The struggle is real

Every person has it’s own philosophy

What suits you, belongs you

AS IT IS!!

Starting from Darwin’s theory of survival of the fittest proves to be true even today, as everyone is striving to live. An individual tries to apply his consciousness to prepare plans for the future. One wants to move things as he wishes to regardless of the consequences. The never-ending desires keep adding up to the list and lead the being into the vicious cycle. While philosophy is an attempt to satisfy these reasonable desires. It is not an amenity but a necessity. In a broad sense, it means “love of knowledge “and tries to understand things that remotely concern man.

Several fields deal with different questions regarding the universe and man. The two broad branches were divided based on the belief of Vedas. Those who believed in it were termed as orthodox and the others as heterodox. Every book tried to solve the questions in their way. However, Bhagavad Gita made an effort to bring the direction towards an end of desire.

The meaning of Bhagavad Gita is 'Lord's song.' The words which were spoken by Krishna to Arjuna on the battlefield of Kurukshetra later got written down in the form of this pious book. 

It begins with teaching Arjuna regarding the duty of the Prince to fight against evil. It gives a synthesis of the three paths of knowledge, action, and devotion. The fundamental focus is on the path of Nishkaam karma.

A middle way between pravriti and nivriti proves to be the ethical doctrine. Pravriti refers to the actions which one does to get the fruits in return. While, nivriti is the giving up of all the materialistic things and responsibilities to achieve a life of sanyasi. Therefore, nishkaam karma avoids the extremes and accepts the necessities of both the karma. It depicts that one should do work without any expectation of getting the same in return. A sense of detachment and duty should arise.

A person needs to have a mental state of equanimity. The actions should be done either for humanity or the devotion towards God.

Happiness is the only key to live a happy and healthy life. However, it is disrupted by the expectations raise due to the unfulfillment of desires. When a person starts following this journey of Nishkaam karma, it does not only benefit him but also the society. And in turn the struggle becomes saral.

To whom the pleasure and pain are the same, is fit for attaining immortality.

Internet Banking

The innovations of information technology and internet have opened the new horizons to the Banking service delivery to the customers. Banking services are available on the finger tips of the customer via Internet Banking. Internet Banking, Net Banking or online banking allows you to perform various financial and non-financial transactions in your account with a click of button without visiting branch or ATM. It offers you a whole lot of features that earlier available only with the branch

In today’s fast-paced life, you need on-demand banking solutions for a better lifestyle. Internet Banking service gives you complete control over fund in your accounts online. Say bid-adieu to long queues and tired teller counter clerk. Now do banking from the comfort of your home or office, vacations ANYWHERE and ANYTIME!

Internet banking allows banking user to get connected to it’s bank’s internet banking portal to perform desire banking functions. If you are a Bank customer then you can avail Internet Banking facility after having received secure access of your net banking account from your bank. After secure login you will have direct access to your account. All the banking functions, financial and non-financials, that bank has made available on the internet banking mode will be displayed in menu of your online user account. You can select to perform any transaction and further result will be as per the policy for the nature of the service.

Your internet banking works on the concept of data centralization in the core banking system and allowing restricted access through net banking channel.

You must be apprehensive about the safety and security of online banking. Nelito’s Internet Banking product has following features to make your banking safe and secure:

  • Internet Banking product is developed on SSL protocol and 128-bit encryption technology to provide a secure channel for data exchange – which keeps your online banking data secure and safe.
  • Customer login is also verified at 2 levels by userid-password combination and PAN Number or Date of Birth authentications.
  • 2 Factor Authentication (2FA) requires you to input OTP (One Time Password) sent only on to your registered mobile number for all key transactions.
  • Your login session gets expired after a certain period in case there is no activity in your logged in session. This secures any unauthorized access to your logged in session.
  • Tracking of wrong OTP and passwork attempts.

Thus your Netbanking is safe, fast and secure, enabling you to perform your banking transaction with total peace of mind .

Range of services and features on internet banking includes:

  • Account Balance of all accounts linked to your customer ID
  • View and Download account statement.
  • Fund transfer through NEFT & RTGS
  • Avail Different Deposit Schemes and Banking Services like insurance, credit cards, demand draft etc.
  • Cheque Status and Stop Payment Request
  • Pay government taxes
  • Pay online your utility bills like Electricity, Telephone, Subscription payments along with Charity and Donation.
  • Recharge your mobile/DTH connection.
  • 24 x 7 Money Transfer through IMPS
  • Set up standing instructions for transfer of fixed amount to be executed at fixed intervals.
  • Various non-financial transactions like cheque book request, profile change, KYC, inquiries 

Founder Of Dreams – Labours Of India

In 2020, there were around 501 million workers in India, the second largest after China. Out of which, agriculture industry consist of 41.19%, industry sector consist of 26.18% and service sector consist of 32.33% and of total labour force. Labours – the founder of dreams, yes they are because off course they are doing a lot for us. From school buildings to metro, they have done everything. The vegetables what we eat daily, it’s because of the farmers who do farming. The farmers who works all the day, only get a little money for their own work, in simple we can say that they earn their bread and butter after struggling a lot.
Just think about the doctors who wear PPE kit whole day just for our treatment. The national registry of Indian Medical Association (IMA) shows that 747 doctors have died of Covid-19. Dr. Jayesh Lele, secretary general of IMA, told The Indian Express that according to their registry, the highest number of such deaths were from Tamil Nadu (89) and West Bengal (80).
Now let’s think about the policemen who works all the day for our safety. As per Indian Police Foundation Data, 1,50,226 Covid cases have been reported among personnel of state police forces and CAPF so far. Apart from policemen and doctors, there are a large amount of social workers who lost  their lives due to Covid-19. More than 87,000 healthcare workers have been infected with Covid-19, with just six states – Maharashtra, Karnataka, Tamil Nadu, Delhi, West Bengal and Gujarat till Aug 29, 2020.

