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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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Shriram City - News Letter - Breeze - 1st August 2015
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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Shriram City - News Letter - Breeze - 1st August 2015
….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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Shriram City - News Letter - Breeze - 1st August 2015
….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
5
Shriram City - News Letter - Breeze - 1st August 2015
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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Shriram City - News Letter - Breeze - 1st August 2015
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
1
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.
3
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
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Shriram City - News Letter - Breeze - 1st August 2015
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
8
Shriram City - News Letter - Breeze - 1st August 2015
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:
9
Shriram City - News Letter - Breeze - 1st August 2015
...Contd.
Contributed by:
Sunny Nair (Asst. Manager)
Logistics, Navi Mumbai
10
Shriram City - News Letter - Breeze - 1st August 2015
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:
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