Gurmeet Sethi

Ex-NDA,Lt.Col (Retd.)from Corps of Engineers with 23 years of varied service. Heading PT Chandigarh since 1998 and trained more than 6000 students for top level B Schools (with more than a 100 to IIMs alone including 2008 CAT topper!).

You are visitor number :




DATA: THE NEXT BIG REVOLUTION


Elisa/ Echo/Siri are becoming common household names and the use of these gizmos being flaunted by us as new found passport to be counted "In". During my last US trip I wanted to buy Echo, when my brother (a Computer Science Professor in US) cautioned me. "Do you wish to compromise on your bedroom privacy?"

The above is just to illustrate as to how serious is the business of data mining, AI and how relentlessly it is being pursued on naive and gullible consumers and more than happy people waiting to flaunt their new found pastime. We are reckless, more than eager to part with ,what we consider as info of no concern to anybody. Could this be considered as "Recycling and mining from waste?" 

Lets take a look at Linked In! When you join, in the fine print they made us agree to a declaration that says , " Any information submitted is at the user's own risk of loss."
There are no comebacks, no erasures or delete buttons! There  are billions of Face Book users who happily share their minute to minute details on the net.

This is the new intelligence gathering mechanisms in today"s fight for supremacy.  
 Reminds me of the Trilogy written by Alvin Toffler, way back in 70's: Future Shock, The Third Wave and The Power Shift ! Wish he was alive to see the next Shock,wave and the power shift that has come faster than expected !

The new revolution is -  the Data revolution!  Data is Power and Power is Data!!
We are laggards in the field of Artificial Intelligence, with maximum number of patents having been filed by the Chinese. Companies  such as Alibaba and Tencent, who  have been building data at a fast pace.

Crime and Terror are the new face of our future wars! Hope this shall allow us to understand the new doctrine and downsizing of the conventional war machine, both in size and status.
https://ssl.gstatic.com/ui/v1/icons/mail/images/cleardot.gif



Remembrance:   GHD Duleep Singh
Martyr-IPKF , Sri Lanka


 A Mem’oir by:  Gurmeet Sethi

The Course has decided to take up 02 January of each year as “Remembrance day”. A noble idea indeed in memory of our late course mates. I in my own way decided to pen down a few lines about one of Indian Army’s  first casualty, as part of the IPKF in Sri Lanka. Maj GHD Duleep Singh, Madras Sapper, ex-Charlie Sqn of our course. I do admit I do not have all the facts with me, but would try to pen down the Duleep that we all fondly knew!

