RECRUIT 'FRO' UNDER 'FROM' IN ALL BANKS TO DECLARE A WAR AGAINST PNPA AND NPA !!!

"Are you a 
wilful DEFAULTER; 
then your rank is just 
next to any FRAUDSTER. 
Gone are the days to fool 
the nationalized BANKS; 
so much water has got leaked out 
from the Finance Ministry TANKS. 
Instead of taking 
strong actions on 
NPA BORROWERS; 
why taking out money from RBI 
and LIC by misusing the 
administrative POWERS ! 
Publicize the list 
of Swiss Bank PUBLICLY; 
let the world know that India is not 
at all a poor nation ACTUALLY. 
Poor became 
more poor, rich 
became more RICH; 
when the bleeding due to a wound is 
too much, one may not be alive 
even after the STICH. 
Create a 'Centralized Recovery 
Cell' (CRC) portal, where all 
NPA and PNPA accounts of 
all banks will be migrated 
daily on a real time BASIS. 
If a District Magistrate is willingly not 
giving the orders of acquistions of 
properties under SARFAESI Act, then 
actions to be initiated on that 
DM after proper ANALYSIS. 
Excel sheets extracted from the 
CRC portal must have each and 
every NPA & PNPA borrower's 
address and NAME; 
send notices to their houses, 
SMS them, call them on their 
mobile numbers, tamper publicly 
their dignity and FAME. 
Field Recovery Officers (FRO) 
to be recruited in all banks 
under 'FROM', that is, 'Field 
Recovery Office MANAGEMENT'; 
the employees of all the Banking and 
Finance sector must declare a war 
against defaulters as a united 
warriors REGIMENT."- Arindam Sain

1ST JANUARY 2020 MAY BE THE DECLARATION DAY OF FINANCIAL REFORMS !!!

'1st January 2020 may be 
the Declaration Day of 
Financial REFORMS; 
to boost the Indian finance 
sector, as, nowadays, the world 
rapidly TRANSFORMS. 
The process to be made 
simpler from 
top to BOTTOM. 
Transparency should be there 
at every level, so that, no 'Jerry' 
to be chased by any 'TOM'. 
The finance sector to have 
an insurance cover for 
all the key PLAYERS; 
KYC compliance Inspectors, Relationship 
Managers and Recovery Teams to be 
present at every LAYERS. 
Any type of interest rate will be floating 
in nature after every financial quarter; 
based on INFLATION; 
other bold reforms in finance sector may 
be done very soon the improve India's 
economic CONDITION."- Arindam Sain

NOT ONLY HEALTHY BALANCE SHEET AND FANTASTIC HR INTEGRATION; MERGED PSU BANKS MUST ALSO GO FOR MORE MARKET PENETRATION !!!

"Every month, at least pay the 
interest in SHG CC or KCC account 
to show a TRANSACTION; 
then and then only, the Indian 
Government will give back 2% or 
3% interest SUBVENTION. 
If as a KCC borrower, you are 
not having money, then 
sign on a fresh KCC BOOKLET; 
as relending is 
also a type of 
credit MANAGEMENT; 
else payback a certain amount 
of the total outstanding amount 
to do 'One Time SETTLEMENT'. 
In this phase of 
silent global RECESSION; 
there has to be some reduction in 
any subsidy or CONCESSION. 
To boost the economic condition of 
India, the Finance Ministry must start 
having several corporate SESSIONS; 
some extra taxes, interest and other 
levies to be reduced as of now, by 
taking several bold DECISIONS. 
CASA growth rate of 
PSU Banks are not 
up to the MARK; 
the rate of interest on Savings and 
RD books may be raised a little bit 
to have a slight SPARK. 
Recovery of MSME and Housing loans 
to be directly monitored by a new 
Central Level Recovery CELL; 
otherwise, the model of 'Make in India', 
'Mudra Yojana' and other MSME 
boost up projects may FELL. 
Merging of PSU Banks may lead 
to a healthy balance sheet and 
fantastic HR INTEGRATION; 
but, the Indian Government must 
also boost the PSU Banks for 
more market PENETRATION."- Arindam Sain

THE GOVERNMENT SECTOR FIRMS ARE BLEEDING DESPITE HAVING ARMOUR; BECAUSE THE INDIANS BELIEVE IN ANY TYPE OF NEWSPAPER AND SOCIAL MEDIA RUMOUR !!!

