Pothu Rasi Palangal-2014

                                      VALGA VALAMUDAN-POTHU RASI PALANGAL-2014

Banker's Acadamy in Coimbatore.

The Academy has within six months of its inception trained 1,129 employees.

Emphasising the need for such programmes, M.V. Nair, former Chairman of Union Bank of India and a key promoter of BQ Academy said,

Big burden.

 Dec. 12: Proposal to charge ATM usage charge. 

Free withdrawals at ATMs may soon become a thing of the past. To make good the expenses incurred on beefing up security, banks are considering

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Dial 1037 and lodge Telecom grievances.

Telecom subscribers across the country can soon register their complaints by dialling a special toll free number ‘1037’

A subscriber, at present, needs to call customer care centre of the service provider to register a complaint.

Customers can go to nodal officers and finally to the appellate authority in case of unsatisfactory reply.

More often than not subscribers fail to get satisfactory resolution of their grievances.

A note circulated by DoT service providers said short code ‘1037’ has been allocated to the Public Grievances Cell in the Department of Telecom headquarters in New Delhi as a telecom consumer grievances helpline.

A ruling of the Supreme Court in 2009 had held that section 7B of the Indian Telegraph Act of 1885 barred a consumer from seeking remedy under the consumer act.

The complaint thus remained limited between the subscriber and the telecom company. The new number will bring subscriber grievances into the notice of DoT.

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Recruimet of PO in Catholic Syrian Bank

Direct Recruitment of Officers

Exciting Career Opportunities in Banking The Catholic Syrian Bank (CSB) is one of the leading regional banks in South India with a track record of stability, growth and profitability. In recent years the bank has grown its network across major towns in India to leverage a growing market and business opportunities pan India. CSB has recently put in place an ambitious growth strategy to further leverage it's expertise and presence in the southern region as well as to build on it's growing base of commercial and SME business pan India. The growth strategy envisages an increased focus on retail banking products and services in Southern India as well as expanding its commercial banking products and services Pan India. To realise these growth plans CSB is seeking to recruit bright young talent for an exciting career in banking across all it's regions and business lines. If you are a Graduate with the ambition and drive to build a career in banking then follow the link below where you will find more details about the educational qualifications, selection process, compensation, training and other terms for these exciting career opportunities with CSB. Details of Vacancies & Qualification criteria  Download Fee Payment Challan  Apply Online

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Train from Palani-Chennai and viseverse.

Southern Railway is introducing a daily service between Chennai Central and Palani starting October 1.

A press release said the inaugural special train No. 06002 will leave Palani at 16:00 hours on October 1 and arrive in Chennai Central at 02.30 hours. The regular service of the train No.16001 Chennai Central – Palani daily express will commence on October 1, and that of train No. 16002 Palani – Chennai Central will commence on October 2.

Train No. 16001 Chennai Central – Palani daily express will leave Chennai Central at 21:00 hours and arrive in Palani at 8:00 hours the next day.

Train 16002 Palani – Chennai Central Express will leave Palani at 18:00 hours and arrive at Chennai Central at 04:50 hours the next day. The composition of the train will be 1 AC 2-tier, 1 AC 3-tier, 7 Sleeper Class, 6 General Second Class and 2 Luggage-cum-break van coaches.

The boarding stations of this train are  Arakonnam, Katpadi, Gudiyattam, Jolarpettai, Salem, Rasipuram, Namakkal, Karur, Dindigul, Akkaraipatti, Oddanchatram and Chatrappatti. Train no. 16002 will stop at Perambur too.
 Now it is very easy for  tourists going to Kodaikanal hill station.They may opt going  via palani after worshipin Lord Muruga a pilgim and holy place for Hindus.
Keywords: Chennai-Palani express, Southern Railway.

Cooking gas cylinder to be sold at petrol pumps.

New Delhi, Oct 2 (IANS) Cooking gas cylinders will soon be sold at market rates at selected petrol pumps across the country.Petroleum Minister Veerappa Moily will formally launch sales and an LPG portability scheme at a function in Bangalore on Saturay, an official statement said Wednesday.Initially, 5 kg cylinders of liquified petroleum gas (LPG) will be sold at the petrol stations of the government-run oil marketing firms.

"The first initiative allows sale of 5 kg LPG cylinders at market price with minimal paperwork through company owned retail outlets," oil ministry said in a statement.

"This will be a boon to migratory population such as students, IT professionals, BPO employees and persons with odd duty timings as it would provide them the flexibility to pick up cylinders and obtain subsequent refills at time of their choice as Petrol Stations are open for longer hours," it said.

The scheme will be launched in Delhi, Kolkata, Chennai, Mumbai and Bangalore on a pilot basis through select retail outlets.

The government also plan to introduce LPG Portability Scheme, under which a consumer can opt for the distributor of his choice within a cluster of LPG distributors in the vicinity and across the oil companies.

"The consumers will be able to see the service ratings of all the distributors in their cluster and choose the one they want based on service levels," the oil ministry statement said.

GET PAN ONLINE-EASILY.

Apply for PAN online.

Indians use the Permanent Account Number (PAN) Card as an identification document for different purposes. There are many holders of the PAN card who are neither working nor file tax returns; but have this solely for the purpose of identification. As the importance of this document has increased over the years, more and more people are applying for it.

As a result of this, the Income Tax department has sought to simplify the process of applying for a PAN card. While the PAN card could earlier be obtained only through middlemen, who were usually Chartered accountants, today the PAN card can be easily applied for online. This is an easy and user friendly process, with clear instructions and guidelines given at every stage. Here are the steps involved in applying for a PAN card when you wish to do it online -

1.           Visit the website of the Income Tax Pan Services Unit. This can be visited athttps://tin.tin.nsdl.com/pan/

2.          This is the home page of the Income Tax PAN Services unit and has different choices such as application for a new PAN, Enquiry and Tracking status, Reprint of PAN card and changes or correction in the PAN details. The applicant must choose the option which is applicable to him.

3.          To apply for a new PAN, Form 49A will need to be used. Form 49A can be filled online by visiting https://tin.tin.nsdl.com/pan2/servlet/NewPanApp. Fill in the details and submit the form online. After the form is submitted online successfully, an acknowledgement is displayed. This shows a unique 15 digit acknowledgement number. This acknowledgement must be saved and printed for further process.

4.          The acknowledgement form must be sent to the Income Tax department. Before sending this, you will need to attach a few documents along with the acknowledgment form. This includes a proof of address and a proof of identity. Your name which is mentioned in these documents should be in the same format as that in the PAN application form. Take care of this at the time of filling in Form 49A.

5.          You must also affix two recent colour photographs on the acknowledgment form in the applicable space. Signatures have to be made where indicated. The photograph you affix should be clear and recent, as this is the same photograph which will be used on your PAN card.

6.          Application for PAN necessitates payment of Rs.96 if the communication address is within India. In this case, you can make the payment by one of the following methods – cheque, Demand Draft, internet banking, credit card or debit card. If the communication address is outside the country, then the amount to be paid is Rs. 962, and this is only in the form of a demand draft. In the case of payment by internet banking, by credit card or by debit card, the payment has to be made at the time of filling in the form, after which a payment acknowledgement will be given. Take a print of this and attach with the acknowledgement form.

7.          The acknowledgement form must thus be accompanied by photographs, proof of address, proof of identification and the payment/payment proof as the case may be. This must be sent to NSDL in Pune within 15 days of the online application date. The envelope must be subscribed with the words ‘APPLICATION FOR PAN – Acknowledgement Number’. The applications are processed at NSDL after receipt of payment – meaning if the payment has been made by means of a demand draft or cheque, you must wait for realization of the payment.

