Thursday, September 28, 2017

What is meant by stop payment instruction?


It is an instruction provided by the customer to the bank to stop payment of the cheque. On receipt of instruction from the depositor, the bank notes the instructions in the system and when the cheque is presented for payment, payment is countermanded and not paid
The customer can provide such instruction on many grounds
  • The payee should not receive payment
  • The contract entered between the payee and the depositor had not been fulfilled
  • The items received from the supplier (payee) are found to be defective
Who has to issue?
  • In the case of individual accounts, the individual submits the representation
  • In the case of joint accounts, anyone or all can send the representation
  • In the case of proprietorship accounts, the proprietor issues the letter
  • In the case of partnership firms, anyone or all partners can issue stop payment instructions to the banker
  • In the case of companies, anyone of the authorised signatories can issue stop payment instructions to the banker 
https://www.quora.com/What-is-stop-payment-of-a-cheque/answer/Gauri-Sankar-2

Friday, April 14, 2017

Which is better for the future - whether IDBI bank probationary officer or Bank of Baroda clerk?



This is my answer to similar question:
Andhra bank PO vs SBI clerk ?
The main purpose of joining any bank - forget the position - is to get an employment; earn salary; strengthen the financial position and survive in the world by having certain comforts
Under the above backdrop, do not compare one bank job with another bank job. Something is better than nothing
For each bank examination, throughout the country around 20 lakhs graduates are submitting their applications and among such applications only 15000 get employment.
Let us imagine the efforts put in by those 15000 successful candidates.
As a trainer for these people, I know their difficulties. Some never sleep for more than one fortnight before the examination. They used to refer all sorts of materials and they use each and every minute of their day and night only for examination preparation
Now let us come to the topic
Probationary officer in any bank
  • It is a responsible job than clerk
  • You have to work from 10.00 to 5.00 p,m. and during some days, you may be compelled to sit late - one or two hours late. Never mind this since this is not a routine business and this can happen only at the time of accounts closing, inspection or non tallying of accounts etc
  • On account of computerisation, every activity is taken care of by the central server and several people are working in the server area to get the accounts tallied each day.
  • At the branch, you have to simply your batches. It means, that each teller or clerk should tally their positions and the officers have to help in this connection
  • Sometimes, you may have to go outside the branch for marketing, recoveries, deposit mobilisation etc., In fact it will be quite interesting to meet several types of people (I am telling out of my forty years of banking experience)
  • Learn to keep your ears closed for negative comments and negative criticism from outsiders and senior frustrated employees of the bank in this connection
  • Every job has some problems
  • Every organisation will have some issues
  • It is part and parcel of the life of each individual
  • If you are willing to do challenging jobs, prove your performance by working hard, let your choice be for PO in any bank
  • Moreovr, for your hard work, you are rewarded with more salaries, quarter facilities, Better LFC facility, Conveyance allowance etc., etc.,
Clerks:
  • You are willing to have comfortable life. You are not interested to do more for the bank
  • You are concerned about you; your hobbies, your family members and you are willing to put yourself in your home by 5.30 p.m. each day
  • For them this post is suitable
  • Please remember that after sometime you will be prompted to appear for promotions on account of your colleagues stepping into the ladder
  • More than salary and perquisites, for an employee, the status is very important and promotion fulfills such desires
You can decide yourself by going through the above feedback from my side
https://www.quora.com/Which-is-better-for-future-IDBI-Bank-PO-or-Bank-of-Baroda-Clerk/answer/Gauri-Sankar-2



Friday, September 16, 2016

What do you know by Shekaripuram village near Palakkad?




