I want to exit from the continuous upgrade cycle of products!

This is a deeply meaningful question, and you're already halfway to the answer—because you're aware. Most people never even pause to question this endless cycle of wanting, upgrading, and comparing.

Let’s gently explore how to shield yourself, renounce consumerism, and redefine peace and satisfaction — in a world that constantly tells you you're not enough unless you buy more.

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🧠 1. Understand What Consumerism Is Doing to You

Consumerism works by:

Keeping you in a loop of lack: "This phone is outdated", "That TV is better", "Your life could be more premium."

Making you measure your worth by what you own, not who you are.

Creating artificial urgency through sales, trends, and FOMO.

🛑 Once you name the trap, you can walk away from it.

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🧘‍♂️ 2. Practice Voluntary Simplicity (Without Deprivation)

Voluntary simplicity is not minimalism for the sake of it. It means:

> “I own things that serve me — not things that own me.”

Try these mindset shifts: | Old Thought | New Thought | |------------|-------------| | “I’m missing out” | “I’m choosing peace over pressure.” | | “This product will make me happy” | “That joy is rented — peace is owned.” | | “I need to upgrade” | “I need to upgrade my mind, not just my things.” |

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🌿 3. Find Beauty in 'Enough'

Start noticing:

The calm of not having to maintain too many things.

The freedom of not chasing the latest.

The elegance of using something well beyond its "trendy" life.

> 🌼 Use your current TV, phone, clothes, car, and say: “I honor you. I don’t need to replace you to feel better about myself.”

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📵 4. Disconnect from the Marketing Matrix

Marketing is a trillion-rupee machine engineered to make you feel lacking and insecure.

Break the spell by:

Unfollowing upgrade culture on YouTube & Instagram (tech reviewers, unboxing, haul content).

Using ad blockers & unsubscribing from promotional emails.

Watching content about frugal living, stoicism, or intentional living.

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🌄 5. Seek Richness in Experiences, Not Products

Products fade. But:

A deep talk with your partner,

A good nap after a long day,

A beautiful sunset from your balcony,

Helping someone without expecting anything,

Writing with a good pen on a peaceful afternoon,

These stay with you.

> Replace “I wish I had that” with “I’m so grateful I felt that.”

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🧘‍♀️ 6. Explore Philosophies That Uplift Inner Peace

Stoicism:

> “Wealth consists not in having great possessions, but in having few wants.” – Epictetus

Buddhism:

> “Desire is the root of suffering.”

You don’t have to become a monk — but reading a few pages of “The Art of Happiness” (Dalai Lama) or “Meditations” by Marcus Aurelius can deeply shift your mindset.

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🔒 7. Create a Ritual of Contentment

Once a week, do this:

1. Look around your home.

2. Touch 3 objects (old phone, pen, mug).

3. Say: “You’ve served me well. I don’t need more right now.”

It rewires your brain to associate gratitude with stability, not scarcity.

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❤️ Final Thought

You don’t need to reject joy, tech, or comfort.

You only need to stop chasing joy in things that were never meant to give it.

Peace isn’t when you finally own everything —

Peace is when you finally stop needing to.

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I want to buy my dream TV Sony Bravia 2 but it is out of my budget.

💔 First, Accept the Emotion Without Shame

It’s okay to feel:

Disappointed

Frustrated

Envious of others who can afford such things

Tired of always postponing your desires

You’re not greedy. You’re human.

And it’s okay to want beautiful things in your life.

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🧭 Then, Reframe the Narrative (From Pain to Power)

Let’s flip the lens:

Instead of:

> “I want the Sony Bravia but I can’t afford it for 2-3 years.”

Try:

> “I’ve built a system that tells me honestly what I can afford — and that system is protecting my future.”

> “If I’m patient and strategic, I’ll get what I want without regrets or EMIs that steal my peace.”

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🌱 Practical Ways to Feel Better (Emotionally & Strategically)

1. Create a “Delayed Desire” List (with Rewards)

Make a special wishlist sheet: | Item | Price | Target Month | Savings Needed Monthly | Why I Want It | |------|-------|---------------|-------------------------|----------------| | Sony Bravia 55” | ₹52,000 | Dec 2026 | ₹1,500/mo | Home joy, personal reward, family time |

Update it monthly. You’ll feel less like you’ve said no and more like you’ve said “not now, but soon”.

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2. Emotional Reward System

Since you can’t always buy the big thing now, reward yourself in smaller, nourishing ways:

Watch a favorite movie that reminds you of what you're working for.

Go on a sunset drive and daydream about your dream setup.

