Federal Bank – The Private Indian Bank From Pre-independence Era

Travancore Federal Bank was the name of Federal Bank of India when it was established in the year 1931. It was inaugurated at Nedumpuram near Tiruvalla Kerala (Tiruvalla is situated south of Kottayam). It had 14 founders with Sri Oommen Varghese as the Chairman and Sri Oommen Chacko as its Manager. It functioned successfully for 10 years and then stopped all of a sudden due to health problems of the Manager Sri Oommen Chacko.

Then a Lawyer of Perumbavoor took the charge and managed it efficiently. The name of the Lawyer was K.P.Hormis. later in the year 1945 K.P. Hormis also became the Managing Director and shifted its Headquarters to Aluva. In the year 1947 the name of the bank was changed to Federal Bank. In the year 1970, it became a Scheduled Commercial Bank. After a series of mergers and acquisitions including banks at Chalakudy, Thrissur, Alleppey, Puthenpally, Thiruvananthapuram, and Kurundwad, Federal Bank became even bigger with larger financial turnovers.

It is one of the largest private sector banks and the prominent one amongst the old private group of Indian banks.

PRESENT STATUS:
Now the bank has its Headquarters at Aluva, near Kochi in Kerala. It is presently running 743 branches across 24 states in India. It now has 803 ATM’s across India. Of these 803 ATM’s there are 108 in Metro Centres, 224 in Urban Centres, 384 Semi-Urban and 87 in rural areas. There has been several high-profile sponsorships and other modes of advertisement including the title sponsorship of the popular Indian cricket franchisee Kochi Tuskers Kerala of the Indian Premier League or IPL. It is also the fourth largest bank right now in India in terms of capital base and is also listed in the London Stock Exchange in addition to the Indian stock markets Bombay Stock Exchange and National Stock Exchange.

ACHIEVEMENTS AND AWARDS:

The Federal bank of India has received many awards during its long journey since 1931 till now. Some of them are:
1. The banking technology Excellence Award for the year 2010-2011.
2. The Excellence Award for Second best bank among traditional private sector banks in Kerala.
3. The Great Mind Challenging Award for implementing the most innovative solution in Business.
4. Ranked number one in Economic Times Intelligence Group Survey.

SERVICES OFFERED:
The bank renders the following services:
1. Savings Bank Account.
2. Current Account.
3. Loans.
4. Deposits.
5. Debit Cards.
6. Fund Transfer.
7. Inward Remittance.
8. Online Bill Collection.
9. Bank Guarantee.
10. cash Management.
11. Demat Accounts.
12. Federal Pure Gold.
13. Gift Accounts.
14. Mutual Fund.
15. Safe Deposit Lockers.
16. NRI Banking Services.
17. Merchant Banking.
18. ASBA.
19. Visa Bill payment.
20. Master Card Secure Code.
21. Verified By Visa (VBV).
22. Online Tax Payment.
23. Mobile Banking -FedMobile.
24. Internet banking -FedNet.
25. Corporate FedNet.

LOANS:
It also gives Loans for various purposes like: Business, Agriculture an Rural, Housing, Educational, Travel, Personal, Car, Medical and Home Loans.

WORKING HOURS:
The Bank runs from morning 9 to evening 4 from Monday to Saturday. Sunday is a holiday. The Bank is closed on Public holidays. the timings are different for its Abu Dhabi Branch which works from 9 AM to 5:30 PM and this branch also works on Sunday.

Diseases Wreak Havoc in Cassava Fields in Africa

NAIROBI, KENYA – In Africa, demand for the cassava plant has grown significantly over the years. The continent produces 60 percent of the crop in the world. But the crop is drastically declining in East and Central Africa due to diseases that reduce production.

More than 160 million people in east, central and southern Africa depend on cassava as a stable food and a source of income.

Production of the crop has significantly dropped due to the cassava mosaic and cassava brown streak diseases.

According to the U.N. Food and Agriculture Organization [FAO], the brown streak disease is worse since it affects the root of the crop. These two diseases are creating havoc in Africas agricultural lands.

Improvements necessary

The acting head of the FAO in eastern and central Africa, Luca Alinovi, said the agency has invested to improve the situation in the African fields, but it is not getting better.

