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Insurances Companies Taglines with Heads

Bankers Guru
1. Life Insurance Corporation of India (LIC)
  •  Tagline - Yogakshemam Vahamyaham
  •  CEO - S.K.Roy

2. Max Life Insurance Company Limited
  • Tagline - Aapke Sachhe Advisor
  • CEO - Rajesh Sud

3. New India Assurance Company Limited
  • Tagline - India’s premier general insurance company
  • CEO- G. Srinivasan

4. SBI Life Insurance Company Limited
  • Tagline - With Us, You’re Sure
  • CEO- Arijit Basu
5. United India Insurance Company Limited
  • Tagline - Rest Assured with Us
  • CEO - Milind A Kharat

6. Oriental Insurance Company Limited
  • Tagline - Prithvi, Agni, Jal, Akash, Sabki Suraksha Hamare Paas
  • Chairman - AK Saxena
7. Kotak Mahindra Old Mutual Life Insurance Limited
  • Tagline - Faidey ka Insurance
  • Chairman- Gaurang Shah
8. Max Newyork Life Insurance Company Limited
  • Tagline - Karo Zyada ka Iraada

9. Apollo Munich Health Insurance
  • Tagline - We know Healthcare.
  • CEO- Anthony Jacob and Chairman- Prathap C Reddy)

10. Future General Life Insurance
  • Tagline - Ek Shagun Zindagi Ke Naam
  • Chairman- G N Bajpai and CEO- Munish Sharda

11. Aviva India Life Insurance
  • Tagline - Kal par Control
  • CEO- T R Ramachandaran

12. Tata AIA Life Insurance Company Limited
  • Tagline - You click, we cover
  • Chairman- Ishaat Hussain

13. ICICI Prudential Life Insurance Company Limited
  •  Tagline - Zimmedari ka humsafar
  • CEO- Sandeep Bakshi

14. HDFC Standard life Insurance Company Limited
  • Tagline - Sar utha Ke Jiyo
  • CEO - Amitabh Chaudhary, Vibha Padalkar

15. Bajaj Allianz Life Insurance Company Limited
• Tagline - Jiyo Befiqar
• CEO- Anuj Agarwal

16. Birla Sun Life Insurance Company Limited
  • Tagline - Muskurate Raho
  • CEO- Pankaj Razdan

17. Max Bupa Health Insurance
  • Tagline - Your Health First
  • Chairman- Anuroop Singh

18. Exide Life Insurance India Company (Earlier Known as ING Vysya
  • Life Insurance India Company) –
  •  Tagline - Adding Life to Insurance
  • Chairman- Rajan Raheja and CEO- Kshitij Jain

19. PNB MetLife India Insurance Company Limited
  • Tagline - Have you met life today?
  • CEO- Tarun Chugh)

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ICC World Cup 2015 - Important Short Notes

Bankers Guru
The 2015 Cricket World Cup was the 11th Cricket World Cup.

  • Hosted by-  Australia and New Zealand from 14 February to 29 March 2015. 
  • 2015 Cricket World Cup Ambassador  - Sachin Tendulkar  

This was the second time when the tournament was held in Australia and New Zealand, with the first being the 1992 Cricket World Cup which was won by Pakistan.

Important Points

  • Australia won the Cricket World Cup for the fifth time.
  • Man of the Series: Mitchell Starc
  • Man of the Match: James Faulkner
  • Most Runs: Martin Guptill
  • Most Wickets: Mitchell Starc & Trent Boult

Teams Played in 2015 ICC Cricket World Cup
  • India 
  • Australia 
  • Pakistan
  • South Africa
  • New Zealand 
  • West Indies
  • Sri Lanka 
  • Bangladesh
  • Zimbabwe
  • United Arab Emirates
  • Scotland
  • England
  • Ireland
  • Afghanistan (First in World Cups)

Indian Highlights at the World Cup 2015
  • India defeated Pakistan for the 6th Time in A Row in World Cups.
  • For the first time India defeated South Africa in a World Cup match.
  • MS Dhoni's 100th ODI win as India captain came against Bangladesh. The first non-Australian captain to won 100 ODI matches and first Indian captain to achieve the mark. He is also the third captain to won 100 matches, after two Australians, Ricky Ponting, and Allan Border.
  • A record seventh consecutive match in which India bowled the opposition out.
  • India lost to Australia as a result Australia never lost a World Cup Semi Final. As a result of this match, no Asian team qualified for World Cup final, for the first time since 1987.

Key Highlights from World Cup Matches:
  • Kumar Sungakkara (SL) became the second highest run scorer in ODIs.
  • Four players were dismissed for golden ducks during Scotland's innings against New Zealand, the first such instance in World Cups.
  • Shakib Al Hasan became the first Bangladeshi cricketer to achieve 4000 ODI runs.
  • Brendon McCullum (NZ) scored the fastest fifty in World Cup history (18 balls), the third-fastest overall and the fastest ODI fifty by a New Zealander.
  • Kumar Sungakkara became the fourth cricketer to play 400 ODI matches.
  • Dilshan's score of 161 not out was the highest individual score in an ODI without hitting a six.
  • The Chappell-Hadlee Trophy, the trophy which is usually the prize in any stand-alone ODI series between Australia and New Zealand.
  • Lahiru Thirimanne became the youngest Sri Lankan player to score a century at a World Cup.
  • Joe Root became the youngest English player to score a century at a World Cup.
  • Australia's score of 417/6 against debutant Afghanistan is the highest in World Cup history. Dawlat Zadran (Afg) became the third bowler in World Cup matches to concede 100 runs or more in an innings. Australia's victory margin of 275 runs is the highest in World Cup history.
  • Kyle Coetzer scored Scotland's first ever World Cup century and the highestscore by an associate nation player in World Cups.
  • Kumar Sungakkara became the second player to score 14,000 ODI runs, and scored a record third consecutive World Cup century.
  • Mahmudullah Riyad became the first Bangladesh player to score two consecutive World Cup centuries.
  • Chris Gayle became the first batsman to score a Double Century in a World Cup match and the first ever non-Indian batsman to score an ODI Double Century. Gayle's Double Century was also the fastest Double Century in ODI cricket. Gayle's 16 sixes in his innings equaled the ODI record jointly held by Rohit Sharma and AB de Villiers.
  • The first time Pakistan defeated South Africa in a World Cup match.
  • Jean Paul Duminy (SA) became the first South African to take a World Cup hat-trick.
  • AB de Villiers now holds the records for the most sixes in one World Cup tournament (20) and the most sixes in all World Cup matches (36).
  • The highest successful run-chase in a World Cup knockout match came forNew Zealand against South Africa in the Semi Finals.
  • The first time New Zealand qualified for a World Cup final.
  • Kumar Dharmasena of Sri Lanka was the umpire in World Cup Final. He is the only player to play in a World Cup Final (1996) and umpire in one(2015).
  • S.Ravi of India was in the ICC Cricket World Cup 2015 Umpire panel.

