SBI Second Innings Sept 2019 issue carries Life and Career of Prof Dr Chowdari Prasad in 11-12 pages

A quarterly magazine for the welfare of SBI Pensioners | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Index of Contents Title DMD Message From Editors Desk Retirement Achievement Choudhari Fake Instrument Fundamental Spiritual Truth AGM Mumbai Circle Report Launch 2019 Stress in Office The precious Indian linkage Tourism – Hill Station Train Tree pose yoga (Vrikshasana) Yoga For Older Adults: Why Yoga SBI Pensioners’ Fraternity BHUTAN - A country with abundant Natural Beauty Retirement Planning vs Post Retirement Investing

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Mail to us at The Editor, ‘Second Innings’ State Bank of India, 16th Floor, State Bank Bhavan, Madame Cama Road, Mumbai - 400021.

OR E-mail at : dgm.ppg@sbi.co.in Advisory Board Shri K.T.Ajit Chief General Manager (HR) Shri. A. T. Thorat Head (Legal ) & CGM Editorial Board Shri Somnath Adhya Dy. General Manager (PM & PPG), Editor Shri C. P. Mulye Chief Manager (S) (Sub Editor) Smt. Meenakshi Pradhan Manager (S) Internal Communication (Sub-editor)

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Invitation We look forward to contributions from our retired colleagues for the next issue of

"Second Innings" Write to us if....

• You have faced a serious health problem and conquered it • You or someone you know has done something exceptional after the age of 60 • You have a hobby to share • You had a unique experience related to money matters • You travelled to a destination less known • You have a funny or insightful anecdote about your grandchildren ..... and we’ll print the selected article in our magazine ‘Second Innings’

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

DMD Message Dear Seniors, It gives me immense pleasure and an escalated sense of responsibility in assuming the position of the Deputy Managing Director (HR) and Corporate Development Officer recently.

“Second Innings” initiated by Pension, Provident Fund & Gratuity Department in Human Resources Department, is a great platform for a two-way communication with our senior leaders whose contribution to the Bank is immense. The continuous efforts and their willpower to surpass any hurdle is what has helped us to reach such heights and sustain it for a long time now.

Our seniors who have paved way for continuous success are the ambassadors of the Bank. Your contribution is huge and cannot be measured.

It’s all the efforts of our veterans, whose timely contribution and suggestions have helped us bask in the glory of success and recognition worldwide. Today, we are present at all hooks and corners of the country and catering to customers beyond imagination. This is possible due to the dedication of our employees who have been inspired by none other than our experienced and now retired seniors.

Our values, STEPS (Service, Transparency, Ethics, Politeness and Sustainability) that define us are the ones that help us in consistently strengthening our market share, our sizeable balance sheet, our performance parameters and our ability to create sustainable value for our shareholders. We see ourselves once again firmly on this unending journey of leadership in all spheres of banking initiatives. The credit definitely goes to our senior leaders for the same.

Our motto with this quarterly magazine is to reach our pensioners, inform them of our new initiatives, various activities which are undertaken, take their suggestions; in a nutshell keep you connected with the organization, where you had served for long and have now moved ahead with your second innings in life.

Second Innings is nothing but rediscovering yourself. It is one of the best time to opt for all those things in life, which were just a dream to be fulfilled. No wonder, retirement is in fact the most contented period of life where every moment is meant to be cherished.

So just, stay happy, healthy and keep your spirits high.

Life is short, hold it tight….. Spread your wings higher and reach new height!

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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From Editors Desk Respected Elders, Penning an editorial sends me a decade back, when we used to write letters to our near and dear ones informing them of our wellbeing and asking about their chores. The letter used to reach late, but the essence of the paper on hand gave an immense pleasure. Pleasure of a personal message, pleasure of the concern and time for writing. “Second Innings” gives me the same pleasure of writing to all our readers, who have a role in some or the other form to make SBI stand tall today.

These small pleasures are short lived. Lest we forget, it’s the digital age which has taken over.

We have emails taking over the letters, whats app messages taking over the phone calls and the emojis taking over the emotions. Time has shrunk and we are still running behind to conquer the world.

Every month we have employees retiring from their job and we see congratulatory messages pouring in for their second innings. Some say, will spend time with the family with playing with their grandchildren, whereas some prefer to take over another job to keep themselves engaged. Personal choices indeed! But what is interesting is the change in life!

We have seen changes in job with promotions and transfers but retirement definitely leads the race.

Change in perspectives, lifestyle and thought process. But what does not change is “YOU”, yourself. Retire from your work, not from life!

This is the right time to explore your interests, relive your moments which got snapped with your busy schedules and discover yourself for better.

It feels good to see Mr. Anil K Saxena reliving his interest towards travelling. His toy train ride in Darjeeling is a must read in the his edition!

Not only Mr. Saxena, but Dr. Prasad’s Honorary Doctorate in Commerce with Specialization in

Banking is a proud moment to revive. His interest towards researching on subjects close to his heart is encouraging and sets an example on others.

This quarter was pretty eventful for the Bank as we recently celebrated our grand 64th Bank Day event with enthusiasm and vigour on 1st July 2019.

Our ladies club members presented a beautiful performance on the occasion while performances

by Hyderabad, North East and Chandigarh circles added regional flavors to the event emphasizing the unity in diversity. Our culture was well glorified amongst the audience. Celebrity emcee Ms. Sugandha Mishra added humor to the event by presenting a great show with the performers.

Not only for our Bank, but this quarter of the year had lots of ups and downs nationwide. At one hand we were celebrating are on team of reaching semi-finals in the cricket world cup and winning gold medals in other sports while on other hand, losing heart to Cyclone Fani in Odisha and recent Assam floods.

Ups and downs are a part and parcel of life, but that should not let down the spirit of enjoying the precious life. Enjoy and take it easy. Live your moments and create beautiful memories. Shri Siva Nainar, CGM (Channel Management & Customer Service) is going to retire this month and and on being asked about his second innings, he said “Will do something different. Do not wish to prolong his corporate work-life. May join NGO, take up part time assignments, travel, learn new languages, read more and spend more time with family…”

There is no limit on life…explore and learn! With this I extend my warm greetings to all the bank’s pensioners and their families a contended, healthy and prosperous life. Broaden your horizons and accept things as it comes- lead a great and beautiful life.

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

We give below the views and information of some of our executives retired during last two months. Shri Badal Chandra Das, Retirement Shri Badal Chandra Das joined the Bank as a Probationary Officer on 3rd December 1984, with having a memorable and enriching experience in these 35 years at SBI. Having worked in a variety of positions with people from diverse backgrounds, he feels enriched with the love and affection of his teams that has showered on him over the years.

Parent Circle being West Bengal, Shri Das held various positions at Kolkata, New Delhi and Mumbai. From Kolkata to one of the world’s most populous megacities, New York has been both exciting and enriching. He served as a VP, Personnel & Administration at New York branch, five years were fully memorable and has many moments to cherish.

Five years with serving as DGM, Project Finance-II, CBG, GM, Project Finance and GM, CAG Branch-II, CBG; Shri Das took over the Thiruvananthapuram Circle as Chief General Manager in 2014.

Being a true State Banker, Shri Das believes what makes the Bank stand out is its transparency, fair play, service to the nation and caring for its own.

In 2016, Shri Das took over as Deputy Managing Director, Internal Audit Department at Hyderabad. On his achievements at the

workplace, pat comes the reply- Achievements are results of team efforts. In every success of mine, important role was played by others.

One of his memorable experiences which still remains close to his heart is the Computerisation at Commercial Branch, Kolkata in the year 2001 despite many odds.

Bud Meyer has correctly said, “The moment may be temporary, but the memory is forever” On Fond memories, Shri Das recalls the time spent with his daughter when she was growing up. His only daughter Ms Dipanjana Das is pursuing her Final Year Ph. D at University of California, Santa Barbara, USA. His father is his inspiration for life. His spouse Mrs. Rupa Das preferred to stay at home and stood by him to take care of his family. Her contribution is immense as she has almost single handedly raised their daughter.

Reading books, listening music, travelling and photography are some of the hobbies to be cherished. Science Fiction, The Foundation Series by American Author Isaac Asimov is his favourite read and Renowned Director Satyajit Ray’s the Apu Trilogy comprising three Bengali films- Pather Panchali, Aparajito and The World of Apu are his big screen favorites.

His motto for life is inspiring- “To serve to the best of my ability and not to forget my roots.”

***** Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Smt Anshula Kant, Retirement Smt. Anshula Kant 12th July 2019 was much more than a date to remember. In fact, it was a moment of pride for all of us when President of the World Bank Group Mr. David R Malpass, made an announcement that Smt. Anshula Kant, M.D (Stressed Assets, Risk & Compliance) has been appointed as the Managing Director and Chief Financial Officer at the World Bank Group.

An alumni of Delhi School of Economics and Lady Shri Ram College for Women; she has brought in the gentle nuances of Human Resources in all her interactions during her career span of 36 Years. Smt. Kant joined the Bank as a PO on 9th December 1983 and worked as a Branch Head for five years in various branches in her initial career.

With direct responsibility for the Bank’s Risk, Compliance, and Stressed Asset Portfolio, Smt Kant led the creation of investment opportunities while empowering risk management throughout the bank. She held several positions across the Bank and helped navigate a diverse array of leadership challenges.

She took over as Manager (Credit Administration) in Singapore with later serving as CEO, Singapore branch from 2006 till 2009, with responsible for launching the retail operations, making SBI the first Indian bank to do so in that geography.

Smt. Kant has held several key assignments in SBI including Chief General Manager (CGM) of Mumbai Circle (Maharashtra & Goa), DMD (Operations), NBG and DMD & CFO at Corporate Centre in Mumbai with taking over as MD (Stressed Asset, Risk & Compliance) on 7th September 2018.

Constantly moving from one place to another, memories are obvious! On being asked on her memorable experiences, Smt. Kant says, many of them to be narrated. Things about SBI that she will be proud of is the Bank’s ability to think big, its capacity for change leading from the front and willingness to take risks.

Her inspiration is her family who has been there with her in all the ups and downs of her life. Her father is her biggest inspiration. Spouse, Shri Sanjay Kant is a Chartered Accountant who plays a very important role in being her pillar of strength. His constant encouragement and support and taking a lot of pride in her achievements motivate her to reach higher.

Her children, Nupur is a lawyer by profession working with Swiss Re and settled in Singapore and Siddharth after completing his Engineering with MBA is working with Deloitte and settled in New York.

Their good values make them her strength for life.

She gives the entire credit to her late parents-in-law who had a huge role to play in their upbringing and carved them into good human beings.

Watching movies and plays, reading books and spending time with family keep her occupied.

Her favourite read is 2009 published Open, autobiography of one of the loved athletes Andre Agassi and Tim Robbins starrer 1994 American drama The Shawshank Redemption is her big screen favourite.

Blessed being a State Banker, Smt Kant has a motto for life. “Be passionate about the things you do and do them with full commitment and honesty.”

*****

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Shri Kumar Sharadindu, Retirement Shri Kumar Sharadindu, CGM on deputation as MD & CEO, SBI Pension Funds Pvt. Ltd. joined Bank as a Probationary Officer on 4th December 1984. With a motto for life to stay happy, Shri Sharadindu believes that all his assignments were memorable at SBI. He enjoyed his tenure at SBI and gave his best with pleasing results to all the efforts.

With Parent Circle as Patna, Shri Sharadindu was a Branch Manager in RIT Branch and SSI Branch in Jamshedpur till mid 90s before taking over as Manager (NPA & ADV), RNW at Patna LHO. After serving as AGM (Operations) Treasury and AGM Rupee Treasury at Corporate Centre in mid 2000, Shri Sharadindu was also appointed as DGM, Market Risk, Risk Management Department and GM, Pvt. Equity Relity & Vent Funds, Global Market at Corporate Centre, Mumbai

On the fond memories, he has already switched his bosses and says that his marriage has been the most beautiful moment for life. His wife, Ms. Madhu Sinha who is working in Service sector has been his inspiration and her role in his life has been tremendous and cannot be measured. His sons Tushar and Tuhin are his strengths and have been doing well in life.

Watching Indian team playing cricket is his stressbuster. He was really heartbroken, when India lost out to Kiwis in the World Cup semifinal this year. Books are his good friends with Fountain Head by Ayn Rand his favourite.