Shekaripuram is also spelt sometimes as Sekharipuram or Shekaripuram. It is a village situated in Palakkad town in Kerala state in India. The village consists of five main streets. Each street contains its own temple and as such there are five temples in five streets. The main temple in the village is known as “Ratta Theruvu” called as double street. The temple located in this street is known as Lakshminarayan temple.
The following are the details of temples situated in the village:
• Lakshminarayanan Temple
• Ganapathi Temple
• Ayyappan Temple
• Bagavathi Kavu Temple
• Shiva Temple

Festivals in the village:

The Chariot (Theru) Festival occurs during the month of May.
A major Mahakumbabishekam festival in May 2007 was conducted at the Lakshminarayan Temple.
Chathapuram Agraharam, some believe was in earlier days known as Sastrapuram, is situated on the bank of Nila River and is one of the 24 Brahmin Agraharams in Palakkad Town and there are other 88 Agraharams in Palakkad district. In Kerala,there are 26 more Agraharams in other districts.The Village is on the north east point of Kalpathy end of the town. The residents are Tamil speaking orthodox Brahmins, who are inculcated in vedic learning and are highly accomplished in all fields in life namely;  Education, Fine arts, Music and the people have much faith  in peace and harmony. So the villagers are contiguous like flowers in a garland(haram) and so are called as “Agraharams”.

Sree Prasanna Maha Ganapathy Temple in Chathapuram, Kalpathy, Palakkad is an ancient, famous temple in the town and it was founded by the Tamil Brahmin residents of the chathapuram gramam. The temple is maintained and managed by the villagers of chathapuram Agraharam. The Lord is worshipped by hundreds and thousands of Devotees, who are the recepients of the unabated, bountiful blessings of Lord Mahaganapathy.
The prime and glowing role of the kariakkar family played in the founding of the temple and the daily worships/celebrations of the important festivals in the temple is always in the sweet memories of the community in general and the villagers in particular. The role of the kariakkars will continue to be remembered and eulogized by the future generations.


Thursday, September 15, 2016

What do you know by Kalpathi village in Kerala state in India?




Kalpathi can also be called as Kalpathy and it is one among the several villages situated near Palakkad in Kerala state in India. Kalpathy is known as Dakshin Kasi or the Varanasi of the south and it is an early Tamil Brahmin settlement known as agraharam in the Palakkad district of present Kerala state.
Kalpathy is very famous for Kalpathi Ratholsavam, a temple car festival held each year at Shri Visalakshmi Sametha Sri Viswanatha Swamy temple where the deity is known as Lord Siva (Lord Viswanatha).
Kalpathy is located  at 3 km from Palakkad town and consists of Old Kalpathy and New Kalpathy.
On the eastern side of Viswanatha Swamy Temple, Palakkad lies the New Kalpathy Village which consists of homes built mostly of thatched roofing. It belonged perhaps to the last batch of Tamil Brahmin migrants. Harassed by frequent fire, loss of life and property, the villagers consecrated a temple dedicated to Lord Maha Ganapathy to ward off "Sivadrishti". The idol of Mahaganapathy resting under a Banyan tree near a tank lying on the eastern side of this village (Manthakkara) was installed facing Lord Shiva (in Sri Viswanatha temple).
The residents of this village were well known scholars of Vedas & Shastras and purohits well versed in their profession. Most of the surrounding villages of Palakkad town used to depend upon them for conducting the Vedic rituals. Any doubt on observations of rituals and interpretations of sastras used to be debated and decided here. This village is also the birthplace of many professionals, musicians, scientists and men of letters.
New Kalpathy village was a citadel of Vedic culture and Sanathana dharma. It has produced numerous scholars of Vedas and Vedangas. They are still being remembered by villagers with reverence and devotion. Their academic excellence was well  recognized by both Shringeri and Kanchi Sankaracharya Mutts. This village sent the largest contingent of delegates of Veda scholars to attend the All India Sanathana Conference held at Kasi during 1932-33.
The biggest festival of this place is known as annual car festival(kalpathy theru). This is celebrated in a very grand manner and during such festival occasions, relatives used to come from far off places and stay there to enjoy and get the blessings of the Lord Viswanatha. 

Modern Period:
During the recent times, on account of many changes which took place in the activities of men and women and their involvement in various academic pursuits,  many new housing colonies have sprung up in and around Kalpathi. One such colony is Kailas Nagar where some of the eminent citizens of Palakkad have built their homes. Kailas Nagar  also has the distinction of running a school for special children called as "Chaitanya School". Mrs. BhagyaLaxmi of Kailas Nagar has taken keen interest in establishing this school and nurturing it.
The pressure of modern aspirations and altered lifestyle is taking its toll on the heritage value of Kalpathy. Old buildings are slowly yielding way to new concrete structures. To preserve whatever is left, the State Tourism Department had taken up the Kalpathy Heritage Walk scheme. It is a Rupees two crore project aimed at restoring the old structures which are present in the village and the project is underway.

