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Wednesday, 23 November 2016

Simple and Easy Idea that can change the Economy of India

SIMPLE AND EASY IDEA THAT CAN CHANGE THE ECONOMY OF OUR COUNTRY

I have written an letter to our Hon'ble Prime Minister regarding an idea that can change the economy of our Country.


Respected Honorable Prime Minister Sir,

Myself Abdul Hakeem and I am a resident of Karnataka, Kalaburagi, India. I had completed my Bachelor degree in Computer Science and currently I am working in Pvt. Sector.

Sir, I am very much happy with your ideas and with your work for this country and I welcome for your good step for demonetization of 500 and 1000 rupees currency. As per my view with this step more than 50% of the corruption and black money will definitely get stopped which will help in rising economy of our country.

Sir, the purpose of writing a letter is that, I have got an Idea with which one can easily stop black money, corruption 100% without any difficulty and can keep record of 0.001 paisa transaction also.

What is my Idea?


My Idea is that the Government has to demonetize all small and big currency including coins and take this country to online transaction.

Your idea is also the same but as per new rules and regulation every person has to transact by using online or through credit / debit card or cheque, it is very difficult to make the habbit to the people to come under this category since many of the transaction of our daily use is done only by 10, 50, 100, 500 and 1000 notes including coins which results in black money and corruption etc.,

Your idea is superb for big transaction more than 1000 but it is not good for small vendors / shops.

As per your idea, for making this effect banks has to install swipe card machines in all shops, vegetable shop, auto, rishkaw and all small scale vendors / business etc which is not possible at all since it requires internet connection also etc., and also too much expenditure for adopting this all over the country.

What is the solution for this?

The solution is we have to start mobile banking system all over the Country.

What is mobile banking system?

Mobile banking system is the same as we do transaction through mobile either by placing call, sending sms, transferring balance from one mobile number to another mobile number etc.,

How it works? And what is required for working?

As you know that majority of our population is using mobile and network for placing calls and sending sms why not from mobile itself we can do all type of transaction.

Yes its true it is possible. And for this one should just has a common mobile phone like GSM / CDMA and not a smart phone and neither internet connection required.

How to make this possible?

For making this possible one should have a valid bank account (Now every one is having), another thing is a network provider like (BSNL, Airtel, Vodafone, reliance etc.,) this also majority of citizens are having and that’s all.

How it works?

The working is simple and easy to use. For eg:) We have to link our mobile number with our existing bank account by sending a simple message for linking (like we do linking for gas connection etc.).

Before this we have to change type of account with our bank as Savings account for common people and commercial account for small business like tea stalls, vegetable shops, auto drivers, taxi etc., or other business vendors which are operating in our country for their daily business and work / earning.

After that banks have to generate an easy ID number from our existing account like our mobile numbers with a maximum of 10 digits for easy use.

What changes does Banks has to do in their software?

All banks should have one common ID like?

State bank of India should have ID like 123

State bank of Hyderabad should have ID like 124

Likewise all banks should have separate ID’s.

How to do transactions through mobile banking?

Doing any transaction with mobile banking is easy and simple to use.

For example:

One has to just dial *123*987654321*20*777# for sending money and *123*2*123456789*20# for receiving money (the model is same as we transfer mobile balance from one mobile to another mobile).

What this above numbers contains?

*123* is our Bank ID (Eg. SBI bank)

*987654321* is sender account number (which is allotted by Bank)

*123456789* is receiver account number (which is allotted by Bank) and

*20* is the amount which is getting transferred

*777# is our pin number

For example if a person is purchasing a milk or any product in a small retail shop then:

A purchaser just has to dial *123*987654321*20*777# for sending money and

A Shop owner has to dial *123*2*123456789*20# for receiving money as a receipt proof.

What about small children, disables persons, old people and beggars those who are not having Bank account and cannot operate mobile for transaction?

For them we have to issue vouchers for a denomination of Rs. 1, 2, 5, 10, 20, 50, 100 this are same as coins and currency but this will be issued from the banks like cheque books from a person bank account who wish to keep vouchers and do transaction through vouchers.

How to use this vouchers?

For example, a small children/ beggar/ disables persons / old people want to purchase a milk or chocolate or something which they want.

They have to get a voucher from their Father / Son/ Guardian (which is issued by the bank through their Father/Son/Guardian account like bank issue cheque books) then they just have to give this voucher to a shop owner and get want they want like milk or chocolate etc.,.

How voucher looks like or what should does a voucher have?

A voucher should have the following things?

a. Display amount of voucher eg. 1, 2, 5, 10, 15, 20, 50 or 100

b. Bank Id on the voucher eg. If SBI (123), if SBH (124) like wise etc.,

c. One small number / pin number hidden (like in scratch card)




What shop keeper or shop owner do with this voucher?

