Today we are going to discuss the remedies of missing numbers in the Lo Shu grid for making our lives happier and better. Each direction i.e East, West, North, South, NorthEast, Northwest, SouthEast,and SouthWest has the significance of its own and the grid identifies all numbers from 1 to 9 with the directions. For example; Number 4 is associated with southeast direction and number 9 is associated with the south direction.
The under noted Table-A has been prepared to guide you to the direction, element, and significance of each number. Any missing number in the grid reflects some deficiency in the energy that causes problems in your life. Let’s take the example of Ms. Rosy whose date of birth is 21/03/1985.
You will see that numbers 4, 6, and 7 are missing in the grid. From the Table-A given below, you will be able to establish that these numbers have great significance in one’s life. Ms. Rosy may find issues in her life inspite of a very strong 2, 5, 8 combination of Earth elements in the grid. Lo Shu provides a very simple remedy for this ill effect. Just watch for yourself:
Lo Shu No
career and life path
Install a Water Fountain or Aquarium, Hang a mirror, wall clock on the east side wall of the living room
Love and Relationship
Place a Small green plant or put up a green bulb on the southwest wall in the living room
Ancestral Blessings, Family
Keep a wooden pen or keyring with you or install a wooden clock, green scenery on the east side wall of your bedroom or a wooden dining table in the house
Wealth, Property and Savings
Keep a wooden pen, keyring with you. Install a wooden clock or Mountain pic without water on the southeast wall of your living room or a wooden dining table in the house
Wear crystal balls, Hang Crystal chandelier in the Hall:
Helpful People, Travel and Friends
Wear a Watch with a golden strap or install a Windchime with 6 goldenrods, a Yellow pyramid
Children and Creativity
Hang Silver metal wind chimes having 7 rods on the west side of the living room. Place a white pyramid or wear a watch with a silver strap
Knowledge and Wisdom: North East: Earth:
Wear a necklace or pendant of crystals. Keep a crystal lotus or crystal clock Or any small crystal show piece towards the Northeast side of your living room.
Fame and Aspiration
Put a red bulb in the South direction Or keep a red pyramid in this direction.
Hi Friends, explore the power of Lo Shu by finding your own problems and solving in minutes too!!
Disclaimer: The material and information contained on this website/Blog is for general purposes only. You should not rely upon the material or information on the website as a basis for making any business, legal or any other decisions. Any reliance you place on such material is strictly at your own risk and responsibility
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लाल किताब (lal Kitab) with basic features of vedic astrolgy provides solutions and remedies to the various problems confronted by individuals in everyday life. Easy, cheap and effective way of remedial measures has made this great book worth a place in the life of everyone.
A few easy remedies are appended below for curing the ill affects caused due to Malefic position of planets.
People settled abroad may not find rivers or flowing waters for performing certain remedies due to strict rules in those countries. They can perform all these activities in any temple or isolated place with complete devotion. However these remedies should continue for 43 days to get best results under lal Kitab
SUN: Remedies of Malefic Sun
Have a good moral Character
Worship Lord Vishnu, Lord Rama or Lord Krishna
Never accept anything in charity like Jaggery Gur, Wheat and Copper made items
Throw Gur/Copper/wheat in flowing water or bury in isolated place
Don’t have intimate relationship even with your wife during the day time
Start any auspicious work after taking sweets and drinking water
Blow off fire with milk than water
Main entrance of house should be in east. Seek Vastu assistance if its not possible
Moon:Remedies on Malefic Moon
Keep a vessel full of water or milk under your bed during night and pour the water in kikar tree
Serve your mother well and seek blessings every morning
Use silver utensils if possible
Dont get married at the age of 24
If moon in aries then don’t deal in dairy products
if in aquarious Rashi then worship lord shiva
Donate milk, rice or silver
Mars: Remedies of Malefic Mars
Float revris or batasha in the river or distribute sweets
Help your brother from time to time without public attention
Respect and Keep giving red clothes to bhua, sister or maternal aunt
Tuesday fast and donate Sindoor in Hanuman ji temple
Throw masoor dal, honey or sindoor in river
Mercury: Remedies of Malefic Mercury
Respectfully with folded hands float copper piece with hole in the river
Float Moong dal in river
Serve crow,dog and cow from your food
Burry honey in a mud pot in a lonely place
Clean your teeth with fitkari
Floating of mud pitcher in river
Wear a copper coin around neck
Donate Green clothes and bangles to Eunuch
Jupiter:Remedies of Malefic Jupiter
Eat kesar or apply on tongue or nabhi
Apply turmeric or kesar on forehead
Never get peepal tree cut and try to water peepal tree regularly
Donate chana dal, Kesar, turmeric, gold in yellow cloth in temple
Do Durga puja and Ganesh Puja
Serve Food to poor girls
Wear gold and yellow thread in neck
Do not keep God idols at home if jupiter in 7th house
water peepal tree and grow yellow coloured flowers.
