Postal Regn. No. : HD/1145-2020-2022 Date of Publication : 7th May, 2021 RNI Regn. No. : APENG/2011/38018, Dated 24-06-2011 Date of Posting : 9th May, 2021 HAMARAHAMARA PRAYASPRAYAS THE MONTHLY TABLOID OF ANDHRA PRADESH MAHESH CO-OPERATIVE URBAN BANK LTD. Editor : Ranjana Sharma Associate Editor : A. V. Rama Rao

Volume - XI | Issue : 5 | Price : ` 1/-

From the Chairman’s Desk relationships into your life that will eventually hurt what you do. Learn more than what others know. you, but you will also repel the avenues of love. Do more than what others do. Expect more from When you are attracting the negative, you are yourself than what others expect of you. If you obviously repelling the positive. This explains the want Krishna besides you, then you have to ATTRACTING THE LIFE YOU DESIRE reasoning behind, “Why positive thinking?” qualify yourself as the best warrior. Competence Positive thinking helps you to attract the positive, magnetises the divine grace. If you want the best Our Universe is a cosmic magnetic field. Gravity and thus repel the negative. It is for this very from life, you got to give your best to life. And, is fundamentally magnetism. Our galaxy (Milky reason that every religion insisted on the practice without purity there is no spirituality. Without Way), our solar system and every other galaxy of forgiveness. Blatantly stated, forgiveness is not self-purification the divine shall not descend. and the various celestial bodies are all suspended some saintly quality to emulate, but for the sheer Without process excellence there cannot be in the Cosmic space, controlled by mutually selfishness of getting your magnet right, you need excellence in results. Consistently do this acting magnetic forces. All of them are attracting to practice forgiveness. process-audit: “Are my processes in congruence and repelling each other, thus holding each other It is not enough what you think for yourself. It is to my desires?” Thirdly, you need to have in their respective positions, and aiding the equally important what you think for others. It is connectivity to a source of energy: a place or a rotations and revolutions. Any imbalance in the not enough you think good for those who have person. A house can be with a residential cosmic magnetic field, even momentarily, results been good to you. It is equally important that you electricity connection, but not a factory. A factory in the cosmic accidents causing the big bangs and think good even for those who haven't been good would need an industrial connection. Similarly, the falling meteors. to you. It is not enough you celebrate your our private reserve of energy is enough for us to Scientifically explained, from the cosmic success alone. It is equally important that you meet up with our day-to-day demands. magnetic field manifested this bio magnetic field celebrate everyone's success. Stop looking at However, higher the ideals, bigger the goals, called human. You are the manifested essence of what has left you and start focussing on what you deeper the purpose, then greater are the needs for Existence. The basic properties of the magnet, are left with. Count your blessings and never high reserves of energy. Places of worship, attraction and repulsion, manifested itself as your your troubles. Don't feel too much with your irrespective of the religion, are supposedly spaces sixth-sense, the sense of discrimination – pain or failures, but focus on the lessons learnt. with high vibrations. That's why, some spaces fill pleasure, right or wrong, good or bad, this or that Celebrate every success of yours, and run your people with vibrations. Our physics laboratory – choosing one and repelling the counter victory laps. experiments remind us that an electromagnetic possibility. As important it is that the cosmic Every time the world tells you, “You can't,” field cannot function effectively with a voltage magnetic field be in perfect sync for the cosmos to remember, “The loudest way to tell the world to drop. Similarly, for your inner-magnet to work be hassle-free, you have to get your magnet right shut up is to produce results.” Every time the effectively, your energy reserves have to be high. for your life to be flowing zero-defect. world tells you, “You can,” acknowledge by The more you stay in the presence of a rose There are three components for you to get your telling them, “I will prove you right.” Secondly, garden the more you will begin to smell roses. magnet right: Your dominant thoughts and your processes have to be in congruence with Find something to hold on to and hold on to it feelings have to be right. Your processes have to your desires. It is an eternal law that we do not get with complete faith. The Vedas suggest, true be in congruence to your desires. Your energy in life what we desire, but we only get in life what growth is only when a man from a life of levels have to be high. Firstly, whatever are your we deserve. It is only by getting our processes in 'maximum efforts producing minimum results' dominant thoughts and feelings that become the congruence with our desires that we deserve their transforms into a life of 'minimum efforts direction of your magnet, and you attract more of fulfilment. You cannot desire east and go west. It producing maximum results'. And the only way it into your life, and repel the counter possibilities. takes what it takes to be healthy and fit: to achieve it is by getting your magnet right. If you are abundant-conscious, then that's what Discipline. Unless you are tough on yourself life Thought management plus process management you will attract into your life. If you are scarcity- will not be easy on you. If you want to be a plus energy management: All the three have to be conscious, then that's what you will attract into pathfinder you must dare to be a path breaker. right for your magnet to be right. Gautama your life. It also explains why for some people Unless you are willing to subordinate your likes Buddha is just a Siddhartha who got his magnet everything is a problem, and why for some and dislikes you cannot fulfil the purpose of your right. nothing is unsolvable. It is their dominant life. Ramesh Kumar Bung thoughts and feelings that make it so. To be a Numero Uno, you got to be the best in As a result, you will not only draw more and more

If your heart is pure, there would be no craving for anything – Ramesh Kumar Bung. 01 MD & CEO SPEAKS

START LOOKING FORWARD either his sweat or his performance or show progress. Contentment doesn't mean you should be ambitious. Contentment only means, “I will My Dear Colleagues, cherish what I have without any regrets.” As long as I cherish what I have Anyone can be one among the crowd. The joy of living life is in standing with no regrets and continue to strive for more, I can be ambitiously above the crowd, and in walking a different path. It's a choice you have to contended. Our thoughts create our reality. We get what we focus make. Make the decision right now. Do you want to be just anybody in upon. In any situation, we see what we expect to see. life or do you want to be somebody in life? No matter how little we have, we are rich, if we are grateful. No matter If you live like everybody, you will become like everybody. Walk the path how much we have, we are poor, if we are ungrateful. A heart laden with everybody walks, and you'll reach the destination everybody reaches. gratitude need not go in search of abundance. Instead, abundance will Walk a different path and you'll create a different destination for yourself. flow into our life. In a world that wants progress, it pains to hear phrases If you keep thinking the same way, you will keep doing the same stuff. If like 'Monday morning blues'. It is shocking to hear that more heart you keep doing the same stuff, you will keep getting the same results. attacks happen on Monday mornings than any other time of the week. Expecting your life to change without changing the pattern of your Work is our only salvation. Work is the only way to progress. thoughts is insane. Doing the same stuff but expecting newer results is Nothing develops man like work does. Let Mondays become sheer madness. If the effect has to change, then the Cause must holier to us than Sundays or Fridays. Let us become the generation that change. looks forward to the beginning of a week much more than the weekend. If you have to reach where you have never reached, then you Let work become our primary form of worship. Anyway, 1/7th of our life will have to take the path that you have never taken. If you have will be Mondays. Might as well, let us look forward to Mondays. Let us to achieve what you have never achieved, then you will have to do the find a work that gives us the inner expression. We will find happiness in things that you have never done before. If you have to accomplish what it. Let us make the world recognise the value we add through our work. no one has ever accomplished, then you will have to do what no one has Thus, we will find success in it. Let us be grateful for having found an ever done. If you want to be a pathfinder, then you must be inner expression through which we are able also find our success. We will find god through our work. Let us make this work of ours useful to the willing to be a path breaker. You cannot have a breakthrough unless world. And, we will find our life's purpose in that work. you are willing to break with. If you cannot run ahead of others, then dare We need a new world. We need a new consciousness. We need a new to run completely in a different direction with the belief that one day this future. We need a new path. Can this be a new beginning? Together, can world will follow you. we cause this new beginning! Let us give, but give in ways that will create a tomorrow for those who receive. Let there be 'No free lunch'. Nobody gets something Cordially Yours, for nothing. For what they receive they have to give back something – Umesh Chand Asawa

RBI TO CONDUCT CUSTOMER SATISFACTION SURVEY ON BANK MERGERS

The Reserve Bank of (RBI) has decided to conduct a customer following product(s)/service(s)/area(s)'; satisfaction survey to find out the impact of the recent mergers of state- and 'The nature of problem I faced in the owned banks on banking services being availed by individuals. Among product(s)/service(s)/area(s)'. The other things, the respondents will be asked whether the merger was participants will also be asked: 'overall, positive from the point of customer services. The choice before the the merger has been positive from customer will be to tick one of the following options -- strongly agree; customer service perspective'; and agree; neutral; disagree; or strongly disagree. The proposed survey will options against this are 'strongly agree'; cover a total of 20,000 respondents from 21 states, including Uttar 'agree'; 'neutral'; 'disagree'; and 'strongly Pradesh, Maharashtra, West Bengal, Tamil Nadu, Bihar, Karnataka, disagree'. While inviting quotations for Madhya Pradesh, and Gujarat. In all, there will be 22 questions. Of the conducting the 'Bank Customers' 22, a set of four questions has been drafted separately for assessing Satisfaction Survey' from survey customer service and grievance redress issues of customers of branches agencies, the central bank said the approved vendor will be required to of banks that have been merged with other banks in the year 2019 and conduct interview over phone with recording of customers of bank 2020. branches falling in identified states. The RBI will provide the contact number of the customers of bank branches selected from the 21 states. Among public sector banks, Dena Bank and Vijaya Bank were merged The selected agency will have to complete the survey work and submit the with Bank of Baroda; Oriental Bank of Commerce and United Bank of report to the RBI by June 22, 2021. Request for quotations (RFQ) India with Punjab National Bank; Syndicate Bank with Canara Bank; document said the questions have been framed to capture the customer's Allahabad Bank with Indian Bank; Andhra Bank and Corporation Bank experience and perception of the grievance redress mechanism of with Union Bank of India. Also, Lakshmi Vilas Bank was merged with his/her bank. It is also for awareness about the grievance redressal DBS Bank. The questions related to mergers are: 'I did not face any mechanism of the bank and the banking ombudsman. problem in availing services after the merger'; 'I faced problems in the

