MUDRA LOANS

1) ಮುದ್ರಾಸಾಲ  (MUDRA) ಯೋಜನೆ ಎಂದರೇನು?
(Micro-Units Development & Refinance Agency)
ಮುದ್ರಸಾಲ ಯೋಜನೆ ಎಂಬುದು ನಮ್ಮ ಪ್ರಧಾನಿಯವರ ಕನಸು.  ನಿರುದ್ಯೋಗ ನಿವಾರಣೆಯತ್ತ ನಮ್ಮ ದೇಶವಿಟ್ಟಿರುವ ಮಹತ್ತರವಾದ ಹೆಜ್ಜೆ.   2015ರ ಏಪ್ರಿಲ್ 8-ರಂದು ಈ ಯೋಜನೆಯನ್ನು ದೇಶಾದ್ಯಂತ ಜಾರಿಗೊಳಿಸಲಾಯ್ತು. 

ಸಣ್ಣ ಪ್ರಮಾಣದ ಕೈಗಾರಿಕೆಗಳು (Egs.-Garment Manufacturing), ವ್ಯಾಪಾರಗಳು (Egs.-Provision shop), ಸೇವಾ ಘಟಕಗಳು (Egs.-Beauty Parlour), ಕೃಷಿ-ಜೊತೆಗಿನ ಉದ್ಯೋಗಗಳು (Egs.-Cattle-rearing) ಇವುಗಳಿಗೆ 10 ಲಕ್ಷ ರೂ. ಗಳವರೆಗಿನ ಸುಲಭ ಆಧಾರ-ರಹಿತ ಸಾಲವನ್ನು (Loans without collateral security or third party guarantee) ಬ್ಯಾಂಕುಗಳ ಮುಖಾಂತರ ಒದಗಿಸಿಕೊಡುವುದೇ ಈ ಯೋಜನೆಯ ಉದ್ದೇಶ. ವಹಿವಾಟಿನ ಪ್ರಮಾಣಕ್ಕನುಸಾರವಾಗಿ ನೀಡುವ ಸಾಲಗಳನ್ನು 3 ವಿಭಾಗಗಳಾಗಿ ವಿಂಗಡಿಸಬಹದು. 

ಶಿಶು - ರೂ. 5೦,೦೦೦ ಗಳವರಗೆ 
ಕಿಶೋರ - ರೂ. 5 ಲಕ್ಷದವರಗೆ 
ತರುಣ - ರೂ.10 ಲಕ್ಷದವರಗೆ 

ಹೊಸದಾಗಿ ಆರಂಭಿಸುವ ಹಾಗೂ ಈಗಾಗಲೇ ನಡೆಸುತ್ತಿರುವ ಉದ್ದಿಮೆ/ವಹಿವಾಟುಗಳಿಗೂ ಅವಕಾಶವುಂಟು. (New Units and Existing Units)

ಆಟೋ/ಟ್ಯಾಕ್ಸಿ/ಟೆಂಪೋ ಖರೀದಿಸಲು ಈ ಯೋಜನೆಯಡಿ ಸಾಲ ದೊರೆಯುವುದೆ?
-ಖಂಡಿತ .  ಸಾಲದ ಮಿತಿ 10 ಲಕ್ಷಗಳ ಒಳಗೆ ವಾಹನ ದೊರೆಯುವಂತಿರಬೇಕು.

ಕೃಷಿಗೆ  ಈ ಯೋಜನೆಯಡಿ ಸಾಲ ದೊರೆಯುವುದೆ?

ಇಲ್ಲ .  ಅವುಗಳಿಗೆ ಬೇರೆ-ಬೇರೆ ಯೋಜನೆಗಳಿವೆ .

ಆದರೆ ಕೃಷಿ-ಜೊತೆಗಿನ ಚಟುವಟಿಗೆಗಳಾದ - ಪಶು-ಸಾಕಾಣಿಕೆ (animal husbandry) ,  ಬೀಜ-ರಸಗೊಬ್ಬರ ವ್ಯಾಪಾರ (seeds-fertilizers business), ಕೀಟನಾಶಕ ಔಷಧಿ ಸಿಂಪಡಿಸುವಿಕೆ (spraying pesticides)   ಮುಂತಾದವುಗಳಿಗೆ ಅವಕಾಶವುಂಟು . 