Venus:Remedies of Malefic Venus
Donate Cow or fodder to cows
Donate in bronze vessel
blue flower to goddess Saraswati on Friday evening
Use perfume or aromatic scents on fridays
Give misri,camphor, ghee and curd at holy place
Saturn:Remedies of Malefic Saturn
Offer food to crows for 43 days
Donate iron made items but wear a ring made of horse shoe in your middle finger
Pour spirit, oil or wine on the ground during morning hours at the sunrise for 43 days
Donate oil on saturdays
worship Bhairon and donate wine in the temple
Feed bread with mustard oil to dogs and crow. Donate black lentil, coal,leather goods,timber
Rahu: Remedies of Malefic Rahu
Donate Radish in charity or float coal in water
Joint family system should be preferred
Try to locate dining table near your kitchen. Keep kitchen clean
Dont harm your brother or sister
Keep saunf or sugar in red bag under your pillow
Keep gangajal at home and if pssible sprinkle gangajal in your house
Keep silver box or silver coin with you
Donate Red masoor to the sweeper or temple
Float barley or coconut in the river
Float wheat or barley equal to the weight of the ill person with malefic Rahu
Ketu:Remedies of Malefic Ketu
Donate Sesame seeds in charity
Donate white and black blankets made of wool in temple
Apply kesar or turmeric on forehead
wear gold around neck or wrist
Wear silver in foot toe
Give milk, rice red masoor in charity
Do Ganesh Puja regularly
Keep a black and white dog at home or feed such dog
Hi Readers, I will shortly come up with an art to read and analyse your own horoscope Find the hurdles and reasons which are effecting your life You will find solutions to fix the problems for better future all by yourself. Keep reading and commenting friends
Like streams of holy water carrying the purity of traditional values, a group of six families looking for greener pasteuers settled in Princeton, a historical city known for the famous Princeton University USA in the early days of 2014. Coming from diverse culture,region,religion and family backgrounds from India, a country known more as a land of snake charmers or elephants rather than the historical buildings,scientists, yoga and values attached since ancient times to this second biggest democracy in the world.
Aman Preet, a tall handsome, smiling, polished, clean shaven Panjabi guy employed in one of the leading Banks in USA was the first to arrive. Accompanying him was Anupriya, a beautiful accompalished wife with two daughters, they had rented a Ist Floor apartment overlooking entire stretch of the cross section of roads flanked by more than 20 appartments.
Other five families kept moving in at regular intervals, last being the youngest one. Originally from the northern state Rajastahn, Abhinav a handsome talented guy imbibing traditional values employed with a leading IT company shifted with two kids and Varsha a beautiful adorable ever smiling amiable wife. This couple added flavour to the group with their mannerism, wits and always ready to help others intiatives.
Raghu, a smart handsome guy from Hyderabad followed alongwith Neha and two kids. Neha a tall lean and beautiful girl from Indore was always up there to blend the western “Tadka” with desi touch to bring every meeting a lively experience .
Girish and Sapna coming from Mumbai, the financial capital of India added glamour as Sapna a beautiful smiling adorable home maker would mesmerise with her simply majestic sense of dressing. Girish a cool, mild natured, smiling young boy who may not have caused any difference with his presence during the parties but the absence was irritating for everyone for his gounded personality
A mix of Gujrati and western culture brought a cultivated ambitious couple who always looked for better career prospectus by keeping a low profile. A peculiar habit of buying only a branded item made Ashu a late starter as she would not compromise with anything less than the planned purchase. The sweet natured talkative Ashu and Mehul, a relaxed hubby would form an inevitable part of the group
Saurabh and Pankhudi from Dehradun with religious and teetotaller bent of mind were slow starter for their inhibitions about the late night parties involving Drinks and Non veg delicacies initially. With two girls, the couple looked a satisfied lot having been able to achieve what they had wished for settling in the USA. Saurabh would assume the role of a photographer for clicking a few joyous and funny moments of the party but never forgetting to click the couples individually with his guided instructions like a professional .