02 Kill all doubts ruthlessly with the sword of unswerving faith– Ramesh Kumar Bung. WHY JUDGEMENT HAPPENS WITHIN FAMILY

"You will not be spared from the judgement of the world, nobody in the being a blessing to a greatest trouble in your life. So, she has to keep world can be spared from your judgement of them." The nature of human servicing your judgment all the time. The entire complexity of life, intelligence, one of the inherent traits of human intelligence, the natural especially in a relationship that is alive and dynamic… you cannot come manifestation of human intelligence is it has to classify and categorize up with fresh judgment of Krishna, because Krishna is not a dynamic everything. And because the nature of human intelligence is it has to relationship anymore. The attributes are already written, the story is classify and categorize everything, it cannot stop judging. already written, the miracles are already recorded, the mythology is You will not be spared from the judgment of the world – nobody, as much already created around, the stories are already told, you have already as the world is not spared from your own judgment. Can be your own formed your judgment and perception, he is nothing to you or something father, but you cannot stop judging, at any given time, at various levels of to you, it's over. your own growth and development. When you grow into an adult, you That's not the case with your children. At 7 and 10 and 12 and 14 and 16 judge him as a man. When you become a professional, you judge him as a and 18 and 20 and 22, and after they become 50, they still have to live up professional. When you become a husband or wife, you judge him as a to the judgment of the parents. You don't respect me. You could have husband or wife. Even your own father and your own mother and your… lived your entire life… Even after that you'll have to still in the next incident they cannot be free from your judgment. prove to your father you respect him, you're never free from it, and it is not Your husband, your wife and a lifetime together, and because yours is a something that, it's not your father problem or my father problem or his judging intelligence, it's not enough that you got married to a good man, mother's problem or that husband's problem or this wife's problem or this that man has to keep proving to you he is good for the rest of his life. son's problem or that daughter's problem, the nature of human Incident by incident, experience by experience, has to keep proving. She intelligence which defines you as a human being is, it cannot stop has to continue to keep living up to your judgment. It's not that one day classifying and categorizing. you decided that she is the greatest blessing of your life and sure enough she is, but it doesn't end there.Two-three things do not go in your Raghuram Shetty relationship the way you expected, that's all it takes she can shift from General Manager

FIGURES OF THE BANK AT A GLANCE AS ON 31.03.2021

[UN-AUDITED] [in Crores] S.NO. PARAMETER AMOUNT S.NO. PARAMETER AMOUNT 01. Aggregate Business 4449.76 08. Per Employee Business 7.33 02. Deposits 2963.73 09. Total Income 300.60 03. Advances 1486.03 10. Net NPAs NIL 04. Profit Before Tax 44.20 11. CRAR (%) 20.14 05. Profit After Tax 34.19 12. CD Ratio (%) 50.14 06. Working Funds 3464.24 13. Low Cost Deposits (%) 23.45 07. Members Funds 367.91 14. Return On Assets (%) 0.98

BRANCHES WITH MORE THAN 100 CRORE BUSINESS AS ON 31.03.2021 [in Crores] S.NO BRANCH DEPOSITS ADVANCES TOTAL S.NO BRANCH DEPOSITS ADVANCES TOTAL BUSINESS BUSINESS 01. Begum Bazar 378.66 83.84 462.50 08. Balanagar 70.41 55.01 125.42 02. Himayatnagar 212.66 115.61 328.27 09. Charminar 102.34 18.64 120.98 03. Sultan Bazar 214.86 100.29 315.15 10. Champapet 41.39 69.92 111.31 04. Siddiamber 185.03 41.20 226.23 11. Monda 80.94 25.65 106.59 Bazar Market 05. Secunderabad 148.80 72.76 221.56 12. Khairatabad 71.85 33.37 105.22 06. Ameerpet 109.50 69.57 179.07 13. Guntur 35.58 69.25 104.83 07. Kachiguda 127.56 29.40 156.96 14. Abids 58.67 41.70 100.37

Evil is born out of ignorance– Ramesh Kumar Bung. 03 GRATITUDE TO MATHA, PITHA, GURU AND DAIVAM

Begin and end your day expressing gratitude to Matha, Pitha, Guru and intellectual, emotional and spiritual development to your Guru. Deivam. Express your gratitude to the four creators, and you will see What's not possible for those who have the vibrations and energy of positive changes in your life. Without that formless presence, Deivam, their Guru? Also understand, Matha is the first relationship you nothing exists. The causes behind your form are Matha and Pitha. And recognise. She shows you who your Pitha is. Pitha takes you to the lastly, you owe your mental, intellectual, emotional and spiritual Guru. And, the Guru leads you to god. And all the four together development to your Guru. complete you. Aum, known as praNava mantra, is considered a sacred Certain chairs are powerful. And because of the chair, the person sound in the Indian religions, including Hinduism, Sikhism, Jainism, sitting in the chair becomes powerful. Off the chair, he may be just a and Buddhism. The syllable is taken to consist of three phonemes, a, u common man, and yet, from the chair he is very powerful. It is not about and m, symbolising the three Vedas or the three stages in life (birth, life the man, but it is about the chair that he occupies. Irrespective of and death) or the three states of consciousness (waking, dream and whether you personally like the man or not, he is the judge in your case, deep sleep) or the three – Bramha, Vishnu and Shiva. The sanctity of for he holds the chair. And, his verdict will make all the difference. For MathA, PithA, GurU and DeivaM is also that, if you assemble the last those who voted for him and even for those who didn't vote for him, now letters from them, you have AAUM. that he occupies the Prime Minister's chair, he is the Prime Minister. Who is God? The one without a second is God. You can have many Even if you are the leader of the opposition, you are still a citizen of the motherly relationships in life, but there is only one Matha – the one who country, and hence he is your Prime Minister. nurtured you in her womb. That's not replaceable. Matha is, one It is not about the man, but it is about the chair that he represents. without a second. You can have many godfathers in your life, but there Whether she has passed your judgment or not, you have to pass her is only one Pitha – the source of the sperm, from whom it all began. judgment to get promoted to the next class. This year she is your English That's not replaceable. Pitha is, one without a second. There can be teacher. Her name and form are incidental, but the chair cannot be multiple teachers, but only one Guru. Guru is the beacon to a spiritually ignored. Chairman of the group is basically a chair – in it now he sits, aligned life. Guru is the one who liberates you. It is a relationship of earlier it was his father, and later it will be someone else. No matter deep love, reverence, surrender, and faith. Through him one who, the one who sits in that chair will sign as the Chairman of the experiences the first glimpse of divinity. group. Whether it is man-made systems or the nature's law, you have to A Guru is one with inexplicable gravitation. There is a constant pull. give certain chairs their prescribed status. That's the rule. That's the There is an irresistible invitation. There is something truly magnetic law. You ignore these chairs (positions) at your own peril. You respect about a Guru. Guru is a presence, a presence that transforms the very these chairs (positions) for your own benefit. chemistry of your being. The closer you feel with your Guru, the closer Nature's constitution is such that for every alignment there is a pay-off, you feel with yourself and your God. The more attracted you feel and for every non-alignment there is a price-to-pay. And it is the law of towards the Guru, the more independent you become. The more you the nature that Matha, Pitha, Guru and Deivam have been given these become surrendered to the Guru, the more you feel your freedom. exalted chairs in life. Irrespective of their relationship with you, your What you share with a Guru is not a relationship; it is connectivity. It is relationship with them has to be right. It is not what you mean to them, much beyond the physical realm. It is truly spiritual. The Upanishads but it is what they mean to you that make all the difference. Hence, you elicit five signs of a satGuru (true Guru). It states, in the presence of the hold your feelings towards them right, irrespective of their feelings satGuru, towards you. Knowledge flourishes:; Sorrow diminishes; Joy wells up without any If you see me as a Guru, you become a seeker; If you see me as a reason; Abundance dawns, and, All talents manifest. If you have found Beloved, you become a lover; If you see me as a Master, you become a such a presence in your life, then there could be no greater blessing than disciple; If you see me as a Teacher, you become a student; If you see me this. That one who enabled you to experience the first glimpse of as an Incarnate, you become a devotee; How you see me makes no divinity is not replaceable. Guru is, one without a second. Whether you difference to me, but it makes all the difference to you. follow the faith of 'See all in that one god' or the faith of 'See that one In some rare cases, even assuming your mother was not an ideal mother god in all', all faiths agree that there is only one god. 'All in one' or 'One to you, or your father has been a source of suffering to you, maybe you in all', god is the one without a second. didn't grow in an ideal marriage, maybe you had to grow single- So, Matha, Pitha, Guru and Deivam are all 'One without a Second' – the parented… still forgive them for what you had to go through because of four creators of your life. Matha, Pitha, Guru and Deivam are all 'One them and get your feelings towards them right. The purpose of without a Second' – the four creators of your life. Though three of the forgiveness is not to liberate the other, but to liberate yourself from the four are embodied, they still enjoy the divine status, not for who they clutches of disturbances. It is sathyam that so much about your life will are, but for what they represent. That chair (position) of the 'one turn right by just getting your feelings towards Matha, Pitha, Guru and without a second' represents divinity. In fact, if you cannot experience Deivam right. It is the law. It is the truth. divinity in the three forms – Matha, Pitha, and Guru, you will not be able But then, why this exalted status to Matha, Pitha, Guru and Deivam? to experience divinity in that formless presence – the Deivam. Begin The four are the creators of your life. Without that formless presence, and end your day with salutations to Matha, Pitha, Guru and Deivam. Deivam, nothing exists. You owe your existence to that formless Simply express your gratitude to the four creators, and it is sathyam that presence. The causes behind your form are Matha and Pitha. Your you will see a sea change in your life. form is from them. You are your father's sperm and your mother's Ranjana Sharma blood. And, the bridge between you – the form, and the formless Editor/Dy. Gen. Manager cosmic presence, is the presence of a Guru. You owe your mental,

