Memorable Awards. The Bank has also been awarded Financial Inclusion Platinum Award for its performance under Pradhan Mantri Jan Dhan Yojana

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2 Memorable Awards Our Bank was adjudged the winner in category of Best Payment Initiative amongst Medium Bank by the IBA. Our MD & CEO received the Award in Mumbai on Our MD & CEO was conferred the BMA Management Women Achiever of the Year Award " on The Chairman PFRDA awarding Sri Imran Amin Siddiqui, FGM Kolkata, for securing first position in opening of APY accounts during the campaign "We for Victory". Shri M. N. Patel, FGM Bhopal being awarded by Chairman PFRDA for opening 2nd highest number of APY A/cs during the campaign "We for Victory" Shri S. K. Suri, FGM, Allahabad receiving Award from Chairman, PFRDA for excellence in APY The Bank has also been awarded Financial Inclusion Platinum Award for its performance under Pradhan Mantri Jan Dhan Yojana

3 FROM THE DESK OF THE MANAGING DIRECTOR AND CEO Dear Allahabadians, I am extremely happy to present the Mar 18 edition of the Bank s in-house magazine Triveni Dhara. I would like to compliment the editorial team of the house magazine for taking pain and efforts to bring this magazine back to life in the last quarter. The previous edition of Triveni Dhara received a very warm and encouraging response from all the quarters. I am delighted to see that the contribution made by each one of you helped the drive in bringing out the next issue. I am positive that this issue will be welcomed with equal enthusiasm as the previous one. It should be the endeavor of all of us to ensure that this magazine is a regular feature. Triveni Dhara serves as a platform to express our creativity, our interests in various forms and I am sure that you will continue to write on diverse topics. You may get the contributions from your family members in the form of articles, stories, poems, travelogues, etc. We come to know about the creative pursuits of people around us through such attempts. But for holidays and weekends on day to day basis our schedule is almost fixed as a major chunk of time is spent in commuting and taking care of official duties. In order to break this monotony, we can take out time for ourselves i.e. Me time. This may be utilized for any of the activities that provide relaxation to the mind. Such activities help in rejuvenating ourselves. It may involve creative pursuits like drawing, painting, singing or simply taking a stroll, watching TV or having a dialogue with the family. These activities provide positive energy apart from giving us relaxation and personal growth. We may therefore, within our dayto-day schedule, engage in our hobbies or creative pursuits so that we feel reenergized to take on the tasks for the next day. It is a matter of great pride for all of us that Allahabad Bank has been recently adjudged as the winner in the category of Best Payment Initiative amongst medium banks by the Indian Banks Association for Kolkata, 19th March 2018 FY17. The Bank has also been awarded Financial Inclusion Platinum Award for its performance under Pradhan Mantri Jan Dhan Yojana. Furthermore, three FGMs viz., Kolkata, Bhopal and Allahabad were the winning APY service providers for the We for Victory campaign organized by Pension Fund and Regulatory Development Authority (PFRDA). Here, I would like to acknowledge the contribution of each one of you who are directly or indirectly connected with this achievement. A big congratulation to each one of you! Further, I am very happy to share with all of you that the Bank s Employee Share Purchase Scheme (ESPS) received an overwhelming response which truly reflects the confidence employees have in their beloved organization. I thank you all once again for your spontaneous support. The Bank reported losses of Rs crores during the Dec 17 quarter owing to higher provisioning. Therefore, in order to nudge the Bank towards profitability, the need of the hour is to put in our efforts towards increasing business levels on both assets as well as liabilities side. Achieving our desired goal would be the combined efforts of each of us. Therefore, it is imperative that we support the growth of this great institution. We are in the last quarter of the present fiscal. The need of the hour is re-dedicating ourselves to ensure growth of the organization. Our focus will be mainly on earning interest, conserving capital and making profits by aiming at higher low cost deposits, recovery of overdues, increasing SMARt loans off-take and NFNI income. Another important area that we need to focus is recovery in written-off accounts as this straightaway goes to improve the Bank s profit. It is the time to put in our best foot forward and work together towards transformation of this organization which will collectively help to turn around the Bank. I would like to end my message by quoting, There is no substitute for hardwork. Yours sincerely, (Usha Ananthasubramanian) 1

4 From the Desk of the Executive Director Dear Allahabadians, We, being a Public Sector Bank, have been contributing towards nation building since nationalization. Brand PSB in general and Allahabad Bank in particular, has always dedicated its services for the development of the nation. However, in recent times some unfortunate events have hit the banking industry due to which system and procedures of PSBs are under scanner. This has led to some negative sentiments about the Banking industry. Our Bank has a glorious past of 153 years and during these years the Bank has passed through many challenges and has always emerged stronger. Just a little more effort is needed from all of us to overcome these challenges and transform the present negativity into positive sentiments. This can easily be achieved by treating all our customers with utmost courtesy and understanding, as banking is a customer-centric business. Their queries and misgivings should be carefully attended by us, only then we shall remain true to our tagline A Tradition of Trust. It is now time to move forward and garner quality business. I am sure that plenty of such business is readily available in the market, we only have to set our sights on such business and bring it to our fold. Needless to mention that all systems and procedures of the Bank should be adhered to, at all times. NPA recovery and slippage control should continue to be our prime focus areas, besides mobilizing low cost deposits (CASA) and lending under SMARt loans. In this pursuit, we all have to rededicate and redouble our efforts to overcome the challenges that our bank is facing. I solicit whole-hearted cooperation from each one of you to rise to the occasion and take our bank to greater heights in the coming days. Wishing you good luck for the new Financial Year. With best regards. (N.K.Sahoo) 2

5 Greetings from the Chief Editor Dear Allahabadians, At the outset, I express my sincere gratitude for an overwhelming response to Bank s first in-house e-magazine, Triveni Dhara from all corners of the country. Triveni Dhara was re-launched in January 2018 as an e-magazine, showcasing articles also in regional languages for the first time. Needless to mention that this multilingual magazine, available in digital format on intranet as well as on Bank s website has received widespread acceptance and appreciation. I am grateful to all contributors for their valuable submissions and most importantly, for their spontaneous participation. We have now created a dedicated -id i.e. trivenidhara@allahabadbank.in to facilitate collection of contributions and innovative suggestions at one place. However, to make our magazine more enriching and vibrant, it is desired that all of us, specially the younger generation should come forward and contribute wholeheartedly. It would not be out of context to mention here that Bank has recently marked its presence on Social Media platform through its Official Facebook page and Twitter handle. Active and positive use of these platforms by all staff members can further enhance the Bank s Brand image. You may follow Bank s Official Facebook page at and Twitter handle at Allbank@1865. With best wishes, (P.Datta) 3

6 Women s Day th 8 March 4

7 P FæFWµFU ÍFFÞF TRIVENI DHARA PæFðFÜFæFõ F] / CONTENTS &Fk : 31 H ÛFF Fa 2018 õfkñff¼=+ ÛFk áf EDITORIAL BOARD ÛF]&ÜF õfkñff¼=+ ÑFU. ¼ F P. Datta õf¼õüf MEMBER ¼UPÑ F êfuæffõ FæF õfkñff¼=+;fµf EDITORS ÑFk=+ F P FÑFF*U ÜFFW;FWèF =]+ÛFFÞ èfûffa CHIEF EDITOR Dipti Srivastava Pankaj Tripathi Yogesh Kr. Sharma From the Desk of the Managing Director & CEO 1 From the Desk of the Executive Director 2 Greetings from the Chief Editor 3 +Éä ɽ Ò ÉÉ ÉÚ 6 Indelible Moments 7 Ê ÉkÉÒªÉ ºÉ ÉÉ Éä ÉxÉ Eäò xéb +ɪÉÉ É ½ É B ÉÆ º{ÉÉäEò ÉÉb±É ÉéËEòMÉ 8 Hope can always revive Faith, Peace & Love 9 -Poetry in Telegu 10 An analysis of Modern Society at Cultural and 11 Professional Front Vol. 31 H March 2018 The Journey 12 ²ÌyíÅ y - Poem in Bengali 13 Evolving Technologies lkbcj lqj{kk dk dkuwuh igyw 14 ÉÉ iéòªé ÉéËEòMÉ ÉhÉɱÉÒ Éå ÊbÊVÉ]±É GòÉÆÊiÉ 17 Manu Bhaker...the Wonder Girl 18 +ÊJÉ±É ÉÉ iéòªé ÉVÉ ÉɹÉÉ ºÉ Éä±ÉxÉ 19 Know Our Customer 22 I am yours Let me be yours 23 Shooting - Straight From My Heart 24 ½Ê ué B ʹÉEäò É ªÉÉjÉÉ 26 Life - A Phantasmagoria of Consciousness! 28 To that somewhere 29 Ê É{ÉhÉxÉ iéeòxéòeò BEò ºÉÆVÉÒ ÉxÉÒ 30 Cash Economy to a less Cash Economy 31 Story of Wilma Rudolph 32 UÉä]Ò SÉÓ]Ò EòÉ xéªéé ºÉ Éä É 33 Mr. Subrata Bysack- An Allahabadian 35 we are proud of An Interview with Shri H. C. Sati 37 The views and opinions expressed herein are exclusively of the author s and not necessarily of Allahabad Bank. For private circulation only. Not for sale 5

8 +Éä ɽ Ò ÉÉ ÉÚ ÊnxÉä É EÖò ÉÉ IÉäjÉ É½É É ÉxvÉEò ±ÉJÉxÉ> ªÉ½ÉÄ iéö ½å ( ÉɪÉn) +VÉÒ É ±ÉMÉ ½É ½è, ÉÖ ÉÊEòxÉ ½è, ÊPÉxÉ ÉÒ +É ½Ò ½Éä +Éè <xé Ê É^Ò Eäò fú½éå EòÉä näjéeò ºÉÆMÉ É É Ò iéévé ɽ±É ªÉÉn +É ½É ½Éä ÊEò ÊEòiÉxÉÉ òeçò ½è néäxééå Éå ªÉÉn ½è iéö ½å MÉÉÄ É ºÉä ºÉ Ér EòlÉÉxÉEò EòÒ Ê ò± Éå näjéxéä Eäò ÉÉn iéö ½É ä Ên±É Éå nnç EòÉ EèòºÉÉ =päeò =`É léé +Éè ½lÉäʱɪÉÉå Éå ÉÖĽ UÖ{ÉÉ Eò ÊEòiÉxÉÉ ÉäªÉä léä iéö É {É +ÉVÉ =ºÉÒ {ÉÊ Éä É Eäò ºÉ ÉÖJÉ {ɽÖÄSÉ iéö ½É Ò +ɺlÉɪÉå EòÉÆSÉ Eäò ÊMɱÉÉºÉ EòÒ ié ½ SÉ]Eò CªÉÉå MɪÉÒ ºÉ½ÉxÉÖ ÉÚÊiÉ EòÒ VÉÉä ÉÉSÉÒ å iéö ÉxÉä KÉbÒ EòÒ léó +ºÉʱɪÉiÉ Eäò ÉÉ ºÉä É É É Eò ÊMÉ CªÉÉå MɪÉÓ CªÉÉ ÊºÉ Çò <ºÉʱɪÉä ÊEò iéö É É½ Ò ½Éä +Éè =xé ºÉÖÊ ÉvÉÉ+Éå É ={ɱÉÊ véªééå Eäò ÉvªÉ VÉÒiÉä ½Éä ÊVÉx½å Éä {ÉÉ xé½ó ºÉEòiÉä ÊVÉxÉEäò ÉÖiÉÉʱ±ÉEò Éä VÉÉxÉiÉä iéeò xé½ó ªÉ½ÉÄ Eäò ÊxÉ ÉÉʺɪÉÉå EòÉä näjé Eò iéö ½å Ên±±ÉÒ EòÉ ÊSÉÊcªÉÉPÉ ªÉÉn +É ½É ½è VÉÉä iéö ½É Ò +ÉÆJÉä Ê ÉiÉÞ¹hÉÉ ºÉä ÉÚÆnxÉä ±ÉMÉÒ ½è =xéeäò ÉSSÉÉå EòÉä véú±é Éå ±ÉÉä]iÉä näjé iéö ½å = ÉEòÉ<Ç ºÉÒ ½Éä ½Ò ½è + ÉÚ ÉxÉ iéö ½å ÉɱÉÚ É xé½ó ÊEò ªÉ½ÉÄ Eäò ÉÉÊ Éxnä Ê É^Ò SÉÉ] Eò Égä ½é +Éè Ê É^Ò JÉÉEò ½Ò VÉÒ ½ä ½é + ä! ºÉÖxÉ Eò iéö É PÉ ÉcÉ CªÉÉå =`ä ½Éä MÉå½ÚÄ EòÒ ÉɱÉÒ EòÒ ié ½ lé lé É CªÉÉå ½ä ½Éä =vé näjééä ɽ xéæméä ÉnxÉ VÉÉä JÉcÉ ½è iéö ½É ä {ÉÉºÉ +ÉxÉä ºÉä b ½É ½è CªÉÉåÊEò iéö ½É ä =ºÉEäò n ªÉÉxÉ iéö ½É É É½ Ò{ÉxÉ +É MɪÉÉ ½è =ºÉEäò ÉxÉ Éå iéö ½É Ò +Ê ÉVÉÉiªÉiÉÉ Eäò ÉÊiÉ +ÉiÉÆEò UÉ MɪÉÉ ½è EòÉ É iéö É +{ÉxÉÉ É½ Ò{ÉxÉ ZÉ]Eò Eò =ºÉEòÒ ié ò néäºiéò EòÉ ½ÉlÉ ÉgÉiÉä iééä VÉÉxÉ {ÉÉiÉä ÊEò UÉä]ä Eòn EòÉ É½ EÞò ÉEòÉªÉ ÊEòºÉÉxÉ EèòºÉÉ ºÉÆ ÉänxÉ ÉÒ±É +Éè Ên±É EòÉ ÊEòiÉxÉÉ ÉcÉ ½è* 6 Live as if you were to die tomorrow. Learn as if you were to live forever - Mahatama Gandhi

9 Indelible Moments International Women s Day is celebrated all over the world on 8th March. It is celebrated to make the women realize their real worth and also boost to fully exploit their hidden potential. Women s courage to cross all the hurdles and bring about a sea change in all the spheres of life is especially appreciated on this very day. As Hillary Clinton said, Women are the largest untapped reservoir of talent in the world. Likewise, this year, we at Allahabad Bank also celebrated International Women s Day. At the helm of affairs, we have Smt. Usha Ananthasubramanian as the Managing Director & CEO, who graced the occasion by addressing the women employees of the Bank at Head Office. The excerpts from her address are being shared here for the benefit of the staff especially the women. The MD & CEO enumerated the multiple roles that women play in their everyday life. Women have also gained financial independence, which has given them confidence to lead their own lives and build their identity. They are successfully taking up diverse professions, thus proving that they are second to none in any respect. While doing so, women also strike a balance between their commitment to their home and family as well as the profession. She also emphasized on the importance of women empowerment at workplace and to the society at large. In the present scenario, empowerment of women is very necessary to bring gender equality. Today s women realize their strengths and abilities. They are aware that they can contribute to the society, their community and the world. Women are no longer willing to play a second fiddle to their male counterparts. By breaking the glass ceilings, they have proved that they are unstoppable when determined. However, the MD & CEO was of the view that women often sacrifice too much and time and again settle for less in their professional lives. By not moving ahead in Dipti Shrivastava DGM, P&D Dept. HO the career path, one eventually stops learning due to the comfort that the old position provides. In turn, since there is no self-development, there is no contribution to the development of the organization. She therefore, strongly advocated that women should come forward to grab and not to forego their career opportunities and continue to take promotions, keep learning and strive to rise higher in their respective organizations. Referring to a third dimension, she mentioned that amidst all the multiple roles that women play, they tend to forget to care for themselves. They need to keep in mind that carving out time for self is vital for keeping themselves healthy and happy. She opined that a woman must take good care of herself as by doing so, it puts her in a better position to help and take care of others. From the daily grind she is into, a woman must take out time to pursue her interests as it will bring contentment and positivity in her. Overall, we women must continue to inspire, encourage and uplift each other. There is an invisible expectation from all the quarters that we carry out our duties in whichever roles we play. But in the entire process, our own expectations should not take a backseat. We have witnessed significant changes and attitudinal shift in both women s and society s thoughts about our equality. There are now more women in the boardrooms, greater equality in legislative rights and an increased visibility of women as impressive role models in all walks of life. We may say that the scenario has changed for the better. Therefore, every year, just to remind us of our capabilities and give inspiration to progress, the world celebrates Women s Day. Ê ÉjÉiÉÉ EòÒ Mɽ É<Ç {ÉÊ SÉªÉ EòÒ ±É ÉÉ<Ç {É ÊxÉ ÉÇ xé½ó Eò iéò - Ê ÉxpxÉÉlÉ ]èmééä 7

