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Guruji, kaun kaunsi naukri kharab hai ye to bata de rahe ho aap, ab aap ye batao ki naukariyo me sabse best naukri kaunsi hai, jisme minimum suffering ho
Dear sir Atleast in government jobs people have job security. Obviously they have to do target in order to generate fee based income. Otherwise how the banks will earn profit. How are the employees going to get increament or promotions. On the other hand in private bank , there is no job security. There is no timing to go at home. In the morning we face morning huddle . Get to hear so many insulting words. After completing targets as well everyday we go through the tension of loosing jobs. So please do not compare govt jobs with private jobs. Because the work culture in private companies is way more toxic. Atleast in covid era , no govt employee got fired from their job like us. I lost my job in covid because of non meeting my target. You are misleading the youths. Selling life insurance products , health insurance products , mutual funds and bringing CASA accounts gives revenue for banks. Because everyone wants promotion in govt job but at the end of the dame they have to put their efforts. Please do not compare these govt employees with us bcz we don't have job security even after completing our targets as well.
I am a credit officer in SBI. I am speaking here on behalf of many young bankers who will leave banks, moment they get opportunity somewhere else. We all don't want to work in SBI for a day. We all are preparing for starting our own business or other job. Work culture of PSB is very toxic now a days.
It's not true if it was there would not be such competition for jobs , private jobs are worse. You don't have to deal with job insecurity and salary is very good at banks.
1. Toxic work culture in banks. 2. Third-class HR policies , outstation , Outside India, LTA, Medecal 3. Frequent transfers 4. Unrealistic targets. 5. No work-life balance - They ask enter Covid to go office 6. Work on holidays plus late sitting every day - 6 days office 7. High financial accountability - if you duffult one loan 8) NPS pension - 9) 70K salary after 10 years... hence you dont see Big city people not in PSU bank .. all Bihar Jharkhand... people
POINT NO 9 GALAT BOL DIYA. THODA AWARE HOKAR LIKHA KARO. AGAR CLERK MAI HO TOH SAMAJH SAKTE 70K AFTER 10 YEARS PAR AAPKO APNA STATE BHI NAHI CHODANA PADTA USMEIN.
Hats Off to you sir. Every word of yours is absolutely true. You have just nailed it. I too fell in the trap of the PSU Bank job. This job isn’t for people who are brought up in metros. No respect for merit. Only boot lickers progress. Even worse, superiors and colleagues who are from smaller towns burn with jealousy and they do everything they can to stop u from progressing. I have resigned from my job after I wasted a decade of my life in this toxic job !
Sir I am also a banker for last ten years..I m not satisfied with my current role in bank.If I quit now what opportunities are available for me.Please guide.
You are absolutely right. I was working with Bank of Baroda from past 7 years as SCALE I officer. Every single day was like a hell and survival was extremely difficult and work culture was getting worst day by day. I was so much frustrated. Finally I left the Job and joined IT in Jan 2024. I left my job without any job in hand, I was married and 2 kids of 1 month. My salary was 1 lakh/month. It was very tough decision I was on psych consultation for 1 month. But by god's grace I got job within 1 month. During 1 month of unemployment I realized the importance of job. One mistake that I did was I stopped respecting my bank job, because of which I was living the life and it was putting food on plate. So respect your job and keep trying for better options.
😂 The reality of metro cities is you can't afford education for your children if you want , you can't afford to change cars & mobile phones you can't even breath Healthy Air 😂😂 Delhi , Mumbai etc ! But if you are 22-23 yo and good In studies and want a healthy life go for IBPS & SBI jobs ! The first reason my brother is just married this year at the age 31 and he is working as AGM in PNB ! His salary is around 20LPA (with allowance) but he receives more than just that ! Last year after his promotion he got posted in our home town & before that he was in LKO ! Currently he owns a Fortuner legender , MT15 & Vespa ! 😂😂 Sale ko dahej Mila 50 lakh , Iss saal Ghar kharida hai apna 5000 sqft ka ! Tab btao guys agar aapko thoda sa pressure lena hi pade itne sab k liye to or kya chahiye... . Banda har mahine ka 50 hjar kharchta hai uske baad b 1 lakh bacha leta hai... 😅😅😅 31 ka hai abhi vo itni age me IIT & IIMs ko hata de to shyad hi koi aapko esa package dilwa pae .... . Kisi uncle k chakkar me na pado . Uncle is light hearted if you went through the streets you know ki easy kuch b nhi hai life me!! . Aaj ki date pe agar aap IIT & IIM se nhi ho to aap kachra ho.. 50-60 ki naukari milegi or 10 ghante aapko Dena padega 😂 uske baad agar aap apne home town me job nhi pate hoto rent b usi salary se doge... Aapki job ki koi security nahi aapki koi ijjat nhi aap ko logo ka gussa jhelna hoga office me just bcz vo aapko naukari se na nikal de . . But aapko kya lagta hai Govt. Officer esa sehte honge ?? 😂😂😂 Ji nahi vaha bas aapko promotion nhi milega baki aap mar lo apne head ki uske paas aapke against koi authority nhi hai ... He is just like you... Baki jinpe authority hoti hai vo malai khane me busy hote hain unko itna fursat nhi hai ki aapko aake date kyunki aapne apne senior ki baat nhi mani.. 😂😂😂😂😂 . . Think rational 😜 Govt job ho ya private agar aap pinky boi hain to fir aapki har jagah li jaegi.. So on that note Jo marji chose Karo sare sector achhe Hain agar aapka dimag strong hai or aapke Vo Karizma hai ki aap logo ko apne personality se , behaviour, looks ya intelligence se attract kar sakte hain to aap kisi b sector me Successful rahoge... . Baki agar aapko easy life + Lots of Money & Plenty of time to spend with family or vo b without any Academic Baggage chahiye to go for SBI , IBPS , SSC CGL , UPSC & RBI !! . . Baki uncle ji bol rhe hain vo RRB k liye apply hota hai baki agar aap smart hoto aap smjh sakte ho aaj se 8-10 saal me Jo choti jagah hain vaha ki lifestyle far far better hogi aapke so called metro city se... Delhi , Bangalore & Mumbai etc are over populated & with every passing day becoming more polluted , it's hard to stay healthy there ! Not just that crime rates are already at their peak people don't bother helping others because they don't really trust each other, Water scarcity is rising! & if you want a really good education for your child you need to pay 5-6 lakhs per year !! Or you'll get the same cheap quality of education in metro cities!! . . To agar uncle aapko 2-3 Lacs per month promise karte ho to aap jarur inki baten sune warna he is simply misleading you guys ! Ek to aap vese quit karne ka sochte rhte ho upar se uncle aapko or motivate kar de rhe hain.. ese to aap bhid Kam kar doge... !! Anyways jesa aap ko thik Lage but mene apna openion dediya ye video dekhne k baad bcs mujhe esa laga ki inki baten bas 5-10% logo pe apply hoti hain 90% bankers are living a happy life ! And rhi bat rural postings ki to bhai local Banda 10-15 lakh deke apna place leta hai to itna easy nhi hai rural branch milna sabko... 50% logo ko smart cities or metro cities milta hai baki.. ko tier 2 & 3 cities 😂 Khud socho agar tum 22-23 pe PO ban jate ho.. 73k around in hand aayegi.. (with allowance) rehne ka dena nahi hai.. medical ka dena nhi hai.. tel ka dena nhi hai sab govt dekh rhi hai.. 70 hjar me kitna kha loge be tier 2&3 City me.. .har condition me 50 Bach jaega bro on an average 😂😂😂 Sasti cities me Jamin sasti vaha tum jab tak 29-30 k hoge tab tak crorepati ban jaoge... Ghar gadi Sona Chandi health wealth 🤑 sab hoga tumpe.. vo bhi bina tumhari degree dekhe... 😂😂😂 Khud socho Konsi private company tumko 1 lakh in hand ka pakage degi... Govt de rhi hai.. 75k (after 17% hike in SBI) + (27k accomodation) 1.02 lakh ka pakage 😂😂😂 Iske baad life time simple interest pe loan ! Or upar ka paisa to pucho mat.. Ghar pariwar dost yaar samaj har jagah ijjat , badle me aapko office me active rehna hoga 8-10 ghante... 7-8 saal me aap CBM tak pohoch jaoge.. Uske baad aap promotion lo hi mat.. ek hi City me raho life time .. Kyun nhi biwi aayegi.. Fortuner se lene jaaoge to.. 😂 Kyun nhi rhegi jab seher sabse best school me apne bachho ko daloge to.. aaj ki date me har City me ek na ek school esa hai jo aapke Delhi Mumbai k normal schools se 100 times better hai.. . . Kaise boss nhi manega jab har anniversary pe ghadi gift karoge.. !! 😂😂😂 Bro life me sab kuch ast vyast hai usko apne according banana padta hai.. kuch log chat k kaam nikalte or kuch Bina chate with strong personality kaam nikalte hain.. Baki chutiyr hi hote hain jo private ko compare b karte hain Govt se .. bcz 90 % private jobs are trash !! 10% me bhi Koi guarantee nhi ki tumhare boss ko kab tumhare jagah ek Gori chitti hot sub ordinate chahiye ho .. so just don't listen to this 60yo rich grandpa!! Ye itna hi gyanchand hota to tumko RUclips pe nhi Tumhare office seminar me gyan dera hota .. 😂😂😂 just avoid him
Sir,my brother is in SBI from last 10 years..he started his career from Cashier in 2013.yes he faced all the dificulties.but nodays he owns 2 crore house,car,currently in Delhi Central live in a porche society..initial 5-6. years were definitely struggle but you get a good reputation and money.non of my know from private job or business able to build own house at the age of 25.
Being a banker, 100 percent agree with what you said. 1. Toxic work culture in banks. 2. Third class HR policies 3. Frequent transfers 4. Unrealistic targets. 5. No work life balance 6. Work on holidays plus late sitting everyday 7. High financial accountability Ask a banker why he/she is doing the job? Reason being most bankers have availed loans more than they can afford so now they are stuck with nowhere to go!!! This is true reality of PSBs!!!!
😢... Tell me one thing before joining the PSU bank when u r preparing for the compititive exams ... didn't u ask any banker about the banking environment??...Didn't u know this obvious toxic culture or those unrealistic targets? .. .. .. then why were u preparing for this job at first place !! !!!?? ...
The culture wasn't the same when I joined more than a decade ago. This decade has been transformational on a bad side for PSUs. If you know any PSU banker around you, I would request you to talk to him/her. May be that'll help getting more clarity. 😊
@@seemapatil65i know all this cause i am also an AFO in canara bank joined 2 years back . I have one last question ... Why don't u just quit this job now .. cause i guess u must have accumulated a good amount of wealth from this job in this 1-1.5 decade .. Then just quit the job in next , 1-2 year and start a new business ... Or anything .
my dad is a government banker, and he has to do field trips to villages every week and has to go to courts. I am Konkani and I have traveled to Delhi, Moradabad, Noida, Mumbai, and Lucknow. It was so frustrating albeit I am used to a lot of cultures now. And my dad says banking is the worst job and told me to seek out private jobs. Fully agree with you, sir. The suspense surrounding the transfer is again brutal.
Medicine and Doctors is most toxic .. there is no weekly off.. 36 hours continuous duty without any time off.. have to report the next day.. BUT u will never talk about it.. u people say "oh yeah u have to sacrifice to be a doctor" .. do u know i cant afford PG seat..
My father was Asst gen manager in Union Bank of India and we moved with family from here to there, my father had rural posting 200km from Kolkata, his health suffered and I was not close to my father as he was most dedicated to work than family
I am a senior Manager working in a PSU Bank Since last 12 Years earning more than 1.00 Lakh , but what you said in this video is exactly 200% true. Currently I am looking for a job which can give me mental peace for which I can sacrifice my current package too.
Kya baat kar rahe ho. Police, Irrigation, Tax/Revenue related koi bhi government job aaram ki job hai no work pressure and package > 1 crore per annum @@SUGGUMUNMUN
What Guruji just said is 101% true ..i too joined SBI as a po and can unequivocally state that this is the worst job ever owing to its extremely toxic work culture, gigantc work load, inhumane transfer and HR policies and expectations of high level of sycophancy from the employees. Wouldn't be wrong to say that this Bank thrives on sucking the blood of its reasonably qualified employees and the poor illeterate customer in villages ( misselling insurance policies- need i say more? ) Don't get swayed by the profitability of SBI and save yourself the horror by not wastihg your time on such worthless jobs..
