🗣 Discuss Results – IBPS PO (2016-17)

Isbar ibps clerk me interview nahi hai to fir allotment keliye 4 months ka wait kyu?

 

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8th wonder of the world...... Saina Nehwal world no. 6 stunned by World No 61 Maria Ulitina. The Ukranian wins 21-18 21-19. I'm so disappointed😩😖😭😥

while filling up the preferences i have by mistake gave bank of maharashtra as preference 1 because i didnt read the details of vacancies.  Actually Bank of maharashtra has 0 vacancies.  Also the preferences which i have given top have few vacancies than bottom preferences.  What will happen then?  will they go tho second preference if i will not alloted to first preference?

cp ki test series kaisi hai po n clerk ki

TB pe 70℅ discount.. what say puys le le kya??

Lo har gye sania aur rohan. Bronze medal bhi gya.

How many of you completed Baroda manipal form?

Any bank from ibps list which has probation period of 1 year and not 2 yrs ?

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Best test series for ibps po

  • Olive board
  • Practice mock

0 voters

Ramesh and Ram have to clear their respective loans by paying 3 equal annual installments of Rs. 30000 each. Ramesh pays @ 10% per annum of simple interest while Ram pays 10% per annum compound interest. What is the difference in their payments?


Detailed soultion is requested!!