10 Ê ÉkÉÒªÉ ºÉ ÉÉ Éä ÉxÉ Eäò xéb +ɪÉÉ É ½ É B ÉÆ º{ÉÉäEò ÉÉb±É ÉéËEòMÉ (GáFFùFÙFF¼ ÙFYk=+ ÛFF áf) ºÉ ɺÉä ÉÉSÉÒxÉ VÉÉ<Æ] º]ÉìEò ÉéEò ½ÉäxÉä Eäò EòÉ hé <±ÉÉ½É ÉÉn ÉéEò +{ÉxÉä ºlÉÉ{ÉxÉÉ EòÉ±É ºÉä ½Ò ºÉ ÉÉ Éä ÉÒ OÉÉälÉ Éå ÉÉMÉÒnÉ ½É ½è* ÉéEò xéä +{ÉxÉä 153 ºÉÉ±É Eäò <ÊiÉ½ÉºÉ Éå ºÉ ÉÉ Éä ÉÒ ÉéËEòMÉ Eäò ºÉÉ ä +ɪÉÉ ÉÉå Éå +{ÉxÉÒ ÉÉMÉÒnÉ Ò ºÉÖÊxÉÊ SÉiÉ EòÒ ½è,SÉɽä ÉÉä ºÉ½EòÉ Ò ºÉÊ ÉÊiÉ ºEòÒ É 1904, ±ÉÒb ÉéEò ºEòÒ É +Éè BºÉB±É ÉÒºÉÒ ÉÉb±É (1970), OÉÉ ÉÒhÉ ÉéEò ºlÉÉ{ÉxÉÉ (1975), ºÉä± ò ½ä±{É OÉÖ{É EòÉxºÉè{] (1980), VÉxÉvÉxÉ ªÉÉäVÉxÉÉ {ÉÚ ÉÇ EòÉ±É ( ) ªÉÉ {ÉÒB ÉVÉäbÒ ÉÉ<Ç Ê É ÉxÉ (+MɺiÉ 2014 ºÉä) ½Éä* ÉéEò ½ EòÉ±É Gò É Éä {ÉÊ ÉiÉÇxÉ EòÉ ºÉÉIÉÒ +Éè ÉÉMÉÒnÉ ½É ½è* Ê ÉkÉÒªÉ É¹ÉÇ iéeò ÉéEò ªÉtÊ{É ÉÉ ié ºÉ EòÉ É ÉÉ iéòªé Ê VÉ ÉÇ ÉéEò Eäò ÉÉxÉEòÉå Eäò +xéöºéé ºÉ ÉÉ Éä ÉÒ Ê ÉEòÉºÉ Éå +{ÉxÉÉ ªÉÉäMÉnÉxÉ Eò iéé ½É ±ÉäÊEòxÉ É¹ÉÇ Éåä ºÉ ò±éiéé Eäò xéb +ɪÉÉ ÉÉå EòÉä UÚxÉä Eäò ʱÉB ÉéEò xéä +{ÉxÉÒ ªÉÉäVÉxÉÉ Éä +É ÉÚ±ÉSÉÚ±É {ÉÊ ÉiÉÇxÉ ÊEòªÉÉ* ÉéEò xéä Ê É ÉxÉ ÉÉäb Éå EòÉ É Eò iéä ½ÖB Ê ÉkÉÒªÉ ºÉ ÉÉ Éä ÉxÉ EòÉä ÉéEò Eäò ʱÉB Ê ÉWÉxÉäºÉ B ÉÆ ÉÉìÊ ò] ºÉå] Eäò {É Éä {ÉnºlÉÉÊ{ÉiÉ Eò xéä EòÉ ÊxÉ SÉªÉ ÊEòªÉÉ +Éè ÉéËEòMÉ <ÊiÉ½ÉºÉ Éå BEò {ÉÚhÉÇiɪÉÉ xéb ÉÉb±É EòÒ ÉÖ +ÉiÉ EòÒ, ÊVɺÉEòÉä <±ÉÉ½É ÉÉn ÉéEò Eäò ½ É B ÉÆ º{ÉÉäEò ÊEò+ÉäºEò ÉÉb±É Eäò {É Éä ÉÉxªÉiÉÉ Ê É±ÉÒ* <ºÉ ÉÉb±É Eäò +ÆiÉMÉÇiÉ ÉÉÆSÉ EòÉä ½ É ÉÉxÉiÉä ½ÖB <ºÉEäò SÉÉ Éå ié ò ÉéEò Ê ÉjÉ, xéä] ÉéËEòMÉ / ÉÉä ÉÉ<±É ÉéËEòMÉ, ªÉÚ{ÉÒ+É<Ç/ ÉÒ É +ÉvÉÉ / ÉSÉæx] +ÉvÉÉ {Éä +Éè B]ÒB É EòÉ º{ÉÉäEò xéä] ÉEÇò ÉxÉɪÉÉ MɪÉÉ iééêeò ÉÉÆSÉ ºÉä UÉä]ä +Éè ÉZÉÉä±Éä ±ÉäxÉnäxÉ EòÉä º{ÉÉäEò xéä] ÉEÇò {É Ê É}] ÊEòªÉÉ VÉÉ ºÉEäò* ÊVɺɺÉä ÉÉÆSÉ Éå =xé ±ÉäxÉnäxÉ {É ½ÉäxÉä ÉɱÉä +Éì{É ä ÉxÉ±É JÉSÉÇ EòÉä +ÉvÉä ºÉä ÉÒ VªÉÉnÉ Eò É ÊEòªÉÉ VÉÉ ºÉEäò +Éè ÉÉJÉÉ EòÉä ÉÒc ÉÉc ʽiÉ ÉxÉÉiÉä ½ÖB ÉÉJÉÉ Eäò º]É ò EòÉä +xªé C ÉÉʱÉ]Ò ªÉ ɺÉÉªÉ Eò xéä EòÉ ÉÉèEòÉ Ê É±É ºÉEäò hé JÉÉiÉÉå EòÒ Éä½iÉ ÉÉäÊxÉ]Ë MÉ ÊEòªÉÉ VÉÉ ºÉEäò* xéòséä ÊnªÉä MÉB SÉÉ]Ç Éå ÉÊiÉ ±ÉäxÉnäxÉ JÉSÉÇ ( {ÉB Éä) ÉiÉɪÉÉ MɪÉÉ ½è,ÊVɺÉEòÉä näjéeò +É{É º ɪÉÆ ½Ò ÊxÉvÉÉÇÊ ié Eò ºÉEòiÉä ½é ÊEò ÉÉJÉÉ (½ É) ºÉä ±ÉäxÉnäxÉ Eäò ºlÉÉxÉ {É º{ÉÉäEò ±ÉÉäEäò ÉxÉ ºÉä ±ÉäxÉnäxÉ EòÉä ÉgÉ ÉÉ näeò ½ É ÉéEò Eäò JÉSÉÉäÈ EòÉä Eò É Eò ºÉEòiÉä ½é* Branch BC ATM Internet Mobile <ºÉEäò ºÉÉlÉ ½Ò xéòséä ÊnªÉä MÉB OÉÉ ò Éå ½ É +Éè º{ÉÉäEò ÉÉb±É EòÒ {É äjéé EòÉ ÉhÉÇxÉ ÊEòªÉÉ MɪÉÉ ½è* +É{É näjé ºÉEòiÉä ½é ÊEò <ºÉ Éå ÉÉJÉÉ EòÉä ½ É Eäò {É Éä n ÉÉǪÉÉ MɪÉÉ ½è +Éè º{ÉÉäEò Eäò {É Éå > {É : ÉéEò Ê ÉjÉ SÉèxɱÉ, Éä É ËºÉ½ +ÉVÉÉn ={É É½É É ÉÆvÉEò Ê ÉkÉÒªÉ ºÉ ÉÉ Éä ÉxÉ Ê É ÉÉMÉ, ÉvÉÉxÉ EòɪÉÉÇ±ÉªÉ xéòséä: xéä] ÉéËEòMÉ ÉÉä ÉÉ<±É ÉéËEòMÉ +É<ÇB É{ÉÒBºÉ ÉÒ É ªÉÚ{ÉÒ+É<Ç, ÉÉB: B]ÒB É/ ÉÉ<GòÉä B]ÒB É +Éè néªéå: +ÉvÉÉ {Éä CªÉÚ+É EòÉäb POSMPOS ÊnJÉɪÉÉ MɪÉÉ ½è* > {É ÊnªÉä MÉB ÉÉìb±É Eäò +xéöºéé ÉéEò Ê ÉjÉ SÉèxÉ±É EòÉä niéiéé {ÉÚ ÉÇEò <ºiÉä ÉÉ±É Eò iéä ½ÖB ½ É ºÉ ÉÒ º{ÉÉäEò EòÉä ºÉÆSÉÉʱÉiÉ Eò ½ä ½é +Éè +Éì{É ä ÉxÉ±É JÉSÉÉäÈ Éä Eò]ÉèiÉÒ Eò xéä Eäò ºÉÉlÉ-ºÉÉlÉ ½ É ÉéEò Eäò ªÉ ɺÉÉªÉ Éä =ké ÉäkÉ ÉÞÊr Eò ½ä ½é* ÉéEò Ê ÉjÉ ÉÉb±É Ê òcºb ºlÉÉxÉ, ºÉ ÉÉxÉ JÉ- JÉÉ É +Éè òìxésé, +ÉìxɱÉÉ<xÉ 24x7 ±ÉäxÉnäxÉ, <Æ] ÉéEò <Æ]ÅÉ ÉéEò ºÉ ÉÒ ±ÉäxÉnäxÉ, {Éä{É Ê½iÉ +ÉvÉÉ +Éè B]ÒB É EòÉbÇ +ÉvÉÉÊ ié ÉÖMÉiÉÉxÉ, {ÉÚhÉÇ Eäò ÉÉ<ǺÉÒ ºÉʽiÉ +ÉìxɱÉÉ<xÉ BºÉ ÉÒ/+É bò/b òbò JÉÉiÉÉ JÉÉä±ÉxÉÉ, Ò]ä±É +Éè hé É{ÉÉäVÉ±É ºÉÆOɽhÉ, BxÉ{ÉÒB Ê Eò É Ò, +ÉvÉÉ ºÉÒËbMÉ, {ÉÒB ÉVÉäVÉä ÉÒ ÉÉ<Ç/{ÉÒB ÉBºÉ ÉÒ ÉÉ<Ç/B{ÉÒ ÉÉ<Ç BxÉ Éä±É Éå], {ÉÉºÉ ÉÖEò Ë ÉË]MÉ, {Éä EòÉbÇ Ê ÉiÉ hé +ÉÊn EòɪÉÉäÈ EòÉ ºÉÆSÉɱÉxÉ 8 Intense love does not measure, it just gives - Mother Teresa

11 ºÉ ò±éiéé {ÉÚ ÉÇEò Eò ½ä ½é* ºÉ ÉÒ ÉéEò Ê ÉjÉ ÉÉ<GòÉä B]ÒB É ºÉÖÊ ÉvÉÉ ºÉä ±ÉèºÉ ½é iééêeò ºÉÖnÚ OÉÉ ÉÒhÉ +ÆSÉ±É Éå Ê ÉkÉÒªÉ ºÉÉIÉ iéé Eäò ºÉÉlÉ-ºÉÉlÉ B]ÒB É ±ÉäxÉnäxÉ EòÒ ºÉÖÊ ÉvÉÉ ÉnÉxÉ EòÒ VÉÉ ºÉEäò* ÉéEò xéä ÉéEò Ê ÉjÉÉå Eäò ʱÉB +Éä{ÉäCºÉ ÉÉb±É EòÉ SɪÉxÉ ÊEòªÉÉ ½è ÊVÉºÉ Éå ºÉ ÉÒ ÉEòÉ Eäò JÉSÉæ SÉɽä ÉÉä Ê òcºb ½Éä ªÉÉ nèêxéeò, =ºÉEòÉä ÉéEò Ê ÉjÉ ué É ÊEòªÉÉ VÉÉxÉÉ ½è +Éè ÊEòºÉÒ Éɽ Éå ÊEòB MÉB ±ÉäxÉnäxÉ, JÉÉiÉÉ hé ɺÉÚ±ÉÒ, ÉÒ ÉÉ +Éè {Éå ÉxÉ JÉÉiÉÉ +ÉÊn EòɪÉÇ Eäò +ÉvÉÉ {É Eò ÉÒ ÉxÉ ÉÖMÉiÉÉxÉ ÊEòªÉÉ VÉÉiÉÉ ½è* EÖòU +ÉÆEòcä xéòséä ÊnªÉä VÉÉ ½ä ½é,ÊVɺÉEäò +ÉvÉÉ {É +É{É ÊxÉhÉÇªÉ Eò ºÉEòiÉä ½é ÊEò ÉéEò Ê ÉjÉ ué É ºÉÆSÉÉʱÉiÉ ÉéEò EòÉ ½ É +Éè º{ÉÉäEò ÉÉb±É ÊEòiÉxÉÉ EòÉ MÉ ½è* ÉéEò Ê ÉjÉ ué É JÉÉä±Éä MÉB JÉÉiÉÉå Éä EÖò±É Êb{ÉÉìÊWÉ] EòÒ ÉÞÊr ÊxÉ xééxéöºéé ½è: ÉÉSÉÇ 14 ÉÉSÉÇ 15 ÉÉSÉÇ 16 ÉÉSÉÇ 17 VÉxÉ É Ò 18 ɹÉÇ ÉÊ É Eò Éäc Éä ÉéEò Ê ÉjÉ ué É ÉÊiÉ Éɽ 45 ±ÉÉJÉ ±ÉäxÉnäxÉ ÊEòªÉÉ VÉÉ ½É ½è,ÊVÉºÉ Éå ±ÉMÉ ÉMÉ 2000 Eò Éäc {ÉB EòÉ ±ÉäxÉnäxÉ ½ÉäiÉÉ ½è* ÉÉ̹ÉEò +ÉvÉÉ {É ÉéEò Ê ÉjÉ ué É 5 Eò Éäc ±ÉäxÉnäxÉ ÊEòªÉÉ VÉÉ ½É ½è, ÊVÉºÉ Éå ±ÉMÉ ÉMÉ Eò Éäc ÉÊ É EòÉ ±ÉäxÉnäxÉ ½ÉäiÉÉ ½è* ÉéEò Ê ÉjÉ ué É ÊEòB VÉÉ ½ä ±ÉäxÉnäxÉ Éå ºÉä 53 ÉÊiÉ ÉiÉ ±ÉäxÉnäxÉ ÉÉJÉÉ ué É JÉÉä±Éä MÉB JÉÉiÉÉå Éä ½ÉäiÉÉ ½è,ÊVɺÉEäò EòÉ hé ÉéEò +{ÉxÉÒ ÉÉJÉÉ+Éå ºÉä UÉä]Ò ÉÊ É Eäò ±ÉäxÉnäxÉ EòÒ ÉÒc EòÉä Eò É Eò xéä Éå ºÉ ò±é ½Ö+É ½è +Éè ÉéEò Eäò +ÊvÉEòÉÊ ªÉÉå +Éè Eò ÉÇSÉÉÊ ªÉÉå EòÉä MÉÖhÉ ÉkÉÉ {ÉÚhÉÇ ±ÉäxÉnäxÉ Eò xéä +Éè ÉÉÊxÉ]Ë MÉ ½äiÉÖ {ɪÉÉÇ{iÉ ºÉ ÉªÉ Ê É±É ½É ½è * ºÉÉlÉ ½Ò ºÉÉlÉ ±ÉäxÉnäxÉ Eäò JÉSÉÉäÈ EòÉä ±ÉMÉ ÉMÉ +ÉvÉÉ Eò xéä Éå ºÉ ò±é ½Ö+É ½è* ÉÉ iéòªé Ê VÉ ÉÇ ÉéEò ué É VÉÉ Ò Eäò ÉÉJÉÉ JÉÉä±ÉxÉä ½äiÉÖ Éɺ] ÑFPÞÑF F Eäò +xéöºéé ÉéEò ÉÉb±É Eäò +ÆiÉMÉÇiÉ JÉÉä±Éä MÉB ºÉ ÉÒ 5000 ÉéEò Ê ÉjÉ ±ÉÉäEäò ÉxÉ <ºÉ ɹÉÇ ºÉä ÉÒºÉÒ +É=]±Éä] Eäò ºlÉÉxÉ {É ÉéËEòMÉ +É=]±Éä] ÉÉxÉä MÉB ½é* ÉéEò ÉÉb±É EòÉä ÊGòªÉÉÊx ÉiÉ Eò xéä Éå ÉéEò Eäò ]Éì{É ÉèxÉäVÉ Éå] ºÉä ±ÉäEò ÉÉJÉÉ ºiÉ Eäò ºÉ ÉÒ +ÊvÉEòÉÊ ªÉÉå/Eò ÉÇSÉÉÊ ªÉÉå, ÉéEò Ê ÉjÉÉå +Éè ºÉÌ ÉºÉ ÉÉä ÉÉ<bºÉÇ xéä +{ÉxÉÉ + ÉÚ±ªÉ ªÉÉäMÉnÉxÉ ÊnªÉÉ ½è, ÊVɺÉEäò {ÉÊ héé ɺ É {É ÉéEò EòÉ ½ É +Éè º{ÉÉäEò ÉÉb±É ÉéËEòMÉ =téämé Éå <±ÉÉ½É ÉÉn ÉéEò ÉÉb±É Eäò {É Éå VÉÉxÉÉ VÉÉiÉÉ ½è +Éè +É{ÉEòÉ ÉéEò ±ÉMÉÉiÉÉ =SSÉ ºlÉÉxÉ {É +{ÉxÉÒ VÉMɽ ÉxÉÉxÉä Éå ºÉ ò±é ½É ½è* ÉéEò EòÉä {ÉÒB É+Éä, +É<Ç ÉÒB +Éè BxÉ{ÉÒºÉÒ+É<Ç ºÉä {ÉÖ ºEòÉ ÉÉ{iÉ ½ÖB ½é +Éè <ºÉ ɹÉÇ ÉÒ +É{ÉEòÉ ÉéEò +Éè {ÉÖ ºEòÉ ±ÉäxÉä Éå ºÉ ò±é ½äMÉÉ, BäºÉÉ ½ ÉÉ Ò ]Ò É EòÉä {ÉÚhÉÇ Ê É ÉÉºÉ ½è* Hope can always revive Faith, Peace & Love THE FOUR CANDLES: Four candles slowly burned. The ambiance was so soft, one could almost hear them talking The first candle said: I am Peacel The world is full of anger and fighting. Nobody can keep me lit. Then the flame of Peace went out completely. The second candle said: I am faith! I am no longer indispensable. It doesn t make sense that I stay lit another moment. Just then a breeze softly blew Faith s flame. Sadly the third candle began to speak: I am Love! People don t understand my importance so they simply put me aside. They even forget to love those who are nearest to them. And waiting no longer Love s flame went out. Suddenly A child entered the room and saw the three unit candles Why aren t you burning? You re supposed to stay lit till the end. Saying this, the child began to cry. Then the fourth candle answered: Don t be afraid, I am Hope! While I am still burning we can relight the other candles. With shining eyes the child took the candle of hope and lit the other candles. The Greatest of These Is Love but the flame of Hope should never go out of your life! With hope each of us can live with Peace, Faith and Love. ( Collected ) Education is the most powerful weapon which you can use to change the world - Nelson Mandela 9

12 K H Venkateswaran Dy. General Manager Board Secretary, Head Office 10 All differences in this world are of degree, and not of kind, because oneness is the secret of everything - Swami Vivekananda

13 An analysis of Modern Society at Cultural and Professional Front Pankaj Tripathi Astt. General Manager Head Office It takes a while for anyone of us to actually realise that we have reached twenty eighteen. Yes my dear colleagues, we are almost two decades down in the new millennium and it s not just time, but technology, culture, work place scenario and ethics, both individual and of a society which have galloped ahead in leaps and bounds. Briefly touching on the four aspects enumerated above, technology has taken a mammoth leap as our society has transited from landline connections to smart phones, from communication once a day to once every hour, from options between an Ambassador and a Fiat to Audis, BMWs and Land Rovers available at our doorstep, from travelling to Singapore to buy a handicam to buying it online, it s all at the click of a finger and our society has definitely progressed. Culturally too, we have travelled from a primarily conservative and religious society to a modern, globally connected society where there is much more freedom of expression, education and western influence affecting us both positively and negatively. At work place, the rigid hierarchy adhered to fifty years back is much more liberal, welcoming initiatives from young talent and greater significance for workplace ethics and work life balance. With the growth of private sector, more and more opportunities have mushroomed for the youth to grow and keep pace with the world and also giving a tough competition to government sector. Participation of women professionally has taken a big leap which empowers both the economics of the country and cultural matrix of the Society. However, with the growth in technology, information and awareness, corporate ethics have declined in several instances which result in scams and frauds, causing depletion of public trust in organisations. The need of the hour is to install more ethical corporate practices and better corporate vigilance for prevention of any unpleasant and notorious activities in the work front. So, the crucial question is... What is the need of the hour? The need of the hour is to evolve and adopt a culture where the potential and opportunities for progress and growth are ample and deserving talent from all walks of life is assigned the job of meeting the targets. Opportunities and work culture be such that it imbibes the best of both the worlds in terms of work practices, work-life balance and equality for women while reengineering the same for the matrix of our country. India, being a growing superpower, is in a commanding position today at the global platform, as the Government thrusts manufacturing and makes FDI and FII more conducive for foreign investors. IT sector is already the sunshine industry of the country which has opened wide arena for the Indian talent. Our society is bestowed with rich and diverse cultural heritage as it is, thus adapting to the western culture judiciously to some degree will only make it richer. However, the catch is in not losing our own rich heritage in the process. Hence, we may modify it to suit the present world scenario, but not lose it in the process of keeping pace with the speed of growth. It is wise to remember, that many International legends including Steve Jobs, Founder of the tech giant Apple, the renowned TV host and anchor Oprah Winfrey, the legendary Hollywood actor Richard Gere and many When everything seems to be going against you, remember the airplane takes off against the wind, not with it Henry Ford 11

14 others have found refuge in the simplicity and purity of the Indian Soil at different points of life and have visited India to find meaning, when they lost it everywhere else. Thus, it is a humble reminder to modern day youth to stay connected to the soil while soaring high in the sky. We need to preserve our family values, love and respect for the elderly and loving and supportive societal structure while moving ahead. In this modern scenario, the question arises that what is the place for ethics such as hard work, integrity, honesty or sincerity? For this, I believe, these virtues are the foundation stone of a society, a home and an organisation. They are the brick and mortar of a tall building. And for a building to be strong and concrete, the foundation and cement need to be in place. Therefore, the age old virtues still need to be weaved into our work, play and families for a stable base and strong foundation. Thus, modern society needs to take careful steps in this path of progress, such that sustainable development may be achieved and the society may progress while keeping any negative influences at bay. The task may be Herculean but it happens to be the only way for sustainable development. Deep Sarkar Probationary Officer Karimpur Branch A journey had thus begun, Z.O. Berhampore The first sight out of mother s womb. Unaware of the path we would walk. Yet another new journey that awaits. A journey through unknown lands. Along the path, There had been times that we cherish, And times we failed, There also had been times that we remember not much. We, like toys made from clay, And shaped by uncountable moments and experiences. Many a time, we had and would become weak, With all our hopes be lost, But to believe in ourselves Would be all we need. And we shall see our future, Shaping itself from our belief. That, we shall grow stronger, That even if we can t walk, we shall crawl But not stop till we reach the place we have believed. That, we shall be greater than our fears, That a place exists beyond the mighty oceans, Beyond the highest mountains, And with our belief like the silver lining amongst the dark clouds, Someday, we shall definitely reach, One day, we will definitely reach. 12 Strive not to be a success, but rather to be of value Albert Einstein