😢... Tell me one thing before joining the PSU bank when u r preparing for the compititive exams ... Didn't u know this obvious toxic banking culture or meeting those unrealistic targets? .. .. .. then why were u preparing for this job !!!?? ... Ok fine u didn't know about the toxic culture at that time ... But now u know this .. then why aren't u just quit the job and join any compny in private sector or start your own business ? I am also a banker .... AFO in canara bank .
@@outofthebox4652 this is what happens when people get things wrong the comment was intended for aspirants preparing for this jobs and not for the ones already in it. People like you are the same management jallads who will go to any extent to secure their promotion every successive year. And to answer your question I appeared for CAT last year ( 98.04percentile) and will appear for the same this year as well and will most likely bid goodbye to this place. But you sir continue doing the good work and be the flag bearer of such toxic work culture to pass it on to your generation too. We need more people like you😊
@@ronakagarwal8189 i m not defending the toxic banking culture ... I am just asking u why u have prepared for ibps exams at first .. when u did alrdy know that banking environment is the most disgusting environment in govt sector . !!? ... Thats my question .
Absolutely true sir PSU jobs are really stressful. Every word you spoke are true I am from reputed PSU bank and office politics and targets are the only things I can think all day.
Here goes.. I left SBI after selection within 2 years (PO) was the best decision of my life. People told me not to. Not even one person supported my decision except my gf (now beloved wife). Had fights at home. Even till date my family feels i did wrong. lol and hear this out, despite when i today work in the US as a software engineer(self learnt how to code and re-established my career from scratch). But This is the problem with indian middle class parents. They want sarkari naukri for their child even if he/she becomes the CEO of microsoft they dont give a damn. Specially north indian belt. South indians are smarter in that (majority). Same goes for even IAS PCS stuff. All noise no substance whatsoever. Until the average indian youth realises that subdued aspirations are a soul killer, nothing is going to improve for India. No demographic dividend will help the country. Even today there is no scope of experimentation and risk taking. And i totally agree with this video, if you hail from an extremely poor background it is completely ok. Sarkari jobs should be left for them to help their social cause and recognition. But funny part is, even the poshest of posh generation is competing for a seat in clerical exam of ibps and sbi. I have worked first hand and seen it. Anyone reading this, no matter what year, what date. If u are not coming from a seriously poor background and hail from a decent tier 2 town (aleast), then do not, i repeat, do not go for sarkari jobs in name of safety and recognition. Safety is a myth. Workload matches your private sector counterparts, salary is peanuts and you will live your life in disdain, trying to snatch small chunks of happiness whenever & wherever you can find from. If that is what you are all about. Then for sure go ahead. In the end, Life makes you reap what you sowed in peace.
I sought VRS from SBI when it was offered first time in SBI for officers & and have enjoyed life in Ahmedabad Gujarat as pensioner for the last 26 years after migrating from Punjab. You have spoken the truth prevailing in PSU banks!
Even if someone wants to join psu banks... My advice is to join as a clerk.. You can leave maximum by 5:30 pm... Initially after joining posting will be far from home.. But after 2-4 years you can return to to your hometown and if you don't take promotion you can remain there forever... Only downside is salary and perks will not be as much as officers... But there is a catch for that as well.. Marry another clerical staff and both don't take promotion 🙂... This is the best scenario if someone wants to be a psu banker.
I have already doing this ,not married but decided not to take promotion. I am in public insurance sector much better work life balance, salary and perks compare to PSBs and peaceful specifically in clerical cadre
I remember reading a news couple of years back where a widowed lady working in a PSU bank as a branch manager committed suicide inside her bank as she couldn't handle the extreme work pressure, abusive seniors and unrealistic targets, she left behind her two young children. People doesn't even have the courage to leave such jobs.
The it jobs even though hectic, kra is defined. But work definition is a joke. Earlier you are asked to sell insurance in one day, swanidhi in another, mudra campaign next day, recovery drive the day after. Today pressure is so immense that you need to do all the same day. Further your clerk and officer will be deputed to another branch No questions asked
@GyanPrabhakar-bt8dg If someone takes their life bcoz of work pressure anyone can image how toxic that environment would be. People commit suicide mainly when they lose hope and how can u justify if your job makes u feel stressed out, takes your peace of mind and pushes u into being suicidal? The amount of stress that one can handle definitely varies, but if you are unable to meet the expectation of a firm its better to move out. If u take ur life bcoz of ur job not even a single dog from your company will be bothered, another person will replace you soon. The loss is only for ur family.
Sir I prepared for PSUs for 2-3 years. I cleared a bank exam in 2016 and I got my posting in 2017 in a very small town. I am from a tier 2 city and it was very difficult for me to live in that small town. What all you said is 100% true. I worked from Monday to Saturday and on Sundays no one was there as all the staff had gone out of town to see their families. It was lonely there. Staff was not at all up to my caliber which made it even harder to survive there. I eventually quit the job in 2019 after a 2 year struggle. I would have quit after 6 months but my family insisted me to stay. But after so many years my family thinks it was a good decision I made. Now I am working as a freelancer. I work for myself and happy to be where I am.😊😊
As a PSU Banker, I can say that here only thing that matters is 4 quarters in a year... and your life will go downhills achieving those targets quarter on quarter, set by morons, who are actually doing nothing.. The Hindi proverb is- Roti banane wale se jyada, roti ginne wale baithe hain..😂😂
@@deepeshbajpai4423In clerical cadre, PSU bankers are getting more salary vis a vis private counterparts, but as you go up in ladder your salary would be very miniscule as compared to private counterparts and transfers are very harsh.
@@IpsitaMishra-j7ehis take is exactly same. That's why they feel better by knowing everyone is facing the same issue. I know cause I am doing the same😭😭
Sirjee pranaam. Aapne dukhti rag daba di bankrrs ki. I am a PSB employee in Gurgaon. And I am also your old subscriber. Whatever you said is all true. I have one request despite being your subscriber I am not able to attend 90% of your live sessions. Believe me sir full day I am so busy in bank that at times I get no time for even calling. My request to you is to please keep live sessions on Sundays or after 6 pm so that we bankers can also benifit from you
I'm an officer at a PSB, presently posted 1200km away from home, I'm from UP and posted at Telangana. All the things pointed out in the video are correct. There's no work-life balance, getting your leaves sanctioned is also a hurdle due to acute staff shortage at most places. The work is of a never-ending nature and the pressure is insane. Each year the number of resignations, people succumbing to serious diseases and even suicides are increasing manifolds.
I work in a state secretariat as a clerk and my net salary is 25k. Across the corridor is a PSU bank, since it is next door, I often go there and talk to them, they also do the same. I found out that some senior clerks there earn 50-60+ But those clerks don't get rest. Not a single minute. From 10:30am there's non stop customers in their bank. Same can be said about most of our staff as well, but for me, since I'm new, I don't have that much responsibility and live in peace.
100% True! I left my Bank job after 3 years. Job in city was super stressful and busy, had to work till 7pm non stop. In rural posting it was no work but very boring and stagnant overall, 1.5 hours commute through villages etc. Add cheap politics on top. I say my 58 year old Manager fell down chasing the last bus and imagined myself at that age, left it next month for good. Much happier now.
Hey everyone, I moved to IT sector. Had to start from an entry level job and work harder initially. It was worth it in the end. Joined bank at 23 and left at 26 years. But I had some financial backing to survive from parents if something went wrong. Public dealing is very tough and frequent transfers kills your relations with family and friends.
Very Truly said , extremely pathetic HR policies and insane work pressure to misell insurance.Academically good students should not even think of joining it.
😢... Tell me one thing before joining the PSU bank when u r preparing for the compititive exams ... Didn't u know this obvious toxic banking culture or meeting those unrealistic targets? .. .. .. then why were u preparing for this job at first place!!!?? ...
Beig a psu banker, I 100 % agree with you, sir. I am from Chandigarh and posted in a rural branch in tamil Nadu, and the pain is too much to handle. Living without any facility in a rural area is no joke. Don't go for this job not for everyone. And the worst part is its very difficult to leave.
Oh..my ..god...it can't be more brutal. Didnt you had any other options that you had to go to Tamil Nadu and work in a rural area. It can't be more painful for someone who's working away from his native place and family in totally unrelated cultural setting. Wish you best
@@amanmishra7377 because you are getting a decent salary and after leaving a job you don't have any idea what to do and there is a cycle of promotion bonus and other government benefits that won't allow you to leave😊
100 percent truth. Being here on officer post 12 year as a Branch manager, Credit officer, PO and other , what I would like to advise to youth , Please make country proud, and don't come in Banks for employment. I assure you and confirm you , that you will feel blood in your eyes.. and believe me not less than blood. I will let my son for unemployed for ever, aur will run a rikshaw where he may get 10 percent of mine salary, but will not let him.enter in Bank as for a Tag which is "Employed".
@@Postal_veerkar lo bhai...sahi hai ..Kami har jagah hai ..kaam har jagah Krna pdega....har jagah vahi halat hai .. Private job kon saa badhiya hai unless aap extremely talented na ho tb tk...
@@Postal_veer job is ookk... Try to get posting in district where work pressure is low...Bcoz 8n ur district i am ready for transfer across places to minimize work pressure
I am a banker and i always get preference to be in city centres because of my knowledge of credit. We can get transferred to a village but its temporary. You get transferred in every 3 years. You can come back to your city on transfer. Work pressure is high and risk level is high. You have to gain knowledge at every step. Growth is slow or negligible you will feel underpaid if you are highly qualified
भाई किसी को भी गुरुजी की 1% बात पर भी शक करने की जरूरत नहीं है। 7 साल तक मैने ग्रामीण इलाके में जॉब की है। मैं दिल्ली एनसीआर में पला- बढ़ा था। ग्रामीण इलाके में सरवाइव करना बहुत मुश्किल होता है। Sir is absolutely right.
Joined a psu bank around 2.5 months ago as a PO ,what you said is very true i am posted in a rural branch and i travel 7hrs daily updown from my home. Literally this job is the worst, the work culture is toxic, the branch is understaffed and people are working in very poor conditions. Now my only target is to resign from this job in next 1-2 years. Some background about me: i have been born and brought up in kolkata and in a fairly decent family from financial point of view.
I am also working in psb since 8 months , daily 3 hrs of updown from my home road condition is worst staff is also less my advice to you bro start an alternate income and once your side income equals or more than your current salary quit the job and fully focus on alternative income And meanwhile just be polite while talking to seniors whether you work hard or average it doesn't matter they always say you are behind target
Bc ghar lele bank k paas.. 😂 5 days ho gya iss saal se to... Friday nikal ja Ghar 2 din enjoy kar .. 😂😂😂 Itna fairly decent family se tha to business karta .
Fully agreed with your views. One point that I would like to add to it is that the bankers are also forbidden to express anything on social media even if the working conditions are made like hell. You just have to say positive things about your organization. It is pathetic.
I'm a PSU banker and I want to say If anyone here who is preparing for bank exam then plz it is a humble request that save yourself, Guruji has told less, the truth is even worse.
@@gr8sahil19 If you have done a decent education or have a professional degree, then leave aside the dreams of working in a bank, RBI or NABARD is fine, but apart from this, don't join any bank bro... you will get stuck.
😢... Tell me one thing before joining the PSU bank when u r preparing for the compititive exams ... Didn't u know this obvious toxic banking culture or meeting those unrealistic targets? .. .. .. then why were u preparing for this job at first place!!!?? ... Ok fine u didn't know about the toxic culture at that time ... But now u know this .. then why aren't u just quit the job and join any compny in private sector or start your own business ?
@@outofthebox4652 I have spent more than 10 years in psu, in earlier days it was ok but The situation is getting worse day by day, now i am stucked, I have no other option, I don't have any good degree or education, I belong to a very small place in bihar, now at this age a new beginning is not possible. In current scenario when new batch join the bank, they understand the situation within 3-4 months and immediately start preparing for some other exam. Brother, the last thing is that the job in the bank should be your last option, join a government bank only when you feel that there is nothing else left to do. Ask any psu banker who has been working in a bank for 3-4 years, no matter which government bank he is in, talk to him once.
@@gr8sahil19lol. Kisi ke behkaawe mein mat aa bhai. Agar ache se prepare kar Liya aur exams bhi clear kar liye toh khud ki hi job lagegi... aur khud ko hi fayda hoga... I agree ki banking job is tough in today's scenario lekin berozgar bethna bhi Kitna k asaan hai?? Kitna time banda maa-baap se hi maangta rahe... kam se kam khud kamane vaale toh bane.