04 The principles of truth are eternally the same– Ramesh Kumar Bung. THINGS YOU DIDN'T KNOW ABOUT THE SUEZ CANAL It was probably any ordinary day along the Suez the time. Drafting most of these labourers, Canal until one of the world's largest container which often worked in the most inhumane ships, nearly a quarter-mile long, buffeted by conditions, was done under the supervision of high winds and with poor visibility, ran aground the Khedive, basically a viceroy, or governor of on March 23 disrupting 'world trade & Egypt. This means that labour was mostly economy' as claimed by industry experts, forced, and consisted of peasants threatened though until now not much was discussed about into working, basically using handheld tools to this channel of trade in common parlance. After dig up the canal's way. days of scramble authorities have finally 5. The British government initially opposed its managed to set free The Ever Given, the construction: Lesseps, a former diplomat, had enormous vessel weighing 200,000 metric tons, reached an agreement with the Egyptian to clear passage way for other ships through the Suez Canal. government, or rather, the Egyptian Khedive, and together they formed the Under general circumstances, none would pay attention to the activities Suez Canal Company. But because the project had also received support around canals leave alone the trade implications, save for this particular from the French Emperor Napoleon III, the British government saw it as a incident which many have touted to be 'catastrophic' to the world economy. In deliberate act of defiance towards their global shipping power, which far this instance, it could be useful to take a look at the Suez Canal as it were in the surpassed any other at that time. Albeit criticising the project for many years, past, its present status and what the future looks like. Take a deep dive into its the British government did not hesitate to buy a whopping 44 percent of the complex character throughout history and influence on geopolitics and world company's shares when the Egyptian government put them up for auctioning economy. The Suez Canal is an artificial sea-level waterway in Egypt, as more funding became necessary, and continues to be a majority connecting the Mediterranean Sea to the Red Sea through the Isthmus of stakeholder. Suez and dividing Africa and Asia. It was inaugurated in Egypt in December 6.It is approximately 19 miles (29 km) longer after its expansion: At the 1869 and is one of the most amazing industrial achievements that still moment of its completion, the Suez Canal measured about 102 miles, or 164 inspires awe and continues to impress. The Canal was built to connect the kilometers. Out of this grand total, as much as 75 miles were excavated, North Atlantic ocean with the northern Indian one, considerably reducing the which is one of the factors that added to the difficulties of its construction and distance between Europe and Asia, and thus encouraging world trade and delayed completion so much. Nowadays, thanks to the expansion, the Suez transatlantic transportation. This massive construction that took 10 years to Canal will be about 120 miles long, or 193 kilometers. This is a huge complete, has a fascinating history improvement and benefit for transoceanic trade on one of the most popular 1. It was the inspiration for the Statue of Liberty: French sculptor Frédéric- waterways in the world. Auguste Bartholdi came up with the idea of building a grand statue to 7. 15 ships were stranded on it for 8 years: Following the Six Day War in celebrate the Canal, and pitched it to the Egyptian government and developer 1967, the Egyptian government blocked the Canal's entrances with mines Ferdinand de Lesseps. The statue would envision a woman dressed in and abandoned ships. The 15 ships that remained stranded were moored traditional Egyptian garb, wear a torch, and be titled “Egypt Bringing Light to inside the Canal, and many of the crewmembers remained on deck for the Asia”. The idea had been inspired by the Colossus of Rhodos, and it would entire period. During these eight years, the people formed a community of have stood at the Mediterranean end of the Canal. It was also meant to have a sorts, creating their own trading systems and organizing sporting events to practical purpose, serving as lighthouse to passing ships. The idea didn't pass the time. A smaller part of the crew was rotated on and off the moored catch on here, but Bartholdi continued pitching it until it was finally brought to ships every three months. The ships were released in 1975, with all but two New York, where its original name was a more encompassing “Liberty of them no longer seaworthy. Enlightening the World”. 8. Another similar canal was built in Ancient Egypt: History has recorded that 2. An expansion of the Suez Canal is underway: Originally, the Suez Canal an Egyptian Pharaoh by the name of Senuset III built a canal connecting the shortened trips with as much as 7,000 kilometres, while the completed Nile River with the Red Sea almost two thousand years before the Suez project raises that to almost 9,600 kilometres. While the original construction Canal, around 1850 B.C. took almost a decade to complete, this new addition was ready and almost 9. Napoleon Bonaparte also wanted to build it: So many great men tried to double toll revenue for the Egyptian government by 2023. build a canal connecting the Red Sea to the Mediterranean not because of 3. The Panama Canal was projected by the same developer: After successfully sheer inspiration, but because it is such a logical and strategic construction. finishing the Suez Canal, Ferdinand de Lesseps developed the idea of building So when he conquered Egypt in 1789, Napoleon Bonaparte send a team of another canal over the Isthmus in Central America. Encouraged by his researchers to take measurements for such a canal. Unfortunately, they previous success, investors and governments gave their support and go- miscalculated and made Bonaparte reconsider. It was only decades later, ahead, and Lesseps recruited architect and engineer Gustave Eiffel, creator of when new measurements showed that the sea level difference would not the Eiffel Tower. Lesseps had promised that building the Panama Canal would hinder construction, that the project was approved. be easier and quicker than the Suez. The project was initiated in 1881, twelve 10. It facilitated the European colonisation of Africa: Also called the years after the Suez Canal was completed, but was subject to many failures “scramble for Africa”, the years between 1881 and 1914 represent a period and misfortunes under Lesseps' management, including an epidemic that which saw major invasions of African territory by what already were, or resulted in thousands of deaths. Lesseps' company crashed in 1889, while he became great world colonizers. This included countries like France, Great and Eiffel were prosecuted for conspiracy and fraud. Britain, Portugal, Italy, Spain, or Belgium, and which was followed by a 4. The great majority of labourers were native: Most of the people hired to division and colonization of these areas. work on the Suez Canal were native Egyptians. It is estimated there must have been around 30,000 workers in total. Building the Canal was a combined M. Soujanya effort of both primitive manual labour and the latest technologies available at HO: Credit

Do not exaggerate; exaggeration is untruth– Ramesh Kumar Bung. 05 CITIBANK EXIT: WHY FOREIGN BANKS ARE LEAVING INDIA?

Citibank has announced its intention to exit the consumer banking business though big globally, are small in India (in terms of capital) vis-a-vis PSU and in 13 countries, including India. The bank is now looking for a buyer for its private banks. retail book, including the credit cards business as part of its exit strategy. Foreign banks have equally good alternative platforms available to do While declaring its first-quarter earnings for 2021, Citigroup's global CEO business in India which require lesser regulatory supervision like Foreign Jane Fraser made this announcement. 'While the other 13 markets have Portfolio Investment, External Commercial Borrowings, Non Banking excellent businesses, we don't have the scale we need to compete. We Financial Company, Representative Office, Alternative Investment Funds, believe our capital, investment dollars and other resources are better etc. The Indian market remains a bit under-developed for sophisticated deployed against higher returning opportunities in wealth management and trade/ treasury/ lending products. India is primarily a balance sheet driven our institutional businesses in Asia,' Fraser said. lending market where name lending is very prevalent. The other 12 countries include , Bahrain, China, Indonesia, Korea, Cyclically, the last four years have been bad for wholesale banking business Malaysia, the Philippines, Poland, Russia, Taiwan, Thailand and Vietnam. and foreign banks have fast losing their patience. There is intense Citibank India serves 2.9 million retail customers, with 1.2 million bank competition for the top 500 bankable corporates in India, the bastion for accounts and 2.2 million credit card accounts as of March 2020. Market foreign banks, which drives down pricing. As most corporates in India are share of foreign banks has been declining: Foreign banks have been sub-investment grade on international scale of ratings, the risk-return witnessing a slow but certain slide in market share in India. From 6.55% in framework is not conducive for most banks. Stringency in priority sector 2005, foreign banks' share of advances dropped to 4.65% in 2010 to 4.41% lending (PSL) norms may also be cited as a major reason. In early 2018, the in 2015 and 4.15% in 2020. Since the global financial crisis, foreign banks RBI mandated that overseas banks with 20 branches and more on Indian have remodelled business strategies, focusing on key markets to manage soil would have to lend 40% of their total loan book to the priority sector their cost to income ratios and have fully or partially exited the Indian which includes agriculture, micro, small and medium enterprises (MSMEs) market. From Barclays, Deutsche Bank, HSBC, Morgan Stanley, Bank of and rural infra. America-Merrill Lynch, RBS, UBS, Westpac, Standard Chartered- all these MNCs have either shut or sold parts of their portfolios or business, cut down Most banks have been saving on capital due to regulatory burden and to on strength and scale, or exited India completely. factor in black-swan events, like COVID-19. This has reduced their ability to lend, with smaller businesses getting the axe. The COVID-19 pandemic has Reasons for exit: High capital requirements in India versus their parent aggravated the situation. A recovering Indian economy has ceased to be a countries, high costs of operating here have often pushed global banks to priority for international foreign banks and pressure from governments to curb operations to protect profitability. The regulatory costs are higher, conserve capital in home markets have forced them to retreat to save on priority sector lending norms, conditions to fulfil socio-economic objectives costs and protect profitability. The market opportunity is also not massive as of governments — such as opening of Jan Dhan accounts, all this hurts the envisaged. The size of bank loans outstanding as a percentage of GDP has bottomline. Due to the restrictive regulatory regime for branch licensing, remained flat at 51% during the last decade as tweeted by Vivek Kaul. foreign banks have not been able to build scale in consumer and/or institutional banking. After Moody's downgraded India's sovereign ratings to the lowest investment grade category last year, a clutch of foreign lenders with large The Reserve Bank of India did offer a window to foreign banks for national exposures to Indian corporates were forced to sell loans held by them. With treatment in setting up branches or acquisitions (M&As) provided they Citi's exit, boards of many other foreign banks could be faced with the tough switch from the current branch only model to a wholly-owned subsidiary question of whether to remain in or leave the Indian market. model. However, only Singapore-based DBS took the subsidiary route. The cost of regulatory compliance has risen, especially after the implementation of Basel 3 requirements. Basel 3 is better for big banks, while these banks,