GHD Duleep Singh was assumed to be a Sardar, till he appeared before you in flesh and blood. Till date I do not know what does GHD stand  for. Duleep Singh is what we knew him as!
A Jaffna born, Tamilian to the core.  Amravathi Nagar Sainik School educated. He was black , no black is not the word. Shining jet black as coal, with sparkling white teeth.Once we spotted him using “Fair and Lovely”. We would joke, as to why was he bent upon proving the product a failure! His dancing eyes and ever smiling face could disarm his strongest opponent. So soft spoken was he, that you had to guess what he spoke. A person with a heart  of gold and compassion , who could not hurt a fly. Yet he was tough as steel, had one of those perfectly chiseled bodies. A gymnast par excellence, He could bend his body like a hair pin. Could do standing back flips. He was a marvel to watch. He fitted the definition of “ Tall dark and handsome” to a glove.
Duleep was a cadet, for whom the pace of NDA did not matter. He moved as per  his own timings. Woke, when he felt it was day; ate when he felt he was hungry ; could stay fresh the whole night!  Half the term Duleep would sleep through his classes. Even  his orderlie would know that behind locked cabin doors, slept a cadet called Duleep Singh, for whom nothing mattered. Even when the Deputy strode down the corridors of Charlie squadron, Duleep could sleep oblivion of the world outside. An ardent smoker, despite the strict rules, could not deter Duleep from his smoke. Even a borrowed bidi would do! Drill ustaads could not understand Duleep, neither as a person nor his origin. Restrictions and Singhads were thus earned aplenty and Duleep would often be seen on his Sunday outings. PT ustaads loved him , as Duleep was good at the high horse, mat work or the ropes. Did he earn a PT Blue, I am not sure, but he certainly deserved it !
Did not happen to see much of Duleep at IMA. Duleep was commissioned to the Madras Sappers and was perfectly at home with the Tambiis. We met again on Engineer YOs and Degree Engineering at CME..
Degree at CME was fun and Duleep thoroughly enjoyed his three years as a bachelor. He gave sleep less nights to our course senior , a gentleman from a senior SS course .He was new to understand Capt Duleep Singh , on whom nothing would work. He ultimately, gave up accounting for Duleep.  With more and more coursemates gradually  getting married and moving out with their families, Duleep could be seen missing out on his friends . A few die hard bachelors remained like Gautam Mauzumdar, Subodh Bhatt, Sanjeev Rattan  and a few others. Duleep could be spotted moving gracefully on his bicycle. He was a rare  sight but could be seen once in a while. He would often borrow bikes from whomsoever, for his Pune trips.  Duleep was becoming a loner .Love for the peg and smoke had engulfed him. It worried us a great deal. Duleep, however was extremely sharp and could clear all his exams over last minute studies.
Duleep moved to his unit 8 ER, after his degree at CME. He was immensely popular with his troops. The Regt moved to Jaffna,Sri Lanka as part of IPKF . Duleep was thrilled and perfectly at home at his birth place. Duleep moved about in a ‘bindaas’ manner mingling with locals and establishing rapport gathering valuable inputs. The built up areas in the region had been declared out of bounds. But, nothing could stop the brave local lad from striding out. Duleep had not known such strictures, he had learnt to live life on his own terms. Duleep with another JCO strode to check a booby trapped house, as part of a routine mission. He did not suspect his own people to trap him . These after all were friendly Jaffna Tamilians who had been trained in laying IEDs and Booby traps by MEG, Bangalore.
Duleep was blown to tithers , the moment he opened the door of the booby trapped house. Another JCO killed and yet another JCO and an OR injured.
IPKF bought its first casualty. It became news. We read it with grief and sorrow . We had lost an admirable course mate who knew no boundaries, knew no rules, lived and died at his own terms .
Duleep was survived by his long widowed mother, a brother –whom we had met at CME ;was a budding dialogue writer and was looking for a break in Tamil films.

Rest in Peace, dear Duleep! All your coursemates mourn your death , this day the Second of January, each year !



Our Senior Subaltern is no more !


A Remembrance


Our Senior Subaltern is no more!