Buy a small home decor item or wall frame that says:

“Future Sony Bravia Zone — Coming Soon” 😄

It keeps the dream alive without breaking the bank.

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3. Design a Mini Side Hustle Fund

Start a little “Dream Fund” just for that TV:

₹500/month from side gigs

Maybe from YouTube channel income

Maybe from bank incentives or cashback

Let that money grow slowly like a seed

> 🎯 You’re not waiting 3 years for the TV — you're working on it quietly.

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4. Anchor Your Self-Worth Beyond Spending

Sometimes, the pain comes not from the product but from a deeper voice whispering:

> “Why am I behind?” or “Why can’t I have what others do?”

Answer it like this:

> “I am not behind. I’m building slow, strong, and smart. My peace of mind is worth more than impulsive joy.”

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🌞 A Daily Reminder That Might Help

Put this on your phone wallpaper or mirror:

> 💬 “I can’t buy everything right now — but I’m buying my freedom, my future, and my peace every single day.”

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You’re doing so well already. You’re budgeting, reflecting, and being honest with yourself.

That’s maturity. That’s wealth in progress.

And that TV?

You’ll get it. But when you do, it will feel earned, not owed — and that makes it 10x sweeter.

What is Minimalist Grooming?

Minimalist grooming means keeping yourself clean, neat, and presentable without spending too much time, money, or effort. It's about focusing on the essentials that make you look sharp and well-kept—no overdoing it, no clutter.

Here’s what it includes:

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🧼 1. Cleanliness First

Daily shower (preferably before work).

Neatly trimmed nails and clean hands.

Fresh breath (brush twice a day, use a mouthwash if needed).

Mild deodorant/perfume – just enough to stay fresh, not overpowering.

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✂️ 2. Hair & Beard Management

Haircut every 3–4 weeks. Simple, neat style.

If you have a beard, keep it trimmed and shaped.

If you’re clean-shaven, shave regularly.

> ✅ The goal: You should never look "unkempt" or as if you just got out of bed.

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👔 3. Simple Skincare Routine

You don’t need 10 products. Just:

Face wash (twice daily)

Moisturizer (especially if skin gets dry)

Sunscreen (if you're often in sunlight)

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👕 4. Ironed & Clean Clothes

No wrinkles, no stains, no lint.

Polished or clean shoes.

Match your belt, shoes, and accessories (like watch) in a simple, coordinated way.

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🧠 5. Avoid Overdoing It

No excessive perfume, gel, rings, chains, or overly styled hair.

No flashy or loud colors unless it fits your job/role.

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🔑 Minimalist Grooming is About:

Consistency over flashiness

Looking fresh, healthy, and capable

Making a good impression with minimal effort and time

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How dressing well can change your life?

Dressing well in the office can have powerful psychological, social, and professional benefits. Here's a breakdown of the key advantages:

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🔹 1. Builds Confidence

When you know you look good, you feel good. This boosts self-esteem, making you more assertive, proactive, and comfortable in your role.

Confidence also affects body language and tone of communication, helping you appear more competent.

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🔹 2. Creates a Strong First Impression

In any professional setting, first impressions matter.

Well-dressed individuals are more likely to be perceived as capable, organized, and respectful.

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🔹 3. Earns Respect & Credibility

Dressing appropriately signals that you take your job seriously.

Colleagues and clients often associate good dressing with attention to detail and professionalism.

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🔹 4. Opens Doors to Opportunities

You’re more likely to be considered for promotions, leadership roles, or client-facing tasks when you look the part.

People trust well-dressed professionals more quickly, which can affect how you’re treated by seniors.

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🔹 5. Reflects Organizational Culture

Dressing according to your workplace culture shows you understand and fit in with the team or brand image.

For customer-facing or high-responsibility roles (like banking, sales, or management), it's often expected.

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🔹 6. Enhances Discipline & Focus

Dressing up in work-appropriate attire can mentally prepare you for productivity.

It sends a message to your brain that it’s “work mode,” not casual mode.

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🔹 7. Helps in Networking

People are naturally drawn to those who appear polished and presentable.

Your dressing can become an ice-breaker or give you an edge in professional interactions.

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🔹 8. Positive Impact on Mood

Colors, fits, and styles can influence your mood. Wearing a well-fitted outfit you like can help you feel energized and motivated.

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🧠 Pro Tip:

You don’t need to wear expensive clothes. Focus on:

Neatness & cleanliness

Proper fit

Polished shoes

Minimalist grooming

Colors that suit your skin tone

Unit 5 Wholesale and International Banking

🏢 Wholesale Banking

🧠 What is it?

