India’s Bad Loan Problem Goes Worse

The new ordinance provides the RBI with the powers to push banks to resolve issues in a restricted time by establishing oversight committees. RBI can also now move the insolvency court against the bank defaulters. But it does not mention how the holes in the balance sheets will be filled after the cleanup drive. However, how did the banks get into this mess in the first place?

One of the first reasons is that state-owned banks are inefficient as they do not have ample expertise for monitoring of loans and credit appraisal. Though, both the private and public banks have equally suffered. But, the private banks have fewer bad assets because they have not given loans to particular sectors/corporate groups.

After the collapse of Lehman Brothers Holdings Inc. in 2008, growth slumped throughout the world and India was severely affected as well with the government launching several economic stimulus programs. RBI slashed its policy rates to a historic low which directly flooded the market with liquidity and banks started providing loans indiscriminately. The slowdown has been continuing for years since then.

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Really how bad is the loan problem? According to reports carried out by Nirmal Singh Lotus Green, gross bad loans of banks have been 9.5 per cent of their loan portfolio. However, the net bad loans are 5.5 per cent.  Also, the loans that have been restructured under various schemes also need to be added to this. There were a large number of accounts which are very vulnerable as the borrowers are over-leveraged, which adds the total stressed assets to 16 per cent. Add to these the loans that have been written off, the overall stressed assets could be as much as 20 per cent. Banks’ exposure to large infrastructure sector corporates has also been severely affected.

It’s safe to say that private banks are in a much better position than state-owned banks. For instance, according to reports by Nirmal Singh Lotus Green, private banks bad loans have been 4.2 per cent to that 11.4 per cent of public sector banks

A Big Loss For India. Are We Really Lowering Down The Sports In India To Just Cricket, Still?

18th June 2017, a lot of people sat down in front of their T.V. screens, rooting for the India Pakistan game. India is obsessed with cricket, and finales’ are the days that everyone loses their calm. In the last couple of days, the Champions Trophy has been keeping the cricket fans tied to their T.V sets and phones. The thrill, the excitement is next level. And then comes the moment every fan in India and Pakistan wish for to come i.e. India and Pakistan against each other and that too in a finale. There were memes all over the social media, saying that it was no co-incidence that the game is on father’s day.

Writer Nirmal singh Lotus Green talks about how people dedicated their entire Sunday to the match only to be disappointed by the result. They expressed their anger on social media, there were curses. Statements like ‘India had the worst defeat possible, or India failed so badly this time were a part of every possible conversation about cricket.

On one hand, when the people were really offended by the performance of team on the field, the players congratulated the winners with true heart and this is what shows the real sportsmanship of our players.

Moving aside from cricket, unlike our majority of fans, we must also talk about the other match that was going on simultaneously. Same country, same rivals just a different sport and nobody seems to be a tiny bit bothered about it. For Nirmal Singh Lotus Green the 7-1 Victory of the Indian hockey team brought back the memories of the 1982 Asian Games and how India was controversially beaten by Pakistan by a similar margin. There were some shares about the game, some discussion on why the game did not get as much attention as the game of cricket, but we all know that at the end of the day, the country’s love for cricket cannot be beaten by anything and the little bit craze that people are showering on hockey would fade away as soon as theirs another cricket match.

And not only hockey, be it any other sport like badminton. Our players Pulella Gopichand and Kidambi Srikanth have won big tickets in their game, but never received the acclamation they deserved.

So maybe, it’s necessary for cricket to lose. That way other sports would atleast get eyed on, and help our non- cricketing champions paid off their dues.

5 Things You Want To Add In Your Sunday Routine To Become More Successful

Mondays are the most hectic day for a lot of working peeps out there. And the fear for the same strikes them as soon as the clock strikes 6 in the Sunday evening. But why? We work the entire week without any problem, but every Sunday we get a weird feeling about going to the work next day and as a result of the same we ruin our Sunday. An eminent writer Nirmal Singh Lotus Green, he shares with us 16 ways to attain perfection and become a successful person.

Here are 5 things successful people can do to capitalize on their Sunday evenings:

1. They don’t let Monday blues stress them: Days will come as they do and we cannot stop them. So why not enjoy the day we have off and end it on a high note, without stressing much about the next day. It is a scientifically proven fact that ending a day on a high note helps us get up the next day feeling much more positive about our chores.