Not only the careers or academic level, all the six families were more or less into the same age group starting their parentage with a kid or two. As has always been back home, the young working people don’t feel comfortable mixing up freely due to their own inhibitions but a glance or two appreciating the kids playing in parking area definitely helped in starting a casual hello hi during the late evening excursions. !
Whatever be their place of origin, goals or aspirations but one thing was common which blended well to make them a family without any blood connection. They were all intelligent,responsible, charming and adorable individuals who never complained but looked for pleasant company of each other
The common parking area sprouted seeds of enduring relationship between these young aspiring families. Every evening, they would venture out of their apartments for a dose of fresh air in the beautifully landscaped lush green environment. The kids would love to play in the open compound as two other groups of Adam and Eves went about gossiping about the newly attained status of NRIs. Very cautious initially, they soon found enough room to talk about their Indian backgrounds and families.
A few vehicles would pass bye on the adjacent spiralling road hardly sounding horns or zooming past the lane. Unlike India, the drivers looked patient and more conscious about the privacy and serenity of the inhabitants. A small triangular island snadwitched between the two rows of Appartments looked majestic with green velvet grass and a few trees booming with flowers of violet colours. sidewalks spruced up with all weather flowers on the berms and beautifhul landscapping provided a soothing touch for the eyes.
First Winters had a lot of snowfall and handling the life in those tough weathers was a challenge. It was inconvenient for Abhinav and family as they were inhabiting the ground floor apartment and overnight snowing would block the entrance making it difficult to open the door early in the morning The cars laden with white sheet of snow remained stuck for days making it difficult to venture out for shopping. Gradually, they were accusomed and acclimatised to the new conditions and extreme weather..
Access to a nearby Princeton Railway station was a boon for commuting between Newyork and Princeton as use of their own car as preferrred transport mode was neither viable nor practical in the early period of their settlement overseas.
Well said “when you are outside the country at a strange place, you tend to find the people of your own culture, language and traditions” and these families were no different. The similarities of costumes, peculiar mannerism and language reminded them of their homes back in India. Shortly they found the first opportunity of get together. The festival seasons in India and USA usually start in the month of October and end with the celebrations by welcoming the new year.
It was the festival of lights Diwali which they unanimously decided to celebrate. It was a great fun as the crackers and sweets followed by dinner and drinks were in abundance to mark the occasion after performing Puja at their respective homes. Aman with his perfection on cocktails was a hit as everyone had his/her share of taste on thos first outing. Brimming with confidence after this first event successfully hosted as per the traditional Indian culture, they looked all set for furthering the celebratory moods in future too.
Slowly these festivals and celebrations made them feel for each other. Initial hitch started vanishing as the bonding got stronger. Everybody looked impatient and eager to host his turn which happened every few days. The tinkling noise of glasses had started filling the hearts with abundance of joy. Slowly every member was coming out of his shell by contributing with surprise talents. Though tinkler would not be a proper term for any of them but they relished a drink or two whenever they found opportunity.
Having a complete vegetarian and teetotaller family never dampened the spirits of the group. Rather everybody enjoyed the veg menus and snacks whenever this family found turn to host the group. Initially, everyone tried to observe strict parameters of not drinking within the four walls of their home and would love to gather outside using car roof as a raised table for enjoying their drinks right on the berms of an isolatted road. Great idea by Aman and Abhinav supported by the ladies enjoying their share with lots of fun sitting on the boot. Cheers!!kept filling the air with the intoxication of love and brotherhood warming up for each other!!
Every now and then they started finding excuses to have a get together as the chidlren enjoyed their companies too. Well aware of their limitations and traditional values, the males mixed up with the females very conveniently but never crossed the barriers of their culture. Songs and witty jokes would flow in tandem with dances to follow. sapna, Neha and Varsha would always the first one to start gyrating on the Hindi numbers and others followed on western music.