 FOR SBI ASPIRANTS.... SBI WALO JARUR PADHE 


It is strange that pagalguy has 3 threads for “probationary officer  test” and even started fourth one and all these threads have numerous  strategies to crack po exam but noone ever give the exact PO job  description. Number of candidates got selected and no one ever returned  to tell about po EXCEPT A FEW…. Like u all, earlier i was dying to be a Po especially Sbi po. i was  exciting and eagerly waiting for the day when i wud get sbi po id and  wud see sbi.co.in before my name but when it became true happiness was completely missing. I belong to National Capital Region and ahmedabad circle is alloted to me.SBI  Ahmedabad circle is deficit circle as gujarat is a rich state and  people here do nottake promotion and they started their career as clerk  and retired as clerk too. so this circle always need staff esp POs….And i  and my friends thought that after 3-4 yrs we wud be able to get back to  our native place even i asked this posting criteria from some sbi  officers there but when i came to gujarat i found thet picture is  completely different…… Majaor problem in SBI is POSTING...
1. We wud  never get posting in our native place as most of us come from major  cities of India like  patna,delhi,noida,gurgaon,jaipur,kanpur,lucknow,chandigarh etc..as sbi  never need staff there as these places are always overcrowded. 2.We wud be able to submit our transfer request after 5 yrs and which  will be accepted after 5 yrs as there are 1000s of application before  our application and seniority criteria is considered in posting issues  so after 10 yrs we may get posting near out native and this time may  increase to 15 yrs too…and i think 10-15 yrs is a long time.This  time sbi will not consider marriage criteria of gals as they said most  of u come from major cities and all of u wanted to go there by marrying  so why we recruit u.we recruit u for this circle  3.In delhi circle,around 140 PO(General)+ 60 PO(RB) got posting and this circle is largest circle of sbi.This  include Delhi,ncr region,uttarakhand,rajasthan and 16 districts of UP  and as my friends told me that only those guys got delhi city posting  who have big jack in sbi and others get rural posting. 4.Sbi gave hard postings in Ahmedabad circle and a few get cities  posting like in Ahmedabad,baroda,rajkot,surat etc and others get rural  posting includiong PO (General) and Po(rural business) and some of  places belong to tribal belt where there is big problem of  infrastructure. My PO(G) frnd got posting near saurashtra and he told me  that infrastructure 
is so bad that there is no tea stall near the branch… 5.SBI has branches everywhere.There is a place where area belong to wildlife sanctuary and sometimes snakes & cobras come to sbi branch  and bank gave posting to 2 gals(1PO(General)+PO(RB)). My question is not that- Why gals ?? 
My  question is that how sbi can have such audacity to open branch at such  place and can expect people to work there by putting their life on  stake. So, these are some problems of posting in sbi which discourages u sometimes….. And during 2 yr probation we have 6-7 transfers but within our circle…. Now come second issue—
Sbi has very high work pressure.I m posted  in a tribal belt taluka and my branch is main branch….and scale -4  branch…My work time here are 10:30am to 8.30pm but they expected more  …..and when asked my Branch Manager (BM) to go back to house he said-  madam i m also PO and i stayed till 11:00 pm daily so expect the same  from u ….and next day come with mindset to stay long here… On saturday, sbi po like me have to stay till 6.00 pm as i m PO……
So  the conclusion is – 6 days working for po and timings for weekdays is  from 10.30am to 9-10pm daily and on saturday till 6.00pm-7.00 pm…..and  sometimes come on holidays too …… Now come third issue—
I have read in one post that in which  someone said that at scale -2, ur life wud be pleasant as u wud be  manager and u will give only orders to ur staff…..and i8 have read that  private an foreign banks have targets….but in reality when u become  scale-2 in sbi then targets come into picture. then u wud have target  for deposits,advances etc and u have to achieve that target as u wud be  pressurized by ur senior officers and u have to answer them which may  make ur 
life hell And if u doing gud work then bank may make u bm of small branch where  u have no business of even Rs40 but bank wud give u target of Rs 5  crores and it is ur headcahe to bring business for branch that’s why PO  has to work as field officers and has to roam to give loan to people as  he/she has to achieve target of giving laons but sometimes these loans  become NPA which 
create other problems… Even there are some problems too.Bank  give u posting at such place where u cannot keep ur family with  yourself and if u r living nearby with ur family then ur senior officer  will not allow u to commute as u have to take care of each and  everything of branch including atms…and i m saying this as i have seen  it in the case of my BM. Now come salary structure …
i think sbi po has ctc of around 6lac on paper but salary is not so tempting …. basic – 16900
da-49.95 but it vary with each quarter…as most of u know….
hra- 8.5% to 6.5 % according to place of posting….
ANd Rs 4425 deducted for PF and Contributory pension ….. Perks- 
40litre p[etrol for 2 wheeler and 50 litre for 4 wheeler  …. but petrol sanction depend on ur BM…like we r outsiders means come  from different state and our vehicle is at ou home but in most cases BMs  do not sanction petrol as our vehicle is far away and we can not put it  with ourselves as we have frequent transfer… our first branch is for 9  weeks but in other branches we wud stay around 2 months or less so do  not prefer to keep vehicle with us…so alternative conveyance charges-  Rs710 Rs350-newspaper
Rs-310-labour of maid
Rs-600- cleaning…. so these are the perks we r getting now so total in hand salary is around 24K 
and lease is taking a lots of time for sanctioning ….. Now come Work profile-
every transaction include money &  sometime in large amount so risk come more as PO is authorizing officer  and SBI assigned SS no (Specimen signature no) to each PO and offi so if  u commit any mistake then bank will track u thru ur SS no and may file  chargesheet against u even u left bank earlier….i have been told that  bank does not leave any officer … i have seen during annual closing i.e., in march …some of the clerks  took long holidays and then it was the headache of BM as he/she was  accountable to answer everyone…. Now u all wud be thinking that i m facing all this as i m PO(Rural  business) and sbi recruited sbi po (urban) so they will get city posting  forever….but the underlying truth is that– SBI recruited PO(General) and not PO(urban) and PO(Rural business) PO(RB) has to work in rural/semi urbna branches for 10yrs and they  have to learn more than po (G) as we have to learn about general banking  nad rural business and for this we r getting extra 1 week training in  sbi institutes like in SBI rural development centre in hyderabad….and no  other things have been decided fro pO(rb) and recently MR. O.P. Bhattji  has retired and new chairman Mr Pratip Chaudhari has taken the rein of  SBI in his hands… so lets see where he has taken us… And Po(rb) has specific category so we wud be posted mostly in  talukas and cities but PO(G)has no category so they can be posted  anywhere including rural areas…and there is 2ys rural assignment is  mandatory for every officer otherwise promotion will be stopped as bank  has become strict in this case….these days… And bank is ready to give promotion but we r not ready to get it now after knowing these things abt PO career …and conclusion is SBi is giving a mobile life(due to large no of transfers),risky career and less salary…..

