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Respected Sir,
I have completed the Internal Audit for the year ended 31-03-2011 in respect of the branches
allotted to me and submitted reports after discussion to HO.
I acted as Internal Auditor of Apna Bank since accounting year ended 30-06-1988. In other
words, I was associated with Apna Bank for last 24 years. However, this was my last
assignment and I have decided to retire from my Professional career with immediate effect.
This is not my sudden decision but I had planned my retirement when I was in the midst of
my occupational career.
Let me share my thoughts behind this decision.
I had set Life Time Table in my mind since young age. I was born in a middle class
family. I lost my father when I was studying in College. My father expired at the age of 58
years, few months prior to his retirement. His post retirement dreams vanished with him. I
spent my childhood in the backdrop of my fatherтАЩs ill health. His life span was quantified by
destiny. Hence, this was the first factor which governed my decision of retiring at 60 years.
I assumed life span of 60 years and decided to accommodate all my dreams, education,
career, social service, hobbies, relaxation, relations etc in this period. Secondly my eye sight
was poor since school days. I was half blind at the age of 10 years. Against the advice of
doctor I selected commerce faculty. It was expected that my eyes will support me till that
age. i.e. 60 years.
My childhood circumstances made me stronger, go getter, having absolute faith on efforts
(Karma) and a disciplined person. It also made me outspoken.
Having served in the Industry from 1975 to 1985 (of which last 5 years as Financial
controller), I joined CA profession from June 1985.
Last two years, I was only doing the work of Apna Bank. My retirement plan was activated
way back from 1995 in a phased manner as it is difficult for a Professional to retire in one
go. I did variety of jobs in my career such as Company Audits, Nationalized Bank Audits,
Audit of Insurance companies, Audit of number of co-operative banks, Insurance survey,
GIC & LIC Agency, Examiner of Professional bodies such ICAI, ICSI, ICWA, IIB, Paper
setter of IBPS, Faculty member of BOI staff Training college / Apna Bank Training centre /
MSBL Training centre, Unit inspection & Monitoring of sick advances of Nationalized
Banks, Incorporation of companies, Management consultancy etc. Many times I looked after
33. 33
the business of the clients in the absence of director, Proprietor. I was partner of two firms.
All these activities I closed down in a phased manner from 1995.
The saved time was utilized to learn Astrology, Medical. I have spent hand some amount
in pursuing these hobbies. I learned Alternate Medical Therapies under the guidance of a
well known doctor in South Mumbai. Since 1998, I am using my medical knowledge for the
benefit of Senior Citizens of my society on an honorary basis. I have reserved one day in a
week for checking BP & medical counseling. I spent time with senior citizens. I do
counseling of young and old people. My study on Medical Astrology is in advanced stage.
I wrote / compiled Medical Referencer. I also wrote Referencer on Astrology.
I also devoted time for writing many Professional Books on Audit & other subjects such as
Marriage Event Management.
I have also written book on Life Philosophy. New articles are included in the book
regularly.
Photography was my passion since young age. I spent time for this activity. I have over
13,000 photos & hundreds of Videos saved on my computer.
I hosted website www.spandane.com on 23-05-2008 to share my professional experience,
hobbies etc. Till date, it has recorded over 6,50,000 hits and is viewed from over 50
countries.
Last year, I devoted time to write Autobiography. It has been just completed and ran into
about 400 pages. However final editing is pending and I wish to upload it by end June 2011.
As feared earlier, my eye sight (left eye) developed first major problem in 2002 of black
floaters. There is no cure for this degenerative disease. While I was finalizing Internal Audit
Reports of this year, my right eye developed similar problem on 23-04-2011. With a great
difficulty I managed to complete the Reports and handed over to HO on 25-04-2011. I called
on Eye surgeon for investigation. The condition was confirmed. Further complications (of
retina damage) can not be predicted. I am keeping my fingers crossed.
Your Life should be like square meal. Your destination of тАШHappinessтАЩ in Life will be your
mind it self if you can manage to keep balance between your educational/occupational
career, family, health and friendship.
