The Problem Of NPA's Non Performing Assets in Banks and Its Solutions: My Hindi Speech in Hindi for In House Hindi Pakhwada at Syndicate Bank, Regional Office, Kolkata

The Problem Of NPA's Non Performing Assets in Banks and Its Solutions: My Hindi Speech
To be read in Hindi
For our In House "हिन्दी पखवाड़ा" 
at
Syndicate Bank, Regional Office, Kolkata

The above cartoon is from http://arbitmba.com 
Read this post using Google Translate placed on your Right :---->>>>>

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मान्यवर बंधु , कल मंगलवार दीनांक 11 सेप्टेम्बर सन 2012 को, कोलकता क्षेतरीय कार्यलय द्वारा आयोजित, हिन्दी पखवाड़े के अंतर्गत आयोजित, हिन्दी भाषण प्रतियोगिता मे मेरे द्वारा , " अनारजक असती (एनपीए) एनपीए की सबसे बफ़ी समस्या और समाधान, असती प्रबंधन/उन्नयन/निबटारा " विशे पर दीये गए भाषण का आलेख यहाँ मेरे ब्लॉग पर देकर, सर्वसाधारण को एनपीए प्रबंधन पर, मेरे अनुभव, मेरे संस्मरण एवं कुछ मूलभूत समस्या के बारे में सूचना एवं हिन्दी प्रचार प्राससार का दोहरा प्रयास है। कृपया हिन्दी बोलें, इसका प्रयोग आम बोल-चाल में अवश्य करें। मैं जीता जागता उद्दहरण हूँ, की कीस तरह, यदी मनुष्य द्ठान लेवे, की उसे कोई भाषा बोलनी है, तो वो उसे न केवल सीख सकता है, परंतु उसमे भली भाती प्रवीणता भी उपकभ्धा कर सकता है।
धन्यवाद
वेणुगोपाल

फेस्बूक अथवा टिवीटर पर हिन्दी में कैसे टाइप करे? एक आती आवश्यक पठन सामग्री, जो आपको अपने ट्वीट अथवा फेस्बूक अपडेट में सहायक होगा 

LINK

11Th September 2012
Kolkata.
Hindi Pakhwada Bhashan Pratiyogita mein mera Bhashan
Kshetriya Karyalaya, Kolkata

Hindi Pakhwade ke Dauran Mera Yogdaan

Yadi aap, Devnagri lipi padh saktein hain,

Krupya is Blog ko Hindi mein hi padhein.

    Kal aur aaj, hamare bank mein 2 diwasiya, hindi pakhwade ke tahat, kuch pratiyogitao ka ayojan kiya gaya. Ayojit hone waali pratiyogitayein theen:-

1 Hindi Lekhan preatiyogita
2 Hindi Bhashan Pratiyogita
Vishaya
1 Adhik Vyaapar mein Achchey Parisar ki  Bhoomika
2 KYC aayaam ki praasangikta
3 Banking mein Soochana Prodyogiki ki badhti maulikta
4 En Pee Aye ki sabsey bado samasya aur samadhaan,. Asti Prabandhan/Unnayan/Nibtara
5 Bank Ke Khudra Rina Utpad
6 Gair Byaaj Aay ka Mahatva
7 Aarthik Samayojan (Financial Inclusion)
8 Soochana Ka Adhikaar evam inka Bankon par prabhaav

Aap ko bata doon ki Hindi Diwas, har varsha 14 Sitambar ko manaya jaata hai, kyonki, is din 14 Sitambar, 1949 ko, Devnagri Lipi mein likhi gai Hindi ko Samvaidhanik Sabha ( Contituent Assembly) mei Rajbhasha ka Samvaidhanik Darja diya thaa.

                  Is kaaranvash, sabhi sarkari karyalayao mein, 1 Sitambar se 14 Sitambar tak Hindi Pakhwaadey ka aayojan kiya jaata hai.


