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The Tale of DD Charges

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I am one of the people who wish for #DigitalIndia as promised by our Prime Minister.

So me, The guy who rarely enters into the bank entered a bank for the need of DD's for some Government work which promotes #DigitalIndia.

Filled forms and I reached the counter of HDFC Bank the cashier explained me the charges.

Cashier: 5 Rs for 1000 Rs + Tax
Me: What?? 5 Rs per 1000? Are you sure?
Cashier: YES....!!
Me: Then I need to check and walkout. (Well ICICI bank charges 3 Rs per 1000, That I know because I transacted with them recently i.e 66% lower than HDFC)

In other words:
That is 500 Rs per Lakh.
In other words it is 0.5% transaction fee.

So I had to speak with the manager who firmly assured me that the problem is I am not rich enough so I won't get free DD's for those amounts. But suggested to speak with the lady to check my account and tell me charges specific to my account.

So the lady told me, I can take 1 DD below 1 Lac Free of Cost per day.
Awesome, Thank you so Much....! Time …

JP Nagar to Kalyan Nagar in 1 Hour?

If you live in Bangalore and If I said I did it between 5PM to 6 PM on a working weekday you will seriously laugh at me. Bangalore's road's are not kind on anyone.

Yeah, The distance with straight roads is just 20KM. But time to cover the distance varies based on time. At 10 PM it shows 50 mins and at 12 PM it shows 1 hour 15 mins.

So to pick my vehicle from Service I had to head to Kalyan Nagar, The centre closes at 6:30. Reaching on time was important.

I checked google maps before I headed to Kalyan Nagar, 1 Hour 40 mins is what it read. Now if you wonder I cut the 40 mins by my/taxi drivers amazing driving, The answer is NO.

This amazing feat was possible because of NAMMA METRO.
JP Nagar to Majestic : 20 mins
Majestic to Bayappanahalli: 20 mins
Auto for next 9 Km's: 20 mins (Thanks to the ORR which just misses the KR Puram/Tin Factory junction.)

This efficient use of public transport made me write this post. Hope the metro construction progresses at a faster pace.

How …

Nidagal Trek

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After a long time a trek....!!

This time it was in Pavagada district.

Place is ~200KM from Bangalore 3-4 hours drive.
Road via Dabaspet is in a better shape is what I felt (Took this route while coming back).
But  If you live in North Bangalore take the Hyderabad highway and take left towards Pavagada from Penakonda.

Location:
It is a Moderately difficult trek. Carry Water and plenty of snacks. Took us 3 hours to reach the top with lot of breaks.
Wear shoes (Mistake I did as I was wearing 80% covered Woodlands sandals, Things can enter inside from the rest 20% uncovered part).

Park your vehicles at bottom of hill and start climbing which looks like a simple climb. (It is NOT)

Here is what it looks like from the bottom.

You can see layer of mountains at a distance when you climb up.

A panorama from the top. (There are 2 cars in this picture and you can't see them because they are so far away.)
At the Top there is a Nandi Temple.

Joy of reaching top...!!

Special Thanks to Sandesh Mavinakul…

Digital India ?

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Well, Every time I see the word digital I feel happy. Yes, We definitely should move towards digital India & move towards cashless India..

Then I look at the cost of going digital. Some say the cost is reduced but then I had a look at 1 of my bank statements and realized, Digital is costing me money more that I expect it to cost.

I have a account in Corporation Bank, Which I rarely use as you can see from the picture below. Has Internet banking and a vanilla debit card. I don't have a cheque book issued because I never needed one for this account.


So Technically I have gone digital with this account. I use Debit card, don't use cheque book, don't visit the branch, do banking online. So look at the charges which I have shown.
1. They charge 150 Rs per year for having the Debit Card. (Should not this be part of banking now a days? Is it still a privilege?) 2. They charge me 100 Rs per year for getting SMS alerts. (Yeah, Right how much does bulk SMS's are charged thes…

DeMonetization Thoughts.....!!

As the demonetization slowly sinks in Brain started to think in Multiple ways.

First thoughts on Demonetization. 
1. Awesome, everyone having heavy amount of hard cash should be punished.
2. Hope the black component of the property transactions reduces substantially.
3. Finally proud of having all Money which I have paid Taxes for.
4. The fake money is going to be killed.
4.So if 500 Rs and 1000 Rs were the reason for Black money then why introduce a 2000 Rs note which will cause the black money to grow again after some time.

After a few hours. 
1. The big fish that the PM claims are hoarding black money won't just have cash. They will have Gold, Property and foreign currency.
2. The government still has not incentivized the transaction which we do on cards, like petro Surcharge on CC and Debit cards.
3. Oh my god ~80% of cash is in 500s and 1000s you will have a shortage of 100s and lower denominations. Who will give me change for 2000 Rs now??

After a Day. 
1. Was this decision mad…

What to do with your 500 and 1000 Rs notes

What to do with your 500 and 100 Rs notes??

1. Deposit old notes of Rs 500 and 1000 in banks or post offices between November 10 and December 30, 2016. 
2. Those who are unable to, can exchange notes till March 31, 2017 at specified RBI offices after furnishing proper declaration. 
3. There will be an initial limit of Rs 10,000 per day and Rs 20,000 per week on withdrawal of money. This limit is to be increased soon. 
4. Exchange of old notes for cash upto a limit of Rs 4000 possible at any bank or post office by producing valid ID proof. 
5. Rs 500, Rs 1000 notes will be accepted at hospitals, drug stores till Nov 12. 
6. Arrangements have been made at airports so that travellers entering/leaving the country are not inconvenienced. 
7. The notes can also be used at designated fuelling stations till Nov 12. 
8. Petrol pumps and retail outlets will have to keep every single entry of cash transaction with Rs 500 and 1000 notes till November 11. 
9. ATMs will not function on Nov 09 and at some pl…

Dandiganahalli Dam

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After a long long and Long time visited a place.



Calm Place. Morning well spent. Some clicks


A Video of Clouds moving around.


That's all...!!