THE 'EMI CASHBACK' STRATEGY CAN HELP THE BANKS TO MAINTAIN A HEALTHY ASSET QUALITY !!!

"CUSTOMER: 'I am a reputed customer 
of your financial INSTITUTION; 
but, what extra reward do we want, 
do you have that INTUITION ? 
The monthly interest 
of our loans are always 
getting repaid BACK; 
if we give the EMI, one week before 
the EMI date per month, we must 
also get a CASHBACK. 
We must get back 
a reward of 1 PERCENT; 
of the total amount of loan 
that the bank has LENT.'

BANKER: 'In digital banking, 
the practice of 'Cashback' 
surely MOTIVATES; 
in case of EMI system, you want some 
motivation also, even if there are 
fluctuations in the interest RATES. 
Sometimes a farmer can also come up 
with a revolutionary idea, though it 
may look slightly WITTY; 
but, in the long run, the 'EMI Cashback' 
strategy can help the banks to maintain 
a healthy asset QUALITY.'"- Arindam Sain

FROM 10 AM TO 2 PM, ON ALTERNATE DAYS ONLY, BANKS MUST REMAIN OPEN; TO EFFICIENTLY MANAGE THE LOCKDOWN AND SOCIAL DISTANCING WITHOUT SO MUCH ADMINISTRATIVE PAIN !!!

"The number of 
ATM Cardholders 
have INCREASED; 
due to the rise in the use 
of digital banking, the cash 
transactions have DECREASED. 
Then, why you need to keep 
the bank branches open DAILY; 
is that virus scared of bankers, 
oh ! come on, don't be so SILLY. 
Majority of the beneficiaries 
have withdrawn the amount 
that they RECIEVED; 
in the form of a 
financial package for 
this virus INDEED. 
If you keep any cash counter of any 
bank open from 10 AM to 4 PM, then, 
everyone will try to get out of their 
house to stand in that LINE; 
when so many customers gather in and 
around any branch premises, no social 
distancing is maintained, we hope that 
all these people remain healthy and FINE. 
Motivate or indirectly force the people to 
get accustomed to digital banking, those 
who have access to banking apps, 
Internet Banking and any ATM CARD; 
this is the time when majority of rural people 
will learn and practice to use digital banking, 
which will be beneficial for Indian Economy to 
gain a decent momentum to march FORWARD. 
From 10 AM to 2 PM, 
on alternate days only, 
Banks must remain OPEN; 
to efficiently manage the lockdown 
and social distancing without so much 
administrative PAIN."- Arindam Sain

'SUBHO NABOBARSHO', AAJI THEKEY SHURU HOILO BANGABHOOMI TE, SAN '1427' !!!

"Sakhi kahe haasiya, 'Hey mor 
sakha, notun ki shikhiley 
tumi ei koy DINEY; 
tomaar haath e haath, katodin paari 
naai raakhitey, kobe je abaar sab 
swabhavik hoibe, ke JAANEY.'

Sakha kahiley, 'Emni teyi 
ami rannabanna 
koritey naahi JAANI; 
tobe ei koy diney, ami shikiyachi onek 
kichu, radhiyachi aloo bhajha, bhajiyachi 
dim, tairi koriyachi posto bada aar BEGUNI.'

Sakhi boliley, 'Shikhiley sudhu 
tumi oi BHAJHBHUJHI; 
baarite ki, aar kono ranna 
shikaibaar lok naai BUJHI. 
Radhitey sekho aloo jhingey 
posto, eenchorer tarkaari, 
patol paneer, doi BEGOON; 
tobeyi toh bujhbo je mor 
ei priyo sakha r royechey 
nanabidho GOON. 
Tumi ermoddhey je kono 
ekta pad raadhibe, aar aami 
taa khaiya kahibo, 'SABBASH'; 
oi dyakho, bhuliya giyachi bolitey, 'Subho 
Nabobarsho', aaji thekey shuru hoilo 
Bangabhoomi te, san '1427'."- Arindam Sain

E KOTADIN URVASHI DER SEVA JATNO NIN, AAR KHAAN MAJHEMODDHEY KHEER !!!

"Kothay jano gaari kore hoihullorh 
korte korte jacchilum BESH; 
hotath dekhi saada megh er koley 
ek rupkatha r DESH; 
ekta raasta egiye cholechey, ekti ottalika r 
dikey, sekhaaneyi raasta taa hoyechey SESH. 
Ottalika r pechoney abosthito 
royechey bishaal ekti PARVAT; 
oi dyakho, ekta sundari mahila amaake 
khete bolle ek glass SHARBAT. 
Egiye cholechi 
oi raasta diye, oi 
raasta r duipaashe dekhi 
garam jal futchey tagbag KORE; 
aar oi garam jal er hrad e kankaal 
gulo saantaar kaatche aar bolchey, 
'Oi dyakh, notun ekjon aaschey, aasuk 
aasuk, korbo ragging okey DHORE.' 
Oi saada dorjaa 
ta theley dukhteyi dekhi, 
bose ache 'CHITRAGUPTA'; 
hesey bolley, 'aaste khub kasto 
hoyni toh, taah boso okhaane, aar 
ebaar tomaar naam ta bole FYALOTO.' 
Naam suney, khaata r paata khali 
jaccchey ultey, aar khaali bolchey, 
'Prabhu ! Ki jwala ! Era abaar 
dhore aanlo KAAKEY'; 
Yamraj toh khepey giye bolle, 'Maanchi 
je charidikey cholchey mahamari, 
cholchey mrityumichil, taah bole 
tomraa dhore aanbe JAAKETAAKE; 
martya r chandal gulo 
abaar er shorir taa ke o 
diyechey kore SESH; 
Chitragupta, er mato dekhte khojo 
kaarur deho, daao paathiye kodin 
pore, hok se jekono DESH.' 
Bolley Chitragupta, 'China r 
Wuhan e peyechi ekta SHORIR; 
tobe e kotadin Urvashi der seva jatno 
nin, khaan majhemoddhey KHEER.' 
Ghum gelo bhengey, 
ke maarle amaare LAATHI; 
oh, swapno dekhchilum, ekhan bazaar jete 
bolchey, amaar JEEVANSATHI."- Arindam Sain