WHIRLPOOL GALAXY

This is a spiral Galaxy, which is 23 million light years away from us. The galaxy. Because it is being torn apart by the Whirlpool Galaxy is a familiar one to stargazers and among the many close ongoing interaction, it cannot be easily classified. galaxy neighbours to our own Milky Way. Because of its shape, it was the Its current appearance makes it look like an first galaxy to be classified as a spiral by astronomers. Today, it interests irregular galaxy. astronomers due to its spiral structure and the interaction it appears to be A bridge of gas and dust ties the two galaxies having with its near neighbour, M51b. The Whirlpool Galaxy was first together as they merge. The Whirlpool Galaxy is a discovered in 1773 by Charles Messier, who was charting the skies familiar one to stargazers and among the many looking for objects that might be confused with comets. In 1845, close galaxy neighbours to our own Milky Way. astronomer William Parsons observed the galaxy pair with his telescope at Because of its shape, it was the first galaxy to be Birr Castle, Ireland, and found the spiral structure of the Whirlpool. classified as a spiral by astronomers. Today, it The Whirlpool and its companion, M51b have already passed by or interests astronomers due to its spiral structure and the interaction it through each other once as they dance through a cosmic merger. The appears to be having with its near neighbour, M51b. Similar Facts: The smaller galaxy has been severely disrupted by the encounter, and the Andromeda Galaxy (M31) is the closest large galaxy to the Milky Way and Whirlpool's spiral arms are distorted. The Whirlpool Galaxy is undergoing is one of a few galaxies that can be seen. The Triangular Galaxy, also huge bursts of star birth due to its ongoing encounter with its smaller known as M33, is one of the closest spiral galaxies to the Milky Way. It lies companion galaxy. The whirlpool, like many other galaxies, has a super- 3 million light-years away. massive black hole at its heart, surrounded by rings of dust. The core of the galaxy is quite active — making the Whirlpool what astronomers call a A. V. Rama Rao “Seyfert galaxy”. The Whirlpool's companion, called M51b, is a dwarf

06 Where desire is, there is no bliss; where bliss is there, there no desire– Ramesh Kumar Bung. CCORNERORNER 07. Son: Daddy, please complete my homework. Otherwise, our teacher 01. Teacher: Tunku, tell me where Qutub Minar is. Tunku: I don't know would give me punishment tomorrow. Tunku: Your mummy has teacher. Teacher: Then, stand up on the bench. Tunku: If I stand up, entrusted me with 'home' work already. If I don't do, I will certainly will I be able to see Qutub Minar, teacher? face punishment from her today itself. 02. Tunku: Why does popcorn dance on the pan? Friend: Once you sit on 08. Tunku: Doctor, the medicine you had given me to reduce my the hot pan; you will know the reason. forgetfulness has worked nicely. Do you ask me to continue the same 03. The neighbouring woman: Are you seeing any alliances for your son? for some more days? Doctor: Certainly. Because, I am not the doctor Another woman: I have no rich experience in sales and purchases. It who treated you and had given you the medicine. is being looked after by my husband. 09. Tunku's wife: You see Padma, our neighbour Durga is a terrible 04. Lord Yama in the hell ordered his servants: You fry this sinner in the woman though she appears to be innocent. The neighbour: I am not hottest oil. Tunku: Sir, I am a heart patient. Please use quality Padma; I am Durga only. You are unable to identify me as I am sunflower oil for this purpose. wearing a mask. Speak carefully. 05. Wife: He is defeated in the recent elections. Then, why he is taken in 10. Teacher: Tomorrow onwards, you have examinations; ask me if you the procession? Tunku: Whenever he contested in any election, he is have any doubts. Tunku: Madam, the question paper consists of all defeated. As a result, he is reckoned in the Guinness World Records. the questions; then, whether the answer sheets will have their Hence he is taken in this procession. answers? 06. Friend: It is night 8.00 PM. Still you are not inclined to go home. Sarita Joshi Moreover, you are recently married. What is the reason? Tunku: My Begum Bazar Branch wife also is doing a job. There is an agreement already arrived between us. Whosoever goes home first, that person has to cook.

PANCHATANTRA

THE STORY OF A FEMALE MOUSE said to the Sun, 'My Lord, is there anyone better than you?' The Sun God On the bank of river Ganges, there was a beautiful hermitage. The water answered, 'Yes, Cloud is superior to me, for when he covers me, I am no from the river gushed down on rocks, making a tremendous noise, which longer visible'. frightened the fishes. It whirled round and round, and the water was a mass So, the sage invoked the Cloud and asked his daughter, 'My child, may I of foam. In this hermitage lived sages, who were always absorbed in offer your hand to the Cloud?' She replied, 'Father, he is dark and too cold. I meditation. Their bodies had grown lean with fasting, penance and rigorous don't want to marry him. Find me someone better'. So, the saint said to self-discipline. They ate roots and fruits and drank only holy water from the Cloud, 'Oh Cloud, is there anyone better than you?' The Cloud replied, 'Yes, Ganges. They wore clothes made of bark. Wind is superior to me, for he makes me drift'. And so, the sage invited the The head of this hermitage was Yajnavalkya. One day, while he was bathing Lord of the Wind and said to his daughter, 'What do you say to him?' She in the holy water of the Ganges and offering his prayers, a mouse, dropped said, 'Father, he is very changeable. I don't want to marry him. Find me by a hawk, fell into his hands. Yajnavalkya plucked a leaf from a nearby someone better'. banyan tree and put the mouse on it. Then he took a second bath to purify The sage said to the Lord of Wind, 'My Lord, is there anyone better than himself, because he had been contaminated by touching the mouse. By the you?' The Wind answered, 'Yes, the Mountain is superior to me, for, power of meditation, he transformed the female mouse into a little girl. Then although I am strong, he prevents me from blowing where I want to'. And he took her home to the hermitage and said to his wife, 'My dear wife, we so, the sage invited the Mountain and said to his daughter, 'Now, I am have no child of our own, so please take this little girl and bring her up offering you to him'. She said, 'Father, he is very hard and immovable. I don't carefully, as our own daughter'. want to marry him. Find me someone better'. The sage said to the And so, the child was brought up with great care until she attained the age of Mountain, 'Is there anyone better than you?' The Mountain replied, 'Yes, twelve. When Yajnavalkya's wife noticed that the girl had reached the the mice are superior to me, for the bore holes in my body'. And so, the sage marriageable age, she said to her husband, 'My dear, the time for our invited the king of mice and said to his daughter, 'Now, my little daughter, I daughter's marriage is slipping by. Please give it a serious thought'. He am going to offer you to this king of mice. Do you like him?' replied, 'You are right. I shall give her to someone who really deserves her. If When the girl looked at the king of mice, her whole body began to quiver the girl agrees, I shall summon the Sun and give her to him'. His wife replied, with delight and she said to her father, 'Daddy, he is the best of all! Please 'Yes, please do that'. By the power of invocation, Yajnavalkya summoned transform me into a mouse so that after my marriage to the king of mice, I the Sun god to him. In a moment he appeared before him and said, 'Great shall be able to perform the household duties of my new clan'. By the power Sage, why have you called me?' of his meditation, Yajnavalkya turned her back into a mouse and gave her in Yajnavalkya replied, 'Here is my daughter. If she is willing to marry you, marriage to the king of mice. please accept her hand'. Then he asked his daughter, 'Do you accept the T. Gangadhar Rao Sun God, who lights up the worlds?' She answered, 'Father, he is too fiery- Head Office tempered. I don't want to marry him. Find me someone better'. The Sage

Your face and speech advertise the contents of your mind– Ramesh Kumar Bung. 07 THE GREATEST CHASE: HOW THE WEST INDIES VS INDIA PORT OF SPAIN 1976 MATCH CHANGED MODERN ?

Thirteen Tests, four wins, seven losses: It was not quite the start to his magnificent 177 from Vivian Issac Richards, Lloyd would have regretted captaincy that had hoped for when his young team prevailed the decision to bat first on winning the toss. With 23 fours and two sixes, over Tiger Pataudi's India in the winter of 1974-75. Yet, barely 18 months Richards accounted for nearly half the West Indies total. Five of his hapless later, as the West Indies prepared to host the same opponents at home, the colleagues scraped together an aggregate of two. It was as if the Antiguan team's confidence was at its lowest in years. The past couple of months had was wielding his willow on another galaxy in a parallel universe where been brutal, both physically and mentally. Landing on Australian shores unplayable Indian spinners didn't exist. with a young confident team, the Windies had limped off the aircraft barely West Indies ended the first day at 320 for 5, Chandra picking up all the weeks later, a physically bruised and mentally battered bunch of stragglers. to fall. The next morning Bedi wrapped up the rest to bowl the Responsible for their physical woes had been the brutal pace duo of Jeff hosts out for 359. When the visitors walked out to bat, much to Lloyd's Thomson and Dennis Lillee. The mental disintegration was thanks to an surprise, it would not be his three spinners " off-spinner , Australian summer of racist taunts and abuse off the field, and abject leg-spinner Imtiaz Ali, or left-arm spinner Raphick Jumadeen who ran failures on it. There had been positives, not least of which was the arrival of through the Indian on a relatively spin friendly track. Instead, the young fast bowler , but the 1-5 series result, even Lloyd wrecker-in-chief was young speedster Michael Holding. , the had to admit, was not an unfair reflection of their performance. most experienced of the West Indies fast bowlers had been left out as Lloyd India Arrives in the West Indies: It had been a significant moment in India's (not unreasonably), banked on spin to deliver the goods. cricketing history when, just weeks earlier, Bishan Bedi walked out for the After five consecutive 50s (and three 100s), finally failed at toss at Wellington as Indian . Replacing his mentor and hero Tiger Port-of-Spain, scoring only 26. The law of averages had at last caught up Pataudi, Bedi had become the first Indian spinner to captain the side since with him. Though eight Indians went into double figures, none made it to Ghulam Ahmed two decades earlier. The series in New Zealand ended in a 50. Michael Holding notched up figures of 6 for 65, bowling India out for respectable 1-1 draw, Bedi himself picking up 22 wickets at 13.18. The 228, short by 131 runs. The West Indies second innings started much like action now moved on to the Caribbean. It is a long trip from New Zealand to the first, with three batsmen back in the hut pretty quickly. Kallicharran the West Indies. For the Indians, it involved 62 hours of travel in economy scored a brilliant century and West Indies reached 271 for 6, a lead of 403. class, with long stopovers. The eternally optimistic Indian fans rated their At that stage, having seen Holding's performance in the first innings and team's chances on the basis of the 1971 series victory. Bedi's team with three spinners at his disposal on a deteriorating surface, Lloyd felt however was much more realistic about the challenges that faced them. confident declaring the innings closed. Notwithstanding how harshly The series in 1971 they knew, had been won on the back of a single victory, history may judge him in hindsight, Lloyd's confidence was backed by India's only success in 14 attempts in the Caribbean. This time, awaiting sound logic. After all, India had never chased more than 256 in the fourth them was a far stronger West Indies team, smarting from humiliation, and innings in 44-years of playing . What was more was that no out to redeem itself on all comers. What the Indians did not know however, team since Bradman's Invincibles in 1948, had chased a total of 400 or was that they were fated to be a part of a major inflexion point in the history more to win a Test match. of cricket, no less impactful than the first Ashes Test, the Bodyline series or The Greatest Chase: Saving the Test was the intent at this stage, winning the first tied Test. not even an option, given that history was firmly against the visitors. What In fact, when the team was embarrassed in the first Test and folded up in a they were banking on was that Sunil Gavaskar, , territory match in two-and-a-half days right after, the fickle fans back in , , , India had already written off the series. Memories of Port of Spain 1971 and together made up a long batting line-up. Gavaskar and the motorcades into the city for the victorious team seemed like a would write later: "I was confident that we could save the game because the fanciful dream. The current lineup of , , was still good; but the thought of winning never entered my mind." Vivian Richards, , Clive Lloyd, , Brendan The little Indian opener was in magnificent touch when the chase started, Julien and Michael Holding would walk into most teams in the world of their the first innings debacle all but forgotten. Port of Spain was where day. So losing to such a team was not a matter of shame, but nonetheless it Gavaskar had been thrust into the realm of greatness in his debut series five hurt Indian players and fans alike. The second Test at Queen's Park Oval years before. On his favourite ground, faced with a mammoth total, back was drawn and then the teams came to Port of Spain, India's happy hunting against the wall, he reacted as geniuses are wont to " treating the bowlers, ground, for the third Test. including Holding, with undisguised disdain, while attacking relentlessly. The Most Famous Declaration in Cricket: A perusal of the first innings Giving him company after Gaekwad fell was Mohinder Amarnath, solid in scorecard makes it abundantly clear that at Trinidad in 1976, Tiger impeccable defence, imperious in his hooks and drives through covers. Pataudi's Spin Quartet strategy was still paying dividends even if he had India finished Day 4 at 134 for 1. The West Indian captain was concerned, been replaced as captain by first Wadekar and then Bedi. The medium but not worried. pacers " , Mohinder Amarnath and Eknath Solkar together On Day Five, Gavaskar looked less confident than the previous afternoon, bowled all of 20 overs while Bedi, Chandra and Venkat sent down 90. but scraped through to a century before being dismissed by Jumadeen. In a Chandra picked up six wickets for his efforts, and Bedi four. But for a bizarre turn of events, the declared him caught behind despite a big