2) ಸಾಲಪಡೆಯುವ ಅಭ್ಯರ್ಥಿಯ ಅರ್ಹತೆಗಳೇನು?(eligibility)
-ಸಾಲಪಡೆಯುವ ಕ್ಷೇತ್ರದಲ್ಲಿ ಅಭ್ಯರ್ಥಿ ಕಳೆದ 2 ವರ್ಷಗಳಿಂದ ವಾಸವಿರಬೇಕು. 
-ಯಾವುದೇ ಬ್ಯಾಂಕ್ ಒಂದರ ಸಾಲವನ್ನು ಅವಧಿ ಮೀರಿ ಬಾಕಿ (not a defaulter) ಉಳಿಸಿಕೊಂಡಿರಬಾರದು.   
-ತಾವು ಯೋಜಿಸಿರುವ ಉದ್ಯಮದ ಚಟುವಟಿಕೆಗಳಿಗೆ ಬೇಕಾಗುವ ತರಬೇತಿಯನ್ನು ಪಡೆದಿರುವರಿಗೆ ಆದ್ಯತೆ ಉಂಟು.  ಗ್ರಾಮೀಣಾ ಸ್ವಯಂ-ಉದ್ಯೋಗ ತರಬೇತಿ ಸಂಸ್ಥೆ (RSETI) ಬೇಕಾದ ತರಬೇತಿಯನ್ನು ನೀಡುತ್ತದೆ. ಪ್ರತಿಜಿಲ್ಲೆಯಲ್ಲೂ ಈ ಸಂಸ್ಥೆ ಇರುತ್ತದೆ. 

3) ಸಾಲದ ನಿಯಮ-ಷರತ್ತುಗಳ  (Terms and conditions) ವಿವರವೇನು?
-Margin - ಅಭ್ಯರ್ಥಿ ತೊಡಗಿಸಬೇಕಾದ ಮೊತ್ತ 
ಶಿಶು ಸಾಲಗಳಿಗೆ - NIL , ಬೇಡ 
ಕಿಶೋರ ಮತ್ತು ತರುಣ ಸಾಲಗಳಿಗೆ  - 10%

-ಸಾಲದ ಮರುಪಾವತಿ ಅವಧಿ (Repayment Period)
Term Loan (Avadhi Sala)
5 ವರ್ಷಗಳು-ಸುಲಭ ಕಂತುಗಳಲ್ಲಿ  (ಮರುಪಾವತಿ ಆರಂಭಿಸಲು                        6 ತಿಂಗಳವರೆಗಿನ ಕಾಲಾವಕಾಶವಿರುತ್ತೆ - Holiday period). 
Loan installments are subject to income generation pattern of the activity.

Overdraft is for 1 year period, and can be renewed every year

-ಭದ್ರತೆಗಳು (Securities)
ನೀಡಿದ ಸಾಲದಿಂದ ಖರೀದಿಸಿದ ಆಸ್ಥಿಗಳು ಮಾತ್ರ 
ಮನೆ  ಇತರ ಸ್ಥಿರಾಸ್ತಿಗಳ  (No Immovable properties) ಆಧಾರವನ್ನು ನೀಡಬೇಕಾದ್ದಿಲ್ಲ .  
ಮೂರನೇ ವ್ಯಕ್ತಿಯ ಜಾಮೀನು ನೀಡಬೇಕಾಗಿಲ್ಲ.  (No Third party guarantee)

-ಬಡ್ಡಿಯ ದರ (Rate of Interest)
ಸುಮಾರು 9-11% ( linked to MCLR of the bank)

4) ಈ ಸಾಲವನ್ನು ಪಡೆಯವುದು ಹೇಗೆ?
ಅಭ್ಯರ್ಥಿ ತನ್ನ ನಿವಾಸದ ಅಥವಾ ಉದ್ದಿಮೆಯ ಹತ್ತಿರವಿರುವ ಯಾವುದೇ ಬ್ಯಾಂಕನ್ನು ಸಂಪರ್ಕಿಸಬಹುದು. ಸರ್ಕಾರಿ ವಲಯದ ಬ್ಯಾಂಕುಗಳನ್ನು (Public Sector Bank like SBI, Canara Bank) ಸಂಪರ್ಕಿಸುವುದು ಒಳ್ಳೆಯದು. 
ಗ್ರಾಮೀಣ ಜನರು ತಮ್ಮ ಹಳ್ಳಿಗಳಿಗೆ ಹತ್ತಿರವಿರುವ ಬ್ಯಾಂಕುಗಳನ್ನು ಸಂಪರ್ಕಿಸಬಹದು. 
ಶಿಶು ಸಾಲಕ್ಕೆ - 1 ಪುಟದ ಅರ್ಜಿ 
ತರುಣ್ ಹಾಗು ಕಿಶೋರ ಸಾಲಗಳಿಗೆ - 3 ಪುಟದ ಅರ್ಜಿ 
ಆಧಾರ್ ಕಾರ್ಡ  ಅಥವ  ವೋಟರ್ ಐಡಿಗಳು
PAN ಕಾರ್ಡ್ (ಖಡ್ಡಾಯವಿಲ್ಲ)
2 ಭಾವಚಿತ್ರಗಳು 
ಉದ್ದಿಮ್ಮೆಗೆ ಸಂಬಂಧಪಟ್ಟ ದಾಖಲೆಗಳು (Project report, licence)
ಖರೀದಿಸಬೇಕಾದ ಯಂತ್ರಗಳು, ಉಪಕರಣಗಳು, ಸಾಮಾನುಗಳ ವಿವರ ಮತ್ತು 
 quotationಗಳು 
ತರಬೇತಿಪಡೆದ ಬಗ್ಗೆ ದಾಖಲೆಗಳು 
ಕುಟುಂಬದ ವಿವರ etc. etc......

