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The Rise of Digital-Only Banks: Progress or Premature Shift?

Tags: #ModernBanking #DigitalTransformation #NeoBanks #BankingInnovation #FinancialInclusion

In recent years, the banking sector has undergone a profound transformation with the emergence of digital-only banks, also known as neobanks. These institutions operate without any physical branches, delivering all services through digital platforms — typically mobile apps and web portals.

Their growing popularity, especially among digitally-native younger generations, has sparked an ongoing debate: Are digital-only banks the future of banking, or are we moving too quickly away from traditional, branch-based banking models?

Advantages of the Digital-Only Model
The appeal of neobanks lies in several key advantages:

Cost Efficiency: With no physical infrastructure to maintain, digital banks can offer more competitive interest rates and reduced fees.

User Experience: Fast account setup, intuitive interfaces, and personalized financial tools make digital banking highly user-friendly.

Real-Time Services: Transactions, loan approvals, and customer support can often be executed in near real-time, enhancing convenience.

Innovation-Driven Culture: Many digital-only banks adopt cutting-edge technologies such as AI for fraud detection, personalized budgeting, and automated customer support.

Risks and Limitations
Despite these benefits, several concerns continue to limit the universal adoption of digital-only banking:

Lack of Personal Interaction: Customers facing complex issues or requiring financial advice may find the absence of human, face-to-face support limiting.

Digital Exclusion: Many individuals, particularly in rural areas or among older demographics, remain underserved by fully digital systems due to limited digital literacy or internet access.

Security and Trust: While digital banks may implement strong cybersecurity measures, public trust in purely virtual financial institutions still lags behind that of traditional banks.

Crisis Management: In cases of technical failures, data breaches, or frozen accounts, customers often report frustration with limited avenues for redress compared to traditional branches.

Regulatory Considerations
As neobanks expand, regulatory frameworks must evolve accordingly. Questions surrounding data privacy, customer protection, and digital grievance redressal are becoming increasingly significant. Many regulators worldwide are working to bring neobanks under equivalent scrutiny as legacy banks — ensuring deposit insurance, capital adequacy, and transparency.

A Case for the Hybrid Model
While some digital banks operate independently, a growing number of traditional institutions are adopting hybrid approaches — combining physical infrastructure with advanced digital platforms. These models can serve as a transitional strategy, balancing modern convenience with the trust and accessibility of human support.

Hybrid banks also support financial inclusion by allowing customers to choose between digital and branch-based services according to their comfort levels and needs.

Conclusion
Digital-only banks represent a significant milestone in the evolution of financial services. However, their success should not come at the cost of accessibility, inclusivity, or consumer protection. The future of modern banking may not be exclusively digital, but rather a carefully integrated model that prioritizes both innovation and human connection.

Artificial Intelligence: The Unstoppable Force of Innovation



Artificial Intelligence (AI) is no longer a futuristic concept—it’s a transformative force reshaping industries, societies, and everyday life at an unprecedented pace. From personalized recommendations on streaming platforms to advanced medical diagnostics, AI is everywhere, and its growth is accelerating faster than ever before.


One of the key reasons behind AI's rapid rise is the explosion of data. Every action we take online—searching, shopping, streaming—creates data. This data, when processed by powerful machine learning algorithms, enables systems to "learn" patterns, improve over time, and make accurate predictions. In fact, the global data sphere is expected to reach 175 zettabytes by 2025, giving AI systems more fuel than ever to evolve.


Industries across the board are embracing AI. In healthcare, AI is helping detect diseases like cancer at earlier stages through imaging and predictive analytics. In finance, algorithms assess risks, detect fraud, and provide automated customer support. Meanwhile, in manufacturing, AI-driven robots are improving production efficiency and safety. What once took years of research and human effort can now be optimized in days through intelligent systems.


One of the most noticeable impacts of AI is in natural language processing (NLP). Tools like OpenAI's, ChatGPT and Google's Gemini are capable of understanding and generating human-like language, powering everything from virtual assistants to real-time translation services. This advancement is not only changing how businesses interact with customers, but also how people learn, write, and collaborate.


The accessibility of AI tools has also democratized innovation. Today, developers, startups, and even hobbyists can use pre-trained models, open-source libraries, and no-code platforms to create AI applications without deep expertise in data science. This ease of entry is speeding up AI integration into apps, websites, and services at a grassroots level.