I am working in NTPC (Maharatna PSU) I am frm Bangalore,grown up in pure South Indian culture.. had a wonderful time till BTech completion..Then wrote Gate for psu.. Now i am posted in Bihar,In a small village.. As sir told,i have to use evry mode of transportation to reach here.. To go home once,i have spend 20k for fare only.. Difficult to find a girl for marriage, Culture is totally different,Food issues,All Hindi speaking people here.. Salary and work is really good,Nice township,chill life but far away from everyone.. Zomato and Swiggy doesn't work here... But very peaceful if one like this kind of life..Very close to nature . Zero expenditure on lifestyle.. Everything is given by company.. Fruits vegetables all r so fresh and cheap.. Healthy lifestyle.. It is mixed opinion..Some people love this and some hate.. So choose wisely... Haa after 6-7 years I ll get positing in my home state so not that much issue...
I have been employed in the largest PSU bank for the past 15 years. What you are saying is absolutely correct. The work culture has become toxic, there is absolutely no sense of ownership at any level, and people spend their stints only to further their motives career wise or otherwise, even if it means resorting to unfair means. It is common practice to subdue instances of frauds and malpractices to protect the 'image' of banks and protect the puppets who dance to the tune of power hungry and egoistical bosses. Colonial practices abound and in any case I feel that ones talent is wasted here as processes and job roles are not well defined and frequently overlap. One day you maybe manager in a rural branch and provided you play the right cards and butter up the right people, you may end up in cushy roles of your choice in a urban or metro areas. I can write an entire book on such issues with PSU banks. I would advise meritorious youth to steer clear of such career paths, as its a trap, which will suck out all your happiness, leave you devoid of any will or self respect. The entire machinery is aligned towards destroying your professionalism and ensure zero personal growth or value addition. You are expected to be donkeys that carry burden and not provide any inputs or ideas. Thanks
Yes, you are 100% correct sir. Education of children will be very badly effected due to transfers that too very far away places. No time to family even on holidays, tremendous pressure of targets!
As a piece of advice i would like to tell you that u should never invest in any third party services like insurance be it health or any or any mutual funds scheme being thrown to u by these psb bankers as they are under huge pressure from their management to mis sell these useless products to any person who has got some amount in his bank account….please be aware of this thing and take internet banking and u can do ur everyday banking from their only if u are smart enough
That all modes of transportation is so startlingly true 😢 Know an uncle, who at age of 57 took bus, Train, jetty boat & rickshaw to go from Mira road to Alibaug!😢
Every word spoken by you is true to the core. You missed some points Financial penalties, political influence which makes you accomplice in wrong doings, Non-compliance culture means your every step in general banking can lead to termination, punitive action because complying to millions of guidelines in million types of various work is simply impossible. Staff shortage(1 person does the job of at least 3 people) and public view of bankers (hardly 1 out of 100 people know how banking works and we are an enemy in their eyes). Lastly our pathetic management & poor infrastructure and third class IT systems which means we are fighting a war with card board made weapons while corrupt executives rusts eat our core.
That's why I have left Bank nd joined in Railway as a Junior Clerk ... now I have to commute about 40 kms distance from my home to office daily .. no work pressure like bank .. I enjoy riding my bike every other day ..
Spoken so truly....This is the true for General Bankers in PSU....right on money....and cannot leave now as i have taken loans for home, car etc. How can i pay all of them at a go before leaving...so will have to be here till death...
Everything you've mentioned is 100% correct. As a branch manager (PSB) for my organization, everyone in my branch is a dead body with a ventilator-induced life. You have bank staff benefits that you are unable to use, such as LFC, as you will not be given time off for them (no leaves). When you put pressure on a customer in a remote place to recover a loan, he may threaten you with a pistol. Senior treats you as if you're a genie that grants all of his ridiculous whims.
Its really 100% true sir what ever you explained in this short video , but its more than that toxic work culture exists in PSU's. My self worked more than 12 years years in one of the PSU bank resigned the job recently without thinking of any alternate job or business due to worst work culture,so much pressure and i got all kinds of deseases like BP,Sugar, migraine headache,Gastric what not everything. Kindly request all younger don't choose bank officer/ PO job in banks as career😂😢. Now searching/ looking for alternative career for livelihood.
I am working for one of the leading PSB for last 8years and I can relate this video with me for 200%. I am from Kolkata and as I am not believing any chatukarita , they are transferring me from extreme South Indian village to North East, now I am a totally frustrated,away from my family, staying alone,living like a "Zinda lash" . Fucked up with my life by joining the bank, option are very less to go away this job. Don't want to work for it for a single second,if I have got any other option right now.
As an ex bank employee I’m not sure why people have to suffer so much. I made extreme use of my branch manager position and passed many shady loans for big favours. Before things unfolded I left the job and now currently enjoying my life in Thailand. It’s all about how you make the most of it baaki Har kaam me tension hai yaar
You are 100% right but your focus is mainly on placement. But I am also scale 3 Officer in a PSU Bank and actual position is too worst to imagine. PSU Banks are guided by Govt Policies but urban people expecting us to beat Pvt.Sector Banks even without proper infrastructure & Work force. We PSU Bankers are supposed to follow RBI / GOI / Finance Ministry/ SLBC / DLBC / IBA Guideline but there is no social recognition. Now there is no working hours and no family life also. We are supposed to work even Sunday & Holiday also to achieve unrealistic targets. Our GDP expected growth is 6-7% but Branch targets being fixed for minimum 20-25% annual. Now a days if you are not having Buttering quality then you can't get timely promotion & good placement.
buisness har kisi k bas ka nahi hai, lekin naukri sab k bas ki hai. Bcoz, buisness needs a multidimensional personality, whereas job needs single dimension.
As an ex-banker, I can confirm that sir has told the true scenario in PSU banking industry. I have seen rural, tier-2, tier-1 postings. And everywhere customers will come and berate you as if you are there servants. There is operational risks in everyday activities. And for good posting, you need to have good contacts in management.
Each and every word in this video is true at the best of my knowledge. I have also worked around 2 years and now resigned from one of the psu’s. Just one advise for those who are still stuck in banking: The early you leave the better opportunities will come for you.
Sir, Working as Chief Manager. From Well to do family. Now posted at head office earlier work were up to 7 now superiors were unabashedly asking to sit upto 9 pm. And shamelessly delaying work so that they can right royally ask staff to come on week ends. To an extent officers and managers are somewhat insulated but so called executive cadres are made like dogs and thrown dog biscuits. And the biggest trap is housing loan given at low interest. People getting 80000 inhand salary are given one crore loan. Once entered people cannot escape. Need to escape this real bad . Please guide us guruji
I am working in bank for 10 years , my sisters are too in bank for 12, 13 years. Let me make u very clear, if you are going for specialist positions like IT, Lawyer, CA etc its good. otherwise its not worth the money... what guruji is explaining is a reality of general officers
And Scale 4 p retire.. Agar bahut jyada achi kismat hui toh 5 and daily sunna ki Specialist toh kuch krta nhi.. sab kaam vendor krte hai and bringing new policies against you
I also joined one of the PSU's after studing 2 yrs for government exams ,now I am in very small village of karnataka , Language is very big every day problem besides work pressure , target pressure. I have very less staff at branch because nobody wants to work there . I work as clerk as well as officer thats why I have to work late night and work on holidays. Whatever sir said is 100% correct. Bank job is good for ladies ,this was earlier concept, but now the reality is very different and very horrible. One major thing that sir has pointed that "chatukarita" it is very common here, and if you are a lady and you do not do chatukarita male ego gets hurt immideately then they will make your life like a hell, so do not join any PSU if you have other options.
I agree with what sir has siad about PSU banks and their work culture.. I'm currently working in one of the PSU and i was feeling that he has read my mind...whatever he was explaining was exactly the same about how I feel on a daily basis.. thanks a lot for your video sir
All that has been conveyed by sir in this video is 100% true as I can tell from my experience as a PSU bank PO. There is no work life balance at all. You can't think of leaving office before 7:30 sometimes even longer. Every day begins with a target and there is immense pressure of cross selling also then customers also don't respect you that much. Pathetic. I request all those preparing for bank jobs not to fall into the fancy trap of online coaching centers and don't just get motivated by seeing salary slips.
Bhai lkin kre bi kya unemployment itna hai , ssc ka toh process hi 2,3 sal me hota he pura or regulatory exams ka koi bharosa hi ni hai ki kb ayegi vacancy
@@poojayadav2442 are behen yahi to dikkat hai har jagah. Mein 2023 mein lagbhag crack kar gaya tha lekin Typhoid ho gaya. Ab samajh nahi aa raha 2024 mein kiski tayari karu. Rbi mein utni vacancy nahi aati, regulatory bodies ka koi ata pata nahi aur ssc cgl ka hi paper leak ka hi case aur kuch nahi to very late job joinings dene ke liye famous hai. Aise mein ham berojgaar kya karein jinhe job chahiye.
Uncle Ji, baat bilkul sahi keh rahe he aap. Humare family me bhi log PSU bank me he. Bohot pareshaan rehte he sab. Me Bharuch ka hi hun. It's highly developing city situated between Vadodara and Surat. Bahraich is 10x lower than Bharuch. Bharuch_Ankleshwar Twin town is major Pharma Hub, Chemical Hub with likes of ONGC, Reliance, SRF, L&T and whatnot Chemical Pharma Industry.
Following guruji from a long time . But i always thaught why guruji dont make the video on bankers . Finally here it is...... Guriji i m a banker and your audience also . No body were there to give such clarity before . However we really feel connected to your naukri series. Late sitting , weekend working, remote area posting , unrealistic targets , sip mutual fund insurance advance recovery audit compliance customer service all that can not be handled by a person. He make some mistakes and always had to live like feared cat because of that mistake.
The message is perfect truth. I am a bank employee for past 18 years. The conditions among PSU banks are worst and still get degraded day by day. Please don't get into bank jobs if you want make lively life. If you get into, try to get out when you are young and don't take staff home loan as you get for less ROI, so that you will not get binded.
I am a banker and posted in supaul (as he said ) born and brought up in Munger (as he said ) , but still i want to suggest banking aspirants dnt join bank , i totaly agreed him
WORKED IN PSB FOR 25 YEARS BEFORE LEAVING. WHAT U R TELLING IS 100% CORRECT. WE R NOT ABLE TO TAKE CARE OF OUR FAMILIES, RELATIVES HARDLY KNOW US, FOR A DAY'S LEAVE WE HAVE TO LITERALLY BEG INSPITE OF WORKING 12 HRS A DAY. BULLIED BY SENIORS INSPITE OF WORKING HARD, CAN'T DECIDE LIFELONG WHERE TO BUILD A HOUSE OR SETTLE DOWN. SOCIALLY & FINANCIALLY DEVASTATED IS THE STORY OF MOST PSU BANKERS 😒😐😐
LEAVING A SECURED JOB IS NOT EASY, TOOK ME 25 YEARS TO GATHER ENOUGH COURAGE & BUILD ADDITIONAL SKILLs TO DO SO. STILL I HAD TO FIGHT OFF IMMENSE SOCIAL PRESSURE. NOW I M INTO EQUITY PORTFOLIO MANAGEMENT AND FAR MORE CONTENT & AT PEACE. NO TRANSFERS, NO 101 TARGETs THRUST DOWN OUR THROATs
PERFECT SIR!!!! This is the actual voice of a lot of youth from the big or medium cities, Our caliber is not being recognised here and our talent means nothing!! Good for the people from village backgrounds for whom such enviornment is okay and this salary is okay
I worked in Public Sector Bank for 11 years out of which 6 years as Branch Manager. Now i have left the Bank job 8 months ago, currently taking a career break. Hopefully will join private sector soon, will be happy even if i earn half of what i was earning in PSB.
I am from Kolkata, I am a great fan of yours. Thanks. You are honest, clear and what you say of North India, is applicable to the entire country. I plan to join your channel. Thanks again.
Sir is saying 1000% true I am an officer in a psu bank Pls don’t go for it. Worst working culture Worst work life balance No mental peace Your health will get detoriate day by day Better to sell tea rather than doing job in psu banks
100% correct what ever you said. Joined 2020 from past 4 years life become unpredictable. Though I'm coming from poor family with less education from me it still better but day by day moving towards middle class and all this like bad.
M too PSU banker.... literally u speaking truth...we doing our 110% but no recognition...no AAA coz we cant do chmchagiri...we only do work....we not spending much time with family....home far away postings....not easy to survive emotionally
When I was going to apply home loan from SBI bank, after finishing all the formalities and preparing papers, just one day before disbursing the loan amount, the bank manager is indirectly blackmailed me to take life insurance of premium atleast one lakh per year(total 5L I have to pay for 5 yrs ) then only he will disburse loan to me..... Earlier the same guy also forcebly attached a high premium insurance policy to my relatives when they are trying to open a locker in bank.. it's not the wrong nature of the bank manager... he is very good person but the management is forcing them to sell policies..