Keeping trust with citizens of the country is what Shri Sharadindu is proud of SBI and for his second innings, his plans are to enjoy this leisure time.

As it has been said correctly that Retired life is seven day weekend!

***** Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Shri Rajinder Mirakhur, Retirement Retirement is always a mixed bag of emotions!

The routine of getting up early, get ready for office, crossing all sort of emotions while travelling till office suddenly comes to a halt.

And this all happens to us suddenly, when we realize that we have “retired” Let’s not forget that retirement is not necessarily a teary goodbye from an organisation, where one has invested all his life for a desirable result but at the same time retirement also pave ways for opportunities. Opportunities to excel in life and enjoy the second innings!

Shri Rajinder Mirakhur, Chief General Manager, Jio Payments Bank Ltd. retired from SBI in June 2019 after serving the Bank for 37 years. With joining the Bank as a Probationary Officer in 1982, Shri Mirakhur was a seasoned banker in true sense with a rich experience in banking.

He has gradually, worked his way up the helms of banking, gaining experience across all segments in various capacities.

On his triumph he said, “Someone who had never visited a Bank before joining SBI now retires as a CGM, is no mean achievement and I am really proud of it.”

He firmly believed that SBI is an organisation that gives you an opportunity to love your job due to supportive work environment.

Encourages you to learn from your mistakes and above all a plethora of Leaders who inspire confidence, dedication and ethics.

Shri Mirakhur further adds that there are hundreds and hundreds of memorable experiences at SBI, maybe he’ll pen them down one day in his memoirs.

the household, managing children, maintaining relations with friends and relatives. She gave up her career to support Shri Mirakhur in all his decisions and made their dream possible.

His daughters Nikita and Neharika remain his strengths for life. The older daughter, Nikita, is working as AVP with Axis Bank whereas Neharika just finished her graduation and preparing for professional studies.

Undoubtedly his inspiration is his family who has been there with him in all the ups and downs of his life. His parents, who have always inspired him on the commitment and ethics in whatever he does and above all believes in God, who has guided him the right path.

With listening to music, photography and gardening as his hobbies, Shri Mirakhur has a special penchant for reading- both fiction/ nonfiction and has recently developed interest in biographies. His all-time favourites being- ‘The Alchemist’ by Paulo Coeloho and ‘The Prophet’

by Khalil Gibran. Light hearted Bollywood movies- Jaane bhi do yaaron and Hera Pheri and Hollywood action movies of Danziel Washington and Bruce Willis are his big screen choices.

TV is a big no, but addicted to Net Blessed being a State Banker, Shri Mirakhur has a motto for life- a quote from Alchemist, “People are capable, at any time in their lives, of doing what they dream”

When you retire, you switch bosses. From the one who hired you to the one who married you.

Completely agreed by Shri Mirakhur, he believes that his wife Ms. Shailja has been a highly responsible, efficient and a great organizer at home, be it the day to day activities of running

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Shri Sandeep Seth, Retirement With joining the Bank in 1983, Shri Sandeep Seth is a seasoned banker in true sense with a rich experience in banking. During his tenure at SBI, he got multiple opportunities to work in different geographical areas with his first posting at Mumbai, being close to heart, as it shaped the future of his children. For his own achievements, he gives the entire credit to TEAM SBI for all the recognitions achieved. In his last two assignments, the Team SBI delivered TDS centralization, digitization of closing returns, centralization of tax audit and fx out for outward remittances which calls for a huge applause.

On being asked on fond memories, Shri Seth recalls, under CSR activities, TVs were distributed to the children at an orphanage in Ooty, and their excitement to catch up Cartoon Network was priceless.

Fond memories are many at SBI, but the closest one is during the roll out of Fixed Assets Accounting Software. Issued Email instructions to the Circles/ Branches to park the differenceboth credit and debit, in Charges Account at the respective branches. Got dressing down from then CFO for issuing instructions for parking the undefined amount in Charges, but then later on CFO realized that was the best way to operationalize the migration of data from manual accounting to system accounting.

His inspiration are his seniors at office for guidance and mentoring which he feels proud

of and at the same time getting the opportunities for wider exposure and development of decision making skills- he gives the entire credit to SBI. You change bosses after retirement- from the one who hired you to the one who supports you through each and every thick and thins of life. His credit for success goes to his wifeMs. Deepika Seth, who opted to stay at home, manage household and brought up their children despite being shortlisted for Insurance Company.

His Daughter Sanchita, Lead Analyst with CRISIL, Son-In-Law Ankit, Vice President with TransUnion CIBIL and Son Dishant, Second Officer with Merchant Navy are his pillar of strength His love for Badminton is known to all and his favourite read is Wings of Fire written by Former President A.P.J Abdul Kalam and Arun Tiwari.

Light Hearted movies Hera Pheri and 3 Idiots are a delight to watch. “Finish the first innings with unblemished record� is his motto for life. On being asked on plans for second innings, Shri Seth wants himself to be fully engaged for the next 3 to 4 years.

No wonder, it has been said that Retirement is not the end of the road. It is the beginning of an open highway.

*****

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Shri Siva Nainar, Retirement Shri Siva Nainar joined the Bank as a Probationary Officer on 25th October 1985. He has achieved tremendous success during his career in SBI. As a banker, customer satisfaction is of utmost importance. Shri Nainar recalls his customers of branches, where he served 15-20 years back, calling him and sharing their life progresses are one of the memorable experiences at SBI. On personal front, he always found meaning in each of his assignments and worked with equal vigour.

With Bank posting Shri Nainar at various places, he recalls, that as a family, they have always made it a point to learn new languages and imbibe to their culture so that there is no difficulty. Adapting the culture and languages has helped them to move around the place and they did not find an issue when travelling abroad too.

His father is his inspiration for his dedication towards work and values. Being a family man, Shri Nainar believes that his wife Ms. Radha has been a pillar of strength through his journey of ups and downs and have multitasked with giving him freedom to concentrate on work. She is an accomplished painter and good with fine arts.

His daughter Vishaka, working at HSBC inspires him to live life fully. As a family, their ability to acclimatise to their work place environment is a trait, which helps them to stand strong together.

Travelling and reading books are stress busters and his favourite author Richard Dawkins give him a great company. Boxing Drama, Million Dollar Baby fame Clint Eastwood and English broadcaster David Attenborough are his screen favourites.

Shri Nainar believes that serving this institution is like serving the country so every moment in SBI was a matter of pride.

His motto for life - “We have two lives and the second begins when you realise that you only have one” For the second innings in life, wish to do something different- may join a NGO, take up part time assignments, travel, learn new languages and spend more time with family.

Learning has no age bar. Our late President Dr. Abdul Kalam has said, “Learning gives creativity, Creativity leads to thinking, Thinking provides knowledge, Knowledge makes you great.”

*****

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

An Inspiration

- Achievements of Mr. choudhari Prasad Dr Prof Chowdari Prasad Mr Chowdari Prasad joined SBI, as a Clerk-cum-Typist in Accounts Department of Hyderabad Main Branch on Nov 05, 1971, after serving for six months in the Staff Department of Andhra Bank Head Office, Hyderabad. Prior to that, he left his unfinished undergraduate studies of B.Sc., in final year at NB Science College, Hyderabad.

He pursued B.Com Degree in VV Evening College during 1972-75 and passed in first division with 4th rank in Osmania University, Hyderabad. He continued to obtain his M.Com in Post-Graduate College (Evening Sessions) of Osmania University and passed in first division, with 6th rank in the year 1977. Simultaneously, he was selected as Trainee Officer in his first attempt and was posted at Visakhapatnam, Secunderabad, Kakinada and Ananthapur ADB during the two years.

Mr Chowdari Prasad worked as AccountantADB Parkal, Accountant-Masulipatnam, Field Officer-ADB Jangaon branches during 19791982 and later as Branch Manager, ADB Wardhannapet, Warangal Dist., Telangana for two years. After working for six months in Regional Office, Region II, Hyderabad module, he was deputed to Corporate Office, Mumbai where he worked in Agricultural Banking Department between November 1984 and October 1992. During this period, he was promoted to MM II, MM III and SM IV grades. Along with his career growth, he added professional qualifications viz., CAIIB, Certificate in Industrial Finance, Diploma in Training & Development, Diploma in Merchant Banking, Diploma in Industrial Relations, Diploma in Computer Programming besides Praveen and Pragya (Hindi) examinations of MHRD, Govt of India. On his return to Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Hyderabad Circle in November 1992, he was posted as Chief Manager, Sangareddy branch.

He retired voluntarily from bank’s service in April 1993.

He worked as Vice President of three companies viz., Wonder Granites Pvt Ltd., Leafin Financial Services Ltd and The Vysya Bank Leasing Ltd., between 1993 and 1999 before switching to academics. He started as Associate Professor cum Chairman-Admissions and moved up as Professor and Dean (Planning and Development) at TAPMI, Manipal, Professor cum Registrar at Alliance Business School, Dean (P&D) at IFIM Business School and Dean, RIMS Bangalore during the years 1999 and 2018. He is presently Academic Advisor at Sri Saikrishna Charitable Trust, Bangalore.

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He presented / published 30 research papers at national and international conferences on topics like banking, financial services, management education, entrepreneurship, etc.

He was a member of Board of Studies of several institutions and editorial member of journals.

He is life member of IIBF, AIMA, ISTD and SBI Pensioners Association. He travelled widely to Hong Kong, Singapore, Malaysia, Thailand,

Germany, Nederlands, Belgium, Luxemburg, Morocco, Shanghai and Australia. He served in Lions Club, Manipal for about fifteen years.

Prof Chowdari Prasad has been conferred an Honorary Doctorate in Commerce with Specialisation in Banking by University of Swahili, Panama, Central America in December 2018 in Bangkok, Thailand.

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Announcement for

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As part of Sustainability Initiative, our Bank has observed “World Environment Day” in association with NGO, Bhamla Foundation and Ministry of Environment on 05th June, 2019. The theme of the day was “Air Pollution” and was organised at Carter Road, Mumbai. The event highlights included cyclothon, launch of song “Hawa Aane De” by film stars on the cause of Air pollution. Our Bank has arranged for 200 cycles for staff participation in the event.

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Fake Instrument proceeding to the Bride’s place, every body ensured that the group is in tact and occupied the seats in the respective vehicle and en-route, discussions continued on possible questions and answers on ticking etc. The scenario was the same after reaching the marriage hall and every one ensured their seats as per the group and continued refreshing the knowledge.

In the year 1978, about 18 of us became due to write the examination for promotion to Officer Grade II (later on rechristened as JMGSI). The promotion exercise having been kept pending for quite some time, the eligible candidates list were large and and with posts being limited, the competition was supposed to be very tough.

So, all of us formed small groups and would study in the evening and note down possible questions on ticking and rationale as well.

Circulars would be consulted. Even during working hours, discussion would be on possible questions and answers.

It so happened that one of the colleague was getting married just before 7/8 days of the test and many of the colleagues invited to the marriage and accompany the groom on the D day was not very willing to go so that the study is not lost. However, about 10 of us agreed and accordingly accompanied the groom. While

When there was time for Dinner (normally separate and special arrangements are made for the Groom’s party) every one ensured that there is no break in the chain and was seated together so that the discussions could continue.

In the mid-way, while the dinner was on, some one with folded hands appeared and enquired whether all the arrangements were satisfactory and also about the quality of food and requested that if there is any omission, they should be excused keeping in mind the huge arrangement they had to made for the function.

One colleague from the group enquired about his relationship with the Bride and he politely answered that he is just neighbour and not any way related to the bride. Suddenly some one quipped ‘FAKE INSTRUMENT’ such was the height of study!

02.06.2019

S.K. Debnath PF 026434 AGM (Retd.)

NE Circle, Guwahati (Assam)

*****

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Fundamental Spiritual Truth Mahamrityunjay matra addressed to Lord Shankara is from Vedas meaning "Please grant me Immortality".In other words free me from the cycle of Transmigration;taking birth and dying,taking birth and dying and so on into infinity.People believe that He will bestow from this.People also believe that reciting this mantra as a way to ward off an untimely death. For this purpose a Priest is invited to recite this mantra for an incurable patient in the hope that the loved one patient will not die due to the effect of this mantra recitation.

