Where These Bank Services Charges will lead the Financial System of India?

Banks have started charging customers for almost everything. I was referring to the schedule of the charges today and found there are charges listed for 194 different services. Surprisingly there is no huge chaos yet, which RBI and government would also have expected, maybe because people don’t know the detailed schedule of charges yet.
A majority of the charges are completely unethical. On one side government is talking about having a cashless society and promoting online transactions. On the other side, Banks are charging for everything. How is this system going to work? Take for example Cheque page costs 5 Rs now and online banking charges increased up to 55 Rs depending on the time of day you do that. Passbook printing costs 75 Rs per 25 transactions + 100 Rs per passbook. There are charges scheduled for the each outstation cheque you deposit for clearing. Charges if you pay for petrol, railway tickets, government services and schools and university fees by card or online payment. Charges if your total debit transactions exceed 50 in 6 months. And as I already mentioned above, 194 ways are being created to collect charges from buyers.

There are two possibilities I can see here:

First is either Banks are imposing the charges on the users to recover the cost of bad loans and NPAs they have created, and the cost of Jan Dhan Accounts they have opened.

Or the second possibility is the Indian banking system is moving towards interest removal and financial reform where….

1) In next 5-10 years, Interest rates in India will see the bottom. You won’t get anything for keeping money in the bank in any type of account. And will pay may be a tiny amount of interest for taking loans from the banks.
2) Banks would turn into business shops rather a service organization and will earn more from charges and not from interest.
3) People will stop earning interest and will have to work for livelihood or will have to invest in markets.
4) Markets and businesses will be full of money because of almost no interest to be paid.
2 and 3 finally will lead the country towards more productivity.

I would welcome suggestions and comments of others here which will help everyone understand the perspective.

Image courtesy: bigdecisions.com

Self-reliance in energy will keep the earth alive…

I have read an article figuring the growth of retail shopping around the world. Globally in 2013, people have shopped merchandises of worth 1.2 Trillion USD and this might grow up to almost 2.5 trillion UDS by 2020. That is slightly more than the double. Obviously, the world population is not going to get doubled during same (thankfully). This growth will be lead by the increased consumerization and consumption. It will help to boost the economy and the increased financial capacity may make lives better for millions.

But on the other side, this also alarms about the increased manufacturing, exploitation of natural resources and increase in the use & throw culture which will lead the world to environmental disaster. Do we have a plan to handle this?

Along with the environmental challenges, one of the worries this world has is energy consumption rate. Fossil fuel is still the largest, the significantly largest source of energy for us. Though we are known to the damage they have been causing to the environment and the scarcity it has, we are hastily dependent on such sources of energy. Talks on solar power, wind power, hydro energy, bio-diesel and other natural sources of energy are heavy but the execution is missing. Sometimes I wonder if the energy we have spent during the talks, conferences, and advertisements related to sustainable energy sources would be higher than the actual energy we would have generated that way.

Yes, all sustainable energy sources seem promising if executed well. I feel Piezoelectric is an important contributor. Piezoelectric is a way of energy generation with foot and bodily movement of the humans. While jogging, running, dancing and walking humans can generate tons of energy sufficient to reduce carbon footprint significantly. The problem at present is the cost of such flooring would be too high but adequate research can turn up this as an idea of “Mahatma Gandhi’s” self-reliance movement where everyone is generating their own energy themselves.

The self-reliance in energy generation and energy consumption will keep our mother earth alive.. forever.

Against what will you change your current smartphone?

Smartphone Future

If we make a note of the most disrupting events, people and technologies ever happened in the history of mankind, Mobile technology would make a place for sure in top 10. It has changed the way we have been living, interacting, eating, traveling, getting educated and many more. For a matter of fun a joke i have read somewhere said that based on the the principles of evolution and natural selection, the future generation may born with pointed thumbs or fingers. Yeh.. to handle smartphone effectively.

But the question is will smartphone evolution be slower than the natural evolution? With better screens we are already using smartphone very effectively. If you are using a smartphone with 8 megapixel camera, you may change it for a better camera or against a phone with a front camera. Few people may exchange their phones against a powerful processor and memory. But will you pay more money to exchange your phone against a phone with cable less earphones? or just for a marginal difference in screen quality? at least i won’t.

Here is a list i have compiled of the features for which i may change my phone in future. I believe majority of the people will do same.