Retirements from ODIs
MichaelClarke Australia
ShahidAfridi Pakistan
Misbah-ul-Haq Pakistan
MahelaJayawardene Sri Lanka
KumarSangakkara Sri Lanka
KhurramKhan U A E
BrendanTaylor Zimbabwe
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SEBI Recruitment - 2015

Bankers Guru

Securities and Exchange Board of India (SEBI), is a statutory regulatory body established by an Act of Parliament, to protect the interests of investors in securities, to promote the development of and to regulate the securities market. SEBI invites applications from Indian citizens for the post of Officer Grade A (Information System (Technical Stream)).SEBI reserves the right to fill up the post or not to fill up the post at all. 
  1. Advertisement for Recruitment of Officer Grade A - Information System (Technical Stream)
Important dates:
On line Application13-03-2015 to 31-03-2015
Payment of Fee (Online Only)13-03-2015 to 31-03-2015
Date of On-Line Examination26-04-2015 or 29-04-2015 (tentative)

SSC CGL 2014 Marks Out

Bankers Guru

SSC has released the marks of CGL (Tier - 1) 2014 ( For Both Qualified and Non-Qualified Candidate)

Click Here For Marks-

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Punjab National Bank Recruitment of Specialist Officer

Bankers Guru
Punjab National Bank is Recruiting Specialist Officer 2014-15

Important Dates-
  • Opening Date for On-line Registration -31.03.2015
  • Closing Date for On-line Registration -16.04.2015
  • Tentative Date of On-line Examination -29.05.2015 (FRIDAY)
  • Downloading of Call Letters for Test On or After -12.05.2015

Click Here For Details

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SBI Clerk 2014 Final Marks

Bankers Guru
Dear Readers,
State bank of India has released the marks of Clerk 2014. Check from the following link-

Click here for MARKS DETAILS

Top Headlines-25.03.15

Bankers Guru
1. Shashi Kapoor, the veteran actor and producer was chosen for the 46th edition of the Dadasaheb Phalke Award, which is the most prestigious film award in India. This award is conferred by the Government of India for outstanding contribution to the growth and development of Indian Cinema. Shashi Kapoor (77), the son of Prithviraj Kapoor and younger brother of Raj Kapoor and Shammi Kapoor, started acting in films as a child in the late 1940s.

हिंदी फिल्मों में अपने जमाने के मशहूर अभिनेता तथा फिल्म निर्माता शशि कपूर को भारत में फिल्म क्षेत्र का सर्वोच्च सम्मान दादासाहेब फाल्के पुरस्कार देने की घोषणा केन्द्र सरकार ने की। यह इस पुरस्कार का 46वाँ संस्करण होगा। यह पुरस्कार भारतीय सिनेमा के विकास और वृद्धि के लिए उत्कृष्ट योगदान हेतु भारत सरकार द्वारा प्रदत्त है। 77 वर्षीय शशि कपूर मशहूर थियेटर एवं फिल्म कलाकार पृथ्वीराज कपूर के पुत्र तथा राजकपूर व शम्मी कपूर के छोटे भाई हैं। उन्होंने अपने फिल्मी करियर की शुरूआत 40 के दशक में एक बाल कलाकार के रूप में की थी। 

2. A Qatar-based logistics firm, Milaha Maritime and Logistics, a subsidiary of the Qatar- based Milaha Group has launched the first-ever direct container service between Qatar and India to further facilitate the bilateral trade that has witnessed a significant growth in the recent years. The non-stop service will connect Qatar's Doha port with India's largest port Nhava Sheva, also known as Jawaharlal Nehru Port located in Mumbai. The new weekly service will enable direct shipments between Nhava Sheva and Doha, thus increasing reliability and reducing transit time and costs.

कतर की एक लॉजिस्टिक कंपनी ने कतर और भारत के बीच पहली डायरेक्‍ट कंटेनर सर्विस शुरू की है। हाल ही के वर्षों में दोनों देशों के बीच द्वीपक्षीय व्‍यापार में जो वृद्धि हुई है, यह सर्विस उसे और बढ़ाएगी। यह नॉन स्‍टॉप सर्विस कतर के दोहा पोर्ट को भारत के सबसे बड़े पोर्ट जवाहरलाल नेहरू पोर्ट से जोड़ेगी। कतर की मिलाहा ग्रुप की सब्सिडियरी मिलाहा मैरीटाइम एंड लॉजिस्टिक ने यह सर्विस लांच की है। नई साप्‍ताहिक सेवा जवाहरलाल नेहरू पोर्ट और दोहा के बीच सीधे शिपमेंट की सुविधा देगी। इस सेवा के शुरू होने से समय और लागत दोनों कम होंगे। 

3. HDFC Bank managing director Aditya Puri has featured in the list of 30 best CEOs, published by America's financial magazine Barron's. According to the magazine, this year seven other CEOs have been added to its 11th annual list.

एचडीएफसी बैंक के प्रबंध निदेशक आदित्य पुरी अमेरिकी वित्तीय पत्रिका बैरंस द्वारा जारी 30 सर्वश्रेष्ठ मुख्य कार्यपालकों की सूची में शामिल हैं। पत्रिका ने अपनी इस 11वीं वाषिर्क सूची का प्रकाशन करते हुए कहा कि इस साल सात नये सीईओ शामिल किये गये हैं जिसमें एचडीएफसी के प्रबंध निदेशक आदित्य पुरी भी शामिल हैं।

4. The SEBI approved guidelines to govern International Financial Services Centres (IFSC). India’s first such International Financial Services Centres will be established in Gujarat International Finance Tec-City (GIFT City).The GIFT City is being established near Ahmedabad in Gujarat. The new norms for IFSCs approved by SEBI aims to ease the setting up of stock exchanges and capital market infrastructure in such centres.

