Second Innings September 2019

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

Title Page No.
DMD Message 03 We look forward to
From Editors Desk 04
contributions from
Retirement 05
Achievement Choudhari 11
Fake Instrument 13 our retired colleagues for the
Fundamental Spiritual Truth 14 next issue of
AGM Mumbai Circle 15
Report Launch 2019 16
Stress in Office 17 "Second Innings"
The precious Indian linkage 21 Write to us if....
Tourism – Hill Station Train 23
Tree pose yoga (Vrikshasana) 25 • You have faced a serious health
Yoga For Older Adults: 27
Why Yoga 29 problem and conquered it
SBI Pensioners’ Fraternity 30
BHUTAN - A country with • You or someone you know has
35
abundant Natural Beauty
Retirement Planning vs Post done something exceptional
42
Retirement Investing
cenelcee ieebOeer kesÀ efJe®eej Deewj GvekesÀ Deveg³ee³eer 46
after the age of 60
Rates of Dearness Relief Payable 49
Mail to us at - • You have a hobby to share
The Editor,
‘Second Innings’ • You had a unique experience
State Bank of India,
16th Floor, State Bank Bhavan, related to money matters
Madame Cama Road, Mumbai - 400021.
OR E-mail at : dgm.ppg@sbi.co.in • You travelled to a destination
Advisory Board less known
Shri K.T.Ajit
Chief General Manager (HR) • You have a funny or insightful
Shri. A. T. Thorat anecdote about your
Head (Legal ) & CGM
grandchildren
Editorial Board
Shri Somnath Adhya ..... and we’ll print the selected
Dy. General Manager (PM & PPG), Editor
article in our magazine ‘Second
Shri C. P. Mulye
Chief Manager (S) (Sub Editor) Innings’
Smt. Meenakshi Pradhan
Manager (S) Internal Communication
(Sub-editor)
2 Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19.

DMD Message
Dear Seniors, Our values, STEPS (Service, Transparency,
Ethics, Politeness and Sustainability) that define
It gives me immense pleasure and an escalated us are the ones that help us in consistently
sense of responsibility in assuming the position strengthening our market share, our sizeable
of the Deputy Managing Director (HR) and balance sheet, our performance parameters
Corporate Development Officer recently. and our ability to create sustainable value for
“Second Innings” initiated by Pension, Provident our shareholders. We see ourselves once again
Fund & Gratuity Department in Human firmly on this unending journey of leadership
Resources Department, is a great platform in all spheres of banking initiatives. The credit
for a two-way communication with our senior definitely goes to our senior leaders for the
leaders whose contribution to the Bank is same.
immense. The continuous efforts and their will- Our motto with this quarterly magazine is
power to surpass any hurdle is what has helped to reach our pensioners, inform them of our
us to reach such heights and sustain it for a new initiatives, various activities which are
long time now. undertaken, take their suggestions; in a nutshell
Our seniors who have paved way for continuous keep you connected with the organization,
success are the ambassadors of the Bank. Your where you had served for long and have now
contribution is huge and cannot be measured. moved ahead with your second innings in life.
It’s all the efforts of our veterans, whose timely Second Innings is nothing but rediscovering
contribution and suggestions have helped us yourself. It is one of the best time to opt for all
bask in the glory of success and recognition those things in life, which were just a dream
worldwide. Today, we are present at all hooks to be fulfilled. No wonder, retirement is in fact
and corners of the country and catering to the most contented period of life where every
customers beyond imagination. This is possible moment is meant to be cherished.
due to the dedication of our employees who
have been inspired by none other than our So just, stay happy, healthy and keep your
experienced and now retired seniors. 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. 3

From Editors Desk
Respected Elders, Banking is a proud moment to revive. His interest
towards researching on subjects close to his heart
Penning an editorial sends me a decade back,
is encouraging and sets an example on others.
when we used to write letters to our near and
dear ones informing them of our wellbeing and This quarter was pretty eventful for the Bank as
asking about their chores. The letter used to reach we recently celebrated our grand 64th Bank Day
late, but the essence of the paper on hand gave event with enthusiasm and vigour on 1st July 2019.
an immense pleasure. Pleasure of a personal Our ladies club members presented a beautiful
message, pleasure of the concern and time for performance on the occasion while performances
writing. “Second Innings” gives me the same by Hyderabad, North East and Chandigarh circles
pleasure of writing to all our readers, who have a added regional flavors to the event emphasizing
role in some or the other form to make SBI stand the unity in diversity. Our culture was well glorified
tall today. amongst the audience. Celebrity emcee Ms.
Sugandha Mishra added humor to the event by
These small pleasures are short lived. Lest we
presenting a great show with the performers.
forget, it’s the digital age which has taken over.
We have emails taking over the letters, whats app Not only for our Bank, but this quarter of the year
messages taking over the phone calls and the had lots of ups and downs nationwide. At one
emojis taking over the emotions. Time has shrunk hand we were celebrating are on team of reaching
and we are still running behind to conquer the semi-finals in the cricket world cup and winning
world. gold medals in other sports while on other hand,
losing heart to Cyclone Fani in Odisha and recent
Every month we have employees retiring from their
Assam floods.
job and we see congratulatory messages pouring
in for their second innings. Some say, will spend Ups and downs are a part and parcel of life, but
time with the family with playing with their grand- that should not let down the spirit of enjoying the
children, whereas some prefer to take over another precious life. Enjoy and take it easy. Live your
job to keep themselves engaged. Personal choices moments and create beautiful memories. Shri Siva
indeed! But what is interesting is the change in life! Nainar, CGM (Channel Management & Customer
Service) is going to retire this month and and on
We have seen changes in job with promotions and
being asked about his second innings, he said
transfers but retirement definitely leads the race.
“Will do something different. Do not wish to
Change in perspectives, lifestyle and thought
prolong his corporate work-life. May join NGO,
process. But what does not change is “YOU”,
take up part time assignments, travel, learn new
yourself. Retire from your work, not from life!
languages, read more and spend more time with
This is the right time to explore your interests, family…”
relive your moments which got snapped with your
There is no limit on life…explore and learn! With
busy schedules and discover yourself for better.
this I extend my warm greetings to all the bank’s
It feels good to see Mr. Anil K Saxena reliving
pensioners and their families a contended, healthy
his interest towards travelling. His toy train ride
and prosperous life. Broaden your horizons and
in Darjeeling is a must read in the his edition!
accept things as it comes- lead a great and
Not only Mr. Saxena, but Dr. Prasad’s Honorary
beautiful life.
Doctorate in Commerce with Specialization in
*****

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 workplace, pat comes the reply- Achievements
as a Probationary Officer on 3rd December are results of team efforts. In every success of
1984, with having a memorable and enriching mine, important role was played by others.
experience in these 35 years at SBI. Having One of his memorable experiences which still
worked in a variety of positions with people remains close to his heart is the Computerisation
from diverse backgrounds, he feels enriched at Commercial Branch, Kolkata in the year
with the love and affection of his teams that has 2001 despite many odds.
showered on him over the years. Bud Meyer has correctly said, “The moment
may be temporary, but the memory is forever”
Parent Circle being West Bengal, Shri Das held
various positions at Kolkata, New Delhi and On Fond memories, Shri Das recalls the time
Mumbai. From Kolkata to one of the world’s spent with his daughter when she was growing
most populous megacities, New York has been up. His only daughter Ms Dipanjana Das is
both exciting and enriching. He served as a pursuing her Final Year Ph. D at University of
VP, Personnel & Administration at New York California, Santa Barbara, USA. His father is
branch, five years were fully memorable and his inspiration for life. His spouse Mrs. Rupa
has many moments to cherish. Das preferred to stay at home and stood by
him to take care of his family. Her contribution
Five years with serving as DGM, Project is immense as she has almost single handedly
Finance-II, CBG, GM, Project Finance and raised their daughter.
GM, CAG Branch-II, CBG; Shri Das took
over the Thiruvananthapuram Circle as Chief Reading books, listening music, travelling and
General Manager in 2014. photography are some of the hobbies to be
cherished. Science Fiction, The Foundation
Being a true State Banker, Shri Das believes what Series by American Author Isaac Asimov is his
makes the Bank stand out is its transparency, favourite read and Renowned Director Satyajit
fair play, service to the nation and caring for Ray’s the Apu Trilogy comprising three Bengali
its own. films- Pather Panchali, Aparajito and The World
of Apu are his big screen favorites.
In 2016, Shri Das took over as Deputy
Managing Director, Internal Audit Department His motto for life is inspiring- “To serve to the
at Hyderabad. On his achievements at the best of my ability and not to forget my roots.”
*****

Smt Anshula Kant, Retirement
Smt. Anshula Kant Constantly moving from one place to another,
memories are obvious! On being asked on her
12th July 2019 was much more than a date to
remember. In fact, it was a moment of pride for memorable experiences, Smt. Kant says, many
all of us when President of the World Bank Group of them to be narrated. Things about SBI that she
Mr. David R Malpass, made an announcement that will be proud of is the Bank’s ability to think big,
Smt. Anshula Kant, M.D (Stressed Assets, Risk & its capacity for change leading from the front and
Compliance) has been appointed as the Managing willingness to take risks.
Director and Chief Financial Officer at the World Her inspiration is her family who has been there
Bank Group. with her in all the ups and downs of her life. Her
An alumni of Delhi School of Economics and Lady father is her biggest inspiration. Spouse, Shri Sanjay
Shri Ram College for Women; she has brought in Kant is a Chartered Accountant who plays a very
the gentle nuances of Human Resources in all her important role in being her pillar of strength. His
interactions during her career span of 36 Years. Smt. constant encouragement and support and taking
Kant joined the Bank as a PO on 9th December a lot of pride in her achievements motivate her to
1983 and worked as a Branch Head for five years in reach higher.
various branches in her initial career.
Her children, Nupur is a lawyer by profession
With direct responsibility for the Bank’s Risk, working with Swiss Re and settled in Singapore and
Compliance, and Stressed Asset Portfolio, Smt Siddharth after completing his Engineering with MBA
Kant led the creation of investment opportunities is working with Deloitte and settled in New York.
while empowering risk management throughout the Their good values make them her strength for life.
bank. She held several positions across the Bank
She gives the entire credit to her late parents-in-law
and helped navigate a diverse array of leadership
who had a huge role to play in their upbringing and
challenges.
carved them into good human beings.
She took over as Manager (Credit Administration)
in Singapore with later serving as CEO, Singapore Watching movies and plays, reading books and
branch from 2006 till 2009, with responsible for spending time with family keep her occupied.
launching the retail operations, making SBI the first Her favourite read is 2009 published Open,
Indian bank to do so in that geography. autobiography of one of the loved athletes Andre
Agassi and Tim Robbins starrer 1994 American
Smt. Kant has held several key assignments in SBI drama The Shawshank Redemption is her big screen
including Chief General Manager (CGM) of Mumbai favourite.
Circle (Maharashtra & Goa), DMD (Operations),
NBG and DMD & CFO at Corporate Centre in Blessed being a State Banker, Smt Kant has a motto
Mumbai with taking over as MD (Stressed Asset, Risk for life. “Be passionate about the things you do and
& Compliance) on 7th September 2018. do them with full commitment and honesty.”
*****