08 Have self-conquest; control the mind; you will attain perfection– Ramesh Kumar Bung. gap between bat and ball, but it didn't matter, since the lightning quick with the effort of the Invincibles. But the unexpected consequences of this Murray had him in the meantime. Gavaskar had scored 102 in victory would be era defining. It would change the way cricket was played in 245 minutes with 13 fours. India was 177 for 2, still 236 away from the the following decades. The West Indians had been battered by Dennis target. Brother-in-law Gundappa Vishwanath replaced Gavaskar. Much to Lillee and in the previous series. The Indian Spin Quartet (or the chagrin of the West Indians, he appeared in sublime touch as well. triumvirate in this case) had the measure of them in this Test and had been Mohinder rotated the strike while Viswanath attacked with authority. Lloyd an effective strategy for a decade at that point. These two facts together tried everything including the part-time chinaman bowling of Roy made Clive Lloyd decide that he needed to do something different to Fredericks, but nothing seemed to work. Viswanath notched up his first change the trajectory of West Indian cricket. overseas hundred with an exquisite cover-drive just after tea, and India When the West Indies fielded their team in the fourth Test at Sabina Park, looked well on track for a miracle. and Vanburn Holder were drafted in to join Holding and And then it happened. Viswanath was run out for 112. He had batted for Julien. The Indians were battered with bouncers and beamers from the 220 minutes. India at that stage was 336 for 3, still 66 behind. When the foursome. Bodyline was invoked, Holding asked to deliberately injure the mandatory overs started, the visitors still needed 65. Amarnath now went Indian batsmen by aiming for their body, and Bedi had to declare both on the offensive and with Brijesh Patel took India within 11 runs of the innings closed, at 306 for 6 and at 97 for 5. West Indies ran away with a 10 target before he was run-out, having scored 86 in 440 minutes. This was an wicket victory. The Spin Quartet idea had been adapted to a Pace Quartet innings that truly defined Mohinder Amarnath - the quintessential team strategy by Clive Lloyd. man, and a batsman who you would pick every time in a crisis. Patel For the next two decades, injury, destruction and devastation would be brought up the winning runs without further ado, pulling Jumadeen for a wrought upon hapless batsmen the world over by a pace foursome whose four. Against all odds and defying history, India had pulled off the greatest members would change, but the intent and execution would be chase of all. unrelenting. Hospitals would be on standby when the West Indies played a Clive Lloyd walked back to the pavilion with his team, head down, shaking Test match. Facing up to a Caribbean fast bowler would be no less it from time to time in utter disbelief. The captain's speech in the dressing dangerous to body and life than falling off a speeding motorcycle. The room would go into West Indian cricketing folklore: "Gentlemen, I gave you helmet would be invented. Test cricket would never be the same again. This 400 runs to bowl at and you failed to bowl out the opposition. How many then was the inflexion point, those six fateful days at Trinidad in April runs must I give you in future to make sure you get the wickets?" For India, it 1976, when a brilliant strategy was born from the depths of despair was a huge moment. Journalist Mudar Patherya would say, "This was the brought on by India's Greatest Chase. moment that India grew up." Gavaskar who had been a part of both Trinidad 1971 and Oval 1971 triumphs, would call this "India's greatest G. Amarnath Test victory". HO: Estates The Aftermath: A two-decade West Indian dominance of world cricket: This had indeed been the greatest chase of all, drawing favourable parallels

RBI TARGETS 5.2 % RETAIL INFLATION FOR FIRST HALF OF FY22 Resolution of the Monetary Policy Committee (MPC) April 5-7, 2021

Reserve Bank on 07.04.2021 said it expects retail inflation at 5.2 % in the Ÿ Keep the policy repo rate under the first half of the current fiscal and revised downwards the target to 5 % for the liquidity adjustment facility (LAF) quarter ended March. While headline inflation at 5 % in Feb 2021 remains unchanged at 4.0 %. within the tolerance band, some underline constituents are testing the Ÿ Consequently, the reverse repo rate upper tolerance level. Going forward, the food inflation trajectory will under the LAF remains unchanged at critically depend on the temporal and special progress of southwest 3.35 % and the marginal standing facility monsoon in the 2021 season, RBI Governor Shaktikanta Das said while (MSF) rate and the Bank Rate at 4.25 %. announcing the first monetary policy for the current fiscal. Das said there Ÿ has been some respite from the incidence of domestic taxes on petroleum The MPC also decided to continue with products through coordinated actions by the Centre and states could the accommodative stance as long as provide relief on top of the recent easing of the international crude prices. necessary to sustain growth on a durable However, the combination of international commodity prices and logistics basis and continue to mitigate the impact of COVID-19 on the cost may push up input price pressures across manufacturing and services, economy, while ensuring that inflation remains within the target going he added. forward.These decisions are in consonance with the objective of achieving the medium-term target for consumer price index (CPI) On the basis of an assessment of the current and evolving macroeconomic inflation of 4 % within a band of +/- 2 %, while supporting growth. situation, the Monetary Policy Committee (MPC) at its meeting today (April 7, 2021) decided to:

Real sympathy directly enters the heart; lip-sympathy is an empty sound in the air– Ramesh Kumar Bung. 09 WHY GOOD PEOPLE SHOULD BE RICH? Good human beings can help to build a better world by creating a a lot of bad that is happening in the world because of bad people. No, a lot prosperous community of rich people. Financial abundance in the hands of bad is happening in the world because good people are not executing of a good person can positively impact the world, whereas the same their responsibilities. So somewhere, if I had picked up that hundred surplus in the hands of an evil person can destroy the world. Financial rupee note I wouldn't have allowed the bad person to pick that hundred surplus in the hands of a good human being will build a better world; rupee note. What I'm trying to say is this, the amount of official currency, financial surplus in the hands of a bad human being will destroy the especially after demonetization, that's available in the world is supposed existing world. A few crores in your hands and assuming one of you is a to be a constant; either that hundred rupee can be with him or it can be good person, that I leave the decision to you, lot more good will happen to with me, it cannot be with both the people. the world. Which means, if all good people strive to become rich, bad people won't Every good human being has the moral responsibility to be rich, so that, have the money that is required to do what is wrong and what is bad. that financial surplus can be utilized for the betterment of the world. A few There is only one way to vanquish all the evil in the world. There's only crores in the hands of a bad human being, two more buildings will come one way to vanquish all the evil in the world. Talks will not help. Military down; some more bombs will be created, some more suicide squads will will not help. Security measures will not help. There is only one way all be built all over the world. Can anybody lend me a note, currency note? I'll the evil in the world can be destroyed, all the bad people should become promise to give you back. poor. Let's assume he is the rogue, he's my friend, so I'm only taking it as an And there's only one way all the bad people in the world can become example. A good human being, this I am self-prophesising right now, a poor, all good people have to become rich. See, when I say all good good human being walks past that hundred rupee note, and he says “This people have to become rich, if you don't clap, in which category I think is not my money, so I will not take it. This is not my money; I will not take you are in. So at least when I say all good people have to become rich, if it.” A bad human being walks in; he finds that hundred rupee note, he you clap, I'll make this assumption there are lot of good people here. All takes it. If I had picked up that hundred rupee note, I might have done I'm trying to say is, being rich is not just a choice; I think it's a moral something good to the world with that, even if I feel it does not belong to responsibility. Every good human being has the moral responsibility to be me. He has picked up… he'll buy a knife right now with that and hurt few rich, so that, that financial surplus can be utilized for the betterment of the more people. world. We keep saying, looking at him hurt a few people, we keep saying there is Ramesh Kumar Bung

WORLD'S 10 MOST POWERFUL PASSPORTS: HOW DOES INDIA FARE?