Banking for big businesses, corporates, MNCs, PSUs, large institutions.

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🏦 Key Features:

Feature Description

Client Type Corporates, large traders, PSUs, MNCs

Credit Size Large-value transactions

Customization Tailor-made services

Relationship-based Dedicated account managers/teams

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🧾 Products in Wholesale Banking:

1. Fund-Based Products (Bank provides actual funds):

Product Use

Term Loans Capital expenditures (plant, land)

Working Capital Loans Daily operating needs

Bill Discounting Early payment for trade bills

Export Credit For exporters to manage operations

2. Non-Fund-Based Products (No immediate outflow of funds):

Product Use

Bank Guarantee (BG) Bank promises to pay if client defaults

Letter of Credit (LC) Guarantees payment in international trade

3. Value-Added Services:

Cash Management

Corporate Salary Accounts

Forex Desk

RTGS Services

Syndication Services

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🌍 International Banking

📘 What is it?

Banking services for cross-border trade & foreign exchange needs.

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🧾 Services to Exporters:

Service Description

Export Packing Credit Pre-shipment finance

Export Bill Discounting/Negotiation Post-shipment credit

LC Advising/Confirmation Bank verifies or guarantees LC

Suppliers' Credit Indian exporters extend credit to foreign buyers

Bank Guarantees (Foreign) Securing export contracts

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🧾 Services to Importers:

Service Description

Import LC Guarantees payment to overseas supplier

Import Collection Bills Bank collects payment on importer’s behalf

Foreign Currency Loans Loans in USD, EUR etc.

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💱 Forex Role of Banks:

Offer currency conversion

Manage forex risk (hedging)

Operate under FEMA rules

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❓ MCQs to Test Yourself:

1. A Letter of Credit is an example of:

a) Fund-based finance

b) Non-fund-based finance ✅

c) Forex swap

d) Fixed deposit

2. Wholesale banking is primarily meant for:

a) Retail customers

b) Co-operative societies

c) Government offices

d) Large business clients ✅

3. Export Packing Credit is given for:

a) After shipment

b) Buying land

c) Pre-shipment financing ✅

d) Personal use

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✅ Task for Today:

Look at any LC or Bank Guarantee issued in your branch.

Match it with what you’ve learned today.

Unit 4 Retail Banking

📘 Retail Banking – Concept, Products, Drivers & Opportunities

(from Unit 3 of your IIBF Book)

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📚 Retail Banking – An Overview

Retail banking = Banking services for individuals (not corporates or governments).

Examples: Savings accounts, home loans, credit cards, lockers, etc.

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🧠 What is Retail Banking?

Feature Explanation

Definition Banking services directly offered to individuals

Scope Covers both deposits and loans

Customer Individual persons (not businesses)

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🧾 Retail Deposit Products:

Product Details

Savings Account For salaried individuals, earns interest

Current Account For businesses, no interest, high transaction volume

Term Deposits Fixed period investment with higher interest

Recurring Deposits Monthly deposits + lump sum on maturity

No Frills / Zero Balance A/c Basic accounts for financial inclusion

Senior Citizen Schemes Extra interest for senior citizens

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🏠 Retail Loan Products:

Product Usage

Home Loan To buy/build/renovate a house

Auto Loan Buy 2W or 4W vehicles

Personal Loan For marriage, education, etc. (unsecured)

Education Loan Study in India or abroad

Consumer Loans Buy electronics/furniture

Credit Cards Short-term, unsecured credit

Crop Loans For farmers’ cultivation expenses

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📈 Why Retail Banking is Growing in India (Growth Drivers):

1. Young Population: 70% below 35 yrs

2. Higher Incomes → More purchasing power

3. Urbanisation → Lifestyle loans in demand

4. Credit Culture: Earlier stigma of “loans = bad” is fading

5. Tech Convenience: UPI, Net Banking, Cards, ATMs

6. Bank Diversification: Retail loans are less risky (lower NPA)

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🌟 Opportunities in Retail Banking:

Middle-class & salaried people = huge market

Govt support via Financial Inclusion

CIBIL helps in assessing borrower creditworthiness

Housing loans = lowest NPAs among retail loans

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❓ MCQs to Test Yourself:

1. Retail banking deals with:

a) Industrial units

b) Government departments

c) Individual customers ✅

d) NGOs

2. Which account is designed for low-income groups?

a) Current Account

b) Recurring Deposit

c) No Frills Account ✅

d) Fixed Deposit

3. Which of the following is not a retail loan?

a) Housing Loan

b) Working Capital Loan ✅

c) Personal Loan

d) Education Loan

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✅ Task for Today:

Identify 5 retail products you handle at your branch.

