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Home , Adoor Gopalakrishnan, Alla Rakha, Baba Amte, Ben Kingsley, Beth Moses, Dilip Kumar

Postal Regn. No. : HD/1145-2020-2022 Date of Publication : 7th August, 2021 RNI Regn. No. : APENG/2011/38018, Dated 24-06-2011 Date of Posting : 18th August, 2021

Volume - XI | Issue : 8 | Price : ` 1/- HAMARAHAMARA PRAYASPRAYAS THE MONTHLY TABLOID OF ANDHRA PRADESH MAHESH CO-OPERATIVE URBAN BANK LTD. Editor : Ranjana Sharma Associate Editor : A. V. Rama Rao

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th on the occasion of 44 Foundation Day ANDHRA PRADESH MAHESH CO-OPERATIVE CONTENTS URBAN BANK LTD. 01. Messages by Various Dignitaries...... 4-16 (MULTI-STATE SCHEDULED BANK) Website : www.apmaheshbank.com 02. From the Editor's Nib by Ranjana Sharma ...... 17 03. From the Chairman's Desk – Let Your Passion Be Your Profession by Ramesh Kumar Bung ...... 19 04. MD & CEO Speaks – The First Step to Success by Umesh Chand Asawa ...... 21 05. Are you using your Potential to the Fullest? by Raghuram Shetty ...... 23 06. Foreign Exchange Reserves of India by Editorial Team ...... 23 07. Omega Centaury by A V Rama Rao ...... 25 08. Per Capita Income of top 10 states by Editorial Team ...... 27 09. The Best Kind of Leadership? by Kilambi Badrinath ...... 29 10. General Knowledge Quiz by G. Santosh ...... 29 BOARD OF DIRECTORS 11. Where Indian Rupee is Stronger? by P. Sai Deepthi ...... 30 12. Depositors to get upto Rs 5 lakh within 90 days by Editorial Team ...... 31 13. How Draupadi's marriage was held? by Purshotamdas Mandhana ...... 32 14. Demise of Dilip Kumar by Editorial Team ...... 33 15. Top 10 active Bowlers by G. Amarnath ...... 34 16. Follow the COVID norms and get vaccinated by Editorial Team ...... 35 17. Do You Know? by P. Venugopal Reddy ...... 36 18. How to Overcome Weakness? by Ranjana Sharma ...... 37 19. 100 Greatest Personalities of India by Editorial Team ...... 38 20. What is a Cyclone? by Padma Vijay Kumar ...... 48 21. Fun Corner by Sarita Joshi ...... 49 22. Panchatantra by T. Gangadhar Rao ...... 50 23. 5 Coldest Places in the World by Editorial Team ...... 51 24. The Essential Eight by G V V S Nageshwara Rao ...... 52 25. How Life Insurance Cover is Calculated? by P Venugopal Rao ...... 54 26. Unspoken Message from the Road by N S N Murthy ...... 55 27. RBI guidelines on Deposits by Editorial Team ...... 55 28. Telugu Girl to fly in the Space by Editorial Team ...... 56 Purshotamdas Mandhana Laxminarayan Rathi 29. Master Cards – issuing new cards by Editorial Team ...... 56 Ramesh Kumar Bung 30. Why do we Waste Time? by Smitha Kolleri ...... 57 Sr. Vice - Chairman Chairman Vice - Chairman 31. Constitutional Agencies of India by K. Laxmi Reddy ...... 58 32. The Importance Crying Out of Happiness by Ramesh Kumar Bung ...... 59 33. Cause of Diabetes by Kothanda Raman ...... 60 DIRECTORS 34. Rich Ministers in Central Cabinet by Editorial Team ...... 61 35. National Insignia by Amaram Vani ...... 62 36. Quiz on General Awareness by G. Nanda Kumar ...... 63 37. Moral Responsibility to be Rich by K D Sharma ...... 63 38. Digital Banking – Structural Reforms in Indian Banking by Hanuman Das Sarda ...... 64 39. Why should we live for today? by D. Prabhakar ...... 65 40. UPI – its present status by Editorial Team ...... 66 41. Story of a Businessman by V. Jyothi ...... 66 42. Is Going to Work a Struggle? by Umesh Chand Asawa ...... 67 43. Wimbledon 2021: Indian-American Samir Banerjee Wins Boys' Single Title by Editorial Team ...... 67 44. Nargis – the Legend 68 Smt. Anita Soni Arunkumar Bhangadia Badrivishal Mundada by Pradeep Kumar Deshpande ...... 45. The names of things you do not know by Sheela Jaiswal ...... 68 46. How to invite an epiphany? by G D Baldewa ...... 69 47. Last Minute Tax Saving by Editorial Team ...... 69 48. Mumbai- an Expensive City by Editorial Team ...... 70 49. Penalties Imposed by RBI by Editorial Team ...... 70 50. Yashpal Sharma by G. Amarnath ...... 71 51. Window 11 by Vandana Modi ...... 71 52. An illiterate woman becomes the chairperson of bank by Editorial Team ...... 72 53. Olympic Games 2021 by Editorial Team ...... 72 Bhagwan Pansari Smt. Bhagwati Devi Baldwa Brijgopal Asawa Govind Narayan Rathi Kailash Narayan B. 54. Test Divisibility by A. Swapna Priya ...... 73 55. Mahabharata War by A V Rama Rao ...... 74 56. Top 10 Dailies of India by Editorial Team ...... 75 57. Traits leading you to greatness by Y. Uma Prasanna ...... 76 58. Digital Currency: RBI by Editorial Team ...... 77 59. Salaries by Sandhya Rani Patnaik ...... 78 60. Global Warming by B. Jyothsna ...... 79 61. Iron Rich Foods by Editorial Team ...... 79 62. How to Burn more fat? by Dharmender Kumar ...... 80 CA Murali Manohar Palod Prem Kumar Bajaj Smt. Pushpa Boob Ramprakash Bhandari Umesh Chand Asawa 63. Ajameela by Amith Kumar Bajpayee ...... 80 M. D. & CEO 64. Big Data by T. Girish ...... 81

HAMARA PRAYAS - SPECIAL ISSUE 2021 03 ANDHRA PRADESH MAHESH CO-OPERATIVE CONTENTS URBAN BANK LTD. 01. Messages by Various Dignitaries...... 4-16 (MULTI-STATE SCHEDULED BANK) Website : www.apmaheshbank.com 02. From the Editor's Nib by Ranjana Sharma ...... 17 03. From the Chairman's Desk – Let Your Passion Be Your Profession by Ramesh Kumar Bung ...... 19 04. MD & CEO Speaks – The First Step to Success by Umesh Chand Asawa ...... 21 05. Are you using your Potential to the Fullest? by Raghuram Shetty ...... 23 06. Foreign Exchange Reserves of India by Editorial Team ...... 23 07. Omega Centaury by A V Rama Rao ...... 25 08. Per Capita Income of top 10 states by Editorial Team ...... 27 09. The Best Kind of Leadership? by Kilambi Badrinath ...... 29 10. General Knowledge Quiz by G. Santosh ...... 29 BOARD OF DIRECTORS 11. Where Indian Rupee is Stronger? by P. Sai Deepthi ...... 30 12. Depositors to get upto Rs 5 lakh within 90 days by Editorial Team ...... 31 13. How Draupadi's marriage was held? by Purshotamdas Mandhana ...... 32 14. Demise of Dilip Kumar by Editorial Team ...... 33 15. Top 10 active Bowlers by G. Amarnath ...... 34 16. Follow the COVID norms and get vaccinated by Editorial Team ...... 35 17. Do You Know? by P. Venugopal Reddy ...... 36 18. How to Overcome Weakness? by Ranjana Sharma ...... 37 19. 100 Greatest Personalities of India by Editorial Team ...... 38 20. What is a Cyclone? by Padma Vijay Kumar ...... 48 21. Fun Corner by Sarita Joshi ...... 49 22. Panchatantra by T. Gangadhar Rao ...... 50 23. 5 Coldest Places in the World by Editorial Team ...... 51 24. The Essential Eight by G V V S Nageshwara Rao ...... 52 25. How Life Insurance Cover is Calculated? by P Venugopal Rao ...... 54 26. Unspoken Message from the Road by N S N Murthy ...... 55 27. RBI guidelines on Deposits by Editorial Team ...... 55 28. Telugu Girl to fly in the Space by Editorial Team ...... 56 Purshotamdas Mandhana Laxminarayan Rathi 29. Master Cards – issuing new cards by Editorial Team ...... 56 Ramesh Kumar Bung 30. Why do we Waste Time? by Smitha Kolleri ...... 57 Sr. Vice - Chairman Chairman Vice - Chairman 31. Constitutional Agencies of India by K. Laxmi Reddy ...... 58 32. The Importance Crying Out of Happiness by Ramesh Kumar Bung ...... 59 33. Cause of Diabetes by Kothanda Raman ...... 60 DIRECTORS 34. Rich Ministers in Central Cabinet by Editorial Team ...... 61 35. National Insignia by Amaram Vani ...... 62 36. Quiz on General Awareness by G. Nanda Kumar ...... 63 37. Moral Responsibility to be Rich by K D Sharma ...... 63 38. Digital Banking – Structural Reforms in Indian Banking by Hanuman Das Sarda ...... 64 39. Why should we live for today? by D. Prabhakar ...... 65 40. UPI – its present status by Editorial Team ...... 66 41. Story of a Businessman by V. Jyothi ...... 66 42. Is Going to Work a Struggle? by Umesh Chand Asawa ...... 67 43. Wimbledon 2021: Indian-American Samir Banerjee Wins Boys' Single Title by Editorial Team ...... 67 44. Nargis – the Legend 68 Smt. Anita Soni Arunkumar Bhangadia Badrivishal Mundada by Pradeep Kumar Deshpande ...... 45. The names of things you do not know by Sheela Jaiswal ...... 68 46. How to invite an epiphany? by G D Baldewa ...... 69 47. Last Minute Tax Saving by Editorial Team ...... 69 48. Mumbai- an Expensive City by Editorial Team ...... 70 49. Penalties Imposed by RBI by Editorial Team ...... 70 50. Yashpal Sharma by G. Amarnath ...... 71 51. Window 11 by Vandana Modi ...... 71 52. An illiterate woman becomes the chairperson of bank by Editorial Team ...... 72 53. Olympic Games 2021 by Editorial Team ...... 72 Bhagwan Pansari Smt. Bhagwati Devi Baldwa Brijgopal Asawa Govind Narayan Rathi Kailash Narayan B. 54. Test Divisibility by A. Swapna Priya ...... 73 55. Mahabharata War by A V Rama Rao ...... 74 56. Top 10 Dailies of India by Editorial Team ...... 75 57. Traits leading you to greatness by Y. Uma Prasanna ...... 76 58. Digital Currency: RBI by Editorial Team ...... 77 59. Salaries by Sandhya Rani Patnaik ...... 78 60. Global Warming by B. Jyothsna ...... 79 61. Iron Rich Foods by Editorial Team ...... 79 62. How to Burn more fat? by Dharmender Kumar ...... 80 CA Murali Manohar Palod Prem Kumar Bajaj Smt. Pushpa Boob Ramprakash Bhandari Umesh Chand Asawa 63. Ajameela by Amith Kumar Bajpayee ...... 80 M. D. & CEO 64. Big Data by T. Girish ...... 81

HAMARA PRAYAS - SPECIAL ISSUE 2021 03 To, Sri Ramesh Kumar Chairman Bung Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Hyderabad

04 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 05 To, Sri Ramesh Kumar Chairman Bung Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Hyderabad

04 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 05 To, Sri Ramesh Kumar Bung Chairman Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Hyderabad

06 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 07 To, Sri Ramesh Kumar Bung Chairman Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Hyderabad

06 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 07 MESSAGE

08 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 09 MESSAGE

08 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 09 To, Sri Ramesh Kumar Bung Chairman Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Hyderabad

10 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 11 To, Sri Ramesh Kumar Bung Chairman Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Hyderabad

12 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 13 To, Sri Ramesh Kumar Bung Chairman Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Hyderabad

12 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 13 14 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 15 14 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 15 My Dear Readers, FROM This Special Issue of Hamara Prayas is a THE EDITOR'S powerhouse as it is being presented to you in a power-packed booklet with several sections. Since long, the editorial team has been endeavouring to update, innovate the topics covering most useful for the readers of the age. Our success is making the best NIB use of today!

Almost two decades journey of the Communique reveals that the only competence you need is to build a competitive team. Vision plus business model plus a competent team is a compelling winning combination. In life, every finishing line is the new starting line. Hamara Prayas will continue to raise human consciousness towards a life of knowledgeable abundance.

The present issue in front of you has many ingredients like write-ups on human relations, personality development, motivation, banking, history, Science and Technology, health, environment, law, computers, humour, general Ranjana Sharma knowledge, Indian Films, Sports, astronomy, mythology, ethical episodes and other mind blowing essays. ASSOCIATE EDITOR Teaching a child not to step on the grasshopper is as important to the child as the grasshopper. Learning to know is more important to you than what you learn.

There is only one way to feel ONE with anything – LEARN MORE.

Yours truly, Ranjana Sharma To, Sri Ramesh Kumar Bung Editor Chairman Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Hyderabad A.V. Rama Rao

16 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 17 My Dear Readers, FROM This Special Issue of Hamara Prayas is a THE EDITOR'S powerhouse as it is being presented to you in a power-packed booklet with several sections. Since long, the editorial team has been endeavouring to update, innovate the topics covering most useful for the readers of the age. Our success is making the best NIB use of today!

There is only one way to feel ONE with anything – LEARN MORE.

Yours truly, Ranjana Sharma To, Sri Ramesh Kumar Bung Editor Chairman Andhra Pradesh Mahesh Co-operative Urban Bank Ltd. Hyderabad A.V. Rama Rao

16 HAMARA PRAYAS - SPECIAL ISSUE 2021 HAMARA PRAYAS - SPECIAL ISSUE 2021 17 SIGNIFICANT EVENTS OF THE YEAR FROMFROM THETHE CHAIRMAN'SCHAIRMAN'S DESKDESK

repeat you get only one chance to be yourself. In Jewish scriptures there is such a beautiful reference to it. They say, when you eventually die and go to God, God will not ask you why you did not become a LET YOUR PASSION BE YOUR PROFESSION Messiah. But he will ask you, why you didn't live as you. I sent you to earth for you to be you and why Find a work in which you find that inner expression, didn't you live as you. A time was there in the world you find happiness in it. Make the world recognize that when a Jesus Christ was required a Jesus Christ was expression of yours, you find success in it. Offer the sent. A time was there in the world when a Prophet results you produce through that work unto him, you was required, a Prophet was sent. A time in the world find God in it. Which means when I choose an when a JRD was required a JRD was sent. A time in expression in life where, my work itself becomes my the world when a Lata was required, and a Lata was source of happiness, my work itself becomes my sent. A time in the world when a Rafi was required a source of success, and my work itself becomes my Rafi was sent. A time was there in the world when you source of experiencing the divine, because my self- were required and that's why you were sent. expression gives my happiness, I'm making the world They all did something very significant with their life recognize. The excitement I get when I play snooker, because they celebrated their originality. In fact I've somehow nothing in life gives me. You should be asked this question whenever I watch a live music doing snooker parlour business. That's what you concert. Hey he sings exactly like Mohammed Rafi, should be doing. And isn't it nice for what do you like why he didn't get so much break-through? I realized he playing others come and pay? Pele asked this sings like Mohammed Rafi, he is not original. Rafi was question, when he played the first season of football original, he sang like him. In fact if he had sang like and at the end of the season when he got paid, Pele him, he would have a future. But he chose to be a asked this question. You mean I get paid for playing duplicate in life, when he would have chosen to be the football? Isn't it beautiful? You can do in your life what original. This is me. This is how I speak. A little South you like the most and for that the world pays you. Your Indian Brahmin tongue in my pronunciation, this is hobby should become your profession. If eating is me. your hobby, that has to be your profession. If dressing; somehow even when I'm talking, you're not listening You will keep a bearded photo and come without to the talk you're only checking whether I'm wearing beard. In fact, you are peaceful only being yourself. the right pajama kurta, whether the combination is Think about in all of you sitting here, I'm not asking right, you should be in that business, you should be a you to celebrate me. In fact, in no program of mine I designer. want you to come and celebrate me. I want you to come and celebrate yourself. You are my subject. Somewhere, wherever you see your eyes only looks at Think about it, I don't care how many programs you whether his shoulders are developed, biceps is OK or have attended of mine. Think about it. When you not, whether his equator is coming out or it's in the leave my program, you won't think of me. You'll think middle, you should be in gym business, you should be of yourself and your life and leave. I want all of you to a yoga teacher. Some of the fulfillment I get, when I Sri Purshotamdas Mandhana, Chairman presenting the Annual Report of the Bank for the year 2019-20 realize, you want to be happy you have to be happy listen to chanting, when I meditate, when I see people during the 44th Annual General Meeting held at Head Office of the Bank on 7th December, 2020. with yourself. in faith, when I go to the ashram. Somehow the Sri Ramesh Kumar Bung, Chairman-Emeritus, Sri Rampal Attal, Vice Chairman, Directors on the Board, Best wishes to you all on Bank's 44th fulfillment that I get nothing gives me. That has to be Sri Umesh Chand Asawa, MD & CEO on the dais. Shareholders of the Bank attended in large number are Foundation Day. in the photograph. your future. Set a goal 40, 48, 50, 52, create enough for the generation and walk the path of your peace. I Ramesh Kumar Bung

18 HAMARA PRAYAS - SPECIAL ISSUE 2021 Seek diligently path of the truth – Ramesh Kumar Bung. 19 SIGNIFICANT EVENTS OF THE YEAR FROMFROM THETHE CHAIRMAN'SCHAIRMAN'S DESKDESK

18 HAMARA PRAYAS - SPECIAL ISSUE 2021 Seek diligently path of the truth – Ramesh Kumar Bung. 19 MOMENTOUS EVENTS OF THE YEAR MDMD && CEOCEO SPEAKSSPEAKS

nothing can be done. If you keep telling yourself that I am not capable, so I will never have an accomplishment in life, so be it. You will never have any accomplishment in life. Not THE FIRST STEP TO SUCCESS because accomplishment did not want to unfold through you, but you have unqualified yourself for My Dear Colleagues, that experience. Rain fills the size of the vessel which Rain fills the size of the vessel. It is raining. You are contains it. Nobody can give you beyond what you standing there with one spoon. And then you're believe you deserve. If you keep convincing yourself blaming, saying that you didn't give me enough. No, that I am cut out for crying in life, I am cut out for that's… rain fills the size of the vessel you hold. miseries in life, I am cut out for all these challenges in Somebody else is standing there with a tumbler, life, you are scripting such a future for yourself. somebody is holding a mug, somebody is having a You are all time creating the script. Life means if there bucket, somebody has built a cement tank, somebody is an up, there will be a down. Till now he didn't have built a swimming pool and somebody dug an artificial that plan, but now that you have told if there is up, lake and said, “let all that fall and I will have…” Rain there will be a down, down is coming, and you draw fills the size of the vessel that you have. this into your own life. You draw this into your own A man was jogging one morning, and at a distance, he life. And life outside is a manifestation of how you saw there was a fisherman who was fishing. Just think, and that's the truth. curious how this entire process happens. He jogged With Foundation Day Greetings, close to him, and he was watching the fishermen to see, every time the fisherman caught a big fish, he Cordially yours, threw it back into the river. And every time he caught a Umesh Chand Asawa small fish, he put it into his icebox. The jogger said, “All my life I have seen fishermen, and for the first time I am seeing, because normally people who do fishing, they prefer the big ones. Why are you throwing back the big ones and keeping only the small ones?” And it seems the fisherman said, “I also hate to do what I'm Today will become yesterday. doing, but I am so helpless. I have only a small frying Tomorrow will become TODAY. Sri Ramakant Inani, President, The Federation of Telangana Chamber of Commerce and Industry, pan in the house. The big ones won't fit there.” Hyderabad inaugurating the 43rd Foundation Day of the Bank along with Sri Purshotamdas Mandhana, Life moves on. Someone will be born. Chairman, Sri Ramesh Kumar Bung, Chairman-Emeritus, Sri Rampal Attal, Vice Chairman and And he was not talking about him, he was talking Someone will be gone. Life moves Sri Umesh Chand Asawa, MD & CEO on 9th August, 2020 at Bank's Head Office. Photo displays the about all of us. Lot of us have a very small frying pan on... Directors on the Board and award winning manager. here. Opportunities come in search of us. We say it's To gracefully let go and to gratefully too big for us. We say it is not good enough for me. Let in –is celebrating life's flow. You're scared even to think in one billion dollars. If you're not even prepared to think in one billion Ramesh Kumar Bung dollars, how will we become one? Somebody who sold Chai, at some stage of his life desired he can be the Prime Minister of this country. That was the beginning. If you're not even willing to desire that,

20 HAMARA PRAYAS - SPECIAL ISSUE 2021 Concentration will give you a great power– Ramesh Kumar Bung. 21 MOMENTOUS EVENTS OF THE YEAR MDMD && CEOCEO SPEAKSSPEAKS

20 HAMARA PRAYAS - SPECIAL ISSUE 2021 Concentration will give you a great power– Ramesh Kumar Bung. 21 IMPORTANT Are You Using Your Potential To The Fullest? MOMENTS "I understand it does not matter how much I have, after by every camera in the world. “Sylvester what really matters is what I do with what I have." Stallone” was rejected a thousand times, because his I can use my intelligence for the rest of my life and jawbone is broken and when he communicate it's not create a list of what all I am not good at? What all I'm very clear what he communicates. inadequate at? I can continue to be extraordinary in “Arnold Schwarzenegger”, when he sought creating my lack list. What all I lack in life? And it's not breakthrough in Hollywood, they all told him with going to take us anywhere. A “Beethoven” when he your Russian accent unless you spend your own was still deaf, compiled the greatest music symphony money and take a movie nobody will watch you. and gave it to the world which he himself could never And yet with a broken jaw, and with that hardened hear. accent, both of them demonstrated to the world. It Demonstrating, it does not matter how much I have? does not matter how much I have, what really What really matters is? What I do with what I have? matters is what I do with what I have. “Rajinikanth” is And “Einstein” was a hunchback. And as an certainly not the smartest looking actor, even he hunchback, he redefined the face of science would vouch for it. demonstrating, it does not matter how much I have, He's probably not the most romantic hero, even he what really matters is what I do with what I have. would agree to it. He's not probably the best in terms “John Milton” was blind when he wrote “Paradise of dialog delivery, he knows it too. And he's not Lost”. One of the greatest poetries is on nature and necessarily somebody who has been trained in he demonstrated, it does not matter how much I martial arts for him to come and demonstrate great have, what really matters is what I do with what I skills. Yet a superstar is a superstar. Because he have. demonstrated to the world, it does not matter how When he sought his first few chances to act in movies. much I have, what really matters is what I do with One of them sarcastically commented of “Amitabh what I have. Bachchan”, with your height, you can be used for Raghuram Shetty clearing cobwebs, not for acting. And yet even today, General Manager several decades later, he is one of the most sought India's Foreign Exchange Reserves Rise By $1.883 Billion To All-Time High Of $611.895 Billion

India's foreign exchange reserves have soared to a Expressed in dollar terms, the FCAs include the effect lifetime high of $611.895 billion. According to the of appreciation or depreciation of non-US units like RBI's weekly statistical supplement, the foreign the euro, pound and yen held in the foreign exchange reserves surged by $1.883 billion to exchange reserves. Other than these, gold reserves Sri Dilip Sanghani, President, NCUI, New Delhi inaugurating the workshop on $611.895 billion in the week ended 9 July. In the went up by $584 million to $36.956 billion. 'Leadership Qualities and Decision Making' on 22nd March, 2021 held at Head Office. previous week, the reserves had surged by $1.013 Meanwhile, India's special drawing rights (SDRs) Sri Ramesh Kumar Bung, Chairman, Sri Purshotamdas Mandhana, Sr. Vice Chairman, billion to $610.012 billion. The rise in the forex with the International Monetary Fund (IMF) Sri Laxminarayan Rathi, Vice Chairman and Sri Raghuram Shetty, General Manager, reserves was driven by the rise in foreign currency remained unchanged at $1.547 billion. At the same Board of directors of reputed Co-operative Banks / Societies of gujarat and employees of assets (FCA) that form a major component of the time, the reserve position of India with the IMF the Bank are in the photograph. overall reserves. The FCAs surged by $1.297 billion increased by $3 million to $5.107 billion. to $568.285 billion in the week ended 9 July.

22 HAMARA PRAYAS - SPECIAL ISSUE 2021 Pass through the gate of wisdom– Ramesh Kumar Bung. 23 IMPORTANT Are You Using Your Potential To The Fullest? MOMENTS "I understand it does not matter how much I have, after by every camera in the world. “Sylvester what really matters is what I do with what I have." Stallone” was rejected a thousand times, because his I can use my intelligence for the rest of my life and jawbone is broken and when he communicate it's not create a list of what all I am not good at? What all I'm very clear what he communicates. inadequate at? I can continue to be extraordinary in “Arnold Schwarzenegger”, when he sought creating my lack list. What all I lack in life? And it's not breakthrough in Hollywood, they all told him with going to take us anywhere. A “Beethoven” when he your Russian accent unless you spend your own was still deaf, compiled the greatest music symphony money and take a movie nobody will watch you. and gave it to the world which he himself could never And yet with a broken jaw, and with that hardened hear. accent, both of them demonstrated to the world. It Demonstrating, it does not matter how much I have? does not matter how much I have, what really What really matters is? What I do with what I have? matters is what I do with what I have. “Rajinikanth” is And “Einstein” was a hunchback. And as an certainly not the smartest looking actor, even he hunchback, he redefined the face of science would vouch for it. demonstrating, it does not matter how much I have, He's probably not the most romantic hero, even he what really matters is what I do with what I have. would agree to it. He's not probably the best in terms “John Milton” was blind when he wrote “Paradise of dialog delivery, he knows it too. And he's not Lost”. One of the greatest poetries is on nature and necessarily somebody who has been trained in he demonstrated, it does not matter how much I martial arts for him to come and demonstrate great have, what really matters is what I do with what I skills. Yet a superstar is a superstar. Because he have. demonstrated to the world, it does not matter how When he sought his first few chances to act in movies. much I have, what really matters is what I do with One of them sarcastically commented of “Amitabh what I have. Bachchan”, with your height, you can be used for Raghuram Shetty clearing cobwebs, not for acting. And yet even today, General Manager several decades later, he is one of the most sought India's Foreign Exchange Reserves Rise By $1.883 Billion To All-Time High Of $611.895 Billion

22 HAMARA PRAYAS - SPECIAL ISSUE 2021 Pass through the gate of wisdom– Ramesh Kumar Bung. 23 GLIMPSES OMEGA OF THE YEAR CENTAURI

NASA's Hubble Space Telescope snapped this average distance between any two stars in the cluster's panoramic view of a colourful assortment of 100,000 crowded core is only about a third of a light-year, stars residing in the crowded core of a giant star roughly 13 times closer than our Sun's nearest stellar cluster. The image reveals a small region inside the neighbour, Alpha Centauri. Although the stars are massive globular cluster Omega Centauri, which close together, WFC3's sharpness can resolve each of boasts nearly 10 million stars. Globular clusters, them as individual stars. If anyone lived in this ancient swarms of stars united by gravity, are the globular cluster, they would behold a star-saturated homesteaders of our Milky Way galaxy. The stars in sky that is roughly 100 times brighter than Earth's sky. Omega Centauri are between 10 billion and 12 billion Globular clusters were thought to be assemblages of years old. The cluster lies about 16,000 light-years stars that share the same birth date. Evidence from Earth. suggests, however, that Omega Centauri has at least This is one of the first images taken by the new Wide two populations of stars with different ages. Some Field Camera 3 (WFC3), installed aboard Hubble in astronomers think that the cluster may be the remnant May 2009, during Servicing Mission 4. The camera of a small galaxy that was gravitationally disrupted can snap sharp images over a broad range of long ago by the Milky Way, losing stars and gas. wavelengths. The photograph showcases the Omega Centauri is among the biggest and most Sri Purshotamdas Mandhana, Chairman, Sri Ramesh Kumar Bung, Chairman-Emeritus, camera's colour versatility by revealing a variety of massive of some 200 globular clusters orbiting the Sri Rampal Attal, Vice Chairman, Directors on the Board, Sri Umesh Chand Asawa, MD & CEO stars in key stages of their life cycles. The majority of the stars in the image are yellow-white, like our Sun. Milky Way. It is one of the few globular clusters that and staff of the Bank participating in the Ganesh Pooja held at Head Office. These are adult stars that are shining by hydrogen can be seen with the unaided eye. Named by Johann fusion. Toward the end of their normal lives, the stars Bayer in 1603 as the 24th brightest object in the become cooler and larger. These late-life stars are the constellation Centaurus, it resembles a small cloud in orange dots in the image. the southern sky and might easily be mistaken for a comet. Hubble observed Omega Centauri on July 15, Even later in their life cycles, the stars continue to cool down and expand in size, becoming red giants. These 2009, in ultraviolet and visible light. These Hubble bright red stars swell to many times larger than our observations of Omega Centuari are part of the Sun's size and begin to shed their gaseous envelopes. Hubble Ser vicing Mission 4 early release After ejecting most of their mass and exhausting much observations. of their hydrogen fuel, the stars appear brilliant blue. A. V. Rama Rao. Only a thin layer of material covers their super-hot cores. These stars are desperately trying to extend their lives by fusing helium in their cores. At this stage, they emit much of their light at ultraviolet wavelengths. When the helium runs out, the stars reach the end of their lives. Only their burned-out cores remain, and they are called white dwarfs (the faint blue dots in the Fixing the blame does not fix the image). White dwarfs are no longer generating energy p r o b l e m . B l a m i n g s o l v e s through nuclear fusion and have gravitationally nothing. Take responsibility. contracted to the size of Earth. They will continue to Respond with ability. cool and grow dimmer for many billions of years until they become dark cinders. Other stars that appear in Umesh Chand Asawa the image are so-called "blue stragglers." They are Sri Ramesh Kumar Bung, Chairman-Emeritus, Sri Umesh Chand Asawa, MD & CEO, older stars that acquire a new lease on life when they Smt. Ranjana Sharma, DGM and women workforce commemorating Bathukamma Festival collide and merge with other stars. The encounters at Head Office. boost the stars' energy-production rate, making them appear bluer. All of the stars in the image are cozy neighbours. The

24 HAMARA PRAYAS - SPECIAL ISSUE 2021 Your real Guru or preceptor is in your own heart– Ramesh Kumar Bung. 25 GLIMPSES OMEGA OF THE YEAR CENTAURI

24 HAMARA PRAYAS - SPECIAL ISSUE 2021 Your real Guru or preceptor is in your own heart– Ramesh Kumar Bung. 25 MEMORABLE India's top 10 states by Per Capita Income EVENTS OF THE YEAR

India's per capita income during 2020-21 is estimated to be Rs 127,768, showing a decline of 4.8%, as compared to Rs 134,186 during 2019-20, primarily due to the economic impact of the pandemic and lockdowns. Per capita personal income has become an increasingly common measure of the effectiveness of economic development policy. Per capita income is defined as the total Gross Domestic Product (GDP) of a country divided by the number of people in the country. It is a measure of how rich the country's citizens are on average. So, the citizens of India have grown poorer during the last year. Similarly, a state's per capita income is defined by the state GDP divided by the state population. How much an average Indian earns apart from his/her qualifications and knowledge also depends upon the state of residence? Some states provide better employment opportunities due to their location, policies, industrialisation, tourism potential, et cetera than others. Five states — Tamil Nadu, Maharashtra, Gujarat, Karnataka and Andhra Pradesh — account for half of India's factory workers. Level of urbanisation also plays a key role in determining the per capita income. Other factors which impact per capita income are family composition, share of farming in a region, tax rates, human capital, and factors that are often labeled as socioeconomic, such as the share of immigrants or single-parent households. State level differences in per capita income also highlight the growing economic inequality in India in the period of economic reforms. The rich states are becoming richer and poor states poorer. Regional differences in the standard of living can have serious implications for the economic and political functioning of national economies. At the beginning of the millennium, the per capita income of the five richest states was 145% higher than that of the bottom five states. That difference rose to 289% in 2010-11, and further to 322% in 2018-19. Goa has the highest per capita income at Rs 4.66 lakh, which is more than three times the national average. This is Sri Purshotamdas Mandhana, Chairman, Sri Ramesh Kumar Bung, Chairman-Emeritus, followed by Sikkim at Rs 4.25 lakh and Delhi at Rs 3.75 lakh. All the southern states are in the top 10 list, except for Sri Ramprakash Bhandari, Director, Sri Umesh Chand Asawa, MD & CEO hoisting the Andhra Pradesh. States with less than equal to 2.5 crore population occupy 5 of the top 10 slots strengthening the National Flag at Head Office of the Bank on the occasion of nation's 74th Independence logic for smaller states. None of the eastern states are in the top 10 list. The degree of urbanisation of these 10 Day. Enthusiastic and patriotic staff present at the event. states is 51%, much higher than the national average of 35%. Sikkim has the lowest level of urbanisation but still is ranked number two in the list. Top 10 States with Highest Per Capita Income

S.NO. STATE PER CAPITA INCOME REGION URBAN POPULATION 01. Goa 466585 West 62.17% 02. Sikkim 425656 North East 25.15% 03. Delhi 376143 North 97.50% 04. Hary ana 247207 North 34.88% 05. Telangana 225756 South 38.88% 06. Karnataka 223246 South 50.78% 07. Kerala 221904 South 47.70% 08. Pondicherry 220949 South 68.33% 09. Tamil Nadu 218599 South 48.40% 10. Gujar at 216329 West 42.60% Sri Purshotamdas Mandhana, Chairman, Sri Ramesh Kumar Bung, Chairman-Emeritus, Other states which have higher per capita income than the national average are Mizoram, Uttarakhand, Directors on the Board, Sri Umesh Chand Asawa, MD & CEO performing Deepawali Puja Maharashtra, Himachal, Andhra, Arunachal and Punjab. Four of these states are again small states. All the at Bank's Head Office. countries tagged to the state per capita income also are smaller in number of people they have except Colombia. These small countries and even Palestine which has been ravaged by war with Israel have a higher per capita income than India. An average income earner in the highest per capita income state Goa (Rs 4.6 lakh) is exempt from tax. The very low per capita income in India which is roughly Rs 10,000 per month is also one of the reasons why a few people pay income tax.

26 HAMARA PRAYAS - SPECIAL ISSUE 2021 The wise man is always a student– Ramesh Kumar Bung. 27 MEMORABLE India's top 10 states by Per Capita Income EVENTS OF THE YEAR

26 HAMARA PRAYAS - SPECIAL ISSUE 2021 The wise man is always a student– Ramesh Kumar Bung. 27 Technology from where it was, to where it is, it has evolved so much. Language has added words to the THE A GLANCE AT language which did not exist originally, addressing the needs and the necessities of the modern man. THE EVENTS OF THE YEAR Language has evolved from where it was to where it is BEST KIND today. Lifestyle has evolved from where it was to where it is today. The toys that we enjoy in our life, the OF LEADERSHIP cars, the television, the luxuries, the gadgets, the gizmos, has evolved from where it was to where it is today. Each one of us an individual, from where we same way when it has ten crores and does not think were born to where we are, we have evolved and the same way when it has thousand crores. Not somewhere in the collective evolution of everything necessarily it always contributes to his evolution, that has happened. sometimes even to his devolution. It creates the fall. I One thing alone was not allowed to evolve religion. really believe all these resources of science, The way it was unfolded, it remained in the same technology, economy, human resources, doing, infancy. As a result, religion did not evolve to address creativity, natural resources, all this can create an Dr. Aditya Vikram Kabra, Chief and HOD, Anaesthesia and Critical care & Covid treating team the changing needs of man, the changing needs of the extraordinarily world, provided spirituality takes the Director, Navodaya Hospital, Hyderabad, Sri Ramesh Kumar Bung, Chairman-Emeritus lifestyle of man, the changing needs of the mindset of leadership role. addressing during a Webinar on 'Covid-19': Precautions held at Head Office. Sri Umesh Chand man, and because this evolution did not happen, one, There has to be spiritual leadership that understands Asawa, MD & CEO and Staff taking part in the Webinar. we either forsake religion and those of us who did not how to utilize all these resources, guide those forsake religion somehow could not completely align resources. We need a “Clive Lloyd”, who can get the ourselves to the religion. best out of “Roy Frederick's”, “Gordon Greenidge”, And a few of us just follow it because it is there without “Vivian Richards”, “Alvin Kallicharran” and “Andy understanding the science and the depth of the whole Roberts”, “Malcolm Marshall”, we need a “Clive thing. I really believe, science to me is like a Lloyd”, we need a “Mahindra Singh Dhoni”, who is extraordinary resource, but I don't think leadership of able to get the best out of some of those resources, and the world can be handed over to science. Science by I really think that leadership role has to come from itself in trying to lead the world has caused the amount spirituality and if that leadership role has to come from of devastation that has happened to the world. So, I spirituality, that leadership role has to come from don't think science is capable of being a leader, but an India. It cannot come from anywhere else. It has to extraordinary resource. Technology, I don't think come from India. If we need a new world, all the technology can be leadership. resources have to be led by spirituality. If leadership has to be spirituality, leadership has to come from Because technology is a means, it can enhance what India, and if leadership has to come from India, it has is there, but it cannot lead the world. In its attempt to to come from us. We go to lead. It has to come from us. lead the world, an enormous amount of disintegration and destruction has happened to the world. Economy Kilambi Badrinath cannot lead the world. Somehow the mind of a man DGM: HO: IT that thinks when it has ten rupees does not think the

Pundit Vijay Shankar Mehta, the international famous orator from Ujjain speaking on 'Time GENERAL KNOWLEDGE QUIZ Management' during the deliberations held at Head Office of the Bank. Sri Ramesh Kumar Bung, Chairman and employees participating in the discussions. 1.Full Form of PAN 2. Full Form of PIN 3. Full Form of BMW 4. Full Form of DSLR 5.Full Form of NEFT 6. Full Form of USB 7. Full Form of NDTV 8. Full Form of GIF 9. Full Form of PNG 10. Full Form of IFSC 11. Full Form of CTC 12. Full Form of HDFC 13. Full Form of SENSEX 14. Full Form of URL 15. Full Form of IRCTC 16. Full Form of NIFTY 17. Full Form of JIO 18.Full Form of POLICE 19. Full Form of GOOGLE 20. Full Form of LTE 21. Full Form of VOLTE 22. Full Form of OBC 23. Full Form of SC 24. Full Form of ST 25. Full Form of OK 26. Full Form of MBBS 27. Full Form of NASA 28. Full Form of RIP 29. Full Form of COMPUTER 30. Full Form of IAS 31. Full Form of UPSC 32. Full Form of COVID-19 33. Full Form of ED 34. Full Form of CBI 35. Full Form of PUBG 36. Full Form of CBI 37. Full Form of CNG 38. Full Form of SPG Sri Ramesh Kumar Bung, Chairman, Sri Purshotamdas Mandhana, Sr. Vice Chairman, Sri 39. Full Form of ECG 40. Full Form of NSG 41. Full Form of CCTV 42. Full Form of WIFI 43. Full Form of PNR Laxminarayan Rathi, Vice Chairman, Directors on the Board hoisting the national flag on the 44. Full Form of SIM 45. Full Form of CDR 46. Full Form of RADAR 47. Full Form of DP 48. Full Form of DNA occasion on Nation's 72nd Republic Day Celebrations held at Head Office. Photo shows the 49. Full Form of RNA 50. Full Form of NRC staff saluting the national flag. G. Santhosh, HO: Marketing [Answers on Page:76]

28 HAMARA PRAYAS - SPECIAL ISSUE 2021 A man of little learning and little understanding is ever eager to teach– Ramesh Kumar Bung. 29 Technology from where it was, to where it is, it has evolved so much. Language has added words to the THE A GLANCE AT language which did not exist originally, addressing the needs and the necessities of the modern man. THE EVENTS OF THE YEAR Language has evolved from where it was to where it is BEST KIND today. Lifestyle has evolved from where it was to where it is today. The toys that we enjoy in our life, the OF LEADERSHIP cars, the television, the luxuries, the gadgets, the gizmos, has evolved from where it was to where it is today. Each one of us an individual, from where we same way when it has ten crores and does not think were born to where we are, we have evolved and the same way when it has thousand crores. Not somewhere in the collective evolution of everything necessarily it always contributes to his evolution, that has happened. sometimes even to his devolution. It creates the fall. I One thing alone was not allowed to evolve religion. really believe all these resources of science, The way it was unfolded, it remained in the same technology, economy, human resources, doing, infancy. As a result, religion did not evolve to address creativity, natural resources, all this can create an Dr. Aditya Vikram Kabra, Chief and HOD, Anaesthesia and Critical care & Covid treating team the changing needs of man, the changing needs of the extraordinarily world, provided spirituality takes the Director, Navodaya Hospital, Hyderabad, Sri Ramesh Kumar Bung, Chairman-Emeritus lifestyle of man, the changing needs of the mindset of leadership role. addressing during a Webinar on 'Covid-19': Precautions held at Head Office. Sri Umesh Chand man, and because this evolution did not happen, one, There has to be spiritual leadership that understands Asawa, MD & CEO and Staff taking part in the Webinar. we either forsake religion and those of us who did not how to utilize all these resources, guide those forsake religion somehow could not completely align resources. We need a “Clive Lloyd”, who can get the ourselves to the religion. best out of “Roy Frederick's”, “Gordon Greenidge”, And a few of us just follow it because it is there without “Vivian Richards”, “Alvin Kallicharran” and “Andy understanding the science and the depth of the whole Roberts”, “Malcolm Marshall”, we need a “Clive thing. I really believe, science to me is like a Lloyd”, we need a “Mahindra Singh Dhoni”, who is extraordinary resource, but I don't think leadership of able to get the best out of some of those resources, and the world can be handed over to science. Science by I really think that leadership role has to come from itself in trying to lead the world has caused the amount spirituality and if that leadership role has to come from of devastation that has happened to the world. So, I spirituality, that leadership role has to come from don't think science is capable of being a leader, but an India. It cannot come from anywhere else. It has to extraordinary resource. Technology, I don't think come from India. If we need a new world, all the technology can be leadership. resources have to be led by spirituality. If leadership has to be spirituality, leadership has to come from Because technology is a means, it can enhance what India, and if leadership has to come from India, it has is there, but it cannot lead the world. In its attempt to to come from us. We go to lead. It has to come from us. lead the world, an enormous amount of disintegration and destruction has happened to the world. Economy Kilambi Badrinath cannot lead the world. Somehow the mind of a man DGM: HO: IT that thinks when it has ten rupees does not think the

28 HAMARA PRAYAS - SPECIAL ISSUE 2021 A man of little learning and little understanding is ever eager to teach– Ramesh Kumar Bung. 29

The announcement covers 98.3% of all deposit DEPOSITORS TO GET accounts and 50.9 per cent of the deposit value, Finance Minister said. Depositors to get up to Rs 5 UP TO RS 5 LAKH lakh within 90 days if bank under moratorium. The THESE ARE THE COUNTRIES WHERE Union Cabinet has cleared the Deposit Insurance and Credit Guarantee Corporation (DICGC) Bill, WITHIN 90 DAYS THE INDIAN RUPEE IS STRONGER 2021, which will allow depositors to withdraw up to Rs 5 lakh in 90 days. This compares with the global IF BANK UNDER deposit insurance coverage of 80 per cent of all Though a fairly strong currency in its own right, the Nepal: Welcome to the landlocked nation that's accounts and 20-30 per cent of the deposit value. Indian rupee can make you feel tad bit poor when home to Mount Everest, the Hippie Trail and all that MORATORIUM you're travelling to the US, Europe and other is cool about this subcontinent. Nepal, whose “Even if there is a moratorium on a bank...this developed countries. We know that feeling of having currency is weaker than India's even accepts Indian measure will set in,” FM said. In the first 45 days, to convert euros, dollars and pounds into rupees as debit and credit cards. And you don't need a passport after the bank is placed under moratorium by the (DIF), used for the settlement of claims of we fork out for a meal or a soft drink. But there are to enter! Did we mention that one Indian rupee is Reserve Bank of India (RBI), the lender will collect all depositors of banks under liquidation, some countries where the Indian rupee is stronger equal to 1.60 Nepalese rupees? depositor claims and submit it to DICGC. The reconstruction and amalgamation, stood at than the local currency. These are the countries Iceland: The stunning nation that's home to corporation will process the claims in real time. Rs 1,10,380 crore as on March 31, 2020, as against where the Indian Rupee is stronger Northern Lights, black sand beaches, blue lagoons, Within 90 days, the process will be completed, even Rs 93,750 crore as on March 31, 2019. The DIF is To be clear, just because the Indian rupee is stronger and waterfalls was also the epicentre of the 2008 when the bank resolution is ongoing. “This will be built out of the premium paid by insured banks and in these countries, doesn't mean it goes farther like financial meltdown. Its recovery has been somewhat the biggest relief we can offer to small depositors, the coupon income received on investments in the way the dollar, euro, or pound does in India. The erratic over the last decade but at the moment one nearly covering 98.3 per cent depositors,” she said. standard of living in some of these countries is much Indian rupee is equal to 1.66 Icelandic Krona. central government securities. higher than in India and so even if you land there Paraguay: Paraguay is another country where the The DICGC Bill, 2021, will cover banks that have DICGC collects insurance premiums from the with Indian rupees, chances are you will end up Indian rupee is stronger than the local currency. The been already placed under moratorium, and will insured banks for administration of the deposit spending much more than you would in India. For South American nation's currency is called Guarani insure savings deposits, fixed deposits, current and insurance system. The premiums to be paid by the instance, South Korea, whose won is cheaper than and one Indian rupee is equal to a little over 91 recurring deposits. Satish Marathe, director on the insured banks are computed on the basis of their the Indian rupee, as a country it has a higher Paraguayan Guarani. RBI board, said this would address the woes of assessable deposits. The Insured banks pay standard of living. So you'd end up spending a base Laos depositors who were not able to get their funds due : We end this list with Laos whose Laotian Kip is advance insurance premiums to the corporation fare of, say, Rs 200 for a cab, a service that would to problems of banks. Another likely fallout will be significantly weaker than the Indian rupee. One semi-annually within two months from the cost you maybe Rs 20 or Rs 30, here in India. Even Indian rupee is equal to 127 Laotian Kip. that the revival of banks facing problems will become beginning of each financial half year, based on their so, here are the countries where the Indian rupee is difficult as they will have to return money to the P. Sai Deepthi deposits as at the end of previous half year. The stronger. depositors. DICGC has paid most of the claims to Indonesia HO: Forex premiums paid by the insured banks to the : One Indian rupee is equal to about 198 customers of cooperative banks. There may be some Indonesian Rupiah. The country is home to several burden on the corporation in the form of higher Corporation are required to be borne by the banks islands, clear waters and tropical climate. It is also outgo, but it would not adversely impact financial themselves and are not passed on to the depositors. home to Bali, that tropical paradise you'd rather be profile, analysts said. “Although the change will For delay in payment of premium, the bank is liable at than staring into your neighbour's home as you cover 98.3 per cent accounts, there is certainly scope to pay interest at the rate of 8 per cent above the WFH. for raising the limit further since the middle-income Bank Rate on the default amount from the Vietnam: Obama went there. Anthony Bourdain depositors may still not get full benefit in the case of a beginning of the relevant half-year till the date of went there. And the two of them even had a meal! If failure of a bank, and one may need to rely upon a payment. it's good for Obama and Bourdain, surely Vietnam is merger with another bank as a bailout to take care of good enough for you? Oh, one Indian rupee is equal The disease of trying to please customers' money,” said Jyoti Prakash Gadia, to 310 Vietnamese Dong everyone will eat you up. It is managing director, Resurgent India. Cambodia: Who hasn't dreamt of exploring Angkor better to earn a bad name and Wat after watching Angelina Jolie in Tomb Raider? live a good life than to earn a As the government had increased the deposit Cambodia's popularity has been increasing over the good name and live a bad life. insurance cover for bank customers from Rs 1 lakh to Taking standpoints is the last several years among Indian tourists. It helps that Rs 5 lakh last year, lenders have been paying a only way for peaceful one Indian rupee is equal to about 54 Cambodian Ramesh Kumar Bung premium of 12 paise per Rs 100 deposit since April success in life. Riel 2020, as compared to 10 paise earlier. The law has a Sri Lanka : Yet another country that has begun to provision that the premium will not be hiked beyond Umesh Chand Asawa rank fairly high on the list of Indian tourists is Sri 15 paise per Rs 100 deposit. There will be enabling Lanka. India's next-door neighbour also happens to provision to increase this cap in future, which will be have a weaker currency than our own. One Indian determined by the government in consultation with rupee is equal to about 2.68 Sri Lankan rupees. the RBI. At present, the amount in Deposit Insurance Fund

