Bank of India In-House Journal Taarangan March 13

Page 1

yeQJ‡â Dee@]Heâ Fbef[Ùee Jeâ‡r efleceener ie=nHeef$ekeâe ceeÛe&, 2013

Cover page conceived by

Smt. Urmila Nagle, Indore

Bank of India’s Quarterly House Journal March, 2013

“If you educate a man you educate an individual, but if you educate a woman you educate a family (Nation).” - Dr. James Kwegyir-Aggrey

keâneB - keäÙee?

?

DeOÙe#e SJeb ØeyebOe efveosMekeâ keâe mebosMe ....................................... 4 Editorial....................................................................... 5

keâeJÙeebpeefue ...................................................................... 8 Women's Day Celebrations... .................................... 9

mebheeokeâerÙe ceb[ue S. heer. Iegieue

Editorial Board A. P. Ghugal

ceneØeyebOekeâ

General Manager

hegef<heboj efmebn

Pushpinder Singh

ceneØeyebOekeâ

General Manager

jekesâMe efmevne

Rakesh Sinha

Ghe ceneØeyebOekeâ (De. SJeb efJe.)

Dy. Gen. Manager (L&D)

yeer. Jeer. GheeOÙes

B. V. Upadhye

Ghe ceneØeyebOekeâ SJeb ØeeÛeeÙe&

Dy. Gen. Manager & Principal

mebheeokeâerÙe oue mebheeokeâ Sme. Sce. Mekeâerue

Editorial Team Editor S. M. Shakeel

Woman, The Source of Life ...................................... 10

06

Khas-Khas

Deblejje°^erÙe ieefleefJeefOeÙeeb ................................................... 12 ieCeleb$e efoJeme ................................................................ 13 Women and New Consciousness............................. 14 New General Managers ........................................... 15

Ùen DeeJeMÙekeâ veneR efkeâ heef$ekeâe ceW Úhes uesKeeW ceW JÙeòeâ efJeÛeej yeQkeâ kesâ neW. Opinions expressed in Articles published in this magazine do not necessarily reƀect the views of the Bank. Contact : The Editor, Taarangan, Bank of India, Head Ofſce, HR Dept., 9th ƀoor, Star House, C-5, G-Block, Bandra-Kurla Complex, Bandra (E), Mumbai-400 051 You can send your contributions by e-mail at headofſce.taarangan@ bankoſndia.co.in Printed, Published and Edited by S. M. Shakeel on behalf of Bank of India, published from Head Ofſce : Star House, C-5, 'G' Block, Bandra-Kurla Complex, Bandra (E), Mumbai-400 051 and printed at Magna Graphics (India) Ltd., Kandivali (W), Mumbai-400 067.

16

Empowerment of Women?

JesoeW ceW veejer keâe cenlJe ..................................................... 17 Training..................................................................... 18

vesMeveue yeQefkebâie mecetn (Gòej) .............................................. 19 Women Leaders in Banking ..................................... 20

21

2013 Year of Threat and Opportunities for Banking Sector

nceW DeeHekeâer ie=nHeef$ekeâe ‘leejebieCe’ keâe efomebyej 2012 Debkeâ HeÇeHle ngDee, OevÙeJeeo. Debkeâ keâer He=<"meppee Deewj ÚeÙeebkeâve yengle DeÛÚe nw. uesKe `Dee@efHeâme Keeleesb keâe jKe-jKeeJe' %eeveJeæ&keâ ueiee Deewj keâeJÙe He#e ceW HeÇkeâeefMele ke=âefleÙeeb keâeefyeues leejerHeâ nw. Deeieeceer Debkeâesb kesâ efueS nceejer lejHeâ mes MegYekeâeceveeSb. ßeer peer.Sve. meesceosJes, me.ce.HeÇ. (jepe.) je<š^erÙe DeeJeeme yeQkeâ meJe&HeÇLece DeeHekesâ yeQkeâ keâes ‘DeeOeej SkeämeerueWme DeJee[& 2012’ keâer HeÇeefHle Hej neefo&keâ yeOeeF&. ie=nHeef$ekeâe ‘leejebieCe’ efJeefMe<š SJeb vetleve peevekeâejer efueS ngS nw. Heef$ekeâe keâe keâJej-He=<" ve kesâJeue Deekeâ<e&keâ SJeb megboj nw DeefHeleg Heef$ekeâe keâer efJeefMe<šlee keâes Yeer oMee&lee nw. Heef$ekeâe ceW HeÇkeâeefMele meYeer efJe<eÙe %eeveJeOe&keâ SJeb jesÛekeâ nQ. jÛeveeSb ÙeLee Right to Education Act, Dee@efHeâme Keeleesb keâe cenlJe SJeb jKe-jKeeJe, HeÇeefme keâe efJe%eeve pewmeer jÛeveeSb efJeMes<e peevekeâejer HeÇoeve keâjleer nQ. efÛe$eebkeâve efJe<eÙeesHeÙegkeäle SJeb megboj nw. [e@. ÛejCepeerle efmebn, Jeefj.HeÇ. (jepe.) Hebpeeye SC[ efmebOe yeQkeâ DeeHekeâer ie=nHeef$ekeâe keâe efomebyej, 2012 Debkeâ HeÇeHle ngDee. efJeefJeOeleeDeesb mes HeefjHetCe& Ùen Heef$ekeâe yeQkeâ Dee@Heâ Fbef[Ùee keâer ieefleefJeefOeÙeesb mes DeJeiele keâjeves ceW meHeâue jner nw. meeLe ner, FmeceW Meeefceue yeQeEkeâie mebyebOeer uesKe %eeveJeOe&keâ SJeb mlejerÙe nQ. yeQeEkeâie efJelle kesâ veS #es$e ‘keâeye&ve ›esâef[š’ Hej ßeer [er. Ûebõceewueer keâe uesKe Fme #es$e ceW keâejesyeej keâer mebYeeJeveeSb leueeMeves ceW yeQkeâjesb kesâ efueS GHeÙeesieer nesiee. Heef$ekeâe ceW Meeefceue HetJe& keâce&ÛeeefjÙeesb kesâ uesKe efjMleesb keâer peceeHetbpeer keâLeve keâes meekeâej keâjles nQ. Heef$ekeâe kesâ meHeâue SJeb GHeÙeesieer mebHeeove kesâ efueS neefo&keâ yeOeeF&. ßeer osJesvõ efmebn jeJele, ceg.HeÇ. (jepe.) osvee yeQkeâ DeeHekesâ yeQkeâ keâer ie=nHeef$ekeâe ‘leejebieCe’ keâe efomebyej, 2012 Debkeâ HeÇeHle ngDee. ‘leejebieCe’ keâe DeeJejCe He=<" mekeâejelcekeâ leLee mebJesoveelcekeâ Tpee& keâes HeÇefleefyebefyele keâjlee nw. Heef$ekeâe ceW yeQeEkeâie peiele kesâ DeeuesKeesb kesâ meeLe-meeLe efJeefJeOe efJe<eÙeesb Hej meejieefYe&le uesKeesb keâe meblegefuele mecevJeÙeve DeeHekesâ SJeb DeeHekeâer šerce kesâ keâef"ve Heefjßece keâe HeefjÛeeÙekeâ nw. peesefKece HeÇyebOeve Hej meerSce[er cenesoÙee kesâ DevegYeJe mes HeefjHetCe& DeeuesKe ¤efÛekeâj SJeb %eeveJeOe&keâ nw. efJeMes<e ¤He mes yeesb[e DeeefoJeemeer keâer peerJeve Mewueer mes mecyeæ DeeuesKe cece&mHeMeea leLee HeÇeÛeerve meYÙelee SJeb mebmke=âefle keâe efveoMe&ve keâjves Jeeuee nw. keâeJÙeebpeefue ceW ie]peue SJeb ieerle oesveesb ner ùoÙe-mHeMeea nQ. ßeer efJepeÙe efceße, ceneHeÇyebOekeâ, mesvš^ue yeQkeâ Dee@Heâ Fbef[Ùee ie=nHeef$ekeâe ‘leejebieCe’ Debkeâ — efomebyej 2012 HeÇeHle ngDee. ncesMee keâer lejn Fme yeej Yeer Heef$ekeâe lewÙeej keâjves ceW keâeHeâer Heefjßece efkeâÙee ieÙee nw Deewj Fme Heefjßece kesâ HeefjCeecemJe¤He, Heef$ekeâe Glke=â<šlece ¤He ceW nceejs neLeeW ceW nw. ‘efJeMes<ekeâj JÙeeHeej Deewj JÙeJenej keâer Yee<ee’ DevegYeJe kesâ DeeOeej Hej melÙe kesâ Oejeleue Hej efškeâe ngDee nw. Ssmeer Heef$ekeâeSb efkeâmeer Yeer mebmLeeve ceW Debleefve&efnle HeÇefleYeeDeesb keâes meeceves ueeves keâe meMekeäle ceeOÙece nesleer nQ Deewj ‘leejebieCe’

Deehe keânles nQ... You said it...

efveefMÛele ®He mes FmeceW meHeâue efmeæ nes jner nw. ßeer njerMe efmebn Ûeewneve, Deveg. DeefOekeâejer, jepeYee<ee efJeYeeie, Yeejle mejkeâej ie=n ceb$eeueÙe

efHeÚues DebkeâeW keâer lejn yeQkeâ keâer HeÇefmeæ ie=nHeef$ekeâe ‘leejebieCe’ keâe efomebyej 2012 Debkeâ efJeefJeOeleeDeesb mes HeefjHetCe& nw. Fme Debkeâ keâe yeenjer DeeJejCe peneb Skeâ Deesj nceejs yeQkeâ kesâ HeÇleerkeâ mšej (leejs) keâes oMee&lee nw JeneR otmejer Deesj Ùen Skeâlee keâe HeÇleerkeâ Yeer nw. nce meYeer Skeâ meeLe efceuekeâj ner yeQeEkeâie ceW DeHevee GÛÛe mLeeve yevee mekeâles nQ. JÙeeHeej Deewj JÙeJenej keâer Yee<ee, HeÇeefHle keâe efJe%eeve, vescele FlÙeeefo uesKe DelÙeble meejieefYe&le SJeb %eeveJeæ&keâ nQ. ßeer DeefceleeYe jmleesieer, Deeb.HeÇ., JeejeCemeer DebÛeue Fme Debkeâ ceW Henueer yeej DeeHeves DeOÙe#e SJeb HeÇyebOe efveosMekeâ keâe uesKe HeÇkeâeefMele efkeâÙee, Fmekesâ efueS DeeHekeâes {sjeW yeOeeF&Ùeeb. Heef$ekeâe ceW leceece %eeveJeOe&keâ uesKe nQ efpememes efve:mebosn Hee"keâesb keâe %eeveJeOe&ve nesiee. meyemes DeÛÚer yeele DeeHe Hee"keâesb kesâ efoueesb Deewj efoceeie mes pegÌ[ves keâer keâesefMeMe keâj jnsb nQ. Fmemes keâF& HeÇsjCeeoeÙekeâ yeelesb meeceves DeeSbieer pees Heef$ekeâe keâes Deewj Deekeâ<e&keâ yeveeves ceW ceoo HeÇoeve keâjsieer. ßeer lejueesÛeve efmebn, Deeb.HeÇ., jebÛeer DebÛeue ‘leejebieCe’ ie=nHeef$ekeâe keâe efomebyej 2012 Debkeâ yesnlejerve ueiee. Ùen Debkeâ ve kesâJeue nceejs yeQeEkeâie HeefjJeej kesâ OeÌ[keâles Keeme Heueesb keâe ner yÙeewje veneR oslee, yeefukeâ iebYeerj yeQeEkeâie %eeve Deewj nceejs yeQeEkeâie mejeskeâejeW keâes Yeer oMee&lee nw. efve:mebosn Fme Glke=â<š Debkeâ kesâ efueS Heef$ekeâe mes pegÌ[s nj-Skeâ JÙeefkeäle Keemeleewj Hej mebHeeokeâ ceb[ue Deewj jÛeveekeâej efJeÛeejkeâ keâes Fmekeâe ßesÙe efoÙee peevee ÛeeefnS. ßeer Deej.Sme. Ûeewneve, Deeb.HeÇ., nwojeyeeo DebÛeue cegPes DelÙevle HeÇmevvelee nw efkeâ ‘leejebieCe’ veS ef#eeflepe keâer Deesj efvele veS Deekeâ<e&keâ keâuesJej kesâ meeLe meejieefYe&le Heef$ekeâe kesâ ¤He ceW efveKej jner nw. Heef$ekeâe keâe ve efmeHe&â ceveceesnkeâ keâuesJej nw, yeefukeâ FmeceW meceeefnle efJeefJeOe meeceieÇer Yeer mebieÇnCeerÙe omleeJespe meeefyele nes jner nw. Heef$ekeâe ceW peneb Skeâ Deesj jesÛekeâ keâneveer, keâefJeleeSb SJeb Ùee$ee mebmcejCe HeÌ{ves keâes efceueles nQ Jenerb otmejer Deesj yeQeEkeâie peiele keâer %eeveJeOe&keâ veJeervelece peevekeâejer kesâ meeLe mebHetCe& Yeejle meefnle efJeosMeeW ceW DeeÙeesefpele yeQkeâ keâer efJeefYevve ieefleefJeefOeÙeesb keâer peevekeâejer keâejer Yeer efceueleer nw. Fme HeÇkeâej ‘leejebieCe’ Skeâ mebHetCe& meejieefYe&le ie=nHeef$ekeâe nw. ‘leejebieCe’ šerccee keâes neefo&keâ yeOeeF&. ßeer Sme.kesâ. DeieÇJeeue, Deeb.HeÇ., Gppewve DebÛeue

?

(Yeejle mejkeâej keâe Ghe›eâce) Debkeâ 18 ›eâceebkeâ 11 - ceeÛe&, 2013 yewkeâ Dee@]Heâ Fbef[Ùee keâer efÉYee<eer efleceener ie=nheef$ekeâe

National Banking Group (South) .............................. 22 Credit Card Fraud ..................................................... 23 National Banking Group (East) ................................. 24

ÂÌ{ mebkeâuHe ves keâeceÙeeyeer kesâ efMeKej Hej HengbÛee efoÙee .................. 26 cesje mehevee Ùetefvekeâ yegefškeâ / ceQ ntB Deepe keâer veejer ...................... 27

(A Government of India Undertaking) Volume 18 No.11 - March, 2013 A Quarterly Bilingual House Journal of Bank of India

44

keäÙee cesje meeLe ieJeeje nw?

Success Story........................................................... 28 The Phoenix Shall Rise ............................................ 29

veejer efMe#ee .................................................................... 30 vesMeveue yeQefkebâie mecetn (heefMÛece) .......................................... 31 Remove Every Tear with the Pearl of Happiness ..... 32 Feel it ....................................................................... 33

34

The reawakening of Women Women Empowerment / Mother ............................... 35

Commitment can bring Miracles / Brave Heart ........ 46 meHeâuelee keâer keâneveer ........................................................ 47 veF& MeeKeeSb ................................................................... 48 Daughters – Blessings on Earth ................................... 49 I believe that : A Woman is Loved ........................... 50 Tips For Successful Life ........................................... 51 T ÂÂef°keâesCe ...................................................................... 52 Woman – Full of Strong... / veejer keâe mJe¤He ............... 53 W As the thought ƀows ................................................. 54 A JJeemleg Meem$e Skeâ efJe%eeve / cesjer ceeB / Blood Donation .............. 55

56

veS SšerSce

Women’s Equity & Inequality in Indian Society .......... 36

Dece=lee / First Indian Woman Doctor ........................... 37

38

Health allthh PPlus luus

GÌ[eve..... KJeeefnMeeW keâer / I am Alive................................ 39 ceeveJelee keâer Meeve, jkeäleoeve DeefYeÙeeve / veejer efMe#ee................. 40 National Banking Group (Central) ............................ 41

Talent........................................................................ 57 Sports ....................................................................... 58 Dhruv Taare / Form IV .............................................. 59

60

National Conference of Taarangan

Other Activities ......................................................... 42

DevÙe peevekeâejer ............................................................. 60 My Trips in Japan ..................................................... 61

Role of Women in Traditional Manipuri Society........ 43

efJeefJeOe.......................................................................... 62

DeOÙe#e SJeb ØeyebOe efveosMekeâ keâe mebosMe

Chairperson & Managing Director's Message

eføeÙe meeefLeÙees,

Dear Colleagues,

DeeHe meyekeâe DeefYevebove!

DeeHe meye ueesie peeveles nQ efkeâ 8 ceeÛe& Deblejje°^erÙe ceefnuee efoJeme kesâ ¤He ceW ceveeÙee peelee nw Deewj cegPes Fme yeele keâer øemevvelee nw efkeâ nceejer ie=nHeef$ekeâe ‘leejebieCe’ keâe Ùen Debkeâ ceefnueeDeesb keâes meceefHe&le nw. ceQ Ùen keânvee Ûeentbieer efkeâ Ùeefo ceefnueeSb DeHeves DeefOekeâejesb kesâ øeefle peeie¤keâ nQ lees eEueie Yeso keâer otefjÙeesb Hej efJepeÙe HeeÙeer pee mekeâleer nw. ceefnueeDeesb kesâ ceeceues Deye Iej keâer ÛenejoerJeejer keâe yeesOe veneR nw yeefukeâ Deye Ùen Deblejje°^erÙe efJekeâeme keâer DeefveJeeÙe&lee yeve Ûegkeâe nw. efJeMJe ceW ceefnueeSb DelÙeefOekeâ Devepeeveer m$eesle nQ efJeMes<ekeâj Demebieef"le #es$e ceW. ceefnueeSb DeefOekeâlej OÙesÙeÛeeefuele nesleer nQ Deewj øeeÙe: YeeJe øeJeCelee DeeOeeefjle efJeMJeemeesb mes efJeJeMe nesleer nQ. DeHeves Heg®<e meeefLeÙeesb keâer leguevee ceW meòeemebHevve ceefnuee meceepe keâes Heesef<ele Deewj eEmeefÛele keâjves keâer Deesj DeefOekeâ øeJe=òe nesleer nQ. Skeâ efMeef#ele ceefnuee mebHet=Ce& HeefjJeej keâe efJekeâeme keâjleer nw Deewj HeefjJeej kesâ cegefKeÙee Deewj DevÙe meomÙeesb kesâ yeerÛe keâer Jen Skeâ cenlJeHetCe& mebHeke&â keâÌ[er nesleer nw. veejer kesâ øeefle ueesieesb keâer ceeveefmekeâlee ceW Deewj meceepe kesâ vepeefjS ceW lelkeâeue HeefjJele&ve keâer DeeJeMÙekeâlee nw efpememes efJeefYevve #es$eesb ceW veejer kesâ øeefle nes jns ogJÙe&Jenej keâes jeskeâe pee mekesâ. ceefnueeSb YeeJeveeDeesb keâes mecePeleer nQ Deewj mebJesoveMeerue nesleer nQ leLee Ûetbefkeâ Jen keâeÙe&mLeue Deewj yeenj kesâ DeHeves øeeflemHeOeer& kesâ øeefle Yeer menevegYetefle jKeleer nQ FmeefueS Jen ncesMee menpe Deewj mJeeYeeefJekeâ leewj Hej DeHeveer ßes…lee yeveeS jKeleer nQ. keâeÙe&mLeue Hej Jen Fme lejn ieefjceeceÙe meblegueve efveefce&le keâjleer nQ efkeâ mebmLee meebmke=âeflekeâ HeefjJesMe ceW Hegef<Hele nesles jnleer nw. ceefnueeSb yesnlej {bie mes Skeâ meceÙe ceW keâF& keâeÙe& efveHeše osleer nQ Deewj yesnlej DevleJezÙeefkeälekeâ keâewMeue keâe øeoMe&ve keâjleer nQ. ceefnueeSb MesHeâ mes HeeÙeueš Deewj meerF&Dees lekeâ meye kegâÚ keâeÙe& keâj mekeâleer nQ. yeme GvnW Flevee ner ÛeeefnS efkeâ peneb Jen keâeÙe&jle nw JeneB kesâ HeefjJesMe ceW Kego keâes megjef#ele mecePes. meJeeËieer mlej Hej nce Ùen Heeles nQ efkeâ ceefnueeDeesb kesâ efueS DeefOekeâ mes DeefOekeâ DeJemej efveefce&le nes jns nQ. ceefnueeDeesb ceW DeHeej øeefleYeeSB nQ efpevemes ueeYe øeeHle keâjves kesâ efueS GveHej efJeMes<e OÙeeve efoÙee pee jne nw Deewj Gvnsb meceeve DeJemej øeoeve efkeâÙee pee jne nw. cegPes efJeMJeeme nw efkeâ nce vewvee ueeue efkeâoJeF&, Ûeboe keâesÛej, efJeveerlee yeeueer, veeruece OeJeve, mebieerlee Hesb[gjkeâj, efkeâjCe cegpetceoej Mee@, efMeKee Mecee&, jbpevee kegâceej, DeÛe&vee Yeeie&Je Deewj MegYeue#ceer Heevemes pewmeer Deewj DeefOekeâ ceefnueeDeesb keâes osKesbies. ceefnuee keâeÙe&Heeuekeâ keâer meHeâuelee kesâ efueS keâef"ve ßece Deewj o={lee iegCeesb keâe nesvee DeeJeMÙekeâ nw. HeeefjJeeefjkeâ oyeeJe, meeceeefpekeâ HejbHejeSb, eEueie Yeso Deewj jesue cee@[ue keâe DeYeeJe pewmeer kegâÚ yeeOeeDeesb keâe Deepe keâer keâecekeâepeer ceefnueeDeesb keâes meecevee keâjvee He[lee nw. Dekesâueer ceefnuee keâes Fve ÛegveewefleÙeeW kesâ yeerÛe šerkesâ jnvee keâef"ve nw. Ùen DeeJeMÙekeâ nw efkeâ ceefnueeSb mecegoeÙe kesâ ¤He ceW Skeâ-otmejs kesâ keâjerye meneÙekeâ keâer Yetefcekeâe ceW DeeSb Deewj Skeâ veÙee meeceeefpekeâ ceevekeâ efveefce&le keâjsb leLee mebYeeefJele vesle=lJe keâes Deeies ueeSb. %eeve eEueie Yeso keâes veneR ceevelee nw. ceefnueeDeesb keâer Gvveefle Deewj meHeâuelee kesâ DemebKÙe DeJemej nQ. GveceW kesâJeue vesle=lJe keâer ÛegveewefleÙeesb keâes mJeerkeâejves keâer Ûeenle nesveer ÛeeefnS Deewj DeHeves meHeveesb keâes meekeâej keâjves keâer Oegve meefnle GÅeceer Glmeen keâe GHeÙeesie keâjvee ÛeeefnS. ncesMee øeieefle Hee" Hej vepej jKeveer ÛeeefnS Deewj DeJemejesb keâes HenÛeevevee ÛeeefnS, Deeves Jeeueer ÛegveewefleÙeesb keâes mecePevee ÛeeefnS, DeHeves GösMÙeesb kesâ øeefle mHe° nesvee ÛeeefnS, Ùen efveOee&efjle keâjvee ÛeeefnS efkeâ GveHej kewâmes keâeÙe& efkeâÙee peeS Deewj OÙeeveHet=Je&keâ Gmes kewâmes efve<Heeefole efkeâÙee peeS. DeHeveer mentefueÙele mes DeefOekeâ DeHeves mlej keâe efveOee&jCe keâjsb leLee Ùen meesÛesb efkeâ peye DeeHekeâes Gvekeâer øeeefHle nes peeSieer leye DeeHe mecePesbies efkeâ DeeHe ceW Fmemes Yeer keâef"ve ue#Ùe Heej keâjves keâer #ecelee nw. DeHeves efJeÛeejesb, Meyoesb Deewj keâeÙeesË ceW mejuelee yeveeS jefKeS Deewj Deefle cenlJeHet=Ce& Ùen efkeâ keâYeer Yeer veweflekeâlee mes mecePeewlee cele keâerefpeS, Ûeens neueele kewâmes Yeer neW. nceejer ie=nHeef$ekeâe keâe Ùen ceefnuee efJeMes<eebkeâ øeMebmeveerÙe nw Deewj ceefnuee Meefkeäle keâes øeoefMe&le keâjves ceW meHeâue jne nw. Deveskeâ MegYekeâeceveeDeesb meefnle,

(Jeer. Deej. DeÙÙej)

leejebieCe

ceeÛe& 2013

4

Greetings to all of you! You all are aware that 8th March is celebrated as ‘International Women’s Day’ and I am happy to know that this edition of our In-House Journal is dedicated to Women. I would say that sustainable gains towards gender equality are possible when women are informed of their rights. Women’s issues are now not only domestic but international development imperative. Women are the greatest untapped resources of the world especially of the unorganized sector. Women are more cause driven and more often compelled by passionately held beliefs. Women in power are more inclined to give back and pay it forward to the society than their male counterparts. An educated woman brings up the entire family and is a vital link between the head of family and other members. There is an urgent need for change of mind sets of the people and attitude of society towards women to arrest the abuse of women in different sections. Women understand emotions, have compassion and because they also empathize with competitor at the workplace or outside, they always come out on top in a fair manner. They create a certain balance and dignity in workplace that refreshes the cultural environment of an organization. Women are better at multi-tasking and showing interpersonal skills. Women can do everything from being chauffeurs to pilots to CEOs. It is just that they need to feel secure about the environment in which they operate. At a systemic level, we see more and more opportunities opening up for women. We are seeing increasing focus on gender diversity on tapping the huge talent pool that women represent and on giving equal opportunity to women, I am sure we will see many more women like Naina Lal Kidwai, Chanda Kochar, Vinita Bali, Neelam Dhawan, Sangeeta Pendurkar, Kiran Muzumdar Shaw, Shikha Sharma, Ranjana Kumar, Archana Bhargava & Shubhalaxmi Panse. Self-belief, Self Esteem, Hard Work and Persistence are the qualities of success of women executives. Family pressures, social customs, gender bias and a shortage of role models are some of the impediments faced by today’s working women. It is difficult for individual women to stand alone. There is a need for women to come together as a community to help one another and empower each other to create new social norms and bring the potential leadership to the fore. Knowledge does not have any gender divide. Women have enormous opportunities to excel and succeed. All they need is to be willing to take on leadership challenges and use their spirit of enterprise and perseverance to fulfill their dreams. One has to look ahead and spot opportunities, understand challenges that come with them, set clear objectives for oneself, lay out how to work towards them and then execute with focus. Set high standards for yourself beyond your comfort zone and conditioned thinking and when you achieve them, you realize that you can go even further. Embrace simplicity in thoughts, words and actions and most importantly never deviate from the moral compass, no matter what compulsions. This ‘Women’s Special’ edition of our In-House Journal is appreciable one and will surely represent ‘Women Power’. With good wishes,

(V. R. Iyer)

mebheeokeâerÙe

Editorial

eføeÙe Hee"keâes,

Dear Readers,

efJeMJeYej ceW øelÙeskeâ Je<e& 8 ceeÛe& keâes ‘Deblejje°^erÙe ceefnuee efoJeme’ kesâ ¤He cesb ceveeÙee peelee nw. meJe&øeLece, ceQ mecemle ceefnuee Hee"keâesb keâes ceefnuee efoJeme keâer neefo&keâ MegYekeâeceveeSb oslee ntb. Ùen DeJemej ncesb cenelcee ieebOeer peer keâer Ùeeo efoueelee nw efpevneWves yengle Henues Ùen keâne Lee efkeâ `Heg®<e Deewj ceefnuee DeefveJeeÙe& ¤He mes meceeve YeeJevee mes mebHevve nesles nQ. ceefnuee Deewj Heg¤<e oesveesb yejeyej nQ Deewj Skeâ otmejs kesâ Hetjkeâ nQ. ceefnuee %eeve, efJeveceülee, menveMeeruelee, lÙeeie, Deewj efJeMJeeme pewmes iegCeesb keâer DeJeleej nw. Fme keâLeve keâer meÛÛeeF& mecekeâeueerve efJeMJe cesb nj peien osKeer pee mekeâleer nw. Deepe, efve:mebosn ceefnueeDeesb ves peerJeve kesâ nj #es$e cesb DeHeveer MeefkeäleÙeesb Deewj #eceleeDeesb keâe HeefjÛeÙe efoÙee nw leLee kegâÚ #es$eesb cesb Jen Heg®<e mecekeâ#eesb keâer leguevee cesb yesnlej meeefyele ngF& nQ. JewefMJekeâ mlej Hej, nceejs Heeme ceneve ceefnueeDeesb kesâ Deveskeâ GoenjCe nQ efpevnesbves meceepe kesâ efueS cenlJeHetCe& Ùeesieoeve efoÙee Deewj Deepe Yeer os jner nQ. efMe#ee, meceepe keâes cepeyetle yeveeves keâe meyemes MeefkeäleMeeueer GHekeâjCe nw. neueebefkeâ, ceefnueeDeesb keâer efMe#ee ceneveiejesb Deewj Menjer #es$eesb cesb yesnlej nes jner nw Hejbleg «eeceerCe #es$e keâer ceefnueeDeesb keâes efMeef#ele keâjves kesâ efueS DeefOekeâ øeÙeeme keâjves keâer DeeJeMÙekeâlee nw. nce cesb mes kegâÚ Gme efoMee cesb keâece keâj mekeâles nQ. Oeerjs-Oeerjs ceefnueeDeesb kesâ efueS meceeve DeefOekeâej keâer yeele peesj HekeâÌ[ jner nw Deewj Ùen meeefyele nes ieÙee nw efkeâ Ùeefo meceepe yesnlej {bie mes øeieefle keâjvee Ûeenlee nw lees ceefnueeDeesb keâe Deelcemecceeve meyemes DeeJeMÙekeâ lelJe nw. Fme Debkeâ kesâ meeLe, nce ceefnueeDeesb Deewj Heg®<eesb oesveesb keâer ceeveJe mebmeeOeve #ecelee keâes mecePeles ngS meceepe cesb mekeâejelcekeâ Deewj mLeeÙeer HeefjJele&ve nsleg meleke&â Deewj øeefleyeæ jnles ngS ceefnueeDeesb keâer GHeueefyOeÙeesb keâe peMve cevee jns nQ. DeeHe meYeer keâes efJeefole nesiee efkeâ Deblejje°^erÙe ceefnuee efoJeme 2013 kesâ efueS mebÙegkeäle je°^ keâe efJe<eÙe nw: ‘‘JeeÙeoe DeeefKej JeeÙeoe nw : ceefnueeDeesb kesâ efJe¤æ eEnmee jeskeâves keâer keâej&JeeF& keâe meceÙe’’. DeeFS nce Fmes meÛe yeveeves kesâ efueS efceuekeâj keâeÙe& keâjsb DeeHekeâes meeQHee ieÙee Ùen Debkeâ nceeje `veejer Meefkeäle keâes meueece’ nw. nceves Fme Debkeâ cesb DeHeveer ceefnuee mšeHeâ meomÙeeW, Gvekesâ HeefjJeej keâer ceefnuee meomÙeesb kesâ uesKe, DeeuesKe, GHeueefyOeÙeeb, keâefJeleeSb Deewj ceefnuee ie>enkeâesb keâer meHeâuelee keâer keâneefveÙeeb FlÙeeefo keâes Meeefceue efkeâÙee nw. Fme efJe<eÙe keâes ueskeâj ‘leejebieCe’ Henueer yeej øekeâeefMele efkeâÙee ieÙee nw. nce ke=âle%elee mes meYeer kesâ menÙeesie keâes mJeerkeâej keâjles nQ. Debkeâ keâe Deevebo G"eSb Deewj DeHeveer efve<He#e øeefleef›eâÙeeSb ncesb- Headoffice. Taarangan@bankofindia.co.in Hej DeJeMÙe efYepeJeeSb.