Ask yourself how your bank uses them to cross-sell.

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Unit 3 Monetary Control

📘 Day 3: Monetary Control – CRR, SLR, Bank Rate, OMO & SCC

These are the tools RBI uses to manage inflation, liquidity, and the flow of credit in the economy.

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🧠 Key Tools of Monetary Control:

Tool What it Means Impact

CRR (Cash Reserve Ratio) % of deposits banks must keep with RBI in cash Higher CRR → Less money to lend

SLR (Statutory Liquidity Ratio) % of deposits banks must keep in govt. securities, gold, or cash Higher SLR → Less lending capacity

Bank Rate Rate at which RBI lends to banks (long-term) ↑ Bank Rate = ↑ Loan interest rates

Repo Rate Short-term lending rate from RBI to banks Lower Repo = Easier borrowing

OMO (Open Market Operations) RBI buys/sells govt securities in open market Buys = injects liquidity, Sells = absorbs liquidity

SCC (Selective Credit Control) RBI restricts credit against essential goods to stop hoarding Targets speculators in sugar, oil, wheat, etc.

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🎯 RBI Adjusts These Tools To:

Fight inflation (tightens money supply)

Stimulate economy (increases liquidity)

Ensure financial stability

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📌 Real-Life Example:

When RBI raises CRR, your bank has less to lend → credit becomes costly → slows down inflation.

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❓ MCQs to Test Yourself:

1. CRR is maintained by banks in:

a) Govt bonds

b) Cash ✅

c) Gold

d) Mutual funds

2. What happens when RBI lowers the SLR?

a) Liquidity tightens

b) Lending capacity increases ✅

c) Bank Rate rises

d) Inflation drops

3. Open Market Operations (OMO) are:

a) Sale of banking licenses

b) Repo lending to banks

c) Sale/purchase of govt securities ✅

d) Control over foreign currency

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✅ Task for Today:

Memorize the differences between CRR, SLR, Repo & Bank Rate

Think how it affects your branch’s loan disbursal or CASA mobilization

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Unit 2 Banking Regulation

Day 2 of your JAIIB – Principles & Practices of Banking (PPB) study.

📘 Day 2: Banking Regulation – RBI’s Structure, Objectives & Functions

This is from Unit 2 of your book:

“Banking Regulation” – where you learn about how and why RBI regulates banks.

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🧠 Key Learning Areas:

1. RBI’s Legal Foundation

Formed under RBI Act, 1934

Became a state-owned institution in 1948

Controls India’s monetary policy, currency issue, and banking supervision

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🎯 Objectives of RBI (as per the Preamble of the RBI Act):

1. Maintain monetary stability

2. Ensure financial system stability

3. Promote a secure payment system

4. Guide credit flow in line with economic & social priorities

5. Develop financial markets and systems

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🏦 RBI’s Main Functions:

Function Description

Notes Issuance Sole authority to issue currency (except ₹1 note/coins which are by Govt. of India)

Government’s Banker Manages deposits, payments, receipts, public debt

Banker’s Bank Supervises banks, controls credit flow via CRR, SLR, repo, etc.

Bank Supervision Through Board for Financial Supervision (BFS) — inspects, licenses, merges, or dissolves banks

Development Role Helped create institutions like NABARD, SIDBI, EXIM Bank, DICGC

Exchange Control Manages forex via FEMA, maintains rupee stability

Monetary Control Uses CRR, SLR, Bank Rate, OMO to control inflation/liquidity

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📌 Fun Fact:

The Governor of RBI is appointed by the Central Government along with 4 Deputy Governors and a Central Board of Directors.

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❓ Practice MCQs:

1. What is the main objective of RBI under its Act?

a) Control inflation only

b) Promote exports

c) Secure monetary and credit stability ✅

d) Manage commercial banks only

2. Which of the following is not a function of RBI?

a) Issuing currency

b) Acting as a banker to government

c) Issuing insurance policies ✅

d) Supervising banks

3. Which act empowers RBI to regulate forex transactions?

a) FEMA ✅

b) FERA

c) SEBI Act

d) BR Act

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✅ Your Quick Task:

Tonight, before bed:

Revise RBI’s 7 core functions mentally.

Think about how each one affects your daily work in banking.