Doing right or wrong on cassava has a huge impact on the food security of the people in this region, has such a relevance in our daily lives that we tend to forget it because it appeared in a kind of technical discussion. And I want to bring to your attention that, although it is a technical issue it requires knowledge and requires research, said Alinovi.

The head of the European Union Rural Development and Agriculture program in Kenya, Dominique Davoux, said that over the years the cassava diseases have evolved, and there is need to invest in research to fight the diseases.

We supported the cassava initially, there has been [a] stop in the support, the research slugged [lagged] behind, and the disease reinvented itself [and] propagated again. We have to re-address the issue, said Davoux.

The FAO says a minimum of $100 million is needed to support clean farm production, disease surveillance and research, and market and micro-finance development across the cassava production chain.

Experts warn failure to do so means the cassava disease likely will reach Nigeria, the biggest producer of cassava in Africa.

Agriculture Industry In India

Agriculture in India has a long history. Since more than 10,000 years majority of Indians are dependent on the industry. As agriculture is counted the main business of most of the people, it plays a significant role in the overall socio economic development of the country. According to the Annual Report 2009-2010 of the Ministry of Agriculture the total geographical area of India is 328.7 million hectares of which 140.3 million hectares is net sown area, while 193.7 million hectares is the gross cropped area.

Among world nations, India is the largest producer of fresh fruits. It mainly produces Sesame seeds, fennel, badian, jute, cashew nuts, pulses, ginger turmeric, mangoes, chillies and peppers. India holds the second largest population of cattle. It has around 281million cattle.

It holds the second position in producing cashew, cabbage, cotton seed, fresh vegetables, garlic, cardamom, onions, wheat, rice sugarcane, tomatoes, coconut, ground nut, tea, green peas, cauliflower, potato and inland fish.

India is a country which produces tobacco, rapeseed, coconut and tomatoes in large amount. So, it is called the third largest producer of these produce. The Indian Agriculture Research Institute (INRI) was established in 1905. INRI was responsible for the research leading the Indian Green Revolution of the 1970s. The Indian Council of Agricultural Research (ICAR) is the apex body in agriculture and related fields. They have to look after all researches and education of the related field. The union minister of Agriculture is the president of ICAR. The Indian Agriculture Statistics Research Institute looks after and develops new techniques, and they design the experiments, analyses data in agriculture and they develop the strategies to get maximum from animal and plant breed. However, Government of India has set up Farmers Commission to completely evaluate the agriculture program but still farmers are facing some problems.

According to World Bank : Indian Branch the allocation of water is insufficient and unsustainable. The irrigation infrastructure is deteriorating. At some places the overuse of water is currently being covered by pumping facility but as these are falling by foot of underground water each year, this is a limited resource. Secondary, farmers in India are mostly illiterate, socially economically backward or incapable of developing new ideas. They are inadequate or inefficient to implement fast and progressive actions. Farmers are facing the problems of finance and lack of marketing services for farm produce. Still as agriculture being the Indian business, future of agriculture in India is bright.

Government is taking active interest in agriculture and it is giving the highest priority to it. The Tenth Plan allocation was comparatively lower than 11th Plan. The 11th Plan is considerably higher over the 10th plan. An amount of US$19 billion has been allocated for the Ministry of Agriculture during the Eleventh Five Year Plan. Agriculture is one of the strongholds of the Indian economy and accounts for 14.6 percent of the countrys gross domestic product (GDP) in 2009-2010, and provisional percent of the total export is 10.23 percent. Moreover, the agriculture sector, provides employment of 52 to 55 percent of the work force.

As per the Centre for Monitoring Indian Economy (CMIE) farm output will grow by 10 percent to 114 million ton (MT) in the Kharif season, while in winter season( Rabbi season) is expected to increase 2 percent that will be around 116.6 MT. According to Agricultural and processed Food Products Export Development Authority (APEDA) Indias exports of fruits, vegetables, cereals and processed food products was worth US$ 1.14billion during April May 2010-11. Middle East, Asia, Africa, and South America are developing countries in which 70 percent of the Indias agriculture and processed food is being exported.

This data makes it absolutely clear that Indian Economy is largely governed by the Industry, which is still largely dependent on the uncertainties of rainfall and other natural forces. We have a social responsibility to support the agricultural industry in every possible manner.