I enjoyed my association with Apna Bank. It was a refreshing experience. I am thankful to
you & other top level executives for the giving co-operation in discharging my function. I
followed pro-active & тАШShreyaтАЩ approach in my career without forgetting the human face.
34. 34
I wish you and your Apna Family, a good luck, prosperity and peace of mind. I am
confident that Apna Bank will make new records of progress with your able guidance &
leadership. I am proud that I got a chance to play a small role for the success of the
organization.
We must realize that тАШChangeтАЩ is part of Life and also inevitable. Change should be
anticipated and we should mould ourselves for the change and there after change should be
accepted whole heartedly. Then again get ready to тАШChangeтАЩ.
I am happy that my relationship with Apna Bank will continue as your customer. (SB &
FDR)
I take your leave with a heavy heart.
CA. Sudhir Vaidya / 28-04-2011
T g
.
Dear Sachin, Anand, Revati & Raj
I acknowledge with thanks receipt of your Birthday Greeting Card today which incidentally
raised few issues in my mind & I intend to share the same with you.
Personally I do not think that I am entitled to get the compliments mentioned in the Greeting
Card. To my knowledge, I have not done anything extraordinary for you. This is my style of
behavior which you must have observed over the period. Each one of us inherits good and bad
qualities with birth and every one gives shape to those qualities depending upon own nature
and taste. It is more like selecting a TV channel among the 100 Channels provided by cable
operator. It is possible that I might have provided one/two good channels for you to watch. It
is likely that from my talk about Profession, Life philosophy, Life experience, Human
psychology etc. you might have got few points to ponder and think further in that direction.
Secondly, three year period is too short to mould anybody. Well, I do not wish to doubt your
sentiments about my contribution for your career development but only wish to put forth my
perspective/ point of view.
35. 35
You are aware that I am trying to develop a detached attitude towards life in general and I am
afraid that your love & affection for me may act as a speed breaker in my uphill journey on the
said detached path.
At this juncture, I wish to share one secret with you. You will recall that our association began
in August 1996 soon after my accident when I was going through the bad patch of Life. My will
power, mental peace etc. was probably at its lowest. At that point, it was my good fortune that I
came in contact with young, sincere and energetic persons like you which to a very large extent
contributed towards my recovery from the accident. I could tie over my personal problems and
my mind jumped back with a desire to do something for you. I will always be grateful to you all
for the love and affection given to me during our association.
I wish you and your family happiness, prosperity, good health and peace of mind.
With regards.
15-05-1999
Note: The reply was sent to thank my Assistants for sending birthday greeting. All the above
assistants are now well settled in Life.
рдЧреБрд░реБ,рд╢рд╢рдХреНрд╖рдХ
рдЖрдЬ рдЧреБрд░реБрдкреМрдгрдгрд╛рдорд╛. рдЖрдкрд▓реЗ рдЖрдпреБрд╖реНрдп рдШрд┐рд╡рдгреНрдпрд╛рдд рдЧреБрд░реВ
рд╛рдВ рдЪрд╛ рд╡рд╛рдЯрд╛ рдореЛрдард╛ рдЕрд╕рддреЛ. рдЧреБрд░реВ
рд╛рдВ рдЪреЗ рд╣реЗ рдЛрдг рдХрд┐реАрд╣реА рди
рдХрдлрдЯрдгрд╛рд░реЗ рдЖрд╣реЗ.
рдЖрдЬ рд╕рдХрд╛рд│реАрдЪ рдзреНрдпрд╛рди рдХрд░реВрди рдмрд╕рд▓реЛ рдЖрдгрдг рд▓рд╣рд╛рдирдкрдгрд╛рдкрд╛рд╕реВрдирдЪреНрдпрд╛ рд╕рд╡рд╛ рдЧреБрд░реВ
рд╛рдВ рдЪреЗ рд╕реНрдорд░рдг рдХ
реЗ рд▓реЗ. рддреНрдпрд╛рд╛рдВрдирд╛ рд╡рд╛рдВрд┐рди рдХ
реЗ рд▓реЗ.