सेबी द्वारा प्रस्तावित अंतर्राष्ट्रीय वित्तीय सेवा केन्द्रों की स्थापना के बारे में विस्तृत दिशानिर्देश जारी कर दिए। देश में इस प्रकार का पहला अंतर्राष्ट्रीय वित्तीय सेवा केन्द्र गुजरात इंटरनेशनल फाइनेंस टेक-सिटी (गिफ्ट सिटी) में स्थापित किया जा रहा है। गुजरात की राजधानी गाँधीनगर में स्थापित किए जा रहे गुजरात इंटरनेशनल फाइनेंस टेक-सिटी को भारत में अपनी तरह का पहला अंतर्राष्ट्रीय वित्तीय सेवा केन्द्र बताया जा रहा है। जारी किए गए इन दिशानिर्देशों के अनुसार स्टॉक एक्सचेंजों को ऐसे अंतर्राष्ट्रीय वित्तीय सेवा केन्द्रों में स्थापित करना आसान होगा। 

5. China and Europe are in collaboration for the launch of a low-cost space mission. The proposed project, called Discovering the Sky at the Longest Wavelengths (DSL), is one of around 15 submitted for a call by the European Space Agency (ESA) and the Chinese Academy of Sciences (CAS) that concluded recently, Nature reported. The DSL project would use the satellite array to detect radio signals with wavelengths a few hundred meters in length.

चीन और यूरोपीय संघ ने कम लागत वाला एक अंतरिक्ष अभियान शुरू करने के लिए हाथ मिलाया है। पत्रिका 'नेचर' की रपट के अनुसार, इस प्रस्तावित परियोजना को 'डिस्कवरिंग द स्काई एट द लॉन्गेस्ट वेवलेंथ्स' (डीएसएल) नाम दिया गया है। हाल ही में समाप्त हुई यूरोपीय अंतरिक्ष एजेंसी (ईएसए) और चीनी विज्ञान अकादमी (सीएएस) की बैठक में 15 अभियान शुरू करने पर सहमति बनी, जिसमें से एक डीएसएल भी है। डीएसएल परियोजना के तहत रेडियो संकेतों का पता लगाने के लिए उपग्रहों का इस्तेमाल करेगा। 

6. The Securities and Exchange Board of India (SEBI) made it easier for domestic funds to manage offshore pooled assets by dropping the so-called ‘20-25 Rule’. It required a minimum of 20 investors and a cap of 25% on investment by an individual, for funds from low-risk foreign investors.

भारत के प्रतिभूति एवं विनिमय बोर्ड (सेबी) ने आयोजित अपनी बोर्ड मीटिंग में घरेलू फण्डों द्वारा विदेशों में पूल्ड परिसम्पत्तियों के प्रबन्धन को आसान करने के उद्देश्य से “20-25 नियम” को समाप्त करने की घोषणा कर दी। इस नियम के अंतर्गत विदेशी फण्ड में कम से कम 20 निवेशक होना आवश्यक था तथा किसी भी एक निवेशक की उस फण्ड में 25% से अधिक हिस्सेदारी नहीं हो सकती थी।

7. Romania's Simona Halep secured the biggest title of her career as she defeated Jelena Jankovic to win the Indian Wells. Simona Halep claimed her first Indian Wells Open Tennis Women's Singles title. With a marathon 2-6 7-5 6-4 victory over former champion Jelena Jankovic, Halep clinched the title.

रोमानिया की सिमोना हालेप ने करियर की सबसे बड़ी जीत हासिल करते हुये पूर्व चैंपियन येलेना यांकोविच को पराजित कर इंडियन वेल्स महिला एकल का खिताब अपने नाम कर लिया। हालेप ने यांकोविच को फाइनल में 2-6 7-5 6-4 से हराकर खिताब अपने नाम कर लिया। 

8. The Asian Development Bank (ADB) projected India's growth rate to surpass China and improve to 7.8 per cent in next fiscal and further to 8.2 per cent in 2016-17.

एशियाई विकास बैंक (एडीबी) ने अनुमान जताया कि भारत की वृद्धि दर चीन को पार कर अगले वित्त वर्ष के दौरान बढ़कर 7.8 प्रतिशत हो जाएगी और 2016-17 में यह 8.2 प्रतिशत हो जाएगी।

9. The 62nd National Film Awards have been announced. Kangana Ranaut wins the Best Actress Award for her performance in "Queen". Priyanka Chopra starrer "Mary Kom" wins the the Best Popular Film providing wholesome entertainment. Bobby Simha wins the Best Supporting Actor for Tamil movie "Jigarthanda". Queen also won Best Hindi Film. Best Feature Film was won by the multi-lingual Court.

62वें राष्ट्रीय फिल्म पुरस्कारों की घोषणा की गई है। कंगना राणावत ने "क्वीन" में अपने अभिनय के लिए सर्वश्रेष्ठ अभिनेत्री का पुरस्कार जीता है। प्रियंका चोपड़ा अभिनीत फिल्म "मैरीकॉम" ने सर्वश्रेष्ठ लोकप्रिय फिल्म जिसने संपूर्ण मनोरंजन प्रदान किया का पुरस्कार जीता है। बॉबी सिंहा ने तमिल फिल्म "जिगरथंडा" के लिए सर्वश्रेष्ठ सहायक अभिनेता का पुरस्कार जीता है। क्वीन ने सर्वश्रेष्ठ हिंदी फिल्म का पुरस्कार भी जीता। सर्वश्रेष्ठ फीचर फिल्म का पुरस्कार बहुभाषी फिल्म "कोर्ट" ने जीता।
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Bankers Guru
General Insurance Corporation announced the Result for the post of Scale - I Officer (Assistant Manager).

Click here for the RESULT


Bankers Guru
Inactive Account:
An account that has little or no activity; neither deposits nor withdrawals having been posted to the account for a significant period of time.

Index-linked Certificate of Deposit:
An index-linked CD is a deposit obligation of the issuing bank and is often sold through bank branches and affiliated and unaffiliated brokers. Index-linked CDs provide the investor the ability to participate in the appreciation, if any, of a particular index, during the term of the CD. Index-linked CDs may have complicated payout structures and may not be suitable or appropriate for all investors. Investors should carefully review the investment risk considerations detailed in the relevant offering documents and disclosure statements. Index-linked CDs are not securities and are not registered under securities laws.

