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The technology using by our banks is outdated.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.

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.

Relationship of India-China

McMohan line, or the border between India and China is always has been questioned by China. They still feel and want Arunachal Pradesh telling that it is Southern Tibet. But Arunachal is an integral part of India. Apart from this the recent Doklam standoff also has worsen the situation.

But India-China can become a good neighbor and friend. It is the need of the hour that these two Asian giants step up together with hand in hand. For this, first of all China have to stop supporting country like Pakistan which is a terrorist producing country. And India should also show good intention to resolve the tention and difficulties with talks and bilateral relation.


There will be major benefits of the friendship and bilateral relationship of these countries. Some of them are:

1) Trade: These two countries have a tremendous potential on bilateral trade. China is getting more advantageous position with India. China is no. 1 in producing cheap products though often with less quality.

India should increase it’s export to China with quality and cheap products. Then the Chinese people will embrace our quality products. And India’s trade deficit will decrease.


2) Culture: Though the culture of India is very different but the north-eastern regions have some similarity with the Chinese people. By exploring the cultural traits of both country and mingling them will result opening of many answers regarding human behavior.


3) Fight terrorism: India is most affected by the terrorist activities. China and India can go together to fight all kinds of terrorism and bringing peace to this region. And this will impact the world positively and more countries