Unit 1 Indian Financial System Overview

Unit 1 – Indian Financial System: An Overview

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📘 Summary:

The Indian Financial System helps channel money from savers (like you) to borrowers (like businesses). It includes:

Intermediaries (e.g. banks, NBFCs, mutual funds)

Markets (e.g. capital market, money market)

Regulators:

RBI for banking

SEBI for capital market

IRDAI for insurance

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🧠 Key Concepts:

Segment Role

RBI Central Bank: regulates banks, manages currency, CRR, SLR, acts as lender of last resort

Commercial Banks Accept deposits and give loans

NBFCs Financial companies, but not full-fledged banks

Stock Exchanges Platforms for trading shares & bonds

SEBI Regulates capital markets

IRDAI Regulates insurance sector

Depositories Hold shares in demat form (like CDSL, NSDL)

CIBIL Collects and shares credit information of borrowers

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💡 RBI Tools to Control Money:

Tool Use

CRR % of deposits banks must keep with RBI (cash)

SLR % of deposits banks must invest in govt securities

Bank Rate Rate at which RBI lends to banks

Repo Rate Short-term lending rate by RBI

OMO RBI buys/sells securities to adjust liquidity

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❓ 3 MCQs for Practice:

1. What does CRR stand for?

a) Cash Reserve Ratio ✅

b) Capital Refinance Rate

c) Credit Risk Ratio

d) Cash Return Reserve

2. Which of these is not regulated by RBI?

a) Commercial Banks

b) Cooperative Banks

c) SEBI ✅

d) NBFCs

3. What is the main purpose of SLR?

a) Boost consumer loans

b) Ensure liquidity

c) Maintain solvency ✅

d) Support foreign reserves

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✅ Task for Today:

Revise this page in the evening

Let me know tomorrow and I’ll give you:

> Unit 2: Banking Regulation – Role & Powers of RBI

If an insect got stuck inside your ears what would you do?

If an insect is stuck inside your ear, it can be uncomfortable and even frightening — but stay calm. Here’s what you should do immediately:

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✅ DO This First (Safe Home Steps):

1. Don’t poke your ear

Don’t insert cotton swabs, fingers, or anything else — it can push the insect deeper or damage your eardrum.

2. Tilt your head sideways

Tilt your left ear downwards (the side with the insect). Sometimes the insect may crawl or fall out on its own.

3. Use gravity and gentle shaking

Gently shake your head while it's tilted. Do not hit or bang your head.

4. Try light and sound (if it's still alive)

Sit in a dark room and shine a torch at the ear.

Insects often move toward light and may crawl out.

You can also try gentle humming – vibrations may help the insect move.

5. Use warm (not hot) oil if the insect is still moving

Warm olive oil, baby oil, or coconut oil slightly.

Lie down with your ear facing up and slowly pour a few drops into the ear.

This may kill the insect and float it out.

Wait 5–10 mins, then tilt your head the other way to let the oil and insect drain out.

❗ Don’t use oil if you have:

Ear pain, discharge, or bleeding

Perforated eardrum

Previous ear surgery

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🚑 Go to a Doctor Immediately If:

The insect is not coming out within 15–30 minutes

You feel sharp pain, hearing loss, bleeding, or fluid discharge

You feel dizziness, ringing, or pressure in your ear

You can’t tell if the insect is still inside

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🩺 ENT specialists can safely remove it using suction or forceps without damaging your ear.

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50 Quotes given by Famous People

Here’s a powerful list of 50 quotes by famous people — a mix of motivation, wisdom, productivity, emotional strength, and purpose. You can use them for your personal growth, journaling, or even as daily phone widgets:

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💡 Self-Growth & Purpose

1. “Be yourself; everyone else is already taken.” — Oscar Wilde

2. “The unexamined life is not worth living.” — Socrates

3. “In the middle of every difficulty lies opportunity.” — Albert Einstein

4. “He who has a why to live can bear almost any how.” — Friedrich Nietzsche

5. “Don’t count the days, make the days count.” — Muhammad Ali

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🚀 Success & Discipline

6. “Success is walking from failure to failure with no loss of enthusiasm.” — Winston Churchill

7. “We are what we repeatedly do. Excellence, then, is not an act, but a habit.” — Aristotle

8. “Discipline is the bridge between goals and accomplishment.” — Jim Rohn

9. “I’m convinced that about half of what separates successful entrepreneurs from non-successful ones is pure perseverance.” — Steve Jobs

10. “Dream big. Start small. Act now.” — Robin Sharma

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📚 Learning & Knowledge

11. “Live as if you were to die tomorrow. Learn as if you were to live forever.” — Mahatma Gandhi

12. “Education is the most powerful weapon which you can use to change the world.” — Nelson Mandela