Sir, Its never easy for a ordinary person who is not in a govt. Job to inquire and that too get a correct answer because as you have asked us to inquire a PSU or a govt. Employee life how many people are bold and give the reality answer that yes my govt. Life is suck I am suffering and The decision i took was wrong how many people accept their wrongs and defects. So the first hurdle in giving the right answer to a random guy is that its like when someone ask how much money you make and then after knowing he or she tries to measure your worth the same thing he or she believes will happen after saying his life is not going well in govt. Job so its very hard to get the right answer if you have a close friend who shares his life qith you..its whag i feel
I am Preparing for bank and know all the realities..but already i have given 3-4 years in preparation so i am not thinking to divert but the reality is true.
Don't ruin your whole life just because you have given some amount of time. First analyse your surrounding. If you come from a decent family then go for something else more fruitful. If you are financially unstable then go for it. Everything depends on the surroundings and situations.
Ohh my god sir aapane bilkul thik kaha .Aap 16 saal pahle ye chij batate to mai ak banker se shadi nahi kurti Mai teacher thi ,inke transfer ke chakkar mai job se resign kiya.Mere bache ne itane school change kiye.Ab ye scale 3 hai itana job ka pressure hai ki BP ki dawa leni pud gaee.Bache ke liye time hi nahi hai.17 year job ke ho gaye VRS bhi nahi le sukte.Without pay chhuti bhi nahi mil rahi hai.Higher study leave bhi reject ho gaee.Kya kare 3 saal kaise katenge.Mai aaj jo log new comers hai unse kaha a chahati hu B.ed kur lo teacher bun jawo, private tution kur lo but bank mai mut aana.Clerk to fir bhi thik hai .Agar posting apane native place mai ho to..Kahi or job kur lena but Bank mai mut aana😢😢😢😢😢😢😢😢 .
72k rural mai salary h allowances leke Aur 12.5k nps miltah total around 85k milta h monthly Ye starting h Aur sbi aur jyade h Aur vehicle loan aur home loan simple interest pe Paise ache h Baaki inhone jo bola h sb sach h😂
@@ankitchandravanshi5786 Bhai Vehicle loan leke kya krega jab tumhari posting hi aise jagah hogi jaha 70-80 km door tak kuch hain hi nhi petrol pump tak nhi 😂
@@maheshkumarsharma8543 Bro..do you really think ki aj ke samay me bhi koi esi jagah hogi..jo kisi na kisi chote se chote gao se connected ho..or waha ek chota sa b petrol pump na ho Aj kl har jagah par petrol pumps h Even me khud chattisgarh ke ek gao se belong krta hu..or yaha maine kaafi travel kia h..mujhe aj tk do petrol pump ke beech me itna distance najar ni aya
Jinke pass job nahi hai unse pucho ki kaun si naukri acchi kaun si kharab.. Majdoor jo dhoop me kaam kar rha hai fauji jo siachin pr khada hai usse to asan hi hogi bank ki naukri
im from Bihar nd working in psb in Mumbai since last 5 yrs , already got transferred thrice in d same region during this 5 yrs span . Being a bachlor sumhow i manage these frequent transfer but its very difficult for those staying wid their family nd bdw its not even easy to manage everything staying alone along with hectic nd stressful work nd office schedule....
Thats what i have been suggesting to my cousins and juniors,dont join PSB s and even if you join keep in mind that you have to crack other exam while in probation period.. PSBs are like black holes in job market
I am also a banker, have 1 year old baby and transferred so far, worst policy i have seen ever in life.... Better to quit the job and start anything Wont recommend anyone to join banks ever in my life....
@@ajeetbarai189 taiyari kar chote uske liye yaha kaha kood pada tu comment section mein….yaha tujhe frustrated bankers pel denge….tu taiyari kar aaram se agar tujhe gyan sun ke samajh nhi aya to koi baat nhi seh ke hi aaega samajh
He is absolutely right, if you are not good at flattering and fawning, you will not get promotions even though you are talented, knowledgeable, smart worker, etc. I am working for a PSU bank and based on my experience I can say that only those who are below average should join a PSU bank. Shortcut for a good carrier at PSU bank, have a god father/ god mother.
Shortcut for a good Carrier , can u elaborate this point , what do u mean by this , currently in Graduation thinking of SSC and Bank , which is good ?/ plz Guide
Aap bilkul sahi keh rahe hai sir,im working in SBI and my husband is also in sbi.he was transferred to haryana from himachal last year.He doesnt get leave and visits only once in 4 months.Too much work pressure in bank..We are forced to sell insurance and mutual funds to customers
There's always a bond of 2-3 years of amount 3-2 lacs in every PSU, that's why many people can't leave. Also everything to the minute, tiniest details in this video is true.
No nothing like this.. no bonds. You can leave whenever you want. Catch is you have to take NOC for appearing in other govt exams and once someone knows you are trying.. you will be given more work
Very true Guruji. I belong to Vadodara & For 3 years of my life I was living in interiror location of MP & RJ for my Private Job. The story is the same. Village audience, no social life, pay was great, but no satisfaction. A month back I changed my job near my hometown & I am happy now.
main bhi bank exams de raha tha lekin ab mujhe asliyat ka andaza ho raha hai kyu jo khud bank me job kr rahe the wo bank ko chor ke padhane me lag gaye hain to smjh me aa raha hai ki jis chij ke liye itni mehnat karo phir baad me bhi waise hi jindagi kate to us se koi matlab nhi hai , thank God social media se kafi chijo ke baare me pata chal jata hai...!!
While i was doing btech I influenced a girl to not go for engineering studies...and her mom scolded me badly. Then I joined psb...I did not try to influence anyone to not apply for psb...because I fear people will consider me as their enemy. Before joining, few people told me govt job is not worth it...but failed to give amit sangwan level of clarity...and my bad I did not get influenced.
Sir please make a video of Carrer in Psychology. Recently in a live video you mentioned that people who are studying Psychology will do extremely well for next 50 years . So I really request you to make a full fledged video on this carrier pathway ...which branch one should select in psychology , etc.
I have been posted in a remote village of punjab in psb but couldn't handle the pressure and locationso quit it after 1.5 years.I don't regret my decision
Absolutely right Sir..... I am working with PSU and your platinum member since long and the main purpose to join your channel is clarity and to find out the way to escape from my current profession and i am glad to write here that " Guru Ji Chakshu khul rhe hai " 😅😅
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Guruji, kaun kaunsi naukri kharab hai ye to bata de rahe ho aap, ab aap ye batao ki naukariyo me sabse best naukri kaunsi hai, jisme minimum suffering ho
Dear sir
Atleast in government jobs people have job security. Obviously they have to do target in order to generate fee based income. Otherwise how the banks will earn profit. How are the employees going to get increament or promotions. On the other hand in private bank , there is no job security. There is no timing to go at home. In the morning we face morning huddle . Get to hear so many insulting words. After completing targets as well everyday we go through the tension of loosing jobs. So please do not compare govt jobs with private jobs. Because the work culture in private companies is way more toxic. Atleast in covid era , no govt employee got fired from their job like us. I lost my job in covid because of non meeting my target. You are misleading the youths.
Selling life insurance products , health insurance products , mutual funds and bringing CASA accounts gives revenue for banks. Because everyone wants promotion in govt job but at the end of the dame they have to put their efforts.
Please do not compare these govt employees with us bcz we don't have job security even after completing our targets as well.
100000000000% true😢😢
Clerk job is also hectic?
I am a credit officer in SBI. I am speaking here on behalf of many young bankers who will leave banks, moment they get opportunity somewhere else. We all don't want to work in SBI for a day. We all are preparing for starting our own business or other job. Work culture of PSB is very toxic now a days.
True Sir
As a corporate officer, you don't have to deal with people or retailers.
I already left 6 months back. It's bliss outside. Yes work is more but it's very systematic and you are not responsible for everything 😊
Worst job PSU Bank
It's not true if it was there would not be such competition for jobs , private jobs are worse.
You don't have to deal with job insecurity and salary is very good at banks.
1. Toxic work culture in banks.
2. Third-class HR policies , outstation , Outside India, LTA, Medecal
3. Frequent transfers
4. Unrealistic targets.
5. No work-life balance - They ask enter Covid to go office
6. Work on holidays plus late sitting every day - 6 days office
7. High financial accountability - if you duffult one loan
8) NPS pension -
9) 70K salary after 10 years...
hence you dont see Big city people not in PSU bank .. all Bihar Jharkhand... people
POINT NO 9 GALAT BOL DIYA. THODA AWARE HOKAR LIKHA KARO. AGAR CLERK MAI HO TOH SAMAJH SAKTE 70K AFTER 10 YEARS PAR AAPKO APNA STATE BHI NAHI CHODANA PADTA USMEIN.
भाई साहब Mumbai Delhi me kitni waha ki locals bhi exam dete hain log
Transfer of females seem less .someone told and they leave at 5.30 .someone told me tell your experince
Hats Off to you sir. Every word of yours is absolutely true. You have just nailed it. I too fell in the trap of the PSU Bank job. This job isn’t for people who are brought up in metros. No respect for merit. Only boot lickers progress. Even worse, superiors and colleagues who are from smaller towns burn with jealousy and they do everything they can to stop u from progressing. I have resigned from my job after I wasted a decade of my life in this toxic job !
What are you doing now?? It’s going to be a decade for me next year.🙏
Yes please tell what are you doing now. it will help us
What are you doing now?do you regret your decision?
I preparation for bank job
Sir I am also a banker for last ten years..I m not satisfied with my current role in bank.If I quit now what opportunities are available for me.Please guide.
Thank you Sir you are saving millions of youth from destroying their future 🙏
You are absolutely right. I was working with Bank of Baroda from past 7 years as SCALE I officer. Every single day was like a hell and survival was extremely difficult and work culture was getting worst day by day. I was so much frustrated. Finally I left the Job and joined IT in Jan 2024. I left my job without any job in hand, I was married and 2 kids of 1 month. My salary was 1 lakh/month. It was very tough decision I was on psych consultation for 1 month. But by god's grace I got job within 1 month. During 1 month of unemployment I realized the importance of job. One mistake that I did was I stopped respecting my bank job, because of which I was living the life and it was putting food on plate. So respect your job and keep trying for better options.
Are u satisfied with your IT job
Loved your comment ❤️. Want to know you more. Can i have your no?
Bhai mera bhi abhi bob me scale 1 pe selection hua h 😢
Welcome to the club@@MONUSINGH-je5co
That's a respectable comment seriously
I myself am a SBI Officer with 11years in the Bank.. and I can vouch for all the things said in the video as 100% truth.. EACH AND EVERY POINT!
Bro I want to get a job in bank 🏦
@@userunavailable__ Then prepare yourself for torture of your life. You have been warned in advance.
😂 muje English nahi aati per feel kar sakta hu Bank Wale ki zindgai kuthe se Kam nahi hain
😂 The reality of metro cities is you can't afford education for your children if you want , you can't afford to change cars & mobile phones you can't even breath Healthy Air 😂😂
Delhi , Mumbai etc !
But if you are 22-23 yo and good In studies and want a healthy life go for IBPS & SBI jobs !
The first reason my brother is just married this year at the age 31 and he is working as AGM in PNB !
His salary is around 20LPA (with allowance) but he receives more than just that !
Last year after his promotion he got posted in our home town & before that he was in LKO !
Currently he owns a Fortuner legender , MT15 & Vespa ! 😂😂
Sale ko dahej Mila 50 lakh , Iss saal Ghar kharida hai apna 5000 sqft ka !
Tab btao guys agar aapko thoda sa pressure lena hi pade itne sab k liye to or kya chahiye...
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Banda har mahine ka 50 hjar kharchta hai uske baad b 1 lakh bacha leta hai... 😅😅😅
31 ka hai abhi vo itni age me IIT & IIMs ko hata de to shyad hi koi aapko esa package dilwa pae ....
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Kisi uncle k chakkar me na pado . Uncle is light hearted if you went through the streets you know ki easy kuch b nhi hai life me!!
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Aaj ki date pe agar aap IIT & IIM se nhi ho to aap kachra ho.. 50-60 ki naukari milegi or 10 ghante aapko Dena padega 😂 uske baad agar aap apne home town me job nhi pate hoto rent b usi salary se doge... Aapki job ki koi security nahi aapki koi ijjat nhi aap ko logo ka gussa jhelna hoga office me just bcz vo aapko naukari se na nikal de .
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But aapko kya lagta hai Govt. Officer esa sehte honge ??
