August 2020

Indian banking industry is very well developed. We may feel proud of it. If we take little interest and try to learn few rules we may bring happiness to ourselves. This book is written to give us an insight to some of the relevant banking processes. The book is helpful to a Banker as well as to Customers to acquaint themselves about general banking.
It is a very sorry state of affairs that those people are ill treated, upon whose money the bankers get their bread and butter. It is shocking that the Senior Executives either fail to understand that Banking & Insurance is a Service Sector where Customer Should Be Treated As A King. If they wilfully avoid Sensitising their Staff towards the courteous process of working that is a wrong again.
Annexure 7 of this book has 12 chapters spread out in 59 pages which exclusively deals with the rights of a customer. The rights mentioned there are so powerful that a Banker shall have no face saviour if commanded with knowledge. Those codes of commitments are so powerful that they will prevail over the instructions of RBI, if both happened to be divergent.
Similarly sometimes banks employing Agents to recover their Dues do allow them to use hard process which they ought not. Because of ignorance, people succumb to their undue pressure. By going through Chapters 9 & 10 and Annexure 6 the borrower shall be surprised to know that how respectfully should he be treated by the bank or their agents as directed by RBI. If they do not follow the directives their acts are actionable.
By the above foregoing one may conclude that the book is not only a ‘must to posses’ copy by the Bankers but also by people seeking knowledge. In order to make it easy even for a lay men the writer has written it in a very simple language and wherever difficult words were used or definitions have been used their translation in Hindi has been given then and there. Where understood very important, whole of the chapter is translated say for example Chapter 12 of Soft Skills. The lesson on Soft Skills is written with intention to enable one to become a good human being, which all of us aim to be.
It is meant for the candidates aspiring for passing the examination of Debt Recovery Agents and also on Inclusive Banking through BCs.
बैंकिंग के विषय में इस पुस्तक को पढ़ कर आपको आश्चर्य होगा कि ग्राहक अति सशक्त व्यक्ति होता है भले ही वह लोन ही क्यों न लिया हो। लोन ले कर समय से पैसा न जमा कर पाने वाले को भी बैंक कर्मी को पूरी तरह से एक इज्जतदार व्यक्ति कि तरह ही उसके साथ बर्ताव करना चाहिए। ऐसा न करना आपराधिक है।
इन सभी बातों एवं अन्य चीजों को जानने पर ही आप अपने अधिकार का उपयोग कर सकते हैं। ऐसे में इसको पढ़ने का प्रयास करना चाहिए।