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new dynasty usually produces some capable rulers to begin
with and then tails off into incompetents.
CMD skips PM's function
Why was a Chairman-cum-Managing Director (CMD) in a Public
Sector Undertaking (PSU) conspicuous by his absence at a
Prime Minister's function? Is he ill or is some other reason?
NPA... Now Pillaged Assets..
Whenever I pass Juhu Beach I stop for Narial Pani. And
when I pass Chowpatty
I have to stop for Malai Kulfi...
Today happened to be such a day... I'm sipping Narial
Pani at Juhu when a man in a totally dishevelled state approaches
Dishevelled Man: Sir can you buy me a Narial Pani..
Me: I indicate to the Narial Pani vendor and soon this
guy is desperately sucking the straw> You seem thirsty
...have another one..
DM: Sir please don't think I'm a beggar ..a few months back
I ran a 25 Cr unit ... I took a Loan from a PSU Bank to
fund the unit...
M: Seems the Unit went belly up. .. or were you cheated..
DM: Both....initially all was fine then a new Branch Manager
got onto my case ..
M: Let me guess you defaulted on the loan ultimately
DM: The new BM would keep demanding something everyday ...and
then one day he made me an offer ...he said a friend of
his was interested in my Unit ....he wanted to construct
a Commercial Building on the Site where my factory stood...
M: Seems you refused...
DM: Right ....and then started my Unit's downturn...everyday
I was verbally asked to come to the Branch with some info
...made to wait a couple of hours. ..on so many occasions
Cheques I deposited in the Drop Box went missing ...some
days a lot of info was asked for ....I was told Head Office
wanted this info...everyday I was spending 3 to 4 hours
in the Branch ...
M: Which means your work suffered ...
DM: Business went down... to cut it short... soon my Unit
was declared Sick...I approached the Bank and offered to
raise money via sale of a plot ...the BM asked me to submit
details ...but then forced me to pledge the plot as additional
collateral ... soon I was declared a Wilful Defaulter and
recovery proceedings started ...this process was totally
opaque...I was living in a rented house ...sold 3 cars to
clear business debt ....lost the Unit and my plot ... had
to send my family to my In- Laws... I am now a vagabond
... sometimes I get work .... the auction too was fixed
...otherwise my properties would have netted much more ...
3 Bidders... BM's friend ...and 2 were clearly dummy Bidders
...and the auctioneer seemed in a tearing hurry to 'hammer
M: So sad...
DM: But what angers me is the news that Banks have written
off NPAs ....more than a lakh crore ... its like taking
an eraser and clearing the debt... why did they not do this
in my case .......its obvious the debtors could not repay
and the collateral they gave was grossly inadequate ...so
someone in the system connived...in my case they put my
pic in defaulter ads.... now why doesn't Government take
out ads for written off NPAs ... Name of Defaulter ... Default
Ammount + Interest Bank ..... Branch ...... Branch Manager
and CMD of the Bank at time of Loan Approval...at least
fix some responsibility. ..name ... shame and fix some blame
M: I understand your hurt but what you demand is not
going to happen...
DM: Alas ...I know .... in this Country if you want to steal
or default ...do it big time ...then the system works for