An ever Lasting battery: Carrying additional power banks is not a smart solution. I expect the phone battery to last for weeks and months without getting charged and also to get charged with some of the eco friendly energy sources like solar cells and body movements.


Dual display and transparent displays: See the photographs which already show how interesting and productive it would be to have displays on both the sides of the phone. Having a transparent display will bring a next design revolution.

Transparent & Dual side display Phone

The all new OS: Before 12 years it was hard to predict that there will be any OS in the market ever which can challenge the dominance of Windows. As mobile revolution picked up the momentum, new operating systems like Android and iOS not only emerged but ruled at least the mobile telephony segments. important fact to note is replacement of PC and laptop market by Phone and tablets is under progress. Apple’s Mac is getting popular and more stable and User friendly versions of Linux are coming out. Under all these pressure, Microsoft has lost a significant ground in OS space of digital devices.

Mobile OS

But…. But for how long Android and iOS will rule the market? IOT and virtual reality bring opportunity of all new OSes to disrupt the market share of Android and iOS. A fresh change is very much required even for the mobile devices market to grow further.

Water proofing: There are two perspectives here. People would safeguard their phones against water rather spending additional amount for a water resistant phone. But yes would replace their existing phone with additional amount against a guaranteed water proofing of phone. After all for decades we have been striving for Rain and underwater photography. There are already few devices available but a lot is required tobe done further.

Waterproof smartphone

Personalized and Customized Designs: Gone are the days where I would put a sticker over the back of a phone or will have a customized phone case. See some of the photos and you will love spending money, if you receive the design different than your group.

Nokia-Smart-Design-PhonesPhilipes Smart Design Phone LG Smart Design Phone

Projector: Few devices got introduced with an inbuilt projector but the market is widely uncovered yet as none of the main stream brands offer that. Indeed it can be a great functionality for professional and personal use.

Projector Phone
3D and Holographic screens: Enough now for screen size and retina displays and HD resolution. Please come out with this 3D screens.

3D Phone
Sensors: There will be several billion connected devices in this world by 2020. More sensors inside my mobile phone will ease the life and connectivity.

I am sure you also want to spend an additional amount only if you get something worth spending for. Whats that? Write in the comments bellow.

P.S.: Images used from google image search. Thanks to all those known and unknown sites.

How Education and Entrepreneurship will help us getting benefits of Automation and Robotics in coming years

Advancement of technology and automation puts a threat on jobs of people. And same is now happening with advancement of deep learning and machine learning. In coming years’ noise and protest is going to get intense due to increased automation and robotics into various industries and sectors.

But historically technology has created far more jobs than it ate.

1) Were there any jobs related to programming before 60 years? Today computer software industry employ more than 10 million people around the world.
2) The Mobile communication industry employ almost same number of people and far more in scattered unorganized sectors of repairs, spares and accessories.
3) The clothing industry is being considered giving more than 100 million jobs globally
4) Advancement in construction technology has bought employment for more than 600 million people globally.

And cases go on. But still almost since the beginning of industrial revolution in 19th century, we have been seeing protest against the technology and automation. And there is no sign of it ending anyhow.

Job Creation due to Technology
Advancement of technology reduces prices of goods and eventually will increase the demand, hence production and hence jobs. Technology supports job creation as well. Like technology advancement in lights has brighten this world at much cheaper cost which has helped increasing jobs and productivity.

Job Loss or Skill Shift?
Humans and animals keep getting and losing their jobs quite frequently. Starting from the 19th Century this world has seen many revolts and violence on the matter of job loss due to technology advancement. Bullocks and horses lost their jobs of ploughing the farm since introduction of tractors.

Excuse-me! who made the tractors in factories? As per the data the Technology into agriculture has created far more jobs in machines, food processing and marketing of farm produce compared to the number of farmers who lost their jobs.

So evidently when technology destroys a job it creates new job somewhere else with requirement of different skill set.

Wealth creates even more jobs
As per the data published in Guardian, there were less than 45,000 hairdressers in USA in 1911. After 100 years, there were almost 1,90,000 hairdressers. how come this growth happen? For many people technology, has created more wealth and saved time to be spent behind personal grooming.

And likewise, the additional wealth and time have created millions of jobs in the domains of travel, food, grooming, fashion, retail and entertainment sectors.

So, shouldn’t we afraid of Automation?
Not required to be afraid of but yes, we need to be advanced in our thoughts as well or else we may really loose our jobs.

Two things we can do to live in a better future with technology helping us doing so.

