Rahul kumar

[bankpediaa @bankpediaa]

This video is for @MyIndianBank
From Chief Manager

[Nitin Tyagi @iNitinTyagi]

Indian Bankers’ Self Respect Manual for 2026

(Read this when targets, transfers, and threats try to break you)

Indian bankers are not failing.
The system is failing bankers.

Daily target pressure, VC humiliation, forced late sittings, arbitrary transfers, customer abuse, and physical attacks inside branches have become normalised. They should never be normal.

If you want to survive banking with dignity in 2026

1. Stop glorifying suffering.
Working till midnight, skipping leaves, and sacrificing health is not commitment. It is exploitation.

2. Targets are professional goals, not moral judgments.
Missing a target does not make you incompetent or deserving of humiliation.

3. In VC meetings, be factual, not defensive.
Never beg. Never over explain. State facts. Document everything.

4. Late sitting is not consent.
If work spills beyond hours daily, the system is broken, not you.

5. Never tolerate abuse in the name of business.
Shouting RMs/ZMs, abusive customers, and threatening defaulters cross the line every single time.

6. You are not a recovery muscle.
Loan recovery does not justify threats, violence, or police less branches.

7. Dress and behave with authority, even when respect is denied.
Dignity starts with you when the institution forgets it.

8. Stop joking about bankers being helpless or overworked.
What starts as humour ends as accepted humiliation.

9. Document, escalate, repeat.
VC abuse, written pressure, verbal threats, and physical attacks must be recorded. Silence protects the abuser.

10. Protect your mind before protecting numbers.
Depression, anxiety, and burnout are warning signs, not weakness.

11. Transfers are tools of control. Do not internalise them.
Punitive transfers reflect power misuse, not your worth.

12. Your family needs you alive and sane, not a top performer.
No target is worth broken health or lost years.

A hard truth every Indian banker must accept because Self respect in banking is resistance. Until

#5daybanking is real
Security guards are mandatory
Abuse is punished
Targets are realistic

Bankers must protect themselves.

You are a public servant.
Not a slave.
Not a punching bag.
Not expendable.

#Bankersvoice

[Nitin Tyagi @iNitinTyagi]

🚨 Reality of Banks these days: Come Early. Sit Late. Performance Doesn’t Matter.

A Regional Manager (RM) once complained to a Branch Manager in a PSU/RRB bank:

“I’m getting reports that one of your officers comes late every day. This indiscipline will not be tolerated.”

The Branch Manager replied respectfully:
“Yes sir. I’m aware. I gave him a 30-minute reporting-time adjustment.”

The RM reacted sharply:
“Why did you do that? You are doing wrong for the bank.”

The BM explained:
Sir, his wife passed away last year. Every morning, he drops his young daughter to school. There is no one else at home.

The RM interrupted coldly:
I don’t care about personal problems.

The Branch Manager still tried to reason:
Sir, before this adjustment, his performance was average. He was under constant stress.

After the adjustment:
• His attendance is regular
• Business and recovery improved
• Operational errors reduced
• Customer complaints dropped”

The RM cut him off: I don’t care about performance. I don’t care about output.

I want him to report in the morning.
And I want him to sit late in the evening.

That is discipline. That is PSU/RRB banking.

The Branch Manager had nothing more to say.
This is the ground reality in many PSU and RRB banks.

Not productivity.
Not outcomes.
Not humanity.

Only physical presence.
Only control.
Only fear.

This is not leadership.
This is command-and-control management.

Banks don’t suffer due to lazy staff.
They suffer because empathy is treated as a weakness.

#Bankersvoice

[Nitin Tyagi @iNitinTyagi]

🎯 HOW I LFET A GOVT BANK JOB 🎯

My Story, My Planning, My Advice

Many people ask me one question again and again: How did you leave a permanent bank job?

And behind that question, I see pain, fear, frustration, and exhaustion because many of us are still stuck in the same toxic public sector banking environment.

So today, I am sharing my complete story, not to glorify myself, but to tell you that leaving is possible if you plan it well.

❤️ My Banking Journey (2011-2023)❤️

I joined an RRB in 2011.
I worked almost 10 years as a regular employee, took partial exits in 2020, and finally resigned in 2023.

1️⃣ PROACTIVE APPROACH:

- I was never a silent sufferer.
- I was outspoken
- I took responsibilities in associations
- I served as GS in employees’ and officers’ associations
- I later became All India AGS & VP (AIRRBEA)
- I actively served various responsibilities in RSS

I travelled across India for union work, for travel, met incredible friends, mentors, and leaders who treated me like a family. I will always remain grateful to AIRRBEA, RSS, Traveling and the people I met through it.

