Tushar Mangl

Indian banks today are examples of sloth and complacent customer services. They all have good nice businesses. They seldom care for the customer or the client. Private Banks too are not very far behind the government banks in mistreating or looking down upon their so called valuable clients. So how does that kind of psychology happen? Most importantly what’s the role of the people and government in this insensitivity of Banks? One reason of course could be the United Progressive Alliance’s policies. Led by Dr. Manmohan Singh, it favored loyal party cadres to the posts of bank directors. Like Anusuya Sharma (United Bank of India), Maj Mrs. Krishna Mohini (Punjab and Sind Bank) , Abdul Rashid (United Bank of India) , Praveen Davar (United Bank of India), Vinay Kumar Sorake (Syndicate Bank), KK Sharma (Punjab and Sind Bank), Umesh Kumar Sharma (Punjab and Sind Bank), Paban Singh Ghatowar (United Bank of India), Rani Satish (Union Bank of India), Omen Moyang Deori (Uco Bank), Har...

The Bhartiya Janta Party, was founded by quite many intelligent men, many of whom were upper class Hindus. The three biggest promises that the BJP ever made to the masses were 1) A Ram Temple at Ram Janambhoomi Sthan, Ayodhya 2) Repeal of Article 370 3) Uniform Civil Code Narendra Modi, in 2014, brushed aside these issues made development and governance as his chief agenda and secured a handsome victory for his party and self. But with a simple majority comes a complex challenge of paradox. You can sweep aside old timers, you cannot sweep out deep rooted ideologies so easily. He himself has claimed himself as a Hindu nationalist, a disciplined party worker etc. Now he will be hounded with these issues although not highlighted by his campaign but neverthless which are the corner stones of his party's ideology. Atal Bihari Vajpayee faced the similar problem when he ruled India for 6 years. Even he could not find a solution for these issues. For he did not have a clear majorit...

Everyone likes to save little money. The rich, the poor, the average earner and even the lavish spender likes have a little nest of savings. Banks are the biggest mediums today to enable investment and savings transactions.   It is no wonder then; we need banks for a good economic system and an ideal way of life. Where we can save some cash and also go for any needs of loans. They make good business too. You save your money at 4 or 6 percent and your friend gets a loan from the bank at 10 percent plus. When the British left India, they left behind a fairly good banking system with a nice number of banks in select corners of the country. All we needed to do was use that system polish it well and spread it thick and deep. What instead Indians did was use it as a milking cow, ruining these institutions instead of using them for positive gains. In the 1970’s Indira Gandhi led the nationalization of the banks. The secret was out in the open. Politicians controlled the banks ...

Writers for years have written extensively on sharp divide between India and Bharat. One, mostly urban the other mostly rural. It is Bharat that feeds the country, takes case of its productions and supplies most labor. It is India which issues orders, makes policies and do the management. Not surpisingly, it is India that complains the most. But it is a fact that it India of the big cities, which is responsible for the worst scams ever happened to the nation. It is also a fact that the big city people have always exploited the Bharat people. And one of the vivid example can be seen in voting patterns. While Delhi had a turn out of around 64% voters, Saharanpur in western Uttar Pradesh, recorded a massive 74% voter turn out. It is a well documented fact that voting turn out amongst the big cities, is always low, at least lower than other places. Look at Mumbai, which has a voter turn out of 55% this time. If you look at the results of last assembly elections in Delhi, the city state ...

Course Code:DHIS 102 Time Allowed: 3 Hours                                                                                     Max. Marks:80 1. This paper contains 10 questions divided in two parts on 1 page. 2. Part A is compulsory. 3. In Part B (Questions 2 to 10), attempt any 6 questions out of 9. Attempt all parts of the selected question. 4. The Marks assigned to each question are shown at the end of each question in square brackets. 5. Answer all questions in serial order. 6. The student is required to attempt the question paper in English, Hindi or Punjabi medium. Par...

Course Code:DHIS 101 Time Allowed: 3 Hours                                                                                     Max. Marks:80 1. This paper contains 10 questions divided in two parts on 1 page. 2. Part A is compulsory. 3. In Part B (Questions 2 to 10), attempt any 6 questions out of 9. Attempt all parts of the selected question. 4. The Marks assigned to each question are shown at the end of each question in square brackets. 5. Answer all questions in serial order. 6. The student is required to attempt the question paper in English, Hindi or Punjabi m...

Course Code:DHIS 104 Time Allowed: 3 Hours                                                                                     Max. Marks:80 1. This paper contains 10 questions divided in two parts on 1 page. 2. Part A is compulsory. 3. In Part B (Questions 2 to 10), attempt any 6 questions out of 9. Attempt all parts of the selected question. 4. The Marks assigned to each question are shown at the end of each question in square brackets. 5. Answer all questions in serial order. 6. The student is required to attempt the question paper in English, Hindi or Punjabi medium. Par...