The steps above are simple and self explanatory. There are adequate instructions, guidelines and a list of Do’s and Don’ts in the website which will guide you in every step of the PAN application process. The application status can be tracked online after the acknowledgement has been sent. Online payments made can also be tracked online. NSDL also offers the facility of tracking by writing to them at their address or by sending an SMS to 57575 by typing SMS NSDLPAN Acknowledgement No.

The process of changing or correcting the details of your existing PAN card is similar to the process of applying for a new PAN card. At the home page of the Income Tax PAN Services Unit, you will need to select “Changes or Correction in PAN details”. Fill in the PAN Change Request Form online and follow the steps above. This PAN change request section also has separate guidelines, instructions and Do’s and Don’ts to help you.

Therefore you no longer have to depend on someone else to get a PAN card for yourself or anyone you know. Simply follow the above steps and get it.

Ante Against Mobile Radiation.

For the last three years, Juhi Chawla has been on a mission to educate users on the perils of mobile phone radiation, a ticking health time-bomb. The Bollywood actor has been visiting schools, speaking at seminars, working with citizens groups and calling on ministers and authorities to drive her point home.

“We are not calling it a war.

Ware House of Iron.

 According to UNICEF  79 per cent of the children in the country below three years of age suffer from anemia caused by iron deficiency. About 70 per cent of the children below five years of age are also affected by this problem.Over 30,000 farmers in the country have taken up cultivation of a new variety of pearl millet that is rich in iron. The variety was released for commercial use in Maharashtra last year.

Growers’ move to take up cultivation of the iron-rich pearl millet, marketed under the brand name According to UNICEF  79 per cent of the children in the country below three years of age suffer from anemia caused by iron deficiency. About 70 per cent of the children below five years of age are also affected by this problem.

 Over 30,000 farmers in the country have taken up cultivation of a new variety of pearl millet that is rich in iron. The variety was released for commercial use in Maharashtra last year.

Growers’ move to take up cultivation of the iron-rich pearl millet, marketed under the brand name Dhanashakti, is significant since they seem to have taken up the issue of iron deficiency leading to wide-spread anemia in the country.

In guidelines for control of anemia issued earlier this year, UNICEF said that India is one of the countries where there is high prevalence of anemia.

 Sixty per cent of women aged between 15 and 49 are anemic due to iron deficiency.

According to the Food Policy institute, a study published in the Journal of Nutrition showed that pearl millet, called kambu in Tamil and bajra in Hindi, bred containing more iron could provide young children with their daily iron needs.

According to Washington-based International Food Policy Research Institute, results from a study under the Harvest Plus Programme indicate that children could get their full daily iron needs from just 100 grams of flour derived from this pearl millet variety.

Pearl millet is an important staple food in semi-arid regions in the country, where iron deficiency is widespread.  Lack of iron affects mental development and increases fatigue. Severe anemia, due to iron deficiency, increases the risk of women dying during childbirth.

A study conducted among iron-deficient children showed that traditional food varieties such as up-puma and roti made from the new pearl millet variety helped them absorb more iron than from an ordinary millet variety. The additional zinc content also took care of the children’s daily zinc needs. Zinc shortage among children could lead to stunted growth and make them prone to common infections.

The research team was led by Michael Hambidge, Pediatrics Professor Emeritus at the University of Colorado in Denver. Hambridge said that the results of the study offer a potentially important, strategy to battle malnutrition.

On the Indian side, Bhalchandra Kodkany of Jawaharlal Nehru Medical College was the principal investigator.

The journal also said that a study conducted on marginally iron-deficient Beninese women found that they absorbed twice the amount of iron from this nutrition-tailored pearl millet.  is significant since they seem to have taken up the issue of iron deficiency leading to wide-spread anemia in the country.

In guidelines for control of anemia issued earlier this year, UNICEF said that India is one of the countries where there is high prevalence of anemia.

 Sixty per cent of women aged between 15 and 49 are anaemic due to iron deficiency.

According to the Food Policy institute, a study published in the Journal of Nutrition showed that pearl millet, called kambu in Tamil and bajra in Hindi, bred containing more iron could provide young children with their daily iron needs.

According to Washington-based International Food Policy Research Institute, results from a study under the HarvestPlus Programme indicate that children could get their full daily iron needs from just 100 grams of flour derived from this pearl millet variety.

Pearl millet is an important staple food in semi-arid regions in the country, where iron deficiency is widespread.  Lack of iron affects mental development and increases fatigue. Severe anemia, due to iron deficiency, increases the risk of women dying during childbirth.

A study conducted among iron-deficient children showed that traditional food varieties such as up-puma and roti made from the new pearl millet variety helped them absorb more iron than from an ordinary millet variety. The additional zinc content also took care of the children’s daily zinc needs. Zinc shortage among children could lead to stunted growth and make them prone to common infections.

The research team was led by Michael Hambidge, Pediatrics Professor Emeritus at the University of Colorado in Denver. Hambridge said that the results of the study offer a potentially important, strategy to battle malnutrition.

On the Indian side, Bhalchandra Kodkany of Jawaharlal Nehru Medical College was the principal investigator.

The journal also said that a study conducted on marginally iron-deficient Beninese women found that they absorbed twice the amount of iron from this nutrition-tailored pearl millet.

(This article was published in the Business Line print edition dated August 24, 2013)

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TCS School Quiz.

The hunt for small tech wizard will be held across14 locations in India.It is conducted by TCS in the form of inter school Quiz.   The inter School IT quiz event  is open to students studying in class VI-XII.Interested students may participate.Registration is must to participate.For registration and details log on to www.tcsitwiz.com
The hunt for small tech wizard will be held across14 locations in India-Ahmadabad,Bangalore,Bhubaneshwar,Chennai,Coimbatore,Delhi,Hyderabad,Indore,Kochi,Kolkatta,
Lucknow,Mumbai,Nagpur and  Pune.
The winning team from each city will will contest for"Smart Tech Wizard 2013" title in the mega finals to be held in December.
The winners UAE edition will also compete in finals for the title.
Each student from every winning team in regional round will walk away with an ipad.
The registration for Coimbatore edition of TCS IT WIZ 2013 is scheduled to be held at Sri Krishna College Auditorium in Kuniamuthur on Aug-23
Note; company will  have right to make final decision.

Bhramara Mudra For Allergy Relief-Running Nose.

Yoga Mudras were introduced in my  posts.  They are gestures for the hands and body that aid healing for the body, mind, emotions and spirit.  Using hand positions in this manner can be found in the yoga, Buddhist, Chinese, and other traditions.

Here is one to practice to relieve allergies and related conditions.  It’s called Bhramara Mudra.




How to do:
Place your index finger at the base of your thumb.
Touch the tip of your thumb beside the fingernail of the middle finger
Extend your ring and little fingers
Focus your attention and breathe as deeply, slowly and smoothly as possible
Hold for several minutes and practice often
Even though I had my doubts, this yoga mudra has helped me a lot.  I use it during an allergy attack and as a preventative during allergy season.  For example, I will hold this yoga mudra with one or both of my hands while waiting, walking or sitting.
I have shared this with others and have been told that it stopped a sneezing fit, solved an allergy attack when out walking, and cleared up a runny nose from allergies.  Really!
 Don’t forget to use common sense too.   Help yourself by doing what you can to boost your immune system and avoid what triggers your allergies (pollen, animal dander, dust, food triggers, etc.)
Please try it for yourself and then post your results!
Visit often since there are lots more yoga mudras to share with you for things like feeling more stable, calm, energized and uplifted.

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Mudras to Relive Joint Pains.

Using yogic practices for pain relief is now recommended even by conventional medicine. The six mudras cure joint pain shown in picture.While incorporating yogic poses from the joint-relieving series for pain management and healing you may accelerate by adding on the practice of yogic hand gestures or mudras.

