Category: Write Ups and Downs

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Marathi Misc Write Ups and Downs

Marathi review: Everything is fucked by Mark Manson

Mark manson आणि गीता.Mark manson ह्याचे पाहिले पुस्तक जबर हिट झाले. Subtle art of not giving a fuck, मध्ये हा मानवी मन आणि बुद्धी असे रूढ अर्थाने आपण जर द्वंद्व मानतो त्याबद्दल बोलतो. पुस्तक रंजक आहे,प्रत्येक प्रकरणात तो ताजे संशोधन वापरून ताण कमी-आनंद अधिक वगैरे कसे साधायचे ते सांगतो. ह्या मार्क चे वैशिष्ट्य म्हणजे तो आजच्या पिढीला समजून आहे,त्यामुळे निव्वळ मूल्य आधारित गाप्पा मारण्या ऐवजी तो आजच्या लोकांच्या समस्यांचे मूळ,जसे, entitlement/हक्कभाव वगैरे गुंता सोडवतो.आणि त्यात मग तो स्वतःला,भावना ना -नेमके म्हणजे, मला वाटते ह्याला फार भाव देऊ नये असे सांगतो,म्हणून सटल आर्ट.
ह्याचा पुढचा भाग म्हणजे: सगळे काही गंडलेले आहे/everything is fucked ह्या पुस्तक. सगळे सामाजिक बंध फसलेले आहेत,आणि म्हणून लोकांना हताश-निराश वाटते आहे असे ह्या पुस्तकांचे स्वरूप. आनंद आणि ताण हा विषय आधीच्या पुस्तकातून झालेला असल्याचे शिझेंमिखाईल किंवा डेविड बर्न वगैरे च्या गोष्टी इथे येत नाही. अर्थ,आशा आणि मानवी अस्तित्वात ह्याचे,आपल्याला माहीत नसलेलं मध्यवर्ती स्थान असा।मोठा घास तो घेतो. भावनेची अथांग ताकत पण तिचे अति प्रवाही स्वरूप असे विवेचन 3,4 प्रकरणात करून तो वळतो तो निटशे कडे! मानवाने आपली प्रगती “विचार पूर्वक” केलेली नाहीये त्यामुळे तो संपेल असं काही नितशे म्हणला. आदी मानव ते आता पर्यंत,चुकीचे ओ असेना,काही रीती-मान्यता-पायंडे समजला धरून ठेवत होते,वौज्ञानिक प्रगती वगैरे मुळे ते पटापट पडायला लागलेत आणि त्याजागी नवीन रचना कराचे आपण विसरलो/आता ते जमणार नाही असे ते म्हणतो. पक्षी मानवाला एकत्र धरून ठेवणारा देव,हा देव आपण मारून टाकला आहे, god is dead, आणि त्याच पोकळीत आपण कोसळून पडू/implode. असा संदर्भ manson देतो. ह्या मांडणीचे मर्यादित स्वरूप आणि त्यातून निघणार मार्ग ह्यासाठी तो कान्ट कडे वळतो ! मानवाची अर्थ लावायची क्षमता हीच त्याला मानव बनवते(विचार क्षमता) असे कान्ट म्हणतो. त्यामुळे नुसता उपभोग आणि पश्चाताप असे मानवाचे जग नायसला पाहिजे.त्याही पुढे, फक्त नफा -नुकसान,सुख-भीती असे अगदी व्यवहारी स्वरूप,त्या त्या वेळी योग्य असेल तरी उत्क्रांतीच्या विरुद्ध आहे असे manson म्हणतो. समज विकसित झालेल्या माणसाने व्यवहाराच्या पलीकडे जाऊन मूल्य ह्या आधारावर जगावे असे ती म्हणतो.इथे कान्ट ला सोबत घेऊन मानवाला फक्त माणुसकी हेच तत्व परम असले पाहिजे. त्याने माणूसपण जपत ,ह्या जापण्याला आपले ध्येय (end as opposed to means) मानून जगावे असे तो मांडतो. हे पुस्तक बहुतांश पाश्चात्य लोकसाठी असल्याने,लेखक म्हणून त्याला असे जगता येते का आणि कसे ह्याबद्दल अधिक बोलणे भाग आहे.साधारणतः अश्या पुस्तकात,ह्या वळणावर बुद्ध आणि विपश्यना वगैरे उद्धृत केली जाते.पण गम्मत झाली. मानवी पण हेच मूल्य म्हणून जगत वागावे आणि ते कसे हे सांगताना तो अंतिम नफा लक्षात घेऊ नका आणि प्रेयस असे मूल्य म्हणून मानवी चांगुलपणा अंगीकारात जगा असे सांगतो. Being good for the sake of beging good without the calculation of the benefit,असे काहीसे तो दोन तीन पानात मांडतो. निष्काम कर्मयोग,इतका दणदणीत एखाद्या हिट पुस्तकात मांडलेलं दिसत नाही.

Image credits: mark manson’s website and wikipedia.

Categories
Misc Write Ups and Downs

साधे प्रश्न:नोट बंदी

​नोटा बंदी वर सगळे वाचून,बोलून झाले असेल तर हे वाचा….
तर,सरकार ला काळा पैसा संपवायचा होता.जमले तर काळी संपत्ती पण संपवायची होती.सरकारला खरेच हे असेच करायचे होते का?झालेे का ?वगैरे बोलून झालें असेलच.अशी कृती करण्याचा ह्या सरकारचा तो हक्क आहे, हे समजून आपण बरेच वाद स्थगित करू शकतो.त्याचे बरे वाईट काय ते काळ बघेलच.
प्रश्न आहे तो आपल्या कृती चा,समजे चा.काळा पैसा हा काळा असतो तो त्याच्या नैतिकते मुळे. म्हणजे सरकार दरबारी त्याची डायरेक्ट नोंद नसते .मग त्यावर टॅक्स पण मिळत नाही,म्हणून काळा. हे काळा पैसे जमावणारे अतिरेकी वगैरे असतात ,हे terrorism चे KG1 स्वरूप होईल,असो.मग?..सरकारी भाषेत हे लोक भ्रष्टचारी असतात.हो सरकार लोकांवर खर्च करू शकणारा पैसे हे लोक दाबून ठेवतात,टॅक्स देत नाही त्यावर.कमी टॅक्स मुळे जनतेचं कमी प्रमाणात भले होते.चूकचे आहे ते,….मी हे अगदी सध्या भाषेत मांडले . टॅक्स नाही आला तर सरकार खर्च कसा करणार,लोकशाहीची रचना तशीच असते.लोकांनी टॅक्स देऊन थोडा त्रास सहन करायचा आणि सरकार तो टॅक्स इतर जागी त्यांच्या भल्या साठी वापरून त्याची भरपाई करेल.