30 All weaknesses, pain, grief are due to ignorance– Ramesh Kumar Bung. Control and conserve energy through silence– Ramesh Kumar Bung. 31

30 All weaknesses, pain, grief are due to ignorance– Ramesh Kumar Bung. Control and conserve energy through silence– Ramesh Kumar Bung. 31 by a young brahmin who in fact was Arjuna in Dilip Kumar, India's enduring film VETERAN ACTOR scandal subsided, the thespian disguise. After their assassination attempt, Arjuna legend through the decades, died never brought up that interview and the Pandavas had gone into hiding letting the at a Mumbai hospital on 7th July, with me. Holding grudges wasn't world believe that they were dead. The entire 2021 after a prolonged illness, his DILIP KUMAR his credo. A few years later, when I assembly rose up in offence that the hand of a family and doctors treating him requested him to accept the princess was won by a brahmin. Still in disguise, said. He was 98. The actor, known PASSES AWAY AT 98 Filmfare Achievement Award Arjuna and Bhima defend themselves and Draupadi to generations of film-goers as AFTER PROLONGED which he had been refusing, he and make their way out of the palace. 'tragedy king' for his portrayal of the nodded, “Yes, count me in. I had As Arjuna arrives at the hut where they were staying, brooding, intense romantic in ILLNESS some issues with one of the earlier he asking his mother to come out to see what he'd classics such as 'Mughal-e-Azam' editors of Filmfare. Since you're 'found'. Still inside the hut, Kunti unthinkingly asks and 'Devdas', had been admitted to asking, I would be privileged to Arjuna to share whatever it was that he'd found with the Hinduja Hospital, a non- accept the award.” I was over the his brothers. Yudhishthira rationalists this by pointing COVID-19 facility in Khar, since moon and stars. out that a woman so beautiful would drive a wedge last week. An Ode to Dilip Kumar's Another topic which he was chary between the five of them. And so, in order to follow Legacy: How all of us yearn for one of discussing were the political HOW DID THE his mother's orders and brother's suggestion, Arjuna more, just one last look, a lasting rubber bullets fired at him in the MARRIAGE BETWEEN agrees for Draupadi to be married to all five of them. glimpse of the most sovereign of form of the draconian censorship This then brings them to the question of how such an them all. on his film Ganga Jumna – deletion DRAUPADI AND unusual marriage would work. So they agree that Dilip Kumar's family of fruit o f s c e n e s s h o w i n g d a c o i t s Draupadi would be with each of them for a year and merchants in Mumbai's Crawford encircling a train and the use of THE during this time no one but the one brother to whom Market had witnessed a down “Hey Ram” at the end – was 5 PANDAVA she was married would lust after her. It was also curve. As a 17-year-old, he averted only through legal action. decided that no brother but the one to whom she was manned a sandwich stall in Pune's The Padma Bhushan awardee was BROTHERS WORK? married would ever enter her chambers during that hoity-toity Willingdon club. The at one stage even accused of being year. That is how Draupadi's marriage to the five British ladies affectionately named a Pakistani spy by the Kolkata brothers worked for their entire lifetime and she bore him 'Chico', a nickname which was police, followed by a raid at his Polyandry is not very common in Sanskrit literature. them a son each. picked up by his wife Saira later. house. The actor took the calumny While it was common for a man to have multiple What's in a name, you might ask. Or more precisely, stoically as he did the periodic salvos fired upon him wives, a woman having multiple husbands was rare. Purshotamdas Mandhana why did Yusuf Khan opt for a screen name at a time by Shiv Sena leader Bal Thackeray, who insisted that The Mahabharata remains a rare exception in this when a Muslim name was considered anathema? he return the Nishan-e-Imtiaz, the highest civilian matter. The birth of Draupadi can be traced back to “Dilip Kumar sounded simple, compared to the honour of Pakistan. It hardly mattered that he had her father Drupada's defeat at the hands of his future other option – Jehangir,” he would explain patiently. brokered peace with Pakistan, without claiming son-in-law, Arjuna who was tasked by his teacher credit for it. Years later, the former Pakistani foreign Drona to humiliate him. Following the defeat, If he could be the unrequited lover, he could invest a minister Khurshid Mahmud Kasuri revealed that the Drupada performed a sacrifice to obtain a blessing puckish boyishness to the impersonations of actor had played a crucial role in convincing the then so he could seek revenge. From the fire emerged Kohinoor, Ram aur Shyam, Gopi and Sagina. Prime Minister of Pakistan, Nawaz Sharif, to end the Dhrishtadyumna, a strapping young warrior and Moreover, he had jigged expertly for the 'Nain lad Kargil war in 1999 – with just a phone call. Draupadi, a woman so beautiful that the reputation Keep giving and it keeps gaye ho...' set piece in Ganga Jumna, which apart of her beauty preceded her. It is said that Draupadi flowing. Keep holding and it from outbursts of levity, was marked by astounding That he couldn't complete his first film, Kalinga, as a was the most beautiful woman of the age, one with a stops coming. To those who intensity. It would be an exercise in futility to laundry director, following differences with its producer, dark complexion, curly hair and her body emanated give, most and more will be list his oeuvre of unblemished portrayals, which were rankled. He'd shoo off the unpleasant experience the fragrance of a blue lotus. g i v e n . S o , g o i n t o a n y as inimitable as a fingerprint. Relentlessly he was with a, “That janaab and I – kya kehte hain? – weren't imitated but never equalled by the superstars to on the same wavelength.” The last glimpse of Dilip Drupada's intention was to marry Draupadi off to relationship looking at what you come, not by a long shot. As the police officer of Kumar – aka Mohammed Yusuf Khan – on his Arjuna but on hearing of his death in the palace fire, can give than what you can Shakti, concerned about his renegade son played by sickbed at his Pali Hill home, was of a monumental he decides to hold a swayamvara or a competition. receive. Amitabh Bachchan, that counterpoint between the actor and gentleman. There was a glow, a 'noor', a To win Draupadi's hand, the men had to lift and Ramesh Kumar Bung two actors, is a master class of film acting. The aim telegraphed smile from the thespian who had made string a bow and fire an arrow to pierce the eye of a was to be in sync rather than any kind of one- us cry, laugh, and identify with his euphoric and golden fish by only looking at its reflection in the upmanship. dismal stretches. water. Several princes participated in the challenge but no one could lift the bow let alone string it or fire A buzz still lingers, though, that a scene-stealing To the last, he carried a heft of charm which had once an arrow. It is believed that when Karna rose up to punchline by Bachchan was edited out. Just one of dizzied the police commissioner's besotted daughters the challenge, he was shot down since he was a low- the rumours fanned, perhaps, to suggest unhealthy on the dance floor. For Yusuf Khan, Dilip Kumar born. At the end, though, the task was accomplished rivalry. On being prodded, Dilip Kumar had replied there can never be a last waltz. And you're left sharply, “It's below my dignity to even think of yearning, as tears flood, for just one more look, just subverting a fellow actor.” Subsequently when the one.

32 Understand the nature and power of thought– Ramesh Kumar Bung. Love man who dislikes you– Ramesh Kumar Bung. 33 by a young brahmin who in fact was Arjuna in Dilip Kumar, India's enduring film VETERAN ACTOR scandal subsided, the thespian disguise. After their assassination attempt, Arjuna legend through the decades, died never brought up that interview and the Pandavas had gone into hiding letting the at a Mumbai hospital on 7th July, with me. Holding grudges wasn't world believe that they were dead. The entire 2021 after a prolonged illness, his DILIP KUMAR his credo. A few years later, when I assembly rose up in offence that the hand of a family and doctors treating him requested him to accept the princess was won by a brahmin. Still in disguise, said. He was 98. The actor, known PASSES AWAY AT 98 Filmfare Achievement Award Arjuna and Bhima defend themselves and Draupadi to generations of film-goers as AFTER PROLONGED which he had been refusing, he and make their way out of the palace. 'tragedy king' for his portrayal of the nodded, “Yes, count me in. I had As Arjuna arrives at the hut where they were staying, brooding, intense romantic in ILLNESS some issues with one of the earlier he asking his mother to come out to see what he'd classics such as 'Mughal-e-Azam' editors of Filmfare. Since you're 'found'. Still inside the hut, Kunti unthinkingly asks and 'Devdas', had been admitted to asking, I would be privileged to Arjuna to share whatever it was that he'd found with the Hinduja Hospital, a non- accept the award.” I was over the his brothers. Yudhishthira rationalists this by pointing COVID-19 facility in Khar, since moon and stars. out that a woman so beautiful would drive a wedge last week. An Ode to Dilip Kumar's Another topic which he was chary between the five of them. And so, in order to follow Legacy: How all of us yearn for one of discussing were the political HOW DID THE his mother's orders and brother's suggestion, Arjuna more, just one last look, a lasting rubber bullets fired at him in the MARRIAGE BETWEEN agrees for Draupadi to be married to all five of them. glimpse of the most sovereign of form of the draconian censorship This then brings them to the question of how such an them all. on his film Ganga Jumna – deletion DRAUPADI AND unusual marriage would work. So they agree that Dilip Kumar's family of fruit o f s c e n e s s h o w i n g d a c o i t s Draupadi would be with each of them for a year and merchants in Mumbai's Crawford encircling a train and the use of THE during this time no one but the one brother to whom Market had witnessed a down “Hey Ram” at the end – was 5 PANDAVA she was married would lust after her. It was also curve. As a 17-year-old, he averted only through legal action. decided that no brother but the one to whom she was manned a sandwich stall in Pune's The Padma Bhushan awardee was BROTHERS WORK? married would ever enter her chambers during that hoity-toity Willingdon club. The at one stage even accused of being year. That is how Draupadi's marriage to the five British ladies affectionately named a Pakistani spy by the Kolkata brothers worked for their entire lifetime and she bore him 'Chico', a nickname which was police, followed by a raid at his Polyandry is not very common in Sanskrit literature. them a son each. picked up by his wife Saira later. house. The actor took the calumny While it was common for a man to have multiple What's in a name, you might ask. Or more precisely, stoically as he did the periodic salvos fired upon him wives, a woman having multiple husbands was rare. Purshotamdas Mandhana why did Yusuf Khan opt for a screen name at a time by Shiv Sena leader Bal Thackeray, who insisted that The Mahabharata remains a rare exception in this when a Muslim name was considered anathema? he return the Nishan-e-Imtiaz, the highest civilian matter. The birth of Draupadi can be traced back to “Dilip Kumar sounded simple, compared to the honour of Pakistan. It hardly mattered that he had her father Drupada's defeat at the hands of his future other option – Jehangir,” he would explain patiently. brokered peace with Pakistan, without claiming son-in-law, Arjuna who was tasked by his teacher credit for it. Years later, the former Pakistani foreign Drona to humiliate him. Following the defeat, If he could be the unrequited lover, he could invest a minister Khurshid Mahmud Kasuri revealed that the Drupada performed a sacrifice to obtain a blessing puckish boyishness to the impersonations of actor had played a crucial role in convincing the then so he could seek revenge. From the fire emerged Kohinoor, Ram aur Shyam, Gopi and Sagina. Prime Minister of Pakistan, Nawaz Sharif, to end the Dhrishtadyumna, a strapping young warrior and Moreover, he had jigged expertly for the 'Nain lad Kargil war in 1999 – with just a phone call. Draupadi, a woman so beautiful that the reputation Keep giving and it keeps gaye ho...' set piece in Ganga Jumna, which apart of her beauty preceded her. It is said that Draupadi flowing. Keep holding and it from outbursts of levity, was marked by astounding That he couldn't complete his first film, Kalinga, as a was the most beautiful woman of the age, one with a stops coming. To those who intensity. It would be an exercise in futility to laundry director, following differences with its producer, dark complexion, curly hair and her body emanated give, most and more will be list his oeuvre of unblemished portrayals, which were rankled. He'd shoo off the unpleasant experience the fragrance of a blue lotus. g i v e n . S o , g o i n t o a n y as inimitable as a fingerprint. Relentlessly he was with a, “That janaab and I – kya kehte hain? – weren't imitated but never equalled by the superstars to on the same wavelength.” The last glimpse of Dilip Drupada's intention was to marry Draupadi off to relationship looking at what you come, not by a long shot. As the police officer of Kumar – aka Mohammed Yusuf Khan – on his Arjuna but on hearing of his death in the palace fire, can give than what you can Shakti, concerned about his renegade son played by sickbed at his Pali Hill home, was of a monumental he decides to hold a swayamvara or a competition. receive. Amitabh Bachchan, that counterpoint between the actor and gentleman. There was a glow, a 'noor', a To win Draupadi's hand, the men had to lift and Ramesh Kumar Bung two actors, is a master class of film acting. The aim telegraphed smile from the thespian who had made string a bow and fire an arrow to pierce the eye of a was to be in sync rather than any kind of one- us cry, laugh, and identify with his euphoric and golden fish by only looking at its reflection in the upmanship. dismal stretches. water. Several princes participated in the challenge but no one could lift the bow let alone string it or fire A buzz still lingers, though, that a scene-stealing To the last, he carried a heft of charm which had once an arrow. It is believed that when Karna rose up to punchline by Bachchan was edited out. Just one of dizzied the police commissioner's besotted daughters the challenge, he was shot down since he was a low- the rumours fanned, perhaps, to suggest unhealthy on the dance floor. For Yusuf Khan, Dilip Kumar born. At the end, though, the task was accomplished rivalry. On being prodded, Dilip Kumar had replied there can never be a last waltz. And you're left sharply, “It's below my dignity to even think of yearning, as tears flood, for just one more look, just subverting a fellow actor.” Subsequently when the one.

32 Understand the nature and power of thought– Ramesh Kumar Bung. Love man who dislikes you– Ramesh Kumar Bung. 33 If SARS-CoV-2 grabbed the headlines in 2020, 2021 has been about the emerging variants of the ancestral virus, first KAPPA OR LAMBDA: reported from Wuhan, China, on December 31, 2019. The Delta variant of SARS-CoV-2 had become a household DON'T FEAR name in India after the ferocious second wave. Then, Delta Plus created a few ripples and some panic before experts THE GREEK ALPHABETS, clarified that there is no reason to worry additionally about TOP 10 ACTIVE BOWLERS WITH MOST Delta Plus. Then, over the last few weeks, we have been hearing about Kappa, another variant of SARS-CoV-2 being FOLLOW COVID NORMS WICKETS IN TEST CRICKET detected in one of the Indian states, and Lambda, yet another variant designated as a Variant of Interest (VOI) by & GET VACCINATED the World Health Organization. It is natural to get worried Bowling has always been a tough job in Test cricket, but register the historic maiden series win in Australia. Ishant's after such news. But let us understand what variants are and remains the key to winning Tests as doesn't matter how many sum of 303 wickets is only second for Indian pacers – know more about Kappa and Lambda. And, then decide if runs a team puts on the board, it eventually comes down to following Zaheer Khan (311) and Kapil Dev (434). we should worry. now known as Kappa while B.1.617.2 is known as the Delta taking 20 wickets with the ball to emerge as the victors. The 5. Nathan Lyon-399 What is a Variant?: Viruses keep changing over time and this variant. The Delta variant is responsible for the emergence of : Snaring 399 scalps in 100 Tests, the second wave in India; it has been found in nearly 100 game has seen some great bowlers, from the wizardry and Nathan Lyon is Australia's third-leading wicket-taker ever – is applicable for SARS-CoV-2 too. As part of routine guile of Muttiah Muralitharan and Shane Warne to the pace replication process in any virus, some changes in the genetic countries and is a global VOC. The third sub-lineage, only Glenn McGrath (563) and Shane Warne (708) are B.1.617.3, has not been identified either a VOI or a VOC. and accuracy of Courtney Walsh and Glenn McGrath, win ahead of him – and hence is regarded as their greatest off- sequence happen, and these changes are known as In simple terms, Kappa is a sibling of Delta. However, as in a them games for their respective countries. The legendary Sri spinner. 200 of those 399 wickets have come in Australia, a mutations. Most of these mutations are not relevant and do family, siblings could be very different from each other, and Lankan spinner remains the leading wicket-taker in Test country known to produce pace-friendly tracks, making not alter the characteristics or properties of the virus. that exactly is the case with Kappa and Delta. While Delta cricket, with 800 scalps to his name, still a decade after his Lyon's effort applaudable. However, of the many such mutations, a few may affect the retirement. Here we look at the Top 10 Active Bowlers with virus's ability (a) to spread or transmit; (b) to cause severe variant has higher transmissibility, documented immune 4. Ravichandran Ashwin-409: Ravichandran Ashwin is a Most Wickets in Test Cricket: disease; or (c) its performance against vaccines, therapies, escape and breakthrough infections, none of these shrewd bowler, an earnest learner, and a hard-working properties have been documented for the Kappa variant, so 10. Yasir Shah – 235: The leg-spinner from Pakistan has diagnostic tools, and other public health and social cricketer. With his craft and guile, he has foxed batters 409 far. Kappa variant is not a major concern as of now. taken 235 wickets in 45 Tests at an average of 30.83. 16 times measures. If any such mutation happens in SARS-CoV-2 times in 78 Tests. An average of 24.69 indicates his consistent What is the Lambda Variant?: Lambda variant (C.37) is in he has registered a five-wicket haul and thrice 10-wicket with properties that are under investigation and not yet dominance for a decade. He is expected to surpass the news because it is the seventh and the latest VOI to get match hauls. Yasir Shah is Pakistan's current premier spinner scientifically proven, they are called Variants of Interest or Harbhajan Singh (417) soon; other Indians ahead of them designated by the WHO on June 14, 2021. However, since in Test cricket; he is their third-highest wicket-taker amongst VOI; and when the properties are proven, they are termed are Kapil Dev (434), and Anil Kumble (619). three erstwhile VOIs have been downgraded, Lambda is spinner – just 1 wicket behind Abdul Qadir, and 26 away Variants of Concern (VOC). 3. Harbhajan Singh-417 among four current Variants of Interest. The variant was first from Danish Kaneria. It's commendable that Shah has taken : Harbhajan Singh last played In late 2020, a few mutations in the SARS-CoV-2 were reported from Peru, possibly as early as December 2020. At most of these wickets on non-turning pitches – of the UAE, Test cricket for India in 2015; since he hasn't announced any reported from different countries, which had the ability to present, it is the most dominant variant in Peru (around 80 and other overseas countries. official retirement, he's counted as an active cricketer. The change the properties of the ancestral virus. These variants off-spinner is one of those few players remaining who posed some level of increased risk at a global level. Over a per cent of all cases in the country) and Chile and is widely 9. Mitchell Starc-255: When on song Mitchell Starc is one commenced their careers in the previous century – 1998 in period of time, the SARS-CoV-2 variants have been labelled circulating in South America. By June 2021, it had been of the most lethal bowlers in world cricket. In conditions with his case – and still are around. With his mastery over off-spin, VOIs and VOCs. Globally, the World Health Organization reported in around 25 countries, including in the UK, France, even little help, the left-hander is capable of demolishing Harbhajan has taken 417 Test scalps in 103 Tests. He was (WHO) classifies the potential VOIs or VOCs and assesses Germany, Italy and Australia. However, the number of batting line-ups on his own, be it with the new or the old ball. sidelined due to his waning powers and the emergence of R them based on the risk posed to global public health. COVID cases as a result of this variant outside South America His 255 wickets came in 61 Tests, 27.57 apiece, with 13 five- Ashwin and Ravindra Jadeja. The 40-year old continues to There are established scientific nomenclature systems for remains small. No case of Lambda variant has yet been fors and as many four-fours. His pairing with Pat Cummins play in the IPL though. reported from India or neighbouring countries. and Josh Hazlewood has made them a fearsome trio in Test naming and tracking variants. However, in public discourse, 2. Stuart Broad-517: Stuart Broad has remained under these variants were initially being referred to using the name What Does It All Mean for You and I?: The designation of cricket; Starc remains Australia's go-to weapon across a variant as VOI or VOC is an important part of the global formats. the shadow of James Anderson for a major portion of his of the country from where they were first reported. In late career. Although he is the second-highest wicket-taker for May 2021, WHO-led group suggested easy-to-pronounce response to the pandemic. However, no matter which 8. Trent Boult-281 : One of the finest new-ball bowlers England with 517 wickets, he remains the second-highest and non-stigmatizing labels for these variants, using Greek variant it is, there is no change in the recommended New Zealand has ever produced, Trent Boult has 281 wickets wicket-taker in the current England team as well – behind alphabets. This process of designating a variant VOI or VOC measures to prevent SARS-CoV-2. Most of the currently in his bag from 71 Tests at an average of 28.02, with 8 five- Anderson. Nonetheless, Broad has had his moments to is dynamic and based on continuous risk assessment. A licensed vaccines are effective against these variants. wicket hauls included. The duo of Boult and Tim Southee is reflect on, he is only the second bowler from England – of variant can be upgraded or downgraded to different Therefore, it is important we get vaccinated. Kappa is not arguably the best new-ball bowling pair in the world. The left- course after Anderson – to cross 500 Test wickets landmark. categories based on most recent evidence and risk a cause of immediate concern and there has not been any hander also is adept at generating reverse swing when the Averaging 27.71, Broad has taken 18 five-fors in his 517 assessment. At present, there are four VOCs and four VOIs at documented change in the properties of virus; therefore, ball is old. He continues to be Kane Williamson's potent scalps from 146 Tests. He has only got better in recent years – global level. Three former VOIs have been downgraded to you don't need to panic. Lambda variant has not been threat in the powerplay in white-ball cricket too. in 2020 the pacer picked 38 wickets at 14.76 apiece. the group 'Alert for further monitoring'. (Table 1). In addition reported from India; however, Indian government should 7. Tim Southee-302 : With 302 wickets to his name, Tim 1. James Anderson-614: James Anderson is the all-time to WHO, a national government can also designate the keep an eye out by stepping up genomic sequencing. variants of local interest/concern, for the country. India, for Southee is the leading wicket-taker active Kiwi bowler. Those leading wicket-taker amongst fast bowlers, as 614 times Epidemiologically, there is a real possibility of a third wickets have come in 77 Tests at 28.70 each. Overall instance, named Delta Plus a Variant of Concern; however, batters have fallen prey to the legendary seamer. Having wave in India and it is possible that if a new variant Southee has the third-highest tally of Test scalps amongst made his debut way back in 2003, James Anderson has at the global level, it is not considered a separate variant. New Zealand bowlers – behind Daniel Vettori (361) and Sir What is the Kappa Variant?: Kappa is not a new variant and emerges, the third wave could arrive early. At the citizen unlocked a new mode in the past few years – since 2014, he level, we must keep following COVID- appropriate Richard Hadlee (431). Like Boult, Southee is also a averages 21.32 with the ball. He has aged like a fine wine – is already designated a Variant of Interest since April 2021. predominantly new ball wicket-taker, but can eke out batters However, it was back in the news in the second week of July, behaviour, which includes wearing face mask, since the start of 2020, Anderson's average is 17.40! He is maintaining physical distancing, washing hands and with the older ball as well. currently the third-leading wicket-taker behind Muralitharan, when two cases were reported from the genomic sequencing getting vaccinated. That's how we fight the virus and 6. Ishant Sharma-303: Ishant Sharma's 101-Test career Warne, and Kumble, and has a claim to be recognized as the data of an Indian state. Kappa is a sub-lineage of B.1.617 can be separated into two parts: pre- and post-2018. Making greatest Test seamer in the game having taken wickets and variant, first reported from Maharashtra, India, in October reduce the impact of any subsequent wave, as and when his debut in 2007, Sharma averaged 34.28 taking 267 won matches all around the world. 2020. This variant was subsequently identified as a triple that happens. mutant by the Indian government in late March 2021, as it wickets till 2018. Since the start of that year, he has taken 77 G. Amarnath scalps at an outstanding average of 19.72, also helping India had three mutations of interest. The sub-lineage B.1.617.1 is HO: Estates

34 A calm, peaceful man is a power himself– Ramesh Kumar Bung. Money wasted can be restored, but time wasted is lost forever– Ramesh Kumar Bung. 35 If SARS-CoV-2 grabbed the headlines in 2020, 2021 has been about the emerging variants of the ancestral virus, first KAPPA OR LAMBDA: reported from Wuhan, China, on December 31, 2019. The Delta variant of SARS-CoV-2 had become a household DON'T FEAR name in India after the ferocious second wave. Then, Delta Plus created a few ripples and some panic before experts THE GREEK ALPHABETS, clarified that there is no reason to worry additionally about TOP 10 ACTIVE BOWLERS WITH MOST Delta Plus. Then, over the last few weeks, we have been hearing about Kappa, another variant of SARS-CoV-2 being FOLLOW COVID NORMS WICKETS IN TEST CRICKET detected in one of the Indian states, and Lambda, yet another variant designated as a Variant of Interest (VOI) by & GET VACCINATED the World Health Organization. It is natural to get worried Bowling has always been a tough job in Test cricket, but register the historic maiden series win in Australia. Ishant's after such news. But let us understand what variants are and remains the key to winning Tests as doesn't matter how many sum of 303 wickets is only second for Indian pacers – know more about Kappa and Lambda. And, then decide if runs a team puts on the board, it eventually comes down to following Zaheer Khan (311) and Kapil Dev (434). we should worry. now known as Kappa while B.1.617.2 is known as the Delta taking 20 wickets with the ball to emerge as the victors. The 5. Nathan Lyon-399 What is a Variant?: Viruses keep changing over time and this variant. The Delta variant is responsible for the emergence of : Snaring 399 scalps in 100 Tests, the second wave in India; it has been found in nearly 100 game has seen some great bowlers, from the wizardry and Nathan Lyon is Australia's third-leading wicket-taker ever – is applicable for SARS-CoV-2 too. As part of routine guile of Muttiah Muralitharan and Shane Warne to the pace replication process in any virus, some changes in the genetic countries and is a global VOC. The third sub-lineage, only Glenn McGrath (563) and Shane Warne (708) are B.1.617.3, has not been identified either a VOI or a VOC. and accuracy of Courtney Walsh and Glenn McGrath, win ahead of him – and hence is regarded as their greatest off- sequence happen, and these changes are known as In simple terms, Kappa is a sibling of Delta. However, as in a them games for their respective countries. The legendary Sri spinner. 200 of those 399 wickets have come in Australia, a mutations. Most of these mutations are not relevant and do family, siblings could be very different from each other, and Lankan spinner remains the leading wicket-taker in Test country known to produce pace-friendly tracks, making not alter the characteristics or properties of the virus. that exactly is the case with Kappa and Delta. While Delta cricket, with 800 scalps to his name, still a decade after his Lyon's effort applaudable. However, of the many such mutations, a few may affect the retirement. Here we look at the Top 10 Active Bowlers with virus's ability (a) to spread or transmit; (b) to cause severe variant has higher transmissibility, documented immune 4. Ravichandran Ashwin-409: Ravichandran Ashwin is a Most Wickets in Test Cricket: disease; or (c) its performance against vaccines, therapies, escape and breakthrough infections, none of these shrewd bowler, an earnest learner, and a hard-working properties have been documented for the Kappa variant, so 10. Yasir Shah – 235: The leg-spinner from Pakistan has diagnostic tools, and other public health and social cricketer. With his craft and guile, he has foxed batters 409 far. Kappa variant is not a major concern as of now. taken 235 wickets in 45 Tests at an average of 30.83. 16 times measures. If any such mutation happens in SARS-CoV-2 times in 78 Tests. An average of 24.69 indicates his consistent What is the Lambda Variant?: Lambda variant (C.37) is in he has registered a five-wicket haul and thrice 10-wicket with properties that are under investigation and not yet dominance for a decade. He is expected to surpass the news because it is the seventh and the latest VOI to get match hauls. Yasir Shah is Pakistan's current premier spinner scientifically proven, they are called Variants of Interest or Harbhajan Singh (417) soon; other Indians ahead of them designated by the WHO on June 14, 2021. However, since in Test cricket; he is their third-highest wicket-taker amongst VOI; and when the properties are proven, they are termed are Kapil Dev (434), and Anil Kumble (619). three erstwhile VOIs have been downgraded, Lambda is spinner – just 1 wicket behind Abdul Qadir, and 26 away Variants of Concern (VOC). 3. Harbhajan Singh-417 among four current Variants of Interest. The variant was first from Danish Kaneria. It's commendable that Shah has taken : Harbhajan Singh last played In late 2020, a few mutations in the SARS-CoV-2 were reported from Peru, possibly as early as December 2020. At most of these wickets on non-turning pitches – of the UAE, Test cricket for India in 2015; since he hasn't announced any reported from different countries, which had the ability to present, it is the most dominant variant in Peru (around 80 and other overseas countries. official retirement, he's counted as an active cricketer. The change the properties of the ancestral virus. These variants off-spinner is one of those few players remaining who posed some level of increased risk at a global level. Over a per cent of all cases in the country) and Chile and is widely 9. Mitchell Starc-255: When on song Mitchell Starc is one commenced their careers in the previous century – 1998 in period of time, the SARS-CoV-2 variants have been labelled circulating in South America. By June 2021, it had been of the most lethal bowlers in world cricket. In conditions with his case – and still are around. With his mastery over off-spin, VOIs and VOCs. Globally, the World Health Organization reported in around 25 countries, including in the UK, France, even little help, the left-hander is capable of demolishing Harbhajan has taken 417 Test scalps in 103 Tests. He was (WHO) classifies the potential VOIs or VOCs and assesses Germany, Italy and Australia. However, the number of batting line-ups on his own, be it with the new or the old ball. sidelined due to his waning powers and the emergence of R them based on the risk posed to global public health. COVID cases as a result of this variant outside South America His 255 wickets came in 61 Tests, 27.57 apiece, with 13 five- Ashwin and Ravindra Jadeja. The 40-year old continues to There are established scientific nomenclature systems for remains small. No case of Lambda variant has yet been fors and as many four-fours. His pairing with Pat Cummins play in the IPL though. reported from India or neighbouring countries. and Josh Hazlewood has made them a fearsome trio in Test naming and tracking variants. However, in public discourse, 2. Stuart Broad-517: Stuart Broad has remained under these variants were initially being referred to using the name What Does It All Mean for You and I?: The designation of cricket; Starc remains Australia's go-to weapon across a variant as VOI or VOC is an important part of the global formats. the shadow of James Anderson for a major portion of his of the country from where they were first reported. In late career. Although he is the second-highest wicket-taker for May 2021, WHO-led group suggested easy-to-pronounce response to the pandemic. However, no matter which 8. Trent Boult-281 : One of the finest new-ball bowlers England with 517 wickets, he remains the second-highest and non-stigmatizing labels for these variants, using Greek variant it is, there is no change in the recommended New Zealand has ever produced, Trent Boult has 281 wickets wicket-taker in the current England team as well – behind alphabets. This process of designating a variant VOI or VOC measures to prevent SARS-CoV-2. Most of the currently in his bag from 71 Tests at an average of 28.02, with 8 five- Anderson. Nonetheless, Broad has had his moments to is dynamic and based on continuous risk assessment. A licensed vaccines are effective against these variants. wicket hauls included. The duo of Boult and Tim Southee is reflect on, he is only the second bowler from England – of variant can be upgraded or downgraded to different Therefore, it is important we get vaccinated. Kappa is not arguably the best new-ball bowling pair in the world. The left- course after Anderson – to cross 500 Test wickets landmark. categories based on most recent evidence and risk a cause of immediate concern and there has not been any hander also is adept at generating reverse swing when the Averaging 27.71, Broad has taken 18 five-fors in his 517 assessment. At present, there are four VOCs and four VOIs at documented change in the properties of virus; therefore, ball is old. He continues to be Kane Williamson's potent scalps from 146 Tests. He has only got better in recent years – global level. Three former VOIs have been downgraded to you don't need to panic. Lambda variant has not been threat in the powerplay in white-ball cricket too. in 2020 the pacer picked 38 wickets at 14.76 apiece. the group 'Alert for further monitoring'. (Table 1). In addition reported from India; however, Indian government should 7. Tim Southee-302 : With 302 wickets to his name, Tim 1. James Anderson-614: James Anderson is the all-time to WHO, a national government can also designate the keep an eye out by stepping up genomic sequencing. variants of local interest/concern, for the country. India, for Southee is the leading wicket-taker active Kiwi bowler. Those leading wicket-taker amongst fast bowlers, as 614 times Epidemiologically, there is a real possibility of a third wickets have come in 77 Tests at 28.70 each. Overall instance, named Delta Plus a Variant of Concern; however, batters have fallen prey to the legendary seamer. Having wave in India and it is possible that if a new variant Southee has the third-highest tally of Test scalps amongst made his debut way back in 2003, James Anderson has at the global level, it is not considered a separate variant. New Zealand bowlers – behind Daniel Vettori (361) and Sir What is the Kappa Variant?: Kappa is not a new variant and emerges, the third wave could arrive early. At the citizen unlocked a new mode in the past few years – since 2014, he level, we must keep following COVID- appropriate Richard Hadlee (431). Like Boult, Southee is also a averages 21.32 with the ball. He has aged like a fine wine – is already designated a Variant of Interest since April 2021. predominantly new ball wicket-taker, but can eke out batters However, it was back in the news in the second week of July, behaviour, which includes wearing face mask, since the start of 2020, Anderson's average is 17.40! He is maintaining physical distancing, washing hands and with the older ball as well. currently the third-leading wicket-taker behind Muralitharan, when two cases were reported from the genomic sequencing getting vaccinated. That's how we fight the virus and 6. Ishant Sharma-303: Ishant Sharma's 101-Test career Warne, and Kumble, and has a claim to be recognized as the data of an Indian state. Kappa is a sub-lineage of B.1.617 can be separated into two parts: pre- and post-2018. Making greatest Test seamer in the game having taken wickets and variant, first reported from Maharashtra, India, in October reduce the impact of any subsequent wave, as and when his debut in 2007, Sharma averaged 34.28 taking 267 won matches all around the world. 2020. This variant was subsequently identified as a triple that happens. mutant by the Indian government in late March 2021, as it wickets till 2018. Since the start of that year, he has taken 77 G. Amarnath scalps at an outstanding average of 19.72, also helping India had three mutations of interest. The sub-lineage B.1.617.1 is HO: Estates

34 A calm, peaceful man is a power himself– Ramesh Kumar Bung. Money wasted can be restored, but time wasted is lost forever– Ramesh Kumar Bung. 35 DODO YOUYOU HOW TO OVERCOME A WEAKNESS? KNOWKNOW 28. 20% of Oxygen we inhale is utilised by our brain. "The time we invest in justifying our weakness, if we more of that language, rather than living the rest of ?? 29. Lighter was invented even before a matchbox was can invest that time to overcome our weakness, we your life saying, “I do not know.”. I go to a party, 01. The biggest organ in our body is our skin. found. CAN overcome those weaknesses." everybody dances, I'm feeling very bad. No, twenty- 30. Women can speak 20000 words per day; whereas 02. You can find only 6 persons in this world who A cheetah is born to a nature, it lives within that nature five hours you invest, and you will realize most of the totally resemble you. However, chance of meeting men can speak only 13000 words. and it dies to that nature. An eagle is born to a nature, people in… See, if you have to dance like them. them is only 9%. 31. In olden days, Romans were using brain of rats as 03. Oxford University is very old. It was constructed in their toothpaste. it lives within that nature, it dies with that nature. All It takes a lifetime. If you have to dance, like, how in 1096 AD. 32. The DNA of human beings and bananas tally these animals, till they attain their physical adulthood, parties we dance. We have to keep doing like this. 04. A bird called 'Kia' in New Zealand is very fond of 50%. they can learn. After that, they cannot learn. Not the Twenty-five hours is too much for that actually. Just a eating the rubber we fix around our windows. 33. We cannot hum by closing our nose. case with a human being. At this age, you can make few moves you will have to learn. That's all. Nothing is 05. The memory of Gold Fish is only 3 seconds. 34. There are so many colours which we cannot see this decision, rather than living there, you've been there. Hold each other and do this. That's all. They'll and identify. We don't know how they would be. 06. The heart of Shrimp would be in its head. living in… your father shifted to Chennai. all dance on their own. Not only you'll dance. Twenty- 07. The power of vision is more in men than women; 35. The beaks of birds have the same substance of our Then you started a business here. For two five hours you have to go and learn dancing whereas the hearing power of women is more nails of hand and teeth. than men. 36. The frogs called 'wood frogs' can retain without generations, you have been in Chennai. You were somewhere and you will be dancing. I'm not saying 08. There is a city called Shibam Hadramawt in South urinating for 8 months. born in Chennai and brought up for the last thirty-two you can become a master in twenty-five hours, but Arabia. All the houses there would be from 10 to 37. There is state called Utah in USA. Even birds have years in Chennai. And thirty-two years later, you're still you can get started in any proficiency. 20 floors. the right to travel on the highway there. saying “I can't speak Tamil.”. Why won't it come? It The beauty about being a human being is, from here 09. Fish listen to sounds with the help of their bodies. 38. In 1922, a person in the city Massachusetts made should come! One sentence if you learn per week, in to proficiency, you need to invest only twenty-five all his furniture with one lakh newspapers. They 10. When we proceed inside the earth, there would fifty-two weeks, you'll be speaking fifty-two sentences. hours, twenty-five hours distributed over a period of increase of temperature of 3 degrees per each 100 are intact even today. metres. 39. The kid of a peacock is called either peafowl or And it's not difficult for any one of us to learn one time. When twenty-five hours is invested over the next 11. In Canada, stamps on postal envelops are pasted peachick. sentence, per week, in any language! I know only a three months' time. You'll find sizable progress. Can with their photographs and posted. 40. Alaska is a state in USA. America had purchased little Hindi. Tiger is alive. that be one of my, go-up goals in life? One give-up 12. The chopsticks used by Chinese while eating are this state from Russia in 1872. USA paid a cost of 2 In fact, the number of times you've told in your life, I here. One go-up there. A step here, a step there, little made with teeth or bones. cents per acre and owned Alaska forever. don't know Hindi, if you have learnt one one sentence by little, when every human being, every individual 41. In 2005, Mark Elliot Zuckerberg wanted to sell 13. Grapes will be burst if you keep them in that many times. By end of the year, you can speak sitting here, is not just flowing with life. The way life is microwave. Face Book for 75 Million dollars but his trials fifty-two sentences! The time we invest in justifying our taking them, but is able to take control over their life, is 14. Plants grow fast with warm water than with cold failed. water. 42. In North Korea, it is banned to wear blue coloured weakness, if that time we can invest to overcome our able to take the reins of their life and say, “This is how 15. If you keep earphones for an hour, 700 times Jeans. weakness, we can overcome weaknesses. My back I'm going to live… my life.” bacteria reach your ears. 43. In our Solar System, while all the planets rotate in problem, since five years, your back is in the back of Ranjana Sharma 16. The first balloon which carried people was used in the anti-clockwise direction, only Mars rotates in your mind. In the five years, you have invested only Deputy General Manager the clockwise direction. Paris in 1783. fifteen minutes to yoga on a daily basis, you'll be doing 17. Most of the people write their names when they 44. Our brain consists of 60% fat only. shirasasana right now. start using a new pen. 45. The modern anti-smoking was actually started by 18. The pressure on your spine will be more when you Nazis in Germany. The amount of time we are investing to justify our cough than when you walk and stand. 46. A plant in Mexico blossoms a flower with the smell weaknesses, if that time is invested to cultivate 19. A person weighing 50 kilos on earth weighs 13200 of a chocolate. It is called 'Chocolate Cosmos'. strength, you know what sort of transformation we kilos on Jupiter. 47. There is a chance of getting 4 to 7 dreams by us in can achieve? A Sanskrit professor so beautifully from one night. 20. The only country which has no minerals is Vivekananda College would say, “Instead of going for 48. Researchers found a fossil of a penguin which used Switzerland. two hours of Sanskrit class every Saturday Sunday, You cannot live your today with 21. A bat eats easily 3000 mosquitoes in one night. to have a weight of 125 kilos. 49. There is a metal called Gallium. It melts if you hold every day invest ten minutes on Sanskrit. By the end the perceptions that were 22. The animal which is born of cross breeding of formed yesterday. This moment Zebra and a donkey is called Zonkey. it in your hand. Because, its melting point is only of the year, you would have progressed a lot more in 29.76 degrees Centigrade. Sanskrit that way.”. This is true with anything! is a new reality and it calls for a 23. Our brain would consist 80% of water only. renewed perception. 24. Halloween Festival has been celebrated for the 50. A ball made of glass bounces higher than that of a I have always been interested in learning to sing, but I past 2000 years. ball made of rubber. never learnt singing properly. If you learn singing Umesh Chand Asawa 51. Erno Rubik formulated the present Rubik Cube. It 25. A year would consist of 31556926 seconds. properly, it'll help your neighbours also. Because of took one month to solve it initially. There is a world 26. There are 20 lakh temples in our country. Mere the way you sing, they close their windows right now. Varanasi has 23000 temples. record that it was solved in 4 minutes and 22 You don't have to become a big singer. Learn three 27. The shortest war in the world took place in 1896. seconds till today. The war between Britain and Germany ended up P. Venugopal Reddy songs in one year's time, identify, go and find a teacher in mere 38 minutes. HO: Credit where to your voice, to your range… Three songs are identified, and just learn; by will be speaking a little

36 Practise of non-injury and truthfulness will give you happiness– Ramesh Kumar Bung. Find out your centre. That centre is perfect harmony– Ramesh Kumar Bung. 37 DODO YOUYOU HOW TO OVERCOME A WEAKNESS? KNOWKNOW 28. 20% of Oxygen we inhale is utilised by our brain. "The time we invest in justifying our weakness, if we more of that language, rather than living the rest of ?? 29. Lighter was invented even before a matchbox was can invest that time to overcome our weakness, we your life saying, “I do not know.”. I go to a party, 01. The biggest organ in our body is our skin. found. CAN overcome those weaknesses." everybody dances, I'm feeling very bad. No, twenty- 30. Women can speak 20000 words per day; whereas 02. You can find only 6 persons in this world who A cheetah is born to a nature, it lives within that nature five hours you invest, and you will realize most of the totally resemble you. However, chance of meeting men can speak only 13000 words. and it dies to that nature. An eagle is born to a nature, people in… See, if you have to dance like them. them is only 9%. 31. In olden days, Romans were using brain of rats as 03. Oxford University is very old. It was constructed in their toothpaste. it lives within that nature, it dies with that nature. All It takes a lifetime. If you have to dance, like, how in 1096 AD. 32. The DNA of human beings and bananas tally these animals, till they attain their physical adulthood, parties we dance. We have to keep doing like this. 04. A bird called 'Kia' in New Zealand is very fond of 50%. they can learn. After that, they cannot learn. Not the Twenty-five hours is too much for that actually. Just a eating the rubber we fix around our windows. 33. We cannot hum by closing our nose. case with a human being. At this age, you can make few moves you will have to learn. That's all. Nothing is 05. The memory of Gold Fish is only 3 seconds. 34. There are so many colours which we cannot see this decision, rather than living there, you've been there. Hold each other and do this. That's all. They'll and identify. We don't know how they would be. 06. The heart of Shrimp would be in its head. living in… your father shifted to Chennai. all dance on their own. Not only you'll dance. Twenty- 07. The power of vision is more in men than women; 35. The beaks of birds have the same substance of our Then you started a business here. For two five hours you have to go and learn dancing whereas the hearing power of women is more nails of hand and teeth. than men. 36. The frogs called 'wood frogs' can retain without generations, you have been in Chennai. You were somewhere and you will be dancing. I'm not saying 08. There is a city called Shibam Hadramawt in South urinating for 8 months. born in Chennai and brought up for the last thirty-two you can become a master in twenty-five hours, but Arabia. All the houses there would be from 10 to 37. There is state called Utah in USA. Even birds have years in Chennai. And thirty-two years later, you're still you can get started in any proficiency. 20 floors. the right to travel on the highway there. saying “I can't speak Tamil.”. Why won't it come? It The beauty about being a human being is, from here 09. Fish listen to sounds with the help of their bodies. 38. In 1922, a person in the city Massachusetts made should come! One sentence if you learn per week, in to proficiency, you need to invest only twenty-five all his furniture with one lakh newspapers. They 10. When we proceed inside the earth, there would fifty-two weeks, you'll be speaking fifty-two sentences. hours, twenty-five hours distributed over a period of increase of temperature of 3 degrees per each 100 are intact even today. metres. 39. The kid of a peacock is called either peafowl or And it's not difficult for any one of us to learn one time. When twenty-five hours is invested over the next 11. In Canada, stamps on postal envelops are pasted peachick. sentence, per week, in any language! I know only a three months' time. You'll find sizable progress. Can with their photographs and posted. 40. Alaska is a state in USA. America had purchased little Hindi. Tiger is alive. that be one of my, go-up goals in life? One give-up 12. The chopsticks used by Chinese while eating are this state from Russia in 1872. USA paid a cost of 2 In fact, the number of times you've told in your life, I here. One go-up there. A step here, a step there, little made with teeth or bones. cents per acre and owned Alaska forever. don't know Hindi, if you have learnt one one sentence by little, when every human being, every individual 41. In 2005, Mark Elliot Zuckerberg wanted to sell 13. Grapes will be burst if you keep them in that many times. By end of the year, you can speak sitting here, is not just flowing with life. The way life is microwave. Face Book for 75 Million dollars but his trials fifty-two sentences! The time we invest in justifying our taking them, but is able to take control over their life, is 14. Plants grow fast with warm water than with cold failed. water. 42. In North Korea, it is banned to wear blue coloured weakness, if that time we can invest to overcome our able to take the reins of their life and say, “This is how 15. If you keep earphones for an hour, 700 times Jeans. weakness, we can overcome weaknesses. My back I'm going to live… my life.” bacteria reach your ears. 43. In our Solar System, while all the planets rotate in problem, since five years, your back is in the back of Ranjana Sharma 16. The first balloon which carried people was used in the anti-clockwise direction, only Mars rotates in your mind. In the five years, you have invested only Deputy General Manager the clockwise direction. Paris in 1783. fifteen minutes to yoga on a daily basis, you'll be doing 17. Most of the people write their names when they 44. Our brain consists of 60% fat only. shirasasana right now. start using a new pen. 45. The modern anti-smoking was actually started by 18. The pressure on your spine will be more when you Nazis in Germany. The amount of time we are investing to justify our cough than when you walk and stand. 46. A plant in Mexico blossoms a flower with the smell weaknesses, if that time is invested to cultivate 19. A person weighing 50 kilos on earth weighs 13200 of a chocolate. It is called 'Chocolate Cosmos'. strength, you know what sort of transformation we kilos on Jupiter. 47. There is a chance of getting 4 to 7 dreams by us in can achieve? A Sanskrit professor so beautifully from one night. 20. The only country which has no minerals is Vivekananda College would say, “Instead of going for 48. Researchers found a fossil of a penguin which used Switzerland. two hours of Sanskrit class every Saturday Sunday, You cannot live your today with 21. A bat eats easily 3000 mosquitoes in one night. to have a weight of 125 kilos. 49. There is a metal called Gallium. It melts if you hold every day invest ten minutes on Sanskrit. By the end the perceptions that were 22. The animal which is born of cross breeding of formed yesterday. This moment Zebra and a donkey is called Zonkey. it in your hand. Because, its melting point is only of the year, you would have progressed a lot more in 29.76 degrees Centigrade. Sanskrit that way.”. This is true with anything! is a new reality and it calls for a 23. Our brain would consist 80% of water only. renewed perception. 24. Halloween Festival has been celebrated for the 50. A ball made of glass bounces higher than that of a I have always been interested in learning to sing, but I past 2000 years. ball made of rubber. never learnt singing properly. If you learn singing Umesh Chand Asawa 51. Erno Rubik formulated the present Rubik Cube. It 25. A year would consist of 31556926 seconds. properly, it'll help your neighbours also. Because of took one month to solve it initially. There is a world 26. There are 20 lakh temples in our country. Mere the way you sing, they close their windows right now. Varanasi has 23000 temples. record that it was solved in 4 minutes and 22 You don't have to become a big singer. Learn three 27. The shortest war in the world took place in 1896. seconds till today. The war between Britain and Germany ended up P. Venugopal Reddy songs in one year's time, identify, go and find a teacher in mere 38 minutes. HO: Credit where to your voice, to your range… Three songs are identified, and just learn; by will be speaking a little