15 ²ÌyíÅ y Ö þ yÿ= ²Ìy_«îÄyBþ þ #Å ö vþ x!šþ þyîûþ yöìÿ î Ïþ#î e«# þ y % Å îy þyœ ë þ þyœ %þ %îû!îöì þœ îûy!e îyvþüyëû öì îû Çþ þ Äy!î # ²ÌKþy!î # xkþ x!ÿ!çþ þ ö þyœy öìœ z _ ö þîœ! þ_ öë!!o þð ~ z xyîöì xy þyÿ þyöìœy îy þy!î ì ëû %þöìþ îû! þ þîû îäyöìˆîû y þ þœöìšé î ëûð y þ!î þy!ÿò, î öìîûöì þ þyœy xüt²ì îû { ìåy! y xydöì þy ì ö œy þäyöìœ[þyöìîû îû!î àþy %þîû xy öì y þyœ# xhsþöìîû öë!îöì ìîû µyœy %öì yœy y!œ ßþºöì²À ö! )îû yöìëûöì þ þy œ #îû yöìîû öšéyr %þ!ýþîû ~ þý%þ îy y ö îûy þ % %þîû þ yöìvþü %þþ!ýþ þöìîû ~ þœy îöì y z!šé ö þyöì y y ÁË îy þy )öìîûîû yöìàþ ö yœyëû œ% y #îû þ yöìîû ö ïöì þy öîöìëû ëyëû þöìœ ~ þ y!gþ öîûyöì îû ö œy!gþ!œ þ! œ þöìîûîû þyšéy þy!šéð þ vþü!ÿ ~öì îöì þ yöìÿ %þÿœ yöì y yëû yöìàþîû öÿöì ì îöì îû yöìîû õþäy ~öì yëûð îûy!e %öìvþü þyîûyîû ö œy ö Äyêßþ y % y y ö z þœ { ìyå m µ é ßþºôxy öì þy þyð ~ î Ö % ßþº²À ~î ßþº²À öìëû z íyöì þ %þ_y öÿëûyœ xüt²ì îû y % ì öìëû vþyöì þ þ %öì y ëû y þ %öì yîû yöì ö y îûy xyvþüáºîû ýöìíôyvþü xyîû ö yfšéöìîöì þ þyöìýþ y îšéîûð ) Åþ ëyîûy þyîûy z þyœyëû þyîûy z þyöìˆ öìvþü þäyîœy þäyîœy ö þyýþ ö ëû xyîû yîûy #î öìîûð þä þyýþy z ~ þyöìœöì þ hßþ öë BþÝþ xy yîû! oy í%öì öì þ z îyvþüöìšé Ö % Ýþ þöìî x y yîû % þöìî þöìî þyœ vþzàþöìî ö öì þöìî #î Ä öìî xyöìœyîû þ îûÿ öœöì ö z xyÿyöì þ ~ þ þyîûyöì þ ~ þœy î y! y!šþ!îûöìëû yç þíy, þð yç # þ!î þy Ðé Evolving Technologies... Bigdata: Bigdata is known as extremely large data sets that may be analyzed computationally to reveal patterns, trends and associations, especially relating to human behavior and interactions. Big data is data sets that are so voluminous and complex that traditional data processing application software are inadequate to deal with them. Data Analytics: Data Analysis is a process of inspecting, cleaning, transforming and modeling data with the goal of discovering useful information, suggesting conclusions and supporting decision making. It is also known as the process of examining data sets to draw calculations about the information they contain, increasingly with the aid of specialized systems and softwares. Ex of tools: SAS, Apache Spark, Excel etc. Blockchain: Blockchain, originally block chain, is a continuously growing list of records, called blocks, which are linked and secured using cryptography. Each block typically contains a cryptographic hash of the previous block, a timestamp and transaction data. Contd...P-34 Faith is taking the first step even when you don t seethe whole staircase Martin Luther King Jr 13

16 lkbcj lqj{kk dk dkuwuh igyw foosd xqirk mi egkizca/kd,oa ÛF]&ÜF õf[ FÎFF õf]þ FF vf/kdkjh (CISO) Á/kku dk;kzy;] dksydkrk vfecdk Álkn ofj B izca/kd vkbz-vh-] lw- lqj{kk izdks B Á/kku dk;kzy;] dksydkrk fo Kku ds vkfo dkj o uohu rduhdsa tgk fokku dks vkxs ys tkrs gsa ogha ij dkuwu ds fy;s u;h pquksfr;k isnk djrs gsaa lwpuk izks ksfxdh,d u;h rduhd gs ftldk tue fueu rhu dkj.kksa ls gqvk% dei;wvj & blds ckjs esa lozfofnr gs ;gk T;knk dqn dgus dh vko ;drk ugha gsa bavjusv & bavjusv,d nwljs ls tqm+s dbz dei;wvjksa dk tky gs tks jkmvj,oa lozj ds ek/;e ls nqfu;k ds fdlh Hkh dei;wvj dks vu; dei;wvj@dei;wvjksa ls tksm+rk gsa lkbcj Lisl & nqfu;k Hkj esa QSys dei;wvj lapkj usvodz rfkk mlds pkjksa vksj QSys lwpukvksa ds HkaMkj dks lkbcj Lisl (Cyber Space) dk dkyifud uke fn;k tkrk gsa bu rhuksa ls feydj lwpuk izks ksfxdh dk tue gqvka bl rduhd us dkuwu ds {ks= esa ftruh u;h pquksfr;k isnk dha og vu; fdlh vkfo dkj ;k rduhd us ugha dha bu pquksfr;ksa ls fuivus gsrq vyx vyx mik; <wa<+s tk jgs gsa] ns k dkuwu cuk jgs gsa] ljdkjsa fu;e o vf/kfu;e cuk jgh gsa] U;k;ky; QSlys ns jgs gsa] bu lkjs lek/kkuksa dks eksvs rksj ij dei;wvj dkuwu ;k lkbcj dkuwu dgk tkrk gsa Hkkjr esa lkbcj dkuwu bl u;h rduhd ds dkj.k isnk gqbz eqf dyksa dk gy fudkyus ds fy;s lcls igys vius ns k esa dkuwu esa cnyko cksf)d leink vf/kdkj ds {ks= esa fd;k x;ka dkwihjkbv vf/kfu;e dks 1994,oa 1999 esa la kksf/kr dj bl rduhd ds }kjk yk;h x;h eqf dyksa dks nwj fd;k x;ka 2002 esa isvsav vf/kfu;e esa Hkh la kks/ku fd;k x;k] 2004 esa,d v/;kns k ds }kjk isvsav vf/kfu;e esa fd;s x;s la kks/ku dks Li V djus dk iz;ru fd;k x;k ysfdu tc ;g v/;kns k 2005 esa vf/kfu;e ds #i esa yk;k x;k rc bl Li Vhdj.k dks vf/kfu;e esa ugha tksm+k x;ka bldk vfkz ;g gqvk fd isvsav vf/kfu;e esa 2002 esa fd;k x;k la kks/ku ugh ykxw gsa bl {ks= esa lcls egroiw.kz vf/kfu;e 2000 esa lwpuk izks ksfxdh vf/kfu;e (Information Technology Act) ds uke ls cuk;k x;ka bl fu;e ds vurzxr fueu pkj vf/kfu;eksa esa Hkh la kks/ku fd;k x;k% The Indian Penal Code, 1860; The Indian Evidence Act, 1872; The Bankers Book Evidence Act, 1891; The Reserve Bank of India Act, bl le; rhu rduhdsa bavjusv] VsyhQksu vksj Vsyhfotu vkil esa feyrs tk jgs gsaa og le; nwj ugha tc rhuksa fey tk;saxsa Hkkjr esa lkbcj lqj{kk dks etcwr djus gsrq o kz 2017 esa?kfvr nks?kvuk;sa egroiw.kz gsaa igyk ;g fd ljdkj us foùkh; {ks= esa,d dei;wvj bejtsalh Vhe ds xbu esa lgk;rk djus okys dk;zdkjh lewg ds lq>koksa dks lkoztfud dj fn;k gs vksj nwljk ;g fd Hkkjrh; fjtoz csad us vuf/kd`r bysdvªkwfud ysu nsu esa xzkgdksa dk mùkjnkf;ro lhfer djus ds fy;s xzkgd laj{k.k ifji= dk izk#i tkjh dj fn;k gsa nksuksa gh dne Hkkjr esa lkbcj lqj{kk dks etcwr cuk;saxs] igyk Á;kl tgk lkbcj lqj{kk ds rduhdh i{k ls lacf/kr gs] ogha nwljk vkffkzd i{k lsa lkbcj dkuwu ds myya?ku dks eksvs rksj ls nks {ks=ksa esa fohkkftr fd;k tk ldrk gsa 14 All our dreams can come true if we have the courage to pursue them - Walt Disney

17 igyk cksf)d laink vf/kdkj ds {ks= esa myya?ku] nwljk vu; {ks= esa myya?ku% ;g myya?ku eq[; #i ls lwpuk izks ksfxdh vf/kfu;e ds izko/kkuksa dk myya?ku gsa bls lkeku; Hkk kk esa lkbcj vijk/k (Cyber crime) dgk tkrk gsa dei;wvj ;k lozj dks y{; djds fd;s x;s lkbcj vijk/k lkbcj vijk/kksa dks eq[;r% nks Jsf.k;ksa esa ck Vk tk ldrk gs% igyk& tgk dei;wvj ;k lozj y{; gs] nwljk& dei;wvj dk iz;ksx vijk/k djus ds fy;s fd;k tkrk gs ij mudk y{; dei;wvj ;k lozj ugha gksrk gsa nwljs rjg ds lkbcj vijk/kksa dks Hkh nks rjg ls fohkkftr fd;k tk ldrk gs] igyk& tks vkidh leifùk ds fo#) gs] nwljk& ;ksu,oa futrk ls lacaf/kr gsa gkyk fd bu Jsf.k;ksa dh lhek;sa Bhd izdkj ls ifjhkkf kr ugha gsa dqn vijk/k,d ls vf/kd Js.kh esa j[ks tk ldrs gsaa igyh Js.kh ds vijk/k fueukafdr gsa% 1- fmuk;y vkwq lfozl (Denial of Service) (DoS)& vyx vyx osclkbvsa vyx vyx rjg dh lsok;sa iznku djrh gsa] ;fn fdlh osclkbv ij cgqr lkjh bzesy Hkst nh tk;sa ;k fgv gksus yxsa rc mldk os rjhds ls iz;ksx djus okys mldh lsok;sa ugha ys ikrs gsa] og can gks tkrh gsa bls fmuk;y vkwq lfozl dgrs gsaa 2- ok;jl (Virus)& dei;wvj esa ok;jl nwf kr isu Mªkbo] lh-mh-] bzesy] buqsdvsm usvodz vkfn otgksa ls vk ldrs gsaa ;g u dsoy dei;wvj ds MkVk dks lekir dj ldrs gsa cfyd dei;wvj dh dk;z khyrk dks Hkh izhkkfor dj ldrs gsaa blls cpko ds fy;s lcls izkfkfed mik; gs fd vius dei;wvj ij,d ykblsal otzu dk,uvh&ok;jl lkw Vos;j bulvkwy djsa ftls lnk uohure MsfQuh kul ls v ru j[ksa,oa bzesy ls izkir gksus okys layxudksa dks rc rd uk [kksysa tc rd fd vki ml bzesy dh os rk ls iwjh rjg larq V uk gksaa blh izdkj ls MkVk VªkaLQj djrs le; dsoy lqjf{kr fefm;k ¼isu Mªkbo] lh-mh- br;kfn½ dk gh iz;ksx djsa vfkok fdlh ckg~; fmokbl dks iz;ksx djus ls iwoz mls vius dei;wvj ij LFkkfir,UVh&ok;jl ls LdSu dj ysaa ok;jl cukus okys vijkf/k;ksa dh iwjh bamlvªh gs] ftuds f[kykq le; le; ij dm+h dkjzokbz gksrh jgrh gs ysfdu vke yksx Hkh dkuwu ds nk;js esa vk ldrs gsa] vxj mudh ykijokgh ls fdlh ds fllve esa dksbz [krjukd ok;jl igq p tk;s vksj cm+k uqdlku dj nsa bl rjg ds dsl esa vkbz-vh-,dv ¼la kks/ku½ 2008 dh /kkjk 43¼lh½] /kkjk 66] vkbzihlh dh /kkjk 268 vksj ns k dh lqj{kk dks [krjk igq pkus ds fy;s QSyk;s x;s ok;jl ij lkbcj vkradokn ls tqm+h /kkjk 66¼,Q½ Hkh yxkbz tkrh gsa nks k fl) gksus ij lkbcj&okj vksj lkbcj vkradokn ls tqm+s ekeyksa esa mez dsn dk izko/kku gs tcfd vu; ekeyksa esa rhu lky dh tsy ;k tqekzuk gks ldrk gsa 3- osclkbv gsfdax vksj MkVk dh pksjh& dei;wvj MkVk Hkh dkwihjkbv dh rjg lqjf{kr gksrk gsa cgqr ls dei;wvjksa] osclkbvksa esa MkVk xqir ;k futh ;k fqj xksiuh; gksrk gsa osclkbv ;k dei;wvj dks gsd dj bls dkwih djuk ;k u V djuk blh Js.kh esa vkrk gsa blls cpko dk lcls t#jh mik; ;gh gs fd vius dei;wvj ij,d ykblsal otzu dk,uvh&ok;jl lkw Vos;j bulvkwy djsa ftls lnk uohure MsfQuh ku ls v ru j[ksa,oa bzesy ls izkir gksus okys layxudksa dks rc rd uk [kksyk tk;s tc rd fd vki ml bzesy dh os rk ls iwjh rjg larq V uk gksaa gsfdax fdlh fllve ds fqftdy,dlsl ;k fjeksv,dlsl ds tfj;s Hkh gks ldrh gsa t#jh ugha fd gsfdax ds nksjku dei;wvj dks dksbz uqdlku ig qpk gh gks] vxj uqdlku ugha Hkh gqvk gs rks Hkh?kqliSB djuk lkbcj Økbe ds rgr vkrk gs ftlds fy;s ltk dk izko/kku gsa vkbz-vh-,dv ¼la kks/ku½ 2008 dh /kkjk 43 ¼,½] /kkjk 66 & vkbzihlh dh /kkjk 379 vksj 406 ds rgr vijk/k lkfcr gksus ij 3 ¼rhu½ lky rd dh tsy ;k ik p yk[k #i;s rd dk tqekzuk gks ldrk gsa MkVk pksjh ds ekeyksa esa vkbz-vh-,dv ¼la kks/ku½ 2008 dh /kkjk 43¼ch½] /kkjk 66¼bZ½] 67¼lh½] vkbzihlh dh /kkjk 379] 405] 420 vksj dkwihjkbv dkuwu ds rgr nks k lkfcr gksus ij vijk/k dh xahkhjrk ds fglkc ls rhu lky rd dh tsy ;k nks yk[k #i;s rd dk tqekzuk gks ldrk gsa lkbcj vijk/k ftudk y{; dei;wvj ugha gksrk gs cgqr ls lkbcj vijk/k dei;wvj dk iz;ksx djds fd;s tkrs gsa ij mudk y{; dei;wvj ;k lozj ugha gksrk gsa bl rjg ds vijk/kksa dks eq[;r% fueu Js.kh esa ck Vk tk ldrk gs% 1- lkbcj vkradokn (Cyber Terrorism)& lkbcj xfrfof/k;ksa ds }kjk /kkfezd] jktusfrd] lkekftd muekn isnk djuk lkbcj vkradokn ds vurzxr vkrk gsa ;g fdlh Hkh ns k dh vkarfjd lqj{kk dks lekir dj ldrk gsa {ÉÖºiÉEåò ÉÉä ºÉÉvÉxÉ ½é ÊVÉxÉEäò ÉÉvªÉ É ºÉä ½ É Ê ÉÊ ÉxxÉ ºÉƺEÞòÊiɪÉÉå Eäò ÉÒSÉ {ÉÖ±É EòÉ ÊxÉ ÉÉÇhÉ Eò ºÉEòiÉä ½é - ºÉ ÉÇ{ɱ±ÉÒ ÉvÉÉEÞò¹hÉxÉ 15

18 2- vkffkzad vijk/k& dkmz ls xyr rjhds ls islk fudky ysuk] vkwuykbu O;kikj ;k csafdax esa / kks[kk/km+h djuk & ;g lc vkffkzad vijk/k dh Js.kh esa vkrk gsa xzkgd ds mùkjnkf;ro dk fu/kkzj.k djus ds fy;s ekinamksa dh leh{kk djrs gq;s Hkkjrh; fjtoz csad us,d xzkgd laj{k.k ifji= dk izk#i tkjh fd;k gsa ifji= Ák#i esa dgk x;k gs fd tgk xzkgd dh [kqn dh lghkkfxrk LFkkfir gksxh] ogk xzkgd mùkjnk;h gksxk] tcfd fueu ds fy;s xzkgd mùkjnk;h ugha gksxk% tgk /kks[kk/km+h@ykijokgh cs ad dh rjq ls gqbz gksa tgk xzkgd dh [kqn dh lafyirrk ugha gs vksj mlus 4 ls 7 dk;z fnolksa ds Hkhrj?kVuk dh lwpuk csad dks ns nh gs] rks xzkgd dk mùkjnkf;ro vf/kdre `5000@& rd lhfer gks tk;sxka ;fn xzkgd 7 dk;z fnolksa ds ckn fjiksvz djrk gs] rks xzkgd dk mùkjnkf;ro csad ds cksmz dh vuqeksfnr uhfr ds vk/kkj ij fu/kkzfjr fd;k tk;sxka 3- fqf kax (Phishing)& vdlj dqn bzesy,sls feyrs gsa ftlls izrhr gksrk gs fd os fdlh csad ;k fdlh vu; lalfkk dhs osclkbv ls Hkstk x;k gs] ;g vkids csad ds [kkrs ;k vu; O;fDrxr lwpuk izkir djus dk iz;kl djrs gsaa oklro esa ;g bzesy QthZ gksrs gsa,oa vkidh O;fDrxr lwpuk dks tkudj dqn xm+cm+h isnk dj ldrs gsaa bls fqf kax dgk tkrk gsa bl rjg dh bzesy dk tokc ugha nsuk pkfg;sa 4- lkbcj ÝkWM (Cyber Fraud)& vdlj,sls bzesy feyrs gsa fd Hkstus okyh fdlh lwnwj NksVs ls ns k dh iz/kku gs,oa mlds ns k esa r[rk iyv dh?kvuk gks tkus ds dkj.k mls ns k NksM+ dj Hkkxuk im+k gs rfkk mldk lkjk islk mlh ns k esa Q lk gqvk gs ftls fudkyus ds fy;s og vkidh enn pkgrh gsa,sls Hkh bzesy vkrs gsa fd vkids Qksu uacj us djksm+ksa dh ykwvjh thr yh gs ftls ikus ds fy;s laidz djsaa ;g lc QthZ gksrk gs] Hkstus okyk /kks[kk/km+h djus gsrq vkidks Qalkuk pkgrk gsa ;g lkbcj vijk/k gs vksj bl ij dhkh Hkh vey ugha djuk pkfg;sa 5- lkbcj tklwlh (Cyber Espionage)& bls,smos;j (Adware) ;k LikbZos;j (Spyware) Hkh dgk tkrk gsa ;s vkids dei;wvj esa dhkh Hkh vkidh vuqefr ds fcuk LFkkfir (Install) gks tkrs gsaa ;g vkidh xfrfof/k;ksa,oa vkidh O;fDrxr lwpuk,d= djds fdlh vu; dks ¼ftlds }kjk mugsa Hkstk x;k gs½ Hkst nsrs gsaa 6- igpku dh pksjh (Identify Theft)& fdlh O;fDr ds }kjk fdlh vu; dh igpku pksjh djuk ;k mlds bysdvªkwfud glrk{kj dks gsd djuk ;k fdlh vu; ds uke ls QthZ dke djuk] igpku dh pksjh dgykrk gsa vius iklomz esa uacj rfkk o.kzekyk nksuksa dk iz;ksx djsa vksj mls le; le; ij cnyrs jgsaa iklomz ds àñf esa vius O;fDrxr igpku ds kcnksa tsls dh viuk uke] tuefrffk] vius fudv lacaf/k;ksa us uke br;kfn dk iz;ksx dnkfi uk djsaa tc vki fdlh nwljs k[l ds uke ij ;k mldh igpku dk vkhkkl nsrs gq;s dksbz tqez djrs gsa] ;k mldk uktk;t Qk;nk mbkrs gsa rks ;g tqez vkbzmsafvvh Fks V ds nk;js esa vkrk gsa,slk djus okys ij vkbz-vh-,dv ¼la kks/ku½ 2008 dh /kkjk 43] 66¼lh½] vkbzihlh dh /kkjk 419 yxk;s tkus dk izko/kku gs ftlesa nks k fl) gksus ij rhu lky rd dh tsy ;k,d yk[k #i;s rd tqekzuk gks ldrk gsa 7- LiSe (Spam)& LiSe dk eryc gksrk gs vupkgh bzesy tksfd lkbcj vijk/k ds vurzxr vkrk gsa vdlj vkids bzesy ckwdl esa vutkus Ás kdksa ls,sls bzesy izkir gksrs gsa ftuesa vkidks dgk tkrk gs fd vki muds }kjk crk;h x;h lkbv ij tk;sa vfkok muds }kjk iznku dh tkus okyh lsokvksa dk Á;ksx djsaa ;g u dsoy bavjusv f k Vkpkj ds fo#) gs ÙFPá=+ lkbcj vijk/k Hkh gsa bl rjg ds vkijk/kksa esa vkbzvh dkuwu 2000 dh /kkjk 77 ch] vkbz-vh-,dv ¼la kks/ku½ 2008 dh /kkjk 66 Mh] vkbzihlh dh /kkjk 417] 419] 420 vksj 465 yxk;s tkus dk Áko/kku gsa nks k fl) gksus ij rhu lky rd dh tsy ;k tqekzuk gks ldrk gsa 8- vu;& v yhy bzesy] v yhy fp=] fp=ksa dks cnydj fdlh vu; dk fp= yxk nsuk] ;g lc v yhyrk ds vurzxr vkrk gsa bl rjg ds vijk/k lkbcj nqfu;k esa lcls vf/kd gsaa fmftvy gksrh nqfu;k esa lkbcj vijk/k,d xahkhj lel;k dk àñf ysrk tk jgk gsa gsdjksa }kjk izk;% mugha dei;wvj usvodksza esa ls/k yxk;h tkrh gs] ftudk lqj{kk usvodz detksj gksrk gsa vr% rduhd dks muur djrs gq;s rduhdh àñf ls lq <+ usvodz dk fuekz.k djuk gekjh ÁkFkfedrk vo ; gksuh pkfg;s] ysfdu muur gksrh rduhd ls gsdj Hkh Lo;a dks muur djrs tkrs gsa vksj lkbcj vijk/k] iwjh rjg ls can gks tk;sa ;g kk;n gh lahko gks ik;sa,sls esa lkbcj lqj{kk dk vkffkzd i{k Hkh mruk gh egroiw.kz gs] ftruk dh bldk rduhdh i{ka 16 Someone is sitting in the shade today because someone planted a tree a long time ago -- Warren Buffett