ಸಾಲಪಡೆಯುವಲ್ಲಿ ಎಷ್ಟು ಸಮಯ ಬೇಕಾಗಬಹುದು?
ಎಲ್ಲಾ ವಿವರಗಳನ್ನು ನೀಡಿದ ಮೇಲೆ, ಶಿಶು ಸಾಲವಾದರೆ ಸುಮಾರು ಒಂದು ವಾರದೊಳಗೆ ಸಾಲ ದೊರೆಯಬಹುದು.  ಹೆಚ್ಚಿನ ಮೊತ್ತದ ಸಾಲಗಳಿಗೆ ಸ್ವಲ್ಪ ಜಾಸ್ತಿ ಸಮಯ ಬೇಕಾಗಬಹುದು. 
ಮುದ್ರಾ ಕಾರ್ಡ್ ಎಂದರೇನು?

ಎಲ್ಲಾ ಮುದ್ರಾ ಸಾಲಗಾರರಿಗೆ ರೂಪೇ-ಮುದ್ರಾ ಕಾರ್ಡ್ ನ್ನು ವಿತರಿಸಲಾಗವುದು.  ಸಾಲದ ಹಣವನ್ನು ಈ ಕಾರ್ಡ್ ನ ಮುಖಾಂತರ ಬೇರೆ ಬೇರೆ ಕಡೆಗಳಲ್ಲಿ ಉದ್ದಿಮೆಗೆ ಬೇಕಾದ ಸಾಮಾನುಗಳನ್ನು ಖರೀದಿಸಬಹುದು. 

5) ದೇಶಾದ್ಯಂತ ಕಳೆದ ಮೂರುವರೆ ವರ್ಷಗಳಿಂದ ಜಾರಿಯಲ್ಲಿರುವ ಈ ಯೋಜನೆ ಯಶಸ್ಸು ಕಂಡಿದೆಯೆ?
                                                                      (Rs. in Crores)

-ಕೇಂದ್ರ ಸರ್ಕಾರದ ಅಂಕಿ-ಅಂಶಗಳ ಪ್ರಕಾರ ಕಳೆದ ಮೂರುವರೆ ವರ್ಷಗಳಲ್ಲಿ ಸುಮಾರು 12 ಕೋಟಿ ಫಲಾನುಭವಿಗಳಿಗೆ, 6 ಲಕ್ಷ  ಕೋಟಿ ರೂಗಳಷ್ಟು ಸಾಲವನ್ನು ವಿತರಿಸಲಾಗಿದೆ. 

75%ರಷ್ಟು ಫಲಾನುಭವಿಗಳು ಯುವಕರು ಹಾಗು ಮಹಿಳೆಯರು 

28%ರಷ್ಟು ಫಲಾನುಭವಿಗಳು, ಅಂದರೆ 3.25 ಕೋಟಿಯಷ್ಟು ನಿರುದ್ಯೋಗಿಗಳು.  ಹೀಗಾಗಿ ಉದ್ಯೋಗ ಸೃಷ್ಟಿಯಲ್ಲಿ ಇದೊಂದು ಮಹಾಕ್ರಾಂತಿಯೇ ಸರಿ! 

55%ರಷ್ಟು ಫಲಾನುಭವಿಗಳು SC/ST/OBC categories                                        
ಸುಮಾರು 11 ಕೋಟಿಯಷ್ಟು ಫಲಾನುಭವಿಗಳಿಗೆ ಶಿಶು ಸಾಲ ದೊರೆತಿದೆ .  ಅಂದರೆ ಈ ಯೋಜನೆಯ ಸಿಂಹಪಾಲು ಬಡವರಿಗೆ ದೊರೆತಿದೆ. 

ನೀಡಿದ ಸಾಲಗಳ ಮರುಪಾವತಿ ಸ್ಥಿತಿ  (Repayment position) ಹೇಗಿದೆ?

ಸಂತೋಷದ ಸುದ್ದಿ ಏನೆಂದರೆ, ನಮ್ಮ ದೇಶದ ಸಾಮಾನ್ಯ ಪ್ರಜೆಗಳು ಪ್ರಾಮಾಣಿಕರು ಹಾಗೂ ಕಷ್ಟಪಟ್ಟು ದುಡಿಯುವಂತವರು.  ಹಾಗಾಗಿ ಈ ಯೋಜನೆಯಡಿ ನೀಡಿದ ಸಾಲಗಳ ಮರುಪಾವತಿ ಉತ್ತಮವಾಗಿದೆ.  

ಮರುಪಾವತಿಯಾಗದ ಸಾಲಗಳ (NPAs) ಪ್ರಮಾಣ ೪% ಮಾತ್ರ. 