Individual Account:
An account in the name of one individual.

Individual Retirement Account (IRA):
A retirement savings program for individuals to which yearly tax-deductible contributions up to a specified limit can be made. The amount contributed is not taxed until withdrawn. Withdrawal is not permitted without penalty until the individual reaches age 59 1/2.

Insufficient Funds:
When a depositor's checking account balance is inadequate to pay a check presented for payment.

Insurance (Hazard):
Insurance to protect the homeowner and the lender against physical damage to a property from sources such as but not limited to fire, wind, or vandalism.

Insured Deposits:
Deposits held in financial institutions that are guaranteed by the Federal Deposit Insurance Corporation (FDIC) against loss due to bank failure.

The term interest is used to describe the cost of using money, a right, share, or title in property.

Interest Rate:
The amount paid by a borrower to a lender in exchange for the use of the lender's money for a certain period of time. Interest is paid on loans or on debt instruments, such as notes or bonds, either at regular intervals or as part of a lump sum payment when the issue matures.

Interest Rate Index:
IA table of yields or interest rates being paid on debt that is used to determine interest-rate changes for adjustable-rate mortgages and other variable-rate loans.

NICL AO Previous Year Question Paper

Bankers Guru
Dear Readers,

Download NICL AO 2013-14 Question Paper from the following link.

Descriptive paper :
1. Comprehension was about manual scavengers.
2. Essay topics were, the changes mobile phones have made in communication and the privatizing insurance companies.
3. The précis writing was about Indian theaters.

Click here to Download

FCI 2013-14 AG-III : Cut-off

Bankers Guru

Cut-off of FCI Assistant Grade-III General, Depot Paper I was:

Cut-off 99.50 88.75 81.00 78.50 60.00 72.50 50.00 50.00

The total marks of AG-3 General Depot of FCI 2013-14 Exam were 200 in the Paper I.

File Online RTI

Bankers Guru
To file an Online RTI you will need: A Computer, Internet Connection and Online Payment Facility.

Step 1: Visit the official website of government. There are thousands of websites claiming for Online RTI but there is only one Official Website.

Step 2: On top you will see SUBMIT REQUEST. No need to create any account or sign up for anything. Just click on Submit Request. DO NOT click on SUBMIT FIRST APPEAL.

Step 3: A terms and condition page will pop-up. Accept the terms and Go ahead.

Step 4: Choose the Department and the Public Authority.

For SSC exams, Select Department of Personnel and Training (DoPT) then choose SSC HQ from Public Authority.

For RBI exams, Select Department of Financial Services and Choose Reserve Bank of India from Public Authority.

For Insurance exams, Select Department of Financial Services andChoose Department of Financial Services again from Public Authority.

YOU CANNOT SUBMIT RTI FOR IBPS EXAMS. However, you can choose Department of Financial Services and Submit RTI for Banks(After Final Results).

Step 5: You fill in your Information, Name, Address, Contact E-Mail, Phone Number(for SMS).

Step 6: Choose either you are under BPL or Not. BPL candidates will not have to pay any kind of RTI fees. Enter the BPL details.

Step 7: Write your query. Start with a simple "Sir" and write your queries with full letters.
"can i know my marks" is NOT Accepted. Give a "Regards" with your name. Be precise, don't write too much.

Step 8: Upload a Supporting Document if you have any. For eg. your Call letter. Enter the Security Code and Proceed to Payment if you are not BPL candidate. In case you are BPL candidate, you must submit a Valid Document for Proof.

Step 9: Make Payment and you will be given a Login Credentials.

Use the login credentials for checking your RTI status.


FCI - Notification 2015

Bankers Guru
Those candidates who successfully submit their online Application till 17.03.2015 (2400 hours) i.e. the scheduled date and time will be allowed to make the payment of Application Fee through already prescribed mode till 27.03.2015 (2400 hours). No fresh registrations will be allowed after 17.03.2015 (2400 hours), extension is only for submission of Application Fee.


Bankers Guru
A legal process that allows a creditor to remove funds from your bank account to satisfy a debt that you have not paid. If you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt.

Guaranteed Student Loan:
An extension of credit from a financial institution that is guaranteed by a Federal or State government entity to assist with tuition and other educational expenses. The government entity is responsible for paying the interest on the loan and paying the lender to manage it. The government entity also is responsible for the loan if the student defaults.

A party who agrees to be responsible for the payment of another party's debts should that party default.




Bankers Guru

Objective of "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" is ensuring access to various financial services like availability of basic savings bank account, access to need based credit, remittances facility, insurance and pension to the excluded sections i.e. weaker sections & low income groups. This deep penetration at affordable cost is possible only with effective use of technology.

Hon'ble Prime Minister, Sh. Narendra Modi on 15 August, 2014 announced "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" which is a National Mission for Financial Inclusion.

Scheme Details
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.
Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. PMJDY accounts are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.

Special Benefits under PMJDY Scheme
  • Interest on deposit.
  • Accidental insurance cover of Rs.1.00 lac
  • No minimum balance required.
  • Life insurance cover of Rs.30,000/-
  • Easy Transfer of money across India
  • Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
  • After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
  • Access to Pension, insurance products.
  • Accidental Insurance Cover, RuPay Debit Card must be used at least once in 45 days.
  • Overdraft facility upto Rs.5000/- is available in only one account per household, preferably lady of the household.
National Institution for Transforming India (NITI) Aayog

NITI Aayog will seek to provide a critical directional and strategic input into the development process. Government had announced formation of NITI Aayog on 1 January 2015.

In accordance with a key announcement made by Prime Minister Narendra Modi on Independence Day, the Union Government today established NITI Aayog (National Institution for Transforming India), as replacement for the Planning Commission. This comes after extensive consultation across the spectrum of stakeholders, including state governments, domain experts and relevant institutions.
NITI Aayog will seek to provide a critical directional and strategic input into the development process.

The centre-to-state one-way flow of policy, that was the hallmark of the Planning Commission era, is now sought to be replaced by a genuine and continuing partnership of states.

NITI Aayog will emerge as a “think-tank” that will provide Governments at the central and state levels with relevant strategic and technical advice across the spectrum of key elements of policy.
The NITI Aayog will also seek to put an end to slow and tardy implementation of policy, by fostering better Inter-Ministry coordination and better Centre-State coordination. It will help evolve a shared vision of national development priorities, and foster cooperative federalism, recognizing that strong states make a strong Nation.