मग मला सांगा,सरकारने काळा पैसा संपवला ते बरे केले,हे ठीक,आपण ते समजून घेतले ते पण ठीक .पण ते त्यांचे आणि आपले कर्तव्य नाही का? 

इथे देशभक्तीचा काय संबंध?तुम्ही कितीही त्रास सहन करून ब्यांकेच्या रांगेत लागला असला तरी ते कर्तव्य पूर्ण केले असेच आहे ,नागरिक म्हणून .त्याग आणि भक्ती ह्याला जागा नाही ह्या कार्यक्रमात.फारतर काळ्या पैसे वाल्यांची कशी ठेचली हा आनंद साजरा करू शकतो आपण,खरे खोटे देव जाणो.

चला मग,टॅक्स चोरीचा पैसे परत आला,काय तो थोडा जास्त असेल,पण आला,सदाचारी लोकांची अधिक भले करेल सरकार . मग टॅक्स म्हणून जो पैसे आजपर्यंत येत होता,येत आहे,त्याचे काय? हा पैसा ह्या परत आलेल्या काळ्या पैश्या पेक्षा जास्त आहे,असतो. त्याने लोकांचं मस्त भलं होतंय असे मानतो का आपण.देश चालतो कि नाही असे विचारत नाही मी,तो चालतोय,नाही तर लोक रस्त्यावर उतरून क्रांती करतात.भलं होतंय का? ते विचारतोय.. व्हायला पाहिजे तसे आणि तेवढे भले होते आहे का?

तुमचा सरकारी व्यवस्थे बद्दल चा अनुभव काय म्हणतो? तोच कॉमन मॅन ला येतो ,तोच अनुभव …

म्हणजे ब्यांकेच्या रांगेत लागून,paytm चा प्रचार करून,सरकार बरोबर(च) कसे आहे(च) सांगताना आपण तो देशभक्ती चा जो जोर दाखवतो,त्याला साजेल असा अनुभव असलेली व्यवस्था देते का?

मग हा नोटा मुळे आलेला,नागरिकशास्त्राचा जोर,तिथे वापरता येईल का? म्हणजे तलाठी ऑफिसात,rto, घर खरेदी आणि हो टोल नाके. एकवेळ तुम्ही एकटे हे  करतहि असाल.बरेच लोक ऍक्टिव्ह आहेत आजकाल.पण ही संख्या आणि ब्यांकेच्या रांगेत लागून देशभक्ती होते हे फॉरवर्ड करून संगणाऱ्यांची संख्या, जुळते का हो?

नाहीच जुळत,खूप मोटठी तफावत आहे.

उगाच मोदी मधात आणू नका,सरकार ला हा हक्क-संधी आहे हे आपण आधीच मान्य केले.

प्रश्न आहे तो,आपल्या नागरिक जबाबदारी आणि देशभक्ती च्या कल्पना उथळ आहेत का ह्याचा? का सहजपणे खेळवले जातोय आपण?

Categories
Misc Write Ups and Downs

जयललिता : इंदिरा नंतर ह्याच

विधान सभेत , फक्त बलात्कार व्हायचा बाकी होता,काका म्हणले .जनरल नॉलेज साठी पेपर वाचणे सुरु केले होते १९८९ ला, जयललिता सोबत हे असे झाले ,म्हणजे नेमके काय हे कळायचे वय नव्हते .

विधानसभेतून बाहेर येणाऱ्या जयललिता (एक्सप्रेस फोटो)
विधानसभेतून बाहेर येणाऱ्या जयललिता (एक्सप्रेस फोटो)

आमच्या महान नेत्यावर टीका करणारी कोण हि, संपवा हिला , हि प्रवृत्ती आजही कायम आहेच .पण एक स्त्री च्या अब्रूवर भर विधान सभेत असा असा प्रसंग झाल्याचा हा एकमेव (सुदैवाने) ,प्रकार असावा . तेव्हा ह्या घटनेवर stand घेतलेला आठवते का हो ?किबहुना , जयललिता गेल्या म्हणूनच बर्याच लोकांना हे असे काही घडले हे माहित झाले,असो . तर मग येईन परत ते मुख्यमंत्री बनूनच , आणि हि बाई ,खरच ६ महिन्यांनी मुख्यमंत्री बनून सभेत आली , तमिळ मध्यामंनी द्रौपदी वगेरे म्हणून ह्यांचा गौरव पण केला .प्रकरण तिथे थांबले नही .मग 2001 च्या आसपास असाच प्रसंग करुणानिधी आणि मुरासोली मारण ह्यांच्यावर आला .सत्तेत होत्या जयललिता .लुंगी पडून ,चड्डी दिसेल , असे खेचत आणले होते पोलिसांनी ,सगळे tv वरती live. स्त्री चा संताप वैगरे म्हणून आपण कवी-कौतुक करू शकतो.पण बाईंनी हिसाब-बराबर केला .
जयललिता समोर पाठीतून वाकणारे आमदार खासदार ह्यांच्या फोटो वर आपण बरेचदा सहज कॉम्मेंट करतो.पण भारतीय राजकारण स्त्री ला ती स्त्री असण्याचा विसर कसा पडू देत नही त्याचे हे उदाहरण. ते इतरांनीही लक्षात ठेवावे असा कदाचित जयललिता ह्यांचा निर्धार असावा .त्यांचे राजकारण वगेरे चर्चेचा विषय ठरावा , पण इंदिरा गांधी नंन्तर इतकी शक्ती शाली राजकारणी-स्त्री म्हणजे जयललिता . हे लक्षात घ्या.

बरे हे इथेच संपत नही ,सिंगूर च्या वेळी ,कॉंग्रेसच्या प्रियरंजन दासमुंशी च्या जवळ रडतांना च्या ममता बनेर्जी सगळ्यांना आठवतात, पुन्हा तेच ….आमच्या महान नेत्या विरुद्ध… तिथून ममता ज्या उठल्या ते मुख्यमंत्री बनूनच.

म्हणूच ,स्मृती इराणीला ,भर लोकसभेत ,आम्हाला माहित आहे तू कोण आहेस ते , असे यादव म्हणतात ,त्याचे पुढे काय होईल …बघुयात .
पण एकंदरीत ,महिला-मध्यम-आपली जागरूकता ह्यांचे आडाखे ध्वस्त होतील असे हे प्रसंग .जयललिता त्याला पुरून उरल्या.एक ५ वर्ष जावूद्या …इंदिरा नंतर ह्याच,जयललिता

note: Image is copyright of Indian Express ,shared here with thanks to them .
Original: http://www.loksatta.com/desh-videsh-news/jayalalithaa-saree-torn-in-tamil-nadu-assembely-indian-express-photographer-1356093/

Categories
Misc Utils : Useful Info Write Ups and Downs

How to link AADHAR to your LPG connection

EDIT : The dates for rollout of this scheme has been changed many times , to know the latest date I believe you will use local newspapers for authantic dates .