Every year on March 8th International Women’s Day is celebrated all over the world. Let me first wish all our Women Readers a very Happy Women’s Day.

(mejleepe ceesncceo Mekeâerue

The occasion makes us to remember what Mahatma Gandhi had said long ago, ‘Men and women are essentially endowed with the same spirit. Women are at par with men, one complementing the other. Women are embodiments of virtues like knowledge, humility, tolerance, sacrifice and faith.’ The truth of this statement can be seen everywhere in the contemporary world. Today, without an iota of doubt, women have shown their strength and capabilities in every sphere of life and in some areas they have even proved to be better than their male counterparts. Globally, we have many examples of great women who have and are contributing to the society in a significant manner. Education is the most potent tool to strengthen the society. Though education of women is getting better in metro and urban areas, more efforts are required to educate women living in rural areas. Some of us can work towards that. Gradually equal rights for women are gaining ground and it has been proved that dignity of women is sin qua none for any society which wants to do well and progress. With this issue, we celebrate the achievements of women while remaining vigilant and committed for positive and sustainable change in society to realize the potential of Human Resources consisting of both women and men. You will be aware that the theme of the UN for International Women’s Day 2013 is “A promise is a promise: Time for action to end violence against women”. Let us work together to make it a reality. The edition in your hands is our ‘Salute to the Women Power’. We have included articles, write-ups, poems & achievements of our Lady Staff members and lady members in their families alongwith Success Stories/articles of our lady customer. Such an issue of Taarangan has been published for the first time. We gratefully acknowledge cooperation of all. Enjoy the edition and send your candid feedback to us on Headoffice.Taarangan@bankofindia.co.in

Sartaj Mohd. Shakeel)

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Taarangan

March 2013

Keeme-Keeme

Keeme-Keeme cegbyeF& oef#eCe DebÛeue Éeje DeeÙeesefpele ‘melÙeveejeÙeCe ceneHetpee’ kesâ oewjeve DeOÙe#e SJeb øeyebOe efveosMekeâ ßeerceleer Jeer. Deej. DeÙÙej meYeer mšeHeâ meomÙeeW keâes mebyeesefOele keâjleer ngF&. meeLe ceW Deeb.øe. ßeer [er.kesâ. ieie& SJe DevÙe keâeÙe&HeeuekeâieCe.

CMD Smt. V.R. Iyer cooking the rice to mark the traditional beginning of PONGAL festivities during her visit to Coimbatore Zonal Office.

CMD Smt. V.R. Iyer addressing Branch Managers of Chandigarh Zone during her visit to Chandigarh in the presence of GM NBG (N) Shri Gauri Shankar, ZM Shri K.L. Sharma & DGM Shri S.K. Saddi.

keâesuekeâelee oewjs kesâ oewjeve meerSce[er ßeerceleer Jeer. Deej. DeÙÙej keâe Smešermeer keâesuekeâelee ceW mJeeiele keâjles ngS øeeÛeeÙe& ßeer yeerjsMJej cegKepeer& SJeb mebkeâeÙe meomÙeieCe. meeLe ceW, ceneøeyebOekeâ Sveyeerpeer (HetJe&) ßeer øesce kegâceej.

(L to R) DM (South) Shri M.S. Viswanathan, GM (SME) Shri G.B. Kakade, GM NBG (South) Shri Charan Singh, CMD Smt. V.R. Iyer, ZM Shri V.G. Kamath, DGM LCB Shri Swarup Das Gupta & other staff members during the visit of CMD to NBG (South).

ueKeveT ceW Yee.efj.yeQ. Éeje DeeÙeesefpele efJeòeerÙe meceeJesMeve Je mee#ejlee DeefYeÙeeve kesâ Debleie&le ‘DeeGšjerÛe keâeÙe&›eâce’ kesâ oewjeve Skeâ Úe$ee keâes ‘mšej DeefYeuee<ee keâe[&’ øeoeve keâjleer ngFË meerSce[er ßeerceleer Jeer.Deej. DeÙÙej. meeLe ceW ieJeve&j, Yee.efj.yeQ., [e@. [er. megyyeejeJe, meebmeo SJeb DeOÙe#e DevegmetefÛele peeefle/pevepeeefle DeeÙeesie ßeer Heer. Sue. HegefveÙee SJeb DeOÙe#e, efpeuee HebÛeeÙele, yeejeyebkeâer, ßeerceleer Meeruee eEmen.

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Khas-Khas

CMD Smt. V.R. Iyer with the staff members of Saibaba Colony Branch, Coimbatore Zone along with ZM Shri M.V. Venketeshwaran, DGM NBG (S) Shri V. Vishwanathan, AGM Shri M. Shanmugam, CM Shri Kuldip Singh during her visit to the Branch.

Smešermeer veesS[e kesâ oewjs kesâ oewjeve DeOÙe#e SJeb øeyebOe efveosMekeâ ßeerceleer Jeer.Deej.DeÙÙej, ce.øe. Sveyeerpeer (Gòej) ßeer ieewjerMebkeâj, øeeÛeeÙe& ßeer S.kesâ. efceßee, mebkeâeÙe meomÙe SJeb DevÙe mšeHeâ meomÙe.

ED Shri N. Seshadri inaugurating the Stall during 11th Pravasi Bharatiya Diwas held at Kochi, Kerala alongwith GM (International) Shri S.K. Datta and ZM Shri Manoj Kapoor.

ED Shri. M.S. Raghavan, CEO SUDLIFE Shri G. Kulkarni and GM (Retail) Shri R.C. Baliarsingh at the launch of “Dhan Suraksha Platinum II” a New Product of Star Union Dai-ichi Life Insurance at Head Office.

kesbâogPej DebÛeue keâer yeebmeHeeue MeeKee kesâ GodIeešve DeJemej Hej Deesef[Mee kesâ ceeveveerÙe cegKÙeceb$eer ßeer veJeerve HešveeÙekeâ keâe mJeeiele keâjles ngS keâeÙe&Heeuekeâ efveosMekeâ ßeer yeer.Heer.Mecee& SJeb Deeb.øe. jepeefkeâMeesj ueWkeâe.

Hešvee DebÛeue ceW YeejleerÙe efjpeJe& yeQkeâ kesâ DeeGšjerÛe keâeÙe&›eâce kesâ Debleie&le ieebJe kesâ ueesieeW mes efceueles ngS Deej.yeer.DeeF&. keâe.efve. ßeer Jeer.kesâ. Mecee&, keâe.efve. ßeer yeer.Heer. Mecee&, Deeb.øe. ßeer kegâueYet<eCe pewve, ce.øe., Sve.yeer.peer.(F&) ßeer øesce kegâceej.

veJeer cegbyeF& DebÛeue kesâ leòJeeJeOeeve ceW efJe›eâesUer Heeke&âmeeF&š MeeKee Éeje ceefnuee cesUeJee keâe GodIeešve keâjles ngS ce.øe. (cee.meb.) ßeer S.Heer. Iegieue, Deeb.øe. ßeer ye>pesMe kegâceej ceesnebleer Deesj m$eer-GlLeeve ceW keâeÙe&jle ceefnuee DeeefLe&keâ efJekeâeme ceneceb[U keâer DeOÙe#ee ßeerceleer øeYee DeesPee.

Our Bank has been chosen by Govt. of India as SLBC Convener in Jharkhand State. ZM Shri Tarlochan Singh welcoming Chief Secretary, Jharkhand Shri R. S. Sharma & GM NBG (E) Shri Prem Kumar during the occasion.

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Taarangan

March 2013

keâeJÙeebpeefue H 

[e@. efveMeer helveer ßeer heJeve DejesÌ[e ef[efJepeveue keâeÙee&ueÙe, veF& efouueer

oeefceveer I, The Woman… Richa Kaura Borivali Housing and Personal Finance Branch Mumbai North Zone

I, the Woman, the power, the fire; The creator, the destroyer… The symbol of love, purity and serenity; The symbol of trueness, kindness and integrity… I am a daughter, a mother, sister and a wife; Let me be what I am, end this old ego strife… Since ages I am suppressed; Since ages I am crushed … Free me from the shackles of chains; Free me from the shackles of pains… Don’t limit me just because I am quiet; Don’t harass me just because I don’t fight… Give me colorful wings to fly; Give me unlimited reasons to smile… Let me think beyond the stars; Let me drench in the dream showers… Let me savour the food of freedom; Let me gather the knowledge and wisdom. I am proud to be what I am; As I am a Woman, the power, the fire… the creator, the destroyer… My salute to all Women who always give and never ask anything in return, who always make others smile even when they themselves are in pain…… leejebieCe

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ceQ oeefceveer yevevee veneR Ûeenleer Leer ceiej legceves keâeues yeeoueeW keâer keâeefueKe keâes heerÚs ÚesÌ[ efoÙee Lee~ legcnejs ieboieer mes Yejs neLeeW ves Skeâ efvejhejeOe keâes kegâÛeue efoÙee Lee legcnejer DeeBKeeW mes šhekeâleer JenMele ves efkeâmeer keâer ef]peboieer keâes cemeue efoÙee Lee~ legcnejs yesMeceea kesâ Ûesnjs ves Mece&meej keâj efoÙee Lee Kego Mece& keâes Yeer legcnejer oefjboieer ves Mewleeve keâe peecee henvekeâj, keâeš [euee Lee cece& keâes Yeer~ legcnejs mej hej meJeej Ketve ves Ketve keâj efoÙee Lee ceeB kesâ otOe keâe legcnejer JenMele ves keâj efoÙee Lee keâlue cesjs meheveeW, cesjs DejceeveeW keâe~ hej cesje ogYee&iÙe ÙeneR lekeâ veneR Lee cegPehes jesves kesâ efueS Skeâ Deeoceer Yeer veneR Lee Jees veejer mJeleb$elee kesâ Yee<eCe Jees cesjer Deepeeoer keâer keâmeceW meye keâneR jes jner LeeR, cesjer ner lejn~ ceewle keâe ceewve hemeje ngDee Lee ietBpeleer Leer jeJeCe keâer nbmeer kesâJeue cegPes PekeâPeesjleer LeeR YeÙebkeâj DeeJeepeW cegPes megveves Jeeuee keâesF& veneR Lee~ uesefkeâve Ùes efmelece cenbiee heÌ[siee Deye legcekeâes ceQ ef$eosJe keâer Meefòeâ¤hee peeieer ntb Deepe meejs jòeâyeerpe efceše otbieer ceQ legcnW legcnejer meercee ceW efmeceše otbieer ceQ~ ceQ oeefceveer yevevee veneR Ûeenleer Leer ceiej legceves keâeues yeeoueeW keâer keâeefueKe keâes heerÚs ÚesÌ[ efoÙee Lee~

ceefnuee efoJeme meceejesn...

Women's Day Celebrations...

Head Office

Ahmedabad Zone

uegefOeÙeevee DebÛeue

Gppewve DebÛeue

jlveeefiejer DebÛeue

neJeÌ[e DebÛeue

Kolkata Zone

New Delhi Zone

jebÛeer DebÛeue

jepemLeeve DebÛeue

hešvee DebÛeue

Bhagalpur Zone

Mumbai North Zone

YegJevesMJej DebÛeue 9

Taarangan

March 2013

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S o e u h r c T eo , n

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GheosMe H 

Gayatri Kampa Cuttack Branch Bhubeneshwar Zone

D

It’s the ICU of Pragati Nursing Home. There was silence all round, disturbed only by the occasional moans and groans of the seriously ill. And by the foot taps of nurses and doctors, moving around hurriedly. All the beds in the Unit were occupied by patients, fighting for their lives. A mesh of oxygen supply pipes and sensor cables entangled the patients in slumber lying in a semi-conscious state. Their names, clinical history and doctor’s visiting schedule could be seen in the charts dangling from their beds. Life support systems and monitors kept flickering every passing moment symbolic of the fickleness of life, captured in a few illuminated lines. There were some who needed serious monitoring in the Unit, others requiring constant medical attention and support to survive. Some were being drip fed with the IV fluid and some others, were hooked with packs of stark red blood, the body fluid of the last resort, dripping into their bodies. leejebieCe

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octors and support staff were attending to the patients. They were seen making entries in the patients’ clinical records, adjusting the flow of blood and oxygen and injecting life-saving medicines to IV fluids. The more or less, quiet ambience was becoming eerie by the whispers of doctors and nurses and the low-pitched hissing sound of medical equipments around. Dr. Pragati is lying in Bed No. 10, wondering what made her so content donating blood to the patient next to her bed. She felt no physical weakness or exhaustion. The feeling was one of contentment, as if, she had done the best thing in her life. She raised her eyes to look at the hospital calendar; it is 8th March, the International Women’s day. The cheerfulness on her face disappeared suddenly as she rued about the millions of women considered unwanted by their families and living a deserted life. As she walked down the memory lane she could see Laxmi, the maid servant, moving stiffly around the house. From her grimace, Pragati could understand what could have happened to her. Every night Pankaj, Laxmi’s husband got drunk and beat her for her hard-earned wages. Almost every other day, Pragati saw new bruises and cuts on Laxmi’s body, inflicted by her brutal husband. Pragati turned to her parents to help Laxmi out of the tragic situation. They were sympathetic and understanding. They resolved to give Laxmi a chance to take control of her life and arranged for nursing training for her. Today, Laxmi is the Head Nurse of Pragati Nursing Home, setting an example of exceptional courage and perseverance. Pragati thanked God for being kind to her and making her the luckiest girl child in the world to have parents like Dr. Ravikant and Preeti. She glanced back into the past, as deep as possible into her 22 years of life and was unable to recall even a single instance where her parents made a difference between her brother Pranjal and herself. She had not noticed any discrimination in her family, unlike her friends who often had issues to complain about. She was always proud of her parents. In their Nursing Home too, there was a special free ward for the treatment of deserted and destitute women. Pragati got up from the bed and looked at the patient in bed no.

11. All of 50 years of age but looked more like a 70 year old. He was brought to the hospital the previous night in a critical condition, unconscious and soaked in blood. He had met with a fatal accident. A car hit him from behind and sped out of the scene leaving him in a pool of blood. Luckily, a Police patrol van noticed him just in time and brought him to the trauma centre to ward off the inevitable. Pragati was the doctor on duty at that time. It was normal for her to come across patients with such or even worse conditions. But when she looked at this patient, she felt nervous and told Dr. Prabhat to attend to him. “Hello Doctor� someone gently tapped her on the shoulder, out of her thoughts. It was 1 pm in the night. It took a few seconds for her to realise that Dr. Prabhat was at the door of her cabin. “Yes Prabhat, how is the patient doing?� “Out of danger, but he needs blood immediately. His blood group is O-negative and we are out of stock in our blood bank.� Prabhat was perplexed. “That’s not a problem. I am an O-negative. Let me shed some blood� Both laughed at the out-of-the-box humour of Pragati.

coward who always ran away from the truth� Dr. Ravikant was visibly upset. Dr. Ravikant clutched her hand hard and wept inconsolably. After a while he regained control, his face was still emotionless. “It is time you should know the truth� Dr. Ravikant started. Pragati listened to her father with bated breath. “It was 22 years ago. Paresh Saran had come to my Clinic with his wife. His wife had started getting labour pain with their third child. They were already having two daughters, 2 and 4 years old. This time too they were praying for a baby boy. It was about 10.00 in the night; Sushree gave birth to a girl child again. I could see the disappointment on their faces. In my own thoughts, I left the hospital after midnight. Next morning when I came to the clinic I saw the baby girl cuddling in the cot alone with their parents to be found nowhere. I was newly married then. Preeti was doing her MBA at that time. I took the baby and put her into Preeti’s arms and told “It is our first child�. She put a full stop to her study there and became a mother.� Pragati could now see a God in her father.

Pragati looked at the blood slowly dripping into the patient’s body. He had regained consciousness and was smiling at her with blessings and gratitude in his eyes. She could see the light of life in his faint eyes.

“Doctor, Doctor ....... Police are here.� Police were back to check on the patient and make a report. Inspector Gokhle had turned up for investigation.

Dr. Ravikant entered the ICU with his wife Preeti. He was a proud father today in the knowledge that Pragati had donated blood to save a life. As he walked through the ward, he exchanged wishes with some patients and colleagues. He reached to his daughter with extended arms.

Police had already identified the vehicle involved in the incident and had arrested the driver Ganesh. Inspector Gokhle wanted some signatures from Paresh and Dr. Pragati to file a case against Ganesh, the Driver of local MLA’s son Raja. Both were together in the vehicle at the time of accident inebriated under the influence of alcohol.

“How is my little angel doing� Dr. Ravikant is elated.

Paresh was crestfallen. He looked at Ganesh, his only son who knocked him down last night and didn’t even care to see whether he was alive.

“I am fine Papa. Look, your daughter has come of age�. Pragati answered in a sweet and proud voice. Dr. Ravikant looked at the patient in bed No. 11. A strange mix of surprise and shock was visible on his face. He picked up the clip pad and looked at the patients’ detail. It read: Name Village Age Profession

: : : :

Mr. Paresh Saran Purunagarh 52 Business

Dr. Ravikant’s worst fear had come alive, the memory buried 22 years into the past flashed through his mind; he almost threw the clip pad, got up and walked out. His wife and daughter were surprised by his strange behaviour. They also came out with him. “What’s wrong papa? Why are you so annoyed?� Pragati was clueless. “Whom have you donated your blood to, Pragati? To a

After one year of deserting his third daughter in Dr. Ravikant’s clinic, his wife gave birth to a son. Paresh spent all his savings on his studies, but Ganesh had his own wanton likings. Disinterested with a responsible life, he had moved towards the darker sides of life. During this time he had befriended Raja and became his accomplice in all his misdeeds. “What an irony? A deserted daughter saved the life of his father, but the son for whom the parents deserted the daughter, almost crushed his father to deathâ€?. “Oh‌all those who kill, desert and make life miserable for a girl child, think‌.just pause and think, where would you have been if your mother too had been killed or deserted. You owe a debt to your mother, who also was a girl at some point of time; repay the debt by letting other girls survive and find their feet in this world.â€?

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Deblejje°^erÙe ieefleefJeefOeÙeeb International Activities

CMD Smt. V. R. Iyer alongwith GM (International) Shri S.K. Datta, CEEB Shri Rakesh Sethi and UK Branch Managers during her visit to London.

CMD Smt. V.R. Iyer along with CE European Branches, Shri Rakesh Sethi, GM (International) Shri S.K. Datta & other Executives during her visit to Antwerp Branch.

CMD Smt. V. R. Iyer, ED Shri N. Seshadri, GM (International) Shri S. K. Datta along with Chief Executive US Centre Shri B. B. Joshi during the customers’ meet.

ED Shri M. S. Raghavan alongwith CE Shri S.S. Banik and staff of Japan Branch during his visit to Japan.

Deputy Governor, RBI Shri Harun R. Khan, along with Chief Executive, US Centre Shri B. B. Joshi and Vice Presidents during visit of RBI Governer at New York Branch.

CE, US Centre Shri B. B. Joshi receiving the Certificate of Honour from the CEO of NHSNYC Ms. Bernell Grier accompanied by VP- Credit & AVP- Credit of New York Branch. NHSNYC has honored BOI as an inaugural member of NHSNYC International Bank Circle providing the resources to stabilize New York City neighborhood.

Congratulations Shri M. K. Gupta DGM (HR), Head Office Inducted in Editorial Board of IBA Journal, 'The Indian Banker'.

GM (International) Shri S. K. Datta along with AGM Shenzhen Branch Shri K. V. Prakash and staff members during his visit to the Shenzhen Branch P. R. China.

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Shri S.M. Shakeel Editor In-House Journal, Taarangan Nominated as Executive Member in the Governing Council of Association of Business Communicators of India (ABCI)

ieCeleb$e efoJeme

Republic Day

keâesunehegj DebÛeue

Sveyeerpeer (hetJe&) keâesuekeâelee

Goa Zone

Yeesheeue DebÛeue

uegefOeÙeevee DebÛeue

Hyderabad Zone

peceMesohegj DebÛeue

Siliguri Zone

veeiehegj-1 DebÛeue

hešvee DebÛeue

Ûeb[erieÌ{ DebÛeue 13

Taarangan

March 2013

eEÛeleve H 

Women and New ConsciousnessVoices from Within The social reform movement which began in the nineteenth century emphasized improvement of women’s status through education, restriction of child marriage, improvement in the conditions of widows and provision of property rights to Hindu widows.

S

ince then, women have come a long way in terms of their constitutional and legal equality, but the path to equality of access is still a long one. Nowadays, research in women’s history has grown to become a truly international crosscultural field.

This topic is something about a women’s journey to consciousness and it is essential to put my understanding of the subject in an experiential context. I want to tell the clinical observations of urban middle class Indian as well as Bengali women. Further, the psychological consciousness not only in women, but also in both women and men for today’s world of economic, political, ecological and more importantly spiritual crisis. Consciousness, for me, is a gradual awareness of oneself through life’s experience and the ability to know and to be truthful to this knowledge. Consciousness is vital for a meaningful life, for physical and emotional well-being. Moreover, consciousness is an experience connected to the ego. In fact, without

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the ego, we can not be conscious. Consciousness evolves and becomes more encompassing by incorporating the unknown parts of one’s nature, i.e., the unconscious. This gradual expansion of ego-consciousness is in a sense natural or instinctive. The process of becoming conscious is essential for a healthy self image which has far reaching consequences for a women’s relationship to her family, society and the world, both material and spiritual and of course, to herself. Only through self knowledge, we can learn to see ourselves within the group, the social, cultural and the economic relationships. It is true that the evolution of the 21st century women is the outcome of a complex interplay of situations and historical, social, economic and political circumstances. We are aware of who we are, not only through biology and psychology, but also by the cultural definitions and influences. As a Indian women or as a Bengali woman, for me, consciousness implies that along with my familial genes, I know that I am also connected to a long tradition of cultural history and religious mythology. My self image is

Sushmita Bal Kolkata Zone

shaped by all these conditions and this knowledge is essential for me to know who am I, in my own eyes as well as in the eyes of the society. Otherwise, I shall live unconsciously and may be guided by certain unconscious tendencies which are puzzling and may even be destructive to others and to myself. I was brought up in a middle class Bengali joint family and when I talk about consciousness of women, I talk about women of my class and social background. Being a life long lover of literature, I am always searching for human element in every day life and is looking for a connection between intellectual learning and emotional self. Am I emotionally satisfied with my profession ? The career is the most rewarding for me and at the same time painful time of my life. This pain is the pain of knowing oneself, knowing those parts of the self which are carefully pushed aside and repressed. There is no choice but to open the doors to this dark recess of my psyche. And, I am paying heavily in terms of my position in the family and society and outside world in a bigger sense.

Certain pertinent questions need to be answered at this stage. Women after find the double burden of housekeeping and outdoor employment, too much of a strain on themselves. It is because, traditionally oriented as most of them are, they desire to give privacy to their role as mothers and wives? Further, the women’s negative self image in itself becomes a major barrier to their self-improvement. From my own experience, I know it is possible to recover it, albeit with great amount of pain and suffering. And, ultimately I obey a bigger authority, my self, my divine self, my destiny. In the process, I have also learned that ego must follow the inner authority and respect the life’s events which pose the necessary challenge to ego for the eventual surrender to the self. “The increase in number of women leaders is a welcome trend. Typically,

e

om c l e W

Shri R.M. Prasad

women tend to sacrifice their careers over family. This is the single biggest deterrent for Indian working women to scale the corporate ladder� says E Balaji, CEO Randstad India. It reveals the fact that Indian women have become more career minded and have more social support then before. It is true that economic necessity in the urban middle class is undeniable. But, the awareness of anything within themselves is strongly resisted. It is easier to blame the outer world for their problems and troubles. These women suffer from psychosomatic symptoms and severe neurosis, the underlying motivation of which is often an intense need for attention from their husbands or other members in the family. Unfortunately, one can never be a compensation for the other. Compared to the poor and rural sisters, the educated women of the urban middle class Indian women have gained considerable economic

security. But, they have lost something that perhaps the poor women in the villages of India still possess – a sense of connection to their land and people. After achieving all these legal, economic and political rights, modern women still are unhappy‌..Why? It is my belief that all these feminist movements really want to achieve not only liberation from patriarchal oppression but a deliverance from their inner sense which rules from inside. To reach this consciousness, every woman is having her own experience of this painful journey. It is a gradual expansion of one’s personality through knowing about oneself in both conscious and unconscious dimensions. Only then a woman realizes her place in the family, society and the world at large. Attaining this consciousness is vital not only for our own psychological well-being but also for the survival of our own civilization.

New General Managers

Shri M.D. Vernekar

Shri M.B. Dhodia Shri Anil Kumar Bhalla Shri V.G. Kamath

Happy Retirement to General Managers Shri Girish Chandra Tewari

Shri Ambika Prasad Mohanty

Shri Prabhulal Keshavji Tataria Shri V. V. Agnihotri Shri Dina Bandhu Mohapatra

Shri Gopal Murli Bhagat

Shri Sushil Kumar

Shri M. D. Vernekar

15

Taarangan

March 2013

o=ef°keâesCe H ď –ď ‰ď …ď —ď€ ď ?ď ?ď ‰ď Žď ”

Empowerment of Women? Sandhya Bhargavan Kerala Zone

Dear Reader, please do not get judgmental on the contents of the topic on reading the title. This is not another literature or theory on how to empower the women of this world, simply because the author of this article believes that she like every other women is inprinciple empowered, by birth. I’ll tell you why‌‌‌.

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oman is the chosen one by GOD, made capable of bringing to world – LIFE and by virtue of what you just read, makes her a Naturalist and therefore, there is nothing compared to mother’s love, affection, compassion, sincerity, intelligence, hardwork & wrath. We all know that even Lord Shiva is petrified by the anger of Goddess Parvati and the Goddess does not blow her top unreasonably. Moreover, women are intuitive which makes them judge situations and handle circumstances pretty well. They are not just fabulous at kitchen chores, but they are a perfect blend of career, home, family & finance‌WOW what multi-taskers and achievers, aren’t they? Woman are omnipresent and have excelled in all spheres of life, be it sports, arts, science, commerce, mountaineering, engineering etc. to name a few. The only thing that makes the woman called the “weaker genderâ€? is the lack of physical strength as compared to the male clan. So what ladies? build some strength and stamina by working out to keep fit. Learn, kung-fu, karate and kalaripayatu to make up the natural lack. What we need to be proud of is that we are blessed with strong minds, will power and determination in abundance. There is nothing that can stall our progress in society, there could be hiccups. However, overcoming the same is the essence of life. Be a fighter, gracefully accept failures, it will make us stronger and wiser. There is no dearth of sadistic people in this world who like thorns, will prick you at every given opportunity and will enjoy your sorrow. Remember to keep going strong, despite all odds as the saying goes “when the going gets tough, the tough get goingâ€? and all those who experienced sadistic pleasure at your cost will then be left sad and without any pleasure!!! Its just a matter of time. Just believe in “Karmaâ€? and put your best foot forth. Women have leapfrogged and are much ahead of their counterparts on many fronts. With women already being empowered with so many qualities, do we stilI need to be talking of women empowerment? May be yes, only for those women who haven’t realized it yet ! So, ladies lets keep doing our bit to bring equality among genders in society. I feel proud to be born a woman and Salute to all men who believe women are their equals, and for all those who believe otherwise, its because of the following :W - Women O - omnipotent M - men E - envious N - naturally !!! As for decades, it was the men who wore the pants in the house, now it’s the woman! Times are changing and we must adapt to changes and welcome the change in leadership with warmth and pride.