Kuch angrezi ke lekh Anarjak Astiyo ( Non Performing Assets NPA) par yaha diye gaye hain

1 NPA Hit Banks turn to evergrreening of Assets LINK On the Economic Times dated 28TH August, 2012. CAUTION: These are views and not news!
2 Rising NPA's in the Banks GIST in short, a very brief and short introduction, useful for lay person, not well versant with Banking & its terminologies.
3 Bank NPA and Impact on Indian Economy LINK Detailed by Nandini Mishra, a well written article, based on actual NPA Data of Financial Year 2009-2010.
4 The Best tool in the hands of Bankers, for the solution of NPA's SARAFAESI Act , 2002.

i) Narasimhan Commitee Recommendations on NPA, which neccesitated SARAFAESI Act 2002
ii) T R Andhyarujina, a renowned Constitutional Expert, who represented in the Keshavananda Bharati V/s State of Kerala, the corner stone decision affecting Fundamental Rights, headed the panel, as Cahitman of the committee for Banking Laws(Andyarujina Committe) formed in 1998, by the Government of India, which let to passing of  Securitisation and Reconstruction of Financial Assets & Enforcement of Security Interest Act, 2002(SARFAESI Act).
iii) Legal Definition of SARAFAESI Act 2002.
iv) Lay persons guide to SARAFAESI Act, 2002.
v) Most detailed and correct legal explanation, with full process of SARAFAESI Act, 2002..

5 How Industry specific Business Cycle affects the health of a Borrowal Account. Assocham feels that Banks' Non Performing Assets may rise(in some sectors like telecom, airlines & agriculture) in The website indiatalkies.com dated August 13, 2011.
6 How bad business acumen of the promoter affects the Health of a borrowal account, a story telling by SwatiCA in The Hindu Businessline dated December 3, 2007 titled "Thin margins on large volumes could be a recipe for disaster"
7 Latest NPA Data via anirudhsethireport.com I CAUTION this is a private analysis and I do not take any responsibility towards anyone basing their decisions on the link!!!! NEWS REPORTS AT TIMES CARRY FALSE DATA, AS WELL AS MISLEADING , AS WELL AS CONCEALING SOME ALARMING INFORMATION WHICH GIVES AMBIGUOUS INFORMATION, BEING A PSU BANKER, I FAIL TO UNDERSTAND, AS TO WHY NEWSPAPERS NEVER CARRY THE NAMES OF PRIVATE BANKS, HIGHLIGHTING IT IS "alarming rise in bad loans in govt banks" !!! It is relevant for all readers to know, there is nothing called "Government Banks or Government owned banks, all Banks in India are autonomous Public Sector Undertakings, and also post Narasimhan Committe reforms, every bank is a publicly listed Banking corporation, with private owners, and trust me, the private shareholders representatives on the Board are more demanding and vociforous, as compared to RBI/GoI Directors, or Banks own internal Board Members, CEO's and Excecutive Directors, Employee Union and Officers Association Directors. Private Banks have a higher NPA ratio to PSSU Banks, but they either sell the Sticky Asset at a discount to loan reevoery agencies, or transfer it to Arcil faster. Whereas, the PSU Banks are slower, because, they understand the possibility of the borrower repaying, hence try to give some leeway to our borrowe customers, you may not come accross many incidents in PSU Banks, as mentioned in the 1st para, of link given in 6 written by SwatiCA.

How do I know this?
I as tThe Branch Manager, of our Syndicate Bank, Bikaner, Tulsi Circle, did one of the most detailed, use of this act, from notice to Auction, between May 2005, May 2007, learned the credit portfolio from scratch, I and my juunior officer, both were totally raw hands, but luckily, we had a predecessor, who had kept, one of the most well detailed, manuals, procedures and circulars, which, we added to, by trial and error, and did a massive job, in recovries, mostly housing loan auctions, we started our day at 6 AM, visiting, defaulters, and left office only after 20:00 or 20:30 hrs. That is a work day of nearly 14:30 hours, with 2 30 minute breakss for bath and lunch.

            So here is my speech, i switch back to Hindi now..


                             

En Pee Aye ki sabsey badi samasya aur samadhaan,. Asti Prabandhan/Unnayan/Nibtara.