36 Practise of non-injury and truthfulness will give you happiness– Ramesh Kumar Bung. Find out your centre. That centre is perfect harmony– Ramesh Kumar Bung. 37 07. Mother Teresa (1910-1997) to increase the production and supply of milk – by Mother Mary Teresa Bojaxhiu, honoured supporting the Amul milk co-operative of Anand, in the Catholic Church as Saint Teresa of Gujarat and creating the National Dairy Development Calcutta, was an Albanian-Indian Board. Roman Catholic nun and missionary. She 13. Shivkumar Sharma (1938 ) was born in Skopje, then part of the Kosovo This acclaimed Pundit Santoor player Vilayet of the Ottoman Empire. has composed some great musical 08. Sir CV Raman (1888-1970) scores throughout the eighties. Faasle I-DAY 2021: 100 GREATEST A brilliant physicist, Dr Chandrasekhara (1985), Chandni (1989), Lamhe Venkata Raman, did some path-breaking (1991), and Darr (1993) were some of INDIANS POST-INDEPENDENCE work on the scattering of light which h is big hits. earned him the Nobel Prize for Physics in 14. Mayawati (1956) 1930. He discovered that when light while A Dalit leader, Mayawati has given 03. Dr. Babasaheb Ambedkar On the occasion of India's 75th Independence Day, traversing through anything transparent hope to the hundreds of millions from (1891-1956) we present a list of 'The 100 Greatest Indians since changes wavelength and amplitude: a phenomenon her community, fighting for their rights Independence'. The list consists of political leaders, Undoubtedly one of India’s greatest called the Raman Effect. He was honoured with and issues. She has also served four movie personalities, greats from the world of sons and the architect of the Indian India's highest civilian award, the Bharat Ratna, in separate terms as Chief Minister of Uttar literature, culture, art, sport, civil society, et cetera, Constitution, Ambedkar, was a brilliant 1954. Pradesh and is the national president of the who were alive when India achieved Independence. jurist and social reformer who led the 09. Vinoba Bhave (1895 - 1982) Bahujan Samaj Party. However, this NOT a ranked list. It is our tribute to Buddhist movement in the country to fight Vinayak Narahari Bhave is Mahatma 15. N. R. Narayana Murthy (1946) India's great sons and daughters who have done us injustices meted out to the Dalits. Dr Bhimrao Ramji Gandhi's spiritual successor and was Also known as the 'Father of the Indian proud through their achievements and contributions Ambedkar (1891 - 1956), the Indian Minister for Law associated with the non-violent IT sector,' Nagavara Ramarao to the nation. Any such compilation would be and leader of the Untouchables, marries Dr Sharda movement during India's freedom Narayana Murthy has co-founded contentious and there will always be debate around Kabir (1909 - 2003) of the Brahmin caste in New struggle. Gandhi chose him as the first 'Infosys' that has become one the why a certain great Indian does not feature in the list. Delhi, 15th April 1948. Satyagrahi. He was an important figure in leading tech giants of the world. We do acknowledge that no such list would be perfect. 04. Vallabhbhai Patel (1875-1950) This list was arrived at after painstaking discussions, India's independence movement. 16. Kailash Satyarthi (1954) Sardar Vallabhbhai Jhaverbhai Patel, 10. Homi Bhabha (1909 - 1966) research and polls, and takes into account what Satyarthi's fight against child labour, the the first Home Minister of India, helped impact these greats' contributions had on subsequent Physicist Dr. Homi Jehangir Bhabha was 'Bachpan Bachao Andolan', has politically integrate India, which for the generations. It is a combination of Bharat Ratnas, largely responsible for the development reportedly liberated 88,000 Indian most part was a cluster of hundreds of Nobel Laureates, winners of Padma awards, popular of India's atomic energy programme. children from child labour. In 2014, he princely states. His tough views that sports stars, iconic statesmen, artistes, authors, media, Bhabha was nominated for the Nobel was awarded the Nobel Prize for Peace. etc. Wish you all a Happy Independence Day! made India a union earned him the epithet, Prize in Physics in 1951, 1953 and 1956. 17. Dhirubhai Ambani (1932 - 2002) 01. Mahatma Gandhi (1869-1948) the ‘Iron Man of India’. 11. Indira Gandhi (1917-1984) 05. Atal Bihari Vajpayee (1924 – The name needs no introduction as it is ‘Generations to come will scarce 2018) Indira Priyadarshini Gandhi was one of behind the creation of one of the most believe that such a one as this ever in free India’s most charismatic leaders. powerful companies in today's India, Atal Bihari Vajpayee was a politician flesh and blood walked upon this India’s first and till date only female R e l i a n c e I n d u s t r i e s . D h i r a j l a l and poet who held the post of Prime earth,’ said Albert Einstein about prime minister, Indira Gandhi was the Hirachand Dhirubhai's journey from a Minister of India three times; first for a Mohandas Karamchand Gandhi. daughter of Jawaharlal Nehru. Among her school teacher's son in Gujarat to business term of 13 days in 1996, then for a period In deed, India’s greatest son would be the path breaking policies were the the abolition tycoon is that of intent and ambition. Mahatma, whose ideology of non-violence won India of 13 months from 1998 to 1999, and for a of privy purse to former rulers of the princely states 18. Ameen Sayani (1932) freedom from the British. full term from 1999 to 2004. He was awarded the and the nationalisation of the 14 largest banks in India 02. Jawaharlal Nehru (1889-1964) Bharat Ratna in 2015. in 1969. Indira Gandhi, Prime Minister of India, A former radio announcer, he achieved 06. Sarojini Naidu (1879-1949) photographed in her office in the Indian Parliament in fame across all of South Asia with the India’s first Prime Minister, Pundit hugely popular Binaca Geetmala Freedom fighter, poet, politician Sarojini New Delhi. 4th July 1971. Jawaharlal Nehru, was one of the program. major forces that led India to Naidu is also widely known as the 12. Lal Bahadur Shastri (1904-1966) independence. Nehru was an Indian Nightingale of India. She was a huge Lal Bahadur Shastri was an Indian independence activist as well as a part of the Swaraj movement with politician who served as the second central figure in Indian politics both before Mahatma Gandhi and also become the Prime Minister of India. He promoted the and after independence. president of the Indian National Congress White Revolution – a national campaign for a while. Her goal was a united India regardless of colour, caste or creed. 38 Constant repetition of a thought becomes a steady habit– Ramesh Kumar Bung. Break evil habits. You will develop your will-power– Ramesh Kumar Bung. 39 07. Mother Teresa (1910-1997) to increase the production and supply of milk – by Mother Mary Teresa Bojaxhiu, honoured supporting the Amul milk co-operative of Anand, in the Catholic Church as Saint Teresa of Gujarat and creating the National Dairy Development Calcutta, was an Albanian-Indian Board. Roman Catholic nun and missionary. She 13. Shivkumar Sharma (1938 ) was born in Skopje, then part of the Kosovo This acclaimed Pundit Santoor player Vilayet of the Ottoman Empire. has composed some great musical 08. Sir CV Raman (1888-1970) scores throughout the eighties. Faasle I-DAY 2021: 100 GREATEST A brilliant physicist, Dr Chandrasekhara (1985), Chandni (1989), Lamhe Venkata Raman, did some path-breaking (1991), and Darr (1993) were some of INDIANS POST-INDEPENDENCE work on the scattering of light which h is big hits. earned him the Nobel Prize for Physics in 14. Mayawati (1956) 1930. He discovered that when light while A Dalit leader, Mayawati has given 03. Dr. Babasaheb Ambedkar On the occasion of India's 75th Independence Day, traversing through anything transparent hope to the hundreds of millions from (1891-1956) we present a list of 'The 100 Greatest Indians since changes wavelength and amplitude: a phenomenon her community, fighting for their rights Independence'. The list consists of political leaders, Undoubtedly one of India’s greatest called the Raman Effect. He was honoured with and issues. She has also served four movie personalities, greats from the world of sons and the architect of the Indian India's highest civilian award, the Bharat Ratna, in separate terms as Chief Minister of Uttar literature, culture, art, sport, civil society, et cetera, Constitution, Ambedkar, was a brilliant 1954. Pradesh and is the national president of the who were alive when India achieved Independence. jurist and social reformer who led the 09. Vinoba Bhave (1895 - 1982) Bahujan Samaj Party. However, this NOT a ranked list. It is our tribute to Buddhist movement in the country to fight Vinayak Narahari Bhave is Mahatma 15. N. R. Narayana Murthy (1946) India's great sons and daughters who have done us injustices meted out to the Dalits. Dr Bhimrao Ramji Gandhi's spiritual successor and was Also known as the 'Father of the Indian proud through their achievements and contributions Ambedkar (1891 - 1956), the Indian Minister for Law associated with the non-violent IT sector,' Nagavara Ramarao to the nation. Any such compilation would be and leader of the Untouchables, marries Dr Sharda movement during India's freedom Narayana Murthy has co-founded contentious and there will always be debate around Kabir (1909 - 2003) of the Brahmin caste in New struggle. Gandhi chose him as the first 'Infosys' that has become one the why a certain great Indian does not feature in the list. Delhi, 15th April 1948. Satyagrahi. He was an important figure in leading tech giants of the world. We do acknowledge that no such list would be perfect. 04. Vallabhbhai Patel (1875-1950) This list was arrived at after painstaking discussions, India's independence movement. 16. Kailash Satyarthi (1954) Sardar Vallabhbhai Jhaverbhai Patel, 10. Homi Bhabha (1909 - 1966) research and polls, and takes into account what Satyarthi's fight against child labour, the the first Home Minister of India, helped impact these greats' contributions had on subsequent Physicist Dr. Homi Jehangir Bhabha was 'Bachpan Bachao Andolan', has politically integrate India, which for the generations. It is a combination of Bharat Ratnas, largely responsible for the development reportedly liberated 88,000 Indian most part was a cluster of hundreds of Nobel Laureates, winners of Padma awards, popular of India's atomic energy programme. children from child labour. In 2014, he princely states. His tough views that sports stars, iconic statesmen, artistes, authors, media, Bhabha was nominated for the Nobel was awarded the Nobel Prize for Peace. etc. Wish you all a Happy Independence Day! made India a union earned him the epithet, Prize in Physics in 1951, 1953 and 1956. 17. Dhirubhai Ambani (1932 - 2002) 01. Mahatma Gandhi (1869-1948) the ‘Iron Man of India’. 11. Indira Gandhi (1917-1984) 05. Atal Bihari Vajpayee (1924 – The name needs no introduction as it is ‘Generations to come will scarce 2018) Indira Priyadarshini Gandhi was one of behind the creation of one of the most believe that such a one as this ever in free India’s most charismatic leaders. powerful companies in today's India, Atal Bihari Vajpayee was a politician flesh and blood walked upon this India’s first and till date only female R e l i a n c e I n d u s t r i e s . D h i r a j l a l and poet who held the post of Prime earth,’ said Albert Einstein about prime minister, Indira Gandhi was the Hirachand Dhirubhai's journey from a Minister of India three times; first for a Mohandas Karamchand Gandhi. daughter of Jawaharlal Nehru. Among her school teacher's son in Gujarat to business term of 13 days in 1996, then for a period In deed, India’s greatest son would be the path breaking policies were the the abolition tycoon is that of intent and ambition. Mahatma, whose ideology of non-violence won India of 13 months from 1998 to 1999, and for a of privy purse to former rulers of the princely states 18. Ameen Sayani (1932) freedom from the British. full term from 1999 to 2004. He was awarded the and the nationalisation of the 14 largest banks in India 02. Jawaharlal Nehru (1889-1964) Bharat Ratna in 2015. in 1969. Indira Gandhi, Prime Minister of India, A former radio announcer, he achieved 06. Sarojini Naidu (1879-1949) photographed in her office in the Indian Parliament in fame across all of South Asia with the India’s first Prime Minister, Pundit hugely popular Binaca Geetmala Freedom fighter, poet, politician Sarojini New Delhi. 4th July 1971. Jawaharlal Nehru, was one of the program. major forces that led India to Naidu is also widely known as the 12. Lal Bahadur Shastri (1904-1966) independence. Nehru was an Indian Nightingale of India. She was a huge Lal Bahadur Shastri was an Indian independence activist as well as a part of the Swaraj movement with politician who served as the second central figure in Indian politics both before Mahatma Gandhi and also become the Prime Minister of India. He promoted the and after independence. president of the Indian National Congress White Revolution – a national campaign for a while. Her goal was a united India regardless of colour, caste or creed. 38 Constant repetition of a thought becomes a steady habit– Ramesh Kumar Bung. Break evil habits. You will develop your will-power– Ramesh Kumar Bung. 39 19. Hariprasad Chaurasia (1938 ) 26. L. Subramaniam (1947) 32. APJ Abdul Kalam (1931–2015) exponent in the craft of Carnatic music, she also was Classical flutist Chaurasia's contribution to Lakshminarayana Subramaniam is a Avul Pakir Jainulabdeen Abdul Kalam the first ever Indian musician to get the Ramon Hindustani music for near to five decades known music composer, acclaimed was the 11th President of India. An Magsaysay Award (popularly known as Asia’s Nobel has been unparalleled. Chaurasia has violinist and studied medicine. His aerospace engineer by profession, he prize). collaborated with several Western artists, compositions have been used in many rose to recognition through this work in 38. Sunil Gavaskar (1949) including 'The Beatles.' stage presentations of dance groups development of ballistic missile and The first man to reach 10,000 Test runs, 20. Girija Devi (1929-2017) worldwide and also in Bollywood films. l aunch vehicle technology. Soon he came to Sunil Manohar Gavaskar was arguably 27. Amjad Ali Khan (1945 ) be known as the Missile Man of India. He loved The Indian classical singer has been the the first Indian cricketer to win universal children and was well-known for his humility and recipient of three 'Padma' awards namely Music runs in his genes as the Sarod international acclaim. Still regarded as simple lifestyle even during his tenure as President, so Padma Shri (1972), Padma Bhushan maestro Ustad Amjad Ali Khan was one of the best batsmen ever against much so that he was nicknamed the “People's (1989), and Padma Vibhushan (2016). born in a family filled with classical genuine pace bowling, he has, since retiring, President”. 21. Baba Amte (1914 - 2008) musicians. He was awarded India's made a supremely successful transition into the media second highest civilian honour Padma 33. C Rajagopalachari (1878-1972) box, where his views are highly sought after. Murlidhar Devidas Amte was a social Vibhushan in 2001. Chakravarti Rajagopalachari, informally 39. CNR Rao (1934-) activist whose main area of work involved 28. Sarvapelli Radhakrishnan called Rajaji or C.R., was an Indian uplifting and empowering people Chintamani Nagesa Ramachandra Rao (1888-1975) politician, independence activist, suffering from leprosy. He has received is an Indian chemist and 2014 Bharat lawyer, writer, historian and statesman. many awards including the Padma Sarvepalli Radhakrishnan was a Ratna awardee. Rao has honorary Rajagopalachari was the last Governor- Vibhushan, the Ramon Magsaysay Award and statesman par excellence, and was doctorates from 60 universities from General of India, as India soon became a the Gandhi Peace Prize. India’s first Vice President of India and around the world, and has authored Republic in 1950. 22. Ramnath Goenka (1904 - 1991) the second President of the nation. around 1,600 research publications and 51 34. Kamaraj (1903-1975) Sarvapelli Radhakrishnan (1888 - 1975), books. He also heads the Scientific Advisory Council One of the most prestigious names in the Indian statesman was the second President of Kumaraswami Kamaraj, was the founder to the Prime Minister. Indian journalism, Goenka founded the India, serving from 1962 to 1967. and the president of the Indian National 40. Ravi Shankar (1920 – 2012) Indian Express group back in 1932. 29. M Visvesvaraya (1861-1962) Congress, widely acknowledged as the Goenka is remembered for being one of Pundit Ravi Shankar was a Hindustani "Kingmaker" in Indian politics during the the few journalists to have stood against the Sir Mokshagundam Visvesvaraya KCIE Classic music composer. But he was 1960s. Indira Gandhi government during the 1975- FASc, more commonly known as Sir more popularly known as the sitar 35. M G Ramachandran (1917-1987) 77 Emergency Period. MV, was an Indian civil engineer and maestro and has influenced many other 23. Verghese Kurien (1921 - 2012) statesman and the 19th Diwan of M a r u t h u r G o p a l a M e n o n musicians throughout the world. Shankar Mysore, serving from 1912 to 1919. He Ramachandran was an Indian actor, was awarded the Bharat Ratna in 1999. Kurien is the considered to be the 'Father of received India's highest honour, the Bharat filmmaker and politician who served as 41. Bhimsen Joshi (1922 – 2011) White Revolution' in India for his Ratna, in 1955. the Chief Minister of Tamil Nadu for ten innovative ways to make India the world's Pandit Bhimsen Gururaj Joshi was an 30. Rajendra Prasad (1884-1963) years between 1977 and 1987. He is a largest milk producer. His brainchild exponent of Hindustani classic music. cultural icon in the state and is regarded as 'Operation Flood' turned out to be the Rajendra Prasad was an Indian He was also well known for his bhajans one of the most influential actors of the Tamil film world's largest dairy programme and the independence activist, lawyer, scholar and spiritual songs. He was awarded the industry. country's largest rural employment provider. and subsequently, the first President of Bharat Ratna in 2009. 36. M F Hussain (1915 – 2011) 24. M. Balamuralikrishna (1930 - India, in office from 1950 to 1962. He 42. Bismillah Khan (1916–2006) 2016) was an Indian political leader and lawyer Maqbool Fida Husain was Indian most Qamruddin "Bismillah" Khan was known by training. famous and well known artists in A renowned Carnatic vocalist, musician, by the title Ustad, owing to his skill and 31. JRD Tata (1904-1993) modern times. He was also known as singer composer and character actor Dr. popularisation of the ‘shehnai’, a wind one of the most controversial painters Mangalampalli Balamuralikrishna has Jehangir Ratanji Dadabhoy Tata was an instrument. The shehnai is mostly used because he often depicted traditional received two National Film awards in 1976 Indian aviator, entrepreneur, chairman in cultural festivities and especially deities in non-traditional ways, including and 1987 respectively and has also been a of Tata Group and the shareholder of marriages. However, Ustad Bismillah Khan nude portrayals. recipient of the 'Padma Vibhushan.' Tata Sons. Born into the Tata family of brought it to the concert stage. He was awarded the 37. M. S. Subbulakshmi (1916 – 25. Alla Rakha (1919 - 2000) India, he was the son of noted Bharat Ratna in 2001. businessman Ratanji Dadabhoy Tata and 2004) 43. Pranab Mukherjee (1935 - 2020) Ustad Allarakha Qureshi was best his wife Suzanne Briere. M a d u r a i S h a n m u k h a v a d i v u remembered for playing tabla alongside Pranab Kumar Mukherjee is a politician Subbulakshmi was a Carnatic singer sitar maestro Ravi Shankar. His son Zakir and statesman who has been one of the who was the first ever singer to be Hussain walked on his footsteps to pillars of the Indian National Congress awarded the Bharat Ratna. A leading become a renowned table player as well.

40 Do every action in a thorough manner– Ramesh Kumar Bung. You make your own character through your actions– Ramesh Kumar Bung. 41 19. Hariprasad Chaurasia (1938 ) 26. L. Subramaniam (1947) 32. APJ Abdul Kalam (1931–2015) exponent in the craft of Carnatic music, she also was Classical flutist Chaurasia's contribution to Lakshminarayana Subramaniam is a Avul Pakir Jainulabdeen Abdul Kalam the first ever Indian musician to get the Ramon Hindustani music for near to five decades known music composer, acclaimed was the 11th President of India. An Magsaysay Award (popularly known as Asia’s Nobel has been unparalleled. Chaurasia has violinist and studied medicine. His aerospace engineer by profession, he prize). collaborated with several Western artists, compositions have been used in many rose to recognition through this work in 38. Sunil Gavaskar (1949) including 'The Beatles.' stage presentations of dance groups development of ballistic missile and The first man to reach 10,000 Test runs, 20. Girija Devi (1929-2017) worldwide and also in Bollywood films. l aunch vehicle technology. Soon he came to Sunil Manohar Gavaskar was arguably 27. Amjad Ali Khan (1945 ) be known as the Missile Man of India. He loved The Indian classical singer has been the the first Indian cricketer to win universal children and was well-known for his humility and recipient of three 'Padma' awards namely Music runs in his genes as the Sarod international acclaim. Still regarded as simple lifestyle even during his tenure as President, so Padma Shri (1972), Padma Bhushan maestro Ustad Amjad Ali Khan was one of the best batsmen ever against much so that he was nicknamed the “People's (1989), and Padma Vibhushan (2016). born in a family filled with classical genuine pace bowling, he has, since retiring, President”. 21. Baba Amte (1914 - 2008) musicians. He was awarded India's made a supremely successful transition into the media second highest civilian honour Padma 33. C Rajagopalachari (1878-1972) box, where his views are highly sought after. Murlidhar Devidas Amte was a social Vibhushan in 2001. Chakravarti Rajagopalachari, informally 39. CNR Rao (1934-) activist whose main area of work involved 28. Sarvapelli Radhakrishnan called Rajaji or C.R., was an Indian uplifting and empowering people Chintamani Nagesa Ramachandra Rao (1888-1975) politician, independence activist, suffering from leprosy. He has received is an Indian chemist and 2014 Bharat lawyer, writer, historian and statesman. many awards including the Padma Sarvepalli Radhakrishnan was a Ratna awardee. Rao has honorary Rajagopalachari was the last Governor- Vibhushan, the Ramon Magsaysay Award and statesman par excellence, and was doctorates from 60 universities from General of India, as India soon became a the Gandhi Peace Prize. India’s first Vice President of India and around the world, and has authored Republic in 1950. 22. Ramnath Goenka (1904 - 1991) the second President of the nation. around 1,600 research publications and 51 34. Kamaraj (1903-1975) Sarvapelli Radhakrishnan (1888 - 1975), books. He also heads the Scientific Advisory Council One of the most prestigious names in the Indian statesman was the second President of Kumaraswami Kamaraj, was the founder to the Prime Minister. Indian journalism, Goenka founded the India, serving from 1962 to 1967. and the president of the Indian National 40. Ravi Shankar (1920 – 2012) Indian Express group back in 1932. 29. M Visvesvaraya (1861-1962) Congress, widely acknowledged as the Goenka is remembered for being one of Pundit Ravi Shankar was a Hindustani "Kingmaker" in Indian politics during the the few journalists to have stood against the Sir Mokshagundam Visvesvaraya KCIE Classic music composer. But he was 1960s. Indira Gandhi government during the 1975- FASc, more commonly known as Sir more popularly known as the sitar 35. M G Ramachandran (1917-1987) 77 Emergency Period. MV, was an Indian civil engineer and maestro and has influenced many other 23. Verghese Kurien (1921 - 2012) statesman and the 19th Diwan of M a r u t h u r G o p a l a M e n o n musicians throughout the world. Shankar Mysore, serving from 1912 to 1919. He Ramachandran was an Indian actor, was awarded the Bharat Ratna in 1999. Kurien is the considered to be the 'Father of received India's highest honour, the Bharat filmmaker and politician who served as 41. Bhimsen Joshi (1922 – 2011) White Revolution' in India for his Ratna, in 1955. the Chief Minister of Tamil Nadu for ten innovative ways to make India the world's Pandit Bhimsen Gururaj Joshi was an 30. Rajendra Prasad (1884-1963) years between 1977 and 1987. He is a largest milk producer. His brainchild exponent of Hindustani classic music. cultural icon in the state and is regarded as 'Operation Flood' turned out to be the Rajendra Prasad was an Indian He was also well known for his bhajans one of the most influential actors of the Tamil film world's largest dairy programme and the independence activist, lawyer, scholar and spiritual songs. He was awarded the industry. country's largest rural employment provider. and subsequently, the first President of Bharat Ratna in 2009. 36. M F Hussain (1915 – 2011) 24. M. Balamuralikrishna (1930 - India, in office from 1950 to 1962. He 42. Bismillah Khan (1916–2006) 2016) was an Indian political leader and lawyer Maqbool Fida Husain was Indian most Qamruddin "Bismillah" Khan was known by training. famous and well known artists in A renowned Carnatic vocalist, musician, by the title Ustad, owing to his skill and 31. JRD Tata (1904-1993) modern times. He was also known as singer composer and character actor Dr. popularisation of the ‘shehnai’, a wind one of the most controversial painters Mangalampalli Balamuralikrishna has Jehangir Ratanji Dadabhoy Tata was an instrument. The shehnai is mostly used because he often depicted traditional received two National Film awards in 1976 Indian aviator, entrepreneur, chairman in cultural festivities and especially deities in non-traditional ways, including and 1987 respectively and has also been a of Tata Group and the shareholder of marriages. However, Ustad Bismillah Khan nude portrayals. recipient of the 'Padma Vibhushan.' Tata Sons. Born into the Tata family of brought it to the concert stage. He was awarded the 37. M. S. Subbulakshmi (1916 – 25. Alla Rakha (1919 - 2000) India, he was the son of noted Bharat Ratna in 2001. businessman Ratanji Dadabhoy Tata and 2004) 43. Pranab Mukherjee (1935 - 2020) Ustad Allarakha Qureshi was best his wife Suzanne Briere. M a d u r a i S h a n m u k h a v a d i v u remembered for playing tabla alongside Pranab Kumar Mukherjee is a politician Subbulakshmi was a Carnatic singer sitar maestro Ravi Shankar. His son Zakir and statesman who has been one of the who was the first ever singer to be Hussain walked on his footsteps to pillars of the Indian National Congress awarded the Bharat Ratna. A leading become a renowned table player as well.

40 Do every action in a thorough manner– Ramesh Kumar Bung. You make your own character through your actions– Ramesh Kumar Bung. 41 party over the years. He has also served as the 13th is the youngest ever recipient of the highest civilian 53. E Sreedharan (1932-) 58. PT Usha (1964-) President of India from 2012 until 2017. He was award. A civil engineer and retired IRSE officer, A name synonymous with Indian awarded the Bharat Ratna in 2019. 49. MC Mary Kom (1983) Elatituvalapil Sreedharan is popularly athletics, Pilavullakandi Thekke 44. Jayaprakash Narayan (1902 – This legendary boxer has several firsts to known as the 'Metro Man' and was Parambil Usha won silver medals in the 1979) her credit. Mangte Chungneijang Mary credited for the stellar work he did in 100 m and the 200 m events in the 1982 Known as the “Hero of Quit India Kom is the only woman to be World building Konkan Railway and the Delhi New Delhi Asiad, gold in the 400 m (with a Movement”, Jayaprakash Narayan was Amateur Boxing champion a record six Metro. His list of honours includes the Padma n ew Asian record) in the Asian Track and Field freedom fighter, theorist, socialist and times, the only woman boxer to have won Shri (2001), the Padma Vibhushan (2008), and the Championship in Kuwait and became the first Indian political leader. He is remembered for a medal in each one of the seven world Chevalier de la Legion d'honneur (2005). He also was women to enter the final of an Olympics event at the leading the mid-1970s opposition against PM championships she participated in and the first Indian named one of Asia's Heroes by TIME magazine in 1984 Los Angeles Olympics. Indira Gandhi, and was posthumously awarded the woman boxer to bag a Gold Medal in the Asian 2003. 59. J Jayalalithaa (1948-2016) 54. Birju Maharaj (1938-) Bharat Ratna in 1999. Games. She was awarded the Padma Shri in 2006 An actor-turned-politician, Jayaram 45. Lata Mangeshkar (1929) and the Padma Bhushan in 2013. She is currently also An exponent of the Kathak dance form, Jayalalitha served as the Chief Minister a member of the Rajya Sabha. The songbird of India is the beloved Pundit Birju Maharaj was born into a of Tamil Nadu for over fourteen years 50. Narendra Modi (1950-) playback and classic singer Lata well-known dancing family and began between 1991 and 2016. Her party, the Mangeshkar. Revered as one of the icons Having won a second term as prime performing as a child alongside his father. AIADMK, revered her as their Amma of independent India, Lata Mangeshkar minister with an even bigger mandate Brijmohan Mishra became a dance teacher ( m o t h e r ) a n d P u r a t c h i T h a l a i v i has recorded songs in over 1000 Hindi than the first time, the charismatic at the age of 13 and had won the coveted (revolutionary leader). Her government was behind films and has sung songs in over 36 regional Narendra Damodardas Modi is clearly Sangeet Natak Akademi Award by the time he was 28. several social-welfare schemes, including those for Indian languages and foreign languages. leaving his imprint on Indian history. He’s He has been instrumental in catapulting the kathak subsidised Amma-branded goods such as canteens, 46. Satyajit Ray (1921–1992) been behind many a momentous policy dance-form to the forefront of national and bottled water and salt. decision such as scrapping of Article 370 in J&K, international culture. 60. CN Annadurai (1909-1969) Widely recognised as one of the greatest demonetising large currency notes, implementing 55. Dhyan Chand (1905-1979) filmmakers of all time, Satyajit Ray was Popularly known as Perarignar Anna GST, annihilating terrorist camps inside Pakistan also a screenwriter, music composer, One of the greatest hockey players in the ( G r e a t W i s e - E l d e r B r o t h e r ) , through surgical strikes, and more. He has proven graphic artist, lyricist and author. Ray has history of the sport, Major Dhyan Chand Conjeevaram Natarajan Annadurai time and again that he is a decisive and fearless leader directed 36 films, but his Pather Panchali was called 'The Magician' for his skills with was the first non-Congress Dravidian and will also go down in history as one of India’s trilogy is considered the most memorable and the stick. He won three Olympic gold party CM of Tamil Nadu after 20 years of greatest leaders. iconic. medals, in 1928, 1932 and 1936. After the India having acquired Independence. Being 51. NT Rama Rao (1923-1996) 47. Amartya Sen (1933 ) 1936 final, in which India thrashed Germany an actor himself, Annadurai believed that the cinema 'NTR' was an actor, producer, director, 8-1, it was rumoured that Adolf Hitler offered him a actors would become the CM of states. A prediction Amartya Kumar Sen is an Economist and editor and politician who served as CM senior post in the German Army, which Chand that came to be true several times over. Philosopher. According to Wiki, Sen has of Andhra Pradesh for seven years over declined. 61. Amitabh Bachchan (1942-) m a d e c o n t r i b u t i o n s t o w e l f a re three terms. After decades of success in 56. Manmohan Singh (1932-) economics, social choice theory, M o s t f a m o u s l y k n o w n a s t h e the Telugu film industry, Nandamoori economic and social justice, economic A Prime Minister for two terms (2004-14), Shahenshah of Bollywood, Amitabh Taraka Rama Rao founded the Telugu theories of famines, and indices of the Chief Economic Advisor (1972–76), Bachchan has had an illustrious career Desam Party (TDP) in 1982 and advocated a distinct measure of well-being of citizens of developing Governor of the Reserve Bank (1982–85) spanning over five decades now. identity for Andhra Pradesh, distinguishing it from the countries. In 1998, he was awarded the Nobel Prize in and head of the Planning Commission Bachchan is widely regarded as one of erstwhile Madras State. Economic Sciences. He also received the Bharat (1985–87), he will be known forever as the the greatest and most influential actors in 52. GD Birla (1894-1983) Ratna in 1999 for his contribution to political science Finance Minister under PV Narasimha Rao the history of Indian cinema. Big B has won four in India. One of the icons of Indian industry, who liberalised the Indian economy in 1991. National Awards and has won 15 Filmfare awards. 48. Sachin Tendulkar (1973) Ghanshyam Das Birla is remembered as 57. Kamal Hassan (1954-) 62. Khushwant Singh (1915-2014) the man who laid the foundation of the Sachin Ramesh Tendulkar, often termed A multi-faceted film personality working His 'Train to Pakistan', based on first- Birla Empire. He was a close associate of as the ‘God of Cricket’, is a former mostly in the Tamil movie industry, Kamal hand experience of the 1947 Partition Mahatma Gandhi and the founder of the international cricket and captain of the has won four National Film Awards and of India, is one of the most authentic Federation of Indian Chambers of Indian team. Hailed as arguably the best nineteen Filmfare Awards. He recently books on the subject. He was bestowed Commerce and Industry (FICCI). batsman the world has ever seen, forayed into politics by launching his own with the Padma Bhushan in 1974 but he Tendulkar claims most of the records in the political party in Tamil Nadu. returned the award in 1984 in protest books. In 2013, he was awarded the Bharat Ratna and against Operation Blue Star. In 2007, he was awarded the Padma Vibhushan, the second-highest civilian award in India.

42 Character is destiny– Ramesh Kumar Bung. Where egoism is not, there is bliss– Ramesh Kumar Bung. 43 party over the years. He has also served as the 13th is the youngest ever recipient of the highest civilian 53. E Sreedharan (1932-) 58. PT Usha (1964-) President of India from 2012 until 2017. He was award. A civil engineer and retired IRSE officer, A name synonymous with Indian awarded the Bharat Ratna in 2019. 49. MC Mary Kom (1983) Elatituvalapil Sreedharan is popularly athletics, Pilavullakandi Thekke 44. Jayaprakash Narayan (1902 – This legendary boxer has several firsts to known as the 'Metro Man' and was Parambil Usha won silver medals in the 1979) her credit. Mangte Chungneijang Mary credited for the stellar work he did in 100 m and the 200 m events in the 1982 Known as the “Hero of Quit India Kom is the only woman to be World building Konkan Railway and the Delhi New Delhi Asiad, gold in the 400 m (with a Movement”, Jayaprakash Narayan was Amateur Boxing champion a record six Metro. His list of honours includes the Padma n ew Asian record) in the Asian Track and Field freedom fighter, theorist, socialist and times, the only woman boxer to have won Shri (2001), the Padma Vibhushan (2008), and the Championship in Kuwait and became the first Indian political leader. He is remembered for a medal in each one of the seven world Chevalier de la Legion d'honneur (2005). He also was women to enter the final of an Olympics event at the leading the mid-1970s opposition against PM championships she participated in and the first Indian named one of Asia's Heroes by TIME magazine in 1984 Los Angeles Olympics. Indira Gandhi, and was posthumously awarded the woman boxer to bag a Gold Medal in the Asian 2003. 59. J Jayalalithaa (1948-2016) 54. Birju Maharaj (1938-) Bharat Ratna in 1999. Games. She was awarded the Padma Shri in 2006 An actor-turned-politician, Jayaram 45. Lata Mangeshkar (1929) and the Padma Bhushan in 2013. She is currently also An exponent of the Kathak dance form, Jayalalitha served as the Chief Minister a member of the Rajya Sabha. The songbird of India is the beloved Pundit Birju Maharaj was born into a of Tamil Nadu for over fourteen years 50. Narendra Modi (1950-) playback and classic singer Lata well-known dancing family and began between 1991 and 2016. Her party, the Mangeshkar. Revered as one of the icons Having won a second term as prime performing as a child alongside his father. AIADMK, revered her as their Amma of independent India, Lata Mangeshkar minister with an even bigger mandate Brijmohan Mishra became a dance teacher ( m o t h e r ) a n d P u r a t c h i T h a l a i v i has recorded songs in over 1000 Hindi than the first time, the charismatic at the age of 13 and had won the coveted (revolutionary leader). Her government was behind films and has sung songs in over 36 regional Narendra Damodardas Modi is clearly Sangeet Natak Akademi Award by the time he was 28. several social-welfare schemes, including those for Indian languages and foreign languages. leaving his imprint on Indian history. He’s He has been instrumental in catapulting the kathak subsidised Amma-branded goods such as canteens, 46. Satyajit Ray (1921–1992) been behind many a momentous policy dance-form to the forefront of national and bottled water and salt. decision such as scrapping of Article 370 in J&K, international culture. 60. CN Annadurai (1909-1969) Widely recognised as one of the greatest demonetising large currency notes, implementing 55. Dhyan Chand (1905-1979) filmmakers of all time, Satyajit Ray was Popularly known as Perarignar Anna GST, annihilating terrorist camps inside Pakistan also a screenwriter, music composer, One of the greatest hockey players in the ( G r e a t W i s e - E l d e r B r o t h e r ) , through surgical strikes, and more. He has proven graphic artist, lyricist and author. Ray has history of the sport, Major Dhyan Chand Conjeevaram Natarajan Annadurai time and again that he is a decisive and fearless leader directed 36 films, but his Pather Panchali was called 'The Magician' for his skills with was the first non-Congress Dravidian and will also go down in history as one of India’s trilogy is considered the most memorable and the stick. He won three Olympic gold party CM of Tamil Nadu after 20 years of greatest leaders. iconic. medals, in 1928, 1932 and 1936. After the India having acquired Independence. Being 51. NT Rama Rao (1923-1996) 47. Amartya Sen (1933 ) 1936 final, in which India thrashed Germany an actor himself, Annadurai believed that the cinema 'NTR' was an actor, producer, director, 8-1, it was rumoured that Adolf Hitler offered him a actors would become the CM of states. A prediction Amartya Kumar Sen is an Economist and editor and politician who served as CM senior post in the German Army, which Chand that came to be true several times over. Philosopher. According to Wiki, Sen has of Andhra Pradesh for seven years over declined. 61. Amitabh Bachchan (1942-) m a d e c o n t r i b u t i o n s t o w e l f a re three terms. After decades of success in 56. Manmohan Singh (1932-) economics, social choice theory, M o s t f a m o u s l y k n o w n a s t h e the Telugu film industry, Nandamoori economic and social justice, economic A Prime Minister for two terms (2004-14), Shahenshah of Bollywood, Amitabh Taraka Rama Rao founded the Telugu theories of famines, and indices of the Chief Economic Advisor (1972–76), Bachchan has had an illustrious career Desam Party (TDP) in 1982 and advocated a distinct measure of well-being of citizens of developing Governor of the Reserve Bank (1982–85) spanning over five decades now. identity for Andhra Pradesh, distinguishing it from the countries. In 1998, he was awarded the Nobel Prize in and head of the Planning Commission Bachchan is widely regarded as one of erstwhile Madras State. Economic Sciences. He also received the Bharat (1985–87), he will be known forever as the the greatest and most influential actors in 52. GD Birla (1894-1983) Ratna in 1999 for his contribution to political science Finance Minister under PV Narasimha Rao the history of Indian cinema. Big B has won four in India. One of the icons of Indian industry, who liberalised the Indian economy in 1991. National Awards and has won 15 Filmfare awards. 48. Sachin Tendulkar (1973) Ghanshyam Das Birla is remembered as 57. Kamal Hassan (1954-) 62. Khushwant Singh (1915-2014) the man who laid the foundation of the Sachin Ramesh Tendulkar, often termed A multi-faceted film personality working His 'Train to Pakistan', based on first- Birla Empire. He was a close associate of as the ‘God of Cricket’, is a former mostly in the Tamil movie industry, Kamal hand experience of the 1947 Partition Mahatma Gandhi and the founder of the international cricket and captain of the has won four National Film Awards and of India, is one of the most authentic Federation of Indian Chambers of Indian team. Hailed as arguably the best nineteen Filmfare Awards. He recently books on the subject. He was bestowed Commerce and Industry (FICCI). batsman the world has ever seen, forayed into politics by launching his own with the Padma Bhushan in 1974 but he Tendulkar claims most of the records in the political party in Tamil Nadu. returned the award in 1984 in protest books. In 2013, he was awarded the Bharat Ratna and against Operation Blue Star. In 2007, he was awarded the Padma Vibhushan, the second-highest civilian award in India.