How to cure joint pain with Yog Mudras and Yoga.
It has been found that with changes in diet and food, proper rest, regular Yog Mudras, lifestyle changes, loss excessive weight and we cure joint pain. yoga for arthritis improves the blood circulation in joints and helps in removing unwanted toxins and other waste products.This is totally wrong that arthritis patient should not do exercise or it would damage his joints. Now, even the western research has shown that exercise especially Yoga and various Yog Mudras can control Arthritis. Fact is if arthritis patient tries to move joints then pain increases so he does not move the joints and hence problem increases. As there is no movement, the situation becomes worse. So through the yoga for arthritis done slowly, controlled physical movement of joints are helpful for Arthritis patients.
Arthritis - 'arth' meaning joint, 'itis' meaning inflammation. The most depressing aspect of the disease is that it does not get easily cured through medicine when it is in chronic stages.In this feature, we look at some practices that may be done anywhere, through the day, for healing. Though mudras are most effective when you hold them meditatively, you can hold these during other activities such as watching TV, a film or while commuting. Increase the duration to up to 45 minutes daily, by spreading it over the day but doing it all at one go while meditation will give best quick results. It is advisable to stop practicing these mudras once your problem has been brought under control.

As the name says ,this is for joint pains.Join the ring finger tip and the tip of the thumb of the right hand.and the left hand join the middle finger and thumb tips.Duaraition 15 minutes 3 times a day.It energises all the joints of the body.

Diet and Water : 

The most important factor for the joint problem. Healthy diet and water will help to remove waste mater and toxins from the body. Vegetarian diet specially uncooked food, raw juice, sprouted grains and wheat grass juice is very benefical. The patient should take about 100 ml of wheat grass juice daily in the morning and slowly this quantity should be raised upto 300 ml.

• Patient should totally avoid preserved cooked food. Always try to have fresh food.
• Try to avoid rich Vath food like soybeans, Kadi, Arbi, Uradh dal, Rajama, lady finger, baigan, especially curd at night.
• Boiled vegetables, green vegetables, rice cooked with cloves are good to eat.
• Add ginger, methi dana in the diet.
• Drinking plenty of Luke warm water helps remove toxins from the body.
• Fasting once a week is also very helpful.

Mudras to cure Eye problems.

In modern world, excessive exposure of eyes to computers, television, pollution will cause heavy stress and strain for them.
Weak eye sight, frequent headaches, burning sensation in eyes, eyelid hairloss etc problems can be cured by simple mudras.
Dry eyes, excess tears, pus in eyes can also be cured.
Vayu Mudra For Eyelid problems :

For eradicating feeling of heaviness on eyelids, to provent eyelid hair loss etc, use this mudra
Description: Place thumb down on index finger and keep all remaining three fingers comfortably straight.
Do this 3 times a day before meals for 15 minutes to release the hair(vayu) from eye lids and free them.
Description: Place thumb down on index finger and keep all remaining three fingers comfortably straight.
It also gives Relief from Rheumatism, Sciatica,
Stiff Neck, Knee Pain,
Gout, Joint Pain in hands and feet, Paralysis, Hysteria.
 Varuna Mudra for burning and dry eyes :

If eyes are over exposed to pollution, dust, sunlight, television, computer etc, they lose water and become dry.
Sometimes burning sensation and reddishness is also seen.
Description: Join your little finger to the tip of your thumb. Keep other fingers comfortably straight.
Sit in dhyana posture(padmasana or sukhasana) and practice this mudra with outstretched palms placed on knees for 10-15 minutes, 3 times a day.
It removed bad air from eyes and gives relief.



It also cures Dry skin
Blood problems
Restores moisture to the body
Relaxes muscles ~ cramp
Diarrhea and dehydration
To enhance beauty
Gyan Mudra for Weak Eye sight and retina problems :

Due to over exposure to lights, pollution, television screens and computer monitors in dark rooms, retina becomes weak and people lose eye sight at young age.
Description: The thumb and index finger are brought together gently while all the other fingers remain upright.
Practice this in same sitting posture as for above mudras and for 15 minutes, thrice a day till eye sight improves.
It also gives Mental Peace,Concentration,Sharp Memory,Spirituality,Insomnia,Mental Disorders,Stress,
Depression,Drowsiness,Develops telepathic ablilities,
Developes clairvoyant and extra-sensory ablilities
Jalodar Nasha (or) Jala Samhar Mudra:

For stopping excess tears flow from eyes : Phlegm, which is
usually in head, sometimes becomes excess and tries to come out through eyes in form of tears or pus in eyes and block our vision.
Description: Place thumb down on little finger and keep all remaining three fingers comfortably straight.
Practice this mudra 2-3 times per day, atleast 15 times per session, depending on the severity of the problem.
Eyelids will not stick to each other after its usage.



It alsoenhances beauty,
Removes impurities from the blood,
Restores moisture to skin,
Painful cramps.
 Prithvi(Surya) Mudra:

Yoga for curing Cataract problems in Eyes : Cataract problem will completely rob you from eye sight and practicing surya mudra will cure this problem slowly without need of any medicines.
Description: Place the tip of the ring finger on top of the tip of the thumb. Or alternatively, one can bend down the ring finger to touch palm(venus mount) and press it with thumb.
Extend all the other fingers and keep them comfortably straight as possible.(BOTH HANDS)
Sit straight with knees folded and palms stretched out on knees and practice this mudra facing east for atleast 10 minutes, thrice a day till cataract problem is totally cured.

It also relieves
Liver
Inner stablity
Self Assurance
Stomach
Strengthens body and mind
Glowing skin
Increases energy

Ganesha Mudra to Remove Blocks.

Benefits and Steps of Ganesha Mudra:
Ganesha, the elephant god, is one of the most popular deities of Hindu mythology. He is supposed to help remove all obstacles from your path. The Ganesh Mudra is named after him because performing this Mudra is said to help lift your spirits and give you the will to persevere when you are feeling down.
Steps:
Sit down comfortably on a chair or on a yoga mat in the Lotus Pose (Padma Asana).
Bring both hands in front of your chest with your elbows bent.
Position the left hand with the palm facing outwards in such a way that your thumb points towards your solar plexus and your little finger points towards your collar bone.
Form a claw by bending the four fingers of your left hand and clasp them with the four fingers of your right hand. In this position, your right palm should be facing towards your chest.
Inhale deeply. On the exhale, try to pull both arms apart while keeping all eight fingers locked. Feel the stretch along your shoulders and chest.
Inhale once more and relax your arms while maintaining the Ganesh Mudra lock.
Repeat this process six times.
Interchange your hands, with your right palm facing outwards and the left palm facing inwards and repeat this process.
Release all tension from the arms and bring them close to your chest so that your hands are touching your sternum. Sit in this position for as long as you like and focus on your breath.
Benefits:
The benefits of the Ganesha Mudra extend to the cardiac muscles, the muscles of the chest, shoulders, and arms.
It also helps to release any pent up tension from the shoulders and chest.

Mudra to cure Epilepsy.(Deer Face)

MRIGI MUDRA (DEER FACE):
Touch the tip of the thumb with the middle portion of ring & middle finger, leave the index and little finger straight. The looks are like a face of a deer, that’s why its known as “mrigi’.
Benefits:
a). It cures seizures, epilepsy, and nervous weakness.
b). Removes tension & head ache due to cold or sinus.
c). Stabilizes the mind and brings happiness to your feelings.
d). To some extent helps to remove dental pain.
Duration:
It can be practiced maximum up to 30 minutes those are diseased with epilepsy.

