Sachin Dixit's Blog

Ayesha…. aish was walking towards him .. and a smile broader than the rainbow spread across his face .It always does to Sid … fill  him with joy , hope , cheer …and … love . May be it was the the way she walks when she approaches him .. or may be it was her eyes ..the look .. the gaze .. calm , steady and attentive .. but it would always charge Sid with life .. and he would wonder often what it is so magical that happens when Ayesh is around …may be it was the way she walks to him ..rhythmic , eager and fast … err .. not fast actually … but Sid could not stop this little change that was there today . The small amount of speediness in her .. is she fine ? Sid though as Ayesh was walking the last of her steps to him .

“SID . Who is this Ishan ? I mean i gathered it from facebook that he used to work with you .. but how can you tolerate him write such things onto our wall .. umm .. I mean our pics on your wall ?” Ayesh said it with a tone that went from firmer towards dry .
“Which ones dear ?”Sid asked perplexedly   tyring his best to remember which one of the comments that Ishan made on his pics might have angered Ayesha .And boy there were many of them from Ishan and from rest of his friends . It was an out pour of comments , some direct .. some short and some covert but “Comments” nevertheless ; showing cheer , surprise and tease on his birthday pics . Pics that were unapologetic declaration of their togetherness 🙂 . For some one as shy-handsome and introvert as Sid , it was a perfect FB moment . A moment of them breaking the news with everyone without saying it was a news .

“So”  and a long pause told Sid that Ayesha has guessed what is going on his mind by now . He would have otherwise felt blessed about this chemistry of theirs .. but when he has something to explain over an unknown matter …
“..Let me tell which one of the comment it is ..” Sid was tensed in anticipation the moment Ayesh said it .

”  ‘You seem to be picking all the good things at  Mumbai’ … what was that Sid ?”
“Well no .. Ayesh .. its not about you  Ishan said it ..” And the immediate stare from Ayesh had Sid explaining more
.. “I mean it was about you but not the way you mean ”
“My friends were pulling my legs … over the pics I posted .. you see that’s the sort of thing friends do …. I could have done little but stop them…and then why would I stop them in fact ?”
“That’s fine Sid .. but “picking up good things” .. that was not the sort of thing that is friendly banter. It almost sounded like he was praising you for the catch you have had here . Which in this case happens to be me . AND  I   OBJECT  TO  IT  ” . Ayesh was expressed .

“Thats not how it is Ayeasha .. its just that Ishan was happy to see me with you . I mean he was happy to finally see me with someone .. with you . Whats wrong in that sweetheart ?”
“There is Sid .. it tells us lot about what sort of attitude you guyz had towards girls . I wouldnot be shocked knowing that otherwise . But it also tells me that even you  see it that way”
“But i dont Ayesh .. you know that ”
“Well … umm .. then atleast you used to see it that way”
“Nooo … i din’t .. even Ishan doesnt see it that wat … but you know .. thats how guyz talk ”

“Sid . Its not as simple as that  . There must be things your guyz discussed , that plans you made , the desired you expressed to Ishan . And logically why else will he refer to me as good thing that you picked up  . Unlesse either he knows that you are good at picking things or he knows that you always wanted to pick a thing . Which one is it Sid ?”

“None” Sid said in void , by now it was going much against what he might have expected to happned moreover he did not expect it all to go in this direction ….
“See its not like this . You know all about me Jaan … its just that Ishan is happy to see me in a relationship finally . Who will not want his friends to be in relations and see them happy ?
Thats all there is to it .. may be Ishan was not very mindful of the words and that struck you .” Huff .. that was by far the best defence Sid could have put .

“Dont give me marketing speech Sid , thats what we are tought in the calss arent we ? And what is this…. Finally in a relationship ….that you said ?”
“Were you always trying to get into relationship and Ishan was you helper in them ? So I see …. now that you bagged it .. he is happy aint it ?”
“Nah Ayesha .. we dint have any plan like that … like .. you know .. guyz always discuss girls and flirt around..but relationship is something diff , nobody wants to plan getting into to a relationship and commit it .. you know that ..dont you ?”
“Well i know … but then .. what is it with the Finally sid …? was it that Ishan was always prompting you to get along with some girl and now that you are he is happy … is that how simple it is ?”
That was the simplest of sentence Ayesha had sid …
and Sid was shocked by the realization that the discussion is about to be closed ..
and where it is going to get closed was the thing that was the trouble for Sid .
“See .. he wished that I would be with someone … all frinds do … so now that I am into it he is happy about it . May be he said it in light manner but its not the sort of thigns that you are saying … thats not the sort of thigns i do .. thats not me Ayesha …”
That sort of sealed it for sid . Being plain and honest had always helpded him in life and it was the sort of thing that Ayeahs adored about Sid . So there was some clam on Ayesha’s face that relvied sid .. but it was not all clear yet .