The purity of relationship was like watching your reflection in a still clear water. It was like a home away from home where a family member understands rights and responsibilities towards the whole family without ever having to be reminded of.
Weekends were no more a boring monotonous activity but it started getting livelier and full of exhuberance for all. Exploring nearby locations for tracking or going to tourist attractions had become a regular schedule. . Newyork, the most happening city remained on the list of all kids as the fun filled vibrations of western music and the fast food provided them much needed comforts from their school routine. Visits by the parents from India was also a regular feature. They were satisfied on finding the grand kids being groomed in western culture without ever forgetting the traditional Indian values.
Sometimes you feel frustrated on the sudden develpoments in life and these families were not different as the kids started growing. The two bedroom appartments looked small to accommodate the visitting relatives/grand parents.
Though difficult they started moving out in 2017. With sufficient Bank balances in their accounts and easy availablty of mortgage loans for buying their own houses instead of paying rent, the search started for finding areas of their choice. Whereas some insisted for settling in the Indian dominated localities like Jersey City, others moved out for better schooling or better prices nearby.
Aman was first to leave followed by Abhinav who preferred a far off place an upcoming city known for better schooling They looked heart broken as every other month the news of movement arrived and they spent hours together drinking and enjoying the company as if they are not going to meet again. The toddlers had grown as kids, kids started going to school as young ones, the younger attained puberty and a few were going to cross the sweet sixteen stage shortly.
The time has passed but the sweetness has deepened as intensity of relationship grew between all these families
They were settling in different cities of New Jersey making it at least an hour journey from each other but meeting regularly was a challenge as behaviour of children could change due to their own priorities with growing age. Raghu stayed in Princeton as he preferred the area due to better schooling and personal comforts due to cosmopolitan nature of the city. Besides, Raghu and Neha had their place of work only a few minutes drive from Princeton
Soon the things started rolling again as they decided for a night out and celebrate festivals regularly at the pre decided venues. X-Mas at Abhinav’s residence in Jersey city, Diwali celebrations at Raghu’s place in Princeton and New Year eve at Aman’s place was ana annual feature awaited eagerly by all. The excitement was loud and clear for everyone as the kids wanted some extra hours to spend for playing games and running around the whole night without worrying to return home with heavy heart in the late hours.
Occasional night out brought more cheers for the lot. They would dance, shout, play and drink the whole night as the venue looked spruced up with the festive activity and vibrations of love and care for each other.
However with long faces they would say Good bye in the morning reluctantly but promising to be back again in the near future. That was the spirit and intensity of relationship which culminated into bond of care, affection and respect for each other. The growing up kids reciting shlokas in Sanskrit and others following up with traditional Indian dances or songs provided soothing touch to the eyes for keeping our culture alive in the minds of coming generation.
With all their priorities of worldy pleasures like owning house, good education for the children, established bright careers, settling as citizens of USA sorted out, the roots remain firmly grounded to the traditional Indian values.
I may not always be there to relish and participate in such a lively and absorbing family culture but would keep showering my love for this beautiful family. Who says, the relationship happens by sharing common blood vessels flowing in the arteries of two individuals.It indeed is a matter of understanding feelings, mutual respect and care between the two ivdividuals which make the relationship enduring and lasting for ever.
COVID-19 might have dampened the spirits of celebratory moods but when it comes to the ghastly haunted stories, Halloween has gained in popularity in USA over the years People across the country mark this occasion with parades, costumes, haunted tours and other rituals. The tree leaves are already changing colors and the October chill has arrived with intermittent showers, allowing the occasion for homemade treats and pumpkin dishes, cozy sweaters, and hot coffee.
Each member in the family gets into festival mode as the preparations start well before 31 October every year. It’s not only collection of candies but a great effort by the families, first to buy big pumpkins, cut them into different shapes and paint these carved out biggies to stack at the front door. All the shopping malls come out with discount offers as shoppers start doing rounds of Walmart,Home Depot or K-mart to lay their hands on the picks they start looking for months in advance. Little kiddies dressed in vintage costumes and wearing creeps Berzerker or Clown masks on their faces giving a horrendous look would seek candies in return for “Trick or Treat” in the dark nights.