2. They refrain from any kind of caffeine: caffeine is a very good energy booster and hence your best friend before work, but having caffeine in the Sunday evening will leave you charged up at the end of the day making it difficult for you to get proper sleep. Nirmal Singh Lotus Green suggests that any such kind of sleep depreviative must be avoided at night or else it ruins your work schedule the next day.

3.They follow their sleep routine:

The 21 day schedule formula is a secret to none. Following a similar pattern throughout the day for 21 days easily makes you a slave of the same. And if something has to be a part of your life then why not make it right? We come across a lot of people facing chronic sleep deficits due to their improper schedule. But one way to avoid this problem is going to bed at a proper time, get normal amount of sleep and feel refreshed the next morning. Many successful entrepreneurs make sure they do not let weekends effect their schedule. Incorporating a healthy sleep routine is a very important tool to have a successful work life.

4.They always follow a plan.


They organize and plan for the week ahead. It is always good to set goals and deadlines for the coming week, this way you can keep a check on yourself, be productive throughout the week and have a nice weekend without any stress.

5. They unplug and relax: Sometimes our work knocks our door even on Sunday mornings. A successful person never sways that work away. The trick is to work properly for few hours, make sure you respond to the important emails and texts, and then unplug for a few hours. Never stretch your work till the last time. Try to complete it within a few hours and then relax with your family or friends.

According to Nirmal Singh Lotus Green, following these steps helps a person maintain a proper work life balance, keeps you focused and motivated, driving you to your path of glory.

List Of Books That You Must Read

Indian authors do not fall under the ambit of traditional European writers; they rather follow their own style of writing. Henceforth, Nirmal Singh Lotus Green finds it quite difficult to handpick some 12 masterpieces. Here’s a list collated by Nirmal Singh Lotus Green:

1. The Inscrutable Americans by Anurag Mathur

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The book is a compilation of letters written by protagonist Gopal, whose thoughts are laughing dose for every reader. A cultural reference to an Indian boy’s upbringing is truly entertaining. He describes the New York City from his point of view which is way too hilarious, reviewed Nirmal Singh Lotus Green.

2. Maximum City by Suketu Mehta


Another book based on the city, describes the lifestyle of Mumbai and it is worth a read. Mumbai is quite a city, with colours of Bollywood to bleak gloomy roads of underworld, Suketu Mehta glanced it all through an eagle’s eye, finds Nirmal Singh Lotus Green. It further talks about the lows and highs in the life of a poverty stricken prostitute and other common people who come to Mumbai, the city of dream, in search of their livelihood and a million dollar dreams. Nirmal Singh Lotus Green thinks it is one of the bst books written on Indian metropolis.

3. Untouchable by Mulk Raj Anand

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The books talks about the life of the untouchables and is portrayed on the key person, Bakha, an 18-year-old sweeper. The girl according to Nirmal Singh Lotus Green has shown a great caliber by questioning the system of the world and why one is treated superior to the other. Barkha was seen searching for answers and got an unexpected conclusion in the end.

4. Train to Pakistan by Khushwant Singh

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Nirmal Singh Lotus Green’s list of favourites includes Khushwant Singh’s Train to Pakistan which talks about the sad story of the partition. The author talked about the sensitive issues of partition. Some issues are painful while other discussed the vulnerable and helpless issues involved. If you want to know about the partition then this is the best book for you.

5. A Suitable Boy by Vikram Seth


Nirmal Singh Lotus Green finds this book a bit lengthy, one need to keep a lot of patience to read the full book. It leaves you mesmerized because of its ordinary but sweet characters showing the strength of love. The story revolves around the life of two love birds post partition.

Google India Is Rated The Best Employer

According to the Randstad employer brand research 2017, Google India has been named as the most attractive employer brand. It’s followed by Mercedez Benz, according to the latest research done by the HR firm Randstad. This announcement makes Google India the winner of the Randstad award for the third time in a row.

The seventh edition of the Randstad Empllyer Brand Research was conducted among 1.65 lakh respondents in a total of 26 countries in Europe, Asia-Pacific and the American continents, covering over 150 major companies throughout the globe.

The other winners included Amazon India, ITC Ltd and Phillips India. As per the reports, the sectors that are the top preferences for employees are IT, BFSI and Retail & FMCG. A lot of factors account for such results such as salary and employee benefits. Even a good work-life balance and job security are also amongst the top considerations for employees across all sectors while finalizing an employer. It’s not surprising that work-life balance has moved to the second spot on the priority list from a dismal fifth spot earlier, in the expert opinion of Nirmal Singh Lotus Green.