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eEÛeleve-DevegeEÛeleve

JesoeW ceW veejer keâe cenlJe

Dee

pe Ă™eefo nce eEĂ›eleve keâjW lees meceepe Skeâ pebieue mee yevelee pee jne nw. MeefkeäleMeeueer keâe jepe nw, keâcepeesj HeerefĂŒ[le nw, vĂ™eeĂ™e JĂ™eJemLee HetbpeerHeefleĂ™eeW Deewj meòeeOeeefjĂ™eeW keâer neLe keâer keâ"Hegleueer yeveleer pee jner nw. nj JĂ™eefkeäle kesâJeue DeHeveer mJeeLe& efmeefĂŚ ceW ueiee ngDee nw. Ssmes meceepe ceW m$eer keâer Yetefcekeâe Skeâ GHeYeesie keâer Jemleg keâer nesleer pee jner nw. veejer GlLeeve, veejer mJeleb$elee Deewj meceepe ceW m$eer keâes yejeyejer keâe opee& efoueeves kesâ veece Hej kesâJeue m$eer keâes "iee pee jne nw. m$eer keâer meceepe ceW Fme oMee keâe oes<e Dekeämej HetJe& mLeeefHele HejbHejeDeeW Deewj nceejer mebmke=âefle keâes efoĂ™ee peelee nw. Fmes efJeĂŒ[byevee keânW Ă™ee nceeje ogYee&iĂ™e efkeâ nceW DeHeveer mebmke=âefle keâe ner %eeve veneR nQ. Deepe nce peneb m$eer keâes yejeyejer keâe opee& efoueeves keâer yeele keâjles nQ, Gme YeejleJe<e& ceW ncesMee mes m$eer keâe keâo Heg¤<e mes GbĂ›ee jne nw, m$eer keâes ncesMee nj lejn mes Ă&#x;es‌ ceevee ieĂ™ee nw. nceejs Fefleneme ceW jeveer keâes ncesMee jepee kesâ meeLe Jeeues eEmenemeve Hej efye"eĂ™ee peelee Lee, m$eer keâes DeHevee Jej Ă›egveves keâe DeefOekeâej Lee, efm$eĂ™eeW keâes Yeer nefLeĂ™eej Ă›eueevee, IegĂŒ[meJeejer FlĂ™eeefo efmeKeeĂ™ee peelee Lee. nceejs Oece&ÂŤebLeeW ceW m$eer keâes Heg¤<eeW mes Ă&#x;es‌ yeleeĂ™ee ieĂ™ee nw. Jeso Yeer veejer keâes DelĂ™eble cenlJeHetCe&, ieefjceeceĂ™e, GÛÛe mLeeve øeoeve keâjles nQ. JesoeW ceW efm$eĂ™eeW keâer efMe#ee-oer#ee, Meerue-iegCe, keâle&JĂ™eDeefOekeâej Deewj meeceeefpekeâ Yetefcekeâe keâe pees megboj JeCe&ve efkeâĂ™ee ieĂ™ee nw Jewmee mebmeej kesâ DevĂ™e efkeâmeer Oece&ÂŤebLe ceW veneR nw. Jeso GvnW Iej keâer meeceĂźe%eer keânles nQ Deewj osMe keâer Meemekeâ, He=LJeer keâer meeceĂźe%eer lekeâ yeveves keâe DeefOekeâej osles nQ. JesoeW ceW m$eer keâes Ă™e%eerĂ™e DeLee&le Ă™e%e meceeve HetpeveerĂ™e, %eeve osves Jeeueer leLee megKe mece=efĂŚ ueeves Jeeueer, efJeMes<e lespe Jeeueer, osJeer, efJeog<eer, mejmJeleer, FbĂľeCeer Deeefo Deveskeâ Deeoj metĂ›ekeâ veece efoS ieS

nQ. JesoeW ceW efm$eĂ™eeW Hej efkeâmeer øekeâej keâe øeefleyebOe veneR nw Gmes meoe efJepeefĂ™eveer keâne ieĂ™ee nw leLee nj keâeĂ™e& ceW Gvekesâ menĂ™eesie Deewj øeeslmeenve keâer yeele keâner ieF& nw. Jewefokeâ keâeue ceW veejer DeOĂ™eĂ™eve kesâ meeLe ceW jCe#es$e ceW Yeer peeleer Leer, FmeceW jeveer kewâkesâĂ™eer keâe GoenjCe meJe&efJeefole nw. JesoeW ceW ner keâvĂ™ee keâes DeHevee Heefle mJeĂ™eb Ă›egveves keâe DeefOekeâej oskeâj HegÂŽ<e mes Skeâ keâoce Deeies jKee ieĂ™ee nw. JesoeW ceW veejer kesâ mJe¤He keâer Peuekeâ Fve ceb$eeW ceW osKeer pee mekeâleer nw. Ă™epegJes&o 209 — m$eer Deewj Heg¤<e oesveeW keâes Meemekeâ Ă›egves peeves keâe meceeve DeefOekeâej nw. Ă™epegJes&o 1745 — efm$eĂ™eeW keâer Yeer mesvee nes. efm$eĂ™eeW keâes Ă™egĂŚ ceW Yeeie uesves kesâ efueS øeeslmeeefnle keâjW. Ă™epegJes&o 1026 — MeemekeâeW keâer efm$eĂ™eeb, DevĂ™eeWb keâes jepeveerefle keâer efMe#ee oW. pewmes jepee ueesieeW keâe vĂ™eeĂ™e keâjles nQ Jewmes ner jeveer Yeer vĂ™eeĂ™e keâjves Jeeueer neW. Ă™epegJes&o 1118.5 — yeÇnceĂ›eĂ™e& metkeäle kesâ Fme ceb$e ceW keâvĂ™eeDeeW kesâ efueS Yeer yeÇnceĂ›eĂ™e& Deewj efMe#ee ÂŤenCe keâjves kesâ yeeo ner efJeJeen kesâ Ă™eesiĂ™e yeleeĂ™ee ieĂ™ee nw. Fve metkeäleeW ceW ueĂŒ[keâeW kesâ meceeve ner keâvĂ™eeDeeW keâer efMe#ee keâes DeeJeMĂ™ekeâ yeleeĂ™ee ieĂ™ee nw. DeLeJe&Jeso 146.1 — ceeleeefHelee keâvĂ™ee keâes Heefle kesâ Iej peeles meceĂ™e yegefĂŚceòee Deewj efJeĂ…ee onspe kesâ ¤He ceW oW. DeLeJe&Jeso 1420.1 — ns Helveer! nceW %eeve keâe GHeosMe keâj. DeLeJe&Jeso 73.46 — Heefle keâes mebHeefòe keâceeves kesâ lejerkesâ yelee. mebleeveeW keâes Heeueves Jeeueer, %eeve Jeeueer, menm$eeW mlegefle Jeeueer Deewj Ă›eejeW Deewj øeYeeJe ĂŒ[eueves Jeeueer m$eer, ns megĂ™eesiĂ™e Heefle keâer Helveer, DeHeves Heefle keâes mebHeefòe kesâ efueS Deeies yeĂŒ{eDees. DeLeJe&Jeso 1117.1 — efm$eĂ™eeb HetpeveerĂ™e nQ, Ă™es øepee, HeMeg Deewj Devve osleer nQ. DeLeJe&Jeso 1225.1 — ns ceele=Yetefce! keâvĂ™eeDeeW ceW pees lespe neslee nw, Jen nceW oes. DeLeJe&Jeso 1471.2 — ns Helveer, ceQ %eeveJeeve ntb, let Yeer %eeveJeleer nw, ceQ meeceJeso ntb lees let $e+ieJeso nw.

keâefJelee cesIeeveer Yeesheeue DebĂ›eue DeLeJe&Jeso 752.3.12 — meYee Deewj meefceefle ceW pee keâj efm$eĂ™eeb Yeeie ueW Deewj DeHeves efJeĂ›eej øekeâť keâjW. $e+ieJeso 31.31 — $e+iJeso Heg$e keâer Yeebefle Heg$eer Yeer DeHeves efHelee keâer mebHeefòe ceW meceeve ¤He mes GòejeefOekeâejer nw. $e+iJeso kesâ keâF& metkeäle G<ee keâe osJelee kesâ ¤He ceW JeCe&ve keâjles nQ Deewj Fme G<ee keâes Skeâ DeeoMe& m$eer kesâ ¤He ceW ceevee ieĂ™ee nw. ke=âHeĂ™ee Heb Ă&#x;eerHeeo oeceesoj meeleJeueskeâj Éeje efueefKele G<ee osJelee, $e+iJeso keâe megyeesOe Yee<Ă™e osKeW. meejebMe (He= 121, 147 ) — 1. efm$eĂ™eeb Jeerj neW. (He= 122, 128) 2. efm$eĂ™eeb megefJe%e neW. (He= 122) 3. efm$eĂ™eeb Ă™eMemJeer neW. (He= 123) 4. efm$eĂ™eeb jLe Hej meJeejer keâjW. (He= 123) 5. efm$eĂ™eeb efJeog<eer neW. (He= 123) 6. efm$eĂ™eeb mebHeoe Meeueer Deewj OeveeĂŒ{dĂ™e neW. (He= 125) 7. efm$eĂ™eeb yegefĂŚceleer Deewj %eeveJeleer neW. (He= 126) 8. efm$eĂ™eeb HeefjJeej, meceepe keâer j#ekeâ neW Deewj mesvee ceW peeSb. (He= 134, 136) 9. efm$eĂ™eeb lespeesceĂ™eer neW. (He= 137) Gkeäle ceb$e SJeb metkeäle lees kesâJeue kegâĂš GoenjCe cee$e nw leLee Ă™en kesâJeue JesoeW keâer JeeCeer veneR nw, efm$eĂ™eeW keâes Ă™es HetCe& DeefOekeâej øeeHle Yeer Les. Deepe meJe&øeLece Fme yeele Hej cebLeve DeeJeMĂ™ekeâ nw efkeâ Ă™eefo nceeje Fefleneme Flevee mJeefCe&ce jne nw lees Deepe m$eer Hej Fleves øeefleyebOe keäĂ™eeW? keäĂ™eeW Deepe m$eer osMe keâer j#ee kesâ efueS mesvee ceW ueĂŒ[vee Ă›eenles ngS Yeer nceejer vĂ™eeĂ™e JĂ™eJemLee kesâ efveCe&Ă™e keâer jen osKe jner nw? Ă™eefo m$eer keâes HetJe& mes ner efHelee keâer mebHeefòe ceW GllejeefOekeâej øeeHle nw lees keäĂ™eeW Deepe Jees vĂ™eeĂ™eHeeefuekeâe kesâ Hewâmeues keâer ceesnleepe nw? keäĂ™eeW ueĂŒ[efkeâĂ™eeW mes Jej Ă›egveves keâe DeefOekeâej Ăšerve GvnW efJeJeen kesâ efueS Skeâ Hegleues keâer lejn mepee Oepee keâj øemlegle efkeâĂ™ee peelee nw? efpeme efMe#ee keâes nceejs Jeso m$eer keâe DeefOekeâej yeleeles nQ Deepe keäĂ™eeW Jees Gmemes JebefĂ›ele nw? Deepe nceW Ă™en eEĂ›eleve keâjvee nesiee efkeâ meceepe keâe efJekeâeme nes jne nw Ă™ee DeeOegefvekeâlee kesâ veece Hej nceW HeerĂšs KeeRĂ›ee pee jne nw. 17

Taarangan

March 2013

efMe#eCe-ØeefMe#eCe H 

CMD Smt. V.R. Iyer, ED Shri N. Seshadri, GM (RMD) Shri M.A. Alam, GM (L&D, RM, CASA) Shri Debashish Chakraborty, DGM (L&D) Shri Rakesh Sinha, DGM & Principal Shri B.V. Upadhye along with other staff members and participants during the visit of Newly recruited DROs at Head Office.

DGM & Principal, MDI Shri B.V. Upadhye welcoming CMD Smt. V.R. Iyer. On dias from (R to L) CMD Smt. V.R. Iyer, ED Shri N. Seshadri, GM (SME) Shri G.B. Kakade, GM (L&D, RM, CASA) Shri Debashish Chakraborty during Workshop for Sensitization of AGMs for Credit at MDI. Participants during the programme (Inset photo).

ED Shri B.P. Sharma, GM (L&D, RM, CASA) Shri Debashish Chakraborty, DGM (L&D) Shri Rakesh Sinha, DGM & Principal Shri B.V. Upadhye along with other staff members and participants during the visit of Newly recruited DROs at Head Office.

GM (L&D, RM, CASA) Shri Debashish Chakraborty, DGM (L&D) Shri Rakesh Sinha, CM and faculty Shri V.P. Srivastava and Shri Gajanand Mhaskar along with other staff members and participants during sub-staffs training at Head Office.

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STC Bhopal organized a Special Training Programme for Woman Officers. GM NBG (C) Shri R.A. Sankara Narayanan, ZM Bhopal Shri Rajiv Gupta, Faculty members of STC and Participants.

ieefleefJeefOeÙeeb

ACTIVITIES

Dece=lemej DebÛeue ceW cepeer"e ceb[er MeeKee kesâ veÙes heefjmej ceW mLeeveeblejCe keâjves kesâ DeJemej hej ce.Øe. Sveyeerpeer (Gòej) ßeer ieewjerMebkeâj, Deeb.Øe. Devethe meto SJeb Ghe Deeb.Øe. ßeer Sme.[er. Mecee& SJeb DevÙe DeefOekeâejerieCe.

Lucknow Zone – BOI Loan Mahotsava 2013 was organized at Hardoi during which variety of loans were disbursed. DM (Hardoi) Shri Anil Kumar inaugurated Mahotsava in presence of CDO Shri A.K. Dwivedi, ZM Shri Vikas Pande, DZM Shri Sunil K. Vohra.

ueKeveT DebÛeue, ueesefnÙee «eece GefOeÙee Éeje DeeÙeseefpele `$e+Ce efJelejCe meceejesn' kesâ oewjeve «eeceJeeefmeÙeesb keâes mebyeesefOele keâjleer ngF& efpeuee ceefpemš^sš, yeejeyebkeâer ßeerceleer efceefvemleer Sme (DeeF&.S.Sme.). (cebÛe Hej) — øecegKe meefÛeJe, mebmLeeiele efJelle, Gòej øeosMe mejkeâej ßeer DeJeveerMe DeJemLeer (DeeF&.S.Sme.), Deeb.øe. ßeer efJekeâeme Heeb[s SJeb GHe Deeb.øe. ßeer Sme. kesâ. Jeesnje.

Ludhiana Zone – ZM Shri Anant Upadhyay being felicitated by Kisan Club functionaries during Agriculture Kisan Club meet at Ludhiana.

JeejeCemeer DebÛeue ceW DeeÙeesefpele efkeâmeeve cesues kesâ GodIeešve DeJemej hej Deeb.Øe. ßeer DeefceleeYe jmleesieer, ceeveveerÙe meebmeo ßeer jeceefkeâMegve ÙeeoJe, ceg.Øe. ßeer Jeer.kesâ. ßeerJeemleJe, Jeefj.Øe. ßeer Deej.meer. ceewÙe&.

Rajasthan Zone – BOI Team Jodhpur during a Mini-Marathon organized by IIT Jodhpur under their Annual Sports EventVARCHAS 2013.

jepemLeeve DebÛeue ceW Deeb.øe. ßeer efveefKeuesMe Yeeie&Je ‘Deešes $e+Ce’ kesâ Skeâ «eenkeâ keâes Ûeeyeer meeQHeves kesâ DeJemej hej mšeHeâ DeefOekeâeefjÙeesb kesâ meeLe.

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Taarangan

March 2013

vesMeveue yeQeEkeâie mecetn (Gòej) O National Banking Group (North)

uegefOeÙeevee DebÛeue ceW ce.øe. («eeceerCe) ßeer Sve.meer. Keguyew ke=âef<e keâejesyeej keâer meceer#ee keâjles ngS. meeLe ceW Deeb.øe. ßeer Deveble GHeeOÙesÙe SJeb DevÙe DeefOekeâejerieCe.

meHeâue ceefnueeSb H ď —ď ?ď ?ď …ď Žď€ ď ď ƒď ˆď ‰ď …ď –ď …ď ’ď “

Women Leaders in

Banking

I

Charu Anand Amritsar Zone

ndian Banking system has not only made rapid strides in network expansion but it itself has undergone a complete and never-dreamt of transformation in its very avowed objectives, approaches, and scale of operations. Technology has indeed played a significant role in this sea-change. Class banking yielded place to mass banking. The phenomenal growth of banks has created massive employment opportunities for the educated unemployed youths of our nation. The women job-seekers find jobs in banks more attractive and more suitable to their nature. Today not only in public sector or private sector banks but even in new generation banks, women are playing very significant role. According to a study by Standard Chartered Bank about women on corporate boards in India, the financial sector performs best in terms of gender diversity, nine of the eleven banks listed on BSE-100 have a woman on their board and two of these banks have a female CEO. Reserve Bank of India had two women Deputy Governors on board, Smt. Usha Thorat and Smt. Shyamala Gopinath. The trend of women on top in banking sector was first set by Smt. Homai Daruwalla who was the Chairperson and Managing Director of Central Bank from 2005 before retiring in the year 2008. ICICI Bank, India’s second largest bank after State Bank of India, is headed by a woman, Smt. Chanda Kochhar. India’s largest housing finance group has Smt. Renu Sud Karnad as its Managing Director. Smt. Kalpana Morparia heads the Indian Arm of Global Financial Leviathan J.P. Morgan Chase & Co. Smt. Meera Sanyal is the Country Executive for Royal Bank of Scotland and Smt. Manisha Girotis was the Managing Director of Union Bank of Switzerland‘s India operations. Apart from it, Smt. Vijayalakshmi R. Iyer is the CMD of our Bank i.e. Bank of India. Two banks headquartered in West Bengal have also women CMDs with Smt. Archana Bhargava, of United Bank of India and Smt. Shubhalakshmi Panse of Allahabad Bank. Smt. Nupur Mitra was also the Chairperson and Managing Director of Dena Bank. Another lady, Smt. Chitra Ramkrishna will become the NSE’s first and India’s second woman to head a stock exchange on April 1, 2013. Smt. Deena Mehta was the first woman when she headed Bombay Stock Exchange (BSE) for two months way back in 2001. There seems to be an upward trend in India when it comes to women in banking. India was ranked 127th out of 136 nations by the Global Economic Forum in terms of female economic opportunity. According to a survey by International Executive Research Firm, EMA Partners International, around 11% of Indian companies have women CEOs, However, a striking 54% of those women are in the financial sector. In the backdrop of the Fortune 500 numbers, the Indian results certainly look a lot better, though on a standalone basis, it is clear that barring financial services, other industries have a long way to catch up,� EMA Partners Chairman Mr. James Douglas said in the survey. Thus, the success of women in Indian banking is a great example of how gender equality and advancement is achievable through empowering females in the workforce. These top women bankers are not only the inspiration for young Indian girls, but for the women across world.

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yeQeEkeâie H 

Niyati Gadit Kolkata LCB

2013

Every New Year begins with desire to overcome difficulties of previous year and face the bright future. For this, one has to overcome the weaknesses and convert the threats into opportunities. Presently, Indian Economy is faced with many challenges. This is because backbone of economy i.e. Banking Industry is faced with many challenges. However, Banking Industry by judiciously applying its resources may be able to convert the challenges into opportunities for growth.

Year of Threat and Opportunities for Banking Sector S

ome of the major challenges which the sector has to overcome in the current year are –

• • • • •

Increasing Competition both in Deposits and Advance Asset quality related challenges High interest rate regime and declining net interest margin Need for compliance with Basel III High retirement

Increasing Competition both in Deposits and Advance Earlier there were few banks and limited competition. But Banks are now facing a lot of competition. The competition is likely to increase with entry of new private Banks in the industry. Further, the competition is not limited among banks. At time of acquiring deposits Banks face competition from mutual funds, insurance companies, equity markets, bullion market and even real estate. Now the corporate also issue Commercial Paper. As various alternative modes of investments are available to customers, they prefer to make investments which suit their needs. They are no more satisfied with plain vanilla

interest bearing deposit. They need high returns, flexibility of withdrawal, tax benefits and security. But Banks have gradually been able to convert this business threat into opportunity to earn fee based income. Banks are participating in JVs and floating subsidiaries which provide various types of insurance products. Banks with its strong branch network and large customer base are cross selling mutual funds and gold coins. They are also providing demat and brokerage services through tie-up arrangements. Similarly, to avail finance, customers have various sources like Housing Finance companies for housing loans, NBFCs for vehicle loans and gold loan companies for finance against gold. In addition to banks, Large Borrowers can also approach Financial Institutions, Private Equity Investors for financing their projects. They can also approach capital markets or International markets to fund their needs by way of GDR/FCCBs. Banks are now providing tailor made products to suit the need of the borrowers. To aid large borrowers, banks are extensively providing project finance and syndication services. This boosts banks fee based income also.

Asset quality related challenges Due to various challenges faced by the domestic and international economy, the performance of corporate is being affected which is in turn impacting their capacity to meet their commitments in timely manner. Hence, companies are approaching Banks to restructure their loans or reduce interest rates. This is resulting in deterioration in asset quality and increase provision burden.

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Banks with their expertise are helping entrepreneurs to overcome troubled times.

Declining Net Interest Margin (NIM) Due to inflationary trend and liquidity position, interest rates continue to be high. Further, due to industry position the Banks are unable to charge higher interest from their customers. This is resulting in decrease in NIM of Banks. Profits are further reduced as a result of provisions for NPAs and restructured advances. However, Banks are taking measures to increase fee based income and improve operational efficiency to maintain healthy bottomline.

High retirement Banks are witnessing high retirement since last few years which is likely to continue for next few years. Banking is a science and art of delivering effective and efficient service after necessary due diligence. This requires expertise and experience. Hence filling the vacuum created as a result of retirement in large number of experienced personnel is a big challenge for the Banks.

As per RBI guidelines the Banks have to comply with Basel III norms which require banks to have higher capital adequacy.

Hence, banks are now recruiting officers in large numbers by selecting candidates through IBPS, participating in campus programmes of engineering colleges, management schools and professional institutes. The new recruits are being trained under guidance of experienced personnel’s so that new DROs prove to be successful bankers of tomorrow.

To meet this need, the PSU banks have approached their major shareholder i.e. Government of India to infuse additional capital. It is estimated that by March 2018 GOI will have to infuse about `12,000 Crores. GOI has already started the process to infuse additional funds to strengthen the banks.

Our Bank is also faced with these challenges in the year ahead. However, our bank with its large domestic and international branches, diverse customer base, dynamic management and blend of experienced and young human capital is likely to overcome the challenges in 2013.

Need for compliance with Basel III

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ACTIVITIES

vesMeveue yeQeEkeâie mecetn (oef#eCe) O National Banking Group (South)

CMD Smt. V.R. Iyer with the Ladies staff members of Coimbatore Zone.

Hyderabad Zone, A.P. Police Academy Branch, Br Manager Smt. Kavitha Prakash receiving award from Rangareddy District Collector Smt. A. Vani Prasad in recognition of opening accounts under National Child Labor Project.

Kerala Zone, Br. Mgr. Palghat branch felicitating Ms. Aishwarya who availed loan from our branch for B.tech and secured first rank in B.tech (IT) from University of Calicut.

Karnataka Zone, Kuvempunagar Branch staff members with the students of Pramati Hill View Academy School located in Mysore. The Branch conducted ‘quiz competition’ for the students of 6th to 8th class.

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Credit Card Fraud

What is Electronic Payment Fraud?

Phishing –

Electronic Payment Fraud consists of various kinds. Such as –

peeie¤keâlee H ď ď —ď ď ’ď …ď Žď …ď “ď “

Rini Sarkar ITES Department Head Office card to be sent to his new mailing address. The card is sent to that bogus address, the fraudster will quickly make purchases and withdrawals before destroying the card and leave no trail behind. Carelessness of the Card holder and Sophistication of the Fraudster is the reason for such Frauds taking place.

Most financial (debit/ credit card, banking) hack attacks start with phishing. It’s a ploy to trick unsuspecting bank customers into revealing their bank details. The fraudster steals the victim’s personal information by sending out e-mails that appear to have originated from the financial institutions or banks. Such emails pretends that the user needs to urgently update or validate his account information after clicking on the link which leads the victim to a bogus or fraudulent website that looks like the original bank’s website. The information sought usually includes data such as date of birth, bank account number, credit/debit card number and card expiry date (details which is usually required for on-line transactions). Once the victim fills in the details the fraudster comes in possession of the data which he uses for such frauds.

Not to Share Personal Details – A Major reason for Credit Card fraud is Identity Theft. Sharing simple information about oneself such as, date of birth, address or even vehicle registration number with strangers can lead to Identity Theft. Fraudsters are using the personal details to Loot.

Credit card Cloning or Skimming devices –

Register for Mobile Alerts – This will send the Customer a Mobile Alert at the time of transaction.

The most common frauds are when the card details are cloned or duplicated. It can happen at ATMs or POS/EDC machines when the customer swipes the card. The data is duplicated and the fraudster gets a new card made. Another problem is when the credit card CVV number get copied in online transactions.. this also happens when the card is swiped at POS at stores. In India, Electronic Payment Frauds are on the rise. As per the RBI data, during 2011-12 banks received 14,492 complaints regarding Card transactions. As per the latest data available, in the last 2 months Transactions worth 30 Crore have been carried out using stolen credit cards.

How it is done? There have been several examples of an outdoor sale executive approach where people at shopping malls or market are asked for basic personal details like date of birth or address or mobile number on the pretext of some Lucky draw or Holiday deal. The outdoor sales executive might not be a part of the Fraud, but the information which he gathers is collected in some telemarketing agency which maintains a data bank of customers. Some unscrupulous employees at the agency often part with such data bank to earn a quick buck, without realizing the consequences. Once the data reaches a fraudster, he contacts the Bank’s customer care for change in address. The executives at the customer care will crosscheck the customer’s identity with date of birth or current address which the Fraudster already has. After a few days of the change in address, the Fraudster will report a missing Credit Card and ask for a new

Prevention for Card holders –

Never Respond to Fake e-mails – Never respond to emails which ask for your personal details or account number or PINs or Passwords Frequently Change Passwords – One must change his Net banking and Card Password regularly.

Access Bank Site – One must access bank’s site through properly typing its website instead of clicking on links. Clearing Browsing Cache – After operating your Net Banking or using your Card always clear your Browsing cache. Avoid Using Net banking at Cyber Cafes or Shared PCs. Use Virtual Keyboard to key password. Strong Passwords – Passwords must be of both alphabets and digits inorder to make it strong.

Prevention for Banks – Chip Based EMV Cards – As stated by Shri A.P. Hota (MD – NPCI) it is time for the Banks to move from Magnetic Strip Based cards to Chip based EMV (Europay Master Card and Visa) Cards, as they are difficult to clone. To be More Vigilant – Banks need to be more vigilant and alert the customers in case of high value transactions. Replacement Card – The banks can issue a new card as soon as a customer returns from a foreign trip. The After Effect – Card frauds is greatly imparing the RBI effort to popularize e-pay amongst the people. Recently, RBI suggested banks to disincentive usage of cheques. RBI suggested measure such as setting limits, levying charges on issue of cheque books to account holders or levying charges on usage of cheques, both by the issuer and the beneficiary. However, given that frauds still happen, is this shift feasible or even desirable?

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ACTIVITIES

vesMeveue yeQeEkeâie mecetn (hetJe&) O National Banking Group (East)

jebÛeer DebÛeue ceW DevegmetefÛele peeefle/peve peeefle DeeÙeesie kesâ GÛÛe DeefOekeâeefjÙeesb keâe DeefYeJeeove keâjles ngS ce.øe. (cee.meb.) ßeer S.Heer.Iegieue meeLe ceW, Deeb.øe. ßeer lejueesÛeve eEmen, GHe Deeb.øe. ßeer Depeerle eEmen Deef$e.

jebÛeer ceW DeeÙeesefpele cesiee $e+Ce efJelejCe efMeefJej men efJekeâeme cesuee ceW PeejKeb[ kesâ ceeveveerÙe jepÙeHeeue [e@. mewÙÙeo Denceo SJeb Deeb.øe. ßeer lejueesÛeve eEmen, yeeleÛeerle keâjles ngS. meeLe ceW, meebmeo ßeer megyeesOe keâeble meneÙe.

Patna Zone, ZM Shri Kulbhushan Jain and DZM Shri R.N. Lal presenting cheque to NGO “Friends of Tribal Society” as a part of Bank’s CSR initiative.

RBI Regional Director Shri P. K. Jena and ZM Shri Kulbhushan Jain during inauguration of 1st coin vending machine of Patna Zone at Patna Main Branch.

Dhanbad Zone ZM Shri S. Palanivel inaugurating a Mega Property Fair organized by Albela Events & Marketing at Dhanbad.

Yeeieuehegj DebÛeue ceW efyenej SJeb PeejKeC[ jepÙe kesâ DebÛeueesb kesâ yeerÛe DeeÙeesefpele peer.Sce. keâHe ceW ‘øeLece mLeeve' Deeves Hej jerpeveue ns[, efyenej Sb[ PeejKeC[, meg[ueeFHeâ ßeer efJeJeskeâ keâMÙeHe, DebÛeue kesâ G.ce.øe. SJeb Deeb.øe. ßeer S.kesâ. efmevne keâes peer.Sce. keâHe oskeâj mecceeefvele keâjles ngS.

cegpeHeäHeâjHegj DebÛeue ceW DeeÙeesefpele ‘Dee@šes SkeämHees’ ceW Deeb.øe. ßeer pes.kesâ. ßeerJeemleJe, ßeerceleer veerjpee ßeerJeemleJe SJeb DevÙe DeefOekeâejerieCe SJeb Gvekesâ HeefjJeej kesâ meomÙe.

cegpeHeäHeâjHegj DebÛeue ceW efueefHekeâesb kesâ efueS DeeÙeesefpele Fb[keäMeve øeefMe#eCe kesâ DeJemej Hej Deeb.øe. ßeer pes.kesâ. ßeerJeemleJe SJeb DevÙe DeefOekeâejerieCe SJeb øeefleYeeieerieCe.

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ieefleefJeefOeÙeeb

ACTIVITIES Bhubneshwar Zone DZM Shri A.K. Mishra inaugurating Rice Mill unit at Chandeswar, Tangi in the name of Sri Jagannath Rice Mill financed to boost up the SME sector.

yeeskeâejes DebÛeue, efmeJeve[ern MeeKee ceW DeeÙeesefpele Je=no $e+Ce efMeefJej keâe GodIeešve keâjles ngS Deeb.øe. ßeer efMeefMej Ûebõ efceße, GHe efJekeâeme DeeÙegkeäle ßeer ßeerjece efleJeejer SJeb DevÙe DeefOekeâejerieCe.

yeeskeâjes DebÛeue ceW mšej mJejespeieej øeefMe#eCe mebmLeeve, yeeskeâejes keâe GodIeešve keâjles ngS efpeuee GHeeÙegkeäle (DeeFSSme) ßeer DejJee jepekeâceue. meeLe ceW, Deeb.øe. ßeer Sme.meer.efceßee, GHe Deeb.øe. ßeer Sue.pes.kesâ.Sve. MeenosJe.

peceMesoHegj DebÛeue kesâ šsuekeâes šeTve MeeKee Éeje DeeÙeesefpele keâemee kesbâHe kesâ oewjeve «eenkeâesb keâes peevekeâejer osles ngS yeQkeâ kesâ DeefOekeâejerieCe.

Siliguri Zone, Rangdhamali Branch, Br. Mgr. Smt. Sampa Nandi handing over Credit Advise to Ms. Shila Mandal nominee of Late Ila Mandal being Claim Settlement of SUD LIFE POLICY.

Guwahati Zone ZM Shri Sudipta Kumar Mukherjee handing over the keys of Bus to a Women beneficiary during Loan Mela arranged by Zone.

Guwahati Zone, Silchar Branch Branch Manager Shri Satyajit Roy and Marketing Executive, Ms. Moushumi Singha handing over the keys of CASE-770(4WD)SD, Backhoe-loader (Earth Mover) to the Customer.