“No sid … i know you … but there is something deeper here … Why is Ishan happy to see you finally in a relation ship ?
Is that he felt that you can not get into one … as if you are not capable of … or is it that he thinks that you should have been in relationship long time back ..
and now that finally you are he is happy .. I mean in both the cases the matter is worrying for me !
If i reflect upon them .. it tells me a lot about your being … and where i fit into the whole thing … into your life .

A smart,nice, handsome Enginner with a killer smile ..who is a readymade boyfriend material .. but for some reason .. he is never into a relationship !
What is that stopped him ?
Is it something to do with his personality .. his emotional quotient or is it that you are lying to be completely about you past ”
Ayesh said that .. all in one bearh without even blinking an eyelid . And sid stood there .. silenced .. bored ..irritated .. saddened and angared … all at the same time .

“See Ayesha .. your logic is fine . I should have been into relationships early on … but i was not …..Is that a problem ?
May be there was X thing wrong or Y factor wrong .. so what Ayesh …Now i am .. here with you .. happy… so why bother about it ….
and even if we do …. this is not a business case study … this is life … its our relationship for god’s sake.
May be there is some thing missing in me on a deeper analysis .. but that ok … we have rest of life to fix it ….
Why do you link Ishan’s casual remark on our photos with something so drastic ? Whats wrong in it that?
.. I being so eligible …fell into relationship so late …many people do …some people infact never are that lucky …so what Ayesha?
I never saw you with so much of analysis… so why you have to ? As destiny has it … we met … right here .. in our MBA collage ..and lady luck simled at us…
…. Now what ….You have problem with that?
Is it  that your mind is not able to accept that two good people can fall in love so late in their lives ?

“Ayesh .. how far you wish to carry your intellectual disbelif .. is up to you but i refuse to share that burden ” Sid said it with certanity and a strange calm returned to his face .

“AND..finally .. what Ishan said is how guyz talk .. its not about your respect or disrespect … but its about guyz cheering eachother over things in life..and this is how we do it in India ” .

Why this Post :
We are in extraordinary times since the deposit rates are back again to 10 % . 10 is a number around which economist predict a recession ahead , especially for a growing economy such a number is a huge anomaly . Economics aside any rate of interest above 8 is considered good return on investment . What i attempted here is to consolidate the rates offered by Indian PSU banks on term deposits and recurring deposits . It will be a great idea to keep small amount in long term FD or better still open an RD of long tenure for kids or other planned expenses 🙂 .

This post was created to make a starting point for your decision making .

Some points to consider .
1. FDs and RD’s can be put as collateral against loan (usually .5 % high that FD rate ) .
2. Senior citizens are offered half a percent more rate of interest ! You may put money on names of your parent completely or you may open a joint FD with your parents name as first and yours as second . In this case you will get rate applicable to senior citizen and you will still hold legal claim on the FD .
3. Some banks started to offer floating rate FDs , which personally dis favour (FD and insurance should be simple) .
4. RBI may hike rates again so don’t park it all .

A good strategy is to split your desired amount into 3 or 4 parts and create FDs of 6 month , 1 year and 2 year duration . This way in case of need you are not forced to break the entire big FD for urgent need . If all goes well then you can keep on rolling the short term FDs . One need to work out parts and duration on his / her personal need .

Limitation of this Post : .
1. Banks generally offer different rates for deposits of below 1 lakh , 1 to 15 lakh and above 1 crore . Its better to check at branch for such caps .
2. Different banks offer diff penalty for premature withdrawal , this post does not cover that .
3. Since the environment is competative , your bank may offer a limited period higher rate under some scheme .
4. Private sector bank and co-operative banks are not considered .

Allahabad Bank : http://www.allahabadbank.in/depositschemes.asp

Andhra Bank : http://andhrabank.in/english/InterestDeposits.aspx

Bank of Barod  : http://www.bankofbaroda.com/interest.asp

Bank of India : http://www.bankofindia.com/rupeetermdeposit.aspx

Bank of Maharashtra : http://www.bankofmaharashtra.in/int_chart.asp

Canara bank : http://www.canarabank.com/English/Scripts/DepositAccounts.aspx

Central Bank of India :Not Given !