But the FUNDAMENTAL SPIRITUAL Truth is that everyone must die at the appointed time and not a moment more or less.Even the invited Priest who has come under the pretext of prolonging life has to die.Death is dead sure.

Scriptures say that death is actually predetermined in the womb itself,so no one has the power to avert this.The meaning of this mantra has nothing to do with saving of life.

So we shouldn't live under the illusion that through some ritualistic practice,fire

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sacrifice,fasting or austerity we will overcome death.This has never happened nor will happen in future.The person is not only destined to die but also destined to continue the journey in life after death as well.Supreme Lord only knows this and decides where you go and for how long.

Shyam Taneja age 68,rtd.Sbi, Vigilance Deptt.New Delhi LHO. PF No.1598562, Mobile No.9818865200

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Photographs of Annual General Meeting of SBI Pensioners' Association, Mumbai Circle held at Nerul, Navi Mumbai

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Report Launch 2019 Bank’s Sustainability Report for the F.Y 2018-19 was launched by the Hon’ble Chairman on 04th June,2019 on the eve of “World Environment Day”. The Bank’s Sustainability Report has been prepared as per GRI standards conforming to the Global benchmarks.

Shri Alok Kumar Choudhary, DMD(HR)& CDO presented an overview of the Report. Also present at the occasion were the MDs and the DMDs. A “Sustainability Pledge” was also taken on the occasion.

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Stress in Office Job-related stress seems to have become an inescapable part of one’s routine in corporate India today. From anxiety disorders to depression, which, in turn, can lead to an increased risk of suicide, there are several studies that have thrown light on the phenomenon.

Job stress can be defined as the harmful physical and emotional responses that occur when the requirements of the job do not match the capabilities, resources, or needs of the worker. Job stress can lead to poor health and even injury. ... In short, the stage is set for illness, injury, and job failure.

Stress is responsible for 75 to 80 percent of all doctor's office visits. Stress contributes to lifestyle diseases like heart disease, diabetes, obesity, and autoimmune diseases.

Symptoms of work-related stress • Fatigue.

• Muscular tension.

• Headaches.

• Heart palpitations.

• Sleeping difficulties, such as insomnia.

• Gastrointestinal upsets, such as diarrhoea or constipation.

• Dermatological disorders.

High blood pressure is the most significant risk factor of cardiovascular and cerebrovascular diseases worldwide. Blood pressure and its variability are recognized as risk factors. Thus, hypertension control should focus not only on maintaining optimal levels but also on achieving less variability in blood pressure.

Psychosocial stress is known to contribute to the development and worsening of hypertension. Stress is perceived by the brain and induces neuroendocrine responses in either a rapid or long-term manner. Moreover,

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

endothelial dysfunction (heart and big blood vessels of the body) and inflammation might be further involved in the modulation of blood pressure elevation associated with stress.

White-coat hypertension, defined as high clinic blood pressure but normal out-of-office blood pressure, is the most popular stress-related blood pressure response. Careful follow-up is necessary for this type of hypertensive patients because some show organ damage (kidneys/ eyes etc.) or a worse prognosis.

On the other hand, masked hypertension, defined as high out-of-office blood pressure but normal office blood pressure, has received considerable interest as a poor prognostic condition. The cause of masked hypertension is complex, but evidence suggests that chronic stress at the workplace or home could be involved. Chronic psychological stress could be associated with distorted lifestyle and mental distress as well as long-lasting pressure load, contributing to the blood pressure elevation.

Stress issues are common in patients in modern society. Considering psychosocial stress as the pathogenesis of blood pressure elevation is useful for achieving an individual-focused approach and 24-h blood pressure control.

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Taking Steps to Manage Stress 1. To track the stress points. Keeping a journal/ diary for a week or two to identify which situations create the most stress and how you respond to them. ...

2. Develop healthy responses. ...

3. Establish boundaries. ...

4. Take time to recharge. ...

5. Learn how to relax. ...

6. Talk to the supervisor. ...

7. Get some support.

8 ways to beat stress at work 1. See the big picture. Communicate with your boss what are the key deliverables. ...

Everyone should take a pause in their busy schedule and think if they really like the job they are doing? If you give it a serious thought, you may realize that it’s not about the work at all.

All the grumbling, complaints and stress that one has in their job could be merely due to their lifestyle and working style. It might be true that once you are at work you really enjoy your job, but the travelling conditions, unorganized work style or your inability to manage time could be making your job very stressful for you.

Here are a few simple lifestyle changes that can help us to manage work related stress and make our life at work really stress-free.

1. Listen to Music On The Way to Work.

4. Escape for an instant. ...

If one has a long commute to work and travels in a car, bus, taxi or train, they can tune in to some nice soothing music. Research suggests that music can be regarded as therapy and can have its effects on mental health to improve our mood.

5. Don't be a hero. ...

2. Use Essential Oils At Workplace.

6. Get enough rest. ...

2. Use Essential Oils At Workplace. ...

Work related stress has become a burning topic and many experts are constantly searching for best strategies to manage it. Using essential oils in the workplace is one the effective approaches to reduce work related stress. There are several ways in which one can get the benefits of Aromatherapy in the office. One can use an essential oil diffuser on their desk, keep a small bottle for personal use, or spray the air with essential oils and water.

3. Sit Upright in Your Chair. ...

3. Sit Upright in Your Chair.

4. Choose Fruits / Fruit Juices Over Coffee. ...

Wrong posture of sitting such as slouching while working on computer is associated with neck, shoulder and back pain. The occupations that require sitting for a long time, have the highest prevalence of back pain. If your job involves sitting in front of computer for a long time make sure to adjust the monitor to your eye level and keep your hands close to the body while using keyboard. To prevent the hazardous effect of

2. Take time out. ...

3. Don't smoke, eat or have caffeine to destress. ...

7. Get adequate exercise. ...

8. Don't be so harsh on yourself.

A few simple lifestyle changes that can help to manage work related stress and make life at work really stress-free.

1. Listen to Music On The Way to Work. ...

5. Put a Desktop Reminder to Drink Water.

6. To park the Car / Two wheeler Away From Workplace 7. Take the Staircase instead of Elevator 8. Stand when Possible

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

prolonged immobility, all you need to do is get up and move around. Make it a habit to get up after every 30 minutes or an hour, and move for at least 2 to 3 minutes.

4. Choose Fruits / Fruit Juices Over Coffee.

One might be having several stressful moments at work, when everyone wants something from them urgently. And, this definitely calls for a cup of coffee. If this happens repeatedly, do you keep asking for coffee frequently? Coffee does stimulate your brain but according to experts more than 4 cups of coffee per day is hazardous to health. Bring in some healthy changes in your lifestyle by replacing coffee with water or fruit juice.

5. Put a Desktop Reminder to Drink Water.

Ask yourself how many glasses of water do you drink in a day? You cannot really recollect. In fact, some people actually forget to drink water.

Water is essential to keep the body temperature normal. It also helps to flush out the toxins and wastes through urination, perspiration, and bowel movement. Research reveals that dehydration can affect brain and cause lack of attention and memory problems.

6. Park Your Car / two wheeler Away From the Workplace With the busy work schedules it may be difficult at times to hit the gym or go for walk before going to work. But, what if we fit physical activity in the work schedule itself? If one looks closely there are number of opportunities for some activity in our daily work schedule. One smart way is to park our car/ two wheeler at some distance and walk few feet rather than simply stepping out of car into the elevator. So, now stop struggling to get the parking slot closest to the elevator.

7. Take the Staircase Instead of Elevator Climbing stairs is a recognized form of vigorous physical activity. Experts suggest that you burn Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

7 times more calories when you take the stairs rather than taking the elevator. This happens because with every step you climb you burn about 0.17 calories. However, if you have problems with your knee or heart, climbing stairs every day can be unsafe for you.

8. Stand When Possible Majority of office goers sit for nearly 6-7 hours in a day. Research has shown that cumulative impact of sitting all day for years is associated with a range of health problems, from obesity to diabetes to cancer. Although not possible in all workplaces, the popularity of the sit-stand desk and stand up workstation is booming. If you cannot have a stand up workstation, make sure you split your standing and sitting time equally.

Make sure to stand while you discuss work with colleague or when you talk on cell phone.

Eat Foods That Lower Your Stress It’s natural to get stressed when you see work piling up in front of you. But, craving and eating food to overcome your work related stress is not a healthy solution. Research has found that in stressful situation we tend to crave for fatty, sugary, calorie-rich food because it’s not about physical hunger at all, it’s about the comfort we get through food. You must choose some healthy foods that satisfy your hunger as well as overcome your stress. 5 foods that can reduce stress are Tea, Carrots, Nuts, Milk, and Curd.

One can keep them handy when at work.

Do Some Desk Exercises Exercise is a proven and effective means of reducing work related stress. But, how can one do any physical activity amidst daily busy schedule?

It is not referring to any vigorous activity. Instead one can do simple desk exercises as given below.

• Stretch one or both the legs and hold it for few seconds before getting back to ground. Repeat this few times • Try the neck stretch by touching your ears to shoulders and holding for few seconds

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• Stretch both your arms backwards as if you are trying to hold a pen between your hands • To prevent wrist pain due to keyboard use, place your palms on desk and lower your body till you feel the stretch in your arms • Working women juggling multiple roles in our complex society are increasingly experiencing psychological stress. Studies show that Essential fatty acids may be effective in reducing prenatal stress and cortisol (a hormone) and may reduce anxiety during premenstrual syndrome and during menopause in the absence of depression. Essential fatty acids are present in Fish and other seafood , flaxseed, walnuts, Plant oils (such as flaxseed oil, soybean oil, and canola oil), Kidney beans.

Magnesium and vitamin B6 may be effective in combination in reducing premenstrual stress, and vitamin B6 alone may reduce anxiety effectively in older women. High-dose sustainedrelease vitamin C may reduce anxiety and mitigate increased blood pressure in response to stress.

There are employee assistance programme even in SBI that provide counsellor services to employees. Emotional well-being is at the heart of every institute.

One can avoid, alter, adapt and accept stress situations. One can avoid stressful condition/ experience. Alter involves changing the route to reduce stress, like if driving in a traffic jam is causing stress; one can take train/ metro.

Adapt is learning the art of compromise and moving ahead. This is particularly useful while dealing with a boss or a peer with whom one has a problematic relationship. One should sit down with the person and have an open conversation. Be open to feedback and share their expectations with them. Acceptance is key when dealing with a situation that cannot be altered. There’s always another group or role or place that may suit ones abilities better.

Dr. Vaibhav P. Shirwadkar Senior Medical Officer Corporate Centre

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

The precious Indian linkage The forerunners of SBI (the Presidency Banks of Bengal, Bombay and Madras and later the Imperial Bank of India) maintained a forbidding distance between the supervisory establishment which was exclusively European and its Indian subordinate set up.

The Indian connection did not, however, cease with the bank’s establishment. It was present in its board and shareholding too.

The Bank of Bengal, for instance, appointed Indian shareholder, Maharaja Sookmoy Roy, founder of the Posta Raj family in Calcutta, as a director in its first board in 1809. Roy is perhaps most remembered for his princely gift of Rs. 1.50 lakh for the construction of the Cuttack Road and caravanserais for the convenience of pilgrims travelling to Puri. No other Indian succeeded him till a century elapsed. The Bank of Madras board composed mostly of representatives of Parry, Binny, Arbuthnot, etc. did not have an Indian till 1920. It was only in the board of the Bank of Bombay that there were several Indians – Parsees, Gujarati Hindus or Jains, Khojas, Bohras, etc. – all promoters or shareholders of cotton mills or rich merchants.

In the Imperial Bank of India, however, the presence of a number of leading Indian industrialists and businessmen on its board bore the stamp of changing times.

Even as shareholders, the three banks had an impressive tally of Indians. In 1809, when shares of Bank of Bengal were priced at Rs10,000 each, there were as many as 27 Indians including the Basaks, early settlers of this region, and millionaires like Ramdulal De, the banian who traded with America. In Bank of Madras, some of the leading Chetties and Parsees of the presidency were holders of shares then valued at Rs1,000 each. As many

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

as 144 out of 332 shareholders of the Bank of Bombay in 1840 were Indians.