Keep updating our educational institutes to prepare people for future skills to take up the newly coming jobs.

We need a breed of people who keep researching on various opportunities of creating more jobs. We call them entrepreneurs.

Economic Reforms to Make In India – This man deserves his part of Credit


I was a kid in 1991 when P V Narsimha Rao became Prime Minister of India. Unaware of what a prime minister is and unaware of political system I was used to laugh at him for his look and oratory. By 1995 I have started understanding the stuff a bit and I precisely remember that 13 day government of Atal Bihari Vajpayee. India has seen two prime ministers after that and I would say that was the time I started understanding the technicalities of voting, parties and forming governments. How come a person like Narsimha Rao could remain as PM for full term if not all these people including Vajpayee? A question I had in those days. I was a teen having patriotism at its height like almost every other Indian when in 1998 India tested its nuclear weapons. Seeing Missileman APJ Abdul Kalam as President of India and reading the stories of India’s weapon development program was a charm. When i was seeing the roads getting developed under PM Vajpayee’s government it was like dreams being built. I never could understood how hard it was to start a business before 15 years when I started mine in year 2004.

Human history is actually the accumulated impact of several people’s action and decision. You never can understand how much impact your presence do have from a person or action from past. Could have Vajpayee tested those nuclear weapons? Could have Mulayamsingh as defence minister remained present in many missile tests India did? Could i have started a business as easily as i could? Could Narendra Modi launch a campaign of Make in India? Had there been not PV Narasimha Rao as our prime minister…..

These questions i have raised and self answered only after reading the book “Half Lion” written by Vinay Sitapati. I do question very few of the points in book but it’s a wonderful political account of a man who never got credit of his part. The book touches almost all aspects of this man who has been removed from the chronicles of the Congress Party completely.

If the text of the book tobe believed, Vinay has done a great service to the nation and specially to PV Narasimha Roa by uncovering this Hero out of dust of political games.

In 2015 Modi Government has got constructed and inaugurated the Memorial of this man after 10 years of his death. India has seen 26 years now and has gone through a long way started with “Economic Reforms” to “Make in India” today. And yes PV Narasimha Rao deserves his part of credit.

Quotes and Statements on Customers and Customer Importance

A business survives if customer is there. Customers are being considered as the King for any businesses and a lot of Management experts, thinkers and business leaders have defined importance of customers and customer service in their own way. Here is a compilation of all such top 10 Quotes and statements I personally like.

A customer is the most important visitor on our premises, he is not dependent on us. We are dependent on him. He is not an interruption in our work. He is the purpose of it. He is not an outsider in our business. He is part of it. We are not doing him a favor by serving him. He is doing us a favor by giving us an opportunity to do so.

Mahatma Gandhi

Make a customer, not a Sale. – Katherine Barchetti
A customer who complains is my best friend. – Stew Leonard
A customer is the only one who can fire us all. – Sam Walton
Never underestimate the power of an irate Customer. – Joel E Ross and Michael J Kami
If we are not customer drive, ours cars won’t be either. – Ford Motor
Good customer service costs less than bad customer service. – Sally Gronow
The Best companies dont create customers, they create fans. – Ken Blanchard
In the world of Internet Customer Service, it’s important to remember your competitor is only one mouse click away. – Doug Warner
There are no traffic jams along the extra mile. – Roger Staubach

Shapath Lena to Saral hain…. How Winners make difference

शपथ लेना तो सरल है
पर निभाना ही कठिन है।
साधना का पथ कठिन है
साधना का पथ कठिन॥

शलभ बन जलना सरल है
प्रेम की जलती शिखा पर।
स्वयं को तिल-तिल जलाकर
दीप बनना ही कठिन है ॥१॥

है अचेतन जो युगों से
लहर के अनुकूल बहते
साथ बहना है सरल
प्रतिकूल बहना ही कठिन है ॥२॥

ठोकरें खाकर नियति की
युगों से जी रहा मानव।
है सरल आँसू बहना
मुस्काना ही कठिन है ॥३॥

तप-तपस्या के सहारे
इन्द्र बनना तो सरल है।
स्वर्ग का ऐश्वर्य पाकर
मद भुलाना ही कठिन है ॥४॥

Option 1) It is very easy to find a way forward for ourselves in the darkness. It costs few seconds.
Option 2) Removing the darkness and spread the light which will help all others, needs A LOT OF GUTS, SKILLS AND COURAGE TO MAKE A CHANGE

Option 1) Going outside for breakfast with a dissatisfaction with quality/ quantity is very easy. It costs just few bucks.
Option 2) But correcting the breakfast system inside takes A LOT OF GUTS, SKILLS AND COURAGE TO MAKE A CHANGE

Option 1) When someone is dissatisfied it is very very easy to boost that dissatisfaction saying “Yes you are right and should be like that only”. It costs just few seconds and words
Option 2) Maintaining the integrity of organisation and correcting the system which causes that is real challenge, because it needs A LOT OF GUTS, SKILLS AND COURAGE TO MAKE A CHANGE

Winners take 2.