Apaana Mudra-Control of Diabetes

There is a mudra called Apaana Mudra. This is formed by touching top portions of middle finger, ring finger and thumb. There need not be any pressure while the portions are kept in touch. The other two fingers need to be kept as shown. The mudra to be done with both hands and kept for at least for 20 to 30 minutes. And more if possible. No restrictions on when to do it etc.  it can be done while walking, or while taking rest at home or sit with this mudra while meditating etc. This mudra is said to control Diabetes. And also it is said to expel impurities of body by causing sweating. There are many other benefits claimed. Advised to practice for several months to reap benefits. We can ask our patients to do this act in addition to the medication given.
Key word: Diabetes, Hand, Mudra

Apan Vayu Mudra-Heart attack,Head ache gas trouble,BP etc. .

     

Apan Vayu Mudra is a combination of two mudras, Apan mudra and Vayu mudra. As they are practiced together, their combined effect cures the disease at once. Apan Vayu Mudra is beneficial to the heart. This mudra is also identified as Hridaymudra or Mrit Sanjeevani mudra.
      Apan Vayu Mudra is depicted to be the lifesaver and is the first aid for heart attacks. This Mudra serves to be of immediate effect in an emergency.
       This mudra is practiced by touching the base of the thumb by the index finger and tip of thumb touches the tip of the middle finger and the ring finger. The little finger remains straight, at ease. This can be done with each hand.
      . In a severe heart attack, if administered as a first aid measure within the first two seconds, this mudra proves to be instant reliever.
     Apan Vayu Mudra can be practiced as many times in a day as needed. Practising this mudra for 15 minutes in the morning and evening can be beneficial for the heart patients, people suffering from High BP or people who have experienced a heart attack.
Benefits Of Apan Vayu Mudra : 
Though Apan Vayu Mudra is basically practiced to alleviate heart troubles, still it suffices extra benefits.
1. Gas in the stomach or in body is removed by the practice of this mudra.
2. It functions as a medicine for Blood pressure.
3.Helpful to cure acidity.
4.This mudra is beneficial in case of headache and gastric troubles and also regulates bowel movements.
5. Removes more perspiration of legs & hands.
6.Disposes useless toxic things from human body.
7. Practice of Apan Vayu Mudra is effective on toothache.
8. Relieves headache.
9. Balance body temperature.
Key word:Apan Vayu Mudra-Heart attack and Head ache,gas trouble,blood pressure .

Mudra for sound sleep.

Shakti Mudra is performed to cure insomnia and get rid of the problems with sleeping. In this Mudra, the ring fingers and the little fingers of both hands are placed together. While practicing this Mudra, proper focus and concentration should be given to the breathing process in the pelvic area and the exhalation should be lagged. Shakti mudra is done three times a day for 12-15 minutes. If the problem is acute, then the practitioner can go on exercising it as needed or until the desired outcome is achieved. The Shakti Mudra escalates the respiratory impulse in the lower chest area. The breathing is increasingly perceived in the pelvic area. This Mudra provides a soothing and calming effect so that it assists to sound sleep. But the practitioner should be cautious while performing Shakti Mudra as it has a side effect. If the Mudra is practiced for a long time or done too often, it may result in lethargic tendencies. Shakti Mudra can pleasantly relax the pelvic area of an individual.
Benefits of Shakti Mudra: 
 * Shakti Mudra besides improving sleep and bringing effective result in insomnia and other sleeping disorders, it also helps to boost the internal physical energy and intensity.
 * Shakti Mudra brings a pleasant relaxation to the pelvic area.
 * Shakti mudra also counterbalances spasms in the intestines in male body or menstrual complaints in female body.
Key word:Mudra for sound sleep.

Mudra for allergy.

Bhramara Mudra – for preventing and relieving allergies

Bhramara means male bee. Bhramara is a Sanskrit word and Bhramara Mudra has its root in traditional Indian dance form. Place your index finger at the root of the thumb, and the tip of your thumb on the side of your middle fingernail. Extend the other two fingers. Do it with both hands.

Bhramara mudra is beneficial and a boon to people suffering from respiratory allergies. People suffering from mucous congestion in the lungs and frontal sinus must do this mudra for a minimum of 10 minutes 4-5 times in a day. It can be practiced while walking or sitting.

Consuming products like local honey is beneficial in allergies. Allergies are caused by bad intestinal flora. It is necessary that you relieve yourself from constipation. Take fluids rich in Vitamin C. Take enough rest, meditate and start a fitness program.
Key word:Mudra for allergies,Bhramara mudra.

Cure snoring Problem simply.

Snoring means less oxygen to the throat and head area. 
This can be increased by doing Adi Mudra and followed by space mudra.
Explanations:That is how to do.
The thumb should touch the bottom of the little finger and closed by other fingers. Do it on both hands for 15 to 30 minutes a day. You can do it while walking or lying down or while watching TV.

 Increasing the space element is important too. The space in the tongue area is less. Thumb touching the middle finger can help.  Do this space Mudra after Adi Mudra. Instructions are the same.

 While doing the Mudras, on Inhalation, chant PAHANG and on exhalation, chant HIPPIENG, within the mind. These two words increase the space in the neck area.
One has to check for Cervical Spondylosis. There may be a problem in the cervical area of the spine, for which doing Yogasanas can help. Please check with your local yoga expert.
Key word:Cure snoring Problem.

Cure Insomnia and sleeping problems-Shakti Mudra.

Cure insomnia and sleeping problems without intake of any medicines,simply and properly by doing mudras. In Sakti Mudra , the ring fingers and the little fingers of both hands are placed together. While practicing this Mudra, proper focus and concentration should be given to the breathing process in the pelvic area and the exhalation should be lagged. Shakti mudra is done three times a day for 12-15 minutes. If the problem is acute, then the practitioner can go on exercising it as needed or until the desired outcome is achieved. The Shakti Mudra escalates the respiratory impulse in the lower chest area. The breathing is increasingly perceived in the pelvic area. This Mudra provides a soothing and calming effect so that it assists to sound sleep. But the practitioner should be cautious while performing Shakti Mudra as it has a side effect. If the Mudra is practiced for a long time or done too often, it may result in lethargic tendencies. Shakti Mudra can pleasantly relax the pelvic area of an individual.
Benefits of Shakti Mudra:
* Shakti Mudra besides improving sleep and bringing effective result in insomnia and other sleeping disorders, it also helps to boost the internal physical energy and intensity.
* Shakti Mudra brings a pleasant relaxation to the pelvic area.
* Shakti mudra also counterbalances spasms in the intestines in male body or menstrual complaints in female body.

Key word:Cure Insomnia and get rid of sleeping problems.

Tender coconut water - Health benefits:

The water of fresh tender coconut (king coconut or 'Thembili' and 'Weware') which is the
liquid endosperm is the most nutritious wholesome beverage that the nature has provided for
the people of the tropics to fight the sultry heat. It has a caloric value of 17.4 per 100 gm.
According to Ayurveda "It is unctuous, sweet, increasing semen, promoting digestion and
clearing the urinary path."