42 Character is destiny– Ramesh Kumar Bung. Where egoism is not, there is bliss– Ramesh Kumar Bung. 43 63. EMS Namboodiripad (1909- 68. BKS Iyengar (1918-2014) 72. Dev Anand (1923-2011) West Bengal, India, he served as the Chief Minister of 1998) Bellur Krishnmachar Sundara Raja Dharamdev Pishorimal Anand was a West Bengal state from 1977 to 2000. Jyotirindra As Chief Minister of Kerala, Elamkulam Iyengar was the founder of 'Iyengar noted Hindi film actor, writer, director Basu`s life encompasses the entire period of the Manakkaal Sankaran Namboodiripad Yoga' and was considered one of the and producer known for his work in Left`s rise and fall in India. Serving as the Chief pioneered radical land and educational foremost yoga teachers in the world. Hindi cinema. He was extremely popular Minister of West Bengal in India for longest period of reforms in Kerala, which helped the state to 69. RK Laxman (1921-2015) for his distinct style of acting, body time between 1977 and 2000, Jyoti Basu soon become the country's leader in social l anguage and dialoge delivery which is became a guide, a friend, a philosopher and a much Indian cartoonist, illustrator, and indicators. emulated by many successful actors even to this day. respected political figure for many of his old and humorist Rasipuram Krishnaswami Iyer 64. Vikram Sarabhai (1919-1971) He is considered as one of the greatest and most contemporary colleagues and even for the opposition Laxman was best known for his creation successful actors in the bollywood film industry. He leaders, who liked to pay him visits for guidance. Considered to be the 'Father of the Indian The Common Man and for his daily was popularly known and came to be known as the 76. Viswanathan Anand (1969) Space Program', Vikram Ambalal cartoon strip, 'You Said It' in The Times romantic hero and evergreen hero in the 1960s' S a r a b h a i w a s i n s t r u m e n t a l i n of India, which started in 1951. Among the Viswanathan Anand is a chess having delivered mega hits like 'Manzil and 'Tere Ghar establishing the Physical Research awards that he won are the Padma Bhushan in 1973, grandmaster and a former World Chess Ke Samne'. He also ventured into direction and Laboratory (PRL) in Ahmedabad. He was Padma Vibhushan in 2005 and Ramon Magsaysay Champion. Anand became India's first politics. He led a group of film personalities who stood also Chairman of the Atomic Energy Award for Journalism, Literature and Creative grandmaster in 1988. Anand was also up against the Internal Emergency imposed by the Commission and played a central role in the creation Communication Arts in 1984. the first recipient of the Rajiv Gandhi Khel then Prime Minister of India, Indira Gandhi. of the Indian Institute of Management, Ahmedabad. 70. Mario Miranda (1926-2011) Ratna Award in 1991–92, India's highest 73. Yash Chopra (1932-2012) 65. M. Karunanidhi (1924-2018) sporting honour. In 2007, he was awarded the Padma Indian cartoonist and painter based in The founding chairman of the film Vibhushan, making him the first sportsperson to Muthuvel Karunanidhi served as Chief Loutolim in the Indian state of Goa who production and distribution company receive the award. Minister of Tamil Nadu for almost two has held solo exhibitions in over 22 Yash Raj Films, Yash Chopra is 77. Dr. Rajkumar (1929-2006) decades over five terms (between 1969 countries, including the United States, considered one of the greatest Indian and 2011) and was also a long-standing Japan, Brazil, Australia, Singapore, Singanalluru Puttaswamy Mutturaju, directors and film producers of all times in leader of the Dravidian movement and France, Yugoslavia, and Portugal. Miranda's known mononymously by his stage Indian cinema. He is the man responsible for ten-time president of the DMK. Before entering cartoons grace the walls of one of South Mumbai's name Rajkumar was an Indian actor capturing the essence of Bollywood romance in all its politics, he worked in the Tamil film industry as a most famous hotspots, Cafe Mondegar, in Colaba. His and singer in the Kannada cinema. dramatic glory in the Swiss Alps, and this remained a screenwriter and made significant contributions to the caricatures are also seen in the municipal market of Widely acclaimed as one of the finest trend in the industry for nearly 2 decades. Yash field. Panjim, Goa. Over the years, he published several actors in the history of Indian cinema, he is Chopra is the recipient of several awards, including six 66. Adoor Gopalakrishnan (1941) books, including Laugh it Off, Goa with Love, and considered a cultural icon and holds a matinee idol National Film Awards and 11 Filmfare Awards. Germany in Wintertime. Mario Joao Carlos Do status in the Kannada diaspora, among whom he is Along with Satyajit Ray and Mrinal Sen, Rosario De Brito Miranda was awarded Padma 74. PV Narasimha Rao (1921-2004) popularly adulated as Nata Saarvabhouma (emperor he is one of the most recognised Indian Vibhushan in 2012. Indian lawyer and politician who served of actors), Bangarada Manushya (man of gold), Vara film directors in world cinema and has 71. Arjan Singh, Marshal of the as the 9th Prime Minister of India from Nata (gifted actor) and Rajanna (elder brother, Raj). won the National Film Award 16 times. He Indian Air Force (1919-2017) 1991 to 1996. His ascendancy to the He was honoured by Padma Bhushan Award in 1983. was awarded the Padma Shri in 1984 and the prime ministership was politically 78. Leander Paes (1973) Padma Vibhushan in 2006. He received the Indian Air Force marshal who served as significant in that he was the second Dadasaheb Phalke Award in 2004 for his invaluable Chief of the Air Staff from 1964 to 1969. Tennis player, Leaander Adrian Paes holder of this office from a non-Hindi- contributions to Indian cinema. For his distinguished service in has won eight doubles and ten mixed speaking region and 1st belonging to the southern 67. R. K. Narayan (1906-2001) commanding the IAF during the Indo- doubles Grand Slam titles. He holds a part of India. Pamulaparthi Venkata Narasimha Rao is Pakistani War of 1965, he was awarded the career Grand Slam in men's doubles Known for his works set in the fictional often referred as 'Father of Indian Economic Reforms'. Padma Vibhushan and in 1966 became the first IAF and mixed doubles, and achieved the South Indian town of Malgudi, With Rao's mandate, then finance minister officer to be promoted to air chief marshal. After rare men's doubles/mixed doubles double R a s i p u r a m K r i s h n a s w a m i I y e r Manmohan Singh launched a series of pro- retiring from the IAF, he served as a diplomat, at the 1999 Wimbledon tournament. His mixed Narayanaswami, was a leading author of globalisation reforms, including International politician and advisor to the Indian government. He doubles Wimbledon title in 2010 made him the early Indian literature in English. Among Monetary Fund (IMF) policies, to rescue the almost- was Lieutenant Governor of Delhi from 1989 to 1990. second man (after Rod Laver) to win Wimbledon titles the best-received of Narayan’s 34 novels are bankrupt nation from economic collapse. He is a In 2002, he became the first and only officer of the in three decades. Paes has received the Rajiv Gandhi The English Teacher (1945), Waiting for the Mahatma recipient of the Pratibha Murthy Lifetime Indian Air Force. To be promoted to five-star rank as Khel Ratna award, India's highest sporting honour, in (1955), The Guide (1958) and The Man-Eater of Achievement Award. Marshal of the Indian Air Force, equal to the army rank 1996–97; the Arjuna Award in 1990; the Padma Shri Malgudi (1961). Narayan's greatest achievement was 75. Jyoti Basu (1914-2010) of Field Marshal. award in 2001 and its 3rd Highest Civilian Award the making India accessible to the outside world through An Indian Marxist ideologue, theorist Padma Bhushan in January 2014 for his outstanding his literature. and statesman belonging to the contribution to tennis in India. Communist Party of India (Marxist) from

44 Learn the discrimination between the real and unreal– Ramesh Kumar Bung. Live righteously– Ramesh Kumar Bung. 45 63. EMS Namboodiripad (1909- 68. BKS Iyengar (1918-2014) 72. Dev Anand (1923-2011) West Bengal, India, he served as the Chief Minister of 1998) Bellur Krishnmachar Sundara Raja Dharamdev Pishorimal Anand was a West Bengal state from 1977 to 2000. Jyotirindra As Chief Minister of Kerala, Elamkulam Iyengar was the founder of 'Iyengar noted Hindi film actor, writer, director Basu`s life encompasses the entire period of the Manakkaal Sankaran Namboodiripad Yoga' and was considered one of the and producer known for his work in Left`s rise and fall in India. Serving as the Chief pioneered radical land and educational foremost yoga teachers in the world. Hindi cinema. He was extremely popular Minister of West Bengal in India for longest period of reforms in Kerala, which helped the state to 69. RK Laxman (1921-2015) for his distinct style of acting, body time between 1977 and 2000, Jyoti Basu soon become the country's leader in social l anguage and dialoge delivery which is became a guide, a friend, a philosopher and a much Indian cartoonist, illustrator, and indicators. emulated by many successful actors even to this day. respected political figure for many of his old and humorist Rasipuram Krishnaswami Iyer 64. Vikram Sarabhai (1919-1971) He is considered as one of the greatest and most contemporary colleagues and even for the opposition Laxman was best known for his creation successful actors in the bollywood film industry. He leaders, who liked to pay him visits for guidance. Considered to be the 'Father of the Indian The Common Man and for his daily was popularly known and came to be known as the 76. Viswanathan Anand (1969) Space Program', Vikram Ambalal cartoon strip, 'You Said It' in The Times romantic hero and evergreen hero in the 1960s' S a r a b h a i w a s i n s t r u m e n t a l i n of India, which started in 1951. Among the Viswanathan Anand is a chess having delivered mega hits like 'Manzil and 'Tere Ghar establishing the Physical Research awards that he won are the Padma Bhushan in 1973, grandmaster and a former World Chess Ke Samne'. He also ventured into direction and Laboratory (PRL) in Ahmedabad. He was Padma Vibhushan in 2005 and Ramon Magsaysay Champion. Anand became India's first politics. He led a group of film personalities who stood also Chairman of the Atomic Energy Award for Journalism, Literature and Creative grandmaster in 1988. Anand was also up against the Internal Emergency imposed by the Commission and played a central role in the creation Communication Arts in 1984. the first recipient of the Rajiv Gandhi Khel then Prime Minister of India, Indira Gandhi. of the Indian Institute of Management, Ahmedabad. 70. Mario Miranda (1926-2011) Ratna Award in 1991–92, India's highest 73. Yash Chopra (1932-2012) 65. M. Karunanidhi (1924-2018) sporting honour. In 2007, he was awarded the Padma Indian cartoonist and painter based in The founding chairman of the film Vibhushan, making him the first sportsperson to Muthuvel Karunanidhi served as Chief Loutolim in the Indian state of Goa who production and distribution company receive the award. Minister of Tamil Nadu for almost two has held solo exhibitions in over 22 Yash Raj Films, Yash Chopra is 77. Dr. Rajkumar (1929-2006) decades over five terms (between 1969 countries, including the United States, considered one of the greatest Indian and 2011) and was also a long-standing Japan, Brazil, Australia, Singapore, Singanalluru Puttaswamy Mutturaju, directors and film producers of all times in leader of the Dravidian movement and France, Yugoslavia, and Portugal. Miranda's known mononymously by his stage Indian cinema. He is the man responsible for ten-time president of the DMK. Before entering cartoons grace the walls of one of South Mumbai's name Rajkumar was an Indian actor capturing the essence of Bollywood romance in all its politics, he worked in the Tamil film industry as a most famous hotspots, Cafe Mondegar, in Colaba. His and singer in the Kannada cinema. dramatic glory in the Swiss Alps, and this remained a screenwriter and made significant contributions to the caricatures are also seen in the municipal market of Widely acclaimed as one of the finest trend in the industry for nearly 2 decades. Yash field. Panjim, Goa. Over the years, he published several actors in the history of Indian cinema, he is Chopra is the recipient of several awards, including six 66. Adoor Gopalakrishnan (1941) books, including Laugh it Off, Goa with Love, and considered a cultural icon and holds a matinee idol National Film Awards and 11 Filmfare Awards. Germany in Wintertime. Mario Joao Carlos Do status in the Kannada diaspora, among whom he is Along with Satyajit Ray and Mrinal Sen, Rosario De Brito Miranda was awarded Padma 74. PV Narasimha Rao (1921-2004) popularly adulated as Nata Saarvabhouma (emperor he is one of the most recognised Indian Vibhushan in 2012. Indian lawyer and politician who served of actors), Bangarada Manushya (man of gold), Vara film directors in world cinema and has 71. Arjan Singh, Marshal of the as the 9th Prime Minister of India from Nata (gifted actor) and Rajanna (elder brother, Raj). won the National Film Award 16 times. He Indian Air Force (1919-2017) 1991 to 1996. His ascendancy to the He was honoured by Padma Bhushan Award in 1983. was awarded the Padma Shri in 1984 and the prime ministership was politically 78. Leander Paes (1973) Padma Vibhushan in 2006. He received the Indian Air Force marshal who served as significant in that he was the second Dadasaheb Phalke Award in 2004 for his invaluable Chief of the Air Staff from 1964 to 1969. Tennis player, Leaander Adrian Paes holder of this office from a non-Hindi- contributions to Indian cinema. For his distinguished service in has won eight doubles and ten mixed speaking region and 1st belonging to the southern 67. R. K. Narayan (1906-2001) commanding the IAF during the Indo- doubles Grand Slam titles. He holds a part of India. Pamulaparthi Venkata Narasimha Rao is Pakistani War of 1965, he was awarded the career Grand Slam in men's doubles Known for his works set in the fictional often referred as 'Father of Indian Economic Reforms'. Padma Vibhushan and in 1966 became the first IAF and mixed doubles, and achieved the South Indian town of Malgudi, With Rao's mandate, then finance minister officer to be promoted to air chief marshal. After rare men's doubles/mixed doubles double R a s i p u r a m K r i s h n a s w a m i I y e r Manmohan Singh launched a series of pro- retiring from the IAF, he served as a diplomat, at the 1999 Wimbledon tournament. His mixed Narayanaswami, was a leading author of globalisation reforms, including International politician and advisor to the Indian government. He doubles Wimbledon title in 2010 made him the early Indian literature in English. Among Monetary Fund (IMF) policies, to rescue the almost- was Lieutenant Governor of Delhi from 1989 to 1990. second man (after Rod Laver) to win Wimbledon titles the best-received of Narayan’s 34 novels are bankrupt nation from economic collapse. He is a In 2002, he became the first and only officer of the in three decades. Paes has received the Rajiv Gandhi The English Teacher (1945), Waiting for the Mahatma recipient of the Pratibha Murthy Lifetime Indian Air Force. To be promoted to five-star rank as Khel Ratna award, India's highest sporting honour, in (1955), The Guide (1958) and The Man-Eater of Achievement Award. Marshal of the Indian Air Force, equal to the army rank 1996–97; the Arjuna Award in 1990; the Padma Shri Malgudi (1961). Narayan's greatest achievement was 75. Jyoti Basu (1914-2010) of Field Marshal. award in 2001 and its 3rd Highest Civilian Award the making India accessible to the outside world through An Indian Marxist ideologue, theorist Padma Bhushan in January 2014 for his outstanding his literature. and statesman belonging to the contribution to tennis in India. Communist Party of India (Marxist) from

44 Learn the discrimination between the real and unreal– Ramesh Kumar Bung. Live righteously– Ramesh Kumar Bung. 45 79. Aamir Khan (1965) 82. Sridevi (1963-2018) 87. Guru Dutt (1925-1964) 92. MS Dhoni (1981) Mohammed Aamir Hussain Khan's has Sridevi was an Indian actress and Va s a n t h K u m a r S h i v a s h a n k a r It's saying something that Mahendra had a career spanning over thirty years in producer, who worked in Tamil, Hindi, Padukone, better known as Guru Dutt, Singh Dhoni's popularity rivals that of Hindi films. Khan has established himself Telugu, Malayalam and Kannada films. was an Indian film director, producer Sachin Tendulkar. From humble as one of the most popular and influential Born: 13 August 1963, Sivakasi; Died: and actor. He made 1950s and 1960s beginnings, Dhoni rose to lead the actors of Indian cinema. He has a large 24 February 2018, Jumeirah Emirates classics such as Pyaasa, Kaagaz Ke Phool, Indian cricket team to the World T20 and global following, especially in Southern Asia Towers Hotel. Sahib Bibi Aur Ghulam and Chaudhvin Ka ICC World Cup wins, earning along the way the and Greater China, and has been described by 83. Smita Patil (1955-1986) Chand. moniker of 'Captain Cool' for his unflappable Newsweek as 'the biggest movie star' in the world. 88. Helen (1938) temperament. His IPL exploits, during which he Khan is the recipient of numerous awards, including Smita Patil was an Indian actress of film, Helen Anne Richardson Khan, known solidified his role as the game's ultimate 'finisher', nine Filmfare Awards, four National Film Awards, and television and theatre. Regarded among mononymously as Helen, is an Indian further endeared him to the masses. an AACTA Award, as well as an Academy Award the finest stage and film actresses of her film actress and dancer who is best 93. Rajinikanth (1950) nomination. He was honoured by the Government of times, Patil appeared in over 80 Hindi, known for her work in Hindi films. She India with the Padma Shri in 2003 and the Padma Marathi, Gujarati, Malayalam and From being a bus conductor to a mass- has received two Filmfare awards and has Bhushan in 2010, and received an honorary title from Kannada films in a career that spanned just frenzy-evoking superstar, Rajni’s appeared in over 700 films, and is often cited the Government of China in 2017. o ver a decade. journey has been long, arduous and as one of the most popular nautch dancers of her time. dramatic. As of now, even at 68, Shivaji 80. Shah Rukh Khan (1965) 84. Madhubala (1933-1969) 89. Field Marshal Sam Manekshaw Rao Gaekwad is in big demand with Mumtaz Jehan Begum Dehlavi, better Born 2 November 1965 and referred to in (1914-2008) actresses less than half his age vying for roles t h e m e d i a a s t h e " B a d s h a h o f known by her stage name Madhubala, Field Marshal Sam Manekshaw was one opposite him. The combined earnings of his ‘Kaala’, Bollywood", "King of Bollywood" and was an Indian film actress who appeared of the most gallant army officers in India. ‘2.0’ and ‘Petta’, at the end of January 2019, was "King Khan", he has appeared in more in Hindi films. She was active between A recipient of Padma Vibhushan, Padma estimated to be over `1000 crore according to trade than 80 Bollywood films, and earned 1942 and 1964. Bhushan and Military Cross, Sam analysts. numerous accolades, including 14 Filmfare 85. Dilip Kumar (1922-2021) Manekshaw served as the 8th Chief of the 94. MS Swaminathan (1925) Awards. For his contributions to film, the Government Dilip Kumar is considered by many to be Army Staff. Manekshaw fought for the British Indian Green Revolution in India was founded of India honoured him with the Padma Shri, and the one of the greatest actors in the history of Army in World War II and was awarded the Military b y M a n k a o m b u S a m b a s i v a n Government of France awarded him both the Ordre Hindi cinema. Born as Mohammed Cross for his gallantry. Manekshaw led the Indian Swaminathan. The aim was to increase des Arts et des Lettres and the Légion d'honneur. Yousuf Khan, he has won nine Filmfare forces against Pakistan in the Indo-Pakistan War of agricultural productivity in the Khan has a significant following in Asia and the Indian Awards and is the first recipient of the 1971. He is the nation's only soldier to have ever held developing world with use of technology diaspora worldwide. In terms of audience size and Filmfare Best Actor Award. The Government the Field Marshall's rank. and agricultural research. He has been called income, he has been described as one of the most of India honoured Dilip Kumar with the Padma 90. Milkha Singh (1929-2021) the "Father of Green Revolution in India" for his role in successful film stars in the world. Bhushan in 1991, the Dadasaheb Phalke Award in introducing and further developing high-yielding 81. Abhinav Bindra (1982) 1994 and the Padma Vibhushan in 2015. Milkha Singh also known as The Flying Sikh, is an Indian former track and field varieties of wheat in India. He is a retired professional shooter who is 86. Rajesh Khanna (1942-2012) sprinter who was introduced to the sport 95. Field Marshal KM Cariappa a former World and Olympic champion Born Jatin Khanna, Rajesh Khanna was while serving in the Indian Army. Singh (1899-1993) in the 10 metre Air Rifle event. By an Indian actor, film producer and was the country's first athlete to win gold in Field Marshal Kodandera Madappa winning the gold in the 10 metre Air Rifle politician best known for his work in the the Commonwealth Games (1958 Cardiff) Cariappa; the first Indian Chief of the event at the 2008 Beijing Olympic Games, Hindi cinema. He is referred to as the and missed a medal at 1960 Rome Olympic medal by Army Staff. He led Indian forces on the he became the first Indian to win an "first superstar" of Indian Cinema. He a whisker, finishing fourth in the 400m final. Western Front during the Indo-Pakistani individual gold medal at the Olympic Games. It was starred in 15 consecutive solo hit films from 91. Raj Kapoor (1924-1988) War of 1947. He was specifically appointed also India's first gold medal since 1980, when the 1969 to 1971, a record still ‘unbroken’ by any actor Army Chief during 1965 Indo-Pak war. His Men's Field Hockey Team won the gold. He is the first around the globe till this date. Khanna won four Best Bollywood actor Raj Kapoor was an distinguished military career spanned almost three and only Indian to have held both the World and Actor Awards in the Bengal Film Journalists' actor, producer and director. Born to decades. Olympic titles at the same time, a feat he Association Awards, and received 25 nominations. actor Prithviraj Kapoor– he was a 96. AR Rahman (1967) accomplished by capturing the Gold Medal at the He won three Filmfare Best Actor Awards, one member of the Kapoor family which 2008 Olympic Games in Beijing, after having won the Filmfare Special Guest Actor Award in 1973, and produced several Bollywood superstars. Indian music director and singer g o l d a t t h e 2 0 0 6 I S S F Wo r l d S h o o t i n g received a Filmfare Special Award in 1991, after 25 Raj Kapoor produced and acted in several hit Allhrakha Rahman's music has Championships. Bindra also won the Gold Medal at years in the Hindi film industry. He received the films made under his R. K. banner. managed to bridge barriers. Among his the 2014 Commonwealth Games in Glasgow. Filmfare Lifetime Achievement Award at the 50th awards are six National Film Awards, anniversary Filmfare award ceremony in 2005. two Academy Awards, two Grammy Awards, a BAFTA Award, a Golden Globe

46 Act truthfully– Ramesh Kumar Bung. Joy is to the pure– Ramesh Kumar Bung. 47 79. Aamir Khan (1965) 82. Sridevi (1963-2018) 87. Guru Dutt (1925-1964) 92. MS Dhoni (1981) Mohammed Aamir Hussain Khan's has Sridevi was an Indian actress and Va s a n t h K u m a r S h i v a s h a n k a r It's saying something that Mahendra had a career spanning over thirty years in producer, who worked in Tamil, Hindi, Padukone, better known as Guru Dutt, Singh Dhoni's popularity rivals that of Hindi films. Khan has established himself Telugu, Malayalam and Kannada films. was an Indian film director, producer Sachin Tendulkar. From humble as one of the most popular and influential Born: 13 August 1963, Sivakasi; Died: and actor. He made 1950s and 1960s beginnings, Dhoni rose to lead the actors of Indian cinema. He has a large 24 February 2018, Jumeirah Emirates classics such as Pyaasa, Kaagaz Ke Phool, Indian cricket team to the World T20 and global following, especially in Southern Asia Towers Hotel. Sahib Bibi Aur Ghulam and Chaudhvin Ka ICC World Cup wins, earning along the way the and Greater China, and has been described by 83. Smita Patil (1955-1986) Chand. moniker of 'Captain Cool' for his unflappable Newsweek as 'the biggest movie star' in the world. 88. Helen (1938) temperament. His IPL exploits, during which he Khan is the recipient of numerous awards, including Smita Patil was an Indian actress of film, Helen Anne Richardson Khan, known solidified his role as the game's ultimate 'finisher', nine Filmfare Awards, four National Film Awards, and television and theatre. Regarded among mononymously as Helen, is an Indian further endeared him to the masses. an AACTA Award, as well as an Academy Award the finest stage and film actresses of her film actress and dancer who is best 93. Rajinikanth (1950) nomination. He was honoured by the Government of times, Patil appeared in over 80 Hindi, known for her work in Hindi films. She India with the Padma Shri in 2003 and the Padma Marathi, Gujarati, Malayalam and From being a bus conductor to a mass- has received two Filmfare awards and has Bhushan in 2010, and received an honorary title from Kannada films in a career that spanned just frenzy-evoking superstar, Rajni’s appeared in over 700 films, and is often cited the Government of China in 2017. o ver a decade. journey has been long, arduous and as one of the most popular nautch dancers of her time. dramatic. As of now, even at 68, Shivaji 80. Shah Rukh Khan (1965) 84. Madhubala (1933-1969) 89. Field Marshal Sam Manekshaw Rao Gaekwad is in big demand with Mumtaz Jehan Begum Dehlavi, better Born 2 November 1965 and referred to in (1914-2008) actresses less than half his age vying for roles t h e m e d i a a s t h e " B a d s h a h o f known by her stage name Madhubala, Field Marshal Sam Manekshaw was one opposite him. The combined earnings of his ‘Kaala’, Bollywood", "King of Bollywood" and was an Indian film actress who appeared of the most gallant army officers in India. ‘2.0’ and ‘Petta’, at the end of January 2019, was "King Khan", he has appeared in more in Hindi films. She was active between A recipient of Padma Vibhushan, Padma estimated to be over `1000 crore according to trade than 80 Bollywood films, and earned 1942 and 1964. Bhushan and Military Cross, Sam analysts. numerous accolades, including 14 Filmfare 85. Dilip Kumar (1922-2021) Manekshaw served as the 8th Chief of the 94. MS Swaminathan (1925) Awards. For his contributions to film, the Government Dilip Kumar is considered by many to be Army Staff. Manekshaw fought for the British Indian Green Revolution in India was founded of India honoured him with the Padma Shri, and the one of the greatest actors in the history of Army in World War II and was awarded the Military b y M a n k a o m b u S a m b a s i v a n Government of France awarded him both the Ordre Hindi cinema. Born as Mohammed Cross for his gallantry. Manekshaw led the Indian Swaminathan. The aim was to increase des Arts et des Lettres and the Légion d'honneur. Yousuf Khan, he has won nine Filmfare forces against Pakistan in the Indo-Pakistan War of agricultural productivity in the Khan has a significant following in Asia and the Indian Awards and is the first recipient of the 1971. He is the nation's only soldier to have ever held developing world with use of technology diaspora worldwide. In terms of audience size and Filmfare Best Actor Award. The Government the Field Marshall's rank. and agricultural research. He has been called income, he has been described as one of the most of India honoured Dilip Kumar with the Padma 90. Milkha Singh (1929-2021) the "Father of Green Revolution in India" for his role in successful film stars in the world. Bhushan in 1991, the Dadasaheb Phalke Award in introducing and further developing high-yielding 81. Abhinav Bindra (1982) 1994 and the Padma Vibhushan in 2015. Milkha Singh also known as The Flying Sikh, is an Indian former track and field varieties of wheat in India. He is a retired professional shooter who is 86. Rajesh Khanna (1942-2012) sprinter who was introduced to the sport 95. Field Marshal KM Cariappa a former World and Olympic champion Born Jatin Khanna, Rajesh Khanna was while serving in the Indian Army. Singh (1899-1993) in the 10 metre Air Rifle event. By an Indian actor, film producer and was the country's first athlete to win gold in Field Marshal Kodandera Madappa winning the gold in the 10 metre Air Rifle politician best known for his work in the the Commonwealth Games (1958 Cardiff) Cariappa; the first Indian Chief of the event at the 2008 Beijing Olympic Games, Hindi cinema. He is referred to as the and missed a medal at 1960 Rome Olympic medal by Army Staff. He led Indian forces on the he became the first Indian to win an "first superstar" of Indian Cinema. He a whisker, finishing fourth in the 400m final. Western Front during the Indo-Pakistani individual gold medal at the Olympic Games. It was starred in 15 consecutive solo hit films from 91. Raj Kapoor (1924-1988) War of 1947. He was specifically appointed also India's first gold medal since 1980, when the 1969 to 1971, a record still ‘unbroken’ by any actor Army Chief during 1965 Indo-Pak war. His Men's Field Hockey Team won the gold. He is the first around the globe till this date. Khanna won four Best Bollywood actor Raj Kapoor was an distinguished military career spanned almost three and only Indian to have held both the World and Actor Awards in the Bengal Film Journalists' actor, producer and director. Born to decades. Olympic titles at the same time, a feat he Association Awards, and received 25 nominations. actor Prithviraj Kapoor– he was a 96. AR Rahman (1967) accomplished by capturing the Gold Medal at the He won three Filmfare Best Actor Awards, one member of the Kapoor family which 2008 Olympic Games in Beijing, after having won the Filmfare Special Guest Actor Award in 1973, and produced several Bollywood superstars. Indian music director and singer g o l d a t t h e 2 0 0 6 I S S F Wo r l d S h o o t i n g received a Filmfare Special Award in 1991, after 25 Raj Kapoor produced and acted in several hit Allhrakha Rahman's music has Championships. Bindra also won the Gold Medal at years in the Hindi film industry. He received the films made under his R. K. banner. managed to bridge barriers. Among his the 2014 Commonwealth Games in Glasgow. Filmfare Lifetime Achievement Award at the 50th awards are six National Film Awards, anniversary Filmfare award ceremony in 2005. two Academy Awards, two Grammy Awards, a BAFTA Award, a Golden Globe

46 Act truthfully– Ramesh Kumar Bung. Joy is to the pure– Ramesh Kumar Bung. 47 Award, fifteen Filmfare Awards and seventeen WHAT IS CYCLONE? 08. Friend: When you have both of your eyes intact, Filmfare Awards South. He has been awarded the why are you trying to see with one eye? Tunku: Padma Bhushan in 2010 by the Government of India. My father advised me to keep an eye upon the 97. Mohammed Rafi (1924-1980) Cyclone storm is caused by atmospheric disturbances around a low-pressure area and is usually accompanied people who come to our house. Even after almost four decades, the by violent storms and severe weather conditions. 09. Tunku came back to India after finishing his trip genius of Mohammad Rafi is still adored. 'Cyclone' is derived from Greek word 'cyclos-coiling' of to Britain and asked his wife: Now, do I look like a Rafi was notable for his voice, versatility snake. CORNER foreigner to your eyes? Wife: Nothing like that. Classification – Tropical Depression: and range. He has recorded songs for A tropical You are appearing as usual. Why did you get that cyclone with maximum sustained winds of 60 kmph (33 over a thousand Hindi films and has sung doubt? Tunku: In London, a girl has seen me and knots) or less. Tropical Storm: A tropical cyclone with songs in various regional Indian languages as 01. Son (with lot of curiosity): Daddy, how did you asked, 'You are a foreigner; isn't it?' maximum sustained winds of 61 to 120 kmph (34 to 63 10. A traveller came from Russia to India on tour and well as foreign languages. knots). manage without having 4 G and 5 G net facilities stayed in a village. He asked Tunku: Did any big 98. RD Burman (1939-1994) Hurricanes: A tropical cyclone with maximum during your time? Tunku: During our times, we had only 3 G. They were – Mata Ji, Pita ji and persons take birth in this village? Tunku Rahul Dev Burman, popularly known as sustained winds of 121 kmph (64 knots) or high. Major Hurricane: A tropical cyclone with maximum sustained Guru ji. Whenever they punished us severely, our answered: No, no. In this village, always kids are Pancham Da, was born on June 27, winds of 180 kmph (96 knots) or higher corresponding to entire network used to be on instantly. only born. 1939. Regarded as one of the most a Categony 3,4 or 5 on the Saffir-Simpson Hurricane 02. Friend: What is the difference between welding 11. Tunku: It seems the poor lady Sudha is deaf. influential composers of the Indian film Wind Scale. and wedding? Tunku: In case of welding, there Friend: How do you know? Tunku: Yesterday, industry, RD Burman has composed Typhoons: In the western North Pacific hurricanes are would be initially sparks and sounds and when I said 'I love you' to her, she replied, 'My musical scores for 331 films. The great music called so; similar storms in the Indian Ocean and South relationship would be formed later. Whereas in shoes are new'. maestro was married to popular singer Asha Bhosle. Pacific Ocean are called Cyclones. wedding, first there would be relationship and 12. Teacher: Tell two sentences you know about Tornado: A tornado is a violent spiralling funnel cloud 99. Kishore Kumar (1929-1987) lightening and sounds later. Gandhi Jayanti. Tunku: Gandhi was a great that extends from the bottom of a thunderstorm to the man. We got Independence to our country only Kishore Kumar had an extraordinary ground. It is important not to confuse a tornado with a 03. Tunku's wife got anger and went to her mother's career in his time. He was a playback hurricane or tropical cyclone because tornado and house. However, after only couple of days, she because of him. But I do not know who Jayanti is. singer, music director, lyricist, film hurricanes are very different phenomena. The only wanted to go back to her husband's place. 13. Tunku: Madam, will I get any punishment for the director, producer, screenwriter and even similarity between them is that they both contain strong Mother asked: What my daughter, did you realise work which I do not do? Teacher: Certainly not. an actor. Fondly called Kishore Da, his rotating winds that can cause damage. your mistake and going back to your husband? Tunku: Thank God. Today I have not done my How does Cyclone Originate? : songs ranged from soft numbers to peppy Tropical cyclone is a Daughter: I came to know only truth. If I am here, homework. It seems I will not be punished. tracks to romantic classics. deep low pressure area. From around the centre, the I have to do all my work myself; whereas all my 14. Teacher: Tomorrow you have a slip test. Do you strong winds spirals and pick up the speeds of 62 kmph or tasks are discharged by my husband. Hence I am know what is a slip test is? Tunku: I know madam. 100. Kapil Dev (1959) more. In Northern hemisphere these winds rotate going back. It is written with the help of slips. Kapil Dev Ramlal Nikhanj is a former counter-clockwise and in Southern hemisphere 15. Tunku was travelling for the first time in a flight. clockwise. The tropical cyclones that are intense are 04. Tunku was imposed penalty of 1000 by the Indian cricketer. He was a middle order judge for slapping his friend. Then Tunku asked: When he saw Bombay city through the window, batsman and a fast bowler. Regarded as known as Hurricanes or the Atlantic Ocean and Typhoons over the Pacific Ocean. They are known by MY Lord, can I beat him for a second time? he shouted very loudly: 'Bombay, Bombay'. one of the greatest all-rounders to play different names. For example, dust devils, super cell Judge: How dare you show your audacity in Airhostess warned him: Be silent. Then Tunku the game, he is also regarded as one of the thunderstorm, tornadoes, tropical cyclones, extra front of me? Tunku: Not like that Sir. I have a again shouted: Ombay, Ombay! greatest captains India ever had. Dev tropical cyclones, etc., 2000/- note for which I have no change. That is 16. Friend: Tell me the difference between an orange captained the Indian cricket team that won the 1983 On the basis of the speed of the wind cyclones are why I asked like this. and an apple. Tunku: Don't think I do not know. Cricket World Cup. classified into five different categories from 1 to 5. 05. Doctor: When I have advised you to use Orange is always in orange colour, Apple will not According to the category of the cyclone, the wind speed antibiotic pills at night 10.00, why did you have it be in apple colour. varies that is from 60 kilometres an hour to about 220 17. Teacher: Tell me the similarity between Jesus kmph and above. the evening 6.00 PM? Tunku: I wanted to surprise Christ, Buddha and Mahatma Gandhi. Tunku: When the speed of the wind around the low pressure area the bacteria inside me, doctor. reach up to 62 kmph it is known as tropical cyclone and 06. Friend: What is the difference between God and Teacher, all these three were born on Courage is not the absence of the name is assigned. When wind speed settles between the doctor? Tunku: I don't know the difference government holidays. fear. But the ability to go ahead 89 and 118 kmph, it turns into a severe cyclone storm. but I know that we should not make them angry. 18. Wife: Our neighbour Padma thinks that she is the in spite of fear. When wind blows at a speed of about 119 to 221 kmph, When God is angry, he would send us to the most beautiful lady. Tunku: Advise her to then it is known as Very Severe Cyclonic Storm and when doctor. When Doctor becomes angry, he would crosscheck her photo in her Aadhaar Card. Umesh Chand Asawa the speed of the wind exceeds 221 kmph, then the send us to the God. 19. Tunku: I visited so many villages, do you know? cyclone is known as Super Cyclonic Storm. A fully 07. Friend: What is this Tunku? There are no clouds Friend: On which work did you go? Tunku: Not matured cyclone develops a cam centre. in the sky but you have started somewhere on work; I went on train. Padma Vijaya Kumar carrying an umbrella? Tunku: Do you mean to Sarita Joshi Road No: 12, Banjara Hills Branch say I don't know that much? I am going to watch Begum Bazar Branch 'The Rain' movie.

48 Peace is to the sinless– Ramesh Kumar Bung. Happiness is to the virtuous– Ramesh Kumar Bung. 49 Award, fifteen Filmfare Awards and seventeen WHAT IS CYCLONE? 08. Friend: When you have both of your eyes intact, Filmfare Awards South. He has been awarded the why are you trying to see with one eye? Tunku: Padma Bhushan in 2010 by the Government of India. My father advised me to keep an eye upon the 97. Mohammed Rafi (1924-1980) Cyclone storm is caused by atmospheric disturbances around a low-pressure area and is usually accompanied people who come to our house. Even after almost four decades, the by violent storms and severe weather conditions. 09. Tunku came back to India after finishing his trip genius of Mohammad Rafi is still adored. 'Cyclone' is derived from Greek word 'cyclos-coiling' of to Britain and asked his wife: Now, do I look like a Rafi was notable for his voice, versatility snake. CORNER foreigner to your eyes? Wife: Nothing like that. Classification – Tropical Depression: and range. He has recorded songs for A tropical You are appearing as usual. Why did you get that cyclone with maximum sustained winds of 60 kmph (33 over a thousand Hindi films and has sung doubt? Tunku: In London, a girl has seen me and knots) or less. Tropical Storm: A tropical cyclone with songs in various regional Indian languages as 01. Son (with lot of curiosity): Daddy, how did you asked, 'You are a foreigner; isn't it?' maximum sustained winds of 61 to 120 kmph (34 to 63 10. A traveller came from Russia to India on tour and well as foreign languages. knots). manage without having 4 G and 5 G net facilities stayed in a village. He asked Tunku: Did any big 98. RD Burman (1939-1994) Hurricanes: A tropical cyclone with maximum during your time? Tunku: During our times, we had only 3 G. They were – Mata Ji, Pita ji and persons take birth in this village? Tunku Rahul Dev Burman, popularly known as sustained winds of 121 kmph (64 knots) or high. Major Hurricane: A tropical cyclone with maximum sustained Guru ji. Whenever they punished us severely, our answered: No, no. In this village, always kids are Pancham Da, was born on June 27, winds of 180 kmph (96 knots) or higher corresponding to entire network used to be on instantly. only born. 1939. Regarded as one of the most a Categony 3,4 or 5 on the Saffir-Simpson Hurricane 02. Friend: What is the difference between welding 11. Tunku: It seems the poor lady Sudha is deaf. influential composers of the Indian film Wind Scale. and wedding? Tunku: In case of welding, there Friend: How do you know? Tunku: Yesterday, industry, RD Burman has composed Typhoons: In the western North Pacific hurricanes are would be initially sparks and sounds and when I said 'I love you' to her, she replied, 'My musical scores for 331 films. The great music called so; similar storms in the Indian Ocean and South relationship would be formed later. Whereas in shoes are new'. maestro was married to popular singer Asha Bhosle. Pacific Ocean are called Cyclones. wedding, first there would be relationship and 12. Teacher: Tell two sentences you know about Tornado: A tornado is a violent spiralling funnel cloud 99. Kishore Kumar (1929-1987) lightening and sounds later. Gandhi Jayanti. Tunku: Gandhi was a great that extends from the bottom of a thunderstorm to the man. We got Independence to our country only Kishore Kumar had an extraordinary ground. It is important not to confuse a tornado with a 03. Tunku's wife got anger and went to her mother's career in his time. He was a playback hurricane or tropical cyclone because tornado and house. However, after only couple of days, she because of him. But I do not know who Jayanti is. singer, music director, lyricist, film hurricanes are very different phenomena. The only wanted to go back to her husband's place. 13. Tunku: Madam, will I get any punishment for the director, producer, screenwriter and even similarity between them is that they both contain strong Mother asked: What my daughter, did you realise work which I do not do? Teacher: Certainly not. an actor. Fondly called Kishore Da, his rotating winds that can cause damage. your mistake and going back to your husband? Tunku: Thank God. Today I have not done my How does Cyclone Originate? : songs ranged from soft numbers to peppy Tropical cyclone is a Daughter: I came to know only truth. If I am here, homework. It seems I will not be punished. tracks to romantic classics. deep low pressure area. From around the centre, the I have to do all my work myself; whereas all my 14. Teacher: Tomorrow you have a slip test. Do you strong winds spirals and pick up the speeds of 62 kmph or tasks are discharged by my husband. Hence I am know what is a slip test is? Tunku: I know madam. 100. Kapil Dev (1959) more. In Northern hemisphere these winds rotate going back. It is written with the help of slips. Kapil Dev Ramlal Nikhanj is a former counter-clockwise and in Southern hemisphere 15. Tunku was travelling for the first time in a flight. clockwise. The tropical cyclones that are intense are 04. Tunku was imposed penalty of 1000 by the Indian cricketer. He was a middle order judge for slapping his friend. Then Tunku asked: When he saw Bombay city through the window, batsman and a fast bowler. Regarded as known as Hurricanes or the Atlantic Ocean and Typhoons over the Pacific Ocean. They are known by MY Lord, can I beat him for a second time? he shouted very loudly: 'Bombay, Bombay'. one of the greatest all-rounders to play different names. For example, dust devils, super cell Judge: How dare you show your audacity in Airhostess warned him: Be silent. Then Tunku the game, he is also regarded as one of the thunderstorm, tornadoes, tropical cyclones, extra front of me? Tunku: Not like that Sir. I have a again shouted: Ombay, Ombay! greatest captains India ever had. Dev tropical cyclones, etc., 2000/- note for which I have no change. That is 16. Friend: Tell me the difference between an orange captained the Indian cricket team that won the 1983 On the basis of the speed of the wind cyclones are why I asked like this. and an apple. Tunku: Don't think I do not know. Cricket World Cup. classified into five different categories from 1 to 5. 05. Doctor: When I have advised you to use Orange is always in orange colour, Apple will not According to the category of the cyclone, the wind speed antibiotic pills at night 10.00, why did you have it be in apple colour. varies that is from 60 kilometres an hour to about 220 17. Teacher: Tell me the similarity between Jesus kmph and above. the evening 6.00 PM? Tunku: I wanted to surprise Christ, Buddha and Mahatma Gandhi. Tunku: When the speed of the wind around the low pressure area the bacteria inside me, doctor. reach up to 62 kmph it is known as tropical cyclone and 06. Friend: What is the difference between God and Teacher, all these three were born on Courage is not the absence of the name is assigned. When wind speed settles between the doctor? Tunku: I don't know the difference government holidays. fear. But the ability to go ahead 89 and 118 kmph, it turns into a severe cyclone storm. but I know that we should not make them angry. 18. Wife: Our neighbour Padma thinks that she is the in spite of fear. When wind blows at a speed of about 119 to 221 kmph, When God is angry, he would send us to the most beautiful lady. Tunku: Advise her to then it is known as Very Severe Cyclonic Storm and when doctor. When Doctor becomes angry, he would crosscheck her photo in her Aadhaar Card. Umesh Chand Asawa the speed of the wind exceeds 221 kmph, then the send us to the God. 19. Tunku: I visited so many villages, do you know? cyclone is known as Super Cyclonic Storm. A fully 07. Friend: What is this Tunku? There are no clouds Friend: On which work did you go? Tunku: Not matured cyclone develops a cam centre. in the sky but you have started somewhere on work; I went on train. Padma Vijaya Kumar carrying an umbrella? Tunku: Do you mean to Sarita Joshi Road No: 12, Banjara Hills Branch say I don't know that much? I am going to watch Begum Bazar Branch 'The Rain' movie.

48 Peace is to the sinless– Ramesh Kumar Bung. Happiness is to the virtuous– Ramesh Kumar Bung. 49 snake!' Next day, the snake started crawling slowly on purpose. When the king noticed this, he asked him, 'Friend, why are you crawling as you usually do?' The snake replied, 'I have had nothing to eat! I am too weak to crawl properly'. So the frog king answered: 'All right then, you can eat small frogs'. PANCHATANTRA When the snake heard this, he pretended to be surprised and said, 'Well, this is exactly the second part of the Brahmin's curse come true, for he said that THE STORY OF FROGS AND THE BLACK I should have to live on whatever the frogs were SNAKE pleased to offer me. Your Majesty, your kindness FIVE COLDEST PLACES ON EARTH Near Varuna Mountain, there lived an old snake by makes me very happy'. After that, the snake began to the name of Mandavishya. One day, he thought to eat small frogs daily and in a short time, he became THAT WOULD BRING LITERAL CHILLS himself, 'I am getting too old to hunt for food. How very strong. The snake thought to himself with a smile, 'I have beguiled them enough to allow me to could I manage to maintain myself without having to Living in extreme conditions in some of the earth's Verkhoyansk in Russia: The town of Verkhoyansk work hard for it?' Then he hit upon a plan. He went to eat the small frogs, but how long will this supply last?' coldest places would be impossible for most humans. in Russia is the coldest place in the world, where a pond that was full of frogs and began to behave as Jalapada, the frog king, was so completely taken in So, while some people might not think of such places temperatures can go down to −49 degree celsius. The though he was a saint, who had renounced the by the snake's talk that he did not understand his real as fun vacation spots, others find them to be among reason for this extreme coldness is the massive world. A frog came out of the water and asked him, motive. After a few days, a big black snake came to the best locations in the world for a trip. Standard quantity of ice that covers the entire area of 'Why are not you moving about in search of food as the same place. He was flabbergasted to the see the thermostats will not operate in the great majority of Verkhoyansk. The city lies in the Uralska River and usual?' frogs riding on Mandavishya and he said to him, the locations listed below. Therefore, grab a steaming reaches up to the Kamenets-Podolsky Lake, from The snake replied, 'Ah, unfortunate fellow that I am! I 'Friend, these frogs are our food! Why are you cup of coffee and prepare to be amazed by a few of the where it receives its name. The lake is freezing, and no longer have any desire for food. I will explain to carrying them on your back? It is beneath you!' world's coldest sites. Verkhoyansk is located on its edge. The winter season Dome Fuji in Antarctica you. Last night, when I was wandering about in Mandavishya said, 'I do agree with you. But I am : Dome Fuji is located at in the region is from November until February, and the search of food, I saw a frog. When I tried to catch him, playing it cool and waiting patiently'. And he the South Pole, about −54.3 degree Celsius cold. It is average temperature is −5 degree Celsius during this he got frightened and jumped in amongst a group of explained to him everything. the coldest place in Antarctica, where the sun does not period. Snag Yukon in Canada Brahmins, who were reciting the Vedas, and One day, Mandavishya said with a laugh, 'Eating all rise above the freezing point. The spot with the lowest : Yet another coldest place temperature on Earth is Dome Fuji, which lies at the in the world, located in the Canadian province of vanished. I could not reach him there, so I sat waiting these frogs, I have discovered different tastes'. And margin of the Antarctica Peninsula. This place is so Alberta, is approximately 500 km from the Pacific for him to come out. Meanwhile, my eyes fell on a Jalapada, the frog king, hearing this, was dumb- cold that it makes a perfect place for research on Ocean. The average temperature during July and Brahmin's son and I bit him. He died on the spot. His founded and said to the snake, 'My good fellow, what below-zero temperatures and atmospheric pressure. August comes down to a record low of −63 degree father was heart-broken and he cursed me with these kind of talk is that!' To cover up his slip, the snake Some experts believe that if this land could be reached Celsius. Many lodges are available for travellers who words: 'Wicked demon of a serpent! You have bitten replied, 'Oh, nothing at all'. And then, with his clever by a vehicle, it would take close to six hours to get to want to experience this type of extreme cold and enjoy my son and killed him when he did nothing to you. talk, he succeeded in putting the frog king at ease. In the Earth's centre because the air around here is the beauty and hospitality of this place. So, If you're For this, from today on, you shall serve the frogs and due course, the snake started eating even the larger nearly a vacuum! planning on visiting these destinations, make sure to they will use you to ride on. You will live off whatever frogs and in the end, he ate the frog king himself and Denali in Alaska: Alaska is one of the coldest places pack some suitable woollens and enjoy the most they are pleased to offer you'. all the frogs were utterly wiped out. in the world. The average temperatures during winter bone-chilling locations on Earth. The snake further said, 'And so, I have come to serve T. Gangadhar Rao are below zero, and even in summer, the mercury you'. When the frog heard the snake's story, he went Head Office barely reaches the freezing point. The only place and told it to the others. Finally, the king of frogs where temperatures can be as extreme as they are in came to know the story. He thought it very strange Alaska is the polar regions, but even then not and visited the snake himself in the company of his everyone lives there; however, the people who do call ministers, in order to ascertain the facts. After the it a “land of snow and ice.” This place is so frigid that snake had assured him that his life would be safe, the some residents get sick every year because of the cold You can go through anything in life, temperatures. It is surprising how an Alaskan survives The very fact and idea has king climbed on his back. Other frogs also took their If you can eventually become the winter there! occurred to you, It only means turns, according to age. And those who did not find Klinck Research Station in Greenland: The you have the power to achieve it. any place on the snake's back, hopped after him. To What you can become. Klinck Research Station is situated at an elevation of Go for it. please the frogs, the snake exhibited to them various Ramesh Kumar Bung approximately 40 meters above sea level in Umesh Chand Asawa types of crawling. Greenland; this station has been continuously The king of the frogs was delighted and he said, 'I occupied since 1963. During the winter season, have never had so much pleasure riding an elephant, temperatures at this research center are moderate and a horse, a carriage or a human being, as by riding this comfortable. However, the average temperature during the summer is relatively high—approximately −4 degree Celsius.