Totto Chan – The Little Girl at the Window, Book extract

Recently i have finished reading Totto Chan a master piece book in the domain of education. The book is written by Tetsuko Kuroyanagi, a famous television start from Japan. Just in a year of launch more than 5 millions copies got sold in Japan and millions of copies are sold till date in more than 50 languages around the world. The book is about her experiences learning at an unconventional school named Tomoe Gakuen. After reading the book the only feeling I had was a wish to have hundreds and thousands of Tomoe and Mr Kobayashi – the founder and principal of the school. This wonderful gem got distroyed during second world war.
Here are the excerpts from the book.

  • A child if does any mischief would be because of her curiosity and excitement about the new stuff. It would be of temporary nature and would be corrected automatically. Our job is not to control that behaviour but to observe and find ways to satisfy the curiosity.
  • A child wants to talk with you. Motivate them and give enough time to talk and ask questions. Complete growth of a child depends on how many questions they ask and how many you can answer well.
  • Teacher in morning can provide a list of things tobe done and and let students choose whatever they want to start with. Teacher observes the activities and finds further interest of child and helps them grow that while cultivating other interests too.  All Tasks tobe finished on that day but students can decide the order without a daily time table.
  • Songs and stories are very important for children. Anything you want to teach them and instruct them should be conveyed in form a sweet song or a story.
  • Let child work amongst them selves and let them be in nature. It will help them learn better and faster.
  • Let child do whatever they do. Teacher and parents are to observe only.
  • Let child experience everything they can. Construction, Chemicals, Travel, Industries, illness and etc.
  • To remove the fear let them be amongst the fear
  • Provide a platform so thy can be in communication and work relation with people of different kind and different nature.
  • Music is very important to learn for children and eurythmics and Lazim, can be a great tool for overall growth of children.
  • A Child should understand life death and care. Let them be amongst live of plants, pets and humans. This builds emotional intelligence.
  • Children will make cloths dirty and will torn them as well. Don’t make this an issue and let them enjoy that.
  • Motivate child for public communication.
  • Child should have a sense of earning. They may win a vegitable as gift for great performance and when all at home eat that, it would be a different feeling.
  • Train child to become global citizen, to accept all nationality and religion.
  • Have plenty of tours and picnics so child can have many interactions.
  • Books are very important for everyone. Cultivate habit of reading.
  • Train for agriculture, farming and gardening. Show them how food grows and how new lives takes place.
  • Teach to cook food occasionally, specially in group.
  • Teach them to cleaning their rooms, toilets, class rooms etc.

End of Reading Challenge 2015


Book Titles3The reading challenge of the year is about to end. I want to remind that reading challenge was about to read at least 12 books with around 3600 pages in total. The year is ending and I have finished my reading challenge and surpassed the page target by almost 40%. Apart from books several magazines also contribute into this number.

Here is a brief overview what I read in the year along with my recommendation. This is just a partial list and does not cover every book I read in this year.

1) The corner office: A fiction on dirty games of corporate world. I would prefer to watch movie Corporate rather reading this.

2) Sahara The untold story: Why Subrato Roy is in Jail? this question is almost as mind boggling as “Why Katappa killed bahubali” lolzz. Though the book doesn’t answer it exactly but at least convinces us that there is no specific answer of this question. It epilogues the the events finely and aspiring professionals and fresh managers should read this book to understand the importance of values and business best practices.

3) How google works: A great book written by great leader of google Eric Schmidt. The book allows you to look inside the famous google culture. Startups should read it.

4) The day I stopped drinking milk: Sudha Murthy is once again fantabulous with this book. More than anything else she is a great story teller and this book doesn’t let you put it off unfinished. Good read for everyone.

