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  • 16th November 2020
    Go Beyond Survival Thinking
    There is a distinction between Survival and Survival Thinking. Many times in our life, we encounter challenges and problems that could significantly impact our experience in that moment of crisis.
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  • 14th November 2020
    The Marshmallow Test
    In the late 1960s and early 1970s, Stanford psychology professor Walter Mischel ran a fascinating social study known as the Marshmallow Experiment. In this study, a group of 32 children aged 3 to 6 years was put through a test of self-restraint. The experiment involved every kid being taken into an isolated room where a single Marshmallow was strategically kept on the table.
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  • 13th November 2020
    Are You Open Minded?
    Having an open mind towards everything that happens in our life can be very tough. Every one of us has some core beliefs and values, and we reinforce those throughout our lives by exposing ourselves to situations and people that represent similar values and beliefs.
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  • 8th November 2020
    Introspection
    In a conversation with a friend recently, a question cropped up. “We all have some self-improvement goals like being calm or being more organized, or not telling white lies or being disciplined about personal commitments, etc. But we keep slipping every so often on these goals. How do we course correct and come back on track when we slip up?”
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  • 7th November 2020
    Think Effectiveness, Not Just Efficiency
    Have you ever felt this way? You spend the day finishing many tasks, but somehow, you think nothing much has been done at the end of the day. There is a simple reason for this feeling. You were likely to be efficient instead of being effective. These two terms may sound similar, but there is a big difference between them. Efficiency is when you perform any given task, it doesn’t matter if it is important or not, in the most economical manner.
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  • 2nd November 2020
    Ease of GST Filings – A Boon for Lenders
    The 42nd Goods and Service Tax (GST) Council meeting was held on 5th Oct 2020 and the 43rd meeting on 12th Oct 2020, chaired by Finance Minister Nirmala Sitharaman, to discuss the GST compensation for state governments for FY21. Amidst all the speculations, the GST Council has however brought some relief to businesses intending to enhance Ease of Doing Business and improve the compliance experience.
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  • 26th October 2020
    Handling Fraud In A Digital World – A Pandemic In Its Own Right
    Everyone has been talking digital, something Financial Institutions wanted to do but in the foreseeable future. The pandemic changed this for everyone and brought it to the forefront. It has become the hot topic in most webinars and events today and we now accept that this change is irreversible . The flip side of jumping on the digital bandwagon is trying to get there too quickly and not recognizing the nuances that come with it.
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  • 20th October 2020
    Clear Your Mental Clutter
    “Pramod, having a cluttered table is bad Feng Shui. It blocks the free flow of the energy within you, and it will harm your performance”. This was a comment made by an ex-colleague of mine when he saw my workspace with piles of folders, books, magazines, and other Knick-knacks. Somehow that chance comment has stayed with me.
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  • 30th September 2020
    Three Paradoxes In Our Life
    When I am in coaching conversations, things get confusing sometimes. In some situations, the course of action could be “Be proactive, go out there, push or hustle,” and in some other situations, the course of action could be “Don’t push too hard. Give your best and let things pan out.”
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  • 28th September 2020
    Strengthening SME Lending with Multi GSTIN
    The turmoil in global markets has impacted multiple sectors with expected losses ranging from moderate to even significant. Ravi has manufacturing units of packaging materials in 9 states in India. Ravi's organisation is one amongst many of the banks' MSME customers who run their operations from various locations in India. Having operations severely impacted in 5 states, he reached out to bank(s) seeking immediate help for the survival of his business and was faced with an uphill task of convincing a growing list of circumspect lenders of his credit-worthiness under the prevailing business climate.
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  • 24th September 2020
    One-Time Loan Restructuring Dilemma
    The Supreme court directions on NPA classification post moratorium is a new challenge before lenders, while we await the final hearing on this. How can lender decide, which borrower to extend the facility, the one’s in stress need most help, but for lender there is the highest risk – can lender make big leap of faith, rely on past performance of the borrower than the current aberrations.
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  • 22nd September 2020
    Communication - It’s Your Bridge to Opportunities
    All of us need Opportunities to showcase our skills, capabilities, talent. But, where do Opportunities come from? They come from People who bring opportunities in our life. Opportunities don’t fall from the sky. Even if you believe in some higher power, destiny- those higher powers deliver the opportunities to us through people.
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  • 1st February 2020
    Be The Master
    There is a Buddhist saying that our mind makes an excellent servant but a terrible master. To relate to this saying, we need to acknowledge a simple fact.
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