Cricket is a gentleman’s game, the lights of Garfield Sobers, Gavaskar,  Clive Llyod,  Sir Don Bradman, Sachin , Brain Charles Lara clearly make this adage true. For India Cricket is more than just a game, I will call a religion that has no caste associated with it. Folks around the globe, follow the game with same passion. Well there have been controversies for this game, giving it a black star, nevertheless still cricket is in hearts of million of people.

The spirit of any game is put down when we try to destroy its integrity. Stars like Cronje, Azzarudin will always be remembered for what they did. Still the spec of corruption is present in the game, and for the matter of fact it will remain, when there is a huge following there are chances people to do some acts that are not accepted.

A new turnaround took place when India launched IPL- t20 for the first time, a new dimension to the sports was added, giving the chance to domestic players and international player to play at the same platform. The plan was perfect as the domestic players will grow in confidence and improve the standard of game. Skills apart, the concept will generate revenue, many domestic player who end up playing Ranji and walking away bare handed will now have lofty bank balance.

Corruption has its own strange ways to peep in to the system, speculation were made for the bidding of teams, that some under table transaction are going, but no proofs, until the kochi owner rendezvous sports declared what stunned the whole cricket community.

The owner were bullied by the minister to walk away from the bidding podium with a bribe of $50 million. Clearly if the IPL- committee can offer this huge chunk of money, we can expect what it would be getting in return.

Well I know this is just a news that will route every television, ear, news paper for a day, a week or may be a month, we Indians have very poor memory and soon we will be watching the IPL matches with a mug of beer of pop-corn in our hand. What is sad that level of corruption has creep-ed  in so depth that nothing can escape from it, even the game like cricket, which is the next religion for the country.

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when I say Dyhanchand, the pictures that comes in my mind is of a legendary Hockey player, who could defeat an army of hundred with the swing of his stick. A game that is a pride for our nation India. All these years we have been looking on this game as a game for loosers as India is not able to make a mark on the world. Plethora reasons are there, good coach, lack of fund etc. etc. But what when Dhyanchand was playing, India was not rich as it is now. The problem is not with any of the resons mentioned above. The problem is in the attitude of the country men.

Since every thing is bussiness today, every one is making a wise move to gain on his/her investment, and this being the case Indian Hockey is suffering a serious set back when it comes to sponsership. The on going IPL has no PSU sponsership where the Hockey world cup had just  SAIL as a major sponser. The IPL every year watches huge sum of mone being transfered from one part of the country to another. Atleast the Indian government can channelize a part of this money to promote Hockey, afterall there is something called tax in India. The irony is for promoting Hockey Indian cricket star Shewag came, the sad part is he did’nt show up for a single match, this tells how proffessional these players are. The stats shows that in cricket India won the worlcup once and so in hockey, there is no reason to say that country has performed well in crikcet in terms of world cup, infact 2009 world cup India failed ot reach the super six also.The only reason cricket is so popular is, because the game format is different, Hockey tournaments are not as frequent. The domestic hockey league started was considered to be a good sign for promoting the game.

What came good out of this year’s Hockey world cup was the interest Indian crowd showed for the game. Although India eventually thrown of the race but still I was happy to see that stadium count was healthy even the supporters knew India had no chance. May be this a change India is showing, but if we keep this fire alive I feel no reason that one day Hockey will regain its pinnacle where it was once. After all in a country of millions if we can produce Sachin, there is good chance we can find once again Dhyanchand.