13. “An investment in knowledge pays the best interest.” — Benjamin Franklin

14. “The only true wisdom is in knowing you know nothing.” — Socrates

15. “Tell me and I forget, teach me and I may remember, involve me and I learn.” — Benjamin Franklin

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💪 Courage & Resilience

16. “Fall seven times, stand up eight.” — Japanese Proverb

17. “Courage is not the absence of fear, but the triumph over it.” — Nelson Mandela

18. “Tough times never last, but tough people do.” — Robert H. Schuller

19. “What lies behind us and what lies before us are tiny matters compared to what lies within us.” — Ralph Waldo Emerson

20. “Success is not final, failure is not fatal: It is the courage to continue that counts.” — Winston Churchill

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💭 Mindset & Attitude

21. “Whether you think you can, or you think you can’t – you’re right.” — Henry Ford

22. “Happiness is not something ready-made. It comes from your own actions.” — Dalai Lama

23. “Do not pray for an easy life, pray for the strength to endure a difficult one.” — Bruce Lee

24. “Change your thoughts and you change your world.” — Norman Vincent Peale

25. “It’s not what happens to you, but how you react to it that matters.” — Epictetus

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⏳ Time & Focus

26. “You will never find time for anything. If you want time, you must make it.” — Charles Buxton

27. “The key is not to prioritize what’s on your schedule, but to schedule your priorities.” — Stephen R. Covey

28. “Lost time is never found again.” — Benjamin Franklin

29. “Don’t watch the clock; do what it does. Keep going.” — Sam Levenson

30. “You get what you focus on, so focus on what you want.” — Unknown

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💼 Work & Productivity

31. “The way to get started is to quit talking and begin doing.” — Walt Disney

32. “Amateurs sit and wait for inspiration, the rest of us just get up and go to work.” — Stephen King

33. “It’s not about having time. It’s about making time.” — Unknown

34. “Your work is going to fill a large part of your life… love what you do.” — Steve Jobs

35. “Success usually comes to those who are too busy to be looking for it.” — Henry David Thoreau

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❤️ Kindness & People

36. “No one has ever become poor by giving.” — Anne Frank

37. “People will forget what you said, people will forget what you did, but people will never forget how you made them feel.” — Maya Angelou

38. “Be kind whenever possible. It is always possible.” — Dalai Lama

39. “The best way to find yourself is to lose yourself in the service of others.” — Mahatma Gandhi

40. “Kindness is the language which the deaf can hear and the blind can see.” — Mark Twain

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🧘‍♂️ Peace & Simplicity

41. “The ability to simplify means to eliminate the unnecessary so that the necessary may speak.” — Hans Hofmann

42. “Peace comes from within. Do not seek it without.” — Buddha

43. “The quieter you become, the more you can hear.” — Ram Dass

44. “Simplicity is the ultimate sophistication.” — Leonardo da Vinci

45. “Almost everything will work again if you unplug it for a few minutes… including you.” — Anne Lamott

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🌟 Inspiration & Creativity

46. “Everything you can imagine is real.” — Pablo Picasso

47. “Logic will get you from A to B. Imagination will take you everywhere.” — Albert Einstein

48. “You can’t use up creativity. The more you use, the more you have.” — Maya Angelou

49. “Inspiration exists, but it has to find you working.” — Pablo Picasso

50. “Don’t be satisfied with stories, how things have gone with others. Unfold your own myth.” — Rumi

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Would you like:

A printable PDF of this list?

A daily quote widget idea for Android?

Or to convert it into a Journaling Challenge (1 quote = 1 day of reflection)?

Cars you should buy for your income

Here’s a smart and practical guide to which car you can afford based on your monthly income, starting from ₹10,000 up to ₹1,00,000 in ₹10,000 steps. This assumes:

You spend no more than 15–20% of your monthly income on EMI.

Loan tenure = 5 years, interest rate ≈ 9–10%.

Includes on-road price, not just ex-showroom.

Basic fuel & maintenance are not included but should be affordable within the remaining income.