Among the Indians who made up the subordinate establishment, there were a few who gained eminence in later life. Dinshaw Eduljee Wacha, who served the Bank of Bombay for a short while, was one of the founders of the Indian National Congress and presided over its Calcutta session in 1901. Wacha later joined the board of Imperial Bank of India in 1921 and was the first to demand the Indianization of the banking service. The scheme of recruitment of Indians as probationary assistants was introduced soon after.

Dewan Bahadur M.A. Parthasarathy Aiyangar, a former chief cashier of the Bank of Madras, was not only rewarded handsomely for his loyalty on retirement but was also made a director of the bank. Keshab Chandra Sen, a clerk for a brief while in the Bank of Bengal in the 1850s, later became a rebel Brahmo Samaj leader.

Sen’s grandfather, Ramkamal, served as a khazanchee or head cashier of the Bank of Bengal between 1832 and 1844. Just prior to joining the bank he was employed as bullionkeeper, cashier and native accountant of the Calcutta Mint. He began his career as a writer in the Asiatic Society and later took up various assignments in the Calcutta Mint, Agricultural and Horticultural Society of India, Sanskrit College and the Hindu College. He was also the only Indian in the committee appointed

by William Bentinck to report on the state of medical education and suggest ways and means for its improvement which paved the way for the establishment of the Calcutta Medical College in 1835. The many assignments that he held spoke volumes, wrote Horace Hayman Wilson, an eminent Orientalist of the nineteenth century,

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‘not only of his liberality, zeal and industry but of the confidence universally reposed in his talents and integrity’.

His professional engagement apart, Ramkamal was also a man of letters. Besides producing in association with two others, a translation of English and Arabic fables in Bengali for children, he also wrote the first book on western medicine in Bengali. His most lasting contribution was of course a Dictionary in English and Bengali, which carried 60,000 words across 1102 pages.

When Ramkamal joined as khazanchee, the then bank’s secretary and treasurer, George Udny, a civil servant, did not take kindly to him. Obviously peeved by the eminence of a subordinate and that too an Indian, Udny looked for an excuse to nail Ramkamal. Udny found the khazanchee to be an ‘inefficient public officer’ who ‘never devoted’ much time and attention to his duties. Soon the secretary complained to the bank’s directors on the khazanchee’s occasional late arrival in office.

This was largely due, Ramkamal explained, to his engagements in commercial and other public meetings or visits to businessmen, which could not be undertaken once he reached office.

When the matter was referred to him, Ramkamal requested for a clear definition of the khazanchee’s duties which was lacking till then and wrote in his reply :

I have had the benefit of European association, and had the good fortune of enjoying the good opinion of all my superiors, and those whom I have had to deal within official capacity and after passing through so many respectable situations with unstained character, satisfactory conduct and appreciation of my services by my employers and after successful exertion for such a length of time to raise and establish my character in the line of business, I am now here pronounced ‘as an inefficient public officer’ in a place where neither any great intellectual acquirement nor ability is required to a due discharge of the duties but mere mechanical labour in paying incessant attention and close application to the number of Bank Notes Bills and quantity of cash. [Italics mine] The directors considered the matter and recognized the khazanchee’s value in acting as the main source of information on the status of bank customers and the necessity of keeping his departmental autonomy unimpaired.

Ramkamal continued as the bank’s khazanchee till his death on 2 August 1844. With his death ended the career of perhaps the most outstanding Indian who ever served the bank.

Abhik Ray

*****

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Tourism – Hill Station Train Darjeeling Himalayan Railway - Dhr Riding the Toy Train of Darjeeling Himalayan Railways (DHR) has always remained a coveted experience to the tourists. Only few would let go such an opportunity and there is a clear reason why so. After all this Toy Train has been accorded the UNESCO World Heritage status and that's for a special reason. Operating on narrow gauge tracks since 1880s and providing an important transport link to various parts of Darjeeling hills and lower plains, the toy train is an icon of our heritage since the colonial days and an engineering marvel that was achieved in that era. It also offers a wonderful way of absorbing the Himalayan beauty as you traverse along the slopes of the hills.

Where else can you find a small steam engine pulling mini coaches up the steep mountains through breathtaking landscapes and overcoming almost impossible curves and gradients using sheer engineering ingenuity and creative skills. The snail pace at which the train moves through the hilly terrain is at times so slow that you can often see the local school children hopping on and off the train on the move.

Although the diesel engines used these days are faster and more powerful, the original steam engines still operate in some sections also for joyrides. The steam loco drawn trains sometimes tend to skid in steep gradients. You can often see an attendant standing in front of the engine and sprinkling sand on the track to overcome such difficulties, particularly in monsoon time.

Toy Train Joyride - Darjeeling to Ghum & Back Toy train joy rides operate from Darjeeling Railway Station. It's a 2-hour round trip from Darjeeling up to Ghum and back covering a total distance of 14kms. There are several such round trips during the day starting in the morning. Number of rides per day depends on the demand during the month or the season.

The train stops for 10 minutes at the Batasia Loop.

The Darjeeling Himalaya Railway, nicknamed the "Toy Train", is a 2 ft (610 mm) gauge narrowgauge railway from Shiliguri to Darjeeling in West Bengal, run by the Indian Railways. It was built between 1879 and 1881 and is about 86 km long. The elevation level is between about 100 m at Siliguri and about 2'200 m at Darjeeling.

The DHR is the very first hill railway in India, and one of the first ones in the world, the “toy train” is operating and retaining most of its original features and values until today. In the mid19th century, the British rulers built a recovery home away from home in the Himalayan city Darjeeling where the stress of colonial rule and the hot Indian climate could be put away for the summer. A sanatorium and a military depot were set up. The soft climate was not only good for recreation but also supporting extensive

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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tea growing and plantation. Subsequently, Darjeeling became a well-known new British settlement and trading point for tea. Increasing traffic by people and commodities overstressed the existing cart-road and a new transportation system was required.

DHR was declared a World Heritage site by UNESCO in 1999, only the second railway to have this honour bestowed upon it, the first one being Simmering Railway of Austria in 1998.

To be nominated as World Heritage site on the World Heritage List, the particular site or property needs to fulfill a certain set of criteria, which are expressed in the UNESCO World Heritage Convention and its corresponding Operational Guidelines.

Four modern diesel locomotives handle most of the scheduled services; however the daily Kurseong-Darjeeling return service and the daily tourist trains from Darjeeling to Ghum (India's highest railway station) are handled by the vintage British-built B Class steam locomotives.

The B class locomotive may be amongst the tiniest on its gauge and the railway is often referred to as a 'Toy Train' by its aficionados but it takes a crew of upto five men to maneuver this mighty machine on its journey up the hills.

Apart from the driver and his assistant, there are two men seated on either side of the boiler smokebox just above the buffer beam. Their job is to sprinkle fine sand on the rails, which helps in increasing adhesion between rail and wheels, and avoid slipping and derailment, especially in wet weather. Finally, there is the coal breaker who is perched on top of the coal bunker and helps breaking larger lumps of coal.

On the downhill journey, one may spot men between coaches often moving up and down on a lever and relaxing on top of the coaches on the level or uphill sections. These are not joy

riders but 'brakes-men' who perform the crucial job of slowing down individual coaches through the operation of mechanical foot brakes.

The railway, along with the Nilgiri Mountain Railway and the Kalka-Shimla Railway, is listed as the Mountain Railways of India World Heritage Site. The headquarters of the railway is in the townof Kurseong.

India is the land of diverse culture and rich heritage. No wonder UNESCO has identified twenty-six World Heritage Sites here. Each place has fascinating stories to tell. For one such impressive tell, visit Darjeeling in West Bengal and board The Himalayan Toy Train.

It is not only an engineering marvel but also a delightful and enjoyable way to soak in the beauty of the passing hills and the dense forests. This eighty-three kilometre long stretch connecting Darjeeling with the railhead of Siliguri will keep you entertained. So, board The Himalayan Toy Train for world’s most exotic train ride.The month of February 2019 was celebrated in DHR as Heritage month. Various events were organised in DHR. A steam special run was organised from Siliguri to Rongtong in February 2015.

India Post and many countries has issued postage stamps on DHR. Anil K Saxena Freelancer, Philatelist, Ex Tourist guide, Dept of Tourism, Govt of Bihar Retired Branch Manager, State Bank of India, Gaya, Bihar SHREE RADHA SADAN, HOUSE-273, A.P. COLONY, GAYA-823001 Mob 9431272010 emsaxenaak273@yahoo.co.in

*****

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Tree pose yoga (Vrikshasana) We have seen certain YOGA PRACTICES in the earlier issues of this magazine. In this issue we will be discussing TREE POSE or Vrikshasana in the standing position.

This posture replicates the graceful, steady stance of a tree. Unlike most yoga poses, the Tree Pose requires keeping our eyes open in order to maintain body balance.

At this age or say above 50, I don’t advise you to jump into a 90-minute hot yoga class with a group of younger practitioners. But you can start with a gentle practice meant for beginners. You can slowly try for the easy YOGA PRACTICES as Vrikshasana is one of the easy poses.

Excellent for leg and abdominal strength.

Good for seniors to do for balance and concentration. It’s ok for the leg to be lower on the inner standing leg. Since you are all senior colleagues you can start with using a wall for support.

Stand tall, and place one foot on the opposite inner thigh, either above or below the knee.

Open the leg to the side, bring your hands to prayer, and stay for five to eight breaths.

Vriksasana or Tree Pose is an asana.

Sanskrit: Je=#eemeve; Vriksha – Tree, Asana – Pose; Pronounced as – vrik-SHAHS-anna

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

This posture is a close replica of the steady, yet graceful stance of a tree.The name comes from the Sanskrit words vriksa or vriksha (Je=#e,

vriksha) meaning “tree”, and asana (Deemeve) meaning “posture”. Please keep your eyes open as in all the asanas where balancing is required, unlike most other yoga poses, you are required to keep your eyes open so that your body can balance itself.

What You Should Know Before You Do The Vrikshasana It is best to practice tree pose yoga on an empty stomach. There must be a minimum of four to six hours between your meal and the practice.

This will give your body enough time to digest the food and energize your body, making it ready for activity.

However, it might be ideal to perform the Vrikshasana in the morning. This asana involves focus and concentration and it is best to channelize this in the morning when your mind is clear of the worries and stress from the happenings of the day.

How to Do Tree Pose (Vrikshasana) Stand absolutely erect and drop your arms to the side of your body.

Slightly bend your right knee, and then, place the right foot high up on your left thigh. Make sure that the sole is placed firm and flat on the root of the thigh.

Your left leg needs to be absolutely erect. Once you have assumed this position, breathe, and find your balance.

Now, inhale, and gently raise your arms over your head and bring them together in a ‘namaste’ mudra.

25

Look straight at a distant object and hold your gaze. This will help you maintain balance.

The knees become stronger, and the hip joints are loosened.

Keep your spine straight. Note that your body needs to be taut, yet elastic. Take in deep breaths, and every time you exhale, relax your body more.

The eyes, inner ears, and shoulders are also strengthened in this pose.

Gently bring your hands down from the sides, and release the right leg.

Come back to the original position of standing tall and straight as you did at the beginning of the practice. Repeat this pose with the left leg.

Those who suffer from high blood pressure should not raise their arms above the head for a long period of time.

It is best that you avoid practicing this pose if you suffer from insomnia or migraine.

Benefits of Vrikshasana (Tree Pose) Vrikshasana has numerous benefits. Take a look at the good it can do to your body, if practiced regularly.

It strengthens the spine while improving both balance and poise.

It improves coordination.

and

aids

neuro-muscular

It tones the leg muscles while making the ligaments and tendons of the feet stronger.

It relieves those suffering from sciatica and reduces flat feet.

It makes you stable, flexible, and patient. It enhances concentration and activates all the mental faculties.

This pose helps to deepen the thorax.

Science Behind Vrikshasana This asana is mainly a balancing posture, and its main benefits lie in improving balance and enhancing the nervous system. When you balance, you are forced to focus your mind, and as you focus, you will realize you are balancing. When the mind wanders, so does the body. Stress and tension forbid you from balancing.

While stabilizing your mind and body through stretching, this asana also strengthens your joints and bones and expands the hips and chest. It loosens the shoulders and tones the arms as well.