EDIT 2 : Now one can also link aadhar card with LPG connection by post , website and call center , pls see the section at the end for this information

Govt. of India plans to roll out AADHAAR ( UID ) based subsidy payments for various govt schemes .This list of schemes also covers subsidy given for domestic LPG cylinders which 9 per year for one household as of writing this article . The schedule for this rollout is given below . If you hold a domestic LPG gas connection and wish to avail of direct cash subsidy , this is what you need to do .

1.Get an AADHAR card .

2.Go to your bank and link your AADHAR card to your bank account. This is also called as Aadhaar-enabled bank account (AEBA) . Please also carry your original AADHAR card for verification

3.Create an AADHAR registration sheet as shown in the picture .

4.Now go to your LPG gas distributor and submit this sheet to him. Please also carry your original AADHAR card for verification .You need to also carry Xerox of your LPG blue book or latest LPG delivery receipt.

Note that if your LPG connection and AADHAR card has diff addresses then you need to also attach residence proof for AADHAR linking ( as in step 4)

Please also note that these steps are only for AADHAR linking with LPG connection . Its is not a substitute for KYC that is mandated by Govt Oil Marketing Companies . So its prudent to ask your LPG distributor about KYC and carry it out separately .

Most important implication of this scheme is that now on when you buy your LPG cylinder you need to pay a market rate of 900+ Rs for it and later based on your eligibility Govt of India will deposit in your account the subsidy amount . In short the scheme is like “pay market rate and get subsidy money later” . I am trying to figure out if this subsidy amount is taxed as income , lets c.

AADHAR rollout plan :

a.51 districts – from 1 January 2013

b.18 states-from 1 April 2013

c.16 states-from 1 April 2014 or earlier.

Direct Benefits Transfer is being rolled out from 1.1.2013 in the following districts:

S. No.

District State/UT
1 Tumkur Karnataka
2 Mysore Karnataka
3 Dharwar Karnataka
4 Puducherry Puducherry
5 Chandigarh Chandigarh
6 SBS Nagar/Nawanshahar Punjab
7 North-East Delhi Delhi
8 North-West Delhi Delhi
9 Hoshangabad Madhya Pradesh
10 East Nimar (Khandwa) Madhya Pradesh
11 Harda Madhya Pradesh
12 Ajmer Rajasthan
13 Udaipur Rajasthan
14 Alwar Rajasthan
15 Hyderabad Andhra Pradesh
16 Anantpur Andhra Pradesh
17 Chittoor Andhra Pradesh
18 East Godavari Andhra Pradesh
19 Diu Daman and Diu
20 Daman Daman and Diu

Direct Benefits Transfer is being
rolled out from 1.2.2013 in the following districts:

S. No. District State
1 Pathanamthitta Kerala
2 Ambala Haryana
3 Gurdaspur Punjab
4 Sikkim West Sikkim
5 Sikkim East Sikkim
6 Rangareddy Andhra Pradesh
7 North Goa Goa
8 Wardha Maharashtra
9 Amravati Maharashtra
10 Saraikela – Kharsawan Jharkhand
11 Ranchi Jharkhand

Direct Benefits Transfer is being
rolled out from 1.3.2013 in the following districts:

S. No. District State
1 Wayanad Kerala
2 Sonepat Haryana
3 Fatehgarh Sahib Punjab
4 Khowai Tripura
5 Tripura West Tripura
6 Dhalai Tripura
7 Tripura North Tripura
8 Mumbai + Suburban Maharashtra
9 Pune Maharashtra
10 Nandurbar Maharashtra
11 Ramgarh Jharkhand
12 Hazaribag Jharkhand

Now you may also check my previous blog on how to get new connection .Pls keep in mind that now your LPG distributor might play tricks to give to commercial connection and not give u domestic connection , be ready to fight .

http://sachindixit.co.in/?q=2007/10/25/new-gas-connections-how-to-go-about–

Alternatives to submitting AADHAR copy :

  1. Call Center : call on the call center 18002333555 and follow the instructions .
  2. WebSite :Go to the aaadhar website  https://rasf.uidai.gov.in, click on the “start now”  and follow the flow there .
  3. Distributor : This method is already explained above .
  4. Speed Post : Insread of going to ur distributor you can also submit these document to the marketing comapney (ie IoC , HPCL,BPCL ) by speed post . But you need to find out thier correct postal address on their sites .

Please note that for option 1 and 2 the address on AADHAR card and LPG connection has to be same , else u need follow only option 3 or 4 .
Ref :
http://uidai.gov.in/
Link for Indane : http://www.indane.co.in/aadhaar.php , http://indane.co.in/images/Aadhaar-Ad-En.pdf

 

Link for Bharat Gas : http://www.ebharatgas.com/pages/Customer_Care/CC_aadhar_Cash_Subsidy.html

Link for HPCL : http://www.hindustanpetroleum.com/En/ui/LPGHome.aspx

Categories
Misc Write Ups and Downs

Deool : Marathi movie review

” डिप्रेशन म्हणजे काय?” समजा अचानक तुमच्या लहान मुलाने तुम्हाला असा प्रश्न विचारला तर तुमची की अवस्था होईल ? . उत्तर देऊ कि नको आणि देऊ तर नेमके काय सांगावे अशी अवघड अवस्था होऊन जावी .निरागस प्रश्न किती भेदक होऊ शकतात ह्याचे ते उदाहरण .

 

देउळ चित्रपट बघतांना आपले पण असेच काही होते . म्हणायला   गावात नव्याने बांधल्या जाणाऱ्या देवळाची काय ती  गोष्ट  . पण त्या अनुषंगाने गाव , तेथील लोक , देव आणि देवाबद्दल आपली श्रद्धा ह्या सर्वांबद्दल निरागस पण मुलभूत प्रश्न हा चित्रपट मांडून जातो . हे प्रश्न आणि त्यांची   मनातल्या मनात देलीली आपली उत्तरे हेच या चित्रपटाचे अनुभव वैशिष्ट्य !आणि हा प्रवास ज्याचा त्याचा वेगळा , त्यामुळे वैचारिक दुर्ष्टीने हा सिनेमा प्रत्येकाला वेगवेगळा रुचेल .पण मनोरंजन म्हणून देउळ अगदी झकास आणि नेमका . ग्रामीण भाग आणि विकास ह्यांची दिशा व दशा ह्यावर देउळ कुठलाहि वैचारिक आव न आणता खूप काही  सुचवून जातो पण दर्शकांनी त्या सर्वांची नोंद घ्यावीच म्हणून चित्रपटला जडपण येऊ देत नाही .