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“In a world where powers are determined by the share of the world’s knowledge, reflected by patents, paper and so on… it is important for India to put all her acts together to become a continuous innovator and creator of science and technology intensive product”. This what technology icon of India Mr. A.P.J. Abdul Kalam said in his one of his conference, the message is clear, in coming era country with high end technological powers is going to cash her resources and would be the front runner. What Mr. Kalam said is India needs more of talented folks who can deliver excellent research work not only in science and technology but also in every sphere of our lives, be it social science, politics. India desperately requires a strong R&D platform where she could create a launching pad for the new technologies.
All this is blue print, by looking at this India could think of becomming a new super power in times to come or atleast be at power with many advance countries. This is where India lacks the most, the ability to transform words into action. Without a sheer effort of converting these ideas into action these thoughts would remain as a blue print. It’s not that India is a lazy jack, primarily it’s because we dont have proper resources and funding for this to happen, and with our traditional pedagogic ways of teaching this seems to be an impossible job.
Before I begin my thought process, once I was going to a song of Pink FLoyd, one line that made a lasting impression in my mind was “after all we are just another brick in the wall”, seems strange! that what a rock star has to do with this piece of blog. But this is how co-relate thing in life. With the present education system it is evident that dream of Mr.Kalam would remain a dream. For Mr.Kalam’s vision to take birth, our young folks should have an open panorma, where thought flourish not any mathematical formula or physics laws. This where we start a weak foundation. India fails at the very first step of becoming a tech guru. Education is a key to remove all the orthodox and baseless rituals we follow, but the task becomes tough when its own rituals are so oppressive and ossified.

Book Worm

Schools are similar to a theater where the actors like Principal, teachers are mere a script reader, like a theater actor is required to speak what’s written in the script so as our teachers and pricnipal. They have an hard coded program by which they execute their daily task. What I mean is that, the prime concern is to get the overall marks count for the school to get high. Teachers are least bothered about the thought process of the students, what matters to them is they follow the school policy and deliver good scores. At a some stage students too feel that only way to excel is to become book worm, loosing their creativity. A mid set up of getting an admission to a good college they need to have a healthy count of marks, they tend forget the real goal of this education, for which Mr.Kalam was talking about. After all it’s the Indian education system requirement that molds the student in this way.Teacher give a limited chunk of time to a specific topic, for them it is immaterial wether the student understood the concept. If they understood its good, if not its excellent. Keeping this in mind now the board exams have been made optional. The idea is again good, that now since student don’t have any phobia of exams they can concentrate on the fundamentals rather than cramming the formula, teacher also could spend more time on each topic. The policy makers did their part of act, it’s now up to the school actors to execute the script.

Dying Innovation

Coming to the next stage of Studentship, i.e graduation or postgraduation. In a report it is said that India would be at same technology level like any other developed country and by the end of 2015 or 2020 she would overtale them all. Many would appreciate such kind of speculation, but on real ground this is herculious task. I don’t say that what is being said is incorrect but the facts sings a different melody. Nearly 4,00,000 software geeks turn up every year out of that 3,00,000 are software buddies, major chunk of this goes for job, neglecting the research studies, nearly 20,000 goes for Post graduate and 1000 pursue Phd’s. The problem is mass pool of talented techie filter out at the level of graduation. The reason is also acceptable, India spends about $27 million on R&D where as US spends $368 and China nearly $104. With such small amount the graduate don’t show interest in pursuing postgraduate studies. A survey brings a more clear picture, there is about 156 research population per million, where as the count for US is 4,700 research scholors population per million.
what we dream of, today is just a dream and will remain dream till we take some rigrous steps. To get a cut throat edge in technology we need to have a collective efforts of school artist and college scripts writer. Its high time for us to stop adding bricks to the wall rather we need to start pile up the stones to build our wall a little stronger and larger.

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It takes hell lot of pane, when some one you love is pricked by a doctor or even a nurse. My family serving the cause of such people now for over a quarter of a century and I know what status a doctor enjoys. In India a doctor is the most respected person, may be next to god and some time at power with god. With the magic of medicine he can give a new hope to any one. Can wipe the tear of a crying mother, can lighten hope of life in a dead heart. Yes that’s why we call medical service is the best hospitality doctors can offer.