C. P. Mulye Yoga Prabodha

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Yoga For Older Adults:

5 Health Benefits Of The Practice For...

• You Get The Benefits Of Movement — Without The Strain. Exercise is a crucial part of healthy aging, but high-intensity cardio or strength training can also put strain on the body. ...

in class. Many studios offer beginner classes with props for modifications, and some even tailor to older adults. New practitioners should also remember that they can opt to sit in the resting child’s pose or take a seated meditation during more challenging postures.

• Increased Flexibility. ...

• Yoga Can Relieve Menopausal Discomfort.

• Promotes Good Bone Health. ...

• Yoga Keeps The Mind Sharp.

• Beginning a yoga practice as an older adult can be intimidating, especially if you’re out of shape or working with health conditions. Although you don’t want to jump into a 90-minute hot yoga class with a group of younger practitioners, starting a gentle practice for beginners can be an excellent way to stay active and lower stress levels. Yoga can have a number of benefits for people over 50, from healthy bones to flexibility to anxiety relief. Ninety-four-year-old yogi Tao Porchon-Lynch swears by yoga as a way to maintain a positive attitude, relieve stress and age gracefully.

• Yoga is not only safe for older practitioners, but also effective in keeping the mind and body in good health. If you’re thinking about starting a yoga practice, make sure to find a class and instructor who can meet your needs.

• “People can either find an individual teacher to work with when they first start out, or find a studio that works with beginner classes, and see if they tailor to people over 50,” Eva Norlyk Smith, yoga teacher and Managing Editor at YogaUOnline, tells Huff/Post50.

• Starting up a new practice may come easily to you if you’ve been fairly physically active through your life, but if you’re out of shape, don’t go straight for a walkSecond Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

• “There’s a lot to learn, and most people over 50 run into issues like tight hamstrings, which affects alignment in so many different postures,” Norlyk Smith says. “If you go in and have a 20-yearold doing it perfectly next to you, you’re going to push yourself more than you should.”

If you’re considering starting a yoga routine post-50, scroll through the list below for five health benefits of the ancient stress-relieving practice for older adults.

1. You Get The Benefits Of Movement — Without The Strain.

According to stress expert Dr. Kathleen Hall, regular exercise reduces the risk of death by a third and the cuts the risk of chronic disease by 40 percent. Yoga can be an excellent low-impact exercise options that’s easier on the body than activities like running or weight-lifting.

• “Yoga helps people integrate an exercise program into their routine without some of the downfalls that you can easily come across in different training systems,” says Norlyk Smith. “Yoga does offer strength training because you use the weight of your own body in may of the postures.

But unlike regular strength training, because you’re not adding any weight, you’re less likely to get injured.”

2. Increased Flexibility.

The gentle stretching of a yoga poses can

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go a long way in helping you develop greater flexibility, which can ensure that you maintain a good range of motion as you get older. A limited range of motion, which naturally declines as the body ages, makes older adults predisposed to falls and eventually get in the way of daily activities.

Relieve

Taking quiet time out for yourself through a weekly or daily yoga practice can help relieve stress, and keep you centered and energized.

“When your body functions better, you’re going to feel better,” says Norlyk Smith.

“You’ll have more energy, more vitality, and most yoga practitioners will say that regular yoga practice helps even out one’s moods.”

Would you ever take up a yoga practice?

How do you keep active and relieve stress? Tell us in the comments below or tweet @HuffPost50.

Menopausal

Certain yoga postures can also help ease the hormonal fluctuations of menopause. Try poses like The Bridge, Seated Forward Bend and Plow to relieve uncomfortable symptoms of menopause, from hot flashes to anxiety to painful menstruation.

4. Promotes Good Bone Health.

5. Yoga Keeps The Mind Sharp.

“Yoga exercises parts of the body that may not be exercised in any other programs,” Norlyk Smith says. “One is spinal flexibility... There’s a yogic saying that ‘the body is as young as the spine is flexible.’ I think that’s a reflection of the importance of keeping the spine pliable and keeping the circulation up in the spinal chord.”

3.

Yoga Can Discomfort.

of 68, he said, “We did a bone mineral density (DEXA) scan, then we taught half of them the yoga, waited two years, and did another scan. And not only did these people not lose bone, they gained bone.

The ones who didn’t do the yoga lost a little bone, as you would expect.”

A gentle yoga practice is not only safe for those with osteoporosis, but it can also be effective in preventing and slowing bone density loss, according to medical director of Manhattan Physical Medicine Dr. Loren Fishman. Whether you’re looking to prevent osteoporosis or to relieve pain from an existing bone condition or fracture, gentle twisting poses and stretches can be beneficial.

“I know [yoga] can help because I’ve done the studies,” Fishman, who has done extensive research on yoga and osteoporosis, told Huff/Post50 in a previous interview. Referring to a study involving adults with an average age

• The benefits of yoga for seniors are much the same as those for the general population: increased muscle tone, balance (which is particularly important), strength, and improved mood. Through pranayama (breathing exercises), lung capacity is increased. You can expect your posture to improve and you may sleep better.Jan 18, 2019 • Can you start yoga at any age?

• No, You're Not Too Old for Yoga.

Here's how yoga can benefit your mind and body at any age. When you think of yoga, you might immediately picture young, able athletes doing complicated, picturesque poses. But, the truth is, yoga is for everybody, regardless of shape, skill level, or age.

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Shri. B.G. Dandekar, a Doyen of

SBI Pensioners’ Fraternity When one speaks about Shri. B. G. alias Balasaheb Dandekar, he is automatically looked upon as a doyen of ‘SBI Pensioners’ Association, (Mumbai Circle)’ as well as ‘Federation of SBI Pensioners’ Associations’ working for the SBI Pensioners at the national level over two decades. He is most respected personality not only among the fraternity of SBI Pensioners in Mumbai Circle but also at the All India level. In true sense, he has been working hard as a torch holder for the SBI pensioners. He is popularly known as ‘Dada’ (means an elder brother). After seeking voluntary retirement in 1987 he immediately joined the SBI Pensioners’ Association, Mumbai Circle and flung himself in to the Associations’ work. He has recently completed 90 years of age and despite this, he has still been guiding the present Office Bearers of the Association with full dedication. In the recent past, whatever important decisions have been taken by the Bank in the interest of the Pensioners, resulting in to monetary and other benefits, Shri. Dandekar along with Shri. S. B. Gokhale has played a very crucial role. Whenever the Pensioners’ Association was successful while fighting for the cause of Pensioners, Shri. Dandekar had always a noteworthy share in their success.

These facts are beyond doubt.

Shri. Dandekar was born on the 16th November, 1928 in Jambhulpada village of Raigad District in Maharashtra. After passing SSC examination he served in a Government Department for two years and later on in 1951 joined Imperial Bank of India, as a typist. From 1955 to 1974 he was in Personnel Department of the Central Office 30

(now Corporate Centre) of the Bank. During this period, he was associated with the work of preparing agreements for Bipartite Settlements (including Desai Tribunal Work), wage revisions / negotiations, preparation of various statements, collection of various information and data etc. While performing all these jobs, he devotedly learned the minute details relating to all these issues and virtually earned the name in these matters. This benefited him to a great extent while working in the Association / Federation.

He has worked on various posts in the Bank and in many branches in Mumbai Circle.

During service, he was highly instrumental in establishing ‘Maharashtra Mandal’ in the LHO, Mumbai, on 14th October 1964.

The ‘Maharashtra Mandal’ was inaugurated at the auspicious hands of late Shri. Pralhad Keshav Atre, a versatile personality in almost all the fields viz. all sorts of Literature, Education, Politics, Oratory, Film Production/Direction and what not. Late Shri. V. N. Nadkarni, Ex-Chairman of SBI and Late Shri. N. S. Kulkarni, ex-CGM and Ex- President of Federation of SBI Pensioners’ Association and SBI Pensioners’ Association (Mumbai Circle), were present for this programme. He was greatly instrumental in successfully completing not only in time but within the estimated cost, the first Housing Society of the ‘SBI Employees’ in the country. In May 1960, the Foundation stone of this Society was laid down by Shri. P. C. Bhattacharya, the then Chairman of SBI. He was also fortunate to inaugurate this Society on completion in May 1961.

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Shri. Dandekar, after retirement immediately started working for the Pensioners’ Association.

In forming the Mumbai Zonal Sub-Centre, he had equal participation along with Late SarvaShri. V. R. Kuddyadi and S. S. Pandit.

Initially he worked as a Secretary and President of Mumbai ZSC. Thereafter in Mumbai Circle Association he was Joint Secretary for one year and then he worked as a President from July 1999 to July 2004.

the great work done by him, in the ‘Mumbai Circle Annual General Meeting’ held on 6th July 2005, at Nashik, he was felicitated by awarding ‘Late Shri. L. N. Pabalkar, Gold Medal’. To a great extent, he was involved in solving the problems as well as getting various benefits to the Pensioners while working in the Association/Federation. He is having lion’s share in securing the following benefits to the Pensioners:

Various qualities such as possessing indepth knowledge of all the pension matters, keeping abreast of the minute details of Bipartite Agreements, willingness to work hard, fervour to fight for the cause of pensioners, ability to take all together and carry out the tasks, capacity to understand the opposite persons, passion to help the pensioners’ fraternity, etc. possessed by him, helped him to work on the various posts in the Federation for a very long period of 22 years. This is evident from the following details:

I.

Posts Held i) Secretary

Period From 04.03.1990 to 02.05.1993 ii) General Secretary From 02.05.1993 to 06.07.1999 iii) Vice President From 06.07.1999 to 15.11.2005 iv) President From 15.11.2005 to 19.01.2009 v) Adviser From 19.01.2009 to 30.03.2012 While working in the Mumbai Circle Association and the Federation, Shri. Dandekar put very hard work and took relentless efforts for getting justice to the Pensioners and was instrumental in getting many benefits for the Pensioners and solving their long pending issues. In particular, he was personally helpful in securing pension to many family Pensioners. In deference to

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

13-2-1992 - Bank introduced the system of issuing "Pension Payment Advice" to Pensioners.

II. 10-2-1995 - There were complaints from Members for not getting the usual medicines from the Bank's dispensaries.

Hence the issue was taken up with Central Office by our Federation. Therefore, instructions were issued to all LHOs to do the needful, and the Pensioners started getting medicines.

III. 28-3-1995 - Pensionary benefits extended to employees of Banks taken over by SBI. In this regard, Bhopal Circle Association played prominent role to get the proper decision with the help of late Hon'ble Shri.

Madhavrao Scindia.

IV. 12-5-1995 - After presenting some live cases, at our request the Bank agreed to extend the benefit of additional 30% of pay (Maximum Rs.150/- p.m.) to pensioners whose pension was calculated on the basis of salary scale prior to 1978/79.

This benefit was also extended to Family Pensioners from that group.

V.

18-5-1996 - State Bank of India Retired Employees' Medical Benefit Scheme.

(REMBS). After discussions with the Management of the Bank, the scheme was finalized. The scheme was opened for Membership w. e. f. 1-7-1996. This was the greatest achievement of the Federation.

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VI. 28-5-1996 - The Bank accepted the suggestion of sanctioning of Family Pension while sanctioning pension to the employee. The facility was also extended to those pensioners who retired prior to 1-11-1993. Incidentally, this suggestion was made in Mumbai Unit's AGM. The Meeting was attended by Top Executives of Central Office.

VII. 29-6-1996 - Following suggestions made in the AGM of Mumbai Circle Pensioners' Association were approved. a. Date of payment of Pension - Last but 4th working day, b. Cheque book facility on pension account to be extended to Bank's Pensioners, VIII. Commutation amount should be paid to legal heirs in the following circumstances: a. If a pensioner dies after medical examination, but before the sanction of commutation and b. If a pensioner dies after the commutation is sanctioned but before it is credited to his / her pension account.

The above was approved only after pointing out a few "live cases".

c. We also pointed out another case where a pensioner applied for commutation, however, in medical examination his age was increased resulting in decrease in ‘Commutation Factor. In such circumstances, pensioner should have right to withdraw the application for commutation. This proposal was also accepted by the Bank.

IX. 31-10-2000 - GOI directed the Bank to revise the pension w. e. f. 1-3-1999 as per

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formula advised in Government of India letter F. No. 1/5/91/IR dated 23-2-1999.