What do you know by Kalpathi village in Kerala state in India?




Kalpathi can also be called as Kalpathy and it is one among the several villages situated near Palakkad in Kerala state in India. Kalpathy is known as Dakshin Kasi or the Varanasi of the south and it is an early Tamil Brahmin settlement known as agraharam in the Palakkad district of present Kerala state.
Kalpathy is very famous for Kalpathi Ratholsavam, a temple car festival held each year at Shri Visalakshmi Sametha Sri Viswanatha Swamy temple where the deity is known as Lord Siva (Lord Viswanatha).
Kalpathy is located  at 3 km from Palakkad town and consists of Old Kalpathy and New Kalpathy.
On the eastern side of Viswanatha Swamy Temple, Palakkad lies the New Kalpathy Village which consists of homes built mostly of thatched roofing. It belonged perhaps to the last batch of Tamil Brahmin migrants. Harassed by frequent fire, loss of life and property, the villagers consecrated a temple dedicated to Lord Maha Ganapathy to ward off "Sivadrishti". The idol of Mahaganapathy resting under a Banyan tree near a tank lying on the eastern side of this village (Manthakkara) was installed facing Lord Shiva (in Sri Viswanatha temple).
The residents of this village were well known scholars of Vedas & Shastras and purohits well versed in their profession. Most of the surrounding villages of Palakkad town used to depend upon them for conducting the Vedic rituals. Any doubt on observations of rituals and interpretations of sastras used to be debated and decided here. This village is also the birthplace of many professionals, musicians, scientists and men of letters.
New Kalpathy village was a citadel of Vedic culture and Sanathana dharma. It has produced numerous scholars of Vedas and Vedangas. They are still being remembered by villagers with reverence and devotion. Their academic excellence was well  recognized by both Shringeri and Kanchi Sankaracharya Mutts. This village sent the largest contingent of delegates of Veda scholars to attend the All India Sanathana Conference held at Kasi during 1932-33.
The biggest festival of this place is known as annual car festival(kalpathy theru). This is celebrated in a very grand manner and during such festival occasions, relatives used to come from far off places and stay there to enjoy and get the blessings of the Lord Viswanatha. 

Modern Period:
During the recent times, on account of many changes which took place in the activities of men and women and their involvement in various academic pursuits,  many new housing colonies have sprung up in and around Kalpathi. One such colony is Kailas Nagar where some of the eminent citizens of Palakkad have built their homes. Kailas Nagar  also has the distinction of running a school for special children called as "Chaitanya School". Mrs. BhagyaLaxmi of Kailas Nagar has taken keen interest in establishing this school and nurturing it.
The pressure of modern aspirations and altered lifestyle is taking its toll on the heritage value of Kalpathy. Old buildings are slowly yielding way to new concrete structures. To preserve whatever is left, the State Tourism Department had taken up the Kalpathy Heritage Walk scheme. It is a Rupees two crore project aimed at restoring the old structures which are present in the village and the project is underway.

What do you know by Kalpathi village in Kerala state in India?