The NITI Aayog will develop mechanisms to formulate credible plans to the village level and aggregate these progressively at higher levels of government. It will ensure special attention to the sections of society that may be at risk of not benefitting adequately from economic progress.
The NITI Aayog will create a knowledge, innovation and entrepreneurial support system through a collaborative community of national and international experts, practitioners and partners. It will offer a platform for resolution of inter-sectoral and inter-departmental issues in order to accelerate the implementation of the development agenda.
In addition, the NITI Aayog will monitor and evaluate the implementation of programmes, and focus on technology upgradation and capacity building.

Through the above, the NITI Aayog will aim to accomplish the following objectives and opportunities:-
·An administration paradigm in which the Government is an “enabler” rather than a “provider of first and last resort.”
·Progress from “food security” to focus on a mix of agricultural production, as well as actual returns that farmers get from their produce.
·Ensure that India is an active player in the debates and deliberations on the global commons.
·Ensure that the economically vibrant middle-class remains engaged, and its potential is fully realized.
·Leverage India`s pool of entrepreneurial, scientific and intellectual human capital.
·Incorporate the significant geo-economic and geo-political strength of the Non-Resident Indian Community.
·Use urbanization as an opportunity to create a wholesome and secure habitat through the use of modern technology.
·Use technology to reduce opacity and potential for misadventures in governance.

The NITI Aayog aims to enable India to better face complex challenges, through the following:-
·Leveraging of India’s demographic dividend, and realization of the potential of youth, men and women, through education, skill development, elimination of gender bias, and employment.
·Elimination of poverty, and the chance for every Indian to live a life of dignity and self-respect.
·Reddressal of inequalities based on gender bias, caste and economic disparities.
·Integrate villages institutionally into the development process.
·Policy support to more than 50 million small businesses, which are a major source of employment creation.
·Safeguarding of our environmental and ecological assets.

 The NITI Aayog comprises of the following:
Prime Minister of India as the Chairperson
Governing Council comprising the Chief Ministers of all the States and Lieutenant Governors of Union Territories
Regional Councils will be formed to address specific issues and contingencies impacting more than one state or a region. These will be formed for a specified tenure. The Regional Councils will be convened by the Prime Minister and will comprise of the Chief Ministers of States and Lt. Governors of Union Territories in the region. These will be chaired by the Chairperson of the NITI Aayog or his nominee
Experts, specialists and practitioners with relevant domain knowledge as special invitees nominated by the Prime Minister
Full-time organizational framework (in addition to Prime Minister as the Chairperson) comprising of:
Vice-Chairperson: To be appointed by the Prime Minister
Members: Two (2) Full-time
Part-time members: Maximum of two from leading universities research organizations and other relevant institutions in an ex-officio capacity. Part time members will be on a rotational basis
Ex Officio members: Maximum of four members of the Union Council of Ministers to be nominated by the Prime Minister
Chief Executive Officer: To be appointed by the Prime Minister for a fixed tenure, in the rank of Secretary to the Government of India.

Present Members
The various members of NITI Aayog are:
  • Chairperson: Prime Minister Narendra Modi
  • Vice Chairperson: Arvind Panagariya
  • Ex-Officio Members: Rajnath Singh, Arun Jaitley, Suresh Prabhu and Radha Mohan Singh
  • Special Invitees: Nitin Gadkari, Smriti Zubin Irani and Thawar Chand Gehlot
  • Full-time Members: Bibek Debroy & V. K. Saraswat
  • Governing Council: All Chief Ministers and Lieutenant Governors of Union Territories
  • CEO: Sindhushree Khullar
Things that differentiate NITI Aayog from Planning Commission

NITI Aayog Planning Commission
Financial clout       To be an advisory body, or a think-tank. The powers to allocate funds might be vested in the finance ministry   Enjoyed the powers to allocate funds to ministries and state governments
Full-time members        The number of full-time members could be fewer than Planning Commission The last Commission had eight full-time members
States' role        State governments are expected to play a more significant role than they did in the Planning Commission States' role was limited to the National Development Council and annual interaction during Plan meetings
Member secretary        To be known as the CEO and to be appointed by the prime minister Secretaries or member secretaries were appointment through the usual process
Part-time members        To have a number of part-time members, depending on the need from time to time Full Planning Commission had no provision for part-time members

Pradhan Mantri Adarsh Gram Yojana (PMAGY) is a rural development programme launched by the Central government in India in the financial year 2009–10 for the development of villages having a higher ratio (over 50%) of people belonging to the scheduled castes through convergence of central and state schemes and allocating financial funding on a per village basis.
The plan is considered ambitious as it aimed to bring a number of development programs to the villages. Some of these programs are Bharat Nirman, Pradhan Mantri Gram Sadak Yojana (PMGSY) for rural roads, water supply, housing, electrification and other big-ticket schemes like Sarva Shiksha Abhiyan, Mahatma Gandhi National Rural Employment Guarantee Act, ICDS, sanitation. This program would be applicable to around 44,000 villages which had a scheduled castes population above 50% and so qualified for PMAGY.
The Plan aims to build an "Adarsh Gram" (Model village} which has adequate physical and institutional infrastructure, in which minimum needs of all sections of the society are fully met. The village which is progressive and dynamic and its residents live in harmony. All the facilities necessary for dignified living should be available and the residents are enabled to utilise their potential to the fullest.

The aim of the scheme is to integrated development of the selected villages so that they have all required physical and social infrastructure for an all round socio-economic development. Another objectives of the plan is elimination of disparity between SCs and other communities in terms of common socio-economic indicators such as literacy rate, completion rate of elementary education, infant mortality rate/maternal mortality rate and ownership of productive assets. To ensure the implementation two committees an advisory committee headed by the Deputy Chief Minister and a steering committee headed by the Chief Secretary have been formed.

Adopted Villages
• Under the scheme, Narendra Modi has adopted Jayapur village from his constituency Varanasi in Uttar Pradesh.
• Sonia Gandhi adopted Udwa village in her constituency Rae Bareli in Uttar Pradesh.
• Rahul Gandhi adopted Deeh village in his constituency Amethi in Uttar Pradesh.
• V. K. Singh adopted Mirpur Hindu in his constituency Ghaziabad, Uttar Pradesh.
• Ahmed Patel adopted Vandari village in Rajpipada, Gujarat.
• Sachin Tendulkar adopted Puttamraju vari Kandriga(P.R.Kandriga) a village near Gudur in Nellore district of Andhra Pradesh.

