DR. NIMAIN CHARAN BISWAL

  THE SERIOUS FLAW IN BANKING OMBUDSMAN SCHEME OF RBI SHOULD BE RECTIFIED IMMEDIATELY IN THE INTEREST OF COMMON PEOPLE OF INDIA   The Reserve Bank of India (RBI), which is the India’s Central Bank as well as the Regulator for the Banks in India, has formulated the Banking Ombudsman Scheme, 2006 ( amended up to July 01, 2017 ) in exercise of the power conferred on it under the Section 35A of the Banking Regulation Act, 1949. The objective and purpose of the said Banking Ombudsman Scheme is to provide a grievance redressal mechanism and complaint resolution platform to the Common People ( Citizens ) of India who are Banking Customers/Consumers of the Banking Industry of India. The Banking Ombudsman Scheme of RBI has two tiers of Complaint Resolution Platform such as : a)    Banking Ombudsman – First Tier ( Base Tier ) of Complaint Resolution at RBI b)     Appellate Authority – Second Tier -who can hear an appeal against the Order of the Ban...

  FARMERS' NEED AS UNDERSTOOD  AND NOT-UNDERSTOOD It was seen suddenly, sometime back ( in India ), that a lot of people started speaking and a lot publishing about Farmers' Need. It was also seen, lot of people were also suddenly seen as branded experts to speak about what the farmers need, whereas it was also made out to be largely that farmers not-understood what they need. During last Green Revolution, farmers understood what they needed. Decades after that having flown in the time line of history, it was made out that farmers not-understood ( what they need ). In the process nobody has understood, how to convert the unfelt-need to felt-need and the failure ( fault line ) lies there. Efforts to make a capital out of something in the wrong way will not work, it is universal principle. Whoever tried to advise, in the right way, the right thing, not through press and media, were ignored. About the Author  : Dr. Nimain Charan  Biswal is a B.Sc.(Agri. Science and...

  YOGA IS MEANT FOR HEALTH AND WELLBEING OF THE SOCIETY (INTERNATIONAL DAY OF YOGA– THE JUNE 21)   At the outset, I intend to make it clear, that “Yoga” is not a religious or political activity as it is many times perceived or sometimes made out to look like that, it is a practice, it is an ancient Wisdom having its origin in India, it has scientific basis and it is meant for health and wellbeing of the human society. I am also clear I am not making a political statement in this, but I respect the International Day of Yoga - the June 21. By the call of the Indian Nation, the General Assembly of United Nations Organization ( UNO ) allowed inception of the “International Day of Yoga” in the year 2014. Thereafter, from the year 2015, the June 21 of every year is being celebrated as the “International Day of Yoga “ World wide. Although some times, Yoga is perceived as a Religious Activity by many, it is not a Religious Activity in reality. Even some perceive it t...

  Today is Father's Day ( 20th June ) ……….My father who is not in the world today, with his whatever education used to advise me : “ Learn from Cutting Grass to Riding a Horse” (  ଘାସ କଟା ଠାରୁ ଘୋଡା ଚଢା ଯାଏ ଶିଖ   ). I have tried in my life time to follow his advice and learnt as many things I could. Many times people do not believe, ridicule it and be jealous of it as well. But a human being is capable of many things and a human brain is superior to a super computer, it depends on how both are put to use. Understanding a human’s capability and power is not easy and needs inclination, otherwise without efforts to know human “Wisdom” will look as if illusion and there will be no cure for such illusion. Remembering and paying tribute to my father on the “Father’s Day“. [  P.S. - There is a small line above is Odia, that is what exactly my father used to say in Odia (my mother tongue). Apologies to those who do not read Odia. ] About the Author  : Dr. Nim...

  RAINING IN THE SEA AND GIVING DONATION TO NON-DESERVING HAS NO VALUE The universal principle of nature says it rains where there is need for water and that is what supposed to happen. Raining over the Sea where there is no dearth of water has no value. Similarly if some donation has to be given, it should be given to the deserving and to those who need it the most. Giving donation to the non-deserving and who does not really need it of no use and it has no value. Both these principles have also been documented very well in Indian mythology and ancient literature that I am describing with a Sanskrit “Sloka” here below. Lord Krishna was the Great Adviser to the Pandava-Arjun, the Great Warrior ( as described in Mahabharat, though it is a Scripture and Epic of Hindu Religion, however, it is considered as one of the most Celebrated Epics and War Story in the Secular World as well ). Once the Pandava-Arjun asked Lord Krishna for his advice, as to where the principle of Cha...

THE  FEEL AND MEANING OF SEALING SOMEONE’S  MOUTH AND ADDRESSING IN ANY LANGUAGE ( A MUTED PERSON’S REAL LIFE AGONY )   Sir Isaac Newton when wrote what is called “Newton’s 3 rd Law”, which precisely says “Every Action has an Equal and Opposite Reaction”, possibly could not think at that time that something may come in between so that this universal law may fail to operate  ( may be artificially withheld ) some times . It is a fact that, when Newton wrote his 3rd law, at that time, information technology was not so developed as it is today; and the extensive social media platforms did not exist then.   Therefore, he could not think about any intervening factor that may come in between and block the “Equal and Opposite Reaction” to “Every Action”.   That is where the Principle of Fair and Equity comes into play. Unfortunately, in the present day’s social media communication platforms it is a pity, that the Newton’s 3 rd Law can be in-operative by...

THE MENACE OF BLOCKING AND MUTING  IN SOCIAL MEDIA PLATFORMS  The biggest nuisance in Social Medial Platforms today is the Hooliganism of Blocking and Muting by the Administrators. The Democratic Principles and Freedom of Speech of the Members of Social Media Groups are being attacked by vested interests. Some persons having vested interests and nexus acquire Administrator/Moderator rights in the social media groups and use that administrator rights to terrorize the members of blocking and muting.  The Administrators of Vested Interests create a group of hooligans around them to exploit the situation and realize the best returns for their vested interests. Those Administrators also create a group of their supporters by placating them by lure of various means. Those hooligans thus created by the Administrators of vested interest try to attack and intimidate the Upright and Honest members who genuinely and diligently raise voice against exploitation of the situation by th...

  ELECTRIC VEHICLE(EV) CHARGING STATIONS ARE GOING TO HOLD  THE  KEYS OF THE EV  REVOLUTION   Electric Vehicles (EVs) of all kinds are going to be the new generation masters of Automobile Industry World wide may be within a few years from now. Every major Automobile maker is working on EVs; some have already opened up their cards, and have even introduced products in the market, primarily in USA, UK, Europe or Japan those are always considered to be the preferred “first mover markets”. The big Chinese or Indian automobile markets are not too much behind however, there is a long way to go for the world with the EV Revolution. The World is looking forward to the flock of the Electric Vehicles (EVs) with the following major advantages over all other types of automobiles that have been in the market for ages: 1.     Reducing Pollution out of Automobile Emissions and Sparing the Environment. 2.      Reducing dependence on Hydrocarbo...