68 years of independent india - … breeze/august...bad giving this lecture, when a 14 year old girl...

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Shriram City - News Letter - Breeze - 1st August 2015

“Those who deny freedom to others deserve it not for themslves.” - Abraham Lincoln

1st AUGUST 2015

As India completes 68 years of independence on 15th August 2015,

Breeze takes the opportunity to wish all SCUFians a very

Happy Independence Day

68 years of Independent India

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A Tribute to Dr. A.P.J. Abdul Kalam

July 2015 saw the passing of one of the most revered and respected

Indians of our time, Dr. A.P.J. Abdul Kalam. Former President of India and

eminent scientist, his humility, intellect, and passion have been an in-

spiration for at least two generations of Indians. As the nation mourns

his demise, Breeze takes this opportunity to share an inspiring message

from Dr. Kalam which did the rounds on media, titled “Letter to every

Indian”. May his soul rest in peace and his vision for India become a re-

ality in the days to come.

Letter to Every Indian

Why is the media here so negative? Why are we in India so embarrassed to recognize our own

strengths, our achievements? We are such a GREAT NATION. We have so many amazing success

stories but we refuse to acknowledge them.

Why?

We are the first in milk production. We are number one in Remote sensing satellites. We are the sec-

ond largest producer of wheat. We are the second largest producer of rice. Look at Dr. Sudarshan ,

he has transferred the tribal village into a selfsustaining, selfdriving unit..

There are millions of such achievements but our media is only obsessed in the bad news and failures

and disasters. I was in Tel Aviv once and I was reading the Israeli newspaper. It was the day after a lot

of attacks and bombardments and deaths had taken place. The Hamas had struck. But the front page

of the newspaper had the picture of a Jewish gentleman who in five years had transformed his de-

sert into an orchid and a granary. It was this inspiring picture that everyone woke up to. The gory de-

tails of killings, bombardments, deaths, were inside in the newspaper, buried among other news. In

India we only read about death, sickness, terrorism, crime.

Why are we so NEGATIVE?

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….Contd.

Another question: Why are we, as a nation so obsessed with foreign things?

We want foreign T.Vs, We want foreign shirts. We want foreign technology. Why this obsession with

everything imported. Do we not realize that selfrespect comes with selfreliance? I was in Hydera-

bad giving this lecture, when a 14 year old girl asked me for my autograph. I asked her what her goal

in life is.. She replied: I want to live in a developed India. For her, you and I will have to build this de-

veloped India.

You must proclaim, India is not an underdeveloped nation; it is a highly developed nation.

YOU say that our government is inefficient. YOU say that our laws are too old. YOU say that the mu-

nicipality does not pick up the garbage. YOU say that the phones don't work, the railways are a joke.

The airline is the worst in the world, mails never reach their destination. YOU say that our country

has been fed to the dogs and is the absolute pits. YOU say, say and say.. What do YOU do about it?

Take a person on his way to Singapore. Give him a name 'YOURS'. Give him a face 'YOURS'. YOU

walk out of the airport and you are at your International best.

In Singapore you don't throw cigarette butts on the roads or eat in the stores. YOU are as proud of

their Underground links as they are.. You pay $5 (approx. Rs 60) to drive through Orchard Road

(equivalent of Mahim Causeway or Pedder Road) between 5 PM and 8 PM. YOU come back to the

parking lot to punch your parking ticket if you have over stayed in a restaurant or a shopping mall

irrespective of your status identity. In Singapore you don't say anything, DO YOU?

YOU wouldn't dare to eat in public during Ramadan, in Dubai. YOU would not dare to go out without

your head covered in Jeddah. YOU would not dare to buy an employee of the telephone exchange in

London at 10 pounds (Rs 650) a month to, 'see to it that my STD and ISD calls are billed to someone

else. YOU would not dare to speed beyond 55 mph (88 km/h) in Washington and then tell the traffic

cop, 'Jaanta hai main kaun hoon (Do you know who I am?). I am so and so's son. Take your two bucks

and get lost.' YOU wouldn't chuck an empty coconut shell anywhere other than the garbage pail on

the beaches in Australia and New Zealand. Why don't YOU spit paan on the streets of Tokyo? Why

don't YOU use examination jockeys or buy fake certificates in Boston ??? We are still talking of the

same YOU.