URL: http://www.made-from-india.com/article/Agriculture-Industry-In-India-821.html

Abu Aly Alibhai Aziz, Dr., Missionary

Varas Amir Chand (1837-1911) sprang from a noble family of gupti Ismailis in Punjab. He was employed in a governmental department in Amritsar and retired in 1880. He inherited land from his forefathers, and became one of the most famous landlords in Punjab. In 1882, Imam Aga Ali Shah appointed him Kul Kamadia for Punjab, Frontiers and few regions near Afghanistan. He performed his duties with such marked distinction that during his first visit to Amritsar in 1897, Imam Sultan Muhammad Shah appointed him Mukhi on January 1, 1897 with a title of Varas for Punjab and Frontier province, including the regions lying on the borders of Afghanistan. He also travelled with the Imam in Sialkot between January 2, 1897 and January 11, 1897. Varas Amir Chand visited Bombay several times. His last visit took place in the middle of 1908 and gave valuable and informative statements twice in court during the Haji Bibi Case on July 28 and July 29, 1908. He is also credited to have converted a portion of the depressed class to Ismailism, as well as helping them financially to run their cottage industry.

In 1911, he died at the age of 74 years. Varas Amir Chand was also consigned to collect the tithe from village to village. His task pushed him to indulge in a daily meticulous procedure, which consisted of washing his hands and fingers. And one meritorious illustration, whose equal seems to have not yet came on record, was that he made a secret will to a certain person that after the ritual bath of his dead body, he must wash his hands and fingers at least thrice with soap, so that no smell emaning from the Imams coins remained before interment.

Varas Amir Chands son Bhagvandas mostly served the local jamat in Amritsar. His son Panalal was however much active, who kept the torch of service burning.

On January 20, 1914, the Imam summoned about eight prominent leaders of the gupti jamats of Punjab at his residence in Poona, in which Panalal, the father of Abu Aly was also included to discuss the revelation of the gupti Ismailis as Muslims in Punjab.

There was a minor group of Hindus in Kabul, headed by Bairam Diyal, who professed the Ismaili faith secretly. The local Ismailis in Afghanistan, however, knew them well and deposited their tithe to them, who in turn remitted it to the Imam in Iran, then in Bombay. In 1915, Imam Sultan Muhammad Shah sent a special message through Panalal, asking them to wear Muslim costumes and assume Islamic names. The Imams call created a salutary effect upon the people and Mukhi Fakir Chand in Kabul was the first one to apply the Imams recommendations. With the efforts of Panalal, the Ismailis in Kabul received a new lease of life and immersed themselves into Islamic traditions through Ismailism.

On November 18, 1916, the Imam commanded them once again to submit to their faith publicly and to abandon the Hindu customs by assuming Muslim names. On that juncture, the Imam gave new names to these eight leaders, including the names of their fathers and children. Abu Alys father, Panalal was named as Ali and his grandfather, Bhagvandas became known as Aziz. Alibhai Aziz also dedicated all of his time to serve the community. He was selected as a member of The Aga Khan Golden Jubilee Celebration Committee from Punjab, whose first meeting was held on October 12, 1935 in Aga Hall, Nesbit Road, Bombay.

Abu Aly, the son of Alibhai Aziz, the world-renowned senior missionary was born in Amritsar, India on August 21, 1919. His early education started at the age of 4 years at a Hindu private nursery school, conducted by a Brahmin pandit. He then attended a private Primary School located in the Government High School in Amritsar, and finally followed the science stream in Saint-Xavier College, Bombay. He also attended a Madressa to study the Koran and Hadith at the age of 7 years as an extra-curricular activity. He also studied architecture, agriculture and law, notably the Islamic jurisprudence.

His religious education started the moment he could sit in his grandfathers lap, the sage Kamadia Aziz Ali. In Bombay, he had the opportunity to expand his knowledge by interaction with missionaries, such as Pir Sabzali (1884-1938), who was his mentor from childhood, Chief Missionary Hussaini Pir Muhammad Asani (1878-1951), Ibrahim Jusab Varteji (1878-1953), Alibhai Nanji 893-1978), Sayed Muhammad Shah (d. 1945), Sayed Munir (1882-1957), Sayed Mustaq Ali Didar Ali and many others.