However, this growth also comes with challenges. Concerns over data privacy, algorithmic bias, job displacement, and ethical use are more pressing than ever. Governments and institutions are working on frameworks and regulations to ensure AI is developed and used responsibly. Discussions about AI ethics, transparency, and governance are becoming central to the broader conversation.


Looking ahead, AI is expected to drive even more disruption—autonomous vehicles, personalized medicine, climate modeling, and even creativity in art and music. According to PwC, AI could contribute up to $15.7 trillion to the global economy by 2030. This isn’t just a technological revolution—it’s an economic and cultural one.


In conclusion, the growth of AI is not just fast—it’s exponential. As it becomes more powerful and accessible, the opportunities it creates are immense. But with that power comes responsibility. Staying informed, adaptable, and ethically aware will be crucial for individuals and businesses hoping to thrive in the AI-driven future.

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Title: Time Management Tips for Students – छात्रों के लिए समय प्रबंधन के आसान तरीके

आज के समय में हर छात्र के लिए सबसे बड़ा चैलेंज है – समय का सही उपयोग। मोबाइल, सोशल मीडिया, पढ़ाई, एग्ज़ाम, कोचिंग, और पर्सनल लाइफ – इन सब को बैलेंस करना बहुत मुश्किल हो जाता है। लेकिन अगर आप Time Management को समझ जाएं, तो न सिर्फ पढ़ाई में बल्कि ज़िंदगी के हर क्षेत्र में सफल हो सकते हैं।

क्यों ज़रूरी है समय प्रबंधन?​

समय ऐसा संसाधन है जो कभी वापस नहीं आता। अगर एक दिन चला गया तो गया। इसीलिए एक सफल छात्र बनने के लिए जरूरी है कि हम हर दिन का अधिकतम उपयोग करें।

छात्रों के लिए 5 आसान Time Management Tips:​

1. To-Do List बनाएं
   हर सुबह या रात को अगला दिन प्लान करें। एक लिस्ट बनाएं जिसमें दिनभर क्या करना है, वो साफ-साफ लिखा हो। इससे दिन भर का फोकस बना रहता है।
2. Priority तय करें
   सबसे जरूरी काम पहले करें। जैसे – पढ़ाई, असाइनमेंट या रिवीजन। आसान या कम ज़रूरी काम बाद में करें।
3. Pomodoro Technique अपनाएं
   25 मिनट पढ़ाई करें, फिर 5 मिनट ब्रेक लें। 4 बार ऐसा करें और फिर 15-20 मिनट का बड़ा ब्रेक लें। इससे दिमाग थकता नहीं और प्रोडक्टिविटी बनी रहती है।
4. डिजिटल डिस्ट्रैक्शन से बचें
   पढ़ाई के समय मोबाइल साइलेंट रखें या दूर रखें। सोशल मीडिया से समय बर्बाद होता है, इसलिए दिन का एक निश्चित टाइम रखें उस पर एक्टिव रहने के लिए।
5. नियमित नींद और हेल्थ का ध्यान रखें
   अगर आप सोते समय और खानपान में लापरवाही करते हैं, तो थकावट और आलस बना रहेगा। इसलिए 7-8 घंटे की नींद और हेल्दी डाइट जरूरी है।

निष्कर्ष​

समय की कीमत वही जानता है जो उसे खो देता है। अगर आप आज से ही Time Management को अपनी आदत बना लेंगे, तो न केवल आपकी पढ़ाई बेहतर होगी बल्कि आप अपने सपनों के और करीब होंगे। सफलता का रास्ता कठिन हो सकता है, लेकिन सही योजना और समय का उपयोग आपको वहां ज़रूर पहुंचा देगा।

आपका अनुभव कैसा रहा? नीचे कमेंट करके जरूर बता

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Artificial Intelligence (AI) has become a buzzword across industries — and business management is no exception. But while some leaders hail it as a revolutionary tool, others warn of its disruptive, even dangerous, potential. So where does the truth lie? Is AI a threat to traditional management practices or an indispensable tool for the future?

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#AI#Leadership#Business Mangament

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Some theory about AI and Technology.

The Science of Rest: Why Your Brain Needs Downtime to Thrive

In a world that celebrates nonstop productivity, rest often feels like a luxury—or worse, a sign of laziness. But what if taking breaks isn’t just good for your mood, but essential for your brain’s performance? Science says it is.