19 ÉÉ iéòªé ÉéËEòMÉ ÉhÉɱÉÒ Éå ÊbÊVÉ]±É GòÉÆÊiÉ +Ê ÉiÉ EÖò ÉÉ ÊºÉx½É ÉÊ ¹` É ÉÆvÉEò, ÉÆb±ÉÒªÉ EòɪÉÉDZɪÉ. ÉÉ ÉhɺÉÒ ÉÉ iéòªé ÉéEòÉå xéä {ÉÉ {ÉÊ Eò ÉéËEòMÉ (Conventional Banking) ºÉä ºÉÖÊ ÉvÉÉ ÉéËEòMÉ (Convenience Banking) Éå ÉÉèʱÉEò {ÉÊ ÉiÉÇxÉ EòÉä ɽÖiÉ ½Ò Eò Ò É ºÉä näjéé ½è* iéävéò ºÉä Én±É ½ä {ÉÊ Éä É Éå +ÉVÉ Éä Ê ò ºÉä ÊbÊVÉ]±É ÉéËEòMÉ Eäò ʱɪÉä Eò É EòºÉ SÉÖEäò ½é* ªÉä ºÉ É EèòºÉä ÉÖ ½Ö+É? ÉÉ iéòªé ÉéËEòMÉ IÉäjÉ Éå Eò {ªÉÚ] ÒEò hé EòÒ VÉ ié ºÉ ÉÇ ÉlÉ É 1980 Eäò n ÉEò Eäò =ké ÉvÉÇ Éå ɽºÉÚºÉ EòÒ MɪÉÒ* <ºÉEòÒ ÉÖJªÉ ÉVɽå léó 1. Éä½iÉ OÉɽEò ºÉä ÉÉ 2. ɽÒJÉÉiÉÉ JÉ JÉÉ É 3. É ÉxvÉxÉ ºÉÚSÉxÉÉ ÉhÉɱÉÒ (MIS) Ê {ÉÉäÍ]MÉ 1988 Éå ÉÉ iéòªé Ê VÉ ÉÇ ÉéEò xéä béì. ºÉÒ. ÆMÉ ÉVÉxÉ EòÒ +vªéiéiéé Éå ÉéEòÉå Eäò EÆò{ªÉÚ] ÒEò hé {É BEò ºÉÊ ÉÊiÉ EòÉ MÉ`xÉ ÊEòªÉÉ* º]èxb +±ÉÉäxÉ Eò {ªÉÚ] Eäò +ÉiÉä ½Ò ÉéEòÉå Éå ºÉÚSÉxÉÉ ÉÉètÉäÊMÉEòÒ EòÉ <ºiÉä ÉÉ±É ÉÖ ½Éä MɪÉÉ iéléé ÉéEò ±ÉÉäEò±É BÊ ªÉÉ xéä] ÉEÇò (LAN) {É Eò<Ç Eò {ªÉÚ] Éå EòÉä VÉÉä seò EòÉ É Eò xéä ±ÉMÉä* +ÉMÉä +Éè ÉMÉÊiÉ ½ÉäxÉä {É ÉéEòÉå xéä EòÉä ÉéËEòMÉ {±Éä] òé ÉÇ EòÉä +{ÉxÉÉ Ê±ÉªÉÉ, ÊVɺÉEäò ÉÉn ÉÉÆSÉ ÉéËEòMÉ ÉéEò ÉéËEòMÉ Éå Én±É MɪÉÒ* EòÉä ÉéËEòMÉ ºÉɱªÉÖ ÉxÉ (CBS) Eäò +ÉxÉä Eäò ÉÉn OÉɽEòÉå Eäò ʱɪÉä ÉéEòÉå xéä Eò<Ç ÉEòÉ EòÒ ºÉ½ÚʱɪÉiÉå {Éä É EòÓ* + É OÉɽEò Eò ÉÒ ÉÒ +Éè Eò½Ó ÉÒ ÉéËEòMÉ ºÉä ÉÉ+Éå EòÉ ={ɪÉÉäMÉ Eò ºÉEòiÉä léä* <ºÉEäò ºÉÉlÉ ½Ò +±ÉMÉ+±ÉMÉ EòÉä ÉéËEòMÉ {±Éä] òé ÉÇ VÉèºÉä ÊEò Infosys EòÉ Finacle, TCS EòÉ B@NCS, i-flex EòÉ Flexcube ±ÉÉäEòÊ ÉªÉ ½ÖB* Eäò +ÉÌlÉEò =né ÒEò hé Eäò ÉÉn ÉéEò Eò {ªÉÚ] ÒEò hé Éå ÉÒ JÉÚ É iéävéò +É<Ç* <ºÉ iéävéò Eäò {ÉÒUä ÉÉ< Éä] B ÉÆ Ê Énä ÉÒ ÉéEòÉå ué É nò VÉÉ ½Ò Eò sò ÉÊiɺ{ÉvÉÉÇ ÉÖJªÉ EòÉ Eò léò* Eò<Ç ªÉÉ ÉºÉÉʪÉEò ÉéEòÉå xéä Éä½iÉ OÉɽEò ºÉä ÉÉ Eäò ÉÉ{ÉnÆbÉå {É JÉ ä =ié xéä iéléé ÉÊiɺ{ÉvÉÉÇ Éå ÉxÉä ½xÉä Eäò ʱɪÉä ÊbÊVÉ]±É ÉéËEòMÉ EòÒ ié ò +{ÉxÉä Eòn É ÉgÉ ÊnªÉä* xéªéò iéeòxéòeò EòÉä +{ÉxÉÉxÉä ºÉä ÉéEòÉå EòÉä Eò<Ç ié ½ ºÉä òéªéné ½Ö+É* <Ç ÉéËEòMÉ ºÉä VɽÉÆ BEò ié ò ÉéEò +{ÉxÉä JÉSÉÇ PÉ]ÉxÉä Éå ºÉ ò±é ½ÖB, É½Ó núºé Ò ié ò ªÉ½ Eò<Ç ÉEòÉ Eäò +ÉªÉ ºÉÞVÉxÉ EòÉ ÉÒ ºÉÉvÉxÉ ÉxÉ MɪÉÉ* ={É±É vé +ÉÆEòbÉå Eäò +xéöºéé ÉÉÆSÉ ÉéËEòMÉ Eäò ÉÉvªÉ É ºÉä VɽÉÆ ÉÊiÉ ±ÉäxÉ-näxÉ (transaction) {ɪÉä EòÒ ±ÉÉMÉiÉ +ÉiÉÒ ½è, É½Ó B]ÒB É Eäò ÉÉvªÉ É ºÉä ÉÉjÉ {ɪÉä Éä BEò ±ÉäxÉnäxÉ ½Éä VÉÉiÉÉ ½è* <Æ] xéä] ÉéËEòMÉ Éå ÉÊiÉ ±ÉäxÉnäxÉ ±ÉÉMÉiÉ 2 {ɪÉä ºÉä ÉÒ Eò É +ÉiÉÒ ½è iéléé ÉÉä ÉÉ<±É ÉéËEòMÉ Eäò ÉÉvªÉ É ºÉä ÉÊiÉ ±ÉäxÉnäxÉ ÉéEò EòÉ ÉÉjÉ BEò {ɪÉÉ JÉSÉÇ ½ÉäiÉÉ ½è* Eò ÉÒ ÉÒ-Eò½Ó ÉÒ (anytime-anywhere) ÉéËEòMÉ Eäò ºÉÖÊ ÉvÉÉVÉxÉEò ±ÉäxÉnäxÉ EòÒ ÉVɽ ºÉä ÉéEòÉå EòÉ OÉɽEò +ÉvÉÉ ÉÒ Eò<Ç MÉÖhÉÉ ÉgÉ ½è* ÊbÊVÉ]±ÉÒEò hé EòÒ ÉVɽ ºÉä ÉÉxÉ ÉÒªÉ ÉÚ±É EòÒ ºÉ ÉÉ ÉxÉÉ ÉÒ É½ÖiÉ Eò É ½Éä MÉ<Ç ½è* <ºÉEòÒ ÉVɽ ºÉä BEò ÉVÉ ÉÚiÉ Ê {ÉÉäÍ]MÉ ÉhÉɱÉÒ Eäò ÉÉvªÉ É ºÉä Eò ÉÒ ÉÒ bé]é BEòjÉ Eò xéé B ÉÆ =ºÉEòÉ Ê É ±Éä¹ÉhÉ Eò xéé ºÉ É É ½Éä ºÉEòÉ ½è* ÉÉ iéòªé Ê VÉ ÉÇ ÉéEò nä É Eäò ºÉ ÉÒ ÉéEòÉå Eäò ʱɪÉä Ê ÉÊxÉªÉ ÉxÉ B ÉÆ Ê ÉÊ ÉxxÉ ±ÉIªÉÉå EòÒ ÉÉÊ{iÉ Eäò ʱɪÉä ÉÉMÉÇn ÉÇEò É±É EòÒ ÉÚÊ ÉEòÉ ÊxÉ ÉÉiÉÉ ½É ½è* ÉÖMÉiÉÉxÉ B ÉÆ ºÉ ÉɪÉÉäVÉxÉ ÉhÉɱÉÒ EòÉä ºÉÖof ÉxÉÉxÉä Éå ÉÉ iéòªé Ê VÉ ÉÇ ÉéEò ué É ÉVÉ ÉÚiÉ {ɽ±É EòÒ MɪÉÒ ½è* ÉiÉÇ ÉÉxÉ {ÉÊ ÊºlÉÊiÉ ÉÉ ié ºÉ EòÉ +ÉGòÉ ÉEòiÉÉ Eäò ºÉÉlÉ ÊbÊVÉ]±É ±ÉäxÉnäxÉ EòÉä ÉgÉ ÉÉ nä ½Ò ½è* ÉÉ iéòªé ɹ]ÅÒªÉ ÉÖMÉiÉÉxÉ EòÉ{ÉÉäÇ ä ÉxÉ (NPCI) ué É B ÉÆ BHIM VÉèºÉä <Æ] äòºé Eäò ÉIÉä{ÉhÉ Eäò ºÉÉlÉ ½Ò ÉÖMÉiÉÉxÉ ÉhÉɱÉÒ béä ÉäxÉ Éå ɽi É{ÉÚhÉÇ xé ÉÉäx Éä¹É EòÒ ÉÖ +ÉiÉ ½Éä SÉÖEòÒ ½è* UPI B ÉÆ BHIM º ÉÉ]Ç òéäxé {É EòÉ É Eò xéä ÉɱÉä <Æ] äòºé ½é, ÊVÉºÉ Éä virtual address Eäò ÉÉvªÉ É ºÉä Ê ÉxÉÉ JÉÉiÉÉ ºÉÆJªÉÉ Eäò ={ɪÉÉäMÉ Eäò véxé EòÉ +ÆiÉ hé ÊEòªÉÉ VÉÉ ºÉEòiÉÉ ½è* +ÉVÉ ÉéEò +{ÉxÉä OÉɽEòÉå EòÉä iéävé, +SÉÚEò B ÉÆ MÉÖhÉ ÉkÉÉ{ÉÚhÉÇ ÉéËEòMÉ +xéö É É näxéä EòÉä ÉÊiÉ Ér ½é* <ºÉÒ EòÉ hé ÊbÊVÉ]±ÉÒEò hé ºÉ ÉÒ ÉéEòÉå EòÒ EòɪÉǺÉÚSÉÒ Éå +ÉVÉ ºÉ ÉÉäÇ{ÉÊ ½è* Make your life a masterpiece; imagine no limitations on what you can be have or do Brian Tracy 17