😂😂😂
Ji nahi vaha bas aapko promotion nhi milega baki aap mar lo apne head ki uske paas aapke against koi authority nhi hai ... He is just like you...
Baki jinpe authority hoti hai vo malai khane me busy hote hain unko itna fursat nhi hai ki aapko aake date kyunki aapne apne senior ki baat nhi mani.. 😂😂😂😂😂
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Think rational 😜
Govt job ho ya private agar aap pinky boi hain to fir aapki har jagah li jaegi..
So on that note Jo marji chose Karo sare sector achhe Hain agar aapka dimag strong hai or aapke Vo Karizma hai ki aap logo ko apne personality se , behaviour, looks ya intelligence se attract kar sakte hain to aap kisi b sector me Successful rahoge...
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Baki agar aapko easy life + Lots of Money & Plenty of time to spend with family or vo b without any Academic Baggage chahiye to go for SBI , IBPS , SSC CGL , UPSC & RBI !!
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Baki uncle ji bol rhe hain vo RRB k liye apply hota hai baki agar aap smart hoto aap smjh sakte ho aaj se 8-10 saal me Jo choti jagah hain vaha ki lifestyle far far better hogi aapke so called metro city se... Delhi , Bangalore & Mumbai etc are over populated & with every passing day becoming more polluted , it's hard to stay healthy there ! Not just that crime rates are already at their peak people don't bother helping others because they don't really trust each other, Water scarcity is rising! & if you want a really good education for your child you need to pay 5-6 lakhs per year !! Or you'll get the same cheap quality of education in metro cities!!
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To agar uncle aapko 2-3 Lacs per month promise karte ho to aap jarur inki baten sune warna he is simply misleading you guys ! Ek to aap vese quit karne ka sochte rhte ho upar se uncle aapko or motivate kar de rhe hain.. ese to aap bhid Kam kar doge... !!
Anyways jesa aap ko thik Lage but mene apna openion dediya ye video dekhne k baad bcs mujhe esa laga ki inki baten bas 5-10% logo pe apply hoti hain 90% bankers are living a happy life !
And rhi bat rural postings ki to bhai local Banda 10-15 lakh deke apna place leta hai to itna easy nhi hai rural branch milna sabko...
50% logo ko smart cities or metro cities milta hai baki.. ko tier 2 & 3 cities 😂
Khud socho agar tum 22-23 pe PO ban jate ho.. 73k around in hand aayegi.. (with allowance) rehne ka dena nahi hai.. medical ka dena nhi hai.. tel ka dena nhi hai sab govt dekh rhi hai..
70 hjar me kitna kha loge be tier 2&3 City me.. .har condition me 50 Bach jaega bro on an average 😂😂😂
Sasti cities me Jamin sasti vaha tum jab tak 29-30 k hoge tab tak crorepati ban jaoge... Ghar gadi Sona Chandi health wealth 🤑 sab hoga tumpe.. vo bhi bina tumhari degree dekhe... 😂😂😂
Khud socho
Konsi private company tumko 1 lakh in hand ka pakage degi...
Govt de rhi hai..
75k (after 17% hike in SBI) + (27k accomodation)
1.02 lakh ka pakage 😂😂😂
Iske baad life time simple interest pe loan !
Or upar ka paisa to pucho mat..
Ghar pariwar dost yaar samaj har jagah ijjat , badle me aapko office me active rehna hoga 8-10 ghante... 7-8 saal me aap CBM tak pohoch jaoge..
Uske baad aap promotion lo hi mat.. ek hi City me raho life time ..
Kyun nhi biwi aayegi.. Fortuner se lene jaaoge to.. 😂
Kyun nhi rhegi jab seher sabse best school me apne bachho ko daloge to.. aaj ki date me har City me ek na ek school esa hai jo aapke Delhi Mumbai k normal schools se 100 times better hai..
.
.
Kaise boss nhi manega jab har anniversary pe ghadi gift karoge.. !!
😂😂😂
Bro life me sab kuch ast vyast hai usko apne according banana padta hai.. kuch log chat k kaam nikalte or kuch Bina chate with strong personality kaam nikalte hain..
Baki chutiyr hi hote hain jo private ko compare b karte hain Govt se .. bcz 90 % private jobs are trash !!
10% me bhi Koi guarantee nhi ki tumhare boss ko kab tumhare jagah ek Gori chitti hot sub ordinate chahiye ho .. so just don't listen to this 60yo rich grandpa!! Ye itna hi gyanchand hota to tumko RUclips pe nhi Tumhare office seminar me gyan dera hota .. 😂😂😂 just avoid him
Sir,my brother is in SBI from last 10 years..he started his career from Cashier in 2013.yes he faced all the dificulties.but nodays he owns 2 crore house,car,currently in Delhi Central live in a porche society..initial 5-6. years were definitely struggle but you get a good reputation and money.non of my know from private job or business able to build own house at the age of 25.
Being a banker, 100 percent agree with what you said.
1. Toxic work culture in banks.
2. Third class HR policies
3. Frequent transfers
4. Unrealistic targets.
5. No work life balance
6. Work on holidays plus late sitting everyday
7. High financial accountability
Ask a banker why he/she is doing the job? Reason being most bankers have availed loans more than they can afford so now they are stuck with nowhere to go!!! This is true reality of PSBs!!!!
😢... Tell me one thing before joining the PSU bank when u r preparing for the compititive exams ... didn't u ask any banker about the banking environment??...Didn't u know this obvious toxic culture or those unrealistic targets? .. .. .. then why were u preparing for this job at first place !! !!!?? ...
The culture wasn't the same when I joined more than a decade ago. This decade has been transformational on a bad side for PSUs. If you know any PSU banker around you, I would request you to talk to him/her. May be that'll help getting more clarity. 😊
@@seemapatil65i know all this cause i am also an AFO in canara bank joined 2 years back .
I have one last question ... Why don't u just quit this job now .. cause i guess u must have accumulated a good amount of wealth from this job in this 1-1.5 decade ..
Then just quit the job in next , 1-2 year and start a new business ... Or anything .
Yes I have. And my resignation is in the process. Few months remaining.
@@seemapatil65 and what will u do afterwards...!!!
And i appreciate you affort ❣️🔥
my dad is a government banker, and he has to do field trips to villages every week and has to go to courts. I am Konkani and I have traveled to Delhi, Moradabad, Noida, Mumbai, and Lucknow. It was so frustrating albeit I am used to a lot of cultures now. And my dad says banking is the worst job and told me to seek out private jobs. Fully agree with you, sir. The suspense surrounding the transfer is again brutal.
No. 1 bank in the world.....bank of Maharashtra 😅😢😂
Medicine and Doctors is most toxic .. there is no weekly off.. 36 hours continuous duty without any time off.. have to report the next day.. BUT u will never talk about it.. u people say "oh yeah u have to sacrifice to be a doctor" .. do u know i cant afford PG seat..
In private even smart people (middle class ones) are scared to make extra efforts. Job security is overrated but that's all they want to see.
My father was Asst gen manager in Union Bank of India and we moved with family from here to there, my father had rural posting 200km from Kolkata, his health suffered and I was not close to my father as he was most dedicated to work than family
My husband is in SBI but so exhausted after he comes home, couldn't spend time with family
101% True facts. Speaking from experience of SBI. Left the bank due to Toxic work culture and HR policies.
Same here
Good decision ... What r u doing now?
I am also thinking of leaving but dont know what would I do after that
What are u doing now??
ab kya kar rhe
I am a senior Manager working in a PSU Bank Since last 12 Years earning more than 1.00 Lakh , but what you said in this video is exactly 200% true. Currently I am looking for a job which can give me mental peace for which I can sacrifice my current package too.
Wo to aapko is government me nhi milega
Mee too bro😢
Only a lakh after 12 years? What did you do? Got 10 of your increments permanently stopped?
Kya baat kar rahe ho. Police, Irrigation, Tax/Revenue related koi bhi government job aaram ki job hai no work pressure and package > 1 crore per annum @@SUGGUMUNMUN
😂 bank Wale ki salary itani hi hoti hai
What Guruji just said is 101% true ..i too joined SBI as a po and can unequivocally state that this is the worst job ever owing to its extremely toxic work culture, gigantc work load, inhumane transfer and HR policies and expectations of high level of sycophancy from the employees. Wouldn't be wrong to say that this Bank thrives on sucking the blood of its reasonably qualified employees and the poor illeterate customer in villages ( misselling insurance policies- need i say more? ) Don't get swayed by the profitability of SBI and save yourself the horror by not wastihg your time on such worthless jobs..
😢... Tell me one thing before joining the PSU bank when u r preparing for the compititive exams ... Didn't u know this obvious toxic banking culture or meeting those unrealistic targets? .. .. .. then why were u preparing for this job !!!?? ...
Ok fine u didn't know about the toxic culture at that time ... But now u know this .. then why aren't u just quit the job and join any compny in private sector or start your own business ?
I am also a banker .... AFO in canara bank .
Well said , considering a holistic view on sbi job, it is not as worst as being portrayed, it really pays a handsome remuneration and carrier growth
@@outofthebox4652 this is what happens when people get things wrong the comment was intended for aspirants preparing for this jobs and not for the ones already in it. People like you are the same management jallads who will go to any extent to secure their promotion every successive year. And to answer your question I appeared for CAT last year ( 98.04percentile) and will appear for the same this year as well and will most likely bid goodbye to this place. But you sir continue doing the good work and be the flag bearer of such toxic work
culture to pass it on to your generation too. We need more people like you😊
@@ronakagarwal8189 its my 3.5 yr of joining banking sector ....
@@ronakagarwal8189 i m not defending the toxic banking culture ... I am just asking u why u have prepared for ibps exams at first .. when u did alrdy know that banking environment is the most disgusting environment in govt sector . !!? ... Thats my question .
Absolutely true sir PSU jobs are really stressful. Every word you spoke are true
I am from reputed PSU bank and office politics and targets are the only things I can think all day.
Here goes.. I left SBI after selection within 2 years (PO) was the best decision of my life. People told me not to. Not even one person supported my decision except my gf (now beloved wife). Had fights at home. Even till date my family feels i did wrong. lol and hear this out, despite when i today work in the US as a software engineer(self learnt how to code and re-established my career from scratch). But This is the problem with indian middle class parents. They want sarkari naukri for their child even if he/she becomes the CEO of microsoft they dont give a damn. Specially north indian belt. South indians are smarter in that (majority). Same goes for even IAS PCS stuff. All noise no substance whatsoever. Until the average indian youth realises that subdued aspirations are a soul killer, nothing is going to improve for India. No demographic dividend will help the country. Even today there is no scope of experimentation and risk taking. And i totally agree with this video, if you hail from an extremely poor background it is completely ok. Sarkari jobs should be left for them to help their social cause and recognition. But funny part is, even the poshest of posh generation is competing for a seat in clerical exam of ibps and sbi. I have worked first hand and seen it. Anyone reading this, no matter what year, what date. If u are not coming from a seriously poor background and hail from a decent tier 2 town (aleast), then do not, i repeat, do not go for sarkari jobs in name of safety and recognition. Safety is a myth. Workload matches your private sector counterparts, salary is peanuts and you will live your life in disdain, trying to snatch small chunks of happiness whenever & wherever you can find from. If that is what you are all about. Then for sure go ahead. In the end, Life makes you reap what you sowed in peace.
Kindly guide me about u r path...
Wht do u mean self learned
Share your software engineer journey in brief
Yeah, I am also working as an officer. Please tell me your software journey
Bhai bilkul sahi
can you share the coding journey after resigning? Many of us can be benefitted from your experience for sure.
I sought VRS from SBI when it was offered first time in SBI for officers & and have enjoyed life in Ahmedabad Gujarat as pensioner for the last 26 years after migrating from Punjab.
You have spoken the truth prevailing in PSU banks!
Then what has been your source of income for such a long period?
Even if someone wants to join psu banks... My advice is to join as a clerk.. You can leave maximum by 5:30 pm... Initially after joining posting will be far from home.. But after 2-4 years you can return to to your hometown and if you don't take promotion you can remain there forever... Only downside is salary and perks will not be as much as officers... But there is a catch for that as well.. Marry another clerical staff and both don't take promotion 🙂... This is the best scenario if someone wants to be a psu banker.
I have already doing this ,not married but decided not to take promotion. I am in public insurance sector much better work life balance, salary and perks compare to PSBs and peaceful specifically in clerical cadre
But with the salary of a clerk isn't it very difficult to survive now?
Inflation???
How will a person, who will forever work as a Clerk in a Bank, deal with the inflation???