рдкреНрд░рдердо рдЧреБрд░реБ рдореНрд╣рдгреВрди рдЖрдИ - рд╡рдбрд┐рд▓рд╛рд╛рдВрдЪреЗ рд╕реНрдорд░рдг рдХ
реЗ рд▓реЗ. (рдЖрдЬ рд┐реЛрдШреЗрд╣реА рд╣рдпрд╛рдд рдирд╛рд╣реАрдд рд╣реНрдпрд╛рдЪреЗ рдХреНрд╖рдгрднрд░ рд╡рд╛рдИрдЯ рд╡рд╛рдЯрд▓реЗ)
рддреНрдпрд╛рдирд╛рдВрддрд░ рд┐рд╛рд│реЗрддреАрд▓ рдорд┐рдХреНрд╖рдХ, рдХреЙрд▓реЗрдЬрдорд┐реАрд▓ рдкреНрд░реЛрдл
реЗ рд╕рд░, рдиреЛрдХрд░реА-рд╡реНрдпрд╡рд╕рд╛рдпрд╛рддреАрд▓ рдорд╛рдЧрд╛рд┐рд┐рд╛рдХ, рдЬреНрдпреЛрдирддрд░реНрд┐рд╛рд╕реНрддреНрд░
рдорд┐рдХрд╡рдгрд╛рд░реЗ рдорд╛рдЭреЗ рдордорддреНрд░, рдкрдпрд╛рд╛рдпреА рд╡реИрджреНрдпрдХрд┐рд╛рд╕реНрддреНрд░ рдорд┐рдХрд╡рдгрд╛рд░реЗ рд┐реЙрдХреНрдЯрд░, рдЖрдгрдг рдЗрддрд░ рдмрд░реЗрдЪ рдЬрдг рдЬреНрдпрд╛рд╛рдВрдЪреНрдпрд╛рдХрд┐реВрди рдореА
рдорд┐рдХрд▓реЛ, рддреНрдпрд╛ рд╕рд╡рд╛рд╛рдВрдЪреЗ рдореА рд╕реНрдорд░рдг рдХ
реЗ рд▓реЗ. рдЖрд┐реАрд╡рд╛рд╛рд┐ рдорд╛рдзрдЧрддрд▓рд╛.
рд╣реЗ рд╕реНрдорд░рдг рдЕрдЧрд┐реА рдл
реЗ рд╕рдмреБрдХ рдордорддреНрд░рд╛рд╛рдВрдкрдпрд╛рдВрдд рдпреЗрдКрди рд╕рд╛рдВрдкрд▓реЗ. рд╣реЛ, рддреБрдореНрд╣реА рд╡рд╛рдЪрд▓реЗ рддреЗ рдмрд░реЛрдмрд░рдЪ рдЖрд╣реЗ. рдЖрдЬ рдореА рдХрдХрддреНрдпреЗрдХ
рдЧреЛрд╖реНрдЯреА рдл
реЗ рд╕рдмреБрдХрдЪреНрдпрд╛ рдордорддреНрд░рд╛рд╛рдВрдХрд┐реВрди рдорд┐рдХрд▓реЛ. рдорд╛рдЭреНрдпрд╛ рд▓реЗрдЦрдирд┐реИрд▓реАрд▓рд╛ рдЪрд╛рд╛рдВрдЧрд▓реЗ рд╡рд│рдг рд▓рд╛рдЧрд▓реЗ. рдХрд╛рд╣реА рдордорддреНрд░рд╛рд╛рдВрдЪреНрдпрд╛
рд╕рд╛рдВрдкрдХрд╛рд╛рдореБрд│реЗ рдореА рдХрдкрд╡рддрд╛рд╣реА рдХрд░рд╛рдпрд▓рд╛ рд▓рд╛рдЧрд▓реЛ. рдорд╛рдЭреНрдпрд╛ рдлреЛрдЯреЛрдЧреНрд░рд╛рдлреАрдд рд╕реБрд┐рд╛рд░рдгрд╛ рдЭрд╛рд▓реА.
38. 38
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In the confrontation between the Stream & the Rock, The Stream always wins тАж. Not through
Strength, but through PersistenceтАж..With that Determination & Cheer
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