With travel restrictions galore due to the coronavirus pandemic you may feel approved electronic visa (e-Visa) before departure, a score of 0 is assigned. like passports are presently not a priority. However, the world runs on hope, The same applies if they need pre-departure approval for a visa on arrival. and there is certainly hope that the pandemic will pass and the world will Explore the world as well as discover the strength of your own passport. rebound into normalcy again. And then when you decide to travel overseas, Here's a list of the World's 10 most powerful passports and also see India's you'll come to see the significance of your passport! The Henley Passport rank: Index is the original and most authoritative ranking of all the world's 1. Japan - Score: 193 ; 2. Singapore - Score: 192 ; 3. Germany, South passports according to the number of destinations their holders can access Korea - Score: 191 without a prior visa. 4. Finland, Italy, Luxembourg, Spain - Score: 190 ;5. Austria, Denmark - The index includes 199 passports and 227 travel destinations, giving users Score: 189 the most extensive and reliable information about their global access and 6. France, Ireland, Netherlands, Portugal, Sweden- Score: 188 ; 7. Belgium, mobility. With historical data spanning 16 years and regularly updated New Zealand, Switzerland, United Kingdom, United States- Score: 187 expert analysis on the latest shifts in passport power, the index is an 8. Czech Republic, Greece, Malta, Norway: Score: 186 ; 9. Australia, invaluable resource for global citizens and the standard reference tool for Canada- Score: 185 government policy in this field. 10. Hungary, Lithuania, Poland, Slovakia- Score: 183 ; 84. India, Robust, reliable, and accurate, the ranking is based on exclusive data from Gabon, Tajikistan - Score: 58 the International Air Transport Association (IATA), which maintains the www.henleyglobal.com/passport-index allows you to compare your world's largest and most accurate database of travel information, and is passport to others, find out the differences in visa-free access, and see enhanced by the Henley & Partners Research Department. The index's where your passport ranks regionally and globally. It also gives you access to scoring system was developed to give users a nuanced, practical, and 16 years' worth of historical data, so you can see how the strength of your reliable overview of their passport's power. Each passport is scored on the passport has changed over the years and view the top climbers and fallers total number of destinations that the holder can access visa-free. For each on the index. travel destination, if no visa is required, then a score of 1 is allocated for that N V Shastry passport. This also applies if passport holders can obtain a visa on arrival, a HO: Marketing visitor's permit, or an electronic travel authority (ETA) upon entry. Where a visa is required, or where a passport holder must apply for a government-

10 Do not deviate from the path of truth in the hour of temptation– Ramesh Kumar Bung. DODO YOUYOU KNOWKNOW?? 01. If males go for shopping, they show interest for only 20 minutes. a rope to his team and pulled a Boeing Flight to a distance without Beyond that time they lose interest on shopping. any mechanical help. 02. Among all creatures, only human beings can feel shy. 20. Nobody knows who found 'Fire Hydrant'. Because, in a fire 03. A person, in his lifetime, spends 79 days for brushing teeth. accident took place once, all the applications of its patent were 04. Dolphins can identify their image in the mirror. burnt. 05. As on the earth, even on the moon, earthquakes take place. 21. In one's life time one dreams for 6 years in total. 06. In Britain, 20000 honeybees followed a toy car for a couple of days. 22. Abraham Lincoln, Walt Disney, Bill Gates, Mark Juke burg, Henry The reason was that their queen was stuck up in the car. An old lady Ford, Thomas Edison, Steve Jobs – all these world famous came to know about this and she carefully removed the female personalities are not graduates. honeybee and let free. 23. Among all the 10 highest statues, 8 belong to Lord Buddha. 07. You need to climb 1710 steps to reach the top of Eifel Tower. 24. Your birthday happens to be birthday of 90 lakh people in the 08. In case a hippopotamus opens its mouth fully, it can accommodate world. a small boat. 25. Icicles are pieces of water frozen from dripping out from the roof. 09. If you want to take a print of all the information in the internet, it Due to its sharp edges, 100 people are dying in Russia. requires 136 billion A-4 size papers. 26. As compared to other food items, there are more chances of 10. It is estimated that there are 9310 tweets in the Twitter per second. increase in weight by eating potato chips. 11. Though they are big in size, elephants cannot bear heavy load. 27. The bacterium is 18% more on cell phones than on the handles of They also face spinal cord problems. toilet. 12. Cats sleep for 16 to 18 hours in a day. 28. The strongest muscle in our body is our tongue. 13. If you want to walk fully on the Greater Wall of China, you need 18 29. In 10th century, high heels were made for men; later, in 18th months. Its total length is 5000 miles. century, women started using them. 14. It takes 2 years for growth of pineapple fruits. 30. Ants work hard for continuously for 12 hours and take rest in 15. The country whose flag has more colours in Belize. It is a Caribbean between only for 8 minutes. country. The flag contains 12 colours. 31. Hot chilly foods are eaten only by human beings. 16. The deepest area on the earth is in Pacific Ocean. In the place 32. Infants below the age of one month do not shed tears though they called Mariana Trench, the depth is 36201 feet. weep as the parts producing tears do not develop in them. 17. The users of internet worldwide are more than 500 crores. 33. There is a village called Monowi in the state of Nebraska in USA. In 18. In English, the most difficult tongue-twister is – 'sixth sick sheik's that village, there lives only one woman of 84 years old. sixth sheep's sick'. P. Venugopal Reddy 19. In 1990, a person called Ramasami Lechemana from Malaysia tied HO: Credit

Enhancement of limit of maximum balance per customer at end of the day from 1 lakh to 2 lakh – Payments Banks (PBs) by RBI

With the second wave of coronavirus spreading rampantly across the lockdowns in Maharashtra are likely to hit banks as nearly a quarter of all country, banks are again staring at a year of defaults, NPAs and bad books. bank loans have been made to individuals and businesses in the state. As Moreover, the RBI is yet to announce a moratorium for this year. Bankers of March 31 2020, Maharashtra accounted for 24 per cent of loans from fear lockdown-like curbs, including curfews, travel restrictions and mall commercial banks. shutdowns, are likely to hurt borrowers, triggering a second wave of Although it is too early to predict the bad loan situation, another round of defaults. Rating agency Fitch, last week said, more than 80 per cent of curbs will hurt small businesses more. As India grapples with a second and new infections are in six prominent states that account for roughly 45% of a fiercer onslaught of the coronavirus, the nascent recovery in the banking sector loans. The operating environment for banks, Fitch said, economy is also at stake. Much like the previous bout of the pandemic, will most likely remain challenging and the second wave could dent the retail loans are expected to experience more stress than corporate loans, sluggish recovery in consumer and corporate confidence, and further said the banker. India's bad loan problems are likely to worsen, with the suppress banks' prospects for new business. existing 7.38 trillion stockpile set to expand in the coming months. “There are also asset quality concerns as banks' financial results are yet to Rating agency Icra estimates 9.6-9.7% of bank loans would have turned fully factor in the first wave's impact and the stringent 2020 lockdown due bad in FY21. The second wave also puts bankers at risk. Around 600 bank to the forbearances in place,” Fitch said on April 9. The apex court in staff died during the pandemic, data from the Indian Banks' Association March directed banks to waive compound interest on loans for all showed. borrowers between March and August. According to a report by Mint,

Reduce evil actions and increase good actions– Ramesh Kumar Bung. 11 HOW DIFFERENT TYPES OF CREDIT CAN BOOST THE CREDIT SCORE?

Your Credit Score is a tool that banks use to assess your creditworthiness. number of years. But if your friend always makes payments on time whereas They use this to check whether you will be able to repay what they have lent you're often late, your Credit Score will differ a lot. You'll definitely end up you. When it comes to your Credit Score, there are several factors that affect having a lower Credit Score than your friend. Moreover, if both of you take it. One of them is your credit mix. Credit mix refers to the type of accounts out a Personal Loan and add it to your credit mix, the effect on your scores that make up your credit report. A credit mix may include different types of will be different. While having a good mix of credit accounts and sticking to credit accounts like Credit Cards, Home Loans, Personal Loans etc. One your repayment schedule will help show lenders that you're responsible, one thing to note about credit mix is that as a factor it's far less important for your thing to note is that you should apply for additional credit accounts only if score than paying your bills on time and keeping your credit utilisation ratio you plan on using the credit, not to just beef up your Credit Score. below 40%. Let's take a look at how credit mix as a factor affects your Credit How To Apply This To Your Credit?: While having a healthy mix of Score: credit accounts bodes well for your Credit Score, it certainly isn't enough to Breaking Down Credit Mix: There are three types of credit accounts: maintain or build your Credit Score. Instalment loans, for instance, are easy Revolving – Instalment - Open to manage if you stick to your repayment schedule and pay off your debts every month. One thing to note is that if you're paying only the minimum Revolving Credit: One of the most common types of credit accounts, revolving credit is a line of credit that you can borrow from but that which due amount every month, you will end up paying interest on the unpaid has a cap, known as a credit limit. Credit Cards are typical examples of amount. Over time, your Credit Card debt will only grow and soon, you revolving credit. It usually involves monthly payments and interest charges if might find yourself in a debt trap. you have an outstanding balance. When the debt you owe to your credit issuers increase compared to the total amount of credit that is available to you, your credit utilisation takes a hit. Instalment Credit: Instalment credit is a fairly common type of loan that Your credit utilisation ratio affects your Credit Score much more than your includes taking a fixed amount of money as loan and a recurring repayment credit mix. This is why it's crucial that you keep an eye on your revolving schedule. It involves loans like Personal Loans, Car Loans etc. credit accounts. Pay off your Credit Card bills on time and in full, every time Open Credit: Open credit is a rarer form of credit and for a lot of people, it and keep your Credit Card balances. This will help to keep your credit doesn't even appear on their credit reports. It refers to accounts that you can utilisation low and boost your Credit Score even more. If you have a track borrow from up to a maximum amount like a Credit Card but which must be record of responsibly using only one type of credit product-whether it's a paid back in full each month. It is generally associated with charge cards (not Credit Card or an Education Loan, it's likely that you have a good Credit to be confused with Credit Cards used for revolving credit). Score. Don't feel compelled to take on more credit if you don't actually need How Do Different Types Of Accounts Affect Your Credit the money. But if you want to take your score to the next level, consider Score?: While credit diversity does influence your Credit Score, what it adding a different product to your credit mix. For instance, if you have only a exactly does to your Credit Score depends on your unique track record with Personal Loan, you can opt for a Credit Card that will help you manage your credit. For example, if you and your friend have the same type of credit expenses better. accounts-say one Credit Card and one Personal Loan each-for the same K B V Hanumantha Rao HO: Credit

ARGUING FOR THE RIGHT REASON?