@@mrdaman99promotion lene se mana kar raha hai Bhai .. pay scale lene se nahi 😏
I remember reading a news couple of years back where a widowed lady working in a PSU bank as a branch manager committed suicide inside her bank as she couldn't handle the extreme work pressure, abusive seniors and unrealistic targets, she left behind her two young children. People doesn't even have the courage to leave such jobs.
The it jobs even though hectic, kra is defined. But work definition is a joke. Earlier you are asked to sell insurance in one day, swanidhi in another, mudra campaign next day, recovery drive the day after.
Today pressure is so immense that you need to do all the same day. Further your clerk and officer will be deputed to another branch
No questions asked
@GyanPrabhakar-bt8dg If someone takes their life bcoz of work pressure anyone can image how toxic that environment would be. People commit suicide mainly when they lose hope and how can u justify if your job makes u feel stressed out, takes your peace of mind and pushes u into being suicidal? The amount of stress that one can handle definitely varies, but if you are unable to meet the expectation of a firm its better to move out. If u take ur life bcoz of ur job not even a single dog from your company will be bothered, another person will replace you soon. The loss is only for ur family.
@GyanPrabhakar-bt8dg bro I am in IT wufe in psu bank, You Just cant compare..... Cant compare. And moh maya me lag hain sab n hum bhi....
Sir I prepared for PSUs for 2-3 years. I cleared a bank exam in 2016 and I got my posting in 2017 in a very small town. I am from a tier 2 city and it was very difficult for me to live in that small town. What all you said is 100% true. I worked from Monday to Saturday and on Sundays no one was there as all the staff had gone out of town to see their families. It was lonely there. Staff was not at all up to my caliber which made it even harder to survive there. I eventually quit the job in 2019 after a 2 year struggle. I would have quit after 6 months but my family insisted me to stay. But after so many years my family thinks it was a good decision I made. Now I am working as a freelancer. I work for myself and happy to be where I am.😊😊
How did you become a freelancer I'm also working in psu for 3 years I really wanna quit but I see nothing on my way after leaving this job
I need help regarding freelancing I also want to leave my job
Agreed PSU do mass banking,whereas pvt banks focus on class banking.
But mass banking was the purpose for which banks were nationalised.
Give details about being a freelancer
Absolutely right.
As a PSU Banker, I can say that here only thing that matters is 4 quarters in a year... and your life will go downhills achieving those targets quarter on quarter, set by morons, who are actually doing nothing.. The Hindi proverb is- Roti banane wale se jyada, roti ginne wale baithe hain..😂😂
But what about salary you get more than private?
We do... but you will have zero peace of mind. Mind peace is a lot important than the cash in account
@@deepeshbajpai4423In clerical cadre, PSU bankers are getting more salary vis a vis private counterparts, but as you go up in ladder your salary would be very miniscule as compared to private counterparts and transfers are very harsh.
@@gauravdeshmukh5486 exactly .. but why shouldn't u join any non banking sector .. where u will get peace of mind .
@@deepeshbajpai4423 private me kaun sa piece of mind raheta hai .
As a PSU banker, I am so excited to hear your assessment of our work culture. 😮😂
Same😂
Your take on this video😅
How’s your reviews
@@IpsitaMishra-j7ehis take is exactly same. That's why they feel better by knowing everyone is facing the same issue. I know cause I am doing the same😭😭
Sirjee pranaam. Aapne dukhti rag daba di bankrrs ki. I am a PSB employee in Gurgaon. And I am also your old subscriber. Whatever you said is all true. I have one request despite being your subscriber I am not able to attend 90% of your live sessions. Believe me sir full day I am so busy in bank that at times I get no time for even calling. My request to you is to please keep live sessions on Sundays or after 6 pm so that we bankers can also benifit from you
I'm an officer at a PSB, presently posted 1200km away from home, I'm from UP and posted at Telangana. All the things pointed out in the video are correct. There's no work-life balance, getting your leaves sanctioned is also a hurdle due to acute staff shortage at most places. The work is of a never-ending nature and the pressure is insane. Each year the number of resignations, people succumbing to serious diseases and even suicides are increasing manifolds.
Is it true. I am preparing for bank job.
@@komaldogra2779 Yes, it is.
I'm from Telangana and posted in UP
I work in a state secretariat as a clerk and my net salary is 25k.
Across the corridor is a PSU bank, since it is next door, I often go there and talk to them, they also do the same. I found out that some senior clerks there earn 50-60+
But those clerks don't get rest. Not a single minute. From 10:30am there's non stop customers in their bank.
Same can be said about most of our staff as well, but for me, since I'm new, I don't have that much responsibility and live in peace.
I preparation for bank job
100% True! I left my Bank job after 3 years. Job in city was super stressful and busy, had to work till 7pm non stop.
In rural posting it was no work but very boring and stagnant overall, 1.5 hours commute through villages etc. Add cheap politics on top.
I say my 58 year old Manager fell down chasing the last bus and imagined myself at that age, left it next month for good.
Much happier now.
What are you focussing on now ?
Good. What are you doing now
Very true. What u are saying is 100% correct.
What are you doing now if i may ask?
Hey everyone, I moved to IT sector. Had to start from an entry level job and work harder initially.
It was worth it in the end.
Joined bank at 23 and left at 26 years.
But I had some financial backing to survive from parents if something went wrong.
Public dealing is very tough and frequent transfers kills your relations with family and friends.
As a Public Sector Banker I agree 200% to what you said.
Very Truly said , extremely pathetic HR policies and insane work pressure to misell insurance.Academically good students should not even think of joining it.
😢... Tell me one thing before joining the PSU bank when u r preparing for the compititive exams ... Didn't u know this obvious toxic banking culture or meeting those unrealistic targets? .. .. .. then why were u preparing for this job at first place!!!?? ...
True words said by sangwan sir. This is what i keep cribbing all day working for last 2 years.
Agreed with your every lines. One more videos for those who had already joined bank and need to improve his/their current lofe scenario
Beig a psu banker, I 100 % agree with you, sir. I am from Chandigarh and posted in a rural branch in tamil Nadu, and the pain is too much to handle. Living without any facility in a rural area is no joke. Don't go for this job not for everyone. And the worst part is its very difficult to leave.
Oh..my ..god...it can't be more brutal. Didnt you had any other options that you had to go to Tamil Nadu and work in a rural area. It can't be more painful for someone who's working away from his native place and family in totally unrelated cultural setting. Wish you best
Why you can not leave ...please explain sir
Please explain sir why u cant leave
@@amanmishra7377 may be bacause no other job options after certain age
@@amanmishra7377 because you are getting a decent salary and after leaving a job you don't have any idea what to do and there is a cycle of promotion bonus and other government benefits that won't allow you to leave😊
100 percent truth.
Being here on officer post 12 year as a Branch manager, Credit officer, PO and other , what I would like to advise to youth , Please make country proud, and don't come in Banks for employment. I assure you and confirm you , that you will feel blood in your eyes.. and believe me not less than blood. I will let my son for unemployed for ever, aur will run a rikshaw where he may get 10 percent of mine salary, but will not let him.enter in Bank as for a Tag which is "Employed".
But Work pressure is in every sector.
I agree with this
Work pressure is every where in life. Fir to na naukri karni chahiye aur nahi shaadi. Bus sadhu ban jana chahiye iskon me.
An eye opener video for us, thank you guruji...😂😂 for saving our 40 years of slavery from this kind of rubbish job🙏
Good decision
@@sujan4cs yess definitely
Gol gappe ka thele laga lo.
@@atmarampanduranga6719 tikha jyada de diye kya sir aapko, jo बूंड jal gyi aapki😂.. मीठे कुलचे दूँ?
@@sauravsingh9412 nice reply bro 😂😂
I am Post office Clerk ,, totally agreed with your views about naukri.....ghoomi ghoomi...Every 3yrs with full on pressures
Bro I just got selected as a Postal Assisstant through SSC CGL. please tell me about this job. Please share your review
@@Postal_veerBhai mat join karo
@@Postal_veerkar lo bhai...sahi hai ..Kami har jagah hai ..kaam har jagah Krna pdega....har jagah vahi halat hai .. Private job kon saa badhiya hai unless aap extremely talented na ho tb tk...
@@Postal_veer job is ookk... Try to get posting in district where work pressure is low...Bcoz 8n ur district i am ready for transfer across places to minimize work pressure
@@KomalSingh-hc5hs q ? Reason do
I am a banker and i always get preference to be in city centres because of my knowledge of credit. We can get transferred to a village but its temporary. You get transferred in every 3 years. You can come back to your city on transfer. Work pressure is high and risk level is high. You have to gain knowledge at every step. Growth is slow or negligible you will feel underpaid if you are highly qualified
You might be lucky but many of us
Aap bhi chatukta ke beech me hi aage ho. Aisa credit ka knowledge and credit officer bahht hai phir bhi aisa jaiga pe posting he mat puchiye.
Perhaps you don't have absolutely no idea how IT industry function and level of pressure and Risk there.
@@mrbiswas25 permanent posting to nhi hai na. Transfer ho hi jaega
@@justlogin143 I know my risk. It is jail time
भाई किसी को भी गुरुजी की 1% बात पर भी शक करने की जरूरत नहीं है।
7 साल तक मैने ग्रामीण इलाके में जॉब की है। मैं दिल्ली एनसीआर में पला- बढ़ा था। ग्रामीण इलाके में सरवाइव करना बहुत मुश्किल होता है।
Sir is absolutely right.
To Bina job ke kya life chal payegi
@@SachinSingh-ci1iv भाई जी बिना जॉब के तो नहीं चल पाएगी।
सीधी सी बात है।
जॉब ना होने की स्थिति में तो व्यक्ति को जंगल में भी रहना चाहिए।
Joined a psu bank around 2.5 months ago as a PO ,what you said is very true i am posted in a rural branch and i travel 7hrs daily updown from my home. Literally this job is the worst, the work culture is toxic, the branch is understaffed and people are working in very poor conditions. Now my only target is to resign from this job in next 1-2 years.
Some background about me: i have been born and brought up in kolkata and in a fairly decent family from financial point of view.
Before getting job our Target - to clear bank exam
After joining bank our target- to resign as soon as possible 😂😂😂
I am also working in psb since 8 months , daily 3 hrs of updown from my home road condition is worst staff is also less
my advice to you bro start an alternate income and once your side income equals or more than your current salary quit the job and fully focus on alternative income
And meanwhile just be polite while talking to seniors whether you work hard or average it doesn't matter they always say
you are behind target
Bc ghar lele bank k paas.. 😂
5 days ho gya iss saal se to... Friday nikal ja Ghar 2 din enjoy kar ..
😂😂😂
Itna fairly decent family se tha to business karta .
Ni hua 5 days @@AdarshSingh-qd4lh
As a Banker har ek word teer sa laga dil pe.💀
Lekin har ek word sachai se bhara hai.
Fully agreed with your views. One point that I would like to add to it is that the bankers are also forbidden to express anything on social media even if the working conditions are made like hell. You just have to say positive things about your organization. It is pathetic.
I'm a PSU banker and I want to say If anyone here who is preparing for bank exam then plz it is a humble request that save yourself, Guruji has told less, the truth is even worse.
@@gr8sahil19 If you have done a decent education or have a professional degree, then leave aside the dreams of working in a bank, RBI or NABARD is fine, but apart from this, don't join any bank bro... you will get stuck.
😢... Tell me one thing before joining the PSU bank when u r preparing for the compititive exams ... Didn't u know this obvious toxic banking culture or meeting those unrealistic targets? .. .. .. then why were u preparing for this job at first place!!!?? ...
Ok fine u didn't know about the toxic culture at that time ... But now u know this .. then why aren't u just quit the job and join any compny in private sector or start your own business ?
@@outofthebox4652 I have spent more than 10 years in psu, in earlier days it was ok but The situation is getting worse day by day, now i am stucked, I have no other option, I don't have any good degree or education, I belong to a very small place in bihar, now at this age a new beginning is not possible. In current scenario when new batch join the bank, they understand the situation within 3-4 months and immediately start preparing for some other exam. Brother, the last thing is that the job in the bank should be your last option, join a government bank only when you feel that there is nothing else left to do. Ask any psu banker who has been working in a bank for 3-4 years, no matter which government bank he is in, talk to him once.
@@gr8sahil19lol. Kisi ke behkaawe mein mat aa bhai. Agar ache se prepare kar Liya aur exams bhi clear kar liye toh khud ki hi job lagegi... aur khud ko hi fayda hoga...
I agree ki banking job is tough in today's scenario lekin berozgar bethna bhi Kitna k asaan hai?? Kitna time banda maa-baap se hi maangta rahe... kam se kam khud kamane vaale toh bane.
