PUBLIC SECTOR BANKS OF INDIA MUST FOLLOW '5-5-5 THEORY' TO CREATE AN INTERNATIONAL BRAND !!!

"Mergers based on 
same CBS software 
platforms will make the 
merger process more SPEEDY. 
After the 2nd Quarter of FY 2019-20, 
the system integration must start to 
make the staffs of all merged banks 
fully prepared and READY. 
Training costs and infrastructure costs 
have been saved as the mergers 
are based on same 
CBS software PLATFORMS. 
Passbooks, loan documents and logo 
of all branches must be changed 
rapidly within December 2019 
as per banking NORMS. 
In all PSBs, 
there will be 5 zones; 
North, East, Central, 
South and WEST. 
Each 5 zones headed by Regional General 
Manager (RGM) will have 5 FGM offices 
each with 5 Field General Managers (FGM) 
and each FGM having 5 big Currency CHEST. 
Any substaff has 
to work in 5 different 
branches in his LIFETIME. 
Any clerk has to be posted in branches of 
at least 5 districts and after 55 years 
of age, can take VRS ANYTIME. 
Any officer will get transferred after 
15 months in any Branch and 
has to be posted in branches of 
at least 5 different STATES. 
Rural to Urban to Metro and then again 
Rural; this cycle of posting 
to be followed with 
different HRA RATES. 
All FGM offices in India under 
respective FGM to have 
5 Zonal Offices EACH. 
All Zonal Offices to have 5 District Level 
Controlling Office (DLCO), so that 
any branch does not remain out of REACH. 
Each Branch to have 
at least 5 EMPLOYEES. 
Employees of the Top 5 ranked branches of 
each zone will get the 'Performance FEES'. 
CBS software to be more user FRIENDLY; 
to create a brand GLOBALLY."- Arindam Sain

MERGERS AND MONETARY INFUSION IN PUBLIC SECTOR BANKS WILL HELP TO TAP INTERNATIONAL MARKETS TO BOOST THE INDIAN ECONOMY !!!

"By 31st March 2022, 
there should not be any Public Sector 
Bank in India with less than 
10 lakhs crore BUSINESS. 
At any cost, to boost the Indian economy 
in this competitive fights of the globalized 
arena, the 'mergers and aquisitions' will 
continue in special CASES. 
Be it Airtel, BSNL, Idea or Reliance Jio, 
we don't care; we just to see that each and 
every Indian will have internet access 
in his/her smartphone HANDSET. 
Each and every Indian with an AADHAAR 
Card number must have a SIM Card on 
his/her name and that SIM Card 
is a long term ASSET. 
In this age of digitization, several banking 
apps and digital products are surely 
going to transform your mobile phone 
into an e-wallet (Electronic WALLET). 
Mergers of PSB Banks 
have been conducted based on 
CBS software technology PLATFORM. 
From 12 to 8, from 8 to 4, that is, by 2025, 
there will be only 4 PSB Banks and the Indian 
Banking system will completely TRANSFORM. 
You may ask, why such a merger; but, you 
never asked what is the need of having 
branches of 19 Nationalized Banks in 
big market AREAS. 
More the branches of several Banks, 
more the defaulters, and hence Bank 
employees are still waiting to get 
their Bipartite Settlement ARREARS. 
After the mergers, quality of NPA recovery 
will automatically improve and 
also the KYC QUALITY. 
Number of branches to be reduced 
with increased staff strength in any 
rural area, urban area or CITY. 
Only officers to be 
recruited in PSB Banks 
from now on with a minimum 
graduate degree having 50% marks 
throughout his academic TENURE. 
There will be no clerical posts, as PO will 
act as Cash Officer also, local faithful 
persons to be recruited as substaffs; 
ex-servicemen as security guards and 
preference to be given to provide business 
loans to any local reputed ENTREPRENEUR. 
In any Public Sector Bank, 
the HR PYRAMID 
must look like a pyramid only; 
by restricting too many promotions 
at a time at the higher levels 
in a Financial YEAR. 
Apply 'Pareto Principle' type policy, where 
40% of top management people till Scale-III 
to have 60% of total salary expenses and 60% 
of lower rank people (Scale-II to Substaffs) 
will have 40% of total salary expenses 
with a motivating CAREER. 
Any Savings Account cannot be opened 
without producing ITR-V form 
or Income Certificate 
from Panchayat or 
Municipal CORPORATION. 
UIDAI and NSDL server is linked with CBS 
server to check how many savings account a 
person has and a 5th savings account of that 
person cannot be opened even after 
valid KYC documents PRESENTATION. 
Current Account will 
become dormant and Drawing Power in 
CC or OD account cannot 
be given in CBS system without producing 
latest Trade License renewal Challan 
every year in respective BRANCHES. 
CIBIL and CRIF servers to be linked to CBS 
software with yearly subscriptions to allow 
the Bankers to automatically check the 
Credit Score by doing Customer ID enquiry 
only to disallow any defaulter to play 
the game of high level CHESS. 
The power to seal or capture any 
mortgaged property 
under 'SARFAESI Act' to be 
withdrawn from any 
District MAGISTRATE. 
After 120 days of the notice, the officials 
under 'FATF' and 'ED' will acquire the 
property directly and then may showcause 
the DM about why he/she acted 
against the 'SARFAESI Act' so LATE. 
If a loan becomes NPA, 
then that customer ID and 
all its accounts will become dormant 
till that customer repays 
back the entire money or goes for 
One Time SETTLEMENT. 
Relending and Restructuring will not be 
allowed in any NPA customer's Customer ID 
and after compromise of the NPA, for next 
10 years, no loan account can be opened 
in that customer ID by any 
PSB's Administrative MANAGEMENT. 
As after the mergers of PSBs and 
monetary infusion in it, 
the Indian Economy is 
going to improve AGAIN; 
and the Indian PSBs competing with the 
global banks will be able to tap 
international markets too which 
will be a huge GAIN."- Arindam Sain