Kalpathi can also be called as Kalpathy and it is one among the several villages situated near Palakkad in Kerala state in India. Kalpathy is known as Dakshin Kasi or the Varanasi of the south and it is an early Tamil Brahmin settlement known as agraharam in the Palakkad district of present Kerala state.
Kalpathy is very famous for Kalpathi Ratholsavam, a temple car festival held each year at Shri Visalakshmi Sametha Sri Viswanatha Swamy temple where the deity is known as Lord Siva (Lord Viswanatha).
Kalpathy is located  at 3 km from Palakkad town and consists of Old Kalpathy and New Kalpathy.
On the eastern side of Viswanatha Swamy Temple, Palakkad lies the New Kalpathy Village which consists of homes built mostly of thatched roofing. It belonged perhaps to the last batch of Tamil Brahmin migrants. Harassed by frequent fire, loss of life and property, the villagers consecrated a temple dedicated to Lord Maha Ganapathy to ward off "Sivadrishti". The idol of Mahaganapathy resting under a Banyan tree near a tank lying on the eastern side of this village (Manthakkara) was installed facing Lord Shiva (in Sri Viswanatha temple).
The residents of this village were well known scholars of Vedas & Shastras and purohits well versed in their profession. Most of the surrounding villages of Palakkad town used to depend upon them for conducting the Vedic rituals. Any doubt on observations of rituals and interpretations of sastras used to be debated and decided here. This village is also the birthplace of many professionals, musicians, scientists and men of letters.
New Kalpathy village was a citadel of Vedic culture and Sanathana dharma. It has produced numerous scholars of Vedas and Vedangas. They are still being remembered by villagers with reverence and devotion. Their academic excellence was well  recognized by both Shringeri and Kanchi Sankaracharya Mutts. This village sent the largest contingent of delegates of Veda scholars to attend the All India Sanathana Conference held at Kasi during 1932-33.
The biggest festival of this place is known as annual car festival(kalpathy theru). This is celebrated in a very grand manner and during such festival occasions, relatives used to come from far off places and stay there to enjoy and get the blessings of the Lord Viswanatha. 

Modern Period:
During the recent times, on account of many changes which took place in the activities of men and women and their involvement in various academic pursuits,  many new housing colonies have sprung up in and around Kalpathi. One such colony is Kailas Nagar where some of the eminent citizens of Palakkad have built their homes. Kailas Nagar  also has the distinction of running a school for special children called as "Chaitanya School". Mrs. BhagyaLaxmi of Kailas Nagar has taken keen interest in establishing this school and nurturing it.
The pressure of modern aspirations and altered lifestyle is taking its toll on the heritage value of Kalpathy. Old buildings are slowly yielding way to new concrete structures. To preserve whatever is left, the State Tourism Department had taken up the Kalpathy Heritage Walk scheme. It is a Rupees two crore project aimed at restoring the old structures which are present in the village and the project is underway.

Monday, August 29, 2016

கண்களை மூடி தவம் செய்யக்கூடாதாம் - தவம் செய்வது எப்படி.?