Col Harinder Pal (retd) died of multiple organ failure, with his liver affected 90 percent on 17 October 2018 at his home town Patiala.
Harinder was commissioned, a direct Lieutenant as a Technical Graduate from Thapar, Patiala. He joined the family of One One Zero , Bombay Sappers in 1976 .
The young rustic lad , spoke English with a heavy Punjabi accent and his punjabiyat showed in  his every day mannerisms. A bold guy, who would not hesitate to call a spade a spade and who would always  make it a point to express his opinion  albeit in broken English.
Harinder , became my senior Lieutenant, as I only had a sparrow shit on my shoulder although I had joined the paltan before him. At Chandimandir, life was hard under the canvas. Much to the amusement of all of us Harinder did not join us alone, but came along with a young demure, pretty wife. It was love that had been waiting to fructify ever since his Thapar days. Commissioing came as a blessing and the love birds ran away from their homes to get married, with no where to go. In fact Guddi’s (Harinder’s wife) parents learnt of it much later!
Harinder was allotted a Lieutenant’s accommodation on “passionate grounds”. Bachelors were delighted to have an alternate place to visit to dine and unwind. To our surprise Guddi was without the where with all. No household things, no cookware, no crockery, no glasses (He was expected to survive on love and fresh air!) . Yet, we youngsters were comfortable with bread and eggs smashed over a single pan, cooked over an unreliable heater. Guddi and Harinder never complained and were the perfect hosts. He was fond of his Contessa rum and would place it on the table for anyone and everyone who wanted to help themselves.
One evening, Our CO whom we youngsters hardly saw, announced that he would be dining in the mess along with the first lady and that he had also invited the Bridade Commander, his wife and their pretty daughter as well. The youngsters were given instructions. A quick menu charted out and orders passed to the mess staff. The Mess secretary, asked the youngsters to behave, play light music, if possible cook up some light entertainment and be well dressed and be present before the arrival of the guests. Our mess was in a big Store tent. We moved the arrangements out with dim lighting to add to the ambience. Harinder was well on time with Guddi looking as pretty as ever.She was the junior most lady. The guests took their time to come. The evening settled down . Our CO nor the Guests had any great affinity to drinks. Soon, the light music stopped, and to our amusement Harinder’s coarse voice roared over the mike , “Gooodd Evening , Namaskar, Aadaab…..Haazreen and Nazreen!”. We could see the COs face go tense.  Harinder to his mind was certainly not the best of choices for this role. And that too in the presence of the Brigade Commander and the ladies. Our MC was not to be intimidated, as Contessa had warmed him up for the event. He rattled out an Urdu Couplet much to the amusement of everybody and applause of us youngsters trying to encourage our Senior Subaltern. Nobody, seem to understand it. Harinder followed it up with a lengthy explanation in his heavily accented English! We could feel the CO go red, but nothing would stop our show. One of the smartee, who in a co rner was trying to warm up to the young lady guest, was unceremoniously interrupted by the waiter to meet the CO. Soon, Harinder was whisked away. One stone, two birds!!
Such episodes could never dent Harinder’s spirits!
One fine day, Harinder and me were asked to report to the Brigade IO. We were asked to proceed by road from Chandimandir to  general area in Anupgarh (Rajasthan), in two self contained jeeps with trailers for the next 12 days to carry out map upgradation of jeepable tracks across dunes.This was a prelude to winter Formation exercises. We both were thrilled at the idea of travelling over 500 Kms  across States in Jeeps all by ourselves. We had no idea of the challenges that the task would pose,
We as youngsters were given the jeeps by the MTO befitting our ranks, and drivers who may have lacked in driving skills but certainly not the will to drive the Willy Jeeps. We collected a team of three each, a driver, a draughtsman and a helper. Dumped some spares,  Jerry cans  filled with Petrol,  dry Rations , maps, binoculars, compass and some tentage. We had no idea what the deserts were like except from our IMA prĂ©cis. We were put on ration money, as we were not to touch any Formation stations enroute for refill, other than in the initial leg of our journey. What we were to soon realize was that we were to operate close to IB .
Both jeeps, headed in a picnic like manner, merrily cruising . I drove, as Harinder was not adept and sat in the co-driver seat. Summer Punjab heat was biting. We would drench ourselves and did most of the driving at night with halts. Ate at dhabas and enjoyed the sight of truckers whizzing. It was an uneventful smooth journey and early morning we made to our planned camp ,an Inspection Bungalow of the PHED, Rajasthan. We were amongst the dunes, colourful village folks,  camels and dhaanis.
We dumped our stuff, our helpers and set about planning for our task after a  four hour nap and a quick bath. There was no Lunch to be had, just pooris for breakfast and expect hot dinner, once back. Soon , the enormity and complexity of the task began to grip us. The jeepable tracks were so many. Each would fork off. Some would suddenly disappear across the dune. We decided to divide our areas. We had no clue where to start and after finishing for the day , getting back to the camp was an exercise in night navigation ! Camp had to be shifted after some days. We were tanned, under nourished, parched and many a times at our wits ends . But, never were we short of our anecdotes and jokes for the day. Harinder was fun to be with. His evening tot of Contessa , gave him sound snoring sleep.