**Your Brain on Rest: The Hidden Work Behind Doing Nothing**

When you’re resting—whether daydreaming, sleeping, or simply sitting quietly—your brain isn’t actually idle. Instead, it switches to the default mode network (DMN), a critical system that activates when you’re not focused on external tasks.

Research shows that the DMN plays a key role in creativity, memory consolidation, and problem-solving. In other words, your best ideas likely arrive not when you’re grinding at your desk, but when you’re walking, showering, or staring into space.

**Sleep vs. Wakeful Rest: Both Matter**

Sleep is the ultimate reset. During sleep, your brain clears toxins, stores memories, and regulates emotions. Skimping on sleep doesn’t just make you tired—it impairs decision-making, weakens immunity, and even mimics mild intoxication in cognitive tests.

Even short breaks during the day help. Twenty-minute naps improve alertness, micro-breaks reduce mental fatigue, and mind-wandering enhances creativity. Studies even link boredom with innovative thinking.

**Why We Resist Rest (And How to Fix It)**

Despite the evidence, many of us still feel guilty for resting. Cultural bias, misunderstanding productivity, and tech addiction all play a role in this resistance.

To rest better, try scheduling breaks, practicing non-sleep deep rest like yoga nidra or deep breathing, embracing boredom, and prioritizing sleep. Aim for 7-9 hours—it’s non-negotiable for cognitive function.

**Rest Is Not Laziness—It’s a Biological Necessity**

The next time you feel guilty for taking a break, remember: rest isn’t wasted time. It’s required time. Your brain depends on it for learning, creativity, and emotional balance.

So, step away from the screen. Take that nap. Stare out the window. Science—and your future self—will thank you.

Click to expand...

The Impact of Social Media on Teenagers' Lives

In today's digital age, social media plays a huge role in the lives of teenagers. Platforms like Snapchat, Instagram, and TikTok are used for communication, self-expression, creativity, and career-building. However, social media also brings challenges that affect teenagers' mental health and self-esteem.

The Dual Nature of Social Media: Connection vs. Comparison

On one hand, social media helps teenagers stay connected with friends and family, regardless of distance. It’s also a great way to explore new interests and passions. Teenagers today can engage with a global community, share ideas, and pursue creative activities like video making or photography. However, social media encourages comparison. It’s easy to feel inadequate when scrolling through curated content that shows only the best moments of people's lives. This comparison can harm a teenager’s self-worth, as they may struggle to measure up to the perfection they see online.

Validation and Mental Health: A Growing Concern

Teenagers often rely on likes, comments, and followers for validation. The emotional impact of this can be significant. When a post doesn’t get the expected attention, it can lead to disappointment and anxiety. This harms mental health, making teens feel unworthy or invisible. Additionally, the pressure to post content that will gain popularity can lead to sharing images or videos that aren't authentic. The need for approval can result in anxiety, depression, and poor body image, as it overrides their true sense of self-worth.

Loneliness in the Age of Social Media

Despite its promise of connection, social media can create feelings of loneliness. Teenagers may spend hours online but still feel isolated. Online communication lacks the emotional depth of face-to-face interactions. The fear of missing out (FOMO) can intensify these feelings, as teens often see others participating in activities or experiences they weren’t invited to. This cycle of comparison and exclusion can lead to loneliness, even in a digital network of "friends."

The Positive Side of Social Media

While the negatives are evident, social media also has a positive side. It provides a platform for teenagers to raise awareness on mental health, body positivity, and social justice. Many use Instagram and Twitter to share their stories, connect with others, and advocate for causes they believe in. Additionally, social media offers opportunities for teens to pursue entrepreneurship. Platforms like YouTube and TikTok have enabled teens to start businesses or grow followings, offering avenues for personal and professional growth.

Finding a Healthy Balance

Ultimately, the key to navigating social media is balance. Teenagers need to understand that social media is just a tool, not a measure of success or happiness. Parents and educators should encourage open conversations about the reality of social media and the importance of self-acceptance. Spending time offline, engaging in physical activities, and nurturing face-to-face relationships can help teens maintain a healthy balance.

Conclusion

Social media has both positive and negative impacts on teenagers. It connects them with others and provides a platform for self-expression, but it also fosters unhealthy comparisons and can negatively affect mental health. By promoting healthy usage and self-worth, we can ensure that social media remains a tool for growth,
connection, and positivity.