They have to just type *123*1*987654*2#

What this above numbers contains?

*123* is the bank ID

*1* is the key that they want to transact from voucher (eg. *2* for accepting payment)

*987654* is the pin or number mentioned in the voucher after scratch etc.,

*2# is the amount of the voucher (eg. *5# for Five rupees etc.,)

By doing this or just typing some number which can be easily done by any common person they can transfer money from voucher to Bank account.

What if I lost my mobile phone?

If somebody lost his mobile phone then there is no chance of misuse since all transactions will done by using Pin numbers only, without pin number no one can misuse his mobile banking system. And he can easily change his Mobile number and pin by taking his credit card to ATM or by going to respective Bank.

What should be the limit for the mobile banking system?

Since, an average person use denomination upto 1000 for their daily use so either we can restrict this for Rs. 1000/- as daily limit or 5000. For the transaction above 5000 one can use swipe card or debit card and transactions above 50,000 one can use cheques.

This is the idea which I got which is very simple and easy to use and by adopting this the Government or income tax officials can monitor or keep record of 0.001 paisa transaction and there is a chance for stopping black money, corruption etc., completely from our country and can make this country free from corruption and Blackmoney and also can raise the economy of our country and can give benefits to the poor peoples in terms of providing education, houses, food and other benefits etc.

Share this message as much as you can so that Govt. can adopt this in our country. For more details you can contact me at rightsuportforme at gmail.com

Jai Hind!!!




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Saturday, 13 June 2015

Assam Gramin Vikash Bank Officer & Office Assistant Recruitment 2015

Assam Gramin Vikash Bank Officer & Office Assistant Recruitment 2015



Assam Gramin Vikash Bank (AGVB), Guwahati (Assam) invites Online Applications for filling up of Officers and Office Assistant post from those candidates who have held qualified under IBPS RRBs CWE-III September / October 2014 Exam.

The recruitment made for the post of Officer in Middle Management Grade (Scale II), Officer in Junior Management (Scale I) Cadre and Office Assistant (Multipurpose). 

Important dates to be remembered :

Start date of Online application - 11th June 2015 

Closing date of Online application - 25th June 2015.

The following are the details about name of the posts and number of posts allotted by the Assam Gramin Vikash Bank for the posts:

Officer Scale-II (IT) – 02 posts

Officer Scale-II (CA) – 03 posts

Officer Scale-II (Law) - 01 post

Officer Scale-II (Treasury Manager) – 01 post

Officer Scale-II (Agricultural Officer) – 02 posts

Officer Scale-I – 46 posts

Office Assistant (Multipurpose) - 45 posts

Pay scale:

The pay scale allotted by the Assam Gramin Vikash Bank for the officer Scale I, II and office assistant post is as follows:

Officer Scale II - Rs. 19400 - 40,875.80 per month

Officer Scale I - Rs. 14500 - 30,551.50 per month

Office Assistant (Multipurpose) – Rs. 8000- 19300 per month

The selection pattern followed by the Assam Vikash Gramin Bank is as follows :-

1. Written Exam

2. Interview

3. Merit

The syllabus pattern followed by the Assam Vikash Gramin Bank for the written exam is comprises with the following topics :

1. Banking Awareness

2. English Language

3. Marketing Aptitude

4. Quantitative Aptitude

5. Logical Reasoning

Probation Period: 

Selected candidates will have to undergo for the Probationary period which is as follows :

Officer Posts - 02 Years; 

Office Assistant (Multipurpose) - 01 Year.

Eligibility Criteria: 

The minimum eligibility criteria to be considered as per RRBs CWE-III.

Language Proficiency: 

Candidates applying for the posts of Officer Scale I, II and Office Assistant (Multipurpose) are required to possess proficiency in the local language of the State / Union Territory.

IBPS TWS Minimum Cut-off Score:

The category wise cut off score provided by the Bank is as follows :

Name of the post – Officers / Office Assistant

Cutoff Score:

For SC/ST/SC-PWD / ST-PWD candidates - 70 & above

For OBC/ GEN/ OBC-PWD/ GEN-PWD candidates – 80 & above

How To Apply: 

Interested candidates who wish to apply for the above cited post can apply online by visiting to the Assam Gramin Vikas Bank official website i.e. www.agvbank.co.in on or before 25/06/2015. 

The last date for applying to the Officer and Office Assistant post in Assam Gramin Vikash Bank is 25th June 2015.

For more details like important dates, age limit, educational qualification, experience, pay scale etc., can visit Assam Gramin Vikash Bank official recruitment page.
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Tuesday, 2 June 2015

Choosing the Appropriate Filler complete solved syllabus with study materials

Choosing the Appropriate Filler complete solved syllabus with study materials


Hy, this is Sanju from Maharashtra have completed SSLC and have applied to the competitive examination which is to be held this month for practice i am in need of the complete solved syllabus alongwith study materials of Choosing the Appropriate Filler topic can you please provide.