One night, Harinder did not reach the RV.  I had nowhere to go, but to wait. Patience was running out. I tried venturing up and down in my jeep with his helper. It was 2 a m already, We did not have radio communication. Torch and vehicle lights were my only aides. Far away on a track I saw a dim light moving slowly across the dunes. I drove like mad to reach the light, it would soon vanish. I kept persuing, as that was my only hope. I thought the whole exercise was crazy. A while later I could clearly see the lantern light and the jingle of the camel cart.  I drove towards it. My orientation had gone for a six. As I caught up with the local camel cart, I asked the local, if he had seen an army jeep. To my utter surprise, I saw the whites of the local grinning at me. He pointed towards Harinder sleeping in his cart in just a vest and his pants. I chose the choicest words to let out my angst. Harinder’s jeep had packed off on a dune. The engine had seized. The locals helped him to tow the jeep with camel carts to a dhaani. They fed him bajra rotis, over his Contessa which he had carried in his recce bag. He made the driver and the draughtsman look after the vehicle and had the locals drop him . I got him down and after several failed attempts reached our camp at Six in the morning. I was getting better at night navigation without maps!
We aborted next days recce, as administrative worries started to overwhelm us. We drove to the dhaani, to retrieve the stranded jeep and our men.  We towed the jeep over the dunes, skidding and gliding. Adventure , it sure was to our hearts content. We laughed at our irony, cracked jokes. When we looked ourselves in the rear view mirror, we felt as if years had swept past our looks. We were sun burnt, wind swept, desert stormed with sand in every pore. Our uniforms looked as if we had borrowed from a rag picker.We looked like the Pirates of the Desert!
A quick stock taking and we knew we were low on fuel, if nothing else. Other things did not matter. We would not be able to reach the National Highway, leave alone back home. We started enquiring locals about the nearest military units. We took our last bet with our empty jerrycans to make it to a unit as informed. We staked everything at it. Wow, atlast we saw hope, a familiar surrounding, an army unit , but from the insignias on the sign boards we noticed we had crossed over to the Southern Command!
“So what, it was our Army after all, they would certainly help us”, cheered Harinder. It was dawn already, the sentry at the gates challenged us and asked for the pass word. We looked at each other. They made us raise our hands and marched us to the sentry post. We pleaded we were ……what? We looked everybit anything but  officers. We asked for the Adjutant, it was a Bihar unit. The adjutant a senior , stern looking Captain in sports kit sized us up from top to bottom. Was not quite convinced what we were doing in Southern Command having crossed over from Western Command , in an area close to IB. Even we too were not convinced with our own story, leave alone the captain. He kept threatening us. He suspected we had deserted our unit and were wanting to cross over the IB and thus wanted fuel for the jeep and that too in jerrycans! We had only our I cards to show. I tried thinking of my NDA coursemates , who had joined Bihar. I asked for Lt DK Joshi , and lo ,I had hit the bulls eye! Joshi it was in this paltan 3 Bihar!! That did the trick. Joshi was out on a course , but that did us in. We were fed in the mess, jerrycans stacked up and we profusely thanked the infantry for their magnanimity.
It was enough, we had over shot our time. We knew soon search parties would be after us , if we did not get back in next two days. We wrapped up our sketches, gathered our stuff and early morning were ready to hit the road with our majestic caravan. What a sight it was on the National Highway! It was a train !! A jeep towing another jeep , towing a loaded trailer, followed by a yet another trailer. Harinder proudly quipped, “ I am sure anyone from our unit would be proud to see our victory parade”. I was not too sure , neither amused. I drove on relentlessly. Harinder realized, I must be tired and sleepy as night fell. We ate at a Dhaba, lay sprawled across a charpoy. I was determined to drive on. Harinder agreed, as we were behind schedule. Harinder, apologized for his lack of driving skills on the NH. He said don’t worry, I shall not let you doze off while driving. We again hit the road, our juggernaut jostling through the night. Harinder would sing songs to keep me awake!
Great buddy, how memorable were those days!
I clearly recall, during the actual desert exercises, later on when unit was at CME. We had camped at a dhani and named it Poona walon ki Dhaani. We sat in our field mess for lunch, when Harinder stomped in from a recce. He brushed his shoes , wished the CO and declared he was hungry. The few of us at the table were enjoying the Continental lunch in the midst of the dunes. Baked beans, sun kissed cutlets, Russian salad and garlic bread served with butter and sauce. Our cook was an expert and took pride to prepare this fare. To our utter surprise, Harinder, no sooner had he sat down, closed his plate , dropped his napkin and got up. The CO questioned, “Whats wrong Harinder, you were so hungry and you have got up without having a bite?”
Harinder was as blunt as ever, “ Sir,I can not have Breakfast for Lunch!!”
Our last tenure together was in 1984, we hardly met thereafter. We shall miss you Harinder, remember you for your simplicity, zest for life and your Regimental spirit. We at Sadaiv Nipun would always remember our Senior Subaltern, who breathed his last on 17 October 2018. You leave behind Guddi, your two sons and their families. May God be with them !
  You shall always live in our memories!  
RIP !!
Your  buddy
Gurmeet Sethi
18 October 2018

