Month: April 2018

India post payment bank. Do we really need more banks?

Our prime minister Mr. Narendra Modi has done a commendable job to open bank account of many people who were never thought of possibly opening an account. He rightly executed the ‘Jan Dhan Yojana’. He made it easier to open a bank account for villagers, poor and women. The Yojana was executed through the government run State Bank of India. But now banks have declared their minimum deposit level of cash. Failing which will be penalised by cutting an interest monthly. Is the poor is reaping the benefit of banking or banks are reaping off their small pockets?

Now, here comes a great news. ” Union Minister of state for communications Manoj Sinha on Sunday said that as many as 650 branches of the India Post Payments banks are likely to be operational ¬†across the country by next month i.e. May.

This is not happening. There is no need of additional banks in our country. Specially the banks run by central government. Government should focus on improving the existing banks to topmost level. Because there is lots of drawbacks in our govt banks.

The govt should improve the following things immediately to compete with their private counterparts.

1) Customer Service:

Being a customer of State Bank of India I know that their service is pathetic. Many employees are rude and careless towards their customers. So, the employees should given proper training from time to time.


2) Faster delivery:

Today is the age of faster internet. But government own banks server remains often down. They delay transactions and delays the overall work.

The delivery of loans are not fast and efficient. Be it car loan, housing loan or a personal loan. An immediate improvement is needed in this regard.

3) New Technology:

The technology using by our banks is outdated. They are not efficient to perform high speed transactions. It is time to introduce Blockchain technology to our banks. Blockchain technology is “an open, distributed ledger that can record transactions between two parties efficiently and in a verifiable and permanent way.”


With this I want to say that I am not against including more banks for people. But at first the government have to improve the functioning of the existing banks. It is no need to open more same kind of businesses when you are not earning any profit. If the current banks perform up to the mark then there would be no need of new banks for our country.

Follow your passion to suceed in life

Life is full of opportunity and chances to achieve what you want. You have to know what you want and when you want. That’s it. But there is a twist in this simple sentence. We often really don’t know or confuse what we want. We think that we want this and that but in reality we have never listen to our heart and inner self. Rather we try to fulfil our shallow thoughts which are not desired by us in reality.

Therefore, we fail to achieve those things in life. And actually if we think from our heart then we find that it actually doesn’t matter. Because we really don’t care for them. So, it is very clear that listen to your heart carefully. Listen what it really wants to achieve. Then go for it with all your effort and wholeheartedly. Sooner or later success will be yours.


I often thought that I want to be a Youtuber and an actor. I tried both but failed vehemently. Later on I realised that I am camera shy, my dialogues are not clear and much more negative things. I could have definitely cleared those faults with hard work but I didn’t. There is only a reason for this. I didn’t enjoy what I was doing. It didn’t came out from my heart. So I thought that there is no need of doing things just because you will have money or fame. It is more important to follow your heart and real dream.

Suppose, I like reading and writing. I can start a blog, write a book, articles for online and offline magazines etc. to earn. In the meanwhile doing what I like I may be able to earn a lot and become famous. It really a matter of realizing your true self and time. I have seen many bloggers became influencers and writers. I often watch “Mumbiker Nikhil, and One world One ride, Gaur Gopal Das” and many more Youtube channels. They all are tremendous influencing channels and they are star in their fields.


Therefore, take enough time to find your true passion. And when you are able to find your passion then go for it with leaps and bounds. Never look back again. Remember that success is different for different people and no people are same. There is no specific time to begin and end or retirement. Wish you a grand success in your life.

How popular you are?

Everyone want to be popular, almost everyone. There is very few people which can be counted in one’s finger who doesn’t like to be popular. To be popular is an inner desire of every human being. Being popular means love by, respected by and wanted by others. We as a human being crave for love, respect and feeling important. Our all these egos are satisfied when we are popular. At least we think so.

Today, in this age of high speed internet it is very easy to be popular. You can be a Youtube Star, e-book writer, or a website owner. Not everyone does this will be popular but there is a chance for everyone to try. There is enough opportunity, space for all to show their talent and skill.

Apart from the internet we have our own life and its ups and down. It is this life in which we crave for love and attention. We want to be loved and wanted by all. But many people can’t find the way through. They feel dissolute and lonely. No body likes them and people don’t want to be with them. They have no friend and they are depressed for that. The main reason may be different for this situation but the solution are same. Yes, there are solution of this and it is not very difficult. Otherwise, I have seen many people destroy their life because of not liked by many. They live a depressed life and often tend to fall into bad habits of drinking and smoking.

I have found that there is only two method by practicing which you could become a very popular person and likd by all. They are…

1) Open your heart to all:

Love all beings qith your heart. Don’t try to show love from external and bleed from within. Practice to love all intentionally without any hope of return or profit. When you love an other being without any expectation they will feel it and return the favour. Be a genuine lover of all living creature. It will be difficult at first but it will become your personality.


2) Remember names. Name is an extremely important thing for humans. When my friends or collegues don’t call me by my name or I feel that they forgot my name then I feel that they are ignoring me. They are not showing enough respect for me and they don’t like me. That’s also the case with other people when you can’t remember your name. It is very important to remember names. If you remember the names of every person you meet then sooner you would be a very popular person.


With this I end today’s blog. Don’t hesitate to post any comment and suggestions.