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vesMeveue yeQeEkeâie mecetn (hetJe&) O National Banking Group (East)

YegJevesMJej DebÛeue ceW veS Yeleer& efueefHekeâesb keâer jepeYee<ee keâeÙe&Meeuee ceW efJeceesefÛele ueIeg MeyoeJeueer kesâ meeLe Deeb.øe. ßeer megjsMe Ûebõ <ebÌ[ieer, GHe Deeb.øe. ßeer Decejkeâeble efceßee, Jeefj.øe. (je.) ßeer Oeerjsvõ eEmen SJeb øeefleYeeieerieCe.

meHeâuelee keâer keâneveer H ď “ď •ď ƒď ƒď …ď “ď “ď€ ď “ď ”ď ?ď ’ď ™

Ă‚ĂŒ{ mebkeâuHe ves keâeceĂ™eeyeer

kesâ efMeKej Hej HengbĂ›ee efoĂ™ee

Ă&#x;eer

celeer megJeCe&uelee Ă&#x;eerjbie mejveeF&keâ. Skeâ mejue JĂ™eefkeälelJe. Fvemes peye Henueer cegueekeâele ngF& lees keâneR mes veneR ueiee Lee efkeâ Fme JĂ™eefkeälelJe ves DeHeves peerJeve ceW Fleves Gleej-Ă›eĂŒ{eJe osKes neWies. Jes keân jner LeeR yeQkeâ Dee@Heâ Fbef[Ă™ee keâer ceQ MeleMe: DeeYeejer ntb efpemeves cesjer cegefMkeâue, cesjer pe¤jle, cesjer #ecelee keâes HenĂ›eevee Deewj cegPes ` 10,000/- keâe $e+Ce efoĂ™ee efpememes cegPes meceepe ceW KeĂŒ[s jnves keâer Meefòeâ efceueer. Ă&#x;eerceleer megJeCe&uelee Skeâ 10JeeR Heeme IejDeboepe Je meceepe kesâ PecesueeW mes otj DeHeveer ie=nmLeer efyelee jner Leer. Fvekesâ Heefle efvepeer yeQkeâ ceW keâece keâj jns Les, yeQkeâ kesâ yeejs ceW yeme Jen Flevee ner peeveleer Leer. Jeneb keâe keäĂ™ee JĂ™eJenej nw, Helee veneR Lee. Jen Deeies yeleeleer nQ efkeâ 1992 cesjs efueS meejer cegefMkeâueeW Skeâ meeLe DeeĂ™eeR. cesjs meecetefnkeâ HeefjJeej ceW Deblejkeâuen kesâ keâejCe cesjs Heefle keâe ceeveefmekeâ meblegueve efyeieĂŒ[ ieĂ™ee Deewj Jes keâece keâjves Ă™eesiĂ™e ceveefmLeefle ceW veneR jns FmeefueS GvnW veewkeâjer mes efvekeâeue efoĂ™ee ieĂ™ee. nce oesveeW keâes DeHeveer oes yesefĹĄĂ™eeW Deewj Skeâ yesĹĄs kesâ meeLe efpeboieer ieg]pej yemej keâjveer Leer. cewveW meeĂŒ[er efHekeâes-Heâe@ue, efmeueeF&, HeWeEĹĄie, efJevekeâece, Yejle keâece Je ueeskeâj kesâ ¤ceeue Je DeĂ›eej cegjyes keâe keâeĂ™e& Meg¤ efkeâĂ™ee Deewj pees Yeer Deeceoveer nesleer GmeHej Iej Ă›eue jne Lee. uesefkeâve mebmeej keâes Deeies yeĂŒ{eves kesâ efueS Ă™en DeeĂ™e yengle keâce Leer. Skeâ efove GĂ…eesie YeJeve mes Hewmes efvekeâeuekeâj meeĂŒ[er keâe OebOee keâjves keâe efveMĂ›eĂ™e efkeâĂ™ee. GĂ…eesieYeJeve mes ` 50,000/kesâ keâpe& keâer ceebie keâer efpemekesâ efueS ` 10,000/- ceeefpe&ve kesâ ¤He ceW ceebies ieS, cesjs Heeme efj#ee kesâ efueS 5 ` veneR Les lees Fleveer jkeâce keâneb mes Deeleer, efpemekesâ Ă›eueles Ă™en keâpe& ceQ veneR ues mekeâer. Fme keâef"ve meceĂ™e ceW yeQkeâ

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efjheesĹĄ& : nepeje mewÙÙeo leejebieCe HeÇefleefveefOe keâesuneHegj DebĂ›eue

Dee@Heâ Fbef[Ă™ee keâer keâesuneHegj cegKĂ™e MeeKee ves cesje meeLe efoĂ™ee Deewj Je<e& 1996 ceW Ă&#x;eer cnwmekeâj peer keâer meneĂ™elee mes cegPes yeQkeâ mes keâpe& efceuee. Iej kesâ Skeâ keâcejs ceW ceQves meeefĂŒ[Ă™eeW keâe JĂ™eJemeeĂ™e Meg¤ efkeâĂ™ee. Oeerjs-Oeerjs Skeâ efJeOeJee m$eer keâes ceQves DeHeves ogkeâeve ceW keâece Hej jKe efueĂ™ee. Deye ceQves DevĂ™e Iejsuet DeewjleeW keâes Yeer DeHeves Ă™eneB mes meeefĂŒ[Ă™eeb yesĂ›eves kesâ efueS GOeejer Hej osvee Meg¤ efkeâĂ™ee. Fme keâpe& keâes ueewĹĄeves kesâ yeeo yeQkeâ ves cesjs meeceves ke@âMe ›esâef[ĹĄ keâe HeÇmleeJe jKee Je ` 2/- ueeKe keâer meermeer cebpetj keâer ieĂ™eer. cegPes yeQefkebâie JĂ™eJenej ceW o#e yeveeves ceW keâesuneHegj cegKĂ™e MeeKee kesâ mĹĄeHeâ ves yengle ceoo keâer. cegPes meYeer DeefOekeâeefjĂ™eeW/keâce&Ă›eeefjĂ™eeW keâe menkeâeĂ™e& efceuee efpemeceW Ă&#x;eerceleer efJeceuee metĂ™e&JebMeer keâe menkeâeĂ™e& ceQ keâYeer veneR Yeguee mekeâleer. Fme HeÇkeâej yeQkeâ mes cegPes kesâJeue Hewmee ner veneR efceuee DeefHeleg Skeâ veweflekeâ DeeOeej Yeer efceuee. ogkeâeve kesâ efvejer#eCe kesâ oewjeve cegPes [j Lee efkeâ cesjer meeOeejCe ogkeâeve/cekeâeve keâes osKekeâj yeQkeâ DeefOekeâejer keäĂ™ee keânWies uesefkeâve DeefOekeâeefjĂ™eeW keâe Ă™en keânvee efkeâ YeJĂ™e DeeOegefvekeâ cebefoj Je Hegjeleve cebefoj ceW pees Heâke&â nw Jees Deepe DeeHekeâer ogkeâeve keâes osKekeâj ve]pej Deelee nw, Ssmes MeyoeW ves cesje meenme yeĂŒ{eĂ™ee. peneb Ssmes DeefOekeâejer neW, Gme yeQkeâ keâe ceQ efpelevee iegCeieeve keâ¤b, Glevee keâce nw. meve 2005 ceW Heg{ejer keâmlegjer Éeje DeeĂ™eesefpele Gllece GĂ…eespekeâlee Hegjmkeâej kesâ efueS cesje Ă›eĂ™eve ngDee. Ă™en Hegjmkeâej mJeCe& keâvĂ™ee megĂ&#x;eer Heer.ĹĄer. G<ee kesâ neLeeW cegPes efoĂ™ee ieĂ™ee. ceefnuee GĂ…eespekeâ mHeOee& ceW efÉleerĂ™e mLeeve HeÇeHle keâjves kesâ yeeo cegPes Ă&#x;eerceeveĂ™eesefie veeiejer menkeâejer Hele mebmLee keâer Henueer ceefnuee DeOĂ™e#ee kesâ ¤He ceW Ă›egvee ieĂ™ee. ceQves oef#eCe Yeejle oMe&ve keâe keâeĂ™e& Meg¤ efkeâĂ™ee. Ssmeer Je=ĂŚ Je DeHebie ceefnueeDeesb kesâ efueS Ă™en ĹĄ^erHe DeeĂ™eesefpele neslee nw efpevnW keâesF& yeenj Iegceeves ues peeves keâer efnccele veneR keâjlee. Fve meyekesâ meeLe ceQ Kego Ă›eueer peeleer ntb. Fme HeÇkeâej ceQves Deye lekeâ 8 ĹĄ^erHe keâe DeeĂ™eespeve keâj efueĂ™ee nQ. Deepe Deveskeâ pe¤jlecebo ieÇenkeâeW keâes cesjer peceevele Hej yeQkeâ ueesve os jner nw. yeQkeâ Dee@Heâ Fbef[Ă™ee HeefjJeej ceW efoĂ™ee ieĂ™ee Ă™en mLeeve cesjs efueS DecetuĂ™e nw. Fme yeQkeâ ves cegPes Iej efoĂ™ee, meceepe ceW mLeeve efoĂ™ee, efJeefYevve cebĂ›eeW Hej mecceeve efoĂ™ee. Deepe cesje yesĹĄe FbpeefveĂ™eefjbie HeĂŒ{ jne nw. yesĹĄer FbpeefveĂ™ej nw, Skeâ yesĹĄer keâer Meeoer nes Ă›egkeâer nw. Ă™en meye kesâJeue yeQkeâ Dee@Heâ Fbef[Ă™ee kesâ meeLe keâe veleerpee nw. ceQ efoue mes ke=âle%e ntb Deewj ogDee keâjleer ntb efkeâ yeQkeâ Dee@Heâ Fbef[Ă™ee yeme let Ssmes ner Ă›ecekeâlee jns, Ă™en cesjer veneR cesjs HeefjJeej kesâ nj meomĂ™e keâer ogDee nw.

meHeâuelee keâer keâneveer H ď “ď •ď ƒď ƒď …ď “ď “ď€ ď “ď ”ď ?ď ’ď ™

cesje mehevee Ă™etefvekeâ yegĹĄerkeâ

ceQ

uegyevee Meenerve, YeejleerĂ™e cetue keâer Skeâ cegefmuece ceefnuee ntb. ceQ efpeme #es$e cesb jnleer ntb Jeneb Hej DeefOekeâlej Deewjlesb ie=nefCeĂ™eeb nQ Deewj efyepevesme keâjves kesâ yeejs cesb lees keâesF& meesĂ›elee ner veneR. ceQ DeejbYe mes ner efyepevesme keâjvee Ă›eenleer Leer Deewj DeHeves Meewkeâ keâes Debpeece osves kesâ efueS ceQves DeHeves efvekeâen kesâ yeeo Skeâ meef›eâĂ™e øeĂ™eeme Meg¤ efkeâĂ™ee. ceQves DeHeves Heefle keâes yeleeĂ™ee efkeâ cegPes HewâMeve ef[peeFeEveie cesb efoueĂ›emHeer nw Deewj ceQ Fmecesb Deeies yeĂŒ{vee Ă›eenleer ntb. cesjs Heefle ves cesje YejHetj meeLe efoĂ™ee Deewj cegPes HewâMeve ef[peeFeEveie cesb ef[Hueescee keâjves keâer Fpeepele os oer. ceQves JeejeCemeer kesâ Jeefvelee Hee@efueĹĄsefkeäťvekeâ mebmLeeve mes HewâMeve ef[peeFeEveie cesb ef[Hueescee øeeHle efkeâĂ™ee. ef[Hueescee keâjves kesâ GHejeble DeHeves Meewkeâ keâes peceerveer nkeâerkeâle cesb leyoerue keâjves keâe øeĂ™eeme Meg¤ efkeâĂ™ee. neueebefkeâ DeejbYe cesb cegPes keâeHeâer efokeäkeâlesb DeeFĂ‹. cesjs efjMlesoej cesjs Fme JĂ™eJemeeĂ™e mes KegMe veneR Les uesefkeâve ceQves keâYeer efnccele veneR nejer Deewj DeHeves meHeveesb keâes meekeâej keâjles ngS yeHevee yegefĹĄkeâ Keesuee efpemecesb ceQves veece efoĂ™ee â€˜Ă™etefvekeâ yegĹĄerkeâ’! DeHeves oes yeÛÛeesb keâer HejJeefjMe keâer efpeccesoejer G"eles ngS ceQves Hetjs Glmeen mes yegĹĄerkeâ cesb keâeĂ™e& keâjvee Meg¤ efkeâĂ™ee. Ă™en cesjer Deeies yeĂŒ{ves keâer ueuekeâ ner jner nw efkeâ ceQves efJeefYevve mebmLeeDeesb, efJeMJe efJeĂ…eeueĂ™eesb FlĂ™eeefo Éeje DeeĂ™eesefpele keâer ieF& HewâMeve ef[peeFeEveie keâer øeefleĂ™eesefieleeDeesb cesb ncesMee øeLece mLeeve øeeHle efkeâĂ™ee. ceQves 25,000/- ÂŽHeS cee$e mes DeHevee Ă™etefvekeâ yegĹĄerkeâ DeejbYe efkeâĂ™ee. Deepe Deuueen kesâ keâjce mes nceejs Heeme ueieYeie 12 ueeKe keâer hetbpeer ceewpet=o nw. Fmemes Skeâ lejHeâ nceejs peerJeve mlej cesb megOeej ngDee nw otmejer Deesj, nceeje meceepe cesb mecceeve Yeer yeĂŒ{e nw. cesjs keâeĂ™e& keâes osKeles ngS Deveskeâ ueĂŒ[efkeâĂ™eesb ves cegPemes øesjCee ueer nw Deewj DeHevee yegefĹĄkeâ keâe keâeĂ™e& DeejbYe efkeâĂ™ee nw pees Deepe Gvekesâ HeefjJeej keâer jespeer-jesĹĄer keâe Skeâ peefjĂ™ee yeve Ă›egkeâe nw. Ssmeer Skeâ oes veneR DeefHeleg ueieYeie 30 ue[efkeâĂ™eeb SJeb ceefnueeSb nQ pees yeveejme SJeb DeemeHeeme kesâ #es$eesb cesb keâeĂ™e& keâj jner nQ. ceQ Ă™en DeJeMĂ™e yeleevee Ă›eenleer ntb efkeâ peye ceQ DeejbYe cesb mebIe<e& keâj jner Leer leye yeQkeâ Dee@Heâ Fbef[Ă™ee, meesveejHegje MeeKee, JeejeCemeer mes cegPes yengle DeefOekeâ menĂ™eesie øeeHle ngDee. Gme Jekeäle cesjs Heeme Fleveer jeefMe veneR Leer efkeâ ceQ DeHevee keâejesyeej Deeies yeĂŒ{e meketbâ Hej yeQkeâ ves meceĂ™e Hej cegPes $e+Ce oskeâj cesjer

efjheesĹĄ& : jepeerJe kegâceej leejebieCe øeefleefveefOe JeejeCemeer DebĂ›eue meneĂ™elee keâer Deewj ceQ DeHeves meHeves meĂ›e keâj HeeF&. ceQ DeHeveer meHeâuelee keâe Ă&#x;esĂ™e DeHeves HeefjJeej kesâ meeLe-meeLe yeQkeâ Dee@Heâ Fbef[Ă™ee keâes Yeer osvee Ă›eenleer ntb. Deblejje°^erĂ™e ceefnuee efoJeme Hej ceQ DeHeveer ceefnuee meeefLeĂ™eesb mes DevegjesOe keâjleer ntb efkeâ DeeHe DeHeves Hej Hetje Yejesmee jKesb Deewj cesnvele keâjsb. ncesMee Ă™eeo jKesb – uenjesb mes [jkeâj veewkeâe Heej veneR nesleer keâesefMeMe keâjves Jeeueesb keâer keâYeer nej veneR nesleer~

ceQ ntB Deepe keâer

veejer

ceervet kegâceejer meefke&âť neGme MeeKee jebĂ›eer DebĂ›eue peerJeve keâer DeeOeej ntB ceQ, KegefMeĂ™eeW keâer yeewĂšej ntB ceQ, heef#eĂ™eeW keâer GĂŒ[eve lees keâYeer meeiej keâer letHeâeve ntB ceQ keâcepeesj veneR ‘‘Meefòeâ’’ ntB nj og:Ke men mekeâleer ntB ceQ, peerJeve heLe hej Deeies yeĂŒ{leer keâYeer veneR Lekeâleer ntB ceQ~~ ceQ ntB Deepe keâer veejer... Oethe ceW ĂšeĂ™ee yeveer, cecelee keâer henĂ›eeve ntB ceQ, meceepe keâe ohe&Ce ntb, lees mebmke=âefle keâe ceeve ntB ceQ, Yeso uetB nj ue#Ă™e ceQ pees Skeâ yeej "eve uetB, meecevee cegefMkeâueeW keâe, yevekeâj keâ¤b Ă›eĂłeve ceQ~~ ceQ ntB Deepe keâer veejer...... keâYeer legcnejer ceeB ntB, lees keâYeer legcnejer mebefieveer ntB ceQ, metjle Ă›eens pees Yeer nes, peerJeve keâer peveveer ntB ceQ, nj hegÂŽ<e keâer henĂ›eeve ntb ceQ, peerJeve keâer Meeve ntB ceQ, Deyeuee veneR meyeuee ntB ceQ, nj mebieerle keâer leeve ntB ceQ~~ ceQ ntB Deepe keâer veejer.... lees yebo keâjes Deye DelĂ™eeĂ›eej, nce hej keâjes ve legce Ă˜enej peerĂ™ees Deewj peerves oes, nceW Yeer nw mecceeve keâe DeefOekeâej~

27

Taarangan

March 2013

meHeâuelee keâer keâneveer H 

mšej

Smt. Deepa Mahalwal -

A Successful Business Woman

Reported by : Dilip Singh Taarangan Representative Chandigarh Zone

mJejespeieej HeÇefMe#eCe mebmLeeve; (Deej-mesšer), YeesHeeue

‘N

othing worth having in life comes easily. That’s for sure’. These lines are true for our valued customer of Manali Branch Smt. Deepa Mahalwal. Before becoming successful business woman, Smt. Deepa had to face lots of difficulties. Her married life didn't succeed and she got separated from her husband. She was alone and had to start her life afresh. The difficulties knocked her door and she had to look for a job for her livelihood. To start anew, she adopted a baby girl. Smt. Deepa decided to start her own business in 1999 by setting up a Printing Press in Manali. With less experience, it was very difficult for her to handle the business. But she didn't stop working and with full commitment, she marketed her products door to door in Hotels/ Offices. In 2006, she opened a stationery shop of her own by getting shop on lease. But the destiny had something different for her. Fire broke in her shop and she had to suffer a big loss. But she didn’t lose hope. As she had earned good experience of the Hotel Industries, she decided to start her manufacturing unit. The main requirement for this unit was getting credit facilities. She approached our Bank of India ‘Manali Branch’ and with the help of credit facility given by our bank, she started manufacturing unit named M/s Samriti Enterprises to make toilet rolls etc. and afterwards there was no looking back. She applied all her experience and effort in this business. At present, she is running the unit very successfully. Our Bank helped her further by providing Housing Loan. She availed the facility and purchased a House near Bank of India Holiday Home and renovated the same into four storied building, shifted all her business on the ground floor and hence saved the rent amount she was paying for rented shop. She is now living in her own house and has rented out the other apartments which in turn are earning sufficient income for her livelihood. Smt. Deepa always says that if somebody asks her what is one good thing happened in her life. With smile, she says ‘The timely help from Bank of India has made all the difference in my life. With gratitude, she admires BOI. BOI wishes her very successful path ahead.

leejebieCe

ceeÛe& 2013

28

HeÇYeejer Sme.Sme.Heer.Sme.(Deej-mesšer), YeesHeeue

ßeer

celeer jervee Heefle ßeer HeÇkeâeMe iegHlee, Debkegâj keâe@cHueskeäme, efMeJeepeer veiej, YeesHeeue (ce.HeÇ.) ves mšej mJejespeieej HeÇefMe#eCe mebmLeeve (Deej-mesšer), YeesHeeue keWâõ mes efoveebkeâ 15/02/2010 mes efoveebkeâ 20/03/2010 lekeâ yÙetšer Heeue&j HeÇyebOeve keâe HeÇefMe#eCe HeÇeHle efkeâÙee Lee. leledHeMÛeeled efoveebkeâ 20/12/2011 keâes ßeerceleer iegHlee Éeje mJeÙeb kesâ meeOeveeW mes ‘‘meewcÙee yÙetšer Heeue&j’' kesâ veece mes keâejesyeej HeÇejbYe efkeâÙee ieÙee, efpememes HeÇejbYe ceW GvnW ` 5000/- HeÇefleceen Deeceoveer ngF& pees Deye yeÌÌ{keâj ` 15000/- HeÇefleceen nes ieÙeer nw. ßeerceleer iegHlee ves yeleeÙee efkeâ GvnW mšej mJejespeieej HeÇefMe#eCe mebmLeeve; (Deejmesšer), YeesHeeue kesâ ceeOÙece mes HeÇefMe#eCe kesâ meeLe-meeLe meceepe kesâ HeÇefle DeHeves keâle&JÙe efveJe&nve kesâ efueÙes HeÇsjCee Yeer efceueer nw. nceejs Éeje yÙetšer Heeue&j Keesueves kesâ DeueeJee ‘‘meceefHe&le meceepe mesJee mebmLee’' kesâ veece mes Skeâ iewj mejkeâejer mebie"ve keâer mLeeHevee Yeer keâer ieÙeer nw Deewj ceQ Jele&ceeve ceW Fmekeâer meefÛeJe ntB. Fme mebmLee kesâ ceeOÙece mes nceejs Éeje ceefnueeDeeW Je Heg¤<eeW kesâ efueÙes efJeefYevve HeÇefMe#eCe keâeÙe&›eâce leLee yÙetšer Heeue&j, efmeueeF&, Deiejyelleer efvecee&Ce, keâcHÙetšj ne[&JesÙej cejccele Deeefo DeeÙeesefpele efkeâS pee jnW nw. nceves YeesHeeue efpeues SJeb Deeme-Heeme kesâ efpeueeW ceW peeie¤keâlee efMeefJej, vegkeäkeâÌÌ[ veeškeâ Deeefo keâe DeeÙeespeve efkeâÙee nw. ßeerceleer iegHlee ves peevekeâejer oer keâer Gvekesâ Éeje ieÇer<cekeâeue ceW [ebme, [^eFbie, kegâefkeâbie, Ssjesefyekeäme, keâješs Deefo kesâ keâesme& ÛeueeÙes peevee HeÇmleeefJele nQ. ßeerceleer iegHlee Éeje DeeefLe&keâ ¤He mes me#ece yeveeves kesâ meeLemeeLe meceepe ceW DeHevee oeefÙelJe Hetjs keâjves kesâ efueÙes yeQkeâ Dee@Heâ Fbef[Ùee kesâ HeÇefle DeeYeej JÙekeäle efkeâÙee nw.

The Phoenix Shall Rise The writer was widowed very early in her married life- in the fourth year, with a toddler baby daughter to bring up. At that time, staring at an uncertain future, there was only one plank to hold on to and another to live for - my parents and my baby girl. Survive I did, with the support of my parents and the livelihood given by our beloved Bank. And, now my daughter is an IT Executive, happily married. These were two poems I had penned during those days of disaster and heart-break; one each addressed to my parents and daughter.

mebmce=efle H 

Meena Murali K. Vigilance Unit South Chennai Zone

Meandering

Light

To

My Dad And Mum Looking back a score of years from hence, I could view my picturesque childhood from thence, Where I lay cuddled in the warmth of your care, That you showered on this little daughter fair. Gone are those innocent school going days, In sweet memorable charming ways, Loved and caressed by my dear dad, The best friend I have ever had. Then came the onset of teenage, Each individual’s happiest stage, It was darling mum’s meaningful smiles, That led me go ahead several miles. On stepping into graceful maidenhood, You selected a groom both cheerful and good, Your daughter in joyful wedlock gave, To a man ever so gentle and suave. With blessings showered in plentitude, From ancestors, friends and multitude, We started life fresh and gay, Least doubting the heavy loss we had to pay. And now my dad, I have queries in plenty, It’s left to you to answer me gently, “Why has God , this injustice done to me? When I would have ever yearned joyful to be. Is it that I have committed some sinful crime? When I was an innocent and playful girl in my prime?

That pleasant evening, when you first cast your eyes on me, I thanked God- for having begotten such cute, little beady eyes, Praying that thou should enjoy life to its brim, That was all your loving mother could then dream. As time fleeted by, unfurling life’s labyrinth, I was shocked to find us entangled both, Fearing that we may get hopelessly trampled, And lost traceless from this teaming world. But nayThis time I looked deeper into thine eyes, And found the truth in those unfathomable depths, Which portrayed life in its beatitude- its meaning, It’s purpose and its ultimate yearning. True; There are many more springs and autumns to be passed, Many more dreams to be fulfilled, Greater daunting peaks to be scaled, When – Both you and I can prove to the world“Indeed! With God’s grace We have surmounted the heights.”

29

Taarangan

March 2013

o=ef°keâesCe H ď –ď ‰ď …ď —ď€ ď ?ď ?ď ‰ď Žď ” HegÂŽ<e Deewj veejer ceeveJe meceepe kesâ oes øecegKe mlecYe nQ. Ă™en oesveeW Skeâ-ogmejs kesâ HeefjHetjkeâ nQ. meceepe ceW HegÂŽ<eeW keâe efpelevee DeefOekeâej nw efm$eĂ™eeW keâe Yeer Glevee ner nkeâ nw. veejer ceW yegefĂŚ keâer lespeefmJelee nw, og:Ke-megKe keâes Pesueves keâer menveMeeruelee nw, efJeĂ›eejeW keâer ienjeF& nw Deewj HejeceMe& osves ceW JeeCeer keâer Meerleuelee nw. FmeerefueS Ă™en keâne ieĂ™ee nw Ă™e$e veejer HetpĂ™evles, jcevles le$e osJelee DeLee&le peneb veejer keâe mecceeve neslee nw JeneB megKe, JewYeJe Deewj mebHevvelee keâe efveJeeme jnlee nw. osMe Deewj meceepe keâer øeieefle kesâ efueS veejer-efMe#ee keâer DeeJeMĂ™ekeâlee DeHeefjneĂ™e& nw. jefMcelee kegâceejer HeeefCeÂŤener HeejueeKescegbĂŒ[er MeeKee YegJevesMJej DebĂ›eue ÂŤenCe keâjleer LeeR. Jesoceb$e jĂ›evee ceW ieeieer&, cew$esĂ™eer Deewj ueesHecegĂľe Ă™eMeefmJeveer LeeR. ieefCele kesâ DeHetJe& met$eeW ceW efveHegCe ueerueeJeleer, keâeefueoeme keâer Helveer Meem$ee%ee keâceefueveer Deeefo lelkeâeueerve meceepe keâer efJeYetefleĂ™eeB LeeR. øeeĂ›eerve Ă™egie ceW veejer efMe#ee Ă›eefj$e ie"ve, %eeveepe&ve, veweflekeâlee Deewj DeOĂ™eeeflcekeâlee Hej DeeOeeefjle Leer. ceOĂ™e Ă™egie ceW veejer efMe#ee keâer DeJensuevee ngF&. lelkeâeueerve Meemeve ves efMe#ee HeĂŚefle Hej DeeJeMĂ™ekeâ OĂ™eeve veneR efoĂ™ee HeefjCeecemJe¤He veejer efJeueeefmelee keâer meeceÂŤeer yeve ieĂ™eer. Iej keâer Ă›eejoerJeejer kesâ Yeerlej yebefoveer yevekeâj efMe#ee mebmke=âefle mes otj jn ieĂ™eer Heâuele: DeveskeâeW kegâmebmkeâejeW Deewj DebOeefJeMJeemeeW ves Gmes Iesj efueĂ™ee.

vee

jer HegÂŽ<e keâer menkeâefce&Ceer Deewj menOeefce&Ceer nesleer nw. HeefjJeej keâer Jen ie=nmJeeefceveer nw. HeefjJeej keâes cecelee keâer DeeBĂ›eue mes ĂŒ{bkesâ jnleer nw. Jen YeefJe<Ă™e kesâ veeieefjkeâ keâer peveveer nw. HeefjJeej kesâ yeenj Jen kegâMeueleeHetJe&keâ keâeĂ™e& mebHeeefole keâjleer nw. Jen Jeerjebievee Yeer nw Deewj MeefkeäleceF& Yeer. Ă™ee osJeer meJe& Yetles<et Meefkeäle ÂŽHesCe efJeĂ…ee ÂŽHesCe ceele= ÂŽHesCe mebefmLelee, vecemlemĂ™es, vecemlemĂ™es, vecemlemĂ™es, vecees vece:. meceepe keâes meekeâej Deewj megmebmke=âle yeveeves kesâ efueS veejer-efMe#ee keâer Deefle DeeJeMĂ™ekeâlee nw. veejer efveyees&Oe efMeMeg keâer DeeĂ…e efMeef#ekeâe nesleer nw. yeÛÛes keâes meiegCe mecHevve veeieefjkeâ yeveeves keâe Ă&#x;esĂ™e ceeB keâes ner nw. efMeJeepeer Jeerj yeves Les lees peerpeeyeeF& keâer øesjCee Leer, ieebOeerpeer kesâ melĂ™e Deewj DeeEnmee kesâ mebosMe kesâ HeerĂšs Gvekeâer ceeB Hegleueer yeeF& keâe ner Oeeefce&keâ ¤He Lee, vesHeesefueĂ™eve keâes Jeerj yeveeves ceW Gvekeâer ceeB kesâ Ă™eesieoeve keâes vekeâeje veneR pee mekeâlee nw. Skeâ efMeef#ele veejer ner Fme øekeâej DeHeves efMeMeg keâe Ă›eefj$e efvecee&Ce keâj mekeâleer nw. megie=nCeer kesâ ¤He ceW HeefjJeej keâes Ă›eueeves kesâ efueS Gmes Gòece %eeve keâer DeeJeMĂ™ekeâlee nesleer nw. meceepe keâes DebOeefJeMJeemeeW Deewj onspe Deeefo keâer kegâøeLeeDeeW mes yeĂ›eeves kesâ efueS Henues veeefjĂ™eeW keâes efMeef#ele yevekeâj mJeeJeuebyeer yevevee HeĂŒ[siee. efMeef#ele veejer HeefjJeej Deewj meceepe keâer Deveceesue mebHeefòe nw. Jewefokeâ Ă™egie ceW veeefjĂ™eeb ye>ÿÛeeefjCeer kesâ ¤He ceW iegÂŽ-DeeĂ&#x;ece ceW efJeĂ…ee leejebieCe

ceeÛe& 2013

30

DeeOegefvekeâ Ă™egie ceW efMe#ee kesâ #es$e ceW veejer ves keâoce yeĂŒ{evee Meg¤ efkeâĂ™ee Deewj Deepe keâer veejer øelĂ™eskeâ #es$e ceW DeHeveer GHeefmLeleer ope& keâj jner nw. Deepe Jen mejesefpeveer veeĂ™eĂŒ[t keâer lejn cesOeeJeer, ceneosJeer Jecee& meer keâefJeĂ™e$eer, Fbefoje ieebOeer meer øeOeeveceb$eer, efkeâjCe yesoer keâer lejn Hegefueme DeHeâmej, ceoj ĹĄsjsmee keâer lejn meceepe mesJeer yeveleer nw. Jen Jew%eeefvekeâ, efJeĂ›eejkeâ Deewj øeMeemekeâ Yeer yeveleer nw. YeejleerĂ™e mebmke=âefle kesâ Devegmeej m$eer mes yeĂŒ{keâj HeefjJeej keâes mebYeeuevesJeeuee Deewj keâesF& veneR neslee, Hej Deepekeâue veeefjĂ™eeb efMeef#ele yevekeâj veewkeâjer kesâ HeerĂšs oewĂŒ[leer jnleer nQ. HegÂŽ<eeW mes ĹĄkeäkeâj uesves ceW peneb m$eer peeefle meHeâuelee keâer cebefpeue Heej keâj peeleer nQ, JeneR otmejer Deesj HeefjJeej keâe meblegueve efyeieĂŒ[ peelee nw. kegâĂš efm$eĂ™eeB HeĂŒ{-efueKe keâj keäueye, efmevescee Deeefo ceW JĂ™emle jnleer nQ efpememes HeefjJeej kesâ yeÛÛeeW keâe ueeueve-Heeueve øeYeeefJele neslee nw. Jen Ă™en Yetue peeleer nQ efkeâ yeÛÛeeW keâes Gòece ceveg<Ă™e yeveeves kesâ efueS efHelee keâer DeeBKeeW keâer Deeie keâer DeeJeMĂ™ekeâlee veneR yeefukeâ ceeB keâer HĂ™eej Yejer efveieeneW mes efiejvesJeeuee Skeâ yetbo DeeBmet ner keâeHeâer nw. Ă™en melĂ™e nw efkeâ efpeme osMe ceW efm$eĂ™eeB HegÂŽ<eeW kesâ meceeve efMe#ee Hee jner nQ JeneB veejer Gvveefle keâer efMeKej Hej nQ. ceiej nceW lees YeejleerĂ™e veeefjĂ™eeW keâes Ssmeer efMe#ee osveer Ă›eeefnS efpememes Jes HeefjJeej leLee je°^ kesâ peerJeve keâes Ă™eesiĂ™e veeieefjkeâ øeoeve keâj Gmes DeefOekeâ megKeceĂ™e yevee mekeWâ.

ieefleefJeefOeÙeeb

ACTIVITIES Mumbai South Zone ZM Shri D.K. Garg, DGM (Marketing) Shri A.K. Sahu and the officials of Dai-Ichi Life Insurance Co. Ltd. Japan & Sud life Insurance at MSZ.

veeieHegj-1 DebÛeue ceW vejekeâeme veeieHegj Éeje DeeÙeesefpele jepeYee<ee mebiees<"er ceW mebyeesefOele keâjles ngS Deeb.øe. ßeer Deefpele keâes[s&.

MNZ ZM Shri T. Sudhakar, CM Khar Branch Shri Sanjay Kumar with other staff members during BLOW FEST 12-13 celebrated by R.D. National College, Bandra, Mumbai.

Passbook Printer ‘KIOSK’ was installed at Campal Branch, Goa Zone at the hands of Diamond Customer Shri Srinivas Dempo in the presence of ZM Shri K.K. Arora.

veJeer cegbyeF& DebÛeue ceW vejekeâeme kesâ leòJeeJeOeeve ceW ÙetefveÙeve yeQkeâ Dee@Heâ Fbef[Ùee Éeje øeeÙeesefpele `DeeMegYee<eCe øeefleÙeesefielee` kesâ ‘øeLece Hegjmkeâej’ efJepeslee jepeYee<ee DeefOekeâejer ßeer keâceueefpele eEmen eEmeOee mecceeve øeeHle keâjles ngS.

Solapur Zone, Hotgi Road Branch organized ‘Customer Meet’. DZM Shri N.S. Doijad addressing the customer in the presence of LDM Shri M.G. Korwar.

Ratnagiri Zone Team performing at Inter Zone Variety Show competition conducted by Pune Zone at Ahmednagar & won 8 awards in all categories.