The gloomy part of the story is that there are some, who are predators in form of protectors. I dont say that some have turned cannibal, rather worse than that. With medical sciences touching new heights, so the cost of enjoying them and with hbig hospital adding the flavour of monetary gain, its the common man who pays the ultimate price. Its hard for us to understand the medical terms, so these hospital count on these sophisticated words and pour the money out of us.

A recent incident with one of my friend had such a bad experience. With little drenched he had fever, then late night shivering finally after a day he got admitted to a hospital ( SAGAR APOLLO HOSPITAL – BANGALORE) , few hours later we came to know that he has symptoms of MALARIA, two days he was tested negative for malarial, but then he was then given a new symptom of SWINE FLU. During all his stay he has been given around 30-40 shots of medicine, countless number of pills. Now the conclusion is that they have diagnosed him not properly so may be they will interrogate his body for another two or three days. During all these days they gone charge him for all the hospitality they have given to him.

We always talk about consumer forum, to claim if we have a some defected product, what about these hospitality services where have nothing tangible. Nothing to claim, and that too keeping the one of the most valuable thing on stake that is LIFE. With these highly  qualified doctors with tons of experience, its hard to say that they have no knowledge of medical sciences, guess then its all about fool the innocent patient and squeeze money out of him/her.

I know this piece of text won’t make any changes to any one, but atleast I feel satisfied of getting out my anger. Hope you do the same.

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Just bought some cookies from Cafe Coffee Day shop, as we thought of enjoying some real taste. The cookies were awesome, suddenly one comment from one of my friend compelled to write this blog, the comment was how come different CCD end up in making the cookie of same quality and taste around the globe. Although many answered it in an informal way, but a deep thought would make you realise worth spending time on this article.

The reason is straight forward they all follow a standard process, not going in technical definition of the term, a process is something that defines a set rule to acomplish some task, thanks to my company (Accenture) that tought me the importance of the term PROCESS. With just over 40K employees all over India the firm is known for delivering high performance and myself being a part of this, know how to do it. The reason is simple, they all follow a standard process. Be it America, Europe, Asian Sub Continent all produce the product of same quality, even with same defects ( Normally they don’t do mistakes).

India on a whole could be considered as firm that produces services for us, also for the world like any other MNC does, so why not apply the same PARADIGM to our country in order to increase her performance. The very fear of loosing your job makes you work hard to hold on to that job, this is what all the big corporates count on, the moment Indian machinery does that India will soon be delivering high performance.

The country produces people who are respected for their hard & smart work, also the smae country prodeuces people who hate working. The reason is same, the difference in attitude. Indian machinery is one of the biggest and complex in its working which requires a some standard process to measure its performance. If MNC’s all around the globe can deliver the same product with same quality, then why not country like India with different regional divisions cannot think of maintaing the same pace of development across different states.

Well there could be many guidelines to achieve this goal, it may include promotion on the basis of performance not on the basis of seniority, monetary advantage to those who work with dedication, etc…. The policy makers would be in a better position to define all these guidelines.

I don’t say that Indian machinery is all dead, the making of Mumbai bridge, the Delhi metro are some of the biggest example that shows India has the capability to deliver high performance, just we need to oil it a little bit

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New Delhi, Sep. 3 : ThePrime Minister Office has confirmed the death of Andhra Pradesh Chief Minister Y. S. Rajshekhera Reddy and four others after their Bell 430 chopper crash-landed about 40 nautical miles east of the Kurnool mountainous area.

Congress sources said that they had received reports of five bodies being discovered at the crash site, and added that an official confirmation would be forthcoming in short while. Among the dead are Reddy, his principal secretary, his personal security officer and two pilots.

This was the biggest ever search operation.

Earlier, Union Home Secretary G. K. Pillai said the chopper was in a very damaged state.

The Home Ministry had ordered paratroopers to immediately airdrop themselves at the location to determine the exact physical status of Reddy and the four others.

The State Government is due to address a press conference in a short while after confirm news of his death.