20 ÉÉ iéòªé Ê VÉ ÉÇ ÉéEò EòÒ EòÒ BEò Ê {ÉÉä]Ç Eäò +xéöºéé ÉÉ ié Éå 2,22,000 ºÉä +ÊvÉEò B]ÒB É B ÉÆ 25,29,000 ºÉä +ÊvÉEò {ÉÒ+ÉäBºÉ É ÉÒxÉå EòÉ É Eò ½Ò ½é* ÉÉ iéòªé ÉéËEòMÉ ÉhÉɱÉÒ ué É Ê ÉÊ ÉxxÉ <±ÉäC]ÅÉÊxÉEò ÉÖMÉiÉÉxÉ ÉhÉɱÉÒ VÉèºÉä ÊEò RTGS, NEFT, ECS, CTS, ÉÉä ÉÉ<±É ÉéËEòMÉ, bäê É] EòÉbÇ, G äêb] EòÉbÇ, ÉÒ{Éäb EòÉbÇ <iªééên EòÉä ºÉ½VÉiÉÉ ºÉä º ÉÒEòÉ Eò ʱɪÉÉ MɪÉÉ ½è* ªÉä ºÉ ÉÒ ÉéËEòMÉ IÉäjÉ Éå ÊbÊVÉ]±É GòÉÆÊiÉ Eäò ɽi É{ÉÚhÉÇ {ÉɪÉnÉxÉ ½é* <Æ] xéä] ÉéËEòMÉ xéä ÉéËEòMÉ EòÉ ié ÒEòÉ Én±ÉEò ÉéËEòMÉ ÉSÉɱÉxÉ Éå +É ÉÚ±ÉSÉÚ±É {ÉÊ ÉiÉÇxÉ Eò ÊnªÉÉ ½è* NEFT (National Electronic Fund Transfer) ÉÉ ié Éå BEò ÉéEò ºÉä núºé ä ÉéEò Éå véxé +ÆiÉ hé EòÉ ºÉ ɺÉä ÉSÉʱÉiÉ ÉÉvªÉ É ½è* +ÉvÉä-+ÉvÉä PÉÆ]ä Eäò ÉèSÉ Éå ªÉ½ EòɪÉÇ Eò iéé ½è* <ºÉ ºÉ ÉªÉ ÉÊiÉÊnxÉ 23 NEFT ºÉ ÉɪÉÉäVÉxÉ ½ÉäiÉä ½é* RTGS (Real Time Gross Settlement) ÉÚ±É {É ºÉä néä ±ÉÉJÉ ªÉÉ =ºÉºÉä +ÊvÉEò EòÒ véxé ÉÊ É EòÉä BEò ÉéEò ºÉä núºé ä ÉéEò Éå +ÆiÉ hé Eäò ʱɪÉä ɪÉÖHò ½ÉäxÉä ÉɱÉÒ ÉhÉɱÉÒ ½è* <ºÉ Éå ºÉ ÉɪÉÉäVÉxÉ ªÉlÉÉlÉÇ ºÉ ÉªÉ (real time) {É ½Éä VÉÉiÉÉ ½è* IMPS (Immediate Payment System) iéö ÆiÉ véxé +ÆiÉ hé ºÉÖÊ ÉvÉÉ ÉnÉxÉ Eò iéò ½è VÉÉä 24 PÉÆ]ä ={É±É vé ½è* USSD (Unstructured Supplementary Service Data) <ºÉä ÉÉ iéòªé ɹ]ÅÒªÉ ÉÖMÉiÉÉxÉ ÊxÉMÉ É(BxÉ{ÉÒºÉÒ+É<Ç) ué É Ê ÉEòʺÉiÉ ÊEòªÉÉ MɪÉÉ ½è* ªÉÚBºÉBºÉbÒ Eäò ÉÉvªÉ É ºÉä ÉÉä ÉÉ<±É ÉéËEòMÉ ºÉÖ ÊIÉiÉ, ºÉÖÊ ÉvÉÉVÉxÉEò +Éè ÊEò òéªéiéò ½ÉäiÉÒ ½è* ªÉ½ ºÉ ÉÒ ]ä±éeòéì É ºÉä ÉÉ ÉnÉiÉÉ+Éå Eäò {ÉÉºÉ ºÉ ÉÉxªÉ EòÉäb 99(½è É) Eäò ÉÉvªÉ É ºÉä ={É±É vé ½è* ªÉ½ ºÉ ÉÒ VÉÒBºÉB É ÉÉä ÉÉ<±É ½ébºÉä] Éå EòÉ MÉ ½è* <ºÉEäò ʱÉB ÉÉä ÉÉ<±É ½ébºÉä] Éå EòÉä<Ç B{±ÉÒEäò ÉxÉ <ƺ]É±É Eò xéä EòÒ +É É ªÉEòiÉÉ xé½ó ½è* ªÉ½ ½ ºÉ ɪÉ, ªÉ½ÉÆ iéeò ÊEò + ÉEòÉ É Eäò ÊnxÉÉå Éå ÉÒ ={É±É vé ½iÉÉ ½è* <ºÉEäò ʱÉB ]ä±éeòéì É +É ò{é ä] Éå ué É É ÉÉ Ê±ÉªÉÉ VÉÉBMÉÉ* ÉäË ÉMÉ Eäò ºÉ ÉªÉ EòÉä<Ç +ÊiÉÊ CiÉ É ÉÉ näªé xé½ó ½è* <ºÉEäò ʱÉB OÉɽEòÉå EòÉä ºÉÒ ÉÒBºÉ Éå +{ÉxÉÉ ÉÉä ÉÉ<±É xéæ É ÊVɺ] Eò ÉxÉÉ SÉÉʽB* <ºÉ Éå Éè±ÉåºÉ <ÆC ÉÉªÉ Ò, Ê ÉÊxÉ º]ä] Éå], ÊxÉÊvÉ +ÆiÉ hé +ÉÊn EòÒ ºÉÖÊ ÉvÉÉ ={É±É vé ½è* ÉÒ{Éäb ÉÖMÉiÉÉxÉ ={ÉEò hééå (PPI) EòÉ <ºiÉä ÉÉ±É ½É±É Eäò ÊnxÉÉå Éä ɺiÉÖ B ÉÆ ºÉä ÉɪÉå JÉ ÒnxÉä iéléé véxé +ÆiÉ hé Eäò ʱɪÉä ÉgÉ ½è* PPI Éå ÉÉä ÉÉ<±É ÉÒ{Éäb ={ÉEò hé, ÊMÉ}] EòÉbÇ, Ê Énä É ªÉÉjÉÉ EòÉbÇ B ÉÆ ÉÉä ÉÉ<±É ÉɱÉä] <iªééên ÉÉÊ É±É ½é* <xé ={ÉEò hééå Eäò ÉÉvªÉ É ºÉä ±ÉäxÉnäxÉ EòÉ +ÉEòÉ Éå É {ɪÉä ºÉä ÉgEò Éå É {ɪÉä ºÉä ÉÒ +ÊvÉEò ½Éä MɪÉÉ* SÉÖxÉÉèÊiɪÉÉÄ ºÉÖ IÉÉ VÉÉäÊJÉ É: ½èËEòMÉ, ʺxÉË òmé B ÉÆ º{ÉÚË òmé VÉèºÉä Éɽ Ò JÉiÉ ä VɽÉÄ ÉéEòÉå Eäò ʱɪÉä Écä ºÉÖ IÉÉ VÉÉäÊJÉ É =i{éxxé Eò iéä ½é, É½Ó Eò ÉÇSÉÉÊ ªÉÉå ué É vééäjéévécò +ÉÆiÉÊ Eò ºÉÖ IÉÉ Eäò ʱɪÉä ÉcÉ JÉiÉ É ½è* Ê ÉkÉÒªÉ ºÉÉIÉ iéé/oéé½eò VÉÉMÉ EòiÉÉ: ÊbÊVÉ]±É /+ÉxɱÉÉ<xÉ ÉéËEòMÉ ÉhÉɱÉÒ B ÉÆ ={ÉEò hééå Eäò ÉÉ ä Éå ºÉÉIÉ iéé EòÒ Eò ÉÒ ÉÉ ié Éå BEò ÉcÉ + É ÉävÉ ½è* b EòÒ ÉÉ ÉxÉÉ: ÉÉ iéòªé xééméê EòÉå JÉɺÉEò ÉÊ ¹` xééméê EòÉå, OÉÉ ÉÒhÉÉå, ÊxÉ IÉ xééméê EòÉå Éå ÊbÊVÉ]±É B ÉÆ +ÉxɱÉÉ<xÉ ÉéËEòMÉ Eäò ÉÉ ä Éå b EòÒ ÉÉ ÉxÉÉ ÊEò Éä +{ÉxÉÉ véxé JÉÉä nåméä, BEò ÉcÒ SÉÖxÉÉèiÉÒ ½è* ]ÅäËxÉMÉ EòÉ + ÉÉ É: ÉéEò Eò ÉÇSÉÉ Ò ={ɪÉÖHò ]ÅäËxÉMÉ, VÉÉxÉEòÉ Ò B ÉÆ EòÉè É±É Eäò + ÉÉ É Éå ÊbÊVÉ]±É B ÉÆ +ÉxɱÉÉ<xÉ ÉéËEòMÉ =i{éénéå Eäò ÉÉ ä Éå OÉɽEòÉå EòÉä ºÉ ÉÖÊSÉiÉ ié ÒEäò ºÉä ÉÉEæòË]MÉ xé½ó Eò {ÉÉiÉä ½é* iéävéò ºÉä Én±ÉiÉä ºÉÚSÉxÉÉ ÉÉètÉäÊMÉEòÒ iéeòxéòeò Eäò VÉ ÉÉxÉä Éå ÉéEò Eäò ½ ºiÉ {É ºÉ ÉÖÊSÉiÉ ]ÅäËxÉMÉ ºÉ ÉªÉ EòÒ ÉÉÆMÉ ½è* + É +ÉMÉä CªÉÉ?: Ê ÉVÉxÉäºÉ BxÉÉʱÉÊ]CºÉ B ÉÆ +ÉÌ]Ê òêºéªé±é <Æ]äʱÉVÉåºÉ Eäò ={ɪÉÉäMÉ ºÉä +ÉMÉä +Éè Eò<Ç Én±ÉÉ É ºÉ É É ½é* +ÉÌ]Ê òêºéªé±é <Æ]äʱÉVÉåºÉ ºÉä ±ÉèºÉ Éä ÉÉä] +ÉxÉä ÉɱÉä ºÉ ÉªÉ Éå ÉéEòÉå EòÒ EòɪÉÇ ÉhÉɱÉÒ B ÉÆ ÉSÉɱÉxÉ Éå GòÉÊxiÉEòÉ Ò Én±ÉÉ É ±ÉÉxÉä EòÉä iéèªéé ½é* Eò<Ç ÉÉ< Éä] ÉéEò OÉɽEò ºÉä ÉÉ B ÉÆ ±ÉÉäxÉ ÉÉäºÉä˺ÉMÉ VÉèºÉä ɽi É{ÉÚhÉÇ EòɪÉÉäÈ Eäò ʱɪÉä Éä ÉÉä] EòÉ ={ɪÉÉäMÉ Eò xéä EòÒ Ên ÉÉ Éå Eòn É ÉgÉ SÉÖEäò ½é, ÊVɺɺÉä Eò É JÉSÉÇ {É ±É Éä ºÉ ÉªÉ iéeò Éä½iÉ ºÉä ÉÉ OÉɽEòÉå EòÉä nò VÉÉ ºÉEäò* ÊbÊVÉ]±É ÉéËEòMÉ ½Ò ÉÊ É¹ªÉ EòÒ ÉéËEòMÉ ½è, <ºÉ Éä EòÉä<Ç ºÉxnä½ xé½ó ½è* Manu Bhaker the Wonder Girl Manu Bhaker is an Indian sports shooter. She was born in Goria village in the Jhajjar district of Haryana. As a child she excelled in many sports like, Manipuri martial art, boxing, tennis and skating. She won many medals in these events. Later Manu decided to take up competitive shooting. She started excelling in this sport also. She became the youngest Indian to win two gold medals in 10m air pistol event at the International Shooting Sport Federation World Shooting Championships. She has also won the gold medal in women s 10m air pistol event at 2018 Commonwealth Games at the age of 16 in her maiden Commonwealth Games. 18 Once you choose hope, anything s possible - Christopher Reeve

21 +ÊJÉ±É ÉÉ iéòªé ÉVÉ ÉɹÉÉ ºÉ Éä±ÉxÉ B ÉÆ ÉÉ̹ÉEò ºÉ ÉÒIÉÉ Éè`Eò 2018 º]É ò EòÉì±ÉäVÉ, ±ÉJÉxÉ> Éå 19 ºÉä 20 VÉxÉ É Ò, 2018 EòÉä +ÊJÉ±É ÉÉ iéòªé ÉVÉ ÉɹÉÉ ºÉ Éä±ÉxÉ B ÉÆ ÉÉ̹ÉEò ºÉ ÉÒIÉÉ Éè`Eò EòÉ EòÉ +ɪÉÉäVÉxÉ ÊEòªÉÉ MɪÉÉ* +ÊJÉ±É ÉÉ iéòªé ÉVÉ ÉɹÉÉ ºÉ Éä±ÉxÉ B ÉÆ ÉÉ̹ÉEò ºÉ ÉÒIÉÉ Éè`Eò Éå ÉVÉ ÉɹÉÉ +ÊvÉEòÉÊ ªÉÉå EòÉä ºÉÆ ÉÉäÊvÉiÉ Eò iéò ½Ö<Ç ÉÉxÉxÉÒªÉÉ É ÉÆvÉ ÊxÉnä ÉEò B ÉÆ ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ Ò ÉÒ ÉiÉÒ =¹ÉÉ +xéxiéºéö ÉÀhªÉxÉ <±ÉÉ½É ÉÉn ÉéEò ué É +ɪÉÉäÊVÉiÉ +ÊJÉ±É ÉÉ iéòªé +ÆiÉ ÉéEò ÊxÉ ÉÆvÉ ÉÊiɪÉÉäÊMÉiÉÉ EòÒ Ê ÉVÉäiÉÉ EòÉä {ÉÖ ºEÞòiÉ Eò iéä ½ÖB ÉÉxÉxÉÒªÉÉ É ÉÆvÉ ÊxÉnä ÉEò B ÉÆ ÉÖJªÉ EòɪÉÇ{ÉɱÉEò +ÊvÉEòÉ Ò* ºÉÉlÉ Éå ½é ÉʺÉr EòlÉÉEòÉ B ÉÆ ={ÉxªÉɺÉEòÉ ÉÒ É½äxp ÉÒ¹ É* +ÊJÉ±É ÉÉ iéòªé ÉVÉ ÉɹÉÉ ºÉ Éä±ÉxÉ B ÉÆ ÉÉ̹ÉEò ºÉ ÉÒIÉÉ Éè`Eò Éå ={ÉʺlÉiÉ ÉVÉ ÉɹÉÉ +ÊvÉEòÉ ÒMÉhÉ GòÉävÉ BEò BäºÉÉ iéäwéé É ½è VÉÉä ÊVÉºÉ SÉÒVÉ {Éä bé±éé VÉÉiÉÉ ½è =ºÉºÉä VªÉÉnÉ =ºÉ {ÉÉjÉ EòÉä xéöeòºééxé {ɽÖSÉÉiÉÉ ºÉEòiÉÉ ½è ÊVÉºÉ Éä ÉÉä JÉÉ ½è - ÉÉEÇò ] ÉäxÉ 19

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24 Know Our Customer Sanjeev Sharma Chief Manager, Anandlok Branch New Delhi Whenever we talk about our customers and their affiliation with our Bank, the first image to flash before my eyes is that of the highly respected Septuagenarian customer of Anandlok Branch, New Delhi-Shri Mahanand Sharma, popularly known as Jijaji by the entire branch. Mr. Sharma had a technical background as he had completed his diploma from ITI in Air-conditioning and Refrigeration. Soon after, in the early seventies he started his career as a mechanic with M/s A.C. Corporation, Delhi. Later he was promoted as Foreman and worked on this post till In pursuit of career opportunities he migrated to Jeddah in But service could not quench his thirst for innovation and after a short stint of serving in the Gulf for 2 years, he returned back to the country in He then ventured into the business of maintenance of AC plants on a very small scale. His first client was Devika Towers at Nehru Place, New Delhi, of whom he talks fondly even till date. It was during this period that Sharma ji s relationship with our Bank started. His brotherin-law, who was a staff member in Anandlok branch, was pivotal in introducing him to the Bank. A current account for his business, in the name of M/s Clymate Control was opened with Anandlok Branch in which regular transactions started taking place. However, even after the transfer of his brother-in-law from this Branch, Mr. Sharma continued his patronage towards the branch. Till 1987, his company was engaged in very small tenders in and around Delhi that could barely meet the business expenses and salaries of employees. But he never gave up and kept striving to get business of bigger corporates and government departments. During those struggling years of his business, he fondly recollects Bank s support at every step. The branch extended its services in every possible manner, which included exchange of small denomination cash, accepting some of the mutilated notes which he might have collected while receiving payments from his clients. As he frequently participated in tenders, he was never kept waiting for the required Pay orders (DD/BC), which helped him submit all bids within time. This not only earned his admiration for the Bank but also indebted him towards our organization. Slowly, Mr. Sharma kept getting continuous small tenders and finally luck favoured him, when he managed to bag a contract of ONGC, one of the most renowned Navaratna companies of the country. The contract involved maintenance of Centrifugal plant in the office of ONGC. He ensured giving benchmark level quality service to his clients irrespective of the very thin margins initially, as he never compromised with the quality of service. It was during these times when he was proving his worth to the corporates while the Bank was working besides him, quietly yet diligently. His banking requirements were increasing with each passing day. On many occasions he would approach the branch for cash when business hours were about to get over. However, he was always accommodated by the Bank. Slowly but surely, work started pouring in from all quarters and from then onwards, there was no looking back for Mr. Sharma. With increasing business, the need for additional banking facilities viz. Bank Guarantees also kept growing. Bank ensured to offer the requisite facilities timely which acted as a catalyst in the growth of his company. Over the years the Bank became a partner in the growth story of Jijaji. Subsequently, OD facility against deposit was also given to the Company to tide over unforeseeable business requirements. Thereafter the company kept growing, achieving one milestone 22 I believe every human has a finite number of heartbeats. I don t intend to waste any of mine -Neil Armstrong

25 after the other and spreading its wings pan India. It now has over 400 employees working under his guidance. The association, which had begun with a small current account, by now has grown manifold, with Bank business to the tune of more than Cores. All through these years Jijaji has been a committed and loyal customer of the branch reciprocating the timely support that the Bank extended to his business. This bond grew so strong over the years that each time he recalls the old days and old staff members, he becomes emotional for our Bank, just as he is sentimental about his old Bajaj Chetak scooter, his dear companion, since 1986, which had seen tough times with him. It now occupies an eminent place in his house, though not used, but still coveted like a prized possession. Jijaji has now gradually made inroads in the government sector also, particularly DRDO, and is classified as a reputed A-class contractor. His company had finally become a name to reckon with in the business of refrigeration and air-conditioning. Although Mr. Sharma still makes monthly visits to the branch, the purpose of his visits is limited to cash withdrawals and deposits, as his staff takes care of other banking transactions. However, on such visits he makes it a point to ask about the wellbeing of each and every staff member. Any new staff member is greeted by him in a manner by which he would greet his own family member. All through these years, many private Banks have approached him to shift his accounts, but none could break his bond with Allahabad Bank. Because, he genuinely believes that it was our Bank, whose association and support has put him on the path of undisputed success. We all address him Jijaji without knowing its genesis. Kanchan Madan SWO A New Agra Branch Zonal Office, Agra Mother O Mother, I am your unborn girl, Let me come out with a shirl. I am an angel with dimpled cheeks and charms, And want to flourish in your arms. Don t kill me inside, I too wanna see the world aside. If you yourself going me to shear, Who will then wipe my tear?? Like a flower, i need your care, I am god s gift, so Pure & Fair. May be i mean to you nothing, But for me you are my everything. Being a lady, how can you kill your own baby? Being a girl, is that only my mistake, That allows you to keep my life at stake? Please don t take life of mine I AM YOURS, LET ME BE YOURS I am a star, allow me to shine Like a bird, I too wanna fly high, Don t cut me, let me feel that sky. My little life, please don t abort, Let me live, don t cut me so short. I have a little gleam of hope, Don t waste me by cutting my life s rope Please help me out of this gloom, Let me Born & Bloom. I am not asking much to you Just grant me my life, so i can live with you. I just wanna call you MAA & be called as daughter of yours, Please save me, I AM YOURS, LET ME BE YOURS... Work hard in silence, let your success be your noise Frank Ocean 23

26 SHOOTING - STRAIGHT FROM MY HEART But I was not one to give up so easily. The teacher in me, gradually, motivated me to move forward in life. I still had a ray of hope with my intact right hand, meaning thereby that everything now onwards would only be right. I, Pooja Agarwal, was born in a middle class family. Since beginning, I was energetic and active. I graduated in Information Technology, and after completing my masters, worked as a Lecturer in a reputed college in Meerut. Life was smooth sailing till December However, at the young age of 27, I met with an unfortunate train accident. I lost both my legs and left arm in this incident and overnight into a trilateral amputated handicapped person. After the accident I was brought to the Indian Spinal Injuries Centre (I.S.I.C.) in Vasant Kunj, Delhi. The treatment continued for one and half months. It was a huge physical loss to me and the thought I would have to survive only on one limb was draining me emotionally. Life turned upside down and I battled with endless depression. Depression, not only due to being incapacitated but also due to demise of my father and annulment of marriage. I resumed my studies while still in Hospital, with the intention to get a desk job. Simultaneously, my struggle began to fit into my prosthetic limbs. Both my efforts paid off as I finally managed to walk on artificial limbs and also got the opportunity to serve in Allahabad bank as Probationary Officer in June I got into active service but my father s teaching always prompted me to do something more. He had always taught me to be a student throughout life and this was my Mantra in life s journey. My pursuit to do something more moved me towards sporting activities as I reaslised that Sports is an integral part of rehabilitation for a person with physical disability. Soon I got to know that I can play para /wheelchair sports and I decided to move on in life. Choosing the right sport was a tough task for me as I had limitation in both legs and in one arm. Finally I chose Shooting as a para sport and started practising from Feb 2016 under the guidance of Mr Sabir Khan, Mr Zakir Khan (International Gold Medalist) and Mr Jahid Ali. I started this journey without my own Pistol and specific wheelchair. I had to borrow all the items for my shooting practice. In this new journey of life, I received utmost support from my Bank. In a short span, I started winning medals in National and International level shooting championships in Paralympic category. I am enlisting some of my achievements as below, which has given my life a meaningful direction. I have a disciplined lifestyle. My day starts at six in the morning with yoga and exercise. Thereafter I perform the duties required as an officer of the Bank followed by my daily training in the evening and finally coming back home by 9.00 pm. I have to strike the right chord between my banking job and shooting practice. Since 2012 life for me has been like the changing seasons of the year from spring to harsh summers to autumn and chilly winters, I have seen it all. But in this journey, my self-ignited will power and the echoes 24 Someone is sitting in the shade today because someone planted a tree a long time ago - Warren Buffett

27 Name of the Competition Date Venue Performance Al Ain World Shooting Para 19th 28th Feb 2017 Al Ain, (UAE) 1 Silver Sport World Cup, 2017 Bangkok World Shooting Para Sport World Cup, Nov 2017 Bangkok, Thailand Team Gold G V MAVLANKAR shooting Championship competition National shooting championship competition Bahadur Singh Memorial Shooting Competition, Mar-2017 Delhi State Shooting Competition- July 2017 KSS Shooting Championship Competition-July 2017 Syed Wajid Ali Memorial Shooting Championship- Aug to 8 nov-2016 New Delhi 1 gold 1 Silver 12 to 26 dec Pune 1 gold 31 March 2017 Panipat, Haryana 1 Gold July 2017 Delhi 1 Gold July 2017 Delhi 1 Gold Aug 2017 Delhi 1 Gold Top Gun Shooting Competition- Oct 2017 Oct 2017 Delhi 1 Gold of my father s words - Never Give up has constantly inspired me to achieve more and more laurels with a burning desire to win a medal for my country at the Paralympics someday soon. My journey from amputation to reputation will continue, however by sharing my story, I wish to convey I am not what happened to me. I am what I choose to be. By Pooja Aggarwal Officer, Paschim Vihar Branch, New Delhi. Smile in the mirror. Do that every morning and you ll start to see a big difference in your life Yoko Ono 25