An intersting remote operated trap was created by one of our neighbours last year. A few candies near the lighted skulls outside the door and white cemetries laid on the lawn made the scene very scary from a distance. A set up like the block buster horror spooky movies of Hollywood!!. “Pick up the candie if You dare” was invitation for the kids to try and pick up as many candies as one likes. The moment one tried to pick the candie, mysterious sounds from the skull would make the kids run away.
Halloween traditions have spread worldwide and become increasingly popular in many countries. Even during the closure or partially opening of schools due to the pandemic, kids have assignments on Halloween to keep them involved during the isolation. This fascinaing and absorbing festival has been filling the otherwise dull life of everyone with some acitivity during the tough times these days. Pumpkins, Masks, Vintage dressses engage the imagination of students of all ages as they celebrate the festival enjoying themselves by sharing candies. Enthusism is unbeleivable and the online sellers platforms like Amazon are also doing brisk business by offering special deals for vintage lighted Halloween creatures and everything related to this fun festivity
I happened to buy a few Pumpkins and freshly piped honey sticks from a nearby garden this morning. Despite rising number of COVID cases, the number of cars parked in the parking place spoke of the belligrance shown by the families who wore their masks and kept social distancing as prescribed by the Farm House management. The spirit and moods of people was in line with a renowned quote “Life goes on!!” The kids looked more accomplaished than their parents in selecting the Pumplins for themselves.
The moods are upbeat!! Keep yourself warm with SWEET POTATO GNOCCHI IN HERBED WHITE WINE SAUCE while the kids are on “Trick or Treat” spree
“These multi coloured little cute pumpkins looked perfect show piece jewels for the corner table in your living room”
Who doesn’t dream to be rich? Everyone does and so do I!! Sometimes it may look weird and unrealistic but dreams need to be like that. If your dreams are not making you spend sleepless nights then the delusion which sneaks through our minds while we are asleep are not big enough.
There are people who manage to stretch their dreams and find out the resources to achieve success. Yes! I do agree that achieving big in life needs to be a steady process nurtured through sheer hard work and patience but certainly its possible with right temperament, commitment and drawing a clear route map for your journey.
We have another set of dreamers who wanted to become rich overnight with little efforts.
Hundreds of catchy and luring ads inserted by the hoaxers can be found inviting you to earn quick bucks by starting online business. Basically they are all engaged in selling dreams to hundreds and thousands of aspiring people who are dreaming of a trail of dollars dropping from nowhere into their pockets by setting up a simple system after payment of a fees. Strange!!
The shrewed scamster will send a few snap shots of fabricated payment proof like Bank transcations, Paypal account etc. to make you believe about authenticity of the system. A good number of unsuspecting people will fall prey to their nefarious designs too. The poor cusotomers would realise, Alas!! after losing their hard earned money. The scamsters will vanish from the scene after defrauding a good number of people and appear with some other name again after a few days to poach/trap a few more.
You need to be circumspect when you find these luring tag lines on the internet when you are googling your intentions to earn online. We need to understand as to why a person having any idea of creating income by operating a system would like to share the secret to any body else? He can accumulate huge wealth himself to become the richest person.
The platforms like Godaddy, WordPress, Freelancer,Upwork, Coursera, Udemy and others are providing opportunity for you to earn extra income with your hobbies or skills without having to produce proof of formal education but You need to have exceptional skills to earn online .
Explore your own talent before wasting your time and money. Even the knowledge acquired with your experiences in life helps. A large number of professionals have been earning their living or passive income while sitting at home and finding jobs from the unknown people sitting thousands of miles from them. Its a big ocean of opportunities but you need to possess right knowledge and temperament for earning big online.