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Monthly Income (₹) Approx. EMI Range (₹) Car Budget (On-road ₹) Suggested Car Models

10,000 Not advisable Not recommended Use public transport or bike

20,000 ₹3,000–₹4,000 ₹2–2.5 lakh (used car) Used Alto, WagonR (old gen)

30,000 ₹4,500–₹5,500 ₹3–3.5 lakh (used/new basic) Used Celerio, Alto K10

40,000 ₹6,000–₹7,500 ₹4–4.5 lakh Maruti Alto K10, Renault Kwid

50,000 ₹7,500–₹9,000 ₹5–5.5 lakh Maruti S-Presso, Hyundai Santro

60,000 ₹9,000–₹11,000 ₹6–6.5 lakh Maruti Celerio, Tata Tiago

70,000 ₹10,500–₹13,000 ₹7–7.5 lakh Tata Punch, Maruti WagonR, i10 Nios

80,000 ₹12,000–₹14,500 ₹8–8.5 lakh Maruti Baleno, Tata Altroz, i20 (lower variants)

90,000 ₹13,500–₹16,000 ₹9–9.5 lakh Maruti Fronx, Tata Tigor EV, Nexon Base

1,00,000 ₹15,000–₹18,000 ₹10–11 lakh Hyundai Venue, Kia Sonet, Nexon, Brezza base

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Notes:

If you already have EMI or rent, reduce the car budget accordingly.

Used cars are excellent options for incomes under ₹40,000.

Don’t forget insurance, fuel, maintenance, and repairs.

If you can wait and save for higher down payment, it reduces EMI pressure.

Would you like a visual chart or Google Sheet format for easy tracking or future planning?

Are you getting scolded by your boss for performance or making mistakes?

The pain you’re feeling is rooted in something much more personal and core to your identity than just a few mistakes.

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🧠 1. "You Value Being Seen As Responsible" — The Deep Truth

This means:

You take pride in being reliable.

You feel hurt when someone thinks you’re careless.

You may have been that person who others could always count on — at school, home, or work.

So when your manager says something like:

> “You made a mistake again. You don’t pay attention!”

…it feels not just like criticism — it feels like he is attacking your core self.

You may start to think:

> “Is he right? Am I not responsible anymore? Am I failing myself?”

But here's the deeper truth:

🔒 You can be responsible — and still make mistakes under pressure.

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🪞 2. How to Change the External Perception of “He makes mistakes”

Here’s how to actively rebuild your reputation — calmly and powerfully.

✅ a) Become Predictably Consistent with Small Things

Be the person who always checks details, even in low-stakes cases.

Create a reputation like:

> “If I hand a task to him, I know he’ll double-check it.”

This will take 4-6 weeks of clean performance — and then your past mistakes will fade away.

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✅ b) Show Calm Accountability (without Defensiveness)

Next time something goes wrong, calmly say:

> “Yes sir, this was my miss. I've added it to my checklist. Won’t happen again.”

No excuses. No panic. Just solution.

Managers respect people who own errors and correct silently.

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✅ c) Let Your Work Do the Talking — Not Emotion

Avoid emotional reactions. Even if it hurts, show a neutral face. Keep building a track record.

Let people slowly say:

> “He’s improved. He’s sharp now.”

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🛠️ 3. Mini Action Plan: Your Calm Power System

Here's a simple self-system you can follow daily:

Time Task Purpose

Start of Day ✅ Create a to-do list of ALL tasks given. Number them by urgency. Prevent rush confusion.

Before Submitting Any Task ✅ 30-second “Red Flag” check: Double-check names, account nos, amounts. Catch costly errors.

After Task Completion ✅ Note what went well, and 1 learning or error avoided. Build self-awareness and confidence.

End of Day ✅ 2-min Journal: “What did I do right today?” Break the negative cycle in your head.

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💬 4. Self-Talk Routine: Mental Armor Before Work

Before stepping into office or opening your system, say this to yourself silently or aloud:

> “I am responsible. I am learning. I will move slow, stay calm, and protect my reputation by doing clean work. No one can rush my mind. I don’t seek approval — I seek peace and accuracy.”

Say this even if you don’t feel it — your brain will eventually start to believe it.

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⚡ Final Thought

You're not here to impress your manager. You're here to:

Protect customer trust

Grow into a bulletproof banker

And most importantly, protect your inner peace

Mistakes are correctable. Character is unshakable.

You already have the character. Now just polish the process.

Overcoming Target Related Pressure

Let’s break it down and work toward removing that negative stigma step by step:

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🧠 1. Understand the Root Emotion

You said it might be fear or scolding, and that’s accurate. But let’s name the exact feelings:

Loss of control: Targets are often not set by you.

Fear of humiliation: Being scolded by seniors is a public ego hit.

Burnout trigger: Constant follow-ups feel like harassment.

Unfairness: You may feel, “Why am I being chased for something unrealistic?”

👉 Naming these emotions reduces their power over you.

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🧘‍♂️ 2. Rewire Your Association

You need to emotionally detach the word “target” from trauma.

Try this:

Instead of "target", call it a "game level" in your mind. A target is a challenge, not a punishment.