@@mrdaman99bank m job lagne ke baad.. Kya option h work life balance, home posting??
I am working in NTPC (Maharatna PSU)
I am frm Bangalore,grown up in pure South Indian culture..
had a wonderful time till BTech completion..Then wrote Gate for psu..
Now i am posted in Bihar,In a small village..
As sir told,i have to use evry mode of transportation to reach here..
To go home once,i have spend 20k for fare only..
Difficult to find a girl for marriage, Culture is totally different,Food issues,All Hindi speaking people here..
Salary and work is really good,Nice township,chill life but far away from everyone..
Zomato and Swiggy doesn't work here...
But very peaceful if one like this kind of life..Very close to nature . Zero expenditure on lifestyle.. Everything is given by company..
Fruits vegetables all r so fresh and cheap.. Healthy lifestyle..
It is mixed opinion..Some people love this and some hate.. So choose wisely...
Haa after 6-7 years I ll get positing in my home state so not that much issue...
R u in NTPC Nabinagar?
Does such JD also applies to people in SBI and RBI too??
U working at NTPC kahalgaon?
Issue being discussed here is finance & PSBs, not ntpc
@@soumendash3911RBI is a very good organization.
I have been employed in the largest PSU bank for the past 15 years. What you are saying is absolutely correct. The work culture has become toxic, there is absolutely no sense of ownership at any level, and people spend their stints only to further their motives career wise or otherwise, even if it means resorting to unfair means. It is common practice to subdue instances of frauds and malpractices to protect the 'image' of banks and protect the puppets who dance to the tune of power hungry and egoistical bosses. Colonial practices abound and in any case I feel that ones talent is wasted here as processes and job roles are not well defined and frequently overlap. One day you maybe manager in a rural branch and provided you play the right cards and butter up the right people, you may end up in cushy roles of your choice in a urban or metro areas. I can write an entire book on such issues with PSU banks. I would advise meritorious youth to steer clear of such career paths, as its a trap, which will suck out all your happiness, leave you devoid of any will or self respect. The entire machinery is aligned towards destroying your professionalism and ensure zero personal growth or value addition. You are expected to be donkeys that carry burden and not provide any inputs or ideas.
Thanks
Yes, you are 100% correct sir. Education of children will be very badly effected due to transfers that too very far away places. No time to family even on holidays, tremendous pressure of targets!
I am 70 years old.
I bank with PSU 's.
I was not aware of such facts.
Enlightening.
Things were better in your time uncle. Thinks got so bad after demonitisation and covid
As a piece of advice i would like to tell you that u should never invest in any third party services like insurance be it health or any or any mutual funds scheme being thrown to u by these psb bankers as they are under huge pressure from their management to mis sell these useless products to any person who has got some amount in his bank account….please be aware of this thing and take internet banking and u can do ur everyday banking from their only if u are smart enough
That all modes of transportation is so startlingly true 😢
Know an uncle, who at age of 57 took bus, Train, jetty boat & rickshaw to go from Mira road to Alibaug!😢
It's tough nowadays in many jobs.
Survival for the fittest..
Every day is a challenge.
May god grant wisdom when you choose your profession.
Every word spoken by you is true to the core. You missed some points
Financial penalties, political influence which makes you accomplice in wrong doings, Non-compliance culture means your every step in general banking can lead to termination, punitive action because complying to millions of guidelines in million types of various work is simply impossible. Staff shortage(1 person does the job of at least 3 people) and public view of bankers (hardly 1 out of 100 people know how banking works and we are an enemy in their eyes). Lastly our pathetic management & poor infrastructure and third class IT systems which means we are fighting a war with card board made weapons while corrupt executives rusts eat our core.
That's why I have left Bank nd joined in Railway as a Junior Clerk ... now I have to commute about 40 kms distance from my home to office daily .. no work pressure like bank .. I enjoy riding my bike every other day ..
Keep rocking
good decision bro
Brother how did you get the job in railway as a junior clerk
@@mastershekchilli through RRB NTPC .. Railway Notification CEN 2019
I am still officer in bank
Spoken so truly....This is the true for General Bankers in PSU....right on money....and cannot leave now as i have taken loans for home, car etc. How can i pay all of them at a go before leaving...so will have to be here till death...
Everything you've mentioned is 100% correct. As a branch manager (PSB) for my organization, everyone in my branch is a dead body with a ventilator-induced life. You have bank staff benefits that you are unable to use, such as LFC, as you will not be given time off for them (no leaves). When you put pressure on a customer in a remote place to recover a loan, he may threaten you with a pistol. Senior treats you as if you're a genie that grants all of his ridiculous whims.
Its really 100% true sir what ever you explained in this short video , but its more than that toxic work culture exists in PSU's.
My self worked more than 12 years years in one of the PSU bank resigned the job recently without thinking of any alternate job or business due to worst work culture,so much pressure and i got all kinds of deseases like BP,Sugar, migraine headache,Gastric what not everything. Kindly request all younger don't choose bank officer/ PO job in banks as career😂😢.
Now searching/ looking for alternative career for livelihood.
Hmmm....may u find one soon 👍🏼
Same Story Here 😂
Thank you for making this, financial sector in India is hell
I am an officer working in PSU. Really hectic life. Away from family. Living in a small town or village. Truly spoken.
Bro , which bank
I am working for one of the leading PSB for last 8years and I can relate this video with me for 200%. I am from Kolkata and as I am not believing any chatukarita , they are transferring me from extreme South Indian village to North East, now I am a totally frustrated,away from my family, staying alone,living like a "Zinda lash" . Fucked up with my life by joining the bank, option are very less to go away this job. Don't want to work for it for a single second,if I have got any other option right now.
Are you a clerk or po?
As an ex bank employee I’m not sure why people have to suffer so much. I made extreme use of my branch manager position and passed many shady loans for big favours. Before things unfolded I left the job and now currently enjoying my life in Thailand. It’s all about how you make the most of it baaki Har kaam me tension hai yaar
What kind of big favours?
Sabash bhai
@@Asskicker14bribe
This is the way
May the force be with you
You are 100% right but your focus is mainly on placement. But I am also scale 3 Officer in a PSU Bank and actual position is too worst to imagine. PSU Banks are guided by Govt Policies but urban people expecting us to beat Pvt.Sector Banks even without proper infrastructure & Work force. We PSU Bankers are supposed to follow RBI / GOI / Finance Ministry/ SLBC / DLBC / IBA Guideline but there is no social recognition. Now there is no working hours and no family life also. We are supposed to work even Sunday & Holiday also to achieve unrealistic targets. Our GDP expected growth is 6-7% but Branch targets being fixed for minimum 20-25% annual. Now a days if you are not having Buttering quality then you can't get timely promotion & good placement.
Sir can you please elaborate about the unrealistic targets ?
buisness har kisi k bas ka nahi hai, lekin naukri sab k bas ki hai. Bcoz, buisness needs a multidimensional personality, whereas job needs single dimension.
As an ex-banker, I can confirm that sir has told the true scenario in PSU banking industry. I have seen rural, tier-2, tier-1 postings. And everywhere customers will come and berate you as if you are there servants. There is operational risks in everyday activities. And for good posting, you need to have good contacts in management.
Each and every word in this video is true at the best of my knowledge. I have also worked around 2 years and now resigned from one of the psu’s. Just one advise for those who are still stuck in banking: The early you leave the better opportunities will come for you.
Which PSU u have left brother ???
@@shivam-pf4mb now what are u doing bro?
Sir,
Working as Chief Manager. From Well to do family. Now posted at head office earlier work were up to 7 now superiors were unabashedly asking to sit upto 9 pm. And shamelessly delaying work so that they can right royally ask staff to come on week ends. To an extent officers and managers are somewhat insulated but so called executive cadres are made like dogs and thrown dog biscuits.
And the biggest trap is housing loan given at low interest. People getting 80000 inhand salary are given one crore loan. Once entered people cannot escape.
Need to escape this real bad . Please guide us guruji
but why did you took loan it's common sense you need to work for more 1 decade to clear loan
Sell the house
Naukri karne wala 1 crore loan 😅? Sounds funny and stupid😂😂
@@arun-kumar78 Bhai chief manager ko 1.5 Cr milta hai Home loan
You children must be lucky to have such a clearer thinking kind of father...want to see you children on this channel 💗
Aise loko ka mushkil se ek hi hota h vo b kabhi kabhi biwi se tlaak ho k uske sath hi chala jata h
@@sukhjindersingh3614 😂😂😂 splitting facts broo... 😂😂😂
I am working in bank for 10 years , my sisters are too in bank for 12, 13 years.
Let me make u very clear, if you are going for specialist positions like IT, Lawyer, CA etc its good. otherwise its not worth the money...
what guruji is explaining is a reality of general officers
Specialist post like IT .....agar ye join kre tb life kaisi rhegi aane vale time m.....work pressure aur promotion vo sb kaisa rhega?
@@GetupandRise tareef aur burai ek hi comment me😂.....so valo ko late tk rokte h ya vo time hote hi jaa skte h?
And Scale 4 p retire.. Agar bahut jyada achi kismat hui toh 5 and daily sunna ki Specialist toh kuch krta nhi.. sab kaam vendor krte hai and bringing new policies against you
Bhaiyya ji IT walo k L lage gue h bank me. Ragad k pele jaa rhe h
@@abhishekrathore9368 aisa kya kya ho rha h bro...
Thank you for the video . Today's time is different from what you experienced in your youth . Thank you again for exposing reality.
The problem is that jobs in other organizations of government are decreasing day by day. Recruitment in banks in thousands continues.
I also joined one of the PSU's after studing 2 yrs for government exams ,now I am in very small village of karnataka , Language is very big every day problem besides work pressure , target pressure. I have very less staff at branch because nobody wants to work there . I work as clerk as well as officer thats why I have to work late night and work on holidays.
Whatever sir said is 100% correct.
Bank job is good for ladies ,this was earlier concept, but now the reality is very different and very horrible.
One major thing that sir has pointed that "chatukarita" it is very common here, and if you are a lady and you do not do chatukarita male ego gets hurt immideately then they will make your life like a hell, so do not join any PSU if you have other options.
Which bank I am also stucked in Karnataka 😢..
I left SBI in 2017 and I don't regret it at all. I'm so happy with whatever I'm doing now. ❤
Now what are you doing mam
I'm recently joined SBI as a po in 2023
Idk what to do 😢
The reality is very different
@@notyoutype2090 I am an independent, professional writer.
@truthisbitter-su7brdo Kodi ki job hai koi bhi thok deta hai aake
Sir I want to leave plz help
I agree with what sir has siad about PSU banks and their work culture.. I'm currently working in one of the PSU and i was feeling that he has read my mind...whatever he was explaining was exactly the same about how I feel on a daily basis.. thanks a lot for your video sir
All that has been conveyed by sir in this video is 100% true as I can tell from my experience as a PSU bank PO. There is no work life balance at all. You can't think of leaving office before 7:30 sometimes even longer. Every day begins with a target and there is immense pressure of cross selling also then customers also don't respect you that much. Pathetic. I request all those preparing for bank jobs not to fall into the fancy trap of online coaching centers and don't just get motivated by seeing salary slips.
Bhai lkin kre bi kya unemployment itna hai , ssc ka toh process hi 2,3 sal me hota he pura or regulatory exams ka koi bharosa hi ni hai ki kb ayegi vacancy
@@poojayadav2442 are behen yahi to dikkat hai har jagah. Mein 2023 mein lagbhag crack kar gaya tha lekin Typhoid ho gaya. Ab samajh nahi aa raha 2024 mein kiski tayari karu. Rbi mein utni vacancy nahi aati, regulatory bodies ka koi ata pata nahi aur ssc cgl ka hi paper leak ka hi case aur kuch nahi to very late job joinings dene ke liye famous hai. Aise mein ham berojgaar kya karein jinhe job chahiye.
@@poojayadav2442 Exactly this is the problem. What about Bank clerk jobs.
Uncle Ji, baat bilkul sahi keh rahe he aap. Humare family me bhi log PSU bank me he. Bohot pareshaan rehte he sab. Me Bharuch ka hi hun. It's highly developing city situated between Vadodara and Surat. Bahraich is 10x lower than Bharuch. Bharuch_Ankleshwar Twin town is major Pharma Hub, Chemical Hub with likes of ONGC, Reliance, SRF, L&T and whatnot Chemical Pharma Industry.
Please call him sir or guruji.....he doesn't like to call him as uncle.