6) ಈ ಯೋಜನೆಯಡಿ ಸಾಲಪಡೆಯುವಲ್ಲಿ ತೊಂದರೆಗಳು ಎದುರಾದರೆ ಏನು ಮಾಡಬೇಕು? (Grievances Redressal)

 ಅರ್ಹ ಅಭ್ಯರ್ಥಿಗಳಿಗೆ ಸಾಲ ದೊರಕುವುದರಲ್ಲಿ ಯಾವುದೇ ತೊಂದರೆಯಾಗದು.  ಅರ್ಜಿ ತಿರಸ್ಕೃತವಾಗಬೇಕಾದರೆ ಬ್ಯಾಂಕ್ ನ್ಯಾಯಸಮ್ಮತವಾದ ಕಾರಣಗಳನ್ನು (Valid reasons) ನೀಡಲೇ ಬೇಕಾಗುತ್ತದೆ. ಆದರೂ ತೊಂದರೆಗೊಳಗಾದ ಅಭ್ಯರ್ಥಿಗಳು ಸಂಬಂಧಪಟ್ಟ ಬ್ಯಾಂಕಿನ ರೀಜನಲ್ ಮೆನೇಜೆರ್ ರವರನ್ನು  (Regional Manager) ಸಂಪರ್ಕಿಸಬಹುದು.

ಹತ್ತಿರವಿರುವ ಮತ್ತೊಂದು ಬ್ಯಾಂಕನ್ನೂ ಸಂಪರ್ಕಿಸಬಹುದು. 

7) ಹೊಸ ಅಭ್ಯರ್ಥಿಗಳಿಗೆ ನೀವು ನೀಡುವ ಸಂದೇಶವೇನು?
-ಉತ್ಸಾಹ ಮತ್ತು ನಿರ್ವಹಿಸುವ ಶಕ್ತಿ ಅತ್ಯವಶ್ಯಕ.  (enthusiasm and energy)
ನೀವು ಆರಂಭಿಸ ಬೇಕಿರುವ ಉದ್ದಿಮೆಯ ಬಗ್ಗೆ ಚೆನ್ನಾಗಿ  ತಿಳಿದುಕೊಳ್ಳಿ. 
ನಿಮ್ಮ ಉದ್ದಿಮೆಗೆ ಸರಿಯಾದ ಸ್ಥಳವನ್ನು ಆಯ್ಕೆಮಾಡಿ. 
-ಅನುಭವ/ತರಬೇತಿಗಳನ್ನು ಪಡೆದಿದ್ದರೆ ಉತ್ತಮ (Experience/training)
-ಹಿರಿಯ ಫಲಾನುಭವಿಗಳ/ಉದ್ದಿಮಿಗಳ  ಮಾರ್ಗದರ್ಶನವನ್ನು ಪಡೆಯಬಹುದು 
(senior MUDRA borrowers)
-ನಿರ್ಭಯವಾಗಿ ನಿಮ್ಮ ಹತ್ತಿರದ ಬ್ಯಾಂಕನ್ನು ಸಂಪರ್ಕಿಸಿ 
-ಎಲ್ಲ ವಿವರಗಳನ್ನು ನೀಡಿ 
-ಸಾಲ ಪಡೆದ ಮೇಲೆ ನಿಮ್ಮ ಮೇಲೆ ಜವಾಬ್ದಾರಿ ಹೆಚ್ಚಿರುತ್ತದೆ.
Make best use of the loan sanctioned! 
ಮರುಪಾವತಿಯ ಕರ್ತವ್ಯ ನಿಮ್ಮದು. (Repayment obligation)
-ಉತ್ಸಾಹ, ದುಡಿಮೆ, ಪ್ರಾಮಾಣಿಕತೆ  ನಿರಂತರವಾಗಿರಬೇಕು. (Be honest)
-ಇತರರಿಗೂ ಮುಂದೆ ಮಾರ್ಗದರ್ಶನ ನೀಡಿ
                                                 -೦-೦-೦-೦-೦-೦-೦-೦-೦-

ಕಾರ್ಯಕ್ರಮದ ನಡುವೆ ಈ ಕೆಳಕಂಡ ಚಿತ್ರಗಳನ್ನು ಪಕ್ಕದಲ್ಲಿ ತೋರಿಸುತ್ತಿರಬಹುದು. 

ಮೇಲೆ ಉಪಯೋಗಿಸಿರುವ ಚಿತ್ರಗಳ ಹಕ್ಕು-ಸ್ವಾಮ್ಯ ನನಗಿಲ್ಲ .  ಅವುಗಳ ಮೂಲಕ್ಕೆ ನನ್ನ ಧನ್ಯವಾದಗಳು. 

ಬೀಳದಿರು ಪಾತಾಳಕೆ!

ಬೀಳದಿರು ಪಾತಾಳಕೆ!