Shri Kumar Sharadindu, Retirement
Shri Kumar Sharadindu, CGM on deputation On the fond memories, he has already switched
as MD & CEO, SBI Pension Funds Pvt. Ltd. his bosses and says that his marriage has been
joined Bank as a Probationary Officer on the most beautiful moment for life. His wife,
4th December 1984. With a motto for life to Ms. Madhu Sinha who is working in Service
stay happy, Shri Sharadindu believes that all sector has been his inspiration and her role in
his assignments were memorable at SBI. He his life has been tremendous and cannot be
measured. His sons Tushar and Tuhin are his
enjoyed his tenure at SBI and gave his best with
strengths and have been doing well in life.
pleasing results to all the efforts.
Watching Indian team playing cricket is his
With Parent Circle as Patna, Shri Sharadindu
stressbuster. He was really heartbroken,
was a Branch Manager in RIT Branch and when India lost out to Kiwis in the World Cup
SSI Branch in Jamshedpur till mid 90s before semifinal this year. Books are his good friends
taking over as Manager (NPA & ADV), RNW at with Fountain Head by Ayn Rand his favourite.
Patna LHO. After serving as AGM (Operations)
Treasury and AGM Rupee Treasury at Corporate Keeping trust with citizens of the country is
what Shri Sharadindu is proud of SBI and for
Centre in mid 2000, Shri Sharadindu was
his second innings, his plans are to enjoy this
also appointed as DGM, Market Risk, Risk
leisure time.
Management Department and GM, Pvt.
Equity Relity & Vent Funds, Global Market at As it has been said correctly that Retired life is
Corporate Centre, Mumbai seven day weekend!
*****

Shri Rajinder Mirakhur, Retirement
Retirement is always a mixed bag of emotions! the household, managing children, maintaining
The routine of getting up early, get ready for relations with friends and relatives. She gave up
office, crossing all sort of emotions while her career to support Shri Mirakhur in all his
travelling till office suddenly comes to a halt. decisions and made their dream possible.
And this all happens to us suddenly, when we
His daughters Nikita and Neharika remain his
realize that we have “retired”
strengths for life. The older daughter, Nikita,
Let’s not forget that retirement is not necessarily is working as AVP with Axis Bank whereas
a teary goodbye from an organisation, where Neharika just finished her graduation and
one has invested all his life for a desirable result preparing for professional studies.
but at the same time retirement also pave ways
Undoubtedly his inspiration is his family who
for opportunities. Opportunities to excel in life
has been there with him in all the ups and
and enjoy the second innings!
downs of his life. His parents, who have always
Shri Rajinder Mirakhur, Chief General Manager, inspired him on the commitment and ethics in
Jio Payments Bank Ltd. retired from SBI in June whatever he does and above all believes in
2019 after serving the Bank for 37 years. With God, who has guided him the right path.
joining the Bank as a Probationary Officer in
With listening to music, photography and
1982, Shri Mirakhur was a seasoned banker
gardening as his hobbies, Shri Mirakhur has a
in true sense with a rich experience in banking.
special penchant for reading- both fiction/ non-
He has gradually, worked his way up the helms
fiction and has recently developed interest in
of banking, gaining experience across all
biographies. His all-time favourites being- ‘The
segments in various capacities.
Alchemist’ by Paulo Coeloho and ‘The Prophet’
On his triumph he said, “Someone who had by Khalil Gibran. Light hearted Bollywood
never visited a Bank before joining SBI now movies- Jaane bhi do yaaron and Hera Pheri
retires as a CGM, is no mean achievement and and Hollywood action movies of Danziel
I am really proud of it.” Washington and Bruce Willis are his big screen
choices.
He firmly believed that SBI is an organisation
that gives you an opportunity to love your TV is a big no, but addicted to Net
job due to supportive work environment.
Blessed being a State Banker, Shri Mirakhur
Encourages you to learn from your mistakes
has a motto for life- a quote from Alchemist,
and above all a plethora of Leaders who inspire
“People are capable, at any time in their lives,
confidence, dedication and ethics.
of doing what they dream”
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.
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
*****

Shri Sandeep Seth, Retirement
With joining the Bank in 1983, Shri Sandeep of and at the same time getting the opportunities
Seth is a seasoned banker in true sense with a for wider exposure and development of decision
rich experience in banking. During his tenure making skills- he gives the entire credit to SBI.
at SBI, he got multiple opportunities to work
in different geographical areas with his first You change bosses after retirement- from the
posting at Mumbai, being close to heart, as it one who hired you to the one who supports
shaped the future of his children. For his own you through each and every thick and thins
achievements, he gives the entire credit to of life. His credit for success goes to his wife-
TEAM SBI for all the recognitions achieved. In Ms. Deepika Seth, who opted to stay at home,
his last two assignments, the Team SBI delivered manage household and brought up their
TDS centralization, digitization of closing children despite being shortlisted for Insurance
returns, centralization of tax audit and fx out Company.
for outward remittances which calls for a huge
applause. His Daughter Sanchita, Lead Analyst with
CRISIL, Son-In-Law Ankit, Vice President with
On being asked on fond memories, Shri
TransUnion CIBIL and Son Dishant, Second
Seth recalls, under CSR activities, TVs were
Officer with Merchant Navy are his pillar of
distributed to the children at an orphanage in
Ooty, and their excitement to catch up Cartoon strength
Network was priceless. His love for Badminton is known to all and his
Fond memories are many at SBI, but the favourite read is Wings of Fire written by Former
closest one is during the roll out of Fixed Assets President A.P.J Abdul Kalam and Arun Tiwari.
Accounting Software. Issued Email instructions Light Hearted movies Hera Pheri and 3 Idiots
to the Circles/ Branches to park the difference- are a delight to watch.
both credit and debit, in Charges Account at
the respective branches. Got dressing down “Finish the first innings with unblemished
from then CFO for issuing instructions for record” is his motto for life. On being asked
parking the undefined amount in Charges, but on plans for second innings, Shri Seth wants
then later on CFO realized that was the best himself to be fully engaged for the next 3 to 4
way to operationalize the migration of data years.
from manual accounting to system accounting.
No wonder, it has been said that Retirement is
His inspiration are his seniors at office for not the end of the road. It is the beginning of
guidance and mentoring which he feels proud an open highway.
*****

Shri Siva Nainar, Retirement
Shri Siva Nainar joined the Bank as a Probationary His daughter Vishaka, working at HSBC inspires him
Officer on 25th October 1985. He has achieved to live life fully. As a family, their ability to acclimatise
tremendous success during his career in SBI. to their work place environment is a trait, which helps
As a banker, customer satisfaction is of utmost them to stand strong together.
importance. Shri Nainar recalls his customers of Travelling and reading books are stress busters and
branches, where he served 15-20 years back, calling his favourite author Richard Dawkins give him a
him and sharing their life progresses are one of the great company. Boxing Drama, Million Dollar Baby
memorable experiences at SBI. On personal front, fame Clint Eastwood and English broadcaster David
he always found meaning in each of his assignments Attenborough are his screen favourites.
and worked with equal vigour. Shri Nainar believes that serving this institution is like
With Bank posting Shri Nainar at various places, he serving the country so every moment in SBI was a
recalls, that as a family, they have always made it a matter of pride.
point to learn new languages and imbibe to their His motto for life - “We have two lives and the second
culture so that there is no difficulty. Adapting the begins when you realise that you only have one”
culture and languages has helped them to move
around the place and they did not find an issue when For the second innings in life, wish to do something
travelling abroad too. different- may join a NGO, take up part time
assignments, travel, learn new languages and spend
His father is his inspiration for his dedication towards more time with family.
work and values. Being a family man, Shri Nainar
believes that his wife Ms. Radha has been a pillar Learning has no age bar. Our late President Dr. Abdul
of strength through his journey of ups and downs Kalam has said, “Learning gives creativity, Creativity
and have multitasked with giving him freedom to leads to thinking, Thinking provides knowledge,
concentrate on work. She is an accomplished painter Knowledge makes you great.”
and good with fine arts.
*****

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 Accountant-

ADB Parkal, Accountant-Masulipatnam, Field
Officer-ADB Jangaon branches during 1979- Hyderabad Circle in November 1992, he was
1982 and later as Branch Manager, ADB posted as Chief Manager, Sangareddy branch.
Wardhannapet, Warangal Dist., Telangana He retired voluntarily from bank’s service in
for two years. After working for six months April 1993.
in Regional Office, Region II, Hyderabad
module, he was deputed to Corporate Office, He worked as Vice President of three companies
Mumbai where he worked in Agricultural viz., Wonder Granites Pvt Ltd., Leafin Financial
Banking Department between November Services Ltd and The Vysya Bank Leasing Ltd.,
1984 and October 1992. During this period, between 1993 and 1999 before switching to
he was promoted to MM II, MM III and SM academics. He started as Associate Professor
IV grades. Along with his career growth, he cum Chairman-Admissions and moved
added professional qualifications viz., CAIIB, up as Professor and Dean (Planning and
Certificate in Industrial Finance, Diploma in Development) at TAPMI, Manipal, Professor
Training & Development, Diploma in Merchant cum Registrar at Alliance Business School,
Banking, Diploma in Industrial Relations, Dean (P&D) at IFIM Business School and
Diploma in Computer Programming besides Dean, RIMS Bangalore during the years 1999
Praveen and Pragya (Hindi) examinations and 2018. He is presently Academic Advisor
of MHRD, Govt of India. On his return to at Sri Saikrishna Charitable Trust, Bangalore.