 

 

ग्रामीण चित्रपट म्हणजे अगदी बावळट आणि धांदरट  व्यक्ती किवां अतिशय गरीब लोक  , शिवराळ भाषा ह्या प्रकारचा  सरधोपट चित्रण देउळ करत नाही . चित्रपटातील पत्रे  माफक इंग्रजी शब्द वापरतात ,मोबाईलहि  वापरतात आणि त्यांची Ringtone सुद्धा काळागणिक बदलते , किंबहुना हा आणि ह्या सारख्या कित्येक बारीक-सारीक दैनंदिन गोष्टीतून डायरेक्टर आपल्याला सिनेमा तील पत्रांत होणारा बदल सांगून जातो .   ह्या चित्रपटाची संहिता , दिग्दर्शन वगेरे बाबी नेमक्या किती चांगल्या आहेंत हे आपल्याला जाणकारांकडून विविध माध्यमातून कळेलच . पण एक दर्शक म्हणून देउळ हा चित्रपट खूप सहज (Natural)  वाटतो .

 

 

ग्रामीण मराठी जीवन हे रंजक , स्वाभाविक आणि मार्मिक पणे कसे सांगावे ह्याचा आदर्श दादा कोंडके मांडून गेलेत . चावटपना सोडला तर देउळ अगदी त्या (उच्च) दर्जाचा आहे आणि हो मनोरंजक सुद्धा !  . ह्या चित्रपटाला व्यावसाईक यश आणि भरपूर अवार्ड मिळावेत हीच दत्ता चरणी प्रार्थना !
Categories
Misc Write Ups and Downs

Wake up Sid : Friends with Benefit

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 ” .

Categories
Misc Write Ups and Downs

Deposit Rates from PSU banks

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 .

Public Sector Banks
Sr.No Public Sector Banks Web Site
1 Allahabad Bank www.allahabadbank.in
2 Andhra Bank www.andhrabank.in
3 Bank of Baroda www.bankofbaroda.com
4 Bank of India www.bankofindia.com
5 Bank of Maharashtra www.bankofmaharashtra.in
6 Canara Bank www.canarabank.com
7 Central Bank of India www.centralbankofindia.co.in
8 Corporation Bank www.corpbank.com
9 Dena Bank www.denabank.com
10 IDBI Bank Limited www.idbi.com
11 Indian Bank www.indianbank.in
12 Indian Overseas Bank www.iob.in
13 Oriental Bank of Commerce www.obcindia.co.in
14 Punjab & Sind Bank www.psbindia.com
15 Punjab National Bank www.pnbindia.com
16 State Bank of India www.statebankofindia.com
17 Syndicate Bank www.syndicatebank.com
18 UCO Bank www.ucobank.com
19 Union Bank of India www.unionbankofindia.co.in
20 United Bank of India www.unitedbankofindia.com
21 Vijaya Bank www.vijayabank.com

 

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

 

Tenor Existing Interest Rate

p.a. (%)

  Revised Interest Rate p.a. (%)

(w.e.f. 18.02.2011)
For below

Rs. 1 cr

 For Rs.1 cr to less than

Rs. 5 cr

 For below

Rs. 1cr

 For Rs.1 cr to less than Rs. 5 cr
7 days to 14 days 2.50 2.50 2.50 2.50
15 days to 29 days 4.00 2.75 4.00 2.75
30 days to 45 days 4.00 3.00 4.00 3.00
46 days to 60 days 5.00 4.00 5.00 4.00
61 days to 90 days 5.00 4.00 5.00 4.00
91 days to 179 days 6.00 5.75 6.00 5.75
180 days to 269 days 7.00 6.25 7.00 6.25
270 days to 364 days  7.50* 6.50  7.75* 7.25
1 year to less than 2 years    8.00** 7.25    8.75** 8.50
2 years to less than 3 years 8.25 6.00 8.50 8.00
3 years to less than 5 years 8.25 6.00 8.50 7.75
5 years and upto 10 years 8.25 6.00 8.00 7.50

 

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

 

  Sr No.     Maturity Period Rates of interest (%) per annum
Less than Rs.15.00 Lacs Rs.15.00 Lacs  to

< Rs.1.00 crore

 Rs.1 crore  to   < Rs.2.00 crore Rs.2 crore  to

Rs.10.00 crore

 Above

Rs.10.00 crore
1 7 days to 14 days # 3.50 3.50 3.50 3.50 3.50
2 15 days to 45 days 3.50 3.50 3.50 4.50 4.50
3 46 days to 90 days 4.00 4.00 4.00 5.25 5.25
4 91 days to 119 days 6.75 6.75 7.75 7.75 7.75
5 120  to 179 days 6.75 6.75 7.75 7.75 7.75
6 6 months to < 1 year 8.00 8.00 8.00 8.00 8.00
7 1 year to < 16 months 9.00 9.00 9.00 9.50 9.00
8 16 months to < 33 months 9.25 9.25 9.25 9.50 9.25
9 33 months to < 3 years 8.50 8.50 8.50 9.50 8.50
10 3 years to < 5 years 8.60 8.60 8.60 9.50 8.60
11 5 years to 10 years 8.00 8.00 8.00 8.00 8.00

 

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

 

Maturity Range Deposit [Per Annum]

less than 1 crore
7 days to 14 days 4.00%
15 days to 45 days 4.00%
46 days to 90 days 4.00%
91 days to 180 days 6.25%
181 days to 270 days 7.00%
271 days & above but less than one year 7.50%
1 year and upto 443 days 9.00%
Baroda Utsav Deposit scheme (444 days) 9.35%
– 445 – days and upto 3 years 9.00%
Above 3 years upto 10 years 8.50%

 

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

Maturity For deposits less thanRs. 15 lakh For deposits Rs. 15 lakh & above but less than Rs. 1 Cr. For deposits of Rs. 1 Cr. and above but less than Rs. 5 Cr. For deposits of Rs. 5 Cr. & above
Existing

w.e.f.

04.02.11

 Revised

w.e.f.

10.03.11

 Existing

w.e.f.

04.02.11

 Revised

w.e.f.

10.03.11

 Existing

w.e.f.

04.02.11

 Revised

w.e.f.

10.03.11

 Existing

w.e.f.

04.02.11

 Revised

w.e.f.