ನಮ್ಕಿಸೆಯ ರುಪಾಯೇ ಬೀಳದಿರು ಪಾತಾಳಕೆ 

ತಳ್ಳದಿರು ನಮ್ಮ ಕಂಡರಿಯದ ತಳಮಳಕೆ 

ಕಳಿಸಿಹೆವು ನಮ್ಮೊಲುಮೆಯ ಕುಡಿಯ 

                                ವಿದೇಶದ  ವ್ಯಾಸಂಗಕೆ 

ಕಂಡಿಹೆವು ಕನಸ ತಲೆಮೇಲ ಸೂರೊಂದಕೆ 

ಕಮರಿಹುದಾಸೆಗಳು ಬರಿಸಲಾರದೆ ಹೊರೆಯ 

ಬೆಲೆಗಳೇರಿರೆ ಎತ್ತರದ ಹೊಸಗಗನಕೆ 

ಬಿದ್ದರೇನು ಕುಂದಿಲ್ಲ, ನೀನಿನ್ನೂ ಸೋತಿಲ್ಲ 

 ನಿನ್ನಲಿಹುದು ಪುಟಿದೇಳುವ ಯುಕ್ತಿ  

ದೊರೆಕಿಸು ನಮಗೆಲ್ಲ ಬೆಲೆಗಳಿಂದ ಮುಕ್ತಿ 

ನಿನ್ನ ಹಿಂದಿಹುದು ನವ ಭಾರತದ ಶಕ್ತಿ 

ರಚನೆ: ಲಕ್ಷ್ಮೀನಾರಾಯಣ ಕೆ. 

(ಮೇಲಿನ ಚಿತ್ರದ ಮೂಲಗಳಿಗೆ ಧನ್ಯವಾದಗಳು)

25th Teachers Day

At the outset I wish all our teachers a very 'Happy Teachers Day'. It is said that 

a good teacher explains, 

a superior teacher demonstrates and 

a great teacher inspires!  

I salute all my teachers who have inspired me in my life.

With all humble feelings I would like to tell you all that this year's Teachers Day marks the completion of 25 years of my career as a trainer and teacher in the banking industry.  It was on 3rd Sep 1993 

that I reported as a faculty for my mother institution i.e. Indian Bank.  My banking faculty journey continued as a freelancer and founder faculty for IFBI_NIIT, Bengaluru.  Presently I am with Manipal Academy of BFSI, Bengaluru. I thank all these great institutions for providing me the opportunity.

I fondly recall my students who were either seasoned banking professionals or budding bankers.  I proudly remember many of my early students who have now become top executives in banks. I 

have experienced greatest moments in my life when my old students have recognized me and spoken to me with a thankful feeling for what little I had taught to them.

During these 25 years I have seen great transformation in the way 

training is imparted to trainees. Black board-Chalk piece classrooms have given way to high tech classrooms and Labs.  Lecturing method has given way to imparting skills through activities and games.  Training has now become customized keeping in mind the needs of modern banks.  Therefore for me my career as a trainer is that of continuous learning and skill up-gradation along with my students!

A teacher's strength lies in his preparation for the day.  I have realized that 'a teacher is as good as his preparation for the day' and one can't sit on past laurels!  

I also fondly remember all my faculty colleagues who have guided me through this long journey.  I remember Mr. Jayashankar of Indian Bank who guided me during my early days.  I also remember  

Dr. Amaranath of Indian Bank (down left) whom I would like to respect as the 'Guru of Gurus'.  Through my good friend Mr. Nagesha K.S. (down right) I learnt what is sincerity in training and how to do multi-tasking.  Top above is Mr. Keshava Murthy who is presently my colleague.  He is a power house of knowledge.  He has taught me the essence of sense of humour.  He has also initiated me to the world of blog-writing and he himself is a great writer.

I also remember with respect Mr. Rahul Aradhya (centre above) who was once my Assistant Faculty and presently my Boss!  Under his leadership I have designed and introduced new activities like 'field visits, out-door classes and blind-fold activity' to impart selling skills to students.

My organization has also given me opportunity to introduce inter-vertical activities setting competition among future bankers and insurance professionals (BFSI students).  During 4th Dec 2014, I designed and introduced the contest named 'GAMES TRAINERS PLAY' which was a contest for teams consisting of faculty members and students. I may not be wrong if I say it was first of its kind in the entire banking industry.

A couple of years ago when I was watching the popular TV show 'Bigg Boss', the creative child in me thought of adopting it as a 

contest among teams of our BFSI students. With the support of my present Boss Mr. Balasubramaniam, colleagues and my students I could conduct this contest under the name 'Big B.O.S.S.' (where B.O.S.S. stands for BFSI Officer's Skill Set)

on 24th August 2018.  It was 'reality show' wherein our 9 participating teams were exposed to 4 different live situations by the Big B.O.S.S. of the event (see pic above).

The four events were the 'Kitchen event, Field event, Sales event and the event of creating their own BFSI company'. Students participation was much beyond our expectations. Especially in

the Sales event our contesting teams sold physical and service goods and earned a profit of Rs.8,547 within a short period of 90 minutes.  

As declared earlier the entire profits were sent towards Kerala Flood Relief Fund. Speaking out of my experience in the banking 

industry as a faculty, once again I can say that such a reality show as a contest may be first of its kind in the entire BFSI industry.  I am thankful to my colleagues, students and my organization who have made it possible through my humble services.