KAHIN 'DARD-E-ISHQ' KI AANSOO NAA DIKHEY, LAAGALO APNI AANKHON MEIN KAJAL; KAHIN 'DARD-E-MOHABBAT' KI DASTAAN DABI NAA RAHEIN, GAAO DIL KHOL KE KOI GHAZAL !!!

"Kahin 'Dard-e-Ishq' ki 
aansoo naa dikhey, laagalo 
apni aankhon mein KAJAL; 
kahin 'Dard-e-Mohabbat' ki 
dastaan dabi naa rahein, 
gaao dil khol ke, koi GHAZAL. 
Itne dino BAAD; 
mat karo humein YAAD; 
naa jaane kitne kiye 
hongey tum FARIYAAD; 
bhool bhi jaao woh waqt, jab tha 
hamare pyar ki ek BUNIYAD. 
Ek mele mein, peheli mulakaat 
mein sirf nazron se nazrein MILI; 
itni khubsoorat dikhti thi tum, sahi 
mein, jaise ho koi 'Kashmir ki KALI'; 
dono ke hee dil mein kuch kuch 
ho raha tha, kyon ki, dono ke 
hee dil tha KHAALI; 
main jish shikshak ke paas ganit padhne 
jaata tha, maloom na tha ki wahi hain 
hamare honewali premika ki GALI. 
Tum dekhti raheti thi 
mujhe aapni 
ghar ke khidki SE; 
aagle mahine, aa gayi tum 
wahi pe ganit padhne, ganit toh 
tum badiya kar leti thi WAISE. 
Baat yahaan ganit 
ki nahin, baat yaahan 
tha ishq KI; 
ganit shikshak ko bhi pata chal raha 
tha, ki, inh dono ki ganitvidya mein, 
aagey badh rahi hain AASHIQUI. 
Naajane kitne saal, kitne maahine 
aur kitne din gaya GUZAR; 
phir bhi yaad toh aati hain sab ko, 
woh pehle pyar ki pehli NAZAR. 
Humko bhoolne ki koshish 
itna bhi naa karo, ki phir se 
kar baitho humse PYAR; 
kyon ki 'Mohabbat-e-Dil' kabhi dimaag ki 
nahi hain suntaa, aur har waqt pyar karne 
ke liye raheta hain TAIYAAR."- Arindam Sain

'HUMAN RACE' CANNOT BE DEFEATED; AS IN THIS WAR, ALL THE NATIONS WORLDWIDE, ARE NOW UNITED !!!

"As the situation is getting WORSE; 
time to take more strict actions, OF COURSE. 
A rural customer said, 'Government 
may take back 500 rupees 
from my bank ACCOUNT; 
if I do not withdraw it within this week', a 
rumour is the cause of long queues for 
withdrawing money of small AMOUNT. 
Private firms especially IT firms, media 
firms, even some Private Banks have 
really proved that 'Technology' and 
'Infrastructure' does MATTER; 
from home itself, the employees of private 
firms are getting full access to all software 
modules and websites, and surprisingly, the 
quality of the work is becoming BETTER. 
Even some private firms are giving temporary 
posting to employees within a radius of 5 
kilometres from his/her HOUSE; 
and those employees are attending the nearby 
office everyday for 6 hours to get rid of 
shoutings or lectures from his/her SPOUSE. 
Some employers are giving threats 
to their employees that they may 
lose their job and their family 
members may SUFFER; 
the employees are also hitting back to 
the employers by saying, 'If we remain 
alive, we may ignore your firm completely 
as we can get any other job OFFER'. 
Lots of adjustments have 
taken place in every SPHERE; 
even there are lesser 
pollutions in ATMOSPHERE. 
'Human Race' cannot 
be DEFEATED; 
as in this war, all the nations 
worldwide are now UNITED."- Arindam Sain

IS THE WORLD REACHING AT ITS ENDPOINT; OR IS IT THAT THE ENTIRE SYSTEM IS JUST RESTARTING !!!

"Many twists and turns will HAPPEN; 
many opportunities will OPEN; 
it will never be 
too late by THEN; 
Tigers and Lions will 
come out of their DEN; 
to reconquer, to REGAIN; 
to rule the territories AGAIN. 
Some disturbances in your life 
is always a signal from God 
that is a 'Blessing in DISGUISE'; 
have faith in your sixth sense and just walk 
towards the new door, that the God is pointing 
at, to become more enlightened and WISE. 
In a new world, 
you have to RISE; 
in a new warzone, for the enemies, you 
must be a warrior who will always SURPRISE. 
Humans are 
the most 
dangerous CREATURE; 
a hard lesson was very much 
required to resolve the issues 
faced by 'Mother NATURE.' 
Humans started to 
become so CRUEL; 
that the soul of 'Mother Nature' 
started to YELL; 
that this Earth Planet is slowly 
transforming into a HELL. 
Therefore, the 'Mother Nature' decided 
to teach the basic things of life, which 
the humans are FORGETTING; 
Is the World reaching at its endpoint; 
or is it that the entire system 
is just RESTARTING."- Arindam Sain