He presented / published 30 research papers Germany, Nederlands, Belgium, Luxemburg,
at national and international conferences Morocco, Shanghai and Australia. He served
on topics like banking, financial services, in Lions Club, Manipal for about fifteen years.
management education, entrepreneurship, etc.
He was a member of Board of Studies of several Prof Chowdari Prasad has been conferred
institutions and editorial member of journals. an Honorary Doctorate in Commerce with
He is life member of IIBF, AIMA, ISTD and SBI Specialisation in Banking by University of
Pensioners Association. He travelled widely to Swahili, Panama, Central America in December
Hong Kong, Singapore, Malaysia, Thailand, 2018 in Bangkok, Thailand.
*****
As part of Sustainability Initiative, our

Bank has observed “World Environment
Day” in association with NGO, Bhamla
Announcement Foundation and Ministry of Environment

on 05th June, 2019. The theme of the day
for 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.

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.
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
In the year 1978, about 18 of us became due to
together so that the discussions could continue.
write the examination for promotion to Officer
Grade II (later on rechristened as JMGSI). The In the mid-way, while the dinner was on,
promotion exercise having been kept pending some one with folded hands appeared and
for quite some time, the eligible candidates list enquired whether all the arrangements were
were large and and with posts being limited, satisfactory and also about the quality of food
the competition was supposed to be very tough. and requested that if there is any omission, they
So, all of us formed small groups and would should be excused keeping in mind the huge
study in the evening and note down possible arrangement they had to made for the function.
questions on ticking and rationale as well. One colleague from the group enquired about
Circulars would be consulted. Even during his relationship with the Bride and he politely
working hours, discussion would be on possible answered that he is just neighbour and not any
questions and answers. way related to the bride. Suddenly some one
quipped ‘FAKE INSTRUMENT’ such was the
It so happened that one of the colleague was
height of study!
getting married just before 7/8 days of the
test and many of the colleagues invited to the S.K. Debnath
marriage and accompany the groom on the D PF 026434
day was not very willing to go so that the study AGM (Retd.)
is not lost. However, about 10 of us agreed and NE Circle,
accordingly accompanied the groom. While 02.06.2019 Guwahati (Assam)
*****

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 sacrifice,fasting or austerity we will overcome
is that everyone must die at the appointed death.This has never happened nor will
time and not a moment more or less.Even happen in future.The person is not only
the invited Priest who has come under the destined to die but also destined to continue
pretext of prolonging life has to die.Death is the journey in life after death as well.Supreme
dead sure. Lord only knows this and decides where you
go and for how long.
Scriptures say that death is actually pre-
determined in the womb itself,so no one has Shyam Taneja
the power to avert this.The meaning of this
age 68,rtd.Sbi, Vigilance Deptt.New Delhi
mantra has nothing to do with saving of life.
LHO.
So we shouldn't live under the illusion PF No.1598562,
that through some ritualistic practice,fire Mobile No.9818865200

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

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.

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 endothelial dysfunction (heart and big blood
all doctor's office visits. Stress contributes to vessels of the body) and inflammation might
lifestyle diseases like heart disease, diabetes, be further involved in the modulation of blood
obesity, and autoimmune diseases. pressure elevation associated with stress.
Symptoms of work-related stress White-coat hypertension, defined as high clinic
blood pressure but normal out-of-office blood
• Fatigue. pressure, is the most popular stress-related
• Muscular tension. blood pressure response. Careful follow-up is
• Headaches. necessary for this type of hypertensive patients
because some show organ damage (kidneys/
• Heart palpitations.
eyes etc.) or a worse prognosis.
• Sleeping difficulties, such as insomnia.
On the other hand, masked hypertension,
• Gastrointestinal upsets, such as diarrhoea or defined as high out-of-office blood pressure
constipation. but normal office blood pressure, has received
• Dermatological disorders. considerable interest as a poor prognostic
condition. The cause of masked hypertension
High blood pressure is the most significant risk
is complex, but evidence suggests that
factor of cardiovascular and cerebrovascular
chronic stress at the workplace or home could
diseases worldwide. Blood pressure and its
be involved. Chronic psychological stress could
variability are recognized as risk factors. Thus,
be associated with distorted lifestyle and mental
hypertension control should focus not only
distress as well as long-lasting pressure load,
on maintaining optimal levels but also on
contributing to the blood pressure elevation.
achieving less variability in blood pressure.
Psychosocial stress is known to contribute Stress issues are common in patients in modern
to the development and worsening of society. Considering psychosocial stress as
hypertension. Stress is perceived by the brain the pathogenesis of blood pressure elevation
and induces neuroendocrine responses in is useful for achieving an individual-focused
either a rapid or long-term manner. Moreover, approach and 24-h blood pressure control.

Taking Steps to Manage Stress Everyone should take a pause in their busy
1. To track the stress points. Keeping a schedule and think if they really like the job they
journal/ diary for a week or two to identify are doing? If you give it a serious thought, you
which situations create the most stress and may realize that it’s not about the work at all.
how you respond to them. ... All the grumbling, complaints and stress that
one has in their job could be merely due to
2. Develop healthy responses. ... their lifestyle and working style. It might be true
3. Establish boundaries. ... that once you are at work you really enjoy your
4. Take time to recharge. ... job, but the travelling conditions, unorganized
work style or your inability to manage time
5. Learn how to relax. ... could be making your job very stressful for you.
6. Talk to the supervisor. ... Here are a few simple lifestyle changes that
7. Get some support. can help us to manage work related stress and
make our life at work really stress-free.
8 ways to beat stress at work
1. See the big picture. Communicate with 1. Listen to Music On The Way to Work.
your boss what are the key deliverables. ... If one has a long commute to work and travels
2. Take time out. ... in a car, bus, taxi or train, they can tune in to
some nice soothing music. Research suggests
3. Don't smoke, eat or have caffeine to de-
that music can be regarded as therapy and can
stress. ... have its effects on mental health to improve our
4. Escape for an instant. ... mood.
5. Don't be a hero. ... 2. Use Essential Oils At Workplace.
6. Get enough rest. ... Work related stress has become a burning topic
7. Get adequate exercise. ... and many experts are constantly searching for
8. Don't be so harsh on yourself. best strategies to manage it. Using essential oils
in the workplace is one the effective approaches
A few simple lifestyle changes that can help to reduce work related stress. There are several
to manage work related stress and make ways in which one can get the benefits of
life at work really stress-free. Aromatherapy in the office. One can use an
1. Listen to Music On The Way to Work. ... essential oil diffuser on their desk, keep a small
bottle for personal use, or spray the air with
2. Use Essential Oils At Workplace. ... 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,
5. Put a Desktop Reminder to Drink Water. shoulder and back pain. The occupations that
require sitting for a long time, have the highest
6. To park the Car / Two wheeler Away From prevalence of back pain. If your job involves
Workplace sitting in front of computer for a long time make
7. Take the Staircase instead of Elevator sure to adjust the monitor to your eye level and
keep your hands close to the body while using
8. Stand when Possible keyboard. To prevent the hazardous effect of

prolonged immobility, all you need to do is get 7 times more calories when you take the stairs
up and move around. Make it a habit to get up rather than taking the elevator. This happens
after every 30 minutes or an hour, and move for because with every step you climb you burn
at least 2 to 3 minutes. about 0.17 calories. However, if you have
problems with your knee or heart, climbing
4. Choose Fruits / Fruit Juices Over Coffee.
stairs every day can be unsafe for you.
One might be having several stressful moments
8. Stand When Possible
at work, when everyone wants something from
them urgently. And, this definitely calls for a cup Majority of office goers sit for nearly 6-7 hours
of coffee. If this happens repeatedly, do you in a day. Research has shown that cumulative
keep asking for coffee frequently? Coffee does impact of sitting all day for years is associated
stimulate your brain but according to experts with a range of health problems, from obesity to
more than 4 cups of coffee per day is hazardous diabetes to cancer. Although not possible in all
to health. Bring in some healthy changes in your workplaces, the popularity of the sit-stand desk
lifestyle by replacing coffee with water or fruit and stand up workstation is booming. If you
juice. cannot have a stand up workstation, make sure
you split your standing and sitting time equally.
5. Put a Desktop Reminder to Drink Water.
Make sure to stand while you discuss work with
Ask yourself how many glasses of water do you colleague or when you talk on cell phone.
drink in a day? You cannot really recollect. In
Eat Foods That Lower Your Stress
fact, some people actually forget to drink water.
Water is essential to keep the body temperature It’s natural to get stressed when you see work
normal. It also helps to flush out the toxins piling up in front of you. But, craving and eating
and wastes through urination, perspiration, food to overcome your work related stress is
and bowel movement. Research reveals that not a healthy solution. Research has found that
dehydration can affect brain and cause lack of in stressful situation we tend to crave for fatty,
attention and memory problems. sugary, calorie-rich food because it’s not about
physical hunger at all, it’s about the comfort
6. Park Your Car / two wheeler Away From
we get through food. You must choose some
the Workplace
healthy foods that satisfy your hunger as well as
With the busy work schedules it may be difficult overcome your stress. 5 foods that can reduce
at times to hit the gym or go for walk before stress are Tea, Carrots, Nuts, Milk, and Curd.
going to work. But, what if we fit physical activity One can keep them handy when at work.
in the work schedule itself? If one looks closely
Do Some Desk Exercises
there are number of opportunities for some
activity in our daily work schedule. One smart Exercise is a proven and effective means of
way is to park our car/ two wheeler at some reducing work related stress. But, how can one do
distance and walk few feet rather than simply any physical activity amidst daily busy schedule?
stepping out of car into the elevator. So, now It is not referring to any vigorous activity. Instead
stop struggling to get the parking slot closest to one can do simple desk exercises as given below.
the elevator. • Stretch one or both the legs and
hold it for few seconds before getting
7. Take the Staircase Instead of Elevator
back to ground. Repeat this few times
Climbing stairs is a recognized form of vigorous • Try the neck stretch by touching your ears
physical activity. Experts suggest that you burn to shoulders and holding for few seconds

• Stretch both your arms backwards as if you There are employee assistance programme
are trying to hold a pen between your hands even in SBI that provide counsellor services to
• To prevent wrist pain due to keyboard use, employees. Emotional well-being is at the heart
place your palms on desk and lower your body of every institute.
till you feel the stretch in your arms
One can avoid, alter, adapt and accept stress
• Working women juggling multiple situations. One can avoid stressful condition/
roles in our complex society are increasingly experience. Alter involves changing the route
experiencing psychological stress. Studies to reduce stress, like if driving in a traffic jam
show that Essential fatty acids may be effective is causing stress; one can take train/ metro.
in reducing prenatal stress and cortisol (a Adapt is learning the art of compromise and
hormone) and may reduce anxiety during moving ahead. This is particularly useful while
premenstrual syndrome and during menopause dealing with a boss or a peer with whom one
in the absence of depression. Essential fatty has a problematic relationship. One should
acids are present in Fish and other seafood , sit down with the person and have an open
flaxseed, walnuts, Plant oils (such as flaxseed conversation. Be open to feedback and share
oil, soybean oil, and canola oil), Kidney beans. their expectations with them. Acceptance is key
when dealing with a situation that cannot be
Magnesium and vitamin B6 may be effective in
altered. There’s always another group or role or
combination in reducing premenstrual stress,
place that may suit ones abilities better.
and vitamin B6 alone may reduce anxiety
effectively in older women. High-dose sustained-
release vitamin C may reduce anxiety and Dr. Vaibhav P. Shirwadkar
mitigate increased blood pressure in response Senior Medical Officer
to stress. Corporate Centre
*****