28 ªÉÉ jéé...êeòºéò iéòléç B ÉÆ ÉhÉÒEò ºlÉÉxÉ EòÒ ªÉÉjÉÉ ºÉä ½Ò ÉxÉ JÉÖ ÉÒ ºÉä xééséxéä ±ÉMÉiÉÉ ½è B ÉÆ ½ ÉäVÉ EòÒ BEò VÉèºÉÒ ÊnxÉSɪÉÉÇ ºÉä <ié EÖòU +±ÉMÉ VÉMɽ +±ÉMÉ ié ÒEäò ºÉä VÉÒxÉä EòÒ <SUÉ ÉxÉ EòÉä JÉÖÊ ÉªÉÉå ºÉä É näiéò ½è* BäºÉä ½Ò ÉéEò EòÒ ÉäVÉ BEò VÉèºÉÒ VÉÒ ÉxÉ Éè±ÉÒ ºÉä > ÉxÉä iéléé xé<ç VÉMɽ VÉÉxÉä EòÒ <SUÉ Ê±ÉB ½ É ºÉ ÉÒ ºÉÉÊlɪÉÉå xéä Eò½Ó PÉÚ ÉxÉä EòÉ {±ÉÉxÉ ÉxÉÉxÉä {É Ê ÉSÉÉ Ê É É ÉÇ ÊEòªÉÉ* ½ ÉÉ É {ÉÚ É OÉÖ{É PÉÚ ÉxÉä Eäò {±ÉÉxÉ Eäò ÉÉ ä Éå ºÉÖxÉEò JÉÖ É ½Ö+É +Éè ºÉ ÉÒ ºÉä {ÉÚUÉ MɪÉÉ ÊEò Eò½ÉÆ VÉɪÉÉ VÉÉB, <ºÉ{É ºÉ ÉÒ xéä +{ÉxÉÒ +{ÉxÉÒ ÉªÉ nò, ÊEòxiÉÖ ªÉ½ ÊxÉhÉÇªÉ xé½ó ½Éä {ÉÉ ½É léé ÊEò Eò½ÉÆ VÉɪÉÉ VÉÉB, +xié Éå iéªé ½Ö+É ÊEò ½ É ±ÉÉäMÉ ½Ê ué ½ÉäiÉä ʹÉEäò É VÉÉBÆMÉä* ½Ê ué xéé É ºÉä ½Ò ÉxÉ EòÉä +ºÉÒ É ÉÉÆÊiÉ Ê É±ÉiÉÒ ½è* ÉxÉ {ÉÊ ÉjÉiÉÉ EòÉä ɽºÉÚºÉ Eò xéä ±ÉMÉiÉÉ ½è* ½Ê ué BEò {ÉÊ ÉjÉ xémé B ÉÆ Ê½xnÖ+Éå EòÉ É ÉÖJÉ iéòléç ½è* ªÉ½ ɽÖiÉ ÉÉSÉÒxÉ xémé Ò ½è * ªÉ½ ʽxnÖ+Éå Eäò ºÉÉiÉ {ÉÊ ÉjÉ ºlɱÉÉå Éå ºÉä BEò ½è* 3139 ÉÒ] EòÒ >Æ SÉÉ<Ç {É ÊºlÉiÉ +{ÉxÉä ºjÉÉäiÉ MÉÉä ÉÖJÉ (MÉÆMÉÉäjÉÒ Ê½ ÉxÉn) ºÉä 253 ÊEò ÉÒ EòÒ ªÉÉjÉÉ Eò Eäò MÉÆMÉÉ xénò ½Ê ué Éå ÉènÉxÉÒ IÉäjÉ Éå ÉlÉ É É Éä É Eò iéò ½è, <ºÉʱÉB ½Ê ué EòÉä MÉÆMÉÉuÉ Eäò xéé É ºÉä ÉÒ VÉÉxÉÉ VÉÉiÉÉ ½è, ÊVɺÉEòÉ +léç ½è ɽ ºlÉÉxÉ VɽÉÆ {É MÉÆMÉÉVÉÒ ÉènÉxÉÉå Éå É Éä É Eò iéò ½é * ½Ê ué EòÉ +léç ½Ê EòÉ ué ½ÉäiÉÉ ½è* ½ É ºÉ ÉxÉä +{ÉxÉÒ ªÉÉjÉÉ ½äiÉÖ ½Ê ué EòÒ +Éä EÚòSÉ ÊEòªÉÉ* ½Ê ué ªÉÉjÉÉ Eäò ʱÉB ½ É ºÉ ÉÒ néäºié ɽÖiÉ =iºééê½ié léä, <ºÉEäò ʱÉB ½ ÉxÉä ]Åä É±É BVÉåºÉÒ ºÉä ºÉ {ÉEÇò Eò +{ÉxÉä ʱÉB MÉÉcÒ ÉÖEò EòÒ B ÉÆ båé< É EòÉä ºÉÖ É½ 6.00 ÉVÉä ºÉä +{ÉxÉÒ ªÉÉjÉÉ +É É Eò xéä EòÉ ºÉ ÉªÉ ÊnªÉÉ* ºÉ ÉÒ néäºié BEò ºÉÉlÉ Éä ä PÉ {É <Eò^ä ½ÖB* ºÉÖ É½ 6.00 ÉVÉä ½ É ºÉ É iéèªéé ½ÖB B ÉÆ båé< É ÉÒ MÉÉcÒ ±ÉäEò +É MɪÉÉ léé* ½ É ±ÉÉäMÉÉå xéä MÉÆMÉÉ ÉèªÉÉ EòÉ VɪÉEòÉ ±ÉMÉÉEò +ÉMÉ É ºÉä +{ÉxÉÒ ªÉÉjÉÉ ÉÉ É EòÒ* ɺiÉä Éå ]Éä±É {±ÉÉVÉÉ {É ½ ÉxÉä SÉÉªÉ xéé iéé ÊEòªÉÉ +Éè ɽÉÆ ÉÒ ½ ÉxÉä lééäcò òéä]éäoéé òò EòÒ* ½ É xé<ç Ên±±ÉÒ, Éä `, ceòò ½ÉäiÉä ½ÖB ½Ê ué EòÒ +Éä Ég ½ä léä* ½ É ±ÉMÉ ÉMÉ ÉÉ É 6.00 ÉVÉä ½Ê ué {ɽÖÆSÉä* VÉèºÉä ½Ò ½ ÉxÉä Ê É ÉVÉÒ EòÒ ÉcÒ ºÉÒ ÉÚÌiÉ näjéò, ½ É ½Ê ué {ɽÖÆSÉxÉä EòÒ JÉÖ ÉÒ Éå =U±É {Écä * <ºÉEäò ÉÉn ½ É ½Éä]±É {ɽÖÆSÉä B ÉÆ +{ÉxÉÉ ºÉÉ ÉÉxÉ É Éå JÉ ½ ÉxÉä SÉÉªÉ {ÉÒ B ÉÆ ÊnxÉ É Eäò ºÉ ò EòÒ léeòéxé ºÉä lééäcò ɽiÉ {ÉÉ ÉÉÊ{ÉºÉ ºÉ É ½ EòÒ {ÉÉècÒ EòÒ +Éä ÊxÉEò±É {Écä* ɽÉÆ ½ É VÉ É iéeò {ɽÖÆSÉä ÉÉ É EòÒ +É iéò ½Éä SÉÖEòÒ léò* <ºÉºÉä ½ É ºÉ É ÉɪÉÚºÉ ½ÖB, CªÉÉåÊEò MÉÆMÉÉ EòÒ +É iéò ɽÖiÉ ºÉÖxn B ÉÆ É ªÉ ½ÉäiÉÒ ½è* ½ ÉxÉä {±ÉÉxÉ ÉxÉɪÉÉ ÊEò ½ É ºÉÖ É½ VɱnÒ +ÉEò +É iéò näjéåméä* ié É ½ ÉxÉä ɺÉÉn ʱɪÉÉ +Éè MÉÆMÉÉ ÉÉiÉÉ Eäò ÉÊxn MÉB* ɽÉÆ ½ ÉxÉä ÉÊxn Eäò n ÉÇxÉ ÊEòB, {ÉÚVÉÉ EòÒ +Éè PÉÚ Éä B ÉÆ ½ ÉÉ É ºÉ ɺÉä äò É ä] EòÉ É òéä]éäoéé òò EòÒ* MÉÆMÉÉ xénò Eäò VÉ±É Éå ÉÒ MÉB* ɽÉÆ PÉÉ] Eäò {ÉÉºÉ ºÉÖ IÉÉ Eäò ʱÉB ºÉÉÆEò±Éä ½Ê ué B ʹÉEäò É ªÉÉjÉÉ ÊxÉ ÉÉ SÉÉä äê]ªéé ÉVÉ ÉɹÉÉ +ÊvÉEòÉ Ò ÉÆb±ÉÒªÉ EòɪÉÉÇ±ÉªÉ +ÉMÉ É ±ÉMÉÒ ½Ö<Ç léò, iééêeò EòÉä<Ç {ÉÉxÉÒ Éå ɽä xé½ó* =ºÉEäò ÉÉn ½ É ÊxÉEò±É +ÉB, =ºÉ ÊnxÉ n ɽ É ÉÒ léé, iééä ɺiÉä Éå É ÉhÉ n½xé ½Éä ½É léé* ½ ÉxÉä É ÉhÉ n½xé ÉÒ näjéé +Éè ½Éä]±É ±ÉÉè] +ÉB* Ê ò ½ É ºÉ ÉxÉä JÉÉxÉÉ JÉɪÉÉ B ÉÆ núºé ä ÊnxÉ ºÉÖ É½ VɱnÒ =`Eò MÉÆMÉÉ +É iéò näjéxéä EòÉ {±ÉÉxÉ ÉxÉɪÉÉ* ªÉÉjÉÉ Eäò +MɱÉä ÊnxÉ ½ É ºÉ É ºÉÖ É½ 5.00 ÉVÉä =` MÉB, VÉÉä xé½ó =`xéé SÉɽ ½É léé, =ºÉä ÉÒ =`É ÊnªÉÉ, SÉÚÆÊEò +C]Ú É EòÉ ÉʽxÉÉ léé iééä ºÉÖ É½ ɽÖiÉ `hb léò, ÊVɺÉEòÒ ÉVɽ ºÉä VÉÉ<Ç UÉäcxÉä EòÉ ÉxÉ xé½ó léé, ÊEòxiÉÖ MÉÆMÉÉ +É iéò EòÉ ÉÉä½ xé½ó UÉäc {ÉÉ ½ä léä iééä =` MÉB +Éè ½ EòÒ {ÉÉècÒ EòÒ +Éä SÉ±É ÊnB* ±ÉMÉ ÉMÉ 6.00 ÉVÉä MÉÆMÉÉ +É iéò ÉÖ ½Ö<Ç* ½ É ºÉ É +É iéò Éå ÉÉÊ É±É ½ÖB* +É iéò ºÉÖxÉEò ÉxÉ EòÉä +ºÉÒ É ÉÉÆÊiÉ Ê É±ÉÒ +Éè ºÉÖ É½ ºÉÖ É½ MÉÆMÉÉ EòÉ {ÉÊ ÉjÉ VÉ±É UÚEò iééä ±ÉMÉÉ ÊEò ºÉÉIÉÉiÉ ½Ê Eäò SÉ hééå Eäò º{É ÉÇ EòÒ +xéö ÉÚÊiÉ ½Éä MÉ<Ç* ½Ê ué MÉÆMÉÉ +É iéò EòÉ o ªÉ <ºÉEäò ÉÉn ½ ʹÉEäò É EòÒ +Éä ÊxÉEò±É {Écä ½ É ±ÉMÉ ÉMÉ 1 PÉÆ]ä ʹÉEäò É {ɽÖÆSÉ MÉB* ɽÉÆ ½ ÉÉ Ò Ê É ÉË}]MÉ EòÒ {ɽ±Éä ½Ò ÉÖËEòMÉ léò iééä ½ ÉxÉä lééäcò nä xénò Eäò {ÉÉxÉÒ Éå ɺiÉÒ EòÒ * Ê ò ½ É ±ÉÉäMÉ Ê É ÉË}]MÉ Eäò ʱÉB MÉB +Éè Ê É ÉË}]MÉ Eò xéä EòÒ Éä Ò Ên±ÉÒ J ÉÉʽ É léò, VÉÉä ʹÉEäò É Éå {ÉÚ Ò ½Ö<Ç* Ê É ÉË}]MÉ Eäò néè ÉxÉ {ÉÉxÉÒ EòÒ ±É½ Éå ºÉä JÉä±ÉiÉä ½ÖB +ÉMÉä ÉgxÉÉ ºÉSÉ Éå ɽÖiÉ Éä ÉÉÆÊSÉiÉ Eò ½É léé* ÉÒSÉ ÉÒSÉ Éå +ÉxÉä 26 Success does not consist in never making mistakes but in never making the same one a second time - George Bernard Shaw

29 ÉɱÉä äê{éb Éå {ÉÉxÉÒ EòÒ ±É½ å +ÉiÉÓ +Éè ½ Éä ÉÖ Ò ié ½ Ê ÉMÉÉä VÉÉiÉÒ* {ÉÉxÉÒ ºÉä JÉä±ÉiÉä ½ÖB ÉgxÉÉ ºÉSÉ Éå EÆ] F +xéö É É léé* ÉÒSÉ Éå ½ É ±ÉÉäMÉ Eäò, VɽÉÆ {ɽÉcÒ Eäò ÉÒSÉ ºÉä ɽÖiÉ ZÉ xéä ÊxÉEò±É ½ä léä* ɽÉÆ 12 ÉÒ] EòÒ >Æ SÉÉ<Ç ÉɱÉÒ BEò SÉ^ÉxÉ léò, ÊVÉºÉ {É ºÉä ÊC±É ò VÉÆ{É EòÒ VÉÉ ½Ò léò* ÉéxÉä ÉÒ ÊC±É ò VÉÆ{É EòÒ* ɽÖiÉ ÉVÉÉ +ɪÉÉ +Éè ZÉ xééå ºÉä ɽiÉä {ÉÉxÉÒ Éå JÉÚ É +` JÉäʱɪÉÉÆ EòÒ* ɽÉÆ ºÉä ½ É Ê ò ÉË}]MÉ Eäò ʱÉB ÊxÉEò±Éä B ÉÆ JÉÖ ÉÒ- JÉÖ ÉÒ ÉË}]MÉ JÉi É EòÒ* ½Ò =iºééê½ié léò, VÉÉä ÊEò 83 ÉÒ] EòÒ >Æ SÉÉ<Ç ºÉä EòÒ VÉÉxÉÒ léò, iééä ɽÉÆ VÉÉxÉä Eäò ʱÉB ɽÖiÉ ½Ò =iéé ɱÉÒ ½Éä ½Ò léò* Éé nö ɱÉÒ {ÉiɱÉÒ ºÉÒ ±ÉcEòÒ ½ÚÆ, iééä ÉVÉxÉ Eò É ½ÉäxÉä EòÒ ÉVɽ ºÉä {ɽ±Éä ÉÖZÉä ÉÖ±ÉɪÉÉ MɪÉÉ* =xé ±ÉÉäMÉÉå xéä Éä ä {Éè Éå EòÉä ÉÉä]Ò ºÉÒ ººÉÒ ºÉä ÉÉÆvÉ ÊnªÉÉ +Éè EÚònxÉä Eäò {ÉÉì<x] Eäò {ÉÉºÉ ±Éä VÉÉEò EÚònxÉä Eäò ʱÉB Eò½É* ÉéxÉä ½ÉlÉ èò±ééeò +{ÉxÉä +É{É xéòséä EòÒ ºÉÉ<b ZÉÖEòÉEò òò UÉäc ÊnªÉÉ, Éé xéòséä VÉÉxÉä ±ÉMÉÒ, =ºÉ ºÉ ÉªÉ ÉÖZÉä ɽÖiÉ +SUÉ ±ÉMÉ ½É léé, ½ ÉÉ Éå =cxéä EòÉ +½ºÉÉºÉ ÉÖZÉä +ÉVÉ ÉÒ É½ÖiÉ +SUä ºÉä ªÉÉn ½è* BEòn É òò ½ÉäEò Éé xéòséä EòÒ +Éä VÉÉ ½Ò léò* Ê ò BEò ZÉ]Eäò Eäò ºÉÉlÉ ÉÉÊ{ÉºÉ > {É +É<Ç* Ê ò ÉÉÊ{ÉºÉ xéòséä MÉ<Ç, Éé BEòn É ½ ÉÉ Éå ZÉÚ±É ½Ò léò* EÖòU ±ÉÉäMÉÉå xéä xéòséä BEò Écä ºÉä ÉÉÆºÉ Eäò ºÉ½É ä ÉÖZÉä xéòséä =iéé É +Éè ÉÖZÉ ºÉä Éä É +xéö É É {ÉÚUÉ ÉéxÉä Eò½É + ÉäËVÉMÉ* <ºÉEäò ÉÉn ÉÖZÉä VÉÉxÉä EòÉä Eò½É* Éé xénò {ÉÉ Eò +{ÉxÉä néäºié EòÉ <xiévéé Eò xéä ±ÉMÉÒ B ÉÆ néäºié Eäò +ÉxÉä Eäò ÉÉn ½ É ÉÉÊ{ÉºÉ VÉÆË{ÉMÉ ½É<]弃 Eäò +ÉìÊ òºé SɱÉä MÉB, VɽÉÆ ½ ÉÉ ä ºÉ ÉÒ néäºié ½ ÉÉ É <xiévéé Eò ½ä léä, ½ Éå näjéeò Éä ɽÖiÉ JÉÖ É ½ÖB +Éè ½ ÉÉ Ò iéé Ò ò Eò xéä ±ÉMÉä, CªÉÉåÊEò =xé ±ÉÉäMÉÉå xéä ½ ÉÉ Ò VÉÆ{É +ÉìÊ òºé Éå ±ÉMÉä B±ÉºÉÒbÒ Eäò ÉÉvªÉ É ºÉä ±ÉÉ< É näjéò léò* Ê É ÉË}]MÉ EòÒ ZɱÉEòÒ ÉË}]MÉ Eäò ÉÉn ½ É ÉÖ Ò ié ½ léeò MÉB léä* iééä ½ ÉxÉä ºÉÒvÉä Eèò {É EòÒ +Éä VÉÉxÉä EòÉ ÉxÉ ÉxÉɪÉÉ, VɽÉÆ ½ ÉÉ Ò {ɽ±Éä ºÉä ÉÖËEòMÉ léò* =ké ÉJÉÆb EòÒ {ɽÉÊcªÉÉå Eäò ÉÒSÉ +Éè xénò Eäò ÊEòxÉÉ ä ÉɱÉÉ JÉÚ ÉºÉÚ ié ÉÉ<±bäCºÉ xéé É ºÉä ½ ÉÉ É Eèò {É léé, VɽÉÆ ½ É {ɽÖÆSÉä* ɽÉÆ {ɽÖÆSÉ Eò ½ ÉxÉä +É É É ÊEòªÉÉ* ÉiÉ EòÉä ɽÉÆ ÉÉäxÉ òéªé B ÉÆ ªÉÚÊVÉEò EòÒ ªÉ ɺlÉÉ léò* VɽÉÆ ½ ÉxÉä VÉ ÉEò ɺiÉÒ EòÒ B ÉÆ JÉÉxÉÉ JÉɪÉÉ* ÉiÉ EòÉä Ê ò ½ É xénò ÊEòxÉÉ ä SɱÉä MÉB, VɽÉÆ Eò±É-Eò±É Eò iéò xénò EòÒ véé É+Éå EòÒ +É ÉÉVÉ EòÉxÉÉå EòÉä ɽÖiÉ Ê ÉªÉ ±ÉMÉ ½Ò léò* {ɽÉcÒ Eäò ÉÒSÉ VÉÆMÉ±É EòÒ ÉÉÆÊiÉ ½ Éå ɽÖiÉ ºÉÚEÚòxÉ nä ½Ò léò* ºÉÖ É½ ½ É VɱnÒ =` MÉB B ÉÆ xénò ÊEòxÉÉ ä SɱÉä MÉB* ºÉÖ É½ ºÉÖ É½ xénò Eäò º ÉSU {ÉÉxÉÒ Éå +` JÉäʱɪÉÉÆ Eò xéé +Éè ÉÖr ÉɪÉÖ Éå ÉÉºÉ ±ÉäxÉÉ É½ÖiÉ ½Ò ºÉÖEÚòxÉ nä ½É léé* ½ Éå ɽÉÆ ºÉä ÉìEò C±ÉÉ<ÆË ÉMÉ B ÉÆ VÉÆË{ÉMÉ ½É<]弃 ÉÒ VÉÉxÉÉ léé iééä ½ É VɱnÒ iéèªéé ½ÖB +Éè ÉìEò C±ÉÉ<ÆË ÉMÉ EòÒ +Éè ÉÉ<±bäCºÉ ºÉä BEò OÉÖ{É òéä]éä ËJÉSÉ ÉÉ Eò Ê ÉnÉ ±ÉÒ* ɽÉÆ ºÉä ½ ÉxÉä ºÉÒvÉä VÉÆË{ÉMÉ ½É<]弃 EòÉ ÉºiÉÉ {ÉEòcÉ, VɽÉÆ ½ ÉÉ Ò }±ÉÉ<ÆMÉ òéìcºé B ÉÆ ÉÆVÉÒ VÉÆË{ÉMÉ Bb ÉåSÉ BÊC]Ê É]Ò EòÒ ÉÖËEòMÉ léò* VÉÆË{ÉMÉ ½É<]弃 {É }±ÉÉÆ<ÆMÉ òéìcºé, VÉäx] ˺ ÉMÉ B ÉÆ ÉÆVÉÒ VÉÆË{ÉMÉ VÉèºÉÒ Bb ÉåSÉ BÊC]Ê É]Ò Eò ÉÉ<Ç VÉÉiÉÒ ½è* VÉ É ½ É É½ÉÆ {ɽÖÆSÉä, ié É ½ ÉÉ É xéæ É +ÉxÉä Éå ºÉ ÉªÉ léé* SÉÚÆÊEò }±ÉÉ<ÆMÉ òéìcºé ½ É ºÉ ÉÒ EòÉä ÊEòªÉÉ VÉÉxÉÉ léé ÊEòxiÉÖ ÉÆVÉÒ ÉÖZÉä +Éè Éä ä BEò néäºié EòÉä Eò xéò léò, iééä =xé ±ÉÉäMÉÉå xéä Eò½É ÊEò {ɽ±Éä +É{É ÉÆVÉÒ VÉ {É Eò ±ÉÉä, +Éè ½ Éå =ºÉ VÉMɽ VÉÉxÉä EòÉä Eò½É, VɽÉÆ VÉ {É Eò ÉÉ<Ç VÉÉiÉÒ léò* ½ É ±ÉÉäMÉ É½ÉÆ MÉB, Éé +{ÉxÉÒ VÉ {É Eäò ʱÉB ɽÖiÉ ÉÆVÉÒ VÉ {É Ê ò ½ É ±ÉÉäMÉ }±ÉÉ<ÆMÉ òéìcºé Eäò ʱÉB ÊxÉEò±É MÉB, ÊVÉºÉ Éå ½ Éå ʺºÉªÉÉå Eäò ºÉ½É ä ±É]EòÉ ÊnªÉÉ MɪÉÉ +Éè BEò {ɽÉcÒ ºÉä núºé Ò {ɽÉcÒ iéeò ºÉ ò Eò ÉɪÉÉ MɪÉÉ* ÊVÉºÉ Éå ½ Éå ɽÖiÉ ÉVÉÉ +ɪÉÉ* }±ÉÉ<ÆMÉ òéìcºé <ºÉ ié ½ Eò<Ç Bb ÉåSÉ ºÉ BÊC]Ê ÉÊ]VÉ Eò Eäò Éé ɽÖiÉ JÉÖ É ½Ö<Ç* <ºÉEäò ÉÉn ½ É ºÉ ʹÉEäò É ºÉä Ê ò +ÉxÉä EòÉ ÉÉnÉ Eò ÉÉÊ{ÉºÉ +ÉMÉ É EòÒ +Éä ÊxÉEò±É {Écä* ɽÖiÉ ºÉÉ Ò ÉÒ`Ò ªÉÉnå, xé<ç >VÉÉÇ, xé<ç = ÉÆMÉ ±ÉäEò ½ É +ÉMÉ É {ɽÖÆSÉä* Once you replace negative thoughts with positive ones, you ll start having positive results Willie Nelson 27