Last but not the least I proudly would like to record that I am from a family of teachers.  My grand father was a teacher.  My three 

sisters and one brother (Mr. Ramesha K, first left in Pic,  Inspiring Sports Teacher) are teachers.  Two days ago my son      Dr. Subhash has joined as an Assistant Professor in the reputed Warwickshire University, Birmingham, UK.  Therefore it is a rare occasion wherein both father and his son are serving as teachers at one time!
                                  

Long live the fraternity of teachers
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ದುಬಾರಿ ಡಾಲರ್

ಅಮೆರಿಕದ ಡಾಲರೇ ಶರಣು, ಸಮನಾರು ನಿನಗೆಂಬೆನು?

ಕಿಸೆಯಲಿ ರೂಪಾಯಿ ಮಾತ್ರವುಳ್ಳ ಬಲಹೀನ ನಾನು 

ಕಚ್ಚಾತೈಲ ಖರೀದಿಸಲು ನೀನೇ ಬೇಕಂತೆ 

ಅದರ ಬೆಲೆಯೇರುತಿರೆ ನಿನ್ನ ಹಿಡಿವರಾರಂತೆ?

ನಿನ್ನ ಗಳಿಸಲು ರಪ್ತು ಹೆಚ್ಚು ಮಾಡಬೇಕಂತೆ 

ಏರುತಿರೆ ಆಮದು ನೀ ಮುನಿದು ಓಡುವೆಯಂತೆ 

ಪಡುತಿರುವರಂತೆ ಎಲ್ಲ ನಿನ್ನ ಪಡೆಯುವ ಕಾತರ 

ಅದೇ ವಿಶ್ವದ ದಿಗ್ಗಜರ ನಡುವಿನ ವ್ಯಾಪಾರ ಸಮರ 

ಸುಂಕ -ಮರುಸುಂಕಗಳ ಸರಣಿಯ ಥರಥರ 

ಅದಕೆ ಏರಿದೆಯಂತೆ ನಿನ್ನ ಬೆಲೆಯೂ ಸರಸರ 

ಏನೆಂದು ಬಣ್ಣಿಸಲಿ ನಿನ್ನ ಅಟ್ಟಹಾಸ 

ಏರಿಸಿರುವೆ ಬೆಲೆಗಳ ಬರೆದು ಹೊಸ ಇತಿಹಾಸ 

ನನಸುಗೊಳಿಸಬಹುದೇ ನಮ್ಮ ಮನೆ-ಮದುವೆಗಳ ಕನಸ?

ಬದುಕನೇ  ಮಾಡಿರುವೆ ನಮ್ಮ ಪಾಲಿಗೊಂದು ದುಃಸ್ಸಾಹಸ
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(ಮೇಲೆ ಉಪಯೋಗಿಸಿರುವ ಚಿತ್ರದ ಹಕ್ಕುಸ್ವಾಮ್ಯ ನನಗಿಲ್ಲ. ಅದರ ಮೂಲಕ್ಕೆ ನನ್ನ ಧನ್ಯವಾದಗಳು.
I don't have copyrights on the picture used above.  Thanks to the source.)

ಟ್ರ೦ಪನ ರ೦ಪ

ವಿಶ್ವದ ದೊಡ್ಡಣ್ಣ, ಅವನೇ ಟ್ರ೦ಪಣ್ಣ 

'ನಮದೇ ಕೊಳ್ಳಿ, ನಮ್ಮವರನೇ  ನೇಮಿಸಿಕೊಳ್ಳಿ'