50 Perfection is to the knower– Ramesh Kumar Bung. Annihilate the unwanted desires– Ramesh Kumar Bung. 51 snake!' Next day, the snake started crawling slowly on purpose. When the king noticed this, he asked him, 'Friend, why are you crawling as you usually do?' The snake replied, 'I have had nothing to eat! I am too weak to crawl properly'. So the frog king answered: 'All right then, you can eat small frogs'. PANCHATANTRA When the snake heard this, he pretended to be surprised and said, 'Well, this is exactly the second part of the Brahmin's curse come true, for he said that THE STORY OF FROGS AND THE BLACK I should have to live on whatever the frogs were SNAKE pleased to offer me. Your Majesty, your kindness FIVE COLDEST PLACES ON EARTH Near Varuna Mountain, there lived an old snake by makes me very happy'. After that, the snake began to the name of Mandavishya. One day, he thought to eat small frogs daily and in a short time, he became THAT WOULD BRING LITERAL CHILLS himself, 'I am getting too old to hunt for food. How very strong. The snake thought to himself with a smile, 'I have beguiled them enough to allow me to could I manage to maintain myself without having to Living in extreme conditions in some of the earth's Verkhoyansk in Russia: The town of Verkhoyansk work hard for it?' Then he hit upon a plan. He went to eat the small frogs, but how long will this supply last?' coldest places would be impossible for most humans. in Russia is the coldest place in the world, where a pond that was full of frogs and began to behave as Jalapada, the frog king, was so completely taken in So, while some people might not think of such places temperatures can go down to −49 degree celsius. The though he was a saint, who had renounced the by the snake's talk that he did not understand his real as fun vacation spots, others find them to be among reason for this extreme coldness is the massive world. A frog came out of the water and asked him, motive. After a few days, a big black snake came to the best locations in the world for a trip. Standard quantity of ice that covers the entire area of 'Why are not you moving about in search of food as the same place. He was flabbergasted to the see the thermostats will not operate in the great majority of Verkhoyansk. The city lies in the Uralska River and usual?' frogs riding on Mandavishya and he said to him, the locations listed below. Therefore, grab a steaming reaches up to the Kamenets-Podolsky Lake, from The snake replied, 'Ah, unfortunate fellow that I am! I 'Friend, these frogs are our food! Why are you cup of coffee and prepare to be amazed by a few of the where it receives its name. The lake is freezing, and no longer have any desire for food. I will explain to carrying them on your back? It is beneath you!' world's coldest sites. Verkhoyansk is located on its edge. The winter season Dome Fuji in Antarctica you. Last night, when I was wandering about in Mandavishya said, 'I do agree with you. But I am : Dome Fuji is located at in the region is from November until February, and the search of food, I saw a frog. When I tried to catch him, playing it cool and waiting patiently'. And he the South Pole, about −54.3 degree Celsius cold. It is average temperature is −5 degree Celsius during this he got frightened and jumped in amongst a group of explained to him everything. the coldest place in Antarctica, where the sun does not period. Snag Yukon in Canada Brahmins, who were reciting the Vedas, and One day, Mandavishya said with a laugh, 'Eating all rise above the freezing point. The spot with the lowest : Yet another coldest place temperature on Earth is Dome Fuji, which lies at the in the world, located in the Canadian province of vanished. I could not reach him there, so I sat waiting these frogs, I have discovered different tastes'. And margin of the Antarctica Peninsula. This place is so Alberta, is approximately 500 km from the Pacific for him to come out. Meanwhile, my eyes fell on a Jalapada, the frog king, hearing this, was dumb- cold that it makes a perfect place for research on Ocean. The average temperature during July and Brahmin's son and I bit him. He died on the spot. His founded and said to the snake, 'My good fellow, what below-zero temperatures and atmospheric pressure. August comes down to a record low of −63 degree father was heart-broken and he cursed me with these kind of talk is that!' To cover up his slip, the snake Some experts believe that if this land could be reached Celsius. Many lodges are available for travellers who words: 'Wicked demon of a serpent! You have bitten replied, 'Oh, nothing at all'. And then, with his clever by a vehicle, it would take close to six hours to get to want to experience this type of extreme cold and enjoy my son and killed him when he did nothing to you. talk, he succeeded in putting the frog king at ease. In the Earth's centre because the air around here is the beauty and hospitality of this place. So, If you're For this, from today on, you shall serve the frogs and due course, the snake started eating even the larger nearly a vacuum! planning on visiting these destinations, make sure to they will use you to ride on. You will live off whatever frogs and in the end, he ate the frog king himself and Denali in Alaska: Alaska is one of the coldest places pack some suitable woollens and enjoy the most they are pleased to offer you'. all the frogs were utterly wiped out. in the world. The average temperatures during winter bone-chilling locations on Earth. The snake further said, 'And so, I have come to serve T. Gangadhar Rao are below zero, and even in summer, the mercury you'. When the frog heard the snake's story, he went Head Office barely reaches the freezing point. The only place and told it to the others. Finally, the king of frogs where temperatures can be as extreme as they are in came to know the story. He thought it very strange Alaska is the polar regions, but even then not and visited the snake himself in the company of his everyone lives there; however, the people who do call ministers, in order to ascertain the facts. After the it a “land of snow and ice.” This place is so frigid that snake had assured him that his life would be safe, the some residents get sick every year because of the cold You can go through anything in life, temperatures. It is surprising how an Alaskan survives The very fact and idea has king climbed on his back. Other frogs also took their If you can eventually become the winter there! occurred to you, It only means turns, according to age. And those who did not find Klinck Research Station in Greenland: The you have the power to achieve it. any place on the snake's back, hopped after him. To What you can become. Klinck Research Station is situated at an elevation of Go for it. please the frogs, the snake exhibited to them various Ramesh Kumar Bung approximately 40 meters above sea level in Umesh Chand Asawa types of crawling. Greenland; this station has been continuously The king of the frogs was delighted and he said, 'I occupied since 1963. During the winter season, have never had so much pleasure riding an elephant, temperatures at this research center are moderate and a horse, a carriage or a human being, as by riding this comfortable. However, the average temperature during the summer is relatively high—approximately −4 degree Celsius.

50 Perfection is to the knower– Ramesh Kumar Bung. Annihilate the unwanted desires– Ramesh Kumar Bung. 51 sectors, aka Industry 4.0. Both types are integral to the follow. The new system, called Planning with Fourth Industrial Revolution. Uncertain Specifications (PUnS) system, gives Virtual Reality: Virtual Reality (VR) abolishes logical robots human-like planning ability to limitations. In a computer-generated simulation of simultaneously weigh many ambiguous and three-dimensional image or environment, viewers can potential contradictory requirements to reach end use special equipment to interact with the simulation goals according to their study. in realistic ways. The gaming and entertainment Ÿ Roboticists, from the University of Cambridge in industries are obvious proving grounds for VR. collaboration with domestic appliance company However, VR has the potential to transform many Beko, used machinery learning to train the robot other industries as well, especially in the realm of to cook to the necessary level. The mechanical experiential training where workers can be put into arm prepares the omelette, all the way from hazardous, difficult, or cost-prohibitive situations cracking the eggs to plating the finished dish and without the intense risks associated with these refined the 'chef' culinary skills to produce a THE ESSENTIAL EIGHT activities in the physical world. reliable dish that actually tastes good. Blockchain: A blockchain is a distributed digital Ÿ Researchers have created the first microscopic database, or more broadly, a digital ledger that uses robots that incorporate semi-conductor TECHNOLOGIES REVOLUTIONISING THE with data. Machine learning carries enormous software algorithms to record and confirm components, allowing them to be controlled – and WORLD AND BUSINESS TODAY potential for the creation of meaningful products and transactions with reliable and anonymity. The record made to walk - with standard electronic signals. Artificial Intelligence! IoT! Virtual Reality! Technology services. Examples include hospitals using a library of of events is shared between many parties and These robots roughly the size of paramecium, provide is evolving at breakneck speed and has already scanned images to quickly and accurately detect and information once entered cannot be altered. a template to building even more complex versions defined what is next for the world – for the diagnose cancer; insurance companies digitally and Blockchain has the potential to usher in an era of that utilise silicon-based intelligence, can be mass Companies, Competitors and industry. In a survey of automatically recognising and assessing car damage; autonomous digital commerce. produced, and may someday travel through human business leaders, 69% of CEOs expressed worry and security companies trading clunky typed 3-D Printing: 3-D printing creates three-dimensional tissue and blood. The Cornell University-led about the speed of tech change and how they are passwords for voice recognition. objects based on digital models by layering or collaboration is led by professors of physics, struggling to keep pace. Just 20% said they have Augmented Reality: Augmented Reality (AR) is a 'printing' successive layers of materials. 3-D printing researchers. The walking robots are the latest iteration made significant progress in getting smart about visual or audio overlay on the physical world that uses relies on innovative 'inks' including plastic, metal and and in many ways an evolution from microscopic technology and its potential implications for their contextual digital information to augment the user's more recently, glass and wood. 3-D printing has the sensors to graphene-based origami machines. The business. With emerging tech so crucial to future real-world view. AR-enabled smart glasses help potential to turn even large enterprise, small business new robots are about 5 microns thick, 40 microns success, how can one move forward? – These warehouse workers fulfil orders with precision, airline and living room into a factory. wide and range from 40 to 70 microns in length. Each are Essential Eight Convergences: manufacturers assemble planes and electrical workers Robotics: Robots are machines with enhanced bot consists of a simple circuit made from silicon The convergence of these technologies is unlocking make repairs. The power of bringing information to sensing, control and intelligence used to automate, photo-voltaics- which essentially functions as the the new wave of innovation, yielding new business point of action in a seamless, unobtrusive manner is augment or assist human activities. The robot market torso and brain- and four electro-chemical actuators solutions that are greater than the sum of their parts. undeniable. This blending of the physical and virtual is poised for growth in a broad range of service that function as legs. The convergence of emerging technologies will worlds is cracking open a new realm for business applications. These applications are transforming G V V S Nageshwara Rao multiply our capacity to work better, smarter and more across the board to explore. manufacturing and non-manufacturing operations HO: IT seamlessly through technology. Here we are zero-in Drones: Depending on their design, drones vary with new capabilities that address challenges of on these core technologies that matter most for greatly in their capacity. Some drones need wide working in changing, uncertain and uncontrolled business, across every industry globally, over the next spaces to take off, while quadcopters can squeeze into environment, such as alongside humans without five years. These technologies are the building blocks a column of space. Some drones are water based; being a danger to them. that every organisation must consider today. While others can operate and navigate semi-autonomously Ÿ Surgeons today are relying on flexible surgical each company's strategy for how to best exploit – and (via remote control) or fully autonomously (via robots that can safely navigate inside the human combine – them will vary, these technologies will have onboard computers). Companies are using drones for body. Tracking the location of surgical robots The very fact that you woke up this a profound global impact on business, employees and wide-ranging reasons, including surveillance, survey inside the human body has been a difficult part customers. sport, cinematography and delivery. though. Roboticists at the University of California morning, some force above still Artificial Intelligence: Software algorithms are Internet of Things: The Internet of Things (IoT) is a San Diego have come out with an affordable, easy thinks you are the worth of another automating complex decision-making tasks to mimic network of physical objects – devices, vehicles, to use system to track the location of flexible 'Today'. human thought processes and senses. Artificial appliances – embedded with sensors, software, surgical robots inside the human body. Intelligence (AI) is not a monolithic technology. A sub- network connectivity and computing capability that Researchers have designed the system that lets Ramesh Kumar Bung set of AI, machine learning focuses on development of enables them to collect, exchange and act on data, robots learn complicated tasks like setting a dinner computer programs that can teach themselves to usually without human intervention. Industrial IoT table under certain conditions, which they would learn, understand, reason, plan and act when blasted refers to its use in the manufacturing and industrial otherwise find confusing with too many rules to

52 Slay egoism– Ramesh Kumar Bung. Subdue the mind– Ramesh Kumar Bung. 53 sectors, aka Industry 4.0. Both types are integral to the follow. The new system, called Planning with Fourth Industrial Revolution. Uncertain Specifications (PUnS) system, gives Virtual Reality: Virtual Reality (VR) abolishes logical robots human-like planning ability to limitations. In a computer-generated simulation of simultaneously weigh many ambiguous and three-dimensional image or environment, viewers can potential contradictory requirements to reach end use special equipment to interact with the simulation goals according to their study. in realistic ways. The gaming and entertainment Ÿ Roboticists, from the University of Cambridge in industries are obvious proving grounds for VR. collaboration with domestic appliance company However, VR has the potential to transform many Beko, used machinery learning to train the robot other industries as well, especially in the realm of to cook to the necessary level. The mechanical experiential training where workers can be put into arm prepares the omelette, all the way from hazardous, difficult, or cost-prohibitive situations cracking the eggs to plating the finished dish and without the intense risks associated with these refined the 'chef' culinary skills to produce a THE ESSENTIAL EIGHT activities in the physical world. reliable dish that actually tastes good. Blockchain: A blockchain is a distributed digital Ÿ Researchers have created the first microscopic database, or more broadly, a digital ledger that uses robots that incorporate semi-conductor TECHNOLOGIES REVOLUTIONISING THE with data. Machine learning carries enormous software algorithms to record and confirm components, allowing them to be controlled – and WORLD AND BUSINESS TODAY potential for the creation of meaningful products and transactions with reliable and anonymity. The record made to walk - with standard electronic signals. Artificial Intelligence! IoT! Virtual Reality! Technology services. Examples include hospitals using a library of of events is shared between many parties and These robots roughly the size of paramecium, provide is evolving at breakneck speed and has already scanned images to quickly and accurately detect and information once entered cannot be altered. a template to building even more complex versions defined what is next for the world – for the diagnose cancer; insurance companies digitally and Blockchain has the potential to usher in an era of that utilise silicon-based intelligence, can be mass Companies, Competitors and industry. In a survey of automatically recognising and assessing car damage; autonomous digital commerce. produced, and may someday travel through human business leaders, 69% of CEOs expressed worry and security companies trading clunky typed 3-D Printing: 3-D printing creates three-dimensional tissue and blood. The Cornell University-led about the speed of tech change and how they are passwords for voice recognition. objects based on digital models by layering or collaboration is led by professors of physics, struggling to keep pace. Just 20% said they have Augmented Reality: Augmented Reality (AR) is a 'printing' successive layers of materials. 3-D printing researchers. The walking robots are the latest iteration made significant progress in getting smart about visual or audio overlay on the physical world that uses relies on innovative 'inks' including plastic, metal and and in many ways an evolution from microscopic technology and its potential implications for their contextual digital information to augment the user's more recently, glass and wood. 3-D printing has the sensors to graphene-based origami machines. The business. With emerging tech so crucial to future real-world view. AR-enabled smart glasses help potential to turn even large enterprise, small business new robots are about 5 microns thick, 40 microns success, how can one move forward? – These warehouse workers fulfil orders with precision, airline and living room into a factory. wide and range from 40 to 70 microns in length. Each are Essential Eight Convergences: manufacturers assemble planes and electrical workers Robotics: Robots are machines with enhanced bot consists of a simple circuit made from silicon The convergence of these technologies is unlocking make repairs. The power of bringing information to sensing, control and intelligence used to automate, photo-voltaics- which essentially functions as the the new wave of innovation, yielding new business point of action in a seamless, unobtrusive manner is augment or assist human activities. The robot market torso and brain- and four electro-chemical actuators solutions that are greater than the sum of their parts. undeniable. This blending of the physical and virtual is poised for growth in a broad range of service that function as legs. The convergence of emerging technologies will worlds is cracking open a new realm for business applications. These applications are transforming G V V S Nageshwara Rao multiply our capacity to work better, smarter and more across the board to explore. manufacturing and non-manufacturing operations HO: IT seamlessly through technology. Here we are zero-in Drones: Depending on their design, drones vary with new capabilities that address challenges of on these core technologies that matter most for greatly in their capacity. Some drones need wide working in changing, uncertain and uncontrolled business, across every industry globally, over the next spaces to take off, while quadcopters can squeeze into environment, such as alongside humans without five years. These technologies are the building blocks a column of space. Some drones are water based; being a danger to them. that every organisation must consider today. While others can operate and navigate semi-autonomously Ÿ Surgeons today are relying on flexible surgical each company's strategy for how to best exploit – and (via remote control) or fully autonomously (via robots that can safely navigate inside the human combine – them will vary, these technologies will have onboard computers). Companies are using drones for body. Tracking the location of surgical robots The very fact that you woke up this a profound global impact on business, employees and wide-ranging reasons, including surveillance, survey inside the human body has been a difficult part customers. sport, cinematography and delivery. though. Roboticists at the University of California morning, some force above still Artificial Intelligence: Software algorithms are Internet of Things: The Internet of Things (IoT) is a San Diego have come out with an affordable, easy thinks you are the worth of another automating complex decision-making tasks to mimic network of physical objects – devices, vehicles, to use system to track the location of flexible 'Today'. human thought processes and senses. Artificial appliances – embedded with sensors, software, surgical robots inside the human body. Intelligence (AI) is not a monolithic technology. A sub- network connectivity and computing capability that Researchers have designed the system that lets Ramesh Kumar Bung set of AI, machine learning focuses on development of enables them to collect, exchange and act on data, robots learn complicated tasks like setting a dinner computer programs that can teach themselves to usually without human intervention. Industrial IoT table under certain conditions, which they would learn, understand, reason, plan and act when blasted refers to its use in the manufacturing and industrial otherwise find confusing with too many rules to

52 Slay egoism– Ramesh Kumar Bung. Subdue the mind– Ramesh Kumar Bung. 53 WHAT'S THE VALUE OF HUMAN LIFE & UNSPOKEN MESSAGES FROM THE ROAD

HOW IS LIFE INSURANCE COVER CALCULATED? While driving on the road it is the lessons that I can that holds the same number. Which means, there can learn from the road. For example, I really cherished be billions of vehicles all over the world of all forms the L board sign that is given to us when we apply for and yet your car, your scooter, your bike has a number How much life insurance cover should one have? This some percentage each year. Let's assume it increases driving license, learner's license and it's taken away which is the only one of its kind. is one of the most frequent questions in the minds of to cover the inflation of 6% p.a. So in Year 1 (age 33) from you one month later, because they consider you And I think it tells me so are you. In the entirety of the an individual conducting financial planning. Life he earns Rs 10 lakh which increases to Rs 10.6 lakh as a learned person right now. But I firmly believe that universe, there is nobody like you. You're the only one insurance has assumed significance in the pandemic (Rs 10 lakh + 6% of Rs 10 lakh) in Year 2 (age 34) and L board from life should never be removed. The day of your kind. You're uniquely different. There's no one era as many young lives have been lost, leaving so on. you stop learning, you have stopped growing. like you. When I drive, there are a lot of people who families emotionally and economically devastated. Somehow L board when it comes to life should be a In his retirement year he would be earning Rs 48.22 overtake me and go, not only on the road, in life also it Insurance is a unique form of a contract which enables permanent reality. I have this firm belief that when you lakh per annum. By this method he would earn happens. But somehow I smile and tell myself, just the transfer of risk from one party (the insured) to go to learn your driving, the first thing the driving Rs 6.75 crore in his remaining 27 years to retirement, because he's driving faster than me and he will reach another party (the insurer). Insurance needs vary with school teaches you is A, B, C – accelerator, brake and so this should be his human value. This is also not the destination before me doesn't mean I will not people and situations. clutch. It starts with ABC. correct. We would have heard about the time value of reach. He will reach earlier than me, I will reach a little The human-life approach is a method of calculating money. A rupee received today is more valuable than There was a Brazilian coach, every time Brazil loses a later but I will also reach. the amount of life insurance a family would need a rupee received a year later. Why? This is because football match, the next day morning in coaching he'll The question is not will I reach? The question is only, based on the financial loss they would incur if the you could have earned returns in a year by investing hold a football in his hand and tell the entire team, this by when will I reach? Sooner or later? I love that road insured person in the family were to pass away today. the rupee received today or earned interest by lending is called football. Now it was his belief that if you have sign stop, look, proceed. Somewhere in the process of Life insurance is peculiar because of the subjectivity it to somebody. lost a match, it's not because you failed in some involved. What is the value of a human life? Life entire growth and development that we go through in We need to calculate the discounting rate. If the return advanced skill, somewhere on the fundamentals of insurance is about replacing the monetary benefit that life, every now and then you find occasionally the is 10% and inflation 6%, the discounting rate is about team support, you have missed out on the whole an individual provides to their family during their rhythm of life gets disturbed and whenever the rhythm 4%, 3.77% to be precise. It is calculated as 1.1 / 1.06 - thing. So, he used to always believe correct people on lifetime. This is the income that would have been of life is getting disturbed, the best thing that you can 1 (1+return divided by 1+inflation minus 1).Now we the fundamentals, the advanced things will take care available to meet their goals and expenses. This do with human awareness is stop. Look, somewhere have a discounting rate (Rate) of 3.77%, years to of itself, so always he'll start the next day morning guarantees that the family does not suffer hardships something is going wrong. Somewhere something is retirement (Nper) of 27 and annual income (Pmt) of coaching by saying this is football. and is able to meet its lifestyle and milestone goals getting distorted, stop, look, make the corrections and Rs 10 lakh. Human Life Value (HLV) is the present despite the loss of the earning member of the family. We really believe when they teach us A, B, C they're then proceed. Which means, in building an value of all future income that you could expect to telling us, no matter how much you grow in life, if you organization, in building a team, there is a growth The nominee, a member of the aggrieved family, earn for your family. We will have to use the Present lose out on the fundamentals of management, phase and there is a consolidation phase. Every now receives a lump sum amount equal to the life cover Value (PV) function in excel to calculate this amount. fundamentals of team building, fundamentals of and then we have to keep growing, every now and taken by the deceased. This money can then be This will be PV(Discounting rate, Years to Retirement, leadership, fundamentals of language, fundamentals then we have to keep consolidating. invested in fixed deposits, or stocks or mutual funds, Annual Income) or PV(Rate, Nper, Pmt). This comes of health and fitness, you lose big time in life. I really N.S.N. Murthy which would provide them a regular monthly income to Rs 1.67 crore. So, the insurance needed as per love the number that is given to every car, every HO: IT to meet their expenses. Factors to be considered while human life value comes to Rs. 1.67 crore and a person vehicle. In the entire world there is no other vehicle calculating the value of human life: should take a life cover of at least this amount. Current income of the individual P. Venugopal Rao HO: Estates Age of the individual and number of years to RBI TWEAKS NORMS FOR INTEREST ON retirement UNCLAIMED AMOUNT AFTER DEPOSIT MATURES Return on investment and expected inflation Let's assume current income of A is Rs 10 lakh per Drop hatred by forgiving others. The Reserve Bank of India (RBI) on 2nd July, 2021 tweaked the norms for interest on the amount left unclaimed annum. He is 33 years of age and retires at 60. And drop guilt by forgiving with the bank after a term deposit matures. Currently, if a term deposit matures and the proceeds are unpaid, the Suppose a family can earn 10% return on investment yourself. amount left unclaimed with the bank attracts the rate of interest as applicable to savings deposits. per annum and rate of inflation is 6%. This means he 'On a review...it has been decided that if a term deposit (TD) matures and proceeds are unpaid, the amount left has 27 years of earning potential, or years left for him Ramesh Kumar Bung unclaimed with the bank shall attract rate of interest as applicable to savings account or the contracted rate of to make money. So, the total income earned by him till interest on the matured TD, whichever is lower,' the RBI said in a circular. retirement is Rs 270 lakh or Rs 2.7 crore (Rs 10 lakh x 27). This should be the human life value of A. This is The new norms are applicable for deposits in all commercial banks, small finance banks, local area banks, and not correct. His income would have increased by cooperative banks. Term deposit refers to an interest bearing deposit received by the bank for a fixed period. It also includes deposits such as recurring, cumulative, annuity, and reinvestment deposits and cash certificates.

54 He who has no discrimination between right and wrong is really blind– Ramesh Kumar Bung. You can elevate others only if you elevated yourself– Ramesh Kumar Bung. 55 WHAT'S THE VALUE OF HUMAN LIFE & UNSPOKEN MESSAGES FROM THE ROAD

54 He who has no discrimination between right and wrong is really blind– Ramesh Kumar Bung. You can elevate others only if you elevated yourself– Ramesh Kumar Bung. 55 INDIA BANS Why do we waste time? MASTERCARD FROM ISSUING NEW CARDS There are no lazy people in the world, there are only The passion with which you pursue, your goals, your TELUGU - AMERICAN GIRL people with impotent goals and the impotency of their objectives of the future, you got to give everything you IN DATA STORAGE ROW goal does not make them look forward to life. When have got to life and in reciprocation that you gave TO FLY INTO SPACE you hold a goal in front of you which you are excited everything you've got to life, life will reciprocate by about, think about it, those of you find it difficult to giving you everything in return. In that sense, identify The Reserve Bank of India (RBI) on 14th July, 2021 wake up in the morning, for all the reasons that you yourself with a goal, an objective something beyond VIRGIN GALACTIC IS LAUNCHING ITS TEST indefinitely barred Mastercard Inc from issuing new debit can give when your loved one is coming by an early you. I remember one of the times you sharing with me SPACEFLIGHT ON JULY 11 or credit cards to domestic customers for violating data morning flight and you have to go to airport to receive, that you wanted to pursue your MBA and if you really She is strongly connected to her roots in Andhra Pradesh storage rules, dealing a blow to the U.S. company in a key do you have a problem in getting up? In fact, without want to be that, you have to give everything you've but her ambition of flying is now taking her to the skies. market. In a notification, the RBI said Mastercard had not the wakeup call, you wake up five times, why you got, your parents, your loved ones, your teachers. Sirisha Bandla will be the second India-born girl to go complied with data storage rules from 2018 that require have something to look forward to? In fact, Sunday after Sunday and for you Saturday into the space and the first Telugu girl to do so as she is set foreign card networks to store Indian payments data When you played a game when you played a sport evening at Illinois I have given myself to you. to take off on Virgin Galactic's winged rocket ship from "only in India" so the regulator can have "unfettered that you are passionate about, did you ever go Everybody's invested so much of their time and their New Mexico on July 11. Kalpana Chawla was the first supervisory access". "Notwithstanding lapse of through this experience where you felt that you are not life on your growth and your development then how Indian-born woman astronaut to go into space. Born in considerable time and adequate opportunities being able to give your full energy to it, you are not able to do can you even think you can waste your own life which Guntur, she is part of Virgin Galactic, a leading American given, the entity (Mastercard) has been found to be non- it with full intensity, did you ever go through that can contribute so much to your own development and private space agency, that will launch its spacecraft next compliant with the directions," the RBI said. experience, Never, Why? because you have the development of everybody else. Think, they weekend. The team includes English business magnate Mastercard said it was "disappointed" with the RBI's something to look forward to. So identify yourself could have done a lot of things in life what we call is Sir Richard Branson. Sirisha, who is in her early 30s, and decision and that it had provided regular updates on its with a goal that's truly challenging. It can be physical, wasting time. Beth Moses will be the two females in the crew among the compliance with the rules since 2018. "We will continue it can be academic. six Virgin Galactic employees on the trip. to work with them to provide any additional details I could have played a game of golf every Sunday Her father Muralidhar Bandla, an agriculture scientist, required to resolve their concerns," it said in a statement. It can be professional, it can be spiritual, it can be morning. I could have stayed with my family every migrated to the USA for better opportunities after she was The ban takes effect on July 22. The move comes less social. Identify yourself towards an objective larger Sunday morning. Your mother could have pursued born here. He is presently working with the US Embassy than three months after India's central bank barred than yourself and get passionate about it, get excited her career goals and aspirations, your teachers could in India. Her grandfather Ragaiah is also an agriculture American Express and Diners Club International, owned about it. Decide to give everything you've got. You have probably taken lucrative, information scientist and she was raised at his place till she was five. by Discover Financial Services, from issuing new cards heard about the story, I know it's a slight detour, but it's technology career instead of continuing to be On the journey Sirisha is taking on July 11, she tweeted: due to similar violations. linked to what I'm attempting to answer here. It seems schoolteachers, but all the people executed the “I am so incredibly honoured to be a part of the amazing But unlike American Express, which is a relatively small the man was walking in the desert and with what little choices to put their time and life to count in the growth crew of #Unity22, and to be a part of a company whose player in India, companies such as Mastercard and Visa bottle of water that he had, he knew he was left with and development of you and everybody else who mission is to make space available to all”. have partnered with many Indian banks that offer cards just a few ounces, he came across a hand pump and came in contact with them and the only way we can K.C. Chekuri, Dallas-based family friend of the Bandlas, using the U.S. firms' payments network. somewhere when he tried to use the hand pump to get reciprocate all of them is to become something worthy said, “It's a proud moment for all the Telugus across the In 2019, Mastercard said it was "bullish on India", enough water to fill the bottle to tread the remaining in life, something substantial in life and you can only world and an inspiration for generations.” Sirisha's announcing $1 billion in investment over the next five distance as usual air was coming, water was not do it with this resource called time so identify yourself talents were recognised quite early by the Telugu years, in addition to its earlier investment of $1 billion coming and just then he saw a board written there by with something larger than yourself, resolve that community in the USA. The Telugu Association of North from 2014-2019. "It does leave a big vacuum in credit somebody kept on the hand pump pour all the water you're going to give everything of yourself to it and America (TANA) honoured her with TANA Youth Star cards and can come as a good opportunity for Visa ... you've got into the hand pump and pump rigorously never again even think about wasting time, it's Award in its 2014 convention for achieving great Banks will have to start re-negotiating the deals and this you will have enough water to fill your bottle, the man possible. milestones. will be a blow for Mastercard," said Ashvin Parekh, an who was in a dilemma, he had a big mission to make Smitha Kolleri Sirisha, an aeronautical engineering graduate from independent financial services consultant. The RBI's does he preserve those few ounces of water that he HO: Audit Purdue University, is currently working on Government decision will not impact existing customers of Mastercard, has that can carry him through the remaining distance Affairs and Business Development for Virgin Galactic and and the company should advise all card issuing banks in or risk it so that he can get a full bottle of water. its sister company, Virgin Orbit supporting both India to comply with the order, the RBI added. He knew that whatever he had was not enough for LauncherOne and SpaceShipTwo programmes. Earlier, The RBI directive in 2018 sparked an aggressive lobbying him to survive the remaining distance in the desert so she served as the associate director for the Commercial effort from U.S. companies, which said the rules would he decided to risk so he poured whatever he had, in One principle to health – push Spaceflight Federation, an industry association of fact he poured all that he had into that pump and increase their infrastructure costs and hit their global the body. A little more and feel commercial spaceflight companies. She worked on fraud detection platforms, but the central bank did not started pumping it rigorously and there the fountain of various policies with the aim to promote the commercial relent. The order comes as companies such as Mastercard water gushed, he fills the entire bottle, took a pen and the body a little less. space industry and make commercial spaceflight a reality. and Visa also face growing competition from domestic wrote under that board the above advice really works, Ramesh Kumar Bung She also served as an aerospace engineer designing payments network Rupay, which has been promoted by it has worked for me and he kept walking. This entire c o m p o n e n t s f o r a d v a n c e d a i r c r a f t a t L - 3 Prime Minister. In 2018, Mastercard told the U.S. episode demonstrate a moral of life and that is if you Communications in Greenville, Texas. Sirisha will be the government that New Delhi's protectionist policies were want everything from life you have to give everything fourth Indian to fly into space after Rakesh Sharma, hurting foreign payment companies, Reuters has you have got to life, I repeat if you want everything Kalpana Chawla and Sunita Williams. previously reported. from life you have to give everything you have got to life, you the resource, human potential, the time, the resources, your life.

56 It is better to be a whole-hearted world ling than a half-hearted aspirant– Ramesh Kumar Bung. Thoughts repeat themselves through association, habits and practice– Ramesh Kumar Bung. 57 INDIA BANS Why do we waste time? MASTERCARD FROM ISSUING NEW CARDS There are no lazy people in the world, there are only The passion with which you pursue, your goals, your TELUGU - AMERICAN GIRL people with impotent goals and the impotency of their objectives of the future, you got to give everything you IN DATA STORAGE ROW goal does not make them look forward to life. When have got to life and in reciprocation that you gave TO FLY INTO SPACE you hold a goal in front of you which you are excited everything you've got to life, life will reciprocate by about, think about it, those of you find it difficult to giving you everything in return. In that sense, identify The Reserve Bank of India (RBI) on 14th July, 2021 wake up in the morning, for all the reasons that you yourself with a goal, an objective something beyond VIRGIN GALACTIC IS LAUNCHING ITS TEST indefinitely barred Mastercard Inc from issuing new debit can give when your loved one is coming by an early you. I remember one of the times you sharing with me SPACEFLIGHT ON JULY 11 or credit cards to domestic customers for violating data morning flight and you have to go to airport to receive, that you wanted to pursue your MBA and if you really She is strongly connected to her roots in Andhra Pradesh storage rules, dealing a blow to the U.S. company in a key do you have a problem in getting up? In fact, without want to be that, you have to give everything you've but her ambition of flying is now taking her to the skies. market. In a notification, the RBI said Mastercard had not the wakeup call, you wake up five times, why you got, your parents, your loved ones, your teachers. Sirisha Bandla will be the second India-born girl to go complied with data storage rules from 2018 that require have something to look forward to? In fact, Sunday after Sunday and for you Saturday into the space and the first Telugu girl to do so as she is set foreign card networks to store Indian payments data When you played a game when you played a sport evening at Illinois I have given myself to you. to take off on Virgin Galactic's winged rocket ship from "only in India" so the regulator can have "unfettered that you are passionate about, did you ever go Everybody's invested so much of their time and their New Mexico on July 11. Kalpana Chawla was the first supervisory access". "Notwithstanding lapse of through this experience where you felt that you are not life on your growth and your development then how Indian-born woman astronaut to go into space. Born in considerable time and adequate opportunities being able to give your full energy to it, you are not able to do can you even think you can waste your own life which Guntur, she is part of Virgin Galactic, a leading American given, the entity (Mastercard) has been found to be non- it with full intensity, did you ever go through that can contribute so much to your own development and private space agency, that will launch its spacecraft next compliant with the directions," the RBI said. experience, Never, Why? because you have the development of everybody else. Think, they weekend. The team includes English business magnate Mastercard said it was "disappointed" with the RBI's something to look forward to. So identify yourself could have done a lot of things in life what we call is Sir Richard Branson. Sirisha, who is in her early 30s, and decision and that it had provided regular updates on its with a goal that's truly challenging. It can be physical, wasting time. Beth Moses will be the two females in the crew among the compliance with the rules since 2018. "We will continue it can be academic. six Virgin Galactic employees on the trip. to work with them to provide any additional details I could have played a game of golf every Sunday Her father Muralidhar Bandla, an agriculture scientist, required to resolve their concerns," it said in a statement. It can be professional, it can be spiritual, it can be morning. I could have stayed with my family every migrated to the USA for better opportunities after she was The ban takes effect on July 22. The move comes less social. Identify yourself towards an objective larger Sunday morning. Your mother could have pursued born here. He is presently working with the US Embassy than three months after India's central bank barred than yourself and get passionate about it, get excited her career goals and aspirations, your teachers could in India. Her grandfather Ragaiah is also an agriculture American Express and Diners Club International, owned about it. Decide to give everything you've got. You have probably taken lucrative, information scientist and she was raised at his place till she was five. by Discover Financial Services, from issuing new cards heard about the story, I know it's a slight detour, but it's technology career instead of continuing to be On the journey Sirisha is taking on July 11, she tweeted: due to similar violations. linked to what I'm attempting to answer here. It seems schoolteachers, but all the people executed the “I am so incredibly honoured to be a part of the amazing But unlike American Express, which is a relatively small the man was walking in the desert and with what little choices to put their time and life to count in the growth crew of #Unity22, and to be a part of a company whose player in India, companies such as Mastercard and Visa bottle of water that he had, he knew he was left with and development of you and everybody else who mission is to make space available to all”. have partnered with many Indian banks that offer cards just a few ounces, he came across a hand pump and came in contact with them and the only way we can K.C. Chekuri, Dallas-based family friend of the Bandlas, using the U.S. firms' payments network. somewhere when he tried to use the hand pump to get reciprocate all of them is to become something worthy said, “It's a proud moment for all the Telugus across the In 2019, Mastercard said it was "bullish on India", enough water to fill the bottle to tread the remaining in life, something substantial in life and you can only world and an inspiration for generations.” Sirisha's announcing $1 billion in investment over the next five distance as usual air was coming, water was not do it with this resource called time so identify yourself talents were recognised quite early by the Telugu years, in addition to its earlier investment of $1 billion coming and just then he saw a board written there by with something larger than yourself, resolve that community in the USA. The Telugu Association of North from 2014-2019. "It does leave a big vacuum in credit somebody kept on the hand pump pour all the water you're going to give everything of yourself to it and America (TANA) honoured her with TANA Youth Star cards and can come as a good opportunity for Visa ... you've got into the hand pump and pump rigorously never again even think about wasting time, it's Award in its 2014 convention for achieving great Banks will have to start re-negotiating the deals and this you will have enough water to fill your bottle, the man possible. milestones. will be a blow for Mastercard," said Ashvin Parekh, an who was in a dilemma, he had a big mission to make Smitha Kolleri Sirisha, an aeronautical engineering graduate from independent financial services consultant. The RBI's does he preserve those few ounces of water that he HO: Audit Purdue University, is currently working on Government decision will not impact existing customers of Mastercard, has that can carry him through the remaining distance Affairs and Business Development for Virgin Galactic and and the company should advise all card issuing banks in or risk it so that he can get a full bottle of water. its sister company, Virgin Orbit supporting both India to comply with the order, the RBI added. He knew that whatever he had was not enough for LauncherOne and SpaceShipTwo programmes. Earlier, The RBI directive in 2018 sparked an aggressive lobbying him to survive the remaining distance in the desert so she served as the associate director for the Commercial effort from U.S. companies, which said the rules would he decided to risk so he poured whatever he had, in One principle to health – push Spaceflight Federation, an industry association of fact he poured all that he had into that pump and increase their infrastructure costs and hit their global the body. A little more and feel commercial spaceflight companies. She worked on fraud detection platforms, but the central bank did not started pumping it rigorously and there the fountain of various policies with the aim to promote the commercial relent. The order comes as companies such as Mastercard water gushed, he fills the entire bottle, took a pen and the body a little less. space industry and make commercial spaceflight a reality. and Visa also face growing competition from domestic wrote under that board the above advice really works, Ramesh Kumar Bung She also served as an aerospace engineer designing payments network Rupay, which has been promoted by it has worked for me and he kept walking. This entire c o m p o n e n t s f o r a d v a n c e d a i r c r a f t a t L - 3 Prime Minister. In 2018, Mastercard told the U.S. episode demonstrate a moral of life and that is if you Communications in Greenville, Texas. Sirisha will be the government that New Delhi's protectionist policies were want everything from life you have to give everything fourth Indian to fly into space after Rakesh Sharma, hurting foreign payment companies, Reuters has you have got to life, I repeat if you want everything Kalpana Chawla and Sunita Williams. previously reported. from life you have to give everything you have got to life, you the resource, human potential, the time, the resources, your life.

56 It is better to be a whole-hearted world ling than a half-hearted aspirant– Ramesh Kumar Bung. Thoughts repeat themselves through association, habits and practice– Ramesh Kumar Bung. 57 CONSTITUTIONAL AND THE IMPORTANCE recommends of all problems of Backward Classes so as to raise the social, educational and economic NON-CONSTITUTIONAL AGENCIES standards to a higher level. OF CRYING OUT NITI Aayog: National Institution for Transforming India (NITI Aayog replaced the Planning OF HAPPINESS Finance Commission: This constitutional body is functions are similar to those of the Attorney General. Commission) is a think tank that provides policy made for distributing financial resources between Election Commission: It is an independent body recommendations. NITI Aayog provides Government centre and state. The Finance Commission according instituted by the Constitution of India to hold free and at the Union and State levels with appropriate and To live is to live to the point of tears. We no more cry, to Article 280, is constituted by the President once in 5 fare parliamentary elections, assembly elections, timely strategies and advises on key elements like and if you don't cry, it simply means you have lost this years and it comprises a Chairman and four other President and Vice-President Elections. Make up: It national and international economic front, ability to feel your emotions deep. You're living a members appointed by the President. comprises Chief election Commissioner and such dissemination of best practices, infusion of new policy superficial life, and we're not here to live a superficial Comptroller and Auditor-General (CAG): The other commissioners as the President decides from ideas and specific issue-based support. Structure: life. We are here to live a very deep life. Any emotion CAG is the custodian of the entire financial system of time to time. The CEO and other Election Prime Minister is the Chairman. you go through, based on your past conditioning, it the country. The President appoints the person for a Commissioners are appointed by the President for 6 Lokpal: In India, Lokpal is an anti-corruption expresses itself to the world outside. Whenever you go period of 6 years or till the age of 65 years and the rank years. institution who can investigate on complaints received through a emotion which is so deep, and you've never matches that of a Supreme Court Judge. It is his duty Public Service Commission: Union Public from individuals against maladministration by public gone through this… such deep emotion ever in the to see that no money is spent outside the Service Commission (UPSC) is an independent authorities. The position of Lokpal is conceived as the past… because it does not know any other way to Consolidated Fund of India or a state without the constitutional body meant to recruit civil servants at country's watchdog. express, the mind chooses to express it through tears. authority of proper legislation. The CAG report is the union level. It comprises a Chairman and Lokayukta: At the state level, the anti-corruption The spontaneous tears that happens to you is the most presented to the President or the Governor as the case members for 6 years or until age of 65 years. They are institution is called Lokayukta. He/ She is appointed honest of all human expressions because the inability may be and is finally laid before the Parliament or the appointed by the President and the President can also by the Government of the respective state and term of of the mind to deal with the depth of your emotion respective State Assembly. He audits all expenditure remove them. It conducts examinations for office is for 5 years or 65 years of age, whichever is comes out as tears. Mind sometimes manipulates. from the Contingency Funds, public accounts of the appointment to the services of the union and helps the earlier. When tears happen, there is no mind involved. Those Union and the states, all trading, manufacturing, profit states in operating schemes of joint recruitment. National Human Rights Commission: In 1993, of you have never cried out of happiness or you've and loss accounts, receipts and expenditure, State Public Service Commission: It recruits civil NHRC as a statutory body, to act as the watchdog of never shed tears of love, never shed tears out of collection of revenue, allocation of revenue, etc., of servants at the state level. The service conditions of human rights was established in India. It deals with the gratitude, you've never shed tears feeling – how the Union or State. SPSCs members are determined by the Governor rights relating to life, liberty, equality and dignity of the blessed my life is! Attorney General (AG) : The Attorney General is whereas service conditions of Joint PSC are individual guaranteed by the constitution or Somewhere sitting alone and thinking about what sort the highest legal officer of the Government of India determined by President. The Chairman and embodied in the international covenants, enforceable of a brother you have in your life or what sort of a and is appointed by The President. He can hold office members of SPSC are appointed by the respective by courts in India. The commission is a multi-member spouse you have in your life or what sort of children during the pleasure of the President. His qualifications Governments and are appointed for 6 years or until body comprising a Chairman and four members. The you have in life or what a life that you're living right should be like that of a Judge of the Supreme Court. age of 62 years. Chairman and members are appointed by the now… Though AG is not a member of the Cabinet, he has National Commission for Scheduled Castes President. They hold office for a term of 5 years or Somewhere if all this does not create those the right to address in the House of Parliament. and Tribes: The President appoints a National until they reach the age of 70 years. spontaneous tears of feeling so special and so However, he does not have any right to vote. For Commission for SC & ST – comprises a Chairman, a blessed… If you've never had a divine intervention in performing his official duties, the AG is entitled to K. Laxmi Reddy Vice-Chairman and 5 other members. The 65th your life, if you have never had a spiritual experience audience in all courts in India. He gives advice in all HO: Law Amendment Act 1990, give the Commission that caused tears in your life… tears of happiness, legal matters and performs other duties of legal constitutional status. It has power to investigate every tears of love, tears of gratitude, tears of spiritual character, referred to him by the President from time matter relating to rights and protections provided for experiences, tears of feeling very special, tears of to time. He appears before the Supreme Court and SCs and STs under the Constitution and also evaluate success, tears of accomplishment, tears of selflessness, various High Courts in cases involving the the working of the safeguards. It can enquire specific tears of knowing that you touch somebody's life the Government of India. complaints with regard to the denial of rights and way you alone could have touched life or your life was Advocate General The world will follow YOUR : Each state has an Advocate safeguards of SCs and STs. touched by somebody, the way they alone could have General who is similar to Attorney General of India. E X A M P L E A n d n o t Y O U R touched, tears of positivity. National Commission for Backward Classes: He is appointed by the Governor of the respective ADVICE. That's when you know you're living your life to its The President appoints a Commission under Article state and can hold office during the pleasure of the depth. I'll put it this way. It doesn't matter to me how 340, to investigate the conditions of the socially and Umesh Chand Asawa Governor. A person qualified to be a High Court many times you have shed tears for all the negative educationally backward classes. After constitution judge can be appointed as Advocate General. He has emotions of your life, for all the positive emotions that was instituted, two 'Backward Classes Commissions' the right to address and to take part in the proceedings exist in life, if you have never shed tears in your life – were appointed – Kaka Saner Kalekar Committee and of the State Legislative Assembly but cannot vote. His you've not lived at all. You've been existing. BP Mandal Committee. The Commission Ramesh Kumar Bung

58 Egoism is the root of the tree of ignorance– Ramesh Kumar Bung. Hatred, pride, harshness, revenge, anger, cruelty, greed are brutal qualities– Ramesh Kumar Bung. 59 CONSTITUTIONAL AND THE IMPORTANCE recommends of all problems of Backward Classes so as to raise the social, educational and economic NON-CONSTITUTIONAL AGENCIES standards to a higher level. OF CRYING OUT NITI Aayog: National Institution for Transforming India (NITI Aayog replaced the Planning OF HAPPINESS Finance Commission: This constitutional body is functions are similar to those of the Attorney General. Commission) is a think tank that provides policy made for distributing financial resources between Election Commission: It is an independent body recommendations. NITI Aayog provides Government centre and state. The Finance Commission according instituted by the Constitution of India to hold free and at the Union and State levels with appropriate and To live is to live to the point of tears. We no more cry, to Article 280, is constituted by the President once in 5 fare parliamentary elections, assembly elections, timely strategies and advises on key elements like and if you don't cry, it simply means you have lost this years and it comprises a Chairman and four other President and Vice-President Elections. Make up: It national and international economic front, ability to feel your emotions deep. You're living a members appointed by the President. comprises Chief election Commissioner and such dissemination of best practices, infusion of new policy superficial life, and we're not here to live a superficial Comptroller and Auditor-General (CAG): The other commissioners as the President decides from ideas and specific issue-based support. Structure: life. We are here to live a very deep life. Any emotion CAG is the custodian of the entire financial system of time to time. The CEO and other Election Prime Minister is the Chairman. you go through, based on your past conditioning, it the country. The President appoints the person for a Commissioners are appointed by the President for 6 Lokpal: In India, Lokpal is an anti-corruption expresses itself to the world outside. Whenever you go period of 6 years or till the age of 65 years and the rank years. institution who can investigate on complaints received through a emotion which is so deep, and you've never matches that of a Supreme Court Judge. It is his duty Public Service Commission: Union Public from individuals against maladministration by public gone through this… such deep emotion ever in the to see that no money is spent outside the Service Commission (UPSC) is an independent authorities. The position of Lokpal is conceived as the past… because it does not know any other way to Consolidated Fund of India or a state without the constitutional body meant to recruit civil servants at country's watchdog. express, the mind chooses to express it through tears. authority of proper legislation. The CAG report is the union level. It comprises a Chairman and Lokayukta: At the state level, the anti-corruption The spontaneous tears that happens to you is the most presented to the President or the Governor as the case members for 6 years or until age of 65 years. They are institution is called Lokayukta. He/ She is appointed honest of all human expressions because the inability may be and is finally laid before the Parliament or the appointed by the President and the President can also by the Government of the respective state and term of of the mind to deal with the depth of your emotion respective State Assembly. He audits all expenditure remove them. It conducts examinations for office is for 5 years or 65 years of age, whichever is comes out as tears. Mind sometimes manipulates. from the Contingency Funds, public accounts of the appointment to the services of the union and helps the earlier. When tears happen, there is no mind involved. Those Union and the states, all trading, manufacturing, profit states in operating schemes of joint recruitment. National Human Rights Commission: In 1993, of you have never cried out of happiness or you've and loss accounts, receipts and expenditure, State Public Service Commission: It recruits civil NHRC as a statutory body, to act as the watchdog of never shed tears of love, never shed tears out of collection of revenue, allocation of revenue, etc., of servants at the state level. The service conditions of human rights was established in India. It deals with the gratitude, you've never shed tears feeling – how the Union or State. SPSCs members are determined by the Governor rights relating to life, liberty, equality and dignity of the blessed my life is! Attorney General (AG) : The Attorney General is whereas service conditions of Joint PSC are individual guaranteed by the constitution or Somewhere sitting alone and thinking about what sort the highest legal officer of the Government of India determined by President. The Chairman and embodied in the international covenants, enforceable of a brother you have in your life or what sort of a and is appointed by The President. He can hold office members of SPSC are appointed by the respective by courts in India. The commission is a multi-member spouse you have in your life or what sort of children during the pleasure of the President. His qualifications Governments and are appointed for 6 years or until body comprising a Chairman and four members. The you have in life or what a life that you're living right should be like that of a Judge of the Supreme Court. age of 62 years. Chairman and members are appointed by the now… Though AG is not a member of the Cabinet, he has National Commission for Scheduled Castes President. They hold office for a term of 5 years or Somewhere if all this does not create those the right to address in the House of Parliament. and Tribes: The President appoints a National until they reach the age of 70 years. spontaneous tears of feeling so special and so However, he does not have any right to vote. For Commission for SC & ST – comprises a Chairman, a blessed… If you've never had a divine intervention in performing his official duties, the AG is entitled to K. Laxmi Reddy Vice-Chairman and 5 other members. The 65th your life, if you have never had a spiritual experience audience in all courts in India. He gives advice in all HO: Law Amendment Act 1990, give the Commission that caused tears in your life… tears of happiness, legal matters and performs other duties of legal constitutional status. It has power to investigate every tears of love, tears of gratitude, tears of spiritual character, referred to him by the President from time matter relating to rights and protections provided for experiences, tears of feeling very special, tears of to time. He appears before the Supreme Court and SCs and STs under the Constitution and also evaluate success, tears of accomplishment, tears of selflessness, various High Courts in cases involving the the working of the safeguards. It can enquire specific tears of knowing that you touch somebody's life the Government of India. complaints with regard to the denial of rights and way you alone could have touched life or your life was Advocate General The world will follow YOUR : Each state has an Advocate safeguards of SCs and STs. touched by somebody, the way they alone could have General who is similar to Attorney General of India. E X A M P L E A n d n o t Y O U R touched, tears of positivity. National Commission for Backward Classes: He is appointed by the Governor of the respective ADVICE. That's when you know you're living your life to its The President appoints a Commission under Article state and can hold office during the pleasure of the depth. I'll put it this way. It doesn't matter to me how 340, to investigate the conditions of the socially and Umesh Chand Asawa Governor. A person qualified to be a High Court many times you have shed tears for all the negative educationally backward classes. After constitution judge can be appointed as Advocate General. He has emotions of your life, for all the positive emotions that was instituted, two 'Backward Classes Commissions' the right to address and to take part in the proceedings exist in life, if you have never shed tears in your life – were appointed – Kaka Saner Kalekar Committee and of the State Legislative Assembly but cannot vote. His you've not lived at all. You've been existing. BP Mandal Committee. The Commission Ramesh Kumar Bung