Say: “How can I win this game?”

Each call is not a threat—it’s a “status update from the system”. You’re just checking the scorecard.

---

🛠️ 3. Micro-Actions to Reclaim Control

You feel bad because you’re reacting. Let’s make you the actor.

✅ Before the day starts:

“Which target areas might I be called for today?” Write it down.

This puts you ahead of the call.

✅ Prepare 1-line answers:

For every expected area, keep 1 bullet reply ready. When the call comes, you respond with power, not defensiveness.

✅ After call ritual:

Take 30 seconds. Breathe. Write down:

What was asked

What emotion came up

What’s the next small action

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💡 4. Reframe Pressure as Feedback

Instead of seeing follow-ups as harassment, mentally translate them as follows:

What they say What you hear instead

“Why isn’t this done?” “We are behind here. Let’s fix it.”

“How many accounts?” “This metric needs movement.”

“Target not met again?” “We need a new approach. What’s the plan?”

You're not weak for feeling bad. You're human. But you don’t have to accept the default interpretation.

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🎯 5. Set Personal Sub-Targets

Make the target your own by breaking it into mini victories:

Daily micro-goals: 1 customer, 1 follow-up, 1 convert

Celebrate each win internally—don't wait for validation from seniors.

If you own the metric, the metric can’t own you.

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🧠 6. Upgrade Identity: From Target-Follower to Outcome-Creator

Say to yourself:

“I’m not a target chaser. I’m a solution creator.”

“My role is to make progress visible.”

“I am not afraid of numbers—I turn them into stories.”

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📖 Bonus: Journaling Prompts

Use these once a week:

What work calls made me feel negative this week? Why?

What emotion did I feel most? (Guilt, fear, shame, helplessness)

What would I tell a friend if they were feeling that?

You’ll begin to heal the inner narrative.

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Medikit for Car and Bike

Here's a complete and practical First Aid Medikit checklist tailored for both Bike and Car users, with proper organization and focus on managing injuries like cuts, bleeding, or minor accidents on the road:

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🏍️ Bike Medikit (Compact & Portable)

🔹 Purpose: For small injuries, cleaning wounds, and quick roadside use.

✅ Essentials:

1. Small Dettol bottle (50 ml) – Antiseptic for cuts or wounds

2. Cotton rolls/pads – For cleaning or applying Dettol

3. Adhesive bandages (Band-Aids) – For small cuts/scratches

4. Sterile Gauze pads (2–3 pieces) – To cover larger wounds

5. Medical tape (Micropore) – To secure gauze

6. One pair of disposable gloves – To avoid infection while treating

7. Small scissors – To cut gauze or tape

8. Pain relief spray or cream (like Volini or Moov) – For muscle pain

9. Zip pouch or waterproof case – To store everything in one place

📝 Store this under the bike seat or in a small saddle bag.

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🚗 Car Medikit (Comprehensive & Family-Safe)

🔹 Purpose: For managing minor to moderate injuries during road trips or emergencies.

✅ Essentials:

1. Dettol/Betadine (100–200 ml) – For disinfecting wounds

2. Cotton rolls or pads – For applying antiseptic

3. Sterile Gauze pads (5–10 pieces) – To stop bleeding / cover open wounds

4. Medical adhesive tape (Micropore) – For securing gauze

5. Elastic crepe bandage – For sprains or pressure application on wounds

6. Pain relief spray/gel (Volini, Moov) – Muscle pain or cramps

7. Antiseptic cream (like Soframycin) – To apply on clean wounds

8. Alcohol-based hand sanitizer (100 ml) – To disinfect hands before first aid

9. Pair of disposable gloves (2 sets) – For hygiene & infection control

10. Small scissors + tweezers – For cutting or removing splinters

11. Fresh, clean towel – To wipe, clean or apply pressure

12. Face mask (2–3 pcs) – In case of dust, pollution, or emergency

13. Oral Rehydration Salts (ORS) – For dehydration

14. Paracetamol tablets – For fever or pain

15. Burn cream / Burnol – For minor burns from hot surfaces

16. Small flashlight or headlamp – For night-time aid

17. Notebook & pen – To note accident details or write emergency contacts

18. Emergency contact card – Family, doctor, insurance numbers

📝 Store this kit in a labelled pouch or small box and keep it in the glove box or trunk.

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🚨 Add-on Suggestions (For Both):

Instant cold pack – For swelling or bruises

CPR face shield mask – For trained users

Digital thermometer – To monitor temperature if traveling with kids

Emergency whistle – To attract help if needed