Medicinal properties of Tender Coconut Water (T.C.W.)
Some of the medicinal properties of T.C.W. reported are:
1. Good for feeding infants suffering from intestinal disturbances.
2. Oral rehydration medium.
3. Contains organic compounds containing growth promoting properties.
4. Keeps the body cool.
5. Application on the body prevents prickly heat and summer boils and subsides the rashes
caused by small pox, chicken pox and measles etc.
6. Presence of saline and albumin makes it a good drink in cholera cases.
7. Excellent tonic for the old and the sick.
8. Diuretic (a substance which tends to increase flow of urine).
9. Can be injected intravenously in emergency cases such as cholera and dysentery when
other pyrogen-free fluids are not available.
10. Can be used as a blood plasma substitute because it is sterile, pyrogen - free and does
not produce heat, and does not destroy blood cells.
11. Aids the quick absorption of drugs and make their peak concentration in the blood easier
by its electrolyte effect.
12. Urinary antiseptic and eliminates poisons in case of mineral poisoning.
'Fluid of Life'
Tender coconut water is the natural isotonic beverage with almost the same level of
electrolyte balance as we have in our blood. It is the 'fluid of life' says Chief of FAO's
Agricultural and Post Harvest Management Service, Morton Satin.
A word of warning
When T. C. W. is injected intravenously, in view of its high potassium level (290 mg%).
Minerals:
Tender coconut water contains most of the minerals such as potassium (290 mg%), Sodium
(42 mg%), Calcium (44 mg%), magnesium (10 mg%), Phosphorus (9.2 mg%), iron (106 mg%),
and copper (26 mg%) (Source: Satyavate Krishnankutty, 1987).
coconut water is now packed with electrolytes and as coconut water is naturally fat free and low in calories so helps in losing weight.
Key words:Tender coconut water.

Aromatic vegetarian sizzler.

Ingredients:
1 large carrot, peeled,cut and boiled
1 potato, peeled,cut and boiled
1 onion, chopped
3 -5 cauliflower florets, washed,cut and boiled
3 -5 French beans, cut and boiled
2 tomatoes, blanched and chopped
2 slices pineapple, cut
2 pieces apples, cut
2 tablespoons oil
1 tablespoon black salt
2 -3 tablespoons tomato ketchup
1/2 teaspoon red chili powder
1 bunch fresh coriander leaves, chopped
1 green capsicum, chopped
1 red capsicum, chopped
3 -5 drops vinegar or 3 -5 drops butter
Preparation Method:
Step 1
First wash all the vegetables nicely in chilled water then cut the carrot, potato, Frenchbeans and the cauliflower all lengthwise and boil them till half done.
Step 2
Now, In a wok, heat the oil, add the onions to it and saute for a few minutes then add all the boiled vegetables and saute.
Step 3
Add capsicums, tomatoes, pineapple and apple, saute for 1 minute.Add salt, red chilli powder, black salt, corriander leaves and Tomato Ketchup and toss well.
Step 4
Lay one fine leaf of cabbage on a hot iron tawa (griddle) and put the cooked vegetables on it.
Step 5
Just before serving, put few drops of vinegar or butter to bring that steam effect.Your aromatic sizzler is sizzling and waiting for you to have a great treat!

Recruitment in Padian Grama Bank.