  Mananiya Sahayak Mahaprabandhak Mahodaya, sahbhagiyon, evam saathiyon, Rajbhasha Diwas ke samip, Hindi Pakhwada, ek aisa samay hai, jab, hum, apni rajbhasha ko jhaad-paunchch, (jaise hum, tyohaaron par, apne peetal ke diye ko, imli, ya neemboo dwara ghis-ghis kar) chamkate hain! Iski Pooja kartein hain. 

                   Hindi Pakhwada, yaani ke rajbhasha chaturdashi par, hamare dware bhooli gayi, us preyasi ko yaad karte hain. Is kadi mein jab, mujhe pata chala, ki Kalkatta Kshettriya Kaaryalaya mein, Hindi Bhaashan pratiyogita ka aayojan ho raha hai, to mera man, Ullaas se Oat-Proat ho gaya.

                           Hindi Gaayan, Lekhan, Vaachan evam Kaavya Rachna mein meri varshon puraniruchi ko, pankh-pakheru ley udey.

              To yahaan main bol rahaa hoon, ki mera aaj ka priya vishaya, "Soochana Prodyogiki" hamari shakha ki, sabse naveen mahila adhikari, Kumari Anuradha ne chuna tha, Anuradha ne mujhsey, apni meethi vani mein, saknkoch yukta, prashna kiya "Menon Sir, kya aap koi anya vishaya chun saktey hain? Kyonki, "Soochna Prodyogiki" vishaya par mera bolne ka vichaar hai. . Ab Bachchi ka nirmal hridaya, main kaisey dukhata, aakhir yehi to, aagey is vishaal sanstha ko aagey chalayegi. Is kaaran, bachchi ko protsaahan dene hetu, evam, uska dil na dukhane ki drishti se, maine jo vishay chuna, usey bataney se pehle, kuch chand panktiya, jo maine abhi-abhi likhi hain, sunana chahunga. Yeh panktiya prasangik bhi hai, aur hindi pakhwade ko dekhkar, hindi kavya ko meri ek tuchcha bhent hai.

Anuradha Anurodh Kare,

VenuG kaise Taalein?

Yah Mauka, Bachchon Ka Hai,

Aur hum hain bachchon waale!

Keh Venu Kavi Rai,

Ki dekho apna pinjar-asthi!

Nirjeev Asthiyon par hi bolo,

Chodo Thatta--Masti!

:-)

           To Manyavare, mera aaj ka vishaya hai, En Pee Aye ki sabse badi samasya aur samaadhaan. Asti ka Prabandhan/Innayan/Nibtara.

                                        Main Aapko bata dena chaahta hoon, ki Bank me mere 26 varshon ke karya kaal mein, main ya to Soochna Prodyogiki mein maharat haasil ki hai, ya mera karya kshetra, adhiktar, chote jamakartaaon ko sewa mein, bachat khatey, saawadhi jama khate, ya samashodhan(clearing) vibaagon mjein, ya , uchcha shakha kaarmik prabandhan(Upper Branch Personell Administration) mein gujra hai. Par meri 26 varsh ki is yatra mein 2 aise padaav hain, jaha, anaarjak astiyon (NPA) se mera, sote jaagte sambandh raha. Yeh tha, hamari Bikaner Shakha mein bitaaye 2 varsha, evam, Agra Kshetriya Karyalay ki Vasooli Vibhaag ke Mukhya Karya Karta ke roop mein, bitaye, kathing evam parishrami Farvari, March evam Apreyl 2009 ka woh samay, jab sampoorrna Banking Kshetra, Anarjak Astiyon, evam vasooli ke praasang se kathin Rinon ko adhik sankya se joojh raha tha.

