TOO MANY DEPARTMENTS AND SO MANY CONTROLLING OFFICES; ARE ACTUALLY INCREASING EACH AND EVERY PSU BANK'S OPERATING EXPENSES !!!

"Too many departments and 
so many controlling OFFICES; 
are actually increasing each and every 
PSU Bank's operating EXPENSES. 
In many departments, 
there is job REDUNDANCY; 
merge those departments as it is 
the economic URGENCY. 
Reduction of the numbers of 
top level departments and 
controlling offices must be 
in its initial PROCESS; 
lesser numbers of Bankers above 
Scale-V or above will make the 
employee structure more pyramidal 
to improve the banking BUSINESS. 
All Scale-IV branches to have an 
armed guarded, CCTV enabled 
ATM Center attached with IT; 
if cash deposit facility can be provided 
in all the ATM centers, then that 
strategy will become SUPERHIT. 
For each 50 branches, there will 
be 1 controlling office with 
staff strengths 
not more than 25; 
in each branch, including Branch Head, 
2 officers for 'Operations and Marketing', 
2 officers for 'Advances and Recovery', 
makes it 5. 
Within each 10 Kilometres, there will be 
1 branch of each PSU Bank to 
remain OPERATIVE; 
also those branches to be merged 
whose consecutive 3 years business 
figures is in NEGATIVE. 
Department wise divisions in each 
and every branch will improve 
customer services 
and work QUALITY; 
PSU Banks having more than 
4000 branches may have to pay 
to RBI, the 'Excess 
Expenses' PENALTY."- Arindam Sain

KOI AUR AAYI HAIN MERE ZINDAGI MEIN FILHAAL; BHOOL GAYA HOON MAIN APNA BEETHA HUYA KAAL !!!

"Koi aur aayi hain mere 
zindagi mein FILHAAL; 
bhool gaya hoon main 
apna beetha huya KAAL. 
Tum chorh ke 
gayi thi MUJHE; 
mere ko paraaya aur apni puraani 
aashiq ko tum apna SAMJHE. 
Rahein gaya tha 
main bilkul AKELA; 
par mere dimaag ne 
thoda soch ke BOLA; 
'Dil ka darwaaza kholo aur dekho 
charon taraf hain ladkiyon ka MELA.' 
Aaj jab tumhari wohi puraani 
aashique ne maara 
hain tumhe LAATH; 
tab tum kahein rahi ho mujhe, 
'Ki phir se hum rahena chahte 
hain saath SAATH.' 
Mere dil ko dil hee samjho, 
samjho naa issey koi DHARAMSHAALA; 
sarh pe baal nahi hain, phir bhi 
superhit ho gaya, woh film, 'BALA'. 
Kiye tum mujhey 
bilkul hee NAZARANDAZ; 
aab hum nahi sunenge tumhari 
yeh nautankiwaali AWAAZ. 
Ek ko chorh ke 
jaise tumne doosre 
ko hain PAKDA; 
thik ussi tarah teesre ko pakdo, 
ghar mein bulaake aur phir 
khilaake chicken PAKODA. 
Tum samajhti ho 
sirf 'Mauj' aur 'MASTI'; 
par hum samajhte hain 
sirf 'Pyar' aur 'DOSTI'. 
Ekbaar tumne apni chaalaki se 
de diye mujhe DHOKA; 
phir se dobaara ullu baanaane ke liye 
naa dengey hum tumko koi MAUKA. 
Koi aur aayi hain mere 
zindagi mein FILHAAL; 
bhool gaya hoon main 
apna beetha huya KAAL."- Arindam Sain

BANGABHOOMI R GRAMANCHAL ER MAATH JE EKHAN KHAALI; KARON SOBUJ RANG ER DHAAN HOYECHILO SONALI !!!

"Bangabhoomi r gramanchal er 
maath je ekhan KHAALI; 
kaaron sobuj rang er 
dhaan hoyechilo SONALI. 
Fasal e diteyi hoy 
kitnaashak baa BEESH; 
taai toh gota maath jurey, haowa e 
doley katoi na dhaan er SEESH. 
Graam er boudi raa o 
nemey pore maathey, haath e 
niye ekti kore DAA; 
thik kato dhaan ghar e uthlo, 
seyi hiseb ee korte byastho 
thaake kato chaasi DADA. 
Falan jakhan 
hoy BESHI; 
sathik daam jodi 
paaye sab CHAASHI; 
hoye jaaye taara 
khub KHUSHI; 
kaaron eto parishram er por, 
ghar e aasbe DHANRAASHI; 
taai sabai miley naachgaan kore, baajiye 
maadol, baajiye BAANSHI."- Arindam Sain

BANGABHOOMI TEH POKA; AAR MAHARASHTRA TEH DHOKA !!!

"Bangabhoomi teh POKA;
aar Maharashtra teh DHOKA; 
khabor kaagaz khulleyi khaaben CHYAAKA. 
Korey jot pelo onek VOTE; 
vote peyei bhengey dilo JOT. 
Khichuri khetey laage 
baro ee SUSWADU; 
kintu 'Khichuri sarkar' e 
neyi kono JAADU. 
Maharashtra teh bhaipo gulo r 
daapot o kom NOY; 
bojhaa mushkil jey ei maha natak e, ke 
mukkhyo charitrey korchey ABHINOY. 
Edikey abaar Bangabhoomi te naaki 
komchey dengue r MASHA; 
taholey charidikey eto hocchey 
kano dengue, kano eto DURDASHA ! 
Pourasabha r karmi raa paaye naa 
pourasabha thekey prappyo TAAKA; 
taai toh Kolkata r jonjaalmoy jaayega 
gulo hoy naa poriskaar baa FAAKA. 
Kashmir e sainik morey jaaowa 
aar dengue teh lok morey jaaowa 
toh ek ee byapar BODHOY; 
pourasabha r toh gaafiloti acheyi, 
taar saathe saathe, Kolkata r maanush 
der o hoyni kono BODHODOY. 
Nijer baari r saamneyi felbe 
nongra jal, jomiye raakhbe 
pocha jal aar JONJAAL; 
aar beeri taante taante, baro biggyo r 
mato lecture debe, 'Kolkata Pourosabha 
satti ee kono kaaj korchey naa AAJKAAL'. 
Ekhaneyi noy 
sesh, achey aro 
ekti POKA; 
jaar kaamor kheley, 
gaaye daag hoye jaaye, 
jano choto choto laal CHAAKA; 
jonjaal saaf kore, poribesh poriskaar 
raakhun, noiley jaabe na beshidin 
bhalobhabe THAAKA."- Arindam Sain