"The Government sector firms are 
bleeding despite having ARMOUR; 
because the Indians believe in any type 
of newspaper and social media RUMOUR. 
When the Finance Ministry has decided 
to merge several Public Sector 
Undertaking Banks, then why the 
process is still so SLOW; 
based on the cooked stories in social 
media and newspaper, the CASA deposits 
are declining in proposed acquired 
banks, which is also a big BLOW. 
After 'ULIP' and 
'Chit Fund' scams, 
common people are 
feeling so INSECURED; 
that everyday or the other, a customer 
of any Bank in India asks the question 
whether his/her money in Banks 
is safe and SECURED. 
To bring faith within the common people 
of India, the Indian Government 
has to take the INITIATIVE; 
so that, the response towards any 
Government office and PSU organization 
always remain POSITIVE. 
When a reform is going on, then 
why unnecessarily delay the PROCESS; 
'speedy implemention' and 'overall security' 
should become the pillars of SUCCESS; 
otherwise, the mapping of people in the 
ministry with an educational background 
of totally other domain knowledge 
may prove to be a MADNESS; 
whatever has been decided, 
implementation of it should be speedy 
enough to counter the silly rumours, 
your HIGHNESS."- Arindam Sain

MAPPING OF A PROPER PERSON AT ANY PROPER DEPARTMENT; OFTEN HELPS THE FIRM TO HAVE AN OUTSTANDING ACHIEVEMENT !!!

"Go through 
anyone's educational 
qualifications CERTIFICATE; 
also study the experiences as per 
job profile before giving him/her 
access to any golden GATE. 
Nowadays, the firms are focusing 
more on 'Talent RECRUITMENT'; 
but, this strategy only 
is not SUFFICIENT. 
Keep a newly recruited person 
under OBSERVATION; 
find out, in which field or subject of the job 
profile, he is getting SELF-MOTIVATION. 
Put that person in that department only, 
where he/she can EXCEL; 
to smoothen the task, HR must form 
an informal counseling CELL; 
maybe, a little research with 
sheer passion has the key to a 
success story to TELL; 
the HR Department must motivate 
the employees before they 
press the HR DOORBELL. 
Mapping of a proper person at 
any proper DEPARTMENT; 
often helps the firm to have an 
outstanding ACHIEVEMENT."- Arindam Sain

O NAGMA, O NAGMA; YOU ALWAYS EXCITE MY BODY'S 'LOVE-MAGMA' !!!

'O Nagma, 
O NAGMA; 
you always excite 
my body's 'LOVE-MAGMA'; 
don't do 
so much DRAMA; 
you also love me, 
I know, o my NAGMA. 
You are the one to activate 
my body's 'LOVE-LAVA; 
love is not as complex as 
'C++', '.NET' or 'JAVA'. 
Let us get MARRIED; 
fix a date to WED. 
The marriage location will 
remain a top SECRET; 
only you agree to it, 
as everything is well SET. 
After marriage, 
a secret HONEYMOON; 
within a year, a new little 
guest will come SOON. 
Your parents are 
so SUPERSTITIOUS; 
and your elder brother's 
psychology is highly SUSPICIOUS. 
Your parents still believe in 
caste system and HOROSCOPE; 
but, I am as modern as you, 
don't lose HOPE. 
You select a secret 
wedding LOCATION; 
we will stay there 
as tourists on a VACATION. 
From there only, we will go to 
our honeymoon DESTINATION; 
for true lovers like us, the word, 
'Love' has no exact DEFINITION. 
By the time, your family members 
do any trouble or HUNGAMA; 
you will be my beloved wife, 
o my sweet NAGMA."- Arindam Sain

WARM UP YOUR RESPECTIVE CAVE; AS YOU CAN FEEL THE WINTER WAVE !!!

"Warm up your respective CAVE; 
as you can feel the winter WAVE. 
'Fire' is the power that the 
Mother Nature GAVE; 
which at anyplace, anytime and 
anywhere from winter, will SAVE. 
Winter time is the ideal time to visit 
any hill station to enjoy SNOWFALL; 
and the icy surface all around in that 
tourist place attracts ALL. 
To warm 
yourself UP; 
drink a yak milk mixed tea, 
at least a CUP. 
Eat plain rotis with 
pure cow's ghee and several 
types of vegetables CURRY; 
just drink lots of water, 
then in winter season, digestion of 
foods will not be a WORRY. 
Winter time is 
the best time for 
picnics and EXCURSIONS. 
To go to the higher altitude, medical 
checkup at certain levels are required 
to get further PERMISSIONS. 
No winter is complete without 
the delicious Christmas CAKE; 
maybe, already at the start of the 
winter, Santa Claus starts to BAKE. 
For many people, Winter season is 
always so FAVOURITE; 
lit up a fire of woods, 
and around IT; 
so many people in the 
bon-fire will SIT; 
take out tasty pieces of boiled 
chicken or mutton MEAT; 
from the heated rod just above the 
fire flames to EAT."- Arindam Sain