फैंग शुई: Feng Shui की तरह Lo Shu भी Chinese Numerolgy का एक बहुत बढ़िया साधन है जिसका इस्तेमाल करके आप अपने जीवन को बेहतर बना सकते हैं। The Chinese Magic Square or Lo Shu Grid के बारे में आज हम जानेंगे जिसको इस्तेमाल कर के आप अपने जीवन को ख़ूबसूरत बना पाएँगे और आने वाली किसी भी संकट से उभरने का उपाय कर सकेंगे।
Lo Shu Grid एक 3×3 का Magic चौकोर है जिसमें 1 से 9 अंक होते हैं जिनका जोड़ हर दिशा मैं 15 ही होता है। बाएँ से दाएँ, उपर से नीचे या तिकोनीय दिशा में अगर आप देखें तो सभी तरफ़ का जोड़ 15 ही है। इस grid को आठ दिशाओं में बाटा जाता है: East,West,North,South.North East,North West,South East,South West जिनकी अलग अलग मान्यताएँ हैं। आपके जन्म दिन के सभी अंकों को इस grid में भरना पड़ता है यानि अगर आपका जन्म 21/3/1985 में हुआ है तो आप 2 को 2 के स्थान पर, एक अंक को एक के स्थान पर लिखेंगे। आप देखेंगे कि आपके जन्म दिन के कुल 2,1,3,1,9,8,5 आठ अंक हैं लेकिन इसमें 4,6,7 अंक नहीं है। आपको नीचे दिखाई image के अनुसार इन स्थानों को ख़ाली रखना है
इस जन्म दिन के मुताबिक़ मूलांक 3 होगा और भाग्यांक 2 है। मूलांक जन्म दिन का जोड़ होता है यानि 21/3/1985 में से 21 जन्म दिन है जिसका जोड़ 2+1=3 आता है। इसी तरह भाग्यांक जन्म के दिन, महीने,वर्ष को जोड़कर आता है 2+1+3+1+9+8+5=29–2+9=11—1+1=2 अब आप इस grid में मूलांक एवं भाग्यांक डाल दें।
Chinese Astrological predictions derive influence from the eight directions and Water Element,Wood Element,Earth Element, Metal Element and Fire Elements as shown in the Lo Shu grid from 1 to 9 as under:
North: Career prospects, water element, planning
South west: Marriage and Love Life, initiative and peace, Earth Element
East: Health, Family, Progress in Life, Wood Element
South East: Wealth, Prosperity, Wood Element
Center: Strength, Stability, Personality, Earth Element
NorthWest: Mentors, Helping Friends, Foreign Contacts, New Opportunities, Metal Element
West: Mental Peace, Children, Creativity,Metal Element
NorthEast: Knowledge,Education, Memory, Earth Element
South: Fame, Energy,Recognition, Fire Element
Top row: (numbers 4, 9 and 2) represents the head of a person. In other words, the top row can be regarded as the Mental plane. It encompasses thinking, creating, imagining and analyzing
Middle row (numbers 3, 5 and 7) represents the body. The middle row is called the Emotional plane. This plane includes spirituality, intuition, feelings and emotions.
Bottom row (numbers 8, 1 and 6) represents the feet. The bottom row is called the Practical plane. This encompasses physical labor, creativity, and the ability to be practical in everyday life. To use the head-legs analogy again, the feet are firmly placed on the ground in the Practical Plane.
Similarly, the vertical COLUMNS are also interpreted as follows:
First vertical column (numbers 4, 3 and 8) is the Thought plane. This reveals the person’s ability to come up with ideas, create things and carry them through to fruition.
Middle vertical column (numbers 9, 5 and 1) is the Will plane. This gives determination and persistence to succeed.
Last Vertical Column(2,7,6) is called Action Plane and indicates ability to put his thoughts into action
Now coming to the charts prepared by you with DOB 21/3/1985, you will find number 4,6,7 missing meaning wealth, prosperity , true friends, mentors, new opportunities and mental peace remains the cause of concern. But a very strong Earth Element 2,5,8 numbers present in his grid indicates that his words are taken seriously This person can come up with plans and has strong will power but lacks in implementation of his action to bring the desired results as he lacks in mentorship, true friends. He can lead his life succesfully by following the undernoted simple remedies
As per Lo Shu, this fault can be rectified by wearing gold chain/bracelet or hanging 5 rods golden wind charm in the North West direction of the house. Besides, putting green light on the south East walls of the bed room will bring wealth,peace in his life.
Interesting post attributed to Harvard economist David Deming. I have come across hundreds of books/blogs on the succesful people who help you to achieve goals by showing a path with stories weaved around their personal experiences. This is just an opposite direction telling us about the types of people who never succeeed at work.