ಎಂಬುದೆ ಅವನ ಅಂಬೋಣ 

ಅದ ಕಂಡು ನಡುನಡುಗಿ ಜಗತ್ತೇ ತಲ್ಲಣ 

ಕಾರಬಾರು ನಡೆಸಿದೆಯಂತೆ ಅಮೆರಿಕಾ ತುಂಬಾ ಚೀನಾ 

ಗಳಿಸಿದೆಯಂತೆ ಡಾಲರುಗಳ ಝಣಝಣ, ಜೊತೆಗೆ ಉನ್ನತ ತಂತ್ರಜ್ಞಾನ 

ಅದ ಕಂಡು ಕೆಂಪಾಗಿದ್ದಾನಂತೆ ಮುನಿದು ಟ್ರ೦ಪಣ್ಣ 

ಯೋಜಿಸಿದ್ದಾನಂತೆ ಹಾಕಲದಕೊಂದು  ಕಡಿವಾಣ 

ಚೀನೀ ಸರಕು ತಲುಪಲೀಗ ಅಮೆರಿಕಾ 

ತೆರಬೇಕಂತೆ ಭಾರೀ ಸುಂಕ 

ವಿಧಿಸಿದೆಯೆಂತೆ ಚೀನವು ದುಬಾರಿ ಮರುಸುಂಕ 

ಹೇಗಿದೆ ನೋಡಿ, ಟ್ರ೦ಪನ ರಂಪ, ಚೀನಾದ ಬಿಂಕ 

ಅಪ್ಪ-ಅಮ್ಮನ ಜಗಳದಲಿ ಬಡವಾಯ್ತ೦ತೆ ಕೂಸು 

ಬೇರೆಲ್ಲ ದೇಶಗಳ ನಡುವೀಗ ಸಂಕಟದ ಗುಸುಗುಸು 

ನಮ್ಮನ್ನೂ ಬಿಟ್ಟಿಲ್ಲ ಇದರ ಇರಿಸು-ಮುರಿಸು 

ಸಾಗಬೇಕಿದೆ ನಡುವೆ ನಮ್ಮ ವಿಕಾಸದ ಕನಸು 

ವಿಶ್ವವೊಂದೀಗ ಪುಟ್ಟಗ್ರಾಮ 

ಬಾರದು ಬಾರದೀಗ ವ್ಯಾಪಾರ ಸಂಗ್ರಾಮ 

ಬೇಡೀಗ ದೊಡ್ಡಣ್ಣ ವಲಸಿಗರ ಹೊರಗಟ್ಟುವ ಕರ್ಮ 

ಬೇಗ ಸದ್ಬುದ್ಧಿಯ ದಯಪಾಲಿಸೋ ಎಲ್ಲರಿಗು ರಾಮರಾಮ
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(ಮೇಲೆ ಉಪಯೋಗಿಸಿರುವ ಚಿತ್ರದ ಹಕ್ಕುಸ್ವಾಮ್ಯ ನನಗಿಲ್ಲ. ಅದರ ಮೂಲಕ್ಕೆ ನನ್ನ ಧನ್ಯವಾದಗಳು.
I don't have copyrights on the picture used above.  Thanks to the source.)

Bradman Puzzled!

Cricket is a game of glorious uncertainties. Indian Test team presently playing in England was a bit unlucky to miss winning the first Test, but were humiliated in the second.  But they have bounced back in the third by way of a huge win!  Many now believe that they may go on to win the series too! If they win, it will only be second time in cricket history to win a series after being down by 0-2.  Only Sir Donald Bradman had done it for Australia in Australia against England during 1936-37!

Seniors like me are now clearly in the 'Test mood'.  They have got every reason to tell their juniors that 'Test cricket is the best'! No discussion on Test cricket will be complete, without recalling the memory of the greatest Cricketer of all times, Sir Donald Bradman popularly called 'Don'.  What better time to remember this great man than today, whose birthday falls tomorrow (27th August)?

Living legend Sunil Gavaskar was the first cricketer to cross  

Brandman's invincible record of 29 Test centuries.  When interviewed on that occasion, Gavaskar in all humility had said that  'no cricketer can be greater than Bradman unless he scores 30 centuries in just 52 Tests'! Don's Test career average of '99.94' has been cited as the greatest achievement by any sportsman in any major sport.

During 1932-33 when England toured Australia, they had brought a special battery of fast bowlers (remember Harold Larwood?) led by their infamous Captain Douglas Jardine! (During 1985, DD had telecast a serial named BODYLINE covering the entire series). The pre-planned strategy 'bodyline' was only meant to intimidate and contain Bradman! Although the 'bodyline' attack consumed him for a 'famous duck' at MCG in the first innings, he bounced back with a fine century in the second innings to win that Test. Thus 'bodyline' was no puzzle to Bradman, the great.  

But during 1930, 'something about cricket' puzzled Bradman, for which he took 18 long years to find an answer! During those 18 years, while bowlers all across the world were busy finding an answer to Bradman, the Don himself was scratching his head to find the answer to that 'puzzle'.

It was a 'cricket puzzle', created by Arthur Eddington, a well known Physicist.  

It is as follows:

An Imaginary Scoreboard

Atkins.......6
Bodkine... 8
Dawkins...6
Hawkins...6
Jenkins.....5
Larkins.... 4
Meatkins..7
Perkins....11
Simkins....6
Tomkins...0
Willkins...1

Extras..... 0

Total......60

Bowling:
Pitchwell:  12.1-2-14-8
Speedwell:  6-0-15-1
Tosswell:    7-5-31-1

Hints:
-The batsmen have scored only in singles and 4s.
-All batsmen were 'out' clean bowled. There were no 'no balls' or  
   'short' runs.
-Speedwell and Tosswell bowled 6 and 7 overs respectively at a 
   stretch.
-Pitchwell opened the bowling, with Speedwell coming in at the 
   other end for the next over.
-The overs were of 6 balls each.

Questions:
1.Which bowler dismissed which batsmen?
2.Who was not out?
3.What were the fall of wickets?

Don finally solved it while sailing for his last tour to England in 1948. Thus he took 18 long years to solve it.

During 1958 when Bradman published his famous book 'The Art of Cricket', he had included this puzzle too, to give others a chance to try it out.