Following guruji from a long time . But i always thaught why guruji dont make the video on bankers . Finally here it is...... Guriji i m a banker and your audience also . No body were there to give such clarity before . However we really feel connected to your naukri series.
Late sitting , weekend working, remote area posting , unrealistic targets , sip mutual fund insurance advance recovery audit compliance customer service all that can not be handled by a person. He make some mistakes and always had to live like feared cat because of that mistake.
The message is perfect truth. I am a bank employee for past 18 years. The conditions among PSU banks are worst and still get degraded day by day.
Please don't get into bank jobs if you want make lively life.
If you get into, try to get out when you are young and don't take staff home loan as you get for less ROI, so that you will not get binded.
U have saved many lives.
Kas aap ne ye video 8-10 saal phele
Diya hota.
My life would also saved.
I am a banker and posted in supaul (as he said ) born and brought up in Munger (as he said ) , but still i want to suggest banking aspirants dnt join bank , i totaly agreed him
WORKED IN PSB FOR 25 YEARS BEFORE LEAVING. WHAT U R TELLING IS 100% CORRECT. WE R NOT ABLE TO TAKE CARE OF OUR FAMILIES, RELATIVES HARDLY KNOW US, FOR A DAY'S LEAVE WE HAVE TO LITERALLY BEG INSPITE OF WORKING 12 HRS A DAY. BULLIED BY SENIORS INSPITE OF WORKING HARD, CAN'T DECIDE LIFELONG WHERE TO BUILD A HOUSE OR SETTLE DOWN. SOCIALLY & FINANCIALLY DEVASTATED IS THE STORY OF MOST PSU BANKERS 😒😐😐
LEAVING A SECURED JOB IS NOT EASY, TOOK ME 25 YEARS TO GATHER ENOUGH COURAGE & BUILD ADDITIONAL SKILLs TO DO SO. STILL I HAD TO FIGHT OFF IMMENSE SOCIAL PRESSURE. NOW I M INTO EQUITY PORTFOLIO MANAGEMENT AND FAR MORE CONTENT & AT PEACE. NO TRANSFERS, NO 101 TARGETs THRUST DOWN OUR THROATs
PERFECT SIR!!!! This is the actual voice of a lot of youth from the big or medium cities, Our caliber is not being recognised here and our talent means nothing!! Good for the people from village backgrounds for whom such enviornment is okay and this salary is okay
I worked in Public Sector Bank for 11 years out of which 6 years as Branch Manager. Now i have left the Bank job 8 months ago, currently taking a career break. Hopefully will join private sector soon, will be happy even if i earn half of what i was earning in PSB.
Exactly sir ji don't know how others are doing still in banks with unlimited pressure.Pls be inform other alternate careers for us.
HO GAYA KYA BREAK. 6 MAHINE HO GAYE ABH TOH
I am from Kolkata, I am a great fan of yours. Thanks. You are honest, clear and what you say of North India, is applicable to the entire country. I plan to join your channel. Thanks again.
Sir is saying 1000% true
I am an officer in a psu bank
Pls don’t go for it.
Worst working culture
Worst work life balance
No mental peace
Your health will get detoriate day by day
Better to sell tea rather than doing job in psu banks
in which bank do you work ? At what designation ??
What about clerk?
100% correct what ever you said. Joined 2020 from past 4 years life become unpredictable. Though I'm coming from poor family with less education from me it still better but day by day moving towards middle class and all this like bad.
M too PSU banker.... literally u speaking truth...we doing our 110% but no recognition...no AAA coz we cant do chmchagiri...we only do work....we not spending much time with family....home far away postings....not easy to survive emotionally
Clear ho gya job... Smjh ni aa rha kru ya ni join
@@Amritanshu0 if u not having any earning sources u should n try to get central government job
When I was going to apply home loan from SBI bank, after finishing all the formalities and preparing papers, just one day before disbursing the loan amount, the bank manager is indirectly blackmailed me to take life insurance of premium atleast one lakh per year(total 5L I have to pay for 5 yrs ) then only he will disburse loan to me..... Earlier the same guy also forcebly attached a high premium insurance policy to my relatives when they are trying to open a locker in bank.. it's not the wrong nature of the bank manager... he is very good person but the management is forcing them to sell policies..
Sir, Its never easy for a ordinary person who is not in a govt. Job to inquire and that too get a correct answer because as you have asked us to inquire a PSU or a govt. Employee life how many people are bold and give the reality answer that yes my govt. Life is suck I am suffering and The decision i took was wrong how many people accept their wrongs and defects. So the first hurdle in giving the right answer to a random guy is that its like when someone ask how much money you make and then after knowing he or she tries to measure your worth the same thing he or she believes will happen after saying his life is not going well in govt. Job so its very hard to get the right answer if you have a close friend who shares his life qith you..its whag i feel
I am Preparing for bank and know all the realities..but already i have given 3-4 years in preparation so i am not thinking to divert but the reality is true.
same condition but planning to do something different
Right decision. U can opt for forex to get posted in bigger cities. May have to some extra courses.
Don't ruin your whole life just because you have given some amount of time. First analyse your surrounding. If you come from a decent family then go for something else more fruitful. If you are financially unstable then go for it. Everything depends on the surroundings and situations.
Teen saal chale gaye Life bacha lo
Abey 3-4 saal se kya saari life kharaab kr lega kya tu….sambhal ja abhi bhi
Ohh my god sir aapane bilkul thik kaha .Aap 16 saal pahle ye chij batate to mai ak banker se shadi nahi kurti Mai teacher thi ,inke transfer ke chakkar mai job se resign kiya.Mere bache ne itane school change kiye.Ab ye scale 3 hai itana job ka pressure hai ki BP ki dawa leni pud gaee.Bache ke liye time hi nahi hai.17 year job ke ho gaye VRS bhi nahi le sukte.Without pay chhuti bhi nahi mil rahi hai.Higher study leave bhi reject ho gaee.Kya kare 3 saal kaise katenge.Mai aaj jo log new comers hai unse kaha a chahati hu B.ed kur lo teacher bun jawo, private tution kur lo but bank mai mut aana.Clerk to fir bhi thik hai .Agar posting apane native place mai ho to..Kahi or job kur lena but Bank mai mut aana😢😢😢😢😢😢😢😢 .
72k rural mai salary h allowances leke
Aur 12.5k nps miltah total around 85k milta h monthly
Ye starting h
Aur sbi aur jyade h
Aur vehicle loan aur home loan simple interest pe
Paise ache h
Baaki inhone jo bola h sb sach h😂
Vehicle loan kitna h bro
@@ankitchandravanshi5786 Bhai Vehicle loan leke kya krega jab tumhari posting hi aise jagah hogi jaha 70-80 km door tak kuch hain hi nhi petrol pump tak nhi 😂
@@maheshkumarsharma8543 Bro..do you really think ki aj ke samay me bhi koi esi jagah hogi..jo kisi na kisi chote se chote gao se connected ho..or waha ek chota sa b petrol pump na ho
Aj kl har jagah par petrol pumps h
Even me khud chattisgarh ke ek gao se belong krta hu..or yaha maine kaafi travel kia h..mujhe aj tk do petrol pump ke beech me itna distance najar ni aya
@@sushilkashyap5209 bhai hain tum maharashtra jao waha hain
Jinke pass job nahi hai unse pucho ki kaun si naukri acchi kaun si kharab..
Majdoor jo dhoop me kaam kar rha hai fauji jo siachin pr khada hai usse to asan hi hogi bank ki naukri
Absolutely correct
im from Bihar nd working in psb in Mumbai since last 5 yrs , already got transferred thrice in d same region during this 5 yrs span . Being a bachlor sumhow i manage these frequent transfer but its very difficult for those staying wid their family nd bdw its not even easy to manage everything staying alone along with hectic nd stressful work nd office schedule....
Thats what i have been suggesting to my cousins and juniors,dont join PSB s and even if you join keep in mind that you have to crack other exam while in probation period.. PSBs are like black holes in job market
I am also a banker, have 1 year old baby and transferred so far, worst policy i have seen ever in life....
Better to quit the job and start anything
Wont recommend anyone to join banks ever in my life....
Yes she is very much right….psb job is worst and sbi & other psb’s HR department is a bloody joke
banking aspirants hit like😅
me be like " sah lenge thoda"😢
Thoda nahi hai
Life long chalta hai ye
Agar bank mein job lag gai toh tu ye tattoo krwa lena apni forearm pe seh lenge thoda aur fir roz sehna for 365 days a year
@@vhyuio abey theek hai
pahle lagne toh de
@@ajeetbarai189 taiyari kar chote uske liye yaha kaha kood pada tu comment section mein….yaha tujhe frustrated bankers pel denge….tu taiyari kar aaram se agar tujhe gyan sun ke samajh nhi aya to koi baat nhi seh ke hi aaega samajh
He is absolutely right, if you are not good at flattering and fawning, you will not get promotions even though you are talented, knowledgeable, smart worker, etc.
I am working for a PSU bank and based on my experience I can say that only those who are below average should join a PSU bank.
Shortcut for a good carrier at PSU bank, have a god father/ god mother.
Shortcut for a good Carrier , can u elaborate this point , what do u mean by this , currently in Graduation thinking of SSC and Bank , which is good ?/ plz Guide
Aap bilkul sahi keh rahe hai sir,im working in SBI and my husband is also in sbi.he was transferred to haryana from himachal last year.He doesnt get leave and visits only once in 4 months.Too much work pressure in bank..We are forced to sell insurance and mutual funds to customers
Why don't he come on unpaid leave? Are you also an SBI PO, In which circle ?'
There's always a bond of 2-3 years of amount 3-2 lacs in every PSU, that's why many people can't leave.
Also everything to the minute, tiniest details in this video is true.
Seriously?! Even in SBI ?
No nothing like this.. no bonds. You can leave whenever you want. Catch is you have to take NOC for appearing in other govt exams and once someone knows you are trying.. you will be given more work
@@akas.5458 there's always a bond bhai, I think you should ask people in other banks as well, for the post of PO there's always a bond.
Very true Guruji. I belong to Vadodara & For 3 years of my life I was living in interiror location of MP & RJ for my Private Job. The story is the same. Village audience, no social life, pay was great, but no satisfaction. A month back I changed my job near my hometown & I am happy now.
Vadodara mein kaha rehte ho bhai
Mai bhi udhar se hi hu
Absolutely True Sir, Im a PSB BANKER WITH 20 YEARS EXPERIENCE. THE ATMOSPHERE IS JUST TOXIC, NIL HR, NIL IQ, NO JOB SATISFACTION & NO RESPECT
main bhi bank exams de raha tha lekin ab mujhe asliyat ka andaza ho raha hai kyu jo khud bank me job kr rahe the wo bank ko chor ke padhane me lag gaye hain to smjh me aa raha hai ki jis chij ke liye itni mehnat karo phir baad me bhi waise hi jindagi kate to us se koi matlab nhi hai , thank God social media se kafi chijo ke baare me pata chal jata hai...!!
Kya kr rahe ab bhaiya
Main abhi Naya hu preparation me
Bhai khaali bhi toh nhi Beth sakte... Kab tak Maa-Baap ke sahare hi bethe rahe
U will thank urself later if u will prepare for something else than these good for nothing psb jobs….
Bhaiya main abhi abhi utra hoon is field main bank po ki taiyari kar rha hoon. Kya wapas mur jau? Ya continue karu guide me.
@@ANIKETShAw-vu3dd m bhi bank ki preparation kr rha hu
While i was doing btech I influenced a girl to not go for engineering studies...and her mom scolded me badly.
Then I joined psb...I did not try to influence anyone to not apply for psb...because I fear people will consider me as their enemy.
Before joining, few people told me govt job is not worth it...but failed to give amit sangwan level of clarity...and my bad I did not get influenced.
Sir please make a video of Carrer in Psychology.
Recently in a live video you mentioned that people who are studying Psychology will do extremely well for next 50 years .
So I really request you to make a full fledged video on this carrier pathway ...which branch one should select in psychology , etc.
Hello! I can help you
Could you help me? I have the sem question
@@PositiveLiving-xt5hohow can you?
True Sir. 100% facts disclosure done for PSU Bank.
So TRUE Sir.
And by the way Sir... you are looking so cool and handsome ❤
I have been posted in a remote village of punjab in psb but couldn't handle the pressure and locationso quit it after 1.5 years.I don't regret my decision
Absolutely right Sir..... I am working with PSU and your platinum member since long and the main purpose to join your channel is clarity and to find out the way to escape from my current profession and i am glad to write here that " Guru Ji Chakshu khul rhe hai " 😅😅
Is it beneficial to join platinum membership.
@@mdarifansarimunger it's really fruitful and worth it Dear