கண்களை மூடி தவம் செய்யக்கூடாதாம் - திட்டுகிறார் அகத்தியர் ..!
தவம் செய்வது எப்படி.?
அகத்தியர் சொல்லும் மடையர்கள்...!
இங்கு கொடுக்கப்படும் அகத்தியர் பாடல் மிக முக்கியமானது. ஆம், சித்தர்களின் ஞான தவத்தை தெரிந்து கொள்ள விரும்புவர்கள் படிக்க வேண்டிய பாடல். கண்ணை மூடி கொண்டு சில யோக பயிர்ச்சிகளை செய்து கொண்டு இறைவனை அடைந்து விட முடியும் என்று நினைத்து கொண்டிருப்பவர்கள் படிக்க வேண்டிய பாடல். இந்த பாடலுக்கான குரு நாதரின் முழு விளக்கம் “ஞானம் பெற விழி” என்ற புத்தகத்தில் இருந்து கொடுக்கிறோம். படித்து தெளிந்து சித்தர்களும், வள்ளல் பெருமானும் சொல்லும் தவத்தின் படி திரும்ப எல்லாம் வல்ல அருட்பெரும்சோதியை வேண்டுகிறோம்
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“மடையனவன் சலத்திலுள்ளே யிருந்தே னென்பான்
மாடுநிற்கும் யோகமல்ல வித்தையாச்சு
சடைவளர்த்தா லாவதென்ன கண்ணை மூடிச்
சாம்பவியென் றேயுரைப்பார் தவமில்லார்கள்”
– அகத்தியர் ஞானச்சுருக்கம்
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வித்தை காட்டுபவ்ர்கள் தான் நான் தண்ணீரினுள் இருப்பேன். அப்படி செய்வேன் இதை செய்வேன் என பொய்களை அவிழ்த்து விடுவர். மடையன் தான் அவன்! ஏனெனில் ஒரு எருமை மாடு கூட தண்ணீரினுள் இருக்கும்! அவன் யோகியல்ல!
அதுமட்டுமா? தாடி சடை வளர்த்து உத்திராட்சம் அணிந்து காவி உடுத்தி பெரியசாமி என்று தன்னை தம்பட்டமடிக்கும் எவனும் உண்மையான் சாமி அல்ல! மூவாசையை முற்றும் துறந்தவனே, சாமி – யார்? என தத்துவ ஆராய்ச்சியில் ஈடுபடுபவனே, அத்ற்காக ஞான தவ்ம் செய்பவனே சாமியார்! ஆத்மசாதகன்! தவசீலன்!
காஷாயம் தரித்து கண்ணை மூடி எவன் எதை செய்தாலும் அதுவும் ஞானமல்ல! தவமல்ல! கண்ணை மூடினாலே தவறு!? அவன் கண்ணை மூடிட்டான் என செத்தவனைத்தானே சொல்வோம்? கண்ணை மூடி நீ எதை செய்தாலும் நீயும் செத்துதான் போவாய்!? சந்தேகமேயில்லை!
“கலையுரைத்த கற்பனை எல்லாம் நிலை என கொண்டாடும் கண் மூடி பழக்கம் எல்லாம் மண் மூடி போக” என் திருவருட்பிரகாசவள்ளலார் தெளிவாக கூறுகிறார்! இங்கே இந்த பாடலில் அகத்தியரும் கூறுகிறார்.“கண்ணை மூடி சாம்பவியென்று உரைப்பார் தவமில்லர்கள்” என்றே!?
இப்போதும், பல சாமியார்களும் தியானம் சொல்லித்தாரேன்! சாம்பவி முத்திரை யோகா என்றெல்லாம் விளம்பரம் செய்து அப்பாவிகளை கூட்டி வைத்து கண்ணை மூடு அதை செய் அப்படி நினை என என்ன்வெல்லாமோ கூறுகிறார்கள்! ஏமாற்றிப் பிழைக்கிறார்கள் அவர்களுக்கும் ஞானம் என்றால் என்னவென்றே தெரியாது!
பாவம்! மடையர்கள்!
தவம் எப்படி செய்ய வேண்டும்?
இங்கு பெரும்பாலும் தவம் (Thavam/Meditation) கண் மூடி செய்வது என்றே தெரிந்திருக்கிறது. ஆனால் தவம் என்பது கண்மூடி செய்வதல்ல. கண் திறந்து செய்வதே ஆகும்.
கண்ணை மூடி செய்தால் மாயைதான் விளையாடி கொண்டிருக்கும். அதனால் தான் வள்ளலார் விழித்திரு என்று சொன்னார். ஒவ்வொரு கணமும் விழித்திருக்க வேண்டும் விழிப்புணர்வோடு இருக்க வேண்டும். இதைத்தான் Awareness என்று சொன்னார்கள்.