FIN TECH- The Emerging Sector


FinTech is an umbrella term that covers Technology based companies operating in Insurance, Payment , Asset Management etc. It has transformed Banking business by disrupting mammoth banks. Head hunters see a big shift of talent towards this emerging sector.
It is a booming segment with the opening of numerous Mobile wallet companies, NBFCs and now payment banks all running on robust digital platforms. De-monetisation has provided an unexpected and unbelievable fillip to this sector. These companies revolve around mobile user experiences and financial analysis.Professionals are expected to have a deep domain and design knowledge. With more than 117 million Indians using smart phones and over 160m  Internet connections, one can fathom the extent of opportunities that this sector is likely to provide to the Engineers with number crunching skills.Companies to be looked out for are, Scripbox, Mobikwik,Capital Float, M-Swipe, Citrus pay  etc.
BFSI firms are also hiring IT professionals and the tussle is on with basic banking internet transactions.Lending and personal finance will soon come under its ambit. Demonetisation has ensured that investor confidence shifts from sticky preferences such as gold, real estate or just plain cash handling.

Essays for Civil Services Exams

"Carefully selected  English Essays written in a logical manner, to help streamline thought process of the serious minded civil service aspirants."

ESSAY: ONE

On-line Retail


There has been a sudden spurt in on-line sales , thus sending  a shudder down the spine of the conventional retail businesses. The trend had been gradually picking up, but the festive season this year has nose dived sales across markets. On-line buying on portals like Amazon, Flipkart, Snapdeal etc., has picked up and caught the buyer’s attention. 
Heavy Discounts offered by these on-line companies have made competition cry foul. But  then with opening of the economy, ushering in of the reform processes and with the advent of internet, this was bound to happen. The  retail supply chain has been curtailed and costs cut. Prime space rentals are no longer a pre-requisite for the retail business to reach out to their global customers. The global reach has further transcended all geographical boundaries and opened up larger markets.
Increasing on-line access through cheap smart phones has given the consumer to buy at his finger tips.The inexorable progress in technology is bound to change the face of retailing in India .
The power of internet has leveled the playing field, giving equal opportunity to small and big players as well as to the rural and urban consumer to satiate their buying appetite.
The ease of payment coupled with alternative modes of payment has made the buying experience all the more exciting. The credit and debit cards galore along with tempting pay-back offers.
The wide range of goods and services  that are on offer is mind boggling. They range from cars, mobiles, furniture, watches, dresses to salon and matrimonial services . They provide you with door-step delivery from the comfort of your house. You can have your favorite pizza delivered steaming hot and your movie and flight tickets booked and received on-line.
However, the picture, is not all that rosy as it appears to be. The internet is yet to penetrate the mass consumer  base. It is prone to disruption, breakdown, slow speed, hacking and cyber-crimes. It also has a nuisance value and can be addicting.  Cyber-tracking may cause irritating pop-ups  that can be irksome.
Another aspect still impacting consumer behavior are the traditional practices. Families still prefer going shopping in groups. They would prefer to feel the goods and even try them on before paying for the same.  Such shopping experiences are eagerly awaited by the traditional families. Festive shopping assumes great significance.
A number of fake products have flooded the markets, thereby eroding the faith of consumers on on-line shopping. Failed deliveries, delays and damaged goods etc are some of the other irritants keeping the shoppers away.
From the Government’s concern is the issue of regulating and monitoring tax evasion. Some regulatory measures are soon expected tat may dampen the enthusiasm.