Corporation Bank : http://www.corpbank.com/asp/0100text.asp?presentID=60&headID=0

Dena Bank : http://www.denabank.com/viewsection.jsp?id=0,3,21,125

IDBI :  http://www.idbi.com/interest_rate.asp

Indian Bank :  http://www.indianbank.in/rate_deposit.php

Indian Overseas Bank : http://www.iob.in/Rates_at_a_glance.aspx

OBC :  https://www.obcindia.co.in/obcnew/site/inner.aspx?status=R1&menu_id=13

Punjab and Sindh Bank : http://www.psbindia.com/interestdom.php

PNB :  https://www.pnbindia.in/En/ui/DepositInterestRates.aspx

SBI : http://www.statebankofindia.com/user.htm

Syndicate Bank : http://syndicatebank.in/scripts/Depositinterestrates.aspx

UCO Bank : http://www.ucobank.com/interest_rates.htm

Union Bank of India :  http://www.unionbankofindia.co.in/Domestic.aspx

United Bank of India :  http://www.unitedbankofindia.com/English/RatesDeposit.aspx

A man in group of people , any group .. is vulnerable . People around us affect us .They can expand our chances or limit them . Careers most of pains come from denial of this fact .
On the contrary its very empowering to accept that we are vulnerable . Then our assumption of security or insecurity practically vanish . Whether it’s a Freshers starting his career or some one holding a role , happiness at work or absence of it , it not a function of ones boss or company or technology but how one deals with the vulnerability .Often its very empowering to accept it. The realization does not change any thing but make our choices wiser .

So if there is a conclusion that Java, Spring , MBA will secure anything or absence of them makes someone weak then the conclusion is very short lived . Given the complexity built up that is there around us , the race not for a programming language or onsite money but to stay relevant . Just like mobile phones ,what was sufficient yesterday is not happening tomorrow .And the pursuit of relevance is a very personal battle .

A guru is supposed to shape a man to his best . But that concept was lost when we industrialized . Its then very important to know that the concept of supervisor is for mass production .Master pieces are created by individuals . Being fundoo if that is the goal someone has, then the answer lies inside .A company or boss can at max give you time opportunity for it .

When Toffler wrote his books , he dint know it will apply to IT careers so correctly … When the change is fast the only career skill and advice that’s needed is to keep yourself sane and normal all along the journey !

___________________________________________________ The End _____________________________________________________________

If DCH was a generational movies for my age of people , wake up sid carried the same significance for this generation of youngsters . DCH was about how 3 friends discover their own place in the affairs of the world around them .Wake up Sid was the opposite .It was about an individual finding place for the world around him in his affairs (no pun intended 🙂 .

The days of someone telling an inspiring quote to a fresher and see it working were over . It was of no use to tell a fresher that hard work is key to success or any simple funda like that ….The demand was for simpler and direct answers ..

Wake up sid – the Finacle Pune Ops Council initiative did not attempt to give those answers but to raise some questions that could give these answers .Todays post is the only one which is philosophizing it  . The initiative ends here , with my last day . Hope it had helped in some way or the other .

As a matter of creativity , I might find time to write stories in future and those can be checked at http://sachindixit.co.in/

Notes :
Complexity built up was a term I coined last year . The challenge was to come up with a simplest explanation of why 60+ people were not able to operate smart phone . It took me quite to time to phrase the answer that they dint understand the concept of menu options ! But to a kid going in school it comes as natural .And that is a classic case of how complexity built up shapes people’s ability to do things and to some extent archive success .And that applies to IT work too, programming being a case in point .If one sees the evolution of java and J2EE in particular , its becomes very clear that so much has been made simple that it all sounds trivial .Spring if you understand makes it even dumber to write an application .That’s what frameworks are written for … It was then shocking to see Sid’ fret over not being able to work in Spring or Hibernate ! The same case of Java can be extent to other language or aspect of work , but that’s not the point .
As the complexity builds up , what was fundoo yesterday becomes basic today . This is where specialization comes in . And specialization not about whether people call you expert in something but about being selective and focused in one thing . The problem with having more choices that it becomes tough to be a generalist and simple to be specialist . But this very truth was seen by Sid’ as if someone is up to restrict his growth .It was case fighting where no villains existed .