The formula is as under: a) Employees/officers having pay up to Rs. 8,500/- p. m. 50% of the pay; b) Employees/officers having pay exceeding Rs. 8,500/- p. m. 40% of the pay subject to minimum of Rs. 4,250/- p.m.

The above formula is applicable to those pensioners whose pension was calculated on the salary where D.A. up to 1148 points was merged. No reason has been stated in the above letter, why "40%" to a few employees.

Similarly, when the salary scales were revised in 1992/93, why the formula is effective from 1-3-1999”.

This scheme was implemented as per C.O. letter No. CDO/PM / 16/CIR/34 of 31-102000. Though unsatisfactory, senior most officers' pension (Basic) increased from 28.71% to 40.00% of basic pay. (Basic pension increased from Rs. 4,250/- p.m. to Rs. 5,920/p.m.) This was only due to serving a notice through Advocate. However, revision based on similar to above formula has been done in respect of all who retired after 31-10-2002.

Revision of pension in respect of employees who retired after 31-10-2002 has been done in consultation with both the Federations of serving staff.

It is worth mentioning that Shri. Dandekar, did not confine his deep and thorough knowledge of Pension with himself only. During the period 1974 to 2004, he published a detailed article consisting of 14 chapters in ‘Samvad’ (the inhouse monthly publication of SBIPA’s Mumbai Circle) for information of our Pensioners. He has taken efforts even to incorporate the information about Pension right from the year 1805 (i. e. during the period of ‘Bank of Bengal’), various

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

schemes of Pension, how to calculate pension with detailed examples etc.

All this information would serve as a guiding torch to the present employees of the SBI. Shri. Dandekar is always described by many of our Pensioners as an encyclopaedia on Pension matters and held in high esteem. A few years back he developed very weak eyesight. He was not able to read or write for almost a period of two years. It is pertinent to mention that despite this serious ailment he did not sit idle. During this precarious condition also, he used to work very hard by getting the papers / documents read through the other Office Bearers (mainly Late Shri. B. P. Khare from Thane). He used to dictate them the important and urgent matters.

Later both the corneas of Shri. Dandekar were replaced. This indicates his passion to help the Pensioners. In his speech he always appeals for eye donation.

Shri. Dandekar lost his wife three years back.

However, this has never affected his work and he continued to work for the Pensioners’ Association. In September 2017 Mumbai Circle Association had their 43rd Annual General Meeting at Aurangabad and this was attended by Shri. Dandekar. He was felicitated specially in this AGM. Even at this age, he has been attending the Circle Association’s ‘Circle Managing Committee’s Meetings’ at Thane where he stays.

While working as a General Secretary of the Federation, he has done tremendous hard work. He used to invariably attend the Annual General Meetings of other Circle Associations and tried to understand the difficulties of those Pensioners. After coming back to Mumbai, he would without any hesitation, follow the

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

cases with Corporate Centre and helped those Pensioners to solve their problems. He has guided the Pensioners’ Associations of other Circles on various aspects as during that time some of the Associations were in nascent stage. He has a peculiar habit of keeping records not only of important matters but even of petty matters.

Even after having a telephonic conversation or discussion he would note down the details in the diary and follow up the matter with the concerned persons. He is an ardent follower of punctuality, discipline, neatness etc.

In pretty old days there was no system of discussions / negotiations between the Pensioners and the Bank Executives. The doors for discussions / negotiations were opened by the Bank Management in 1989, only after the establishment of the Pensioners’ Associations/ Federation. The decision of the Supreme Court in 1988 to grant 50% pension to the 4th and 5th BPS Pensioners, in a case filed by the IBI Pensioners’ Association (Delhi Circle) helped open the Bank’s doors for discussions/ negotiations. Therefore, when the discussions started with the Bank Management on the various issues of Pensioners, since beginning the participation of Shri. Dandekar was very important as he was well versed with the pensioners’ issues. He has an ability to convince the opposite party through discussions, that too in a calm manner. He has been maintaining good rapport with the Bank Officials. Because of his studious nature and negotiating skills he has been able to sort out number of important issues although the Federation/ Association has no recognition by the Bank.

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Shri. Dandekar has maintained good relationship with the leaders of Working Staff Federations so that they can help in solving the problems of the Pensioners. Towards this end he has made lot of correspondence with these leaders and tried very hard with the only intention of solving the most important issue of 50% pension. Unfortunately, during the initial period his efforts hardly bore any fruits. But all his efforts have now started bearing fruits since now these leaders of the Federation of working Officers/Staff have started realising that in a period to come they would also be facing the same problems which the Pensioners are facing today. Therefore, these leaders are now taking up the issues of the Pensioners with the concerned authorities.

Shri. Dandekar always make a special mention of SarvaShri. Late B. R. alias Bhaskarrao Gadre, (Ex-CGM), the Ex-President of the Federation and P. S. Santhanakrishnan (ExDMD), Ex-President of the Federation, to whom he is highly obliged as from both of them he always received guidance while working in the Bank as well as Association / Federation. He specially thanks Shri. V. M. Gokhale, (Ex-DGM),

Ex- President of SBIPA, Mumbai Circle, for his unstinted cooperation while working in the Federation. He places on record deep gratitude for good amount of cooperation extended by Shri. K. S. Dhande and Late SarvaShri. V. R. Kuddyadi, N. S. Kulkarni, S. G. Rabade and B. P. Khare, then Treasurer of Federation. He is also thankful to Shri. S. B. Gokhale, Senior Vice-President of the Federation & the President of SBIPA, Mumbai Circle and all his team members.

Last but not the least Shri. Dandekar is also highly obliged to his wife Late Sau. Kamalatai, Son Shri. Shrikant, and Daughter-in-law Sau. Deepti, as without their support, he could not have done so much of hard work and dedication for the cause of the Pensioners.

Let us wish a very healthy, contented and long life to Shri. Dandekar. “Jeevet Sharadaha Shatam�

Vilas Gandhe, (Retired AGM), General Secretary, SBIPA (Mumbai Circle), Pune.

M- 9371218775

*****

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

BHUTAN - A country with abundant Natural Beauty It was in November 2018 when we were standing in a que at the Delhi airport for cheking-in, for a Paro (Bhutan) bound ‘Druk Air’ flight. The person on the counter asked me which side seats you want? Since I had no attraction for window seat, I just told him ‘Any seat will do.’ He allotted us right hand side seats. I was happy as most of the passengers from our group had been allotted right side seats and our seats were behind each other. So, I thought we can chat with each other so that the journey period of two and half hours could not be a boring one.

After a period of almost 45 minutes from takeoff, the pilot informed that on the left-hand side of the plane you can observe the Himalayan ranges and could see some of the famous and important peaks. At this juncture, I realised why I was given a choice at the time of checking in.

So, I had lost a good opportunity, but it was in vain now repenting. However, due to little cloudy weather the passengers hardly could enjoy the beauty of the Himalayan ranges. I

Paro Air Port

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

consoled myself assuming it was a blessing in disguise.

After about two and half hours of travelling our plane landed at Paro airport, the only airport in Bhutan. The airport is located at a height of 7,300 ft. from the Mean Sea Level and supposed to be the most dangerous one as it is surrounded from all sides with high mountains and full of greenery. Hence it is difficult for landing. Due to little dangerous but difficult nature of the airport the pilots from Bhutan are considered among the 10 best (country wise) pilots of the world. It was very cold out-side when we landed there and the cool breeze welcomed us. The Paro river, one of the main tributes flows adjacent to the airport along the main road leading to Paro city. All the walls of the airport buildings had been painted with conventional paintings and arts of Bhutan. From inside also all the walls have been painted beautifully in Bhutani’s art.

On the lines of the proverb ’Charity begins at home’ we found the airport very neat and clean both from outside as well as inside. When we entered the airport building for immigration, we felt as if we were entering in to a beautiful house. We could experience the hospitality, kindness of the people of Bhutan right from immigration point.

In our group we were 14 tourists and the company had hired a mini bus for us. There were two guides who greeted us by bowing down and offering a white small shawl (Uparane) with smile.

Bhutan, the entire country comprises of panoramic valleys, majestic Himalayas, and abundance of rare fauna and flora. The rivers, arising from the Himalayas, meander through the valleys and mesmerize with their beauty. Its long list of forts, monasteries, and other Buddhist relics, trekking spots, and

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shopping areas are surely having conventional monarchy worth a visit. This country and at the same time there is also famous as a country exists democracy also. The of Dragon. ‘Druk’ means parliament is empowered even dragon. The word ‘Druk’ to impeach the King. is prefixed in case of many From Paro we proceeded to important names. e. g. ‘Druk Thimphu, the capital of Bhutan.

Air’, ‘Drukyul Hotel’ and so Then next day morning we went on. The nation’s flag carries to see the ‘Budha Dordenma a picture of a dragon. The Statue’.

The bronze-gold people of Bhutan have a Buddha Dordenma Statue is strong belief that the ‘Dragon’ among the popular Bhutan would always protect them tourist places. It is 169 feet tall from all the evils. 90% of the statue of Buddha, built at the population is Buddhist. After foot of the hills in Thimphu. This experiencing these people for iconic gold and bronze statue, about a week, I could make is visible from almost anywhere out that the real meaning from Thimphu City. The entire Stupa (Chorten) at the entrance of the of Buddha Religion i. e.

‘Budha Dordenma Statue’, Thimpu premises are very huge and has calmness and non-violence, been kept very clean and tidy. peaceful nature has been fully Outside the temple there are other attractive understood by these people as they have been statues.

Inside the temple, installation of one lac following the various principles of this religion truly and religiously. In each town there is one small statues of Budha, measuring 12 inches in ‘Dzong’ which is known as ‘Dharmapeeth’. The height and 25,000 statues, measuring 8 inches main priest is known as a ‘Monk’ and their in height is under fast progress. This statue was assistant is known as a ‘Lama’. The country is installed in 2015 and is one of the greatest attractions of the tourists. Thereafter we had

‘Budha Dordenma Statue’, Thimpu

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

However, due to cloudy weather we failed to see the Himalayan peaks covered with snow.

In the neighbourhood, one can observe good number of varieties of beautiful birds and colourful butter flies. It was very cold as the mercury had dipped to 2 degrees centigrade.

So, naturally we have to had a cup of hot coffee in a nearby restaurant.

Wall painting of Buddha Religion

been to ‘Mitithang Takin Reserve’. This is a famous zoo in Bhutan. Takin is an animal looks like a ram and has been declared as ‘National Animal of Bhutan’. The Government has been taking maximum care to preserve this animal so as to save from its extinction. The next attraction was Dochula Pass. This is a most beautiful pass considering its panoramic view. It is located at a height of 10,500 ft. and consisting of 108 Chortens or Stupas, built in the memory of the Bhutanese soldiers who died in a war against the insurgents from India. This war was fought in 2003, by the Bhutan Army (for India) against the ‘ULFA’ organisation of Assam. The beautifully built temples and stupas, with the picturesque ‘Gangkar Puensum’ peak in the background, makes the ‘Dochula Pass’ one of the best tourist places in Bhutan. Its panoramic view gives a glimpse of the peak of the sacred Himalayan mountain – ‘Chomolhari’.

Photograph of Mrs. & Mr. V. V. Gandhe at ‘Dochula Pass’

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The next day we visited Punakha, the oldest town in Bhutan and in old days (till 1955) it used to be the capital of Bhutan. The Monastery i. e. ‘Punakha Dzong’ is like a fort and one of the popular places to see in Bhutan.

Punakha Dzong is the second largest Dzong in Bhutan and is known for its brilliant structure.

It speaks volumes about the beautiful stories and traditions of the Buddhist culture. The main attractions were the intricate paintings and the architecture of the fort, sacred relics of the southern Drukpa Lineage of Kagyu school of Tibetan Buddhism, and the sacred remains of ‘Ngawang Namgyal’ and the ‘Tertön Pema Lingpa’. Adjacent to the Dzong flows a river which adds to the beauty of the place. Later in the afternoon, we enjoyed the sensational rafting in this river.

‘Punakha Suspension Bridge’ is situated on the ‘Pho Chhu’ river. It is 300 Mts. long but very narrow and offers scenic views of the Punakha valley and surrounding mountains.