The Congress party is reported to be in a state of shock and the Union Cabinet is meeting to discuss the next steps. (ANI)

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BMW India, the wholly-owned subsidiary of the BMW Group.BMW India has its assembly plant in Chennai with a production capacity of 3,000 units per annum. It produces 3-Series and 5-Series cars from the plant and would also launch a new petrol variant of its 7-Series cars with a six cylinder engine in September, since BMW group desires a good hold in Indian market so they are not taking any chances at all.

Today on September 2, 2009 in Delhi German Luxury car maker BMW Group has revealed its plan to start its financial services business in India by June 2010 to offer financing for its cars and sport-utility vehicles. The group is planning to move to The Reserve bank of India for the license to operate as a non banking financial company in India.

Under the proposed plan, the group will introduce BMW Financial Services India as a new business entity. One more reason behind this was that the company is going to launch two new products in India this year as it is targeting to cross 3,000-units mark in sales for the first time in the country.

The new company is expected to be fully operational by the mid of 2010. The company will operate as a Non-Banking Finance Company(NBFC) in domestic market to offer solutions for Retail automobile financing for BMW customers.

BMW Financial Services was established in 1993 and presently has subsidiaries in 31 countries besides India. The company is active in more than 60 countries worldwide.

Last year company sold 2,908 units and expecting to cross 3,000 units this year. Certainly this financial service will boost up it’s selling.

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GDP is nation’s broadest quantitative measurement which is done regarding  countries economic analysis. Soon after releasing the GDP growth data at 6.1 per cent many news channel has started discussion on this topic. Some of my friend asked me, What exactly the GDP mean? What role it plays in a country’s economy and how is it calculated? So….

What exactly the GDP mean?

Gross Domestic Product(GDP), sometimes known as Gross Domestic Income(GDI) is a basic measure of a country’s economic performance and is the market value of all final goods and services made within the borders of a nation in a year. GDP shows the total market value of all final goods and services produced in a country in a given year which is equal to total consumer, investment and government spending, plus the value of exports, minus the value of imports.

The GDP report also includes inflation data many times but sometime inflation is calculated separately. GDP report is released quarterly and compared to previous quarter of the same quarter in the previous fiscal year.

What role it plays in country’s economy?

The gross domestic product (GDP) is one the primary indicator which is used to monitor the health of a country’s economy. It represents the total value of all goods and services produced over a specific time period, one can think it as the size of the economy. Usually, GDP is expressed as a comparison to the previous quarter or year. For example, if the year-to-year GDP is up 3%, this is thought to mean that the economy has grown by 3% over the last fiscal year.

As one can imagine how economic production and growth which represents GDP can make impact on everyone bounded by that particular economy. A poor GDP data clearly shows the country’s unemployment, lower profit for companies which in turns means lower stock prices. One thing is clear either GDP ups or downs it directly affects the share market.

By this data economist calculate whether the economy is in recession. Investors are badly affected by negative GDP growth. So simply, GDP growth shows the economic growth or that country.

How it is calculated?

Measuring GDP could be tough task that’s why this is the job for the economist only.But a basic idea may be the calculation of the earning of everyone or the calculation of the total expenditure of everyone in a particular time period either quarterly or yearly.

The most common approach to measuring and quantifying GDP is the expenditure method:

GDP = private consumption(or consumer expenditure) + gross investment + government expenditure + (gross exports ?gross imports), or,
GDP = C + I + G + (X ? M).

If one has to compare GDP growth between 2007 vs 2008 then one can use:

One can calculate same for quarterly.

Sources: http://www.wikipedia.org/, http://timesofindia.indiatimes.com/,http://investopedia.com/

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Despite of global financial slowdown, India puts an increase in GDP by 6.1 per cent during Q1(April-June 2009) in current fiscal. In the previous quarter it was 5.8%, shows an increase of 0.3%. In Q1 of the last fiscal year, the GDP(Gross Domestic Product) was noticed 7.8% which was much higher than now.