10.03.11
07 days to 14 days * 2.50 2.50 2.50 2.50 2.50 2.50 2.50 2.50
15 days to 30 days 2.75 2.75 2.75 2.75 2.75 2.75 2.75 2.75
31 days to 45 days 3.00 3.00 3.00 3.00 3.00 3.00 3.00 3.00
46 days to 90 days 4.00 4.00 4.00 4.00 4.00 4.00 4.00 4.00
91 days to 179 days 6.25 7.00 6.25 7.00 6.25 6.25 6.25 6.25
180 days to 269 days 7.25 8.00 7.25 8.00 6.75 6.75 6.75 6.75
270 days to 364 days 7.50 8.00 7.50 8.00 7.00 7.00 7.00 7.00
1 Year to less than 2 Yrs except 555 days 8.75 9.00 8.75 9.00 9.50 on  20.05.2011 will be declared daily) 9.50 on 20.05.2011 (will be declared daily)
555 days # 9.25 9.25 9.25 9.25
2 Years to less than 3 Years 8.25 8.25 8.00 8.00 8.25 8.25 8.25 8.25
3 Years to less than  5 years except for 1111 days 7.75 7.75 7.75 7.75 7.25 7.25 7.25 7.25
1111 Days ** 8.25 8.25 8.25 8.25 8.25 8.25 8.25 8.25
5 years to less than 8 years 7.00 8.50 7.00 8.50 7.00 7.00 7.00 7.00
8 years to 10 Years  and above 7.00 8.75 7.00 8.75 7.00 7.00 7.00 7.00

 

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

 

Duration For amount less than  Rs 1 Cr. For amount

Rs 1 Cr. to Rs 5 Cr.
Existing
rates w.e.f. 10.01.11		 Revised
rates w.e.f. 16.05.11		 Existing
rates w.e.f. 10.01.11		 Revised
rates w.e.f. 16.05.11
7 days to 14 days 2.50 4.00 2.50 6.25
15 days to 30 days 3.50 4.00 3.50 6.25
31 days to 45 days 4.00 4.00 4.00 6.25
46 days to 60 days 5.00 5.00 5.00 6.50
61 days to 90 days 5.00 5.00 5.00 6.75
91 days to 180 days 6.50 6.50 6.50 7.00
181 days to 270 days 7.25 7.25 7.25 7.25
271 days to less than 1 year 7.25 7.25 7.25 7.25
One Year or 365 days 8.55 8.55 9.00 9.00
Over 1 year to less than 3 years 8.55 8.55 8.30 8.30
3 years (Mahalaxmi Term Deposit) 8.60 9.00 8.30 8.30
Over 3 years to 5 years 8.30 8.60 8.30 8.30
Over 5 years 8.00 8.00 8.00 8.00

 

 

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

 

Term Deposits ( All Maturities) For Deposits Less than  Rs.1 crore For Deposits

Rs.1 crore  &

above to less than Rs.10 crore #
General Public Senior Citizen
7 days to 14 days ** 4.00 4.50 5.00
15 days to 30 days 4.50 5.00 5.00
31 days to 45 days 4.50 5.00 6.25
46 days to 90 days 5.50 6.00   7.50 *
91 days to 179 days 7.00 7.50   8.00 *
180 days to 269 days 8.00 8.50   8.25 *
270 days to less than 1 year 8.00 8.50   8.25 *
1 year & above to 554 days 9.10 9.60   9.10 *
555 days 9.25 9.75 9.10
556 days & above to less than 2 years 9.10 9.60   9.10 *
2 years & above to 999 days 9.00 9.50   9.00 *
1000 days 9.00 9.50 9.00
1001 days & above to less than 3 years 9.00 9.50   9.00 *
3 years & above to 1199 days 8.50 9.00 8.50
1200 days 9.00 9.50 9.00
1201 days & above to less than 5 years 8.50 9.00 8.50
5 years & above to less than 8 years 8.75 9.25 8.75
8 years & above to 10
years		 9.00 9.50 8.75
*  Rates offered on daily basis. Contact the nearest
branch.

 

Central Bank of India :Not Given !

 

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

MATURITY PERIOD For Deposits upto & including Rs. 15
lakhs		 For Deposits above Rs.

15 Lakhs but less than

Rs.1 Crore #
07 DAYS TO 14 DAYS @ 1.00 1.00
15 DAYS TO 29 DAYS 3.50 3.50
30 DAYS TO 45 DAYS 5.00 5.00
 

46 DAYS TO 60 DAYS

  

5.50

  

5.50
61 DAYS TO 90 DAYS 5.50 5.50
91 DAYS TO 120 DAYS 6.50 6.50
121 DAYS TO 179 DAYS 7.00 7.00
180 DAYS TO 270 DAYS 8.00 8.00
271 DAYS TO 364 DAYS 8.00 8.00
365 DAYS 9.00 9.00
366 DAYS TO LESS THAN 2 YEARS 9.25 9.25
2 YEARS TO LESS THAN 3 YEARS 9.25 9.25
 

3 YEARS TO LESS THAN 5 YEARS

  9.25 9.25
5 YEARS TO LESS THAN 8 YEARS  8.75 8.75
8 YEARS & UP TO 10 YEARS 8.75 8.75


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

 

MATURITY PERIOD For Deposits upto & including Rs. 15 lakhs For Deposits above Rs.

15 Lakhs but less than

Rs.1 Crore #
07 DAYS TO 14 DAYS @ 1.00 1.00
15 DAYS TO 29 DAYS 3.50 3.50
30 DAYS TO 45 DAYS 5.00 5.00
 

46 DAYS TO 60 DAYS

  

5.50

  

5.50
61 DAYS TO 90 DAYS 5.50 5.50
91 DAYS TO 120 DAYS 6.50 6.50
121 DAYS TO 179 DAYS 7.00 7.00
180 DAYS TO 270 DAYS 8.00 8.00
271 DAYS TO 364 DAYS 8.00 8.00
365 DAYS 9.00 9.00
366 DAYS TO LESS THAN 2 YEARS 9.25 9.25
2 YEARS TO LESS THAN 3 YEARS 9.25 9.25
 

3 YEARS TO LESS THAN 5 YEARS

  9.25 9.25
5 YEARS TO LESS THAN 8 YEARS  8.75 8.75
8 YEARS & UP TO 10 YEARS 8.75 8.75

 

 

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

 

Tenor Upto 15 Lac (%) Above Rs.15 lakh upto Rs.1 cr (%)
15-45 days 4.50 4.50
46-90 days 6.50 6.50
91 days – < 6 months 7.75 7.75
6 months- 269 days 8.15 8.15
270 days- 1 year 8.50 8.50
1 year 1 day-499 days 9.00 9.00
**500 days 9.50 9.50
501 days 9.00 9.00
> 501 days – 5 yrs 9.25 9.25
>5 yrs-7 yrs 9.25 9.25
>7 yrs – 10 yrs 9.00 9.00

 

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

 

 

 

Period  Upto Rs 5 Crore
7days to 14 days 6.25
15 days to 29
days		 6.25
30 days to 45
days		 6.25
46 days to 90
days		 6.25
91days to 120
days		 7.00
121 days to 180
days		 7.50
181 days to less
than 9 months		 7.75
9 months to less
than 1 year		 7.75
1 year to 3 years 9.25
Above 3 years 9.00

 