58 Egoism is the root of the tree of ignorance– Ramesh Kumar Bung. Hatred, pride, harshness, revenge, anger, cruelty, greed are brutal qualities– Ramesh Kumar Bung. 59 Chances are, you know someone happen if your body is not able to of genetic and environmental factors, like certain with diabetes, that not-so-sweet properly use glucose to produce common childhood viruses, may trigger the disease. disease most associated with sugar. THE 1 CAUSE energy? The two main types of Type 2 diabetes is the most common form of diabetes, TOP 10 Maybe it's your sister, aunt or best diabetes—type 1 and type 2—have affecting between 90 to 95% of people with the friend. Or perhaps you have it. If so, similar tell-tale warning signs, though condition according to the CDC. It is often preceded by RICHEST MINISTERS you're in good company—Halle OF DIABETES, with type 1, onset of symptoms may a period of prediabetes, when there is a greater Berry, Tom Hanks and Nick Jonas are be faster, showing up in a matter of opportunity to halt the progression of the disease. Both among the celebrities that also days or weeks, and tend to be more lifestyle factors and genes play into the development of IN PM MODI'S struggle with diabetes, along with ACCORDING severe. According to the American type 2. Family history of the condition? You are more more than 100 million Americans Diabetes Association, you might likely to develop diabetes as well. Physically inactive who live with diabetes or prediabetes, experience frequent urination, a sign (we're talking to you desk jockeys)—overweight or NEW CABINET according to the Centers for Disease TO SCIENCE that your kidneys are trying to expel obese? These are also major risk factors for developing Control and Prevention. excess sugar in your blood. Extreme type 2 diabetes. Gestational diabetes is a form of the thirst almost always accompanies disease that develops during pregnancy and is brought In fact, it's one of the most common Of the 78 ministers in the recently expanded Union frequent urination because your on by hormonal changes, as well as genetic and lifestyle conditions in the United States, and Cabinet, 90% (or 70 of them) are crorepatis and the body becomes dehydrated from all factors. Hormones made by the placenta contribute to the numbers are growing. Diabetes average assets per minister is Rs 16.24 crore. Four the peeing. In the same vein, lack of insulin resistance in the later trimesters—this happens to has become the 7th largest cause of ministers have been categorised as 'high asset fluid in your body can give you dry all women, but some can't produce enough extra insulin death in the United States. And the ministers' as they have declared assets of more than mouth and itchy skin. You might also to compensate and develop gestational diabetes. Being 10 states with the highest rates of type Rs 50 crore, according to a report by poll rights group, feel increased hunger or have overweight or obese raises the risk of this condition. 2 diabetes are in the South. It's not Association for Democratic Reforms. Here is a look at surprising then that the South has its unexpected weight loss due to your 5. So Tell Me, What's the 1 Cause?: So what is the 1 body's inability to get sufficient the top 10 richest ministers in Prime Minister Narendra own moniker for the disease: "the cause of diabetes? As we said: it's not sugar. High blood Modi's new team: sugar." So you probably think the energy from the food you're eating. sugar is a symptom—not the cause—of diabetes. The 1 1. Jyotiraditya Scindia (Minister of Civil cause of diabetes is pretty self- High blood sugar levels, over time, cause of diabetes is your body's inability to respond Aviation): Total Assets valued at over evident, right? It's the sugar! Think can impact blood flow and cause normally to insulin. nerve damage, which makes healing Rs 379 crore. again. This sweet science report 6. How to Prevent It? : The road to diabetes is paved by 2. Piyush Goyal difficult–slow-healing cuts or sores (Minister of Consumer Affairs, reveals the actual #1 cause. Read many contributing factors, some out of your control, but are another diabetes warning sign. Food and Public Distribution): Total Assets valued on—and to ensure your health and many within. In terms of the most common form of Last, but certainly not least: frequent at over Rs 95 crore. the health of others, don't miss these diabetes, type 2, there's a lot you can do to prevent the 3. Narayan Rane yeast infections for both men and (Minister of Micro, Small and Sure Signs You Have "Long" COVID disease. Move your body. A sedentary lifestyle is now women is another hallmark symptom of diabetes due to Medium Enterprises of India): Total Assets valued and May Not Even Know It. seen as a significant health risk. Walk. Dance. Do yeast feasting on excess sugar in the blood. at over Rs 87 crore. 01.What is Diabetes, Anyway?: Before we get into the something you enjoy, just make sure you move. Eat 4. Rajeev Chandrashekhar 3. How Do I Know I Have It?: Symptoms vary from (Minister of State, cause, we have to define what diabetes is. Diabetes well. You've heard it before, you'll hear it again: you are Electronics and Information Technology): Total occurs when your blood glucose—or blood sugar—is person to person, and also by how much your blood what you eat. A carb-heavy diet is more likely to spike sugar is elevated. According to the NIH, type 1 diabetes Assets valued at over Rs 64 crore. too high. Blood glucose is the body's primary source of your blood sugar, so go easy on the bread, pasta, beer, 5. Kapil Moreshwar Patil (Union Minister of State energy and is derived from the food you eat. Enter symptoms can start quickly, sometimes over just a few rice, and potatoes. A rule of thumb from our friends at in the Ministry of Panchayati Raj): Total assets insulin: a hormone made by your pancreas. Endocrine weeks. With type 2 diabetes, symptoms often develop Eat This, Not That! (and the American Heart valued at over Rs 41 crore. Web shares that "insulin is often described as a key, more slowly, over several years, and for some may be so Association): Eat your colors. Orange (carrots, bell 6. Pankaj Choudhary (Minister of State in the which unlocks the cell to allow sugar to enter the cell and mild that they're not noticeable. In fact, many people peppers). Red (strawberries, raspberries). Green (all the Ministry of Finance): Total assets valued at over be used for energy." But sometimes your body doesn't with type 2 diabetes actually have no symptoms, and greens from broccoli to kale to peas). Blue (blueberries, Rs 37 crore. make enough insulin—or any at all—or just doesn't only find out they have the disease when they develop blackberries). Keep your weight in normal range. If you 7. Meenakshi Lekhi (Minister of State in the utilize insulin well. What happens then is that glucose diabetes-related health problems like increased thirst are struggling with losing weight, see your doctor and Ministry of External Affairs): Total assets valued at stays in your blood, and doesn't reach your and urination or heart trouble. It's key to pay attention ask for a referral to a nutritionist. Together, you can over Rs 36 crore. cells—causing glucose to build up in the blood, spiking to what's happening in your body—if something feels come up with a plan that you can live happily with. off, don't ignore it: go see your doctor and get checked 8. Hardeep Singh Puri (Minister of Petroleum and your blood sugar levels. Having too much glucose in 7. What to Do When You Notice Symptoms: If you out. Natural Gas and Minister of Housing and Urban your blood can cause some pretty significant health notice symptoms like frequent urination and immense problems. 4. Here are the Top Contributing Factors—Broken Out Affairs in India): Total assets valued at over thirst together, or have cuts that are slow to heal, talk to Rs 26 crore. There are several types of diabetes: type 1, type 2, by Diabetes Type: Type 1 diabetes can occur at any age, your healthcare provider. If you catch diabetes in the 9. Ashwini Vaishnaw (Minister of Railways, gestational, and for those on the cusp, prediabetes. in people of all races, shapes, and sizes–and accounts prediabetes stage, a smart regimen of regular exercise Communications and Electronics & Information While each is distinct, they all share the same underlying for 10% of all cases of diabetes according to the NIH. It and a healthy (often low-carb) diet can actually prevent Technology): Total assets valued at over issues with blood sugar. Type 1 and type 2 diabetes are occurs most frequently in people of European descent. you from developing the disease! And to get through Rs 17 crore. chronic conditions. Pre-diabetes is a precursor to This type of diabetes occurs when your immune system this pandemic at your healthiest, don't miss these 35 10. Dr Bhagwat Kishanrao Karad (Minister of chronic diabetes, and gestational diabetes often attacks and destroys the insulin-producing beta cells of Places You're Most Likely to Catch COVID. the pancreas. Researchers do not know exactly what State, Ministry of Finance): Total assets valued at resolves on its own after the baby is born. Kothanda Raman causes type 1 diabetes—but believe that a combination over Rs 14 crore. 2. And What Happens if You Have It?: So what can HO: Clearing

60 Humility, patience, courage, integrity are divine qualities– Ramesh Kumar Bung. Real religion is beyond argument. It can only be lived– Ramesh Kumar Bung. 61 Chances are, you know someone happen if your body is not able to of genetic and environmental factors, like certain with diabetes, that not-so-sweet properly use glucose to produce common childhood viruses, may trigger the disease. disease most associated with sugar. THE 1 CAUSE energy? The two main types of Type 2 diabetes is the most common form of diabetes, TOP 10 Maybe it's your sister, aunt or best diabetes—type 1 and type 2—have affecting between 90 to 95% of people with the friend. Or perhaps you have it. If so, similar tell-tale warning signs, though condition according to the CDC. It is often preceded by RICHEST MINISTERS you're in good company—Halle OF DIABETES, with type 1, onset of symptoms may a period of prediabetes, when there is a greater Berry, Tom Hanks and Nick Jonas are be faster, showing up in a matter of opportunity to halt the progression of the disease. Both among the celebrities that also days or weeks, and tend to be more lifestyle factors and genes play into the development of IN PM MODI'S struggle with diabetes, along with ACCORDING severe. According to the American type 2. Family history of the condition? You are more more than 100 million Americans Diabetes Association, you might likely to develop diabetes as well. Physically inactive who live with diabetes or prediabetes, experience frequent urination, a sign (we're talking to you desk jockeys)—overweight or NEW CABINET according to the Centers for Disease TO SCIENCE that your kidneys are trying to expel obese? These are also major risk factors for developing Control and Prevention. excess sugar in your blood. Extreme type 2 diabetes. Gestational diabetes is a form of the thirst almost always accompanies disease that develops during pregnancy and is brought In fact, it's one of the most common Of the 78 ministers in the recently expanded Union frequent urination because your on by hormonal changes, as well as genetic and lifestyle conditions in the United States, and Cabinet, 90% (or 70 of them) are crorepatis and the body becomes dehydrated from all factors. Hormones made by the placenta contribute to the numbers are growing. Diabetes average assets per minister is Rs 16.24 crore. Four the peeing. In the same vein, lack of insulin resistance in the later trimesters—this happens to has become the 7th largest cause of ministers have been categorised as 'high asset fluid in your body can give you dry all women, but some can't produce enough extra insulin death in the United States. And the ministers' as they have declared assets of more than mouth and itchy skin. You might also to compensate and develop gestational diabetes. Being 10 states with the highest rates of type Rs 50 crore, according to a report by poll rights group, feel increased hunger or have overweight or obese raises the risk of this condition. 2 diabetes are in the South. It's not Association for Democratic Reforms. Here is a look at surprising then that the South has its unexpected weight loss due to your 5. So Tell Me, What's the 1 Cause?: So what is the 1 body's inability to get sufficient the top 10 richest ministers in Prime Minister Narendra own moniker for the disease: "the cause of diabetes? As we said: it's not sugar. High blood Modi's new team: sugar." So you probably think the energy from the food you're eating. sugar is a symptom—not the cause—of diabetes. The 1 1. Jyotiraditya Scindia (Minister of Civil cause of diabetes is pretty self- High blood sugar levels, over time, cause of diabetes is your body's inability to respond Aviation): Total Assets valued at over evident, right? It's the sugar! Think can impact blood flow and cause normally to insulin. nerve damage, which makes healing Rs 379 crore. again. This sweet science report 6. How to Prevent It? : The road to diabetes is paved by 2. Piyush Goyal difficult–slow-healing cuts or sores (Minister of Consumer Affairs, reveals the actual #1 cause. Read many contributing factors, some out of your control, but are another diabetes warning sign. Food and Public Distribution): Total Assets valued on—and to ensure your health and many within. In terms of the most common form of Last, but certainly not least: frequent at over Rs 95 crore. the health of others, don't miss these diabetes, type 2, there's a lot you can do to prevent the 3. Narayan Rane yeast infections for both men and (Minister of Micro, Small and Sure Signs You Have "Long" COVID disease. Move your body. A sedentary lifestyle is now women is another hallmark symptom of diabetes due to Medium Enterprises of India): Total Assets valued and May Not Even Know It. seen as a significant health risk. Walk. Dance. Do yeast feasting on excess sugar in the blood. at over Rs 87 crore. 01.What is Diabetes, Anyway?: Before we get into the something you enjoy, just make sure you move. Eat 4. Rajeev Chandrashekhar 3. How Do I Know I Have It?: Symptoms vary from (Minister of State, cause, we have to define what diabetes is. Diabetes well. You've heard it before, you'll hear it again: you are Electronics and Information Technology): Total occurs when your blood glucose—or blood sugar—is person to person, and also by how much your blood what you eat. A carb-heavy diet is more likely to spike sugar is elevated. According to the NIH, type 1 diabetes Assets valued at over Rs 64 crore. too high. Blood glucose is the body's primary source of your blood sugar, so go easy on the bread, pasta, beer, 5. Kapil Moreshwar Patil (Union Minister of State energy and is derived from the food you eat. Enter symptoms can start quickly, sometimes over just a few rice, and potatoes. A rule of thumb from our friends at in the Ministry of Panchayati Raj): Total assets insulin: a hormone made by your pancreas. Endocrine weeks. With type 2 diabetes, symptoms often develop Eat This, Not That! (and the American Heart valued at over Rs 41 crore. Web shares that "insulin is often described as a key, more slowly, over several years, and for some may be so Association): Eat your colors. Orange (carrots, bell 6. Pankaj Choudhary (Minister of State in the which unlocks the cell to allow sugar to enter the cell and mild that they're not noticeable. In fact, many people peppers). Red (strawberries, raspberries). Green (all the Ministry of Finance): Total assets valued at over be used for energy." But sometimes your body doesn't with type 2 diabetes actually have no symptoms, and greens from broccoli to kale to peas). Blue (blueberries, Rs 37 crore. make enough insulin—or any at all—or just doesn't only find out they have the disease when they develop blackberries). Keep your weight in normal range. If you 7. Meenakshi Lekhi (Minister of State in the utilize insulin well. What happens then is that glucose diabetes-related health problems like increased thirst are struggling with losing weight, see your doctor and Ministry of External Affairs): Total assets valued at stays in your blood, and doesn't reach your and urination or heart trouble. It's key to pay attention ask for a referral to a nutritionist. Together, you can over Rs 36 crore. cells—causing glucose to build up in the blood, spiking to what's happening in your body—if something feels come up with a plan that you can live happily with. off, don't ignore it: go see your doctor and get checked 8. Hardeep Singh Puri (Minister of Petroleum and your blood sugar levels. Having too much glucose in 7. What to Do When You Notice Symptoms: If you out. Natural Gas and Minister of Housing and Urban your blood can cause some pretty significant health notice symptoms like frequent urination and immense problems. 4. Here are the Top Contributing Factors—Broken Out Affairs in India): Total assets valued at over thirst together, or have cuts that are slow to heal, talk to Rs 26 crore. There are several types of diabetes: type 1, type 2, by Diabetes Type: Type 1 diabetes can occur at any age, your healthcare provider. If you catch diabetes in the 9. Ashwini Vaishnaw (Minister of Railways, gestational, and for those on the cusp, prediabetes. in people of all races, shapes, and sizes–and accounts prediabetes stage, a smart regimen of regular exercise Communications and Electronics & Information While each is distinct, they all share the same underlying for 10% of all cases of diabetes according to the NIH. It and a healthy (often low-carb) diet can actually prevent Technology): Total assets valued at over issues with blood sugar. Type 1 and type 2 diabetes are occurs most frequently in people of European descent. you from developing the disease! And to get through Rs 17 crore. chronic conditions. Pre-diabetes is a precursor to This type of diabetes occurs when your immune system this pandemic at your healthiest, don't miss these 35 10. Dr Bhagwat Kishanrao Karad (Minister of chronic diabetes, and gestational diabetes often attacks and destroys the insulin-producing beta cells of Places You're Most Likely to Catch COVID. the pancreas. Researchers do not know exactly what State, Ministry of Finance): Total assets valued at resolves on its own after the baby is born. Kothanda Raman causes type 1 diabetes—but believe that a combination over Rs 14 crore. 2. And What Happens if You Have It?: So what can HO: Clearing

60 Humility, patience, courage, integrity are divine qualities– Ramesh Kumar Bung. Real religion is beyond argument. It can only be lived– Ramesh Kumar Bung. 61 THE NATIONAL INSIGNIA MORAL RESPONSIBILITY 01. National Emblem: The Sarnath Lion, at the the male and lacks tail. QUIZ capital of Asoka's empire, was adopted as the State 11. National Heritage Animal: In order to increase TO BE RICH Emblem of India on 26th January, 1950, the day when the population of Asiatic elephants, the largest India became a Republic. The words 'Satyameva Here are some interesting questions about India and mammal species on land, the ministry of environment Financial surplus in the hands of a good human being Jayate (Truth alone triumphs) from the Mundaka has declared it the National Heritage Animal. Around the world we live in. Let's see how many of these you will build a better world; financial surplus in the hands Upanishad is inscribed below in abacus Devanagari 60% of the population live in India. get right. Go ahead, test your IQ! script. It is also the nation's motto. It is preserved in the 12. National Aquatic Animal: River Dolphin is of a bad human being will destroy the existing world. Sarnath Museum. critically endangered species in India. Therefore, it has 01. What was the code name of the first nuclear tests A few crores in your hands and assuming one of you is 02. National Flag: India's national flag is a horizontal been put in Schedule 1 of the Wildlife Protection Act, conducted by India on May 18, 1974, in a good person, that I leave the decision to you, lot tri-colour of deep saffron (Kesari- representing courage 1972. Poaching, degradation of habitat, siltation, Pokhran, Rajasthan? more good will happen to the world. A few crores in and sacrifice) at the top, white (peace and truth) in the pollution and reduced flow of river water are threats to 02. India won its first Olympic hockey gold in? the hands of a bad human being, two more buildings middle and dark green (faith and chivalry) at the its existence. will come down; some more bombs will be created, bottom. The ratio of the width of the flag to its length is 13. Indian Standard Time (IST) : India has only one 03. Which was the first Indian company to be listed some more suicide squads will be built all over the 2: 3. In the centre of white band is a wheel, in navy blue. standard time. It is 5.5 hours ahead of GMT/UTC, 4.5 on Nasdaq? world. Can anybody lend me a note, currency note? Its design is that of a wheel (chakra) with 24 spokes on hours behind Australian Eastern Standard Time and the abacus. The design of the national flag was adopted 04. Which is the oldest mountain range in India? I'll promise to give you back. nd 10.5 hours ahead of American Eastern Standard Time. by the Constituent Assembly of India on 22 July, 14. National Calendar: At the time of A good human being walks past that hundred rupee 1947. 05. What is Queen Elizabeth's surname? independence, the Government of India followed the note, and he says “This is not my money, so I will not 03. National Anthem: “Jana Gana Mana 06. In which north Indian city is the Kumbh Mela Gregorian calendar based on the Christian era. The take it. This is not my money; I will not take it.” A bad Adhinayaka Jayahe....” written by Rabindranath never held? National Government adopts the recommendation of human being walks in; he finds that hundred rupee Tagore is the national anthem of India. Originally the Calendar Reforms Committee that the Saka era be 07. Economic liberalisation process in India began written in Bengali, it is the first of five stanzas of a poem adopted as the basis of the national calendar. The Saka note, he takes it. If I had picked up that hundred rupee written and later set to notations by Rabindranath year has the normal 365 days and begins with Chaitra in...? note, I might have done something good to the world Tagore. It was first sung in the Calcutta Session of the as its first month. The days of the Saka calendar have a 08. For how many days was the battle of with that, even if I feel it does not belong to me. He has Indian National Congress on December 27, 1911. permanent correspondence with the dates of the Kurukshetra in The Mahabharata fought? picked up… he'll buy a knife right now with that and 04. National Song: The song 'Vande Mataram' Gregorian Calendar, Chaitra 1 falling on March 22 in a hurt few more people. We keep saying, looking at him composed by Bankimchandra Chaterjee has an equal normal year and March 21 in a Leap Year. The 09. What does the 'AC' button on a calculator stand hurt a few people, we keep saying there is a lot of bad status with the National Anthem. The first political National Calendar commenced on Chaitra 1 Saka, for? that is happening in the world because of bad people. occasion when it was sung was the 1896 session of the 1879 corresponding to March 22, 1955 A.D. INC. The months of the National calendar with their days 10. What is a baby rabbit called? No, a lot of bad is happening in the world because 05. National Flower : Lotus is the national flower of and the dates of the Gregorian Calendar 11. Krishna Pandit Bhanji is better known as…? good people are not executing their responsibilities. India. It is sacred flower and occupies a unique position corresponding to the first day of the Saka month are So somewhere, if I had picked up that hundred rupee 12. Where in the world can you drive on the world's in the art and mythology of India and is an auspicious given below: note I wouldn't have allowed the bad person to pick symbol of Indian culture. highest motorable road? Saka Gregorian that hundred rupee note. The amount of official 06. National River: River Ganges is the longest in 13. This village in India has no locks or doors. currency, especially after demonetization, that's India, flowing over 2510 kilometres. It is originally in 1 Chaitra 30/31 days March 22/21 the Gangotri glacier in the Himalayas as the Bhagirathi 1 Vaishakha April 21 14. Where is the world's largest sundial located?. available in the world is supposed to be a constant; River and is joined by downstream rivers like the 1 Jyaistha 31 May 22 either that hundred rupee can be with him or it can be 15. What is the hash-tag symbol (#) technically Alaknanda, Yamuna, Son, Gumti, Kosi and Ghagra. 1 Ashadha 31 June 22 with me, it cannot be with both the people. 07. National Tree called? : The Indian Banyan tree has 1 Sravana 31 July 23 Which means, if all good people strive to become rich, branches that root themselves like new trees over a 1 Bhadra 31 August 23 16. US President Abraham Lincoln was also an bad people won't have the money that is required to large area. This tree is considered immortal and is an 1 Asvina 30 September 23 accomplished... integral part of the myths and legends in India. Even do what is wrong and what is bad. There is only one 1 Kartika 30 October 23 today, the banyan tree is the focal point of village life. 17. Where is the world's only floating Post Office way to vanquish all the evil in the world. There's only 1 Margasira 30 November 22 08. National Animal: The combination of grace, situated? one way to vanquish all the evil in the world. Talks will strength, agility and enormous power has earned the 1 Pausa 30 December 22 not help. Military will not help. Security measures will 18. Which country is the largest producer of false tiger, the title the national animal of India. Out of 8 eight 1 Magha 30 January 21 not help. There is only one way all the evil in the world teeth? existing species, the Roayal Bengal Tiger is the rarest. 1 Phalguna 30 February 20 can be destroyed, all the bad people should become To protect the most dwindling population of tigers in 15. National Monument: India Gate, one of the 19. What was Netflix originally called? poor. And there's only one way all the bad people in India, 'Project Tiger' was launched in April 1973. largest memorials situated in the heart of New Delhi, is the world can become poor, all good people have to 09. National Fruit: The mango tree is one of the most 20. How many dents (dimples) does an average golf the National Monument of India. It was erected in become rich. Being rich is not just a choice; I think it's a widely cultivated fruit tree in India. There are 100 memory of 90000 soldiers who lost their lives fighting ball have? varieties of mangoes, in different size, shape, colours moral responsibility. Every good human being has the in the World War I and Afghan War for the British Army. G. Nanda Kumar and taste. moral responsibility to be rich, so that, that financial It was designed by Sir Edwin Lutyens. Earlier, it was HO: PAD 10. National Bird: The Indian peacock the national called All India War Memory. surplus can be utilized for the betterment of the world. bird of India, has beautiful velvet feathers and a slender Amaram Vani K. D. Sharma neck. The female is brownish and slightly smaller than HO: Despatch (Answers on Page No. : 76) HO: Clearing

62 Action follows thought– Ramesh Kumar Bung. To live is to think and act– Ramesh Kumar Bung. 63 THE NATIONAL INSIGNIA MORAL RESPONSIBILITY 01. National Emblem: The Sarnath Lion, at the the male and lacks tail. QUIZ capital of Asoka's empire, was adopted as the State 11. National Heritage Animal: In order to increase TO BE RICH Emblem of India on 26th January, 1950, the day when the population of Asiatic elephants, the largest India became a Republic. The words 'Satyameva Here are some interesting questions about India and mammal species on land, the ministry of environment Financial surplus in the hands of a good human being Jayate (Truth alone triumphs) from the Mundaka has declared it the National Heritage Animal. Around the world we live in. Let's see how many of these you will build a better world; financial surplus in the hands Upanishad is inscribed below in abacus Devanagari 60% of the population live in India. get right. Go ahead, test your IQ! script. It is also the nation's motto. It is preserved in the 12. National Aquatic Animal: River Dolphin is of a bad human being will destroy the existing world. Sarnath Museum. critically endangered species in India. Therefore, it has 01. What was the code name of the first nuclear tests A few crores in your hands and assuming one of you is 02. National Flag: India's national flag is a horizontal been put in Schedule 1 of the Wildlife Protection Act, conducted by India on May 18, 1974, in a good person, that I leave the decision to you, lot tri-colour of deep saffron (Kesari- representing courage 1972. Poaching, degradation of habitat, siltation, Pokhran, Rajasthan? more good will happen to the world. A few crores in and sacrifice) at the top, white (peace and truth) in the pollution and reduced flow of river water are threats to 02. India won its first Olympic hockey gold in? the hands of a bad human being, two more buildings middle and dark green (faith and chivalry) at the its existence. will come down; some more bombs will be created, bottom. The ratio of the width of the flag to its length is 13. Indian Standard Time (IST) : India has only one 03. Which was the first Indian company to be listed some more suicide squads will be built all over the 2: 3. In the centre of white band is a wheel, in navy blue. standard time. It is 5.5 hours ahead of GMT/UTC, 4.5 on Nasdaq? world. Can anybody lend me a note, currency note? Its design is that of a wheel (chakra) with 24 spokes on hours behind Australian Eastern Standard Time and the abacus. The design of the national flag was adopted 04. Which is the oldest mountain range in India? I'll promise to give you back. nd 10.5 hours ahead of American Eastern Standard Time. by the Constituent Assembly of India on 22 July, 14. National Calendar: At the time of A good human being walks past that hundred rupee 1947. 05. What is Queen Elizabeth's surname? independence, the Government of India followed the note, and he says “This is not my money, so I will not 03. National Anthem: “Jana Gana Mana 06. In which north Indian city is the Kumbh Mela Gregorian calendar based on the Christian era. The take it. This is not my money; I will not take it.” A bad Adhinayaka Jayahe....” written by Rabindranath never held? National Government adopts the recommendation of human being walks in; he finds that hundred rupee Tagore is the national anthem of India. Originally the Calendar Reforms Committee that the Saka era be 07. Economic liberalisation process in India began written in Bengali, it is the first of five stanzas of a poem adopted as the basis of the national calendar. The Saka note, he takes it. If I had picked up that hundred rupee written and later set to notations by Rabindranath year has the normal 365 days and begins with Chaitra in...? note, I might have done something good to the world Tagore. It was first sung in the Calcutta Session of the as its first month. The days of the Saka calendar have a 08. For how many days was the battle of with that, even if I feel it does not belong to me. He has Indian National Congress on December 27, 1911. permanent correspondence with the dates of the Kurukshetra in The Mahabharata fought? picked up… he'll buy a knife right now with that and 04. National Song: The song 'Vande Mataram' Gregorian Calendar, Chaitra 1 falling on March 22 in a hurt few more people. We keep saying, looking at him composed by Bankimchandra Chaterjee has an equal normal year and March 21 in a Leap Year. The 09. What does the 'AC' button on a calculator stand hurt a few people, we keep saying there is a lot of bad status with the National Anthem. The first political National Calendar commenced on Chaitra 1 Saka, for? that is happening in the world because of bad people. occasion when it was sung was the 1896 session of the 1879 corresponding to March 22, 1955 A.D. INC. The months of the National calendar with their days 10. What is a baby rabbit called? No, a lot of bad is happening in the world because 05. National Flower : Lotus is the national flower of and the dates of the Gregorian Calendar 11. Krishna Pandit Bhanji is better known as…? good people are not executing their responsibilities. India. It is sacred flower and occupies a unique position corresponding to the first day of the Saka month are So somewhere, if I had picked up that hundred rupee 12. Where in the world can you drive on the world's in the art and mythology of India and is an auspicious given below: note I wouldn't have allowed the bad person to pick symbol of Indian culture. highest motorable road? Saka Gregorian that hundred rupee note. The amount of official 06. National River: River Ganges is the longest in 13. This village in India has no locks or doors. currency, especially after demonetization, that's India, flowing over 2510 kilometres. It is originally in 1 Chaitra 30/31 days March 22/21 the Gangotri glacier in the Himalayas as the Bhagirathi 1 Vaishakha April 21 14. Where is the world's largest sundial located?. available in the world is supposed to be a constant; River and is joined by downstream rivers like the 1 Jyaistha 31 May 22 either that hundred rupee can be with him or it can be 15. What is the hash-tag symbol (#) technically Alaknanda, Yamuna, Son, Gumti, Kosi and Ghagra. 1 Ashadha 31 June 22 with me, it cannot be with both the people. 07. National Tree called? : The Indian Banyan tree has 1 Sravana 31 July 23 Which means, if all good people strive to become rich, branches that root themselves like new trees over a 1 Bhadra 31 August 23 16. US President Abraham Lincoln was also an bad people won't have the money that is required to large area. This tree is considered immortal and is an 1 Asvina 30 September 23 accomplished... integral part of the myths and legends in India. Even do what is wrong and what is bad. There is only one 1 Kartika 30 October 23 today, the banyan tree is the focal point of village life. 17. Where is the world's only floating Post Office way to vanquish all the evil in the world. There's only 1 Margasira 30 November 22 08. National Animal: The combination of grace, situated? one way to vanquish all the evil in the world. Talks will strength, agility and enormous power has earned the 1 Pausa 30 December 22 not help. Military will not help. Security measures will 18. Which country is the largest producer of false tiger, the title the national animal of India. Out of 8 eight 1 Magha 30 January 21 not help. There is only one way all the evil in the world teeth? existing species, the Roayal Bengal Tiger is the rarest. 1 Phalguna 30 February 20 can be destroyed, all the bad people should become To protect the most dwindling population of tigers in 15. National Monument: India Gate, one of the 19. What was Netflix originally called? poor. And there's only one way all the bad people in India, 'Project Tiger' was launched in April 1973. largest memorials situated in the heart of New Delhi, is the world can become poor, all good people have to 09. National Fruit: The mango tree is one of the most 20. How many dents (dimples) does an average golf the National Monument of India. It was erected in become rich. Being rich is not just a choice; I think it's a widely cultivated fruit tree in India. There are 100 memory of 90000 soldiers who lost their lives fighting ball have? varieties of mangoes, in different size, shape, colours moral responsibility. Every good human being has the in the World War I and Afghan War for the British Army. G. Nanda Kumar and taste. moral responsibility to be rich, so that, that financial It was designed by Sir Edwin Lutyens. Earlier, it was HO: PAD 10. National Bird: The Indian peacock the national called All India War Memory. surplus can be utilized for the betterment of the world. bird of India, has beautiful velvet feathers and a slender Amaram Vani K. D. Sharma neck. The female is brownish and slightly smaller than HO: Despatch (Answers on Page No. : 76) HO: Clearing

62 Action follows thought– Ramesh Kumar Bung. To live is to think and act– Ramesh Kumar Bung. 63 DIGITAL AND BRANCHLESS: WHY SHOULD WE THE BIG STRUCTURAL REFORM Digital Banks are the Future: Of course, the most important reform is relaxing the logjam in the banking THAT INDIAN BANKING NEEDS sector by allowing new banks to come in. The LIVE FOR TODAY? experiment with Small Finance Banks (SFB) is ongoing but their impact on the economy is limited at Small Enterprises, Big Crunch India's second COVID wave is abating, the lockdowns : The traditional the moment. It is time for the regulator to look at have been lifted yet the economy is in uncharted banks have always shied away from micro, small and digital banks and address the issue of branchless Today is a providential gift which either He gives it to you or nobody else can give it to you. There's no other territory, humming tentatively as a third wave lurks medium enterprises or MSMEs because of risk banking. threateningly in the background. The tentative aversion and the sheer challenge of managing the way to have it. Money cannot buy a today in your life. It does not make sense for the regulator to shy away recovery needs the momentum of reforms to roar. An unwieldy numbers of small borrowers, a task that such A man, who all his life, saved his money, saved his from the biggest global trend—digital banks—that is money, saved his money and right now he was having anaemic post-pandemic growth will not do, banks are ill-equipped for. This risk aversion shaping banking, due to unresolved issues. 50 crores of saving with him, decided now I'm going to fundamental reforms are needed to create the combined with the slowdown of credit off take means Branchless banking is a contentious issue as enjoy my life. And the day he decided, now I want to momentum. that the revival will be slow and protracted. Though traditional banks are opposing it for newcomers. enjoy my life and use this 50 crores, somebody was the government has launched a credit guarantee Earlier, reforms used to be “important”; with a limping Banks that are saddled with branches bear fixed standing in front of him. scheme to revive the credit to the sector. It is not going economy now threatening to go into a comatose state, establishment costs, salaries of employees, rentals and He asked, who are you? You have come without my to be sufficient as NPA-burdened banks are always reforms need to be undertaken with a never-before other costs. All these costs are a large part of the total permission and he said my name is death. I only show wary of lending to this sector. The uncertainty in sense of urgency. Some sectors have been irreversibly costs. Moreover, Indian public sector banks have up to people to whom I have come. He said, this is not several sectors means that companies are going into changed, some things will never be the same again. opened hundreds of branches which are not fair. When are you planning to take me? He said right withdrawal mode. A few are still 'talking' about now. No, no just now I counted, I have 50 crores with The pandemic has reduced household savings and financially viable. Most of these branches have been expansion or investment but there is no sign of an me and only now I've decided to enjoy it you cannot may have even changed the outlook towards opened in rural and backward areas under regulatory upsurge in the investment cycle. The policy makers come. Death said, but I don't come with invitation, I discretionary spending in the mid-term. The loss of duress. Hence they do not want new competitors the savings cushion is due to cut in wages, loss of jobs, cannot continue to play a tweak here or there—the come and invite. You have to come. Man said, see, coming in with branchless banking in the form of please if you want you take 25 crores, give me at least or in the worst case, the disappearance of certain jobs. reforms have to be structural. digital banks. The regulator is also more concerned one month of life, I'll enjoy that remaining 25 crores Many families have lost their primary breadwinners; One structural reform needed is in the financial about the status-quo and is chary of a disruption. and then come. the loss of savings due to healthcare costs will also system. A banking system burdened by non- COVID has further exacerbated the financial viability Look at the mentality of man. Even on the threshold of reduce their consumption in the mid-term. performing assets (NPAs) and aversion to risk is of branches as customers have moved most of their death, he is willing to give only 25 crores, not working at less than optimum level. Several sectors Despite interest rates being at a 20-year low, our large transactions online. Once comfortable with banking complete 50 crores. So, I'll give you 25 crores are credit starved and several others need lower cost corporations have deleveraged their balance sheets or moving transactions online it is the rare few who negotiation. Death said, I don't think you understand of capital. The regulator has been shying away from and reduced their debt. According to an analysis of will come back to interacting at the branch. The how I operate. I don't negotiate. Your time has come, I risk; it does not want new players to enter as it is not have to take. Man says, I will give you entire 50 crores India's top 15 industrial sectors by our largest bank, digitally deprived will still need to be at branches and sure whether it will be able to handle them. The yaa. Just give me one day in life. Death said, I can't the State Bank of India, nearly $22.8 billion worth of they are more likely to be in backward areas or among regulator has burdened the non-banking sectors with give you another moment in life. Man pleaded, at debt was pared down last year. Traditional industries the urban disadvantaged. The regulator has to so many regulations that they have hardly any least give me one moment in life. Death yielded said, like steel, fertilizers, mining, mineral products and address the emerging scenario of branchless banking. freedom to function. Deposit mobilization is so okay, whatever you want to do, do it for one moment. textiles have reduced their debt by more than Rs 1.5 Moreover, it also has to consider that the lack of digital heavily controlled that it goes into the coffers of NPA- He ran to his scribbling pad and wrote there in the trillion last year, and this trend is continuing this year. banking prevents the economy from benefiting from burdened banks where it is frittered away on existing scribbling pad all of you have money immediately lower cost of capital. The entry of digital banks will These are not good signals for private capital borrowers. start enjoying it. And then he added a note. I just now formation and it is likely to push economic growth lead to expansion of the credit market and credit- realized, even with 50 crores, I could not buy one Regulators do not differentiate between a large NBFC downwards. Credit and economic growth feed upon starved segments will get access at a right rate. This is a minute of life with it. If He doesn't give it, you don't each other. Economists call it bidirectional causality and a small NBFC. While a large non-banking structural reform that is needed now as it will force the have it. Then how should this today be received? With meaning one affects the other's growth. To boost financial company or NBFC can be a systemic risk a banking sector to improve its efficiency. And any frustration, with negative thoughts, with anger, grassroots economic activity in post-COVID India smaller NBFC is unlikely to be one. NBFCs are also improvement in efficiency in the financial sector of the shouting at people, making an issue for small, small when corporate revenues have been squeezed and essential for ensuring credit reaches specific regions or economy has a salubrious impact on the whole things, should there not be peace in the house in the growth is uncertain, credit especially at a competitive segments. Hence regulations should tighten with size, economy. morning? Should not the fragrance of a morning in rate should now be targeted at the small and medium say above Rs 50,000 crore, and for a group. The the home be one of gratitude? Hanuman Das Sarda enterprises, India's largest employers. flexibility for smaller NBFCs may ease up the credit D. Prabhakar crunch for smaller companies. AGM: IT HO: GST

64 Thoughts and action moulds one’s character– Ramesh Kumar Bung. Belief determinates conduct– Ramesh Kumar Bung. 65 DIGITAL AND BRANCHLESS: WHY SHOULD WE THE BIG STRUCTURAL REFORM Digital Banks are the Future: Of course, the most important reform is relaxing the logjam in the banking THAT INDIAN BANKING NEEDS sector by allowing new banks to come in. The LIVE FOR TODAY? experiment with Small Finance Banks (SFB) is ongoing but their impact on the economy is limited at Small Enterprises, Big Crunch India's second COVID wave is abating, the lockdowns : The traditional the moment. It is time for the regulator to look at have been lifted yet the economy is in uncharted banks have always shied away from micro, small and digital banks and address the issue of branchless Today is a providential gift which either He gives it to you or nobody else can give it to you. There's no other territory, humming tentatively as a third wave lurks medium enterprises or MSMEs because of risk banking. threateningly in the background. The tentative aversion and the sheer challenge of managing the way to have it. Money cannot buy a today in your life. It does not make sense for the regulator to shy away recovery needs the momentum of reforms to roar. An unwieldy numbers of small borrowers, a task that such A man, who all his life, saved his money, saved his from the biggest global trend—digital banks—that is money, saved his money and right now he was having anaemic post-pandemic growth will not do, banks are ill-equipped for. This risk aversion shaping banking, due to unresolved issues. 50 crores of saving with him, decided now I'm going to fundamental reforms are needed to create the combined with the slowdown of credit off take means Branchless banking is a contentious issue as enjoy my life. And the day he decided, now I want to momentum. that the revival will be slow and protracted. Though traditional banks are opposing it for newcomers. enjoy my life and use this 50 crores, somebody was the government has launched a credit guarantee Earlier, reforms used to be “important”; with a limping Banks that are saddled with branches bear fixed standing in front of him. scheme to revive the credit to the sector. It is not going economy now threatening to go into a comatose state, establishment costs, salaries of employees, rentals and He asked, who are you? You have come without my to be sufficient as NPA-burdened banks are always reforms need to be undertaken with a never-before other costs. All these costs are a large part of the total permission and he said my name is death. I only show wary of lending to this sector. The uncertainty in sense of urgency. Some sectors have been irreversibly costs. Moreover, Indian public sector banks have up to people to whom I have come. He said, this is not several sectors means that companies are going into changed, some things will never be the same again. opened hundreds of branches which are not fair. When are you planning to take me? He said right withdrawal mode. A few are still 'talking' about now. No, no just now I counted, I have 50 crores with The pandemic has reduced household savings and financially viable. Most of these branches have been expansion or investment but there is no sign of an me and only now I've decided to enjoy it you cannot may have even changed the outlook towards opened in rural and backward areas under regulatory upsurge in the investment cycle. The policy makers come. Death said, but I don't come with invitation, I discretionary spending in the mid-term. The loss of duress. Hence they do not want new competitors the savings cushion is due to cut in wages, loss of jobs, cannot continue to play a tweak here or there—the come and invite. You have to come. Man said, see, coming in with branchless banking in the form of please if you want you take 25 crores, give me at least or in the worst case, the disappearance of certain jobs. reforms have to be structural. digital banks. The regulator is also more concerned one month of life, I'll enjoy that remaining 25 crores Many families have lost their primary breadwinners; One structural reform needed is in the financial about the status-quo and is chary of a disruption. and then come. the loss of savings due to healthcare costs will also system. A banking system burdened by non- COVID has further exacerbated the financial viability Look at the mentality of man. Even on the threshold of reduce their consumption in the mid-term. performing assets (NPAs) and aversion to risk is of branches as customers have moved most of their death, he is willing to give only 25 crores, not working at less than optimum level. Several sectors Despite interest rates being at a 20-year low, our large transactions online. Once comfortable with banking complete 50 crores. So, I'll give you 25 crores are credit starved and several others need lower cost corporations have deleveraged their balance sheets or moving transactions online it is the rare few who negotiation. Death said, I don't think you understand of capital. The regulator has been shying away from and reduced their debt. According to an analysis of will come back to interacting at the branch. The how I operate. I don't negotiate. Your time has come, I risk; it does not want new players to enter as it is not have to take. Man says, I will give you entire 50 crores India's top 15 industrial sectors by our largest bank, digitally deprived will still need to be at branches and sure whether it will be able to handle them. The yaa. Just give me one day in life. Death said, I can't the State Bank of India, nearly $22.8 billion worth of they are more likely to be in backward areas or among regulator has burdened the non-banking sectors with give you another moment in life. Man pleaded, at debt was pared down last year. Traditional industries the urban disadvantaged. The regulator has to so many regulations that they have hardly any least give me one moment in life. Death yielded said, like steel, fertilizers, mining, mineral products and address the emerging scenario of branchless banking. freedom to function. Deposit mobilization is so okay, whatever you want to do, do it for one moment. textiles have reduced their debt by more than Rs 1.5 Moreover, it also has to consider that the lack of digital heavily controlled that it goes into the coffers of NPA- He ran to his scribbling pad and wrote there in the trillion last year, and this trend is continuing this year. banking prevents the economy from benefiting from burdened banks where it is frittered away on existing scribbling pad all of you have money immediately lower cost of capital. The entry of digital banks will These are not good signals for private capital borrowers. start enjoying it. And then he added a note. I just now formation and it is likely to push economic growth lead to expansion of the credit market and credit- realized, even with 50 crores, I could not buy one Regulators do not differentiate between a large NBFC downwards. Credit and economic growth feed upon starved segments will get access at a right rate. This is a minute of life with it. If He doesn't give it, you don't each other. Economists call it bidirectional causality and a small NBFC. While a large non-banking structural reform that is needed now as it will force the have it. Then how should this today be received? With meaning one affects the other's growth. To boost financial company or NBFC can be a systemic risk a banking sector to improve its efficiency. And any frustration, with negative thoughts, with anger, grassroots economic activity in post-COVID India smaller NBFC is unlikely to be one. NBFCs are also improvement in efficiency in the financial sector of the shouting at people, making an issue for small, small when corporate revenues have been squeezed and essential for ensuring credit reaches specific regions or economy has a salubrious impact on the whole things, should there not be peace in the house in the growth is uncertain, credit especially at a competitive segments. Hence regulations should tighten with size, economy. morning? Should not the fragrance of a morning in rate should now be targeted at the small and medium say above Rs 50,000 crore, and for a group. The the home be one of gratitude? Hanuman Das Sarda enterprises, India's largest employers. flexibility for smaller NBFCs may ease up the credit D. Prabhakar crunch for smaller companies. AGM: IT HO: GST

64 Thoughts and action moulds one’s character– Ramesh Kumar Bung. Belief determinates conduct– Ramesh Kumar Bung. 65 UPI TRANSACTIONS HIT 2.8 BILLION IN JUNE, IS GOING TO ALL-TIME HIGH AS LOCKDOWN LIFTS WORK A STRUGGLE?