And it is strange that sbi has make its transfer policy strict with our batch as before sbi is known for flexible postings …. *******************
With SBI PO job i have little hope to be  posted in my native one day and my life will go on achieving Financial  inclusion in the interiors of gujarat with no family life as large no of  constraints as PO has in his/her career so my life wud be confined only  for SBI but i feel my life is mine and for my dear ones…. whenever i  used to see sbi logo i always have the fell to be sbi po oneday but what  type of life it is offering to us is really not as per our expectation  and that is the raeson when AGM(HR) came to meet us in SBLC then staff  restricted us asking any transfer related question as it wud irritate  him so most of us asked what is resignation policy of sbi and how much  one has to server notice period if one leave SBI..a.nd when DGM asked  with 61 candidates that how many want to spend more than 20yrs with SBI  then only 10 candidates out of 61 raised hands……this is type of  frustration we all r having and Ahmedabad circle is deficit circle of  sbi as gujarat is rich state and people join banks as clerk and retired  as clerkjs nad interested more in business rather than in job….so POs  who came here from other state cud not go back even after 25 yrs… but  being a gal this type of job wll make my life a hell…..and sbi is a  reputed organization and being its officer bring lots of social pressure  from all corners of society so u can not leave it until u get better  prospect…. My 2 friends tried to convince me not to go SBI PO but i never heard them and one of is pagalguy friends…. Earlier i was so keen for sbi po that i left my other interview calls  for PO and i left LIC AAO as i have to take a flight for ahmedabad that  night and was keen not to loose my seniority by 1 second….. and even i  did not prepare for RBI grade B as i felt that if i prepared rbi grade b  now then i will not do justification with my dream job SBI PO…but now  all things have changed…. now i want to move ahead… i want to move ahead  within 1 yr at any cost…hope so NABARD wud come with vacancies soon and  one day i aspire to be RBI Grade B ……my nxt destination is NABARD or  RBI ….hope so when i got them i don’t feel the way i felt with sbi po…. Now i m feeling much relieved as i was occupied with the dream of PO  for the last 3c yrs but now this phase is over…and my every step wud be  away from sbi and towards RBI grade B …and one day i wud post my  expereince as RBI Grade B…and thanks to sbi po as i have learnt a lots  of things abt RBI grade b due to frustration which has started stiring  up…. MY some analysis-
1. BANK PO job is gud for short term career  especially take 3-4 yrs exposure in commercial banking and do mba from  premier colleges and get placed in private na d foreign banks with high  package… 2.SBI is big brand so more rigid regarding posting and other things  but other small banks like United bank of India and corporation bank etc  are keen to give home posting first as they do not want to loose tech  savvy candidates these days…so try to refer small banks ….. Sorry for long posts and groans are welcome 


MUJE GAALI MATT DENA ... GOOGLE SE COPY PASTE KIYA....

 APNE RISK PE PADHIYEGA KAHI APKA MANN NA HATT JAAYE PO SE. 

A real life experience of PO. 


Challenges for Senior  Bankers  To  Make Frustrated  Young Bankers As Part of the Bigger  Bank Family -   (An Open Letter from a Young Officer Who Left Bank As Seniors  Failed to Give Necessary Helping Hand)   


