THREE DUPLICATE ONLINE TRANSACTIONS PER DAY IS THE MAXIMUM LIMITATION; OTP IS A MUST FOR ANY TYPE OF ONLINE TRANSACTION !!!

"A duplicate online transaction can be 
done only after 30 minutes 
of a former successful 
online TRANSACTION; 
only 2 duplicate online transactions 
are allowed in each 12 hours, and 
3 duplicate online transactions per day 
must be the maximum LIMITATION. 
For any duplicate online transaction, 
a message will display, 'A same online 
transaction was successful recently, 
do you want to REPEAT ?'; 
if the customer 
presses the 
'Yes' button, 
then let it be IT. 
For QR payment as well as 
UPI payment, the OTP is a must 
to provide an extra SECURITY; 
in shopping malls and restaurants, 
there must be biometric authentication 
devices of high QUALITY. 
Even for doing any payment by providing 
AADHAAR Card number and fingerprint, 
OTP must be GENERATED; 
in any online transaction, the 
3-tier security system must 
be CREATED."- Arindam Sain

ALL PSU BANK EMPLOYEES MUST HAVE FREQUENT JOB ROTATION; TO DEVELOP THEIR SKILLS FASTER WITH GOOD SENSITIZATION !!!

"All PSU Bank employees must 
have frequent job ROTATION; 
to develop their skills faster 
with good SENSITIZATION. 
In a career of 25 years or so, any 
PSU Bank officer must be posted in 
rural, semi-urban, urban and metro 
branches each for 60 months at LEAST; 
find out the employees of all PSU Banks 
who are not fulfilling this criteria 
as of now and make a 
massive transfer LIST. 
This transfer must 
be coined as 
a 'Transfer of COMPLIANCE'; 
in this type of transfer, the 
PSU Bank must only provide 
the expenses of CONVEYANCE. 
For remote or rural posting, an 
extra 'Rural area fuel allowance' of 
Rs. 500/- must be IMPLEMENTED; 
CCA and non-CCA allowance must exist 
and the premises of all branches must 
look modernized, not OUTDATED. 
In entire career, a PSU Bank officer has 
to work at least in 5 different zones 
in India or OVERSEAS; 
employees of top 5 performing branches 
of each zone must get 'Performance 
linked Payment' or FREEBIES. 
In each and every branch 
of PSU Bank, there must be 
separate 'Cash', 'Advances' 
and 'Operations' DEPARTMENTS; 
officers of 'Operations' and 'Advances' 
must interchange after every quarter 
within same branch to maintain healthy, 
competitive ENVIRONMENTS."- Arindam Sain

BEETH JAATI HAIN YEH ANMOL WAQT; PAR YEH NADAAN ISHQ HAIN KAMBAKHT !!!

"Beeth jaati hain 
yeh anmol WAQT; 
par yeh nadaan ishq 
hain KAMBAKHT. 
Yaad dilaati 
hain ZAROOR, 
ki ek samay tum 
thi mere HOOR, 
aur main 
tumhari NOOR; 
hamari woh premkaahini 
thi bahut MASHOOR; 
naajaane kaise tuti woh bandhan, 
kya pataa kiska tha KASOOR ! 
Aaj Dumdum ki last 
Metro Rail ke andar 
huyi tumse MULAKAAT; 
socha tha ki karoon 
tumse koi BAAT; 
par tumhari bacchein aur 
pati thi tumhare SAATH; 
kuch saalon pehle, inhi Metro Rail 
ke andar baithte teh hum dono 
haaton mein raakh ke HAATH. 
Tum toh 
Esplanade mein 
hee utar GAYI; 
dil mein phir jaag utha 
wahi ishq joh itni 
saalon thi SOYI; 
sunaa hain ki hum jab tumse jhagra 
kar ke chalein gaye teh Bengaluru, 
tumne tab bahut thi ROYI. 
Metro Rail ke seat mein jahan 
tum baithi thi, wahi pe ek 
kagaz ka tukdaa MILA; 
usme tumne apni mobile number 
likh ke gayi ho, kahi phir se naa ho 
jaaye mera character DHEELA. 
Tumse break up hone me baad, 
mere dil pe kabza kar liya tha, 
tumhari bachpan ki dost, SHEELA; 
aab kya mein tumhare saath 
karoon chup chup ke, 
wahi puraani RAASLEELA ! 
Sahi mein, beeth jaati hain 
yeh anmol WAQT; 
par yeh nadaan ishq 
hain KAMBAKHT."- Arindam Sain

AT EDEN GARDENS, INDIA PLAYED THEIR FIRST DAY & NIGHT TEST MATCH WITH THE BALL WHICH IS PINK; FROM 22.11.2019 TO 24.11.2019, SO MANY HISTORY HAS BEEN CREATED, DON'T YOU THINK !!!

"The 'City of Joy' became 
Pinkish to make it 
more ICONIC; 
for India, the Eden Gardens stadium 
has always been so exciting, 
entertaining and HISTORIC. 
At Eden Gardens, India played their 
first Day & Night Test match with 
the ball which is PINK; 
from 22.11.2019 to 24.11.2019, 
so many history has been created, 
don't you THINK !  
Some catches taken by Wriddhiman 
Saha and Rohit Sharma 
were so ACROBATIC; 
the bowling performances by 
the Indian fast bowlers 
looked so FANTASTIC. 
An award must 
be given SOON; 
to the Indian team bowling 
coach, Bharat ARUN. 
Ishant Sharma kept on 
swinging the pink ball with a 
bowling figure of 5/22. 
Umesh Yadav and Mohammad 
Shami dominated with 
the pink ball TOO. 
In the 1st innings, Bangladesh 
scored only 106; 
Virat Kohli scored his 27th century 
with an individual score of 136. 
In reply to the declared innings of 
347/9, Bangladesh in their 2nd 
innings got bundled out at 195. 
Ishant got 9 wickets in total followed by 
8 wickets by Umesh who in the 2nd 
innings, had a bowling figure of 53/5. 
India won the Paytm Test series 
by 2-0 on 24.11.2019 
with an innings and 
46 runs VICTORY; 
winning 7th Tests in a row and also 
winning 4 consecutive Tests by an 
innings margin is indeed a creation 
of a new HISTORY."- Arindam Sain

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