HAR DIN EK JUNG LARH RAHEIN HAIN MAIN AUR MERE BANK KE KARMCHAARI; KYON KI HAR BANK MEIN, NPA KA SAMASYA HAIN BAHUT HEE GEHERI !!!!

"Jo cheez khubsoorat ho, woh laagti 
hain humko bade hee PYAARI;
har pal yeh banking kaa kaam 
nahi laagti hain itni bhi SUNEHRI;
baash apne hee dil ko khush karne ke 
liye kabhi kabhi likhte hain SHAYARI; 
par naa koi ajooba hain hum, aur naa 
hee aati hain hum ko koi AIYAARI. 
Dil toh abhi bhi baccha hee hain, 
naa baane hain BYAPAARI; 
graahak o ke mitra hain hum, 
aur pasand naa kartein hain koi bhi 
'Nirav Modi' jaisa BHRASTHACHAARI; 
har Bank mein 
NPA ka samasya hain 
bahut hee GEHERI; 
NPA ko ghataaney ke liye ek jung har din 
larh rahein hain main aur mere Bank 
ke KARMACHAARI."- Arindam Sain

AFTER JOINING BJP, BE PREPARED FOR ANY THUNDERSTORM; AS YOU MAY NOT REMAIN A MINISTER IF YOU FAIL TO PERFORM !!!

"Based on the ideologies of 'Swami 
Vivekananda', the 'Bharat 
Kesari', 'Shyamaprasad Mukherjee' formed 
the 'Bharatiya Jan SANGH'. 
It is to be noted here that this 'Bharatiya 
Jan Sangh' was basically the political 
wing of a social organization, 
'Rashtriya Swayamsevak SANGH'. 
Later on, in 1980, the best cadres of 
RSS jointly transformed this 'Bharatiya 
Jan Sangh' to 'Bharatiya Janata PARTY'. 
For calmness and liberal attitude, 'Atal 
Bihari Vajpayee' is still regarded as a 
political figure full of SANCTITY. 
Early rising, Surya Pranaam, Yoga, 
meditation, outdoor sports, martial arts 
and soft skills training helps any RSS 
Pracharak to have a good PERSONALITY. 
Swami Vivekananda used to believe that 
unless and until an Indian becomes a good 
'Swayamsevak', he or she can never help 
the poor people of the Indian SOCIETY. 
If BJP is a human body, then RSS is its 
skeleton, with a heart of Swami 
Vivekananda's ideology, visionary 
brain of Dindayal Upadhyay with 
Bharat Kesari's CREDIBILITY. 
Therefore, in BJP, 
a fully trained 
and qualified 
RSS Pracharak must get 
the first PRIORITY; 
filmstars join politics most of the times 
to earn more money by capitalizing 
on the word, 'POPULARITY'. 
To serve better for the nation, any political 
party must give more importance 
to the word, 'QUALITY'. 
The communication skills to be developed 
in such a manner that a politician's speech 
must have more CLARITY. 
There has to be CHARITY; 
by maintaining 'Unity in DIVERSITY'. 
One may jump from one party to 
another party, but, will be demoted 
to any lower rank if after any 
CBI Investigation, found GUILTY. 
Those who are not from RSS but has joined 
BJP has to undergo 6 months full training 
from RSS trainers to create a good, 
balanced and sociable PERSONALITY. 
No one here is 
questioning about 
anyone's political 
career or CAPABILITY; 
but, after any RSS training, a poltician's 
patriotism, enthusiasm and performance 
improves and it is a true fact, 
not just a PROBABILITY. 
At this present competitive scenario with 
a global corporate culture trend, when as 
a pollitician, you are joining BJP, be 
prepared for any type of THUNDERSTORM; 
because RSS has started a Quarterly Rating 
System (QRS), and you may not remain 
a minister after any quarter, if 
you fail to PERFORM."- Arindam Sain