The next place was Paro City. This place has cultural importance. The palace of the king

Dochula Pass with Chortens

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‘Punakha Zong’ on the bank of the river ‘Mo Chhu’

is worth seen as it is famous for traditional Bhutanese paintings. The ‘National Museum of Paro’ built in 1968 and set above the famous ‘Rinpung Dzong’, known as the fortress on a Heap of Jewels. ‘Rinpung Dzong’ is among the best tourist places and a classic example of Bhutanese architecture and deep-rooted traditions. The National Museum exhibits number of photographs of Indo-Bhutan friendship right from the period of Late Shri Pandit Nehru till Shri Manmohan Singh, our ExPrime Ministers with the Kings of Bhutan since long. The Museum also exhibits historical as well as geographical information on Bhutan.

From contemporary paintings to ancient statues, the museum today houses about 3000 masterpieces and exhibits more than 1,500 years of cultural heritage of Bhutan. From Paro we went to ‘Chellela pass’ which is located at an altitude of 3989 Mts. It is famous for the magnificent panoramic view of the valleys, gushing waterfalls, alpine flowers, and clouds drifting above the hills.

On penultimate day of our tour we had been to ‘Tiger’s Nest’ which attracts the maximum number of tourists, in general and in particular the Buddhist. Tourists from countries having Buddha religion are visiting Bhutan particularly for this place. This place is situated 20 KMs 38

from Paro. The original name of ‘Tiger’s Nest’ is ‘Taktsang Monastery Paro’. The Monastery is located at an altitude of 10,232 ft. having beautiful hills in backdrop. It is one of the most popular and sacred monasteries of ‘Guru Rinpoche’. After getting down the Bus, we have to either climb up 3 KMs by foot or on a horse.

Then the distance of 3.5 KMs has to be climbed up by foot only. After climbing around 2.5 KMs, one has to go down 450 steps in the valley and then again climb up 250 steps. Then you reach the Monastery. While returning one has to get down 250 steps first and then climb up 450 steps. Thereafter, one can come down only by foot as due to very steep/acute slope, horses are not used.

There are two interesting legends related to the ‘Tiger’s Nest. These are as under: i)

According to a legend related to this Taktsang (which in Tibetan language is spelled ‘Stag Tshang’), which literally means "Tigress lair", it is believed that ‘Guru Padmasambhava’ (Guru Rinpoche, founder of the ‘Meditation Cave’), flew to this location from Tibet on the back of a tigress from Khenpajong. This place was consecrated to tame the Tiger demon.

According to the legend, Guru Rinpoche

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flew to the site as the fiery ‘Dorje Drolo’, one of his eight manifestations, on the back of a tigress, a form assumed by his consort ‘Yeshe Tsogyal’ to subdue the local demon, ‘Singye Samdrup’. After that, he meditated in a cave for three months. It is said that when the monastery was first built, it was anchored to the cliff by the hairs of ‘Khandroma’ (female celestial beings). ii) An alternative legend holds that the monastery was built around the ‘Taktsang Senge Samdup’ Wall painting of Buddha Religion (‘Stag Tshang seng ge bsam none of us faced any health problem except grub’) cave, where custom holds that the tiredness after we came down. We travelled Indian ‘Guru Padmasambhava’ meditated total distance of 10 KMs. on foot. in the 8th century. He flew to this place from Tibet on the back of ‘Yeshe Tsogyal’ The weather was excellent as it was pretty cold a former wife of an emperor, whom he and fine sunny morning when we started. The transformed into a flying tigress for the surroundings were pleasant as the mountains purpose and landed at the cliff, which were full of greenery, the avenue was zig zag he "anointed" as the place for building a but at certain points it was dangerous due to monastery. He established Buddhism and steep ascent and slope. Each of us carried two the ‘Nyingmapa school of Mahayana sturdy sticks so we did not face any problem Buddhism’ in Bhutan, and has been while walking through the difficult hilly terrain considered the “protector saint of Bhutan”. in general and while descending in particular since due to steep slope there are chances It is said that the cave was first built in 8th of slipping down unnoticed. At many places century. In 1692 the temple was two storied on the mountains we find enormous flags of and now there are total nine temples. Through Buddha Religion, in different colours. Each the cliff a small waterfall is also flowing which flag was having five different colours which adds to the beauty of this place. We could see a indicated the five great elements. rainbow due to sunlight falling on the water fall.

These elements are known as Bhumi (Earth), Out of 14 tourists from our group, 8 persons Aap or Jala, (Water), Teja or Agni, (Fire), Vayu or went up to the end of the nest. Three persons Pavan (Wind) and Vyom, Shunya or Akash (Sky were under the age of 45, and 5 were between or Space or Zero). In Hindu religion (Vedas) we 60 and 70. I was the oldest among all, being call them as ‘Panch Mahabhuta’. On some of 70. We used horses for the first three KM the flags in Bhutanese language some mantras distance so as to conserve our energy. We took were written. We were experiencing very cool almost six and half hours for the entire to and but gentle breeze and all over there were lush fro journey as we climbed very steadily but green bushes and big tall trees and due to this confidently since we had made up our mind to beautiful surrounding we were experiencing a go till end. Fortunately, despite advanced age high level of spirituality within us which took us Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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to a very high level of purity/sacredness. This spiritual power energised and encouraged us to achieve our main objective of reaching to the destination.

Since we visited in winter season there were large number of foreign tourists. Obviously, the majority were from south east countries pursuing/following Buddha Religion.

Bhutan is having 7 lac population and as compared to India, it is a miniature country in all respects. Apart from the above description of our tour, the main objective of writing this article is to bring to the readers’ kind notice that during our short stay of 6 days in Bhutan, we could learn and experience so many good things from the people of Bhutan.

All the roads in Bhutan were found very clean and maintained in good condition, nowhere we could observe any litter or dirtiness. There are no signals on any of the roads including the capital. The drivers of the vehicles, be it two/four wheelers, carrying goods, were not sounding horns. If sounded, it was a very rare exception. All were observing self-discipline as even on main roads no traffic Police was seen. While crossing the roads one has to make use of zebra crossing only. This rule is observed very strictly otherwise heavy fine is imposed. Two-wheeler auto vehicles were seen rarely. In none of the cities we could observe cluster or gathering of people gossiping. All the day to day activities are being carried out smoothly and silently. People give importance to cleanliness everywhere. At each tourist place there were ‘paid rest rooms’, means you have to pay and use the wash room. All must make use of these paid rest rooms only. Even when we had been to ‘Tiger’s Nest’ our guide specifically advised us (rather warned) that after 3 Kms ride there is a restaurant where there are rest rooms.

We must make use of those rest rooms only as thereafter the rest rooms could be located only in the premises of the ‘Tiger’s Nest. So, we

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had to be very careful. He also told us not to throw any litter en-route the Tiger’s Nest as it is very difficult and very cumbersome to bring it down. The same rule applied to plastic bottles.

In Bhutan consumption of tobacco, smoking and use of plastic (with certain exceptions) have been banned completely. It is interesting to note that the people are following the rules religiously and found to be very particular about this.

In Bhutan medical service is limited but it is totally free. There is only one surgeon in the country and there are ‘Primary Health Centres’.

These centres are manned by Nurses who have undergone training in India. These Nurses treat the patients. The ratio of Male to Female is 1:5. Therefore in hotels, shops, restaurants, and at many such places including bars the girls or women are working. In the Hotels girls are lifting the luggage. After seeing this we felt very embarrassing but then the Guide told us that it is a common feature, so do not feel shy about this. The male and female have to wear their conventional dress compulsorily at their work places. ‘Gho’ is the name for male dress whereas ‘Kira’ is for female dress. The main currency is called ‘Nultrum’. The value of their currency is equivalent to Indian currency. So, our currency with same valuation is accepted there. In Bhutan casteism is totally absent. Even the King has to marry a ‘Bhutanese Girl’. The present King in Bhutan has donated his palace to the Parliament and he has been staying in a small bungalow. In almost all hotels, restaurants, shops, residences people are displaying the photos of the King and Queen or of the ‘Royal Family’. The people of Bhutan have great respect for their King/Royal Family.

When a baby is borne it is taken to their Monk (Priest) for blessings and he names the baby.

During our stay in the Hotel, on one day a ‘Cultural Programme’ of young Bhutanese boys and girls was organised. They exhibited their conventional dances wearing different kinds

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

traditional dresses/constumes and masks. They individually and in chorus sang some Bhutanese songs. While singing they made use of an instrument resembling ‘Santur’ in our country.

All the songs they sang were very sweet and nice and liked by all of us. All of us enjoyed this programme presented by them with dedication.

The people of Bhutan largely respect Indians. Normally, they will not hate or envy anybody. They are very polite, happy and always found satisfied with whatever they have, despite the fact that the country is very poor. They are ever ready to help others. With all these qualities possessed by them they always remain happy and contended. Therefore, this country is also known as ‘Country of Happy People’.

We are always on the forefront to imitate the developed nations. However, we should not feel shy to imbibe the above mentioned simple but highly rich values from developing nations like ‘Bhutan’ and ‘Shree Lanka’, our neighbours.

We returned to Pune via Delhi on 8th November 2018, after finishing our tour of 6 days. For our return journey we specifically asked for

right hand side seats of the plane. Luckily, all of us got. We were fortunate as the sky was very clear and we therefore could enjoy the bird’s eye view of the Himalayan Ranges almost for one and half hours. The pilot informed that we could see the famous peaks like Mount Everest, (8,848 Mts.) Kanchenjunga, (8,586 Mts.), Lhotse, (8,516 Mts.), Dhavalgiri, (8,167 Mts.), Manaslu, (8,163 Mts.), Annapurna, (8,091Mts.), Jomolhari, (7,326 Mts.), and Gaurishankar, (7,134 Mts.). Needless to mention politely that it was difficult for us to recognise any of these peaks.

Lastly, I could say that while returning from Bhutan, we brought with us sweet and unforgettable memories of the happy people of Bhutan. These sweet memories will keep us always happy and satisfied, of course, subject to observing their life long values in our day to day life.

Vilas Gandhe, General Secretary, SBIPA, (Mumbai Circle), Pune (Retd. Asstt. General Manager), M- 9371218775

*****

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Retirement Planning vs Post Retirement Investing Very often a question is asked “Does retirement mean only an attempt to meet expenses and manage cash outflow?” Traditionally, most senior citizens only aspire to have retirement plans that process to manage expenses and contingencies which is nothing but capital protection as the centrepiece of an investment plan. However, they should also aim to grow their money in the safest manner. Let’s look at how we can enable this opportunity.

Over the years age-based investing has become an efficient way for financial services companies to place investments options. We have a large base of Retirees & Pensioners as our Clients with a long standing banking relationships.

The foundation of our Wealth Proposition is our Asset Allocation Model which is pillared on matching Client Risk Rating (CRR) with Product Risk Rating (PRR). With the evolution of Wealth Management Business Unit we have realised a key distinction between Post Retirement Planning & Post- Retirement Investment. The average age profile of our clientele is 50-55+; but our Risk profiling tells us another story. Approximately 47% of our Clients fall in the Risk Profile of Aggressive to Very Aggressive.

We will first showcase Risk Profiling and the role it plays in Asset Allocation and then address the myths surrounding age-based investing.

Client Risk Profiling Risk profiling is at the core of Wealth Management business. Risk profiling helps to understand how much risk an individual investor can take in order to achieve certain financial goals. It also enables the Wealth Managers to better understand and further advice the Investor based on his/her financial requirements. Investor’s goals, time horizon, liquidity needs, and risk aversion, are the key elements assessed by a Wealth Manager while suggesting suitable investment options and/or building efficient long-term investment strategies for investors.

Risk Profiling is based on two pillars of Wealth Management i.e. “Risk & Return”. It is a method to determine the optimum level of risk an investor is willing to take after considering his/ her Risk Willingness (based on his/her Goal), Risk Appetite and Risk Tolerance.

Risk Willingness : A study of the Investors Financial Goals and the Time Horizon to achieve the desired returns in future

Client Risk Profiling

Risk Appetite: The degree of financial risk one can afford to take to achieve your goals. It is determined by the Investors current financial situation such as his/her earning stability, number of dependents, net-worth & cashflow situation.