You already decided, you’re right. So, why are you arguing? Because, you be a meeting point. And the entire process not only argument will end with think your father is wrong. Why is your father arguing? Because, he has timeout, it will also leave one of the two or both hurt in the entire process. already decided he is right. So, two people equally convinced that you are Nobody said better than Abraham Lincoln. When he told one of his soldiers, right. How much ever you communicate, you’ll still believe, you’re right. it’s better to give way to the angry dog than to fight it. For even if you will kill Think. Has ever an argument ended by the other person changing his the dog in the process, what about the injuries you have suffered during the mind? An argument always ends because of timeout. After something fight? It’s better to give way to an angry dog than to fight it. either your bed or he is tired or the TV program is started or you have to go For even if you’ll kill the dog in the process, what about the bites you out, or a phone rang or somebody has come or mommy calls for dinner and suffered in the process? The best way…’the only way to get the best out of an argument only ends as a timeout. argument is to avoid it’, said Dale Carnegie. ‘The only way to get the best Because, you cannot convince a man against his will. In a discussion, we out of an argument is to avoid it’. Don’t waste your time. An argument is are discussing what is right? In an argument, we are arguing who is right? purely an ego affair of two individuals at the point of view, I am right. What began as a discussion, what is right? The moment it has become an Dharmender Kumar argument, who is right? You will continue to prevail from your perspective Dilsukhnagar Branch and he’ll continue to opinionate from his perspective; and there will never

12 Eradicate evil qualities and cultivate virtuous qualities– Ramesh Kumar Bung. HOW DID KRISHNA DIE AFTER THE KURUKSHETRA BATTLE? This is the story of how a god met his end... The popular that got out of hand. Words were exchanged and soon version of the story of Krishna's death starts with everyone was at each other's throats. No one was Gandhari's curse. But the death of Krishna was foretold carrying any weapons so they began pulling out the much before that one event. To be precise, at a time when blades of grass that, by now, had grown tall. Using the Rama was wandering the forests of the land looking for blades as weapons, the Yadavas killed each other, Ravana who had kidnapped his wife, Sita. As we know, bringing end to the entire race. Gandhari's curse was Rama and Krishna are both incarnations of Vishnu. finally coming true. Krishna, who had foreseen all of this, During his travels, Rama comes across Sugreeva, an had gone away to a nearby forest to meditate and await his exiled monkey king who claims to be wronged by his turn. brother, Vali. Rama agrees to help Sugreeva and fires a You see, even as the mace powder had been washed on to fatal shot from behind a thicket. When Vali learns of his the shore, the part of the mace that wasn't crushed was true slayer, he seeks from Rama the permission to kill him swallowed by a fish. That fish was caught by a hunter who in his next life, a boon that Rama grants. fashioned an arrow out of it and several years later, Cut to the end of the Kurukshetra battle when Gandhari is unbeknownst to him, was in the same forest that Krishna mourning the loss of her 100 sons. The Pandavas, was lying in. He mistook Krishna's feet that were sticking accompanied by Krishna, arrive in her chambers to offer out of a bush for a deer and shot the arrow that dealt the condolences but Gandhari is so distraught she curses that fatal blow to the incarnation of Vishnu. When he Krishna's clan would meet a similar gruesome end as that discovered what he'd done, the hunter was distraught and begged Krishna of her sons. Krishna smiles and says tathastu, or so be it, setting into for forgiveness. Krishna consoled him and assured him that he was, in fact, motion the final round of events that would bring an end of the Yadava clan, waiting for his death. Confused, the hunter asks why, if the lord knew of to which he belonged. In the years following the Kurukshetra war, the him, he was waiting at that exact spot. Krishna explains that in his previous Yadavas had grown to be quite unruly. The clan itself was divided in part life the hunter was Vali and had sought permission from Rama to kill him in due to the fact that different factions had fought on opposing sides of the his next life. And so it was that Vali avenged his own death and Krishna's war. The growing mistrust and disdain for each other only grew over the time on earth came to an end. years, as did their arrogance. Purshotamdas Mandhana Once when they were visited by the great sages, Durvasa, Vashishta, Narada and Vishwamitra, they didn't see anything wrong in a prank that their young ones played on the sages. Samba, Krishna's son from Jambavati dressed up as a pregnant woman and with his friends went up to the sages. The friends challenged the sages to predict if the 'lady' would deliver a boy or a girl. Since they were no ordinary sages, they saw through If you settle for who you are, the trick and cursed that Samba would deliver a lump of iron that would You will never become cause the death of the entire race. The next morning, Samba developed labour pains and delivered an iron what you can become. mace. The onlookers were shocked and went up to Akrura, Krishna's uncle for advice. In his wisdom, Akrura suggested that the mace be crushed into a Never settle, keep looking.... powder and that the powder be thrown into the sea. The Yadavas followed Never settle, keep changing.... Akrura's instructions, except, for a small piece that proved impossible to break. So they threw it into the sea without crushing it and went on with Never settle keep growing... their lives. However, as with everything thrown into the sea, the mace powder was washed up on the shoreline and from the soil, blades of a Umesh Chand Asawa mysterious grass began to grow. Several years later, the Yadavas had gathered on the shore for a celebration

PROTECT YOURSELF FROM COVID

The hot water you drink is good for your throat. But this Corona virus is steam from the nose and mouth, eliminating the Coronavirus. If all the hidden behind the Para-nasal sinus of your nose for 3 to 4 days. The hot people started a steam drive campaign for a week, the pandemic will soon water we drink does not reach there. After 4 to 5 days, this virus that was end. So here is a suggestion: * Start the process for a week from morning hidden behind the Para-nasal sinus reaches your lungs. Then you have and evening, for just 5 minutes each time, to inhale steam. If we all adopt trouble breathing. That's why it is very important to take steam, which this practice for a week the deadly Covid-19 will be erased.This practice reaches the back of your Para-nasal sinus. You have to kill this virus in the has no side effects & doesn't cost anything either. So please send this nose with steam. At 50°C, this virus becomes disabled i.e. paralyzed. At message to all your Loved Ones, relatives, friends and neighbours, so that 60°C this virus becomes so weak that any human immunity system can we all can kill this Corona virus together and live and walk freely in this fight against it. At 70°C this virus dies completely. This is what steam does. beautiful world. One who stays at home should take steam once a day. If you go to the *STAY HEALTHY - STAY SAFE* market to buy Groceries, vegetables etc. take it twice a day. Anyone who Gopal Krishan Dev Sharma meets some people or goes to office should take steam 3 times a day. HO: Clearing *Steam week* According to doctors, Covid -19 can be killed by inhaling

Be strong and healthy; be energetic and vigorous – Ramesh Kumar Bung. 13 CHARLIE CHAPLIN

Sir Charles Spencer Chaplin KBE (16 April 1889 which include Monsieur Verdoux (1947), Limelight (1952), A King in New – 25 December 1977) was an English comic York (1957), and A Countess from Hong Kong (1967). actor, filmmaker, and composer who rose to fame Chaplin wrote, directed, produced, edited, starred in, and composed the in the era of silent film. He became a worldwide music for most of his films. He was a perfectionist, and his financial icon through his screen persona, The Tramp, and independence enabled him to spend years on the development and is considered one of the most important figures in the production of a picture. His films are characterised by slapstick combined h i story of the film industry. His career spanned more than with pathos, typified in the Tramp's struggles against adversity. Many 75 years, from childhood in the Victorian era until a year before his death contain social and political themes, as well as autobiographical elements. in 1977, and encompassed both adulation and controversy. He received an Honorary Academy Award for "the incalculable effect he Chaplin's childhood in London was one of poverty and hardship, as his has had in making motion pictures the art form of this century" in 1972, as father was absent and his mother struggled financially, and he was sent to a part of a renewed appreciation for his work. He continues to be held in workhouse twice before the age of nine. When he was 14, his mother was high regard, with The Gold Rush, City Lights, Modern Times, and The committed to a mental asylum. Chaplin began performing at an early age, Great Dictator often ranked on lists of the greatest films of all time. touring music halls and later working as a stage actor and comedian. At 19, By October 1977, Chaplin's health had declined to the point that he he was signed to the prestigious Fred Karno company, which took him to needed constant care. In the early morning of 25 December 1977, Chaplin America. He was scouted for the film industry and began appearing in died at home after suffering a stroke in his sleep. He was 88 years old. The 1914 for Keystone Studios. He soon developed the Tramp persona and funeral, on 27 December, was a small and private Anglican ceremony, formed a large fan base. He directed his own films and continued to hone according to his wishes. Chaplin was interred in the Corsier-sur-Vevey his craft as he moved to the Essanay, Mutual, and First National cemetery. Among the film industry's tributes, director René Clair wrote, corporations. By 1918, he was one of the best-known figures in the world. "He was a monument of the cinema, of all countries and all times ... the In 1919, Chaplin co-founded the distribution company United Artists, most beautiful gift the cinema made to us." Actor Bob Hope declared, "We which gave him complete control over his films. His first feature-length film were lucky to have lived in his time." was The Kid (1921), followed by A Woman of Paris (1923), The Gold Rush On 1 March 1978, Chaplin's coffin was dug up and stolen from its grave by (1925), and The Circus (1928). He initially refused to move to sound films Roman Wardas and Gantcho Ganev. The body was held for ransom in an in the 1930s, instead producing City Lights (1931) and Modern Times attempt to extort money from his widow, Oona Chaplin. The pair were (1936) without dialogue. He became increasingly political, and his first caught in a large police operation in May, and Chaplin's coffin was found sound film was The Great Dictator (1940), which satirised Adolf Hitler. The buried in a field in the nearby village of Noville. It was re-interred in the 1940s were a decade marked with controversy for Chaplin, and his Corsier cemetery in a reinforced concrete vault. popularity declined rapidly. He was accused of communist sympathies, and some members of the press and public found his involvement in a Sai Deepti Panchagnula paternity suit, and marriages to much younger women, scandalous. An FBI HO: Forex investigation was opened, and Chaplin was forced to leave the United States and settle in Switzerland. He abandoned the Tramp in his later films,