PANDYAN GRAMA BANK Phone: 04562-253128
Administrative Office Fax: 04562-252858
2-70-1, Collectorate Complex E-mail: pgbpad@gmail.com
VIRUDHUNAGAR–626002 web: http://pandyangramabank.in/
SERVICE WITH SMILE
--------------------------------------------------------------------------------------------
RECRUITMENT
APPLICATIONS INVITED FOR INTERVIEW FOR THE FOLLOWING CADRES
Pandyan Grama Bank invites applications from Indian citizens, for the post of
Officer in Middle Management Grade (Scale III), Officer in Middle Management
Grade (Scale II), Officer in Junior Management (Scale I) Cadre and Office Assistant
(Multipurpose) who have appeared at the Common Written Examination for RRBs
conducted by IBPS in September 2012 and declared qualified.
Opening date for Online
Registration 26-03-2013
Last Date for Online Registration 12-04-2013
Payment of Application Fees 26-03-2013 to 12-04-2013
DETAILS OF VACANCIES:
Sr.
No.
Post
SC
ST
OBC
General
TOTAL
Out of Which
PWD
(Out of Which)
EXS
VI HI OC
1 Officer Scale-III 01 00 01 05 07 - - - -
2 Officer Scale-II (General
Banking Officer)
01 00 02 05
02 - - - -
3 Officer Scale-II
(Information Technology) 02 - - - -
4 Officer Scale-II (Law
Officer) 01 - - - -
5 Officer Scale-II (Marketing
Officer) 01 - - - -
6 Officer Scale-II
(Agricultural Officer) 02 - - - -
7 Officer Scale-I 10 13 08 19 50 - 01 01 -
8 Office Assistant
(Multipurpose) 23 02 33 68 126 01 01 02 18
NOTE : The number of vacancies as also the number of reserved vacancies is
provisional and may vary according to the actual requirement of the Bank.
Abbreviations stand for :
SC Scheduled Caste GEN General
Category HI Hearing Impaired
ST Scheduled Tribe PWD Persons with
Disability OC Orthopedically
Challenged
OBC Other Backward
C Classes VI Visually Impaired EXS Ex-Serviceman
Page2
SCALE OF PAY:
Officer Scale I : `14500-600/7-18700-700/2-20100-800/7-25700
Officer Scale II : `19400-700/1-20100-800/10-28100
Officer Scale III : `25700-800/5-29700-900/2-31500
Office Assistant (MP) : `7200-400/3-8400-500/3-9900-600/4-12300-700/7-17200-
1300/1-18500-800/1-19300
EMOLUMENTS:
Officer Scale I : `27,078.75
Officer Scale II : `36,229.50
Officer Scale III : `47,994.75
Office Assistant (MP) : `13,482.00
PROBATION PERIOD: Selected candidates will be on probation for two years for
Officer Scale-I to III and one year for Office Assistant (Multipurpose).
Note: It is clarified that Persons with Disabilities will have to work in
Branches/Offices which have posts identified by the Bank as suitable for
them.
Candidates belonging to Reserved Category, including Persons with
Disabilities, for which no reservation has been announced, are free to
apply for vacancies announced for Unreserved category provided they
fulfill the eligibility criteria laid down for Unreserved category.
The number of vacancies in UR category and also the number of reserved
vacancies are provisional and may vary according to actual requirements
of the Bank.
I. ELIGIBILITY CRITERIA: NATIONALITY/ CITIZENSHIP:
A candidate must be either i) a Citizen of India or ii) a subject of Nepal or iii)
subject of Bhutan or iv) a Tibetan refugee who came over to India before 1st
January, 1962 with the intention of permanently settling in India or v) a person
of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East
African countries of Kenya, Uganda, the United Republic of Tanzania
(formerly Tanganyika and Zanzibar), Zambia, Malawi, Zaire, Ethiopia and
Vietnam with the intention of permanently settling in India. Provided that a
candidate belonging to categories (ii), (iii), (iv) & (v) above shall be a person
in whose favour a certificate of eligibility has been issued by the Government
of India. A candidate in whose case a certificate of eligibility is necessary
may be admitted to the Group Discussion/ Interview conducted by the Bank
but on final selection the offer of appointment may be given only after the
Government of India has issued the necessary eligibility certificate to him/her.
Page3
II Age (As on 01-06-2012)
For Officer Scale- III Below 40 years
For Officer Scale- II Above 21 years - Below 32 years
For Officer Scale- I Above 18 years - Below 28 years
For Office Assistant (M.P.) Between 18 years and 28 years
The maximum age limit specified is applicable to General Category candidates.
Sr.
No. Category Age relaxation
1 Scheduled Caste/Scheduled Tribe 5 years
2 Other Backward Classes 3 years
3 Persons With Disability 10 years
4 a. Ex-Servicemen/ Disabled Ex-
Servicemen
(for the post of Office Assistants)
actual period of service
rendered in the defence forces
+ 3 years (8 years for Disabled Ex-
Servicemen belonging to SC/ST)
subject to a maximum age limit
of 50 years
4 b. In the case of Ex- servicemen
commissioned officers, including
ECOs/ SSCOs, who have rendered at
least 5 years military service and
have been released on completion
of assignment (including those whose
assignment is due to be completed
within the next one year from the last
date for receipt of application) other
than by way of dismissal or discharge
on account of misconduct or
inefficiency or on account of
physical disability attributable to
military service or on invalidment,
subject to ceiling as per Government
guidelines
(for the post of Officers)
5 years
5 Widows, Divorced women and
women legally separated from their
husbands who have not remarried
(only for the post of Office
Assistants)
9 years
6 Persons ordinarily domiciled in the
Kashmir Division of the State of
Jammu & Kashmir during the period
1-1-80 to 31-12-89
5 years
7 Persons affected by 1984 riots 5 years
NOTE:
(i) The relaxation in upper age limit is cumulative as per Govt. of India
guidelines.
(ii) In case of a candidate who is eligible for relaxation under more than
one of the above categories the age relaxation will be available on a
Page4
cumulative basis with any one of the remaining categories for which
age relaxation is permitted as mentioned above.
(iii) Candidates seeking age relaxation will be required to submit copies of
necessary certificate(s) at the time of Interview.
(iv) Ex-Servicemen candidates who have already secured employment
under the Central Government in Group ‘C’ & ‘D’ will be permitted the
benefit of age relaxation as prescribed for Ex-Servicemen for securing
another employment in a higher grade or cadre in Group ‘C’/ ‘D’ under
the Central Government. However, such candidates will not be eligible
for the benefit of reservation for Ex-Servicemen in Central Government
jobs.
(v) An Ex-Servicemen who has once joined a Government job on civil side
after availing of the benefits given to him as an Ex-Servicemen for his
reemployment, his Ex-Servicemen status for the purpose of the
reemployment in Government ceases.
C. ELIGIBILITY CRITERIA
I. EDUCATIONAL QUALIFICATIONS & EXPERIENCE (as on 01-06-2012)
Post Educational Qualification Experience
Office Assistant
(Multipurpose)
Degree in any discipline from a recognized
University or its equivalent
Essential: Proficiency in local language
* please see the note below
----
Officer Scale-I i. Degree in any discipline from a recognized
University or its equivalent
ii. Proficiency in local language
* please see the note below
----
Officer Scale-II
General
Banking
Officer
Degree in any discipline from a recognized
University or its equivalent with a minimum of 50%
marks in aggregate.
Two years as an
officer in a Bank
or Financial
Institution.
Marketing Officer
Post Graduate Degree in Marketing from a
recognized university
One Year
Agricultural Officer
Degree in Agriculture/ Horticulture/ Dairy
Science/ Animal Husbandry/ Forestry/ Veterinary
Science/ Agricultural Engineering/ Pisciculture or
allied specializations or its equivalent with a
minimum of 50% marks in aggregate
Two Years
Law Officer
Degree from a recognised University in Law or its
equivalent with a minimum of 50% marks in
aggregate.
Two years as an
advocate or
should have
worked
as Law Officer in
Banks or
Financial
Institutions for
a period not less
than two years.
Page5
Information Technology
Degree from a recognised University in Electronics
/Communication / Computer Science /
Information Technology or its equivalent with a
minimum of 50% marks in aggregate.
Desirable
Experience :
Certificate in
ASP, PHP, C++,
Java, VB, VC,
OCP
etc.
Experience : One
year
Officer Scale-III Degree in any discipline from a recognized
University or its equivalent with a minimum of 50%
marks in aggregate.
Minimum 5 years
experience as an
Officer in a Bank
or Financial
Institutions
Note:
I. 1. All educational qualifications should be from a recognised
University/ Board
2. The result of the qualifying examination, i.e. Graduation or
equivalent to graduation, as the case may be, should have been
announced by the University on or before 01.06.2012.
3. Candidates should have obtained the specified Total Weighted Standard
Score as well as score in each test in the RRBs- Common Written
Examination conducted in September 2012.
4. Candidates applying for Officer Scale-II (Law Officer) and Officer Scale-II
(Information Technology) should have obtained the specified Total
Weighted Standard Score as well as score in each test in the Common
Written Examination conducted for Public Sector Banks for Specialist
Officers conducted by IBPS in March 2012. Candidates should be able to
produce the Score card in support of the scores mentioned in the online
application form, if called for Interview.
II. For Officer Scale-I and Office Assistant (Multipurpose) Language
Proficiency * - Candidates are required to possess proficiency in the
Official Language of the State/UT in which RRB is located and must
have passed “ local language” as one of the subjects at
Matriculation/Xth Standard
Pre- Requisite Qualifications
Candidates who have been declared qualified in the RRBs-Common Written
Examination conducted by IBPS in September 2012 should have obtained the
following scores as given below.
For Office Assistant
Name of the Test Qualifying Standard Score
SC/ ST/ SC-PWD/
ST-PWD/ SCEXS/
ST-EXS