Title: Why École Globale is Ranked Among the Best Boarding Schools in India

Introduction

• Overview: A brief introduction about École Globale International Girls' School and its reputation in the education landscape of India.

When it comes to top-tier educational institutions in India, École Globale International Girls' School has earned its place among the very best. Known for its blend of world-class infrastructure, exceptional faculty, and commitment to holistic development, École Globale continues to shape the leaders of tomorrow. But what makes this institution stand out? Let’s dive into the reasons why École Globale is regarded as one of the leading boarding schools in India.

1. Holistic Education Focus:

At École Globale, education is not limited to textbooks and exams. While academic excellence is at the core of the institution’s philosophy, the school believes that true education goes beyond mere academic learning. Holistic education is a defining feature of École Global’s curriculum. The school places significant emphasis on developing the intellectual, emotional, social, and physical aspects of every student.

By incorporating extracurricular activities like sports, arts, music, drama, and leadership programs, École Globale provides a well-rounded education that helps students discover their passions and interests. This allows girls to develop not only their intellectual capabilities but also creativity, emotional intelligence, teamwork, and leadership skills, all of which are vital for success in life.

Students at École Globale are encouraged to explore their interests in various fields such as music, dance, sports, and the arts. This allows them to develop a diverse set of skills that contribute to their overall growth and well-being. This focus on holistic development makes École Globale stand out as a school that truly cares for the complete growth of its students, not just their academic performance.

2. World-Class Infrastructure and Boarding Facilities:
One of the defining aspects of École Globale International Girls' School is its state-of-the-art infrastructure. The campus is designed to provide an optimal learning environment, with spacious classrooms, fully-equipped science and computer labs, art studios, and recreational areas. The school recognises that a conducive learning environment is critical for academic success, and hence, all aspects of the infrastructure are tailored to enhance the educational experience.

In addition to the academic infrastructure, the boarding facilities at École Globale are second to none. Students live in comfortable and secure accommodations that provide a home-like atmosphere. Each student is given access to well-maintained rooms that come with modern amenities, ensuring comfort and safety. The hostels have round-the-clock supervision and security, so students can focus on their studies and personal growth without any distractions or concerns.

The school also offers a range of recreational and sports facilities, including indoor and outdoor sports grounds, swimming pools, and spaces for arts and music practice. This infrastructure allows students to pursue their interests in sports and other activities, promoting a balanced lifestyle.

3. International Curriculum for Global Exposure:
École Globale offers a global curriculum designed to prepare students for the challenges of an interconnected, globalised world. The school offers both the International Baccalaureate (IB) and Cambridge IGCSE programs, which are recognized worldwide. These international programs are known for their academic rigor and focus on critical thinking, research, and independent learning, which are essential skills in today’s rapidly changing world.

The IB and Cambridge curricula allow students to develop a global perspective that prepares them to succeed in top universities across the globe. The programs emphasise not just rote learning but also the development of problem-solving skills, collaboration, and creativity. This focus on inquiry-based learning equips students with the tools they need to excel in a variety of academic settings.

Moreover, the international exposure that students gain through these curriculam prepares them for higher education opportunities around the world. Whether it’s top universities in the United States, the United Kingdom, Australia, or elsewhere, École Global’s graduates are well-prepared for success in international academic environments.

4. Experienced and Passionate Faculty:
At École Globale, the quality of teaching is one of the most important aspects of the educational experience. The school boasts a team of highly qualified and experienced faculty members who are passionate about teaching and dedicated to their students’ success. The teachers at École Globale not only impart academic knowledge but also act as mentors who guide students in both their intellectual and personal journeys.

The teacher-to-student ratio at École Globale is intentionally kept low to ensure that each student receives personalised attention. This allows teachers to develop a deeper understanding of each student’s strengths, weaknesses, and learning style, which enhances the overall learning experience.

Additionally, the faculty members are trained to use innovative teaching methods and modern educational tools that foster critical thinking, creativity, and collaboration. Teachers actively engage students in discussions, projects, and hands-on activities, encouraging them to think independently and solve problems creatively. This personalised and engaging approach helps students thrive academically and personally.

5. Leadership Development Opportunities:
Leadership is a core value at École Globale, and the school places significant emphasis on leadership development. The institution believes in empowering young girls to become leaders, and this philosophy is integrated into various aspects of the school experience.