DIFFERENCE BETWEEN CONTACT AND CONNECTION

An old teacher was being interviewed by a young professional. The was looking perplexed and embarrassed and started scribbling something on professional started interviewing the teacher as planned earlier. Young a paper... professional - "Sir, in your last lecture, you told us about "Contact" and The old teacher: "Did you have breakfast, lunch or dinner together? Did you “Connection." It's really confusing. Can you explain?" The old teacher smiled ask how he was? Did you ask how his days are passing after your mother's and apparently deviating from the question asked the young professional: death?" Drops of tears started to flow from the eyes of the young professional. "Are you from this city?" Professional: "Yeah..." Teacher: "Who are there at The old teacher held the hand of the young professional and said: "Don't be home?" embarrassed, upset or sad. I am sorry if I have hurt you unknowingly... But this The professional felt that the teacher was trying to avoid answering his is basically the answer to your question about "Contact and Connection." You question since this was a very personal and unwarranted question. Yet the have 'Contact' with your father but you don't have 'Connection' with him. You young professional said: "Mother had expired. Father is there. I have three are not connected to him. Connection is between heart and heart... Sitting brothers and one sister. All married..." The old teacher, with a smile on his together, sharing meals and caring for each other, touching, shaking hands, face, asked again: "Do you talk to your father?" The young professional looked having eye contact, and spending some time together... All your brothers and visibly annoyed... The old teacher: "When did you talk to him last?" The young sisters have 'Contact' but no 'Connection' with each other..." The young professional, suppressing his annoyance said: "May be a month ago." The old professional wiped his eyes and said: "Thanks Sir for teaching me a fine and teacher: "Do your brothers and sisters meet often? When did you meet last as a unforgettable lesson." This is the reality today. Whether at home or in the family gathering?" society everybody has lots of contacts but there is no connection. Everybody is At this point, sweat appeared on the forehead of the young professional. It busy in his or her own world. ... Let us not maintain just "Contacts" but let us seemed that the old teacher was interviewing the young professional. With a remain "Connected." Caring, Sharing and Spending time with all our dear sigh, the Journalist said: "We met last at Eid two years ago." The old teacher: ones..... "How many days did you all stay together?" The young professional (wiping D. Prabhakar the sweat on his brow) said: "Three days..." Old teacher: "How much time did HO: GST you spend with your Father, sitting right beside him?" The young professional

14 Be steadfast and vigilant; be self-reliant– Ramesh Kumar Bung. COVID-19: FREQUENTLY ASKED QUESTIONS IF A PERSON GETS INFECTED

COVID-19 is an infectious disease caused by the recently discovered coronavirus. virus may be airborne and can be spread through fine infected droplets that remain The COVID-19 virus spreads primarily through droplets of saliva or discharge from suspended in the air in closed air-conditioned environments of offices, AC cabs- the nose when an infected person coughs or sneezes. The virus enters the body via buses, shopping malls and theatres due to absence of cross-ventilation, even when nose, mouth and eyes. Some recent studies suggest that virus may be airborne and you are not in direct contact with an infected person. A lot of people with mild can be spread through fine infected droplets that remain suspended in the air in symptoms home quarantine. closed air-conditioned environments of offices, AC cabs-buses, shopping malls and Home treatment – Do's: Stay at home all the time, unless there is a medical theatres due to absence of cross-ventilation, even when you are not in direct contact reason for travel. Practice good hand hygiene. Wash your hands for more than 20 with an infected person. A patient and survivor have several questions in their seconds, including in between your fingers and under fingers and under your nails mind. Here are a few answered: using plenty of soap and water. Otherwise, use an alcohol based sanitizer with What do I do if my symptoms persist?: Recovery period is different from more than 60% alcohol. Do this frequently, especially before you eat, after you use person to person. Don't worry, take advice from your consultant for further the restroom, blow your nose or cough, or before you touch your face. Cover your treatment and follow-up. cough and sneeze. The best way to cough or sneeze is into your elbow. Stay in When is it safe for me to end isolation?: Talk to your doctor. In general, you separate room with door closed. Use separate bathroom. Wipe all surfaces i.e. can resume contact with other people after: You have had three days without doorknobs, countertops, stairway railings and switches, you come into contact fever; It has been at least 17 days since you first experienced symptoms; Your with. Any bleach-containing household product is effective. Wipe your phone with symptoms are improving. If you have a suppressed immune system or other special disinfectant wipes or 70% isopropyl alcohol as it touches your hands and your face conditions, your doctor may recommend a longer period of isolation and/or often. Wash your hands thoroughly after handling cash or credit cards as their further testing. surface may have virus. Wear a facemask if you step out of your room or if someone enters your room. When can I resume my office duty?: You can resume your work routine after: At least 17 days since you first experienced symptoms; You have recovered from Wash your hands before you wear your mask. Only touch ear loops. Protect your symptoms and regained energy levels. immune system by consuming balanced diet, staying hydrated, avoiding alcohol, getting enough sleep and maintain healthy weight. Daily monitor symptoms such I was not tested again after the first COVID positive test – do I need to as dry cough, shortness of breath, fever >102 F, loss of taste & smell. It is good to worry that I may still be positive and infect theirs? : Someone who has have a finger pulse oximeter at home to monitor oxygen saturation. Seek medical completed quarantine or has been released from isolation is not in the infective advice for chemoprophylaxis for your family members. period and does not pose a risk of infection to other people and does not need to be tested again. Home treatment – Don'ts: Don't panic. Don't visit public areas. Don't use public transport. Don't shake hands or hug. Use an alternative greeting Can I get re-infected with COVID-19?: Most people who are infected with maintaining 6-8 feet distance. Don't touch your eyes, nose, mouth or face without the COVID-19 virus, whether or not they have symptoms, produce antibodies washing your hands. Don't share water, utensils, towels or bedding with family (proteins that fight infections) and fighter cells. For those recovered, the chances of members. Don't visit older relatives or community members, as they are most re-infection appear to be very low in the first three months after the initial infection. vulnerable. Discourage visitors. Don't discontinue self-quarantine until instructed. And it's possible that even after that, the low levels of antibodies may be able to protect against re-infection. Home treatment – Instructions for Caregivers: Mask: The caregiver should wear a triple layer medical mask appropriately when in the same room with Can people without symptoms transmit the virus?: Yes, infected people the ill person. Front portion of the mask should not be touched or handled during can transmit the virus even when they don't have symptoms. This is why it is use. If the mask gets wet or dirty with secretions, it must be changed immediately. important that all people who are infected are identified by testing, isolated, and, Discard the mask after use and perform hand hygiene after disposal of the mask. depending on the severity of their disease, receive medical care. These measures break the chain of transmission. Hand hygiene: It must be ensured following contact with ill person or his immediate environment. Hand hygiene should also be practiced before and after Can I get COVID infection without ever being in close contact of a preparing food, before eating, after using the toilet, and whenever hands look COVID positive person? : Yes, you can. Recent studies indicate that COVID dirty. Use soap and water for hand washing at least for 40 seconds. Alcohol-based can spread through tiny droplets that remain suspended in the air for long. In closed hand rub can be used, if hands are not visibly soiled. After using soap and water, spaces with inadequate ventilation, a COVID positive person can leave such tiny use of disposable paper towels to dry hands is desirable. If not available, use droplets hanging in the air which can be circulated by the air-conditioning systems. dedicated clean cloth towels and replace them when they become wet. Exposure to Hence, wearing a mask at all times is important. patient: Avoid direct contact with body fluids of the patient, particularly oral or How can we use air conditioning safely at home?: A temperature respiratory secretions. Use disposable gloves while handling the patient. Perform between 24-300C should be maintained while operating ACs at home. While, a hand hygiene before and after removing gloves. Avoid exposure to potentially relative humidity level of 40% to 70% is considered to be the most suitable as it contaminated items in his immediate environment (e.g. avoid sharing cigarettes, decreases problems from pathogens. Recirculation of cool air by room air eating utensils, dishes, drinks, used towels or bed linen). conditioners, must be accompanied by outdoor air intake through slightly open Food: It must be provided to the patient in his room. Utensils and dishes used by windows and exhaust by natural exfiltration. Centralized air conditioning should the patient should be cleaned with soap/detergent and water wearing gloves. The be avoided if infected and non infected persons live in the same house. Individual air utensils and dishes may be re-used. Clean hands after taking off gloves or handling conditioning units should be used in separate rooms. used items. Use triple layer medical mask and disposable gloves while cleaning or Can we use room coolers (evaporative coolers): Yes, you can. handling surfaces, clothing or linen used by the patient. Perform hand hygiene Evaporative coolers must draw air from outside to ensure good ventilation. before and after removing gloves. The care giver will make sure that the patient Evaporative cooler tanks must be kept clean and disinfected and the water drained follows the prescribed treatment. The care giver and all close contact should self- and refilled frequently. Windows must be kept open to release humid air. Portable monitor their health with daily temperature monitoring and report promptly if they evaporative coolers that do not draw outdoor air are not recommended, since their develop any symptom suggestive of COVID-19 (fever/cough/difficulty in cooling reduces with humidity rising inside the space. breathing/ loss of smell and taste).If care giver suffers with any of these symptoms, Things To Follow In Home Quarantine; People Around Should Take he/ she should consult to physician immediately who will guide you for COVID Precautions: COVID-19 is an infectious disease caused by the recently testing and treatment if required. discovered coronavirus. The COVID-19 virus spreads primarily through droplets of N. Padmaja saliva or discharge from the nose when an infected person coughs or sneezes. The HO: Credit virus enters the body via nose, mouth and eyes. Some recent studies suggest that

Annihilate egoism – Ramesh Kumar Bung. 15 Sri Gowresh Babu Kaja, Senior Manager/Branch Manager of our Serilingampally Branch has left for heavenly abode on 25.04.2021. The Management of the Bank and editorial team of Hamara Prayas express deep condolences to the bereaved family members of Late Gowresh Babu Kaja and pray the Almighty that the departed soul may rest in peace.

When ego comes, everything else goes. A 'Take Diversion' cannot stop the journey. When ego goes, everything else comes. Temporary setbacks should never Don't drop relationships to save ego. alter your focus. Instead, drop ego to save relationships. Keep going. Keep on going.

Ramesh Kumar Bung Umesh Chand Asawa

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