'ONE PERSON, ONE AADHAAR NUMBER, ONE CUSTOMER ID, ONE CBS SOFTWARE, ONE SALARY STRUCTURE, ONE PENSION' OF INDIA NATION !!!

"After the success of your 
UIDAI server biometric authentication 
as per your AADHAAR Card, you can 
buy a SIM Card from ANYWHERE. 
Unless and until you have a SIM Card which 
has been bought on your name, your Mobile 
number will not get registered in any of your 
Savings accounts in any CBS SOFTWARE. 
Very soon, all the PSU Banks and Private 
Banks will have one and only one 
CBS software to make 
banking EASIER. 
Only Officers and Substaffs will be 
recruited whereas a PO may have to play 
the role of a cash officer, as there will be 
no such post of 'CASHIER'. 
No matter, in whichever Banks 
in India, you have an account, 
you will have only 
one Customer ID based on 
your AADHAAR LINKAGE. 
If it is found that in respect to your 
Customer ID, any loan in any Bank is in 
IRAC-4, then all your accounts will 
become inactive as your Customer ID 
will be regarded as a GARBAGE. 
ATM Cards cannot be issued 
at any cost, if your last transaction 
was done in that savings 
account 6 months BEFORE. 
An Income Tax of Rs. 5,000/- will be 
charged every year as 'EXCESS SAVINGS 
A/C TAX' if you are having Savings 
Accounts more than FOUR. 
If you don't have 
your mobile number 
registered with your savings account, 
you cannot withdraw from 
any ATM Center at ALL; 
as after giving the ATM PIN number and the 
denominations, an OTP will be messaged 
in your phone which you have to confirm 
over the phone, when you will receive 
an instant voice CALL. 
Even in Bank Mitra or 
Business Correspondents Points, 
OTP will come in 
your mobile phone after 
your biometric AUTHENTICATION. 
In some high level security 
based offices including Banks, the 
Indian Government is also planning 
to implement 'UIDAI RETINA 
MATCHING' AUTHORIZATION. 
Slowly and steadily, one day, there will be 
'One Person, one AADHAAR Number, 
one Customer ID, one CBS Software, 
one Salary Structure, one Pension' 
of INDIA NATION.'"- Arindam Sain