30 Life - A Phantasmagoria of Consciousness! The adventure and beauty of life is in it s uncertainty, we never know what to expect the very next moment and it is probably this that keeps us going. If I rewind a year back, life was pretty different from what it is now - I did not have a job, things were very uncertain as to what comes next, and nothing was going right. But come late 2016 and with perseverance and hard work, the turn-around began. I hit a purple patch, one that I will remember all my life - it was a phase that saw me crack every examination I appeared for, and the end result was in May 2017 when I had a problem of plenty, with 7 jobs to choose from. But I had always given priority to job satisfaction and liking, something that I will be happy doing for the next 35 years of my life. And to decide upon such a long duration was by no means a decision that could be taken in haste, and having made up my mind, there I was - Probationary Officer, at Allahabad Bank, a journey that began on July 24, 2017 at Staff College Kolkata. 24th July is special, a day to be remembered for a lifetime and I have vivid memories of the day. It was raining cats and dogs since morning and I had put up at a hotel quite far from Alipore. But come what may, despite all the rain and waterlogged streets, I had reached STC on time. I was a newbie and had butterflies in my stomach, there were 32 others along with me, and little did we know that two months later, all these formal hellos would give way to a bond so strong that was beyond imagination on day one. The first impression of STC for me was decent; things were neat and clean, the ambience was friendly and there was an air of calm discipline all around. Such was the warmth and affection we received in the coming days that what started off as STC transformed from C to H, from college to home! In the next 8 weeks, this place gave me a lot. I learnt not only about basic banking, but also about different facets of life, that shall stand me in good stead in the difficult times I encounter in life. We were truly blessed to have gained from the experience of such loving and caring faculties, who treated us like their own children and while pardoning every little mistake of ours, never did they forget to correct us and lead us in the right direction! STC days, were truly golden, one that we can never forget and will certainly be one of the best phases of our careers. Shameek Mondal Probationary Officer Banjetia Branch, Z. O. Berhampore But all good things in life come to an end, and we were no exception. September 22, saw the end of this beautiful phase and the beginning of a new phase in our journey as Allahabadians. Along with 9 other colleagues of mine, we were instructed to report at ZO Berhampore on September 25. This group of 9 again split into 9 different branches and I was posted at Banjetia Branch at a little distance from Berhampore town. With gingerly steps I reported to the branch on September 26, and here I must admit, that I have been lucky enough to have got good guidance at the branch, in the form of my senior officer, my branch head as well as our very senior head cashier. Had they not eased me into things slowly but steadily, I wonder how comfortable I would have been in such a short period of time. Life at the branch has been interesting, if not amusing. The variety of customers, leading to umpteen new experiences, mostly good, and a few not so good ones, the unending list of requests for various services and the queue in front of my desk, and the thanks, you receive when you satisfy their needs or demands, is probably what a banker ever aspires for. Yes, often the odd customer does reach out with a not-so-pleasant behavior or request, but then the customer is always right - and that we are here to serve them and we are here because of them. The very lines of Gandhi Ji, right at the entrance of Staff College Kolkata, is something not to be forgotten. Customers apart, this has been an incredible learning curve for me, armed with the basics of training from STC, life was not entirely like a fish out of water, there was at least some familiarity. I have also been lucky to get some really 28 Many of life s failures are people who did not realize how close they were to success when they gave up -- Thomas A. Edison

31 helpful colleagues who go all out to help me learn, with the assurance that it is okay to make a mistake, just go ahead carefully and learn - even if you make a mistake, we are here to correct you and you can only learn from your mistakes. Luckier I am, when it comes to my branch head - an ever energetic and inspiring person, who will always back you no matter what, providing the utmost level of co-operation in all matters, while also lending a personal touch in the interactions, that only encourages you to do that extra bit for the organization - and even though I won t rate Sir as a 9/9 manager, yet he is astonishingly close to it. I see this as a very early opportunity to learn the nitty gritty as much as I can from him, and trust me, there is a lot to learn, for our journey has only begun and there are miles to go! Well, they say that you only become what you think you will - so keeping the aim and morale high, with the heart in the right place and looking forward to working with dedication and honesty. As I end, I remember the lines, God gives us opportunities and challenges, what we do with them, defines who we are. This is an opportunity for us to etch our names in the books of the organization in the times to come, for employees may change over period of time, but the organization remains, and nothing is a greater gift than the moment, if your name is remembered with a smile, even when you are gone! Pooja Mathur D/o Sanjay Mathur To that Somewhere... Dy. General Manager FGMO (New Delhi) Take my hand, and together we shall go, If you re feeling lonesome, if you re feeling low. When was it last that you let your heart decide? Let go of everything else, and come with me on this dreamy magical ride. Why do you resist? What is it that you fear? You just have to shed the pretence and come with me my dear. I ll take you to a world which you never knew was there, So take my hand and walk with me, we ll walk to that somewhere. Away from the fake reality, to a place that s real and true, Away from the sane insanity, to where you ll just be you. You can sing and dance in the starry spotlight, or you can just walk along in the silver moonlight. You can be a little bird and sing your heart s song, You can soar against the wind, or maybe just fly along. You can sit under a shady tree or you can chase a butterfly, You can drench and dance in the pouring rain, or just watch the rain and cry. You can lay on your back on the soft green grass and fill yourself with its sweet scent, till you don t unlock your own latched up self, how will you ever know of this untold merriment? You can be who you want to be without being asked to, Oh dear, believe me, you ll love to be just you! Over the years, over time, your own reflection you won t know, A familiar stranger standing in your shoes is all that your mirror I ll show. So take my hand, oh love of mine, and together we shall go, to that dreamy place somewhere, of which only you and I would know. Only I can change my life. No one can do it for me Carol Burnett 29

32 Ê É{ÉhÉxÉ iéeòxéòeò BEò ºÉÆVÉÒ ÉxÉÒ (Ê É{ÉhÉxÉ iéeòxéòeò ÉéËEòMÉ {ÉÉÆiÉ hé Eäò ʱÉB ºÉ ÉÉvÉÉxÉ) ÊEò ºÉÒ ÉÒ ºÉ ÉÉVÉ ªÉÉ É¹]Å Eäò +ÉÌlÉEò VÉMÉiÉ EòÒ véú Ò =ºÉ nä É EòÒ ÉéËEòMÉ ªÉ ɺlÉÉ ½ÉäiÉÒ ½è* ºÉÉ ÉÉÊVÉEò {ÉÊ ÉiÉÇxÉÉå Eäò ºÉÉlÉ-ºÉÉlÉ +É É ªÉEòiÉÉBÄ, +ÉEòÉÆIÉÉBÄ +Éè +Ê É±ÉɹÉÉBÄ ÉÒ {ÉÊ ÉÌiÉiÉ ½ÉäiÉÒ ½é* <xé ºÉ ÉEäò {ÉÊ héé ɺ É {É ÉéÊEòMÉ EòÉä ÉÒ iénxéöºéé {ÉÊ ÉÌiÉiÉ Eò xéé {ÉciÉÉ ½è* <ºÉ {ÉÊ ÉiÉÇxÉ ºÉä VÉxɺÉÉ ÉÉxªÉ Eäò VÉÒ ÉxÉ Éå ÉÒ ÉMÉÊiÉ EòÒ xé<ç ÊEò héå +ÉxÉÒ ÉÖ ½Ö<Ç* ½ ÉÉ ä ÉéEòÉå Eäò ºÉÉ ÉxÉä BEò ié ò ɽ Ò iéléé ɽÉxÉMÉ Ò VÉxÉiÉÉ EòÒ +É É ªÉEòiÉÉBÆ ½é iééä núºé Ò ié ò OÉÉ ÉÒhÉ VÉxÉiÉÉ EòÒ VÉ iééå EòÉä {ÉÚ É Eò xéä EòÉ néêªéi É ÉÒ ½è* <xé néêªéi ÉÉå Eäò ÉqäxÉVÉ, ɹ]ÅÒªÉEÞòiÉ ÉéEòÉå xéä +{ÉxÉä Écä +ÉvÉÉ +Éè Ê ÉºiÉÞiÉ OÉɽEò +{ÉäIÉÉ+Éå EòÉä vªééxé Éå JÉiÉä ½ÖB º ɪÉÆ Éå ªÉÉ{ÉEò {ÉÊ ÉiÉÇxÉ ±ÉÉxÉÉ ÉÉ Æ É ÊEòªÉÉ* ò±éº É {É ºÉÚSÉxÉÉ +Éè ÉÉètÉäÊMÉEòÒ {É ÊxÉ ÉÇ iéé ±ÉMÉÉiÉÉ ÉgiÉÒ MÉ<Ç +Éè EòÉä ÉéËEòMÉ ºÉä ÉÉBÆ ÉÉ Æ É ½Ö<Ç* ÉÉn Éɽ + É OÉɽEò léä, ÉéEò xé½ó* + É ÉéEò, OÉɽEòÉå Eäò {ÉÉºÉ VÉÉxÉä ±ÉMÉä +Éè =xéeäò PÉ iéeò +{ÉxÉÒ ºÉä ÉÉBÆ {ɽÖÄSÉÉxÉä ±ÉMÉä* ÉÉètÉäÊMÉEòÒ xéä ÉéËEòMÉ Eäò ±ÉMÉ ÉMÉ ºÉ ÉÒ EòɪÉÇEò±ÉÉ{ÉÉå EòÉä +{ÉxÉä +Æn ºÉ Éä] ʱɪÉÉ, ÊVɺɺÉä EòɪÉÇÊxɹ{ÉÉnxÉ EòÒ MÉÊiÉ Éå =±±ÉäJÉxÉÒªÉ ÉÞÊr ½Ö<Ç* + É {ɱÉEò ZÉ{ÉEòiÉä ½Ò ªÉÚ.{ÉÒ.+É<Ç. 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33 Cash Economy to a less Cash Economy On 8 th November 2016, the government demonetized currency notes of denominations: Rs. 500 and Rs Together, currency notes of these denomination, accounted for more than 85%of the total value of bank notes in circulation. Demonetization caused a cash crunch and pushed the economy towards electronic payment and transfers. Though, the main pitch of demonetization was towards curbing financing of terrorism, eliminating black money and controlling counterfeiting of currency notes, a major shift towards a cashless economy was imperative. Although, the narrative of demonetization has changed, the government was sowing the seeds of a cashless economy. First, in 2014, the government launched PMJDY (Pradhan Mantri Jan Dhan Yojana). In February, 2016 GOI approved the guidelines for promoting payments through cards and digital means. A cashless economy runs on credit or debit cards, electronic fund transfer, or online payments instead of cash. In a cashless economy, all the transactions are made via electronic modes like debit or credit cards, mobile wallet linked to one s bank account. The idea of a cashless economy is actually a revolution from the fiat money to digital money, adopted with an aim to curb the flow of black money and corruption by increasing transparency and accountability for the flow of cash. Thus, the pivotal propose of going cashless is to reduce black money and corruption. Cashless society offers many advantages to the government and the public at large, which may be enumerated as under: Convenient mode of payment and settlement. Online payment is relatively risk free with proper cyber security. Printing of new currency notes and replacement of soiled and mutilated currency notes involves huge cost. This cost can be reduced, if the economy moves towards a cashless one. Cashless economy will help in curtailing many anti- social and illegal activities like-drug trafficking, financing of terrorism and money laundering. Facilitates easy monitoring and transparency. Thus, tax evasion will be difficult. Soon after Demonetization, government took variety Amar Kumar Das Probationary Officer Jawaharnagar Branch Z.O. Guwahati of steps to motivate and encourage people with wide publicity of various digital modes: Lucky Grahak Yojana for customers, which is a reward program for transacting online. Lucky Grahak Vyapar Scheme for merchants for promoting digital transaction. Vittiya Saksharta Abhiyan to encourage people to adapt to a digital economy and cashless modes of transaction. Introduction of BHIM (Bharat Interface for Money). The Sweden Experience Sweden is one of the top five cashless economies in the world. In 2015, the share of cash in circulation in the economy as a percentage to the gross domestic product (GDP) of India was 12.3% compared to 1.7% in Sweden. Further, in 2016, more than 68% of the transactions in India were settled in cash, whereas, it is only 2% in case of Sweden. Challenges Ahead Demonetisation has encouraged the entire economy to use less cash, but has left various challenges for the people and also for the government. There is a unanimous agreement on the need to go digital. But, can this be achieved without proper infrastructure? In rural areas, ATM penetration is very limited. E-wallet and mobile payment system require a smart phone and an internet connection. But, less than a quarter of population owns a smart phone, a fast and reliable one is expensive and difficult to find. Additionally, cyber security remains a key concern. How can one be sure that swiping a card at small shops and vendor kiosks is risk free and confidential? In October 2016, more than 30 lakh debit cards were feared to have been exposed and customers were asked to change their Continuous effort not strength or intelligence is the key to unlocking our potential -Winston Churchill 31

34 PIN. Starting from educating people in rural areas, improving the infrastructure and logistics, a sound & robust cyber security system is pivotal for going digital. Conclusion Achieving a 100% cashless society will be a distant dream, still one can always start from a less cash society and then move towards mostly cashless. The move towards mostly cashless society is extremely incremental. Though, cash will be part of transaction especially in remote and rural areas, but even those transactions can be automated. Digitising financial transaction can prove to be an effective means of curbing the large parallel economy in India. It would make book keeping easier and increase the tax base, and substantially reduce the need to carry physical cash and the risk of physical theft. Fake currency and their use will fade away, and money laundering will go down. While going digital, facilitates the tracing and tracking of financial transactions, it will also need robust IT infrastructure, which India still lacks at large. However, move towards less cash economy depends on how effectively we deal with issues like cyber security, online frauds, financial inclusion, and awareness campaigns with proper redressal system. Story of Wilma Rudolph Wilma Rudolph was a sickly child who had to wear a brace on her left leg but went on to become three gold medals in track & field events in a single Olympics by overcoming her disabilities. She was born prematurely on June 23, 1940 in St. Bethlehem, Tennessee, as 20th of 22 children of her father. Stricken with double pneumonia, scarlet fever and polio as a child, she had problems with her left leg and had to wear a brace. The doctors told her mother that the child would never walk again. Her mother told her that she would and she believed her mother. It was with great determination and the help of physical therapy that she was able to overcome her disabilities. Growing up she played in the Basketball team in her school days. But as a naturally gifted runner she was soon recruited to train with University track coach Ed Temple. Nicknamed Skeeter for her famous speed, Wilma Rudolph qualified for 1956 Summer Olympic Games in Melbourne, Australia. The youngest member of the U.S. track and field team at age 16 she won a bronze in 400-meter relay. She then trained hard for the next Olympics. In 1960 Olympic Games she won 100-meter & 200-meter dash and 400-meter relay and set World Record in 100 and 200 meters in semifinals and heats respectively. Thus she became the first American woman to win three gold medals in track and field at a single Olympics. The first-class sprinter instantly became one of the most popular athletes of the Rome Games as well as an International superstar, lauded around the world for her groundbreaking achievements. However this was not possible without her strong determination and will power and sheer grit to overcome her disabilities to achieve something which seemed next to impossible for her. Later she went on to teach, coach and run a community centre. She was included into the U.S. Olympic Hall of Fame. In her own words Winning is great, sure, but if you are really going to do something in life, the secret is learning how to lose. Nobody goes undefeated all the time. If you can pick up after a crushing defeat, and go on to win again, you are going to be a champion someday. 32 Never underestimate the power of dreams and the influence of the human spirit. We are all the same in this nation: The potential for greatness lives within each of us Wilma Rudolph