According to the sources, mining and electricity in industrial sector, and financing among services sector posted higher growth in the first quarter of this fiscal against the previous. However, infrastructure development and community services have not register a growth against last fiscal.

The main decline was in the growth of hotels, trade, transport and communication which was significantly lower at 8.1 percent against 13 percent in the last fiscal, sources said.

On Saturday, speaking in a function of the Federation of Indian Chambers of Commerce and Industry (FICCI) in Bangalore, Planning Commission Deputy Chairman, Montek Singh Ahluwalia said drought situation might affect in achieving seven percent growth this year.

"Seven percent growth rate this year is unlikely. People are talking about six and six-and-a-half percent growth, which we agree and I think is reasonable,"Ahluwalia said.

Mr. Ahluwalia told to press that this sustaining growth would be considered as sign of  recovery in slowdown but worried on draught situation.

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Some days ago I came through an article in The Times Of India, front page and in-fact this was on most of the news channels, that RBI has changed rules regarding free usage of a third party ATM’s(not the same bank ATM in which we have account). Obviously this was important news but why RBI made this decision? For this I look up the history of transaction from a third party ATM.

When Did This Start

If you had remember, before April 1, 2009 we had to pay for transaction, printed statement or even for balance inquiry from third party ATM. Have you ever thought what were that charges and why we had to pay? The answer is simple when we use a third party ATM, our bank pays an interchange fee of Rs 18 to Rs 20 per transaction to the bank whose ATM we used.  This fee covers the expenses incurred by both banks when a customer of bank X usage ATM of bank Y. Earlier we had to pay, now our banks. So from April 1, 2009 one could make free transaction with other bank.

What Goes Wrong

Earlier very few banks were tied up with each other and the charges were nominal as compared to others. So RBI introduced a directive to the banks to allow free use of ATM machines irrespective of which bank a customer had accounts with. That means you can use third party ATM free of cost. But now your bank was paying around Rs 20 to the other bank per transaction and obviously the bank having more number of ATM will be used more. Why customer will go even 50 meters to use his bank’s ATM, since it is human psychology to feel more comfort.

So if a person withdrew even Rs 100, his bank had to bear this interchange fee every time, which became quite expensive. SBI has maximum number of ATMs in the country and recent survey shows that ICICI is loosing Rs 4-5 Cr per month due to this interchange fee only and most of the ICICI customer opt to use third party ATM, even ICICI is 2nd in number of ATMs. That means people are misusing this facility(or may be using sometimes),which made banks in loss.

Since the number of ATMs of individual bank are not same and varied largely, everyone knows banks will suffer loss due to this directive of RBI and one day it will have to be changed and finally they changed this. RBI is not supposed to do this when they are regulating one of the biggest economy in the world. Everywhere in the world do third party bank charges for each transaction of their ATM usage, even in U.S., one pays $3 per transaction and in Australia they charge bit more.

Earlier they want to make customers happy but now they have reached a decision to make both them happy, the banks and customers. Before few months ago banks put three demands to RBI:

1. Free usages of third party ATM should be restricted to limited number per month.
2. The transaction amount should be re-decided.
3. Minimum transaction amount from third party ATM should be Rs 1000.

What RBI Has Corrected Now

Recent announcement from RBI regarding free usages of ATM’s are changed and will be applicable from September 1, 2009. The new circular for transaction from third party ATM shows the free usages of third party ATM’s are restricted to five times in a month and the upper limit of Rs 10,000 per ATM withdrawal has been set. However they have rejected their demand of minimum Rs 1,000 withdrawal at a time, since India has a lot of low-cost customers and they will be affected badly.

This is the short middle ground which RBI has found to make both the customers and banks happy. So far the middle ground option choosen by RBI is concerned, the credential value of RBI will depend on time. Till then the public as well as the banking sector has to wait and watch.

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