  Comments by Rajesh Goyal  :  While surfing the net, I found the following letter on  FaceBook.   This is letter written by a Directly Recruited Officer in BoB who faced hostile  atmosphere in the bank and was left with no option but to resign.    He wrote this letter on the day he resigned but seems to have sent by email much  later to CMD and some other officials of the bank.  The letter was  available on net only in Hindi, but for the benefit of large majority of readers  who do not understand Hindi, I have translated the same in English.    The translation is not by any professional translator and thus can not  considered  to  be word by word translation.   However, I have tried my best that it  should convey the essence of the content in simple and straight forward language  that is understand by  majority of our readers.   First of all  let me tell  why I thought of sharing the same with our readers.  After reading  the letter, I felt that this gives us a true feelings of a young banker who  joins with lot of aspiration but gets a hostile atmosphere in the bank specially  from his seniors.  In view of the high working pressure and fear of charge  sheets, the newly recruited young bankers tend to develop their own barriers  which results into further distrust.    Frankly speaking, I too faced similar situations  during my first posting at Jaipur  in 1980s.     That was my  crisis period of stabilizing in the new system and faced few months of high  level stress.     I was very  near to situation which Mr Ram has expressed.    However,  I survived.   May be  things were not that bad in those days.    With now over 30 years of experience, I can easily find some illogical parts in  the letter (as most of other senior bankers will find)  but from the point of a new recruit,   his thinking appears to be absolutely  correct.     The senior bankers need to be sensitized  about the fears and the psychology of the new recruits.   The young bankers needs to be taught slowly the art of adopting to new environment,  rather than  adopting the methods of teaching them through punishments even for small aberrations  like taking a  day's leave without information etc.   Certainly they are adult but  they need time to adjust to new hostile work environment after a cool college life.   They need to be give time to overcome the fears generated by  lose talks in the branches / administrative offices.   Young bankers  too need to learn the art of  adjusting to the new environment and keep the  atmosphere easy and lively with smiles on their young faces.    The   contents of the letter we are quoting here may be specific to one bank, but this  type of behaviour and episodes are available across the industry and across  India.  Therefore, it is not a poor reflection  of BoB but is  a reflection of the banking industry as a whole.  I  will say it is a reflection of the tussle now going on between senior bankers  and newly recruited bankers.  Such a tussle is not a new phenomenon. I  faced the same 35 years back, but it has become more serious as there are few  middle aged officers.  Earlier this middle age group  used to be a cushion or a bridge  between two extreme generations.    HR departments of banks need to know  this and adopt appropriate policies to bridge this gap.  Now We Give the Conents of the Letter:-  Ram Chandra Gurjar <[email protected]>Tue, Jun 17, 2014 at 12:27 PM  To: [email protected]  आदरणीय CMD महोदय, (Respected CMD),    A. .सबसे पहले मैं अपना औपचारिक परिचय देना चाहूंगा . मेरा नाम राम चन्द्र गुर्जर  है . मैं बैंक ऑफ़ बरोदा परिवार में १५ जुलाई 2013 को DRO के रूप में शामिल हुआ .  क्षमा चाहूंगा कि इस पत्र में इसके अलावा और कुछ भी औपचारिकता नहीं होगी क्योंकि  मैं समझता हूँ कि अभिभावक और संतान में किसी तरह की कोई औपचारिकता नहीं होती.साथ ही  मैं क्षमा चाहूंगा सीधे आपको पत्र लिखने का दुस्साहस कर रहा हूँ. क्योंकि पदसोपानिक  स्तर में सबसे छोटा अधिकारी सबसे बड़े अधिकारी को पत्र लिखे ये "सिस्टम " या "प्रोटोकॉल  " विरुद्ध है , लेकिन मेरा मानना है कि जब मन कुंठित हो ,संकट गंभीर हो तो हम सीधे  मंदिर में भगवान से प्रार्थना करते हैं पुजारी से नहीं . इसलिए मैंने ये कोशिश कि  हैं . आशा है कि आप भी इसे इसी भावना के साथ स्वीकार करेंगे . बैंक ऑफ़ बड़ौदा जैसी  विश्वस्तरीय बैंक में इसके भविष्य निर्माता के रूप में जुड़ने वाले DRO के साथ किस  तरह का व्यवहार होता है ,ये मैं आपके साथ बाँटना चाहूंगा .    A. [Let me first of all give my introduction.  My name is Ram Chandra  Gurjar.  I joined BoB family on 15th July, 2013 as DRO (Directly Recruited  Officer).  I would like to be pardoned for writing this letter to you  directly.  