Due to his linguistic skills, he was called upon to serve in the civil and military censor office. Incidentally, W. Ivanow (1886-1970) recommended his name to handle the task of scanning the public mail. Thus, he had the privilege of having worked across the table with W. Ivanow for five years during the Second World War (1939-1945).

In 1938, Imam Sultan Muhammad Shah commanded him to join the Ismaili Mission at the Recreation Club Institute, Bombay, and within a short time, he acquired the necessary skills and attained great proficiency in mission field.

He played a key role in the arrangement of the Diamond Jubilee of the Imam in 1946 and participated in different committees. The Imam selected him to recite the ginan after the recitation of a Koranic verse by a Syrian Ismaili on March 10, 1946 in Bombay. The Imam graciously graced him with a special robe of honour and a golden turban.

The first Ismaili Mission Conference was held in the auditorium of the Aga Khan High School, Dar-es-Salaam to discuss the religious education and the training of the missionaries and teachers. The Imam inaugurated the Conference on July 20, 1945 and told the delegates that the Africans should no longer rely on missionaries from abroad, but produce its own manpower in their Mission Centre.

Soon after the Diamond Jubilee, the Imam ordered Abu Aly in Bombay to take over the charge of the Mission Centre as its Principal. He came to East Africa in July, 1946 and was destined to attend the Diamond Jubilee Celebration on August 10, 1946 in Dar-es-Salaam. According to the wish of the Imam, the Mission Centre was opened on May 10, 1947 at Dar-es-Salaam under the administration of the Ismailia Association for Africa, Mombasa. Alijah A.G. Abdul Hussain, the President of the Ismailia Provincial Council, Dar-es-Salaam, performed its inauguration ceremony. This Mission Centre took the standing of a college, producing several trained missionaries and religious teachers.

*)He was the President of the Muslim Association for Tanganyika for 3 years (1950-1953). When Tanganyika liberated on December 9, 1961, the Prime Minister Rashidi Kawawa invited the Muslim ulema and scholars to assist the government in including the Muslim law to the New Constitution of Tanganyika. One of them was Abu Aly in Dar-es-Salaam, known as Shaykh Abualy A. Aziz. He also exhorted Islamic education for two years (1962-63) in the course for Adults Programme under the University of Dar-es-Salaam.

The first Conference for reviewing the rites and ceremonies with the members of the Executive Council for Africa was held on January 10, 1964 in Mombasa at Count Fateh Ali Dhallas residence. Dewan Sir Eboo Pirbhai, Count Ghulam Hussain Ismail, Wazir Madatali Count Mulji Nazarali and Wazir Abdul Malek R. Kassim Lakha attended it. Missionary Abu Aly was also invited, including Missionary Ghulam Ali Shah, Alijah Ghulam Hussain Juma Haji, Jaffer Ali R. Budhwani and Noor Mohammad Rehmatullah. It was followed by another Conference on September 24, 1964.

During the gracious visit of Hazar Imam in India at the end of 1967, he was requested to deliver waez to the jamats, who were extremely touched by his words. The Mukhi and Kamadia of Darkhana jamat, Bombay sent their report to the Imam on December 27, 1967, to which he replied:

January 6th, 1968
My dear Mukhi and Kamadia:

I have received your letter of 27th December, and I give my most affectionate paternal maternal loving blessings to all my beloved spiritual children of the Bombay Darkhana Jamat.

I am very happy to hear that my jamats of Bombay and Suburbs took a keen interest in the waez given by Missionary Abooali in various Jamatkhanas.

Kindly convey my best paternal maternal loving blessings to Missionary Abooali for his devoted services during his visit to India.

You should find out from the Ismailia Association of Tanzania whether Missionary Abooali could tour to India every year for at least a month, if not two months, and then communicate the Associations answer to me.