The precious Indian linkage
The forerunners of SBI (the Presidency Banks as 144 out of 332 shareholders of the Bank of
of Bengal, Bombay and Madras and later the Bombay in 1840 were Indians.
Imperial Bank of India) maintained a forbidding
Among the Indians who made up the
distance between the supervisory establishment
subordinate establishment, there were a few
which was exclusively European and its Indian
who gained eminence in later life. Dinshaw
subordinate set up.
Eduljee Wacha, who served the Bank of Bombay
The Indian connection did not, however, cease for a short while, was one of the founders of the
with the bank’s establishment. It was present in Indian National Congress and presided over its
its board and shareholding too. Calcutta session in 1901. Wacha later joined
the board of Imperial Bank of India in 1921
The Bank of Bengal, for instance, appointed
and was the first to demand the Indianization of
Indian shareholder, Maharaja Sookmoy Roy,
the banking service. The scheme of recruitment
founder of the Posta Raj family in Calcutta, as a
of Indians as probationary assistants was
director in its first board in 1809. Roy is perhaps
introduced soon after.
most remembered for his princely gift of Rs.
1.50 lakh for the construction of the Cuttack Dewan Bahadur M.A. Parthasarathy Aiyangar, a
Road and caravanserais for the convenience former chief cashier of the Bank of Madras, was
of pilgrims travelling to Puri. No other Indian not only rewarded handsomely for his loyalty on
succeeded him till a century elapsed. The retirement but was also made a director of the
Bank of Madras board composed mostly of bank. Keshab Chandra Sen, a clerk for a brief
representatives of Parry, Binny, Arbuthnot, etc. while in the Bank of Bengal in the 1850s, later
did not have an Indian till 1920. It was only became a rebel Brahmo Samaj leader.
in the board of the Bank of Bombay that there
Sen’s grandfather, Ramkamal, served as a
were several Indians – Parsees, Gujarati Hindus
khazanchee or head cashier of the Bank of
or Jains, Khojas, Bohras, etc. – all promoters or
Bengal between 1832 and 1844. Just prior to
shareholders of cotton mills or rich merchants.
joining the bank he was employed as bullion-
In the Imperial Bank of India, however, the
keeper, cashier and native accountant of the
presence of a number of leading Indian
Calcutta Mint. He began his career as a writer
industrialists and businessmen on its board
in the Asiatic Society and later took up various
bore the stamp of changing times.
assignments in the Calcutta Mint, Agricultural
Even as shareholders, the three banks had and Horticultural Society of India, Sanskrit
an impressive tally of Indians. In 1809, when College and the Hindu College. He was also
shares of Bank of Bengal were priced at the only Indian in the committee appointed
Rs10,000 each, there were as many as 27 by William Bentinck to report on the state of
Indians including the Basaks, early settlers medical education and suggest ways and means
of this region, and millionaires like Ramdulal for its improvement which paved the way for the
De, the banian who traded with America. In establishment of the Calcutta Medical College
Bank of Madras, some of the leading Chetties in 1835. The many assignments that he held
and Parsees of the presidency were holders of spoke volumes, wrote Horace Hayman Wilson,
shares then valued at Rs1,000 each. As many an eminent Orientalist of the nineteenth century,

‘not only of his liberality, zeal and industry but
of the confidence universally reposed in his I have had the benefit of European
talents and integrity’. association, and had the good fortune
of enjoying the good opinion of all my
His professional engagement apart, Ramkamal superiors, and those whom I have had to
was also a man of letters. Besides producing deal within official capacity and after passing
in association with two others, a translation through so many respectable situations with
of English and Arabic fables in Bengali for unstained character, satisfactory conduct
children, he also wrote the first book on and appreciation of my services by my
western medicine in Bengali. His most lasting employers and after successful exertion for
contribution was of course a Dictionary in such a length of time to raise and establish
English and Bengali, which carried 60,000 my character in the line of business, I am
words across 1102 pages. now here pronounced ‘as an inefficient
public officer’ in a place where neither any
When Ramkamal joined as khazanchee, the
great intellectual acquirement nor ability is
then bank’s secretary and treasurer, George
required to a due discharge of the duties
Udny, a civil servant, did not take kindly to
but mere mechanical labour in paying
him. Obviously peeved by the eminence of
incessant attention and close application to
a subordinate and that too an Indian, Udny
the number of Bank Notes Bills and quantity
looked for an excuse to nail Ramkamal. Udny
of cash. [Italics mine]
found the khazanchee to be an ‘inefficient
public officer’ who ‘never devoted’ much time
and attention to his duties. Soon the secretary The directors considered the matter and
complained to the bank’s directors on the recognized the khazanchee’s value in acting as
khazanchee’s occasional late arrival in office. the main source of information on the status of
This was largely due, Ramkamal explained, bank customers and the necessity of keeping
to his engagements in commercial and other his departmental autonomy unimpaired.
public meetings or visits to businessmen, which
could not be undertaken once he reached Ramkamal continued as the bank’s khazanchee
office. till his death on 2 August 1844. With his
death ended the career of perhaps the most
When the matter was referred to him, outstanding Indian who ever served the bank.
Ramkamal requested for a clear definition of
the khazanchee’s duties which was lacking till
then and wrote in his reply : Abhik Ray
*****

Tourism – Hill Station Train
Darjeeling Himalayan Railway - Dhr Although the diesel engines used these days
are faster and more powerful, the original
Riding the Toy Train of Darjeeling Himalayan
steam engines still operate in some sections
Railways (DHR) has always remained a coveted
also for joyrides. The steam loco drawn trains
experience to the tourists. Only few would let
sometimes tend to skid in steep gradients. You
go such an opportunity and there is a clear
can often see an attendant standing in front
reason why so. After all this Toy Train has been
of the engine and sprinkling sand on the track
accorded the UNESCO World Heritage status
to overcome such difficulties, particularly in
and that's for a special reason. Operating on
monsoon time.
narrow gauge tracks since 1880s and providing
an important transport link to various parts of Toy Train Joyride - Darjeeling to Ghum
Darjeeling hills and lower plains, the toy train & Back
is an icon of our heritage since the colonial
Toy train joy rides operate from Darjeeling
days and an engineering marvel that was
Railway Station. It's a 2-hour round trip from
achieved in that era. It also offers a wonderful
Darjeeling up to Ghum and back covering a
way of absorbing the Himalayan beauty as you
total distance of 14kms. There are several
traverse along the slopes of the hills.
such round trips during the day starting in the
Where else can you find a small steam morning. Number of rides per day depends on
engine pulling mini coaches up the steep the demand during the month or the season.
mountains through breathtaking landscapes The train stops for 10 minutes at the Batasia
and overcoming almost impossible curves and Loop.
gradients using sheer engineering ingenuity
The Darjeeling Himalaya Railway, nicknamed
and creative skills. The snail pace at which the
the "Toy Train", is a 2 ft (610 mm) gauge narrow-
train moves through the hilly terrain is at times
gauge railway from Shiliguri to Darjeeling in
so slow that you can often see the local school
West Bengal, run by the Indian Railways. It was
children hopping on and off the train on the
built between 1879 and 1881 and is about
move.
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 mid-
19th 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

tea growing and plantation. Subsequently, riders but 'brakes-men' who perform the crucial
Darjeeling became a well-known new British job of slowing down individual coaches through
settlement and trading point for tea. Increasing the operation of mechanical foot brakes.
traffic by people and commodities overstressed
The railway, along with the Nilgiri Mountain
the existing cart-road and a new transportation
Railway and the Kalka-Shimla Railway, is
system was required.
listed as the Mountain Railways of India World
DHR was declared a World Heritage site by Heritage Site. The headquarters of the railway
UNESCO in 1999, only the second railway to is in the townof Kurseong.
have this honour bestowed upon it, the first one
India is the land of diverse culture and rich
being Simmering Railway of Austria in 1998.
heritage. No wonder UNESCO has identified
To be nominated as World Heritage site on
twenty-six World Heritage Sites here. Each
the World Heritage List, the particular site or
place has fascinating stories to tell. For one
property needs to fulfill a certain set of criteria,
such impressive tell, visit Darjeeling in West
which are expressed in the UNESCO World
Bengal and board The Himalayan Toy Train.
Heritage Convention and its corresponding
It is not only an engineering marvel but also
Operational Guidelines.
a delightful and enjoyable way to soak in
Four modern diesel locomotives handle most the beauty of the passing hills and the dense
of the scheduled services; however the daily forests. This eighty-three kilometre long stretch
Kurseong-Darjeeling return service and the daily connecting Darjeeling with the railhead of
tourist trains from Darjeeling to Ghum (India's Siliguri will keep you entertained. So, board
highest railway station) are handled by the The Himalayan Toy Train for world’s most exotic
vintage British-built B Class steam locomotives. train ride.The month of February 2019 was
The B class locomotive may be amongst the celebrated in DHR as Heritage month. Various
tiniest on its gauge and the railway is often events were organised in DHR. A steam special
referred to as a 'Toy Train' by its aficionados but run was organised from Siliguri to Rongtong in
it takes a crew of upto five men to maneuver February 2015.
this mighty machine on its journey up the hills.
India Post and many countries has issued
Apart from the driver and his assistant, there
postage stamps on DHR.
are two men seated on either side of the boiler
smokebox just above the buffer beam. Their job Anil K Saxena
is to sprinkle fine sand on the rails, which helps
in increasing adhesion between rail and wheels, Freelancer, Philatelist, Ex Tourist guide, Dept of
and avoid slipping and derailment, especially Tourism, Govt of Bihar
in wet weather. Finally, there is the coal breaker Retired Branch Manager, State Bank of India,
who is perched on top of the coal bunker and Gaya, Bihar
helps breaking larger lumps of coal. SHREE RADHA SADAN, HOUSE-273, A.P.
On the downhill journey, one may spot men COLONY, GAYA-823001
between coaches often moving up and down Mob 9431272010
on a lever and relaxing on top of the coaches emsaxenaak273@yahoo.co.in
on the level or uphill sections. These are not joy
*****

