kajal majhi, cute smile of boy , college going boy
that smile to hide the sorrows 
The last two years in college had been so nice and enjoyed as well as learnt a lot of things with friends, great faculties,  as well as the people around there and the days were awesome until the semester break end up with the beginning of final year of graduation .
It was not like the first day of college life that I was excited because , a new life was going to start  with new people and a new learning environment. But, now its little different , it’s the first day of final year of graduation . Today everyone were treating me like damn senior , teachers were speaking so frankly and only few classes  where I have nothing to do other than staring at the boring lectures . I never have had dream  that someday I have to face a moment like  this where everybody will treat me so seriously  and so I am still thinking that ‘What I am going to face during my post graduation?”

Institutes remain with us till our ends, I will add the names of all the institutes in my resume. I have limited time to enjoy all these and I will spend the best of my time with friends, teachers , library, canteens and the college campus  because soon it is going to be a part of my history. But each and every moments I spend there will be cherished forever by me until my end.

It is the time to become serious because, a barricades of war ahead, a lot to learn , a lot to do and a lot to explore… 

Friends wala selfie 

Blog anniversary, cursive handwriting, writing with fountain pen

This post marks the 4th anniversary of this blog. I have never celebrated my blog anniversary before but today I should celebrate, because it deserves . Well, I am extremely thankful to all my readers who spends their time to read my posts, subscribers who seeks  my blog posts in their inbox but, I know I make my subscribers fell down because I don’t blog frequently . And a great thank you to those who drops comments ,which really inspire me and brings a charming smile on my tough cheeks . A special thanks to major search engines such as Google, Bing and Yahoo who sends most of the traffic to my blog.

I was aware of blogging since I was 16 , but I didn’t have the ability to write anything or may be I did not give a try to write myself so I started few blogs on “shayari” and “jokes” where I use to copy and paste contents from different  blogs and websites and soon my blogs was banned . Then my Dad got transferred here and this place was so new and weird for me, I was in class XI’ and  I didn’t have so much of friends , so after getting back from school I used to spend my entire time on computer and fortunately  I saw someone’s blog on her personal life , it was written very beautiful with splendid pictures . I thought , why don’t I start a blog like this and I will to write myself as much I can ?

So on 10th August 2010 I setup my blog and my first post was About me , you can see how poor my English was even more than now. I really did not have any idea what to blog about, I started to write whatever I can, sometime I use to see others’ blog to check what do they write about but everything  bounced over my mind.Then I joined different blogging community such as indiBlogger , Blogadda amd BlogEngage  etc where I got many topics and contests to write, which has really motivated me to write more and more. When I get the prizes in my hand I fell the extreme of  joy  that can’t be express in any words .

I have to learn a lot, a lot to explore and a lot to write. My biggest dream is to publish a book on encouragement and inspiration of people. Thank you all .

Modern banking has make our life easy in all the way, well lets take a flash back to nine or 10  years, when internet banking was not been adopted by every banks and every people ,  we had to cancel our all other plans of the day just to stand in queue for hours to deposit , withdraw and transfer of cash,  it was the day when we had to think twice that if we do not have any other work to do before stepping out for bank.

From the last few years online banking has changed our life, it saves our time, hassles free  and effective. As internet is growing much bigger and bigger every day we are hopping into its’ different stuffs  much more in which social networking is our first priority where we spend most of our valuable time online . let hold this topic for a while. 

                          We all need financial tools and benefits and for that having a bank account is mandatory for now a days but, opening a bank account is usually an another hectic. Grab lots of documents to prove your identity that who you are, grab some more documents to prove your address that where do you live in this planet and next verify those documents from an government officers and blah!, but why we are using  all these traditional methods? 
Now lets get back to the above point where I said to hold, as I told we spend lots of our time online in the social networking sites, there are lots of people too who knows me, I have an identification there too and also my address , so why don’t we use our social networking ids to open a bank account? No more hassle of documents, first get your account, then submit your documents when you have enough time, and  you can get all the benefits of banks isn’t it? But don’t worry , now you can actually open a bank account with Kotak Jifi just in three steps using your social ids , isn’t it exciting?  I myself has got surprised when I heard about this for the first time.

Its just like my dreams , a modern banking system in which you can enjoy all the banking features  with just your social account. Isnt it fun and exciting? You don’t have to sigin into your separate online account to manage you banking work , now you can do those things in the same time you are tweeting your friends and family.   
 Not only this ,Kotak jifi has some more exciting features that you can enjoy. You can operate your jifi account, with your Facebook or Twitter account , you can add your friends in your jifi group, every time you refer your friends you will earn points which can be redeem in numerous way. Some more exciting features and facilities for Kotak jifi below:

In a normal bank account you have to maintain a minimum balance but in Kotak Jifi you don’t need to maintain any minimum balance to enjoy its’ features like platinum debit card,  loyalty club rewards etc.

This is what I was dreaming of from last few years. With social banking features you can get instant updates of your bank account such as transactions, notifications etc. You need to connect your twitter account with Jifi dashboard to access this feature. You can do lot of things such as balance enquiry, last three transcation, bank statement of last month, request a new cheque book, find nearest ATM , reward points and much with this just by a tweet with a hashtags. To know all the required hashtags for different functions Click here.

It is fun, Let your friends know about Kotak jifi , you can invite him/her by using your Facebook account, he will receive a invitation link. When he will join the Jifi group you will earn rewards points which can be redeem in many ways. Every time your friends will create Jifi accounts through your invitation link, you will earn 250 rewards points for each referral and each point worth Rs: 1. Isn’t it exciting?

The rewards points that you have accumulated now you can redeem them for movies, lifestyle products and much more, You can do this from Redeem tab in dashboard. Even you can share your reward points with any friends within your jifi group. Apart from referring friends there are many social ways to fetch you social points such as by hitting likes and putting comments in Kotak Jifi official Facebook page.

Are you an apps addicted?  Install the app and  get the features of almost everything that you can do with internet banking such as you can pay bills,  review account details, locate nearest atm and bank branches, term deposits and much more.  Kotak have also an offers app which enables you to get updates on different offers on lifestyle and personal products, dinning, furniture and so on.  They works on iOS , Blackberry, and Android .
Download the Kotak banking app from here and offer app from here.

Are you so curious about monitoring the financial logs of your account? Don’t worry you can do that with Kotak MoneyWatch , which consists all the financial tools which are required to monitor your all online bank accounts. It automatically connects to all your online account to calculate your net worth,  you can forward the e-statement, it can generate thirty reports profit and loss as well as it will alert for your monthly bills such as electricity, gas, water, internet etc. It will automatically calculate your annual tax amount . So simple in one line “A 360 degree view of your online accounts”

Who is not familiar of platinum debit card? The word “platinum” in the term of banking means a lot isn’t it? With this international platinum debut card you can enjoy daily shopping upto  Rs 2 lakhs .  It has the air accident insurance of Rs 20 lakhs and lost baggage insurance of Rs 1 lakh and much more.

So how do you get started with Kotak Jifi? 
Once you have got invited you are ready to get started with your Facebook account. You can get a Kotak Jifi account in just three steps. Fill the form, get the account number , Fund your account and get activated. Connect your twitter account to enjoy all the banking features with just one tweet. Visit www.kotakjifi.com  for more details and get started.

This post is the part of “Jifi is here” blogging contest held at Indiblogger.in by Kotak Mahindra Bank.