He also attended the grand Waezeen Assembly in Bombay inaugurated on December 10, 1967, and presided by Itmadi Ghulam Ali S. Morani, the then President of the Ismailia Association for India. He delivered informative lectures and dealt with the question/answer session on December 16, 1967. The President prepared the report of the assembly and sent it to the Imam on January 10, 1968. The Imam replied as follows:

He also attended the grand Waezeen Assembly in Bombay inaugurated on December 10, 1967, and presided by Itmadi Ghulam Ali S. Morani, the then President of the Ismailia Association for India. He delivered informative lectures and dealt with the question/answer session on December 16, 1967. The President prepared the report of the assembly and sent it to the Imam on January 10, 1968. The Imam replied as follows: January 29th, 1968
My dear President:

I have received your letter of January 10th, and I have read your report with much interest.

I am happy to hear that the Waezeen Assembly held on the 10th December at the Dharkhana Jamatkhana was well attended by my spiritual children and I give my best loving blessings to all my beloved spiritual children who participated in the Waezeen Assembly.

I give my best paternal maternal loving blessings to the following missionaries for their devoted services to my India jamat:

Missionary Kassim Ali M.J.
Missionary Abooali
Missionary Noormohomed Rahimtullah
Missionary Noordin Amlani.

Missionary Abu Aly A. Aziz is a global itinerant and has travelled extensively. He visited Tajikistan in 1995, where 72 years before him, the famous Missionary Pir Sabzali (1884-1938) had set foot in 1923. There is perhaps not a single Jamatkhana in the world where he has not delivered a waez. Behind all his success is his personality, so attractive that he won the hearts of millions who have never even seen him, but have only known his incomparable services for the Imam and jamats. In his missionary framework, he is seen as a creative, courageous, and patient. He is ambitious, but does not let himself be blinded by his personal interest. He labours for his faith not for own sake. With his talent and invaluable services, he was blessed with the titles of Alijah, then Rai.

Missionary Abu Aly A. Aziz is a global itinerant and has travelled extensively. He visited Tajikistan in 1995, where 72 years before him, the famous Missionary Pir Sabzali (1884-1938) had set foot in 1923. There is perhaps not a single Jamatkhana in the world where he has not delivered a waez. Behind all his success is his personality, so attractive that he won the hearts of millions who have never even seen him, but have only known his incomparable services for the Imam and jamats. In his missionary framework, he is seen as a creative, courageous, and patient. He is ambitious, but does not let himself be blinded by his personal interest. He labours for his faith not for own sake. With his talent and invaluable services, he was blessed with the titles of , then .
He started his mission career at the age of 11 years. His life now bridges a long span of 83 years, in which more than ten thousand lectures, speeches, and deliveries are on record to his credit. Ever since the taperecorder appeared commercially at the beginning of 1950, his lectures and speeches have been preserved which are in tune of about 3000 audiocassettes, circulating around the world among the Ismaili jamats and to some extent among other communities.

He also uses his poetic skills to lyrically express in Urdu his ardent love for the Imam. He is gifted with a vivid intellect, with a conspicuous literary talent. Being a man of literary genius, he gained the opportunity to carry on his literary pursuits and became a frequent contributor to different periodicals. No less than a trenchant writer, he published 19 books and booklets and some more are forthcoming. He is well versed in English, Urdu, Persian, Arabic, Gujrati, Punjabi, Kutchhi, Hindi, and Swahili. His famous works are Jashan-i Golden Jubilee (Urdu, 1936), Radde Batil (Gujrati, 1947), Anant Akhado (Gujrati tr.1947), Zahoor-i Haq (Gujrati, 1948), Mazhab-i Ismailia (Gujrati, 1948), Religious Correspondence Course – three volumes (Gujrati, 1948), Divine Gems (English and Kiswahili, 1955), Fuhari Ya Islam (Kiswahili, 1956), Ismaili Dharmic Course (Gujrati, 1957), Christianity from its own Sources (English, 1961), Pork-Its Prohibition in Islam (English, 1961), Ghadir-i Khum (Gujrati, 1969), A Brief History of Ismailism (English, 1974), etc.

He is well versed in the literature of the ginans and steeped in the Ismaili philosophy and history. The most significant feature of his waez delivery is that he provides the materials to the jamat in accordance with the demand of the time and is so lucid that the listeners remain attentive for many hours. Those who have heard him on a platform are aware of the brilliance of his unmatched oratory.

After spending almost 40 years in East Africa, he now lives in Vancouver, Canada. His mission, which he has started at the age of eleven years, still continues. He also spends time replying to his many well-wishers letters.