Tree pose yoga (Vrikshasana)
We have seen certain This posture is a close replica of the steady,
YOGA PRACTICES yet graceful stance of a tree.The name comes
in the earlier issues from the Sanskrit words vriksa or vriksha (Je=#e,
of this magazine. In
this issue we will be vriksha) meaning “tree”, and asana (Deemeve)
discussing TREE POSE meaning “posture”. Please keep your eyes
or Vrikshasana in the open as in all the asanas where balancing is
standing position. required, unlike most other yoga poses, you are
required to keep your eyes open so that your
This posture replicates body can balance itself.
the graceful,
steady stance of a What You Should Know Before You Do The
tree. Unlike most yoga Vrikshasana
poses, the Tree Pose It is best to practice tree pose yoga on an empty
requires keeping our stomach. There must be a minimum of four to
eyes open in order six hours between your meal and the practice.
to maintain body This will give your body enough time to digest
balance. the food and energize your body, making it
At this age or say above 50, I don’t advise ready for activity.
you to jump into a 90-minute hot yoga class However, it might be ideal to perform the
with a group of younger practitioners. But Vrikshasana in the morning. This asana
you can start with a gentle practice meant involves focus and concentration and it is best
for beginners. You can slowly try for the easy to channelize this in the morning when your
YOGA PRACTICES as Vrikshasana is one of mind is clear of the worries and stress from the
the easy poses. happenings of the day.
Excellent for leg and abdominal strength. How to Do Tree Pose (Vrikshasana)
Good for seniors to do for balance and
concentration. It’s ok for the leg to be lower on Stand absolutely erect and drop your arms to
the inner standing leg. Since you are all senior the side of your body.
colleagues you can start with using a wall for Slightly bend your right knee, and then, place
support. the right foot high up on your left thigh. Make
Stand tall, and place one foot on the opposite sure that the sole is placed firm and flat on the
inner thigh, either above or below the knee. root of the thigh.
Open the leg to the side, bring your hands to Your left leg needs to be absolutely erect. Once
prayer, and stay for five to eight breaths. you have assumed this position, breathe, and
Vriksasana or Tree Pose is an asana. find your balance.
Sanskrit: Je=#eemeve; Vriksha – Tree, Asana – Now, inhale, and gently raise your arms
Pose; Pronounced as – vrik-SHAHS-anna over your head and bring them together in a
‘namaste’ mudra.

Look straight at a distant object and hold your The knees become stronger, and the hip joints
gaze. This will help you maintain balance. are loosened.
Keep your spine straight. Note that your body The eyes, inner ears, and shoulders are also
needs to be taut, yet elastic. Take in deep strengthened in this pose.
breaths, and every time you exhale, relax your
It relieves those suffering from sciatica and
body more.
reduces flat feet.
Gently bring your hands down from the sides,
It makes you stable, flexible, and patient. It
and release the right leg.
enhances concentration and activates all the
Come back to the original position of standing mental faculties.
tall and straight as you did at the beginning of
This pose helps to deepen the thorax.
the practice. Repeat this pose with the left leg.
Science Behind Vrikshasana
Those who suffer from high blood pressure
should not raise their arms above the head for This asana is mainly a balancing posture,
a long period of time. and its main benefits lie in improving balance
and enhancing the nervous system. When you
It is best that you avoid practicing this pose if
balance, you are forced to focus your mind,
you suffer from insomnia or migraine.
and as you focus, you will realize you are
Benefits of Vrikshasana (Tree Pose) balancing. When the mind wanders, so does
the body. Stress and tension forbid you from
Vrikshasana has numerous benefits. Take
balancing.
a look at the good it can do to your body, if
practiced regularly. While stabilizing your mind and body through
stretching, this asana also strengthens your
It strengthens the spine while improving both
joints and bones and expands the hips and
balance and poise.
chest. It loosens the shoulders and tones the
It improves and aids neuro-muscular arms as well.
coordination.
C. P. Mulye
It tones the leg muscles while making the
ligaments and tendons of the feet stronger. Yoga Prabodha
*****

Yoga For Older Adults:
5 Health Benefits Of The Practice For...
• You Get The Benefits Of Movement — in class. Many studios offer beginner
Without The Strain. Exercise is a crucial part classes with props for modifications, and
of healthy aging, but high-intensity cardio some even tailor to older adults. New
or strength training can also put strain on practitioners should also remember that
the body. ... they can opt to sit in the resting child’s
• Increased Flexibility. ... pose or take a seated meditation during
more challenging postures.
• Yoga Can Relieve Menopausal Discomfort.
• “There’s a lot to learn, and most
• Promotes Good Bone Health. ... people over 50 run into issues like tight
• Yoga Keeps The Mind Sharp. hamstrings, which affects alignment in so
many different postures,” Norlyk Smith
• Beginning a yoga practice as an older says. “If you go in and have a 20-year-
adult can be intimidating, especially old doing it perfectly next to you, you’re
if you’re out of shape or working with going to push yourself more than you
health conditions. Although you don’t should.”
want to jump into a 90-minute hot
yoga class with a group of younger If you’re considering starting a yoga
practitioners, starting a gentle practice routine post-50, scroll through the list
for beginners can be an excellent way to below for five health benefits of the
stay active and lower stress levels. Yoga ancient stress-relieving practice for older
can have a number of benefits for people adults.
over 50, from healthy bones to flexibility 1. You Get The Benefits Of Movement
to anxiety relief. Ninety-four-year-old — Without The Strain.
yogi Tao Porchon-Lynch swears by yoga
as a way to maintain a positive attitude, According to stress expert Dr. Kathleen
relieve stress and age gracefully. Hall, regular exercise reduces the risk
of death by a third and the cuts the risk
• Yoga is not only safe for older of chronic disease by 40 percent. Yoga
practitioners, but also effective in can be an excellent low-impact exercise
keeping the mind and body in good options that’s easier on the body than
health. If you’re thinking about starting a activities like running or weight-lifting.
yoga practice, make sure to find a class
and instructor who can meet your needs. • “Yoga helps people integrate an exercise
program into their routine without some
• “People can either find an individual of the downfalls that you can easily come
teacher to work with when they first start across in different training systems,” says
out, or find a studio that works with Norlyk Smith. “Yoga does offer strength
beginner classes, and see if they tailor training because you use the weight of
to people over 50,” Eva Norlyk Smith, your own body in may of the postures.
yoga teacher and Managing Editor at But unlike regular strength training,
YogaUOnline, tells Huff/Post50. because you’re not adding any weight,
• Starting up a new practice may come you’re less likely to get injured.”
easily to you if you’ve been fairly physically 2. Increased Flexibility.
active through your life, but if you’re out
of shape, don’t go straight for a walk- The gentle stretching of a yoga poses can

go a long way in helping you develop of 68, he said, “We did a bone mineral
greater flexibility, which can ensure that density (DEXA) scan, then we taught half
you maintain a good range of motion as of them the yoga, waited two years, and
you get older. A limited range of motion, did another scan. And not only did these
which naturally declines as the body people not lose bone, they gained bone.
ages, makes older adults predisposed The ones who didn’t do the yoga lost a
to falls and eventually get in the way of little bone, as you would expect.”
daily activities. 5. Yoga Keeps The Mind Sharp.
“Yoga exercises parts of the body that Taking quiet time out for yourself through
may not be exercised in any other a weekly or daily yoga practice can help
programs,” Norlyk Smith says. “One is relieve stress, and keep you centered
spinal flexibility... There’s a yogic saying and energized.
that ‘the body is as young as the spine is
flexible.’ I think that’s a reflection of the “When your body functions better, you’re
importance of keeping the spine pliable going to feel better,” says Norlyk Smith.
and keeping the circulation up in the “You’ll have more energy, more vitality,
spinal chord.” and most yoga practitioners will say that
regular yoga practice helps even out
3.
Yoga Can Relieve Menopausal one’s moods.”
Discomfort.
Would you ever take up a yoga practice?
Certain yoga postures can also help How do you keep active and relieve
ease the hormonal fluctuations of stress? Tell us in the comments below or
menopause. Try poses like The Bridge, tweet @HuffPost50.
Seated Forward Bend and Plow to relieve
uncomfortable symptoms of menopause,
from hot flashes to anxiety to painful • The benefits of yoga for seniors are much the
menstruation. same as those for the general population:
4. Promotes Good Bone Health. increased muscle tone, balance (which
is particularly important), strength, and
A gentle yoga practice is not only safe improved mood. Through pranayama
for those with osteoporosis, but it can (breathing exercises), lung capacity is
also be effective in preventing and increased. You can expect your posture to
slowing bone density loss, according to improve and you may sleep better.Jan 18,
medical director of Manhattan Physical 2019
Medicine Dr. Loren Fishman. Whether
you’re looking to prevent osteoporosis • Can you start yoga at any age?
or to relieve pain from an existing bone • No, You're Not Too Old for Yoga.
condition or fracture, gentle twisting Here's how yoga can benefit your mind
poses and stretches can be beneficial. and body at any age. When you think
“I know [yoga] can help because I’ve of yoga, you might immediately picture
done the studies,” Fishman, who has young, able athletes doing complicated,
done extensive research on yoga and picturesque poses. But, the truth is, yoga is
osteoporosis, told Huff/Post50 in a for everybody, regardless of shape, skill
previous interview. Referring to a study level, or age.
involving adults with an average age
*****