“The people who are the founder of our dreams are losing their lives rapidly”. Be there for them, help them and respect them.

Farm Laws 2020: Consequences and Implications

What are these laws?

The farm bills 2020 were combination of three farm bills that were brought by the central government as Ordinances in the early half 2020 with an aim of improving the dilapidated condition of the agriculture industry.

These were later passed by the Parliament of the country (which remains another contentious issue) and became a law by the assent of the President towards the end of the 2020 and are being protested against at large.

The three bills and the provisions are as follows:

  1. Essential Commodities Amendment Bill 2020

Provisions

This Bill states that there will be no regulations imposed on the stock limits until there is either 100% increase in the price of horticulture produce or 50% increase in the retail price of nonperishable agricultural items.

Aims

It is aimed at maximizing the number of cold store facilities and silos by involving the private players to store essential food commodities in the facilities available with them since the government alone cannot take care of the huge produce across the country in the limited spaces available.

Disadvantages and their feared consequences and implications

The biggest issue that is associated with the Bill is that there is a possibility hoarding by the large buyers thereby leading to an artificial scarcity and thus resulting in inflation (which any nation can ill afford).

  • The Farmers’ Produce, Trade and Commerce Bill 2020

Provisions

This is the most elaborate Bill amongst the three Bills that were tabled, it has provisions regarding the setting up of an electronic market, the contact farming that can be done only between a farmer and a sponsor, the methods of redressal, the setting up of a parallel market to the APMC markets independent of state interference and taxation, interstate trade and removal of all barriers and setting up of an “Price Information and Market Intelligence System”.

Aims

The aim of bringing this to the floor of the House was to increase competitiveness, removal of the middle men, shortening of the supply chains and proving the farmers with an alternative market structure which is tax free to help them sell and get better prices.

Disadvantages and their feared consequences and implications

The farmers and the workers of the APMC system fear that since a parallel market will be created with better benefits; their market may crash in a few years leaving the stakeholders at the mercy of the big corporate houses who will later exploit them by being the price makers, the natural death of APMC markets will not be responsibility of any government thereby rendering the people involved jobless, the state revenue will be majorly hit since the new market structure will not give them revenue as the provision of the tax has been ruled out( already the GST system has hit the state revenues), the small farmers will be still forced to sell at the Mandis because they do not have the capacity and finance to do interstate trade hence only the big farmers stand to benefit from this system.

  • Farmers’ (Empowerment and Protection) Agreement on Price Assurance and Farm Services 2020

Provisions

This Bill elaborately explains the provision of the contact farming, between whom can it be done, the terms of trade to be mentioned, the methods of redressal, etc.

Disadvantages and their feared consequences and implications

The most controversial provision is regarding the redressal where no civil court will have a say in the settling of the disputes between the parties involved in the contact farming. The settlement has a three-tier set up where first the Conciliation Board, then the Sub Divisional Authority and then the Collector will settle the disputes if none of the three work out only a Joint Secretary of the Government of India will be then able to have a final verdict. The farmers fear that the bureaucratic structure may not listen to them as they have less bargaining power, etc. The small traders will also risk themselves when entering into the contract as they will have to comply with all the rules and will be slapped with heavier penalties if they are at fault.

Advantages of the laws

The advantages are where the farmers cannot sign the contracts between themselves saving the small peasants working on the lands of big landlords from being exploited, in any circumstance the farmers’ land cannot be leased out to the sponsor if the farmer fails to fulfil the terms of the contract and is unable to pay the punishment fee.

Conclusion

In conclusion if we look at the larger picture then the major stakeholders like small and marginal farmers, the states, the small traders all stand to lose out in this process making this law non inclusive. The ills of the existing system of agriculture can be done away simply by making no changes in the familiar existing structure of the Mandis and setting up of a parallel market instead. The foremost step that the government should have taken was to change the structure such as facilitate irrigation, stop the overuse of groundwater for crops like paddy in water scarce areas of Punjab and Haryana, stop the burning of stalks by introducing scientific methods of clearing them to make the soil productive and fertile in natural ways, set up agricultural banks to facilitate the credit and set up agri schools for farmers to learn to increase the productivity and the capacity of production, implement the existing laws properly in the states(Bihar and Madhya Pradesh being some of the many) where the APMCs do not function and the contract farming takes place in order to set a good precedent which can eradicate the fears regarding the laws and the consequences and implications of them.