YOU who can respect and conform to a foreign system in other countries but cannot in your own.

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….Contd.

YOU who will throw papers and cigarettes on the road the moment you touch Indian ground. If you

can be an involved and appreciative citizen in an alien country, Why cannot you be the same here in

India ?

In America every dog owner has to clean up after his pet has done the job. Same in Japan .. Will the

Indian citizen do that here? We go to the polls to choose a government and after that forfeit all re-

sponsibility. We sit back wanting to be pampered and expect the government to do everything for us

whilst our contribution is totally negative. We expect the government to clean up but we are not go-

ing to stop chucking garbage all over the place nor are we going to stop to pick a up a stray piece of

paper and throw it in the bin. We expect the railways to provide clean bathrooms but we are not go-

ing to learn the proper use of bathrooms.

We want Indian Airlines and Air India to provide the best of food and toiletries but we are not going

to stop pilfering at the least opportunity. This applies even to the staff who is known not to pass on

the service to the public. When it comes to burning social issues like those related to women, dowry,

girl child! and others what do we do? We make loud drawing room protestations and continue to do

the reverse at home. OUR EXCUSE? 'It's the whole system which has to change, how will it matter if I

alone forego my sons' rights to a dowry.'

So who's going to change the system? What does a system consist of? Very conveniently for us it

consists of our neighbours, other households, other cities, other communities and the government.

But definitely not ME & YOU. Nobody thinks of feeding the system. Our conscience is mortgaged to

money.

Dear Indians, The article is highly thought-inductive. It calls for a great deal of introspection and

pricks one's conscience too.

I am echoing J. F. Kennedy's words to his fellow Americans to relate to Indians 'ASK WHAT WE CAN

DO FOR INDIA, AND DO WHAT HAS TO BE DONE TO MAKE INDIA WHAT AMERICA AND OTHER

WESTERN COUNTRIES ARE TODAY'.

Let’s do what India needs from us.

Thank you …

Dr. A.P.J. Abdul Kalam

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The Star of the Month section in Breeze is an attempt to showcase and appreciate

the efforts of our employees who have put in exceptional performances. We hope that this

section will motivate and inspire all our readers!

In the August 2015 edition of Star of the Month, we wish to highlight the achievement

of Mr. Shivaji Falke (Area Recovery Manager) in the Nashik Division, Maharashtra.

Mr. Shivaji Devidas Falke joined Shriram City’s Khamgaon branch as a Field Officer –

Recovery & Verification, in October 2011. With sheer hard work and dedication, he has risen

to his current position as the Area Recovery Manager of Nashik Division.

He is the “STAR PERFORMER” of Maharashtra for the period April to June 2015. His

major achievement in this period has been that he has brought down the Hard Bucket cases

in the Two Wheeler segment from 203 Nos. to 174 Nos. – an excellent recovery from 29

customers. The performance and support of his team is also to be appreciated.

We congratulate Shivaji Devidas Falke for his efforts and leadership, and wish him the very

best for the future.

Star of the Month

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Did You Know Series (DYKS) - 24

The details and rules of the DYKS are as follows:

Each issue will contain 3 multiple answer questions

All staff members are eligible and are encouraged to reply to the questions

All replies to be sent only to [email protected]

The mails should be sent from the official mail ID of the employee.

The response mail should be as follows:

The name of the staff from whom the first correct response comes will be published in the subsequent issue of ‘Breeze’. This will be done for each of the states.

======================================================================

SNo. Required Information

1 Employee Name 5 Branch code and name

2 Employee Number 6 State

3 Designation 7 Answers:1

4 Email ID 2

S

N Question Answer

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A customer completes his loan and applies for his NOC.

You call the client and inform him to collect it form the

branch. Agreed time is 5.00 p.m. the next day. But you get

caught up in a meeting at the said time. What will you do?

(A) I shall diarize the request. Before I go to the

meeting, I shall request my colleague to I shall

handover the NOC to the client at the said time.

2 A customer wants to foreclose his loan and he requests you

to provide the foreclosure amount details. In the detail

which you provide him what all charges is contained in it?

(B) Arrears of Amounts due + future principle +

Broken period Interest + foreclosure charges.

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A customer’s PDC gets return due to the reason “Cheque

overwriting”. While paying the installment, the customer is

asked to pay the Cheque bounce charges, but he claims that

only the SCUF staff has filled the cheque. How will you

avoid the problem?