20 YEARS BACK, WHEN WE PASSED OUT; WE WILL REUNION AGAIN, THERE WAS NO DOUBT !!!

"After entering into the arena of a 
cut-throat competitive world, it is hard 
to find anyone whose boat has never got 
trapped even in a small WHIRLPOOL. 
No matter wherever you are, whosoever you 
are, you have to appreciate that the School 
life is always the best one and no one ever 
forgets his/her childhood SCHOOL; 
20 years back, 
when we passed OUT; 
we will reunion again, 
there was no DOUBT. 
We got 
farewell in 1999; 
everyone became busy to make 
a career and to SHINE. 
What a wonderful journey in our 
School life, it has BEEN; 
so, we came back unitedly to have 
a reunion in 2019. 
In any Inter School Competitions, the 
students of other schools used to 
call us as 'JULIENITES'; 
and after seeing so much championship 
trophys, even the teachers used to say that 
the 'JDS 1999' batch is a batch of ELITES. 
All the students of 
Julien Day School, Elgin Road, 
used to practice sports 
at 'Northern PARK'. 
To reach the address of this school, the 
house of our beloved great patriot, 
'Netaji Subhash Chandra Bose' is 
always the best LANDMARK. 
In those days, 
we used to eat 
'Kaalo Kul', 'Current Noonn', 
'Daadur Chul' and 'ALOOKABLI'; 
we played football on footpaths with 
stonechips or a small pieces of brick and 
despite so much pressure of academic 
curriculum, our life was so BUBBLY. 
To collect photos 
of cricketers and footballers, 
we used to buy bubble gums 
like 'BIG FUN' and 'WORLD CUP'. 
In 1990's era, the romantic songs of 
Kumar Shanu and Alka Yagnik tempted us 
to fall in love, and not all our love letters 
used to get a thumbs UP. 
As there was no 
mobile phones in those 
days, by writing creative love letters, 
we improved our writing SKILLS; 
and when we used to get several 
missed calls in our BSNL landline numbers, 
we used to understand what that 
beautiful girl actually FEELS. 
After any parents-teachers meetings, 
we used to review the red inked 
numbers in our MARKSHEET; 
and then always tried to improvise on those 
subjects so that we get lesser scoldings 
after the next 'Parents-Teachers MEET'. 
While sitting at the last benches, 
we used to sing any SONG; 
no information used to leak out to the top 
level as our friendship was too STRONG. 
Whenever the last two periods 
remained off due to 
any teacher's ABSENCE; 
the caretakers of 'Nandan', 'Globe', 
'Lighthouse', 'Metro', 'Roxy' and 
'New Empire' felt our PRESENCE. 
We enjoyed a lot when our school 
administration used to organize 
'Childrens Day' excursions in 
'Nicco Park' and 'SCIENCE CITY'; 
while in the bus, we used to sing the song, 
'Jumma chumma de de' or 'Hamma Hamma', 
and the girls used to say, 'The minds of these 
boys have become so DIRTY.' 
In our times, we even enjoyed 
the classes of 'Work Education' 
and 'Physical EDUCATION'; 
no matter how much naughty we were, 
wherever we went, we won competitions 
to maintain our school's REPUTATION. 
So many talented students 
have passed out from 
this reputed INSTITUTION; 
which has completed its 50 years of journey 
and we salute to our beloved teachers for 
their outstanding CONTRIBUTION. 
With the JDS Badge, brown tie with the 
respective house colour, brown pant 
and cream SHIRT; 
the name of 'Julien Day School, 
Elgin Road' will always 
remain in our HEART."- Arindam Sain

IS THE WORKSHOP ON 'DFS & IDEATION'; IS JUST TO GET ANY VALUABLE SUGGESTION; OR IS IT JUST A PREPARATION, FOR THE UPCOMING 'MERGER & ACQUISITION' !!!

"Is the workshop on 'DFS & IDEATION'; 
is just to get any valuable SUGGESTION; 
or is it just a PREPARATION, 
for the upcoming 'Merger & ACQUISITION ? 
Almost all the branches of 
any PSU Bank is facing the 
problem of 'Staff SHORTAGE'; 
but, one positive side is, that the 
middle management is having 
so many executives of younger AGE. 
PSU Banks are getting geared up 
to compete with private banks in 
any type of COMPETITION. 
The plus point for PSU Banks is 
that the rural customers still have 
faith on this INSTITUITION. 
In terms of CBS software, 
antivirus software and 
BSNL leased line 
connections, in respect to 
private banks, why 
the PSU Banks 
will still remain a NOVICE ? 
Like in Private Banks, whenever a 
new customer comes, you enter all his 
data, KYC documents in CBS to provide 
that customer a readykit i.e. Account 
number, passbook, ATM and IB kit within 
10 minutes, which is a 
speedy customer SERVICE. 
All PSU Banks must have a Loan App for 
Agriculture, Business & Housing (LAABH), 
where, all data, KYC information, I-T return 
files to be entered to get feedback within 
24 hours from Loan Verification Team with 
CRIF, CIBIL and other reports to 
give the green or red SIGNAL. 
If it is green signal, then the respective 
filled up loan documents will get generated 
from 'LAABH' app and 
those copies to be signed by 
borrower, guarantor and two 
bank officers with immediate effect as 
grabbing a big borrower is very VITAL. 
While opening 
any new savings account 
of any customer 
aged below 50 years, 
PMJJY and PMSBY to be 
made MANDATORY. 
At least 5 staffs in any branch, CASA 
readykits with instant digital products, 
speedy loan documentation and its sanction, 
NPA recovery by cash only, and compulsory 
insurance coverage will be the five pillars for 
any PSU Bank's success STORY."- Arindam Sain