OBC/ GEN/ OBCPWD/
GEN-PWD/
OBC-EXS/ GEN-EXS
Reasoning 17 & above 19 & above
Numerical Ability 17 & above 19 & above
General Awareness 17 & above 19 & above
English Language or Hindi
Language
17 & above 19 & above
Page6
Computer Knowledge 17 & above 19 & above
Cutoffs on Total Weighted
Standard Score 89 & above 95 & above
For Officer Scale-I, Officer Scale-II (GBO) and Officer Scale-III
Name of the Test Qualifying Standard Score
SC/ ST/ SCPWD/
ST-PWD
OBC/ GEN/ OBCPWD/
GEN-PWD
Reasoning 17 & above 19 & above
Quantitative Aptitude / Quantitative
Aptitude & Data Interpretation
17 & above 19 & above
General Awareness / Financial
Awareness
17 & above 19 & above
English Language or Hindi Language 17 & above 19 & above
Computer Knowledge 17 & above 19 & above
Cutoffs on Total Weighted Standard Score
for Officer Scale-I
97 & above 103 & above
Cutoffs on Total Weighted Standard Score
for Officer Scale-II (GBO)
108 & above 114 & above
Cutoffs on Total Weighted Standard Score
for Officer Scale-III
109 & above 114 & above
For Officer Scale-II -Marketing Manager and Agricultural Officer
Name of the Test Qualifying Standard Score
SC/ ST/ SC-PWD/
ST-PWD
OBC/ GEN/ OBCPWD/
GEN-PWD
Reasoning 17 & above 19 & above
Quantitative Aptitude & Data
Interpretation
17 & above 19 & above
Financial Awareness 17 & above 19 & above
English Language or Hindi
Language
17 & above 19 & above
Computer Knowledge 17 & above 19 & above
Professional Knowledge 17 & above 19 & above
Cutoffs on Total Weighted
Standard Score for Officer Scale-
II (Marketing Manger)
109 & above 115 & above
Cutoffs on Total Weighted
Standard Score for Officer Scale-
II (Agricultural Officer)
111 & above 117 & above
Page7
For Officer Scale-II (IT and Law)
Candidates who have been declared qualified in the Common Written
Examination for Specialist Officers conducted by IBPS in March 2012 should have
obtained the following scores as given below.
Name of the Test Qualifying Standard Score
SC/ST/OBC/PWD General
Reasoning 21 & above 24 & above
English Language 21 & above 24 & above
Quantitative Aptitude / General
Awareness 21 & above 24 & above
Test of Professional Knowledge 21 & above 24 & above
Cutoffs on Total Weighted
Standard Score-IT Officer 125 & above 134 & above
Cutoffs on Total Weighted
Standard Score-Law Officer 113 & above 121 & above
APPLICATION FEE (INCLUDING POSTAGE/ INTIMATION CHARGES) (NON-REFUNDABLE):
Officer (Scale I, II & III)
- ``20/- for SC/ST/PWD candidates.
- `100/- for all others
Office Assistant (Multipurpose)
- `20/- for SC/ST/PWD/EXSM candidates.
- `100/- for all others
Requisite Application Fee may be paid through CBS at any of the Branches of
Pandyan Grama Bank, by means of a Payment challan available in the
Bank’s website.
NOTE:
(i) The payment towards application fee can be made through CBS from
any of the Branches of the Pandyan Grama Bank or by NEFT from other
Banks in the current account “Pandyan Grama Bank Recruitment
Project - 2012, Account Number 518702000009377 maintained at
Pandyan Grama Bank, Virudhunagar Branch (IFSC Code –
IOBA0PGB001).
(ii) The payment towards application fee through CBS can be made
between 26-03-2013 and 12-04-2013.
(iii) The CBS fee payment challan contains two parts. The first part will be
retained by the Branch. The candidate’s copy of the fee payment
challan must be retained with the candidate after the necessary
details such as Transaction ID, Branch Code etc. are filled in by the
bank official.
(iv) Application once made will not be allowed to be withdrawn and fee
once paid will NOT be refunded under any circumstances nor can it be
held in reserve for any other future selection process.
Page8
6. THE COMPETENT AUTHORITY FOR ISSUE OF CERTIFICATE TO SC/ST/OBC/PWD
CANDIDATES IS AS UNDER:
(a) For SC/ST/OBC:
District Magistrate/Additional Dist Magistrate/Collector/Deputy
Commissioner/ Additional Dy. Commissioner/Dy.Collector/First Class
Stipendary Magistrate/Sub-Division Magistrate/ Taluka
Magistrate/Executive Magistrate/Extra Assistant Commissioner/ Chief
Presidency Magistrate/Additional Chief Presidency Magistrate/Presidency
Magistrate/ Revenue Officer not below the rank of Tahsildar/Sub-Divisional
Officer of the area where the candidate and/or his/her family normally
resides.
(b) For Persons with Disabilities:
Authorised Certifying Authority will be Medical Board at the District level.
The Medical Board consists of Chief Medical Officer, Sub-Divisional
Medical Officer in the District and a member who is a specialist in
Orthopaedics, ENT or Ophthalmology, as the case may be,
7. SELECTION PROCEDURE:
 For Officer Scale-I:- Selection will be made on the basis of
performance in RRBs- Common Written Examination (CWE)
conducted by IBPS in September 2012 and Personal Interview. Merit
list of the candidates for final selection based on Total Weighted
Standard Scores (TWSS) obtained by them in CWE of IBPS and
Personal Interview will be prepared in descending order under each
SC/ST/OBC/UR category.
 For Officer Scale-II (General Banking Officer):- Selection will be
made on the basis of performance in RRBs- Common Written
Examination (CWE) conducted by IBPS in September 2012 and
Personal Interview. Merit list of the candidates for final selection
based on Total Weighted Standard Scores (TWSS) obtained by them
in CWE of IBPS and Personal Interview will be prepared in
descending order under each SC/ST/OBC/UR category.
 For Officer Scale-II (Specialist Officer *):- Selection will be made on
the basis of performance in RRBs- Common Written Examination
(CWE) conducted by IBPS in September 2012 and Personal
Interview. Merit list of the candidates for final selection based on
Total Weighted Standard Scores (TWSS) obtained by them in CWE of
IBPS and Personal Interview will be prepared in descending order
under each SC/ST/OBC/UR category.
* Marketing Officer and Agricultural Officer
For Officer Scale-II (Specialist Officer **):- Selection will be made on
the basis of performance in IBPS Score on Total Weighted Standard
Score as well as score in each test in the Common Written Examination
conducted for Public Sector Banks for Specialist Officers conducted by
IBPS in March 2012 and Personal Interview. Merit list of the
candidates for final selection based on Total Weighted Standard
Scores (TWSS) obtained by them in CWE of IBPS and Personal
Page9
Interview will be prepared in descending order under each
SC/ST/OBC/UR category.
** Law Officer and IT officer
 For Officer Scale-III:- Selection will be made on the basis of
performance in RRBs- Common Written Examination (CWE)
conducted by IBPS in September 2012 and Personal Interview. Merit
list of the candidates for final selection based on Total Weighted
Standard Scores (TWSS) obtained by them in CWE of IBPS and
Personal Interview will be prepared in descending order under each
SC/ST/OBC/UR category.
 For Office Assistant (Multipurpose):- Selection will be made on the
basis of performance in RRBs- Common Written Examination (CWE)
conducted by IBPS in September 2012 and Personal Interview. Merit
list of the candidates for final selection based on Total Weighted
Standard Scores (TWSS) obtained by them in CWE of IBPS and
Personal Interview will be prepared in descending order under each
SC/ST/OBC/UR category.
8. PERSONAL INTERVIEW: Depending on the number of vacancies, Bank will
call from among who have applied to bank, the number, equivalent to
three times the number of vacancies short-listed based on their Total
Weighted Standard Scores (TWSS). Remaining applicants, if any will not
receive an interview call from the Bank.
The total marks for Interview will be 30.
9. INTERVIEW CENTRES:
The Interview will be held at the following centre-
Interview Center:-Pandyan Grama Bank, Administrative Office, 2-70-1
Collectorate Complex, Virudhunagar – 626002.
Address of the venue will also be advised in the call letters. The address of
the venues will also be displayed in the Bank’s website one week before the
dates for commencement of Interviews.
Note: Bank reserves the right to cancel the centre and/or add some other
centres, depending upon the response, administrative feasibility,
etc. Bank also reserves the right to allot the candidate to any of the
centres other than the one he/she has opted for.
10. GENERAL INSTRUCTIONS
(a) Before applying for any of the mentioned post, the candidate should
ensure that he/she fulfils the eligibility and other norms mentioned in this
advertisement. Decision of the Bank in all matters regarding eligibility of
the candidate, the stages at which scrutiny of such eligibility is to be
undertaken, the documents to be produced for the purpose of the
conduct of interview, selection and any other matter relating to
Page10
recruitment will be final and binding on the candidate. No
correspondence or personal enquiries shall be entertained by the bank on
this behalf.
Mere admission to the Written Test and/ or passing the test and being
invited by the Bank for the Interview shall not imply that the Bank has been
satisfied beyond doubt about the candidate’s eligibility. Candidates who
do not satisfy the eligibility criteria and who do not produce the
photocopies as well as the originals of all the documents required to be
submitted and as advised in this notification as well as in the Interview call
letter, for any reason, whatsoever, shall not be permitted to participate in
the Interview, even though they may have obtained the desired level of
score in the Written examination and have been called for interview.
In case it is detected at any stage of recruitment that a candidate does
not fulfil the eligibility norms and/or that he/she has furnished any
incorrect/false information/certificate/documents or has suppressed any
material fact(s), his/her candidature will stand cancelled. If any of these
shortcomings is/are detected even after appointment, his/her services are
liable to be terminated.
(b) Candidates belonging to OBCs but coming in the “CREAMY LAYER” are
not entitled to the benefits of OBC reservation. They should indicate their