31

Taarangan

March 2013

vesMeveue yeQeEkeâie mecetn (heefMÛece) O National Banking Group (West)

keâesuneHegj DebÛeue kesâ oewjs kesâ oewjeve ce.øe. («eeceerCe) ßeer Sve.meer. Keguyew ke=âef<e DeefOekeâeefjÙeesb kesâ efueS DeeÙeesefpele yew"keâ ceW meceer#ee keâjles ngS. meeLe ceW, Deeb.øe. ßeer øekeâeMe YeeieJeleJeej Je keâeÙeesË keâe yÙeewje osles ngS yeer[erSce meebieueer ßeer oueJeer.

veejer efJeMes<e H 

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h the t i w r a e T y r e v emove E ess earl of Happin

P

‘‘Deyeuee, peerJeve lesjer neÙe Ùener keâneveer , DeebÛeue ceW otOe Deewj DeeBKeeW ceW heeveer~’’ The above frequently quoted lines of well-known Hindi poet Maithili Sharan Gupta best depict the situation of women that she is meant only for the birth of children and daily household chores. Really British writer, Virginia Woolf’s phrase ‘angel in the house’ best describes her as she is the one who gives up each and everything for the sake of other’s happiness. “One is not born, but one is made a woman.” French critic Simone de Beauvoir’s radical quote is a call to the world for women’s emancipation. Nature discriminates with no one but it is the human creature that sows the seeds of discrimination. All human beings whether men or women are God’s creatures. From ancient times this ‘angel’ of the house is looked over scornfully in the maledominated society. She experienced all the bitter experiences of being Sati, to live in veil, her story as a widow etc. Gradually with the passage of time, there is change in their stance. Now, in present times,

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Pramod Kumari Lady Customer Ameerpet Branch Hyderabad Zone

women are moving with men. They are entering all the spheres of life having equal positions that of men whether it is Political, Economic, Educational, Cultural, Social and IT field. Our history exemplifies so many courageous women for example Emily Shankel, Rani Laxmi Bai, Sarojini Naidu, Kasturba Gandhi, Mother Teresa, Sister Nivedita. Even in present time, we can see Shaamila E Jerome and Mahashweta Devi who are fighting boldly with anti-social forces. They are holding different positions in decision making bodies such as Parliament and Assemblies. There are many women MP’s and Ministers. We had a lady Prime Minister Late Smt. Indira Gandhi and Ex-President Smt. Pratibha Devi Singh Patil. Presently, we are having lady Loksabha Speaker Smt. Meira Kumar. Women are also heading highest positions in judiciary such as High Court Chief Justice. They are heading the apex positions in IT, Business and Banking Sector as Bank CEOs and Company CEOs. For example Pepsico’s CEO Indira Nui, Bank Of India CMD Smt. V.R. lyer and ICICI bank’s CMD Smt. Chanda Koccher. Currently many states are having women Chief Ministers and Governors, Speakers, Leaders of opposition etc. Even they are in International Organizations like UNO. Captain Vijya Lakshmi Pandit is an example of that.

International Women’s day is celebrated on 8th March every year. It’s a global festival celebrating the economic, political and social achievement of women. Celebrating women day is an inspiration for women to soar the skies. The United States even designates the whole month of March this year as Women’s History month. International Women’s Day marks women’s progress. This day has been celebrated since early 1900. On this day women are seen honoured by their husbands, sons and fathers. An ideal wife is always a good companion of her husband. In this form, everyday should be a women’s day for a men. Let it be our motto in celebrating International Women’s Day that there should not be tears in the eyes of any women. As it was discoursed by Hindi poet Jyashankar Prasad –

‘‘veejer legce kesâJeue ßeæe nes, efJeMJeeme jpele veie heie leue ceW, efheÙeg<e œeesle meer yene keâjes, peerJeve kesâ megboj meceleue ceW ~’’ Here is the need to create a safer and secure world for women where they can walk, talk, move and eat freely.

Even in present times so many women are victims of domestic violence, beating, coercion, rape etc. We all, men and women, together can create a safe place. A famous Hindi couplet best depicts it.

‘‘veejer efveboe cele keâjes, veejer iegCe keâer Keeve, veejer mes vej Ghepes õgJe, Øeåueeo meceeve~’' Women should recognize their self-respect and dignity. They should give up the stereotypes. It is visible as 21st century has also witnessed a change in attitude towards women in society. The following lines of well-known Hindi poet Maithili Sharan Gupta are very apt here.

‘‘kegâÚ Yeer meJelJe veneR jKeleer nw, keäÙee DeOeeËefieveer legcnejer, Skeâ veneR oes-oes cee$eeÙeW, vej mes Yeejer veejer ~’' Now-a-days there are various Government policies for the Girl child —for her education and higher studies. Women are exempted from fees for applying in various Govt. Departments. There are certain things which need improvement for the free moving and growth of women. They should be treated well at workplaces by their colleagues. Their physical health should be taken care of. Within the family, a woman should not be neglected. She should be supported mentally or emotionally. It should not appear to her that she herself is ostracized in her own home. Because of such type of misconduct, there is the need to redress their felt grievances and to set for them a healthy atmosphere where they can breathe freely. It’s possible only by having an androgynous attitude. It is right to exemplify here Hindi poet Dushyant Kumar’s lines–

nes ieÙeer nw heerj heJe&le meer efheIeueveer ÛeeefnS, Fme efnceeueÙe mes keâesF& iebiee efvekeâueveer ÛeeefnS cesjs meerves ceW veneR lees lesjs meerves ceW mener, nes keâneR Yeer Ùes Deeie ueieveer ÛeeefnS~ Today, India is at the cusp of a revolutionary change in its growth and its position in the world. We both, men and women must act decisively to capture this opportunity. We need to think big and scale up rapidly in each and every area, be it education, infrastructure, industry, financial services or equality of both gender cases. Therefore, it would be my appeal to all fellow beings to maintain this equipoise and respect women dignity. The following Veda citation seeks to support my argument –

Feel it G. Kirthi D/o Shri G. Subba Reddy Mansoorabad Branch Hyderabad Zone

Somewhere deep in my joys you dwell Round about the clock and make my thoughts swell Far across the peaks and ocean shore Cajoling arms, motherly eyes and heavenly core. Along the silver lining of the mountain You trend into my path like a fountain Enchanting and mesmerizing my soul How do I realize what is your goal. Ah! There come the darting sunny rays This sight would be a feast for days The brightness in the rays provoke me Whereas the warmth pacifies thee. Though not vindictive, I accept it as a challenge Just or unjust I shall mightily avenge For you have been appearing in my dreams Occupying my mind and my maternal genes. I am afraid you will be crampled For my thoughts consequently get scrambled Whatever it is you are my life Whether you admit or not you are my strife. Mute was I at your first glance Urging was I for another blinding chance Solitary was I before your discovery Now here I am longing for a recovery. Soothing is the pain when your breeze blows The wound gets healed and oozing blood stops its flows Such is the difference made by your presence when will you realize what is my grievance. All I need to know is who you are That evokes in me a jingling star Oh! How could I predict! I am a mere creature In comparison to you Goddess - “MOTHER NATURE

‘‘Ùe$e veeÙe&mleg hetpeÙebles, jcebles le$e osJeleeŠ’’ 33

Taarangan

March 2013

veejer efJeMes<e H ď —ď ?ď ?ď …ď Žď€ ď “ď ?ď …ď ƒď ‰ď ď Œ

The re-awakening of Women

Chitra Krishnakumar Lady Customer Mylapore Branch Chennai Zone The social condition deteriorated during the medieval period. For nearly 200 years from 300 BC to 1800 AD, the dark ages of India, development of Women suffered. Though she was loved by her parents, husband and cared for by her children.

The Rig Veda says, “The home has, verily, it’s foundation in the wife�. It made me think since we feel only today’s woman is liberated. I read about the life of women in the vedic period and was surprised by the status they enjoyed in their society.

W

omen were held in higher respect in India than in any other Asian countries. The Epics and old literature of India assigned a higher position to them than that of ancient Greeks. Women were generally not discriminated against nearly on the grounds of gender. Men and women had equal status in matter of education, marriage, re-marriage, in managing house hold, right to property, intellectual pursuit, participation in public debates and some women even participated in battles along with men. There were women teachers and scholars.

They inherited and possessed properties and took part in sacrifices and religious ceremonies. Hey attended the assembly and state occasion. No male was considered complete without his spouse. The birth of a daughter was welcomed and assigned the legal position of the son. Education was considered vital. Girls with education were regarded highly. The Atharva Veda says “the success

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of women in her married life depends on proper training during the student period�. Marriage was performed only after the girl was educated and was fit mentally and physically. She had an important position in the family. During the post Vedic period, women lost their high status and independence. She became a subject of protection. The period after 300 BC had a succession of invasions and influx of foreigners. The fear and insecurity haunted the common people and house holders. Sons were valued higher than the daughters because of the need for more fighting males. So it was imperative to protect women from abductors. And therefore, it became necessary to curtail women’s freedom and movements. Early marriage was employed as part of defensive measures. The Education of Girl child was no longer a priority. The neglect of education imposing seclusion and insecurity that gripped their lives had disastrous consequences upon the esteem status of women.

In many aspects the modern Indian Women had to wait a long time to regain some of their rights that Vedic women enjoyed. Now it's a time of reawakening where women of India have begin to get opportunities to establish their identity and be recognized for their potential talents and capabilities. The process must improve both in terms of its spread and quality. The Ancient principles of equal opportunities for learning and development, equitable positions in place of work and right to seek out her destiny with honour is sure to come back.

Jeen yeÛÛees ` Wah Bachho

Shradha D/o S.S. Vyas Jodhpur Industrail Area Branch, Rajasthan Zone B.Tech (Dairy Technology). Radhika D/o Shri Haresh Mangal Anwtrep Branch, B.Tech (1st year) topped amongst 350 Engineering Colleges under UPTU. Nitish S/o Smt. Swati Deshmukh CA Nariman Point Branch

Major Abhishek S/o Jaganath Bhapkar "Maharashtra Gaurav Puraskar" Karve Nagar Br. Pune Zone

veejer efJeMes<e H ď —ď ?ď ?ď …ď Žď€ ď “ď ?ď …ď ƒď ‰ď ď Œ

Women Empowerment Visalakshy Verma Ujjain Zone DAY is being celebrated on 8th March every year. This year nomenclature is crime against women while the previous year was women empowerment. Another important area of women empowerment signals to the crime against women. Whatever the reason be, either at times of war/ riots or peace, women are often exposed to many assaults, biased situations etc. Women empowerment cannot be even dreamt without a safe and secure social atmosphere well supported by stringent law and quick judicial decisions for crime against women.

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omen empowerment is a buzz word today. Since evolution of life there was difference between male and female. But this difference was made by Mother Nature to ensure life existence. However, as human beings developed as the wisest among all living beings and on course of time the fairer sex was given a lower space and fewer rights for respectful living. It is wisely said that “you educate a man and you educate one human being, but educate a woman and you educate whole family�. Such is the impact of woman in social life. But still a respectful space either in society or in house is neglected in many instances. The ability of woman to do all kind of works has been clinically proven. However, practically we find fewer women working in all kind of sectors be it service or manufacturing. Women may be having RBC count lesser than men, but they are having good level of sincerity, perseverance, leadership qualities, patience, that are more important to excel. Our political system goes in confusion when any bill regarding women welfare/ reservation come on table. But it is the need of hour to provide better opportunities to women which has been denied since decades. The recent announcement in the budget on opening a nationalized bank exclusively for women, by women and of women is a essentially an incredible move towards women empowerment To make all aware and give the women community their due recognition, at international forum WOMENS’

Our country is known to respect women and even our mythology affirms it. Now many women at grass root level are gaining momentum with the functioning of SHGs and are now even raising voice against many of malpractices prevailing in the society and are successful in curbing them in many instances. This may not be possible in their individual capacities. Hence women empowerment, curbing crime against women etc. in true spirit actually need to be initiated from the grass root level itself. Great Indian personalities as Smt. lndira Gandhi, Kiran Bedi, Chanda Kochar, Sonia Gandhi etc., are few who have proven their might. We have to come forward to ensure a safe and secure society with deserving platform for women also and that shall be towards women empowerment truly.

Mother

jsMeceer Ă˜ekeâeMe megheg$eer Ă˜ekeâeMe jepeejece cele&ue ceePeieebJe MeeKee

= stands for the MILLION blessing that she showers on me. = stands for the OPINION that she gives me free. = stands for TENDER CARE it get from her. = stands for her loving HEART that is so pure. = stands for the EYE that sees all I do. = stands for her affectionated RAY OF LIGHT she holds for my future.

Put them together & they shall make the word "MOTHER" that means the world to me.

35

Taarangan

March 2013

Ă‚ef°keâesCe H ď –ď ‰ď …ď —ď€ ď ?ď ?ď ‰ď Žď ”

&

Women’s Equity

Inequality in Indian Society

Ă™e$e veeĂ™e&mleg hetpĂ™evles jcevles le$e osJelee Woman is in no way inferior to her counterpart, man. From time immemorial, woman represents history in all its grace and distress in terms of time and space, social ups and down, political subjugation and freedom. In religion, social intercourse, education, literature, art and culture, her status was never in doubt. In the ancient Indian society, women used to enjoy a very honourable position. In Upanishads, women have been described as incarnation of Rita Apart from the maintaining house, they used to go to battle field, like Kaikeyi who went with her husband Dashratha and like Sita who went with her husband Rama. It is rightly said that “God lives there, where women are worshipped. Marriage to us is not a convention but a device for the expression and development of love. Marriage provides the opportunity to enable community of thought and feeling between the two. Man and woman are like two wheels of a carriage. Man and woman both contribute to the development of each other’s personality. Higher education in India is available to everybody without the discrimination of sex, religion or faith. Not many people realize that women play as equally important role in the development of a society. The role of men and women in our Indian society has been both collaborative and supplementary. Women had enjoyed both freedom and equality with men. The myth of male superiority was only a later distortion that came in the wake of growing male domination. Women in India have always been issues of concern. It is distressing that violence against women is becoming more frequent and is alarmingly on the increase. Today, in almost every structure of our social life the women are treated as inferior beings. We may shout about constitutional equality between men and women, but we shall have to go a long way before women will find an equal, safe and honourable place in our society. We today’s persist in our wretched belief that women are weak, helpless creatures who need constant watching by their fathers, brothers, husbands and sons of

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Neelu W/o Shri Vinod C. Dixit NBG (Central) Ahmedabad

ged as nowled k c a y ll a means univers which is y h c a r D a of age 8th of M nal Women’s s come a h io y t a a od quality Intern an of t life of e m d o ie w if n e ig eclared that th lead a d andhi once d o t s t n , gifted and wa . Mahatma G of man right n io n n a a with m e comp e has a an is th capacities. Sh m o in the W “ l – enta te detail ht of m u l in a u m q every with e qual rig ipate in led has an e to partic f man and she im. She is entit f o h s e h ie r it he o w activit liberty own sp aised d r n e a h m r ce in freedo e slogan h me pla T e r p .� u is s h Dignity to a an is in is: “Equality, m s a y t�. This en activit e Wom what we wan eness h t y b are awar today espect e new R h t lf e f S o Modern and dicative er the world. in is st the n v sloga all o s again n e e ic o m v o w d their iety. among ve raise feudalistic soc a h n e wom and minated male do

different stages of their life. It reads today like a fairy tale that in the reign of a certain king, women laden with ornaments could move freely without any fear. The job of a woman today is to restore emotional security in this insecure world. She has developed the art of human relationships and has made a notable contribution in the development of human behavior. With the passing of time, the role of wife and mother has become more exiting. Humility or ability to adjust oneself to one’s surroundings is the greatest virtue of a human being and more so, of a woman. Today, women in India are given freedom and rights such as freedom of expression and equality, as well as right to get education. Women in Contemporary India are doing the same what a male can do. Various prestigious positions are held by Indian women. They are enjoying the “ladies first� facility in various fields. But still problems like dowry female infanticide, sex selective abortions, health, domestic violence, are prevalent in the society. Several acts have been passed to demolish all these problems. But illiteracy and lack of awareness are the obstacles in the path of Indian women to stand against these follies. The greatest need of the hour is to change the social attitude to women. Today, India’s pressing need is women of caliber. They have to train the generation in the cradle with the noble ideals of unity, goodwill and self-help. Love and service are the fundamental qualities of a woman’s soul. If these are lifted from the family level and applied to the national and international levels, much good results can be seen.

Denmeeme H ď †ď …ď …ď Œď ‰ď Žď ‡ cebpetuelee helveer Ă&#x;eer ceneJeerj jeĂ™e yeeceueeyes MeeKee, Yeesheeue DebĂ›eue

Dee

meceeve keâer keâeueer IeĹĄeSB Deewj cebo meceerj ceW Jen Dekesâues iegce-megce yew"er ngF& vee peeves keâewve meer Ă™eeoesb keâer Ă›eeoj keâes DeesĂŒ{ yew"er Leer efkeâ yeeefjMe kesâ DebosMes keâer Yeer Keyej vee Leer. MeeĂ™eo Gmekesâ ceve ceW Ă™en OeejCee nes keâer yeeoue Ă™etb ner Deeles nQ Deewj Skeâ DeeJeejieer meceeb efveefce&le keâj Ă›eues peeles nQ. yeieerĂ›es ceW efieveleer kesâ ueesie ner yeĂ›e ieS Les Mes<e yeeefjMe keâer keâuHevee keâj ef"keâeves keâer Deesj Ă›eues ieS Les. Dece=lee DeHeveer Oegve ceW KeesĂ™eer ngF& yew"er Leer Deewj Heeme ner Lees[er-yengle HeefòeĂ™eesb keâes menspes Skeâ Je=#e Lee. Ssmeer yeele veneR efkeâ Fme efJeMeeue yeieerĂ›es ceW yew"ves keâer DeÛÚer peien veneR nw efkeâvleg Dece=lee keâes Ă™ener peien Hemebo nw keäĂ™eesbefkeâ Ă™en Je=#e pees nw. Skeâ Ssmee Je=#e pees Gmekeâer eE]peoieer mes cesue Keelee nw. Dekesâueer Dece=lee, Dekesâuee Ă™en Je=#e efpemeceW vee lees Deye Heâue nw Deewj ve ĂšebJe os mekeâvesJeeueer HeefòeĂ™eeB. peerJeve ceW keâye keâewve efkeâmemes pegĂŒ[ peeĂ™es keânvee keâef"ve nw Deewj keâye keâewve efkeâmemes ĹĄtĹĄ peeĂ™es Ă™en mecePevee Yeer cegefMkeâue nw. Dece=lee meesĂ›e jner Leer efkeâ peerJeve ceW keâneB Gmemes ieueleer nes ieF& pees Gmekeâer ĂšesĹĄer yenve MJeslee Gmemes otj Ă›eueer ieF&. efĂ›eefkeâlmee kesâ DeYeeJe ceW Gmekeâer ceeB keâer ce=lĂ™eg ieeBJe ceW nes ieF& leye Gmekesâ efHelee Menj ceW Les. Gme meceĂ™e Jen mketâue ceW Leer peye Gmes keâne ieĂ™ee efkeâ Jen Iej peuoer peeĂ™es. Iej HengBĂ›ekeâj Gmeves osKee efkeâ Gmekeâer ceeB pee Ă›egkeâer Leer Deewj ĂšesĂŒ[ ieF& Leer vevner MJeslee keâes. Gmekesâ efHelee DeeS lees LeesĂŒ[e meenme efceuee efkeâvleg Je]keäle kesâ meeLe Skeâ DeeBOeer DeeF& Deewj Gmekesâ efHelee ves Skeâ veejer mes Gmekeâe HeefjĂ›eĂ™e keâjeĂ™ee Deewj keâne efkeâ Ă™en Gmekeâer veF& ceeB nw pees Dece=lee Deewj MJeslee keâer osKeYeeue keâjsieer. Yejmekeâ øeĂ™eeme kesâ yeeJepet=o Yeer Dece=lee Deewj Gmekeâer ceeB ceW YeeJeveelcekeâ leej veneR pegĂŒ[ HeeĂ™ee Deewj vee peeves keäĂ™eesb Gmekesâ efHelee Yeer kegâĂš yeoues-yeoues mes ve]pej Deeves ueies. HeefjJesMe Deewj HeefjefmLeefleĂ™eeB Dece=lee keâes neueele mes ueĂŒ[ves kesâ efueS lewĂ™eej keâjles jns Deewj MJeslee keâer lecevveeSB Gmes mebIe<e& kesâ efueS øesefjle keâjleer jneR. keâe@uespe ceW DeOĂ™eĂ™eve Deewj meeLe ner peerefJekeâe kesâ efueS OeveesHeepe&ve keâer oesnjer Yetefcekeâe efveYeeles ngĂ™es Jen MJeslee keâer øelĂ™eskeâ DeefYeuee<ee keâes HetCe& keâjves keâe øeĂ™eeme keâjleer jner. MJeslee kesâ øeefle Dece=lee ceW ceele=lJe YeeJe Flevee øeyeue nes ieĂ™ee Lee efkeâ Jen yenve kesâ yepeeĂ™e ceeB keâer Yet=efcekeâe efveYeeves ueieer Leer Deewj FmeceW Gmes keâeHeâer øemevvelee keâe Yeer DevegYeJe neslee Lee. øeke=âefle Yeer efkeâleveer efvejeueer nw, kegâĂš ueesieesb keâes Ssmee yevee

osleer nw efkeâ Jen DeHevee yeĂ›eHeve DevegYeJe Yeer veneR keâj Heeles Deewj meerOes yeĂŒ[s nes peeles Ssve. Dece=lee Yeer DeHevee yeĂ›eHeve, DeHeveer efkeâMeesjeJemLee keâes DevegYeJe veneR keâj HeeĂ™eer Deewj MJeslee kesâ oeefĂ™elJeesb keâes efueS Jen yeĂŒ[er nes ieĂ™eer, MJeslee keâer ceeB nes ieĂ™eer. Fme meyekesâ yeerĂ›e Jen Oeerjpe Hej Yeer OĂ™eeve veneR os HeeĂ™eer. oeefĂ™elJe keâe yeesOe peerJeve kesâ keâF& jbieesb keâes iegHle keâj oslee nw. kegâĂš yeÛÛes yeieerĂ›es ceW Hegâťyeeue Kesuevee Meg¤ keâj efoĂ™es. Dece=lee yeÛÛeesb keâes Kesuelee osKe DeHeveer cegmkeâjenĹĄ ĂšgHee vee mekeâer. yeeefjMe keâer keâuHevee keâj yeÛÛes Hegâťyeeue ueskeâj Glej He[s. mebYeeJevee JĂ™eefkeäle keâes keâejer keâjves kesâ efueS øesefjle keâjleer nw. Oeerjpe Yeer lees Skeâ mebYeeJevee Leer Gmekesâ peerJeve keâer. Oeerjpe keâer keâuHevee ceW Dece=lee Flevee [tye ieĂ™eer efkeâ DeHeves HeefjJesMe mes Hetjer lejn keâť Ă›egkeâer Leer. Oeerjpe Gmekesâ Snmeemeesb keâe ncemeHeâj yevee jne. eE]peoieer efkeâ Ă™ee$ee meeLe-meeLe Hetje keâjves keâe øemleeJe keâF& yeej Oeerjpe efkeâ lejHeâ mes DeeĂ™ee efkeâvleg MJeslee kesâ oeefĂ™elJeesb ves Gmekeâer Ă›eenleesb keâes nj yeej jeskeâ efoĂ™ee. Je]keäle cegÂŞer kesâ jsle efkeâ lejn mejkeâlee jne Deewj Skeâ Heue Jen Yeer DeeĂ™ee peye Oeerjpe ves HeeefjJeeefjkeâ oyeeJe efkeâ yeele keâjeles ngĂ™es efJeJeen keâe Debeflece øemleeJe Dece=lee kesâ mece#e jKee. MJeslee kesâ oeefĂ™elJe DeYeer Hetjs veneR ngĂ™es Les, keâe@uespe HetCe& keâjves ceW DeYeer oes meeue yeekeâer Les. kewâmes ĂšesĂŒ[ os MJeslee keâes? keäĂ™ee FmeerefueS Gmeves Ă™en oeefĂ™elJe G"eĂ™ee Lee? YeeJevee Deewj ceefmle<keâ ceW ngĂ™es

mebIe<e& ceW efoceeie efkeâ peerle ngĂ™eer Deewj Oeerjpe meeiej ceW otj peeleer veewkeâe efkeâ lejn vee peeves keâye efoKevee yebo nes ieĂ™ee, Dece=lee keâes Yeer veneR Helee. Oeerjpe Deepe Yeer Gmekesâ Keeueer Heueesb ceW Gmekesâ Heeme Dee peelee nw. Skeâ Depeerye meer Meebefle efceueleer nw Oeerjpe mes, Ă™etb iegcemegce yeelesb keâjves mes. Deepe Dece=lee DeHeveer mebmLee ceW DeÛÚs Heo Hej keâeĂ™e&jle nw. MJeslee JewJeeefnkeâ peerJeve peer jner nw Deewj peye keâYeer Yeer MJeslee kesâ peerJeve efkeâ KegefMeĂ™eesb keâes Dece=lee osKeleer nw Gmekesâ ceve ceW ceW Skeâ Demeerce meblegef° efceueleer nw. Dece=lee keâes DevĂ™e keâF& JewJeeefnkeâ øemleeJe DeeS Hej Jen meye ceW Oeerjpe keâes ner leueeMeleer jner Deewj Oeerjpe efkeâmeer ceW veneR efceuee. Oeerjpe lees Gmes Gmekesâ SkeâekeâerHeve ceW efceuelee nw, yeelesb keâce keâjlee nw yeme Dece=lee efkeâ yeelesb cegmkeâjeles ngĂ™es megveles jnlee nw. DeĂ›eevekeâ yeÛÛeesb keâe Meesj yengle DeefOekeâ yeĂŒ{ ieĂ™ee leLee Dece=lee ves DevegYeJe efkeâĂ™ee efkeâ yetBoe-yeeBoer Meg¤ nes ieĂ™eer nw. Gmeves DeHeves keâjerye kesâ Je=#e keâes osKee efpemekeâer HeefòeĂ™eeB yetboesb kesâ mHeMe& mes Hegueefkeâle neskeâj KegMeer ceW Petce jner Leer. Dece=lee ves meesĂ›ee pe¤j Fme Je=#e efkeâ peĂŒ[esb ceW Yeer Guueeme keâe mebĂ›ejCe ngDee nesiee LeesĂŒ[e mee Yeeriekeâj. Dece=lee keâes Yeer lees Ssmee ner DevegYeJe nw DeYeer, Oeerjpe kesâ Snmeemeesb mes Yeeriekeâj. Yeeries ceewmece ceW, Meerleue nJeeDeesb mebie, yeÛÛeesb kesâ Meesjiegue keâes mecesĹĄs Deewj efkeâmeer ieerle keâes DeHeves nes"esb Hej mepeeĂ™es, Dece=lee G"er Deewj Ă›eue HeĂŒ[er.

First Indian Woman Doctor K

Dr. Kadambini Gangopadhaya, MB

adambini Gangopadhaya (1861-1923) was the first Indian Woman Doctor who passed out MB Examination in 1886 from Calcutta Medical College & Hospital. She had to surmount himalyan hurdles to achieve her goal by tiding over the enormous social and personal predicaments of the male dominated society. Initially, she worked with the Lady Dufferin Hospital, Calcutta where she faced lot of impediments from her collegues and coworkers. Soon after, she left the job and began her private practice alongwith other social activities on her own. Later, she went to UK for higher studies and obtained degrees from University of Edinburgh and the University of Glasgow. She also studied in Ireland for sometime before coming back to India. She involved herself in various types of Social Work and the fight against the British Rule as well as the social injustice against the women. Courtesy : N.C. Majumdar, (Retd. AGM)

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nsuLe hueme H 

Fighting Stress STRESS is our body’s response to any demand made on it or pressure exerted on it. These demands or pressures are called ‘stressors’. When we are exposed to stress, the body experiences physical and chemical changes that prepare us to ‘fight or flee’. That is, we gear up either to meet the challenge or run away from it. The senses are

heightened. Hormones like cortisol and epinephrine are secreted. These reactions subside and disappear when the situation returns to normal. Stress can have positive or beneficial effects, as well as negative or harmful effects. The positive effects spur an athlete to win a race, an executive to finish an excellent presentation, a scientist to come up with creative solutions and a musician or artist to produce a brilliant work. However, prolonged or chronic stress can damage a person’s physical and psychological

health. It can trigger hypertension, heart disease and eating disorders as well as a breakdown in normal relationships with family, friends and colleagues.

Indicators of Stress an increased heart rate a rise in blood pressure dilated pupils nausea sweaty hands and feet butterflies in the stomach

Signs of Stress PHYSICAL Headaches Teeth grinding Fatigue Insomnia Back aches Stomach problems Colds

EMOTIONAL Anxiety Frustration Nervousness Depression Worrying Tension

MENTAL Forgetfulness Poor concentration Low productivity Negative attitude Confusion No new ideas

Mood swings

Lethargy

Neck aches

Feelings of despair & discouragement Shoulder pains Crying spells Increased use of Irritability medicines

SOCIAL Isolation Loneliness Lashing out Clamming up Nagging Fewer contacts with friends Using people in a manipulative way

Boredom

Stressors Deadlines – when there is work to be done and the deadline hovers menacingly. Unfamiliar situations – when you are at a party full of strangers or caught in a rioting mob or are involved in an accident. Marital conflict – when there are arguments with your spouse over major and minor issues. Children’s discipline problems – when teenagers defy and ridicule you. Financial worries – when balancing the budget becomes difficult. Elderly parents/relatives – when you are unable to give them as much attention as you want to or they are taking up too much of your time. Illness – when you or your loved ones are going through a serious illness.

Food & Other Habits Good nutrition is vital for reducing stress. Eat a balanced diet, don’t skip meals, avoid fast food and don’t drink too much coffee (2½ cups of coffee doubles the epinephrine level). Breakfast like a king. It boosts energy and mood levels and helps

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you fight stress better. Quit smoking. Nicotine, like caffeine, is a stimulant that does not help in reducing stress. Drugs like tranquilizers or other hard drugs, are never the solution to any problem, including stress.

Managing Stress Whenever you think a stressful situation is building up, and you have identified the familiar stressors, you can manage it with the following stress busters! Exercise : Aerobic exercises, brisk walking, swimming and cycling reduce stress by bringing down the levels of stress hormones. The added benefit is weight loss Relaxation Techniques : These can be performed at any time, sitting, standing or lying down. Do them several times a day to reduce tension. Deep Breathing : Inhale deeply and gently exhale through your mouth, willing all your muscles to relax. Repeat many times. Whole Body Tension : Tense every muscle in your body, hold for a few minutes but without painful effort and then release it again very gradually, feeling the energy leaving your body. Repeat thrice. Shoulder Shrugs & Head Rolls: Take your shoulders up and then bring them down several times. Rotate your head and neck both ways. Focused Breathing : Close your eyes and focus on your breathing in and out. You will become calmer.

Think Positive to Beat Stress! H Have a positive, optimistic attitude towards things. H People who are optimistic enjoy better immune systems and therefore better physical and mental health. H What others see as a closed door, optimists regard as a window of opportunity. H Optimistic people are in control of a situation and take steps to resolve a problem. H Letting go of an issue that resists change or solution can bring down stress. H Don’t dwell on the past but think of building a better future.

Social Support

Q-A by Dr. Sadhana & Vaidehi Hegde Do children suffer from stress? How do I spot signs of stress in a child?

If you feel stressed about something, confide in a friend whom you trust. Resolve conflicts within the family through calm discussion not by arguing. Communicate your needs effectively and listen to others’ needs as well. Build up a support system of neighbours, friends and family to tide you over crises.

Time Management If you plan your day, you can avoid stressful situations. Break a big task into manageable units and delegate work properly. Organize your time so that you anticipate delays and work towards deadlines in a calm, collected way, not in a manic rush. Give yourself a break from work. Workaholism is as bad as alcoholism.