In this article you will find the complete solved syllabus alongwith study materials pertaining to the topic choosing the appropriate filler section which is a part of the General English section is produced below for your practice and preparations.




Hope this above information is most useful to you.

All the best.
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Passage Completion complete solved syllabus with study materials

Passage Completion complete solved syllabus with study materials


In this article you will find the complete solved syllabus alongwith study materials pertaining to the Passage Completion section of the Banking sector competitive examination which you can refer for your better time management of your competitive examination.




Hope this above information is most useful to you.

All the best.
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ICICI Bank PO Recruitment 2015 - ICICI Bank PO Appication Online.

ICICI Bank PO Recruitment 2015 - ICICI Bank PO Appication Online.


ICICI Bank is one of the leading bank of India had issued notification for recruiting candidates for the post of Probationary Officer in ICICI Bank through Training Programme vacancies in the Batch of November 2015 & February 2016 Batch. 

The minimum eligibility criteria requires for applying to the PO post in ICICI Bank is as follows:

Citizenship: A candidate must be a Citizen of India

Age Limit : Age of the candidate must be 25 years as on 30/06/2015 (Should have born on or after 30th June 1990).

Educational Qualification: Must possess Graduation with a minimum of 55% Aggregate marks in any discipline from a recognized university which comes under UGC.

Eligible candidates may apply online on or before 30-06-2015. 

How to apply online for the ICICI PO post :

To apply online for the ICICI PO post you have to visit www.icicicareers.com on or before 30-06-2015.

For more details please visit the official notification of ICICI Bank:
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Grammar Usage complete solved syllabus with study materials

Grammar Usage complete solved syllabus with study materials


Sir, I am in need of Complete solved syllabus alongwith study materials pertaining to the Grammar Usage topic of General English section of the competitive examination.

Dear Aspirant,

As cited above you are in need of Grammar Usage topic complete solved syllabus with study materials for your competitive examination preparations then for your information in this article i am herewith providing you the complete set of solved study materials of Grammar Usage.




Hope this above information is most useful to you in your competitive examination preparations.

All the best.
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Vocabulary Usage complete solved syllabus with study materials

Vocabulary Usage complete solved syllabus with study materials


Hy, i am Sharanu from Vishakapatnam, have completed PUC science and have applied to the Competitive examination for my exam preparations i am in need of Vocabulary usage topic complete solved syllabus with study materials i will be thankful to you if provided.

Dear Mr. Sharanu,

In this article of the banking sector competitive examination you will find the complete solved syllabus alongwith study materials pertaining to the Vocabulary usage section of the competitive examination which you can practice for your upcoming examination.




Hope this above information regarding complete solved syllabus alongwith study materials of Vocabulary usage section is most useful to you.

All the best.
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Theme Detection section - General English topic complete solved syllabus with study materials

Theme Detection section - General English topic complete solved syllabus with study materials


Sir i am in need of Theme Detection section complete solved syllabus with study materials for my exam preparations kindly please provide.

In this article you will find the complete solved syllabus with study materials pertaining to the Theme Detection section of General English topic which is a part of the competitive examination.




Hope this above information regarding Theme Detection section of the General English topic is most useful to you in your exam preparations.

All the best.
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Deriving Conclusions from Passage - General English topic complete solved syllabus with study materials

Deriving Conclusions from Passage - General English topic complete solved syllabus with study materials


Hy, this is Nidhi Chauhan from Mumbai, Maharashtra have completed Graduation and applied to the competitive examination which is to be held this month for exam preparations i am in need of complete solved syllabus with study materials, kindly please provide.

Dear Aspirant,

As cited above that you have completed Graduation and have applied to the competitive examination which is to be held this month for preparations you are in need of Deriving Conclusions from Passage study materials, for your kind practice and preparations below is produced.




Hope this above information is most useful to you.

All the best.
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Comprehension II (Brief Passage) topic of General English section complete solved syllabus with study materials.

Comprehension II (Brief Passage) topic of General English section complete solved syllabus with study materials.


Sir, this is Vinod Sharma from Maharashtra have applied to the competitive examination for preparations i am in need of Comprehension II (Brief Passage) topic complete solved syllabus with study materials, kindly please provide.

Dear Aspirant,

As cited above that you are in need of Brief Passage complete solved syllabus alongwith study materials for your exam preparations then for your information Brief Passage is one of the interesting topic considered for the competitive examination the below is the extract of Brief Passage topic for your exam preparations.




Hope this above information regarding Brief Passage topic is most useful to you.

All the best.
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