Missionary Abu Aly believes that a man is never too old to learn. It is good news to know that he obtained his doctorate degree of Ph.D. on April 30, 2001 from the Senior University International, Wyoming, U.S.A. after studying for 29 months. His thesis, Miracles and Gnosis, described the life and work of Pir Satgur Nur in 200 pages.

It is through his own effort that he rose from a very humble position in life to the summit of greatness. May Mawlana Hazar Imam grant him a long life, health and courage to serve the world Ismaili community more and more till his last breath, Amen.

Is Composting The Future Of Landfill Diversion

As there’s pressure from society regarding organic waste collection and the production of greenhouse gases mixed with targets of landfill diversion, a few are really trying to observe the manner in which they’ll attain their objectives. Generally, composting tasks are the greatest fix for creating landfill diversion initiatives, yet unless a local composting place exists already for getting the organic waste, not many can pay to construct a new place. A composting project takes a long time from idea to implementation. Before you can make an intelligent decision there are many things you should know.

Along with the beginning costs of a composting operation, earning community acceptance is critical. If locals complain about the smell, noise, more vermin, traffic, and fire risk, the task may be over prior to ever getting out of the committee.
Expenses include transportation, new procedure implementation, collection, quality control, consultation, tests, and more. After operating for a year, most find themselves over-budget.

It is another story in the Memphis area. A new in-vessel vertical composting unit has been designed by Agra Cycle. (VCU for short) named the Vee-Stack. While primarily operating within the UK and Australia, VCU’s has an over 30 years global presence, and is known for its extremely high composting standards. They have found ways to make the manufacturing process less expensive than those made overseas.
The Vee-Stack will help corporations and municipalities meet landfill diversion goals, provide greenhouse gas reduction, organic waste composting, and sustainable recycling and agricultural processes that provide carbon credits.Public Relations is where the key is. The PR for an environmentally sound, sustainable recycling project are enormous and timely. Composting is a bi-partisan activity which everyone can lend support to; and, it creates a better sense of community awareness. Those citizens who come forward without any motivations for improving the soil and cleaning the environment creates pride.

According to Agra-Cycle, “There are two keys to operational success using a Vee-Stack. The first is with the organic waste processing: there must be a balanced proportion of carbon and nitrogen. Then the pH values must be adjusted, followed by precise moisture control, and finally loading into the Vee-Stack. Agra-Cycle takes care of a big headache for the customer.

The second part happens with the normal draft induction process. Air enters the Vee-Stack from the bottom which greatly enhances the composting process in the chamber. If you know what a chimney fire is then you get a good concept of how the Vee-Stack operates. When thermal patterns increase in the stack, microbes which do well at greater temps become alive. In most cases this is referred to as the Stoichomatic range. For traditional composting techniques, these thermal ranges pose a fire threat and must be avoided no matter what, yet with in vessel building these temperatures are harnessed for process promotion. The fear of fire is eliminated from this process due to the high moisture content. The microbes eat all the smelly gases and hydrogen sulfides that create problems with other methods of composting. The machine basically functions as it’s personal bio filtration system. The Vee Stack is totally self contained; and, it even gathers and recycles leechate back into the system so that it can be composted, also.

Sustainable recycling involving local companies and communities, to prevent landfills, that is our goal. The Vee Stack can be custom made according to what you need and the size requirements. We also watch over, upkeep, manage the Vee Stack and take away the finished substance. Process your organic wastes consistently and for much less than you are currently paying for disposal by using the specialized knowledge and experience provided by Agra-Cycle.About ten tons of organic waste per day can be processed by continuous use of Vee Stack. The effects increase with the addition of more units. Depending on the organic waste used, the process can take between 14-21 days to complete.
Along with the said advantages, the cost incurred in getting rid of waste comes down by about 25%. Now this is how we define sustainable. Agra-Cycles is the sole proprietor of this technology and they are very committed to the mission of implementing sustainable recycling project in their home state of Tennessee, not as a preference but as a priority. Based in Tennessee, non-profit corporation Agra-Cycle promotes agriculture which can be sustained as well as providing resources of an educational nature. Every contribution is completely tax deductible. Please contact your tax professional for the most up to date tax laws.
Copyright 2010 Greg Traver