Students at École Globale have the opportunity to take on leadership roles in a variety of contexts. Whether it’s through student councils, sports teams, clubs, or community service initiatives, students are encouraged to develop leadership skills and take responsibility for their actions. These opportunities help students build confidence, decision-making abilities, and strong communication skills.

Leadership programs at École Globale are designed to foster qualities such as empathy, responsibility, and collaboration, which are essential for becoming a successful leader. By engaging in these activities, students learn how to lead by example and inspire others. This emphasis on leadership helps students not only in their school life but also in their future careers and personal lives.

6. Cultural Diversity and Inclusivity:
École Globale is a culturally diverse institution that celebrates the differences among its students. With students coming from different parts of India and around the world, the school offers a rich and inclusive environment that fosters mutual respect, understanding, and collaboration. The exposure to different cultures, perspectives, and experiences allows students to develop a global mindset and appreciate the diversity that exists in the world.

The school organises various cultural activities, festivals, and events where students can learn about and celebrate different traditions. This exposure to diverse cultures helps students develop empathy, open-mindedness, and tolerance, qualities that are crucial in today’s interconnected world.

Additionally, École Global’s inclusive environment ensures that all students feel valued and respected, regardless of their background. This atmosphere of acceptance and support allows students to feel comfortable and confident in their own identities, fostering a sense of belonging and community.

7. Strong Track Record of Academic Success:
École Globale has built a reputation for academic excellence, with a track record of impressive results in both national and international exams. Students from the school consistently perform well in the IB and Cambridge programs, and many go on to study at prestigious universities across the world. The school’s academic success is a testament to its rigorous curriculum, dedicated teachers, and student-focused approach.

Moreover, the school offers personalised college counselling services to help students navigate the often complex process of applying to higher education institutions. Whether it’s preparing for entrance exams, crafting application essays, or selecting the right courses, the school’s college counselling team works closely with students and their families to ensure they are well-prepared for the next phase of their academic journey.

8. Commitment to Safety and Well-being:
École Globale places the safety and well-being of its students at the forefront of its priorities. The school campus is equipped with 24/7 security to ensure the safety of students at all times. The school also has medical facilities on-site to address any health concerns, as well as a team of trained professionals to support students' mental and emotional well-being.

In addition to physical safety, the school promotes a healthy and balanced lifestyle, encouraging students to take part in physical activities and maintain good mental health. The school offers counselling services to support students through any personal or academic challenges they may face, ensuring they have the tools and support they need to thrive.

9. Transparent Communication with Parents:
École Globale values strong communication with parents and maintains transparency in its interactions with families. The school keeps parents informed about their child’s progress through regular updates, parent-teacher meetings, and feedback sessions. This open line of communication helps parents stay engaged in their child’s education and ensures that the school and parents work together to support the student’s development.

Conclusion:
École Globale International Girls' School offers more than just an academic education; it provides a nurturing environment where students can grow into confident, capable, and well-rounded individuals. The school’s commitment to holistic development, global exposure, leadership opportunities, and student well-being makes it one of the top boarding schools in India. If you’re looking for an institution that prioritises the complete growth of a child, École Globale is the ideal choice.

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Good computer skills are essential for professionals in all fields in today's digital world. Since starting in 1997, Oxford Software Institute has been a leading provider of IT professionals in various industries. Our carefully designed computer courses focus on careers and help students develop the skills to get good jobs. As the best computer Institute in Delhi, we proudly offer excellent computer classes at affordable fees. If you are searching for computer training near me or a computer institute near me, your search ends here.

A trusted provider of high-quality precision machining services. We specialize in delivering custom-manufactured components with tight tolerances and exceptional accuracy to meet the unique requirements of clients across various industries, eg., Fitwell corporation, Sanfield India ltd, DBL, Railways, Skyline, Malik Industries etc.
Our capabilities include:

• CNC machining(Milling & Turning)
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with a proven track record of delivering on time, competitive pricing, and a commitment to excellence, we are confident in our ability to support your needs effectively.
we would be honored to be considered as a registered vendor for our organization. Please let us Know the process and documentation required for registration, and we will promptly provide all necessary details.
Looking forward to the opportunity to collaborate with you.

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Supply chain Management (SCM)
Supply chain Management (SCM), a crucial corporate function, involves the planning, implementing, and controlling the flow of products, services, data, and money from the supplier to the manufacturer to the wholesaler to the retailer to the final customer. Assuring that goods or services are delivered to the appropriate location, at the appropriate time, and in the most economical way is the main objective of supply chain management. Supply chain management's main objective is to make sure that goods or services are supplied in the most efficient way possible, at the appropriate time and place.