I am taking this liberty though usually it is against the  "System" or "Protocol to write directly to top official in an organization.    However, I feel when your heart is full of sorrow and issue is grave, we usually  go directly to God in the temple and not through priests.   I hope you  will accept this letter in the same context.  I want to share with you as  to how a young DRO was treated in BOB, an internationally reputed  bank, ]    B. : IBPS की कठिन परीक्षा एवम गला काट प्रतिस्पर्धा के बाद 15 जुलाई को मैंने बैंक  ऑफ़ बड़ौदा इस उम्मीद के साथ ज्वाइन की थी कि बैंकिंग सेक्टर में करियर विकास कि असीम  सम्भावनाओ में मैं अपना बेहतर भविष्य बना पाउँगा . ट्रेनिंग के दौर में जब बैंक ऑफ़  बड़ौदा को जानने का मौका मिला तो सैद्धांतिक स्वरुप बेहद आकर्षक लगा. लगा मानो इसी  आर्गेनाईजेशन की मुझे जरुरत थी . लेकिन जैसे जैसे आगे बढ़ा यथार्थ के धरातल के कटु  अनुभवों का सामना होना शुरू हुआ . लेकिन जीवन की यही सच्चाई है ,ट्रेनिंग के कुछ कटु  अनुभवों को भूलकर मैं दुगुने उत्साह के साथ आगे बढ़ा . मुझे नसीराबाद ब्रांच अजमेर  रीजन में पोस्टिंग मिली .लेकिन वही से मेरी लाइफ में बुरे दिन शुरू हो गए . अपनी ही  एक सीनियर लेडी अफसर की कार्यशैली और व्यवहार ने मुझे इस हद तक परेशान किया कि मुझे  मजबूरन बैंक छोड़ने का फैसला लेना पड़ा .और कृपया इसे एक व्यक्तिगत उदहारण ना  समझे.सिर्फ एक घटना के आधार पर मैं बैंक ऑफ़ बड़ौदा जैसी संस्थान पर ऊँगली नहीं उठा  सकता . इस पत्र को लिखने का साहस ही इसलिए जुटा पाया क्यूंकि मेरे साथी DROs का भी  कुछ ऐसा ही अनुभव रहा .इसलिए पिछले 6 महीनो के अनुभव के आधार पर मैं अपने बाकि DRO  साथियो की तरफ से कुछ कॉमन महत्वपूर्ण बिन्दुओ को आपके साथ बाँटना चाहूंगा.  
   B [I joined BOB on 15th July (2013) after passing through cut-throat  competition in  IBPS exam,  with the hope that I will be able to make a  great career in view of  the unlimited opportunities available in the banking sector.   During  training at BOB, it was very attractive and I felt that this is the  organisation  which I was looking for.  However, as I progressed forward, I was  encountered with the realities and the truth of life.    However, leaving behind the bad experiences of  training period, I  decided to go ahead with  double zeal.   I was posted at Nasirabad branch of Ajmer Region   My bad days seems to have started from this time.   The working style  and  behavior of  a senior lady officer led me such a frustration  that I decided to quite  the  job.   I would like to request  that this may not be treated as an  isolated  personal example, as I would not have dared to point finger on such a  reputed organisation on the basis of one example.   I have gathered  courage to  take up this issue as my other DRO colleagues also had similar  experiences.    I am writing this based on my experience and feed back given by other  DRO colleagues.  I would like to share with you some of the common  important points in this regard:-    C. 1.हम DROs से जबरदस्ती लोन डाक्यूमेंट्स सहित बैंक में बहुत से कागजो पर  हस्ताक्षर करवा लिए जाते हैं जिनमे से अधिकांश का हमे ज्ञान तक नहीं होता .यहाँ तक  कि बिना इंस्पेक्शन किये हुए भी इंस्पेक्शन रिपोर्ट्स पर हस्ताक्षर करवा लिए जाते  हैं .सीनियर सही ही करवा रहे होंगे ये मानकर हम हस्ताक्षर कर भी देते हैं . लेकिन  अब जब धीरे धीरे बाते समझ में आई तो पता चलता हैं कि सीनियर लोग अपनी नौकरी बचाने  के लिए हमे ढाल के रूप में काम में लेते हैं .    C. 1 We, DROs, are required to sign number of loan documents which we hardly  understand and about which we have hardly any knowledge.  Even inspection  reports are got signed sometimes even without the actual inspection.  We  sign thinking that they are our seniors and thus must be getting the same signed  correctly.  However, slowly we know that seniors do so to save their own  job and they use us as shield.    D. 2.बैंक के सैद्धांतिक और व्यवहारिक आदर्शो में कोई तालमेल नहीं . HR पॉलिसीस के  मामले में तो मैं इसे बिलकुल सही पाता हूँ . इसके उदहारण के तौर पर मैं आपको अपनी  स्थिति से अवगत करवाता हूँ .    D. Bank do not have follow as they preach.   In the  matter of HR policies I have found this to be absolutely correct.  For  example, I would like to make you aware of ground realities I faced.    E. (i)मैं राजस्थान के चुरू जिले का निवासी हूँ . चुरू जिला बैंक ऑफ़ बड़ौदा के  जोधपुर रीजन में आता हैं .मुझे मेरी पहली पोस्टिंग मेरे घर से करीब 350 किलोमीटर  दूर दी गयी . इसमें बैंक का तर्क शामिल होता हैं कि अभी आप अविवाहित होते हैं इसलिए  कोई समस्या नहीं हैं दूर पोस्टिंग में . मैं आपसे पूछना चाहूंगा क्या सिर्फ विवाहित  व्यक्ति का ही परिवार होता हैं ? क्या अविवाहित व्यक्ति का जुड़ाव नहीं होता अपने  माता -पिता से ? बैंक की 6 दिन 10घंटे की बैंकिंग के बाद क्या अविवाहित व्यक्ति को  भावनात्मक आराम की जरुरत नहीं होती ? मेरे जैसे कितने ही नए DROs 350 किलोमीटर से  कहीं ज्यादा दूर पोस्टेड हैं अपने अपने घरो से .