ANY OPPOSITION LEADER ALSO HAS A GREAT DEMOCRATIC RESPONSIBILITY !!!

"Any opposition leader also has 

a great democratic RESPONSIBILITY; 

but, making some weird comments, puts 

a question mark on his/her CAPABILITY. 

Maybe, there 

is a FRUSTRATION; 

but, expressing it publicly, is becoming 

an act of comedy for the entire NATION. 

Even the workers of the opposition 

party are confused that why their 

leader has to always REACT; 

even on little issues which 

are of no importance to 

oppose actually as per the real FACT. 

Almost everyone is of the opinion 

to change the LEADERSHIP; 

otherwise, many efficient sailors and workmen 

may resign from the SHIP."- Arindam Sain

INC FAILED TO UNDERSTAND WHAT TMC REALLY UNDERSTOOD; THE 'DYNASTY POLITICS' IS ACTUALLY RUINING INC, NOT DOING ANYTHING GOOD !!!

"INC failed to understand 

what TMC really UNDERSTOOD; 

the 'Dynasty Politics' is actually 

ruining INC, not doing anything GOOD. 

In this competitive arena of politics, 

you have to provide the young budding 

political leaders, some SPACE; 

otherwise, you may take the 

lead early, but lose in the last 

lap of the marathon RACE. 

TMC is now trying hard 

to repair the DAMAGE; 

to revive the 

old brand IMAGE; 

time will tell whether these young 

leaders will be able to MANAGE."- Arindam Sain

POLICE O PALASH !!!

"POLICE: 'Cycle chaaliye 

kothay jaccho KHOKA ?'

PALASH: 'Aggey ! Bank e jacchi dekhte, 

je amaar account e dhukeche naaki TAAKA !'

POLICE: 'Koi dekhi Passboi ta, 

aajker lockdown e toh Bank er 

dorjaa te o jhulchey TAALA.'

PALASH: 'O taai bujhi, ami bhaablaam 

je hoyto bank ache khola, 

ebong jaabe taaka TOLA'.

POLICE: 'Porshu din ee passbook print hoyeche, 

taaka o tulechish, jodi maar na khete chaas, 

chupchaap baari r dikey PAALA.'"- Arindam Sain

BIDYUT BILL BIBHRAT; E SAMASYA O BESH VIRAT !!!

"Bidyut Bill BIBHRAT; 

e samasya o besh VIRAT. 

Jehetu chilo lockdown, 

taai sab baari r sab 

meter gulo hoyni DEKHA; 

gharbandi chilo praaye sabai, ei kota din e, 

AC machine, fridge ebong aaro kato ki 

chaliyeche khub kore, kato khuki o KHOKA. 

Meter er ekta reading obdi 

laage nyunotomo TAAKA; 

taarpor, hu hu kore baarey bill, aar takhaan 

bidyut bill dekhleyi laagey CHYAAKA. 

Ei sahaj anka 

taa ektu bujhey 

neowa jaak TOBE; 

dhorun 100 unit obdi byabohaar korle, 

nyunotamo 5 taaka proti unit e, 

500 taaka ee HOBE. 

100 unit er beshi, ek 

maash e holeyi kintu taar por er unit 

theke, proti unit e 10 taaka kore LAAGBE; 

April aar May miliye jodi hoy 200 unit, 

tahole apnaar bill 1500 taaka hoye JAABE. 

Jodi April ebong May, ei dui maash ei, 

meter reading dekha HOTO; 

tahole apnaar bill kintu 

aaro 500 taaka komey JETO. 

Kaajeyi samaymato meter reading naa 

dekhaa r pholey, sabaar ee bidyut 

bill er taaka hoye gachey BESHI; 

ei bill theke komaano hok, er 30%, aasuk 

aar ekta shangshodito bill, tobeyi khushi 

hobe samasta KOLKATABAASI."- Arindam Sain

JUST CREATING A 'MIS PORTAL' IS NOT ENOUGH, THE REAL EFFICIENCY LIES IN THE SPREADSHEET GENERATED AFTER DATA EXTRACTION !!!

"Just creating a 'MIS Portal' is not enough, 

the real efficiency lies in the spreadsheet 

generated after data EXTRACTION; 

in many a cases, the information that we 

get in the spreadsheet does not provide 

the real mental SATISFACTION. 

After extracting a spreadsheet, say, 

for example, the NPA borrowers list, 

there is no information about customer's 

mobile number and ADDRESS; 

so, again, a time is wasted to find out those 

details by checking each and every loan 

account in CBS software, which unnecessarily 

delays the entire NPA recovery PROCESS. 

Whenever any NPA borrower 

is coming to deposit any 

money in his/her savings ACCOUNT; 

the CBS software must automatically 

flash in the screen, the NPA loan account 

number and the outstanding AMOUNT. 

The CBS software system 

should be programmed in such 

a manner that it will do 

the automatic DEDUCTION; 

of 5% of the total outstanding amount every 

week from the savings or current account of 

the same customer ID of PNPA borrower in that 

same financial INSTITUTION."- Arindam Sain

IN MODERN TIMES, PSU BANKS ARE MAKING MORE TIE-UPS WITH SECURITY OR LOAN RECOVERY AGENCIES !!!

"In modern times, PSU Banks are 

making more tie-ups with Security 

or Loan Recovery AGENCIES; 

as the PSU Banks are having 

manpower shortage and some 

other administrative EXIGENCIES. 

Based on commission system, the security 

agents work quite aggressively 

on the recovery PROCESS; 

the failure rate of actual 

recovery in these cases 

is somewhat LESS. 

But, in Private Banks, 

they go for a permanent 

'Recovery Officer' RECRUITMENT; 

whose job is to collect 

outstanding dues only everyday 

under the direct guidance of top MANAGEMENT. 

Also, in several cases, 

where there is a 

legal dispute regarding 

bad assets between the 

Private Bank and the NPA BORROWER; 

any permanent 'Law Officer' of the Private Bank 

efficiently tackles the legal case so well, that 

the NPA recovery becomes successful 

as the Private Bank succeeds in 

showing its ultimate legal POWER. 

In PSU Banks, the top management 

is always looking for 

'Jack of all, master of none' 

due to manpower SHORTAGE; 

but, in Private Banks, specific jobs are 

assigned to specialist staffs, and due to 

full concentration on the job, the net profits 

are high in this modern AGE."- Arindam Sain

THE INTRODUCTION OF 'PERFORMANCE LINKED PAY' IN PSU BANKS IS A GOOD INITIATIVE; THE BRANCH EMPLOYEES WILL AUTOMATICALLY GET MOTIVATED WHEN THEY WILL GET INCENTIVE !!!

"The introduction of 'Performance Linked 

Pay' in PSU Banks is a good INITIATIVE; 

the branch employees will automatically 

feel motivated when they will get INCENTIVE. 

Focus will be more at branch level 

to increase the percentage of 

branch PROFITABILITY; 

even by spending a certain percentage of 

this incentive personally, bank staffs can even 

create an unofficial team as per SUITABILITY. 

The unofficial team members after 

getting a share of this incentive will 

always try to achieve the TARGET; 

but, they must also feel 

satisfied with whatever 

unofficial commission they GET."- Arindam Sain