Make in India is an international marketing campaigning slogan coined by the Prime Minister of India, Narendra Modi on 25 September 2014 to attract businesses from around the world to invest and manufacture in India. The campaign has been concentrated to fulfill the purpose of job creation, enforcement to secondary and tertiary sector, boosting the national economy, converting the India to a self-reliant country and to give the Indian economy global recognition. The 'Make in India' also attempts to enforce the inflow of FDI in the country and improve services by partial privatization of loss-making government firms. The campaign is completely under control of the Central Government of India.

The major objective behind this initiative is to focus upon the heavy industries and public enterprises while generating employment, empowering secondary and tertiary sector and utilizing the human resource present in India.
The highlights and purpose of Make in India include making India a manufacturing hub and economic transformation in India while eliminating the unnecessary laws and regulations, making bureaucratic processes easier and shorter, and make government more transparent, responsive and accountable and a government emphasized upon the framework which include the time-bound project clearances through a single online portal which will be further aided by the eight-members team dedicated to answering investor queries within 48 hours and addressing key issues including labour laws, skill development and infrastructure.


Union Cabinet launched the Digital India Programme. The programme is worth 1 lakh crore rupees and seeks to transform the Indian economy into a digitally empowered knowledge economy.

The Digital India programme is a transformed version of the already running National e-Governance Plan. The programme will be implemented in phases from 2014 till 2018.

Aim of the Programme
The project aims to provide thrust to nine growth areas. These are: broadband highways, everywhere mobile connectivity, Public Internet Access Programme, e-Governance, e-Kranti (which aims to give electronic delivery of services), information for all, electronics manufacturing, IT for Jobs and early harvest programmes. Projects
included in the program aim to ensure that government services are available to citizens electronically and people get benefit of the latest information andcommunication technology.

Know Your Organization - ICAO

Bankers Guru

The International Civil Aviation Organization (ICAO) is a specialized agency of the United Nations. It codifies the principles and techniques of international air navigation and fosters the planning and development of international air transport to ensure safe and orderly growth. Its headquarters are located in the Quartier International of Montreal, Quebec, Canada.

The ICAO Council adopts standards and recommended practices concerning air navigation, its infrastructure, flight inspection, prevention of unlawful interference, and facilitation of border-crossing procedures for international civil aviation. ICAO defines the protocols for air accident investigation followed by transport safety authorities in countries signatory to the Convention on International Civil Aviation (Chicago Convention).

The Air Navigation Commission (ANC) is the technical body within ICAO. The Commission is composed of 19 Commissioners, nominated by the ICAO's contracting states, and appointed by the ICAO Council. Commissioners serve as independent experts, who although nominated by their states, do not serve as state or political representatives. The development of Aviation Standards and Recommended Practices is done under the direction of the ANC through the formal process of ICAO Panels. Once approved by the Commission, standards are sent to the Council, the political body of ICAO, for consultation and coordination with the Member States before final adoption.

ICAO is distinct from the International Air Transport Association (IATA), a trade association representing 240 of the world’s airlines, also headquartered in Montreal, or with the Civil Air Navigation Services Organisation (CANSO), an organization for Air Navigation Service Providers (ANSPs) with its headquarters at Amsterdam Airport Schiphol in the Netherlands. These are trade associations representing specific aviation interests, whereas ICAO is a body of the United Nations.

Flag of ICAO.svg
ICAO flag
Abbreviation ICAO
Formation 4 April 1947[1]
Type UN agency
Legal status Active
Headquarters Montreal, Quebec, Canada
France Raymond Benjamin

Land Acquisition (amendment) Bill, 2015

Bankers Guru
Where: Lok Sabha
What: Passed
When: 10 March 2015

Lok Sabha on 10 March 2015 passed the Land Acquisition (amendment) Bill, 2015 by voice vote. The bill amends the Right to Fair Compensation and Transparency in Land Acquisition, Rehabilitation and Resettlement (RFCTLARR) Act, 2013.

The Land Acquisition (amendment) Bill seeks to ratify an ordinance or emergency executive order which was passed on 29 December 2014.

Before being passed the Union Government made nine amendments in the Bill (more than 50 were proposed) which was promulgated on 29 December 2014. But it refused to bring back the consent clause or social impact assessment.

Nine amended provisions which were accepted includes
• Removed exemptions for Social Infrastructure Projects in public-private-partnership mode
• Land that will be acquired for industrial corridors will be limited to one kilometre on either side of highways and railway lines
• Compulsory employment will be provided to one member of a farming family that is selling its land
• A hassle-free grievance redressal mechanism of land losers will be put in place
• Farmers may get right to appeal/complain over land acquisition hearing and redressal of grievances at the district level
• Ceiling on land for acquisition in industrial corridors
• Panchayat's nod may be mandatory for acquiring tribal land
• Government may acquire land for government bodies, corporations
• Term private entity was replaced with private enterprise

Comment and Analysis
The Bill that replaces the Right to Fair Compensation and Transparency in Land Acquisition, Rehabilitation and Resettlement (RFCTLARR) Act, 2013 saw debates and protests across the country since the time the ordinance related to it was passed. The main point that raised protests was the removal of the consent clause or social impact assessment.
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NIACL Assistants Interview Schedules

Bankers Guru
New India Assurance Company Ltd (NIACL) has released the State-wise Interview Schedule of NIACL Assistants recruitment 2015. For provisionally shortlisted candidates for Personal Interview, Recruitment of Assistants-2014 :Test held on 17th and 18th January 2015.

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Know Your Organization - UNICEF

Bankers Guru
The United Nations Children's Fund UNICEF is a United Nations Program headquartered in New York City that provides long-term humanitarian and developmental assistance to children and mothers in developing countries. It is one of the members of the United Nations Development Group and its Executive Committee.

UNICEF was created by the United Nations General Assembly on December 11, 1946, to provide emergency food and healthcare to children in countries that had been devastated by World War II. Ludwik Rajchman, a Polish bacteriologist, is regarded as the founder of UNICEF and was its first chairman from 1946 to 1950. In 1953, UNICEF became a permanent part of the United Nations System and its name was shortened from the original United Nations International Children's Emergency Fund but it has continued to be known by the popular acronym based on this previous title.