Shri. B.G. Dandekar, a Doyen of
SBI Pensioners’ Fraternity
When one speaks about Shri. B. G. alias (now Corporate Centre) of the Bank. During
Balasaheb Dandekar, he is automatically this period, he was associated with the work of
looked upon as a doyen of ‘SBI Pensioners’ preparing agreements for Bipartite Settlements
Association, (Mumbai Circle)’ as well as (including Desai Tribunal Work), wage
‘Federation of SBI Pensioners’ Associations’ revisions / negotiations, preparation of various
working for the SBI Pensioners at the national statements, collection of various information
level over two decades. He is most respected and data etc. While performing all these jobs,
personality not only among the fraternity of SBI he devotedly learned the minute details relating
Pensioners in Mumbai Circle but also at the All to all these issues and virtually earned the
India level. In true sense, he has been working name in these matters. This benefited him to a
hard as a torch holder for the SBI pensioners. He great extent while working in the Association /
is popularly known as ‘Dada’ (means an elder Federation.
brother). After seeking voluntary retirement in
He has worked on various posts in the Bank
1987 he immediately joined the SBI Pensioners’
and in many branches in Mumbai Circle.
Association, Mumbai Circle
During service, he was highly
and flung himself in to the
instrumental in establishing
Associations’ work. He has
‘Maharashtra Mandal’ in the
recently completed 90 years
LHO, Mumbai, on 14th October
of age and despite this,
1964. The ‘Maharashtra
he has still been guiding
Mandal’ was inaugurated at
the present Office Bearers
the auspicious hands of late
of the Association with full
Shri. Pralhad Keshav Atre, a
dedication. In the recent past,
versatile personality in almost
whatever important decisions
all the fields viz. all sorts of
have been taken by the Bank
Literature, Education, Politics,
in the interest of the Pensioners, resulting in to
Oratory, Film Production/Direction and what
monetary and other benefits, Shri. Dandekar
not. Late Shri. V. N. Nadkarni, Ex-Chairman of
along with Shri. S. B. Gokhale has played a
SBI and Late Shri. N. S. Kulkarni, ex-CGM and
very crucial role. Whenever the Pensioners’
Ex- President of Federation of SBI Pensioners’
Association was successful while fighting for
Association and SBI Pensioners’ Association
the cause of Pensioners, Shri. Dandekar had
(Mumbai Circle), were present for this
always a noteworthy share in their success.
programme. He was greatly instrumental
These facts are beyond doubt.
in successfully completing not only in time
Shri. Dandekar was born on the 16th November, but within the estimated cost, the first
1928 in Jambhulpada village of Raigad District Housing Society of the ‘SBI Employees’ in
in Maharashtra. After passing SSC examination the country. In May 1960, the Foundation
he served in a Government Department for two stone of this Society was laid down by Shri. P.
years and later on in 1951 joined Imperial Bank C. Bhattacharya, the then Chairman of SBI. He
of India, as a typist. From 1955 to 1974 he was was also fortunate to inaugurate this Society on
in Personnel Department of the Central Office completion in May 1961.

Shri. Dandekar, after retirement immediately the great work done by him, in the ‘Mumbai
started working for the Pensioners’ Association. Circle Annual General Meeting’ held on 6th
In forming the Mumbai Zonal Sub-Centre, July 2005, at Nashik, he was felicitated by
he had equal participation along with Late awarding ‘Late Shri. L. N. Pabalkar, Gold
SarvaShri. V. R. Kuddyadi and S. S. Pandit. Medal’. To a great extent, he was involved in
Initially he worked as a Secretary and President solving the problems as well as getting various
of Mumbai ZSC. Thereafter in Mumbai Circle benefits to the Pensioners while working in the
Association he was Joint Secretary for one year Association/Federation. He is having lion’s
and then he worked as a President from July share in securing the following benefits to the
1999 to July 2004. Pensioners:
Various qualities such as possessing in- I. 13-2-1992 - Bank introduced the system
depth knowledge of all the pension matters, of issuing "Pension Payment Advice" to
keeping abreast of the minute details of Pensioners.
Bipartite Agreements, willingness to work II. 10-2-1995 - There were complaints
hard, fervour to fight for the cause of from Members for not getting the usual
pensioners, ability to take all together and medicines from the Bank's dispensaries.
carry out the tasks, capacity to understand Hence the issue was taken up with Central
the opposite persons, passion to help the Office by our Federation. Therefore,
pensioners’ fraternity, etc. possessed by instructions were issued to all LHOs to do
him, helped him to work on the various the needful, and the Pensioners started
posts in the Federation for a very long getting medicines.
period of 22 years. This is evident from the
following details: III. 28-3-1995 - Pensionary benefits extended
to employees of Banks taken over by SBI.
Posts Held Period In this regard, Bhopal Circle Association
i) Secretary From 04.03.1990 to played prominent role to get the proper
02.05.1993 decision with the help of late Hon'ble Shri.
ii) General Secretary From 02.05.1993 to Madhavrao Scindia.
06.07.1999 IV. 12-5-1995 - After presenting some live
iii) Vice President From 06.07.1999 to cases, at our request the Bank agreed to
15.11.2005 extend the benefit of additional 30% of pay
iv) President From 15.11.2005 to (Maximum Rs.150/- p.m.) to pensioners
19.01.2009 whose pension was calculated on the
v) Adviser From 19.01.2009 to basis of salary scale prior to 1978/79.
30.03.2012 This benefit was also extended to Family
Pensioners from that group.
While working in the Mumbai Circle Association
and the Federation, Shri. Dandekar put very V. 18-5-1996 - State Bank of India Retired
hard work and took relentless efforts for getting Employees' Medical Benefit Scheme.
justice to the Pensioners and was instrumental (REMBS). After discussions with the
in getting many benefits for the Pensioners and Management of the Bank, the scheme
solving their long pending issues. In particular, was finalized. The scheme was opened
he was personally helpful in securing pension for Membership w. e. f. 1-7-1996. This
to many family Pensioners. In deference to was the greatest achievement of the
Federation.

VI. 28-5-1996 - The Bank accepted the formula advised in Government of India
suggestion of sanctioning of Family letter F. No. 1/5/91/IR dated 23-2-1999.
Pension while sanctioning pension to the
The formula is as under:
employee. The facility was also extended
to those pensioners who retired prior to a) Employees/officers having pay up to
1-11-1993. Incidentally, this suggestion Rs. 8,500/- p. m. 50% of the pay;
was made in Mumbai Unit's AGM. The b) Employees/officers having pay
Meeting was attended by Top Executives of exceeding Rs. 8,500/- p. m. 40%
Central Office. of the pay subject to minimum of Rs.
VII. 29-6-1996 - Following suggestions made 4,250/- p.m.
in the AGM of Mumbai Circle Pensioners' The above formula is applicable to those
Association were approved. pensioners whose pension was calculated on
a. Date of payment of Pension - Last but the salary where D.A. up to 1148 points was
4th working day, merged. No reason has been stated in the
above letter, why "40%" to a few employees.
b. Cheque book facility on pension
Similarly, when the salary scales were revised
account to be extended to Bank's
in 1992/93, why the formula is effective from
Pensioners,
1-3-1999”.
VIII. Commutation amount should be paid to
This scheme was implemented as per C.O.
legal heirs in the following circumstances:
letter No. CDO/PM / 16/CIR/34 of 31-10-
a. If a pensioner dies after medical 2000. Though unsatisfactory, senior most
examination, but before the sanction officers' pension (Basic) increased from
of commutation and 28.71% to 40.00% of basic pay. (Basic pension
increased from Rs. 4,250/- p.m. to Rs. 5,920/-
b. If a pensioner dies after the
p.m.) This was only due to serving a notice
commutation is sanctioned but before
through Advocate. However, revision based
it is credited to his / her pension
on similar to above formula has been done in
account.
respect of all who retired after 31-10-2002.
The above was approved only after Revision of pension in respect of employees
pointing out a few "live cases". who retired after 31-10-2002 has been done
c. We also pointed out another in consultation with both the Federations of
case where a pensioner applied serving staff.
for commutation, however, in It is worth mentioning that Shri. Dandekar, did
medical examination his age was not confine his deep and thorough knowledge
increased resulting in decrease of Pension with himself only. During the period
in ‘Commutation Factor. In such 1974 to 2004, he published a detailed article
circumstances, pensioner should consisting of 14 chapters in ‘Samvad’ (the in-
have right to withdraw the application house monthly publication of SBIPA’s Mumbai
for commutation. This proposal was Circle) for information of our Pensioners. He has
also accepted by the Bank. taken efforts even to incorporate the information
IX. 31-10-2000 - GOI directed the Bank to about Pension right from the year 1805 (i. e.
revise the pension w. e. f. 1-3-1999 as per during the period of ‘Bank of Bengal’), various

schemes of Pension, how cases with Corporate
to calculate pension with Centre and helped
detailed examples etc. those Pensioners to solve
All this information would their problems. He has
serve as a guiding torch guided the Pensioners’
to the present employees Associations of other
of the SBI. Circles on various
Shri. Dandekar is always aspects as during
described by many of that time some of the
our Pensioners as an Associations were in
encyclopaedia on Pension nascent stage. He has
matters and held in high esteem. A few years a peculiar habit of keeping records not only
back he developed very weak eyesight. He was of important matters but even of petty matters.
not able to read or write for almost a period of Even after having a telephonic conversation
two years. It is pertinent to mention that despite or discussion he would note down the details
this serious ailment he did not sit idle. During in the diary and follow up the matter with the
this precarious condition also, he used to work concerned persons. He is an ardent follower of
very hard by getting the papers / documents punctuality, discipline, neatness etc.
read through the other Office Bearers (mainly
Late Shri. B. P. Khare from Thane). He used to In pretty old days there was no system of
dictate them the important and urgent matters. discussions / negotiations between the
Later both the corneas of Shri. Dandekar were Pensioners and the Bank Executives. The doors
replaced. This indicates his passion to help the for discussions / negotiations were opened by
Pensioners. In his speech he always appeals for the Bank Management in 1989, only after the
eye donation. establishment of the Pensioners’ Associations/
Shri. Dandekar lost his wife three years back. Federation. The decision of the Supreme
However, this has never affected his work Court in 1988 to grant 50% pension to the
and he continued to work for the Pensioners’ 4th and 5th BPS Pensioners, in a case filed by
Association. In September 2017 Mumbai the IBI Pensioners’ Association (Delhi Circle)
Circle Association had their 43rd Annual helped open the Bank’s doors for discussions/
General Meeting at Aurangabad and this was negotiations. Therefore, when the discussions
attended by Shri. Dandekar. He was felicitated started with the Bank Management on the
specially in this AGM. Even at this age, he has various issues of Pensioners, since beginning
been attending the Circle Association’s ‘Circle the participation of Shri. Dandekar was very
Managing Committee’s Meetings’ at Thane important as he was well versed with the
where he stays. pensioners’ issues. He has an ability to convince
While working as a General Secretary of the the opposite party through discussions, that too
Federation, he has done tremendous hard in a calm manner. He has been maintaining
work. He used to invariably attend the Annual good rapport with the Bank Officials. Because
General Meetings of other Circle Associations of his studious nature and negotiating skills he
and tried to understand the difficulties of those has been able to sort out number of important
Pensioners. After coming back to Mumbai, issues although the Federation/ Association has
he would without any hesitation, follow the no recognition by the Bank.