Despite all this, banking kept becoming uglier targets, pressure, humiliation, fear culture, and zero respect for human life.

2️⃣ Parallel Life:

I Never Put All My Eggs in One Basket
From day one, I decided bank salary would not define my life.

2014: I Started My Travel Company
I founded Adventure 24×7, organising:
- Ladakh road trips
- Spiti road trips
- Trekking trips

I used:
- CL, PL & ML
- Leave without pay

If they marked it as LWP, I said: “Okay.”
Because during those 15 days, I earned more from my travel business than my monthly bank salary.

3️⃣ Smart Financial Decisions Gave Me Freedom:

Some important choices that changed everything:
•❌ No housing loan
•❌ No personal loans
•✅ Only a vehicle loan (Scorpio) used for business

1 Ladakh trip gave me ₹45,000
If I rented a vehicle, I’d pay the same amount. I did 7-8 trips a year & my car paid for itself.

Later:
- Invested in property
- Became a partner in luxury camps near Rishikesh
- Created passive income

4️⃣ My Biggest Strength: Support System

I was lucky and I acknowledge it openly.
•Strong family background
•Two well-settled brothers
•Clear assurance: “Do what you want, we’ll take care.
• And my friends and mentors whom I found in life.

Also:
•I was single
•No pressure of spouse or children
• No Financial liabilities
•Freedom to think boldly

This allowed me to do an honest SWOT analysis of my life while Most people skip this step. I didn’t.

5️⃣ Learning Never Stopped:

Even while working in the bank, I did my LLB, https://t.co/MZNYsKJuWh, M.A in Eco, English, Hindi & Psychology and Continuous short courses.
I always believed: If I stop learning, I stop growing.

6️⃣ 2020: The Turning Point:

In 2019, I applied for a scholarship and pursue for higher study in Europe.
I took two years of leave (I was fortunate) But honestly even if leave was rejected, I was ready to leave.

Abroad:
- I did another Master’s
I travel extensively and learned
- Started working alongside studies
- My income became almost double my bank salary
- Zero pressure, zero humiliation

Later, I joined Morgan Stanley and resigned from Bank so it was not sudden even it was well planned.

7️⃣ 2023: The Final Exit

In 2023 after joinee Morgan Stanley, I went for three months travelling from Egypt to Cape Town and I saw business opportunities in Africa. I came back and make plan again and I resigned from MS.

When I came to Africa, my salary difference was almost 80% initially.
But I came to learn, not earn immediately.

Within 10 months, I started my own business definitely which needs a big capital and again: My Family, My brothers and My Friends shown faith in me and stood behind me which gives me confidence again.

8️⃣ Today, after nearly 2.5 years, I can confidently say:

Leaving the bank was the right decision.

To be continued…..
1/2

[Nitin Tyagi @iNitinTyagi]

When Targets Become Terror: Why PSU and RRB Bankers Are Paying the Price

The recent arrest of a @canarabank female Branch Manager in Varanasi by the CBI in a cyber fraud related mule account case has shaken the entire PSU and RRB banking community.

As per the investigation, mule accounts were opened and used to route money from cyber fraud victims. The CBI has alleged lapses in KYC and the involvement of bank officials and intermediaries in facilitating these transactions.

If proven, this is a serious criminal offence and no banker involved in fraud deserves protection.

But stopping at one arrest without questioning the system is intellectual dishonesty.

❗️The Unspoken Reality of PSU and RRB Banks

Anyone who has worked in a PSU or RRB branch knows this truth.

Branch managers and officers are under continuous pressure for account opening, CASA growth, insurance, mutual funds, digital products, and recovery, all at the same time.

- Daily calls from RO and ZO
- Late night WhatsApp review messages
- Daily video conferences
- Public humiliation over numbers
- Unrealistic targets with inadequate staff
- Threats of poor performance remarks and transfers

In many RRB and rural PSU branches, a single manager is handling operations, business, compliance, audit replies, and law and order issues.

Compliance becomes a casualty when survival becomes the priority.

❗️Sales Pressure Is Killing Risk Culture

Let us be absolutely clear. Mule accounts are illegal. KYC compromise is unacceptable and Cyber fraud destroys lives.
But the current management approach in PSU and RRB banks is pushing officers into impossible situations.

When promotions, postings, and appraisals depend only on numbers and not on compliance quality or risk discipline, wrong incentives are created.