Abbreviation UNICEF
Formation December 1946
Type Fund
Legal status Active
Headquarters New York City
Anthony Lake
Parent organization
United Nations Economic and Social Council
Website UNICEF official site

Purvanchal Bank Recruitment 2015

Bankers Guru
Purvanchal Bank has delivered notification for the recruitment of Officer Scale-I, and Office Assistant (Multipurpose) posts. who have appeared in the Common Written Examination for RRBs III conducted by IBPS in September/ October 2014 and have valid score card can apply online from 17-03-2015 and 31-03-2015.
Important Dates: 
Opening Date for Online Registration: 17-03-2015. 
Closing Date for Online Registration: 31-03-2015.
Name of the Post: 
1. Officer Scale-I: 77 posts
2. Office Assistant (Multipurpose): 165 posts

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Interview Schedule For specialist Officer

Bankers Guru
Dear Readers,
We are providing you Interview Schedule For specialist Officer 2015.
Branch Name  Batch -01 Date  Batch-02 Date  Branch Contact Number 
AGRA Wednesday, March 11, 2015 Monday, March 16, 2015 9208205913
BAREILLY Wednesday, March 11, 2015 Monday, March 16, 2015 9235253432
DEHRADUN Wednesday, March 11, 2015 Monday, March 16, 2015 9236510116
MEERUT Wednesday, March 11, 2015 Monday, March 16, 2015 9208205910
BHOPAL Wednesday, March 11, 2015 Monday, March 16, 2015 9200186339
INDORE Wednesday, March 11, 2015 Monday, March 16, 2015 7581800953
GWALIOR Wednesday, March 11, 2015 Monday, March 16, 2015 9200377275
NAGPUR Wednesday, March 11, 2015 Monday, March 16, 2015 9209863375
PUNE Wednesday, March 11, 2015 Monday, March 16, 2015 9209832722
AHMEDABAD Wednesday, March 11, 2015 Monday, March 16, 2015 9228202732
CHANDIGARH Wednesday, March 11, 2015 Monday, March 16, 2015 9217669927
LUDHIANA Wednesday, March 11, 2015 Monday, March 16, 2015 9217298163
JAMMU Wednesday, March 11, 2015 Monday, March 16, 2015 9419305561
DELHI-LAXMI NAGAR Wednesday, March 11, 2015 Monday, March 16, 2015 9268693952
JAIPUR Wednesday, March 11, 2015 Monday, March 16, 2015 9214713713
BANGALORE Wednesday, March 11, 2015 Monday, March 16, 2015 9538712808
HYDERABAD Wednesday, March 11, 2015 Monday, March 16, 2015 8790034792
BHUBANESHWAR Wednesday, March 11, 2015 Monday, March 16, 2015 9237081352
KOLKATA Wednesday, March 11, 2015 Monday, March 16, 2015 9230141497
LUCKNOW-INDIRA NAGAR PDH Wednesday, March 11, 2015 Monday, March 16, 2015 9208175813
KANPUR-KAKADEV Wednesday, March 11, 2015 Monday, March 16, 2015 9208206019
PATNA-BOARING ROAD Wednesday, March 11, 2015 Monday, March 16, 2015 9204855302
RANCHI Wednesday, March 11, 2015 Monday, March 16, 2015 9204631321
ALLAHABAD Wednesday, March 11, 2015 Monday, March 16, 2015 9208205947
VARANASI Wednesday, March 11, 2015 Monday, March 16, 2015 9208205985
GORAKHPUR Wednesday, March 11, 2015 Monday, March 16, 2015 9208205892

Friday, March 13, 2015 MOCK 1 AS PER BRANCH SCHEDULE
Saturday, March 14, 2015 MOCK 2 AS PER BRANCH SCHEDULE
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Saptagiri Grameena Bank Recruitment 2015

Bankers Guru
Saptagiri Grameena Bank has delivered notification for the recruitment of Officer Scale-I, Scale-II (Law) and Office Assistant (Multipurpose) posts. Candidates Candidates who have appeared in the Common Written Examination for RRBs III conducted by IBPS in September/ October 2014 and have valid score card can apply online from 10-03-2015 and 25-03-2015.

Important Dates:Opening Date for Online Registration: 10-03-2015.
Closing Date for Online Registration: 25-03-2015.
Last Date for Reprint: 09-04-2015.

Name of the Post:
1. Officer Scale-II (Law): 01 post
2. Officer Scale-I: 25 posts
3. Office Assistant (Multipurpose): 60 posts


Bankers Guru

So in order to achieve success, or to be successful in life one needs to be excellent or should go for excellence, but a person going towards it needs some tools that will help him reach his goal, i.e. 
Excellence---à Success.

For reaching towards Excellence one must also have a Personality by which he can achieve Excellence, Bill Gates once in an interview said that “only those persons can afford to say that money is not important who have lots of it”. A shabby person will not look good telling how to dress properly. Likewise only that person can reach towards excellence that has a personality to reach there.
Many Scholars have given various Principles, thoughts etc on How to be Successful or Excel in life. In this paper I have stated 6 simple points on which if a person works on 90 days he/ she can move towards his goal (Excellence) very quickly and smoothly. I said 90 days because there is a saying that ”What we learn for a day gets stores for 7 days, what we learn for 7 days gets store for 21 days, what we learn for 21 days gets stored for 90 days and WHAT WE LEARN FOR 90 DAYS REMAINS WITH US FOR WHOLE LIFE”.

In this paper we will look on 6 (Six) points, i.e. A = Attitude, B=Behavior, C= Communication skills, D= Desire, E= Environment and F= Focus and their relation with each other and by using their combination how a person can reach towards Excellence and thus attain SUCCESS.