Children do suffer from stress due to the huge number of exams they face nowadays and the greater emphasis on results. Parental expectations and competitiveness burden children with too many extracurricular activities leaving them little time for stress-busting play. The signs in young children: Insecurity, loss of appetite, aggressive behaviour, withdrawal from friends and stomach aches. In teenagers: Lack of selfesteem, depression, significant change in school grades, sense of disillusionment and aggressiveness. Can stress cause insomnia? Yes, stress can cause insomnia. Very often, problems do not look very big in the daytime when there are other things to distract us. But at night, when we are at leisure, problems assume larger proportions and we perceive situations to be far more serious then they are. Try and identify the cause of your stress, rationalize it and do something about it. Courtesy: Amrita Bharti, Mumbai

GÌ[eve..... KJeeefnMeeW keâer — Deveeefcekeâe efmebn keâvnewueer MeeKee cegpeHeäHeâjhegj DebÛeue kegâÚ Devemegveer, Devekeâner, DeveosKeer meer eE]peoieer meejs Snmeemeesb keâes DeHeves cesb mecesšs nw eE]peoieer Deveefievele Henuet, DeveÛeervnsb mee Deboe]pe efueS jbie-efyejbieer Ùee MJesle-OeJeue nw Ùen eE]peoieer oo& Flevee efkeâ ueies cegnB ceesÌ[ efueÙee Kegoe ves Heue cesb KegefMeÙeesb keâe Ke]peevee uegše os eE]peoieer nmejlesb nj lejHeâ, n<e& keâes leueeMes ceewmece ncekeâoce efHeâj Yeer Devepeeveer meer ueies eE]peoieer Deemeceeb keâer mewj keâjvee KJeeefnMeesb keâer ueuekeâ Ûegve uetb DeeBÛeue cesb KegefMeÙeeB Heeme Dee eE]peoieer Deeiee]pe mes Henues ner OegbOeues HeÌ[ Ûegkesâ nQ KJeeye Deeye mes DeHeves keâj HejJee]pe cegPekeâes eE]peoieer cesje nw Jeeoe efkeâ nj KJeeye mepeeTBieer ceQ cegkeâcceue keâ®Bieer DeHeveer cebefpeuesb eE]peoieer ueieve mes mepeekeâj Ketyemetjle yevetbieer keâue keâes GÌ[eve nesieer yengle TBÛeer mebie lesjs eE]peoieer.

I am Alive Priyanka Gupta Lucknow Zone I want to write a story again A soulful starting with no pain. A bud wants to blossom one more time, With colors in life and every bit fine. The shedding eyes are tired in vain, The shivering lips want to speak again. The mournful heart is tired with cry. One more time, I think, I need a try. I know I’m alive with blood in vein, But just need a Chance to live it again.

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ceeveJelee keâer Meeve, jkeäleoeve DeefYeĂ™eeve DeĂ›euee ieie& helveer Ă&#x;eer vejsvĂľ ieie&, peesOehegj cegKĂ™e MeeKee, jepemLeeve DebĂ›eue

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keäleoeve ceneoeve nw. ogIe&ĹĄvee ceW DelĂ™eefOekeâ jòeâĹ“eeJe, jòeâ keâer keâceer, nerceesHeâerefueĂ™ee, LewueermeerefceĂ™ee, Deeie mes peueves, yeĂŒ[s-yeĂŒ[s Dee@hejsMeve, keQâmej Deeefo pewmes jesieeW keâer efmLeefle ceW Ă˜eYeeefJele JĂ™eefòeâ keâes jòeâ osvee yengle pe¤jer neslee nw. jòeâ kesâ DeYeeJe ceW cejerpe keâer peeve Yeer Ă›eueer peeleer nw. LewefuemeerefceĂ™ee kesâ cejerpeeW keâe jòeâ nj ceen yeouevee heĂŒ[lee nw. heefjJeej kesâ ueesieeW Je cejerpe keâes Gme Jeòeâ yengle jenle Je megketâve efceuelee nw, peye keâesF& jòeâoelee GvnW jòeâ GheueyOe keâjelee nw. ogIe&ĹĄvee ceW Yeer Ă˜eeĂ™e: Deekeâefmcekeâ jòeâĹ“eeJe ce=lĂ™eg keâe keâejCe yeve peelee nw. FmeefueS jòeâoeve mes yeĂŒ{keâj keâesF& oeve veneR nw. nj efkeâmeer keâes Je<e& ceW keâce mes keâce Skeâ yeej jòeâoeve DeJeMĂ™e keâjvee Ă›eeefnS. Deiej Ssmee nes peeS lees ogefveĂ™ee ceW keâesF& Yeer JĂ™eefòeâ jòeâ kesâ DeYeeJe ceW Ă˜eeCe lĂ™eeieves keâes efJeJeMe veneR nesiee. jòeâoeve Skeâ Ă&#x;es‰ ceeveJeerĂ™e keâle&JĂ™e nw. jòeâoeve keâjkesâ nce efkeâmeer hej Denmeeve veneR keâjles, yeefukeâ ceeveJe nesves kesâ veeles Ă™en nceeje ceeveJeerĂ™e keâle&JĂ™e nw. jòeâoeve DelĂ™evle megketâveoeĂ™ekeâ Je Deemeeve nw. 18 mes 60 Je<e& keâer DeJemLee ceW jòeâoeve efkeâĂ™ee pee mekeâlee nw. yeme OĂ™eeve jns efkeâ jòeâoelee mJemLe nes Deewj Jepeve keâce mes keâce 50 efkeâuees nes. jòeâoeve ceW heeveer Jeeues DebMe keâer YejheeF& oes efove ceW, yeekeâer keâer Fkeäkeâerme efove ceW nes peeleer nw. FmeefueS JĂ™eefòeâ kesâ mJeemLĂ™e hej Fmekeâe efJehejerle Ă˜eYeeJe veneR heĂŒ[lee yeefukeâ hegjeves keâer peien veĂ™ee jòeâ yeve peelee nw, efHeâj keäĂ™eeW ve nce Yeer efveĂ™eefcele ¤he mes jòeâoeve efkeâĂ™ee keâjW. Deepe nj jòeâoelee keâes jòeâoeve ›esâef[ĹĄ keâe[& leLee Ă˜eMebmee he$e efoĂ™ee peelee nw. mejkeâejer Demheleeue Fme keâe[& hej DeeJeMĂ™ekeâlee nesves hej 250 efceueer. jòeâ GheueyOe keâjeles nQ. jòeâoeve ce=lĂ™eg kesâ cegbn ceW pee Ă›egkesâ Fbmeeve keâes yeĂ›ee ueslee nw. Fmekeâer cenòee mecePekeâj ner mebmeej Yej ceW JĂ™eefòeâ Deewj efJeefYeVe mebmLeeĂ™eW jòeâleeve ceW Dehevee Ă™eesieoeve osleer nQ. jòeâoeve keâe cenlJe FmeefueĂ™es Yeer nw keäĂ™eeWefkeâ jòeâ keâe keâesF& efJekeâuhe veneR nw. Ă™en ve lees efkeâmeer keâejKeeves ceW yevelee nw Deewj ve ner efkeâmeer Ă˜eĂ™eesieMeeuee ceW. efme]He&â FbmeeveeW keâe jòeâ ner FbmeeveeW keâes Ă›eĂŒ{lee nw. efkeâmeer Yeer lejn keâe keâece keâjvesJeeuee JĂ™eefòeâ Ă›eens Jen Meejerefjkeâ cesnvele keâjves Jeeuee nes Ă™ee efoceeieer keâece keâjves Jeeuee, jòeâoeve keâj mekeâlee nw. ceefnueeDeeW keâes Yeer jòeâoeve mes keâesF& hejsMeeveer veneR nesleer. kegâĂš ueesie jòeâoeve nsleg Ă™en keânkeâj mebkeâesĂ›e keâjles nQ efkeâ nceves keâYeer jòeâoeve efkeâĂ™ee ner veneR. FmeefueS nceW [j ueielee nw. Ssmeer OeejCee ieuele nw. nceW lees jòeâoeve kesâ efueS kesâJeue Deheves Deehekeâes hesMe keâjvee nw, Deeies keâe efveCe&Ă™e lees [e@keäťj keâes uesvee nw efkeâ Deehekeâe jòeâ uesvee nw Ă™ee veneR. Dele: jòeâoeve mes IeyejeĂ™eW veneR Deewj meenme kesâ meeLe mJeĂ™eb jòeâoeve kesâ meeLe ner DeewjeW keâes Yeer mJewefĂškeâ jòeâoeve nsleg Ă˜esefjle keâjW. DeeFS nce meYeer ceeveJelee kesâ Fme hegveerle keâeĂ™e& ceW Dehevee Ă™eesieoeve oskeâj ueesieeW kesâ og:Ke oo& yeeBĹĄves keâe mebkeâuhe ueskeâj Deeies yeĂŒ{W.

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veejer

meesvece eflejkesâ Denceohegj MeeKee, Yeesheeue DebĂ›eue

‘‘veejer meerlee, veejer keâeueer veejer ner Ă˜esce keâjves Jeeueer. veejer keâesceue, veejer keâ"esj veejer efyeve vej keâe keâneb Ăšesj~~’’ m$eer meceepe keâe DeeOeej nesleer nw. Skeâ meceepe kesâ efvecee&Ce ceW m$eer keâer cegKĂ™e Yetefcekeâe nesleer nw. nceejs ÂŤebLeeW ceW m$eer keâes mebmeej keâer peveveer keâne ieĂ™ee nw. Gmes osJeeW keâer lejn hetpee peelee nw Je Deeoj efoĂ™ee peelee nw. Oece& ÂŤebLeeW ceW m$eer keâes hegÂŽ<e keâer menOece&Ă›eeefjCeer keâne ieĂ™ee nw, pees Gmekesâ Oece& Deeefo keâeĂ™eeX ceW Gmekeâe yejeyej keâe menĂ™eesie keâjleer nw. Gmes hegÂŽ<eeW kesâ meceeve ner peerJeve keâe cepeyetle DeeOeej mlebYe ceevee ieĂ™ee nw. Fve meye yeeleeW kesâ yeeJepeto meceepe ceW m$eer keâer oMee oĂ™eveerĂ™e yeveer ngF& nw. meceepe ceW hegÂŽ<eeW keâer JeĂ›e&mJelee ves Gmekesâ DeefmlelJe keâes oyee keâj jKe efoĂ™ee nw. Jen Deye keânves cee$e kesâ efueS mecceeve Je Deeoj keâe Ă˜eleerkeâ yevekeâj jn ieF& nw. Jen DeeOeej mlecYe lees yeveer, hejbleg hegÂŽ<e keâer oemelee mJeerkeâej keâjves kesâ efueS. m$eer peneb Iej keâe efvecee&Ce keâjleer nw, JeneR Jen Skeâ peerJeve keâes Yeer GlheVe keâjleer nw. Fmekesâ efueS m$eer keâe efMeef#ele nesvee DelĂ™eble DeeJeMĂ™ekeâ nw. Ă™eefo m$eer efMeef#ele nw lees Jen mJeĂ™eb keâes mJeeJeuebyeer yevee uesleer nw. leLee Deheves YejCe-hees<eCe kesâ efueS efkeâmeer otmejs hej efveYe&j veneR nesleer nw. Fme lejn Jen mJeĂ™eb kesâ Thej nes jns Mees<eCe keâe efJejesOe keâj mekeâleer nw. ‘‘veejer keâe pees keâjs Deheceeve ~ peeve Gmes vej heMeg meceeve ~~’’ DeLee&led pees JĂ™eefòeâ veejer keâe mecceeve veneR keâjlee Jen efveefMĂ›ele ner heMeg meceeve nw. veejer peerJeve keâe DeeOeej nesleer nw. Jen Ă›eens lees meceepe ceW nj mebYeJe heefjJele&ve uee mekeâleer nw. meceepe ceW heefjJele&ve nsleg veejer keâe efMeef#ele nesvee Skeâ cenlJehetCe& leLĂ™e nw. efMeef#ele veejer Skeâ megvenjs YeefJe<Ă™e keâe efvecee&Ce keâj mekeâleer nw. efpevekesâ GoenjCe- Peebmeer keâer jeveer, DeefnuĂ™ee yeeF&, Ă&#x;eerceleer Ă˜eefleYee heeefĹĄue SJeb meerSce[er Dee@Heâ yeQkeâ Dee@Heâ Fbef[Ă™ee ‘Ă&#x;eerceleer Jeer. Deej. DeÙÙej’ nQ. efpevneWves efMeef#ele neskeâj Fme osMe kesâ YeefJe<Ă™e keâes megvenje yeveeves ceW hetCe& menĂ™eesie Ă˜eoeve efkeâĂ™ee nw. efpeme mLeeve hej m$eer efMeef#ele nesleer nw, Jeneb efJe<eceleeSb osKeves keâes ner veneR efceueleer nQ. nceW Ă›eeefnS efkeâ efm$eĂ™eeW keâes veece keâe Deeoj Je mecceeve oskeâj GvnW peerJeve ceW mener efJekeâeme keâjves Je peerJeve mJeleb$e ¤he mes peerves kesâ DeJemej Ă˜eoeve keâjW. keäĂ™eeWefkeâ veejer ner peerJeve keâe cetue SJeb Debeflece efyebog nw. ‘‘nj Deebieve keâer MeesYee veejer ~ Gmemes ner yemes ogefveĂ™ee meejer ~~’’

ieefleefJeefOeÙeeb

ACTIVITIES YeesHeeue cegKÙe MeeKee keâer 50JeeR Je<e&ieeb" kesâ DeJemej Hej YeeefjyeQ kesâ #es.efve. ßeer Heer.Deej.jefJe ceesnve oerHe øeppJeefuele keâjles ngS. meeLe ceW ce.øe. Sveyeerpeer (ceOÙe) ßeer Deej.S. MebkeâjveejÙeCeve SJeb Deeb.øe. ßeer jepeerJe kegâceej iegHlee.

YeesHeeue DebÛeue ceW ‘‘32JeeR DeefKeue YeejleerÙe iegueeye øeoMe&veer’’ kesâ oewjeve veiejerÙe øeMeemeve ceb$eer, ceOÙe øeosMe Meemeve ßeer yeeyetueeue ieewj keâe mJeeiele keâjles ngS Deeb.øe. ßeer jepeerJe kegâceej. meeLe ceW neefš&keâuÛej keâefceMvej, ceOÙe øeosMe Meemeve ßeer Devegjeie ßeerJeemleJe.

YeesHeeue DebÛeue keâer kegbâYejepe MeeKee Éeje cegKÙeceb$eer «eeceerCe DeeJeeme efceMeve kesâ Debleie&le 151JeeB DeeJeeme $e+Ce efJelejCe efkeâÙee ieÙee. Fme DeJemej Hej keâueskeäšj iegvee ßeer meboerHe ÙeeoJe SJeb Deeb.øe. ßeer jepeerJe kegâceej iegHlee, meerF&Dees, efpeuee HebÛeeÙele ßeer jeJele, ceekes&âeEšie øecegKe ßeer Deeueeskeâ ßeerJeemleJe SJeb MeeKee øeyebOekeâ kegbâYejepe ßeer vejsbõ DeeÛeeÙe&.

Gppewve DebÛeue ceW Ye.efj.yeQ kesâ #es$eerÙe efveosMekeâ ßeer jefJe ceesnve, Deeb.øe. ßeer Sme. kesâ. De«eJeeue SJeb GHe Deeb.øe. ßeer Deej. Deej. jepeHetle keâer GHeefmLeefle ceW øeyebOekeâesb keâes mebyeesefOele keâjles ngS.

Indore Zone, ZM Shri M. L. Goyal welcoming RD, RBI Shri P. R. Ravi Mohan during his visit to bank's stall during MSME exhibition held at Indore

Gppewve DebÛeue keâer øeâeriebpe MeeKee ceW Deeb.øe. ßeer Sme. kesâ. De«eJeeue efnle«eener ßeerceleer Fbefoje Mecee&, DeHej keâueskeäšj keâes Jeenve keâer Ûeeyeer meeQHeles ngS.

Gppewve DebÛeue ceW DeeÙeesefpele Dee@šes SkeämHees ceW mejøeeFpe efieHeäš keâer Iees<eCee keâjles meceÙe GHeefmLele Deeb.øe. ßeer Sme.kesâ. De«eJeeue, ceg.øe. ßeer Mejo iegHlee, ßeer YetHesMe keâjesefueÙee SJeb ßeerceleer He©ee peesMeer SJeb DeeÙeespekeâ. 41

Taarangan

March 2013

vesMeveue yeQeEkeâie mecetn (ceOÙe) O National Banking Group (Central)

Concurrent Auditors Meet was organized by Gujarat Zonal Audit Office. DGM & ZM Shri Sanjay Pawar addressing the Meet in the presence of GM, NBG (C) Shri R. A. Sankara Narayanan, & DGM, GZAO Shri S.R. Naskar.

DevÙe ieefleefJeefOeÙeeb L Other Activities

BOI Ladies Team with CMD Smt. V.R. Iyer along with GM (Retail) Shri R.C. Baliarsingh and DGM (Marketing) Shri A.K. Sahu at Head Office. The team participated in 5th Lavasa Women Drive from Mumbai to Lavasa.

GM (HR) Shri A.P. Ghugal released the ‘Directory of members’ of BOI Retired staff association (Mumbai & Goa) in the presence of functionaries of association at Mumbai.

GM (Retail) Shri R.C. Baliarsingh receiving “CARING COMPANY AWARD” at World CSR congress 2013 at Mumbai.

DM MCB-I Shri S. M. Ganju, GM (MCB-1) Shri A. K. Jain, CM Shri S. C. Chouhan, AGM Shri Monoj Das with other staff members on the occasion of opening ceremony of MCX-SX Clearing House Operation.

Bank Executives and Officers during Standard Chartered Mumbai Marathon 2013.

LDM Indore District Shri Satish Sant is handing over sanction letter to beneficiary of Govt. Scheme during Antyodaya Mela Organised by State Govt.of M.P at Indore.

ceefnuee mšeHeâ meomÙeeW kesâ efueS cenlJehetCe& metÛevee nce Ùen metefÛele keâjvee ÛeenWies efkeâ yeQkeâ ceW keâeÙe&jle ceefnuee mšeHeâ meomÙeeW keâer ‘keâeÙe&mLeue hej ueQefiekeâ Mees<eCe’ mes mebyebefOele efMekeâeÙeleeW kesâ efueS ØeOeeve keâeÙee&ueÙe ceW Skeâ meefceefle keâe ie"ve efkeâÙee ieÙee nw. ke=âheÙee DeeJeMÙekeâlee heÌ[ves hej, efvecveefueefKele meomÙeeW mes mebheke&â keâjW. ßeerceleer kesâ.Deej. ßeerceleer / Smt. K.R. Shrimati - DGM, NBG (W) – (022)61870470, Mob.: 09920059455

Ahmedabad Zone ZM Shri Sanjay Pawar, DZM Shri T.N. Krishnakumar, AGM (SMECC) Shri P.K. Sinha during ‘Chartered Accountant Meet’ at Ahmedabad.

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ßeerceleer De¤Cee Deefivenes$eer / Smt. Aruna Agnihotri – (022)22682040 ßeerceleer ceeOeJeer mee"s / Smt. Madhavi Sathe – (022)66684502 ßeerceleer Deefvelee Leesceme / Smt. Anita Thomas – (022)66684690

%eeveJeĂŚ&ve H ď ‹ď Žď ?ď —ď Œď …ď „ď ‡ď …ď€ ď ?ď Œď •ď “

Role of Women in Traditional Manipuri Society Eunice N. W/o of Shri Mangminlen Touthang NBG (South), Chennai

Meira Paibis (women in flaming torches)

W

omen in the Northeast and Manipur in particular have always been at the forefront of economic, political and social fabric of households and the larger society. In majority of the cultures of Northeastern India, indigenous women traditionally manage trade and commerce. The Manipuri society is patriarchal but women play a central role. They are also producers of many goods including textiles, food, earthenware etc. They are the most active conservers of biodiversity (agro, wetland and forest), both through their farming practices, which nurtures it, but also through their active promotion of the local food cultures. The ‘Ima keithel’ meaning “Mother’s Market� at Khwairamband Bazar at the heart of Imphal city is considered as one of the biggest marketplace in Asia solely run and controlled by women. Here one can find many handicraft products as well as all kinds of vegetables and home grown fruits. The historic place is symbolic of the local women’s active engagement in economic,

social, and often, political affairs in the state. It is a glaring example of women’s independent role and the maintenance of an indigenous system, which is also a surviving mechanism of various cottage industries in the region. These markets called “Keithel� in Manipuri are an example of the sophisticated system of trade. Market plays a significant role in their socioeconomic life and for majority of them it is the only means of livelihood. It has a distinctive position, because of its function as a controlling institution of women that affects and contributes to the whole economy of the state. It is a glaring example of how women continue to play a role in the economy and society, which is in continuance of the earlier form of social structure. The role of Manipuri women in society was prominent since ancient times. The old Manipur kingdom fought many wars and men went away to fight for months during which women filled their shoes, even trading in Imphal’s markets. It is worth noting that the Manipuri women fought

Nupi Lal (Women’s war) Memorial

Ima Keithel (Mother’s market) at Imphal

the British with bare hands in the famous “Nupi Lal� (Women’s War) of 1904 and 1939 in protest against use of men for forced labour by the British under the then political agent P. Maxwell. The “Meira Paibis� literally, women with flaming torches is the largest grassroots, civilian movement fighting state atrocities and human rights violations in Manipur. For decades, the women have faced the state’s armed might and aggression with nothing more than their will and unity. The movement by Meitei women began in the 1970s as a drive against alcoholism and drug addiction. The women would walk in groups at night; impose fines on drunkards, and burn stocks of alcohol. Liquor was eventually banned in the state. Since then they have fought crimes against women and the Armed Forces Special Powers Act (AFSPA). The Meira Paibis were recognised with ‘Lifetime Contribution Award’ during the recent Times of India (TOI) Social Impact Awards.

43

Taarangan

March 2013

keâeJÙeebpeefue H 

keâneefveÙeeB pÙeeslmvee Helveer ßeer Sve.[er.HeeC[sÙe ieebOeerveiej DebÛeue

F&-cesue : jyotsnapaney1967@gmail.com Keewueles keâoceeW kesâ meeLe oewÌ[leer nQ keâneefveÙeeB Hekeäkeâer meÌ[keâ Hej Fvekeâer Heer" Hej Deeefoce Úeues nQ LeesÌ[er efpeo efkeâ DeHevee nesvee ÙeneB nes peeS ope& LeesÌ[er veceer oo& keâer Heer" menueeleer, yeÌ{eleer newmeuee - efkeâ oewÌ[es, oewÌ[es Gve efkeâveejeW Hej peneB efceuelee nw meceboj mes Deemeceeve GueerÛelee nw yeeuet Keesue oes JeneR Hej DeHeves kesâMe efkeâ yejmes Gvemes veceer Deewj vecekeâ LeesÌ[e yeeoue Yeer Pejves oes ----

yeeuet Deewj yeeoue Hej Deemeeve veneR HeoefÛeÖ ÚesÌ[vee efveMeeveeW keâes Ieguevee jnlee nw uenjeW ceW uenjeW keâe Deblece&ve Heeveer ceW Iegueleer vecekeâ keâer [ueer ---vecekeâ nw efkeâ Yej peelee nw Úeuees ceW jsle keâes efpeo Úuekeâ DeeÙes jkeäle mes efÛeHekeâves keâer Deewj šerme Fmekeâe lees DeHevee ner Skeâ ce®osMe nw ---keâneefveÙeeB nes peeleer nQ veeieHeâveer pecee uesleer nQ DeHeves HeeBJe jsle ceW ienjs lekeâ nJee mes DeHeves efnmmes keâer veceer meesKe Jes Skeâ ÛesleeJeveer efJenBmeleer nQefkeâ `GKeeÌ[es cegPes, GpeeÌ[es cegPes KejeWÛe otBieer, cegPes vekeâejs peeves kesâ meYeer omleeJespe` ---keâneefveÙeeB efueKeer ngF& m$eer nQ ----

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keäÙee cesje meeLe ieJeeje nw? HeuueJeer Pee ueeue yeeie MeeKee, cegpeHeäHeâjHegj DebÛeue ueiee keâesF& efHeâj Deepe HÙeeje nw, ceve Skeâ yeej efHeâj neje nw, DeeBKeeW ceW cesjer PeebKeeW lees mener, keäÙee Ùes øeefleefyebye legcneje nw~ ceve keâer lejbie lespe ngF&, meeBmeeW keâer ieefle Jesie ngF&, ùoÙe ngDee JÙeekegâue nw, keâneR Ùes Snmeeme legcemes lees veneR? let nBmelee ngDee DeekeâeMe ueies, nj Heue keäÙeeW cesjs Heeme ueies, OeÌÌ[keâve keâes cesjer megve lees ]peje, keäÙee uesleer Ùen veece legcneje nw? legceves MeeÙeo Ùen HetÚe nw, Kego keâer cesjer FÛÚe lees veneR, HetÚes lees ]peje keäÙee cegPekeâes ngDee, cesje Deepe keâneR let ner lees veneR~ Heue-Heue cesje ueies efKeuee-efKeuee, ceQ Yetueer meye peyemes let efceuee, cesjs ueyeeW keâer nbmeer keâneR let lees veneR, keäÙee cesje meeLe ieJeeje nw?

Gcceero YeeiÙeßeer DeYÙebkeâj Dekeâesuee MeeKee veeiehegj DebÛeue-2

keâue keâer ienjer Goeme Meece keâes cewbves legPes Hegkeâeje Ss eE]peoieer peerJeve ceW DeHeveer megvenjer efkeâjCesb meceeb ÚeF& mÙeen Ieše keâes nše eE]peoieer ¤"er ngÙeer nbmeer keâes cevee meketBâ ceQ ÚeF& DeeBKeesb keâer Goemeer efceše meketBâ ceQ Heuekeâesb cesb KegefMeÙeeB Deewj cegmkeâeve efoueeves Yeškeâer jeneW keâes kegâÚ Deemeeve yeveeves jespe keâer lejn Deepe Yeer DeeBKe ueie ieF& yeerle ieF& efHeâj jele Hegkeâejles legPes eE]peoieer uesefkeâve efHeâj HeefjJele&ve keâe Denmeeme ngDee ogefveÙee efHeâj ueieves ueieer veF& eE]peoieer Ûesnjs Hej Meebefle Deewj DeeBKeeW cesb KegefMeÙeeB Kego keâes osKekeâj nwjeve nes ieF& cesjer ogefveÙee kewâmes Ùen HeefjJele&ve mebYeJe, keäÙee ngDee DeÛeevekeâ Ùeeo DeeÙee keâue jele efceueer Gcceero meKeer Skeâ Gcceero meKeer lees cesjer eE]peoieer lees ve yeoue HeeÙeer GÌ[e ues ieF& mÙeen Ieše cegPeHej Leer pees ÚeÙeer cegPes peerves keâer veF& jen Hej Jen ÚesÌ[ ieF& Gcceero ceerle yeve OeÌ[keâve cesb cesjs jn ieF&~

yesšer keâer efkeâuekeâejer jbpevee helveer ßeer DeMeeskeâ kegâceej ieebOeer veeieHegj DebÛeue-2

øeke=âefle keâer DevegHece jÛevee nw veejer Fmeer keâer ieeso ceW Heueleer ogefveÙee meejer peye keâYeer DeeÙes keâesF& mebkeâš Yeejer cegkeâeyeues keâer Hetjer jKeleer nw lewÙeejer~ Oejleer mes veejer keâer leguevee nw HÙeejer efHeâj Yeer Deyeuee keânueeleer Ùen veejer nj ®He ceW nesleer nw cecelee keâer HegâueJeejer Yeues nes efJeJeeefnle Ùee nes Jen kegBâJeejer~ Debleefj#e nes Ûeens Iej keâer ÛeejefoJeejer Ùee efHeâj keâjveer nes yeyyej Mesj meJeejer nj ®He ceW nj peien ceefncee Fmekeâer vÙeejer ietBpeves oes Iej-Iej ceW yesšer keâer efkeâuekeâejer~ 45

Taarangan

March 2013

ď ’ď …ď Œď ď ”ď ‰ď ?ď Žď “ď ˆď ‰ď ?ď€ ď ‚ď …ď ™ď ?ď Žď „ď€ ď ‚ď ď Žď ‹ď ‰ď Žď ‡

By: B. P. Pathak Branch Manager, Shivaji Circle Branch Rajkot Zone

O

ne day evening in January 2010, a female student of Mahila College approached the branch along with her father at 5.30 p.m. for finance of sewing machine under schematic finance. I saw her zero balance savings bank pass-book of our Krishnanagar branch and address which was near to our branch. I nodded & assured to visit her residence the next day. I found the proposal as reasonable and disbursed the loan. Thus proper attention after office hours and prompt action paved the way for further strong relationship and accrual of huge deposits and sale of Gold Coins. Upon interaction with her father, he advised that his wife has inherited agricultural land along with her other 5 sisters & proposes to sell the land. The deal was under process. He sought my assistance and guidance. I had arranged a get-together meet of all concerned (6 sisters and in-laws) & understood the whole situation. They were practically illiterate and appeared to be incompetent to handle the deal/ transactions. I advised them to open savings bank a/c. of all the major family members. I arranged for submission

of PAN card applications of all major members of the family through known agent. Thus it was ensured for timely obtention of their PAN CARD for future cash transactions. When the potential deposit did not pop-up in time, I found upon follow-up that deal was intentionally delayed by developers of land by one or other reasons, especially so called legalities & complicating social matters. I intervened for execution of the deal and was successful to materialize the deal. We got ` 1.12 crore deposits with 5 Sud-life policies last year. Our patience, assistance and human approach had won their hearts. Meantime, it was transpired to me that son-in-law of the depositor (Brotherin-law of the student borrower) was

O

GM NBG (East), Shri Prem Kumar handing over a cash award of ` 50,000/- to Branch Manager Otar Branch Shri Debashish Ghosh for his act of bravery in an incident of robbery. CM (Maj.) Samir Vishwakarma, and SM (Security) Capt. Shivaji Ghose are also in the photo.

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to sell ancestral agricultural land in a short time in 2012. Due to successful episode in past, he preferred to talk with me to ascertain my stature & commitments Gradually & humanly, I involved myself with due respect to diffuse legal issues in the matter. Initially one of the co-owners of land (3 brothers) opened 20 savings bank a/c’s with us with sizeable deposits. With the passage of time & full commitment of staff, human approach and mutual trust, we could bring the entire family under our fold. This generated deposit of more than Rs.6.50 crores and sale of 8.3 kg. Gold Coin through us / city branches recently. We have recently felicitated the female student borrower, who has given us flow of money like “LAXMI� in presence of her father. Positive human approach, staff support & full wholehearted commitment can bring miracles, even in difficult & competitive scenario.

n 14.12.2012, in an incident of robbery at our Bank’s Otar Branch, Jamshedpur Zone, an armed robber after a casual talk with the Branch Manager, started abusing & hitting the Branch Manager, Shri Debashish Ghosh, who was manning the cash cabin in absence of the cashier. Shri Debashish Ghosh was hit & jostled by the robber who was demanding that cash and cash safe keys be handed over to him. The robber hit Shri Ghosh on his head with the butt of his revolver, which resulted in a round being fired from the revolver, towards the wall. The robbers forcibly took away cash amounting to ` 1,14,980/- from the cash counter & fled from the branch. Shri Ghosh suffered deep wounds on his head & was bleeding profusely. An amount of ` 3.30 lacs which was kept inside the cash cabin could be saved due to the resistance, bravery & resilience shown by Shri Ghosh inspite of his receiving bodily injuries inflicted in the armed robbery committed at the branch.

meHeâuelee keâer keâneveer H ď “ď •ď ƒď ƒď …ď “ď “ď€ ď “ď ”ď ?ď ’ď ™

Shri Jayeshwar Vasantro Khedkar, agriculturist from Village Rotha, PO Hindi Nagar, Tehsil & Distt. Wardha approached Abhay Centre Wardha with a complaint against one of the PSB, Wardha Branch regarding hidden & irregular debits in his Crop Loan Account wherein he has already repaid entire crop loan amount with interest. Thereafter, he had never availed crop loan in the said a/c from the bank. However, the a/c was not closed at bank level.