Shri. Dandekar has maintained good Ex- President of SBIPA, Mumbai Circle, for his
relationship with the leaders of Working Staff unstinted cooperation while working in the
Federations so that they can help in solving Federation. He places on record deep gratitude
the problems of the Pensioners. Towards this for good amount of cooperation extended by
end he has made lot of correspondence with Shri. K. S. Dhande and Late SarvaShri. V. R.
these leaders and tried very hard with the only Kuddyadi, N. S. Kulkarni, S. G. Rabade and
intention of solving the most important issue of B. P. Khare, then Treasurer of Federation. He
50% pension. Unfortunately, during the initial is also thankful to Shri. S. B. Gokhale, Senior
period his efforts hardly bore any fruits. But Vice-President of the Federation & the President
all his efforts have now started bearing fruits of SBIPA, Mumbai Circle and all his team
since now these leaders of the Federation of members.
working Officers/Staff have started realising
Last but not the least Shri. Dandekar is also
that in a period to come they would also be
highly obliged to his wife Late Sau. Kamalatai,
facing the same problems which the Pensioners
Son Shri. Shrikant, and Daughter-in-law Sau.
are facing today. Therefore, these leaders are
Deepti, as without their support, he could
now taking up the issues of the Pensioners with
not have done so much of hard work and
the concerned authorities.
dedication for the cause of the Pensioners.
Shri. Dandekar always make a special mention
Let us wish a very healthy, contented and
of SarvaShri. Late B. R. alias Bhaskarrao
long life to Shri. Dandekar.
Gadre, (Ex-CGM), the Ex-President of the
Federation and P. S. Santhanakrishnan (Ex-
DMD), Ex-President of the Federation, to whom “Jeevet Sharadaha Shatam”
he is highly obliged as from both of them he Vilas Gandhe, (Retired AGM),
always received guidance while working in the General Secretary, SBIPA (Mumbai Circle),
Bank as well as Association / Federation. He Pune.
specially thanks Shri. V. M. Gokhale, (Ex-DGM), M- 9371218775
*****

BHUTAN - A consoled myself assuming it was a blessing in
disguise.
country with After about two and half hours of travelling

our plane landed at Paro airport, the only
abundant 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
Natural Beauty as it is surrounded from all sides with high
mountains and full of greenery. Hence it is
It was in November 2018 when we were difficult for landing. Due to little dangerous
standing in a que at the Delhi airport for but difficult nature of the airport the pilots
cheking-in, for a Paro (Bhutan) bound ‘Druk from Bhutan are considered among the 10
Air’ flight. The person on the counter asked best (country wise) pilots of the world. It was
me which side seats you want? Since I had no very cold out-side when we landed there and
attraction for window seat, I just told him ‘Any the cool breeze welcomed us. The Paro river,
seat will do.’ He allotted us right hand side one of the main tributes flows adjacent to the
seats. I was happy as most of the passengers airport along the main road leading to Paro
from our group had been allotted right side city. All the walls of the airport buildings had
seats and our seats were behind each other. So, been painted with conventional paintings and
I thought we can chat with each other so that arts of Bhutan. From inside also all the walls
the journey period of two and half hours could have been painted beautifully in Bhutani’s art.
not be a boring one. On the lines of the proverb ’Charity begins at
home’ we found the airport very neat and clean
After a period of almost 45 minutes from take- both from outside as well as inside. When we
off, the pilot informed that on the left-hand side entered the airport building for immigration,
of the plane you can observe the Himalayan we felt as if we were entering in to a beautiful
ranges and could see some of the famous and house. We could experience the hospitality,
important peaks. At this juncture, I realised why kindness of the people of Bhutan right from
I was given a choice at the time of checking in. immigration point.
So, I had lost a good opportunity, but it was
in vain now repenting. However, due to little In our group we were 14 tourists and the
cloudy weather the passengers hardly could company had hired a mini bus for us. There
enjoy the beauty of the Himalayan ranges. I 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
Paro Air Port relics, trekking spots, and

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
important names. e. g. ‘Druk From Paro we proceeded to
Air’, ‘Drukyul Hotel’ and so Thimphu, the capital of Bhutan.
on. The nation’s flag carries Then next day morning we went
a picture of a dragon. The to see the ‘Budha Dordenma
people of Bhutan have a Statue’. The bronze-gold
strong belief that the ‘Dragon’ Buddha Dordenma Statue is
would always protect them among the popular Bhutan
from all the evils. 90% of the tourist places. It is 169 feet tall
population is Buddhist. After statue of Buddha, built at the
experiencing these people for foot of the hills in Thimphu. This
about a week, I could make iconic gold and bronze statue,
out that the real meaning is visible from almost anywhere
of Buddha Religion i. e. Stupa (Chorten) at the entrance of the from Thimphu City. The entire
‘Budha Dordenma Statue’, Thimpu premises are very huge and has
calmness and non-violence,
peaceful nature has been fully been kept very clean and tidy.
understood by these people as they have been Outside the temple there are other attractive
following the various principles of this religion statues. Inside the temple, installation of one lac
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

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.
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
Wall painting of Buddha Religion Monastery i. e. ‘Punakha Dzong’ is like a fort
and one of the popular places to see in Bhutan.
been to ‘Mitithang Takin Reserve’. This is a Punakha Dzong is the second largest Dzong in
famous zoo in Bhutan. Takin is an animal looks Bhutan and is known for its brilliant structure.
like a ram and has been declared as ‘National It speaks volumes about the beautiful stories
Animal of Bhutan’. The Government has been and traditions of the Buddhist culture. The
taking maximum care to preserve this animal so main attractions were the intricate paintings
as to save from its extinction. The next attraction and the architecture of the fort, sacred relics of
was Dochula Pass. This is a most beautiful pass the southern Drukpa Lineage of Kagyu school
considering its panoramic view. It is located of Tibetan Buddhism, and the sacred remains
at a height of 10,500 ft. and consisting of of ‘Ngawang Namgyal’ and the ‘Tertön Pema
108 Chortens or Stupas, built in the memory Lingpa’. Adjacent to the Dzong flows a river
of the Bhutanese soldiers who died in a war which adds to the beauty of the place. Later
against the insurgents from India. This war was in the afternoon, we enjoyed the sensational
fought in 2003, by the Bhutan Army (for India) rafting in this river.
against the ‘ULFA’ organisation of Assam. The ‘Punakha Suspension Bridge’ is situated on the
beautifully built temples and stupas, with the ‘Pho Chhu’ river. It is 300 Mts. long but very
picturesque ‘Gangkar Puensum’ peak in the narrow and offers scenic views of the Punakha
background, makes the ‘Dochula Pass’ one of valley and surrounding mountains.
the best tourist places in Bhutan. Its panoramic
view gives a glimpse of the peak of the The next place was Paro City. This place has
sacred Himalayan mountain – ‘Chomolhari’. cultural importance. The palace of the king
Photograph of Mrs. & Mr. V. V. Gandhe at ‘Dochula Pass’ Dochula Pass with Chortens

‘Punakha Zong’ on the bank of the river ‘Mo Chhu’
is worth seen as it is famous for traditional from Paro. The original name of ‘Tiger’s Nest’
Bhutanese paintings. The ‘National Museum of is ‘Taktsang Monastery Paro’. The Monastery
Paro’ built in 1968 and set above the famous is located at an altitude of 10,232 ft. having
‘Rinpung Dzong’, known as the fortress on a beautiful hills in backdrop. It is one of the most
Heap of Jewels. ‘Rinpung Dzong’ is among popular and sacred monasteries of ‘Guru
the best tourist places and a classic example Rinpoche’. After getting down the Bus, we have
of Bhutanese architecture and deep-rooted to either climb up 3 KMs by foot or on a horse.
traditions. The National Museum exhibits Then the distance of 3.5 KMs has to be climbed
number of photographs of Indo-Bhutan up by foot only. After climbing around 2.5 KMs,
friendship right from the period of Late Shri one has to go down 450 steps in the valley and
Pandit Nehru till Shri Manmohan Singh, our Ex- then again climb up 250 steps. Then you reach
Prime Ministers with the Kings of Bhutan since the Monastery. While returning one has to get
long. The Museum also exhibits historical as down 250 steps first and then climb up 450
well as geographical information on Bhutan. steps. Thereafter, one can come down only by
From contemporary paintings to ancient foot as due to very steep/acute slope, horses
statues, the museum today houses about 3000 are not used.
masterpieces and exhibits more than 1,500
years of cultural heritage of Bhutan. From Paro There are two interesting legends related to the
we went to ‘Chellela pass’ which is located at ‘Tiger’s Nest. These are as under:
an altitude of 3989 Mts. It is famous for the
i) According to a legend related to this
magnificent panoramic view of the valleys,
Taktsang (which in Tibetan language is
gushing waterfalls, alpine flowers, and clouds
drifting above the hills. spelled ‘Stag Tshang’), which literally
means "Tigress lair", it is believed that
On penultimate day of our tour we had been ‘Guru Padmasambhava’ (Guru Rinpoche,
to ‘Tiger’s Nest’ which attracts the maximum founder of the ‘Meditation Cave’), flew to
number of tourists, in general and in particular this location from Tibet on the back of a
the Buddhist. Tourists from countries having tigress from Khenpajong. This place was
Buddha religion are visiting Bhutan particularly consecrated to tame the Tiger demon.
for this place. This place is situated 20 KMs According to the legend, Guru Rinpoche