                                Bikaner mein mera din subah 6 baje se vasooli ki daud se neelami ke poster chipkane tak guzarta tha. Agra mein maine, Aligarh se Kosi tak ka raasta, har din, subah 6 baje se raat 8 baje tak kaata. Yeh woh din they, jinhonein aaj, mujhe aaj, aap logon ke samakhs bolne ka mauka diya hai, choonki, yahaan sunne waalon ki sankya kam hai, is liye, maine, is bhashan ki prati, apne blog par likhne ka prnkiya hai, 

             Aisa Mat samajhiye ki main yahan inam lene aya hoon, nahin, inaam ke hakdaar ve hain, jo aaj pehli baar, bade chaav se bol rahein hain. Mera to Kaam hi Bolna hai, tabhi to mera naam @Venuspeal hai!!!

                               Astiya, Anarjak Astiya, Non Performing Assets, yahan sabhi vyakti, Hindu Sankruti mein Asthi Visarjan Sanskaar ke baare me bhali bhaanti jaante hain. Anarjak Asthiya, us nirjeev haad ki tarah hain, jo ek putra, apne pita ke antim sanskaar ke baad, use sanskaronmukh ho kar, usey kisi pavitra nadi me visarjit karta hai. Par kya Anarjak Astiya aisi astiya hai, jo nirjeev hain? Kya unhe humne Bank ke shareer se alag kar diya hai? Kya in Anaarjak Astiyo ko hamein Prabandhan/Unnayan/Nibtaan nahin karna?

                          Asthi Vsirjan, jisney bhi kiya hai, use vidit hai, pinda daan ke pehle, panditji, asthiyon ko thande doodh mein se nikaal kar us doodh se dho kar, saaf kar kar, use swachchand kar, tabhi use Gangaji mein visarjit kartein hain, Isi tarah, Anarjak Sampattiyon ko Tyagne se pehle, hamein, unhe Vasooli Niyaamon(Recovery Policy) ke dwaara, nikal kar, usmein se sabhi gand nikaal kar, usey laabh roopi gangaji mein bahayenge. Vidit ho! Ki anarjak astiyon se vassol har naya paisa, hamare laabh ko badhaata hain, jaisa ki Abhi Abhi, rakshit Da ne kaha, ki gair byaaj aay mein anarjak astiyon ki vasooli ko joda jaat hai, yeh gair byaaj aay(Non-Interest Income) Bank ke laabh ko chaar chaand laga deti hai.

                              Mahoday, par, mujhe vishay se ek aapatti hai!!! Vishay hai En pee Aye, ki samasya!!! aji Samsya hai hi kahaan, samasya to wo hoti hai, jisse nuksaan hi nuksaan ho. Par, ek heerey ke paarkhi ki tarah, ek praveen vasooli karta, is samasya ko apni jeet mein badal sakta hai! Kaise?

                                      Kahan se shuru karoon? !!!!!!!! Kahaaaaaaaaaaaaaan Se shuru Karoon

Aji yahi samasya hai!!!

                Na sochein ek bhi nimish, KAHAAAAAAAAAAAAN SE SHURU KAROOON

         Nai shaakha mein ghustey hi, pehle apni kursi saaf karein, baithein, evam jut jaawein, safai abhiyaan mein, pehle Batte Khate likhe Rina ( Written off Bad Debt Accounts) phir Kutchehri mein pade rina ( Suit files accounts) phir Anarjak Astiyon (NPA) ki fehrist tayyar karein!!!

 Naam ka Aaloo, Pate ka pyaaz, Valdiyat ki mirchi, runee evam uska pratyaabhootikartaa (Gaurantor) ka pata haldi aur hing evam mobile/phone nambar(hari mirchi), ghar ka sahi sahi pataaur uske ghar ko jaane wala sahi  naksha(Besan), aur anarjak astiyon mein rakhi sampatti ka byora(tel) . Lijiye saamagri tayyar hai vasooli ke pakode ki. Ab Microsoft Excel Ki Kadahi chadhaayein, usmein yeh sabhi samagri ek ek karke mila kar Is kadahi mein tel, haldi namak mirch yukta besan mein sana alu pyaaz hing hari mirchi, is kadaahi mein daal deyweein. aapke Pakopde tayyar. Ab bacha ise khayenge kismein, Ji aap isey dhoop ki pudhiney ki chutney, ya baarish ki imli ki chutney, ya saanjh saver ki pruvayya key tomao sauce ke saath ek Car/Scoooter/Cycle/Motor Cycle/Jeep/Jonga/Paidal kis bhi tarah, kooch karein, rinee aur pratyabhooti karta ke ghar. Dekhiye ab yeh in mein kya uddhaaran doon. Aji Tashtari Steel/Kaanch/Cheeni Mitti/Katori/Plate/ paidal bole to haath mein rakh kar bhi to maa ke haath ki garam pakodi khayi hai?