In an interesting turn of events, the monthly Unified value of these transactions across the various "The moment I use the word 'my job is a problem for happiness in life. Never going to know happiness in Payments Interface (UPI) ecosystem across India saw payment gateways came up to around Rs 4,90,638 me' and problem by its definition means 'I have no life. Most of your working hours are your waking a massive spike in activity. After the disastrous second crore. The change from the previous month to June control over it'." hours. So, a person who's not happy at work is not wave of COVID-19 that swept across the country, the indicates a nearly 10% increase in activity and The moment I use the word my job is a problem for me happy in life. Most of your working hours are your uptick in UPI activity went through the roof after the consumer habits. and problem by its definition means I have no control waking hours. So, a person who's not happy at work is staggered lockdown curbs were lifted in various stages This increase also points to the revival of businesses over it. I can't do anything about it. I'm helpless, and not happy in life. across India. post the second wave and the ensuing pandemic when you feel I have no control over it when you feel So, you want to be transformed you're thinking. I While lockdown during the peak pandemic months of lockdown in May. The other branches of NPCI, such I'm helpless. When you think it's beyond your control, should learn the latest technology. I should do an 2021 caused the number of transactions to drop as Bharat Bill Payment System (BBPS), Aadhaar how will you correct it? You can't correct it. So, you feel executive MBA. I should do another certification. severely, the post-wave activity more than Enabled Payment System (AePS), National victimized by being in this job. Before you do anything else, your attitude towards compensates for that. Data released by the National Electronic Toll Collection (NETC), and even When I say my job is challenging, the only difference work should change. Work should become a Payments Corporation of India (NPCI), on Thursday, Immediate Payment Service (IMPS) saw an uptake in between problem and challenge is… I'm not saying by celebration.Work should become an expression. Work should become a means of growth and showed that the number of transactions seen during activity and transactions in the month of June, with saying it's challenging it's easy, but by saying it's prosperity. Work should be an expression of your the month of June was approximately 2.80 billion May showing a noticeable drop in activity. challenging, I'm telling myself, but I can do something about it. It's still in my control. I can develop my happiness. Work should be a direction to your with a worth of around Rs 5,47,373 crore on the UPI For FASTags, the growth showed 157.86 million competence, or I can change the quality of my potential. interface platforms. While the over-arching data was transactions at a value of Rs 2576.28 crore as relationship with my boss. I can empower my team Work should be an expression of your released by NPCI, the data for individual payment opposed to the transactions numbers in May which differently. We can re-strategize the methodology with happiness. gateways has not yet been released. stood at 116.48 million at a value of Rs 2,125.16 which we work so that we still finish the project within Work should be a direction to your potential. This number shows a significant rise in the number of crore. The upward trend suggests an increase in the timeline that has been prescribed to us. And Work should be the means through which I can transactions, especially when compared to previous mobility after the lockdown. BBPS saw 45.47 million whether you see it as a challenge or whether you see it achieve my goals and desires in mind. When I change months of April and May. In April the total count came transactions being conducted on its platform. as a problem, changes an entire approach to it. the definition of work, then because please up to 2.64 billion transactions at a worth of around Rs Similarly, AePS and IMPS also saw a boost of 87.56 Whether you see it as a challenge or whether understand, if you don't have the certification, you 4,93,633. In the month of May, these numbers only million transactions and 303.7 million transactions you see it as a problem, changes an entire can recruit somebody with that certification. If you slightly increased as the staggered lockdowns and respectively. The cross-platform increase in activity approach to it. don't have that capability, you can associate with curbs on restrictions started to ease in different parts of indicates that people are becoming more and more So, which means somebody sitting here a 32 and 33 somebody with that capability. But if your attitude the country. The count in May was around 2.53 billion reliant on UPI based services and online transactions. with not less than 25 years of career ahead of you. If towards work is not right, that is not acceptable. transactions conducted nationwide, while the total you continue to see your work life as a life of a Umesh Chand Asawa problem, sweetheart you're never going to know BUSINESSMAN BUYS A DOZEN MANGOES FROM 11-YEAR-OLD GIRL FOR RS 1.2 LAKH; FIND OUT WHY WIMBLEDON 2021: The COVID-19 pandemic has forced education systems worldwide to find alternatives to face-face instruction. INDIAN-AMERICAN While online education has been a 'blessing in disguise' in many ways, it has also exposed various challenges that it poses, especially in the rural areas. The lack of resources like smartphones and laptops has made it difficult for SAMIR BANERJEE WINS many students to adapt to learning in the new normal. Jamshedpur-based Tulsi Kumar (11) was undergoing the same struggles, until she managed to sell a dozen BOYS' SINGLES TITLE mangoes for Rs 1.2 lakh. Surprised? We are too! There have been several heartwarming stories that have come to the surface, just like this one. Mumbai-based businessman Ameya Hetehad heard of Kumar's ordeal on a regional Samir Banerjee became the first India-American player to win a Grand Slam boys' singles title, beating compatriot news channel. What struck him about this young girl was how she didn't seek sympathy. Instead, she wanted to Viktor Lilov 7-5, 6-3 in one hour and 21 minutes in the final at the Wimbledon championships on 11th July, 2021. use her savings from the sale of mangoes to buy a smartphone for her educational needs. Samir, 17, suffered a wobble while serving for the opening set at 5-3 and lost his serve, allowing Viktor to level Hete transferred Rs 1, 20,000 to the girl's father's account with which the parents bought her a phone. “We are scores at 5-5. However, he regrouped himself and won the next two games to pocket the first set. He again raced proud of you Tulsi for setting an example and not submitting to your reality. 'Where there is a will, there is always a through the second set, breaking his opponent's serve in the sixth game to take 4-2 lead. way',” Hete tweeted. He also gifted her smartphone worth Rs 13,000 and a year-long internet connection, to Viktor broke back in the next game, raising hopes of another fight back. But Samir did not give him that ensure that Kumar can bring her dreams to life. “Tulsi is a very smart and hardworking student. We are happy if she opportunity and sealed victory by winning the next game. Though Indian-American players like Prakash Amritraj completes her education with the help we have given. We will continue to help her when she needs it," Hete told and his cousin Stephen Amritraj have played on the circuit and won some titles too, Samir is the first to win the the media. boys singles title at a Grand Slam. Four Indians — Ramanathan Krishnan, Ramesh Krishnan, Leander Paes and Yuki Bhambri — have won the boys' singles title at Grand Slam events. V. Jyothi, HO: PAD

66 Thought determinates character– Ramesh Kumar Bung. Man is changed by every thought he thinks, by every action he does– Ramesh Kumar Bung. 67 UPI TRANSACTIONS HIT 2.8 BILLION IN JUNE, IS GOING TO ALL-TIME HIGH AS LOCKDOWN LIFTS WORK A STRUGGLE?

66 Thought determinates character– Ramesh Kumar Bung. Man is changed by every thought he thinks, by every action he does– Ramesh Kumar Bung. 67 Born as Fatima Rashid on June 1, MOTHER INDIA Awaara: Directed by Raj Kapur, 1929, legendary actress Nargis is Awaara stars Nargis opposite the LAST-MINUTE TAX widely regarded as one of the TO ANDAZ, showman himself. The film revolves HOW TO INVITE greatest of the Hindi film industry. In around the intertwining lives of poor an active Bollywood career that 5 MEMORABLE Raj (Kapoor) and privileged Rita SAVINGS: FEW spanned for nearly two decades, PERFORMANCES (Nargis). AN EPIPHANY? Nargis delivered some of the most Raat Aur Din: Director Satyen Bose's COMMON MISTAKES iconic characters of the Indian film OF THE ICONIC Raat Aur Din earned Nargis her first- industry. Her performance was not ever National Film Awards for Best Life is all about a few triggers which hit you as hard as it only loved by the fans, but it also Actress. She played the character of ACTRESS NARGIS had to hit you when it hit you. Few triggers. That's all is YOU MUST AVOID received critical acclaim. Varuna, a married woman who has required. You just have to be thrown in the equivalent After marriage with Sunil Dutt in dissociative identity disorder. By day, of an experience in the platform. And the intensity with 1958, Nargis slowly star ted she is a homemaker, while at night which a “Mohandas Karamchand Gandhi” goes Those of us who wait until the last minute to plan taxes distancing herself from films to focus she calls herself Peggy and walks the through that entire experience, it creates an 'ever since' are bound to make some major mistakes. While you on her family and her three children- streets of Calcutta. moment in his life. Ever since “Mohandas might manage to increase your total tax deductions Namrata, Priya and Sanjay Dutt. Shree 420: The iconic on-screen pair Karamchand Gandhi” was thrown in that platform, with last-minute decisions, your investments may not Sadly, her life was tragically cut short of Raj Kapoor and Nargis was seen after that the rest of his life can never be the same align with your financial plans. This can also affect at the age of 51 due to pancreatic once again in 1955's highest- again. your monthly income due to the sudden and cancer. Nargis left behind a legacy grossing film, Shree 420. In the film, Ever since “Siddhartha” saw the dead body being unplanned outflow of money. Follow these tips to that is cherished by Bollywood fans Nargis plays the character of Vidya, a carried and the suffering of the people around – ever avoid such mistakes. even now. We look back at her poor but virtuous city girl who has a since. The intensity with which he processes that entire Taxable income: Calculate your tax liability illustrated career and list some of her soft corner for country boy Raj. experience. One experience that's all is required. And correctly: A common mistake while calculating tax most iconic performances. However, Raj is soon seduced by an the intensity with which you go through that entire liability is focusing only on the income tax on the salary Mother India: In Mehboob Khan's unscrupulous lifestyle and ends up experience, you author an 'ever since' moment in your and avoiding other sources of income. Interest earned Oscar-Nominated Mother India, becoming a conman. life and your life becomes ever since that incident, ever from deposits, capital gains from stocks, mutual funds, Nargis essayed the role of a poor Andaz: Director Mehboob Khan's since that realization, ever since that experience. It can gold, rent, etc. should be considered as taxable village woman named Radha, who Andaz featured three of the most be in a novel. It can be in a movie. It can be while income. If you do not calculate this correctly, you will struggles to single-handedly raise her sons and survive iconic film stars of that era. The film centred around the reading an article. It can be while writing an article. It not be able to analyze the exact deductions that you against a cunning moneylender. Interestingly, the love triangle of Dilip Kumar, Raj Kapur and Nargis. She can be while speaking. It can be by listening. need to aim. actress was just 28 years old while playing the character played the character of Neena. It can be just observing an argument going on between Saved tax: Consider the taxes that you have already of this elderly woman. Nargis' future husband Sunil Pradeep Deshpande two people and just the intensity with which you saved: All working individuals will receive a standard Dutt played the character of her son. observed that entire experience, something about you deduction if they pay house rent, school fees, etc. HO: F&A can change forever. Ever. You can never be the same Hence, it is important to be aware of and calculate the person again and life is gifting us these experiences all amount of tax that you have already saved before the time. We just have to be present with complete making any further adjustments. The Employee THE NAMES OF THINGS YOU PROBABLY DO NOT KNOW awareness and intensity and you can author your own Provident Fund (EPF) contribution by your company, epiphany. In a moment, a divine intervention happens housing loans, etc. are a few other factors that you 01. The space between your eyebrows is called 12. The 'na na na' and 'la la la', which do not really and who you were and who you are, everything has should take into consideration. Glabellas. have any meaning in the lyric of any song are changed. Insurance: Select your insurance policies wisely: Petrichor called Vocables. 02. The way it smells after it rains is called . A decision that you could not take for 20-years. For 20- Buying insurance makes you eligible to meet the 03. The plastic or metallic coating at the end of your 13. When you combine a question mark with an years you have been thinking. I think I should not Aglet Section 80C requirement for tax-saving. However, shoelaces is called an . exclamation mark (?,!), it is referred to as an continue to do this, but I should do something else. For some insurance plans will have endowment and ULIPs Wamble Interrobang 04. When your stomach rumbles, that is a . . 20-years, you have been thinking. I think I want to that have an associated investment risk in the Vagitus 05. The cry of a new born baby is called a . 14. The space between your nostrils is called come out of this rut. I want to come out of this investment portfolio that is borne by the policyholder. Tines Columella Nasi 06. The prongs of a fork are called . . monotony. I want to come out of this drill. I've done this Choosing an insurance policy that is not subjected to 07. The sheen of light that you see when you close 15. The armhole in clothes, where the sleeves are for too long. For 20-years, you have been thinking and market risks will ensure the safety of your family and Armscye your eyes and press your hands on them is called sewn, is called . you couldn't and some of that day, during that tax-saving component as well. Phosphenes. 16. Finding it difficult to get out of bed in the morning experience at that moment. Return rate: Invest separately in small scale savings is called Dysania. 08. The tiny plastic thing placed in the middle of a A decision that seemed a struggle for 20 years you and insurance plans: Being aware of your eligible pizza box is called a Box Tent. 17. Illegible handwriting is called Griffonage. executed with effortless ease. You just decided, from Tittle returns under the various investment avenues such as 09. The day after tomorrow is also called 18. The dot over an 'i' or 'j' is called . now onwards this is what it's going to be and you just EPF, NPS, PPF, and ELSS is important. This will help Overmorrow . 19. The sick feeling you get after eating or drinking too crossed the line. That's all it takes. One of the greatest you choose your investment options wisely. Further, Minimus Crapulence 10. Your little toe or finger is called the . much is called . gifts you can give yourself as a seeker in life is the investing separately in savings and insurance plans is 11. The wire cage that holds the cork on a bottle of 20. The metal thing used to measure your feet at the intensity with which you live your life. recommended by experts. ELSS and VPF enable Aggraffe Bannock Device champagne is called an . shoe store is called . Ghanshyam Baldewa small-scale savings in line with one's risk tolerance and Sheela Jaiswal M. G. Road Branch a term plan or health insurance for your insurance Ameerpet Branch requirements.

68 Obey the law, you are blessed, disobey the law, you are injured– Ramesh Kumar Bung. He who has mastery over the mind is invincible– Ramesh Kumar Bung. 69 Born as Fatima Rashid on June 1, MOTHER INDIA Awaara: Directed by Raj Kapur, 1929, legendary actress Nargis is Awaara stars Nargis opposite the LAST-MINUTE TAX widely regarded as one of the TO ANDAZ, showman himself. The film revolves HOW TO INVITE greatest of the Hindi film industry. In around the intertwining lives of poor an active Bollywood career that 5 MEMORABLE Raj (Kapoor) and privileged Rita SAVINGS: FEW spanned for nearly two decades, PERFORMANCES (Nargis). AN EPIPHANY? Nargis delivered some of the most Raat Aur Din: Director Satyen Bose's COMMON MISTAKES iconic characters of the Indian film OF THE ICONIC Raat Aur Din earned Nargis her first- industry. Her performance was not ever National Film Awards for Best Life is all about a few triggers which hit you as hard as it only loved by the fans, but it also Actress. She played the character of ACTRESS NARGIS had to hit you when it hit you. Few triggers. That's all is YOU MUST AVOID received critical acclaim. Varuna, a married woman who has required. You just have to be thrown in the equivalent After marriage with Sunil Dutt in dissociative identity disorder. By day, of an experience in the platform. And the intensity with 1958, Nargis slowly star ted she is a homemaker, while at night which a “Mohandas Karamchand Gandhi” goes Those of us who wait until the last minute to plan taxes distancing herself from films to focus she calls herself Peggy and walks the through that entire experience, it creates an 'ever since' are bound to make some major mistakes. While you on her family and her three children- streets of Calcutta. moment in his life. Ever since “Mohandas might manage to increase your total tax deductions Namrata, Priya and Sanjay Dutt. Shree 420: The iconic on-screen pair Karamchand Gandhi” was thrown in that platform, with last-minute decisions, your investments may not Sadly, her life was tragically cut short of Raj Kapoor and Nargis was seen after that the rest of his life can never be the same align with your financial plans. This can also affect at the age of 51 due to pancreatic once again in 1955's highest- again. your monthly income due to the sudden and cancer. Nargis left behind a legacy grossing film, Shree 420. In the film, Ever since “Siddhartha” saw the dead body being unplanned outflow of money. Follow these tips to that is cherished by Bollywood fans Nargis plays the character of Vidya, a carried and the suffering of the people around – ever avoid such mistakes. even now. We look back at her poor but virtuous city girl who has a since. The intensity with which he processes that entire Taxable income: Calculate your tax liability illustrated career and list some of her soft corner for country boy Raj. experience. One experience that's all is required. And correctly: A common mistake while calculating tax most iconic performances. However, Raj is soon seduced by an the intensity with which you go through that entire liability is focusing only on the income tax on the salary Mother India: In Mehboob Khan's unscrupulous lifestyle and ends up experience, you author an 'ever since' moment in your and avoiding other sources of income. Interest earned Oscar-Nominated Mother India, becoming a conman. life and your life becomes ever since that incident, ever from deposits, capital gains from stocks, mutual funds, Nargis essayed the role of a poor Andaz: Director Mehboob Khan's since that realization, ever since that experience. It can gold, rent, etc. should be considered as taxable village woman named Radha, who Andaz featured three of the most be in a novel. It can be in a movie. It can be while income. If you do not calculate this correctly, you will struggles to single-handedly raise her sons and survive iconic film stars of that era. The film centred around the reading an article. It can be while writing an article. It not be able to analyze the exact deductions that you against a cunning moneylender. Interestingly, the love triangle of Dilip Kumar, Raj Kapur and Nargis. She can be while speaking. It can be by listening. need to aim. actress was just 28 years old while playing the character played the character of Neena. It can be just observing an argument going on between Saved tax: Consider the taxes that you have already of this elderly woman. Nargis' future husband Sunil Pradeep Deshpande two people and just the intensity with which you saved: All working individuals will receive a standard Dutt played the character of her son. observed that entire experience, something about you deduction if they pay house rent, school fees, etc. HO: F&A can change forever. Ever. You can never be the same Hence, it is important to be aware of and calculate the person again and life is gifting us these experiences all amount of tax that you have already saved before the time. We just have to be present with complete making any further adjustments. The Employee THE NAMES OF THINGS YOU PROBABLY DO NOT KNOW awareness and intensity and you can author your own Provident Fund (EPF) contribution by your company, epiphany. In a moment, a divine intervention happens housing loans, etc. are a few other factors that you 01. The space between your eyebrows is called 12. The 'na na na' and 'la la la', which do not really and who you were and who you are, everything has should take into consideration. Glabellas. have any meaning in the lyric of any song are changed. Insurance: Select your insurance policies wisely: Petrichor called Vocables. 02. The way it smells after it rains is called . A decision that you could not take for 20-years. For 20- Buying insurance makes you eligible to meet the 03. The plastic or metallic coating at the end of your 13. When you combine a question mark with an years you have been thinking. I think I should not Aglet Section 80C requirement for tax-saving. However, shoelaces is called an . exclamation mark (?,!), it is referred to as an continue to do this, but I should do something else. For some insurance plans will have endowment and ULIPs Wamble Interrobang 04. When your stomach rumbles, that is a . . 20-years, you have been thinking. I think I want to that have an associated investment risk in the Vagitus 05. The cry of a new born baby is called a . 14. The space between your nostrils is called come out of this rut. I want to come out of this investment portfolio that is borne by the policyholder. Tines Columella Nasi 06. The prongs of a fork are called . . monotony. I want to come out of this drill. I've done this Choosing an insurance policy that is not subjected to 07. The sheen of light that you see when you close 15. The armhole in clothes, where the sleeves are for too long. For 20-years, you have been thinking and market risks will ensure the safety of your family and Armscye your eyes and press your hands on them is called sewn, is called . you couldn't and some of that day, during that tax-saving component as well. Phosphenes. 16. Finding it difficult to get out of bed in the morning experience at that moment. Return rate: Invest separately in small scale savings is called Dysania. 08. The tiny plastic thing placed in the middle of a A decision that seemed a struggle for 20 years you and insurance plans: Being aware of your eligible pizza box is called a Box Tent. 17. Illegible handwriting is called Griffonage. executed with effortless ease. You just decided, from Tittle returns under the various investment avenues such as 09. The day after tomorrow is also called 18. The dot over an 'i' or 'j' is called . now onwards this is what it's going to be and you just EPF, NPS, PPF, and ELSS is important. This will help Overmorrow . 19. The sick feeling you get after eating or drinking too crossed the line. That's all it takes. One of the greatest you choose your investment options wisely. Further, Minimus Crapulence 10. Your little toe or finger is called the . much is called . gifts you can give yourself as a seeker in life is the investing separately in savings and insurance plans is 11. The wire cage that holds the cork on a bottle of 20. The metal thing used to measure your feet at the intensity with which you live your life. recommended by experts. ELSS and VPF enable Aggraffe Bannock Device champagne is called an . shoe store is called . Ghanshyam Baldewa small-scale savings in line with one's risk tolerance and Sheela Jaiswal M. G. Road Branch a term plan or health insurance for your insurance Ameerpet Branch requirements.

68 Obey the law, you are blessed, disobey the law, you are injured– Ramesh Kumar Bung. He who has mastery over the mind is invincible– Ramesh Kumar Bung. 69 MUMBAI AMONG TOP 20 MOST EXPENSIVE CITIES VETERAN INDIAN CRICKETER FOR EXPATRIATES: COST OF LIVING INDEX YASHPAL SHARMA PASSES AWAY DUE TO A MASSIVE CARDIAC ARREST Despite the paradox, human effort is always towards Mercer's Cost of Living city ranking are Shanghai (6), seeking a life of 'excess'. While it's all nice and Singapore (7), Geneva (8), Beijing (9) and Bern (10). philosophical to think that the world must shift towards More than half of the top ten cities globally are from a more egalitarian society, in reality there is never equal In a heartbreaking development, former Indian leading run-scorer- a 115- Asia. Mumbai (78) remains among the top 20 most cricketer and the 1983 World Cup-winner, Yashpal ball 61 that helped his side distribution of wealth. Take for instance the cost of expensive cities for expatriates in Asia, despite the drop living in various cities of the world. Mercer's cost of Sharma has passed away due to a massive cardiac chase down 214. in ranking. The world's least expensive cities for arrest on Tuesday, July 13, 2021. Born on August 11, living information provides all the key elements you international employees, according to Mercer's survey, As far as domestic cricket is 1954, the 66-year-old Yashpal Sharma was regarded need to set fair cost of living allowances as well as the are Tbilisi (207), Lusaka (208) and Bishkek (209). Take concerned, Yashpal Sharma scored 8933 FC runs in as one of the most gifted middle-order batter during supporting information required so that all a look at the detailed list of the top 10 most expensive 193 matches which includes 21 centuries and the his era. The veteran cricketer from Ludhiana made his stakeholders can understand the compensation cities and how Indian cities fare: highest score of 201*. Sharma, who was involved in package. international debut against England in 1979 and he various administrative roles with the BCCI, Punjab 1. Ashgabat, Turkmenistan went on to represent his country in 37 Tests, scoring Mercer is the leading provider of data on cost of living and Haryana Cricket Associations post his retirement, 2. Hong Kong, Hong Kong (SAR) 1606 runs at an average of just over 33 with nine fifties and housing for employees sent to work abroad. As was also a popular face on new channels where he and a couple of hundreds. part of the ongoing research, Mercer produces these 3. Beirut, Lebanon used to give his valuable insights on the game. annual rankings of the cost of living in more than 200 of 4. Tokyo, Japan The former middle-order batter made his ODI debut G. Amarnath the most prevalent assignment destinations for 5. Zurich, Switzerland against Pakistan the following year and went on to HO: Estates expatriate employees. The rankings demonstrate how feature in 42 matches, including the 1983 World Cup 6. Shanghai, China currency fluctuation and shifts in the prices of goods semi-final against England where he was India's and services can affect the purchasing power of 7. Singapore, Singapore expatriate employees. Multinational companies rely on 8. Geneva, Switzerland Mercer for timely and accurate information to 9. Beijing, China compensate their skilled professionals who take on 10. Bern, Switzerland THE MOST IMPORTANT THING TO KEEP IN MIND international assignments. Ashgabat tops this year's list of most expensive cities for international employees, 78. Mumbai, India followed by Hong Kong and Beirut. The Lebanese 117. New Delhi, India BEFORE UPDATING YOUR PC WITH WINDOWS 11 capital city climbed 42 positions in the ranking as a 158. Chennai, India result of recent events and record high inflation. Tokyo If you are looking to upgrade from Windows 10 to “After you have installed the Windows 11 upgrade 170. Bengaluru, India (ranked 4) and Zurich (5) each dropped one spot Windows 11, there are a few things you may want to there is a 10 day period where you can move back to compared to last year. Other cities in the top 10 of 185. Koklata, India keep in mind. Microsoft intends to provide a 10-day Windows 10 while keeping files and data that you window (no pun intended) for Windows 10 to brought along with you. After the 10 days you will Windows 11 upgrades, in case you change your mind, need to back up your data and do a “clean install” to RBI IMPOSES PENALTIES ON SBI, 13 BANKS FOR VIOLATION OF RULES and wish to roll back. Once the 10 days are ticked off, move back to Windows 10,” says MSI in a Windows the only way to return to Windows 10 on the same 11 FAQ document. Dell confirms the same as well, in The Reserve Bank of India (RBI) imposed a monetary RBI has imposed a penalty of one crore each on PCs would be to do a clean install. PC makers, FAQs released for their PC customers. penalty on fourteen banks, including the State Bank of Bandhan Bank Ltd, Bank of Maharashtra, Central including MSI and Dell are confirming this, as more If you feel brave enough, there is Windows Insider India (SBI) and Bank of Baroda (BOB) for violation of Bank of India, Credit Suisse AG, Indian Bank, IndusInd information about the Windows 11 upgrades Previews for Windows 11 which are available at this various rules. As per an official release, the violence Bank Ltd, Karnataka Bank Ltd, Karur Vysya Bank Ltd, becomes clearer, ahead of the final release later this time. These test builds will allow you to get an early includes non-compliance with certain provisions of Punjab and Sind Bank, South Indian Bank Ltd, The year. It is not clear at this time why there is a 10-day taste of Windows 11, though you need to keep in mind directions issued by RBI on 'Lending to Non-Banking Jammu and Kashmir Bank Ltd, Utkarsh Small Finance roll-back and why the data cannot be retained even that these are very much work-in-progress versions Financial Companies (NBFCs)', 'Bank Finance to Non- Bank Ltd, along with a penalty of two crores on BOB after that just in case Windows 11 isn't to your liking. and expect bugs and performance issues as things get Banking Financial Companies (NBFCs)', 'Loans and and fifty lakhs on SBI. The penalties have been Once you upgrade from Windows 10 to Windows 11 fixed in the coming weeks. One of the recent updates Advances - Statutory and Other Restrictions', 'Creation imposed in exercise of powers vested in RBI under the on your PC, you'll get 10 days to experiment and saw Microsoft roll out the Windows 11 Insider Preview of a Central Repository of Large Common Exposures - provisions of section 47 A (1) (c) read with sections 46 decide whether the next generation Windows Build version 22000.65 for Dev Channel, including a Across Banks' read with the contents of Circular on (4) (i) and 51 (1), of the Banking Regulation Act, 1949, operating system works for you and for the apps that revamped start menu, improvement for multiple 'Reporting to Central Repository of Information on as applicable. "This action is based on the deficiencies you use regularly. Within this 10-day period, you can display situations and addressed a remote code Large Credits (CRILC)', 'Operating Guidelines for in regulatory compliance and is not intended to roll back to Windows 10 at any time while retaining execution (RCE) exploit in the Windows Print Spooler Small Finance Banks' and for contraventions of pronounce upon the validity of any transaction or your data and settings. However, if you aren't able to service, known as Print Nightmare. provisions of Section 19(2) and Section 20 (1) of agreement entered into by the banks with their decide immediately and make a decision after 10 Vandana Modi Banking Regulation Act, 1949. customers," RBI said in the release. days, then you can still roll back to Windows 10 but HO: IT that'll require a clean install of Windows 10.

70 Rudeness, cruelty, revenge, hardens the heart– Ramesh Kumar Bung. If you enter into an argument about truth, truth is lost– Ramesh Kumar Bung. 71 MUMBAI AMONG TOP 20 MOST EXPENSIVE CITIES VETERAN INDIAN CRICKETER FOR EXPATRIATES: COST OF LIVING INDEX YASHPAL SHARMA PASSES AWAY DUE TO A MASSIVE CARDIAC ARREST Despite the paradox, human effort is always towards Mercer's Cost of Living city ranking are Shanghai (6), seeking a life of 'excess'. While it's all nice and Singapore (7), Geneva (8), Beijing (9) and Bern (10). philosophical to think that the world must shift towards More than half of the top ten cities globally are from a more egalitarian society, in reality there is never equal In a heartbreaking development, former Indian leading run-scorer- a 115- Asia. Mumbai (78) remains among the top 20 most cricketer and the 1983 World Cup-winner, Yashpal ball 61 that helped his side distribution of wealth. Take for instance the cost of expensive cities for expatriates in Asia, despite the drop living in various cities of the world. Mercer's cost of Sharma has passed away due to a massive cardiac chase down 214. in ranking. The world's least expensive cities for arrest on Tuesday, July 13, 2021. Born on August 11, living information provides all the key elements you international employees, according to Mercer's survey, As far as domestic cricket is 1954, the 66-year-old Yashpal Sharma was regarded need to set fair cost of living allowances as well as the are Tbilisi (207), Lusaka (208) and Bishkek (209). Take concerned, Yashpal Sharma scored 8933 FC runs in as one of the most gifted middle-order batter during supporting information required so that all a look at the detailed list of the top 10 most expensive 193 matches which includes 21 centuries and the his era. The veteran cricketer from Ludhiana made his stakeholders can understand the compensation cities and how Indian cities fare: highest score of 201*. Sharma, who was involved in package. international debut against England in 1979 and he various administrative roles with the BCCI, Punjab 1. Ashgabat, Turkmenistan went on to represent his country in 37 Tests, scoring Mercer is the leading provider of data on cost of living and Haryana Cricket Associations post his retirement, 2. Hong Kong, Hong Kong (SAR) 1606 runs at an average of just over 33 with nine fifties and housing for employees sent to work abroad. As was also a popular face on new channels where he and a couple of hundreds. part of the ongoing research, Mercer produces these 3. Beirut, Lebanon used to give his valuable insights on the game. annual rankings of the cost of living in more than 200 of 4. Tokyo, Japan The former middle-order batter made his ODI debut G. Amarnath the most prevalent assignment destinations for 5. Zurich, Switzerland against Pakistan the following year and went on to HO: Estates expatriate employees. The rankings demonstrate how feature in 42 matches, including the 1983 World Cup 6. Shanghai, China currency fluctuation and shifts in the prices of goods semi-final against England where he was India's and services can affect the purchasing power of 7. Singapore, Singapore expatriate employees. Multinational companies rely on 8. Geneva, Switzerland Mercer for timely and accurate information to 9. Beijing, China compensate their skilled professionals who take on 10. Bern, Switzerland THE MOST IMPORTANT THING TO KEEP IN MIND international assignments. Ashgabat tops this year's list of most expensive cities for international employees, 78. Mumbai, India followed by Hong Kong and Beirut. The Lebanese 117. New Delhi, India BEFORE UPDATING YOUR PC WITH WINDOWS 11 capital city climbed 42 positions in the ranking as a 158. Chennai, India result of recent events and record high inflation. Tokyo If you are looking to upgrade from Windows 10 to “After you have installed the Windows 11 upgrade 170. Bengaluru, India (ranked 4) and Zurich (5) each dropped one spot Windows 11, there are a few things you may want to there is a 10 day period where you can move back to compared to last year. Other cities in the top 10 of 185. Koklata, India keep in mind. Microsoft intends to provide a 10-day Windows 10 while keeping files and data that you window (no pun intended) for Windows 10 to brought along with you. After the 10 days you will Windows 11 upgrades, in case you change your mind, need to back up your data and do a “clean install” to RBI IMPOSES PENALTIES ON SBI, 13 BANKS FOR VIOLATION OF RULES and wish to roll back. Once the 10 days are ticked off, move back to Windows 10,” says MSI in a Windows the only way to return to Windows 10 on the same 11 FAQ document. Dell confirms the same as well, in The Reserve Bank of India (RBI) imposed a monetary RBI has imposed a penalty of one crore each on PCs would be to do a clean install. PC makers, FAQs released for their PC customers. penalty on fourteen banks, including the State Bank of Bandhan Bank Ltd, Bank of Maharashtra, Central including MSI and Dell are confirming this, as more If you feel brave enough, there is Windows Insider India (SBI) and Bank of Baroda (BOB) for violation of Bank of India, Credit Suisse AG, Indian Bank, IndusInd information about the Windows 11 upgrades Previews for Windows 11 which are available at this various rules. As per an official release, the violence Bank Ltd, Karnataka Bank Ltd, Karur Vysya Bank Ltd, becomes clearer, ahead of the final release later this time. These test builds will allow you to get an early includes non-compliance with certain provisions of Punjab and Sind Bank, South Indian Bank Ltd, The year. It is not clear at this time why there is a 10-day taste of Windows 11, though you need to keep in mind directions issued by RBI on 'Lending to Non-Banking Jammu and Kashmir Bank Ltd, Utkarsh Small Finance roll-back and why the data cannot be retained even that these are very much work-in-progress versions Financial Companies (NBFCs)', 'Bank Finance to Non- Bank Ltd, along with a penalty of two crores on BOB after that just in case Windows 11 isn't to your liking. and expect bugs and performance issues as things get Banking Financial Companies (NBFCs)', 'Loans and and fifty lakhs on SBI. The penalties have been Once you upgrade from Windows 10 to Windows 11 fixed in the coming weeks. One of the recent updates Advances - Statutory and Other Restrictions', 'Creation imposed in exercise of powers vested in RBI under the on your PC, you'll get 10 days to experiment and saw Microsoft roll out the Windows 11 Insider Preview of a Central Repository of Large Common Exposures - provisions of section 47 A (1) (c) read with sections 46 decide whether the next generation Windows Build version 22000.65 for Dev Channel, including a Across Banks' read with the contents of Circular on (4) (i) and 51 (1), of the Banking Regulation Act, 1949, operating system works for you and for the apps that revamped start menu, improvement for multiple 'Reporting to Central Repository of Information on as applicable. "This action is based on the deficiencies you use regularly. Within this 10-day period, you can display situations and addressed a remote code Large Credits (CRILC)', 'Operating Guidelines for in regulatory compliance and is not intended to roll back to Windows 10 at any time while retaining execution (RCE) exploit in the Windows Print Spooler Small Finance Banks' and for contraventions of pronounce upon the validity of any transaction or your data and settings. However, if you aren't able to service, known as Print Nightmare. provisions of Section 19(2) and Section 20 (1) of agreement entered into by the banks with their decide immediately and make a decision after 10 Vandana Modi Banking Regulation Act, 1949. customers," RBI said in the release. days, then you can still roll back to Windows 10 but HO: IT that'll require a clean install of Windows 10.

70 Rudeness, cruelty, revenge, hardens the heart– Ramesh Kumar Bung. If you enter into an argument about truth, truth is lost– Ramesh Kumar Bung. 71 There is a village named Tajangi in The organisation grew crops like C h i n t a p a l l i M a n d a l o f AN turmeric, coffee, black pepper and Visakhapatnam District. There lived others in a traditional manner. The TEST OF DIVISIBILITY a lady called Lochali Saradamma. produce used to be exported to She is an illiterate. She was married ILLITERATE Delhi, Maharashtra, Kerala and to a salesman in Tribal Cooperative Karnataka states. There are 1037 01. For 2: A number is divisible by 2 if the last digit of 10. For 11: The divisibility by 11 rule states that if the enterprise at an early age. When she farmers as its members and 500 WOMAN the number is 0, 2, 4, 6, or 8. Example 1: Is the difference of the sum of the digits at odd places was 13, her husband expired of ill shareholders. After observing the number 246 divisible by 2? Solution: Since the and even places of the number is 0 or divisible by health. At that time she was a mother work style and quality of the last digit of the number 246 ends in 6, that means 11, then the given number is also divisible by 11. of two children. Son was of 4 years BECOMES products, ITDA has encouraged the it is divisible by 2. ... So, we can clearly say that these numbers are old and daughter was an infant. She firm. All the farmers directly purchase divisible by 11. For example, 33/11 = 3 and the did not have any financial support at the products form it without 02. For 3: Divisibility rule for 3 states that a number is THE remainder is 0. that time. To satiate the hunger of her involvement of mediators. The completely divisible by 3 if the sum of its digits is children, she worked as a daily enterprise takes up cleaning, divisible by 3. Consider a number, 308. To check 11. For 12: In order to know if a number is divisible labourer in coffee gardens. The CHAIRPERSON grading, polishing of the products whether 308 is divisible by 3 or not, take sum of by 12, you have to first check if it is divisible by 3 wages of ₹ 5 per day was inadequate and sells them on the national level. the digits (i.e. 3+0+8= 11). and 4. If it is divisible by both 3 and 4, then the to support herself and the family. OF A BANK This year, it bought 50 tonnes of number is divisible by 12. At this critical juncture, she turmeric, 17 tonnes coffee from 03. For 4: The last two digits form a number that is concentrated on agriculture. She farmers and handled a turnover of ₹ divisible by 4. If the tens digit is even, the ones 12. For 13: Take the last two digits of a number and started cultivated a land piece of 2 70 lakh. digit must be 0, 4, or 8. If the tens digit is odd, the subtract it from the product of 4 and the rest of the acres given by her parents. She went on saving some Saradamma went on saving 5 per month in Sri Mahila ones digit must be 2 or 6. Double the tens digit, number. If the resulting number is 0 or a multiple amount out of the agricultural income. She worked Mathota Macs Society and started her journey and by plus the ones digit is divisible by 4. of 13, then we can say that the number is divisible by 13. For example: In the number 520, the last hard without losing courage day and night for the encouraging other women towards saving proving her 04. For 5: Divisibility by 5 is easily determined by two digits are 20. future of her children. She joined an organisation called leadership. In this savings organisation which started in checking the last digit in the number (475), and 'Girijana Vikas' established by 'Andhra Kashmir Tribal 2017, there are 3770 women members and 3 crores seeing if it is either 0 or 5. If the last number is 13. For 14: The divisibility rule for 14 is that if the Farmers'. Saradamma, along with the support of other turnover per annum. This banking organisation gives either 0 or 5, the entire number is divisible by 5. If number is divisible by both 2 and 7 then the farmers, grew up to the level of Vice Chairman of the loans to its members at lower interest rates for the the last digit in the number is 0, then the result will number is exactly divisible by 14. organisation. purpose of medical, education and marriage expenses be the remaining digits multiplied by 2. to the tune of 50000/. Now, she is the chair person of 14. For 15: To be divisible by 15 a number has to be this bank. 05. For 6: A number is divisible by 6 if it is divisible by divisible by 3 and by 5. To be divisible by 5 the 2 and 3 both. Consider the following numbers number must end in a 0 or a 5, easy enough. which are divisible by 6, using the test of However divisibility by 3 is not so simple - the rule OLYMPICS GAMES 2021 INDIA WINNER LIST divisibility by 6: 42, 144, 180, 258, 156. [We is to add up all of the digits of the number and if know the rules of divisibility by 2, if the unit's they are a multiple of 3 then the original number place of the number is either 0 or multiple of 2]. is also. This year initially Olympics was not planned to happen so soon in Tokyo. But due to Covid-19 safety precautions, it 42 is divisible by 2. was later on decided to be conducted in the month of July. Olympics 2021 was started off on 23rd July and conclude 15. For 17: Subtract five times the last digit from the by 8th August. Here is the list of Olympics Games 2021 India Winner List and Medals Tally (as on 05.08.2021). 06. For 7: Adding 5 times the last digit to the rest gives remaining leading truncated number. If the result a multiple of 7. (Works because 49 is divisible by is divisible by 17, then so was the first number. Players Game Medal 7.) Subtracting 2 times the last digit from the rest Apply this rule over and over again as necessary. gives a multiple of 7. (Works because 21 is ... So 3978 is divisible by 17. divisible by 7.) MIRABAI Chanu Saikhom WeightLifting Silver 16. For 19: Add two times the last digit to the PUSARLA V. Sindhu (PV Sindhu) Badminton Bronze 07. For 8: What is the Divisibility Rule of 8? remaining leading truncated number. If the result According to the divisibility rule of 8, if the last is divisible by 19, then so was the first number. BORGOHAIN Lovlina Boxing Bronze three digits of a given number are zeros or if the Apply this rule over and over again as necessary. number formed by the last three digits is divisible Men’s Hockey Team Hockey Bronze 17. For 23: Add 7 times the last digit to the remaining by 8, then such a number is divisible by 8. For leading truncated number. If the result is divisible Ravi Kumar Dahiya Wrestling Silver example, in 4832, the last three digits are 832, by 23, then so was the first number. Apply this which is divisible by 8. rule over and over again as necessary. Example: It is heartening to note that India is back on the Olympic Hockey podium after a 41 year wait. The V Bhaskaran led 08. For 9: The divisibility rule of 9 states that if the 17043-->1704+7*3=1725-->172+7*5=207 team was the last to secure an Olympic Medal (Gold) way back in 1980 in Moscow. This Jai Ho moment could sum of digits of any number is divisible by 9, then which is 9*23, so 17043 is also divisible by 23. reinvigorate the sport in the country. the number is also divisible by 9. Prime Minister Sri Narendra Modi lauded the hard work of the Indian men's hockey team captain Manpreeth Singh, A. Swapna Priya its team and the Australian Coach Graham Reid and congratulated them for their sincere efforts. He further said that 09. For 10: If a number ends in a 0, it is divisible by Receptionist the entire Nation is dancing in joy for this achievement. 10. Also if a number is divisible by both 2 and 5, it is divisible by 10.

72 Think you are a student; then only you can learn– Ramesh Kumar Bung. Selfishness is the seed of the tree of ignorance– Ramesh Kumar Bung. 73 There is a village named Tajangi in The organisation grew crops like C h i n t a p a l l i M a n d a l o f AN turmeric, coffee, black pepper and Visakhapatnam District. There lived others in a traditional manner. The TEST OF DIVISIBILITY a lady called Lochali Saradamma. produce used to be exported to She is an illiterate. She was married ILLITERATE Delhi, Maharashtra, Kerala and to a salesman in Tribal Cooperative Karnataka states. There are 1037 01. For 2: A number is divisible by 2 if the last digit of 10. For 11: The divisibility by 11 rule states that if the enterprise at an early age. When she farmers as its members and 500 WOMAN the number is 0, 2, 4, 6, or 8. Example 1: Is the difference of the sum of the digits at odd places was 13, her husband expired of ill shareholders. After observing the number 246 divisible by 2? Solution: Since the and even places of the number is 0 or divisible by health. At that time she was a mother work style and quality of the last digit of the number 246 ends in 6, that means 11, then the given number is also divisible by 11. of two children. Son was of 4 years BECOMES products, ITDA has encouraged the it is divisible by 2. ... So, we can clearly say that these numbers are old and daughter was an infant. She firm. All the farmers directly purchase divisible by 11. For example, 33/11 = 3 and the did not have any financial support at the products form it without 02. For 3: Divisibility rule for 3 states that a number is THE remainder is 0. that time. To satiate the hunger of her involvement of mediators. The completely divisible by 3 if the sum of its digits is children, she worked as a daily enterprise takes up cleaning, divisible by 3. Consider a number, 308. To check 11. For 12: In order to know if a number is divisible labourer in coffee gardens. The CHAIRPERSON grading, polishing of the products whether 308 is divisible by 3 or not, take sum of by 12, you have to first check if it is divisible by 3 wages of ₹ 5 per day was inadequate and sells them on the national level. the digits (i.e. 3+0+8= 11). and 4. If it is divisible by both 3 and 4, then the to support herself and the family. OF A BANK This year, it bought 50 tonnes of number is divisible by 12. At this critical juncture, she turmeric, 17 tonnes coffee from 03. For 4: The last two digits form a number that is concentrated on agriculture. She farmers and handled a turnover of ₹ divisible by 4. If the tens digit is even, the ones 12. For 13: Take the last two digits of a number and started cultivated a land piece of 2 70 lakh. digit must be 0, 4, or 8. If the tens digit is odd, the subtract it from the product of 4 and the rest of the acres given by her parents. She went on saving some Saradamma went on saving 5 per month in Sri Mahila ones digit must be 2 or 6. Double the tens digit, number. If the resulting number is 0 or a multiple amount out of the agricultural income. She worked Mathota Macs Society and started her journey and by plus the ones digit is divisible by 4. of 13, then we can say that the number is divisible by 13. For example: In the number 520, the last hard without losing courage day and night for the encouraging other women towards saving proving her 04. For 5: Divisibility by 5 is easily determined by two digits are 20. future of her children. She joined an organisation called leadership. In this savings organisation which started in checking the last digit in the number (475), and 'Girijana Vikas' established by 'Andhra Kashmir Tribal 2017, there are 3770 women members and 3 crores seeing if it is either 0 or 5. If the last number is 13. For 14: The divisibility rule for 14 is that if the Farmers'. Saradamma, along with the support of other turnover per annum. This banking organisation gives either 0 or 5, the entire number is divisible by 5. If number is divisible by both 2 and 7 then the farmers, grew up to the level of Vice Chairman of the loans to its members at lower interest rates for the the last digit in the number is 0, then the result will number is exactly divisible by 14. organisation. purpose of medical, education and marriage expenses be the remaining digits multiplied by 2. to the tune of 50000/. Now, she is the chair person of 14. For 15: To be divisible by 15 a number has to be this bank. 05. For 6: A number is divisible by 6 if it is divisible by divisible by 3 and by 5. To be divisible by 5 the 2 and 3 both. Consider the following numbers number must end in a 0 or a 5, easy enough. which are divisible by 6, using the test of However divisibility by 3 is not so simple - the rule OLYMPICS GAMES 2021 INDIA WINNER LIST divisibility by 6: 42, 144, 180, 258, 156. [We is to add up all of the digits of the number and if know the rules of divisibility by 2, if the unit's they are a multiple of 3 then the original number place of the number is either 0 or multiple of 2]. is also. This year initially Olympics was not planned to happen so soon in Tokyo. But due to Covid-19 safety precautions, it 42 is divisible by 2. was later on decided to be conducted in the month of July. Olympics 2021 was started off on 23rd July and conclude 15. For 17: Subtract five times the last digit from the by 8th August. Here is the list of Olympics Games 2021 India Winner List and Medals Tally (as on 05.08.2021). 06. For 7: Adding 5 times the last digit to the rest gives remaining leading truncated number. If the result a multiple of 7. (Works because 49 is divisible by is divisible by 17, then so was the first number. Players Game Medal 7.) Subtracting 2 times the last digit from the rest Apply this rule over and over again as necessary. gives a multiple of 7. (Works because 21 is ... So 3978 is divisible by 17. divisible by 7.) MIRABAI Chanu Saikhom WeightLifting Silver 16. For 19: Add two times the last digit to the PUSARLA V. Sindhu (PV Sindhu) Badminton Bronze 07. For 8: What is the Divisibility Rule of 8? remaining leading truncated number. If the result According to the divisibility rule of 8, if the last is divisible by 19, then so was the first number. BORGOHAIN Lovlina Boxing Bronze three digits of a given number are zeros or if the Apply this rule over and over again as necessary. number formed by the last three digits is divisible Men’s Hockey Team Hockey Bronze 17. For 23: Add 7 times the last digit to the remaining by 8, then such a number is divisible by 8. For leading truncated number. If the result is divisible Ravi Kumar Dahiya Wrestling Silver example, in 4832, the last three digits are 832, by 23, then so was the first number. Apply this which is divisible by 8. rule over and over again as necessary. Example: It is heartening to note that India is back on the Olympic Hockey podium after a 41 year wait. The V Bhaskaran led 08. For 9: The divisibility rule of 9 states that if the 17043-->1704+7*3=1725-->172+7*5=207 team was the last to secure an Olympic Medal (Gold) way back in 1980 in Moscow. This Jai Ho moment could sum of digits of any number is divisible by 9, then which is 9*23, so 17043 is also divisible by 23. reinvigorate the sport in the country. the number is also divisible by 9. Prime Minister Sri Narendra Modi lauded the hard work of the Indian men's hockey team captain Manpreeth Singh, A. Swapna Priya its team and the Australian Coach Graham Reid and congratulated them for their sincere efforts. He further said that 09. For 10: If a number ends in a 0, it is divisible by Receptionist the entire Nation is dancing in joy for this achievement. 10. Also if a number is divisible by both 2 and 5, it is divisible by 10.