GM (HR) Shri A.P. Ghugal, GM(Rural) Shri N.C. Khulbe, DGM (FI) Shri S.K. Somani along with the the Governing Council Body of ABHAY Trust and officials of FI Dept. at Head Office.

T

he Credit Counseling services were started under the aegis of the Trust “ABHAY� which was launched at the hands of the then His Excellency President of India Dr. A.P.J. Abdul Kalam at New Delhi on 25th August, 2006. The first center was inaugurated at Mumbai by Governor, Reserve Bank of India Dr. Y.V. Reddy, on 7th September, 2006 which was followed by Centers at Wardha in Nagpur, Chennai, Gumla in Jharkhand and Kolkata. Our Bank has opened 46 Financial Literacy Centers during the year 2011-12 and 2012-13 in all Lead Districts of the Bank.

Main Objectives of the Trust ‹ Advising on gaining access to structured financial system including

banking ‹ Creating awareness among the public about financial management ‹ Counseling people who are struggling to meet the repayment

obligations and helping debt resolution ‹ Helping in rehabilitation of borrowers in friendly and timely guidance

coupled with related support extended by the counselors will not only mitigate the immediate stress of the trapped individuals and their households, but it will also help to infuse confidence in others who are in distress, irrespective whether they are customers of Bank of India or other Banks. With the common objectives of counseling the borrowers, different focus is being given in metro/urban and rural areas, to meet their different needs.

In the meantime, he received a notice from the bank to pay ` 3169.70, the outstanding balance in the said crop loan a/c. He then approached the bank branch and enquired about the notice. He was replied by the branch that outstanding balance in the a/c was owing to crop loan insurance of `1737/for the year and quarterly folio charges @ ` 50/- per quarter debited by the system. Branch asked him to repay the entire outstanding amount due to him. He requested the branch to waive the charges as he had not availed the crop loan after closure of a/c at his end. Branch did no acceded to his request. Finally, he approached our ABHAY Centre at Wardha. We advised him to write an application addressed to the Branch and a copy to their Controlling officer and to us. Counselors at Wardha, persuaded the matter over phone with the Branch Manager as well as their controlling office, to which the outstanding balance due from Shri Khedkhar was waived by the Bank. Shri Khedkar thanked the Abhay Centre for counseling and valuable guidance.

47

Taarangan

March 2013

veF& MeeKeeSb H 

Nungambakkam Branch, Chennai Zone

Koraput Branch, Bhubneshwar Zone

Cantonment Branch of the future, Karnatka Zone

peceeuehegj DeJeevee MeeKee, uegefOeÙeevee DebÛeue

Sanjaynagar Branch of the Future, Karnatka Zone

Jakhri Branch, Rajasthan Zone

Maruti Estate Branch, Agra Zone (Shifting into New premises)

js[cee Ûeewkeâ MeeKee, jebÛeer DebÛeue

meenhegj MeeKee, jebÛeer DebÛeue

iesjeyeeÌ[er MeeKee, Yeeieuehegj DebÛeue

Babudih Branch, Dhanbad Zone

Kajikaray Branch, Varanasi Zone

NJP Branch, Siliguri Zone

VESVI Branch, Ratnagiri Zone

Bukkapuram Branch, Hyderabad Zone

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Marimanahalli Branch, Karnatka Zone

New Bhind Branch, Bhopal Zone

Pandurangapuram Branch, Hyderabad Zone

peerJeepeer Ûeewkeâ MeeKee, Yeesheeue DebÛeue

Rajlaxmi Padhi Bhubaneswar Zone

A daughter is God’s choicest blessing on Earth She is caring, compassionate and loving. Karond Branch, Bhopal Zone

vejiee MeeKee, peceMesohegj DebÛeue

Yeevehegje MeeKee, Gppewve DebÛeue

IeCšeIej MeeKee, Keb[Jee DebÛeue

keâes"eryeepeej MeeKee, Keb[Jee DebÛeue

ueefo«eme MeeKee, veeiehegj-2 DebÛeue

Kind, humane and generous, she lends you direction and purpose of life, Mischievous though, she fills up your life with laughter and sunshine And when you are down and hurt, she is the perfect soothing balm. From the time, she is born, she makes you smile and keeps your spirits flying high As she grows, older and older, she fills your heart with pride. Charming & special, she will always remain Keeping pace with you as friend, companion & soul mate forever. 49

Taarangan

March 2013

efJeÛeej H 

I believe that “A Woman is Loved Not Because She is Beautiful. She is Beautiful Because She is Loved.” Sunila Rao CTO, Shiroda Branch, Goa Zone

As we again prepare to have yet another day celebrating being WOMEN (on 8th March)…. I wonder if it is necessary to have all these special days like Mother’s day, Father’s day, Family day, Friendship day, Valentine day, Children’s day, International Women’s day…… do these days have an auspicious hour (Mahurat) like certain festivals….. Gudi Padwa, Ganesh Chaturthi, Dasera, Deepavali. No! Because for every one who is alive, each day will be a new day to celebrate life…. irrespective of your roles as a parent, sibling, friend, spouse, lover etc.

F

rankly, today my country, India is not a safe place for girls/women. A girl child is not much wanted in this country even today. In a country where every day nearly 2000 girls go missing, where atrocities on them keep growing every day (as reported in various newspapers/news channels), the Khap-Panchayats keep issuing discriminatory verdicts against girls, what is required first is a safe environment for women to be born, live and prosper to their optimum capacity. Apart from the menace of female foeticide, India has the highest number of child brides...about 24 million. This represents 40% of the 60 million child marriages globally. In India, child marriage and even marriage is justified on the premise of tradition and custom. Traditions are basically man-made and serve to bind societies together. But the tradition of child marriage is harmful and when we know that certain traditions are harmful, we ought to change them. Has this change occurred ? No. Teenage girls are married off sometimes to much older men and the

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young girls have no say in the matter. The parents think that by marrying off their daughters at an early age they are performing their sacred duty and also protecting their daughters. In reality the child brides are susceptible to insufficient education, ill health, domestic violence and poverty. The children born of these child brides will themselves be weak and will be affected by malnutrition and prone to dying before they reach the age of 5. The young mothers are caught up in a vicious cycle of ignorance, illhealth, poverty and death. The weak, suppressed generation of girls cannot lead to the emergence of a new, stronger generation. To empower women let us first prepare the foundation for them by allowing them to complete their education, grow to be healthy adults, earn their livelihood and contribute in the decision making processes in their personal and professional lives. Empowerment of girls is the key to security and development of families all over the world. Progress in the world will be halted if the amazing force that educated and healthy

women can generate is not properly harnessed. But in India so long women folk continue to be discriminated even before they are born how can they empower themselves. I look forward to reading/hearing some reassuring news on a regular basis where brave women and men say NO to age old traditions and create safe zones for themselves and others too. The sad fact in India even today after 67 years of independence is that poverty, lack of basic amenities like primary education, health and sanitation drives parents to marry daughters early. There are laws to prohibit child marriages and these laws have been in existence since 1920s and the laws were given more teeth in 2006. During the Mughal rule people used to marry off young girls to save them from atrocities inflicted by the rulers. And today, our own country men are responsible for molesting them on a large scale…and that is so scary…!!! This just proves one thing – the failure is on the part of successive Governments (State & Central) to put in place deterrents by timely punishments to the perpetrators of

crimes against women folk and provide basic right of education, primary health, sanitation, and housing to ALL in the country. An enormous number of our citizens have been deprived of the above and abject poverty and ignorance is their lot and in their ignorance they seek succor in age old meaningless customs and traditions. Even if a family is brave enough to break free from these traditions, they are excommunicated by their kith and kin for their dare. Our policy makers, the legislation, educational institutions, citizens need a huge leap in understanding that our mothers were once young girls and there is an urgent need to harness the strength of women in reducing risks by providing a mechanism that includes women in the growth of her gender. And that she too is an important component in the running of this beautiful universe. Creation of imbalance in male/female sex ratio leads to horrors which Director Manish Jha showed in his award winning film “MATRUBHOOMIâ€?. We must enlist the services of celebrities to reduce the continuing horrors on girls. Amitabh Bachchan has been instrumental in polio being almost eradicated in this country. His voice resonates with ‘DO BOOND ZINDAGI KIâ€? and lo ! on the given dates parents with children visit the booths for the polio vaccination. London Olympics bronze Medallist woman boxer MC MaryKom, Badminton champion Saina Nehwal, P T Usha, Karnam Malleshwari, Shiny Abraham, Kiran Bedi, Medha Patkar, Lata Mangeshkar, Asha Bhosle, Arundhati Roy,Deepike Padukone, Anushka Sharma, Kareena Kapoor, Mahendra Singh Dhoni, Sachin Tendulkar, Viral Kohli, Abhinav Bindra, Sushil Kumar, Azim Premji, Narayana Murthy. Adi Godrej, Mukesh Ambani and such other celebrities can be requested to be the voice to stop atrocities on girls. Some of the above celebrities have been endorsing various consumer products and earning crores‌.why not now use their powerful image to eradicate some abhorrent social evils too. There are several gentlemen who are supportive to the cause of women, let them and us develop strategies to improve global health, education, gender equality and stop degrading practices and customs. Only then generation after generation women can fulfill their potential if they are given a life of their choice. Ask any man- if women did not exist all the money in the world would have no meaning. And what would men be without women – Scarce‌. mighty scarce!

Tips For Successful Life T. Singari Saibaba Colony Branch Coimbatore Zone

Success Route 1. Planning 2. Execution 3. Approaches

4. Achievements 5. Enjoyments/Experience

Welfare of the Family ‹ Do not Comment ‹ Do not Command ‹ Do not Demand

Peace in the Family z z z

Tolerance Adjustment Sacrifice

WIVES DAY Leaving the parents and parental home And the birth place, the wife Keeps fulfilling the responsibilities Anticipating nothing like sage She took me as her husband And cares for me with love and affection She finds pleasure in serving others For her is sing this song And bless to live long

Five fold culture 1. 2. 3. 4. 5.

I will live with my own I won’t harm anybody’ I won’t kill anything or I will respect freedom I will do everything to

Vow (Sangalpam) 1. I, during my life time, will not harm anyone in any form 2. I will always try to help the needy and remove their worries and also protect them. Source : Vethathiri Maharishi’s Yoga for Human Excellence

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Taarangan

March 2013

Ă‚ef°keâesCe H ď –ď ‰ď …ď —ď€ ď ?ď ?ď ‰ď Žď ”

Too Little But Not Too Late

Women‌ Channel Your Worth

Akshaya D/o Shri D. Lalitha Bhat, Chennai CPC

Cynella D/o Mrs. Yvette Maria Dias, Ponda Branch, Goa Zone

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he poem below is significant of a woman’s journey through mean margins of a corporate and incensed society and her stride of conquest.

A dream inside, I set afoot‌. my worth to spell‌.through biased routes I worked hard, I worked right, I gave them my best and did not rest‌ Soaring high on flights of triumph‌ a green-eyed arrow saw me crashing down Then, a display of harsh tones and fiery eyes‌that suppressed my stature and framed my pride‌.. They now walked with heads held high and bestowed me with pitiful smiles‌.. I made a choice to raise my voice‌. to flash injustice and reclaim my plight‌‌ Through this, I salvaged my very being and gave life to a new beginning‌. Shuttling the chaos of chauvinistic views‌. I staged a stand and placed a view‌ I chased and chased‌until I achieved.... the respect and gratitude I truly believed So be a beacon and lead the trail that will brighten every tomorrow and enlighten every day‌‌ Well, over time and distance, amidst all kinds of injustice and discrimination that prevailed, we women have always nurtured, a conscious consideration, of marching our tenacious beliefs and vigilant efforts to strengthen our existence, by ensuring a well deserved life. Each year around the world, International Women’s Day (IWD) is celebrated on March 8. Many of us fail to understand the significance of this day‌.. For some of us, it’s just another celebration of love and affection, while to some others; it’s a march down the street or a silly conference that ends up as another neighbourhood quarrel. But, what we fail to understand, is that Women’s day is much more than that, it is the celebration of championing women’s equality in the face of an indignant society, it’s a day to realize that females should be able to live equally and have all the opportunities to achieve what they want-it’s the day, we embrace our freedom and the very essence of us being women. The theme of the International women’s day 2013 is gaining momentum over the gender agendaIt’s a call to all women- to join hands and stand up for what is right and catapult ourselves from the clutches of any gender bias. So be a beacon and lead the trail that will brighten every tomorrow and enlighten every day‌..

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I

Women Empowerment

n a country where male-chauvinism was not a derogatory term but an accepted norm, women have now begun to assert themselves, mostly so in the urban areas - thanks to education. But the moot point is whether equality among the sexes has been achieved - Not just on paper but in a broader sense. Agreed, some women today hold positions of power. We can easily identify with women like Sonia Gandhi, Kiran Mazhamudur Shah, Chanda Kochhar and the like, who are decision-makers and whose decision impacts thousands of lives. This however is but a small though powerful section of women, who have been fortunate enough to have had access to education and to public life. Majority of women, especially in the rural areas still continue to believe themselves inferior and subjected to the menfolk and remain confined to their household chores. Come to imagine, that for most of these homemakers, their very own dwellings do not seem safe enough, where they are subjected to domestic violence and abuse. Society speaks of women empowerment and the menfolk boast of sending their daughters abroad for education, of giving them ‘freedom’ and ‘independence’. But are women being respected in society - rather than just being accepted? It is still considered unsafe for women to go out after dark. Instead of asking our daughters to be constantly vigilant, it is necessary that our sons are taught to respect the fairer sex. Our sons need to be taught that to violate a woman’s privacy - even mentally, is no less than animal behaviour. Forget about major issues such as rape etc. In our society, a majority of the menfolk cannot stand the sight of a woman behind the wheel of a car! And come to think of it – in case the driver turns out to be a woman, should anything go wrong, it is always the woman driver who is at fault. Dowry is still a compulsory practice in most marriages, even among the upper middle classes where women are traded for money. Isn’t this degradable and a greater evil than even prostitution - when one decides the price for a woman? One might argue so-and-so percentage of reservations are being made for women in all fields from politics to education. While it is indeed necessary in panchayats and other local bodies, is it not an insult to a woman’s intelligence while the same is being done in educational institutions? By doing so, we are in-fact deigning women as inferior in terms of ability. Reservations might be the easy option out, but definitely not a wise one. Instead of reserving seats, it is high time we taught our menfolk to educate women in their family, to respect their identity and contribution to society at large. True equality will be achieved only when women are accepted as equals - not just merely tolerated.

Ă‚ef°keâesCe H ď –ď ‰ď …ď —ď€ ď ?ď ?ď ‰ď Žď ”

Krunali D/0 Shri I.K. Parmar, NBG (C ), Ahmedabad

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o all the women – ‘‘You are a child of God. Your playing small doesn’t serve the world. There is nothing enlightened about ‘shrinking’ so that other people won’t feel insecure around you.� When we say woman power or woman empowerment, it is very easy to spell out word empowerment. What is empowerment? It means overall development of a woman but when we talk about the empowerment of woman, we forget to realize the difficulties faced by a woman to be successful. In the above quote the word ‘shrinkage’ gives us the broad idea about women’s sacrifices and difficulties towards success. We can see that after independence, lots of work has been done towards the upliftment of women, but still there is a hitch in our society to accept a successful woman especially in rural areas. They are still restricted to be a homemaker and do not have acceptance as a decision maker. Both in villages and developing cities, there are very less opportunities for women’s to prove their potential. The question arises, is society ready to accept a strong woman, a successful woman? What does it mean to be a strong woman or successful women? Well, it is not as simple as it sounds or even when put into words. But in shorter definition, it states an overall personality of a woman which consists of self-esteem, self-confidence and the power of decision making. Self confidence and self-esteem helps a woman to grow and to be respected by each one. The history speaks for itself that

women’s were treated equally and were having equal rights then males in ancient times but in last decades there has been a huge decline towards women’s equality. Today, now again due to realization of woman as important human resource, the concept of “Woman Empowerment� is gaining ground. Once again, the efforts towards women empowerment have helped women’s to realize their identity, capability, strength and power. It has helped them in being now vocal. The efforts put in by civil societies, women organizations and other Government institutions; the lot has been done to uplift women and their position in society in whole. today women’s are able to deal with day to day challenges without depending on their husbands. One rural woman was quoted as saying: “Earlier when we used to go to the bank we were shy, but now we are confident and look at the bank official in the eye and say, deposit our money.� It is important that woman should be supported by her family for his growth. It is also pertinent for society to accept women’s strength and empower her suitably so that they can show his strength and deliver on all fronts. Woman is the source of power i.e. why she is known as Adishakti. There are so many successful women in our society namely Smt. Indira Gandhi, Ms Chandra Kochar, Kiran Bedi, Aeronaut Kalpana Chawla, Sunita Williams and present CMD of BOI Mrs V.R. Iyer etc. Recently, from Ahmedabad, one noble lady Ms Elaben Bhatt founder of self-employment women’s association

(SEWA) has been conferred Indira Gandhi peace prize by Hon’ble President Shri Pranab Mukherjee for her excellent contribution in empowering women through grass root Entrepreneurship. It shows the confidence and passion of a woman. I want to say to all women’s that we are powerful with every potential within us so let us together awake and achieve greater heights and prove our mantle and accomplish more and more in every sphere of life. Explore your potential, be stronger and more competitive!

veejer keâe mJe¤He efkeâve MeyoeW ceW otb HeefjYee<ee veejer legce nes meyekeâer DeeMee mejmJeleer keâe ¤He nes legce ue#ceer keâe mJe¤He nes legce yeĂŒ{W pees peye DelĂ™eeĂ›eejer ogiee& keâeueer keâe efvepe ¤He efveKeejer~ KegefMeĂ™eeW keâe mebmeej nes legce øesce keâe Deeieej nes legce cecelee keâe mecceeve nes legce mebmkeâejeW keâe DeeOeej nes legce Iej Deebieve keâes jesMeve keâjleer metjpe keâe ocekeâej nes legce~

Deefoefle Jecee& meesueve MeeKee, Ă›ebĂŒ[erieĂŒ{ DebĂ›eue

keâYeer keâesceue Hetâue iegueeye meer keâYeer Meefkeäle kesâ DeJeleej meer mvesn, HĂ™eej Deewj lĂ™eeie keâer Fkeâueewleer ceOegOeej meer veejer lesjs ¤He Deveskeâ let F&MJej kesâ Ă›ecelkeâej meer~

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Taarangan

March 2013

Ă‚ef°keâesCe H ď –ď ‰ď …ď —ď€ ď ?ď ?ď ‰ď Žď ”

As the thought flows‌.. Satarupa Bhattacharya C/o Miss Madhupriya Guha Kolkata Zone

I must begin with a confession – it was sort of disconcerting when I was asked to share my thoughts on Women and Women’s Day. And it’s especially not easy when you are just five hours away from the deadline, sitting outside an operation theatre and trying to get your thoughts together on paper on a topic that has largely been a philosophical abstraction all your life – women’s rights.

I

have been fortunate to be born and brought up in a liberal family where differentiation between a girl child and her brother is unheard of. We are a family of three sisters who were brought up in the true traditions of an educated middle-class Bengali family – brought up to believe that life was good as long as we found a strong academic footing, carved out a secure career for ourselves and finally settled down with a decent man who would respect our education, values and independence. And we stuck pretty much to that course. Denial of basic rights, violence against women, coercion or discrimination have been by and large theoretical constructs – causes we have morally supported and argued for in drawing room talk, but forgotten shortly afterwards as we retired into our more or less comfortable cocoons. The odd remark on the streets, the rare, occasional snub at the work place or the fleeting conflict of gender values with the hubby or any other family member have all been light enough to be brushed under the carpet. So, to actually articulate values on women’s rights is taxing to say the least. I rack my brains – but really, why do I need to do this? More importantly, do I really care? What is it like to be told that the best piece of the cake baked by your mom belongs invariably to your brother? Or that you cannot wear a certain type of clothes simply because ‘good girls’ don’t? How does one feel when a promotion

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rightfully belonging to her goes to a male colleague for no explicable reason? Or when your husband does not think it is even aberrant to slap you across the face in a moment of heated argument? And to think that there are many for whom these are lesser, trivial issues‌ really, I cannot even bring myself to think or talk about the more brutal, sordid forms of injustice that a billion women across the world find themselves staring at. I want to just shut my ears and eyes, perhaps join an intellectual conversation on the issue with colleagues and friends but I cannot – and do not want to – confront my deeper fears and feelings on this issue (that is, if I have any at all). I am just another working woman, balancing the demands of mom-hood and the bank statement with equal competence, and of course, I am proud to be a woman. But it ends there – I cannot get involved in more vociferous activism or spare more thought for women’s rights than this. And I am about to chuck the paper in the bin and toss the pen back into my handbag when the nurse rushes out, beams at me and tells me “It’s a girl.â€? My younger sister – the darling of our family, the one who we have tried to protect and shelter all our lives from everything ugly and unfair – has given birth to a baby girl. She looks like a ball of cotton and her eyes are shut tight. My heart melts and aches from the pleasure of it – what do I want her to see when she opens those eyes and goes out into the world? Does this wee bit of our hearts deserve the world we live in today? Will she forgive me if I don’t fight for a better one? And it is then that it strikes me. I have to rush home. I still have two more hours. I have to break the shell and start a dialogue -with myself and with the world. For my son who should grow up to earn the respect of every woman he meets, for my niece who should not have to live either in denial, as I have, or in fear, as so many more do. And so, this is just the beginning of that conversation‌ ‌‌

efJeefJeOe

pĂ™eesefle helveer Ă&#x;eer Ă›evĂľ ceesnve Mecee& je°^erĂ™e yeQefkebâie mecetn (oef#eCe)

Dee

efokeâeue mes efnvot Oece& ÂŤebLeeW ceW Ă›egbyekeâerĂ™e Ă˜eJeeneW, efoMeeDeeW, JeeĂ™eg Ă˜eYeeJe iegÂŽlJeekeâ<e&Ce kesâ efveĂ™eceeW keâes OĂ™eeve ceW jKeles ngS Jeemleg Meem$e keâer jĂ›evee keâer ieF& leLee Fve efveĂ™eceeW kesâ heeueve mes ceveg<Ă™e kesâ peerJeve ceW megKe-Meebefle Deeleer nw Deewj Oeve-OeevĂ™e ceW Yeer Je=efĂŚ nesleer nw. Jeemleg Jemlegle: he=LJeer, peue, DeekeâeMe, JeeĂ™eg Deewj Deefive Fve heebĂ›e lelJeeW kesâ meceevegheeeflekeâ meefcceĂ&#x;eCe keâe veece nw. Fmekesâ mener meefcceĂ&#x;eCe mes (yeeĂ™ees Fuesefkeäť^keâ cewievesefĹĄkeâ Svepeea) keâer Glheefòe nesleer nw, efpememes ceveg<Ă™e keâes Gòece mJeemLĂ™e, Oeve SJeb SsMJeĂ™e& keâer Ă˜eeefhle nesleer nw. ceeveJe Mejerj osJeleeDeeW keâes Yeer ogue&Ye nw, keäĂ™eeWefkeâ ceeveJe Mejerj hebĂ›elelJeeW mes efveefce&le neslee nw Deewj hebĂ›elelJeeW ceW efJeueerve nes peelee nw. Jeemleg Yeer hebĂ›elelJeeW keâe efJe%eeve nw. Ă™es efkeâmeer Oece&, peeefle, JĂ™eefòeâ efJeMes<e Ă™ee mecegoeĂ™e mes veneR pegĂŒ[e nw, Ă™es Skeâ efvecee&Ce Deewj OJebme keâer Ă˜eef›eâĂ™ee nw, pees meye kesâ efueS meceeve nw. Ă™eefo ceveg<Ă™e Deheves cekeâeve keâes Fme Ă˜ekeâej yeveeĂ™es pees Ă˜eeke=âeflekeâ JĂ™eJemLee kesâ Deveg¤he nes lees Ă˜eeke=âeflekeâ Tpee& Ĺ“eesleeW keâes YeJeve kesâ ceeOĂ™ece mes Deheves keâuĂ™eeCe kesâ efueS Fmlesceeue keâj mekeâlee nw. Jeemleg kesâ efveĂ™eceevegmeej nceW hetJe& keâe efnmmee Keguee jKevee Ă›eeefnS efpememes hetJe& ceW Gefole nesves Jeeues metĂ™e& keâer efkeâjCeeW keâe YeJeve kesâ Ă˜elĂ™eskeâ Yeeie ceW Ă˜eJesMe nes mekesâ Deewj ceveg<Ă™e Tpee& keâes Ă˜eehle keâj mekesâ keäĂ™eeWefkeâ metĂ™e& keâer Ă˜eele:keâeueerve efkeâjCeeW ceW efJeĹĄeefceve ‘[er’ keâe yengcetuĂ™e Ĺ“eesle nw. Fmeer lejn ceOĂ™eeĂ– kesâ heMĂ›eele metĂ™e& keâer efkeâjCeW jsef[Ă™eesOeefce&lee mes ÂŤemle nesves kesâ keâejCe Mejerj hej efJehejerle Ă˜eYeeJe [eueleer nQ. FmeefueĂ™es YeJeve efvecee&Ce keâjles meceĂ™e Ă™es

OĂ™eeve jKeW efkeâ metĂ™e& keâer efkeâjCeeW keâe Ă˜eYeeJe Mejerj SJeb cekeâeve hej keâce heĂŒ[s FmeefueS Jeemleg efveĂ™ece kesâ Devegmeej oef#eCe heefMĂ›ece keâe Yeeie Gòej-hetJe& kesâ Yeeie mes pĂ™eeoe TbĂ›ee Je {keâe ngDee yeveeĂ™eW. pewmes metĂ™e& mes Tpee& efceueleer nw, Gmeer Ă˜ekeâej DeekeâeMe Skeâ ceewefuekeâ lelJe nw. DeekeâeMe ceW efmLele Tpee& keâer leer›elee, Ă˜ekeâeMe, ueewefkeâkeâ efkeâjCeW, efJeĂ…egle Ă›egbyekeâerĂ™e yeue, iegÂŽlJeekeâ<e&Ce Meefòeâ he=LJeer leLee DevĂ™e ÂŤeneW hej heeF& peeleer nw. YeJeve-efvecee&Ce kesâ meceĂ™e ncesMee yeÇÿe mLeeve Keguee jKee peelee jne nw. Fme meceĂ™e HeäuewĹĄ meYĂ™elee nesves keâer Jepen mes nce yeĂŒ[e Deebieve lees veneR yevee heeles, hejbleg nceW Deheves yeÇÿe mLeeve keâes LeesĂŒ[e nukeâe Deewj Keeueer pe¤j jKevee Ă›eeefnĂ™es. oef#eCe hetJe& keâe keâesvee Deefive keâesCe keâne peelee nw. Fme keâesCe ceW Ă™eefo nce jmeesF&Iej keâe efvecee&Ce keâjW lees Deefle Gòece Deewj Ă™eefo FveceW hetJe& keâer lejHeâ cegKe keâjkesâ Keevee hekeâeĂ™ee peeĂ™es lees nceW efJeĹĄeefceve ‘[er’ Deewj ‘S’ keâer Ă˜eĂ›egj cee$ee Yeer efceuesieer Deewj Iej ceW meYeer keâe mJeemLĂ™e Yeer DeÛÚe jnsiee. he=LJeer hej peue Skeâ cenlJehetCe& lelJe nw. peue kesâ efyevee peerefJele jn heevee mebYeJe veneR nw, Ă›eens Jees Ă˜eeCeer nes Ă™ee JevemheefleĂ™eeb. heĂ™ee&JejCe keâer iece& JeeĂ™eg "b[er neskeâj lejue ¤he ceW heefjCele nes peeleer nw Deewj efveĹ mebosn Gmeer mes yeeoue yeveles nQ Deewj yeeoueeW mes peue efceuelee nw. peue ceW Skeâ DebMe Dee@keämeerpeve Ă™ee Ă˜eeCeJeeĂ™eg keâe neslee nw. Iej ceW peue keâe mLeeve MegĂŚ efoMee ceW nesvee Ă›eeefnS. heeveer keâe veue, peue mebÂŤen SJeb Ăšle keâer ĹĄbkeâer mener nesveer Ă›eeefnS. he=LJeer leLee DevĂ™e lelJeeW mes peerJeve ›eâce DeejbYe ngDee nw, FmeefueS he=LJeer keâes ceelee keânles nQ. YeJeve efvecee&Ce keâjles meceĂ™e Yetefce hetpeve keâe JeemleefJekeâ GĂśsMĂ™e Ă™ener nw. heĂ™ee&JejCe leLee JeeĂ™egceb[ue mes yeenj keâer Deveble MeefòeâĂ™eeW mes he=LJeer keâe Ieefve‰ mecyevOe nw. peye efkeâmeer ceeveJe kesâ ‘Deewje’ #es$e mes efkeâmeer YeJeve ceW Ă˜eJeeefnle Tpee& DeefOekeâ DeMegĂŚlee efueĂ™es nesleer nw lees Gmekesâ mJeemLĂ™e SJeb mece=efĂŚ hej efJehejerle Ă˜eYeeJe nessves ueieles nQ. Ă™eefo YeJeve keâer Tpee& MegYelee efueĂ™es nes lees Gmekeâer mece=efĂŚ nesves ueieleer nw.

kegâ. ueef#elee megheg$eer Ă&#x;eer jepesMe kegâceej Mecee& Deesyesoguueeiebpe MeeKee Yeesheeue DebĂ›eue Yeesueer meer, hĂ™eejer meer megboj meer, vĂ™eejer meer. Iej keâer ue#ceer mejmJeleer meer ogiee& meer keâeueer meer cesjer ceeB, hĂ™eejer ceeB! jnleer legce YetKeer yeÛÛeeW keâe hesĹĄ nes Yejleer ncekeâes legce efye"eleer ieesoer ceW Kego Oejleer hej ner mees peeleer cesjer ceeB, hĂ™eejer ceeB! efmeKeeleer ncekeâes mebmkeâej legce mener jen hej Ă›eueeleer nes legce keâYeer [eBĹĄleer hĂ™eej mes efmej hej neLe efHeâjeleer nes legce cesjer ceeB, hĂ™eejer ceeB! Deehekeâes ve Yetue heeTBieer mebmeej ceW peneB Yeer peeTBieer lesjs efoS mebmkeâejeW keâes ieues mes ueieeTBieer peneB Yeer jntBieer lesjs ner iegCe ieeTBieer ieeTBieer, ieeTBieer, cesjer ceeB, hĂ™eejer ceeB!

Blood Donation Smt. Arti Deepak Killedar joined Bank on 25.05.1982. She is working as CTO at R.T. Road Branch, Nagpur Zone-1. Her Blood Group is "O" Negative, which is rare Blood Group. She has donated Blood 34 times. She donates only to the needy patients. She has been felicitated by many organizations for donating Blood. Smt. Killedar is also active member of Bank of India Star Cultural Group and she regularly participates in Singing and Drama Programme.