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

 

up to Rs.25 lakhs > Rs.25 lakhs to

< Rs. 1 cr

 Rs.1 Cr to

< Rs 5 Crs

 Rs. 5 crs and above
7 days – 14 days (only for single deposit of Rs.1.00 lakh
and above)		 4.50 4.50 4.50 4.50
15 days – 29 days 4.50 4.50 4.50 4.50
30 days – 45 days 6.25 6.25 6.25 6.25
46 days – 60 days 6.25 6.25 6.25 6.25
61 days – 90 days 6.25 6.25 6.25 6.25
91 days – 120 days 7.00 7.00 7.00 7.00
121 days – 179 days 7.00 7.00 7.00 7.00
180 days – 269 days 7.25 7.25 7.25 7.25
270 days -332 days 7.50 7.50 7.50 7.50
333 days (#) 8.25 8.25 8.25 8.25
334 days – < 1 year 7.50 7.50 7.50 7.50
1 Yr – 443 days 9.25 9.25 9.25 9.25
444 days(#) 9.25 9.25 9.25 9.25
445-554 days 9.25 9.25 9.25 9.25
555 days (#) 9.25 9.25 9.25 9.25
556 days -<2yrs 9.25 9.25 9.25 9.25
2 Yrs -to999 days 9.25 9.25 9.25 9.25
1000 days(#) 9.25 9.25 9.25 9.25
1001 days- 3 Yrs 9.25 9.25 9.25 9.25
> 3 Yrs – < 5 Yrs 9.25 9.25 9.25 9.25
5 Yrs & above 9.00 9.00 9.00 9.00

 

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

 

 

Maturity
period (Buckets)		 Term Deposits less than Rs. 15 Lacs Term Deposits of Rs. 15 Lacs and above but less than Rs.1Crore Term Deposits of Rs. 1 Crore & above
7 days to 14 days 4.00% 4.00% 4.00%
15 days to 30 days 4.50% 4.50% 4.50%
31 days to 45 days 5.00% 5.00% 5.00%
46 days to 90 days 5.75% 5.75% 5.75%
91days to 179 days 7.00% 7.00% 8.75%
180 days to 269 days 8.00% 8.00% 8.75%
270 days to less than 1 Year 8.00% 8.00% 9.00%
1 year to less than 2 years 9.25% 9.25% 9.50%
2 years to less than 3
years		 9.25% 9.25% 9.25%
3 years to less than 5 years 9.00% 9.00% 9.00%
5 years to 10 years 8.75% 8.75% 8.75%

 

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

 

 

REVISED RATES

Effective From 29.04.2011
Maturity UPTO Rs 15 lac Above Rs 15 lac to Rs 1 Crore Above Rs. 1 Crore to 5 Crore
7 – 14 Days 4.00# 4.00 4.00
15 – 30 Days 4.50 4.50 4.50
31 – 45 Days 4.50 4.50 7.25
46 – 90 Days 6.50 6.50 7.75
91 – 179 Days 7.50 7.50 8.25
180 -269 Days 8.25/ 8.75* 8.25/ 8.75* 8.30
270 – 364 Days 8.75 8.75 8.75
1 Year-2 Years 9.00/ 9.55** 9.00/ 9.55** 9.30
Above 2 Years – <3 Years 9.25/ 9.60*** 9.25/ 9.60*** 9.25
3 Years – 5 Years 9.05 9.05 9.50
>5 years – 10 years 8.75 8.75 9.50

 

 

 

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

 

Sl. No Period Below Rs. 1 Crore Rs. 1 Cr. To Rs. 10 Cr.
1 7 to 14 days 4.00 4.00
2 15 to 45 days 4.50 4.50
3 46 to 60 Days 5.50 6.00
4 61 to 90 Days 5.50 7.50
5 91 to 179 days 7.00 8.00
6 180 days to 270 Days 8.00 8.50
7 271 days to less than 1 year 8.00 8.50
8 1 year 9.00 9.00
9  More than 1 year to 554 Days 9.00 8.75
10 555 Days 9.05 8.75
11 556 Days to < 2 years 9.00 8.75
12 2 years to 999 Days 9.00 8.50
13 1000 Days 9.15 8.50
14 1001 Days to < 3 years 9.00 8.50
15 3 years to 1110 Days 8.50 8.50
16 1111 Days 9.25 8.50
17 1112 Days to < 5 Years 8.50 8.50
18 5 years to 10 years 8.75 8.75

 

 

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

 

Tenors Existing
w.e.f. 14.02.2011		 Revised
w.e.f.12.05.2011
7 days to 14 days 4.00 7 days to 14 days 6.25
15 days to 45
days		 5.00 15 days to 45
days		 6.25
46 days to 90
days		 5.50 46 days to 90
days		 6.25
91 days to 180
days		 6.00 91 days to 180
days		 7.00
181 days to less
than 1 year		 7.75 181 days to less
than 1 year		 7.75
1 year to 554
days		 8.25 1 year to 554
days		 8.25
555 days 9.25 555 days 9.25
556 days to less
than 2 years		 8.25 556 days to less
than 2 years		 8.25
2 years to 999
days		 8.75 2 years to 999
days		 8.75
1000 days 9.25 1000 days 9.25
1001days to less
than 3 years		 8.75 1001days to less
than 3 years		 8.75
3 year to less
than 5 years		 8.25 3 year to less
than 5 years		 8.25
5 years to less
than 8 years		 8.50 5 years to less
than 8 years		 8.50
8 years and up to
10 years		 8.75 8 years and up to
10 years		 8.75

 

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

Period of Deposit Existing rates of

interest

w.e.f. 02.05.2011

(%) p.a.

 Revised rates of

interest

w.e.f. 06.05.2011

(%) p.a.
7 days to 14 days * 3.50 3.50
15 days to 30 days 4.00 4.00
31 days to 45 days 4.50 4.50
46 days to 90 days 5.50 5.50
91 days to 120 days 6.60 7.00
121 days to 180 days 7.50 8.00
181 days to  269 days 8.00 8.50
270 days to  364 days 8.50 9.00
1 year to 439 days 9.25 9.55
440 days 9.35 9.75
441 days to less than 2 years 9.25 9.55
2 years to less than 3 years 9.25 9.50
3 years to 5 years(inclusive) 9.25 9.50
Above 5 years & up to 10 years 9.25 9.50

 

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

 

Revision in Rate w.e.f. 11.4.2011
Maturity Period General For Senior Citizen
Interest Rate in %  p.a. Annualised Yield in % Interest Rate in %  p.a. Annualised Yield in
7
Days up to 14 days		 5.00 5.00 5.75 5.75
15-29
DaysLess than Rs.15 Lac		 5.00 5.00 5.75 5.75
RS.15 lac and up to
Rs.5.crores		 5.00 5.00 5.75 5.75
30-45
DaysLess than RS.15 LAC		 6.00 6.00 6.75 6.75
RS.15 lac and up to
Rs.5.crores		 6.00 6.00 6.75 6.75
46-60
daysLess than RS.15 LAC		 6.75 6.75 7.50 7.50
RS.15 lac and up to
Rs.5.crores		 6.75 6.75 7.50 7.50
61-90
DaysLess than RS.15 LAC		 7.00 7.00 7.75 7.75
RS.15 lac and up to
Rs.5.crores		 7.00 7.00 7.75 7.75
91-180Days