मैं नहीं कहता की हमे घर में  पोस्टिंग चाहिए ,लेकिन कम से कम ऐसी जगह तो पोस्टिंग दीजिये ताकि वीकेंड पर तो घर  जा सके . घर के पास रहेंगे तो बैंक के लिए बिज़नेस लाना भी आसान होगा .एक नए अनजान  शहर में हम बैंक के लिए कितना बिज़नेस ला पाएंगे ?? रही बात अविवाहित व्यक्ति की तो  विवाहित व्यक्ति के पास तो अपनी खुद की फैमिली हो सकती हैं लेकिन हमारे पास सिर्फ  हमारे माता -पिता हैं .बर्थडे पर मेरे mata-पिता इतनी दूर से आये मुझसे मिलने ,बैंक  से एक छुट्टी मांगी उस पर भी सुनने को मिला कि "Leave is not your right".तब लगा कि  हम ही बेवकूफ हैं जो बैंक को दिन रात अपनी सेवा देने में लगे हैं .जब बैंक को हमारी  भावनाओ का ख्याल नहीं तो फिर हम क्यू कहाजाता हैं बैंक के लिए वफादार बनने के लिए  ??    E. (i) I am a resident of Churu district in Rajasthan.  Charu district  falls within Jodhpur region.   I got my first posting about 350 kms  away.  The bank has argued that you being unmarried should not have any  problem in far away postings.   I would like to ask whether unmarried  person does not have a family.  Does unmarried person is not attached with  his parents?  After working on 6 days and for 10 hours daily, does  unmarried not need emotional rest? There are large number of other DROs who are  posted even beyond 350 kms from their homes.    I do not expect  that everybody will be posted at his home town but I expect that posting should  be such that a person can visit his home at least on week ends.  If one is  posted near his home, we can bring more business easily.  In a new town, how  much we can bring new business?  As far as married person is considered, he  has his own family, but we have our parents only.   On my birthday, my  parents can not come to meet me and if I ask for leave, we are told "Leave is  not your right".  Then we feel that we are idiots as we work day and night  for the bank.  When bank can not understand our emotions, then why we are  expected to be loyal to bank?    F. (ii)बैंक में आने का समय तो निश्चित है लेकिन जाने का समय का कोई अता-पता नहीं .  मानता हूँ कि बैंक में काम बहुत ज्यादा है ,लेकिन उससे कहीं ज्यादा अक्षमता/अकर्मण्यता  और सीनियर लोगों की देर तक बैठने की आदत जिम्मेदार है .पिछले 21 दिनों से मैं अपनी  ब्रांच के ऑपरेशन हेड का काम संभाल रहा हूँ और जो ब्रांच कभी रात 8 बजे से पहले बंद  नहीं होती थी वो 5:30 से 6:00 बजे बंद हो जाती है . क्या बैंक की टाइमिंग को लेकर  कोई नीतिगत निर्णय नहीं लिया जा सकता ? यहाँ तक कि रविवार को भी काम करने के लिए  बुला लिया जाता है और क्यूंकि हम DROs हैं हमारी तो जैसे नैतिक जिम्मेदारी बन जाती  है आने की. रात 8 बजे तक काम करने के बाद घर पहुँच कर सोना और सुबह फिर काम पर लग  जाना ,ये मुझे इंसान की नहीं मशीन की याद दिलाता है .    F. (ii) There is a fixed time for reporting in the bank but there is not fixed  time for leaving the bank.  I agree there is lot of work in the bank, but  late sitting is mainly due to inefficiency and the habit of seniors to sit late.    For last 21 days I am handling work of branch operation head.   Branch  which used to close only around 8.00 PM, now closes between 5.30 and 6.00 PM    Can bank not take a call on fixing the working hours ? We are even called to  work on Sundays as we are DROs and thus it becomes our moral duty to do so.   After working upto 8.00 PM, it is merely a formality to go home and sleep and  then come back for work next morning  It is reminds me of machines.    G. (iii) रीजनल ऑफिसो में जिन लोगों को नियुक्त किया जाता है उससे तो हम DROs बहुत  ही निराश और कुंठित हैं. अपरिपक्व या अयोग्य लोगों की नियुक्ति की वजह से पूरे रीजन  को परेशानी का सामना करना पड़ता है .अजमेर रीजनल ऑफिस का मेरा और मेरे साथियो का  अनुभव बहुत ही ख़राब रहा है . क्या रीजनल ऑफिसो आदेश देने के लिए ही बने हैं ?? क्या  One-Way conversation ही चलता है ??    G. (iii) The type of people who are posted in regional offices leads to  frustration among DROs.  It is only on eaccount of inefficient and incompetent  people that the whole region has to suffer.   My experience and that  of my colleagues has been very bad ?  Are Regional Offices are merely meant  to give orders only?  Does  only "One Way Conversation" works?    H. 3. अब मैं आपको मेरी और मेरे साथी DRO की 2 कहानियाँ सुनाता हूँ .मेरी ब्रांच  में एक लेडी अफसर ने अपनेव्यवहार ने इस हद तक माहौल ख़राब किया कि बैंक और ब्रांच कि  छवि ख़राब होने के साथ साथ ब्रांच में काम करने वाले लोगों का मनोबल गिर गया .