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36 =ºÉEäò {ÉÉºÉ +ÉEò {ÉÚUÉ ÊEò <ºÉ JÉiÉ xééeò ɺiÉä {É CªÉÉå SÉ±É ½Ò ½Éä? iéö É ÉÖÊ Eò±É Éå {Éc VÉÉ+ÉäMÉÒ* ié É PÉ É É<Ç xéx½ò SÉÓ]Ò xéä Eò½É ÊEò =ºÉä ºÉÖ É½ iéeò ÉÉä VÉÉnÖ<Ç ]½xÉÒ ±ÉÉxÉÒ ½Ò ½è* nè ÉÒªÉ ºÉÖxɽ Ò ÊSÉÊcªÉÉ xéä =ºÉEòÒ Ê½ ÉiÉ É ogiéé näjéeò =ºÉä ɽÉÆ iéeò {ɽÖÆSÉxÉä EòÉ ºÉÖMÉ É ÉºiÉÉ ÉiÉɪÉÉ* Ê É±ÉÒ ÉºiÉä EòÒ ºÉ ɺiÉ EòÊ`xÉÉ<ªÉÉå EòÉä {ÉÉ Eò =ºÉ {ɽÉcÒ iéeò {ɽÖÄSÉ MɪÉÒ ±ÉäÊEòxÉ =ºÉ MÉMÉxÉSÉÖ ÉÒ, Ê É ÉɱÉEòÉªÉ {ɽÉcÒ EòÉä näjéeò ÊxÉ É É ½ÉäxÉä ±ÉMÉÒ ÊEò Eò½ÉÄ ªÉä b É ÉxÉÒ {ɽÉcÒ +Éè Eò½ÉÄ Éé BEò +ºÉ½ÉªÉ SÉÓ]Ò! <ºÉ nö ½ ±ÉIªÉ EòÉä Éé EèòºÉä {ÉÚ É Eò {ÉÉ>Ä MÉÒ +Éè +{ÉxÉä ºÉ ÉÒ ÉÆvÉÖ+Éå EòÉä =ºÉ ÉÒ ÉEòÉªÉ EòÒcä ºÉä EèòºÉä ÉSÉÉ {ÉÉ>Ä MÉÒ? =ºÉxÉä {ɽÉcÒ {É SÉgxÉÉ ÉÖ ÊEòªÉÉ +Éè EòÉ òò ɪÉɺÉÉå Eäò ÉÉn +ÆiÉ Éå =ºÉ {ɽÉcÒ EòÒ SÉÉä]Ò {É {ɽÖÆSÉ MɪÉÒ* =ºÉxÉä näjéé ÊEò {ÉÚ Ò {ɽÉcÒ BEò VÉÉnÖ<Ç xéò±éä ÉEòÉ É ºÉä VÉMÉ ÉMÉÉ ½Ò léò ±ÉäÊEòxÉ SÉÉä]Ò {É PÉxÉPÉÉä +ÄvÉä É léé* Ê É±ÉÒ ºÉ ÉZÉ MɪÉÒ ÊEò ªÉ½Ò =ºÉ MÉÖ òé EòÉ ué ½è*=ºÉxÉä VÉèºÉä ½Ò MÉÖ òé Éå É Éä É ÊEòªÉÉ,=ºÉä ºÉÆ{ÉÚhÉÇ {ɽÉcÒ Ê½±ÉiÉÒ ½Ö<Ç ÉiÉÒiÉ ½Ö<Ç* =ºÉxÉä ºÉÉ ÉxÉä näjéé iééä {ÉɪÉÉ ÊEò MÉÖ òé Éå ±ÉÉ±É Éä ÉxÉÒ ºÉä ÊPÉ É ½Ö+É ÉIÉºÉ =ºÉEòÒ +Éä +É ½É léé* Ê É±ÉÒ =ºÉEòÉä näjéeò Ê É±EÖò±É xé½ó PÉ É É<Ç +Éè =ºÉä +{ÉxÉÒ ÉÉÄ EòÒ BEò ÉÉiÉ ªÉÉn +ɪÉÒ ÊEò ÉÖºÉÒ ÉiÉ Éå ʽ ÉiÉ ºÉä EòɪÉÇ ±ÉäxÉä {É +ºÉÆ É É EòɪÉÇ ÉÒ ºÉÆ É É ½Éä VÉÉiÉä ½é* =ºÉxÉä ZÉ] {É] +{ÉxÉä léè±éä Éå UÖ{ÉɪÉÉ ½Ö+É VÉÉnÖ<Ç xéò±éé Úò±É ÊxÉEòɱÉÉ VÉÉä ÊEò =ºÉxÉä ɽÖiÉ EòÊ`xÉÉ<ªÉÉå ºÉä ÉÉ{iÉ ÊEòªÉÉ léé* =ºÉxÉä +ÉÄJÉå ÉÆn Eò <Ç É EòÉä º É hé Eò iéä ½ÖB =ºÉ xéò±éä Úò±É EòÉä ÉIÉºÉ {É åòeò ÊnªÉÉ* ɽÉÆ ºÉ äòn ÆMÉ EòÉ véö+éæ =`É +Éè VÉ É véö+éæ UÆ]É iééä ɽÉÆ ÉIÉºÉ EòÉ xéé ÉÉäÊxÉ ÉÉxÉ xé½ó léé* BEò º ÉhÉÇ ÉÆÊbiÉ SÉÉèEòÒ {É VÉÉnÖ<Ç ]½xÉÒ JÉÒ léò,êvéºéeòò ºÉÖMÉÆvÉ SÉÉ Éå +Éä èò±éò ½Ö<Ç léò* SÉÓ]Ò xéä ÉÉä SÉ ÉiEòÉ Ò ]½xÉÒ =`ÉxÉÒ SÉɽÒ, ±ÉäÊEòxÉ É½ ]½xÉÒ ]ºÉ ºÉä ÉºÉ xé½ó ½Ö<Ç* ié É =ºÉxÉä ºÉSSÉä ÉxÉ ºÉä <Ç É EòÉ º É hé Eò iéä ½ÖB néäxééå ½ÉlÉÉå ºÉä =ºÉ ]½xÉÒ EòÉä =`É Ê±ÉªÉÉ! ]½xÉÒ EòÉä néäxééå ½ÉlÉÉå ºÉä =`ɪÉä ½ÖB ɽ MÉÖ òé ºÉä Éɽ {ɽÉcÒ EòÒ SÉÉä]Ò {É +ɪÉÒ ½Ò léò ÊEò {ÉÚ ÉÇ Ên ÉÉ Éå ±ÉÉ汃 ÉÉ ÊnJÉÉ<Ç nò* ɽ SÉ ÉiEòÉ Ò ]½xÉÒ EòÉä ºÉÉ ÉvÉÉxÉÒ ºÉä ºÉÆ ÉɱÉä ½ÖB ÉÉÊ{ÉºÉ =ºÉ VÉMɽ néèc {ÉcÒ,VɽÉÄ =ºÉEäò ÉÉiÉÉ-Ê{ÉiÉÉ B ÉÆ +xªé SÉÓÊ]ªÉÉÆ Eèòn léó* ɽÉÆ {ɽÖÆSÉEò =ºÉxÉä näjéé ÊEò ºÉÚªÉÇ EòÒ {ɽ±ÉÒ ÊEò hé ÉºÉ ÊxÉEò±ÉxÉä ½Ò ÉɱÉÒ ½è*=ºÉxÉä ZÉ]{É] ɽ ]½xÉÒ =ºÉ ÉÒ ÉEòÉªÉ EòÒcä EòÉä ºÉÉé{É nò* =ºÉxÉä näjéé ÊEò + É É½ÉÆ {É xéé iééä EòÉä<Ç ÉÒ ÉEòÉªÉ EòÒcÉ léé +Éè xéé ɽ Ê É ÉɱÉEòÉªÉ Ë{ÉVÉ É* =ºÉEäò ÉÉiÉÉ- Ê{ÉiÉÉ É +xªé SÉÓÊ]ªÉÉÆ º ÉiÉÆjÉ léä* ºÉ ÉÒ xéä =ºÉEòÉä MÉÉän Éå =`É Ê±ÉªÉÉ léé* +SÉÉxÉEò Ê É±ÉÒ EòÒ +ÉÄJÉ JÉÖ±É MɪÉÒ iééä =ºÉxÉä näjéé ÊEò ºÉÚªÉÇ EòÒ {ɽ±ÉÒ ÊEò hé xéä =ºÉä +Éè =ºÉEäò {ÉÚ ä PÉ EòÉä ÉEòÉ É ºÉä +ɱÉÉäÊEòiÉ ÊEòªÉÉ ½Ö+É léé +Éè ÉÉiÉÉ-Ê{ÉiÉÉ =ºÉä ZÉEòZÉÉä Eò Eò½ ½ä léä ÊEò Éä EòÉ É {É VÉÉ ½ä ½é +Éè ÉÉ É EòÉä ½Ò ÉÉÊ{ÉºÉ ±ÉÉè]åMÉä* =ºÉ xéªéò ºÉÖ É½ Eäò ºÉÉlÉ BEò xéªéò Ê É±ÉÒ EòÉ + ÉiÉ hé ½Ö+É léé*=ºéxéä +{ÉxÉÒ ÉÉÄ EòÉ ½ÉlÉ léé É Ê±ÉªÉÉ +Éè Eò½É ÊEò ɽ ÉÒ =xéeäò ºÉÉlÉ SɱÉäMÉÒ +Éè ÊnxÉ É EòcÒ Éä½xÉiÉ Eò ÉÉ É EòÉä =xéeäò ºÉÉlÉ ½Ò PÉ ÉÉÊ{ÉºÉ ±ÉÉè]äMÉÒ* +ÉVÉ EòÉ ÊnxÉ Ê É±ÉÒ SÉÓ]Ò Eäò ʱÉB BEò xéªéé ºÉ Éä É ±ÉɪÉÉ léé! Internet of Things: Evolving Technologies... The Internet of Things is the network of physical devices, vehicles, home appliances and other items embedded with electronics, software, sensors,actuators and connectivity which enables these objects to connect and exchange data. Each thing is uniquely identifiable through its embedded computing system but is able to inter operate within the existing internet infrastructure. Artificial Intelligence: Artificial Intelligence is intelligence demonstrated by machines, in contrast to the natural intelligence displayed by humans and other animals. Digital Marketing: Digital marketing is the marketing of products of services using digital technologies, mainly on the internet, but also including mobile phones, display advertising and any other digital medium. 34 Optimism is the faith that leads to achievement. Nothing can be done without hope and confidence Helen Keller

37 Karabi Kachari Manager, P&D Dept. Head Office Mr. Subrata Bysack- An Allahabadian we are proud of We all have our hobbies, things that we like to do. However, with the course of time, we are unable to pursue them and eventually, it lies dormant somewhere deep within us. Even then, there are a few of us who have pursued our hobby and developed a passion for it. It is said that Your talent is God s gift to you. What you do with it is your gift back to God. In our Allahabad Bank family itself, we have one such highly talented individual. He is Mr. Subrata Bysack; a well-known figure in the photography circuit. Mr. Bysack is an avid and a very talented photographer. His work has been recognized at both national as well as international level. Mr. Subrata Bysack joined Allahabad Bank on 18th September From childhood, he had a passion for photography which he fulfilled with his Click III camera. Having saved enough salary after joining the Bank, he purchased his first SLR camera in The very next year, he enrolled for a photographic course at Chhayapath, a top photography club in Calcutta and was awarded a diploma in Owing to the premature demise of his father and the family responsibilities that came along with it, Mr. Subrata couldn t pursue his passion for quite sometime. However, he continued to be a faculty member of the courses conducted by Chhayapath. Mr. Subrata, during the period worked as a videographer and cinematographer for several documentaries, short films and telefilms. From September 2012 onwards, he started pursuing photography as an art from pictorial perspective and began participating in several photographic competitions around the world. Since then, there has been no looking back. His active participation led him to winning several accolades and awards from 45 countries. Mr. Subrata received an award as the Best Entrant in Singapore and Best Entrant trophies from several competitions held in India. In the Who s Who of Photography published by Photographic Society of America, Mr. Subrata s name has been in the toppers list since Further, his photograph appeared on the cover page of January 2015 issue of the Journal of the Photographic society of America, USA. Mr. Subrata has been a recipient of several awards from renowned Photographic Organisations around the world. Some of them include: FFIP (Fellow of FIP) in 2013 from Federation of Indian Photography of India AFIAP (Artiste FIAP) in 2014 EFIAP (Excellence FIAP) in 2015 EFIAP/B (Excellence FIAP Bronze) in 2016 from Federation Internationale Del Art Photographique of Belgium MPSA (Master PSA) in 2016 The whole secret of a successful life is to find out what is one s destiny to do, and then do it Henry Ford 35

38 GMPSA (Grandmaster PSA) in 2017 from Photographic Society of America GPU Crown 4 in 2016 from Global Photographic Union of Greece BEPSS (Bronze Exhibitor of PSS) in 2016 from Photographic Society of Singapore. Incidentally, he is the first and only Indian to achieve the Honour of Grandmaster PSA (GMPSA) from USA and GPU Crown 4 from Greece and also to cross 8000 international acceptances. Mr. Subrata has also received an award from Royal Photographic Society, Scotland in In 2016, he visited San Antonio, Texas USA as a Speaker at the 78th Annual Conference of Photographic Society of America (PSA) and was the only Asian speaker in their worldwide event. In 2017, he visited Heraklion, Greece for the event organized to celebrate 10 years of Global Photographic Union (GPU) and again in 2017, visited Naiman at Inner Mongolia, China as one of the ten photographers invited from ten different Countries as a Guest of Honour by the autonomous body of Inner Mongolia and GPU, China. In 2018, he visited Gungzhou, China as a Guest of Honour and was awarded Achievement Award from International Union of Photographers (IUP), China. At all the above events, Mr. Subrata was the only Indian representative. A matter of pride indeed for all of us. In India, since 2016, Mr. Subrata was invited as a jury member to judge more than 50 International and National Photographic competitions. He was also invited as Chief Guest to inaugurate quite a few Photographic Exhibitions. Further, he served as a Salon Chairman of Chhayapath, Calcutta from 2014 to Presently, Mr. Subrata is an FIP representative of his Club (Chhayapath) and also in the Patronage Recognition Committee of PSA. Mr. Subrat continues to inspire amateurs in the arena of photography and beyond. He has been extending support as a mentor to many junior and senior photographers of all ages with the sole intention to keep alive the photographic passion within them which indirectly helps to relieve the day to day tension one has to undergo in this world of uncertainties. Presently, Mr. Subrata is posted in Kolkata Main Branch as SWO-A. We wish Mr. Subrata more success in pursuing his passion. 36 Many of life s failures are people who did not realize how close they were to success when they gave up - Thomas A. Edison

39 An Interview with Shri H. C. Sati (Retd. General Manager) Allahabad Bank 1) What prompted you to join Allahabad Bank after getting a first class from G.B. Pant University? After graduating in Rural Banking and Agricultural Economics from G. B. Pant University I pursued M.Sc. in Agriculture. Meantime, while continuing post graduation, I got a job with Nainital Bank in Pithoragarh. In those days, Banking jobs were very lucrative as the pay package was better than govt sector and my guide pursued me to join Bank. Keeping in view the true service to society especially to the downtrodden, Banking is the best place to serve. But my association with Nainital Bank was for a very short period of 8 months and my appointment with Allahabad Bank was 16th in the series of jobs offered to me after passing out from Pant Nagar. My first posting with Allahabad Bank was as Agriculture Field Officer in Meerut. 2) What were your interests at the time of joining the Bank vis-a-vis now? Throughout my professional life, my interests remained focussed to regular studies (2 2 ½ hours per day) and keeping abreast with technological changes in Banking industry. However, with the ever rising responsibilities, the time for studies has reduced considerably and now confined to half an hour including reading news papers in the morning. Besides this, I am associated with the Art Of Living since I learned Pranayam and Sudarshan Kriya and still perform the same on every day basis. My inclination to Yoga and Pranayam started since my joining the Divine Life Society way back in I also happened to be best swimmer during my college days. 3) A memory which moved you, please elaborate. After two years of my joining in Allahabad Bank, I got an opportunity to closely observe the appraisal of a credit proposal in Mussorie where Dr Bikash Ghosh and Shri Prabir Moulik (Retd. General Managers of Allahabad Bank) visited from Head Office to appraise this proposal. The working style and level of dedication of my seniors moved me like anything and it was a real learning experience for me. It was then that I learnt the nitty-gritty of an appraisal which continued all through my career. Taking new challenges were an integral part of my professional career. When promoted as Chief Manager, I was given the assignment in Govt Business Department which was totally different than the credit field where I had an expertise. There was huge outstanding of un-reconciled RBI Bonds and suspense pension accounts and I realised huge amount which was lying outstanding for last so many years. Bank had faith on me which ultimately I was able to do in 6 months. My efforts brought me promotion from scale-iv to scale-v in the first instance. 4) Your spiritual inclination. I was born and brought up in a religious family. My father was a freedom fighter and my grandfather was a religious person, so spirituality persisted in the family all through. Luckily my spouse also comes from a similar background and strengthened my belief system by inducing spirituality in our children also. Both my sons also have a spiritual inclination and practise Art of Living. This gave me inner strength and confidence to perform my duties diligently and patiently. Life isn t about finding yourself. Life is about creating yourself George Bernard Shaw 37

40 5) Role of family in your life My family has helped me to maintain my ideologies in life. Since childhood, there was strict discipline at home. I have never reached late to office throughout my career. It was possible because of support from the family. 6) Apart from the scenic beauty of Almora, what is the one thing you miss about it? We belong to Almora in Kumaon region where strong support system exists in the society and people in the hills are known for their simplicity in life. I miss these people. 7) What has changed about our Bank in the past 30 years? Banking industry has changed a lot in past thirty years. In those days, when I began my career with Allahabad Bank, the closing of books used to get extended for months altogether but today everything is taken care by CBS system. Allahabad Bank has many firsts to its credits beginning from Kisan Credit Cards, introduction of Retail Banking Boutiques to promote housing loans, bringing the IPO, FPO and ESPS. There were many hardship branches in the toughest lead districts. But the efforts put at that time are now paying. These branches are very good source of our low cost deposits. 8) As a Zonal Head how did you counsel your employees to give their best? Cordial employee relations are very important as on date. Today, I can say the Bank is having young and vibrant manpower strength and all organisational calls are being accepted whole heartedly by this dedicated work force. At Zonal Office, we tried our best that no leave should be denied (on genuine grounds). At rare times I have had to be tough also. During my career, I was assigned the lead role as Zonal Head of Gonda, Kanpur and Bhopal. Gonda Zone was one of the toughest Zones to manage 79 branches, one Zonal Office and 2 lead bank offices with a work force of only 187 officers and 71 award staff. However, it never proved to be a deterrent. The easy approachability to Zonal Head was ensured. It allowed us to extend best handholding support to employees sailing through tough times. Young work force was properly groomed to take higher responsibilities. Locational training and inspirational programmes were held to boost employee motivation and support. 9) Your favourite sport/ hobby. Swimming and Yoga are my hobbies since childhood. As I had told earlier I was the best swimmer in my college. 10) A movie which you will remember for a lifetime and why? My all time favourite movie is Mother India and I would love to watch it even today. 11) A special event in your banking career which you would like to share. Mudra Loan Camp was organised in Bhopal when I was the Zonal Head there. Chief Minister of the state was the Chief Guest. We created a different identity of Bank in the state. In a span of 18 months we registered a savings bank deposit growth of Rs Crores. Low cost deposit was mobilised from various govt run schemes. Similarly during my tenure in Gonda Zone, we mobilized 1900 Gram Nidhi Accounts in our branches which resulted in mobilizing huge amount in Savings Bank. 12) Any disappointment which you have had with the Bank? None 13) How do you perceive quality of leadership in context of today s competitive world? In today s competitive environment most desirable attribute to success is team efforts. Leadership is nothing but a team building exercise. Employees should have faith on leaders and at the same time, leader should have strong belief on employees. 38 Let us sacrifice our today so that our children can have a better tomorrow APJ Abdul Kalam

41 A strong and effective succession plan is the key to success for which proper grooming of leaders is required. 14) What motivated you to subscribe fully to Bank s ESPS on the day of your retirement? As regards ESPS, I feel fortunate enough to get this opportunity just 1 day before my superannuation. I could certainly have missed the opportunity if ESPS was not scheduled to begin on 31st January I feel proud to be a part of this exercise. The success of ESPS has shown that employees have faith on the organisation and its a win-win situation for both employer as well as employees. I heartily extend special thanks to top leadership. 15) What message would you like to give to the employees of your organization? Bank is a well built and developed organisation. Here we get opportunity to serve human beings. No service is better than being a public servant. If you enjoy your work you will get satisfaction. Youngsters are advised to put themselves through learning process to update and equip themselves with global developments. Continuous studies and updating oneself is required by taking help of seniors with their experience and expertise. No doubt sincerity and honesty are integral factors for success. Recognitions within the system are well placed. The organisation where I rendered 36 years of service is no less than a mother institution for me. Today I request everyone to give your 100% efforts to support this institution. At the same time, I also urge upon the youngsters that they must be concerned about their health too. Health aspects need not be overlooked at any stage. I personally feel highly obliged to work with this organisation. Interviewed By Dr. Anuja Banerjee Life is like riding a bicycle. To keep your balance, you must keep moving - Albert Einstein 39

42 Zonal Activities Heritage Branch Celebration at Fort Branch, Mumbai MEGA CAMP FOR MSME LOANS Mission 1000, at Kolkata, Mega Self Help group Camp organised under ZO-Ranchi 40 Cleanliness drive carried out at Hallomajra Branch under ZO Chandigarh

43 Memorable Moments Mission 1000" Mega Home Loan fortnight of FGMO Kolkata. Shri N. K. Sahoo, Executive Director, Shri Sudhanshu Gaur, General Manager and Imran Amin Siddiqui, FGM(E) are present on the Dias Staff address by our Executive Director Shri S. Harisankar in Delhi on Our Executive Director Shri S. Harisankar being felicitated by RD, RBI, Patna and CGM, Nabard, Patna Home and Car Loan Camp at ZO Patna on Shri S. Harisankar, Executive Director, Shri S. B. Jena, FGM (CE) & Shri P. K. Sinha, DGM, Patna Zone delivering cheque to the borrowers

44 Activities Drawn by : W/o : Mrs. V. Radha K. H. Venkateswaran, Deputy General Manager, Board Secretary, Head Office Compiled and Published by Corporate Communications & Publicity Department; Allahabad Bank, Head Office: 2, N. S. Road, Kolkata Designed & Printed by: Florence Offset Process Pvt. Ltd. 6A, S. N. Banerjee Road, Kolkata