Less than RS.15 LAC

 7.75 7.75 8.50 8.50
RS.15 lac and up to
Rs.5.crores		 7.75 7.75 8.50 8.50
181-364
DatsLess than RS.15 LAC		 8.25 8.33 9.00 9.10
RS.15 lac and up to
Rs.5.crores		 8.25 8.33 9.00 9.10
1
YearLess than RS.15 LAC		 9.00 9.31 9.50 9.84
RS.15 lac and up to
Rs.5.crores		 9.00 9.31 9.50 9.84
More
than 1 year but up to 2 yrs.Less than RS.15 LAC		 9.25 9.55 9.75 10.11
RS.15 lac and up to
Rs.5.crores		 9.25 9.55 9.75 10.11
Above
2 yrs and up to 3 trsLess than RS.15 LAC		 9.00 9.74 9.50 10.33
RS.15 lac and up to Rs.5.crores 9.00 9.74 9.50 10.33
Above
3 year and less than 5 yearsLess than RS.15 LAC		 9.00 10.20 9.50 10.84
RS.15 lac and up to
Rs.5.crores		 9.00 10.20 9.50 10.84
5
years and aboveLess than RS.15 LAC		 9.00 11.21 9.50 11.98
RS.15 lac and up to
Rs.5.crores		 9.00 11.21 9.50 11.98
7
Days up to 14 days		 5.00 5.00 5.75 5.75

 

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

Less than Rs. 15
lacs		 Rs.15 lacs
to  < Rs. 1 cr.		 Tenor  Rs. 1
cr.  <  Rs. 10  Crs.
4.00  4.00 7-14
days		 4.00
4.75 4.75 15-45
days		 4.75
5.25 5.25 46
to  90 days		 5.25
7.00 7.00 91 days <
6 Months		 7.00
8.00 7.75 6
Months  < 9 Months		 7.75
8.25 8.15 9
Months < 1 Yr		 8.15
9.25 9.15 1 yr
< 5yrs		 9.00
9.40 9.00 5 yrs. 8.75
9.40 8.50  >
5 yrs   < 8  yrs.		 8.50
8.50 8.50 8
Yrs to 10 Yrs		 8.50

 

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

 

 

Sl. No. Period of Deposit Revised Rates w.e.f

21st Mar. 2011
Other than Sr. Citizen Addl. Rate for Sr. Citizen
1 7 days to 14 days 3.50 0.00
2 15 days to 29 days 4.50 0.00
3 30 days to 45 days 4.50 0.00
4 46 days to 60 days 5.50 0.00
5 61 days to 90 days 5.50 0.00
6 91 days to 180 days 6.50 0.00
7 181 days to 269 days 7.25 0.00
8 270 days to less than 1 year 8.25 0.00
9 1 year to less than 2 years 9.00 0.75
10 2 years & less than 3 years 9.00 0.75
11 3 years & less than 5 years 9.25 0.75
12 5 years and above 9.25 0.75

 

 

Categories
Misc Write Ups and Downs

Wake Up Sid : The End

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 .

 

Categories
Misc Personal Write Ups and Downs

Ego , accident and a night …

The house was old and the building dirty and I was trying my best to hide my displeasure to my broker, Kiran  .Not sure if that was me acting practical and mature with my house hunt or was it effect of a full days of work at company .

“sir this is the only house you can afford , rest all are costly  ” , that was indeed a harsh statement coming from Ramesh . My broker Kiran, looked with a worried look into my eyes , knowing me…..  he was expecting a fight back answer
.But something , there was , today that made me very calm this evening . or may  be that I was not interested in comments third party broker……… oh yes, I too was surprised that I did not react to someone telling me what sort of budget I can afford for my house 🙂 ….

Hunt being hunt , we got out of that place and me and kiran rode our bike back to kothrud depot (KD) . KD a  funny place with a busy city bus depot located  at the main circle and a 4 lane way .Its a worst place  to ride your bike in pune . I was about to curse the traffic as we approached the cross roads..

“Careful ” Kiran shouted ….

and there she was , a lady .. 50 something was sitting on the road in middle of the heavy traffic .. I immediately felt the concern at the poor lady . you know , may be she was not able to cross the road in this traffic … or may be she was  picking something up from the road or something ..
.. I wondered how many possibilities my software mind was thinking off …split second it was , I though all this …
and split second it was for me the realize that old lady, was not sitting on the road …. she had her left feet stuck under a car …and nobody realized this …or may be none was able to hear her feeble screams ..

“shit” , I said and jumped from my pillion seat and rushed to the car , time had frozen may be …

I remember that the lady (lets call her geeta)…. had plastic bag in her hand and wearing an economy saree .. the car was maruti swift ..the numerous bikes surrounding us and the SRS travels bus that stood just beside geeta …much more and there I was standing in front of the car shouting for the driver to take the car reverse….

Ah , that look , the driver too was a lady .. not that it matters .. but the look of studious curiosity and frozen mind… unable to make decision …
I was sure the very moment that it was futile to expect the driver ( lets call her mona ) would be able to help … that’s it ….and I bent down … and started lifting the left corner of the car .. and the indeed we could make enough space for geetas feet to be pulled out ….. little did i realized that by  this moment  10 more people had joined me in this car lifting …….

the traffic was getting loud and restless … and geeta was in great pain….
“Where is the doc ?” , “Where the hell is the doc, isn’t anyone here a local ?” I shouted as i bent down to lift geeta and take her to some doc ..

there was firm no ……. in her eyes … don’t know how did I sense that …but there was that painful  “No” …and geeta limped her way to stand up …
and i moved my hands to open the doors of this swift …….involuntary .. not even caring to ask mona , if I should …

and may be there was no need … she started the engine and the car started moving almost instantly ….. a physical sensation of which i remember …
“Are you bleeding ?” ..”Whats your name madam ?” …”Do you want me to call someone ?”..

she looked up …I froze . Pain and helplessness and a futile effort to appear brave and graceful … that mix of emotion in eyes of geeta ..made me realize how out-of-place my questioning was …
“I have a mobile”  , it wasn’t the first sentence I was expecting to hear from geeta, and she bent to her plastic bag to take that out .