Never the less, No one can stop an idea whose time has come. On-line shopping is bound to be the next big thing. The businesses need to gear themselves up for the change from the brick and mortar mode to the click and click mode sooner or later and all other support systems will have to gear themselves up to fall in line with online experience. Smart cities, will further beef up the scenario in times to come.

DO WE NEED FDI IN RETAIL?


                

Given the debate that’s raging over opening the retail sector to foreign direct investment, here are the arguments in favour and against it.



      FOR:

1.      Huge investments in the retail sector will see gainful employment opportunities in agro-processing, sorting, marketing, logistics management and front end retail.

2.      At least 10 million jobs will be created in the next three years in the retail sectors.

3.      FDI in retail will help farmers secure remunerative prices by eliminating exploitative middlemen.

4.      Foreign retail majors will ensure supply chain efficiencies.

5.      Policy mandates a minimum investment of $100 million with at least half the amount.

6.      This will have a salutary impact on food inflation from efficiencies in supply chain. This is also because food, which perishes due to inadequate infrastructure, will not be wasted.

7.      Sourcing of a minimum of 30% from Indian micro and small industry is mandatory. This will provide the scales to encourage domestic value addition and manufacturing, thereby creating a multiplier effect for employment, technology upgradation and income generation.

8.      A strong legal framework in the form of the Competition Commission is available to deal with any anti-competitive practices, including predatory pricing.

9.      There has been impressive growth in retail and wholesale trade after China approved 100% FDI in retail. Thailand has experienced tremendous growth in the agro-processing industry.

10.  In Indonesia, even after several years of emergence of supermarkets, 90% of fresh food and 70% of all food is still controlled by traditional retailers.

11.  In any case, organized retail through Indian corporates is permissible. Experience of the last decade shows small retailers have flourished in harmony with large outlet



AGAINST:

1.      Move will lead to large-scale job losses. International experience shows supermarkets invariably displace small retailers. Small retail has virtually been wiped out in developed markets like the US and in Europe. South East Asian countries had to impose stringent zoning and licensing regulations to restrict growth of supermarkets after small retailers were getting displaced. India has the highest shopping density in the world with 11 shops per 1,000 people. It has 1.2 crore shops employing over 4 crore people; 95% of these are small shops run by self-employed people.

2.      Global retail giants will resort to predatory pricing to create monopoly/oligopoly. This can result in essentials, including food supplies, being controlled by foreign organizations.

3.      Fragmented markets give larger options to consumers. Consolidated markets make the consumer captive. Allowing foreign players with deep pockets leads to consolidation. International retail does not create additional markets, it merely displaces existing markets.

4.      Jobs in the manufacturing sector will be lost because structured international retail makes purchases internationally and not from domestic sources. This has been the experience of most countries which have allowed FDI in retail.

5.      Argument that only foreign players can create the supply chain for farm produce is bogus. International retail players have no role in building roads or generating power. They are only required to create storage facilities and cold chains. This could be done by governments in India.

6.      Comparison between India and China is misplaced. China is predominantly a manufacturing economy. It’s the largest supplier to Wal-Mart and other international majors. It obviously cannot say no to these chains opening stores in China when it is global supplier to them. India in contrast will lose both manufacturing and services jobs.


IIFT ASPIRANTS-Note!!




      ADVANTAGES OF AN
 INTERNATIONAL CAREER



1.     Generous expatriate package

2.     Bonus plans and share options

3.     Employment ‘insurance policy’

4.     Global tax and financial coaching support

5.     Excellent medical care and support

6.     Strong expatriate network

7.     Educational assistance for children

8.     Rest and relaxation travel funds

9.     Strong communication links via internal newsletters and international job adverts

10.                        Management development courses

11.                        Cultural briefings

12.                        Family support

13.                        Strong succession planning for the top 300 managers

14.                        Career counseling and management

15.                        Special courses at Cable & Wireless College

16.                        HR support from six months before the assignment ends

17.                        Redeployment ‘grace period’ of 12 weeks

18.                        HR contact throughout redeployment

19.                        Availability of external counselors.






Twitter Delicious Facebook Digg Stumbleupon Favorites More

 
Powered by Blogger