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

to a very high level of purity/sacredness. This had to be very careful. He also told us not to
spiritual power energised and encouraged us throw any litter en-route the Tiger’s Nest as it is
to achieve our main objective of reaching to very difficult and very cumbersome to bring it
the destination. down. The same rule applied to plastic bottles.
In Bhutan consumption of tobacco, smoking
Since we visited in winter season there were
and use of plastic (with certain exceptions) have
large number of foreign tourists. Obviously,
been banned completely. It is interesting to
the majority were from south east countries
note that the people are following the rules
pursuing/following Buddha Religion.
religiously and found to be very particular
Bhutan is having 7 lac population and as about this.
compared to India, it is a miniature country in all
respects. Apart from the above description In Bhutan medical service is limited but it is
of our tour, the main objective of writing totally free. There is only one surgeon in the
this article is to bring to the readers’ kind country and there are ‘Primary Health Centres’.
notice that during our short stay of 6 days These centres are manned by Nurses who have
in Bhutan, we could learn and experience undergone training in India. These Nurses
so many good things from the people of treat the patients. The ratio of Male to Female
Bhutan. is 1:5. Therefore in hotels, shops, restaurants,
and at many such places including bars the
All the roads in Bhutan were found very clean girls or women are working. In the Hotels girls
and maintained in good condition, nowhere are lifting the luggage. After seeing this we felt
we could observe any litter or dirtiness. There very embarrassing but then the Guide told us
are no signals on any of the roads including that it is a common feature, so do not feel shy
the capital. The drivers of the vehicles, be it about this. The male and female have to wear
two/four wheelers, carrying goods, were not their conventional dress compulsorily at their
sounding horns. If sounded, it was a very rare work places. ‘Gho’ is the name for male dress
exception. All were observing self-discipline whereas ‘Kira’ is for female dress. The main
as even on main roads no traffic Police was currency is called ‘Nultrum’. The value of their
seen. While crossing the roads one has to currency is equivalent to Indian currency. So,
make use of zebra crossing only. This rule is our currency with same valuation is accepted
observed very strictly otherwise heavy fine is there. In Bhutan casteism is totally absent. Even
imposed. Two-wheeler auto vehicles were seen the King has to marry a ‘Bhutanese Girl’. The
rarely. In none of the cities we could observe present King in Bhutan has donated his palace
cluster or gathering of people gossiping. All to the Parliament and he has been staying
the day to day activities are being carried out
in a small bungalow. In almost all hotels,
smoothly and silently. People give importance
restaurants, shops, residences people are
to cleanliness everywhere. At each tourist place
displaying the photos of the King and Queen
there were ‘paid rest rooms’, means you have
or of the ‘Royal Family’. The people of Bhutan
to pay and use the wash room. All must make
have great respect for their King/Royal Family.
use of these paid rest rooms only. Even when we
When a baby is borne it is taken to their Monk
had been to ‘Tiger’s Nest’ our guide specifically
(Priest) for blessings and he names the baby.
advised us (rather warned) that after 3 Kms ride
there is a restaurant where there are rest rooms. During our stay in the Hotel, on one day a
We must make use of those rest rooms only as ‘Cultural Programme’ of young Bhutanese boys
thereafter the rest rooms could be located only and girls was organised. They exhibited their
in the premises of the ‘Tiger’s Nest. So, we conventional dances wearing different kinds

traditional dresses/constumes and masks. They right hand side seats of the plane. Luckily, all of
individually and in chorus sang some Bhutanese us got. We were fortunate as the sky was very
songs. While singing they made use of an clear and we therefore could enjoy the bird’s
instrument resembling ‘Santur’ in our country. eye view of the Himalayan Ranges almost for
All the songs they sang were very sweet and one and half hours. The pilot informed that
nice and liked by all of us. All of us enjoyed this we could see the famous peaks like Mount
programme presented by them with dedication. Everest, (8,848 Mts.) Kanchenjunga, (8,586
Mts.), Lhotse, (8,516 Mts.), Dhavalgiri, (8,167
The people of Bhutan largely respect
Mts.), Manaslu, (8,163 Mts.), Annapurna,
Indians. Normally, they will not hate or
(8,091Mts.), Jomolhari, (7,326 Mts.), and
envy anybody. They are very polite, happy
Gaurishankar, (7,134 Mts.). Needless to
and always found satisfied with whatever
mention politely that it was difficult for us to
they have, despite the fact that the country
recognise any of these peaks.
is very poor. They are ever ready to help
others. With all these qualities possessed Lastly, I could say that while returning from
by them they always remain happy and Bhutan, we brought with us sweet and
contended. Therefore, this country is also unforgettable memories of the happy people
known as ‘Country of Happy People’. of Bhutan. These sweet memories will keep us
always happy and satisfied, of course, subject
We are always on the forefront to imitate
to observing their life long values in our day to
the developed nations. However, we
day life.
should not feel shy to imbibe the above
mentioned simple but highly rich values Vilas Gandhe,
from developing nations like ‘Bhutan’ and
‘Shree Lanka’, our neighbours. General Secretary, SBIPA, (Mumbai Circle),
Pune
We returned to Pune via Delhi on 8th November
2018, after finishing our tour of 6 days. For (Retd. Asstt. General Manager),
our return journey we specifically asked for M- 9371218775
*****

Retirement Planning vs Post Retirement Investing
Very often a question is asked “Does retirement We will first showcase Risk Profiling and the role
mean only an attempt to meet expenses and it plays in Asset Allocation and then address the
manage cash outflow?” Traditionally, most myths surrounding age-based investing.
senior citizens only aspire to have retirement
Client Risk Profiling
plans that process to manage expenses and
contingencies which is nothing but capital Risk profiling is at the core of Wealth
protection as the centrepiece of an investment Management business. Risk profiling helps
plan. However, they should also aim to grow to understand how much risk an individual
their money in the safest manner. Let’s look at investor can take in order to achieve certain
how we can enable this opportunity. financial goals. It also enables the Wealth
Managers to better understand and further
Over the years age-based investing has become
advice the Investor based on his/her financial
an efficient way for financial services companies
requirements. Investor’s goals, time horizon,
to place investments options. We have a large
liquidity needs, and risk aversion, are the
base of Retirees & Pensioners as our Clients
key elements assessed by a Wealth Manager
with a long standing banking relationships.
while suggesting suitable investment options
The foundation of our Wealth Proposition is
and/or building efficient long-term investment
our Asset Allocation Model which is pillared on
strategies for investors.
matching Client Risk Rating (CRR) with Product
Risk Rating (PRR). With the evolution of Wealth Risk Profiling is based on two pillars of Wealth
Management Business Unit we have realised a Management i.e. “Risk & Return”. It is a method
key distinction between Post Retirement Planning to determine the optimum level of risk an
& Post- Retirement Investment. The average age investor is willing to take after considering his/
profile of our clientele is 50-55+; but our Risk her Risk Willingness (based on his/her Goal),
profiling tells us another story. Approximately Risk Appetite and Risk Tolerance.
47% of our Clients fall in the Risk Profile of
Aggressive to Very Aggressive.
Risk Willingness : A study of the Investors Financial Goals and the Time Horizon
to achieve the desired returns in future
Client 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
Risk his/her earning stability, number of dependents, net-worth & cashflow situation.
Profiling
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.

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
Fill Out Risk Determine

Score
Define Goal Profile Asset Implementation
Questionnaire
Questionnaire Allocation
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 PRR Asset Class/Category PRR

Liquid Funds 1 Banking & PSU Fund 2
Gold 2 Corporate Bond Fund 2
Large Cap Fund 3 Dynamic Bond Fund 3
Midcap Fund 4 Money Market Fund 1
Multicap Fund 3 Credit Risk Fund 5
Portfolio Management Services 5 Ultra Short Term Debt Fund 1
Alternative Investment Funds 6
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 BLOCK
TRANSACTION 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.

Myth #1: Your age is a good indicator of in conservative cash and money market options
your risk tolerance. a proxy to providing income flow for lifestyle
maintenance and 2) the surplus – which should
Age-based investing takes your age as a good
be invested as growth capital. Retirees can look
proxy for your risk tolerance, and hence your for a conservative asset allocation for the former
portfolio can shift over time between equities, while looking for moderate to aggressive asset
fixed-income and cash based on your age. allocation for the excess capital to plan for
But we believe that beyond capital protection, inheritance, luxury, etc.
there should be an opportunity to be relatively
aggressive to grow one’s money. 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 We advise Retirees/Pensioners to remain
Products. cognizant of their Risk Profile Rating and
This is not true. Portfolio structure should be ensure adherence to the same by all financial
intermediaries while investing. Clients should
based on an investor’s risk tolerance and factor
review their Risk Rating at least once a year
in three main considerations: risk willingness
and proactively keep their Wealth Managers
(based on his/her Goal), risk appetite and
updated of any change in their Risk Rating on
risk tolerance. Individuals have an innate risk
account of shift in goals or appetite.
tolerance, and their risk perception may change
over time. SBI Wealth wishes you all a happy investing and
happy times ahead!!!
To conclude, we would like to draw a distinction
between Retirement Planning as means to an
end and Post – Retirement Investing. While the Shri Giridhara Kini
former is an accumulation plan, the latter is a
CGM Wealth
capital growth plan. The asset allocation of each
life-stage differs. The Retirement Corpus of a Wealth Management Business Unit
Retiree should be bifurcated into 1) Investment State Bank of India
*****

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De©Ce kegÀceej [vee³ekeÀ
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mene³ekeÀ cene heýebOekeÀ ( mesJeeefveJe=le)
42, je³eue heece, ieérve neFìdme, ef$euebiee, Yeesheeue F&cesue : swarangan38@gmail.com

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. Dearness Relief for the months August 2019 to
No. (as applicable) 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
iv) Above Rs. 2130.00 Rs. 21,216.47 + 278.97% of aggregate of Basic
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 Dearness Relief for the months August 2019 to
No. 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
Dearness Relief payable to Pensioners
Who Retired on or after 1.11.1997 / 1.4.1998 up to 31.10.2002
Sr. Basic Pension Dearness Relief for the months August 2019 to
No. January 2020 (Average Index – 7167)
(Slabs – 1370)
i) Upto Rs. 3550.00 328.80%
ii) Rs. 3551.00 to Rs. Rs. 11,672.40 + 274.00% of Basic
5650.00 Pension in excess of Rs. 3550.00
iii) Rs. 5651.00 to Rs. Rs. 17,426.40 + 164.40% of Basic
6010.00 Pension in excess of Rs. 5650.00
iv) Above Rs. 6010.00 Rs. 18,018.24 + 82 .20% of Basic

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 219.42%
January 2020
(ignore decimals from 3rd place onwards)
Dearness Relieft Open Sioners
Who Retired on or after 1.11.2007 up to 31.10.2012

No. of Slabs 1082
January 2020
(ignore decimals from 3rd place onwards)
Dearness Relieft Open Sioners
Who Retired on or after 1.11.2012

No. of Slabs 681
January 2020
(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.

Bank Day Collage
1st July, 2019

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.

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Second Innings September 2019

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

Index of Contents Invitation

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 3

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

Shri Badal Chandra Das, Retirement

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 5

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 7

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 9

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

Mr Chowdari Prasad worked as Accountant-

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 11

As part of Sustainability Initiative, our

Announcement Foundation and Ministry of Environment

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 13

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 15

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 17

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

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

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 21

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 23

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 25

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 27

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

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 31

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 33

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

country with After about two and half hours of travelling

abundant airport in Bhutan. The airport is located at a

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 35

‘Budha Dordenma Statue’, Thimpu

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 37

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 39

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 41

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

Fill Out Risk Determine

Asset Class/Category PRR Asset Class/Category PRR

Myths : Age-based Investing

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 43

Myth #2: All individuals of the same age

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

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 47

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

Second Innings | Apr.19 To Jun.19 & Jul.19 To Sep.19. 49

Average Index (CPI) for quarter ended June 2019 7167

Average Index (CPI) for quarter ended June 2019 7167

Average Index (CPI) for quarter ended June 2019 7167

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

1st July, 2019