Key components and activities of supply chain management include:

1. Planning: This entails formulating plans, establishing goals, and creating the supply chain's framework. In addition, demand forecasting is part of it, which aids in figuring out how much product has to be made or bought.

2. Sourcing: In this step, suppliers are found, agreements are negotiated, and purchases are made. It's critical to choose affordable and dependable suppliers.

3. Production or Manufacturing: This stage addresses the actual production procedure, quality assurance, and capacity planning in situations where things are made.

4. Inventory Management: Controlling inventory levels to maintain product availability while reducing unnecessary inventory costs.

5. Distribution: This entails the shipping, warehousing, and order fulfillment procedures, ensuring that goods are efficiently delivered to the intended recipients and customers.

6. Logistics: This includes deciding on the appropriate modes of transportation and routes as well as organizing and carrying out the physical movement of products.

7. Information Systems: Making use of software and technology to track and manage the supply chain, including order processing, inventory control, and data analysis.

8 Sustainability and ethics: The practices are becoming more and more important as supply chain management becomes more global. A crucial element is ensuring that supply chains are ethical from both an environmental and social perspective.

9. Demand Management: Predicting consumer demand accurately and modifying supply chain procedures to fulfill that need.

10. Risk Management: The process of recognizing and reducing potential risks in the supply chain, such as disruptions brought on by natural catastrophes, geopolitical problems, or changes in demand.


A competitive advantage in the market, cost savings, enhanced customer happiness, and increased flexibility are just a few advantages that can result from effective supply chain management. Additionally, it contributes significantly to waste reduction, sustainability advancement, and ensuring rules are followed.

Smile is the best solution of that handling to every situation,some time make an unexpected things in our life but skip them and clam in every situation.

For over 12 years as an Entrepreneur, and India’s Top Educationist, Jatin has led a range of initiatives in the Education Industry. In this role, he has created many successful educational services and products geared towards generating success for professionals aspiring to join IVY League and global Top Tier Universities for MBA Programs, Masters Programs, and undergraduate courses. He is the Founder and CEO of PythaGURUS Education, and has been recognized as a thought leader in the Higher education sector. Economic Times, Hindustan Times, Times of India, India Today, Business Today, Tribune, and many other national newspapers have recognized his work, and have given him numerous opportunities to be a regular columnist. He has also served as a panelist for NDTV, and other national news channels.

Jatin Bhandari

Founder, and CEO, PythaGURUS Education

MBA, Darden Graduate School of Business, University of Virginia

How Nitant made it to the world’s #1 Executive MBA, INSEAD?

We have had many applicants ask us if too much work experience is a thing during MBA applications. to be completely honest with you, it is. With more work experience, your responsibility to prove the need for an MBA increases.

Nitant was facing the same problem with about 8 years of experience in a brand development role.

Jatin Bhandari has generated over 100 Crores( ~USD 15 Million) of Top MBA scholarships for professionals from very diverse backgrounds. In addition to the common applicant pool, he has even helped Doctors, Policemen, and Politicians gain admits to top B-Schools, and has covered all possible professions that qualify for a Top Global MBA….ALL OF THEM! These applicants have gone to Top Tier Universities in more than 10 countries.
You can also take benefit from him and ask for expert advice from him.

Is there no value of passing the UGC NET now as the HRD made a PhD mandatory for an assistant professor?

1. Ministry has said that these rules will come into force by 2021. If you think you can't become Assistant Professor till then or you do not wish to apply until 2021, also you are pretty sure that this government will continue till 2021, there is no need to apply for UGC NET Exams.
2. Universities are free to add desirable qualifications along with minimum essential qualifications.
3. Detailed notification for the post will deal with the degrees and certificates required.

Considering the above, I will recommend you appear in the NET examination and qualify it. Complete your Ph.D. too. So that any kind of rule or regulation can't stop you from applying for Assistant Professor in direct recruitments.

Balaji Investment Consultants is a fast growing Rohtak (Haryana) based retail financial services provider. At Balaji Investment Consultants we welcome all the investors to a highly dependable financial organization that strictly endeavors to deliver them the best of investment related services.

Banking

Hello,
I've a small question as we all are aware of the pandemic according to you what are you're thoughts on it?
what do you is Corona virus a gift or contrary?