This could be my first Experience and knowledge quickly lose their relevance and success in the workplace. Harvard economist David Deming studied occupational skills from 1980 to the present and found that those emphasizing social skills grew by 24% larger, while jobs requiring technical knowledge and expertise found little growth. Deming also found that wages significantly increased jobs that emphasized […]
It was in the afternoon of April 2010 that a young girl accomapnied by a burly smart guy was waiting outside my office. I remained preoccupied due to Audit work which follows evey year in Banks after annual closing at the end of a particular financial year. Attending to the queries of a team of auditors on the job, I looked up momentrily to find this girl sitting in the waiting area. Normally, any visitor is taken care of by the team of executives working in the Banking Hall but the girl looked restless and eager to get up and enter my cabin.
Sensing the urgency, I could see the girl reluctantly knocking and seeking permissiion to enter my cabin. Immediately excusing myself from the Audit team,I welcomed the visitors “Tell me! How can I help you” as I prompted her to intiiate the discussion. She was looking for an education loan from our Bank as no other Bank was entertaining her application for the unexplained reasons. As I dwelled deeper for the information, I found the guy more proactive and kept providing with half known facts which irritated me. “Please don’t interupt and let her come up with the reply”I had to rebuke him sternly with instructions to keep silent otherwise move out.
As she started narrating her stories, I got milder and more concerned about the genuine cause of her further studies. The guy was her fiancee and her father was an Auto driver. She was reluctant and not comfortable telling me about the status of her family particularly the profession of her father.However my efforts to make her comfortable and feel at ease attitude, could extract the whole information after interviewing her for about 30 minutes.
It was heartening to note that she was funding even her school education by doing some tuition work in the late evenings. She was very humble, honest having clear vision about her perceptions
More and more she unwinded the story, she looked relaxed and hopeful about her future education. She wanted to pursue her degree in Fine Arts but most of the Banks try to finance education loans to the potential Enginerers,Doctors and other high tech professionals for the only reason that their prospectus of getting good jobs in the country or overseas are better than those pursuing their careers in other verticals.
It indeed was a wrong notion of keeping their accounts safe for recovery. My experience in the Banking Industry believed in prompt and quick disposal of loan requests with a human face. A satisfied customer will always pay back the installments of loan regularly even if he/she is not sufficiently paid by the employer.
She was carrying documents about the ranking she got in the Entrance Exams, a provisional admission letter from the institute, evidence of her family income and academic record. She was a topper through out her schooling. After corrobrating her statements with the record, I was impressed and convinced about genuinenes of the case.
The decision was yet to be made as hierchy down the line, Loans officer responsible for compliling the proposal and recommending it for final approval needed to be discussed. But the smile on her face and satisfaction seen through her eyes spoke of the relief she was feeling after being heard with intense concentration and compassion. Advising them to sit and wait outside for a while, I took time to discuss the story with my staff who despite showing a few reservations agreed: though with an element of surprise!!
Although stuck up with the audit work which needed priority attention, she was advised to come back with the required information in a weeks time. In education loans, co-obligants are the parents as no tangible security could be insisted upon as per the prevailing guidlines. The Loan documents needed to be signed by her father as well. The designated day turned out to be saturday giving us just a few hours of working those days. The time slot was alloted to bring her father on saturday after she showed her reluctance due to peak hours of her father working on the weekdays.
Documentation and release of the initial instalment of the sanctioned loan amount took an hour or so. The girl with a cheque of 100,000/- in her hand wore an unbelievable benevolent smile on her face as if showing a trophy on winning the final race of her life.
The family looked very down to earth and obliged for prompt disbursement of Loan amount to the girl.
I am not writing this story to sing my own praises for this particular case but this was a routine during the entire length of my Banking career spanning over more than 35 years. I was never confronted with bad debts due to non recovery of Loan installments. This satisfaction goes on filling my heart with a sense of pride for doing my duty with purpose and empathy towards the deserving class of the society.
Dear readers, I would love to have your observations telling me what more should have been done. Kudos to the girl and her confidence for the efforts to find a way to continue her pusruit for higher education. My entire unit did a commendable job by going beyond the traditional barriers of not entertaining any fresh loans proposal during the audit work..