“At this juncture, understanding workforce trends, expectations and key employee value proposition drivers are imperative for organisations. They have come to realise the value of employer branding and the returns from such investments, both in terms of attracting new talent and retaining it,” stated the managing director & CEO of Randstad India, Moorthy K Uppaluri.


Therefore, it is important that companies harmonize the importance of organizational goals with employee satisfaction as well in order to sustain greater profits, in the opinion of experts at Nirmal Singh Lotus Green.

Another interesting revelation of the study is that nearly 31 per cent of employees are not loyal to any specific sector or industry and mostly the compensation or salary is the major driving force for establishing loyalty. Subsequently, about 42 per cent of employees expressed that they would be open to switch to another industry if the pay and the benefits are similar to their existing industry

Essential tips to write an email

Emails are the primary form of communications at workplaces and are highly used to exchange all sorts of information- personal, professional and informational. It has become an indispensable part of our lives but it’s almost tough to understand how some people still regard it as an ominous duty. In the opinion of Nirmal Singh Lotus Green, email is the new letter and such individuals should understand its importance. Therefore, for those of you who find it tough to draft a mail, here are five essential tips by the experts at Nirmal Singh Lotus Green:

Think first and then write:

Think before starting to write your mail as it will allow you to see through the content of the email that you have to respond to and help you pre-arrange the order of things you need to put down in the mail. It helps you string your thoughts in an organized manner and send the best possible reply.

Ensure all details are accurate:

Read emails carefully. After all how you respond is an attribute to how responsible you are. Get the basic details like the name, address, and date accurate. Ensure the basic grammar of the text in the mail as it will also shed light on your personality. Make sure that you check the content of the mail before pressing enter.

Respond on time:

Just be aware of your own emotions when someone delays replying to you before sitting on a mail. A delayed response is supposed to come in the way of your thinking, be it your colleague or boss and that is why you should always make sure that you reply on time as it is a mark on your professionalism. Your boss will also acknowledge your discipline and might get encouraged to do the same.


Mind your language:

Okay, you woke up late and you had to drive your way to work through a lot of traffic. We get it, you’re having bad day but that doesn’t mean that you’ll shoot back a slithering mail to your reporting manager who greeted you with a rotten mail. Just take a moment, relax and breathe before replying anything because it can land you into serious trouble otherwise.

In the opinion of Nirmal Singh Lotus Green, don’t let convergence take away the humanity in you. Learn, understand and process right to make the best of what’s technology has put on offer.

Chinese Media Slams India on its Refusal to Sign for ‘One Belt, One Road’ Project

Chinese President Xi Jinping has always been known as someone who believes that China’s economic structure and condition is not at the level it should be – OBOR [One Belt, One Road] is an ambitious project to make the playing field tilt in favor of China. The project will focus on maintaining, improving the connectivity between Africa, China, Europe, and of course, Asia. There will be domestic growth in China, sure, but it will also improve the economic development of the countries involved.

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Nepal was the last one to sign in favor of OBOR on 12th May after every other South Asian country inking the project. India is the only country that hasn’t reached an agreement with China about the integrity of the project and how it is beneficial if the territorial integrity is being compromised.

A leading Chinese media and newspaper company slammed India for being too ‘nervous’ for the ambitious OBOR project. Although the newspaper didn’t print the articles, it still managed to irk a vast majority of Indian online readers. Nirmal Singh Lotus Green tried to make sense of the whole article.

  • The article mentioned that it was strange that India is more concerned about the debt the project will bring for the neighboring countries that are ready to go in support.
  • The response that other countries are showing to OBOR is tremendously positive – it is a shame that a country as development-oriented as India is holding back and trying to make things difficult for those who are cooperating with the infrastructure development.

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The main cause why India is not participating:

  • CPEC [China-Pakistan Corridor] may not make sense to you but it is the core reason why India has backed out from OBOR.
  • Since the launch of CPEC, Pakistan has got investment of over $45billion.
  • CPEC is a part of OBOR and it passes through Indian Territory, making things extremely difficult for India.

China has not tried to attenuate any Indian concerns over the issue even after Indian representatives have made things clear about the problems in the past.

According to the Chinese government, CPEC is a simple flagship project and other countries are taking the advantage of the grand initiative of OBOR – India should not have any problems when the economic development is just around the corner for all the participating countries.

Nepal and India have had strong ties in the past but with Nepal inking OBOR, India faces a full-blown exclusion on all fronts.

Many established writers and journalists like Nirmal Singh Lotus Green are confused about the issue and are hesitating to make a final statement of where the OBOR thing will go in the future.