72 Think you are a student; then only you can learn– Ramesh Kumar Bung. Selfishness is the seed of the tree of ignorance– Ramesh Kumar Bung. 73 [In Mahabharata, the war the field lay piles of slaughtered between Kauravas and Pandavas THE soldiers, charioteers, elephants took place at Kurukshetra for 18 and horses and the ground TOP DAILIES IN INDIA days. From this issue onwards, MAHABHARATA became bloody mire in which it you will find the day-wise details was difficult for the chariots to

of the battle fought on everyday WAR move about. In modern battles RANK PUBLICATION LANGUAGE CIRCULATION in each month in 18 episodes.] there is no such thing as single PRELUDE: Everything was combats. It is all 'sankula'. 01. Dainik Bhaskar Hindi 4579051 ready for the battle to begin. At The Kauravas fought under 02. Dainik Jagaran Hindi 3614162

this tense moment, both armies Bhishma's command for 10 days. 03. The Times of India English 2880144 s a w w i t h a m a z e m e n t After him, Drona took the 04. Malayala Manorama Malayalam 2308612 Yudhishtira, the steadfast and command. When Drona died, brave son of Pandu, suddenly K a r n a s u c c e e d e d t o t h e 05. Amar Ujala Hindi 2661990 doff his armour and put away his command. Karna fell towards 06. Hindustan Hindi 2221566 weapons and, descending from close of the 17th day's battle, 07. Rajasthan Patrika Hindi 1788420 his chariot, proceed on foot and Salya led the Kaurava army towards the commander of the on the 18th and last day. Towards 08. Eenadu Telugu 1614105 Kaurava forces. “What is this that the latter part of the battle, many 09. Daily Thanthi Tamil 1472948 Yudhishtira is doing?” asked savage and un-chivalrous deeds 10. The Hindu English 1415792 everyone and was puzzled by this were done. Chivalry and rules of 11. Daily Sakal Marathi 1263955 sudden and silent proceeding of war die hard, for there is innate the part of the Pandava. nobility in human nature, but 12. Mathrubhumi Malayalam 1230778 Dhananjaya too was perplexed d i f f i c u l t s i t u a t i o n s a n d 13. Punjab Kesari Hindi 1105851 and he jumped down from his temptations arise which men are 14. Patrika Hindi 1095144 chariot and ran to Yudhishtira. too weak to resist, especially 15. Hindustan Times English 1072966 The other brothers and Krishna when they are fordone with 16. Sakshi Telugu 1064661 also joined. They feared that perhaps Yudhishtira, fighting and warped with hatred and bloodshed. Even surrendering to his natural inclination, had suddenly great men commit wrongs and their lapses thereafter 17. Ananda Bazar Patrika Bengali 1046607

decided to seek peace on any team and was going furnished bad examples to others, and Dharma comes 18. Divya Bhaskar Gujarati 792022 forward to announce this. The men in Duryodhana's to be disregarded more and more easily and 19. Dinamalar Tamil 768300 army, when they saw Yudhishtira advancing with frequently. Thus does violence beget and nourish hands clasped in humble attitude, thought that Adharma and plunge the world in wickedness. 20. Vijayavani Kannada 757119 Yudhishtira was coming to beseech for peace and was [Next month: 1st day of war] frightened of war. A.V. Rama Rao Yudhishtira approached the commander-in-chief of Kauravas, Bhishma and sought his permission to TOP WEEKLY PERIODICALS IN INDIA

begin the battle. After obtaining his blessings, 01. Ravivasriya Hindustan Hindi 1248774 Yudhishtira saluted Drona, Kripacharya too. The 02. Th e Hindu English 1105560 battle began, commencing with single combats 03. The Sunday Times of India English 1006056 Begin your day with a beautiful between the leading chiefs armed with equal 04. Ravivar Loksatta Marathi 353522 weapons. Bhishma and Partha, Satyaki and thought. Just one idea, one 05. Karmasangsthaan Bengali 304226 K r i t a v a r m a , A b h i m a n y u a n d B r i h a t b a l a , thought, one insight, One Duryodhana and Bheima, Yudhishtira and Salya, and revelation, one existential Dhrishtadyumna (Commander-in-chief of Pandavas) intervention, One experience, and Drona were thus engaged in great battles. one incident, or one accident. Similarly, thousands of other warriors fought severally That is all that is required and TOP MAGAZINES IN INDIA that 'one' Unfolds to the one who according to the rules of war of those days. 01. Annadata Telugu 345087 lives in self-awareness. Besides these numerous single combats between 02. Vanitha Malayalam 343669 renowned warriors, there was also indiscriminate Ramesh Kumar Bung 03. Grehlakshmi Hindi 313366 fighting among common soldiers. The name of 04. Malayala Manorama Malayalam 241798 'sankula samara' was given to such free fighting and 05. Saptahika Bartaman Bengali 135936 promiscuous carnage. The Kurukshetra battle witnessed many such 'sankula' fights where countless men fought and died in the mad lust of battle, and on

74 Habit is repetition; character is fixed habit– Ramesh Kumar Bung. Act nobly, live peacefully, and think rightly– Ramesh Kumar Bung. 75 [In Mahabharata, the war the field lay piles of slaughtered between Kauravas and Pandavas THE soldiers, charioteers, elephants took place at Kurukshetra for 18 and horses and the ground TOP DAILIES IN INDIA days. From this issue onwards, MAHABHARATA became bloody mire in which it you will find the day-wise details was difficult for the chariots to of the battle fought on everyday WAR move about. In modern battles RANK PUBLICATION LANGUAGE CIRCULATION in each month in 18 episodes.] there is no such thing as single PRELUDE: Everything was combats. It is all 'sankula'. 01. Dainik Bhaskar Hindi 4579051 ready for the battle to begin. At The Kauravas fought under 02. Dainik Jagaran Hindi 3614162 this tense moment, both armies Bhishma's command for 10 days. 03. The Times of India English 2880144 s a w w i t h a m a z e m e n t After him, Drona took the 04. Malayala Manorama Malayalam 2308612 Yudhishtira, the steadfast and command. When Drona died, brave son of Pandu, suddenly K a r n a s u c c e e d e d t o t h e 05. Amar Ujala Hindi 2661990 doff his armour and put away his command. Karna fell towards 06. Hindustan Hindi 2221566 weapons and, descending from close of the 17th day's battle, 07. Rajasthan Patrika Hindi 1788420 his chariot, proceed on foot and Salya led the Kaurava army towards the commander of the on the 18th and last day. Towards 08. Eenadu Telugu 1614105 Kaurava forces. “What is this that the latter part of the battle, many 09. Daily Thanthi Tamil 1472948 Yudhishtira is doing?” asked savage and un-chivalrous deeds 10. The Hindu English 1415792 everyone and was puzzled by this were done. Chivalry and rules of 11. Daily Sakal Marathi 1263955 sudden and silent proceeding of war die hard, for there is innate the part of the Pandava. nobility in human nature, but 12. Mathrubhumi Malayalam 1230778 Dhananjaya too was perplexed d i f f i c u l t s i t u a t i o n s a n d 13. Punjab Kesari Hindi 1105851 and he jumped down from his temptations arise which men are 14. Patrika Hindi 1095144 chariot and ran to Yudhishtira. too weak to resist, especially 15. Hindustan Times English 1072966 The other brothers and Krishna when they are fordone with 16. Sakshi Telugu 1064661 also joined. They feared that perhaps Yudhishtira, fighting and warped with hatred and bloodshed. Even surrendering to his natural inclination, had suddenly great men commit wrongs and their lapses thereafter 17. Ananda Bazar Patrika Bengali 1046607 decided to seek peace on any team and was going furnished bad examples to others, and Dharma comes 18. Divya Bhaskar Gujarati 792022 forward to announce this. The men in Duryodhana's to be disregarded more and more easily and 19. Dinamalar Tamil 768300 army, when they saw Yudhishtira advancing with frequently. Thus does violence beget and nourish hands clasped in humble attitude, thought that Adharma and plunge the world in wickedness. 20. Vijayavani Kannada 757119 Yudhishtira was coming to beseech for peace and was [Next month: 1st day of war] frightened of war. A.V. Rama Rao Yudhishtira approached the commander-in-chief of Kauravas, Bhishma and sought his permission to TOP WEEKLY PERIODICALS IN INDIA begin the battle. After obtaining his blessings, 01. Ravivasriya Hindustan Hindi 1248774 Yudhishtira saluted Drona, Kripacharya too. The 02. Th e Hindu English 1105560 battle began, commencing with single combats 03. The Sunday Times of India English 1006056 Begin your day with a beautiful between the leading chiefs armed with equal 04. Ravivar Loksatta Marathi 353522 weapons. Bhishma and Partha, Satyaki and thought. Just one idea, one 05. Karmasangsthaan Bengali 304226 K r i t a v a r m a , A b h i m a n y u a n d B r i h a t b a l a , thought, one insight, One Duryodhana and Bheima, Yudhishtira and Salya, and revelation, one existential Dhrishtadyumna (Commander-in-chief of Pandavas) intervention, One experience, and Drona were thus engaged in great battles. one incident, or one accident. Similarly, thousands of other warriors fought severally That is all that is required and TOP MAGAZINES IN INDIA that 'one' Unfolds to the one who according to the rules of war of those days. 01. Annadata Telugu 345087 lives in self-awareness. Besides these numerous single combats between 02. Vanitha Malayalam 343669 renowned warriors, there was also indiscriminate Ramesh Kumar Bung 03. Grehlakshmi Hindi 313366 fighting among common soldiers. The name of 04. Malayala Manorama Malayalam 241798 'sankula samara' was given to such free fighting and 05. Saptahika Bartaman Bengali 135936 promiscuous carnage. The Kurukshetra battle witnessed many such 'sankula' fights where countless men fought and died in the mad lust of battle, and on

74 Habit is repetition; character is fixed habit– Ramesh Kumar Bung. Act nobly, live peacefully, and think rightly– Ramesh Kumar Bung. 75 GENERAL QUIZ DIGITAL CURRENCY TO SOON BECOME KNOWLEDGE ANSWERS REALITY IN INDIA: RBI WORKING ON 'PHASED INTRODUCTION' QUIZ 01.Smiling Buddha 02. 1928 03. Infosys 04. Aravali 05. Windsor 06. Varanasi. 07. 1991. The Reserve Bank of India (RBI), is moving towards t h e F o r e i g n E x c h a n g e ANSWERS 08. 18 days. 09. All Clear 10. Fawn 11. Ben Kingsley bringing in Central Bank Digital Currency (CBDC). M a n a g e m e n t A c t a n d t h e 12. Ladakh, India 13. Shani Shingnapur. 14. Jaipur, RBI plans on introducing this digital monetary asset in Information and Technology Act as 01. Personal Area Network 2. Postal Index India 15. An Octothorpe 16. Actor 17. Srinagar. a phase-wise implementation strategy according to well. “RBI has been exploring the Number 3. Bayerische Motoren Werke 18. Liechtenstein 19. Net Screen 20. 336. the Deputy Governor of RBI, T Rabi Sankar. The pros and cons of introduction of CBDCs Aktiengesellschaft 4. Digital single-lens reflex CBDC is being introduced in lieu of other private since quite some time,” said Sankar. He went on to 5. National Electronic Funds Transfer 6. Universal digital assets like cryptocurrency and is in fact a legal add, “Generally, countries have implemented Serial Bus 7. New Delhi Television Ltd 8. Graphics and legitimate form of virtual coin that will be on par specific-purpose CBDCs in the wholesale and retail Interchange Format 9. Portable Graphics Format 3 TRAITS THAT with its real-world counterpart, according to Sankar. segments. Going forward, after studying the impact of He went on to add that the central bank is framing these models, launch of general purpose CBDCs shall 10. Indian Financial System Code 11. Cost to considerations for the legal framework to be put into be evaluated. RBI is currently working towards a Company 12. Housing Development Finance WILL LEAD YOU place so that the CBDC can coexist with cash and phased implementation strategy and examining use Corporation Limited 13. Stock Exchange Sensitive digital payment methods in India. Having said that, it cases which could be implemented with little or no Index 14. Uniform Resource Locator 15. Indian TO GREATNESS is important to note what exactly the Central Digital disruption to India's banking or monetary systems.” Railway Catering and Tourism Corporation Bank Currency is, how it functions and what the RBI's RBI's Views Towards Cryptocurrency: Sankar said in a 16. National stock exchange FIFTY 17. Joint Make yourself right. You don't have to go in search stance on it is. statement that cryptocurrencies such as Bitcoin, do Implementation Opportunity 18. Public Officer for of anything; everything will come in search of you. What is a Central Bank Digital Currency?: A CBDC is not necessarily fit into the RBI's definition of 'currency'. The knowledge you gain from reading numerous essentially a legal tender issued by the central bank, as It is in fact this very reason that RBI along with central Legal Investigations and Criminal Emergencies books, the wealth you donated to others' welfare, the name suggests. It has the same functional banks the world over is looking at CBDC as an 19. Global Organization of Oriented Group the happiness you feel in the progress of others, in capabilities as a fiat currency and is considered alternative to the volatile crypto asset in the Language of Earth 20. Long-Term Evolution all these deeds, greatness is present. exchangeable in nature with said fiat currency in a mainstream economy. The CBDC minimizes the risks 21. Voice over Long-Term Evolution 22. Other Whether you read Valmiki, or you listen to one-to-one form. The only notable difference is the as it is not subject to the volatility of the market's Backward Class 23. Scheduled Castes Kannadasan, everybody is saying, when you form it takes, i.e., a digital form. While it is a digital fluctuations. Sankar cited a study by the Bank of 24. Scheduled Tribes 25. Olla Kalla or Oll Korrect develop some right qualities, it elevates you to currency, it is important to differentiate it from existing International Settlements (BIS), saying that 86 per private digital currencies such as Bitcoin and cent of central banks in the world are researching 26. Bachelor of Medicine and Bachelor of Surgery greatness. If I can develop my intelligence through Ethereum. Private crypto assets such as those have no CBDC. He added that 60 per cent are currently proper education and I see myself as a leader… 2 7 . N a t i o n a l A e r o n a u t i c s a n d S p a c e legal issuers and they cannot be considered as money experimenting with it while 14% of central banks are Administration 28. Rest in peace 29. Common who is a leader? Somebody who's ready to share or currency, whereas the CBDC can be. in the pilot testing phase with CBDC. his prosperity for the upliftment of the world, and if Operating Machine Purposely Used for The CBDC is the same as any other currency issued by you are a beautiful human being… who is a Technological and Educational Research a central bank – a sovereign currency issued but in an beautiful human being? 30. Indian Administrative Service 31. Union Public electronic form. At the end of the day this form of Service Commission 32. Coronavirus disease- Somebody who genuinely feels happy when good currency ends up on the Central Bank's balance sheet is happening to others. If all these three traits, if you 2019 33. Directorate of Enforcement 34. Central as a currency in circulation. Sankar said, “CBDC will are a scholar, if you're a leader, and if you're be in the arsenal of most if not all central banks in the The question no more is – 'Can I Bureau of Investigation 35. Player Unknown's beautifully hearted, in all these three, you will world. Setting this up will require careful calibration also do it? 'But 'Can I do it even Battlegrounds 36. Central Bank of India experience God. Essentially, Kannadasan is saying, and a nuanced approach in implementation. Drawing better?' It all starts with the 37. Compressed Natural Gas 38. Special practice the right qualities… You don't have to go in board considerations and stakeholder consultations belief that there is a Better way Protection Group 39. Electrocardiography search of divinity, it has to come in search of you. are important,” of doing what I am already 40. National Security Guard 41. Closed-circuit Develop the right practices, you don't have to go in RBI's Stance on the CBDC: Sankar had mentioned doing. That is why people are not television 42. Wireless network interface controller search of money, money has to come in search of that the RBI is currently looking at ways to launch the paid more for the Experience but for the expertise. 43. Passenger Name Record 44. Subscriber you. Everything must be naturally drawn towards digital asset for general purposes on a mass identification module 45. Call Detail Record you, everything must be magnetised towards you, population scale. In doing so legal frameworks would Umesh Chand Asawa also need to be taken into consideration. 46. Radio Detection And Ranging 47. Display you don't have to go in search of anything, everything will come in search of you. Make Amendments would need to be made to several Picture 48. Deoxyribonucleic acid 49. Ribonucleic yourself right. existing legal outlines and sections such as sections 24, acid 50. National Register of Citizens Y. Uma Prasanna 25 and 26 of the RBI Act as well as to the Coinage Act of 2011. Additionally, changes would be required to West Marredpalli Branch

76 Speak sweetly; behave politely– Ramesh Kumar Bung. If you are good, the whole world is good to you– Ramesh Kumar Bung. 77 GENERAL QUIZ DIGITAL CURRENCY TO SOON BECOME KNOWLEDGE ANSWERS REALITY IN INDIA: RBI WORKING ON 'PHASED INTRODUCTION' QUIZ 01.Smiling Buddha 02. 1928 03. Infosys 04. Aravali 05. Windsor 06. Varanasi. 07. 1991. The Reserve Bank of India (RBI), is moving towards t h e F o r e i g n E x c h a n g e ANSWERS 08. 18 days. 09. All Clear 10. Fawn 11. Ben Kingsley bringing in Central Bank Digital Currency (CBDC). M a n a g e m e n t A c t a n d t h e 12. Ladakh, India 13. Shani Shingnapur. 14. Jaipur, RBI plans on introducing this digital monetary asset in Information and Technology Act as 01. Personal Area Network 2. Postal Index India 15. An Octothorpe 16. Actor 17. Srinagar. a phase-wise implementation strategy according to well. “RBI has been exploring the Number 3. Bayerische Motoren Werke 18. Liechtenstein 19. Net Screen 20. 336. the Deputy Governor of RBI, T Rabi Sankar. The pros and cons of introduction of CBDCs Aktiengesellschaft 4. Digital single-lens reflex CBDC is being introduced in lieu of other private since quite some time,” said Sankar. He went on to 5. National Electronic Funds Transfer 6. Universal digital assets like cryptocurrency and is in fact a legal add, “Generally, countries have implemented Serial Bus 7. New Delhi Television Ltd 8. Graphics and legitimate form of virtual coin that will be on par specific-purpose CBDCs in the wholesale and retail Interchange Format 9. Portable Graphics Format 3 TRAITS THAT with its real-world counterpart, according to Sankar. segments. Going forward, after studying the impact of He went on to add that the central bank is framing these models, launch of general purpose CBDCs shall 10. Indian Financial System Code 11. Cost to considerations for the legal framework to be put into be evaluated. RBI is currently working towards a Company 12. Housing Development Finance WILL LEAD YOU place so that the CBDC can coexist with cash and phased implementation strategy and examining use Corporation Limited 13. Stock Exchange Sensitive digital payment methods in India. Having said that, it cases which could be implemented with little or no Index 14. Uniform Resource Locator 15. Indian TO GREATNESS is important to note what exactly the Central Digital disruption to India's banking or monetary systems.” Railway Catering and Tourism Corporation Bank Currency is, how it functions and what the RBI's RBI's Views Towards Cryptocurrency: Sankar said in a 16. National stock exchange FIFTY 17. Joint Make yourself right. You don't have to go in search stance on it is. statement that cryptocurrencies such as Bitcoin, do Implementation Opportunity 18. Public Officer for of anything; everything will come in search of you. What is a Central Bank Digital Currency?: A CBDC is not necessarily fit into the RBI's definition of 'currency'. The knowledge you gain from reading numerous essentially a legal tender issued by the central bank, as It is in fact this very reason that RBI along with central Legal Investigations and Criminal Emergencies books, the wealth you donated to others' welfare, the name suggests. It has the same functional banks the world over is looking at CBDC as an 19. Global Organization of Oriented Group the happiness you feel in the progress of others, in capabilities as a fiat currency and is considered alternative to the volatile crypto asset in the Language of Earth 20. Long-Term Evolution all these deeds, greatness is present. exchangeable in nature with said fiat currency in a mainstream economy. The CBDC minimizes the risks 21. Voice over Long-Term Evolution 22. Other Whether you read Valmiki, or you listen to one-to-one form. The only notable difference is the as it is not subject to the volatility of the market's Backward Class 23. Scheduled Castes Kannadasan, everybody is saying, when you form it takes, i.e., a digital form. While it is a digital fluctuations. Sankar cited a study by the Bank of 24. Scheduled Tribes 25. Olla Kalla or Oll Korrect develop some right qualities, it elevates you to currency, it is important to differentiate it from existing International Settlements (BIS), saying that 86 per private digital currencies such as Bitcoin and cent of central banks in the world are researching 26. Bachelor of Medicine and Bachelor of Surgery greatness. If I can develop my intelligence through Ethereum. Private crypto assets such as those have no CBDC. He added that 60 per cent are currently proper education and I see myself as a leader… 2 7 . N a t i o n a l A e r o n a u t i c s a n d S p a c e legal issuers and they cannot be considered as money experimenting with it while 14% of central banks are Administration 28. Rest in peace 29. Common who is a leader? Somebody who's ready to share or currency, whereas the CBDC can be. in the pilot testing phase with CBDC. his prosperity for the upliftment of the world, and if Operating Machine Purposely Used for The CBDC is the same as any other currency issued by you are a beautiful human being… who is a Technological and Educational Research a central bank – a sovereign currency issued but in an beautiful human being? 30. Indian Administrative Service 31. Union Public electronic form. At the end of the day this form of Service Commission 32. Coronavirus disease- Somebody who genuinely feels happy when good currency ends up on the Central Bank's balance sheet is happening to others. If all these three traits, if you 2019 33. Directorate of Enforcement 34. Central as a currency in circulation. Sankar said, “CBDC will are a scholar, if you're a leader, and if you're be in the arsenal of most if not all central banks in the The question no more is – 'Can I Bureau of Investigation 35. Player Unknown's beautifully hearted, in all these three, you will world. Setting this up will require careful calibration also do it? 'But 'Can I do it even Battlegrounds 36. Central Bank of India experience God. Essentially, Kannadasan is saying, and a nuanced approach in implementation. Drawing better?' It all starts with the 37. Compressed Natural Gas 38. Special practice the right qualities… You don't have to go in board considerations and stakeholder consultations belief that there is a Better way Protection Group 39. Electrocardiography search of divinity, it has to come in search of you. are important,” of doing what I am already 40. National Security Guard 41. Closed-circuit Develop the right practices, you don't have to go in RBI's Stance on the CBDC: Sankar had mentioned doing. That is why people are not television 42. Wireless network interface controller search of money, money has to come in search of that the RBI is currently looking at ways to launch the paid more for the Experience but for the expertise. 43. Passenger Name Record 44. Subscriber you. Everything must be naturally drawn towards digital asset for general purposes on a mass identification module 45. Call Detail Record you, everything must be magnetised towards you, population scale. In doing so legal frameworks would Umesh Chand Asawa also need to be taken into consideration. 46. Radio Detection And Ranging 47. Display you don't have to go in search of anything, everything will come in search of you. Make Amendments would need to be made to several Picture 48. Deoxyribonucleic acid 49. Ribonucleic yourself right. existing legal outlines and sections such as sections 24, acid 50. National Register of Citizens Y. Uma Prasanna 25 and 26 of the RBI Act as well as to the Coinage Act of 2011. Additionally, changes would be required to West Marredpalli Branch

76 Speak sweetly; behave politely– Ramesh Kumar Bung. If you are good, the whole world is good to you– Ramesh Kumar Bung. 77 SALARIES GLOBAL WARMING This is the list of Government positions and the monthly Salaries it draws and emoluments in the Indian order of precedence: S. No. Position Basic Payment /month Other Emoluments & Allowances Global warGlobal warming, a gradual increase in the Global Warming Facts: 01. President `5 lakhs + Other allowances average temperature of the Earth's atmosphere and its Ÿ It is the increase of earth's average surface 02. Vice-President `4 Lakhs + Other allowances oceans, is believed to be permanently changing the temperature due to greenhouse gases that collect in 03. Prime Minister `1.6 Lakhs Like MP + Other allowances + allowances Earth's climate. There is debate whether global warming of MP the atmosphere. is real. But the scientific consensus on climatic changes 04. Governors of States `3.5 L akhs + Other allowances Ÿ Greenhouse gases trap heat and keep it close to the related to global warming is that the average temperature 05. Chief Justice of India `2.8 Lakhs + Other allowances earth's surface making it liveable for human and of the Earth has risen between 0.4 and 8 degree Celsius 06. Judges of Supreme Court `2.5 Lakhs + Other allowances animals. However, global warming is due to the over- over the past 100 years. The increased volumes of 07. Chief Election Commissioner `2.5 Lakhs + Other allowances emission of these gases and fossil fuels. Carbon dioxide and other greenhouse gases released by 08. Comptroller and Audit or General `2.5 L akhs + Other allowances Ÿ 09. Chairman, Union Public Service `2.5 Lakhs + Other allowances the burning of fossil fuels, land clearing, agriculture and With the start of industrial revolution in the 1700's, Commission other human activities are believed to be the primary humans began emitting more fossil fuel gases (coal, oil 10. Cabinet Secretary of Country `2.5 Lakhs + Other allowances source of the global warming that has occurred over the and natural gas) to run our cars, trucks and factories. 11. Chief of Staff (Army, Air Force, `2.5 Lakh + Other allowances past 50 years. Scientists from the inter-governmental Ÿ There is more carbon dioxide in the atmosphere today Naval) Senior most Armed Forces panel on climate have predicted that average global than at any point in the last 800000 years. personnel in the rank of General temperature could increase between 1.4 and 5.8 degrees Ÿ and equivalent Since 1870, global sea levels have risen by about 8 Celsius by the year 2100. 12. Chief Justice of High Courts `2.5 L akhs + Other allowances inches. Signs of Climate Change – Arctic Sea Ice: Arctic sea 13. Judges of High Courts `2.25 L akhs + Other allowances Ÿ Warming has observable effects on the environment. ice is declining at a rate of 11.5% per decade. Arctic sea 14. MPs `1.00 Lakh Parliament Office allowance + Glaciers are shrinking ice on rivers and lakes is drying ice reaches its minimum every September. Carbon 45000 + Parliament Session up, plant and animal have shifted grounds and trees Dioxide: It is an important heat-trapping (greenhouse) Allowance 2000 per day + are flowering sooner. 45000 Constituency Allowance gas released due to human activities like deforestation, Ÿ 15. Lieutenant General (UTs) `1.1 Lakhs + Other allowances burning fossil fuels, natural process like respiration and Heat waves caused by global warming pose a greater 16. Chief Ministers (varies from State Telangana `4.10 L; + Other Allowances volcanic eruptions. Global Temperature: 2016 is the risk of heat-related illness and death in human beings. to state) Delhi -3.90; UP 3.65; warmest of the top 10 warmest years since 1880. Sea Ÿ It puts coral reefs in danger as the ocean warms Maharashtra 3.40; level: It is rising 3.16 mm per year. Sea level rise is due to resulting in incidents of bleaching. Andhra Pradesh 3.35; Gujarat 3.21; Himachal the water coming from the melting of glaciers and the Ÿ Though Americans make up just 4% of the world's Land Ice Pradesh 3.1; Haryana expansion of sea water as it warms up. : The population, they produce 25% of the carbon dioxide 2.88; Jarkhand 2.72; MP land ice is sheets in both Antarctica and Greenland are pollution from fossil-fuel burning – by far the largest 2.55; Chattisgarh, losing mass. The continent of Antarctica has been losing share of any country. Punjab 2.3; Goa 2.2; more than 100 cubic kilometres of ice per year, since B. Jyothsna Bihar 2.15; West Bengal 2002. 2.10; Tamil Nadu 2.05; HO: F&A Karnataka 2.0; Sikkim 1.9; Tripura, Kerala 1.85; Mizoram 1.84; Rajastha, Uttarakhand 1.75; Orissa INCLUDE THE IRON RICH FOODS IN YOUR DIET TO BOOST IMMUNITY 1.6; Meghalaya 1.5; Dry fruits Arunadhal Pradesh 1.33; The coronavirus pandemic has made us realise the : Dry fruits such as raisins, figs and apricots are Assam 1.25; Manipur importance of a good immune system. People with known for their iron-rich contents. They are paired to 1.20 Pondichery 1.20; compromised immunity are always vulnerable to eliminate iron deficiency in the body. Include dry fruits in Nagaland 1.10 Lakhs. diseases. This is not to say that people with better your regular diet. immunity can ward off any disease, they still have to take Pulses: Pulses are considered a staple diet in Indian 17. MLAs (Article 164) Highest `2.5 Lakhs + Other Allowances all precautions and follow the mandated guidelines. homes. One cup of cooked dal can provide you 8 mg of (Telangana) Lowest However, the chances of deadly consequences in people iron which is 36% of your daily need. 20000 (Tripura, Soybeans Meghalaya) with a good immune system are very low. It is important : 100 gm of raw soybeans contain up to 15.6 in the first place to keep your immune system in a healthy mg of iron. Soybeans can be consumed in different ways. 18. Secretaries (GOI), Special `2.25 Lakhs + Other Allowances state. Diet should also have nutrients which make your Secretaries, Vice Chief of Armed Boiled, cooked or fried. The iron value will differ Staff, Commanders (in the rank immunity impenetrable. It is essential to include iron-rich accordingly. of Lieutenant General in Armed foods in your diet to keep your body ready to fight any Potatoes: We consume potatoes almost daily and there Forces disease. are several ways to eat the ever-present vegetable. One 19. Chief Secretaries of State `2.25 Lakhs + Other Allowances Spinach: Spinach is packed with iron. This green leafy potato packs up to 3.2 mg of iron. Potatoes are also a Governments vegetable is incomparable in terms of disease resistance good source of fibre, Vitamin C, B-6 and potassium. 20. Additional/Principal Secretaries `1.82 Lakhs + Other Allowances and also increases haemoglobin in the blood. Not just Note: The Salary includes Basic Pay, Dearness Allowance and House Rent Allowance. iron, spinach are also a good source of sodium, calcium and phosphorus. Sandhya Rani Patnaik, HO: F&A

78 Do not believe a thing because another man has said– Ramesh Kumar Bung. Worry less and laugh more– Ramesh Kumar Bung. 79 SALARIES GLOBAL WARMING This is the list of Government positions and the monthly Salaries it draws and emoluments in the Indian order of precedence: S. No. Position Basic Payment /month Other Emoluments & Allowances Global warGlobal warming, a gradual increase in the Global Warming Facts: 01. President `5 lakhs + Other allowances average temperature of the Earth's atmosphere and its Ÿ It is the increase of earth's average surface 02. Vice-President `4 Lakhs + Other allowances oceans, is believed to be permanently changing the temperature due to greenhouse gases that collect in 03. Prime Minister `1.6 Lakhs Like MP + Other allowances + allowances Earth's climate. There is debate whether global warming of MP the atmosphere. is real. But the scientific consensus on climatic changes 04. Governors of States `3.5 L akhs + Other allowances Ÿ Greenhouse gases trap heat and keep it close to the related to global warming is that the average temperature 05. Chief Justice of India `2.8 Lakhs + Other allowances earth's surface making it liveable for human and of the Earth has risen between 0.4 and 8 degree Celsius 06. Judges of Supreme Court `2.5 Lakhs + Other allowances animals. However, global warming is due to the over- over the past 100 years. The increased volumes of 07. Chief Election Commissioner `2.5 Lakhs + Other allowances emission of these gases and fossil fuels. Carbon dioxide and other greenhouse gases released by 08. Comptroller and Audit or General `2.5 L akhs + Other allowances Ÿ 09. Chairman, Union Public Service `2.5 Lakhs + Other allowances the burning of fossil fuels, land clearing, agriculture and With the start of industrial revolution in the 1700's, Commission other human activities are believed to be the primary humans began emitting more fossil fuel gases (coal, oil 10. Cabinet Secretary of Country `2.5 Lakhs + Other allowances source of the global warming that has occurred over the and natural gas) to run our cars, trucks and factories. 11. Chief of Staff (Army, Air Force, `2.5 Lakh + Other allowances past 50 years. Scientists from the inter-governmental Ÿ There is more carbon dioxide in the atmosphere today Naval) Senior most Armed Forces panel on climate have predicted that average global than at any point in the last 800000 years. personnel in the rank of General temperature could increase between 1.4 and 5.8 degrees Ÿ and equivalent Since 1870, global sea levels have risen by about 8 Celsius by the year 2100. 12. Chief Justice of High Courts `2.5 L akhs + Other allowances inches. Signs of Climate Change – Arctic Sea Ice: Arctic sea 13. Judges of High Courts `2.25 L akhs + Other allowances Ÿ Warming has observable effects on the environment. ice is declining at a rate of 11.5% per decade. Arctic sea 14. MPs `1.00 Lakh Parliament Office allowance + Glaciers are shrinking ice on rivers and lakes is drying ice reaches its minimum every September. Carbon 45000 + Parliament Session up, plant and animal have shifted grounds and trees Dioxide: It is an important heat-trapping (greenhouse) Allowance 2000 per day + are flowering sooner. 45000 Constituency Allowance gas released due to human activities like deforestation, Ÿ 15. Lieutenant General (UTs) `1.1 Lakhs + Other allowances burning fossil fuels, natural process like respiration and Heat waves caused by global warming pose a greater 16. Chief Ministers (varies from State Telangana `4.10 L; + Other Allowances volcanic eruptions. Global Temperature: 2016 is the risk of heat-related illness and death in human beings. to state) Delhi -3.90; UP 3.65; warmest of the top 10 warmest years since 1880. Sea Ÿ It puts coral reefs in danger as the ocean warms Maharashtra 3.40; level: It is rising 3.16 mm per year. Sea level rise is due to resulting in incidents of bleaching. Andhra Pradesh 3.35; Gujarat 3.21; Himachal the water coming from the melting of glaciers and the Ÿ Though Americans make up just 4% of the world's Land Ice Pradesh 3.1; Haryana expansion of sea water as it warms up. : The population, they produce 25% of the carbon dioxide 2.88; Jarkhand 2.72; MP land ice is sheets in both Antarctica and Greenland are pollution from fossil-fuel burning – by far the largest 2.55; Chattisgarh, losing mass. The continent of Antarctica has been losing share of any country. Punjab 2.3; Goa 2.2; more than 100 cubic kilometres of ice per year, since B. Jyothsna Bihar 2.15; West Bengal 2002. 2.10; Tamil Nadu 2.05; HO: F&A Karnataka 2.0; Sikkim 1.9; Tripura, Kerala 1.85; Mizoram 1.84; Rajastha, Uttarakhand 1.75; Orissa INCLUDE THE IRON RICH FOODS IN YOUR DIET TO BOOST IMMUNITY 1.6; Meghalaya 1.5; Dry fruits Arunadhal Pradesh 1.33; The coronavirus pandemic has made us realise the : Dry fruits such as raisins, figs and apricots are Assam 1.25; Manipur importance of a good immune system. People with known for their iron-rich contents. They are paired to 1.20 Pondichery 1.20; compromised immunity are always vulnerable to eliminate iron deficiency in the body. Include dry fruits in Nagaland 1.10 Lakhs. diseases. This is not to say that people with better your regular diet. immunity can ward off any disease, they still have to take Pulses: Pulses are considered a staple diet in Indian 17. MLAs (Article 164) Highest `2.5 Lakhs + Other Allowances all precautions and follow the mandated guidelines. homes. One cup of cooked dal can provide you 8 mg of (Telangana) Lowest However, the chances of deadly consequences in people iron which is 36% of your daily need. 20000 (Tripura, Soybeans Meghalaya) with a good immune system are very low. It is important : 100 gm of raw soybeans contain up to 15.6 in the first place to keep your immune system in a healthy mg of iron. Soybeans can be consumed in different ways. 18. Secretaries (GOI), Special `2.25 Lakhs + Other Allowances state. Diet should also have nutrients which make your Secretaries, Vice Chief of Armed Boiled, cooked or fried. The iron value will differ Staff, Commanders (in the rank immunity impenetrable. It is essential to include iron-rich accordingly. of Lieutenant General in Armed foods in your diet to keep your body ready to fight any Potatoes: We consume potatoes almost daily and there Forces disease. are several ways to eat the ever-present vegetable. One 19. Chief Secretaries of State `2.25 Lakhs + Other Allowances Spinach: Spinach is packed with iron. This green leafy potato packs up to 3.2 mg of iron. Potatoes are also a Governments vegetable is incomparable in terms of disease resistance good source of fibre, Vitamin C, B-6 and potassium. 20. Additional/Principal Secretaries `1.82 Lakhs + Other Allowances and also increases haemoglobin in the blood. Not just Note: The Salary includes Basic Pay, Dearness Allowance and House Rent Allowance. iron, spinach are also a good source of sodium, calcium and phosphorus. Sandhya Rani Patnaik, HO: F&A

78 Do not believe a thing because another man has said– Ramesh Kumar Bung. Worry less and laugh more– Ramesh Kumar Bung. 79 AVOIDING THIS ONE THING BEFORE BED CAN HELP YOU BURN MORE FAT BIG DATA

From checking email first thing in the morning to effect, the reduction in energy expenditure during study Big Data is a huge volume of data received from a Metadata: It is data about the data. Metadata is watching TV before bed at night, our devices are an subjects' sleep was still significant enough that it could source (like space rocket launch, nuclear test, super defined as a set of data that describes and give integral part of our everyday life from the moment we lead to physiological changes in the long run. This isn't online sales) which cannot be managed by traditional information about other data. The importance of wake up to the moment we fall asleep. Unfortunately, the first time artificial light has been linked to the potential RDBMS systems like Oracle, MySQL, DB2 etc., All metadata continues to grow as organisations are that may mean that we're doing ourselves a disservice in for weight gain, though. According to a 2019 study social media platforms, Telecom and health care realising that to fully exploit the business and terms of not only our sleeping habits, but our overall published in JAMA Internal Medicine, among a study industries deal with huge data usually in petabytes operational potential of the machine learning, deep health—and weight. In a June 2021 study published in population of 43,722 women between ages 35 and 74, (1024 terabytes or 1 million gigabytes) also data has learning and artificial intelligence requires that the raw Scientific Reports, a group of 10 adult males were those who slept with either a light or television on in their exposed to light-emitting diode (LED), organic light- room had higher rates of obesity at the beginning of the more variety like structure and semi-structured data data be enhanced with metadata. While the volumes emitting diode (OLED), or dim light four hours prior to study and were 17% more likely to have gained 11 which flows with high speed Big Data frame works are of actual data grows, there is even more metadata, falling asleep inside a metabolic chamber, in which they pounds or more after the study's conclusion. designed with concepts of distribution of data to around the usage and source of the actual data. were monitored by researchers. While the JAMA Internal Medicine study's authors handle Big Data characters such as- Research on phone calls discloses a significant The researchers found that the study subjects who'd been admitted that the precise link between light exposure and 1.Volume (storage space); 2. Velocity (processing amount of personal information without accessing exposed to LED light experienced a significant reduction weight gain wasn't clear from their research, other speed – high speed of data accumulation); 3. Verity: actual voice records. Graph analyses of phone call in their ability to burn fat while they slept. "Although no scientists have their theories: For instance, a 2019 review (Structured, semi-structured and 4. under-structured metadata can reveal frequency, recency, strength and effect on sleep architecture was observed, energy of research published in Chronobiology International data-inconsistencies & uncertainty); 5. Value: Extract the nature of relationships among people. expenditure and core body temperature during sleep found a link between exposure to blue light and shorter useful data. were significantly decreased after OLED exposure. REM sleep—which has been linked to weight gain. So if BIG DATA META DATA Furthermore, fat oxidation during sleep was significantly you want to improve the quality of your sleep and lower after exposure to LED compared with OLED," said improve your health along the way, try turning off those A lar ge volume of complex data that is Data that describes other data. Kumpei Tokuyama, Ph.D., a professor in the school of devices—and the lights—before you turn in at night. If diffcult to process using traditional data Always informative Health and Sports Sciences at the University of Tsukuba you want to improve your sleep, start with these 7 processing application software. Always processed and senior author of the study, in a statement. Healthy Diet Changes That Help You Sleep, and for more Can be informative or not Helps to understand the nature and features According to Tokuyama, this may mean that using your healthy living news delivered to your inbox, sign up for Not always processed of data. devices before bedtime could make it harder to lose our newsletter! Allo ws NoSQL databases to store data with weight—or may even lead to weight gain over time. Dharmender Kumar large quantity, high velocity and various types. While exposure to OLEDs versus LEDs may have a lesser Dilsukhnagar Branch PUTTING BYTES IN PLACE Megabyte : 1000000 qualities. He completely forgot his values and indulged in Gigabyte : 1000000000 AJAMEELA sinful life. Terabyte : 1000000000000 As a result, he had children with "then-prostitute" and in Petabyte : 1000000000000000 Ajameela is the main character of a story in canto 6 of the serving his woman and children, he neglected to devote Exabyte : 1000000000000000000 Bhagavata Purana. In Hinduism, the story of Ajameela is time to God. But, due to his past moral values and Zettabyte : 1000000000000000000000 used to illustrate that by uttering God's divine name, devotion to God, Ajameela was capable of seeing there is hope for even the sinful to be redeemed from their Yamadutas - the servants of Yama (the god of death in Yottabyte : 1000000000000000000000000 T. Girish propensity to commit sins. Hinduism), when they arrived to take out his soul. He HO: IT Ajameela was raised according to the Vedic regulations. was so into his family, that even on his death bed, he He was a perfectly trained Brahmin and had a beautiful called out to his son, whose name was Narayana, instead wife. But one day, while he was out in the fields collecting of praying to God. (Narayana is another name of flowers for worshipping the Lord, he happened to see a Krishna). Krishna appeared at that instant and took drunken man and a prostitute engaged in a sexual Ajameela with him, cleansing him of his sins in his life. embrace. Ajameela became bewildered and attracted; Although Ajameela did not devote his life to prayer, he L e t o u r b e h a v i o u r n o t b e How the world sees you makes a his mind becoming more and more attached to the was purified from all his sins because at the last moment instigated by forces from small difference. How you see prostitute. Although Ajameela was a strict Brahmin he he chanted the holy name of Krishna, Narayana. outside, but be born out of an y o u r s e l f m a k e s A L L t h e became helplessly entangled by seeing a man and The story promises that the Lord is waiting for a man to internal value-based choice. difference. prostitute kissing each other. Consequently, he took this call for him. Even an innocent utterance of His name is Ramesh Kumar Bung Umesh Chand Asawa prostitute into his home as a maidservant. Inevitably, he enough for Him to lend helping hands to man. became so entangled that he abandoned his family, wife Amith Kumar Bajpayee and children and went off with the prostitute. Due to his HO: PBD illicit connection with the prostitute, he lost all his good

80 Talk less and do more– Ramesh Kumar Bung. Anger brings destruction to man– Ramesh Kumar Bung. 81 AVOIDING THIS ONE THING BEFORE BED CAN HELP YOU BURN MORE FAT BIG DATA

80 Talk less and do more– Ramesh Kumar Bung. Anger brings destruction to man– Ramesh Kumar Bung. 81 ANDHRA PRADESH WEBINAR ON EFFECT OF RECENT MAHESH CO-OPERATIVE JUDGEMENT OF SUPREME COURT URBAN BANK LTD. (MULTI-STATE SCHEDULED BANK) Website : www.apmaheshbank.com ON 97TH CONSTITUTIONAL AMENDMENT BANKING SOLUTIONS

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National Federation of Urban Cooperative Banks and Credit Societies Ltd., New Delhi has conducted a Webinar on effect of Supreme Court recent Judgement on 97th Constitutional Amendment on 31st July, 2021. The Webinar started with the opening remarks about the purpose of the webinar, spoke about the impact on the Multi-State Cooperative Societies in the backdrop of Part IX-B of the Constitution of India in terms of the operative guidelines. Sri Sh. Yogesh Sharma, CEO, NAFCUB, Sri S. Rajappa, Senior Advocate on record, Supreme Court of India, Sri Ramesh Kumar Bung, Chairman, Sri Umesh Chand Asawa, MD & CEO, A.P. Mahesh Co-operative Urban Bank, Smt. Alka Srivastava, Sri Ramesh Mantri, Sri Madana Gopala Swamy, Sri O.P.Sharma, Sri M. L.Sharma, Sri Shyamldhar, Sri Pratap Narain Paria and Sri G.Ramamoorthy, representing various co-operatives of States have participated in the webinar. Sri S. Rajappa, Senior Advocate on record, Supreme Court of India spoke at length about the amendment of the Constitution. He has thrown light on the subjects like term of the Bank’s Board, audit of accounts, dilution of principles of cooperation, preservation of the interest of Multi-State Cooperative Societies, power hassles, freedom of states to form Laws, consistency with basic norms of the Constitution, provision for supersession and cancelling of the Board and imposition of various penalties. He further narrated on the judgment of Supreme Court that the Supreme Court of the view that there are two separate parts within Part IV-B, one dealing with State C-operative Societies and other dealing with Multi State Co-operative Societies. Parliament (Union) being empowered so far as Multi State Co-operative are concerned and the State Legislatures to make appropriate Laws so far as other co-operative societies are concerned, he mentioned. 07949130422 07949130423 Sri Rajappa also interacted with other participants who discussed about passing of legislation in their State for Account Statement for Card Block Houses and the professional approach in the General Body Meeting. The webinar was concluded with proposal of vote of thanks. 07949130424 07949130425 for Cheque Book Request for Loan Enquiry

Feed the poor, nurse the sick, and see yourself in them– Ramesh Kumar Bung. 82 ANDHRA PRADESH WEBINAR ON EFFECT OF RECENT MAHESH CO-OPERATIVE JUDGEMENT OF SUPREME COURT URBAN BANK LTD. (MULTI-STATE SCHEDULED BANK) Website : www.apmaheshbank.com ON 97TH CONSTITUTIONAL AMENDMENT BANKING SOLUTIONS

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Feed the poor, nurse the sick, and see yourself in them– Ramesh Kumar Bung. 82 USE THE TECHNOLOGY FOR THE PRESENT AND CELEBRATE THE FUTURE

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