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veS SšerSce

ATM

leesheÛeebÛeer MeeKee, Oeveyeeo DebÛeue

jeFËmegDeeb MeeKee, keWâogPej DebÛeue

kegâmeF& keâe@ueesveer, jebÛeer DebÛeue

Bulara Branch, Ludhiana Zone

Sanquelim Village Branch, Goa Zone

MRIMS Branch, Hyderabad Zone

KPHB Branch, Hyderabad Zone

Sangareddy Branch, Hyderabad Zone

Pachal Branch, Ratnagiri zone

yeebiejerheesMeer MeeKee, keWâogPej DebÛeue

GGES Branch, Bokaro Zone

leejebieCe

ceeÛe& 2013

56

Artist with Passion

ØeefleYee H 

keâesunehegj DebÛeue ceW jbieesueer mheOee& keâe DeeÙeespeve Vaishali Ramteke, Nagpur Zone I

Ms Vaishali Ramteke, Sr. Manager (Law), Nagpur Zone I is born artist with talent in sketching and painting. Her talent is God gifted. She started sketching beautifully at the tender age of 3-4 yrs. With the support and encouragement from her parents and without any formal training, her talent and hard work bore fruits. She received many Awards at School and District level and also exhibited her sketches and paintings in annual functions of Law College and got many appreciations. She displayed her art in the famous Furnishing House “Tangent” in Pune. Ms. Ramteke is passionate towards her art and still manages to pursue it despite her busy schedule in Bank. However, she persues it after banking hours or in holidays. Good wishes to her from 'Taarangan'.

Sweet Memories

keâesuneHegj DebÛeue ceW mLeeveerÙe MeeKeeDeesb SJeb DeebÛeefuekeâ keâeÙee&ueÙe keâer ceefnuee keâce&ÛeeefjÙeesb kesâ efueS jbieesueer mHeOee& keâe DeeÙesepeve efkeâÙee ieÙee. FmeceW kegâue 22 ceefnueeDeesb ves Yeeie efueÙee Deewj 6 ceefnueeDeesb keâes Hegjmkeâej efoS ieS. efpemeceW ßeerceleer efJeÅee HeeOÙes, ßeerceleer meefjlee ceÙeskeâj, ßeerceleer ceevemeer yeJes&, ßeerceleer eføeÙebkeâe meercej osMeHeeb[s Deewj ßeerceleer nsceuelee peeOeJe keâes ›eâceMe øeLece, efÉleerÙe SJeb le=leerÙe Hegjmkeâej øeoeve efkeâÙee ieÙee.

ßeerceleer efJeÅee HeeOÙes keâesunehegj DebÛeue

ßeerceleer meefjlee ceÙeskeâj DebyeeyeeF& cebefoj MeeKee Asha N. Kerala Zone

Thoughts often comes to me Of those foregone days When our lives was an ocean of Joy When we knew nothing but love and happiness Where has it vanished to Leaving nothing but fears and pains Reminding me once again that nothing lasts forever In this world of mortals.

ßeerceleer ceevemeer yeJex

5 57 7

Taarangan

March 2013

Kesueketâo H 

Report S. Madhavan Organising Secretary Bhopal Zone

T cegbyeF& oef#eCe DebÛeue kesâ Deeb.øe. ßeer [er.kesâ. ieie&, omeJešer efJeYeeie ›eâer[e ceC[ue (cegbyeF&), efÛeHeuetve jepÙemlejerÙe JÙeeJemeeefÙekeâ keâyeñer mHeOee& ›eâceebkeâ-3 kesâ efJepeslee šerce SJeb š^e@Heâer kesâ meeLe.

Patna Zone, ZM Shri Kulbhushan Jain and DZM Shri R.N. Lal with the participants during Annual Sports Day organized for staff members.

Siliguri Zone organized Zonal Sports Meet at Siliguri. The woman participants during spoon race event.

uegefOeÙeevee DebÛeue ceW Deeb.øe. ßeer Deveble GHeeOÙeeÙe DeeÙe& keâeuespe ceW DeeÙeesefpele DeebÛeefuekeâ ef›eâkesâš øeefleÙeesefielee kesâ efJepeslee ‘«eerce šerce’ kesâ meomÙeesb kesâ meeLe.

leejebieCe

ceeÛe& 2013

58

he BOI Inter Zone Carrom Tournament was hosted by Bhopal Zone at STC Bhopal under the aegis of the Bank’s Sports Control Board, Mumbai. The tournament was inaugurated by Shri R.A. Sankaranarayanan, GM, NBG (C) accompanied by Officer Director on the Bank’s Board & Member of our Bank’s Sports Control Board Shri Harvinder Singh, ZM Bhopal Shri Rajiv Kumar, President of the Organising Committee, Shri Bikker Bahadur – Hon. Secretary of our Bank’s Sports Control Board, Shri C.K. Chavan & Shri Satyajit Mitra, member of our Bank’s Sports Control Board, Shri Ashutosh Chandel, General Secretary of the BOI Officers’’ Association MP & CG Unit & Com Prabhat Khare President of the BOI Staff Union MP.

In the Team Championship Mumbai Nodal Zone emerged victorious and in the Individual Men Shri Nagsen Etambe & in the women’s section Smt. Anupama Kedar were winners. Trophies were presented to the Winner & Runners in the team championship besides presenting all the winners, runners & losing semifinalists in all the events with prizes. Regional Director RBI & Nominee Director on our Board Shri Ravi Mohan graced the occasion with his presence and handed over the trophies & prizes.

Denceoeyeeo DebÛeue ceW Deblej DebÛeue kesâjce ØeefleÙeesefielee keâe GodIeešve keâjles ngS Deeb.Øe. ßeer mebpeÙe heJeej. meeLe ceW, Ghe Deeb.Øe. ßeer šer.Sve. ke=â<Cekegâceej SJeb DevÙe mšeHeâ meomÙe.

FORM IV

OeÇgJe leejs O DHRUV TAARE Smt. Poonam Tatwawadi, an Officer with our Kolar Road Br. Bhopal Zone has been selected to represent India to participate in the World Senior Badminton Championship to be held at Ankara, Turkey in September 2013. Poonam has participated in the World Senior Badminton Championships held at Canada in 2011, Spain in 2009, Taipei in 2006 & Malaysia in 2004, where she won a Bronze Medal in Women Singles.

aA Shri Sunil Desai, staff posted at Bhopal Zone has qualified to represent Indian Team to participate in the World Senior Badminton Championship to be held at Ankara, Turkey in September 2013.

aA Shri Ganesh Ahuja, Azadpur Branch receiving 1st prize at the hands of MLA & President, Table Tennis Federation of India Shri Ajay Singh Chautala during 46th Haryana State Inter Distt. & Open Table Tennis Championship held at Sirsa, Haryana.

aA Puneet Kumar SME City Center, Ahmedabad CAIIB

Ghosh Goutam Kumar Kolkata Zone CAIIB

Raiyani Ravi CTO Vadia Branch CAIIB

Statement about ownership and other particulars about newspaper (House Journal entitled “Taarangan”) to be published in the first issue every year after the last day of February. 1. Place of Publication : Bank of India, Head Office, Star House, C-5,’G’Block, Bandra- Kurla Complex, Bandra (E), Mumbai - 400 051 2. Periodicity of its publication : Quarterly 3. Printer’s Name : Shri S. M. Shakeel Nationality : Indian Address : Bank of India, Head Office, Star House, C-5,’G’Block, Bandra- Kurla Complex, Bandra (E), Mumbai - 400 051 4. Publisher’s Name : Shri S. M. Shakeel Nationality : Indian Address : Bank of India, Head Office, Star House, C-5,’G’Block, Bandra- Kurla Complex, Bandra (E), Mumbai - 400 051 5. Editor’s Name : Shri S. M. Shakeel Nationality : Indian Address : Bank of India, Head office Star House, C-5,’G’Block, Bandra- Kurla Complex, Bandra (E), Mumbai - 400 051 6. Names and addresses of individuals who own the newspaper and partners or shareholders holding more than one percent of the total capital. i)

The President of India, Government of India, Ministry of Finance, Dept. of Financial Services, Jeevan Deep Bldg., Parliament Street, New Delhi - 110 001.

ii) Life Insurance Corporation of India, Investment Dept., 6th Floor, West Wing, Central Yogakshema, Jeevan Bima Marg, Mumbai - 400 021 iii) Lazard Asset Management LLC A/C LAZARD Emerging Markets Port, HSBC Securities Service, 2nd flr, Shiv Plot No. 139-140, Western Express Highway, Sahar Rd, Vile Parle (E), Mumbai - 400 057 I, Shri S. M. Shakeel, hereby declare that the particulars given above are true to the best of my knowledge and belief. Date : 01.03.2013

Sd/- S. M. Shakeel Signature of the Publisher

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Taarangan

March 2013

DevÙe peevekeâejer H 

 “”

‘BOI In-House Journal Taarangan’ conducted Two days National Conference of its 55 Zonal Representatives across country at MDI, Belapur on 1-2 March, 2013. GM (HR) Shri A.P. Ghugal graced the occasion along with DGM (L&D) Shri Rakesh Sinha, Principal & DGM Shri B.V. Upadhye, DGM (HR) Shri M.K. Gupta Vice Principal, MDI Shri Chandra Mohan & Editor Shri S.M. Shakeel. Guest Speaker from RBI AGM Smt Savitri Singh and renowned PR personality Shri S.N. Surkund deliver lectures. Shri V.P. Srivastava, CM & Faculty was coordinator of the conference.

GM (HR) Shri A.P. Ghugal addressing the Zonal Representatives During two days, Zonal Representatives were explained the role of Journal in terms of Internal Communication and Employee Engagement. During the conference, Best Zonal Representatives were conferred Taarangan Award 2012. Shri Dhirendra Singh (Bhubeneswar Zone), Smt. Hazara Sayed (Kolhapur Zone), Shri Amrish Kumar (Bhopal Zone), Smt. Swati Sarin (MSZ) were given 1st, 2nd, 3rd and 4th prize respectively at the hands of GM (HR) Shri A.P. Ghugal.

peceejeefMe

Shri C.K. Patel, Divisional Office, Ahmedabad ` 148 crores

v DEPOSIT

Shri Narender Muneswar Shri Swapan Dey Freeganj Branch, Mautali Branch Ujjain Zone Kolkata Zone ` 5.40 crores ` 4.16 crores

CMD Smt. V.R. Iyer giving away the award for Best Branch NBG (W). during Mumbaibased Branches Managers' Meeting at Head Office. Malad (East) CM Shri Joginder Singh receiving the award in presence of GM NBG (W) Shri P.S. Rawat.

F&ceeveoejer / meleke&âlee

Shri Vijay Ghode Indorama Branch Nagpur-1 Zone ` 3.17 crores

leejebieCe

ceeÛe& 2013

ßeer veejeÙeCe Ie[mes, Fb[esjecee MeeKee, veeiehegj-1 DebÛeue ` 1.42 keâjesÌ[

60

Shri R.D. Ladey Dongargaon Branch Nagpur-1 Zone ` 0.52 crores

ßeer censvõ uecYeeles Fboewj cegKÙe MeeKee Fboewj DebÛeue

Shri Pandharinath ßeer šerkeâejece keâueeue ßeer ueeskesâMJej L. Kamble ceeueJeerÙe veiej MeeKee hebÛeJešer MeeKee Kalwa Branch jepemLeeve DebÛeue Denceoeyeeo DebÛeue Navi Mumbai Zone

My Trips in

Japan

It has been about one year now since I retuned from Japan. During the stay in Tokyo. I had gone on so many trips and had fun. I would like to share my fun with you about my two memorable trips in Japan.

I

went to Gala Yuzawa Resort in 2009 along with my BOI Families in staying in Tokyo. The Gala Resort is in the town of Enchigo Yuzawa in Niigata Prefecture. It is located about 200 km towards north of Tokyo. The place is famous for its impressive snowfall, and skiing spot from 1,181 m down to 800 m. The Gala Yuzawa Resort is perfect place to enjoy the excellent snow condition. We started our journey at 8 a.m., by bullet train and reached the Gala Yuzawa Sta. in 80 min. On reaching the Gala Yuzawa Station, we hurriedly collected our skiing gears and took ropeways to reach the Gala Resort. It was very sunny day and the place was filled with snow which was considered perfect weather for skiing. We saw many people skiing perfectly, many learning and others enjoying the scenic beauty of the spot. We too started skiing however someone was falling on snow, someone struggling, however, all we kids were moving forward. It was a great fun and

enjoyment to see all these things which I cannot forget in my whole life. I visited Mt. Fuji in June, 2010. Mt. Fuji, Japan’s most famous mountain stands 3,776 m (12,388 feet) above sea level at the borders of the neighbouring prefectures of Shizuoka, Nagano and Yamanashi. It is locally Known as Fuji-san. It is undoubtedly, the most recognized and beloved symbol of Japan. The mountain itself is a dormant volcano formed by three separate volcanoes, one of which last erupted in 1689.

Ă™ee$ee Je=leeble H ď ”ď ’ď ď –ď …ď Œď ?ď ‡ď •ď …

Shraddha Simgh D/O Mr. Arvind Singh Bhayandar Branch religious pilgrimage. Many religious sects still consider Fuji-san sacred and a great number of pilgrims attempt the climb each year. Although, less than 0.5% of the total population will ever make it to the summit. Mt. Fuji is about 100 km from Tokyo and we started our journey by bus. We had opportunity to see the scenic beauty of Japan including thrill of bike race. We could see and feel the clouds very near and the natural beauty was unbelievable. We reached the highest point to have very close view of Mt. Fuji and everybody was full of thrill and joy. I thank to Bank of India which made possible such wonderful trips.

According to the legend the first person to reach the summit of Mt. Fuji was Prince Shotoku, who in 598 BC was presented with a horse that flew him to the top of the mountain. In the past, Mt. Fuji was considered a God and climbing the mountain began as a

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Meer<e&keâ øeefleÙeesefielee – HeefjCeece

Meer<e&keâ øeefleÙeesefielee – HeefjCeece

(efmelebyej, 2012 Debkeâ)

(efomebyej, 2012 Debkeâ)

Je<e& 2007 mes øeejbYe Meer<e&keâ øeefleÙeesefielee kesâ Debleie&le ncesb DeHeves Hee"keâesb keâer øeefleef›eâÙee øeeHle ngF& nw, Meer<e&keâ cet=uÙeebkeâve ves meYeer øeeHle Meer<e&keâesb keâe DeOÙeÙeve efkeâÙee. leodvegmeej HeefjCeece efvecveefueefKele nQ:

øeLece Hegjmkeâej ` 300/JemegOee Helveer ßeer jecekegâceej jeÙe Ûekeâeuee MeeKee, DebOesjer (cegbyeF&) ‘`keâesF& yeesPe veneR nw Yeejer, peye peesMe nes Flevee meÛÛee keâesF& cebefpeue otj veneR nw, peye efkeâÙee Fjeoe Hekeäkeâe’’

efÉleerÙe Hegjmkeâej ` 200/kegâ. øeefleYee Mecee& peeJeje MeeKee, Gppewve DebÛeue

Je<e& 2007 mes øeejbYe Meer<e&keâ øeefleÙeesefielee kesâ Debleie&le ncesb DeHeves Hee"keâesb keâer øeefleef›eâÙee øeeHle ngF& nw, Meer<e&keâ cetuÙeebkeâve ves meYeer øeeHle Meer<e&keâesb keâe DeOÙeÙeve efkeâÙee. leodvegmeej HeefjCeece efvecveefueefKele nQ :

øeLece Hegjmkeâej ` 300/Deeueeskeâ kegâceej, ieeefpeÙeeyeeo DebÛeue `‘HÙeej ceW HÙeej keâe Skeâ Deewj ¤He efoKee efoÙee ceeveJelee efvele efove HeÌ[ jner Heâerkeâer, Fmekeâe Denmeeme keâje efoÙee, Fvekeâes osKees Fvekeâe DeHevee Iej veneR neslee, Hej efoue ceW Skeâ ogpes kesâ efueS, HÙeej keâe Skeâ Iej yevee efoÙee~’’

efÉleerÙe Hegjmkeâej ` 200/-

`‘Deeies yeÌ{ves keâer nw Ûeenle Deewj efnccele, meeLe cesb nw leekeâle Deewj cesnvele~ yeesPe mes ve [jlee, ve Lekeäkeâj ¤keâlee, Deeies ner Deeies njoce yeÌ{lee~’’ Fvekesâ Meer<e&keâesb keâer mejenvee keâer ieF& :cebpeg yeeuee — kesâMeeHegj ie>ece MeeKee, øeYeekeâj Fueces — Yeb[eje MeeKee, meerlee Helveer vebo efkeâMeesj øepeeHeefle — ueesne MeeKee, meefjle Ke$eer — jepemLeeve DebÛeue, kewâueeMe Ûevo ceerCee — jepemLeeve DebÛeue

HeJeve kegâceej HeJeve, vÙet cegpeHeäHeâjveiej MeeKee ‘`keânles nQ efkeâ HegjKes Les Jeevej keâYeer~ Deye lees efJekeâefmele nes ieÙes nQ nce meYeer~ És<e F&<Ùee& yeÌ{ jner Fbmeeve ceW, HÙeej yeekeâer nw HeMegDeeW ceW DeYeer~’’ Fvekesâ Meer<e&keâeW keâer mejenvee keâer ieF& :vesne iegHlee — jepeHegj jes[ MeeKee, ceOegkeâj mesef"Ùee — Smešermeer YeesHeeue DebÛeue, cegveeHeâ DeveJejYeeF& MesKe — keâmletjyeeOeece MeeKee, øeYeekeâj Fueces — Yeb[eje MeeKee

Meer<e&keâ efueefKeS-21 Je<ee& DeefYeÛeboeveer ceeveJe mebmeeOeve efJeYeeie, Øe.keâe.

meeceves efoS ieS efÛe$e keâe Meer<e&keâ efueKekeâj nceW Yespe oerefpeS. Ûeens Jen keâefJelee keâer hebefòeâÙeesW ceW nes Ùee Skeâ-oes MeyoeW ceW. meJe&ßes‰ Deewj ßes‰ Meer<e&keâ hegjmke=âle efkeâS peeSBies. Ùeefo Deehe Meer<e&keâ ceW efkeâmeer DevÙe keâefJe/uesKekeâ keâer hebefòeâÙeeB ØeÙeesie keâjles nQ lees Gmekeâe GuuesKe keâjsW.

leejebieCe

ceeÛe& 2013

62

Sce.[er. hegjmleer, YegJevesMJej DebÛeue

keâneB - keäÙee?

?

DeOÙe#e SJeb ØeyebOe efveosMekeâ keâe mebosMe ....................................... 4 Editorial....................................................................... 5

keâeJÙeebpeefue ...................................................................... 8 Women's Day Celebrations... .................................... 9

mebheeokeâerÙe ceb[ue S. heer. Iegieue

Editorial Board A. P. Ghugal

ceneØeyebOekeâ

General Manager

hegef<heboj efmebn

Pushpinder Singh

ceneØeyebOekeâ

General Manager

jekesâMe efmevne

Rakesh Sinha

Ghe ceneØeyebOekeâ (De. SJeb efJe.)

Dy. Gen. Manager (L&D)

yeer. Jeer. GheeOÙes

B. V. Upadhye

Ghe ceneØeyebOekeâ SJeb ØeeÛeeÙe&

Dy. Gen. Manager & Principal

mebheeokeâerÙe oue mebheeokeâ Sme. Sce. Mekeâerue

Editorial Team Editor S. M. Shakeel

Woman, The Source of Life ...................................... 10

06

Khas-Khas

Deblejje°^erÙe ieefleefJeefOeÙeeb ................................................... 12 ieCeleb$e efoJeme ................................................................ 13 Women and New Consciousness............................. 14 New General Managers ........................................... 15

Ùen DeeJeMÙekeâ veneR efkeâ heef$ekeâe ceW Úhes uesKeeW ceW JÙeòeâ efJeÛeej yeQkeâ kesâ neW. Opinions expressed in Articles published in this magazine do not necessarily reƀect the views of the Bank. Contact : The Editor, Taarangan, Bank of India, Head Ofſce, HR Dept., 9th ƀoor, Star House, C-5, G-Block, Bandra-Kurla Complex, Bandra (E), Mumbai-400 051 You can send your contributions by e-mail at headofſce.taarangan@ bankoſndia.co.in Printed, Published and Edited by S. M. Shakeel on behalf of Bank of India, published from Head Ofſce : Star House, C-5, 'G' Block, Bandra-Kurla Complex, Bandra (E), Mumbai-400 051 and printed at Magna Graphics (India) Ltd., Kandivali (W), Mumbai-400 067.

16

Empowerment of Women?

JesoeW ceW veejer keâe cenlJe ..................................................... 17 Training..................................................................... 18

vesMeveue yeQefkebâie mecetn (Gòej) .............................................. 19 Women Leaders in Banking ..................................... 20

21

2013 Year of Threat and Opportunities for Banking Sector

nceW DeeHekeâer ie=nHeef$ekeâe ‘leejebieCe’ keâe efomebyej 2012 Debkeâ HeÇeHle ngDee, OevÙeJeeo. Debkeâ keâer He=<"meppee Deewj ÚeÙeebkeâve yengle DeÛÚe nw. uesKe `Dee@efHeâme Keeleesb keâe jKe-jKeeJe' %eeveJeæ&keâ ueiee Deewj keâeJÙe He#e ceW HeÇkeâeefMele ke=âefleÙeeb keâeefyeues leejerHeâ nw. Deeieeceer Debkeâesb kesâ efueS nceejer lejHeâ mes MegYekeâeceveeSb. ßeer peer.Sve. meesceosJes, me.ce.HeÇ. (jepe.) je<š^erÙe DeeJeeme yeQkeâ meJe&HeÇLece DeeHekesâ yeQkeâ keâes ‘DeeOeej SkeämeerueWme DeJee[& 2012’ keâer HeÇeefHle Hej neefo&keâ yeOeeF&. ie=nHeef$ekeâe ‘leejebieCe’ efJeefMe<š SJeb vetleve peevekeâejer efueS ngS nw. Heef$ekeâe keâe keâJej-He=<" ve kesâJeue Deekeâ<e&keâ SJeb megboj nw DeefHeleg Heef$ekeâe keâer efJeefMe<šlee keâes Yeer oMee&lee nw. Heef$ekeâe ceW HeÇkeâeefMele meYeer efJe<eÙe %eeveJeOe&keâ SJeb jesÛekeâ nQ. jÛeveeSb ÙeLee Right to Education Act, Dee@efHeâme Keeleesb keâe cenlJe SJeb jKe-jKeeJe, HeÇeefme keâe efJe%eeve pewmeer jÛeveeSb efJeMes<e peevekeâejer HeÇoeve keâjleer nQ. efÛe$eebkeâve efJe<eÙeesHeÙegkeäle SJeb megboj nw. [e@. ÛejCepeerle efmebn, Jeefj.HeÇ. (jepe.) Hebpeeye SC[ efmebOe yeQkeâ DeeHekeâer ie=nHeef$ekeâe keâe efomebyej, 2012 Debkeâ HeÇeHle ngDee. efJeefJeOeleeDeesb mes HeefjHetCe& Ùen Heef$ekeâe yeQkeâ Dee@Heâ Fbef[Ùee keâer ieefleefJeefOeÙeesb mes DeJeiele keâjeves ceW meHeâue jner nw. meeLe ner, FmeceW Meeefceue yeQeEkeâie mebyebOeer uesKe %eeveJeOe&keâ SJeb mlejerÙe nQ. yeQeEkeâie efJelle kesâ veS #es$e ‘keâeye&ve ›esâef[š’ Hej ßeer [er. Ûebõceewueer keâe uesKe Fme #es$e ceW keâejesyeej keâer mebYeeJeveeSb leueeMeves ceW yeQkeâjesb kesâ efueS GHeÙeesieer nesiee. Heef$ekeâe ceW Meeefceue HetJe& keâce&ÛeeefjÙeesb kesâ uesKe efjMleesb keâer peceeHetbpeer keâLeve keâes meekeâej keâjles nQ. Heef$ekeâe kesâ meHeâue SJeb GHeÙeesieer mebHeeove kesâ efueS neefo&keâ yeOeeF&. ßeer osJesvõ efmebn jeJele, ceg.HeÇ. (jepe.) osvee yeQkeâ DeeHekesâ yeQkeâ keâer ie=nHeef$ekeâe ‘leejebieCe’ keâe efomebyej, 2012 Debkeâ HeÇeHle ngDee. ‘leejebieCe’ keâe DeeJejCe He=<" mekeâejelcekeâ leLee mebJesoveelcekeâ Tpee& keâes HeÇefleefyebefyele keâjlee nw. Heef$ekeâe ceW yeQeEkeâie peiele kesâ DeeuesKeesb kesâ meeLe-meeLe efJeefJeOe efJe<eÙeesb Hej meejieefYe&le uesKeesb keâe meblegefuele mecevJeÙeve DeeHekesâ SJeb DeeHekeâer šerce kesâ keâef"ve Heefjßece keâe HeefjÛeeÙekeâ nw. peesefKece HeÇyebOeve Hej meerSce[er cenesoÙee kesâ DevegYeJe mes HeefjHetCe& DeeuesKe ¤efÛekeâj SJeb %eeveJeOe&keâ nw. efJeMes<e ¤He mes yeesb[e DeeefoJeemeer keâer peerJeve Mewueer mes mecyeæ DeeuesKe cece&mHeMeea leLee HeÇeÛeerve meYÙelee SJeb mebmke=âefle keâe efveoMe&ve keâjves Jeeuee nw. keâeJÙeebpeefue ceW ie]peue SJeb ieerle oesveesb ner ùoÙe-mHeMeea nQ. ßeer efJepeÙe efceße, ceneHeÇyebOekeâ, mesvš^ue yeQkeâ Dee@Heâ Fbef[Ùee ie=nHeef$ekeâe ‘leejebieCe’ Debkeâ — efomebyej 2012 HeÇeHle ngDee. ncesMee keâer lejn Fme yeej Yeer Heef$ekeâe lewÙeej keâjves ceW keâeHeâer Heefjßece efkeâÙee ieÙee nw Deewj Fme Heefjßece kesâ HeefjCeecemJe¤He, Heef$ekeâe Glke=â<šlece ¤He ceW nceejs neLeeW ceW nw. ‘efJeMes<ekeâj JÙeeHeej Deewj JÙeJenej keâer Yee<ee’ DevegYeJe kesâ DeeOeej Hej melÙe kesâ Oejeleue Hej efškeâe ngDee nw. Ssmeer Heef$ekeâeSb efkeâmeer Yeer mebmLeeve ceW Debleefve&efnle HeÇefleYeeDeesb keâes meeceves ueeves keâe meMekeäle ceeOÙece nesleer nQ Deewj ‘leejebieCe’

Deehe keânles nQ... You said it...

efveefMÛele ®He mes FmeceW meHeâue efmeæ nes jner nw. ßeer njerMe efmebn Ûeewneve, Deveg. DeefOekeâejer, jepeYee<ee efJeYeeie, Yeejle mejkeâej ie=n ceb$eeueÙe

efHeÚues DebkeâeW keâer lejn yeQkeâ keâer HeÇefmeæ ie=nHeef$ekeâe ‘leejebieCe’ keâe efomebyej 2012 Debkeâ efJeefJeOeleeDeesb mes HeefjHetCe& nw. Fme Debkeâ keâe yeenjer DeeJejCe peneb Skeâ Deesj nceejs yeQkeâ kesâ HeÇleerkeâ mšej (leejs) keâes oMee&lee nw JeneR otmejer Deesj Ùen Skeâlee keâe HeÇleerkeâ Yeer nw. nce meYeer Skeâ meeLe efceuekeâj ner yeQeEkeâie ceW DeHevee GÛÛe mLeeve yevee mekeâles nQ. JÙeeHeej Deewj JÙeJenej keâer Yee<ee, HeÇeefHle keâe efJe%eeve, vescele FlÙeeefo uesKe DelÙeble meejieefYe&le SJeb %eeveJeæ&keâ nQ. ßeer DeefceleeYe jmleesieer, Deeb.HeÇ., JeejeCemeer DebÛeue Fme Debkeâ ceW Henueer yeej DeeHeves DeOÙe#e SJeb HeÇyebOe efveosMekeâ keâe uesKe HeÇkeâeefMele efkeâÙee, Fmekesâ efueS DeeHekeâes {sjeW yeOeeF&Ùeeb. Heef$ekeâe ceW leceece %eeveJeOe&keâ uesKe nQ efpememes efve:mebosn Hee"keâesb keâe %eeveJeOe&ve nesiee. meyemes DeÛÚer yeele DeeHe Hee"keâesb kesâ efoueesb Deewj efoceeie mes pegÌ[ves keâer keâesefMeMe keâj jnsb nQ. Fmemes keâF& HeÇsjCeeoeÙekeâ yeelesb meeceves DeeSbieer pees Heef$ekeâe keâes Deewj Deekeâ<e&keâ yeveeves ceW ceoo HeÇoeve keâjsieer. ßeer lejueesÛeve efmebn, Deeb.HeÇ., jebÛeer DebÛeue ‘leejebieCe’ ie=nHeef$ekeâe keâe efomebyej 2012 Debkeâ yesnlejerve ueiee. Ùen Debkeâ ve kesâJeue nceejs yeQeEkeâie HeefjJeej kesâ OeÌ[keâles Keeme Heueesb keâe ner yÙeewje veneR oslee, yeefukeâ iebYeerj yeQeEkeâie %eeve Deewj nceejs yeQeEkeâie mejeskeâejeW keâes Yeer oMee&lee nw. efve:mebosn Fme Glke=â<š Debkeâ kesâ efueS Heef$ekeâe mes pegÌ[s nj-Skeâ JÙeefkeäle Keemeleewj Hej mebHeeokeâ ceb[ue Deewj jÛeveekeâej efJeÛeejkeâ keâes Fmekeâe ßesÙe efoÙee peevee ÛeeefnS. ßeer Deej.Sme. Ûeewneve, Deeb.HeÇ., nwojeyeeo DebÛeue cegPes DelÙevle HeÇmevvelee nw efkeâ ‘leejebieCe’ veS ef#eeflepe keâer Deesj efvele veS Deekeâ<e&keâ keâuesJej kesâ meeLe meejieefYe&le Heef$ekeâe kesâ ¤He ceW efveKej jner nw. Heef$ekeâe keâe ve efmeHe&â ceveceesnkeâ keâuesJej nw, yeefukeâ FmeceW meceeefnle efJeefJeOe meeceieÇer Yeer mebieÇnCeerÙe omleeJespe meeefyele nes jner nw. Heef$ekeâe ceW peneb Skeâ Deesj jesÛekeâ keâneveer, keâefJeleeSb SJeb Ùee$ee mebmcejCe HeÌ{ves keâes efceueles nQ Jenerb otmejer Deesj yeQeEkeâie peiele keâer %eeveJeOe&keâ veJeervelece peevekeâejer kesâ meeLe mebHetCe& Yeejle meefnle efJeosMeeW ceW DeeÙeesefpele yeQkeâ keâer efJeefYevve ieefleefJeefOeÙeesb keâer peevekeâejer keâejer Yeer efceueleer nw. Fme HeÇkeâej ‘leejebieCe’ Skeâ mebHetCe& meejieefYe&le ie=nHeef$ekeâe nw. ‘leejebieCe’ šerccee keâes neefo&keâ yeOeeF&. ßeer Sme.kesâ. DeieÇJeeue, Deeb.HeÇ., Gppewve DebÛeue

yeQJ‡â Dee@]Heâ Fbef[Ùee Jeâ‡r efleceener ie=nHeef$ekeâe ceeÛe&, 2013

Cover page conceived by

Smt. Urmila Nagle, Indore

Bank of India’s Quarterly House Journal March, 2013

“If you educate a man you educate an individual, but if you educate a woman you educate a family (Nation).” - Dr. James Kwegyir-Aggrey

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