மேலும் பொதுவாக நம்மிடம் ஒரு கருத்து வேறூன்றியிருக்கிறது. அதாவது இமைகளை திறந்து இருக்கும் போது புற உலகை பார்த்து கொண்டிருப்பதாகவும் மேலும் கண்ணை மூடி தவம்(Meditation) செய்யும் போது அகத்தில் உள்ளே போய் இறைவனை காண முடியும் என்று நினைத்து கொண்டிருக்கிறோம். ஆம், கண் திறந்து இருக்கும் போது புறக்கண் என்றும் கண்ணை மூடி இருக்கும் போது அகக்கண் என்றும் நாமாகவே நினைத்து கொண்டிருப்பதுதான் அப்பட்டமான அறியாமை!
ஆம், கண்ணை மூடி கொண்டு இருந்தால் அமைதியாக இருக்கிறது இதுவே நம்மை உள்ளே கொண்டு போய் சேர்த்து விடும் என்று நம்புவதே ஒரு மாயைதான். கண்ணை மூடி இருந்தால் அது இருட்டு, கண் திறந்து இருந்தால்தான் வெளிச்சம் (ஒளி). வேறொரு விதமாக சொல்வதானால் கண்மூடி இருப்பது என்பது அமாவாசை கண் திறந்து இருப்பது என்பது பெளர்னமி. பெளர்னமி அன்று கிரிவலம் சுற்றுவதுதான் சால சிறந்தது என்பதை நினைவில் நிறுத்தி கொள்ளுங்கள். இப்படி ஞானமடைய எப்படி தவம் செய்ய வேண்டும் என்பதைத்தான் பக்தியில் சொல்லி வைத்தார்கள்.
கண்ணை திறந்து செய்ய வேண்டும் என்று சொல்லியாயிற்று. எப்படி என்பதை திருமூலர் திருமந்திரத்தில் சொல்கிறார்.
“விளக்கைப் பிளந்து விளக்கினை ஏற்றி
விளக்கினுக் குள்ளே விளக்கினைத் தூண்டி
விளக்கில் விளக்கை விளக்கவல் லார்க்கு
விளக்குடை யான்கழல் மேவலும் மாம”
திருமந்திர பாடல் – 2816
இவர்கள் ஏற்றி கொண்ட விளக்கு ஒரு ஞான குருவால் தூண்டி விடப்பட்ட விளக்கு தான். சிலர் குரு இல்லாமல் அடைந்து விடலாம் என்று பொதுவில் பேசி வருகிறாகள் ஆனால் இது சாத்தியமில்லாத ஒன்று. குரு சுட்டி காட்டாத வித்தை பாழ் என்பதை கேள்விபடாதவ்ர்களே இப்படி பேசுபவர்கள். கண்ணப்ப நாயனார் போன்று இருப்பவர்களுக்குதான் குரு தேவையில்லை என்று சொல்லலாமே தவிர மற்றவர்களுக்கு இல்லை. நாம் கண்ணப்ப நாயனாரா இல்லையா என்பதை அவரவர் மனசாட்சி தான் பதில் சொல்ல வேண்டும்.
ஒரு சற்குரு நம் மெய்பொருளில் (அ) திருவடியில் சுட்டி காட்டினால்தான் இந்த ஞான தவம் செய்ய முடியும். மேலும் அப்பொழுதுதான் நமது புறக்கண் அகக்கண்ணாக மாறுவதற்க்கான முதல் படி மேலும் தொடர்ந்து சீடன் தவம் செய்ய செய்யவே அது அகக்கண்ணாக மாறும். இதுதான் அகக்ண்ணே தவிர மற்றது அல்ல. ஆம், கண்ணை மூடி கொண்டு இஷ்ட தெய்வத்தை நினைத்து கொள்வது எல்லாம் அகக்கண் இல்லை. கண்ணை மூடிட்டான் என்று சொன்னாலே தமிழில் அது செத்தவனைத்தான் குறிக்கும் என்பதை சிந்தித்து தெளிக!விழித்திரு என்பது இதுவே!
கண்ணை திறந்து செய்ய வேண்டும் என்று பொத்தாம் பொதுவாக இங்கு சொல்லவில்லை. ஏன் திறக்க வேண்டும்? எப்படி திறக்க வேண்டும்? 
நமது திருவடியான மெய்பொருளின் தன்மை அதனுள் ஒளிந்திருக்கும் சூட்சுமங்கள் அனைத்தும் தெரிய வேண்டும். தெரிந்தால்தான் கண்ணை திறந்து எப்படி சும்மா இருக்க முடியும் என்பது தெரியும்! ஞான தவம் என்பது ஒன்றும் அல்ல! சும்மா இருப்பதுதான். ஆம், எல்லா ஞானிகளும் சும்மா இருந்தே சுகம் பெற்றார்கள். சும்மா இருப்பது எப்படி என்றால் முதலில் திருவடி (மெய்பொருள்) பற்றி தெரிந்திருக்க வேண்டும்.
தவம் இருக்க போகிறேன் என கண்களை மூடி முயற்சி செய்யும் சில ஆன்மீக நண்பர்கள் அதில் நிபுணத்துவம் பெற்ற நம் ஞானிகள் சொன்னவற்றை நினைவில் வைத்து தவத்தில் வெற்றி பெறலாமே.! - Muthukumar subbukutty