category as “UR” or “UR Persons with Disabilities’ as applicable. OBC
Certificates in the format as prescribed by the Govt. of India and issued by
the Competent Authority inter alia, specifically stating that the candidate
does not belong to the Socially Advanced Sections excluded from the
benefits of reservations for OBCs in Civil Posts and Services under Govt. of
India i.e. carrying ‘CREAMY LAYER’ clause based on income issued
recently (i.e., issued on or after 01.04.2012 should be submitted at the time
of Interview.
(c) Persons with Disabilities claiming the benefit of reservations/age relaxation
should possess Medical Certificate as specified in the Disabilities Act of
1995 in support of their disability.
(d) Candidates serving in Government/Public Sector Undertakings (including
banks) should send their application through proper channel and
produce a "No Objection Certificate" from their employer at the time of
Interview, in the absence of which their candidature may not be
considered.
(e) The candidates will have to appear for interview at their own expense.
However, unemployed eligible SC/ST/PWD outstation candidates
attending the Interview will be reimbursed to and fro second class
ordinary train/bus fare by the shortest route on production of evidence of
travel. The Bank will not be responsible for any injury/ losses, etc of any
nature during their travel time.
(f) Only candidate willing to serve anywhere in the operational area of the
Bank should apply.
(g) Any request for change of address will not be entertained.
(h) Any resultant dispute arising out of this advertisement shall be subject to
the sole jurisdiction of the Courts situated at Virudhunagar.
(i) In case any dispute arises on account of interpretation of version other
than English, English version will prevail.
Page11
(j) No candidate is permitted to use calculator, telephones of any kind,
pagers or any such other instruments during the selection process.
(k) The Bank may at its discretion hold a second stage/ conduct
Supplementary process wherever necessary in respect of a
centre/venue/specific post of a candidate(s).
(l) Appointment of selected candidates is subject to his/her being declared
medically fit as per the requirement of the Bank. Such appointment will
also be subject to the Service & Conduct Rules of the Bank.
(m) All Candidates must submit the photo copies of the prescribed
certificates in support of their educational qualification, experience, date
of birth, caste, etc. The candidates belonging to SC/ST/OBC/Persons with
Disabilities Category are required to submit an attested copy of their
caste certificate/certificate of handicap issued by the competent
authority, in addition to other certificates as specified above. Candidates
will also have to produce original caste certificate/relevant certificates at
the time of Interview, failing which his/her candidature will be cancelled.
(n) A recent, recognizable passport size photograph should be firmly pasted
on the computer generated application form and should be signed
across by the candidate. Three copies of the same photograph should be
retained for use at the time of interview. Candidates are advised not to
change their appearance till the recruitment process is complete. Failure
to produce the same photograph at the time of the interview may lead to
disqualification.
Action against candidates found guilty of misconduct :
Candidates are advised in their own interest that they should not furnish
any particulars that are false, tampered, fabricated or should not suppress
any material information while filling up the application form.
At the time of interview, if a candidate is (or has been) found guilty of
(i) using unfair means during the selection process
or
(ii) impersonating or procuring impersonation by any person
or
(iii) misbehaving in the interview venue or taking away any documents
from the venue or
(iv) resorting to any irregular or improper means in connection with
his/her candidature by selection or
(v) obtaining support for his/her candidature by any means.
Such a candidate, in addition to rendering himself/herself liable to
criminal prosecution, shall be liable to be debarred, either
permanently or for a specified period, from any recruitment
conducted by Bank.
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11. HOW TO APPLY
(i) Candidates are required to apply online through Bank’s website
www.pandyangramabank.in from 26-03-2013 to 12-04-2013. No other
means/ mode of application will be accepted.
(ii) Candidates should ensure that their personal email ID (as specified in the
online application form while applying for RRBs- Common Written
Examination CWE conducted in September 2012) is kept active during the
currency of a recruitment project. Bank may send call letters for Interview
etc. to the registered e-mail ID.
(iii) Applicants are first required to go to the Bank’s website
www.pandyangramabank.in and click on the link “Recruitment/ Careers”.
(iv) Thereafter, open the Recruitment Notification.
 the candidate should take a printout of the fee payment challan
 Fill in the Fee Payment Challan in a clear and legible handwriting in BLOCK
LETTERS.
 Candidates can go to the nearest Pandyan Grama Bank Branch with the
Fee payment Challan and pay, in Cash, the appropriate Application Fee
in CBS Current Account “Pandyan Grama Bank Recruitment Project –
2012” Account No. 518702000009377 with Pandyan Grama Bank,
Virudhunagar Branch.
OR
* Can pay the appropriate Application Fee through NEFT at any Bank
Branch in India having NEFT facility in “Pandyan Grama Bank Recruitment
Project – 2012” Account No. 518702000009377 with Pandyan Grama
Bank, Virudhunagar Branch (IFSC Code – IOBA0PGB001).
* The candidates are advised to retain the proof in original (i.e.counter foil
of deposit receipt or acknowledgement for NEFT credit along with UTR
number) for having paid the requisite fee.
* The details of fee to be paid is indicated below :
Candidates may find out the required branch address from the Bank’s website
under Branches link.
Officer (Scale I, II & III)
- ` 20/- for SC/ST/PWD candidates.
- `100/- for all others
Office Assistant (Multipurpose)
- ` 20/- for SC/ST/PWD/EXSM candidates.
- `100/- for all others
(v) Obtain the Applicant’s Counterfoil Copy/UTR number of the Application
Fee Paid by NEFT duly authenticated by the Bank with (a) Branch Name
& code No, (b) Transaction id/Scroll number (c) Date of Deposit & amount
filled by the Branch Official.
(vi) Candidates are now ready to Apply Online by re-visiting the Recruitment
Link on the Bank’s website www.pandyangramabank.in. All the fields in
the online Application format should be filled up carefully.
(vii) Carefully fill in the details such as fee payment details from the CBS
Challan/NEFT receipt in the Online Application Form, scores obtained in
stipulated CWE etc. at the appropriate places.
Page13
(viii) Original fee payment receipt i.e CBS challan/NEFT receipt will have to be
submitted with the Call Letter at the time of Interview. Without original CBS
challan/NEFT receipt the candidate will not be allowed to appear in the
Interview. Candidates are also advised to keep a photocopy of the fee
payment challan with them.
(ix) The name of the candidate or his/her father/husband etc. should be spelt
correctly in the application as it appears in the certificates/mark sheets.
Any change / alteration found may disqualify the candidature.
(x) CANDIDATES SHOULD NOT SUBMIT A PRINTOUT OF THE APPLICATION / FEE
PAYMENT RECEIPT (CBS challan) TO THE BANK AT THIS STAGE.
(xi) Please note that the above procedure is the only valid procedure for
applying. No other mode of application or incomplete steps would be
accepted and such applications would be rejected.
(xii) The Application printout along with the fee payment receipt and required
copies of documents should be kept ready for submission if shortlisted for
Interview.
The applicant should sign and affix his/her photograph on such printout of
application and keep the same ready for submission if selected for
Interview along with copies of required documents mentioned below:
1. Original fee payment CBS/NEFT receipt.
2. Printout of the online application submitted.
3. Printout of IBPS Scores for the stipulated examination.
4. 10th Standard examination Mark sheet in support of local
language
5. Attested copy of School leaving certificate or any other document
as proof of age acceptable to the Bank.
6. Attested copies of Mark sheets / certificates in support of
Educational Qualification;
7. Attested copy of certificate of Computer Course, as applicable;
8. Caste / PWD any other related certificate as applicable.
9. Photo identity proof.
10. Any other relevant document
If selected for interview, candidates serving in Government / Public Sector
Undertakings (including Banks & Financial Institutions) will be required to
submit their applications accompanied by a “No Objection Certificate”
from their employer, in the absence of which their candidature will not be
considered.
It is for the candidate to ensure that he / she has met with the eligibility
criteria and complied with the requirements and adhered to the
instructions contained in this advertisement as well as in the application
form. Candidates are, therefore, urged to carefully read the
advertisement and complete the application form and submit the same
as per instructions given in this regard.
Page14
12. CALL LETTERS FOR THE INTERVIEW
All eligible candidates will be issued call letters at the correspondence address
given by the candidates in their application form, which will be sent by post/
courier.
Candidate has to affix his/her photograph on the call letter. Candidate has to
bring this call letter along with original fee payment receipt and requisite
enclosures while attending the Interview without which they will not be allowed
to take up the Interview.
Date: 20.03.2013 Chairman
Place : VIRUDHUNAGAR PANDYAN GRAMA BANK