Maa ke Alu Pyaaz ke Pakode

Aur anarjak Astiyon ki vasooli meinKOI ANTAR NAHI

VIDHI VAHI

SOCH NAYI

Huzoor, ab anaarjak astiyon ki vasooli baayein haath ka khel hai. Jab tak shaakha mein hain, aapke paas saamagri tayyar hai! Jab Chahey Pakodey Sanwaar ley aur chatkhare le le kar khaawein. Jab aapke varishtha adhikaari aapki pakdoiya khayenge, to har nimish, aapki swaadishta paak kala ki taareef karengey.

            Rukhiye, abhi kahani khatm nahi hui janaab. Meri vasooli neeti mein 7 Ma hain

Mehnat, Mashaqqat, Majdoori, Mausam, Marma, Mamta evam Marzi.

              Mehnat mashaqqat karenge, subah uthkar majdoori karenge, mausam ko dekh kar niklengey, rinee grahak ki kathinaaiyon ki taraf marm ki drishti se dekhengey, evam uske bachchon evam parivaar ko mamta ki drishti se dekhengey, to marzi ke anusaar, rinee aapey aap rina ko chuka dega. Aur Aapka Asthi visarjan Sanskar sampoorna. 

 Zara rukiye, hamesha asthiyaan itni saaf nahi hoti hain, kuch haad bahut mmaila hota hai, usey mal mal kar, bahut doodh mein nikaal kar, haathon se ragad ragad kar nikalna hota hai. Isi tarah, kuch riniyon ko SARAFAESI Kanoon ke tehat, notice thama, uske darwaaze par notice chipka, uski sampatti kokudak kar, uski neelami karke hi rina vasool hoga. Kabhi Kabhi, akhbaaron mein riniyon ke phot chaap kar, band baaje ke saath bazaar mein uski photo se lage poster ki baraat nikal, vasooli ke aise aise paitrein aajmane padhtein hai, jo ki har sthithee mein bhinna hota hai.

              Main apako apne Joya, Moradabaad ki ghatana sunaaoon? Hum, Peela, hara, laal, 3 rang ke notice bhejte they. Choonki, gaanv waalon mein padhey likhe kam they, rang dekh kar rinee samajh jaate they ki maajra kitna gehra hai!!! Aur, jab kisi gaanv mein na chukane waalon ki sankhya adhik hoti thi, to choonki Uttar Pradesh mein revenue recovery act hai, wahan, ameen, rinee ko jail mein daal sakta thaa, choonki, ameen ko, vasooli ka ek hissa tay thaa, is liye, ameen khud bhaag-bhaag kar vasooli karwaata thaa. Aise mein, hum ameen se baat akr, gaanv ke sabse shaktishaali vyakti ko jail ki salaakhon mein dalwa dete, jissey wah to kya saara gaanv dauda chala aata that. Vasooli ka yeh tarika, sirf vyakti ki vaak chaturya aur karya shaili mein chaturayi se aata hai. Main aapko harsh ke saath soochit karta hoon, Is dharti par, 100 mein 99 rinee rina kochyukaana chahate hain. Is liye, meri drishti mein, Anarjak astiyonka niptaar samsya nahin, apne aap mein samadhaan hai.