In such an environment, shortcuts do not start with bad intent.
They start with fear, exhaustion, and constant harassment.

❌One Arrest Will Not Fix a Broken System

Arresting a branch manager sends a message, but it is a message only to the lowest rung of decision makers.

The real questions remain unanswered.

Who fixed unrealistic targets
Who ignored repeated staff shortage warnings
Who rewarded only sales and punished caution
Who normalised late sitting and mental harassment

Unless these questions are addressed, such cases will continue to emerge from PSU and RRB banks.

🚨 What Needs to Change Immediately

If banks are serious about preventing mule accounts and cyber fraud, they must act beyond cosmetic actions.

Reduce target obsession
Separate sales from core operations
Ensure adequate manpower at branches
Reward officers for compliance and audit performance
End threat based management culture
Create an environment where saying no is respected

Without these reforms, accountability will remain selective and incomplete.

🎯 Final Word

Law must take its course and wrongdoing must be punished.

But justice is hollow if the toxic work culture of PSU and RRB banks is never questioned.

Cyber fraud is not defeated by sacrificing branch managers.
It is defeated by fixing the system that pushes them to the edge.

#Bankersvoice

[Rahul kumar @Rahul09259]

@Hellobanker_in @canarabank @CBIHeadquarters Yes same thing is happening at every bank !! Administration is giving pressure for opening of account and innocent staff is getting punishment !! Scapegoat banker

[Rahul kumar @Rahul09259]

@IndiGo6E You don’t care any body !! You have made me suffer like any thing and i wish public should also not care for you !!

[Rahul kumar @Rahul09259]

@IOC_LPG_PatnaAO @mnreindia
Scam by INDANE gas agency . Without delivery of cylinder from agency message received cylinder has been delivered . This issue is happening again and again.
Cheating/scam by gas agency dealer .

Kindly help and take appropriate action

[Rahul kumar @Rahul09259]

@ANI @IndiGo6E you will get curse of public and wish for your shutdown

[Rahul kumar @Rahul09259]

@TheBankersVoice *I wish you all a very happy new year 2025.*
I hope you all will have a great time without EOD checks this year.

[Rahul kumar @Rahul09259]

@Hellobanker_in *I wish you all a very happy new year 2025.*
I hope you all will have a great time without EOD checks this year.

[Anonymous @UjjalBanerjee11]

What is this @TheOfficialSB Is this how you threaten n treat ur employees is this how u want to become a trusted bank.

[Alankrit Shukla @alashshukla]

Yes we dont need security in Branches.
Cost cutting is more important. Staff ka kya hai ek jaaega doosra aa jaaega.
🙏

As per info its coming from @MyIndianBank, Tirupati branch.
Thankyou.
@DFS_India @FinMinIndia

[Rahul kumar @Rahul09259]

@Hellobanker_in @canarabank @NitishKumar @narendramodi @UN_HRC @alashshukla @Bankers_We

[Rahul kumar @Rahul09259]

@Hellobanker_in Bati bachao @shamecanarabank @shamebihar these gunda are responsible for degrading the name of Bihar 😡 @canarabank @NitishKumar @narendramodi @UN_HRC

[krishna kumar @kmarkri]

The Government of India has come out with a new PLI scheme for scale 4 onwards up to MD .this scheme is both bank and individual performance linked .
Quite a complicated and exhaustive scheme .
It will put these senior officers under further pressure to perform which will impact people down the line .

[Rahul kumar @Rahul09259]

Train no 22644 ; AC coach unreaserved passenger are sitting and long journey passenger are fool who booked ticket at Tatkal/months before .

Kindly send ticket checker and instructions them to do their work honestly.
@indianrailway__ @RailMinIndia

[Rahul kumar @Rahul09259]

@vds2011 @IndiGo6E Thanks for your response🙏

[Rahul kumar @Rahul09259]

Horrible hospitality @IndiGo6E . My parents are struck at Bangalore airport and no body is answering/responding .

Pl help @JM_Scindia @pmo

[Rahul kumar @Rahul09259]

Worst flight experience for indigo flight no 6E897 . flight to Varanasi from Chennai via banglore . After reaching Bangalore flight cancelled. My parents got stuck and no body is helping .

PNR no - NZVGMQ
@PMOIndia @DGCAIndia @IndiGo6E @jyot

[Rahul kumar @Rahul09259]

@IndiGo6E Worst flight experience for indigo flight no 6E897 . flight to Varanasi from Chennai via banglore . After reaching Bangalore flight cancelled. My parents got stuck and no body is helping .

PNR no - NZVGMQ