5) The Best place to work: Ron Friedman has done research on work environment, working patterns, disciplines and organizational cultures of some of the famous organizations of silicon valley. He has compiled this book with his findings. Interesting read for HR people.

6) Symphony of Krishna: I had read Gujarati version of this book written by Gunavant Shah. The book is actually his critics on Bhagvad Gita. Though good, there are multiple other options as well on same subject.

7) Jay Somnath: K M Munshi the famous historian, author, political leader and teacher has written Jay Somnath on the event of Muhamad of Gazani’s attack on Somnath temple. Consider yourself anything but not Indian if this book does not increase the force of blood, tears and shame in your eyes. MUST read.

8) Glass is Half Full: A very small collection of sweet memories and stories about professional life of the author. This fast and witty read would be available only in AMA book store at Ahmedabad I guess.

9) Leadership:  A collection of quotes, stories, case and incidents on leadership by Mukesh Patel. Again a Publication of Ahmedabad Management Association (AMA).

10) How google tests software: I strongly recommend this book to every young technology graduate entering in to the world of programming and software. It helps you learn how could google launch such exponential number of products with extreme quality standards. This may help every programmer become fundamentally better.

11) The everything store: The story of how Amazon and jeff bezos has evolved in last almost 20 years. Have a very quick view on this book if you are really interested. As far as corporate learning is considered, you can skip this.

12) Market your way to growth: The Kotler “baba” is back with this book and as like every of his past Marketing books he leaves you full of thoughts. Great!

13) Zero to One: An all time great book on startups, entrepreneurship and business. I don’t think it needs any review as I would be amongst the last chunk of readers of this book.

14) Richest many in Babylon: Age old book on financial wisdom. It is something like Panchatantra and Hitopdesh we do have in India. Author has formed stories of babylon to teach best practices to stay financially healthy. Good for young graduates.

15) Malti Madhav: Malti madahv is Sanskrit fiction written by Bhavbhuti before almost 1300 years. This helps you understanding the human psychology, and timeless principals of love, hate and politics. Refreshes you.

16) Yugdrashta: The Marathi writer B D Kher has written this book in a form of story on the life of Chanakya. The man him self is a fascinating personality and book helps you understanding his life and views in better way. In fact it motivates a lot. I must admit that this book only has prepared me for my Bangalore stints!

17) 64 Summar Hill: A sizable novel written by Dhaivat Trivedi and same was published in local news paper as a weekly series. I have heard praise for this book from several people and indeed it deserves same. But typically not a book of my taste.

Thus is end of my reading challenge of this year. Preparing for the 2016. Stay tuned!

10 Things you should do before being a Professional (Do these as Student)

Though education is a never ending process and one should remain a student for life, actual student life for everyone ends anywhere between 20 and 26. Yes 30 is too old but in few courses it happens. Core focus of our education is always the grades and marks. We start learning the lessons of life once we come out from university and actually go into the professional world. In my career i have seen students or freshers not knowing things like

  1. How to take print outs from a word document
  2. How to save a PDF file from internet and bring it to a different PC
  3. Counting a bundle of notes of mix denomination
  4. Depositing their first salary check in to the bank
  5. Getting beans sprouted for next day breakfast
  6. Formatting a computer

This proves our Education has prepared us for university exams but not for life. There are several other things which educates us for life and i recommend teenagers and youngsters doing these as early as possible in their lives. You would never get a chance to do majority of these things after student life.

Here is my list of 10 things every student and fresh graduate must accomplish before they enter the professional career.

1) Work long hours and nights

Work life balance is just a sweet phrase and a bitter lie, specially for achievers. You have a lot of free time with almost zero responsibility. Put up your consistent 24 hours, 34 hours or 40 hours for something, some interesting project or activity without sleeping breaks (Mind your health as well). Do it at least 2 times in a quarter. Increase your limits, increase your efficiency. Build a desire to “Finish” something and feel satisfied with that. This will actually help having some work life balance later in the life when you have a spouse and kids to share your time with.

2) Talk in Public

Yes communication and public speaking is essential for corporate growth and i have seen hundreds and thousands of aspiring professionals struggling with this, hence with their career. It is very easy to get a chance to speak in public as a student. You have several options like college functions, class talks, competitions, project presentations and discussions within your own groups. Be courageous and build some guts of public speaking at this age. There would be too little chance to learn this essential corporate skill in corporate world.