Risk Tolerance: The degree of risk an investor is actually comfortable with.

This is a subjective & behavioural aspect of an investor and can be judged by historical track records and investment patterns.

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Asset Allocation Model of SBI Wealth is pillared on Client Risk Rating and Product Risk Rating Processes. At the time of On-Boarding a Wealth Client we conduct a Client Risk Rating (CRR) process, through our Risk Profiling Questionnaire. The questionnaire addresses 3 key areas namely, Financial Profiling, Investment Knowledge Profiling and Risk Profiling. On the basis of responses received, a risk profile score is generated. Client is then assigned a Risk Rating in-line with the Score generated.

Standard Process for Risk profiling Define Goal

Fill Out Risk Profile Questionnaire

Score Questionnaire

Determine Asset Allocation

Implementation

Similarly, we have assigned Product Risk Rating (PRR) for all Products we offer to our Clients. This rating is based on Risk Return Profile of the Product.

Asset Class/Category Liquid Funds Gold Large Cap Fund Midcap Fund Multicap Fund Portfolio Management Services Alternative Investment Funds

PRR 1 2 3 4 3 5 6

Asset Class/Category Banking & PSU Fund Corporate Bond Fund Dynamic Bond Fund Money Market Fund Credit Risk Fund Ultra Short Term Debt Fund

PRR 2 2 3 1 5 1

Curriculum Once we have assessed the Client Risk Rating, we present Clients with suitable Investment options that match his/her Risk Profile. For Example, a Client with a 3 Risk Rating i.e.

Moderate, can be referred products which falls in the PRR category up to 4 only. The thumb-rule for approval is, Products with Ratings 1+CRR will be auto-approved for Clients to initiate investment.

Our CRR-PRR model has checks in place and any mismatch in the same will be highlighted by our Risk Team.

PERMIT TRANSACTION

BLOCK TRANSACTION

Myths : Age-based Investing Traditional investment prudence suggests that age and risk appetite are inversely related. But the experience we have gathered has broken the myths of age based investing.

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Myth #1: Your age is a good indicator of your risk tolerance.

Age-based investing takes your age as a good proxy for your risk tolerance, and hence your portfolio can shift over time between equities, fixed-income and cash based on your age.

But we believe that beyond capital protection, there should be an opportunity to be relatively aggressive to grow one’s money.

in conservative cash and money market options a proxy to providing income flow for lifestyle maintenance and 2) the surplus – which should be invested as growth capital. Retirees can look for a conservative asset allocation for the former while looking for moderate to aggressive asset allocation for the excess capital to plan for inheritance, luxury, etc.

SBI WEALTH ASSET ALLOCATION MODEL

Myth #2: All individuals of the same age act in a similar way.

Like age think alike? Not necessarily. How you perceive risk outside of a market context may tell you a lot about how you will perceive risk in the markets Myth #3: Stick to risk free investment Products.

This is not true. Portfolio structure should be based on an investor’s risk tolerance and factor in three main considerations: risk willingness (based on his/her Goal), risk appetite and risk tolerance. Individuals have an innate risk tolerance, and their risk perception may change over time.

To conclude, we would like to draw a distinction between Retirement Planning as means to an end and Post – Retirement Investing. While the former is an accumulation plan, the latter is a capital growth plan. The asset allocation of each life-stage differs. The Retirement Corpus of a Retiree should be bifurcated into 1) Investment

We advise Retirees/Pensioners to remain cognizant of their Risk Profile Rating and ensure adherence to the same by all financial intermediaries while investing. Clients should review their Risk Rating at least once a year and proactively keep their Wealth Managers updated of any change in their Risk Rating on account of shift in goals or appetite.

SBI Wealth wishes you all a happy investing and happy times ahead!!!

Shri Giridhara Kini CGM Wealth Wealth Management Business Unit State Bank of India

*****

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Yeejer nes ie³ee Lee~`` ogKeer ceve mes keÀmletjyee keÀe yele&ve Gþevee ieebOeerpeer keÀes hemebo ve Dee³ee~ Jes Gvehej Yeæ[keÀ Gþs Deewj yeesues ``³en keÀuen cesjs Iej ceW veneR ®euesiee'' keÀmletjyee Yeer keÀneB ®eghe jnleer Jes Yeer Yeæ[keÀ GþeR Deewj yeesueer `` lees Dehevee Iej Deheves heeme jKees ceQ ³en ®eueer'' ieebOeerpeer Deeies efueKeles nQ `` ceQves Gme Deyeuee keÀe neLe hekeÀæ[e Deewj ojJeepes lekeÀ KeeR®e keÀj ues ie³ee~ ojJeepee DeeOee Keesuee ~ keÀmletjyeeF& keÀer DeeKeeW ceW iebiee pecegvee yen jner Leer Jen yeesueer legcnW lees Mejce veneR nw~ uesefkeÀve cegPes nw~ peje lees MejceeDees~ ceQ yeenj efvekeÀue keÀj keÀneB pee mekeÀleer ntB ? ceQ legcnejer helveer ntB, FmeefueS cegPes legcnejer [ebì HeÀìkeÀej megveveer heæ[sieer~ Deye MejceeDees Deewj ojJeepee yebo keÀjes~ keÀesF& osKesiee lees oes ceW mes SkeÀ keÀer Yeer MeesYee veneR jnsieer~`` ieebOeerpeer keÀnles nQ efkeÀ ``nceejs yeer®e Peieæ[s lees yengle ng³es, hej heefjCeece meoe MegYe ner jne nw~ helveer ves DeÓ§le menveMeefÊeÀ Üeje efJepe³e he´ehle keÀer nw~`` ieebOeerpeer Deewj keÀmletjyee kesÀ oebhel³e peerJeve hej Þeer jekesÀMe kegÀceej heeueerJeeue Deheveer hegmlekeÀ `` ieebOeer peerJeve Deewj efJe®eej ceW efueKeles nQ `` SkeÀ yeej ieebOeer ves mJeemLe ueeYe kesÀ efueS keÀmletjyee keÀes vecekeÀ Deewj oeue íesæ[ves keÀer meueen oer~ keÀmletjyee ves keÀne ³es oes ®eerpe lees Deehe Yeer vener íesæ[ mekeÀles~ ieebOeer ves leYeer oesveeW keÀes l³eeieves keÀe Je´le ues efue³ee~ keÀmletjyee keÀes ieebOeer keÀe l³eeie osKekeÀj yeæ[e DeHeÀmeesme ngDee~ Gvnesves ³en oesveeW ®eerpeW íesæ[ oer Deewj ieebOeer mes DevegjesOe efkeÀ³ee efkeÀ Jes Dehevee ye´le leesæ[ os uesefkeÀve ieebOeer Yeer Gleves ner ¢æ{ mebkeÀuheer Les Gvnesves DeepeerJeve ³en Je´le efveYee³ee~ yeeo kesÀ meeueeW ceW oesveeW SkeÀ otmejs kesÀ hetjkeÀ yeve ieS Les~`` cenelcee ieebOeer kesÀ SkeÀ Devev³e efce$e Les MebkeÀj Oecee&efOekeÀejer pees oeoe Oecee&efOekeÀejer kesÀ veece mes ner he´efme× ng³es~ GvekesÀ efhelee efye´efìMe ngketÀcele ceW pepe keÀer veewkeÀjer keÀjles Les hej oeoe ieebOeerpeer kesÀ efme×ebleeW kesÀ hekeÌkesÀ Deveg³ee³eer Les~ ieebOeerpeer keÀer DeveskeÀ ceev³eleeDeeW keÀer

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

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Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

ANNEXURE - I Rates of Dearness Relief Payable to Pensioners Who Retired A) Priort O1.11.1987 and B) Between 1.11.1987 and 31.10.1992 / 30.06.1993 Sr. Basic Pension + F. D.R. No. (as applicable)

Dearness Relief for the months August 2019 to January 2020 (Average Index – 7167) (Slabs – 1641)

i)

Upto Rs. 1250.00

1099.47% of aggregate of Basic Pension & F.D. R.

ii)

Rs. 1251.00 to Rs. 2000.00 Rs. 13,743.37 + 902.55% of aggregate of Basic Pension & F.D. R in excess of Rs. 1250.00.

iii)

Rs. 2001.00 to Rs. 2130.00 Rs 20,512.49 + 541.53% of aggregate of Basic Pension & F.D. R in excess of Rs. 2000.00.

iv)

Above Rs. 2130.00

Rs. 21,216.47 + 278.97% of aggregate of Basic Pension & F.D. R in excess of Rs. 2130.00.

Dearness Relief Payable To Pensioners Who Retired on or after 1.11.1992 / 1.7.1993 up to 31.10.1997 / 31.03.1998 Sr. Basic Pension No.

Dearness Relief for the months August 2019 to January 2020 (Average Index – 7167) (Slabs – 1504)

i)

Upto Rs. 2400.00

526.40% of Basic Pension.

ii)

Rs. 2401.00 to Rs.3850.00 Rs. 12,633.60 + 436.16% of Basic Pension in excess of Rs. 2400.00

iii)

Rs. 3851.00 to Rs.4100.00 Rs.18,957.92 + 255.68 % of Basic Pension in excess of Rs. 3850.00

iv)

Above Rs. 4100.00

Rs. 19,597.12 + 135.36 % of Basic Pension in excess of Rs. 4100.00

Dearness Relief payable to Pensioners Who Retired on or after 1.11.1997 / 1.4.1998 up to 31.10.2002 Sr. Basic Pension No.

Dearness Relief for the months August 2019 to January 2020 (Average Index – 7167) (Slabs – 1370)

i)

Upto Rs. 3550.00

328.80%

ii)

Rs. 3551.00 to Rs. 5650.00

Rs. 11,672.40 + 274.00% of Basic Pension in excess of Rs. 3550.00

iii)

Rs. 5651.00 to Rs. 6010.00

Rs. 17,426.40 + 164.40% of Basic Pension in excess of Rs. 5650.00

iv)

Above Rs. 6010.00

Rs. 18,018.24 + 82 .20% of Basic Pension in excess of Rs. 6010.00

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

49

Dearness Relief to Pensioners Who Retired on or after 1.11.2002 up to 31.10. 2007 Average Index (CPI) for quarter ended June 2019

7167

No. of Slabs

1219

Rate of dearness relief on pension for the months August 2019 to January 2020

219.42%

(ignore decimals from 3rd place onwards) Dearness Relieft Open Sioners Who Retired on or after 1.11.2007 up to 31.10.2012 Average Index (CPI) for quarter ended June 2019

7167

No. of Slabs

1082

Rate of dearness relief on pension for the months August 2019 to January 2020

162.30%

(ignore decimals from 3rd place onwards) Dearness Relieft Open Sioners Who Retired on or after 1.11.2012 Average Index (CPI) for quarter ended June 2019

7167

No. of Slabs

681

Rate of dearness relief on pension for the months August 2019 to January 2020

68.10%

(ignore decimals from 3 rd place onwards) ANNEXURE- II Dearness relief payable on family pension For the months august 2019 to january 2020 Dearness Relief for Family Pensioners who died or retired (a) before 1.11.1992 / 1.7.1993 (b) on or after 1.11 .1992 / 1.7.1993 but before 1.11.1997 / 1.4.1998 (c) on or after 1.11 .1997 / 1.4.1998 but before 01.11.2002 (d) on or after 1.11 .2002 but before 1.11.2007 and (e) on or after 1.11 .2007 but before 1.11.2012 (f) on or after 1.11. 2012 will be paid as per the tables given for the pensioners in Annexure I. 50

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

Bank Day Collage

1st July, 2019 Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

51

Bank Day Collage

1st July, 2019

The views expressed in this magazine are not necessarily those of the State Bank of India. It is not a priced publication.

Printed, published and edited by State Bank of India, Corporate Centre, PPG Dept., 16th Floor, Madam Cama Road, Mumbai - 400 021. Tel. No. : 022-2274 1663 and printed at WESTERN PRESS PRIVATE LIMITED 1st Floor, ‘B’ Wing, Todi Estate, Sun Mill Compound, Lower Parel, Mumbai - 400 013, Tel. : 022-4031 7777. Owner’s Name State Bank of India, PPG Dept., 16th Floor, Madam Cama Road, Mumbai - 400 021.