मुझसे  कहीं भी हस्ताक्षर करवाना , risky cheques जबरदस्ती मुझसे पास करवाना ,ब्रांच हेड  का दिया हुआ काम अगर कर रहा होता तो मेरा नाम चिल्ला चिल्ला कर कस्टमर्स के सामने  मुझे शर्मिंदा करना उनकी आदत सी बन गयी थी . इस हद तक मेरा नाम पुकारा गया कि मुझे  अपने नाम से नफरत होने लगी थी . तेज गति और विभिन्न तरह के काम करने की मेरी क्षमता  मेरे लिए अभिशाप बन गयी थी और उनके लिए अपनी कामचोरी को बढ़ावा देने का जरिया . इसकी  शिकायत मैंने नवंबर में रीजनल ऑफिस में हुए DRO कॉन्क्लेव में भी की लेकिन कोई फायदा  नहीं हुआ .यहाँ तक की मेरी काउंसलिंग करने की कोशिश भी नहीं की गयी .इसके बाद मेरा  दिनों दिन मानसिक शोषण होता गया .और मैं हर दिन घुट घुट के जीता रहा . जनवरी मेंअपनी  अंतिम ट्रेनिंग में जयपुर ट्रेनिंग सेंटर में मुझे कहना पड़ा की अगर वो लेडी मेरी  ब्रांच में रहेगी तो मुझे मजबूरन बैंक छोड़ना पड़ेगा .तब मेरे रीजनल हेड और मेरे जोनल  हेड तक बात पहुंचाई गयी .मुझे मेरे रीजनल हेड ने कुछ हद तक कन्विंस कर लिया . मुझे  लगा कि समस्या अब तो समाप्त हो ही जाएगी .जब ब्रांच में आया तो उसका असर तो नजर आया  लेकिन इस बार तरीका बदल चूका था मानसिक प्रताड़ना का .आख़िरकार मुझे बैंक छोड़ने का  फैसला लेना ही पड़ा . 31 जनवरी को मैंने बैंक से इस्तीफा दे दिया .    H. 3 Now let me tell you two episodes of myself and my colleague DRO.    In my branch, the bad behavior of  a lady officer spoiled the working  conditions in the branch to the extent that it not only created bad image of the  branch but also led to low morale of people working in the branch, viz to get my  signatures on any document, to get passed the risky cheques from me, if I was  completing  the work allocated by BM, then she used to call my name in high pitch in front of  customers.   My name was called so many times in a day  that I started feeling hatred  towards my own name.  My qualities of working at a high speed and to  handle different type of works became my biggest enemy.  I complained about  all this in November to Regional Office in a DRO Conclave, but it did not yield  any results.  I was mentally tortured for number of days and I lived on  edge for many days.  In January, when I joined for my last training at  Jaipur training Centre, I was left with no option but to tell that I have to  leave the bank if that lady continues to be in the branch.  This was conveyed to  my Regional head and Zonal head.  I was counseled   and I thought now the  problem will be over.   However, when I reached branch, I felt the  change,  but new methods were evolved to emotionally torture me.  Finally I  decided to Quit and gave my resignation on 31st January.    I. दूसरी कहानी मेरे साथ ही ज्वाइन किये हुए DRO की है . उसने अजमेर रीजन की  सांगानेर ब्रांच ज्वाइन की.उसके ब्रांच हेड उससे रोज रात 9-10 बजे तक काम करवाते और  यहाँ तक कि संडे को भी ऑफिस आना पड़ता. यहाँ तक कोई परेशानी नहीं थी ,लेकिन उससे  फर्जी इंस्पेक्शन रिपोर्ट साइन करवाना ,लोन्स डाक्यूमेंट्स सहित बहुत से सवेंदनशील  डाक्यूमेंट्स पर साइन करवा लिए जाते और वो भी जबरदस्ती .उसने इसकी शिकायत उसी DRO  कॉन्क्लेव में की . नतीजा ये हुआ कि उसके ब्रांच हेड नाराज हो गए .उस DRO ने कुछ  दिन बाद एक छुट्टी के लिए आवेदन किया और दुर्भावना वश ब्रांच हेड ने छुट्टी कैंसिल  कर दी .तबियत ख़राब होने की वजह से DROअगले दिन ऑफिस नहीं गया और इसकी शिकायत ब्रांच  हेड ने रीजनल ऑफिस में कर दी . और अब ताज्जुब करने वाली बात ये है की जो रीजनल ऑफिस  हमारे द्वारा की गयी शिकायतों को सुनकर भी सोया रहा उसने इस बार कोई गलती नहीं की  DRO को तुरंत कारण बताओ नोटिस जारी कर दिया .और उसके कुछ दिनों बाद उसी DRO का  ट्रांसफर अनुशासनहीनता का कारण देते हुए राजस्थान के दक्षिणी छोर के रीजन में कर  दिया गया .अपने साथ किये गए पक्षपाती व्यवहार से hatas उस DRO ने बैंक से इस्तीफा  दे दिया .    I. Let me now tell second episode of my colleague who joined with me as DRO.    He has joined  Sanganer Branch of Ajmer region.  Branch Manage used to  ask him to work upto 9 - 10 PM and he has to go to branch even on Sundays.   Update this, there was no problem.   But  he was  also forced to sign on forged inspection reports, signs on loan documents   and other sensitive documents.   He also complained about these at DRO  conclave.  The result was that his branch head got annoyed and when he gave  application for leave, the same was cancelled. He could not attend the office  due to illness and Branch head reported the matter to regional head.  It is  surprising that the regional office, which has turned blind eye to our  complaints, swung into action this time and issued a Show Cause notice to the  DRO and soon was transferred to southern most part of Rajasthan.  Wilth  such one sided treatment, this DRO resigned from the bank.    J. इन 2 कहानियों में रोचक बात ये रही कि एक जगह जहाँ सिर्फ ट्रांसफर कर देने से  बैंक अपना एम्प्लोयी बचा सकता था ,वहां से कोई ट्रांसफर नहीं हुआ और दूसरी जगह  बेवजह किये गए ट्रांसफर ने बैंक का एक एम्प्लोयी खो दिया .