Every person we meet wants success! If in an interview an interviewer ask question what you want to be? 75% of interviewee says, “I want to be Successful”. Parents, Elders keep on saying to their wards that go for success, do not waste time loitering around. What is Success that everyone keeps on saying?
Success in the opinion of few is when a person is rich, happy, content with his life; etc is successful or has achieve success. But is it really so? Success does not have  a universal definition some say being rich is success, being on top of a company is success and so on, but the truth is that success has a different meaning for different people. For a Hungry person getting one meal is success, for a student who learns his first alphabet is success, etc.
Now next question arise how do we get success? Same is the case with this question also that for different people there are different ways to get success. But I like the answer of Mr. Amir Khan, a famous bollywood actor who said in one of his film, that “Do not run for Success, go for EXCELLENCE, Success will come to you automatically”. So now we have one answer for getting success and that is we have to aim for Excellence and we will get success in life.
“We are what we repeatedly do. Excellence, then, is not an act, but a habit.”
Now another question arises which is, what is Excellence and how to get it?  Excellence is, ‘the state or quality of excelling or being exceptionally good; extreme merit; superiority’. A great biblical verse explains the meaning of Excellence as, ‘The man become great. He continue to become greater until he was exceedingly great (Genesis chapter 26 verse 13). Now for the second part of the question as to how to achieve excellence, the answer is simple enough, “HAVE A GREAT PERSONALITY”, if you have a good and great personality than you can achieve excellence in a very short span of time and with great ease and comfort.
But here many people get stuck, as they argue that our personality is good enough, I have a great personality but then also I am not getting towards excellence or success. I am well dressed, I speak English, I take bath daily and so on and forth, but actually the thing is that they are only focusing on the outer aspect of their personality and do not look towards the inner self, or intrinsic factors that constitute a personality, it might be possible that a person who dresses well, have a good accent, etc might not be that successful as he ought to be. That is only because he does not have those intrinsic factors working well enough for him. I constitute these factors as A, B, C, D, E and F of the personality. If a person focuses on these factors than no one can stop him from becoming successful. Now let us study these points in detail and see that how there combination works.

We know that Success is not measured by our position in life but by the obstacles we overcome to get there. Some people succeed because they are destined to, but most because they are determined. For getting towards success a person needs to do hard work and must apply full energy as a great scholar once said, “The Pain of hard work is temporary, but the pain of regret is permanent”. People who succeed in life have a personality by which they outshine everyone else. Here in the figure five points are shown which are necessary to be present in human being for him to be successful in life.

Firstly, for a person to be successful he must have the A, i.e. the Attitude which defines the way one thinks, feels, acts or reacts in a particular situation. I have come across many people who by changing their attitudes have changed their way of life. “Attitudes are mirrors of mind; they reflect the thinking of a person”. A person having positive attitude has a positive way of dealing with all kinds of situations he may face in the tenure of his life. A person can move towards the path of success with choosing right steps and having right kind of attitude. The Attitude of a person determines his Altitude, a person with high and positive attitude walks 25% faster than an average man. We can come to know the importance of attitude in a person’s life by calculating the word ATTITUDE:

KNOWLEDGE = 11+ 14+15+23+12+5+7+5 = 92
ATTITUDE = 1+20+20+9+20+21+4+5 = 100

By thus simple calculation we come to know that Knowledge is necessary but Attitude is far more necessary than knowledge as with only knowledge one cannot achieve success.
Next, we come to the second important point of a good personality which is BEHAVIOUR, and is defined as “The actions or reactions of a person or animal in response to external or internal stimuli”. It is a well known fact that a person or persons only likes to interact with those who have a good behavior. If you are a person of sound behavior than you can solve many problems with the help of it whether it may be your workplace, home, school, society, etc.
By sound behavior we not only means the way to act in a particular event but to be reliable, hard working, honest, being positive, proactive etc so that with you many can also be benefitted.
Third main point for being successful is Communication Skills, which constitute 7% of the personality. Communication Skills can be defined as the way by which a person communicates and share his feelings with others be it by saying, writing, gesturing, etc. For effective communication a person needs to be clear in his thoughts, he must know how, what and when to communicate with others.
A person must also know about the do’s and don’ts of communication, he must be clear, concise in his words, must have a complete meaning about what he wants to say and so on.
 It was found in a study that for achieving SUCCESS, you must have 12% of good behavior, 7% of communication skill and 81% of attitude in you.

We have now looked how attitude, behavior and communication effects a person’s personality but have we all wondered that why some people still do not get success in their life irrespective of having the 3 core ingredients with them, it is only because of few missing points that they have ignored unintentionally and have suffered due to it.

These points are Desire, Environment and Focus,  desire plays a very major role in achieving success as a person who does not have a desire to do some work will not be able to do it be as hard as he tries to do. There is one more point worth mentioning here which is that desire does not come from the mind it comes from the heart,  if you apply your heart for a  work or goal and work on it then you are bound to get success.

Now if the person is having a desire for a goal then he needs a suitable environment also to get success, here I do not mean that if he does not have the correct environment than he will be termed as a failure, No! There are no failures in the society there are only people having success and people having delayed success. If a person gets right environment he will achieve his goal easily and get success, else a person with an unfavorable environment will also get success but after some time as he has to first make the environment favorable.
The last point in this respect from my side is making his environment favorable for achieving his goal. FOCUS, which itself tells us the way to success,
A person having no focus is a plane with no navigation system, it knows where it wants to go, but does not know how to reach there. An unfocussed person is like a flying kite with no one to guide him, he just keeps on flying but with no one to guide him he does not reach his goals and achieve success. Focus is very much necessary for a person as it helps him not only in achieving his goal but also helps him being a good and respected citizen of the society.
“Of course there is no formula for success except perhaps an unconditional acceptance of life and what it brings”. – Arthur Rubinstein


  • Identify skills that are of value to you, your family, your company and society, as these skills can be very useful for you in every sphere of life.
  • Keep your skills up to date, because if we think that we have accomplished everything in life, that is the point from where the downfall starts. So we need to keep our knowledge at par with the changing scenario.
  • There are two kinds of people in the world, one who learn from mistakes of others and other are those who learn by committing mistakes themselves. For those second types of persons if they are not able to drive their life then they should “FIND A MENTOR”.
  • Don’t hesitate to CHANGE, Change is inevitable, every person changes at one stage or another. So the person should not resist change, else it becomes very much difficult for the person to survive.
  • Work for the best and prepare for the worst”, a person should give his best in whatever he does but at the same time he should be prepared for ups and downs in his life.
  • Learn from leaders, we should take the examples of leaders and persons who have reached to the peak in their respective areas and try to make ourselves better.
  • One should never leave the side of HOPE (Have Open Perspective of Environment) but also not depend fully on that too, as excess of everything is harmful. There is a saying that goes,
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