To mitro, kaisi lagi meri kahaani. Yah bghashan, raat mere blog par hoga, taaki, meri mehnat ka anand jo aapne liya, main is gyaan ko sarva sadhaaran ko samarpit karoonga. Is se hi Anarjak Astiyon ke niptaare ka marg saral hoga

Main aapka Maitripoorna evam Agyakari

Faithful and Frinedly

@Venuspeak

Stop Press
Nomoshkar... Ek Minute,
@Venuspeak
bhai lagta hai,
ki  humne kisi ki dukhti rag
pe haath rakh diya hai.
ghatnaon ka sachitra varnan karna,
hamari purani adat hai.
Isliye 3 chitra natthi ka raha hoon
pehle ki jaroorat naa thee,
par ka kari, ee sasur logan ki sak karbe ki aadat
I am bad at Photooshup,
I am good at gup-shup!!!
I am bad at DRYING too,
butt am gut at RIOTING.
Any thing related to oral and typed mater,
bad at anything which requires,
use of Hand practice.
Satya mein, drying,
aur chamde ki jubaan ki jhooti kahaniya
humse na howein,
upar diya bhashan, ek satya aadharit sansmaran hai, isme jadi koi kalakari hai, woh hai bhasha ka aisa prajog,
jo logo ke chehrey par hansi jaroor laye.
Is bhashan ke diye jane ke dauraan,
mujhe kai baar,
ruk kar taali bajane waalon ko,
unka kaam dene hetu,
apne bhashan ko,
beach pe rokna pada.
Sorry Oops errata!!!
this poarsun aaph blaag,
written phrom a
iPhone 5,
stollen phrom Apple Labs.
So
#noautocorrect
BEEP BEEP @#$%,
curses the chinese geek,
who went to party with,
Steve Jobs, in Heaven,
taking the source code for iPhone Autocorrect.

Photo 1
Proof that my photoshopping/picture fudging/scamming/lying/air brushing is
really really REAL BAAD!!


Photo 2
Indicates
MY TOP TEN
ALL TIME
Hit Blog Posts,
that I wrote, 
between
May 2008 to September 2012
Only 2 (No7 & No10)
are prior to my post
MTV HERO Roadies 9 Everything or Nothing
date October 12, 2011.
Which indicates, how blogging tips, from @blogadda & @harishkrishnan
helped me make my blog a successful one
Please read THIS, specific post,
thanking Harish Krishnan.(photo 3 #8)
Being topical,
and writing on "generic "
but in demand subjects,
helps you get Googled,
and as a consequence get eyeballs,
wearing goggles reading your posts.
The subjects are topical always,
except Photo 1 #10
on varied subjects
see edited remarks in Photo's.
Oops errata #noautocorrect
Apostrophe is Catastrope!!!

¥enjoy

Photo 3
Indicates,
How, my post MTV Roadies 9 post
My topical posts are getting searched
See my comment why
on the pictures on the right side
Dhanyavaad




I have nothing more to say anymore,
on this subject,
On the contrary,
the case is not closed yet,
it is your case now janaab,
news and views,
mere kaabil dost.
You also, can try as much as possible,
Like Manmohan Krishna unsuccessfully did,
Watch this awesome Video example.

Of how,
Vakil Saahab Kailash(Rajendra Kumar),
saving a hope less "mulzim",
Petty Thief, Kaaliya(Nana Palsikar),
from becoming a "mujrim"
from sazaa-e-maut,
from Judge Saahab,
Badri Prasad(Ashok Kumar)
who instead of saying,
Adalat,gawaho ke bayano,
aur mauka-e-vardaat par mile sabooton,
ki bila par is natije pe pahunchi hai,
ki mujrim ne "Kaaliya" ka berehami se,
Seth Dhaniram(Om Prakash) ka qatl kiya hai,
is liye adalat mujrim ko sakht se sakht sazaa,
jo ki taajiraat-e-hind ki,
dafa 302 ke mutaabiq,
sazaa-e-maut ha huqm deti hai,
To be hanged till death,
"Mulzim" ko adalat ke is faisley ke khilaaf,
appeal karne ka poora mauka diya jayega.
Yeh case ab khatm hua.
The Case is closed!!!
Adalat ko Multawi kiya jaata hai.
The Court is Adjourned