समझ में नहीं आता किस तरह  के मापदंडो को अपना रहा है बैंक ?? किसको बचाना है किसको हटाना है ?? कुछ समझमें नहीं  आता.मैं तो अपने आप को इन घटनाओ के बाद बैंक में सुरक्षित नहीं पाता . वही महिला  अधिकारी ब्रांच से 300रुपये चुराती हुई cctv कैमरा में पकड़ी गयी लेकिन ब्रांच  मैनेजर ने कोई करवाई तक नहीं की. कैसा माहौल बना रखा है बैंकमें.सर कृपया कुछ कीजिये.    J. The above two episodes indicates that in one case, bank could have saved an  officer from resigning had he been transferred, in the  other case another officer could have been saved from resigning  if had not  been transferred  Thus bank does not understand who is to be saved and who  is to be transferred   I did not feel safe under such episodes.   The same lady officer when seen removing Rs 300 on cctv was  let off by BM.   Please do something?.     K. इन 2 कहानियों के अलावा भी मेरे पास और कुछ कहानियाँ हैं लेकिन मैं अब उनपर न  जाकर सिर्फ इतना जाननाचाहूंगा कि आंकड़ों और टारगेट के खेल में में इंसानियत को भुला  चुके हैं . बैंक का हमे भविष्य कहा जाता है लेकिन बैंक ही अपने भविष्य को बचने में  कोई दिलचस्पी नहीं दिखता,ताज्जुब होता है .    K. I have few more episodes but I would like to quote these here but would like  to know whether we have forgotten the human touch merely to achieve targets.   We are considered as the future of the bank, but bank does not appear to be  interested in saving its future.  I am surprised.     L. एक अभिभावक होने के नाते मैंने आपके सामने मेरी भावनाओ को एक अबोध बालक की तरह  कह दी . अब आप एक पिता के समान होने के नाते क्या निर्णय लेते हैं ये मैं आप पर  छोड़ता हूँ . पत्र लिखने से पहले ही लोग कह चुके हैं कि बैंक 100 साल से ज्यादा समय  से चल रहा है कोई फर्क नहीं पड़ने वाला . असर नहीं होगा ये सोचकर मैं सच कहने से अपने  आप को रोक तो नहीं सका हाँ इसे भेजने में समय जरूर ले लिया. बैंक में मेरे आखिरी  दिन ये पत्र लिखा लेकिन भेजआज रहा हूँ, इसके पीछे कारण वही 100 साल और असर न होने  का तर्क था . मेरा ये पत्र बदलाव का एक जरिया बनेगा या फिर deleted items का एक  हिस्सा .........ये वक्त बताएगा.    L. I have put my problems before you like a child and considering you to  be my guardian.    I leave it to you what decision you take in  this case. Before I have penned this letter, people have told me that bank is in  existence for over 100 years and this complaint is not going to make any difference even  now.  I admit that I have taken a longer time for sending this  letter.  I have penned  this letter on the day I have resigned but sending  the same now.   The reason for this delay is the plea that people told  me that it  will have no impact.   However, I could not stop  myself on the plea that it will not have any impact.  It is only time that  will tell, whether this letter could make some change or it will form a part of  the deleted items.    M. इतने धैर्य के साथ पत्र पढ़ने के लिए बहुत बहुत धन्यवाद .आपने अपना कीमती समय दिया  उसके लिए शुक्रिया.    M.  I think you for reading this letter so patiently.  I think you for  sparing your valuable time.    भवदीय  (truly yours)  राम चन्द्र गुर्जर  (Ram Chander Gurjar)  भूतपूर्व DRO (Ex-DRO)  EC No.102492    


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Happy Independence Day 🇮🇳

No Rail Budget from next fiscal..The 92-year-old practice of presenting a separate Rail Budget is set to come to an end from the next fiscal, with the Finance Ministry accepting Railway Minister Suresh Prabhu’s proposal to merge it with the General Budget.

# CR

 On the basis of the Big Bang theory scientists predicted levels of Helium-3 in the universe that are ten times greater than the levels actually observed. According to the original model, Helium-3 is produced when low-mass stars burn up hydrogen and become ‘red giants’, as well as being produced in the Big Bang itself. Researchers have now produced a new model in which the Helium-3 produced by a red giant is pushed to the star’s interior and burnt up. Hence the Big Bang theory is no longer undermined by Helium-3 data.The two portions in bold-face are related to each other in which of the following ways?A. The first highlights an observation that tends to undermine a particular theory. The second is that theory.
B. The first is a fact that undermines a theory. The second is context for accepting that theory.
C. The first points to an inconsistency in a particular model; the second is the author’s main conclusion.
D. The first is a challenge to a classic theory; the second resolves that challenge.
E. The first is a position that the author does not accept; the second is the author’s position. 

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