABAAR. 
Taai toh Shriram boleyi daaye, 'Daao bhai 
kichu beshi samay, taaka nebo na BAARTI; 
tairi holey 
daarun ekti MURTI; 
tobeyi naa itihaas er boi te lekha thaakbe 
amaar ei KEERTI.'"- Arindam Sain

'UNPREDICTABILITY' AND 'UNDERCOVER' ARE THE TWO KEYWORDS OF EXCELLENT ESPIONAGE !!!

'Unpredictability' and 'Undercover' 
are the two keywords 
of excellent ESPIONAGE; 
even computer and other 
technical skills are also required 
in this modern AGE. 
Unlike in other jobs, you cannot just only 
stay and work in any corporate CAGE; 
in odd times, you cannot also remain 
as calm as any SAGE. 
Always change your locations frequently 
and be in DISGUISE; 
play the fishy game, before the culprits 
try to become too WISE. 
As a spy, if you can create a 
very strong and reliable 
information receiving NETWORK; 
then in danger situations, 
you don't need to 
do much HARDWORK. 
Like Israel, India needs 
to strengthen its 
espionage SYSTEM; 
to come out with timely solutions 
before any issue can become 
any big PROBLEM."- Arindam Sain