(C ) At the time of collecting the documents, the client must be asked to fill in the PDC’s. If we assist the client in filling the PDC’, we should exercise caution. Only after complete filling of all the PDC’s, signature should be obtained from the customer.

S. No. State Count of

responses S. No. State

Count of

responses

1 Tamil Nadu 5 6 Jammu & Kashmir 1

2 Maharashtra 20 7 Uttar Pradesh 1

3 Kerala 1 8 Uttarakhand 1

4 Haryana 1 9 Rajasthan 3

5 New Delhi 1 10 HO - Chennai 2

PART III – State wise correct responses to Quiz in July 2015 Issue

PART II – Answers to Quiz of July 2015 issue

mailto:[email protected]

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By:

Sri D. Srinivasan (Sr. Manager)

BPR, Santhome

S.No State Name S.No State Name

1 Tamil Nadu A. Esakki Ravathi 6 Jammu & Kashmir Amit Rana

2 Maharashtra Imran Khan 7 Rajasthan J. Sunil

3 Uttar Pradesh Satish Mishra 8 New Delhi Rachna Devi

4 Uttarakhand Naval Kishore 9 Haryana Meenu Sharma

5 HO - Chennai K.N. Thiyagarajan 10 Kerala Harsha Hariharan

PART IV – State wise 1st correct response to Quiz in July 2015 Issue

1) What is the purpose for which Reference details are taken for a loan?

A) To keep in touch with the client for doing more business

B) To know the whereabouts of the customer if he is absconding

C) Not required at all

D) Just for name sake

2) A customer approaches the branch and advises that he has cleared all his installments and requires an NOC. The branch staff notices that 1 EMI is pending as per ledger. But the client shows his Bank statement and proves that he has paid all his installments. Investigation reveals that one EMI payment was not credited to the customer ledger by us. What will you do?

A) Will identify and pass the credit into the ledger. Approach seniors for approval of waiver of BC and ODC and issue the NOC.

B) Will identify and pass the credit into the ledger. But will require the client to pay the BC and ODC.

C) Will ask the customer to speak to the branch manager for waiver.

D) Will ask the customer to pay the entire outstanding immediately if he requires an NOC.

3) Customer comes to the branch complaining that installments were deducted twice from his account for that particular month. Ledger confirms the excess collection of 1 EMI. The customer insists on refund of one of his installment. What will we do?

A) I will inform the customer that the excess installment will be taken for the next month’s install-ment and hence there is no need for refund.

B) Will tell the client that the excess amount will be adjusted towards the last installment.

C) Will tell the client that if he defaults in any future installments this amount will be taken to-wards charges for those defaults.

D) Will refund the amount to the client.

PART V – Quiz for August 2015

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Vitamins for Life

Vitamins are necessary for good health, and are required to perform a variety of life-

giving functions. It must be remembered that Vitamins can only perform their jobs when

taken in conjunction with minerals , zinc, potassium, phosphorus etc. There are three things

to remember about vitamins:

Vitamins help regulate the metabolism and assist in the process that releases energy

from food

Vitamins are micronutrients, meaning that the body needs them in relatively small

amounts

Vitamins are co-enzymes which means that they work with enzymes to carry out the

chemical reactions that are the foundation of our bodily functions.

Here’s a quick look at nutrient rich foods that we can incorporate in our diet:

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...Contd.

Contributed by:

Sunny Nair (Asst. Manager)

Logistics, Navi Mumbai

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Editorial Committee

Shri K.Subramaniam

Senior Consultant, CO, Mylapore

Smt M.Subhashree

TED., BSC, Santhome

Sri M.Radhakrishnan

Consultant, BSC, Santhome

Sri D. Srinivasan

Sr. Manager, BSC, Santhome

Ms. Teena Philip

Business Manager, BSC, Santhome

Communication Address:

Editorial Committee,

(News Letter—Breeze)Shriram

City Union Finance

144, Santhome High Road,

Chennai—600 004

Phone: 044 43925300

Email:

[email protected]

A parting thought

Freedom is a possession of inestimable value.Freedom is a possession of inestimable value.Freedom is a possession of inestimable value.

-- Marcus CiceroMarcus Cicero

68 years of independent india - … breeze/august...bad giving this lecture, when a 14 year old girl...

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