3) Visit companies and people

Do you if any company in this world will let you enter their shop floor while you are working as a software engineer with some different company? absolutely not, but as a student you have that privilege to get through the scrutiny and see various factories, companies, offices and institutions. You can absolutely start this with organization where your parents work. Go inside,  meet people, see those giant machines and understand the processes. Interact with professionals not only of your domain of interest or education but with all others. try to meet few good doctors, few architects, supervisors of factories and software test engineers of IT company. this will broaden your vision and help you making better career decision. Yes only thing you need to learn prior is better human antiquates and skill of asking right questions.

4) Do Jobs, Projects and Training with industries

Being an Intern is a matter of pride and working on various projects with or without any payment is a great way to learn. Again you should diversify your training experience starting from a cake shop to a restaurant to a factory to an accounting firm to a software company to a great startup like Milople to a huge organization like Google. Everyone will help you for sure if your behavior is polite, you are sincerely committed to your work and your intentions are good for being there.

5) Getting fired

I have fired fresh graduates sometimes and learnt that getting fired is an important event in life. I have observed people getting fired in one job doing very well in their next job. Because they have learnt “What not to do” at profession. Be it a performance issue or behavioral one, getting fired should be considered as a lesson with punishment, which otherwise you might not learn. So if you are getting fired, thank god for this and learn everything you need to learn here. Yes this should not happen second time ever in life!

6) Managing Accounts of Time

Be it money or time, managing accounts of everything helps you tracking how you actually use (and misuse) your valuable resources. You should keep a book or app in which you can write about your usage of time and money and make totals everyday. Build a spirit to improve it on everyday bases. This may make you most productive person from the day one of your professional career.

7) Be an expert

Start with smallest thing like sweeping your room and expand it to anything like repairing a complex wrist watch. Be an EXPERT of something. There are hundreds and thousands of functions in this world tobe entertained and you should start being an expert of many things right away. Be an expert in cleaning the home, preparing garden, repairing bicycle, algebra, graph theory, machine drawing, shopping from streets, preparing breakfasts, designing web sites and making mobile applications. Anything but many things of your choice.

7) Cultivate many hobbies

Having hobbies is good and being an expert is superior but being a student you have more options to do at this age. You are not yet fixed into a professional discipline and hobbies will give you closer view of many disciplines and identify your real talent. Don’t limit yourself to one or two but expand your hobbies and get interest at least for sometime even if it doesn’t interest you at all. Gardening, sports, swimming, chess, painting, making movies, photography, playing flute, learning new languages. There are many.

8) Be a backpacker

Being a backpacker and wondering the streets of unknown places is a ultimate teacher. We have very very little or tends to zero awareness in India for this but I feel one of the main reasons of success of western countries is backpacking culture of their people. Arrange for your own expenses. be in group or be alone and leave the home for sometime anywhere between 1 to 4 months. Yes travel is a costly stuff but you can make it cheapest. Travel by general class of train, leave in Dharmashalas, Eat beans and vegitables, walk 10-15 kilometres everyday in the city, these are all the ways to save a lot while travel a lot. Nothing will prepare you for life better than this. Believe me this is something I regret most for not doing in my life at student age. This I realized during my early days at Banaglore.

9) Reading

Apart from your studies, you should read a lot of other stuff. Cultivate the habit of reading a daily newspaper first. Go for magazines and books then. By any means you should spend an hour every day for reading new things. Books, magazines and authors I strongly recommend to read at early life are

  1. Shreemad Bhagvad Git. Dont chant, read and try to understand.
  2. Biography of Swami Vivekanand and at least 5 other people
  3. Safari magazine which comes in Gujarati and English language
  4. A magazine or Blog of your domain of education
  5. Few books on Indian history
  6. Chanakya, Savarkar, Shivaji, Mahatma Gandhi, Sardar Patel, K M Munshi, APJ Kalam
  7. Robin Sharma, Warren Buffet, Dipak Chopra, Joseph Murphy amongst International authors
  8. Stories of organizations like Tata, Google, Apple, TCS, Amazon

10) Educate others

You should learn lessons from social and charity work specially by educating someone. This passes knowledge to next level and helps you improving your communication, having empathy being a good manager and a future leader.

I wish if we can have many students trying to accomplish all these during early life when they are students. This will not only help them kick starting their career well but also help us building a better society and stronger country.

Though there are several other things you can do as student, my list covers 10 most important things as per my knowledge and beliefs. One can suggest more new topics as well as discuss the points I have written in comment section bellow.

All the Best!