Come to 2016, Mumbai.  74-year-old Dattatraya Pulekar, a cricket enthusiast and a mathematics teacher, while searching his cupboard,  found a very old letter!

Reading it, he could recollect an old story.  The letter dated 22nd Feb 1965, was written by Bradman to Pulekar, congratulating him for successfully solving the puzzle. Earlier Pulekar had written to Bradman submitting the solution. Pulekar had done it in 3 days when compared to Don who had taken 18 long years. However there was no further correspondence between the 'two' in the subsequent days.

It has come to light that humble and unassuming Bradman kept writing congratulatory replies to all those who solved the puzzle and wrote to him. Had Bradman been alive today, and if you were to write to him with the correct solution, you too would have received such a congratulatory letter from the greatest sportsman on earth!

Now do you want to give it a try? Here are some clues.....

-You have to apply the theory of elimination.

-Find out who bowled which over by using the number of maiden overs and individual scores of the batsmen.

I too tried,  but could not solve.  One of my former colleagues has given me the solution!

I request my friends to write to me the solution.  If you can't solve also,  please write to me in this blog itself down below or write to me.  I will send you the solution. (My e mail id........... klakshminarayana1956@rediffmail.com)

Wishing you all curious time solving this great puzzle which had puzzled Bradman, the great!

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(I have referred to a few sites and sources while collecting pictures and info for this Blog.  I humbly convey my thanks to all of them).

Krumbiegel's Lalbagh

This blog is for all green-lovers.  Bengaluru Lalbagh's famous biannual flower show starting from today is dedicated to the memory of our armed forces.

Countries iconic botanical garden Lalbagh, Bengaluru was the dream of Hyder Ali, the 18th Century ruler of Mysuru.  His dream was taken forward by his more famous son Tippu Sultan.

The credit of developing Lalbagh into a world-class garden goes to

Gustav Hermann Krumbiegel (1865-1956), a German horticulturist, architect and town planner. His talent was spotted by Nalvadi Krishnaraja Wodeyar, the then King of Mysuru, who appointed him as the chief of his State's Gardens during 1908. Till his last breath, Krumbiegel served the horticulture department of Mysuru. He 

developed Lalbagh, KRS Garden (Pic above), Cubbon Park, Gardens around Mysuru and Bengaluru palaces. In Lalbagh and all over Bengaluru he planted exotic flowering trees to ensure 'serial blossoming'.

Krumbiegel beautified Lalbagh's glass house and gave a formal shape to it. At the ripe age of 90, he designed and developed the Raj Ghat garden in Delhi! 

But we have forgotten this great man!  Krumbiegel Hall inside Lalbagh (Pic above) is in depleted condition today.  The road between Lalbagh and Mavalli is named after him.

Krumbiegel's legacy was later taken over by Karnataka's illustrious 

son Dr. M.H.Marigowda (1916-93), who was a Ph.D. from Harvard! He was appointed Superintendent of Mysuru Gardens during 1951.  While Krumbiegel's loyalty was princely, Marigowda worked towards the dream of 'Lalbagh for every town'. During his tenure, horticulture farms and nurseries rose from mere '2' in 1951 to '394' in 1974, covering nuke and corners of Karnataka.

Marigowda further beautified Lalbagh with many more ornamental and exotic trees.  Further he converted Lalbagh as a laboratory for horticultural experimentation.  This tireless horticulturist 

wrote.....'No man-made rules came in my way.  The law of nature of plants was only the beacon of light and guide'. His birthday on 8th August, is celebrated as the 'Horticulture Day'. 

The nickname of 'garden city' for Bengaluru is also because of its 280 tanks and lakes it had during 1960.  Urbanization has taken its toll and the number is now reduced to a mere 17!  

Sankey Tank (Pic above) is one of the well maintained tanks today which covers about 37 acres.  The tank was constructed by Col. Richard Sankey, of Madras Regiment during 1882.  This tank which is a popular walking spot today has survived many encroachment threats.

Lake on Fire!

Bellandur lake, the biggest and the historic lake of Bengaluru is on fire.  This huge lake has become a victim of urbanization and man's greed.  The lake is polluted by the discharge of industrial and residential wastes and will be ever-frothing causing disturbance to environment around.

Pollutants in the lake are generating methane gas which catches fire often with smoke engulfing more than 3-4 kms area around!

Like our other Metro cities, Bengaluru too is reeling under the pressure of rapid growth and man's brazen loots.  Once called 'garden city', Bengaluru has now become a concrete jungle.  Relentless felling of trees is hardly replaced by new plantings.  Less said the better about garbage, traffic jams, air pollution, shameless display of flexes and banners. We can't blame the Government alone.  We all have become pseudo environmentalists with the stand.....'let there be green trees all over the city, but not one in front of my house'!

The hope lies in drawing lessons from the messages left by 'green greats' like Krumbiegle and Marigowda. We all should start acting before it is too late.
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Acknowledgements: I have drawn pictures and data from many sites and sources.  I sincerely acknowledge my indebtedness to all of them.