One glimpse ,…………
a “mangalsutra” full of only black bead and the tiniest of gold pendent in it ……and i realized … even without thinking …where and why that mobile answer came from ……
probably the best thing I did this evening was next 5 minutes …I shut my mouth up  …held hand of that lady ..and took her inside nearby hospital with the right flooring marking from https://www.floor-markings.co.uk/play-area/paint.

looking constantly in geeta’s eyes .. holding her limp hand   …age …pain …and silence … hadn’t felt them so clearly , recently  …

The Doc took over and announced it was non critical injury …the Xray et al ..

“Need I buy the medicines , I know this hospital” … Ah mona …I noticed …a 35 something …trendily dressed…and an upper class tone ..

I felt as if some one had puke all over the place with this question ….”you should ” , the maximum I could say … mona left for the medical downstairs …

and I moved to doctors cabin …geeta was in pain…
“Is everything ok doctor ?”
“Yes, don’t worry “….
“Then I can call my relatives to pick me up….”
My software mind was about to pick up the anomaly in this dialogue…and just when I was to inquire more……………… mona returned with the bandage etc …

dressing done geeta asked the doc … “Do i Have to come to you again ?” ..

okies, this is too much I thought …or may be this lady has trouble walking and that is why she is saying so , I thought .

“This is my number and I have holiday on Wednesday … so in case you need help , call me …..and I will take you to the doc for revisit” .. I said almost automatically …

“I make roties at people houses … there are four of such houses …that’s where I was returning from “…

yes… i began to understand things and I moved …almost mechanically….and took notes out of my  wallet and gave them  to geeta …she will miss a weeks of wage … 🙁

geeta looked into my eyes …. yes .. there was a thank you …or may be she said so … i dont remember ….but the money was returned to me …

I felt dumb … knowing not what to do …and the moment geetas relative ….. her sister and 2/3 men  entered the clinic …

“Did you do this ” …. geetas nephew asked  ..
“We didnt ” … kiran said …
“Don’t expect me to deal with these guys …. do you expect me to give her money ?” Mona ….
“Yes”… Me …

It happened almost simultaneously ….and last sentences of iPhone holding Mona made me numb …

Geeta started crying …after this much time … holding hands of her sister ….

“Dont cry , its ok” …geetas sister said ….
“She should” … I said …

somehow i began to understand geetas tears …….and the feeling…………….. of fighting……….. to show your brave and dignified face to life ….
contrasting that with…the intellectual apathy of mona  ..  it felt even more intense ….

…….. the feeling of helplessness in the  crusade for dignity in life  ………………
…………………. that realization was shattering many things in my mind today ..

yes .. tonight i cried ……..for someone else……for  a long while…. … after may years …..

and my decision of which locality my house for me and my old parents should  be ……  was made …

Categories
Misc Write Ups and Downs

a student .. death and success

He was just back from his Germany trip and like any 21 year old he was happy as hell for the all cost paid trip  !

Its was his  project on low cost water purifier .It  was selected by UN for sponsorship and that how shanty went to Germany.I was happy for the progress he made .Felt contented for hours of lecture i used to give shanty on his engg project and studies .

“Dada , Germany is awesome” ,  I felt very proud  when shanty told me this .

it reminded of his similar statement , “Dada , Wake up … we need to start the class” !

Giving tuition  wasn’t really a fun thing to do while in 9th class  .

But it was nice feeling to be able to earn 200 bucks at that age .  That’s exactly how much I was paid for teaching my 2 pupils .  Maths , language and DI that’s what i would teach . Call it mini version of CAT .We had to pass that exam for qualifying to govt scholarship . My having stood in  merit  for that in 4th class made me an obvious candidate for giving guidance to juniors in town.

Shantanu   wasn’t actually a junior seeking advise from me . He was a bright student in his class , his father knew it . It was him who convinced me to give tuition to shanty .

And what a class it was …….. a 15 year old kid teaching two 8 year olds 🙂 . Not that i  was a bad teacher but there would be times where the age factor would show up . At times they would quarrel with me over the punishment I gave . Other times there would be them .. my 2 students standing near my bed at 7 am and trying to wake me up for the class to begin ! Of course Iwould  start with the subject even without brushing my teeth .

And it showed ….. shantunu got the merit too . I was glad and so was his father . I was already possessive over shantanu by then and i would debate with his dad on why Shantanu should stay in town  and not join Navoday school .

Mr patahk passed away the month after . And Novoday which was an option became necessity for Shantanu .

– –

Yassen was a man of fine taste . Lean body , sharp features , jet back hairs and an overwhelming sense of humor added to his charm  . I would often loose sense of time when he would open his pitara of stories …  Stories of common man , at times stories from Islamic legends and most often it would be caricature and mimicry of people around us . He loved to mock  unpolished ,cocky ways of vidharbhian villagers .

It used to go on for hours and that was our first introduction to startling mix of  oratory and stand up comedy . I now realize how deftly   he did mix facts with imagery , Shakespearean quotes and shades of his secular sufi Islamic philosophy . Its this last specialty that made  me at home at his house in India of babri masjid/1992 . What used to attract us  most were times when , he engrossed in his   wizardry would forget our ages and go “adult” in his language . That was fun ,although some of my “good boy” friends used to find that  irritating , i used to adore him for that frankness . Except may be the frequent clearing of through he would do .

We used to advise him many cures for that . From gulping cumin seed drink to Benedryl to homeopathy , he tried them all and almost become an expert in it . Occasionally he too would express sadness over it .

It was his dream to do a public show of his comedy story telling . He wanted to enthrall all of the town and villageers around …  in that one show he would do . It was quite uncommon for an English teacher in Urdu school . But that was yaseen ,he was the most proficient and fluent person in English in my town n around and my English teacher .

Funny thing is I learnt more  Urdu at his home than English .  Not that I would understood Ghalib and Amir khusro at that age but my progress had already happened to being literate in Urdu and do poems in it . “I want you to elect Urdu instead of Marathi in your board exams , I want to prove it to the world that its not language of Muslims but every Indian ” , he used to tell me often. Aleef , Be , Te … i went ..

It inspired me ! I had nearly convinced my parents for that and was looking forward to get in to 9th class to see that dream fulfill the year next .

And what a decision that was , my first big decision in life then .. It thrilled me as i left my town for my long summer vacation at  my relatives in UP . ……… It was like doing something big or it felt like that in that age .

I would practice urdu every day there and was elated when i could demonstrate me reading all the signboard in amina bazar of lucknow . So much fun it was being in a diff sate and having diff skill … Urdu !!

Back home Raza sir was diagnosed throat cancer . People tried their best  ..but  He succumb to it  immediately …

i could never fulfill his dream of passing 10th with urdu elective…….. while the legacy of poetry continues ..

………… Shanty is doing his final year Engineering now . Lean body , sharp features , jet back hairs and an cute sense of humor adds to his charm ….

Life goes on .. and so does the story of a student .. death and success..