TOO MUCH EXPENSES TO PRINT; EVEN EXPENSES ARE MORE IN ANY 'MINT' !!!

"Too much expenses to PRINT; 
even expenses are more in any 'MINT'. 
Lesser number of printing 
is a feasible SOLUTION; 
cashless economy will surely 
bring a financial REVOLUTION. 
So many apps got created 
with almost any type of 
offer or DISCOUNT; 
but, still, many people were 
withdrawing cash from 
their respective ACCOUNT. 
RTGS and NEFT transactions 
were made free of any extra 
charge or COMMISSION; 
but, still, the Indian Government 
failed to succeed in its 
'Cashless Economy' MISSION. 
In a month in total, for withdrawing 
cash more than Rs. 50,000/- from 
ATM machines, POS or Cash Counters, 
there must be 50 rupees DEDUCTION; 
this 0.1% charges on total 
monthly cash withdrawal 
amount will surely help in 
cash withdrawal REDUCTION. 
For depositing cash of more than 
Rs. 50,000 in total in a month 
in any CASA account 
must be 0.1% CHARGEABLE; 
any transaction through any 
banking apps or any 
Internet Banking must be 
fully NON-CHARGEABLE. 
All banks must provide ATM cards 
and Internet Banking in the 
form of any 'Account READYKIT'; 
instant activation of ATM Cards and 
banking apps must make these 
strategies more SUPERHIT."- Arindam Sain

O MERI SHARMILEE, TERI YEH MULAAYAM GAAL GULAABI; AANKHON KI TERI YEH NIGHAEIN BANAA DE MUJHE SHARAABI !!!

"O meri sharmilee, teri yeh 
mulaayam gaal GULAABI; 
aankhon ki teri yeh nighaein 
banaa de mujhe SHARAABI; 
thoda shayarana dil mein 
kya aayi, log kahene laage 
mujhe koi KAVI; 
aankh bandh kar loon, toh kya, 
sapno mein bhi dikhta hain mujhe 
tumhari yeh khubsoorat CHAVI. 
Insaan hoon, yeh dil bhi fisaaltha 
hain kabhi KABHI; 
tumhari kabootar ne ek prem patra 
diya mujhe abhi ABHI. 
Prem patra ke ek panne 
mein tumne banaayi hain 
meri TASVEER; 
tumhari yeh chitrakala 
dekh ke, tum pe bilkul fidaa 
ho gaya yeh tumhari 'VEER'. 
Mere ghar ke aangan se 
urh nahi rahi hain tumhari 
yeh safed KABOOTAR; 
jaroor kuch chitti le jaane ko kaha hain 
isse, sahi mein, yeh Postmanwaali 
Panchi hain bahut chatur aur BEHETAR. 
Soch rahe hain kya likhe, 
par naa jaane kab 
bann gayi ek SHAYARI; 
milte hain aagle Ravivaar ko, Shiv 
Mandir mein, fihaal yeh chitti sweekar 
karlo, Rajkumari 'MAYURI.'"- Arindam Sain

AS EACH AND EVERY BRANCH OF PSU BANKS ARE NOT HAVING INTERNET LEASED LINE; THE DREAM OF MAKING 5 TRILLION DOLLAR ECONOMY WILL BECOME A FOXY, SOUR GRAPEVINE !!!

"As each and every branch 
of PSU Banks are not having 
Internet Leased LINE; 
the dream of making 
5 trillion dollar economy will 
become a foxy, sour GRAPEVINE. 
'Digital India' means that even in 
a remote village, all offices will have 
a fabulous Internet access and SPEED; 
but, the internet connectivity of rural 
branches of PSU Banks are still so poor, 
which is a brutal reality INDEED. 
First of all, for all the branches of 
PSU Banks, create a high quality, high 
speed and uniform INFRASTRUCTURE; 
after that only, step by step, slowly 
and steadily, you plan for taking 
big steps for the FUTURE. 
Just for getting votes, 
don't take bold yet 
annoying DECISIONS; 
as in this e-knowledge era, 
the anger may reflect in 
the next upcoming ELECTIONS. 
In developed nations, 
improvement of infrastructure 
in all offices with UNIFORMITY; 
has always 
been the 
first PRIORITY. 
In China, due to high quality and 
uniform infrastructure, their government 
has fully utilized 'CHEAP LABOUR'; 
and the whole world knows by now, that 
how their great strategies of manufacturing 
sector, went in China's FAVOUR. 
Whichever IT and 
Telecom companies can 
provide great SPEED; 
all Government offices must make 
new tie-ups with them to get 
the market profitability LEAD. 
Why the private 
banks or offices 
will have all 
the MODERNISATION; 
to boost Indian economy, you also need 
to upgrade and modernize each and 
every Indian Government's direct or 
undertaking ORGANIZATION."- Arindam Sain